13
Non-Loan Related Fees Commissions 9Mo 2010
H1-2011 9Mo 2011
Y-o-Y
Q3
Q-o-Q
Administration Fees 1,028
836 1,301
26.6 19.8
Opening LC, BG Cap Market custodian trustee
356 222
339 5.0
2.3
Subsidiaries 586
751 1,054
79.9 23.1
Transfer, Retail Transaction 510
402 636
24.6 0.8
Credit Cards 532
449 689
29.5 0.7
Mutual Fund, ORI Bancassurance 134
146 224
67.0 7.1
Syndications 44
94 153
na 31.2
Payroll Package 48
30 51
6.2 31.3
Others
558 138
140 74.9
98.1 Total
3,797 3,068
4,587 20.8
9.7 Total Operating Income
20,411 18,174
26,756 31.1
24.4 of Non Loan Related fees to total
operating income
18.60 16.88
17.15 66.95
27.4
Breakdown of Q3 2011 Non-Loan Related Fees Commissions Rp bn
1 ,0
1 6
9 9
3 7
6 9
1 ,0
3 4
9 1
6 1
,1 4
8 8
2 7
1 ,0
4 1
,1 1
1 ,3
8 4
1 ,0
5 1
1 ,2
6 5
1 ,4
5 9
1 ,6
8 2
1 ,5
2 4
1 ,8
8 2
1 ,8
5 8
8 6
9 1
,3 9
1 ,0
5 1
,1 5
8 1
,1 6
5 1
,1 9
7 1
,1 1
6 1
,3 9
1 ,0
1 9
1 ,3
2 8
1 ,3
6 1
,3 7
5 1
,4 8
5 1
,6 1
2 1
,5 4
7 1
,5 6
2 1
,6 7
1
Q 4
6 Q
4 7
Q 1
8 Q
2 8
Q 3
8 Q
4 8
Q 1
9 Q
2 9
Q 3
9 Q
4 9
Q 1
1 Q
2 1
Q 3
1 Q
4 1
Q 1
1 1
Q 2
1 1
Q 3
1 1
G A Expense Personnel Expense
83.3
54.3
41.1 40.6
35.1 39.3
39.0 42.7
32.4 37.3 39.0
CIR
14
Breakdown of Q3 2011 Operating Expenses Quarterly Consolidated Operating Expenses CIR
Excluding the impact of non-recurring interest income bond gains VSS costs moved to Employee-Related in GA in 2009
Training Cost booked on GA account
Q ’ Q ’
Q ’ Growth
QoQ YoY
9M YoY Personnel Expenses
Base Salary 452
459 471
2.6 4.0
9.0 Other Allowances
646 670
744 11.1
15.2 16.9
Post Empl. Benefits 121
50 59
18.2 51.4 45.9
Training 58
87 64
26.8 9.5
18.5 Subsidiaries
207 296
334 12.6
61.3 60.0
Total Personnel Expenses 1,485
1,562 1,671
7.0 12.6
15.9 GA Expenses
IT telecoms 170
185 187
0.9 10.0
0.1 Occupancy Related
335 444
409 7.9
22.0 23.9
Promo Sponsor 222
282 287
1.8 29.6
22.2 Transport Travel
84 102
100 1.8
19.3 18.6
Prof. Services 124
172 139
19.1 12.4
13.7 Employee Related
174 156
175 12.5
0.6 14.0
Subsidiaries 351
542 586
8.3 67.1
156.6
Total GA Expenses 1,459
1,882 1,883
0.1 29.1
41.4
4 2
.6 5
8 .1
7 2
.5 9
1 .9
1 8
.9 1
1 5
.9 1
1 2
.2 1
3 4
.0 1
7 2
.9 1
9 5
.8 2
4 2
.4 2
9 .0
1 3
.3 1
5 .4
1 7
.0 2
5 .5
2 7
.5 2
7 .4
2 8
.4 2
8 .3
2 7
.2 3
.5 3
5 .7
5 3
.2
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 RWA Rp tn
Total Capital Rp tn 31.3
26.4
23.4 27.7
25.3 23.2
24.6
20.8
15.7 13.4
16.0 CAR
308 1
,1 6
8 1
,5 4
9 1
,7 4
4 519 510
1 ,0
2 7
1 ,3
9 1
,4 2
,0 3
3 ,7
8 1
,3 602
690 1
,3 2
9
97 305 1
,1 1
3 1
,2 2
