Here's the Sneak Peek into Bank Mandiri's Performance Projections for 2026
PT Bank Mandiri (Persero) Tbk (BMRI) projects its business performance to continue growing sustainably through 2026, amid lingering global uncertainties.
Finance and Strategy Director of Bank Mandiri, Novita Widya Anggraini, stated that the company’s performance up to March 2026 still demonstrates solid fundamentals. Consolidated profit grew 16.56% year-on-year, in line with maintained asset quality.
“The strong profit performance is also balanced by preserved asset quality,” she said during the Q1-2026 performance presentation on Tuesday (21/4/2026).
From a risk perspective, the non-performing loan (NPL) ratio for bank-only operations stands at 0.98%, with cost of credit (CoC) at 0.48%. Meanwhile, the coverage ratio is high at 245%, reflecting strong provisioning against potential credit risks.
Capitalisation remains robust, with a capital adequacy ratio (CAR) of 19.7% and return on equity (ROE) reaching 20.1%.
Looking ahead, Bank Mandiri projects credit disbursement to grow in line with the banking industry, focusing on sectors deemed prospective and resilient to economic pressures.
Additionally, the company will continue to strengthen financing for the MSME sector as part of support for the people’s economy and the government’s strategic agenda.
This step also affirms Bank Mandiri’s role as an agent of development in driving national economic growth.
On the funding side, Bank Mandiri targets third-party funds (DPK) growth to exceed credit growth. The main focus is on increasing low-cost funds (CASA) to maintain funding cost efficiency.
The company is also committed to keeping the loan to deposit ratio (LDR) at a healthy level to ensure liquidity remains stable.
From a profitability standpoint, the net interest margin (NIM) is projected to remain stable. This will be supported by optimisation of the credit portfolio and more efficient cost of fund management.
Additionally, Bank Mandiri will accelerate growth in fee-based income (FBI), particularly recurring income. This strategy is bolstered through the development of digital ecosystems such as Livin’ by Mandiri and Kopra by Mandiri, which are expected to boost customer transaction activity.
Entering 2026, still marked by global dynamics, management remains optimistic that Bank Mandiri can maintain positive performance.
With strong fundamentals, targeted business strategies, and discipline in risk management, the company is confident in sustaining healthy and sustainable growth throughout the year.