17
Non-Loan Related Fees Commissions 4Q
3Q 4Q
FY FY
FY Y-o-Y 4Q Y-o-Y Q-o-Q
2015 2015
2014 2015
2014
Administration Fees 840
805 707
3,087 2,704
14.2 18.8
4.4 Opening LC, BG Cap Market custodian trustee
308 272
258 1,111
931 19.3
19.7 13.5
Subsidiaries 9
292 339
1,031 1,481
30.4 102.6 103.0 Transfer, Retail Transaction
599 480
543 1,992
1,626 22.5
10.3 24.9
Credit Cards 382
386 410
1,547 1,427
8.4 6.9
1.0 Mutual Fund, ORI Bancassurance
109 85
94 388
353 10.2
16.8 28.4
Syndications 80
34 52
214 137
56.1 54.5
135.0 Payroll Package
20 21
18 77
74 3.8
9.6 5.5
Others 113
171 113
567 398
42.4 0.0
33.7
Total 2,443
2,546 2,534 10,015
9,132 9.7
3.6 4.0
Foreign Exchange Gains 844
533 399
2,238 1,588
41.0 111.2
58.1 Gains Fr Sale Incr. in Value of Sec. Gov. Bonds
178 134
111 257
381 32.5
60.3 NA
Cash Recoveries 1,161
731 771
3,041 2,607
16.6 50.6
58.8 Other Income
854 1,451
361 3,085
1,361 126.7
136.3 41.1
Total Fee Based Income As Reported 5,479
5,127 4,176 18,636 15,069
23.7 31.2
6.9 of Non Loan Related fees to total opr. Income
28.7 29.7
26.6 27.8
26.5
18
1 ,3
8 4
1 ,6
8 2
1 ,5
2 4
1 ,5
1 1
,8 8
3 2
,1 7
1 ,6
1 4
2 ,0
4 2
,0 7
1 2
,5 6
5 2
,0 3
4 2
,3 2
2 2
,3 7
5 3
,1 6
7 2
,3 9
2 ,6
9 3
2 ,9
5 8
3 ,4
8 8
2 ,5
7 4
3 ,1
7 3
3 ,3
2 2
3 ,7
3 1
,3 2
8 1
,6 1
2 1
,5 4
7 1
,6 3
1 1
,6 7
1 1
,9 3
1 ,8
6 5
1 ,9
3 9
1 ,8
6 9
2 ,3
7 2
2 ,0
4 2
2 ,3
3 6
2 ,6
7 9
2 ,3
7 4
2 ,6
2 6
2 ,6
6 2
2 ,7
5 2
2 ,8
7 2
,9 2
3 ,1
9 2
,9 3
3 ,4
4 4
4 Q
9 4
Q 1
1 Q
1 1
2 Q
1 1
3 Q
1 1
4 Q
1 1
1 Q
1 2
2 Q
1 2
3 Q
1 2
4 Q
1 2
1 Q
1 3
2 Q
1 3
3 Q
1 3
4 Q
1 3
1 Q
1 4
2 Q
1 4
3 Q
1 4
4 Q
1 4
1 Q
1 5
2 Q
1 5
3 Q
1 5
4 Q
1 5
GA Expenses Personnel Expenses
Breakdown of 4Q 2015 Operating Expenses Quarterly Consolidated Operating Expenses CIR
Rp Bn Rp Bn
43.2 45.1
32.4 37.3
39.0 41.6
44.0 43.2 42.7
51.3
41.1 43.1
42.5 48.4
41.843.2 46.6
44.4 44.4
45.2 40.1
42.7
CIR
4Q 2015
4Q 2014
FY 2015
FY 2014
Growth QoQ
4Q YoY
FY YoY
Personnel Expenses
Base Salary 786
675 3,137
2,725 1.1 16.5
15.1 Other Allowances
1,485 1,261
5,806 5,151
3.6 17.8
12.7 Post Empl. Benefits
191 82
475 308 92.1 132.6
54.1 Training
287 187
485 429 190.2 53.9
13.0 Subsidiaries
694 602
2,473 2,235 45.9
15.3 10.7
Total Personnel Expenses 3,444
2,807 12,377 10,848 18.6 22.7
14.1 GA Expenses
IT telecoms 484
441 1,817
