SEGMENT INFORMATION continued Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
56. SEGMENT INFORMATION continued
Information on geographical segment for the year ended December 31, 2015: Cayman Indonesia Asia West Europe Islands Consolidated Consolidated statement of profit or loss and other comprehensive income Interest and sharia income 70,785,127 498,088 48,064 238,848 71,570,127 Interest and sharia expense 26,137,564 59,491 7,602 2,367 26,207,024 Net interest and sharia income 44,647,563 438,597 40,462 236,481 45,363,103 Net premium income 3,137,070 - - - 3,137,070 Net interest and sharia and premium income 47,784,633 438,597 40,462 236,481 48,500,173 Other operating income: Other fees and commissions 9,890,713 108,816 - 15,281 10,014,810 Others 8,324,401 27,651 9,464 2,352 8,363,868 Total 18,215,114 136,467 9,464 17,633 18,378,678 Allowance forreversal of impairment losses on financial assets and others 12,017,145 82,013 2,194 54,435 12,042,529 Unrealised gainslosses from fair value increasedecrease marketable securities, government bonds, and policyholders’ investment 18,621 315 - - 18,306 Gain on sale of marketable securities and government bonds 272,315 3,229 - 45 275,499 Other operating expenses: Salaries and employee benefit 12,207,391 138,417 21,917 8,930 12,376,655 General, administrative expenses and others 16,220,389 108,800 21,055 27,644 16,377,888 Total 28,427,780 247,217 42,972 36,574 28,754,543 Non operating incomeexpense - net 39,456 3,215 - 12,213 30,458 Tax expense 5,184,006 31,373 1,653 - 5,217,032 Net income 20,663,966 221,220 7,495 259,717 21,152,398 Net income attributable to: Noncontrolling interest - - - - 817,430 Parent Entity - - - - 20,334,968 Consolidated statement of financial position Loans 565,407,232 13,895,797 61,582 7,310,826 586,675,437 Total asset 876,142,485 21,856,619 2,543,040 9,521,265 910,063,409 Demand depositwadiah demand deposits 169,257,095 2,871,186 26,207 - 172,154,488 Saving depositwadiah saving deposits 247,459,462 1,492,177 - - 248,951,639 Time deposits 199,410,001 1,816,203 - - 201,226,204 Total deposit from customers 616,126,558 6,179,566 26,207 - 622,332,331 Total liabilities 702,900,723 21,854,051 1,896,441 9,547,490 736,198,705 PT BANK MANDIRI PERSERO Tbk. AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS As of December 31, 2016 and for the year then ended Expressed in millions of Rupiah, unless otherwise stated 21357. CAPITAL ADEQUACY RATIO
Capital risk management Bank Mandiri’s capital policy is to prudently diversify the source of its capital to anticipate the long-term strategic plan and to allocate capital efficiently to business segment that has a potential to provide an optimum risk of return, includes investment in subsidiaries in order to fulfil the stakeholders, including investor’s and regulator’s, expectations. Bank Mandiri ensures it has sufficient capital to meet credit risk, market risk and operational risk, both in normal and stress conditions as well as becoming the basis for the Bank in implementing VBM Value Based Management through the measurement RORAC Return on Risk Adjusted Capital and RORWA Return on Risk Weight Assets. With VBM, the Bank can identify business units, segments, products, regions that provide value to the Bank. Thus the bank can focus on developing business that provides the most value to the Bank. The Bank refers to Bank Indonesia regulation in calculating the capital adequacy for credit risk, market risk and operational risk. For credit risk, the Bank uses Standardised Approach. Currently the Bank is developing the calculation methodology of capital adequacy with advanced approach, both regulatory IRBA and Economic Capital approach. Economic capital approach is developed for credit risk and operational risk. For the market risk, The Bankuses Standardised Model and The Bank has also used Value at Risk for its internal model. For operational risk, the Bank refers to Basel II Basic Indicator Approach and has simulated the Standardised Approach. In the implemention of the FSA’s Circular Letter No. 42SEOJK. 