Q3 2013 September English
CON SOLI D ATED FI N AN CI AL STATEM EN TS
PT Bank M andiri (Persero) Tbk. and Subsidiaries
STATEMENTS OF FINANCIAL POSITION
As at 30 September 2013 and 31 December 2012
No.
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
17.
18.
19.
20.
21.
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
17.
18.
19.
20.
21.
22.
23.
24.
25.
26.
STATEMENTS OF COMPREHENSIVE INCOME
For the Periods Ended 30 September 2013 and 2012
(In Millions of Rupiah)
BANK
DESCRIPTION
30 September 2013
ASSETS
Cash
Placements with Bank Indonesia
Placements with other banks
Spot and derivative receivables
Securities
a. Designated at fair value through profit/loss
b. Available for sale
c. Held to maturity ***)
d. Loans and receivables
Securities sold with agreement to repurchase (Repo)
Securities purchased with agreement to resell (Reverse Repo)
Acceptances receivables
Loans
a. Designated at fair value through profit/loss
b. Available for sale
c. Held to maturity
d. Loans and receivables
Consumer finance receivables
Sharia financing
Investments in shares
Policy holder's investment in Unit Link Contract
Allowance for impairment on financial assets -/a. Securities
b. Loans
c. Others
Intangible assets
Accumulated amortisation for intangible assets -/Premises and equipment
Accumulated depreciation for premises and equipment -/Non earning assets
a. Abandoned properties
b. Repossessed assets
c. Suspense account
d. Inter office assets
i. Operational activities conducted in Indonesia
ii. Operational activities conducted outside Indonesia
Allowance for impairment on non financial assets -/Lease financing
Deferred tax assets
Other assets
TOTAL ASSETS
LIABILITIES AND EQUITY
LIABILITIES
Demand deposits **)
Savings deposits **)
Time deposits **)
Investment fund - revenue sharing
Fund from Bank Indonesia
Fund from other banks **)
Spot and derivative liabilities
Liabilities sold with repo agreements to repurchase (Repo)
Acceptances liabilities
Securities issued
Fund borrowings
a. Loans capital
b. Others fund borrowings
Margin deposits received
Inter office liabilities
a. Operational activities conducted in Indonesia
b. Operational activities conducted outside Indonesia
Deferred tax liabilities
Liability to Unit Link Holders
Other liabilities
Investment fund - profit sharing
TOTAL LIABILITIES
EQUITY
Share capital
a. Authorised capital
b. Unpaid-in capital -/c. Treasury stock -/Additional Paid-in Capital
a. Agio
b. Disagio -/c. Donated capital
d. Funds for paid-up capital
e. Others
Other comprehensive income (losses)
a. Adjustment arising from translation of financial statement
b. Gain (Losses) from changes of financial assets on available for sale
c. Effective cash flow hedges
d. Premises and equipment revaluation increment
e. Other comprehensive income from entity associations
f. Gain (Losses) from actuarial benefit program
g. Income tax related to other comprehensive income
h. Others
Difference arising from quasi reorganisation
Difference arising from restructuring value of transaction of entities under common control
Other equity
Reserve
a. General reserve
b. Appropriated reserve
Retained Earning
a. Previous years *)
b. Current year
TOTAL EQUITY ATTRIBUTABLE TO OWNER
Non controlling interest
TOTAL EQUITY
TOTAL LIABILITIES AND EQUITY
CONSOLIDATED
31 December 2012
(Audited)
30 September 2013
31 December 2012
(Audited)
13,119,623
61,406,676
24,809,092
551,100
14,131,136
69,830,072
19,262,173
93,280
14,352,087
69,027,421
26,322,381
551,625
15,286,190
75,286,859
20,960,551
93,291
3,118,403
65,249,609
24,638,678
12,662
2,816,733
1,100,254
11,590,896
1,785,047
59,104,726
24,182,676
10,817
14,322,362
7,957,512
5,366,037
65,610,472
26,419,304
12,662
2,816,733
1,584,574
11,590,896
4,130,708
59,428,193
26,073,041
10,817
14,515,235
7,957,512
395,830,648
3,250,926
-
339,973,690
3,218,075
-
445,046,607
5,102,600
7,716
11,619,316
384,581,706
3,919,146
7,350
11,034,239
(147,061)
(14,571,991)
(1,784,329)
1,924,849
(1,253,940)
10,875,431
(4,655,679)
(124,870)
(12,740,561)
(1,284,357)
1,829,609
(1,173,596)
10,410,946
(4,226,501)
(288,394)
(16,026,497)
(1,866,873)
2,222,093
(1,310,396)
12,579,652
(5,530,578)
(268,841)
(14,011,350)
(1,361,841)
2,074,593
(1,213,891)
11,940,765
(4,938,075)
180,048
19,815
1,069,076
180,046
19,815
779,222
180,282
33,837
1,069,076
(283,905)
3,777,111
12,070,531
563,105,056
(321,636)
616,592
2,967,640
20,327,353
700,082,582
(296,967)
329,447
3,966,613
15,120,078
635,618,708
107,313,005
196,273,476
156,354,254
185
29,973,434
937,597
2,556,778
11,590,896
564
107,829,706
182,784,459
144,844,747
755
14,118,879
121,232
7,957,512
564
113,021,975
217,723,481
183,475,319
185
30,131,032
937,597
2,556,778
11,590,896
1,668,424
113,911,014
202,216,209
166,786,895
755
14,320,656
121,232
7,957,512
1,250,364
5,146,411
10,676,386
1,836,621
5,142,950
8,701,422
1,872,976
5,141,411
13,769,189
1,836,621
5,137,950
11,608,077
1,872,976
9,321,335
(9,243,358)
16,327,996
539,065,580
4,226,590
(4,059,287)
18,911,364
492,453,869
9,321,335
(9,243,358)
11,619,316
22,790,131
616,340,332
4,226,590
(4,059,287)
11,034,239
22,700,661
559,085,843
16,000,000
(4,333,333)
-
16,000,000
(4,333,333)
-
16,000,000
(4,333,333)
-
16,000,000
(4,333,333)
-
17,202,376
-
17,195,760
-
17,202,376
-
17,195,760
-
72,694
(528,757)
101,158
-
138,023
(1,672,568)
329,920
-
47,677
(506,069)
96,620
-
2,333,333
2,050,894
2,333,333
547,000
2,333,333
2,050,894
2,333,333
547,000
33,108,218
12,062,398
77,238,093
77,238,093
616,303,673
24,961,431
14,301,901
70,651,187
70,651,187
563,105,056
37,041,727
12,803,391
81,893,763
1,848,487
83,742,250
700,082,582
27,695,065
15,504,067
74,580,120
1,952,745
76,532,865
635,618,708
DESCRIPTION
30 September 2013
OPERATING INCOME AND EXPENSES
A. Interest Income and Sharia, Interest Expenses and Sharia, and
Premium Income and Claim Expenses
1. Interest Income and Sharia Income
a. Rupiah
b. Foreign currencies
2. Interest Expense and Sharia Expenses
a. Rupiah
b. Foreign currencies
Net Interest Income and Sharia Income (Expenses)
3. Premium Income
4. Claim Expense
Net Premium Income (Claim Expenses)
Net Interest Income (Expenses), Sharia, and Net Premium Income (Claim Expenses)
B. Other Operating Income and Expenses
1. Other Operating Income
a. Increase in fair value of financial assets (mark to market)
i. Securities
ii. Loans
iii. Spot and derivative
iv. Other financial assets
b. Decrease in fair value of financial liabilities (mark to market)
c. Gain from sale of financial assets
i. Securities
ii. Loans
iii. Other financial assets
d. Gain from spot and derivative transaction (realised)
e. Gain from investment in shares with equity method
f. Dividend
g. Comissions/provisions/fees and administrative
h. Recovery on allowance for impairment
i. Other income
2. Other Operating Expenses
a. Decrease in fair value of financial assets (mark to market)
i. Securities
ii. Loans
iii. Spot and derivative
iv. Other financial assets
b. Increase in fair value of financial liabilities (mark to market)
c. Losses from sale of financial assets
i. Securities
ii. Loans
iii. Other financial assets
d. Losses from spot and derivative transaction (realised)
e. Impairment for financial assets
i. Securities
ii. Loans
iii. Sharia financing
iv. Other financial assets
f. Losses related to operational risk
g. Losses from investment in shares under equity method
h. Comissions/provisions/fees and administrative
i. Impairment on non financial assets
j. Salaries and employee benefits
k. Promotion expenses
l. Other expenses
Other Operating Income (Expenses)
PROFIT (LOSS) FROM OPERATIONS
NON OPERATING INCOME AND EXPENSES
1. Gain (Losses) from sale of premises and equipment
2. Gain (Losses) from foreign currencies translation
3. Other non operating income (expenses)
PROFIT (LOSS) FROM NON OPERATING
PROFIT (LOSS) CURRENT YEAR BEFORE TAX
Income tax expenses
a. Estimated current tax
b. Deffered tax income (expenses)
180,280
33,837
779,222
(308,574)
2,770,294
14,690,434
616,303,673
163,610
(1,681,012)
331,609
-
No.
BANK
I.
