PT Bank Mandiri Persero Tbk.
MANAgEMENT DISCUSSION ANALySIS OF MANAgEMENT’S PERFORMANCE
BANK MANAgEMENT Banks may only conduct business
activities and create the Oice Network in accordance with the core capital
owned which is grouped as follows:
a. Commercial Banks based on Business Activity BOOK 1
Capital: Rp1 trillion Operations that can be performed:
1 Business Activities in Rupiah which include:
• Fund raising activities and the funds distribution of a product or
basic activity; • Trade inance activities;
• Activities with limited scope for agency and joint venture;
• Activities and electronic banking payment systems with limited
scope; • Temporary investment activities
for loan recovery, and • Other services;
2 Activity as the Foreign Exchange PVA.
3 Other activities that are classiied as product or activity in Rupiah are
commonly carried out by the Bank and in compliance to the laws and
regulations.
4 The Bank shall extend credit or inancing to productive enterprises
at the lowest 55 ifty ive percent of the total loans or inancing.
b. BOOK 2
Capital: Rp1 trillion to Rp5 trillion Operations that can be performed:
1 Business Activities in Rupiah and foreign currency:
• Fund raising activities • Facilitating the funds distribution
with a wider coverage; • Trade inance activities;
• Treasury activities on a limited basis;
• Other services; 2 Business Activities with wider
coverage for: • Agency and joint venture;
• Electronic banking and payment systems activities
3 Equity in inancial institutions in Indonesia with the highest total
investment of 15 of the Bank’s capital;
4 Temporary investment activities for loan recovery;
5 Another common activity that in compliance with laws and
regulations. 6 The Bank shall extend loans or
inancing to productive enterprises at a minimum 60 sixty percent
of the total loans or inancing.
c. BOOK 3
Capital: Rp5 trillion to Rp30 trillion 1 Operations can be made in Rupiah
and foreign currency and equity investments in inancial institutions
in Indonesia andor abroad is limited to the Asia region, among
others:
• Fund raising; • Funds distribution;
• Trade inance; • Treasury activities;
• Foreign exchange operations; • Agency and joint venture
activities; • Activities of electronic banking
and payment systems; • Capital investment activities with
the highest total investment
PT Bank Mandiri Persero Tbk.
amounted to 25 of the Bank’s capital;
• Temporary investment activities for loan recovery;
• Other services, and • Other activities commonly
conducted by the Bank in complicance with the laws and
regulations.
2 Banks are required to extend credit or inancing to productive
enterprises at lowest 65 sixty ive percent of the total loans or
inancing.
d. BOOK 4
capital: ≥ Rp30 trillion 1 is allowed to conduct all business
activities referred to in Book 3 both in rupiah and foreign currency and
equity investments in inancial institutions in indonesia andor the
entire overseas territories with the highest total investment amounted
to 35 of the Bank’s capital.
2 Banks are required to extend credit or inancing to productive
enterprises at the lowest 70 seventy percent of the total loans
or inancing.
OFFiCe neTWORK a. The Bank must obtain a permit from
Bank indonesia prior to create Oice Network in the form of:
1 Branch oice, or 2 Representative oices and other
oices abroad, with the following conditions:
• BOOKS 1 and 2 are not permitted to open Representative Oice and
other oices abroad; • BOOK 3 is permitted to open
Oices Network limited in the Asian region; and
• BOOK 4 is permitted to open Oice Network on all overseas
territories. The Opening of Bank Oice Network
in addition to the above oices must be reported and obtained the
conirmation from Bank Indonesia.
b. Opening of a Bank Network Oice shall meet the following
requirements: 1 Bank Soundness with a rating of
1 one, 2 two, or 3 three for 1 one year, and
2 The availability of core capital allocation based on location and
type of oice Theoretical Capital. Calculation of core capital allocation
availability for Opening Oice Network is obtained by multiplying the
coeicients zone for the location of the Oice Network with investment of oice
network in accordance to the BOOKS. c. In considering the allocation of core
capital availability for opening Oice Network, Bank Indonesia determine
that:
1 Zoning on the degree of saturation of the Bank and equitable
development; 2 Coeicient of each zone; and
3 The investment costs for Opening the Bank Oice Network for each
BOOK. d. Although one of the requirements in
point 2, is not met, the Bank can carry out in Opening Oice Network, if:
1 Credit or inancing to: • SMEs at the lowest 20 twenty
percent of the total loan portfolio or inancing, or
• SMEs at the lowest 10 ten percent of the total loan portfolio
or inancing, and 2 Capital accumulation
7. Bank Indonesia Regulation No. 1427PBI2012 on the
Implementation of Anti-Money Laundering and Combating
the Financing of Terrorism for Commercial Banks
