∆ fro : IPO
Sep 30, 2013
BMRI +1,150.00
+2.47 JCI
+743.11 +2.48
No. of Investor
No. of shares I
DOMESTIC 1. Government of RI
1 0.01
14,000,000,000 60.00
2. Retail 10,399
11.80 189,815,502
0.81 3. Employees
75,554 85.73
68,887,818 0.30
4. Cooperatives 5
0.01 2,936,556
0.01 5. Foundation
26 0.03
12,447,035 0.05
6. Pension Funds 170
0.19 223,716,520
0.96 7. Insurance
66 0.07
511,015,036 2.19
8. Banks -
0.00 -
0.00 9. Corporations
131 0.15
382,779,793 1.64
10. Mutual Funds 164
0.19 739,179,658
3.17
Total 86,516
98.18 16,130,777,918
69.13 II INTERNATIONAL
1. Retail 74
0.08 1,623,733
0.01 2. Institutional
1,533 1.74
7,200,931,682 30.86
Total 1,607
1.82 7,202,555,415
30.87 III
TOTAL No.
Description By 30 September 2013
88,123 100.00
23,333,333,333 100.00
-200 200
400 600
800 1000
1200 1400
1600
Ju l-
03 Ja
n -04
Ju l-
04 Ja
n -05
Ju l-
05 Ja
n -06
Ju l-
06 Ja
n -07
Ju l-
07 Ja
n -08
Ju l-
08 Ja
n -09
Ju l-
09 Ja
n -10
Ju l-
10 Ja
n -11
Ju l-
11 Ja
n -12
Ju l-
12 Ja
n -13
Ju l-
13
BMRI JCI
2
Results Overview Page
I do esia s E o o i Co ditio 3
9M 2013 Highlights 4
Key Indicators + Financial Highlights 5-6
SBU Performance Highlights 7
Ba k s Pe fo a e
8-11
Loan Performance 12-14
ROE NIM 15-16
Fee-Based CIR 17-18
Wholesale Transactions 19-21
Retail Value Chain 22-24
High-Yield Lending Activities 25-27
NPL Movement 28-30
Subsidiaries 31-33
Targets 34
Operating Performance Highlights Supporting Materials
Source: BPS, Bloomberg
Trade balance back to surplus at USD312 mn I t l ese es i p o ed to U“D9 .7 bn, Sep 2013
-3 -2
-1 1
2 3
4
6 8
10 12
14 16
18 20
Jan -10
M ar
-10 M
ay -10
Jul -10
Sep -10
N o
v- 10
Jan -11
M ar
-11 M
ay -11
Jul -11
Sep -11
N o
v- 11
Jan -12
M ar
-12 M
ay -12
Jul -12
Sep -12
N o
v- 12
Jan -13
M ar
-13 May
-13 Jul
-13 Trade Balance - RHS
Export - LHS Import - LHS
95.7
5.2
4 5
6 7
8
60 70
80 90
100 110
120 130
D e
c- 09
M ar
-10 Jun
-10 Sep
-10 D
e c-
10 M
ar -11
Jun -11
Sep -11
D e
c- 11
M ar
-12 Jun
-12 Sep
-12 D
e c-
12 M
ar -13
Jun -13
Sep -13
International Reserve - LHS
Import cover- RHS
3
4
Admired Financial Institution
Retail Loans 1 • Rp 123.8 Tn
• 31.3 of Loans Subsidiary Income
• Total Rp 1,545 Bn • Sum of income from
5 subsidiaries 12.1 of EAT
Alliances total •
Cards From Alliances 295.575 cards
• Alliance Payroll Accounts: 941.352
e-Channel Tx • 992,2 Mn YTD
• 5.6 Growth of Cards Issued
• Credit 3.08 Mn • Debit 11.10 Mn
• Prepaid 3.28 Mn Cash Management
• 12,652 Customers • 18.1 Mn Tx YTD
2013 2
1 Small Business, Micro and Consumers
2 Exclude Mandiri Transaction System
of Accounts • Deposit 13.7 Mn
• Loan 1.36 Mn of new Accounts YTD
• Deposit 2.72 Mn • Loan 521.341
of Outlets • 1,909 Branches
• 2,346 Micro Outlets • 11,454 ATMS
Con ti
nuou s
Imp ro
vemen t
of K e
y Indi ca
tor s
10.00 15.80
18.01 22.10
24.40 30.70
24.30 22.70
22.00 21.12
21.88 22.18
22.55 21.85
21.09 21.35
2006 2007
2008 2009
2010 1Q11
2Q11 3Q11
4Q11 1Q12
2Q12 3Q12
4Q12 1Q13
2Q13 3Q13
R et
urn on
Equit y
R oE
F ee
Bas ed
R at
io C
urrent Ac
c ount
Sav ing
Ac c
ount C
ASA
N on
Perf orm
ing Loan
N PL
19.60 20.10
23.90 24.40
29.30 27.70
28.10 29.30
30.40 28.10