1 1
,5 2
6 2
,0 3
1 2
,5 4
3
967 1
,0 1
7 1
,5 2
8 1
,4 8
610 372 1
,0 4
1 ,3
4 5
1 ,6
9 3
2 ,3
5 2
2,850
645 799
819 775
623 1
,2 3
4 1
,1 6
6 1
,3 9
2 ,5
3 6
2 ,8
3 3
2 1
2 2
2 3
2 4
2 5
2 6
2 7
2 8
2 9
2 1
2 1
1 Q4 PAT
Q3 PAT Q2 PAT
Q1 PAT
15
IDR bn
Capital RWA Movement Profit After Tax ROE
21.5 26.2
23.6 22.8
2.5 10.0
15.8 18.1
22.1 22.7
RoE - AT
• CAR inclusive of Credit and Market Risk started in December 2004
• CAR inclusive of Credit, Market and Operational Risk started in January 2010
16
Strengthen leadership in wholesale transaction banking
Comprehensive financing
transaction solutions
Holistic relationship approach for leading Indonesian
institutions
Build 1 or 2 positions in key retail financing segments
Win in mortgage, personal
loan cards
Become a major player in micro-banking
Champion Syariah in
Indonesia
Be the retail deposit bank of choice
Win through differentiated
customer experience and targeted propositions
Deploy innovative payment
solutions
Wholesale Transactions, Retail Payments High Yield Loans
• Total Wholesales Fees Rp
1.7 Tn •
Total Wholesale Low Cost Deposits Rp 57.1 Tn
• Growth of Tx cash
management 211 •
Total Retail Fees of Rp 3.7 Tn
• Total Retail Low Cost Funds
Rp 147.3 Tn •
YoY increase in of e-channel Tx 31
• Total Retail Loans of
Rp 73.3 Tn •
Assets Spread Rp. 4.2 Tn •
28.3 of total loans
Pillar 1 Pillar 2
Pillar 3
Excluding collection extracomptable Rp 2,573bn
79.0 74.6
78.8 74.4
80 .4
7 5
.9 81.3
86.3 95.5
88 .2
93 .4
98.5 109.6
1 7
.3 112.7
120.4
5.1 6.2
5.1 6.1
6.8 6.9
7.4 8.1
9.3 10.2
11.0 11.0 11.7
11.9 11.5
4.4 4.4
5.1 5.3
6.8 5.6
6.1 8.0
9.4 8.2
8.8 9.1
11.1 10.5 11.9
12.2
1.1 1.4
1.4 1.8
1.7 2.3
2.5 2.4
2.7 2.7
2.7 3.3
45.8 44.4
42.0 5
.6 63.4
62.9 65.1
68.7 68.5
71 .8
70.6 68.7
70.5 69.0
68 .6
70 .8
4.8 5.0
5.1 5.4
7.7 7.4
7.4 7.5
6.8 6.0
5.7 5.8
5.8 5.3
5.2 5.2
54.00 56.00
58.00 60.00
62.00 64.00
66.00 68.00
20 40
60 80
100 120
140 160
180 200
220 240
Q4 7
Q1 8
Q2 8
Q3 8
Q 4
08 Q1
9 Q2
9 Q3
9 Q4
9 Q
1 10
Q 2
10 Q3
1 Q
4 1
Q 1
1 1
Q 2
1 1
Q 3
1 1
Rp Savings Deposits FX Savings Deposits
Rp Demand Deposits FX Demand Deposits
Rp Time Deposits FX Time Deposits
As of Total Deposits
17
Retail Deposit Analysis – Bank Only
3.00 2.53
2.75 3.76
3.41 3.32
3.09 2.46
2.42 4.70
3.60 3.00
3.32 2.49
2.64 2.15
2.20 2.18
9.90
6.90 6.29
7.41 9.26
8.70 7.17 6.50
6.91 6.356.53
10.41 8.20
9.24 10.85
9.09 7.37
6.6 6.41
6.33 6.26 6.26
5 10
15 Rp DD
Rp Savings Rp TD
1 Mo. SBIs
Average Quarterly Deposit Costs
2.20 2.43
1.45 1.79
