FOUR years after wandering off to the Indonesian Bank Restructuring Agency (IBRA) and Permata Bank, Agus Martowardojo is finally returning to this home bank. As of May last year, the 50-year-old Amsterdam, the Netherlands-born banker was appointed CEO of Bank Mandiri. A multitude of problems awaited him, foremost among them how to reduce the number of non-performing loans (NPLs) in Indonesias largest bank. Last year alone, Mandiris problem credit