Q1 2014 March 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 31 March 2014 and 31 December 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 March 2014
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 Periods Ended 31 March 2014 and 2013
CONSOLIDATED
31 December 2013
(Audited)
31 March 2014
BANK
31 December 2013
(Audited)
17,226,616
69,819,352
23,710,890
175,947
14,501,262
67,101,424
26,230,263
255,127
19,051,934
78,521,140
24,650,787
175,947
1,901,939
70,833,595
24,789,129
12,356
5,115,026
10,584,664
1,470,994
61,370,553
24,945,188
13,210
5,182,903
3,103,351
10,178,370
17,923,003
71,527,141
26,662,275
12,356
5,115,026
778,359
10,584,664
14,866,672
62,197,173
26,518,455
13,210
5,182,903
3,737,613
10,178,370
415,149,428
3,158,612
-
416,978,030
3,159,465
-
464,336,768
5,413,529
8,585
-
467,170,449
4,644,901
7,891
-
(147,783)
(14,831,837)
(1,753,347)
2,177,675
(1,328,384)
11,712,688
(4,980,645)
(148,728)
(15,002,015)
(1,677,609)
2,178,033
(1,288,191)
11,700,899
(4,807,311)
(291,043)
(16,468,638)
(1,885,154)
2,521,713
(1,402,401)
13,319,016
(5,839,362)
(292,049)
(16,535,651)
(1,774,259)
2,514,368
(1,354,113)
13,258,249
(5,612,651)
151,090
19,815
427,009
150,272
38,957
568,539
DESCRIPTION
31 March 2014
OPERATING INCOME AND EXPENSES
A. Interest Income and Sharia, Interest Expenses and Sharia, and
Premium Income and Claim Expenses
1. Interest Income and Sharia Income
a. Rupiah
b. Foreign currencies
2. Interest Expense and Sharia Expenses
a. Rupiah
b. Foreign currencies
Net Interest Income and Sharia Income (Expenses)
3. Premium Income
4. Claim Expense
Net Premium Income (Claim Expenses)
Net Interest Income (Expenses), Sharia, and Net Premium Income (Claim Expenses)
13,111,632
58,980,998
23,525,940
253,559
150,039
19,815
568,539
No.
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)
151,323
33,838
427,009
(12,007,146)
12,115,708
(285,430)
3,536,195
18,094,798
640,457,763
(287,147)
4,093,766
15,555,697
648,250,177
(12,007,146)
12,115,708
(298,493)
673,197
3,754,881
24,083,143
729,482,971
(300,209)
619,691
4,322,498
20,724,273
733,099,762
106,405,920
202,316,366
167,622,601
24,581,357
136,397
4,590,474
10,584,664
564
116,250,862
214,128,654
169,338,524
12,658,783
230,621
4,656,149
10,178,370
564
110,738,212
223,969,603
196,902,890
24,525,626
136,707
4,590,474
10,584,664
1,675,011
123,445,524
236,510,887
196,385,250
12,669,235
231,955
4,656,149
10,178,370
1,674,299
3,755,478
12,142,613
1,609,456
4,470,615
13,996,524
2,061,958
3,750,478
15,133,697
1,609,456
4,465,615
15,999,539
2,061,958
24,514,091
558,259,981
8,729,833
(8,753,251)
17,740,655
565,688,861
13,959,552
32,865,599
640,441,969
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)
-
16,000,000
(4,333,333)
-
16,000,000
(4,333,333)
-
17,476,308
-
17,476,308
-
17,316,192
-
17,316,192
-
118,720
(1,042,125)
234,022
-
126,010
(1,760,611)
347,529
-
177,730
(1,032,414)
232,080
-
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
4,499,903
82,197,782
82,197,782
640,457,763
33,108,218
17,212,968
82,561,316
82,561,316
648,250,177
47,438,360
4,924,529
87,455,656
1,585,346
89,041,002
729,482,971
37,044,018
18,203,753
87,419,237
1,371,359
88,790,596
733,099,762
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 March 2014
I.
RELATED PARTIES
1. Placements with other banks
a. Rupiah
70
b. Foreign currencies
1.325,907
2. Spot and derivative receivables
a. Rupiah
b. Foreign currencies
3. Securities
a. Rupiah
262,541
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
36,894
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
7,204,179
i. Rupiah
3,709,993
ii. Foreign currencies
3,494,186
c. Restructured loans
i. Rupiah
ii. Foreign currencies
d. Property loans
13,347
9. Investments in shares
2,654,451
10. Temporary investment
11. Commitments and contingencies
a. Rupiah
371,519
b. Foreign currencies
2,664,408
12. Repossessed assets
II. THIRD PARTIES
1. Placements with other banks
10,531,668
a. Rupiah
29,398,125
b. Foreign currencies
2. Spot and derivative receivables
253,499
a. Rupiah
60
b. Foreign currencies
3. Securities
78,125,919
a. Rupiah
19,049,306
b. Foreign currencies
4. Securities sold with agreement to repurchase (Repo)
5,115,026
a. Rupiah
b. Foreign currencies
5. Securities purchased with agreement to resell (Reverse Repo)
a. Rupiah
b. Foreign currencies
10,533,592
6. Acceptances receivables
7. Other receivable - trade transaction
4,134,416
a. Rupiah
4,963,620
b. Foreign currencies
8. Loans
57,313,395
a. Micro, small and medium loans (UMKM)
56,687,146
i. Rupiah
626,249
ii. Foreign currencies
326,857,521
b. Non UMKM
272,277,989
i. Rupiah
54,579,532
ii. Foreign currencies
6,297,403
c. Restructured loans
3,074,645
i. Rupiah
3,222,758
ii. Foreign currencies
25,492,188
d. Property loans
1,955
9. Investments in shares
10. Temporary investment
11. Administrative account transaction
92,064,837
a. Rupiah
b. Foreign currencies
59,150,058
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
Loss
Total
Current
Special
Mention
Sub
Standard
Doubtful
-
-
70
1.325,907
84
106,012
-
-
-
-
84
106,012
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
262,541
-
