BUILDING YOUR DREAM
Transcript of BUILDING YOUR DREAM
![Page 1: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/1.jpg)
BUILDINGYOUR DREAM
![Page 2: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/2.jpg)
TABLE OF CONTENTS
![Page 3: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/3.jpg)
A N N U A L R E P O R TPT Bank Mandiri (Persero) Tbk.
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
33
BUILDING YOUR DREAM
![Page 4: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/4.jpg)
A RICH HERITAGE
“With a long history within the Indonesia banking sector, Bank
Mandiri has been supporting the growth
and development of our national economy
and the public and private sectors in
Indonesia.”
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
4
![Page 5: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/5.jpg)
A R
ICH
HE
RITA
GE
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
5
![Page 6: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/6.jpg)
AWARDS
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
6
![Page 7: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/7.jpg)
AW
AR
DS
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
7
![Page 8: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/8.jpg)
AWARDS
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
8
![Page 9: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/9.jpg)
AW
AR
DS
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
9
![Page 10: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/10.jpg)
FINANCIAL HIGHLIGHTS
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
10
![Page 11: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/11.jpg)
NUMBER OF EMPLOYEES NUMBER OF DOMESTIC BRANCHES
FIN
AN
CIA
L H
IGH
LIG
HT
SA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
11
NUMBER OF ATM – LINKSNUMBER OF ATMS
NUMBER OF DEPOSIT ACCOUNTS
![Page 12: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/12.jpg)
BANK MANDIRI PROFILE
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
12
![Page 13: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/13.jpg)
VISION, MISSION& CORPORATE CULTURE
BA
NK
MA
ND
IRI P
RO
FIL
EA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
13
![Page 14: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/14.jpg)
SHARE HIGHLIGHT
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
14
![Page 15: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/15.jpg)
INF
OR
MA
SI P
ER
US
AH
AA
NS
HA
RE
HIG
HL
IGH
TA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
15
![Page 16: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/16.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
16
![Page 17: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/17.jpg)
Ris
k a
nd
Cap
ital C
om
mit
tee
Info
rmati
on
& T
ech
no
log
y C
om
mit
tee
Hu
man
Cap
ital P
olicy
Co
mm
itte
eW
ho
lesa
le E
xe
cu
tive
Co
mm
itte
eR
eta
il &
Su
pp
ort
Exe
cu
tive C
om
mit
tee
Cre
dit
Co
mm
itte
e
Bo
ard
of
Co
mm
issi
on
ers
Au
dit
Co
mm
itte
e
Re
mu
ne
rati
on
an
d N
om
ina
tio
n C
om
mit
tee
Ris
k M
on
ito
rin
g C
om
mit
tee
& G
CG
Inte
rnal
Au
dit
Riy
an
i T. B
on
dan
Co
nsu
me
r F
inan
ce
Man
syur S. N
asution
Ch
an
ge
Manag
em
ent
Offi
ce
Har
yanto
T. B
ud
iman
Inst
itu
tio
nal
Ban
kin
g
Ab
du
l R
ach
ma
n
Inst
itu
tio
nal
Ban
kin
g I
Co
rpo
rate
B
an
kin
g I
Jakart
aN
etw
ork
Jakart
a
Co
mm
erc
ial
Sale
s
Wh
ole
sale
B
an
kin
g A
ud
it
Re
tail &
C
orp
ora
te
Ce
nte
r A
ud
itR
eg
ion
al
Co
mm
erc
ial
Sale
s II
Co
rpo
rate
B
an
kin
g I
IIM
ass
Ban
kin
g
Co
nsu
me
rL
oan
s
Co
rpo
rate
B
an
kin
g A
gro
B
ase
d
Ele
ctr
on
ic
Ban
kin
gB
usi
ne
ss
Ban
kin
g I
Bu
sin
ess
B
an
kin
g I
I
WT
BS
olu
tio
n
Sy
nd
icati
on
&
Str
uctu
red
F
inan
ce
Mic
ro N
etw
ork
D
ev.
Co
rpo
rate
Tra
nsa
cti
on
Ban
kin
g S
ale
s
Mic
ro B
usi
ne
ss
Dev.
We
alt
h
Man
ag
em
en
t
Man
dir
i S
eku
rita
s(I
nv.
Ban
kin
g)
AX
A M
an
dir
i
Ban
k S
inar
Hara
pan
Bali
Man
dir
i In
tern
ati
on
al
Re
mit
tan
ce
Man
dir
i M
an
aje
me
n
Inve
stasi
Ban
k M
an
dir
i D
ili,
Tim
or
Le
ste
Ban
k S
yari
ah
M
an
dir
i
Man
dir
i Tu
nas
Fin
an
ce
Ban
k M
an
dir
i H
on
g K
on
g,
Sin
gap
ore
&
Sh
an
gh
ai
Co
rpo
rate
B
an
kin
g I
IR
eg
ion
al
Ne
two
rk
Co
nsu
me
rC
ard
Re
gio
nal
Co
mm
erc
ial
Sale
s I
Inst
itu
tio
nal
Ban
kin
g I
I
Co
rpo
rate
Ban
kin
g *
)
Fra
nsi
sca N
. M
ok
Co
me
rcia
l &
Bu
sin
ess
Ban
kin
g
Su
nars
o
Mic
ro &
Re
tail B
an
kin
g
Bu
di
G.
Sa
dik
in
De
pu
ty P
resi
de
nt
Dir
ecto
r
Ris
win
an
di
Pre
sid
en
t D
ire
cto
r
Zu
lkif
li Z
ain
i
Te
ch
no
log
y &
Op
era
tio
ns
Kre
sno
Se
dia
rsi
Treasu
ry, F
l & S
pecia
lA
sset
Manag
em
ent
Th
om
as
Ari
fin
Co
mp
lian
ce
&H
um
an
Cap
ital
Og
i P
rast
om
iyo
no
Fin
an
ce
&
Str
ate
gy
Pah
ala
N. M
an
sury
Ris
kM
an
ag
em
en
t
Sen
tot
A. S
en
tau
sa
IT B
usi
ne
ss
So
luti
on
s &
Ap
p.
Se
rvic
es
Po
licy,
Syst
em
& P
roce
du
reC
om
me
rcia
lR
isk
Co
nsu
me
r R
isk
Re
tail R
isk
Tre
asu
ryC
om
plian
ce
Inve
sto
r R
ela
tio
ns
Mark
et
&
Op
era
tio
n R
isk
Le
gal
Hu
man
Cap
ital
Str
ate
gy
&
Po
licy
Acco
un
tin
gC
orp
ora
teR
isk I
Cre
dit
O
pe
rati
on
sS
pe
cia
l A
sse
t M
an
ag
em
en
t
Cu
sto
me
r C
are
&
Se
rvic
es
Co
rpo
rate
Ris
k I
IC
en
tral
Op
era
tio
ns
Pro
cu
rem
en
t &
F
ixe
d A
sse
tsL
earn
ing
Ce
nte
rC
orp
ora
te
Se
cre
tary
Ele
ctr
on
ic
Ch
an
ne
l O
pe
rati
on
s
IT P
lan
nin
g,
Arc
h. &
BC
P.
Ban
k M
an
dir
i C
ay
man
Isl
an
d
Cre
dit
Ris
k
& P
ort
folio
M
an
ag
em
en
tIT
Op
era
tio
ns
FI
Co
ve
rag
e &
S
olu
tio
ns
Hu
man
Cap
ital
Se
rvic
es
Str
ate
gy
&
Pe
rfo
rman
ce
Cu
ltu
reS
pe
cia
list
Ch
ief
Eco
no
mis
t
Bo
ard
of
Co
mm
issi
on
ers
&
Co
mm
itte
es
un
der
Co
mm
issi
on
ers
Dir
ecto
r
Co
mm
itte
es
un
der
Dir
ecto
rs
*)
Overs
eas
Bra
nch
es
Su
perv
isio
n
EV
P C
oo
rdin
ato
r
Gro
up
Head
Su
bsi
dia
ries
Su
b o
f S
ub
sid
iari
es
Overs
eas
Bra
nch
es
Sp
ecia
list
sam
e level G
rou
p H
ead
Ban
k M
an
dir
i E
uro
pe
Lim
ite
d
or
ga
niz
at
ion
st
ru
ct
ur
eA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
17
OR
GA
NiZ
AT
iON
ST
Ru
CT
uR
e
![Page 18: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/18.jpg)
Message from The President Commissioner
EDWIN GERUNGANPresident Commissioner and Independent Commissioner
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
18
![Page 19: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/19.jpg)
The successful completion of our transformation process does not depend solely on correct and focused business strategies, but also on consistency and discipline in developing good corporate governance (GCG) at a time of accelerating growth and increasing business complexity. In 2010, the Board of Commissioners endeavored to be more anticipatory in developing GCG and in exercising supervision of the internal control system in a manner commensurate with the development of our businesses in this era of transformation.
ME
SS
AG
E F
RO
M T
HE
PR
ES
IDE
NT
CO
MM
ISS
ION
ER
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
19
![Page 20: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/20.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
20
![Page 21: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/21.jpg)
ME
SS
AG
E F
RO
M T
HE
PR
ES
IDE
NT
CO
MM
ISS
ION
ER
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
21
![Page 22: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/22.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
22
![Page 23: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/23.jpg)
BO
AR
D O
F C
OM
MIS
SIO
NE
RS
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
23
Board of Commissioners
![Page 24: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/24.jpg)
BOARD OF COMMISSIONERS
EDWIN GERUNGANPresident Commissioner and
Independent Commissioner
MUCHAYATDeputy President Commissioner
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
24
![Page 25: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/25.jpg)
MAHMUDDIN YASINCommissioner
CAHYANA AHMADJAYADICommissioner
BO
AR
D O
F C
OM
MIS
SIO
NE
RS
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
25
![Page 26: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/26.jpg)
GUNARNI SOEWOROIndependent Commissioner
PRADJOTOIndependent Commissioner
BOARD OF COMMISSIONERS
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
26
![Page 27: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/27.jpg)
KRISNA WIJAYAIndependent Commissioner
BO
AR
D O
F C
OM
MIS
SIO
NE
RS
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
27
![Page 28: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/28.jpg)
Message from The President Director
ZULKIFLI ZAINIPresident Director
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
28
![Page 29: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/29.jpg)
Bank Mandiri’s business goal for the next five years is to accelerate market penetration so as to become the leading player in the wholesale transaction banking, retail deposit and payment, and retail financing segments. We are convinced that with determination and consistency, our focus on these three areas will generate growth and improve profitability so as to support our vision of making Bank Mandiri one of the top 5 banks in Asean by the end of 2014, and one of the top 3 by the end of 2020, in terms of market capitalization. Our determination to achieve this vision is a concrete manifestation of our commitment to providing maximum return to our customers, shareholders and stakeholders in a comprehensive, consistent and sustainable manner over the long term.
