70
Government Bond Portfolio by Type and Maturity Rp 98,933 Bn
4 Q 16 Government Bond GainsLosses Rp Bn
Mark to Market impacts Profit Mark to Market impacts Equity
Nominal value
30.95 9.36
2.43 49.39
6.81
10 20
30 40
50 60
70 80
90
Trading AFS
HTM
Fixed Rate Variable Rate
Bonds by Rate Type Portfolio as of December Rp 98,933 Bn
Maturity Rp Bn
Trading Portfolio Available for Sale
Held to Maturity
Nominal MTM
Nominal MTM
Fixed Rate Bonds
1 year 208
209 7,719
7,796 151
1 - 5 year 354
370 21,783
22,751 5,058
5 - 10 year 990
1,013 13,847
14,127 1,285
10 year 839
837 4,672
4,716 320
Sub Total 2,391
2,429 48,021
49,390 6,814
Variable Rate Bonds
1 year -
- 65
65 9,356
1 - 5 year -
- 31,211
30,880 -
5 - 10 year -
- -
- -
10 year -
- -
- -
Sub Total -
- 31,276
30,945 9,356
Total 2,391
2,429 79,297
80,335 16,170
4 Q 15
Q Q
Q Q
Realized GainsLosses
on Bonds
5.75 136.03
136.96 211.82
171.88
Unrealized GainsLosses
on Bonds
113.08 -37.87
89.42 13.90
-53.15
Total
118.83 98.16
226.38 225.72
118.73
71
Stated in Rp Millions
Series Interest
Rate Marked To
Market
- -
- -
- -
1 VR0021 25-Nov-15
- -
- -
2 VR0022 25-Mar-16
- -
- 3 VR0023
25-Oct-16 4 VR0024
25-Feb-17 5.77
- 8,210,550
99.8600 -
- 8,210,550
5 VR0025 25-Sep-17
5.81 65,402
1,145,148 99.2620
- 64,919
1,145,148 6 VR0026
25-Jan-18 5.70
1,379,267 -
99.3110 -
1,369,764 -
7 VR0027 25-Jul-18
5.70 1,807,267
- 99.1840
- 1,792,520
- 8 VR0028
25-Aug-18 5.77
3,571,695 -
99.0730 -
3,538,585 -
9 VR0029 25-Aug-19
5.77 3,456,688
- 98.9150
- 3,419,183
- 10 VR0030
25-Dec-19 5.81
6,462,765 -
98.7960 -
6,384,953 -
11 VR0031 25-Jul-20
5.70 15,133,108
- 98.9110
- 14,968,308
- -
31,876,192 9,355,698
- 31,538,233
9,355,698 -
31,876,192 9,355,698
- 31,538,233
9,355,698 0.00
77.31 22.69
0.00 77.12
22.88 41,231,890
40,893,931 Total Fair Value
Grand Total Total Nominal Value
Sub Total No.
Maturity Date
Nominal Fair Value
Total Trading Port.
Total Available For Sale Port.
Total Held To Maturity Portfolio
Total Trading
Port. Total Available
For Sale Port. Total
Investment Port.
