∆ fro : IPO
Sept 30, 2012
BMRI +916.57
+21.48 JCI
+628.43 +11.53
No. of Investor
No. of shares I
DOMESTIC 1. Government of RI
1 0.01
14,000,000,000 60.00
2. Retail 7,944
44.74 121,172,325
0.52 3. Employees
7,828 44.09
112,118,818 0.48
4. Cooperatives 3
0.02 33,056
0.00 5. Foundations
14 0.08
10,746,035 0.05
6. Pension Funds 137
0.77 214,528,701
0.92 7. Insurance
52 0.29
327,049,557 1.40
8. Banks -
0.00 -
0.00 9. Corporations
104 0.59
285,468,786 1.22
11. Mutual Funds 139
0.78 663,852,954
2.85
Total 16,222
91.37 15,734,970,232
67.44 II INTERNATIONAL
1. Retail 61
0.34 1,278,617
0.01 2. Institutional
1,472 8.29
7,597,084,484 32.56
Total 1,533
8.63 7,598,363,101
32.56 No.
Description
100.00 Per 30 September 2012
III TOTAL 17,755
100.00 23,333,333,333
-200 200
400 600
800 1000
1200 1400
J u
l- 03
A p
r- 04
J a
n -05
Oc t-
05 J
u l-
06 A
p r-
07 J
a n
-08 Oc
t- 08
J u
l- 09
A p
r- 10
J a
n -11
Oc t-
11 J
u l-
12
BMRI JCI
2
Results Overview Page
Q3 2012 Highlights 3-5
SBU Performance Highlights 6-7
Loan Growth LDR 8-12
CIR ROE 13-14
Strategy Overview 15
Wholesale Transactions 16-18
Retail Value Chain 19-26
High-Yield Lending Activities 27-28
NPL Movement 29-31
SBU Alliances Subsidiaries 32-33
BMRI Targets 34
Operating Performance Highlights Supporting Materials
3
Admired Financial Institution
Retails Loans
1
• Rp 96.3 Tn • 30.2 of Loans
Subsidiaries Income • Total Rp 1.46 Tn
• Sum of income of 5 subsidiaries
13.1 of EAT Alliances total
• Card From Alliances 192.692 cards
• Alliance Payroll
Accounts: 469.100 e-Channel Tx
• 939 Mn YTD • 30.9 Growth
of Cards Issued • Credit 2.68 Mn
• Debit 9.99 Mn • Prepaid 2.24 Mn
Cash Management • 11,660 Customers
• 9.6 Mn Tx YTD 2012
2
1 Small Business, Micro and Consumers
2 Exclude Mandiri Transaction System
of Accounts • Deposits 12.73 Mn
• Loans 1.42 Mn of new Accounts YTD
• Deposit 2.76 Mn • Loans 468.450
of Outlets • 1,733 Branches
• 2,164 Micro Outlets • 10,466 ATMS
Bank Ma di i s 9-Month 2012 Performance continued to demonstrate
marked improvements in several key indicators:
M 9M
Loans Rp297.5 tn
Rp365.2tn 22.8
Net NPL Ratio
Gross NPL Ratio
0.66
2.56
0.52
2.04
21.2
20.3
Low Cost Funds Ratio
[Low Cost Funds Rp]
58.7
Rp221.1tn
63.0
Rp271.6 tn
7.4
22.9
NIM 5.14
5.41 5.3
Efficiency Ratio 39.0
43.3 11.0
Earnings After Tax 9,173 bn
11,119 bn 21.2
4
excluding Garuda Recovery, CER 41.2
8 2
.8 8
8 .8
9 3
.7 9
7 .1
9 7
