2 .8
3 .7
4 .3
3.6 4
.9 4.7
5.1 5
.5 6.0
5 .4
5 .5
5.3 4
.9 5.3
5.1 5
.2 6
.0 5
.8 5
.1 5.4
5 .2
5.4 5.2
5 .5
Q4 02
Q4 3
Q 4
04 Q4
5 Q
4 06
Q4 7
Q1 8
Q 2
08 Q
3 08
Q 4
08 Q
1 09
Q2 9
Q 3
09 Q4
9 Q1
1 Q
2 10
Q3 10
Q4 1
Q 1
11 Q2
1 1
Q 3
11 Q4
1 1
Q112 Q
2 12
NIM
13.0
9.5 11.0
9.3 10.1
10.7 9.1
9.8
8.7 9.0
8.7 8.7
8.2 8.1
10.8 10.8
6.3 4.8
7.3
4.5 3.8
5.3 4.9
4.0 3.8
3.8 3.7
3.4 3.2
2.8
Yield on Assets Cost of Funds
Quarterly Net Interest Margins Quarterly Yields Costs by Currency
5.8 5.1
5.3 6.6
5.8 6.8
6.5 6.6
5.8 6.4
5.2 5.2
5.0 7.2
5.1 4.9 4.7
5.3 4.8
5.4 5.6
4.0 3.5 3.4
2.7 3.0
2.7 2.3 2.1 1.5
0.7 0.8
0.7 0.5 0.3 0.6 0.6
5
Q4 05
Q4 06
Q 4
07 Q1
08 Q
2 08
Q 3
08 Q
4 08
Q1 09
Q 2
09 Q3
09 Q
4 09
Q 1
10 Q2
10 Q3
10 Q410
Q 1
11 Q211
Q 311
Q 4
11 Q112
Q 2
12
12.0 12.1 12.9
12.9 12.6 12.7
12.5 11.8
12.1 11.9
12.5 11.4 11.6
7.18 6.5
6.5 5.9
3.9 3.3
6.9 4.5
4.6 5.8
5.3 4.2 4.1
4.3 4.2
3.7 3.1
5 10
15 20
Avg Loan Yield Avg Bond Yield
Avg COF
IDR
FX
11
12
Non-Loan Related Fees Commissions Q2-2012
Q2-2011 H1-2012
H1-2011 Y-o-Y
Q-o-Q
Administration Fees 544
457 985
836 17.8
18.9 Opening LC, BG Cap Market custodian trustee
150 107
302 222
36.3 40.6
Subsidiaries 362
304 767
752 2.0
19.3 Transfer, Retail Transaction
259 217
502 402
24.9 19.4
Credit Cards 234
228 476
449 6.1
2.9 Mutual Fund, ORI Bancassurance
86 84
168 146
15.2 1.9
Syndications 72
86 108
94 15.1
16.3 Payroll Package
21 16
38 30
26.6 36.2
Others 110
72 195
137 41.6
51.9
Total 1,837
1,571 3,541
3,068 15.4
17.0
Foreign Exchange Gains 405
179 615
311 97.7
126.3 Gains Fr Sale Incr. in Value of Sec. Gov. Bonds
134 31
- 63
100.0 na
Cash Recoveries 661
437 1,183
2,312 48.8
51.3
Total Operating Income 10,263
8,335 19,535
17,395 12.3
23.1 of Non Loan Related fees to total opr. income
27.0 26.6
27.3 33.1
17.4 1.4
Breakdown of Q2 2012 Non-Loan Related Fees Commissions Rp bn
827 1,0
04 1
,110 1,3
84 1
,051 1,2
65 1,4
59 1
,682 1,5
24 1,5
10 1,8
83 1
,409 1
,614 2,0
04 1
,116 1
,390 1
,019 1,3
28 1
,306 1,3
75 1
,485 1,6
12 1,5
47 1
,631 1,6
71 1,9
03 1,8
65 1
,939
Q 1
09 Q2
09 Q
3 09
Q 4
09 Q
1 10
Q2 10
Q 3
10 Q410
Q 1
11 Q211
Q311 Q
4 11
Q 112
Q212
GA Expense Personnel Expense
35.1 42.8
39.3 43.2
39.0 38.4
38.1 45.1
32.4 37.3
39.0 41.6
44.0 43.2
CIR
Breakdown of Q2 2012 Operating Expenses Quarterly Consolidated Operating Expenses CIR
Q ’ Q ’
Q ’ Growth
QoQ YoY
Personnel Expenses
Base Salary 530
524 459
1.1 15.5
Other Allowances 903
826 733
9.3 23.2
Post Empl. Benefits 53
75 31
29.3 71.0
Training 94
47 87
100.0 8.0
Subsidiaries 359
394 320
8.9 12.2
Total Personnel Expenses 1,939
1,865 1,631
4.0 18.9
GA Expenses
IT telecoms 242
184 185
31.5 30.8
Occupancy Related 427
365 444
17.0 3.8
Promo Sponsor 230
206 205
