Transactions and Ecosystem Continue to Grow, BMRI Performance Remains Solid
Bank Mandiri has continued its solid performance through the end of August 2026, supported by healthy intermediation growth and the expanding activity of customers within the company’s digital ecosystem. On a bank-only basis, Bank Mandiri’s credit disbursement reached Rp1,592 trillion by the end of August 2026, growing 17.6% year-on-year (YoY).
This growth continues to be managed based on prudent principles, considering sector prospects and risk profiles to ensure asset quality remains maintained. This is reflected in a non-performing loan (NPL) ratio of 1.00%, with an NPL coverage ratio reaching 240.6%.
In line with its role as a development agent, Bank Mandiri continues to direct financing towards productive sectors with growth prospects that provide a real impact on the economy. This credit disbursement is expected to support business development, strengthen the grassroots economy, and encourage job creation.
Credit growth was supported by third-party funds (DPK), which increased 17.6% YoY to Rp1,687 trillion. The funding structure remains strong, with savings reaching Rp563 trillion and current accounts amounting to Rp623 trillion.
These achievements reflect Bank Mandiri’s expanding role in supporting the transaction needs of both retail and business customers. This performance is further supported by increased transaction activity within Bank Mandiri’s digital ecosystem. Livin’ by Mandiri has been used by approximately 42.2 million users, with a transaction frequency of 3.32 billion.
Meanwhile, Kopra by Mandiri has served 385,300 registered users. Transaction frequency through Kopra reached 1.05 billion, in line with its utilisation by business actors to support business activities.
The increase in transaction activity has also strengthened the contribution of fee-based income to Bank Mandiri’s performance. As of the end of August 2026, fee-based income (FBI) grew by 12.9% YoY.
This growth was supported, among other things, by recurring fee-based income from Livin’ and Kopra, in line with the increasing frequency and variety of customer transactions on both platforms.
Supported by growth in intermediation, increased transactions, and increasingly diversified income, Bank Mandability on a bank-only basis recorded a net profit of Rp37.5 trillion up to August 2026, growing 22.3% YoY.
Bank Mandiri’s Director of Finance and Strategy, Novita Widya Anggraini, stated that this achievement serves as a foundation for the company to continue maintaining healthy and sustainable growth.
“Moving forward, we will maintain the quality of intermediation while strengthening Bank Mandiri’s digital capabilities. We are taking these steps to ensure we can continue to contribute to the national economy and provide convenient banking services for customers,” Novita said in an official statement on Friday (4/9/2026).
Digital Ecosystem Expands Access to Products and Services
Novita explained that Bank Mandiri continues to develop Livin’ by Mandiri and Kopra by Mandiri as the primary gateways for customers to access banking products and services. With this approach, customer interaction does not stop at transactions but evolves according to financial needs and business activities.
In the retail segment, Livin’ by Mandiri connects daily transactions with various financial management services within a single application. In addition to transfers, payments, and QRIS transactions, customers can open deposits and planned savings, access investments, and meet lifestyle needs.
The scope of Livin’ services continues to expand through new features. Livin’ Call allows customers to connect directly with Bank Mandiente service officers via the application without mobile credit costs, while Livin’ Next-G provides digital savings and transaction solutions for the younger generation connected to their parents.
“We will continue to enrich Livin’ by Mandiri with increasingly complete and personalised services, ranging from daily transactions to lifestyle and investment needs. Thus, Livin’ can continue to be part of the customer’s daily life while accompanying their various financial needs,” said Novita.
In the business segment, Kopra by Mandiri helps business actors manage transactions and cash flow, while Livin’ Merchant provides ease in accepting payments. The ecosystem is also connected to various financing solutions, including Micro Business Credit (KUM) and People’s Business Credit (KUR), so that MSMEs can obtain banking support in accordance with their business development.
“Our focus moving forward is to maintain healthy growth by continuing to expand the Bank Mandiri ecosystem. We want to ensure that customers can obtain reliable, easily accessible services that meet their needs through Livin’, Kopra, and the entire Bank Mandiri service network,” concluded Novita.