12
Non-Loan Related Fees Commissions Q3-2012
Q2-2012 Q3-2011 9Mo
2012 9Mo
2011 Y-o-Y
Q-o-Q
Administration Fees
494 544
465 1,479
1,301 6.2
9.2
Opening LC, BG Cap Market custodian trustee
159 150
117 461
339 35.9
6.0
Subsidiaries
344 362
302 1,111
1,054 13.9
5.0
Transfer, Retail Transaction
299 259
234 801
636 27.8
15.4
Credit Cards
250 234
240 726
689 4.2
6.8
Mutual Fund, ORI Bancassurance
87 86
78 255
224 11.5
1.2
Syndications
19 72
59 127
153 67.8
73.6
Payroll Package
22 21
21 60
51 4.8
4.8
Others
98 110
75 293
212 30.7
10.9
Total
1,773 1,837
1,591 5,314
4,659 11.4
3.5
Foreign Exchange Gains
247 405
169 862
480 46.2
39.0
Gains Fr Sale Incr. in Value of Sec. Gov. Bonds
81 134
34 81
97 138.2
na
Cash Recoveries
505 661
505 1,689
2,816 0.0
23.6
Total Operating Income
10,658 10,263
8,209 30,193
25,603 29.8
3.8
of Non Loan Related fees to total opr. income
16.6 17.9
19.4 17.6
18.2 14.4
7.3
Breakdown of Q3 2012 Non-Loan Related Fees Commissions Rp bn
8 2
7 1
,0 4
1 ,1
1 1
,3 8
4 1
,0 5
1 1
,2 6
5 1
,4 5
9 1
,6 8
2 1
,5 2
4 1
,5 1
1 ,6
1 1
1 ,4
9 1
,6 1
4 2
,0 4
2 ,0
7 1
1 ,1
1 6
1 ,3
9 1
,0 1
9 1
,3 2
8 1
,3 6
1 ,3
7 5
1 ,4
8 5
1 ,6
1 2
1 ,5
4 7
1 ,6
3 1
1 ,6
8 6
1 ,9
3 1
,8 6
5 1
,9 3
9 1
,8 6
9
Q 1
9 Q
2 9
Q 3
9 Q
4 9
Q 1
1 Q
2 1
Q 3
1 Q
4 1
Q 1
1 1
Q 2
1 1
Q 3
1 1
Q 4
1 1
Q 1
1 2
Q 2
1 2
Q 3
1 2
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
44.043.2 42.7
CIR
Breakdown of Q3 2012 Operating Expenses Quarterly Consolidated Operating Expenses CIR
Q ’ Q ’
Q ’ Growth
QoQ YoY
Personnel Expenses
Base Salary 540
530 471
1.9 14.6
Other Allowances 847
903 748
6.2 13.2
Post Empl. Benefits 69
53 55
30.2 25.5
Training 57
94 64
39.4 10.9
Subsidiaries 356
359 348
0.8 2.3
Total Personnel Expenses 1,869
1,939 1,686
3.6 10.9
GA Expenses
IT telecoms 250
242 187
31.5 33.7
Occupancy Related 384
427 409
17.0 6.1
Promo Sponsor 231
237 223
11.7 3.6
Transport Travel 116
119 100
20.2 16.0
Goods, Prof. Services Oth. 260
276 202
61.4 28.7
Employee Related 293
270 176
29.8 66.5
Subsidiaries 433
433 212
15.2 71.0
Total GA Expenses 2,071
2,004 1,611
24.2 28.6
Other Expenses 578
545 341
0.9 69.5
Total Operating Expenses 4,519
4,489 3,637
11.7 24.3
13
4 2
.6 5
8 .1
7 2
.5 9
1 .9
1 8
.9 1
1 5
.9 1
1 2
.2 1
3 4
.0 1
7 2
.9 1
9 5
.8 2
4 2
.4 3
5 2
.5 3
7 9
.2
1 3
.3 1
5 .4
1 7
.0 2
5 .5
2 7
.5 2
7 .4
2 8
.4 2
8 .3
2 7
.2 3
.5 3
5 .7
5 3
.3 6
1 .0
2 2
1 2
2 2
3 2
4 2
5 2
6 2
7 2
8 2
9 2
1 2
1 1
2 1
2
