Real-Time Monitoring of DHE SDA Management via Kopra by Mandiri

Jakarta, CNBC Indonesia - Bank Mandiri, through the Wholesale Digital Super Platform Kopra by Mandiri, has introduced an integrated solution that helps exporters monitor, manage, and ensure compliance with the placement of DHE SDA in Rekening Khusus (Reksus) in accordance with applicable regulations. As regulated by Government Regulation Number 8 of 2025, DHE SDA is foreign exchange derived from the exploitation, management and/or processing of natural resources that must be placed in the national financial system through certain mechanisms. In practice, the management of DHE SDA requires meticulous administration and consistent transaction monitoring to help companies maintain compliance while optimising cash flow. To address these needs, Kopra by Mandiri introduces the DHE Tracker feature designed to provide comprehensive visibility of incoming transactions to the Rekening Khusus DHE SDA. Through this feature, companies can monitor inbound funds in real time, making reconciliation and recording more accurate, faster, and efficient. Senior Vice President Digital Wholesale Banking Bank Mandiri Yohan Sugiono said that with ongoing innovation, the company ensures that DHE SDA management not only meets compliance but also provides convenience, transparency, and efficiency for exporters. Through Kopra by Mandiri, the company can manage foreign exchange obligations more controllably while optimising business liquidity. “This innovation is part of Bank Mandiri’s commitment to supporting Indonesian exporters to grow sustainably and compete in the global market. At the same time, it also strengthens the national financial system and fosters sustainable economic growth,” Yohan said in the official statement on Tuesday (3 March 2026). Through the DHE Tracker feature, exporters gain various conveniences to support their business operations. Reporting and audits, all information is presented in a single integrated digital ecosystem, minimising the risk of recording errors and data duplication. One of the primary advantages of this feature is self-flagging capability, which allows companies to categorise the funds received by type, such as oil and gas export proceeds, non-oil and gas, or other transactions in accordance with the regulations. This grouping helps the finance team to prepare internal reports, support the audit process, and ensure regulatory obligations are met more orderly and well-documented. The system also provides automated notifications whenever funds are deposited into the Rekening Khusus DHE SDA. The information can be accessed directly via the Kopra platform, so companies no longer need to perform periodic manual checks. With this more proactive approach, monitoring the flow of foreign exchange becomes more responsive and provides certainty in financial decision-making. In addition, incoming transaction reports can be downloaded as administrative supporting documents, aiding companies in storing archives and preparing the documents needed for reporting or audits. With transparent monitoring, systematic transaction grouping, and easy access to information, the DHE Tracker on Kopra by Mandiri becomes a strategic partner for companies in maintaining compliance, increasing operational efficiency, and supporting the stability of the national financial system. Through this innovation, Bank Mandiri not only provides banking services, but also offers a solution that strengthens the governance of exporters’ finances. This move underlines Bank Mandiri’s active role in strengthening Indonesia’s export ecosystem through digital transformation that is relevant, adaptive, and oriented to the needs of business actors. “The presence of DHE Tracker further strengthens Kopra by Mandiri’s role as an enabler of digital transformation in the wholesale sector, and a catalyst for national economic growth,” concluded Yohan. As of December 2025, the value of Kopra by Mandiri transactions has surpassed Rp27,000 trillion, with transaction volume reaching 1.5 billion and up 14% from the same period a year earlier. The number of Kopra users has also surpassed more than 300,000, reflecting growing corporate confidence in Bank Mandiri’s digital services.