PT Bank Mandiri (Persero) Tbk

PT Bank Mandiri (Persero) Tbk

PPERY
PT Bank Mandiri (Persero) TbkUS flagOther OTC
10.05
USD
+0.17
- -
23.45BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
20,190.44
22,780.32
26,778.41
29,633.99
30,827.47
33,504.92
35,081.17
37,345.32
42,677.03
49,573.43
53,225.92
57,771.04
60,082.45
60,060.21
Basic EPS, GAAP
7,801.61
8,516.52
8,714.99
5,917.1
8,845.58
10,720.72
11,778.06
7,203.64
12,021.19
17,650.35
23,597.17
23,906.89
24,129.31
19,392.88
Free Cash Flow per Basic Share
4,589.72
7,772.29
3,639.68
16,693.47
988.15
-15,109.92
8,199.98
44,248.01
53,740.2
39,762.55
-32,067.85
-37,758.07
85,312.83
34,924.41
Dividend per Share
1,993.38
2,340.48
2,129.13
2,614.5
2,662.69
3,980.51
4,824.33
7,103.55
4,405.44
7,209.61
10,586.74
14,158.3
18,649.95
3,999.98
Book Value per Share
27,371.79
32,541.41
37,923.86
44,235.94
50,418.82
57,159.04
64,112.77
53,961.62
63,851.72
74,284.15
87,252.92
97,001.51
98,497.64
104,515.22
Tangible Book Value per Share
37,555.86
44,228.56
50,389.99
64,891.81
71,830.57
78,083.82
88,162.82
85,826.23
93,070.4
105,956.98
120,694.44
131,327.12
137,111.56
132,613.5
Basic Weighted Avg Shares
2,333
2,333
2,333
2,333
2,333
2,333
2,333
2,332
2,332
2,333
2,333
2,333
2,333
2,331
Sales/Revenue/Turnover
47,111,021
53,154,090
62,482,956
69,145,965
71,930,764
78,178,151
81,856,064
87,092,537
99,504,190
115,633,384
124,193,814
134,799,086
140,173,049
140,003,355
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
953,475
1,155,801
1,489,425
1,757,493
1,810,907
1,817,289
2,059,420
3,933,691
3,569,621
4,513,637
4,566,902
4,668,462
6,106,744
4,700,814
Net Income, GAAP
18,203,753
19,871,873
20,334,968
13,806,565
20,639,683
25,015,021
27,482,133
16,799,515
28,028,155
41,170,637
55,060,057
55,782,742
56,293,950
45,205,762
Effective Tax Rate (%)
21.74
20.58
19.78
21.12
21.04
23.84
21.91
24.57
20.35
20.27
19.59
19.94
19.72
19.37
Profit Margin (%)
38.64
37.39
32.54
19.97
28.69
32
33.57
19.29
28.17
35.6
44.33
41.38
40.16
32.29
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
22,242,400
29,489,002
39,406,251
45,124,183
52,244,474
68,780,376
84,464,310
89,537,582
94,433,066
107,146,082
134,256,304
172,099,510
218,797,194
211,076,419
Total Equity
88,790,596
104,844,562
119,491,841
153,369,723
170,006,132
184,960,305
209,034,525
204,699,668
222,111,282
252,245,455
287,494,962
313,474,681
327,401,998
313,951,508
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
31.47
28.43
24.74
14.4
18.69
19.93
19.42
12.2
20.41
25.56
29.22
25.95
24.68
20.56

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
- -
93,333
93,333
Market Capitalization
407,554,100
477,553,850
444,874,966

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
- -
384,905,876
259,931,650
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
10.85%
9.91%
4.44%
Free Cash Flow
-157.29%
-98.68%
-325.91%
Net Income, GAAP
15.93%
29.94%
0.92%
Sales/Revenue/Turnover
8.49%
10.08%
3.99%
Total Cash Common Dividend
28.06%
27.61%
31.71%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
31,763,259
32,428,975
34,040,519
36,066,516
134,799,086
2025
34,467,107
31,976,975
35,112,999
38,615,968
140,173,049
2026
34,297,413
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
5,443.79
- -
- -
- -
23,906.89
2025
5,655.99
- -
- -
- -
24,129.31
2026
6,599.66
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
14,158.3
- -
- -
- -
14,158.3
2025
- -
- -
- -
- -
18,649.95
2026
3,999.98
- -
- -
- -
- -

