Non-Performing Loans by Segment
Excluding loans to other banks
30
Movement by Customer Segment Rp Bn Movement by Customer Segment Rp Bn
12.15
1.14 3.00
0.31 1.57
0.16
12.28
3Q 2015 UG to PL DG to NPL Payment Write-Offs Other
4Q 2015
Non-Performing Loan Movements Rp Tn – Bank-Only
772 315
118 1,542
599 111
422
200 48
507
288 92
217
486
- 500
1,000 1,500
2,000 2,500
3,000 3,500
UG to PL DG to NPL
WO
Corp Comm
Small Micro
Cons
NPLs 4Q
NPLs Rp tn
Rp tn Corporate
2.60 0.59
1.30 Commercial
4.60 0.79
2.86 Small
2.28 0.00
3.76 Micro
1.54 0.06
3.61 Consumer
1.27 0.12
1.76 Total
12.28 0.13
2.29
31 Total Loans originated since 2005
Net Upgrades
Downgrades 4Q 2015 Details
Loan Background
Q Balance
Rp Bn 4Q
2013 1Q
2014 2Q
2014 3Q
2014 4Q
2014 1Q
2015 2Q
2015 3Q
2015 4Q
2015 DG to
NPL UG to
PL
Corporate 192,762
0.00 0.10
- -
0.06 -
0.11 0.38
0.24 0.16
0.40 Commercial
154,795 0.01
0.08 0.04
0.12 0.37
0.13 0.95
0.83 0.77
0.85 0.08
Small 57,622
0.64 0.97
0.70 0.45
0.31 1.29
1.17 1.24
0.54 0.73
0.18 Micro
42,487 0.89
1.16 1.26
1.19 0.83
1.25 1.37
1.50 1.08
1.19 0.11
Consumer 72,024
0.07 0.35
0.20 0.20
0.09 0.28
0.23 0.25
0.17 0.30
0.13
Total
519,690 0.13
0.30 0.21
0.20 0.25
0.33 0.60
0.68 0.31
0.53 0.22
downgrades and
upgrades are quarterly figures
32 Restructured Loans
1 7
.1 1
4 .3
1 3
.1 1
3 .6
1 3
.5 1
3 .5
1 4
.2 1
3 .9
1 4
.0 1
1 .7
1 1
.7 1
2 .0
1 2
.5 1
2 .7
1 1
.2 1
1 .5
1 .2
1 1
.8 1
4 .4
2 .9
2 6
.4 2
8 .9
5.0 10.0
15.0 20.0
25.0 30.0
4 Q
9 4
Q 1
1 Q
1 1
2 Q
1 1
3 Q
1 1
4 Q
1 1
1 Q
1 2
2 Q
1 2
3 Q
1 2
4 Q
1 2
1 Q
1 3
2 Q
1 3
3 Q
1 3
4 Q
1 3
1 Q
1 4
2 Q
1 4
3 Q
1 4
4 Q
1 4
1 Q
1 5
2 Q
1 5
3 Q
1 5
4 Q
1 5
Downgrade to Non-Performing After being Restructured
14.9 17.2
16.2
13.0 12.8
17.6
13.5
0.8 0.2
3.9
0.2 5.5
5.7
1.6
0.0 2.0
4.0 6.0
8.0 10.0
12.0 14.0
16.0 18.0
20.0
2 Q
1 4
3 Q
1 4
4 Q
1 4
1 Q
1 5
2 Q
1 5
3 Q
1 5
4 Q
1 5
NPL in Restructured Loan DG to NPL After Being Restructured
33
Total Assets Rp70.4 Tn
Bond Trading Volume Rp55.6 tn
Total Assets Rp22.3 Tn
Total Loans Rp1.6 Tn
Total Financing Rp17.1Tn
Total Financing Rp51.1 Tn
Equity FI Underwriting Rp13.7 tn
Annual FYP Rp3,005 Bn
Net Interest Margin 9.6
Net Interest Margin 3.47
Total Deposits Rp62.1 Tn
Equity Trading Volume Rp116.5 tn
ROA 5.8
ROA 1.71
ROA 5.13
ROE 5.92
ROE 1.4
ROE 69.6
ROE 4.76
ROE 29.8
• Remains the leader in syariah financing
• Capital injection program over 3 years
• Cross-selling syariah products to Mandiri
customers • Expansion of business to
fully utilize current capital base
• Cross-sell capital market services to broad range of
Mandiri customers • Refocus business toward
higher fee income • Providing end-to-end bank
assurance business • Continue to build cross-sell
opportunities in various segments
• Bancassurance products to complete our suite of
consumer offerings • Enhancing operating
model • Improving risk
management systems and IT
• Improving productivity • Pe et ate Ba k Ma di i s
network and customer base to develop the
multifinance segment with a strong focus on new 4
wheel vehicles. Investment Banking
Syariah Banking Insurance
Niche Banking Multi-Finance
A X
A M
an d
ir i F
in an
ci al
S e
rv ic
e s
P e
rf o
rm an
ce
90 245
235 171
183 237
255 258
234 262
259 298
270 269
256 348
297 316
308 360
274 247
394
2Q 10 3Q 10
4Q 10 1Q 11
2Q 11 3Q 11
4Q 11 1Q 12
2Q 12 3Q 12
4Q 12 1Q 13
2Q 13 3Q 13
4Q 13 1Q 14
2Q 14 3Q 14
4Q 14 1Q 15
2Q 15 3Q 15
4Q 15
N e
t P
ro fi
t A
ft e
r Ta
x R
p B
n
A n
n u
a l
Fi rs
t Ye
a r
P re
m iu
m A
F Y
P Rp
B n
o f
P o
li cy
H o
ld e
rs
599 549
673 820
742 769
946 796
892 712
667 695
850 726
774 611
832 874
648 648
816 719
822
2Q 10 3Q 10
4Q 10 1Q 11
2Q 11 3Q 11
4Q 11 1Q 12
2Q 12 3Q 12
4Q 12 1Q 13
2Q 13 3Q 13
4Q 13 1Q 14
2Q 14 3Q 14
4Q 14 1Q 15
2Q 15 3Q 15
4Q 15
810,604 892,582
1,518,536 1,602,778
1,638,543 1,695,242
1,744,124 1,790,508
1,858,702 1,878,121
1,918,703 1,966,698
2,032,635 2,122,563
2,216,648 2,354,395
2,479,161 2,656,672
2,961,906 3,162,354
2Q 10 3Q 10
4Q 10 1Q 11
2Q 11 3Q 11
4Q 11 1Q 12
2Q 12 3Q 12
4Q 12 1Q 13
2Q 13 3Q 13
4Q 13 1Q 14
2Q 14 3Q 14
4Q 14 1Q 15
2 .1
8 Y
o Y
G ro
w th
2 7
.9 2
Y o
Y G
ro w
th 2
5 .2
6 Y
G ro
w th
2015 Target 2015 Realization
2016 Target
Gross Loan Growth YoY 11-13
12.4 12 - 14
Low Cost Deposits Rp 420 Tn
Rp 444 Tn Rp 480 Tn
Net Interest Margins 5.80
6.08 5.80 - 6.00
Efficiency Ratio 45
43.00 45.0
Gross NPLs 2.5-3.0
2.60 2.5 - 3.0
Cost of Credit 1.9-2.1
2.12 1.9-2.1
of New ATMs 2,500
2,044 1,500
of New EDCs 40,000
55,544 50,000
of New Micro Outlets 300
355 150
of New Conventional Branches 50
145
35
36
Operating Performance
Highlights
37
Performance to Date: FY 2015 Rp Bn Strategies for 2016
1. Focusing on Anchor Clients and penetrating through using of
Transaction Banking 2. Account Plan implementation for top
76 Corporate Banking Customers. 3.
P o ide o e stop se ice solutio s fo custo e s t a sactio s a d c eate
new business process to accelerate the execution of Account Plan
including effective and responsive Complaint Handling.
4. Strengthen business alliance with Mandiri InHealth Mandiri DPLK to
ease corporate customers to manage their needs in health insurance
pension fund severance
4,661 2,698
1,630 674
8,315 418
7,897
38
Contribute to the Insurance Portfolio
Leveraging our institutional, corporate, commercial customers
Providing solutions through our banking products to InHealth healthcare provider
Cross-selling Mandiri products to InHealth members
We have over 700 institutional, 300 corporate, and 1,700 commercial customers with the potential to become members
of InHealth
• InHealth has over 7,072 healthcare providers and recorded over Rp 954 Bn in claims year to date 2015
• Bank Mandiri will leverage the hospital network as I Health s partner to increase transactions through enhanced cash
management products • Bank Mandiri also will provide retail packaged products for
all the doctors as I Health s partner
InHealth earned premium payments of Rp 1,432 Bn in 2015 year to date from clients. Going forward, Bank Mandiri will
encourage the use of cash management products through Bank Mandiri
s distribution channels and cross sell other products to over 940,696 InHealth members.
6 9
2 ,8
3 1
1 ,0
2 3
,2 2
8 1
,1 7
5 ,2
4 1
,1 1
8 ,2
6 1
,1 4
1 ,8
9 6
1 ,0
8 7
,3 1
3 9
4 ,6
9 6
5,501 6,242
6,314 6,262 6,094 6,189 7,072
- 2,000
4,000 6,000
8,000
- 200,000
400,000 600,000
800,000 1,000,000
1,200,000 1,400,000
2009 2010
2011 2012
2013 2014
2015 Total Member
of Providers 36
78 47
107 120
203 153
203 811
1,073 1,203
1,410 1,400 1,432
50 100
150 200
250
- 200
400 600
800 1,000
1,200 1,400
1,600
2009 2010
2011 2012
2013 2014
2015 Profit Rp Bn
GWP Rp Bn
39
1. Integrated Wholesale Transaction Banking.
2.
Broaden product offering and services. 3. Acquire RMB License for Bank Mandiri
Shanghai Branch. 4. Open new Distribution Channel in
BMHK. 5. Increased capacity and business
processes for distribution and retail brokerage.
