LOANS AND SHARIA RECEIVABLESFINANCINGcontinued
12. LOANS AND SHARIA RECEIVABLESFINANCING continued
B. Other significant information related to loans and sharia receivablesfinancing continued: e. Syndicated loans Syndicated loans represent loans provided to borrowers under financing agreements with other banks. The percentage share of Bank Mandiri as the facility agent in a syndicated loans as of December 31, 2016 and 2015 ranged from 24.00 to 94.52 and 6.73 to 94.52 unaudited, respectively, of the total syndicated loans. While the percentage share of Bank Mandiri, as a member in syndicated loans as of December 31, 2016 and 2015 ranged from 0,61 to 98,67 and 0.61 to 99.38 unaudited, respectively, of the total syndicated loans. f. Restructured loans Below are the types and amount of restructured loans as of December 31, 2016 and 2015: December 31, December 31, 2016 2015 Extension of loan maturity dates 46,336,904 24,525,588 Extension of loan maturity dates and reduction of interest rates 2,232,220 1,626,032 Long-term loans with options to convert debt to equity - 322,172 Additional loan facilities 31,826 34,202 Extension of loan maturity dates and other restructuring schemes 4,130,325 6,005,590 52,731,275 32,513,584 Other restructuring schemes mainly involve reduction of interest rates, rescheduling of unpaid interest and extension of repayment periods for unpaid interest. Below are the amount of restructured loans based on collectibility: December 31, December 31, 2016 2015 Current 22,726,073 16,431,124 Special mention 13,777,071 11,476,860 Substandard 8,644,843 874,044 Doubtful 934,997 606,329 Loss 6,648,291 3,125,227 Total 52,731,275 32,513,584 Total restructured loans under non-performing loans NPL category as of December 31, 2016 and 2015 are amounting to Rp16,228,131 and Rp4,605,600, respectively. g. Loans to related parties Total loans to related parties and its percentage to the total consolidated assets are disclosed in Note 55. Loans to related parties include loans to Bank Mandiri key employees. The loans to Bank Mandiri key employees consist of interest-bearing amounting to 4.30 per annum which are intended for the acquisition of vehicles andor houses, and are repayable within 1 one to 15 fifteen years through monthly payroll deductions. PT BANK MANDIRI PERSERO Tbk. AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS As of December 31, 2016 and for the year then ended Expressed in millions of Rupiah, unless otherwise stated 11012. LOANS AND SHARIA RECEIVABLESFINANCING continued
Parts
» Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» Iswahyudi Arifin Firdaus Rp1,038.71 trillion
» Rp910.06 trillion Wholesale Retail Integrated the Group
» The Organization and Human Resources “HR” Policy Procedure
» System Data Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» MethodologyModel Analytics Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» Credit Risk Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» Qualitative Disclosure Market Risk
» Quantitative Disclosure Market Risk
» Qualitative Disclosure Liquidity Risk
» Quantitative Disclosure Liquidity Risk
» Risk Management Committee Working Unit Risk Owner ORM Coordinator Internal Audit
» Risk Awareness Program MRO Forum Risk Profile Report Legal Risk
» Reputation Risk Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» Strategic Risk Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» Compliance Risk Identification Assessment
» Relations with Management or Key Employee of Bank Mandiri
» Bank Mandiris Branch and e-channel Services Improvement Alliance DevelopmentSynergy
» Problem Management Development Infrastructure Security
» GMS Brief Minutes Ads GMS Minutes Article 33
» AGMS March 6, 2015 Agenda Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» EGMS December 18, 2015 Agenda Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» Capacity to Represent Capacity to Make Decision
» Human Resources Policy and Strategy Operational Activities Human Resources Policy and Strategy
» Human Resources Policy and Strategy Operational Activities
» Human Resources Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» BOD and SEVP: included PPC Category A and B No. Group Head PPC Kategori B No.
» Organization and Human Resources Policies Procedures System Data
» MethodologyModels Analytics Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» Integrity Pact Socialization Gratification Control Reporting Gratification
» Conflict of Interest Confidentiality
» Abuse of Position Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» Conduct Integrity and Accuracy of Data Bank Banking System Integrity Individual Behavior
» Aspect 2: Function and Role of Board of Commissioners
» Protection of Possession Bank Employee Welfare
» Remuneration Employee Turnover Level
» Social Security Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» Mandiri Sahabatku Mandiri Peduli Pendidikan
» Mandiri Peduli Kesehatan Mandiri Peduli Sarana Umum dan Ibadah Mandiri Peduli Bencana
» GENERAL INFORMATION a. Establishment
» GENERAL INFORMATION continued b. Merger continued
» GENERAL INFORMATION continued c. Recapitalisation continued
» GENERAL INFORMATION continued g. Subsidiaries
» GENERAL INFORMATION continued g. Subsidiaries continued
» GENERAL INFORMATION continued h. Structure and Management continued
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Financial liabilities continued Derecognition
» Reclassification of financial assets
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued c. Financial instruments continued
» Classes of financial instruments continued
» Allowance for impairment losses of financial assets
» Allowance for impairment losses of financial assets continued
» Investment in sukuk continued
» Principles of consolidation Determination of fair value continued
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued d. Principles of consolidation continued
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued l.