11.7 12.2
Transport Travel 119
99 102
20.2 16.7
Goods, Prof. Services Oth. 284
176 183
61.4 55.2
Employee Related 270
208 179
29.8 50.8
Subsidiaries 433
376 212
15.2 104.2
Total GA Expenses 2,004
1,614 1,510
24.2 32.7
Other Expenses 545
540 427
0.9 27.6
Total Operating Expenses 4,489
4,019 3,568
11.7 25.8
Rp483bn of GA expenses reclassified to Other Operating expenses in 2Q11,
13
42 .6
58 .1
72.5 91.9
108 .9
115.9 112
.2 134
.0 172.9
195 .8
242 .4
352.5 36
5.5
13 .3
15.4 17.0
25 .5
27 .5
27.4 28.4
28 .3
27.2 30
.5 35
.7 53.3
59 .0
2000 2001
2002 2003
2004 2005
2006 2007
2008 2009
2010 2011
2012 RWA Rp tn
Total Capital Rp tn 31.3
26.4 23.4
27.7 25.3
23.2 24.6
20.8 15.7
15.4 13.4
15.1 16.2
CAR
308 1,168
1,549 1,744 519
510 1,027 1,390 1,400
2,003 2,681
3,403 1,300
602 690
1,329
97 305
1,113 1,221 1,526
2,031 2,543
3,744
967 1,017
1,528 1,408
610 372
1,040 1,345
1,693 2,352
2,850
645 799
819 775
623 1,234
1,166 1,390
2,536 2,833
3,073
2001 2002
2003 2004
2005 2006
2007 2008
2009 2010
2011 2012
Q4 PAT Q3 PAT
Q2 PAT Q1 PAT
IDR bn
Capital RWA Movement Profit After Tax ROE
21.5 26.2
23.6 22.8
2.5 10.0
15.8 18.1
22.1 24.4
22.0 21.9
RoE - AT
• CAR inclusive of Credit and Market Risk started in December 2004 • CAR inclusive of Credit, Market and Operational Risk started in January 2010
14
1,099
1.1Tn from GIAA Recovery
Strengthen leadership in wholesale transaction banking
Comprehensive financing transaction solutions
Holistic relationship approach for leading Indonesian institutions
Build 1 or 2 positions in key retail financing segments
Win in mortgage, personal loan cards
Become a major player in micro- banking
Champion Syariah in Indonesia
Be the retail deposit bank of choice
Win through differentiated customer experience and
targeted propositions
Deploy innovative payment solutions
Total Wholesales Fees Rp1.9
T
n
1
Total Wholesale Low Cost Deposits Rp67.2 Tn
Growth of Tx cash management 76.4 YoY
2
Total Retail Fees of Rp2.7 Tn
Total Retail Low Cost Funds Rp172.4 Tn
YoY increase in of E-channel transaction: 34.3
Total Retail Loans of Rp91.5 Tn
Assets Spread Rp4.4 Tn
29.8 of total loans
Pillar 1 Pillar 2
Pillar 3
1 Excluding collection extracomptable Rp 88.6bn 2 Excluding Mandiri Transaction System
Wholesale Transactions, Retail Payments High Yield Loans
15
Breakdown of Net Expansion in Corporate Lending Q2 12
– Q2 11 Total Rp22.11 tn
Rp Billion
160 316
591 765
964 1,188
1,357 1,504
1,563 1,929
1,976 2,260
2,332 2,526
2,683
1, 000
1, 000
2 ,000
3, 000
4 ,000
Others Mfg-Oth
Trad-Oth Trans
Mfg-Metal Electricity
Trad-Ret Constr
Trad-Distr Mfg-FB
Mining-Coal Mfg-Chem
Bus Serv Trad-Dom
Plantations
13.9
344.6 24.6
33.4 208.0
15.7 66.0
42.2 69.4
16.9 38.8
8.5 15.7
