13
Non-Loan Related Fees Commissions Q4-2012
Q3-2012 Q4-2011 FY
2012 FY
2011 Y-o-Y
Q-o-Q
Administration Fees
582 494
501 2,061
1,802 14.4
17.8
Opening LC, BG Cap Market custodian trustee
179 159
180 640
519 23.3
12.6
Subsidiaries
391 344
472 1,502
1,526 1.6
13.7
Transfer, Retail Transaction
400 299
236 1,201
872 37.7
33.8
Credit Cards
254 250
227 980
916 7.0
1.6
Mutual Fund, ORI Bancassurance
98 87
83 353
307 15.0
12.6
Syndications
35 19
68 163
221 26.2
84.2
Payroll Package
11 22
22 72
73 1.4
50.0
Others
136 98
95 428
307 39.4
38.8
Total
2,086 1,773
1,884 7,400
6,543 13.1
17.7
Foreign Exchange Gains
232 247
333 1,094
813 34.6
6.1
Gains Fr Sale Incr. in Value of Sec. Gov. Bonds
258 81
90 339
187 81.3
218.5
Cash Recoveries
861 505
772 2,550
3,588 28.9
70.4
Total Operating Income
11,737 10,658
8,790 41,931 35,546
18.0 10.1
of Non Loan Related fees to total opr. income
17.8 16.6
21.4 17.6
18.4 4.1
6.8
Breakdown of FY 2012 Non-Loan Related Fees Commissions Rp bn
827 1,0
04 1
,110 1,3
84 1
,051 1
,265 1
,459 1
,682 1
,524 1
,510 1,8
83 2
,107 1
,614 2
,004 2
,071 2
,565 1
,116 1,3
90 1
,019 1,3
28 1
,306 1
,375 1
,485 1
,612 1
,547 1
,631 1,6
71 1
,903 1
,865 1
,939 1
,869 2
,372
Q 1
09 Q2
09 Q
3 09
Q4 09
Q 1
10 Q
2 10
Q 3
10 Q
4 10
Q 1
11 Q
2 11
Q311 Q
4 11
Q 1
12 Q
2 12
Q 3
12 Q
4 12
GA Expenses Personnel Expenses
35.1 42.8
39.3 43.2
39.0 38.4
38.1 45.1
32.4 37.3
39.0 41.6
44.0 43.2
42.7 51.3
CIR
Breakdown of Q4 2012 Operating Expenses Quarterly Consolidated Operating Expenses CIR
Q Q
Q Growth
QoQ YoY
Personnel Expenses
Base Salary 531
540 478
1.7 11.1
Other Allowances 1,303
847 842
53.8 54.8
Post Empl. Benefits 6
69 55 108.7 110.9
Training 121
57 69
112.3 75.4
Subsidiaries 424
356 459
19.1 7.6
Total Personnel Expenses 2,372
1,869 1,903
26.9 24.6
GA Expenses
IT telecoms 294
250 174
17.6 69.0
Occupancy Related 605
384 481
57.6 25.8
Promo Sponsor 311
277 381
12.3 18.4
Transport Travel 169
116 162
45.7 4.3
Goods, Prof. Services Oth. 367
214 273
71.5 34.4
Employee Related 296
293 229
1.0 29.3
Subsidiaries 522
537 407
2.8 28.3
Total GA Expenses 2,565
2,071 2,107
23.9 21.7
Other Expenses 951
578 1,905
64.5 50.1
Total Operating Expenses 5,887
4,518 5,915
30.3 0.5
14
42.6 58.1
72 .5
91 .9
108 .9
115.9 112
.2 134
.0 172
.9 195
.8 242
.4 352
.5 399
.6
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
.7
2000 2001
2002 2003
2004 2005
2006 2007
2008 2009
2010 2011
2012 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 CAR
308 1,168 1,549
1,744 519
510 1,027 1,390 1,400
2,003 2,681 3,403
1,300 602
690 1,329
97 305
1,113 1,221 1,526
2,031 2,543 3,744
967 1,017
1,528 1,408
610 372
1,040 1,345
1,693 2,352
2,850 3,972
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
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 24.4
22.0 22.6
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 2011 was 17.17
