Q4 2014 December English
STATEMENTS OF FINANCIAL POSITION
As at 31 December 2014 and 2013
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.
(In Millions of Rupiah)
BANK
DESCRIPTION
31 December 2014
(Audited)
ASSETS
Cash
Placements with Bank Indonesia
Placements with other banks
Spot and derivative receivables
Securities
a. 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. 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
STATEMENTS OF COMPREHENSIVE INCOME
For the Years Ended 31 December 2014 and 2013
(In Millions of Rupiah)
CONSOLIDATED
31 December 2013
(Audited)
31 December 2014
(Audited)
BANK
31 December 2013
(Audited)
18,719,445
83,185,965
24,227,538
75,289
17,226,616
69,819,352
23,710,890
175,947
20,704,563
93,335,143
27,463,279
75,289
19,051,934
78,521,140
24,650,787
175,947
2,442,863
66,730,393
24,644,673
7,088,104
18,528,320
13,114,059
1,470,994
61,370,553
24,945,188
13,210
5,182,903
3,103,351
10,178,370
22,381,653
67,678,009
29,406,588
7,088,104
19,786,745
13,114,059
14,866,672
62,197,173
26,518,455
13,210
5,182,903
3,737,613
10,178,370
475,266,826
4,235,368
-
416,978,030
3,159,465
-
523,101,817
6,087,987
58,672
-
467,170,449
4,644,901
7,891
-
(127,801)
(15,927,985)
(1,850,478)
2,565,198
(1,472,270)
13,716,579
(5,514,581)
(148,728)
(15,002,015)
(1,677,609)
2,178,033
(1,288,191)
11,700,899
(4,807,311)
(272,861)
(17,706,947)
(2,077,815)
3,219,982
(1,575,399)
15,487,052
(6,558,196)
(292,049)
(16,535,651)
(1,774,259)
2,514,368
(1,354,113)
13,258,249
(5,612,651)
150,039
19,815
480,606
151,090
19,815
427,009
150,272
33,537
480,606
151,323
33,838
427,009
(12,382,956)
12,484,994
(249,240)
3,803,325
23,085,124
757,039,212
(287,147)
4,093,766
15,555,697
648,250,177
(12,382,956)
12,484,994
(262,302)
783,737
4,189,120
28,764,941
855,039,673
(300,209)
619,691
4,322,498
20,724,273
733,099,762
123,042,656
229,454,611
223,828,534
17,690,236
160,038
6,112,589
13,114,059
564
116,250,862
214,128,654
169,338,524
12,658,783
230,621
4,656,149
10,178,370
564
128,067,091
252,444,999
255,870,003
17,772,200
160,038
6,112,589
13,114,059
1,924,934
123,445,524
236,510,887
196,385,250
12,669,235
231,955
4,656,149
10,178,370
1,674,299
3,761,574
21,367,445
1,849,027
4,470,615
13,996,524
2,061,958
3,746,574
24,229,054
1,849,027
4,465,615
15,999,539
2,061,958
19,326,331
659,707,664
8,729,833
(8,753,251)
17,740,655
565,688,861
17,343,799
27,560,744
750,195,111
8,729,833
(8,753,251)
12,002,997
24,050,806
644,309,166
16,000,000
(4,333,333)
-
16,000,000
(4,333,333)
-
17,476,308
-
17,476,308
-
98,192
(722,051)
139,817
-
126,010
(1,760,611)
347,529
-
16,000,000
(4,333,333)
17,316,192
203,625
(708,443)
137,095
-
16,000,000
(4,333,333)
17,316,192
221,620
(1,765,808)
348,568
-
2,333,333
4,399,179
2,333,333
2,050,894
2,333,333
4,399,179
2,333,333
2,050,894
42,511,775
19,428,328
97,331,548
97,331,548
757,039,212
33,108,218
17,212,968
82,561,316
82,561,316
648,250,177
47,438,360
19,871,873
102,657,881
2,186,681
104,844,562
855,039,673
37,044,018
18,203,753
87,419,237
1,371,359
88,790,596
733,099,762
No.
A.
1.
2.
3.
4.
B.
1.
2.
1.
2.
3.
DESCRIPTION
OPERATING INCOME AND EXPENSES
Interest and Sharia Income, Interest and Sharia Expenses and
Premium Income and Claim Expenses
Interest and Sharia Income
a. Rupiah
b. Foreign currencies
Interest and Sharia Expenses
a. Rupiah
b. Foreign currencies
Net Interest Income and Sharia Income (Expenses)
Premium Income
Claim Expense
Net Premium Income (Claim Expenses)
Net Interest and Sharia Income (Expenses) and Net Premium Income (Claim Expenses)
Other Operating Income and Expenses
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
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
Gain (Losses) from sale of premises and equipment
Gain (Losses) from foreign currencies translation
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
31 December 2014
(Audited)
13,901,688
13,330,254
15,128,442
14,759,607
2,578
1,383,388
-
1,617,223
-
146,521
1,383,388
-
1,617,223
-
183,617
177,111
561,119
8,332,048
49,122
3,212,705
24,422,885
24,514
195,462
432,714
7,579,358
27,871
3,453,112
21,562,367
234,463
204,251
9,172,074
59,642
3,928,103
30,963,330
39,116
235,876
615
8,706,027
33,854
4,126,896
27,643,320
-
2,769
-
-
219,353
-
-
-
-
-
5,833
3,798,149
103,461
18,746
563,784
7,163,504
855,085
9,051,036
(8,232,113)
21,304,334
127,836
239,295
367,131
21,671,465
1,740
5,294,726
433,518
(141,006)
709,392
10,369,554
986,272
13,309,134
(15,834,888)
25,978,106
4,121
25,788
29,909
26,008,015
5,180
4,635,551
230,711
18,746
563,784
8,995,513
989,542
11,984,940
(12,883,713)
23,551,711
101,983
408,143
510,126
24,061,837
(4,674,771)
(82,730)
(4,528,782)
70,285
(5,309,919)
(43,313)
(5,288,489)
56,586
19,428,328
17,212,968
20,654,783
18,829,934
(27,818)
1,038,560
(207,712)
803,030
53,316
(1,231,853)
246,370
(932,167)
(17,995)
1,057,365
(211,473)
827,897
173,943
(1,259,738)
251,947
(833,848)
20,231,358
16,280,801
21,482,680
17,996,086
19,428,328
19,428,328
17,212,968
17,212,968
19,871,873
782,910
20,654,783
18,203,753
626,181
18,829,934
20,231,358
20,231,358
-
16,280,801
16,280,801
-
20,699,770
782,910
21,482,680
851.66
17,369,905
626,181
17,996,086
780.16
*) 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.
STATEMENTS OF COMMITMENTS AND CONTINGENCIES
As at 31 December 2014 and 2013
(In Millions of Rupiah)
BANK
No.
CONSOLIDATED
DESCRIPTION
31 December 2014 31 December 2013 31 December 2014 31 December 2013
(Audited)
(Audited)
(Audited)
(Audited)
I.
