69
Stated in Rp Millions
Series Interest
Rate Marked To
Market
- -
- -
- -
1 VR0021 25-Nov-15
6.23 100,000
690 99.6350
- 99,635
690 2 VR0022
25-Mar-16 5.87
92,844 6,796,813
98.9510 -
91,870 6,796,813
3 VR0023 25-Oct-16
6.20 9,738
4,086,068 99.2110
- 9,661
4,086,068 4 VR0024
25-Feb-17 6.23
- 8,210,550
98.8950 -
- 8,210,550
5 VR0025 25-Sep-17
5.87 65,402
1,145,148 98.4820
- 64,409
1,145,148 6 VR0026
25-Jan-18 6.20
1,379,267 -
98.9540 -
1,364,840 -
7 VR0027 25-Jul-18
6.20 2,005,267
- 98.8900
- 1,983,009
- 8 VR0028
25-Aug-18 6.23
3,571,695 -
98.6550 -
3,523,656 -
9 VR0029 25-Aug-19
6.23 3,856,688
- 98.5560
- 3,800,997
- 10 VR0030
25-Dec-19 5.87
8,016,765 -
98.2310 -
7,874,948 -
11 VR0031 25-Jul-20
6.20 17,614,108
- 98.7110
- 17,387,062
- -
36,711,774 20,239,269
- 36,200,088
20,239,269 -
36,711,774 20,239,269
- 36,200,088
20,239,269 0.00
64.46 35.54
0.00 64.14
35.86 56,951,043
56,439,357 Sub Total
Variable Rate
Grand Total Total Fair Value
Maturity Date
No. Total Trading
Port. Total Available For
Sale Port. Total Held To
Maturity Portfolio Total
Trading Port.
Total Nominal Value Fair Value
Nominal
Sub Total Total Available
For Sale Port. Total
Investment Port.
Fixed Rate
70
Moody’s Mar h Fitch Rating August 2015
Outlook STABLE
LT Issuer Default Rating BBB-
Long Term Rating Baa3
ST Issuer Default Rating F3
Foreign LT Bank Deposits Baa3
Local Currency LT Issuer Default Rating BBB-
Local LT Bank Deposits Baa3
National LT Rating AAAidn
Senior Unsecured Debt WR
National ST Rating F1+idn
Bank Financial Strength D+
Viability Rating bb+
Foreign Currency ST Deposits P-3
Support Rating 2
Local Currency ST Deposits P-3
Support Rating Floor BBB-
Pefindo September 2015 “ta dard Poor’s Nove
er
Outlook STABLE
Outlook STABLE
LT General Obligation idAAA
LT Foreign Issuer Credit BB+
Subordinated Debt idAA+
LT Local Issuer Credit BB+
ST Foreign Issuer Credit B
ST Local Issuer Credit B
71
Dividend Payment
Net Profit for the financial year of 2014 of Rp19,871,873,276,792.60 was distributed as follows:
• 25 or Rp4,967,968,319,198.15 for the annual dividend • Total Dividend Payment of Rp212.91292 per share
Schedule : a. Cum Date:
Regular and Negotiated Market: March 23, 2015
Cash Market: March 26, 2015
b. Ex Date: Regular and Negotiated Market:
March 24, 2015 Cash Market:
March 27, 2015 c. Recording Date:
March 26, 2015 d. Payment Date:
April 17, 2015 Net Profit for the financial year of 2013 of Rp18,203,753,301,421.70
was distributed as follows: • 30 or Rp5,461,125,990,426.51 for the annual dividend
• Total Dividend Payment of Rp234.04825 per share
72
460 ,731
7,338 4,763
212 45
1,666 6,946
466 ,600
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
25 ,064
7,338 4,763
3,511 116
657 445
24 ,032
Beg. Bal. Cat. 1 DG UG to 1 DG to
NPL NPL UG
Net Collection
FX Impact End Bal.
