Lap Keu Publikasi 0917 English
CONSOLIDATED FINANCIAL STATEMENTS
PT Bank Mandiri (Persero) Tbk. & Subsidiaries
STATEMENTS OF FINANCIAL POSITION
STATEMENTS OF INCOME AND OTHER COMPREHENSIVE
As of September 30, 2017 and December 31, 2016
For the Period Ended September 30, 2017 and 2016
(In Millions of Rupiah)
INDIVIDUAL
No.
30 September 2017
DESCRIPTION
INDIVIDUAL
No.
31 December 2016 30 September 2017 31 December 2016
(Audited)
(Audited)
10.
11.
12.
13.
14.
15.
16.
17.
18.
19.
20.
21.
TOTAL ASSETS
19,439,227
110,908,251
20,058,007
432,609
21,223,106
103,914,079
19,800,517
240,870
21,026,875
121,210,670
24,223,993
444,796
22,906,775
111,261,518
25,286,905
240,870
2,701,792
105,986,038
6,956,453
4,645,819
3,635,880
11,635,107
3,425,406
96,012,792
15,936,503
3,914,691
3,746,090
14,679,621
26,035,391
108,714,004
21,234,384
4,645,819
4,485,142
11,679,179
25,052,381
98,685,007
27,708,751
3,914,691
5,054,488
14,789,244
605,885,376
6,873,063
-
592,669,270
6,583,203
-
669,987,546
14,379,428
348,144
-
649,322,953
11,855,216
255,409
-
(55,011)
(32,585,371)
(1,769,611)
3,784,029
(2,360,765)
42,479,900
(8,393,598)
(57,584)
(30,762,076)
(2,092,833)
3,502,458
(2,066,144)
42,009,451
(7,550,662)
(72,283)
(34,318,404)
(2,133,050)
4,543,228
(2,589,401)
45,349,563
(10,101,778)
(230,380)
(32,616,760)
(2,430,998)
4,213,322
(2,257,826)
44,736,920
(9,073,630)
108,754
19,815
1,890,991
146,581
19,815
718,439
108,754
20,754
1,890,991
146,814
21,414
718,439
(18,727,064)
18,812,997
(306,136)
4,077,031
34,531,629
(17,283,437)
17,360,910
(291,491)
5,435,589
26,946,346
(18,727,064)
18,812,997
(307,075)
1,789,983
4,535,691
41,485,086
(17,283,437)
17,360,910
(292,430)
834,483
5,990,101
32,534,859
940,665,212
918,181,510
1,078,703,363
1,038,706,009
176,176,809
277,213,890
225,581,013
25,485,394
887,677
4,017,258
11,635,107
10,785,745
30,889,012
1,343,498
180,559,528
273,772,515
233,617,801
9,552,251
503,650
3,353,042
14,679,621
4,975,923
32,050,986
1,517,665
184,810,250
307,715,340
268,964,170
26,163,306
887,667
4,017,258
11,679,179
17,075,488
37,613,850
1,343,498
187,052,253
302,327,614
273,120,837
9,668,280
503,667
3,353,042
14,789,244
8,953,959
36,105,018
1,517,665
22,265,765
786,281,168
19,529,778
774,112,760
21,321,241
33,220,998
914,812,245
19,602,950
28,341,757
885,336,286
16,000,000
(4,333,333)
-
16,000,000
(4,333,333)
-
16,000,000
(4,333,333)
-
16,000,000
(4,333,333)
-
17,476,308
-
17,476,308
-
17,316,192
-
17,316,192
-
8,975
1,029,421
24,796,520
90,326
(140,626)
-
45,441
(497,624)
24,796,520
90,326
(288,663)
-
167,772
669,606
(3,915)
25,140,523
8,151
325,708
-
202,363
(924,074)
25,140,523
17,658
196,567
-
-
-
(106,001)
(92,751)
2,333,333
-
2,333,333
-
2,333,333
-
2,333,333
-
82,233,488
14,889,632
154,384,044
75,375,254
13,071,188
144,068,750
88,384,506
15,069,230
160,971,772
2,919,346
163,891,118
1,078,703,363
80,790,895
13,806,565
150,453,938
2,915,785
153,369,723
1,038,706,009
LIABILITIES
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
Demand deposits **)
Savings deposits **)
Time deposits **)
Investment fund - revenue sharing
Fund from Bank Indonesia
Fund from other banks **)
Spot and derivative liabilities
Securities sold under repurchase agreements (Repo)
Acceptances liabilities
Securities issued
Fund borrowings
Margin deposits received
Inter office liabilities
a. Operational activities conducted in Indonesia
b. Operational activities conducted outside Indonesia
14. Deferred tax liabilities
15. Liability to Unit Link Holders
16. Other liabilities
17. Investment fund - profit sharing
TOTAL LIABILITIES
EQUITY
18. Share capital
a. Authorised capital
b. Unpaid-in capital-/-
c. Treasury stock -/19. Additional Paid-in Capital
a. Agio
b. Disagio -/c. Donated capital
d. Funds for paid-up capital
e. Others
20. Other comprehensive income
a. Adjustment arising from translation of financial statement
b. Gain (Losses) from changes of financial assets on available for sale
c. Effective cash flow hedges
d. Premises and equipment revaluation increment
e. Other comprehensive income from entity associations
f. Remeasurement from actuarial benefit program
g. Income tax related to other comprehensive income
h. Others
21. Difference arising from quasi reorganisation
22. Difference arising from restructuring value of transaction
of entities under common control
23. Other equity
24. Reserve
a. General reserve
b. Appropriated reserve ****)
25. Retained Earning
a. Previous years *)
b. Current year
TOTAL EQUITY ATTRIBUTABLE TO OWNER
26. Non controlling interest
TOTAL EQUITY
TOTAL LIABILITIES AND EQUITY
154,384,044
940,665,212
144,068,750
918,181,510
30 September 2017
OTHER COMPREHENSIVE INCOME
1. Unreclassified to profit (loss)
a. Premises and equipment revaluation increment
b. Remeasurement from actuarial benefit program
c. Other comprehensive income from entity associations
d. Others
e. Income tax related to other comprehensive income
2. Reclassified to profit (loss)
a. Adjustment arising from translation of financial statement
b. Gain (Losses) from changes of financial assets on available for sale
c. Effective cash flow hedges
d. Others
e. Income tax related to other comprehensive income
Other comprehensive income current period after income tax - net
TOTAL OTHER COMPREHENSIVE INCOME CURRENT PERIOD
Income current period atributtable to :
Parent Company
Non controlling interest
TOTAL INCOME CURRENT PERIOD
Total other comprehensive income current period atributtable to :
Parent Company
Non controlling interest
TOTAL OTHER COMPREHENSIVE INCOME CURRENT PERIOD
Total comprehensive income current period atributtable to :
Parent Company
Non controlling interest
TOTAL COMPREHENSIVE INCOME CURRENT PERIOD
*)
Accumulated losses of Rp162,874,901 million has been eliminated against additional paid-in capital/agio through quasi-reorganisation
on April 30, 2003.
**) Consolidated balance includes temporary syirkah funds from a Subsidiary.
***) Including Securities owned by Subsidiary which classified "At Cost", accordance with SFAS 110 "Accounting for Sukuk", which was effective
since January 1, 2012.
****) As of September 30, 2016, Appropriated reserve of Rp9,299,631 million has been reclassified to Retained Earning.
30 September 2016
30 September 2017
30 September 2016
59,308,417
54,101,378
5,207,039
20,469,365
18,477,439
1,991,926
38,839,052
7,782,493
6,001,536
1,780,957
56,885,233
50,872,720
6,012,513
18,228,293
16,804,349
1,423,944
38,656,940
7,550,446
5,254,810
2,295,636
40,620,009
40,952,576
17,227,159
14,415,394
133,019
1,898,765
-
97,831
1,469,596
-
792,891
208,468
9,152,260
356,999
4,684,757
37,915,889
574,044
165,042
8,266,547
185,784
3,656,550
39,405,877
-
-
-
-
12,309,693
1,650
58,621
474,239
205,435
10,287,499
662,689
13,916,063
(20,688,730)
19,931,279
124,328
15,470,444
384,065
5,959
517,944
112,289
9,808,350
730,974
12,251,524
(24,990,483)
15,962,093
4,347
(96,629)
(92,282)
19,838,997
(105)
(22,593)
(22,698)
15,939,395
(3,157,835)
(1,053,134)
15,628,028
(2,364,966)
(937,419)
12,637,010
-
25,588,987
(11,775)
(790,112)
(10,672)
2,668
25,933,025
(11,719)
(790,127)
(36,466)
2,067,306
(392,224)
1,638,616
16,528,248
(33,770)
2,555,455
(442,855)
26,865,930
38,497,486
(34,201)
2,167,544
(6,189)
(414,299)
1,704,851
17,332,879
(68,971)
2,724,755
(474,223)
27,312,740
39,949,750
14,889,632
14,889,632
11,631,556
11,631,556
15,069,230
558,798
15,628,028
12,013,201
623,809
12,637,010
1,638,616
1,638,616
26,865,930
26,865,930
1,674,806
30,045
1,704,851
27,266,818
45,922
27,312,740
38,497,486
38,497,486
16,744,036
588,843
17,332,879
39,280,019
669,731
39,949,750
TRANSFER INCOME (LOSSES) TO HEAD OFFICE
-
-
-
-
DIVIDEND
-
-
-
-
EARNING PER SHARE
-
-
322.91
514.85
(In Millions of Rupiah)
INDIVIDUAL
30 September 2017
Current
I.
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
II.
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
III.
1.
2.
3.
4.
5.
6.
7.
8.
Special Mention
RELATED PARTIES
Placements with other banks
22
a. Rupiah
1,042,254
b. Foreign currencies
Spot and derivative receivables
1,033
a. Rupiah
b. Foreign currencies
Securities
530,342
a. Rupiah
b. Foreign currencies
Securities sold with agreement to
repurchase (Repo)
a. Rupiah
b. Foreign currencies
Securities purchased with agreement to resell
(Reverse Repo)
a. Rupiah
b. Foreign currencies
2,717,233
Acceptances receivables
Loans
15,485
a. Micro, small and medium loans (UMKM)
15,485
i. Rupiah
ii. Foreign currencies
23,722,359
b. Non UMKM
13,754,801
i. Rupiah
9,967,558
ii. Foreign currencies
c. Restructured loans
i. Rupiah
ii. Foreign currencies
12,523
d. Property loans
5,981,665
Investments in shares
Temporary investment
828,093
Other Receivable
Commitments and contingencies
2,012,980
a. Rupiah
5,274,891
b. Foreign currencies
Repossessed assets
THIRD PARTIES
Placements with other banks
9,720,059
a. Rupiah
67,835,206
b. Foreign currencies
Spot and derivative receivables
409,106
a. Rupiah
22,470
b. Foreign currencies
Securities
77,122,216
a. Rupiah
37,991,725
b. Foreign currencies
Securities sold with agreement to
repurchase (Repo)
4,645,819
a. Rupiah
b. Foreign currencies
Securities purchased with
agreement to resell (Reverse Repo)
3,635,880
a. Rupiah
b. Foreign currencies
8,911,349
Acceptances receivables
Loans
a. Micro, small and medium loans (UMKM) 69,007,088
68,472,067
i. Rupiah
535,021
ii. Foreign currencies
463,105,100
b. Non UMKM
387,602,293
i. Rupiah
75,502,807
ii. Foreign currencies
22,123,705
c. Restructured loans
13,669,242
i. Rupiah
8,454,463
ii. Foreign currencies
40,846,265
d. Property loans
Investments in shares
38,779
Temporary investment
20,039,885
Other Receivable
Commitments and contingencies
154,610,911
a. Rupiah
73,096,305
b. Foreign currencies
Repossessed assets
OTHER INFORMATIONS
Value of bank's assets pledge as collateral :
a. To Bank Indonesia
b. To others
Total allowance for impairment on financial
assets to earning assets
Total required allowance for possible
losses on earning assets
Percentage of UMKM loans to total loans
Percentage of UMK loans to total loans
Percentage of UMKM debtors to total debtors
Percentage of UMK debtors to total debtors
Others
a. Chanelling of loans
b. Mudharabah Muqayyadah financing
c. Write off on earning assets
d. Recovery of write off on earning assets
e. Write off on earning assets with
elimination of right to collect
Sub Standard
30 September 2016
Doubtful
Loss
Total
Current
6.