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
16.1 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 3,972
645 799
819 775
623 1,234
1,166 1,390
2,536 2,833
3,073
2 1
2 2
2 3
2 4
2 5
2 6
2 7
2 8
2 9
2 1
2 1
1 2
1 2
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 22.2
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
• CAR under BASEL III in December 2011 was 17.17
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 Rp2.0 Tn
1
Total Wholesale Low Cost Deposits Rp69.2 Tn
Growth of Tx cash management 77.1 YoY
2
Total Retail Fees of Rp4.1 Tn
Total Retail Low Cost Funds Rp179.4 Tn
YoY increase in of E-channel transaction: 30.9
Total Retail Loans of Rp96.3 Tn
Assets Spread Rp6.8 Tn
30.2 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 Q3 12
– Q3 11 Total Rp18.90 tn
Rp Billion
1,158 205
208 510
883 1,019
1,164 1,492
1,574 1,586
1,850 1,864
1,916 2,262
3,524
2 ,0
1 ,0
1 ,0
2 ,0
3 ,0
4 ,0
Others Mfg-Metal
Mfg-Oth Mfg-NonM
Real Estate Bus Serv - Oth
Trad-Ret Constr
Mfg-FB Trad-Exp
Electricity Comm
Mining-Coal Plantation
Mfg-Chem
61.2
11.5 154.7
28.0 18.2
55.5 10.9
37.8 51.0
10.6 133.4
35.4 73.6
7.0 -4.1
Rp Billion
Breakdown of Net Expansion in Commercial Lending Q3 12
– Q3 11 Total Rp18.30 tn
79 131
307 364
507 615
669 761
878 977
1,126 1,141
1,374 1,392
1,625 1,737
2,222 2,392
8 2
4 1
,0 1
,6 2
,2
Others Trad-Oth
Trad-Dom Electricity
Trad-Ret Trad-Imp
Leasing Mining-Oil Gas
Mfg-Chem Mfg-Oth
Vehicles Mfg-Text
Mining-Coal Mass Trans
Plantations Mfg-RawM
Mfg-Metal Trad-Distr
33.2
63.4 62.2
23.1 30.0
70.9 48.6
648.1 8.9
12.0 81.5
497.3 99.9
34.6 208.5
80.6 5.6
0.4
16
745 2,414
4,066 6,153
7,784 10,943
11,132 11,377
11,660
2 6
2 7
2 8
2 9
2 1
2 1
1 Q
1 2
1 2
Q 2
2 1
2 Q
3 2
1 2
Cash Management Users Wholesale CASA Deposits
5 8
,0 5
5 6
2 ,2
5 7
6 1
,6 9
1 5
3 ,6
4 7
4 ,1
1 6
5 7
,0 9
4 6
9 ,2
8
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 Q3 11
Q3 12
Total CASA IDR Billion YoY Growth
2 4
8 4
7 9
7 1
6 6
8 5
6 7
7 7
7 1
1 ,1
3 1
,1 7
5
4Q10 1Q11 2Q11 3Q11 4Q11 1Q12 2Q12 3Q12
Average of Cash Management Tx 000, total 9.6 Mn transaction in 2012
Exclude Mandiri Transaction System
17
71.5 YoY Growth
21.2 YoY Growth
Mandiri Cash Management Forex
4 3
1 .0
6 8
5 .2
9 5
6 .0
2 4
6 .6
4 5
1 .3
4 2
9 .4
7,266 18,803
29,774
8,235 10,391
11,672
- 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 Q3 2012
Value IDR Trillion of Trx 000
6 6
.0 6
6 .0
7 7
.0 1
4 .4
1 7
.5 1
4 .9
185,739 239,896
218,436