Fixed Rate Sub Total
Variable Rate
72
Moody s Mar h Fitch Rating August 2016
Outlook STABLE
Issuer Default Rating BBB-
Long Term Rating Baa3
National LT Rating AAAidn
Foreign LT Bank Deposits Baa3
National ST Rating F1+idn
Local LT Bank Deposits Baa3
Viability Rating bb+
Senior Unsecured Debt WR
Support Rating Floor BBB-
Bank Financial Strength D+
Foreign Currency ST Deposits P-3
Local Currency ST Deposits P-3
Pefindo June 2016 “ta dard Poor s December 2015
Outlook STABLE
Outlook STABLE
LT General Obligation idAAA
LT Foreign Issuer Credit BB+
Subordinated Debt idAA+
LT Local Issuer Credit BB+
ST Foreign Issuer Credit B
ST Local Issuer Credit B
73
Dividend Payment
Net Profit for the financial year of 2015 of Rp20,334,967,510,904.70 was distributed as follows:
• 30 or Rp6,100,490,253,271.41 for the annual dividend • Total Dividend Payment of Rp261.44958 per share
Schedule : a. Cum Date:
Regular and Negotiated Market: March 29, 2016
Cash Market: April 1, 2016
b. Ex Date: Regular and Negotiated Market:
March 30, 2016 Cash Market:
April 4, 2016 c. Recording Date:
April 1, 2016 d. Payment Date:
April 22, 2016 Net Profit for the financial year of 2014 of Rp19,871,873,276,792.60
was distributed as follows: • 25 or Rp4,967,968,319,198.15 for the annual dividend
• Total Dividend Payment of Rp212.91292 per share
74
536.03
408.57 241.18
53.53 43.66
2.15 11.41
592.67
2015 Disburs. Install. Payment Pay-off
FX Impact
Write- Offs
2016
Loan Movement – FY 2016 Bank-Only
Rp Tn Loan Disbursement by Segment
– FY 2016 Bank-Only Rp Tn
272.20
53.82 23.82
33.19 25.53
408.57
Corporate Commercial Small
Micro Consumer
Total
75
513 ,864
6,192 3,002
1,023 109
36,140 2,308
54 8,
20 8
Beg. Bal. DG to 2 UG from 2
DG to NPL
UG from NPL
Net Disb. FX Impact End Bal.
Category 1 Loan Movements Rp Bn – Bank Only
Category 2 Loan Movements Rp Bn – Bank Only
25 ,796
6,192 3,002
7,467 426
1,036 112
21 ,020
Beg. Bal. Cat. 1
DG UG to 1
DG to NPL
NPL UG Net
Collection FX Impact End Bal.
76
501 ,484
11,274 2,084
12,471 50
70,196 1,861
548 ,208
Beg. Bal. DG to 2 UG from 2
DG to NPL
UG from NPL
Net Disb. FX Impact End Bal.
Category 1 Loan Movements Rp Bn – Bank Only
Category 2 Loan Movements Rp Bn – Bank Only
22,266
11,274 2,084
7,816 620
3,158 81
21 ,020
Beg. Bal. Cat. 1
DG UG to 1
DG to NPL
NPL UG Net
Collection FX Impact End Bal.
77
Loan Profile: 4Q Collectability by Segment Bank Only
97.9 86.2
91.6 91.6
91.1 1.1
4.4 4.3
4.9 7.1
4.7 0.4
0.7 0.3
0.7 4.1
3.1 2.2
0.9
Corp Comm
Small Micro
Cons
5 4
3 2
1
226,471
142,421
55,685 46,383
77,248
2,515
7,341
2,627 2,490
6,047 7,819
1,590
6,705
1,870 1,090
772
25,000 50,000
75,000 100,000
125,000 150,000
175,000 200,000
225,000 250,000
Corp Comm
Small Micro
Cons Loan Profile: 4Q Collectability Rp bn by Segment
Bank Only
NPL Loan Det ai
l: Qua
rterl y
by Day
s Past Due
10 20
30 40
50 60
70 Cu
rr e
n t
30 D
ay s
OD
Quar ter
ly DG
t o
NPL In
ter es
t DPD
- B
an k
Only
851 617
454 552
1,284 357
605 503
553 649
379 545
796 353
562 524
729 499
439 1,529
889 2,291
2,640 2,045
3,884 6,554
1,640 7,744
1 ,000
2 ,000
3 ,000
4 ,000
5 ,000
6 ,000
7 ,000
8, 000
9 ,000
Q110 Q210
Q310 Q410
Q111 Q211