7.
8.
9.
10.
11.
Total
22
1,301,948
-
-
-
-
-
-
-
-
-
1,033
-
14,466
-
-
-
-
-
14,466
-
-
-
-
-
530,342
-
378,875
-
-
-
-
-
378,875
-
-
-
-
-
-
-
-
-
-
-
-
22
1,042,254
-
-
-
-
2,717,233
3,279,857
-
-
-
-
3,279,857
3,795
3,795
85
-
825,227
-
5
5
-
58
58
25,191
-
15,485
15,485
23,726,217
13,758,659
9,967,558
12,608
6,832,083
828,093
1,055
1,055
19,492,978
9,505,668
9,987,310
7,629
5,024,630
311,438
1,927
1,927
225
-
723,227
-
-
25,191
-
1,055
1,055
19,494,905
9,507,595
9,987,310
7,854
5,773,048
311,438
248
-
-
-
-
2,013,228
5,274,891
-
3,018,784
4,516,107
-
333
-
-
-
-
3,019,117
4,516,107
-
-
-
-
52,031
9,720,059
67,887,237
7,502,297
51,693,886
-
-
-
47,788
7,502,297
51,741,674
-
-
-
-
409,106
22,470
530,013
711
-
-
-
-
530,013
711
-
-
-
-
77,122,216
37,991,725
74,662,822
32,576,094
-
-
-
21,590
74,662,822
32,597,684
-
-
-
-
4,645,819
-
14,182,430
-
-
-
-
-
14,182,430
-
6,525
-
-
-
3,635,880
8,917,874
661,761
-
-
-
-
661,761
8,930,699
49,386
20,236
-
613
9,000,934
5,495,592
5,484,322
11,270
21,877,961
19,219,651
2,658,310
13,011,135
10,612,958
2,398,177
3,949,477
160,170
698,830
698,008
822
4,584,938
4,583,308
1,630
4,121,915
4,121,915
205,056
8,511
1,026,255
1,026,255
2,350,900
2,225,412
125,488
2,101,327
1,975,840
125,487
211,487
483
1,823,774
1,823,774
12,173,236
10,947,163
1,226,073
8,575,617
7,731,648
843,969
798,194
1,955
246
1,081,833
78,051,539
77,504,426
547,113
504,092,135
424,577,827
79,514,308
49,933,699
38,111,603
11,822,096
46,010,479
1,955
39,025
21,290,882
66,664,710
66,371,074
293,636
427,705,200
366,538,252
61,166,948
16,841,309
11,487,378
5,353,931
38,419,562
12,880,265
6,169,050
6,067,361
101,689
19,624,691
16,273,577
3,351,114
13,204,995
10,556,974
2,648,021
3,269,565
52,594
785,779
785,779
3,834,226
3,516,146
318,080
3,423,830
3,265,195
158,635
122,840
1,341
1,021,075
1,021,075
1,413,453
1,301,620
111,833
936,722
936,722
126
3,200,495
3,200,495
10,405,826
8,016,255
2,389,571
4,911,606
3,519,198
1,392,408
580,545
1,955
135
1,214,529
77,841,109
77,445,784
395,325
462,983,396
395,645,850
67,337,546
39,318,462
29,765,467
9,552,995
42,530,156
1,955
135
14,148,855
1,273,623
327,396
-
48,297
-
14,217
-
33,100
1,264
19,815
155,980,148
73,424,965
19,815
140,457,844
58,314,669
-
694,155
366,965
-
1,223
1,974
-
6,237
-
27,200
879
19,815
141,186,659
58,684,487
19,815
-
-
34,409,993
30,125,642
25,475,969
12.88%
6.26%
53.38%
51.03%
24,035,928
13.89%
6.25%
57.14%
54.29%
306,299
7,919,820
2,538,082
337,538
6,132,509
2,049,968
-
Allowance for Impairment
Collective
Placements with other banks
52,031
Spot and derivative receivables
Securities
44,627
10,384
Securities sold with agreement to repurchase (Repo)
Securities purchased with agreement to resell
(Reverse Repo)
Acceptances receivables
144,604
40,529
Loans
23,992,368 8,593,003
Investments in shares
71,239
Temporary invesment
634
Other Receivable
1,371,703
88,871
Commitments and contingencies
188,234
25,247
General
200,060
4,176
235,960
4,396
116,286
5,558,500
5,551
388
208,680
921,665
Specific
52,031
-
Allowance for Impairment
Individual Collective
47,788
40,587
-
23,455
11,824
-
326
111,712
17,847,079 19,330,278
150,930
50,360
246
135
1,091,360 1,719,278
73,012
151,844
39,123
8,701,753
49,349
18,385
No.
TRANSACTION
Required Allowance for Possible
Losses of Earning Assets
General
164,524
5,330
231,688
-
(In Millions of Rupiah)
Specific
47,788
21,590
-
6,618
122,106
6,118
5,138,639 16,806,369
53
135,630
135
131,917 1,217,423
897,052
31,086
NOTIONAL AMOUNT
A.
1.
2.
3.
4.
5.
6.
B.
1.
2.
3.
4.
5.
C.
Exchange Rate Related
Spot
Forward
Option
a. Written
b. Purchased
Future
Swap
Others
Interest Rate Related
Forward
Option
a. Written
b. Purchased
Future
Swap
Others
Others
TOTAL
Type
Trading
Derivative Receivables & Payables
Hedging
Receivables
10,813,696
6,470,932
94,503
12,086,273
14,748
149,504
11,717
95,524
1,007
3,623,845
80,352,127
-
71,478,065
-
1,007
3,623,845
8,874,062
-
3
27,840
159,966
-
5
24,118
642,517
-
-
-
-
-
-
- 20,645,309
- 10,463,957
88,762,693 55,788,956
35,442
45,106
432,609
24,464
89,332
887,677
20,645,309
10,463,957
144,551,649
(In %)
INDIVIDUAL
RATIOS
30 September 2017
INDIVIDUAL
30 September 2016
PERFORMANCE RATIOS
1. Capital Adequacy Ratio (CAR)
22.63%
to total earning assets and non earning assets
2.30%
3. Non performing earning assets to total earning assets
2.90%
2.33%
2.93%
7. Return on Asset (ROA)
4.05%
3.74%
0.85%
2.72%
3.88%
3.69%
1.04%
2.35%
8. Return on Equity (ROE)
14.68%
13.76%
9. Net Interest Margin (NIM)
5.64%
71.85%
89.05%
6.40%
77.13%
89.90%
2. Non performing earning assets and non
performing non earning assets
4. Allowance for impairment on financial assets to
6. Net NPL
10. Operating Expenses to Operating Income
11. Loan to Deposit Ratio (LDR)
RATIOS
30 September 2017
30 September 2016
COMPLIANCE
21.98%
5. Gross NPL
No.
1. a. Percentage violation of the Legal Lending Limit
i. Related parties
0.00%
0.00%
ii. Third parties
0.00%
0.00%
i. Related parties
0.00%
0.00%
ii. Third parties
0.00%
0.00%
a. Primary reserve requirement Rupiah
6.58%
6.50%
b. Reserve requirement Foreign currencies
8.40%
8.14%
2.16%
5.70%
b. Percentage of excess of the Legal Lending Limit
2. Reserve requirement
3. Net Open Position - Overall
152,505,657
152,505,657
11,666,667
149,258,336
149,481,128
26,377,867
11,801
8.50%
0.00%
1.07%
7.89%
0.00%
1.11%
142,523,927
142,523,927
11,666,667
138,158,533
138,701,670
26,248,049
170,598
45,078
183,027
930,309
1,066,746
24,796,520
25,140,523
116,932,761 123,103,261
17,476,308
17,316,192
2,333,333
2,333,333
82,233,488
88,384,506
14,889,632
15,069,230
(221,853)
(222,792)
(2,826)
(2,826)
893,566
24,796,520
106,816,451
17,476,308
2,333,333
75,375,254
11,631,556
(542,198)
(294,270)
924,499
25,140,523
112,453,621
17,316,192
2,333,333
80,790,895
12,013,201
(543,137)
(294,270)
(2,826)
(2,826)
(9,074)
(9,074)
(219,027)
-
(219,966)
-
(285,196)
(247,928)
-
(285,196)
(248,867)
-
-
-
-
-
(219,027)
(12,288,094)
(4,077,031)
(1,423,264)
(6,762,799)
(25,000)
-
(219,966)
515,616
(8,934,962)
(4,324,958)
(117,741)
(1,522,186)
(2,945,077)
(25,000)
-
(247,928)
(9,941,285)
(3,021,633)
(1,172,411)
(5,722,241)
(25,000)
-
(248,867)
311,457
(7,612,730)
(3,290,079)
(117,741)
(1,260,456)
(2,919,454)
(25,000)
-
-
-
-
-
7,323,238
8,075,566
6,929,088
7,592,731
190,146
7,133,092
-
190,146
7,885,420
-
334,341
6,594,747
-
334,341
7,258,390
-
149,151,349
160,581,223
140,663,887
150,116,658
CONSOLIDATED
7.90%
0.00%
1.10%
CONSOLIDATED
133,734,799
133,734,799
11,666,667
132,009,417
132,551,615
25,735,164
KPMM Ratio
CET 1 Ratio (%)
Tier 1 Ratio (%)
Tier 2 Ratio (%)
KPMM Ratio (%)
CET 1 FOR BUFFER (%)
PERCENTAGE OF BUFFER MANDATORY
FILLED BY BANK(%)
Capital conservation buffer (%)
Countercyclical Buffer (%)
Capital Surcharge for Systemic Bank (%)
30 September 2017
30 September 2016
INDIVIDUAL
CONSOLIDATED
INDIVIDUAL
20.90%
20.90%
1.08%
21.98%
12.42%
20.17%
20.17%
1.07%
21.24%
11.67%
21.51%
21.51%
1.11%
22.63%
13.63%
20.63%
20.63%
1.10%
21.73%
12.73%
1.25%
0.00%
1.25%
1.25%
0.00%
1.25%
0.625%
0.00%
0.625%
0.625%
0.00%
0.625%
INDIVIDUAL
No.
