…into Fee‐based Income
Non ‐Loan Related Fees
Commissions Q1
‐2010 Q4
‐2010 Q1
‐2011 Y
‐o‐Y
Q1
Q ‐o‐Q
Breakdown of Q1 2011 Non‐Loan Related Fees Commissions Rp bn
Administration Fees
367.58 493.21
447.90 21.9
9.2 Opening
LC, BG Cap Market custodian
trustee 144.89
141.09 107.48
25.8 23.8
Subsidiaries 113.55
168.20 357.15
214.5 112.3
Transfer, Retail Transaction
153.91 190.47
185.53 20.5
2.6 Credit
Cards 169.42
219.36 221.28
30.6 0.9
Mutual Fund, ORI Bancassurance
36.84 62.40
61.42 66.7
1.6 ,
Syndications 17.08
34.38 7.73
54.7 77.5
Payroll Package
14.20 17.51
14.59 2.8
16.7 Others
71.11 106.61
94.03 32.2
11.8
Total 1,088.56
1,433.24 1,497.12
37.5 4.5
Total Operating Income
6,132.65 7,772.01
9,017.14 47.0
16.0 of Non Loan Related fees to total
operating income
17.75 18.44
16.60 6.5
10.0
19
p g
Others includes Syndication, Payment Points, ATMs, Debit Cards, etc. Non‐Loan related fees commissionsTotal Operating Income ‐ Non‐recurring interest income
Excluding non‐recurring interest income
Building our high yield business in Micro Small…
2,109
Micro Credits
Rp Bn
22.80
7,022
13.50
Consumer Loans
Rp Bn
5,550
Business Banking Credits
Rp Bn
Loan Yields
12.1
730 707
4 ,8
6 6
,9 9
2
43.87
2 1
,7 6
1 2
8 ,7
8 3
32.27 1
7 ,7
1 6
2 3
,2 6
6 31.3
Micro BPRRural
Q1 2010
Growth Q1
2011
Disbursement Breakdown Q12011
Q1 2010
Growth Q1
2011
Disbursement Breakdown Q12011
Q1 2010
Growth Q1
2011
Disbursement Breakdown Q12011
Excluding Credit Cards
1,331
49 29
244
1,826 1,912
1,355 294
703 3,683
1,224 1,546
86
Rural Banks
Micro Unsecured
Micro TOTAL
Mortgage Home
Equity Loan
Payroll Loan
Other Total
N o
n ‐P
ro g
P ro
g ram
C o
o p
s C
as h
C o
ll T
O T
A L
20
… as
w e
ll as
C o
n su
m e
r le
n d
in g
, w
h ic
h r
o se
3 .8
2
Y ‐o
‐Y o
n M
o rt
g ag
e s
an d
V e
h ic
le s
O th
e r
A u
to
h ll
l d
d
G ro
w th
Q u
ar te
rl y
C o
n su
m e
r Lo
an B
al an
ce s
b y
Ty p
e C
o n
su m
e r
Lo an
G ro
w th
b y
Ty p
e
Rp 3
2 .3
6 tn
3, 2,2
2,826 3,454
1 1,214
1,325 1,393
1,454
2 7
,5 3
,0 C
as h
C o
ll ate
ra l
Lo an
s C
re d
it C
ar d
s
P ay
ro ll
Lo an
s Ho
m e
E q
u ity
L o
an s
Mo rtg
ag e
s
Lo an
T yp
e
Y ‐o
‐Y Q
‐o ‐Q
O th
e r
3 6
.7 2
4 .3
4
4, 4,98
5,194 5,428
5,643
2 2,2
2,45 2,754
2,989 2,973
3,239 3,372
3,589 ,575
1,376 1,476
1,704 17
452 563
564 572
615 691
915 1,063
1 7
5 2
,0 2
2 ,5
2 5
,0
A u
to L
o an
s 1
3 4
.0 6
2 2
.2 3
C re
d it
C ar
d s
2 .2
3 ‐0
.4
3, 3,70
3,761 3,721
3,697 3,704
3,699 3,753
3,822 3,890
3,941 3,957
3,964
1 2,
3,010 3,192
3,658 3,999
3,993 3,983
4,099 4,252
4,541 ,719
85
1,367 1,293
1,908 1,926
2,008 2,113
,223 251
52
888 1,544
47 59
82 245
290
1 ,0
1 2
,5 1
5 ,0
1 7
,5
P ay
ro ll
Lo an
s 1
9 .5
8 3
.9 6
H o
m e
E q
u it
y Lo
an s
3 .7
3 .1
7
Mt 3
3 5
9 5
6 9
1 5
2 2
3,050 3,610
5,382 6,393
7,199 7,717
8,052 8,376
8,814 9,193
10,017 10,681
11,626 12,593
13,500 14,268
2 ,8
5 2
4,131 3,666
3,437 ,612
02 1
1
1,921 ,930
285
1,270 816
25
2 ,5
5 ,0
7 ,5
M o
rt ga
g e
s 3
3 .5
9 5
.6 9
To ta
l C o
n su
m e
r 3
.8 2
5 .4
2
2 1
1 ,5
2 2
Q4 04
Q4 05
Q4 06
Q4 07
Q1 08
Q2 08
Q3 08
Q4 08
Q1 09
Q2 09
Q3 09
Q4 09
Q1 10
Q2 10
Q3 10
Q4 10
Q1 11
Mandiri Tunas Finance: Q1’11 Total Financing of
Rp 1.8 Tn
Total Booking and the Breakdown for
Joint Financing and Non JF
Breakdown of Financing
Program for 2011
1 To grow further amount of
694 Non
JF
118
Motorcycle Used
Car
1. To grow further amount of referral business from Tunas
Ridean network. 2. To continue to add large non
Tunas dealer alliances.