II.
III.
COMMITMENT RECEIVABLES
1. Unused fund borrowings facilities
a. Rupiah
b. Foreign currencies
2. Outstanding purchase position on spot and derivative
3. Others
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
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
1,238,500
517,643
-
347,357
-
1,238,500
517,643
-
347,357
-
8,784,000
829,871
7,591,000
793,437
8,784,000
829,871
7,591,000
793,437
8,560,597
371,870
11,372,089
584,900
8,560,597
371,870
11,372,089
584,900
23,909,362
50,111,245
20,460,055
42,999,343
23,910,508
50,900,502
20,462,699
44,257,143
38,620
-
62,025
-
38,620
-
62,025
-
10,000
-
28,300
-
10,000
-
28,300
-
12,255,309
2,852,728
174,640
-
11,739,958
3,321,460
238,689
-
12,287,396
2,880,718
174,640
-
11,861,603
3,356,527
238,689
-
453,429
18,305,893
359,299
18,195,261
455,772
18,308,707
As at 31 December 2014 and 2013
I.
361,902
18,198,552
7,615,239
51,949
32,729
6,889,648
51,949
32,729
7,620,314
946,905
32,729
6,895,977
495,657
32,729
28,458,307
44,501,007
377,195
25,274,039
39,643,850
256,757
28,563,086
44,539,265
377,195
25,404,802
39,667,080
256,757
II.
III.
IV.
V.
VI.
VII.
VIII.
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
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)
CREDIT RISK-WEIGHTED ASSETS
OPERATIONAL RISK-WEIGHTED ASSETS
MARKET RISK-WEIGHTED ASSETS
REQUIRED MINIMUM CAPITAL ADEQUACY RATIO FOR CREDIT RISK AND OPERATIONAL RISK {II:(IV+V)}
REQUIRED MINIMUM CAPITAL ADEQUACY RATIO FOR CREDIT RISK, OPERATIONAL RISK AND MARKET RISK {III:(IV+V+VI)}
(In Millions of Rupiah)
31 December 2014 (Audited)
BANK
CONSOLIDATED
CONSOLIDATED
CASH FLOWS FROM OPERATING ACTIVITIES
Receipts from interest income and sharia income
59,752,177 48,006,235
Receipts from fees, commissions and premium - net
11,812,545 11,330,101
Payments of interest expense and sharia expense
(23,121,999) (16,258,800)
Receipts from the sale of Government Bonds - Fair value through profit or loss
26,624,838 26,689,634
Acquisition of Government Bonds - Fair value through profit or loss
(26,249,130) (26,364,288)
Foreign exchange gains/ (losses) - net
1,876,047
(1,684,990)
Other operating income - others
1,360,996
1,126,887
Other operating expenses - others
(2,912,216) (2,327,867)
Salaries and employee benefits
(10,251,940) (8,659,586)
General and administrative expenses
(10,266,219) (8,935,985)
Non operating income - net
29,909
523,356
Payment of corporate income tax
(5,716,191) (5,911,725)
Cash Flow From Operating Activities Before Changes in Operating Assets and Liabilities 22,938,817 17,532,972
Decrease/(increase) in operating assets:
Placements with Bank Indonesia and other banks
(2,321,185)
(975,057)
Marketable securities - Fair value through profit or loss
(11,765,022)
(743,827)
Other receivables - trade transactions
(4,289,584) (2,273,965)
Loans
(59,909,017) (85,610,294)
Securities purchased under resale agreements
(16,049,132) 10,777,622
Consumer financing receivable
(1,590,704)
(833,329)
Net investment in lease financing
(165,177)
(291,229)
Prepaid taxes
(1,465,433) (1,098,375)
Prepaid expense
(348,490)
(53,253)
Other assets
(1,583,311)
172,342
Proceeds from collection of financial assets already written - off
2,607,206
3,002,556
Increase/(decrease) in operating liabilities and temporary syirkah funds:
Conventional Banking
Demand deposits
4,832,745 10,098,878
Saving deposits
15,682,853 32,276,298
Time deposits
57,414,439 21,255,943
Inter-bank call money
1,611,150
953,750
Obligation due immediately
394,236
(932,101)
Liability to unit - linked policyholders
5,340,802
968,758
Other taxes payable
244,614
(211,620)
Other liabilities
3,910,075
1,523,844
Sharia Banking - Temporary Syirkah Funds
Demand deposit - restricted investment and demand deposit - mudharabah musytarakah
(4,342)
14,717
Saving deposit - restricted investment and mudharabah saving deposit - unrestricted investment
509,134
2,210,646
Mudharabah time deposit - unrestricted investment
5,097,017
4,968,241
Net cash provided by operating activities
21,091,691
12,733,517
CASH FLOWS FROM INVESTING ACTIVITIES
Increase in marketable securities - Available for sale and Held to maturity
(965,192) (6,410,209)
Increase in Government Bonds - Available for sale and Held to maturity
(3,169,133) (4,642,580)
Proceeds from sale of fixed assets
6,661
119,287
Acquisition of fixed assets
(2,250,724) (1,584,388)
Acquisition of intangible assets
(705,614)
(439,775)
Sale of investment in PT Bumi Daya Plaza shares
264,000
Sale of investment in PT Usaha Gedung Mandiri shares
132,000
Net cash used in investing activities
(7,084,002) (12,561,665)
CASH FLOWS FROM FINANCING ACTIVITIES
Decrease of investment in Subsidiaries
(36,365)
98,830
Increase in marketable securities issued
230,028
233,721
Increase in fund borrowings
8,026,295
6,688,977
Payment of Subordinated Loans
(719,041)
(672,335)
Increase in securities sold under repurchase agreements
1,456,440
4,656,149
Payments of dividends
(5,461,126) (4,651,220)
Net cash provided by financing activities
3,496,231
6,354,122
NET INCREASE IN CASH AND CASH EQUIVALENTS
17,503,920
6,525,974
EFFECT OF EXCHANGE RATE CHANGES ON CASH AND CASH EQUIVALENT
277,305
2,993,395
CASH AND CASH EQUIVALENTS AT BEGINNING OF YEAR
121,023,158 111,503,789
CASH AND CASH EQUIVALENTS AT END OF YEAR
138,804,383 121,023,158
Cash and cash equivalent at end of year consist of :
Cash
20,704,563 19,051,934
Current accounts with Bank Indonesia
50,598,840 43,904,419
Current accounts with other banks
8,986,831 14,048,075
Placements with Bank Indonesia and other banks
57,690,864 44,018,730
Certificate of Bank Indonesia
823,285
Total cash and cash equivalents
138,804,383 121,023,158
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
(571,348) (1,417,240)
Acquisition of fixed assets - payable
(949,120)
(812,181)
STATEMENTS OF CALCULATION OF FINANCIAL RATIOS
As at 31 December 2014 and 2013
(In %)
79,052,150
11,666,667
69,487,242
69,713,880
17,476,308
2,333,333
4,399,179
35,651,339
9,755,529
98,192
(226,638)
(226,638)
(2,101,759)
(2,101,759)
-
84,422,801
11,666,667
73,601,673
73,841,373
17,316,192
2,333,333
4,399,179
39,628,823
9,960,221
203,625
(239,700)
(239,700)
(1,300,731)
(117,741)
(1,182,990)
455,192
65,853,989
11,666,667
55,739,397
55,971,155
17,476,308
2,333,333
2,050,894
25,413,268
8,571,342
126,010
(231,758)
(231,758)
(1,552,075)
(1,552,075)
-
71,446,525
11,666,667
60,059,012
60,303,832
17,316,192
2,333,333
2,050,894
29,325,353
9,056,440
221,620
(244,820)
(244,820)
(628,743)
(117,741)
(511,002)
349,589
6,427,547
6,936,802
1,371,121
5,565,681
1,592,504
1,592,504
(2,101,759)
(2,101,759)
85,479,697
85,479,697
445,254,441
67,786,852
1,863,243
16.66%
16.60%
7,909,442
7,499,928
1,371,121
6,128,807
1,592,504
1,592,504
(1,182,990)
(1,182,990)
92,332,243
92,332,243
490,304,562
79,510,013
2,446,704
16.20%
16.13%
7,491,432
6,691,917
1,371,121
5,320,796
2,351,590
2,351,590
(1,552,075)
(1,552,075)
73,345,421
73,345,421
431,632,851
57,671,278
1,972,041
14.99%
14.93%
9,001,217
7,160,629
1,371,121
5,789,508
2,351,590
2,351,590
(511,002)
(511,002)
80,447,742
80,447,742
476,508,651
67,642,899
1,990,242
14.78%
14.73%
BANK
No.
