18
Non-Loan Related Fees Commissions 2Q
2016 1Q
2016 2Q
2015 Y-o-Y
Q-o-Q Δ
Δ
Administration Fees 968
766 806
20.1 26.4
Opening LC, BG Cap. Market Custodian Trustee 317
308 341
6.8 3.0
Subsidiaries 350
321 371
5.8 9.2
Transfer, Retail Transaction 584
538 471
24.1 8.6
Credit Cards 513
488 544
5.8 5.1
Mutual Fund, ORI Bancassurance 100
101 102
1.9 0.8
Syndications 185
58 93
99.0 217.2
Payroll Package 21
18 19
10.4 17.3
Others 86
66 70
23.1 29.2
Total 2,952
2,531 2,677
10.3 16.6
Foreign Exchange Gains 600
417 473
26.7 43.9
Gains Fr Sale Incr. in Value of Sec. Gov. Bonds 206
203 17
NA 1.4
Cash Recoveries 620
571 614
1.0 8.7
Other Income 611
482 404
51.1 26.8
Total Fee Based Income As Reported 4,988
4,203 4,152
20.1 18.7
of Non Loan Related fees to total Opr. income 28.1
24.4 25.9
Some numbers have been reclassified to some fee categories
19
1 ,5
2 4
1 ,5
1 1
,8 8
3 2
,1 7
1 ,6
1 4
2 ,0
4 2
,0 7
1 2
,5 6
5 2
,0 3
4 2
,3 2
2 2
,3 7
5 3
,1 6
7 2
,3 9
2 ,6
9 3
2 ,9
5 8
3 ,4
8 8
2 ,5
7 4
3 ,1
7 3
3 ,3
2 2
3 ,7
3 3
,3 5
3 ,6
4 1
,5 4
7 1
,6 3
1 1
,6 7
1 1
,9 3
1 ,8
6 5
1 ,9
3 9
1 ,8
6 9
2 ,3
7 2
2 ,0
4 2
2 ,3
3 6
2 ,6
7 9
2 ,3
7 4
2 ,6
2 6
2 ,6
6 2
2 ,7
5 2
2 ,8
7 2
,9 2
3 ,1
9 2
,9 3
3 ,4
4 4
3 ,4
6 3
,4 8
8
1 Q
1 1
2 Q
1 1
3 Q
1 1
4 Q
1 1
1 Q
1 2
2 Q
1 2
3 Q
1 2
4 Q
1 2
1 Q
1 3
2 Q
1 3
3 Q
1 3
4 Q
1 3
1 Q
1 4
2 Q
1 4
3 Q
1 4
4 Q
1 4
1 Q
1 5
2 Q
1 5
3 Q
1 5
4 Q
1 5
1 Q
1 6
2 Q
1 6
GA Expenses Personnel Expenses
Breakdown of 2Q 2016 Operating Expenses Quarterly Consolidated Operating Expenses CIR
Rp Bn Rp Bn
32.4 37.3
39.0 41.6
44.0 43.2
42.7 51.3
41.1 43.1
42.5 48.4
41.8 43.2
46.6 44.4
44.4 45.2 40.1
42.7 44.5
45.2
CIR
Q2 2016 Q1 2016
Q2 2015 Growth
QoQ YoY
Personnel Expenses
Base Salary 880
879 796
0.2 10.6
Other Allowances 1,673
1,635 1,485
2.3 12.7
Post Empl. Benefits 105
96 93
8.4 12.8
Training 134
81 65
65.5 107.4
Subsidiaries 696
714 671
2.6 3.6
Total Personnel Expenses 3,488
3,406 3,109
2.4 12.2
GA Expenses
IT telecoms 522
540 451
3.3 15.7
Occupancy Related 781
595 627
31.2 24.5
Promo Sponsor 273
293 258
6.9 5.5
Transport Travel 203
150 171
35.5 18.8
Goods, Prof. Svcs. Oth. 460
437 344
5.2 33.6
Employee Related 603
579 567
4.2 6.4
Subsidiaries 798
711 755