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued q. Net investment in lease financing
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued s. Investments in shares
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued v. Other assets
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued x. Deposits from customers continued
» 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 ai. Employee benefits continued
» USE OF CRITICAL ACCOUNTING ESTIMATES AND JUDGEMENTS
» CURRENT ACCOUNTS WITH BANK INDONESIA December 31, December 31,
» CURRENT ACCOUNTS WITH BANK INDONESIA continued December 31, December 31,
» CURRENT ACCOUNTS WITH OTHER BANKS
» CURRENT ACCOUNTS WITH OTHER BANKS continued
» PLACEMENTS WITH BANK INDONESIA AND OTHER BANKS
» PLACEMENTS WITH BANK INDONESIA AND OTHER BANKS continued
» PLACEMENTS WITH BANK INDONESIA AND OTHER BANKS continued MARKETABLE SECURITIES
» MARKETABLE SECURITIES continued MARKETABLE SECURITIES continued
» MARKETABLE SECURITIES continued Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» MARKETABLE SECURITIES continued GOVERNMENT BONDS GOVERNMENT BONDS continued
» GOVERNMENT BONDS continued Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» 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 RECEIVABLESFINANCING continued
» LOANS AND SHARIA RECEIVABLESFINANCINGcontinued
» LOANS AND SHARIA RECEIVABLESFINANCING continued LOANS AND SHARIA RECEIVABLESFINANCING continued
» CONSUMER FINANCING RECEIVABLES continued
» NET INVESTMENT FINANCE LEASES
» NET INVESTMENT IN FINANCE LEASE continued ACCEPTANCES RECEIVABLE
» ACCEPTANCES RECEIVABLE continued INVESTMENT IN SHARES
» INVESTMENT IN SHARES continued
» FIXED ASSETS Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» FIXED ASSETS continued Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» FIXED ASSETS continued Others
» 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-LINK HOLDERS
» LIABILITY TO UNIT-LINK HOLDERS continued
» LIABILITY TO UNIT-LINK HOLDERScontinued
» SECURITIES SOLD UNDER REPURCHASE AGREEMENTS
» ACCEPTANCES PAYABLE Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» MARKETABLE SECURITIES ISSUED Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» MARKETABLE SECURITIES ISSUED continued Bonds continued
» MARKETABLE SECURITIES ISSUED continued Subordinated notes sharia mudharabah
» MARKETABLE SECURITIES ISSUED continued Subordinated notes sharia mudharabah continued
» ESTIMATED LOSSES ON COMMITMENTS AND CONTINGENCIES
» ESTIMATED LOSSES ON COMMITMENTS AND CONTINGENCIES continued
» TAXATION b. Taxes payable continued
» TAXATION continued d. Tax expense - current
» TAXATION continued d. Tax expense - current continued
» TAXATION continued e. Deferred tax assets - net continued
» TAXATION continued Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» EMPLOYEE BENEFIT LIABILITIES December 31, December 31,
» OTHER LIABILITIES continued Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» FUND BORROWINGS continued December 31, December 31,
» FUND BORROWINGS continued FUND BORROWINGS continued
» FUND BORROWINGS continued Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» SUBORDINATED LOANS Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» SUBORDINATED LOANS continued Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» TEMPORARY SYIRKAH FUNDS Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» TEMPORARY SYIRKAH FUNDS continued
» NONCONTROLLING INTERESTS IN NET ASSETS OF CONSOLIDATED SUBSIDIARIES
» SHARE CAPITAL continued a. Authorised, Issued and Fully Paid Capital continued
» SHARE CAPITAL continued a. Authorised, Issued and Fully Paid-in Capital continued
» SHARE CAPITAL continued b. Additional Paid-In CapitalShare Premium continued
» SHARE CAPITAL continued c. Distribution of net income continued
» INTEREST EXPENSE AND SHARIA EXPENSE OTHER OPERATING INCOME - OTHERS Year ended December 31,
» ALLOWANCE AND REVERSAL FOR IMPAIRMENT LOSSES Year ended December 31,
» UNREALISED GAINSLOSSES Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» GAIN ON SALE OF MARKETABLE SECURITIES AND GOVERNMENT BONDS Year ended December 31,
» SALARIES AND EMPLOYEE BENEFITS Year ended December 31,
» SALARIES AND EMPLOYEE BENEFITS continued
» GENERAL AND ADMINISTRATIVE EXPENSES Year ended December 31, EMPLOYEE BENEFITS
» EMPLOYEE BENEFITScontinued Pension Plan
» EMPLOYEE BENEFITS continued Pension Plan continued
» EMPLOYEE BENEFITS continued Pension Plan
» EMPLOYEE BENEFITScontinued Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» EMPLOYEE BENEFITS continued EMPLOYEE BENEFITS continued
» EMPLOYEE BENEFITS continued Labor Law No. 132003 continued
» NON-OPERATING EXPENSEINCOME - NET Year ended December 31,
» COMMITMENTS AND CONTINGENCIES continued
» FOREIGN CURRENCY TRANSACTIONS Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» RELATED PARTY TRANSACTIONS Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» RELATED PARTY TRANSACTIONS continued
» RELATED PARTY TRANSACTIONS continued RELATED PARTY TRANSACTIONS continued
» SEGMENT INFORMATION Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» SEGMENT INFORMATION continued Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» CAPITAL ADEQUACY RATIO Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» CAPITAL ADEQUACY RATIO continued
» CUSTODIAL SERVICES AND TRUST OPERATIONS
» CUSTODIAL SERVICES AND TRUST OPERATIONS continued
» CHANNELING LOANS Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» RISK MANAGEMENT Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» RISK MANAGEMENT continued Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris
» RISK MANAGEMENT continued RISK MANAGEMENT continued
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