Annual Report
2013
PT Bank Mandiri Persero Tbk.
Penetration by Bank Mandiri products among 2,532 corporate clients product holding increased signiicantly from approximately 6 products per customer in 2009 to around 9 products per customer at the
end of 2013.
We also act as a money market maker, as relected in the high volume of money market and capital market trading throughout the Mandiri Group. During 2013, the value of our money market and forex market
trading transactions were worth USD 331.6 billion, or the equivalent of USD 1.33 billion per day. Meanwhile, the volume of trading in corporate and government bonds amounted to USD 17.62 billion, or the equivalent
of USD 70.5 Million per day.
Our excellent relationship with our depositors, particularly our large and institutional depositors makes our funding position more sustainable, with core depositors’ funds auditing to Rp71.4 trillion or 12.8 of total
deposits. The introduction of Account Plans for 100 anchor clients has successfully attracted more low-cost funds. Bank Mandiri’s Low Cost Funds from the corporate transaction business amounted to Rp74.3 trillion,
and accounted for 48.9 of total funds. Mandiri Group has also become the market leader in fee-based income, which amounted to Rp14.5 Trillion based on a fee-based ratio increased of 29.4, up signiicantly
from 2006, when it stood at only 19.6.
2. Transactional and Retail Banking
In connection with the development of our retail transaction business, we continue to improve retail customer acquisition through the intensiication and extension of our e-channels, such as our ATM and EDC
networks, and Mandiri Internet Banking. In order to optimize the use of ATMs and EDCs, our collaboration with 191,167 merchants has seen the installing of 230,352 EDCs and 165 billers in order to develop payment
billers. In terms of network development, we have opened 2,050 domestic branch oices and installed 11,514 ATMs. We have also been developing Mandiri e-cash technology and products, and modernizing our
mobile banking and internet networks so as to establish a single platform to meet the needs of business customers with high levels of mobility.
In line with Bank Mandiri’s development strategy for retail transactions, the number of transactions conducted by Mandiri customers through our e-channels has increased signiicantly, far ahead the number
of transactions conducted through our branch network. The number of e-channel transactions in 2013 amounted to 1,363 million ATM network and internet and mobile banking or an average of 5.45 million
transactions per day, far beyond the 125.2 million transactions conducted through our branches, or an average of 501 thousand transactions per day. The number of Bank Mandiri prepaid cardholders also
increased by 29.7 YoY to reach more than 3.5 million, with the number of daily transactions averaging 453.5 thousand and a daily transaction value of Rp 6.0 billion.
In developing or acquiring business customers, we focus on the development of business clusters by forging alliances between businesses and SBUs in each region. Such collaboration covers the aspects of product
development, determining target markets, marketing and promotional eforts, monitoring and follow-up solutions so as to optimize the business penetration of each cluster. To date, a number of business clusters
have been developed and the process continue apace so as to further enhance penetration. Growth in Mandiri Business Deposit Accounts during 2013 amounted to 44.52 so that total deposits by business
customers amounted to Rp85.82 trillion. This indicates an encouraging level of penetration in business customer acquisition.
Bank Mandiri also continued to increase its presence in the retail transaction market by serving the needs of our customers’ entire business value chains, where customer business operations are facilitated by the Bank
‘s products and services, both as regards core business chains and derivatives businesses.
Report of the Board of Directors
Annual Report
2013
PT Bank Mandiri Persero Tbk.
All transactions conducted in our branches, whether by distributors, users or suppliers, use Bank Mandiri products and services. To ensure signiicant increases in customer share of wallet, we measure share of wallet
precisely and in detail. This is in line with our increasing ability to develop B2B business so as to penetrate into sectors and industries that have complex value chains, such as the food beverage, consumer foods,
and telecommunications sectors. All of these sectors ofer huge business potential in derivative businesses.
Furthermore, we have been improving our understanding of the value chains of each business customer. This is important because it is only through a deep understanding that we will be be able to identify and serve
the speciic needs of customers in each focus industry so as to capture all customer transactions through the value chain from end-to-end. In
addition, we are committed to developing total business relationships so as to complement our other eforts.
Our value chain strategy has led to increased cooperation such as in the case of Pertamina’s 3,693 retail outlets and average business volume of
Rp1.9 Trillion per month. We also work together with 51,711 telcos and resellers with an average monthly business volume of Rp 2.3 billion.
We also collaborate with 104 companies for the provision of payroll services involving 1.14 million accounts and have acquired a 13.45
million line unit accounts.
3. Retail Financing
