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
100
12. LOANS AND SHARIA RECEIVABLESFINANCING continued
A. Details of loans and sharia receivablesfinancing continued: b.1 By type:
December 31, 2016 Non-impaired
Impaired Total
Rupiah: Working capital
223,899,951 29,197,623
253,097,574 Investment
119,239,087 16,620,750
135,859,837 Consumer
125,252,871 3,288,718
128,541,589 Syndicated
16,744,279 1,884,271
18,628,550 Export
14,230,417 59,184
14,289,601 Employees
5,627,776 48,148
5,675,924 Government program
562,536 97,010
659,546 Total
505,556,917 51,195,704
556,752,621 Foreign currencies:
Working capital 23,007,517
4,281,727 27,289,244
Investment 29,812,065
7,699,829 37,511,894
Consumer 395,303
- 395,303
Syndicated 19,999,125
3,712,674 23,711,799
Export 2,844,092
817,432 3,661,524
Employees 568
- 568
Total Note 61B.v 76,058,670
16,511,662 92,570,332
581,615,587 67,707,366
1
649,322,953 Less: Allowance for impairment losses
5,478,737 27,138,023
2
32,616,760
Net 576,136,850
40,569,343
3
616,706,193
Included in “impaired portfolio” are i loans classified as sub-standard, doubtful and loss non-performing loans in accordance with Bank Indonesia regulation, and ii all restructured loans iii others based on specific consideration 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 Rp51,572,183 and Rp16,135,183, respectively. 2 Allowance for impairment losses calculated by using individual and collective assessment are amounting to Rp23,054,786 and
Rp4,083,237, respectively. 3 Loans - net evaluated by using individual and collective assessment are amounting to Rp28,517,397 and Rp12,051,946,
respectively.
December 31, 2015 Non-impaired
Impaired Total
Rupiah: Working capital
208,014,952 15,610,895
223,625,847 Investment
119,075,029 8,985,836
128,060,865 Consumer
111,634,458 2,162,270
113,796,728 Syndicated
12,444,018 754,225
13,198,243 Export
10,702,639 149,861
10,852,500 Employees
4,008,931 67,680
4,076,611 Government program
759,051 152,309
911,360 Total
466,639,078 27,883,076
494,522,154
Included in “impaired portfolio” are i loans classified as sub-standard, doubtful and loss non-performing loans in accordance with Bank Indonesia regulation, and ii all restructured loans iii others based on specific consideration 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.
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
101
12. LOANS AND SHARIA RECEIVABLESFINANCING continued
A. Details of loans and sharia receivablesfinancing continued: b.1 By type continued:
December 31, 2015 continued Non-impaired
Impaired Total
Foreign currencies: Working capital
28,485,384 5,220,454
33,705,838 Investment
27,410,237 7,464,351
34,874,588 Consumer
278,873 -
278,873 Syndicated
12,936,393 242,545
13,178,938 Export
9,251,222 863,087
10,114,309 Employees
737 -
737 Total Note 61B.v
78,362,846 13,790,437
92,153,283 545,001,924
41,673,513
1
586,675,437 Less: Allowance for impairment losses
5,507,533 16,774,309
2
22,281,842
Net 539,494,391
24,899,204
3
564,393,595
Included in “impaired portfolio” are i loans classified as sub-standard, doubtful and loss non-performing loans in accordance with Bank Indonesia regulation, and ii all restructured loans iii others based on specific consideration 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 Rp30,423,173 and Rp11,250,340, respectively. 2 Allowance for impairment losses calculated by using individual and collective assessment are amounting to Rp13,265,021 and
Rp3,509,288, respectively. 3 Loans - net evaluated by using individual and collective assessment are amounting to Rp17,158,152 and Rp7,741,052,
respectively.
b.2 By type and Bank Indonesia’s collectibility:
December 31, 2016 Special
Sub- Current
mention standard
Doubtful Loss
Total
Rupiah: Working capital
228,380,147 9,610,239 6,417,582 1,537,514
7,152,092 253,097,574 Investment 126,315,123 4,393,028
2,030,464 209,724 2,911,498 135,859,837
Consumer 119,358,666 6,996,906 480,810 572,467
1,132,740 128,541,589 Syndicated 18,255,518 254,458
- -
118,574 18,628,550
Export 14,136,640
97,052 9,047
3,901 42,961
14,289,601 Employees 5,446,459
218,593 5,313
1,223 4,336 5,675,924 Government program
589,792 17,789
6,449 5,181
40,335 659,546
Total 512.482.345 21,588,065 8,949,665
2,330,010 11,402,536 556,752,621
Foreign currencies: Working capital 23.418.079 2,197,826
305,614 162,346
1,205,379 27,289,244
Investment 35,128,070 1,086,854
528,265 -
768,705 37,511,894
Consumer 395,303
- -
- -
395,303 Syndicated
23,248,765 -
98,020 132,260
232,754 23,711,799
Export 3,497,590
95,067 19,829
- 49,038
3,661,524 Employees
568 -
- -
- 568
Total Note 61B.v 85,688,375
3,379,747 951,728
294,606 2,255,876
92,570,332 598,170,720 24,967,812 9,901,393
2,624,616 13,658,412 649,322,953
Less: Allowance for impairment losses
11,786,677 4,548,927 4,070,577 1,107,476 11,103,103 32,616,760
Net 586,384,043 20,418,885 5,830,816 1,517,140 2,555,309 616,706,193
