The BTN-Mandiri Merger

THE desire of the State-Owned Enterprises (SOEs) Ministry for Bank Mandiri to purchase the State Savings Bank (BTN) deserves careful scrutiny. The merger of these two banks is a good sign for the banking sector, but it has the potential to result in losses for other parties, including people in the middle and lower-income groups who need loans to purchase subsidized housing. Furthermore, this acquisition should not put depositors or the employees

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