RATIOS
31 December 2014 31 December 2013
(Audited)
(Audited)
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
16.60%
14.93%
1.15%
1.42%
2.61%
1.66%
0.44%
3.57%
25.81%
5.94%
64.98%
82.02%
1.17%
1.43%
2.86%
1.60%
0.37%
3.66%
27.31%
5.68%
62.41%
82.97%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
8.00%
8.49%
2.01%
8.00%
8.10%
2.40%
STATEMENTS OF SPOT AND DERIVATIVE TRANSACTIONS
As at 31 December 2014
(In Millions of Rupiah)
BANK
No.
TRANSACTION
A.
1.
2.
3.
Exchange Rate Related
Spot
Forward
Option
a. Written
b. Purchased
4. Future
5. Swap
6. Others
As at 31 December 2014 and 2013
(In Millions of Rupiah)
BANK
31 December 2014 31 December 2013*)
(Audited)
(Audited)
31 December 2013 (Audited)
BANK
STATEMENTS OF ASSETS’ QUALITY AND OTHER INFORMATION
CONSOLIDATED
* ) For comparative purposes, certain accounts in the Statement of Cash Flows for the year ended 31 December 2013 have been
reclassified to conform with the presentation of Statement of Cash flows for the year ended 31 December 2014.
STATEMENTS OF CALCULATION OF CAPITAL ADEQUACY RATIO COMMERCIAL BANK
No.
(In Millions of Rupiah)
DESCRIPTION
31 December 2013
(Audited)
50,208,842
47,029,634
3,179,208
16,399,424
15,783,269
616,155
33,809,418
6,446,149
3,820,143
2,626,006
36,435,424
Other comprehensive income current year after income tax - net
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
TRANSFER INCOME (LOSSES) TO HEAD OFFICE
DIVIDEND
EARNING PER SHARE
31 December 2014
(Audited)
62,637,942
58,331,972
4,305,970
23,505,518
22,614,551
890,967
39,132,424
9,364,287
6,683,717
2,680,570
41,812,994
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
TOTAL OTHER COMPREHENSIVE INCOME CURRENT YEAR
31 December 2013
(Audited)
43,339,930
40,338,122
3,001,808
13,803,483
13,192,293
611,190
29,536,447
29,536,447
3,992
19,369
23,361
24,185,829
For the Years Ended 31 December 2014 and 2013
CONSOLIDATED
55,092,073
50,994,855
4,097,218
20,408,408
19,522,984
885,424
34,683,665
34,683,665
4,284,203
154,181
(141,006)
709,392
8,183,968
842,983
10,389,164
(10,521,197)
24,162,468
STATEMENTS OF CASH FLOWS
Type
Notional Amount
Derivative Receivables & Payables
Trading
Hedging
2,475,779
6,918,112
2,360,422
49,092
115,357
6,869,020
Receivables
4,245
43,588
Payables
2,983
12,852
14,309,823
-
13,769,520
-
540,303
-
17,660
-
95,143
-
B. Interest Rate Related
1. Forward
2. Option
a. Written
b. Purchased
3. Future
4. Swap
5. Others
-
-
-
-
-
32,563,700
-
-
32,563,700
-
9,796
-
49,060
-
C. Others
TOTAL
56,267,414
16,179,034
40,088,380
75,289
160,038
No.
31 December 2014 (Audited)
DESCRIPTION
Current
I.