032016 dated September 28, 2016 regarding the calculation of credit risk weighted assets using the standard approach, the results of the calculation of RWA of the Bank showed credit risk RWA for the position of December 31, 2016 amounted to Rp549,646,704. The position of market risk RWA and RWA with the standardized approach to operational risk Basic Indicator Approach approach shows the number of each of Rp1,800,778 and Rp91,932,008. The Capital Adequacy Ratio CAR per December 31, 2016 calculated in accordance with FSA Regulation No. 34 POJK.032016 dated September 22, 2016 on Amendments to the FSA Regulation No. 11POJK.032016 concerning the Minimum Capital Requirement for Commercial Banks, while the CAR per December 31, 2015 calculated in accordance with PBI No. 1512PBI2013 dated December 12, 2013 concerning Minimum Capital Requirement for Commercial Banks. The CAR Bank Mandiri only as of December 31, 2016 and 2015 are as follows: December 31, December 31, 2016 2015 Capital: Core capital 130,356,495 93,252,808 Supplementary capital 7,075,719 14,135,338 Total Capital for credit risk, operational risk and market risk charge 137,432,214 107,388,146 Risk-Weighted Assets for credit 549,646,704 497,912,789 Risk-Weighted Assets for operasional 91,932,008 78,627,774 Risk-Weighted Assets for market risk 1,800,778 805,426 Total Risk-Weighted Assets for credit, operational and market risk charge 643,379,490 577,345,989Parts
» Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» Iswahyudi Arifin Firdaus Rp1,038.71 trillion
» Rp910.06 trillion Wholesale Retail Integrated the Group
» The Organization and Human Resources “HR” Policy Procedure
» System Data Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» MethodologyModel Analytics Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» Credit Risk Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» Qualitative Disclosure Market Risk
» Quantitative Disclosure Market Risk
» Qualitative Disclosure Liquidity Risk
» Quantitative Disclosure Liquidity Risk
» Risk Management Committee Working Unit Risk Owner ORM Coordinator Internal Audit
» Risk Awareness Program MRO Forum Risk Profile Report Legal Risk
» Reputation Risk Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» Strategic Risk Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» Compliance Risk Identification Assessment
» Relations with Management or Key Employee of Bank Mandiri
» Bank Mandiris Branch and e-channel Services Improvement Alliance DevelopmentSynergy
» Problem Management Development Infrastructure Security
» GMS Brief Minutes Ads GMS Minutes Article 33
» AGMS March 6, 2015 Agenda Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» EGMS December 18, 2015 Agenda Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» Capacity to Represent Capacity to Make Decision
» Human Resources Policy and Strategy Operational Activities Human Resources Policy and Strategy
» Human Resources Policy and Strategy Operational Activities
» Human Resources Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» BOD and SEVP: included PPC Category A and B No. Group Head PPC Kategori B No.
» Organization and Human Resources Policies Procedures System Data
» MethodologyModels Analytics Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» Integrity Pact Socialization Gratification Control Reporting Gratification
» Conflict of Interest Confidentiality
» Abuse of Position Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» Conduct Integrity and Accuracy of Data Bank Banking System Integrity Individual Behavior
» Aspect 2: Function and Role of Board of Commissioners
» Protection of Possession Bank Employee Welfare
» Remuneration Employee Turnover Level
» Social Security Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» Mandiri Sahabatku Mandiri Peduli Pendidikan
» Mandiri Peduli Kesehatan Mandiri Peduli Sarana Umum dan Ibadah Mandiri Peduli Bencana
» GENERAL INFORMATION a. Establishment
» GENERAL INFORMATION continued b. Merger continued
» GENERAL INFORMATION continued c. Recapitalisation continued
» GENERAL INFORMATION continued g. Subsidiaries
» GENERAL INFORMATION continued g. Subsidiaries continued
» GENERAL INFORMATION continued h. Structure and Management continued
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Financial liabilities continued Derecognition
» Reclassification of financial assets
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued c. Financial instruments continued
» Classes of financial instruments continued
» Allowance for impairment losses of financial assets
» Allowance for impairment losses of financial assets continued
» Investment in sukuk continued
» Principles of consolidation Determination of fair value continued
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued d. Principles of consolidation continued
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued l.
