Jakarta, VIVA \u2013 Bank Mandiri once again recorded solid performance at\nthe start of 2026. According to its monthly financial report (bank only)\nfor January 2026, the company\u2019s credit disbursement grew 15.62 per cent\nyear-on-year (YoY) to Rp1,511.4 trillion.<\/p>\n
This achievement reinforces its role as a strategic government\npartner in strengthening the people\u2019s economy and driving national\neconomic growth. The increase in credit disbursement also propelled\ntotal asset growth to Rp2,191.9 trillion, up 13.96 per cent YoY,\nreflecting business expansion that has maintained its quality alongside\nthe strengthening of intermediation functions at the start of the\nyear.<\/p>\n
Bank Mandiri\u2019s Director of Finance and Strategy, Novita Widya\nAnggraini, said the growth reaffirms the company\u2019s commitment to\nchannelling financing to productive sectors, including the MSME\necosystem and business operators across various regions. This step is in\nline with Bank Mandiri\u2019s role as a strategic government partner in\nstrengthening the national economic structure.<\/p>\n
\u201cThis growth is a manifestation of integrated synergy between\nbusiness strategy, risk management, and ecosystem strengthening. We\nensure that accelerating growth continues to proceed by prioritising\nprudential principles, thereby providing added value to the people\u2019s\neconomy,\u201d said Novita in an official statement on Monday (23\/2).<\/p>\n
In addition, the funding structure also demonstrated solid\nstrengthening. Third-party funds (DPK) on a bank-only basis were\nrecorded at Rp1,635.5 trillion, growing 17.29 per cent YoY, in line with\nthe strategy to optimise funding and strengthen the customer base. The\ncomposition of these funds was dominated by low-cost funds, with the\nCurrent Account Savings Account (CASA) ratio maintained at 73 per cent,\nthereby supporting cost-of-funds efficiency whilst strengthening the\ncompany\u2019s liquidity structure.<\/p>\n
In terms of financial performance, net profit on a month-to-date\n(MTD) basis grew at a positive double-digit rate, driven by a 10.2 per\ncent YoY increase in net interest income (NII). This performance was\nfurther supported by a 27-basis-point decline in the cost of funds (CoF)\ncompared to the previous month, bringing the CoF position in January\n2026 to 2.06 per cent.<\/p>\n
During the same period, commission-based income recorded solid growth\nin tandem with increasing transaction activity across various business\nlines. Bank Mandiri\u2019s recurring fee-based income (FBI) grew 16.1 per\ncent YoY, strengthening an increasingly balanced and sustainable revenue\nstructure. This growth also reflects improved productivity and cost\nmanagement effectiveness in driving increasingly optimal financial\nperformance, as evidenced by the cost-to-income ratio (CIR) improving to\n37.75 per cent, down 3.44 per cent compared to the previous month, which\nwas still above 40 per cent.<\/p>", "url": "https:\/\/jawawa.id\/newsitem\/strengthening-the-peoples-economy-bank-mandiris-credit-disbursement-grows-15-62-per-cent-in-january-2026-1771823818", "image": "" }, "sponsor": "Okusi Associates", "sponsor_url": "https:\/\/okusiassociates.com" }