PT BANK MANDIRI PERSERO Tbk. AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
As of December 31, 2015 and for the year then ended Expressed in millions of Rupiah, unless otherwise stated
209
61. RISK MANAGEMENT continued
A. Credit Risk continued i Maximum exposure to credit risk before considering the financial effect of collateral held and other
credit enhancement continued
December 31, December 31, 2015
2014
Other assets Accrued income
4,060,993 3,272,972
Receivables from customer transactions 762,373
1,698,106 Receivables from transactions related to ATM and
credit card 477,159
636,502 Receivable from policyholder
476,807 151,250
Receivable from sale of marketable securities 99,610
261,870 Receivables from Government Bonds pledged as
collateral 592,668
592,614 840,016,109
793,786,661
Excluding Marketable Securities which are the investment from the Subsidiaries’ policyholder’s unit-linked which has no credit risk exposure. Excluding Government Bonds which are the investment from the Subsidiaries’ policyholder’s unit-linked which has no credit risk exposure.
Credit risk exposures relating to administrative accounts net after allowance for impairment losses as of December 31, 2015 and 2014 are as follows:
December 31, December 31, 2015
2014
Bank guarantees issued 74,276,897
61,139,500 Committed unused loan facilities granted
29,268,015 33,510,008
Standby letter of credit 12,710,551
11,886,608 Outstanding irrevocable letters of credit
10,800,349 15,100,555
127,055,812 121,636,671
The above table represents the maximum financial assets exposure on credit risk to Bank Mandiri and Subsidiaries as of December 31, 2015 and 2014, without taking into account any collateral
held or other credit support attached. For financial assets in the statement of financial position, the exposures set out above are based on carrying amounts as reported in the consolidated financial
statements.
PT BANK MANDIRI PERSERO Tbk. AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
As of December 31, 2015 and for the year then ended Expressed in millions of Rupiah, unless otherwise stated
210
61. RISK MANAGEMENT continued
A. Credit Risk continued i Maximum exposure to credit risk before considering the financial effect of collateral held and other
credit enhancement continued Concentration of risks of financial assets with credit risk exposure
a Geographical sectors The following table breaks down Bank Mandiri’s and Subsidiaries’ credit exposure at their
gross amounts without taking into account any allowance for impairment losses, collateral held or other credit support, as categorised by geographical region as of December 31, 2015
and 2014. For this table, Bank Mandiri and Subsidiaries have allocated exposures to regions based on the geographical area of where the transactions are recorded.
December 31, 2015 Jawa Bali
Sumatera Kalimantan
Sulawesi Others
Total
Current accounts with Bank Indonesia 56,314,316
- -
- -
56,314,316 Current accounts with other banks
8,610,621 13,473
6,096 -
1,525,436 10,155,626
Placement with Bank Indonesia and other banks
35,351,717 -
- -
2,035,906 37,387,623
Marketable securities Government
Fair value through profit or loss 1,437,312
- -
- 13,783
1,451,095 Available for sale
- -
- -
898,756 898,756
Non Government Fair value through profit or loss
1,774,808 -
- -
223,467 1,998,275
Available for sale 15,954,713
- -
- 445,016
16,399,729 Held to maturity
6,673,346 -
- -
637,639 7,310,985
At cost 718,416
1,298 -
- -
719,714 Government Bonds
Fair value through profit or loss 1,583,907
- -
- -
1,583,907 Available for sale
74,153,603 -
- -
- 74,153,603
Held to maturity 20,811,293
- -
- -
20,811,293 At cost
6,054,722 -
- -
- 6,054,722
Other receivables-trade transactions 14,519,640
- -
- 392,873
14,912,513 Securities purchased under resale
agreements 676,900
- -
- -
676,900 Derivatives receivables
700,080 -
- -
804 700,884
Loans Corporate
135,414,765 31,884,919
8,822,600 2,907,783
21,169,075 200,199,142
Commercial 120,768,090
25,669,019 7,914,177
4,453,020 610,171
159,414,477 Consumerindividual
53,627,669 8,718,771
4,398,617 4,521,041
984,037 72,250,135
Micro and Business Banking 53,785,560
24,628,823 12,055,475
10,660,909 3,415,546
104,546,313 Sharia
34,436,276 8,755,256
3,860,376 2,137,087
1,076,375 50,265,370
Consumer financing receivables 5,085,283
1,917,373 623,977
551,430 -
8,178,063 Net investment in
finance leases 481,780
- 4,995
117,375 -
604,150 Acceptances receivables
10,210,519 -
- -
1,120,754 11,331,273
Other assets Accrued income
3,269,319 360,690
166,803 115,654
148,527 4,060,993
Receivables from customer transactions
870,571 13,430
4,682 5,625
920 895,228
Receivables from transactions related to ATM and credit card
477,159 -
- -
- 477,159
Receivable to policyholder 437,361
25,598 9,551
4,297 -
476,807 Receivable from sale of marketable
securities 99,610
- -
- -
99,610 Receivables from Government
Bonds pledged as collateral 592,668
- -
- -
592,668 664,892,024
101,988,650 37,867,349
25,474,221 34,699,085
864,921,329
In accordance with the operating segments of Bank Mandiri Note 2ak. Excluding marketable securities which are the investment from the Subsidiaries’ policyholder’s unit-linked which has no credit risk exposure.
Excluding Government Bonds which are the investment from the Subsidiaries’ policyholder’s unit-linked which has no credit risk exposure. Others included in the portfolio is the area of Papua and overseas branches.
PT BANK MANDIRI PERSERO Tbk. AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
As of December 31, 2015 and for the year then ended Expressed in millions of Rupiah, unless otherwise stated
211
61. RISK MANAGEMENT continued