6. New product innovations to improve alliances and synergies with Mandiri
Group.
3,624 3,679
551 6,753
107 6,620
Performance to Date: FY 2015 Rp Bn Strategies for 2016
Q4 2015 Q42014
Y-o-Y
Revenues
588 652
10
• Investment Banking
142 139
2
• Capital Market
268 312
14
• Proprietary
3 65
95
• Investment Mgt
175 135
29
Operating Expenses
506 452
12
Earnings After Tax
15 93
84
Equity Transactions – bn
116,543 129,037
10
SUN Transactions - bn
55,570 75,685
27
Equity Bonds Underwritten
– bn
13,711 8,751
57
ROA
1.1 5.5
79
ROE
1.4 9.5
84 Rp Bn
40
As restated from auditor
41
1.Support Bank Ma di i s Wholesale
Banking vision as an Integrated Wholesale Bank through sophisticated,
customized and complete services leading to increased revenue through
Wholesale Deposit generation and Fee Income.
2.Increasing profit and market share th ough i c easi g e isti g custo e s
share of wallet, increasing revenue from e custo e s a d a agi g NPL s.
3.Provide the best total business solutions for commercial customers by developing
products and services including quality bundling of products, quick service and
competitive pricing.
4.Effective Alliance in units based on customer base in Commercial segment,
especially in developing value chain business.
Performance to Date: FY 2015 Rp Bn Strategies for 2016
5,772 1,272
1,213 472
7,785
3,299
4,486
42
Expanding Scope of Distribution, Q4 2015 Solid Stable Source of
Low Cost Funds
Product Q4
2015 Q4
2014 Growth
Demand Deposit
38.12 32.14
18.61
Rupiah
20.87 20.42
2.20
FX
17.25 11.72
47.18
Saving Deposit
8.56 4.62
85.28
Total CASA
46.68 36.76
26.99
Total Funding
63.63 55.50
14.65
CASA Ratio = 73.36 Funding from Java Bali = 73.71
of total funding
Sumatera Loans = Rp 25,9 tn
Funds = Rp 9.7 tn Kalimantan
Loans = Rp 8.0 tn Funds = Rp 4.6 tn
Eastern Loans = Rp 4.5 tn
Funds = Rp 2.5 tn
Java and Bali Loans = Rp 122,2 tn
Funds = Rp 46.9 tn
Resegmentasi
Business Savings Product CBC = 24 Unit
Floor = 23 Unit
43
1. Continue to develop retail payment
solutions for top retail industry value chains and business clusters in order
to increase low cost deposit and fee- based income
2. Develop customer education to
further increase usage of new retail products e.g., pre-paid as well as e-
channel transactions in order to i c ease custo e s lo alt a d
balances.
Performance to Date: FY 2015 Rp Bn Strategies for 2016
7,333 4,590
2,068 3,144
10,847 3,692
7,155
44
Medan
Makassar Banjarmas
in Surabaya
Semarang Denpasar
Bandung Pekanbaru
Palembang B.Lampung
Pontianak Samarinda
Manado Palu
Jayapura Balikpapan
Batam Jambi
Pematang siantar Padang
Bekasi Jakarta
Solo Tangerang
Bogor
Branch Models that covered SME Customers M-1 Branch : 75
M-2 Branch : 89 M-3 Branch : 164
Expanding Scope of Distribution, 2015 Solid Stable Source of
Low Cost Funds
Product Q4
2014 Q4
2015 Growth
YTD Demand
Deposit 25.6
36.4 42.2
Saving Deposit
66.1 74.3
12.4
Total CASA 91.7
110.7 20.7
Total Funding
121.7 133.2
9.5 Rp Tn
CASA Ratio = 83,2 Funding from Java Bali = 75.2
of total funding
Sumatera Loans = Rp 14.6 tn
Funds = Rp 16.7 tn Kalimantan
Loans = Rp 9.3 tn Funds = Rp 6.4 tn
Eastern Loans = Rp 8.0 tn
Funds = Rp 10.0 tn
Java and Bali Loans = Rp 28.5 tn
Funds = Rp 100.2 tn
Numbers are restated after Resegmentation in Jul 2015
B SM
A d
d re
ss in
g A
ss e
t Q
u al
it y
Is su
e s
10.31 13.28
16.06 23.97
36.73 37.44
39.93 41.82
44.50 46.30
48.40 49.70
50.46 49.82
49.60 49.32
49.13 48.80
50.40 50.60
51.09
4Q 07 4Q 08
4Q 09 4Q10
4Q 11 1Q 12
2Q 12 3Q12
4Q12 1Q13
2Q13 3Q13
4Q13 1Q14
2Q14 3Q14
4Q14 1Q15
2Q15 3Q15
4Q15
Fi n
a n
ci n
g
91.1 89.1
83.1 82.7
86.2 87.2
92.2 93.9
93.9 95.6
94.2 91.3
89.4 90.3
89.9 85.7
82.1 81.7
85.3 84.5
82.0
FD R
Sy ar
ia h
Fi n
an ci
n g
R p
tn
Fi n
an ci
a l P
e rf
o rm
an ce
R p
b n
FY ’
FY ’
FY ’
FY ’
FY ’
FY ’
FY ’
FY ’
Fi n
an ci
n g
1 3
,2 7
8 1
6 ,0
6 3
2 3
,9 6
8 3
6 ,6
6 4
4 4
,7 5
5 5
,4 6
4 9
,1 3
3 5
1 ,0
9
D e
p o
si ts
1 4
,8 9
9 1
9 ,3
3 8
2 8
,9 9
9 4
2 ,6
1 8
4 7
,4 9
5 6
,4 6
1 5
9 ,8
2 1
6 2
,1 1
3
A ss
e ts
1 7
,0 6
6 2
2 ,0
3 7
3 2
,4 8
2 4
8 ,6
7 2
5 4
,2 2
9 6
3 ,9
6 5
6 6
,9 4
2 7
,3 6
9
E A
T 1
9 6
.4 2
2 9
.9 4
4 1
8 .5
2 5
5 1
.0 7
8 5
.6 9
6 5
1 .2
4 7
1 .7
8 2
8 9
.5 8
R ati
o s:
RO A
1 .8
3 2
.2 3
2 .2
1 1
.9 5
2 .2
5 1
.5 3
.1 7
.5 6
R O
E 2
1 .3
4 2
1 .4
2 5
.0 5
2 4
.2 4
2 5
.0 5
1 5
.3 4
1 .4
9 5
.9 2
G ro
ss N
P F
5 .6
6 4
.8 4
3 .5
2 2
.4 2
2 .8
2 4
.3 2
6 .8
3 6
.0 6
N e
t In
te re
st M
ar g
in C
o st
o f
Fu n
d s
Yo A
C o
F N
IM
6.3 6.3
6.6 6.6
7.5 6.9
6.9 7.0
7.3 7.1
7.3 7.2
7.3 6.3
6.2 6.0
6.2 6.3
6.3 6.4
4Q 07 4Q 08
4Q 09 4Q10
4Q11 1Q12
2Q12 3Q12
4Q12 1Q13
2Q13 3Q13
4Q13 1Q14
2Q14 3Q14
4Q14 1Q15
2Q15 3Q15
12.4 13.0
12.7 12.3
13.0 11.5
12.0 12.2
12.4 12.3
12.4 12.1
12.0 11.1
11.1 11.0
10.9 10.6
10.0 10.6
5.4 5.7
5.6 5.1
5.2 4.5
4.7 4.5
4.5 4.6
4.0 4.0
4.1 4.4
4.5 4.5
4.4 4.4
4.3 4.2
46
1. 1 in Auto with new product and 2W
subsidiary build up 2.
1 position in Credit
Card with
innovation and portfolio optimization 3.
1 in mortgage via new segments and mandiri synergies
4. Drive growth in personal loans via new
products and distritbution. 5.
1 bank for I do esia s Gen-Y
6. Recognized
innovator in
banking- unbanked.
7. Extend 1 position in wealthy and
affluent.