150,037
-
-
-
-
-
150,037
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
36,894
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
622
622
481
-
-
474,227
-
27,469
-
7,204,801
3,710,615
3,494,186
13,828
3,156,147
-
3,750,958
3,577,036
173,922
133,317
2,713,364
-
691
691
691
-
-
474,227
-
3
3
3
27,469
-
3,751,652
3,577,730
173,922
134,011
3,215,060
-
-
-
-
-
371,519
2,664,408
-
215,060
56,897
-
-
-
-
-
215,060
56,897
-
-
-
-
50,979
10,531,668
29,449,104
9,231,863
48,924,822
-
-
-
53,464
9,231,863
48,978,286
-
-
-
-
253,499
60
139,945
709
-
-
-
-
139,945
709
-
-
-
86,815
12,438
78,212,734
19,061,744
83,184,788
4,748,352
-
-
-
86,624
10,822
83,271,412
4,759,174
-
-
-
-
5,115,026
-
-
-
-
-
-
-
14,178
-
-
-
10,547,770
7,551,193
7,579,522
41,731
490
-
-
7,551,193
7,621,743
76,207
400,032
-
-
145,944
789,199
4,356,567
6,152,851
2,630,910
3,367,705
63,194
307,758
8,952
52,581
-
145,944
675,092
2,849,000
4,403,136
4,703,052
4,689,961
13,091
11,734,542
9,736,196
1,998,346
3,268,145
1,603,535
1,664,610
3,478,478
-
306,612
306,612
493,536
329,554
163,982
50,841
50,841
94,732
-
559,084
559,084
506,321
505,438
883
18,729
18,729
108,817
510
1,706,805
1,706,805
3,763,759
2,419,575
1,344,184
1,560,742
785,636
775,106
297,299
-
64,588,948
63,949,608
639,340
343,355,679
285,268,752
58,086,927
11,195,860
5,533,386
5,662,474
29,471,514
1,955
510
50,037,355
49,693,806
343,549
267,155,667
222,985,059
44,170,608
6,772,319
3,488,802
3,283,517
29,555,704
1,955
-
3,527,691
3,507,960
19,731
9,666,668
7,379,205
2,287,463
3,779,457
1,671,391
2,108,066
2,803,900
-
402,787
402,787
384,573
384,522
51
360,865
360,865
77,849
-
525,191
525,191
505,903
491,895
14,008
27,540
27,540
76,543
3,156
1,115,471
1,115,471
3,581,485
2,419,871
1,161,614
951,872
668,513
283,359
286,548
-
55,608,495
55,245,215
363,280
281,294,296
233,660,552
47,633,744
11,892,053
6,217,111
5,674,942
32,800,544
1,955
3,156
413,127
212,479
-
1,372
-
3,080
-
63,978
4,923
19,815
92,546,394
59,367,460
19,815
99,601,648
44,796,925
-
405,860
192,821
-
48,951
9,139
-
1,696
-
27,415
7,659
19,815
100,085,570
45,006,544
19,815
16,732,967
12,803,987
15.56%
6.67%
48.22%
44.98%
14,475,716
13,888,069
16.32%
6.73%
45.62%
42.52%
10,527,668
556,310
552,940
-
11,087,159
569,058
918,131
-
(In Millions of Rupiah)
31 March 2014
Allowance for Impairment
Individual
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
I.
Total
-
As at 31 March 2014 and 2013
DESCRIPTION
Loss
-
ALLOWANCES FOR IMPAIRMENT
No.
No.
31 March 2013
Doubtful
50,979
140,472
214,706
1,361,793
9,079,181
41,966
255
152,426
Collective
25,298
7,311
34,755
23,595
5,752,656
72,554
14,313,290
13,404,727
908,563
5,063,876
4,853,884
209,992
9,249,414
1,782,980
1,198,692
584,288
9,833,702
11,401,529
10,704,014
697,515
3,715,812
3,575,603
140,209
7,685,717
1,668,200
1,057,738
610,462
8,296,179
2,997,997
2,855,152
3,527,618
3,272,941
4,259
355,284
-
174,324
-
94,495
355,285
-
11,002
178,814
-
55,863
42,288
1,874,950
665,353
5,518,689
32,041
42,803
4,661
1,595,686
1,005,637
4,763,208
63,217
49,196
2,134,800
830,625
6,897,882
34,745
47,238
1,869,510
1,131,632
5,961,484
-
5,760
-
-
-
-
-
-
-
2,842
872,269
165,513
(11,952)
161,454
42,703
2,021,833
157,209
2,106,818
(2,520,692)
5,639,253
7,376
852,626
88,813
4,583
127,046
4,331
1,557,612
157,893
1,957,168
(1,908,056)
4,809,912
2,781
952,358
233,139
(11,952)
161,454
40,857
2,544,074
185,598
2,789,573
(3,370,264)
6,463,438
7,339
951,060
121,768
4,583
127,046
4,310
1,971,012
181,152
2,593,214
(2,688,543)
5,607,636
3,119
(4,066)
(947)
5,638,306
3,000
14,655
17,655
4,827,567
3,121
(7,585)
(4,464)
6,458,974
3,056
39,314
42,370
5,650,006
(532,050)
(444,360)
(887,771)
(448,507)
3,851,157
(7,290)
718,486
(113,507)
597,689
573,016
5,695,712
4,433,216
4,499,903
4,499,903
3,851,157
3,851,157
4,924,529
198,167
5,122,696
4,303,354
162,508
4,465,862
5,097,592
5,097,592
-
3,816,533
3,816,533
-
5,497,545
198,167
5,695,712
211.05
4,270,708
162,508
4,433,216
184.43
31 March 2013
Required Allowance for
Possible Losses on Earning Assets
General
Spesific
234,750
2,507
136,310
105,705
90,980
3,913,751
50
714,612
50,979
99,253
709
958,955
6,945,200
264,583
255
85,981
Allowance for Impairment
Individual
53,464
128,977
7,699
1,194,261
8,255,732
22,333
1,578
180,399
Collective
51,528
5,276
27,334
19,291
4,708,243
10,591
Required Allowance for
Possible Losses on Earning Assets
General
Spesific
401,103
1,371
85,408
45,665
75,795
59,986
4,814,186
50
559,091
53,464
97,446
2,160
848,814
7,136,460
264,583
1,578
113,696
Notes :
1. Presentation of the above Published Financial Statement as at and for three months ended 31 March 2014 and 2013 are derived from the Consolidated Financial Statement of PT Bank Mandiri (Persero) Tbk. and Subsidiaries
(unaudited), and Consolidated Financial Statement as at and for the years ended 31 December 2013 are derived from the consolidated Financial Statement 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 for 2013 : Drs. Haryanto Sahari, CPA whose report dated 10 February 2014 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 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.