12.3 5.8
Total GA Expenses 3,640
3,305 3,173
10.1 14.7
Other Expenses 929
862 941
7.8 -1.2
Total Operating Expenses 8,058
7,572 7,223
6.4 11.5
Reclassification from Occupancy Related to Employee Related
Top 10 Industries in Corporate Lending Expansion 2Q
6 – 2Q 5 Total Rp24.78 Tn
Rp Bn
1,470 1,502
1,828 2,662
2,777 2,782
3,455 3,733
3,920 5,386
Trad-Dom Mining-Oil Gas
Mfg-PP Roads Bridge
Real Estate Soc Serv
Trad-Exp Mfg-RawM
Electricity Mfg-FB
21.74
15.82 15.07
13.94 11.23
11.21 10.75
7.38 6.06
5.93
Rp Bn
Top 10 Industries in Commercial Lending Expansion 2Q
6 – 2Q 5 Total Rp9.52 Tn
479 588
702 759
901 986
1,185 1,248
1,319 7,039
Mfg-Metal Constr
Mfg-FB Mfg-Chem
Soc Serv Comm
Trad-Exp Mfg-Text
Trad-Distr Plantations
73.9
13.9 13.1
12.4 10.4
9.5 8.0
7.4 6.2
5.0
20
W h
o le
sal e
T ran
sac ti
o n
s D
ri vi
n g
C A
SA
W h
o le
sal e
C A
SA D
e p
o si
ts
R p
B n
58,055 62,257
61,691 53,604
74,116 89,959
74,334 73,192
140,278 115,296
134,583
- 20
,000 40,
000 60,
000 80,
000 100,
000 120
,000 140
,000 160
,000
2007 2008
2009 2010
2011 2012
2013 2014
2015 2Q15
2Q16
1 6
.7 Y
o Y
G ro
w th
745 2,414
4,066 6,153
7,784 10,943
11,899 12,932
13,629 13,873
14,105 14,397
14,676 15,101
15,565 16,200
2006 2007
2008 2009
2010 2011
2012 2013
3Q14 4Q14
1Q15 2Q15
3Q15 4Q15
1Q16 2Q16
C a
sh Ma
n a
g e
m e
n t
U se
rs
248 677
1,178 2,201
2,657 3,598
3,989 4,484
4,832 5,123
5,266 5,384
5,704 7,085
4Q10 4Q11
4Q12 4Q13
1Q14 2Q14
3Q14 4Q14
1Q15 2Q15
3Q15 4Q15
1Q16 2Q16
A ve
rag e
o f
C a
sh Ma
n a
g e
m e
n t
, t
o tal
2 1
.2 Mn
tr an
sac ti
o n
s in
2 Q
2 1
6
E xc
lu d
in g
M an
d ir
i T
ran sa
ct io
n S
ys te
m
22 Forex
3 4
4 2
6 3
6 1
5 6
4 1
1 9
2 4
281,153 310,512
322,795 399,500 379,730
348,436 233,171 219,172
- 50,000
100,000 150,000
200,000 250,000
300,000 350,000
400,000 450,000
- 10.0
20.0 30.0
40.0 50.0
60.0 70.0
80.0 90.0
Dec 10 Dec 11 Dec 12 Dec 13 Dec 14 Dec 15 Jun 15 Jun 16
Value USD Bn of Trx
Wholesale Remittance
7 9
4 1
2 1
1 3
5 1
4 6
1 2
6 6
8 4
7
435,866 448,219
599,909 651,241
739,046 730,011
417,741 256,032
- 100,000
200,000 300,000
400,000 500,000
600,000 700,000
800,000
- 20.0
40.0 60.0
80.0 100.0
120.0 140.0
160.0 180.0
Dec 10 Dec 11 Dec 12 Dec 13 Dec 14 Dec 15 Jun 15 Jun 16