RELATED PARTIES
1. Placements with other banks
a. Rupiah
193
b. Foreign currencies
1,281,281
2. Spot and derivative receivables
a. Rupiah
b. Foreign currencies
3. Securities
a. Rupiah
149,730
b. Foreign currencies
4. Securities sold with agreement to repurchase (Repo)
a. Rupiah
b. Foreign currencies
5. Securities purchased with agreement to resell (Reverse Repo)
a. Rupiah
b. Foreign currencies
6. Acceptances receivables
7. Other receivable - trade transaction
a. Rupiah
b. Foreign currencies
8. Loans
a. Micro, small and medium loans (UMKM)
i. Rupiah
ii. Foreign currencies
b. Non UMKM
3,970,611
i. Rupiah
3,879,731
ii. Foreign currencies
90,880
c. Restructured loans
i. Rupiah
ii. Foreign currencies
d. Property loans
12,043
9. Investments in shares
2,745,740
10. Temporary investment
11. Commitments and contingencies
a. Rupiah
353,620
b. Foreign currencies
85,212
12. Repossessed assets
II. THIRD PARTIES
1. Placements with other banks
12,455,314
a. Rupiah
33,583,218
b. Foreign currencies
2. Spot and derivative receivables
550,989
a. Rupiah
111
b. Foreign currencies
3. Securities
82,005,204
a. Rupiah
10,764,889
b. Foreign currencies
4. Securities sold with agreement to repurchase (Repo)
2,816,733
a. Rupiah
b. Foreign currencies
5. Securities purchased with agreement to resell (Reverse Repo)
1,100,254
a. Rupiah
b. Foreign currencies
11,580,201
6. Acceptances receivables
7. Other receivable - trade transaction
3,072,688
a. Rupiah
3,833,765
b. Foreign currencies
8. Loans
55,167,281
a. Micro, small and medium loans (UMKM)
54,828,220
i. Rupiah
339,061
ii. Foreign currencies
314,723,994
b. Non UMKM
258,906,528
i. Rupiah
55,817,466
ii. Foreign currencies
7,768,680
c. Restructured loans
3,576,523
i. Rupiah
4,192,157
ii. Foreign currencies
26,386,090
d. Property loans
1,955
9. Investments in shares
10. Temporary investment
11. Administrative account transaction
96,621,179
a. Rupiah
b. Foreign currencies
56,386,715
12. Repossessed assets
III. OTHER INFORMATIONS
1. Value of bank's assets pledge as collateral :
a. To Bank Indonesia
b. To others
2. Total allowance for impairment on financial assets to earning assets
3. Total required allowance for possible losses on assets
4. Percentage of UMKM loans to total loans
5. Percentage of UMK loans to total loans
6. Percentage of UMKM debtors to total debtors
7. Percentage of UMK debtors to total debtors
8. Others
a. Chanelling of loans
b. Mudharabah Muqayyadah financing
c. write off on earning assets
d. Recovery of write off on earning assets
e. write off on earning assets with elimination of right to collect
Placements with other banks
Spot and derivative receivables
Securities
Securities sold with agreement to repurchase (Repo)
Securities purchased with agreement to resell (Reverse Repo)
Acceptances receivables
Other receivable - trade transaction
Loans
Investments in shares
Temporary invesment
Administrative account transaction
8,708,826
985
1,241,978
-
302
733,861
-
1,334,208
-
7,452
733,861
-
22,323
143,325
429,507
5,262,186
47,184
2,475,270
15,721,979
82,089
113,515
279,222
4,547,625
276,259
2,006,663
13,446,227
35,411
171,605
615
6,091,485
47,883
2,909,598
20,205,945
74,694
127,663
1
5,278,039
125,910
2,361,206
16,591,082
-
-
212,755
-
-
-
-
-
-
(2,240,295)
(1,237,967)
(1,969,156)
(1,115,981)
PROFIT (LOSS) AFTER INCOME TAX - NET
12,062,398
10,363,976
13,270,585
11,519,339
OTHER COMPREHENSIVE INCOME
a. Adjustment arising from translation of financial statement
b. Gain (Losses) from changes of financial assets on available for sale
c. Effective cash flow hedges
d. Premises and equipment revaluation increment
e. Other comprehensive income from entity associations
f. Gain (Losses) from actuarial benefit program
g. Income tax related to other comprehensive income
h. Others
Other comprehensive income current year after income tax - net
90,916
(1,152,255)
230,451
(830,888)
(11,350)
261,840
(52,353)
198,137
90,346
(1,166,499)
233,300
(842,853)
Loss
Total
Current
10,562,113
12,427,732
11,819,947
12,062,398
12,062,398
10,363,976
10,363,976
12,803,391
467,194
13,270,585
11,119,408
399,931
11,519,339
11,231,510
11,231,510
10,562,113
10,562,113
11,960,538
467,194
12,427,732
11,420,016
399,931
11,819,947
TRANSFER INCOME (LOSSES) TO HEAD OFFICE
-
-
-
-
DIVIDEND
EARNING PER SHARE
-
-
548.72
476.55
STATEMENTS OF CALCULATION OF CAPITAL ADEQUACY RATIO
COMMERCIAL BANK
No.
Special
Mention
Sub
Standard
Doubtful
Loss
I.
Total
-
-
-
-
193
1,281,281
547,431
-
-
-
-
547,431
-
-
-
-
-
-
-
-
-
-
-
-
-
-
149,730
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
1,066
1,066
640
-
12
12
-
474,227
-
79,451
3
79,448
3
27,469
-
4,051,140
3,880,812
170,328
12,686
3,247,436
-
539
539
3,738,069
3,625,529
112,540
6,327
2,883,269
-
-
-
-
2,278
-
539
539
3,738,069
3,625,529
112,540
6,327
2,885,547
-
-
-
-
-
353,620
85,212
-
97,872
71,177
-
-
-
-
-
97,872
71,177
-
-
-
-
67,406
12,455,314
33,650,624
21,143,330
27,988,875
-
-
-
53,416
21,143,330
28,042,291
-
-
-
-
550,989
111
61,600
357
-
-
-
-
61,600
357
-
-
-
86,720
12,809
82,091,924
10,777,698
81,222,965
3,031,441
-
-
-
86,507
10,725
81,309,472
3,042,166
-
-
-
-
2,816,733
-
650,340
-
-
-
-
-
650,340
-
10,695
-
-
-
1,100,254
11,590,896
6,791,327
7,233,053
3,677
-
919
-
6,791,327
7,237,649
59,718
447,459
-
-
145,944
806,147
3,278,350
5,087,371
2,024,166
2,211,583
42,380
354,877
-
664
145,944
664,845
2,212,490
3,231,969
372,926
372,926
354,597
354,537
60
191,498
191,498
92,160
-
545,864
545,864
283,162
270,551
12,611
55,051
55,051
58,799
1,535
1,440,260
1,440,260
3,753,360
2,447,017
1,306,343
1,215,599
877,930
337,669
289,217
-
61,626,230
61,270,133
356,097
330,153,278
270,888,856
59,264,422
12,708,861
6,233,085
6,475,776
30,028,643
1,955
1,535
45,677,354
45,357,058
320,296
249,817,498
208,115,865
41,701,633
8,324,328
4,610,378
3,713,950
20,263,839
1,955
-
3,271,510
3,246,268
25,242
10,497,976
8,191,648
2,306,328
4,654,832
2,475,900
2,178,932
2,584,109
-
262,016
262,016
1,229,554
949,882
279,672
744,185
464,563
279,622
78,487
-
362,911
362,911
225,500
217,485
8,015
35,761
35,761
63,516
415
1,003,559
1,003,559
3,067,517
2,094,553
972,964
305,045
305,045
292,011
-
50,577,350
50,231,812
345,538
264,838,045
219,569,433
45,268,612
14,064,151
7,891,647
6,172,504
23,281,962
1,955
415
414,088
155,422
-
2,204
-
3,108
-
55,580
3,981
19,815
97,096,159
56,546,118
19,815
44,180,817
37,080,602
-
128,922
50,276
-
1,842
-
1,821
-
19,386
14,671
120,030
44,332,788
37,145,549
120,030
16,503,381
15,516,676
15.57%
6.47%
46.48%
43.28%
14,359,725
12,931,612
15.85%
6.45%
43.03%
40.08%
11,802,698
1,826,454
2,230,743
-
13,000,917
1,970,676
2,856,656
-
(In Millions of Rupiah)
30 September 2013
Required Allowance for
Allowance for Impairment
Possible Losses on Earning Assets
Individual
Collective
General
Spesific
247,417
5,445
116,372
1,377
115,802
69,065
6,072,315
50
696,431
67,406
99,529
535
977,450
7,478,563
264,582
768
75,030
30 September 2012
Required Allowance for
Allowance for Impairment
Possible Losses on Earning Assets
Individual
Collective
General
Spesific
53,416
108,870
2,269
1,099,868
8,681,503
2,513
207
119,737
(9,948)
362,909
(52,353)
300,608
11,231,510
-
26,555
7,017
46,406
21,855
5,390,504
17,785
10,590,805
(1,474,700)
(1,113,882)
4,099,899
4,082,863
17,036
11,038,165
8,910,223
2,127,942
3,478,033
1,532,083
1,945,950
3,202,377
-
67,406
140,044
177,029
1,388,667
9,181,487
55,643
768
137,231
8,039,536
(1,733,604)
(1,237,267)
As at 30 September 2013 and 2012
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
9,622,758
4,236
227,881
232,117
14,604,476
* ) Statement of Assets' Quality as at 30 September 2013 are presented to comply with PBI No. 14/15/PBI/2012 dated 24 October 2012 regarding Assets Quality for Commercial Bank.
DESCRIPTION
31,151,567
29,207,376
1,944,191
10,545,661
10,201,029
344,632
20,605,906
4,458,055
2,809,346
1,648,709
22,254,615
4,461
172,082
176,543
16,748,847
ALLOWANCES FOR IMPAIRMENT
No.
35,797,867
33,620,846
2,177,021
11,631,669
11,199,986
431,683
24,166,198
5,029,988
3,008,742
2,021,246
26,187,444
849
166,567
167,416
12,952,558
30 September 2012
Doubtful
27,038,080
25,211,064
1,827,016
8,846,247
8,513,513
332,734
18,191,833
18,191,833
2,992
46,255
49,247
15,033,269
BANK
Sub
Standard
30,879,963
28,821,101
2,058,862
9,796,720
9,367,856
428,864
21,083,243
21,083,243
(In Millions of Rupiah) As at 30 September 2013 and 2012
30 September 2013 *)
Special
Mention
30 September 2012
7,946
2,973,643
(60,585)
343,370
5,444,734
689,359
7,192,615
(7,882,256)
14,372,359
As at 30 September 2013 and 2012
Current
30 September 2013
8,075
3,668,271
356,369
20,174
406,645
6,772,978
619,621
8,141,057
(9,615,140)
16,572,304
STATEMENTS OF ASSETS’ QUALITY AND OTHER INFORMATION
DESCRIPTION
30 September 2012
2,847,585
(60,585)
343,370
1,375
4,366,347
584,821
5,363,314
(5,406,691)
12,785,142
TOTAL OTHER COMPREHENSIVE INCOME CURRENT YEAR
Income atributtable to :
Parent Company
Non controlling interest
TOTAL INCOME CURRENT YEAR
Total comprehensive income atributtable to :
Parent Company
Non controlling interest
TOTAL COMPREHENSIVE INCOME CURRENT YEAR
48,790
6,242
24,596
16,299
4,315,152
8,695
222,992
569
75,791
6,503
72,331
42,357
4,327,456
50
545,481
53,416
97,232
644
830,984
7,198,802
2,278
207
44,203
Notes :
1) Presentation of the above Published Financial Statements as at and for nine months ended 30 September 2013 and 2012 are derived from the Consolidated Financial Statements of PT Bank Mandiri (Persero) Tbk. and Subsidiaries
(unaudited), and Consolidated Financial Statements as at and for the years ended 31 December 2012 are derived from the Consolidated Financial Statements which were audited by Public Accounting Firm KAP Tanudiredja,
Wibisana & Rekan - a member firm of PwC Global Network (partner in charge Lucy Luciana Suhenda, S.E., Ak., CPA) whose report dated 25 February 2013 expressed an Unqualified Opinion with an explanatory paragraph
regarding adoption of various new and revised Financial Accounting Standards in Indonesia effective from 1 January 2012 and adoption of Bapepam and LK regulation No. VIII.G.7, Decision of Chairman of Bapepam and LK
No. Kep-347/BL/2012 dated 25 June 2012, regarding Financial Statements Presentation and Disclosure for Issuers or Public Companies.
