17
Some numbers have been reclassified to some fee categories
Non-Loan Related Fees Commissions 4Q
2016 3Q
2016 QoQ
4Q 2015
4Q YoY FY
2016 FY
2015 FY YoY
Δ Δ
Δ
Administration Fees 875
878 0.3
844 3.7
3,487 3,115
12.0 Opening LC, BG Cap. Market Custodian Trustee
336 297
13.1 293
14.9 1,259
1,280 1.6
Subsidiaries 416
388 7.4
9 NA
1,475 1,031
43.0 Transfer, Retail Transaction
722 565
27.8 599
20.6 2,409
1,992 20.9
Credit Cards 496
497 0.0
517 4.1
1,994 2,103
5.2 Mutual Fund, ORI Bancassurance
125 100
24.0 128
2.9 426
417 2.2
Syndications 240
77 211.4 80
199.9 560
214 161.8
Payroll Package 19
18 7.4
20 2.9
75 77
1.8 Others
28 65 55.9
30 4.7
245 214
14.6
Total 3,202
2,755 16.2 2,443
31.1 11,440 10,015
14.2
Foreign Exchange Gains 631
618 2.0
844 25.3 2,265
2,238 1.2
Gains Fr Sale Incr. in Value of Sec. Gov. Bonds 90
263 65.9 178 49.5
762 257
196.1 Cash Recoveries
1,192 810
47.2 1,161 2.7
3,193 3,041
5.0 Other Income
707 589
20.0 854 17.2
2,388 3,085
22.6
Total Fee Based Income As Reported 5,822
5,036 15.6 5,479
6.2 20,048 18,636
7.6 of Non Loan Related fees to total opr. income
30.1 24.9 28.7
26.9 27.8
18
1,524 1
,510 1
,883 2
,107 1
,614 2
,004 2
,071 2,565
2 ,034
2,322 2
,375 3
,167 2
,309 2
,693 2
,958 3
,488 2,574
3 ,173
3 ,322
3 ,730
3 ,305
3 ,640
3 ,497
3,517 1
,547 1,631
1 ,671
1 ,903
1 ,865
1 ,939
1 ,869
2 ,372
2,042 2
,336 2
,679 2
,374 2
,626 2
,662 2
,752 2,807
2 ,920
3,109 2
,903 3
,444 3
,406 3
,488 3
,290 3
,435
1Q 11
2 Q
11 3
Q 11
4 Q
11 1
Q 12
2 Q
12 3
Q 12
4Q 12
1 Q
13 2Q
13 3
Q 13
4 Q
13 1
Q 14
2 Q
14 3
Q 14
4 Q
14 1Q
15 2
Q 15
3 Q
15 4
Q 15
1 Q
16 2
Q 16
3 Q
16 4Q
16
GA Expenses Personnel Expenses
Breakdown of 4Q 2016 Operating Expenses Quarterly Consolidated Operating Expenses CIR
Rp Bn Rp Bn
32.4 37.3
39.0 41.6
44.0 43.2
42.7 51.3
41.1 43.1
42.5 48.4
41.8 43.2
46.6 44.4
44.4 45.2 40.1
42.7 44.5
46.0 38.5
41.3
CIR
Reclassification from Occupancy Related to Employee Related
Q4 2016
Q4 2015
FY 2016
FY 2015
Growth QoQ
4QYoY YoY
Personnel Expenses
Base Salary 882
786 3,533
3,137 1.0
12.2 12.6
Other Allowances 1,542
1,485 6,302
5,806 6.2
3.9 8.5
Post Empl. Benefits 54
191 351
475 44.6 72.0 26.1 Training
177 287
531 485
28.7 38.2 9.4
Subsidiaries 780
694 2,902
2,473 9.5
12.3 17.3
Total Personnel Expenses 3,435
3,444 13,619 12,377 4.4 0.3
10.0 GA Expenses
IT telecoms 573
484 2,140
1,817 13.4
18.2 17.8
Occupancy Related 839
849 2,916
2,685 19.8 1.2
8.6 Promo Sponsor
386 426