Q311 Q411
Q112 Q212
Q312 Q412
Q113 Q213
Q313 Q413
Q114 Q214
Q314 Q414
Q115 Q215
Q315 Q415
Q116 Q216
Q316 Q416
R p
B n
Value
Quar ter
ly NPL
St ock
In ter
es t
DPD -
B an
k Only
3,589 3,668
3,985 3,929
4,301 4,261
4,983 4,805
4,927 4,643
4,644 4,496
4,812 4,863
5,006 4,965
5,294 5,351
5,266 5,598
6,077 7,283
9,273 9,471
11,725 17,124
17,166 20,199
5 ,000
10 ,000
15 ,000
20 ,000
25 ,000
Q110 Q210
Q310 Q410
Q111 Q211
Q311 Q411
Q112 Q212
Q312 Q412
Q113 Q213
Q313 Q413
Q114 Q214
Q314 Q414
Q115 Q215
Q315 Q415
Q116 Q216
Q316 Q416
R p
B n
Value
Ex cl
u d
in g
M ic
ro Co
n su
mer Lo
a n
s
5 10
15 20
25 30
35 40
45 Cu
rr e
n t
30 D
ay s
OD
79
19 ,427
20 ,914
20 ,64
5 16
,560 17
,104 16
,046 14
,131 13
,508 11
,671 12
,437 11
,207 9
,854 10
,372 13
,010 20
,068 24
,526 26
,379 25
,548 31
,00 35
,846 42
,145
2005 A
dd D
e du
ct 2006
A dd
D e
du ct
2007 A
dd D
e du
ct 2008
A dd
D e
du ct
2009 A
dd D
e du
ct 2010
A dd
D e
du ct
2011 A
dd D
e du
ct 2012
A dd
D e
du ct
2013 A
dd D
e du
ct Q
1 14
A dd
D e
du ct
Q 2
14 A
dd D
e du
ct Q
3 14
A dd
D e
du ct
Q 4
14 A
dd D
e du
ct Q
1 15
A dd
D e
du ct
Q 2
15 A
dd D
e du
ct Q
3 15
A dd
D e
du ct
Q 4
15 A
dd D
e du
ct Q
1 16
A dd
D e
du ct
Q 2
16 A
dd D
e du
ct Q
3 16
A dd
D e
du ct
Q 4
16
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 4Q 2016
Maturity extension;
96.5 Maturity
extension wreduced
rates; 1.1 Maturity
extension wother
restrg; 2.3
Other Restructuring includes reduction of interest rates, rescheduling of unpaid interest extension of repayment period for unpaid interest
Restructured Loan Movement 2005 - 2016
Rp billions Q
Q Q
Q Q
Q Q
Loans Restructured
6,902 4,850
2,781 6,352
6,139 7,997
9,671 NPL
Collections 46
128 104
102 150
163 211
80
Reorganize SAM Group
Transfering Problem Loans
Resetting Risk Assessment
Criteria Increase
Monitoring Frequency
Intensify Cash Recovery
Key Areas Remarks
• Restructuring Unit • Recovery Unit
Focus on preventing increasing NPLs. To solve te po a p o le s i usi ess s a d take the
necessary steps for loan restructuring.
• Transfering Problem Loans
Transfering problem loans from business units to SAM group to be handled more effectively. We will
continue to review for more loans to transfer.
• Update Risk Assessment Criteria
Help to reset risk assessment criteria to support business units in improving the loan origination
process.
• Loan Monitoring • Early Warning
System • Incentives for Loan
Repayment • Auction Frequency
• Asset Marketing Unit
• Achieve higher cash recovery than last year • Accelerate loan repayment by writing off interest
and penalty • Identify targeted buyers for specific assets
Preventiative actions to improve asset quality by increasing standardized process and upgrading risk
tools
81
Plantations Business Services
Manufacturing Retail Trading
FoodBeverages Manufacture Chemichals Manufacture
Others Distributions Trading
Trading Construction
Electricity Transportations
Oil Gas Mining Raw Materials Manufacture
Mining
1 Non-consolidated numbers Each sector 3
Excluding Micro Consumer Loans Only
82
Mandiri Credit Card Delinquency Rates
75.60 87.50
61.34 45.90 69.95
81.62 87.89
