65
IDR billion Cons
3Q 2013 2Q 2013
FY 2012 3Q 2012
Y-o-Y
Gross Loans
450,766 428,686
388,830 365,163
23.44 Government Bonds
82,188 79,627
78,936 77,915
5.48 Total Assets
700,083 672,173
635,619 588,406
18.98 Customer Deposits
514,221 502,370
482,914 430,916
19.33 Total Equity
83,742 79,462
76,533 71,295
17.46 RoA - before tax p.a.
3.35 3.33
3.54 3.45
RoE – after tax p.a.
21.35 21.09
22.55 22.18
Cost to Income
42.26
42.11 45.47
43.26 NIM p.a.
5.41
5.34 5.46
5.41 LDR
87.26 84.95
80.11 84.37
Gross NPL Total Loans
1.90
1.89 1.87
2.04 Provisions NPLs
187.60
185.49 193.43
189.59 Tier 1 CAR
13.54
13.87 13.60
14.01 CAR Under Basel III
- -
17.32 -
Total CAR incl. Credit, Opr Market Risk
15.14
15.55 15.48
16.08 EPS Rp
549 355
664 477
15.14 Book ValueShare Rp
3,589 3,406
3,280 3,056
17.46
Bank Only
Tot al
Asse ts
grew 19.0 Y
-o -Y
to Rp700.1
tn
Tot al Asse
ts Rp
tn Con
sol id
a ted
176.9 153.5
148.8 122.9
93.1 92.1
92.2 92.3
91.0 90.6
90.6 89.5
90.8 89.5
88.6 88.4
88.5 88.3
88.4 88.2
88.4 89.1
86.8 83.5
82.2 78.1
78.2 77.9
78.1 78.5
78.4 80.4
77.9 78.9
79.2 79.6
82.2
43.0 48.3
65.4 65.4
75.9 106.9
105.1 107.8
108.8 117.7
114.3 116.3
121.7 138.5
135.5 149.6
162.8 174.5
175.2 181.6
188.3 198.5
201.9 218.0
231.9 246.2
251.8 276.7
297.5 314.4
327.2 350.4
365.2 388.8
391.6 428.7
450.8
27.0 33.4
60.5 36.1
50.6 64.5
57.6 55.1
54.0 59.2
56.1 59.2
61.2 91.1
75.5 66.7
67.4 95.7
84.1 89.0
89.8 106.9
110.6 100.6
95.3 125.5
136.1 120.3
126.4 159.1
141.3 140.9
145.3 167.9
169.7 163.9
167.1
40 80
120 160
200 240
280 320
360 400
440 480
520 560
600 640
680 720
760 800
4Q 00 4Q 01
4Q 02 4Q 03
4Q 04 4Q 05
1Q 06 2Q 06
3Q 06 4Q 06
1Q 07 2Q 07
3Q 07 4Q 07
1Q 08 2Q 08
3Q 08 4Q 08
1Q 09 2Q 09
3Q 09 4Q 09
1Q 10 2Q 10
3Q 10 4Q10
1Q11 2Q11
3Q11 4Q11
1Q12 2Q12
3Q12 4Q12
1Q13 2Q13
3Q13
G ove
rnme nt
B ond
s Loa
ns O
the r Ass
e ts
75 .4 75
.4 74
.1 60
.6 40
.9 47
.1 34
.8 32
.3 32
.4 25
.4 19
.6 17
.7 16
.6 13
.4 11
.2 8.5
6.1 7.3
7 .2
6.0 6.5
7 .3
19 .0
19 .0
19 .0
34 .1
46 .9
50 .1
52 .2
56 .8
57 .2
63 .6
68 .3
76 .0
71 .7
76 .5
75 .5
79 .5
90 .9
83 .4
88 .6
87 .9
88 .4
89 .1
88 .6
In t.
