Annual Report
2013
PT Bank Mandiri Persero Tbk.
commercial business banking
Net Interest Income Rp Trillion
4,52 7,72
10,15
Overhead Expense Rp Billion
0,74 1,03
1,60
2011 2011
2012 2012
2013 2013
Fee-Based Income Rp Billion
840 970
1.225
Contribution Margin Rp Trillion
5,06 7,87
10,59
Includes joint management of customers formerly managed by CBB Directorate and which were transferred to the MRB Directorate in 2013
1. Low Cost Funds Enhancement Program CASA
a. Customer Operating Account Funds Enhancement Program
Increasing customer operating account funds via a number of diferent programs, namely, transferring customers’ operational transactions from working capital loan accounts to checking accounts and ofering
wholesale transactions product packages.
b. Program to enhance CASA through the development of the transaction business, especially payment and collection transactions in ive 5 priority sectors.
The year 2013 saw the designating of 5 priority sectors that have high cash low levels and are prospective sectors for the payment and collection business. The key initiative is to secure public sector funds from
government programs, such as the State Budget Treasury System and local government taxes.
c. Program to increase CASA from Anchor Clients and their Value Chains
2011
2011 2012
2012
2013
2013
Total Loans Rp Trillion
99
11,56 1,65
3,29 15
6,27 0,75
0,25 146
10,99 1,59
2,29 126
11,38 1,51
2,55 17
5,99 0,02
0,23 Rupiah
Rupiah Rupiah
Rupiah Valas
Valas Valas
Valas 12
6,37 0,93
0,23
2011
2011 2011
2011 2012
2012 2012
2012
2013
2013 2013
2013
75
20 128
103
32 Rupiah
Valas
17
2011 2012
2013
Total Deposit Rp Trillion
Loan Yield Cost of Liabilities
NPL
Annual Report
2013
PT Bank Mandiri Persero Tbk.
commercial business banking
2. Innovations in Product Development, Services and Processes
To provide solutions that are truly capable of answering customer needs, product innovation is constantly carried out in the interests of customers, including: i the development of Bank Guarantee BG, Trade, and
Credit products, including BG Front Loading, Mandiri Global Trade MGT, Yuan-based product bundling, Supply Chain Financing and Working Capital Overdraught-Giro. Product development is primarily aimed at
optimizing customer capital structure. ii developing e-channel services, including Mandiri e-Tax, Mandiri Easy RTE and Mandiri File Transfer. These products are designed to facilitate the management of customer
transaction data and information. iii Development of Giro products, including Giro Premier and Giro Yuan, and the development of Giro programs, such as Giro Regular, Giro Business and Giro Optima. The development
of these products and programs is based on customer segmentation so as to optimize the management of customer funds in accordance with their transactions needs in each segment.
In addition to products and programs, the CBB Directorate has also designated 6 product champions in the wholesale ield which are expected to drive the growth of low-cost funds bankwide. These product champions
are CASA Wholesale, Bank Guarantees, Supply Chain Financing, Distributor Financing, Export Finance LC and Non LC negotiable instruments PWE, and increasing Non-Revolving Working Capital Loans.
As regards innovations in the processes and services ield, these include i implementation of front-loading to expedite the process of issuing Bank Guarantees, ii improving the business banking loan process for loans of
under Ro 500 Million “BB Low Line”, and iii optimizing the handling of credit in Business Banking through desk collectors, auction pre-auction processes, and improving the ratio between Relationship Managers
and Assistant Relationship Managers from 1:1 to 1:2 so that RMs will be able to devote most of their time to marketing. In addition, the C-DASH monitoring tool, which has to date focused on asset products, particularly
loans, will be further reined by adding funding pipeline, FBI, product champion and product lifecycle features.
3. Building Organizational Capacity
