89
Jan 1 2006
IPO U from:
+12.70 +149.72
JCI +4.88
+154.82 BMRI
Investors Shares
D O MESTIC 1. Government
1 14,000,000,000
68.9 2. Retail
9,697 689,959,500
3.4 3. Employees
8,776 74,265,402
0.4 4. Pension Funds
98 83,902,500
0.4 5. AssuranceBanks
31 90,588,000
0.4 6. Institutional
181 437,231,684
2.2 7. Mutual Funds
65 131,859,500
0.6 Total
18,849 15,507,806,586
76.3 IN TERN ATIO N AL
1. Retail 59
10,553,000 0.1
2. Institutional 322
4,793,217,816 23.6
Total 381
4,803,770,816 23.7
TO TAL 19,230
20,311,577,402 100.0
D escription Shareholders as of 30 June 2006
200 400
600 800
1,000 1,200
1,400 1,600
1,800 2,000
2,200 2,400
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2 2
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1 3
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1 7
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BMRI JCI
1
Results Overview Page
H 1 2006 Summary Financials 2 - 3
Q uarterly Asset Mix Interest Source 4
Q uarterly Loan Growth LD R 5
Consumer Loan Portfolio D etails 6
Recap Bond Portfolio Summary Movement 7
Q uarterly Funding Mix 8
Q uarterly Savings D eposits Funding Rates 9
Q uarterly N et Interest Margins and Spread 10 - 11
Q uarterly N on-Interest O perating Income 12
Q uarterly O verhead Expenses D etail 13
Q uarterly N PL Cat. 2 Loan Movement 14 - 15
Q uarterly Asset Q uality 16
Provisioning Collateral 17
Q uarterly Analysis of N PL D owngrades 18
Core Earnings Analysis Profitability 19
Q uarterly Capital Structure 20
Additional Factors 21
Corporate Actions 22
Operating Performance H ighlights
Recent O perating Performance 23 - 27
N PL D evelopments 28 - 31
Financial Sector Policy Package 32
Results Overview Page
H 1 2006 Summary Financials 2 - 3
Q uarterly Asset Mix Interest Source 4
Q uarterly Loan Growth LD R 5
Consumer Loan Portfolio D etails 6
Recap Bond Portfolio Summary Movement 7
Q uarterly Funding Mix 8
Q uarterly Savings D eposits Funding Rates 9
Q uarterly N et Interest Margins and Spread 10 - 11
Q uarterly N on-Interest O perating Income 12
Q uarterly O verhead Expenses D etail 13
Q uarterly N PL Cat. 2 Loan Movement 14 - 15
Q uarterly Asset Q uality 16
Provisioning Collateral 17
Q uarterly Analysis of N PL D owngrades 18
Core Earnings Analysis Profitability 19
Q uarterly Capital Structure 20
Additional Factors 21
Corporate Actions 22
Operating Performance H ighlights
Recent O perating Performance 23 - 27
N PL D evelopments 28 - 31
Financial Sector Policy Package 32
Financial Summary Page
Summary Balance Sheets PL 33 -35
Recap Bond Portfolio D etail 36
Bank Mandiri Credit Ratings 37
Reconciliation to IFRS FY 2005 38
Bank M andiri Strategic Roadmap 39 – 42
Loan M ovement Portfolio D etail
BI Regulation PBI no. 72PBI2005 43
Interest, Provisioning Collateral 44
D etailed N PL Analysis W rite-O ffs 45 - 49
Performing Loan Analysis 50 - 53
Restructured IBRA Loan Analysis 54 - 56
Loan Portfolio D etail Analysis 57 - 61
Additional Information
Consumer Banking D etails 62 - 64
Summary of Principal Subsidiaries 65
Bank Syariah Mandiri D etails 66 - 67
Mandiri Sekuritas D etails 68
Bank M andiri at a Glance
D irectors, O rganization, Staffing N etwork 69 - 71
Q 1 2006 Peer Comparisons 72 - 75
Q2 2 0 0 6 Published Financial Statements 76 - 86
Financial Summary Page
Summary Balance Sheets PL 33 -35
Recap Bond Portfolio D etail 36
Bank Mandiri Credit Ratings 37
Reconciliation to IFRS FY 2005 38
Bank M andiri Strategic Roadmap 39 – 42
Loan M ovement Portfolio D etail
BI Regulation PBI no. 72PBI2005 43
Interest, Provisioning Collateral 44
D etailed N PL Analysis W rite-O ffs 45 - 49
Performing Loan Analysis 50 - 53
Restructured IBRA Loan Analysis 54 - 56
Loan Portfolio D etail Analysis 57 - 61
Additional Information
Consumer Banking D etails 62 - 64
Summary of Principal Subsidiaries 65
Bank Syariah Mandiri D etails 66 - 67
Mandiri Sekuritas D etails 68
Bank M andiri at a Glance
D irectors, O rganization, Staffing N etwork 69 - 71
Q 1 2006 Peer Comparisons 72 - 75
Q2 2 0 0 6 Published Financial Statements 76 - 86
2 25.1
23.7 23.7
T otal CAR
2
1,132 31
23.2 17.8