fro m
B o
n d
s In
t. fro
m Loa
n s
67
Recoveries of Written off
Loans
Aggregate of Rp34.748 tn US 3.001 bn in written-off loans as of end-of September 2013, with significant recoveries and write back on-going:
2001: Rp2.0 tn
2002: Rp1.1 tn
2003: Rp1.2 tn
2004: Rp1.08 tn
2005: Rp0.818 tn US 83.2 mn
2006: Rp3.408 tn US 378.5 mn
2007: Rp1.531 tn US 249.3 mn
2008: Rp2.309 tn US 211.8 mn
9 Mo 09:
Rp1.489 tn US 146.4 mn
Q4 09: Rp0.775 tn US 82.5 mn
Q1 10: Rp0.287 tn US 31.6 mn
Q2 10: Rp0.662 tn US 73.0 mn
Q3 10: Rp0.363 tn US 40.7 mn
Q4 10: Rp1.349 tn US149.7 mn
Q1 11: Rp0.468 tn US53.8 mn
Q2 11: Rp0.446 tn US51.9 mn
Q3 11 : Rp0.508 tn US57.8 mn
Q4 11 : Rp0.78 tn US86.1 mn
Q1 12 : Rp1.647tn US180.1mn
Q2 12: Rp0.721tn US76.8mn
Q3 12: Rp0.489tn US51.1mn
Q4 12: Rp0.885tn US91.8mn
Q1 13: Rp0.918tn US94.5mn
Q2 13: Rp0.683tn USD68.8mn
Q3 13: Rp0.630tn USD54.4m
including the write-back of RGM loans totaling Rp2.336 tn Including the write back of Kharisma Arya Paksi loans totaling Rp 0.124 tn and Gde Kadek Rp0.59tn.
68
Summary BS
3Q Q
Q Q
3Q Y-o-Y
Rp tn Rp tn
Rp tn Rp tn
Rp tn
Total Assets 700.08
672.17 640.60
635.62 588.41
19.0 Cash
14.35 12.25
11.68 15.29
11.48 25.1
Current Acc w BI other banks 59.88
51.62 63.16
47.92 45.05
32.9 Placement w BI other banks
35.47 47.59
38.96 48.32
43.38 18.2
Securities 18.38
15.87 14.00
11.05 10.98
67.4 Government Bonds
82.19 79.63
79.23 78.94
77.92 5.5
- Trading 1.18
1.20 2.63
2.18 1.76
33.3 - AFS
57.56 55.13
54.36 53.37
52.77 9.1
- HTM 23.45
23.30 22.25
23.39 23.39
0.3 Loans
450.77 428.69
391.64 388.83
365.16 23.4
- Performing Loans 442.13
420.52 383.48
381.53 357.66
23.6 - Non-Performing Loans
8.63 8.16
8.17 7.30
7.50 15.0
Allowances 16.16
15.12 14.46
14.10 14.20
13.8 Loans
– Net 434.61
413.56 377.18
374.73 350.96
23.8 Total Deposits
– Non Bank 514.22
502.37 467.02
482.91 430.92
19.3 - Demand Deposits
113.02 113.02
94.52 113.91
91.44 23.6
- Savings Deposits 217.72
206.57 195.67
202.22 180.21
20.8 - Time Deposits
183.48 182.78
176.83 166.79
159.27 15.2
“ha eholde s E uit 83.74
79.46 81.03
76.53 71.30
17.5
incl. Minority Interest
69
Summary PL 3Q 2013
2Q 2013 3Q 2012
Y-o-Y Q-o-Q
Rp Bn of
Av.Assets Rp Bn
of Av.Assets
Rp Bn of
Av.Assets
Interest Income
12,683 7.5
11,713 7.1
10,929 7.6
16.0 8.3
Interest Expense
4,403 2.6
4,030 2.5
3,654 2.6
20.5 9.2
Net Interest Income
8,280 4.9
7,682 4.7
7,275 5.1
13.8 7.8
Net Premium Income
698 0.4
713 0.4
550 0.4
26.8 2.1
Net Interest Income Premium Income
8,978 5.3
8,395 5.1
7,825 5.5
14.7 6.9
Other Non Interest Income Other Fees and Commissions
2,132 1.3
2,105 1.3
1,773 1.2
20.3 1.3
Foreign Exchange Gains – Net
881 0.5
398 0.2
247 0.2
257.4 121.2
Gain from Incr. in value of sec sale of Gov.Bonds
108 0.1
115 0.1
97 0.1
na 6.8
Others
899 0.5
864 0.5
731 0.5
23.0 4.0
Total Non Interest Income
3,805 2.3
3,252 2.0
2,848 2.0
33.6 17.0
Total Operating Income
12,783 7.6
11,647 7.1
10,673 7.5
19.8 9.8
Provisions, Net
1,494 0.9
1,422 0.9
996 0.7
50.0 5.0
Personnel Expense
2,679 1.6
2,336 1.4
1,869 1.3
43.3 14.6
GA Expenses
2,375 1.4
2,322 1.4
2,071 1.4
14.7 2.3
Loss from decr in value of sec Gov Bonds
- -
- -
- -
na na
Other Expenses
429 0.3
409 0.2
578 0.4
25.8 4.9
Total Expense
5,483 3.3
5,067 3.1
4,518 3.2
21.4 8.2
Profit from Operations
5,807 3.5
5,158 3.1
5,160 3.6
12.5 12.6
Non Operating Income
65 0.0
69 0.0
33 0.0
94.7 6.5
Net Income Before Tax
5,871 3.5
5,227 3.2
5,193 3.6
13.1 12.3
Net Income After Tax
4,509 2.7
3,991 2.4
3,973 2.8
13.5 13.0
of Average Assets on an annualized basis
Ministry of Finance
Market Sale Bank
Indonesia
•
BI will gradually replace their use of SBI for market operations with SUN
•
BI could buy the Recap bonds gradually and this includes potential purchases of SUN VR
•
The Ministry of Finance will consider to buyback the SUN VR
•
Potential for debt switching with a different tenor of fixed rate bonds.
