82.8 88.8
93.7 97.1
97.1 102
.9 108.8
121.9 119
.8 126.5
135.4 151.8
150.4 159.9
166.2 186.9
179.9 189.8
198.8 8.2 8.3
8.7 9.7 9.9 10.811.6
11.612.312.7 12.2
12.013.4 13.614.0
15.315.816.8 19.0
44.5 47.3
45 .7
53.9 47.8
50.3 39.9
46.2 45
.3 47.9
49.4 67.3
75.0 59.0
63.0 77
.9 61.2
74.6 63
.9
20.318.3 21.1
18.822.023.122.9 22.225.422.3
24.0 25.3
28.228.028.5 36.1
33.3 38.5
49.2
99.6 105.7
109.3 108.4
124.4 127.8
127.0 147.8
14 3.5
140 .8
140.0 148.1
120 .8
137.5 138.9
150.7 152.8
153.7 155.2
16.7 18.7
17.1 15.1
11.8 11.711.1
12.510.312.4 15.3
17.8 15.6
20.3 20.4
16.1 24.0
29.0 28.2
20 40
60 80
100 120
140 160
180 200
220 240
260 280
300 320
340 360
380 400
420 440
460 480
500 520
1Q 09
2Q 09
3Q 09
4Q 09
1Q 10
2Q 10
3Q 10
4Q 10
1 Q
11 2Q
11 3Q
11 4
Q 11
1Q 12
2Q 12
3Q 12
4Q 12
1Q 13
2Q 13
3Q 13
FX Time Rp Time
FX Demand Rp Demand
FX Savings Rp Savings
64 .1
65.8 68.8
69.8 74.5
80 .7
84.2 85.4
85.1 96
.2 103.2
106.2 113.0
119.2 123.2
126.3 124
.7 124.3
130.9 4.4 4.4 4.2 4.5
0.2 0.4 1.3 1.4 1.6
1.5 1.7 1.4
1.3 1.5 1.6 1.8 1.6 1.5
1.7 40.6
41.9 43.6
49 .1
49.1 53
.1 57.5
63.8 64.7
70.1 74
.7 80.7
82.5 89.8
93.3 102.7
102.0 104.2
111.0
19 .7
20.6 21.7
23.6 24.7
26 .7
28.6 30
.7 32.4
34.3 36.3
39.0 40.7
43.3 44.5
47.7 49
.3 52.4
55.2
14.115.5 16.3
17.117.7 19.3
20.5 22.723.3
25.8 27.6
30.2 30.9
33.1 35.0
38.4 38.442.5
43.7
4.6 4.8 5.1
5.4 5.6 6.0
6.5 7.3 7.7
8.5 9.5
11.8 13.1
15.1 16.8
19.0 20.7 23.9
24.9
12.611.5 11.2
10.3 9.7 9.1
8.6 7.8 6.7
6.1 6.1
4.6 4.8
4.8 4.9
4.0 3.9 3.9
4.2 22.6
24.3
16.817.1 17.6
18.820.4 22.7
24.6 27.230.3
34.2 38.4
40.5 40.9
43.6 46.0
48.950.9 53.5
54.9
20 40
60 80
100 120
140 160
180 200
220 240
260 280
300 320
340 360
380 400
420 440
460
1Q 09
2Q 09
3Q 09
4Q 09
1Q 10
2Q 10
3Q 10
4 Q
10 1Q
11 2Q
11 3Q
11 4Q
11 1Q
12 2Q
12 3
Q 12
4Q 12
1Q 13
2Q 13
3Q 13
Subsidiaries Inst
SAM Micro
Small Cons
Comm Intl
Corp
Y-o-Y
38.6
11.8
72.6 1.4
19.6 Y-o-Y
48.6 24.9
24.1
Loans by SBU + Subsidiaries Rp Tn
18.9
6.3
Deposits by Product – Consolidated
Rp Tn
Previously booked in Corporate Banking Loans from Treasury International have been reallocated to Corporate following
the reorganization in early 2010
6.9
35.5 23.4
450.8tn
Total Total
430.9tn 514.2tn
19.3