1,243 1,149
32.4 9.4 8.2
Transport Travel 189
184 699
634 20.0
2.4 10.2
Goods, Prof. Svcs. Oth. 668
550 2,048
1,633 38.5
21.5 25.4
Employee Related 622
534 2,375
2,116 9.0
16.6 12.3
Subsidiaries 240
702 2,537
2,766 69.6 65.8 8.3
Total GA Expenses 3,517
3,730 13,958 12,800 0.6 5.7
9.0 Other Expenses
1,011 906
3,691 3,578
13.7 11.6
3.2 Total Operating Expenses
7,963 8,080 31,268 28,755
3.7 1.4 8.7
19 Top 10 Industries in Corporate Lending Expansion
4Q 15 –4Q 16 Total Rp31.18 Tn
Rp Bn
1,661 1,688
1,740 2,244
2,374 3,017
4,344 5,982
11,702 14,032
Trad-Exp Mfg-NonM
Mfg-RawM Soc Serv
Mfg-Chem Roads Bridge
Mining-Metal Ore Bus Serv
Electricity Trad-Ret
388.6 106.1
53.9 117.4
56.6 17.5
132.0 42.7
69.3 28.8
Rp Bn
Top 10 Industries in Commercial Lending Expansion 4Q
5 – 4Q 6 Total Rp4.48 Tn
324 383
553 582
749 904
1,073 1,311
2,047 3,180
Trad-Imp Mfg-NonM
Real Estate Warehousing
Trad-Exp Leasing
Comm Constr
Bus Serv Plantations
19.3 23.6
31.7 64.7
183.9 31.3
382.2 17.6
23.0 7.9
Whol es
al e
Trans acti
ons Dri
vi ng
CA SA
745 2,414
4,066 6,153
7,784 10,943
11,899 12,932
13,629 13,873
14,105 14,397
14,676 15,101
15,565 16,200
16,853 16,853
2006 2007
2008 2009
2010 2011
2012 2013
3Q14 4Q14
1Q15 2Q15
3Q15 4Q15
1Q16 2Q16
3Q16 4Q16
Ca sh
Ma na
g em
en t
Use rs
248 677
1,178 2,201
2,657 3,598
3,989 4,484
4,832 5,123
5,266 5,384
5,704 7,085
7,392 7,563
4Q10 4Q11
4Q12 4Q13
1Q14 2Q14
3Q14 4Q14
1Q15 2Q15
3Q15 4Q15
1Q16 2Q16
3Q16 4Q16
A ver
age of
Ca sh
Ma na
g em
en t
000 ,
t ot
al 22
.7 Mn
tr an
sact ion
s in
4 Q
2016
E xc
lud ing
M an
di ri
T ran
sa ct
io n
S yst
e m
Whol esal
e CAS A
Deposi ts
Rp Bn
58,055 62,257
61,691 53,604
74,116 89,959
74,334 73,192
140,278 149,351
- 20,
000 40
,000 60
,000 80
,000 100
,000 120
,000 140
,000 160
,000 180
,000
2007 2008
2009 2010
2011 2012
2013 2014
2015 2016
6 .5
Yo Y
Gro wt
h
21
Forex
34 42
63 61
56 41
46 281,153
310,512 322,795
399,500 379,730
348,436 433,929
- 50,000
100,000 150,000
200,000 250,000
300,000 350,000
400,000 450,000
500,000
- 10.0
20.0 30.0
40.0 50.0
60.0 70.0
80.0 90.0
Dec 10 Dec 11
Dec 12 Dec 13
Dec 14 Dec 15
Dec 16
Value USD Bn of Trx
Wholesale Remittance
70 94
121 135
146 126
90 435,866
448,219 599,909
651,241 739,046
730,011
399,585
- 100,000
200,000 300,000
400,000 500,000
600,000 700,000
800,000
- 20.0
40.0 60.0
80.0 100.0
120.0 140.0
160.0 180.0
Dec 10 Dec 11
Dec 12 Dec 13
Dec 14 Dec 15
Dec 16
Value USD Mn of Trx