95,391 100,785
99,252
- 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 Q3 2012
Value USD Billion of Trx
Wholesale Remittance Trade Transaction : Export, Import, Domestic
5 8
.8 7
.4 9
2 .1
2 7
.9 2
9 .6
2 9
.7
396,814 435,866
445,267
146,557 155,867
144,873
- 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 Q3 2012
Value USD Million of Trx
8 4
.8 8
5 .3
1 9
.5 2
9 .8
2 7
.6 3
1 .2
454,120 495,813
510,916
129,654 125,088
130,401
- 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 Q3 2012
Value USD Million of Trx
18
7 5
.9 8
1 .3
8 6
.3 9
5 .5
8 8
.2 9
3 .4
9 8
.5 1
9 .6
1 7
.3 1
1 2
.7 1
2 .4
1 3
4 .0
1 3
2 .7
1 4
.6 1
4 6
.1 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 13.0
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
16.1
2.3 2.5 2.4
2.7 2.7
2.7 3.3
3.2 3.5
3.5 4.1
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
71.5
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
5.1
20 40
60 80
100 120
140 160
180 200
220 240
260
Q 1
9 Q
2 9
Q 3
9 Q
4 9
Q 1
1 Q
2 1
Q 3
1 Q
4 1
Q 1
1 1
Q 2
1 1
Q 3
1 1
Q 4
1 1
Q 1
1 2
Q 2
1 2
Q 3
1 2
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
1.9 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 4.9
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
0.2 0.3
3.9 3.0
1.0 0.5
0.50.4 0.8
0.8 0.7
2 4
Q 1
9 Q
2 9
Q 3
9 Q
4 9
Q 1
1 Q
2 1
Q 3
1 Q
4 1
Q 1
1 1
Q 2
1 1
Q 3
1 1
Q 4
1 1
Q 1
1 2
Q 2
1 2
Q 3
1 2
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 70.1
CASA 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
204.0 212.3
42.3 38.6
41.7 40.8 43.0
40.7 44.7
43.3
7.9 11.6
15.0 15.4 21.3 25.4
26.2 27.3
32.2 8.3
16.5 26.6
31.8 49.7
68.5 77.8
84.7 85.3
5 20
45 70
95 120
145 170
195 220
Q 1
9 Q
2 9
Q 3
9 Q
4 9
Q 1
1 Q
2 1
Q 3
1 Q
4 1
Q 1
1 1
Q 2
1 1
Q 3
1 1
Q 4
1 1
Q 1
1 2
Q 2
1 2
Q 3
1 2
ATM Branch
SMS Banking Internet Banking
77.1 95.5 97.1
107.5 130.8
147.7 153.8
159.9 170.0
1.4 2.1
2.6 2.9 3.9 4.6
5.0 5.5
6.6 4.8
7.1 8.7
11.7 16.3
21.5 23.5
25.6 26.8
20 40
60 80
100 120
140 160
180
Q 1
9 Q
2 9
Q 3
9 Q
4 9
Q 1
1 Q
2 1
Q 3
1 Q
4 1
Q 1
1 1
Q 2
1 1
Q 3
1 1
Q 4
1 1
Q 1
1 2
Q 2
1 2
Q 3
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
9.99
2.16 3.17
4.21 4.61 4.61
5.08 5.29
5.47 5.63
1.11 1.21 0.92 1.01 1.03
1.16 1.21
1.26 1.31
2 4
6 8
10 12
Q 1
9 Q
2 9
Q 3
9 Q
4 9
Q 1
1 Q
2 1
Q 3
1 Q
4 1
Q 1
1 1
Q 2
1 1
Q 3
1 1
Q 4
1 1
Q 1
1 2
Q 2
1 2
Q 3
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 1,093.3
99.5 129.3
150.0 163.0
