Money: Bank Mandiri BMRI

Bank Mandiri is the result of the merger made by Indonesian Government from four older government-owned banks that failed in 1998. Those four banks were Bank Bumi Daya (BBD), Bank Dagang Negara (BDN), Bank Expor Impor (Exim), and Bank Pembangunan Indonesia (Bapindo). During the amalgamation and reorganisation, the government reduced the number of branches by 194 and the number of personnel from 26,600 to 17,620.

1951: Bank Industri Negara (BIN) was established to finance priority sectors, such as plantations, industry and mining.
1959: The Indonesia government nationalised Nationale Handelsbank operations in Indonesia and from them created Bank Umum Negara.
1960: The Indonesia government nationalised the Indonesian operations of two more Dutch banks. It used Nederlandsche Handel Maatschappij operations to create Bank Ekspor Impor Indonesia. Escomptobank became Bank Dagang Negara. The government also established the state-owned Bank Pembangunan Indonesia (Bapindo) and merged BIN into it. Bapindo specialised in medium and long-term financing of manufacturing, tourism and transportation.
1964: The Indonesia government nationalised Chartered Bank's operations in Indonesia and merged them into Bank Umum Negara.Chartered Bank, a British overseas bank, had first entered Indonesia in 1863 when it opened an agency in Batavia.
1965: The Indonesia government brought Bank Umum Negara into the Bank Negara Indonesia group, renaming it Bank Negara Indonesia Unit IV (BNI IV). Similarly, Bank Ekspor Impor Indonesia became Bank Negara Indonesia Unit II (BNI II).
1968: The Indonesian government again reorganised some banks. BNI IV became an independent bank with the name Bank Bumi Daya. The government split BNI II into two parts, with the BNI Unit II Export-Import Division becoming BankExim, which specialised in trade finance.
1986: Bapindo expanded into general commercial banking.
1999: The government merged Bank Bumi Daya, Bank Dagang Negara, Bank Ekspor Impor Indonesia and Bank Pembangunan Indonesia to create Bank Mandiri.
2004: The bank opened a branch in Dili (East Timor) , and a representative office in Shanghai (China)

PT Bank Mandiri (Persero) Tbk or Bank Mandiri, headquartered in Jakarta is the largest bank in Indonesia in terms of assets, loans and deposits.Total assets as of Q3 2012 were IDR 588.4 trillion (around US$59.8 billion). It also had a Capital Adequacy Ratio (CAR) of 16.08% (including market risk), Return on Asset (RoA) of 3.45%, and Return on Equity (RoE) of 22.18%. As of September 2012, Bank Mandiri was the largest bank in Indonesia by total assets.

As of September 2012, the bank had 1,733 branches spread across three different time zones in Indonesia and six branches abroad, about 11,000 Automatic Teller Machines (ATM), and six principal subsidiaries: Bank Syariah Mandiri, Mandiri Sekuritas, Mandiri Tunas Finance, AXA Mandiri Financial Services, Bank Sinar Harapan Bali, and Mandiri AXA General Insurance. Bank Mandiri (BMRI) History

Easy Savings For a Comfortable Life

Easy Since the Beginning, Convenient Banking Transaction! With Mandiri Saving Account.

Easy Since the Beginning

To open a Mandiri Saving Account, you only need to pay Rp500.000 for its initial deposit
Once your account is officially active, you’ll be given a Mandiri debit card, which can be used to make transactions at the ATMs, shops, and make payments at all merchants with VISA logo

With Autodebet service, you can pay your regular bills such as electricity, water, and telephones. Every month, Autodebet service will automatically make the payment by cutting off your account balance
If you need to make monthly payment to your family or friends, Automatic Fund Transfer (AFT) service will help you do that. The service will automatically cut off your account balance

Convenient Banking Transaction

If you need to make monthly payment to your family or friends, Automatic Fund Transfer (AFT) service will help you do that. The service will automatically cut off your account balance.

Withdraw cash from millions of ATM Mandiri and any ATM networks of LINK, ATM Bersama, PLUS, VISA, and Visa Electron in all over the world.

Wherever you are, whenever you are, you can make banking transactions using Mandiri SMS, Mandiri Online, and Mandiri Call Services.

Need to make banking transactions on the weekend? No need to worry! We provide a Weekend Banking service at certain branch offices every Saturday and Sunday

Gain More Profit
with Fiestapoin

Every time you make a transaction using Mandiri Saving Account, you will earn reward points (Fiestapoin).
You can collect your Fiestapoin as many as possible and redeem them for various gifts such as shopping vouchers, gadget, as well as discounts and free products from Bank Mandiri’s partner merchants.

