3
1.8 7.9
Q oQ G rowth YoY G rowth
4 3
.0 4
8 .3
6 5
.4 7
5 .9
9 4
.4 9
9 .5
1 4
.0 1
6 .9
1 6
.9 1
5 .1
1 7
.8 1
8 .8
1 1
7 .7
1 1
4 .3
1 1
6 .3
42.5 57.3
55.9 56.4
Q 4
Q 4
1 Q
4
2 Q
4
3 Q
4
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
Loans Rp tn LD R
37.7 35.1
35.7 32.9
32.6
8.5 10.8
11.5 11.8
51.3 45.2
42.3 44.0
44.7 53.6
50.5 40.2
32.5 31.6
22.2 8.6
8.6 9.0
1.9 1.9
2.1 12.6
12.7 12.2
1.5
Q 4
2 Q
4 3
Q 4
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
LDR at 56.4 on 7.9 Y-o-Y consolid ate d g rowth
Quarte rly Loan Data – Cons olidate d
1.99 6.78
2.125 Micro
8.43 9.39
9.007 Small
11.89 8.08
12.705 Consume r
100. 0 6. 81
106. 895 Total
30.44 1.16
32.542 Comme rcial
47.26 11.82
50.516 Corp orate
of Portfolio
Loans Rp tn
By Se g me nt Bank only
Y-O-Y Growth
Quarte rly Loan Se g m e nt De tails – Bank Only
Corp orate
Comme rcial
Consume r
As of June 2007; Non-consolid ate d num b e rs
Small Micro
18.0 22.1
29.6 40.6
52.0 49.5
47.8 44.2
45.2 41.8
44.7 46.6
57.6 57.2
62.5
31.1 31.2
24.8 28.8
28.0 27.5
30.8 28.3
30.1 30.2
28.0 29.5
33.6 31.0
33.1
5.8 4.6
6.2 7.6
9.1 11.9
11.9 12.3
11.6 14.9
12.3 12.6
11.6 13.2
97.1 87.8
106.9 100.7
80.5 66.5
72.3 79.8
93.2 90.8
89.1 85.7
80.5
16.5 21.5
23.4 20.6
17.3 11.6
11.1 13.3
16.3 15.7
15.9 15.1
13.4 12.6
13.9 12.1
14.3 14.1
14.4 19.5
65.0 72.9
70.0
2 4
6 8
1 1
2 1
4 1
6 1
8 2
Q 4 99 Q 4 00
Q 4 01 Q 4 02
Q 4 03 Q 4 04
Q 1 05 Q 2 05
Q 3 05 Q 4 05
Q 1 06 Q 2 06
Q 3 06 Q 4 06
Q 1 07 Q 2 07
R p
S a
v in
g s
D e
p o
si ts
R p
D e
m a
n d
D e
p o
si ts
F X
D e
m a
n d
D e
p o
si ts
R p
T im
e D
e p
o si
ts F
X T
im e
D e
p o
si ts
Q 2
D e
p o
si ts
r o
se 4
.1 o
n a
9 .3
g a
in i
n I
D R
S a
v in
g s
D e
p o
s it
A n
a ly
s is
– B
a n
k O
n ly
6 .1
2 .6
3 .3
3 .7
9 .5
4 .4
4 .1
3 .5
1 3
.9 6
.3 1
1 .9
7 .4
1 3
.1 1
2 .7
7 .4
8 .8
5 10
15
R p
D D
R p
S a
v in
g s
R p
T D
1 M
o .
S B
Is
A v
e ra
g e
Q u
a rt
e rl
y D
e p
o s
it C
o s
ts
2 .4
2 .7
.5 1
.7
2 .6
1 .5
4 .3
3 .7
0. 1.
5 3.