1,504 1.0 9.9 20.8
Occupancy Related 889
787 2,810
2,412 27.6 12.9 16.5 Promo Sponsor
426 357
1,149 1,100 42.3 19.5
4.5 Transport Travel
184 209
634 656 17.7 11.8 3.2
Goods, Prof. Svcs. Oth. 550
517 1,633
1,599 20.0 6.5
2.1 Employee Related
494 491
1,991 1,811 3.6
0.7 10.0 Subsidiaries
702 686
2,766 2,366 1.1
2.2 16.9
Total GA Expenses 3,730
3,488 12,800 11,448 12.3 6.9 11.8
Other Expenses 906
620 3,578
3,078 21.6 46.1 16.2 Total Operating Expenses
8,080 6,914 28,755 25,374 15.9 16.9 13.3
Top 10 Segments in Corporate Lending Expansion 4Q
5 – 4Q 4 Total Rp23.11 Tn
Rp Bn
608 625
899 971
1,824 2,070
2,636 3,120
4,586 7,119
Bus Serv Agri Equip
Soc Serv Mfg-Metal
Mfg-PP Mfg-Chem
Mfg-RawM Plantations
Trad-Exp Mfg-FB
30.80
19.84 13.50
11.40 8.96
7.89 4.20
3.89 2.70
2.63
Rp Bn
Top 10 Segments in Commercial Lending Expansion 4Q
5 – 4Q 4 Total Rp17.78 Tn
841 884
988 1,027
1,160 1,355
1,406 1,420
2,202 6,952
Trad-Exp Soc Serv
Mfg-Text Trad-Distr
Mfg-Metal Mfg-RawM
Mfg-FB Trad-Imp
Mfg-Chem Plantations
39.1
12.4 8.0
7.9 7.6
6.5 5.8
5.6 5.0
4.7
19
W h
o le
sal e
T ran
sac ti
o n
s D
ri vi
n g
C A
SA
W h
o le
sal e
C A
SA D
e p
o si
ts
R p
B n
58,055 62,257
61,691 53,604
74,116 89,959
74,334 73,192
140,278
1 ,0
10, 000
30, 000
50, 000
70, 000
90, 000
110, 000
130, 000
150, 000
2007 2008
2009 2010
2011 2012
2013 2014
2015
9 1
.7 Y
o Y
G ro
w th
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
2006 2007
2008 2009
2010 2011
2012 2013
3Q14 4Q14
1Q15 2Q15
3Q15 4Q15
C a
sh Ma
n a
g e
m e
n t
U se
rs
248 677
1,178 2,201
2,657 3,598
3,989 4,484
4,832 5,123
5,266 5,384
4Q10 4Q11
4Q12 4Q13
1Q14 2Q14
3Q14 4Q14
1Q15 2Q15
3Q15 4Q15
A ve
rag e
o f
C a
sh Ma
n a
g e
m e
n t
, t
o tal
1 6
.2 Mn
tr an
sac ti
o n
s in
4 Q
2 1
5
E xc
lu d
in g
M an
d ir
i T
ran sa
ct io
n S
ys te
m
21 Forex
3 4
4 2
6 3
6 1
5 6
4 1
281,153 310,512
322,795 399,500
379,730 348,436
- 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
Dec 10 Dec 11
Dec 12 Dec 13
Dec 14 Dec 15
Value USD Bn of Trx
Wholesale Remittance
7 9
4 1
2 1
1 3
5 1
4 6
1 2
6
435,866 448,219
599,909 651,241
739,046 730,011
- 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
Dec 10 Dec 11
Dec 12 Dec 13
Dec 14 Dec 15
Value USD Mn of Trx
Mandiri Cash Management
5 4
9 8
1 8
1 ,5
1 9
2 ,2
3 1
3 ,1
2 3
,7 7
8
