17
Non-Loan Related Fees Commissions 1Q
2016 4Q
2015 1Q
2015 Y-o-Y
Q-o-Q Δ
Δ
Administration Fees 763
840 644
18.5 9.3
Opening LC, BG Cap Market custodian trustee 264
308 253
4.4 14.4
Subsidiaries 321
9 376
14.7 NA
Transfer, Retail Transaction 538
599 443
21.4 10.3
Credit Cards 354
382 379
6.6 7.2
Mutual Fund, ORI Bancassurance 84
109 93
9.3 23.0
Syndications 58
80 7
NA 27.2
Payroll Package 18
20 17
1.6 11.0
Others 132
113 137
4.0 16.0
Total 2,531
2,443 2,349
7.7 3.6
Foreign Exchange Gains 417
844 388
7.5 50.6
Gains Fr Sale Incr. in Value of Sec. Gov. Bonds 203
178 230
11.7 14.3
Cash Recoveries 571
1,161 535
6.7 50.8
Other Income 482
854 376
28.1 43.6
Total Fee Based Income As Reported 4,203
5,479 3,877
8.4 23.3
of Non Loan Related fees to total opr. income 24.4
28.7 26.2
18
1 ,524
1 ,510
1 ,883
2 ,107
1 ,614
2 ,004
2 ,071
2,565 2
,034 2
,322 2
,375 3
,167 2
,309 2
,693 2
,958 3
,488 2
,574 3
,173 3
,322 3
,730 3
,305 1
,547 1
,631 1,671
1 ,903
1 ,865
1 ,939
1 ,869
2 ,372
2 ,042
2 ,336
2 ,679
2 ,374
2 ,626
2 ,662
2 ,752
2 ,807
2 ,920
3 ,109
2,903 3
,444 3
,406
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 2Q
14 3
Q 14
4 Q
14 1
Q 15
2 Q
15 3
Q 15
4 Q
15 1
Q 16
GA Expenses Personnel Expenses
Breakdown of 1Q 2016 Operating Expenses Quarterly Consolidated Operating Expenses CIR
Rp Bn Rp Bn
32.4 37.3
39.0 41.6
44.0 43.2
42.7 51.3
41.1 43.1
42.5 48.4
41.8 43.2
46.6 44.4
44.4 45.2 40.1
42.7 44.5
CIR
Q1 2016 Q4 2015
Q1 2015 Growth
QoQ YoY
Personnel Expenses
Base Salary 879
786 759
11.8 15.7
Other Allowances 1,635
1,485 1,403
10.1 16.5
Post Empl. Benefits 96
191 92 49.6
5.3 Training
81 287
34 71.7 138.8
Subsidiaries 714
694 632
2.8 13.0
Total Personnel Expenses 3,406
3,444 2,920
1.1 16.6
GA Expenses
IT telecoms 540
484 392
11.4 37.7
Occupancy Related 621
889 567 30.1
9.5 Promo Sponsor
293 426
165 31.3 77.6
Transport Travel 150
184 122 18.7
22.5 Goods, Prof. Svcs. Oth.
437 550
280 20.5 56.2
Employee Related 553
494 448
11.9 23.3
Subsidiaries 711
702 599
1.3 18.6
Total GA Expenses 3,305
3,730 2,574
11.4 28.4
Other Expenses 862
906 987
4.8 12.7 Total Operating Expenses
7,572 8,080
6,481 6.3
16.8
Top 10 Industries in Corporate Lending Expansion 1Q
6 – 1Q 5 Total Rp11.22 Tn
Rp Bn
651 832
877 924
1,458 1,738
1,871 1,932
2,762 3,506
Mfg-FB Mining-Oil Gas
Electricity Household Equip.