•
Bundle the recap bonds with assets creating an asset backed security and sell it to the market.
•
Sell the bonds, borrowing FX and use the liquidity to increase lending.
70
71
Maturity Rp bn
Trading Portfolio Available for Sale
Held to Maturity
Nominal MTM
Nominal MTM
Fixed Rate Bonds 1 year
42 43
3,384 3,504
552 1 - 5 year
395 396
5,333 5,072
848 5 - 10 year
239 220
3,428 2,945
196 10 year
549 516
313 311
111 Sub Total
1,225 1,175
12,457 11,832
1,707
Variable Rate Bonds 1 year
- -
- -
- 1 - 5 year
- -
11,790 11,673
21,745 5 - 10 year
- -
34,451 34,056
- 10 year
- -
- -
- Sub Total
- -
46,241 45,729
21,745
T o t a l
1,225 1,175
58,697 57,561
23,452
Gov’t Bond Portfolio by Type and Maturity Rp82,188bn
Q Q
Q Q
Realized GainsLosses
on Bonds 206.74
31.1 -0.41
-68.2 Unrealized
GainsLosses on Bonds
5.82 4.99
-128.3 3.25
Total 360.64
36.09 -128.71
-64.95
Q3 ’13 Gov’t Bond GainsLosses Rp bn
Mark to Market impacts Profit Mark to Market impacts Equity
Nominal value
45.73 21.75
1.18
11.83
1.71 10
20 30
40 50
60 70
Trading AFS
HTM
Fixed Rate Variable Rate
Bonds by Rate Type Portfolio as of September 2013 Rp bn
72
Stated in Rp Millions
Moody’s Fitch
Outlook STABLE
Outlook STABLE
Long Term Rating Baa3
LT FC Issuer Default BBB-
Foreign LT Bank Deposits Baa3
LT LC Issuer Default BBB-
Local LT Bank Deposits Baa3
Subordinated Debt NR
Senior Unsecured Debt WR
ST Issuer Default Rating F3
Bank Financial Strength D
Individual Rating WD
Foreign Currency ST Deposits P-3
Support Rating 2
Local Currency ST Deposits P-3
“ta dard Poor’s Pefindo
Outlook STABLE
Outlook STABLE
LT Foreign Issuer Credit BB+
LT General Obligation idAAA
LT Local Issuer Credit BB+
Subordinated Debt idAA+
ST Foreign Issuer Credit B
ST Local Issuer Credit B
73
74
Dividend Payment
Net Profit for the financial year of 2012 of Rp15.504.066.523.686,20 was distributed as follows:
• 30, or 4.651.219.957.105,86, for the annual dividend • Total Dividend Payment of Rp199.33 per share
Schedule : a. Cum Date:
Regular and Negotiated Market: April 26, 2013
Cash Market: May 01, 2013
b. Ex Date: Regular and Negotiated Market:
April 29, 2013 Cash Market:
May 02, 2013 c. Payment Date:
May 16, 2013 Net Profit for the financial year of 2011 of Rp12,246,043,872,179.50
was distributed as follows: • 20, or Rp2,449,208,774,435.90, for the annual dividend
• Total Dividend Payment of Rp104.96 per share
75
354 ,042
5,004 2,957
8 25
13,514 8,336
373,862
Beg. Bal. DG to 2 UG from
2 DG to
NPL UG from
NPL Net
Disburs. FX Impact End Bal.
Category 1 Loan Movements Rp bn – Bank Only
Category 2 Loan Movements Rp bn – Bank Only
14,482 5,004
2,957 1,031
75 783
349 15,139
Beg. Bal. Cat. 1 DG UG to 1 DG to
NPL NPL UG
Net Disburs.
FX Impact End Bal.
