DERIVATIVE RECEIVABLES AND PAYABLES
12. LOANS AND SHARIA FINANCINGRECEIVABLES continued
A. Details of loans and sharia financingreceivables continued: b.1 By type continued: December 31, 2014 Non-impaired Impaired Total Rupiah: Working capital 181,634,846 10,896,067 192,530,913 Investment 117,352,314 3,878,429 121,230,743 Consumer 105,920,129 2,534,914 108,455,043 Syndicated 10,535,032 171,817 10,706,849 Export 8,383,443 454,331 8,837,774 Employees 1,388,904 7,194 1,396,098 Government program 1,097,564 180,753 1,278,317 Total 426,312,232 18,123,505 444,435,737 Foreign currencies: Working capital 21,077,580 1,788,591 22,866,171 Investment 22,776,225 3,610,070 26,386,295 Consumer 444,186 2,968 447,154 Syndicated 14,951,884 51,518 15,003,402 Export 13,130,837 831,386 13,962,223 Employees 835 - 835 Total Note 61B.v 72,381,547 6,284,533 78,666,080 498,693,779 24,408,038 1 523,101,817 Less: allowance for impairment losses 4,907,064 12,799,883 2 17,706,947 Net 493,786,715 11,608,155 3 505,394,870 Included in “impaired portfolio” are i loans classified as sub-standard, doubtful and loss non-performing loans in accordance with Bank Indonesia regulation, ii all restructured loans over Rp5,000 Note 2c.G.a. Including loan of Subsidiary engaged in sharia banking in which allowance for impairment losses is calculated based on Bank Indonesia Regulation and SFAS No. 102 revised 2013. 1 Loans evaluated by using individual and collective assessment are amounting to Rp14,703,940 and Rp9,704,098, respectively. 2 Allowance for impairment losses calculated by using individual and collective assessment are amounting to Rp9,744,022 and Rp3,055,861, respectively. 3 Loans - net evaluated by using individual and collective assessment are amounting to Rp4,959,918 and Rp6,648,237, respectively. PT BANK MANDIRI PERSERO Tbk. AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS As of December 31, 2015 and for the year then ended Expressed in millions of Rupiah, unless otherwise stated 9512. LOANS AND SHARIA FINANCINGRECEIVABLES continued
A. Details of loans and sharia financingreceivables continued:b.2 By type and Bank Indonesia’s collectibility:
December 31, 2015 Special Sub- Current mention standard Doubtful Loss Total Rupiah: Working capital 205,509,646 9,563,744 1,596,981 1,070,148 5,885,328 223,625,847 Investment 120,452,660 4,927,420 580,394 198,996 1,901,395 128,060,865 Consumer 104,952,575 6,789,491 465,328 585,609 1,003,725 113,796,728 Syndicated 12,599,908 343,794 254,541 - - 13,198,243 Export 10,592,324 120,717 99,730 20,000 19,729 10,852,500 Employees 3,808,837 240,478 21,547 1,980 3,769 4,076,611 Government program 753,864 54,785 23,152 26,169 53,390 911,360 Total 458,669,814 22,040,429 3,041,673 1,902,902 8,867,336 494,522,154 Foreign currencies: Working capital 30,726,925 2,750,266 - 228,557 90 33,705,838 Investment 32,818,873 1,430,134 138,091 286,516 200,974 34,874,588 Consumer 278,873 - - - - 278,873 Syndicated 12,936,393 191,008 72 - 51,465 13,178,938 Export 9,321,662 133,000 46,621 61,468 551,558 10,114,309 Employees 737 - - - - 737 Total Note 61B.v 86,083,463 4,504,408 184,784 576,541 804,087 92,153,283 544,753,277 26,544,837 3,226,457 2,479,443 9,671,423 586,675,437 Less: allowance for impairment losses 5,868,080 6,319,154 1,281,970 1,464,641 7,347,997 22,281,842 Net 538,885,197 20,225,683 1,944,487 1,014,802 2,323,426 564,393,595 December 31, 2014 Special Sub- Current mention standard Doubtful Loss Total Rupiah: Working capital 178,822,876 8,314,895 527,009 1,091,670 3,774,463 192,530,913 Investment 115,508,532 3,935,983 395,608 