∆ fro : IPO
Dec 31, 2014
BMRI 1,093.52
-26.45 JCI
705.03 -19.19
No. of Investor
No. of shares I
DOMESTIC 1. Government of RI
1 0.00
14,000,000,000 60.00
2. Retail 18,406
82.23 252,231,989
1.08 3. Employees
1,840 8.22
23,394,118 0.10
4. Cooperatives 7
0.03 1,232,056
0.01 5. Foundation
30 0.13
18,829,845 0.08
6. Pension Funds 193
0.86 176,256,230
0.76 7. Insurance
80 0.36
442,316,436 1.90
8. Banks -
0.00 -
0.00 9. Corporations
145 0.65
599,487,073 2.57
10. Mutual Funds 214
0.96 667,540,764
2.86
Total 20,916
93.44 16,181,288,511
69.35 II INTERNATIONAL
1. Retail 106
0.47 1,294,249
0.01 2. Institutional
1,362 6.08
7,150,750,573 30.65
Total 1,468
6.56 7,152,044,822
30.65 By 30 September 2015
22,384 100.00
23,333,333,333 100.00
III TOTAL
No. Description
-200 200
400 600
800 1000
1200 1400
1600 1800
S e
p -03
M a
r- 04
S e
p -04
M a
r- 05
S e
p -05
M a
r- 06
S e
p -06
M a
r- 07
S e
p -07
M a
r- 08
S e
p -08
M a
r- 09
S e
p -09
M a
r- 10
S e
p -10
M a
r- 11
S e
p -11
M a
r- 12
S e
p -12
M a
r- 13
S e
p -13
M a
r- 14
S e
p -14
M a
r- 15
S e
p -15
BMRI JCI
2
Results Overview Page
I do esia s E o o i Co ditio 3
9M 2015 Highlights 4
Key Indicators + Financial Highlights 5
– 6
SBU Performance Highlights 7
Ba k s Pe fo a e
8 – 11
Loan Performance 12
– 14
ROE NIM 15
– 16
Fee-Based CIR 17
– 18
Wholesale Business 19
– 21
Retail Business 22
– 28
NPL Movement 29
– 32
Subsidiaries 33
– 35
Targets Initiatives 36
Additional Information Operating Performance Highlights
Supporting Materials
Core inflation remains stable and headline inflation expected to drop
The Current Account Deficit is improving through 3Q15
3
Source : CEIC, Bloomberg
GDP expansion remains below the historical average and under pressure
2 4
6 8
10 12
14 16
18 20
Se p
-06 Se
p -07
Se p
-08 Se
p -09
Se p
-10 Se
p -11
Se p
-12 Se
p -13
Se p
-14 Se
p -15
Headline inflation YoY Core inflation YoY
BI rate
10 5
- 5
10 15
15 10
5 -
5 10
15 20
1Q 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
2 Q
12 3
Q 12
4Q 12
1Q 13
2 Q
13 3
Q 13
4 Q
13 1Q
14 2
Q 14
3 Q
14 4
Q 14
1 Q
15 2
Q 15
Capital and Financial Account Current Account CA
BoP
4 4.5
5 5.5
6 6.5
7 7.5
8 8.5
9
1 Q
06 3
Q 06
1 Q
07 3
Q 07
1 Q
08 3
Q 08
1 Q
09 3Q09
1Q10 3
Q 10
1 Q
11 3
Q 11
1Q12 3
Q 12
1 Q
13 3
Q 13
1 Q
14 3
Q 14
1 Q
15 3
Q 15
4.67 7.50
6.83 5.07
5.87
Cash Management • 14,676 Customers
• 45.4 Mn Tx YTD 2015
2
4
Admired Financial Institution
Retail Loans
1
• Rp 167.4 Tn • 33.3 of Loans
• High yield loan amounting Rp 109.5 Tn
Subsidiary Income • Total Rp 1.42 Tn
• Sum of income from 10 subsidiaries
9.8 of EAT Alliances
• Bank Guarantee: Rp 18.3 Tn •Foreign Exchange: Rp 12.8 Tn
•Fund Under Management FUM: Rp 3.8 Tn
e-Channel Tx •1.6 Bn YTD
• 24.5 YoY Growth of Cards Issued
• Credit 3.89 Mn
• Debit 12.80 Mn • Prepaid 6.21 Mn
1 Small Business, Micro and Consumers
2 Excluding Mandiri Transaction System
3 Incl. KSM Centre, MMU Cash outlet and MobilMU
of Accounts • Deposit 16.63 Mn
• Loan 1.59 Mn including mortgage
accounts of 163,649 of new Accounts YTD
• Deposit 3.14 Mn • Loan 462,826
of Outlets 2,380 Branches
2,951 Micro Outlets
3
17,341 ATMs
K e
y Indi
ca tor
s R
emai n
St abl
e
22.10 24.40
22.00 22.55
22.23 20.95
17.89
2009 2010
2011 2012
2013 2014
9M 2015
R e
turn on E
qu ity
Tot al
CAS A
Rp Bn
Non P erf
