Bank Mandiri

-12.05%

1. Credit Risk: Bank Mandiri faces the risk of credit default from its borrowers, which could result in losses and affect the bank's financial stability.

2. Market Risk: The bank is exposed to market risks such as interest rate risk, foreign exchange risk, and commodity price risk. Changes in these rates can impact the bank's operations and profitability.

3. Operational Risk: Like any other financial institution, Bank Mandiri is exposed to operational risks such as fraud, errors, and system failures, which can result in financial losses and damage the bank's reputation.

4. Liquidity Risk: The bank's ability to meet its financial obligations depends on its liquidity. Any mismatch between assets and liabilities could result in liquidity risk, making it difficult for the bank to fund its operations.

5. Regulatory Risk: Bank Mandiri operates in a highly regulated environment and is subject to various regulatory requirements. Failure to comply with these regulations could result in fines, penalties, or restrictions on its operations.

6. Reputation Risk: Any negative news or perception about Bank Mandiri's financial stability, customer service, or ethical practices can damage its reputation and affect its business operations.

7. Cybersecurity Risk: As a digitalized bank, Bank Mandiri is exposed to cyber threats, such as hacking and data breaches, which can result in financial losses and damage the bank's reputation.

8. Country Risk: Bank Mandiri operates primarily in Indonesia, which is exposed to political and economic instability. Any adverse events in the country could impact the bank's operations and financial performance.

9. Concentration Risk: The bank's loan portfolio is concentrated in certain sectors or borrowers, which increases its risk exposure to any adverse events affecting those sectors or borrowers.

10. Competition Risk: Bank Mandiri operates in a highly competitive market, and any decline in its market share or loss of key customers could affect its profitability and growth prospects.