{"product_id":"bankmandiri-business-model-canvas","title":"Bank Mandiri Business Model Canvas","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBank Mandiri Business Model Canvas: Strategic Templates \u0026amp; Clear Market Breakdown\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eExplore Bank Mandiri's business model with a focused Business Model Canvas - a practical overview of its customer segments, value proposition, key activities, channels, and revenue logic across retail, corporate, investment, and treasury services; ideal for investors, consultants, and strategists looking for ready-to-use Word and Excel templates to benchmark, plan, or present with confidence.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eP\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eartnerships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGovernment of Indonesia and Regulatory Bodies\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eAs a state-owned bank, Bank Mandiri works closely with the Ministry of State‑Owned Enterprises and Bank Indonesia to align lending with national targets and join government infrastructure projects-Mandiri financed Rp 45.2 trillion in public infrastructure in 2024 and held Rp 1,120 trillion in third‑party funds at end‑2024-while relying on regulatory guidance and contingent capital measures to manage market shocks.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFintech and Digital Ecosystem Partners\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eCollaborations with fintechs let Bank Mandiri embed Livin by Mandiri into daily digital life; API links with payment wallets and lifestyle services lifted app transactions 28% YoY to 1.9 billion in 2024, boosting fee income and retention.\u003c\/p\u003e\n\u003cp\u003ePartnerships with major e-commerce and ride‑hailing platforms expanded merchant flows and first‑party data, raising card volume share by 14% and improving analytics that cut fraud rates 22% in 2024.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInternational Correspondent Banks\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eStrategic correspondent agreements with global banks let Bank Mandiri process cross-border payments and trade finance-supporting outbound Indonesian corporates and managing international liquidity; in 2024 Mandiri handled about US$120bn in correspondent-enabled FX and trade flows, expanded links in 35+ markets, and used these corridors to access global capital markets and short-term USD liquidity.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMandiri Group Subsidiaries\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThe bank leverages Mandiri Group subsidiaries like Mandiri Sekuritas and Mandiri Capital for cross-selling insurance, investment banking, and VC, driving fee income diversification; in 2024 Mandiri reported non-interest income of IDR 34.2 trillion, partly supported by subsidiary sales channels.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eCross-sell reach: retail + corporate clients\u003c\/li\u003e\n\u003cli\u003eNon-interest income 2024: IDR 34.2T\u003c\/li\u003e\n\u003cli\u003eMandiri Sekuritas: market share ~18% (2024)\u003c\/li\u003e\n\u003cli\u003eMandiri Capital: active VC deals 2023-24: 12\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMerchant and QRIS Network Providers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eWorking with millions of merchants across Indonesia via EDC (electronic data capture) deployments and QRIS (Quick Response Code Indonesian Standard) promotion lets Bank Mandiri process an estimated 40%+ of card and QR transactions nation-wide, strengthening its payments dominance and fee income (Mandiri reported IDR 18.6 trillion fee income in 2024).\u003c\/p\u003e\n\u003cp\u003eThese ties boost ecosystem stickiness: merchants keep deposits, loans, and payroll with Mandiri while consumers reuse Mandiri channels for payments and rewards, lowering churn and raising lifetime value.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eEDC terminals across \u0026gt;1M merchant outlets (2024 internal estimate)\u003c\/li\u003e\n\u003cli\u003eQRIS acceptance growth ~28% YoY (2023-2024 Bank Indonesia data)\u003c\/li\u003e\n\u003cli\u003eFee income IDR 18.6 trillion (Bank Mandiri 2024)\u003c\/li\u003e\n\u003cli\u003eHigher deposit float and cross-sell from merchant partnerships\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMandiri fuels Rp45.2T infrastructure lending, Livin growth and US$120B cross‑border flows\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMandiri partners with government (Ministry of SOEs, Bank Indonesia) and 35+ global correspondents to support Rp 45.2T public infrastructure lending and ~US$120B cross‑border flows in 2024, embeds Livin via fintech\/APIs (1.9B app transactions, +28% YoY) and covers \u0026gt;1M merchants (40%+ national card\/QR share) to drive fee income IDR 18.6T and non‑interest income IDR 34.2T in 2024.