29.50 28.20
28.40 28.50
28.70 29.40
2006 2007
2008 2009
2010 1Q11
2Q11 3Q11
4Q11 1Q12
2Q12 3Q12
4Q12 1Q13
2Q13 3Q13
53.00 61.60
56.70 58.40
55.80 54.00
57.70 58.70
60.70 60.60
62.30 63.00
65.50 62.10
63.60 64.30
2006 2007
2008 2009
2010 1Q11
2Q11 3Q11
4Q11 1Q12
2Q12 3Q12
4Q12 1Q13
2Q13 3Q13
16.30 7.20
4.73 2.79
2.42 2.60
2.42 2.56
2.21 2.22
2.07 2.04
1.87 2.08
1.89 1.90
2006 2007
2008 2009
2010 1Q11
2Q11 3Q11
4Q11 1Q12
2Q12 3Q12
4Q12 1Q13
2Q13 3Q13
Bank Ma di i s 9M 2013 Performance demonstrated marked improvements
across several key indicators:
9M 9M
Loans Rp365.2 tn
Rp450.8tn 23.4
Net NPL Ratio
Gross NPL Ratio
0.52
2.04
0.53
1.90
1.9
6.8
Low Cost Funds Ratio
[Low Cost Funds Rp]
63.0
Rp271.6tn
64.3
Rp330.7 tn
2.0
21.8
NIM 5.41
5.41 0.1
Efficiency Ratio 43.3
42.3 2.3
Earnings After Tax Rp11,119 bn
Rp12,803 bn 15.1
6
19.80 19.36
27.08 28.04
5.45 5.51
34.62 36.43
13.05 10.66
4.67 6.87
11.33 10.33
43.32 36.92
32.73 35.96
7.94 9.92
NII Net Interest Income
Rp Bn of Total
Fee Income
Rp Bn of Total
Asset Spread
Rp Bn of Total
Liabilities Spread
Rp Bn
2,855
3,905
786
4,993
1,882 4,189
6,067
1,193
7,881
2,306
Corporate + Institutional
Comm Business Banking
Treasury, FI SAM
Micro Retail
Consumer Finance
9M 11 9M 13
2,106
3,264
624
1122
1,866 2,976
5,471
1006
2,406
2,291
9M 11 9M 13
838
640
162
3,810
15 1,213
597
187
5,475
16
9M 11 9M 13
23.45 21.03
36.34 38.66
6.95 7.11
12.49 17.00
20.77 16.19
387
938
2,188
2,711
658 664
998
1,950
3,476
959
9M 11 9M 13
7
Rp 1,618 Bn from SAM recoveries on WO loans Rp 1,400Bn from Garuda
1,618 1,400
82.8 88.8
93.7 97.1
97.1 102
.9 108.8
121.9 119
.8 126.5
135.4 151.8
150.4 159.9
166.2 186.9
179.9 189.8
198.8 8.2 8.3
8.7 9.7 9.9 10.811.6
11.612.312.7 12.2
12.013.4 13.614.0
15.315.816.8 19.0
44.5 47.3
45 .7
53.9 47.8
50.3 39.9
46.2 45
.3 47.9
49.4 67.3
75.0 59.0
63.0 77
.9 61.2
74.6 63
.9
20.318.3 21.1
18.822.023.122.9 22.225.422.3
24.0 25.3
28.228.028.5 36.1
33.3 38.5
49.2
99.6 105.7
109.3 108.4
124.4 127.8
127.0 147.8
14 3.5
140 .8
140.0 148.1
120 .8
137.5 138.9
150.7 152.8
153.7 155.2
16.7 18.7
17.1 15.1
11.8 11.711.1
12.510.312.4 15.3
17.8 15.6
20.3 20.4
16.1 24.0
29.0 28.2
20 40
60 80
100 120
140 160
180 200
220 240
260 280
300 320
340 360
380 400
420 440
460 480
500 520
1Q 09
2Q 09
3Q 09
4Q 09
1Q 10
2Q 10
3Q 10
4Q 10
1 Q
11 2Q
11 3Q
11 4
Q 11
1Q 12
2Q 12
3Q 12
4Q 12
1Q 13
2Q 13
3Q 13
FX Time Rp Time
FX Demand Rp Demand
FX Savings Rp Savings
64 .1
65.8 68.8
69.8 74.5
80 .7
84.2 85.4
85.1 96
.2 103.2
106.2 113.0
119.2 123.2
126.3 124
.7 124.3
130.9 4.4 4.4 4.2 4.5
0.2 0.4 1.3 1.4 1.6
1.5 1.7 1.4
1.3 1.5 1.6 1.8 1.6 1.5
1.7 40.6
41.9 43.6
49 .1
49.1 53
.1 57.5
63.8 64.7
70.1 74
.7 80.7
82.5 89.8
93.3 102.7
102.0 104.2
111.0
19 .7
20.6 21.7
23.6 24.7
26 .7
28.6 30
.7 32.4
34.3 36.3
39.0 40.7
43.3 44.5
47.7 49
.3 52.4
55.2
14.115.5 16.3
17.117.7 19.3
20.5 22.723.3
25.8 27.6
30.2 30.9
33.1 35.0
38.4 38.442.5
43.7
4.6 4.8 5.1
5.4 5.6 6.0
6.5 7.3 7.7
8.5 9.5
11.8 13.1
15.1 16.8
19.0 20.7 23.9
24.9
12.611.5 11.2
10.3 9.7 9.1
8.6 7.8 6.7
6.1 6.1
4.6 4.8
4.8 4.9
4.0 3.9 3.9
4.2 22.6
24.3
16.817.1 17.6
18.820.4 22.7
24.6 27.230.3
