827 1,0
04 1,1
10 1,3
84 1,0
51 1,2
65 1,4
59 1,6
82 1
,524 1,5
10 1,8
83 2,1
07 1
,614 2
,004 2,0
71 2
,565 2,0
34 2,3
22 2,3
75 1,1
16 1,3
90 1,0
19 1,3
28 1,3
06 1
,375 1,4
85 1,6
12 1,5
47 1
,631 1
,671 1,9
03 1
,865 1,9
39 1,8
69 2,3
72 2,0
42 2,3
36 2,6
79
1Q 09
2Q 09
3 Q
09 4Q
09 1Q
10 2Q
10 3
Q 10
4 Q
10 1Q11
2 Q
11 3Q11
4Q11 1Q12
2Q12 3Q12
4Q 12
1Q13 2Q13
3 Q
13 GA Expenses
Personnel Expenses
35.1 42.8
39.3 43.2
39.0 38.4
38.1 45.1
32.4 37.3
39.0 41.6
44.0 43.2
42.7 51.3
41.1 43.142.5
CIR
Breakdown of 3Q 2013 Operating Expenses Quarterly Consolidated Operating Expenses CIR
18
Q’ Q’
9M13 9M12
Growth
YOY 9M YOY
QOQ Personnel Expenses
Base Salary 619
540 1,761
1,594 14.6
10.4 14.6
Other Allowances 1,256
847 3,304
2,576 48.3
28.3 48.3
Post Empl. Benefits 182
69 309
196 163.8
57.5 163.8 Training
99 57
252 198
73.7 27.3
73.7 Subsidiaries
523 356
1,431 1,109
46.9 29.0
46.9
Total Personnel Expenses 2,679 1,869
7,057 5,674
43.3 24.4
43.3 GA Expenses
IT telecoms 318
250 878
677 27.2
29.8 27.2
Occupancy Related 474
384 1,392
1,177 23.4
18.3 23.4
Promo Sponsor 253
231 683
748 9.5
-8.6 9.5
Transport Travel 131
116 380
333 12.9
14.1 12.9
Goods, Prof. Svcs. Oth. 292
260 837
638 12.3
31.2 12.3
Employee Related 365
293 1,029
771 24.6
33.5 24.6
Subsidiaries 542
537 1,530
1,346 0.9
13.7 0.9
Total GA Expenses 2,375 2,071
6,731 5,689
14.7 18.3
14.7 Other Expenses
429 578
1,404 1663
-25.8 -15.6
-25.8 Total Operating Expenses
5,483 4,518 15,192 13,026
21.4 16.6
21.4
745 2,414
4,066 6,153
7,784 10,943
11,899 12,112
12,366 12,652
2006 2007
2008 2009
2010 2011
2012 1Q13
2Q1 3
3Q13
Cash Management Users Wholesale CASA Deposits
58 ,05
5 62
,257 61
,69 1
53 ,60
4 74
,11 6
89 ,95
9 69
,20 8
87 ,16
4
- 10,000
20,000 30,000
40,000 50,000
60,000 70,000
80,000 90,000
100,000
2007 2008
2009 2010
2011 2012
9M 2012
9M 2013
Total CASA IDR Billion
248 479
716 685
677 771
1 ,130
1,1 75
1 ,178
1,6 76
2,1 48
2,1 61
4Q10 1Q11
2Q11 3
Q 11
4 Q
11 1Q12
2Q12 3Q12
4Q12 1Q
13 2
Q 13
3Q13
Average of Cash Management Tx 000, total 18.1 Mn transactions in
2013
Exclude Mandiri Transaction System
19
83.9 YoY Growth
25.9 YoY Growth
Mandiri Cash Management Forex
431 685
956 1
,4 5
6 479
563 578
7,266 18,803
29,774 43,433
5,028 6,443 6,574
- 5,000
10,000 15,000
20,000 25,000
30,000 35,000
40,000 45,000
50,000
- 200.0
400.0 600.0
800.0 1,000.0
1,200.0 1,400.0
1,600.0 1,800.0
2,000.0
Dec 09 Dec 10
Dec 11 Dec 12
1Q 13 2Q 13 3Q 13
Value IDR Trillion of Trx 000
Excludes Mandiri Transaction System
24 34
42 63
13 16
17
240,806 281,153
310,512 322,795
111,728 127,323
121,392
- 50,000
100,000 150,000
200,000 250,000
300,000 350,000
- 10.0
20.0 30.0
40.0 50.0
60.0 70.0
Dec 09 Dec 10
Dec 11 Dec 12
1Q 13 2Q 13
3Q 13
Value USD Billion of Trx
