Bank Mandiri's Corporate Credit Portfolio Shows Strong Growth

Key Sector Contributions

Bank Mandiri's corporate credit disbursement reached Rp557 trillion by September 2025, representing a 12% year-on-year growth and accounting for 32% of the bank's total credit portfolio. The growth was primarily driven by three key sectors:

1. Mining sector: Rp86 trillion in credit exposure
2. Plantation sector: Rp69 trillion in credit exposure
3. Infrastructure (road) sector: Rp45 trillion in credit exposure

These sectors are considered crucial for strengthening national industrial structure and maintaining investment momentum. The strong growth in corporate credit was accompanied by a significant 42% YoY increase in investment credit to over Rp254 trillion by September 2025. This substantial growth in long-term financing underscores Bank Mandiri's role as a key enabler of national economic development through long-term financing solutions.

Financial Performance Highlights

The bank's corporate banking segment demonstrated robust financial performance across various metrics:

• Corporate deposits: Rp324 trillion, with CASA composition at 81% (Rp262 trillion)
• Non-performing loan (NPL) ratio: Maintained at a healthy 0.38%
• Cost of credit: Reduced to 0.07%, indicating improved credit quality
• Interest income: Rp27 trillion, representing a 10% YoY growth
• Net interest income: Rp10 trillion, contributing 36% to consolidated profit

Digital Transaction Platform Performance

Bank Mandiri's digital transaction platform, Kopra by Mandiri, showed significant growth:

• Registered companies: Nearly 300,000, representing a 33% YoY increase
• Transaction volume: Rp26,000 trillion in Q3 2025, growing 22% YoY
• Transaction frequency: 1.5 million transactions during the quarter

Overall Bank Performance

The strong corporate banking performance contributed significantly to Bank Mandiri's overall financial results:

• Consolidated lending: Rp1,764.24 trillion, growing 11% YoY by September 2025
• Total consolidated assets: Rp2,563 trillion, representing a 10.3% YoY growth
• Consolidated net profit: Rp37.7 trillion in Q3 2025

The bank's performance exceeded industry growth rates, with corporate lending growth outpacing the national banking industry's credit growth of 7.70% YoY. This superior performance demonstrates Bank Mandiri's effective intermediation capabilities in expanding productive financing and creating economic value.