Bank Mandiri Distributes Interim Dividend, Reports Strong Financial Performance

Solid Financial Foundation Supports Dividend Distribution

Bank Mandiri has announced an interim dividend distribution of Rp 9.3 trillion for fiscal year 2025, reflecting the bank's robust financial position and commitment to delivering value to shareholders. The distribution was made possible by the bank's strong capital adequacy and maintained liquidity, allowing continued support for business growth initiatives ¹

Key Financial Highlights

The bank's financial performance through November 2025 shows significant growth across key metrics:

• Credit growth reached 13.1% year-on-year to Rp1,452 trillion, outpacing industry averages and demonstrating the bank's successful business expansion strategies
• Third-party funds grew by 15.9% to Rp1,584 trillion, indicating strong customer trust and confidence in the bank's financial stability
• The loan-to-deposit ratio (LDR) remained healthy at 91%, showing balanced growth between lending and funding
• Total assets reached Rp2,120 trillion, a 14.6% increase year-on-year, reflecting the bank's overall financial strength ²
  Source 2

  https://finansial.bisnis.com/read/20260117/90/1944817/bank-mandiri-bmri-laporkan-penggunaan-dana-obligasi-berkelanjutan-rp5-triliun

Strategic Financial Management

The bank's management highlighted that the interim dividend distribution was supported by solid financial fundamentals while maintaining sufficient liquidity for future growth. The decision reflects the bank's commitment to balancing shareholder returns with continued business expansion. Key aspects of their financial management include:

• Successful allocation of Rp4.97 trillion from sustainable bond issuance to credit expansion
• Interest income growth of 9.5% year-on-year, demonstrating effective management of earning assets
• Non-interest income growth of 12.1%, driven by digital transaction growth and financial solutions optimization
• Non-performing loan (NPL) ratio maintained at 0.99% with coverage ratio around 260%, indicating robust asset quality management ²
  Source 2

  https://finansial.bisnis.com/read/20260117/90/1944817/bank-mandiri-bmri-laporkan-penggunaan-dana-obligasi-berkelanjutan-rp5-triliun

Business Outlook

Bank Mandiri's management expressed confidence in maintaining performance momentum while continuing to contribute to national economic development. The bank plans to leverage its ecosystem synergies and accelerate growth across various business sectors, ensuring sustainable performance in the future.