14.3 18.0
22.1 22.3
24.4 25.1
29.6 28.9
31.9 33.4
40.6 40.5
42.3 44.6
52.0 49.5
47.8 44.2
45.2 41.8
44.7 46.6
57.6
14.1 31.1
31.2 27.7
27.2 26.1
24.8 24.8
27.9 30.1
28.8 30.8
30.7 30.9
28.0 27.5
30.8 28.3
30.1 30.2
28.0 29.5
33.6
97.1 87.8
106.9 107.7
106.1 104.1
105.1 96.7
85.9 80.5
70.3 68.4
63.4 90.8
89.1 85.7
80.5
1 6
.5 2
1 .5
2 3
.4 2
1 .5
1 7
.8 2
.6 2
.6 1
9 .4
1 8
.6 1
8 .0
1 7
.3 1
6 .5
1 3
.8 1
2 .5
1 1
.6 1
1 .1
1 3
.3 1
6 .3
1 5
.7 1
5 .9
1 5
.1 1
3 .4
1 2
.6
1 3
.2
1 1
.6
1 2
.6
1 2
.3
1 1
.9 1
2 .3
1 1
.9 1
1 .6
1 4
.9
100.7 66.5
65.0 72.3
79.8 93.2
2 4
6 8
1 1
2 1
4 1
6 1
8 2
Q 4 99 Q 4 00
Q 4 01 Q 1 02
Q 2 02 Q 3 02
Q 4 02 Q 1 03
Q 2 03 Q 3 03
Q 4 03 Q 1 04
Q 2 04 Q 3 04
Q 4 04 Q 1 05
Q 2 05 Q 3 05
Q 4 05 Q 1 06
Q 2 06 Q 3 06
Q 4 06
R p
S a
v in
g s
D e
p o
si ts
R p
D e
m a
n d
D e
p o
si ts
F X
D e
m a
n d
D e
p o
si ts
R p
T im
e D
e p
o si
ts F
X T
im e
D e
p o
si ts
R u
p ia
h S
a v
in g
s ro
se 2
3 .7
i n
Q 4
w h
il e
T im
e D
e p
o si
ts f
e ll
6 .1
D e
p o
si t A
n a
ly si
s – B
a n
k O
n ly
De po
s it s b
y T yp
e Rp
tn
7 3
.6 5
2 .9
6 8
.7
6 8
.6
6 6
.5
6 8
.3
6 2
.6
6 1
.5
5 6
.2
5 7
.3
5 1
.7
4 4
.6 5
3 .7
4 5
.0
4 5
.3
5 1
.5
5 4
.1
5 .9
4 4
.5
3 7
.0
3 3
.8
3 2
.1
2 3
.1 3
1 .4
R e
ta il
D e
p o
si ts
L o
w -C
o st
D e
p o
si ts
S a
v in
g s
d e
p o
si t
v o
lu m
e s
u rg
e d
b y
R p
1 1
.0 t
n in
Q 4
17.6 19.7
19.8 22.1
22.3 24.4
25.1 29.6
28.9 31.9
33.4 40.5
40.5 42.3
44.6 52.0
49.5 47.8
44.2 45.2
41.8 44.7
46.6 57.6
2 9
.2 2
3 .6
2 2
.7
1 .0
2 2
.8
1 6
.2
1 1
.7 3
.6 1
5 .9
1 5
.6
1 7
.5
1 5
.2
1 3
.5
1 1
.5 1
6 .8
Q 1 01 Q 2 01
Q 3 01 Q 4 01
Q 1 02 Q 2 02
Q 3 02 Q 4 02
Q 1 03 Q 2 03
Q 3 03 Q 4 03
Q 1 04 Q 2 04
Q 3 04 Q 4 04
Q 1 05 Q 2 05
Q 3 05 Q 4 05
Q 1 06 Q 2 06
Q 3 06 Q 4 06
S a
v in
g s
D e
p o
si ts
R p
t n
A s
o f
T o
ta l
D e
p o
si ts
N a
ti o
n a
l S
h a
re o
f S
a v
in g
s D
e p
o si
ts
6 .0
3 .0
3 .5
3 .4
3 .7
6 .1
3 .7
4 .7
1 .6
5 .3
6 .9
9 .5
4 .3
4 .8
9 .9
1 7
.1 6
.4
1 3
.9 8
.4 6
.8 1
1 .4
1 .4
1 7
.0 7
.4
8 .5
1 3
.1 7
.8 1
1 .9
R p
D D
R p
S a
v in
g s
R p
T D
1 M
o .
