Bank Mandiri (Persero) Tbk PT
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Intrinsic Value
The intrinsic value of one BMRI stock under the Base Case scenario is 8 019.85 IDR. Compared to the current market price of 6 250 IDR, Bank Mandiri (Persero) Tbk PT is Undervalued by 22%.
The Intrinsic Value is calculated as the average of DCF and Relative values:
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Fundamental Analysis
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Bank Mandiri (Persero) Tbk PT, established in 1998, stands as one of Indonesia's largest financial institutions, embodying the country's dynamic economic landscape. With a robust network spanning over 2,400 branches and a significant presence in digital banking, the bank serves millions of retail customers, small businesses, and corporate clients alike. Its comprehensive range of banking products, from conventional banking services to wealth management, positions it as a key player in enhancing Indonesia's economic potential. Bank Mandiri has consistently demonstrated its commitment to innovation, adopting advanced technology to streamline services and improve customer experience, aligning w...
Bank Mandiri (Persero) Tbk PT, established in 1998, stands as one of Indonesia's largest financial institutions, embodying the country's dynamic economic landscape. With a robust network spanning over 2,400 branches and a significant presence in digital banking, the bank serves millions of retail customers, small businesses, and corporate clients alike. Its comprehensive range of banking products, from conventional banking services to wealth management, positions it as a key player in enhancing Indonesia's economic potential. Bank Mandiri has consistently demonstrated its commitment to innovation, adopting advanced technology to streamline services and improve customer experience, aligning with the increasing demand for digital solutions in the financial sector.
For investors, Bank Mandiri presents a compelling opportunity driven by strong fundamentals and a strategic vision for sustainable growth. The bank's robust balance sheet, demonstrated by consistent profitability and disciplined risk management, showcases its resilience in navigating economic fluctuations. Furthermore, the Indonesian economy is poised for growth, with a young population and improving infrastructure that positions the bank to capitalize on emerging market dynamics. Bank Mandiri's commitment to enhancing financial inclusion aligns with government initiatives, creating a favorable environment for expansion and profitability. As the bank continues to embrace innovation and sustainability, it represents a solid investment opportunity in the rapidly evolving Indonesian banking sector.
Bank Mandiri (Persero) Tbk PT, one of the largest banks in Indonesia, operates in several core business segments. Here are the primary segments:
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Corporate Banking: This segment serves large corporations, providing services like lending, treasury and cash management, trade finance, and structured financing. The aim is to support the funding needs of large enterprises and their international trade activities.
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Retail Banking: Catering to individual customers, this segment includes personal loans, savings accounts, credit cards, and other consumer banking products. Retail banking focuses on providing financial services to the mass market, enhancing customer convenience through various digital channels.
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SME Banking: Specifically targeting small and medium enterprises, this segment provides financing solutions, credit lines, and business advisory services. By supporting SMEs, Bank Mandiri aims to foster growth in this crucial sector of the Indonesian economy.
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Treasury and Financial Markets: This segment encompasses various trading and investment services, including foreign exchange, fixed income, and derivatives. Treasury operations focus on managing the bank's liquidity and risk exposure while offering investment products to clients.
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Islamic Banking: Bank Mandiri offers Sharia-compliant financial products and services through its Islamic banking division. This segment caters to customers who prefer ethical banking practices and align with Islamic principles.
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Investment Banking: Providing advisory services for mergers and acquisitions, equity and debt financing, and capital market transactions. This segment aims to serve clients looking for sophisticated financial solutions, including public offerings and private placements.
These segments allow Bank Mandiri to diversify its revenue streams and cater to various customer needs, thus positioning itself as a comprehensive financial services provider in Indonesia.
Bank Mandiri (Persero) Tbk PT, as one of Indonesia's largest banks, enjoys several unique competitive advantages over its rivals:
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Scale and Market Presence: As one of the largest banks in Indonesia, Bank Mandiri has an extensive branch network and ATM presence, which enhances customer accessibility and convenience. Its scale allows for a broader customer base and diversified revenue streams.
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Government Backing: Being a state-owned enterprise, Bank Mandiri benefits from a strong government backing which instills confidence among customers and investors. This relationship can also facilitate favorable regulatory treatment.
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Comprehensive Product Offering: Bank Mandiri provides a wide range of financial products and services, including retail banking, corporate banking, treasury, and investment services. This diversification helps attract various customer segments.
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Strong Brand Recognition: With a well-established brand in the Indonesian market, Bank Mandiri enjoys customer loyalty and recognition, which are critical in attracting new customers and retaining existing ones.
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Digital Transformation Initiatives: The bank has made significant investments in technology and digital banking platforms, enhancing customer experience and operational efficiency. This technological edge enables it to cater to the growing demand for digital services.
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Risk Management and Financial Stability: Bank Mandiri has a strong risk management framework that has helped it maintain stability and resilience during economic fluctuations. This capability is crucial in building trust among clients and investors.
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Customer Centricity and Innovation: The bank places a strong emphasis on customer service and innovation, regularly updating its service offerings based on customer needs and market trends, which can lead to higher customer satisfaction and retention.