13.9 19.4
8
365.2tn
Total Wholesales Fees Rp3.2Tn
1
Total Wholesale Low Cost Deposits Rp87.2Tn
Growth of Tx cash management 83.9 YoY
2
Total Retail Fees of Rp6.2 Tn
1
Total Retail Low Cost Funds Rp234.1Tn
YoY increase in of E-channel transaction: 5.6
Total Retail Loans of Rp123.8 Tn
Assets Spread Rp6.7 Tn
31.3 of total loans
Pillar 1 Pillar 2
Pillar 3
1 Fee-Based Provision, Commission Fee 2 Excluding Mandiri Transaction System
Wholesale Transactions, Retail Payments High Yield Loans
9
Strengthen leadership in wholesale transaction banking
Comprehensive financing transaction solutions
Holistic relationship approach for leading Indonesian institutions
Build 1 or 2 positions in key retail financing segments
Win in mortgage, personal loan cards
Become a major player in micro- banking
Champion Syariah in Indonesia
Be the retail deposit bank of choice
Win through differentiated customer experience and targeted propositions
Deploy innovative payment solutions
Assets 3Q 2013
3Q 2012 Liabilities
3Q 2013 3Q 2012
Cash 14,352
11,476 Current Account
113,022 91,441
Current Acc w BI Other Banks 59,876
45,046 Savings
217,723 180,206
Placement w BI Other banks 35,474
43,378 Time Deposits
183,475 159,269
Advances Other 20,448
12,756 Marketable Securities
18,375 10,977
Total Deposits
514,221 430,916
Government Bonds 82,188
77,915 Loans Gross
450,766 365,163
Securities Issued 1,787
1,605 Provisions of Loans
16,157 14,203
Deposits from other banks 30,131
27,938 Reverse Repo
1,585 6,793
Borrowings 13,769
12,141 Other Provisions
2,024 1,512
Other Int. Bearing Liabilities
13,854 9,515
Investments 11,627
10,616 Non Int. Bearing Liabilities
42,578 34,995
Deferred Tax Assets 2,968
2,633 Equity incl. Minority
Interest 83,742
71,295 Other Assets
20,607 17,368
Total 700,083
588,406 Total
700,083 588,406
Rp Bn, Consolidated
10
11
Summary PL
Q ’ Q ’
Q ’ 9M’
9M’ 9M Y-o-Y
Q-o-Q Y-o-Y
Rp Bn Rp Bn
Rp Bn Rp Bn
Rp Bn ∆ ℅
∆ ℅ ∆ ℅
Interest Income 12,683
11,713 10,929
35,798 31,152
14.9 8.3
16.0 Interest Expense
4,403 4,030
3,654 12,380
11,190 10.6
9.2 20.5
Net Interest Income
8,280 7,682
7,275 23,418
19,962 17.3
7.8 13.8
Net Premium Income 698
713 550
2,021 1,649
22.6 2.1
26.9
Net Interest Inc. Premium Inc.