183.0 204.0
295.0 367.5
505.8 693.3
919.8 1,097.9
34.3 36.0
39.3 43.0
45.0 47.6
47.7 48.1
49.4 49.4
49.7 49.7
D e
c- 9
M ar
-1 Ju
n -1
Se p
-1 D
e c-
1 Mar
-1 1
Ju n
-1 1
Se p
-1 1
D e
c- 1
1 M
ar -1
2 Ju
n -1
2 Se
p -1
2
Indomaret e-Toll
Gaz
489 774 386 560
506 648
775 1,748
2,118 2,418
2,848 3,156 3,326
3,741 3,966
5,072 5,908
8,146 11,680
18,356 20,211
28 7 9
14 19 14 12
14 9 214
175
Q 4
9 Q
1 1
Q 2
1 Q
3 1
Q 4
1 Q
1 1
1 Q
2 1
1 Q
3 1
1 Q
4 1
1 Q
1 1
2 Q
2 1
2 Q
3 1
2
Indomaret e-Toll
Gaz
Pre-Paid Transaction Volume 000s
21
volume for quarter
Volume Mandiri Business Saving Account Tn
3.5 4.8 8.0
17.7 34.7
27.5 34.5
40.8 46.4
2007 2008 2009 2010 2011 Q3
2011 Q1
2012 Q2
2012 Q3
2012
Fee Income from e-channel Tx Bn
22
23,690 27,611
33,732 47,127
92,903 99,765
112,879 143,384
20072008200920102011 Q1 2012
Q2 2012
Q3 2012
Numbers of EDC
69 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
313.9 361.8
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
36,260 44,486
8,226
Q3 2011 Growth
Q3 2012
YoY 22.7
Consumer Finance Rp Bn
27,610 35,022
7,412
Q3 2011 Growth
Q3 2012
YoY 26.8
Business Banking Rp Bn
Micro Credit
9,456 16,760
7,305
Q3 2011 Growth
Q3 2012
YoY 77.3
5 5
,6 5
5 6
,6 7
6 6
3 ,3
2 3
6 6
,8 5
1 7
3 ,3
2 4
8 1
,0 4
6 8
4 ,6
7 5
9 1
,5 4
9 6
,2 6
8
26.8 27.7
28.6
27.6 28.3
29.6 29.6
29.8 30.2
20.00 22.00
24.00 26.00
28.00 30.00
32.00
30,000 40,000
50,000 60,000
70,000 80,000
90,000 100,000
Q3 2010 Q4 2010 Q1 2011 Q2 2011 Q3 2011 Q4 2011 Q1 2012 Q2 2012 Q3 2012
Retail to Total Loans
Retail to Total Loans
Micro Credit Business Banking
Consumer Finance
23
200 300
305 355
465 600
800 800
878 879
924 928
10 152
480 710
711 717
751
2008 2009
2010 2011
Q1 2012
Q2 2012
Q3 2012
Branch Unit
Kiosk
271 430
562 694
733 765
789
2008 2009 2010 2011 Q1
2012 Q2
2012 Q3
2012
Customers 000 Network
Of New Customers
7 3
,5 6
6 7
9 ,5
7 6
,3 2
5 9
4 ,8
5 5
7 4
,0 3
7 1
1 ,0
1 2
1 ,0
7 1
4 6
,3 5
9 1
2 6
,5 9
1 4
,0 6
4 1
3 1
,7 1
5
Q1 10
Q2 10
Q3 10
Q4 10
Q1 11
Q2 11
Q3 11
Q4 11
Q1 12
Q2 12
Q3 12
24
1 ,3
4 7
1 ,6
4 6
1 ,6
4 5
2 ,1
9 5
1 ,8
2 6
2 ,5
2 2
2 ,7
9 1
4 ,2
8 3
,3 9
7 4
,5 2
5 4
,4 3
5
Q1 10 Q2 10 Q3 10 Q4 10 Q1 11 Q2 11 Q3 11 Q4 11 Q1 12 Q2 12 Q3 12
Booking
Outstanding – Rp Tn
4.4 5.4
7.3 11.8
13.1 15.1
16.8 2.0
2.3 2.8
3.9 4.4
5.0 5.6
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 Q3 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
20.2 Asset Spreads
25