Mining-Metal Ore Plantations
Mfg-PP Real Estate
Mfg-RawM Mfg-Chem
31.24
24.61 17.21
16.67 15.48
12.99 8.24
7.82 7.41
5.80
Rp Bn
Top 10 Industries in Commercial Lending Expansion 1Q 16
– 1Q 15 Total Rp8.50 Tn
548 668
682 718
774 877
1,019 1,270
1,447 6,328
Mfg-FB Trad-Distr
Real Estate Health
Comm Mfg-Text
Trad-Imp Trad-Exp
Mfg-Chem Plantations
74.4
17.0 14.9
12.0 10.3
9.1 8.4
8.0 7.9
6.4
19
Whol esal
e Transacti
ons Dri
vi n
g CASA
Whol esal
e CAS A
Deposi ts
Rp Bn
58,055 62,257
61,691 53,604
74,116 89,959
74,334 73,192
140,278 92,594
126,430
- 20
,000 40
,000 60
,000 80
,000 100
,000 120
,000 140
,000 160
,000
2007 2008
2009 2010
2011 2012
2013 2014
2015 1Q15
1Q16
36 .5
Y o
Y Gr
o w
th
745 2,414
4,066 6,153
7,784 10,943
11,899 12,932
13,629 13,873
14,105 14,397
14,676 15,101
15,565
2006 2007
2008 2009
2010 2011
2012 2013
3Q14 4Q14
1Q15 2Q15
3Q15 4Q15
1Q16
Ca sh
Ma na
g em
en t
Use rs
248 677
1,178 2,201
2,657 3,598
3,989 4,484
4,832 5,123
5,266 5,384
4Q10 4Q11
4Q12 4Q13
1Q14 2Q14
3Q14 4Q14
1Q15 2Q15
3Q15 4Q15
A ver
age of
Ca sh
Ma na
g em
en t
000 ,
t ot
al 17
.1 Mn
tr an
sact ion
s in
1 Q
2016
E xc
lud ing
M an
di ri
T ran
sa ct
io n
S yst
e m
21 Forex
34 42
63 61
56 41
10 11
281,153 310,512
322,795 399,500 379,730
348,436
117,379 106,291
- 50,000
100,000 150,000
200,000 250,000
300,000 350,000
400,000 450,000
- 10.0
20.0 30.0
40.0 50.0
60.0 70.0
80.0 90.0
Dec 10 Dec 11 Dec 12 Dec 13 Dec 14 Dec 15 Mar 15 Mar 16
Value USD Bn of Trx
Wholesale Remittance
70 94
121 135
146 126
32 22
435,866 448,219
599,909 651,241
739,046 730,011
201,050 125,510
- 100,000
200,000 300,000
400,000 500,000
600,000 700,000
800,000
- 20.0
40.0 60.0
80.0 100.0
120.0 140.0
160.0 180.0
Dec 10 Dec 11 Dec 12 Dec 13 Dec 14 Dec 15 Mar 15 Mar 16
Value USD Mn of Trx
Mandiri Cash Management
549 818
1 ,519
2 ,231
3 ,120
3 ,778
894 897
2,503 7,668
13,676 24,543
44,184 61,599
14,495 17,112
25,000 15,000
5,000 5,000
15,000 25,000
35,000 45,000
55,000 65,000
- 500.0
1,000.0 1,500.0
2,000.0 2,500.0
3,000.0 3,500.0
4,000.0 4,500.0
5,000.0
Dec 10 Dec 11 Dec 12 Dec 13 Dec 14 Dec 15 Mar 15 Mar 16
Value Rp Bn of Trx 000
Trade Transactions : Export, Import, Domestic
Excluding Mandiri Transaction System
85 110
125 133
137 127
30 23
495,813 510,916
517,251 520,948
509,207 468,870
113,571 101,017
- 100,000
200,000 300,000
400,000 500,000
600,000
- 20.0
40.0 60.0
80.0 100.0
120.0 140.0
160.0 180.0
200.0