Value USD Mn of Trx
Mandiri Cash Management
5 4
9 8
1 8
1 ,5
1 9
2 ,2
3 1
3 ,1
2 3
,7 7
8 1
,8 2
6 1
,9 9
7
2,503 7,668
13,676 24,543
44,184 61,599
29,647 40,614
25,000 15,000
5,000 5,000
15,000 25,000
35,000 45,000
55,000 65,000
- 500.0
1,000.0 1,500.0
2,000.0 2,500.0
3,000.0 3,500.0
4,000.0 4,500.0
5,000.0
Dec 10 Dec 11 Dec 12 Dec 13 Dec 14 Dec 15 Jun 15 Jun 16
Value Rp Bn of Trx 000
Trade Transactions : Export, Import, Domestic
Excluding Mandiri Transaction System
8 5
1 1
1 2
5 1
3 3
1 3
7 1
2 7
6 5
4 8
495,813 510,916
517,251 520,948
509,207 468,870
231,297 196,115
- 100,000
200,000 300,000
400,000 500,000
600,000
- 20.0
40.0 60.0
80.0 100.0
120.0 140.0
160.0 180.0
200.0
Dec 10 Dec 11 Dec 12 Dec 13 Dec 14 Dec 15 Jun 15 Jun 16
Value USD Bn of Trx
23
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 1
6 5
.0 1
5 7
.5 1
6 6
.8 1
7 6
.3 1
9 .9
1 7
9 .0
1 8
.8 1
8 4
.7 2
2 .6
1 8
2 .5
1 8
6 .0
1 8
8 .0
2 9
.8 1
9 3
.0 2
1 4
.8 11.7 11.9
11.5 11.3 12.7
12.8 13.0
13.7 14.7
15.6 18.4
20.7 21.0 22.0
21.8 24.0
22.2 23.2 24.3
23.1 21.1
21.7
10.5 11.9
12.2 15.7 14.6
15.4 16.1
18.6 17.0
16.7 28.6
33.0 29.7 33.6
34.4 40.2
33.5 36.4 25.0
31.9 29.0
29.9
3.5 3.5 4.1
4.2 4.3
4.3 10.7
11.4 12.1
11.9 13.1 13.0
12.8 14.4
7.8 7.6
6.9 6.5
69.0 68.6
70.8 73.1 71.6
70.3 71.5
71.4 72.1
70.7 80.2
84.5 88.4
100.1 108.3
120.0 119.2
116.0 110.0
110.3 112.2
115.5
5.3 5.2
5.2 5.3 5.0
5.0 5.1
5.0 4.7
4.6 6.4
7.0 6.3
7.0 7.2
9.5 9.0 7.8
7.7 7.4
6.9 6.8
20 40
60 80
100 120
140 160
180 200
220 240
260 280
300 320
340 360
380 400
420 440
1 Q
1 1
2 Q
1 1
3 Q
1 1
4 Q
1 1
1 Q
1 2
2 Q
1 2
3 Q
1 2
4 Q
1 2
1 Q
1 3
2 Q
1 3
3 Q
1 3
4 Q
1 3
1 Q
1 4
2 Q
1 4
3 Q
1 4
4 Q
1 4
1 Q
1 5
2 Q
1 5
3 Q
1 5
4 Q
1 5
1 Q
1 6
2 Q
1 6
Rp Savings Deposits FX Savings Deposits
Rp Demand Deposits FX Demand Deposits
Rp Time Deposits FX Time Deposits
Retail Deposit Analysis – Bank Only
2.32.3 2.2 2.8
2.0 1.7 2.2
1.8 1.9 2.0 2.02.0 2.1
1.9 2.1 2.1 2.0
1.8 2.2
2.4 2.1
1.5 1.5
1.5 1.5 1.5 1.3 1.2
1.2 1.3 1.1
6.3 6.5
6.3 5.7
5.0 5.1
5.0 5.5
7.0 7.3
8.3 7.8
7.4 7.5
7.2 6.9
6.7 5
10 Rp DD
Rp Savings Rp TD
Average Quarterly Deposit Costs
0.1 0.2 0.3 0.3 0.3 0.3 0.3 0.3 0.3
0.4 0.2 0.3
0.6 0.8