DESCRIPTION
30 September 2017
I. COMMITMENT RECEIVABLES
1. Unused fund borrowings facilities
a. Rupiah
b. Foreign currencies
2. Outstanding purchase position on spot and derivative
3. Others
II. COMMITMENT PAYABLES
1. Unused loan facilities granted to customer
a. BUMN
i. Committed
- Rupiah
- Foreign currencies
ii. Uncommitted
- Rupiah
- Foreign currencies
b. Others
i. Committed
ii. Uncommitted
2. Unused loan facilities granted to other banks
a. Committed
i. Rupiah
ii. Foreign currencies
b. Uncommitted
i. Rupiah
ii. Foreign currencies
3. Outstanding irrevocable letters of credit
a. Foreign L/C
b. Local L/C
4. Outstanding sales position on spot and derivative
5. Others
III. CONTINGENT RECEIVABLES
1. Guarantees received
a. Rupiah
b. Foreign currencies
2. Unrecognized interest income
a. Interest loan
b. Others interest
3. Others
IV. CONTINGENT PAYABLES
1. Guarantees issued
a. Rupiah
b. Foreign currencies
2. Others
CASH FLOWS FROM OPERATING ACTIVITIES
Receipts from interest income
Receipts from sharia income
Receipts from fees, commissions
and premium - net
Payments of interest expense
Payments of sharia expenses
Receipts from the sale of Government
Bonds - Fair value through profit or loss
Acquisition of Government Bonds - Fair
value through profit or loss
Foreign exchange (losses)/gain - net
Other operating income - others
Other operating expenses - others
Salaries and employee benefits
General and administrative expenses
Non operating expenses - net
Payment of corporate income tax
Cash Flow From Operating Activities Before
Changes in Operating Assets and Liabilities
Decrease/(increase) in operating assets:
Placements with Bank Indonesia and other banks
Marketable securities - Fair value through profit or loss
Other receivables - trade transactions
Loans
Sharia financing
Securities purchased under resale agreements
Consumer financing receivable
Net investment in lease financing
Prepaid taxes
Prepaid expense
Other assets
Proceeds from collection of financial
assets already written - off
Increase/(decrease) in operating liabilities
and temporary syirkah funds:
Conventional Banking
Demand deposits
Saving deposits
Time deposits
Inter-bank call money
Obligation due immediately
Liability to unit - linked policyholders
Other taxes payable
Other liabilities
Sharia Banking - Temporary Syirkah Funds
Demand deposit - restricted investment and
demand deposit - mudharabah musytarakah
Saving deposit - restricted investment and mudharabah
saving deposit - unrestricted investment
Mudharabah time deposit - unrestricted investment
Net cash provided by operating activities
CASH FLOWS FROM INVESTING ACTIVITIES
Increase in marketable securities - other than at
fair value through profit or loss
Decrease in Government Bonds - other than
at fair value through profit or loss
Proceeds from sale of fixed assets
Acquisition of fixed assets
Acquisition of intangible assets
Net cash provided by investing activities
CASH FLOWS FROM FINANCING ACTIVITIES
Increase of investment in Subsidiaries
Increase in marketable securities issued
Increase/(decrease) in fund borrowings
Decrease of Subordinated Loans
Increase in securities sold under repurchase agreements
Payments of dividend
Net cash provided by financing activities
NET INCREASE IN CASH AND CASH EQUIVALENTS
EFFECT OF EXCHANGE RATE CHANGES ON
CASH AND CASH EQUIVALENTS
CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD
CASH AND CASH EQUIVALENTS AT END OF PERIOD
Cash and cash equivalents at end of period consist of :
Cash
Current accounts with Bank Indonesia
Current accounts with other banks
Placements with Bank Indonesia and other banks
Certificate of Bank Indonesia
2,081,550
-
CONSOLIDATED
31 December 2016
(Audited)
30 September 2017
517,108
-
2,081,550
-
31 December 2016
(Audited)
517,108
-
5,517,257
5,500,729
4,957,430
1,017,119
5,517,257
5,500,729
4,957,430
1,017,119
19,384,681
2,486,954
22,483,005
3,184,070
19,384,681
2,486,954
22,483,005
3,184,070
21,346,128
82,332,325
20,887,034
66,946,874
21,346,128
83,174,388
20,887,137
67,856,900
31,175
-
35,685
-
31,175
-
35,685
-
2,000
-
-
2,000
-
-
11,967,019
4,335,114
960,800
-
8,944,724
3,143,078
880,595
-
11,990,030
4,365,235
1,049,771
-
8,952,789
3,143,877
880,595
-
1,700,036
13,165,887
1,766,173
15,780,336
1,700,036
13,357,560
1,766,173
15,975,471
7,687,541
51,998
32,729
6,397,668
51,949
32,729
7,700,889
323,088
32,729
6,411,985
381,171
32,729
43,627,920
40,161,930
551,904
43,881,089
42,882,472
492,556
43,695,655
40,807,151
551,904
43,939,477
43,491,367
907,215
NOTES
(In millions of Rupiah)
CONSOLIDATED
30 September 2016
52,133,683
4,702,898
50,990,939
4,017,446
10,901,290
(18,094,966)
(1,862,325)
10,533,571
(16,222,978)
(1,709,270)
39,297,210
39,950,597
(39,058,230)
(15,671)
1,773,140
(4,004,938)
(10,704,649)
(9,671,780)
(96,629)
(3,804,040)
(39,985,693)
7,616,866
1,356,862
(3,373,223)
(10,240,309)
(9,144,736)
(22,698)
(3,271,302)
21,494,993
30,496,072
(1,612,105)
107,077
(5,957,357)
(25,383,944)
(4,985,118)
569,346
(2,963,004)
(957,300)
(386,405)
(533,929)
(2,873,703)
916,914
(5,128,950)
731,812
(31,580,573)
(3,096,830)
(1,449,777)
(2,290,170)
(121,193)
1,652,002
(724,079)
(680,726)
2,913,519
2,325,060
(2,859,078)
4,518,552
10,029,276
1,018,335
420,272
1,718,291
373,287
6,322,014
(9,330,488)
1,682,178
22,247,818
(2,273,741)
460,501
3,293,529
(212,145)
3,526,380
188,931
(760)
999,753
1,581,483
3,743,186
832,967
2,216,216
13,492,017
(4,000,905)
(6,905,138)
1,142,786
17,405
(636,352)
(329,906)
(3,806,972)
4,313,778
109,907
(1,426,696)
(57,487)
(3,965,636)
(661,222)
8,117,184
1,387,287
(25,286)
664,216
(6,212,954)
3,269,225
3,205,439
(708,706)
5,960,572
(980,640)
(44,709)
8,186,827
(6,100,490)
6,312,854
15,839,235
2,591,952
157,560,107
163,357,498
(8,034,181)
125,667,407
133,472,461
21,026,875
58,639,970
10,202,082
72,490,135
998,436
20,126,036
48,039,364
9,668,551
55,638,510
-
163,357,498
133,472,461
1. The above financial information is extracted from the consolidated financial
statements of PT Bank Mandiri (Persero) Tbk. (the "Bank") and its subsidiaries as of
September 30, 2017 and 2016 and for the nine-months period then ended,
prepared by the Bank's management in accordance with Indonesian Financial
Accounting Standards (unaudited). The consolidated financial statements of the
Bank and its subsidiaries as of December 31,2016 and for the period then ended,
which have been audited by Purwantono, Sungkoro&Surja ("PSS") (a member firm
of Ernst & Young Global Limited) with Danil Setiadi Handaja, CPA as partner in
charge, independent auditors, with an unmodified audit opinion, as stated in their
report dated Januari 30, 2017.
2. The above published financial statements are presented to comply with Financial
Services Authority Regulation No.6/POJK.03/2015 dated March 31, 2015 which is
amended by Financial Services Authority Regulation No.32/POJK.03/2016 dated
August 8, 2016 regarding Amendment of Financial Services Authority Regulation
No. 6/POJK.03/2015 regarding Transparency and Published Financial Statements of
the Bank and Circular Letter of Financial Services Authority No. 43/SEOJK.03/2016
dated September 28, 2016 regarding Transparency and Published Financial
Statements of Commercial Banks and also in accordance with Rule No. X.K.2,
Attachment to Decision of Chairman of Bapepam and LK No. Kep-346/BL/2011
dated July 5, 2011 regarding Submission of Periodic Financial Statements for
Issuers or Public Companies. Financial information and statement of cash flows
included in the published financial statements have been prepared in accordance
with Bapepam and LK Regulation No.VIII.G7, Attachment to Decision of Chairman
of Bapepam and LK No. Kep-347/BL/2012 dated June 25, 2012.
3. Composite value/rating of Bank Mandiri's Good Corporate Governance as at June
30, 2017 is 2 (Good) - The management of the Bank has made the implementation
of Good Corporate Governance in general good. This is reflected in an adequate
fulfillment of the principles of good corporate governance. In the event that there
is a weakness in applying the Good Corporate Governance, these weaknesses are
generally less significant and can be resolved with normal actions by the Bank
Management.
4. Related Parties in the Assets' Quality and Other Information Report are presented
in accordance with Bank Indonesia Regulation No. 8/13/PBI/2006 dated October 5,
2006 regarding Amendment of Bank Indonesia Regulation No. 7/3/PBI/2005 dated
January 20, 2005 regarding The Legal Lending Limit for Commercial Banks.
5. Exchange rate of 1 US Dollar as at September 30, 2017, September 30 ,2016 and
December 31,2016 were Rp13,471.50; Rp13,051.00 and Rp13,472.50 respectively
Herewith are some of the achievements of Bank Mandiri:
• The Best Bank Service Excellence (2008 -2017)
Infobank
• Platinum Trophy for Excellent Performance for 10 consecutive Years
Infobank
• The Legend in Good Corporate Governance (2007-2016)
The Indonesian Institute For Corporate Governance
• Supporting Bank in Monetary and Foreign Exchange Management
Bank Indonesia
• Best Private Bank
Finance Asia
• The Best Cash Management Bank in Indonesia
The Asian Banker
• Best Bank In Indonesia
Euromoney
• Best Domestic Bank In Indonesia
Asiamoney
•
•
•
•
Best Bank In Indonesia
Best Forex Bank For Corporate & Fls
Best Private Wealth Management
Best Cash Management
Alpha Southeast Asia
MANAGEMENT OF THE BANK
www.bankmandiri.co.id
Board of Commissioners
- President Commissioner/
Independent Commissioner
- Deputy President Commissioner
- Independent Commissioner
- Independent Commissioner
- Independent Commissioner
- Commissioner
- Commissioner
- Commissioner
: Hartadi Agus Sarwono *)
: Imam Apriyanto Putro
: Goei Siauw Hong
: Bangun Sarwito Kusmulyono
: Makmur Keliat
: Askolani
: Ardan Adiperdana
: R. Widyo Pramono *)
Board of Directors
- President Director
- Deputy President Director
- Director of Operations
- Director of Wholesale Banking
- Director of Distributions
- Director of Retail Banking
- Director of Risk Management & Compliance
- Director of Institutional
- Director of Digital Banking & Technology
- Director of Treasury
: Kartika Wirjoatmodjo
: Sulaiman Arif Arianto
: Ogi Prastomiyono
: Royke Tumilaar
: Hery Gunardi
: Tardi
: Ahmad Siddik Badruddin
: Kartini Sally
: Rico Usthavia Frans
: Darmawan Junaidi **)
SHAREHOLDERS
Republic of Indonesia
Non Ultimate Shareholder through
Capital Market (≥ 5%)
CONSOLIDATED
(In Millions of Rupiah)
As of September 30, 2017 and December 31, 2016
Total cash and cash equivalents
Payables
10,908,199
18,557,205
141,828,111
141,828,111
11,666,667
142,449,538
142,671,391
25,738,630
INDIVIDUAL
30 September 2016
INDIVIDUAL
570,647,320 630,833,627 527,579,736 580,671,189
3,270,323
3,668,861 2,027,839
2,428,284
104,792,639 121,563,432 92,008,869 107,636,532
678,710,282 756,065,920 621,616,444 690,736,005
9.56%
9.57%
9.00%
9.00%
8.48%
0.00%
1.08%
CONSOLIDATED
STATEMENTS OF COMMITMENTS AND CONTINGENCIES
30 September 2017
INDIVIDUAL
30 September 2016
Required Allowance for Possible
Losses of Earning Assets
As of September 30, 2017
CONSOLIDATED
30 September 2016
INDIVIDUAL
*) Capital Adequacy Ratio as of September 30, 2017 and 2016 has been calculated based on POJK No.34/POJK.03/2016 dated September 22, 2016 regarding
Minimum Capital Adequacy Requirement for commercial Bank.