2) The above Published Financial Statements are presented to comply with Bank Indonesia Regulation No. 3/22/PBI/2001 dated 13 December 2001 which was amended by Bank Indonesia Regulation No. 14/14/PBI/2012 dated
18 October 2012 regarding Transparency and Published Financial Statement of the Bank and Circular Letter of Bank Indonesia No. 3/30/DPNP dated 14 December 2001 regarding Quarterly Published Financial Statements
and Monthly Financial Statements of Commercial Banks and Specific Reports to Bank Indonesia, which was amended by Circular Letter of Bank Indonesia No. 13/30/DPNP dated 16 December 2011, and also in accordance
with regulation of Capital Market and Financial Institution Supervisory Agency (Bapepam and LK) No. X.K.2, Decision of Chairman of Bapepam and LK No. Kep-346/BL/2011 dated 5 July 2011 regarding Submission of Periodic
Financial Statement for Issuers or Public Companies. Financial Statements Information and Statement of Cash Flows included in the published financial statements have been prepared in accordance with Bapepam and LK
regulation No. VIII.G.7, Decision of Chairman of Bapepam and LK No. Kep-347/BL/2012 dated 25 June 2012. The Calculation of Consolidated Capital Adequacy Ratios have been complied with Bank Indonesia Regulation
No. 8/6/PBI/2006 dated 30 January 2006 regarding The Implementation of Consolidated Risk Management for Banks Performing Control on Subsidiary Companies.
3) For comparative purposes, certain accounts in the Consolidated Financial Statements as at and for nine months ended 30 September 2012 have been reclassified to conform with the presentation of Consolidated Financial
Statements as at and for nine months ended 30 September 2013.
4) Related Parties in the Assets' Quality and Other Information are presented in accordance with Bank Indonesia Regulation No. 7/3/PBI/2005 dated 20 January 2005 which was amended by Bank Indonesia Regulation
No. 8/13/PBI/2006 dated 5 October 2006 regarding The Legal Lending Limit For Commercial Banks.
5) Exchange rate of 1 US Dollar as at 30 September 2013, 30 September 2012 and 31 December 2012 were Rp11,580.00; Rp9,570.00 and Rp9,637.50 respectively.
(In Millions of Rupiah)
COMPONENTS OF CAPITAL
COMPONENTS
A. Core Capital
1. Paid-in Capital
2. Disclosed Reserves
2.1. Additional
a. Agio
b. Donated capital
c. General reserves
d. Appropriated reserves
e. Previous years profit (100%)
f. Current year profit (50%)
g. Differences arising from translation of financial statement
h. Funds for Paid-up Capital
i. Warrant issued (50%)
j. Stock option issued for stock-based
compensation program (50%)
2.2. Deduction
a. Disagio
b. Previous years loss (100%)
c. Current year loss (100%)
d. Differences arising from translation of financial
statement
e. Other comprehensive income: Losses from
decrease in fair value of investment in shares
classified Available for sale
f. Difference in allowance for possible losses and
allowance for impairment on earning assets
g. Allowance for impairment on non earning
assets which shall be calculated
h. Difference in adjustment amounts from fair value
of financial assets in trading book
3. Innovative Capital
3.1. Subordinated bonds (non cummulative perpetual)
3.2. Subordinated loans (non cummulative perpetual)
3.3. Other innovative capital Instrument
4. Core Capital Deduction
4.1. Goodwill
4.2. Other intangible assets
4.3. Investments in shares (50%)
4.4. Shortage of capital on insurance subsidiaries (50%)
5. Non Controlling Interest
B. Supplemental Capital
1. Upper Tier 2
1.1. Preference stock (cummulative perpetual)
1.2. Subordinated bonds (cummulative perpetual)
1.3. Subordinated loans (cummulative perpetual)
1.4. Mandatory convertible bond
1.5. Innovative capital not included as core capital
1.6. Other supplemental capital (upper tier 2)
1.7. Fixed assets revaluation
1.8. General provision on earning assets (max. 1.25% RWA)
1.9. Other comprehensive income: Gain from increase in fair
value of investment in shares classified as
Available for sale (45%)
2. Lower Tier 2 maximum 50% of Core Capital
2.1. Redeemable preference shares
2.2. Subordinated loans and bonds
2.3. Other supplemental capital instrument (lower tier 2)
3. Supplemental Capital Deduction
3.1. Investments in shares (50%)
3.2. Shortage of capital on insurance subsidiaries (50%)
C. Core Capital and Supplemental Capital Deduction
Securitisation exposure
D. Additional Supplemental Capital Fulfilling Requirement (Tier 3)
E. Additional Supplemental Capital Allocated To
Anticipate Market Risk
II.
III.
STATEMENTS OF COMMITMENTS AND CONTINGENCIES
As at 30 September 2013 and 31 December 2012
(In Millions of Rupiah)
BANK
CONSOLIDATED
30 September 2013 31 December 2012
(Audited)
30 September 2013 31 December 2012
(Audited)
CONSOLIDATED
10,714
3,039,020
279,889
20,174
406,645
5,373,730
530,343
6,061,464
(6,099,221)
14,984,022
* ) Accumulated losses of Rp162,874,901 million has been eliminated against additional paid-in capital/agio through quasi-reorganisation on 30 April 2003.
**) Consolidated balance includes temporary syirkah funds from a Subsidiary.
***) Including Securities owned by Subsidiary which classsified "At Cost", accordance with SFAS 110 "Accounting for Sukuk", which was effective since 1 January 2012.
No.
(In Millions of Rupiah)
TOTAL CORE CAPITAL AND SUPPLEMENTAL CAPITAL (A+B-C)
TOTAL CORE CAPITAL,SUPPLEMENTAL CAPITAL, AND
ADDITIONAL SUPPLEMENTAL CAPITAL ALLOCATED TO
ANTICIPATE MARKET RISK (A+B-C+E)
IV. CREDIT RISK-WEIGHTED ASSETS
V. OPERATIONAL RISK-WEIGHTED ASSETS
VI. MARKET RISK-WEIGHTED ASSETS
VII. REQUIRED MINIMUM CAPITAL ADEQUACY RATIO FOR
CREDIT RISK AND OPERATIONAL RISK {II:(IV+V)}
VIII. REQUIRED MINIMUM CAPITAL ADEQUACY RATIO FOR
CREDIT RISK, OPERATIONAL RISK AND MARKET
RISK {III:(IV+V+VI)}
30 September 2013
30 September 2012
BANK
BANK
CONSOLIDATED
CONSOLIDATED
63,600,748
11,666,667
53,531,084
53,813,314
17,202,376
2,333,333
2,050,894
25,413,268
6,649,833
163,610
-
69,067,676
11,666,667
57,775,366
58,070,658
17,202,376
2,333,333
2,050,894
29,325,353
7,020,679
138,023
-
53,133,234
11,666,667
42,910,290
43,311,846
17,195,760
2,333,333
547,000
17,424,892
5,738,929
71,932
-
57,335,928
11,666,667
45,975,286
46,398,904
17,195,760
2,333,333
547,000
20,158,271
6,117,695
46,845
-
(282,230)
-
(295,292)
-
(401,556)
-
(423,618)
-
-
-
-
-
-
-
-
-
-
-
-
-
(282,230)
(295,292)
(401,556)
(423,618)
(1,597,003)
(1,597,003)
-
(705,475)
(117,741)
(587,734)
331,118
(1,443,723)
(1,443,723)
-
(613,803)
(105,666)
(508,137)
307,778
7,526,427
6,501,396
1,371,121
5,130,275
9,072,941
7,038,641
1,371,121
5,667,520
7,849,828
5,489,287
1,371,121
4,118,166
9,246,465
5,950,338
1,371,121
4,579,217
2,622,034
2,622,034
(1,597,003)
(1,597,003)
-
2,622,034
2,622,034
(587,734)
(587,734)
-
3,804,264
3,804,264
(1,443,723)
(1,443,723)
-
3,804,264
3,804,264
(508,137)
(508,137)
-
-
-
-
-
71,127,175
78,140,617
60,983,062
66,582,393
71,127,175
410,422,011
57,671,278
1,558,307
78,140,617
453,401,615
67,581,862
1,426,982
60,983,062
329,453,269
48,384,624
1,345,933
66,582,393
366,337,401
55,735,767
1,599,965
15.20%
15.00%
16.14%
15.78%
15.14%
14.96%
16.08%
15.72%
SHAREHOLDER
No.
DESCRIPTION
I.
COMMITMENT RECEIVABLES
1. Unused fund borrowings facilities
a. Rupiah
b. Foreign currencies
2. Outstanding purchase position on spot and derivative
3. Others
II.
