Ex ‐Recap Bond Portfolio, 31 March‘11 – Bank Only
Series Interest
Rate Marked To
M k t
Fair Value Nominal
Total Available Total
I t
t Maturity
Date No.
Total Trading Total Available For Total Held To
Total T
di Rate
Market
1 FR0020 15-Dec-13
14.28 291
100.000 -
- 291
- -
291 -
- 291
Fixed Rate
Variable Rate Sub Total
For Sale Port. Investment
Port. Date
Port. Sale Port.
Maturity Portfolio Trading
Port.
1 VR0019 25-Dec-14
6.37 3,770,000
1,114,300 100.500
- 3,788,850
1,114,300 2 VR0020
25-Apr-15 6.37
- 391,029
100.000 -
- 391,029
3 VR0021 25-Nov-15
6.37 100,000
690 100.250
- 100,250
690 4 VR0022
25-Mar-16 6.37
92,844 6,796,813
100.990 -
93,763 6,796,813
5 VR0023 25-Oct-16
6.37 9,738
4,086,068 99.950
- 9,733
4,086,068 6 VR0024
25-Feb-17 6.37
8,210,550 100.000
- -
8,210,550 7 VR0025
25-Sep-17 6 37
3 765 402 1 145 148
98 691 -
3 716 113 1 145 148
7 VR0025 25-Sep-17
6.37 3,765,402
1,145,148 98.691
- 3,716,113
1,145,148 8 VR0026
25-Jan-18 6.37
3,475,267 -
100.100 -
3,478,742 -
9 VR0027 25-Jul-18
6.37 3,475,267
- 98.737
- 3,431,374
- 10 VR0028
25-Aug-18 6.37
5,171,695 -
101.000 -
5,223,412 -
11 VR0029 25-Aug-19
6.37 8,819,688
- 98.613
- 8,697,359
- 12 VR0030
25-Dec-19 6.37
8,016,765 -
98.545 -
7,900,121 -
13 VR0031 25-Jul-20
6.37 17,614,108
- 99.850
- 17,587,687
- -
54,310,774 21,744,598
- 54,027,405
21,744,598 -
54,310,774 21,744,889
- 54,027,405
21,744,889 0.00
71.41 28.59
0.00 71.30
28.70 76,055,663
75,772,294 Total Nominal Value
Sub Total Grand Total
Total Fair Value
53 Stated
in Rp Millions
Bank Mandiri Credit Ratings
Moody’s Fitch
Outlook STABLE
Outlook POS
Long Term Rating
Ba2 LT
FC Issuer Default BB+
Foreign LT Bank Deposits
Ba2 LT
LC Issuer Default BB+
Local LT Bank Deposits
Baa3 Subordinated
Debt BB
‐ Senior
Unsecured Debt WR
ST Issuer Default Rating
B Bank
Financial Strength D
Individual Rating
CD Foreign
Curency ST Debt NP
Support Rating
3 Local
Cuurency ST Debt P
‐3
Standard Poor’s
Pefindo
Outlook POS
Pefindo
Outlook POS
Outlook STABLE
LT Foreign Issuer Credit
BB+ LT
General Obligation idAAA
LT Local Issuer Credit
BB+ ST F
i I
C di B
54
ST Foreign Issuer Credit
B ST
Local Issuer Credit B
Corporate Actions
Net Profit for the financial year of 2009 of Rp7,155,463,216,743.00
was distributed as follows:
• 35,
or Rp2,504,412,132,860.05, for the annual dividend T t l Di id
d P t f R 119 43
h •
Total Dividend Payment of Rp119.43 per share
• Interim
dividend of Rp19.26 paid on 22 December 2009 Schedule
: a.
Cum Date: R
l d N
ti t d M k t J
9 2010
Dividend Payment
Dividend Payment
Regular and Negotiated Market:
June 9, 2010
Cash Market:
June 14, 2010
b. Ex Date:
Regular and Negotiated Market:
June 10, 2010
C h M k t J
15 2010 Cash
Market: June
15, 2010 c.