RELATED PARTIES
1. Placements with other banks
a. Rupiah
22
b. Foreign currencies
1,668,884
2. Spot and derivative receivables
a. Rupiah
b. Foreign currencies
3. Securities
a. Rupiah
256,183
b. Foreign currencies
14,700
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
28,278
7. Other receivable - Trade Transaction
a. Rupiah
b. Foreign currencies
8. Loans
a. Micro, small and medium loans (UMKM)
622
i. Rupiah
622
ii. Foreign currencies
b. Non UMKM
11,663,263
i. Rupiah
3,738,680
ii. Foreign currencies
7,924,583
c. Restructured loans
i. Rupiah
ii. Foreign currencies
d. Property loans
14,652
9. Investments in shares
3,644,451
10. Temporary investment
11. Commitments and contingencies
a. Rupiah
1,006,230
b. Foreign currencies
4,432,356
12. Repossessed assets
II. THIRD PARTIES
1. Placements with other banks
25,771,953
a. Rupiah
32,151,186
b. Foreign currencies
2. Spot and derivative receivables
65,121
a. Rupiah
10,168
b. Foreign currencies
3. Securities
76,005,220
a. Rupiah
17,454,866
b. Foreign currencies
4. Securities sold with agreement to repurchase (Repo)
7,088,104
a. Rupiah
b. Foreign currencies
5. Securities purchased with agreement to resell (Reverse Repo)
18,528,320
a. Rupiah
b. Foreign currencies
13,079,446
6. Acceptances receivables
7. Other receivable - Trade Transaction
5,596,359
a. Rupiah
5,860,461
b. Foreign currencies
8. Loans
65,749,058
a. Micro, small and medium loans (UMKM)
65,371,394
i. Rupiah
377,664
ii. Foreign currencies
370,745,908
b. Non UMKM
307,142,398
i. Rupiah
63,603,510
ii. Foreign currencies
5,887,500
c. Restructured loans
3,088,798
i. Rupiah
2,798,702
ii. Foreign currencies
25,242,969
d. Property loans
1,955
9. Investments in shares
10. Temporary investment
11. Administrative account transaction
110,884,814
a. Rupiah
b. Foreign currencies
63,300,911
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
Special
Mention
Sub
Standard
-
-
Doubtful
31 December 2013 (Audited)
Loss
-
Total
-
Current
22
1,668,884
Special
Mention
30,259
2,554,066
Sub
Standard
Doubtful
-
-
-
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
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
30,259
2,554,066
-
-
-
-
-
-
-
-
-
-
-
-
-
256,183
14,700
248,250
-
-
-
-
-
248,250
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
28,278
79,844
-
-
-
-
79,844
-
-
-
-
-
-
-
-
-
-
-
298
298
-
-
414,227
-
174,469
-
622
622
11,663,561
3,738,978
7,924,583
14,652
4,233,147
-
5,761,450
3,683,016
2,078,434
12,353
2,654,452
-
2,062
2,062
1,015
-
-
474,227
-
3
3
3
27,469
-
5,763,515
3,685,081
2,078,434
13,371
3,156,148
-
176
-
-
-
-
1,006,406
4,432,356
-
457,771
2,862,038
-
137
-
-
-
-
457,908
2,862,038
-
-
-
-
49,271
25,771,953
32,200,457
16,299,359
33,971,666
-
-
-
72,260
16,299,359
34,043,926
-
-
-
-
65,121
10,168
175,323
624
-
-
-
-
175,323
624
75,161,479
12,390,216
-
86,960
-
-
-
76,092,180
17,454,866
75,074,711
12,376,897
-
-
-
86,768
13,319
-
-
-
-
7,088,104
-
5,182,903
-
-
-
-
-
5,182,903
-
6,335
-
-
-
18,528,320
13,085,781
3,103,351
10,073,728
24,798
-
-
-
3,103,351
10,098,526
79,228
552,164
14,664
40,300
-
145,944
860,408
5,836,195
7,313,333
4,190,065
3,540,586
65,514
420,798
-
-
145,944
845,507
4,401,523
4,806,891
5,114,152
5,107,807
6,345
14,073,703
12,079,420
1,994,283
3,954,025
2,165,713
1,788,312
3,483,089
-
237,631
237,631
869,504
280,687
588,817
547,385
126,199
421,186
84,031
-
378,278
378,278
1,125,385
1,125,181
204
89,698
89,698
66,579
266
1,916,904
1,916,904
3,392,120
2,505,631
886,489
1,271,844
910,701
361,143
349,333
-
73,396,023
73,012,014
384,009
390,206,620
323,133,317
67,073,303
11,750,452
6,381,109
5,369,343
29,226,001
1,955
266
58,648,452
58,348,287
300,165
330,431,954
268,580,535
61,851,419
7,522,637
3,942,389
3,580,248
26,404,734
1,955
-
3,653,170
3,639,821
13,349
11,735,235
9,694,445
2,040,790
3,414,760
1,552,225
1,862,535
3,055,251
-
248,821
248,821
317,531
317,468
63
45,902
45,902
59,553
-
476,982
476,982
235,555
235,555
19,183
19,183
62,136
1,362
1,582,377
1,582,377
3,884,438
2,414,270
1,470,168
1,654,605
818,115
836,490
296,851
-
64,609,802
64,296,288
313,514
346,604,713
281,242,273
65,362,440
12,657,087
6,377,814
6,279,273
29,878,525
1,955
1,362
756,546
218,976
-
1,811
5,124
-
10,605
-
65,235
132
19,815
111,719,011
63,525,143
19,815
99,097,986
60,585,149
-
457,415
191,910
-
383
-
574
-
58,180
158,913
19,815
99,614,538
60,935,972
19,815
17,906,264
13,806,544
15.44%
6.89%
51.48%
48.27%
16,828,352
12,654,998
15.49%
6.56%
47.62%
44.37%
9,037,109
2,986,162
2,686,428
-
11,409,429
2,304,223
3,075,755
-
(In Millions of Rupiah)
31 December 2014 (Audited)
Required Allowance for
Allowance for Impairment
Possible Losses on Earning Assets
Individual
Collective
General
Spesific
49,271
119,442
67,033
1,585,983
9,299,586
31,851
133
172,537
47,107
8,359
39,894
29,206
6,628,399
22,610
241,783
710
159,921
131,077
114,568
4,481,589
50
877,128
31 December 2013 (Audited)
Required Allowance for
Allowance for Impairment
Possible Losses on Earning Assets
Individual
Collective
General
Spesific
49,271
13,044
317
1,046,166
7,186,333
381,582
133
88,467
SHAREHOLDER
Ultimate Shareholder
-
-
As at 31 December 2014 and 2013
DESCRIPTION
Total
-
ALLOWANCES FOR IMPAIRMENT
No.
Loss
72,260
141,819
28,092
1,428,133
9,582,174
54,218
681
189,113
37,498
6,909
35,389
21,338
5,419,841
8,694
236,386
1,607
126,480
31,034
101,536
77,306
3,948,419
50
797,205
72,260
100,087
1,240
1,015,767
6,677,563
264,582
681
77,005
MANAGEMENT OF THE BANK
Board of Commissioners
- President Commissioner
- Independent Commissioner
- Independent Commissioner
- Commissioner
- Commissioner
- Independent Commissioner
- Independent Commissioner
:
:
:
:
:
:
:
Mahmuddin Yasin
Pradjoto
Krisna Wijaya
Abdul Aziz
Askolani
Aviliani
Anton Hermanto Gunawan
Board of Directors
- Group CEO
- Deputy Group CEO
- 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
Notes :
1. Presentation of the above Published Financial Statements as at and for the years ended 31 December 2014 and 2013 are derived from the Consolidated Financial Statements of PT Bank Mandiri (Persero) Tbk. and Subsidiaries
which were audited by Public Accounting Firm KAP Tanudiredja, Wibisana, dan Rekan - a member Firm of PwC Global Network with partner in-charge : Drs. Haryanto Sahari, CPA whose report dated 2 February 2015 and 10 February
2014, respectively expressed an Unqualified Opinion.
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 Statements 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 Statements 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.
3. 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.
4. Since 2 May 2014, the Financial Statements of PT Asuransi Jiwa InHealth Indonesia has been consolidated into the Consolidated Financial Statements of PT Bank Mandiri (Persero) Tbk. and Subsidiaries upon acquisition of 60%
ownership in PT Asuransi Jiwa InHealth Indonesia by PT Bank Mandiri (Persero) Tbk.
5. Exchange rate of 1 US Dollar as at 31 December 2014 and 31 December 2013 were Rp12,385.00 and Rp12,170.00 respectively.
Jakarta, 12 February 2015
S. E & O
Board of Directors
PT Bank Mandiri (Persero) Tbk.
