Q2 2013 June 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 June 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 June 2013 and 2012
(In Millions of Rupiah)
BANK
DESCRIPTION
30 June 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 June 2013
11,331,798
73,670,206
17,807,728
39,665
14,131,136
69,830,072
19,262,173
93,280
12,248,288
78,964,143
20,247,081
40,050
15,286,190
75,286,859
20,960,551
93,291
1,516,871
59,579,220
24,285,121
10,791
5,457,684
1,528,551
7,827,510
1,785,047
59,104,726
24,182,676
10,817
14,322,362
7,957,512
3,766,956
59,871,432
26,033,725
10,791
5,457,684
1,955,498
7,827,510
4,130,708
59,428,193
26,073,041
10,817
14,515,235
7,957,512
375,203,929
3,252,313
-
339,973,690
3,218,075
-
423,241,476
4,896,856
9,103
12,641,838
384,581,706
3,919,146
7,350
11,034,239
(139,210)
(13,591,982)
(1,454,621)
1,862,582
(1,224,226)
10,519,236
(4,501,099)
(124,870)
(12,740,561)
(1,284,357)
1,829,609
(1,173,596)
10,410,946
(4,226,501)
(281,760)
(15,008,979)
(1,519,876)
2,146,421
(1,274,493)
12,162,459
(5,320,916)
(268,841)
(14,011,350)
(1,361,841)
2,074,593
(1,213,891)
11,940,765
(4,938,075)
180,046
19,815
776,922
180,046
19,815
779,222
180,280
33,837
776,922
(283,905)
3,777,111
12,070,531
563,105,056
(299,812)
548,107
3,316,048
19,502,469
672,173,138
(296,967)
329,447
3,966,613
15,120,078
635,618,708
107,219,012
185,996,087
158,059,985
375
23,677,937
140,383
4,689,905
7,827,510
564
107,829,706
182,784,459
144,844,747
755
14,118,879
121,232
7,957,512
564
113,015,736
206,572,817
182,781,469
375
23,713,818
140,383
4,689,905
7,827,510
1,668,297
113,911,014
202,216,209
166,786,895
755
14,320,656
121,232
7,957,512
1,250,364
5,142,950
8,701,422
1,872,976
5,124,472
11,586,460
1,626,569
5,137,950
11,608,077
1,872,976
7,793,304
(7,739,093)
15,443,850
518,019,619
4,226,590
(4,059,287)
18,911,364
492,453,869
7,793,304
(7,739,093)
12,641,838
21,267,714
592,711,574
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)
-
17,195,760
-
17,195,760
-
17,195,760
-
17,195,760
-
135,092
(1,250,854)
245,578
-
72,694
(528,757)
101,158
-
109,588
(1,236,250)
242,657
-
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 Expenses and Sharia Expenses
a. Rupiah
b. Foreign currencies
Net Interest Income and Sharia Income (Expenses)
3. Premium Income
4. Claim Expenses
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)
PROFIT (LOSS) AFTER INCOME TAX - NET
2,333,333
547,000
2,333,333
2,050,894
2,333,333
547,000
33,108,218
7,939,778
73,424,466
73,424,466
591,444,085
24,961,431
14,301,901
70,651,187
70,651,187
563,105,056
37,041,727
8,294,010
77,698,386
1,763,178
79,461,564
672,173,138
27,695,065
15,504,067
74,580,120
1,952,745
76,532,865
635,618,708
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
I.
RELATED PARTIES
1. Placements with other banks
a. Rupiah
211
b. Foreign currencies
75,191
2. Spot and derivative receivables
a. Rupiah
b. Foreign currencies
2
3. Securities
a. Rupiah
150,630
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
3,776,935
i. Rupiah
3,657,935
ii. Foreign currencies
119,000
c. Restructured loans
i. Rupiah
ii. Foreign currencies
d. Property loans
88,821
9. Investments in shares
2,745,740
10. Temporary investment
11. Commitments and contingencies
a. Rupiah
297,673
b. Foreign currencies
157,226
12. Repossessed assets
II. THIRD PARTIES
1. Placements with other banks
21,532,983
a. Rupiah
31,333,622
b. Foreign currencies
2. Spot and derivative receivables
38,759
a. Rupiah
904
b. Foreign currencies
3. Securities
77,333,099
a. Rupiah
7,810,752
b. Foreign currencies
4. Securities sold with agreement to repurchase (Repo)
5,457,684
a. Rupiah
b. Foreign currencies
5. Securities purchased with agreement to resell (Reverse Repo)
1,528,551
a. Rupiah
b. Foreign currencies
7,817,699
6. Acceptances receivables
7. Other receivable - trade transaction
2,671,959
a. Rupiah
4,609,362
b. Foreign currencies
8. Loans
54,330,454
a. Micro, small and medium loans (UMKM)
53,979,870
i. Rupiah
350,584
ii. Foreign currencies
295,934,902
b. Non UMKM
246,412,846
i. Rupiah
49,522,056
ii. Foreign currencies
7,353,927
c. Restructured loans
3,919,530
i. Rupiah
3,434,397
ii. Foreign currencies
31,795,685
d. Property loans
1,955
9. Investments in shares
10. Temporary investment
11. Administrative account transaction
89,087,543
a. Rupiah
b. Foreign currencies
48,790,908
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
Sub
Standard
-
-
536,267
-
30,205
85,622
423,181
3,370,997
1,765,844
9,922,731
15,140
69,912
11,096
3,002,621
79,391
1,408,075
8,654,481
32,450
96,120
3,950,959
2,019,318
12,785,639
78,668
3,498,776
34,932
1,636,422
10,761,474
5,349
-
2,594
-
102,185
-
10,684
-
-
-
-
4,407
-
12,129
1,855,283
138,659
5,035
259,209
18,393
3,316,353
336,283
3,976,038
(3,732,235)
9,820,993
20,814
1,601,277
48,543
225,232
1,291
2,910,382
373,551
3,470,797
(3,531,979)
8,025,862
10,707
2,307,526
169,962
5,035
259,209
17,945
4,205,608
388,924
5,318,538
(6,158,450)
10,765,733
93,722
1,673,327
18,851
48,543
225,232
3,645,154
435,588
4,605,966
(4,976,409)
9,212,774
2,996
31,056
34,052
9,855,045
(152)
156,788
156,636
8,182,498
2,996
108,699
111,695
10,877,428
2,541
196,277
198,818
9,411,592
(1,117,075)
(798,192)
(917,961)
(752,181)
(1,469,181)
(799,438)
(1,254,894)
(751,863)
8,608,809
7,404,835
6,512,356
62,398
(722,097)
144,420
(515,279)
(4,788)
156,080
(31,154)
120,138
61,911
(730,180)
146,036
(522,233)
-
-
-
-
-
-
355.46
306.30
STATEMENTS OF CALCULATION OF CAPITAL ADEQUACY RATIO
COMMERCIAL BANK
(In Millions of Rupiah) As at 30 June 2013 and 2012
Loss
-
Total
-
Current
211
75,191
Special
Mention
708,834
No.