Excluding Mandiri Transaction System
Mandiri Cash Management
549 818
1 ,519
2 ,231
3 ,120
3 ,778
4 ,549
2,503 7,668
13,676 24,543
44,184 61,599
82,075
25,000 5,000
15,000 35,000
55,000 75,000
95,000
- 500.0
1,000.0 1,500.0
2,000.0 2,500.0
3,000.0 3,500.0
4,000.0 4,500.0
5,000.0
Dec 10 Dec 11
Dec 12 Dec 13
Dec 14 Dec 15
Dec 16
Value Rp Tn of Trx 000
Trade Transactions : Export, Import, Domestic
85 110
125 133
137 127
107
495,813 510,916 517,251 520,948 509,207
468,870 406,669
- 100,000
200,000 300,000
400,000 500,000
600,000
- 20.0
40.0 60.0
80.0 100.0
120.0 140.0
160.0
Dec 10 Dec 11
Dec 12 Dec 13
Dec 14 Dec 15
Dec 16 Value USD Bn
of Trx
22
132.7 140
.6 146.1
165 .0
157 .5
166 .8
176 .3
190 .9
179 .0
180.8 184
.7 202
.6 182
.5 186
.0 188
.0 209
.8 193.0
214 .8
21 2.1
233 .5
12.7 12.8 13.0
13.7 14.7
15.6 18.4
20.7 21.0 22.0 21.8
24.0 22.2 23.2
24.3 23.1
21.1 21.7 23.1
26.0
14.6 15.4 16.1
18.6 17.0
16.7 28.6
33.0 29.7 33.6
34.4 40.2
33.5 36.4 25.0 31.9
29.0 29.9 30.5
36.5
4.3 4.3 10.7
11.4 12.1
11.9 13.1 13.0
12.8 14.4
7.8 7.6
6.9 6.5 6.8
9.0
71.6 70.3
71.5 71.4
72.1 70.7
80.2 84.5
88.4 100.1
108.3 120.0
119.2 116.0
110.0 110.3
112.2 115.5116.9
120.0
5.0 5.0
5.1 5.0
4.7 4.6
6.4 7.0
6.3 7.0
7.2 9.5
9.0 7.8 7.7
7.4 6.9
6.8 7.0 10.7
20 40
60 80
100 120
140 160
180 200
220 240
260 280
300 320
340 360
380 400
420 440
460 480
1 Q
12 2
Q 12
3 Q
12 4Q
12 1
Q 13
2Q 13
3 Q
13 4
Q 13
1 Q
14 2
Q 14
3 Q
14 4
Q 14
1Q 15
2 Q
15 3
Q 15
4 Q
15 1
Q 16
2 Q
16 3
Q 16
4Q 16
Rp Savings Deposits FX Savings Deposits
Rp Demand Deposits FX Demand Deposits
Rp Time Deposits FX Time Deposits
Retail Deposit Analysis – Bank Only
2.2 1.7
2.0 2.0 2.0 2.0 2.1 1.9 2.1 2.1 2.1 2.0 1.8 1.9 2.1 2.1
1.5 1.5 1.6 1.5 1.5 1.4 1.3 1.2 1.2 1.2 1.3 1.1 1.1 1.1
6.3 5.1
6.6 7.0
7.3 8.3
7.9 7.8 7.4 7.5 7.2
6.9 6.7 6.6 6.4
5 10
4 Q
11 4
Q 12
4Q 13
1 Q
14 2
Q 14
3 Q
14 4
Q 14
1 Q
15 2
Q 15
3Q 15
4 Q
15 1Q
16 2
Q 16
3 Q
16 4
Q 16
Rp DD Rp Savings
Rp TD
Average Quarterly Deposit Costs
0.1 0.2 0.3 0.3 0.3 0.3 0.3 0.3 0.3
0.4 0.2 0.3
0.6 0.7 0.8
0.8 0.6
0.8 1.2 1.2
1.1 1.3
1.8 1.2
0.8 0.6 0.5
0.5 0.6 0.6
0.0 0.5
1.0 1.5
2.0
4Q 11
4 Q
12 4
Q 13
1 Q
14 2
Q 14
3 Q
14 4
Q 14
1 Q
15 2Q
15 3
Q 15
4 Q
15 1
Q 16
2 Q
16 3
Q 16
4Q 16
FX DD FX TD
66.5 69.6
70.1 72.5
71.6 73.0 73.7 71.9
69.9 68.8
68.4 66.2
67.7 67.6 69.8
67.7 69.1
68.8 70.0
CASA as of total deposits
23
63 ,323
66, 851
73 ,324
81, 046
84 ,675
91 ,504
96 ,268
105 ,192
108 ,434
118 ,788
123 ,833