8,978 8,395
7,825 25,439
21,611 17.7
6.9 14.7
Other Non Interest Income Other Fees and Commissions
2,132 2,105
1,773 6,098
5,314 14.8
1.3 20.2
Foreign Exchange Gains – Net
881 398
247 1,506
862 74.7
121.2 256.7
Gain fr. sale Incr. in Val of Bonds 108
115 97
177 82
na na
na Others
899 864
731 2,904
2,325 24.9
4.0 23.0
Total Non Interest Income
3,805 3,252
2,848 10,330
8,583 20.4
17.0 33.6
Total Operating Income 12,783
11,647 10,673
35,769 30,193
18.5 9.8
19.8 Provisions, Net
1,494 1,422
996 4,005
2,795 43.3
5.0 50.0
Personnel Expenses 2,679
2,336 1,869
7,057 5,674
24.4 14.6
43.3 GA Expenses
2,375 2,322
2,071 6,731
5,689 18.3
2.3 14.7
Loss from decr. in value of Sec Bonds -
- -
- -
- -
- Other Expenses
429 409
578 1,404
1,663 15.6
4.9 25.8
Total Expense 5,483
5,067 4,518
15,192 13,026
16.6 8.2
21.4
Profit from Operations
5,807 5,158
5,160 16,572
14,372 15.3
12.6 12.5
Non Operating Income 65
69 33
177 232
23.7 6.5
97.0 Net Income Before Tax
5,871 5,227
5,193 16,749
14,604 14.7
12.3 13.1
Net Income After Tax
4,509 3,991
3,973 12,803
11,119 15.1
13.0 13.5
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 63.2
62.2 62.8
61.4 64.1
66.3 71.7
67.6 70.2
75.9 78.7
74.1 80.7
83.4 84.4
80.1 83.5
85.0 87.3
1Q 09
2Q 09
3Q 09
4Q 09
1 Q
10 2Q
10 3Q
10 4Q
10 1Q
11 2Q
11 3Q
11 4Q
11 1Q
12 2
Q 12
3Q 12
4Q 12
1Q 13
2Q 13
3Q 13
Loans Rp tn LDR
1.4 3.73.7
5.5 1.7
7.9 6.4
6.2 2.3
9.9 7.5
5.7 4.1 7.1
4.2 6.5
0.7 9.5
5.1 30.5
21.4 15.7
13.8 15.3
20.0 23.2
24.0 24.7
26.9 28.3
27.7 30.0
26.6 22.8
23.7 19.7
22.3 23.4
1Q 09
2Q 09
3Q 09
4 Q
09 1Q
10 2Q
10 3Q
10 4Q
10 1Q
11 2Q
11 3Q
11 4Q
11 1
Q 12
2Q 12
3Q 12
4Q 12
1Q 13
2Q 13
3Q 13
QoQ Growth YoY Growth
Quarterly Loan Data
Consolidated
78.8 79.7
82.0 82
.7 82.9
88.7 92.8
93.6 92.5
1 3
.1 110
.4 111.
7 1
1 8
.6 1
2 5
.2 129.
3 131.
7 129.
9 151.
9 153.
5 42
.6 43.6
45.3 50.6
50.4 54.2
58.6 64
.7 6
4 .5
70.7 75.3
81.1 82.9
90.1 93.6
103. 102
.3 104.
4 118.
2
14.415.8 16.6
17.4 18.0 19.7
20.7 22.8 24.5
25.9 27.7
30.3 30.9
33.2 35.1 38.5
38.5 42.5
44.1
4.6 4.8 5.1
5.4 5.6 6.0
6.5 7.3 7.7
8.5 9.5
11.8 13.1
15.1 16.8
19.0 20.7
23.9 24.9
19.720.6 21.7
23.6 24.8 26.7
28.6 30.7 32.4
34.3 36.3
39.0 40.7
43.3 44.5
47.7 49.3 52.4
55.2
1 Q
9 2
Q 9
3 Q
9 4
Q 9
1 Q
10 2
Q 1
3 Q
1 4
Q 1
1 Q
1 1
