THE Ministry of State-Owned Enterprises (SOEs) installed Zulkifli Zaini as CEO of Bank Mandiri replacing Agus Martowardojo, who was appointed Minister of Finance. The man who was born in Palembang, 22 October 1956, is from within Mandiri. Holder of a master’s degree in finance from Washington University, USA, he started his career in Bank Pembangunan Indonesia (Bapindo), precursor to Bank Mandiri, in 1988. What is his strategy in leading Mandir