0.6 0.8
1.2 1.2
1.1 1.3
1.8 1.2
0.8 0.6 0.5 0.5
0.0 0.5
1.0 1.5
2.0
4 Q
1 1
4 Q
1 2
4 Q
1 3
1 Q
1 4
2 Q
1 4
3 Q
1 4
4 Q
1 4
1 Q
1 5
2 Q
1 5
3 Q
1 5
4 Q
1 5
1 Q
1 6
2 Q
1 6
FX DD FX TD
64.9 66.1
63.8 66.5
70.1 72.5 71.6 73.0
73.7 71.9
69.9 68.8
66.2 67.7
67.6 69.8
67.7 69.1
CASA as of total deposits
24
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
1 5
,1 9
2 1
8 ,4
3 4
1 1
8 ,7
8 8
1 2
3 ,8
3 3
1 3
,1 5
8 1
3 1
,8 5
7 1
4 ,1
8 9
1 4
6 ,7
4 4
1 5
5 ,3
3 8
1 5
8 ,1
7 3
1 6
5 ,3
4 1
6 7
,4 2
9 1
7 5
,2 1
1 1
7 3
,7 3
9 1
8 2
,1 9
28.6 27.6
28.3 29.6
29.6 29.8
30.2 30.9
31.8 31.7 31.3
31.2 31.8
32.6 32.5
32.7 33.1
33.3 33.3 32.7
33.8 33.3
20 22
24 26
28 30
32 34
30,000 40,000
50,000 60,000
70,000 80,000
90,000 100,000
110,000 120,000
130,000 140,000
150,000 160,000
170,000 180,000
190,000 200,000
210,000 220,000
1 Q
2 1
1 2
Q 2
1 1
3 Q
2 1
1 4
Q 2
1 1
1 Q
2 1
2 2
Q 2
1 2
3 Q
2 1
2 4
Q 2
1 2
1 Q
2 1
3 2
Q 2
1 3
3 Q
2 1
3 4
Q 2
1 3
1 Q
2 1
4 2
Q 2
1 4
3 Q
2 1
4 4
Q 2
1 4
1 Q
2 1
5 2
Q 2
1 5
3 Q
2 1
5 4
Q 2
1 5
1 Q
2 1
6 2
Q 2
1 6
Retail to Total Loans
Retail to Total Loans
Micro Credit Business Banking
Consumer Finance
Rp Bn
66,990 76,123
9,133
2Q2015 Growth
2Q2016
YoY 13.6
Consumer Finance Rp Bn
Business Banking
57,872 60,046
2,173
2Q2015 Growth
2Q2016
YoY 3.8
Rp Bn Micro Credit
39,708 46,021
6,314
2Q2015 Growth
2Q2016
YoY 15.9
St ro
n g
M ic
ro fi
n an
ce G
ro w
th
200 300
502 687
898 994
994 1,000
600 800
800 878
928 1,027
1,127 1,427
1,427 1,510
10 152
480 710
760 751
706 653
653 649
6 6
6
2008 2009
2010 2011
2012 2013
2014 2015
1Q 16 2Q 16
Bra n
ch Unit
Ki o
sk C
a sh
O u
tl e
t
C u
st o
m e
rs
N e
tw o
rk O
f N
e w
C u
st o
m e
rs
73,566 79,500
76,325 94,855
74,037 110,000
121,007 146,359
126,509 140,064
131,715 147,825
138,747 160,620
136,196 162,181
140,886 167,145
158,909 162,738
134,501 138,500
97,164 127,828
130,227 146,323
1Q 10 2Q 10
3Q 10 4Q 10
1Q 11 2Q 11
3Q 11 4Q 11
1Q 12 2Q 12
3Q 12 4Q 12
1Q 13 2Q 13
3Q 13 4Q 13
1Q 14 2Q 14
3Q 14 4Q 14
1Q 15 2Q 15
3Q 15 4Q 15
1Q 16 2Q 16
2 7
1 4
3 5
6 2
6 9
4 8
1 5
8 8
9 1
,0 9
1 ,1
1 2
1 ,1
3 5
1 ,1
6 3
2008 2009
2010 2011
2012 2013
2014 2015
1Q 16 2Q 16
… as
el l as
C o
su e
L e
di g,
hi h
‘o se
.
