Indonesia · Delayed Price · Currency is IDR PT Bank Mandiri (Persero) Tbk Earnings Call Transcripts
Fiscal Year 2025
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Net profit surged 39.8% QoQ and 35% YoY in 4Q 2025, with loan growth outpacing industry and robust asset quality. Digital transformation and ESG initiatives advanced, while 2026 guidance anticipates stable margins, prudent credit costs, and continued efficiency.
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Loan growth outpaced the industry at 11% year-on-year, with strong deposit and digital platform expansion. Net profit declined 10.2% year-on-year due to higher OpEx, but asset quality and capital ratios remain robust. NIM is stable, with guidance maintained for 2025.
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Loan growth outpaced the industry at 11% year-on-year, but net profit fell 7.89% due to one-off OpEx. Asset quality and capital ratios remain strong, with digital and ESG initiatives driving engagement and recognition.
Fiscal Year 2024
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Loan growth outpaced the industry at 19.5% year-on-year, led by wholesale and corporate segments, while net profit rose 1.3% to IDR 55.8 trillion. Asset quality remained strong, digital platforms drove fee income, and 2025 guidance targets 10–12% loan growth and ROE above 20%.