58
Summary BS
Q Q
Q Q
Q
Y-o-Y
Rp tn Rp tn
Rp tn Rp tn
Rp tn US bn
Total Assets 449.78
466.08 474.93
501.95
551.89 60.86
22.70 Cash
9.52 7.42
8.78 10.37
11.36 1.25
19.33 Current Acc w BI other banks
33.43 29.73
29.62 34.4
45.98 5.07
37.54 Placement w BI other banks
29.05 34.03
35.76 40.33
51.54 5.68
77.42 Securities
27.49 29.16
18.76 12.77
12.25 1.35
55.44 Government Bonds
78.09 78.2
77.93 78.09
78.46 8.65
0.47 - Trading
0.61 0.75
0.84 0.97
1.41 0.16
131.15 - AFS
54.05 54.02
53.66 53.74
53.67 5.92
0.70 - HTM
23.43 23.43
23.43 23.38
23.38 2.58
0.21 Loans
246.20 251.78
276.7 297.48
314.38 34.67
27.69 - Performing Loans
240.18 245.18
269.94 289.81
307.37 33.90
27.97 - Non-Performing Loans
6.02 6.6
6.76 7.67
7.01 0.77
16.46 Allowances
11.52 11.51
11.61 11.90
12.20 1.35
5.90 Loans
– Net 234.68
240.28 265.10
285.58
302.21 33.33
28.78 Total Deposits
– Non Bank 362.21
356.68 362.64
376.37
422.25 46.57
16.58 - Demand Deposits
68.37 70.73
70.20 73.44
92.62 10.21
35.46 - Savings Deposits
133.59 132.1
139.15 147.62
163.78 18.06
22.60 - Time Deposits
160.25 153.85
153.29 155.31
165.85 18.29
3.49 Sha eholde s E uity
42.07 57.54
56.61 59.76
62.65 6.91
48.92
USD1 = Rp9,067.5
59 59
Summary PL
Q4 2010 Q3 2011
Q4 2011 Q-o-Q
Y-o-Y
Rp Billions of
Av.Assets Rp Billions
of Av.Assets
Rp Billions of
Av.Assets
Interest Income
8,842
8.2 9,391
7.7 10,218
7.8 8.8
15.6 Interest Expense
3,688
3.4 4,058
3.3 4,158
3.2 2.5
12.7 Net Interest Income
5,154
4.8 5,333
4.4 6,060
4.6 13.6
17.6 Net Premium Income
360
0.3 841
0.7 640
0.5 na
na
Net Interest Income Premium Income
5,514
5.1 6,174
5.1 5,420
4.1 12.2
1.7 Other Fees and Commissions
1,434
1.3 1,591
1.3 1,884
1.4 18.4
31.4 Foreign Exchange Gains - Net
172
0.2 169
0.1 333
0.3 97.0
93.6 Gain fr sale Incr in Val Sale of Bonds
140
0.1 34
0.0 90
0.1 164.7
35.7 Others
1,120
1.0 614
0.5 1,063
0.8 73.1
5.1
Total Non Interest Income
2,866
2.7 2,408
2.0 3,370
2.6 40.0
17.6
Total Operating Income
8,380
7.8 8,582
7.0 8,790
6.7 2.4
4.9 Provisions, Net
249
0.2 661
0.5 94
0.1 85.8
na Personnel Expenses
1,612
1.5 1,685
1.4 1,903
1.4 12.9
18.1 G A Expenses
1,682
1.6 1,825
1.5 1,409
1.1 22.8
16.2 Loss from decr in value of Sec Gov Bonds
2
0.0 403
0.3 1,264
1.0 na
na Other Expenses
135
0.1 128
0.1 2,602
2.0 na
na
Profit from Operations
5,202
4.9 3,880
3.2 4,046
3.1 4.3
22.2 Non Operating Income
88
0.1 32
0.0 52
0.0 62.5
40.9
Net Income Before Tax
5,290
4.9 3,912
3.2 4,098
3.1 4.8
22.5
of Average Assets on an annualized basis
60
Maturity Rp bn
Trading Portfolio Available for Sale
Held to Maturity
Nominal MTM
Nominal MTM
Fixed Rate Bonds 1 year
154 150
- -
11 1 - 5 year
542 550
- -
1,420 5 - 10 year
247 284
- -
98 10 year
345 424
- -
111 Sub Total
1,288 1,409
- -
1,638
Variable Rate Bonds 1 year
- -
- -
- 1 - 5 year
- -
3,973 3,942
12,389 5 - 10 year
- -
50,338 49,725
9,356 10 year
- -
- Sub Total
- -
54,311 53,667
21,745
T o t a l
1,288 1,409
54,311 53,667
23,383
Go t Bond Portfolio by Type and Maturity Rp78,459 bn
Q Q
Q Q
Realized GainsLosses
on Bonds 38.53
23.46 25.19
51.43 Unrealized
GainsLosses on Bonds
0.63 11.10