1.12 0.91
0.15 0.14
0.13 4.20
2.64 2.80
3.85 3.32
1.94 0.32
0.46 0.72
2 4
Q 4
6 Q
4 7
Q 1
8 Q
2 08
Q 3
08 Q
4 8
Q 1
9 Q
2 9
Q 3
9 Q
4 9
Q 1
10 Q
2 1
Q 3
1 Q
4 1
Q 1
1 1
Q 2
1 1
Q 3
1 1
FX DD FX TD
18
Quarterly Transaction Volume Mn Quarterly Transaction Value Rp tn
Quarterly Users Mn
Inactive cards have been purged 99.8
110.1 122.9
142.0 141.9 148.1
157.3 168.1
183.9
42.1 40.6 42.3 38.6
41.7 36.0
5.6 10.1 7.9
11.6 15.0 15.4
21.3 23.1
3.4 5.5
8.3 16.5
26.6 31.8
41.9 49.7
54.6
25 50
75 100
125 150
175 200
Q 1
8 Q
2 8
Q 3
8 Q
4 8
Q 1
9 Q
2 9
Q 3
9 Q
4 9
Q 1
1 Q
2 1
Q 3
1 Q
4 1
Q 1
1 1
Q 2
1 1
Q 3
1 1
ATM Branch
SMS Banking Internet Banking
57.7 64.7
77.1 95.5
97.1 107.5
117.8 124.1
145.1
1.0 1.8
1.4 2.1
2.6 3.5
3.9 4.1 3.6
3.8 4.8
7.1 8.7
11.7 16.3
18.1
20 40
60 80
100 120
140
Q 1
8 Q
2 8
Q 3
8 Q
4 8
Q 1
9 Q
2 9
Q 3
9 Q
4 9
Q 1
1 Q
2 1
Q 3
1 Q
4 1
Q 1
1 1
Q 2
1 1
Q 3
1 1
ATM SMS Banking
Internet Banking 8.83
10.01
7.20 7.67
8.06 8.57
8.72 8.17
1.54 2.74
2.16 3.17
4.21 4.66
4.61 4.85
0.85 0.99 1.11
1.21 1.25 1.39 1.44
1.49
2 4
6 8
10
Q 1
8 Q
2 8
Q 3
8 Q
4 8
Q 1
9 Q
2 9
Q 3
9 Q
4 9
Q 1
1 Q
2 1
Q 3
1 Q
4 1
Q 1
1 1
Q 2
1 1
Q 3
1 1
Debit Cards SMS Banking
Internet Banking
19
Pre-Paid Card Volume 000s
148.8 225.0
259.0 291.0
313.0 376.0
458.0 487.1
516.7 597.2
626.8 649.3
672.4 688.3
98.0 111.0
135.0 154.0
167.0 183.0
184.5 204.0
236.8 264.1
295.0 334.3
351.9 367.5
34.0 35.0 36.0 37.9 39.4 43.0 45.3 47.6
47.6 47.7
47.7 47.7
48.1
O ct
-0 9
N o
v- 9
D e
c- 9
Jan -1
Fe b
-1 Ma
r- 1
A p
r- 1
Me i 1
Ju n
1 Ju
l 1 A
g t
1 Se
p t
1 O
ct 1
N o
v 1 D
e c1
Jan -1
1 Fe
b -1
1 Ma
r- 1
1 A
p r-
1 1
Ma y-
1 1
Ju n
-1 1
Ju l-1
1 A
u g
-1 1
Se p
-1 1
Indomaret e-Toll
Gaz
286.0 206.0
467.9
108.0 115.1
152.7 227.4
133.3 347.1
130.3 520.5
890.5 1,072.9
1,152.0
989.0 1,225.0
1,317.0 1,546.6
1,174.3 1,582.9
1,726.7 1,762.5
1,966.5 1,893.2
2,047.9
30.5 1.0 2.7 2.9 3.9 5.5
7.0 3.9
4.1 4.8 19.4
O ct
-0 9
N o
v- 9
D e
c- 9
Jan -1
Fe b
-1 M
ar -1
A p
r- 1
Me i-1
Ju n
-1 Ju
l-1 A
g t-
1 Se
p -1
O ct
-1 N
o v-
1 D
e c-
1 Jan
-1 1
Fe b
-1 1
Ma r-
1 1
A p
r- 1
1 Ma
y- 1
1 Ju
n -1
1 Ju
l-1 1
A u
g -1
1 Se
p t-
1 1
Indomaret e-Toll
Gaz
Pre-Paid Transaction Volume 000s Cash Management Users
745 2,414
4,066 6,153
7,784 8,561
9,514 10,428
2 6
2 7
2 8
2 9
2 1
Q 1
2 1
1 Q
2 2
1 1
Q 3
2 1
1
20
21
Value Chain Gas Station Volume Mandiri Business Saving
Account Tn Value Chain of Top 3 Telco
Relationships
8.02 13.13
22.65 27.46
2009 Q3 2010
Q2 2011 Q3 2011
246 648
747 830
1,511 2,589
2,745 3,011