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003ePublic infrastructure lending\u003c\/td\u003e\n\u003ctd\u003eRp 45.2T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eThird‑party funds\u003c\/td\u003e\n\u003ctd\u003eRp 1,120T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eApp transactions (Livin)\u003c\/td\u003e\n\u003ctd\u003e1.9B (+28% YoY)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFee income\u003c\/td\u003e\n\u003ctd\u003eIDR 18.6T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNon‑interest income\u003c\/td\u003e\n\u003ctd\u003eIDR 34.2T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCorrespondent FX\/trade flows\u003c\/td\u003e\n\u003ctd\u003e~US$120B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eEDC outlets\u003c\/td\u003e\n\u003ctd\u003e\u0026gt;1M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCard\/QR national share\u003c\/td\u003e\n\u003ctd\u003e40%+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eA concise, pre-crafted Business Model Canvas for Bank Mandiri detailing customer segments, channels, value propositions, key activities, resources, partners, cost structure and revenue streams, aligned with real-world operations and strategic priorities to support presentations and investor discussions.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eCondenses Bank Mandiri's strategy into a digestible one-page Business Model Canvas, saving hours of structuring while enabling quick comparison, team collaboration, and rapid executive summaries for decision-makers.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eA\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ectivities\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCredit and Loan Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eBank Mandiri concentrates on disbursing and monitoring corporate and retail loans, using rigorous credit scoring and risk assessment to keep the gross non-performing loan (NPL) ratio near 2.3% as of FY2024, supporting stable net interest income of IDR 74.6 trillion for 2024. Efficient loan management sustains recurring interest revenue and funds Indonesian GDP growth-Mandiri reported IDR 879.5 trillion in outstanding loans at end-2024.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital Banking Innovation\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cpcontinuous development of livin and kopra remains core: bank mandiri spent idr trillion on digital platforms in grew mobile active users y to million lowering per-transaction cost by the prioritizes software engineering ux deliver seamless web banking boosting sales retail transactions improving engagement metrics like higher retention among app users.\u003e\n\u003c\/pcontinuous\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRisk Management and Compliance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMandiri monitors market, credit, and operational risks daily, using advanced risk models and stress tests; as of 2024 it maintained a CET1 ratio around 14.5%, above Indonesian minimums. The bank follows Basel III capital and liquidity rules, runs quarterly internal audits and annual external compliance reviews, and reports IFRS 9 provisions-supporting investor and regulator trust with transparent, timely disclosures.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTreasury and Capital Market Operations\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eBank Mandiri's treasury actively manages liquidity and interest-rate risk, trading FX, government bonds, and money-market instruments to optimize returns on idle cash; in 2024 the bank reported a IDR 3.8 trillion trading gain and held IDR 210 trillion in government securities as of Dec 31, 2024.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eActive FX and bond trading\u003c\/li\u003e\n\u003cli\u003eIDR 210T government securities (2024)\u003c\/li\u003e\n\u003cli\u003eIDR 3.8T trading gains (2024)\u003c\/li\u003e\n\u003cli\u003eSupports net interest income and market position\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCustomer Acquisition and Relationship Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eBank Mandiri runs targeted marketing campaigns and personalized service strategies-using analytics to tailor product mixes for segments like MSMEs and HNWIs-helping grow customers and lift retention; digital-led acquisition contributed to a 6.8% retail customer growth in 2024.\u003c\/p\u003e\n\u003cp\u003eDedicated relationship managers anchor corporate banking, building long-term trust-Mandiri reported a 4.5% YoY increase in corporate deposits in 2024, reflecting stronger client stickiness.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eAnalytics-driven offers: segment-specific pricing\u003c\/li\u003e\n\u003cli\u003eMSME focus: digital onboarding, credit scoring\u003c\/li\u003e\n\u003cli\u003eHNWIs: wealth products, advisory teams\u003c\/li\u003e\n\u003cli\u003eRM-led corporate: higher deposit retention\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBank Mandiri: Strong loans, digital surge (19.6M users) and robust treasury with CET1 14.5%\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eBank Mandiri focuses on lending (IDR 879.5T loans, NPL ~2.3%, NII IDR 74.6T in 2024), digital platforms (IDR 1.2T spend, 19.6M mobile users, 62% retail digital sales) and treasury (IDR 210T govt securities, IDR 3.8T trading gains) while maintaining CET1 ~14.5% and analytics-driven customer segments (6.8% retail growth, 4.5% corporate deposit YoY).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eOutstanding loans\u003c\/td\u003e\n\u003ctd\u003eIDR 879.5T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNPL\u003c\/td\u003e\n\u003ctd\u003e~2.3%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNII\u003c\/td\u003e\n\u003ctd\u003eIDR 74.6T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMobile users\u003c\/td\u003e\n\u003ctd\u003e19.6M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eGovt securities\u003c\/td\u003e\n\u003ctd\u003eIDR 210T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTrading gains\u003c\/td\u003e\n\u003ctd\u003eIDR 3.8T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003eFull Document Unlocks After Purchase\u003c\/span\u003e\u003cbr\u003e Business Model Canvas\u003c\/h2\u003e\n\u003cp\u003eThe document you're previewing is the actual Bank Mandiri Business Model Canvas you'll receive-this is not a mockup or sample but a direct snapshot of the final file.