2,503 7,668
13,676 24,543
44,184 61,599
-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
Value Rp Tn of Trx 000
Trade Transactions : Export, Import, Domestic
Excluding Mandiri Transaction System
8 5
1 1
1 2
5 1
3 3
1 3
7 1
2 7
495,813 510,916
517,251 520,948
509,207
468,870
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
160.0
Dec 10 Dec 11
Dec 12 Dec 13
Dec 14 Dec 15
Value USD Bn of Trx
22
9 5
.5 1
9 .6
1 7
.3 1
1 2
.7 1
2 .4
1 3
4 .0
1 3
2 .7
1 4
.6 1
4 6
.1 1
6 5
.0 1
5 7
.5 1
6 6
.8 1
7 6
.3 1
9 .9
1 7
9 .0
1 8
.8 1
8 4
.7 2
2 .6
1 8
2 .5
1 8
6 .0
1 8
8 .0
2 9
.8
8.1 11.0 11.7 11.9
11.5 11.3 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
9.4 11.1 10.5 11.9
12.2 15.7 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
3.3 3.2 3.5
3.5 4.1
4.2 4.3
4.3 10.7
11.4 12.1
11.9 13.1 13.0
12.8 14.4
7.8 7.6
68.5 70.5 69.0 68.6
70.8 73.1 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
6.8 5.8
5.3 5.2
5.2 5.3 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
20 40
60 80
100 120
140 160
180 200
220 240
260 280
300 320
340 360
380 400
420 440
4 Q
9 4
Q 1
1 Q
1 1
2 Q
1 1
3 Q
1 1
4 Q
1 1
1 Q
1 2
2 Q
1 2
3 Q
1 2
4 Q
1 2
1 Q
1 3
2 Q
1 3
3 Q
1 3
4 Q
1 3
1 Q
1 4
2 Q
1 4
3 Q
1 4
4 Q
1 4
1 Q
1 5
2 Q
1 5
3 Q
1 5
4 Q
1 5
Rp Savings Deposits FX Savings Deposits
Rp Demand Deposits FX Demand Deposits
Rp Time Deposits FX Time Deposits
Retail Deposit Analysis – Bank Only
3.3 2.5 2.3
2.4 2.2
2.8 2.0 1.9
1.7 2.2 1.81.9 2.02.02.0
2.1 1.9
2.1 2.1
2.6 2.2
2.4 2.1
1.5 1.5
1.5 1.5 1.5 1.4 1.3 1.2
7.2 6.7
6.5 6.5
6.3 5.0
5.1 4.9
5.5 6.6
7.0 8.3
7.9 7.8
7.4 7.5
7.2 5
10 15
Rp DD Rp Savings
Rp TD
Average Quarterly Deposit Costs
0.6 0.1 0.1
0.1 0.2
0.3 0.3
0.3 0.3
0.3 0.4
1.9
0.5 0.5
0.4 0.7 0.8 0.7 0.6
0.8 0.8
1.2 1.3
1.8 1.2
0.8 0.6
2 4
4 Q
9 4
Q 1
1 Q
1 1
2 Q
1 1
3 Q
1 1
4 Q
1 1
1 Q
1 2
2 Q
1 2
3 Q
1 2
4 Q
1 2
1 Q
1 3
2 Q
1 3
3 Q
1 3
4 Q
1 3
1 Q
1 4
2 Q
1 4
3 Q
1 4
4 Q
1 4
1 Q
1 5
2 Q
1 5
3 Q
1 5
4 Q
1 5
FX DD FX TD
63.3 63.8
64.9 66.1
66.5 69.6
70.1 71.6 72.9
73.0 73.7
71.9 68.8
68.4 66.2
67.7 65.1
67.3 CASA as of total deposits
23
6 ,6
7 6
6 3
,3 2
3 6
6 ,8
5 1
7 3
,3 2
4 8
1 ,0
4 6
8 4
,6 7
5 9
1 ,5
4 9
6 ,2
6 8
1 5
,1 9
2 1
8 ,4
3 4
1 1
8 ,7
8 8
1 2
3 ,8
3 3
1 3
,1 5
8 1
3 1
,8 5
7 1
4 ,1
8 9
1 4
6 ,7
4 4
1 5
5 ,3
3 8
1 5
8 ,1
7 3
1 6