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. Exchange rate of 1 US Dollar as at 31 March 2014, 31 March 2013 and 31 December 2013 were Rp11,360.00; Rp9,717.50 and Rp12,170.00 respectively.
(In Millions of Rupiah)
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.
II.
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)}
BANK
31 March 2013
CONSOLIDATED
II.
(In Millions of Rupiah)
BANK
CONSOLIDATED
72,334,592
11,666,667
62,226,121
62,450,863
17,476,308
2,333,333
4,399,179
35,651,339
2,471,984
118,720
-
77,623,462
11,666,667
66,303,971
66,541,775
17,316,192
2,333,333
4,399,179
39,628,823
2,686,518
177,730
-
63,723,971
11,666,667
53,654,763
53,924,433
17,195,760
2,333,333
547,000
31,568,382
2,147,759
132,199
-
68,980,776
11,666,667
57,759,768
58,042,500
17,195,760
2,333,333
547,000
35,481,670
2,376,967
107,770
-
(224,742)
-
(237,804)
-
(269,670)
-
(282,732)
-
-
-
-
-
-
-
-
-
-
-
-
-
(224,742)
(237,804)
(269,670)
(282,732)
(1,558,196)
(1,558,196)
-
(724,476)
(117,741)
(606,735)
377,300
(1,597,459)
(1,597,459)
-
(755,817)
(105,666)
(650,151)
310,158
7,218,345
6,661,582
1,371,121
5,290,461
8,593,467
7,085,243
1,371,121
5,714,122
7,336,264
5,840,535
1,371,121
4,469,414
8,781,479
6,338,442
1,371,121
4,967,321
2,114,959
2,114,959
(1,558,196)
(1,558,196)
-
2,114,959
2,114,959
(606,735)
(606,735)
-
3,093,188
3,093,188
(1,597,459)
(1,597,459)
-
3,093,188
3,093,188
(650,151)
(650,151)
-
-
-
-
-
79,552,937
86,216,929
71,060,235
77,762,255
79,552,937
423,236,853
67,718,732
1,554,399
86,216,929
468,923,511
79,511,930
1,918,566
71,060,235
357,553,111
57,676,323
1,681,727
77,762,255
397,385,672
67,581,862
2,580,551
16.20%
15.72%
17.11%
16.72%
16.15%
15.67%
17.04%
16.63%
SHAREHOLDER
CONSOLIDATED
31 March 2014 31 December 2013 31 March 2014
(Audited)
COMMITMENT PAYABLES
1. Unused loan facilities granted to customer
a. BUMN
i. Committed
- Rupiah
- Foreign currencies
ii. Uncommitted
- Rupiah
- Foreign currencies
b. Others
i. Committed
ii. Uncommitted
2. Unused loan facilities granted to other banks
a. Committed
i. Rupiah
ii. Foreign currencies
b. Uncommitted
i. Rupiah
ii. Foreign currencies
3. Outstanding irrevocable letters of credit
a. Foreign L/C
b. Local L/C
4. Outstanding sales position on spot and derivative
5. Others
III.
CONTINGENT RECEIVABLES
1. Guarantees received
a. Rupiah
b. Foreign currencies
2. Unrecognized interest income
a. Interest loan
b. Others interest
3. Others
IV. CONTINGENT PAYABLES
1. Guarantees issued
a. Rupiah
b. Foreign currencies
2. Others
31 December 2013
(Audited)
275,859
-
347,357
-
275,859
-
347,357
-
5,236,742
729,779
7,591,000
793,437
5,236,742
729,779
7,591,000
793,437
11,340,501
555,140
11,372,089
584,900
11,340,501
555,140
11,372,089
584,900
21,554,684
43,720,888
20,460,055
42,999,343
21,557,127
44,918,871
20,462,699
44,257,143
56,674
-
62,025
-
56,674
-
62,025
-
17,400
-
28,300
-
17,400
-
28,300
-
10,132,441
2,781,052
149,023
-
11,739,958
3,321,460
238,689
-
10,547,926
2,860,658
149,023
-
11,861,603
3,356,527
238,689
-
356,466
16,808,809
359,299
18,195,261
359,069
16,811,871
361,902
18,198,552
6,617,169
51,949
32,729
6,889,648
51,949
32,729
6,623,656
545,527
32,729
6,895,977
495,657
32,729
21,416,265
37,408,215
290,149
25,274,039
39,643,850
256,757
21,555,239
37,458,111
290,149
25,404,802
39,667,080
256,757
STATEMENTS OF CASH FLOWS
For the Periods Ended 31 March 2014 and 2013
(In Millions of Rupiah)
CONSOLIDATED
DESCRIPTION
31 March 2014 31 March 2013*)
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/ (losses) - net
Operating income - others
Operating expenses - others
Salaries and employee benefits
General and administrative expenses
Non operating income
Cash Flow From Operating Activities Before Changes in Operating Assets and Liabilities
Decrease/(increase) in operating assets:
Placements with Bank Indonesia and other banks
Marketable securities - Fair value through profit or loss
Other receivables - trade transactions
Loans
Securities purchased under resale agreements
Consumer financing receivable
Net investment in lease financing
Prepaid taxes
Prepaid expense
Other assets
Proceeds from collection of financial assets already written - off
Increase/(decrease) in operating liabilities and temporary syirkah funds:
Conventional Banking
Demand deposits
Saving deposits
Time deposits
Inter-bank call money
Obligation due immediately
Liability to unit linked holders
Other taxes payable
Payment of corporate income tax
Other liabilities
Sharia Banking - Temporary Syirkah Funds
Demand deposit - restricted investment and demand deposit - mudharabah musytarakah
Saving deposit - restricted investment and mudharabah saving deposit - unrestricted investment
Mudharabah time deposit - unrestricted investment
Net cash provided by operating activities
(32,646)
3,816,533
COMPONENTS OF CAPITAL
COMMITMENT RECEIVABLES
1. Unused fund borrowings facilities
a. Rupiah
b. Foreign currencies
2. Outstanding purchase position on spot and derivative
3. Others
59,598
(115,305)
23,061
-
5,097,592
31 March 2014
I.
4,465,862
(43,890)
733,395
(116,489)
-
(34,624)
DESCRIPTION
(734,468)
(449,676)
5,122,696
59,506
(117,662)
23,532
-
No.
