69
Government Bond Portfolio by Type and Maturity Rp 102,434 Bn
3 Q 16 Government Bond GainsLosses Rp Bn
Mark to Market impacts Profit Mark to Market impacts Equity
Nominal value
33.29 13.44
3.52 45.96
6.22
10 20
30 40
50 60
70 80
90
Trading AFS
HTM
Fixed Rate Variable Rate
Bonds by Rate Type Portfolio as of September Rp 102,434 Bn
Maturity Rp Bn
Trading Portfolio Available for Sale
Held to Maturity
Nominal MTM
Nominal MTM
Fixed Rate Bonds
1 year 150
151 7,892
7,968 319
1 - 5 year 686
725 20,982
22,418 4,909
5 - 10 year 1,175
1,225 11,180
12,054 718
10 year 1,394
1,423 3,175
3,518 275
Sub Total 3,405
3,524 43,229
45,958 6,221
Variable Rate Bonds
1 year -
- 10
10 12,297
1 - 5 year -
- 33,631
33,280 1,145
5 - 10 year -
- -
- -
10 year -
- -
- -
Sub Total -
- 33,641
33,289 13,442
T o t a l 3,405
3,524 76,870
79,247 19,663
Q 4
Q Q
Q Q
Realized GainsLosses
on Bonds
37.39 5.75 136.03 136.96 211.82
Unrealized GainsLosses on
Bonds
107.30 113.08 37.87 89.42
13.90
Total
69.91 118.83 98.16 226.38 225.72
70
Stated in Rp Millions
Series Interest
Rate Marked To
Market
- -
- -
- -
1 VR0021 25-Nov-15
- -
- -
2 VR0022 25-Mar-16
- -
- 3 VR0023
25-Oct-16 5.34
9,738 4,086,068
100.2440 -
9,762 4,086,068
4 VR0024 25-Feb-17
5.35 -
8,210,550 99.5800
- -
8,210,550 5 VR0025
25-Sep-17 5.60
65,402 1,145,148
99.2740 -
64,927 1,145,148
6 VR0026 25-Jan-18
5.34 1,379,267
- 99.2650
- 1,369,129
- 7 VR0027
25-Jul-18 5.34
2,005,267 -
99.1590 -
1,988,403 -
8 VR0028 25-Aug-18
5.35 3,571,695
- 99.0680
- 3,538,407
- 9 VR0029
25-Aug-19 5.35
3,856,688 -
98.9270 -
3,815,306 -
10 VR0030 25-Dec-19
5.60 7,019,765
- 98.8800
- 6,941,144
- 11 VR0031
25-Jul-20 5.34
16,333,108 -
98.9130 -
16,155,567 -
- 34,240,930
13,441,766 -
33,882,644 13,441,766
- 34,240,930
13,441,766 -
33,882,644 13,441,766
0.00 71.81
28.19 0.00
71.60 28.40
47,682,696 47,324,410
Sub Total No.
Maturity Date
Nominal Fair Value
Total Trading Port.
Total Available For Sale Port.
Total Held To Maturity Portfolio
Total Trading
Port. Total Available
For Sale Port. Total
Investment Port.
Fixed Rate Sub Total
Variable Rate
Total Fair Value Grand Total
Total Nominal Value
71
Moody s Mar h Fitch Rating August 2016
Outlook STABLE
Issuer Default Rating BBB-
Long Term Rating Baa3
National LT Rating AAAidn
Foreign LT Bank Deposits Baa3
National ST Rating F1+idn
Local LT Bank Deposits Baa3
Viability Rating bb+
Senior Unsecured Debt WR
Support Rating Floor BBB-
Bank Financial Strength D+
Foreign Currency ST Deposits P-3
Local Currency ST Deposits P-3
Pefindo June 2016 “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
72
Dividend Payment
Net Profit for the financial year of 2015 of Rp20,334,967,510,904.70 was distributed as follows:
• 30 or Rp6,100,490,253,271.41 for the annual dividend • Total Dividend Payment of Rp261.44958 per share
Schedule : a. Cum Date:
Regular and Negotiated Market: March 29, 2016
Cash Market: April 1, 2016
b. Ex Date: Regular and Negotiated Market:
March 30, 2016 Cash Market:
April 4, 2016 c. Recording Date:
April 1, 2016 d. Payment Date:
April 22, 2016 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
73
501 ,303
7,809 4,445
72 53
16,944 999
513 ,865
Beg. Bal. DG to 2 UG from 2
DG to NPL
UG from NPL
Net Disb. FX Impact End Bal.