Budi G. Sadikin
Group CEO
Pahala N. Mansury
Director
As at 31 December 2014 and 2013
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.
(In Millions of Rupiah)
BANK
DESCRIPTION
31 December 2014
(Audited)
ASSETS
Cash
Placements with Bank Indonesia
Placements with other banks
Spot and derivative receivables
Securities
a. 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. 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
STATEMENTS OF COMPREHENSIVE INCOME
For the Years Ended 31 December 2014 and 2013
(In Millions of Rupiah)
CONSOLIDATED
31 December 2013
(Audited)
31 December 2014
(Audited)
BANK
31 December 2013
(Audited)
18,719,445
83,185,965
24,227,538
75,289
17,226,616
69,819,352
23,710,890
175,947
20,704,563
93,335,143
27,463,279
75,289
19,051,934
78,521,140
24,650,787
175,947
2,442,863
66,730,393
24,644,673
7,088,104
18,528,320
13,114,059
1,470,994
61,370,553
24,945,188
13,210
5,182,903
3,103,351
10,178,370
22,381,653
67,678,009
29,406,588
7,088,104
19,786,745
13,114,059
14,866,672
62,197,173
26,518,455
13,210
5,182,903
3,737,613
10,178,370
475,266,826
4,235,368
-
416,978,030
3,159,465
-
523,101,817
6,087,987
58,672
-
467,170,449
4,644,901
7,891
-
(127,801)
(15,927,985)
(1,850,478)
2,565,198
(1,472,270)
13,716,579
(5,514,581)
(148,728)
(15,002,015)
(1,677,609)
2,178,033
(1,288,191)
11,700,899
(4,807,311)
(272,861)
(17,706,947)
(2,077,815)
3,219,982
(1,575,399)
15,487,052
(6,558,196)
(292,049)
(16,535,651)
(1,774,259)
2,514,368
(1,354,113)
13,258,249
(5,612,651)
150,039
19,815
480,606
151,090
19,815
427,009
150,272
33,537
480,606
151,323
33,838
427,009
(12,382,956)
12,484,994
(249,240)
3,803,325
23,085,124
757,039,212
(287,147)
4,093,766
15,555,697
648,250,177
(12,382,956)
12,484,994
(262,302)
783,737
4,189,120
28,764,941
855,039,673
(300,209)
619,691
4,322,498
20,724,273
733,099,762
123,042,656
229,454,611
223,828,534
17,690,236
160,038
6,112,589
13,114,059
564
116,250,862
214,128,654
169,338,524
12,658,783
230,621
4,656,149
10,178,370
564
128,067,091
252,444,999
255,870,003
17,772,200
160,038
6,112,589
13,114,059
1,924,934
123,445,524
236,510,887
196,385,250
12,669,235
231,955
4,656,149
10,178,370
1,674,299
3,761,574
21,367,445
1,849,027
4,470,615
13,996,524
2,061,958
3,746,574
24,229,054
1,849,027
4,465,615
15,999,539
2,061,958
19,326,331
659,707,664
8,729,833
(8,753,251)
17,740,655
565,688,861
17,343,799
27,560,744
750,195,111
8,729,833
(8,753,251)
12,002,997
24,050,806
644,309,166
16,000,000
(4,333,333)
-
16,000,000
(4,333,333)
-
17,476,308
-
17,476,308
-
98,192
(722,051)
139,817
-
126,010
(1,760,611)
347,529
-
16,000,000
(4,333,333)
17,316,192
203,625
(708,443)
137,095
-
16,000,000
(4,333,333)
17,316,192
221,620
(1,765,808)
348,568
-
2,333,333
4,399,179
2,333,333
2,050,894
2,333,333
4,399,179
2,333,333
2,050,894
42,511,775
19,428,328
97,331,548
97,331,548
757,039,212
33,108,218
17,212,968
82,561,316
82,561,316
648,250,177
47,438,360
19,871,873
102,657,881
2,186,681
104,844,562
855,039,673
37,044,018
18,203,753
87,419,237
1,371,359
88,790,596
733,099,762
No.
A.
1.
2.
3.
4.
B.
1.
2.
1.
2.
3.
DESCRIPTION
OPERATING INCOME AND EXPENSES
Interest and Sharia Income, Interest and Sharia Expenses and
Premium Income and Claim Expenses
Interest and Sharia Income
a. Rupiah
b. Foreign currencies
Interest and Sharia Expenses
a. Rupiah
b. Foreign currencies
Net Interest Income and Sharia Income (Expenses)
Premium Income
Claim Expense
Net Premium Income (Claim Expenses)
Net Interest and Sharia Income (Expenses) and Net Premium Income (Claim Expenses)
Other Operating Income and Expenses
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
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
Gain (Losses) from sale of premises and equipment
Gain (Losses) from foreign currencies translation
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
31 December 2014
(Audited)
13,901,688
13,330,254
15,128,442
14,759,607
2,578
1,383,388
-
1,617,223
-
146,521
1,383,388
-
1,617,223
-
183,617
177,111
561,119
8,332,048
49,122
3,212,705
24,422,885
24,514
195,462
432,714
7,579,358
27,871
3,453,112
21,562,367
234,463
204,251
9,172,074
59,642
3,928,103
30,963,330
39,116
235,876
615
8,706,027
33,854
4,126,896
27,643,320
-
2,769
-
-
219,353
-
-
-
-
-
5,833
3,798,149
103,461
18,746
563,784
7,163,504
855,085
9,051,036
(8,232,113)
21,304,334
127,836
239,295
367,131
21,671,465
1,740
5,294,726
433,518
(141,006)
709,392
10,369,554
986,272
13,309,134
(15,834,888)
25,978,106
4,121
25,788
29,909
26,008,015
5,180
4,635,551
230,711
18,746
563,784
8,995,513
989,542
11,984,940
(12,883,713)
23,551,711
101,983
408,143
510,126
24,061,837
(4,674,771)
(82,730)
(4,528,782)
70,285
(5,309,919)
(43,313)
(5,288,489)
56,586
19,428,328
17,212,968
20,654,783
18,829,934
(27,818)
1,038,560
(207,712)
803,030
53,316
(1,231,853)
246,370
(932,167)
(17,995)
1,057,365
(211,473)
827,897
173,943
(1,259,738)
251,947
(833,848)
20,231,358
16,280,801
21,482,680
17,996,086
19,428,328
19,428,328
17,212,968
17,212,968
19,871,873
782,910
20,654,783
18,203,753
626,181
18,829,934
20,231,358
20,231,358
-
16,280,801
16,280,801
-
20,699,770
782,910
21,482,680
851.66
17,369,905
626,181
17,996,086
780.16
*) 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.
STATEMENTS OF COMMITMENTS AND CONTINGENCIES
As at 31 December 2014 and 2013
(In Millions of Rupiah)
BANK
No.
CONSOLIDATED
DESCRIPTION
31 December 2014 31 December 2013 31 December 2014 31 December 2013
(Audited)
(Audited)
(Audited)
(Audited)
I.