4. 5
Q 4 02 Q 4 03
Q 4 04 Q 1 05
Q 2 05 Q 3 05
Q 4 05 Q 1 06
Q 2 06 Q 3 06
Q 4 06 Q 1 07
Q 2 07
F X
D D
F X
T D
44.2
53.9
23.1 31.4
58.4
L o
w -C
o st
D e
p o
si ts
5
Exclud ing the imp act of non-re curring inte re st income
2 .4
3 .9
2 .8
3 .7
4 .3
4 .3
3 .6
3 .8
3 .6
4 .2
4 .1
4 .6
4 .9
5 .5
4 .9
Q 4
Q 4
1 Q
4 2
Q 4
3 Q
4 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
N IM
5.7 5.3
3.4
5 10
15
Q 4
Q 4
1 Q
4
2 Q
4
3 Q
4
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 Avg Loan Yield
Avg Bond Yield Avg 1-Mo Bill
Avg CO F
12.1
8.0 8.8
5.0
5 10
15 20
9.5 8.9
8.2 9.4
10.7
6.3 4.8
4.8 5.7
6.4 9.4
11.8 11.6
10.6 11.0
8.7 11.4
13.0 13.0
4.8 5.4
4.6 7.8
7.3 7.3
7.6 10.8
10.8
Yield on Assets C ost of Funds
Q2 NIM falls to 4.9 on lowe r Re cap b ond yie ld s
Quarte rly Ne t Inte re s t M arg ins Quarte rly Yie lds Cos ts by Curre nc y
IDR
FX
6
De tails of Q2 2006 2007
1 4
5 .6
1 3
4 .1
1 6
3 .6
1 3
3 .5
1 3
9 .2
1 4
9 .6
1 4
3 .3
1 6
4 .8
1 6
7 .7
109.1 81.4
65.5 91.2
75.4 106.8 116.8
110.9 13.7
70.3 41.2
4.3 19.8
10.9 76.9
56.4 64.7
64.2 93.8
61.3 48.8
75.4 65.2
113.5 54.9
58.2 66.6
122.2 56.0
123.6
25.1 26.1
32.4 38.0
38.6
37.5 39.9
39.9 41.3
44.4 43.3
21.8 17.8
28.7 20.9
20.4
26.5 27.5
31.6 38.6
45.6 58.8
1 4
1 .3
1 3
6 .7
102.3 97.1
129.5
Q 4
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 Credit Cards
Transfer, Coll., Clearing Bank Ref. O pening LC Bank Guarantees
Fee from Subsidiaries O thers
Admin. Fees for D eposits Loans
12.412.812.812.1 17.7
10.9 14.5
14.8 15.8
12.0 13.3
of O perating Income
Non-loan Re late d Fe e s Commissions up 40.6 Y-o-Y
Non-loan re late d fe e s c om m is s ions
Non-Loan re late d fe e s commissions Total Op e rating Income - Non-re curring inte re st income
Othe rs includ e Custod ian Truste e fe e s, Synd ication, Mutual Fund s, Payme nt Points, e tc.
40. 6 616. 619
438. 700 Total
113.8 58.778
27.498 Cre d it Card s
8.7 43.342
39.861 Transfe rs,
Colle ctions.. 112.4
123.560 58.166
L C Guarante e s
22.0 93.796
76.867 Sub sid iarie s
33.3 129.486
97.129 Othe rs
20.5 167.657
139.179 Ad min. Fe e s
Y-o-Y U
Q2 2007
Q2 2006
Non-Loan Re late d Fe e s
Com m is s ions Rp billion
7
3 3
6 7
5 3
7 7
5 7
4 9
1 ,0
3 4
6 7
8 7
9 3
7 6
7 8
4 2
6 3
7 7
8 8
8 1
1 ,0
1 6
7 1
7 4
8 9
5 7
6 4
9 7
2 3
6 4
6 7
7 1
,2 4
1 6
9 5
7 4
4 8
6 9
7 9
5 9
2 9
3 2
7 7
9 6
6 7
3 7
7
Q 4
Q 4
1 Q
4 2
Q 4
3 Q
4 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
GA Expenses Rp bn Personnel Expenses Rp bn
Q2 Cost to Income Ratio up to 40.2 on Pe rsonne l costs
54.3 83.3
58.9
40.2 28.2
38.7 40.4
57.6 48.8
C IR Annual Avg C IR
10.12 70,338
63,872 Post Emp loyme nt Be ne fits
20.17 294,225
244,849 Base Salary
5. 08 748, 001
788, 057 Total G A Expe ns e s
9.57 88,219
80,515 Sub sid iarie s
14.38 56,858
49,711 Emp loye e Re late d
2.03 65,927
64,613 Profe ssional Se rvice s
9.11 65,849
60,349 Transp ort Trave ling
75,624 222,007
235,238 743, 637
72,556 26,281
336,079 Q2 ‘06
11.54 66,896
Promotion Sp onsorship 5.89
208,934 Occup ancy Re late d
G A Exp e nse s
24. 91 928, 908
Total Pe rs onne l Expe ns e s
22.90 89,168
Sub sid iarie s 27.96
430,057 Othe r Allowance s
Pe rsonne l Exp e nse s Chang e
Y-o-Y Q2 ‘07
16.97 195,318
IT Te le communication 45,120 71.68
Training
Bre akdown of Q2 2006 2007 Ope rating Expe ns e s Quarte rly Cons olidate d Ope rating Expe ns e s CIR
Exclud ing the imp act of non-re curring inte re st income b ond g ains
8
Non-Pe rform ing Loan M ove m e nts Rp bn – Bank Only
Q2 NPLs d rop to Rp 17.3 trillion on up g rad e s colle ctions
M ove m e nt by Cus tom e r Se g m e nt Rp Bn
40.7 322.3
172.9
431.0 192.4
98.9
479.7 311.7
75.3 31.6
52.1 61.3
250 500
750 1,000
UG to PL DG to N PL
W O
Cons MicroSmall
Comm Corp
17,292 727
17,971 944
390 617
599 70
Q 1 07 U G to PL D G from
PL D isburse. CollectionsW rite-O ffs FX Impact
Q 2 07
N P
L M
o v
e m
e n
t - C
o n
s o
li d
a te
d
19.8 9.7
8.6 7.1
17.8 23.4
25.3 26.2
70.9 15.5
24.9
24.6
7.3 24.6
16.3 16.3
3.9
10.3 15.0
5.9 4.7
1 9
.4 4
2 .8
7 .0
8 6
.7
4 9
.1 1
6 1
.4 1
5 1
.1
Q 4 99 Q 4 00
Q 4 01 Q 4 02
Q 4 03 Q 4 04
Q 1 05 Q 2 05
Q 3 05 Q 4 05
Q 1 06 Q 2 06
Q 3 06 Q 4 06
Q 1 07 Q 2 07
G ro
ss N
P L
R at
io N
e t
N P
L R
at io
P ro
v N
P L
P ro
v N
P L
i n
cl .
C o
ll .