3.9 1.0
Rp Billion
Breakdown of Net Expansion in Commercial Lending Q2 12
– Q2 11 Total Rp19.37 tn
347 543
568 649
696 706
773 831
918 980
1,082 1,263
1,314 1,343
1,573 1,649
2,058 2,082
800 200
400 1
,000 1
,600 2,
200
Constr Trad-Oth
Utilities Agri-Oth
Others Mfg-Oth
Bus Serv Plantations
Oil Gas Trad-Dom
Mining-Coal Mass Trans
Vehicles Mfg-Text
Mfg-Chem Mfg-RawM
Mfg-Metal Trad-Distr
30.0
64.9 74.1
22.0 60.9
501.4 29.4
59.0 306.8
143.4 11.7
7.3 6.5
27.3 52.8
46.5 12.6
9.0
16
745 2,414
4,066 6,153
7,784 10,943
11,132 11,377
2006 2007
2008 2009
2010 2011
Q 1
2012 Q
2 2012
Cash Management Users Wholesale CASA Deposits
58 ,05
5 62
,257 61
,691 53
,60 4
74 ,116
54 ,91
5 67
,21
7.24 0.91
13.11 38.27
-50.00 -30.00
-10.00 10.00
30.00 50.00
70.00 90.00
5,000 5,000
15,000 25,000
35,000 45,000
55,000 65,000
75,000
2007 2008
2009 2010
2011 Q2 11
Q2 12
Total CASA IDR Billion YoY Growth
248 479
716 685
677 771
1 ,130
4Q10 1Q11
2Q11 3Q11
4Q11 1Q12
2Q12
Average of Cash Management Tx 000, total 6.1 mn transaction in 2012
Exclude Mandiri Transaction System
17
57.8 YoY Growth
22.4 YoY Growth
Mandiri Cash Management Forex
431 .0
6 8
5 .2
9 5
6 .0
2 4
6 .6
451 .3
7,266 18,803
29,774
8,235 10,391
- 5,000
10,000 15,000
20,000 25,000
30,000 35,000
- 200.0
400.0 600.0
800.0 1,000.0
1,200.0
Dec 09 Dec 10
Dec 11 Q1 2012
Q2 2012
Value IDR Trillion of Trx 000
66 .0
6 6
.0 77
.0 1
4 .4
17 .5
185,739 239,896
218,436
95,391 100,785
- 50,000
100,000 150,000
200,000 250,000
300,000
- 10.0
20.0 30.0
40.0 50.0
60.0 70.0
80.0 90.0
Dec 09 Dec 10
Dec 11 Q1 2012
Q2 2012
Value USD Billion of Trx
Wholesale Remittance Trade Transaction : Export, Import, Domestic
5 8
.8 7
.4 92
.1 27
.9 2
9 .6
396,814 435,866
445,267
146,557 255,867
- 100,000
200,000 300,000
400,000 500,000
600,000 700,000
- 10.0
20.0 30.0
40.0 50.0
60.0 70.0
80.0 90.0
100.0
Dec 09 Dec 10
Dec 11 Q1 2012
Q2 2012
Value USD Million of Trx
8 4
.8 85
.3 1
9 .5
2 9
.8 2
7 .6
454,120 495,813
510,916
129,654 125,088
- 100,000
200,000 300,000
400,000 500,000
600,000
- 20.0
40.0 60.0
80.0 100.0
120.0
Dec 09 Dec 10
Dec 11 Q1 2012
Q2 2012
Value USD Million of Trx
18
75 .9
81 .3
86.3 95.5
88.2 93.4
98 .5
109.6 107
.3 112.7
120 .4
134.0 132
.7 140.6
6.8 6.9
7.4 8.1
9.3 10.2
11.0 11.0 11.7
11.9 11.5
11.3 12.7 12.8
5.6 6.1
8.0 9.4
8.2 8.8
9.1 11.1 10.5
11.9 12.2
15.7 14.6 15.4
2.3 2.5
2.4 2.7
2.7 2.7
3.3 3.2
3.5 3.5
62.9 65.1
68.7 68.5
71.8 70.6
68.7 70.5 69.0
68.6 70.8
73.1 71.6 70.3
7.4 7.4
7.5 6.8
6.0 5.7
5.8 5.8
5.3 5.2
5.2 5.3
5.0 5.0
20 40
60 80
100 120
140 160
180 200
220 240
260
Q 1
09 Q
2 09
Q 3
09 Q
4 09
Q 1
10 Q
2 10
Q 3
10 Q
4 10
Q 1
11 Q
2 11
Q 3
11 Q
4 11
Q 1
12 Q
2 12
Rp Savings Deposits FX Savings Deposits
Rp Demand Deposits FX Demand Deposits