Category 1 Loan Movements Rp Bn – Bank Only
Category 2 Loan Movements Rp Bn – Bank Only
25 ,205
7,809 4,445
2,572 621
797 25
25 ,796
Beg. Bal. Cat. 1
DG UG to 1
DG to NPL
NPL UG Net
Collection FX Impact End Bal.
74
Loan Profile: 3Q Collectability by Segment Bank Only
97.0 87.2
88.9 89.5
90.2 1.3
6.4 5.8
6.3 7.8
2.0 0.5
0.8 0.4
1.6 3.8
3.7 2.4
0.9
Corp Comm
Small Micro
Cons
5 4
3 2
1
205,919
141,871
53,142 41,757
71,175
2,763
10,429
3,481 2,949
6,173 3,283
3,358
6,147
2,226 1,126
748
25,000 50,000
75,000 100,000
125,000 150,000
175,000 200,000
Corp Comm
Small Micro
Cons Loan Profile: 3Q Collectability Rp bn by Segment
Bank Only
10 20
30 40
50 60
70 Cu
rr e
n t
30 D
ay s
OD
NPL Loan Det ai
l: Qua
rterl y
by Day
s Past Due
Q uar
ter ly
DG to
NP L
In ter
es t
DPD -
Ba nk
Only
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
3,884 6,554
1,640
2 ,000
4 ,000
6 ,000
8 ,000
10 ,000
12 ,000
Q105 Q205
Q305 Q405
Q106 Q206
Q306 Q406
Q107 Q207
Q307 Q407
Q108 Q208
Q308 Q408
Q109 Q209
Q309 Q409
Q110 Q210
Q310 Q410
Q111 Q211
Q311 Q411
Q112 Q212
Q312 Q412
Q113 Q213
Q313 Q413
Q114 Q214
Q314 Q414
Q115 Q215
Q315 Q415
Q116 Q216
Q316
R p
B n
Value
Quar ter
ly NPL
St ock
In ter
es t
DPD -
B an
k Only
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
9,273 9,471
11,725 17,124
5 ,000
10 ,000
15 ,000
20 ,000
25 ,000
30 ,000
Q105 Q205
Q305 Q405
Q106 Q206
Q306 Q406
Q107 Q207
Q307 Q407
Q108 Q208
Q308 Q408
Q109 Q209
Q309 Q409
Q110 Q210
Q310 Q410
Q111 Q211
Q311 Q411
Q112 Q212
Q312 Q412
Q113 Q213
Q313 Q413
Q114 Q214
Q314 Q414
Q115 Q215
Q315 Q415
Q116 Q216
R p
B n
Value
Ex cl
u d
in g
M icro
C o
n su
mer Lo
a n
s
10 20
30 40
50 60
70 Cu
rr e
n t
30 D
ay s
OD
76
19 ,427
20 ,914
20 ,645
16 ,560
17 ,104
16 ,046
14 ,131
13 ,508
11 ,671
12 ,437
11 ,207
9 ,854
10 ,372
13 ,010
20 ,068
24 ,526
26 ,379
25 ,548
31 ,000
35 ,846
2005 A
dd D
e du
ct 2006
A dd
D e
du ct
2007 A
dd D
e du
ct 2008
A dd
D e
du ct
2009 A
dd D
e du
ct 2010
A dd
D e
du ct
2011 A
dd D
e du
ct 2012
A dd
D e
du ct
2013 A
dd D
e du
ct Q
1 14
A dd
D e
du ct
Q 2
14 A
dd D
e du
ct Q
3 14
A dd
D e
du ct
Q 4
14 A
dd D
e du
ct Q
1 15
A dd
D e
du ct
Q 2
15 A
dd D
e du
ct Q
3 15
A dd
D e
du ct
Q 4
15 A
dd D
e du
ct Q
1 16
A dd
D e
du ct
Q 2
16 A
dd D
e du
ct Q
3 16
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 3Q 2016
Maturity extension;
96.9 Maturity
extension wreduced
rates; 0.4 Maturity
extension wother
restrg; 2.5
Other Restructuring includes reduction of interest rates, rescheduling of unpaid interest extension of repayment period for unpaid interest
Restructured Loan Movement 2005 - 3Q2016
Rp billions Q
Q Q
Q Q
Q Q
Loans Restructured
3,159 6,902
4,850 2,781
6,352 6,139
7,997 NPL
Collections 94
46 128
104 102
150 163
77
Reorganize SAM Group
Transfering Problem Loans
Resetting Risk Assessment
Criteria Increase
Monitoring Frequency
Intensify Cash Recovery
Key Areas Remarks
• Restructuring Unit • Recovery Unit
Focus on preventing increasing NPLs. To solve te po a p o le s i usi ess s a d take the
necessary steps for loan restructuring.
