59 59
Summary PL
Q2 2012 Q1 2012
Q2 2011 Y-o-Y
Q-o-Q Rp Bn
of Av.Assets
Rp Bn of
Av.Assets Rp Bn
of Av.Assets
Interest Income 10,284
7.4 9,938
7.2 9,347
7.9 10.0
3.5 Interest Expense
3,599 2.6
3,936 2.9
3,926 3.3
8.3 8.6
Net Interest Income 6,685
4.8 6,002
4.4 5,421
4.6 23.3
11.4 Net Premium Income
571 0.4
527 0.4
418 0.4
36.6 8.3
Net Interest Income Premium Income 7,256
5.2 6,529
4.8 5,839
5.0 24.3
11.1 Other Non Interest Income
Other Fees and Commissions 1,837
1.3 1,704
1.2 1,571
1.3 16.9
7.8 Foreign Exchange Gains - Net
405 0.3
210 0.2
179 0.2
126.3 92.9
Gains Fr Incr Val of SecSale of Gov Bonds 134
0.1 134
0.1 31
0.0 na
na Others
899 0.6
694 0.5
715 0.6
25.7 29.5
Total Non Interest Income 3,007
2.2 2,742
2.0 2,496
2.1 20.5
9.7 Total Operating Income
10,263 7.3
9,271 6.8
8,335 7.1
23.1 10.7
Provisions, Net 863
0.6 936
0.7 1,299
1.1 33.6
7.8 Personnel Expenses
1,939 1.4
1,865 1.4
1,631 1.4
18.9 4.0
GA Expenses 2,004
1.4 1,614
1.2 1,510
1.3 32.7
24.2 Loss from decr. in value of Sec Gov Bonds
15 0.0
- 0.0
47 0.0
68.1 na
Other Expenses 545
0.4 540
0.4 427
0.4 27.6
0.9 Total Expenses
4,503 3.2
4,019 2.9
3,615 3.1
24.6 12.0
Profit from Operations 4,896
3.5 4,317
3.1 3,420
2.9 43.2
13.4 Non Operating Income
25 0.0
174 0.1
45 0.0
44.4 85.6 Net Income Before Tax
4,921 3.5
4,490 3.3
3,465 2.9
42.0 9.6
Net Income After Tax 3,744
2.7 3,403
2.5 2,543
2.2 47.2
10.0
of Average Assets on an annualized basis
60
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.
61
Maturity Rp bn
Trading Portfolio Available for Sale
Held to Maturity
Nominal MTM
Nominal MTM
Fixed Rate Bonds 1 year
250 244
- -
96 1 - 5 year
242 260
140 142
1,351 5 - 10 year
269 303
1,800 1,798
80 10 year
335 411
3,700 3,839
111 Sub Total
1,096 1,218
5,640 5,779
1,637
Variable Rate Bonds 1 year
- -
- -
- 1 - 5 year
- -
3,973 3,953
20,599 5 - 10 year
- -
49,638 46,106
1,145 10 year
- -
- -
- Sub Total
- -
50,611 50,059
21,745
T o t a l
1,096 1,218
56,251 55,838
23,382
Gov’t Bond Portfolio by Type and Maturity Rp80,438 bn
Q3 11 Q
Q Q
Realized GainsLosses
on Bonds 25.19
51.43 52.54
68.86 Unrealized
GainsLosses on Bonds
18.52 31.78
19.39 22.19
Total 43.71
19.66 71.93
91.05
Q2 ’12 Gov’t Bond GainsLosses Rp bn
Mark to Market impacts Profit Mark to Market impacts Equity
Nominal value
50.06 21.75
1.22
5.78
1.64 10
20 30
40 50
60 70
Trading AFS
HTM
Fixed Rate Variable Rate
Bonds by Rate Type Portfolio as of June 2012Rp bn
62
Stated in Rp Millions
63
Moody’s Fitch
Outlook STABLE
Outlook POS
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 BB-
Senior Unsecured Debt WR
ST Issuer Default Rating F3
Bank Financial Strength D
Individual Rating CD
Foreign Currency ST Deposits P-3
Support Rating 2
Local Currency ST Deposits P-3
Sta 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
64
Dividend Payment
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
Schedule : a. Cum Date:
Regular and Negotiated Market: May 15, 2012
Cash Market: May 22, 2012
b. Ex Date: Regular and Negotiated Market:
May 16, 2012 Cash Market:
May 23, 2012 c. Payment Date:
June 5, 2012 Net Profit for the financial year of 2010 of Rp9,218,297,786,087.18
was distributed as follows: • 35, or Rp3,226,404,225,130.51, for the annual dividend
• Total Dividend Payment of Rp138.27 per share • Interim dividend of Rp19.64 paid on 30 December 2010
65
267 ,819
2,911 2,117
4 30
20,621 1,043
288,715
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
12 ,137
2,911 2,117
1,009 326
242 47
12,054
Beg. Bal. Cat. 1 DG UG to 1 DG to
NPL NPL UG
Net Disburs.