August 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
,8 1
4 9
,1 9
3 1
,0 1
7 1
,6 8
1 1
1 ,6
2 6
1 2
,5 9
3 1
3 ,5
1 4
,2 6
8 1
5 ,5
2 3
1 6
,4 6
6 1
7 ,7
7 9
1 8
,7 6
4 2
,1 1
3 2
,9 1
9 3,697
3 ,7
4 3
,6 9
9 3
,7 5
3 3
,8 2
2 3
,8 9
3 ,9
4 1
3 ,9
5 7
3 ,9
6 4
3 ,9
7 9
3 ,9
4 9
3 ,8
8 7
3 ,7
7 7
3 ,6
7 9
3 ,5
7 1
3 ,9
8 3
4 ,0
9 9
4 ,2
5 2
4 ,5
4 1
4 ,7
1 9
4 ,9
8 5
5 ,1
9 4
5 ,4
2 8
5 ,6
4 3
5 ,9
1 9
6 ,1
6 ,2
3 3
6 ,3
3 5
6 ,5
8 7
6 ,9
4 2
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
4,590
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
6,609
572 615
691 915
1,063 1,214
1,325 1,393
1,454 1,583
1,630 1,690
1,772 1,840
1,847
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
9 Q
2 9
Q 3
9 Q
4 9
Q 1
1 Q
2 1
Q 3
1 Q
4 1
Q 1
1 1
Q 2
1 1
Q 3
1 1
Q 4
1 1
Q 1
1 2
Q 2
1 2
Q 3
1 2
Other Auto
Credit Cards Payroll Loans
Home Equity Loans Mortgages
Loan Type Growth
Y-o-Y Q-o-Q
Other 13.02
0.39 Auto Loans
57.38 0.25
Credit Cards 17.39
2.20 Payroll Loans
13.81 5.39
Home Equity Loans 9.41
2.77 Mortgages
27.04 4.01
Total Consumer 22.69
6.34
Quarterly Consumer Loan Balances by Type Consumer Loan Growth by Type
Rp44.5 tn
Auto Motorcycle Loans channeled or executed through finance companies = Rp 7.45Tn in our Commercial Loan
Portfolio
27
3 7
5 5
6 6
8 5
2 9
6 6
1 ,1
4 6
5 8
7 3
2 7
8 2
5 7
5 7
6 8
8 4
3 9
8 3
4 1
4 2
5 6
6 6
9 4
1 ,3
6 1
,3 6
9 1
,6 5
6 1
,5 3
1 ,5
9 2
9 8
1
Q 1
1 Q
2 1
Q 3
1 Q
4 1
Q 1
1 1
Q 2
1 1
Q 3
1 1
Q 4
1 1
Q 1
1 2
Q 2
1 2
Q 3
1 2
JF Non JF
Total Booking and the Breakdown for Joint Financing and Non JF
Breakdown of Financing
4 5
5 3
9 8
6 1
,1 1
1 ,3
7 1
,3 6
4 1
,2 4
5 1
,3 5
5 1
,3 5
3 1
,6 9
1 ,4
2 3
9 3
6 3
5 1
3 7
2 3
5 4
2 2
3 4
2 3
1 2
3 7
3 4
8 6
3 9
6
61 79
118 99
118 109 84
67 60 72
49
Q 1
1 Q
2 1
Q 3
1 Q
4 1
Q 1
1 1
Q 2
1 1
Q 3
1 1
Q 4
1 1
Q 1
1 2
Q 2
1 2
Q 3
1 2
Motorcycle Used Car
New Car
9M 2012 Performance
28 Rp Bn
9M 2012
9M 2011
Change
Loans 10,411
7,672 35.70
Net Income after tax 81.80
46.95 74.23
Approval Rate 86.94
85.77 1.36
Disbursement 5,819
5,405 7.66
NIM 3.17
2.75 15.27
ROA 4.21
2.67 57.68
ROE 24.28
16.34 48.59
CER 47.63
46.23 3.03
NPL 1.19
1.15 3.48
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
13,769
2 ,0
4 ,0
6 ,0
8 ,0
1 ,0
1 2
,0 1
4 ,0
1 6
,0 1
8 ,0
2 ,0
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
Q312
2 -
Sp e
ci al
M e
n ti
o n
L o
a n
s Rp
B n
2 6
.2 24
.8 1
5 .0
9 .4
1 2
.9 1
5 .5
1 1
.9 9
.7 1
.2 9
.7 1
.6 9
.7 9
.0 6
.1 4
.6 4
.2 4
