N P
L M
o v
e m
e n
t - C
o n
so li
d a
te d
19.8 9.7
6.6 7.3
7.3 8.4
8.2 7.2
70.9 26.2
25.3
7.1
8.6
7.3 24.9
17.8 24.6
23.4 13.9
15.0
4 9
.1
1 9
.4 1
3 9
.1
7 .0
4 4
.4
1 2
8 .8
1 .9
1 2
.7
1999 2000
2001 2002
Q 1 03 Q 2 03
Q 3 03 Q 4 03
Q 1 04 Q 2 04
Q 3 04 Q 4 04
Q 1 05 Q 2 05
Q 3 05 Q 4 05
Q 1 06 Q 2 06
G ro
ss N
P L
R at
io N
e t
N P
L R
at io
P ro
v N
P L
P ro
v N
P L
i n
cl .
C o
ll .
P ro
v is
io n
in g
c o
v e
ra ge
r e
fl e
c ts
B I
re q
u ir
e m
e n
ts
C a
te g
o ry
2 L
o a
n s –
B a
n k
O n
ly
4,033 15,350
12,655 16,202
17,432 15,585
15,345 10,983
10,621 9,912
9,852 8,334
12,352 14,394
16,423 12,912
12,086 12,175
2 ,0
4 ,0
6 ,0
8 ,0
1 ,0
1 2
,0 1
4 ,0
1 6
,0 1
8 ,0
2 ,0
1999 2000
2001 2002
Q1 03 Q2 03
Q3 03 Q4 03
Q1 04 Q2 04
Q3 04 Q4 04
Q1 05 Q2 05
Q3 05 Q4 05
Q1 06 Q2 06
2 -
S p
e c
ia l
M e
n ti
o n
L o
a n
s R
p B
n
1 2
.2
1 2
.9
9 .4
1 5
.0
2 4
.8
1 2
3 4
5
C a
t 2
17
N PL, Provisioning Collateral D etails – Bank O nly
11.26 0.07
0.22 Micro
11.43 0.73
0.94 Small
26.47
0.58 8.61
16.11 N PLs
Rp tn
4.93 0.06
Consumer 35.66
0.61 Corporate
N PLs Q 2
U
Rp tn
26.16 0.91
Commercial
0.66 T otal
26.45
100 50
15
5 1
BMRI Policy
100
5 4
3 2
1 Collectibility
N on-Performing Loans
Performing Loans
50
15
15
5
100
2 BMRI pre-2005
100 50
1 BI Req.
Provisioning Policy
Collateral Valuation Details N on-Performing Loans by Segment
Bank Mandiri’s current provisioning policy adheres to BI requirements
As of 30 June ’06, loan loss provisions excess to BI requirements = Rp202.1 bn
Collateral has been valued for 126 accounts and collateral provisions of Rp 14,398bn have been credited against loan
balances of Rp 18,592bn
Collateral value is credited against cash provisioning requirements on a conservative basis. For assets valued
above Rp 5bn:
Collateral is valued only if Bank Mandiri has exercisable rights to claim collateral assets
70 of appraised value can be credited within the initial 12 months of valuation, declining to:
¾
50 of appraised value within 12 to 18 months
¾
30 of appraised value within 18 to 24 months
¾
N o value beyond 24 months from appraisal 9,385
1,940 395
607 617
Total Cash Prov. Rp bn
5 4
3 2
1
Collectibility
71 54.7
31.7 12.4
5.0 1.0
Cash Provisions
18 1,150
12 2,501
25
of Accounts
7,984 2,763
Collateral Prov. Rp bn
18 1.8
0.2 2.3
0.2 0.3
0.8 Q 1
2006 Q 2 2006 D etails
82,426.3 1,947.7
55,041.1 922.3
4,070.4 18,444.8
Q 2 ‘06 Balance
Rp bn
Q 4 2005
Q 2 2006
UG to PL
D G to N PL
Q 3 2005
Loan Background
0.1 36.3
1.1 0.2
3.2 0.4
T otal Corporate, Commercial Small Business Loans
N et Upgrades
D owngrades
4.5 3.6
5.1 1.2
4.8 2.9
2.0 0.4
1.4 0.1
0.5 4.5
1.7 36.5
0.5 -
3.2 1.3
1.6 0.2
1.7 0.2
- 1.7
Total O verseas
Post-Merger Pre-Merger
IBRA Restructured
Excluding Micro Consumer Banking downgrades
and upgrades
are quarterly figures
N ote: For a breakdown of Corporate and Commercial loans, please refer to the detail slide in the appendix.
19
2 ,4
7 5
3 ,3
5 7
4 ,1
4 5
3 ,5
1 4
4 ,7
8 7
5 ,4
9 2
1 ,6
5 8
2 ,6
8 2
260 114
402
224 2
,0 2
1 2
,0 7
2 1
,6 5
1
74 1
,4 5
4
96 367
1,000 2,000
3,000 4,000
5,000 6,000
7,000 8,000
2000 2001
2002 2003
2004 2005 H1 06
Gain on SaleValue of Securities FX Gain
Core Earnings
P re
-P ro
v is
io n
O p
e ra
ti n
g P
ro fi
t
IDR bn
472 308
519 510
290 602
690
97 305
967
668
410 645
799 819
775
623 1
,1 6
8 1
,5 4
9 1
,7 4
4 1
,3 2
9
1 ,3
1 ,0
1 7
1 ,5
2 8
1 ,4
8
829
2000 2001
2002 2003
2004 2005
2006
Q 1 PA T Q 2 PA T
Q 3 PA T Q 4 PA T
8.1 21.5
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