Supported By Livin And Kopra, Mandiri Recorded An Increase In DPK 13 Percent To Rp1,884 Trillion

Livin Mandiri (Photo: Antara)

JAKARTA - PT Bank Mandiri Tbk (BMRI) reported that Third Party Funds (DPK) grew 13 percent yoy to Rp1,884 trillion until the end of the third quarter of 2025.

Bank Mandiri Finance & Strategy Director Novita Widya Anggraini detailed that the CASA composition remained dominant at 69.3 percent, reflecting the success of strategies in maintaining cost efficiency and strengthening liquidity.

"DPK's solid growth was driven by an increase in digital transactions through Super App Livin' by Mandiri, Livin' Merchant, and Kopra by Mandiri," said Novita, Monday, October 27.

These three platforms, he continued, are the main pillars of Bank Mandiri's digital acceleration in expanding financial services and encouraging transaction efficiency in all segments.

Furthermore, until the end of September 2025, Livin' by Mandiri has been used by 35.1 million users, growing 27 percent yoy, with transaction frequency increasing 25 percent on an annual basis, and transaction value reaching IDR 3,220 trillion, up 10 percent in the first nine months of 2025.

"Through the presence of Livin' by Mandiri, now more than 91 percent of the new account openings at Bank Mandiri have been carried out digitally," he continued.

Meanwhile, Livin' Merchant has been used by around 3 million business actors, successfully growing 35 percent on an annual basis. This platform not only expands MSME access to digital payments, but also helps business actors manage transactions in real-time and improves operational efficiency.

"Livin' Merchant we develop as a digital solution that strengthens the competitiveness of business actors. Through the integration of payment systems and efficient recording of transactions, we hope that this digitalization can be a catalyst for the sustainable growth of MSMEs," said Novita.

For the business or wholesale segment, Kopra by Mandiri is the main driver of the national business digital ecosystem. The transaction value on the platform reached IDR 19,498 trillion, up 20 percent on an annual basis, with a transaction volume of 1.1 billion in the last nine months, growing 14 percent yoy. In addition, through the use of the digital ecosystem, the total gross balance also continued to record an increase and managed to reach IDR 564.5 trillion.

"Digitalization is no longer a support, but is at the core of Bank Mandiri's growth strategy. Through the synergy of Livin', Kopra, and Livin' Merchant, Bank Mandiri is able to strengthen the growth of Third Party Funds while maintaining the efficiency of funds that contribute to commission-based revenue growth (fee-based income)," said Novita.