Sub
Standard
-
Doubtful
-
Loss
I.
Total
-
-
708,834
-
-
-
-
2
-
-
-
-
-
-
-
150,630
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
665
665
665
-
-
474,227
-
3
3
3
27,469
-
3,777,603
3,658,603
119,000
89,489
3,247,436
-
743
743
3,842,991
3,736,553
106,438
4,593
2,883,269
-
-
-
-
2,278
-
743
743
3,842,991
3,736,553
106,438
4,593
2,885,547
-
-
-
-
-
297,673
157,226
-
120,081
67,358
-
-
-
-
-
120,081
67,358
-
-
-
-
55,832
21,532,983
31,389,454
16,983,052
26,029,333
-
-
-
73,423
16,983,052
26,102,756
-
-
-
-
38,759
904
113,443
738
-
-
-
-
113,443
738
-
-
-
86,672
10,850
77,419,771
7,821,602
81,409,171
2,950,416
-
-
-
86,310
10,157
81,495,481
2,960,573
-
-
-
-
5,457,684
-
2,578,731
-
-
-
-
-
2,578,731
-
9,617
-
-
194
1,528,551
7,827,510
10,581,813
8,404,001
9,830
-
-
-
10,581,813
8,413,831
-
-
145,944
689,507
2,867,407
5,660,826
1,753,791
2,772,925
40,791
366,961
-
-
145,944
652,514
1,940,526
3,792,400
257,772
257,772
295,690
288,008
7,682
143,893
143,893
80,515
-
509,174
509,174
385,318
374,386
10,932
237,340
237,340
60,703
2,922
1,386,258
1,386,258
3,845,826
2,659,117
1,186,709
952,550
663,140
289,410
302,804
-
60,155,330
59,788,154
367,176
311,270,996
258,467,191
52,803,805
12,141,148
6,496,347
5,644,801
35,276,747
1,955
2,922
43,260,847
42,923,837
337,010
241,611,233
200,021,994
41,589,239
9,009,555
5,030,662
3,978,893
19,482,401
1,955
-
2,915,903
2,890,300
25,603
9,137,250
7,229,908
1,907,342
4,139,658
2,437,768
1,701,890
2,444,939
-
233,671
233,671
872,621
597,584
275,037
717,810
442,822
274,988
70,828
-
306,143
306,143
537,991
523,375
14,616
20,390
20,390
71,097
367
846,111
846,111
3,267,258
2,048,441
1,218,817
438,768
311,123
127,645
265,232
-
47,562,675
47,200,062
362,613
255,426,353
210,421,302
45,005,051
14,326,181
8,242,765
6,083,416
22,334,497
1,955
367
553,850
163,927
-
46,066
1,588
-
2,021
-
36,766
8,276
19,815
89,726,246
48,964,699
19,815
37,218,809
31,569,584
-
207,354
137,649
-
425
-
77
-
41,779
8,970
120,030
37,468,444
31,716,203
120,030
15,185,813
14,660,372
16.03%
6.57%
46.04%
42.90%
13,868,648
12,408,142
15.50%
6.16%
42.31%
39.39%
10,631,447
946,847
1,600,659
-
12,701,635
1,430,212
2,368,789
-
(In Millions of Rupiah)
30 June 2012
Required Allowance for
Possible Losses on Earning Assets
General
Spesific
177,519
316
106,250
15,286
78,177
72,813
5,464,336
50
596,595
55,832
97,522
675
856,024
7,469,528
264,583
1,461
67,402
Allowance for Impairment
Individual
73,423
122,408
6,885
1,114,948
8,376,394
2,511
183
140,383
(3,727)
255,067
(31,154)
220,186
DIVIDEND
EARNING PER SHARE
-
26,437
5,871
28,889
26,820
5,155,773
12,936
528,342
-
TRANSFER INCOME (LOSSES) TO HEAD OFFICE
49,504
361,957
55,832
133,339
78,050
1,177,145
8,436,209
59,987
1,461
193,632
536,267
-
7,367,058
257,963
7,625,021
30 June 2013
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
514,647
-
7,771,777
314,799
8,086,576
As at 30 June 2013 and 2012
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
5,785,065
6,632,494
6,632,494
-
Collective
6,627,189
7,424,499
7,424,499
-
Allowance for Impairment
5,122,502
7,146,872
257,963
7,404,835
3,671,672
3,655,080
16,592
10,809,260
8,732,834
2,076,426
3,453,438
1,532,444
1,920,994
3,037,040
-
Individual
6,190,496
7,625,021
* ) Statement of Assets' Quality as at 30 June 2013 are presented to comply with PBI No. 14/15/PBI/2012 dated 24 October 2012 regarding Assets Quality for Commercial Bank.
