2
Organization Structure
FY 2006 FY 2005
300.8 2,421tn
Rp604 bn Earnings After Tax
61.4 5.9
15.3 N et N PL
12.1 48.9
55.6 Efficiency
14.6 4.7
4.1 N IM
10.3 Rp117.7 tn
Rp106.7 tn Loans
Bank Mandiri’s Full Year Performance for 2006 demonstrated marked improvements in a number of key indicators:
3
Q oQ Growth YoY Growth
4 4
.5 4
9 .2
4 2
.5 4
8 .3
4 8
.3 5
.4 5
8 .7
6 5
.4 6
8 .7
6 6
.8 7
2 .6
7 5
.9 7
6 .7
8 2
.3 8
7 .0
9 4
.4 9
9 .5
1 4
.0 1
6 .9
1 6
.9 1
5 .1
1 8
.8 1
1 7
.7 1
7 .8
57.2
25.3 35.4
42.5 51.8
53.7
Q 1
1 Q
2
1 Q
3
1 Q
4
1 Q
1
2 Q
2
2 Q
3
2 Q
4
2 Q
1
3 Q
2
3 Q
3
3 Q
4
3 Q
1
4 Q
2
4 Q
3
4 Q
4
4 Q
1
5 Q
2
5 Q
3
5 Q
4
5 Q
1
6 Q
2
6 Q
3
6 Q
4
6
Loans Rp tn LD R
22.6 31.4
33.0 37.7
35.1 35.7
1.6 3.7
5.1 8.5
45.2 42.3
40.6 38.2
39.5 44.0
44.7 53.6
40.2
32.6 32.9
22.2 8.6
6.1 6.7
8.2 1.9
1.2 1.7
2.0 12.6
10.8 11.5
11.8 1.5
Q 4
2 Q
2
3 Q
4
3 Q
2
4 Q
4
4 Q
2
5 Q
4
5 Q
2
6 Q
4
6
Loan volume grew Q -o-Q in all segments but Commercial
Quarterly Loan Data – Consolidated
1.8 12.2
1.947 Micro
7.9 29.6
8.636 Small
11.5 9.3
12.620 C onsumer
100.0 9.0
109.380 T otal
29.8 8.7
32.564 Commercial
49.0 19.9
53.613 Corporate
of Portfolio
Loans Rp tn
By Segment Bank only
Y-O -Y Growth
Quarterly Loan Segment Details – Bank Only
Corporate
Commercial
C onsumer
As of D ecember 2 0 0 6 ; N on-consolidated numbers
Small Micro
14.3 18.0
22.1 22.3
24.4 25.1
29.6 28.9
31.9 33.4
40.6 40.5
42.3 44.6
52.0 49.5
47.8 44.2
45.2 41.8
44.7 46.6
57.6
14.1 31.1
31.2 27.7
27.2 26.1
24.8 24.8
27.9 30.1
28.8 30.8
30.7 30.9
28.0 27.5
30.8 28.3
30.1 30.2
28.0 29.5
33.6
97.1 87.8
106.9 107.7
106.1 104.1
105.1 96.7
85.9 80.5
70.3 68.4
63.4 90.8
89.1 85.7
80.5
1 6
.5 2
1 .5
2 3
.4 2
1 .5
1 7
.8 2
.6 2
.6 1
9 .4
1 8
.6 1
8 .0
1 7
.3 1
6 .5
1 3
.8 1
2 .5
1 1
.6 1
1 .1
1 3
.3 1
6 .3
1 5
.7 1
5 .9
1 5
.1 1
3 .4
1 2
.6
1 3
.2
1 1
.6
1 2
.6
1 2
.3
1 1
.9 1
2 .3
1 1
.9 1
1 .6
1 4
.9
100.7 66.5
65.0 72.3
79.8 93.2
