Bank Mandiri's Profit Drops 9.7% to Rp38.88 Trillion by October 2025
Executive Summary
Key insights and market outlook
PT Bank Mandiri Tbk (BMRI) reported a 9.7% year-on-year decline in profit to Rp38.88 trillion for the first 10 months of 2025. While the bank's financial performance showed a decrease in profitability, it recorded an improvement in impairment expenses, which dropped by 25% YoY to Rp5.12 trillion. The decline in profit reflects challenging market conditions, while the reduction in impairment expenses indicates positive operational management.
Deep Dive Analysis
Bank Mandiri Reports 9.7% Profit Decline by October 2025
Financial Highlights
PT Bank Mandiri Tbk (BMRI) has recorded a 9.7% year-on-year decrease in profit, amounting to Rp38.88 trillion for the period January to October 2025. This performance represents a decline from Rp43.06 trillion reported during the same period in the previous year. The reduction reflects challenging economic conditions affecting the bank's profitability.
Positive Operational Developments
Despite the decline in overall profit, Bank Mandiri achieved a significant reduction in impairment expenses, which decreased by 25% YoY to Rp5.12 trillion. This improvement indicates effective management of asset quality and credit risk, partially mitigating the impact of the profit decline.
Market Context and Future Outlook
The banking sector continues to face headwinds in 2025, with many institutions experiencing pressure on their profitability. Bank Mandiri's performance reflects these broader market challenges while demonstrating resilience through better credit risk management. The bank's ability to reduce impairment expenses suggests a positive operational trajectory that could support future financial stability.
Source References
Story Info
Topics Covered
Key Events
Profit Decline Reported
Improvement in Impairment Expenses