Liquidity Risk Management RISK MANAGEMENT
a. Liquidity Risk Management continued
The maturity profile of the Bank’s assets and liabilities is as follows continued: 31 December 2009 No maturity Less than More than Description Total Contract 1 month 1 - 3 months 3 - 6 months 6 - 12 months 12 months Assets Cash 8,867,881 - 8,867,881 - - - - Current accounts with Bank Indonesia 16,055,871 - 16,055,871 - - - - Current accounts with other banks - net 7,402,647 - 7,402,647 - - - - Placements with Bank Indonesia and other banks - net 41,402,410 981 38,531,010 2,862,004 - 8,415 - Marketable securities - net 18,153,392 187,462 2,487,330 11,890,854 934,787 950,405 1,702,554 Government Bonds 89,132,940 - - 1,733,994 - 3,409 87,395,537 Other receivables-trade transactions - net 3,146,143 - 759,913 1,445,943 754,266 186,021 - Securities purchased under resale agreements - net 4,905,541 - 3,417,151 1,488,390 - - - Derivative receivables - net 174,526 - 38,032 38,313 89,452 8,729 - Loans - net 184,690,704 - 9,069,879 16,464,843 16,982,284 32,164,344 110,009,354 Consumer financing receivables - net 1,404,045 - 64,078 125,775 180,392 321,016 712,784 Acceptance receivables - net 4,304,000 - 1,243,073 1,807,282 1,242,307 11,338 - Investments in shares - net 186,848 186,848 - - - - - Fixed assets - net 4,963,306 4,963,306 - - - - - Deferred tax assets - net 6,014,085 6,014,085 - - - - - Other assets - net 3,812,265 8,253 1,454,536 1,843,159 - 506,317 - Total Assets 394,616,604 11,360,935 89,391,401 39,700,557 20,183,488 34,159,994 199,820,229 Liabilities and Syirkah temporer fund Obligation due immediately 573,557 - 573,557 - - - - Deposit from customers Conventional banking and sharia - non Syirkah temporer fund Demand deposits 72,691,525 - 72,691,525 - - - - Saving deposits 106,727,364 - 106,727,364 - - - - Time deposits 123,474,761 - 93,507,012 20,820,616 5,714,604 3,170,500 262,029 Sharia banking-Syirkah temporer fund Restricted investment demand deposit and mudharabah musytarakah demand deposit 5,322 - 5,322 - - - - Restricted investment saving deposit and unrestricted investment mudharabah saving deposit 7,067,647 - 7,067,647 - - - - Unrestricted investment mudharabah time deposit 9,583,762 - 6,832,903 1,653,760 586,318 510,781 - Deposits from other banks Conventional banking and sharia - non Syirkah temporer fund Demand and saving deposits 5,744,330 - 5,744,330 - - - - Time deposits 4,736,318 - 4,587,343 138,745 5,402 4,528 300 Sharia banking-Syirkah temporer fund Unrestricted investment mudharabah saving deposit 98,239 - 98,239 - - - - Unrestricted investment mudharabah time deposit 207,640 - 175,442 3,905 25,022 3,271 - Securities sold under repurchase agreements 316,356 - - - 316,356 - - Derivative payables 41,611 17,126 8,648 3,089 6,161 6,587 Acceptance payables 4,356,773 - 1,256,747 1,830,109 1,258,464 11,453 - Marketable securities issued 1,671,014 - 622,055 374,860 - - 674,099 Fund borrowings 3,944,356 - 88,512 50,314 61,156 70,774 3,673,600 Estimated losses on commitments and contingencies 329,362 - - - - - - Accrued expenses 542,921 329,362 542,921 - - - - Taxes payable 1,855,829 - 235,781 - 1,608,429 11,619 - Other liabilities 9,132,586 514, 365 3,975,206 1,031,019 526,298 1,066,838 2,018,860 Subordinated loans 6,217,068 - 2,882 17,153 - 67,336 6,129,697 Total liabilities and Syirkah temporer fund 359,318,341 843,727 304,751,914 25,929,129 10,105,138 4,923,261 12,765,172 Maturity gap 35,298,263 10,517,208 215,360,513 13,771,428 10,078,350 29,236,733 187,055,057 PT BANK MANDIRI PERSERO Tbk. AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS AS AT 31 DECEMBER 2010, 2009 AND 2008 Expressed in millions of Rupiah, unless otherwise stated Appendix 5161 56. RISK MANAGEMENT continued Market Risk and Liquidity Risk continueda. Liquidity Risk Management continued
Parts
» FS Bank Mandiri Tbk 311210 Eng Final opini
» 735,266 24,442,187 FS Bank Mandiri Tbk 311210 Eng Final opini
» Divestment of Government Share Ownership Subsidiaries Associates
» Subsidiaries and Associates continued PT Bank Syariah Mandiri
» Subsidiaries and Associates continued PT Bank Sinar Harapan Bali continued
» Subsidiaries and Associates continued PT AXA Mandiri Financial Services Structure and Management
» Structure and Management continued
» Basis of Preparation of the Consolidated Financial Statements
» Changes in accounting policies in current year continued
» Financial assets continued Financial assets and liabilities A. Financial assets
» Financial assets continued Financial liabilities
» Derecognition Financial assets and liabilities A. Financial assets
» Changes in accounting policies in current year continued iii. Classes of financial instrument
» Principles of Consolidation SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Principles of Consolidation continued
» Foreign Currency Transactions and Balances