.1 1
2 .9
1 8
.8 1
2 1
.9 1
1 9
.8 1
2 6
.5 1
3 5
.4 1
5 1
.8 1
5 .4
1 5
9 .9
1 6
6 .2
8.2 8.3 8.7 9.7 9.9
10.8 11.6 11.6 12.3 12.7
12.2 12.0 13.4
13.6 14.0 4
4 .5
4 7
.3 4
5 .7
5 3
.9 4
7 .8
5 .3
3 9
.9 4
6 .2
4 5
.3 4
7 .9
4 9
.4 6
7 .3
7 5
.0 5
9 .0
6 3
.0
20.3 18.3 21.1
18.8 22.0 23.1 22.9
22.2 25.4 22.3
24.0 25.3
28.2 28.0 28.5
9 9
.6 1
5 .7
1 9
.3 1
8 .4
1 2
4 .4
1 2
7 .8
1 2
7 .0
1 4
7 .8
1 4
3 .5
1 4
.8 1
4 .0
1 4
8 .1
1 2
.8 1
3 7
.5 1
3 8
.9
16.7 18.7
17.1 15.1
11.8 11.7 11.1
12.5 10.3 12.4 15.3
17.8 15.6
20.3 20.4
20 40
60 80
100 120
140 160
180 200
220 240
260 280
300 320
340 360
380 400
420 440
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 Time Rp Time
FX Demand Rp Demand
FX Savings Rp Savings
6 4
.1 6
5 .8
6 8
.8 6
9 .8
7 4
.5 8
.7 8
4 .2
8 5
.4 8
5 .1
9 6
.2 1
3 .2
1 6
.3 1
1 3
.0 1
1 9
.2 1
2 3
.2 4.4 4.4 4.2
4.5 0.2 0.4 1.3 1.4 1.6
1.5 1.7 1.4
1.3 1.5 1.6
4 .6
4 1
.9 4
3 .6
4 9
.1 4
9 .1
5 3
.1 5
7 .5
6 3
.8 6
4 .7
7 .1
7 4
.7 8
.7 8
2 .5
8 9
.8 9
3 .3
19.7 20.6 21.7
23.6 24.7 26.7
28.6 30.7 32.4
34.3 36.3
39.0 40.7
43.3 44.5
14.1 15.5 16.3
17.1 17.7 19.3
20.5 22.7 23.3
25.8 27.6
30.2 30.9
33.1 35.0
4.6 4.8 5.1
5.4 5.6 6.0
6.5 7.3 7.7
8.5 9.5
11.7 13.1
15.1 16.8
12.6 11.5 11.2
10.3 9.7 9.1
8.6 7.8 6.7
6.1 6.1
4.6 4.8
4.8 4.9
16.8 17.1 17.6
18.8 20.4 22.7
24.6 27.2 30.3
34.2 38.4
40.5 40.9
43.6 46.0
20 40
60 80
100 120
140 160
180 200
220 240
260 280
300 320
340 360
380
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
Subsidiaries SAM
Micro Small
Cons Comm
Intl Corp
Y-o-Y
33.4 0.8
18.5 27.4
22.8 Y-o-Y
77.3 26.8
22.7
Loans by SBU + Subsidiaries Rp Tn
24.9
19.3
Deposits by Product – Consolidated
Rp Tn
Loans from Treasury International have been reallocated to Corporate following the reorganization in early 2010
7.9
14.4
22.8
365.2tn
Total Total
376.4tn 430.9tn
14.5
20.5 19.8
5
297.5tn
21.00 20.61
29.81 31.57
5.52 3.63
31.17 30.78
12.49 13.41
5.04 7.12
10.95 15.35
33.42 31.97
39.49 36.47
11.11 9.09
NII Net Interest Income
Rp bn of Total
Fee Income
Rp bn of Total
Asset Spread
Rp bn of Total
Liabilities Spread
Rp bn
2,684
3,810
706
3,984
1,596 3,944
6,042
695
5,891
2,566
Corporate + Institutional
Comm Business Banking
Treasury, FI SAM
Micro Retail
Consumer Finance
9M 10 9M 12
2,074
3,075
594
780
1,590 3,079
5,461
501
2,234
2,554
9M 10 9M 12
610
735
112
3,204
6 865
581
194
3,657
12
9M 10 9M 12
25.56 22.26
37.90 39.49