15
1,099
1.1Tn from GIAA Recovery
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
Total Wholesales Fees Rp3.0 Tn
1
Total Wholesale Low Cost Deposits Rp89.1 Tn
Growth of Tx cash management 70.1 YoY
2
Total Retail Fees of Rp5.0 Tn
1
Total Retail Low Cost Funds Rp201.5 Tn
YoY increase in of E-channel transaction: 27.3
Total Retail Loans of Rp105.2 Tn
Assets Spread Rp9.0 Tn
30.9 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
16
Breakdown of Net Expansion in Corporate Lending Q4 12
– Q4 11 Total Rp20.0 tn
Rp Billion
2,536 295
516 641
691 818
966 1,316
1,340 1,451
1,539 2,295
2,425 3,283
4,998
3 ,000
2, 000
1 ,000
1 ,000
2 ,000
3 ,000
4 ,000
Others Mining-Metal Ore
Trad-Ret Roads Bridge
Real Estate Trad-Exp
Oth Constr Oth Bus serv
Trad-Dom Mining-Oil Gas
Mining-Coal Mfg-Chem
Electricity Mfg-FB
Plantations
23.3
22.4 39.6
36.6 85.2
14.8 155.1
15.4 54.2
26.0 72.4
25.6 17.2
96.9 -8.3
Rp Billion
Breakdown of Net Expansion in Commercial Lending Q4 12
– Q4 11 Total Rp21.8 tn
214 225
282 552
676 752
807 897
918 1,025
1,401 1,413
1,688 1,771
2,076 2,248
2,408 2,493
800 200
400 1
,000 1,
600 2
,200
Agri Equip Electricity
Mfg-NonM Trad-Ret
Mining-Oil Gas Mfg-FB
Others Vehicles
Mfg-Text Trad-Imp
Bus Serv Mining-Coal
Mfg-Metal Mfg-Chem
Plantations Mass Trans
Mfg-RawM Trad-Distr
72.5
22.2 44.4
34.1 27.5
70.9 32.0
45.2 15.1
48.0 11.2
29.6 29.4
183.1 60.0
564.5 58.0
4.5
17
745 2,414
4,066 6,153
7,784 10,943
11,899
2006 2007
2008 2009
2010 2011
2012
Cash Management Users Wholesale CASA Deposits
58 ,055
62 ,257
61 ,691
53 ,604
74 ,116
89 ,959
- 10,000
20,000 30,000
40,000 50,000
60,000 70,000
80,000 90,000
100,000
2007 2008
2009 2010
2011 2012
Total CASA IDR Billion
248 479
716 685
677 771
1 ,130
1 ,175
1 ,178
4 Q
10 1
Q 11
2Q11 3
Q 11
4Q11 1Q12
2 Q
12 3
Q 12
4 Q
12
Average of Cash Management Tx 000, total 13.1 Mn transaction in
2012
Exclude Mandiri Transaction System
18
74.0 YoY Growth
21.4 YoY Growth
Mandiri Cash Management Forex
431 685
956 1456
7,266 18,803
29,774 43,433
- 5,000
10,000 15,000
20,000 25,000
30,000 35,000
40,000 45,000
50,000
- 200.0
400.0 600.0
800.0 1,000.0
1,200.0 1,400.0
1,600.0
Dec 09 Dec 10
Dec 11 Dec 12
Value IDR Trillion of Trx 000
24 34
42 63
240,806 281,153
310,512 322,795
- 50,000
100,000 150,000
200,000 250,000
300,000 350,000
- 10.0
20.0 30.0
40.0 50.0
60.0 70.0
Dec 09 Dec 10
Dec 11 Dec 12
Value USD Billion of Trx
Wholesale Remittance Trade Transaction : Export, Import, Domestic
59 70
94 121
396,814 435,866
448,219 599,909
- 100,000
200,000 300,000
400,000 500,000
600,000 700,000
- 20.0
40.0 60.0
80.0 100.0
120.0 140.0
Dec 09 Dec 10
Dec 11 Dec 12
Value USD Million of Trx
85 85
110 125
454,120 495,813
510,916 517,251
420,000 430,000
440,000 450,000
460,000 470,000
480,000 490,000
500,000 510,000
520,000 530,000
- 20.0
40.0 60.0
80.0 100.0
120.0 140.0
Dec 09 Dec 10
