Indonesia · Delayed Price · Currency is IDR PT Bank Mandiri (Persero) Tbk Earnings Call Transcripts
Fiscal Year 2025
-
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.
-
Loan growth outpaced the industry at 11% year-on-year, led by wholesale expansion and robust asset quality, while net profit declined 10.2% due to higher OpEx. NIM remained stable, digital and ESG initiatives advanced, and guidance for 2025 is maintained with expectations of margin and profitability recovery.
-
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
-
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%.