97
Jan 1 2006
IPO U
from:
+13.79 +152.14
JCI +3.05
+150.37 BMRI
Shareholding Information
100.00 20,288,716,314
14,165
TO TAL
26.9 5,458,251,917
371
Total
26.9 5,454,980,417
323
2. Institutional
0.0 3,271,500
51
1. Retail IN TERN ATIO N AL
73.1 14,830,464,397
13,791
Total
0.3 66,654,500
41
7. Mutual Funds
1.4 290,472,083
148
6. Institutional
0.3 53,574,500
27
5. AssuranceBanks
0.4 71,459,500
82
4. Pension Funds Cooperatives
Foundations
0.5 101,833,814
10,568
3. Employees
1.2 246,470,000
2,924
2. Retail
69.0 14,000,000,000
1
1. Government D O MESTIC
Shares Investors
Shareholders as of 31 March 2006 D escription
200 400
600 800
1,000 1,200
1,400 1,600
1,800 2,000
2,200
11- J
ul -03
15- A
ug- 03
23- S
ep- 03
28- O
c t-03
9- Dec
-03 20-
J an-
04 27-
F eb-
04 6-
A pr
-04 13-
M ay
-04 21-
J un-
04 27-
J ul
-04 1-
S ep-
04 8-
O c
t-04 12-
Nov -04
27- Dec
-04 2-
F eb-
05 14-
M ar
-05 19-
A pr
-0 5
27- M
ay -05
1- J
ul -05
5- A
ug- 05
13- S
ep- 05
18- O
c t-05
29- Nov
-05 5-
J an-
06 13-
F eb-
06 20-
M ar
-06
BMRI JCI
1
Bank Mandiri Presentation Contents
Results Overview Page
Q 1 2006 Summary Financials 2 - 3
Q uarterly Asset Mix Interest Source 4
Q uarterly Loan Growth LD R 5
Business Unit Performance 6
Consumer Loan Portfolio D etails 7
Recap Bond Portfolio Summary Movement 8
Q uarterly Funding Mix 9
Q uarterly Savings D eposits Funding Rates 10
Q uarterly N et Interest Margins and Spread 11 - 12
Q uarterly N on-Interest O perating Income 13
Q uarterly O verhead Expenses D etail 14
Q uarterly N PL Cat. 2 Loan Movement 15 - 16
Q uarterly Asset Q uality 17
Provisioning Collateral 18
Q uarterly Analysis of N PL D owngrades 19
Core Earnings Analysis Profitability 20
Q uarterly Capital Structure 21
Additional Factors 22
Corporate Actions 23 - 26
Service Quality, N PLs SPV Regulations
Service Q uality Achievements 27 - 29
Top D ebtor D evelopments 30 - 32
SPV Regulatory Progress 33 - 37
Results Overview Page
Q 1 2006 Summary Financials 2 - 3
Q uarterly Asset Mix Interest Source 4
Q uarterly Loan Growth LD R 5
Business Unit Performance 6
Consumer Loan Portfolio D etails 7
Recap Bond Portfolio Summary Movement 8
Q uarterly Funding Mix 9
Q uarterly Savings D eposits Funding Rates 10
Q uarterly N et Interest Margins and Spread 11 - 12
Q uarterly N on-Interest O perating Income 13
Q uarterly O verhead Expenses D etail 14
Q uarterly N PL Cat. 2 Loan Movement 15 - 16
Q uarterly Asset Q uality 17
Provisioning Collateral 18
Q uarterly Analysis of N PL D owngrades 19
Core Earnings Analysis Profitability 20
Q uarterly Capital Structure 21
Additional Factors 22
Corporate Actions 23 - 26
Service Quality, N PLs SPV Regulations
Service Q uality Achievements 27 - 29
Top D ebtor D evelopments 30 - 32
SPV Regulatory Progress 33 - 37
Financial Summary Page
Summary Balance Sheets PL 38 -40
Recap Bond Portfolio D etail 41
