Non-Loan Related Fees Commissions Q2-2013
Q1-2013 Q2-2012
Y-o-Y
Q-o-Q
Administration Fees
613 519
544 12.73
18.16
Opening LC, BG Cap Market custodian trustee
182 173
150 21.85
5.34
Subsidiaries
470 389
362 29.77
21.00
Transfer, Retail Transaction
309 286
259 19.65
8.39
Credit Cards
277 265
234 18.34
4.74
Mutual Fund, ORI Bancassurance
92 77
86 7.12
18.96
Syndications
28 13
72 60.91
119.09
Payroll Package
19 15
21 11.73
23.35
Others
113 124
109 4.25
9.31
Total
2,105 1,861
1,837 14.58
13.08
Foreign Exchange Gains
398 226
405 1.56
76.29
Gains Fr Sale Incr. in Value of Sec. Gov. Bonds
115 46
149 22.29
n.A
Cash Recoveries
658 904
661 0.34
27.12
Total Operating Income
11,647 11,338
10,248 13.66
2.74
of Non Loan Related fees to total opr. income
18.07 16.41
17.92 0.81
10.07
Breakdown of Q2 2013 Non-Loan Related Fees Commissions Rp bn
17
827 1,0
04 1,1
10 1
,384 1,0
51 1
,265 1,4
59 1
,682 1
,524 1
,510 1
,883 2
,107 1
,614 2
,004 2
,071 2,5
65 2
,034 2,3
22 1,1
16 1
,390 1,0
19 1
,328 1,3
06 1
,375 1
,485 1
,612 1
,547 1
,631 1
,671 1
,903 1
,865 1,9
39 1
,869 2,3
72 2,0
42 2
,336
Q1 09
Q 2
09 Q3
09 Q
4 09
Q 1
10 Q
2 10
Q 3
10 Q
4 10
Q 1
11 Q
2 11
Q 3
11 Q411
Q 1
12 Q212
Q312 Q
4 12
Q113 Q
2 13
GA Expenses Personnel Expenses
35.1 42.8
39.3 43.2
39.0 38.4
38.1 45.1
32.4 37.3
39.0 41.6
44.0 43.2
42.7 51.3
41.1 43.1
CIR
Breakdown of Q2 2013 Operating Expenses Quarterly Consolidated Operating Expenses CIR
Q ’ Q
Q
Growth QoQ
YoY Personnel Expenses
Base Salary 613
529 530
15.9 15.7
Other Allowances 1,100
948 903
16.0 21.8
Post Empl. Benefits 46
80 53
42.5 13.2
Training 89
64 94
39.1 5.3
Subsidiaries 488
421 359
15.9 35.9
Total Personnel Expenses 2,336
2,042 1,939
14.4 20.5
GA Expenses
IT telecoms 284
276 242
2.9 17.4
Occupancy Related 506
412 428
22.8 18.2
Promo Sponsor 228
202 265
12.9 14.0
Transport Travel 133
116 119
14.7 11.8
Goods, Prof. Services Oth. 282
264 248
6.8 13.7
Employee Related 375
289 270
29.8 38.9
Subsidiaries 514
474 433
8.4 18.7
Total GA Expenses 2,322
2,034 2,004
14.2 15.9
Other Expenses 409
566 545
27.7 25.0
Total Operating Expenses 5,067
4,642 4,489
9.2 12.9
18
Breakdown of Net Expansion in Corporate Lending Q2 13
– Q2 12 Total Rp26.77 tn
Rp Billion
2,895 583
970 1,031
1,163 1,284
1,378 1,722
1,976 2,683
3,105 3,738
10,038
Others Trad-Distr
Roads Bridge Bus-Serv Oth
Mfg-Chem Trad-Ret
Real Estate Constr-Oth
Mining-Metal Ore Electricity
Comm Mining-Oil Gas
Plantations
37.49
13.96 11.60
10.02 7.38
6.43 5.15
4.80 4.34
3.85 3.62
2.18 -10.81
Rp Billion
Breakdown of Net Expansion in Commercial Lending Q
– Q Total Rp14.34 tn
1,923 1,400
351 403
544 629
