State-owned Bank Mandiri has welcomed the Indonesian Central Bank’s (BI) decision to lower the benchmark BI Rate by 25 basis points to 5.00 percent, calling it an accommodative step to maintain economic stability amid global uncertainties.
Novita Widya Anggraini, Bank Mandiri’s Director of Finance & Strategy, said the adjustment sends a positive signal to businesses.
“We are ready to strengthen synergy with the monetary authority through healthy, measured credit growth that supports both communities and enterprises,” she said as quoted in a statement on Tuesday, August 26, 2025.
The bank emphasized it will continue to run its intermediation function prudently, focusing on productive sectors and grassroots economic empowerment. Credit rates linked to the reference rate have already been adjusted in line with the BI Rate cut.
The 25 bps reduction is expected to lower overall lending yields by 10–15 bps, with minimal impact on interest income − offset by greater retail and SME lending and a balanced wholesale portfolio.
As of May 2025, Bank Mandiri’s wholesale credit grew 15.8 percent year on year, well above the industry’s 8.43 percent. Mortgage lending rose 14.2 percent yoy, while retail loans increased 8.95 percent yoy. Asset quality remains strong with an NPL ratio of just 1.06 percent, lower than the industry average.
To expand financial inclusion, the bank is leveraging its digital platforms: Livin’ by Mandiri for retail customers, Kopra by Mandiri for wholesale clients, and Livin’ Merchant for SMEs. These innovations aim to reinforce inclusive national growth and accelerate financial access across society.
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