Dec 10 Dec 11 Dec 12 Dec 13 Dec 14 Dec 15 Mar 15 Mar 16
Value USD Bn of Trx
22
107. 3
112 .7
120 .4
134 .0
132 .7
140 .6
146 .1
165 .0
157 .5
166 .8
176 .3
190 .9
179 .0
180 .8
184 .7
202 .6
182. 5
186 .0
188 .0
209 .8
193 .0
11.7 11.9 11.5
11.3 12.7 12.8
13.0 13.7
14.7 15.6
18.4 20.7
21.0 22.0 21.8
24.0 22.2 23.2
24.3 23.1
21.1
10.5 11.9
12.2 15.7 14.6
15.4 16.1
18.6 17.0
16.7 28.6
33.0 29.7 33.6
34.4 40.2
33.5 36.4 25.0
31.9 29.0
3.5 3.5 4.1
4.2 4.3
4.3 10.7
11.4 12.1
11.9 13.1 13.0
12.8 14.4
7.8 7.6
6.9
69.0 68.6
70.8 73.1 71.6
70.3 71.5
71.4 72.1
70.7 80.2
84.5 88.4
100.1 108.3
120.0 119.2
116.0 110.0
110.3 112.2
5.3 5.2
5.2 5.3 5.0
5.0 5.1
5.0 4.7
4.6 6.4
7.0 6.3
7.0 7.2
9.5 9.0 7.8
7.7 7.4
6.9
20 40
60 80
100 120
140 160
180 200
220 240
260 280
300 320
340 360
380 400
420 440
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 4Q
14 1
Q 15
2 Q
15 3
Q 15
4 Q
15 1
Q 16
Rp Savings Deposits FX Savings Deposits
Rp Demand Deposits FX Demand Deposits
Rp Time Deposits FX Time Deposits
Retail Deposit Analysis – Bank Only
2.32.3 2.2 2.8
2.0 1.7 2.2
1.8 1.9 2.0 2.0 2.0 2.1
1.9 2.1 2.1
2.0 2.2
2.4 2.1
1.5 1.5
1.5 1.5
1.5 1.3 1.2 1.2 1.3
6.3 6.5
6.3 5.7
5.0 5.1
5.0 5.5
7.0 7.3
8.3 7.8
7.4 7.5
7.2 6.9
5 10
Rp DD Rp Savings
Rp TD
Average Quarterly Deposit Costs
0.1 0.1
0.1 0.3
0.2 0.3
0.3 0.3
0.3 0.3 0.4
0.2 0.3
0.5 0.4
0.7 0.8 0.8
0.7 0.6 0.6
1.2 1.2 1.3
1.8 1.2
0.8 0.6
0.5
0.0 0.5
1.0 1.5
2.0
1 Q
11 2
Q 11
3 Q
11 4Q
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
4Q 15
1 Q
16 FX DD
FX TD 64.9
66.1 63.8
66.5 70.1
72.5 71.6 73.0 73.7
71.9 69.9
68.8 66.2
67.7 67.6
69.8 67.7
CASA as of total deposits
23
60 ,676
63 ,323
66 ,851
73, 324
81 ,046
84 ,675
91 ,504
96 ,268
105 ,192
108 ,434
118 ,788
123 ,833
130 ,158
131 ,857
140 ,189
146 ,744
155 ,338
158 ,173
165 ,304
167, 429
175 ,211
173 ,739
27.7 28.6
27.6 28.3
29.6 29.6
29.8 30.2
30.9 31.8 31.7
31.3 31.2
31.8 32.6
32.5 32.7
33.1 33.3
33.3 32.7
33.8
20 22
24 26
28 30
32 34
30,000 40,000
50,000 60,000
70,000 80,000
90,000 100,000
110,000 120,000
130,000 140,000
150,000 160,000
170,000 180,000
190,000 200,000
4 Q
2010 1
Q 2011
2 Q
2011 3
Q 2011
4 Q
2011 1
Q 2012
2 Q
2012 3
Q 2012
4 Q
2012 1
Q 2013
2 Q
2013 3
Q 2013
4 Q
2013 1
Q 2
1 4
2 Q
2014 3
Q 2014
4 Q
2014 1
Q 2015
2 Q
2015 3
Q 2015
4 Q
2015 1
Q 2016
Retail to Total Loans
Retail to Total Loans
Micro Credit Business Banking
Consumer Finance
Rp Bn
65,650 73,413
7,762
1Q2015 Growth
1Q2016
YoY 11.8