II.
III.
COMMITMENT RECEIVABLES
1. Unused fund borrowings facilities
a. Rupiah
b. Foreign currencies
2. Outstanding purchase position on spot and derivative
3. Others
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
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
1,238,500
517,643
-
347,357
-
1,238,500
517,643
-
347,357
-
8,784,000
829,871
7,591,000
793,437
8,784,000
829,871
7,591,000
793,437
8,560,597
371,870
11,372,089
584,900
8,560,597
371,870
11,372,089
584,900
23,909,362
50,111,245
20,460,055
42,999,343
23,910,508
50,900,502
20,462,699
44,257,143
38,620
-
62,025
-
38,620
-
62,025
-
10,000
-
28,300
-
10,000
-
28,300
-
12,255,309
2,852,728
174,640
-
11,739,958
3,321,460
238,689
-
12,287,396
2,880,718
174,640
-
11,861,603
3,356,527
238,689
-
453,429
18,305,893
359,299
18,195,261
455,772
18,308,707
As at 31 December 2014 and 2013
I.
361,902
18,198,552
7,615,239
51,949
32,729
6,889,648
51,949
32,729
7,620,314
946,905
32,729
6,895,977
495,657
32,729
28,458,307
44,501,007
377,195
25,274,039
39,643,850
256,757
28,563,086
44,539,265
377,195
25,404,802
39,667,080
256,757
II.
III.
IV.
V.
VI.
VII.
VIII.
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
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)
CREDIT RISK-WEIGHTED ASSETS
OPERATIONAL RISK-WEIGHTED ASSETS
MARKET RISK-WEIGHTED ASSETS
REQUIRED MINIMUM CAPITAL ADEQUACY RATIO FOR CREDIT RISK AND OPERATIONAL RISK {II:(IV+V)}
REQUIRED MINIMUM CAPITAL ADEQUACY RATIO FOR CREDIT RISK, OPERATIONAL RISK AND MARKET RISK {III:(IV+V+VI)}
(In Millions of Rupiah)
31 December 2014 (Audited)
BANK
CONSOLIDATED
CONSOLIDATED
CASH FLOWS FROM OPERATING ACTIVITIES
Receipts from interest income and sharia income
59,752,177 48,006,235
Receipts from fees, commissions and premium - net
11,812,545 11,330,101
Payments of interest expense and sharia expense
(23,121,999) (16,258,800)
Receipts from the sale of Government Bonds - Fair value through profit or loss
26,624,838 26,689,634
Acquisition of Government Bonds - Fair value through profit or loss
(26,249,130) (26,364,288)
Foreign exchange gains/ (losses) - net
1,876,047
(1,684,990)
Other operating income - others
1,360,996
1,126,887
Other operating expenses - others
(2,912,216) (2,327,867)
Salaries and employee benefits
(10,251,940) (8,659,586)
General and administrative expenses
(10,266,219) (8,935,985)
Non operating income - net
29,909
523,356
Payment of corporate income tax
(5,716,191) (5,911,725)
Cash Flow From Operating Activities Before Changes in Operating Assets and Liabilities 22,938,817 17,532,972
Decrease/(increase) in operating assets:
Placements with Bank Indonesia and other banks
(2,321,185)
(975,057)
Marketable securities - Fair value through profit or loss
(11,765,022)
(743,827)
Other receivables - trade transactions
(4,289,584) (2,273,965)
Loans
(59,909,017) (85,610,294)
Securities purchased under resale agreements
(16,049,132) 10,777,622
Consumer financing receivable
(1,590,704)
(833,329)
Net investment in lease financing
(165,177)
(291,229)
Prepaid taxes
(1,465,433) (1,098,375)
Prepaid expense
(348,490)
(53,253)
Other assets
(1,583,311)
172,342
Proceeds from collection of financial assets already written - off
2,607,206
3,002,556
Increase/(decrease) in operating liabilities and temporary syirkah funds:
Conventional Banking
Demand deposits
4,832,745 10,098,878
Saving deposits
15,682,853 32,276,298
Time deposits
57,414,439 21,255,943
Inter-bank call money
1,611,150
953,750
Obligation due immediately
394,236
(932,101)
Liability to unit - linked policyholders
5,340,802
968,758
Other taxes payable
244,614
(211,620)
Other liabilities
3,910,075
1,523,844
Sharia Banking - Temporary Syirkah Funds
Demand deposit - restricted investment and demand deposit - mudharabah musytarakah
(4,342)
14,717
Saving deposit - restricted investment and mudharabah saving deposit - unrestricted investment
509,134
2,210,646
Mudharabah time deposit - unrestricted investment
5,097,017
4,968,241
Net cash provided by operating activities
21,091,691
12,733,517
CASH FLOWS FROM INVESTING ACTIVITIES
Increase in marketable securities - Available for sale and Held to maturity
(965,192) (6,410,209)
Increase in Government Bonds - Available for sale and Held to maturity
(3,169,133) (4,642,580)
Proceeds from sale of fixed assets
6,661
119,287
Acquisition of fixed assets
(2,250,724) (1,584,388)
Acquisition of intangible assets
(705,614)
(439,775)
Sale of investment in PT Bumi Daya Plaza shares
264,000
Sale of investment in PT Usaha Gedung Mandiri shares
132,000
Net cash used in investing activities
(7,084,002) (12,561,665)
CASH FLOWS FROM FINANCING ACTIVITIES
Decrease of investment in Subsidiaries
(36,365)
98,830
Increase in marketable securities issued
230,028
233,721
Increase in fund borrowings
8,026,295
6,688,977
Payment of Subordinated Loans
(719,041)
(672,335)
Increase in securities sold under repurchase agreements
1,456,440
4,656,149
Payments of dividends
(5,461,126) (4,651,220)
Net cash provided by financing activities
3,496,231
6,354,122
NET INCREASE IN CASH AND CASH EQUIVALENTS
17,503,920
6,525,974
EFFECT OF EXCHANGE RATE CHANGES ON CASH AND CASH EQUIVALENT
277,305
2,993,395
CASH AND CASH EQUIVALENTS AT BEGINNING OF YEAR
121,023,158 111,503,789
CASH AND CASH EQUIVALENTS AT END OF YEAR
138,804,383 121,023,158
Cash and cash equivalent at end of year consist of :
Cash
20,704,563 19,051,934
Current accounts with Bank Indonesia
50,598,840 43,904,419
Current accounts with other banks
8,986,831 14,048,075
Placements with Bank Indonesia and other banks
57,690,864 44,018,730
Certificate of Bank Indonesia
823,285
Total cash and cash equivalents
138,804,383 121,023,158
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
(571,348) (1,417,240)
Acquisition of fixed assets - payable
(949,120)
(812,181)
STATEMENTS OF CALCULATION OF FINANCIAL RATIOS
As at 31 December 2014 and 2013
(In %)
79,052,150
11,666,667
69,487,242
69,713,880
17,476,308
2,333,333
4,399,179
35,651,339
9,755,529
98,192
(226,638)
(226,638)
(2,101,759)
(2,101,759)
-
84,422,801
11,666,667
73,601,673
73,841,373
17,316,192
2,333,333
4,399,179
39,628,823
9,960,221
203,625
(239,700)
(239,700)
(1,300,731)
(117,741)
(1,182,990)
455,192
65,853,989
11,666,667
55,739,397
55,971,155
17,476,308
2,333,333
2,050,894
25,413,268
8,571,342
126,010
(231,758)
(231,758)
(1,552,075)
(1,552,075)
-
71,446,525
11,666,667
60,059,012
60,303,832
17,316,192
2,333,333
2,050,894
29,325,353
9,056,440
221,620
(244,820)
(244,820)
(628,743)
(117,741)
(511,002)
349,589
6,427,547
6,936,802
1,371,121
5,565,681
1,592,504
1,592,504
(2,101,759)
(2,101,759)
85,479,697
85,479,697
445,254,441
67,786,852
1,863,243
16.66%
16.60%
7,909,442
7,499,928
1,371,121
6,128,807
1,592,504
1,592,504
(1,182,990)
(1,182,990)
92,332,243
92,332,243
490,304,562
79,510,013
2,446,704
16.20%
16.13%
7,491,432
6,691,917
1,371,121
5,320,796
2,351,590
2,351,590
(1,552,075)
(1,552,075)
73,345,421
73,345,421
431,632,851
57,671,278
1,972,041
14.99%
14.93%
9,001,217
7,160,629
1,371,121
5,789,508
2,351,590
2,351,590
(511,002)
(511,002)
80,447,742
80,447,742
476,508,651
67,642,899
1,990,242
14.78%
14.73%
BANK
No.