95.84 105.82
104.78 101.83
100.19 106.07 111.79
137.08 129.94
130.32 143.26
152.42 178.54
288.20 329.13
313.89 295.88
312.32 295.04
292.91 266.97
32.6 37.4
44.5 59.2 66.5
67.7 82.880.5
79.9 84.6
88.4 93.0
110.7 138.1
177.3 212.6
197.8 189.5
180.0 194.6
6.9 13.8
30.9 28.2 38.8
13.1 15.0 17.9
23.9 28.1
29.3 29.5
28.4 29.4
30.2 35.8
35.9 38.2
43.1 59.2
58.2 70.3
69.6 78.7
4 Q
05 4Q
06 4
Q 07
4 Q
08 4
Q 09
1 Q
10 2
Q 10
3 Q
10 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
1Q13 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
2 Q
16 3
Q 16
4 Q
16 NPLs 90+DPD
Write-Offs Recoveries
Quarterly Charge-offs, NPLs Recoveries Rp Bn
10.2 11.7
6.0 4.8
5.2 5.3 5.4 4.7 4.8
5.0 4.84.7
4.8 5.1
4.6 4.9
5.7 6.8
6.8 6.7
6.4 6.5
6.2 6.2
5.7
5.3
3.2 2.3
2.9 2.7
2.8 2.3 2.4 2.22.7
2.52.5 2.3
2.6 2.22.4
2.6 3.8
3.6 3.3
3.4 3.4
5.0 3.8
2.2 2.2 2.1
2.2 2.22.2
2.2 2.2 2.5
2.4 2.8
2.9 2.6
2.4 2.5
2.4 2.0
1.1 1.1 1.0 1.1 1.1 1.1 1.1 1.1 1.2
1.3 1.2 1.2
1.2 1.5
1.6 1.6 1.5
1.4 1.3
1.3
4 Q
05 4
Q 06
4Q 07
4 Q
08 4
Q 09
1 Q
10 2
Q 10
3 Q
10 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 2Q13 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
2 Q
16 3
Q 16
4 Q
16 30 DPD - Rp
90 DPD - Rp 30 DPD - Cards
90 DPD - Cards
St a
ffi n
g and
Di stri
buti on
Ne tw
ork Gr o
wth
22,909 25,236
25,706 26,327
27,305 27,907
28,183 28,153
28,518 30,762
30,830 31,721
32,905 33,982
34,089 34,442
34,475 34,696
34,954 35,010
35,503 36,737
37,173 37,760
38,376 38,940
2009 2010
1Q11 2Q11
3Q11 4Q11
1Q12 2Q12
3Q12 4Q12
1Q13 2Q13
3Q13 4Q13
1Q14 2Q14
3Q14 4Q14
1Q15 2Q15
3Q15 4Q15
1Q16 2Q16
3Q16 4Q16
1,095 1,370
1,381 1,442
1,526 1,537
1,548 1,643
1,733 1,810
1,811 1,835
1,909 2,050
2,061 2,087
2,154 2,312
2,317 2,327
2,380 2,457
2,460 2,472
2,505 2,599
2009 2010
1Q11 2Q11
3Q11 4Q11
1Q12 2Q12
3Q12 4Q12
1Q13 2Q13
3Q13 4Q13
1Q14 2Q14
3Q14 4Q14
1Q15 2Q15
3Q15 4Q15
1Q16 2Q16
3Q16 4Q16
Em p
lo yee
s
Do m
es ti
c B
ran ch
N e
tw or
k A
TM N
e tw
or k
A TM
-Li n
k N
e tw
or k
4,996 6,496
6,505 8,480
8,993 8,996
8,996 10,361
10,466 10,985
10,985 11,454
11,454 11,514
11,514 11,604
13,309 15,344
15,444 17,032
17,341 17,388
17,452 17,461
17,461 17,461
2009 2010
1Q11 2Q11
3Q11 4Q11
1Q12 2Q12
3Q12 4Q12
1Q13 2Q13
3Q13 4Q13
1Q14 2Q14
3Q14 4Q14
1Q15 2Q15
3Q15 4Q15
1Q16 2Q16
3Q16 4Q16
12,666 18,321
18,581 18,939
21,478 22,794
23,602 28,309
31,139 35,300
35,395 36,123
38,432 39,854
40,248 44,239
45,771 47,327
49,107 50,706
53,895 53,957
58,132 58,602
59,425 60,508
2009 2010
1Q11 2Q11
3Q11 4Q11
1Q12 2Q12
3Q12 4Q12
1Q13 2Q13
3Q13 4Q13
1Q14 2Q14
3Q14 4Q14
1Q15 2Q15
3Q15 4Q15
1Q16 2Q16
3Q16 4Q16
84
3 4
5
Current 31-60 Days
61-90 Days 90 Days
Trad-Distr Mining
Oil Gas Trad-Ret
Mfg-FB Mass Trans
Mfg Others
Trading Constr
Mfg-PP
Mfg-Metal
FX RP
Invest Program
WC
Corporate Commercial
Small Business
10 20
30 40
50 60
70 80
90 100
Collect. Int. Aging
Sector Currency
Purpose Segment
Loan Profile: 4Q NPL Downgrades Only Rp 7,743 Bn Bank Only
Corporate, Commercial Small Business loans downgraded to NPL in
4Q totaled Rp 7,743 Bn. Of these loans:
22.0 were more than 90 days overdue on interest payments
83.7 came from our Commercial
Portfolio