DESCRIPTION
20,222,180
18,946,883
1,275,297
7,131,583
6,924,885
206,698
13,090,597
3,025,208
1,926,622
1,098,586
14,189,183
8,294,010
314,799
8,608,809
ALLOWANCES FOR IMPAIRMENT
No.
23,114,382
21,711,928
1,402,454
7,513,684
7,243,711
269,973
15,600,698
3,466,342
2,142,857
1,323,485
16,924,183
8,086,576
30 June 2012
Doubtful
17,547,087
16,346,248
1,200,839
5,989,246
5,790,537
198,709
11,557,841
11,557,841
6,512,356
6,512,356
BANK
Special
Mention
30 June 2012
6,632,494
30 June 2013*)
Current
30 June 2013
7,939,778
7,939,778
As at 30 June 2013 and 2012
Collective
55,471
76,995
31,091
15,003
3,993,336
45,457
Required Allowance for
Possible Losses on Earning Assets
General
Spesific
196,047
964
70,580
25,787
84,040
45,267
3,891,331
50
548,503
73,423
96,467
492
818,846
7,102,387
2,278
183
43,272
Notes :
1) Presentation of the above Published Financial Statements as at and for six months ended 30 June 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 six months ended 30 June 2012 have been reclassified to conform with the presentation of Consolidated Financial Statements
as at and for six months ended 30 June 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 June 2013, 30 June 2012 and 31 December 2012 were Rp9,925.00; Rp9,392.50 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.
As at 30 June 2013 and 31 December 2012
(In Millions of Rupiah)
BANK
7,424,499
STATEMENTS OF ASSETS’ QUALITY AND OTHER INFORMATION
DESCRIPTION
30 June 2012
7,939,778
STATEMENTS OF COMMITMENTS AND CONTINGENCIES
CONSOLIDATED
19,876,850
18,558,494
1,318,356
6,323,622
6,055,591
268,031
13,553,228
13,553,228
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
47,677
(506,069)
96,620
-
2,333,333
2,050,894
DESCRIPTION
30 June 2013
180,280
33,837
779,222
(286,749)
3,123,338
14,648,646
591,444,085
5,129,472
8,153,759
1,626,569
No.
31 December 2012
(Audited)
BANK
* ) 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 June 2013
BANK
30 June 2012
CONSOLIDATED
BANK
CONSOLIDATED
61,294,930
11,666,667
51,223,085
51,497,332
17,195,760
2,333,333
2,050,894
25,413,268
4,368,985
135,092
-
66,612,484
11,666,667
55,274,344
55,561,653
17,195,760
2,333,333
2,050,894
29,325,353
4,546,724
109,589
-
51,042,746
11,666,667
40,819,802
41,211,748
17,195,760
2,333,333
547,000
17,424,892
3,632,269
78,494
-
55,238,986
11,666,667
43,822,791
44,236,799
17,195,760
2,333,333
547,000
20,158,271
3,949,368
53,067
-
(274,247)
-
(287,309)
-
(391,946)
-
(414,008)
-
-
-
-
-
-
-
-
-
-
-
-
-
(274,247)
(287,309)
(391,946)
(414,008)
(1,594,822)
(1,594,822)
-
(632,829)
(117,741)
(515,088)
304,302
(1,443,723)
(1,443,723)
-
(541,914)
(105,666)
(436,248)
291,442
7,416,605
6,161,729
1,371,121
4,790,608
9,032,577
6,697,967
1,371,121
5,326,846
7,970,528
5,316,875
1,371,121
3,945,754
9,397,555
5,736,426
1,371,121
4,365,305
2,849,698
2,849,698
(1,594,822)
(1,594,822)
-
2,849,698
2,849,698
(515,088)
(515,088)
-
4,097,376
4,097,376
(1,443,723)
(1,443,723)
-
4,097,376
4,097,376
(436,247)
(436,247)
-
-
-
-
-
68,711,535
75,645,061
59,013,274
64,636,541
68,711,535
383,248,592
57,671,278
1,072,285
75,645,061
426,147,709
67,581,862
886,610
59,013,274
315,660,337
48,384,624
1,434,351
64,636,541
349,224,377
55,735,767
1,646,909
15.58%
15.32%
16.21%
15.96%
15.55%
15.29%
16.15%
15.90%
SHAREHOLDER
No.
DESCRIPTION
30 June 2013
I.
COMMITMENT RECEIVABLES
1. Unused fund borrowings facilities
a. Rupiah
b. Foreign currencies
2. Outstanding purchase position on spot and derivative
3. Others
1,388,561
-
II.
