# Bank Mandiri business performance and recognition

> Live situation record from CLSTR: https://clstr.news/situations/bank-mandiri-business-performance-and-recognition
> Updated: 2026-10-25T14:44:00.000Z. Sources: 7. Developments: 3.

In October 2026, PT Bank Mandiri (Persero) Tbk received the ‘Indonesia Customer Experience of the Year - Banking’ award at the Asian Experience Awards. This recognition was attributed to the bank’s integrated digital engagement model, which utilizes a Customer Data Platform and generative artificial intelligence to provide personalized services and tailored marketing content.

Later in the month, the bank reported a 20.7% year-on-year increase in consolidated net profit for the third quarter of 2026, totaling Rp45.5 trillion. Growth was driven by credit expansion, increased digital transactions, and improved productivity. Additionally, the bank saw a significant rise in foreign currency deposits, recording Rp84.3 trillion from natural resource export proceeds following the implementation of Government Regulation Number 21 of 2026.

Financial reports for the period ending September 2026 show total assets reached Rp2,404.1 trillion, a 20.1% increase from the previous year. Credit reached Rp1,605.8 trillion, growing 16% year-on-year, while third-party funds (DPK) rose 17.7% to Rp1,750.2 trillion. The bank also reported improved asset quality, with the gross non-performing loan (NPL) ratio for bank-only operations decreasing to 0.98% from 1.03% in the prior year. Regarding shareholder returns, the bank has distributed Rp50.6 trillion in dividends throughout 2026, including an interim dividend of Rp6.16 trillion.

## Claims

- Bank-only credit reached Rp1,605.8 trillion per September 2026. (corroborated by 3 sources)
- Bank Mandiri's consolidated net profit reached Rp45.5 trillion through Q3 2026. (corroborated by 2 sources)
- Net profit grew 20.7 percent year-on-year. (corroborated by 2 sources)
- Total assets reached Rp2,404.1 trillion as of the end of Q3 2026. (corroborated by 2 sources)
- Third-party funds (DPK) reached Rp1,750.2 trillion. (corroborated by 2 sources)
- Bank Mandiri distributed Rp50.6 trillion in dividends throughout 2026. (corroborated by 2 sources)
- The gross non-performing loan (NPL) ratio for bank-only operations fell to 0.98 percent. (single source)
- The NPL coverage ratio was 243 percent as of September 2026. (single source)

## Timeline

### 2026-10-25: Bank Mandiri reports Rp45.5 trillion profit through Q3 2026

Bank Mandiri's consolidated net profit rose 20.7% year-on-year to Rp45.5 trillion through Q3 2026, supported by credit expansion and a decrease in the gross NPL ratio to 0.98%.

4 sources. https://clstr.news/cluster/bank-mandiri-reports-rp455-trillion-profit-through-q3-2026

### 2026-10-23: Bank Mandiri reports 20.7% profit growth in Q3 2026

Bank Mandiri reported a 20.7% increase in Q3 2026 net profit to Rp45.5 trillion, driven by credit expansion and new foreign exchange policies.

4 sources. https://clstr.news/cluster/bank-mandiri-reports-207-profit-growth-in-q3-2026

### 2026-10-01: Bank Mandiri wins Indonesia Customer Experience of the Year award

PT Bank Mandiri (Persero) Tbk won Indonesia Customer Experience of the Year - Banking at the Asian Experience Awards 2026 for its use of generative AI and unified customer data platforms.

6 sources. https://clstr.news/cluster/bank-mandiri-wins-indonesia-customer-experience-of-the-year-award

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Cite as: Bank Mandiri business performance and recognition. CLSTR, https://clstr.news/situations/bank-mandiri-business-performance-and-recognition