ormi ng
Loan
186,492 201,958
256,395 316,127
359,957 380,512
415,908
2009 2010
2011 2012
2013 2014
9M 2015
2.79 2.42
2.21 1.87
1.90 2.15
2.81
2009 2010
2011 2012
2013 2014
9M 2015
7,155 9,218
12,246 15,504
18,204 19,872
14,583
2009 2010
2011 2012
2013 2014
9M 2015
E arni
ng Aft
er T a
x Rp
Bn
198,547 246,201
314,381 388,830
472,435 529,973
2009 2010
2011 2012
2013 2014
2015
Tot al
Loans Rp
Bn
Ne t
In ter
es t Mar
gi n
5.04 5.28
5.11 5.46
5.74 5.97
2009 2010
2011 2012
2013 2014
2015
6
Ba k Ma di i s 9M 2015 performance across several key indicators:
9M 9M
Loans Rp 506.5 Tn
Rp 560.6 Tn 10.7
Gross NPL Ratio
Net NPL Ratio
2.16
0.82
2.81
1.07
30.0
30.6
Low Cost Funds Ratio
[Low Cost Funds Rp]
61.2
Rp 361.8 Tn
63.5
Rp 415.9 Tn
3.8
15.0
NIM 5.90
5.81 1.6
Efficiency Ratio 45.1
43.1 4.5
Earnings After Tax Rp 14,454 Bn
Rp 14,583 Bn 0.9
Starting 4Q2014, we backout the LPS premium from interest expense. Using the same computation with the previous method, our 9 M 159M 14 NIM was 5.63 5.73
7
869 1,105
1,410 1,036
1,758 49
735 635
2,054 727
Treasury and Markets
Corporate Banking
Commercial Banking
Consumer Banking
Micro and Business
Banking
Asset Spread Liability Spread
Net Interest Income Analysis 3Q 2015
Rp Bn
Net Interest Income
Fee Based Income 3Q 2015
Rp Bn
370 1,317
277 358
839
Micro and Business Banking
Consumer Banking Commercial Banking
Corporate Banking Treasury and
Markets
Notes : Due to reorganization of Bank Mandiri, we cannot provide the historical data from the previous years
918 3,090
1,840 1,845
2,534
97 .1
102 .9
108 .8
121 .9
119 .8
126 .5
135 .4
151 .8
150. 4
159 .9
166 .2
186 .9
179. 9
189. 8
198 .8
214 .7
201 .9
203 .0
208 .0
227 .7
207 .3
211 .0
218 .1
9.910.8 11.6
11.612.312.7 12.2
12.013.4 13.614.0
15.315.816.8 19.0
20.7 22.123.222.3
24.7 23.325.4
29.4 47
.8 50
.3 39
.9 46
.2 45
.3 47
.9 49
.4 67
.3 75
.0 59
.0 63.0
77 .9
61 .2
74 .6
63.9 73.4
67 .2
74 .2
79 .6
78 .9
83 .4
91 .7
90 .7
22.0 23.122.9
22.225.422.3 24.0
25.3 28.228.028.5
36.1 33.3
38.549.2 51.1
43.545.0 52.0
49.1 58.1
75.8 77.6
124. 4
127. 8
127 .0
147 .8
143 .5
140 .8
140 .0
148 .1
120 .8
137 .5
138 .9
150 .7
152. 8
153 .7
155 .2
176 .2
176. 9
190. 201
.6 222
.3 226
.2 220
.5 212
.1
11.8 11.711.1
12.510.312.4 15.3
17.8 15.6
20.3 20.4
16.1 24.0
29.0 28.2
20.1 20.0
20.5 27.5
33.730.5 30.526.6
20 40
60 80
100 120
140 160
180 200
220 240
260 280
300 320
340 360
380 400
420 440
460 480
500 520
540 560
580 600
620 640
660 680
1Q 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
2 Q
12 3
Q 12
4Q 12
1 Q
13 2
Q 13
3 Q
13 4Q
13 1Q
14 2
Q 14
3 Q
14 4
Q 14
1 Q
15 2
Q 15
3 Q
15 FX Time
Rp Time FX Demand
Rp Demand FX Savings
Rp Savings
74 .5
80 .7
84 .2
85 .4
85 .1
96 .2
103 .2
106 .2
113 .0
119.2 123.2
126 .3
124 .7
146 .9
155 .2
163 .7
160 .8
161 .3
171.9 173
.3 170
.7 176
.8 180
.9
0.2 0.4 1.3 1.4 1.6
1.5 1.7 1.4 1.3
1.5 1.6 1.8 1.6 1.5
1.7 2.0 2.3 1.3
1.3 1.3 0.8 1.0 0.9
49 .1
53 .1
57 .5
63 .8
64.7 70
.1 74
.7 80
.7 82
.5 89
.8 93
.3 102.7
102.0 104
.2 111
.0 116
.9 116
.3 123
.7 127
.7 138
.9 145.1
148 .9
149 .4
24.7 26.7
28.6 30.732.4
34.3 36.3
39.0 40.7
43.344.5 47.749.3
52.4 55.2
56.6 57.4
60.3 62.4
64.7 65.767.7
69.5
17.7 19.3
20.5 22.723.3
25.8 27.6
30.2 30.9
33.1 35.0
38.438.4 42.5
43.7 46.5 46.3
49.0 52.0
57.255.3 57.9
57.9
5.6 6.0
6.5 7.3 7.7