Dec 11 Dec 12
Value USD Million of Trx
19
75.9 81
.3 86
.3 95
.5 88.2
93 .4
98 .5
109 .6
107 .3
112 .7
120 .4
134 .0
132 .7
140 .6
146 .1
165.0 6.8
6.9 7.4
8.1 9.3
10.2 11.0
11.0 11.7 11.9
11.5 11.3 12.7
12.8 13.0
13.7
5.6 6.1
8.0 9.4
8.2 8.8
9.1 11.1 10.5
11.9 12.2
15.7 14.6 15.4
16.1 18.6
2.3 2.5 2.4
2.7 2.7
2.7 3.3
3.2 3.5
3.5 4.1
4.2
62.9 65.1
68.7 68.5
71.8 70.6
68.7 70.5 69.0
68.6 70.8
73.1 71.6 70.3
71.5 71.4
7.4 7.4
7.5 6.8
6.0 5.7
5.8 5.8
5.3 5.2
5.2 5.3
5.0 5.0
5.1
20 40
60 80
100 120
140 160
180 200
220 240
260
Q 1
09 Q
2 09
Q 3
09 Q
4 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
Q 1
12 Q
2 12
Q 3
12 Q
4 12
Rp Savings Deposits FX Savings Deposits
Rp Demand Deposits FX Demand Deposits
Rp Time Deposits FX Time Deposits
Retail Deposit Analysis – Bank Only
4.2 3.5
3.5 3.1
2.5 2.3
2.2 2.0
1.9 2.8
2.5 2.6
2.1 2.2
2.4 2.1
1.5 9.5
8.7 7.2
6.5 6.5
6.7 6.5
6.5 5.7
5.0 4.9
5 10
15 Rp DD
Rp Savings Rp TD
Average Quarterly Deposit Costs
1.1 0.9
0.6 0.1
0.2 0.1
0.2 0.3
0.2 3.9
3.3 3.0
1.9 1.0 0.5
0.5 0.4 0.8
0.8 0.7
0.6 2
4
Q 1
09 Q2
09 Q3
09 Q
4 09
Q 1
10 Q
2 10
Q3 10
Q 4
10 Q
1 11
Q 2
11 Q
3 11
Q 4
11 Q
1 12
Q 2
12 Q
3 12
Q 4
12 FX DD
FX TD 62.5
62.3 64.7
63.4 63.8
66.1 63.3
63.8 66.1
63.8 66.5
69.6 70.1
CASA as of total deposits
20
72.5
Quarterly Transaction Volume Mn Quarterly Transaction Value Rp tn
Quarterly Users Mn
Inactive cards have been purged 122.9
142.0 141.9
148.1 168.1
186.2 189.4
204.0 212.3
226.6
42.3 38.6 41.7 40.8
43.0 40.7
44.7 44.1
7.9 11.6
15.0 15.4 21.3 25.4
26.2 27.3
32.2 35.5
8.3 16.5
26.6 31.8
49.7 68.5
77.8 84.7
85.3 66.7
25 50
75 100
125 150
175 200
225 250
Q 1
09 Q
2 09
Q 3
09 Q4
09 Q1
1 Q
2 10
Q 3
10 Q
4 10
Q 1
11 Q
2 11
Q3 1
1 Q
4 11
Q 1
12 Q
2 12
Q 3
12 Q
4 12
ATM Branch
SMS Banking Internet Banking
77.1 95.5
97.1 107.5
130.8 147.7
153.8 159.9
170.0 177.3
1.4 2.1
2.6 2.93.9 4.6
5.0 5.5
6.6 8.8 4.8
7.1 8.7
11.7 16.3
21.5 23.5
25.6 26.8 28.7
20 40
60 80
100 120
140 160
180 200
Q 1
09 Q
2 09
Q 3
09 Q
4 09
Q 1
10 Q
2 10
Q 3
10 Q
4 10
Q 1
1 1
Q211 Q
3 11
Q 4
11 Q
1 12
Q 2
12 Q
3 12
Q 4
1 2
ATM SMS Banking
Internet Banking
9.95
7.20 7.67
8.06 8.35
8.72 8.96
9.24 9.65
9.99 10.16
2.16 3.17
4.21 4.61 4.61
5.08 5.29
5.47 5.63 5.74
1.11 1.21 0.92 1.01 1.03
1.16 1.21
1.26 1.31
1.36
2 4
6 8
10 12
Q 1
09 Q
2 09
Q 3
09 Q
4 09
Q1 1
Q 2
10 Q3
1 Q
4 10
Q 1
11 Q
2 11
Q 3
11 Q4
1 1
Q 1
12 Q
2 12
Q 3
12 Q
4 12
Debit Cards SMS Banking
Internet Banking
21
Pre-Paid Card Volume 000s
489 774 386 560 506
648 775 1,748
2,118 4,670
2,418 2,8483,156
3,326 3,741
3,966 5,072
5,908 8,146
11,680 18,356
20,211 22,112
28 7 9
14 19 14 12 14 9
214 209
19
Q 4
09 Q
1 10
Q 2
10 Q
3 10
Q 4
10 Q1
1 1
Q 2
11 Q3
1 1
Q 4
11 Q
1 12
Q 2
12 Q
3 12
Q 4
12
Indomaret e-Toll
Gaz e-Money
Pre-Paid Transaction Volume 000s
22
volume for quarter
E-Money as re-brand prepaid Mandiri, published on Oct 15, 12.