COMMITMENT PAYABLES
1. Unused loan facilities granted to customer
a. BUMN
i. Committed
- Rupiah
4,764,565
- Foreign currencies
312,439
ii. Uncommitted
- Rupiah
8,623,096
- Foreign currencies
494,768
b. Others
i. Committed
19,174,886
ii. Uncommitted
45,605,304
2. Unused loan facilities granted to other banks
a. Committed
i. Rupiah
88,778
ii. Foreign currencies
b. Uncommitted
i. Rupiah
79,598
ii. Foreign currencies
3. Outstanding irrevocable letters of credit
a. Foreign L/C
8,578,763
b. Local L/C
2,480,213
158,264
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
CONSOLIDATED
31 December 2012 30 June 2013 31 December 2012
(Audited)
(Audited)
93,280
-
1,391,286
-
99,522
-
10,555,252
429,736
4,764,565
312,439
10,555,252
429,736
9,889,235
455,415
8,623,096
494,768
9,889,235
455,415
18,317,538
41,783,658
19,179,301
46,411,000
18,326,668
43,538,037
68,373
-
88,778
-
68,373
-
134,788
-
79,598
-
134,788
-
9,513,676
2,378,427
121,232
-
8,658,838
2,484,257
160,986
-
9,575,542
2,389,196
127,464
-
366,838
12,809,890
251,694
9,916,800
369,241
12,812,468
254,097
9,919,327
6,087,876
51,949
32,729
5,669,484
51,949
32,729
6,093,432
388,015
32,729
5,674,413
234,732
32,729
18,619,137
30,324,297
169,418
22,329,910
25,951,138
247,777
18,769,843
30,419,650
169,418
22,541,654
26,057,908
247,777
STATEMENTS OF CASH FLOWS
For the Periods Ended 30 June 2013 and 2012
(In Millions of Rupiah)
CONSOLIDATED
DESCRIPTION
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
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
30 June 2013
30 June 2012
22,781,871
5,289,357
(7,982,908)
16,703,842
(16,017,394)
1,224,554
159,288
(930,439)
(4,667,501)
(3,908,353)
111,696
12,764,013
20,218,985
4,639,849
(7,668,490)
34,547,032
(33,767,496)
791,136
148,241
(1,141,116)
(3,804,759)
(3,331,256)
233,639
10,865,765
(1,082,520)
358,846
(1,682,339)
(39,982,570)
12,559,737
(1,021,167)
(218,660)
(1,232,080)
(147,349)
(2,736,836)
1,562,768
(4,815,176)
1,245,623
90,810
(37,486,102)
1,785,426
(26,796)
(52,645)
(120,459)
(371,774)
(1,625,714)
2,300,477
(80,846)
3,251,978
21,600,126
284,243
(285,333)
(113,596)
(3,477,112)
2,486,698
(6,330,530)
7,741,411
3,514,875
7,349,453
127,726
(347,240)
(1,601,116)
1,367,564
1,556
969,380
2,822,629
6,601,566
(26,197)
1,837,766
(1,410,776)
(15,987,629)
(4,971,588)
(2,255,529)
(1,753)
(41,667)
(255,874)
(61,829)
(189,567)
(7,777,807)
(29,109)
(1,955,004)
670
3,227
(229,306)
(38,653)
8,938
(2,239,237)
265,670
(261,277)
(13,478)
4,689,905
-
(589,644)
(1,758,972)
(12,562)
2,585,536
10,470
(4,651,220) (2,940,883)
29,600
(2,706,055)
(1,146,641) (20,932,921)
111,307,954 108,653,748
110,161,313
87,720,827
12,248,288
40,909,033
10,709,030
46,284,994
9,968
110,161,313
11,377,060
33,580,659
7,542,272
35,195,952
24,884
87,720,827
(993,593)
(337,366)
(407,616)
(146,425)
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
STATEMENTS OF CALCULATION OF FINANCIAL RATIOS
As at 30 June 2013 and 2012
(In %)
BANK
No.
RATIOS
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
30 June 2013
30 June 2012
15.55%
16.15%
1.25%
1.51%
2.81%
1.77%
0.38%
3.47%
25.60%
5.42%
62.32%
82.75%
1.38%
1.51%
2.98%
1.95%
0.44%
3.35%
25.19%
5.38%
64.60%
81.42%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
8.00%
10.07%
0.86%
8.00%
8.20%
1.30%
STATEMENTS OF SPOT AND DERIVATIVE TRANSACTIONS
Ultimate Shareholder :
As at 30 June 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
- Commissioner
Board of Directors
- President Director
- Deputy President Director
- Director
- Director
- Director
- Director
- Director
- Director
- Director
- Director
- Director
:
:
:
:
:
:
:
:
Edwin Gerungan
Wahyu Hidayat
Pradjoto
Gunarni Soeworo
Krisna Wijaya
Agus Suprijanto
Rudi Rubiandini
Abdul Aziz
:
:
:
:
:
:
:
:
:
:
:
Budi Gunadi Sadikin **)
Riswinandi
Abdul Rachman
Sentot A. Sentausa
Ogi Prastomiyono
Pahala N. Mansury
Fransisca N. Mok
Sunarso
Kresno Sediarsi
Royke Tumilaar
Hery Gunardi ***)
*) The Annual General Meeting of Shareholders' on 2 April 2013 has honorably discharged Muchayat and Cahyana Ahmadjayadi, and appointed
Agus Suprijanto, Rudi Rubiandini and Abdul Azis as Commissioner, which will be effective after obtaining approval from Bank Indonesia
on the fit and proper test.
**) The Annual General Meeting of Shareholders' on 2 April 2013 has honorably discharged Zulkifli Zaini as President Director of the company
and appointed Budi Gunadi Sadikin's position from Director become the President Director of the company which will be effective after
obtaining approval from Bank Indonesia on the fit and proper test.
***) The Annual General Meeting of Shareholders’ on 2 April 2013 has appointed Hery Gunardi as a Director effectively based on approval from
Bank Indonesia on the fit and proper test regarding Circular Letter of Bank Indonesia No. 15/16/GBI/DPIP/Rahasia dated 27 June 2013.
TRANSACTION
Notional Amount
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
Derivative Receivables & Payables
Type
Trading
Hedging
Receivables
Payables
4,117,086
2,148,965
3,623,213
566,411
493,873
1,582,554
7,112
10,264
5,543
8,744
29,546,714
-
28,188,538
-
1,358,176
-
21,177
-
107,877
-
-
-
-
-
-
7,550,000
-
-
7,550,000
-
1,112
-
18,219
-
43,362,765
32,378,162
10,984,603
39,665
140,383
Jakarta, 30 July 2013
S. E & O
Board of Directors
PT Bank Mandiri (Persero) Tbk.