31 March 2013
9,858,438
9,203,594
654,844
3,140,470
3,001,625
138,845
6,717,968
6,717,968
(In Millions of Rupiah) As at 31 March 2014 and 2013
BANK
Current
31 March 2014
STATEMENTS OF CALCULATION OF CAPITAL ADEQUACY RATIO
COMMERCIAL BANK
As at 31 March 2014 and 2013
As at 31 March 2014 and 31 December 2013
BANK
12,486,368
11,622,429
863,939
4,326,423
4,118,965
207,458
8,159,945
8,159,945
Other comprehensive income current year after income tax - net
TOTAL OTHER COMPREHENSIVE INCOME CURRENT YEAR
STATEMENTS OF ASSETS’ QUALITY AND OTHER INFORMATION
DESCRIPTION
31 March 2013
4,499,903
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
STATEMENTS OF COMMITMENTS AND CONTINGENCIES
CONSOLIDATED
(694,339)
(444,064)
PROFIT (LOSS) AFTER INCOME TAX - NET
*) 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)
CASH FLOWS FROM INVESTING ACTIVITIES
Increase in marketable securities - Available for sale and Held to maturity
Increase in government bonds - Available for sale and Held to maturity
Proceeds from sale of fixed assets
Acquisition of fixed assets
Acquisition of intangible assets
Increase in non - controlling interests
Net cash used in investing activities
CASH FLOWS FROM FINANCING ACTIVITIES
Increase of investment in Subsidiaries
Decrease in marketable securities issued
(Decrease)/increase in fund borrowings
Payment of Subordinated Loans
Increase liabilities sold with repo agreements to repurchase (Repo)
Payments of dividends, partnership program and community development program
Net cash provided by/(used in) financing activities
NET INCREASE IN CASH AND CASH EQUIVALENTS
EFFECT OF EXCHANGE RATE CHANGES ON CASH AND CASH EQUIVALENT
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
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
13,511,794
2,714,290
(5,220,805)
8,845,801
(9,165,895)
(2,908,477)
309,125
(837,304)
(3,606,834)
(2,030,885)
(4,464)
1,606,346
11,130,674
2,471,678
(3,945,359)
9,824,758
(9,198,023)
(402,765)
108,204
(546,052)
(2,810,700)
(1,816,096)
42,371
4,858.690
(821,102)
(3,843,881)
(1,554,293)
2,276,768
2,959,254
(801,117)
(53,120)
(45,119)
(406,106)
(1,480,150)
526,297
(14,162)
(1,625,709)
(327,385)
(2,803,987)
6,627,718
(506,746)
(100,469)
(1,165,098)
(242,426)
(820,060)
903,958
(12,261,342) (19,257,038)
(11,675,597) (7,155,366)
6,968,019 19,217,501
2,527,550
3,659,250
308,277
(238,357)
1,956,555
1,707,959
762,357
(220,328)
(1,560,169)
(575,455)
9,606,796
1,353,460
676
(569,549)
2,142,212
(3,430,438)
(104)
488,968
1,771,653
5,536,467
(593,835)
(7,382,805)
168
(63,194)
(8,194)
(8,047,860)
(3,112,138)
(992,054)
1,304
(98,811)
(14,318)
(4,216,017)
644,596
229,276
(6,835)
(41,586)
(94,015)
107,602
(715,137)
(17,964)
(65,675)
(5,461,126)
(5,698,192)
277,328
(17,176,490)
1,597,778
1,969,476
712,813
121,023,158 111,503,789
105,816,144 113,814,380
14,501,262
44,403,115
15,745,928
31,160,839
5,000
105,816,144
11,907,840
38,078,495
25,078,817
38,719,386
29,842
113,814,380
(800,334)
(582,096)
(501,693)
(441,997)
* ) For comparative purposes, certain accounts in the Statement of Cash Flows as at and for three months ended 31 March 2013 have
been reclassified to conform with the presentation of Statement of Cash Flows as at and for three months ended 31 March 2014.
STATEMENTS OF CALCULATION OF FINANCIAL RATIOS
As at 31 March 2014 and 2013
(In %)
BANK
No.
RATIOS
31 March 2014 31 March 2013
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
16.15%
17.04%
1.24%
1.53%
2.87%
1.76%
0.45%
3.55%
24.56%
5.94%
63.58%
86.61%
1.27%
1.57%
2.82%
1.90%
0.43%
3.48%
24.26%
5.50%
62.17%
80.95%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
8.11%
8.10%
2.29%
8.00%
8.44%
0.84%
STATEMENTS OF SPOT AND DERIVATIVE TRANSACTIONS
Ultimate Shareholder
As at 31 March 2014
(In Millions of Rupiah)
BANK
No.
MANAGEMENT OF THE BANK
Board of Commissioners
- President Commissioner
(concurrently Independent Commissioner)
- Commissioner
- Independent Commissioner
- Independent Commissioner
- Independent Commissioner
- Commissioner
- Commissioner
:
:
:
:
:
:
Wahyu Hidayat
Pradjoto
Gunarni Soeworo
Krisna Wijaya
Agus Suprijanto
Abdul Aziz
Board of Directors
- President Director
- Deputy President Director
- Director
- Director
- Director
- Director
- Director
- Director
- Director
- Director
- Director
:
:
:
:
:
:
:
:
:
:
:
Budi Gunadi Sadikin
Riswinandi
Abdul Rachman
Sentot A. Sentausa
Ogi Prastomiyono
Pahala N. Mansury
Fransisca N. Mok
Sunarso
Kresno Sediarsi
Royke Tumilaar
Hery Gunardi
: Edwin Gerungan
TRANSACTION
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
Type
Notional Amount
Derivative Receivables & Payables
Trading
Hedging
Receivables
Payables
5,656,612
32,402,754
5,100,733
65,221
555,879
6,212,583
2,861
97,902
5,528
62,605
32,402,755
-
32,385,950
-
16,805
-
138,641
-
50,940
-
-
-
-
-
-
8,600,000
-
-
8,600,000
-
14,155
-
17,324
-
79,062,121
37,551,904
15,385,267
253,559
136,397
Jakarta, 29 April 2014
S. E & O
Board of Directors
PT Bank Mandiri (Persero) Tbk.