76
Loan Profile: Q3 Collectability by Segment Bank Only
96.7 96.2
88.9 89.5
91.5 1.7
2.9 9.4
7.1 5.3
0.0 0.2
0.4 0.6
0.4 1.6
0.6 1.0
2.1 2.1
Corp Comm
Cons Micro
Small
5 4
3 2
1
155,509
106,968
49,046 22,271
40,069
2,666
3,183
5,190
1,760 2,340
2,589
698
565
511 910
10,000 20,000
30,000 40,000
50,000 60,000
70,000 80,000
90,000 100,000
110,000 120,000
130,000 140,000
150,000 160,000
Corp Comm
Cons Micro
Small Loan Profile: Q3 Collectability Rp bn by Segment
Bank Only
77
Curr e
n t
30 Day
s O D
ai l:
Qua
rterl
y by
Day
s Past Due
erl y
DG to
N P
L In
ter es
t DP
D -
B an
k O
n ly
11,161 6,901
1,177 4,106
1,558 1,304
1,031 1,644
235 783
561 134
503 596
325 1,858
1,975 297
480 283
851 617
454 552
1,284 357
605 503
553 649
379 545
796 353
562 2,000
Q1 05 Q2 05
Q3 05 Q4 05
Q1 06 Q2 06
Q3 06 Q4 06
Q1 07 Q2 07
Q3 07 Q4 07
Q1 08 Q2 08
Q3 08 Q4 08
Q1 09 Q2 09
Q3 09 Q4 09
Q1 10 Q2 10
Q3 10 Q410
Q111 Q211
Q311 Q411
Q112 Q212
Q312 Q412
Q113 Q213
Q313 Rp
Bn Va
lu
e
Quart erl
y N
P L
St ock
In ter
es t
DP D
- B
an k On
ly
17,456 24,962
24,193 26,248
26,424 25,665
25,414 17,960
17,180 16,500
13,603 10,654
6,558 6,510
6,586 7,833
9,678 7,700
6,099 4,505
3,589 3,668
3,985 3,929
4,301 4,261
4,983 4,805
4,927 4,643
4,644
4,496 4,812
4,863 5,006
5 ,000
10,000 15
,000 20,000
25 ,000
30 ,000
Q1 05 Q2 05
Q3 05 Q4 05
Q1 06 Q2 06
Q3 06 Q4 06
Q1 07 Q2 07
Q3 07 Q4 07
Q1 08 Q2 08
Q3 08 Q4 08
Q1 09 Q2 09
Q3 09 Q4 09
Q1 10 Q2 10
Q3 10 Q410
Q111 Q211
Q311 Q411
Q112 Q212
Q312 Q412
Q113 Q213
Q313 Rp
Bn …
Ex clu
d in
g M
ic ro
Con su
mer Loa
n s
On ly
10 20
30 40
50 60
70
Curr e
n t
30 Day
s O D
78 29
,542 23
,987 2
1 ,0
4 5
19 ,427
20,914 20
,645 16,560
17,104 16,046
15 ,271
16 ,278
15,334 14,131
13 ,646
13 ,546
13 ,534
14 ,236
14 ,170
13,957 11
,671 11,689
11 ,945
12,503
2002 A d
d D
e d
uc t
2003 A d
d D
e d
uc t
2004 A d
d D
e d
uc t
2005 A d
d D
e d
uc t
2006 A d
d D
e d
uc t
2007 A d
d D
e d
uc t
2008 A d
d D
e d
uc t
2009 A d
d D
e d
uc t
Q 1
10 A
d d
D e
d uc
t Q2
1 A
d d
D e
d uc
t Q
3 10
A d
d D
e d
uc t
Q4 1
A d
d D
e d
uc t
Q1 1
1 A
d d
D e
d uc
t Q
2 11
A d
d D
e d
uc t
Q 3
11 A
d d
D e
d uc
t Q4
1 1
A d
d D
e d
uc t
Q1 1
2 A
d d
D e
d uc
t Q
2 12
A d
d D
e d
uc t
Q 3
12 A
d d
D e
d uc
t Q
4 12
A d
d D
e d
uc t
Q 1
13 A
d d
D e
d uc
t Q2
1 3
A d
d D
e d
uc t
Q 3
13 Others
Write-Offs Repayments
Restructuring Balance
IDR bn
Others includes partial payments, FX impacts, and fluctuation in Working Capital facilities
Loans by Restructuring Type in 3Q 2013
Maturity extension;
53.4
Maturity extension
wreduced rates; 6.3
Maturity extension
wother restrg;
36.9 LT loans
wconvert; 2.7
Additional loans; 0.3
Other Restructuring includes reduction of interest rates, rescheduling of unpaid interest extension of repayment period for unpaid interest
Restructured Loan Movement 2002 - 3Q 2013
Rp billions Q1
Q2 Q3
Q4 Q
Q Q3
Loans Restructured
1,144 202
956 316
586 165
327 NPL Collections
195 164
148 926
113 195
128
79
Plantations 13
Trad-Ret 8
Mf g
-Chem 8
Mf g
-RawM 3
Plantations Bus Serv
Trad-Ret Trans
Mfg-Chem Trad-Distr