For the Period Ended September 30, 2017 and 2016
STATEMENTS OF SPOT AND DERIVATIVE TRANSACTIONS
As of September 30, 2017 and 2016
earning assets
RISK WEIGHTED ASSETS
CREDIT RISK - WEIGHTED ASSETS
MARKET RISK - WEIGHTED ASSETS
OPERATIONAL RISK - WEIGHTED ASSETS
TOTAL RISK WEIGHTED ASSETS
CAR BASED ON RISK PROFILE (%)
CAPITAL ALLOCATION FOR CAR
BASED ON RISK PROFILE
From CET 1 (%)
From AT 1 (%)
From Tier 2 (%)
STATEMENTS OF CASH FLOW
-
CALCULATION OF FINANCIAL RATIOS
No.
22
1,301,948
INDIVIDUAL
DESCRIPTION
30 September 2017
1.
2.
3.
4.
5.
Loss
-
(In Millions of Rupiah)
Individual
Doubtful
-
As of September 30, 2017 and 2016
DESCRIPTION
Sub Standard
-
ALLOWANCES FOR IMPAIRMENT
No
Special Mention
I. Core Capital (Tier 1)
1. Common Equity Tier 1 (CET 1)
1.1 Paid-in Capital (net of Treasury Stock)
1.2 Disclosed Reserves
1.2.1 Additional Factor
1.2.1.1 Other comprehensive income
1.2.1.1.1 Excess differences arising from translation
of financial statement
1.2.1.1.2 Potential gain of the increase in the fair value
of financial assets available for sale
1.2.1.1.3 Surplus of fixed assets revaluation
1.2.1.2 Other disclosed reserves
1.2.1.2.1 Agio
1.2.1.2.2 General reserves
1.2.1.2.3 Previous year profit
1.2.1.2.4 Current year profit
1.2.1.2.5 Funds for paid-in capital
1.2.1.2.6 Others
1.2.2 Deduction Factor
1.2.2.1 Other comprehensive income
1.2.2.1.1 Negative differences arising from translation
of financial statement
1.2.2.1.2 Potential losses from the decrease in the fair
value of financial assets available for sale
1.2.2.2. Other disclosed reserves
1.2.2.2.1 Disagio
1.2.2.2.2. Previous year loss
1.2.2.2.3 Current year loss
1.2.2.2.4 Negative difference in allowance for possible losses and
allowance for impairment on earning assets
1.2.2.2.5 Negative difference in adjusment amounts from fair value
of financial assets in trading book
1.2.2.2.6 Required allowance for non earning assets
1.2.2.2.7 Others
1.3 Non controlling interest
1.4 Deduction Factor of CET 1
1.4.1 Deffered tax calculation
1.4.2 Goodwill
1.4.3 Other intangible assets
1.4.4 Investments in share
1.4.5 Shortfall of capital on insurance subsidiaries
1.4.6 Securitisation exposure
1.4.7 Other deduction of CET 1
1.4.7.1 Placement of funds in instrumen AT 1 and/or Tier 2 to other bank
1.4.7.2 Cross-ownership in another entity acquired by the transition
due to law, grants, or grants will
2. Additional Tier 1 (AT 1)
2.1 Instrument which comply with AT 1 requirements
2.2 Agio/Disagio
2.3 Deduction factor of AT 1
2.3.1 Placement of funds in instrumen AT 1 and/or Tier 2 to other bank
2.3.2 Cross-ownership in another entity acquired by the
transition due to law, grants, or grants will
II. Supplemental Capital (Tier 2)
1. Capital Instrument in the form of Stock or others which
comply with Tier 2 Requirements
2. Agio/Disagio
3. General provison on earning assets (max. 1.25% credit risk - weighted assets)
4. Deduction supplemental capital (Tier 2)
4.1 Sinking Fund
4.2 Placement of funds in instrumen AT 1 and/or Tier 2 to other bank
4.3 Cross-ownership in another entity acquired by
the transition due to law, grants, or grants will
TOTAL CORE AND SUPPLEMENTAL CAPITAL
30 September 2017
16,528,248
16,528,248
As of September 30, 2017 and 2016
DESCRIPTION
(In Millions of Rupiah)
30 September 2017
STATEMENTS OF ASSETS' QUALITY AND OTHER INFORMATION
No.
As of September 30, 2017 and 2016
COMPONENTS OF CAPITAL
DESCRIPTION
A. Interest and Sharia Income, Interest and Sharia Expenses, and Premium Income and Claim Expenses
50,845,424
1. Interest and Sharia Income
49,946,288
45,869,361
a. Rupiah
44,101,144
4,976,063
b. Foreign currencies
5,845,144
17,431,701
2. Interest and Sharia Expenses
15,751,817
15,453,339
a. Rupiah
14,340,679
1,978,362
1,411,138
b. Foreign currencies
33,413,723
34,194,471
Net Interest Income and Sharia Income (Expenses)
3. Premium Income
4. Claim Expense
Net Premium Income (Claim Expenses)
Net Interest and Sharia Income (Expenses),
33,413,723
34,194,471
and Net Premium Income (Claim Expenses)
B. Other Operating Income and Expenses
15,468,454
13,257,147
1. Other Operating Income
a. Increase in fair value of financial assets
1,089
i. Securities
ii. Loans
1,898,765
iii. Spot and derivative
1,469,596
iv. Other financial assets
b. Decrease in fair value of financial liabilities
c. Gain from sale of financial assets
758,469
i. Securities
528,473
ii. Loans
iii. Other financial assets
d. Gain from spot and derivative transaction (realised)
170,699
141,237
e. Dividend
817,030
702,267
f. Gain from investment in shares with equity method
g. Comissions/provisions/fees and administrative
8,397,892
7,661,331
h. Recovery on allowance for impairment
334,739
185,784
i. Other income
3,089,771
2,568,459
2. Other Operating Expenses
30,217,863
32,995,009
a. Decrease in fair value of financial assets
8,115
i. Securities
ii. Loans
iii. Spot and derivative
iv. Other financial assets
b. Increase in fair value of financial liabilities
c. Losses from sale of financial assets
i. Securities
ii. Loans
iii. Other financial assets
d. Losses from spot and derivative transaction (realised)
e. Impairment for financial assets
124,532
i. Securities
14,430,250
10,154,343
ii. Loans
iii. Sharia financing
70,482
iv. Other financial assets
5,959
58,621
f. Losses related to operational risk
g. Losses from investment in shares under equity method
514,701
444,216
h. Comissions/provisions/fees and administrative
118,631
273
i. Impairment on non financial assets
8,017,060
7,708,019
j. Salaries and employee benefits
551,250
636,177
k. Promotion expenses
10,873,742
9,496,501
l. Other expenses
Other Operating Income (Expenses)
(14,749,409)
(19,737,862)
PROFIT (LOSS) FROM OPERATIONS
18,664,314
14,456,609
NON OPERATING INCOME AND EXPENSES
1. Gain (Losses) from sale of premises and equipment
1,194
(156)
2. Gain (Losses) from foreign currencies translation
3. Other non operating income (expenses)
(6,706)
3,058
PROFIT FROM NON OPERATING
(5,512)
2,902
PROFIT CURRENT PERIOD BEFORE TAX
18,658,802
14,459,511
Income tax expenses
(2,802,836)
(1,971,407)
a. Estimated current tax
(966,334)
(856,548)
b. Deffered tax income (expenses)
PROFIT CURRENT PERIOD
14,889,632
11,631,556
LIABILITIES AND EQUITY
STATEMENTS OF CALCULATION OF CAPITAL ADEQUACY RATIO COMMERCIAL BANK *)
CONSOLIDATED
OPERATING INCOME AND EXPENSES
Cash
Placements with Bank Indonesia
Placements with other banks
Spot and derivative receivables
Securities
a. Fair value through profit/loss
b. Available for sale
c. Held to maturity ***)
d. Loans and receivables
Securities sold under repurchase agreements (Repo)
Securities purchased under resale agreements (Reverse Repo)
Acceptances receivables
Loans
a. Fair value through profit/loss
b. Available for sale
c. Held to maturity
d. Loans and receivables
Consumer financing receivables
Sharia financing
Investments in shares
Policy holder's investment in Unit Link Contract
Allowance for impairment on financial assets -/a. Securities
b. Loans
c. Others
Intangible assets
Accumulated amortisation for intangible assets -/-
Premises and equipment
Accumulated depreciation for premises and equipment -/Non earning assets
a. Abandoned properties
b. Repossessed assets
c. Suspense account
d. Inter office assets
i. Operational activities conducted in Indonesia
ii. Operational activities conducted outside Indonesia
Allowance for impairment on non financial assets -/Lease Financing
Deferred tax assets
Other assets
6.
7.
8.
9.
(In Millions of Rupiah)
CONSOLIDATED
ASSETS
1.
2.
3.
4.
5.
Leading, Trusted. Enabling growth.
: 60.00%
: Nill
*) Appointed at the Extraordinary General Meeting of Shareholders of Bank Mandiri dated August 21, 2017, the
appointment of the commissioner will become effective after approval by the Otoritas Jasa Keuangan on Fit &
Proper Test and meet the prevailing regulations.
**) Appointed at the Extraordinary General Meeting of Shareholders of Bank Mandiri dated August 21, 2017, the
appointment of the director of treasury will become effective after approval by the Otoritas Jasa Keuangan on
Fit & Proper Test and meet the prevailing regulations.
Jakarta, October 25, 2017
S. E & O
Board of Directors
PT Bank Mandiri (Persero) Tbk.
