ABSTRACT : Basically, inclusive financial policy is a form of financial service deepening aimed at the public in the bottom of the pyramid to utilize formal financial products and services such as a means of storing safekeeping, transfers, savings and insurance loans. Banks as intermediaries are very instrumental in supporting economic growth, especially for healthy and efficient banks. Efficient banking will support sustainable economic growth and public welfare. Branchless Banking is one of the programs established by regulators to help the development of inclusive finance in Indonesia. This study aims to see the impact on the financial performance of PT. Bank Mandiri (Persero) Tbk prior to the implementation of Branchless Banking and after the implementation of Branchless Banking which was measured through financial ratios represented by the Loan to Funding Ratio (LFR), Capital Adequency Ratio (CAR), Return of Assets (ROA) and Operational Income Operating Costs (BOPO) is measured through the paired sample t-test method and formulates alternative strategies to complete with Digital Financial Services to improve financial performance through Branchless Banking at Bank Mandiri by means of SWOT Analysis. This study showed that the paired sample t-test ratio represented by LFR, CAR, and BOPO had significant differences before and after the implementation of Branchless Banking, while the ratio represented by ROA had no effect and did not have a significant difference.

KEYWORDS – Branchless Banking, Financial Ratio, Paired Sample t-test, SWOT Analyze