Responding To The Issue Of Withdrawing Mass Funds At Himbara Bank, Mandiri Ensures Financial Conditions Are Safe

JAKARTA - PT Bank Mandiri (Persero) Tbk. (BMRI) opened its voice regarding the rise of information on social media calling for the withdrawal of customer funds from state-owned banks.

Bank Mandiri's Corporate Secretary, M. Ashidiq asked customers not to worry about the establishment of the Anagata Nusantara Power Investment Management Agency (BPI Danantara).

"We want to emphasize that Bank Mandiri's financial and fundamental conditions are in a solid and safe state. Therefore, customers and stakeholders do not need to worry," he said, Saturday, February 22. Just so you know, previously there was an invitation to withdraw funds. deposits at banks of hebara that join the Danantara. Ashidiq ensures that customer funds remain safe and are not related to investment activities carried out by BPI Danantara.

"As a financial service institution, Bank Mandiri is committed to carrying out business operations based on the principles of Good Corporate Governance (GCG) which is closely monitored by regulators, namely Bank Indonesia (BI), the Financial Services Authority (OJK) and is a participant in the guarantee of the Deposit Insurance Corporation (LPS), as well as implementing the best banking practice that is oriented towards protecting customers' interests and stability of the national financial system," he explained.

On the other hand, Bank Mandiri also recorded a solid growth in Third Party Funds (DPK), supported by an increase in low-cost funds or Current Accountings Account (CASA). Until the end of 2024, DPK experienced an increase of 6.82 percent year on year (yoy) to Rp1,327 trillion, driven by demand growth and savings.

"CASA's portion also increased, reaching 80.3 percent of the total DPK. In January 2025, Bank Only DPK continued to show an annual double-digit growth trend," he continued.

Then in terms of liquidity, Ashidiq ensures that Bank Mandiri's liquidity is at an optimal level, as reflected in various main financial indicators.

Throughout 2024, the Macroprudential Intermediation Ratio (RIM) was recorded at 94.8 percent reflecting the bank's ability to distribute credit in a healthy manner.

In addition, the Loan to Funding Ratio (LFR) reached 82.9 percent on a consolidated basis, indicating a good balance between raising funds and lending.

Bank liquidity is also further strengthened by Liquidity Coverage Ratio (LCR) which is at the level of 141 percent and Net Stable Funding Ratio (NSFR) which reaches 109 percent by the end of 2024.

Bank Mandiri also showed an improvement in the non-performing loan (NPL) ratio. At the end of 2024, the gross NPL ratio on a bank only decreased to 0.97 percent from 1.02 percent in the previous year.

Meanwhile, the net NPL ratio also shows a positive trend by improving to 0.33 percent as of December 2024.