Jakarta, ThedailyID — Bank Mandiri reaffirmed its commitment as a strategic partner to the government by optimizing its financial structure to support sustainable business expansion and national development. Throughout 2025, this strengthened financial foundation supported healthy intermediation while contributing to inclusive, competitive, and people-centered economic growth.
Amid stable national economic conditions, the bank’s financial structure was reflected in stronger balance sheet performance driven by asset and loan expansion. Based on audited consolidated financial statements as of December 31, 2025, Bank Mandiri’s total assets grew 16.6% year-on-year to Rp2,829.9 trillion, in line with credit growth of 13.4% year-on-year to Rp1,895.0 trillion.
The improvement was supported by a lending strategy focused on productive sectors to reinforce the grassroots economy. In 2025, Bank Mandiri’s MSME loans increased 4.88% year-on-year, underscoring its commitment to expanding sustainable financing access. The bank supports more than 1.3 million MSME entrepreneurs through an integrated financial ecosystem.
President Director Riduan said the bank’s consistent credit growth reflects the effectiveness of its comprehensive financing ecosystem strategy. He emphasized that the approach allows Bank Mandiri to balance expansion with asset quality while sustaining its contribution to community-based economic strengthening. From the funding side, credit growth was backed by strong liquidity, with third-party funds rising 23.9% year-on-year to Rp2,105.8 trillion and low-cost funds (CASA) increasing 12.6% to Rp1,431.4 trillion.
In line with its role as a government partner, Bank Mandiri directed its optimized financial structure toward priority national programs. During 2025, the bank disbursed Rp41 trillion in People’s Business Credit (KUR) to around 360,000 MSMEs under prudent lending principles. It also supported social and food security initiatives by financing 147 partners involved in the Free Nutritious Meals program and strengthened village economies by managing more than 4,700 cooperative accounts and opening over 3,700 village enterprise accounts.
The commitment was reinforced through more than 1,174 social and environmental responsibility programs in 2025 focused on economic empowerment and quality-of-life improvements, including humanitarian aid for disaster-affected areas. Bank Mandiri’s financial optimization also translated into sustained contributions to the state, with dividends reaching Rp52.5 trillion in 2025 and tax payments of around Rp27 trillion, part of a cumulative Rp277 trillion in taxes paid since 2000. Riduan concluded that supporting government priorities is an integral responsibility, and through measured financing and ecosystem strengthening, the bank seeks to ensure development benefits are shared more broadly.