633 673
922 981
1,885 2,235
2,437 2,917
3,050
Plantations Others
Mfg-Wood Trad-Ret
Trad-Dom Mining-Coal
Mfg-FB Trad-Imp
Mfg-Metal Mining-Oil Gas
Trad-Distr Mfg-Chem
Mass Trans Mfg-RawM
Bus Serv
21.27
20.34 17.00
15.58 13.15
6.84 6.43
4.69 4.42
4.39 3.79
2.81 2.45
-9.76 -13.41
19
Under the old segmentation the net expansion in Plantation is Rp6,641bn
Under the old segmentation the net expansion in Plantation is Rp1,474bn
745 2,414
4,066 6,153
7,784 10,943
11,899 12,112
12,366
2006 2007
2008 2009
2010 2011
2012 Q1
2013 H
1 2013
Cash Management Users Wholesale CASA Deposits
58 ,055
62 ,25
7 61
,691 53
,60 4
74 ,116
89 ,959
67 ,209
89 ,775
- 10,000
20,000 30,000
40,000 50,000
60,000 70,000
80,000 90,000
100,000
2007 2008
2009 2010
2011 2012
H 1 2012
H 1 2013
Total CASA IDR Billion
248 479
716 685
677 771
1,1 30
1 ,175
1,1 78
1 ,676
2,1 48
4 Q
10 1Q
11 2
Q 11
3 Q
11 4
Q 11
1 Q
12 2
Q 12
3 Q
12 4
Q 12
1 Q
13 2Q
13
Average of Cash Management Tx 000, total 11.5 Mn transaction in
2013
Exclude Mandiri Transaction System
20
90.1 YoY Growth
33.6 YoY Growth
Mandiri Cash Management Forex
431 685
956 1
,4 5
6 479
563
7,266 18,803
29,774 43,433
5,028 6,443
- 5,000
10,000 15,000
20,000 25,000
30,000 35,000
40,000 45,000
50,000
- 200.0
400.0 600.0
800.0 1,000.0
1,200.0 1,400.0
1,600.0 1,800.0
2,000.0
Dec 09 Dec 10
Dec 11 Dec 12
Q1 13 Q2 13
Value IDR Trillion of Trx 000
Excludes Mandiri Transaction System
24 34
42 63
13 16
240,806 281,153
310,512 322,795
111,728 127,323
- 50,000
100,000 150,000
200,000 250,000
300,000 350,000
- 10.0
20.0 30.0
40.0 50.0
60.0 70.0
Dec 09 Dec 10
Dec 11 Dec 12
Q1 13 Q2 13
Value USD Billion of Trx
Wholesale Remittance Trade Transaction : Export, Import, Domestic
59 70
94 121
38 34
396,814 435,866 448,219
599,909
169,480 171,233
- 100,000
200,000 300,000
400,000 500,000
600,000 700,000
- 20.0
40.0 60.0
80.0 100.0
120.0 140.0
Dec 09 Dec 10
Dec 11 Dec 12
Q1 13 Q2 13
Value USD Million of Trx
85 85
110 125
31 34
454,120 495,813
510,916 517,251
130,571 138,753
- 100,000
200,000 300,000
400,000 500,000
600,000
- 20.0
40.0 60.0
80.0 100.0
120.0 140.0
Dec 09 Dec 10
Dec 11 Dec 12
Q1 13 Q2 13
Value USD Billion of Trx
21
Exclude Mandiri Transaction System
75 .9
81 .3
86 .3
95.5 88
.2 93
.4 98.5
109.6 107
.3 112
.7 12
0.4 134
.0 132
.7 140
.6 146
.1 165.0
157 .5
166 .8
6.8 6.9
7.4 8.1
9.3 10.2
11.0 11.0 11.7
11.9 11.5
11.3 12.7 12.8
13.0 13.7
14.7 15.6
5.6 6.1
8.0 9.4
8.2 8.8
9.1 11.1 10.5
11.9 12.2
15.7 14.6 15.4
16.1 18.6
17.0 16.7
2.3 2.5 2.4
2.7 2.7 2.7
3.3 3.2 3.5
3.5 4.1
4.2 4.3
4.3
62.9 65.1
68.7 68.5
71.8 70.6
68.7 70.5 69.0
68.6 70.8
73.1 71.6 70.3