Riswinandi
Deputy President Director
Pahala N. Mansury
Director
PT Bank M andiri (Persero) Tbk. and Subsidiaries
STATEMENTS OF FINANCIAL POSITION
As at 30 June 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 June 2013 and 2012
(In Millions of Rupiah)
BANK
DESCRIPTION
30 June 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 June 2013
11,331,798
73,670,206
17,807,728
39,665
14,131,136
69,830,072
19,262,173
93,280
12,248,288
78,964,143
20,247,081
40,050
15,286,190
75,286,859
20,960,551
93,291
1,516,871
59,579,220
24,285,121
10,791
5,457,684
1,528,551
7,827,510
1,785,047
59,104,726
24,182,676
10,817
14,322,362
7,957,512
3,766,956
59,871,432
26,033,725
10,791
5,457,684
1,955,498
7,827,510
4,130,708
59,428,193
26,073,041
10,817
14,515,235
7,957,512
375,203,929
3,252,313
-
339,973,690
3,218,075
-
423,241,476
4,896,856
9,103
12,641,838
384,581,706
3,919,146
7,350
11,034,239
(139,210)
(13,591,982)
(1,454,621)
1,862,582
(1,224,226)
10,519,236
(4,501,099)
(124,870)
(12,740,561)
(1,284,357)
1,829,609
(1,173,596)
10,410,946
(4,226,501)
(281,760)
(15,008,979)
(1,519,876)
2,146,421
(1,274,493)
12,162,459
(5,320,916)
(268,841)
(14,011,350)
(1,361,841)
2,074,593
(1,213,891)
11,940,765
(4,938,075)
180,046
19,815
776,922
180,046
19,815
779,222
180,280
33,837
776,922
(283,905)
3,777,111
12,070,531
563,105,056
(299,812)
548,107
3,316,048
19,502,469
672,173,138
(296,967)
329,447
3,966,613
15,120,078
635,618,708
107,219,012
185,996,087
158,059,985
375
23,677,937
140,383
4,689,905
7,827,510
564
107,829,706
182,784,459
144,844,747
755
14,118,879
121,232
7,957,512
564
113,015,736
206,572,817
182,781,469
375
23,713,818
140,383
4,689,905
7,827,510
1,668,297
113,911,014
202,216,209
166,786,895
755
14,320,656
121,232
7,957,512
1,250,364
5,142,950
8,701,422
1,872,976
5,124,472
11,586,460
1,626,569
5,137,950
11,608,077
1,872,976
7,793,304
(7,739,093)
15,443,850
518,019,619
4,226,590
(4,059,287)
18,911,364
492,453,869
7,793,304
(7,739,093)
12,641,838
21,267,714
592,711,574
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)
-
17,195,760
-
17,195,760
-
17,195,760
-
17,195,760
-
135,092
(1,250,854)
245,578
-
72,694
(528,757)
101,158
-
109,588
(1,236,250)
242,657
-
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 Expenses and Sharia Expenses
a. Rupiah
b. Foreign currencies
Net Interest Income and Sharia Income (Expenses)
3. Premium Income
4. Claim Expenses
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)
PROFIT (LOSS) AFTER INCOME TAX - NET
2,333,333
547,000
2,333,333
2,050,894
2,333,333
547,000
33,108,218
7,939,778
73,424,466
73,424,466
591,444,085
24,961,431
14,301,901
70,651,187
70,651,187
563,105,056
37,041,727
8,294,010
77,698,386
1,763,178
79,461,564
672,173,138
27,695,065
15,504,067
74,580,120
1,952,745
76,532,865
635,618,708
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
I.
RELATED PARTIES
1. Placements with other banks
a. Rupiah
211
b. Foreign currencies
75,191
2. Spot and derivative receivables
a. Rupiah
b. Foreign currencies
2
3. Securities
a. Rupiah
150,630
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
3,776,935
i. Rupiah
3,657,935
ii. Foreign currencies
119,000
c. Restructured loans
i. Rupiah
ii. Foreign currencies
d. Property loans
88,821
9. Investments in shares
2,745,740
10. Temporary investment
11. Commitments and contingencies
a. Rupiah
297,673
b. Foreign currencies
157,226
12. Repossessed assets
II. THIRD PARTIES
1. Placements with other banks
21,532,983
a. Rupiah
31,333,622
b. Foreign currencies
2. Spot and derivative receivables
38,759
a. Rupiah
904
b. Foreign currencies
3. Securities
77,333,099
a. Rupiah
7,810,752
b. Foreign currencies
4. Securities sold with agreement to repurchase (Repo)
5,457,684
a. Rupiah
b. Foreign currencies
5. Securities purchased with agreement to resell (Reverse Repo)
1,528,551
a. Rupiah
b. Foreign currencies
7,817,699
6. Acceptances receivables
7. Other receivable - trade transaction
2,671,959
a. Rupiah
4,609,362
b. Foreign currencies
8. Loans
54,330,454
a. Micro, small and medium loans (UMKM)
53,979,870
i. Rupiah
350,584
ii. Foreign currencies
295,934,902
b. Non UMKM
246,412,846
i. Rupiah
49,522,056
ii. Foreign currencies
7,353,927
c. Restructured loans
3,919,530
i. Rupiah
3,434,397
ii. Foreign currencies
31,795,685
d. Property loans
1,955
9. Investments in shares
10. Temporary investment
11. Administrative account transaction
89,087,543
a. Rupiah
b. Foreign currencies
48,790,908
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
Sub
Standard
-
-
536,267
-
30,205
85,622
423,181
3,370,997
1,765,844
9,922,731
15,140
69,912
11,096
3,002,621
79,391
1,408,075
8,654,481
32,450
96,120
3,950,959
2,019,318
12,785,639
78,668
3,498,776
34,932
1,636,422
10,761,474
5,349
-
2,594
-
102,185
-
10,684
-
-
-
-
4,407
-
12,129
1,855,283
138,659
5,035
259,209
18,393
3,316,353
336,283
3,976,038
(3,732,235)
9,820,993
20,814
1,601,277
48,543
225,232
1,291
2,910,382
373,551
3,470,797
(3,531,979)
8,025,862
10,707
2,307,526
169,962
5,035
259,209
17,945
4,205,608
388,924
5,318,538
(6,158,450)
10,765,733
93,722
1,673,327
18,851
48,543
225,232
3,645,154
435,588
4,605,966
(4,976,409)
9,212,774
2,996
31,056
34,052
9,855,045
(152)
156,788
156,636
8,182,498
2,996
108,699
111,695
10,877,428
2,541
196,277
198,818
9,411,592
(1,117,075)
(798,192)
(917,961)
(752,181)
(1,469,181)
(799,438)
(1,254,894)
(751,863)
8,608,809
7,404,835
6,512,356
62,398
(722,097)
144,420
(515,279)
(4,788)
156,080
(31,154)
120,138
61,911
(730,180)
146,036
(522,233)
-
-
-
-
-
-
355.46
306.30
STATEMENTS OF CALCULATION OF CAPITAL ADEQUACY RATIO
COMMERCIAL BANK
(In Millions of Rupiah) As at 30 June 2013 and 2012
Loss
-
Total
-
Current
211
75,191
Special
Mention
708,834
No.