RATIOS
31 December 2014 31 December 2013
(Audited)
(Audited)
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
16.60%
14.93%
1.15%
1.42%
2.61%
1.66%
0.44%
3.57%
25.81%
5.94%
64.98%
82.02%
1.17%
1.43%
2.86%
1.60%
0.37%
3.66%
27.31%
5.68%
62.41%
82.97%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
8.00%
8.49%
2.01%
8.00%
8.10%
2.40%
STATEMENTS OF SPOT AND DERIVATIVE TRANSACTIONS
As at 31 December 2014
(In Millions of Rupiah)
BANK
No.
TRANSACTION
A.
1.
2.
3.
Exchange Rate Related
Spot
Forward
Option
a. Written
b. Purchased
4. Future
5. Swap
6. Others
As at 31 December 2014 and 2013
(In Millions of Rupiah)
BANK
31 December 2014 31 December 2013*)
(Audited)
(Audited)
31 December 2013 (Audited)
BANK
STATEMENTS OF ASSETS’ QUALITY AND OTHER INFORMATION
CONSOLIDATED
* ) For comparative purposes, certain accounts in the Statement of Cash Flows for the year ended 31 December 2013 have been
reclassified to conform with the presentation of Statement of Cash flows for the year ended 31 December 2014.
STATEMENTS OF CALCULATION OF CAPITAL ADEQUACY RATIO COMMERCIAL BANK
No.
(In Millions of Rupiah)
DESCRIPTION
31 December 2013
(Audited)
50,208,842
47,029,634
3,179,208
16,399,424
15,783,269
616,155
33,809,418
6,446,149
3,820,143
2,626,006
36,435,424
Other comprehensive income current year after income tax - net
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
TRANSFER INCOME (LOSSES) TO HEAD OFFICE
DIVIDEND
EARNING PER SHARE
31 December 2014
(Audited)
62,637,942
58,331,972
4,305,970
23,505,518
22,614,551
890,967
39,132,424
9,364,287
6,683,717
2,680,570
41,812,994
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
TOTAL OTHER COMPREHENSIVE INCOME CURRENT YEAR
31 December 2013
(Audited)
43,339,930
40,338,122
3,001,808
13,803,483
13,192,293
611,190
29,536,447
29,536,447
3,992
19,369
23,361
24,185,829
For the Years Ended 31 December 2014 and 2013
CONSOLIDATED
55,092,073
50,994,855
4,097,218
20,408,408
19,522,984
885,424
34,683,665
34,683,665
4,284,203
154,181
(141,006)
709,392
8,183,968
842,983
10,389,164
(10,521,197)
24,162,468
STATEMENTS OF CASH FLOWS
Type
Notional Amount
Derivative Receivables & Payables
Trading
Hedging
2,475,779
6,918,112
2,360,422
49,092
115,357
6,869,020
Receivables
4,245
43,588
Payables
2,983
12,852
14,309,823
-
13,769,520
-
540,303
-
17,660
-
95,143
-
B. Interest Rate Related
1. Forward
2. Option
a. Written
b. Purchased
3. Future
4. Swap
5. Others
-
-
-
-
-
32,563,700
-
-
32,563,700
-
9,796
-
49,060
-
C. Others
TOTAL
56,267,414
16,179,034
40,088,380
75,289
160,038
No.
31 December 2014 (Audited)
DESCRIPTION
Current
I.