Budi G. Sadikin
President Director
Pahala N. Mansury
Director
PT Bank M andiri (Persero) Tbk. and Subsidiaries
STATEMENTS OF FINANCIAL POSITION
As at 31 March 2014 and 31 December 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 March 2014
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 Periods Ended 31 March 2014 and 2013
CONSOLIDATED
31 December 2013
(Audited)
31 March 2014
BANK
31 December 2013
(Audited)
17,226,616
69,819,352
23,710,890
175,947
14,501,262
67,101,424
26,230,263
255,127
19,051,934
78,521,140
24,650,787
175,947
1,901,939
70,833,595
24,789,129
12,356
5,115,026
10,584,664
1,470,994
61,370,553
24,945,188
13,210
5,182,903
3,103,351
10,178,370
17,923,003
71,527,141
26,662,275
12,356
5,115,026
778,359
10,584,664
14,866,672
62,197,173
26,518,455
13,210
5,182,903
3,737,613
10,178,370
415,149,428
3,158,612
-
416,978,030
3,159,465
-
464,336,768
5,413,529
8,585
-
467,170,449
4,644,901
7,891
-
(147,783)
(14,831,837)
(1,753,347)
2,177,675
(1,328,384)
11,712,688
(4,980,645)
(148,728)
(15,002,015)
(1,677,609)
2,178,033
(1,288,191)
11,700,899
(4,807,311)
(291,043)
(16,468,638)
(1,885,154)
2,521,713
(1,402,401)
13,319,016
(5,839,362)
(292,049)
(16,535,651)
(1,774,259)
2,514,368
(1,354,113)
13,258,249
(5,612,651)
151,090
19,815
427,009
150,272
38,957
568,539
DESCRIPTION
31 March 2014
OPERATING INCOME AND EXPENSES
A. Interest Income and Sharia, Interest Expenses and Sharia, and
Premium Income and Claim Expenses
1. Interest Income and Sharia Income
a. Rupiah
b. Foreign currencies
2. Interest Expense and Sharia Expenses
a. Rupiah
b. Foreign currencies
Net Interest Income and Sharia Income (Expenses)
3. Premium Income
4. Claim Expense
Net Premium Income (Claim Expenses)
Net Interest Income (Expenses), Sharia, and Net Premium Income (Claim Expenses)
13,111,632
58,980,998
23,525,940
253,559
150,039
19,815
568,539
No.
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)
151,323
33,838
427,009
(12,007,146)
12,115,708
(285,430)
3,536,195
18,094,798
640,457,763
(287,147)
4,093,766
15,555,697
648,250,177
(12,007,146)
12,115,708
(298,493)
673,197
3,754,881
24,083,143
729,482,971
(300,209)
619,691
4,322,498
20,724,273
733,099,762
106,405,920
202,316,366
167,622,601
24,581,357
136,397
4,590,474
10,584,664
564
116,250,862
214,128,654
169,338,524
12,658,783
230,621
4,656,149
10,178,370
564
110,738,212
223,969,603
196,902,890
24,525,626
136,707
4,590,474
10,584,664
1,675,011
123,445,524
236,510,887
196,385,250
12,669,235
231,955
4,656,149
10,178,370
1,674,299
3,755,478
12,142,613
1,609,456
4,470,615
13,996,524
2,061,958
3,750,478
15,133,697
1,609,456
4,465,615
15,999,539
2,061,958
24,514,091
558,259,981
8,729,833
(8,753,251)
17,740,655
565,688,861
13,959,552
32,865,599
640,441,969
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)
-
16,000,000
(4,333,333)
-
16,000,000
(4,333,333)
-
17,476,308
-
17,476,308
-
17,316,192
-
17,316,192
-
118,720
(1,042,125)
234,022
-
126,010
(1,760,611)
347,529
-
177,730
(1,032,414)
232,080
-
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
4,499,903
82,197,782
82,197,782
640,457,763
33,108,218
17,212,968
82,561,316
82,561,316
648,250,177
47,438,360
4,924,529
87,455,656
1,585,346
89,041,002
729,482,971
37,044,018
18,203,753
87,419,237
1,371,359
88,790,596
733,099,762
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 March 2014
I.
RELATED PARTIES
1. Placements with other banks
a. Rupiah
70
b. Foreign currencies
1.325,907
2. Spot and derivative receivables
a. Rupiah
b. Foreign currencies
3. Securities
a. Rupiah
262,541
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
36,894
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
7,204,179
i. Rupiah
3,709,993
ii. Foreign currencies
3,494,186
c. Restructured loans
i. Rupiah
ii. Foreign currencies
d. Property loans
13,347
9. Investments in shares
2,654,451
10. Temporary investment
11. Commitments and contingencies
a. Rupiah
371,519
b. Foreign currencies
2,664,408
12. Repossessed assets
II. THIRD PARTIES
1. Placements with other banks
10,531,668
a. Rupiah
29,398,125
b. Foreign currencies
2. Spot and derivative receivables
253,499
a. Rupiah
60
b. Foreign currencies
3. Securities
78,125,919
a. Rupiah
19,049,306
b. Foreign currencies
4. Securities sold with agreement to repurchase (Repo)
5,115,026
a. Rupiah
b. Foreign currencies
5. Securities purchased with agreement to resell (Reverse Repo)
a. Rupiah
b. Foreign currencies
10,533,592
6. Acceptances receivables
7. Other receivable - trade transaction
4,134,416
a. Rupiah
4,963,620
b. Foreign currencies
8. Loans
57,313,395
a. Micro, small and medium loans (UMKM)
56,687,146
i. Rupiah
626,249
ii. Foreign currencies
326,857,521
b. Non UMKM
272,277,989
i. Rupiah
54,579,532
ii. Foreign currencies
6,297,403
c. Restructured loans
3,074,645
i. Rupiah
3,222,758
ii. Foreign currencies
25,492,188
d. Property loans
1,955
9. Investments in shares
10. Temporary investment
11. Administrative account transaction
92,064,837
a. Rupiah
b. Foreign currencies
59,150,058
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
Loss
Total
Current
Special
Mention
Sub
Standard
Doubtful
-
-
70
1.325,907
84
106,012
-
-
-
-
84
106,012