Largest downgrades by sector:
Trading Distribution
Oil Gas Mining
Retail Trading
89.7 were IDR loans
72.7 were Working Capital
loans, 24.3 were Investment Loans
Excluding Micro Consumer Loans Only
85
3 4
5
Current 30 Days
31-60 Days 61-90 Days
90 Days
Trad-Distr Mfg-FB
Trad-Ret Mfg-Text
Mass Trans Mining-Oil
Gas Oth
Mfg-PP Mfg-Chem
Mfg-RawM Mfg
Constr Trading
Agri
FX RP
Consumer Invest
Syndication WC
Corporate Commercial
Small Business
10 20
30 40
50 60
70 80
90 100
Collect. Int. Aging
Sector Currency
Purpose Segment
Loan Profile: 4Q Non-Performing Loans Only Rp 20,199 Bn Bank Only
37.7 remain current on interest
payments and an additional 17.9 are less than 90 days overdue
76.2 are to Commercial customers
69.5 are Working Capital loans and
27.5 are Investment loans
Primary sectors are:
Trading Distributions
Food Beverages
Manufacturing
Retail Trading
85.1 are Rp loans
42.8 are Cat. 3 6.9 are Cat. 4 Corporate, Commercial Small Business
NPLs totaled Rp 20,199 Bn in 4Q. Of these NPLs in 4Q:
Excluding Micro Consumer Loans Only
86
Corporate Commercial
Small Business
Current 1 Day
30 Days 31-60 Days
61+ Days
Mfg-Chem Trad-Ret
Plantations Trad-Distr
Mfg-RawM Oth
Mfg-Metal Mass Trans
FX RP
Export Invest
WC
2000-2004 2004
10 20
30 40
50 60
70 80
90 100
Segment Days Aging
Sector Currency
Purpose Origin Year
Loan Profile: 4Q Downgrades to Cat. 2 Only Rp 3,800 Bn Bank Only
Rp 3,800 Bn in Corporate, Commercial Small Business loans were downgraded
to Category 2 in 4Q. Of the Special Mention Loans downgraded:
63.2 are for Commercial 24.3
are to Small Business customers
60.3 are current 15.6 are less
than 30 days overdue in interest payments
Primary sectors downgraded are:
Chemicals Manufacturing
Retail Trading
Plantations
94.1 are RP loans
60.3 are Working Capital loans
Excluding Micro Consumer Loans Only
87
Corporate Commercial
Small Business
Current 1 Day
30 Days 31-60 Days
61- 90 Days
Mfg-Chem Mfg-RawM
Mfg-Metal Trad-Ret
Mfg Oth
Trad-Distr Plantations
Mass Trans Bus Serv
Constr
FX RP
Export Invest
WC
2000-2004 2004
10 20
30 40
50 60
70 80
90 100
Segment Days Aging
Sector Currency
Purpose Origin Year
Loan Profile: 4Q Category 2 Loans Only Rp 12,483 Bn Bank Only
Rp 12,483 Bn in Corporate, Commercial Small Business loans were in
Category 2 in 4Q. Of these Special Mention loans:
58.8 are to Commercial customers
69.7 are current or 1 day
overdue, with an additional 8.7 less than 30 days overdue
Primary sectors in Category 2 are:
Chemicals Manufacturing
Raw Materials Manufacturing
Metal Manufacturing
76.5 are Rp loans
69.6 are Working Capital loans
64.8 were Category 2 in 3
Q 16
Excluding Micro Consumer Loans Only
88
1 2
Commercial Corporate
Small Business
Mfg Textile
Mfg-Chem Trad-Ret
Mfg-FB Mass Trans
Trad-Distr Constr
Others Agri
Bus Serv
RP
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: 4Q Upgrades to PL Rp 377.7 Bn Bank Only
Corporate, Commercial Small Business loans upgraded to PL in 4Q
totaled Rp 377.7 Bn. Of these loans:
58.5 are to Commercial customers
98.8 upgraded loans originated later than 2004
Largest upgrades by sector:
Textile Manufacturing
Chemical Manufacturing
Retail Trading