Mfg-FB Others
Mfg-Oth Mining-Oil Gas
Constr Trading-Oth
Utilities Mfg-Metal
Mfg-RawM
1 Non-consolidated numbers Each sector 4
Excluding Micro Consumer Loans Only
80
Mandiri Credit Card Delinquency Rates
75.60 87.50
62.63 62.02
59.10 61.34
53.75 49.60
46.43 45.90 56.62
69.65 68.11
69.95 81.62
93.39 87.89
95.84 105.82
104.78 98.85 100.19
106.07 102.27
111.79 137.08
129.94 130.32
32.6 40.8
37.5 37.1 29.7 28.6
43.5 45.7
57.3 53.5
63.0 65.6
65.5 63.8
61.5 59.2
64.9 66.5
67.7 82.8
80.5
6.9 8.8
13.9 14.5 17.6 16.9
24.4 23.6 36.0
25.5 28.9
35.9 39.1
38.8 54.0
42.2 56.7
62.0 64.9
72.0
4Q 05
4Q 06
1 Q
07 2Q
07 3Q
07 4Q
07 1
Q 08
2 Q
08 3
Q 08
4 Q
08 1
Q 09
2 Q
09 3
Q 09
4Q 09
1Q 10
2 Q
10 3Q
10 4Q
10 1
Q 11
2Q11 3Q11
4Q11 1
Q 12
2 Q
12 3
Q 12
4 Q
12 1
Q 13
2 Q
13 3
Q 13
NPLs 90+DPD Write-Offs
Recoveries
Quarterly Charge-offs, NPLs Recoveries Rp Bn
10.2 11.7
8.8
6.7 5.4
4.2 5.2
4.8 5.3 5.2
5.7 5.4
5.1 4.7
5.0 4.8
4.6 5.0
5.2 4.8
4.7
5.3 4.3
3.5 2.8
2.2 2.5
2.5 2.7
2.6 2.7
3.0 2.82.6
2.3 2.4
2.4 2.2
2.2 2.7
2.5 2.5
5.0 4.8
3.9 3.3
2.4 2.4
2.2 2.2 2.1
2.2 2.22.2 2.3
2.2 2.2
2.2 2.2
2.4 2.5 2.0
1.8 1.3
1.2 1.1
1.1 1.0 1.1
1.1 1.1 1.1
1.1 1.0
1.0 1.1 1.1
1.2
4 Q
05 4
Q 06
1Q 07
2 Q
07 3
Q 07
4 Q
07 1
Q 08
2Q 08
3Q 08
4Q 08
1Q 09
2Q 09
3 Q
09 4
Q 09
1Q 10
2 Q
10 3
Q 10
4 Q
10 1Q11
2 Q
11 3
Q 11
4 Q
11 1
Q 12
2Q12 3Q12
4Q12 1Q13
2Q13 3
Q 13
30 DPD - Rp 90 DPD - Rp
30 DPD - Cards 90 DPD - Cards
Staf fing
and Distribution Networ
k Growth
17,204 17,735
18,397 19,693
21,192 21,062
21,631 22,408
22,909 23,445
24,282 24,954
25,236 25,706
26,327 27,305
27,907 28,183
28,153 28,518
30,762 30,830
31,721 32,905
2001 2002
2003 2004
2005 2006
2007 2008
2009 1Q10
2Q10 3Q10
4Q10 1Q11
2Q11 3Q11
4Q11 1Q12
2Q12 3Q12
4Q12 1Q13
2Q13 3Q13
635 687
730 789
909 924
956 1,027
1,095 1,108
1,180 1,296
1,370 1,381
1,442 1,526
1,537 1,548
1,643 1,733
1,810 1,811
1,835 1,909
2001 2002
2003 2004
2005 2006
2007 2008
2009 1Q10
2Q10 3Q10
4Q10 1Q11
2Q11 3Q11
4Q11 1Q12
2Q12 3Q12
4Q12 1Q13
2Q13 3Q13
3,160 4,000
4,716 5,537
6,025 6,265
7,041 7,851
12,666 14,165
14,359 14,822
18,321 18,581
18,939 21,478
22,794 23,602
28,309 31,139
35,300 35,395
36,123 38,432
2001 2002
2003 2004
2005 2006
2007 2008
2009 1Q10
2Q10 3Q10
4Q10 1Q11
2Q11 3Q11
4Q11 1Q12
2Q12 3Q12
4Q12 1Q13
2Q13 3Q13
1,184 1,559
2,022 2,470
2,560 2,800
3,186 4,120
4,996 4,997
5,224 5,495
6,496 6,505
8,480 8,993
8,996 8,996
10,361 10,466
10,985 10,985
11,454 11,454
2001 2002
2003 2004
2005 2006
2007 2008
2009 1Q10
2Q10 3Q10
4Q10 1Q11
2Q11 3Q11
4Q11 1Q12
2Q12 3Q12
4Q12 1Q13
2Q13 3Q13
Em ploy
ees
D om
es tic
Branc h
N et
w ork
A T
M N
et w
ork
A T
M -Link
N et
w ork
82
3 4
5
30 Days 90 Days
31-60 Days Current
Trad-Ret Trad-Distr
Mfg-FB Bus Serv
Agri Others
Trans Trad-Dom
Soc Serv Mfg-Metal
Constr
IDR
Invest Program
WC
Comm Small
10 20
30 40
50 60
70 80
90 100
Collect. Int. Aging
Sector Currency
Purpose Segment
Loan Profile:Q3 NPL Downgrades Only Rp561.877bn Bank Only
Excluding Micro Consumer Loans Only
Corporate, Commercial Small Business loans downgraded to NPL in