ME
SS
AG
E F
RO
M T
HE
PR
ES
IDE
NT
DIR
EC
TO
RA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
29
![Page 30: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/30.jpg)
lending of Rp41.9 trillion, or 24.7%
year on year, higher than the 22.8%
growth recorded by the banking
sector in general. As a result, Bank
Mandiri’s total lending expanded
from Rp198.5 trillion in 2009 to
Rp246.2 trillion last year. This
relatively high level of growth was
backed by good risk management
and asset quality, as reflected by a
decline in our gross NPL from 2.79%
to 2.42%. Regarding third party
funds, besides being the bank with
the highest level at Rp362.2 trillion,
Bank Mandiri also managed to
attract increased low-cost funding
-- up from Rp186.5 trillion in 2009 to
Rp202.0 trillion last year. This once
again highlights the fact that Bank
Mandiri is ahead of the competition
in the operating and payroll
accounts areas, whether regarding
quality of our service, scope of
our branch network, capacity of
our electronic channels, or the
development of our business chain.
In addition, Bank Mandiri’s fee-based
income in 2010 increased by Rp5.7
trillion over the previous year to
Rp8.7 trillion. This was the result
of our efforts to grow fee-based
income through such things as
payment, import and forex services.
The contribution of our six
subsidiaries to fee-based income
showed a phenomenal improvement,
with their total net profit soaring to
Rp1.1 trillion, or 11.8% of the Bank’s
total net profit, representing an
increase of 66% compared with
the previous year. Bank Mandiri
also achieved majority ownership
of AXA Mandiri in 2010 after
increasing its stake from 49% to
51%. It is expected that this will help
accelerate the development of the
insurance business at Mandiri Group,
backed by the Group’s extensive
service network and customer
base. The prospects for the
bancassurance business currently
look good, and AXA Mandiri has to
date successfully managed to grow
its business by a spectacular 115.3%
(growth in annual first year premium
volume) and its profit by 127% from
Rp211.4 billion to Rp479.9 billion. In
the shariah banking segment, Bank
Syariah Mandiri saw its profit soar to
Rp418.5 billion in 2010, representing
an increase of 43.8% over the
previous year, and has been able to
consolidate its position as leader in
the shariah market with a market
share of 33.2% by assets. The highly
satisfactory outcomes achieved by
these subsidiaries are the result
of our focus on the development
of Bank Mandiri’s non-organic
businesses, a focus that will be
consistently maintained in the years
to come by availing of promising
opportunities as they arise. This
focus represents a response to the
challenge of realizing Bank Mandiri’s
vision of becoming “The Most
Admired and Progressive financial
Institution,” and has successfully
positioned the Company as market
leader in various segments of the
financial services industry, including
insurance, securities, consumer
finance and shariah banking.
Our outstanding achievements
in 2010 provide an opportunity
for us to reflect on the progress
of the transformation process at
Bank Mandiri, which will continue
until 2014. To achieve our vision of
achieving a market capitalization
of more than Rp225 trillion and
taking a place among the top 5
banks in Asean by the end of
2014, and the top 3 by the end of
2020, discipline and consistency
in all areas will need to constantly
be at the forefront of our minds.
The improvements we intend to
cover a wide range of aspects that
will have a profound impact on
whether our not the transformation
at Bank Mandiri proves to be
successful over the long term.
These aspects include human
resources and corporate culture,
improved risk management, the
application of good corporate
governance, modernization of our IT
infrastructure, the expansion of both
our conventional branch network
and our electronic network, and
greater operational efficiency and
automation. These improvements
are not only necessary for the
purpose of strengthening the
organization’s fundamentals as
part of the transformation process,
but also for improving the quality
of the services we provide to our
customers. The fact that Bank
Mandiri has been ranked first for
the quality of its service for three
years in a row is ample testimony
to our continuing determination to
improve.
The challenges facing us are
more onerous than ever, including
increasingly tight competition
resulting from aggressive expansion
by our competitors, increasing
complexity of banking products,
which are becoming more closely
integrated with the products of
other industries, rapid advances
in banking technology, tighter
regulation of the banking sector,
domestic and international financial
and macroeconomic dynamics,
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
30
![Page 31: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/31.jpg)
ME
SS
AG
E F
RO
M T
HE
PR
ES
IDE
NT
DIR
EC
TO
RA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
31
![Page 32: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/32.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
32
![Page 33: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/33.jpg)
ME
SS
AG
E F
RO
M T
HE
PR
ES
IDE
NT
DIR
EC
TO
RA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
33
![Page 34: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/34.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
34
![Page 35: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/35.jpg)
We will be focusing on the following
aspects in particular during 2011:
1. Strengthening our corporate
culture through the second stage
of our cultural transformation,
namely, by stressing that
corporate culture represents
the realization of corporate
cultural values as translated into
behaviors, symbols and systems,
with the objective of inculcating
specific behaviors among Bank
Mandiri staff that are in line
with our vision of becoming a
regional player. We believe that
corporate culture constitutes
one of the principal foundations
that will allow Bank Mandiri to
grow aggressively while at the
same time continuing to offer
top-quality services. We will
inculcate the conviction in every
employee that corporate culture
is something that is planted and
grows in our words, thoughts
and actions on a daily basis,
predicated upon Trust, Integrity,
Professionalism, Customer Focus
and Excellence so as to allow
us to produce the best possible
outcomes.
2. Strengthening business
development with the focus
being on strategic alliances in
the wholesale banking, retail
payments & deposits, and retail
financing sectors, particularly in
industries that are characterized
by extensive value chains.
Building on our successes in
2010, in 2011 we will maintain
consistency in growing our
business so as to improve our
integrated wholesale transaction
banking services and expand
our retail payment and deposit
services in order to strengthen
our low-cost funds base, develop
retail financing, particularly in
the consumer and micro banking
segments, develop synergies
and alliances between strategic
business units (SBUs), and
optimize synergies with our
subsidiaries.
To grow our wholesale
transaction business, we will
focus on cash management,
trade finance, bank guarantees,
remittances and foreign
exchange transactions, with the
orientation being to encourage
revenue growth from fee-based
business while at the same time
increasing the floating of low-
cost fund operating accounts).
In 2011, we will also develop our
strategic value chain so as to
be more responsive to business
opportunities all along the value
chains of potential customers
that to date have not been
optimally targeted. The entire
value chains of our customers will
be locked through Bank Mandiri
products and services, including
both principal and subsidiary
value chains, so as to significantly
increase our share of customer
wallet. We will focus more on
customers that have extensive
value chains so as to optimize
the potential for cross-selling and
product bundling.
3. In order to support business
growth and provide the best
possible services to all customer
segments, particularly the retail,
consumer and commercial
segments, our network
development strategy will focus
on selectively increasing the
number of branch offices both at
home and overseas, increasing
the number of functional offices,
expanding our ATM network, and
augmenting our other customer
service networks as part of what
we like to think of as a quantum
leap forward. Regarding the
expansion of such network /
distribution infrastructure, we
will continue to maintain our
operational efficiency at a cost
efficiency ratio of under 40%.
4. We will strengthen risk
management in every bank
operation during the course
of 2011, particularly regarding
promoting growth in Bank
Mandiri’s three business focuses,
through the application of
prudential principles to act as
a counterbalance to the rapid
growth in the types and the
scope of businesses in the
banking industry – a process
characterized by the increasing
complexity of risk. In addition,
we will also strengthen risk
management so as to anticipate
adverse impacts on the global
and domestic economies, as well
as fluctuations in macro and
market indicators during 2011.
5. We will maintain our outward-
looking orientation so as to
ensure we achieve our targeted
market share, not only to achieve
our internal targets, but also to
see off the competition. We shall
also continue to press ahead
with benchmarking to ensure
the provision of international-
me
ss
ag
e f
ro
m t
he
pr
es
ide
nt
dir
ec
to
rA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
35
![Page 36: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/36.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
36
![Page 37: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/37.jpg)
Directors & EVP Coordinators
DIR
EC
TO
RS
& E
VP
CO
OR
DIN
AT
OS
RA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
![Page 38: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/38.jpg)
DIRECTORS
ZULKIFLI ZAINIPresident Director
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
![Page 39: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/39.jpg)
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
41
DIR
EC
TO
RS
RISWINANDIDeputy President Director
ABDUL RACHMANManaging Director Institutional
Banking
![Page 40: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/40.jpg)
DIRECTORS
SENTOT A. SENTAUSAManaging Director Risk
Management
THOMAS ARIFINManaging Director Treasury,
Financial Institutions & Special Asset Management
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
42
![Page 41: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/41.jpg)
BUDI G. SADIKINManaging Director Micro & Retail
Banking
OGI PRASTOMIYONOManaging Director Compliance
and Human Capital
DIR
EC
TO
RS
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
43
![Page 42: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/42.jpg)
SUNARSOManaging Director Commercial &
Business Banking
PAHALA N. MANSURYManaging Director Finance & Strategy and Chief Financial
Officer
DIRECTORS
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
44
![Page 43: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/43.jpg)
FRANSISCA N. MOKManaging Director Corporate
Banking
KRESNO SEDIARSIManaging Director Technology &
Operations
DIR
EC
TO
RS
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
45
![Page 44: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/44.jpg)
MANSYUR S. NASUTIONEVP Coordinator Consumer Finance
HARYANTO T. BUDIMANEVP Coordinator Change
Management Office
EVP COORDINATORS
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
46
![Page 45: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/45.jpg)
RIYANI T. BONDANEVP Coordinator Internal Audit
EV
P C
OO
RD
INA
TO
RS
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
47
![Page 46: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/46.jpg)
MACRO ECONOMIC DEVELOPMENT IN 2010
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
48
![Page 47: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/47.jpg)
MA
CR
O E
CO
NO
MIC
DE
VE
LOP
ME
NT
IN 2
010
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
49
![Page 48: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/48.jpg)
MACRO ECONOMIC DEVELOPMENT IN 2010
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
50
![Page 49: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/49.jpg)
MA
CR
O E
CO
NO
MIC
DE
VE
LOP
ME
NT
IN 2
010
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
51
![Page 50: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/50.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
52
![Page 51: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/51.jpg)
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
53
MANAGEMENT’S
DISCUSSION AND ANALISIS
OF FINANCIAL STATEMENT
AND OPERATING RESULT
![Page 52: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/52.jpg)
RISWINANDIDeputy President Director
Earnings per share increased 28.4% to Rp439 in 2011 from Rp342 in 2008. Profit from operations reached Rp13,737 billion, while net profit increased by 28.8% to Rp9.218 billion.