2 Q
1 1
3 Q
1 1
4 Q
11 1
Q 1
2 2
Q 1
2 3
Q 1
2 4
Q 1
2 1
Q 1
3 2
Q 1
3 3
Q 1
3
Corporate Commercial
Small Micro
Consumer
Quarterly Loan Segment Details
Bank Only
Y-o-Y
24.1 48.6
25.6
26.3
18.8 24.0
Total
13.9 6.3
11.1
29.8
38.8
Break down
As of Sep 2013; Non-consolidated numbers
12
34 .56
35 .24
3 7
.8 3
36 .49
35 .64
31 .15
29 .19
29 .75
30 .62
33 .96
35 .68
38 .86
38 .60
41 .87
44 .44
40 .35
41 .88
4 5
.4 7
45 .73
49 .62
48 .17
53 .29
59 .79
104.5
95.9 111.0
80.5 78.3
68.5 61.9
68.2 71.7
76.3 80.7
86.6 82.9
91.5 89.0
75.8 76.0
76.2 75.4
76.4 68.0
65.1 64.3
50 60
70 80
90 100
110 120
Ma r
8 Ju
ne 8
Sep 8
Dec 8
Ma r
9 Ju
ne 9
Sep 9
Dec 9
Ma r
10 Ju
ne 1
Sep 1
Dec 1
Ma r
1 1
Ju ne
1 1
Sep 1
1 Dec
11 Ma
r 1
2 Ju
n 1
2 Sep
1 2
Dec 1
2 Ma
r 1
3 Ju
n 1
3 Sep
1 3
20 25
30 35
40 45
50 55
60 65
70
Loan Fx LDR FX
USD Billion
Rp Trillion Bank Only
Breakdown of FX lending Bank Only 3Q
Total USD 5.163 Bn
0.02 0.04
0.12 0.23
0.25 0.31
0.38 0.60
0.71 1.16
1.35
Soc Serv Others
Constr Utilities
Bus Serv Trans
Agri Trading
Mining Oil Gas
Manufacturing YoY
41 21
61 61
-4 50
9 12
28 -45
5 FX Loans LDR
13
33.13 16.73
5.53 5.30
5.19
65.89
Corporate Commercial Small
Micro Cons Fin
Total
375.20 65.89
23.73 24.75
4.80 8.89
0.88 395.83
2Q13 Disburs.
Install. Payment Pay-off FX
Impact Write-
Offs 3Q 13
Loan Movement Rp tn – Bank Only Q3 2013
Loan Disbursement by Segment in Q3Rp tn – Bank Only
14
42.6 58.1
72.5 91.9
108 .9
115 .9
11 2.2
134.0 172.9
195 .8
242.4 352.5
400.2 469
.7
13.3 15.4
17.0 25.5
27.5 27.4
28 .4
28 .3
27.2 30.5
35.7 53
.3 62.0
71.1
2000 2001
2002 2003
2004 2005
2006 2007
2008 2009
2010 2011
2012 2013
RWA Rp tn Total Capital Rp tn
31.3
26.4
23.4 27.7
25.3 23.2
24.6 20.8
15.7 15.4
13.4 15.3
15.5 15.1 CAR
308 1,168 1,549
1,744 519
510 1,027 1,390 1,400
2,003 2,681 3,403
4,303 1,300
602 690
1,329 97
305 1,113
1,221 1,526 2,031
2,543 3,744 3,991
967 1,017
1,528 1,408
610 372
1,040 1,345
1,693 2,352
2,850 3,972
4,509
645 799
819 775
623 1,234
1,166 1,390
2,536 2,833
3,073 4,385
2001 2002
2003 2004
2005 2006
2007 2008
2009 2010
2011 2012
2013 Q4 PAT
Q3 PAT Q2 PAT
Q1 PAT
IDR bn
Capital RWA Movement Profit After Tax ROE
21.5 26.2
23.6 22.8
2.5 10.0
15.8 18.1
22.1 24.2
22.0 22.6
21.4 RoE - AT