FX Impact End Bal.
66
Loan Profile: Q2 Collectability by Segment Bank Only
95.3 96.8
92.4 88.2
88.5 2.4
2.2 5.2
8.1 9.6
0.5 0.1
0.3 0.7
0.4 1.6
0.8 1.6
2.1 1.1
Corp Comm
Small Micro
Cons
5 4
3 2
1
119,239
87,211
30,648 13,313
38,304
1,993
1,737
1,216 4,150
711
537
322 488
10,000 20,000
30,000 40,000
50,000 60,000
70,000 80,000
90,000 100,000
110,000 120,000
Corp Comm
Small Micro
Cons Loan Profile: Q2 Collectability Rp bn by Segment
Bank Only
67
10 20
30 40
50 60
70 Current
30 Days OD
Quarterly DG to NPL Interest DPD - Bank Only
11 ,161
6 ,901
1,1 77
4,1 06
1 ,558
1 ,304
1 ,031
1 ,644 235 783 561 134 503 596 325
1 ,858
1 ,975 297 480 283 851 617 454 552
1 ,284 357 605 503 553 649
2,000 4,000
6,000 8,000
10,000 12,000
Q 1
05 Q
2 05
Q 3
05 Q
4 05
Q1 06
Q2 06
Q3 06
Q 4
06 Q
1 07
Q 2
07 Q
3 07
Q 4
07 Q
1 08
Q2 08
Q3 08
Q 4
08 Q
1 09
Q 2
09 Q
3 09
Q 4
09 Q1
10 Q2
10 Q3
10 Q
4 10
Q 1
11 Q
2 11
Q 3
11 Q
4 11
Q 1
12 Q2
12 Rp Value
Quarterly NPL Stock Interest DPD - Bank Only
17 ,45
6 24
,962 24
,193 26
,248 26
,424 25
,665 25
,41 4
17 ,96
17 ,18
16 ,500
13 ,603
10 ,654
6 ,558
6 ,510
6 ,586
7,8 33
9,6 78
7 ,700
6 ,099
4 ,505
3 ,589
3 ,668
3,9 85
3,9 29
4301 4261 4983 4805 4927 4643
5,000 10,000
15,000 20,000
25,000 30,000
Q 1
05 Q2
05 Q3
05 Q4
05 Q
1 06
Q 2
06 Q
3 06
Q 4
06 Q
1 07
Q 2
07 Q3
07 Q4
07 Q
1 08
Q 2
08 Q
3 08
Q 4
08 Q
1 09
Q2 09
Q3 09
Q4 09
Q 1
10 Q
2 10
Q 3
10 Q
4 10
Q 1
11 Q
2 11
Q3 11
Q4 11
Q 1
12 Q
2 12
Rp Value
Excluding Micro Consumer Loans Only
10 20
30 40
50 60
70 Current
30 Days OD
68 29
,542 23
,987 21,045
19,427 20,914
20 ,645
16 ,560
17 ,104
16 ,046
15 ,271
16,278 15,334
14 ,131
13 ,646
13 ,546
13 ,534
14 ,236
14 ,170
2002 Add Dedu ct
2003 Ad d
Dedu ct
2004 Add Dedu ct
2005 Add Dedu ct
2006 Add Dedu ct
2007 Add Dedu ct
2008 Add Dedu ct
2009 Ad d
Dedu ct
Q1 1
Add Dedu ct
Q 2
10 Add Dedu
ct Q
3 10
Add Ded u
ct Q4
1 Add Dedu
ct Q
1 11
Add Dedu ct
Q 2
11 Add Dedu
ct Q
3 11
Add Dedu ct
Q 4
11 Add Dedu
ct Q1
1 2
Add Ded u
ct Q
2 12
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 Q2 2012
Maturity extension;
49.2
Maturity extension
wreduced rates; 5.4
Maturity extension
wother restrg;
43.5 LT loans
wconvert; 1.4
Additional loans; 0.4
Other Restructuring includes reduction of interest rates, rescheduling of unpaid interest extension of repayment period for unpaid interest
Restructured Loan Movement 2002 - 2012
Rp billions Q4
Q Q2
Q3 Q4
Q1 Q2
Loans Restructured
732 4
16 -
1,247 1,144
202 NPL Collections
221 104
143 222
931 195
164
69
Plantations 14
Mfg-Oth 13
Bus Serv 10
Mfg-FB 8
Trad-Ret 8
Others 8
Plantations Mfg-Oth
Bus Serv Mfg-FB
Trad-Ret Mfg-Chem
Trad-Distr Trans
Trad-Oth Mining-Oil Gas
Constr Utilities
Others
1 Non-consolidated numbers Each sector 4
Excluding Micro Consumer Loans Only
70 3
4 5
30 days 90 days
1 day
Mass Trans Trad-Ret
Constr Trad-Distr
Mfg-Chem Oth Mfg
Others
USD 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: Q2NPL Downgrades Only Rp649.3bn Bank Only
Excluding Micro Consumer Loans Only
Corporate, Commercial Small Business loans downgraded to NPL in
Q2 totaled Rp649.3billion. Of these loans:
53.8 were more than 90 days
overdue on interest payments
38.3 came from our Corporate
portfolio
Largest downgrades by sector:
Mass Transportation
