Asset Quality Maintained, BMRI's Profitability Very Healthy
PT Bank Mandiri (Persero) Tbk (BMRI) recorded a solid performance up to the first half of 2026, maintaining asset quality amidst aggressive credit growth, particularly in the commercial and MSME segments.
Director of Commercial Banking at Bank Mandiri, Totok Priyambodo, revealed that as of the end of the first half of 2026, the company’s non-performing loan (NPL) ratio stood at 0.98%. This figure reflects the company’s prudence in lending while still pursuing high growth.
“As of the end of the first half of 2026, we have been able to maintain asset quality, reflected in an NPL of 0.98%. At the same time, profitability is at a very healthy level, with an ROE of 24.3% and ROA of 3.10%,” Totok said during the online second quarter 2026 performance presentation on Thursday (23/7/2026).
Totok explained that the commercial segment is one of the main engines of Bank Mandiri’s business growth. Currently, the company partners with around 55,000 commercial business players spread across various regions of Indonesia.
As of the first half of 2026, commercial lending was recorded at Rp343 trillion, growing 15% year-on-year, with an average growth of 18% over the last three years. This growth is claimed to be not only high in quantity but also in quality, with the commercial segment NPL maintained at 0.63%.
In terms of regional distribution, the highest commercial credit growth was recorded in Jakarta and Banten at 19.1%, followed by Kalimantan at 15.3%, Java and Yogyakarta at 11.7%, and Sumatra and other regions at 6.78%.
“This distribution shows that economic growth is not only in business centres but is also increasingly evenly spread to various regions,” said Totok.
He added that Bank Mandiri’s commercial segment acts as a partner for local companies in various regions that are in an expansion phase to move up a class to become national players, while also embodying the company’s commitment to boosting business competitiveness in various regions.
In terms of financing sectors, lending is directed towards strategic industries, including palm oil (CPO), coal, water transportation, trade in goods and services, finance, water, and food and beverage (F&B).
Beyond the commercial segment, Bank Mandiri also affirmed its commitment to providing equitable financing, particularly for micro, small, and medium enterprises (MSMEs). MSME credit growth is said to be well distributed and consistently reaches all regions of Indonesia, including the outermost islands, with positive growth that is not concentrated in specific areas.
As of the first half of 2026, the company also continued to optimise credit yields, especially in the retail and MSME segments, so that the public can obtain affordable financing without reducing returns for the company. On the other hand, the efficiency measures implemented are considered capable of producing profitability that remains solid, while strengthening financing capabilities for productive sectors.
With a combination of high credit growth, maintained asset quality, and healthy profitability, Bank Mandiri is optimistic it can sustain its growth momentum until the end of 2026.