130, 158
131 ,857
140 ,189
146 ,744
155 ,338
158 ,173
165, 304
167 ,429
175, 211
173 ,739
182 ,190
185 ,335
196 ,194
28.6 27.6
28.3 29.6
29.8 30.2
30.9 31.8 31.7
31.3 31.2
31.8 32.6 32.7
33.1 33.332.7 33.8
33.133.1
20 22
24 26
28 30
32 34
30,000 40,000
50,000 60,000
70,000 80,000
90,000 100,000
110,000 120,000
130,000 140,000
150,000 160,000
170,000 180,000
190,000 200,000
210,000 220,000
230,000
1 Q
2011 2
Q 2011
3Q 2011
4 Q
2011 1
Q 2012
2 Q
2012 3
Q 2012
4 Q
2012 1Q
2013 2
Q 2013
3Q 2013
4 Q
2013 1
Q 2014
2 Q
2014 3
Q 2014
4 Q
2014 1
Q 2015
2 Q
2015 3Q
2015 4
Q 2015
1 Q
2016 2
Q 2016
3 Q
2016 4
Q 2016
Retail to Total Loans
Retail to Total Loans
Micro Credit Business Banking
Consumer Finance
Rp Bn Business Banking
60,454 60,784
330
4Q2015 Growth
4Q2016
YoY 0.5
Rp Bn Micro Credit
42,507 50,647
8,140
4Q2015 Growth
4Q2016
YoY 19.1
Rp Bn
72,250 84,763
12,513
4Q2015 Growth
4Q2016
YoY 17.3
Consumer Finance
Strong M icrof
inan ce Growth
200 300
502 687
898 994
1,084
600 800
800 878
928 1,027
1,127 1,427
1,718
10 152
480 710
760 751
706 653
612
6 10
2008 2009
2010 2011
2012 2013
2014 2015
2016
Bra n
ch Unit
Ki o
sk C
a sh
O u
tl e
t
Cus tome
rs 000
Ne tw
or k
Of Ne w
Cus tome
rs
73,566 79,500
76,325 94,855
74,037 110,000
121,007 146,359
126,509 140,064
131,715 147,825
138,747 160,620
136,196 162,181
140,886 167,145
158,909 162,738
134,501 138,500
97,164 127,828
130,227 146,323
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
3Q 13 4Q 13
1Q 14 2Q 14
3Q 14 4Q 14
1Q 15 2Q 15
3Q 15 4Q 15
1Q 16 2Q 16
3Q 16 4Q16
271 430
562 694
815 889
1 ,0
9 1
,112 1
,208
2008 2009
2010 2011
2012 2013
2014 2015
2016
…as el
l as Cosue Ledi
g, hi
h ‘ose 17
.3 Y
-o -Y
Mort gages
Gr ew
11 .78
14,268 15,523
16,466 17,779
18,764 20,113
20,919 22,818
24,092 26,135
27,357 26,995
26,690 26,505
26,347 26,495
26,207 26,340
26,369 26,832
26,869 27,651
28,001 29,994
3,964 3,979
3,949 3,887
3,777 3,679
3,571 3,471
3,365 3,312
3,240 3,181
3,172 3,198
3,240 3,310
3,326 3,432
3,534 3,739
3,892 4,313
4,914 5,881
6,398 6,708
6,861 6,995
7,143 7,412
7,753 8,206
8,386 8,958
9,374 9,781
10,030 10,642
11,253 11,880
12,201 12,838
13,408 14,103
14,497 15,279
16,160 17,441
3,575 3,761
3,910 4,296
4,245 4,492
4,590 5,035
5,025 5,195
5,303 5,620
5,557 6,855
7,568 8,288
8,343 8,751
8,683 8,970
8,768 8,761
8,674 9,128
3,454 3,492
4,200 5,115
5,829 6,593
6,609 7,209
7,486 7,905
9,013 10,218
11,083 12,260
13,271 13,983
14,890 15,630