MANAGEMENT DISCUSSION AND ANALYSIS OF FINANCIAL STATEMENT AND OPERATING RESULT
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
5454
![Page 53: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/53.jpg)
MA
NA
GEM
ENT D
ISCU
SSIO
N A
ND
AN
ALYS
IS O
F FINA
NCIA
L STATEMEN
T AN
D O
PERATING
RESU
LTA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
5555
![Page 54: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/54.jpg)
MANAGEMENT DISCUSSION AND ANALYSIS OF FINANCIAL STATEMENT AND OPERATING RESULT
Bank Mandiri State-owned Bank Private BanksAnn
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
5656
![Page 55: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/55.jpg)
(%) 25
20
15
10
5
0
Bank Mandiri State-owned Bank Private Banks
MA
NA
GEM
ENT D
ISCU
SSIO
N A
ND
AN
ALYS
IS O
F FINA
NCIA
L STATEMEN
T AN
D O
PERATING
RESU
LTA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
5757
![Page 56: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/56.jpg)
Bank Mandiri State-owned Bank Private Banks
MANAGEMENT DISCUSSION AND ANALYSIS OF FINANCIAL STATEMENT AND OPERATING RESULT
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
5858
![Page 57: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/57.jpg)
(%) 25
20
15
10
5
0
Bank Mandiri State-owned Bank Private Banks
MA
NA
GEM
ENT D
ISCU
SSIO
N A
ND
AN
ALYS
IS O
F FINA
NCIA
L STATEMEN
T AN
D O
PERATING
RESU
LTA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
5959
![Page 58: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/58.jpg)
MANAGEMENT DISCUSSION AND ANALYSIS OF FINANCIAL STATEMENT AND OPERATING RESULT
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
6060
![Page 59: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/59.jpg)
MA
NA
GEM
ENT D
ISCU
SSIO
N A
ND
AN
ALYS
IS O
F FINA
NCIA
L STATEMEN
T AN
D O
PERATING
RESU
LTA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
6161
![Page 60: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/60.jpg)
MANAGEMENT DISCUSSION AND ANALYSIS OF FINANCIAL STATEMENT AND OPERATING RESULT
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
6262
![Page 61: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/61.jpg)
MA
NA
GEM
ENT D
ISCU
SSIO
N A
ND
AN
ALYS
IS O
F FINA
NCIA
L STATEMEN
T AN
D O
PERATING
RESU
LTA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
6363
![Page 62: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/62.jpg)
MANAGEMENT DISCUSSION AND ANALYSIS OF FINANCIAL STATEMENT AND OPERATING RESULT
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
6464
![Page 63: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/63.jpg)
MA
NA
GEM
ENT D
ISCU
SSIO
N A
ND
AN
ALYS
IS O
F FINA
NCIA
L STATEMEN
T AN
D O
PERATING
RESU
LTA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
6565
![Page 64: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/64.jpg)
MANAGEMENT DISCUSSION AND ANALYSIS OF FINANCIAL STATEMENT AND OPERATING RESULT
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
6666
![Page 65: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/65.jpg)
MA
NA
GEM
ENT D
ISCU
SSIO
N A
ND
AN
ALYS
IS O
F FINA
NCIA
L STATEMEN
T AN
D O
PERATING
RESU
LTA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
6767
![Page 66: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/66.jpg)
MANAGEMENT DISCUSSION AND ANALYSIS OF FINANCIAL STATEMENT AND OPERATING RESULT
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
6868
![Page 67: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/67.jpg)
MA
NA
GEM
ENT D
ISCU
SSIO
N A
ND
AN
ALYS
IS O
F FINA
NCIA
L STATEMEN
T AN
D O
PERATING
RESU
LTA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
6969
![Page 68: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/68.jpg)
MANAGEMENT DISCUSSION AND ANALYSIS OF FINANCIAL STATEMENT AND OPERATING RESULT
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
7070
![Page 69: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/69.jpg)
MA
NA
GEM
ENT D
ISCU
SSIO
N A
ND
AN
ALYS
IS O
F FINA
NCIA
L STATEMEN
T AN
D O
PERATING
RESU
LTA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
7171
![Page 70: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/70.jpg)
(Rp. Billion)
(Rp. Billion)
(Rp. Billion)
MANAGEMENT DISCUSSION AND ANALYSIS OF FINANCIAL STATEMENT AND OPERATING RESULT
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
7272
![Page 71: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/71.jpg)
MA
NA
GEM
ENT D
ISCU
SSIO
N A
ND
AN
ALYS
IS O
F FINA
NCIA
L STATEMEN
T AN
D O
PERATING
RESU
LTA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
7373
![Page 72: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/72.jpg)
MANAGEMENT DISCUSSION AND ANALYSIS OF FINANCIAL STATEMENT AND OPERATING RESULT
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
7474
![Page 73: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/73.jpg)
RESTRUCTURED LOANS
Previously restructured loans
accounted for 6.5% of our total loans
as of 31 December 2010, or Rp14,291
billion, a Decrease of 16.4% from
Rp17,104 billion as of 31 December
2009.
Notes:
1) Other restructuring schemes mainly involve reduction of interest rates, rescheduling of unpaid interest and extension of repayment
periods for unpaid interest
LOANS by TypE Of RESTRUCTURiNg AS Of 31 DECEmbER 2009 AND 2010
RESTRUCTURED LOAN mOVEmENT iN 2010
BALANCE AT THE BEGINNING OF YEAR (Rp. Billion) 17,104
Additional Restructuring 1,166
Repayments (1,623)
Written-0ff (769)
Others 1) 1,626
BALANCE AT THE END OF YEAR (Rp. Billion) 14,252
Notes:
1) Includes partial payments, foreign currency translation effects and
fluctuation in working capital facilities.
20102009 %
Rp. Billion
Long-term Loans with option to convert Debt to equity 190 175 1.2
Additional Loan Facilities 295 101 0.7
Extension of Loan Maturity Dates 6,764 7,020 49.3
Extension of Loan Maturity Dates and Reduction of Interest Rates 310 300 2. 1
Extension of Loan Maturity Dates and others Restructuring Rates 1) 9,546 6,656 46.7
Total 17,104 14,252 100
TotalforexRupiahColl
Outstanding
%
Subtotal Consumer 30,702 - 30,702 14.0
Non performing loan 648 - 648 2. 1
FINANCIAL INSTITUTION COVERAGE & SOLUTION
(FICS) 1 224 489 713 50.8
2 - 110 110 7.8
3 - 342 342 24.3
4 - - - -
5 - 240 240 17. 1
Subtotal FICS 224 1 , 1 8 1 1,405 0.6
Non performing loan - 582 582 41.4
Total Kredit 180,178 38,855 219,032
Rp. Billion
ma
na
gem
ent d
iscu
ssio
n a
nd
an
alys
is o
f fina
ncia
l statemen
t an
d o
perating
resu
ltA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
7575
![Page 74: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/74.jpg)
MANAGEMENT DISCUSSION AND ANALYSIS OF FINANCIAL STATEMENT AND OPERATING RESULT
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
7676
![Page 75: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/75.jpg)
MA
NA
GEM
ENT D
ISCU
SSIO
N A
ND
AN
ALYS
IS O
F FINA
NCIA
L STATEMEN
T AN
D O
PERATING
RESU
LTA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
7777
![Page 76: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/76.jpg)
MANAGEMENT DISCUSSION AND ANALYSIS OF FINANCIAL STATEMENT AND OPERATING RESULT
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
7878
![Page 77: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/77.jpg)
MA
NA
GEM
ENT D
ISCU
SSIO
N A
ND
AN
ALYS
IS O
F FINA
NCIA
L STATEMEN
T AN
D O
PERATING
RESU
LTA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
7979
![Page 78: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/78.jpg)
MANAGEMENT DISCUSSION AND ANALYSIS OF FINANCIAL STATEMENT AND OPERATING RESULT
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
8080
![Page 79: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/79.jpg)
MA
NA
GEM
ENT D
ISCU
SSIO
N A
ND
AN
ALYS
IS O
F FINA
NCIA
L STATEMEN
T AN
D O
PERATING
RESU
LTA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
8181
![Page 80: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/80.jpg)
MANAGEMENT DISCUSSION AND ANALYSIS OF FINANCIAL STATEMENT AND OPERATING RESULT
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
8282
![Page 81: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/81.jpg)
MA
NA
GEM
ENT D
ISCU
SSIO
N A
ND
AN
ALYS
IS O
F FINA
NCIA
L STATEMEN
T AN
D O
PERATING
RESU
LTA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
8383
![Page 82: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/82.jpg)
MANAGEMENT DISCUSSION AND ANALYSIS OF FINANCIAL STATEMENT AND OPERATING RESULT
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
8484
![Page 83: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/83.jpg)
MA
NA
GEM
ENT D
ISCU
SSIO
N A
ND
AN
ALYS
IS O
F FINA
NCIA
L STATEMEN
T AN
D O
PERATING
RESU
LTA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
8585
![Page 84: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/84.jpg)
MANAGEMENT DISCUSSION AND ANALYSIS OF FINANCIAL STATEMENT AND OPERATING RESULT
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
8686
![Page 85: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/85.jpg)
MA
NA
GEM
ENT D
ISCU
SSIO
N A
ND
AN
ALYS
IS O
F FINA
NCIA
L STATEMEN
T AN
D O
PERATING
RESU
LTA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
8787
![Page 86: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/86.jpg)
MANAGEMENT DISCUSSION AND ANALYSIS OF FINANCIAL STATEMENT AND OPERATING RESULT
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
8888
![Page 87: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/87.jpg)
MA
NA
GEM
ENT D
ISCU
SSIO
N A
ND
AN
ALYS
IS O
F FINA
NCIA
L STATEMEN
T AN
D O
PERATING
RESU
LTA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
8989
![Page 88: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/88.jpg)
MANAGEMENT DISCUSSION AND ANALYSIS OF FINANCIAL STATEMENT AND OPERATING RESULT
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
9090
![Page 89: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/89.jpg)
MA
NA
GEM
ENT D
ISCU
SSIO
N A
ND
AN
ALYS
IS O
F FINA
NCIA
L STATEMEN
T AN
D O
PERATING
RESU
LTA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
9191
![Page 90: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/90.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
92
![Page 91: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/91.jpg)
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
93
GOOD CORPORATEGOVERNANCE
![Page 92: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/92.jpg)
SUPERVISORY REPORTTHE BOARD OF COMMISSIONERS
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
9494
![Page 93: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/93.jpg)
SU
PE
RV
ISO
RY
RE
PO
RT
TH
E B
OA
RD
OF
CO
MM
ISS
ION
ER
SA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
9595
![Page 94: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/94.jpg)
SUPERVISORY REPORTTHE BOARD OF COMMISSIONERS
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
9696
![Page 95: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/95.jpg)
SU
PE
RV
ISO
RY
RE
PO
RT
TH
E B
OA
RD
OF
CO
MM
ISS
ION
ER
SA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
9797
![Page 96: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/96.jpg)
SUPERVISORY REPORTTHE BOARD OF COMMISSIONERS
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
9898
![Page 97: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/97.jpg)
SU
PE
RV
ISO
RY
RE
PO
RT
TH
E B
OA
RD
OF
CO
MM
ISS
ION
ER
SA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
9999
![Page 98: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/98.jpg)
GOOD CORPORATEGOVERNANCE
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
100100
![Page 99: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/99.jpg)
GO
OD
CO
RP
OR
AT
E G
OV
ER
NA
NC
EA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
101101
![Page 100: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/100.jpg)
GOOD CORPORATEGOVERNANCE
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
102102
![Page 101: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/101.jpg)
GO
OD
CO
RP
OR
AT
E G
OV
ER
NA
NC
EA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
103103
![Page 102: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/102.jpg)
GOOD CORPORATEGOVERNANCE
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
104104
![Page 103: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/103.jpg)
GO
OD
CO
RP
OR
AT
E G
OV
ER
NA
NC
EA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
105105
![Page 104: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/104.jpg)
GOOD CORPORATEGOVERNANCE
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
106106
![Page 105: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/105.jpg)
GO
OD
CO
RP
OR
AT
E G
OV
ER
NA
NC
EA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
107107
