19
Non-Loan Related Fees Commissions 3Q
2016 2Q
2016 3Q
2015 Y-o-Y
Q-o-Q Δ
Δ
Administration Fees 878
968 811
8.3 9.3
Opening LC, BG Cap. Market Custodian Trustee 297
317 347
14.2 6.3
Subsidiaries 388
350 292
32.6 10.7
Transfer, Retail Transaction 565
584 480
17.8 3.2
Credit Cards 497
513 518
4.1 3.1
Mutual Fund, ORI Bancassurance 100
100 88
14.4 0.3
Syndications 77
185 34
126.2 58.3
Payroll Package 18
21 21
14.5 13.4
Others 65
86 45
44.5 24.8
Total 2,755
2,952 2,546
8.2 6.7
Foreign Exchange Gains 618
600 533
15.9 3.1
Gains Fr Sale Incr. in Value of Sec. Gov. Bonds 263
206 134
NA 27.7
Cash Recoveries 810
620 731
10.8 30.5
Other Income 589
611 1,451
59.4 3.5
Total Fee Based Income As Reported 5,036
4,988 5,127
1.8 0.9
of Non Loan Related fees to total Opr. income 24.9
28.1 29.7
Some numbers have been reclassified to some fee categories
20
1 ,524
1 ,510
1 ,883
2 ,107
1 ,614
2 ,004
2 ,071
2 ,565
2 ,034
2 ,322
2 ,375
3 ,167
2 ,309
2 ,693
2 ,958
3 ,488
2 ,574
3 ,173
3 ,322
3 ,730
3 ,305
3 ,640
3 ,497
1 ,547
1 ,631
1 ,671
1 ,903
1 ,865
1 ,939
1 ,869
2 ,372
2 ,042
2 ,336
2 ,679
2 ,374
2 ,626
2 ,662
2 ,752
2 ,807
2 ,920
3 ,109
2 ,903
3 ,444
3 ,406
3 ,488
3 ,290
1 Q
11 2
Q 11
3 Q
11 4
Q 11
1 Q
12 2
Q 12
3 Q
12 4
Q 12
1 Q
13 2
Q 13
3 Q
13 4
Q 13
1 Q
14 2
Q 14
3 Q
14 4
Q 14
1 Q
15 2
Q 15
3 Q
15 4
Q 15
1 Q
16 2
Q 16
3 Q
16
GA Expenses Personnel Expenses
Breakdown of 3Q 2016 Operating Expenses Quarterly Consolidated Operating Expenses CIR
Rp Bn Rp Bn
32.4 37.3
39.0 41.6
44.0 43.2
42.7 51.3
41.1 43.1
42.5 48.4
41.8 43.2
46.6 44.4
44.4 45.2 40.1
42.7 44.5
46.0
38.5
CIR
Reclassification from Occupancy Related to Employee Related
Q3 2016
Q2 2016
Q3 2015
Growth QoQ
YoY Personnel Expenses
Base Salary 891
880 795
1.2 12.1
Other Allowances 1,452
1,673 1,434 13.2
1.2 Post Empl. Benefits
97 105
100 7.6
2.9 Training
138 134
99 2.5
39.2 Subsidiaries
712 696
476 2.4
49.7
Total Personnel Expenses 3,290
3,488 2,903
5.7 13.3
GA Expenses
IT telecoms 505
522 489
3.3 3.2
Occupancy Related 700
781 668 10.3
4.8 Promo Sponsor
292 273
300 7.0
2.7 Transport Travel
157 203
157 22.6 0.4
Goods, Prof. Svcs. Oth. 483
460 458
4.9 5.3
Employee Related 571
603 541
5.3 5.7
Subsidiaries 788
798 710
1.2 11.1
Total GA Expenses 3,497
3,640 3,322
3.9 5.2
Other Expenses 889
929 744