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
262,541
-
150,037
-
-
-
-
-
150,037
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
36,894
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
622
622
481
-
-
474,227
-
27,469
-
7,204,801
3,710,615
3,494,186
13,828
3,156,147
-
3,750,958
3,577,036
173,922
133,317
2,713,364
-
691
691
691
-
-
474,227
-
3
3
3
27,469
-
3,751,652
3,577,730
173,922
134,011
3,215,060
-
-
-
-
-
371,519
2,664,408
-
215,060
56,897
-
-
-
-
-
215,060
56,897
-
-
-
-
50,979
10,531,668
29,449,104
9,231,863
48,924,822
-
-
-
53,464
9,231,863
48,978,286
-
-
-
-
253,499
60
139,945
709
-
-
-
-
139,945
709
-
-
-
86,815
12,438
78,212,734
19,061,744
83,184,788
4,748,352
-
-
-
86,624
10,822
83,271,412
4,759,174
-
-
-
-
5,115,026
-
-
-
-
-
-
-
14,178
-
-
-
10,547,770
7,551,193
7,579,522
41,731
490
-
-
7,551,193
7,621,743
76,207
400,032
-
-
145,944
789,199
4,356,567
6,152,851
2,630,910
3,367,705
63,194
307,758
8,952
52,581
-
145,944
675,092
2,849,000
4,403,136
4,703,052
4,689,961
13,091
11,734,542
9,736,196
1,998,346
3,268,145
1,603,535
1,664,610
3,478,478
-
306,612
306,612
493,536
329,554
163,982
50,841
50,841
94,732
-
559,084
559,084
506,321
505,438
883
18,729
18,729
108,817
510
1,706,805
1,706,805
3,763,759
2,419,575
1,344,184
1,560,742
785,636
775,106
297,299
-
64,588,948
63,949,608
639,340
343,355,679
285,268,752
58,086,927
11,195,860
5,533,386
5,662,474
29,471,514
1,955
510
50,037,355
49,693,806
343,549
267,155,667
222,985,059
44,170,608
6,772,319
3,488,802
3,283,517
29,555,704
1,955
-
3,527,691
3,507,960
19,731
9,666,668
7,379,205
2,287,463
3,779,457
1,671,391
2,108,066
2,803,900
-
402,787
402,787
384,573
384,522
51
360,865
360,865
77,849
-
525,191
525,191
505,903
491,895
14,008
27,540
27,540
76,543
3,156
1,115,471
1,115,471
3,581,485
2,419,871
1,161,614
951,872
668,513
283,359
286,548
-
55,608,495
55,245,215
363,280
281,294,296
233,660,552
47,633,744
11,892,053
6,217,111
5,674,942
32,800,544
1,955
3,156
413,127
212,479
-
1,372
-
3,080
-
63,978
4,923
19,815
92,546,394
59,367,460
19,815
99,601,648
44,796,925
-
405,860
192,821
-
48,951
9,139
-
1,696
-
27,415
7,659
19,815
100,085,570
45,006,544
19,815
16,732,967
12,803,987
15.56%
6.67%
48.22%
44.98%
14,475,716
13,888,069
16.32%
6.73%
45.62%
42.52%
10,527,668
556,310
552,940
-
11,087,159
569,058
918,131
-
(In Millions of Rupiah)
31 March 2014
Allowance for Impairment
Individual
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
I.
Total
-
As at 31 March 2014 and 2013
DESCRIPTION
Loss
-
ALLOWANCES FOR IMPAIRMENT
No.
No.
31 March 2013
Doubtful
50,979
140,472
214,706
1,361,793
9,079,181
41,966
255
152,426
Collective
25,298
7,311
34,755
23,595
5,752,656
72,554
14,313,290
13,404,727
908,563
5,063,876
4,853,884
209,992
9,249,414
1,782,980
1,198,692
584,288
9,833,702
11,401,529
10,704,014
697,515
3,715,812
3,575,603
140,209
7,685,717
1,668,200
1,057,738
610,462
8,296,179
2,997,997
2,855,152
3,527,618
3,272,941
4,259
355,284
-
174,324
-
94,495
355,285
-
11,002
178,814
-
55,863
42,288
1,874,950
665,353
5,518,689
32,041
42,803
4,661
1,595,686
1,005,637
4,763,208
63,217
49,196
2,134,800
830,625
6,897,882
34,745
47,238
1,869,510
1,131,632
5,961,484
-
5,760
-
-
-
-
-
-
-
2,842
872,269
165,513
(11,952)
161,454
42,703
2,021,833
157,209
2,106,818
(2,520,692)
5,639,253
7,376
852,626
88,813
4,583
127,046
4,331
1,557,612
157,893
1,957,168
(1,908,056)
4,809,912
2,781
952,358
233,139
(11,952)
161,454
40,857
2,544,074
185,598
2,789,573
(3,370,264)
6,463,438
7,339
951,060
121,768
4,583
127,046
4,310
1,971,012
181,152
2,593,214
(2,688,543)
5,607,636
3,119
(4,066)
(947)
5,638,306
3,000
14,655
17,655
4,827,567
3,121
(7,585)
(4,464)
6,458,974
3,056
39,314
42,370
5,650,006
(532,050)
(444,360)
(887,771)
(448,507)
3,851,157
(7,290)
718,486
(113,507)
597,689
573,016
5,695,712
4,433,216
4,499,903
4,499,903
3,851,157
3,851,157
4,924,529
198,167
5,122,696
4,303,354
162,508
4,465,862
5,097,592
5,097,592
-
3,816,533
3,816,533
-
5,497,545
198,167
5,695,712
211.05
4,270,708
162,508
4,433,216
184.43
31 March 2013
Required Allowance for
Possible Losses on Earning Assets
General
Spesific
234,750
2,507
136,310
105,705
90,980
3,913,751
50
714,612
50,979
99,253
709
958,955
6,945,200
264,583
255
85,981
Allowance for Impairment
Individual
53,464
128,977
7,699
1,194,261
8,255,732
22,333
1,578
180,399
Collective
51,528
5,276
27,334
19,291
4,708,243
10,591
Required Allowance for
Possible Losses on Earning Assets
General
Spesific
401,103
1,371
85,408
45,665
75,795
59,986
4,814,186
50
559,091
53,464
97,446
2,160
848,814
7,136,460
264,583
1,578
113,696
Notes :
1. Presentation of the above Published Financial Statement as at and for three months ended 31 March 2014 and 2013 are derived from the Consolidated Financial Statement of PT Bank Mandiri (Persero) Tbk. and Subsidiaries
(unaudited), and Consolidated Financial Statement as at and for the years ended 31 December 2013 are derived from the consolidated Financial Statement 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 for 2013 : Drs. Haryanto Sahari, CPA whose report dated 10 February 2014 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 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.
