<![CDATA[This study aims to analyze the trends in and compare the credit quality of PT Bank Mandiri (Persero) Tbk from 2019 to 2024 based on the Non-Performing Loan (NPL) ratio. A quantitative approach was employed using secondary data obtained from Bank Mandiri’s annual reports for the 2019–2024 period, sourced from the company's official website and the Indonesia Stock Exchange. Data collection utilized a time-series technique through document analysis, while the sample was selected using purposive sampling. The analysis involved calculating the annual NPL ratio and classifying it according to established criteria for assessing bank soundness. The results indicate that Bank Mandiri’s NPL ratio rose in 2020, reflecting an increase in problematic loans during the COVID-19 pandemic. Subsequently, the NPL ratio declined gradually through 2024. Based on the classification results, Bank Mandiri’s credit quality fell into the “Healthy” category from 2019 to 2021 and improved to the “Very Healthy” category from 2022 to 2024. These findings demonstrate an improvement in credit quality and increasingly effective credit risk management throughout the study period.]]>
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