Bank Mandiri Provides Credit Relief to Disaster-Affected Customers in Sumatra

Regulatory Compliance and Customer Support

Bank Mandiri is implementing comprehensive credit relief measures for customers affected by recent natural disasters in Sumatra, in line with the Financial Services Authority (OJK) regulation issued on December 11, 2025 ¹

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Source 2

https://finance.detik.com/moneter/d-8278565/ringankan-beban-nasabah-di-sumatera-bank-mandiri-berikan-relaksasi-kredit

. The OJK regulation, based on POJK Number 19/2022, provides the framework for banks to offer special treatment to disaster-affected debtors.

Impact Assessment and Debtor Categorization

The bank has conducted thorough data collection through its regional offices in disaster-prone areas. Based on this assessment, Bank Mandiri has identified more than 30,000 debtors in North Sumatra and West Sumatra who have been affected by the disasters ¹

. These debtors have been categorized into three classifications - severe, moderate, and mild - based on the extent of the disaster's impact and their ability to resume loan repayments.

Credit Relief Measures

1. Credit Restructuring Program: The bank is offering restructuring options to affected debtors
2. Credit Quality Assessment: For loans up to Rp10 billion, the assessment will focus on payment accuracy
3. Comprehensive Support: Bank Mandiri's teams in affected regions are actively coordinating with debtors to implement these measures

Implementation Framework

The credit relief program will operate for up to three years from the OJK's regulation date (December 10, 2025), providing sustained support for economic recovery in affected communities. Bank Mandiri's management has emphasized their commitment to balancing financial stability with customer support during this challenging period.