Terms and Condition

Interested in opening a Mandiri Saving Account? All you need to do is just meet these terms and conditions below:

Initial deposit at least Rp. 500,000.00
ID card:
- Indonesian citizens (WNI): Applicable Resident Identity Card (KTP)
- Non-Indonesian citizens (WNA): Passport and KIMS/KITAS/KITAP
- Students: Student card and parental consent form

Offers monthly administrations fee
Tax Identification Number (NPWP) Bank Mandiri BMRI

Loan

We are here to help by providing convenience and a range of solutions for all your loan needs Bank Mandiri BMRI

Mandiri KSM

Mandiri KSM is a credit facility provided to employees who have a fixed income or a permanent profession, retired or to a specific target market to finance various needs.

This credit facility can be used for various needs, among others; education, marriage, health, home renovation and others.

With Mandiri KSM, you are entitled to the following benefits:

     Competitive interest rates
     Liquid fast 1 day process
     Low credit costs
     Credit limit up to Rp1 Billion
     Duration of up to 15 years

Interested in applying for KSM at Bank Mandiri? You only need to fulfill the terms and conditions below:

Indonesian Citizen (WNI) & domiciled in Indonesia
Minimum age of 21 years maximum before retirement age when the credit is paid off.
The tenure of permanent employees min. 1 year
Minimum income of 3 million. Bank Mandiri

Mandiri Tunas KKB

Mandiri Tunas KKB is a vehicle financing facility for financing individuals or business entities.

As a product Mandiri KKB is divided into two subproducts:

Mandiri KKB Regular Is an automotive loan for New Car and New Motorcycle purchase
Is a multipurpose loan product in which the customer refinance his/her automobile vehicle in exchange for a certain sum of money.

Benefits

Competitive Interest Rate
Simple documentary requirements.
Fast credit process.

What documents are needed :

KTP
KK
Income statement documents/Paycheck/ Bank Account Statements for the last 3 months
Residential documents

Secure and hassle-free money transfer overseas

Enjoy seamless money transfer to any country of your choosing for all your business, education, medical, or any other payment needs in more than 16 currencies.

Benefits

Easily send money from any Bank Mandiri Branch or through the Mandiri Internet Bisnis (MIB) and Mandiri Cash Management (MCM) platforms.
Competitive and flexible fees and foreign exchange rates.
Easy, speedy, and secure money transfer.

Terms and Conditions

Sender / benefactor may be an individual person or an enterprise.
Sender must fill out the Transfer slip at a Branch, or input the desired transaction using the Overseas Interbank Transfer menu on the MIB platform, or the International Transfer menu on the MCM platform.
Money remittance of over USD 100,000 must be accompanied by underlying documents.

Features

You can choose any currency to send your money abroad, including:
USD, EUR, SGD, AUD, JPY, GBP, CAD, CNY, NZD, SAR, HKD, CHF, SEK, DKK, NOK, INR and others. Bank Mandiri BMRI

Investment & Insurance

Protect yourself and your family, and enjoy the benefits of investing with our range of insurance and investment products

Mutual Fund Selling Agent

A Mutual fund is a vehicle for pooling public funds for investment in a portfolio of securities managed by a fund manager.

Bank Mandiri is registered as a Mutual Fund Agent by the Financial Services Authority (OJK) under Registration Certificate No. 07/BL/STTD/APERD/2007, dated 21 February 2007

Fund Manager

A Fund Manager is responsible for managing an investment portfolio for its investors or managing a collective investment portfolio for a group of investors, except for insurance companies, pension funds, and banks that manage their own businesses based on the applicable laws and regulations. Bank Mandiri works together with 9 (nine) Fund Managers:

PT Bahana TCW Investment Management
PT Batavia Prosperindo Aset Manajemen
PT Danareksa Investment Management
PT BNP Paribas Investment Partners
PT Mandiri Manajemen Investasi
PT Manulife Aset Manajemen Indonesia
PT Schroder Investment Management Indonesia
PT Ashmore Asset Management Indonesia
PT Kresna Asset Management

Custodian Bank

A Custodian Bank provides custodian service for securities and other assets related to securities, as well as other services, including processing payments of dividends and interest, etc, settling securities transactions, and representing its customer accountholders.

Mutual Fund Agent (APERD)

A Mutual Fund Agent sells shares in a mutual fund based on an agreement with the Fund Manager.

Mutual Fund Agent Sales Representative (WAPERD)

A Mutual Fund Agent Sales Representative is an individual licensed by the OJK to sell Mutual Funds.