Can be used for Toll-road Transactions Jabodatabek, Parking ISS Parking,
Bus Trans Solo Trans Jogja, Fuel Pertamina Gas Stations, Retail
Shops Indomaret, Alfamart, Alfamidi, Lawson, Superindo, Restaurants
Solaria, Excelso, Es Teller 77.
Can be owned by all customers non customers with a maximum balance of
Rp 1 million. Recharge available at Mandiri ATM, ATM Bersama, E-money
machines, and E-money merchants.
165.6 259.0
293.0 353.0
458.0 516.7
626.8 688.3
773.3 846.2
981.3 1,093.3
1,226.0
99.5 129.3
150.0 163.0
183.0 204.0
295.0 367.5
505.8 693.3
919.8 1,097.9
1,412.0
34.3 36.0
39.3 43.0
45.0 47.6
47.7 48.1
49.4 49.4
49.7 49.7
58.0 3.7
D ec
-09 Mar
-10 Jun
-10 Sep
-10 D
ec -10
M ar
-11 Jun
-11 Sep
-11 D
ec -11
M ar
-12 Jun
-12 Sep
-12 D
ec -12
Indomaret e-Toll
Gaz e-Money
Volume Mandiri Business Saving Account Tn
3.5 4.8
8.0 17.7
34.7 59.4
2007 2008
2009 2010
2011 2012
Fee Income from e-channel Tx Bn
23
23,690 27,611
33,732 47,127
92,903 180,532
2007 2008 2009 2010 2011 2012
Numbers of EDC
71.1 YoY Growth
52.1 89.4
126.2 200.3
258.2 315.2
65.5 98.5
166.6 196.5
285.7 318.6
81.9 110.5
194.5 249.3
313.9 361.8
89.0 117.8
223.7 268.5
312.8 464.4
2007 2008
2009 2010
2011 2012
Q4 Q3
Q2 Q1
24.7 YoY Growth
Rp Bn
38,999 47,749
8,750
FY 2011 Growth
FY 2012
YoY 22.4
Consumer Finance Rp Bn
30,202 38,438
8,236
FY 2011 Growth
FY 2012
YoY 27.3
Business Banking Rp Bn
Micro Credit
11,845 19,005
7,160
FY 2011 Growth
FY 2012
YoY 60.4
60 ,676
63 ,323
6 6
,8 5
1 73
,324 81
,04 6
84 ,675
91 ,504
96 ,268
105 ,192
27.7 28.6
27.6 28.3
29.6 29.6
29.8 30.2
30.9
20.00 22.00
24.00 26.00
28.00 30.00
32.00
30,000 40,000
50,000 60,000
70,000 80,000
90,000 100,000
110,000 120,000
Q 4 2010
Q1 20 11
Q 2 2011
Q 3 2011
Q 4 2011
Q 1 2012
Q 2 2012
Q 3 2012
Q 4 2012
Retail to Total Loans
Retail to Total Loans
Micro Credit Business Banking
Consumer Finance
24
200 300
502 600
800 800
878 928
10 152
480 710
760
2008 2009
2010 2011
2012
Branch Unit
Kiosk
271 430
562 694
815
2008 2009
2010 2011
2012
Customers 000 Network
Of New Customers
73 ,566
79 ,500
76 ,325
94 ,855
74 ,037
110 ,000
121 ,007
146 ,359
12 6,5
09 140
,064 13
1,7 15
147 ,825
Q1 10
Q2 10
Q3 10
Q4 10
Q1 11
Q2 11
Q3 11
Q4 11
Q1 12
Q2 12
Q3 12
Q4 12
25
1 ,347
1 ,646
1 ,645
2,1 95
1 ,826
2,5 22
2 ,791
4,2 08
3 ,397
4 ,525
4 ,435
5 ,764
Q 1
10 Q
2 10
Q 3
10 Q
4 10
Q 1
11 Q
2 11
Q 3
11 Q4
1 1
Q 1
12 Q2
1 2
Q 3
12 Q4
1 2
Booking
Outstanding – Rp Tn
4.4 5.4
7.3 11.8
19.0 2.0
2.3 2.8
3.9 6.3
0.00 0.50
1.00 1.50
2.00 2.50
3.00 3.50
4.00 4.50
5.00 5.50
6.00 6.50
7.00
1 2
3 4
5 6
7 8
9 10
11 12
13 14
15 16
17 18
19 20
2008 2009
2010 2011
2012
Mandiri Microfinance Outstanding Mandiri Market Share
Booking Volume – Rp Bn
16.5 16.5
17.3 16.9
17.9 17.7
17.1 21.0 20.8
20.6 20.2
18.7 Asset Spreads
26
November 2012
• Scorecard Refinement •Training Capacity
Development of Managers
•MKA Revitalization focus on credit analysis
verification
•Loan Factory for Fixed Income Loan
•FIN-1 Collection System •Change in Organization
