Mitigating 2026 Challenges, Bank Mandiri Focuses on Ecosystem Penetration
Jakarta (ANTARA) - The President Director of PT Bank Mandiri (Persero) Tbk, Riduan, stated that the company is focusing on expanding the penetration of the Mandiri Group’s ecosystem to mitigate both global and domestic challenges throughout this year.
This strategy is implemented through increasing customer activities and transactions, as well as accelerating the digitalisation of banking services provided by the Mandiri Group.
“At the same time, we are also maintaining the quality of growth through selective credit distribution to prospective and resilient sectors, as well as tight portfolio monitoring and periodic stress testing,” said Riduan in response to a journalist’s question during an online press conference in Jakarta on Tuesday.
The company is observing several challenges in 2026, including global uncertainties and domestic conditions influenced by global factors as well as internal situations in Indonesia.
Additionally, the company is monitoring interest rate dynamics and credit quality in sectors sensitive to economic slowdowns.
From a global perspective, Riduan explained that escalating geopolitics still has the potential to disrupt supply chains and trigger volatility in commodity prices and financial markets in the region and worldwide.
The direction of interest rates ahead is also highly dependent on inflation developments, exchange rate stability, and dynamic global movements.
Meanwhile, domestically, Riduan added, pressures on energy prices and weakening purchasing power also need to be watched, as they could affect the risk profiles of Bank Mandiri’s debtors, particularly those exposed to commodities influenced by global prices.
With the strategy implemented by the company, Riduan assured that asset quality remains solid to date. This is reflected in the non-performing loan (NPL) ratio maintained below 1% and an NPL coverage ratio of 245% as of March 2026.
At the same time, Bank Mandiri is maintaining a strong capital buffer with a capital adequacy ratio (CAR) above 19% to face various future challenge scenarios.
In facing interest rate dynamics, Riduan said the company’s focus is not on speculating on interest rate directions, but rather ensuring that funding structure, liquidity, and portfolio mix remain adaptive.
Therefore, Bank Mandiri continues to strengthen low-cost funds or current account saving account (CASA) derived from transactional banking.
This strengthening is carried out through accelerating customer transactions and enhancing the digital ecosystem, which simultaneously drives recurring fee-based income growth and sustains Bank Mandiri’s profitability.
At the same time, Riduan emphasised, the company remains committed to supporting UMKM financing, strengthening the people’s economy, and implementing other strategic government agendas.
“With strong fundamentals, Bank Mandiri is optimistic about maintaining sustainable growth while strengthening its role as an agent of development for Indonesia’s economic development,” said Riduan.