COMMITMENT PAYABLES
1. Unused loan facilities granted to customer
a. BUMN
i. Committed
- Rupiah
- Foreign currencies
ii. Uncommitted
- Rupiah
- Foreign currencies
b. Others
i. Committed
ii. Uncommitted
2. Unused loan facilities granted to other banks
a. Committed
i. Rupiah
ii. Foreign currencies
b. Uncommitted
i. Rupiah
ii. Foreign currencies
3. Outstanding irrevocable letters of credit
a. Foreign L/C
b. Local L/C
4. Outstanding sales position on spot and derivative
5. Others
III. CONTINGENT RECEIVABLES
1. Guarantees received
a. Rupiah
b. Foreign currencies
2. Unrecognized interest income
a. Interest loan
b. Others interest
3. Others
IV. CONTINGENT PAYABLES
1. Guarantees issued
a. Rupiah
b. Foreign currencies
2. Others
572,729
-
93,280
-
572,729
-
99,522
-
5,435,550
357,707
10,555,252
429,736
5,435,550
357,707
10,555,252
429,736
12,580,750
416,772
9,889,235
455,415
12,580,750
416,772
9,889,235
455,415
20,315,789
44,711,451
18,317,538
41,783,658
20,319,728
45,607,966
18,326,668
43,538,037
77,092
-
68,373
-
77,092
-
68,373
-
130,598
-
134,788
-
130,598
-
134,788
-
9,111,006
2,569,377
998,516
-
9,513,676
2,378,427
121,232
-
9,177,420
2,608,688
998,516
-
9,575,542
2,389,196
127,464
-
388,917
17,286,908
251,694
9,916,800
391,320
17,289,993
254,097
9,919,327
6,611,217
51,949
32,729
5,669,484
51,949
32,729
6,617,302
473,333
32,729
5,674,413
234,732
32,729
20,820,175
37,554,842
208,666
22,329,910
25,951,138
247,777
20,965,567
37,707,599
208,666
22,541,654
26,057,908
247,777
STATEMENTS OF CASH FLOWS
For the Periods Ended 30 September 2013 and 2012
(In Millions of Rupiah)
CONSOLIDATED
DESCRIPTION
30 September 2013 30 September 2012*)
CASH FLOWS FROM OPERATING ACTIVITIES
Receipts from interest income and sharia income
Receipts from fees, commissions and premium - net
Payments of interest expense and sharia expenses
Receipts from the sale of Government Bonds - Fair value through profit or loss
Acquisition of Government Bonds - Fair value through profit or loss
Foreign exchange gains - net
Operating income - others
Operating expenses - others
Salaries and employee benefits
General and administrative expenses
Non operating income - others
Cash Flow From Operating Activities Before Changes in Operating Assets and Liabilities
Decrease/(increase) in operating assets:
Placements with Bank Indonesia and other banks
Marketable securities - Fair value through profit or loss
Other receivables - trade transactions
Loans
Securities purchased under resale agreements
Consumer financing receivable
Net investment in lease financing
Prepaid taxes
Prepaid expense
Other assets
Proceeds from collection of financial assets already written - off
Increase/(decrease) in operating liabilities and temporary syirkah funds:
Conventional Banking and Sharia - Non Syirkah Temporer Fund
Demand deposits
Saving deposits
Time deposits
Inter-bank call money
Obligation due immediately
Taxes payable
Payment of corporate income tax
Other liabilities
Sharia Banking - Temporary Syirkah Funds
Restricted investment demand deposit and mudharabah musytarakah demand deposit
Restricted investment saving deposit and unrestricted investment mudharabah saving deposit
Unrestricted investment mudharabah time deposit
Net cash provided by operating activities
CASH FLOWS FROM INVESTING ACTIVITIES
Decrease/(increase) in marketable securities - Available for sale and Held to maturity
Decrease in Government Bonds - Available for sale and Held to maturity
Increase of investment in Subsidiaries
Proceeds from sale of fixed assets
Acquisition of fixed assets
Acquisition of intangible assets
Increase in Non Controlling Interests
Net cash (used in)/provided by investing activities
CASH FLOWS FROM FINANCING ACTIVITIES
(Decrease)/increase in marketable securities issued
(Decrease)/increase in fund borrowings
Payment of subordinated loans
Decrease in securities sold under repurchase agreements
Capital contribution
Payments of dividends, cooperative development fund program and community
development fund program
Net cash (used in)/provided by financing activities
NET INCREASE IN CASH AND CASH EQUIVALENTS
CASH AND CASH EQUIVALENTS AT BEGINNING OF YEAR
CASH AND CASH EQUIVALENTS AT END OF YEAR
Cash and cash equivalent at end of year consist of :
Cash
Current accounts with Bank Indonesia
Current accounts with other banks
Placements with Bank Indonesia and other banks
Certificate of Bank Indonesia
Total cash and cash equivalents
35,023,952
8,119,178
(12,371,924)
21,658,906
(21,154,853)
4,756,908
311,011
(1,152,274)
(6,925,267)
(6,032,263)
176,544
22,409,918
30,911,287
6,962,630
(11,279,559)
48,926,217
(48,691,841)
981,273
311,532
(1,550,246)
(5,673,891)
(5,195,668)
283,597
15,985,331
(109,423)
926,850
(1,637,377)
(62,849,993)
12,930,661
(1,255,239)
(287,145)
(1,323,642)
(348,054)
(2,339,636)
2,160,971
(43,783)
1,412,958
430,491
(51,198,398)
5,576,449
(453,637)
(165,758)
(407,194)
(187,542)
(3,870,020)
1,688,555
(34,473)
14,037,464
22,450,188
3,580,500
(362,261)
(103,921)
(4,161,958)
2,698,206
(1,754,740)
13,367,987
6,019,074
5,418,486
312,206
(441,890)
(2,061,995)
3,205,036
7,345
1,724,505
5,351,504
13,464,990
(82,318)
3,070,669
(2,088,788)
(6,268,821)
(3,882,397)
(5,187,290)
(366)
(565)
(634,541)
(148,072)
(104,258)
(9,957,489)
(756,364)
1,208,213
622
4,252
(828,957)
(64,074)
150,931
(285,377)
241,191
484,334
3,461
2,556,778
-
(606,414)
405,566
(28,589)
652,975
10,755
(4,651,220) (2,940,883)
(1,365,456) (2,506,590)
2,142,045
(9,060,788)
111,307,954 108,653,748
113,449,999
99,592,960
14,352,087
42,032,100
17,843,581
35,139,051
4,083,180
113,449,999
11,476,441
34,732,754
10,313,335
43,065,437
4,993
99,592,960
(1,342,648)
(266,353)
(320,973)
(129,331)
Supplemental Cash Flows Information
Activities not affecting cash flows :
Unrealised losses from decrease in fair value of available for sale marketable securities
and Government Bonds - net of deffered tax
Acquisition of fixed assets - payable
*) Reclassified in accordance with SFAS 1 (Revised 2009) to adopt Bapepam and LK Regulation No. VIII.G.7 year 2012.
STATEMENTS OF CALCULATION OF FINANCIAL RATIOS
As at 30 September 2013 and 2012
(In %)
BANK
No.
RATIOS
30 September 2013 30 September 2012
PERFORMANCE RATIOS
1. Capital Adequacy Ratio (CAR)
2. Non performing earning assets and non performing non earning assets
to total earning assets and non earning assets
3. Non performing earning assets to total earning assets
4. Allowance for impairment on financial assets to earning assets
5. Gross NPL
6. Net NPL
7. Return on Asset (ROA)
8. Return on Equity (ROE)
9. Net Interest Margin (NIM)
10. Operating Expenses to Operating Income
11. Loan to Deposit Ratio (LDR)
COMPLIANCE
1. a. Percentage violation of Legal Lending Limit
i. Related parties
ii. Third parties
b. Percentage of excess of the Legal Lending Limit
i. Related parties
ii. Third parties
2. Reserve requirement
a. Primary reserve requirement Rupiah
b. Reserve requirement Foreign currencies
3. Net Open Position - Overall
15.14%
16.08%
1.21%
1.50%
2.93%
1.71%
0.38%
3.45%
25.82%
5.52%
63.00%
85.65%
1.33%
1.49%
3.01%
1.91%
0.38%
3.47%
26.61%
5.55%
63.55%
82.23%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
8.00%
8.01%
1.64%
8.00%
8.01%
2.00%
STATEMENTS OF SPOT AND DERIVATIVE TRANSACTIONS
Ultimate Shareholder :
As at 30 September 2013
(In Millions of Rupiah)
BANK
No.
MANAGEMENT OF THE BANK
Board of Commissioners
- President Commissioner
(concurrently Independent Commissioner)
- Commissioner
- Independent Commissioner
- Independent Commissioner
- Independent Commissioner
- Commissioner
- Commissioner
:
:
:
:
:
:
Wahyu Hidayat
Pradjoto
Gunarni Soeworo
Krisna Wijaya
Agus Suprijanto**)
Abdul Aziz***)
Board of Directors
- President Director
- Deputy President Director
- Director
- Director
- Director
- Director
- Director
- Director
- Director
- Director
- Director
:
:
:
:
:
:
:
:
:
:
:
Budi Gunadi Sadikin *)
Riswinandi
Abdul Rachman
Sentot A. Sentausa
Ogi Prastomiyono
Pahala N. Mansury
Fransisca N. Mok
Sunarso
Kresno Sediarsi
Royke Tumilaar
Hery Gunardi
TRANSACTION
Notional Amount
Derivative Receivables & Payables
Type
Trading
Hedging
Receivables
Payables
5,360,101
6,393.493
5,212,489
192,009
147,612
6,201,484
6,612
105,769
6,078
77,435
24,532,682
-
24,472,774
-
59,908
-
425,130
-
826,346
-
: Edwin Gerungan
*) Based on approval from Bank Indonesia upon fit & proper test regarding Letter of Bank Indonesia No. 15/35/GBI/DPIP/Rahasia dated 31 July 2013.
**) Based on approval from Bank Indonesia upon fit & proper test regarding Letter of Bank Indonesia No. 15/79/GBI/DPIP/Rahasia dated 24 October 2013.
***) Based on approval from Bank Indonesia upon fit & proper test regarding Letter of Bank Indonesia No. 15/80/GBI/DPIP/Rahasia dated 24 October 2013.
A.
1.
2.
3.
Exchange Rate Related
Spot
Forward
Option
a. Written
b. Purchased
4. Future
5. Swap
6. Others
B. Interest Rate Related
1. Forward
2. Option
a. Written
b. Purchased
3. Future
4. Swap
5. Others
C. Others
TOTAL
-
-
-
-
-
9,400,000
-
-
9,400,000
-
13,589
-
27,738
-
45,686,276
29,877,272
15,809,004
551,100
937,597
Jakarta, 31 October 2013
S. E & O
Board of Directors
PT Bank Mandiri (Persero) Tbk.
