82 .8
88.8 93
.7 97
.1 97.1
102 .9
108 .8
12 1.9
119 .8
126.5 135
.4 151.8
150 .4
159 .9
166 .2
186 .9
179 .9
189.8 8.2 8.3
8.7 9.7 9.9 10.8 11.6
11.6 12.3 12.7 12.2
12.0 13.4 13.6 14.0
15.3 15.8 16.8 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
20.3 18.3 21.1
18.8 22.0 23.1 22.9 22.2 25.4 22.3
24.0 25.3
28.2 28.0 28.5 36.1
33.3 38.5
99 .6
105.7 109
.3 108.4
124 .4
127 .8
127 .0
147 .8
143 .5
140.8 140
.0 148
.1 120.8
137 .5
138 .9
150.7 152
.8 153.7
16.7 18.7
17.1 15.1
11.8 11.7 11.1
12.5 10.3 12.4 15.3
17.8 15.6
20.3 20.4
16.1 24.0
29.0
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
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
Q 1
13 Q
2 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 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
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
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
14.1 15.5 16.3
17.1 17.7 19.3
20.5 22.7 23.3
25.8 27.6
30.2 30.9
33.1 35.0
38.4 38.4 42.5
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
12.6 11.5 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
22.6
16.8 17.1 17.6
18.8 20.4 22.7
24.6 27.2 30.3
34.2 38.4
40.5 40.9
43.6 46.0
48.9 50.9 53.5
20 40
60 80
100 120
140 160
180 200
220 240
260 280
300 320
340 360
380 400
420 440
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
Q 1
13 Q
2 13
Subsidiaries Inst
SAM Micro
Small Cons
Comm Intl
Corp
Y-o-Y
43.2
11.8
37.4 26.3
18.7 Y-o-Y
58.1 28.3
21.1
Loans by SBU + Subsidiaries Rp Tn
16.0
4.3
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
4.3
23.6 22.3
428.7tn
Total Total
418.2tn 502.4tn
20.1
19.4 22.8
8
350.4tn
Strengthen leadership in wholesale transaction banking
12,366 users of Mandiri Cash Management products
Build 1 or 2 positions in key retail financing segments
Total Micro Outlets: 2,235
Total Cards Outstanding: 17.04 mn
Be the retail deposit bank of choice
1,835 Branches
11,454 ATMS
Debit Cards 10.89 mn
13.5 mn customers
Total Wholesales Fees Rp1.7Tn
1
Total Wholesale Low Cost Deposits Rp89.7Tn
Growth of Tx cash management 90.1 YoY
2
Total Retail Fees of Rp3.2 Tn
1
Total Retail Low Cost Funds Rp203.4Tn
YoY increase in of E-channel transaction: 6.6
Total Retail Loans of Rp118.8 Tn
Assets Spread Rp4.6 Tn
31.7 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
Assets 1H 2013
1H 2012 Liabilities
1H 2013 1H 2012
Cash 12,248
11,377 Current Account 113,016
87,001 Current Acc w BI Other Banks
51,618 41,123 Savings
206,573 173,433
Placement w BI Other banks 47,593
40,280 Time Deposits 182,781
157,787 Advances Other
16,217 14,311
Marketable Securities 15,866
10,427 Total Deposits 502,370
418,220
Government Bonds 79,627
80,438 Loans Gross
428,686 350,417 Securities Issued
1,812 1,622
Provisions of Loans 15,123
13,546 Deposits from other banks 23,714
29,360 Reverse Repo
1,955 10,584 Borrowings
11,587 9,915
Other Provisions 1,688
1,651 Other Int. Bearing Liabilities 9,371
10,527 Investments
12,651 9,867 Non Int. Bearing Liabilities
43,858 35,014
Deferred Tax Assets 3,316
3,014 Equity incl. Minority Interest 79,462
67,100 Other Assets
19,206 15,117
Total 672,173
571,758 Total 672,173
571,758
Rp Bn, Consolidated
11
Summary PL
Q2 2013 Q1 2013
Q2 2012 1H 2013
1H 2012 Y-o-Y
Q-o-Q
Rp Bn Rp Bn
Rp Bn Rp Bn
Rp Bn ∆ ℅
∆ ℅ Interest Income
11,713 11,402
10,284 23,114
20,222 13.9
2.7 Interest Expense
4,030 3,946
3,599 7,977
7,535 12.0
2.1
Net Interest Income 7,682
7,455 6,685
15,138 12,687
14.9 3.0
Net Premium Income 713
610 571
1,323 1,099
24.9 16.8
Net Interest Income Premium Income
8,395 8,066
7,256 16,461
13,785 15.7
4.1 Other Non Interest Income
Other Fees and Commissions 2,105
1,861 1,837
3,966 3,541
14.6 13.1
Foreign Exchange Gains - Net 398
226 405
624 615
1.6 76.2
Gain fr. sale Incr. in Val Sale of Bonds 115
46 149
70 15 22.3
na Others
864 1,140
900 2,004
1,594 3.9 24.2
Total Non Interest Income
3,252 3,273
2,993 6,525
5,735 8.7
0.6 Total Operating Income
11,647 11,339
10,249 22,986
19,520 13.7
2.7 Provisions, Net
1,422 1,089
863 2,511
1,800 64.7
30.6 Personnel Expenses
2,336 2,042
1,939 4,378
3,805 20.5
14.4 GA Expenses
2,322 2,034
2,004 4,356
3,619 15.9
14.2 Loss from decr. in value of Sec Gov Bonds
- -
- -
- -
na Other Expenses
409 566
545 975
1,085 25.0 27.9
Total Expense
5,067 4,642
4,489 9,709
8,508 12.9
9.2
Profit from Operations
5,158 5,608
4,896 10,766
9,213 5.4
8.0 Non Operating Income
69 42
25 112
199 175.7 63.6
Net Income Before Tax 5,227
5,650 4,921
10,877 9,412
6.2 7.5
Net Income After Tax
3,991 4,303
3,744 8,294
7,147 6.6
7.3
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 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
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
Q 1
13 Q
2 13
Loans Rp tn LDR
1.4 3.7 3.7
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
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
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
Q 1
13 Q
2 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
92.5 103
.1 110
.4 111
.7 118.