Endowment Fund

An Endowment Fund is a balanced investment vehicle whose income must be used for specific not-for-profit purposes, such as natural disaster relief, environmental conservation, and religious, cultural, educational and other not-for-profit activities.

Investment & Insurance (ORI & Sukuk Retail)

(It's time) Enjoy retail government bonds from us. Bank Mandiri BMRI

Sukuk Ritel "let's build the nation's economy together with sukuk retail"

Bank Mandiri as a Sales Agent in Principal Market, provides retail State Bond product, such as: Retail State Bond (ORI) and State Retail Syariah Securities (Sukuk Ritel). Appointment of Bank Mandiri as Sales Agent is stipulated by the Government.

ORI and Retail Sukuk order BUYIN IN Principal Market can only be done by a Indoensian citizen individual proved by Identitiy Card, which is still valid, with minimum, double, and maximum buying stipulation decided by the Government based on Information memorandum every ORI and Retail Sukuk release.

ORI and Sukuk Ritel buying or selling in the Secondary Market can be done by in and over the counter mechanism.

ORI and Retail Sukuk trade with in counter mechanism is done by the investor by proposing buying/selling interest to Indonesian Stock Exchange. If there is a price commensuration between seller and buyer investor, selling transaction can be done through in counter mechanism.

Over the Counter transaction is done by investor by doing collective price negosiation with with selelr or buyer candidate or ORI and Retail Sukuk buyer. Then, Bank Mandiri (through Consumer Banking Treasury Department Wealth Management Group) or the appointed stock company will finish ORI and Retail Sukuk transaction. Bank Mandiri BMRI

AXA Mandiri Financial Services

Enjoy a variety of insurance options from Axa Mandiri to suit your needs

Brief History of the Company

PT AXA Mandiri Financial Services

PT AXA Mandiri Financial Services (AXA Mandiri) is a joint venture between PT Bank Mandiri (Persero) Tbk and AXA SA, established in 2003. AXA Mandiri is able to maintain its position as a leader in the bancassurance distribution channel by acquiring 18.6 percent market share based on Data of the Indonesian Life Insurance Association in Q4, 2016.

AXA Mandiri which runs bancassurance business model has in-branch, telemarketing and corporate distribution channels. Product marketing is conducted through more than 2,000 Financial Advisors in more than 1,500 Bank Mandiri branches and 700 Bank Syariah Mandiri branches across Indonesia, and supported by over 500 Sales Officers on telemarketing and corporate lines. AXA Mandiri has also leveraged the digital world for online product sales, as well as providing after sales service to customers.

AXA Mandiri has earned several awards including Top Brand Award of Life Insurance Company category by Marketing Magazine, Top Agent Bancassurance in the Top Agent Award of Asuransi Aswa Indonesia 2016, Golden Trophy Award at Infobank Insurance Award 2015 for excellent financial performance performance for 5 Consecutive year, Excellence Service Award 2016 and other awards.

PT AXA Mandiri Financial Services is registered and listed by the Financial Services Authority (OJK). Complete information about the company can be found at Bank Mandiri

Mandiri Inhealth

(It's time) Enjoy the benefits of life protection for you and your beloved family.

Protection and Investment

The product will give the biggest amount between Insurance Money or Investment Value to your heir if something happend to you.

Can Be Withdrawed Anytime

The product is made for long term investment. Nevertheless, if you need it and need to withdraw your fund, you can do that anytime without additional fee.

Minimum withdrawal: Rp 1,000.000/USD 200 per transaction
Minimum balance: Rp 2,000,000/USD 400 in each type of investment fund

Easy way to maximize your investment

It is not easy to choose the precise investment product that can maximize your fund, it is even harder to find a product that is able to minimize risk. Mandiri Wealth Investment is constructed to give you opportunity to invest your fund to a professionally organized instrument and giving a high return level, added with insurance protection benefit.This AXA Mandiri Financial Services product is suitable for those having a rather big fund to be invested and it is simple because you only need to invest once.

Payment at Ease

Premium can be paid every month, every three months, every semester, or annually.
First premium payment can be done through a cash payment, transfer, or Bank Mandiri ATM. For your ease, the next premium will be debited automatically from your Bank Mandiri account.