![Page 106: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/106.jpg)
GOOD CORPORATEGOVERNANCE
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
108108
![Page 107: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/107.jpg)
GO
OD
CO
RP
OR
AT
E G
OV
ER
NA
NC
EA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
109109
![Page 108: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/108.jpg)
GOOD CORPORATEGOVERNANCE
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
110110
![Page 109: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/109.jpg)
GO
OD
CO
RP
OR
AT
E G
OV
ER
NA
NC
EA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
111111
![Page 110: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/110.jpg)
GOOD CORPORATEGOVERNANCE
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
112112
![Page 111: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/111.jpg)
GO
OD
CO
RP
OR
AT
E G
OV
ER
NA
NC
EA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
113113
![Page 112: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/112.jpg)
GOOD CORPORATEGOVERNANCE
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
114114
![Page 113: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/113.jpg)
GO
OD
CO
RP
OR
AT
E G
OV
ER
NA
NC
EA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
115115
![Page 114: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/114.jpg)
GOOD CORPORATEGOVERNANCE
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
116116
![Page 115: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/115.jpg)
GO
OD
CO
RP
OR
AT
E G
OV
ER
NA
NC
EA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
117117
![Page 116: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/116.jpg)
GOOD CORPORATEGOVERNANCE
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
118118
![Page 117: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/117.jpg)
GO
OD
CO
RP
OR
AT
E G
OV
ER
NA
NC
EA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
119119
![Page 118: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/118.jpg)
GOOD CORPORATEGOVERNANCE
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
120120
![Page 119: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/119.jpg)
GO
OD
CO
RP
OR
AT
E G
OV
ER
NA
NC
EA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
121121
![Page 120: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/120.jpg)
GOOD CORPORATEGOVERNANCE
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
122122
![Page 121: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/121.jpg)
GO
OD
CO
RP
OR
AT
E G
OV
ER
NA
NC
EA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
123123
![Page 122: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/122.jpg)
GOOD CORPORATEGOVERNANCE
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
124124
![Page 123: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/123.jpg)
GO
OD
CO
RP
OR
AT
E G
OV
ER
NA
NC
EA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
125125
![Page 124: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/124.jpg)
GOOD CORPORATEGOVERNANCE
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
126126
![Page 125: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/125.jpg)
GO
OD
CO
RP
OR
AT
E G
OV
ER
NA
NC
EA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
127127
![Page 126: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/126.jpg)
GOOD CORPORATEGOVERNANCE
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
128128
![Page 127: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/127.jpg)
GO
OD
CO
RP
OR
AT
E G
OV
ER
NA
NC
EA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
129129
![Page 128: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/128.jpg)
GOOD CORPORATEGOVERNANCE
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
130130
![Page 129: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/129.jpg)
GO
OD
CO
RP
OR
AT
E G
OV
ER
NA
NC
EA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
131131
![Page 130: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/130.jpg)
GOOD CORPORATEGOVERNANCE
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
132132
![Page 131: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/131.jpg)
GO
OD
CO
RP
OR
AT
E G
OV
ER
NA
NC
EA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
133133
![Page 132: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/132.jpg)
GOOD CORPORATEGOVERNANCE
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
134134
![Page 133: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/133.jpg)
GO
OD
CO
RP
OR
AT
E G
OV
ER
NA
NC
EA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
135135
![Page 134: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/134.jpg)
GOOD CORPORATEGOVERNANCE
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
136136
![Page 135: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/135.jpg)
GO
OD
CO
RP
OR
AT
E G
OV
ER
NA
NC
EA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
137137
![Page 136: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/136.jpg)
GOOD CORPORATEGOVERNANCE
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
138138
![Page 137: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/137.jpg)
GO
OD
CO
RP
OR
AT
E G
OV
ER
NA
NC
EG
OO
D C
OR
PO
RA
TE
GO
VE
RN
AN
CE
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
139139
![Page 138: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/138.jpg)
GOOD CORPORATEGOVERNANCE
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
140140
![Page 139: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/139.jpg)
GO
OD
CO
RP
OR
AT
E G
OV
ER
NA
NC
EA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
141141
![Page 140: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/140.jpg)
GOOD CORPORATEGOVERNANCE
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
142142
![Page 141: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/141.jpg)
GO
OD
CO
RP
OR
AT
E G
OV
ER
NA
NC
EA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
143143
![Page 142: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/142.jpg)
GOOD CORPORATEGOVERNANCE
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
144144
![Page 143: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/143.jpg)
GO
OD
CO
RP
OR
AT
E G
OV
ER
NA
NC
EA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
145145
![Page 144: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/144.jpg)
GOOD CORPORATEGOVERNANCE
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
146146
![Page 145: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/145.jpg)
GO
OD
CO
RP
OR
AT
E G
OV
ER
NA
NC
EA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
147147
![Page 146: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/146.jpg)
GOOD CORPORATEGOVERNANCE
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
148148
![Page 147: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/147.jpg)
GO
OD
CO
RP
OR
AT
E G
OV
ER
NA
NC
EA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
149149
![Page 148: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/148.jpg)
GOOD CORPORATEGOVERNANCE
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
150150
![Page 149: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/149.jpg)
GO
OD
CO
RP
OR
AT
E G
OV
ER
NA
NC
EA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
151151
![Page 150: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/150.jpg)
GOOD CORPORATEGOVERNANCE
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
152152
![Page 151: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/151.jpg)
GO
OD
CO
RP
OR
AT
E G
OV
ER
NA
NC
EA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
153153
![Page 152: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/152.jpg)
GOOD CORPORATEGOVERNANCE
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
154154
![Page 153: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/153.jpg)
GO
OD
CO
RP
OR
AT
E G
OV
ER
NA
NC
EA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
155155
![Page 154: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/154.jpg)
GOOD CORPORATEGOVERNANCE
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
156156
![Page 155: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/155.jpg)
GO
OD
CO
RP
OR
AT
E G
OV
ER
NA
NC
EA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
157157
![Page 156: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/156.jpg)
GOOD CORPORATEGOVERNANCE
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
158158
![Page 157: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/157.jpg)
GO
OD
CO
RP
OR
AT
E G
OV
ER
NA
NC
EA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
159159
![Page 158: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/158.jpg)
GOOD CORPORATEGOVERNANCE
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
160160
![Page 159: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/159.jpg)
GO
OD
CO
RP
OR
AT
E G
OV
ER
NA
NC
EA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
161161
![Page 160: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/160.jpg)
GOOD CORPORATEGOVERNANCE
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
162162
![Page 161: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/161.jpg)
GO
OD
CO
RP
OR
AT
E G
OV
ER
NA
NC
EA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
163163
![Page 162: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/162.jpg)
GOOD CORPORATEGOVERNANCE
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
164164
![Page 163: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/163.jpg)
GO
OD
CO
RP
OR
AT
E G
OV
ER
NA
NC
EG
OO
D C
OR
PO
RA
TE
GO
VE
RN
AN
CE
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
165165
![Page 164: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/164.jpg)
GOOD CORPORATEGOVERNANCE
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
166166
![Page 165: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/165.jpg)
GO
OD
CO
RP
OR
AT
E G
OV
ER
NA
NC
E
Funding For Social and Political activitieS
A. For social activities as follows:
Funding For social
no. activities amount (rp.)
1. Cheap Market Program for Idul FItri 1431H 295,547,550
(sale of discounted essential commodities)
2. Blood donor drives in 6 Bank Mandiri groups in Jakarta 337,338,800
3. Planting of 500,000 trees program involving 10 Regional Offices 1,284,9 14 ,004
4. 500 golden teak saplings for distribution in Semarang 12,500,000
5. Planting of 2,500 trees in Bangkinang – Medan 35,000,000
6. Fruit tree saplings for Educational Gardens 63,000,000
Research and Tourism at Tanjung Pura University (UNTAN), Pontianak
7. Mangrove seeds as part of protection in Go Green 1 Million Trees for a 51,550,000
Healthy Environment – in collaboration with Himpunan
Keluarga Rembang – Jabodetabek
8. Mandiri Education Program – teaching in 219 schools (elementary up 2,801, 2 1 1 , 1 9 2
to high school), and 13 universities, and Mandiri Performance
Scholarships for 260 students at 13 third level institutes
9. Mandiri Enterpreneurship Workshops in Ambon and Jayapura 3,040,474,014
10. Mandiri Entrepreneurship Incubator and Training for 120 third 2,814,952,289
level institute lecturaers – Mandiri Officer Program
11. Mandiri Young Entrepreneurship Awards Program 2009 876,378,774
12. Workshop, Penganugerahan WM 2009, 5,808, 6 5 1 ,0 1 2
Launching Entrepreneurship Modules and Mandiri Expo 2010
13. WM Awards Program 2010 2,790,785,708
14. Bootcamp 2010 program for winners and finalists of WM 2007-2009 575,545,750
15. Training and Coaching Program for winners / finalists of WM 2009 in 2,620,874, 1 9 9
collaboration with ActionCOACH
total 23,408,723,292
B. For political activity : NONE
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
167167
![Page 166: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/166.jpg)
GOOD CORPORATEGOVERNANCE
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
168168
![Page 167: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/167.jpg)
GO
OD
CO
RP
OR
AT
E G
OV
ER
NA
NC
EA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
169169
![Page 168: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/168.jpg)
GOOD CORPORATEGOVERNANCE
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
170170
![Page 169: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/169.jpg)
GO
OD
CO
RP
OR
AT
E G
OV
ER
NA
NC
EA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
171171
![Page 170: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/170.jpg)
CORPORATE SOCIALRESPONSIBILITY
The Corporate Social Responsibility (CSR) strategy of Bank Mandiri is comprised of Strategic Programs focused on education and Responsive Programs more oriented towards and integrated with government programs and the needs of society.