Performance to Date: FY 2015 Rp Bn Strategies for 2016
11,660 6,291
2,071 15,881
1,765 14,116
M an
d ir
i T u
n as
F in
an ce
:
T o
tal F
in an
ci n
g Y
T D
o f
R p
1 7
.1 4
T n
To tal
D is
b u
rs e
m e
n t
an d
t h
e B
re ak
d o
w n
fo r
Jo in
t Fi
n an
ci n
g an
d N
o n
J F
B re
ak d
o w
n o
f Fi
n an
ci n
g 4
Q 2
1 5
P e
rf o
rm an
ce
Rp B
n
4 Q
2 1
5 4
Q 2
1 4
C h
Lo a
n s
2 6
,7 5
8 2
1 ,1
6 2
N e
t In
co m
e 3
7 2
3 4
3 1
A p
p ro
val Ra
te 8
6 .1
5 8
9 .3
8 -3
D is
b u
rs e
m e
n t
1 7
,1 4
2 1
4 ,7
7 5
1 6
N IM
3 .4
7 3
.2 8
5 .8
R O
A 5
.1 3
4 .7
4 8
R O
E 2
9 .7
9 2
9 .6
9 .3
C E
R 4
5 .3
3 4
4 .8
2 1
N P
L 1
.2 1
.1 5
4 .5
375 566
852 966
1,146 587
302 78
257 576
884 761
1,054 1,110
1,016 523
1,506 1,199
1,409 1,600
1,454 1,909
1,020 2,217
398 341
425 606
694 1,306
1,369 1,656
1,530 1,592
981 1,771
1,478 1,728
2,224 2,456
2,056 2,408
2,206 2,391
2,236 1,936
3,094 2,975
Q110 Q210
Q310 Q410
Q111 Q211
Q311 Q411
Q112 Q212
Q312 Q412
Q113 Q213
Q313 Q413
Q114 Q214
Q314 Q414
Q115 Q215
Q315 Q415
JF N
o n
J F
405 539
806 1,101
1,370 1,364
1,245 1,355
1,353 1,609
1,420 2,075
2,105 2,416
2,871 2,678
3,290 3,374
3,398 3,824
3,549 3,732
3,975 5,062
309 306
351 372
350 422
342 312
373 486
396 401
372 345
289 232
208 162
149 108
96 71
82 73
6 1
7 9
1 1
8 9
9 1
1 8
10 9
8 4
67 60
7 2
4 9
5 6
56 7
6 8
7 6
4 7
6 8
6 4
5 4
1 5
7 5
6
Q110 Q210
Q310 Q410
Q111 Q211
Q311 Q411
Q112 Q212
Q312 Q412
Q113 Q213
Q313 Q413
Q114 Q214
Q314 Q414
Q115 Q215
Q315 Q415
M o
to rc
yc le
U se
d C
ar N
e w
C ar
48
Supporting
Materials
2009
2005
Market Cap: IDR 60 Tn Revenue Market Share: 8
Net Profit: IDR 2.41 Tn ROE: 10
Gross NPL: 16.3 Market Cap: IDR 136.9 Tn
Revenue Market Share: 13.4 Net Profit: IDR 9.22 Tn
ROE: 24.24 Gross NPL: 2.42
2020
Top Bank In ASEAN
Market Cap: IDR 225 Tn Revenue Market Share: 14
–16 ROE: 25
Gross NPL: 4
49
2014
• Building a winning organization • Delivering tailored proposition
for priority segments • Building alliances
• Strengthening risk management • Wholesale transaction banking
• Retail payment deposits • Retail financing
• Business transformation • Developing integrated Human
Capital IT • Focusing on non-organic growth
1
st
Transformation 2
nd
Transformation 3
rd
Transformation
• Revenue Growth FY Whole Group: Rp66.9Tn 18 YoY
• Profit from Subsidiary: Rp2.09Tn 10.3 of EAT
• FY Revenue Wholesale vs Retail : Rp 24.3Tn vs Rp 32.7Tn
Our Deal size has continued to move higher
• BSHB Rp 40bn 2008
• MTF Rp250 bn 2009
• Inhealth Rp 1.3 tn 2013
Bank Group
Finding Business Partners
M A
• JV with AXA AMFS. Gross Written Premiums Rp1.5tn. +27 YoY
• JV with Tunas Ridean MTF. Total Financing Rp4.1tn. 15 YoY
• InHealth partner BPJS
50
51
13,607 5,302
8,080
10,829
Net Interest Income Fee-Based Income Overhead Expenses
Others Pre-provision
Operating Profit
4Q 2015
Notes : 1. Fee based income excluding gain on sale increasing value GB securities
2. Overhead expenses + others excluding provisions
4Q 2014
Higher 24.8
11,524 4,066
6,914
8,675
Net Interest Income Fee-Based Income
Overhead Expenses Others
Pre-provision Operating Profit
Rp Bn Rp Bn
Reduce Cost of Funds Improve Assets Yield
Diversify into Fee Income
Reduce ProvisionLoan Improve Cost Efficiency
Leverage on cash generator wholesale to accelerate growth
Diversity into fee income
Competitive. sustainable
returns. with above-average
rates of growth
Business Strategy
Strategic Alliances
Support Strategy
52
53
E-Money is the re-branding of prepaid
Mandiri cards launched in October 2012.
Can be used for Toll-road Transactions Jabodatabek. Parking ISS Parking. Bus
Trans Solo Trans Jogja. Fuel Pertamina Gas Stations. Retail Shops
Indomaret. Alfamart. Alfamidi. Lawson. Superindo. Restaurants Solaria.
Excelso. Es Teller 77.
Can be owned by all customers non customers with a maximum balance of Rp
1 million. Recharge available at Mandiri ATM. ATM Bersama. E-money machines.
and E-money merchants.
Pre-Paid Card Volume 000s
359 506 775
2,118 4,015
3,988 4,833
4,926 5,275
6,159 7,891
13,662 16,802
18,012
3,966 5,908
8,146 11,680
18,356 20,211
22,112 21,752
22,741 21,156
20,679 19,460
20,542 20,502
23,864 24,644
27,260 29,110
12 14
9 175 161 139136 131 321
467 484
456 455
1,502 2,231
4,346 6,421
8,332 14,874
18,261 20,981
22,777 24,508
1 Q
1 1
2 Q
1 1
3 Q
1 1
4 Q
1 1
1 Q
1 2
2 Q
1 2
3 Q
1 2
4 Q
1 2
1 Q
1 3
2 Q
1 3
3 Q
1 3
4 Q
1 3
1 Q
1 4
2 Q
1 4
3 Q
1 4
4 Q
1 4
1 Q
1 5
2 Q
1 5
3 Q
1 5
4 Q
1 5
Indomaret e-Toll
Gaz e-Money
Pre-Paid Transaction Volume 000s
volume for quarter
517 627
688 773
846 981
1,093 1,412
1,487 1,564
1,663 1,752
1,829 1,899
1,976 2,112
2,249 2,478
2,693 2,892
204 368
506 693
920 1,098
1,226 1,312
1,409 1,564
1,633 1,722
1,867 1,960
2,012 2,110
2,202
48 48
49 50
50 58
58 59
59 64
64 84
84 84
84 85
85 4
89 120 152
392 644
890 1,061
1,124 1,240
1,382
M ar
-1 1
Ju n
-1 1
Se p
-1 1
D e
c- 1
1 M
ar -1
2 Ju
n -1
2 Se
p -1
2 D
e c-
1 2
Mar -1
3 Ju
n -1
3 Se
p -1
3 D
e c-
1 3
M ar
-1 4
Ju n
-1 4
Se p
-1 4
D e
c- 1
4 M
ar -1
5 Ju
n -1
5 Se
p -1
5 D
e c-
1 5
Indomaret e-Toll
Gaz e-Money
Outstanding – Rp Tn
4.4 5.4
7.3 11.8
19.0 27.1
36.0 42.5
2.02 2.29
2.76 3.91
6.25 9.77
11.00
0.00 0.50
1.00 1.50
2.00 2.50
3.00 3.50
4.00 4.50
5.00 5.50
6.00 6.50
7.00 7.50
8.00 8.50
9.00 9.50
10.00 10.50
11.00 11.50
12.00
1 2
3 4
5 6
7 8
9 10
11 12
13 14
15 16
17 18
19 20
21 22
23 24
25 26
27 28
29 30
31 32
33 34
35 36
37 38
39 40
41 42
43 44
45
2 8
2 9
2 1
2 1
1 2
1 2
2 1
3 2
1 4
2 1
5
Mandiri Microfinance Outstanding Mandiri Market Share
54
based on OJK publication market data micro small medium business UMKM
1 ,3
4 7
1 ,6
4 6
1 ,6
4 5
2 ,1
9 5
1 ,8
2 6
2 ,5
2 2
2 ,7
9 1
4 ,2
8 3
,3 9
7 4
,5 2
5 4
,4 3
5 5
,7 6
4 5
,1 3
6 7
,0 5
7 5
,1 8
7 6
,8 7
7 5
,6 8
9 8
,5 2
7 7
,0 3
9 7
,7 3
2 5
,9 7
4 5
,9 4
5 4
,0 5
6 ,3
3 7
1 Q
1 2
Q 1
3 Q
1 4
Q 1
1 Q
1 1
2 Q
1 1
3 Q
1 1
4 Q
1 1
1 Q
1 2
2 Q
1 2
3 Q
1 2
4 Q
1 2
1 Q
1 3
2 Q
1 3
3 Q
1 3
4 Q
1 3
1 Q
1 4
2 Q
1 4
3 Q
1 4
4 Q
1 4
1 Q
1 5
2 Q
1 5
3 Q
1 5
4 Q
1 5
Booking
Booking Volume – Rp Bn
16.5 16.5
17.3 16.9
17.9 17.7 17.1
21.0 20.8
20.6 20.2
18.7
14.4 14.3
14.0 14.2
13.2 13.2
13.2 13.2
11.0 11.3
10.8 10.6
Asset Spreads
2005 2009
CAGR
2005-2009
2010 2014
CAGR
2010-2014
2015 YoY
Growth
Assets 263,383
394,617 10.6
449,775 855,040
17.4 910,063
6.4 Loans
106,853 198,547
16.8 246,201
529,973 21.1
595,458 12.4
Deposits 206,290
319,550 11.6
362,212 636,382
15.1 676,387
6.3 Revenues
10,835 22,261
19.7 28,504
56,501 18.7
66,879 18.4
ROE 2.52
22.06 72.0
24.24 20.95
3.6 18.33