Payment Date: June
28 2010
Net Profit for the financial year of 2008 of Rp5,312,821,488,698.00
was distributed as follows was
distributed as follows: •
35, or Rp1,859,487,521,044.30, for the annual dividend
• Total
Dividend Payment of Rp88.55 per share
55
Q1 2011 Movement in Category 1 and 2 Loans
Category 1 Loan Movements Rp bn – Bank Only
Category 2 Loan Movements Rp bn – Bank Only
3,472 3,568 1
22 5,115
1,071
1 9
8 2
2 3,472 3,568
1,633 499
843 169
8 ,3
5 5
2 ,5
1 7
1 5
,7 5
8 1
3 ,5
1 6
56
Beg. Bal. DG to 2 UG from
2 DG
to NPL
UG from
NPL Net
Disburs. FX
Impact End Bal. Beg.
Bal. Cat. 1 DG
UG to 1 DG to
NPL NPL
UG Net
Disburs. FX
Impact End Bal.
Q1 2011 Loan Detail: Collectibility by Segment
Loan Profile: Q1 Collectibility by Segment
Bank Only
4 1 0.7
0.4 0.8
1 1 0.4
1.5 1.3
1.9 2.6
1.3
1,366
Loan Profile: Q1 Collectibility Rp bn by Segment
Bank Only
4.1 5.1
12.9 10.4
1.1
5,303
80,000 90,000
5 4
2,612 826
50 000 60,000
70,000
93.8 91.6
82.0 87.3
5373.0 3
2 1
85,067
60 470
3 369 430
30 000 40,000
50,000
60,470
22,436 28,234
1,237 3,369
455
196
10,000 20,000
30,000
57
92.0
Corp Comm
Small Micro
Cons
6,310
994
0,000
Corp Comm
Small Micro
Cons
NPL Loan Detail: Quarterly by Days Past Due
60 70
Current
Quarterly DG to NPL Interest DPD ‐ Bank Only
Quarterly NPL Stock Interest DPD ‐ Bank Only
Rp tn
60 70
Current
30 40
50 60
30 Days OD
30 40
50 60
30 Days OD
10 20
12 000 30 000
10 20
8,000 10,000
12,000 Rp
Value
20,000 25,000
30,000 Rp
Value
1 1
,1 6
6 ,9
1 ,1
7 4
,1 1
,5 5
1 ,3
1 ,0
3 1
,6 4
2 3
7 8
5 6
1 3
5 5
9 3
2 1
,8 5
1 ,9
7 2
9 4
8 2
8 8
5 6
1 4
5 5
5 1
,2 8
2,000 4,000
6,000
1 7
,4 5
2 4
,9 6
2 4
,1 9
2 6
,2 4
2 6
,4 2
2 5
,6 6
2 5
,4 1
1 7
,9 6
1 7
,1 8
1 6
,5 1
3 ,6
1 ,6
5 6
,5 5
6 ,5
1 6
,5 8
7 ,8
3 9
,6 7
7 ,7
6 ,0
9 4
,5 3
,5 8
3 ,6
6 3
,9 8
3 ,9
2 4
3
5,000 10,000
15,000
58
6 1
1 7
7 6
5 8
4 3
1 4
4 3
5 8
3 6
1 3
4 3
9 6
2 5
5 8
7 5
9 7
8 8
3 5
1 1
7 5
4 5
2 8
4
Q 1
5 Q
2 5
Q 3
5 Q
4 5
Q 1
6 Q
2 6
Q 3
6 Q
4 6
Q 1
7 Q
2 7
Q 3
7 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
5 6
6 2
9 3
4 8
2 4
6 5
1 4
6 8
3 5
4 5
8 1
8 6
3 3
7 8
9 9
5 8
9 6
8 8
5 2
9 1
Q 1
5 Q
2 5
Q 3
5 Q
4 5
Q 1
6 Q
2 6
Q 3
6 Q
4 6
Q 1
7 Q
2 7
Q 3
7 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
Excluding Micro Consumer Loans Only