6 125
.2 129
.3 131.
7 129
.9 151.
9 42
.6 43
.6 45
.3 50
.6 50.4
54 .2
58.6 64
.7 64
.5 70
.7 75.3
81 .1
82 .9
90.1 93
.6 103.
102 .3
104 .4
14.4 15.8 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
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
19.7 20.6 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
Q 1
09 Q
2 09
Q3 9
Q 4
09 Q
1 10
Q2 1
Q 3
10 Q4
1 Q
1 11
Q 2
11 Q
3 11
Q 4
11 Q1
1 2
Q 2
12 Q3
1 2
Q 4
12 Q
1 13
Q 2
13 Corporate
Commercial Small
Micro Consumer
Quarterly Loan Segment Details
Bank Only
Y-o-Y
21.1 58.1
28.2 15.9
21.4 22.3
Total
14.0 6.4
11.3 27.8
40.5
Break down
As of June 2013; Non-consolidated numbers
12
34 .56
35 .24
37 .83
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
45 .47
45 .73
49 .62
48 .17
53 .29
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
50 60
70 80
90 100
110 120
Ma r
08 Ju
ne 8
Sep 08
Dec 08
Ma r
09 Ju
ne 9
Sep 09
Dec 09
Ma r
1 Ju
ne 10
Sep 1
Dec 10
Ma r
11 Ju
n e
11 Sep
11 Dec
1 1
Ma r
12 Ju
n 1
2 Sep
12 Dec
12 Ma
r 13
Ju n
1 3
20 25
30 35
40 45
50 55
60
Loan Fx LDR FX
USD Billion
Rp Trillion Bank Only Breakdown of FX lending Bank Only
Q2 13 Total USD 5.369Bn
0.02 0.05
0.10 0.23
0.25 0.32
0.37 0.56
0.68 1.33
1.47
Soc Serv Oth
Constr Utilities
Bus Serv Trans
Agri Trading
Mining Mfg
Oil Gas
36 14
45 14
-21 51
-17 1
27 -41
-6 FX Loans LDR
13
35.32 19.58
7.25 6.99
5.53
74.66
Corporate Commercial Small
Micro Cons Fin
Total
340.65 74.66
16.40 18.34
6.02 1.02
0.38 375.20
Q113 Disburs. Install. Payment Pay-off
FX Impact
Write- Offs
Q2 13
Loan Movement Rp tn – Bank Only Q2 2013
Loan Disbursement by Segment in Q2Rp tn – Bank Only
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
400 .2
442.0
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 68.7
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 15.6
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
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
21.1 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
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
Q 4
02 Q4
03 Q
4 04
Q4 05
Q 4
06 Q
4 07
Q 1
08 Q
2 08
Q 3
08 Q
4 08
Q1 09
Q 2
09 Q3
09 Q
4 09
Q 1
10 Q2
10 Q
3 10
Q4 10
Q 1
11 Q2
11 Q
3 11
Q 4
11 Q
1 12
Q 2
12 Q
3 12
Q 4
12 Q113
Q 2
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
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
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 5.6
4.0 3.5
3.4 2.7
3.0 2.7
2.3 2.1 1.5
0.7 0.8
0.7 0.5 0.3
0.6 0.6
0.7 0.7 0.6
5
Q 4
05 Q
4 06
Q 4
07 Q
1 08
Q 2
08 Q3
08 Q
4 08
Q1 09
Q 2
09 Q
3 09
Q4 09
Q1 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 Q312
Q 4
12 Q113
Q 2
13
13.22 12.0 11.19
12.1 13.16
12.9 12.9
12.83 12.6
12.19 13.09
12.7 12.5
11.8 12.1
11.9 12.5
11.4 11.6 11.8
11.3 11.2
10.8 10.79
7.70 8.04
9.19 10.26
10.58 8.52
7.18 6.73 6.24
7.32 6.5
4.85 4.07
3.9 4.00
3.39 3.85
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 3.10 2.96 3.11
3.05
5 10
15 20
Avg Loan Yield Avg Bond Yield
Avg COF
IDR
FX
16
Non-Loan Related Fees Commissions Q2-2013
Q1-2013 Q2-2012
Y-o-Y
Q-o-Q
Administration Fees
613 519
544 12.73
18.16
Opening LC, BG Cap Market custodian trustee
182 173
150 21.85
5.34
Subsidiaries
470 389
362 29.77
21.00
Transfer, Retail Transaction
309 286
259 19.65
8.39
Credit Cards
277 265
234 18.34
4.74
Mutual Fund, ORI Bancassurance
92 77
86 7.12
18.96
Syndications
28 13
72 60.91
119.09
Payroll Package
19 15
21 11.73
23.35
Others
113 124
109 4.25
9.31
Total
2,105 1,861
1,837 14.58
13.08
Foreign Exchange Gains
398 226
405 1.56
76.29
Gains Fr Sale Incr. in Value of Sec. Gov. Bonds
115 46
149 22.29
n.A
Cash Recoveries
658 904
661 0.34
27.12
Total Operating Income
11,647 11,338
10,248 13.66
2.74
of Non Loan Related fees to total opr. income
18.07 16.41
