ARTIFICIAL INTELLIGENCE

IMPLEMENTATION IN
 Hello!

D.2
Alam Pangestu (1606886551)
Dina Nur Cholidin (1606911074)
Johanes Ricky (1606895833)
Tania Try Rahmah (1606833803)
 Outline!

● Company Background
● Quantitative Analysis
● Qualitative Analysis
 Company Background
» Company Name : Bank Mandiri
» Line of Business : Banking
» Date of Establishment : 02 October 1998
» Share Listing in BEI : 14 July 2003
» The Potential use of tech. : Bank Mandiri through Mandiri Capital Indonesia synergizes with
some fin-tech start-ups in providing digitization process
» Tech. that has been utilized : Mandiri Online, Mandiri ATM, Mandiri EDC, Electronic Money:
Mandiri e-Money; Mandiri e-Cash, Mandiri Branchless Banking, Chatbot, Kredit AI
Quantitative
Analysis
Financial Statement
Financial Highlight
 Highlight
» Assets rises by 8,3% YoY » The growth of productive » The Annual Growth of
Which is Equal to credit reached Rp36.7 Mandiri’s Credit Is Equal
Rp1,124.7 Trillion trillion To 10,2% or Rp 729,5
Trillion
» Equity increasingly » The Annual Retail Credit
stronger reaching Rp170 Rises by 13.7%, Which is » Third Party Fund rises by
Trillion Equal to Rp223.1 Trillion 7.0%, While YoY reaches
Rp815.8 Trillion.
» Net Profits Reach Rp20.6
Trillion, growing by
49.5% YoY
Qualitative
Analysis
Business Canvas Model
 Value Proposition
» The First National Bank With Assets Worth Above Rp1,000
Trillion
» Better customer experience, especially in transaction and
interaction
» Strong Synergy With Broad Subsidiaries
» A Bank with Strong Relationship with Wholesale Customers
 Customer Segment
Impact on AI implementation:
● Corporation : Increase efficiency of transaction
● Small and medium: Increase efficiency of
transaction
● Government: Increase efficiency and more
transparancy
● Institutional Investor and Private Individual:
Increase efficiency and more customer friendly that
will lead to increase in customer
Channels
» Bank Branchless
» Web : https://www.bankmandiri.co.id/
» Social Media
Chat bot Mita : Line, Facebook Massenger,
Telegram
Revenue Streams 2017
» Net Interest Income Rp31.03 trillion
1. Forex Transactions
2. Securities Transactions
3. Etc
» Fee Based Income Rp 8.31 trillion
1. Credit Card
2. Deposits
3. Saving Product
» operating income of Rp8.48 trillion
Customers Relationships
FIESTA POIN
» Mikro Kredit Sales
» Mandiri Mobile
» ATM
» Mandiri Call
» Wirausaha Muda Mandiri Expo
KEY PARTNERS
» Investors and Shareholders
60% Government, 31.5% Foreign, 8.5% Domestic
» Subsidiaries
Mandiri Syariah, Mandiri Taspen, AXA Mandiri,etc.
» IT and Non-IT Vendors
» Regulator Agencies
OJK, Bank Indonesia, LPS, etc.
 KEY ACTIVITIES
» Funding, Lending, Bank services
Deposits, Credits, Certificates, etc
» Investment and Insurance
Mutual Funds, AXA Mandiri, Mandiri inHealth
» E-Banking / E-Channel Service
Mandiri Online, Mandiri E-Money, E-Cash
» Credit cards → Instant approval
» Customer Services → MITA
KEY RESOURCES
» Massive and Strong Network all over country
2600+ branches, 17,000+ ATMs, 8 Foreign Network
» 37,000+ Employees
» Total assets of IDR 1,202T (2nd National Ranking)
» National LT Rating AAA (Fitch Rating 2018)
» Culture of Exellence “T-I-P-C-E”
Cost Structures
Fixed Cost:
» Interest Expenses
» Administration Expenses
» Rent Expenses
» Salary Expenses (decrease)
» Utilities Expenses (Increase)
Variable Cost:
» Marketing (increase)
→ Social Media, Mandiri e-Store
» Technology Development, R&D (increase)
→ MITA, Mandiri Mobile, ATM, Mandiri Cloud
That’s All From Us

Thank You!
Any questions?
Do not ask for a difficult question, please