71.5 71.4
72.1 70.7
7.4 7.4
7.5 6.8 6.0 5.7
5.8 5.8 5.3
5.2 5.2
5.3 5.0 5.0
5.1 5.0
4.7 4.6
20 40
60 80
100 120
140 160
180 200
220 240
260 280
Q 1
09 Q
2 09
Q 3
09 Q
4 09
Q 1
10 Q
2 10
Q 3
10 Q
4 10
Q 1
11 Q
2 11
Q 3
11 Q
4 11
Q 1
12 Q
2 12
Q 3
12 Q
4 12
Q 1
13 Q
2 13
Rp Savings Deposits FX Savings Deposits
Rp Demand Deposits FX Demand Deposits
Rp Time Deposits FX Time Deposits
Retail Deposit Analysis – Bank Only
4.2 3.5
3.5 3.1
2.5 2.3
2.2 2.0 1.9
2.2 1.8 2.8
2.5 2.6
2.1 2.2
2.4 2.1
1.5 1.6 1.5
9.5 8.7
7.2 6.5 6.5
6.7 6.5
6.5 5.7
5.0 4.9
4.9 5.0
5 10
15 Rp DD
Rp Savings Rp TD
Average Quarterly Deposit Costs
1.1 0.9
0.6 0.1 0.2
0.1 0.2
0.3 0.3 0.3
3.9 3.3
3.0 1.9
1.0 0.5 0.5 0.4
0.8 0.8 0.7 0.6 0.5 0.6
2 4
Q1 09
Q 2
09 Q
3 09
Q 4
09 Q1
10 Q
2 10
Q 3
10 Q4
10 Q1
11 Q
2 11
Q 3
11 Q4
11 Q
1 12
Q 2
12 Q
3 12
Q 4
12 Q1
13 Q
2 13
FX DD FX TD
62.5 62.3
64.7 63.4
63.8 66.1
63.3 63.8
66.1 63.8
66.5 69.6 70.1
71.6 73.0
CASA as of total deposits
22
72.5
Quarterly Transaction Volume Mn Quarterly Transaction Value Rp tn
Quarterly Users Mn
Inactive cards have been purged 122.9
142.0 141.9
148.1 168.1
186.2 189.4
204.0 212.3
226.6 218.1
222.3
42.3 38.6 41.7 40.8
43.0 40.7 44.7 44.1
40.8 45.3
7.9 11.6 15.0 15.4 21.3
25.4 26.2
27.3 34.5
30.8 33.0
8.3 16.5
26.6 31.8
49.7 68.5
77.8 84.7
85.3 66.7
66.8 76.7
25 50
75 100
125 150
175 200
225 250
Q 1
09 Q2
9 Q
3 09
Q 4
09 Q1
1 Q
2 10
Q 3
10 Q4
1 Q
1 11
Q 2
11 Q3
11 Q
4 11
Q 1
12 Q
2 12
Q3 1
2 Q
4 12
Q 1
13 Q2
1 3
ATM Branch
SMS Banking Internet Banking
77.1 95.5
97.1 107.5
130.8 147.7
153.8 159.9
170.0 177.3
179.3 184.1
1.4 2.1 2.6 2.9
5.0 8.8
5.5 5.5
8.3 9.2
4.8 7.1 8.7
11.7 16.3
21.5 23.5
25.6 26.8
28.7 29.4
32.2
20 40
60 80
100 120
140 160
180 200
Q 1
09 Q
2 09
Q3 9
Q 4
09 Q
1 10
Q2 1
Q 3
10 Q
4 10
Q 1
11 Q2
1 1
Q 3
11 Q
4 11
Q1 1
2 Q
2 12
Q 3
12 Q4
1 2
Q 1
13 Q
2 13
ATM SMS Banking
Internet Banking
9.95
7.20 7.67
8.06 8.35
8.72 8.17
8.96 9.24 9.65
9.99 10.16
10.57 10.89
2.16 3.17
4.21 4.61 4.61
5.08 5.29
5.47 5.63
5.74 5.80
5.97
1.11 1.21 0.92 1.01 1.03
1.16 1.21
1.26 1.31
1.36 1.39
1.46
2 4
6 8
10 12
Q 1
09 Q2
9 Q
3 09
Q 4
09 Q1
1 Q
2 10
Q 3
10 Q
4 10
Q 1
11 Q
2 11
Q3 1
1 Q
4 11
Q1 1
2 Q
2 12
Q 3
12 Q4
1 2
Q 1
13 Q2
13
Debit Cards SMS Banking
Internet Banking
23
Volume Mandiri Business Saving Account Tn
3.5 4.8 8.0
17.7 34.7
59.4
40.8 65.8
2007 2008 2009 2010 2011 2012 H1
2012 H1
2013
Fee Income from e-channel Tx Bn
24
23,690 27,611 33,732
47,127 92,903
180,532 194,297
205,325
2007 2008 2009 2010 2011 2012 Q1 2013
Q2 2013
Numbers of EDC
61.3 YoY
Growth
52.1 89.4 126.2
200.3 258.2
315.2 347.6 65.5
98.5 166.6
196.5 285.7