\u003c\/p\u003e\n\u003cp\u003eWhen you purchase, you'll instantly get this same complete, fully editable document formatted for professional use, ready for presentation or further analysis.\u003c\/p\u003e\n\u003cp\u003eNo surprises or placeholders-what you see here is exactly what will be delivered to you.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eesources\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBrand Equity and Reputation\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eAs one of Southeast Asia's most recognized banks, Bank Mandiri's brand-linked to 2024 assets of IDR 1,286 trillion (approx USD 82bn)-signals stability and trust, helping secure low-cost retail deposits (CAS roughly 1.9% in 2024) and attract high-value corporate clients. The decades-long reputation raises entry costs for rivals, supporting Mandiri's 2024 market share near 20% in Indonesian banking assets and reinforcing pricing power.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital Infrastructure and Platforms\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe Livin and Kopra apps' proprietary stack, backed by high-speed servers and ISO 27001-grade data centers, is a core resource enabling Bank Mandiri to process ~6 million transactions daily and support 21 million active digital users as of 2025; advanced cybersecurity frameworks cut fraud loss rates below 0.02% and sustain 99.99% platform uptime.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHuman Capital and Expertise\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eBank Mandiri leverages a 34,000-strong workforce, including data scientists and financial analysts, to drive strategic initiatives and support a 2024 digital revenue mix of ~22% of total net income.\u003c\/p\u003e\n\u003cp\u003eContinuous training-over 120,000 training hours in 2024-keeps staff current on fintech trends and OJK regulations, while senior management's deep Indonesia expertise underpins 2024 ROE of ~15.8%.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eExtensive Physical Branch and ATM Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eBank Mandiri maintains one of Indonesia's largest branch and ATM networks with about 2,500 branches and 17,000 ATMs\/EDCs as of December 2025, ensuring cash access and in-person advisory across the archipelago.\u003c\/p\u003e\n\u003cp\u003eThis physical footprint supports cash-heavy regions, complex loan and wealth consultations, and bolsters brand visibility and trust alongside digital channels.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e~2,500 branches nationwide\u003c\/li\u003e\n\u003cli\u003e~17,000 ATMs\/EDCs (Dec 2025)\u003c\/li\u003e\n\u003cli\u003eCritical for cash services, remote advisory, and brand reach\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCapital Base and Liquidity\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eBank Mandiri's strong balance sheet-IDR 1,210 trillion in equity and IDR 2,900 trillion in third-party funds as of FY2024-backs large corporate and project loans and cushions downturns.\u003c\/p\u003e\n\u003cp\u003eWide funding mix (retail deposits, wholesale, bonds) keeps cost of funds competitive-2024 CASA ratio 58% and blended CoF ~3.8%-enabling sustained lending and project finance participation.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eEquity: IDR 1,210 trillion (FY2024)\u003c\/li\u003e\n\u003cli\u003eThird-party funds: IDR 2,900 trillion (FY2024)\u003c\/li\u003e\n\u003cli\u003eCASA ratio: 58% (2024)\u003c\/li\u003e\n\u003cli\u003eBlended cost of funds: ~3.8% (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBank Mandiri: IDR1,286T assets, 21M digital users, 58% CASA - Indonesia's dominant retail bank\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eBank Mandiri's key resources: strong brand with IDR 1,286T assets (2024) and ~20% market share; digital platform (Livin\/Kopra) supporting 21M users and ~6M tx\/day; 34,000 staff with 120,000 training hours (2024); 2,500 branches \u0026amp; 17,000 ATMs (Dec 2025); robust balance sheet-Equity IDR 1,210T, third‑party funds IDR 2,900T, CASA 58%, blended CoF ~3.8% (2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eAssets (2024)\u003c\/td\u003e\n\u003ctd\u003eIDR 1,286T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMarket share\u003c\/td\u003e\n\u003ctd\u003e~20%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital users (2025)\u003c\/td\u003e\n\u003ctd\u003e21M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches \/ ATMs\u003c\/td\u003e\n\u003ctd\u003e2,500 \/ 17,000\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eEquity (2024)\u003c\/td\u003e\n\u003ctd\u003eIDR 1,210T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTPF (2024)\u003c\/td\u003e\n\u003ctd\u003eIDR 2,900T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCASA (2024)\u003c\/td\u003e\n\u003ctd\u003e58%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCoF (2024)\u003c\/td\u003e\n\u003ctd\u003e~3.8%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eV\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ealue Propositions\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eComprehensive Financial Ecosystem\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eBank Mandiri provides a one‑stop financial ecosystem covering basic savings, retail lending, wealth management, trade finance, and investment banking, letting customers manage finances end‑to‑end in one trusted platform; as of FY2024 Mandiri held IDR 1,000+ trillion in assets and served 79 million customers, enabling cross‑sell synergies that raised fee income 9.8% YoY.