Rp Time Deposits FX Time Deposits
Retail Deposit Analysis – Bank Only
4.2 3.5
3.5 3.1
2.5 2.3
2.2 2.0
2.8 2.5
2.6 2.1
2.2 2.4
2.1 1.5
9.5 8.7
7.2 6.5
6.5 6.7
6.5 6.5
5.7 5.0
5 10
15 Rp DD
Rp Savings Rp TD
Average Quarterly Deposit Costs
1.1 0.9
0.6 0.1
0.2 0.1
0.1 0.2
0.3 3.9
3.0
1.0 0.5
0.50.4 0.8
0.8 0.7
2 4
Q1 09
Q 2
09 Q3
09 Q
4 09
Q1 10
Q 2
10 Q3
10 Q
4 10
Q 1
11 Q
2 11
Q 3
11 Q4
11 Q1
12 Q2
12 FX DD
FX TD 62.5
62.3 64.7
63.4 63.8
66.1 63.3
63.8 66.1
63.8 66.5
69.6 As of total deposits
19
Quarterly Transaction Volume Mn Quarterly Transaction Value Rp tn
Quarterly Users Mn
Inactive cards have been purged 122.9
142.0 141.9
148.1 168.1
186.2 189.4
204.0
42.3 38.6
41.7 40.8
43.0 40.7
44.7
7.9 11.6
15.0 15.4 21.3
25.4 29.8
27.3 8.3
16.5 26.6
31.8 49.7
68.5 78.7 84.0
15 10
35 60
85 110
135 160
185 210
Q 1
09 Q2
9 Q
3 09
Q4 9
Q 1
10 Q
2 10
Q3 10
Q4 1
Q1 1
1 Q
2 11
Q3 11
Q 4
11 Q
1 12
Q2 1
2
ATM Branch
SMS Banking Internet Banking
77.1 95.5
97.1 107.5
130.8 147.7
153.8 162.4
1.4 2.1
2.6 2.9 3.9
4.6 5.4
5.5 4.8
7.1 8.7
11.7 16.3
21.5 23.5
25.6
20 40
60 80
100 120
140 160
Q1 9
Q 2
09 Q
3 09
Q4 9
Q 1
10 Q2
1 Q
3 10
Q4 1
Q 1
11 Q2
1 1
Q 3
11 Q
4 11
Q1 1
2 Q2
1 2
ATM SMS Banking
Internet Banking
9.95
7.20 7.67
8.06 8.35
8.72 8.96
9.24 9.65
2.16 3.17
4.21 4.61 4.61
5.08 5.29
5.47
1.11 1.21 0.92 1.01 1.03
1.16 1.21
1.26
2 4
6 8
10 12
Q 1
09 Q
2 09
Q3 9
Q 4
09 Q1
1 Q
2 10
Q3 1
Q4 1
Q 1
11 Q2
1 1
Q 3
11 Q4
1 1
Q 1
12 Q2
1 2
Debit Cards SMS Banking
Internet Banking
20
Pre-Paid Card Volume 000s
165.6 259.0
293.0 353.0
458.0 516.7
626.8 688.3
773.3 846.2
981.3
99.5 129.3
150.0 163.0
183.0 204.0
295.0 367.5
505.8 693.3
919.8
34.3 36.0
39.3 43.0
45.0 47.6
47.7 48.1
49.4 49.4
49.7
D ec
-09 M
ar -10
Jun -10
Sep -10
D ec
-10 M
ar -11
Jun -11
Sep -11
D ec
-11 Mar
-12 Jun
-12
Indomaret e-Toll
Gaz
207.7 209.9 154.0 165.0 133.3
273.8 406.9
627.9 688.2
1,072.9 1,078.0
989.0 1,317.0
1,174.3 1,762.5
2,047.9 2,872.2
4,788.0 6,405.0
8.8 2.7 3.6
5.5 7.0 3.9 4.1
4.7 3.9 62.3
D ec
-09 M
ar -10
Jun -10
Sep -10
D ec
-10 M
ar -11
Jun -11
Sep t-
11 D
ec -11
M ar
-12 Jun
-12
Indomaret e-Toll
Gaz
Pre-Paid Transaction Volume 000s
21
Volume Mandiri Business Saving Account Tn
3.5 4.8 8.0
17.7 34.7
22.7 34.5
40.8
2007 2008 2009 2010 2011 Q2 2011
Q1 2012
Q2 2012
Fee Income from e-channel Tx Bn
22
23,690 27,611
33,732 47,127
92,903 99,765
112,879
2007 2008 2009 2010 2011 Q1 2012
Q2 2012
Numbers of EDC
56 YoY Growth
52.1 89.4
126.2 200.3
258.2 315.2
65.5 98.5
166.6 196.5
285.7 318.6
81.9 110.5
194.5 249.3
313.9
89.0 117.8
223.7 268.5
312.8
2007 2008
2009 2010
2011 2012
Q4 Q3
Q2 Q1
16 YoY Growth
Rp Bn
34,254 43,304
9,050
Q2 2011 Growth
Q2 2012
YoY 26.4
Consumer Finance Rp Bn
25,787 33,103