100.0 are Rp loans
69.2 are Working Capital loans;
30.8 were Investment loans
Excluding Micro Consumer Loans Only
89
1 2
Corporate Commercial
Small Business
Plantations Mfg
Bus Serv
Trad-Ret
Mfg-FB Mfg-Chem
Others Mining
Trad-Distr
Trading Constr
Electricity Trans
FX RP
Consumer Export
Invest Program
Syndication WC
2000-2004 2004
10 20
30 40
50 60
70 80
90 100
Collect. Segment
Sector Currency
Purpose Origin Year
Loan Profile: 4Q Performing Loans Only Rp 437,060 Bn Bank Only
Rp 437,060 Bn in Corporate, Commercial Small Business loans were performing
in 4Q. Of these performing loans:
52.4 are to Corporate customers 34.3 are to Commercial customers
97.3 originated since 2005
Primary sectors are:
Plantations
Manufacturing
Business Services
80.6 are Rupiah loans
50.3 are Working Capital loans;
34.0 are Investment loans
Excluding Micro Consumer Loans Only
1 2
3 4
5
Current 30 Days
31-60 Days 61-90 Days
90 Days
Mfg-Chem Plantations
Trad-Distr Mass Trans
Mfg-RawM Bus Serv
Mfg Trad-Ret
Mfg-Metal Mfg-FB
Mining Oil Gas
Mining Others
Trading
Rp Fx
WC Invest
Commercial Small
Business Corporate
10 20
30 40
50 60
70 80
90 100
Collect. Int Aging
Sector Currency
Purpose Segment
90
Loan Profile: 4Q Restructured Loans Only Rp44,418 Bn Bank Only
Of the remaining Rp 44,418 billion in restructured Corporate, Commercial
Small Business loans in 4Q :
67.6 are Performing
78.0 of Restructured Loans are
current in interest payments
Primary sectors are:
Chemical Manufacturing
Plantations
Distribution Trading
78.2 are Rp loans
45.1 are Investment loans
64.4 are to Commercial customers
Wholesale Loans Only
91
99.0 are performing loans, with
1.1 in Category 2
87.6 Category 2 loans are current
in interest payments
Primary sectors in Corporate are:
Plantations
Business Services
Food Bevarages
Manufacturing
72.7 are Rupiah loans
38.9 are Investment loans; 39.2
are Working Capital loans
Loan Profile: 4Q Corporate Loans Only Rp 231,315 Bn Bank Only
Rp 231,315 billion in loans were in the Corporate portfolio in 4Q. Of the
Corporate Loans in 4Q :
1 2
5
Current 31-60 Days
Plantations Bus Serv
Mfg-FB Electricity
Mfg Trad-Ret
Mfg-Chem Trading
Constr Mining
Oil Gas Oth
Mining Trans
FX RP
Export Invest
Syndication WC
2000-2004 2004
10 20
30 40
50 60
70 80
90 100
Collect. Cat. 2 Int. Aging Sector Currency
Purpose Origin Year
92
1 2
3 4
5
Current 1 Day
61+ Days
Plantations Trad-Distr
Mfg Bus Serv
Mfg-Chem Trading
Oth Mfg-RawM
Mass Trans Mining
Mfg-FB Mfg-Metal
Constr
FX RP
Consumer Export
Invest Syndication
WC
2000-2004 2004
10 20
30 40
50 60
70 80
90 100
Collect. Cat. 2 Int. Aging Sector Currency
Purpose Origin Year
90.7 are performing loans, with
4.4 in Category 2
77.9 of Category 2 loans are
current in interest payments
Primary sectors in Commercial are:
Plantations
Trading Distribution
Manufacturing
85.4 are Rupiah loans
61.5 are Working Capital
loans, 32.9 are Investment loans
Loan Profile: 4Q Commercial Loans Only Rp 165,159 Bn Bank Only
Rp165,1593 Billion in loans were in the Commercial portfolio in 4Q. Of the
Commercial Loans in 4Q:
93
1 2
4 5
Current 30 Days
61+ Days
Trad-Ret Trad-Distr
Household Equip.