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
172172
![Page 171: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/171.jpg)
CO
RP
OR
AT
E S
OC
IAL
RE
SP
ON
SIB
ILIT
YA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
173173
![Page 172: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/172.jpg)
CORPORATE SOCIALRESPONSIBILITY
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
174174
![Page 173: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/173.jpg)
CO
RP
OR
AT
E S
OC
IAL
RE
SP
ON
SIB
ILIT
YA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
175175
![Page 174: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/174.jpg)
CORPORATE SOCIALRESPONSIBILITY
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
176176
![Page 175: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/175.jpg)
CO
RP
OR
AT
E S
OC
IAL
RE
SP
ON
SIB
ILIT
YA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
177177
![Page 176: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/176.jpg)
CORPORATE SOCIALRESPONSIBILITY
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
178178
![Page 177: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/177.jpg)
CO
RP
OR
AT
E S
OC
IAL
RE
SP
ON
SIB
ILIT
YA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
179179
![Page 178: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/178.jpg)
CORPORATE SOCIALRESPONSIBILITY
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
180180
![Page 179: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/179.jpg)
CO
RP
OR
AT
E S
OC
IAL
RE
SP
ON
SIB
ILIT
Y
Other Corporate Social Responsibility activities undertaken by Bank Mandiri, besides those which formed part of the Mandiri Entrepreneurship Program, were as follows:
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
181181
![Page 180: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/180.jpg)
CORPORATE SOCIALRESPONSIBILITY
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
182182
![Page 181: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/181.jpg)
CO
RP
OR
AT
E S
OC
IAL
RE
SP
ON
SIB
ILIT
YA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
183183
![Page 182: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/182.jpg)
CORPORATE SOCIALRESPONSIBILITY
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
184184
![Page 183: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/183.jpg)
CO
RP
OR
AT
E S
OC
IAL
RE
SP
ON
SIB
ILIT
YA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
185185
![Page 184: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/184.jpg)
NON COMMISSIONERS MEMBERS OF COMMITTEES AND CORPORATE SECRETARY
TAMA WIDJAJAMember of Risk Policy Committee and Good Corporate Governance
ZULKIFLI DJAELANIMember Audit Committee
IMAM SUKARNO Member Audit Committee
SUKORIYANTO SAPUTROCorporate Secretary
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
186186
![Page 185: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/185.jpg)
PR
ES
S R
EL
EA
SE
S
PRESS RELEASES
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
187187
![Page 186: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/186.jpg)
PRESS RELEASES
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
188188
![Page 187: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/187.jpg)
PR
ES
S R
EL
EA
SE
SA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
189189
![Page 188: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/188.jpg)
PRESS RELEASES
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
190190
![Page 189: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/189.jpg)
PR
ES
S R
EL
EA
SE
SA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
191191
![Page 190: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/190.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
192
![Page 191: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/191.jpg)
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
193
WHOLESALE BANKING
![Page 192: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/192.jpg)
“The Directorate of Institutional Banking plays an active role inimproving the execution of value chains and alliances from the Government Institution/organization and State-Owned Enterpise segments and is also the principal selected partner in Fund and Investment management.”
INSTITUTIONAL BANKING
ABDUL RACHMANManaging Director Institutional Banking
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
194
![Page 193: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/193.jpg)
WH
OL
ES
AL
E B
AN
KIN
GIN
ST
ITU
TIO
NA
L B
AN
KIN
G
VOLUME OF FUND IN RUPIAHDIRECTORATE INSTITUTIONAL BANKING
VOLUME OF FUND IN FOREIGN CURRENCYDIRECTORATE INSTITUTIONAL BANKING
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
195
![Page 194: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/194.jpg)
INSTITUTIONAL BANKING
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
196
![Page 195: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/195.jpg)
28.54trillion
“Total fund under management of
Institutional Banking.”
FUND SEGMENTATIONDIRECTORATE INSTITUTIONAL BANKING
WH
OL
ES
AL
E B
AN
KIN
GIN
ST
ITU
TIO
NA
L B
AN
KIN
GA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
197
![Page 196: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/196.jpg)
CORPORATE BANKING
FRANSISCA N. MOKManaging Director Corporate Banking
“The strategy of Integrated Wholesale Transaction Banking and Corporate Banking continues to strengthen the organization, its human resources and its supporting infrastructure in providing tailored products/services to meet specific customer needs.”
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
198
![Page 197: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/197.jpg)
CO
RP
OR
AT
E B
AN
KIN
GA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
199
![Page 198: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/198.jpg)
CORPORATE BANKING
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
200
![Page 199: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/199.jpg)
“Total funds and credit managed by
Corporate Banking.”
136trillion
CO
RP
OR
AT
E B
AN
KIN
GA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
201
![Page 200: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/200.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
202
![Page 201: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/201.jpg)
CORPORATE BANKING: MANDIRI SEKURITAS
MANDIRI SEKURITAS
CO
RP
OR
AT
E B
AN
KIN
GA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
203
![Page 202: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/202.jpg)
CORPORATE BANKING: MANDIRI SEKURITAS
BOND & MTN UNDERWRITER RANKING 2010
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
204
![Page 203: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/203.jpg)
AWARDS
CO
RP
OR
AT
E B
AN
KIN
GA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
205
![Page 204: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/204.jpg)
COMMERCIAL & BUSINESS BANKING
SUNARSOManaging Director Commercial & Business Banking (CBB)
“In 2010, the Directorate of Commercial & Business Banking (CBB) successfully accounted for a contribution margin of Rp4, 71 Trillion. This is proof of our commitment to develop our Commercial & Business Banking in a sustainable manner.”
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
206
![Page 205: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/205.jpg)
CO
MM
ER
CIA
L &
BU
SIN
ES
S B
AN
KIN
GA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
207
![Page 206: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/206.jpg)
COMMERCIAL & BUSINESS BANKING
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
208
![Page 207: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/207.jpg)
“The volume of Bank Mandiri’s Trade
Finance transactions amounted.”
97.16 trillion
CO
MM
ER
CIA
L &
BU
SIN
ES
S B
AN
KIN
GA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
209
![Page 208: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/208.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
210
![Page 209: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/209.jpg)
CO
MM
ER
CIA
L &
BU
SIN
ES
S B
AN
KIN
GA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
211
![Page 210: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/210.jpg)
COMMERCIAL & BUSINESS BANKING:BANK SYARIAH MANDIRI
BANK SYARIAH MANDIRI
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
212
![Page 211: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/211.jpg)
AWARDS
CO
MM
ER
CIA
L &
BU
SIN
ES
S B
AN
KIN
GA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
213
![Page 212: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/212.jpg)
TREASURY, FINANCIAL INSTITUTIONS AND SPECIAL ASSET MANAGEMENT
THOMAS ARIFINManaging Director Treasury, Financial Institutions and Special Asset Management (TFS)
“The Treasury, Financial Institutions and Special Asset Management Directorate plays a central role and contributes significantly to the performance of the Bank through treasury management functions that are reliable, the progressive development of international business, handling non performing loans and providing an optimal and efficient procurement process.”
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
214
![Page 213: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/213.jpg)
TREAS
URY, FIN
AN
CIAL IN
STITUTIO
N A
ND
SPECIA
L ASS
ET MA
NA
GEM
ENT
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
215
![Page 214: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/214.jpg)
TREASURY, FINANCIAL INSTITUTIONS ANDSPECIAL ASSET MANAGEMENT
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
216
![Page 215: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/215.jpg)
USD42.1billion
“Total customer foreign currency transactions.”
TREAS
URY, FIN
AN
CIAL IN
STITUTIO
N A
ND
SPECIA
L ASS
ET MA
NA
GEM
ENT
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
217
![Page 216: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/216.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
218
![Page 217: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/217.jpg)
TREAS
URY, FIN
AN
CIAL IN
STITUTIO
N A
ND
SPECIA
L ASS
ET MA
NA
GEM
ENT
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
219
![Page 218: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/218.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
220
![Page 219: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/219.jpg)
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
221
RETAIL BANKING
![Page 220: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/220.jpg)
MICRO AND RETAIL BANKING
BUDI G. SADIKINManaging Director Micro and Retail Banking
“The Directorate of Micro and Retail Banking (MRB) was able to optimize its interest margin and control the cost of funds by striving for an increase in micro loan portfolios and an improvement in the composition of low-cost funds through added amassment of retail funds, in particular checking and savings products.”
MICRO AND RETAIL BANKING
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
222
![Page 221: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/221.jpg)
MIC
RO
AN
D R
ETA
IL B
AN
KIN
GA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
223
![Page 222: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/222.jpg)
MICRO AND RETAIL BANKING
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
224
![Page 223: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/223.jpg)
“Number of accounts grew 15% to 11.4
million accounts or more than 9.5 million
customers.”
11.4million
MIC
RO
AN
D R
ETA
IL B
AN
KIN
GA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
225
![Page 224: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/224.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
226
![Page 225: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/225.jpg)
MIC
RO
AN
D R
ETA
IL B
AN
KIN
GA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
227
![Page 226: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/226.jpg)
SUPERVISION OF SUBSIDIARIES
BANK SINAR HARAPAN BALI
PT MANDIRI MANAJEMEN INVESTASI
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
228
![Page 227: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/227.jpg)
PT. AXA MANDIRI FINANCIAL SERVICES
MIC
RO
AN
D R
ETA
IL B
AN
KIN
GA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
229
![Page 228: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/228.jpg)
CONSUMER FINANCE
MANSYUR S. NASUTIONExecutive Vice President (EVP) Coordinator Consumer Finance
“Over the next 5 years, the Consumer Finance Directorate is committed to becoming the market leader in virtually all consumer credit products, taking the No. 2 spot in credit card receivables and achieving a strong market share in auto loans.”
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
230
![Page 229: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/229.jpg)
CO
NS
UM
ER
FIN
AN
CE
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
231
![Page 230: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/230.jpg)
CONSUMER FINANCE
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
232
![Page 231: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/231.jpg)
“Consumer Finance business grew by 30%, above the market figure of
around 25% for 2010.”
30%
CO
NS
UM
ER
FIN
AN
CE
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
233
![Page 232: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/232.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
234
![Page 233: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/233.jpg)
CO
NS
UM
ER
FIN
AN
CE
MANDIRI TUNAS FINANCE
PT. MANDIRI TUNAS FINANCE
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
235
![Page 234: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/234.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
236
![Page 235: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/235.jpg)
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
237
CORPORATE CENTER &SHARE SERVICES
![Page 236: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/236.jpg)
RISK MANAGEMENT
SENTOT A. SENTAUSAManaging Director Risk Management
“To achieve its long-term target of becoming the leading bank in the region, Bank Mandiri continually upgrades its risk management capabilities, in terms of improving the management of and processes involved in business risk, applying risk management tools in line with best practice, integrating risk management through Risk Management Enterprises and consolidating risk management with subsidiary companies.”