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. Exchange rate of 1 US Dollar as at 31 March 2014, 31 March 2013 and 31 December 2013 were Rp11,360.00; Rp9,717.50 and Rp12,170.00 respectively.
(In Millions of Rupiah)
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.
II.
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)}
BANK
31 March 2013
CONSOLIDATED
II.
(In Millions of Rupiah)
BANK
CONSOLIDATED
72,334,592
11,666,667
62,226,121
62,450,863
17,476,308
2,333,333
4,399,179
35,651,339
2,471,984
118,720
-
77,623,462
11,666,667
66,303,971
66,541,775
17,316,192
2,333,333
4,399,179
39,628,823
2,686,518
177,730
-
63,723,971
11,666,667
53,654,763
53,924,433
17,195,760
2,333,333
547,000
31,568,382
2,147,759
132,199
-
68,980,776
11,666,667
57,759,768
58,042,500
17,195,760
2,333,333
547,000
35,481,670
2,376,967
107,770
-
(224,742)
-
(237,804)
-
(269,670)
-
(282,732)
-
-
-
-
-
-
-
-
-
-
-
-
-
(224,742)
(237,804)
(269,670)
(282,732)
(1,558,196)
(1,558,196)
-
(724,476)
(117,741)
(606,735)
377,300
(1,597,459)
(1,597,459)
-
(755,817)
(105,666)
(650,151)
310,158
7,218,345
6,661,582
1,371,121
5,290,461
8,593,467
7,085,243
1,371,121
5,714,122
7,336,264
5,840,535
1,371,121
4,469,414
8,781,479
6,338,442
1,371,121
4,967,321
2,114,959
2,114,959
(1,558,196)
(1,558,196)
-
2,114,959
2,114,959
(606,735)
(606,735)
-
3,093,188
3,093,188
(1,597,459)
(1,597,459)
-
3,093,188
3,093,188
(650,151)
(650,151)
-
-
-
-
-
79,552,937
86,216,929
71,060,235
77,762,255
79,552,937
423,236,853
67,718,732
1,554,399
86,216,929
468,923,511
79,511,930
1,918,566
71,060,235
357,553,111
57,676,323
1,681,727
77,762,255
397,385,672
67,581,862
2,580,551
16.20%
15.72%
17.11%
16.72%
16.15%
15.67%
17.04%
16.63%
SHAREHOLDER
CONSOLIDATED
31 March 2014 31 December 2013 31 March 2014
(Audited)
COMMITMENT PAYABLES
1. Unused loan facilities granted to customer
a. BUMN
i. Committed
- Rupiah
- Foreign currencies
ii. Uncommitted
- Rupiah
- Foreign currencies
b. Others
i. Committed
ii. Uncommitted
2. Unused loan facilities granted to other banks
a. Committed
i. Rupiah
ii. Foreign currencies
b. Uncommitted
i. Rupiah
ii. Foreign currencies
3. Outstanding irrevocable letters of credit
a. Foreign L/C
b. Local L/C
4. Outstanding sales position on spot and derivative
5. Others
III.
CONTINGENT RECEIVABLES
1. Guarantees received
a. Rupiah
b. Foreign currencies
2. Unrecognized interest income
a. Interest loan
b. Others interest
3. Others
IV. CONTINGENT PAYABLES
1. Guarantees issued
a. Rupiah
b. Foreign currencies
2. Others
31 December 2013
(Audited)
275,859
-
347,357
-
275,859
-
347,357
-
5,236,742
729,779
7,591,000
793,437
5,236,742
729,779
7,591,000
793,437
11,340,501
555,140
11,372,089
584,900
11,340,501
555,140
11,372,089
584,900
21,554,684
43,720,888
20,460,055
42,999,343
21,557,127
44,918,871
20,462,699
44,257,143
56,674
-
62,025
-
56,674
-
62,025
-
17,400
-
28,300
-
17,400
-
28,300
-
10,132,441
2,781,052
149,023
-
11,739,958
3,321,460
238,689
-
10,547,926
2,860,658
149,023
-
11,861,603
3,356,527
238,689
-
356,466
16,808,809
359,299
18,195,261
359,069
16,811,871
361,902
18,198,552
6,617,169
51,949
32,729
6,889,648
51,949
32,729
6,623,656
545,527
32,729
6,895,977
495,657
32,729
21,416,265
37,408,215
290,149
25,274,039
39,643,850
256,757
21,555,239
37,458,111
290,149
25,404,802
39,667,080
256,757
STATEMENTS OF CASH FLOWS
For the Periods Ended 31 March 2014 and 2013
(In Millions of Rupiah)
CONSOLIDATED
DESCRIPTION
31 March 2014 31 March 2013*)
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/ (losses) - net
Operating income - others
Operating expenses - others
Salaries and employee benefits
General and administrative expenses
Non operating income
Cash Flow From Operating Activities Before Changes in Operating Assets and Liabilities
Decrease/(increase) in operating assets:
Placements with Bank Indonesia and other banks
Marketable securities - Fair value through profit or loss
Other receivables - trade transactions
Loans
Securities purchased under resale agreements
Consumer financing receivable
Net investment in lease financing
Prepaid taxes
Prepaid expense
Other assets
Proceeds from collection of financial assets already written - off
Increase/(decrease) in operating liabilities and temporary syirkah funds:
Conventional Banking
Demand deposits
Saving deposits
Time deposits
Inter-bank call money
Obligation due immediately
Liability to unit linked holders
Other taxes payable
Payment of corporate income tax
Other liabilities
Sharia Banking - Temporary Syirkah Funds
Demand deposit - restricted investment and demand deposit - mudharabah musytarakah
Saving deposit - restricted investment and mudharabah saving deposit - unrestricted investment
Mudharabah time deposit - unrestricted investment
Net cash provided by operating activities
(32,646)
3,816,533
COMPONENTS OF CAPITAL
COMMITMENT RECEIVABLES
1. Unused fund borrowings facilities
a. Rupiah
b. Foreign currencies
2. Outstanding purchase position on spot and derivative
3. Others
59,598
(115,305)
23,061
-
5,097,592
31 March 2014
I.
4,465,862
(43,890)
733,395
(116,489)
-
(34,624)
DESCRIPTION
(734,468)
(449,676)
5,122,696
59,506
(117,662)
23,532
-
No.