73
Loan Profile: 3Q Collectability by Segment Bank Only
96.7 91.9
88.5 88.9
90.6 1.6
5.6 9.5
7.4 5.5
0.5 0.5
0.7 0.5
0.6 1.3
1.0 1.9
2.6
Corp Comm
Cons Micro
Small
5 4
3 2
1
179,673
137,379
61,533 35,571
52,444
8,328
6,602
2,945 3,182
1,991
665
764 1,482
10,000 20,000
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
Corp Comm
Cons Micro
Small Loan Profile: 3Q Collectability Rp bn by Segment
Bank Only
10 20
30 40
50 60
70 Curr
e n
t 30
Day s O
D
NPL Loan Det ai
l: Qua
rterl y
by Day
s Past Due
Quart erl
y DG
to N
P L
In ter
es t
DP D
- B
an k
O n
ly
11,161 6,901
1,177 4,106
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
379 545
796 353
562 524
729 499
439 1,529
889 2,291
2,640
2 ,000
4 ,000
6 ,000
8 ,000
10 ,000
12 ,000
Q1 05 Q2 05
Q3 05 Q4 05
Q1 06 Q2 06
Q3 06 Q4 06
Q1 07 Q2 07
Q3 07 Q4 07
Q1 08 Q2 08
Q3 08 Q4 08
Q1 09 Q2 09
Q3 09 Q4 09
Q1 10 Q2 10
Q3 10 Q410
Q111 Q211
Q311 Q411
Q112 Q212
Q312 Q412
Q113 Q213
Q313 Q413
Q114 Q214
Q314 Q414
Q115 Q215
Q315
Rp Bn
Va lu
e
Quart erl
y N
P L
St ock
In ter
es t
DP D
- B
an k On
ly
17,456 24,962
24,193 26,248
26,424 25,665
25,414 17,960
17,180 16,500
13,603 10,654
6,558 6,510
6,586 7,833
9,678 7,700
6,099 4,505
3,589 3,668
3,985 3,929
4,301 4,261
4,983 4,805
4,927 4,643
4,644 4.496
4,812 4,863
5,006 4,965
5,294 5,351
5,266 5,598
5 ,000
10 ,000
15 ,000
20 ,000
25 ,000
30 ,000
Q1 05 Q2 05
Q3 05 Q4 05
Q1 06 Q2 06
Q3 06 Q4 06
Q1 07 Q2 07
Q3 07 Q4 07
Q1 08 Q2 08
Q3 08 Q4 08
Q1 09 Q2 09
Q3 09 Q4 09
Q1 10 Q2 10
Q3 10 Q410
Q111 Q211
Q311 Q411
Q112 Q212
Q312 Q412
Q113 Q213
Q313 Q413
Q114 Q214
Q314 Q414
Rp Bn
Va lu
e
Ex cl
u d
in g
M ic
ro Con
su mer
Loa n
s On
ly
10 20
30 40
50 60
70 Curr
e n
t 30
Day s O
D
75
19 ,427
20 ,914
20 ,645
16 ,560
17 ,104
16 ,04
6 15
,271 16
,278 15
,334 14
,131 13
,646 13
,546 13
,534 14
,236 14
,170 13
,957 11
,671 11
,689 11
,945 12
,503 12
,436 12
,43 6
11 ,206
9 ,853
10 ,371
13 ,009
20 ,068
24 ,525
2005 A d
d D
e d
uc t
2006 A d
d D
e d
uc t
2007 A d
d D
e d
uc t
2008 A d
d D
e d
uc t
2009 A d
d D
e d
uc t
Q 1
10 A
d d
D e
d uc
t Q
2 10
A d
d D
e d
uc t
Q 3
10 A
d d
D e
d uc
t Q
4 10
A d
d D
e d
uc t
Q 1
11 A
d d
D e
d uc
t Q
2 11
A d
d D
e d
uc t
Q 3
11 A
d d
D e
d uc
t Q
4 11
A d
d D
e d
uc t
Q 1
12 A
d d
D e
d uc
t Q
2 12
A d
d D
e d
uc t
Q 3
12 A
d d
D e
d uc
t Q
4 12
A d
d D
e d
uc t
Q 1
13 A
d d
D e
d uc
t Q
2 13
A d
d D
e d
uc t
Q3 1
3 A
d d
D e
d uc
t Q
4 13
A d
d D
e d
uc t
Q 1
14 A
d d
D e
d uc
t Q
2 14
A d
d D
e d
uc t
Q 3
14 A
d d
D e
d uc
t Q
4 14
A d
d D
e d
uc t
Q 1
15 A
d d
D e
d uc
t Q
2 15
A d
d D
e d
uc t
Q 3
15 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 3Q 2015
Maturity extension;
82.7