Plantations Others
Mfg Bus Serv
Trad-Dom Constr
Soc Serv
FX RP
Consumer Export
Invest Program
WC
2000-2004 2004
10 20
30 40
50 60
70 80
90 100
Collect. Cat. 2 Int. Aging Sector Currency
Purpose Origin Year
95.5 are performing loans, with
4.3 in Category 2
29.9 of Category 2 loans are
current in interest payments
Primary sectors in Small Business
are:
Retail Trading
Distribution Trading
Household Equipment
99.0 are Rupiah loans
68.4 are Working Capital loans
Loan Profile: 4Q Small Business Loans Only Rp 60,784 Bn Bank Only
Rp 60,784 Bn in loans were in the Small Business portfolio in 4Q of the Small
Business Loans in 4Q:
94
1 2
3 5
Current 31-60 Days
61+ Days
Plantations Mfg
Bus Serv Trad-Ret
Mfg-FB Trad-Distr
Oth Constr
Mfg-Chem Electricity
Trading Trans
Corporate Commercial
Small Business
Consumer Export
Invest Syndication
WC
2000 2000-2004
2004
10 20
30 40
50 60
70 80
90 100
Collect. Cat. 2 Int. Aging Sector Segment
Purpose Origin Year
95.3 are performing loans, with
2.6 in Category 2
68.3 of Category 2 loans are
current in interest payments
Primary sectors in Rupiah loans are:
Plantations
Manufacturing
Business Services
45.5 are Corporate loans
56.2 are Working Capital
loans, 32.4 Investment loans
Loan Profile: 4Q Rupiah Loans Only Rp 369,412 Bn Bank Only
Rp 369,412 billion in loans were Rupiah denominated in 4Q Of the Rupiah
Loans in 4Q:
Excluding Micro Consumer Loans Only
95
1 2
5
Current 30 Days
31-60 Days
Mining Oil Gas
Mfg Trading
Oth Mfg-Chem
Plantations
Mining Metal Ore
Mfg-Metal Mass Trans
Mining Soc Serv
Bus Serv Utilities
Corporate Commercial
Small Business
Export Invest
Syndication WC
2000-2004 2004
10 20
30 40
50 60
70 80
90 100
Collect. Cat. 2 Int. Aging Sector Segment
Purpose Origin Year
96.6 are performing loans
74.3 of Category 2 loans are
current in interest payments
Primary sectors in FX loans are:
Oil Gas Mining
Manufacturing
Trading
71.9 are Corporate loans
39.3 are Investment loans; 30.0
are Working Capital loans
Loan Profile:4Q FX Loans Only Rp 87,846 Bn Bank Only
Rp 87,846 Bn in loans were FX denominated in 4Q.
Of the FX Loans in 4Q:
Excluding Micro Consumer Loans Only
Loan growth, Qual ity Prov
is ioni
n g
Rel ati
ve to Peers
Bank Onl y,
As of September
2016
201 169
143 136
102 98
89 88
57 39
BCA BRI
BNI Mandiri
CIMB Niaga Permata
Panin Danamon
Maybank BTN
R a
ti o
of P
rovi si
ons to NP
L
603,476 560,320
386,246 352,312
168,196 153,814
119,293 111,753
105,523 95,321
BRI Mandiri
BCA BNI
CIMB Niaga BTN
Panin Permata
Maybank Danamon
Tot al
Loans Rp
bn
14.3 10.7