• Transfering Problem Loans
Transfering problem loans from business units to SAM group to be handled more effectively. We will
continue to review for more loans to transfer.
• Update Risk Assessment Criteria
Help to reset risk assessment criteria to support business units in improving the loan origination
process.
• Loan Monitoring • Early Warning
System • Incentives for Loan
Repayment • Auction Frequency
• Asset Marketing Unit
• Achieve higher cash recovery than last year • Accelerate loan repayment by writing off interest
and penalty • Identify targeted buyers for specific assets
Preventiative actions to improve asset quality by increasing standardized process and upgrading risk
tools
78
Plantations Manufacture
Business Services Distribution Trading
FoodBeverages Manufacture Chemicals Manufacture
Retail Trading Others
Trading Mining
Construction Transportation
Electricity
1 Non-consolidated numbers Each sector 3
Excluding Micro Consumer Loans Only
79
Mandiri Credit Card Delinquency Rates
75.60 87.50
61.34 45.90 69.95
81.62 87.89
95.84 105.82
104.78 101.83
100.19 106.07 111.79
137.08 129.94
130.32 143.26
152.42 178.54
288.20 329.13
313.89 295.88
312.32 295.04
292.91
32.6 37.4
44.5 59.2 66.5
67.7 82.880.5
79.9 84.6
88.4 93.0
110.7 138.1
177.3 212.6
197.8 189.5
180.0
6.9 13.8
30.9 28.2 38.8
13.1 15.0 17.9
23.9 28.1
29.3 29.5
28.4 29.4
30.2 35.8
35.9 38.2
43.1 59.2
58.2 70.3
69.6
4 Q
05 4
Q 06
4 Q
07 4
Q 08
4 Q
09 1
Q 10
2 Q
10 3
Q 10
4 Q
10 1
Q 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
2 Q
13 3
Q 13
4 Q
13 1
Q 14
2 Q
14 3
Q 14
4 Q
14 1
Q 15
2 Q
15 3
Q 15
4 Q
15 1
Q 16
2 Q
16 3
Q 16
NPLs 90+DPD Write-Offs
Recoveries
Quarterly Charge-offs, NPLs Recoveries Rp Bn
10.2 11.7
6.0 4.8
5.2 5.3 5.4 4.7 4.8
5.0 4.84.7
4.8 5.1
4.6 4.9
5.7 6.8
6.8 6.7
6.4 6.5
6.2 6.2
5.3
3.2 2.3
2.9 2.7
2.8 2.3 2.4 2.22.7
2.5 2.5 2.3
2.6 2.22.4
2.6 3.8
3.6 3.3
3.4 3.4
5.0 3.8
2.2 2.2 2.1
2.2 2.22.2
2.2 2.2 2.5
2.4 2.8
2.9 2.6
2.4 2.4
2.0 1.1 1.1 1.0 1.1 1.1 1.1
1.1 1.1 1.2 1.3 1.2
1.2 1.2
1.5 1.6 1.6
1.5 1.4
1.3
4 Q
05 4
Q 06
4 Q
07 4
Q 08
4 Q
09 1
Q 10
2 Q
10 3
Q 10
4 Q
10 1
Q 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
2 Q
13 3
Q 13
4 Q
13 1
Q 14
2 Q
14 3
Q 14
4 Q
14 1
Q 15
2 Q
15 3
Q 15
4 Q
15 1
Q 16
2 Q
16 3
Q 16
30 DPD - Rp 90 DPD - Rp
30 DPD - Cards 90 DPD - Cards
St a
ffi n
g and
Di stri
buti on
Ne tw
ork Gr o
wth
