{
    "success": true,
    "data": {
        "id": 1691771,
        "msgid": "heres-the-sneak-peek-into-bank-mandiris-performance-projections-for-2026-1776779472",
        "date": "2026-04-21 19:50:31",
        "title": "Here's the Sneak Peek into Bank Mandiri's Performance Projections for 2026",
        "author": "",
        "source": "CNBC",
        "tags": "",
        "topic": "Finance",
        "summary": "PT Bank Mandiri (Persero) Tbk projects sustained business growth through 2026 despite ongoing global uncertainties, with Q1 2026 results showing a 16.56% year-on-year increase in consolidated profit and solid asset quality. The bank plans to expand credit in promising sectors, bolster SME financing to support national economic goals, and enhance low-cost funding while accelerating digital ecosystem growth for recurring fee-based income. This strategy underscores Mandiri's role as an agent of development, aiming to maintain strong profitability and risk management amid economic pressures.",
        "content": "<p>PT Bank Mandiri (Persero) Tbk (BMRI) projects its business\nperformance to continue growing sustainably through 2026, amid lingering\nglobal uncertainties.<\/p>\n<p>Finance and Strategy Director of Bank Mandiri, Novita Widya\nAnggraini, stated that the company\u2019s performance up to March 2026 still\ndemonstrates solid fundamentals. Consolidated profit grew 16.56%\nyear-on-year, in line with maintained asset quality.<\/p>\n<p>\u201cThe strong profit performance is also balanced by preserved asset\nquality,\u201d she said during the Q1-2026 performance presentation on\nTuesday (21\/4\/2026).<\/p>\n<p>From a risk perspective, the non-performing loan (NPL) ratio for\nbank-only operations stands at 0.98%, with cost of credit (CoC) at\n0.48%. Meanwhile, the coverage ratio is high at 245%, reflecting strong\nprovisioning against potential credit risks.<\/p>\n<p>Capitalisation remains robust, with a capital adequacy ratio (CAR) of\n19.7% and return on equity (ROE) reaching 20.1%.<\/p>\n<p>Looking ahead, Bank Mandiri projects credit disbursement to grow in\nline with the banking industry, focusing on sectors deemed prospective\nand resilient to economic pressures.<\/p>\n<p>Additionally, the company will continue to strengthen financing for\nthe MSME sector as part of support for the people\u2019s economy and the\ngovernment\u2019s strategic agenda.<\/p>\n<p>This step also affirms Bank Mandiri\u2019s role as an agent of development\nin driving national economic growth.<\/p>\n<p>On the funding side, Bank Mandiri targets third-party funds (DPK)\ngrowth to exceed credit growth. The main focus is on increasing low-cost\nfunds (CASA) to maintain funding cost efficiency.<\/p>\n<p>The company is also committed to keeping the loan to deposit ratio\n(LDR) at a healthy level to ensure liquidity remains stable.<\/p>\n<p>From a profitability standpoint, the net interest margin (NIM) is\nprojected to remain stable. This will be supported by optimisation of\nthe credit portfolio and more efficient cost of fund management.<\/p>\n<p>Additionally, Bank Mandiri will accelerate growth in fee-based income\n(FBI), particularly recurring income. This strategy is bolstered through\nthe development of digital ecosystems such as Livin\u2019 by Mandiri and\nKopra by Mandiri, which are expected to boost customer transaction\nactivity.<\/p>\n<p>Entering 2026, still marked by global dynamics, management remains\noptimistic that Bank Mandiri can maintain positive performance.<\/p>\n<p>With strong fundamentals, targeted business strategies, and\ndiscipline in risk management, the company is confident in sustaining\nhealthy and sustainable growth throughout the year.<\/p>",
        "url": "https:\/\/jawawa.id\/newsitem\/heres-the-sneak-peek-into-bank-mandiris-performance-projections-for-2026-1776779472",
        "image": ""
    },
    "sponsor": "Okusi Associates",
    "sponsor_url": "https:\/\/okusiassociates.com"
}