12.5 Gross NPL Ratio
25.20 2.79
5.60 2.42
2.15 2.9
2.60 20.9
Net NPL Ratio 15.34
0.42 3.73
0.62 0.81
6.9 0.90
11.1 LDR
51.72 61.36
2.41 67.58
82.86 5.2
87.68 5.8
EAT 603
7,155 85.6
9,218 19,872
21.2 20,335
2.3 Subsidiary EAT
NA 434
22.2 994
1,086 2.2
2,085 92.0
Rp Billion
CAGR based on EAT 2006 Rp. 238.28 bn
55
Savings Deposit Growth Transaction channel growth
1 6
.5 1
2 3
.5 1
2 1
.5 1
3 9
.2 1
4 7
.6 1
6 3
.8 1
6 3
.9 1
7 3
.4 1
8 .2
2 2
.2 1
9 5
.7 2
6 .6
2 1
7 .7
2 3
6 .6
2 2
4 .0
2 2
6 .2
2 3
.2 2
2 9
.5 2
8 .3
2 1
4 .1
2 2
4 .0
2 4
6 .3
35.5 37.1
37.3 38.4
39.2 38.8
40.6 41.5
41.8 41.9
41.9 41.1
42.3 42.5
42.1 40.7
39.0 39.8
36.6 36.0
37.7 40.2
17.6 16.8
17.3 16.9
16.9 16.6
16.7 16.7
16.5 17.0
16.8 17.517.4
17.7 17.5
17.6 17.3
17.9 17.3
17.6 18.0
4 Q
9 4
Q 1
1 Q
1 1
2 Q
1 1
3 Q
1 1
4 Q
1 1
1 Q
1 2
2 Q
1 2
3 Q
1 2
4 Q
1 2
1 Q
1 3
2 Q
1 3
3 Q
1 3
4 Q
1 3
1 Q
1 4
2 Q
1 4
3 Q
1 4
4 Q
1 4
1 Q
1 5
2 Q
1 5
3 Q
1 5
4 Q
1 5
Savings Deposits Rp tn As of Total Deposits
National Share of Savings Deposits
1 ,4
7 2
1 ,5
5 7
1 ,6
7 9
1 ,6
8 9
1 ,6
9 7
1 ,8
1 1
,8 5
5 1
,9 6
6 1
,9 5
4 1
,9 5
4 2
,0 2
1 2
,0 4
5 1
,9 9
6 2
,0 9
6 2
,0 9
6 2
,1 2
9 2
,1 4
1 2
,2 9
1 2
,4 3
2 2
,4 2
1
157.6 168.3
182.7 197.3 219.9 236.8 247.1
278.2 279.4 283.0 285.4 299.3 296.4
314.2 306.5 315.9 339.4
356.3 364.6391.2
82.5 85.4
92.9 91.2 112.6
128.1 136.9
147.2 139.6 136.4 151.4 145.4 143.2
138.1 140.1143.4 141.1
133.2 179.9150.9
35.17 37.90
43.38 46.07 51.46
67.25 68.00 70.43 74.03 70.65
74.79 79.33 78.32 86.89 91.67
94.25 100.38
112.16 144.33
184.10
Other Payment
Transfer Withdrawal Inquiry
Avg ATM Daily Vol 000
7 .5
1 9
.6 2
3 1
1 .0
5 7
1 2
.8 6
8 1
3 .6
2 5
2 7
,3 2
5 3
2 ,2
1 3
3 4
,5 5
3 ,7
7 2
3 2
,9 9
5 3
4 ,1
3 3
4 8
,9 7
5 5
7 ,4
3 6
7 4
,6 8
9 7
,0 3
4 1
,1 4
9 1
3 3
,9 7
1 6
8 ,3
3 1
7 1
,6 5
9 1
9 6
,0 3,084
3,258 2,953
3,219 3,179
3,235 3,218
3,330 3,203
3,223 3,181
3,119 3,047
3,211 3,185
3,266 2,907
2,927 3.181
2,678
1 Q
1 1
2 Q
1 1
3 Q
1 1
4 Q
1 1
1 Q
1 2
2 Q
1 2
3 Q
1 2
4 Q
1 2
1 Q
1 3
2 Q
1 3
3 Q
1 3
4 Q
1 3
1 Q
1 4
2 Q
1 4
3 Q
1 4
4 Q
1 4
1 Q
1 5
2 Q
1 5
3 Q
1 5
4 Q
1 5
Quarterly Call Center Trans. 000 Quarterly Mobile Trans. 000
56
Rp B
ill io
n
C o
n su
m e
r Lo
an s
fr o
m A
ll ian
ce P
ro g
ram
1 t
o p
c o
rp o
ra te
c li
e n
ts To
tal P
a yr
o ll
i n
2 1
-2 1
5
Rp B
C o
-B ran
d in
g P
re p
ai d
C a
rd P
ro g
ram
Le ve
rag in
g C
as h
G e
n e
rat o
r to
A cc
e le
rat e
H ig
h Y
ie ld
G ro
w th
an d
D e
p o
si t
Fr an
ch is
e
In cl
u d
in g
al l p
ay m
e n
ts to
th e
e m
p lo
ye e
s
4,067 4,324
4,878 5,665
6,482 6,716
7,534 8,772
9,710 10,368
11,114 11,720
12,178 12,436
13,092 13,750
14,318 14,886
15,692 16,397
17,047
4Q10 1Q11
2Q11 3Q11
4Q11 1Q12
2Q12 3Q12
4Q12 1Q13
2Q13 3Q13
4Q13 1Q14
2Q14 3Q14
4Q14 1Q15
2Q15 3Q15
4Q15 10,231
10,533 11,500
12,281 15,469
15,756 22,085
24,230 23,968
24,106 25,656
26,127 25,656
27,446 27,975
23,385 27,298
27,372 21,088
Dec 10 Mar 11
Jun 11 Sep 11
Dec 11 Mar 12
Jun 12 Sep 12
Dec 12 Mar 13
Jun 13 Sep 13
Dec 13 Mar 14
Jun 14 Sep 14
Dec 14 Mar 15
Jun 15 Sep 15
Risk Profile CAR Min
1 – Low
8 2
– Low to Moderate 9 - 10
3 – Moderate
10 - 11 4
– Moderate to High 5 - High 11 - 14
Ba k Ma di i is u de the LOW to MODE‘ATE isk p ofile
BUKU Tier 1 Capital
1 Rp 1 Trillion
2 Rp 1 Trillion - Rp 5 Trillion
3 Rp 5 Trillion - Rp 30 Trillion
4 ≥ Rp 30 Trillion
Ba k Ma di i is u de BUKU .
Minimum 70 loans and financing to the productive sector required to be
met at the end of June 2016.
Branch Sub Branch
Cash Office Total
Zone 1 21
286 114
421 Zone 2
38 609
109 756
Zone 3 15
110 20
145 Zone 4
29 164
32 225
Zone 5 18
124 11
153 Zone 6
12 54
5 71
Total 133
1347 291
1771
Branch Networking by Zone Bank
Ma diri’s Capital Requirement Based on our Risk Profile Bank Mandiri Capital Requirment
At October 31. 2012
58
• Scorecard Refinement •Training Capacity
Development of Managers
•MKA Revitalization focus on credit analysis
verification
•Loan Factory for Fixed Income Loan
•FIN-1 Collection System •Change in Organization
•Crash Program for NPL debtors settlement
Origination Targeting
Maintenance Review
Collection
Operational Risk Building New
Business
•1,444 MKSMMCBack OfficeOther Position and 247
Managers
•Biweekly RTTA Risk. Threshold. Trigger Action
Plan Review Forum
•Mobile Sales and Maintenance System for MKS
•Incentive Scheme Refinement
•Post Transaction Control Welcome Call
•Savings •Pension Loans
•Joint Cooperation with Mandiri AXA General Insurance MAGI
•Joint Cooperation with Bank Syariah Mandiri BSM
– for Gold Pawning
•3,720 EDC hand held rolled out
•Early Warning System Development
59
3 .9
6 M
ill io
n C
ar d
s D
ro ve
R p
7 .3
9 T
n in
T ran
sac ti
o n
Man d
ir i V
is a
Mas te
rc ar
d s
an d
E O
Q R
e ce
iv ab
le s
3,575 3,761
3,910 4,296
4,245 4,492
4,590 5,035
5,025 5,195
5,303 5,620
5,557 6,855
7,566 8,288
8,344 8,751
8,683 8,970
2 ,0
8 1
2 ,1
5 6
2 ,3
5 8
2 ,4
4 6
2 ,5
7 2
,6 8
5 2
,9 7
2 3
,0 3
2 3
,0 8
3 3
,1 5
5 3
,2 7
5 3
,4 3
5 3
,6 2
3 ,6
6 5
3 ,7
2 7
3 ,8
1 7
3 ,8
9 3
,9 6
9
1Q 11 2Q 11
3Q 11 4Q11
1Q12 2Q12
3Q12 4Q12
1Q13 2Q13
3Q13 4Q13
1Q14 2Q14
3Q14 4Q14
1Q15 2Q15
3Q15 4Q15
R e
ce iv
ab le
s Rp
t n
C ar
d s
s 3,032
3,421 3,669
4,080 3,782
4,167 4,462
5,053 4,832
5,166 5,266
5,315 5,174
6,749 7,230
7,530 6,949
7,229 7,076
5 3
5 3
5 6
5 5
5 4
5 3
5 3
5 9
6 6
3 6
6 6
9 7
6 1
2 5
1 7
1 3
2 3
3 2
9 5 2
7 6
1Q 11 2Q 11
3Q11 4Q11
1Q12 2Q12
3Q12 4Q12
1Q13 2Q13
3Q13 4Q13
1Q14 2Q14
3Q14 4Q14
1Q15 2Q15
3Q15 4Q15
Tr an
sf e
r B
al an
ce
C as
h A
d van
ce
R e
tai l
To tal
C ar
d Q
u ar
te rl
y Sal
e s
b y
Ty p
e o
f Tr
an sac
ti o
n Rp
B n
61
Corporate Customer by Rating Summary of Risk Management Initiatives
Credit
Market
Operational
• ORM implementation in all unit. incl. overseas offices subsidiaries
• Bring Op. Risk top issues into Management • Review Op. Risk on new procedures new products
• Development of risk measurement system for derivative structured product Summit
• Implement Market Risk Internal Model • Intraday Limit Monitoring
• Enhance Policy Procedure for Treasury ALM • Enhance FTP Fund Transfer Pricing method
• Develop liquidity stress test safety level • Develop measurement of capital for IRBB
• Wholesale Transaction: Optimize credit decision process by focusing on quantitative factors of
analysis. redefining clear role of risk team . and aligning RM Organization into business expansion
• High Yield Business: Assign dedicated team. set up loan factory. enhanced business process incl. tools.
