| Summary: | PT Bank Mandiri is a bank with the biggest asset in Indonesia in recent years. This
company has business strategy which focus on micro sector, retail and consumer.
However it is different from the history of this company as the bank that was formed
by merger of banks which have corporation segment such as Bapindo, Exim, Bumi
daya, and Bank Dagang Negara. Currently the largest composition of Bank Mandiri
loans still in corporate and commercial segment.
This study aims to analyze further the influence of the composition of credit in Bank
Mandiri to financial performance. Analysis was done by testing and interpretation of
statistical results on four models of the model established by the independent variable
credit segment (corporate, commercial, micro, and consumer) paired with each of the
four dependent variables of financial performance (ROA, ROE, NIM and NOPAT)
for 32 times the quarterly report of 2004 -2011.
From the test results can be concluded that the strategy has taken Bank Mandiri to
focus on the micro sector, retail and consumer currently less precise due to the
present corporate and commercial business unit still plays an important role in the
sustainability of a company which is reflected in its financial performance.
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