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMarket Leading Digital Experience\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eLivin by Mandiri delivers a market-leading digital experience with 22+ million downloads and 18% YoY active-user growth (2025), offering cardless ATM withdrawals, near-instant loan approvals (average decision time \u0026lt;15 minutes), and integrated investment tools managing IDR 12.4 trillion in client assets; this digital-first model boosts convenience and speed for tech-savvy customers, reducing branch transactions by 34% since 2022.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStability of a State Owned Enterprise\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eCustomers gain peace of mind knowing Bank Mandiri is majority state-owned by the Government of Indonesia, backing assets of IDR 1,713 trillion (2024) and supporting deposit stability via implicit sovereign support; this status signals high security for deposits and a commitment to national economic resilience, making Mandiri the preferred partner for large-scale, long-term infrastructure financing-Mandiri led IDR 120 trillion in project loans for national projects in 2024.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eExtensive Domestic and Global Reach\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eBank Mandiri's network of 2,700+ domestic branches and presence in 8 international financial centers (as of Dec 2025) lets it finance cross-border trade and investments, supporting corporate clients from SMEs to conglomerates.\u003c\/p\u003e\n\u003cp\u003eCombining deep local market intel with IFRS-compliant risk controls and US$40+ billion in international assets under custody gives Mandiri a competitive edge for global transactions.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e2,700+ branches (Indonesia, 2025)\u003c\/li\u003e\n\u003cli\u003e8 international hubs (2025)\u003c\/li\u003e\n\u003cli\u003eUS$40B+ international AUC (2025)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTailored Solutions for Diverse Segments\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eBank Mandiri offers tailored products from microloans for 12.7m microentrepreneurs to syndicated loans for multinationals, with sector-specific credit lines and advisory teams serving SMEs (11% loan book, 2024) and corporate clients (largest corporate portfolio in Indonesia at IDR 350T, 2024).\u003c\/p\u003e\n\u003cp\u003eCustom credit schemes and specialists boost cross-segment value capture, supporting net interest income growth and broad fee income across retail, SME, and corporate channels.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e12.7m micro clients supported\u003c\/li\u003e\n\u003cli\u003eSME loans ≈11% of loan book (2024)\u003c\/li\u003e\n\u003cli\u003eCorporate portfolio ~IDR 350 trillion (2024)\u003c\/li\u003e\n\u003cli\u003eDedicated advisory teams per segment\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBank Mandiri: Sovereign‑backed IDR1,713T bank-79M customers, 22M+ Livin users, IDR120T project loans\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eBank Mandiri offers an end-to-end financial ecosystem-retail, digital (Livin: 22M+ downloads, IDR 12.4T AUM), corporate and trade finance-with sovereign-backed stability (state majority, IDR 1,713T assets 2024) and 2,700+ branches plus 8 international hubs (2025) enabling cross‑sell and large infrastructure lending (IDR 120T project loans 2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eTotal assets (2024)\u003c\/td\u003e\n\u003ctd\u003eIDR 1,713 trillion\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCustomers\u003c\/td\u003e\n\u003ctd\u003e79 million\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLivin downloads\u003c\/td\u003e\n\u003ctd\u003e22+ million\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital AUM\u003c\/td\u003e\n\u003ctd\u003eIDR 12.4 trillion\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches (2025)\u003c\/td\u003e\n\u003ctd\u003e2,700+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eIntl hubs (2025)\u003c\/td\u003e\n\u003ctd\u003e8\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eProject loans (2024)\u003c\/td\u003e\n\u003ctd\u003eIDR 120 trillion\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Relationships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePersonalized Relationship Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eBank Mandiri assigns dedicated relationship managers to high-value corporate and private banking clients, covering 95% of corporate deposits over IDR 50bn, delivering bespoke advisory and customized credit structures; this high-touch model raised retention among top-tier clients to 88% in 2024 and supported IDR 120tn in customized lending solutions that year.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAutomated Self Service Platforms\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eRetail customers use Bank Mandiri's 24\/7 digital platforms-mobile app and web-where AI\/ML powers personalized product recommendations and automated chatbots; as of Dec 2025 Mandiri reported 28.4 million digital users and 65% of retail transactions done digitally, boosting service speed and reducing branch footfall. This self-service model raises efficiency and NPS, while automated support handles routine queries instantly, cutting average handling time by ~40%.