318.6 382.0
81.9 110.5
194.5 249.3
313.9 361.8
89.0 117.8
223.7 268.5
312.8 464.4
2007 2008 2009 2010 2011 2012 2013
Q4 Q3
Q2 Q1
15.1 YoY
Growth
Rp Bn
43,304 52,433
9,129
H1 2012 Growth
H1 2013
YoY 21.1
Consumer Finance Rp Bn
33,103 42,473
9,370
H1 2012 Growth
H1 2013
YoY 28.3
Business Banking Rp Bn
Micro Credit
15,097 23,862
8,765
H1 2012 Growth
H1 2013
YoY 58.1
6 ,6
7 6
63 ,323
66 ,851
73 ,324
81 ,046
84 ,675
9 1
,5 4
96 ,268
105 ,192
1 8
,4 3
4
118 ,768
27.7 28.6
27.6 28.3
29.6 29.6
29.8 30.2
30.9 31.8
31.7
20.00 22.00
24.00 26.00
28.00 30.00
32.00
30,000 40,000
50,000 60,000
70,000 80,000
90,000 100,000
110,000 120,000
130,000
Q 4 2010
Q1 20 11
Q 2 2011
Q 3 2011
Q4 20 11
Q1 20 12
Q 2 2012
Q 3 2012
Q4 20 12
Q 1 2013
Q 2 2013
Retail to Total Loans
Retail to Total Loans
Micro Credit Business Banking
Consumer Finance
25
200 300
502 502
503 600
800 800
878 928 928 983
10 152
480 710
760 760 749
2008 2009 2010 2011 2012 Q1
2013 Q2
2013
Branch Unit
Kiosk
271 430
562 694
815 844
879
2008 2009 2010 2011 2012 Q1 2013
Q2 2013
Customers 000 Network
Of New Customers
73 ,566
79 ,500
76 ,32
5 9
4 ,8
5 5
74 ,037
110 ,000
121 ,007
146 ,359
12 6,5
09 14
0,0 64
131 ,715
147 ,825
138 ,747
160 ,620
Q1 10
Q2 10
Q3 10
Q4 10
Q1 11
Q2 11
Q3 11
Q4 11
Q1 12
Q2 12
Q3 12
Q4 12
Q1 13
Q2 13
26
13 ,500
14 ,268
15 ,523
16,466 17
,779 18,764
20 ,113
20 ,919
22 ,818
24 ,092
26,135 3,957
3 ,964
3 ,979
3 ,949
3,887 3
,777 3
,679 3
,571 3,471
3 ,365
3,312
6 ,374
6 ,398
6 ,708
6 ,861
6,995 7,143
7 ,412
7 ,753
8 ,206
8,386 8
,958
3,589 3,575
3,761 3,910
4,296 4,245
4,492 4,590
5,035 5,025
5,195
2,826 3,454
3,492 4,200
5,115 5,829
6,593 6,609
7,209 7,486
7,905
447 698 791
873 928
964 1,016
1,037 1,010
966 927
2,500 5,000
7,500 10,000
12,500 15,000
17,500 20,000
22,500 25,000
27,500 30,000
32,500 35,000
37,500 40,000
42,500 45,000
47,500 50,000
52,500 55,000
Q 4
10 Q
1 1
1 Q
2 1
1 Q
3 11
Q 4
11 Q
1 12
Q 2
1 2
Q 3
12 Q
4 12
Q 1
13 Q
2 1
3 Other
Auto Credit Cards
Payroll Loans Home Equity Loans
Mortgages
Loan Type Growth
Y-o-Y Q-o-Q
Other 8.76
4.05 Auto Loans
19.91 5.60
Credit Cards 15.66
3.39 Payroll Loans
20.87 6.82
Home Equity Loans 9.97
1.57 Mortgages
29.94 8.48
Total Consumer 21.08
6.31
Quarterly Consumer Loan Balances by Type Consumer Loan Growth by Type
Rp52.4 tn
Auto Motorcycle Loans channeled or executed through finance companies = Rp 8.91Tn in our Commercial Loan
Portfolio
27
12,655 16,202
11,216 8,599
13,442 17,501
15,909 15,918
17,255 17,124
19,559 18,838
18,886 18,824
19,054 16,924
14,846 14,292
13,336 12,986
13,944 13,606
15,676 14,856
15,626 16,989
24 .8
9 .1
14 .9
9.1 10
