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PT Bank Mandiri (Persero)
PT Bank Mandiri (Persero) (BMRI) investor relations material
PT Bank Mandiri (Persero) Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary5 Feb, 2026
Executive summary
Net profit for 2025 reached Rp61.3 trillion (consolidated), nearly flat year-over-year, with comprehensive income at Rp68.5 trillion and strong PPOP growth despite a challenging environment.
4Q 2025 net profit was IDR 18.6 trillion, up 39.8% quarter-on-quarter and 35% year-on-year.
Consolidated loan growth for 2025 was 13.4% year-on-year, above guidance, driven by SOE disbursements and healthy asset quality.
Digital platforms drove user and transaction growth, supporting both retail and wholesale segments.
Asset quality remained robust with NPL ratio at 0.96% and strong coverage.
Financial highlights
Total assets grew to Rp2,829.9 trillion as of December 2025, up from Rp2,427.2 trillion in 2024.
Net interest income for 2025 was Rp106.2 trillion, up from Rp101.7 trillion in 2024.
Cost-to-income ratio (CIR) increased to 43.5% in 2025 due to one-off opex.
NIM for 2025 was 4.89%, stable and within guidance.
Deposits grew 26.2% year-on-year; excluding government placement, deposit growth was 22%.
Outlook and guidance
2026 loan growth guidance is 7–9% year-on-year, with balanced growth across wholesale and retail.
NIM for 2026 is guided at 4.6–4.8%, anticipating yield pressure but offset by lower funding costs.
Cost of credit expected to normalize to 60–80 bps in 2026.
Consolidated CIR expected at 42%–43% for 2026.
LDR to be managed around 95% in 2026.
Evaluate Stage 3 loan coverage ratio for 2025
Detail the bank's capital buffer adequacy
Explain the shift in net cash from operations
Digital's role in cost/growth decoupling and sticky CASA?
2026 CoC guidance: impact of model change?
Net impact of BSI deconsolidation on financials?
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Next PT Bank Mandiri (Persero) earnings date
Q1 202629 Apr, 2026
PT Bank Mandiri (Persero)
Next PT Bank Mandiri (Persero) earnings date
Q1 202629 Apr, 2026
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Frequently asked questions
PT Bank Mandiri (Persero) Tbk, commonly known as Bank Mandiri, is a major banking institution based in Indonesia. Established on October 2, 1998, through the merger of four state-owned banks, Bank Mandiri has grown to offer a broad array of financial products and services. These include corporate and retail banking, trade finance, treasury and international banking. Bank Mandiri provides a range of financial solutions such as savings and current accounts, various deposit options, loans (including micro, business, and consumer financing), credit and debit cards, as well as investment services like mutual funds and pension funds. The bank also offers digital banking solutions and has a significant presence both domestically and internationally, with operations in several countries including Singapore, Hong Kong, and Malaysia. The company is headquartered in Jakarta, Indonesia, and its shares are listed on the Indonesia Stock Exchange.
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