.2
3 .9
4 .3
C at
2
N P
L Mo
ve m
e n
t -
C o
n so
lid a
te d
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 2.04
7 .0
1 4
6 .7
1 2
9 .5
1 9
.4 1
3 9
.1 1
2 8
.8 4
4 .4
1 2
7 .1
1 3
6 .1
2 1
9 .1
1 9
2 .4
1 7
5 .0
1 5
5 .5
1 7
4 .2
1 8
5 .1
1 8
5 .1
1 8
9 .6
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
Q312
G ro
ss N
P L
Rat io
P ro
v N
P L
G ro
ss N
P Ls
2 .0
, c
o ve
rag e
at 1
8 9
.6 -
C at
e g
o ry
2 lo
an
st ab
le at
4 .3
C a
te go
ry 2
L o
an s
– B
an k
O n
ly 2
NPLs Rp tn
Q
Rp tn NPLs
Corporate 2.70
0.27 2.09
Commercial 0.96
0.09 1.03
Small 0.98
0.18 2.79
Micro 0.61
0.05 3.67
Consumer 0.89
0.04 2.00
Total 6.15
0.09 1.91
Non-Performing Loans by Segment
Excluding loans to other banks.
15 -
218 -
89 -
15 243
143
18 298
50
52 161
131
250 500
750 1,000
UG to PL DG to NPL
WO
Corp Comm
Micro Small
Cons
Movement by Customer Segment Rp Bn
6.06 0.10
0.79 0.26
0.54 0.20
6.15
Q2 12 UG to PL
DG to NPL Payment Write-Offs Other
Q3 12
Non-Performing Loan Movements Rp tn – Bank Only
30
Total Loans originated since 2005 Net
Upgrades Downgrades
Q3 2012 Details
Loan Background
Q Balance
Rp bn Q3
2010 Q4
2010 Q1
2011 Q2
2011 Q3
2011 Q4
2011 Q1
2012 Q2
2012 Q3
2012 DG to
NPL UG to
PL
Corporate 113,481.84
0.18 0.05
0.45 -
0.20 0.29
- 0.03
0.01 -
0.01
Commercial 87,136.85
0.13 0.04
0.27 0.05
0.13 0.00
0.25 0.15
0.05 0.05
-
Small 31,556.17
0.83 0.37
0.92 0.91
0.91 0.29
0.77 0.70
0.84 0.90
0.06
Micro 16,649.02
2.17 1.51
2.08 1.69
1.93 1.03
1.51 1.30
1.37 1.46
0.09
Consumer 43,794.09
0.35 0.14
0.45 0.28
0.33 0.08
0.32 0.24
0.25 0.36
0.11
Total
292,617.96
0.33 0.12
0.51 0.22
0.34 0.21
0.28 0.23
0.22 0.25
0.03
downgrades and
upgrades are quarterly figures
31
Total Assets Rp51.2 tn
Bond Trading Volume Rp49.3 tn
Total Assets Rp13.5 tn
Total Loans Rp625bn
Total Financing Rp5.8tn
Total Financing Rp41.8 tn
Equity FI Underwriting Rp7.7 tn
Annual FYP Rp 2.4 tn
Net Interest Margin 10.32
Net Interest Margin 3.17
Total Deposits Rp44.5 tn
Equity Trading Volume Rp47.4 tn
Fee Contribution Rp341.1 bn
ROA 2.07
ROA 4.21
ROE 25.22
ROE 4.7
ROE 78.18
ROE 11.10
ROE 24.28
• 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
A X
A M
an d
ir i F
in an
ci al
S e
rv ic
e s
P e
rf o
rm an
ce s
N e
t P
ro fi
t A
ft e
r Ta
x i
n B
n
A n
n u
al F
ir st
Y e
a r
P re
m iu
m A
FY P
i n
B n
O f
P o
lic yh
o ld
e rs
89 90
245 235
171 183
237 255
258 234
262
1Q 10 2Q 10
3Q 10 4Q 10
1Q 11 2Q 11
3Q 11 4Q 11
1Q 12 2Q 12
3Q 12
403 599