Budi G. Sadikin
President Director
Pahala N. Mansury
Director
PT Bank M andiri (Persero) Tbk. and Subsidiaries
STATEMENTS OF FINANCIAL POSITION
As at 30 September 2013 and 31 December 2012
No.
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
17.
18.
19.
20.
21.
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
17.
18.
19.
20.
21.
22.
23.
24.
25.
26.
STATEMENTS OF COMPREHENSIVE INCOME
For the Periods Ended 30 September 2013 and 2012
(In Millions of Rupiah)
BANK
DESCRIPTION
30 September 2013
ASSETS
Cash
Placements with Bank Indonesia
Placements with other banks
Spot and derivative receivables
Securities
a. Designated at fair value through profit/loss
b. Available for sale
c. Held to maturity ***)
d. Loans and receivables
Securities sold with agreement to repurchase (Repo)
Securities purchased with agreement to resell (Reverse Repo)
Acceptances receivables
Loans
a. Designated at fair value through profit/loss
b. Available for sale
c. Held to maturity
d. Loans and receivables
Consumer finance receivables
Sharia financing
Investments in shares
Policy holder's investment in Unit Link Contract
Allowance for impairment on financial assets -/a. Securities
b. Loans
c. Others
Intangible assets
Accumulated amortisation for intangible assets -/Premises and equipment
Accumulated depreciation for premises and equipment -/Non earning assets
a. Abandoned properties
b. Repossessed assets
c. Suspense account
d. Inter office assets
i. Operational activities conducted in Indonesia
ii. Operational activities conducted outside Indonesia
Allowance for impairment on non financial assets -/Lease financing
Deferred tax assets
Other assets
TOTAL ASSETS
LIABILITIES AND EQUITY
LIABILITIES
Demand deposits **)
Savings deposits **)
Time deposits **)
Investment fund - revenue sharing
Fund from Bank Indonesia
Fund from other banks **)
Spot and derivative liabilities
Liabilities sold with repo agreements to repurchase (Repo)
Acceptances liabilities
Securities issued
Fund borrowings
a. Loans capital
b. Others fund borrowings
Margin deposits received
Inter office liabilities
a. Operational activities conducted in Indonesia
b. Operational activities conducted outside Indonesia
Deferred tax liabilities
Liability to Unit Link Holders
Other liabilities
Investment fund - profit sharing
TOTAL LIABILITIES
EQUITY
Share capital
a. Authorised capital
b. Unpaid-in capital -/c. Treasury stock -/Additional Paid-in Capital
a. Agio
b. Disagio -/c. Donated capital
d. Funds for paid-up capital
e. Others
Other comprehensive income (losses)
a. Adjustment arising from translation of financial statement
b. Gain (Losses) from changes of financial assets on available for sale
c. Effective cash flow hedges
d. Premises and equipment revaluation increment
e. Other comprehensive income from entity associations
f. Gain (Losses) from actuarial benefit program
g. Income tax related to other comprehensive income
h. Others
Difference arising from quasi reorganisation
Difference arising from restructuring value of transaction of entities under common control
Other equity
Reserve
a. General reserve
b. Appropriated reserve
Retained Earning
a. Previous years *)
b. Current year
TOTAL EQUITY ATTRIBUTABLE TO OWNER
Non controlling interest
TOTAL EQUITY
TOTAL LIABILITIES AND EQUITY
CONSOLIDATED
31 December 2012
(Audited)
30 September 2013
31 December 2012
(Audited)
13,119,623
61,406,676
24,809,092
551,100
14,131,136
69,830,072
19,262,173
93,280
14,352,087
69,027,421
26,322,381
551,625
15,286,190
75,286,859
20,960,551
93,291
3,118,403
65,249,609
24,638,678
12,662
2,816,733
1,100,254
11,590,896
1,785,047
59,104,726
24,182,676
10,817
14,322,362
7,957,512
5,366,037
65,610,472
26,419,304
12,662
2,816,733
1,584,574
11,590,896
4,130,708
59,428,193
26,073,041
10,817
14,515,235
7,957,512
395,830,648
3,250,926
-
339,973,690
3,218,075
-
445,046,607
5,102,600
7,716
11,619,316
384,581,706
3,919,146
7,350
11,034,239
(147,061)
(14,571,991)
(1,784,329)
1,924,849
(1,253,940)
10,875,431
(4,655,679)
(124,870)
(12,740,561)
(1,284,357)
1,829,609
(1,173,596)
10,410,946
(4,226,501)
(288,394)
(16,026,497)
(1,866,873)
2,222,093
(1,310,396)
12,579,652
(5,530,578)
(268,841)
(14,011,350)
(1,361,841)
2,074,593
(1,213,891)
11,940,765
(4,938,075)
180,048
19,815
1,069,076
180,046
19,815
779,222
180,282
33,837
1,069,076
(283,905)
3,777,111
12,070,531
563,105,056
(321,636)
616,592
2,967,640
20,327,353
700,082,582
(296,967)
329,447
3,966,613
15,120,078
635,618,708
107,313,005
196,273,476
156,354,254
185
29,973,434
937,597
2,556,778
11,590,896
564
107,829,706
182,784,459
144,844,747
755
14,118,879
121,232
7,957,512
564
113,021,975
217,723,481
183,475,319
185
30,131,032
937,597
2,556,778
11,590,896
1,668,424
113,911,014
202,216,209
166,786,895
755
14,320,656
121,232
7,957,512
1,250,364
5,146,411
10,676,386
1,836,621
5,142,950
8,701,422
1,872,976
5,141,411
13,769,189
1,836,621
5,137,950
11,608,077
1,872,976
9,321,335
(9,243,358)
16,327,996
539,065,580
4,226,590
(4,059,287)
18,911,364
492,453,869
9,321,335
(9,243,358)
11,619,316
22,790,131
616,340,332
4,226,590
(4,059,287)
11,034,239
22,700,661
559,085,843
16,000,000
(4,333,333)
-
16,000,000
(4,333,333)
-
16,000,000
(4,333,333)
-
16,000,000
(4,333,333)
-
17,202,376
-
17,195,760
-
17,202,376
-
17,195,760
-
72,694
(528,757)
101,158
-
138,023
(1,672,568)
329,920
-
47,677
(506,069)
96,620
-
2,333,333
2,050,894
2,333,333
547,000
2,333,333
2,050,894
2,333,333
547,000
33,108,218
12,062,398
77,238,093
77,238,093
616,303,673
24,961,431
14,301,901
70,651,187
70,651,187
563,105,056
37,041,727
12,803,391
81,893,763
1,848,487
83,742,250
700,082,582
27,695,065
15,504,067
74,580,120
1,952,745
76,532,865
635,618,708
DESCRIPTION
30 September 2013
OPERATING INCOME AND EXPENSES
A. Interest Income and Sharia, Interest Expenses and Sharia, and
Premium Income and Claim Expenses
1. Interest Income and Sharia Income
a. Rupiah
b. Foreign currencies
2. Interest Expense and Sharia Expenses
a. Rupiah
b. Foreign currencies
Net Interest Income and Sharia Income (Expenses)
3. Premium Income
4. Claim Expense
Net Premium Income (Claim Expenses)
Net Interest Income (Expenses), Sharia, and Net Premium Income (Claim Expenses)
B. Other Operating Income and Expenses
1. Other Operating Income
a. Increase in fair value of financial assets (mark to market)
i. Securities
ii. Loans
iii. Spot and derivative
iv. Other financial assets
b. Decrease in fair value of financial liabilities (mark to market)
c. Gain from sale of financial assets
i. Securities
ii. Loans
iii. Other financial assets
d. Gain from spot and derivative transaction (realised)
e. Gain from investment in shares with equity method
f. Dividend
g. Comissions/provisions/fees and administrative
h. Recovery on allowance for impairment
i. Other income
2. Other Operating Expenses
a. Decrease in fair value of financial assets (mark to market)
i. Securities
ii. Loans
iii. Spot and derivative
iv. Other financial assets
b. Increase in fair value of financial liabilities (mark to market)
c. Losses from sale of financial assets
i. Securities
ii. Loans
iii. Other financial assets
d. Losses from spot and derivative transaction (realised)
e. Impairment for financial assets
i. Securities
ii. Loans
iii. Sharia financing
iv. Other financial assets
f. Losses related to operational risk
g. Losses from investment in shares under equity method
h. Comissions/provisions/fees and administrative
i. Impairment on non financial assets
j. Salaries and employee benefits
k. Promotion expenses
l. Other expenses
Other Operating Income (Expenses)
PROFIT (LOSS) FROM OPERATIONS
NON OPERATING INCOME AND EXPENSES
1. Gain (Losses) from sale of premises and equipment
2. Gain (Losses) from foreign currencies translation
3. Other non operating income (expenses)
PROFIT (LOSS) FROM NON OPERATING
PROFIT (LOSS) CURRENT YEAR BEFORE TAX
Income tax expenses
a. Estimated current tax
b. Deffered tax income (expenses)
180,280
33,837
779,222
(308,574)
2,770,294
14,690,434
616,303,673
163,610
(1,681,012)
331,609
-
No.
BANK
I.
