∆ fro : IPO
June 30, 2012
BMRI +916.57
+6.67 JCI
+628.43 +3.50
No. of Investor
No. of shares I DOMESTIC
1. Government of RI 1
0.01 14,000,000,000
60.00 2. Retail
8,632 46.82
135,020,301 0.58
3. Employees 7,893
42.82 118,483,318
0.51 4. Cooperatives
2 0.01
20,556 0.00
5. Foundations 10
0.05 9,016,035
0.04 6. Pension Funds
130 0.71
217,808,148 0.93
7. Insurance 51
0.28 347,048,219
1.49 8. Banks
- 0.00
- 0.00
9. Corporations 105
0.57 279,945,308
1.20 11. Mutual Funds
130 0.71
709,806,028 3.04
Total 16,954
91.97 15,817,147,913
67.79 II INTERNATIONAL
1. Retail 59
0.32 2,137,617
0.01 2. Institutional
1,422 7.71
7,514,047,803 32.20
Total 1,481
8.03 7,516,185,420
32.21 No.
Description
100.00 Per 30 June 2012
III TOTAL
18,435 100.00
23,333,333,333
-200 200
400 600
800 1000
1200
J ul
-03 J
an -04
J ul
-04 J
an -05
J ul
-05 J
an -06
J ul
-06 J
an -07
J ul
-07 J
an -08
J ul
-08 J
an -09
J ul
-09 J
an -10
J ul
-10 J
an -11
J ul
-11 J
an -12
BMRI JCI
2
Results Overview Page
Q2 2012 Highlights 3-5
SBU Performance Highlights 6-7
Loan Growth LDR 8-12
CIR ROE 13-14
Strategy Overview 15
Wholesale Transactions 16-18
Retail Value Chain 19-26
High-Yield Lending Activities 27-28
NPL Movement 29-31
SBU Alliances Subsidiaries 32-33
BMRI Targets 34
Operating Performance Highlights Supporting Materials
3
Admired Financial Institution
Retails Loans
1
• Rp 91.5 Tn • 29.8 of Loans
Subsidiaries Income • Total Rp 936.2 Bn
• Sum of income of 5 subsidiaries
13.1 of EAT Alliances total
• Card From Alliances 163.248 cards
• Alliance Payroll
Accounts: 344.800 e-Channel Tx
• 613 Mn YTD • 34.3 Growth
of Cards Issued • Credit 2.57 Mn
• Debit 9.65 Mn • Prepaid 1.95 Mn
Cash Management • 11,377 Customers
• 6.1 Mn Tx YTD 2012
2
1 Small Business, Micro and Consumers
2 Exclude Mandiri Transaction System
of Accounts • Deposits 12.53 Mn
• Loans 1.21 Mn of new Accounts YTD
• Deposit 1.74 Mn • Loans 321.173
of Outlets • 1,643 Branches
• 2,012 Micro Outlets • 10,361 ATMS
Bank Ma di i s H1 2012 Performance continued to demonstrate marked
improvements in several key indicators:
H H1
Loans Rp276.7 tn
Rp350.4tn 26.6
Net NPL Ratio
Gross NPL Ratio
0.58
2.42
0.55
2.07
5.2
14.5
Low Cost Funds Ratio
[Low Cost Funds Rp]
57.7
Rp209.4tn
62.3
Rp260.4 tn
7.9
24.4
NIM 5.20
5.24 0.8
Efficiency Ratio 37.3
43.6 16.8
Earnings After Tax 6,323 bn
7,147 bn 13.0
4
82 .8
88 .8
93 .7
97.1 97
.1 10
2.9 108.8
121.9 119
.8 12
6.5 135.4
151 .8
150 .4
15 9.9
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 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
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 99
.6 10
5.7 109.3
108 .4
124 .4
12 7.8
127.0 147
.8 143
.5 14
0.8 140
.0 148.1
120 .8
13 7.5
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 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
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
.3 113.0
119 .2
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
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
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
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
4.6 4.8
5.1 5.4
5.6 6.0
6.5 7.3
7.7 8.5
9.5 11.7
13.1 15.1
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
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
20 40
60 80
100 120
140 160
180 200
220 240
260 280
300 320
340
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
Subsidiaries SAM
Micro Small
Cons Comm
Intl Corp
Y-o-Y
62.9 2.4
25.8 23.1
26.4 Y-o-Y
77.6 28.4
26.3
Loans by SBU + Subsidiaries Rp Tn
28.1
23.9
Deposits by Product – Consolidated
Rp Tn
Loans from Treasury International have been reallocated to Corporate following the reorganization in early 2010
2.20
7.0
26.6
350.4tn
Total Total
362.6tn 418.2tn
15.3
21.6 27.4
5
276.7tn
20.90 20.83
28.34 31.95
7.47 3.77
29.67 29.58
13.62 13.86
9.51 6.89
11.40 15.05
32.09 33.56
39.12 35.27
7.88 9.24
NII Net Interest Income
Rp bn of Total
Fee Income
Rp bn of Total
Asset Spread
Rp bn of Total
Liabilities Spread
Rp bn
1,804
2,446
645
2,561
1,176 2,584
3,964
468
3,670
1,719 Corporate +
Institutional
Comm Business
Banking
Treasury, FI SAM
Micro Retail
Consumer Finance
H1 10 H1 12
1,477
1,964
608
488
1,172 2,057
3,603
365
1,415
1,712
H1 10 H1 12
326
483
37
2,073
5 527
361
102
2,256
8
H1 10 H1 12
25.87 22.48
34.40 39.37
10.65 3.99
8.55 15.46
20.53 18.71
338
405