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Talent and Expertise: With a skilled workforce and management team, Bank Mandiri is positioned to execute its strategic initiatives effectively and respond quickly to market changes.
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Partnerships and Ecosystem Integration: The bank has established partnerships with various fintechs and businesses, expanding its ecosystem and enhancing service offerings, especially in digital payments and e-commerce sectors.
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Sustainability Initiatives: Bank Mandiri’s commitment to sustainability and corporate social responsibility aligns with global trends and customer preferences, potentially attracting environmentally-conscious consumers and investors.
These competitive advantages collectively position Bank Mandiri to sustain its leadership in the Indonesian banking sector while adapting to the dynamic financial landscape.
Bank Mandiri (Persero) Tbk PT, one of Indonesia's largest banks, faces several risks and challenges in the near future, which can be categorized into various domains:
Economic Risks
- Economic Volatility: Indonesia's economy can be affected by global economic conditions, including fluctuations in commodity prices, exchange rates, and international trade dynamics.
- Inflation: Rising inflation rates can erode purchasing power and affect consumer spending, impacting loan demand and asset quality.
Regulatory Risks
- Regulatory Changes: The banking sector is highly regulated, and changes in regulations can create compliance burdens. Tightening of lending standards or capital requirements could affect profitability.
- Compliance Costs: Increased efforts to combat money laundering and financing of terrorism may lead to higher compliance costs.
Market Competition
- Intensified Competition: The banking sector in Indonesia is competitive, with traditional banks and digital banks vying for market share, which can pressure margins and reduce profitability.
- Fintech Disruption: The rise of fintech companies poses a threat as they offer alternative financial services, potentially drawing customers away from traditional banks.
Credit Risk
- Asset Quality: An increase in non-performing loans (NPLs) can occur due to economic downturns or poor credit assessments, impacting financial stability.
- Concentration Risk: High exposure to certain sectors, such as property or SMEs, can amplify risks if those sectors face downturns.
Operational Risks
- Cybersecurity Threats: As banking becomes increasingly digital, the risk of cyberattacks grows. Breaches can damage reputation and lead to financial losses.
- Technological Dependence: Operational disruptions due to system outages or failures in technology can affect customer service and trust.
Interest Rate Risks
- Interest Rate Fluctuations: Changes in interest rates can affect net interest margins and profitability, impacting both loans and deposits.
Political and Social Risks
- Political Stability: Political uncertainty or unrest can impact economic performance and thereby the banking sector.
- Public Image and Reputation: Banks must manage their reputations carefully to maintain customer trust and meet regulatory expectations.
Environmental and Social Risks
- Sustainability Concerns: Growing emphasis on environmental, social, and governance (ESG) criteria could require shifts in lending practices, especially in sectors like energy and agriculture.
Strategic Risks
- Growth Strategies: Missteps in expansion strategies, such as entering new markets or segments, can lead to financial strain.
- Management Challenges: Retaining and developing leadership talent is crucial for navigating the complexities of the financial landscape.
Conclusion
To navigate these challenges successfully, Bank Mandiri must adopt a proactive risk management framework, focus on innovation, and ensure sustainable practices in its operations. Staying adaptable and responsive to ongoing changes will be vital for maintaining its competitive edge.
Balance Sheet Decomposition
Bank Mandiri (Persero) Tbk PT
Net Loans | 1 539.5T |
Investments | 503.9T |
PP&E | 59.9T |
Intangibles | 6T |
Other Assets | 214.8T |
Total Deposits | 1 692.1T |
Short Term Debt | 63.1T |
Long Term Debt | 66.5T |
Other Liabilities | 230.2T |
Wall St
Price Targets
BMRI Price Targets Summary
Bank Mandiri (Persero) Tbk PT
According to Wall Street analysts, the average 1-year price target for BMRI is 8 197.34 IDR with a low forecast of 6 989.2 IDR and a high forecast of 9 975 IDR.
Dividends
Current shareholder yield for BMRI is .
Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?
Profile
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Description
PT Bank Mandiri (Persero) Tbk engages in providing general banking services. The company is headquartered in Jakarta Selatan, Dki Jakarta and currently employs 37,840 full-time employees. The company went IPO on 2003-07-14. The Bank offers a range of banking products and services to its customers ranging from individuals and small and medium-sized enterprises (SMEs) to corporations. The Bank’s operates operating segment and geographical segment. Its operating segment includes corporate banking, commercial banking, institutional relations, treasury and international banking and retail banking consisting of credit cards, small and medium enterprise, micro, consumer loans and branchless banking. The corporate banking segment serves the needs of corporate customers. The Commercial Banking segment focuses on the medium scale industry. Its geographical segment operates in Indonesia, Asia (Singapura, Malaysia, Hong Kong, Timor Leste and Shanghai), Western Europe (England), and Cayman Islands.
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The intrinsic value of one BMRI stock under the Base Case scenario is 8 019.85 IDR.
Compared to the current market price of 6 250 IDR, Bank Mandiri (Persero) Tbk PT is Undervalued by 22%.