16,641 17,608
18,344 18,981
20,001 21,124
698 791
873 928
964 1
,016 1
,037 1,010
966 927
904 809
840 805
765 750
683 733
892 998
1,043 1
,091 1
,133 1,194
5 ,000
1 ,0
15 ,000
20 ,000
25 ,000
30 ,000
35 ,000
40 ,000
45 ,000
50 ,000
55 ,000
6 ,0
65 ,000
70 ,000
7 5
,0 80
,000 85
,000 9
,0 95
,000 1Q 11
2Q 11 3Q 11
4Q 11 1Q 12
2Q 12 3Q 12
4Q 12 1Q 13
2Q 13 3Q 13
4Q 13 1Q 14
2Q 14 3Q 14
4Q 14 1Q 15
2Q 15 3Q 15
4Q 15 1Q 16
2Q16 3Q16
4Q16
Ot h
e r
Au to
Cre d
it Card
s
Pa yro
ll Lo
an s
H o
m e
E q
u ity
Lo an
s
Mo rtga
ge s
Loan T
ype Gr
o wth
Y -o
-Y Q
-o -Q
Other 1
9 .5
5 5
.3 6
Auto Loan
s 1
9 .9
7 5
.6 2
Cr edi
t Car ds
1 .7
7 5
.2 4
P a
yr ol
l Loan s
2 3
.6 7
7 .9
Home E
qui ty Loans
5 7
.2 9
1 9
.6 8
Mortg age
s 1
1 .7
8 7
.1 2
Tot al
Consumer 1
7 .3
2 7
.4 5
Quart er
ly Consumer
Lendi ng
Bal a
nces b y
Type Consumer
L endi
ng Gr
o wth
b y
Type
Rp 84
.8 Tn
A u
to M
o to
rc yc
le Loa
n s
ch an
n el
e d
o r
e xecu
ted t
h ro
u gh
fi n
an ce
comp an
ies = Rp
8 .5
Tn in
ou r
C ommer
ci al
P ort
fol io
26
Quarterly Transaction Value Rp Tn Quarterly Users Mn
95.5 122.2
147.7 153.8
170.0 179.3
191.2 192.6
208.1 210.0
241.5 245.0
236.8 252.7
238.0 248.3
2.1 3.5 4.1 5.0 6.6
8.3 10.5 17.6
28.3 35.7
38.9 53.0
55.3 68.9
67.8 84.0
7.1 14.0
18.1 23.5 26.8
29.4 33.3 33.3
34.5 46.7
32.6 36.1
36.5 35.5
40.0
20 40
60 80
100 120
140 160
180 200
220 240
260 280
4 Q
09 4
Q 10
1 Q
11 2
Q 11
3 Q
11 4
Q 11
1 Q
12 2
Q 12
3Q 12
4 Q
12 1
Q 13
2Q 13
3 Q
13 4
Q 13
1Q 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 3Q
16 4
Q 16
ATM Mobile Banking
Internet Banking
7.7 8.6
8.2 9.2
10.0 10.6
11.1 11.6
11.8 12.4
12.6 12.6
13.6 13.8
14.1
3.2 4.7
4.9 5.3
5.6 5.8 6.1
6.3 6.5 6.7 6.8
6.9 7.0
7.1 7.2
7.3
1.2 1.0 1.1
1.2 1.3 1.4 1.5 1.6
1.7 1.8 1.9 2.0 2.1
2.1 2.2
2 4
6 8
10 12
14
4 Q
09 4Q
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
2Q 13
3 Q
13 4
Q 13
1Q 14
2 Q
14 3
Q 14
4Q 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
Debit Cards Mobile Banking
Internet Banking
Quarterly Transaction Volume Mn
142 157
184 189
212 218 233 235
246 249 268
293 295
287 309
291 306
39 36
44 41 43 41 39
44 51
53 47
48 50
46 49
45 48
12 18
23 26 32 31 34
57 70
113 172
196 190
254 258
295
17 42
55 78
85 67
76 81
89 117
102 117
131 138
149 156
25 50
75 100
125 150
175 200
225 250
275 300
325
4 Q
09 4
Q 10
1 Q
11 2Q
11 3
Q 11
4 Q
11 1
Q 12
2 Q
12 3
Q 12
4 Q
12 1
Q 13
2 Q
13 3
Q 13
4Q 13
1 Q
14 2Q
14 3
Q 14
4 Q