Y -o
-Y as
M o
rt g
ag e
G ro
w th
C o
n ti
n u
e s
T o
R is
e
13,500 14,268
15,523 16,466
17,779 18,764
20,113 20,919
22,818 24,092
26,135 27,357
26,995 26,690
26,505 26,347
26,495 26,207
26,340 26,369
26,832 26,869
27,651
3,957 3,964
3,979 3,949
3,887 3,777
3,679 3,571
3,471 3,365
3,312 3,240
3,181 3,172
3,198 3,240
3,310 3,326
3,432 3,534
3,739 3,892
4,313
6,374 6,398
6,708 6,861
6,995 7,143
7,412 7,753
8,206 8,386
8,958 9,374
9,781 10,030
10,642 11,253
11,880 12,201
12,838 13,408
14,103 14,497
15,279
3,589 3,575
3,761 3,910
4,296 4,245
4,492 4,590
5,035 5,025
5,195 5,303
5,620 5,557
6,855 7,568
8,288 8,343
8,751 8,683
8,970 8,768
8,761
2,826 3,454
3,492 4,200
5,115 5,829
6,593 6,609
7,209 7,486
7,905 9,013
10,218 11,083
12,260 13,271
13,983 14,890
15,630 16,641
17,608 18,344
18,981
4 4
7 6
9 8
7 9
1 8
7 3
9 2
8 9
6 4
1 ,0
1 6
1 ,0
3 7
1 ,0
1 9
6 6
9 2
7 9
4 8
9 8
4 8
5 7
6 5
7 5
6 8
3 7
3 3
8 9
2 9
9 8
1 ,0
4 3
1 ,0
9 1
5 ,0
1 ,0
1 5
,0 2
,0 2
5 ,0
3 ,0
3 5
,0 4
,0 4
5 ,0
5 ,0
5 5
,0 6
,0 6
5 ,0
7 ,0
7 5
,0 8
,0 8
5 ,0
4Q 10 1Q 11
2Q 11 3Q 11
4Q 11 1Q 12
2Q 12 3Q 12
4Q 12 1Q 13
2Q 13 3Q 13
4Q 13 1Q 14
2Q 14 3Q 14
4Q 14 1Q 15
2Q 15 3Q 15
4Q 15 1Q 16
2Q16
O th
e r
A u
to C
re d
it C
ar d
s
P a
yr o
ll Lo
an s
H o
m e
E q
u ity
L o
an s
Mo rtg
a g
e s
Lo an
T yp
e G
ro w
th
Y -o
-Y Q
-o -Q
O th
e r
4 8
.8 4
A u
to L
o an
s 2
1 .4
3 .5
C re
d it
C ar
d s
.1 -0
P a
yr o
ll L
o an
s 1
9 .0
5 .4
H o
m e
E q
u it
y Lo
an s
2 5
.7 1
Mo rt
gag e
s 5
.0 2
To tal
C o
n su
m e
r 1
2 .4
3 .7
Q u
ar te
rl y
C o
n su
m e
r Le
n d
in g
B al
a n
ce s
b y
Ty p
e C
o n
su m
e r
Le n
d in
g G
ro w
th b
y Ty
p e
Rp 7
6 .1
T n
A u
to M
o to
rc yc
le L
o a
n s
ch an
n e
le d
o r
e xe
cu te
d t
h ro
u g
h
fi n
an ce
c o
m p
an ie
s =
Rp 8
T n
in o
u r
C o
m m
e rc
ial P
o rt
fo lio
27 Quarterly Transaction Value Rp Tn
Quarterly Users Mn
95.5 122.2
147.7 153.8
170.0 179.3
191.2 192.6
208.1 210.0
241.5 245.0
236.8 252.7
2.1 3.5 4.1 5.0 6.6
8.3 10.5 17.6
28.3 35.7
38.9 53.0
55.3 68.9
7.1 14.0
18.1 23.5 26.8
29.4 33.3 33.3
34.5 46.7
32.6 36.1
36.5
20 40
60 80
100 120
140 160
180 200
220 240
260 280
4 Q
9 4
Q 1
1 Q
1 1
2 Q
1 1
3 Q
1 1
4 Q
1 1
1 Q
1 2
2 Q
1 2
3 Q
1 2
4 Q
1 2
1 Q
1 3
2 Q
1 3
3 Q
1 3
4 Q
1 3
1 Q
1 4
2 Q
1 4
3 Q
1 4
4 Q
1 4
1 Q
1 5
2 Q
1 5
3 Q
1 5
4 Q
1 5
1 Q
1 6
2 Q
1 6
ATM Mobile Banking
Internet Banking
7.7 8.6
8.2 9.2
10.0 10.6
11.1 11.6
11.8 12.4
12.6 12.6
13.6
3.2 4.7
4.9 5.3
5.6 5.8
6.1 6.3
6.5 6.7 6.8
6.9 7.0
7.1
1.2 1.0 1.1
1.2 1.3 1.4 1.5 1.6
1.7 1.8 1.9 2.0