Wholesale Remittance Trade Transaction : Export, Import, Domestic
59 70
94 121
38 34
29
396,814 435,866
448,219 599,909
169,480 171,233
150,094
- 100,000
200,000 300,000
400,000 500,000
600,000 700,000
- 20.0
40.0 60.0
80.0 100.0
120.0 140.0
Dec 09 Dec 10
Dec 11 Dec 12
1Q 13 2Q 13
3Q 13
Value USD Million of Trx
85 85
110 125
31 34
30
454,120 495,813
510,916 517,251
130,571 138,753
124,966
- 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
Dec 09 Dec 10 Dec 11 Dec 12 1Q 13
2Q 13 3Q 13
Value USD Billion of Trx
20
Exclude Mandiri Transaction System
74.6 78.8
74.4 80.4
75.9 81.3
86 .3
95.5 88.2
93.4 98
.5 109.6
107 .3
112.7 120
.4 134.0
132.7 140.6
146.1 165.0
157.5 16
6.8 176
.3 5.1 6.2 5.1
6.1 6.8 6.9 7.4
8.1 9.3
10.2 11.0
11.011.711.9 11.5
11.312.7 12.8
13.0 13.7
14.7 15.6
18.4
4.4 5.1
5.3 6.8 5.6 6.1
8.0 9.4
8.2 8.8
9.1 11.110.5
11.9 12.2
15.714.6 15.4
16.1 18.6
17.0 16.7
28.6
1.41.4 1.8
1.7 2.3
2.5 2.4
2.7 2.7 2.7
3.3 3.2 3.5
3.5 4.1
4.2 4.3
4.3 10.7
44.442.050.6 63.462.965.1
68.7 68.5
71.8 70.6
68.7 70.569.0
68.6 70.8
73.171.6 70.3
71.5 71.4
72.1 70.7
80.2
5.0 5.1 5.4 7.7
7.4 7.4
7.5 6.8 6.0 5.7
5.8 5.8 5.3 5.2
5.2 5.3 5.0
5.0 5.1
5.0 4.7
4.6 6.4
20 40
60 80
100 120
140 160
180 200
220 240
260 280
300 320
1Q 08
2Q 08
3Q 08
4 Q
08 1Q
09 2
Q 09
3Q 09
4 Q
09 1Q
10 2Q
10 3Q
10 4Q
10 1Q
11 2Q
11 3Q
11 4
Q 11
1Q 12
2Q 12
3Q 12
4 Q
12 1Q
13 2
Q 13
3Q 13
Rp Savings Deposits FX Savings Deposits
Rp Demand Deposits FX Demand Deposits
Rp Time Deposits FX Time Deposits
Retail Deposit Analysis – Bank Only
2.5 2.8
4.2 3.4
3.3 3.1
2.5 2.3 2.4 2.8
2.0 2.2
1.9 3.2
3.0 3.3
2.5 2.6
2.1 2.2 2.4
1.8 1.5 1.6
1.5 1.6
1.5 1.5
6.8 6.3
9.3 9.5
8.7 7.2
6.5 6.9
6.3 6.5
6.5 5.7
5.0 4.9
5.10 4.90
5.0 5.5
5 10
15 Rp DD
Rp Savings Rp TD
Average Quarterly Deposit Costs
2.4 1.6
1.8 0.9 0.9
0.1 0.1
0.1 0.3 0.3 0.2
0.2 0.3 0.3
2.6 2.92.8 3.7
3.9 3.0
1.9
0.3 0.50.5 0.4
0.80.8 0.7
0.7 0.5
0.6 0.8
2 4
1Q 08
2 Q
08 3Q
08 4Q
08 1Q
09 2Q
09 3Q
09 4Q
09 1Q
10 2
Q 10
3Q 10
4Q 10
1Q 11
2 Q
11 3Q
11 4
Q 11
1Q 12
2 Q
12 3Q
12 4Q
12 1Q
13 2Q
13 3Q
13 FX DD
FX TD 63.5
62.3 61.4
60.4 62.5 64.7
63.4 63.866.1
63.3 63.8
64.9 66.1
66.5 69.6
70.1 72.5
71.6 72.9
73.0 CASA as of total deposits
21
Quarterly Transaction Volume Mn Quarterly Transaction Value Rp Tn
Quarterly Users Mn
Inactive cards have been purged 122.9
142.0 141.9
148.1 168.1
186.2 189.4
204.0 212.3
226.6 218.1
222.3 232.9
42.3 38.6 41.7 40.8
43.0 40.7 44.7 44.1
40.8 45.3
39.1
7.9 11.6 15.015.4 21.3
25.4 26.2
27.3 34.5
30.8 33.0 34.1
8.3 16.5
26.6 31.8
49.7 68.5
77.8 84.7
85.3 66.7
66.8 76.7
75.5
25 50
75 100
125 150
175 200
225 250
1 Q
9 2
Q 9
3 Q
9 4Q
09 1
Q 1
2 Q
10 3
Q 1
4Q 10
1 Q
1 1
2 Q
11 3
Q 1
1 4
Q 11
1 Q12
2 Q
12 3
Q 1
2 4Q
12 1
Q 1
3 2
Q 1
3 3
Q 1
3
ATM Branch
SMS Banking Internet Banking
77.1 95.5
97.1 107.5
