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PT Bank Mandiri (Persero) (BMRI) investor relations material
PT Bank Mandiri (Persero) Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary27 Oct, 2025
Executive summary
Achieved consolidated loan growth of 11% year-on-year as of September 2025, outpacing the industry, with strong deposit growth and robust asset quality (NPL ratio at 1.03%).
Net profit declined 10.2% year-on-year to IDR 37.7 trillion, mainly due to higher operating expenses and provisions.
Digital platforms Livin' and Kopra drove double-digit user and transaction growth, with Livin' reaching 35 million users and merchant app users at 3 million.
Total consolidated assets reached Rp2,563.4 trillion as of 30 September 2025, up from Rp2,427.2 trillion at year-end 2024.
Comprehensive income attributable to the parent entity was Rp41.3 trillion, down from Rp43.8 trillion year-over-year.
Financial highlights
Net interest margin (NIM) was 4.89% in September 2025, within guidance, but down from 5.11% in 9M24.
Net interest income grew 4.9% year-on-year to Rp78.3 trillion; non-interest income rose 7.97% year-on-year to Rp33.2 trillion.
Operating expenses increased 25.3% year-on-year, raising the cost-to-income ratio to 44.6% in 9M25.
CASA deposits rose 5.97% year-on-year to IDR 1,305 trillion; total deposits up 13% year-on-year to Rp1,884 trillion.
Return on assets at 2.02% and return on equity at 18.4% as of September 2025.
Outlook and guidance
Loan growth guidance for full-year 2025 maintained at 8–10% year-on-year, with expectations of stronger demand in Q4 and into 2026.
NIM expected to remain stable within 4.8%-5% for 2025, with potential upside in 2026 as cost of funds further improves.
OpEx growth to remain at 25% for 2025, normalizing to flat or slightly lower in 2026; CIR projected to normalize to 42%.
Management notes the implementation of new accounting standards (SFAS 117 and SFAS 109) for insurance and financial instruments starting 1 January 2025.
ROE targeted to improve toward 20% medium term.
Explain the sharp rise in OEOI and CIR
What drove the increase in Risk-Weighted Assets?
Drivers of the large operating cash flow swing
Kopra's strategy for high engagement balances
What specific actions lowered ESG risk to 9.5?
Government push on loan yields: NIM impact?
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Next PT Bank Mandiri (Persero) earnings date
Q4 20254 Feb, 2026
Next PT Bank Mandiri (Persero) earnings date
Q4 20254 Feb, 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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