Consumer Finance Rp Bn
Business Banking
55,296 56,108
812
1Q2015 Growth
1Q2016
YoY 1.5
Rp Bn Micro Credit
37,227 44,218
6,991
1Q2015 Growth
1Q2016
YoY 18.8
Strong Mi
crofi n
ance Grow
th
200 300
502 687
898 994
994
600 800
800 878
928 1,027
1,127 1,427
1,427
10 152
480 710
760 751
706 653
653
6 6
2008 2009
2010 2011
2012 2013
2014 2015
1Q 16
Bra n
ch Unit
Ki o
sk C
a sh
O u
tl e
t
Cus tome
rs 0
Ne tw
or k
Of Ne w
Cus tome
rs
73,566 79,500
76,325 94,855
74,037 110,000
121,007 146,359
126,509 140,064
131,715 147,825
138,747 160,620
136,196 162,181
140,886 167,145
158,909 162,738
134,501 138,500
97,164 127,828
1Q 10 2Q 10
3Q 10 4Q 10
1Q 11 2Q 11
3Q 11 4Q 11
1Q 12 2Q 12
3Q 12 4Q 12
1Q 13 2Q 13
3Q 13 4Q 13
1Q 14 2Q 14
3Q 14 4Q 14
1Q 15 2Q 15
3Q 15 4Q 15
271 430
562 694
815 889
1 ,009
1 ,112
1 ,135
2008 2009
2010 2011
2012 2013
2014 2015
1Q 16
25
13 ,500
14 ,268
15 ,523
16 ,466
17,779 18
,764 20
,113 20
,919 22
,818 24
,092 26
,135 27
,357 26
,995 26
,690 26
,505 26
,347 26
,495 26
,207 26
,340 26
,369 26,832
26 ,869
3 ,957
3 ,964
3 ,979
3 ,949
3 ,887
3 ,777
3 ,679
3 ,571
3 ,471
3 ,365
3 ,312
3 ,240
3 ,181
3 ,172
3,198 3
,240 3
,310 3
,326 3
,432 3
,534 3
,739 3
,892 6
,374 6
,398 6
,708 6
,861 6
,995 7
,143 7
,412 7
,753 8,206
8 ,386
8 ,958
9 ,374
9 ,781
10 ,030
10 ,642
11 ,253
11 ,880
12 ,201
12 ,838
13 ,408
14 ,103
14 ,497
3 ,589
3 ,575
3,761 3
,910 4
,296 4
,245 4
,492 4
,590 5
,035 5
,025 5
,195 5
,303 5
,620 5
,557 6
,855 7
,568 8
,288 8
,343 8,751
8 ,683
8 ,970
8 ,768
2 ,826
3 ,454
3 ,492
4 ,200
5 ,115
5 ,829
6 ,593
6 ,609
7 ,209
7 ,486
7 ,905
9 ,013
10,218 11
,083 12
,260 13
,271 13
,983 14
,890 15
,630 16
,641 17
,608 18
,344
447 698
791 873
928 964
1,016 1,037
1,010 966
927 904
809 840 805
765 750
683 733
892 998
1,043
5,000 10,000
15,000 20,000
25,000 30,000
35,000 40,000
45,000 50,000
55,000 60,000
65,000 70,000
75,000 80,000
85,000
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
1 4
3 Q
14 4
Q 14
1 Q
15 2
Q 15
3 Q
15 4
Q 15
1 Q
16 Other
Auto Credit Cards
Payroll Loans Home Equity Loans
Mortgages
Loan Type Growth
Y-o-Y Q-o-Q
Other 52.72
4.48 Auto Loans
23.20 4.18
Credit Cards 5.09
-2.26 Payroll Loans
18.82 2.79
Home Equity Loans 17.02
4.09 Mortgages
2.53 0.14
Total Consumer 11.82
1.61 Quarterly Consumer Lending Balances by Type
Consumer Lending Growth by Type
Rp 73.4 Tn
Auto Motorcycle Loans channeled or executed through finance companies = Rp 9.1 Tn in our Commercial Portfolio