4.3 19.4
Total Operating Expenses 7,676
8,058 6,970
4.7 10.1
21 Top 10 Industries in Corporate Lending Expansion
3Q 16 –3Q 15 Total Rp26.53 Tn
Rp Bn
1,412 1,451
1,547 2,040
3,789 4,142
4,918 5,437
5,576 6,066
Mfg-RawM Real Estate
Mining-Coal Soc Serv
Roads Bridge Mfg-FB
Trad-Ret Electricity
Mfg-Chem Trad-Exp
22.9 21.0
20.5 18.5
15.6 14.3
7.7 5.8
5.5 5.3
Rp Bn
Top 10 Industries in Commercial Lending Expansion 3Q 16
– 3Q 15 Total Rp13.10 Tn
522 546
678 712
1,020 1,057
1,139 1,326
1,494 8,350
Mfg-FB Food Crops
Health Constr
Comm Bus Serv
Real Estate Trad-Distr
Trad-Exp Plantations
63.7 11.4
10.1 8.7
8.1 7.8
5.4 5.2
4.2 4.0
Whol es
al e
Trans acti
ons Dri
vi ng
CA SA
Whol esal
e CAS A
Deposi ts
Rp Bn
58,055 62,257
61,691 53,604
74,116 89,959
74,334 73,192
140,278 141,540
131,988
- 20
,000 40
,000 60
,000 80
,000 100
,000 120
,000 140
,000 160
,000 180
,000
2007 2008
2009 2010
2011 2012
2013 2014
2015 3Q15
3Q16
-6 .7
Yo Y
Gro wt
h
745 2,414
4,066 6,153
7,784 10,943
11,899 12,932
13,629 13,873
14,105 14,397
14,676 15,101
15,565 16,200
16,853
2006 2007
2008 2009
2010 2011
2012 2013
3Q14 4Q14
1Q15 2Q15
3Q15 4Q15
1Q16 2Q16
3Q16
Ca sh
Ma na
g em
en t
Use rs
248 677
1,178 2,201
2,657 3,598
3,989 4,484
4,832 5,123
5,266 5,384
5,704 7,085
4Q10 4Q11
4Q12 4Q13
1Q14 2Q14
3Q14 4Q14
1Q15 2Q15
3Q15 4Q15
1Q16 2Q16
A ver
age of
Ca sh
Ma na
g em
en t
000 ,
t ot
al 22
.2 Mn
tr an
sact ion
s in
3 Q
2016
E xc
lud ing
M an
di ri
T ran
sa ct
io n
S yst
e m
23
Forex
34 42
63 61
56 41
30 41
281,153 310,512
322,795 399,500 379,730
348,436 263,681
323,381
- 50,000
100,000 150,000
200,000 250,000
300,000 350,000
400,000 450,000
- 10.0
20.0 30.0
40.0 50.0
60.0 70.0
80.0 90.0
Dec 10 Dec 11 Dec 12 Dec 13 Dec 14 Dec 15 Sep 15 Sep 16
Value USD Bn of Trx
Wholesale Remittance
70 94
121 135
146 126
98 72
435,866 448,219
599,909 651,241
739,046 730,011 579,147
373,602
- 100,000
200,000 300,000
400,000 500,000
600,000 700,000
800,000
- 20.0
40.0 60.0
80.0 100.0
120.0 140.0
160.0 180.0
Dec 10 Dec 11 Dec 12 Dec 13 Dec 14 Dec 15 Sep 15 Sep 16
Value USD Mn of Trx
Excluding Mandiri Transaction System
Mandiri Cash Management
549 818
1 ,519
2 ,231
3 ,120
3 ,778
2 ,728
3 ,166
2,503 7,668
13,676 24,543
44,184 61,599
45,447 59,075
25,000 15,000
5,000 5,000
15,000 25,000
35,000 45,000