14 1
Q 15
2Q 15
3 Q
15 4
Q 15
1 Q
16 2
Q 16
3 Q
16 4
Q 16
ATM Branch
Mobile Banking Internet Banking
27
Fee Income from e-channel Tx Rp Bn
52.1 89.4 126.2 200.3 258.2
315.2 347.6 414.7 604.3 711.7
65.5 98.5 166.6
196.5 285.7
318.6 382.0
490.3 663.4
765.2
81.9 110.5
194.5 249.3
313.9 361.8
437.5 489.2
683.3 742.7
89.0 117.8
223.7 268.5
312.8 464.4
512.9 664.8
771.0 862.6
2007 2008
2009 2010
2011 2012
2013 2014
2015 2016
Q4 Q3
Q2 Q1
13,2 YoY
Growth
Numbers of EDC
23,690 27,611
33,732 47,127
92,903 180,532
230,352 270,352
286,861
236,711
2007 2008
2009 2010
2011 2012
2013 2014
2015 2016
Volume Mandiri Business Saving Account Rp Tn
3.5 4.8 8.0
17.7 34.7
59.4 85.8
102.3 108.5
120.6
2007 2008
2009 2010
2011 2012
2013 2014
2015 2016
11.1 YoY
Growth
28
Fiesta Point Program
A program to get points based on savings average balance and of transactions through e-channel or branch, so that customer has the
opportunity to earn immediate prizes.
Mandiri Belanja Untung Program
Prizes for buyers who do the transactions in the merchant as a participants, or using Mandiri EDC. For sellers, they have the
opportunity to be included into the national lucky draw.
Belanja Hoki Dagang Hoki Program
Co-promotion with the ITC Group for the merchants and the buyers who transact in ITC using Mandiri Debit and also a reward program
for the building management.
MTB Transaction Volume
201 ,106
212 ,844
261 ,935
265 ,423
272 ,212
290 ,019
306,831 349,868
299,417 322
,587 308
,832 348
,059 267
,195 334
,912 322
,377 382
,104
9,235 10,601
11,385 12,616
12,773 14,068
14,508 16,052
15,996 17,444
17,101 18,373
20,186 20,187
18,974 20,357
- 3,000
6,000 9,000
12,000 15,000
18,000 21,000
- 50,000
100,000 150,000
200,000 250,000
300,000 350,000
400,000 450,000
1 Q
13 2
Q 13
3 Q
13 4
Q 13
1Q 1
4 2Q
1 4
3Q 1
4 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
of Volume of Transactions 000
MIB Transaction Value Users SME Business w Mandiri Acc
543,972 643,334
789,300 845,073
851,069
2012 2013
2014 2015
2016
18 ,528
25, 857
32, 273
42, 582
47 ,304
53 ,124
57 ,447
73 ,666
79 ,970
88 ,013
79 ,173
89 ,389
89 ,906
118 ,389
105 ,781
126 ,857
11,535 13,542 15,312
15,971 17,802 18,216
22,570 24,676
26,441 28,122
27,591 29,040
29,967 40,285
34,251 37,059
1Q 13
2Q 13
3Q 13
4Q 13
1Q 14
2Q 14
3Q 14
4Q 14
1Q 15
2Q 15
3Q 15
4Q 15
1Q 16
2Q 16
3Q 16
4Q 16
Transaction Value Rp Bn of Active Users
Gr oss
NPL s
4. 00
, Coverage
at 12 4.