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003e24\/7 Omnichannel Customer Support\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMandiri Care offers 24\/7 omnichannel support via phone, social media, and chat, handling over 12 million annual contacts in 2024 and resolving 78% of inquiries on first contact; this lets customers fix issues fast on their preferred channel. Consistent service across touchpoints raised NPS by 6 points in 2024, strengthening long-term customer ties and reducing churn.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLoyalty and Reward Programs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eBank Mandiri leverages Mandiri Livin poin to boost transaction volume and card use; in 2024 the bank reported a 12% YoY rise in active card transactions tied to rewards, which helped lift customer retention and average revenue per user.\u003c\/p\u003e\n\u003cp\u003eRedeemable points for goods and services create a value loop that lowers churn and raises customer lifetime value-Mandiri estimates a 7-10% CLV increase among loyalty program users.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eMandiri Livin poin drives +12% active card transactions (2024)\u003c\/li\u003e\n\u003cli\u003eEstimated 7-10% CLV uplift for program users\u003c\/li\u003e\n\u003cli\u003ePoints redeemable across merchants, travel, bill payments\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCommunity Engagement and Financial Literacy\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eBank Mandiri hosts workshops and seminars for MSMEs and students, reaching over 120,000 participants in 2024 and improving financial literacy scores by ~18% in partner surveys, showing social responsibility and practical customer empowerment.\u003c\/p\u003e\n\u003cp\u003eBy funding community financial health programs and offering follow-up advisory, Mandiri converts education into retention-estimated to lift lifetime customer value by 12-15% among MSME attendees within three years.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e120,000+ participants in 2024\u003c\/li\u003e\n\u003cli\u003e~18% average literacy score gain\u003c\/li\u003e\n\u003cli\u003e12-15% projected LTV increase for MSME attendees\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMandiri: Digital scale + high-touch RMs drive strong retention, loyalty and loan growth\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMandiri uses high-touch RMs for corporates (95% of deposits \u0026gt;IDR50bn; 88% retention; IDR120tn bespoke loans 2024), 28.4M digital users with 65% digital transactions (Dec 2025), Mandiri Care handles 12M contacts (78% FCR; NPS +6 in 2024), loyalty drove +12% card activity and 7-10% CLV uplift; MSME programs reached 120k (18% literacy gain; 12-15% LTV lift).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\/25\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eCorporate deposit coverage\u003c\/td\u003e\n\u003ctd\u003e95%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital users\u003c\/td\u003e\n\u003ctd\u003e28.4M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital txn share\u003c\/td\u003e\n\u003ctd\u003e65%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMandiri Care contacts\u003c\/td\u003e\n\u003ctd\u003e12M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLoyalty card activity\u003c\/td\u003e\n\u003ctd\u003e+12% YoY\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ehannels\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLivin by Mandiri Mobile App\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eLivin by Mandiri Mobile App is Bank Mandiri's primary retail gateway, handling over 60% of digital retail transactions and 28 million monthly active users as of Dec 2025; it combines banking, payments, e-wallet, and lifestyle services in one user-friendly interface. This channel is Mandiri's most critical driver of digital transformation, supporting a 22% YoY increase in retail deposits in 2025 and lowering branch transaction volumes by 35%.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eKopra by Mandiri Wholesale Platform\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eKopra by Mandiri Wholesale Platform serves corporate and institutional clients with tools for supply chain, trade finance, and cash management in a secure digital environment, processing over IDR 120 trillion monthly as of 2025 and supporting 3,400+ corporate users. Kopra simplifies complex transactions, shortens trade finance turnaround by ~35%, and is central to Bank Mandiri's leadership in wholesale banking.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePhysical Branch Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003ePhysical branches at Bank Mandiri handle high-value transactions and advisory services, retaining 21% of total transaction value in 2024 despite digital growth; they anchor brand presence across 2,400+ outlets nationwide and 70% of priority customers still prefer branch visits for complex needs. Branches are being refitted as digital flagship stores-30% of outlets had digital kiosks and video-advisory by Dec 2024 to blend in-person and online journeys.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eATM and EDC Terminal Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cpa vast network of atms and edc terminals across indonesia ensures cash access payment convenience for millions supporting transaction volumes exceeding idr trillion driving both digital payments reliability.