549 673
820 742
769 946
796 892
712
1Q 10 2Q 10
3Q 10 4Q 10
1Q 11 2Q 11
3Q 11 4Q 11
1Q 12 2Q 12
3Q 12
-7 Y
o Y
G ro
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
1,878,121
1Q 10 2Q 10
3Q 10 4Q 10
1Q 11 2Q 11
3Q 11 4Q 11
1Q 12 2Q 12
3Q 12
1 .8
Y o
Y G
ro w
th
1 .5
Y o
Y G
ro w
th
A s
o f
Ju n
3 Rp
T n
2 1
2 2
1 1
A p
p rai
sal V
al u
e 3
2 .1
2 4
.1 3
34
Target 2012 9Mo Realization
Gross Loan Growth YoY 22 - 24
22.8 Low Cost Deposits Consolidated
300 Tn 271.6 Tn
Net Interest Margins ~ 5.20
5.41 Efficiency Ratio
~ 45 43.3
Gross NPLs 3
2.04 Cost of Credit
~ 1 – 1.2
1.2
of New ATMs 1,500
1,450 of New EDCs
70,000 43,619
of New Micro Outlets 300
256 of New Branches
60 196
35
Operating Performance
Highlights
36 Rp bn
Rp bn
3,079 865
601 439
4,106 230 3,876
741 522
1,075 393
1,088 547
1,106 824
954 1,403
537 1,138
416 1,187
1,385
659 1,144
1,011 1,035
2008 2009
2010 2011
Q1 2012 Q1
Q2 Q3
Q4
54.0
2,483
Performance to Date: 9M 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 3,876
Q3 2012 Q3 2011
Y-o-Y
Revenues 268
337 20
• Investment Banking 49
127 61
• Capital Market 154
150 3
• Investment Mgt 65
60 8
• Asset Recovery
Operating Expenses 232
211 10
Earnings After Tax 29
58 50
Equity Transactions – bn
47,568 59,291
23 SUN Transactions - bn
49,280 33,226
48 Bonds Underwritten - bn
7,741 11,340
32
ROA 2.3
0.6 283
ROE 4.7
9.9 53
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
695 2,700
168 3,227
7 3,234
210 455
724 3,091
1,159 153
348 1,338
389
1164
322 316
1,247 954
911
118 263
1,540 1,660
2008 2009
2010 2011
2012
Q1 Q2
Q3 Q4
803 27.1
4,848
1,382 6,094
Performance to Date: 9M 2012 Contribution Margin after PPAP
Strategies for 2012
Rp bn Rp bn
3,234
852 923
939 1,010
1,776 946
1,266 1,176
1,314 2,024
714 1,166
1,174 1,057
1,907
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
5,461 581
1,296 691
6,647 940
5,707
68.8
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: 9M 2012 Contribution Margin after PPAP
Strategies for 2012
Rp bn Rp bn
5,707
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
6.9 7.0
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
Q212 Q312
1 3
.6 1
2 .3
1 2
.4 1
3 .5
1 3
.0 1
2 .4
1 2
.3 1
2 .7
1 2
.0 1
2 .1
1 2
.3 1
3 .3
1 3
.2 1
3 .0
1 1
.5 1
2 .0
1 2
.2
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 41.82
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 Q312
Fi n
a n
ci n
g
St ro
n g
g ro
w th
f ro
m B
an k
Sy ar
iah M
an d
ir i
90.2 91.1