Sub
Standard
-
Doubtful
-
Loss
I.
Total
-
-
708,834
-
-
-
-
2
-
-
-
-
-
-
-
150,630
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
665
665
665
-
-
474,227
-
3
3
3
27,469
-
3,777,603
3,658,603
119,000
89,489
3,247,436
-
743
743
3,842,991
3,736,553
106,438
4,593
2,883,269
-
-
-
-
2,278
-
743
743
3,842,991
3,736,553
106,438
4,593
2,885,547
-
-
-
-
-
297,673
157,226
-
120,081
67,358
-
-
-
-
-
120,081
67,358
-
-
-
-
55,832
21,532,983
31,389,454
16,983,052
26,029,333
-
-
-
73,423
16,983,052
26,102,756
-
-
-
-
38,759
904
113,443
738
-
-
-
-
113,443
738
-
-
-
86,672
10,850
77,419,771
7,821,602
81,409,171
2,950,416
-
-
-
86,310
10,157
81,495,481
2,960,573
-
-
-
-
5,457,684
-
2,578,731
-
-
-
-
-
2,578,731
-
9,617
-
-
194
1,528,551
7,827,510
10,581,813
8,404,001
9,830
-
-
-
10,581,813
8,413,831
-
-
145,944
689,507
2,867,407
5,660,826
1,753,791
2,772,925
40,791
366,961
-
-
145,944
652,514
1,940,526
3,792,400
257,772
257,772
295,690
288,008
7,682
143,893
143,893
80,515
-
509,174
509,174
385,318
374,386
10,932
237,340
237,340
60,703
2,922
1,386,258
1,386,258
3,845,826
2,659,117
1,186,709
952,550
663,140
289,410
302,804
-
60,155,330
59,788,154
367,176
311,270,996
258,467,191
52,803,805
12,141,148
6,496,347
5,644,801
35,276,747
1,955
2,922
43,260,847
42,923,837
337,010
241,611,233
200,021,994
41,589,239
9,009,555
5,030,662
3,978,893
19,482,401
1,955
-
2,915,903
2,890,300
25,603
9,137,250
7,229,908
1,907,342
4,139,658
2,437,768
1,701,890
2,444,939
-
233,671
233,671
872,621
597,584
275,037
717,810
442,822
274,988
70,828
-
306,143
306,143
537,991
523,375
14,616
20,390
20,390
71,097
367
846,111
846,111
3,267,258
2,048,441
1,218,817
438,768
311,123
127,645
265,232
-
47,562,675
47,200,062
362,613
255,426,353
210,421,302
45,005,051
14,326,181
8,242,765
6,083,416
22,334,497
1,955
367
553,850
163,927
-
46,066
1,588
-
2,021
-
36,766
8,276
19,815
89,726,246
48,964,699
19,815
37,218,809
31,569,584
-
207,354
137,649
-
425
-
77
-
41,779
8,970
120,030
37,468,444
31,716,203
120,030
15,185,813
14,660,372
16.03%
6.57%
46.04%
42.90%
13,868,648
12,408,142
15.50%
6.16%
42.31%
39.39%
10,631,447
946,847
1,600,659
-
12,701,635
1,430,212
2,368,789
-
(In Millions of Rupiah)
30 June 2012
Required Allowance for
Possible Losses on Earning Assets
General
Spesific
177,519
316
106,250
15,286
78,177
72,813
5,464,336
50
596,595
55,832
97,522
675
856,024
7,469,528
264,583
1,461
67,402
Allowance for Impairment
Individual
73,423
122,408
6,885
1,114,948
8,376,394
2,511
183
140,383
(3,727)
255,067
(31,154)
220,186
DIVIDEND
EARNING PER SHARE
-
26,437
5,871
28,889
26,820
5,155,773
12,936
528,342
-
TRANSFER INCOME (LOSSES) TO HEAD OFFICE
49,504
361,957
55,832
133,339
78,050
1,177,145
8,436,209
59,987
1,461
193,632
536,267
-
7,367,058
257,963
7,625,021
30 June 2013
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
514,647
-
7,771,777
314,799
8,086,576
As at 30 June 2013 and 2012
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
5,785,065
6,632,494
6,632,494
-
Collective
6,627,189
7,424,499
7,424,499
-
Allowance for Impairment
5,122,502
7,146,872
257,963
7,404,835
3,671,672
3,655,080
16,592
10,809,260
8,732,834
2,076,426
3,453,438
1,532,444
1,920,994
3,037,040
-
Individual
6,190,496
7,625,021
* ) Statement of Assets' Quality as at 30 June 2013 are presented to comply with PBI No. 14/15/PBI/2012 dated 24 October 2012 regarding Assets Quality for Commercial Bank.