•Crash Program for NPL debtors settlement
Origination Targeting
Maintenance Review
Collection
Operational Risk Building New
Business
•750 MKS and 250 M3KCM added this year
•Biweekly RTTA Risk, Threshold, Trigger
Action Plan Review Forum
•Mobile Sales and Maintenance System for MKS
•Incentive Scheme Refinement
•Post Transaction Control Welcome Call
•Savings •Pension Loans
•Joint Cooperation with Mandiri AXA General Insurance MAGI
•Joint Cooperation with Bank Syariah Mandiri BSM
– for Gold Pawning
•3,720 EDC hand held rolled out
•Early Warning System Development
•25 CQOCAO added this year
27
10 ,017
13 ,500
14 ,268
15,523 16
,466 17
,779 18
,764 20
,113 20
,919 22,818
3 ,753
3,957 3
,964 3
,979 3
,949 3
,887 3
,777 3
,679 3
,571 3,471
4 ,541
5 ,428
5 ,643
5 ,919
6 ,100
6,233 6
,335 6,587
6 ,942
6 ,871
2,989 3,589
3,575 3,761
3,910 4,296
4,245 4,492
4,590 5,035
1,376 2,826
3,454 3,492
4,200 5,115
5,829 6,593
6,609 7,209
915 1,393
1,454 1,583
1,630 1,690
1,772 1,840
1,847 2,345
2,500 5,000
7,500 10,000
12,500 15,000
17,500 20,000
22,500 25,000
27,500 30,000
32,500 35,000
37,500 40,000
42,500 45,000
47,500 50,000
Q 4
09 Q
4 10
Q 1
1 1
Q 2
11 Q
3 11
Q 4
11 Q
1 12
Q 2
12 Q
3 1
2 Q
4 12
Other Auto
Credit Cards Payroll Loans
Home Equity Loans Mortgages
Loan Type Growth
Y-o-Y Q-o-Q
Other 38.78
26.95 Auto Loans
40.93 9.07
Credit Cards 17.21
9.69 Payroll Loans
10.25 1.02
Home Equity Loans 10.69
2.96 Mortgages
28.34 9.08
Total Consumer 22.44
7.34
Quarterly Consumer Loan Balances by Type Consumer Loan Growth by Type
Rp47.8 tn
Auto Motorcycle Loans channeled or executed through finance companies = Rp 8.37Tn in our Commercial Loan
Portfolio
28
375 566
852 966
1 ,146
587 302
78 257
576 884
761 398
341 425
606 694
1,3 06
1 ,369
1 ,656
1 ,530
1 ,592
981 1,7
71
Q 1
10 Q
2 10
Q 3
10 Q
4 10
Q 1
11 Q
2 11
Q 3
11 Q
4 1
1 Q
1 12
Q 2
1 2
Q 3
12 Q
4 12
JF Non JF
Total Booking and the Breakdown for Joint Financing and Non JF
Breakdown of Financing
405 539
806 1,1
01 1
,370 1
,364 1
,245 1
,355 1
,353 1,6
09 1
,420 2
,075 309
306 351
372 350
422 342
312 373
486 396
401
61 79
118 99
118 109 84
67 60 72
49 56
Q 1
10 Q
2 10
Q 3
10 Q
4 10
Q 1
11 Q
2 1
1 Q
3 11
Q 4
11 Q
1 12
Q 2
1 2
Q 3
12 Q
4 12
Motorcycle Used Car
New Car
FY 2012 Performance
29 Rp Bn
FY 2012
FY 2011
Change
Loans 11,444
8,361 36.87
Net Income after tax 116.48
65.77 77.10
Approval Rate 87.51
84.39 3.12
Disbursement 8,351
7,139 16.98
NIM 3.12
2.69 0.42
ROA 4.16
2.83 1.33
ROE 25.04
16.92 8.11
CER 45.73
46.41 0.68
NPL 1.22
1.11 0.11
12,655 16,202
10,983 8,334
12,912 16,966
15,148 15,412
16,332 15,895
18,148 17,506
17,417 17,479
17,498 15,758
13,516 12,922
11,844 11,410
12,134 12,053
13,769 12,864
2,0 00
4 ,000
6 ,000
8 ,000
10 ,00
12 ,000
14 ,000
16 ,000
18 ,000
20 ,000
Q4 01 Q4 02
Q4 03 Q4 04
Q4 05 Q4 06
Q4 07 Q4 08
Q1 09 Q2 09
Q3 09 Q4 09
Q1 10 Q2 10
Q3 10 Q4 10
Q111 Q211
Q311 Q411
Q112 Q212
Q312 Q412
2 -
Sp eci
al M
en ti
on Loa
n s
Rp B
n
26 .2
24 .8
15 .0
9.4 12
.9 15