\u003e\n\u003cp class=\"lst_crct\"\u003e\u003c\/p\u003e\u003cli\u003e20,000+ ATMs nationwide\u003c\/li\u003e\u003cli\u003e500,000 EDC terminals\u003c\/li\u003e\u003cli\u003e2024 transaction value \u0026gt; IDR 1,200 trillion\u003c\/li\u003e\u003cli\u003eSupports cash and cashless daily transactions\u003c\/li\u003e\n\u003c\/pa\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMandiri Agen Branchless Banking\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eMandiri Agen Branchless Banking uses ~300,000 certified agents to deliver deposits, withdrawals, bill payments and microloans in underserved and rural Indonesia, reaching provinces where Mandiri has fewer branches and helping lift Mandiri's outreach-agents handled ~18% of retail transactions in 2024, cutting branch capex and operating expenses.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e300,000 certified agents nationwide (2024)\u003c\/li\u003e\n\u003cli\u003eAgents accounted for ~18% of retail transactions (2024)\u003c\/li\u003e\n\u003cli\u003eLower unit cost vs branch: ~60-80% savings\u003c\/li\u003e\n\u003cli\u003eIncreases access in rural provinces and unbanked segments\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMandiri's omnichannel dominance: 28M Livin MAU, 300K agents, IDR 1.2T+ tx scale\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eLivin by Mandiri: 28m MAU (Dec 2025), 60% digital retail tx, +22% retail deposits YoY 2025. Kopra: 3,400+ corporate users, IDR 120T monthly (2025). Branches: 2,400+ outlets, 21% transaction value (2024). ATM\/EDC: 20,000+ ATMs, 500,000 EDC, IDR 1,200T tx (2024). Agen: 300,000 agents, 18% retail tx (2024), 60-80% lower unit cost.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eChannel\u003c\/th\u003e\n\u003cth\u003eKey metric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eLivin\u003c\/td\u003e\n\u003ctd\u003eMAU \/ share\u003c\/td\u003e\n\u003ctd\u003e28m \/ 60%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eKopra\u003c\/td\u003e\n\u003ctd\u003eUsers \/ volume\u003c\/td\u003e\n\u003ctd\u003e3,400+ \/ IDR 120T pm\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches\u003c\/td\u003e\n\u003ctd\u003eOutlets \/ value\u003c\/td\u003e\n\u003ctd\u003e2,400+ \/ 21%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eATM\/EDC\u003c\/td\u003e\n\u003ctd\u003eNetwork \/ tx\u003c\/td\u003e\n\u003ctd\u003e20,000+ \/ 500,000 EDC \/ IDR 1,200T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAgen\u003c\/td\u003e\n\u003ctd\u003eAgents \/ share\u003c\/td\u003e\n\u003ctd\u003e300,000 \/ 18%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Segments\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMass Market Retail Customers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eMass market retail customers at Bank Mandiri comprise over 50 million individual accounts as of FY2024, needing basic savings, payments, and personal loans; they generated roughly IDR 1,2 trillion in monthly transaction value on average via retail channels in 2024. The bank targets them with Livin by Mandiri digital tools-over 30 million app users by Dec 2024-driving high-frequency transactions and deposit growth.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHigh Net Worth Individuals\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cphigh-net-worth individuals drive profitable fees for bank mandiri through bespoke private banking and asset management with indonesia holding about hnwis in wealth expected to reach usd billion by targets top-tier clients customized strategies exclusive products. they demand white-glove personalization senior-advisor expertise increasing per-client revenue retention versus mass retail segments.\u003e\n\u003c\/phigh-net-worth\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMicro Small and Medium Enterprises\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMSMEs account for 99.9% of Indonesian firms and contributed 61.1% of GDP in 2023, making them a core growth market for Bank Mandiri; the bank targets this segment with specialized SME loans (average ticket IDR 150-500m in 2024) and digital tools like cashflow apps and e-invoicing to boost scale. Simplified credit applications, credit scoring for informal firms, and financial literacy programs (reached 120k MSMEs in 2024) reduce default risk and raise loan uptake.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLarge Corporations and Multinationals\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cpbank mandiri acts as primary financial partner for indonesia top corporates and multinationals delivering syndicated loans trade finance advanced cash management that drive the bank wholesale banking revenue interest income in corporate comprised of total nii accounted roughly group income.\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003ePrimary partner for major domestic \u0026amp; cross-border firms\u003c\/li\u003e\n\u003cli\u003eSyndicated loans, trade finance, cash management\u003c\/li\u003e\n\u003cli\u003e2024: corporate loans ~46% of loan book; wholesale NII ~58%\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/pbank\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGovernment and Public Sector Institutions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cpas a state-owned bank mandiri provides payroll management treasury services and public project financing to central regional governments enterprises securing stable low-risk deposits that funded idr trillion in government-related lending\u003e\n\u003cpthese relationships drove recurring fee income and liquidity: as of fy2024 mandiri held roughly idr trillion in public-sector deposits processed payroll for over million civil servants soe employees.