26 Quarterly Transaction Value Rp Tn
Quarterly Users Mn
95.5 122.2
147.7 153.8
170.0 179.3
191.2 192.6
208.1 210.0
241.5 245.0
236.8
2.1 3.5 4.1 5.0
6.6 8.3 10.5
17.6 28.3
35.7 38.9
53.0 55.3
7.1 14.0
18.1 23.5 26.8
29.4 33.3 33.3
34.5 46.7
32.6 36.1
20 40
60 80
100 120
140 160
180 200
220 240
4 Q
09 4
Q 10
1 Q
11 2
Q 11
3Q 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 3Q
15 4
Q 15
1 Q
16 ATM
Mobile Banking Internet Banking
7.7 8.6
8.2 9.2
10.0 10.6
11.1 11.6
11.8 12.4
12.6 12.6
3.2 4.7
4.9 5.3
5.6 5.8
6.1 6.3
6.5 6.7 6.8
6.9 7.0
1.2 1.0 1.1
1.2 1.3 1.4 1.5 1.6
1.7 1.8 1.9 2.0
2 4
6 8
10 12
14
4 Q
09 4
Q 10
1 Q
11 2
Q 11
3 Q
11 4
Q 11
1 Q
12 2
Q 12
3Q 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
Debit Cards Mobile Banking
Internet Banking
Quarterly Transaction Volume Mn
142 157
184 189
212 218 233 235
246 249 268
293 295
287
39 36
44 41 43 41 39
44 51
53 47
48 50
46
12 18
23 26 32 31 34
57 70
113 172
196 190
17 42
55 78
85 67
76 81
89 117
102 117
131
25 50
75 100
125 150
175 200
225 250
275 300
4 Q
09 4
Q 10
1 Q
11 2
Q 11
3Q 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 3Q
15 4
Q 15
1 Q
16 ATM
Branch Mobile Banking
Internet Banking
27
Volume Mandiri Business Saving Account Rp Tn
Numbers of EDC
23,690 27,611
33,732 47,127
92,903 180,532
230,352 270,352
286,861 287,605
2007 2008
2009 2010
2011 2012
2013 2014
2015 1
Q 16
Fee Income from e-channel Tx Rp Bn
52.1 89.4 126.2 200.3 258.2
315.2 347.6 414.7
604.3 711.7
65.5 98.5
166.6 196.5
285.7 318.6
382.0 490.3
663.4
81.9 110.5
194.5 249.3
313.9 361.8
437.5 489.2
683.3
89.0 117.8
223.7 268.5
312.8 464.4
512.9 664.8
771.0
2007 2008
2009 2010
2011 2012
2013 2014
2015 2016
Q4 Q3
Q2 Q1
17.8 YoY
Growth
3.5 4.8 8.0
17.7 34.7
59.4 85.8
102.3 108.5
87.5 93.1
2007 2008
2009 2010
2011 2012
2013 2014
2015 1
Q 15
1 Q
16
6.4 YoY
Growth
28
Fiesta Point Program
A program to get points based on savings average balance and of transactions through e-channel or branch, so that customer has the
opportunity to earn immediate prizes.
Mandiri Belanja Untung Program
Prizes for buyers who do the transactions in the merchant as a participants, or using Mandiri EDC. For sellers, they have the
opportunity to be included into the national lucky draw.
Belanja Hoki Dagang Hoki Program
Co-promotion with the ITC Group for the merchants and the buyers who transact in ITC using Mandiri Debit and also a reward program
for the building management.
