Indonesia’s largest state-owned bank is showing strong momentum. Bank Mandiri reported double-digit credit growth at the start of 2026, reflecting rising demand across households and businesses. The figures highlight both resilience in the financial sector and confidence in the broader economy.
Key Facts & Background
Credit Growth: Bank Mandiri’s total credit realization grew 15.62 percent year-on-year in January 2026, reaching Rp1,314.9 trillion.
Sectoral Distribution:
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- Corporate loans remained the largest contributor, driven by infrastructure, energy, and manufacturing projects.
- Commercial and SME loans showed steady expansion, supporting small and medium enterprises.
- Consumer loans grew strongly, particularly in mortgages and vehicle financing.
Funding Base: Bank Mandiri’s third-party funds (DPK) reached Rp1,439.6 trillion, up 11.6 percent year-on-year, reflecting strong deposit growth.
Asset Quality: The bank maintained a low non-performing loan (NPL) ratio, signaling stable risk management.
Digital Transformation: Growth was supported by digital banking services, with increased adoption of mobile and online platforms.
Economic Context: Indonesia’s economy grew above 5 percent in 2025, with household consumption and investment driving demand for credit.
Strategic Role: As the country’s largest lender, Bank Mandiri plays a central role in financing national development and supporting government programs.
Strategic Insights
The 15.62 percent credit growth achieved by Bank Mandiri in January 2026 underscores the strength of Indonesia’s banking sector and its ability to channel liquidity into productive areas of the economy. Rising demand across corporate, SME, and consumer segments reflects confidence in economic prospects, while strong deposit growth ensures funding stability. The emphasis on digital transformation enhances efficiency and broadens access, positioning the bank to capture future opportunities. For Indonesia, sustained credit expansion is vital for supporting investment, consumption, and infrastructure development, but maintaining asset quality and prudent risk management will be key to ensuring long-term resilience.