Sulaiman Arif Arianto
Deputy President Director
Kartika Wirjoatmodjo
President Director
PT Bank Mandiri (Persero) Tbk. & Subsidiaries
STATEMENTS OF FINANCIAL POSITION
STATEMENTS OF INCOME AND OTHER COMPREHENSIVE
As of September 30, 2017 and December 31, 2016
For the Period Ended September 30, 2017 and 2016
(In Millions of Rupiah)
INDIVIDUAL
No.
30 September 2017
DESCRIPTION
INDIVIDUAL
No.
31 December 2016 30 September 2017 31 December 2016
(Audited)
(Audited)
10.
11.
12.
13.
14.
15.
16.
17.
18.
19.
20.
21.
TOTAL ASSETS
19,439,227
110,908,251
20,058,007
432,609
21,223,106
103,914,079
19,800,517
240,870
21,026,875
121,210,670
24,223,993
444,796
22,906,775
111,261,518
25,286,905
240,870
2,701,792
105,986,038
6,956,453
4,645,819
3,635,880
11,635,107
3,425,406
96,012,792
15,936,503
3,914,691
3,746,090
14,679,621
26,035,391
108,714,004
21,234,384
4,645,819
4,485,142
11,679,179
25,052,381
98,685,007
27,708,751
3,914,691
5,054,488
14,789,244
605,885,376
6,873,063
-
592,669,270
6,583,203
-
669,987,546
14,379,428
348,144
-
649,322,953
11,855,216
255,409
-
(55,011)
(32,585,371)
(1,769,611)
3,784,029
(2,360,765)
42,479,900
(8,393,598)
(57,584)
(30,762,076)
(2,092,833)
3,502,458
(2,066,144)
42,009,451
(7,550,662)
(72,283)
(34,318,404)
(2,133,050)
4,543,228
(2,589,401)
45,349,563
(10,101,778)
(230,380)
(32,616,760)
(2,430,998)
4,213,322
(2,257,826)
44,736,920
(9,073,630)
108,754
19,815
1,890,991
146,581
19,815
718,439
108,754
20,754
1,890,991
146,814
21,414
718,439
(18,727,064)
18,812,997
(306,136)
4,077,031
34,531,629
(17,283,437)
17,360,910
(291,491)
5,435,589
26,946,346
(18,727,064)
18,812,997
(307,075)
1,789,983
4,535,691
41,485,086
(17,283,437)
17,360,910
(292,430)
834,483
5,990,101
32,534,859
940,665,212
918,181,510
1,078,703,363
1,038,706,009
176,176,809
277,213,890
225,581,013
25,485,394
887,677
4,017,258
11,635,107
10,785,745
30,889,012
1,343,498
180,559,528
273,772,515
233,617,801
9,552,251
503,650
3,353,042
14,679,621
4,975,923
32,050,986
1,517,665
184,810,250
307,715,340
268,964,170
26,163,306
887,667
4,017,258
11,679,179
17,075,488
37,613,850
1,343,498
187,052,253
302,327,614
273,120,837
9,668,280
503,667
3,353,042
14,789,244
8,953,959
36,105,018
1,517,665
22,265,765
786,281,168
19,529,778
774,112,760
21,321,241
33,220,998
914,812,245
19,602,950
28,341,757
885,336,286
16,000,000
(4,333,333)
-
16,000,000
(4,333,333)
-
16,000,000
(4,333,333)
-
16,000,000
(4,333,333)
-
17,476,308
-
17,476,308
-
17,316,192
-
17,316,192
-
8,975
1,029,421
24,796,520
90,326
(140,626)
-
45,441
(497,624)
24,796,520
90,326
(288,663)
-
167,772
669,606
(3,915)
25,140,523
8,151
325,708
-
202,363
(924,074)
25,140,523
17,658
196,567
-
-
-
(106,001)
(92,751)
2,333,333
-
2,333,333
-
2,333,333
-
2,333,333
-
82,233,488
14,889,632
154,384,044
75,375,254
13,071,188
144,068,750
88,384,506
15,069,230
160,971,772
2,919,346
163,891,118
1,078,703,363
80,790,895
13,806,565
150,453,938
2,915,785
153,369,723
1,038,706,009
LIABILITIES
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
Demand deposits **)
Savings deposits **)
Time deposits **)
Investment fund - revenue sharing
Fund from Bank Indonesia
Fund from other banks **)
Spot and derivative liabilities
Securities sold under repurchase agreements (Repo)
Acceptances liabilities
Securities issued
Fund borrowings
Margin deposits received
Inter office liabilities
a. Operational activities conducted in Indonesia
b. Operational activities conducted outside Indonesia
14. Deferred tax liabilities
15. Liability to Unit Link Holders
16. Other liabilities
17. Investment fund - profit sharing
TOTAL LIABILITIES
EQUITY
18. Share capital
a. Authorised capital
b. Unpaid-in capital-/-
c. Treasury stock -/19. Additional Paid-in Capital
a. Agio
b. Disagio -/c. Donated capital
d. Funds for paid-up capital
e. Others
20. Other comprehensive income
a. Adjustment arising from translation of financial statement
b. Gain (Losses) from changes of financial assets on available for sale
c. Effective cash flow hedges
d. Premises and equipment revaluation increment
e. Other comprehensive income from entity associations
f. Remeasurement from actuarial benefit program
g. Income tax related to other comprehensive income
h. Others
21. Difference arising from quasi reorganisation
22. Difference arising from restructuring value of transaction
of entities under common control
23. Other equity
24. Reserve
a. General reserve
b. Appropriated reserve ****)
25. Retained Earning
a. Previous years *)
b. Current year
TOTAL EQUITY ATTRIBUTABLE TO OWNER
26. Non controlling interest
TOTAL EQUITY
TOTAL LIABILITIES AND EQUITY
154,384,044
940,665,212
144,068,750
918,181,510
30 September 2017
OTHER COMPREHENSIVE INCOME
1. Unreclassified to profit (loss)
a. Premises and equipment revaluation increment
b. Remeasurement from actuarial benefit program
c. Other comprehensive income from entity associations
d. Others
e. Income tax related to other comprehensive income
2. Reclassified to profit (loss)
a. Adjustment arising from translation of financial statement
b. Gain (Losses) from changes of financial assets on available for sale
c. Effective cash flow hedges
d. Others
e. Income tax related to other comprehensive income
Other comprehensive income current period after income tax - net
TOTAL OTHER COMPREHENSIVE INCOME CURRENT PERIOD
Income current period atributtable to :
Parent Company
Non controlling interest
TOTAL INCOME CURRENT PERIOD
Total other comprehensive income current period atributtable to :
Parent Company
Non controlling interest
TOTAL OTHER COMPREHENSIVE INCOME CURRENT PERIOD
Total comprehensive income current period atributtable to :
Parent Company
Non controlling interest
TOTAL COMPREHENSIVE INCOME CURRENT PERIOD
*)
Accumulated losses of Rp162,874,901 million has been eliminated against additional paid-in capital/agio through quasi-reorganisation
on April 30, 2003.
**) Consolidated balance includes temporary syirkah funds from a Subsidiary.
***) Including Securities owned by Subsidiary which classified "At Cost", accordance with SFAS 110 "Accounting for Sukuk", which was effective
since January 1, 2012.
****) As of September 30, 2016, Appropriated reserve of Rp9,299,631 million has been reclassified to Retained Earning.
30 September 2016
30 September 2017
30 September 2016
59,308,417
54,101,378
5,207,039
20,469,365
18,477,439
1,991,926
38,839,052
7,782,493
6,001,536
1,780,957
56,885,233
50,872,720
6,012,513
18,228,293
16,804,349
1,423,944
38,656,940
7,550,446
5,254,810
2,295,636
40,620,009
40,952,576
17,227,159
14,415,394
133,019
1,898,765
-
97,831
1,469,596
-
792,891
208,468
9,152,260
356,999
4,684,757
37,915,889
574,044
165,042
8,266,547
185,784
3,656,550
39,405,877
-
-
-
-
12,309,693
1,650
58,621
474,239
205,435
10,287,499
662,689
13,916,063
(20,688,730)
19,931,279
124,328
15,470,444
384,065
5,959
517,944
112,289
9,808,350
730,974
12,251,524
(24,990,483)
15,962,093
4,347
(96,629)
(92,282)
19,838,997
(105)
(22,593)
(22,698)
15,939,395
(3,157,835)
(1,053,134)
15,628,028
(2,364,966)
(937,419)
12,637,010
-
25,588,987
(11,775)
(790,112)
(10,672)
2,668
25,933,025
(11,719)
(790,127)
(36,466)
2,067,306
(392,224)
1,638,616
16,528,248
(33,770)
2,555,455
(442,855)
26,865,930
38,497,486
(34,201)
2,167,544
(6,189)
(414,299)
1,704,851
17,332,879
(68,971)
2,724,755
(474,223)
27,312,740
39,949,750
14,889,632
14,889,632
11,631,556
11,631,556
15,069,230
558,798
15,628,028
12,013,201
623,809
12,637,010
1,638,616
1,638,616
26,865,930
26,865,930
1,674,806
30,045
1,704,851
27,266,818
45,922
27,312,740
38,497,486
38,497,486
16,744,036
588,843
17,332,879
39,280,019
669,731
39,949,750
TRANSFER INCOME (LOSSES) TO HEAD OFFICE
-
-
-
-
DIVIDEND
-
-
-
-
EARNING PER SHARE
-
-
322.91
514.85
(In Millions of Rupiah)
INDIVIDUAL
30 September 2017
Current
I.
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
II.
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
III.
1.
2.
3.
4.
5.
6.
7.
8.
Special Mention
RELATED PARTIES
Placements with other banks
22
a. Rupiah
1,042,254
b. Foreign currencies
Spot and derivative receivables
1,033
a. Rupiah
b. Foreign currencies
Securities
530,342
a. Rupiah
b. Foreign currencies
Securities sold with agreement to
repurchase (Repo)
a. Rupiah
b. Foreign currencies
Securities purchased with agreement to resell
(Reverse Repo)
a. Rupiah
b. Foreign currencies
2,717,233
Acceptances receivables
Loans
15,485
a. Micro, small and medium loans (UMKM)
15,485
i. Rupiah
ii. Foreign currencies
23,722,359
b. Non UMKM
13,754,801
i. Rupiah
9,967,558
ii. Foreign currencies
c. Restructured loans
i. Rupiah
ii. Foreign currencies
12,523
d. Property loans
5,981,665
Investments in shares
Temporary investment
828,093
Other Receivable
Commitments and contingencies
2,012,980
a. Rupiah
5,274,891
b. Foreign currencies
Repossessed assets
THIRD PARTIES
Placements with other banks
9,720,059
a. Rupiah
67,835,206
b. Foreign currencies
Spot and derivative receivables
409,106
a. Rupiah
22,470
b. Foreign currencies
Securities
77,122,216
a. Rupiah
37,991,725
b. Foreign currencies
Securities sold with agreement to
repurchase (Repo)
4,645,819
a. Rupiah
b. Foreign currencies
Securities purchased with
agreement to resell (Reverse Repo)
3,635,880
a. Rupiah
b. Foreign currencies
8,911,349
Acceptances receivables
Loans
a. Micro, small and medium loans (UMKM) 69,007,088
68,472,067
i. Rupiah
535,021
ii. Foreign currencies
463,105,100
b. Non UMKM
387,602,293
i. Rupiah
75,502,807
ii. Foreign currencies
22,123,705
c. Restructured loans
13,669,242
i. Rupiah
8,454,463
ii. Foreign currencies
40,846,265
d. Property loans
Investments in shares
38,779
Temporary investment
20,039,885
Other Receivable
Commitments and contingencies
154,610,911
a. Rupiah
73,096,305
b. Foreign currencies
Repossessed assets
OTHER INFORMATIONS
Value of bank's assets pledge as collateral :
a. To Bank Indonesia
b. To others
Total allowance for impairment on financial
assets to earning assets
Total required allowance for possible
losses on earning assets
Percentage of UMKM loans to total loans
Percentage of UMK loans to total loans
Percentage of UMKM debtors to total debtors
Percentage of UMK debtors to total debtors
Others
a. Chanelling of loans
b. Mudharabah Muqayyadah financing
c. Write off on earning assets
d. Recovery of write off on earning assets
e. Write off on earning assets with
elimination of right to collect
Sub Standard
30 September 2016
Doubtful
Loss
Total
Current
6.