18.52 31.78
Total 37.89
34.56 43.71
19.66
Q Go t Bond GainsLosses Rp bn
Mark to Market impacts Profit Mark to Market impacts Equity
Nominal value
54 21.75
1.29
0.00
1.64 10
20 30
40 50
60 70
Trading AFS
HTM
Fixed Rate Variable Rate
Bonds by Rate Type Portfolio as of December 2011Rp bn
61
Stated in Rp Millions
62
Moody s Fitch
Outlook STABLE
Outlook POS
Long Term Rating Ba2
LT FC Issuer Default BBB-
Foreign LT Bank Deposits Ba2
LT LC Issuer Default BBB-
Local LT Bank Deposits Baa3
Subordinated Debt BB-
Senior Unsecured Debt WR
ST Issuer Default Rating F3
Bank Financial Strength D
Individual Rating CD
Foreign Curency ST Debt NP
Support Rating 2
Local Cuurency ST Debt P-3
Sta dard Poor s Pefindo
Outlook POS
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
63
Dividend Payment
Net Profit for the financial year of 2010 of Rp9,218,297,786,087.18 was distributed as follows:
• 35, or Rp3,226,404,225,130.51, for the annual dividend • Total Dividend Payment of Rp138.27 per share
• Interim dividend of Rp19.64 paid on 30 December 2010 Schedule :
a. Cum Date: Regular and Negotiated Market:
June 15, 2011 Cash Market:
June 20, 2011 b. Ex Date:
Regular and Negotiated Market: June 16, 2011
Cash Market: June 21, 2011
c. Payment Date: June 30, 2011
Net Profit for the financial year of 2009 of Rp7,155,463,216,743.00 was distributed as follows:
• 35, or Rp2,504,412,132,860.05, for the annual dividend • Total Dividend Payment of Rp119.43 per share
• Interim dividend of Rp19.26 paid on 22 December 2009
64
240,889 2,683
2,082 6
29 14,905 1,284
256,499
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
11,844 2,683 2,082
760 265
603 62
11,410
Beg. Bal. Cat. 1 DG UG to 1 DG to
NPL NPL UG
Net Disburs.
FX Impact End Bal.
65
Loan Profile: Q4 Collectibility by Segment Bank Only
94.9 95.3
93.4 88.2
88.3 2.5
3.3 4.1
7.8 9.8
0.2 0.1
0.2 0.6
0.3 2.1
1.2 1.9
2.6 1.3
Corp Comm
Small Micro
Cons
5 4
3 2
1
106,040
77,317
28,279 10,442
34,421
2,751
2,675
1,250
921 3,812
2,329
1,013
573
304 488
10,000 20,000
30,000 40,000
50,000 60,000
70,000 80,000
90,000 100,000
110,000
Corp Comm
Small Micro
Cons Loan Profile: Q4 Collectibility Rp bn by Segment
Bank Only
66
10 20
30 40
50 60
70 Current
30 Days OD
Quarterly DG to NPL Interest DPD - Bank Only
11 ,16
1 6,9
01 1,1
77 4
,106 1,5
58 1
,304 1,0
31 1,6
44 235 783 561 134 503
596 325 1,8
58 1,9
75 297 480 283
851 617 454 552 1,2
84 357 605 503
2,000 4,000
6,000 8,000
10,000 12,000
Q 1
05 Q2
05 Q
3 05
Q4 05
Q1 06
Q2 06
Q 3
06 Q4
06 Q1
07 Q
2 07
Q 3
07 Q4
07 Q1
08 Q2
08 Q3
08 Q4
08 Q
1 09
Q2 09
Q 3
09 Q4
09 Q1
10 Q2
10 Q
3 10
Q4 10
Q1 11
Q 2
11 Q
3 11
Q4 11
Rp Value
Quarterly NPL Stock Interest DPD - Bank Only
1 7
,4 5
6 24
,962 2
4 ,1
9 3
26 ,248
2 6
,4 2
4 25
,665 25
,414 1
7 ,9
6 1
7 ,1
8 16
,500 13
,603 1
,6 5
4 6,5
58 6
,510 6,5
86 7,8
33 9,6
78 7
,700 6,0
99 4
,505 3,5
89 3
,668 3
,985 3
,9 2
9 4301
4261 4983 4805
5,000 10,000
15,000 20,000
25,000 30,000
Q 1
05 Q2
05 Q
3 05
Q 4
05 Q1
06 Q2
06 Q
3 06
Q 4
06 Q1
07 Q2
07 Q
3 07
Q4 07
Q1 08
Q2 08
Q 3
08 Q4
08 Q
1 09
Q2 09
Q 3
09 Q
4 09
Q1 10
Q2 10
Q 3
