Company values in utmost appreciation to humanity and integrity have been deeply rooted within everyone at Bank Syariah Mandiri (BSM) since its early establishment.
Established since 1999, BSM has in fact appeared as blessings and a morale learnt from the 1997-1998 economic and monetary crisis. As is known, the economic and monetary crisis, followed by multi-dimension crisis including in the national politics, has massively affected all aspects of public life, not an exception to business matters. Under such a condition, the conventional banksdominated banking industry suffered from the worst crisis. The government finally took action by restructuring and recapitalizing the banks in Indonesia.
One of the conventional banks, PT Bank Susila Bakti (BSB) owned jointly by Employee Welfare Foundation (YKP) of PT Bank Dagang Negara and PT Mahkota Prestasi also suffered from the crisis. BSB sought to survive the crisis by merger with other banks and inviting foreign investors.
At the same time, the government merged four banks (Bank Dagang Negara, Bank Bumi Daya, Bank Exim, and Bapindo) to become a new bank under the name PT Bank Mandiri (Persero) on July 31, 1999. The merger policy also positioned and declared PT Bank Mandiri (Persero) as the new majority owner of BSB.
Further to the merger, Bank Mandiri embarked on consolidation and commissioned Sharia Banking Development Team. The team aims to develop sharia banking business services within the Bank Mandiri business group as a response to the law enforcement of UU No. 10 Year of 1998 that allows commercial banks for running sharia transaction services (dual banking system).
The Sharia Banking Development Team concluded that the law enforcement serves the right time for converting PT Bank Susila Bakti from conventional to sharia banking. Accordingly, the Sharia Banking Development Team prepared the system and infrastructure to change conventional banking activities of BSB to a bank running on the basis of sharia principles under the name PT Bank Syariah Mandiri just as legalized with the Notarial Act of Sutjipto, SH, No. 23 dated September 8, 1999.
The change in BSB business type into sharia commercial bank has been approved by the Bank Indonesia Governor through Decree No. 1/24/ KEP.GBI/1999, October 25, 1999. Through the Decree of Senior Deputy Governor of Bank Indonesia No. 1/1/
KEP.DGS/ 1999, the central bank approved the bank renaming into PT Bank Syariah Mandiri. Following the approval and legal registration, PT Bank Syariah Mandiri has officially been in operation since 25 Rajab 1420 H or November 1, 1999.
The Bank is now coming, performing and growing as a bank that combines business ideals and spiritual values as the basis of its operation. The harmony of business ideals and spiritual values creates a comparative advantage for Bank Syariah Mandiri to perform in the banking industry in Indonesia. BSM was born to build Indonesia better. (
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The Management of BSM along with the employees are committed to procurement and development of human resources quality. The commitment represents continued support to the transformation of BSM into a Sharia bank Indonesian people can be proud of.
Teller Majenang
Syariah Funding Executive
Pelaksana Marketing Mikro
Frontliner (Customer Services, Teller) 
Bank Syariah Mandiri upholds the commitment to Human Resources development. High performing employees account for the main pillar towards market leadership and Sharia banking development in Indonesia. Towards human resources excellence, BSM has developed continuous learning programs, supported with the best learning facilities. 