5, Cat
egory 2 at 3.
13,442 17,501
15,909 15,918
18,838 16,924
14,846 14,292
13,336 12,986
13,944 13,606
15,676 14,856
15,626 16,989
17,672 17,755
19,272 21,586
23,825 22,958
27,116 29,549
28,547 27,078
31,458 30,255
12 .6
14 .9
11 .5
9 .1
9 .5
6 .9
5 .9
5.2 4.5
4.1 4
.3 3
.9 3
.8 3
.9 4
.1 4
.3 5
.1 4
.5 5
.5 5
- 2
,000 4,000
6,000 8,000
10 ,000
12 ,000
14 ,000
16 ,000
18 ,000
20 ,000
22 ,000
24 ,000
26 ,000
28 ,000
30 ,000
32 ,000
34 ,000
4Q05 4Q06
4Q07 4Q08
4Q09 4Q10
1Q11 2Q11
3Q11 4Q11
1Q12 2Q12
3Q12 4Q12
1Q13 2Q13
3Q13 4Q13
1Q14 2Q14
3Q14 4Q14
1Q15 2Q15
3Q15 4Q15
1Q16 2Q16
S p
ec ial
M ent
ion S
p ec
ial M
ent ion
Rat io
NPL Mo vem
en t
- Cons
ol ida
ted
5.14 4.74
4.44 4.73
5.85 4.78
3.79 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
1.90 1.90
2.07 2.23
2.16 2.15
2.27 2.43
2.81 2.60
3.18 3.86
3.81 4.00
116 .0
122 .5
138 .9
127 .1
116 .6
136.1 155.2
206.0
191 .7
192 .4
155 .5
185 .1
185 .1
189 .6
193 .4
185 .5
187 .6
185 .3
170 .3
157 .4
157 .1
150.5 137.7
13 6.2
145 .5
131 .9
112 .7
126 .6
124 .5
1Q 08 2Q 08
3Q 08 4Q 08
1Q 09 2Q 09
3Q 09 4Q 09
1Q 10 2Q 10
3Q 10 4Q 10
1Q11 2Q11
3Q11 4Q11
1Q12 2Q12
3Q12 4Q12
1Q13 2Q13
3Q13 4Q13
1Q14 2Q14
3Q14 4Q14
1Q15 2Q15
3Q15 4Q15
1Q16 2Q16
3Q16 4Q16
Gr os
s NPL
R a
ti o
Pr ovNPL
Ca tegory
2 Loans
30
Non-Performing Loans by Segment Movement by Customer Segment Rp Bn
Non-Performing Loan Movements Rp Tn – Bank-Only
Excluding loans to other banks
20.66
0.54 8.49
0.39 5.36
0.58
23.44
3Q 2016 UG to PL DG to NPL Payment Write-Offs Other
4Q 2016
- 723
2,304 221
6,503 1,205
161 540
960
63 489
458
91 236
436
- 1,000
2,000 3,000
4,000 5,000
6,000 7,000
8,000 9,000
UG to PL DG to NPL
WO Corp
Comm Small
Micro Cons
NPLs 4Q
NPLs Rp tn
Rp tn Corporate
2.33 1.36