10 Q
4 10
Q1 11
Q2 11
Q 3
11 Q4
11 Rp Value
Excluding Micro Consumer Loans Only
10 20
30 40
50 60
70 Current
30 Days OD
67 29,542
23 ,987
21,045 19,427
20 ,914
20 ,645
16,560 17,104
16 ,046
15 ,271
16,278 15
,334 14,131
13 ,646
13,546 13,488
2002 Add Dedu ct
2003 Add Dedu ct
2004 Add Ded u
ct 2005 Add Dedu
ct 2006 Add Dedu
ct 2007 Add Dedu
ct 2008 Add Dedu
ct 2009 Add Dedu
ct Q
1 10
Add Dedu ct
Q 2
10 Add Ded
u ct
Q3 1
Add Dedu ct
Q 4
10 Add Dedu
ct Q
1 11
Add Dedu ct
Q 2
1 1
Add Dedu ct
Q3 1
1 Add Dedu
ct Q
4 11
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 Q4 2011
Maturity extension;
46.6
Maturity extension
wreduced rates; 6.6
Maturity extension
wother restrg;
45.1 LT loans
wconvert; 1.4
Additional loans; 0.7
Other Restructuring includes reduction of interest rates, rescheduling of unpaid interest extension of repayment period for unpaid interest
Restructured Loan Movement 2002 - 2011
Rp billions Q2
Q Q4
Q1 Q2
Q3 Q4
Loans Restructured
149 253
732 4
16 -
1,247 NPL Collections
96 101
221 104
143 222
931
68
Plantations 14
Mfg-Oth 12
Bus Serv 11
Mfg-FB 9
Trad-Ret 8
Others 14
Plantations Mfg-Oth
Bus Serv Mfg-FB
Trad-Ret Trad-Distr
Mfg-Chem Mining-Oil Gas
Constr Trans-Comm
Trad-Oth Others
1 Non-consolidated numbers Each sector 4
Excluding Micro Consumer Loans Only
69
3 4
5
90 Days 31-60 Days
Current
Mfg-Chem Trad-Ret
Trad-Distr Trad-Oth
Others
USD IDR
Export Invest
Program WC
Comm Corp
Small
10 20
30 40
50 60
70 80
90 100
Collect. Int. Aging
Sector Currency
Purpose Segment
Loan Profile: Q4 NPL Downgrades Only Rp502.8bn Bank Only
Excluding Micro Consumer Loans Only
Corporate, Commercial Small Business loans downgraded to NPL in
Q3 totaled Rp502.8billion. Of these loans:
95 were more than 90 days
overdue on interest payments
59.6 came from our Corporate
portfolio
Largest downgrades by sector:
Chemical Manufacturing
Retail Trading
Distribution Trading
98.5 were IDR loans
53.0 were Working Capital
loans, 43.7 were Investment Loans
70
3 4
5
30 Days 90 Days
31-60 Days
Mfg-Chem Trad-Distr
Trad-Ret Mfg-Metal
Trad-Dom Mass Trans
Constr Mfg-Text
Others
USD IDR
Export Invest
Program Synd
WC
Comm Corp
Small
10 20
30 40
50 60
70 80
90 100
Collect. Int. Aging
Sector Currency
Purpose Segment
Loan Profile: Q4 Non-Performing Loans Only Rp4,805Bn Bank Only
Excluding Micro Consumer Loans Only
14.1 remain current on interest
payments and an additional 4.2 are less than 90 days overdue
61.1 are to Corporate customers
63.0 are Working Capital loans and
25.7 are Investment loans
Primary sectors are:
Chemical Manufacturing
Distribution Trading
Retail Trading
Metal Manufacturing g
64.1 are Rp loans
8.4 are Cat. 3 10.1 are Cat. 4
Corporate, Commercial Small Business NPLs totaled Rp4,805 Billion in
Q4. Of these NPLs in Q4:
71
Comm Corp
Small
30 Days 90 Days
1 Day 31-60 Days
61-90 Days Current
Trad-Ret Util - gas
Mfg-NonM Constr
Trad-Distr Bus Serv
Mfg-Oth Mfg-FB
Trad-oth
USD IDR
Consumer Invest
Synd 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: Q4 Downgrades to Cat 2 Only Rp1,135Bn Bank Only
Excluding Micro Consumer Loans Only
