77
Jan 1 2007
IPO U from :
+ 18. 5 + 307. 7
JCI + 7. 8
+ 363. 0 BM RI
No. of Inve s tors
No. of s hare s
DOMESTIC 1. Gove rnme nt of RI
1 14,000,000,000
67.47 2. Re tail
8,702 346,472,097
1.67 3. Emp loye e s
9,478 165,906,155
0.80 4. Coop s Found ations
10 17,989,500
0.09 5. Pe nsion Fund s
144 180,243,100
0.87 6. Assurance Banks
35 175,811,500
0.85 7. Institutions
214 457,120,930
2.20 8. Mutual Fund s
103 383,733,000
1.85
Total 18, 687
15, 727, 276, 282 75. 80
INTERNATIONAL 1. Re tail
65 2,453,000
0.01 2. Institutional
456 5,018,891,470
24.19
Total 521
5, 021, 344, 470 24. 20
TOTAL 19, 208
20, 748, 620, 752 100. 00
as of 30 June 2007 De s c ription
250 500
750 1,000
1,250 1,500
1,750 2,000
2,250 2,500
2,750 3,000
3,250 3,500
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BMRI JCI
1
Bank Mand iri Pre se ntation Conte nts
Re sults Ove rvie w Pag e
H1 Financial Hig hlig hts 2
Quarte rly Loan Growth LDR 3
Quarte rly Fund ing Mix De p osit Costs 4
Quarte rly Ne t Inte re st Marg ins 5
Quarte rly Fe e s Commissions 6
Quarte rly Ove rhe ad Exp e nse s De tail 7
Quarte rly NPL Move me nt Asse t Quality 8 – 9
Provisioning Collate ral 10
Quarte rly Analysis of NPL Downg rad e s 11
Top NPL De b tor De ve lop me nts 12
NPL Re solution Prog ram 13
Op e rating Profit, Core Earning s, PAT 14 – 15
Op e rating Pe rform ance Hig hlig hts
SBU Ove rvie w 17 – 19
Corp orate Banking 20 – 22
Tre asury Inte rnational Banking 23
Comme rcial Banking 24 – 25
Micro Re tail Banking 26 – 28
Consume r Finance 29 – 32
2007 Goals 33
Sup p orting Mate rials 34 – 73
Re sults Ove rvie w Pag e
H1 Financial Hig hlig hts 2
Quarte rly Loan Growth LDR 3
Quarte rly Fund ing Mix De p osit Costs 4
Quarte rly Ne t Inte re st Marg ins 5
Quarte rly Fe e s Commissions 6
Quarte rly Ove rhe ad Exp e nse s De tail 7
Quarte rly NPL Move me nt Asse t Quality 8 – 9
Provisioning Collate ral 10
Quarte rly Analysis of NPL Downg rad e s 11
Top NPL De b tor De ve lop me nts 12
NPL Re solution Prog ram 13
Op e rating Profit, Core Earning s, PAT 14 – 15
Op e rating Pe rform ance Hig hlig hts
SBU Ove rvie w 17 – 19
Corp orate Banking 20 – 22
Tre asury Inte rnational Banking 23
Comme rcial Banking 24 – 25
Micro Re tail Banking 26 – 28
Consume r Finance 29 – 32
2007 Goals 33
Sup p orting Mate rials 34 – 73
2
Ke y Financial Hig hlig hts
Org anization Struc ture
71.9 3.9
13.9 Ne t NPL Ratio
28.1 58.3
45.5 Low Cost Fund s Ratio
Chang e H1 2007
H1 2006
162.6 2,140 tn
Rp 815 b n Earning s Afte r Tax
13.1 41.1
47.3 Efficie ncy Ratio
25.0 5.5
4.4 NIM
7.9 Rp 116.3 tn
Rp 107.8 tn Loans
Bank Mand iri’s H1 2007 Pe rformance continue d to d e monstrate marke d imp rove me nts in a numb e r of ke y ind icators:
Unaud ite d consolid ate d numb e rs Includ ing non-re curring inte re st income : 1 6.0 ; 2 38.7
1
2
3
1.8 7.9
Q oQ G rowth YoY G rowth
4 3
.0 4
8 .3
6 5
.4 7
5 .9
9 4
.4 9
9 .5
1 4
.0 1
6 .9
1 6
.9 1
5 .1
1 7
.8 1
8 .8
1 1
7 .7
1 1
4 .3
1 1
6 .3
42.5 57.3
55.9 56.4
Q 4
Q 4
1 Q
4
2 Q
4
3 Q
4
4 Q
1
5 Q
2
5 Q
3
5 Q
4
5 Q
1
6 Q
2
6 Q
3
6 Q
4
6 Q
1
7 Q
2
7
Loans Rp tn LD R
37.7 35.1
35.7 32.9
32.6
8.5 10.8
11.5 11.8
51.3 45.2
42.3 44.0
44.7 53.6
50.5 40.2
32.5 31.6
22.2 8.6
8.6 9.0
1.9 1.9
2.1 12.6
12.7 12.2
1.5
Q 4
2 Q
4 3
Q 4
4 Q
1 5
Q 2
5 Q
3 5
Q 4
5 Q
1 6
Q 2
6 Q
3 6
Q 4
6 Q
1 7
Q 2
7
LDR at 56.4 on 7.9 Y-o-Y consolid ate d g rowth
Quarte rly Loan Data – Cons olidate d
1.99 6.78
2.125 Micro
8.43 9.39
9.007 Small
11.89 8.08
12.705 Consume r
100. 0 6. 81
