27
Summary Balance Sheet – Quarters ending March 31 Dec 31
23,299 88,456
41,719 41,843
172,018 67,758
8,894 6,421
70,231 76,652
68,518 37,321
1,478 107,317
4,335 10,358
28,135 239,383
Rp Billions
Mar. ‘04
20.6 2,721
20,395 19,323
Shareholders’ Equity 29.3
10,331 99,272
125,032 Certificate Time Deposits
42.2 4,872
41,307 29,335
Savings Deposits 26.5
4,887 38,232
33,071 Demand Deposits
8.2 20,090
178,811 187,438
Total Deposits – Non-Bank 41.3
750 6,542
4,545 Non-Performing Loans
11.6 8,952
75,943 68,673
Loans
0.8 1,039
9,100 8,968
Allowances 35.6
8,002 70,081
106,471 HTM
2.7 4,359
51,437 36,329
AFS 29.7
12,533 122,907
152,728 Government Bonds
13.5 7,913
66,843 59,705
Loans – Net 9.5
8,202 69,401
64,128 Performing Loans
85.1 173
1,389 9,928
Trading 49.2
506 5,215
2,906 Securities - Net
198.0 1,210
6,972 3,476
Current Accounts Placements wOther Banks 12.6
3,286 27,089
24,980 Cash Placements wBI
7.8 27,957
249,436 259,567
Total Assets
Rp Change USD
Millions
Rp Billions Rp Billions
Q-o-Q Dec. ‘03
Mar. ‘03
USD1 = Rp8,562.5
28
Recap Bond Portfolio Details – 31 March 2004
29
Bank Mandiri’s Credit Ratings
B3 Long Term Bank Deposits
B B+
Long Term Local Currency Debt
Bank Mandiri Ratings B
B2 B
Long Term Foreign Currency Debt Stable
Stable Positive
Outlook Sovereign Ratings
Positive Long Term Local Currency Outlook
B3 Long Term Bank Deposits
B B2
B Long Term Foreign Currency Debt
Stable Positive
Long Term Foreign Currency Outlook
B+ B+
Long Term Local Currency Debt B
B Short Term Foreign Currency Debt
Fitch Moody’s
SP
30
Bank Mandiri Additional Loan Movement Bank Mandiri Additional Loan Movement
Portfolio Detail Portfolio Detail
31
Q1 2004 Loan Movement, Performing Non-Performing Loans
104 270
1,012 366
66,832 66,853
Beg. Balance
UG from NPL
DG to NPL
Net Disburse.
FX Impact End
Balance
Performing Loan Movements - Bank Only
IDR bn
Non-Performing Loan Movements – Bank Only
6,341 366
6,479
1,012 116
184 760
44
Beg. Balance
UG to PL DG from PL
Disburse. CollectionsWrite-Offs FX Impact End
Balance
32
Q1 2004 Loan Detail: Loans downgraded to NPL
Corporate Commercial Loans Only
74.8 were from Commercial borrowers
30.4 were loans purchased from IBRA, while 13.2 were previously restructured
Largest downgrades by sector:
¾
Trading, Hotels Restaurants
¾
Manufacturing of Wood
¾
Manufacturing of Textiles Leather
58.6 were Rupiah loans