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued q. Net investment in lease financing
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued s. Investments in shares
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued v. Other assets
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued x. Deposits from customers continued
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued z. Insurance contract continued
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued ad. Income tax continued
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued ae. Temporary syirkah funds continued
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued ai. Employee benefits continued
» USE OF CRITICAL ACCOUNTING ESTIMATES AND JUDGEMENTS
» CURRENT ACCOUNTS WITH BANK INDONESIA December 31, December 31,
» CURRENT ACCOUNTS WITH BANK INDONESIA continued December 31, December 31,
» CURRENT ACCOUNTS WITH OTHER BANKS
» CURRENT ACCOUNTS WITH OTHER BANKS continued
» PLACEMENTS WITH BANK INDONESIA AND OTHER BANKS
» PLACEMENTS WITH BANK INDONESIA AND OTHER BANKS continued
» PLACEMENTS WITH BANK INDONESIA AND OTHER BANKS continued MARKETABLE SECURITIES
» MARKETABLE SECURITIES continued MARKETABLE SECURITIES continued
» MARKETABLE SECURITIES continued Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» MARKETABLE SECURITIES continued GOVERNMENT BONDS GOVERNMENT BONDS continued
» GOVERNMENT BONDS continued Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» OTHER RECEIVABLES - TRADE TRANSACTIONS
» OTHER RECEIVABLES - TRADE TRANSACTIONS continued
» SECURITIES PURCHASED UNDER RESALE AGREEMENTS
» SECURITIES PURCHASED UNDER RESALE AGREEMENTS continued
» DERIVATIVE RECEIVABLES AND PAYABLES
» DERIVATIVE RECEIVABLES AND PAYABLES continued
» LOANS AND SHARIA RECEIVABLESFINANCING continued
» LOANS AND SHARIA RECEIVABLESFINANCINGcontinued
» LOANS AND SHARIA RECEIVABLESFINANCING continued LOANS AND SHARIA RECEIVABLESFINANCING continued
» CONSUMER FINANCING RECEIVABLES continued
» NET INVESTMENT FINANCE LEASES
» NET INVESTMENT IN FINANCE LEASE continued ACCEPTANCES RECEIVABLE
» ACCEPTANCES RECEIVABLE continued INVESTMENT IN SHARES
» INVESTMENT IN SHARES continued
» FIXED ASSETS Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» FIXED ASSETS continued Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» FIXED ASSETS continued Others
» FIXED ASSETS continued Others continued
» INTANGIBLE ASSETS December 31, December 31, OTHER ASSETS December 31, December 31,
» OTHER ASSETS continued DEPOSITS FROM CUSTOMERS - DEMANDWADIAH DEMAND DEPOSITS
» DEPOSITS FROM CUSTOMERS - SAVINGWADIAH SAVING DEPOSITS continued
» DEPOSITS FROM CUSTOMERS - TIME DEPOSITS continued
» DEPOSITS FROM OTHER BANKS - DEMANDWADIAH DEMAND AND SAVING DEPOSITS
» DEPOSITS FROM OTHER BANKS -DEMANDWADIAH DEMAND AND SAVING DEPOSITS continued
» DEPOSITS FROM OTHER BANKS - INTER-BANK CALL MONEY
» DEPOSITS FROM OTHER BANKS - TIME DEPOSITS
» LIABILITY TO UNIT-LINK HOLDERS
» LIABILITY TO UNIT-LINK HOLDERS continued
» LIABILITY TO UNIT-LINK HOLDERScontinued
» SECURITIES SOLD UNDER REPURCHASE AGREEMENTS
» ACCEPTANCES PAYABLE Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» MARKETABLE SECURITIES ISSUED Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» MARKETABLE SECURITIES ISSUED continued Bonds continued
» MARKETABLE SECURITIES ISSUED continued Subordinated notes sharia mudharabah
