Bank Mandiri Introduces Digital Collateralized Deposit Loan Feature

Enhancing Financial Accessibility through Technology

Bank Mandiri has launched a new Collateralized Deposit Loan (KAD) feature on its Wholesale Digital Super Platform Kopra by Mandiri. This digital innovation allows customers to apply for loans using their existing deposits as collateral, providing a more efficient and secure financing solution for businesses. The feature is designed to support institutional clients and SMEs by offering competitive interest rates while enabling them to maintain their deposit investments.

Key Benefits for Business Customers

The KAD feature on Kopra offers several advantages to business customers:

1. Faster loan processing through a fully digital platform
2. Ability to maintain deposit investments while accessing liquidity
3. Competitive interest rates on collateralized loans
4. Automated payment reminders for loan installments
5. Real-time monitoring of loan applications and disbursements

Strategic Significance in Digital Banking

This development is part of Bank Mandiri's broader digital transformation strategy, focusing on enhancing financial accessibility and supporting economic growth. The Kopra platform has already demonstrated significant success, managing over Rp 22 quadrillion in transaction value with a 22% year-on-year growth as of October 2025. The platform processes 1.2 billion transactions, representing a 14% YoY increase.

Future Outlook and Implications

The introduction of the KAD feature positions Bank Mandiri as a leader in digital banking innovation in Indonesia. By continuing to develop its digital capabilities, the bank aims to strengthen its support for the real sector and contribute to national economic development goals. This strategic move aligns with the government's initiatives to enhance financial inclusion and economic resilience.