RELATED PARTIES
1. Placements with other banks
a. Rupiah
193
b. Foreign currencies
1,281,281
2. Spot and derivative receivables
a. Rupiah
b. Foreign currencies
3. Securities
a. Rupiah
149,730
b. Foreign currencies
4. Securities sold with agreement to repurchase (Repo)
a. Rupiah
b. Foreign currencies
5. Securities purchased with agreement to resell (Reverse Repo)
a. Rupiah
b. Foreign currencies
6. Acceptances receivables
7. Other receivable - trade transaction
a. Rupiah
b. Foreign currencies
8. Loans
a. Micro, small and medium loans (UMKM)
i. Rupiah
ii. Foreign currencies
b. Non UMKM
3,970,611
i. Rupiah
3,879,731
ii. Foreign currencies
90,880
c. Restructured loans
i. Rupiah
ii. Foreign currencies
d. Property loans
12,043
9. Investments in shares
2,745,740
10. Temporary investment
11. Commitments and contingencies
a. Rupiah
353,620
b. Foreign currencies
85,212
12. Repossessed assets
II. THIRD PARTIES
1. Placements with other banks
12,455,314
a. Rupiah
33,583,218
b. Foreign currencies
2. Spot and derivative receivables
550,989
a. Rupiah
111
b. Foreign currencies
3. Securities
82,005,204
a. Rupiah
10,764,889
b. Foreign currencies
4. Securities sold with agreement to repurchase (Repo)
2,816,733
a. Rupiah
b. Foreign currencies
5. Securities purchased with agreement to resell (Reverse Repo)
1,100,254
a. Rupiah
b. Foreign currencies
11,580,201
6. Acceptances receivables
7. Other receivable - trade transaction
3,072,688
a. Rupiah
3,833,765
b. Foreign currencies
8. Loans
55,167,281
a. Micro, small and medium loans (UMKM)
54,828,220
i. Rupiah
339,061
ii. Foreign currencies
314,723,994
b. Non UMKM
258,906,528
i. Rupiah
55,817,466
ii. Foreign currencies
7,768,680
c. Restructured loans
3,576,523
i. Rupiah
4,192,157
ii. Foreign currencies
26,386,090
d. Property loans
1,955
9. Investments in shares
10. Temporary investment
11. Administrative account transaction
96,621,179
a. Rupiah
b. Foreign currencies
56,386,715
12. Repossessed assets
III. OTHER INFORMATIONS
1. Value of bank's assets pledge as collateral :
a. To Bank Indonesia
b. To others
2. Total allowance for impairment on financial assets to earning assets
3. Total required allowance for possible losses on assets
4. Percentage of UMKM loans to total loans
5. Percentage of UMK loans to total loans
6. Percentage of UMKM debtors to total debtors
7. Percentage of UMK debtors to total debtors
8. Others
a. Chanelling of loans
b. Mudharabah Muqayyadah financing
c. write off on earning assets
d. Recovery of write off on earning assets
e. write off on earning assets with elimination of right to collect
Placements with other banks
Spot and derivative receivables
Securities
Securities sold with agreement to repurchase (Repo)
Securities purchased with agreement to resell (Reverse Repo)
Acceptances receivables
Other receivable - trade transaction
Loans
Investments in shares
Temporary invesment
Administrative account transaction
8,708,826
985
1,241,978
-
302
733,861
-
1,334,208
-
7,452
733,861
-
22,323
143,325
429,507
5,262,186
47,184
2,475,270
15,721,979
82,089
113,515
279,222
4,547,625
276,259
2,006,663
13,446,227
35,411
171,605
615
6,091,485
47,883
2,909,598
20,205,945
74,694
127,663
1
5,278,039
125,910
2,361,206
16,591,082
-
-
212,755
-
-
-
-
-
-
(2,240,295)
(1,237,967)
(1,969,156)
(1,115,981)
PROFIT (LOSS) AFTER INCOME TAX - NET
12,062,398
10,363,976
13,270,585
11,519,339
OTHER COMPREHENSIVE INCOME
a. Adjustment arising from translation of financial statement
b. Gain (Losses) from changes of financial assets on available for sale
c. Effective cash flow hedges
d. Premises and equipment revaluation increment
e. Other comprehensive income from entity associations
f. Gain (Losses) from actuarial benefit program
g. Income tax related to other comprehensive income
h. Others
Other comprehensive income current year after income tax - net
90,916
(1,152,255)
230,451
(830,888)
(11,350)
261,840
(52,353)
198,137
90,346
(1,166,499)
233,300
(842,853)
Loss
Total
Current
10,562,113
12,427,732
11,819,947
12,062,398
12,062,398
10,363,976
10,363,976
12,803,391
467,194
13,270,585
11,119,408
399,931
11,519,339
11,231,510
11,231,510
10,562,113
10,562,113
11,960,538
467,194
12,427,732
11,420,016
399,931
11,819,947
TRANSFER INCOME (LOSSES) TO HEAD OFFICE
-
-
-
-
DIVIDEND
EARNING PER SHARE
-
-
548.72
476.55
STATEMENTS OF CALCULATION OF CAPITAL ADEQUACY RATIO
COMMERCIAL BANK
No.
Special
Mention
Sub
Standard
Doubtful
Loss
I.
Total
-
-
-
-
193
1,281,281
547,431
-
-
-
-
547,431
-
-
-
-
-
-
-
-
-
-
-
-
-
-
149,730
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
1,066
1,066
640
-
12
12
-
474,227
-
79,451
3
79,448
3
27,469
-
4,051,140
3,880,812
170,328
12,686
3,247,436
-
539
539
3,738,069
3,625,529
112,540
6,327
2,883,269
-
-
-
-
2,278
-
539
539
3,738,069
3,625,529
112,540
6,327
2,885,547
-
-
-
-
-
353,620
85,212
-
97,872
71,177
-
-
-
-
-
97,872
71,177
-
-
-
-
67,406
12,455,314
33,650,624
21,143,330
27,988,875
-
-
-
53,416
21,143,330
28,042,291
-
-
-
-
550,989
111
61,600
357
-
-
-
-
61,600
357
-
-
-
86,720
12,809
82,091,924
10,777,698
81,222,965
3,031,441
-
-
-
86,507
10,725
81,309,472
3,042,166
-
-
-
-
2,816,733
-
650,340
-
-
-
-
-
650,340
-
10,695
-
-
-
1,100,254
11,590,896
6,791,327
7,233,053
3,677
-
919
-
6,791,327
7,237,649
59,718
447,459
-
-
145,944
806,147
3,278,350
5,087,371
2,024,166
2,211,583
42,380
354,877
-
664
145,944
664,845
2,212,490
3,231,969
372,926
372,926
354,597
354,537
60
191,498
191,498
92,160
-
545,864
545,864
283,162
270,551
12,611
55,051
55,051
58,799
1,535
1,440,260
1,440,260
3,753,360
2,447,017
1,306,343
1,215,599
877,930
337,669
289,217
-
61,626,230
61,270,133
356,097
330,153,278
270,888,856
59,264,422
12,708,861
6,233,085
6,475,776
30,028,643
1,955
1,535
45,677,354
45,357,058
320,296
249,817,498
208,115,865
41,701,633
8,324,328
4,610,378
3,713,950
20,263,839
1,955
-
3,271,510
3,246,268
25,242
10,497,976
8,191,648
2,306,328
4,654,832
2,475,900
2,178,932
2,584,109
-
262,016
262,016
1,229,554
949,882
279,672
744,185
464,563
279,622
78,487
-
362,911
362,911
225,500
217,485
8,015
35,761
35,761
63,516
415
1,003,559
1,003,559
3,067,517
2,094,553
972,964
305,045
305,045
292,011
-
50,577,350
50,231,812
345,538
264,838,045
219,569,433
45,268,612
14,064,151
7,891,647
6,172,504
23,281,962
1,955
415
414,088
155,422
-
2,204
-
3,108
-
55,580
3,981
19,815
97,096,159
56,546,118
19,815
44,180,817
37,080,602
-
128,922
50,276
-
1,842
-
1,821
-
19,386
14,671
120,030
44,332,788
37,145,549
120,030
16,503,381
15,516,676
15.57%
6.47%
46.48%
43.28%
14,359,725
12,931,612
15.85%
6.45%
43.03%
40.08%
11,802,698
1,826,454
2,230,743
-
13,000,917
1,970,676
2,856,656
-
(In Millions of Rupiah)
30 September 2013
Required Allowance for
Allowance for Impairment
Possible Losses on Earning Assets
Individual
Collective
General
Spesific
247,417
5,445
116,372
1,377
115,802
69,065
6,072,315
50
696,431
67,406
99,529
535
977,450
7,478,563
264,582
768
75,030
30 September 2012
Required Allowance for
Allowance for Impairment
Possible Losses on Earning Assets
Individual
Collective
General
Spesific
53,416
108,870
2,269
1,099,868
8,681,503
2,513
207
119,737
(9,948)
362,909
(52,353)
300,608
11,231,510
-
26,555
7,017
46,406
21,855
5,390,504
17,785
10,590,805
(1,474,700)
(1,113,882)
4,099,899
4,082,863
17,036
11,038,165
8,910,223
2,127,942
3,478,033
1,532,083
1,945,950
3,202,377
-
67,406
140,044
177,029
1,388,667
9,181,487
55,643
768
137,231
8,039,536
(1,733,604)
(1,237,267)
As at 30 September 2013 and 2012
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
9,622,758
4,236
227,881
232,117
14,604,476
* ) Statement of Assets' Quality as at 30 September 2013 are presented to comply with PBI No. 14/15/PBI/2012 dated 24 October 2012 regarding Assets Quality for Commercial Bank.
DESCRIPTION
31,151,567
29,207,376
1,944,191
10,545,661
10,201,029
344,632
20,605,906
4,458,055
2,809,346
1,648,709
22,254,615
4,461
172,082
176,543
16,748,847
ALLOWANCES FOR IMPAIRMENT
No.
35,797,867
33,620,846
2,177,021
11,631,669
11,199,986
431,683
24,166,198
5,029,988
3,008,742
2,021,246
26,187,444
849
166,567
167,416
12,952,558
30 September 2012
Doubtful
27,038,080
25,211,064
1,827,016
8,846,247
8,513,513
332,734
18,191,833
18,191,833
2,992
46,255
49,247
15,033,269
BANK
Sub
Standard
30,879,963
28,821,101
2,058,862
9,796,720
9,367,856
428,864
21,083,243
21,083,243
(In Millions of Rupiah) As at 30 September 2013 and 2012
30 September 2013 *)
Special
Mention
30 September 2012
7,946
2,973,643
(60,585)
343,370
5,444,734
689,359
7,192,615
(7,882,256)
14,372,359
As at 30 September 2013 and 2012
Current
30 September 2013
8,075
3,668,271
356,369
20,174
406,645
6,772,978
619,621
8,141,057
(9,615,140)
16,572,304
STATEMENTS OF ASSETS’ QUALITY AND OTHER INFORMATION
DESCRIPTION
30 September 2012
2,847,585
(60,585)
343,370
1,375
4,366,347
584,821
5,363,314
(5,406,691)
12,785,142
TOTAL OTHER COMPREHENSIVE INCOME CURRENT YEAR
Income atributtable to :
Parent Company
Non controlling interest
TOTAL INCOME CURRENT YEAR
Total comprehensive income atributtable to :
Parent Company
Non controlling interest
TOTAL COMPREHENSIVE INCOME CURRENT YEAR
48,790
6,242
24,596
16,299
4,315,152
8,695
222,992
569
75,791
6,503
72,331
42,357
4,327,456
50
545,481
53,416
97,232
644
830,984
7,198,802
2,278
207
44,203
Notes :
1) Presentation of the above Published Financial Statements as at and for nine months ended 30 September 2013 and 2012 are derived from the Consolidated Financial Statements of PT Bank Mandiri (Persero) Tbk. and Subsidiaries
(unaudited), and Consolidated Financial Statements as at and for the years ended 31 December 2012 are derived from the Consolidated Financial Statements which were audited by Public Accounting Firm KAP Tanudiredja,
Wibisana & Rekan - a member firm of PwC Global Network (partner in charge Lucy Luciana Suhenda, S.E., Ak., CPA) whose report dated 25 February 2013 expressed an Unqualified Opinion with an explanatory paragraph
regarding adoption of various new and revised Financial Accounting Standards in Indonesia effective from 1 January 2012 and adoption of Bapepam and LK regulation No. VIII.G.7, Decision of Chairman of Bapepam and LK
No. Kep-347/BL/2012 dated 25 June 2012, regarding Financial Statements Presentation and Disclosure for Issuers or Public Companies.