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
238
![Page 237: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/237.jpg)
RIS
K M
AN
AG
EM
EN
T
BANK CREDIT GROWTH EXCHANGE RATE AND INTEREST RATE VOLATILITY
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
239
![Page 238: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/238.jpg)
OVERALL STRUCTURE OF RISK MANAGEMENT GOVERNANCE
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
240
![Page 239: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/239.jpg)
“The implementation of Basel II through
Enterprise Risk Management has already passed
through the application of a Standardized
Approach phase and is heading towards
the application of an Advanced Approach, which is expected to
improve the efficiency of managing capital.”
Capital Efficiency
through the application of
Basel II
RIS
K M
AN
AG
EM
EN
TA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
241
![Page 240: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/240.jpg)
“The application of an improved credit process with more accurate and
reliable risk management has produced credit
growth above average with the level of NPL held
in check.”
Credit in the Micro segment grew by more than 35% year on year with a
NPL level below 5%.
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
242
![Page 241: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/241.jpg)
CREDIT PROCESS CHANNELS AND CREDIT RISK MANAGEMENT
RIS
K M
AN
AG
EM
EN
TA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
243
![Page 242: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/242.jpg)
PORTFOLIO GUIDELINE
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
244
![Page 243: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/243.jpg)
RIS
K M
AN
AG
EM
EN
TA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
245
![Page 244: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/244.jpg)
COMPOSITION OF CREDIT PER ECONOMIC SECTOR AS OF 31 DECEMBER 2010
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
246
![Page 245: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/245.jpg)
VALUE AT RISK IN 31 DECEMBER 2010
VAR AND BACK TESTING IN 2010
Dec’09
Apr’10
Aug’10
Jan’1
0
May’10
Sep’10
Mar’10
Jun’1
0
Oct’10
Mar’10
Jul’1
0Nov
’10
Dec’10
RIS
K M
AN
AG
EM
EN
TA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
247
![Page 246: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/246.jpg)
INTEREST RATE SENSITIVITY ANALYSIS
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
248
![Page 247: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/247.jpg)
SECONDARY RESERVE RATIO TO PUBLICFUNDS (%)
RATIO OF LARGE CUSTOMER SAVINGS TO PUBLIC FUNDS (%)
RIS
K M
AN
AG
EM
EN
TA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
249
![Page 248: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/248.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
250
![Page 249: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/249.jpg)
RIS
K M
AN
AG
EM
EN
TA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
251
![Page 250: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/250.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
252
![Page 251: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/251.jpg)
RIS
K M
AN
AG
EM
EN
TA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
253
![Page 252: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/252.jpg)
TECHNOLOGY & OPERATIONS
KRESNO SEDIARSIManaging Director Technology & Operations
“Customer satisfaction is always our primary focus in providing the best possible services. We provide banking services 24 x 7, a range of products and services to suit every customer segment, and security guarantees for every transaction. These will always be our primary concerns as part of the effort to make Bank Mandiri Indonesia’s most admired and most progressive financial institution.”
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
254
![Page 253: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/253.jpg)
TE
CH
NO
LOG
Y A
ND
OP
ER
AT
ION
SA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
255
![Page 254: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/254.jpg)
SERVICE EXCELLENCEARCHITECTURE
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
256
![Page 255: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/255.jpg)
“1.177 billion of Total financial transactions
annually.”
1.177Billion
Total Account (thousand)
Total Monetary Transaction (thousand)
Total Transaction (thousand)
2006 2007 2008 2009 2010
14,000
12,000
10,000
8,000
6,000
4,000
2,000
0
2,500,000
2,000,000
1,500,000
1,000,000
500,000
0
6,37
2
7,97
4
9,31
5 10,10
4
476,
495
571,9
36 710,
416
874,
465
864,
589 1,0
34,6
48 1,275
,722
1,439
,281
11,9
35
1,177
,075
2,08
6,94
9
TE
CH
NO
LOG
Y A
ND
OP
ER
AT
ION
SA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
257
![Page 256: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/256.jpg)
COMPLIANCE AND HUMAN CAPITAL
OGI PRASTOMIYONOManaging Director Compliance and Human Capital
“Strategic initiatives have been prepared by the Compliance and Human Capital Directorate to improve the productivity, engagement and competencies of our staff, and to provide added value to the company.”
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
258
![Page 257: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/257.jpg)
CO
MP
LIA
NC
E A
ND
HU
MA
N C
AP
ITAL
IMPLEMENTATION OF CORPORATE CULTURE THROUGH BEHAVIOR, SYMBOLS AND SYSTEMS
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
259
![Page 258: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/258.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
260
![Page 259: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/259.jpg)
CO
MP
LIA
NC
E A
ND
HU
MA
N C
AP
ITAL
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
261
![Page 260: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/260.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
262
![Page 261: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/261.jpg)
CO
MP
LIA
NC
E A
ND
HU
MA
N C
AP
ITAL
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
263
![Page 262: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/262.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
264
![Page 263: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/263.jpg)
COMPLIANCE AND HUMAN CAPITAL
0.21 0.26
0.330.35
CO
MP
LIA
NC
E A
ND
HU
MA
N C
AP
ITAL
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
265
![Page 264: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/264.jpg)
INTERNAL AUDIT
RIYANI T. BONDANExecutive Vice President (EVP) Coordinator Internal Audit
“The role of Internal Audit as a strategic partner will be effective if it can provide information quickly, accurately and reliably so as to assist management improve the quality of internal control, risk management and management, which in the end will ensure the achievement of all of the company’s objectives. Appropriate recommendations provide the yardsticks by which the added value provided by Internal Audit may be measured.”
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
266
![Page 265: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/265.jpg)
INT
ER
NA
L A
UD
IT
“The DIA has launched 5 initiatives that have been built on the back of the initiatives that were implemented
during the first phase of the transformation program and which will provide a solid
platform for the rolling out of the second
stage of the program.”
5initiatives
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
267
![Page 266: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/266.jpg)
CHANGE MANAGEMENT OFFICE
HARYANTO T. BUDIMANExecutive Vice President (EVP) Coordinator Change Management Office
“Commencing the next phase in the transformation of Bank Mandiri, Change Management Office Directorate (CMO) continues to play an active role in the implementation of strategic initiatives mainly on 4 (four) major areas: improving current business strategy, leading the new business development, supporting the Board of Directors in various strategic projects, and playing an active role as the catalyst in the development of cross-directorate initiatives.”
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
268
![Page 267: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/267.jpg)
CH
AN
GE
MA
NA
GE
ME
NT
OF
FIC
E
SCOPE OF CHANGE MANAGEMENT OFFICE (CMO)
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
269
![Page 268: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/268.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
270
![Page 269: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/269.jpg)
CH
AN
GE
MA
NA
GE
ME
NT
OF
FIC
EA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
271
![Page 270: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/270.jpg)
FINANCE AND STRATEGY
PAHALA N. MANSURYManaging Director Finance & Strategy and Chief Financial Officer
“In 2010, the Finance & Strategy Directorate successfully the commenced the preparation of infrastructure and strategic monitoring initiatives so as to lay the foundations for the growth of Bank Mandiri’s business in line with the Long Term Strategic plan, and laid the groundwork for the bank’s rights issue to strengthen our capital base and provide a platform of the second stage of our transformation through 2014.”
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
272
![Page 271: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/271.jpg)
FIN
AN
CE
AN
D S
TR
AT
EG
YA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
273
![Page 272: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/272.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
274
![Page 273: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/273.jpg)
FIN
AN
CE
AN
D S
TR
AT
EG
YA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
275
![Page 274: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/274.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
276
![Page 275: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/275.jpg)
FIN
AN
CE
AN
D S
TR
AT
EG
YA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
277
![Page 276: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/276.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
278
![Page 277: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/277.jpg)
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
279
CORPORATE INFORMATION• SHAREHOLDER INFORMATION• PRODUCTS AND SERVICES• MANAGEMENT• GROUP HEADS
![Page 278: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/278.jpg)
SHAREHOLDER INFORMATION
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
280
![Page 279: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/279.jpg)
SH
AR
EH
OL
DE
R IN
FO
RM
AT
ION
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
281
![Page 280: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/280.jpg)
SHAREHOLDER INFORMATION
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
282
![Page 281: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/281.jpg)
SH
AR
EH
OL
DE
R IN
FO
RM
AT
ION
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
283
![Page 282: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/282.jpg)
SHAREHOLDER INFORMATION
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
284
