A three in one strike is what may have hit Bank Mandiri recently. Indonesias largest bank was confronted, concurrently, with three major problems. Even worse, one could be linked to the other. The news on the debacle or the debacle created by the news clearly had its undesirable impact on the bank. Its shares have slumped 25 percent over these past few days.

A bank is a financial establishment which successfully manages its funds on the basi