- 500
1,000 1,500
2,000 2,500
3,000 3,500
4,000
50 50
150 250
350 450
550 650
750 850
Dec 09 Sep 10
Dec 10 Sep 11
Avg Bal Rp bn
Total SPBU unit
93 104
118 151
88 91
108 187
- 50
100 150
200 250
300
- 20
40 60
80 100
120 140
160 180
200
Dec 10 Mar 11
Jun 11 Sep 11
Avg Bal Rp bn
Total Authorized Dealer unit
109 YoY Growth
Rp Bn
28,641 36,259
7,618
Q3 2010 Growth
Q3 2011
YoY 26.60
Consumer Loans Rp Bn
20,509 27,610
7,101
Q3 2010 Growth
Q3 2011
YoY 34.62
Business Banking Credits Rp Bn
Micro Credit
6,505 9,455
2,950
Q3 2010 Growth
Q3 2011
YoY 45.35
5 5
,6 5
5 6
,6 7
6 6
3 ,3
2 3
6 6
,8 5
1 7
3 ,3
2 4
26.85 27.70
28.59 27.58
28.31
20.00 22.00
24.00 26.00
28.00 30.00
30,000 40,000
50,000 60,000
70,000 80,000
Q3 2010 Q4 2010
Q1 2011 Q2 2011
Q3 2011
Retail to Total Loan
Retail to Total Loan
Micro Credits Business Banking
Credits Consumer
Loans
22
23
1,522 3
,0 5
3 ,6
1 5
,3 8
2 6
,3 9
3 7
,1 9
9 7
,7 1
7 8
,0 5
2 8
,3 7
6 8
,8 1
4 9
,1 9
3 1
,0 1
7 1
,6 8
1 1
1 ,6
2 6
1 2
,5 9
3 1
3 ,5
1 4
,2 6
8 1
5 ,5
2 3
1 6
,4 6
6 2,852
4 ,1
3 1
3 ,6
6 6
3 ,4
3 7
3 ,6
1 2
3 ,7
2 3
,7 6
1 3
,7 2
1 3
,6 9
7 3
,7 4
3 ,6
9 9
3 ,7
5 3
3 ,8
2 2
3 ,8
9 3
,9 4
1 3
,9 5
7 3
,9 6
4 3
,9 7
9 3
,9 4
9
1 ,9
2 1
1 ,9
3 2
,2 8
5 3
,0 1
3 ,1
9 2
3 ,6
5 8
3 ,9
9 9
3 ,9
9 3
3 ,9
8 3
4 ,0
9 9
4 ,2
5 2
4 ,5
4 1
4 ,7
1 9
4 ,9
8 5
5 ,1
9 4
5 ,4
2 8
5 ,6
4 3
5 ,9
1 9
6 ,1
1 ,2
7 1
,3 6
7 1
,2 9
3 1
,9 8
1 ,9
2 6
2 ,0
8 2
,1 1
3 2
,2 2
3 2
,2 5
1 2
,4 5
2 2
,7 5
4 2
,9 8
9 2
,9 7
3 3
,2 3
9 3
,3 7
2 3
,5 8
9 3
,5 7
5 3
,7 6
1 3
,9 1
8 1
6 8
8 8
1 ,5
4 4
2 5
1 ,3
7 6
1 ,4
7 6
1 ,7
4 2
,2 1
7 2
,8 2
6 3
,4 5
4 3
,4 9
2 4
,2
4 7
5 9
8 2
2 4
5 2
9 4
5 2
5 6
3 5
6 4
5 7
2 6
1 5
6 9
1 9
1 5
1 ,0
6 3
1 ,2
1 4
1 ,3
2 5
1 ,3
9 3
1 ,4
5 4
1 ,5
8 3
1 ,6
3
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
Q 4
4 Q
4 5
Q 4
6 Q
4 7
Q 1
8 Q
2 8
Q 3
8 Q
4 8
Q 1
9 Q
2 9
Q 3
9 Q
4 9
Q 1
1 Q
2 1
Q 3
1 Q
4 1
Q 1
1 1
Q 2
1 1
Q 3
1 1
Other Auto
Cash Collateral Loans Credit Cards
Payroll Loans Home Equity Loans
Mortgages
Loan Type Growth
Y-o-Y Q-o-Q
Other 23.41
3.44 Auto Loans
89.39 20.27
Credit Cards 15.95
3.98 Payroll Loans
17.44 3.06
Home Equity Loans 0.20
-0.77 Mortgages
30.76 6.07
Total Consumer 26.60
5.85
Quarterly Consumer Loan Balances by Type Consumer Loan Growth by Type
Rp36.26 tn
Auto Motorcycle Loans channeled or executed through finance companies = Rp 6.2Tn in our Commercial Loan
Portfolio
24
375 566
852 966
1,146
587 302
398 341
425 606
694 1,306
1,369
Q 1
1 Q
2 1
Q 3
1 Q
4 1
Q 1
1 1
Q 2
1 1
Q 3
1 1
