Bank Mandiri's Profit Reached IDR 37 Trillion in September 2025, Down 10.2%

PT Bank Mandiri (Persero) Tbk's consolidated financial report shows that the profit for the period attributable to the parent entity's owners amounted to Rp37.73 trillion in Q3 2025.

The net profit of the issuer coded BMRI decreased by 10.20% from Rp42.01 trillion in the same period last year (year-on-year/yoy).

Nevertheless, Bank Mandiri's revenue segment showed positive growth. Net interest, sharia, and insurance income recorded Rp78.55 trillion by the end of September 2025, an increase of nearly 3.5% (yoy) from Rp75.9 trillion in September 2024.

According to Katadata, Bank Mandiri recorded consolidated loan disbursements reaching Rp1,764.32 trillion. Its growth reached 11% annually, higher than the national banking industry's credit growth, which was recorded at 7.7%.

The gross bank-only non-performing loan (NPL) ratio was recorded at 1.03%, with a solid coverage ratio maintained at 271%.

“We see labor-intensive sectors, export-oriented industries, and the food and beverage industry as significant growth drivers. Loans disbursed to these sectors have proven to provide a multiplier effect on employment and public purchasing power,” said Novita Widya Anggraini, Bank Mandiri's Director of Finance & Strategy, during Bank Mandiri's virtual public expose on Monday (27/10/2025).

Bank Mandiri has also disbursed 74%, or approximately Rp40.7 trillion, of the Ministry of Finance's total Rp55 trillion in placed funds by the end of September 2025. These funds were channeled to over 24,000 business actors in 15 national strategic sectors. The fund disbursement focuses on export-oriented, labor-intensive, and MSME sectors to support sustainable national economic growth.

“We are optimistic that the placement of these funds will create a positive effect on the national economy. We want to ensure that every government fund managed by Bank Mandiri truly goes into productive sectors,” Novita stated.

From the funding side, Bank Mandiri's third-party funds (DPK) grew by 13% (yoy) to Rp1,884 trillion. The composition of low-cost funds (CASA) remained dominant at 69.3%, reflecting the company's successful strategy in maintaining funding cost efficiency and strengthening liquidity.

As of September 2025, the assets of this state-owned bank were recorded at Rp2,563.36 trillion. This position increased from Rp2,427.22 trillion in December 2024.

The assets in September 2025 were divided into liabilities of Rp1,977.94 trillion and equity of Rp313.83 trillion.