Maturity extension
wreduced rates; 0.2
Maturity extension
wother restrg;
15.6 LT loans
wconvert; 1.9
Additional loans; 0.1
Other Restructuring includes reduction of interest rates, rescheduling of unpaid interest extension of repayment period for unpaid interest
Restructured Loan Movement 2002 - 3Q2015
Rp billions Q
Q2 Q3
Q Q
Q Q
Loans Restructured
235 555
44 64
3,159 6,902
4,850 NPL
Collections 120
180 524
195 94
140 268
76
Manufacturing 11
F B
Ma n
u fact
u ri
n g
7 Ot
h e
r Mi
n in
g 3
Plantations Business Services
Manufacturing Distribution Trading
FB Manufacturing Chemical Manufacturing
Retail Trading Others
Construction Transportation
Other Trading Raw Material Manufacturing
Oil Gas Mining Utilities
Other Mining
1 Non-consolidated numbers Each sector 3
Excluding Micro Consumer Loans Only
77
Mandiri Credit Card Delinquency Rates
75.60 87.50
62.63 62.02
59.10 61.34
49.60 46.43 45.90
56.62 69.65
69.95 81.62
93.39 87.89
95.84 105.82
104.78 98.85 100.19
106.07 111.79
137.08 129.94
130.32 128.46
143.26 152.42
178.54 216.81
288.20 329.13
313.89
32.6 40.8
37.1 45.7
57.3 53.5
63.0 65.6
65.5 63.8
61.5 59.2
64.9 66.5
67.7 82.8 79.9
84.6 88.4
93.0 110.7
138.1 177.3
212.6
6.9 8.8 13.9 14.5 17.6 16.9
24.4 23.6
36.0 25.5
13.1 12.5
15.0 15.4
17.9 19.7
23.9 23.4
28.1 29.3
29.5 28.4
29.4 30.2
35.8 35.9
38.2 43.1
4 Q
05 4
Q 06
1 Q
07 2
Q 07
3 Q
07 4
Q 07
1 Q
08 2Q
08 3
Q 08
4 Q
08 1
Q 09
2 Q
09 3
Q 09
4 Q
09 1
Q 10
2 Q
10 3
Q 10
4 Q
10 1
Q 11
2 Q
11 3
Q 11
4 Q
11 1
Q 12
2Q 12
3 Q
12 4
Q 12
1 Q
13 2
Q 13
3 Q
13 4
Q 13
1 Q
14 2
Q 14
3 Q
14 4
Q 14
1 Q
15 2
Q 15
3 Q
15 NPLs 90+DPD
Write-Offs Recoveries
Quarterly Charge-offs, NPLs Recoveries Rp Bn
10.2 11.7
8.8
6.7 5.4
4.2 5.2
4.8 5.35.2
5.7 5.4
5.1 4.7
5.0 4.8
4.6 5.0
5.2 4.8
4.7 4.8
5.1 4.6
4.9 5.7
6.86.8 6.7
5.3 4.3
3.5 2.8
2.2 2.5
2.5 2.7 2.6
2.7 3.02.8
2.6 2.3
2.4 2.4
2.2 2.7
2.5 2.5
2.6 2.2
2.6 3.5
3.8 3.6
5.0 4.8
3.9 3.3
2.4 2.4 2.22.2
2.1 2.2
2.2 2.3
2.22.2 2.2
2.4 2.4
2.5 2.8
3.0 2.9
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 1.0
1.0 1.1 1.1
1.21.3 1.2
1.2 1.2
1.5 1.6
1.6
4 Q
05 4
Q 06
1 Q
07 2
Q 07
3Q 07
4 Q
07 1
Q 08
2 Q
08 3
Q 08
4 Q
08 1
Q 09
2 Q
09 3
Q 09
4 Q
09 1
Q 10
2 Q
10 3
Q 10
4 Q
10 1
Q 11
2 Q
11 3Q11 4
Q 11
1 Q
12 2
Q 12
3 Q
12 4
Q 12
1 Q
13 2
Q 13
3 Q
13 4
Q 13
1 Q
14 2
Q 14
3 Q
14 4
Q 14
1 Q
15 2
Q 15
3Q15 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 28,518
30,762 30,830
31,721 32,905
33,982 34,089
34,442 34,475
34,696 34,954
35,010 35,503
2001 2002
2003 2004
2005 2006
2007 2008
2009 1Q10
2Q10 3Q10
4Q10 1Q11
2Q11 3Q11
4Q11 1Q12
2Q12 3Q12
4Q12 1Q13
2Q13 3Q13
4Q13 1Q14
2Q14 3Q14
4Q14 1Q15
2Q15 3Q15