2) The above Published Financial Statements are presented to comply with Bank Indonesia Regulation No. 3/22/PBI/2001 dated 13 December 2001 which was amended by Bank Indonesia Regulation No. 14/14/PBI/2012 dated
18 October 2012 regarding Transparency and Published Financial Statement of the Bank and Circular Letter of Bank Indonesia No. 3/30/DPNP dated 14 December 2001 regarding Quarterly Published Financial Statements
and Monthly Financial Statements of Commercial Banks and Specific Reports to Bank Indonesia, which was amended by Circular Letter of Bank Indonesia No. 13/30/DPNP dated 16 December 2011, and also in accordance
with regulation of Capital Market and Financial Institution Supervisory Agency (Bapepam and LK) No. X.K.2, Decision of Chairman of Bapepam and LK No. Kep-346/BL/2011 dated 5 July 2011 regarding Submission of Periodic
Financial Statement for Issuers or Public Companies. Financial Statements Information and Statement of Cash Flows included in the published financial statements have been prepared in accordance with Bapepam and LK
regulation No. VIII.G.7, Decision of Chairman of Bapepam and LK No. Kep-347/BL/2012 dated 25 June 2012. The Calculation of Consolidated Capital Adequacy Ratios have been complied with Bank Indonesia Regulation
No. 8/6/PBI/2006 dated 30 January 2006 regarding The Implementation of Consolidated Risk Management for Banks Performing Control on Subsidiary Companies.
3) For comparative purposes, certain accounts in the Consolidated Financial Statements as at and for nine months ended 30 September 2012 have been reclassified to conform with the presentation of Consolidated Financial
Statements as at and for nine months ended 30 September 2013.
4) Related Parties in the Assets' Quality and Other Information are presented in accordance with Bank Indonesia Regulation No. 7/3/PBI/2005 dated 20 January 2005 which was amended by Bank Indonesia Regulation
No. 8/13/PBI/2006 dated 5 October 2006 regarding The Legal Lending Limit For Commercial Banks.
5) Exchange rate of 1 US Dollar as at 30 September 2013, 30 September 2012 and 31 December 2012 were Rp11,580.00; Rp9,570.00 and Rp9,637.50 respectively.
(In Millions of Rupiah)
COMPONENTS OF CAPITAL
COMPONENTS
A. Core Capital
1. Paid-in Capital
2. Disclosed Reserves
2.1. Additional
a. Agio
b. Donated capital
c. General reserves
d. Appropriated reserves
e. Previous years profit (100%)
f. Current year profit (50%)
g. Differences arising from translation of financial statement
h. Funds for Paid-up Capital
i. Warrant issued (50%)
j. Stock option issued for stock-based
compensation program (50%)
2.2. Deduction
a. Disagio
b. Previous years loss (100%)
c. Current year loss (100%)
d. Differences arising from translation of financial
statement
e. Other comprehensive income: Losses from
decrease in fair value of investment in shares
classified Available for sale
f. Difference in allowance for possible losses and
allowance for impairment on earning assets
g. Allowance for impairment on non earning
assets which shall be calculated
h. Difference in adjustment amounts from fair value
of financial assets in trading book
3. Innovative Capital
3.1. Subordinated bonds (non cummulative perpetual)
3.2. Subordinated loans (non cummulative perpetual)
3.3. Other innovative capital Instrument
4. Core Capital Deduction
4.1. Goodwill
4.2. Other intangible assets
4.3. Investments in shares (50%)
4.4. Shortage of capital on insurance subsidiaries (50%)
5. Non Controlling Interest
B. Supplemental Capital
1. Upper Tier 2
1.1. Preference stock (cummulative perpetual)
1.2. Subordinated bonds (cummulative perpetual)
1.3. Subordinated loans (cummulative perpetual)
1.4. Mandatory convertible bond
1.5. Innovative capital not included as core capital
1.6. Other supplemental capital (upper tier 2)
1.7. Fixed assets revaluation
1.8. General provision on earning assets (max. 1.25% RWA)
1.9. Other comprehensive income: Gain from increase in fair
value of investment in shares classified as
Available for sale (45%)
2. Lower Tier 2 maximum 50% of Core Capital
2.1. Redeemable preference shares
2.2. Subordinated loans and bonds
2.3. Other supplemental capital instrument (lower tier 2)
3. Supplemental Capital Deduction
3.1. Investments in shares (50%)
3.2. Shortage of capital on insurance subsidiaries (50%)
C. Core Capital and Supplemental Capital Deduction
Securitisation exposure
D. Additional Supplemental Capital Fulfilling Requirement (Tier 3)
E. Additional Supplemental Capital Allocated To
Anticipate Market Risk
II.
III.
STATEMENTS OF COMMITMENTS AND CONTINGENCIES
As at 30 September 2013 and 31 December 2012
(In Millions of Rupiah)
BANK
CONSOLIDATED
30 September 2013 31 December 2012
(Audited)
30 September 2013 31 December 2012
(Audited)
CONSOLIDATED
10,714
3,039,020
279,889
20,174
406,645
5,373,730
530,343
6,061,464
(6,099,221)
14,984,022
* ) Accumulated losses of Rp162,874,901 million has been eliminated against additional paid-in capital/agio through quasi-reorganisation on 30 April 2003.
**) Consolidated balance includes temporary syirkah funds from a Subsidiary.
***) Including Securities owned by Subsidiary which classsified "At Cost", accordance with SFAS 110 "Accounting for Sukuk", which was effective since 1 January 2012.
No.
(In Millions of Rupiah)
TOTAL CORE CAPITAL AND SUPPLEMENTAL CAPITAL (A+B-C)
TOTAL CORE CAPITAL,SUPPLEMENTAL CAPITAL, AND
ADDITIONAL SUPPLEMENTAL CAPITAL ALLOCATED TO
ANTICIPATE MARKET RISK (A+B-C+E)
IV. CREDIT RISK-WEIGHTED ASSETS
V. OPERATIONAL RISK-WEIGHTED ASSETS
VI. MARKET RISK-WEIGHTED ASSETS
VII. REQUIRED MINIMUM CAPITAL ADEQUACY RATIO FOR
CREDIT RISK AND OPERATIONAL RISK {II:(IV+V)}
VIII. REQUIRED MINIMUM CAPITAL ADEQUACY RATIO FOR
CREDIT RISK, OPERATIONAL RISK AND MARKET
RISK {III:(IV+V+VI)}
30 September 2013
30 September 2012
BANK
BANK
CONSOLIDATED
CONSOLIDATED
63,600,748
11,666,667
53,531,084
53,813,314
17,202,376
2,333,333
2,050,894
25,413,268
6,649,833
163,610
-
69,067,676
11,666,667
57,775,366
58,070,658
17,202,376
2,333,333
2,050,894
29,325,353
7,020,679
138,023
-
53,133,234
11,666,667
42,910,290
43,311,846
17,195,760
2,333,333
547,000
17,424,892
5,738,929
71,932
-
57,335,928
11,666,667
45,975,286
46,398,904
17,195,760
2,333,333
547,000
20,158,271
6,117,695
46,845
-
(282,230)
-
(295,292)
-
(401,556)
-
(423,618)
-
-
-
-
-
-
-
-
-
-
-
-
-
(282,230)
(295,292)
(401,556)
(423,618)
(1,597,003)
(1,597,003)
-
(705,475)
(117,741)
(587,734)
331,118
(1,443,723)
(1,443,723)
-
(613,803)
(105,666)
(508,137)
307,778
7,526,427
6,501,396
1,371,121
5,130,275
9,072,941
7,038,641
1,371,121
5,667,520
7,849,828
5,489,287
1,371,121
4,118,166
9,246,465
5,950,338
1,371,121
4,579,217
2,622,034
2,622,034
(1,597,003)
(1,597,003)
-
2,622,034
2,622,034
(587,734)
(587,734)
-
3,804,264
3,804,264
(1,443,723)
(1,443,723)
-
3,804,264
3,804,264
(508,137)
(508,137)
-
-
-
-
-
71,127,175
78,140,617
60,983,062
66,582,393
71,127,175
410,422,011
57,671,278
1,558,307
78,140,617
453,401,615
67,581,862
1,426,982
60,983,062
329,453,269
48,384,624
1,345,933
66,582,393
366,337,401
55,735,767
1,599,965
15.20%
15.00%
16.14%
15.78%
15.14%
14.96%
16.08%
15.72%
SHAREHOLDER
No.
DESCRIPTION
I.
COMMITMENT RECEIVABLES
1. Unused fund borrowings facilities
a. Rupiah
b. Foreign currencies
2. Outstanding purchase position on spot and derivative
3. Others
II.