7,316
Q2 2011 Growth
Q2 2012
YoY 28.4
Business Banking Rp Bn
Micro Credit
8,520 15,097
6,577
Q2 2011 Growth
Q2 2012
YoY 77.2
5 5
,6 5
5 60
,676 63
,323 66
,851 7
3 ,3
2 4
8 1
,0 4
6 8
4 ,6
7 5
9 1
,5 4
26.8 27.7
28.6
27.6 28.3
29.6 29.6
29.8
20.00 22.00
24.00 26.00
28.00 30.00
30,000 40,000
50,000 60,000
70,000 80,000
90,000
Q3 2010 Q4 2010 Q1 2011 Q2 2011 Q3 2011 Q4 2011 Q1 2012 Q2 2012
Retail to Total Loans
Retail to Total Loans
Micro Credit Business Banking
Consumer Finance
23
200 300
305 355
600 800
800 878
879 924
10 152
480 710
711 717
2008 2009
2010 2011
Q1 2012
Q2 2012
Branch Unit
Kiosk
271 430
562 694
733 765
2008 2009
2010 2011
Q1 2012
Q2 2012
Customers 000 Network
Of New Customers
73 ,56
6 79
,50 76
,325 94
,85 5
74 ,037
110 ,000
121 ,007
14 6,3
59
126 ,509
14 0,0
64
Q1 10
Q2 10
Q3 10
Q4 10
Q1 11
Q2 11
Q3 11
Q4 11
Q1 12
Q2 12
24
1 ,347
1 ,646
1 ,645
2,1 95
1,8 26
2 ,522
2,7 91
4 ,208
3 ,397
4,5 25
Q1 10 Q2 10 Q3 10 Q4 10 Q1 11 Q2 11 Q3 11 Q4 11 Q1 12 Q2 12
Booking
Outstanding – Rp Tn
4.4 5.4
7.3 11.8
13.1 15.1
2.0 2.3
2.8 3.9
4.4 5.0
0.00 0.50
1.00 1.50
2.00 2.50
3.00 3.50
4.00 4.50
5.00 5.50
6.00
1 2
3 4
5 6
7 8
9 10
11 12
13 14
15 16
17
2008 2009
2010 2011
Q1 2012 Q2 2012
Mandiri Microfinance Outstanding Mandiri Market Share
Booking Volume – Rp Bn
16.5 16.5 17.3
16.9 17.9 17.7
17.1 21.0
20.8 20.6
Asset Spreads
25
May 2012
• Scorecard Refinement •Training Capacity
Development of Managers
•MKA Revitalization focus on credit analysis
verification
•Loan Factory for Fixed Income Loan
•FIN-1 Collection System •Change in Organization
•Crash Program for NPL debtors settlement
Origination Targeting
Maintenance Review
Collection
Operational Risk Building New
Business
•750 MKS and 250 M3KCM added this year
•Biweekly RTTA Risk, Threshold, Trigger
Action Plan Review Forum
•Mobile Sales and Maintenance System for MKS
•Incentive Scheme Refinement
•Post Transaction Control Welcome Call
•Savings •Pension Loans
•Joint Cooperation with Mandiri AXA General Insurance MAGI
•Joint Cooperation with Bank Syariah Mandiri BSM
– for Gold Pawning
•3,720 EDC hand held rolled out
•Early Warning System Development
•25 CQOCAO added this year
26
8,376 8
,814 9,193
10 ,017
10 ,681
11,626 12
,593 13
,500 14,268
15,523 16
,466 17
,779 18
,764 20
,113 3,697
3,70 4
3,699 3
,753 3,82
2 3
,890 3
,941 3,95
7 3
,964 3
,979 3,94
9 3,887
3 ,777
3 ,679
3 ,983
4,09 9
4,252 4,541
4,71 9
4 ,985
5,194 5
,428 5
,643 5,919
6 ,100
6 ,233
6,335 6,58
7
2,251 2,452 2,754
2,989 2,973
3,239 3,372
3,589 3,575
3,761 3,910
4,296 4,245
4,492
781 877
1,067 1,376
1,476 1,704
2,217 2,826
3,454 3,492
4,200 5,115
5,829 6,593
572 615
691 915
1,063 1,214
1,325 1,393
1,454 1,583
1,630 1,690
1,772 1,840
