SUBORDINATED LOANS continued December 31, December 31,
38. TEMPORARY SYIRKAH FUNDS continued
a. Deposits from Customers continued 2 Saving Deposits continued a. Based on type continued: The saving deposits - restricted investment represent deposit from third parties which will receive return from Subsidiary’s restricted investment based on the agreed share nisbah of the Subsidiary’s revenue. The Mudharabah saving deposits - unrestricted investment represent third parties’ deposits which will receive return from Subsidiary’s investment based on the agreed share nisbah of the Subsidiary’s revenue. b. Ranging of the Annual Profit Sharing Ratio for Mudharabah Saving Deposits - unrestricted investment: December 31, December 31, 2015 2014 Profit sharing ratio 0.22 - 5.46 0.22 - 5.25 3 Mudharabah Time Deposit - Unrestricted Investment December 31, December 31, 2015 2014 Rupiah Related parties Note 55 195,996 455,067 Third parties 27,228,698 27,353,981 Total 27,424,694 27,809,048 Foreign currency Related parties Note 55 242,301 163 Third parties 3,620,542 4,126,695 Total 3,862,843 4,126,858 31,287,537 31,935,906 b. Deposits from Other Banks December 31, December 31, 2015 2014 Third parties Mudharabah saving deposits - unrestricted investment 244,385 163,544 Mudharabah time deposits - unrestricted investment 73,548 78,761 317,933 242,305 PT BANK MANDIRI PERSERO Tbk. AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS As of December 31, 2015 and for the year then ended Expressed in millions of Rupiah, unless otherwise stated 16138. TEMPORARY SYIRKAH FUNDS continued
c. Other significant information related to the time deposits for deposits from customers and deposits from other banks. 1 By contract period: December 31, December 31, 2015 2014 Rupiah: 1 month 20,814,126 1,382,343 3 months 3,204,667 2,470,300 6 months 1,124,115 3,347,624 12 months 2,355,334 20,687,542 Total 27,498,242 27,887,809 Foreign currency: 1 month 3,072,455 109,638 3 months 282,518 232,991 6 months 315,341 1,585,296 12 months 192,529 2,198,933 Total 3,862,843 4,126,858 31,361,085 32,014,667 2 By remaining period until maturity date: December 31, December 31, 2015 2014 Rupiah: Less than 1 month 21,654,675 21,278,429 1 - 3 months 3,314,400 3,830,385 3 - 6 months 1,152,496 1,200,898 6 - 12 months 1,376,671 1,578,097 Total 27,498,242 27,887,809 Foreign currency: Less than 1 month 3,318,078 3,799,870 1 - 3 months 71,628 217,363 3 - 6 months 316,410 40,141 6 - 12 months 156,727 69,484 Total 3,862,843 4,126,858 31,361,085 32,014,667 Mudharabah time deposits represent third parties’ deposits which received a profit sharing return from the Subsidiary’s income over utilisation of its fund based on an agreed profit sharing ratio arranged in Mudharabah Muthlaqah agreement.Parts
» Bank Mandiri Tbk Eng 31 Des 2015 Released
» Merger GENERAL INFORMATION a. Establishment
» Recapitalisation GENERAL INFORMATION continued b. Merger continued
» Divestment of Government Share Ownership
» GENERAL INFORMATION continued g. Subsidiaries associates
» GENERAL INFORMATION continued g. Subsidiaries associates continued
» GENERAL INFORMATION continued g. Subsidiaries and Associates continued
» Structure and Management GENERAL INFORMATION continued g. Subsidiaries and Associates continued
» GENERAL INFORMATION continued h. Structure and management continued
» Basis of Preparation of the Consolidated Financial Statements
» Financial assets Changes in accounting policies
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued c. Financial instruments continued
» Foreign currency transactions and balances
» Transactions with related parties
» Current accounts with Bank Indonesia and other banks
» Placements with Bank Indonesia and other banks
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Securities purchasedsold under resalerepurchase agreements
» Derivative receivables and derivative payables
» Loans and sharia receivablesfinancing
» Consumer financing receivables SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued l.