Rp1,135 Billion in Corporate, Commercial Small
Business loans were downgraded to Category 2 in Q4. Of the Special
Mention Loans downgraded:
45.2 are for Small Business 53.2 are to Commercial customers
30.7 are current 1.8 are 1 day
overdue in interest payments
Primary sectors downgraded are:
Retail Trading
Gas - utility
Non Metal Manufacturing
83.9 are Rupiah loans
66.9 are Working Capital loans
72
Comm Corp
Small
30 Days 1 Day
31-60 Days 61+ Days
Current
Mfg-Text Mfg-NonM
Mfg-Chem Mfg-Oth
Trad-Ret Trad-Distr
Constr Mining
Agri
USD IDR
Consumer Invest
Synd 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: Q4 Category 2 Loans Only Rp6,677bn Bank Only
Excluding Micro Consumer Loans Only
Rp6,677 billion in Corporate, Commercial Small
Business loans were in Category 2 in Q4. Of these Special Mention loans:
41.2 are to Corporate customers
67.5 are current or 1 day
overdue, with an additional 14.7 less than 30 days overdue
Primary sectors in Category 2 are:
Textile Manufacturing
Non Metal Manufacturing
Chemical Manufacturing
71.3 are IDR loans
52.4 are Working Capital loans
79.4 were Category 2 in Q3
73
1 2
Comm Corp
Small
Mfg-Text Bus Serv
Trad-Ret Mfg-Chem
Trad-Distr Mfg-Oth
Trad-Oth Others
IDR
Invest Program
WC
2000 2004
2000-2004
10 20
30 40
50 60
70 80
90 100
Collect. Segment
Sector Currency
Purpose Origin Year
Loan Profile: Q4 Upgrades to PL Rp194.9 bn Bank Only
Excluding Micro Consumer Loans Only
Corporate, Commercial Small Business loans upgraded to PL in Q4
totaled Rp194.9bn. Of these loans:
49.2 were to Commercial borrowers
65.2 originated later than 2004
Largest upgrades by sector:
Textile Manufacturing
Business service
Retail Trading
100 were IDR loans
93.3 were Working Capital loans
74
1 2
Comm Corp
Small
Plantations Mfg-Oth
Bus Serv
Mfg-FB
Trans Trad-Ret
Trad-Distr Mfg-Chem
Mining-Oil Gas
Constr Others
USD IDR
Consumer Export
Invest Program
WC
2000 2004
2000-2004
10 20
30 40
50 60
70 80
90 100
Collect. Segment
Sector Currency
Purpose Origin Year
Loan Profile: Q4 Performing Loans Only Rp218,313bn Bank Only
Excluding Micro Consumer Loans Only
Rp218,313bn in Corporate, Commercial Small Business loans were
performing in Q4. Of these performing loans:
49.8 are to Corporate customers
36.6 are to Commercial customers
88.8 originated since 2005
Primary sectors are:
Plantation
Business Services
Food Beverage Mfg
82.3 are Rupiah loans
48.1 are Working Capital loans, 40.4 are Investment
loans
75
1 2
3 5
30 Days 61-90 Days
Current
Mfg-PP Trading
Mfg-Oth Mass Trans
Mfg-Metal Mfg-NonM
Plantations Others
USD IDR
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: Q4 Restructured Loans Only Rp13,466bn Bank Only
Of the remaining Rp13,466 billion in restructured Corporate, Commercial
Small Business loans in Q4 :
Excluding Micro Consumer Loans Only
88.9 are performing
84.9 of Restructured Loans are
current in interest payments
Primary sectors are:
Manufacturing •
Chemicals •
Textiles •
Pulp Paper
Trading
61.4 are Rupiah loans
61.4 are Working Capital loans
79.1 are to Corporate customers
1.3 deteriorated in collectability
