Indonesia · Delayed Price · Currency is IDR PT Bank Mandiri (Persero) Tbk Earnings Call Transcripts
Fiscal Year 2025
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Loan growth exceeded guidance at 13.4% year-on-year, with net profit up 35% year-on-year in Q4 2025. Asset quality remained strong, NIM was stable at 4.89%, and digital channels drove operational efficiency. 2026 guidance anticipates moderate loan growth, stable margins, and disciplined cost control.
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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%.