Retail Trading
Construction
99.9 were IDR loans
50.2 were Investment Loans, 49.5
were Working Capital loans
71
3 4
5
30 days 90 days
61-90 days Current
Mfg-Chem Trad-Distr
Trad-Ret Mass Trans
Trad-Dom Mfg-Metal
Mfg-Oth Mfg-Text
Others
USD IDR
Consumer Export
Invest Program
Synd WC
Comm Corp
Small
10 20
30 40
50 60
70 80
90 100
Collect. Int. Aging
Sector Currency
Purpose Segment
Loan Profile: Q2 Non-Performing Loans Only Rp4,643Bn Bank Only
Excluding Micro Consumer Loans Only
17.2 remain current on interest
payments and an additional 6.4 are less than 90 days overdue
63.9 are to Corporate customers
62.5 are Working Capital loans and
25.2 are Investment loans
Primary sectors are:
Chemical Manufacturing
Distribution Trading
Retail Trading
67.5 are Rp loans
18.0 are Cat. 3 10.9 are Cat. 4
Corporate, Commercial Small Business NPLs totaled Rp4,643 Billion in
Q2. Of these NPLs in Q2:
72
Comm Corp
Small
30 days 1 day
31-60 days 61+ days
Current
Trad-Ret Trad-Distr
Mfg Agri
Trad-Dom Others
IDR
Consumer Export
Program 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: Q2 Downgrades to Cat 2 Only Rp1,052Bn Bank Only
Excluding Micro Consumer Loans Only
Rp1,052 Billion in Corporate, Commercial Small
Business loans were downgraded to Category 2 in Q2. Of the Special
Mention Loans downgraded:
89.6 are for Small Business 9.5 are to Commercial customers
18.6 are current 1.8 are 1 day
overdue in interest payments
Primary sectors downgraded are:
Retail Trading
Distribution Trading
Manufacturing
100 are Rupiah loans
85.1 are Working Capital loans
73
Comm Corp
Small
30 days 1 day
31-60 days 61+ days
Current
Mfg-Text Trad-Ret
Mfg-NonM Mfg-Oth
Constr Mass Trans
Export Mfg-Chem
Mining Trad-Distr
Trad-HR
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: Q2 Category 2 Loans Only Rp6,688bn Bank Only
Excluding Micro Consumer Loans Only
Rp6,688 billion in Corporate, Commercial Small
Business loans were in Category 2 in Q2. Of these Special Mention loans:
44.2 are to Corporate customers
71.0 are current or 1 day
overdue, with an additional 15.2 less than 30 days overdue
Primary sectors in Category 2 are:
Textile Manufacturing
Retail Trading
Non Metal Manufacturing
71.1 are IDR loans
52.9 are Working Capital loans
76.2 were Category 2 in Q2 12
74
1 2
Comm Corp
Small
Mass Trans Mfg-RawM
Trad-Ret Trad-Oth
Mfg-Oth Others
FX IDR
Invest Program
WC
2000 2004
2000-2004
10 20
30 40
50 60
70 80
90 100
Collect. Segment
Sector Currency
Purpose Origin Year
Loan Profile: Q2 Upgrades to PL Rp291.8 bn Bank Only
Excluding Micro Consumer Loans Only
Corporate, Commercial Small Business loans upgraded to PL in Q2
totaled Rp291.8bn. Of these loans:
82.6 were to Corporate borrowers
86.1 originated later than 2004
Largest upgrades by sector:
Mass Transportation
Raw Metal Manufacturing
Retail Trading
33.6 were IDR loans
24.6 were Working Capital loans
75
1 2
Comm Corp
Small
Plantations Mfg-Oth
Bus Serv
Mfg-FB
Trad-Ret Trad-Distr
Mfg-Chem Trad-Oth
Mining-Oil Gas
Constr Utilities
Comm 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: Q2 Performing Loans Only Rp243,79bn Bank Only
Excluding Micro Consumer Loans Only
Rp243,79bn in Corporate, Commercial Small Business loans were
performing in Q2. Of these performing loans:
50.1 are to Corporate customers
36.6 are to Commercial customers
89.6 originated since 2005
Primary sectors are:
Plantations
Business Service
FB Manufacturing
81.9 are Rupiah loans
50.7 are Working Capital loans, 38.3 are Investment loans
76
1 2
3 4
5
30 days 61+ days
Current
Mfg-Chem Mfg-Text
Mfg-PP Mfg-Oth
Trading Plantations
Mfg-Metal Mfg-NonM
Mass Trans Others
USD IDR
Invest Synd
WC
Comm Corp
Small
10 20
30 40
50 60
70 80
90 100
Collect. int Aging
Sector Currency
Purpose Segment
Loan Profile: Q2 Restructured Loans Only Rp13,864bn Bank Only
Of the remaining Rp13,864 billion in restructured Corporate, Commercial
Small Business loans in Q2 :
Excluding Micro Consumer Loans Only
91.9 are performing
87.8 of Restructured Loans are
current in interest payments
Primary sectors are:
Manufacturing •
Chemicals •
Textiles •
Pulp Paper
Trading
58.2 are Rupiah loans
61.7 are Working Capital loans
82.9 are to Corporate customers
1.8 deteriorated in collectability
7.2 showed improved collectability
77
97.6 are performing loans, with
2.4 in Category 2
86.6 of Category 2 loans are
current in interest payments
Primary sectors in Corporate are:
Plantation
Trading
Food Beverage Mfg
Other Manufacturing
74.0 are Rupiah loans
44.3 are Investment loans; 41.7
are Working Capital loans
Loan Profile: Q2 Corporate Loans Only Rp125,165bn Bank Only
Rp125,165billion in loans were in the Corporate portfolio in Q2. Of the
Corporate Loans in Q2:
1 23
5
30 days 1 day
61+ days Current
Plantations Trading
Mfg-FB Oth. Mfg
Bus Serv Mining-Oil
Gas Mfg-Chem
Comm Utilities
Constr Oth. Mining
USD IDR
Export Invest
Synd WC
REF
2000 2004
2000-2004
10 20
30 40
50 60
70 80
90 100
Collect. Cat. 2 Int. Aging Sector Currency
Purpose Origin Year
78
1 2
5
30 days 1 day
31-60 days 61+ days
Current
Bus Serv Oth. Mfg
Trad-Distr Mfg-Chem
Others Plantations
Oth. Trad Mass Trans
Mfg-Metal Mfg-FB
Mining
USD IDR
Consumer 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
99.9 are performing loans, with
2.2 in Category 2
77.4 of Category 2 loans are
current in interest payments
Primary sectors in Commercial are:
Business Service
Other Manufacturing
Distribution
Chemical Manufacturing
85.7 are Rupiah loans
54.2 are Working Capital
loans, 36.8 are Investment loans
Loan Profile: Q2 Commercial Loans Only Rp90,081bn Bank Only
Rp90,081billion in loans were in the Commercial portfolio in Q2. Of the
Commercial Loans in Q2:
79
1 2
3 5
30 days 1 day
31-60 days 61+ days
Current
Trad-Ret Trad-Distr
Plantations Mfg
Bus Serv Constr
Oth. Trad Soc Serv
Trans Mining
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
97.6 are performing loans, with
5.2 in Category 2
15.8 of Category 2 loans are
current in interest payments
Primary sectors in Small Business
are:
Retail Trading
Distribution
Plantations
99.8 are Rupiah loans
77.0 are Working Capital loans
Loan Profile: Q2 Small Business Loans Only Rp33,183bn Bank Only
Rp33,183 billion in loans were in the Small Business portfolio in Q2. Of the
Small Business Loans in Q2:
Excluding Micro Consumer Loans Only
80
1 2
4
5
30 days
1 day
31-60 days 61+ days
Current
Plantations Oth. Mfg
Bus Serv Mfg-FB
Trad-Ret Trad-Distr
Mfg-Chem Oth. Trad
Constr Comm
Comm Corp
Small
Consumer Invest