Bank Mandiri Credit Ratings 42
Reconciliation to IFRS FY 2005 43
Bank M andiri Strategic Roadmap 44 – 47
Loan M ovement Portfolio D etail
BI Regulation PBI no. 72PBI2005 48
Interest, Provisioning Collateral 49
D etailed N PL Analysis W rite-O ffs 50 - 54
Performing Loan Analysis 55 - 58
Restructured IBRA Loan Analysis 59 - 61
Loan Portfolio D etail Analysis 62 - 66
Additional Information
Consumer Banking D etails 67 - 69
Summary of Principal Subsidiaries 70
Bank Syariah Mandiri D etails 71 - 72
Mandiri Sekuritas D etails 73
Bank M andiri at a Glance
N ew D irectors, Staffing N etwork 74 - 79
Q 4 2005 Peer Comparisons 80 - 83
Q1 2 0 0 6 Published Financial Statements 84 - 93
Financial Summary Page
Summary Balance Sheets PL 38 -40
Recap Bond Portfolio D etail 41
Bank Mandiri Credit Ratings 42
Reconciliation to IFRS FY 2005 43
Bank M andiri Strategic Roadmap 44 – 47
Loan M ovement Portfolio D etail
BI Regulation PBI no. 72PBI2005 48
Interest, Provisioning Collateral 49
D etailed N PL Analysis W rite-O ffs 50 - 54
Performing Loan Analysis 55 - 58
Restructured IBRA Loan Analysis 59 - 61
Loan Portfolio D etail Analysis 62 - 66
Additional Information
Consumer Banking D etails 67 - 69
Summary of Principal Subsidiaries 70
Bank Syariah Mandiri D etails 71 - 72
Mandiri Sekuritas D etails 73
Bank M andiri at a Glance
N ew D irectors, Staffing N etwork 74 - 79
Q 4 2005 Peer Comparisons 80 - 83
Q1 2 0 0 6 Published Financial Statements 84 - 93
2 25.2
26.6 23.7
T otal CAR
2
1,150 30
23.2 18.0
44.4 25.3
51.8 4.0
56.6 2.5
0.5 23,215
206,289 263,383
92,056 106,853
FY 2005
6.4 2.5
5.8 15.8
2.2 1.1
5.6 YoY Change
1,178 25.14
24.6 19.5
46.9 26.2
53.0 3.9
48.2 8.7
1.2 23,889
198,083 254,885
92,225 105,075
Q 1 2006
25,352
T otal Equity
58.3
LDR
25.8
T otal CAR
incl. Market Risk
20.5
T ier 1 CAR
2
51.1
Provisions N PLs
43.7
Cost to Income
1
8.3
RoE – after tax p.a.
1.3
RoA - before tax p.a.
1,259
Book ValueShare Rp
26
EPS Rp
17.8
Gross N PL T otal Loans
4.5
N IM quarterly
171,016
Customer Deposits
249,373
T otal Assets
93,211
Government Bonds
99,650
Gross Loans
Q 1 2005
IDR billion
Key Q uarterly Balance Sheet Items Financial Ratios
1 G A and employee expenses N et Interest Income + Other Operating Income, excluding bond gains 2 Bank only – N ot including M arket Risk
3
Summary PL Information – Q 1 2005 vs. Q 1 2006
302.3 0.6
354 0.1
88 Gain from Increase in Value Sale of
Bonds
146.2 0.0
6 0.0
13 N on O perating Income
19.4 0.2
133 0.3
165 O ther O perating Expenses
1.7 1.2
787 1.3
801 N et Income Before T ax
6.2 1.0
636 1.1
678 G A Expenses
15.1 1.1
695 1.0
604 Personnel Expenses
14.4 1.4
873 1.3
763 Provisions, N et
1.7 0.8
510 0.9
519 N et Income After T ax
4.1 1.2
781 1.3
814 Profit from O perations
2.1 0.9
554 0.9
566 O ther O perating Income
6.8 3.4
2,210 3.9
2,370 N et Interest Income
78.5 6.7