2.1
2 4
6 8
10 12
14
4 Q
9 4
Q 1
1 Q
1 1
2 Q
1 1
3 Q
1 1
4 Q
1 1
1 Q
1 2
2 Q
1 2
3 Q
1 2
4 Q
1 2
1 Q
1 3
2 Q
1 3
3 Q
1 3
4 Q
1 3
1 Q
1 4
2 Q
1 4
3 Q
1 4
4 Q
1 4
1 Q
1 5
2 Q
1 5
3 Q
1 5
4 Q
1 5
1 Q
1 6
2 Q
1 6
Debit Cards Mobile Banking
Internet Banking
Quarterly Transaction Volume Mn
142 157
184 189
212 218 233 235
246 249 268
293 295
287 309
39 36
44 41 43 41 39
44 51
53 47
48 50
46 49
12 18
23 26 32 31 34
57 70
113 172
196 190
254
17 42
55 78
85 67
76 81
89 117
102 117
131 138
25 50
75 100
125 150
175 200
225 250
275 300
325
4 Q
9 4
Q 1
1 Q
1 1
2 Q
1 1
3 Q
1 1
4 Q
1 1
1 Q
1 2
2 Q
1 2
3 Q
1 2
4 Q
1 2
1 Q
1 3
2 Q
1 3
3 Q
1 3
4 Q
1 3
1 Q
1 4
2 Q
1 4
3 Q
1 4
4 Q
1 4
1 Q
1 5
2 Q
1 5
3 Q
1 5
4 Q
1 5
1 Q
1 6
2 Q
1 6
ATM Branch
Mobile Banking Internet Banking
28
Volume Mandiri Business Saving Account Rp Tn
Numbers of EDC
23,690 27,611
33,732 47,127
92,903 180,532
230,352 270,352
286,861 287,605
292,001
2 7
2 8
2 9
2 1
2 1
1 2
1 2
2 1
3 2
1 4
2 1
5 1
Q 1
6 2
Q 1
6
Fee Income from e-channel Tx Rp Bn
52.1 89.4 126.2 200.3 258.2
315.2 347.6 414.7
604.3 711.7
65.5 98.5
166.6 196.5
285.7 318.6
382.0 490.3
663.4 765.2
81.9 110.5
194.5 249.3
313.9 361.8
437.5 489.2
683.3
89.0 117.8
223.7 268.5
312.8 464.4
512.9 664.8
771.0
2 7
2 8
2 9
2 1
2 1
1 2
1 2
2 1
3 2
1 4
2 1
5 2
1 6
Q4 Q3
Q2 Q1
16.5 YoY
Growth
3.5 4.8 8.0
17.7 34.7
59.4 85.8
102.3 108.5
89.0 102.4
2 7
2 8
2 9
2 1
2 1
1 2
1 2
2 1
3 2
1 4
2 1
5 2
Q 1
5 2
Q 1
6
15.1 YoY
Growth
29
Fiesta Point Program
A program to get points based on savings average balance and of transactions through e-channel or branch, so that customer has the
opportunity to earn immediate prizes.
Mandiri Belanja Untung Program
Prizes for buyers who do the transactions in the merchant as a participants, or using Mandiri EDC. For sellers, they have the
opportunity to be included into the national lucky draw.
Belanja Hoki Dagang Hoki Program
Co-promotion with the ITC Group for the merchants and the buyers who transact in ITC using Mandiri Debit and also a reward program
for the building management.
MTB Transaction Volume
2 1
,1 6
2 1
2 ,8
4 4
2 6
1 ,9
3 5
2 6
5 ,4
2 3
2 7
2 ,2
1 2
2 9
,0 1
9 3
6 ,8
3 1
3 4
9 ,8
6 8
2 9
9 ,4
1 7
3 2
2 ,5
8 7
3 8
,8 3
2 3
4 8
,0 5
9 2
6 7
,1 9
5 3
3 4
,9 1
2
9,235 10,601
11,385 12,616
12,773 14,068
14,508 16,052
15,996 17,444
17,101 18,373
20,186 20,187
- 3,000
6,000 9,000
12,000 15,000
18,000 21,000
- 50,000
100,000 150,000
200,000 250,000
300,000 350,000
400,000
1 Q
1 3
2 Q
1 3
3 Q
1 3
4 Q
1 3
1 Q
1 4
2 Q