Synd WC
2000 2004
2000-2004
10 20
30 40
50 60
70 80
90 100
Collect. Cat. 2 Int. Aging Sector Segment
Purpose Origin Year
98.5 are performing loans, with
2.3 in Category 2
56.3 of Category 2 loans are
current in interest payments
Primary sectors in Rupiah loans are:
Plantations
Other Manufacturing
Business Services
Food Beverage Mfg
45.6 are Corporate loans
56.7 are Working Capital
loans, 35.5 Investment loans
Loan Profile: Q2 Rupiah Loans Only Rp202,956bn Bank Only
Rp202,956 billion in loans were Rupiah denominated in Q2. Of the Rupiah
Loans in Q2:
Excluding Micro Consumer Loans Only
81
1 2
5
30 days
1 day
31-60 days 61+ days
Current
Mining-Oil Gas
Trading Mining-Coal
Plantations Mfg-Chem
Oth. Mfg Bus Serv
Utilities Mfg-Text
Comm Corp
Small
Employee Export
Invest Synd
WC
2000 2004
2000-2004
10 20
30 40
50 60
70 80
90 100
Collect. Cat. 2 Int. Aging Sector Segment
Purpose Origin Year
96.7 are performing loans
88.03 of Category 2 loans are
current in interest payments
Primary sectors in FX loans are:
Mining Oil Gas
Trading
Mining - Coal
Plantations
71.6 are Corporate loans
49.4 are Investment loans ; 25.2
are Working Capital loans
Loan Profile: Q2 FX Loans Only Rp45,474bn Bank Only
Rp45,474 billion in loans were FX denominated in Q2. Of the FX Loans in
Q2:
Excluding Micro Consumer Loans Only
82
Mandiri Credit Card Delinquency Rates
75.6
62.6 59.1
53.8 46.4
56.6 69.7
68.1 81.6
93.4 87.9
95.8 105.8
104.8 101.8
100.2 106.1
32.6 40.8
37.5 37.1
29.7 28.6
43.5 45.7
57.3 53.5
63.0 65.6
65.563.8 61.5
59.2
6.9 8.8
13.9 14.5
17.6 16.9
24.4 23.6
36.0
10.8 13.1
12.5 15.015.4
Q 4
05 Q
4 06
Q 1
07 Q
2 07
Q 3
07 Q
4 07
Q 1
08 Q
2 08
Q 3
08 Q
4 08
Q 1
09 Q
2 09
Q 3
09 Q
4 09
Q 1
10 Q2
10 Q
3 10
Q 4
10 Q
1 11
Q 2
11 Q
3 11
Q 4
11 Q
1 12
Q 2
12 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
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
2.32.4 2.4
5.0 4.8
3.9 3.3
2.4 2.4
2.2 2.2 2.1
2.2 2.2 2.22.3
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
Q 4
05 Q
4 06
Q 1
07 Q
2 07
Q 3
07 Q
4 07
Q 1
08 Q
2 08
Q 3
08 Q4
08 Q
1 09
Q 2
09 Q
3 09
Q 4
09 Q
1 10
Q 2
10 Q
3 10
Q 4
10 Q
1 11
Q 2
11 Q
3 11
Q 4
11 Q
1 12
Q 2
12 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
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
2001 2002
2003 2004
2005 2006
2007 2008
2009 Q110
Q210 Q310
Q410 Q111
Q211 Q311
Q411 Q112
Q212
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
2001 2002
2003 2004
2005 2006
2007 2008
2009 Q110
Q210 Q310
Q410 Q111
Q211 Q311
Q411 Q112
Q212
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
2001 2002
2003 2004
2005 2006
2007 2008
2009 Q110
Q210 Q310
Q410 Q111
Q211 Q311
Q411 Q112
Q212
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
2001 2002
2003 2004
2005 2006
2007 2008
2009 Q110
Q210 Q310
Q410 Q111
Q211 Q311
Q411 Q112
Q212
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
Loan growth, qual it
y provi
si oni
n g
rel at
ive t o
peers
Bank Onl y,
As of Marc
h 2012
308 202
196 121
106 94
92 86
79 41
BCA BRI
Mandiri BNI
CIMB Niaga Permata
Danamon BII
Panin BTN
Rati o
of Prov
is ions
to NPL
286,259 283,142
209,202 159,300
123,866 87,429
74,399 69,811
65,400 62,031
Mandiri BRI
BCA BNI
CIMB Niaga Danamon
Panin Permata
BII BTN
T otal Loans
Rp bn
39.2 33.5