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
37,173 37,755
38,669
2009 2010
1Q11 2Q11
3Q11 4Q11
1Q12 2Q12
3Q12 4Q12
1Q13 2Q13
3Q13 4Q13
1Q14 2Q14
3Q14 4Q14
1Q15 2Q15
3Q15 4Q15
1Q16 2Q16
3Q16
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
2,460 2,472
2,505
2009 2010
1Q11 2Q11
3Q11 4Q11
1Q12 2Q12
3Q12 4Q12
1Q13 2Q13
3Q13 4Q13
1Q14 2Q14
3Q14 4Q14
1Q15 2Q15
3Q15 4Q15
1Q16 2Q16
3Q16
Em p
lo yee
s
Do m
es ti
c B
ran ch
N e
tw or
k A
TM N
e tw
or k
A TM
-Li n
k N
e tw
or k
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
17,452 17,461
17,461
2009 2010
1Q11 2Q11
3Q11 4Q11
1Q12 2Q12
3Q12 4Q12
1Q13 2Q13
3Q13 4Q13
1Q14 2Q14
3Q14 4Q14
1Q15 2Q15
3Q15 4Q15
1Q16 2Q16
3Q16
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
58,132 58,602
59,425
2009 2010
1Q11 2Q11
3Q11 4Q11
1Q12 2Q12
3Q12 4Q12
1Q13 2Q13
3Q13 4Q13
1Q14 2Q14
3Q14 4Q14
1Q15 2Q15
3Q15 4Q15
1Q16 2Q16
3Q16
81
3 4
5
Current 31-60 Days
61-90 Days 90 Days
Trad-Ret Trad-Distr
Agri Equip Mass Trans
Mfg-Metal Trading
Others Constr
Bus Serv Mfg
FX RP
Invest Program
WC
Commercial Small
Business
10 20
30 40
50 60
70 80
90 100
Collect. Int. Aging
Sector Currency
Purpose Segment
Loan Profile: 3Q NPL Downgrades Only Rp 1,640 Bn Bank Only
Corporate, Commercial Small Business loans downgraded to NPL in
3Q totaled Rp 1,640 Bn. Of these loans:
83.3 were more than 90 days overdue on interest payments
54.1 came from our Small Business
Portfolio
Largest downgrades by sector:
Retail Trading
Trading Distribution
Agriculture Equipment
95.9 were IDR loans
89.3 were Working Capital
loans, 10.4 were Investment Loans
Excluding Micro Consumer Loans Only
82
3 4
5
Current 30 Days
31-60 Days 61-90 Days
90 Days
Trad-Distr Mfg-Text
Mfg-FB Trad-Ret
Others Mass Trans
Mfg-PP Mfg-Chem
Mfg-RawM Oil Gas
Agri Bus Serv
FX RP
Consumer Export
Invest Syndication
WC
Corporate Commercial
Small Business
10 20
30 40
50 60
70 80
90 100
Collect. Int. Aging
Sector Currency
Purpose Segment
Loan Profile: 3Q Non-Performing Loans Only Rp 17,166 Bn Bank Only
18.8 remain current on interest
payments and an additional 6.8 are less than 90 days overdue
60.1 are to Commercial customers
63.7 are Working Capital loans and
27.1 are Investment loans
Primary sectors are:
Trading Distributions
Textile Manufacturing
Food Beverages
Manufacturing
83.6 are Rp loans
22.8 are Cat. 3 8.9 are Cat. 4
Corporate, Commercial Small Business NPLs totaled Rp 17,166 Bn in 3Q.