7.32 3.62
9.61 16.15
19.60 18.47
277
602
1,838
2,172
611 601
1,296
1,347
3,080
768
9M 10 9M 12
6
Rp 1,353Bn from SAM recoveries on WO loans and non SAM cash recoveries Rp 336Bn
1,353
7
Assets 9Mo 2012
9Mo 2011 Liabilities
9Mo 2012 9Mo 2011
Cash 11,476
10,373 Current Account
91,441 73,433
Current Acc w BI Other Banks 45,046
40,327 Savings
180,206 147,623
Placement w BI Other Banks 43,378
34,396 Time Deposits
159,269 155,314
Advances Other 12,756
12,321 Marketable Securities
10,977 13,173 Total Deposits
430,916 376,370
Government Bonds 77,915
78,095 Loans Gross
365,163 297,482
Securities Issued 1,605
1,938 Provisions of Loans
14,202 11,904
Deposits from other banks 27,938
14,200 Reverse Repo
6,793 2,195
Borrowings 12,141
9,858 Other Provisions
1,513 1,512
Other Int. Bearing Liabilities 6,613
6,229 Investments
10,616 7,959
Non Int. Bearing Liabilities 37,898
33,586 Deferred Tax Assets
2,633 3,319
Equity incl. Minority Interest 71,295
59,764 Other Assets
17,368 15,721
Total 588,406
501,945 Total
588,406 501,945
Rp Bn, Consolidated
1 7
5 .2
1 8
1 .6
1 8
8 .3
1 9
8 .5
2 1
.9 2
1 8
.0 2
3 1
.9 2
4 6
.2 2
5 1
.8 2
7 6
.7 2
9 7
.5 3
1 4
.4 3
2 7
.2 3
5 .4
3 6
5 .2
63.2 62.2
62.8 61.4
64.1 66.3
71.7 67.6
70.2 75.9
78.7 74.1
80.7 83.4
84.4
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
Loans Rp tn LDR
1.4 3.7 3.7
5.5 1.7
7.96.4 6.2
2.3 9.9
7.5 5.7
4.1 7.1 4.2
30.5 21.4
15.7 13.8
15.3 20.0
23.2 24.0
24.7 26.9
28.3 27.7
30.0 26.6
22.8
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
QoQ Growth YoY Growth
Quarterly Loan Data
Consolidated
7 8
.8 7
9 .7
8 2
.0 8
2 .7
8 2
.9 8
8 .7
9 2
.8 9
3 .6
9 2
.5 1
3 .1
1 1
.4 1
1 1
.7 1
1 8
.6 1
2 5
.2 1
2 9
.3 4
2 .6
4 3
.6 4
5 .3
5 .6
5 .4
5 4
.2 5
8 .6
6 4
.7 6
4 .5
7 .7
7 5
.3 8
1 .1
8 2
.9 9
.1 9
3 .6
14.4 15.8 16.6
17.4 18.0 19.7
20.7 22.8 24.5
25.9 27.7
30.3 30.9
33.2 35.1
4.6 4.8
5.1 5.4
5.6 6.0
6.5 7.3
7.7 8.5
9.5 11.8
13.1 15.1
16.8
19.7 20.6 21.7
23.6 24.8 26.7
28.6 30.7 32.4
34.3 36.3
39.0 40.7
43.3 44.5
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
Corporate Commercial
Small Micro
Consumer
Quarterly Loan Segment Details
Bank Only
Y-o-Y
22.7 77.2
26.7 24.3
17.1 23.2
Total
13.9 5.3
11.0 29.3
40.5
Break down
As of Sep2012; Non-consolidated numbers
8
24.71 12.42
4.96 4.47
3.27
49.83
Corporate Commercial Small
Micro Cons Fin
Total
306.83 49.83
15.44 18.96
3.45 0.87
0.54 319.15
Q212 Disburs.