» Net investment in lease financing
» Fixed assets and software continued
» Allowance for possible losses on non-earning assets
» Acceptance receivables and payables
» Other assets SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued s. Investments in shares
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued z. Insurance contract continued
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued ad. Income tax continued
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued ae. Temporary syirkah funds continued
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued ah. Fees and commissions income
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued ai. Employee benefits continued
» Pension programs Insurance liabilities on insurance contracts
» Deferred tax assets Depreciation and estimated useful life of fixed assets
» Impairment of non-financial assets
» CURRENT ACCOUNTS WITH BANK INDONESIA December 31, December 31,
» CURRENT ACCOUNTS WITH BANK INDONESIA continued
» CURRENT ACCOUNTS WITH OTHER BANKS
» CURRENT ACCOUNTS WITH OTHER BANKS continued
» PLACEMENTS WITH BANK INDONESIA AND OTHER BANKS continued
» MARKETABLE SECURITIES MARKETABLE SECURITIES continued
» MARKETABLE SECURITIES continued Bank Mandiri Tbk Eng 31 Des 2015 Released
» MARKETABLE SECURITIES continued MARKETABLE SECURITIES continued
» MARKETABLE SECURITIES continued GOVERNMENT BONDS
» GOVERNMENT BONDS continued Bank Mandiri Tbk Eng 31 Des 2015 Released
» OTHER RECEIVABLES - TRADE TRANSACTIONS
» OTHER RECEIVABLES - TRADE TRANSACTIONS continued
» SECURITIES PURCHASED UNDER RESALE AGREEMENTS
» SECURITIES PURCHASED UNDER RESALE AGREEMENTS continued
» DERIVATIVE RECEIVABLES AND PAYABLES
» DERIVATIVE RECEIVABLES AND PAYABLES continued
» LOANS AND SHARIA FINANCINGRECEIVABLES continued
» 2 By type and Bank Indonesia’s collectibility:
» CONSUMER FINANCING RECEIVABLES continued
» NET INVESTMENT FINANCE LEASES
» NET INVESTMENT IN FINANCE LEASE continued ACCEPTANCES RECEIVABLE
» ACCEPTANCES RECEIVABLE continued Bank Mandiri Tbk Eng 31 Des 2015 Released
» INVESTMENT IN SHARES continued
» FIXED ASSETS Bank Mandiri Tbk Eng 31 Des 2015 Released
» FIXED ASSETS continued Bank Mandiri Tbk Eng 31 Des 2015 Released
» FIXED ASSETS continued Others continued INTANGIBLE ASSETS December 31, December 31,
» OTHER ASSETS December 31, December 31,
» OTHER ASSETS continued DEPOSITS FROM CUSTOMERS - DEMANDWADIAH DEMAND DEPOSITS
» DEPOSITS FROM CUSTOMERS - SAVINGWADIAH SAVING DEPOSITS continued
» DEPOSITS FROM CUSTOMERS - TIME DEPOSITS continued
» DEPOSITS FROM OTHER BANKS - DEMANDWADIAH DEMAND AND SAVING DEPOSITS
» DEPOSITS FROM OTHER BANKS - DEMANDWADIAH DEMAND AND SAVING DEPOSITS continued
» DEPOSITS FROM OTHER BANKS - INTER-BANK CALL MONEY
» DEPOSITS FROM OTHER BANKS - TIME DEPOSITS
» LIABILITY TO UNIT-LINKED HOLDERS
» LIABILITY TO UNIT-LINKED HOLDERS continued
» LIABILITY TO UNIT-LINKED HOLDERScontinued
» SECURITIES SOLD UNDER REPURCHASE AGREEMENTS