Of these NPLs in 3Q:
Excluding Micro Consumer Loans Only
83
Corporate Commercial
Small Business
Current 1 Day
30 Days 31-60 Days
61+ Days
Oil Gas Trad-Ret
Trad-Distr Mfg-RawM
Bus Serv Mfg
Mfg-Metal Mfg-FB
Others Trans
Soc Serv Trading
FX RP
Export Invest
Syndication WC
2000-2004 2004
10 20
30 40
50 60
70 80
90 100
Segment Days Aging
Sector Currency
Purpose Origin Year
Loan Profile: 3Q Downgrades to Cat. 2 Only Rp 4,865 Bn Bank Only
Rp4,865 Bn in Corporate, Commercial Small Business loans were downgraded
to Category 2 in 3Q. Of the Special Mention Loans downgraded:
61.6 are for Commercial 32.3
are to Small Business customers
42.3 are current 42.2 are less
than 30 days overdue in interest payments
Primary sectors downgraded are:
Oil Gas
Retail Trading
Trading Distribution
72.0 are RP loans
61.5 are Working Capital loans
Excluding Micro Consumer Loans Only
84
Corporate Commercial
Small Business
Current 1 Day
30 Days 31-60 Days
61- 90 Days
Trad-Distr Trad-Ret
Mfg-Metal Mfg-Chem
Mfg-RawM Others
Oil Gas Mass Trans
Mfg-FB Mfg-Text
Trading Bus Serv
Mfg Constr
FX RP
Export Invest
Syndication WC
2000-2004 2004
10 20
30 40
50 60
70 80
90 100
Segment Days Aging
Sector Currency
Purpose Origin Year
Loan Profile: 3Q Category 2 Loans Only Rp 16,673 Bn Bank Only
Rp 16,673 Bn in Corporate, Commercial Small Business loans were in
Category 2 in 3Q. Of these Special Mention loans:
62.5 are to Commercial customers
62.9 are current or 1 day
overdue, with an additional 21.6 less than 30 days overdue
Primary sectors in Category 2 are:
Trading Distribution
Retail Trading
Metal Manufacturing
79.3 are Rp loans
72.1 are Working Capital loans
66.5 were Category 2 in 2
Q 16
Excluding Micro Consumer Loans Only
85
1 2
Commercial Small
Business
Mfg Chemicals
Oil Gas Ports
Trad-Distr Trad-Ret
Others Constr
FX RP
Invest Program
WC 2004
10 20
30 40
50 60
70 80
90 100
Collect. Segment
Sector Currency
Purpose Origin Year
Loan Profile: 3Q Upgrades to PL Rp 557.0 Bn Bank Only
Corporate, Commercial Small Business loans upgraded to PL in 3Q
totaled Rp 557.0 Bn. Of these loans:
87.0 are to Commercial customers
All upgraded loans originated later than 2004
Largest upgrades by sector:
Chemichal Manufacturing
Oil Gas
Ports Construction
92.8 are Rp loans
88.8 are Working Capital loans;
11.2 were Investment loans
Excluding Micro Consumer Loans Only
86
1 2
Corporate Commercial
Small Business
Plantations Mfg
Bus Serv
Mfg-Chem
Mfg-FB Trad-Distr
Trad-Ret Oth
Trading
Mining Constr
Trans Electricity
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: 3Q Performing Loans Only Rp 417,604 Bn Bank Only
Rp 417,604 Bn in Corporate, Commercial Small Business loans were performing
in 3Q. Of these performing loans:
50.0 are to Corporate customers 36.5 are to Commercial customers
96.6 originated since 2005
Primary sectors are:
Plantations
Manufacturing
Business Services
82.1 are Rupiah loans
51.6 are Working Capital loans;
34.2 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 Trad-Distr
Trans Oth
Plantations Mfg-RawM
Mfg-Text Mining
Oil Gas Mfg-Metal
Mfg-PP Trad-Ret
Constr
Rp Fx
WC Invest
Syndication
Commercial Corporate
Small Business
10 20
30 40
50 60
70 80
90 100
Collect. Int Aging
Sector Currency
Purpose Segment
87
Loan Profile: 3Q Restructured Loans Only Rp35,846 Bn Bank Only
Of the remaining Rp 35,846 billion in restructured Corporate, Commercial
Small Business loans in 3Q :
77.0 are Performing
73.2 of Restructured Loans are
current in interest payments
Primary sectors are:
Chemical Manufacturing
Distribution Trading
Transportation
65.5 are Rp loans
67.9 are Investment loans
66.5 are to Commercial customers