Non JF JF
Total Booking and the Breakdown for Joint Financing and Non JF
Breakdown of Financing
405 539
806 1,101
1,3701,364 1,245
309 306
351 372
350 422 342
61 79
118 99
118 109
84
Q 1
1 Q
2 1
Q 3
1 Q
4 1
Q 1
1 1
Q 2
1 1
Q 3
1 1
Motorcycle Used Car
New Car
Targets for 2011
1. To increase the amount of referral business
from Tunas
Ridean network.
2. To continue to add large non Tunas dealer alliances.
3. To increase
referrals from
branches to about 10 of car financing.
4. Cross sell
to Corporate
Commercial Banking to increase portfolio of fleet financing to 15
of new car fleet
5. Open 2 branches and 11 outlets with focus on 2 wheelers .
25
200 298
600 800
800 874
10 152
480 697
2008 2009
2010 9M 2011
Branch Unit
Kiosk
271 430
561 611
647
2008 2009
2010 H1 2011 9M
2011
Customers 000 Network
Of New Customers
73,566 79,500
76,325 94,855
74,037 110,000
121,007
Q1 10 Q2 10 Q3 10 Q4 10 Q1 11 Q2 11 Q3 11
1,347 1,646
1,645 2,195
1,826 2,522
2,791
Q1 10 Q2 10
Q3 10 Q4 10
Q1 11 Q2 11
Q3 11
Booking
26
Outstanding IDR Trillions
4.4 5.4
7.3 8.5
9.5
2.02 2.29
2.76 3.08
3.20
0.00 0.50
1.00 1.50
2.00 2.50
3.00 3.50
4.00
1 2
3 4
5 6
7 8
9 10
2008 2009
2010 H1 2011
9M 2011
Mandiri Microfinance Outstanding Mandiri Market Share
Booking Volume – Rp bn
16.5 16.5
17.3 16.9
17.9 17.7
17.1
Asset Spreads
27 Breakdown of Net Expansion in Corporate Lending
Q3 – Q3
Total Rp17.54 tn
Rp Billion
2,794 1,999
1,472 420
68 654
704 785
802 975
1,085 1,339
1,577 1,709
1,808 1,960
4,568 6,189
4 ,6
3 ,6
2 ,6
1 ,6
6 4
1 ,4
2 ,4
3 ,4
4 ,4
5 ,4
6 ,4
Mfg-FB Mfg-Oth
Trans Utility-Oth
Agri-Oth Soc Serv
Constr Mfg-Metal
Mining-Oth Mining-Oil Gas
Mfg-Feed Trad-Oth
Oth Trad-Distr
Trad-Exp Bus Serv
Plantations Electricity
187.4 31.4
28.2 157.2
101.8 346.6
45.8 417.0
9.9 96.4
44.9 19.0
115.2 3.1
-76.6 -15.6
-13.4 -15.8
Rp Billion
Breakdown of Net Expansion in Commercial Lending Q3 10
– Q3 11 Total Rp16.65 tn
93 31
150 487
516 518
812 890
989 1,026
1,053 1,058
1,156 1,223
1,377 1,401
2,006 2,108
2 ,8
2 ,2
1 ,6
1 ,0
4 2
8 1
,4 2
,0 2
,6
Real Estate Utility-Oth
Mining-Oth Agri-Oth
Others Trad-Oth
Constr Mfg-Oth
Trans Mfg-FB
Mfg-Metal Gas
Mfg-RawM Plantations
Trad-Distr Mining-Coal
Mfg-Chem Bus Serv - Oth
25.1 38.7
259.8 22.7
21.2 78.5
256.1 46.6
26.1 24.1
11.8 19.1
13.6 26.2
42.3 15.4
-15.2 -15.7
28
3 4
.8 3
3 6
.0 3
3 5
.2 6
3 8
.1 6
2 6
.5 3
.8 1
2 6
.3 7
2 7
.0 3
3 1
.3 7
2 9
.4 2
3 .7
5 1
.2 5
.5
.5 .2
.5 1
.5
Q 1
9 Q
2 9
Q 3
9 Q
4 9
Q 1
1 Q
2 1
Q 3
1 Q
4 1
Q 1
1 1
Q 2
1 1
Q 3
1 1
5 DD 5 DD
1 9
.0 2