425 606
JF
351 372
350
118 99
New Car
3. To increase
referral from
branches to about 10 of car financing.
4. Cross sell to Corporate Commercial
Banking to
1,146 398
341 539
806 1,101
1,370 309
306 351
61 79
Commercial Banking
to increase
portfolio of
fleet financing to 15 of new car
fleet 5. Opening 2 branches and 11
375 566
852 966
405 539
Q 1
1 Q
2 1
Q 3
1 Q
4 1
Q 1
1 1
outlets with
focus on
2 wheelers .
22
Q 1
1 Q
2 1
Q 3
1 Q
4 1
Q 1
1 1
Our Portfolio Infrastructure in Micro continues to
expand
Unit Branch
Kiosk
of Outlets
Booking Volume Rp bn
0f New Customers
200 212
10 152
480 493
Booking Volume – Rp bn
1 9
2 3
6 8
8 8
10
2005 2006 2007 2008 2009 2010Q12011 7
3 ,5
6 6
7 9
,5 7
6 ,3
2 5
9 4
,8 5
5 7
4 ,0
3 7
Q110 Q210
Q310 Q410
Q111
of Sales Force
Average Booking MBU Outs MBU
Productivity of Micro Unit
1,347 1,646
1,645 2,195
1,826 Q1
10 Q2 10 Q3 10 Q4 10 Q1 11
23
3,213 3,261
3,403 3,828
3,959 Q1
10 Q2 10 Q3 10 Q4 10 Q1 11 1691
2060 1864
2254 1578
Q1 10 Q2 10 Q3 10 Q4 10 Q1 11
yield growth and deposit franchise
4 324 Rp Billion
Consumer Loans from Alliance Program
10 top corporate clients
Co ‐Branding Prepaid Card Program
1 609 1,821
2,085 2,283
2,558 3,202
4,067 4,324
319 1,275
1,389 1,609
Q4 06 Q408 Q1 09 Q2 09 Q3 09 Q4 09 Q1 10 Q2 10 Q3 10 Q4 10 Q1 11
8 9
, 9
,6 9
,7 7
9 ,9
5 1
,2 3
1 ,3
6 1
,4 3
4 1
,5 3
3
Total Payroll in 2010‐2011
Rp Billion 55,174
57,945
Corporate Card Holder from Alliance Program
10 top corporate clients
3 ,4
4 ,3
9 4
4 ,7
5 6
3 ,5
4 ,3
2 5
,1 6
9 8
,8 3
6 1
7 5
7 7
7 5
4 3
1 6
4 3
12,108 14,612
16,495 23,660
36,987
4 6
3 Jan Feb Mar Apr May Jun
Jul Agt Sept Oct Nov Dec Jan
11 Feb
11 Mar11
1,869 2,007 3,625
7,272 12,108
Q308 Q408 Q1 09 Q2 09 Q3 09 Q4 09 Q1 10 Q2 10 Q3 10 Q4 10 Q1 11
24
Including all payments to the employees
Enhancing synergies values from subsidiaries
Investment Banking
Investment Banking
Syariah Banking Syariah Banking
Insurance Insurance
Niche Banking
Niche Banking
Bank Sinar
Multi ‐Finance
Multi ‐Finance
Total Assets
Rp36.27 tn
Bond Trading Volume
Rp6.29 tn
Total Assets
Rp9.26 tn
Total Loans
Rp614. bn
Total Financing
Rp1.089tn Total Financing
Equity FI Underwriting Annual FYP
Net Interest Margin Net Interest Margin
Harapan Bali
Total Financing
Rp27.09 tn
Equity FI Underwriting
Rp5.99 tn
Annual FYP
Rp 820 bn
Net Interest Margin
11.06 Net
Interest Margin 3.61
Total Deposits
Rp32.923 tn
Equity Trading Volume
Rp26.22 tn
Fee Contribution
Rp97 bn
ROA 1.99
ROA Before Tax
2.64 ROE
ROA ROE
ROE ROE After Tax
ROE 24.84
ROA 6.5
ROE 92.20
ROE 9.55
ROE After Tax
13.18
• Remain the leader in
• Expansion of business to • Provide end‐to‐end
• Enhance operating
•Use Bank Mandiri’s
syariah financing • Capital
injection program
over 3 years • Cross
‐sell syariah products
to Mandiri fully
utilize current capital
base • Cross
‐sell capital market services
to broad range of
Mandiri customers bank
assurance business • Continue
to build cross‐ sell
opportunities in various
segments • Bank
assurance model
• Improve risk
management systems
and IT
• Improve productivity
network and customer
throughout Indonesia to
develop multi‐finance
segment, especially in
vehicle ‐ownership
fi i
25
customers • Refocus
business toward higher
fee income products
complete our suite
of consumer offerings
financing.
