> ## Content Index
> Fetch the complete content index at: https://www.theglobalbanker.com/llms.txt
> Use this file to discover other available public pages before exploring further.

# Indonesia's Bank Mandiri Reports FY2024 Net Profit of IDR 55.8 Trillion as Loans Grow 19%
- URL: https://www.theglobalbanker.com/bank-mandiri-fy2024-net-profit-idr-55-8-trillion-digital-platforms/
- Published: 2025-02-05T18:56:00.000Z
- Updated: 2026-10-02T13:46:44.000Z
- Description: Bank Mandiri posted full-year 2024 consolidated net profit of IDR 55.8 trillion, up 1.3%, with non-interest income up 4.1% to IDR 42.3 trillion and NPLs down to 0.97%.
- Author: TGB Editorial Team
- Tags: Banking News, Asia-Pacific, #archive

Bank Mandiri reported full-year 2024 consolidated net profit of IDR 55.8 trillion, an increase of 1.3% on the prior year, as loan growth of 19.4% offset pressure on the net interest margin. Non-interest income rose 4.1% to IDR 42.3 trillion, the bank disclosed in results published on Wednesday.

The fourth-quarter net interest margin was 4.95%, while the consolidated cost-to-income ratio was around 40%.

#### DIGITAL PLATFORMS LIVIN AND KOPRA

Livin, the retail super-app, and Kopra, the corporate digital banking platform, together generated a growing share of the bank's fee income during the year.

The NPL ratio fell to 0.97%.

#### NET INTEREST INCOME

Net interest income rose 6.1% to IDR 101.8 trillion.