ON paper, PT Bank Mandiri Tbk. is undoubtedly head and shoulders above the others. No other local banks can compete with Mandiri's assets and capital, which at the end of the first quarter of this year reached Rp239 trillion and Rp23 trillion, respectively.

With its jumbo size, Mandiri is said to be the local bank that is the most prepared to become an international bank, with capital of more than Rp50 trillion, as stated in the Indonesian B