.5 11
.9 9
.7 9
.7 9.6
9 .0
8 .4
7 .2
6.1 5
.3 4
.2 4
.2 3
.9 4
.3 3.8
Cat 2
N P
L Mov
em en
t -
C onso
lida ted
34.90 19.80
9.70 7.30
8.60 7.10
25.28 16.34
7.17 4.73
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
70 .0
146 .7
129 .5
190.4 139
.1 128
.8 44
.4 127
.1 200
.5 219
.1 192.4
172 .2
155 .5
174 .2
185 .1
185 .2
189 .6
193 .4
Q4 99 Q4 00
Q4 01 Q4 02
Q4 03 Q4 04
Q4 05 Q4 06
Q4 07 Q4 08
Q4 09 Q1 10
Q2 10 Q3 10
Q4 10 Q111
Q211 Q311
Q411 Q112
Q212 Q312
Q412
Gro ss
N PL
Rat io
Pr o
vN PL
Gross NPLs
1 .8
, coverage at
193 .4
- Category
2 loan
decl ine
d t o
3 .8
C a
teg or
y 2
Loans –
B an
k On ly
NPLs Rp tn
Q
Rp tn NPLs
Corporate 2.40
0.30 1.82
Commercial 1.15
0.19 1.12
Small 0.94
0.04 2.43
Micro 0.61
0.01 3.20
Consumer 0.34
0.02 1.82
Total 5.97
0.18 1.74
Non-Performing Loans by Segment
Excluding loans to other banks.
Movement by Customer Segment Rp Bn
6.15 0.49
0.88 0.16
0.49 0.08
5.97
Q3 12 UG to PL
DG to NPL Payment Write-Offs Other
Q4 12
Non-Performing Loan Movements Rp tn – Bank Only
31
316
15 -
16
295 69
28 216
150
47 237
144 88
121
128
- 100
200 300
400 500
600 700
800 900
1,000
UG to PL DG to NPL
WO Corp
Comm Micro
Small Cons
Total Loans originated since 2005 Net
Upgrades Downgrades
Q4 2012 Details
Loan Background
Q Balance
Rp bn Q4
2010 Q1
2011 Q2
2011 Q3
2011 Q4
2011 Q1
2012 Q2
2012 Q3
2012 Q4
2012 DG to
NPL UG to
PL
Corporate 120,125.01
0.05 0.45
- 0.20
0.29 -
0.03 0.01
0.25 0.01
0.26
Commercial 96,101.89
0.04 0.27
0.05 0.13
0.00 0.25
0.15 0.05
0.27 0.28
0.02
Small 34,854.07
0.37 0.92
0.91 0.91
0.29 0.77
0.70 0.84
0.49 0.62
0.12
Micro 18,889.09
1.51 2.08
1.69 1.93
1.03 1.51
1.30 1.37
1.00 1.15
0.15
Consumer 47,103.73
0.14 0.45
0.28 0.33
0.08 0.32
0.24 0.25
0.07 0.25
0.18
Total
317,073.78
0.12 0.51
0.22 0.34
0.21 0.28
0.23 0.22
0.11 0.26
0.15
downgrades and
upgrades are quarterly figures
32
Total Assets Rp54.2 tn
Bond Trading Volume Rp67.1 tn
Total Assets Rp14.5 tn
Total Loans Rp635bn
Total Financing Rp8.4tn
Total Financing Rp44.5 tn
Equity FI Underwriting Rp10.9 tn
Annual FYP Rp 3.1 tn
Net Interest Margin 10.34
Net Interest Margin 3.12
Total Deposits Rp47.4 tn
Equity Trading Volume Rp68.4 tn
Fee Contribution Rp460.7 bn
ROA 2.01
ROA 4.16
ROE 25.04
ROE 3.30
ROE 75.20
ROE 10.81
ROE 25.04
• Remain the leader in syariah financing
• Capital injection program over 3 years
• Cross-sell syariah products to Mandiri customers
• Expansion of business to fully utilize current capital
base • Cross-sell capital market
services to broad range of Mandiri customers
• Refocus business toward higher fee income
• Provide end-to-end bank assurance business
• Continue to build cross- sell opportunities in
various segments • Bank assurance products
complete our suite of consumer offerings
• Enhance operating model • Improve risk management
systems and IT • Improve productivity
• Use Ba k Ma di i s network and customer
throughout Indonesia to develop multi-finance
segment, especially in vehicle-ownership
financing.
