Bank Mandiri's Corporate Credit Surges to Rp557 Trillion

Strong Growth in Corporate Segment

PT Bank Mandiri (Persero) Tbk (BMRI) has reported significant growth in its corporate credit portfolio, reaching Rp557 trillion by September 2025. This represents a 12% year-on-year increase and accounts for 32% of the bank's total lending. The strong performance was driven primarily by three key sectors: mining, plantation, and infrastructure financing.

Sectoral Breakdown

The bank's corporate credit exposure includes:

• Mining sector: Rp86 trillion portfolio
• Plantation sector: Rp69 trillion portfolio
• Infrastructure financing: Rp45 trillion in road infrastructure

These sectors remain crucial to Indonesia's industrial structure and economic development. The corporate segment continues to be a major growth engine for Bank Mandiri, demonstrating the bank's strategic focus on large corporate clients.

Investment and Working Capital Financing

Bank Mandiri has seen significant acceleration in investment credit, with the portfolio surging 42% year-on-year to over Rp254 trillion. This growth indicates strong demand for long-term financing from corporate clients. The bank's ability to provide substantial investment loans positions it as a key player in supporting Indonesia's economic development projects.

Deposit Growth and Asset Quality

The bank's corporate segment deposits reached Rp324 trillion, with 81% maintained in low-cost CASA accounts. This favorable funding mix helps maintain the bank's net interest margin. The asset quality remains robust, with the corporate NPL ratio stable at 0.38% and cost of credit at 0.07%.

MSME Support through KUR Program

Bank Mandiri has been actively supporting MSMEs through the Kredit Usaha Rakyat (KUR) program. By October 2025, the bank had disbursed Rp38.11 trillion to 329,012 MSMEs, achieving 92.96% of its Rp41 trillion annual target. The distribution was dominated by productive sectors, with 61.47% allocated to production activities.

KUR Distribution Highlights

• Total KUR disbursed: Rp38.11 trillion
• Number of beneficiaries: 329,012 MSMEs
• Percentage of annual target achieved: 92.96%
• Dominant sectors: Agriculture (31.31%), Production services (21.34%), Manufacturing (7.41%)

Financial Performance

The bank's strong lending growth contributed to its overall financial performance. By end-September 2025, Bank Mandiri reported Rp37.7 trillion in consolidated net profit and Rp2,563 trillion in total consolidated assets, representing a 10.3% year-on-year increase. The bank's ability to maintain asset quality while expanding credit demonstrates its robust risk management practices.