DESCRIPTION
20,222,180
18,946,883
1,275,297
7,131,583
6,924,885
206,698
13,090,597
3,025,208
1,926,622
1,098,586
14,189,183
8,294,010
314,799
8,608,809
ALLOWANCES FOR IMPAIRMENT
No.
23,114,382
21,711,928
1,402,454
7,513,684
7,243,711
269,973
15,600,698
3,466,342
2,142,857
1,323,485
16,924,183
8,086,576
30 June 2012
Doubtful
17,547,087
16,346,248
1,200,839
5,989,246
5,790,537
198,709
11,557,841
11,557,841
6,512,356
6,512,356
BANK
Special
Mention
30 June 2012
6,632,494
30 June 2013*)
Current
30 June 2013
7,939,778
7,939,778
As at 30 June 2013 and 2012
Collective
55,471
76,995
31,091
15,003
3,993,336
45,457
Required Allowance for
Possible Losses on Earning Assets
General
Spesific
196,047
964
70,580
25,787
84,040
45,267
3,891,331
50
548,503
73,423
96,467
492
818,846
7,102,387
2,278
183
43,272
Notes :
1) Presentation of the above Published Financial Statements as at and for six months ended 30 June 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 six months ended 30 June 2012 have been reclassified to conform with the presentation of Consolidated Financial Statements
as at and for six months ended 30 June 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 June 2013, 30 June 2012 and 31 December 2012 were Rp9,925.00; Rp9,392.50 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.
As at 30 June 2013 and 31 December 2012
(In Millions of Rupiah)
BANK
7,424,499
STATEMENTS OF ASSETS’ QUALITY AND OTHER INFORMATION
DESCRIPTION
30 June 2012
7,939,778
STATEMENTS OF COMMITMENTS AND CONTINGENCIES
CONSOLIDATED
19,876,850
18,558,494
1,318,356
6,323,622
6,055,591
268,031
13,553,228
13,553,228
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
47,677
(506,069)
96,620
-
2,333,333
2,050,894
DESCRIPTION
30 June 2013
180,280
33,837
779,222
(286,749)
3,123,338
14,648,646
591,444,085
5,129,472
8,153,759
1,626,569
No.
31 December 2012
(Audited)
BANK
* ) 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 June 2013
BANK
30 June 2012
CONSOLIDATED
BANK
CONSOLIDATED
61,294,930
11,666,667
51,223,085
51,497,332
17,195,760
2,333,333
2,050,894
25,413,268
4,368,985
135,092
-
66,612,484
11,666,667
55,274,344
55,561,653
17,195,760
2,333,333
2,050,894
29,325,353
4,546,724
109,589
-
51,042,746
11,666,667
40,819,802
41,211,748
17,195,760
2,333,333
547,000
17,424,892
3,632,269
78,494
-
55,238,986
11,666,667
43,822,791
44,236,799
17,195,760
2,333,333
547,000
20,158,271
3,949,368
53,067
-
(274,247)
-
(287,309)
-
(391,946)
-
(414,008)
-
-
-
-
-
-
-
-
-
-
-
-
-
(274,247)
(287,309)
(391,946)
(414,008)
(1,594,822)
(1,594,822)
-
(632,829)
(117,741)
(515,088)
304,302
(1,443,723)
(1,443,723)
-
(541,914)
(105,666)
(436,248)
291,442
7,416,605
6,161,729
1,371,121
4,790,608
9,032,577
6,697,967
1,371,121
5,326,846
7,970,528
5,316,875
1,371,121
3,945,754
9,397,555
5,736,426
1,371,121
4,365,305
2,849,698
2,849,698
(1,594,822)
(1,594,822)
-
2,849,698
2,849,698
(515,088)
(515,088)
-
4,097,376
4,097,376
(1,443,723)
(1,443,723)
-
4,097,376
4,097,376
(436,247)
(436,247)
-
-
-
-
-
68,711,535
75,645,061
59,013,274
64,636,541
68,711,535
383,248,592
57,671,278
1,072,285
75,645,061
426,147,709
67,581,862
886,610
59,013,274
315,660,337
48,384,624
1,434,351
64,636,541
349,224,377
55,735,767
1,646,909
15.58%
15.32%
16.21%
15.96%
15.55%
15.29%
16.15%
15.90%
SHAREHOLDER
No.
DESCRIPTION
30 June 2013
I.
COMMITMENT RECEIVABLES
1. Unused fund borrowings facilities
a. Rupiah
b. Foreign currencies
2. Outstanding purchase position on spot and derivative
3. Others
1,388,561
-
II.