Rp108 bn in loans were restructured or repaid in Q1 ‘11
Others Write
‐Offs Repayments
IDR bn
Loans by Restructuring Type in Q1 2011
Restructured Loan Movement 2002 ‐ 2011
Restructuring Balance
Maturity extension;
47.8
Maturity extension
wreduced rates;
3.9 LT
loans wconvert;
Additional loans;
0.8
2 9
,5 4
2 2
3 ,9
8 7
2 1
,0 4
5 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
2 A
d D 2
A d
D 2 A
d D 2
A d
D 2 A
d D 2
A d
D 2 A
d D 2
A d
D Q A d
D Q A d
D Q A d
D Q A d
D Q Maturity
extension wother
1.4
2 d
d e
d u
ct 3
d d
e d
u ct
4 d
d e
d u
ct 5
d d
e d
u ct
6 d
d e
d u
ct 7
d d
e d
u ct
8 d
d e
d u
ct 9
d d
e d
u ct
Q 1
1 d
d e
d u
ct Q
2 1
d d
e d
u ct
Q 3
1 d
d e
d u
ct Q
4 1
d d
e d
u ct
Q 1
1 1
restrg; 46.4
Other Restructuring includes reduction of interest
Rp billions ‘08
‘09 Q1
’10 Q2
’10 Q3
’10 Q4
’10 Q1
’11
59
Others includes partial payments, FX impacts, and fluctuation in
Working Capital facilities
rates, rescheduling of unpaid interest extension of repayment
period for unpaid interest
Loans Restructured
677
5,660
33 149
253 732
4 NPL
Collections 1,147
2,058
141 96
101 221
104
Loan Portfolio Sector Analysis, Q1 2011
Mfg ‐Oth
13 Bus
Serv 11
Plantations Mfg
‐Oth Bus Serv
Plantations 14
13 Mfg
‐FB 10
Trans 7
Bus Serv
Mfg ‐FB
Trans Mfg
‐Chem
7 Mfg
‐Chem 7
Trad ‐Ret
Constr Others
13
Trad ‐Ret
Mining Trad
‐Distr C
t
7 Mining
7 Trad
‐Distr 6
5
Constr Others
60
1 Non ‐consolidated numbers
Each sector 4
Excluding Micro Consumer Loans Only
Q1 2011 Loan Detail: Downgrades to NPL
5
31 ‐60 Days
61 ‐90 Days
Mfg ‐oth
Others 90
100
Loan Profile: Q1 NPL Downgrades Only Rp1,284bn Bank Only
Corporate, Commercial Small Business
loans downgraded to NPL in Q1 totaled
Rp1,284 billion. Of these loans:
4
90 Days 31 60
Days
Constr Plantations
Mfg oth
WC Small
70 80
50.8
were current on interest payments
or less than 30 days
53.8 were Corporate borrowers and
90 Days
Trans Trad
‐Ret IDR
50 60
p 27.6
came from our Small Business portfolio
Largest
downgrades by sector:
Chemical Manufacturing
3 Corp
30 40
Chemical
Manufacturing
Transportation
Retail Trading
75.1
were IDR loans
30 Days Mfg‐Chem
USD Invest
Comm 10
20
60.9
were Working Capital loans
36.2 were more than 90 days
overdue in interest payments
61
Comm
Collect. Int.