Investment Banking Syariah Banking
Insurance Niche Banking
Bank Sinar Harapan Bali
Multi-Finance
33
Loss of Rp52 Bn from the sale of Garuda shares
AXA Man
di ri
Fi nan
ci al
Servi ces
Performances
N e
t Pr
o fi
t Af
ter Ta
x i
n Bn
An n
u al
Fi rs
t Yea
r Pr
em iu
m AFY
P i
n Bn
Of P
o lic
yho ld
er s
89 90
245 235
171 183
237 255
258 234
262 259
1Q 10 2Q 10
3Q 10 4Q 10
1Q 11 2Q 11
3Q 11 4Q 11
1Q 12 2Q 12
3Q 12 4Q 12
403 599
549 673
820 742
769 946
796 892
712 667
1Q 10 2Q 10
3Q 10 4Q 10
1Q 11 2Q 11
3Q 11 4Q 11
1Q 12 2Q 12
3Q 12 4Q 12
29 .5
Yo Y
Gr o
w th
710,481 810,604
892,582 1,518,536
1,602,778 1,638,543
1,695,242 1,744,124
1,790,508 1,858,702
1,878,121 1,918,703
1Q 10 2Q 10
3Q 10 4Q 10
1Q 11 2Q 11
3Q 11 4Q 11
1Q 12 2Q 12
3Q 12 4Q 12
10 .0
Yo Y
Gr ow
th
1 .3
Yo Y
Gr o
w th
As o
f Dec 31
Rp T
n
2012 2011
App rai
sal V
al u
e 28
.9 31
.3 34
Risk Profile CAR Min
1 – Low
8 2
– Low to Moderate 9 - 10
3 – Moderate
10 - 11 4
– Moderate to High 5 - High 11 - 14
Bank Mandiri is under the LOW isk p ofile
BUKU Tier 1 Capital
1 Rp 1 Trillion
2 Rp 1 Trillion - Rp 5 Trillion
3 Rp 5 Trillion - Rp 30 Trillion
4 ≥ Rp 30 Trillion
Ba k Ma di i is u de BUKU 4 . Minimum 70 loans and financing to
the productive sector required to be met at the end of June 2016.
Branch Sub Branch
Cash Office Total
Zone 1 21
286 114
421 Zone 2
38 609
109 756
Zone 3 15
110 20
145 Zone 4
29 164
32 225
Zone 5 18
124 11
153 Zone 6
12 54
5 71
Total 133
1347 291
1771
Branch Networking by Zone Bank
Ma diri s Capital Requirement Based on our Risk Profile Bank Mandiri Capital Requirment
At October 31, 2012
36
Target 2012 FY 2012
Realization Target 2013
Gross Loan Growth YoY 22 - 24
23.7 20 - 22
Low Cost Deposits Consolidated 300 Tn
316.1Tn 350 Tn
Net Interest Margins ~ 5.20
5.46 ~5.50
Efficiency Ratio ~ 45
45.5 ~45
Gross NPLs 3
1.87 2.25
Cost of Credit ~ 1
– 1.2 1
~1.1 - 1.3
of New ATMs 1,500
2,004 1,500
of New EDCs 70,000
87,449 25,000
– 50,000 of New Micro Outlets
300 309
200 - 300 of New Conventional Branches
60 71
60
37
Operating Performance
Highlights
38 Rp bn
Rp bn
4,065 1,201
877 592
5,551 237
5,314
741 522
1,075 393
1,088 547
1,106 824
954 1,403
537 1,138
416 1,187
1,385
659 1,144
1,011 1,035
1,438
2008 2009
2010 2011
2012 Q1
Q2 Q3
Q4
48.9
2,483
Performance to Date: FY 2012 Contribution Margin Profit Before Tax Strategies for 2012
1. Implement The Account Plan for top Corporate Banking
Customers to re-identify and have better understanding of
the lie t s usi ess eeds. Improve the organizational
alignment by implementation of the Client Coverage
Concept to execute the Account Plan Strategy.
