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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
PT Bank Mandiri (Persero)
PT Bank Mandiri (Persero) (BMRI) investor relations material
PT Bank Mandiri (Persero) Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2026 earnings summary30 Jul, 2026
Executive summary
Pre-provision operating profit (PPOP) rose 19.9% year-over-year in 1H26, driven by a 14.9% increase in non-interest income, especially from digital and fee-based services.
Net profit after tax and minority interest (PATMI) grew 24.4% year-over-year to Rp30.4T in 1H26, while net income for the six months ended June 30, 2026, was Rp31.6 trillion, up from Rp26.9 trillion in the same period last year.
Asset quality remained robust, with gross NPL at 1.01% and consolidated Loan at Risk (LaR) at 5.83% in 1H26; NPL (net) was 0.42%.
Operating expenses declined 1.4% year-over-year, improving the cost-to-income ratio (CIR) to 37.9%.
The company maintained strong capital adequacy, with a consolidated CAR of 17.88% as of June 30, 2026, well above regulatory minimums.
Financial highlights
Net interest income increased 8.05% year-over-year in 1H26, while non-interest income surged 14.9%.
Total consolidated assets reached Rp2,528T, up 18.1% year-over-year; total assets were Rp2,527.6 trillion, with total loans and sharia financing at Rp1,630.5 trillion.
Loans grew 18.8% year-over-year to Rp1,677T, with third-party funds up 17.1% to Rp1,763T.
NIM moderated to 4.56% in 1H26 due to loan repricing and competitive funding costs.
Earnings per share for the period was Rp326.11.
Outlook and guidance
FY26 guidance: loan growth 7–9%, NIM 4.3–4.5%, cost of credit 0.6–0.8%.
Management expects stable profitability and strong capital to support business growth and risk absorption.
Management remains cautious on retail NPL outlook and will maintain conservative credit risk management.
The company projects continued surplus liquidity, with LCR at 123.4% and NSFR at 106.6% as of June 30, 2026.
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Latest events from PT Bank Mandiri (Persero)
- PATMI rose 33.7% as loan growth and asset quality strengthened.BMRI
Q4 2023 - Net profit up 16.6% YoY to Rp16.21t, CAR 19.96%, NPL 1.02%, digital and sustainability gains.BMRIQ1 2026
- Net profit hit Rp61.3T, assets rose, and asset quality and capital adequacy stayed strong.BMRIQ4 2025
- Loan growth led at 11% YoY, but profit fell 10.2% amid higher costs and NIM pressure.BMRIQ3 2025
- Loan growth led the market, but profit fell on one-off costs; asset quality stayed strong.BMRIQ2 2025
- Net income hit Rp46.08T, assets Rp2,324T, and loan growth reached 20.8% YoY.BMRIQ3 2024
- 1H24 net profit reached Rp29.27T, assets Rp2,257.8T, and CAR 20.14% amid strong growth.BMRIQ2 2024
- Q1 2025 net income up 2.9% to Rp14.53T, assets at Rp2,463.7T, with strong loan growth.BMRIQ1 2025
- 2024 net profit up 1.3% to IDR 55.8T, with strong loan growth, digital gains, and robust asset quality.BMRIQ4 2024
Next PT Bank Mandiri (Persero) earnings date
Q3 202612 Nov, 2026
PT Bank Mandiri (Persero)
Next PT Bank Mandiri (Persero) earnings date
Q3 202612 Nov, 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.