Amidst the turbulent global economic landscape, Bank Mandiri has successfully maintained its strong performance momentum during the first nine months of 2025. According to its September 2025 financial report, the bank, trading under the ticker BMRI, recorded a net profit of Rp 4.14 trillion, marking a robust 1.84 percent increase month-on-month (MoM).
This impressive achievement underscores the bank’s inherent business resilience and the effective, disciplined execution of its income and cost management strategies. A significant driver behind this profit growth was the continuous strengthening of non-interest income, commonly known as fee-based income, which now contributes an impressive 32 percent to the bank’s total revenue.
“We are consistently fortifying our sustainable financial fundamentals through revenue source diversification, the enhancement of our digital banking capabilities, and carefully measured cost efficiencies,” stated Novita Widya Anggraini, Director of Finance & Strategy at Bank Mandiri, in an official announcement on Wednesday, October 29.
Further solidifying its performance, Bank Mandiri also reported an 11 percent MoM growth in digital banking income, powered by its flagship super app Livin’ and the comprehensive super platform KOPRA. Concurrently, treasury income surged by 10 percent. These two dynamic sectors have consistently been primary catalysts for the ongoing increase in fee-based income.
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Beyond these impressive figures, the bank, distinguished by its iconic golden ribbon logo, is actively expanding its recurring income streams. This strategic move is crucial for ensuring sustained profitability amidst evolving economic dynamics. Moreover, Bank Mandiri’s core intermediation function remains robust and unwavering.
As of September 2025, consolidated loan disbursements reached Rp 1,764 trillion, while Third Party Funds (DPK) amounted to Rp 1,884 trillion. Both figures demonstrate growth well above the industry average, showcasing the bank’s expansive reach and trusted position.
This outstanding performance reflects the company’s adept ability to balance aggressive business expansion with prudent risk management principles. Adding further strength to its fundamentals, Bank Mandiri has meticulously maintained its asset quality. The non-performing loan (NPL) ratio stood at an exceptionally low 1.03% in September 2025, significantly outperforming the industry average for the same period.
In alignment with its solid financial trajectory, Bank Mandiri has announced the implementation of a share buyback program, approved during the Annual General Meeting of Shareholders (AGM) in March 2025. This corporate action serves as a powerful testament to management’s profound confidence in the company’s intrinsic fundamentals and the long-term prospects of the national banking industry. “This buyback signals management’s trust in the strength of Bank Mandiri’s business model and its enduring long-term value,” Novita affirmed.
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Beyond reinforcing shareholder value, shares acquired through the buyback are also earmarked to support the Employee Stock Ownership Program (ESOP). This initiative highlights management’s consistent commitment to maintaining a balanced governance framework and fostering sustainable value for all stakeholders.
Through a powerful combination of resilient financial performance, healthy intermediation growth, and a proactive capital management strategy, Bank Mandiri remains optimistic about its capacity to sustain quality growth while consistently delivering added value.
“We view this growth momentum as concrete evidence of our solid fundamentals and the effectiveness of the strategies we are implementing. Moving forward, we will continue to strengthen Bank Mandiri’s role in creating significant added value for the national economy, aligning with the spirit of ‘Sinergi Majukan Negeri’ (Synergy for National Advancement),” Novita concluded.
Summary
Bank Mandiri (BMRI) reported a net profit of Rp 4.14 trillion in the first nine months of 2025, marking a robust 1.84 percent month-on-month increase. This strong performance was fueled by a significant rise in non-interest income, contributing 32 percent to total revenue, alongside growth in digital banking and treasury income. The bank maintained healthy intermediation with consolidated loan disbursements at Rp 1,764 trillion and Third Party Funds at Rp 1,884 trillion, both surpassing industry averages. Additionally, its asset quality remained strong with an exceptionally low non-performing loan ratio of 1.03 percent.
In a move reflecting confidence in its fundamentals and long-term value, Bank Mandiri announced a share buyback program, approved in March 2025. This corporate action aims to reinforce shareholder value and will also support its Employee Stock Ownership Program. The bank remains optimistic about its ability to sustain quality growth and deliver added value to the national economy through resilient performance and strategic capital management.