N e
t N P
L s a
t 3 .9
w it
h p
ro v
is io
n in
g c
o v
e ra
g e
o f 8
6 .7
C a
te g
o ry
2 L
o a
n s
– B
a n
k O
n ly
4,033 15,350
12,655 16,202
10,983 8,334
12,352 14,394
16,423 12,912
12,086 12,175
10,991 16,966
16,750 15,854
2 ,0
4 ,0
6 ,0
8 ,0
1 ,0
1 2
,0 1
4 ,0
1 6
,0 1
8 ,0
2 ,0
Q 4 99 Q 4 00
Q 4 01 Q 4 02
Q 4 03 Q 4 04
Q 1 05 Q 2 05
Q 3 05 Q 4 05
Q 1 06 Q 2 06
Q 3 06 Q 4 06
Q 1 07 Q 2 07
2 -
S p
e c
ia l
M e
n ti
o n
L o
a n
s R
p B
n 1
4 .8
1 2
.2
1 4
.8 1
5 .9
2 4
.8
1 2
3 4
5
C a
t 2
10
Cash Provisioning for Cate g ory 5 loans now at 82.2
10.16 -
0.22 Micro
8.30 0.05
0.75 Small
17. 29
0.58 5.64
10.11 NPLs
Rp tn
4.54 0.01
Consume r 20.02
0.01 Corp orate
NPLs Q2U
Rp tn
17.33 0.72
Comme rcial
0. 67 Total
16. 18
100 50
15 5
1 BMRI Policy
100
5 4
3 2
1 Colle ctib ility
Non-Pe rforming Loans
Pe rforming Loans
50
15
15
5
100
2 BMRI p re -2005
100 50
1 BI Re q .
Provisioning Policy
Collate ral Valuation De tails Non-Pe rform ing Loans by Se g m e nt
Bank Mand iri’s curre nt p rovisioning p olicy ad he re s
to BI re q uire me nts
As of 30 June ’07, loan loss p rovisions e xce ss to BI re q uire me nts = Rp 632 b n
Collate ral has b e e n value d for 83 accounts and collate ral p rovisions of Rp 11,584 b n have b e e n cre d ite d ag ainst loan
b alance s of Rp 15,674 b n
Collate ral value is cre d ite d ag ainst cash p rovisioning re q uire me nts on a conse rvative b asis. For asse ts value d ab ove
Rp 5b n:
Collate ral is value d only if Bank Mand iri has e xe rcisab le
rig hts to claim collate ral asse ts
70 of ap p raise d value can b e cre d ite d within the initial 12 months of valuation, d e clining to:
¾ 50 of ap p raise d value within 12 to 18 months
¾ 30 of ap p raise d value within 18 to 24 months
¾ No value b e yond 24 months from ap p raisal
12,169 396
568 1,279
780 Total Cash
Prov. Rp b n 5
4 3
2 1
Colle ctib ility
29 82.2
54.1 32.4
8.1 1.1
Cash Provisions
10 733
43 7,412
1 of
Accounts 3,273
165 Collate ral
Prov. Rp b n
11
0.29 0.34
1.56 0.60
0.49 Q2
2007
1.51 1.63
2.27 1.63
0.59 Q1
2006
1.08 0.73
3.14 1.27
- Q2
2006 Q2 2007 De tails
49,595.9 7,204.8
5,819.0 13,912.2
22,659.8 Q2 ‘07
Balance Rp b n
Q4 2006
Q1 2007
UG to PL
DG to NPL
Q3 2006
Loan Backg round
0.42 0.78
1.87 0.11
-
Total Loans orig inate d since 2005
Ne t Up g rad e s
Downg rad e s
0.68 0.25
1.62 2.04
0.02
1.00 1.18
2.17 1.33
-
0.40 0.44
0.29 1.07
-
0.69 0.78
1.85 0.46
0.49
Total Consume r
Small Micro Comme rcial
Corp orate
Ne t d owng rad e s of le ss than 0.3 on ne w loans in Q2
d owng rad e s and
up g rad e s are q uarte rly fig ure s
12
Be nang sari Ind ah Te xind o
Be nang sari Ind ah Te xind o
Total e xp osure e q uivale nt to Rp 390.42 b illion. This loan was re structure d , b ut has re lap se d in Q2 as the share hold e rs could not
p rovid e ad d itional working cap ital commitme nts. This has re sulte d in lowe r-than- p lanne d sale s re alization and re ve nue .
The ob lig or will try to incre ase p rod uction le ve ls to full cap acity b y se e king ad d itional working cap ital from strate g ic inve stors or forming an op e rational joint-
