Bank Mandiri Strengthens ESG Commitment with Solid Sustainability Performance

Comprehensive ESG Framework Implementation

PT Bank Mandiri Tbk (BMRI) continues to strengthen its commitment to sustainable economy through the implementation of Environmental, Social, and Governance (ESG) principles. The bank's ESG framework comprises three main pillars: Sustainable Banking, Sustainable Operation, and Sustainability Beyond Banking.

Sustainable Banking Achievements

Under the Sustainable Banking pillar, Bank Mandiri recorded a solid performance in sustainable financing. The financing portfolio reached Rp310 trillion, growing by 8.7% in Q3-2025 compared to Rp285 trillion in the same period last year. The green financing portfolio reached Rp159 trillion, increasing by 12% year-on-year (YoY), making Bank Mandiri control more than 35% market share among other large national banks. The social portfolio reached Rp151 trillion, growing by 5.3%, with MSME financing being the mainstay.

Operational Sustainability Initiatives

Under the Sustainable Operation pillar, Bank Mandiri continues to strengthen its environmentally friendly operational processes by targeting Net Zero Emission Operations by 2030. This effort is realized through various initiatives such as optimizing green buildings, using electric and hybrid vehicles, installing charging stations, and utilizing solar panels. The bank has also strengthened corporate governance, including enhancing personal data protection and cybersecurity to maintain customer trust.

Digital Financial Inclusion Expansion

Through the Sustainability Beyond Banking pillar, Bank Mandiri is expanding digital-based financial inclusion through the Livin' Merchant platform, targeting business actors, particularly MSMEs. As of September 2025, 62% of Livin' Merchant users came from non-urban areas, equivalent to 1.8 million users. The bank's Corporate Social and Environmental Responsibility (TJSL) program has reached more than 60,000 beneficiaries across various regions through four flagship programs: Pasar Murah Mandiri, Mandiri Bakti Kesehatan, Aksi Bersih Mandiri, and Mandiri Peduli Sekolah.

Recognition of Sustainability Efforts

Bank Mandiri's commitment to sustainability has garnered remarkable recognition from external observers. Sustainalytics, an ESG rating agency, noted an improvement in Bank Mandiri's ESG risk to "negligible risk" with a score of 9.5 in September 2025, down from "medium risk" with a score of 27.6 in 2024. This score reduction reflects a tangible strengthening in the implementation of ESG principles across the company's business.

Strategic Alignment with National Agenda

As a strategic partner of the Government, Bank Mandiri plays an active role in supporting President Prabowo's Asta Cita agenda, particularly in promoting improved community welfare, education, health, and strengthening the quality of Indonesian human resources, as well as green economy and blue economy initiatives. The bank's efforts are directed towards creating inclusive and sustainable growth through consistent synergy and collaboration.