S B
Is
S a
v in
g s D
e p
o si
t G ro
w th
A v
e ra
g e
Q u
a rt
e rl
y D
e p
o si
t C o
st s
S B
T D
S D
D D
2 .7
2 .4
.8 .5
1 .4
4 .4
2 .6
1 .7
1 .1
1 .9
2 .2
2 .1
4 .2
4 .0
Q 1 02 Q 2 02
Q 3 02 Q 4 02
Q 1 03 Q 2 03
Q 3 03 Q 4 03
Q 1 04 Q 2 04
Q 3 04 Q 4 04
Q 1 05 Q 2 05
Q 3 05 Q 4 05
Q 1 06 Q 2 06
Q 3 06 Q 4 06
FX D
D FX
T D
F X
F X
6
Passion to Serve, Passion to Perform
Individual Mass Mass Affluent
H igh N et-worth Individual W ealth
Employee of Corporate Commercial Customers
Enhance network capability and coverage branches, ATM and electronic channel to strengthen transactional payment capability
O ptimize strong customer base in Corporate Commercial segment to serve transactional needs of its employees, distributors and suppliers cross BU alliances
Aggressively penetrating ethnic trading clusters ie. Tanah Abang, Mangga D ua through integrated business suite offering
D eliver “red carpet” service and wide range of investment and personal insurance products for H igh N et-worth, and provide specific offering to attract and retain Mass Affluent segment
Continuously improve branch service level to increase speed and convenience in order to attain
Leading Services Bank
position Key Target
Market Key Target
Market
Small Micro businesses
Key Strategy Key Strategy
Key Products Key Products
N etwork enhancement: install 375 new ATMs, 2 ATM D rive Thru, 50 new Self Services Pass Book Printers, open 41 new branches and 5 new Priority Launches
Enhance transaction features: joint ATM Mastercard, implement various additional payment features, shopping through e-channel, improve ED C features
Mandiri Fiesta, Tabungan Rencana Mandiri, Business Savings, multi-payment features through electronic channels
C onsumer Treasury, Structured Investment Products, Mutual Funds, Bankassurance
Int’l remittance
Selected Key Initiatives 2007
Selected Key Initiatives 2007
7
AT M Functionality O verview
Source: McKinsey
Bank Mandiri Key Competitor
Insurance Payment Sinar Mas, Eka Life, Astra
CMG
Installment Payment Columbia, O TO Multi
Artha, O TO Kredit Motor, Sun Prima
Education Payment STIE Trisakti
Multi Payment PGN , Modul Penerimaan
N egara
AcquiringATM N etwork
Purchase Payment 2007 : PT KAI, Air Asia, Lion
Air
Insurance Payment 2007 : Bumi Asih Jaya, Sequish
Life, AX A
Bill Payment Mini Statement
Registration Share N etwork
W ithdrawal Exchange Rate
Information
Bank Transfer
Balance Inquiry Purchases
Tuition Fee Payment
Loan Payment
Internet Cable TV Payment
Insurance Payment
Cell Phone Bill Payment
Credit Card Payment
AT M Functionality O verview Recently Added Features
A T
M t
ra n
sf e
r a
n d
p a
y m
e n
t tr
a n
sa c
ti o
n s
c o
n ti
n u
e t
o g
ro w
315.3 354.5
422.5 492.1
521.8 554.9
576.6 607.5
627.6 665.7
710.2 677.0
203.9 232.9
290.5
159.0 226.2
271.8 268.7
Q 1 01 Q 2 01
Q 3 01 Q 4 01
Q 1 02 Q 2 02
Q 3 02 Q 4 02
Q 1 03 Q 2 03
Q 3 03 Q 4 03
Q 1 04 Q 2 04
Q 3 04 Q 4 04
Q 1 05 Q 2 05
Q 3 05 Q 4 05
Q 1 06 Q 2 06
Q 3 06 Q 4 06
O th
e r
P a
y m
e n
t
T ra
n sf
e r
W it
h d
ra w
a l
In q
u ir
y
A v
g D
a il
y V
o lu
m e
A T
M A
v e
ra g
e D
a il
y T
ra n
sa c
ti o
n V
o lu
m e
A T
M A
v e
ra g
e D
a il
y T
ra n
sa c
ti o
n V
a lu
e
8.3 12.2
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