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 1,733
1,810 1,811
1,835 1,909
2,050 2,061
2,087 2,154
2,312 2,317
2,327 2,380
2001 2002
2003 2004
2005 2006
2007 2008
2009 1Q10
2Q10 3Q10
4Q10 1Q11
2Q11 3Q11
4Q11 1Q12
2Q12 3Q12
4Q12 1Q13
2Q13 3Q13
4Q13 1Q14
2Q14 3Q14
4Q14 1Q15
2Q15 3Q15
Em p
lo yee
s
Do m
es ti
c B
ran ch
N e
tw or
k A
TM N
e tw
or k
A TM
-Li n
k N
e tw
or k
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 10,466
10,985 10,985
11,454 11,454
11,514 11,514
11,604 13,309
15,344 15,444
17,032 17,341
2001 2002
2003 2004
2005 2006
2007 2008
2009 1Q10
2Q10 3Q10
4Q10 1Q11
2Q11 3Q11
4Q11 1Q12
2Q12 3Q12
4Q12 1Q13
2Q13 3Q13
4Q13 1Q14
2Q14 3Q14
4Q14 1Q15
2Q15 3Q15
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 31,139
35,300 35,395
36,123 38,432
39,854 40,248
44,239 45,771
47,323 49,107
50,706 53,895
2001 2002
2003 2004
2005 2006
2007 2008
2009 1Q10
2Q10 3Q10
4Q10 1Q11
2Q11 3Q11
4Q11 1Q12
2Q12 3Q12
4Q12 1Q13
2Q13 3Q13
4Q13 1Q14
2Q14 3Q14
4Q14 1Q15
2Q15 3Q15
79
3 4
5
Current 31-60 Days
61-90 Days 90 Days
Mfg-PP Trad-Distr
Trad-Ret Mass Trans
Others Trad-Dom
Mfg-RawM Mfg-Metal
Agri
FX RP
Export Invest
Program WC
Corp Comm
Small
10 20
30 40
50 60
70 80
90 100
Collect. Int. Aging
Sector Currency
Purpose Segment
Loan Profile:3Q NPL Downgrades Only Rp 2,640 Bn Bank Only
Corporate, Commercial Small Business loans downgraded to NPL in
3Q totaled Rp 2,640 Bn. Of these loans:
86.5 were more than 90 days overdue on interest payments
45.9 came from our Commercial
Portfolio
Largest downgrades by sector:
Pulp Paper Manufacturing
Trading Distributions
Retail Trading
100 were IDR loans
71.6 were Working Capital
loans, 28.2 were Investment Loans
Excluding Micro Consumer Loans Only
80
3 4
5
Current 30 Days
31-60 Days 61-90 Days
90 Days
Trad-Distr Trad-Ret
Mfg-Chem Mfg-PP
Trad-Dom Mass Trans
Mfg-FB Mining-Coal
Mfg-Text Bus Serv
Others Electricity
Mfg-Oth
FX RP
Consumer Export
Invest Syndication
WC
Corp Comm
Small
10 20
30 40
50 60
70 80
90 100
Collect. Int. Aging
Sector Currency
Purpose Segment
Loan Profile:3Q Non-Performing Loans Only Rp 9,273 Bn Bank Only
22.5 remain current on interest
payments and an additional 10.8 are less than 90 days overdue
34.4 are to Corporate customers
62.3 are Working Capital loans and
28.1 are Investment loans
Primary sectors are:
Trading Distributions
Retail Trading
Chemical Manufacturing
Pulp Paper Manufacturing
74.9 are Rp loans
25.9 are Cat. 3 24.9 are Cat. 4
Corporate, Commercial Small Business NPLs totaled Rp 9,273 Bn in 3Q.
Of these NPLs in 3Q:
Excluding Micro Consumer Loans Only
81
Corp Comm
Small
Current 1 Day
30 Days 31-60 Days
61+ Days
Trad-Distr Trad-Ret
Mfg-RawM Mfg-PP
Others Mfg-Chem
