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PT Bank Mandiri (Persero) (BMRI) investor relations material
PT Bank Mandiri (Persero) Q1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Consolidated total assets reached Rp2,463.7 trillion as of 31 March 2025, up from Rp2,427.2 trillion at year-end 2024.
Net income for Q1 2025 was Rp14.53 trillion, a 2.9% increase year-over-year from Q1 2024.
Comprehensive income for the period was Rp15.21 trillion, with earnings per share at Rp141.40.
The bank maintained a strong capital position and continued to expand its loan and sharia financing portfolios.
Financial highlights
Net interest and sharia income rose to Rp25.50 trillion, up 5.5% year-over-year.
Total operating income (net interest, sharia, and premium) reached Rp25.93 trillion, up from Rp24.73 trillion in Q1 2024.
Operating income before tax was Rp18.18 trillion, up 3.3% year-over-year.
Total loans and sharia receivables stood at Rp1,625.3 trillion, with an allowance for impairment losses of Rp50.29 trillion.
Customer deposits increased to Rp1,504.8 trillion, up from Rp1,446.2 trillion at year-end 2024.
Outlook and guidance
Management expects continued growth in lending and deposits, supported by stable macroeconomic conditions.
The bank will focus on digital transformation, risk management, and sustainable financing initiatives.
Dividend payout for 2024 net income was approved at Rp43.51 trillion, paid in April 2025.
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