COMMITMENT PAYABLES
1. Unused loan facilities granted to customer
a. BUMN
i. Committed
- Rupiah
- Foreign currencies
ii. Uncommitted
- Rupiah
- Foreign currencies
b. Others
i. Committed
ii. Uncommitted
2. Unused loan facilities granted to other banks
a. Committed
i. Rupiah
ii. Foreign currencies
b. Uncommitted
i. Rupiah
ii. Foreign currencies
3. Outstanding irrevocable letters of credit
a. Foreign L/C
b. Local L/C
4. Outstanding sales position on spot and derivative
5. Others
III. CONTINGENT RECEIVABLES
1. Guarantees received
a. Rupiah
b. Foreign currencies
2. Unrecognized interest income
a. Interest loan
b. Others interest
3. Others
IV. CONTINGENT PAYABLES
1. Guarantees issued
a. Rupiah
b. Foreign currencies
2. Others
572,729
-
93,280
-
572,729
-
99,522
-
5,435,550
357,707
10,555,252
429,736
5,435,550
357,707
10,555,252
429,736
12,580,750
416,772
9,889,235
455,415
12,580,750
416,772
9,889,235
455,415
20,315,789
44,711,451
18,317,538
41,783,658
20,319,728
45,607,966
18,326,668
43,538,037
77,092
-
68,373
-
77,092
-
68,373
-
130,598
-
134,788
-
130,598
-
134,788
-
9,111,006
2,569,377
998,516
-
9,513,676
2,378,427
121,232
-
9,177,420
2,608,688
998,516
-
9,575,542
2,389,196
127,464
-
388,917
17,286,908
251,694
9,916,800
391,320
17,289,993
254,097
9,919,327
6,611,217
51,949
32,729
5,669,484
51,949
32,729
6,617,302
473,333
32,729
5,674,413
234,732
32,729
20,820,175
37,554,842
208,666
22,329,910
25,951,138
247,777
20,965,567
37,707,599
208,666
22,541,654
26,057,908
247,777
STATEMENTS OF CASH FLOWS
For the Periods Ended 30 September 2013 and 2012
(In Millions of Rupiah)
CONSOLIDATED
DESCRIPTION
30 September 2013 30 September 2012*)
CASH FLOWS FROM OPERATING ACTIVITIES
Receipts from interest income and sharia income
Receipts from fees, commissions and premium - net
Payments of interest expense and sharia expenses
Receipts from the sale of Government Bonds - Fair value through profit or loss
Acquisition of Government Bonds - Fair value through profit or loss
Foreign exchange gains - net
Operating income - others
Operating expenses - others
Salaries and employee benefits
General and administrative expenses
Non operating income - others
Cash Flow From Operating Activities Before Changes in Operating Assets and Liabilities
Decrease/(increase) in operating assets:
Placements with Bank Indonesia and other banks
Marketable securities - Fair value through profit or loss
Other receivables - trade transactions
Loans
Securities purchased under resale agreements
Consumer financing receivable
Net investment in lease financing
Prepaid taxes
Prepaid expense
Other assets
Proceeds from collection of financial assets already written - off
Increase/(decrease) in operating liabilities and temporary syirkah funds:
Conventional Banking and Sharia - Non Syirkah Temporer Fund
Demand deposits
Saving deposits
Time deposits
Inter-bank call money
Obligation due immediately
Taxes payable
Payment of corporate income tax
Other liabilities
Sharia Banking - Temporary Syirkah Funds
Restricted investment demand deposit and mudharabah musytarakah demand deposit
Restricted investment saving deposit and unrestricted investment mudharabah saving deposit
Unrestricted investment mudharabah time deposit
Net cash provided by operating activities
CASH FLOWS FROM INVESTING ACTIVITIES
Decrease/(increase) in marketable securities - Available for sale and Held to maturity
Decrease in Government Bonds - Available for sale and Held to maturity
Increase of investment in Subsidiaries
Proceeds from sale of fixed assets
Acquisition of fixed assets
Acquisition of intangible assets
Increase in Non Controlling Interests
Net cash (used in)/provided by investing activities
CASH FLOWS FROM FINANCING ACTIVITIES
(Decrease)/increase in marketable securities issued
(Decrease)/increase in fund borrowings
Payment of subordinated loans
Decrease in securities sold under repurchase agreements
Capital contribution
Payments of dividends, cooperative development fund program and community
development fund program
Net cash (used in)/provided by financing activities
NET INCREASE IN CASH AND CASH EQUIVALENTS
CASH AND CASH EQUIVALENTS AT BEGINNING OF YEAR
CASH AND CASH EQUIVALENTS AT END OF YEAR
Cash and cash equivalent at end of year consist of :
Cash
Current accounts with Bank Indonesia
Current accounts with other banks
Placements with Bank Indonesia and other banks
Certificate of Bank Indonesia
Total cash and cash equivalents
35,023,952
8,119,178
(12,371,924)
21,658,906
(21,154,853)
4,756,908
311,011
(1,152,274)
(6,925,267)
(6,032,263)
176,544
22,409,918
30,911,287
6,962,630
(11,279,559)
48,926,217
(48,691,841)
981,273
311,532
(1,550,246)
(5,673,891)
(5,195,668)
283,597
15,985,331
(109,423)
926,850
(1,637,377)
(62,849,993)
12,930,661
(1,255,239)
(287,145)
(1,323,642)
(348,054)
(2,339,636)
2,160,971
(43,783)
1,412,958
430,491
(51,198,398)
5,576,449
(453,637)
(165,758)
(407,194)
(187,542)
(3,870,020)
1,688,555
(34,473)
14,037,464
22,450,188
3,580,500
(362,261)
(103,921)
(4,161,958)
2,698,206
(1,754,740)
13,367,987
6,019,074
5,418,486
312,206
(441,890)
(2,061,995)
3,205,036
7,345
1,724,505
5,351,504
13,464,990
(82,318)
3,070,669
(2,088,788)
(6,268,821)
(3,882,397)
(5,187,290)
(366)
(565)
(634,541)
(148,072)
(104,258)
(9,957,489)
(756,364)
1,208,213
622
4,252
(828,957)
(64,074)
150,931
(285,377)
241,191
484,334
3,461
2,556,778
-
(606,414)
405,566
(28,589)
652,975
10,755
(4,651,220) (2,940,883)
(1,365,456) (2,506,590)
2,142,045
(9,060,788)
111,307,954 108,653,748
113,449,999
99,592,960
14,352,087
42,032,100
17,843,581
35,139,051
4,083,180
113,449,999
11,476,441
34,732,754
10,313,335
43,065,437
4,993
99,592,960
(1,342,648)
(266,353)
(320,973)
(129,331)
Supplemental Cash Flows Information
Activities not affecting cash flows :
Unrealised losses from decrease in fair value of available for sale marketable securities
and Government Bonds - net of deffered tax
Acquisition of fixed assets - payable
*) Reclassified in accordance with SFAS 1 (Revised 2009) to adopt Bapepam and LK Regulation No. VIII.G.7 year 2012.
STATEMENTS OF CALCULATION OF FINANCIAL RATIOS
As at 30 September 2013 and 2012
(In %)
BANK
No.
RATIOS
30 September 2013 30 September 2012
PERFORMANCE RATIOS
1. Capital Adequacy Ratio (CAR)
2. Non performing earning assets and non performing non earning assets
to total earning assets and non earning assets
3. Non performing earning assets to total earning assets
4. Allowance for impairment on financial assets to earning assets
5. Gross NPL
6. Net NPL
7. Return on Asset (ROA)
8. Return on Equity (ROE)
9. Net Interest Margin (NIM)
10. Operating Expenses to Operating Income
11. Loan to Deposit Ratio (LDR)
COMPLIANCE
1. a. Percentage violation of Legal Lending Limit
i. Related parties
ii. Third parties
b. Percentage of excess of the Legal Lending Limit
i. Related parties
ii. Third parties
2. Reserve requirement
a. Primary reserve requirement Rupiah
b. Reserve requirement Foreign currencies
3. Net Open Position - Overall
15.14%
16.08%
1.21%
1.50%
2.93%
1.71%
0.38%
3.45%
25.82%
5.52%
63.00%
85.65%
1.33%
1.49%
3.01%
1.91%
0.38%
3.47%
26.61%
5.55%
63.55%
82.23%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
8.00%
8.01%
1.64%
8.00%
8.01%
2.00%
STATEMENTS OF SPOT AND DERIVATIVE TRANSACTIONS
Ultimate Shareholder :
As at 30 September 2013
(In Millions of Rupiah)
BANK
No.
MANAGEMENT OF THE BANK
Board of Commissioners
- President Commissioner
(concurrently Independent Commissioner)
- Commissioner
- Independent Commissioner
- Independent Commissioner
- Independent Commissioner
- Commissioner
- Commissioner
:
:
:
:
:
:
Wahyu Hidayat
Pradjoto
Gunarni Soeworo
Krisna Wijaya
Agus Suprijanto**)
Abdul Aziz***)
Board of Directors
- President Director
- Deputy President Director
- Director
- Director
- Director
- Director
- Director
- Director
- Director
- Director
- Director
:
:
:
:
:
:
:
:
:
:
:
Budi Gunadi Sadikin *)
Riswinandi
Abdul Rachman
Sentot A. Sentausa
Ogi Prastomiyono
Pahala N. Mansury
Fransisca N. Mok
Sunarso
Kresno Sediarsi
Royke Tumilaar
Hery Gunardi
TRANSACTION
Notional Amount
Derivative Receivables & Payables
Type
Trading
Hedging
Receivables
Payables
5,360,101
6,393.493
5,212,489
192,009
147,612
6,201,484
6,612
105,769
6,078
77,435
24,532,682
-
24,472,774
-
59,908
-
425,130
-
826,346
-
: Edwin Gerungan
*) Based on approval from Bank Indonesia upon fit & proper test regarding Letter of Bank Indonesia No. 15/35/GBI/DPIP/Rahasia dated 31 July 2013.
**) Based on approval from Bank Indonesia upon fit & proper test regarding Letter of Bank Indonesia No. 15/79/GBI/DPIP/Rahasia dated 24 October 2013.
***) Based on approval from Bank Indonesia upon fit & proper test regarding Letter of Bank Indonesia No. 15/80/GBI/DPIP/Rahasia dated 24 October 2013.
A.
1.
2.
3.
Exchange Rate Related
Spot
Forward
Option
a. Written
b. Purchased
4. Future
5. Swap
6. Others
B. Interest Rate Related
1. Forward
2. Option
a. Written
b. Purchased
3. Future
4. Swap
5. Others
C. Others
TOTAL
-
-
-
-
-
9,400,000
-
-
9,400,000
-
13,589
-
27,738
-
45,686,276
29,877,272
15,809,004
551,100
937,597
Jakarta, 31 October 2013
S. E & O
Board of Directors
PT Bank Mandiri (Persero) Tbk.
Budi G. Sadikin
President Director
Pahala N. Mansury
Director