Trans Agri
Bus Serv Trad-Imp
Mfg-Text Trad-Dom
FX RP
Export Invest
WC
2000-2004 2004
10 20
30 40
50 60
70 80
90 100
Segment Days Aging
Sector Currency
Purpose Origin Year
Loan Profile: 3Q Downgrades to Cat 2 Only Rp 4,105 Bn Bank Only
Rp4,105 Bn in Corporate, Commercial Small Business loans were downgraded
to Category 2 in 3Q. Of the Special Mention Loans downgraded:
38.6 are to Small Business
customers 61.4 are for Commercial
28.7 are current 47.0 are less
than 30 days overdue in interest payments
Primary sectors downgraded are:
Trading Distributions
Retail Trading
Raw Material Manufacturing
Pulp Paper Manufacturing
97.4 are RP loans
84.8 are Working Capital loans
Excluding Micro Consumer Loans Only
82
Corp Comm
Small
Current 1 Day
30 Days 31-60 Days
61- 90 Days
Trad-Distr Mfg-Text
Mfg-Metal Trad-Ret
Mass Trans Mfg-Chem
Others Constr
Mfg-RawM Agri
Mfg-PP Mining
Bus Serv
FX RP
Export Invest
Program WC
2000-2004 2004
10 20
30 40
50 60
70 80
90 100
Segment Days Aging
Sector Currency
Purpose Origin Year
Loan Profile: 3Q Category 2 Loans Only Rp 14,485 Bn Bank Only
Rp 14,485 Bn in Corporate, Commercial Small Business loans were in
Category 2 in 3Q. Of these Special Mention loans:
57.5 are to Commercial customers
43.2 are current or 1 day
overdue, with an additional 31.8 less than 30 days overdue
Primary sectors in Category 2 are:
Trading Distribution
Textile Manufacturing
Metal Manufacturing
78.6 are Rp loans
68.2 are Working Capital loans
68.6 were Category 2 in Q2 15
Excluding Micro Consumer Loans Only
83
1 2
Small
Trad-Ret Trad-Distr
Mass Trans Mfg-Chem
Bus Serv Mfg-Text
Others Constr
Soc Serv Trad-HR
Trad-Dom
RP
Invest WC
2004 2000-2004
10 20
30 40
50 60
70 80
90 100
Collect. Segment
Sector Currency
Purpose Origin Year
Loan Profile: 3Q Upgrades to PL Rp 62.089 Bn Bank Only
Corporate, Commercial Small Business loans upgraded to PL in 3Q
totaled Rp 62.089 Bn. Of these loans:
100 were to Small Business
customers
95.1 originated later than 2004
Largest upgrades by sector:
Trading Distributions
Retail Trading
Mass Transportations
100 were Rp loans
87.9 were Working Capital loans;
12.1 were Investment loans
Excluding Micro Consumer Loans Only
84
1 2
Corp Comm
Small
Plantations Bus Serv
Trad-Distr
Mfg-FB
Mining Mfg-Chem
Trad-Ret Mfg-Oth
Others
Constr Trans
Mfg-RawM Trad-Oth
Mfg-Metal Utilities
FX RP
Consumer Export
Invest Program
Syndication WC
2000-2004 2004
10 20
30 40
50 60
70 80
90 100
Collect. Segment
Sector Currency
Purpose Origin Year
Loan Profile: 3Q Performing Loans Only Rp 383,982 bn Bank Only
Rp 383,982 Bn in Corporate Commercial Small Business loans were performing
in 3Q. Of these performing loans:
47.6 are to Corporate customers 37.9 are to Commercial customers
95.7 originated since 2005
Primary sectors are:
Plantations
Business Services
Trading Distributions
80.1 are Rupiah loans
48.9 are Working Capital loans;
36.7 are Investment loans
Excluding Micro Consumer Loans Only
1 2
3 4
5
Current 30 Days
31-60 Days 61-90 Days
90 Days
Mfg-Chem Mfg-Text
Mfg-Metal Trad-Imp
Mining-Coal Others
Trad-Distr Mass Trans
Mfg-PP Mfg-FB
Mining-Oil Gas
Constr Agri
FX RP
Export Investment
Syndication WC
Corp Comm
Small
10 20
30 40
50 60
70 80
90 100
Collect. Int Aging
Sector Currency
Purpose Segment
85
Loan Profile: 3Q Restructured Loans Only Rp24,525 bn Bank Only
Of the remaining Rp 24,525 billion in restructured Corporate, Commercial
Small Business loans in 3Q :
82.8 are Performing
70.6 of Restructured Loans are
current in interest payments
Primary sectors are:
Chemical Manufacturing
Textile Manufacturing
Metal Manufacturing
51.2 are Rp loans
51.7 are Working Capital
57.7 are to Commercial customers
12.2 deteriorated in collectability
Excluding Micro Consumer Loans Only
86
98.2 are performing loans, with
1.6 in Category 2
51.5 of Category 2 loans are
current in interest payments
Primary sectors in Corporate are:
Plantations
Business Services
Food Beverages
Manufacturing
69.6 are Rupiah loans
45.9 are Investment loans; 34.7
are Working Capital loans
Loan Profile: 3Q Corporate Loans Only Rp 185,839 bn Bank Only
Rp 185,839 billion in loans were in the Corporate portfolio in 3Q. Of the
Corporate Loans in 3Q :
1 2
5
Current 30 Days
Plantations Bus Serv
Mfg-FB Mining
Trading Others
Mfg-Chem Mfg-Oth
Constr Electricity
Comm Trans Mfg-Metal
FX RP
Export Invest
Syndication WC
2000-2004 2004
10 20
30 40
50 60
70 80
90 100
Collect. Cat. 2 Int. Aging Sector Currency
Purpose Origin Year
87
1 2
5
Current 30 Days
31-60 Days
Mfg Bus Serv
Trad-Distr Mfg-Chem
Trading Plantations
Mfg-RawM Mass Trans
Mining Constr
Others
FX RP
Consumer Export
Invest Syndication
WC
2000-2004 2004
10 20
30 40
50 60
70 80
90 100
Collect. Cat. 2 Int. Aging Sector Currency
Purpose Origin Year
97.5 are performing loans, with
5.6 in Category 2
48.2 of Category 2 loans are
current in interest payments
Primary sectors in Commercial are:
Business Services
Trading Distribution
Chemical Manufacturing
85.5 are Rupiah loans
58.5 are Working Capital
loans, 32.2 are Investment loans
Loan Profile: 3Q Commercial Loans Only Rp 149,510 bn Bank Only
Rp149,510 billion in loans were in the Commercial portfolio in 3Q. Of the
Commercial Loans in 3Q:
88
1 2
4 5
Current 30 Days
31-60 Days 61+ Days
Trad-Ret Trad-Distr
Plantations Bus Serv
Household Equip.