55,000 65,000
- 500.0
1,000.0 1,500.0
2,000.0 2,500.0
3,000.0 3,500.0
4,000.0
Dec 10 Dec 11 Dec 12 Dec 13 Dec 14 Dec 15 Sep 15 Sep 16
Value Rp Tn of Trx 000
Trade Transactions : Export, Import, Domestic
85 110
125 133
137 127
97 75
495,813 510,916 517,251 520,948 509,207
468,870 349,567
286,295
- 100,000
200,000 300,000
400,000 500,000
600,000
- 20.0
40.0 60.0
80.0 100.0
120.0 140.0
160.0
Dec 10 Dec 11 Dec 12 Dec 13 Dec 14 Dec 15 Sep 15 Sep 16
Value USD Bn of Trx
24
132 .7
140 .6
146 .1
165 .0
157 .5
166 .8
176 .3
190 .9
179 .0
180 .8
184 .7
202 .6
182 .5
186 .0
188 .0
209 .8
193 .0
214 .8
212 .1
12.7 12.8 13.0
13.7 14.7
15.6 18.4
20.7 21.0 22.0 21.8
24.0 22.2 23.2
24.3 23.1
21.1 21.7 23.1
14.6 15.4 16.1
18.6 17.0
16.7 28.6
33.0 29.7 33.6
34.4 40.2
33.5 36.4 25.0 31.9
29.0 29.9 30.5
4.3 4.3 10.7
11.4 12.1
11.9 13.1 13.0
12.8 14.4
7.8 7.6
6.9 6.5 6.8
71.6 70.3
71.5 71.4
72.1 70.7
80.2 84.5
88.4 100.1
108.3 120.0
119.2 116.0
110.0 110.3
112.2 115.5116.9
5.0 5.0
5.1 5.0
4.7 4.6
6.4 7.0
6.3 7.0
7.2 9.5
9.0 7.8 7.7
7.4 6.9
6.8 7.0
20 40
60 80
100 120
140 160
180 200
220 240
260 280
300 320
340 360
380 400
420 440
1 Q
12 2
Q 12
3 Q
12 4
Q 12
1 Q
13 2
Q 13
3 Q
13 4
Q 13
1 Q
14 2
Q 14
3 Q
14 4
Q 14
1 Q
15 2
Q 15
3 Q
15 4
Q 15
1 Q
16 2
Q 16
3 Q
16 Rp Savings Deposits
FX Savings Deposits Rp Demand Deposits
FX Demand Deposits Rp Time Deposits
FX Time Deposits
Retail Deposit Analysis – Bank Only
2.2 1.7
2.0 2.0
2.0 2.0
2.1 1.9
2.1 2.1
2.1 2.0
1.8 1.9
2.1 1.5
1.5 1.6
1.5 1.5
1.4 1.3
1.2 1.2
1.2 1.3
1.1 1.1
6.3 5.1
6.6 7.0
7.3 8.3
7.9 7.8
7.4 7.5
7.2 6.9
6.7 6.6
5 10
4 Q
11 4
Q 12
4 Q
13 1
Q 14
2 Q
14 3
Q 14
4 Q
14 1
Q 15
2 Q
15 3
Q 15
4 Q
15 1
Q 16
2 Q
16 3
Q 16
Rp DD Rp Savings
Rp TD
Average Quarterly Deposit Costs
0.1 0.2 0.3 0.3 0.3 0.3 0.3 0.3 0.3
0.4 0.2 0.3
0.6 0.7 0.8
0.6 0.8
1.2 1.2 1.1
1.3 1.8
1.2 0.8
0.6 0.5 0.5
0.6
0.0 0.5
1.0 1.5
2.0
4 Q
11 4
Q 12
4 Q
13 1
Q 14
2 Q
14 3
Q 14
4 Q
14 1
Q 15
2 Q
15 3
Q 15
4 Q
15 1
Q 16
2 Q
16 3
Q 16
FX DD FX TD
69.6 70.1
72.5 71.6
73.0 73.7 71.9
68.8 68.4
66.2 67.7
67.6 67.7
69.1 68.8
CASA as of total deposits
25
63 ,323
66 ,851
73 ,324
81 ,046
84 ,675
91 ,504
96 ,268
105 ,192
108 ,434
118 ,788
123 ,833
130 ,158
131 ,857
140 ,189
146 ,744
155 ,338
158 ,173
165 ,304
167 ,429
175 ,211
173 ,739