5 ,3
4 1
6 7
,4 2
9 1
7 5
,2 1
1
27.7 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
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
4 Q
2 1
1 Q
2 1
1 2
Q 2
1 1
3 Q
2 1
1 4
Q 2
1 1
1 Q
2 1
2 2
Q 2
1 2
3 Q
2 1
2 4
Q 2
1 2
1 Q
2 1
3 2
Q 2
1 3
3 Q
2 1
3 4
Q 2
1 3
1 Q
2 1
4 2
Q 2
1 4
3 Q
2 1
4 4
Q 2
1 4
1 Q
2 1
5 2
Q 2
1 5
3 Q
2 1
5 4
Q 2
1 5
Retail to Total Loans
Retail to Total Loans
Micro Credit Business Banking
Consumer Finance
Rp Bn
64,706 72,250
7,544
4Q 2014 Growth
4Q 2015
YoY 11.7
Consumer Finance Rp Bn
Business Banking
56,037 60,454
4,417
4Q2014 Growth
4Q2015
YoY 7.9
Rp Bn Micro Credit
34,596 42,507
7,911
4Q2014 Growth
4Q2015
YoY 22.9
St ro
n g
M ic
ro fi
n an
ce G
ro w
th
200 300
502 687
898 994
600 800
800 878
928 1,027
1,127 1,427
10 152
480 710
760 751
706 673
6
2008 2009
2010 2011
2012 2013
2014 2015
Bra n
ch Unit
Ki o
sk C
a sh
O u
tl e
t
C u
st o
m e
rs
N e
tw o
rk O
f N
e w
C u
st o
m e
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
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
2 7
1 4
3 5
6 2
6 9
4 8
1 5
8 8
9 1
,0 9
1 ,1
1 2
2008 2009
2010 2011
2012 2013
2014 2015
25
1 3
,5 1
4 ,2
6 8
1 5
,5 2
3 1
6 ,4
6 6
1 7
,7 7
9 1
8 ,7
6 4
2 ,1
1 3
2 ,9
1 9
2 2
,8 1
8 2
4 ,0
9 2
2 6
,1 3
5 2
7 ,3
5 7
2 6
,9 9
5 2
6 ,6
9 2
6 ,5
5 2
6 ,3
4 7
2 6
,4 9
5 2
6 ,2
7 2
6 ,3
4 2
6 ,3
6 9
2 6
,8 3
2 3
,9 5
7 3
,9 6
4 3
,9 7
9 3
,9 4
9 3
,8 8
7 3
,7 7
7 3
,6 7
9 3
,5 7
1 3
,4 7
1 3
,3 6
5 3
,3 1
2 3
,2 4
3 ,1
8 1
3 ,1
7 2
3 ,1
9 8
3 ,2
4 3
,3 1
3 ,3
2 6
3 ,4
3 2
3 ,5
3 4
3 ,7
3 9
6 ,3
7 4
6 ,3
9 8
6 ,7
8 6
,8 6
1 6
,9 9
5 7
,1 4
3 7
,4 1
2 7
,7 5
3 8
,2 6
8 ,3
8 6
8 ,9
5 8
9 ,3
7 4
9 ,7
8 1
1 ,0
3 1
,6 4
2 1
1 ,2
5 3
1 1
,8 8
1 2
,2 1
1 2
,8 3
8 1
3 ,4
8 1
4 ,1
3 3
,5 8
9 3
,5 7
5 3
,7 6
1 3
,9 1
4 ,2
9 6
4 ,2
4 5
4 ,4
9 2
4 ,5
9 5
,0 3
5 5
,0 2
5 5
,1 9
5 5
,3 3
5 ,6
2 5
,5 5
7 6
,8 5
5 7
,5 6
8 8
,2 8
8 8
,3 4
3 8
,7 5
1 8
,6 8
3 8
,9 7
2 ,8
2 6
3 ,4
5 4
3 ,4
9 2
4 ,2
5 ,1
1 5
5 ,8
2 9
6 ,5
9 3
6 ,6
9 7
,2 9
7 ,4
8 6
7 ,9
5 9
,0 1
3 1
,2 1
8 1
1 ,0
8 3
1 2
,2 6
1 3
,2 7
1 1
3 ,9
8 3
1 4
,8 9
1 5
,6 3
1 6
,6 4
1 1
7 ,6
8
447 698 791
873 928
964 1,016
1,037 1,010
966 927
904 809 840
805 765
750 683 733
892 998
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
4 Q
1 1
Q 1
1 2
Q 1
1 3
Q 1
1 4
Q 1
1 1
Q 1
2 2
Q 1