monitoring collection system. policy • Optimize capital by implementing ERM VBA
• Consolidate risk management of subsidiaries High Risk Rating C- G
Medium Risk Rating BBB – B
Low Risk Rating AAA – A
51 64 68 60
69 91
84 80 81 72
34 24 21
25 24
7 13 16 16
24 15 12 11 15
7 2
3 4
3 4
20 40
60 80
100
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
62
Bank Only
IDR billion Cons FY 2015
9M 2015 FY 2014
YoY
Gross Loans 595,457
560,630 529,973
12.4 Government Bonds
103,869 101,079
86,154 20.6
Total Assets 910,063
905,759 855,040
6.4 Customer Deposits
676,387 654,595
636,382 6.3
Total Equity 119,492
113,137 104,845
14.0 RoA
– before tax p.a. 3.00
2.85 3.39
12.0 RoE
– after tax p.a. 18.33
17.89 20.95
12.5 Cost to Income
43.00 43.10
44.91 4.3
NIM p.a. 6.08
5.81 5.97
1.7 LDR
87.68 85.32
82.86 5.8
Gross NPL Total Loans 2.60
2.81 2.15
21.1 Provisions NPLs
145.54 136.18
157.11 7.4
Tier 1 CAR 16.15
15.33 15.35
5.2 CAR Under Basel III
- -
- -
Total CAR incl. Credit, Opr 18.60
17.81 16.60
5.8 Market Risk
EPS Rp 872
625 852
2.3 Book ValueShare Rp
5,121 4,849
4,493 14.0
176.9 153.5
148.8 122.9
93.1 92.1
90.6 89.5
88.3 88.4
88.2 88.4
89.1 86.8
83.5 82.2
78.1 78.2
77.9 78.1
78.5 78.4
80.4 77.9
78.9 79.2
79.6 82.2
82.2 90.6
89.0 87.6
86.2 100.1
100.1 101.1
103.9
43.0 48.3
65.4 65.4
75.9 106.9
117.7 138.5
174.5 175.2
181.6 188.3
198.5 201.9
218.0 231.9
246.2 251.8
276.7 297.5
314.4 327.2
350.4 365.2
388.8 391.6
428.7 450.8
472.4 470.4
485.8 506.5
530.0 532.8
552.8 560.6
595.5
27.0 33.4
60.5 36.1
50.6 64.5
59.2 91.1
95.7 84.1
89.0 89.8
106.9 110.6
100.6 95.3
125.5 136.1
120.3 126.4
159.1 141.3
140.9 145.3
167.9 169.7
163.9 167.1
178.4 168.4
190.1 204.1
238.9 235.4
261.2 244.1
210.7
1 2
3 4
5 6
7 8
9 1
4Q 00 4Q 01
4Q 02 4Q 03
4Q 04 4Q 05
4Q 06 4Q 07
4Q 08 1Q 09
2Q 09 3Q 09
4Q 09 1Q 10
2Q 10 3Q 10
4Q10 1Q11
2Q11 3Q11
4Q11 1Q12
2Q12 3Q12
4Q12 1Q13
2Q13 3Q13
4Q13 1Q14
2Q14 3Q14
4Q14 1Q15
2Q15 3Q15
4Q15
G o
ve rn
m e
n t
B o
n d
s Lo
a n
s O
th e
r A
ss e
ts
7 5
.4 7
5 .4
7 4
.1 6
.6 4
.9 4
7 .1
3 4
.8 1
3 .4
1 1
.2 8
.5 6
.1 7
.3 7
.2 6
.0 6
.5 7
.3 7
.7 8
.5 8
.0 7
.1 6
.9 7
.7 7
.5 7
.4 7
.4
1 9
.0 1
9 .0
3 4
.1 4
6 .9
5 .1
5 2
.2 5
6 .8
5 7
.2 6
3 .6
6 8
.3 7
6 .0
7 1
.7 7
6 .5
7 5
.5 7
9 .5
9 .9
8 3
.4 8
8 .6
8 7
.9 8
9 .1
8 8
.6 8
4 .6
8 7
.3 8
7 .4
8 5
.5 8
5 .8
8 6
.1 8
6 .5
In t.
f ro
m B
o n
d s
In t.
f ro
m L
o a
n s
T o
tal A
ss e
ts G
re w
6 .4
Y -o
-Y t
o R
p 9
1 .0
T n
Tot al A
sse ts
Rp Tn
C o
n so
lid a
te d
64
Aggregate of Rp 40.814 Tn US 2.961 Bn in written-off loans as of end-of December 2015, with significant recoveries and write back on-going:
2001: Rp 2.0 Tn
2002: Rp 1.1 Tn
2003: Rp 1.2 Tn
2004: Rp 1.08 Tn
2005: Rp 0.818 Tn
US 83.2m
2006: Rp 3.408 Tn
US 378.5m
2007: Rp 1.531 Tn
US 249.3m
2008: Rp 2.309 Tn
US 211.8m
Q 9: Rp 0.775 Tn
US 82.5m
Q :
Rp 0.287 Tn US 31.6m
Q :
Rp 0.662 Tn US 73.0m
Q :
Rp 0.363 Tn US 40.7m
Q :
Rp 1.349 Tn US149.7m
Q :
Rp 0.468 Tn US53.8m
Q :
Rp 0.446 Tn US51.9m
Q :
Rp 0.508 Tn US57.8m
Q :
Rp 0.78 Tn US86.1m
Q :
Rp 1.647 Tn US180.1m
Q :
Rp 0.721 Tn US76.8m
Q :
Rp 0.489 Tn US51.1m
Q :
Rp 0.885 Tn US91.8m
Recoveries of Written off
Loans
Q :
Rp 0.918 Tn US94.5m
Q :
Rp 0.683 Tn US68.8m
Q : ‘p .
Tn US54.4m
Q :
Rp 0.845 Tn US69.4m
Q :
Rp 0.552 Tn US48.7m
Q :
Rp 0.765 Tn US64.5m
Q :
Rp 0.566 Tn US46.4m
Q :
Rp 0.803 Tn US64.8m
Q :
Rp 0.553 Tn US42.4m
Q :
Rp 0.646 Tn US48.5m
Q :
Rp 0.751 Tn US51.3m
Q Rp 1.089 Tn
US79.0m
including the write-back of RGM loans totaling Rp 2.336 Tn Including the write back of Kharisma Arya Paksi loans totaling Rp 0.124 Tn and Gde Kadek Rp 0.59Tn.
65
Summary BS 4Q
’ 3Q
’ 2Q
’ 1Q
’ 4
Q’ Y-o-Y
Rp tn Rp tn
Rp tn Rp tn
Rp tn
Total Assets
910.06 905.76
914.08 868.35
855.04 6.4
Cash 25.11
19.06 19.52
16.76 20.70
21.3 Current Acc w BI other banks
66.47 71.42
64.74 60.16
59.59 11.6
Placement w BI other banks 37.39
57.21 61.16
62.82 61.21
38.9 Securities Net
43.64 45.62
47.06 44.37
40.47 7.8
Government Bonds 103.87
101.08 98.32
100.12 86.15
20.6 - Trading
2.85 2.70
3.36 3.74
2.90 1.6
- AFS 74.15
74.84 72.18
73.57 61.19
21.2 - HTM
26.87 23.54
22.78 22.81
22.07 21.7
Loans 595.46
560.63 540.91
532.82 529.97
12.4 - Performing Loans
579.94 544.86
527.62 520.68
518.56 11.8
- Non-Performing Loans 15.52
15.77 13.29
12.14 11.41
36.0 Allowances
22.56 21.45
18.80 18.24
17.92 25.9
Loans – Net
572.90 539.18
522.10 514.58
512.06 11.9
Total Deposits – Non Bank
676.39 654.60
625.995 628.712
636.382 6.3
- Demand Deposits 172.17
168.39 152.64
141.49 128.07
34.4 - Savings Deposits
271.71 247.52
225.44 230.58
252.45 7.6
- Time Deposits 232.51
238.69 247.92
256.64 255.87
9.1 “ha eholde s E uit
119.49 113.14
108.18 104.79
104.85 14.0
66
Summary PL 4Q 2015
3Q 2015 4Q 2014
Y-o-Y Q-o-Q
Rp Bn of
Rp Bn of
Rp Bn of
Av.Assets Av.Assets
Av.Assets
Interest Income 18,933
8.3 18,066
8.0 17,363
8.1 9.0
4.8 Interest Expense
6,022 2.6
6,814 3.0
6,536 3.1
7.9 11.6
Net Interest Income 12,911
5.7 11,252
5.0 10,827
5.1 19.3
14.7 Net Premium Income
696 0.3
886 0.4
697 0.3
0.1 21.4
Net Interest Income Premium Income 13,607
6.0 12,138
5.4 11,524
5.4 18.1
12.1
Other Non Interest Income Other Fees and Commissions
2,443 1.1
2,546 1.1
2,534 1.2
3.6 4.0
Foreign Exchange Gains – Net
844 0.4
533 0.2
399 0.2
111.2 58.1
Gain from Incr. in value of sec sale of Gov.Bonds 178
0.00 134
0.1 111
0.1 60.3
NA Others
2,015 0.9
2,182 1.0
1,132 0.5
0.78 7.7
Total Non Interest Income 5,479
2.4 5,127
2.3 4,176
2.0 31.2
6.9 Total Operating Income
19,086 8.4
17,265 7.6
15,700 7.3
21.6 10.5
Provisions, Net 3,552
1.6 4,495
2.0 1,779
0.8 99.7
21.0 Personnel Expense
3,444 1.5
2,903 1.3
2,807 1.3
22.7 18.6
GA Expenses 3,730
1.6 3,322
1.5 3,488
1.6 6.9
12.3 Loss from decr in value of sec Gov Bonds
- 0.0
- `
- -
Other Expenses 906
0.4 744
0.3 620
0.3 46.1
21.6 Total Expense
8,080 3.6
6,970 3.1
6,914 3.2
16.9 15.9
Profit from Operations 7,455
3.3 5,800
2.6 7,007
3.3 6.4
28.5 Non Operating Income
23 0.0
5 0.0
10 0.0
145.2 371.1
Net Income Before Tax 7,478
3.3 5,805
2.6 7,016
3.3 6.6
28.8 Net Income After Tax
5,752 2.5
4,658 2.1
5,418 2.5
6.2 23.5
Ministry of Finance
Market Sale Bank
Indonesia
•
BI will gradually replace their use of SBI for market operations with SUN
•
BI could buy the Recap bonds gradually and this includes potential purchases of SUN VR
•
The Ministry of Finance will consider to buyback the SUN VR
•
Potential for debt switching with a different tenor of fixed rate bonds.
