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 16,989
24 .8
9 .1
14 .9
9.1 10
.4 9.5
6 .9
4 .1
4 .3
3 .8
4.0 4.0
- 2
,000 4
,000 6,0
00 8
,000 10
,000 12
,000 14
,00 16
,000 18
,00 20
,000 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
Q213
Sp eci
al M
en ti
on Loa
n Cat
2
NPL Mov
e m
e n
t -
C onsol
ida 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
1.89
70 .0
146 .7
129 .5
190 .4
139.1 128.8
44 .4
127 .1
200 .5
219 .1
192.4 172
.2 155.5
174 .2
185 .1
189.6 193
.4 177
.2 185
.5
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
Q213
Gro ss
N PL
Rat io
Pr o
vN PL
Gr oss
NPL s
1. 9
, coverage at 18
5. 5
- Cat
egory 2 stabl
at 4.
C a
te g
or y
2 Loan
s 28
NPLs Rp tn
Q
Rp tn NPLs
Corporate 2.46
0.17 1.62
Commercial 1.17
0.34 1.12
Small 1.23
0.49 2.89
Micro 0.85
0.54 3.56
Consumer 0.97
0.14 1.84
Total 6.68
1.34 1.77
Non-Performing Loans by Segment
Excluding loans to other banks.
Movement by Customer Segment Rp Bn
6.52 0.15 0.79
0.21 0.38
0.11 6.68
Q1 13 UG to PL DG to NPL Payment Write-Offs
Other Q2 13
Non-Performing Loan Movements Rp tn – Bank Only
29
- 7
- -
46 -
21 300
113
68 282
102 63
156
163
- 100
200 300
400 500
600 700
800 900
UG to PL DG to NPL
WO Corp
Comm Micro
Small Cons
Total Loans originated since 2005 Net
Upgrades Downgrades
Q2 2013 Details
Loan Background
Q Balance
Rp bn Q2
2011 Q3
2011 Q4
2011 Q1
2012 Q2
2012 Q3
2012 Q4
2012 Q1
2013 Q2
2013 DG to
NPL UG to
PL
Corporate
139,326.67 -
0.20 0.29
- 0.03
0.01 0.25
0.00 0.01
0.01 0.00
Commercial
98,750.89 0.05
0.13 0.00
0.25 0.15
0.05 0.27
0.24 0.05
0.05 0.00
Small
39,027.79 0.91
0.91 0.29
0.77 0.70
0.84 0.49
1.28 0.59
0.75 0.16
Micro
23,752.00 1.69
1.93 1.03
1.51 1.30
1.37 1.00
1.25 1.10
1.19 0.09
Consumer
51,874.19 0.28
0.33 0.08
0.32 0.24
0.25 0.07
0.28 0.18
0.29 0.12
Total 352,731.54
0.22 0.34
0.21 0.28
0.23 0.22
0.11 0.34
0.18 0.22
0.04
downgrades and
upgrades are quarterly figures
30
Total Assets Rp58.5 tn
Bond Trading Volume Rp23.9 tn
Total Assets Rp16.0 tn
Total Loans Rp654bn
Total Financing Rp5.4tn
Total Financing Rp48.4 tn
Equity FI Underwriting Rp5.9 tn
Annual FYP Rp 1,545.3 bn
Net Interest Margin 10.80
Net Interest Margin 2.96
Total Deposits Rp51.3 tn
Equity Trading Volume Rp61.1 tn
Fee Contribution Rp269.9 bn
ROA 1.66
ROA 4.63
ROE 17.54
ROE 13.00
ROE 67.45
ROE 7.94
ROE 30.27
• 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
31
375 566
852 966
1,1 46
587 302
78 257
576 884
761 1,0
54 1
,110 398
341 425
606 694
1 ,306
1,3 69
1 ,656
1 ,530
1 ,592
981 1
,771 1
,478 1
,728
Q 1
1 Q
2 10
Q 3
1 Q
4 1
Q 1
11 Q
2 11
Q 3
11 Q
4 11
Q 1
1 2
Q 2
12 Q
3 12
Q 4
12 Q
1 13
Q 2
13
JF Non JF
Total Booking and the Breakdown for Joint Financing and Non JF
Breakdown of Financing
405 539
806 1
,101 1,3
70 1
,364 1
,245 1,3
55 1
,353 1
,609 1
,420 2
,075 2,1
05 2,4
16 309
306 351
372 350
422 342
312 373
486 396
401 372
346
61 79
118 99
118 109
84 67
60 72
49 56
56 76
Q 1
10 Q
2 10
Q 3
1 Q
4 1
Q 1
11 Q
2 11
Q 3
11 Q
4 11
Q 1
12 Q
2 12
Q 3
1 2
Q 4
12 Q
1 13
Q 2
1 3
Motorcycle Used Car
New Car
H1 2013 Performance
32
Rp Bn H1
2013 H1
2012 Change
Loans 13,337
9,876 35.04
Net Income after tax 85.42
50.04 70.72
Approval Rate 88.24
89.87 1.81
Disbursement 5,370
3,954 35.81
NIM 2.96
3.22 0.26
ROA 4.63
3.97 0.66
ROE 30.27
23.03 7.24
CER 45.48
47.78 2.30
NPL 1.51
1.59 0.08
AXA Man
di ri
Fi nan
ci al
Servi ces
Performances
N e
t Pr
o fi
t Af
ter Ta
x i
n Bn
An n
u al
Fi rs
t Yea
r Pr
em iu
m AFY
P i
n Bn
Of P
o lic
yho ld
er s
89 90
245 235
171 183
237 255
258 234
262 259
298 270
1Q 10 2Q 10
3Q 10 4Q 10
1Q 11 2Q 11
3Q 11 4Q 11
1Q 12 2Q 12
3Q 12 4Q 12
1Q 13 2Q 13
403 599
549 673
820 742
769 946
796 892
712 667
695 850
1Q 10 2Q 10
3Q 10 4Q 10
1Q 11 2Q 11
3Q 11 4Q 11
1Q 12 2Q 12
3Q 12 4Q 12
1Q 13 2Q 13
4.7 Yo
Y Gr
o 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
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 2Q 13
5.8 Y
o Y
Gr o
w th
15 .4
Yo Y
Gr o
w th
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
7 .3
Q 4
07 Q4
8 Q
4 09
Q1 1
Q 2
10 Q
3 10
Q 4
10 Q
1 11
Q 2
11 Q311
Q 4
11 Q
1 12
Q212 Q
3 12
Q 4
12 Q
1 13
Q 2
13
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 12.4
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
4 .0
1 .31
13 .25
16 .06
17 .65
19 .87
2 1
.44 23
.97 27
.09 3
.01 34
.41 36
.73 37
.44 39
.93 41
.82 4
4 .50
46 .30
4 8
.40
Q 4
07 Q
4 08
Q 4
09 Q
1 10
Q2 10
Q 3
10 Q
4 10
Q1 11
Q 2
11 Q
3 11
Q 4
11 Q
1 12
Q 2
12 Q3
12 Q
4 12
Q1 13
Q 2
13 Financing
34
91.1 89