STATEMENT AND EXPALNATION OF INVESTMENT RISK

PT. AXA Mandiri Financial Services is a joint venture life insurance company between PT. Bank Mandiri (Corporate), Ltd. and National Mutual International Pty. Ltd. Part of Group, and starts operating in Indonesia since December 2003
Insurance products and AMFS unit links that are marketed through Bank Mandiri branches nowadays are Wealth Mandiri Investment or Mandiri Investasi Sejahtera (MIS), Wealth mandiri Planning or Mandiri Rencana Sejahtera (MRS), Wealth Mandiri Life or Mandiri Jiwa Sejahtera (MJS)
These products are not published/guaranteed by Bank mandiri
Investment value is unit value by using unit buying price in the next day. Unit value can be changed sometimes. The value depends on the selected investment performance and on the investment risk.
Past investment fund performance is not an indicator for the future.
Policy Holder Investment Result is not guaranteed. All risks, lost, and benefit from the investment will fully become Policy Holder’s responsibility. Thus, buyer candidate has to read and understand provisions in the brochure and proposal before invest.
This information only describes general information and not a contract or guarantee of investment’s performance. The correct terms and condition regarding the product is explained more thoroughly in police contract. Bank Mandiri BMRI

Investment & Insurance (Mandiri Axa General Insurance)

PT Mandiri AXA General Insurance

Founded initially as PT Asuransi Dharma Bangsa in 1961, PT Mandiri AXA General Insurance began operating as a joint venture between PT Bank Mandiri (Persero), Tbk (Bank Mandiri) (60%) and AXA SA (40%) on 25 October 2011 as agreed by the Minister of Law and Human Rights of the Republic of Indonesia in Decree No. AHU-51976.AH.01.02 of 2011 and business license in the field of general insurance from the Minister of Finance based on Decree No. KEP-825 / KM.10 / 2011 dated November 8, 2011. On January 6, 2014, the share ownership of AXA S.A was transferred to AXA ASIA. Investment & Insurance (Mandiri Axa Gerneral Insurance)

Founded initially as PT Asuransi Dharma Bangsa in 1961, PT Mandiri AXA General Insurance began operating as a joint venture between PT Bank Mandiri (Persero), Tbk (Bank Mandiri) (60%) and AXA SA (40%) on 25 October 2011 as agreed by the Minister of Law and Human Rights of the Republic of Indonesia in Decree No. AHU-51976.AH.01.02 of 2011 and business license in the field of general insurance from the Minister of Finance based on Decree No. KEP-825 / KM.10 / 2011 dated November 8, 2011. On January 6, 2014, the share ownership of AXA S.A was transferred to AXA ASIA.

To continue to improve general insurance services for customers and the Indonesian public, PT Mandiri AXA General Insurance (MAGI) and PT Asuransi AXA Indonesia (AXA General Insurance - AGI) officially joined, after obtaining a merger license from the Financial Services Authority (OJK). The merger took effect on December 1, 2019 in accordance with OJK Decree Number S-32 / D.05 / 2019 dated November 26, 2019. The merger of the two companies became a new force for PT Mandiri AXA General Insurance with a wider product line, omni-channel distribution, and become one of the insurance companies that has the strongest group-health service on the market. Bank Mandiri BMRI

Mandiri Online

Enjoy the ease of banking anytime, anywhere.

Mandiri Online is accessible via web and mobile app.

Quickly perform your financial transactions with our easy-to-use menu. Bank Mandiri BMRI

Mandiri E-Money

Enjoy the convenience and comfort of life with Mandiri e-money on each of your daily transactions

Your transaction will be easier and more practical without carrying cash and waiting for change. Bank Mandiri BMRI

LinkAja
LinkAja is an application that provides convenience and comfort in meeting the transaction needs of all levels of society.LinkAja is a financial technology product that synergizes Indonesian proud companies, namely HIMBARA (Association of State-Owned Banks - including Bank Mandiri), Telkomsel, and Pertamina. Bank Mandiri

Mandiri SMS
Whatever your SIM Card is, enjoy the choices of transaction: Type SMS or Select Menu
Now, banking transaction is getting easier. Mandiri SMS is a banking service you can use to do banking transactions through SMS on your cellular phone.

Banking Transaction, Any Time, Any Where
Various Benefits That You Can Get:

Easy and Flexible
Type SMS or Select Menu. By typing the transaction code required, the answer will be received in SMS or transaction can be done with SIM Micobrowser Mobile Banking selecting menu from the phone cell.
More Efficient
Transaction cost will be charged as much as SMSs cost + Rp 500. The cost for notification via SMS is Rp 500.

Using any kind of SIM Cards
Whatever your SIM Card is, the banking transaction can be done.Transaction by selecting this menu can be enjoyed by the user of Telkomsel navigator . Life in Hand XL, Matrix and Indosat Mentari. Bank Mandiri BMRI

Digital Highlights
Tell us a story like a digitale

Continue to establish itself to be at the forefront of the flow of technological and information development. Bank Mandiri continues to improve to advance through transformation, innovation, data security, and superior human resources. Give meaning to a better life. Bank Mandiri BMRI