•
Bundle the recap bonds with assets creating an asset backed security and sell it to the market.
•
Sell the bonds. borrowing FX and use the liquidity to increase lending.
67
68
Government Bond Portfolio by Type and Maturity Rp103,869 Bn
Q Go e
e t Bond GainsLosses Rp Bn
Mark to Market impacts Profit Mark to Market impacts Equity
Nominal value
35.56 20.24
2.85 38.60
6.63
10 20
30 40
50 60
70 80
Trading AFS
HTM
Fixed Rate Variable Rate
Bonds by Rate Type Portfolio as of Dec 2015 Rp103,869 Bn
Q’ Q’
Q’ 4
Q’
Realized GainsLosses on Bonds
146.76 50.67
37.39 5.75
Unrealized GainsLosses on
Bonds
53.62 78.69 107.30
113.08
Total
200.38 28.02
69.91 118.83
Maturity Trading Portfolio
Available for Sale Held to
Maturity Rp bn
Nominal MTM
Nominal MTM
Fixed Rate Bonds
1 year 834
833 3,361
3,371 3,099
1 - 5 year 429
429 22,050
22,946 3,275
5 - 10 year 962
938 11,478
11,264 105
10 year 635
650 1,053
1,017 148
Sub Total 2,860
2,850 37,944
38,597 6,627
Variable Rate Bonds
1 year -
- 103
102 10,883
1 - 5 year -
- 35,909
35,454 9,356
5 - 10 year -
- -
- -
10 year -
- -
- -
Sub Total -
- 36,012
35,556 71,568
T o t a l 2,860
2,850 73,955
74,154 78,196
69
Stated in Rp Millions
70
Moody’s March Fitch Rating August 2015
Outlook STABLE
LT Issuer Default Rating BBB-
Long Term Rating Baa3
ST Issuer Default Rating F3
Foreign LT Bank Deposits Baa3
Local Currency LT Issuer Default Rating BBB-
Local LT Bank Deposits Baa3
National LT Rating AAAidn
Senior Unsecured Debt WR
National ST Rating F1+idn
Bank Financial Strength D+
Viability Rating bb+
Foreign Currency ST Deposits P-3
Support Rating 2
Local Currency ST Deposits P-3
Support Rating Floor BBB-
Pefindo September 2015 “ta dard Poor’s December 2015
Outlook STABLE
Outlook STABLE
LT General Obligation idAAA
LT Foreign Issuer Credit BB+
Subordinated Debt idAA+
LT Local Issuer Credit BB+
ST Foreign Issuer Credit B
ST Local Issuer Credit B
71
Dividend Payment
Net Profit for the financial year of 2014 of Rp19,871,873,276,792.60 was distributed as follows:
• 25 or Rp4,967,968,319,198.15 for the annual dividend • Total Dividend Payment of Rp212.91292 per share
Schedule : a. Cum Date:
Regular and Negotiated Market: March 23, 2015
Cash Market: March 26, 2015
b. Ex Date: Regular and Negotiated Market:
March 24, 2015 Cash Market:
March 27, 2015 c. Recording Date:
March 26, 2015 d. Payment Date:
April 17, 2015 Net Profit for the financial year of 2013 of Rp18,203,753,301,421.70
was distributed as follows: • 30 or Rp5,461,125,990,426.51 for the annual dividend
• Total Dividend Payment of Rp234.04825 per share
72
4 6
6 ,6
5,025 3,662
157 81
40,638 4,316
5 1
,4 8
4
Beg. Bal. DG to 2 UG from 2
DG to NPL
UG from NPL
Net Disburs.
FX Impact End Bal.
Category 1 Loan Movements Rp Bn – Bank Only
Category 2 Loan Movements Rp Bn – Bank Only
2 4
,0 3
2
5,025 3,662
2,845 1,061
1,161 183
2 2
,2 6
6
Beg. Bal. Cat. 1
DG UG to 1
DG to NPL
NPL UG Net
Collection FX Impact End Bal.
73
475.27
247.79 101.57
44.79 42.99
8.32 5.99
536.03
2014 Disburs.
Install. Payment Pay-off FX
Impact Write-
Offs 2015
Loan Movement – 2015 Bank-Only
Rp Tn Loan Disbursement by Segment
–2015 Bank-Only Rp Tn
111.17 65.75
23.98 28.18
18.71
247.79
Corporate Commercial Small
Micro Consumer
Total
74
4 4
8 ,1
5 9
10,872 2,704
4,875 24
58,217 8,128
5 1
,4 8
4
Beg. Bal. DG to 2 UG from 2
DG to NPL
UG from NPL
Net Disburs.
FX Impact End Bal.
Category 1 Loan Movements Rp Bn – Bank Only
Category 2 Loan Movements Rp Bn – Bank Only
1 9
,1 8
8
10,872 2,704
3,931 878
2,263 226
2 2
,2 6
6
Beg. Bal. Cat. 1
DG UG to 1
DG to NPL
NPL UG Net
Collection FX Impact End Bal.
75
Loan Profile: 4Q Collectability by Segment Bank Only
96.9 92.3
92.2 90.2
90.1 1.8
4.8 4.0
6.2 8.1
0.7 0.2
0.6 0.4
0.9 1.9
3.0 2.2
0.8
Corp Comm
Small Micro
Cons
5 4
3 2
1
193,957 148,334
55,763 38,334
65,097
3,581
7,751
2,416 2,637
5,881 1,708
3,005
1,821 920
601
10,000 20,000
30,000 40,000
50,000 60,000
70,000 80,000
90,000 100,000
110,000 120,000
130,000 140,000
150,000 160,000
170,000 180,000
190,000 200,000
210,000
Corp Comm
Small Micro
Cons Loan Profile: 4Q Collectability Rp bn by Segment
Bank Only
1 2
3 4
5 6
7 C
u rr
e n
t 3
D a
ys O
D
N P
L Lo
an D
e tai
l :
Q u
a rt
e rl
y b
y D
ay s
P as
t D
u e
Q u
ar te
rl y
D G
t o
N P
L I
n te
re st
D P
D -
B an
k O
n ly
11,161 6,901
1,177 4,106
1,558 1,304
1,031 1,644
235 783
561 134
503 596
325 1,858
1,975 297
480 283
851 617
454 552
1,284 357
605 503
553 649
379 545
796 353
562 524
729 499
439 1,529
889 2,291
2,640 2,045
2 ,0
4 ,0
6 ,0
8 ,0
1 ,0
1 2
,0
Q1 05 Q2 05
Q3 05 Q4 05
Q1 06 Q2 06
Q3 06 Q4 06
Q1 07 Q2 07
Q3 07 Q4 07
Q1 08 Q2 08
Q3 08 Q4 08
Q1 09 Q2 09
Q3 09 Q4 09
Q1 10 Q2 10
Q3 10 Q410
Q111 Q211
Q311 Q411
Q112 Q212
Q312 Q412
Q113 Q213
Q313 Q413
Q114 Q214
Q314 Q414
Q115 Q215
Q315 Q415
Rp B
n V
a lu
e
Q u
ar te
rl y
N P
L St
o ck
I n
te re
st D
P D
- B
an k
O n
ly
17,456 24,962
24,193 26,248
26,424 25,665
25,414 17,960
17,180 16,500
13,603 10,654
6,558 6,510
6,586 7,833
9,678 7,700
6,099 4,505
3,589 3,668
3,985 3,929
4,301 4,261
4,983 4,805
4,927 4,643
4,644 4.496
4,812 4,863
5,006 4,965
5,294 5,351
5,266 5,598
6,077 7,283
5 ,0
1 ,0
1 5
,0 2
,0 2
5 ,0
3 ,0
Q1 05 Q2 05
Q3 05 Q4 05
Q1 06 Q2 06
Q3 06 Q4 06
Q1 07 Q2 07
Q3 07 Q4 07
Q1 08 Q2 08
Q3 08 Q4 08
Q1 09 Q2 09
Q3 09 Q4 09
Q1 10 Q2 10
Q3 10 Q410
Q111 Q211
Q311 Q411
Q112 Q212
Q312 Q412
Q113 Q213
Q313 Q413
Q114 Q214
Q314 Q414
Q115 Q215
Rp B
n V
a lu
e
E xc
lu d
in g
M ic
ro C
o n
su m
e r
Lo a
n s
O n
ly
1 2
3 4
5 6
7 C
u rr
e n
t 3
D ay
s O
D
77
1 9
,4 2
7 2
,9 1
4 2
,6 4
5 1
6 ,5
6 1
7 ,1
4 1
6 ,0
4 6
1 5
,2 7
1 1
6 ,2
7 8
1 5
,3 3
4 1
4 ,1
3 1
1 3
,6 4
6 1
3 ,5
4 6
1 3
,5 3
4 1
4 ,2
3 6
1 4
,1 7
1 3
,9 5
7 1
1 ,6
7 1
1 1
,6 8
9 1
1 ,9
4 5
1 2
,5 3
1 2
,4 3
6 1
2 ,4
3 6
1 1
,2 6
9 ,8
5 3
1 ,3
7 1
1 3
,0 9
2 ,0
6 8
2 4
,5 3
4 2
5 ,1
2 4
2 5
A d
d D
e d
u ct
2 6
A d
d D
e d
u ct
2 7
A d
d D
e d
u ct
2 8
A d
d D
e d
u ct
2 9
A d
d D