3Q totaled Rp561.877 billion. Of these loans:
93.08 were more than 90 days overdue on
interest payments
78.99 came from our Small portfolio
Largest downgrades by sector:
Retail Trading
Trade Distribution
Manufacturing – Food Beverage
Business Services
100 were IDR loans
90.19 were Working Capital loans, 9.20
were Investment Loans
83
3 4
5
90 Days 31-60 Days
Current
Mfg-Chem Trad-Ret
Trad-Distr Mfg-Metal
Trad-Dom Mass Trans
Others Mfg-FB
Mfg-PP Bus Serv
USD IDR
Consumer Export
Invest Synd
WC
Comm Corp
Small
10 20
30 40
50 60
70 80
90 100
Collect. Int. Aging
Sector Currency
Purpose Segment
Loan Profile: 3Q Non-Performing Loans Only Rp5,006bn Bank Only
Excluding Micro Consumer Loans Only
21.5 remain current on interest
payments and an additional 1.1 are less than 90 days overdue
52.0 are to Corporate customers
72.1 are Working Capital loans and
16.9 are Investment loans
Primary sectors are:
Chemical Manufacturing
Retail Trading
Trade Distribution
Metal Manufacturing
Domestic Trading
72.1 are Rp loans
7.7 are Cat. 3 8.5 are Cat. 4
Corporate, Commercial Small Business NPLs totaled Rp5,006 Billion in
3Q. Of these NPLs in Q3:
84
Comm Corp
Small
30 Day 1 Day
31-60 Days 61+ Days
Current
Trad-Ret Trad-Distr
Mfg-Chem Others
Soc Serv Mfg-RawM
Agri Constr
Mining Bus Serv
Trad-Dom
USD IDR
Invest Syndication
WC
2004 2000-2004
10 20
30 40
50 60
70 80
90 100
Segment Days Aging
Sector Currency
Purpose Origin Year
Loan Profile: 3Q Downgrades to Cat 2 Only Rp2,460 bn Bank Only
Excluding Micro Consumer Loans Only
Rp2,460 Billion in Corporate, Commercial, Small Business
loans were downgraded to Category 2 in 3Q. Of the Special Mention Loans
downgraded:
53.2 are to Small Business customers
34.9 are for Commercial
13.6 are current 45.2 are less than 30 days overdue in interest payments
Primary sectors downgraded are:
Retail Trading
Trade Distribution
Chemical Manufacturing
92.5 are IDR loans
67.4 are Working Capital loans
85
Comm Corp
Small
30 Days 1 Day
31-60 Days 61- 90 Days
Current
Mfg-Text Trad-Ret
Mfg-Chem Trad-Distr
Others Constr
Utilities Bus Serv
Agri Mfg-RawM
Trans Mfg-Metal
Soc Serv
USD IDR
Invest Program
Syndication WC
2000 2004
2000-2004
10 20
30 40
50 60
70 80
90 100
Segment Days Aging
Sector Currency
Purpose Origin Year
Loan Profile: 3Q Category 2 Loans Only Rp8,189bn Bank Only
Excluding Micro Consumer Loans Only
Rp8,189 billion in Corporate, Commercial Small
Business loans were in Category 2 in 3Q. Of these Special Mention loans:
38.9 are to Commercial customers
40.7 are current or 1 day overdue, with
an additional 30.7 less than 30 days overdue
Primary sectors in Category 2 are:
Textile Manufacturing
Retail Trading
Chemical Manufacturing
73.8 are IDR loans
64.8 are Working Capital loans
60.1 were Category 2 in
Q
86
1 2
Small
Trad-Ret Bus Serv
Constr Trad-Distr
Mfg-Text Others
Trad-Dom Plantations
IDR
Invest Program
WC 2004
2000-2004
10 20
30 40
50 60
70 80
90 100
Collect. Segment
Sector Currency
Purpose Origin Year
Loan Profile: 3Q Upgrades to PL Rp11.38 bn Bank Only
Excluding Micro Consumer Loans Only