» ACCEPTANCES PAYABLE Bank Mandiri Tbk Eng 31 Des 2015 Released
» MARKETABLE SECURITIES ISSUED Bank Mandiri Tbk Eng 31 Des 2015 Released
» MARKETABLE SECURITIES ISSUED continued Bonds continued
» MARKETABLE SECURITIES ISSUED continued Subordinated Notes Sharia Mudharabah
» MARKETABLE SECURITIES ISSUED continued
» Prepaid taxes December 31, December 31,
» TAXATION continued b. Taxes payable
» TAXATION continued d. Tax expense - current
» TAXATION continued d. Tax expense - current continued
» Tax on fixed assets revaluation
» Tax collection letter Fiscal year 2014
» EMPLOYEE BENEFIT LIABILITIES December 31, December 31,
» OTHER LIABILITIES continued Bank Mandiri Tbk Eng 31 Des 2015 Released
» FUND BORROWINGS continued December 31, December 31, FUND BORROWINGS continued
» FUND BORROWINGS continued Bank Mandiri Tbk Eng 31 Des 2015 Released
» FUND BORROWINGS continued FUND BORROWINGS continued
» SUBORDINATED LOANS continued December 31, December 31,
» SUBORDINATED LOANS continued Two-Step Loans TSL continued TEMPORARY SYIRKAH FUNDS
» TEMPORARY SYIRKAH FUNDS continued
» Authorised, Issued and Fully Paid Capital
» SHARE CAPITAL continued a. Authorised, Issued and Fully Paid Capital continued
» SHARE CAPITALcontinued a. Authorised, Issued and Fully Paid-in Capital continued
» Additional Paid-In CapitalShare Premium
» SHARE CAPITALcontinued c. Distribution of Net Income continued
» INTEREST EXPENSE AND SHARIA EXPENSE
» OTHER OPERATING INCOME - OTHERS For the year ended December 31,
» PROVISION FOR REVERSAL OF POSSIBLE LOSSES For the year ended December 31,
» SALARIES AND EMPLOYEE BENEFITS For the year ended December 31,
» GENERAL AND ADMINISTRATIVE EXPENSES For the year ended December 31, EMPLOYEE BENEFITS
» EMPLOYEE BENEFITS continued Pension Plan
» EMPLOYEE BENEFITS continued Bank Mandiri Tbk Eng 31 Des 2015 Released
» EMPLOYEE BENEFITS continued EMPLOYEE BENEFITS continued
» EMPLOYEE BENEFITS continued Labor Law No. 132003
» OTHER OPERATING EXPENSES - OTHERS - NET For the year ended December 31,
» COMMITMENTS AND CONTINGENCIES Bank Mandiri Tbk Eng 31 Des 2015 Released
» FOREIGN CURRENCY TRANSACTIONS RELATED PARTY TRANSACTIONS
» RELATED PARTY TRANSACTIONS continued
» Liabilities RELATED PARTY TRANSACTIONS continued
» Temporary Syirkah Funds Note 38
» SEGMENT INFORMATION Bank Mandiri Tbk Eng 31 Des 2015 Released
» SEGMENT INFORMATION continued Bank Mandiri Tbk Eng 31 Des 2015 Released
» CAPITAL ADEQUACY RATIO Bank Mandiri Tbk Eng 31 Des 2015 Released
» CAPITAL ADEQUACY RATIO continued
» CUSTODIAL SERVICES AND TRUST OPERATIONS continued
» CHANNELING LOANS Bank Mandiri Tbk Eng 31 Des 2015 Released
» CHANNELING LOANS continued RISK MANAGEMENT
» RISK MANAGEMENT continued Bank Mandiri Tbk Eng 31 Des 2015 Released
» RISK MANAGEMENT continued RISK MANAGEMENT continued
» Legal matters RISK MANAGEMENT continued
» Trade Financing with Asian Development Bank ADB
» NEW FINANCIAL ACCOUNTING STANDARDS AND INTERPRETATION
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