JAKARTA - PT Bank Mandiri (Persero) Tbk. (BMRI) continues to maintain a solid business performance at the beginning of 2026 in line with the increase in community transaction activities and the strengthening of the company's digital services.
Until February 2026, the bank with the gold ribbon logo recorded healthy business growth, driven by the strengthening of the intermediation function, increased customer transaction activity, and acceleration of the digitalization of financial services.
This performance is reflected in the distribution of credit which reached Rp1,513.1 trillion or grew 15.7 percent year-on-year (yoy) and at the same time, the collection of Third Party Funds (DPK) was recorded at Rp1,644.8 trillion, an increase of 16.3 percent (yoy).
Bank Mandiri Finance & Strategy Director Novita Widya Anggraini said that the improvement in performance was in line with the increasing activity of customer transactions through various Bank Mandiri service channels, especially on digital platforms.
"Bank Mandiri's net profit grew 16.7 percent year-on-year to Rp8.9 trillion as of February 2026, in line with the increasing digital transaction activity of the community through Livin' by Mandiri, which also contributed to the growth of commission-based revenue," he said, in an official statement, Tuesday, March 10.
Throughout this period, the transaction volume through the Livin' by Mandiri application continues to show significant improvement. Since the beginning of the year, the total transactions have been recorded at more than 738.7 million transactions or an increase of around 28 percent (yoy).
Novita said this increase was driven by the increasing use of digital services by the public for various daily transaction needs, ranging from bill payments, digital product purchases, to inter-individual and business entity fund transfers.
In addition, he said the increase in payment transactions at various merchants and business actors, including the MSME sector, also strengthened the role of Bank Mandiri's digital services in supporting people's economic activities and expanding access to more practical, fast, and inclusive transactions.
In line with this increase in digital transactions, Bank Mandiri also recorded growth in commission-based income from various payment services, transfers, and other digital transactions.
He added that this was reflected in the commission-based revenue from Bank Mandiri's digital platform, including Livin' by Mandiri which reached Rp625 billion or grew 45.3 percent (yoy).
Meanwhile, the Kopra by Mandiri wholesale platform recorded revenue of IDR 421 billion or increased by 29.3 percent (yoy), in line with the increase in customer transaction volume through the company's digital channel.
On the other hand, Bank Mandiri's intermediation function is also maintained, which is reflected in the net interest income (Net Interest Income/NII) of Rp13.7 trillion, growing 9.16 percent year-on-year.
According to him, this achievement is supported by the continued strong disbursement of loans and increased customer transaction activity through various digital services, especially Livin' by Mandiri.
Novita said the increase in transaction activity also encouraged the growth of cheap funds based on transaction accounts, which ultimately helped reduce the company's interest burden.
He added that at the same time, operational efficiency continued to improve with a Cost-to-Income Ratio (CIR) that fell to 37.21 percent, reflecting increasingly efficient cost management as well as business productivity improvements.
In terms of asset quality, Bank Mandiri recorded a Non-Performing Loan (NPL) ratio that remained maintained at 0.98 percent with a strong coverage ratio of 246.5 percent.
Novita said this reflected the application of the principle of prudence in the distribution of credit and the strengthening of consistent risk management carried out by the company.
According to him, with these still strong business fundamentals, Bank Mandiri is optimistic that it can maintain the momentum of future growth.
"In the future, Bank Mandiri will continue to strengthen integrated synergies across all business lines to drive sustainable growth acceleration while strengthening the company's competitive advantage. This step is in line with Bank Mandiri's role as a strategic partner of the government in supporting the strengthening of the national economic ecosystem," concluded Novita.
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