Aging Sector
Currency Purpose
Segment Excluding Micro Consumer Loans Only
Q1 2011 Loan Detail: Non‐Performing Loans
31 ‐60 Days
61 ‐90 Days
Agri Constr
Small 90
100
Loan Profile: Q1 Non‐Performing Loans Only Rp4,302 bn Bank
Only Corporate,
Commercial Small Business NPLs
totaled Rp4,302 billion in Q1. Of these
NPLs in Q1:
5 d
Trad ‐oth
Trans
IDR 70
80
20.8
remain current on interest payments
and an additional 8.8 are less
than 90 days overdue
49.3 are to Corporate customers
5
90 Days O h
Mfg ‐oth
Trad ‐Dom
WC Corp
50 60
p
70.6 are Working Capital loans and
28.5 are Investment loans
Primary
sectors are:
Chemical Manufacturing
4 Trad
‐Ret Others
Program 30
40
Chemical
Manufacturing
Metal Manufacturing
Retail
Trading
61.0 are Rp loans
3 Current
Mfg Chem Mfg
‐Metal USD
Invest Program
Comm 10
20
26.5
are Cat. 3 12.0 are Cat. 4
0.4 were upgraded in Q1, while
58.6 saw no change in collectibility
62
Mfg ‐Chem
Consumer Collect.
Int. Aging
Sector Currency
Purpose Segment
Excluding Micro Consumer Loans Only
Q1 2011 Loan Detail: Downgrades to Cat. 2
Mfg ‐FB
Agri 90
100
Loan Profile: Q1 Downgrades to Cat 2 Only Rp1,718bn Bank
Only Rp1,718
billion in Corporate,
Commercial Small Business loans
were downgraded to Category 2 in Q1 Of th S
i l M ti
L
Small Current
Trad ‐Ret
Bus Serv
2004
70 80
Q1. Of the Special Mention Loans
downgraded:
39.8 are for Small Business 38.6
are to Corporate customers
61+ Days Trad‐Distr
IDR WC
50 60
42.9
are current 7.9 are 1 day overdue
in interest payments
Primary sectors downgraded are:
Chemical Manufacturing
Corp 31
‐60 Days Others
2 ‐2
30 40
Chemical
Manufacturing
Distribution Trading
Retail
Trading
81.2 are Rupiah loans
Comm 30 Days
Mfg ‐Chem
USD Invest
4
10 20
79.7
are Working Capital loans
63
USD Consumer
2000 Segment Days
Aging Sector
Currency Purpose Origin
Year Excluding Micro Consumer Loans Only
Q1 2011 Loan Detail: Category 2 Loans
Small Trad
‐Distr Trans
90 100
Loan Profile: Q1 Category 2 Loans Only Rp9,153 bn Bank Only
Rp9,153 billion in Corporate, Commercial
Small Business loans were in Category 2
in Q1. Of these Special Mention loans:
Bus Serv
Constr Trad
‐Ret
WC 2004
70 80
57.9
are to Corporate customers
83.4 are current or 1 day
Corp Current
Mfg ‐NonM
Mfg ‐oth
IDR
50 60
overdue, with an additional 8 less
than 30 days overdue
Primary
sectors in Category 2 are:
T til M f t i
Others Mfg
‐Chem Synd
2 30
40
Textile
Manufacturing
Chemical Manufacturing
Non
Metal Manufacturing
Comm 31
‐60 Days 61+
Days Mfg Text
Others
USD Invest
‐2 4
10 20
67.1
are IDR loans
56.5 are Working Capital loans
75.6
were Category 2 in Q4 ‘10
64
30 Days Mfg
‐Text Consumer
Export 2000
Segment Days Aging
Sector Currency
Purpose Origin Year
Excluding Micro Consumer Loans Only
Q1 2011 Loan Detail: Upgrades to PL
Small Trading
Constr Mining
others IDR
90 100
Loan Profile: Q1 Upgrades to PL Rp476 bn Bank Only
Corporate, Commercial Small Business
loans upgraded to PL in Q1 totaled Rp476
billion. Of these loans:
Mfg ‐Text
WC 2004
70 80
65.1
were to Corporate borrowers
73.9 originated in 2005 or later
Largest
upgrades by sector:
2 Corp
50 60
Leasing
Textile
Manufacturing
81.1 were Fx loans
34 were Working Capital loans
Leasing USD
Invest 2
‐2 4
30 40
34 were Working Capital loans
97.6
of upgrades to PL were NPLs moving
to Category 2
Comm 10
20
65
1 Consumer
2000 Collect.
Segment Sector
Currency Purpose Origin
Year Excluding Micro Consumer Loans Only
Q1 2011 Loan Detail: Performing Loans
2 Small
Trad ‐Distr
Mining ‐Oil
Gas 2004
90 100
Loan Profile: Q1 Performing Loans Only Rp177,126bn Bank
Only Rp177,126
bn in Corporate, Commercial Small Business loans were performing
in Q1. Of these performing loans:
Trans Mfg
‐Chem Trad
‐Ret
Other 70
80
51.0
are to Corporate customers 35.6
are to Commercial customers
86.4 originated since 2005
Corp Bus
Serv Mfg
‐FB IDR
2 50
60
Primary
sectors are:
Plantation
Manufacturing
Business Services
1 Mfg
‐Oth Synd
‐2 4
30 40
Transportation
79.2
are Rupiah loans
54.4 are Working Capital loans
91 0 saw no change in collectibility
Comm Others
Plantations
USD Invest
10 20
91.0
saw no change in collectibility
0.3 were upgraded from NPL
66
Others Consumer
Export 2000
Collect. Segment
Sector Currency
Purpose Origin Year
Excluding Micro Consumer Loans Only
Q1 2011 Loan Detail: Restructured Loans
3 5
Others Small
90 100
Loan Profile: Q1 Restructured Loans Only Rp13,079 bn Bank
Only Of
the remaining Rp13,079 billion in restructured
Corporate, Commercial Small
Business loans in Q1 :
2 Trading
Plantations USD
WC 70
80
94.1
are performing
92.8 of Restructured Loans are
current in interest payments
Primary
sectors are:
Current Mfg
‐Metal Mfg
‐Oth Trading
Corp 50
60
Manufacturing
• Textiles
• Chemicals
• Pulp
Paper
Mfg ‐Chem
Mfg ‐NonM
Synd 30
40
Trading
Plantation
59.3
are Rupiah loans
60.9 are Working Capital loans
1
Mf T t
Mfg ‐PP
IDR Invest
Comm 10
20
77.2
are to Corporate customers
5.5 deteriorated in collectibility
20.2
showed improved collectibility
67
30 Days 61
‐90 Days Mfg
‐Text
Collect. NPL
Aging Sector
Currency Purpose
Segment Excluding Micro Consumer Loans Only
Q1 2011 Loan Detail: Corporate Loans
Loan Profile: Q1 Corporate Loans Only Rp92,490 bn Bank Only
Rp92,490 billion in loans were in the
Corporate portfolio in Q1. Of the
Corporate Loans in Q1:
2 3
5
Utilities Others
2000 ‐2004
90 100
97.7
are performing loans, with 5.7 in
Category 2
96 of Category 2 loans are current in
interest payments
Bus Serv
Mfg ‐Chem
Utilities
70 80
interest payments
33.8
of NPLs are current in interest payments
Primary
sectors in Corporate are:
Current Mining Oil
Trans Trading
IDR
Program Other
50 60
Plantation
Food
Beverage Mfg
Oil ‐Gas
68.1
are Rupiah loans
1 Mfg
‐Oth Mining
‐Oil Gas
2004
30 40
44.7
are Working Capital loans
Plantations Mfg
‐FB USD
Invest
10 20
68
30 Days 1
Day Plantations
2000 Collect. Cat.
2 Aging Sector Currency
Purpose Origin Year
Q1 2011 Loan Detail: Commercial Loans
2 3
5
Mf M l
Others 2000
‐2004 90
100
Loan Profile: Q1 Commercial Loans Only Rp64,449bn Bank
Only Rp64,449
billion in loans were in the Commercial
portfolio in Q1. Of the Commercial
Loans in Q1:
Trans Constr
Trad ‐oth
Mfg ‐Metal
Other 70
80
97.9
are performing loans, with 4.1 in
Category 2
82.5 of Category 2 loans are current
in interest payments
Current Trad
‐Distr Mfg
‐FB IDR
50 60
in interest payments
9.5
of NPLs are current in interest payments
Primary
sectors in Commercial are:
1
Mfg ‐Chem
Plantations 2004
30 40
Business
Service
Chemical Manufacturing
Plantations
Distribution
86 3
R i h l
31 ‐60 Days
61+ Days
Bus Serv
Invest 10
20
86.3
are Rupiah loans
60.8 are Working Capital loans
69
30 Days 1
Day Mfg
‐oth USD
Export 2000
Collect. Cat. 2 Aging Sector
Currency Purpose Origin
Year
Q1 2011 Loan Detail: Small Business Loans
2 3
5 Current
Others 2004
90 100
Loan Profile: Q1 Small Business Loans Only Rp24,488bn Bank Only
Rp24,488 billion in loans were in the
Small Business portfolio in Q1. Of the
Small Business Loans in Q1:
61+ Days
Bus Serv
Oth Constr
70 80
96.7
are performing loans, with5.1 in
Category 2
19.7 of Category 2 loans are current
in interest payments
31 ‐60 Days
y
Plantations Mfg
IDR WC
2 50
60
in interest payments
5.9
of NPLs are current in interest payments
Primary
sectors in Small Business are:
1 1
Day 31
‐60 Days Trad
‐Distr ‐2
4 30
40
Retail
Trading
Distribution
Plantations
98.9 are Rupiah loans
30 Days Trad‐Ret Invest
Program
10 20
76.7
are Working Capital loans
70
Consumer 2000
Collect. Cat. 2 Aging Sector
Currency Purpose Origin
Year Excluding Micro Consumer Loans Only
Q1 2011 Loan Detail: Rupiah Loans
2 3
5 Others
Small 2004
90 100
Loan Profile: Q1 Rupiah Loans Only Rp142,829 bn Bank Only
Rp142,829billion in loans were Rupiah
denominated in Q1. Of the Rupiah Loans
in Q1:
Trad ‐Distr
Mfg ‐Chem
Constr
Other 70
80
98.2
are performing loans, with4.3 in
Category 2
75.5 of Category 2 loans are current
in interest payments
Current Trans
Trad ‐Ret
Corp 2
50 60
in interest payments
6.3
of NPLs are current in interest payments
Primary
sectors in Rupiah loans are:
1
Mfg ‐Oth
Mfg ‐FB
Program Synd
‐2 4
30 40
Plantations
Business
Serices
Food Beverage Mfg
Transportation
44 1
C l
1 Day
31 ‐60 Days
61+ Days
Bus Serv
Comm 10
20
44.1
are Corporate loans
57.6 are Working Capital loans
71
30 Days Plantations
Consumer Export
2000 Collect. Cat.
2 Aging Sector Segment
Purpose Origin Year
Excluding Micro Consumer Loans Only
Q1 2011 Loan Detail: FX Loans
2 3
5 Trans
Mfg ‐Metal
Small Program
Synd 2004
90 100
Loan Profile: Q1FX Loans Only Rp38,598bn Bank Only
Rp38,598 billion in loans were FX
denominated in Q1. Of the FX Loans in
Q1:
Mfg ‐Chem
Mfg ‐Text
Mfg ‐PP
70 80
95.7
are performing loans, with 7.8 in
Category 2
94.9 of Category 2 loans are current
in interest payments
Current Mf FB
Plantations Utilities
Corp 2
50 60
in interest payments
43.6
of NPLs are current in interest payments
Primary
sectors in FX loans are:
1 Trading
Mfg ‐FB
‐2 4
30 40
Oil
Gas
Trading
Food Beverage Mfg
Plantations
76 4
C l
Oil Gas
Comm 10
20
76.4
are Corporate loans
44.3 are Working Capital loans
72
30 Days Export
2000 Collect. Cat.
2 Aging Sector Segment
Purpose Origin Year
Excluding Micro Consumer Loans Only
deterioration in Q1 ‘11
Mandiri Credit Card Delinquency Rates
NPLs 90+DPD
Quarterly Charge‐offs, NPLs Recoveries Rp Bn
30 DPD ‐ Rp
90 DPD R
109.1 123.1
115.0 NPLs
90+DPD Write
‐Offs Recoveries
16.8
90 DPD ‐ Rp
30 DPD ‐ Cards
90 DPD ‐ Cards
82.9 75.6
83.8 78.7
72.2 76.4
90.7 79.4
10.2 11.2
9.7 8 6
9.1
10.7 9.5
35.9 63.6
32.6 40.8
37.5 37.1 29 7
43.5 45.7
44.5 57.3
53.5 63.0
36.0 38.8
7.1 8.1
6.4 7.7
7.2 8.3 8.2
8.1 8.6
5.3 6.3
5.6 4.7
4 2 4 2 4.8
5.0 4.5
4.8 5.3
4.5 5.0
4 1 5.8
33.1 32.6
29.7 28.6
2.0 4.7
6.9 8.8
13.9 14.5 17.6 16.9
24.4 23.6
28.2 10.8
3.4 3.8
4.2 4.2 4.1
3.3 2.7
1.9 2.0 1.8
1.8 1.8
1.71.71.8 2.1
2.4 2.2 1.7 1.5
1 1 1 0 0.9 1.0
0.9 0 9 0 9 0.9
73
Q 1
4 Q
2 4
Q 3
4 Q
4 4
Q 4
5 Q
4 6
Q 1
7 Q
2 7
Q 3
7 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
1.1 1.0 0.9 0.9 0.9
Q 1
4 Q
2 4
Q 3
4 Q
4 4
Q 4
5 Q
4 6
Q 1
7 Q
2 7
Q 3
7 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
St a
ff in
g an
d D
is tr
ib u
ti o
n N
e tw
o rk
G ro
w th
E m
p lo
ye e
s A
T M
N e
tw o
rk
19 18
17 17
18 19
21 21
21 22
22 23
24
24 25
25
9,606 8,016
7,204 7,735
8,397 9,693
1,192 1,062
1,631 2,408
2,909 3,445
4,282 4,954
5,236 5,706
1999 2000
2001 2002
2003 2004
2005 2006
2007 2008
2009 Q1
10 Q2
10 Q310
Q410 Q1,11
513 533
1,184 1,559
2,022 2,470
2,560 2,800
3,186 4,120
4,996 4,997
5,224 5,495
6,496 6,505
1999 2000
2001 2002
2003 2004
2005 2006
2007 2008
2009 Q1
10 Q2
10 Q310
Q410 Q111
D o
m e
st ic
B ran
ch N
e tw
o rk
A T
M ‐L
in k
N e
tw o
rk
6 5
6 6
7 7
9 9
9 1,0
1,0 1,1
1,1 1,2
1,3 1,3
3,1 4,0
4,7 5,5
6,0 6,2
7,0 7,8
12,6 14,1
14,3 14,8
18,3 18,5
7 4
658 546
635 687
730 789
909 924
956 027
095 108
180 296
370 381
1999 2000
2001 2002
2003 2004
2005 2006
2007 2008
2009 Q1
10 Q2
10 Q3
10 Q4
10 Q111
160 000
716 537
025 265
041 851
666 165
359 822
321 581
1999 2000
2001 2002
2003 2004
2005 2006
2007 2008
2009 Q1
10 Q2
10 Q3
10 Q4
10 Q111
Lo an
g ro
w th
, q
u al
it y
p ro
vi si
o n
in g
re lat
iv e
t o
p e
e rs
B an
k O
n ly
, A
s o
f D
e ce
m b
e r
2 1
To ta
l L o
an s
R p
b n
Lo an
G ro
w th
Y T
D Lo
an to
D e
p o
si t
Ra ti
o
246,968 219,032
153,923 132,786
103,056 75,090
57,525 53,137
48,703 50,589
45.1 34.1