Company Description

APIChatGPT
CEO
Ahmad Riduan
Full Time Employees
38,751
Sector
Financial Services
Industry
Banks - Regional
Address
Jalan Jenderal Sudirman Kav 54-55 Jakarta JK Indonesia 12190
IPO Date
Aug 14, 2009
Business
PT Bank Mandiri (Persero) Tbk (Bank Mandiri) is Indonesia's largest bank by assets, providing comprehensive commercial banking services including corporate banking, commercial banking, retail banking, treasury and international banking, and institutional relations; its core offerings encompass deposits such as demand deposits, savings accounts, time deposits, and certificates of deposit; lending products including working capital loans, investment loans, personal loans, mortgages, auto loans, SME and micro business financing, structured finance, trade finance facilities like letters of credit, bank guarantees, forfaiting, and export credit agency financing; payment and transaction services covering domestic and international transfers, cash management, remittances, securities lending and borrowing, escrow services, and custodian services; digital platforms such as Livin' by Mandiri for retail users, Kopra by Mandiri for wholesale cash management, trade and value chain services, and Livin' Merchant for MSMEs; as well as fee-based services including securities brokerage via PT Mandiri Sekuritas Indonesia, insurance through AXA Mandiri Financial Services, and wealth management products. The bank operates primarily in Indonesia with international presence in Asia (Singapore, Malaysia, Hong Kong, Timor Leste, Shanghai), Western Europe (England), and the Cayman Islands, serving corporate clients, SMEs, micro businesses, salaried individuals, government institutions, and financial institutions across sectors like energy, construction, agriculture, and manufacturing. Founded on October 2, 1998, through the merger of four state-owned banks (PT Bank Bumi Daya, PT Bank Dagang Negara, PT Bank Ekspor Impor Indonesia, and PT Bank Pembangunan Indonesia) as part of Indonesia's banking restructuring amid the 1998 financial crisis, Bank Mandiri is headquartered at Plaza Mandiri, Jl. Jend. Gatot Subroto Kav. 36-38, South Jakarta, Indonesia, with its headquarters relocated to Menara Mandiri in June 2025. It maintains 11 subsidiaries, including Bank Syariah Indonesia, PT Bank Mandiri Taspen, Bank Mandiri (Europe) Ltd, PT Mandiri Sekuritas Indonesia, and Mandiri Tunas Finance, fostering group-wide synergies for cross-selling and ecosystem-based growth. In recent developments, Bank Mandiri advanced its digital transformation with major enhancements to Kopra by Mandiri, introducing AI-powered cash flow forecasting, liquidity tools, and one-hour trade finance processing, achieving $737.6 million in Q2 2025 transaction value (22% YoY growth) and serving over 30,000 corporate clients; Livin' by Mandiri expanded to 32.9-34 million users with 2.2 billion transactions and Rp 2,600 trillion value as of late 2023-2025; and Livin' Sukha 2.0 launched for lifestyle transactions. The bank intensified ecosystem synergy under its 2024-2025 "Growth through Digital and Ecosystem Synergy" strategy, emphasizing wholesale dominance beyond lending via structured finance and transaction banking, sustainable SME/micro growth with data analytics and fintech partnerships, retail expansion through payroll and digital CASA, and subsidiary alignment including Mandiri Sekuritas' RDN integration with Livin'. It renewed its role as Payment Bank and RDN Administrator for Indonesia's capital market (2024-2029), channeled Rp 19.33 trillion in KUR MSME loans by mid-2024, led green financing at Rp 115 trillion, issued a IDR 10 trillion Domestic Green Bond (valid to 2025), and underwent a leadership reshuffle in August 2025 alongside a PwC partnership for wealth advisory managing over Rp 300 trillion. These initiatives supported robust 2023-2025 performance, including 16.29% YoY loan growth to Rp 1,398 trillion, 9.12% asset growth to Rp 2,174 trillion, and net profit up 33.7% YoY to IDR 55.1 trillion, with ongoing wholesale loan expansion at 14.7% YoY in Q3 2025.

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