e d
u ct
Q 1
1 A
d d
D e
d u
ct Q
2 1
A d
d D
e d
u ct
Q 3
1 A
d d
D e
d u
ct Q
4 1
A d
d D
e d
u ct
Q 1
1 1
A d
d D
e d
u ct
Q 2
1 1
A d
d D
e d
u ct
Q 3
1 1
A d
d D
e d
u ct
Q 4
1 1
A d
d D
e d
u ct
Q 1
1 2
A d
d D
e d
u ct
Q 2
1 2
A d
d D
e d
u ct
Q 3
1 2
A d
d D
e d
u ct
Q 4
1 2
A d
d D
e d
u ct
Q 1
1 3
A d
d D
e d
u ct
Q 2
1 3
A d
d D
e d
u ct
Q 3
1 3
A d
d D
e d
u ct
Q 4
1 3
A d
d D
e d
u ct
Q 1
1 4
A d
d D
e d
u ct
Q 2
1 4
A d
d D
e d
u ct
Q 3
1 4
A d
d D
e d
u ct
Q 4
1 4
A d
d D
e d
u ct
Q 1
1 5
A d
d D
e d
u ct
Q 2
1 5
A d
d D
e d
u ct
Q 3
1 5
A d
d D
e d
u ct
Q 4
1 5
Others Write-Offs
Repayments Restructuring
Balance
IDR bn
Others includes partial payments, FX impacts, and fluctuation in Working Capital facilities
Loans by Restructuring Type in 4Q 2015
Maturity extension;
81.7
Maturity extension
wreduced rates; 0.2
Maturity extension
wother restrg;
16.7 LT loans
wconvert; 1.9
Additional loans; 0.1
Other Restructuring includes reduction of interest rates, rescheduling of unpaid interest extension of repayment period for unpaid interest
Restructured Loan Movement 2005 - 4Q2015
Rp billions Q2
Q3 Q
Q Q
Q Q
Loans Restructured
555 44
64 3,159
6,902 4,850
2,781 NPL
Collections 180
524 195
94 46
128 104
78
Business Services 9
Mi n
in g
3
Plantations Manufacturing
Business Services FB Manufacturing
Distribution Trading Chemical Manufacturing
Retail Trading Trading
Others Transportation
Constructions Oil Gas Mining
Metal Manufacturing Utilities
Mining
1 Non-consolidated numbers Each sector 3
Excluding Micro Consumer Loans Only
79
Mandiri Credit Card Delinquency Rates
75.60 87.50
62.63 62.02
59.10 61.34
49.60 46.43 45.90
56.62 69.65
69.95 81.62
93.39 87.89
95.84 105.82
104.78 98.85 100.19
106.07 111.79
137.08 129.94
130.32 128.46
143.26 152.42
178.54 216.81
288.20 329.13
313.89 295.88
32.6 40.8
37.1 45.7
57.3 53.5
63.0 65.6
65.5 63.8
61.5 59.2
64.9 66.5
67.7 82.8 79.9
84.6 88.4
93.0 110.7
138.1 177.3
212.6 212.9
6.9 8.8 13.9 14.5 17.6 16.9
24.4 23.6
36.0 25.5
13.1 12.5
15.0 15.4
17.9 19.7
23.9 23.4
28.1 29.3
29.5 28.4
29.4 30.2
35.8 35.9
38.2 43.1
59.2
4 Q
5 4
Q 6
1 Q
7 2
Q 7
3 Q
7 4
Q 7
1 Q
8 2
Q 8
3 Q
8 4
Q 8
1 Q
9 2
Q 9
3 Q
9 4
Q 9
1 Q
1 2
Q 1
3 Q
1 4
Q 1
1 Q
1 1
2 Q
1 1
3 Q
1 1
4 Q
1 1
1 Q
1 2
2 Q
1 2
3 Q
1 2
4 Q
1 2
1 Q
1 3
2 Q
1 3
3 Q
1 3
4 Q
1 3
1 Q
1 4
2 Q
1 4
3 Q
1 4
4 Q
1 4
1 Q
1 5
2 Q
1 5
3 Q
1 5
4 Q
1 5
NPLs 90+DPD Write-Offs
Recoveries
Quarterly Charge-offs, NPLs Recoveries Rp Bn
10.2 11.7
8.8
6.7 5.4
4.2 5.2
4.8 5.35.2
5.7 5.4
5.1 4.7
5.0 4.8
4.6 5.0
5.2 4.8
4.7 4.8
5.1 4.6
4.9 5.7
6.86.86.7 6.4
5.3 4.3
3.5 2.8
2.2 2.5
2.5 2.7 2.6
2.7 3.02.8
2.6 2.3
2.4 2.4
2.2 2.7
2.5 2.5
2.6 2.2
2.6 3.5
3.8 3.6
3.3 5.0
4.8 3.9
3.3 2.4
2.4 2.22.2 2.1
2.2 2.2
2.3 2.22.2
2.2 2.4
2.4 2.5
2.8 3.0
2.9 2.4
2.5 2.0
1.8 1.3 1.2 1.1 1.1 1.0
1.1 1.1 1.1
1.1 1.1
1.0 1.0
1.1 1.1 1.2
1.3 1.2
1.2 1.2
1.5 1.6
1.5
4 Q
5 4
Q 6
1 Q
7 2
Q 7
3 Q
7 4
Q 7
1 Q
8 2
Q 8
3 Q
8 4
Q 8
1 Q
9 2
Q 9
3 Q
9 4
Q 9
1 Q
1 2
Q 1
3 Q
1 4
Q 1
1 Q
1 1
2 Q
1 1
3 Q
1 1
4 Q
1 1
1 Q
1 2
2 Q
1 2
3 Q
1 2
4 Q
1 2
1 Q
1 3
2 Q
1 3
3 Q
1 3
4 Q
1 3
1 Q
1 4
2 Q
1 4
3 Q
1 4
4 Q
1 4
1 Q
1 5
2 Q
1 5
3 Q
1 5
4 Q
1 5
30 DPD - Rp 90 DPD - Rp
30 DPD - Cards 90 DPD - Cards
St a
ff in
g an
d D
is tr
ib u
ti o
n N
e tw
o rk
G ro
w th
22,909 25,236
25,706 26,327
27,305 27,907
28,183 28,153
28,518 30,762
30,830 31,721
32,905 33,982
34,089 34,442
34,475 34,696
34,954 35,010
35,503 35,498
2009 2010
1Q11 2Q11
3Q11 4Q11
1Q12 2Q12
3Q12 4Q12
1Q13 2Q13
3Q13 4Q13
1Q14 2Q14
3Q14 4Q14
1Q15 2Q15
3Q15 4Q15
1,095 1,370
1,381 1,442
1,526 1,537
1,548 1,643
1,733 1,810
1,811 1,835
1,909 2,050
2,061 2,087
2,154 2,312
2,317 2,327
2,380 2,457
2009 2010
1Q11 2Q11
3Q11 4Q11
1Q12 2Q12
3Q12 4Q12
1Q13 2Q13
3Q13 4Q13
1Q14 2Q14
3Q14 4Q14
1Q15 2Q15
3Q15 4Q15
E m
p lo
ye e
s
D o
m e
st ic
B ran
ch N
e tw
o rk
A T
M N
e tw
o rk
A T
M -L
in k
N e
tw o
rk
4,996 6,496
6,505 8,480
8,993 8,996
8,996 10,361
10,466 10,985
10,985 11,454
11,454 11,514
11,514 11,604
13,309 15,344
15,444 17,032
17,341 17,388
2009 2010
1Q11 2Q11
3Q11 4Q11
1Q12 2Q12
3Q12 4Q12
1Q13 2Q13
3Q13 4Q13
1Q14 2Q14
3Q14 4Q14
1Q15 2Q15
3Q15 4Q15
12,666 18,321
18,581 18,939
21,478 22,794
23,602 28,309
31,139 35,300
35,395 36,123
38,432 39,854
40,248 44,239
45,771 47,327
49,107 50,706
53,895 53,957
2009 2010
1Q11 2Q11
3Q11 4Q11
1Q12 2Q12
3Q12 4Q12
1Q13 2Q13
3Q13 4Q13
1Q14 2Q14
3Q14 4Q14
1Q15 2Q15
3Q15 4Q15
81
3 4
5
Current 31-60 Days
61-90 Days 90 Days
Mfg-Chem Trad-Distr
Mfg-RawM Trad-Ret
Trading Comm
Others Bus Serv
Mfg
RP
Export Invest
Program WC
Corp Comm
Small
10 20
30 40
50 60
70 80
90 100
Collect. Int. Aging
Sector Currency
Purpose Segment
Loan Profile: 4Q NPL Downgrades Only Rp 2,044 Bn Bank Only
Corporate, Commercial Small Business loans downgraded to NPL in
4Q totaled Rp 2,044 Bn. Of these loans:
73.0 were more than 90 days overdue on interest payments
64.0 came from our Commercial
Portfolio
Largest downgrades by sector:
Chemicals Manufacturing
Trading Distributions
Raw Materials Manufacturing
99.9 were IDR loans
82.4 were Working Capital loans, 16.1 were Investment Loans
Excluding Micro Consumer Loans Only
82
3 4
5
Current 61-90 Days
90 Days
Trad-Distr Trad-Ret
Mfg-PP Mfg-Chem
Mfg Mass Trans
Mfg-FB Mining-Coal
Electricity Mfg-RawM
Others Trading
Bus Serv Vehicles
FX RP
Consumer Export
Invest Syndication
WC
Corp Comm
Small
10 20
30 40
50 60
70 80
90 100
Collect. Int. Aging
Sector Currency
Purpose Segment
Loan Profile: 4Q Non-Performing Loans Only Rp 9,471 Bn Bank Only
14.3 remain current on interest
payments and an additional 5.4 are less than 90 days overdue
48.5 are to Commercial customers
64.1 are Working Capital loans and
24.7 are Investment loans
Primary sectors are:
Trading Distributions
Retail Trading
Pulp Paper Manufacturing
Chemicals Manufacturing
85.1 are Rp loans
16.5 are Cat. 3 14.5 are Cat. 4
Corporate, Commercial Small Business NPLs totaled Rp 9,471 Bn in 4Q.
