Net income in the January-September period was 18.09 trillion rupiah ($1.19 billion), said Bank Mandiri director Panji Irawan, up from 15.07 trillion rupiah posted in the same period last year.

The bank's loan distribution grew by 14 percent from a year earlier while its gross non-performing loan improved to 3.01 percent from 3.75 percent a year earlier.

(Reporting by Tabita Diela, Writing by Fransiska Nangoy; Editing by Vyas Mohan)