1,140
1,390
280 395
863
963
2,023
530
H1 10 H1 12
6
Rp 962Bn from SAM recoveries on WO loans and non SAM cash recoveries Rp 221Bn
962
Assets H1 2012
H1 2011 Liabilities
H1 2012 H1 2011
Cash 11,377
8,776 Current Account
87,000 70,201
Current Acc w BI Other Banks
41,122 35,755
Savings
173,433 139,149
Placement w BI Other banks
40,280 29,621
Time Deposits
157,787 153,287
Advances Other 14,311
8,791 Marketable Securities
10,427 18,758
Total Deposits 418,220
362,637
Government Bonds
80,438 77,930
Loans Gross
350,417 276,708
Securities Issued
1,622 1,849
Provisions of Loans 13,547
11,610 Deposits from other banks
29,359 12,159
Reverse Repo 10,584
5,028 Borrowings
9,915 5,082
Other Provisions
1,651 1,956
Other Int. Bearing Liabilities
10,526 5,907
Policyholders Investments in UL, Investment in shares
9,867 8,208
Non Int. Bearing Liabilities
35,015 30,685
Deferred Tax Assets
3,014 3,670
Equity incl. Minority Interest
67,100 56,610
Other Assets 15,119
15,250
Total 571,758
474,929 Total 571,758
474,929
Rp Bn, Consolidated
7
175.2 181.6
188 .3
198 .5
201.9 218
.0 23
1.9 246
.2 251.8
276 .7
297.5 314.4
327.2 350
.4 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
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
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
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
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
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 42.6
43 .6
45 .3
5 .6
50 .4
54.2 58
.6 64.7
64 .5
70.7 75.3
81.1 82
.9 90.1
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
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
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
Q 1
09 Q2
9 Q3
9 Q4
9 Q
1 10
Q2 1
Q 3
10 Q4
1 Q
1 1
1 Q
2 11
Q 3
11 Q4
1 1
Q 1
12 Q2
1 2
Corporate Commercial
Small Micro
Consumer
Quarterly Loan Segment Details
Bank Only
Y-o-Y
26.4 77.2
28.3 27.4
21.4 26.6
Total
14.1 4.9
10.8 29.4
40.8
Break down
As of June2012; Non-consolidated numbers
8
27.00 17.79
6.15 7.68
7.09
65.71
Corporate Commercial Small
Micro Cons Fin
Total
286.26 65.71
27.32 15.11
2.98 1.13
0.85 306.83
Q112 Disburs.
Install. Payment Pay-off FX
Impact Write-
Offs Q2 12
Loan Movement Rp tn – Bank Only Q2 2012
Loan Disbursement by Segment in Q2 Rp tn – Bank Only
9
10
Summary PL
Q2 2012 Q1 2012
Q2 2011 H1 2012
H1 2011
Y-o-Y Q-o-Q
Rp Bn Rp Bn
Rp Bn Rp Bn
Rp Bn Δ
Δ
Interest Income
10,284 9,938
9,347 20,222
18,121 11.6
3.5
Interest Expense
3,599 3,936
3,926 7,535
7,738 2.6
8.6
Net Interest Income
6,685 6,002
5,421 12,687
10,383 22.2
11.4
Net Premium Income
571 527
418 1,098
835 31.5
8.3
Net Interest Income Premium Income
7,256 6,529
5,839 13,785
11,218 22.9
11.1
Other Non Interest Income Other Fees and Commissions
1,837 1,704
1,571 3,541
3,068 15.4
7.8
Foreign Exchange Gains - Net
405 210
179 615
311 97.7
92.9
Gain from incr.in value of Sec. Sale of Gov. Bonds
134
134 31
- 63 100.0
na
Others
899 694
715 1,594
2,735 41.7 29.5
Total Non Interest Income
3,007 2,742
2,496 5,750
6,177 6.9
9.7
Total Operating Income
10,263 9,271
8,335 19,535
17,395 12.3
10.7
Provisions, Net
863
936 1,299
1,799 2,130 15.5
7.8
Personnel Expenses
1,939 1,865
1,631 3,805
3,178 19.7
4.0
GA Expenses
2,004 1,614
1,510 3,619
2,860 26.5
24.2
Loss from decr. in value of Sec Gov Bonds
15 -
47 15
82 81.7 na
Other Expenses
545 540
427 1,085
722 50.3
0.9
Total Expense
4,503 4,019
3,615 8,524
6,842 24.6
12.0
Profit from Operations
4,896 4,317
3,420 9,213
8,423 9.4
13.4
Non Operating Income
25 174
45 199
79 151.9 85.6
Net Income Before Tax
4,921 4,490
3,465 9,412
8,502 10.7
9.6
Net Income After Tax
3,744 3,403
2,543 7,147
6,323 13.0
10.0
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
Q4 02
Q4 3
Q 4
04 Q4
5 Q
4 06
Q4 7
Q1 8
Q 2
08 Q
3 08
Q 4
08 Q
1 09
Q2 9
Q 3
09 Q4
9 Q1
1 Q
2 10
Q3 10
Q4 1
Q 1
11 Q2
1 1
Q 3
11 Q4
1 1
Q112 Q
2 12
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
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
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 5.6
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
5
Q4 05
Q4 06
Q 4
07 Q1
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 Q3
10 Q410
Q 1
11 Q211
Q 311
Q 4
11 Q112
Q 2
12
12.0 12.1 12.9
12.9 12.6 12.7
12.5 11.8
12.1 11.9
12.5 11.4 11.6
7.18 6.5
6.5 5.9
3.9 3.3
6.9 4.5
4.6 5.8
5.3 4.2 4.1
4.3 4.2
3.7 3.1