130.8 147.7
153.8 159.9
170.0 177.3
179.3 184.1
191.2
1.4 2.1 2.6 2.9
5.0 8.8
5.5 5.5
8.3 9.2 10.5
4.8 7.1 8.7
11.7 16.3
21.5 23.5
25.6 26.8
28.7 29.4
32.2 33.3
20 40
60 80
100 120
140 160
180 200
1 Q
9 2
Q 09
3 Q
9 4
Q 9
1 Q
1 2
Q 1
3 Q
1 4
Q 1
1 Q
1 1
2 Q
11 3
Q 1
1 4
Q 1
1 1Q
12 2
Q 12
3Q 12
4 Q
12 1
Q 1
3 2
Q 13
3 Q
1 3
ATM SMS Banking
Internet Banking
9.95
7.20 7.67
8.06 8.35
8.72 8.17
8.96 9.24
9.65 9.99
10.16 10.57
10.89 11.10
2.16 3.17
4.21 4.61 4.61
5.08 5.29
5.47 5.63
5.74 5.80
5.97 6.09
1.11 1.21 0.92 1.01 1.03
1.16 1.21
1.26 1.31
1.36 1.39
1.46 1.51
2 4
6 8
10 12
1 Q
09 2
Q 9
3 Q
09 4
Q 9
1Q 10
2 Q
10 3
Q10 4
Q10 1
Q 1
1 2Q11 3
Q 1
1 4
Q11 1
Q12 2
Q 1
2 3
Q 12
4 Q
1 2
1 Q
13 2
Q 1
3 3
Q 13
Debit Cards SMS Banking
Internet Banking
22
Volume Mandiri Business Saving Account Tn
3.5 4.8 8.0
17.7 34.7
59.4
46.4 73.7
2007 2008 2009 2010 2011 2012 9M
2012 9M
2013
Fee Income from e-channel Tx Bn
23
23,690 27,61133,732
47,127 92,903
180,532 194,297
205,325 209,249
2007 2008 2009 2010 2011 2012 1Q 13
2Q 13
3Q 13
Numbers of EDC
58.7 YoY
Growth
52.1 89.4 126.2
200.3 258.2
315.2 347.6 65.5
98.5 166.6
196.5 285.7
318.6 382.0
81.9 110.5
194.5 249.3
313.9 361.8
437.5
89.0 117.8
223.7 268.5
312.8 464.4
2007 2008
2009 2010
2011 2012
2013
Q4 Q3
Q2 Q1
17.2 YoY
Growth
Rp Bn
44,486 55,192
10,706
9M 2012 Growth
9M 2013
YoY 24.1
Consumer Finance Rp Bn
35,022 43,743
8,721
9M 2012 Growth
9M 2013
YoY 24.9
Business Banking Rp Bn
Micro Credit
16,760 24,898
8,138
9M 2012 Growth
9M 2013
YoY 48.6
60 ,676
6 3
,3 2
3 6
6 ,8
5 1
7 3
,3 2
4 81
,04 6
84 ,67
5 91
,50 4
96 ,26
8 10
5,1 92
10 8,4
34 11
8,7 88
12 3,8
33
27.7 28.6
27.6 28.3 29.6
29.6 29.8
30.2 30.9
31.8 31.7
31.3
20 22
24 26
28 30
32
30,000 40,000
50,000 60,000
70,000 80,000
90,000 100,000
110,000 120,000
130,000 140,000
4Q 20 10
1 Q
2011 2Q 20
11 3
Q 2011
4 Q
2011 1
Q 2012
2Q 20 12
3Q 20 12
4Q 20 12
1Q 20
13 2Q 20
13 3Q 20
13
Retail to Total Loans
Retail to Total Loans
Micro Credit Business Banking
Consumer Finance
24
200 300
502 502 503 566 600
800 800
878 928 928 983
1,007
10 152
480 710
760 760 749
751
2008 2009 2010 2011 2012 1Q
13 2Q
13 3Q
13
Branch Unit
Kiosk
271 430
562 694
815 844
879 886
2008 2009 2010 2011 2012 1Q 13
2Q 13
3Q 13
Customers 000 Network
Of New Customers
73 ,56
6 79
,50 76
,32 5
94 ,85
5
74 ,03
7 11
0,0 00
12 1,0
07 146
,359
12 6,5
09 140
,064 131
,715 147
,825 13
8,7 47
16 0,6
20
13 6,1
96
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
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 3
,957 3
,964 3,979
3,949 3,887
3,777 3,67
9 3,571
3,471 3,365
3,312 3,240
6,374 6
,398 6,708
6 ,861
6 ,995
7 ,143
7,41 2
7,753 8,206
8,386 8,958
9,374
3,589 3,575 3,761
3,910 4,296
4,245 4,492
4,590 5,035
5,025 5,195
5,303
2,826 3,454
3,492 4,200
5,115 5,829
6,593 6,609
7,209 7,486
7,905 9,013
447 698 791
873 928
964 1,016
1,037 1,010
966 927
904
2,500 5,000
7,500 10,000
12,500 15,000
17,500 20,000
22,500 25,000
27,500 30,000
32,500 35,000
37,500 40,000
42,500 45,000
47,500 50,000
52,500 55,000
57,500
4 Q
1 1
Q 1
1 2
Q 1
1 3
Q 1
1 4
Q 1
1 1
Q 1
2 2
Q 1
2 3
Q 1
2 4
Q 1
2 1
Q 13
2 Q
1 3
3 Q
13 Other
Auto Credit Cards
Payroll Loans Home Equity Loans
Mortgages
Loan Type Growth
Y-o-Y Q-o-Q
Other 12.77
2.44 Auto Loans
36.37 14.01
Credit Cards 15.53
2.09 Payroll Loans
20.90 4.64
Home Equity Loans 9.43
2.18 Mortgages
30.78 4.68
Total Consumer 24.07
5.26
Quarterly Consumer Loan Balances by Type Consumer Loan Growth by Type
Rp55.2 tn
Auto Motorcycle Loans channeled or executed through finance companies = Rp 9.06Tn in our Commercial Loan
Portfolio
26
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
11 .46
10 .00
9 .22
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
2,0 00
4,0 00
6,0 00
8,0 00
10 ,00
12 ,00
14 ,00
16 ,00
18 ,000
20 ,00
1Q08 2Q08
3Q08 4Q08
1Q09 2Q09
3Q09 4Q09
1Q10 2Q10
3Q10 4Q10
1Q11 2Q11
3Q11 4Q11
1Q12 2Q12
3Q12 4Q12
1Q13 2Q13
S pec
ial M
ent ion
C at
2
N P
L Mov
em en
t -
C onso
lida 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
116.0 122.5
138.9 127.1
116.6 136.1
155 .2
206 .0
191 .7
19 2.4
155 .5
185.1 185.2
189.6 193.4
185.5 187.6
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
Gro ss
N PL
Rat io
Pr o
vN PL
Gross NPLs
1 .9
, coverage at
187 .6
- Category
2 st
abl e
at 3
.9
C a
teg or
y 2
Loans 27
NPLs Rp tn
3Q
Rp tn NPLs
Corporate 2.60
0.14 1.62
Commercial 1.02
0.15 0.92
Small 1.38
0.15 3.15
Micro 0.87
0.02 3.48
Consumer 0.96
0.01 1.73
Total 6.83
0.15 1.71
Non-Performing Loans by Segment
Excluding loans to other banks.
Movement by Customer Segment Rp Bn
6.68 0.10
1.04 0.19
0.88 0.28
6.83
2Q 13 UG to PL
DG to NPL Payment Write-Offs Other
3Q 13
Non-Performing Loan Movements Rp tn – Bank Only
28
- 48
- 118
249
22 314
223
11 444
182
66 163
178
- 200
400 600
800 1,000
1,200
UG to PL DG to NPL
WO Corp
Comm Micro
Small Cons
Total Loans originated since 2005 Net
Upgrades Downgrades
3Q 2013 Details
Loan Background
Q Balance
Rp bn Q3
2011 Q4
2011 Q1
2012 Q2
2012 Q3
2012 Q4
2012 Q1
2013 Q2
2013 Q3
2013 DG to
NPL UG to
PL
Corporate
148,788.76 0.20
0.29 -
0.03 0.01
0.25 0.00
0.01 0.00
0.00 0.00
Commercial
105,398.97 0.13
0.00 0.25
0.15 0.05
0.27 0.24
0.05 0.10
0.10 0.00
Small
40,372.68 0.91
0.29 0.77
0.70 0.84
0.49 1.28
0.59 1.05
1.08 0.03
Micro
24,788.11 1.93
1.03 1.51
1.30 1.37
1.00 1.25
1.10 1.18
1.27 0.09
Consumer
54,681.47 0.33
0.08 0.32
0.24 0.25
0.07 0.28
0.18 0.17
0.29 0.12
Total 374,029.99
0.34 0.21
0.28 0.23
0.22 0.11
0.34 0.18
0.25 0.27
0.03
downgrades and
upgrades are quarterly figures
29
Restructured Loans
19 .4
20 .3
21.7 18