Corporate, Commercial Small Business loans upgraded to PL in 3Q
totaled Rp11.38 billion. Of these loans:
100 were to Small Business borrowers
97.8 originated later than 2004
Largest upgrades by sector:
Retail Trading
Business Services
Constructions
100.0 were IDR loans
90.8 were Working Capital loans; 8.5
were Investment loans
87
1 2
Comm Corp
Small
Plantations Bus Serv
Mining
Trans
Trad-Ret Mfg-Chem
Others Mfg-FB
Trad-Distr
Mfg-Oth Constr
Utilities Mfg-Metal
Mfg-RawM
USD IDR
Consumer Export
Invest Syndication
WC
2000 2004
2000-2004
10 20
30 40
50 60
70 80
90 100
Collect. Segment
Sector Currency
Purpose Origin Year
Loan Profile: 3Q Performing Loans Only Rp310,735bn Bank Only
Excluding Micro Consumer Loans Only
Rp310,735bn in Corporate, Commercial Small Business loans were
performing in 3Q. Of these performing loans:
50.9 are to Corporate customers
35.5 are to Commercial customers
93.3 originated since 2005
Primary sectors are:
Plantations
Business Services
Mining
Transportation, warehousing, communication
81.2 are Rupiah loans
50.5 are Working Capital loans; 37.3
are Investment loans
1 2
3 5
30 Days 1 Day
61+ Days Current
Mfg-Chem Mfg-Text
Mfg-PP Trading
Mass Trans Others
Electricity Constr
Mfg-FB Mfg-Metal
Bus Serv
Mining-Oil Gas
USD IDR
Invest Syndication
WC
Comm Corp
Small
10 20
30 40
50 60
70 80
90 100
Collect. Int Aging
Sector Currency
Purpose Segment
88
Loan Profile: 3Q Restructured Loans Only Rp12,507bn Bank Only
Of the remaining Rp12,507 billion in restructured Corporate, Commercial
Small Business loans in 3Q :
Excluding Micro Consumer Loans Only
88.6 are performing
81.6 of Restructured Loans are
current in interest payments
Primary sectors are:
Manufacturing •
Chemicals •
Textiles •
Pulp Paper
Trading
51.8 are Fx loans
57.7 are Working Capital
84.0 are to Corporate customers
3.9 deteriorated in collectability
5.1 showed improved collectability
89
98.4 are performing loans, with
1.7 in Category 2
62.5 of Category 2 loans are
current in interest payments
Primary sectors in Corporate are:
Plantations
Trading
Food Beverage Mfg
Business Services
Oil Gas Mining
73.0 are Rupiah loans
45.3 are Investment loans;
39.1 are Working Capital loans
Loan Profile: 3Q Corporate Loans Only Rp160,776bn Bank Only
Rp160,776billion in loans were in the Corporate portfolio in 3Q. Of the
Corporate Loans in 3Q:
1 2
5
61+ Days Current
Plantations Trading
Mfg-FB Bus Serv
Mining-Oil Gas
Mfg-Chem Comm
Electricity Constr
Mfg-Oth Mining-Oth
Others Mfg-Metal
USD IDR
Export Invest
Syndication WC
2000 2004
2000-2004
10 20
30 40
50 60
70 80
90 100
Collect. Cat. 2 Int. Aging Sector Currency
Purpose Origin Year
90
1 2
5
30 Day 31-60 Days
61+ Days Current
Bus Serv Trad-Distr
Mfg-Chem Mfg-Oth
Mass Trans Trading-Oth
Mfg-RawM Mining
Mfg-Metal Mfg-FB
Others Plantations
Constr
USD IDR
Consumer Export
Invest WC
2000 2004
2000-2004
10 20
30 40
50 60
70 80
90 100
Collect. Cat. 2 Int. Aging Sector Currency
Purpose Origin Year
99.1 are performing loans, with
2.9 in Category 2
33.3 of Category 2 loans are
