)
Visual
test
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 contribution to cost savings and fee income?
Detail the credit cost model revision impact
Clarify BSI deconsolidation's financial impact
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Latest summaries
- TimeTickerHeadlineOpen
- 6 FebJ
Strong growth, digital innovation, and margin expansion drive robust multi-year financial outlook. - 6 Feb004020
Operating profit rose on cost savings and high-value sales, with major US expansion underway. - 6 FebJOUT
Net sales up 31%, gross margin at 36.6%, and net loss narrowed to $3.3 million. - 6 FebPECO
Record 2025 occupancy and 7% Core FFO growth; 2026 targets 5.5% FFO growth and strong acquisitions. - 6 FebPROV
Q2 FY2026 net income rose 65% year-over-year, with higher margins and strong credit quality. - 6 FebNVDA
AI-driven digital twins and accelerated computing are set to revolutionize industrial design and manufacturing. - 6 FebCDP
2025 FFO/share rose 5.8% to $2.72, with strong leasing and investment; 2026 guidance signals more growth. - 6 FebCRI
Q1 2025 saw record revenue, a return to profit, and major new contracts in space technology. - 6 FebCRINet loss widened to 7.5m PLN in H1 2024 as revenue fell and R&D costs remained high.
- 6 FebCRINet loss deepened on lower sales and higher costs, but major new contracts and restructuring are underway.
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
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage