Non-Loan Related Fees Commissions Q1-2013
Q4-2012 Q1-2012
Y-o-Y
Q-o-Q
Administration Fees
519 582
441 17.7
10.8
Opening LC, BG Cap Market custodian trustee
173 179
153 13.1
3.4
Subsidiaries
389 391
405 4.0
0.5
Transfer, Retail Transaction
286 400
244 17.2
28.5
Credit Cards
265 254
242 9.5
4.3
Mutual Fund, ORI Bancassurance
77 98
82 6.1
21.4
Syndications
13 35
36 63.9
62.9
Payroll Package
15 11
17 11.8
36.4
Others
124 136
84 47.6
8.8
Total
1,861 2,086
1,704 9.2
10.8
Foreign Exchange Gains
226 232
210 7.6
2.6
Gains Fr Sale Incr. in Value of Sec. Gov. Bonds
46 258
134 65.7
82.2
Cash Recoveries
904 861
522 73.2
5.0
Total Operating Income
11,338 11,737
9,271 22.3
3.4
of Non Loan Related fees to total opr. income
16.41 17.8
18.38 10.7
7.6
Breakdown of Q1 2013 Non-Loan Related Fees Commissions Rp bn
10
8 2
7 1
,0 4
1 ,1
1 1
,3 8
4 1
,0 5
1 1
,2 6
5 1
,4 5
9 1
,6 8
2 1
,5 2
4 1
,5 1
1 ,8
8 3
2 ,1
7 1
,6 1
4 2
,0 4
2 ,0
7 1
2 ,5
6 5
2 ,0
3 4
1 ,1
1 6
1 ,3
9 1
,0 1
9 1
,3 2
8 1
,3 6
1 ,3
7 5
1 ,4
8 5
1 ,6
1 2
1 ,5
4 7
1 ,6
3 1
1 ,6
7 1
1 ,9
3 1
,8 6
5 1
,9 3
9 1
,8 6
9 2
,3 7
2 2
,0 4
2
Q 1
9 Q
2 9
Q 3
9 Q
4 9
Q 1
1 Q
2 1
Q 3
1 Q
4 1
Q 1
1 1
Q 2
1 1
Q 3
1 1
Q 4
1 1
Q 1
1 2
Q 2
1 2
Q 3
1 2
Q 4
1 2
Q 1
1 3
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
CIR
Breakdown of Q1 2013 Operating Expenses Quarterly Consolidated Operating Expenses CIR
Q1 13 Q
Q
Growth QoQ
YoY Personnel Expenses
Base Salary 529
531 524
0.4 1.0
Other Allowances 948
1,303 826
27.2 14.8
Post Empl. Benefits 80
6 75
NA 6.7
Training 64
121 47
47.1 36.2
Subsidiaries 421
424 394
0.7 6.9
Total Personnel Expenses 2,042
2,372 1,865
13.9 9.5
GA Expenses
IT telecoms 276
294 184
6.1 50.0
Occupancy Related 412
605 365
31.9 12.9
Promo Sponsor 202
311 206
35.0 -1.9
Transport Travel 116
169 99
31.4 17.2
Goods, Prof. Services Oth. 264
367 176
28.1 50.0
Employee Related 289
296 208
2.4 38.9
Subsidiaries 474
522 376
9.2 26.1
Total GA Expenses 2,034
2,565 1,614
20.7 26.0
Other Expenses 566
951 540
40.5 4.8
Total Operating Expenses 4,642
5,887 4,019
21.1 15.5
11
4 2
.6 5
8 .1
7 2
.5 9
1 .9
1 8
.9 1
1 5
.9 1
1 2
.2 1
3 4
.0 1
7 2
.9 1
9 5
.8 2
4 2
.4 3
5 2
.5 4
.2 4
1 6
.9
1 3
.3 1
5 .4
1 7
.0 2
5 .5
2 7
.5 2
7 .4
2 8
.4 2
8 .3
2 7
.2 3
.5 3
5 .7
5 3
.3 6
2 .0
7 1
.1
2 2
1 2
2 2
3 2
4 2
5 2
6 2
7 2
8 2
9 2
1 2
1 1
2 1
2 2
1 3
RWA Rp tn Total Capital Rp tn
31.3
26.4
23.4 27.7
25.3 23.2
24.6 20.8
15.7 15.4
13.4 15.3
15.5 17.0
CAR
308 1,168 1,549
1,744 519
510 1,027 1,390 1,400
2,003 2,681 3,403
4,303 1,300
602 690
1,329 97
305 1,113
1,221 1,526 2,031
2,543 3,744
967 1,017
1,528 1,408
610 372
1,040 1,345
1,693 2,352
2,850 3,972
645 799
819 775
623 1,234
1,166 1,390
2,536 2,833
3,073 4,385
2 1
2 2
2 3
2 4
2 5
2 6
2 7
2 8
2 9
2 1
2 1
1 2
1 2
2 1
3 Q4 PAT
Q3 PAT Q2 PAT
Q1 PAT
IDR bn
Capital RWA Movement Profit After Tax ROE
21.5 26.2
23.6 22.8
2.5 10.0
15.8 18.1
22.1 24.2
22.0 22.6
21.9 RoE - AT
• CAR inclusive of Credit and Market Risk started in December 2004 • CAR inclusive of Credit, Market and Operational Risk started in January 2010
• CAR under BASEL III in December 2011 was 17.17
12
1,099
1.1Tn from GIAA Recovery
Breakdown of Net Expansion in Corporate Lending Q1 13
– Q1 12 Total Rp11.3 tn
Rp Billion
4,737 265
565 608
665 707
740 801
874 921
1,152 1,214
2,049 5,436
Others Bus Serv - Oth
Mfg-Feed Trad-Exp
Trad-Ret Mining-Coal
Roads Bridge Mfg-Chem
Trad-Distr Mining-Metal Ore
Real Estate Mining-Oil Gas
Mfg-FB Plantations
25.7 15.7
12.0 147.9
3361.1 28.6
9.7 28.6
37.4 26.5
16.2 48.6
2.6 -11.8
Rp Billion
Breakdown of Net Expansion in Commercial Lending Q1 13
– Q1 12 Total Rp19.4 tn
2,194 694
726 760
822 900
964 973
1,108 1,130
1,352 1,534
2,006 2,194
2,436 3,986
Others Trad-Ret
Mfg-Oth Mfg-Text
Trad-Imp Mfg-FB
Trad-Dom Mfg-Metal
Mining-Coal Mining-Oil Gas
Plantations Mfg-Chem
Trad-Distr Mfg-RawM
Mass Trans Business Service
40.6 46.9
61.5 25.3
18.4 17.7
103.7 51.6
22.2 152.7
17.8 110.4
25.3 12.4
39.5 -14.0
13
745 2,414
4,066 6,153
7,784 10,943
11,899 12,112
2 6
2 7
2 8
2 9
2 1
2 1
1 2
1 2
Q 1
2 1
3
Cash Management Users Wholesale CASA Deposits
5 8
,0 5
5 6
2 ,2
5 7
6 1
,6 9
1 5
3 ,6
4 7
4 ,1
1 6
8 9
,9 5
9 6
1 ,2
4 6
7 1
,9 1
9
- 10,000
20,000 30,000
40,000 50,000
60,000 70,000
80,000 90,000
100,000
2 7
2 8
2 9
2 1
2 1
1 2
1 2
Q 1
2 1
2 Q
1 2
1 3
Total CASA IDR Billion
2 4
8 4
7 9
7 1
6 6
8 5
6 7
7 7
7 1
1 ,1
3 1
,1 7
5 1
,1 7
8 1
,6 7
6
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 1
3
Average of Cash Management Tx 000, total 5.0 Mn transaction in 2013
Exclude Mandiri Transaction System
14
117.4 YoY Growth
17.4 YoY Growth
Mandiri Cash Management Forex
4 3
1 6
8 5
9 5
6 1
4 5
6 3
1 4
4 8
7 .8
7,266 18,803
29,774 43,433
2,798 5,027
- 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
Dec 09 Dec 10
Dec 11 Dec 12
Mar 12 Mar 13
Value IDR Trillion of Trx 000
2 4
3 4
4 2
6 3
1 4
1 3
240,806 281,153
310,512 322,795
95,391 111,728
- 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
Mar 12 Mar 13
Value USD Billion of Trx
Wholesale Remittance Trade Transaction : Export, Import, Domestic
5 9
7 9
4 1
2 1
2 8
3 8
396,814 435,866 448,219
599,909
146,983 169,480
- 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
Mar 12 Mar 13
Value USD Million of Trx
8 5
8 5
1 1
1 2
5 3
3 1
454,120 495,813
510,916 517,251
129,654 130,571
- 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
Mar 12 Mar 13
Value USD Million of Trx
15
exclude Mandiri Transaction System
7 5
.9 8
1 .3
8 6
.3 9
5 .5
8 8
.2 9
3 .4
9 8
.5 1
9 .6
1 7
.3 1
1 2
.7 1
2 .4
1 3
4 .0
1 3
2 .7
1 4
.6 1
4 6
.1 1
6 5
.0 1
5 7
.5 6.8
6.9 7.4
8.1 9.3
10.2 11.0
11.0 11.7 11.9
11.5 11.3 12.7
12.8 13.0
13.7 14.7
5.6 6.1
8.0 9.4
8.2 8.8
9.1 11.1 10.5
11.9 12.2
15.7 14.6 15.4
16.1 18.6
17.0
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
62.9 65.1
68.7 68.5
71.8 70.6
68.7 70.5 69.0
68.6 70.8
73.1 71.6 70.3
71.5 71.4
72.1
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
20 40
60 80
100 120
140 160
180 200
220 240
260 280
Q 1
9 Q
2 9
Q 3
9 Q
4 9
Q 1
1 Q
2 1
Q 3
1 Q
4 1
Q 1
1 1
Q 2
1 1
Q 3
1 1
Q 4
1 1
Q 1
1 2
Q 2
1 2
Q 3
1 2
Q 4
1 2
Q 1
1 3
Rp Savings Deposits FX Savings Deposits
Rp Demand Deposits FX Demand Deposits
Rp Time Deposits FX Time Deposits
Retail Deposit Analysis – Bank Only
4.2 3.5
3.5 3.1
2.5 2.3
2.2 2.0 1.9
2.2 2.8
2.5 2.6
2.1 2.2
2.4 2.1
1.5 1.6
9.5 8.7
7.2 6.5
6.5 6.7
6.5 6.5
5.7 5.0
4.9 4.9
5 10
15 Rp DD
Rp Savings Rp TD
Average Quarterly Deposit Costs
1.1 0.9
0.6 0.1 0.2
0.1 0.2
0.3 0.3
3.9 3.3
3.0 1.9
1.0 0.5 0.50.4
0.8 0.8 0.7 0.6
0.5 2
4
Q 1
9 Q
2 9
Q 3
9 Q
4 9
Q 1
1 Q
2 1
Q 3
1 Q
4 1
Q 1
1 1
Q 2
1 1
Q 3
1 1
Q 4
1 1
Q 1
1 2
Q 2
1 2
Q 3
1 2
Q 4
1 2
Q 1
1 3
FX DD FX TD
62.5 62.3
64.7 63.4
63.8 66.1
63.3 63.8
66.1 63.8
66.5 69.6
70.1 71.6
CASA as of total deposits
16
72.5
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
42.3 38.6 41.7 40.8
43.0 40.7 44.7 44.1
40.8
7.9 11.6 15.0 15.4 21.3
25.4 26.2
27.3 34.5
30.8 8.3
16.5 26.6
31.8 49.7
68.5 77.8
84.7 85.3
66.7 66.8
25 50
75 100
125 150
175 200
225 250
Q 1
9 Q
2 9
Q 3
9 Q
4 9
Q 1
1 Q
2 1
Q 3
1 Q
4 1
Q 1
1 1
Q 2
1 1
Q 3
1 1
Q 4
1 1
Q 1
1 2
Q 2
1 2
Q 3
1 2
Q 4
1 2
Q 1
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
1.4 2.1 2.6 2.9
5.0 8.8
5.5 5.5
8.3 4.8
7.1 8.7
11.7 16.3
21.5 23.5
25.6 26.8
28.7 29.4
20 40
60 80
100 120
140 160
180 200
Q 1
9 Q
2 9
Q 3
9 Q
4 9
Q 1
1 Q
2 1
Q 3
1 Q
4 1
Q 1
1 1
Q 2
1 1
Q 3
1 1
Q 4
1 1
Q 1
1 2
Q 2
1 2
Q 3
1 2
Q 4
1 2
Q 1
1 3
ATM SMS Banking
Internet Banking
9.95
7.20 7.67
8.06 8.35
8.72 8.96
9.24 9.65
9.99 10.16
10.57
2.16 3.17
4.21 4.61 4.61
5.08 5.29
5.47 5.63
5.74 5.80
1.11 1.21 0.92 1.01 1.03
1.16 1.21
1.26 1.31
1.36 1.39
2 4
6 8
10 12
Q 1
9 Q
2 9
Q 3
9 Q
4 9
Q 1
1 Q
2 1
Q 3
1 Q
4 1
Q 1
1 1
Q 2
1 1
Q 3
1 1
Q 4
1 1
Q 1
1 2
Q 2
1 2
Q 3
1 2
Q 4
1 2
Q 1
1 3
Debit Cards SMS Banking
Internet Banking
17
Volume Mandiri Business Saving Account Tn
3.5 4.8 8.0
17.7 34.7
59.4
34.5 56.3
2007 2008 2009 2010 2011 2012 Q1
2012 Q1
2013
Fee Income from e-channel Tx Bn
18
23,690 27,611
33,732 47,127
92,903 180,532
194,297
2007 2008 2009 2010 2011 2012 Q1 2013
Numbers of EDC
63.1 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
81.9 110.5
194.5 249.3
313.9 361.8
89.0 117.8
223.7 268.5
312.8 464.4
2007 2008
2009 2010
2011 2012
2013
Q4 Q3
Q2 Q1
10.3 YoY
Growth
Rp Bn
40,723 49,320
8,597
Q1 2012 Growth
Q1 2013
YoY 21.1
Consumer Finance Rp Bn
30,872 38,437
7,565
Q1 2012 Growth
Q1 2013
YoY 24.5
Business Banking Rp Bn
Micro Credit
13,080 20,677
7,597
Q1 2012 Growth
Q1 2013
YoY 58.1
6 ,6
7 6
6 3
,3 2
3 6
6 ,8
5 1
7 3
,3 2
4 8
1 ,0
4 6
8 4
,6 7
5 9
1 ,5
4 9
6 ,2
6 8
1 5
,1 9
2
1 8
,4 3
4
27.7 28.6
27.6 28.3
29.6 29.6
29.8 30.2
30.9 31.8
20.00 22.00
24.00 26.00
28.00 30.00
32.00
30,000 40,000
50,000 60,000
70,000 80,000
90,000 100,000
110,000 120,000
Q 4
2 1
Q 1
2 1
1 Q
2 2
1 1
Q 3
2 1
1 Q
4 2
1 1
Q 1
2 1
2 Q
2 2
1 2
Q 3
2 1
2 Q
4 2
1 2
Q 1
2 1
3
Retail to Total Loans
Retail to Total Loans
Micro Credit Business Banking
Consumer Finance
19
1 ,3
4 7
1 ,6
4 6
1 ,6
4 5
2 ,1
9 5
1 ,8
2 6
2 ,5
2 2
2 ,7
9 1
4 ,2
8 3
,3 9
7 4
,5 2
5 4
,4 3
5 5
,7 6
4 5
,1 3
6
Q 1
1 Q
2 1
Q 3
1 Q
4 1
Q 1
1 1
Q 2
1 1
Q 3
1 1
Q 4
1 1
Q 1
1 2
Q 2
1 2
Q 3
1 2
Q 4
1 2
Q 1
1 3
Booking
Outstanding – Rp Tn
4.4 5.4
7.3 11.8
19.0 20.7
2.0 2.3
2.8 3.9
6.3 6.7
0.00 0.50
1.00 1.50
2.00 2.50
3.00 3.50
4.00 4.50
5.00 5.50
6.00 6.50
7.00
1 2
3 4
5 6
7 8
9 10
11 12
13 14
15 16
17 18
19 20
21 22
23 24
25
2008 2009
2010 2011
2012 Q1 2013
Mandiri Microfinance Outstanding Mandiri Market Share
Booking Volume – Rp Bn
16.5 16.5
17.3 16.9
17.9 17.7
17.1 21.0 20.8
20.6 20.2
18.7
14.4 Asset Spreads
20
February 2013
1 ,0
1 7
1 3
,5 1
4 ,2
6 8
1 5
,5 2
3 1
6 ,4
6 6
1 7
,7 7
9 1
8 ,7
6 4
2 ,1
1 3
2 ,9
1 9
2 2
,8 1
8 2
4 ,0
9 2
3 ,7
5 3
3 ,9
5 7
3 ,9
6 4
3 ,9
7 9
3 ,9
4 9
3 ,8
8 7
3 ,7
7 7
3 ,6
7 9
3 ,5
7 1
3 ,4
7 1
3 ,3
6 5
4 ,5
4 1
5 ,4
2 8
5 ,6
4 3
5 ,9
1 9
6 ,1
6 ,2
3 3
6 ,3
3 5
6 ,5
8 7
6 ,9
4 2
6 ,8
7 1
6 ,3
8
2,989 3,589
3,575 3,761
3,910 4,296
4,245 4,492
4,590 5,035
5,025
1,376 2,826
3,454 3,492
4,200 5,115
5,829 6,593
6,609 7,209
7,486
915 1,393
1,454 1,583
1,630 1,690
1,772 1,840
1,847 2,345
3,044
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
Q 4
9 Q
4 1
Q 1
1 1
Q 2
1 1
Q 3
1 1
Q 4
1 1
Q 1
1 2
Q 2
1 2
Q 3
1 2
Q 4
1 2
Q 1
1 3
Other Auto
Credit Cards Payroll Loans
Home Equity Loans Mortgages
Loan Type Growth
Y-o-Y Q-o-Q
Other 38.54
29.80 Auto Loans
71.81 3.85
Credit Cards 18.36
0.21 Payroll Loans
0.42 8.20
Home Equity Loans 10.91
3.05 Mortgages
28.39 5.58
Total Consumer 21.11
3.29
Quarterly Consumer Loan Balances by Type Consumer Loan Growth by Type
Rp49.3 tn
Auto Motorcycle Loans channeled or executed through finance companies = Rp 8.10Tn in our Commercial Loan
Portfolio
21
12,655 16,202
11,216 8,599
13,442 17,501
15,909 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
24 .8
9 .1
14 .9
9 .1
10 .4
9 .5
6 .9
4 .1
4 .3
3 .8
4 .0
- 2
,0 4
,0 6
,0 8
,0 1
,0 1
2 ,0
1 4
,0 1
6 ,0
1 8
,0 2
,0 Q401
Q402 Q403
Q404 Q405
Q406 Q407
Q408 Q109
Q209 Q309
Q409 Q110
Q210 Q310
Q410 Q111
Q211 Q311
Q411 Q112
Q212 Q312
Q412 Q113
Sp e
ci al
M e
n ti
o n
lo a
n C
at 2
N P
L Mo
ve m
e n
t -
C o
n so
lid a
te d
34.90 19.80
9.70 7.30
8.60 7.10
25.28 16.34
7.17 4.73
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
7 .0
1 4
6 .7
1 2
9 .5
1 9
.4 1
3 9
.1 1
2 8
.8 4
4 .4
1 2
7 .1
2 .5
2 1
9 .1
1 9
2 .4
1 7
2 .2
1 5
5 .5
1 7
4 .2
1 8
5 .1
1 8
5 .1
1 8
9 .6
1 9
3 .4
1 7
7 .2
Q4 99 Q4 00
Q4 01 Q4 02
Q4 03 Q4 04
Q4 05 Q4 06
Q4 07 Q4 08
Q4 09 Q1 10
Q2 10 Q3 10
Q4 10 Q111
Q211 Q311
Q411 Q112
Q212 Q312
Q412 Q113
G ro
ss N
P L
R at
io P
ro v
N P
L
G ro
ss N
P Ls
2 .1
, c
o ve
rag e
at 1
7 7
.2 -
C at
e g
o ry
2 s
tab le
at 4
.0
C a
te g
o ry
2 L
o an
s 2
NPLs Rp tn
Q
Rp tn NPLs
Corporate 2.45
0.05 1.89
Commercial 1.15
0.01 1.12
Small 1.21
0.27 3.15
Micro 0.74
0.13 3.59
Consumer 0.96
0.09 1.95
Total 6.52
0.54 1.90
Non-Performing Loans by Segment
Excluding loans to other banks.
Movement by Customer Segment Rp Bn
5.97 0.12
1.25 0.13
0.57 0.11
6.52
Q4 12 UG to PL
DG to NPL Payment Write-Offs Other
Q1 13
Non-Performing Loan Movements Rp tn – Bank Only
23
25 84
- 29
231 187
15 272
84
9 481
150
39 178
149
- 200
400 600
800 1,000
1,200 1,400
UG to PL DG to NPL
WO Corp
Comm Micro
Small Cons
Total Loans originated since 2005 Net
Upgrades Downgrades
Q1 2013 Details
Loan Background
Q Balance
Rp bn Q1
2011 Q2
2011 Q3
2011 Q4
2011 Q1
2012 Q2
2012 Q3
2012 Q4
2012 Q1
2013 DG to
NPL UG to
PL
Corporate
117,972.96 0.45
- 0.20
0.29 -
0.03 0.01
0.25 0.00
0.00 0.00
Commercial
95,948.97 0.27
0.05 0.13
0.00 0.25
0.15 0.05
0.27 0.24
0.24 0.00
Small
35,077.82 0.92
0.91 0.91
0.29 0.77
0.70 0.84
0.49 1.28
1.31 0.03
Micro
20,572.07 2.08
1.69 1.93
1.03 1.51
1.30 1.37
1.00 1.25
1.32 0.07
Consumer
48,720.88 0.45
0.28 0.33
0.08 0.32
0.24 0.25
0.07 0.28
0.36 0.08
Total 318,292.69
0.51 0.22
0.34 0.21
0.28 0.23
0.22 0.11
0.34 0.36
0.02
downgrades and
upgrades are quarterly figures
24
Target 2013 Q1 2013 Realization
Gross Loan Growth YoY 20 - 22
19.7 Low Cost Deposits Consolidated
350 Tn 290.2 Tn
Net Interest Margins ~5.50
5.38 Efficiency Ratio
~45 41.1
Gross NPLs 2.25
2.08 Cost of Credit
~1.1 - 1.3 1.05
of New ATMs 1,500
- of New EDCs
25,000 – 50,000
13,765 of New Micro Outlets
200 - 300 -
of New Conventional Branches 60
1
25
To Be I do esia’s Most Ad ired a d Progressive Fi a cial I stitutio
II. Culture Transformation
Implementation of Corporate Culture TIPCE
2010
2006
Market Cap: IDR 60 Tn Revenue Market Share: 8
ROE: 10 Gross NPL: 17.1
Market Cap: IDR 136.9 Tn Revenue Market Share: 13.4
ROE: 24,39 Gross NPL: 2.42
To be Indonesias most admired and progressive
financial institution
Market Cap : Rp 225 Tn Rev Market Share : 14 - 16
ROE
: 25 Gross NPL
: 4
I. Business Transformation
Dec 2010 USD 15.2 Bn
Market Cap: IDR 190.0 Tn Revenue Market Share:12.0
ROE: 22.60 Gross NPL: 1.87
26
2005 2009
CAGR
2005-2009
2010 2012
CAGR
2010-2012
Assets
263,383 394,617
10.6 449,775
635,619 18.9
Loans
106,853 198,547
16.8 246,201
388,830 25.7
Deposits
206,290 319,550
11.6 362,212
482,914 15.5
Revenues
10,835 22,261
19.7 28,504
41,591 20.8
ROE
2.52 22.06
72.0 24.24
22.55 3.5
Gross NPL ratio
25.20 2.79
5.60 2.42
1.87 0.3
NPL Net ratio
15.34 0.42
3.73 0.62
0.46 0.1
LDR
51.72 61.36
2.41 67.58
80.11 6.3
EAT
603 7,155
85.6 9,218
15,504 29.7
Subsidiary EAT
NA 434.54
22.2 994.29
1,928.91 39.3
Rp Billion
CAGR based on EAT 2006, Rp. 238.28 bn
27
Middle Income growth in Indonesia
Years Mi
d d
le I
n co
m e
t o
P o
p u
la ti
o n
Flattening Growth
By 2030 the number of middle income Indonesians is expected to grow to 190 million ~60 of the
population assuming GDP growth averaging 7 until 2030
Sumber: McKinsey, CIA World Fact Book
2010 2020
2030
18,8 32,1
60,7
190
85
45
Market Cap of Largest ASEAN Banks
– 1Q13
7 10
12 15
17 19
19 22
22 26
26 27
28 30
31
Bank N Bank M
Bank L Bank K
Bank J Bank I
Bank H Bank G
Bank F Bank Mandiri
Bank E Bank D
Bank C Bank B
Bank A
In USD Billion
28
37 47
49 51
51 54
60 73
83 94
108 112
159 182
308
Jasa Marga Indo Tambangraya
XL Axiata Adaro Energy
Indofood Kalbe Farma
Charoen Popkhand United Tractors
Indocement Tunggal Semen Indonesia
Gudang Garam PGN
Unilever Telkom
Astra International
In Trillion Rupiah
Market Cap of Largest Indonesia Corporates
– FY12
Strengthen leadership in wholesale transaction banking
Comprehensive financing transaction solutions
Holistic relationship approach for leading Indonesian institutions
Build 1 or 2 positions in key retail financing segments
Win in mortgage, personal loan cards
Become a major player in micro- banking
Champion Syariah in Indonesia
Be the retail deposit bank of choice
Win through differentiated customer experience and
targeted propositions
Deploy innovative payment solutions
46 market share in Corporate lending,
12 in Commercial lending
2,464 Corporate customers
Target of 16 growth in Wholesale funding 21 in fees
of Credit cards: 2.97 Mn
of Debit cards: 10.44 Mn
of Prepaid cards: 2.88 Mn
of Mortgages: 121,000
Building on relationship with 13.1 million retail customers and their
employees, suppliers of CorporateCommercial businesses
Target 40 of total loan
Pillar 1 Pillar 2
Pillar 3
29
Strengthen leadership in wholesale transaction banking
12,112 users of Mandiri Cash Management products
Build 1 or 2 positions in key retail financing segments
Total Micro Outlets: 2,212
Total Cards Outstanding: 16.3 mn
Be the retail deposit bank of choice
1,811 Branches
10,985 ATMS
Debit Cards 10.44 m
13.1 mn customers
Total Wholesales Fees Rp798.5Bn
1
Total Wholesale Low Cost Deposits Rp71.9Tn
Growth of Tx cash management 79.6 YoY
2
Total Retail Fees of Rp1.3 Tn
1
Total Retail Low Cost Funds Rp193.6Tn
YoY increase in of E-channel transaction: 7.6
Total Retail Loans of Rp108.4 Tn
Assets Spread Rp2.2 Tn
31.8 of total loans
Pillar 1 Pillar 2
Pillar 3
1 Fee-Based Provision, Commission Fee 2 Excluding Mandiri Transaction System
Wholesale Transactions, Retail Payments High Yield Loans
30
• Strengthening our Business Units through
focusing on the 3 pillars • Beyond banking
• Subsidiary Expansion • For banks we will
continue to look for domestic acquisitions
• For subsidiaries we will look at domestic and
overseas opportunities
Bank Group
Finding Business Partners
M A
• JV with AXA AMFS • JV withTunas Ridean MTF
• Strategic alliance with PT POS, and PT Taspen.
• Other opportunities with 3
rd
parties
31
• Double payroll from Government personnel
• Develop Program in cooperation with Task Force
and State Treasury Service Office
Account Planning
• Focus on Top 100 Anchor Clients
• Transactional Banking to grow 25-30
Government Related
Value Chain
Cluster I
II
III
• Growing Business Saving 25 • Intensify the usage of installed
EDCs
Non Organic VI
Zero Fraud V
Retail Financing
IV
• Payroll based personal pension loans
• 200-300 new micro outlets • Retain competitiveness in
consumer secured lending
• Increase Collections of Retail Consumer Risk
• Manage NPL comprehensively
• Strengthen Risk Management Control
• Strategic alliance focused on Pension Lending
• Explore the opportunity of inorganic acquisitions
32
33
Operating Performance
Highlights
34 Rp bn
Rp bn
951 340
205 169
1,327 48
1,375
522 1,075
393 1,088
1,375 1,106
824 954
1,403 1,138
416 1,187
1,385 1,144
1,011 1,035
1,438
2009 2010
2011 2012
2013 Q1
Q2 Q3
Q4
26.4
1,375
Performance to Date: Q1 2013 Contribution Margin Profit Before Tax Strategies for 2013
1. Focusing on 150 Top
Groups, MNCs, SOEs in several industries such as
Infrastructures, Food Beverages, Telco, Oil Gas, Palm
Oil Plantations, Oleochemical Refinery, Cement Pharmacy
2. Account Plan implementation for
top 100 Corporate Banking Customers.
3. P o ide o e stop se i e solutio s
fo usto e s t a sa tio s a d create new business process to
accelerate the execution of Account Plan including effective and
responsive Complaint Handling.
4. Strengthen business alliance with
Mandiri Sekuritas to ease customers in capital market
5. Refocusing overseas branches
business by offering products and services such as
loan, funding, trade finance treasury to Indonesian-related
companies.
3,326 3,910
3,569 5,314
Q1 2013 Q1 2012
Y-o-Y
Revenues 106
96 10
• Investment Banking 16
9 78
• Capital Market 68
66 3
• Investment Mgt 22
21 5
• Asset Recovery
Operating Expenses 76
70 9
Earnings After Tax 22
17 29
Equity Transactions – bn
25,978 17,718
47 SUN Transactions - bn
12,985 22,366
42 Bonds Underwritten - bn
2,402 1,214
98
ROA 4.9
3.9 26
ROE 9.7
8.3 17
Rp Bn
35
36
1. Optimize Off-Shore Branches as a regional treasury transaction
distribution channel 2. Optimize Regional Treasury Office
to serve FX transaction from exportimport companies
3. Enhance custodian core systems to acquire new customers
4. Optimize capital market, remittance and trade businesses by launching
new product and marketing initiatives
5. Maintain NPL Ratio with effective restructuring and joint effort with
Business Unit 6. Continue construction process of
new buildings office and Mandiri University to maintain customer
satisfaction and improve employee skills and knowledge
7. Continue strategic sourcing implementation
8. Improve procurement process by enhance automated procurement
system
• 2010 – 2012 : Including collection from SAM and excluding International branches except Cayman
• 2011 Including collection from Garuda Indonesia non recurring
434 1,214
113 1,535
14 1,548
455 724
3,091
1,159 1,548
348 1,338
389
1,164 316
1,247 954
911
263 1,540
1,660
2,200
2009 2010
2011 2012
2013
Q1 Q2
Q3 Q4
33.6
4,848
1,382 6,094
Performance to Date: Q1 2013 Contribution Margin Profit Before Tax Strategies for 2013
Rp bn Rp bn
5,434
1,548
923 939
1,010 1,776
1,833 946
1,176 1,314
2,024 1,166
1,174 1,057
1,907 1,094
1,420 1,677
2,159
2009 2010 2011 2012
2013
Q1 Q2
Q3 Q4
•incl CM of Small Business BSM •in June 2010 Decline due to PSAK5055Implementation
1,924 237
238 232
2,167 334
1,833
3.1
1,833
1. Supporting Bank Mandiri Wholesale Banking vision as an Integrated
Wholesale Bank through sophisticated, customized and
completed services can increase revenue especially through potential
business like Wholesale Banking Deposit and Fee Income.
2. Increasing profit and market share through customer existing share of
wallet, increasing revenue from new customer and NPL control.
3. Provide best total business solution for customer by developing product
and services including quality bundling product, quick services and
competitive price.
4. Effective Alliance in units based on customer base in Commercial and
Small segment, especially in developing value chain business.
4,449 4,709
5,058
Performance to Date: Q1 2013 Contribution Margin Profit Before Tax Strategies for 2013
Rp bn Rp bn
7,866
37
6 .3
6 .3
6 .6
6 .2
6 .2
6 .4
6 .6
6 .0
5 .9
6 .9
7 .5
6 .9
6 .9
7 .0
7 .4
7 .1
Q 4
7 Q
4 8
Q 4
9 Q
1 1
Q 2
1 Q
3 1
Q 4
1 Q
1 1
1 Q
2 1
1 Q
3 1
1 Q
4 1
1 Q
1 1
2 Q
2 1
2 Q
3 1
2 Q
4 1
2 Q
1 1
3
12.4 13.0
12.7 12.0
12.1 12.1
12.3 13.3
13.2 13.2
13.0
11.5 12.0
12.2 12.4
12.3
5 .4
5 .7
5 .6
4 .7
4 .9
5 .0
5 .1
5 .0
5 .5
5 .4
5 .2
4 .5
4 .7
4 .5
4 .5
4 .6
1 .3
1 1
3 .2
5 1
6 .0
6 1
7 .6
5 1
9 .8
7 2
1 .4
4 2
3 .9
7 2
7 .0
9 3
.0 1
3 4
.4 1
3 6
.7 3
3 7
.4 4
3 9
.9 3
4 1
.8 2
4 4
.5 4
6 .3
Q 4
7 Q
4 8
Q 4
9 Q
1 1
Q 2
1 Q
3 1
Q 4
1 Q
1 1
1 Q
2 1
1 Q
3 1
1 Q
4 1
1 Q
1 1
2 Q
2 1
2 Q
3 1
2 Q
4 1
2 Q
1 1
3 Financing
38
9 1
.1 8
9 .1
8 3
.1 8
3 .9
8 5
.2 8
6 .3
8 2
.7 8
4 .1
8 8
.5 8
6 .3
8 6
.2 8
7 .2
9 2
.2 9
3 .9
9 3
.9 9
5 .6
FDR
Syariah Financing Rp tn Net Interest Margin Cost of Funds
Financial Performance Rp bn
YoA
CoF
NIM FY 08
FY 9 FY
FY FY
Q
Financing
13,278 16,063
23,968 36,727
44,498 46,256
Deposits
14,899 19,338
28,998 42,618
47,409 48,381
Assets
17,066 22,037
32,481 48,672
54,244 55,479
EAT
196.42 290.94
418.52 551.07
805.61 256.00
Ratios: ROA
1.83 2.23
2.21 1.95
2.23 2.56
ROE
21.34 21.40
25.05 24.24
25.04 24.71
Net NPF
2.37 1.34
1.29 0.95
1.07 3.44
Expanding Scope of Distribution, 2013
Solid Stable Source of Low Cost Funds
Product Q1
2013 Q1
2012 Growth
Demand Deposit
25.4 23.2
9.6 Rupiah
16.9 15.1
12.1 FX
8.5 8.1
4.9 Saving
Deposit 2.6
2.3 10.1
Total Low Cost Fund
28.0 25.5
9.6 Total Funding
40.8 38.0
7.4 Rp Tn
Low Cost Fund Ratio = 68.6 Funding from Java Bali = 64.8
of total funding
Sumatera Loans = Rp 14.4 tn
Funds = Rp 5.5 tn Kalimantan
Loans = Rp 6.0 tn Funds = Rp 3.3 tn
Eastern Loans = Rp 2.2 tn
Funds = Rp 0.9 tn
Java and Bali Loans = Rp 79.4 tn
Funds = Rp 30.9 tn
Business Savings Product excl. BB
CBC = 24 Unit Floor = 29 Unit
TSC = 13 Unit TSD = 18 Unit
39
BBC BB Floor
Medan
Makassar Banjarmas
in Surabaya
Semarang Denpasar
Bandung Pekanbaru
Palembang B.Lampung
Pontianak Samarinda
Manado Palu
Jayapura Balikpapan
Batam Jambi
Pematang siantar Padang
Bekasi Jakarta
Solo Tangerang
Bogor
BBC : 41 BB Floor : 80
BB Desk : 98 Mandiri Business Lounge : 45
Expanding Scope of Distribution, 2013
Solid Stable Source of Low Cost Funds
Product Q1
2013 Q1
2012 Growth
Demand Deposit
3.35 2.89
15.71 Saving
Deposit 1.23
0.77 60.35
Total Low Cost Fund
4.58 3.66
25.08 Total
Funding 5.46
4.55 20.04
Rp Tn
Low Cost Fund Ratio = 83.9 Funding from Java Bali = 64.8
of total funding
Sumatera Loans = Rp 10.5 tn
Funds = Rp 0.9 tn Kalimantan
Loans = Rp 5.4 tn Funds = Rp 0.6 tn
Eastern Loans = Rp 4.7 tn
Funds = Rp 0.3 tn
Java and Bali Loans = Rp 17.9 tn
Funds = Rp 3.5 tn
•Business Savings Product Exclude mirroring with MRB Directorate
40
1,126 761
981 965
1,237 855
583 842
842 449
877 1,033
1,170 722
899 1,311
1,242
2009 2010
2011 2012
2013 Q4
Q3 Q2
Q1
Including Small Business
4,167
41
28.2
731 1,531
955
1,723
1,494 257
1,237
1. Continue to develop retail
payment solutions for top retail industry value chains
and business clusters in order to increase low cost deposit
and fee-based income
2. Develop customer education
to further increase usage of new retail products e.g., pre-
paid as well as e-channel transactions in order to
i
ease usto e s loyalty and balances.
3. Continue to develop
integrated branding, marketing strategies
and comprehensive distribution strategy
ATMs, Branches, EDCs located at optimal locations
3,152 3,120
Performance to Date: Q1 2013 Contribution Margin Profit Before Tax Strategies for 2013
Rp bn Rp bn
4,458
1,237
42
252 476
496 770
728 355
455 486
715 413
526 531
729
489 474
693 772
2009 2010
2011 2012
2013
Q1 Q2
Q3 Q4
728 1,509
5.5
1,926 1.
Develop clear portfolio strategy, targeted to key
customer segments
2. Differentiate acquisition
strategy by markets 3.
Increase existing cards productivity
4. Strengthen Consumer Loan
organization structure to support the achievement of
business target, internal portfolio growth and the
increasing proportion of market share
5. Improving technology in
credit process through Loan Factory project shared with
Consumer Card, Small Micro to shorten credit turn
around time
6. Increasing alliance with other
Business Units to support the achievement of business
target 2,205
831 299
203 927
199 728
Performance to Date: Q1 2013 Contribution Margin Profit Before Tax Strategies for 2013
Rp bn Rp bn
2,987
43
Supporting
Materials
6,530 2,609
4,019
5,119
Net Interest Income Fee-Based Income
Overhead Expenses Others
Pre-provision Operating Profit
Q1 2012
Notes : 1. Fee based income excluding gain on sale increasing value GB securities
2. Overhead expenses + others excluding provisions
Q1 2013
Rp billion
Up 29.9
8,066 3,227
4,642
6,651
Net Interest Income Fee-Based Income Overhead Expenses
Others Pre-provision
Operating Profit
Rp billion
44
Reduce Cost of Funds Improve Assets Yield
Diversify into Fee Income
Reduce ProvisionLoan Improve Cost Efficiency
Leverage on cash generator wholesale to accelerate growth
Diversity into fee income
Competitive, sustainable
returns, with above-average
rates of growth
Business Strategy
Strategic Alliances
Support Strategy
45
6.8 7.3
7.6 8.3 8.2 8.2
8.4 8.4 8.5 8.5
8.7 8.7 8.7 8.9
Q 4
2 9
Q 1
2 1
Q 2
2 1
Q 3
2 1
Q 4
2 1
Q 1
2 1
1 Q
2 2
1 1
Q 3
2 1
1 Q
4 2
1 1
Q 1
2 1
2 Q
2 2
1 2
Q 3
2 1
2 Q
4 2
1 2
Q 1
2 1
3
Product Holding Commercial Product Holding Corporate
6.3 6.6
6.9 8.3
9.0 8.6
8.2 8.3
8.7 8.3 8.3 8.3
8.7 8.6
Q 4
2 9
Q 1
2 1
Q 2
2 1
Q 3
2 1
Q 4
2 1
Q 1
2 1
1 Q
2 2
1 1
Q 3
2 1
1 Q
4 2
1 1
Q 1
2 1
2 Q
2 2
1 2
Q 3
2 1
2 Q
4 2
1 2
Q 1
2 1
3
46
3 4
.5 6
3 5
.2 4
3 7
.8 3
3 6
.4 9
3 5
.6 4
3 1
.1 5
2 9
.1 9
2 9
.7 5
3 .6
2 3
3 .9
6 3
5 .6
8 3
8 .8
6 3
8 .6
4 1
.8 7
4 4
.4 4
4 .3
5 4
1 .8
8 4
5 .4
7 4
5 .7
3 4
9 .6
2 4
8 .1
7
104.5
95.9 111.0
80.5 78.3
68.5 61.9
68.2 71.7
76.3 80.7
86.6 82.9
91.5 89.0
75.8 76.0
76.2 75.4
76.4 68.0
50 60
70 80
90 100
110 120
M ar
8 Ju
n e
8 Se
p 8
D e
c 8
M ar
9 Ju
n e
9 Se
p 9
D e
c 9
Ma r
1 Ju
n e
1 Se
p 1
D e
c 1
Ma r
1 1
Ju n
e 1
1 Se
p 1
1 D
e c
1 1
Ma r
1 2
Ju n
1 2
Se p
1 2
D e
c 1
2 Ma
r 1
3
20 25
30 35
40 45
50 55
60
Loan Fx LDR FX
USD Billion
Rp Trillion Bank Only Breakdown of FX lending Bank Only
Q1 13 Total USD 4.957Bn
0.02 0.08
0.10 0.23
0.26 0.29
0.37 0.50
1.24 1.86
Soc Serv Oth
Constr Utilities
Bus Serv Trans
Agri Trading
Mfg Mining
34 7
26 -12
19 -3
-20 56
-15 FX Loans LDR
47
Savings Deposit Growth Transaction channel growth
8 5
.3 9
9 1
.1 1
9 5
.9 5
1 6
.4 5
9 9
.3 8
1 5
.5 1
1 1
.5 9
1 2
3 .5
1 2
1 .4
9 1
3 9
.1 5
1 4
7 .6
2 1
6 3
.7 8
1 6
3 .8
8 1
7 3
.4 3
1 8
.2 1
2 2
.2 2
1 9
5 .6
7
33.4 33.7
34.5 35.5
34.1 34.9
37.737.1 37.3
38.4 39.2
38.8 40.6
41.5 41.8
41.9 41.9
17.3 17.8
17.9 17.6
17.3 17.3
17.1 16.8
17.3 16.9
16.9 16.6 16.7
16.7 16.6
17.1
Q 1
9 Q
2 9
Q 3
9 Q
4 9
Q 1
1 Q
2 1
Q 3
1 Q
4 1
Q 1
1 1
Q 2
1 1
Q 3
1 1
Q 4
1 1
Q 1
1 2
Q 2
1 2
Q 3
1 2
Q 4
1 2
Q 1
1 3
Savings Deposits Rp tn As of Total Deposits
National Share of Savings Deposits
1 ,1
.5 1
,1 5
8 .9
1 ,2
3 .6
1 ,3
1 5
.4 1
,2 9
3 .3
1 ,3
2 1
.8 1
,3 8
.5 1
,3 5
7 .4
1 ,4
7 2
.3 1
,5 5
6 .5
1 ,6
7 9
.4 1
,6 8
8 .9
1 ,6
9 7
.1 1
,8 9
.8 1
,8 5
5 .2
1 ,9
6 6
.2 1
,9 5
3 .5
97.4 106.6
116.7 131.4 129.9 136.5
143.2 147.5 157.6
168.3 182.7 197.3 219.9
236.8 247.1
278.2 279.4
61.6 63.2
67.2 73.0 71.9 73.2
77.6 76.0 82.5
85.4 92.9 91.2
112.6 128.1
136.9 147.2 139.6
Other Payment
Transfer Withdrawal Inquiry
Avg ATM Daily Vol 000
7 ,5
1 9
,6 2
3 1
1 ,0
5 7
1 2
,8 6
8 1
3 ,6
2 5
1 4
,9 5
5 1
4 ,7
3 6
1 5
,3 9
2 1
7 ,9
8 2
1 ,2
5 1
2 3
,0 6
6 2
5 ,3
9 3
2 9
,7 4
5 2
7 ,3
2 5
3 2
,2 1
3 3
4 ,5
5 3
,7 7
2
2,955 3,165
2,780 2,8222,976
3,3353,4543,216 3,084
3,258 2,953
3,219 3,179
3,235 3,218
3,330 3,203
Q 1
9 Q
2 9
Q 3
9 Q
4 9
Q 1
1 Q
2 1
Q 3
1 Q
4 1
Q 1
1 1
Q 2
1 1
Q 3
1 1
Q 4
1 1
Q 1
1 2
Q 2
1 2
Q 3
1 2
Q 4
1 2
Q 1
1 3
Quarterly Call Center Trans. 000 Quarterly SMS Trans. 000
48
Value Chain Gas Station Value Chain of Top 3 Telco
Relationships
7 4
7 7
3 7
3 5
8 3
9 2
2 8
9 5
9 2
6 1
,0 1
1 ,2
5 2
1 ,3
5 1
2,745 2,832 2,909
3,011 3,346 3,368
3,429 3,478
3,527 3,538
- 500
1,000 1,500
2,000 2,500
3,000 3,500
4,000
100 100
300 500
700 900
1,100 1,300
1,500
Dec 10
Mar 11
Jun 11
Sep 11
Dec 11
Mar 12
Jun 12
Sep 12
Dec 12
Mar 13
Avg Bal Rp bn
Total SPBU unit
9 3
1 4
1 1
8 1
5 1
1 4
4 1
3 3
1 3
7 1
4 4
1 8
4 1
8 4
88 91
108 187
196 197
221 227
244 249
- 50
100 150
200 250
300
- 50
100 150
200 250
Dec 10
Mar 11
Jun 11
Sep 11
Dec 11
Mar 12
Jun 12
Sep 12
Dec 12
Mar 13
Avg Bal Rp bn
Total Authorized Dealer unit
49
4 ,7
5 6
5 ,1
6 9
9 ,6
7 1
,2 3
1 1
,5 3
3 1
1 ,5
1 2
,2 8
1 1
5 ,4
6 9
1 5
,7 5
6 2
2 ,0
8 5
2 4
,2 3
2 3
,9 6
8 2
4 ,1
6
Mar 10
Jun 10
Sept 10
Dec 10
Mar 11
Jun 11
Sep 11
Dec 11
Mar 12
Jun 12
Sep 12
Dec 12
Mar 13
2,085 4,067 4,324
4,878 5,665
6,482 6,716 7,534
8,772 9,710
10,368
Q409 Q410
Q111 Q211
Q311 Q411
Q112 Q212
Q312 Q412
Q113 Rp Billion
Consumer Loans from Alliance Program 10 top corporate clients
Total Payroll in 2010-2013
Rp Billion
Co-Branding Prepaid Card Program
14,612 55,174 57,945
63,922 75,407 93,147 96,048 96,749
114,919 147,424
165,762
Q409 Q410
Q111 Q211
Q311 Q411
Q112 Q212
Q312 Q412
Q113
Corporate Card Holder from Alliance Program 10 top corporate clients
Including all payments to the employees
50
2 ,9
7 2
k V
is a
M as
te rc
ar d
s tr
an sac
te d
R p
4 .8
9 tn
i n
Q 1
2 1
3
Man d
ir i V
is a
Mas te
rc ar
d s
an d
E O
Q R
e ce
iv ab
le s
2,223.2 2,251.0
2,452.2 2,753.7
2,989.3 2,973.4
3,238.7 3,372.5
3,589.2 3,574.9
3,760.9 3,910.5
4,296.0 4,245.2
4,491.6 4,590.5
5,035.2 5,024.6
1 ,3
3 1
1 ,4
9 1
,5 4
4 1
,6 8
1 ,6
7 8
1 ,7
7 1
,9 8
2 ,0
8 1
2 ,1
5 6
2 ,2
5 4
2 ,3
5 8
2 ,4
4 6
2 ,5
7 2
,6 8
5 2
,8 5
1 2
,9 7
2
Q4 08 Q1 09
Q2 09 Q3 09
Q4 09 Q1 10
Q2 10 Q3 10
Q4 10 Q1 11
Q2 11 Q3 11
Q411 Q112
Q212 Q312
Q412 Q113
R e
ce iv
ab le
s Rp
B n
C ar
d s
s 1,914
1,891 2,163
2,552 2,676
2,497 2,848
3,003 3,132
3,032 3,421
3,669 4,080
3,782 4,167
4,462 5,053
6 3
5 9
5 4
6 5
8 5
5 5
5 5
5 6
5 3
5 3
5 6
5 5
5 4
5 3
5 3
5 9
1 9
3 9
5 2
4 3
5 5
6 4
7 5
6 5
7 2
8 2
5 8
4 3
6 2
9 1
1 3
8 2
5 2
Q4 08 Q1 09
Q2 09 Q3 09
Q4 09 Q1 10
Q2 10 Q3 10
Q4 10 Q1 11
Q2 11 Q311
Q411 Q112
Q212 Q312
Q412 Q113
Tr an
sf e
r B
al an
ce
C as
h A
d van
ce
R e
tai l
To tal
C ar
d Q
u ar
te rl
y Sal
e s
b y
Ty p
e o
f Tr
an sac
ti o
n R
p B
n
52
Corporate Customer by Rating Summary of Risk Management Initiatives
Credit
Market
Operational
• ORM implementation in all unit, incl. overseas offices subsidiaries
• Bring Op. Risk top issues into Management • Review Op. Risk on new procedures new products
• Development of risk measurement system for derivative structured product Summit
• Implement Market Risk Internal Model • Intraday Limit Monitoring
• Enhance Policy Procedure for Treasury ALM • Enhance FTP Fund Transfer Pricing method
• Develop liquidity stress test safety level • Develop measurement of capital for IRBB
• Wholesale Transaction: Optimize credit decision process by focusing on quantitative factors of
analysis, redefining clear role of risk team , and aligning RM Organization into business expansion
• High Yield Business: Assign dedicated team, set up loan factory, enhanced business process incl.
tools, monitoring collection system, policy • Optimize capital by implementing ERM VBA
• Consolidate risk management of subsidiaries High Risk Rating C- G
Medium Risk Rating BBB – B
Low Risk Rating AAA – A
51 64
68 60
69 91
84 87
34 24
21 25
24 7
13 10
15 12
11 15
7 2
3 3
20 40
60 80
100
2006 2007 2008 2009 2010 2011 2012 2013
IDR billion Cons Q1 2013
FY 2012 Q1 2012
Y-o-Y
Gross Loans
391,641 388,830
327,170 19.71
Government Bonds
79,234 78,936
78,398 1.07
Total Assets 640,599
635,619 546,852
17.14 Customer Deposits
467,016 482,914
403,534 15.73
Total Equity
81,034 76,533
66,256 22.30
RoA - before tax p.a.
3.54
3.54 3.27
RoE – after tax p.a.
21.85 22.55
21.12 Cost to Income
41.10
45.47 43.98
NIM p.a.
5.38
5.46 5.03
LDR
83.46
80.11 80.70
Gross NPL Total Loans 2.08
1.87 2.22
Provisions NPLs
177.23
193.43 184.95
Tier 1 CAR
15.28
13.60 17.83
CAR Under Basel III
- -
- Total CAR incl. Credit, Opr Market Risk
17.04 15.48
17.54 EPS Rp
184
664 146
26.46 Book ValueShare Rp
3,473 3,280
2,840 22.30
Bank Only
53
T o
tal A
ss e
ts g
re w
1 7
.1 Y
-o -Y
t o
R p
6 4
.6 tn
Tot al A
sse ts
Rp tn
C o
n so
lid a
te d
176.9 153.5
148.8 122.9
93.1 92.1
92.2 92.3
91.0 90.6
90.6 89.5
90.8 89.5
88.6 88.4
88.5 88.3
88.4 88.2
88.4 89.1
86.8 83.5
82.2 78.1
78.2 77.9
78.1 78.5
78.4 80.4
77.9 78.9
79.2
43.0 48.3
65.4 65.4
75.9 106.9
105.1 107.8
108.8 117.7
114.3 116.3
121.7 138.5
135.5 149.6
162.8 174.5
175.2 181.6
188.3 198.5
201.9 218.0
231.9 246.2
251.8 276.7
297.5 314.4
327.2 350.4
365.2 388.8
391.6
27.0 33.4
60.5 36.1
50.6 64.5
57.6 55.1
54.0 59.2
56.1 59.2
61.2 91.1
75.5 66.7
67.4 95.7
84.1 89.0
89.8 106.9
110.6 100.6
95.3 125.5
136.1 120.3
126.4 159.1
141.3 140.9
145.3 167.9
169.7
4 8
1 2
1 6
2 2
4 2
8 3
2 3
6 4
4 4
4 8
5 2
5 6
6 6
4 Q4 00
Q4 01 Q4 02
Q4 03 Q4 04
Q4 05 Q1 06
Q2 06 Q3 06
Q4 06 Q1 07
Q2 07 Q3 07
Q4 07 Q1 08
Q2 08 Q3 08
Q4 08 Q1 09
Q2 09 Q3 09
Q4 09 Q1 10
Q2 10 Q3 10
Q410 Q111
Q211 Q311
Q411 Q112
Q212 Q312
Q412 Q113
G o
ve rn
m e
n t
B o
n d
s Lo
a n
s O
th e
r A
ss e
ts
7 5
.4 75
.4 7
4 .1
6 .6
4 .9
4 7
.1 3
4 .8
3 2
.3 3
2 .4
2 5
.4 1
9 .6
1 7
.7 1
6 .6
1 3
.4 1
1 .2
8 .5
6 .1
7 .3
7 .2
6 .0
1 9
.0 1
9 .0
1 9
.0 3
4 .1
4 6
.9 5
.1 5
2 .2
5 6
.8 5
7 .2
6 3
.6 6
8 .3
7 6
.0 7
1 .7
7 6
.5 7
5 .5
7 9
.5 9
.9 8
3 .4
8 8
.6 87
.9 88
.4
In t.
f ro
m B
o n
d s
In t.
f ro
m L
o a
n s
55
Recoveries of Written off
Loans
Aggregate of Rp32.604 tn US 3,355 bn in written-off loans as of end-of march 2013, with significant recoveries and write back on-going:
2001: Rp2.0 tn
2002: Rp1.1 tn
2003: Rp1.2 tn
2004: Rp1.08 tn
2005: Rp0.818 tn US 83.2 mn
2006: Rp3.408 tn US 378.5 mn
2007: Rp1.531 tn US 249.3 mn
2008: Rp2.309 tn US 211.8 mn
9 Mo 09:
Rp1.489 tn US 146.4 mn
Q4 09: Rp0.775 tn US 82.5 mn
Q1 10: Rp0.287 tn US 31.6 mn
Q2 10: Rp0.662 tn US 73.0 mn
Q3 10: Rp0.363 tn US 40.7 mn
Q4 10: Rp1.349 tn US149.7 mn
Q1 11: Rp0.468 tn US53.8 mn
Q2 11: Rp0.446 tn US51.9 mn
Q3 11 : Rp0.508 tn US57.8 mn
Q4 11 : Rp0.78 tn US86.1 mn
Q1 12 : Rp1.647tn US180.1mn
Q2 12: Rp0.721tn US76.8mn
Q3 12: Rp0.489tn US51.1mn
Q4 12: Rp0.885tn US91.8mn
Q1 13 :Rp0.918tn US94.5mn
including the write-back of RGM loans totaling Rp2.336 tn Including the write back of Kharisma Arya Paksi loans totaling Rp 0.124 tn and Gde Kadek Rp0.59tn.
56
Q1 ‘12
Summary BS
Q Q
Q Q
Q Y-o-Y
Rp tn Rp tn
Rp tn Rp tn
Rp tn
Total Assets 640.60
635.62 588.41
571.76 546.85
17.1 Cash
11.68 15.29
11.48 11.38
9.30 25.6
Current Acc w BI other banks 63.16
47.92 45.05
60.36 45.35
39.3 Placement w BI other banks
38.96 48.32
43.38 21.04
36.20 7.6
Securities 14.00
11.05 10.98
7.59 9.16
53.0 Government Bonds
79.23 78.94
77.92 80.43
78.40 1.1
- Trading 2.63
2.18 1.76
1.21 1.21
117.2 - AFS
54.36 53.37
52.77 55.84
53.82 1.0
- HTM 22.25
23.39 23.39
23.38 23.37
4.8 Loans
391.64 388.83
365.16 350.42
327.17 19.7
- Performing Loans 384.87
381.53 357.66
343.08 319.82
20.3 - Non-Performing Loans
6.77 7.30
7.50 7.34
16.05 57.8
Allowances 14.46
14.11 14.20
13.55 13.53
6.9 Loans
– Net 377.18
374.72 350.96
336.87 313.64
20.3 Total Deposits
– Non Bank 467.02
482.91 430.92
418.22 403.53
15.7 - Demand Deposits
94.52 113.91
91.44 87.00
80.49 17.4
- Savings Deposits 195.67
202.22 180.21
173.43 163.88
19.4 - Time Deposits
176.83 166.79
159.27 157.79
159.16 11.1
“ha eholde s E uity 81.03
75.71 71.30
67.10 66.26
22.3
USD1 = Rp9,717.5
incl. Minority Interest
57
Summary PL Q1 2013
Q4 2012 Q1 2012
Y-o-Y Q-o-Q
Rp Bn of
Av.Assets Rp Bn
of Av.Assets
Rp Bn of
Av.Assets
Interest Income 11,402
7.2 11,399
7.5 9,939
7.2 14.7
0.0 Interest Expense
3,946 2.5
3,830 2.5
3,936 2.9
0.3 3.0
Net Interest Income 7,455
4.7 7,569
4.9 6,003
4.4 24.2
1.5 Net Premium Income
610 0.4
514 0.3
528 0.4
15.5 18.7
Net Interest Income Premium Income 8,066
5.1 8,083
5.3 6,531
4.7 23.5
0.2 Other Non Interest Income
0.0 Other Fees and Commissions
1,861 1.2
2,086 1.4
1,704 1.2
9.2 10.8
Foreign Exchange Gains – Net
226 0.1
233 0.2
210 0.2
7.6 3.0
Gain from Incr. in value of sec sale of Gov.Bonds 46
0.0 257
0.2 134
0.1 65.7
82.2 Others
1,140 0.7
1,078 0.7
694 0.5
64.3 5.8
Total Non Interest Income 3,273
2.1 3,654
2.4 2,742
2.0 19.4
10.4 Total Operating Income
11,339 7.1
11,737 7.7
9,273 6.7
22.3 3.4
Provisions, Net 1,089
0.7 597
0.4 936
0.7 16.3
82.4 Personnel Expense
2,042 1.3
2,372 1.6
1,865 1.4
9.5 13.9
GA Expenses 2,034
1.3 2,565
1.7 1,614
1.2 26.0
20.7 Loss from decr in value of sec Gov Bonds
- 0.0
- 0.0
- 0.0
na na
Other Expenses 566
0.4 951
0.6 540
0.4 5.0
40.4 Total Expense
4,642 2.9
5,887 3.8
4,019 2.9
15.5 21.1
Profit from Operations
5,608 3.5
5,253 3.4
4,318 3.1
29.9 6.7
Non Operating Income 42
0.0 647
0.4 174
0.1 75.9
93.4 Net Income Before Tax
5,650 3.6
5,900 3.9
4,492 3.3
25.8 4.2
Net Income After Tax 4,303
2.7 4,385
2.9 3,403
2.5 26.5
1.9
of Average Assets on an annualized basis
58
Ministry of Finance
Market Sale Bank
Indonesia
•
BI will gradually replace their use of SBI for market operations with SUN
•
BI could buy the Recap bonds gradually and this includes potential purchases of SUN VR
•
The Ministry of Finance will consider to buyback the SUN VR
•
Potential for debt switching with a different tenor of fixed rate bonds.
•
Bundle the recap bonds with assets creating an asset backed security and sell it to the market.
•
Sell the bonds, borrowing FX and use the liquidity to increase lending.
59
Maturity Rp bn
Trading Portfolio Available for Sale
Held to Maturity
Nominal MTM
Nominal MTM
Fixed Rate Bonds 1 year
28 29
- -
470 1 - 5 year
624 658
3,422 3,595
892 5 - 10 year
183 217
2,589 2,588
79 10 year
577 671
- -
111 Sub Total
1,413 1,575
6,032 6,183
1,552
Variable Rate Bonds 1 year
- -
- -
- 1 - 5 year
- -
5,643 5,596
21,745 5 - 10 year
- -
43,098 42,583
- 10 year
- -
- -
- Sub Total
- -
48,741 48,179
21,745
T o t a l
1,413 1,575
54,773 54,362
23,297
Gov’t Bond Portfolio by Type and Maturity Rp79,234bn
Q Q
Q Q
Realized GainsLosses
on Bonds 68.86
80.39 206.74
239.71 Unrealized
GainsLosses on Bonds
22.19 12.77
5.82 10.80
Total 91.05
93.16 360.64
250.51
Q1 ’13 Gov’t Bond GainsLosses Rp bn
Mark to Market impacts Profit Mark to Market impacts Equity
Nominal value
48.74 21.75
1.58
6.03
1.55 10
20 30
40 50
60 70
Trading AFS
HTM
Fixed Rate Variable Rate
Bonds by Rate Type Portfolio as of March 2013 Rp bn
60
Stated in Rp Millions
61
Moody s Fitch
Outlook STABLE
Outlook STABLE
Long Term Rating Baa3
LT FC Issuer Default BBB-
Foreign LT Bank Deposits Baa3
LT LC Issuer Default BBB-
Local LT Bank Deposits Baa3
Subordinated Debt NR
Senior Unsecured Debt WR
ST Issuer Default Rating F3
Bank Financial Strength D
Individual Rating WD
Foreign Currency ST Deposits P-3
Support Rating 2
Local Currency ST Deposits P-3
“ta dard Poor s Pefindo
Outlook STABLE
Outlook STABLE
LT Foreign Issuer Credit BB+
LT General Obligation idAAA
LT Local Issuer Credit BB+
Subordinated Debt idAA+
ST Foreign Issuer Credit B
ST Local Issuer Credit B
62
Dividend Payment
Net Profit for the financial year of 2012 of Rp15.504.066.523.686,20 was distributed as follows:
• 30, or 4.651.219.957.105,86, for the annual dividend • Total Dividend Payment of Rp199.33 per share
Schedule : a. Cum Date:
Regular and Negotiated Market: April 26, 2013
Cash Market: May 01, 2013
b. Ex Date: Regular and Negotiated Market:
April 29, 2013 Cash Market:
May 02, 2013 c. Payment Date:
May 16, 2013 Net Profit for the financial year of 2011 of Rp12,246,043,872,179.50
was distributed as follows: • 20, or Rp2,449,208,774,435.90, for the annual dividend
• Total Dividend Payment of Rp104.96 per share
63
3 2
1 ,1
3 6
4,127 1,964
2 11
1,579 382
3 2
,9 4
4
Beg. Bal. DG to 2 UG from
2 DG to
NPL UG from
NPL Net
Disburs. FX Impact End Bal.
Category 1 Loan Movements Rp bn – Bank Only
Category 2 Loan Movements Rp bn – Bank Only
1 2
,8 6
4 4,127
1,964 1,243
105 713
19
1 3
,1 9
5
Beg. Bal. Cat. 1 DG UG to 1 DG to
NPL NPL UG
Net Disburs.
FX Impact End Bal.
64
Loan Profile: Q1 Collectability by Segment Bank Only
96.1 96.8
88.1 89.3
91.4 2.0
2.1 9.9
7.1 5.4
0.1 0.3
0.4 0.6
0.4 1.8
0.6 1.1
2.1 1.9
Corp Comm
Cons Micro
Small
5 4
3 2
1
124,827 98,989
43,475 18,470
35,184
2,612
2,137
4,884
1,465 2,097
2,357
652
542
431 715
10,000 20,000
30,000 40,000
50,000 60,000
70,000 80,000
90,000 100,000
110,000 120,000
130,000
Corp Comm
Cons Micro
Small Loan Profile: Q1 Collectability Rp bn by Segment
Bank Only
6 5
C u
rr e
n t
3 D
ay s O
D
o an
D
e tai
l : Q
u a
rt e
rly b
y D
ay s P
as t D
u e
ar te
rly D
G to
N P
L In
te re
st D
P D
- B
an k O
n ly
11 ,1
61 6,9
01 1,1
77 4,1
06 1,5
58 1,3
04 1,0
31 1,6
44 23
5 78
3 56
1 13
4 50
3 59
6 32
5 1,8
58 1,9
75 29
7 48
28 3
85 1
61 7
45 4
55 2
1,2 84
35 7
60 5
50 3
55 3
64 9
37 9
54 5
79 6
Q1 05 Q2 05
Q3 05 Q4 05
Q1 06 Q2 06
Q3 06 Q4 06
Q1 07 Q2 07
Q3 07 Q4 07
Q1 08 Q2 08
Q3 08 Q4 08
Q1 09 Q2 09
Q3 09 Q4 09
Q1 10 Q2 10
Q3 10
Q410 Q111
Q211 Q311
Q411 Q112
Q212 Q312
Q412 Q113
Rp B
n V
a lu
e
Q u
ar te
rly N
P L
St o
ck In
te re
st D
P D
- B
an k O
n ly
17 ,4
56 24
,9 62
24 ,1
93 26
,2 48
26 ,4
24 25
,6 65
25 ,4
14 17
,9 60
17 ,1
80 16
,5 00
13 ,6
03 10
,6 54
6,5 58
6,5 10
6,5 86
7,8 33
9,6 78
7,7 00
6,0 99
4,5 05
3,5 89
3,6 68
3,9 85
3,9 29
43 01
42 61
49 83
48 05
49 27
46 43
46 44
44 96
48 11
.9 5
,0 1
,0 1
5 ,0
2 ,0
2 5
,0 3
,0 Q1 05
Q2 05 Q3 05
Q4 05 Q1 06
Q2 06 Q3 06
Q4 06 Q1 07
Q2 07 Q3 07
Q4 07 Q1 08
Q2 08 Q3 08
Q4 08 Q1 09
Q2 09 Q3 09
Q4 09 Q1 10
Q2 10 Q3 10
Q410 Q111
Q211 Q311
Q411 Q112
Q212 Q312
Q412 Q313
Rp B
n …
E xc
lu d
in g
M ic
ro C
o n
su m
e r L
o a
n s O
n ly
1 2
3 4
5 6
7
C u
rr e
n t
3 D
ay s O
D
66 2
9 ,5
4 2
2 3
,9 8
7 2
1 ,0
4 5
1 9
,4 2
7 2
,9 1
4 2
,6 4
5 1
6 ,5
6 1
7 ,1
4 1
6 ,0
4 6
1 5
,2 7
1 1
6 ,2
7 8
1 5
,3 3
4 1
4 ,1
3 1
1 3
,6 4
6 1
3 ,5
4 6
1 3
,5 3
4 1
4 ,2
3 6
1 4
,1 7
1 3
,9 5
7 1
1 ,6
7 1
1 1
,6 8
9
2 2
A d
d D
e d
uc t
2 3
A d
d D
e d
uc t
2 4
A d
d D
e d
uc t
2 5
A d
d D
e d
uc t
2 6
A d
d D
e d
uc t
2 7
A d
d D
e d
uc t
2 8
A d
d D
e d
uc t
2 9
A d
d D
e d
uc t
Q 1
1 A
d d
D e
d uc
t Q
2 1
A d
d D
e d
uc t
Q 3
1 A
d d
D e
d uc
t Q
4 1
A d
d D
e d
uc t
Q 1
1 1
A d
d D
e d
uc t
Q 2
1 1
A d
d D
e d
uc t
Q 3
1 1
A d
d D
e d
uc t
Q 4
1 1
A d
d D
e d
uc t
Q 1
1 2
A d
d D
e d
uc t
Q 2
1 2
A d
d D
e d
uc t
Q 3
1 2
A d
d D
e d
uc t
Q 4
1 2
A d
d D
e d
uc t
Q 1
1 3
Others Write-Offs
Repayments Restructuring
Balance
IDR bn
Others includes partial payments, FX impacts, and fluctuation in Working Capital facilities
Loans by Restructuring Type in Q1 2013
Maturity extension;
53.5
Maturity extension
wreduced rates; 6.3
Maturity extension
wother restrg;
37.5 LT loans
wconvert; 1.4
Additional loans; 0.3
Other Restructuring includes reduction of interest rates, rescheduling of unpaid interest extension of repayment period for unpaid interest
Restructured Loan Movement 2002 - Q1 2013
Rp billions Q3
Q4 Q1
Q2 Q3
Q4 Q
Loans Restructured
-
1,247
1,144 202
956 316
586 NPL Collections
222 931
195 164
148 926
277
67
Plantations 15
Bus Serv 11
T rad
-Re t
8 Constr
4 Plantations
Other Mfg Bus Serv
Mfg-FB Trad-Ret
Trad-Distr Mfg-Chem
Trans Other
Other Trading Mining-Oil Gas
Utilities Constr
1 Non-consolidated numbers Each sector 4
Excluding Micro Consumer Loans Only
68
Mandiri Credit Card Delinquency Rates
75.60 87.50
62.63 62.02
59.10 61.34
53.75 49.60
46.43 45.90 56.62
69.65 68.11
69.95 81.62
93.39 87.89
95.84 105.82
104.78 98.85 100.19
106.07 102.27
111.79 137.08
32.6 40.8
37.5 37.1
29.7 28.6
43.5 45.7
57.3 53.5
63.0 65.6
65.5 63.8
61.5 59.2
64.9 66.5
67.7
6.9 8.8
13.9 14.5
17.6 16.9
24.4 23.6
36.0
25.5 28.9
35.9 39.1
38.8 54.0
42.2 56.7
62.0
Q 4
5 Q
4 6
Q 1
7 Q
2 7
Q 3
7 Q
4 7
Q 1
8 Q
2 8
Q 3
8 Q
4 8
Q 1
9 Q
2 9
Q 3
9 Q
4 9
Q 1
1 Q
2 1
Q 3
1 Q
4 1
Q 1
1 1
Q 2
1 1
Q 3
1 1
Q 4
1 1
Q 1
1 2
Q 2
1 2
Q 3
1 2
Q 4
1 2
Q 1
1 3
NPLs 90+DPD Write-Offs
Recoveries
Quarterly Charge-offs, NPLs Recoveries Rp Bn
10.2 8.8
6.7 5.4
4.2 5.2
4.8 5.3 5.2
5.7 5.4
5.1 4.7
5.0 4.8
4.6 5.0
5.2
5.3 4.3
3.5 2.8
2.2 2.5
2.5 2.7
2.6 2.7
3.0 2.82.6
2.3 2.4
2.4 2.2
2.2 2.7
5.0 4.8
3.9 3.3
2.4 2.4
2.2 2.2 2.1
2.2 2.22.2 2.3
2.2 2.2
2.4 2.5 2.0
1.8 1.3
1.2 1.1
1.1 1.0 1.1
1.1 1.1 1.1
1.1 1.0
1.0 1.1
Q 4
5 Q
4 6
Q 1
7 Q
2 7
Q 3
7 Q
4 7
Q 1
8 Q
2 8
Q 3
8 Q
4 8
Q 1
9 Q
2 9
Q 3
9 Q
4 9
Q 1
1 Q
2 1
Q 3
1 Q
4 1
Q 1
1 1
Q 2
1 1
Q 3
1 1
Q 4
1 1
Q 1
1 2
Q 2
1 2
Q 3
1 2
Q 4
1 2
Q 1
1 3
30 DPD - Rp 90 DPD - Rp
30 DPD - Cards 90 DPD - Cards
Staf fing
and Distribution Networ
k Growth
17,204 17,735
18,397 19,693
21,192 21,062
21,631 22,408
22,909 23,445
24,282 24,954
25,236 25,706
26,327 27,305
27,907 28,183
28,153 28,518
30,762 30,830
2001 2002
2003 2004
2005 2006
2007 2008
2009 Q110
Q210 Q310
Q410 Q111
Q211 Q311
Q411 Q112
Q212 Q312
Q412 Q113
635 687
730 789
909 924
956 1,027
1,095 1,108
1,180 1,296
1,370 1,381
1,442 1,526
1,537 1,548
1,643 1,733
1,810 1,811
2001 2002
2003 2004
2005 2006
2007 2008
2009 Q110
Q210 Q310
Q410 Q111
Q211 Q311
Q411 Q112
Q212 Q312
Q412 Q113
3,160 4,000
4,716 5,537
6,025 6,265
7,041 7,851
12,666 14,165
14,359 14,822
18,321 18,581
18,939 21,478
22,794 23,602
28,309 31,139
35,300 35,395
2001 2002
2003 2004
2005 2006
2007 2008
2009 Q110
Q210 Q310
Q410 Q111
Q211 Q311
Q411 Q112
Q212 Q312
Q412 Q113
1,184 1,559
2,022 2,470
2,560 2,800
3,186 4,120
4,996 4,997
5,224 5,495
6,496 6,505
8,480 8,993
8,996 8,996
10,361 10,466
10,985 10,985
2001 2002
2003 2004
2005 2006
2007 2008
2009 Q110
Q210 Q310
Q410 Q111
Q211 Q311
Q411 Q112
Q212 Q312
Q412 Q113
Em ploy
ees
D om
es tic
Branc h
N et
w ork
A T
M N
et w
ork
A T
M -Link
N et
w ork
1 7
5 .2
1 8
1 .6
1 8
8 .3
1 9
8 .5
2 1
.9 2
1 8
.0 2
3 1
.9 2
4 6
.2 2
5 1
.8 2
7 6
.7 2
9 7
.5 3
1 4
.4 3
2 7
.2 3
5 .4
3 6
5 .2
3 8
8 .8
3 9
1 .6
63.2 62.2
62.8 61.4
64.1 66.3
71.7 67.6
70.2 75.9
78.7 74.1
80.7 83.4
84.4 80.1
83.5
Q 1
9 Q
2 9
Q 3
9 Q
4 9
Q 1
1 Q
2 1
Q 3
1 Q
4 1
Q 1
1 1
Q 2
1 1
Q 3
1 1
Q 4
1 1
Q 1
1 2
Q 2
1 2
Q 3
1 2
Q 4
1 2
Q 1
1 3
Loans Rp tn LDR
1.4 3.7 3.7
5.5 1.7
7.9 6.4
6.2 2.3
9.9 7.5
5.7 4.1 7.1
4.2 6.5
0.7 30.5
21.4 15.7
13.8 15.3
20.0 23.2
24.0 24.7
26.9 28.3
27.7 30.0
26.6 22.8
23.7 19.7
Q 1
9 Q
2 9
Q 3
9 Q
4 9
Q 1
1 Q
2 1
Q 3
1 Q
4 1
Q 1
1 1
Q 2
1 1
Q 3
1 1
Q 4
1 1
Q 1
1 2
Q 2
1 2
Q 3
1 2
Q 4
1 2
Q 1
1 3
QoQ Growth YoY Growth
Quarterly Loan Data
Consolidated
7 8
.8 7
9 .7
8 2
.0 8
2 .7
8 2
.9 8
8 .7
9 2
.8 9
3 .6
9 2
.5 1
3 .1
1 1
.4 1
1 1
.7 1
1 8
.6 1
2 5
.2 1
2 9
.3 1
3 1
.7 1
2 9
.9 4
2 .6
4 3
.6 4
5 .3
5 .6
5 .4
5 4
.2 5
8 .6
6 4
.7 6
4 .5
7 .7
7 5
.3 8
1 .1
8 2
.9 9
.1 9
3 .6
1 3
.0 1
2 .3
14.4 15.8 16.6
17.4 18.0 19.7
20.7 22.8 24.5
25.9 27.7
30.3 30.9
33.2 35.1
38.5 38.5
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
19.7 20.6 21.7
23.6 24.8 26.7
28.6 30.7 32.4
34.3 36.3
39.0 40.7
43.3 44.5
47.7 49.3
Q 1
9 Q
2 9
Q 3
9 Q
4 9
Q 1
1 Q
2 1
Q 3
1 Q
4 1
Q 1
1 1
Q 2
1 1
Q 3
1 1
Q 4
1 1
Q 1
1 2
Q 2
1 2
Q 3
1 2
Q 4
1 2
Q 1
1 3
Corporate Commercial
Small Micro
Consumer
Quarterly Loan Segment Details
Bank Only
Y-o-Y
21.1 58.1
24.4
23.4
9.5 19.0
Total 14.5
6.1 11.3
30.0
38.1
Break down
As of Mar 2013; Non-consolidated numbers
70
29.45 18.01
6.24 5.68
5.32
64.70
Corporate Commercial Small
Micro Cons Fin
Total
339.97 43.26
16.03 20.38
6.00 0.40
0.57 340.65
Q412 Disburs.
Install. Payment Pay-off FX
Impact Write-
Offs Q4 12
Loan Movement Rp tn – Bank Only Q1 2013
Loan Disbursement by Segment in Q4Rp tn – Bank Only
71
Pre-Paid Card Volume 000s
489 774 386 560 506
648 775 1,748 2,118
4,670 4,015
2,418 2,8483,156
3,326 3,741
3,966 5,072
5,908 8,146
11,680 18,356
20,211 22,112
21,752
28 7 9
14 19 14 12 14 9
214 209 161
19 272
Q 4
9 Q
1 1
Q 2
1 Q
3 1
Q 4
1 Q
1 1
1 Q
2 1
1 Q
3 1
1 Q
4 1
1 Q
1 1
2 Q
2 1
2 Q
3 1
2 Q
4 1
2 Q
1 1
3
Indomaret e-Toll
Gaz e-Money
Pre-Paid Transaction Volume 000s
72
volume for quarter
E-Money as re-brand prepaid Mandiri, published on Oct 15, 12.
Can be used for Toll-road Transactions Jabodatabek, Parking ISS Parking, Bus
Trans Solo Trans Jogja, Fuel Pertamina Gas Stations, Retail Shops
Indomaret, Alfamart, Alfamidi, Lawson, Superindo, Restaurants Solaria,
Excelso, Es Teller 77.
Can be owned by all customers non customers with a maximum balance of Rp
1 million. Recharge available at Mandiri ATM, ATM Bersama, E-money machines,
and E-money merchants.
165.6 259.0
293.0 353.0
458.0 516.7
626.8 688.3
773.3 846.2
981.3 1,093.3
1,226.0 1,311.9
99.5 129.3
150.0 163.0
183.0 204.0
295.0 367.5
505.8 693.3
919.8 1,097.9
1,412.0 1,486.6
34.3 36.0
39.3 43.0
45.0 47.6
47.7 48.1
49.4 49.4
49.7 49.7
58.0 58.5
3.7 24.8
D e
c- 9
M ar
-1 Ju
n -1
Se p
-1 D
e c-
1 M
ar -1
1 Ju
n -1
1 Se
p -1
1 D
e c-
1 1
Mar -1
2 Ju
n -1
2 Se
p -1
2 D
e c-
1 2
Mar -1
3
Indomaret e-Toll
Gaz e-Money
200 300
502 502
600 800
800 878
928 928
10 152
480 710
760 760
2008 2009
2010 2011
2012 Q1
2013
Branch Unit
Kiosk
271 430
562 694
815 844
2008 2009
2010 2011
2012 Q1
2013
Customers 000 Network
Of New Customers
7 3
,5 6
6 7
9 ,5
7 6
,3 2
5 9
4 ,8
5 5
7 4
,0 3
7 1
1 ,0
1 2
1 ,0
7 1
4 6
,3 5
9 1
2 6
,5 9
1 4
,0 6
4 1
3 1
,7 1
5 1
4 7
,8 2
5 1
3 8
,7 4
7
Q1 10
Q2 10
Q3 10
Q4 10
Q1 11
Q2 11
Q3 11
Q4 11
Q1 12
Q2 12
Q3 12
Q4 12
Q1 13
73
• Scorecard Refinement •Training Capacity
Development of Managers
•MKA Revitalization focus on credit analysis
verification
•Loan Factory for Fixed Income Loan
•FIN-1 Collection System •Change in Organization
•Crash Program for NPL debtors settlement
Origination Targeting
Maintenance Review
Collection
Operational Risk Building New
Business
•750 MKS and 250 M3KCM added this year
•Biweekly RTTA Risk, Threshold, Trigger
Action Plan Review Forum
•Mobile Sales and Maintenance System for MKS
•Incentive Scheme Refinement
•Post Transaction Control Welcome Call
•Savings •Pension Loans
•Joint Cooperation with Mandiri AXA General Insurance MAGI
•Joint Cooperation with Bank Syariah Mandiri BSM
– for Gold Pawning
•3,720 EDC hand held rolled out
•Early Warning System Development
•25 CQOCAO added this year
74
3 7
5 5
6 6
8 5
2 9
6 6
1 ,1
4 6
5 8
7 3
2 7
8 2
5 7
5 7
6 8
8 4
7 6
1 1
,0 5
4 3
9 8
3 4
1 4
2 5
6 6
6 9
4 1
,3 6
1 ,3
6 9
1 ,6
5 6
1 ,5
3 1
,5 9
2 9
8 1
1 ,7
7 1
1 ,4
7 8
Q 1
1 Q
2 1
Q 3
1 Q
4 1
Q 1
1 1
Q 2
1 1
Q 3
1 1
Q 4
1 1
Q 1
1 2
Q 2
1 2
Q 3
1 2
Q 4
1 2
Q 1
1 3
JF Non JF
Total Booking and the Breakdown for Joint Financing and Non JF
Breakdown of Financing
4 5
5 3
9 8
6 1
,1 1
1 ,3
7 1
,3 6
4 1
,2 4
5 1
,3 5
5 1
,3 5
3 1
,6 9
1 ,4
2 2
,0 7
5 2
,1 5
3 9
3 6
3 5
1 3
7 2
3 5
4 2
2 3
4 2
3 1
2 3
7 3
4 8
6 3
9 6
4 1
3 7
2
61 79
118 99
118 109 84
67 60 72
49 56 56
Q 1
1 Q
2 1
Q 3
1 Q
4 1
Q 1
1 1
Q 2
1 1
Q 3
1 1
Q 4
1 1
Q 1
1 2
Q 2
1 2
Q 3
1 2
Q 4
1 2
Q 1
1 3
Motorcycle Used Car
New Car
Q1 2013 Performance
75 Rp Bn
Q1 2013
Q1 2012
Change
Loans 12,317
8,991 37.00
Net Income after tax 39.17
19.73 98.56
Approval Rate 88.81
85.86 3.44
Disbursement 2,533
1,787 41.78
NIM 3.23
3.17 0.06
ROA 4.51
3.11 1.40
ROE 28.59
18.70 9.89
CER 44.67
48.92 4.25
NPL 1.22
1.11 0.11
Total Assets Rp55.5 tn
Bond Trading Volume Rp12.9 tn
Total Assets Rp16.6 tn
Total Loans Rp645bn
Total Financing Rp2.5tn
Total Financing Rp46.3 tn
Equity FI Underwriting Rp2.4 tn
Annual FYP Rp 694.5 bn
Net Interest Margin 10.57
Net Interest Margin 3.23
Total Deposits Rp48.4 tn
Equity Trading Volume Rp25.9 tn
Fee Contribution Rp298.2 bn
ROA 2.02
ROA 4.51
ROE 24.71
ROE 9.70
ROE 66.20
ROE 9.86
ROE 28.59
• Remain the leader in syariah financing
• Capital injection program over 3 years
• Cross-sell syariah products to Mandiri customers
• Expansion of business to fully utilize current capital
base • Cross-sell capital market
services to broad range of Mandiri customers
• Refocus business toward higher fee income
• Provide end-to-end bank assurance business
• Continue to build cross- sell opportunities in
various segments • Bank assurance products
complete our suite of consumer offerings
• Enhance operating model • Improve risk management
systems and IT • Improve productivity
• Use Ba k Ma di i s network and customer
throughout Indonesia to develop multi-finance
segment, especially in vehicle-ownership
financing.
Investment Banking Syariah Banking
Insurance Niche Banking
Bank Sinar Harapan Bali
Multi-Finance
76
Loss of Rp52 Bn from the sale of Garuda shares
A X
A M
an d
ir i F
in an
ci al
S e
rv ic
e s
P e
rf o
rm an
ce s
N e
t P
ro fi
t A
ft e
r Ta
x i
n B
n
A n
n u
al F
ir st
Y e
a r
P re
m iu
m A
FY P
i n
B n
O f
P o
lic yh
o ld
e rs
89 90
245 235
171 183
237 255
258 234
262 259
298
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
403 599
549 673
820 742
769 946
796 892
712 667
695
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
1 2
.7 Yo
Y
G ro
w th
710,481 810,604
892,582 1,518,536
1,602,778 1,638,543
1,695,242 1,744,124
1,790,508 1,858,702
1,878,121 1,918,703
1,966,698
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
9 .8
Y o
Y G
ro w
th
1 5
.5 Y
o Y
G ro
w th
A s
o f
D e
c 3
1 Rp
T n
2 1
2 2
1 1
A p
p rai
sal V
al u
e 2
8 .9
3 1
.3 7
Risk Profile CAR Min
1 – Low
8 2
– Low to Moderate 9 - 10
3 – Moderate
10 - 11 4
– Moderate to High 5 - High 11 - 14
Bank Mandiri is under the LOW isk p ofile
BUKU Tier 1 Capital
1 Rp 1 Trillion
2 Rp 1 Trillion - Rp 5 Trillion
3 Rp 5 Trillion - Rp 30 Trillion
4 ≥ Rp 30 Trillion
Ba k Ma di i is u de BUKU 4 . Minimum 70 loans and financing to
the productive sector required to be met at the end of June 2016.
