Jakarta, ThedailyID — Bank Mandiri reported solid performance at the start of 2026. Based on its January 2026 monthly financial report (bank only), loans grew 15.62 percent year-on-year (YoY) to Rp1,511.4 trillion.
The increase in lending also lifted total assets to Rp2,191.9 trillion, up 13.96 percent YoY. The growth reflects sustained business expansion alongside continued strengthening of the bank’s intermediation function at the beginning of the year.
Finance & Strategy Director Novita Widya Anggraini said the growth underscores the bank’s commitment to channel financing to productive sectors, including MSME ecosystems and businesses across regions. She noted that business acceleration continues to be balanced with prudent risk management to ensure sustainable value creation.
“We ensure that growth acceleration is supported by strong risk management and ecosystem integration, so it provides added value to the broader economy,” Novita said in a statement on Monday (23/2).
On the funding side, Third Party Funds (DPK) reached Rp1,635.5 trillion, up 17.29 percent YoY. The funding structure remained solid, dominated by low-cost funds with a Current Account Saving Account (CASA) ratio of 73 percent, supporting cost efficiency and liquidity strength.
From a profitability perspective, month-to-date net profit recorded double-digit growth, supported by a 10.2 percent YoY increase in Net Interest Income (NII). The Cost of Fund (CoF) declined by 27 basis points from the previous month to 2.06 percent in January 2026. Recurring Fee Based Income (FBI) also grew 16.1 percent YoY, while the Cost to Income Ratio (CIR) improved to 37.75 percent from above 40 percent in the previous month.
Performance was further supported by digital transaction growth, with Livin’ by Mandiri rising 49.3 percent YoY and Kopra by Mandiri increasing 27 percent YoY. Treasury transactions also climbed 33 percent YoY. Meanwhile, asset quality remained strong, with the Cost of Credit (CoC) declining 21 basis points YoY to 0.35 percent and the Non-Performing Loan (NPL) ratio stable at 0.97 percent. The bank said it will continue strengthening collaboration with stakeholders and maintaining prudent growth throughout 2026.