182 ,190
185 ,335
28.6 27.6
28.3 29.6
29.6 29.8
30.2 30.9
31.8 31.7 31.3
31.2 31.8
32.6 32.5
32.7 33.1
33.3 33.3 32.7
33.8 33.3
33.1
20 22
24 26
28 30
32 34
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
170,000 180,000
190,000 200,000
210,000 220,000
230,000
1 Q
2011 2
Q 2011
3 Q
2011 4
Q 2011
1 Q
2012 2
Q 2012
3 Q
2012 4
Q 2012
1 Q
2013 2
Q 2013
3 Q
2013 4
Q 2013
1 Q
2014 2
Q 2014
3 Q
2014 4
Q 2014
1 Q
2015 2
Q 2015
3 Q
2015 4
Q 2015
1 Q
2016 2
Q 2016
3 Q
2016
Retail to Total Loans
Retail to Total Loans
Micro Credit Business Banking
Consumer Finance
Rp Bn Business Banking
57,905 59,785
1,880
3Q2015 Growth
3Q2016
YoY 3.2
Rp Bn Micro Credit
39,996 46,668
6,671
3Q2015 Growth
3Q2016
YoY 16.7
Rp Bn
69,528 78,882
9,354
3Q2015 Growth
3Q2016
YoY 13.5
Consumer Finance
Strong M icrof
inan ce Growth
200 300
502 687
898 994
994 1,000
1,017
600 800
800 878
928 1,027
1,127 1,427
1,427 1,510
1,596
10 152
480 710
760 751
706 653
653 649
640
6 6
6 10
2008 2009
2010 2011
2012 2013
2014 2015
1Q 16 2Q 16
3Q 16
Bra n
ch Unit
Ki o
sk C
a sh
O u
tl e
t
Cus tome
rs 000
Ne tw
or k
Of Ne w
Cus tome
rs
73,566 79,500
76,325 94,855
74,037 110,000
121,007 146,359
126,509 140,064
131,715 147,825
138,747 160,620
136,196 162,181
140,886 167,145
158,909 162,738
134,501 138,500
97,164 127,828
130,227 146,323
1Q 10 2Q 10
3Q 10 4Q 10
1Q 11 2Q 11
3Q 11 4Q 11
1Q 12 2Q 12
3Q 12 4Q 12
1Q 13 2Q 13
3Q 13 4Q 13
1Q 14 2Q 14
3Q 14 4Q 14
1Q 15 2Q 15
3Q 15 4Q 15
1Q 16 2Q 16
271 430
562 694
815 889
1 ,009
1 ,112
1 ,135
1 ,163
1 ,173
2008 2009
2010 2011
2012 2013
2014 2015
1Q 16 2Q 16
3Q 16
…as el
l as Cosue Ledi
g, hi
h ‘ose 13
.45
Y -o
-Y as Home
Equ it
y Loans Gr
owth Cont
inu es
To Ri se
13,500 14,268
15,523 16,466
17,779 18,764
20,113 20,919
22,818 24,092
26,135 27,357
26,995 26,690
26,505 26,347
26,495 26,207
26,340 26,369
26,832 26,869
27,651 28,001
3,957 3,964
3,979 3,949
3,887 3,777
3,679 3,571
3,471 3,365
3,312 3,240
3,181 3,172
3,198 3,240
3,310 3,326
3,432 3,534
3,739 3,892
4,313 4,914
6,374 6,398
6,708 6,861
6,995 7,143
7,412 7,753
8,206 8,386
8,958 9,374
9,781 10,030
10,642 11,253
11,880 12,201
12,838 13,408
14,103 14,497
15,279 16,160
3,589 3,575
3,761 3,910
4,296 4,245
4,492 4,590
5,035 5,025
5,195 5,303
5,620 5,557
6,855 7,568
8,288 8,343
8,751 8,683
8,970 8,768