2 .1
3 2
4 .5
4
Q309 Q310
Q311
Low Cost Fund of Commercial Rp tn
Low Cost Fund of Corporate Institutional Banking Rp tn
of Cash Management Trx 000 , total 5.6 mn transaction in 9M 2011
3 8
5 5
5 4
Average 3Q10 Average 3Q11
Exclude MTS
22 YoY Growth
44 YoY Growth
16.6 YoY Growth
29
6.80 8.25
8.43 8.41
2009 Sep 2010
Jun 2011 Sep 2011
Product Holding Commercial Product Holding Corporate
7.60 7.87
8.19 8.34
Dec 2009 Sep 2010
Jun 2011 Sep 2011
3 ,4
6 3
4 ,3
9 4
4 ,7
5 6
3 ,5
4 ,3
2 5
,1 6
9 8
,8 3
6 9
,1 7
5 9
,6 7
9 ,7
7 7
9 ,9
5 4
1 ,2
3 1
1 ,3
6 1
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4 1
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3 1
1 ,0
4 1
1 ,1
7 1
1 ,5
1 2
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1
Ja n
F e
b M
a r
A p
r M
a y
Ju n
Ju l
A g
t S
e p
t O
ct N
o v
D e
c Ja
n 1
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M ar
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1
319 1,275 1,389
1,609 1,821
2,085 2,283
2,558 3,202
4,067 4,324
4,878 5,665
Q4 06 Q408 Q1 09Q2 09Q3 09Q4 09Q1 10 Q2 10 Q3 10 Q4 10 Q1 11 Q2 11Q3 11 Rp Billion
Consumer Loans from Alliance Program 10 top corporate clients
Total Payroll in 2010-2011
Rp Billion
Co-Branding Prepaid Card Program
1,869 2,007 3,625 7,272
12,108 14,612 16,495
23,660 36,987
55,174 57,945
63,922 75,407
Q308 Q408 Q1 09 Q2 09 Q3 09 Q4 09 Q1 10 Q2 10 Q3 10 Q4 10 Q1 11 Q211 Q311
Corporate Card Holder from Alliance Program 10 top corporate clients
30
Including all payments to the employees
31
Total Assets Rp43.51 tn
Bond Trading Volume Rp33.2 tn
Total Assets Rp10.21 tn
Total Loans Rp627 bn
Total Financing Rp5.4tn
Total Financing Rp34.41 tn
Equity FI Underwriting Rp11.3 tn
Annual FYP Rp 2.331 bn
Net Interest Margin 11.30
Net Interest Margin 2.75
Total Deposits Rp38.29 tn
Equity Trading Volume Rp59.3 tn
Fee Contribution Rp292.3 bn
ROA 2.22
ROA Before Tax 2.67
ROE 24.77
ROE 4.7
ROE 83.30
ROE 10.83
ROE After Tax 16.34
• Remain the leader in syariah financing
• Capital injection program over 3 years
• Cross-sell 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
• Provide end-to-end bank assurance business
• Continue to build cross- sell opportunities in
various segments • Bank assurance products
complete our suite of consumer offerings
• Enhance operating model • Improve risk management
systems and IT • Improve productivity
•Use Ba k Ma di i s network and customer
throughout Indonesia to develop multi-finance
segment, especially in vehicle-ownership
financing.