ve nture with ne w inve stors or p artne rs.
Prog re ss on Se le cte d De b tors
Djajanti Group
Djajanti Group
Total e xp osure to this d e b tor is USD76,583,277. The ob lig or se ttle d loans to PT. Hasil Tamb ak Amb oina and PT. Kinantan Se na Putra
in Octob e r 2006. For PT. Biak Mina Jaya, the ob lig or had ag re e d to se ll the asse ts of Biak machine ry,
e q uip me nt and ve sse ls to an inve stor for USD5.2 million, b ut is now in ne g otiation with a ne w p rosp e ctive inve stor.
The Bank cannot auction Djajanti Plaza Build ing in Tanah Ab ang , Jakarta as the Tax Office has alre ad y confiscate d the b uild ing . The Bank has aske d the ob lig or to
ne g otiate its tax liab ilitie s with the Tax Office . To re solve othe r loans to Djajanti Group , the Bank will liq uid ate the comp any.
Polyp rima Karyare ksa
Polyp rima Karyare ksa
Total e xp osure to the ob lig or is e q uivale nt to USD 143.32 million outstand ing as of 30 June 2007
To re solve re structure the loans, the Bank throug h PT Mand iri Se kuritas will d ive st the owne rship to strate g ic inve stors.
Domb a Mas Domb a Mas
The ob lig or has sub mitte d a p rop osal to re solve all of its NPLs throug h re financing from othe r cre d itors, to b e finalize d b y the e nd of 2007.
The ob lig or has alre ad y re p aid , throug h re financing , loans to 4 comp anie s of e q uivale nt Rp 352.5 b illion on 8 Fe b ruary 2007. The re maining outstand ing loans are
e q uivale nt Rp 1,243 b illion to 6 comp anie s.
13
Prog re ss Up d ate on PPKM Mand iri
• Draft Inte rnal Policy SOP for PPKM Mand iri has b e e n comp le te d with inp uts from our Financial Ad visor and Le g al Ad visor.
• We will se e k furthe r inp uts from e xte rnal and ind e p e nd e nt p artie s incl. Ove rsig ht Committe e on the conte nt of our Inte rnal Policy SOP
• Ind e p e nd e nt Aud itor Ernst Young has comp le te d the re vie w of 150 accounts and is curre ntly re vie wing an ad d itional 85 accounts
• Base d on the re vie w, 33 accounts, with p rincip al value of Rp 2.3 tn have me t the crite ria of “Cle an” and “Cle ar” and are , the re fore , re ad y to b e includ e d in the
PPKM Mand iri • Efforts are curre ntly und e rway to e valuate and imp rove the re maining 117
accounts
• 23 out of the 33 accounts that have b e e n d e sig nate d “Cle an” and “Cle ar” have b e e n re vie we d b y our Le g al Ad visor Me lli Darsa Co
• 22 out of 33 accounts have b e e n value d b y our Financial Ad visor PWC-Bahana • The re maind e r will b e comp le te d within the ne xt 4 we e ks
• Cre d it d ocume ntation for all of the 33 accounts have b e e n p re p are d for the d ue - d ilig e nce p roce ss
NPL His toric al Re vie w
Inte rnal Polic y SOP for
PPKM M andiri
Le g al Re vie w Valuation
Data Room
Bank M andiri is re ady to im ple m e nt PPKM M andiri onc e the s upport from all s take holde rs is as s ure d
14
1,522
6,692 3,527
4,212
N et Interest Income
Fee-Based Income
O verhead Expenses
O thers Pre-provision
O perating Profit
H1 ‘07 op e rating p rofit up 61.3 from H1 ‘06
H1 2007
Note s : 1.