2,500 5,000
7,500 10,000
12,500 15,000
17,500 20,000
22,500 25,000
27,500 30,000
32,500 35,000
37,500 40,000
42,500 45,000
Q 1
09 Q
2 9
Q 3
9 Q
4 09
Q 1
10 Q
2 10
Q 3
1 Q
4 1
Q 1
1 1
Q 2
1 1
Q 3
11 Q
4 1
1 Q
1 12
Q 2
12 Other
Auto Credit Cards
Payroll Loans Home Equity Loans
Mortgages
Loan Type Growth
Y-o-Y Q-o-Q
Other 16.46
3.87 Auto Loans
88.82 13.11
Credit Cards 19.43
5.81 Payroll Loans
11.30 3.99
Home Equity Loans 7.54
2.60 Mortgages
29.56 7.19
Total Consumer 26.42
6.34
Quarterly Consumer Loan Balances by Type Consumer Loan Growth by Type
Rp43.3 tn
Auto Motorcycle Loans channeled or executed through finance companies = Rp 7.30Tn in our Commercial Loan
Portfolio
27
375 566
852 966
1 ,146
587 302
78 257
576 398
341 425
606 694
1,3 06
1,3 69
1,6 56
1 ,530
1 ,592
Q 1
10 Q
2 1
Q 3
1 Q
4 1
Q 1
11 Q
2 1
1 Q
3 11
Q 4
11 Q
1 1
2 Q
2 12
JF Non JF
Total Booking and the Breakdown for Joint Financing and Non JF
Breakdown of Financing
405 539
806 1,1
01 1,3
70 1,3
64 1
,245 1,3
55 1
,353 1
,609 309
306 351
372 350
422 342
312 373
486
61 79
118 99
118 109 84
67 60 72
Q 1
10 Q
2 10
Q 3
10 Q
4 10
Q 1
1 1
Q 2
1 1
Q 3
1 1
Q 4
1 1
Q 1
12 Q
2 1
2
Motorcycle Used Car
New Car
H1 2012 Performance
28 Rp Bn
H1 2012
H1 2011
Change
Loans 9,876
6,979 41.52
Net Income after tax 50.04
32.77 52.70
Approval Rate 89.87
84.68 5.19
Disbursement 3,954
3,732 5.93
NIM 3.22
3.05 5.57
ROA 3.97
3.02 31.45
ROE 23.03
17.21 33.82
CER 47.78
46.72 2.27
NPL 1.14
1.08 5.55
12,655 16,202
10,983 8,334
12,912 16,966
15,148 15,412
16,332 15,895
18,148 17,506
17,417 17,479
17,498 15,758
13,516 12,922
11,844 11,410
12,134 12,053
2,0 00
4,0 00
6 ,000
8 ,000
10 ,00
12 ,000
14 ,00
16 ,00
18 ,00
20 ,00
Q4 01 Q4 02
Q4 03 Q4 04
Q4 05 Q4 06
Q4 07 Q4 08
Q1 09 Q2 09
Q3 09 Q4 09
Q1 10 Q2 10
Q3 10 Q4 10
Q111 Q211
Q311 Q411
Q112 Q212
2 -
Sp eci
al M
en ti
on Loa
n s
Rp B
n
26 .2
24.8 15
.0 9.4
12.9 15.5
11.9 9
.7 10
.2 9
.7 10
.6 9.7
9 .0
6.1 4.6
4 .2
4 .2
3.9
Cat 2
N P
L Mov
em en
t -
C onso
lida ted
19.80 9.70
7.30 8.60
7.10 25.28
16.34 7.17
4.73 5.85
4.78 3.79
2.79 2.56
2.54 2.60
2.42 2.60
2.42 2.56
2.21 2.22
2.07
70 .0
146 .7
129 .5
19 0.4
139.1 128.8
44 .4
127.1 136.1
219 .1
192 .4
175.0 155.5
174 .2
185.1 185
.2
Q4 99 Q4 00
Q4 01 Q4 02
Q4 03 Q4 04
Q4 05 Q4 06
Q4 07 Q4 08
Q1 09 Q2 09
Q3 09 Q4 09
Q1 10 Q2 10
Q3 10 Q4 10
Q111 Q211
Q311 Q411
Q112 Q212
Gro ss
N PL
Rat io
Pr o
vN PL
Gr oss
NPL s
2 .1
, coverage at
185 -
Cat egory
2 loan
decl ine
d t o
3 .9
C a
teg or
y 2
Loans –
B an
k On ly
NPLs Rp tn
Q
Rp tn NPLs
Corporate 2.97
0.02 2.37
Commercial 0.88
0.26 0.97
Small 0.80
0.05 2.40
Micro 0.57
0.02 3.77
Consumer 0.85
0.02 1.96
Total 6.06
0.24 1.95
Non-Performing Loans by Segment
Excluding loans to other banks.