MTB Transaction Volume
201 ,106
212 ,844
261 ,935
265 ,423
272 ,212
290 ,019
306 ,831
349 ,868
299 ,417
322 ,587
308 ,832
348 ,059
267 ,195
9,235 10,601
11,385 12,616
12,773 14,068
14,508 16,052
15,996 17,444
17,101 18,373
20,186
- 3,000
6,000 9,000
12,000 15,000
18,000 21,000
- 50,000
100,000 150,000
200,000 250,000
300,000 350,000
400,000
1 Q
13 2
Q 13
3 Q
13 4Q
1 3
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
of Volume of Transactions 000
MIB Transaction Value Users SME Business w Mandiri Acc
543,972 643,334
789,300 845,073
822,506
2012 2013
2014 2015
1Q 2016
18 ,528
25 ,857
32 ,273
42 ,582
47 ,304
53 ,124
57 ,447
73 ,666
79 ,970
88 ,013
79 ,173
89 ,389
89, 906
11,535 13,542
15,312 15,971
17,802 18,216
22,570 24,676
26,441 28,122
27,591 29,040 29,967
1Q 13
2Q 13
3Q 13
4Q 13
1Q 14
2Q 14
3Q 14
4Q 14
1Q 15
2Q 15
3Q 15
4Q 15
1Q 16
Transaction Value Rp Bn of Active Users
14,058 13,451
13,502 15,918
17,255 17,124
19,559 18,838
18,886 18,824
19,054 16,924
14,846 14,292
13,336 12,986
13,944 13,606
15,676 14,856
15,626 16,989
17,672 17,755
19,272 21,586
23,825 22,958
27,116 29,549
28,547 27,078
11 .5
10 .0
9 .2
9 .1
9 .8
9 .4
10 .4
9 .5
9 .4
8 .6
8 .2
6 .9
5 .9
5 .2
4 .5
4 .1
4 .3
3 .9
4 .3
3 .8
4 .0
4 .0
3 .9
3 .8
4 .1
4 .4
4 .7
4 .3
5 .1
5 .3
5 .1
2 ,000
4 ,000
6 ,000
8 ,000
10 ,000
12,000 14
,000 16
,000 18
,000 20
,000 22
,000 24
,000 26
,000 28
,000 30
,000 32
,000 34
,000 1Q08
2Q08 3Q08
4Q08 1Q09
2Q09 3Q09
4Q09 1Q10
2Q10 3Q10
4Q10 1Q11
2Q11 3Q11
4Q11 1Q12
2Q12 3Q12
4Q12 1Q13
2Q13 3Q13
4Q13 1Q14
2Q14 3Q14
4Q14 1Q15
2Q15 3Q15
S p
ec ial
M ent
ion S
p ec
ial M
ent ion
Rat io
NPL Mo vem
en t
- Cons
ol ida
ted
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 2.21
2.22 2.07
2.04 1.87
2.08 1.89
1.90 1.90
2.07 2.23
2.16 2.15
2.27 2.43
2.81 2.60
3.18
116 .0
122 .5
138 .9
127 .1
116 .6
136.1 155
.2 206
.0
191 .7
192 .4
155 .5
185 .1
185 .1
189 .6
193 .4
185 .5
187 .6
185 .3
170 .3
157 .4
157 .1
150.5 137
.7 136
.2 145
.5 131
.9
1Q 08 2Q 08
3Q 08 4Q 08
1Q 09 2Q 09
3Q 09 4Q 09
1Q 10 2Q 10
3Q 10 4Q 10
1Q11 2Q11
3Q11 4Q11
1Q12 2Q12
3Q12 4Q12
1Q13 2Q13
3Q13 4Q13
1Q14 2Q14
3Q14 4Q14
1Q15 2Q15
3Q15 4Q15
1Q16
Gr os
s NPL
R a
ti o
Pr ovNPL
Gross N
PLs 3
.18 ,
Coverage at
131 .9
- Category
2 at
5 .5
Ca tegory
2 Loans
30
Non-Performing Loans by Segment Movement by Customer Segment Rp Bn
Non-Performing Loan Movements Rp Tn – Bank-Only
Excluding loans to other banks
12.28
0.11 4.85
0.22 2.23
0.32
14.88
4Q 2015 UG to PL DG to NPL Payment Write-Offs Other
1Q 2016
- 225
455 -
2,943
778 744
298
33 640
304
59 294
394
- 500
1,000 1,500
2,000 2,500
3,000 3,500
4,000 4,500
5,000
UG to PL DG to NPL
WO Corp
Comm Small
Micro Cons
NPLs 1Q
NPLs Rp tn
Rp tn Corporate
2.32 0.28
1.25 Commercial
6.76 2.16
4.40 Small
2.65 0.37
4.72 Micro
1.76 0.22
3.97 Consumer