1 4
3 Q
1 4
4 Q
1 4
1 Q
1 5
2 Q
1 5
3 Q
1 5
4 Q
1 5
1 Q
1 6
2 Q
1 6
of Volume of Transactions 000
MIB Transaction Value Users SME Business w Mandiri Acc
543,972 643,334
789,300 845,073 822,506 853,589
2012 2013
2014 2015
1Q 2016 2Q 2016
1 8
,5 2
8 2
5 ,8
5 7
3 2
,2 7
3 4
2 ,5
8 2
4 7
,3 4
5 3
,1 2
4 5
7 ,4
4 7
7 3
,6 6
6 7
9 ,9
7 8
8 ,0
1 3
7 9
,1 7
3 8
9 ,3
8 9
8 9
,9 6
1 1
8 ,3
8 9
11,535 13,542
15,312 15,971
17,802 18,216
22,570 24,676
26,441 28,122
27,591 29,040 29,967
40,285
1Q 13
2Q 13
3Q 13
4Q 13
1Q 14
2Q 14
3Q 14
4Q 14
1Q 15
2Q 15
3Q 15
4Q 15
1Q 16
2Q 16
Transaction Value Rp Bn of Active Users
14,058 13,451
13,502 15,918
17,255 17,124
19,559 18,838
18,886 18,824
19,054 16,924
14,846 14,292
13,336 12,986
13,944 13,606
15,676 14,856
15,626 16,989
17,672 17,755
19,272 21,586
23,825 22,958
27,116 29,549
28,547 27,078
1 1
.5 10
.0 9
.2 9
.1 9
.8 9
.4 10
.4 9
.5 9
.4 8
.6 8
.2 6
.9 5
.9 5
.2 4
.5 4
.1 4
.3 3
.9 4
.3 3
.8 4
.0 4
.0 3
.9 3
.8 4
.1 4
.4 4
.7 4
.3 5
.1 5
.3 5
.1 4
.5 5
2 ,0
4 ,0
6 ,0
8 ,0
1 ,0
1 2
,0 1
4 ,0
1 6
,0 1
8 ,0
2 ,0
2 2
,0 2
4 ,0
2 6
,0 2
8 ,0
3 ,0
3 2
,0 3
4 ,0
1Q08 2Q08
3Q08 4Q08
1Q09 2Q09
3Q09 4Q09
1Q10 2Q10
3Q10 4Q10
1Q11 2Q11
3Q11 4Q11
1Q12 2Q12
3Q12 4Q12
1Q13 2Q13
3Q13 4Q13
1Q14 2Q14
3Q14 4Q14
1Q15 2Q15
3Q15 4Q15
S p
ec ial
M ent
ion S
p ec
ial M
ent ion
Rat io
N P
L Mo
ve m
e n
t -
C o
n so
lid a
te d
5.14 4.74
4.44 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 1.87
2.08 1.89
1.90 1.90
2.07 2.23
2.16 2.15
2.27 2.43
2.81 2.60
3.18 3.86
1 1
6 .0
1 2
2 .5
1 3
8 .9
1 2
7 .1
1 1
6 .6
1 3
6 .1
1 5
5 .2
2 6
.0
1 9
1 .7
1 9
2 .4
1 5
5 .5
1 8
5 .1
1 8
5 .1
1 8
9 .6
1 9
3 .4
1 8
5 .5
1 8
7 .6
1 8
5 .3
1 7
.3 1
5 7
.4 1
5 7
.1 1
5 .5
1 3
7 .7
1 3
6 .2
1 4
5 .5
1 3
1 .9
1 1
2 .7
1Q 08 2Q 08
3Q 08 4Q 08
1Q 09 2Q 09
3Q 09 4Q 09
1Q 10 2Q 10
3Q 10 4Q 10
1Q11 2Q11
3Q11 4Q11
1Q12 2Q12
3Q12 4Q12
1Q13 2Q13
3Q13 4Q13
1Q14 2Q14
3Q14 4Q14
1Q15 2Q15
3Q15 4Q15
1Q16 2Q16
G ro
ss N
P L
R a
ti o
P ro
v N
P L
G ro
ss N
P Ls
3 .8
6 ,
C o
ve rag
e at
1 1
2 .7
, C
at e
g o
ry 2
at 5
C a
te g
o ry
2 L
o an
s
31
Non-Performing Loans by Segment Movement by Customer Segment Rp Bn
Non-Performing Loan Movements Rp Tn – Bank-Only
Excluding loans to other banks
14.88
0.19 7.83
0.40 1.99
0.31
20.44
1Q 2016 UG to PL DG to NPL Payment Write-Offs Other
2Q 2016
- 1,236
- -
4,697
696 946
468 37
703
419
88 247
408
- 1,000
2,000 3,000
4,000 5,000
6,000 7,000
8,000
UG to PL DG to NPL
WO Corp
Comm Small
Micro Cons
NPLs 2Q
NPLs Rp tn
Rp tn Corporate
3.55 1.23