Wholesale Loans Only
88
98.3 are performing loans, with
1.3 in Category 2
all Category 2 loans are current in
interest payments
Primary sectors in Corporate are:
Plantations
Food Beverages
Manufacturing
Manufacturing
74.6 are Rupiah loans
39.3 are Investment loans; 39.7 are Working Capital loans
Loan Profile: 3Q Corporate Loans Only Rp 212,372 Bn Bank Only
Rp 212,372 billion in loans were in the Corporate portfolio in 3Q. Of the
Corporate Loans in 3Q :
1 2
5
Current 61+ Days
Plantations Mfg-FB
Mfg Others
Mfg-Chem Electricity
Bus Serv Constr
Oil Gas Trading
Trad-Ret Real Estate
Trad-Exp Trans
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
3 4
5
Current 30 Days
31-60 Days 61+ Days
Trad-Distr Plantations
Mfg-Chem Bus Serv
Trading Others
Mfg-RawM Mfg
Mining Mass Trans
Mfg-FB Mfg-Metal
Constr Mfg-Text
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
93.7 are performing loans, with
6.4 in Category 2
64.5 of Category 2 loans are
current in interest payments
Primary sectors in Commercial are:
Trading Distribution
Plantations
Chemical Manufacturing
85.7 are Rupiah loans
61.2 are Working Capital
loans, 33.0 are Investment loans
Loan Profile: 3Q Commercial Loans Only Rp 162,613 Bn Bank Only
Rp162,613 Billion in loans were in the Commercial portfolio in 3Q. Of the
Commercial Loans in 3Q:
90
1 2
4 5
Current 30 Days
61+ Days
Trad-Ret Trad-Distr
Plantations Household
Equip. Mfg
Bus Serv Constr
Trad-Dom Soc Serv
Others Trans
Trading
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
94.7 are performing loans, with
5.8 in Category 2
28.0 of Category 2 loans are
current in interest payments
Primary sectors in Small Business
are:
Retail Trading
Distribution Trading
Plantations
99.4 are Rupiah loans
71.3 are Working Capital loans
Loan Profile: 3Q Small Business Loans Only Rp 59,785 Bn Bank Only
Rp 59,785 Bn in loans were in the Small Business portfolio in 3Q of the Small
Business Loans in 3Q:
91
1 2
3 5
Current 31-60 Days
61+ Days
Plantations Bus Serv
Mfg Trad-Distr
Mfg-FB Trad-Ret
Mfg-Chem Oth
Constr Trading
Electricity Trans
Mfg-RawM
Corporate Commercial
Small Business
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
96.0 are performing loans, with
3.7 in Category 2
58.5 of Category 2 loans are
current in interest payments
Primary sectors in Rupiah loans are:
Plantations
Business Services
Manufacturing
44.3 are Corporate loans
56.7 are Working Capital
loans, 32.8 Investment loans
Loan Profile: 3Q Rupiah Loans Only Rp 357,051 Bn Bank Only
Rp 357,051 billion in loans were Rupiah denominated in 3Q Of the Rupiah
Loans in 3Q:
Excluding Micro Consumer Loans Only
92
1 2
5
Current 30 Days
31-60 Days
Mfg Mining-Oil
Gas Trading
Oth Mfg-Chem
Mining
Plantations
Mass Trans Soc Serv
Bus Serv
Corporate Commercial
Small Business
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
96.4 are performing loans
79.0 of Category 2 loans are
current in interest payments
Primary sectors in FX loans are:
Manufacturing
Oil Gas Mining
Trading
69.5 are Corporate loans
38.8 are Investment loans; 31.1
are Working Capital loans
Loan Profile:3Q FX Loans Only Rp 77,720 Bn Bank Only
Rp 77,720 Bn in loans were FX denominated in 3Q.
Of the FX Loans in 3Q:
Excluding Micro Consumer Loans Only
Loan growth, Qual ity Prov
is ioni
n g
Rel ati
ve to Peers
Bank Onl y,
As of June
2016
193 151
143 120
116 101
98 98
55 41
BCA BRI
BNI Mandiri
CIMB Niaga Permata
Panin Danamon
Maybank BTN
R a
ti o
of P
rov isi
ons to NPL
590,705 546,952
387,088 338,123
169,670 149,316
122,135 119,274
106,964 98,476
BRI Mandiri
BCA BNI
CIMB Niaga BTN
Panin Permata
Maybank Danamon
Tot al
Loans Rp
bn
24.3 18.4