7.
8.
9.
10.
11.
Total
22
1,301,948
-
-
-
-
-
-
-
-
-
1,033
-
14,466
-
-
-
-
-
14,466
-
-
-
-
-
530,342
-
378,875
-
-
-
-
-
378,875
-
-
-
-
-
-
-
-
-
-
-
-
22
1,042,254
-
-
-
-
2,717,233
3,279,857
-
-
-
-
3,279,857
3,795
3,795
85
-
825,227
-
5
5
-
58
58
25,191
-
15,485
15,485
23,726,217
13,758,659
9,967,558
12,608
6,832,083
828,093
1,055
1,055
19,492,978
9,505,668
9,987,310
7,629
5,024,630
311,438
1,927
1,927
225
-
723,227
-
-
25,191
-
1,055
1,055
19,494,905
9,507,595
9,987,310
7,854
5,773,048
311,438
248
-
-
-
-
2,013,228
5,274,891
-
3,018,784
4,516,107
-
333
-
-
-
-
3,019,117
4,516,107
-
-
-
-
52,031
9,720,059
67,887,237
7,502,297
51,693,886
-
-
-
47,788
7,502,297
51,741,674
-
-
-
-
409,106
22,470
530,013
711
-
-
-
-
530,013
711
-
-
-
-
77,122,216
37,991,725
74,662,822
32,576,094
-
-
-
21,590
74,662,822
32,597,684
-
-
-
-
4,645,819
-
14,182,430
-
-
-
-
-
14,182,430
-
6,525
-
-
-
3,635,880
8,917,874
661,761
-
-
-
-
661,761
8,930,699
49,386
20,236
-
613
9,000,934
5,495,592
5,484,322
11,270
21,877,961
19,219,651
2,658,310
13,011,135
10,612,958
2,398,177
3,949,477
160,170
698,830
698,008
822
4,584,938
4,583,308
1,630
4,121,915
4,121,915
205,056
8,511
1,026,255
1,026,255
2,350,900
2,225,412
125,488
2,101,327
1,975,840
125,487
211,487
483
1,823,774
1,823,774
12,173,236
10,947,163
1,226,073
8,575,617
7,731,648
843,969
798,194
1,955
246
1,081,833
78,051,539
77,504,426
547,113
504,092,135
424,577,827
79,514,308
49,933,699
38,111,603
11,822,096
46,010,479
1,955
39,025
21,290,882
66,664,710
66,371,074
293,636
427,705,200
366,538,252
61,166,948
16,841,309
11,487,378
5,353,931
38,419,562
12,880,265
6,169,050
6,067,361
101,689
19,624,691
16,273,577
3,351,114
13,204,995
10,556,974
2,648,021
3,269,565
52,594
785,779
785,779
3,834,226
3,516,146
318,080
3,423,830
3,265,195
158,635
122,840
1,341
1,021,075
1,021,075
1,413,453
1,301,620
111,833
936,722
936,722
126
3,200,495
3,200,495
10,405,826
8,016,255
2,389,571
4,911,606
3,519,198
1,392,408
580,545
1,955
135
1,214,529
77,841,109
77,445,784
395,325
462,983,396
395,645,850
67,337,546
39,318,462
29,765,467
9,552,995
42,530,156
1,955
135
14,148,855
1,273,623
327,396
-
48,297
-
14,217
-
33,100
1,264
19,815
155,980,148
73,424,965
19,815
140,457,844
58,314,669
-
694,155
366,965
-
1,223
1,974
-
6,237
-
27,200
879
19,815
141,186,659
58,684,487
19,815
-
-
34,409,993
30,125,642
25,475,969
12.88%
6.26%
53.38%
51.03%
24,035,928
13.89%
6.25%
57.14%
54.29%
306,299
7,919,820
2,538,082
337,538
6,132,509
2,049,968
-
Allowance for Impairment
Collective
Placements with other banks
52,031
Spot and derivative receivables
Securities
44,627
10,384
Securities sold with agreement to repurchase (Repo)
Securities purchased with agreement to resell
(Reverse Repo)
Acceptances receivables
144,604
40,529
Loans
23,992,368 8,593,003
Investments in shares
71,239
Temporary invesment
634
Other Receivable
1,371,703
88,871
Commitments and contingencies
188,234
25,247
General
200,060
4,176
235,960
4,396
116,286
5,558,500
5,551
388
208,680
921,665
Specific
52,031
-
Allowance for Impairment
Individual Collective
47,788
40,587
-
23,455
11,824
-
326
111,712
17,847,079 19,330,278
150,930
50,360
246
135
1,091,360 1,719,278
73,012
151,844
39,123
8,701,753
49,349
18,385
No.
TRANSACTION
Required Allowance for Possible
Losses of Earning Assets
General
164,524
5,330
231,688
-
(In Millions of Rupiah)
Specific
47,788
21,590
-
6,618
122,106
6,118
5,138,639 16,806,369
53
135,630
135
131,917 1,217,423
897,052
31,086
NOTIONAL AMOUNT
A.
1.
2.
3.
4.
5.
6.
B.
1.
2.
3.
4.
5.
C.
Exchange Rate Related
Spot
Forward
Option
a. Written
b. Purchased
Future
Swap
Others
Interest Rate Related
Forward
Option
a. Written
b. Purchased
Future
Swap
Others
Others
TOTAL
Type
Trading
Derivative Receivables & Payables
Hedging
Receivables
10,813,696
6,470,932
94,503
12,086,273
14,748
149,504
11,717
95,524
1,007
3,623,845
80,352,127
-
71,478,065
-
1,007
3,623,845
8,874,062
-
3
27,840
159,966
-
5
24,118
642,517
-
-
-
-
-
-
- 20,645,309
- 10,463,957
88,762,693 55,788,956
35,442
45,106
432,609
24,464
89,332
887,677
20,645,309
10,463,957
144,551,649
(In %)
INDIVIDUAL
RATIOS
30 September 2017
INDIVIDUAL
30 September 2016
PERFORMANCE RATIOS
1. Capital Adequacy Ratio (CAR)
22.63%
to total earning assets and non earning assets
2.30%
3. Non performing earning assets to total earning assets
2.90%
2.33%
2.93%
7. Return on Asset (ROA)
4.05%
3.74%
0.85%
2.72%
3.88%
3.69%
1.04%
2.35%
8. Return on Equity (ROE)
14.68%
13.76%
9. Net Interest Margin (NIM)
5.64%
71.85%
89.05%
6.40%
77.13%
89.90%
2. Non performing earning assets and non
performing non earning assets
4. Allowance for impairment on financial assets to
6. Net NPL
10. Operating Expenses to Operating Income
11. Loan to Deposit Ratio (LDR)
RATIOS
30 September 2017
30 September 2016
COMPLIANCE
21.98%
5. Gross NPL
No.
1. a. Percentage violation of the Legal Lending Limit
i. Related parties
0.00%
0.00%
ii. Third parties
0.00%
0.00%
i. Related parties
0.00%
0.00%
ii. Third parties
0.00%
0.00%
a. Primary reserve requirement Rupiah
6.58%
6.50%
b. Reserve requirement Foreign currencies
8.40%
8.14%
2.16%
5.70%
b. Percentage of excess of the Legal Lending Limit
2. Reserve requirement
3. Net Open Position - Overall
152,505,657
152,505,657
11,666,667
149,258,336
149,481,128
26,377,867
11,801
8.50%
0.00%
1.07%
7.89%
0.00%
1.11%
142,523,927
142,523,927
11,666,667
138,158,533
138,701,670
26,248,049
170,598
45,078
183,027
930,309
1,066,746
24,796,520
25,140,523
116,932,761 123,103,261
17,476,308
17,316,192
2,333,333
2,333,333
82,233,488
88,384,506
14,889,632
15,069,230
(221,853)
(222,792)
(2,826)
(2,826)
893,566
24,796,520
106,816,451
17,476,308
2,333,333
75,375,254
11,631,556
(542,198)
(294,270)
924,499
25,140,523
112,453,621
17,316,192
2,333,333
80,790,895
12,013,201
(543,137)
(294,270)
(2,826)
(2,826)
(9,074)
(9,074)
(219,027)
-
(219,966)
-
(285,196)
(247,928)
-
(285,196)
(248,867)
-
-
-
-
-
(219,027)
(12,288,094)
(4,077,031)
(1,423,264)
(6,762,799)
(25,000)
-
(219,966)
515,616
(8,934,962)
(4,324,958)
(117,741)
(1,522,186)
(2,945,077)
(25,000)
-
(247,928)
(9,941,285)
(3,021,633)
(1,172,411)
(5,722,241)
(25,000)
-
(248,867)
311,457
(7,612,730)
(3,290,079)
(117,741)
(1,260,456)
(2,919,454)
(25,000)
-
-
-
-
-
7,323,238
8,075,566
6,929,088
7,592,731
190,146
7,133,092
-
190,146
7,885,420
-
334,341
6,594,747
-
334,341
7,258,390
-
149,151,349
160,581,223
140,663,887
150,116,658
CONSOLIDATED
7.90%
0.00%
1.10%
CONSOLIDATED
133,734,799
133,734,799
11,666,667
132,009,417
132,551,615
25,735,164
KPMM Ratio
CET 1 Ratio (%)
Tier 1 Ratio (%)
Tier 2 Ratio (%)
KPMM Ratio (%)
CET 1 FOR BUFFER (%)
PERCENTAGE OF BUFFER MANDATORY
FILLED BY BANK(%)
Capital conservation buffer (%)
Countercyclical Buffer (%)
Capital Surcharge for Systemic Bank (%)
30 September 2017
30 September 2016
INDIVIDUAL
CONSOLIDATED
INDIVIDUAL
20.90%
20.90%
1.08%
21.98%
12.42%
20.17%
20.17%
1.07%
21.24%
11.67%
21.51%
21.51%
1.11%
22.63%
13.63%
20.63%
20.63%
1.10%
21.73%
12.73%
1.25%
0.00%
1.25%
1.25%
0.00%
1.25%
0.625%
0.00%
0.625%
0.625%
0.00%
0.625%
INDIVIDUAL
No.