2. Strengthen business alliances with Mandiri Sekuritas by
offering other external funding solutions to Corporate
Banking client and vice versa.
3. Refocusing overseas branches business to Indonesian related
companies which are located abroad and extent its business
exposure by offering Wealth Management Products.
3,326 3,910
3,569 5,314
FY 2012 FY 2011
Y-o-Y
Revenues 424
449 5.5
• Investment Banking 102
144 29
• Capital Market 234
224 4.5
• Investment Mgt 88
81 8.6
• Asset Recovery
Operating Expenses 312
316 1.3
Earnings After Tax 28
69 59
Equity Transactions – bn
68,366 80,849
15 SUN Transactions - bn
67,127 51,989
29 Bonds Underwritten - bn
10,913 14,141
23
ROA 1.6
7 77
ROE 3.3
8.9 63
Rp Bn
39
40
1.
Optimizing Online FX Dealing System, 99 Mandiri Money
Changer and 91 Regional Treasury Marketing.
2.
Enhancing Treasury core system.
3.
Intensifying cooperation with correspondent banks.
4.
Developing infrastructure to focus on remittance, trade and
capital market businesses.
5.
Maintaining NPL ratio by optimizing joint effort and
early warning system EWS.
6.
Optimizing legal actions in collecting written off loans.
7.
Developing procurement partnership for long term
relationship.
8.
Optimizing e-auction for procurement process.
• 2010 – 2012 : Including collection from SAM and excluding International branches except Cayman
• 2011 Including collection from Garuda Indonesia non recurring
944 3,783
5 4,722
702 5,434
210 455
724 3,091
1,159 153
348 1,338
389
1,164
322 316
1,247 954
911
118 263
1,540 1,660
2,200
2008 2009
2010 2011
2012
Q1 Q2
Q3 Q4
803
10.8
4,848
1,382 6,094
Performance to Date: FY 2012 Contribution Margin Profit Before Tax Strategies for 2012
Rp bn Rp bn
5,434
852 923
939 1,010
1,776 946
1,266 1,176
1,314 2,024
714 1,166
1,174 1,057
1,907
665 1,094
1,420 1,677
2,159
2008 2009 2010 2011 2012
Q1 Q2
Q3 Q4
incl CM of Small Business BSMin June 2010 Decline due to PSAK5055Implementation
41
8,206 797
1,029 970
9,062 1,196 7,866
55.5
3,026
1. Supporting Bank Mandiri Wholesale Banking vision as an Integrated
Wholesale Bank through sophisticated, customized and
completed services can increase revenue especially through potential
business like Wholesale Banking Deposit and Fee Income.
2. Increasing profit and market share through customer existing share of
wallet, increasing revenue from new customer and NPL control.
3. Provide best total business solution for customer by developing product
and services including quality bundling product, quick services and
competitive price.
4. Effective Alliance in units based on customer base in Commercial and
Small segment, especially in developing value chain business.
4,449 4,709
5,058
Performance to Date: FY 2012 Contribution Margin Profit Before Tax Strategies for 2012
Rp bn Rp bn
7,866
6 .3
6 .3
6 .6
6 .2
6 .2
6 .4
6.6 6
.0 5
.9 6.9
7 .5
6 .9
6.9 7
.0 7
.4
Q 4
07 Q
4 08
Q 4
09 Q
1 10
Q 2
10 Q
3 10
Q 4
10 Q111
Q 2
11 Q
3 11
Q411 Q
1 12
Q 2
12 Q312
Q 4
12
12.4 13.0
12.7 12.0
12.1 12.1
12.3 13.3
13.2 13.2
13.0
11.5 12.0
12.2 12.4
5 .4
5.7 5
.6 4
.7 4
.9 5
.0 5
.1 5
.0 5
.5 5
.4 5
.2 4
.5 4.7
4 .5
4.5
1 .31
13 .25
16 .06
1 7
.65 19
.87 21
.44 23
.97 27
.09 30
.01 34
.41 36
.73 37
.44 39
.93 41
.82 4
4 .50
Q 4
07 Q4
08 Q
4 09
Q 1
10 Q2
10 Q
3 10
Q 4
10 Q
1 11
Q 2
11 Q
3 11
Q 4
11 Q
1 12
Q 2
12 Q
3 12
Q 4
12 Financing
42
91.1 89