![Page 283: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/283.jpg)
SH
AR
EH
OL
DE
R IN
FO
RM
AT
ION
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
285
![Page 284: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/284.jpg)
SHAREHOLDER INFORMATION
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
286
![Page 285: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/285.jpg)
SH
AR
EH
OL
DE
R IN
FO
RM
AT
ION
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
287
![Page 286: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/286.jpg)
SHAREHOLDER INFORMATION
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
288
![Page 287: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/287.jpg)
SH
AR
EH
OL
DE
R IN
FO
RM
AT
ION
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
289
![Page 288: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/288.jpg)
SHAREHOLDER INFORMATION
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
290
![Page 289: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/289.jpg)
SH
AR
EH
OL
DE
R IN
FO
RM
AT
ION
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
291
![Page 290: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/290.jpg)
PRODUCTS AND SERVICES
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
292
![Page 291: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/291.jpg)
PR
OD
UC
TS
AN
D S
ER
VIC
ES
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
293
![Page 292: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/292.jpg)
PRODUCTS AND SERVICES
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
294
![Page 293: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/293.jpg)
PR
OD
UC
TS
AN
D S
ER
VIC
ES
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
295
![Page 294: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/294.jpg)
PRODUCTS AND SERVICES
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
296
![Page 295: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/295.jpg)
PR
OD
UC
TS
AN
D S
ER
VIC
ES
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
297
![Page 296: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/296.jpg)
MANAGEMENT
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
298
![Page 297: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/297.jpg)
ma
na
ge
me
nt
/gR
OU
P H
ea
DS
group headS
group head group directorate
Jiantok Hardjiman Institutional Banking 1 Institutional Banking
Mangkoe Sasmito Institutional Banking 2 Institutional Banking
Bambang Setyogroho Corporate Banking 1 Corporate Banking
Supriyusman Corporate Banking 2 Corporate Banking
Elisabeth R. T. Siahaan Corporate Banking 3 Corporate Banking
Rafjon Yahya Corporate Banking Agro Based Corporate Banking
Alexandra Askandar Syndication & Structured Finance Corporate Banking
Novianti Hardi Corporate Transactional Banking Sales Corporate Banking
Royke Tumilaar Jakarta Commercial Sales Commercial & Business Banking
Aquarius Rudianto Reg. Commercial Sales 1 Commercial & Business Banking
Santoso B. Riyanto Reg. Commercial Sales 2 Commercial & Business Banking
Tatang Tabroni Business Banking 1 Commercial & Business Banking
Agus Fuad Business Banking 2 Commercial & Business Banking
C. Paul Tehusijarana WTB Solutions Commercial & Business Banking
Heri Gunardi Jakarta Network Micro & Retail Banking
Marwan Budiarsyah Regional Network Micro & Retail Banking
Riza Zulkifli Mass Banking Micro & Retail Banking
Rico Usthavia Frans Electronic Banking Micro & Retail Banking
Nixon L.P. Napitupulu Micro Network Development Micro & Retail Banking
Tardi Micro Business Development Micro & Retail Banking
Inkawan D. Jusi Wealth Management Micro & Retail Banking
Handayani Consumer Card Consumer Finance
Sarastri Baskoro Consumer Loans Consumer Finance
Suresh Gummalam IT Business Solutions & Applications Technology & Operations
O.C. Harry Pudjiatmoko IT Operations Technology & Operations
Chrisna Pranoto Credit Operations Technology & Operations
Herry Rukmana Central Operations Technology & Operations
Raizal Munir Electronic Channel Operations Technology & Operations
Mohammad Guntur IT Planning, Arch. & Business Continuity Plan Technology & Operations
Basu Vitri Manugrahani Customer Care & Services Technology & Operations
Panji Irawan Treasury Treasury, FI & Special Asset Management
Didiek Hartantyo FI Coverage & Solutions Treasury, FI & Special Asset Management
Agus Sudiarto Special Asset Management Treasury, FI & Special Asset Management
Mustaslimah Procurement & Fixed Assets Treasury, FI & Special Asset Management
Himawan E. Subiantoro Compliance Compliance & Human Capital
Ridzki Juniadi Human Capital Services Compliance & Human Capital
Sanjay Bharwani Human Capital Strategy & Policy Compliance & Human Capital
I Nengah Rentaya Learning Center Compliance & Human Capital
M. Arifin Firdaus Legal Compliance & Human Capital
Bambang Ari Prasodjo Culture & Service Specialist Compliance & Human Capital
Agus Dwi Handaya Strategy & Performance Finance & Strategy
Haryanto Sukandar Accounting Finance & Strategy
Sukoriyanto Saputro Corporate Secretary Finance & Strategy
Setyowati Policy, System, & Procedure Finance & Strategy
Lisana Irianiwati Market & Operational Risk Risk Management
Tedi Nurhikmat Credit Risk & Portfolio Management Risk Management
Sulaeman Corporate Risk 1 Risk Management
Henry Sihotang Corporate Risk 2 Risk Management
Kartini Sally Commercial Risk Risk Management
Santaputra Pita Consumer Risk Risk Management
E. Wiseto Baroto Retail Risk Risk Management
Titiek Setiyowati Wholesale Banking Audit Internal Audit
Hidayat Prabowo Retail & Corporate Center Audit Internal Audit
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
299
![Page 298: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/298.jpg)
GROUP HEADS
INSTITUTIONAL BANKING
JIANTOK HARDJIMAN | Institutional Banking I Group
MANGKOE SASMITO | Institutional Banking II Group
CORPORATE BANKING
BAMBANG SETYOGROHO | Corporate Banking I Group
SUPRIYUSMAN | Corporate Banking II Group
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
300
![Page 299: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/299.jpg)
RAFJON YAHYA | Corporate Banking Agro Based Group
ALEXANDRA ASKANDAR | Syndicated & Structured Finance GroupELISABETH R.T. SIAHAAN | Corporate Banking III Group
RAHMA N. HARDI | Corporate Transaction Banking Sales Group
GR
OU
P H
EA
DS
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
301
![Page 300: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/300.jpg)
commercial & business banKinG
royKe tumilaar | Jakarta Commecial Sales Group
Earned his Bachelor of Management Economics
Degree from Trisakti University in 1987 and
obtained his Master of Business Finance Degree
from the University of Technology, Sydney, in
1999.
He came to Bank Mandiri in 1999 through the
legacy Bank Dagang Negara (BDN), where his
last position was as a member of the Professional
Team for Loan Settlement in Jakarta..
In 2007, he was appointed Group Head Regional
Commercial Sales 1, where he stayed until May
2010, in which month he was promoted to Group
Head Jakarta Commercial Sales, a position which
he continues to hold to date. In August 2009, he
was also appointed a commissioner of Mandiri
Sekuritas.
santoso budi riyanto | Regional Commercial Sales II Group
Graduated from General Sudirman University in 1981
with a Bachelor of Economics Degree, majoring
in Business Economics, and obtained his Master’s
Degree in Management from the Satyagama
University, Jakarta, in 1997.
He joined Bank Mandiri in 1999 via Bank Dagang
Negara (BDN), where his last position was Branch
Head.
After moving to Bank Mandiri, he served in a variety
of positions up to 2007, including Hub Manager, CBC
Manager, and Regional Manager.
In 2007, he was appointed Group Head Regional
Commercial Sales 2 Group, a position which he
continues to hold to date.
tatanG tabroni | Business Banking I Group
Graduated with a bachelor’s degree from the
Bogor Institute of Agriculture in 1987 and a master
of marketing degree from Gadjah Mada University
in Yogyakarta in 1997.
He joined Bank Mandiri in 1999 via Bank Ekspor
Impor Indonesia (BankExim), where he last served
as a member of the management team in the
Banda Aceh branch. In 2006, he was appointed
Credit Termination Officer (PKMK) in Commercial
Risk I Group, where he remained until May 2010.
In June 2010, he was promoted to Group Head
Business Banking I, where he continued to serve as
of 31 December 2010.
group headS
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
aquarius rudianto | Regional Commecial Sales I Group
Graduated with a bachelor’s degree in FISIP from
Padjajaran University in 1990.
He commenced his carrier at PT Bank Ekspor
Impor Indonesia. For the last four years he
successively served as Bank Mandiri’s Commercial
Banking Center Manager in Banjarmasin and
Medan.
He was appointed Group Head Regional
Commercial Sales 1 Group on 1 July 2010, a
position that he continues to hold to date.
302
![Page 301: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/301.jpg)
c. Paul teHusiJarana | WTB Solution Group
Earned his Masters of Business Administration
(MBA ) degree from the University of Southern
California, Los Angeles , USA, in 1998.
He came to Bank Mandiri in 1999 via Bank Dagang
Negara (BDN), where his last position was
Treasury Manager in the Los Angeles office.
Since joining Bank Mandiri, he has served in a
variety of positions, including as Group Head
Compliance Group between 1999 and 2003, and
Group Head Treasury Group between 2003 and
2005.
In 2006, he was appointed Group Head Product
Management Group, which in 2009 became the
Wholesale Transaction Banking Solution Group, of
which he continues to be Head.
aGus fuad | Business Banking II Group
Graduated with a bachelor of education degree
from STIE Indonesia in 1994, and a master of
marketing degree from Airlangga University in
1999.
He came to Bank Mandiri in 1999 via Bank
Pembangunan Indonesia (Bapindo), where he
last served as Head of the Madya Branch in
Banjarmasin. In 2006, he was appointed Manager
Region X Makassar, where he served until 2009.
In January 2010, he was promoted to Group Head
Business Banking II, a position which he continues
to hold to date.
Heri Gunardi | Jakarta Network Group
Graduated with a Master of Science degree in
Finance and Accounting from the Graduate School of
Management, University of Oregon, USA, in 1991.
He joined Bank Mandiri in 1999 via Bank
Pembangunan Indonesia (Bapindo) where his
final position was Head of Fixed Income and Bond
Syndication Sub-Department.
In 2003, he was appointed a director of AXA
Mandiri Financial Services, and in January 2006
was promoted to Group Head Wealth Management
at PT Bank Mandiri (Persero) Tbk, and to Chief
Commissioner of AXA Mandiri Financial Services.
In January 2009, he was appointed Group Head of
Jakarta Network, and as Chief Commissioner of PT
Mandiri Manajemen Investasi, which positions he
continues to hold to date.
micro & retail banKinG
marWan budiarsyaH | Regional Network Group
Graduated from Gadjah Mada University –
Yogyakarta in 1980.
He joined Bank Mandiri in 1999 via Bank Ekspor
Impor Indonesia (BankExim) where his last position
was Branch Manager.
In 2006, he was appointed as Group Head of
Regional Network Group, a position which he
continues to hold to date.