current in interest payments
Primary sectors in Commercial
are:
Business Service
Distribution Trading
Chemical Manufacturing
85.4 are Rupiah loans
57.7 are Working Capital loans, 32.4 are Investment
loans
Loan Profile: 3Q Commercial Loans Only Rp111,174bn Bank Only
Rp111,174 billion in loans were in the Commercial portfolio in 3Q. Of
the Commercial Loans in 3Q:
91
1 2
4 5
30 Days 1 Day
31-60 Days 61+ Days
Current
Trad-Ret Trad-Distr
Plantations Mfg
Bus Serv Others
Constr Trad-Dom
Household Trans
Soc Serv
IDR
Consumer Export
Invest Program
WC
2000 2004
2000-2004
10 20
30 40
50 60
70 80
90 100
Collect. Cat. 2 Int. Aging Sector Currency
Purpose Origin Year
96.8 are performing loans, with
5.3 in Category 2
12.9 of Category 2 loans are
current in interest payments
Primary sectors in Small Business
are:
Retail Trading
Distribution Trading
Plantations
99.8 are Rupiah loans
77.0 are Working Capital loans
Loan Profile: 3Q Small Business Loans Only Rp43,790bn Bank Only
Rp43,790 billion in loans were in the Small Business portfolio in 3Q of
the Small Business Loans in 3Q:
92
1 2
5
30 Days
1 Day
31-60 Days 61+ Days
Current
Plantations Bus Serv
Trad-Ret Mfg-FB
Trad-Distr Trans
Mfg-Chem Mfg-Oth
Constr Others
Trad-Oth Utilities
Mfg-Metal Mfg-RawM
Comm Corp
Small
Consumer Export
Invest Syndication
WC
2000 2004
2000-2004
10 20
30 40
50 60
70 80
90 100
Collect. Cat. 2 Int. Aging Sector Segment
Purpose Origin Year
98.6 are performing loans, with
2.4 in Category 2
26.9 of Category 2 loans are
current in interest payments
Primary sectors in Rupiah loans
are:
Plantations
Business Services
Retail Trading
Food Beverage Manufacturing
45.8 are Corporate loans
55.0 are Working Capital
loans, 36.2 Investment loans
Loan Profile: 3Q Rupiah Loans Only Rp255,950bn Bank Only
Rp255,950 billion in loans were Rupiah denominated in 3Q Of the
Rupiah Loans in 3Q:
Excluding Micro Consumer Loans Only
93
1 2
5
30 Days
1 Day
31-60 Days 61+ Days
Current
Mining-Oil Gas
Trading Mfg-Chem
Mining-Coal Plantations
Mfg-Oth Trans
Mfg-Metal Bus Serv
Mining-Metal Ore
Utilities Others
Mfg-Text
Comm Corp
Small
Export Invest
Syndication WC
2000 2004
2000-2004
10 20
30 40
50 60
70 80
90 100
Collect. Cat. 2 Int. Aging Sector Segment
Purpose Origin Year
97.7 are performing loans
65.2 of Category 2 loans are
current in interest payments
Primary sectors in FX loans are:
Oil Gas Mining
Trading
Chemical Manufacturing
Coal Mining
72.7 are Corporate loans
39.9 are Investment loans ;
33.4 are Working Capital loans
Loan Profile: 3Q FX Loans Only Rp59,791bn Bank Only
Rp59,791 billion in loans were FX denominated in 3Q. Of the FX
Loans in 3Q:
Excluding Micro Consumer Loans Only
Loan growth, qual it
y provi
si oni
n g
rel at
ive t o
peers
Bank Onl y,
As of Jun
2013
385 207
204 111
102 102
95 86
75 26
BCA BRI
Mandiri CIMB Niaga
Danamon Panin
Permata BTN
BNI BII
R at
io of
Prov is
ions t
o N
PL
391,768 375,204
280,380 213,034
137,428 96,367
96,071 95,317
84,507 76,339
BRI Mandiri
BCA BNI
CIMB Niaga Danamon
Panin Permata
BTN BII
T ot
al Loans
Rp bn
28.5 25.9