2 3
Q 1
2 4
Q 1
2 1
Q 1
3 2
Q 1
3 3
Q 1
3 4
Q 1
3 1
Q 1
4 2
Q 1
4 3
Q 1
4 4
Q 1
4 1
Q 1
5 2
Q 1
5 3
Q 1
5 4
Q 1
5 Other
Auto Credit Cards
Payroll Loans Home Equity Loans
Loan Type Growth
Y-o-Y Q-o-Q
Other 19.94
5.78 Auto Loans
25.92 5.81
Credit Cards 8.22
3.30 Payroll Loans
26.58 5.64
Home Equity Loans 12.97
5.81 Mortgages
1.27 1.75
Total Consumer 11.66
3.92 Quarterly Consumer Lending Balances by Type
Consumer Lending Growth by Type
Rp 72.3 Tn
Auto Motorcycle Loans channeled or executed through finance companies = Rp 8.2 Tn in our Commercial Portfolio
26 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
2.1 3.5 4.1 5.0
6.6 8.3 10.5
17.6 28.3
35.7 38.9
53.0
7.1 14.0
18.1 23.5 26.8
29.4 33.3 33.3 34.5
46.7 32.6
35.0
20 40
60 80
100 120
140 160
180 200
220 240
4 Q
9 4
Q 1
1 Q
1 1
2 Q
1 1
3 Q
1 1
4 Q
1 1
1 Q
1 2
2 Q
1 2
3 Q
1 2
4 Q
1 2
1 Q
1 3
2 Q
1 3
3 Q
1 3
4 Q
1 3
1 Q
1 4
2 Q
1 4
3 Q
1 4
4 Q
1 4
1 Q
1 5
2 Q
1 5
3 Q
1 5
4 Q
1 5
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
3.2 4.7
4.9 5.3
5.6 5.8
6.1 6.3
6.5 6.7 6.8
6.9
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 4
6 8
10 12
14
4 Q
9 4
Q 1
1 Q
1 1
2 Q
1 1
3 Q
1 1
4 Q
1 1
1 Q
1 2
2 Q
1 2
3 Q
1 2
4 Q
1 2
1 Q
1 3
2 Q
1 3
3 Q
1 3
4 Q
1 3
1 Q
1 4
2 Q
1 4
3 Q
1 4
4 Q
1 4
1 Q
1 5
2 Q
1 5
3 Q
1 5
4 Q
1 5
Debit Cards Mobile Banking
Internet Banking
Quarterly Transaction Volume Mn
142 157
184 189
212 218 233 235
246 249 268
293
295
39 36
44 41
43 41 39 44
51 53
47 48
50
12 18
23 26 32 31 34
57 70
113 172
196
17 42
55 78
85 67
76 81
89 117
102
117
25 50
75 100
125 150
175 200
225 250
275 300
4 Q
9 4
Q 1
1 Q
1 1
2 Q
1 1
3 Q
1 1
4 Q
1 1
1 Q
1 2
2 Q
1 2
3 Q
1 2
4 Q
1 2
1 Q
1 3
2 Q
1 3
3 Q
1 3
4 Q
1 3
1 Q
1 4
2 Q
1 4
3 Q
1 4
4 Q
1 4
1 Q
1 5
2 Q
1 5
3 Q
1 5
4 Q
1 5
ATM Branch
Mobile Banking Internet Banking
27
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
2 7
2 8
2 9
2 1
2 1
1 2
1 2
2 1
3 2
1 4
2 1
5
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 65.5
98.5 166.6
196.5 285.7
318.6 382.0
490.3 663.4
81.9 110.5
194.5 249.3
313.9 361.8
437.5 489.2
683.3
89.0 117.8
223.7 268.5
312.8 464.4
512.9 664.8
771.0
2 7
2 8
2 9
2 1
2 1
1 2
1 2
2 1
3 2
1 4
2 1
5
Q4 Q3
Q2 Q1
32.2 YoY
Growth
3.5 4.8 8.0
17.7 34.7
59.4 85.8
102.3 108.5
2 7
2 8
2 9
2 1
2 1
1 2
1 2
2 1
3 2
1 4
2 1
5