DESCRIPTION
30 September 2017
I. COMMITMENT RECEIVABLES
1. Unused fund borrowings facilities
a. Rupiah
b. Foreign currencies
2. Outstanding purchase position on spot and derivative
3. Others
II. COMMITMENT PAYABLES
1. Unused loan facilities granted to customer
a. BUMN
i. Committed
- Rupiah
- Foreign currencies
ii. Uncommitted
- Rupiah
- Foreign currencies
b. Others
i. Committed
ii. Uncommitted
2. Unused loan facilities granted to other banks
a. Committed
i. Rupiah
ii. Foreign currencies
b. Uncommitted
i. Rupiah
ii. Foreign currencies
3. Outstanding irrevocable letters of credit
a. Foreign L/C
b. Local L/C
4. Outstanding sales position on spot and derivative
5. Others
III. CONTINGENT RECEIVABLES
1. Guarantees received
a. Rupiah
b. Foreign currencies
2. Unrecognized interest income
a. Interest loan
b. Others interest
3. Others
IV. CONTINGENT PAYABLES
1. Guarantees issued
a. Rupiah
b. Foreign currencies
2. Others
CASH FLOWS FROM OPERATING ACTIVITIES
Receipts from interest income
Receipts from sharia income
Receipts from fees, commissions
and premium - net
Payments of interest expense
Payments of sharia expenses
Receipts from the sale of Government
Bonds - Fair value through profit or loss
Acquisition of Government Bonds - Fair
value through profit or loss
Foreign exchange (losses)/gain - net
Other operating income - others
Other operating expenses - others
Salaries and employee benefits
General and administrative expenses
Non operating expenses - net
Payment of corporate income tax
Cash Flow From Operating Activities Before
Changes in Operating Assets and Liabilities
Decrease/(increase) in operating assets:
Placements with Bank Indonesia and other banks
Marketable securities - Fair value through profit or loss
Other receivables - trade transactions
Loans
Sharia financing
Securities purchased under resale agreements
Consumer financing receivable
Net investment in lease financing
Prepaid taxes
Prepaid expense
Other assets
Proceeds from collection of financial
assets already written - off
Increase/(decrease) in operating liabilities
and temporary syirkah funds:
Conventional Banking
Demand deposits
Saving deposits
Time deposits
Inter-bank call money
Obligation due immediately
Liability to unit - linked policyholders
Other taxes payable
Other liabilities
Sharia Banking - Temporary Syirkah Funds
Demand deposit - restricted investment and
demand deposit - mudharabah musytarakah
Saving deposit - restricted investment and mudharabah
saving deposit - unrestricted investment
Mudharabah time deposit - unrestricted investment
Net cash provided by operating activities
CASH FLOWS FROM INVESTING ACTIVITIES
Increase in marketable securities - other than at
fair value through profit or loss
Decrease in Government Bonds - other than
at fair value through profit or loss
Proceeds from sale of fixed assets
Acquisition of fixed assets
Acquisition of intangible assets
Net cash provided by investing activities
CASH FLOWS FROM FINANCING ACTIVITIES
Increase of investment in Subsidiaries
Increase in marketable securities issued
Increase/(decrease) in fund borrowings
Decrease of Subordinated Loans
Increase in securities sold under repurchase agreements
Payments of dividend
Net cash provided by financing activities
NET INCREASE IN CASH AND CASH EQUIVALENTS
EFFECT OF EXCHANGE RATE CHANGES ON
CASH AND CASH EQUIVALENTS
CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD
CASH AND CASH EQUIVALENTS AT END OF PERIOD
Cash and cash equivalents at end of period consist of :
Cash
Current accounts with Bank Indonesia
Current accounts with other banks
Placements with Bank Indonesia and other banks
Certificate of Bank Indonesia
2,081,550
-
CONSOLIDATED
31 December 2016
(Audited)
30 September 2017
517,108
-
2,081,550
-
31 December 2016
(Audited)
517,108
-
5,517,257
5,500,729
4,957,430
1,017,119
5,517,257
5,500,729
4,957,430
1,017,119
19,384,681
2,486,954
22,483,005
3,184,070
19,384,681
2,486,954
22,483,005
3,184,070
21,346,128
82,332,325
20,887,034
66,946,874
21,346,128
83,174,388
20,887,137
67,856,900
31,175
-
35,685
-
31,175
-
35,685
-
2,000
-
-
2,000
-
-
11,967,019
4,335,114
960,800
-
8,944,724
3,143,078
880,595
-
11,990,030
4,365,235
1,049,771
-
8,952,789
3,143,877
880,595
-
1,700,036
13,165,887
1,766,173
15,780,336
1,700,036
13,357,560
1,766,173
15,975,471
7,687,541
51,998
32,729
6,397,668
51,949
32,729
7,700,889
323,088
32,729
6,411,985
381,171
32,729
43,627,920
40,161,930
551,904
43,881,089
42,882,472
492,556
43,695,655
40,807,151
551,904
43,939,477
43,491,367
907,215
NOTES
(In millions of Rupiah)
CONSOLIDATED
30 September 2016
52,133,683
4,702,898
50,990,939
4,017,446
10,901,290
(18,094,966)
(1,862,325)
10,533,571
(16,222,978)
(1,709,270)
39,297,210
39,950,597
(39,058,230)
(15,671)
1,773,140
(4,004,938)
(10,704,649)
(9,671,780)
(96,629)
(3,804,040)
(39,985,693)
7,616,866
1,356,862
(3,373,223)
(10,240,309)
(9,144,736)
(22,698)
(3,271,302)
21,494,993
30,496,072
(1,612,105)
107,077
(5,957,357)
(25,383,944)
(4,985,118)
569,346
(2,963,004)
(957,300)
(386,405)
(533,929)
(2,873,703)
916,914
(5,128,950)
731,812
(31,580,573)
(3,096,830)
(1,449,777)
(2,290,170)
(121,193)
1,652,002
(724,079)
(680,726)
2,913,519
2,325,060
(2,859,078)
4,518,552
10,029,276
1,018,335
420,272
1,718,291
373,287
6,322,014
(9,330,488)
1,682,178
22,247,818
(2,273,741)
460,501
3,293,529
(212,145)
3,526,380
188,931
(760)
999,753
1,581,483
3,743,186
832,967
2,216,216
13,492,017
(4,000,905)
(6,905,138)
1,142,786
17,405
(636,352)
(329,906)
(3,806,972)
4,313,778
109,907
(1,426,696)
(57,487)
(3,965,636)
(661,222)
8,117,184
1,387,287
(25,286)
664,216
(6,212,954)
3,269,225
3,205,439
(708,706)
5,960,572
(980,640)
(44,709)
8,186,827
(6,100,490)
6,312,854
15,839,235
2,591,952
157,560,107
163,357,498
(8,034,181)
125,667,407
133,472,461
21,026,875
58,639,970
10,202,082
72,490,135
998,436
20,126,036
48,039,364
9,668,551
55,638,510
-
163,357,498
133,472,461
1. The above financial information is extracted from the consolidated financial
statements of PT Bank Mandiri (Persero) Tbk. (the "Bank") and its subsidiaries as of
September 30, 2017 and 2016 and for the nine-months period then ended,
prepared by the Bank's management in accordance with Indonesian Financial
Accounting Standards (unaudited). The consolidated financial statements of the
Bank and its subsidiaries as of December 31,2016 and for the period then ended,
which have been audited by Purwantono, Sungkoro&Surja ("PSS") (a member firm
of Ernst & Young Global Limited) with Danil Setiadi Handaja, CPA as partner in
charge, independent auditors, with an unmodified audit opinion, as stated in their
report dated Januari 30, 2017.
2. The above published financial statements are presented to comply with Financial
Services Authority Regulation No.6/POJK.03/2015 dated March 31, 2015 which is
amended by Financial Services Authority Regulation No.32/POJK.03/2016 dated
August 8, 2016 regarding Amendment of Financial Services Authority Regulation
No. 6/POJK.03/2015 regarding Transparency and Published Financial Statements of
the Bank and Circular Letter of Financial Services Authority No. 43/SEOJK.03/2016
dated September 28, 2016 regarding Transparency and Published Financial
Statements of Commercial Banks and also in accordance with Rule No. X.K.2,
Attachment to Decision of Chairman of Bapepam and LK No. Kep-346/BL/2011
dated July 5, 2011 regarding Submission of Periodic Financial Statements for
Issuers or Public Companies. Financial information and statement of cash flows
included in the published financial statements have been prepared in accordance
with Bapepam and LK Regulation No.VIII.G7, Attachment to Decision of Chairman
of Bapepam and LK No. Kep-347/BL/2012 dated June 25, 2012.
3. Composite value/rating of Bank Mandiri's Good Corporate Governance as at June
30, 2017 is 2 (Good) - The management of the Bank has made the implementation
of Good Corporate Governance in general good. This is reflected in an adequate
fulfillment of the principles of good corporate governance. In the event that there
is a weakness in applying the Good Corporate Governance, these weaknesses are
generally less significant and can be resolved with normal actions by the Bank
Management.
4. Related Parties in the Assets' Quality and Other Information Report are presented
in accordance with Bank Indonesia Regulation No. 8/13/PBI/2006 dated October 5,
2006 regarding Amendment of Bank Indonesia Regulation No. 7/3/PBI/2005 dated
January 20, 2005 regarding The Legal Lending Limit for Commercial Banks.
5. Exchange rate of 1 US Dollar as at September 30, 2017, September 30 ,2016 and
December 31,2016 were Rp13,471.50; Rp13,051.00 and Rp13,472.50 respectively
Herewith are some of the achievements of Bank Mandiri:
• The Best Bank Service Excellence (2008 -2017)
Infobank
• Platinum Trophy for Excellent Performance for 10 consecutive Years
Infobank
• The Legend in Good Corporate Governance (2007-2016)
The Indonesian Institute For Corporate Governance
• Supporting Bank in Monetary and Foreign Exchange Management
Bank Indonesia
• Best Private Bank
Finance Asia
• The Best Cash Management Bank in Indonesia
The Asian Banker
• Best Bank In Indonesia
Euromoney
• Best Domestic Bank In Indonesia
Asiamoney
•
•
•
•
Best Bank In Indonesia
Best Forex Bank For Corporate & Fls
Best Private Wealth Management
Best Cash Management
Alpha Southeast Asia
MANAGEMENT OF THE BANK
www.bankmandiri.co.id
Board of Commissioners
- President Commissioner/
Independent Commissioner
- Deputy President Commissioner
- Independent Commissioner
- Independent Commissioner
- Independent Commissioner
- Commissioner
- Commissioner
- Commissioner
: Hartadi Agus Sarwono *)
: Imam Apriyanto Putro
: Goei Siauw Hong
: Bangun Sarwito Kusmulyono
: Makmur Keliat
: Askolani
: Ardan Adiperdana
: R. Widyo Pramono *)
Board of Directors
- President Director
- Deputy President Director
- Director of Operations
- Director of Wholesale Banking
- Director of Distributions
- Director of Retail Banking
- Director of Risk Management & Compliance
- Director of Institutional
- Director of Digital Banking & Technology
- Director of Treasury
: Kartika Wirjoatmodjo
: Sulaiman Arif Arianto
: Ogi Prastomiyono
: Royke Tumilaar
: Hery Gunardi
: Tardi
: Ahmad Siddik Badruddin
: Kartini Sally
: Rico Usthavia Frans
: Darmawan Junaidi **)
SHAREHOLDERS
Republic of Indonesia
Non Ultimate Shareholder through
Capital Market (≥ 5%)
CONSOLIDATED
(In Millions of Rupiah)
As of September 30, 2017 and December 31, 2016
Total cash and cash equivalents
Payables
10,908,199
18,557,205
141,828,111
141,828,111
11,666,667
142,449,538
142,671,391
25,738,630
INDIVIDUAL
30 September 2016
INDIVIDUAL
570,647,320 630,833,627 527,579,736 580,671,189
3,270,323
3,668,861 2,027,839
2,428,284
104,792,639 121,563,432 92,008,869 107,636,532
678,710,282 756,065,920 621,616,444 690,736,005
9.56%
9.57%
9.00%
9.00%
8.48%
0.00%
1.08%
CONSOLIDATED
STATEMENTS OF COMMITMENTS AND CONTINGENCIES
30 September 2017
INDIVIDUAL
30 September 2016
Required Allowance for Possible
Losses of Earning Assets
As of September 30, 2017
CONSOLIDATED
30 September 2016
INDIVIDUAL
*) Capital Adequacy Ratio as of September 30, 2017 and 2016 has been calculated based on POJK No.34/POJK.03/2016 dated September 22, 2016 regarding
Minimum Capital Adequacy Requirement for commercial Bank.
