Bank Mandiri Maintains Solid Financial Performance Amid Strong Credit Growth

Robust Credit Expansion and Liquidity

Bank Mandiri has demonstrated strong financial performance through November 2025, with credit disbursement growing 13.1% year-on-year to Rp1,452 trillion. This growth outpaces the industry average, reflecting the bank's effective expansion strategies. The growth in credit was supported by a significant increase in third-party funds (DPK), which surged 15.9% YoY to Rp1,584 trillion. This substantial liquidity position provides a solid foundation for continued lending activities.

Strong Asset Quality and Risk Management

The bank's asset quality remained robust, with the Non-Performing Loan (NPL) ratio standing at 0.99% as of November 2025. This low NPL ratio, coupled with a coverage ratio of approximately 260%, indicates strong risk management practices and adequate provisioning. The bank's proactive approach to asset quality management has resulted in a 36% annual decline in provisioning costs, further enhancing its financial resilience.

Strategic Growth and Business Outlook

Bank Mandiri's total assets reached Rp2,120 trillion by end-November 2025, representing a 14.6% year-on-year growth. This expansion underscores the bank's strong market position and effective business strategies. Director of Finance and Strategy, Novita Widya Anggraini, emphasized the bank's commitment to maintaining a balance between business expansion and strengthening fundamentals. The bank remains focused on sustainable long-term performance while supporting national economic growth.

Future Prospects and Strategic Focus

Looking ahead, Bank Mandiri is optimistic about maintaining its solid performance through year-end and beyond. The bank aims to sustain double-digit growth in both credit and third-party funds while maintaining high asset quality. Key focus areas include strengthening digital capabilities, enhancing liquidity management, and maintaining robust capital adequacy. With its strong foundation and strategic direction, Bank Mandiri is well-positioned to navigate market dynamics and support Indonesia's economic development.