Investment Banking Syariah Banking
Insurance Niche Banking
Bank Sinar Harapan Bali
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 s
89 90
156 145
171 183
237
1Q 10 2Q 10
3Q 10 4Q 10
1Q 11 2Q 11
3Q 11
N e
t P
ro fi
t A
ft e
r Ta
x i
n B
n
A n
n u
al F
ir st
Y e
ar P
re m
iu m
A F
Y P
i n
B n
O f
P o
li cy
h o
ld e
rs
403 599
549 673
820 742
769
1Q 10 2Q 10
3Q 10 4Q 10
1Q 11 2Q 11
3Q 11
4 Y
o Y
G ro
w th
710,481 810,604
891,227 972,494
961,096 1,030,407
1,051,801
1Q 10 2Q 10
3Q 10 4Q 10
1Q 11 2Q 11
3Q 11
1 8
Y o
Y G
ro w
th
5 2
Y o
Y G
ro w
th
15,350 12,655
16,202 10,983
8,334 12,912
16,966 15,148
14,058 13,451
13,502 15,412
16,332 15,895
18,148 17,506
17,417 17,479
17,498 15,758
13,516 12,922
2 ,0
4 ,0
6 ,0
8 ,0
1 ,0
1 2
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4 ,0
1 6
,0 1
8 ,0
2 ,0
Q4 00 Q4 01
Q4 02 Q4 03
Q4 04 Q4 05
Q4 06 Q4 07
Q1 08 Q2 08
Q3 08 Q4 08
Q1 09 Q2 09
Q3 09 Q4 09
Q1 10 Q2 10
Q3 10 Q4 10
Q111 Q211
2 -
Sp e
ci al
M e
n ti
o n
L o
a n
s Rp
B n
3 5
.7 26.2
24.8 15.0
9.4 12
.9 15.5
11.9 11.5
10 .0
9.2 9.7
9 .7
9.6 8.4
7 .2
6.1 5.3
4.6 1
Cat 2
N P
L Mo
ve m
e n
t -
C o
n so
lid a
te d
19.80 9.70
7.30 8.60
7.10 25.28
16.34 7.17
5.14 4.74
4.44 4.73
5.85 4.78
3.79 2.79
2.56 2.54
2.60 2.42
2.60 2.42
2.56
15.3 .5
6 .5
5
7 .0
1 4
6 .7
1 2
9 .5
1 9
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6 .1
2 1
9 .1
2 6
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7 5
.0 1
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5 5
.5
Q4 99 Q4 00
Q4 01 Q4 02
Q4 03 Q4 04
Q4 05 Q4 06
Q4 07 Q1 08
Q2 08 Q3 08
Q4 08 Q1 09
Q2 09 Q3 09
Q4 09 Q1 10
Q2 10 Q3 10
Q4 10 Q111
Q211 Q311
G ro
ss N
P L
Rat io
N e
t N
P L
Rat io
P ro
v N
P L
G ro
ss N
P Ls
2 .5
6 ,
c o
ve rag
e at
1 5
5 -
C at
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lo an
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t o
4 .6
C a
te go
ry 2
L o
an s
– B
an k
O n
ly
34
NPLs Rp tn
Q2
Rp tn NPLs
Corporate 2.77
0.71 2.51
Commercial 1.34
0.08 1.78
Small 0.87
0.09 3.15
Micro 0.49
0.07 5.15
Consumer 0.83
0.05 2.30
Total 6.30
0.84 2.39
Non-Performing Loans by Segment
Excluding Restructuring Losses and loans to other banks.
- 244.0
54.3
37.5 109.1