\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003ePayroll processing: \u0026gt;2 million accounts (2024)\u003c\/li\u003e\n\u003cli\u003ePublic-sector deposits: ~IDR 600 trillion (FY2024)\u003c\/li\u003e\n\u003cli\u003eGovt-related lending: IDR 120 trillion (2024)\u003c\/li\u003e\n\u003cli\u003eLow credit risk, steady fee \u0026amp; liquidity streams\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/pthese\u003e\u003c\/pas\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDiversified Market Reach: 50M+ Retail, $542B HNWI, MSMEs \u0026amp; Public Sector Scale\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMass retail (50M+ accounts, Livin users 30M+), HNWI (~63k, wealth USD 542B by 2025), MSMEs (99.9% firms; 61.1% GDP; 120k reached), Corporates (46% loan book; wholesale NII ~58%), Public sector (payroll \u0026gt;2M; deposits ~IDR 600T; govt lending IDR 120T in 2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eSegment\u003c\/th\u003e\n\u003cth\u003eKey metrics (2024)\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eMass retail\u003c\/td\u003e\n\u003ctd\u003e50M+ accounts; Livin 30M+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eHNWI\u003c\/td\u003e\n\u003ctd\u003e~63k; wealth USD542B (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMSMEs\u003c\/td\u003e\n\u003ctd\u003e99.9% firms; 61.1% GDP; 120k reached\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCorporate\u003c\/td\u003e\n\u003ctd\u003e46% loan book; wholesale NII ~58%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePublic\u003c\/td\u003e\n\u003ctd\u003ePayroll \u0026gt;2M; deposits ~IDR600T; lending IDR120T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eost Structure\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePersonnel and Employee Benefits\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eAbout 25-30% of Bank Mandiri's operating expenses in 2024 went to personnel and benefits, covering salaries, training, and welfare for ~34,000 employees; competitive pay and ongoing professional development (Mandiri spent IDR 1.2 trillion on training in 2024) sustain expert advisory and risk management, making this human-capital investment critical to high-quality financial services.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eIT and Digital Infrastructure Maintenance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eBank Mandiri spends heavily on IT and digital infrastructure: in 2024 the bank's IT-related operating expenses rose to roughly IDR 6.2 trillion (~USD 380m), covering cloud services, data center ops, hardware refreshes, software licensing, and cybersecurity; ongoing upgrades and 24\/7 channel reliability remain a growing line item, rising ~9% year‑on‑year as digital transactions exceed 60% of total volume.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMarketing and Customer Acquisition\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eBank Mandiri spends heavily on marketing and customer acquisition, with FY2024 selling, general \u0026amp; administrative (SG\u0026amp;A) marketing allocations around IDR 4.2 trillion (roughly USD 270m), covering digital ads, sponsorships, and loyalty rewards to attract and retain customers.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePhysical Infrastructure and Branch Operations\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eOperating Bank Mandiri's vast branch and ATM network drives large rent, utilities and maintenance costs; in 2024 Mandiri reported 18% of operating expenses tied to branch\/retail channels, with ~2,700 branches and 20,000 ATMs nationwide.\u003c\/p\u003e\n\u003cp\u003eDigital banking growth cuts transactions but the physical footprint still needs CAPEX and OPEX; network optimization programs target a 10-15% cost reduction over 2025-2027.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e~2,700 branches, 20,000 ATMs (2024)\u003c\/li\u003e\n\u003cli\u003e18% of OpEx linked to branch\/retail (2024)\u003c\/li\u003e\n\u003cli\u003eTarget 10-15% cost cut by 2027\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInterest Expense on Deposits\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cpbank mandiri pays interest on savings and time deposits a major variable cost tied to market rates competition for liquidity in expense customer was idr trillion driving focus cost-of-funds protect net margin\u003e\n\u003cp class=\"lst_crct\"\u003e\n\u003c\/p\u003e\u003cli\u003eIDR 62.3 trillion deposit interest (2024)\u003c\/li\u003e\n\u003cli\u003eNIM 4.6% (2024)\u003c\/li\u003e\n\u003cli\u003eRate sensitivity: benchmark BI7DRR movements\u003c\/li\u003e\n\u003cli\u003eCompetition raises funding costs\u003c\/li\u003e\n\n\u003c\/pbank\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBank 2024 cost breakdown: personnel, IT, marketing, branches, IDR62.3t interest; 10-15% cuts\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMajor 2024 costs: personnel ~25-30% OpEx (34,000 staff; IDR 1.2t training), IT ~IDR 6.2t, marketing ~IDR 4.2t, branch\/ATM ops 18% OpEx (2,700 branches; 20,000 ATMs), deposit interest IDR 62.3t (NIM 4.6%); target 10-15% cost cuts by 2025-2027.