31 March 2013
9,858,438
9,203,594
654,844
3,140,470
3,001,625
138,845
6,717,968
6,717,968
(In Millions of Rupiah) As at 31 March 2014 and 2013
BANK
Current
31 March 2014
STATEMENTS OF CALCULATION OF CAPITAL ADEQUACY RATIO
COMMERCIAL BANK
As at 31 March 2014 and 2013
As at 31 March 2014 and 31 December 2013
BANK
12,486,368
11,622,429
863,939
4,326,423
4,118,965
207,458
8,159,945
8,159,945
Other comprehensive income current year after income tax - net
TOTAL OTHER COMPREHENSIVE INCOME CURRENT YEAR
STATEMENTS OF ASSETS’ QUALITY AND OTHER INFORMATION
DESCRIPTION
31 March 2013
4,499,903
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
STATEMENTS OF COMMITMENTS AND CONTINGENCIES
CONSOLIDATED
(694,339)
(444,064)
PROFIT (LOSS) AFTER INCOME TAX - NET
*) 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)
CASH FLOWS FROM INVESTING ACTIVITIES
Increase in marketable securities - Available for sale and Held to maturity
Increase in government bonds - Available for sale and Held to maturity
Proceeds from sale of fixed assets
Acquisition of fixed assets
Acquisition of intangible assets
Increase in non - controlling interests
Net cash used in investing activities
CASH FLOWS FROM FINANCING ACTIVITIES
Increase of investment in Subsidiaries
Decrease in marketable securities issued
(Decrease)/increase in fund borrowings
Payment of Subordinated Loans
Increase liabilities sold with repo agreements to repurchase (Repo)
Payments of dividends, partnership program and community development program
Net cash provided by/(used in) financing activities
NET INCREASE IN CASH AND CASH EQUIVALENTS
EFFECT OF EXCHANGE RATE CHANGES ON CASH AND CASH EQUIVALENT
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
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
13,511,794
2,714,290
(5,220,805)
8,845,801
(9,165,895)
(2,908,477)
309,125
(837,304)
(3,606,834)
(2,030,885)
(4,464)
1,606,346
11,130,674
2,471,678
(3,945,359)
9,824,758
(9,198,023)
(402,765)
108,204
(546,052)
(2,810,700)
(1,816,096)
42,371
4,858.690
(821,102)
(3,843,881)
(1,554,293)
2,276,768
2,959,254
(801,117)
(53,120)
(45,119)
(406,106)
(1,480,150)
526,297
(14,162)
(1,625,709)
(327,385)
(2,803,987)
6,627,718
(506,746)
(100,469)
(1,165,098)
(242,426)
(820,060)
903,958
(12,261,342) (19,257,038)
(11,675,597) (7,155,366)
6,968,019 19,217,501
2,527,550
3,659,250
308,277
(238,357)
1,956,555
1,707,959
762,357
(220,328)
(1,560,169)
(575,455)
9,606,796
1,353,460
676
(569,549)
2,142,212
(3,430,438)
(104)
488,968
1,771,653
5,536,467
(593,835)
(7,382,805)
168
(63,194)
(8,194)
(8,047,860)
(3,112,138)
(992,054)
1,304
(98,811)
(14,318)
(4,216,017)
644,596
229,276
(6,835)
(41,586)
(94,015)
107,602
(715,137)
(17,964)
(65,675)
(5,461,126)
(5,698,192)
277,328
(17,176,490)
1,597,778
1,969,476
712,813
121,023,158 111,503,789
105,816,144 113,814,380
14,501,262
44,403,115
15,745,928
31,160,839
5,000
105,816,144
11,907,840
38,078,495
25,078,817
38,719,386
29,842
113,814,380
(800,334)
(582,096)
(501,693)
(441,997)
* ) For comparative purposes, certain accounts in the Statement of Cash Flows as at and for three months ended 31 March 2013 have
been reclassified to conform with the presentation of Statement of Cash Flows as at and for three months ended 31 March 2014.
STATEMENTS OF CALCULATION OF FINANCIAL RATIOS
As at 31 March 2014 and 2013
(In %)
BANK
No.
RATIOS
31 March 2014 31 March 2013
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
16.15%
17.04%
1.24%
1.53%
2.87%
1.76%
0.45%
3.55%
24.56%
5.94%
63.58%
86.61%
1.27%
1.57%
2.82%
1.90%
0.43%
3.48%
24.26%
5.50%
62.17%
80.95%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
8.11%
8.10%
2.29%
8.00%
8.44%
0.84%
STATEMENTS OF SPOT AND DERIVATIVE TRANSACTIONS
Ultimate Shareholder
As at 31 March 2014
(In Millions of Rupiah)
BANK
No.
MANAGEMENT OF THE BANK
Board of Commissioners
- President Commissioner
(concurrently Independent Commissioner)
- Commissioner
- Independent Commissioner
- Independent Commissioner
- Independent Commissioner
- Commissioner
- Commissioner
:
:
:
:
:
:
Wahyu Hidayat
Pradjoto
Gunarni Soeworo
Krisna Wijaya
Agus Suprijanto
Abdul Aziz
Board of Directors
- President Director
- Deputy President Director
- Director
- Director
- Director
- Director
- Director
- Director
- Director
- Director
- Director
:
:
:
:
:
:
:
:
:
:
:
Budi Gunadi Sadikin
Riswinandi
Abdul Rachman
Sentot A. Sentausa
Ogi Prastomiyono
Pahala N. Mansury
Fransisca N. Mok
Sunarso
Kresno Sediarsi
Royke Tumilaar
Hery Gunardi
: Edwin Gerungan
TRANSACTION
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
Type
Notional Amount
Derivative Receivables & Payables
Trading
Hedging
Receivables
Payables
5,656,612
32,402,754
5,100,733
65,221
555,879
6,212,583
2,861
97,902
5,528
62,605
32,402,755
-
32,385,950
-
16,805
-
138,641
-
50,940
-
-
-
-
-
-
8,600,000
-
-
8,600,000
-
14,155
-
17,324
-
79,062,121
37,551,904
15,385,267
253,559
136,397
Jakarta, 29 April 2014
S. E & O
Board of Directors
PT Bank Mandiri (Persero) Tbk.
Budi G. Sadikin
President Director
Pahala N. Mansury
Director