Of these NPLs in 4Q:
Excluding Micro Consumer Loans Only
83
Corp Comm
Small
Current 1 Day
30 Days 31-60 Days
61+ Days
Trad-Ret Mfg-Text
Mfg-FB Trad-Distr
Electricity Mfg-Chem
Mass Trans Mfg-Oth
Bus Serv Others
Trading-Oth Mining
Constr
RP
Export Invest
WC Syndication
2000-2004 2004
10 20
30 40
50 60
70 80
90 100
Segment Days Aging
Sector Currency
Purpose Origin Year
Loan Profile: 4Q Downgrades to Cat 2 Only Rp 2,546 Bn Bank Only
Rp2,546 Bn in Corporate, Commercial Small Business loans were downgraded
to Category 2 in 4Q. Of the Special Mention Loans downgraded:
36.7 are to Small Business
customers 54.5 are for Commercial
19.6 are current 44.3 are less
than 30 days overdue in interest payments
Primary sectors downgraded are:
Retail Trading
Textile Manufacturing
Food Beverages
Manufacturing
Trading Distributions
100.0 are RP loans
71.4 are Working Capital loans
Excluding Micro Consumer Loans Only
84
corp comm
small
Current 1 Day
30 Days 31-60 Days
61- 90 Days
Mfg-Text Mfg-Chem
Trad-Distr Mass Trans
Mfg-Metal Trad-Ret
Others Mfg-FB
Mfg-PP Constr
Oil Gas Trading
Bus Serv
FX RP
Export Invest
Program WC
2000-2004 2004
10 20
30 40
50 60
70 80
90 100
Segment Days Aging
Sector Currency
Purpose Origin Year
Loan Profile: 4Q Category 2 Loans Only Rp 13,748 Bn Bank Only
Rp 13,748 Bn in Corporate, Commercial Small Business loans were in
Category 2 in 4Q. Of these Special Mention loans:
56.4 are to Commercial customers
55.5 are current or 1 day
overdue, with an additional 14.0 less than 30 days overdue
Primary sectors in Category 2 are:
Textile Manufacturing
Trading Distribution
Mass Transportation
73.8 are Rp loans
65.7 are Working Capital loans
72.7 were Category 2 in Q3 15
Excluding Micro Consumer Loans Only
85
1 2
Comm Corp
Small
Mfg-Chem Mfg-RawM
Trad-Ret Mfg-FB
Trading Mining-Coal
Others
FX RP
Invest Program
WC
2004 2000-2004
10 20
30 40
50 60
70 80
90 100
Collect. Segment
Sector Currency
Purpose Origin Year
Loan Profile: 4Q Upgrades to PL Rp 1,000 Bn Bank Only
Corporate, Commercial Small Business loans upgraded to PL in 4Q
totaled Rp 1,000 Bn. Of these loans:
77.1 were to Corporate customers
99.4 originated later than 2004
Largest upgrades by sector:
Chemical Manufacturing
Raw Material Manufacturing
Retail Trading
77.1 were Rp loans
68.9 were Working Capital loans;
30.9 were Investment loans
Excluding Micro Consumer Loans Only
86
1 2
Corp Comm
Small
Plantations Mfg
Bus Serv
Mfg-FB
Trad-Distr Mfg-Chem
Trad-Ret Trading-Oth
Others
Trans Mining-Oil
Gas Constr
Mining-Oth Electricity
Soc Serv
FX RP
Consumer Export
Invest Program
Syndication WC
2000-2004 2004
10 20
30 40
50 60
70 80
90 100
Collect. Segment
Sector Currency
Purpose Origin Year
Loan Profile: 4Q Performing Loans Only Rp 411,801 Bn Bank Only
Rp 411,801 Bn in Corporate Commercial Small Business loans were performing
in 4Q. Of these performing loans:
48.0 are to Corporate customers 37.9 are to Commercial customers
96.2 originated since 2005
Primary sectors are:
Plantations
Manufacturing
Business Services
79.0 are Rupiah loans
51.5 are Working Capital loans;
34.8 are Investment loans
Excluding Micro Consumer Loans Only
1 2
3 4
5
Current 30 Days
31-60 Days 61-90 Days
90 Days
Mfg-Chem Mfg
Mfg-Metal Mfg-Text
Mining-Coal Trad-Distr
Trans Trad-Imp
Others Mining
Trading Agri
FX RP
Export Invest
WC
Corp Comm
Small
10 20
30 40
50 60
70 80
90 100
Collect. Int Aging
Sector Currency
Purpose Segment
87
Loan Profile: 4Q Restructured Loans Only Rp26,379 Bn Bank Only
Of the remaining Rp 26,379 billion in restructured Corporate, Commercial
Small Business loans in 4Q :
86.9 are Performing
76.8 of Restructured Loans are
current in interest payments
Primary sectors are:
Chemical Manufacturing
Manufacturing
Textile Manufacturing
56.3 are Rp loans
49.5 are Working Capital loans
58.3 are to Commercial customers
10.5 deteriorated in collectability
Excluding Micro Consumer Loans Only
88
98.7 are performing loans, with
1.6 in Category 2
71.5 of Category 2 loans are
current in interest payments
Primary sectors in Corporate are:
Plantations
Food Beverages
Manufacturing
Mining
69.1 are Rupiah loans
42.4 are Investment loans; 39.0 are Working Capital loans
Loan Profile: 4Q Corporate Loans Only Rp 200,137 Bn Bank Only
Rp 200,137 billion in loans were in the Corporate portfolio in 4Q. Of the
Corporate Loans in 4Q :
1 2
5
Current 30 Days
Plantations Mfg-FB
Mining Bus Serv
Trading Others
Mfg-Chem Mfg
Electricity Constr
Mfg-Metal Comm
FX RP
Export Invest
Syndication WC
2000-2004 2004
10 20
30 40
50 60
70 80
90 100
Collect. Cat. 2 Int. Aging Sector Currency
Purpose Origin Year
89
1 2
5
Current 30 Days
31-60 Days
Mfg Trad-Distr
Plantations Mfg-Chem
Trading Others
Bus Serv Mfg-RawM
Mass Trans Mfg-FB
Constr Vehicles
Mining-Coal
FX RP
Consumer Export
Invest Syndication
WC
2000-2004 2004
10 20
30 40
50 60
70 80
90 100
Collect. Cat. 2 Int. Aging Sector Currency
Purpose Origin Year
97.1 are performing loans, with
4.8 in Category 2
58.0 of Category 2 loans are
current in interest payments
Primary sectors in Commercial are:
Manufacturing
Trading Distribution
Plantations
84.1 are Rupiah loans
60.4 are Working Capital
loans, 31.5 are Investment loans
Loan Profile: 4Q Commercial Loans Only Rp 160,681 Bn Bank Only
Rp160,681 Billion in loans were in the Commercial portfolio in 4Q. Of the
Commercial Loans in 4Q:
90
1 2
4 5
Current 30 Days
31-60 Days 61+ Days
Trad-Ret Trad-Distr
Plantations Household
Equip. Mfg
Bus Serv Trading
Constr Others
Soc Serv Trans
FX RP
Consumer Export
Invest Program
WC
2000-2004 2004
10 20
30 40
50 60
70 80
90 100
Collect. Cat. 2 Int. Aging Sector Currency
Purpose Origin Year
96.2 are performing loans, with
4.0 in Category 2
23.7 of Category 2 loans are
current in interest payments
Primary sectors in Small Business
are:
Retail Trading
Distribution Trading
Plantations
99.3 are Rupiah loans
70.9 are Working Capital loans
Loan Profile: 3Q Small Business Loans Only Rp 60,454 Bn Bank Only
Rp 60,454 Bn in loans were in the Small Business portfolio in 4Q of the Small
Business Loans in 4Q:
91
1 2
5
Current 30 Days
61+ Days
Plantations Mfg
Bus Serv Mfg-FB
Trad-Distr Trad-Ret
Oth Mfg-Chem
Constr Trans
Trading Utilities
Mining
Corp Comm
Small
Consumer Export
Invest Syndication
WC
2000 2000-2004
2004
10 20
30 40
50 60
70 80
90 100
Collect. Cat. 2 Int. Aging Sector Segment
Purpose Origin Year
97.6 are performing loans, with
3.0 in Category 2
50.8 of Category 2 loans are
current in interest payments
Primary sectors in Rupiah loans are:
Plantations
Manufacturing
Business Services
41.5 are Corporate loans
55.4 are Working Capital
loans, 33.9 Investment loans
Loan Profile: 4Q Rupiah Loans Only Rp 333,484 Bn Bank Only
Rp 333,484 billion in loans were Rupiah denominated in 4Q Of the Rupiah
Loans in 4Q:
Excluding Micro Consumer Loans Only
92
1 2
5
Current 30 Days
1 Day
Mining Oil Gas
Mfg Oth
Mfg-Chem Plantations
Mining
Trading
Mass Trans Trad-Exp
Bus Serv
Corp Comm
Small
Export Invest
Syndication WC
2000-2004 2004
10 20
30 40
50 60
70 80
90 100
Collect. Cat. 2 Int. Aging Sector Segment
Purpose Origin Year
98.4 are performing loans
68.7 of Category 2 loans are
current in interest payments
Primary sectors in FX loans are:
Mining
– Oil Gas
Manufacturing
70.5 are Corporate loans
37.2 are Investment loans; 37.7 are Working Capital loans
Loan Profile: 4Q FX Loans Only Rp 87,788 Bn Bank Only
Rp 87,788 Bn in loans were FX denominated in 4Q.
Of the FX Loans in 4Q:
Excluding Micro Consumer Loans Only
Lo an
g ro
w th
, Q
u al
it y
P ro
vi si
o n
in g
R e
lat iv
e t
o P
e e
rs
B an
k O
n ly
, A
s o
f Se
p te
m b
e r
2 1
5
285 160
153 140
116 111
93 85
48 33
BCA Mandiri
BRI BNI
CIMB Niaga Danamon
Panin Permata
BII BTN
R a
ti o
o f
P ro
vi si
o n
s to
N P
L
518,966 502,779
364,921 290,119
173,644 132,751
131,580 113,725
106,372 103,198
BRI Mandiri
BCA BNI
CIMB Niaga Permata
BTN Panin
Danamon BII
To tal
L o
an s
Rp b
n
19.0 14.3
11.8 11.3
10.3 8.3