Install. Payment Pay-off FX
Impact Write-
Offs Q3 12
Loan Movement Rp tn – Bank Only Q3 2012
Loan Disbursement by Segment in Q3Rp tn – Bank Only
9
10
Summary PL
Q3 2012 Q2 2012
Q3 2011 9Mo 2012
9Mo 2011
Y-o-Y Q-o-Q
Rp Bn Rp Bn
Rp Bn Rp Bn
Rp Bn Δ
Δ
Interest Income
10,929 10,284
9,391 31,152
27,512 16.4
6.3
Interest Expense
3,654 3,599
4,058 11,190
11,796 10.0
1.5
Net Interest Income
7,275 6,685
5,333 19,962
15,716 36.4
8.8
Net Premium Income
550
571 467
1,649 1,302
17.8 3.7
Net Interest Income Premium Income
7,825 7,256
5,800 21,611
17,018 34.9
7.8
Other Non Interest Income Other Fees and Commissions
1,773 1,837
1,591 5,314
4,659 11.4
3.5
Foreign Exchange Gains - Net
247
405 169
862 480
46.2 39.0
Gain fr sale Incr. in Val Sale of Bonds
81
134 34
81 97
138.2 na
Others
731
900 614
2,325 3,349
19.1 18.7
Total Non Interest Income
2,833 3,008
2,408 8,583
8,585 17.6
5.8
Total Operating Income
10,658 10,264
8,209 30,194
25,603 29.8
3.8
Provisions, Net
996
863 661
2,795 2,791
50.7 15.4
Personnel Expenses
1,869 1,939
1,686 5,674
4,863 10.9
3.6
GA Expenses
2,071 2,004
1,611 5,689
4,471 28.6
3.3
Loss from decr. in value of Sec Gov Bonds
15
15 30
- 111
na na
Other Expenses
578
545 341
1,663 1,063
69.5 6.1
Total Expense
4,503 4,503
3,668 13,026
10,508 22.8
0.0
Profit from Operations
5,159 4,896
3,881 14,372
12,303 32.9
5.4
Non Operating Income
33
25 32
232 111
3.1 32.0
Net Income Before Tax
5,192 4,921
3,913 14,604
12,415 32.7
5.5
Net Income After Tax
3,973 3,744
2,850 11,119
9,173 39.4
6.1
2 .8
3 .7
4 .3
3 .6
4 .9
4 .7
5 .1
5 .5
6 .0
5 .4
5 .5
5 .3
4 .9
5 .3
5 .1
5 .2
6 .0
5 .8
5 .1
5 .4
5 .2
5 .4
5 .2
5 .5
5 .8
Q 4
2 Q
4 3
Q 4
4 Q
4 5
Q 4
6 Q
4 7
Q 1
8 Q
2 8
Q 3
8 Q
4 8
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
NIM
13.0
9.5 11.0
9.3 10.1
10.7 9.1
9.8
8.7 9.0
8.7 8.7
8.2 8.1
8.4 10.8
10.8
6.3 4.8
7.3 4.5
3.8 5.3
4.9 4.0
3.8 3.8
3.7 3.4
3.2 2.8 2.7
Yield on Assets Cost of Funds
Quarterly Net Interest Margins Quarterly Yields Costs by Currency
5.8 5.1
5.3 6.6
5.8 6.8
6.5 6.6
5.8 6.4
5.2 5.2
5.0 7.2
5.1 4.9 4.7
5.3 4.8
5.4 5.0
5.6 4.0
3.53.4 2.7
3.0 2.7 2.3
2.1 1.5 0.7
0.8 0.7
0.50.3 0.6 0.6
0.7 5
Q 4
5 Q
4 6
Q 4
7 Q
1 8
Q 2
8 Q
3 8
Q 4
8 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
12.0 12.1 12.9
12.9 12.6 12.7
12.5 11.8
12.1 11.9
12.5 11.4
11.6 11.8
7.18 6.5
6.5 5.9
3.9 3.3
4.0 6.9
4.5 4.6
5.8 5.3
4.2 4.1 4.3
4.2 5
10 15
20
Avg Loan Yield Avg Bond Yield
Avg COF 3.7
IDR
FX
11
3.1
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