2.8 showed improved collectability
76
97.4 are performing loans, with
2.5 in Category 2
91.1 of Category 2 loans are
current in interest payments
Primary sectors in Corporate are:
Plantation
Food Beverage Mfg
Trading
Oil-Gas
74.7 are Rupiah loans
48.3 are Investment loans; 40.2
are Working Capital loans
Loan Profile: Q4 Corporate Loans Only Rp111,725bn Bank Only
Rp111,725billion in loans were in the Corporate portfolio in Q4. Of the
Corporate Loans in Q4:
1 23
5
30 Days 61+ Days
Current
Plantations Mfg-FB
Trading Bus Serv
Mfg-Oth Oil Gas
Comm Mfg-Chem
Electricity Constr
Others
USD IDR
Export Invest
Synd WC
2000 2004
2000-2004
10 20
30 40
50 60
70 80
90 100
Collect. Cat. 2 Aging
Sector Currency
Purpose Origin Year
77
1 2
5
30 Days 1 Day
31-60 Days 61+ Days
Current
Bus Serv Mfg-Oth
Trad-Distr Mfg-Chem
Plantations Mfg-FB
Trad-oth Mass Trans
Constr Others
Mfg-Metal
USD IDR
Consumer Export
Invest Synd
WC
2000 2004
2000-2004
10 20
30 40
50 60
70 80
90 100
Collect. Cat. 2 Aging
Sector Currency
Purpose Origin Year
98.6 are performing loans, with
3.3 in Category 2
66.7 of Category 2 loans are
current in interest payments
Primary sectors in Commercial are:
Business Service
Distribution
Chemical Manufacturing
Plantations
85.1 are Rupiah loans
49.2 are Working Capital
loans, 37.2 are Investment loans
Loan Profile: Q4 Commercial Loans Only Rp81,114bn Bank Only
Rp81,114billion in loans were in the Commercial portfolio in Q4. Of the
Commercial Loans in Q4:
78
1 2
3 5
30 Days 1 Day
31-60 Days 61+ Days
Current
Trad-Ret Others
Trad-Distr Plantations
Mfg Bus Serv
Constr
IDR
Consumer Invest
Program WC
2000 2004
2000-2004
10 20
30 40
50 60
70 80
90 100
Collect. Cat. 2 Aging
Sector Currency
Purpose Origin Year
97.5 are performing loans, with
4.1 in Category 2
15.5 of Category 2 loans are
current in interest payments
Primary sectors in Small Business
are:
Retail Trading
Distribution
Plantations
99.7 are Rupiah loans
76.6 are Working Capital loans
Loan Profile: Q4 Small Business Loans Only Rp30,279bn Bank Only
Rp30,279 billion in loans were in the Small Business portfolio in Q4. Of the
Small Business Loans in Q4:
Excluding Micro Consumer Loans Only
79
1 2
4
5
30 Days
1 Day
31-60 Days 61+ Days
Current
Others Plantations
Bus Serv Mfg-Oth
Mfg-FB Trad-Ret
Trad-Distr Mfg-Chem
Comm Constr
Comm Corp
Small
Consumer Invest
Synd WC
2000 2004
2000-2004
10 20
30 40
50 60
70 80
90 100
Collect. Cat. 2 Aging
Sector Segment
Purpose Origin Year
98.3 are performing loans, with
2.6 in Category 2
64.0 of Category 2 loans are
current in interest payments
Primary sectors in Rupiah loans are:
Plantations
Business Serices
Food Beverage Mfg
Retail trading
45.7 are Corporate loans
53.1 are Working Capital
loans, 37.5 Investment loans
Loan Profile: Q4 Rupiah Loans Only Rp182,765bn Bank Only
Rp182,765 billion in loans were Rupiah denominated in Q4. Of the Rupiah
Loans in Q4:
Excluding Micro Consumer Loans Only
80
1 2
5
30 Days
1 Day
31-60 Days 61+ Days
Current
Oil Gas Plantations
Trading Mfg-oth
Coal Bus Serv
Mfg-Chem Mass Trans
Mfg-Metal
Comm Corp
Small