595,912 794,708 121,230,743 Consumer 98,587,033 7,561,556 513,800 457,239 1,335,415 108,455,043 Syndicated 10,469,284 117,791 119,774 - - 10,706,849 Export 8,799,234 28,099 - - 10,441 8,837,774 Employees 1,381,539 7,367 1,588 788 4,816 1,396,098 Government program 946,548 151,015 45,556 25,787 109,411 1,278,317 Total 414,515,046 20,116,706 1,603,335 2,171,396 6,029,254 444,435,737 Foreign currencies: Working capital 21,146,429 1,388,627 205,345 204 125,566 22,866,171 Investment 24,969,244 834,375 321,873 - 260,803 26,386,295 Consumer 443,786 400 - - 2,968 447,154 Syndicated 14,772,676 179,208 64 - 51,454 15,003,402 Export 13,393,718 42,934 61,535 - 464,036 13,962,223 Employees 835 - - - - 835 Total Note 61B.v 74,726,688 2,445,544 588,817 204 904,827 78,666,080 489,241,734 22,562,250 2,192,152 2,171,600 6,934,081 523,101,817 Less: allowance for impairment losses 5,450,341 5,148,344 816,739 1,411,310 4,880,213 17,706,947 Net 483,791,393 17,413,906 1,375,413 760,290 2,053,868 505,394,870Parts
» Bank Mandiri Tbk Eng 31 Des 2015 Released
» Merger GENERAL INFORMATION a. Establishment
» Recapitalisation GENERAL INFORMATION continued b. Merger continued
» Divestment of Government Share Ownership
» GENERAL INFORMATION continued g. Subsidiaries associates
» GENERAL INFORMATION continued g. Subsidiaries associates continued
» GENERAL INFORMATION continued g. Subsidiaries and Associates continued
» Structure and Management GENERAL INFORMATION continued g. Subsidiaries and Associates continued
» GENERAL INFORMATION continued h. Structure and management continued
» Basis of Preparation of the Consolidated Financial Statements
» Financial assets Changes in accounting policies
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued c. Financial instruments continued
» Foreign currency transactions and balances
» Transactions with related parties
» Current accounts with Bank Indonesia and other banks
» Placements with Bank Indonesia and other banks
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Securities purchasedsold under resalerepurchase agreements
» Derivative receivables and derivative payables
» Loans and sharia receivablesfinancing
» Consumer financing receivables SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued l.
» Net investment in lease financing
» Fixed assets and software continued
» Allowance for possible losses on non-earning assets
» Acceptance receivables and payables
» Other assets SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued s. Investments in shares
» 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 ah. Fees and commissions income
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued ai. Employee benefits continued
» Pension programs Insurance liabilities on insurance contracts
» Deferred tax assets Depreciation and estimated useful life of fixed assets
» Impairment of non-financial assets
» CURRENT ACCOUNTS WITH BANK INDONESIA December 31, December 31,
» CURRENT ACCOUNTS WITH BANK INDONESIA continued
» CURRENT ACCOUNTS WITH OTHER BANKS
» CURRENT ACCOUNTS WITH OTHER BANKS continued
» PLACEMENTS WITH BANK INDONESIA AND OTHER BANKS continued
» MARKETABLE SECURITIES MARKETABLE SECURITIES continued
» MARKETABLE SECURITIES continued Bank Mandiri Tbk Eng 31 Des 2015 Released
» MARKETABLE SECURITIES continued MARKETABLE SECURITIES continued
» MARKETABLE SECURITIES continued GOVERNMENT BONDS
» GOVERNMENT BONDS continued Bank Mandiri Tbk Eng 31 Des 2015 Released
» 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 FINANCINGRECEIVABLES continued
» 2 By type and Bank Indonesia’s collectibility:
» CONSUMER FINANCING RECEIVABLES continued
» NET INVESTMENT FINANCE LEASES
» NET INVESTMENT IN FINANCE LEASE continued ACCEPTANCES RECEIVABLE
» ACCEPTANCES RECEIVABLE continued Bank Mandiri Tbk Eng 31 Des 2015 Released
» INVESTMENT IN SHARES continued
» FIXED ASSETS Bank Mandiri Tbk Eng 31 Des 2015 Released
» FIXED ASSETS continued Bank Mandiri Tbk Eng 31 Des 2015 Released
» 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-LINKED HOLDERS
» LIABILITY TO UNIT-LINKED HOLDERS continued
» LIABILITY TO UNIT-LINKED HOLDERScontinued
» SECURITIES SOLD UNDER REPURCHASE AGREEMENTS
» ACCEPTANCES PAYABLE Bank Mandiri Tbk Eng 31 Des 2015 Released
» MARKETABLE SECURITIES ISSUED Bank Mandiri Tbk Eng 31 Des 2015 Released
» MARKETABLE SECURITIES ISSUED continued Bonds continued
» MARKETABLE SECURITIES ISSUED continued Subordinated Notes Sharia Mudharabah
» MARKETABLE SECURITIES ISSUED continued
» Prepaid taxes December 31, December 31,
» TAXATION continued b. Taxes payable
» TAXATION continued d. Tax expense - current
» TAXATION continued d. Tax expense - current continued
» Tax on fixed assets revaluation
» Tax collection letter Fiscal year 2014
» EMPLOYEE BENEFIT LIABILITIES December 31, December 31,
» OTHER LIABILITIES continued Bank Mandiri Tbk Eng 31 Des 2015 Released
» FUND BORROWINGS continued December 31, December 31, FUND BORROWINGS continued
» FUND BORROWINGS continued Bank Mandiri Tbk Eng 31 Des 2015 Released
» FUND BORROWINGS continued FUND BORROWINGS continued
» SUBORDINATED LOANS continued December 31, December 31,
» SUBORDINATED LOANS continued Two-Step Loans TSL continued TEMPORARY SYIRKAH FUNDS
» TEMPORARY SYIRKAH FUNDS continued
» Authorised, Issued and Fully Paid Capital
» SHARE CAPITAL continued a. Authorised, Issued and Fully Paid Capital continued
» SHARE CAPITALcontinued a. Authorised, Issued and Fully Paid-in Capital continued
» Additional Paid-In CapitalShare Premium
» SHARE CAPITALcontinued c. Distribution of Net Income continued
» INTEREST EXPENSE AND SHARIA EXPENSE
» OTHER OPERATING INCOME - OTHERS For the year ended December 31,
» PROVISION FOR REVERSAL OF POSSIBLE LOSSES For the year ended December 31,
» SALARIES AND EMPLOYEE BENEFITS For the year ended December 31,
» GENERAL AND ADMINISTRATIVE EXPENSES For the year ended December 31, EMPLOYEE BENEFITS
» EMPLOYEE BENEFITS continued Pension Plan
» EMPLOYEE BENEFITS continued Bank Mandiri Tbk Eng 31 Des 2015 Released
» EMPLOYEE BENEFITS continued EMPLOYEE BENEFITS continued
» EMPLOYEE BENEFITS continued Labor Law No. 132003
» OTHER OPERATING EXPENSES - OTHERS - NET For the year ended December 31,
» COMMITMENTS AND CONTINGENCIES Bank Mandiri Tbk Eng 31 Des 2015 Released
» FOREIGN CURRENCY TRANSACTIONS RELATED PARTY TRANSACTIONS
» RELATED PARTY TRANSACTIONS continued
» Liabilities RELATED PARTY TRANSACTIONS continued
» Temporary Syirkah Funds Note 38
» SEGMENT INFORMATION Bank Mandiri Tbk Eng 31 Des 2015 Released
» SEGMENT INFORMATION continued Bank Mandiri Tbk Eng 31 Des 2015 Released
» CAPITAL ADEQUACY RATIO Bank Mandiri Tbk Eng 31 Des 2015 Released
» CAPITAL ADEQUACY RATIO continued
» CUSTODIAL SERVICES AND TRUST OPERATIONS continued
» CHANNELING LOANS Bank Mandiri Tbk Eng 31 Des 2015 Released
» CHANNELING LOANS continued RISK MANAGEMENT
» RISK MANAGEMENT continued Bank Mandiri Tbk Eng 31 Des 2015 Released
» RISK MANAGEMENT continued RISK MANAGEMENT continued
» Legal matters RISK MANAGEMENT continued
» Trade Financing with Asian Development Bank ADB
» NEW FINANCIAL ACCOUNTING STANDARDS AND INTERPRETATION
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