8,761 8,674
2,826 3,454
3,492 4,200
5,115 5,829
6,593 6,609
7,209 7,486
7,905 9,013
10,218 11,083
12,260 13,271
13,983 14,890
15,630 16,641
17,608 18,344
18,981 20,001
447 698
791 873
928 964
1 ,016
1 ,037
1 ,010
966 927
904 809
840 805
765 750
683 733
892 998
1 ,043
1 ,091
1 ,133
5 ,000
10 ,000
15 ,000
20 ,000
25 ,000
30 ,000
35 ,000
40 ,000
45 ,000
50 ,000
55 ,000
60 ,000
65 ,000
70 ,000
75 ,000
80 ,000
85 ,000
90 ,000
4Q 10 1Q 11
2Q 11 3Q 11
4Q 11 1Q 12
2Q 12 3Q 12
4Q 12 1Q 13
2Q 13 3Q 13
4Q 13 1Q 14
2Q 14 3Q 14
4Q 14 1Q 15
2Q 15 3Q 15
4Q 15 1Q 16
2Q16 3Q16
Ot h
e r
Au to
Cre d
it Card
s
Pa yro
ll Lo
an s
H o
m e
E q
u ity
Lo an
s
Mo rtga
ge s
Loan T
ype Gr
o wth
Y -o
-Y Q
-o -Q
Ot her
2 6
.9 6
3 .8
Aut o
Loans 2
.1 9
5 .1
Cr edi
t Car ds
-0 .1
1 -1
.0
P a
yr ol
l Loan s
2 .5
3 5
.7 7
Home E
qui ty Loans
3 9
.0 6
1 3
.9 3
Mortg age
s 6
.1 9
1 .2
Tot al
Consumer 1
3 .4
5 3
.6 9
Quart er
ly Consumer
Lendi ng
Bal a
nces b y
Type Consumer
L endi
ng Gr
o wth
b y
Type
Rp 78
.9 Tn
A u
to M
o to
rc yc
le Loa
n s
ch an
n el
e d
o r
e xecu
ted t
h ro
u gh
fi n
an ce
co mp
an ies
= Rp
8 .7
Tn in
o u
r Comme
rc ial
P o
rt fo
lio
28
Quarterly Transaction Value Rp Tn Quarterly Users Mn
95.5 122.2
147.7 153.8
170.0 179.3
191.2 192.6
208.1 210.0
241.5 245.0
236.8 252.7
238.0
2.1 3.5 4.1 5.0 6.6
8.3 10.5 17.6
28.3 35.7
38.9 53.0
55.3 68.9
67.8
7.1 14.0
18.1 23.5 26.8
29.4 33.3 33.3
34.5 46.7
32.6 36.1
36.5 35.5
20 40
60 80
100 120
140 160
180 200
220 240
260 280
4 Q
09 4
Q 10
1 Q
11 2
Q 11
3 Q
11 4
Q 11
1 Q
12 2
Q 12
3 Q
12 4
Q 12
1 Q
13 2
Q 13
3 Q
13 4
Q 13
1 Q
14 2
Q 14
3 Q
14 4
Q 14
1 Q
15 2
Q 15
3 Q
15 4
Q 15
1 Q
16 2
Q 16
3 Q
16 ATM
Mobile Banking Internet Banking
7.7 8.6
8.2 9.2
10.0 10.6
11.1 11.6
11.8 12.4
12.6 12.6
13.6 13.8
3.2 4.7
4.9 5.3
5.6 5.8 6.1
6.3 6.5 6.7 6.8
6.9 7.0
7.1 7.2
1.2 1.0 1.1
1.2 1.3 1.4 1.5 1.6
1.7 1.8 1.9 2.0 2.1
2.1
2 4
6 8
10 12
14
4 Q
09 4
Q 10
1 Q
11 2
Q 11
3 Q
11 4
Q 11
1 Q
12 2
Q 12
3 Q
12 4
Q 12
1 Q
13 2
Q 13
3 Q
13 4
Q 13
1 Q
14 2
Q 14
3 Q
14 4
Q 14
1 Q
15 2
Q 15
3 Q
15 4
Q 15
1 Q
16 2
Q 16
3 Q
16 Debit Cards
Mobile Banking Internet Banking
Quarterly Transaction Volume Mn
142 157
184 189
212 218 233 235
246 249 268
293 295
287 309
291
39 36
44 41 43 41 39
44 51
53 47
48 50
46 49
45 12
18 23 26
32 31 34 57