Fe e b ase d income e xclud ing g ain on sa le incre asing value GB se curitie s 2.
Ove rhe ad e xp e nse s + othe rs e xclud ing p rovisions
H1 2006
Rp billion
Up 61.3
1,201
4,840 3,145
2,906
N et Interest Income
Fee-Based Income
O verhead Expenses
O thers Pre-provision
O perating Profit
Rp billion
Exc luding Non- re c urring Q1
Inte re s t Inc om e
4,687
15
3 ,3
5 7
4 ,1
4 5
3 ,5
1 4
4 ,7
8 7
5 ,4
9 2
2 ,9
7
260 114
402 380
172
2 ,0
2 1
2 ,0
7 2
1 ,6
5 1
2 ,6
8 2
4 ,0
4 4
,3 3
5
475 1
,4 5
4 74
235 166
247
1,000 2,000
3,000 4,000
5,000 6,000
7,000 8,000
2000 2001
2002 2003
2004 2005
2006 H 1 07
G ain on SaleValue of Securities FX G ain
N on-Recurring Interest Core Earnings
P re
-P ro
v is
io n
O p
e ra
ti n
g P
ro fi
t
IDR bn
472 308
519 510
290 602
690
97 305
967
610 372
410 645
799 819
775
623 1
,0 2
7 1
,1 6
8 1
,5 4
9 1
,7 4
4 1
,1 1
3 1
,3 2
9
1 ,3
1 ,0
1 7
1 ,5
2 8
1 ,4
8
829 1
,2 3
4
2000 2001
2002 2003
2004 2005
2006 2007
Q 1 PAT Q 2 PAT
Q 3 PAT Q 4 PAT
8.1 21.5
23.6
10.0 16.6
22.8 26.2
2.5
RoE - After Tax Annualized
Core Earning s Profit Afte r Tax ROE
O p
e ra
ti n
g
P e
rf o
rm a
n c
e
H ig
h li
g h
ts
17
Com m e rc ial Banking
Building Future
Growth Eng ine Le ve rag ing on
Our Cas h Ge ne rator
Stre ng the n Em e rg ing
Bus ine s s
1 1
3 3
Corporate Tre as ury
Cons um e r Financ e M ic ro Re tail
Banking
2 2
Optim izing Syne rg ie s
Ac ros s Bus ine s s Unit
Optim izing Syne rg ie s
Ac ros s Bus ine s s Unit
18
Rp billion
SBU H1 ‘07 Earning s b e fore Tax Unaud ite d
Future b usine sse s g e ne rate d larg e st p rofit in H1 2007 . . .