» Transactions with Related Parties
» Transactions with Related Parties continued
» Current Accounts with Bank Indonesia and Other Banks
» Placements with Bank Indonesia and Other Banks
» Marketable Securities SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Marketable Securities continued SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Government Bonds SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Other Receivables - Trade Transactions
» Securities PurchasedSold under ResaleRepurchase Agreements
» Securities PurchasedSold under ResaleRepurchase Agreements continued
» Derivative Receivables and Derivative Payables
» Derivative Receivables and Derivative Payables continued
» Loans SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Loans continued SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Consumer Financing Receivables SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Fixed Assets and Leased Assets
» Fixed Assets and Leased Assets continued
» Investments in Shares SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Investments in Shares continued
» Allowance for Possible Losses on Non-Earning Assets
» Allowance for Possible Losses on Non-Earning Assets continued
» Acceptance Receivables and Payables
» Other Assets SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Obligation due Immediately SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Deposits from Customers SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Liability for Future Policy Benefits and Liability to Unit-Linked Holders
» Marketable Securities Issued SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Marketable Securities Issued continued
» Fund Borrowings SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» CURRENT ACCOUNTS WITH BANK INDONESIA
» MARKETABLE SECURITIES FS Bank Mandiri Tbk 311210 Eng Final opini
» DERIVATIVE RECEIVABLES AND PAYABLES
» CONSUMER FINANCING RECEIVABLES FS Bank Mandiri Tbk 311210 Eng Final opini
» ACCEPTANCE RECEIVABLES FS Bank Mandiri Tbk 311210 Eng Final opini
» POLICYHOLDERS’ INVESTMENT AND LIABILITY TO UNIT-LINKED HOLDERS
» OTHER ASSETS FS Bank Mandiri Tbk 311210 Eng Final opini
» DEPOSITS FROM CUSTOMERS - DEMAND DEPOSITS
» DEPOSITS FROM CUSTOMERS - SAVING DEPOSITS
» DEPOSITS FROM OTHER BANKS - DEMAND AND SAVING DEPOSITS
» DEPOSITS FROM OTHER BANKS - INTER-BANK CALL MONEY
» DEPOSITS FROM OTHER BANKS - TIME DEPOSITS
» ACCEPTANCE PAYABLES FS Bank Mandiri Tbk 311210 Eng Final opini
» MARKETABLE SECURITIES ISSUED FS Bank Mandiri Tbk 311210 Eng Final opini
» FUND BORROWINGS FS Bank Mandiri Tbk 311210 Eng Final opini
» ESTIMATED LOSSES ON COMMITMENTS AND CONTINGENCIES
» Tax expense TAXATION a. Taxes payable
» Tax expense - Current year continued
» MINORITY INTERESTS IN NET ASSETS OF CONSOLIDATED SUBSIDIARIES
» Authorised, Issued and Fully Paid-in Capital continued
» Additional Paid-In CapitalAgio SHARE CAPITAL a. Authorised, Issued and Fully Paid-in Capital
» Additional Paid-In CapitalAgio continued
» Fixed Assets Revaluation Reserve
» Distribution of Net Income continued
» Difference in Transactions of Equity Changes in Subsidiaries
» MANAGEMENT STOCK OPTION PLAN
» INTEREST EXPENSE FS Bank Mandiri Tbk 311210 Eng Final opini
» ALLOWANCEREVERSAL FOR IMPAIRMENT LOSSES
» REVERSALALLOWANCE FOR POSSIBLE LOSSES
» UNREALISED LOSSESGAINS FS Bank Mandiri Tbk 311210 Eng Final opini
» SALARIES AND EMPLOYEE BENEFITS
» GENERAL AND ADMINISTRATIVE EXPENSES
» COMMITMENTS AND CONTINGENCIES FS Bank Mandiri Tbk 311210 Eng Final opini
» IMPACT ON THE INITIAL IMPLEMENTATION OF SFAS 50 REVISED 2006 AND SFAS 55 REVISED 2006
» RELATED PARTY TRANSACTIONS FS Bank Mandiri Tbk 311210 Eng Final opini
» CUSTODIAL SERVICES AND TRUST OPERATIONS
» CHANNELING LOANS FS Bank Mandiri Tbk 311210 Eng Final opini
» Liquidity Risk Management RISK MANAGEMENT
» Liquidity Risk Management continued
» Interest Rate Risk Management
» Interest Rate Risk Management continued Pricing Management
» Market Risk Management Foreign Exchange Risk Management
» Foreign Exchange Risk Management continued
» Fair value of financial assets and liabilities
» Fair value of financial assets and liabilities continued
» Operational Risk Mitigation RISK MANAGEMENT
» Capital Charge Calculation to Cover Operational Risk
» Legal Matters SIGNIFICANT AGREEMENTS, COMMITMENTS AND CONTINGENCIES a.
» Value Added Tax VAT on Bank Syariah Mandiri BSM Murabahah Transactions
» Value Added Tax VAT on Bank Syariah Mandiri BSM Murabahah Financing Transactions
» Trade Financing with Asian Development Bank ADB
» Settlement Mandatory Convertible Bond MCB PT Garuda Indonesia Persero
» Settlement Mandatory Convertible Bond MCB PT Garuda Indonesia Persero continued
» GOVERNMENT GUARANTEE FOR THE OBLIGATIONS OF LOCALLY INCORPORATED BANKS
» NEW ACCOUNTING STANDARDS FS Bank Mandiri Tbk 311210 Eng Final opini
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