Export Invest
Program Synd
WC
2000 2004
2000-2004
10 20
30 40
50 60
70 80
90 100
Collect. Cat. 2 Aging
Sector Segment
Purpose Origin Year
95.7 are performing loans
75.0 of Category 2 loans are
current in interest payments
Primary sectors in FX loans are:
Oil Gas
Plantations
Trading
Coal
69.9 are Corporate loans
51.5 are Investment loans ; 27.3
are Working Capital loans
Loan Profile: Q4 FX Loans Only Rp40,353bn Bank Only Rp40,353 billion in loans were FX
denominated in Q4. Of the FX Loans in Q4:
Excluding Micro Consumer Loans Only
81
Mandiri Credit Card Delinquency Rates
75.6
62.6 59.1
53.8 46.4
56.6 69.7
68.1 81.6
93.4 87.9
95.8 105.8
104.8 101.8
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
6.9 8.8
13.9 14.5
17.6 16.9
24.4 23.6
36.0
10.8 13.1
12.5
Q 4
05 Q
4 06
Q 1
07 Q
2 07
Q 3
07 Q
4 07
Q1 08
Q 2
08 Q3
08 Q
4 08
Q 1
09 Q2
09 Q3
09 Q4
09 Q
1 10
Q 2
10 Q
3 10
Q 4
10 Q
1 11
Q 2
11 Q
3 11
Q 4
11 NPLs 90+DPD
Write-Offs Recoveries
Quarterly Charge-offs, NPLs Recoveries Rp Bn
10.2 8.8
6.7 5.4
4.2 5.2
4.8 5.3
5.2 5.7
5.4 5.1
4.7
5.3 4.3
3.5 2.8
2.2 2.5
2.5 2.7
2.6 2.7
3.0 2.8 2.6
2.3 5.0
4.8 3.9
3.3 2.4
2.4 2.2
2.2 2.1
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
Q 4
05 Q
4 06
Q1 07
Q 2
07 Q3
07 Q4
07 Q1
08 Q
2 08
Q 3
08 Q
4 08
Q 1
09 Q
2 09
Q3 09
Q 4
09 Q
1 10
Q 2
10 Q
3 10
Q 4
10 Q111
Q 2
11 Q311
Q411 30 DPD - Rp
90 DPD - Rp 30 DPD - Cards
90 DPD - Cards
St a
ffi n
g and
Di stri
buti on
Ne tw
ork Gr o
wth
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
2001 2002
2003 2004
2005 2006
2007 2008
2009 Q110
Q210 Q310
Q410 Q111
Q211 Q311
Q411
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
2001 2002
2003 2004
2005 2006
2007 2008
2009 Q110
Q210 Q310
Q410 Q111
Q211 Q311
Q411
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
2001 2002
2003 2004
2005 2006
2007 2008
2009 Q110
Q210 Q310
Q410 Q111
Q211 Q311
Q411
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
2001 2002
2003 2004
2005 2006
2007 2008
2009 Q110
Q210 Q310
Q410 Q111
Q211 Q311
Q411
Em p
lo yee
s
Do m
es ti
c B
ran ch
N e
tw or
k A
TM N
e tw
or k
A TM
-Li n
k N
e tw
or k
Loan growth, qual it
y provi
si oni
n g
rel at
ive t o
peers
Bank Onl y,
As of September
2011
350 190
168 121
109 87
84 94
76 41
BCA BRI
Mandiri BNI
CIMB Niaga BII
Danamon Permata
Panin BTN
Rati o
of Prov
is ions
to NPL
276,325 259,036
176,315 155,508
117,270 85,265
66,741 61,708
57,236 55,473
BRI Mandiri
BCA BNI
CIMB Niaga Danamon
Panin Permata
BII BTN
T otal
Loans Rp
bn
22.0 18.3
17.1 16.0
15.2 14.8
14.5 13.9
13.5 11.9
Permata Mandiri
BNI Panin
BII CIMB Niaga
BCA BTN
Danamon BRI
Loan G
row th
Y TD
0.3 0.5
0.6 0.6
0.7 0.8
1.3 1.7
2.0 3.5
BCA Danamon
Mandiri BNI
Permata BRI
BII CIMB Niaga
Panin BTN
NPL Rati
o Net
112.3 99.5
92.4 89.2
89.0 85.8
82.0 78.3
76.3 58.3
BTN Danamon
CIMB Niaga BRI
Permata BII
Panin BNI
Mandiri BCA
Loan to
Depos it Rati
o
0.5 2.3
2.4 2.5
2.7 3.1
3.3 3.8
3.9 4.2
BCA Permata
Mandiri BII
CIMB Niaga Danamon
BRI BNI
Panin BTN
NPL Ratio G
ro s
s
A v
e rag
e
As set
and liabi
lit y
mi x
rel at
ive t o peers
Bank Onl y,
As of September
2011
2.6 3.6