596
1,137 972
1,314 320
1,317
3,022
Corporate Treasury
Intl Commercial
Micro Retail
Consumer Finance
O thers, Incl. SAM
Profit Before Tax
19
11 8
- 3
- -
- Non-Op e rating Income
596 41
47 445
239 33
2 35
206 55
261 Tre asury
Int’l Total
Othe rs Cons
MRB Comm
Corp Y-T-D June 2007
3,022 1,317
320 1,314
972 1,137
Ne t Profit Be fore Tax 1,410
669 115
545 20
14 G A
Ove rhe ad 1,563
606 37
817 47
15 Pe rsonne l
1,656 171
88 691
72 189
Fe e Base d 5,524
8 7
1,810 515
689 Ne t Re ve nue
4,327 221
384 1,982
967 977
Total Ne t Re ve nue 5,324
88 7
1,885 527
705 Sp re ad
Liab ilitie s Re ve nue
200 96
- 75
11 16
De p . Ins 9.851
213 377
172 451
288 Ne t Re ve nue
1,744 988
117 160
248 176
Provision 11,595
775 494
332 699
464 Sp re ad
Asse t Re ve nue
Inte re st Income Inte re st Exp e nse
Strong franchise in all SBUs ind icate d b y solid p rofitab ility
20
705
464 189
45 1,313
176 1,137
Asset Spread
Liabilities Spread
Fees O verhead O perating
Profit Provisions
Profit After
PPAP
Contrib ution marg in g re w b y 83.4 , p rimarily d rive n b y liab ilitie s
Pe rform anc e to Date H1 ‘07 Contribution M arg in afte r PPAP
1,137
620
H 1 2006 H 1 2007
Corporate
Rp b n Rp b n
83.4
21
Strate g ic Alliance s w SBUs to se rve Prime Custome rs
Corporate
Providing Se rvic e s Bus ine s s De ve lopm e nt for Te le c om m unic ation Com pany
Providing Se rvic e s Bus ine s s De ve lopm e nt for Oil Gas Com pany
Targ e ts Fac ilitie s Offe re d
Groups
USD 200 bn Fore x Trans ac tions
Tre as ury Group
8, 900 c ard Cre dit Cards
Cons um e r Cards
USD 70 bn Loans to Coope rative
Sm all Bus ine s s
1, 500 Units EDCs
Fe e Inc om e of Rp1. 7 bn m onth
Paym e nt Points M as s
Ele c tronic Banking
Outs tanding Rp230 bn
Cons um e r Loans KPR, M itra Kary a
Cons um e r Loans
USD 7. 71 bn Fore x Trans ac tions
Rp39 bn Em ploye e Coope rative s
Rp50 bn Le nding to pe trol dis tributors
150 units EDC
M as s Ele c tronic
Banking
Rp50 bn Le nding to pe trol s ub-ag e nts
M ic ro Bus ine s s
1, 600 c ards Corporate Cards
Cons um e r Cards
Rp75. 1 bn Liabilitie s Produc ts
Inve s tm e nt Produc ts
143 Ne w Cus tom e rs
M andiri Prioritas M e m be rs hip
We alth M anag e m e nt
Targ e ts Fac ilitie s Offe re d
Groups
Rp3 tn M one y M arke t
Tre as ury Group
USD 1. 84 bn Trade Se rvic e
Com m e rc ial Banking
Rp37 bn De live ry Orde r SPBU
Sm all Bus ine s s
Rp1500 bn Cons um e r Loans Mitra Kary a
M andiri Cons um e r
Loans
22
448 1,235
560 2,178
1,385
357 4,843
420 5,540
300 113
3,387
W it hdrawn H 2 2007
2008 2008
Repaid T ot al
C redit s Approved
W ithdrawn H 2 2007
2008 2008
Repaid T ot al
C redits Approved
357 448
1.235 3.337
420 560
2.178 1.385
300
Rp b n
Corporate
Draw-downs c onc e ntrate d in 2008 and be yond Trans Java Toll Cre dit Approval
Non-Trans Java Toll Cre dit Approval
23
Pe rform anc e to Date H1 ‘07 Bre akdown of Tre as ury Fe e -Bas e d Inc om e
Rp b n
Sig nificant fe e income g e ne rator for the b ank
Tre as ury
596 55
651 90
445
261 35
Assets Spread
Liabilities Spread
Fee Based O verhead
O perating Profit
Provision N et Profit
Custody Fees; 3.8
Subsidiaries; 7.9
Forex; 30.4
Fixed Income; 42.6
PO L T ransfer;
3.6 O thers;
11.7
Earning on SBI Sale s c hang e s in value
24
972 248
1,220 67
72
699 516
Asset Spread
