Bank Mandiri's Digital Transformation Drives Commission Income Growth

Significant Digital Adoption

Bank Mandiri (BMRI) has reported commission income of Rp5.48 trillion from its digital services through September 2025, representing a 13.3% year-on-year increase from Rp4.84 trillion in the same period last year. This growth is attributed to the bank's strategic focus on digital innovation and ecosystem strengthening.

Livin' by Mandiri Performance

The bank's retail digital banking platform, Livin' by Mandiri, has achieved remarkable growth with:

• 34.5 million users (26.5% YoY growth)
• 4.54 billion transaction frequency (27.9% YoY growth)
• Rp4,257 trillion transaction value (10.4% YoY growth)

Livin' has also become a key channel for new customer acquisition, with over 91% of new account openings now conducted digitally through the platform.

Livin' Merchant Expansion

The bank's digital solution for merchants, Livin' Merchant, has:

• Reached 3 million merchants (35% YoY growth)
• Enhanced operational efficiency for MSMEs
• Provided integrated payment and transaction recording systems

Corporate Digital Banking

Kopra by Mandiri, the corporate digital banking platform, has seen:

• Rp25,980 trillion transaction value (21.5% YoY growth)
• 1.45 billion transaction volume (18.7% YoY growth)

The growth in digital banking has positively impacted the bank's financials, with:

• Rp1,487 trillion third-party funds (12.3% YoY growth)
• 73.1% CASA ratio, indicating effective cost management
• Corporate current account balances reaching Rp564.5 trillion

Bank Mandiri's successful digital transformation has not only enhanced customer experience but also strengthened its financial position through increased efficiency and expanded market reach.