6.1 YoY
Growth
28
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
2 1
,1 6
2 1
2 ,8
4 4
2 6
1 ,9
3 5
2 6
5 ,4
2 3
2 7
2 ,2
1 2
2 9
,0 1
9 3
6 ,8
3 1
3 4
9 ,8
6 8
2 9
9 ,4
1 7
3 2
2 ,5
8 7
3 8
,8 3
2 3
4 8
,0 5
9 9,235
10,601 11,385
12,616 12,773
14,068 14,508
16,052 15,996
17,444 17,101
18,373
- 3,000
6,000 9,000
12,000 15,000
18,000
- 50,000
100,000 150,000
200,000 250,000
300,000 350,000
400,000
1 Q
1 3
2 Q
1 3
3 Q
1 3
4 Q
1 3
1 Q
1 4
2 Q
1 4
3 Q
1 4
4 Q
1 4
1 Q
1 5
2 Q
1 5
3 Q
1 5
4 Q
1 5
of Volume of Transactions 000
MIB Transaction Value Users SME Business w Mandiri Acc
543,972 643,334
789,300 845,073
2012 2013
2014 2015
1 8
,5 2
8 2
5 ,8
5 7
3 2
,2 7
3 4
2 ,5
8 2
4 7
,3 4
5 3
,1 2
4 5
7 ,4
4 7
7 3
,6 6
6 7
9 ,9
7 8
8 ,0
1 3
7 9
,1 7
3 8
9 ,3
8 9
11,535 13,542
15,312 15,971 17,802
18,216 22,570
24,676 26,441
28,122 27,591
29,040
1Q 13 2Q 133Q 134Q 131Q 142Q 143Q 144Q 14 1Q 152Q 153Q 154Q 15 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
1 1
.5 1
.0 9
.2 9
.1 9
.8 9
.4 1
.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
.0 4
.0 3
.9 3
.8 4
.1 4
.4 4
.7 4
.3 5
.1 5
.3 5
2 ,0
4 ,0
6 ,0
8 ,0
1 ,0
1 2
,0 1
4 ,0
1 6
,0 1
8 ,0
2 ,0
2 2
,0 2
4 ,0
2 6
,0 2
8 ,0
3 ,0
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
S pe
c ial
Me nti
on S
pe c
ial Me
nti on
Rati o
N P
L Mo
ve m
e n
t -
C o
n so
lid a
te d
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
1 1
6 .0
1 2
2 .5
1 3
8 .9
1 2
7 .1
1 1
6 .6
1 3
6 .1
1 5
5 .2
2 6
.0
1 9
1 .7
1 9
2 .4
1 5
5 .5
1 8
5 .1
1 8
5 .1
1 8
9 .6
1 9
3 .4
1 8
5 .5
1 8
7 .6
1 8
5 .3
1 7
.3 1
5 7
.4 1
5 7
.1 1
5 .5
1 3
7 .7
1 3
6 .2
1 4
5 .5
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
G ro
ss N
P L
Rat io
P ro
v N
P L
G ro
ss N
P Ls
2 .6
, C
o ve
rag e
at 1
4 5
.5 -
C at
e g
o ry
2 at
4 .5
C a
te g
o ry
2 L
o an
s
Non-Performing Loans by Segment
Excluding loans to other banks
30
Movement by Customer Segment Rp Bn Movement by Customer Segment Rp Bn
12.15
1.14 3.00
0.31 1.57
0.16
12.28
3Q 2015 UG to PL DG to NPL Payment Write-Offs Other
4Q 2015
Non-Performing Loan Movements Rp Tn – Bank-Only
772 315
118 1,542
599 111
422
200 48
507
288 92
217
486
- 500
1,000 1,500
2,000 2,500
3,000 3,500
UG to PL DG to NPL
WO
Corp Comm
Small Micro
Cons
NPLs 4Q
NPLs Rp tn
Rp tn Corporate
2.60 0.59