241.07 248.62
10.98
17.45 161.67
384.37 46.40
446.64 315.85
50.90 156.25
143.78
250 500
750 1,000
UG to PL DG to NPL
WO
Corp Comm
MicroSmall Cons
Movement by Customer Segment Rp Bn
6.30 0.36
1.01 0.14
0.86 0.09
6.06
Q1 12 UG to PL
DG to NPL Payment Write-Offs Other
Q2 12
Non-Performing Loan Movements Rp tn – Bank Only
30
Total Loans originated since 2005 Net
Upgrades Downgrades
Q2 2012 Details
Loan Background
Q Balance
Rp bn Q2
2010 Q3
2010 Q4
2010 Q1
2011 Q2
2011 Q3
2011 Q4
2011 Q1
2012 Q2
2012 DG to
NPL UG to
PL
Corporate 109,688.61
0.17 0.18
0.05 0.45
- 0.20
0.29 -
0.03 0.23
0.20
Commercial 83,385.28
0.27 0.13
0.04 0.27
0.05 0.13
0.00 0.25
0.15 0.15
0.01
Small 29,600.23
0.40 0.83
0.37 0.92
0.91 0.91
0.29 0.77
0.70 0.78
0.09
Micro 14,977.86
1.97 2.17
1.51 2.08
1.69 1.93
1.03 1.51
1.30 1.39
0.09
Consumer 42,559.97
0.33 0.35
0.14 0.45
0.28 0.33
0.08 0.32
0.24 0.35
0.11
Total
280,211.96
0.32 0.33
0.12 0.51
0.22 0.34
0.21 0.28
0.23 0.34
0.11
downgrades and
upgrades are quarterly figures
31
Total Assets Rp49.70 tn
Bond Trading Volume Rp29.2 tn
Total Assets Rp12.79 tn
Total Loans Rp628.71 bn
Total Financing Rp4.0tn
Total Financing Rp39.93 tn
Equity FI Underwriting Rp5.5 tn
Annual FYP Rp 1.69 tn
Net Interest Margin 10.34
Net Interest Margin 3.22
Total Deposits Rp43.31 tn
Equity Trading Volume Rp33.4 tn
Fee Contribution Rp251.29 bn
ROA 2.32
ROA 3.97
ROE 25.66
ROE 11.3
ROE 75.83
ROE 12.33
ROE 23.03
• Remain the leader in syariah financing
• Capital injection program over 3 years
• Cross-sell syariah products to Mandiri customers
• Expansion of business to fully utilize current capital
base • Cross-sell capital market
services to broad range of Mandiri customers
• Refocus business toward higher fee income
• Provide end-to-end bank assurance business
• Continue to build cross- sell opportunities in
various segments • Bank assurance products
complete our suite of consumer offerings
• Enhance operating model • Improve risk management
systems and IT • Improve productivity
•Use Ba k Ma di i s network and customer
throughout Indonesia to develop multi-finance
segment, especially in vehicle-ownership
financing.
Investment Banking Syariah Banking
Insurance Niche Banking
Bank Sinar Harapan Bali
Multi-Finance
32
Loss of Rp52 Bn from the sale of Garuda shares
AXA Man
di ri
Fi nan
ci al
Servi ces
Performances
N e
t Pr
o fi
t Af
ter Ta
x i
n Bn
An n
u al
Fi rs
t Yea
r Pr
em iu
m AFY
P i
n Bn
Of P
o lic
yho ld
er s
89 90
245 235
171 183
408 439
258 234
1Q 10 2Q 10
3Q 10 4Q 10
1Q 11 2Q 11
3Q 11 4Q 11
1Q 12 2Q 12
403 599
549 673
820 742
769 946
796 892
1Q 10 2Q 10
3Q 10 4Q 10
1Q 11 2Q 11
3Q 11 4Q 11
1Q 12 2Q 12
20 .3
Yo Y
Gr o
w th
710,481 810,604
892,582 1,518,536
1,602,778 1,638,543
1,695,242 1,744,124
1,790,508 1,858,702
1Q 10 2Q 10
3Q 10 4Q 10
1Q 11 2Q 11
3Q 11 4Q 11
1Q 12 2Q 12
13 .4
Y o
Y Gr
o w
th
27 .9
Yo Y
Gr o
w th
As o
f Jun 30
Rp T
n
2012 2011
App rai
sal V
al u
e 32
.1 24
.1 33
34
Target 2012 1H Realization
Gross Loan Growth YoY 22 - 24
26.6 Low Cost Deposits Consolidated
300 Tn 260.4 Tn
Net Interest Margins ~ 5.20
5.24 Efficiency Ratio
~ 45 43.6
Gross NPLs 3
2.07 Cost of Credit
~ 1 – 1.2
1.1
of New ATMs 1,500
1,365 of New EDCs
70,000 19,976
of New Micro Outlets 300
71 of New Branches
60 106
35
Operating Performance
Highlights
36 Rp bn
Rp bn
2,057 527
395 286
2,693 202 2,491
741 522
1,075 393
1,088 547
1,106 824
954 1,403
537 1,138
416 1,187
659 1,144
1,011 1,035
2008 2009
2010 2011
Q1 2012 Q1
Q2 Q3
Q4
176.8
2,483
Performance to Date: H1 2012 Contribution Margin after PPAP
Strategies for 2012
1. Implement The Account Plan for top Corporate Banking
Customers to re-identify and have better understanding of
the lie t s usi ess eeds. Improve the organizational
alignment by implementation of the Client Coverage
Concept to execute the Account Plan Strategy.