8.5 9.5
11.8 13.1
15.1 16.8
19.0 20.7
23.9 24.9
27.0 28.2
31.0 32.7
36.0 37.2
39.7 40.0
9.7 9.1
8.6 7.8 6.7
6.1 6.1
4.6 4.8
4.8 4.9
4.0 3.9 3.9
4.2 4.2 3.9
3.9 3.8
3.7 3.8 3.8
4.1
20.4 22.7
24.6 27.230.3
34.2 38.4
40.5 40.9
43.6 46.0
48.9 50.9
53.5 54.9
55.5 55.355.5
54.6 54.7
54.3 57.0
57.9
20 40
60 80
100 120
140 160
180 200
220 240
260 280
300 320
340 360
380 400
420 440
460 480
500 520
540 560
580
1 Q
10 2
Q 10
3 Q
10 4Q
10 1Q
11 2
Q 11
3 Q
11 4
Q 11
1 Q
12 2
Q 12
3 Q
12 4
Q 12
1Q 13
2 Q
13 3
Q 13
4 Q
13 1
Q 14
2 Q
14 3
Q 14
4Q 14
1Q 15
2 Q
15 3
Q 15
Subsidiaries Recovery
Micro Small
Cons Comm
Intl Corp
Y-o-Y
3.4
5.2
49.3 14.1
4.9
Y-o-Y
9.8 11.4
Loans by SBU + Subsidiaries Rp Tn
17.0
5.2
Deposits by Product – Consolidated
Rp Tn
Loans from Treasury International have been reallocated to Corporate following the reorganization in early 2010
25.7 32.2
10.7
560.6 Tn
Total Total
590.9 Tn 654.6 Tn
10.8
5.9
8
506.5 Tn
11.3 22.3
9
1 Fee-Based Provision, Commission Fee 2 Excluding Mandiri Transaction System
Deepen Client Relationship
Accelerate Growth Segment
Wholesale Strategy Group-wide Strategy
Retail Strategy
Integrate The Group
Integrated Wholesale Transaction Bank
Holistic Product Suite
Sector-Led Solutions
Through Expertise-led Client Solutions
Cross-Border Coverage
Supporting Clients’ Regional Needs
Current Achievments 9M 2015
Total Wholesales Fees Rp 1.9 Tn
1
Total Wholesale Low Cost Deposits Rp 141.5 Tn.
Growth of Cash Management Transaction 37.7
2.
Culture of Cross-Selling across Wholesale, Retail and Subsidiaries
Engaging in Integrated Retail Initiatives with Subsidiaries and Business Units to
Drive Cross-Selling
Current Achievments 9M 2015
Micro
Easy Access Simple Products
SME
One-Stop Sales Service
Individual
Growing with our Customers
Current Achievements 9M 2015
Total Retail Fees of Rp 5.1 Tn
1
Total Retail Low-Cost Funds Rp 245.1 Tn
YoY increase in E-Channel transaction : 24.5
Mandiri Business Saving reaches Rp 96.9 Tn
V
V V
V
V
Volume of Business Alliances :
Bank Guarantee : Rp 18.3Tn.
Foreign Exchange : Rp 12.8Tn.
FUM : Rp 3.8 Tn
Income Alliance Wholesale = 52.2
Auto 2 W Loan : 388 Bn
Credit Cards : 316,649
10
Assets 3Q 2015
3Q 2014 Liabilities
3Q 2015 3Q 2014
Cash 19,062
15,727 Current Account 168,387
131,547 Current Acc w BI Other Banks
71,415 56,968 Savings
247,521 230,219
Placement w BI Other banks 57,207
60,395 Time Deposits 238,688
229,124 Advances Other
40,851 23,380
Marketable Securities 45,922
36,742 Total Deposits 654,595
590,890
Government Bonds 101,079
87,640 Loans Gross
560,630 506,456 Securities Issued
1,805 2,014
Provisions of Loans 21,450
17,297 Deposits from other banks 39,640
28,471 Net Loans
539,180 489,159 Borrowings
20,173 15,547
Reverse Repo 1,849
2,911 Other Int. Bearing Liabilities 29,577
12,085 Other Provisions
2,531 2,046 Non Int. Bearing Liabilities
46,832 50,120
Deferred Tax Assets 3,986
3,344 Equity incl. Minority Interest 113,137
99,034 Other Assets
27,739 23,941
Total 905,759
798,161 Total 905,759
798,161
11
Summary PL Rp Bn 3Q 2015
2Q 2015 3Q 2014
9M 2015 9M 2014
9M Y-o-Y Y-o-Y
Q-o-Q
Interest Income 18,066
17,454 15,984
52,637 45,275
16.3 13.0
3.5 Interest Expense
6,814 6,518
6,303 20,185
16,970 18.9
8.1 4.5
Net Interest Income 11,252
10,936 9,681
32,452 28,306
14.6 16.2
