Bank Mandiri Expands Assets, Reinforces Strategic Role

JAKARTA, Investortrust.id — State-controlled lender PT Bank Mandiri (Persero) Tbk or BMRI strengthens its role as a strategic government partner on Thursday, Feb 12, 2026 in Jakarta by optimizing its financial structure to support sustainable expansion and national development, a move expected to bolster inclusive economic growth. The lender reports stronger assets, loans, and liquidity as part of its 2025 performance.

In its audited consolidated financial statement as of Dec 31, 2025, Bank Mandiri posted total assets of Rp 2,829.9 trillion, equal to $177.0 billion, up 16.6% year on year. Loans grew 13.4% year on year to Rp 1,895.0 trillion, equal to $118.4 billion.

The expansion was directed toward productive sectors to reinforce the grassroots economy. MSME loans increased 4.88% year on year, supporting more than 1.3 million small businesses nationwide.

President Director Riduan said the solid and consistent loan growth reflected the effectiveness of the bank’s integrated financing ecosystem strategy. He emphasized that BMRI maintained a balance between business expansion and asset quality.

"We continue to promote selective and measured lending across all segments, focusing on productive sectors that drive job creation and the grassroots economy. This approach allows us to maintain growth momentum while safeguarding asset quality," Riduan said in Jakarta.

On the funding side, third-party funds reached Rp 2,105.8 trillion, equal to $131.6 billion, rising 23.9% year on year. Low-cost funds, or CASA, grew 12.6% to Rp 1,431.4 trillion, equal to $89.4 billion, providing ample liquidity for expansion.

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Aligned with its role as a strategic partner to the government, BMRI channeled Rp 41 trillion, equal to $2.6 billion, in People’s Business Credit to around 360,000 MSME borrowers in 2025. The bank also financed 147 partners under the Free Nutritious Meals program while strengthening financial governance.

Support for rural economic development included managing more than 4,700 accounts for village cooperatives and opening over 3,700 accounts for village-owned enterprises. These initiatives complemented broader housing and village development programs.

BMRI implemented more than 1,174 corporate social responsibility programs in 2025, focusing on economic empowerment and disaster relief. The initiatives underscored its commitment to sustainable and inclusive development.

Over the past 25 years, BMRI distributed Rp 225 trillion, equal to $14.1 billion, in dividends to the state and shareholders. In 2025 alone, dividends reached Rp 52.5 trillion, equal to $3.3 billion, including Rp 43.5 trillion from 2024 earnings and Rp 9 trillion in interim dividends paid on Jan 14, 2026.

Tax contributions reached Rp 277 trillion, equal to $17.3 billion, cumulatively from 2000 to 2025. In 2025, the bank paid around Rp 27 trillion, equal to $1.7 billion, reinforcing its systemic role in supporting national fiscal capacity.

"For Bank Mandiri, supporting priority government programs is not merely a business target but part of our responsibility as a strategic state partner. Through prudent financing and ecosystem strengthening, we aim to ensure development benefits are distributed more evenly," Riduan said.