Jakarta, INTI - Bank Mandiri has strengthened its position as a leader in implementing environmental, social, and governance (ESG) principles in the national banking industry, with green financing reaching Rp 316 trillion by the end of 2025.
Deputy President Director of Bank Mandiri, Henry Panjaitan, stated that strengthening ESG has become part of the company’s approach to managing business and risk comprehensively, not merely meeting assessment indicators.
“For Bank Mandiri, ESG is not just about meeting assessment indicators, but is part of the way we manage business and operations comprehensively, from strategy and governance to risk management,” Henry said during the 2025 Bank Mandiri Performance Presentation held online on Thursday, February 5, 2026.
He added that this approach has positioned Bank Mandiri at the top of ESG rankings.
“As a result, we recorded the highest ESG score in Indonesia. This score not only excels nationally but also competes strongly at the ASEAN level. Even in terms of ESG Risk Rating, Bank Mandiri is currently in the lowest risk category, which is the best in ASEAN,” Henry said.
As of December 2025, Bank Mandiri’s sustainable financing portfolio reached Rp 316 trillion, growing 8 percent annually. The portfolio includes green financing of Rp 166 trillion and social financing of Rp 150 trillion, with a green financing market share of over 35 percent among the three largest national banks.
Strategic Sustainable Financing Across Segments
Henry explained that ESG leadership will continue to be strengthened through a sustainable financing pipeline built across segments, from corporates to retail and MSMEs.
“This pipeline is built across segments, not only in the corporate segment, but also retail and MSMEs,” he said.
Bank Mandiri’s sustainable financing is directed toward several strategic sectors, including energy resilience and renewable energy projects, waste-to-energy development, inclusive housing through the Housing Finance Liquidity Facility (FLPP), as well as strengthening inclusive economy MSMEs through People’s Business Credit (KUR) and productive micro-financing.
On the operational side, Bank Mandiri has also consistently reduced operational emissions by up to 32 percent from the 2019 baseline through green building optimization, the use of electric and hybrid vehicles, and the installation of solar panels.
Meanwhile, on financial inclusion, Bank Mandiri has expanded access to financial services for MSMEs through Livin’ Merchant. By the end of 2025, 62.7 percent of Livin’ Merchant users were in non-urban areas, equivalent to around 1.9 million users.
“With a strong foundation of governance and transparency, Bank Mandiri is optimistic about strengthening its role as a catalyst for sustainability transformation while maintaining the trust of all stakeholders,” Henry said.
Conclusion
Bank Mandiri’s strategic approach to ESG and sustainable financing demonstrates its leadership in integrating environmental, social, and governance principles across all operations. By supporting diverse sectors, reducing operational emissions, and expanding financial inclusion, the bank reinforces its role as a sustainability catalyst while maintaining stakeholder trust.
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