Sulseltimes.com, Jakarta, Jumat, 06/11/2026 — Bank Mandiri recorded a net profit of Rp46.5 trillion in October 2026, up 19.6% year‑on‑year, supported by quality credit growth and rising transaction‑based income.
- Net profit reached Rp46.5 trillion, up 19.6% YoY
- Credit disbursement grew 16.5% YoY to Rp1,635 trillion
- NPL gross ratio fell to 0.97% from 1.02% a year earlier
- Fee‑based recurring income hit Rp17.2 trillion, up 19.8% YoY
- Livin' retail users grew 20.4% YoY to 43 million
“Pertumbuhan kredit kami jalankan dengan disiplin dalam memilih sektor dan menjaga kualitas pembiayaan. Didukung pendanaan yang kuat dan peningkatan aktivitas transaksi nasabah, pendekatan ini menjadi fondasi untuk menghasilkan kinerja yang konsisten sekaligus mendukung kegiatan ekonomi,” kata Novita Widya Anggraini, Direktur Finance & Strategy Bank Mandiri, Jumat, 06/11/2026.
Credit growth and asset quality
Bank Mandiri’s credit disbursement grew 16.5% year‑on‑year to Rp1,635 trillion in October 2026, while gross non‑performing loan (NPL) ratio fell to 0.97% from 1.02% a year earlier.
The NPL coverage ratio reached 244.5% and the cost of credit remained stable at 0.55%.
Digital transaction business drives funding
Kopra by Mandiri served 455 thousand corporate users, up 48.6% YoY, with transaction frequency of 1.32 billion, up 8.03% YoY.
Livin’ by Mandiri recorded 43 million registered retail users, a 20.4% YoY increase, and transaction frequency of 4.22 billion, up 27.8% YoY.
Rising fee‑based income
Third‑party funds grew 15.1% YoY to Rp1,762 trillion, with CASA ratio at 71.8% and total CASA of Rp1,265 trillion.
Fee‑based recurring income reached Rp17.2 trillion, up 19.8% YoY, while commission income from Livin’ and Kopra rose 40.9% and 21.1% respectively.
Bank Mandiri continues to expand its digital ecosystem, introducing services such as Livin’ Food, which connects more than 2,300 merchants to its user base, and a gold business that offers Tabungan Emas, KSM Emas and Gold ATM access.