Gr
ou
P H
ea
ds
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
303
![Page 302: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/302.jpg)
RIZA ZULKIFLI | Mass Banking Group
RICO USTHAVIA FRANS | Electronic Banking Group
NIXON LP NAPITUPULU | Micro Network Development Group
TARDI | Micro Business Development Group
GROUP HEADS
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
304
![Page 303: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/303.jpg)
INKAWAN D. JUSI | Wealth Management Group
CONSUMER FINANCE
HANDAYANI | Consumer Cards Group
SARASTRI BASKORO | Consumer Loans Group
GR
OU
P H
EA
DS
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
305
![Page 304: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/304.jpg)
O.C. HARRY PUDJIATMOKO | IT Operations Group
TECHNOLOGY & OPERATIONS
SURESH GUMMALAM | IT Business Solutions & App. Services Group CHRISNA PRANOTO | Credit Operations Group
HERRY RUKMANA | Central Operations Group
GROUP HEADS
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
306
![Page 305: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/305.jpg)
RAIZAL MUNIR | Electronic Channel Operations Group
MOHAMMAD GUNTUR | IT Planning, Policies, Procedures & Arch. Group
BASU VITRI MANUGRAHANI | Customer Care & Services Group
GR
OU
P H
EA
DS
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
307
![Page 306: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/306.jpg)
PANJI IRAWAN | Treasury Group
TREASURY, FI & SPECIAL ASSET MANAGEMENT
DIDIEK HARTANTYO | Financial Institutions Coverage & Solutions Group
AGUS SUDIARTO | Special Asset Management Group
MUSTASLIMAH | Procurement & Fixed Assets Group
GROUP HEADS
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
308
![Page 307: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/307.jpg)
RIDZKI JUNIADI | Human Capital Services Group
COMPLIANCE & HUMAN CAPITAL
HIMAWAN E. SUBIANTORO | Compliance Group SANJAY N. BHARWANI | Human Capital Strategy & Policy Group
I NENGAH RENTAYA | Learning Center Group
GR
OU
P H
EA
DS
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
309
![Page 308: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/308.jpg)
M. ARIFIN FIRDAUS | Legal Group
BAMBANG ARI PRASODJO | Culture Specialist Group
FINANCE & STRATEGY
AGUS DWI HANDAYA | Strategy & Performance Group
HARYANTO SUKANDAR | Accounting Group
GROUP HEADS
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
310
![Page 309: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/309.jpg)
SUKORIYANTO SAPUTRO | Corporate Secretary Group
SETYOWATI | Policy, System & Procedure Group
RISK MANAGEMENT
LISANA IRIANIWATI | Market & Operational Risk Group
TEDI NURHIKMAT | Credit Risk & Portfolio Management Group
GR
OU
P H
EA
DS
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
311
![Page 310: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/310.jpg)
SULAEMAN | Corporate Risk I Group
HENRY SIHOTANG | Corporate Risk II Group
SANTAPUTRA PITA | Consumer Risk Group
KARTINI SALLY | Commercial Risk Group
GROUP HEADS
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
312
![Page 311: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/311.jpg)
E. WISETO BAROTO | Retail Risk Group
INTERNAL AUDIT
TITIEK SETIYOWATI | Wholesale & Corporate Centre Audit Group
HIDAYAT PRABOWO | Retail Audit Group
GR
OU
P H
EA
DS
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
313
![Page 312: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/312.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
314
![Page 313: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/313.jpg)
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
315
LIST OF BRANCHES• OVERSEAS BRANCHES/ SUBSIDIARIES REPRESENTATIVE OFFICE• BANK MANDIRI BRANCHES NETWORK• COMMERCIAL BANKING CENTERS• BUSINESS BANKING CENTERS• MICRO BUSINESS UNIT• MANDIRI MICRO UNIT
![Page 314: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/314.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
316
![Page 315: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/315.jpg)
OV
ER
SE
AS
BR
AN
CH
ES
/SU
BS
IDIA
RIE
S R
EP
RE
SE
NTA
TIV
E O
FF
ICE
S
OVERSEAS BRANCHES/SUBSIDIARIES REPRESENTATIVE OFFICES
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
317
![Page 316: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/316.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
318
BANK MANDIRI BRANCH NETWORK
![Page 317: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/317.jpg)
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
reamB
AN
K M
AN
DIR
I BR
AN
CH
NE
TW
OR
K
319
![Page 318: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/318.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
BANK MANDIRI BRANCH NETWORK
320
![Page 319: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/319.jpg)
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
reamB
AN
K M
AN
DIR
I BR
AN
CH
NE
TW
OR
K
321
![Page 320: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/320.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
BANK MANDIRI BRANCH NETWORK
322
![Page 321: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/321.jpg)
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
reamB
AN
K M
AN
DIR
I BR
AN
CH
NE
TW
OR
K
323
![Page 322: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/322.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
BANK MANDIRI BRANCH NETWORK
324
![Page 323: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/323.jpg)
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
325
BA
NK
MA
ND
IRI B
RA
NC
H N
ET
WO
RK
![Page 324: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/324.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
BANK MANDIRI BRANCH NETWORK
326
![Page 325: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/325.jpg)
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
reamB
AN
K M
AN
DIR
I BR
AN
CH
NE
TW
OR
K
327
![Page 326: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/326.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
BANK MANDIRI BRANCH NETWORK
328
![Page 327: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/327.jpg)
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
reamB
AN
K M
AN
DIR
I BR
AN
CH
NE
TW
OR
K
329
![Page 328: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/328.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
BANK MANDIRI BRANCH NETWORK
330
![Page 329: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/329.jpg)
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
reamB
AN
K M
AN
DIR
I BR
AN
CH
NE
TW
OR
K
331
![Page 330: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/330.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
BANK MANDIRI BRANCH NETWORK
332
![Page 331: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/331.jpg)
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
reamB
AN
K M
AN
DIR
I BR
AN
CH
NE
TW
OR
K
333
![Page 332: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/332.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
BANK MANDIRI BRANCH NETWORK
334
![Page 333: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/333.jpg)
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
reamB
AN
K M
AN
DIR
I BR
AN
CH
NE
TW
OR
K
335
![Page 334: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/334.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
BANK MANDIRI BRANCH NETWORK
336
![Page 335: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/335.jpg)
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
reamB
AN
K M
AN
DIR
I BR
AN
CH
NE
TW
OR
K
337
![Page 336: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/336.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
BANK MANDIRI BRANCH NETWORK
338
![Page 337: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/337.jpg)
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
reamB
AN
K M
AN
DIR
I BR
AN
CH
NE
TW
OR
K
339
![Page 338: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/338.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
BANK MANDIRI BRANCH NETWORK
340
![Page 339: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/339.jpg)
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
reamB
AN
K M
AN
DIR
I BR
AN
CH
NE
TW
OR
K
341
![Page 340: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/340.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
BANK MANDIRI BRANCH NETWORK
342
![Page 341: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/341.jpg)
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
reamB
AN
K M
AN
DIR
I BR
AN
CH
NE
TW
OR
K
343
![Page 342: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/342.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
BANK MANDIRI BRANCH NETWORK
344
![Page 343: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/343.jpg)
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
reamB
AN
K M
AN
DIR
I BR
AN
CH
NE
TW
OR
K
345
![Page 344: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/344.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
BANK MANDIRI BRANCH NETWORK
346
![Page 345: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/345.jpg)
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
reamB
AN
K M
AN
DIR
I BR
AN
CH
NE
TW
OR
K
347
![Page 346: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/346.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
BANK MANDIRI BRANCH NETWORK
348
![Page 347: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/347.jpg)
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
reamB
AN
K M
AN
DIR
I BR
AN
CH
NE
TW
OR
K
349
![Page 348: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/348.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
BANK MANDIRI BRANCH NETWORK
350
![Page 349: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/349.jpg)
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
reamB
AN
K M
AN
DIR
I BR
AN
CH
NE
TW
OR
K
351
![Page 350: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/350.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
BANK MANDIRI BRANCH NETWORK
352
![Page 351: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/351.jpg)
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
reamB
AN
K M
AN
DIR
I BR
AN
CH
NE
TW
OR
K
353
![Page 352: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/352.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
BANK MANDIRI BRANCH NETWORK
354
![Page 353: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/353.jpg)
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
LIST OF CBC
355
BA
NK
MA
ND
IRI B
RA
NC
H N
ET
WO
RK
/LIS
T O
F C
BC
![Page 354: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/354.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
LIST OF BBC
356
![Page 355: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/355.jpg)
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
reamL
IST
OF
BB
C/L
IST
OF
MB
U
LIST OF MBU
357
![Page 356: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/356.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
LIST OF MBU
358
![Page 357: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/357.jpg)
LIS
T O
F M
BU
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
359
![Page 358: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/358.jpg)
LIST OF MBU
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
360
![Page 359: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/359.jpg)
LIS
T O
F M
BU
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
361
![Page 360: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/360.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
LIST OF MBU
362
![Page 361: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/361.jpg)
LIS
T O
F M
BU
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
363
![Page 362: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/362.jpg)
LIST OF MBU
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
364
![Page 363: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/363.jpg)
LIS
T O
F M
BU
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
365
![Page 364: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/364.jpg)
LIST OF MBU
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
366
![Page 365: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/365.jpg)
LIS
T O
F M
BU
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
367
![Page 366: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/366.jpg)
LIST OF MBU
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
368
![Page 367: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/367.jpg)
LIS
T O
F M
BU
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
369
![Page 368: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/368.jpg)
LIST OF MBU
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
370
![Page 369: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/369.jpg)
LIS
T O
F M
BU
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
371
![Page 370: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/370.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
LIST OF MBU
372
![Page 371: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/371.jpg)
LIS
T O
F M
BU
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
373
![Page 372: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/372.jpg)
LIST OF MBU
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
374
![Page 373: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/373.jpg)
LIS
T O
F M
BU
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
375
![Page 374: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/374.jpg)
LIST OF MBU
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
376
![Page 375: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/375.jpg)
LIS
T O
F M
BU
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
377
![Page 376: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/376.jpg)
LIST OF MBU
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
378
![Page 377: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/377.jpg)
LIS
T O
F M
BU
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
379
![Page 378: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/378.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
LIST OF MBU
380
![Page 379: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/379.jpg)
LIS
T O
F M
BU
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
381
![Page 380: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/380.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
LIST OF MBU
382
![Page 381: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/381.jpg)
LIS
T O
F M
BU
/LIS
T O
F M
MU
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
LIST OF MMU
383
![Page 382: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/382.jpg)
LIST OF MMU
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
384
![Page 383: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/383.jpg)
LIS
T O
F M
MU
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
385
![Page 384: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/384.jpg)
LIST OF MMU
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
386
![Page 385: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/385.jpg)
LIS
T O
F M
MU
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
387
![Page 386: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/386.jpg)
LIST OF MMU
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
388
![Page 387: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/387.jpg)
LIST OF MBDC
LIS
T O
F M
MU
/LIS
T O
F M
BD
CA
nnual Report 20
10 P
T B
ank Mandiri (P
ersero) Tbk. | B
uilding Your Dream
389
![Page 388: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/388.jpg)
STATEMENT OF THE BOARD OF COMMISSIONERS
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
390
![Page 389: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/389.jpg)
DA
FTA
R C
AB
AN
G B
AN
K M
AN
DIR
I, BB
C
STATEMENT OF THE BOARD OFDIRECTORS
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
391
![Page 390: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/390.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
392
14 11
10
3 7
6 2
5 8
1 9
12 4
15 13
Directors &
EVP Coordinators
January – May 2010
![Page 391: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/391.jpg)
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
393
PT Bank Mandiri (Persero) Tbk.Plaza MandiriJl. Jend. Gatot Subroto Kav. 36-38Jakarta 12190, IndonesiaTel. (62-21) 526 5045, 526 5095Fax. (62-21) 527 4477, 527 5577www.bankmandiri.co.id
![Page 392: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/392.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
394
![Page 393: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/393.jpg)
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
395
BAPEPAM – LKCROSS REFERENCE
![Page 394: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/394.jpg)
BAPEPAM – LK CROSS REFERENCE
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
✓
✓
✓
✓
396
![Page 395: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/395.jpg)
BA
PE
PA
M –
LK
CR
OS
S R
EF
ER
EN
CE
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
ream
397
![Page 396: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/396.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
BAPEPAM – LK CROSS REFERENCE
398
![Page 397: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/397.jpg)
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
reamB
AP
EP
AM
– L
K C
RO
SS
RE
FE
RE
NC
E
399
![Page 398: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/398.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
BAPEPAM – LK CROSS REFERENCE
400
![Page 399: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/399.jpg)
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
reamB
AP
EP
AM
– L
K C
RO
SS
RE
FE
RE
NC
E
401
![Page 400: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/400.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
✓
✓
✓
BAPEPAM – LK CROSS REFERENCE
402
![Page 401: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/401.jpg)
Annual R
eport 2010
PT
Bank M
andiri (Persero) T
bk. | Building Your D
reamB
AP
EP
AM
– L
K C
RO
SS
RE
FE
RE
NC
E
403
![Page 402: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/402.jpg)
Ann
ual
Rep
ort
2010
P
T B
ank
Man
diri
(P
erse
ro)
Tbk
. | B
uild
ing
Your
Dre
am
404
SUBSIDIARIES
![Page 403: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/403.jpg)
STRATEGIC BUSINESS UNIT (BANK ONLY)
![Page 404: BUILDING YOUR DREAM](https://reader034.fdocuments.net/reader034/viewer/2022051521/586773b41a28ab01578b6555/html5/thumbnails/404.jpg)