G ro
ss N
P Ls
2 .6
, co
ve rag
e at
1 7
5 ‐
C at
e g
o ry
2
lo an
d e
cl in
e d
to 6
.1
2 ,0
5
C at
2
N P
L Mo
ve m
e n
t ‐C
o n
so lid
at e
d C
a te
g o
ry 2
L o
an s
– B
a n
k O
n ly
1 4
1 6
,0 1
8 ,0
3 5
.7
4
C at
2
25.2
1 9
.4 2
1 9
.1 2
6 .0
1 9
2 .4
1 ,0
1 2
,0 1
4 ,0
2 6
.2 2
4 .8
3
19.80 28
1
1 4
6 .7
1 2
9 5
1 3
9 .1
1 2
8 8
1 1
6 .0
1 3
8 .9
1 3
6 .1
1 7
5 .0
6 ,0
8 ,0
1 5
.0 9
4 1
2 .9
1 5
.5 1
1 .9
11 .5
1 1
.2 9
7 9
2
9.70 8
16.34
7 .0
1 2
9 .5
1 2
8 .8
4,033 15,350
12,655 16,202
10,983 8,334
12,912 16,966
15,148 14,058
13,451 13,502
15,412 16,332
15,895 18,148
17,506 17,417
17,479 17,498
15,758 13,516
2 ,0
4 ,0
9 .2
9 .4
1 .0
9. 2
1 .2
9 .7
9 .0
8 .4
7 .2
6 .1
1
7.30 .60
7.10 7.17
5.14 4.74
4.44 4.73
5.85 4.78
3.79 2.79
2.56 2.54
2.60 2.42
2.60
15.3 5
6 .5
5
7 .0
4 4
.4 Q4
99 Q4
00 Q4
01 Q4
02 Q4
03 Q4
04 Q4
05 Q4
06 Q4
07 Q1
08 Q2
08 Q3
08 Q4
08 Q1
09 Q2
09 Q3
09 Q4
09 Q1
10 Q2
10 Q3
10 Q4
10 Q111
2 ‐
Sp e
ci al
Me n
ti o
n L
o an
s Rp
B n
2 6
.5 6
.5 5
Q4 99
Q4 00
Q4 01
Q4 02
Q4 03
Q4 04
Q4 05
Q4 06
Q4 07
Q1 08
Q2 08
Q3 08
Q4 08
Q1 09
Q2 09
Q3 09
Q4 09
Q1 10
Q2 10
Q3 10
Q4 10
Q111
G ro
ss N
P L
Rati o
N e
t N
P L
Rati o
P ro
v N
P L
Q1 Total NPLs Rp5.45 tn with Rp0.5tn Up grades
181 1
Cons
Movement by Customer Segment Rp Bn
0 10 Non
‐Performing Loan Movements Rp tn – Bank Only
523 7
181.1
Cons MicroSmall
Comm Corp
4.92 0.52
1.64 0.10
0.48 0.01
5.45
523.7
NPLs Rp tn
Q1
Rp tn NPLs
Non ‐Performing Loans by Segment
239.1
34 2
33.3
Q4 10
UG to PL DG to NPL Payment Write‐Offs Other
Q1 11
p p
Corporate 2.12
0.31 2.29
Commercial 1.37
0.16 2.12
Small 0.82
0.23 3.33
Micro 0.39
0.05 5.12
310.0 690.7
144.3
34.2 164.4
33.3 104.3