» MARKETABLE SECURITIES ISSUED continued Subordinated notes sharia mudharabah continued
» ESTIMATED LOSSES ON COMMITMENTS AND CONTINGENCIES
» ESTIMATED LOSSES ON COMMITMENTS AND CONTINGENCIES continued
» TAXATION b. Taxes payable continued
» TAXATION continued d. Tax expense - current
» TAXATION continued d. Tax expense - current continued
» TAXATION continued e. Deferred tax assets - net continued
» TAXATION continued Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» EMPLOYEE BENEFIT LIABILITIES December 31, December 31,
» OTHER LIABILITIES continued Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» FUND BORROWINGS continued December 31, December 31,
» FUND BORROWINGS continued FUND BORROWINGS continued
» FUND BORROWINGS continued Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» SUBORDINATED LOANS Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» SUBORDINATED LOANS continued Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» TEMPORARY SYIRKAH FUNDS Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» TEMPORARY SYIRKAH FUNDS continued
» NONCONTROLLING INTERESTS IN NET ASSETS OF CONSOLIDATED SUBSIDIARIES
» SHARE CAPITAL continued a. Authorised, Issued and Fully Paid Capital continued
» SHARE CAPITAL continued a. Authorised, Issued and Fully Paid-in Capital continued
» SHARE CAPITAL continued b. Additional Paid-In CapitalShare Premium continued
» SHARE CAPITAL continued c. Distribution of net income continued
» INTEREST EXPENSE AND SHARIA EXPENSE OTHER OPERATING INCOME - OTHERS Year ended December 31,
» ALLOWANCE AND REVERSAL FOR IMPAIRMENT LOSSES Year ended December 31,
» UNREALISED GAINSLOSSES Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» GAIN ON SALE OF MARKETABLE SECURITIES AND GOVERNMENT BONDS Year ended December 31,
» SALARIES AND EMPLOYEE BENEFITS Year ended December 31,
» SALARIES AND EMPLOYEE BENEFITS continued
» GENERAL AND ADMINISTRATIVE EXPENSES Year ended December 31, EMPLOYEE BENEFITS
» EMPLOYEE BENEFITScontinued Pension Plan
» EMPLOYEE BENEFITS continued Pension Plan continued
» EMPLOYEE BENEFITS continued Pension Plan
» EMPLOYEE BENEFITScontinued Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» EMPLOYEE BENEFITS continued EMPLOYEE BENEFITS continued
» EMPLOYEE BENEFITS continued Labor Law No. 132003 continued
» NON-OPERATING EXPENSEINCOME - NET Year ended December 31,
» COMMITMENTS AND CONTINGENCIES continued
» FOREIGN CURRENCY TRANSACTIONS Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» RELATED PARTY TRANSACTIONS Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» RELATED PARTY TRANSACTIONS continued
» RELATED PARTY TRANSACTIONS continued RELATED PARTY TRANSACTIONS continued
» SEGMENT INFORMATION Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» SEGMENT INFORMATION continued Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» CAPITAL ADEQUACY RATIO Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» CAPITAL ADEQUACY RATIO continued
» CUSTODIAL SERVICES AND TRUST OPERATIONS
» CUSTODIAL SERVICES AND TRUST OPERATIONS continued
» CHANNELING LOANS Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» RISK MANAGEMENT Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» RISK MANAGEMENT continued Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» RISK MANAGEMENT continued RISK MANAGEMENT continued
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