COMMITMENT PAYABLES
1. Unused loan facilities granted to customer
a. BUMN
i. Committed
- Rupiah
4,764,565
- Foreign currencies
312,439
ii. Uncommitted
- Rupiah
8,623,096
- Foreign currencies
494,768
b. Others
i. Committed
19,174,886
ii. Uncommitted
45,605,304
2. Unused loan facilities granted to other banks
a. Committed
i. Rupiah
88,778
ii. Foreign currencies
b. Uncommitted
i. Rupiah
79,598
ii. Foreign currencies
3. Outstanding irrevocable letters of credit
a. Foreign L/C
8,578,763
b. Local L/C
2,480,213
158,264
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
CONSOLIDATED
31 December 2012 30 June 2013 31 December 2012
(Audited)
(Audited)
93,280
-
1,391,286
-
99,522
-
10,555,252
429,736
4,764,565
312,439
10,555,252
429,736
9,889,235
455,415
8,623,096
494,768
9,889,235
455,415
18,317,538
41,783,658
19,179,301
46,411,000
18,326,668
43,538,037
68,373
-
88,778
-
68,373
-
134,788
-
79,598
-
134,788
-
9,513,676
2,378,427
121,232
-
8,658,838
2,484,257
160,986
-
9,575,542
2,389,196
127,464
-
366,838
12,809,890
251,694
9,916,800
369,241
12,812,468
254,097
9,919,327
6,087,876
51,949
32,729
5,669,484
51,949
32,729
6,093,432
388,015
32,729
5,674,413
234,732
32,729
18,619,137
30,324,297
169,418
22,329,910
25,951,138
247,777
18,769,843
30,419,650
169,418
22,541,654
26,057,908
247,777
STATEMENTS OF CASH FLOWS
For the Periods Ended 30 June 2013 and 2012
(In Millions of Rupiah)
CONSOLIDATED
DESCRIPTION
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
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
30 June 2013
30 June 2012
22,781,871
5,289,357
(7,982,908)
16,703,842
(16,017,394)
1,224,554
159,288
(930,439)
(4,667,501)
(3,908,353)
111,696
12,764,013
20,218,985
4,639,849
(7,668,490)
34,547,032
(33,767,496)
791,136
148,241
(1,141,116)
(3,804,759)
(3,331,256)
233,639
10,865,765
(1,082,520)
358,846
(1,682,339)
(39,982,570)
12,559,737
(1,021,167)
(218,660)
(1,232,080)
(147,349)
(2,736,836)
1,562,768
(4,815,176)
1,245,623
90,810
(37,486,102)
1,785,426
(26,796)
(52,645)
(120,459)
(371,774)
(1,625,714)
2,300,477
(80,846)
3,251,978
21,600,126
284,243
(285,333)
(113,596)
(3,477,112)
2,486,698
(6,330,530)
7,741,411
3,514,875
7,349,453
127,726
(347,240)
(1,601,116)
1,367,564
1,556
969,380
2,822,629
6,601,566
(26,197)
1,837,766
(1,410,776)
(15,987,629)
(4,971,588)
(2,255,529)
(1,753)
(41,667)
(255,874)
(61,829)
(189,567)
(7,777,807)
(29,109)
(1,955,004)
670
3,227
(229,306)
(38,653)
8,938
(2,239,237)
265,670
(261,277)
(13,478)
4,689,905
-
(589,644)
(1,758,972)
(12,562)
2,585,536
10,470
(4,651,220) (2,940,883)
29,600
(2,706,055)
(1,146,641) (20,932,921)
111,307,954 108,653,748
110,161,313
87,720,827
12,248,288
40,909,033
10,709,030
46,284,994
9,968
110,161,313
11,377,060
33,580,659
7,542,272
35,195,952
24,884
87,720,827
(993,593)
(337,366)
(407,616)
(146,425)
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
STATEMENTS OF CALCULATION OF FINANCIAL RATIOS
As at 30 June 2013 and 2012
(In %)
BANK
No.
RATIOS
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
30 June 2013
30 June 2012
15.55%
16.15%
1.25%
1.51%
2.81%
1.77%
0.38%
3.47%
25.60%
5.42%
62.32%
82.75%
1.38%
1.51%
2.98%
1.95%
0.44%
3.35%
25.19%
5.38%
64.60%
81.42%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
8.00%
10.07%
0.86%
8.00%
8.20%
1.30%
STATEMENTS OF SPOT AND DERIVATIVE TRANSACTIONS
Ultimate Shareholder :
As at 30 June 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
- Commissioner
Board of Directors
- President Director
- Deputy President Director
- Director
- Director
- Director
- Director
- Director
- Director
- Director
- Director
- Director
:
:
:
:
:
:
:
:
Edwin Gerungan
Wahyu Hidayat
Pradjoto
Gunarni Soeworo
Krisna Wijaya
Agus Suprijanto
Rudi Rubiandini
Abdul Aziz
:
:
:
:
:
:
:
:
:
:
:
Budi Gunadi Sadikin **)
Riswinandi
Abdul Rachman
Sentot A. Sentausa
Ogi Prastomiyono
Pahala N. Mansury
Fransisca N. Mok
Sunarso
Kresno Sediarsi
Royke Tumilaar
Hery Gunardi ***)
*) The Annual General Meeting of Shareholders' on 2 April 2013 has honorably discharged Muchayat and Cahyana Ahmadjayadi, and appointed
Agus Suprijanto, Rudi Rubiandini and Abdul Azis as Commissioner, which will be effective after obtaining approval from Bank Indonesia
on the fit and proper test.
**) The Annual General Meeting of Shareholders' on 2 April 2013 has honorably discharged Zulkifli Zaini as President Director of the company
and appointed Budi Gunadi Sadikin's position from Director become the President Director of the company which will be effective after
obtaining approval from Bank Indonesia on the fit and proper test.
***) The Annual General Meeting of Shareholders’ on 2 April 2013 has appointed Hery Gunardi as a Director effectively based on approval from
Bank Indonesia on the fit and proper test regarding Circular Letter of Bank Indonesia No. 15/16/GBI/DPIP/Rahasia dated 27 June 2013.
TRANSACTION
Notional Amount
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
Derivative Receivables & Payables
Type
Trading
Hedging
Receivables
Payables
4,117,086
2,148,965
3,623,213
566,411
493,873
1,582,554
7,112
10,264
5,543
8,744
29,546,714
-
28,188,538
-
1,358,176
-
21,177
-
107,877
-
-
-
-
-
-
7,550,000
-
-
7,550,000
-
1,112
-
18,219
-
43,362,765
32,378,162
10,984,603
39,665
140,383
Jakarta, 30 July 2013
S. E & O
Board of Directors
PT Bank Mandiri (Persero) Tbk.
Riswinandi
Deputy President Director
Pahala N. Mansury
Director