Temporary Syirkah Funds Note 38
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. 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 19656. SEGMENT INFORMATION continued
Parts
» 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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