RELATED PARTIES
1. Placements with other banks
a. Rupiah
22
b. Foreign currencies
1,668,884
2. Spot and derivative receivables
a. Rupiah
b. Foreign currencies
3. Securities
a. Rupiah
256,183
b. Foreign currencies
14,700
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
28,278
7. Other receivable - Trade Transaction
a. Rupiah
b. Foreign currencies
8. Loans
a. Micro, small and medium loans (UMKM)
622
i. Rupiah
622
ii. Foreign currencies
b. Non UMKM
11,663,263
i. Rupiah
3,738,680
ii. Foreign currencies
7,924,583
c. Restructured loans
i. Rupiah
ii. Foreign currencies
d. Property loans
14,652
9. Investments in shares
3,644,451
10. Temporary investment
11. Commitments and contingencies
a. Rupiah
1,006,230
b. Foreign currencies
4,432,356
12. Repossessed assets
II. THIRD PARTIES
1. Placements with other banks
25,771,953
a. Rupiah
32,151,186
b. Foreign currencies
2. Spot and derivative receivables
65,121
a. Rupiah
10,168
b. Foreign currencies
3. Securities
76,005,220
a. Rupiah
17,454,866
b. Foreign currencies
4. Securities sold with agreement to repurchase (Repo)
7,088,104
a. Rupiah
b. Foreign currencies
5. Securities purchased with agreement to resell (Reverse Repo)
18,528,320
a. Rupiah
b. Foreign currencies
13,079,446
6. Acceptances receivables
7. Other receivable - Trade Transaction
5,596,359
a. Rupiah
5,860,461
b. Foreign currencies
8. Loans
65,749,058
a. Micro, small and medium loans (UMKM)
65,371,394
i. Rupiah
377,664
ii. Foreign currencies
370,745,908
b. Non UMKM
307,142,398
i. Rupiah
63,603,510
ii. Foreign currencies
5,887,500
c. Restructured loans
3,088,798
i. Rupiah
2,798,702
ii. Foreign currencies
25,242,969
d. Property loans
1,955
9. Investments in shares
10. Temporary investment
11. Administrative account transaction
110,884,814
a. Rupiah
b. Foreign currencies
63,300,911
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
Special
Mention
Sub
Standard
-
-
Doubtful
31 December 2013 (Audited)
Loss
-
Total
-
Current
22
1,668,884
Special
Mention
30,259
2,554,066
Sub
Standard
Doubtful
-
-
-
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
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
30,259
2,554,066
-
-
-
-
-
-
-
-
-
-
-
-
-
256,183
14,700
248,250
-
-
-
-
-
248,250
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
28,278
79,844
-
-
-
-
79,844
-
-
-
-
-
-
-
-
-
-
-
298
298
-
-
414,227
-
174,469
-
622
622
11,663,561
3,738,978
7,924,583
14,652
4,233,147
-
5,761,450
3,683,016
2,078,434
12,353
2,654,452
-
2,062
2,062
1,015
-
-
474,227
-
3
3
3
27,469
-
5,763,515
3,685,081
2,078,434
13,371
3,156,148
-
176
-
-
-
-
1,006,406
4,432,356
-
457,771
2,862,038
-
137
-
-
-
-
457,908
2,862,038
-
-
-
-
49,271
25,771,953
32,200,457
16,299,359
33,971,666
-
-
-
72,260
16,299,359
34,043,926
-
-
-
-
65,121
10,168
175,323
624
-
-
-
-
175,323
624
75,161,479
12,390,216
-
86,960
-
-
-
76,092,180
17,454,866
75,074,711
12,376,897
-
-
-
86,768
13,319
-
-
-
-
7,088,104
-
5,182,903
-
-
-
-
-
5,182,903
-
6,335
-
-
-
18,528,320
13,085,781
3,103,351
10,073,728
24,798
-
-
-
3,103,351
10,098,526
79,228
552,164
14,664
40,300
-
145,944
860,408
5,836,195
7,313,333
4,190,065
3,540,586
65,514
420,798
-
-
145,944
845,507
4,401,523
4,806,891
5,114,152
5,107,807
6,345
14,073,703
12,079,420
1,994,283
3,954,025
2,165,713
1,788,312
3,483,089
-
237,631
237,631
869,504
280,687
588,817
547,385
126,199
421,186
84,031
-
378,278
378,278
1,125,385
1,125,181
204
89,698
89,698
66,579
266
1,916,904
1,916,904
3,392,120
2,505,631
886,489
1,271,844
910,701
361,143
349,333
-
73,396,023
73,012,014
384,009
390,206,620
323,133,317
67,073,303
11,750,452
6,381,109
5,369,343
29,226,001
1,955
266
58,648,452
58,348,287
300,165
330,431,954
268,580,535
61,851,419
7,522,637
3,942,389
3,580,248
26,404,734
1,955
-
3,653,170
3,639,821
13,349
11,735,235
9,694,445
2,040,790
3,414,760
1,552,225
1,862,535
3,055,251
-
248,821
248,821
317,531
317,468
63
45,902
45,902
59,553
-
476,982
476,982
235,555
235,555
19,183
19,183
62,136
1,362
1,582,377
1,582,377
3,884,438
2,414,270
1,470,168
1,654,605
818,115
836,490
296,851
-
64,609,802
64,296,288
313,514
346,604,713
281,242,273
65,362,440
12,657,087
6,377,814
6,279,273
29,878,525
1,955
1,362
756,546
218,976
-
1,811
5,124
-
10,605
-
65,235
132
19,815
111,719,011
63,525,143
19,815
99,097,986
60,585,149
-
457,415
191,910
-
383
-
574
-
58,180
158,913
19,815
99,614,538
60,935,972
19,815
17,906,264
13,806,544
15.44%
6.89%
51.48%
48.27%
16,828,352
12,654,998
15.49%
6.56%
47.62%
44.37%
9,037,109
2,986,162
2,686,428
-
11,409,429
2,304,223
3,075,755
-
(In Millions of Rupiah)
31 December 2014 (Audited)
Required Allowance for
Allowance for Impairment
Possible Losses on Earning Assets
Individual
Collective
General
Spesific
49,271
119,442
67,033
1,585,983
9,299,586
31,851
133
172,537
47,107
8,359
39,894
29,206
6,628,399
22,610
241,783
710
159,921
131,077
114,568
4,481,589
50
877,128
31 December 2013 (Audited)
Required Allowance for
Allowance for Impairment
Possible Losses on Earning Assets
Individual
Collective
General
Spesific
49,271
13,044
317
1,046,166
7,186,333
381,582
133
88,467
SHAREHOLDER
Ultimate Shareholder
-
-
As at 31 December 2014 and 2013
DESCRIPTION
Total
-
ALLOWANCES FOR IMPAIRMENT
No.
Loss
72,260
141,819
28,092
1,428,133
9,582,174
54,218
681
189,113
37,498
6,909
35,389
21,338
5,419,841
8,694
236,386
1,607
126,480
31,034
101,536
77,306
3,948,419
50
797,205
72,260
100,087
1,240
1,015,767
6,677,563
264,582
681
77,005
MANAGEMENT OF THE BANK
Board of Commissioners
- President Commissioner
- Independent Commissioner
- Independent Commissioner
- Commissioner
- Commissioner
- Independent Commissioner
- Independent Commissioner
:
:
:
:
:
:
:
Mahmuddin Yasin
Pradjoto
Krisna Wijaya
Abdul Aziz
Askolani
Aviliani
Anton Hermanto Gunawan
Board of Directors
- Group CEO
- Deputy Group CEO
- 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
Notes :
1. Presentation of the above Published Financial Statements as at and for the years ended 31 December 2014 and 2013 are derived from the Consolidated Financial Statements of PT Bank Mandiri (Persero) Tbk. and Subsidiaries
which were audited by Public Accounting Firm KAP Tanudiredja, Wibisana, dan Rekan - a member Firm of PwC Global Network with partner in-charge : Drs. Haryanto Sahari, CPA whose report dated 2 February 2015 and 10 February
2014, respectively expressed an Unqualified Opinion.
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 Statements 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 Statements 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.
3. 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.
4. Since 2 May 2014, the Financial Statements of PT Asuransi Jiwa InHealth Indonesia has been consolidated into the Consolidated Financial Statements of PT Bank Mandiri (Persero) Tbk. and Subsidiaries upon acquisition of 60%
ownership in PT Asuransi Jiwa InHealth Indonesia by PT Bank Mandiri (Persero) Tbk.
5. Exchange rate of 1 US Dollar as at 31 December 2014 and 31 December 2013 were Rp12,385.00 and Rp12,170.00 respectively.
Jakarta, 12 February 2015
S. E & O
Board of Directors
PT Bank Mandiri (Persero) Tbk.
Budi G. Sadikin
Group CEO
Pahala N. Mansury
Director