Branch Sub Branch
Cash Office Total
Zone 1 21
286 114
421 Zone 2
38 609
109 756
Zone 3 15
110 20
145 Zone 4
29 164
32 225
Zone 5 18
124 11
153 Zone 6
12 54
5 71
Total 133
1347 291
1771
Branch Networking by Zone Bank
Ma diri s Capital Requirement Based on our Risk Profile Bank Mandiri Capital Requirment
At October 31, 2012
79 3
4
30 Days 90 Days
31-60 Days Current
Mfg-Chem Mfg-FB
Trad-Distr Trad-Dom
Trad-Ret Mass Trans
Agri Others
IDR
Export Invest
Program WC
Comm Corp
Small
10 20
30 40
50 60
70 80
90 100
Collect. Int. Aging
Sector Currency
Purpose Segment
Loan Profile:Q1 NPL Downgrades Only Rp795.958bn Bank Only
Excluding Micro Consumer Loans Only
Corporate, Commercial Small Business loans downgraded to NPL in
Q1 totaled Rp795.958 billion. Of these loans:
78.60 were more than 90 days
overdue on interest payments
60.43 came from our Small portfolio
Largest downgrades by sector:
Trading-Retail
Trade-Domestic
Mass Transportation
Trade Distribution
100 were IDR loans
90.86 were Working Capital loans, 8.42 were Investment Loans
80
3 4
5
31-60 Days Current
Mfg-Chem Mfg-Metal
Trad-Distr Trad-Dom
Trad-Ret Mass Trans
Constr Others
USD IDR
Consumer Export
Invest Program
WC
Comm Corp
Small
10 20
30 40
50 60
70 80
90 100
Collect. Int. Aging
Sector Currency
Purpose Segment
61-90 Days
Loan Profile: Q1 Non-Performing Loans Only Rp4,811bn Bank Only
Excluding Micro Consumer Loans Only
82.20 are less than 90 days overdue
and 11.83 remains current on interest payments
51.01 are to Corporate customers
71.11 are Working Capital loans and
19.15 are Investment loans
Primary sectors are:
Chemical Manufacturing
Metal manufacturing
Distribution Trading
Domestic Trading
Retail Trading
75.57 are Rp IDR loans
10.09 are Cat. 3 12.52 are Cat. 4
Corporate, Commercial Small Business NPLs totaled Rp4,811 Billion in
Q1. Of these NPLs in Q1:
81
Comm Corp
Small
30 Days 1 Day
31-60 Days 61-90 Days
Current
Mfg-Chem Mfg-FB
Trad-Distr Trad-Ret
Mass Trans Agri
Bus Serv Constr
Mining
USD IDR
Consumer Export
Program WC
2004 2000-2004
10 20
30 40
50 60
70 80
90 100
Segment Days Aging
Sector Currency
Purpose Origin Year
Loan Profile: Q1 Downgrades to Cat 2 Only Rp1,728 bn Bank Only
Excluding Micro Consumer Loans Only
Rp1,728 Billion in Corporate, Commercial Small Business
loans were downgraded to Category 2 in Q1. Of the Special Mention Loans
downgraded:
73.77 are for Small Business 26.15
are to Commercial customers
23.04 are current 46.02 are less than 30 days overdue in interest
payments
Primary sectors downgraded are:
Retail Trading
Distribution Trading
Food Bev. Manufacturing
93.69 are IDR loans
84.45 are Working Capital loans
82
Comm Corp
Small
30 Days 1 Day
31-60 Days 61- 90 Days
Current
Plantations Mfg-Chem
Mfg-Text Mining-Oil
Gas Trad-Distr
Trad-HR
Export Trad-Ret
Mass Trans Bus Serv
Constr
USD IDR
Invest Synd
WC
2000 2004
2000-2004
10 20
30 40
50 60
70 80
90 100
Segment Days Aging
Sector Currency
Purpose Origin Year
Loan Profile: Q1 Category 2 Loans Only Rp6,845bn Bank Only
Excluding Micro Consumer Loans Only
Rp6,845 billion in Corporate, Commercial Small
Business loans were in Category 2 in Q1. Of these Special Mention loans:
38.16 are to Corporate customers
43.91 are current or 1 day overdue, with
an additional 29.61 less than 30 days overdue
Primary sectors in Category 2 are:
Textile Manufacturing
Retail Trading
Chemical Manufacturing
66.30 are IDR loans
62.43 are Working Capital loans
73.03 were Category 2 in Q4 12
83
1 2
Comm Corp
Small
Plantations Mfg-Text
Trad-Ret Other
IDR
Invest Program
WC
2004 2000-2004
10 20
30 40
50 60
70 80
90 100
Collect. Segment
Sector Currency
Purpose Origin Year
Loan Profile: Q1 Upgrades to PL Rp62,533 bn Bank Only
Excluding Micro Consumer Loans Only
Corporate, Commercial Small Business loans upgraded to PL in Q1
totaled Rp62,533billion. Of these loans:
46.45 were to Commercial borrowers and
39.27 were corporate borrowers
14.29 originated later than 2004
Largest upgrades by sector:
Chemical Manufacturing
Plantation
Retail Trading
100.0 were IDR loans
73.90 were Investment and 25.92 were Working Capital loans
84
1 2
Comm Corp
Small
Plantations Mfg-Chem
Mfg-FB
Min-Oil Gas
Trad-Distr Trad-Ret
Comm Mass Trans
Electricity
Bus Serv Trans
Utilities Others
USD IDR
Consumer Employee
Invest Program
Synd WC
2000 2004
2000-2004
10 20
30 40
50 60
70 80
90 100
Collect. Segment
Sector Currency
Purpose Origin Year
Loan Profile: Q1 Performing Loans Only Rp265,842bn Bank Only
Excluding Micro Consumer Loans Only
Rp265,842bn in Corporate, Commercial Small Business loans were
performing in Q1. Of these performing loans:
47.94 are to Corporate customers
38.04 are to Commercial customers
92.02 originated since 2005
Primary sectors are:
Plantations
Business Services
Retail Trading
Food Beverages Manufacturing
82.32 are Rupiah loans
48.95 are Working Capital loans, 40.03 are Investment loans
1 2
3 4
5
30 days 31-60 days
61+ days Current
Agri Bus Serv
Constr Trading
Trans Utilities
Mfg-Chem Mfg-FB
Mfg-PP Mfg-Text
Other Mfg Others
USD IDR
Consumer Export
Invest
Comm Corp
Small
10 20
30 40
50 60
70 80
90 100
Collect. int Aging
Sector Currency
Purpose Segment
85
Loan Profile: Q1 Restructured Loans Only Rp11,70bn Bank Only
Of the remaining Rp11,70 billion in restructured Corporate, Commercial
Small Business loans in Q1 :
Excluding Micro Consumer Loans Only
89.2 are performing
75.3 of Restructured Loans are current in
interest payments
Primary sectors are:
Manufacturing •
Chemicals •
Textiles •
Pulp Paper
Trading
51.5 are Rupiah loans
59.4 are Investment loans
80.9 are to Corporate customers
1.1 deteriorated in collectability
0.5 showed improved collectability
86
98.1 are performing loans, with 2.0 in Category 2
97.2 of Category 2 loans are current in
interest payments
Primary sectors in Corporate are:
Plantations
Food Beverage Mfg
Business Services
Oil Gas Mining
74.7 are Rupiah loans
48.5 are Investment loans; 37.0 are Working Capital loans
Loan Profile: Q1 Corporate Loans Only Rp129,894bn Bank Only
Rp129,894billion in loans were in the Corporate portfolio in Q1. Of the
Corporate Loans in Q1:
1 23
5
61+ Days 30 Days
Current 31-60 Days
Bus Serv Constr
Trans Utilities
Plantations Mining-Oil
Gas Trad-Distr
Trad-Exp Other Trading
Other Mfg Others
Mfg-Chem
USD IDR
Mfg-FB
Export Invest
Synd WC
2000 2004
2000-2004
10 20
30 40
50 60
70 80
90 100
Collect. Cat. 2 Int. Aging Sector Currency
Purpose Origin Year
87
1 2
5
31-60 Days 61+ Days
Current
Constr Mining
Trans Bus Serv
Plantations Mfg-Chem
Mfg-FB Mfg-Metal
Mfg-RawM Mfg-Text
Other Mfg
USD IDR
Other Trading
Consumer Export
Invest WC
2000 2004
2000-2004
10 20
30 40
50 60
70 80
90 100
Collect. Cat. 2 Int. Aging Sector Currency
Purpose Origin Year
98.9 are performing loans, with 2.1 in
Category 2
98.1 of Category 2 loans are current in interest payments
Primary sectors in Commercial are:
Business Service
Distribution Trading
Chemical Manufacturing
Plantations
85.1 are Rupiah loans
54.4 are Working Capital loans, 36.7
are Investment loans
Loan Profile: Q1 Commercial Loans Only Rp102,271bn Bank Only
Rp102,271 billion in loans were in the Commercial portfolio in Q1. Of the
Commercial Loans in Q1:
88
1 2
3 5
30 Days 61+ Days
Current
Bus Serv Constr
Mfg Plantations
Trad-Distr Trad-Ret
Other Trading Others
IDR
Consumer Export
Invest Program
WC
2000 2004
2000-2004
10 20
30 40
50 60
70 80
90 100
Collect. Cat. 2 int. Aging Sector Currency
Purpose Origin Year
96.8 are performing loans, with 5.4 in
Category 2
92.3 of Category 2 loans are current in interest payments
Primary sectors in Small Business are:
Retail Trading
Distribution
Plantations
99.9 are Rupiah loans
77.4 are Working Capital loans
Loan Profile: Q1 Small Business Loans Only Rp38,492bn Bank Only
Rp38,492 billion in loans were in the Small Business portfolio in Q1 of the
Small Business Loans in Q1:
89
1 2
5
30 Days 61+ Days
Current
Bus Serv Constr
Trans Utilities
Plantations Mfg-Chem
Mfg-FB Other Mfg
Other Trading Other
Comm Corp
Small
Consumer Invest
Synd WC
2000 2004
2000-2004 Trad-Ret
Trad-Distr
10 20
30 40
50 60
70 80
90 100
Collect. Cat. 2 Int. Aging Sector Segment
Purpose Origin Year
96.5 are performing loans, with 2.1 in
Category 2
48.9 of Category 2 loans are current in interest payments
Primary sectors in Rupiah loans are:
Plantations
Other Manufacturing
Business Services
Food Beverage Mfg
43.6 are Corporate loans
54.2 are Working Capital loans, 37.6
Investment loans
Loan Profile: Q1 Rupiah Loans Only Rp222,487bn Bank Only
Rp222,487 billion in loans were Rupiah denominated in Q1 Of the Rupiah
Loans in Q1:
Excluding Micro Consumer Loans Only
90
1 2
5
30 days 61+ days
Current
Agri Bus Serv
Trading Trans
Utilities Mfg-Chem
Mfg-Metal Mfg-Text
Mfg-Oth
Comm Corp
Small
Employee Export
Invest Synd
WC
2000 2004
2000-2004
Mining-Coal Mining-Oil
Gas Other
10 20
30 40
50 60
70 80
90 100
Collect. Cat. 2 Int. Aging Sector Segment
Purpose Origin Year
97.6 are performing loans
96.2 of Category 2 loans are current in
interest payments
Primary sectors in FX loans are:
Oil Gas Mining
Trading
Coal Mining
Chemical Manufacturing
68.1 are Corporate loans
49.2 are Investment loans ; 27.0 are Working Capital loans
Loan Profile: Q1 FX Loans Only Rp48,171bn Bank Only
Rp48,171 billion in loans were FX denominated in Q1. Of the FX Loans in
Q1:
Excluding Micro Consumer Loans Only
Lo an
g ro
w th
, q
u al
it y
p ro
vi si
o n
in g
r e
lat iv
e t
o p
e e
rs
B an
k O
n ly
, A
s o
f D
e c
2 1
2
409 313
235 180
123 113
105 85
83 29
BCA Mandiri
BRI Danamon
BNI CIMB Niaga
Permata Panin
BII BTN
Rati o
of Prov
is ions
to NPL
339,974 348,232
256,714 193,017
133,708 91,533
91,766 86,955
75,411 74,319
Mandiri BRI
BCA BNI
CIMB Niaga Danamon
Panin Permata
BTN BII
T otal
Loans Rp
bn
32.0 26.9
29.6 27.1