For the Period Ended September 30, 2017 and 2016
STATEMENTS OF SPOT AND DERIVATIVE TRANSACTIONS
As of September 30, 2017 and 2016
earning assets
RISK WEIGHTED ASSETS
CREDIT RISK - WEIGHTED ASSETS
MARKET RISK - WEIGHTED ASSETS
OPERATIONAL RISK - WEIGHTED ASSETS
TOTAL RISK WEIGHTED ASSETS
CAR BASED ON RISK PROFILE (%)
CAPITAL ALLOCATION FOR CAR
BASED ON RISK PROFILE
From CET 1 (%)
From AT 1 (%)
From Tier 2 (%)
STATEMENTS OF CASH FLOW
-
CALCULATION OF FINANCIAL RATIOS
No.
22
1,301,948
INDIVIDUAL
DESCRIPTION
30 September 2017
1.
2.
3.
4.
5.
Loss
-
(In Millions of Rupiah)
Individual
Doubtful
-
As of September 30, 2017 and 2016
DESCRIPTION
Sub Standard
-
ALLOWANCES FOR IMPAIRMENT
No
Special Mention
I. Core Capital (Tier 1)
1. Common Equity Tier 1 (CET 1)
1.1 Paid-in Capital (net of Treasury Stock)
1.2 Disclosed Reserves
1.2.1 Additional Factor
1.2.1.1 Other comprehensive income
1.2.1.1.1 Excess differences arising from translation
of financial statement
1.2.1.1.2 Potential gain of the increase in the fair value
of financial assets available for sale
1.2.1.1.3 Surplus of fixed assets revaluation
1.2.1.2 Other disclosed reserves
1.2.1.2.1 Agio
1.2.1.2.2 General reserves
1.2.1.2.3 Previous year profit
1.2.1.2.4 Current year profit
1.2.1.2.5 Funds for paid-in capital
1.2.1.2.6 Others
1.2.2 Deduction Factor
1.2.2.1 Other comprehensive income
1.2.2.1.1 Negative differences arising from translation
of financial statement
1.2.2.1.2 Potential losses from the decrease in the fair
value of financial assets available for sale
1.2.2.2. Other disclosed reserves
1.2.2.2.1 Disagio
1.2.2.2.2. Previous year loss
1.2.2.2.3 Current year loss
1.2.2.2.4 Negative difference in allowance for possible losses and
allowance for impairment on earning assets
1.2.2.2.5 Negative difference in adjusment amounts from fair value
of financial assets in trading book
1.2.2.2.6 Required allowance for non earning assets
1.2.2.2.7 Others
1.3 Non controlling interest
1.4 Deduction Factor of CET 1
1.4.1 Deffered tax calculation
1.4.2 Goodwill
1.4.3 Other intangible assets
1.4.4 Investments in share
1.4.5 Shortfall of capital on insurance subsidiaries
1.4.6 Securitisation exposure
1.4.7 Other deduction of CET 1
1.4.7.1 Placement of funds in instrumen AT 1 and/or Tier 2 to other bank
1.4.7.2 Cross-ownership in another entity acquired by the transition
due to law, grants, or grants will
2. Additional Tier 1 (AT 1)
2.1 Instrument which comply with AT 1 requirements
2.2 Agio/Disagio
2.3 Deduction factor of AT 1
2.3.1 Placement of funds in instrumen AT 1 and/or Tier 2 to other bank
2.3.2 Cross-ownership in another entity acquired by the
transition due to law, grants, or grants will
II. Supplemental Capital (Tier 2)
1. Capital Instrument in the form of Stock or others which
comply with Tier 2 Requirements
2. Agio/Disagio
3. General provison on earning assets (max. 1.25% credit risk - weighted assets)
4. Deduction supplemental capital (Tier 2)
4.1 Sinking Fund
4.2 Placement of funds in instrumen AT 1 and/or Tier 2 to other bank
4.3 Cross-ownership in another entity acquired by
the transition due to law, grants, or grants will
TOTAL CORE AND SUPPLEMENTAL CAPITAL
30 September 2017
16,528,248
16,528,248
As of September 30, 2017 and 2016
DESCRIPTION
(In Millions of Rupiah)
30 September 2017
STATEMENTS OF ASSETS' QUALITY AND OTHER INFORMATION
No.
As of September 30, 2017 and 2016
COMPONENTS OF CAPITAL
DESCRIPTION
A. Interest and Sharia Income, Interest and Sharia Expenses, and Premium Income and Claim Expenses
50,845,424
1. Interest and Sharia Income
49,946,288
45,869,361
a. Rupiah
44,101,144
4,976,063
b. Foreign currencies
5,845,144
17,431,701
2. Interest and Sharia Expenses
15,751,817
15,453,339
a. Rupiah
14,340,679
1,978,362
1,411,138
b. Foreign currencies
33,413,723
34,194,471
Net Interest Income and Sharia Income (Expenses)
3. Premium Income
4. Claim Expense
Net Premium Income (Claim Expenses)
Net Interest and Sharia Income (Expenses),
33,413,723
34,194,471
and Net Premium Income (Claim Expenses)
B. Other Operating Income and Expenses
15,468,454
13,257,147
1. Other Operating Income
a. Increase in fair value of financial assets
1,089
i. Securities
ii. Loans
1,898,765
iii. Spot and derivative
1,469,596
iv. Other financial assets
b. Decrease in fair value of financial liabilities
c. Gain from sale of financial assets
758,469
i. Securities
528,473
ii. Loans
iii. Other financial assets
d. Gain from spot and derivative transaction (realised)
170,699
141,237
e. Dividend
817,030
702,267
f. Gain from investment in shares with equity method
g. Comissions/provisions/fees and administrative
8,397,892
7,661,331
h. Recovery on allowance for impairment
334,739
185,784
i. Other income
3,089,771
2,568,459
2. Other Operating Expenses
30,217,863
32,995,009
a. Decrease in fair value of financial assets
8,115
i. Securities
ii. Loans
iii. Spot and derivative
iv. Other financial assets
b. Increase in fair value of financial liabilities
c. Losses from sale of financial assets
i. Securities
ii. Loans
iii. Other financial assets
d. Losses from spot and derivative transaction (realised)
e. Impairment for financial assets
124,532
i. Securities
14,430,250
10,154,343
ii. Loans
iii. Sharia financing
70,482
iv. Other financial assets
5,959
58,621
f. Losses related to operational risk
g. Losses from investment in shares under equity method
514,701
444,216
h. Comissions/provisions/fees and administrative
118,631
273
i. Impairment on non financial assets
8,017,060
7,708,019
j. Salaries and employee benefits
551,250
636,177
k. Promotion expenses
10,873,742
9,496,501
l. Other expenses
Other Operating Income (Expenses)
(14,749,409)
(19,737,862)
PROFIT (LOSS) FROM OPERATIONS
18,664,314
14,456,609
NON OPERATING INCOME AND EXPENSES
1. Gain (Losses) from sale of premises and equipment
1,194
(156)
2. Gain (Losses) from foreign currencies translation
3. Other non operating income (expenses)
(6,706)
3,058
PROFIT FROM NON OPERATING
(5,512)
2,902
PROFIT CURRENT PERIOD BEFORE TAX
18,658,802
14,459,511
Income tax expenses
(2,802,836)
(1,971,407)
a. Estimated current tax
(966,334)
(856,548)
b. Deffered tax income (expenses)
PROFIT CURRENT PERIOD
14,889,632
11,631,556
LIABILITIES AND EQUITY
STATEMENTS OF CALCULATION OF CAPITAL ADEQUACY RATIO COMMERCIAL BANK *)
CONSOLIDATED
OPERATING INCOME AND EXPENSES
Cash
Placements with Bank Indonesia
Placements with other banks
Spot and derivative receivables
Securities
a. Fair value through profit/loss
b. Available for sale
c. Held to maturity ***)
d. Loans and receivables
Securities sold under repurchase agreements (Repo)
Securities purchased under resale agreements (Reverse Repo)
Acceptances receivables
Loans
a. Fair value through profit/loss
b. Available for sale
c. Held to maturity
d. Loans and receivables
Consumer financing receivables
Sharia financing
Investments in shares
Policy holder's investment in Unit Link Contract
Allowance for impairment on financial assets -/a. Securities
b. Loans
c. Others
Intangible assets
Accumulated amortisation for intangible assets -/-
Premises and equipment
Accumulated depreciation for premises and equipment -/Non earning assets
a. Abandoned properties
b. Repossessed assets
c. Suspense account
d. Inter office assets
i. Operational activities conducted in Indonesia
ii. Operational activities conducted outside Indonesia
Allowance for impairment on non financial assets -/Lease Financing
Deferred tax assets
Other assets
6.
7.
8.
9.
(In Millions of Rupiah)
CONSOLIDATED
ASSETS
1.
2.
3.
4.
5.
Leading, Trusted. Enabling growth.
: 60.00%
: Nill
*) Appointed at the Extraordinary General Meeting of Shareholders of Bank Mandiri dated August 21, 2017, the
appointment of the commissioner will become effective after approval by the Otoritas Jasa Keuangan on Fit &
Proper Test and meet the prevailing regulations.
**) Appointed at the Extraordinary General Meeting of Shareholders of Bank Mandiri dated August 21, 2017, the
appointment of the director of treasury will become effective after approval by the Otoritas Jasa Keuangan on
Fit & Proper Test and meet the prevailing regulations.
Jakarta, October 25, 2017
S. E & O
Board of Directors
PT Bank Mandiri (Persero) Tbk.
Sulaiman Arif Arianto
Deputy President Director
Kartika Wirjoatmodjo
President Director