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
194
56. SEGMENT INFORMATION continued
The following describes the operation in each of reportable segments as of December 31, 2014: •
Corporate : includes loans, deposits and other transactions by corporate
customers. •
Commercial and Business : includes loans, deposits and other transactions by commercial
and business banking customers small to medium size. •
Micro and Retail : focuses on products and services for individual customers in
micro and retail segments. It includes loans, deposits, payment transactions and other transactions by retail customers.
• Consumer
: represents consumer financing business including housing loan, credit cards and other transactions by consumer customers.
• Treasury, Financial
Institution and Special Assets Management SAM
: treasury undertakes treasury activities which include foreign exchange, money market, and fixed income business. Financial
institution undertakes international business banking, capital market and Cayman islands branch. SAM activities include non
performing loan and abandoned properties management.
• Institutional Banking
: focuses on handling deposits and other transactions with government related entities, which are not undertaken by other
segments. •
Head Office : mainly manages Group’s assets and liabilities that are not
managed by other segments, act as cost centre for providing central shared services to other segments and absorb costs that
are not allocated to other segments. •
Subsidiary - Sharia : includes all transactions undertaken by a Subsidiary engaged in
sharia banking. •
Subsidiaries - Insurance : includes all transactions undertaken by a Subsidiary engaged in
life and general insurance. •
Subsidiary - other than Sharia and insurance
: includes all transactions undertaken by Subsidiaries engaged in consumer financing, remittances, securities and banking.
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
195
56. SEGMENT INFORMATION continued
December 31, 2015
Account Corporate Commercial
Micro and Business
Consumer individual
Treasury Market
Head Offce
Subsidiary - Sharia
Subsidiary - Insurance
Subsidiaries - other than
Sharia and insurance
Adjustment and
elimination Total
Consolidated statement of profit or loss and other
comprehensive income
Interest and sharia income 22,961,047 18,087,354 22,221,773 24,911,778
6,699,416 5,619,767
5,960,017 563,883
1,980,047 37,434,955 71,570,127
Interest and sharia expense 15,602,692 11,044,146 10,299,032 13,251,341
3,075,044 2,319,080
2,438,224 -
834,364 32,656,899 26,207,024
Net interest and sharia income 7,358,355
7,043,208 11,922,741
11,660,437 3,624,372
3,300,687 3,521,793
563,883 1,145,683
4,778,056 45,363,103
Net premium income -
- -
- -
- -
3,137,070 -
- 3,137,070
Net interest and sharia and premium income
7,358,355 7,043,208
11,922,741 11,660,437
3,624,372 3,300,687
3,521,793 3,700,953
1,145,683 4,778,056
48,500,173 Other operating income:
Other fees and commission 1,473,053
1,090,116 2,067,761
3,924,852 628,743
397,209 531,382
- 499,485
597,791 10,014,810
Other 157,160
74,290 -
2,365,908 3,050,143
2,530,242 406,636
332,818 495,886
1,049,215 8,363,868
Total 1,630,213
1,164,406 2,067,761
6,290,760 3,678,886
2,927,451 938,018
332,818 995,371
1,647,006 18,378,678
Reversal ofallowance for impairment losses on
financial assets and others 417,617
3,299,185 3,692,115
1,765,019 107,010
1,423,487 1,046,506 -
317,315 25,725
12,042,529 Unrealised gainslosses from
increasedecrease in fair value of marketable securities,
government bonds, and policyholders’ investment
in unit-linked contracts -
- -
- -
2,402 -
19,100 1,608
- 18,306
Gain on sale of marketable securities and government
bonds -
- -
- -
300,559 -
6,852 18,208
- 275,499
Other operating expenses: Salaries and employee benefit
201,940 256,884
1,657,435 307,182
229,018 7,250,762
1,370,215 390,981
712,238 -
12,376,655 General and administrative
expenses 159,579
108,898 1,192,220
1,021,764 207,086
7,344,762 1,436,005
812,102 517,435
- 12,799,851
Other 312,366
105,220 237,232
741,646 115,081
1,397,201 246,762
946,066 74,256
597,793 3,578,037
Total 673,885
471,002 3,086,887
2,070,592 551,185 15,992,725
3,052,982 2,149,149
1,303,929 597,793
28,754,543 Non operating
Incomeexpense - net -
- 1
- 872
55,397 13,804
15,363 24,253
- 30,458
Tax expense -
- -
- -
4,595,316 84,551
402,538 134,627
- 5,217,032
Net income 7,897,066
4,437,427 7,211,501
14,115,586 6,645,935
15,425,032 289,576
1,440,769 341,114
5,801,544 21,152,398
Net income attributable to: Non controlling interest
- -
- -
- -
- -
- -
817,430 Parent entity
- -
- -
- -
- -
- -
20,334,968
Consolidated statement of financial position
Loans - gross 196,591,585 160,621,315 102,960,908 72,250,040
1,425,147 2,180,817 50,265,370
- 1,646,977
1,266,722 586,675,437
Total assets 210,851,234 160,085,871 100,195,492 71,809,645
208,997,625 55,611,246 70,369,709
26,426,301 16,173,033 10,456,747
910,063,409 Demand deposits
Wadiah demand deposits 86,552,341 38,120,057 37,191,011
2,350,335 2,191,203
- 5,818,708
- 57,625
126,792 172,154,488
Saving deposit Wadiah saving deposits
4,800,091 8,560,670 82,972,451 149,938,295
53,203 -
2,239,241 -
387,688 -
248,951,639 Time deposits
62,797,703 16,949,213 22,866,116 94,694,842 3,123,398
- -
- 1,413,398
618,466 201,226,204
Total deposit from customers 154,150,135 63,629,940 143,029,578 246,983,472
5,367,804 -
8,057,949 -
1,858,711 745,258
622,332,331 Total liabilities
154,562,581 64,091,793 144,237,479 247,506,844 14,214,393 71,192,057 10,383,106 22,618,375 12,534,868
5,142,791 736,198,705
Appropriate with operation segments of Bank Mandiri Note 2ak. Include component of internal transfer pricing among operating segments.
Include elimination of internal transfer pricing or reclasiffication among operating segment and elimination against Subsidiaries. Represent impact of foreign exchange which not being allocated to each operating segment.