70 113
172 196
190 254
258
17 42
55 78
85 67
76 81
89 117
102 117
131 138
149
25 50
75 100
125 150
175 200
225 250
275 300
325
4 Q
09 4
Q 10
1 Q
11 2
Q 11
3 Q
11 4
Q 11
1 Q
12 2
Q 12
3 Q
12 4
Q 12
1 Q
13 2
Q 13
3 Q
13 4
Q 13
1 Q
14 2
Q 14
3 Q
14 4
Q 14
1 Q
15 2
Q 15
3 Q
15 4
Q 15
1 Q
16 2
Q 16
3 Q
16 ATM
Branch Mobile Banking
Internet Banking
29
Volume Mandiri Business Saving Account Rp Tn
Numbers of EDC
23,690 27,611
33,732 47,127
92,903 180,532
230,352 270,352
286,861 287,605
292,001 269,340
2007 2008
2009 2010
2011 2012
2013 2014
2015 1
Q 16
2 Q
16 3
Q 16
Fee Income from e-channel Tx Rp Bn
52.1 89.4 126.2 200.3 258.2
315.2 347.6 414.7
604.3 711.7
65.5 98.5
166.6 196.5
285.7 318.6
382.0 490.3
663.4 765.2
81.9 110.5
194.5 249.3
313.9 361.8
437.5 489.2
683.3 742.7
89.0 117.8
223.7 268.5
312.8 464.4
512.9 664.8
771.0
2007 2008
2009 2010
2011 2012
2013 2014
2015 2016
Q4 Q3
Q2 Q1
13.8 YoY
Growth
3.5 4.8 8.0
17.7 34.7
59.4 85.8
102.3 108.5
96.9 106.4
2007 2008
2009 2010
2011 2012
2013 2014
2015 3
Q 15
3 Q
16
9.8 YoY
Growth
30
Fiesta Point Program
A program to get points based on savings average balance and of transactions through e-channel or branch, so that customer has the
opportunity to earn immediate prizes.
Mandiri Belanja Untung Program
Prizes for buyers who do the transactions in the merchant as a participants, or using Mandiri EDC. For sellers, they have the
opportunity to be included into the national lucky draw.
Belanja Hoki Dagang Hoki Program
Co-promotion with the ITC Group for the merchants and the buyers who transact in ITC using Mandiri Debit and also a reward program
for the building management.
MTB Transaction Volume
201 ,106
212 ,844
261 ,935
265 ,423
272 ,212
290 ,019
306 ,831
349 ,868
299 ,417
322 ,587
308 ,832
348 ,059
267 ,195
334 ,912
322 ,377
9,235 10,601
11,385 12,616
12,773 14,068
14,508 16,052
15,996 17,444
17,101 18,373
20,186 20,187
18,974
- 3,000
6,000 9,000
12,000 15,000
18,000 21,000
- 50,000
100,000 150,000
200,000 250,000
300,000 350,000
400,000
1 Q
13 2
Q 13
3 Q
13 4
Q 13
1 Q
14 2
Q 14
3 Q
14 4
Q 14
1 Q
15 2
Q 15
3 Q
15 4
Q 15
1 Q
16 2
Q 16
3 Q
16
of Volume of Transactions 000
MIB Transaction Value Users SME Business w Mandiri Acc
543,972 643,334
789,300 845,073 822,506 853,589 854,864
2012 2013