Liabilities Spread
Fees O verhead
O perating Profit
Provisions Profit After PPAP
Pe rform anc e to Date H1 ‘07 – PL Contribution M arg in afte r PPAP
972
649
H 1 2006 H 1 2007
Ge ne rating b alance d re ve nue s from an e me rg ing b usine ss
Rp b n Rp b n
Com m e rc ial
49.8
25
Com m e rc ial Ope rating Profit by Ge og raphy Jun ‘07 Com m e rc ial Loans by Se c tor
Com m e rc ial
Utilities 1.7
Mfg 33.2
O thers 12.1
Social Services
1.5 Services
5.5 Agri
8.3 Mining
2.9
Constr 15.5
Trans 5.0
Trading 14.3
O ther 11.9
Sumatera 15.7
Jakarta 55.1
Java ex- Jakarta
17.3
26
Solid g rowth in p rofitab ility d rive n b y imp roving liab ilitie s sp re ad
M ic ro Re tail
Pe rform anc e to Date H1 ‘07 Contribution M arg in afte r PPAP
1,314
733
H 1 2006 H 1 2007
Rp b n Rp b n
Includ e s De p osit Insurance
79.3
1,314 160
1,475 1,437
695
332 1,885
Asset Spread
Liabilities Spread
Fees O verhead O perating
Profit Provisions
Profit After
PPAP
27
Build ing a strong saving s d e p osit franchise
1 8
.0 2
2 .1
2 9
.6 4
.5 5
2 .0
4 9
.5 4
7 .8
4 4
.2 4
5 .2
4 1
.8 4
4 .7
4 6
.6 5
7 .6
5 7
.2 6
2 .5
11.0 24.9
24.5 22.8
31.7
17.1 16.0
17.5 11.6
Q 4
Q 4
1 Q
4
2 Q
4
3 Q
4
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
Savings D eposits Rp tn As of T otal D eposits
N ational Share of Savings D eposits
Saving s De pos it Growth
M ic ro Re tail
Trans ac tion c hanne l g rowth
4 9
2 .1
5 2
1 .8
5 5
4 .9
5 7
6 .6
6 7
.5 6
2 7
.6 6
6 5
.7 7
1 .2
6 7
7 .0
7 6
.3 7
5 9
.6
Avg AT M D aily Vol 000 W ithdrawalInquiry
T ransfer Payment
O ther
5 ,0
5 6
6 ,9
8 8
7 ,3
6 4
8 ,2
3 3
1 ,1
4 2
1 1
,4 3
5 1
2 ,1
4 1
1 ,8
1 3
679 1,0161,010
1,023 1,083
1,0861,053 1,175
1,472 1,722
1,4851,833
106 3
,8 8
3 ,2
3 3
,0 7
2 1,069
27
Q 4
Q 4
1 Q
4
2 Q
4
3 Q
4
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 uarterly C all C enter T rans. 000 Q uarterly SM S T rans. 000
28
642 843
202
Q 2 2006 Growth
Q 2 2007
1,069 1,140
71
Q 2 2006 Growth
Q 2 2007
245 430
185
Q 2 2006 Growth
Q 2 2007
Focus on Growing Hig h Yie ld Small Micro Loans
M ic ro Re tail
M ic ro Cre dits Rp Bn
Coope rative Cre dits Rp Bn
Loan Yie lds
13.2 26.8
14.5
31 7
76
Rural Bank Cre dits Rp Bn
29
7 494
88 152
437 117
320
Asset Spread
Liabilities Spread
Fees O verhead O perating
Profit Provisions
Profit After
PPAP
Pe rform anc e to Date H1 ‘07 Contribution M arg in afte r PPAP
320
232
H 1 2006 H 1 2007
Rp b n Rp b n
Sig nificant g rowth in sp re ad and fe e income
Exclud ing BSM
37.9
Cons um e r Financ e
30
328 1
,9 2
1 1
,9 1
8 1
,9 3
2 1
,9 3
8 1
,9 6
1 ,9
9 6
2 ,1
6 5
2 ,2
8 5
2 ,4
2 7
815 494
816 727
653 688
1 ,5
2 2
1 ,9
9 6
2 ,5
9 1
3 ,6
6 3
3 ,6
1 3
,5 7
4 3
,4 5
2 3
,2 5
2 ,8
8 5
3 ,0
5 3
,8 6
5
283 2
,8 5
2 3
,5 6
7 3
,4 4
3 ,5
2 2
3 ,6
6 6
3 ,8
6 7
3 ,9
7 9
4 ,0
3 3
4 ,1
3 1
4 ,2
2 3
4 ,2
1 7
1 ,9
3 2
,6 4
4
1 ,8
2 1
,2 7
1 ,2
6 1
,2 5
7 1
,4 2
6 1
,3 5
8 1
,2 9
3 1
,2 3
1 1
,2 4
1 1
,2 7
9 1
,3 6
7 1
,3 5
4 8
8 8
7 9
2 8
7 6
9 5
9 1
,5 4
4 1
,0 3
9 1
,0 1
7
2,000 4,000
6,000 8,000
10,000 12,000
14,000
Q 4
3 Q
4 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
O ther Cash Collateral Loans
Credit Cards Payroll Loans
Home Equity Loans Mortgages
Consume r le nd ing rose 8.1 Y-o-Y
2.12 16.06
Cash Collate ral Loans
5.06 14.95
Cre d it Card s
8.94 32.43
Payroll Loans