• CAR inclusive of Credit and Market Risk started in December 2004 • CAR inclusive of Credit, Market and Operational Risk started in January 2010
• CAR under BASEL III in December 2012 was 17.32
15
1,099
1.1Tn from GIAA Recovery
2.8 3.7 4 .3
3.6 4.9 4.7 5 .1
5.5 6.0 5 .4
5.5 5
.3 4
.9 5.3 5.1 5.2 6.0 5.8
5 .1
5.4 5.2 5.4 5 .2
5.5 5.8 5 .7
5.5 5.3 5 .7
4Q 02
4Q 03
4Q 04
4Q 05
4Q 06
4 Q
07 1Q
08 2Q
08 3Q
08 4
Q 08
1Q 09
2Q 09
3 Q
09 4Q
09 1Q
10 2
Q 10
3Q 10
4Q 10
1Q 11
2Q 11
3Q 11
4 Q
11 1Q12
2Q12 3Q12
4 Q
12 1Q13
2Q13 3
Q 13
NIM
13.0
9.5 11.0
9.3 10.1
10.7 9.1
9.8
8.7 9.0
8.7 8.7
8.2 8.1
8.4 8.2
8.1 7.8
8.3 10.8
10.8
6.3 4.8
7.3 4.5
3.8 5.3
4.9 4.0
3.8 3.8
3.7 3.4
3.2 2.8 2.7
2.7 2.8 2.6
2.8
Yield on Assets Cost of Funds
Quarterly Net Interest Margins Quarterly Yields Costs by Currency
5.8 5.1
5.3 6.6
5.8 6.8
6.5 6.6
5.8 6.4
5.2 5.2
5.0 7.2
5.1 4.9
4.7 5.3
4.8 5.4
5.0 4.9
4.5 4.5
5.6 4.0
3.5 3.4
2.7 2.6
3.0 2.7
2.3 2.1
1.5 0.8
0.7 0.8
0.7 0.5 0.3
0.5 0.6
0.6 0.6
0.7 0.7
0.6 0.6
5
4Q 05
4Q 06
4 Q
07 1Q
08 2
Q 08
3 Q
08 4Q
08 1Q
09 2Q
09 3
Q 09
4Q 09
1Q 10
2Q 10
3Q 10
4Q10 1Q11
2Q11 3Q11
4 Q
11 1Q12
2 Q
12 3
Q 12
4Q12 1Q13
2Q13 3
Q 13
13.2 12.0 11.2
12.1 13.2
12.9 12.9
12.8 12.6
12.2 13.1
12.7 12.5
11.8 12.1
11.9 12.5
11.4 11.6 11.8
11.3 11.2
10.8 11.1
10.8 7.7
8.0 9.2
10.3 10.6
8.5 7.2
6.7 6.2
7.3 6.5
4.9 4.1
3.9 4.0
3.4 3.9
4.7 6.9
4.6 4.5
4.0 4.6
5.8 5.9 5.3
4.7 4.4
4.4 4.3
4.1 3.9
3.1 3.0 3.1 3.0
3.3
5 10
15 20
Avg Loan Yield Avg Bond Yield
Avg COF
IDR
FX
16
Breakdown of Q3 2013 Non-Loan Related Fees Commissions Rp Bn
17
Non-Loan Related Fees Commissions Q3-2013 Q2-2013 Q3-2012
Y-o-Y Q-o-Q
9M Y-o-Y Δ
Δ Δ
Administration Fees
608 613
494 23.10
-0.7 17.6
Opening LC, BG Cap Market custodian trustee
192 182
159 21.30
5.5 18.9
Subsidiaries
370 470
344 7.40
-21.3 10.6
Transfer, Retail Transaction
353 309
299 18.10
13.9 18.3
Credit Cards
299 277
250 19.60
7.8 15.8
Mutual Fund, ORI Bancassurance
91 92
87 4.10
-1.3 2.0
Syndications
58 28
19 206.40
104.7 -22.2
Payroll Package
19 19
22 -11.10
3.3 -11.1
Others
142 113
99 43.50
24.9 29.9
Total
2,132 2,105
1,773 20.30
1.3
14.8
Foreign Exchange Gains
881 398
247 257.40
121.2 74.8
Gains Fr Sale Incr. in Value of Sec. Gov. Bonds
-108 -115
97 -210.70
-6.8 115.9
Cash Recoveries
598 658
505 18.50