2. Strengthen business alliances with Mandiri Sekuritas by
offering other external funding solutions to Corporate
Banking client and vice versa.
3. Refocusing overseas branches business to Indonesian related
companies which are located abroad and extent its business
exposure by offering Wealth Management Products.
3,326 3,910
3,569
2,491
Q2 2012 Q2 2011
Y-o-Y
Revenues 171
281 39
• Investment Banking 22
113 81
• Capital Market 106
129 18
• Investment Mgt 43
39 5
• Asset Recovery
Operating Expenses 156
128 22
Earnings After Tax 47
12 492
Equity Transactions – bn
33,377 43,472
23 SUN Transactions - bn
29,186 18,722
56 Bonds Underwritten - bn
5,479 10,670
49
ROA 5.4
6.6 182
ROE 11.3
3.1 465
Rp Bn
37
38
1.
Optimizing Online FX Dealing System, 99 Mandiri Money
Changer and 91 Regional Treasury Marketing.
2.
Enhancing Treasury core system.
3.
Intensifying cooperation with correspondent banks.
4.
Developing infrastructure to focus on remittance, trade and
capital market businesses.
5.
Maintaining NPL ratio by optimizing joint effort and
early warning system EWS.
6.
Optimizing legal actions in collecting written off loans.
7.
Developing procurement partnership for long term
relationship.
8.
Optimizing e-auction for procurement process.
• 2010 – 2012 : Including collection from SAM and excluding International branches except Cayman
• 2011 Including collection from Garuda Indonesia non recurring
468 1,925
53 2,340
17 2,323
210 455
724 3,091
1,159 153
348 1,338
389
1164
322 316
1,247 954
118 263
1,540 1,660
2008 2009
2010 2011
2012
Q1 Q2
Q3 Q4
803 33.3
4,848
1,382 6,094
Performance to Date: H1 2012 Contribution Margin after PPAP
Strategies for 2012
Rp bn Rp bn
2,323
852 923
939 1,010
1,776 946
1,266 1,176
1,314 2,024
714 1,166
1,174 1,057
665 1,094
1,420 1,677
2008 2009 2010 2011 2012
Q1 Q2
Q3 Q4
incl CM of Small Business BSMin June 2010 Decline due to PSAK5055Implementation
39
3,603 361
863 455
4,372 572
3,800
75.8
3,026
1. Supporting Bank Mandiri Wholesale Banking vision as an Integrated
Wholesale Bank through sophisticated, customized and
completed services can increase revenue especially through potential
business like Wholesale Banking Deposit and Fee Income.
2. Increasing profit and market share through customer existing share of
wallet, increasing revenue from new customer and NPL control.
3. Provide best total business solution for customer by developing product
and services including quality bundling product, quick services and
competitive price.
4. Effective Alliance in units based on customer base in Commercial and
Small segment, especially in developing value chain business.
4,449 4,709
5,058
Performance to Date: H1 2012 Contribution Margin after PPAP
Strategies for 2012
Rp bn Rp bn
3,800
6.8 5.6
6.3 6.7
6.3 6.4
6.3 5.6
5.6 6.1
6.6 6.2
6.2 6.4
6.6 6.0
5.9 6.9
7.5 6.9
2005 Q4 06
Q4 07 Q1 08
Q2 08 Q3 08
Q4 08 Q1 09
Q2 09 Q3 09
Q4 09 Q1 10
Q210 Q310
Q410 Q111
Q211 Q311
Q411 Q112
13 .6
12 .3
12 .4
13 .5
13 .0
12 .4
12 .3
12 .7
12 .0
12 .1
12 .3
13 .3
13 .2
13 .0
11 .5
12 .0
5.7 5.4
5.4 5.4
5.3 5.3
5.7 6.2
5.9 5.8 5.6
4.7 4.9
5.0 5.1
5.0 5.5
5.4 5.2
4.5 4.7
10.31 11.15
12.73 13.77
13.25 13.43
14.23 14.94
16.06 17.65
19.87 21.44
23.97 27.09
30.01 34.41
36.73 37.44
39.93
Q4 07 Q1 08
Q2 08 Q3 08
Q4 08 Q1 09
Q2 09 Q3 09
Q4 09 Q1 10
Q210 Q310
Q410 Q1 11
Q2 11 Q3 11
Q4 11 Q1 12
Q2 12
Fi n
an ci
n g
Str ong
gr o
wth fr om
Bank S yari
ah Man
di ri
90.2 91.1