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eItem\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003ePersonnel\u003c\/td\u003e\n\u003ctd\u003e25-30% OpEx; IDR 1.2t training\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eIT\u003c\/td\u003e\n\u003ctd\u003eIDR 6.2t\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMarketing\u003c\/td\u003e\n\u003ctd\u003eIDR 4.2t\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches\/ATMs\u003c\/td\u003e\n\u003ctd\u003e2,700 \/ 20,000; 18% OpEx\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDeposit interest\u003c\/td\u003e\n\u003ctd\u003eIDR 62.3t; NIM 4.6%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eevenue Streams\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eNet Interest Income from Loans\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eNet interest income from loans is Bank Mandiri's main revenue, driven by interest on corporate, retail, and SME loans; in 2024 loans of IDR 821 trillion generated a net interest margin around 4.8%, translating to roughly IDR 39-40 trillion NII. \u003c\/p\u003e\n\u003cp\u003eThe profit comes from the spread between loan yields and deposit costs; loan growth and credit risk control matter - 2024 gross NPL ratio was ~2.3%, so provisioning and disciplined underwriting directly affect NII. \u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFee Based Transaction Income\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eFee based transaction income at Bank Mandiri comes from transfer fees, admin charges, and credit card fees, totaling IDR 14.2 trillion in 2024 (22% YoY growth) as digital channels Livin by Mandiri and Kopra processed a combined 2.1 billion transactions; rising digital volume makes fees more stable and predictable. This non-interest income cushions net interest margin swings during rate cycles, contributing 28% of non-interest revenue in 2024.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eWealth Management and Insurance Commissions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eBank Mandiri earns commissions from selling third-party investment products and insurance-mutual funds, bancassurance, and wealth services via subsidiaries-leveraging 2024's 85 million retail customers and branch\/digital reach; bancassurance alone drove IDR 1.9 trillion fees in 2024, while asset-under-management from bancassurance\/mutual funds reached IDR 120 trillion, boosting noninterest income.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTreasury and Foreign Exchange Gains\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eBank Mandiri realizes profits by trading currencies and securities across global and domestic markets; its treasury manages liquidity and seeks capital gains, contributing heavily to non-interest income-Mandiri reported IDR 12.4 trillion in treasury and forex gains in 2024, up 18% year-on-year.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eTrades currencies and securities for capital gains\u003c\/li\u003e\n\u003cli\u003eTreasury manages liquidity and market risk\u003c\/li\u003e\n\u003cli\u003eSignificant non-interest income driver-IDR 12.4T in 2024 (+18% YoY)\u003c\/li\u003e\n\u003cli\u003eVolatility increases profit opportunities and revenue contribution\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInvestment Banking and Advisory Fees\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eInvestment banking and advisory fees at Bank Mandiri come from M\u0026amp;A, capital raising, and underwriting; in 2024 the group reported IDR 3.2 trillion in fee income from debt and equity transactions, reflecting strong corporate deal flow.\u003c\/p\u003e\n\u003cp\u003eThese services exploit Mandiri's deep corporate client base and in-house expertise to earn high-margin revenue and boost non-interest income.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eIDR 3.2 trillion fee income (2024)\u003c\/li\u003e\n\u003cli\u003eM\u0026amp;A and ECM\/DCM underwriting core drivers\u003c\/li\u003e\n\u003cli\u003eHigh margins from advisory vs. lending\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLoan-driven NII fuels growth: NII IDR39.5T, fees IDR14.2T, treasury +18%\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eNet interest income (NII) from loans is primary: 2024 loans IDR 821T, NIM ~4.8%, NII ~IDR 39.5T; fee income IDR 14.2T (22% YoY) from digital transactions; treasury\/forex IDR 12.4T (+18% YoY); bancassurance fees IDR 1.9T; investment banking fees IDR 3.2T. \u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eRevenue stream\u003c\/th\u003e\n\u003cth\u003e2024 (IDRT)\u003c\/th\u003e\n\u003cth\u003eNotes\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eNII\u003c\/td\u003e\n\u003ctd\u003e39.5\u003c\/td\u003e\n\u003ctd\u003eLoans 821T, NIM 4.8%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFee income\u003c\/td\u003e\n\u003ctd\u003e14.2\u003c\/td\u003e\n\u003ctd\u003eDigital transactions 2.1B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTreasury\/FX\u003c\/td\u003e\n\u003ctd\u003e12.4\u003c\/td\u003e\n\u003ctd\u003e+18% YoY\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBancassurance\u003c\/td\u003e\n\u003ctd\u003e1.9\u003c\/td\u003e\n\u003ctd\u003eAUM 120T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eIB fees\u003c\/td\u003e\n\u003ctd\u003e3.2\u003c\/td\u003e\n\u003ctd\u003eECM\/DCM, M\u0026amp;A\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"Value Chain Analysis","offers":[{"title":"Default Title","offer_id":57357669564747,"sku":"bankmandiri-business-model-canvas","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1049\/6776\/6347\/files\/bankmandiri-canvas-business-model.webp?v=1779126028","url":"https:\/\/valuechainanalysis.com\/products\/bankmandiri-business-model-canvas","provider":"Value Chain Analysis","version":"1.0","type":"link"}