3.35 14.46
Home Eq uity Loans
5.05 11.95
Mortg ag e s
Growth
Q-o-Q Y-o-Y
8. 08
65.74 51.90
Othe r
Total Cons um e r
Loan Typ e
3. 81
Auto Motorcycle Loans channe le d or e xe cute d throug h finance comp anie s = Rp 3.43 tn in our Comme rcial Loan
Portfolio
Quarte rly Cons um e r Loan Balanc e s by Type Cons um e r Loan Growth by Type
Cons um e r Financ e
9 6
6 k
V is
a C
a rd
s m a
d e
Q 2
t ra
n sa
c ti
o n
s o f R
p 1
,1 4
8 b
n
M a
n d
ir i V
is a
C a
rd H
o ld
e rs
a n
d EO
Q R
e c
e iv
a b
le s
1,426.2 1,357.5
1,292.8 1,230.7
1,279.4 1,367.4
1,205.8
567.5 814.9
1,270.2 1,256.6
1,353.6 1,240.8
9 6
6 .4
7 8
4 .1
2 2
5 .7
6 5
.7 7
9 .4
7 5
2 .4
8 7
2 .5
Q 4 02 Q 4 03
Q 4 04 Q 1 05
Q 2 05 Q 3 05
Q 4 05 Q 1 06
Q 2 06 Q 3 06
Q 4 06 Q 1 07
Q 2 07
R e
c e
iv ab
le s
R p
B n
C a
r d
s s
250 332
504 535
521 532
606 600
553 621
755 836
936 1,067
6 8
7 2
6 8
6 7
6 2
8 6
4 8
2 4
1 6
1 1
8 8
2 3
4 2
3 1
1 1
7 1
5 6
8 1
6 2
2 2
3 3
7 3
6 1
5 7
5 9
Q 1 04 Q 2 04
Q 3 04 Q 4 04
Q 1 05 Q 2 05
Q 3 05 Q 4 05
Q 1 06 Q 2 06
Q 3 06 Q 4 06
Q 1 07 Q 2 07
T r
a n
sf e
r B
a la
n c
e
C a
sh A
d v
a n
ce
R e
ta il
V is
a C
a rd
Q u
a rt
e rl
y S
a le
s b
y T
y p
e o
f T ra
n s
a c
ti o
n R
p B
C o
n s
F in
32
1,200 Me rchants Comp are Q2- 06 to Q2-07 : 59 g rowth in sale s, 15 g rowth in re ce ivab le s, and
23 g rowth numb e r of card s
Cons um e r Financ e
200 Prim e M arke ting Prog ram Ac quis ition Ac tivation
600 Loc al M arke ting Prog ram
Powe r Buy alliance with 74 me rchants, e xamp le : Carre four, Ag is, Ele ctronic Solution, Ele ctronic City, Trikomse l, Glob al
Te le shop , Op tik Tung g al, Oke Shop , Hyp e rmart, Be st De nki, e tc.
Promo Prog rams with Hote ls, Airline s, Café s Re sto, e xamp le : Izzi Pizza, Haag e n Daaz, Exce lso
Comp any Solicitation of Corp orate Clie nts Powe r Cash Prog ram
Powe r Bill Powe r Buy with 22 me rchants in the re g ions
Discount p rog ram working with anchor re g ional me rchants, e xamp le : ADA Swalayan Se marang , Tiara De wata Bali,
Yaohan Sp m, Yog ya De p t Store , Hyp e rmart, Giant Acq uisition p rog ram throug h p ayroll
Local loyalty for active use rs, e .g .: Romantic Duo in Bali
33
2007 Major Goals
Gross NPL b e low 10 and Ne t NPL b e low 4 Fulfill all crite ria to b e consid e re d an anchor b ank consolid ator b ank as of the e nd
of 2007 ROE imp rove me nt to 13 - 15 e nvisione d a normalize d ROE of ab ove 18 starting
from 2008 Gross loan g rowth of more than Rp 20 trillion or 18
Ab ove 30 g rowth in consume r loan d rive n b y ke y p rod ucts: cre d it card , mortg ag e , p ayroll loan, and auto loan throug h channe ling and alliance s
Ab ove 30 g rowth in corp orate loan d rive n b y ke y se ctors: CPO, infrastructure toll road s e ne rg y, te le communication and consume r g ood s
Major le ap in saving d e p osit to more than Rp 60 trillion Marg in imp rove me nt to ap p roximate ly 5 , d rive n b y major NPL re cove ry, strong
asse t g rowth and continuous imp rove me nt in fund ing mix Re tain e fficie ncy ratio b e low 50
Custome r se rvice satisfaction le ad e r in the ind ustry Imp le me nt b e st p ractice Strategic Business Unit op e rating mod e l
S u
p p
o rt
in g
M a
te ri
a ls
35
25. 13
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