Others Mfg
Constr Soc Serv
Trad-Dom
FX RP
Consumer Export
Invest Program
WC
2000-2004 2004
10 20
30 40
50 60
70 80
90 100
Collect. Cat. 2 Int. Aging Sector Currency
Purpose Origin Year
96.1 are performing loans, with
5.5 in Category 2
21.9 of Category 2 loans are
current in interest payments
Primary sectors in Small Business
are:
Retail Trading
Distribution Trading
Plantations
99.4 are Rupiah loans
72.0 are Working Capital loans
Loan Profile: 2Q Small Business Loans Only Rp 57,904 Bn Bank Only
Rp 57,904 Bn in loans were in the Small Business portfolio in 3Q of the Small
Business Loans in 3Q:
89
1 2
5
Current 30 Days
61+ Days
Plantations Bus Serv
Trad-Distr Mfg-FB
Trad-Ret Mfg-Oth
Others Constr
Mfg-Chem Trans
Mfg-RawM Trad-Oth
Electricity Mfg-Metal
Corp Comm
Small
Consumer Export
Invest Syndication
WC
2000 2000-2004
2004
10 20
30 40
50 60
70 80
90 100
Collect. Cat. 2 Int. Aging Sector Segment
Purpose Origin Year
97.8 are performing loans, with
3.6 in Category 2
39.4 of Category 2 loans are
current in interest payments
Primary sectors in Rupiah loans are:
Plantations
Business Services
Trading Distribution
41.1 are Corporate loans
55.0 are Working Capital
loans, 34.8 Investment loans
Loan Profile: 3Q Rupiah Loans Only Rp314,735 Bn Bank Only
Rp 314,735 billion in loans were Rupiah denominated in 3Q Of the Rupiah
Loans in 3Q:
Excluding Micro Consumer Loans Only
90
1 2
5
Current 30 Days
Mining-Oil Gas
Others Mining-Oth
Bus Serv Trading
Trans
Agri
Corp Comm
Small
Export Invest
Syndication WC
2000-2004 2004
Mfg 10
20 30
40 50
60 70
80 90
100
Collect. Cat. 2 Int. Aging Sector Segment
Purpose Origin Year
97.3 are performing loans
57.0 of Category 2 loans are
current in interest payments
Primary sectors in FX loans are:
Manufacturing
Oil Gas Mining
72.1 are Corporate loans
43.6 are Investment loans ; 25.9
are Working Capital loans
Loan Profile: 3Q FX Loans Only Rp78,520 bn Bank Only
Rp78,520 Bn in loans were FX denominated in 2Q.
Of the FX Loans in 2Q:
Excluding Micro Consumer Loans Only
Loan growth, qual it
y provi
si oni
n g
rel at
ive t o
peers
Bank Onl y,
As of June
2015
293 168
142 139
96 96
95 73
50 30
BCA Mandiri
BRI BNI
Panin CIMB Niaga
Danamon Permata
BII BTN
R a
ti o
of P
rovi si
ons to NP
L
503,606 495,767
347,100 271,955
175,211 129,453
126,125 113,701
108,035 99,655
BRI Mandiri
BCA BNI
CIMB Niaga Permata
BTN Panin
Danamon BII
Tot al
Loans Rp
bn
18.3 15.2