2014 2015
1Q 2016 2Q 2016 3Q 2016
18 ,528
25 ,857
32 ,273
42 ,582
47 ,304
53 ,124
57 ,447
73 ,666
79 ,970
88 ,013
79 ,173
89 ,389
89 ,906
118 ,389
105 ,781
11,535 13,542
15,312 15,971
17,802 18,216
22,570 24,676
26,441 28,122
27,591 29,040 29,967
40,285 34,251
1Q 13
2Q 13
3Q 13
4Q 13
1Q 14
2Q 14
3Q 14
4Q 14
1Q 15
2Q 15
3Q 15
4Q 15
1Q 16
2Q 16
3Q 16
Transaction Value Rp Bn of Active Users
14,058 13,451
13,502 15,918
17,255 17,124
19,559 18,838
18,886 18,824
19,054 16,924
14,846 14,292
13,336 12,986
13,944 13,606
15,676 14,856
15,626 16,989
17,672 17,755
19,272 21,586
23,825 22,958
27,116 29,549
28,547 27,078
31,458 30,255
11 .5
10 .0
9 .2
9 .1
9 .8
9 .4
10 .4
9 .5
9 .4
8 .6
8 .2
6 .9
5 .9
5 .2
4 .5
4. 1
4 .3
3 .9
4 .3
3 .8
4. 4
.0 3
.9 3
.8 4
.1 4
.4 4
.7 4
.3 5
.1 5
.3 5
.1 4
.5 5
.5 5
2 ,000
4 ,000
6 ,000
8 ,000
10 ,000
12 ,000
14 ,000
16 ,000
18 ,000
20 ,000
22 ,000
24 ,000
26 ,000
28 ,000
30 ,000
32 ,000
34 ,000
1Q08 2Q08
3Q08 4Q08
1Q09 2Q09
3Q09 4Q09
1Q10 2Q10
3Q10 4Q10
1Q11 2Q11
3Q11 4Q11
1Q12 2Q12
3Q12 4Q12
1Q13 2Q13
3Q13 4Q13
1Q14 2Q14
3Q14 4Q14
1Q15 2Q15
3Q15 4Q15
1Q16 2Q16
S p
ec ial
M ent
ion S
p ec
ial M
ent ion
Rat io
NPL Mo vem
en t
- Cons
ol ida
ted
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 2.42
2.56 2.21
2.22 2.07
2.04 1.87
2.08 1.89
1.90 1.90
2.07 2.23
2.16 2.15
2.27 2.43
2.81 2.60
3.18 3.86
3.81
116 .0
122 .5
138 .9
127 .1
116 .6
136 .1
155 .2
206 .0
191 .7
192 .4
155 .5
185 .1
185 .1
189 .6
193 .4
185 .5
187 .6
185 .3
170 .3
157 .4
157 .1
150 .5
137 .7
136 .2
145 .5
131 .9
112 .7
126 .6
1Q 08 2Q 08
3Q 08 4Q 08
1Q 09 2Q 09
3Q 09 4Q 09
1Q 10 2Q 10
3Q 10 4Q 10
1Q11 2Q11
3Q11 4Q11
1Q12 2Q12
3Q12 4Q12
1Q13 2Q13
3Q13 4Q13
1Q14 2Q14
3Q14 4Q14
1Q15 2Q15
3Q15 4Q15
1Q16 2Q16
3Q16
Gr os
s NPL
R a
ti o
Pr ovNPL
Gr oss
NPL s
3 .81
, Coverage
at 126
.6 ,
Cat egory
2 at
5 .0
Ca teg
ory 2
Loans
32
Non-Performing Loans by Segment Movement by Customer Segment Rp Bn
Non-Performing Loan Movements Rp Tn – Bank-Only
Excluding loans to other banks
20.44
0.67 2.64
0.31 1.83
0.38
20.66
2Q 2016 UG to PL DG to NPL Payment Write-Offs Other
3Q 2016
- -
- 500
791 436
74 887
529 42
671
448
58 296
412
- 500
1,000 1,500
2,000 2,500
3,000
UG to PL DG to NPL
WO Corp
Comm Small
Micro Cons
NPLs 2Q
NPLs Rp Tn
Rp Tn Corporate
3.69 0.14
