Q2 2014 June English
CON SOLI D ATED FI N AN CI AL STATEM EN TS
PT Bank M andiri (Persero) Tbk. and Subsidiaries
STATEMENTS OF FINANCIAL POSITION
As at 30 June 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.
STATEMENTS OF COMPREHENSIVE INCOME
For the Periods Ended 30 June 2014 and 2013
(In Millions of Rupiah)
BANK
DESCRIPTION
30 June 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
CONSOLIDATED
31 December 2013
(Audited)
30 June 2014
BANK
14,511,692
75,213,662
21,667,199
416,617
17,226,616
69,819,352
23,710,890
175,947
16,347,441
81,664,291
24,620,924
416,789
19,051,934
78,521,140
24,650,787
175,947
1,237,630
68,678,553
24,841,341
7,232,155
1,815,222
10,274,341
1,470,994
61,370,553
24,945,188
13,210
5,182,903
3,103,351
10,178,370
17,948,592
69,289,867
28,521,713
7,232,155
2,716,459
10,274,341
14,866,672
62,197,173
26,518,455
13,210
5,182,903
3,737,613
10,178,370
430,384,751
4,172,607
-
416,978,030
3,159,465
-
479,558,969
5,564,703
8,580
-
467,170,449
4,644,901
7,891
-
(134,942)
(15,463,621)
(1,782,158)
2,184,989
(1,372,536)
12,175,492
(5,156,413)
(148,728)
(15,002,015)
(1,677,609)
2,178,033
(1,288,191)
11,700,899
(4,807,311)
(276,860)
(17,279,077)
(1,930,570)
2,825,205
(1,460,617)
13,891,869
(6,094,054)
(292,049)
(16,535,651)
(1,774,259)
2,514,368
(1,354,113)
13,258,249
(5,612,651)
150,039
19,815
432,226
151,090
19,815
427,009
150,272
33,838
432,226
(287,147)
4,093,766
15,555,697
648,250,177
(305,156)
720,128
3,380,912
26,685,271
764,938,211
(300,209)
619,691
4,322,498
20,724,273
733,099,762
115,288,726
205,015,797
181,045,318
34,607,520
127,568
6,446,874
10,274,341
564
116,250,862
214,128,654
169,338,524
12,658,783
230,621
4,656,149
10,178,370
564
119,470,491
226,152,840
210,297,128
34,376,499
127,637
6,446,874
10,274,341
1,923,363
123,445,524
236,510,887
196,385,250
12,669,235
231,955
4,656,149
10,178,370
1,674,299
3,765,024
12,594,865
1,704,474
4,470,615
13,996,524
2,061,958
3,750,024
15,951,315
1,704,474
4,465,615
15,999,539
2,061,958
12,922,352
(12,896,287)
17,078,407
587,975,543
8,729,833
(8,753,251)
17,740,655
565,688,861
12,922,352
(12,896,287)
14,671,499
25,805,342
670,977,892
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
-
121,764
(897,598)
167,224
-
17,316,192
-
126,010
(1,760,611)
347,529
-
PROFIT (LOSS) AFTER INCOME TAX - NET
2,333,333
2,050,894
2,333,333
4,399,179
2,333,333
2,050,894
42,511,775
8,993,783
86,772,435
86,772,435
674,747,978
33,108,218
17,212,968
82,561,316
82,561,316
648,250,177
47,438,360
9,585,405
92,218,399
1,741,920
93,960,319
764,938,211
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
As at 30 June 2014 and 2013
30 June 2014
Current
I.
RELATED PARTIES
1. Placements with other banks
a. Rupiah
22
b. Foreign currencies
1,363,473
2. Spot and derivative receivables
a. Rupiah
b. Foreign currencies
3. Securities
a. Rupiah
248,813
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
19,047
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
7,487,467
i. Rupiah
3,567,091
ii. Foreign currencies
3,920,376
c. Restructured loans
i. Rupiah
ii. Foreign currencies
d. Property loans
14,964
9. Investments in shares
3,644,451
10. Temporary investment
11. Commitments and contingencies
a. Rupiah
497,386
b. Foreign currencies
2,789,183
12. Repossessed assets
II. THIRD PARTIES
1. Placements with other banks
20,095,365
a. Rupiah
33,905,216
b. Foreign currencies
2. Spot and derivative receivables
416,479
a. Rupiah
138
b. Foreign currencies
3. Securities
77,027,064
a. Rupiah
17,394,784
b. Foreign currencies
4. Securities sold with agreement to repurchase (Repo)
7,232,155
a. Rupiah
b. Foreign currencies
5. Securities purchased with agreement to resell (Reverse Repo)
1,815,222
a. Rupiah
b. Foreign currencies
10,127,876
6. Acceptances receivables
7. Other receivable - trade transaction
4,247,624
a. Rupiah
7,832,157
b. Foreign currencies
8. Loans
58,309,796
a. Micro, small and medium loans (UMKM)
58,051,117
i. Rupiah
258,679
ii. Foreign currencies
339,096,824
b. Non UMKM
284,162,848
i. Rupiah
54,933,976
ii. Foreign currencies
6,254,704
c. Restructured loans
3,243,318
i. Rupiah
3,011,386
ii. Foreign currencies
25,121,974
d. Property loans
1,955
9. Investments in shares
10. Temporary investment
11. Administrative account transaction
a. Rupiah
98,586,252
b. Foreign currencies
62,225,570
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
-
-
22
1,363,473
211
75,191
-
-
-
-
211
75.191
-
-
-
-
-
2
-
-
-
-
2
-
-
-
-
248,813
-
150,630
-
-
-
-
-
150,630
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
19,047
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
2,399
2,399
-
-
414,227
-
111,469
-
7,489,866
3,569,490
3,920,376
14,964
4,170,147
-
3,776,935
3,657,935
119,000
88,821
2,745,740
-
665
665
665
-
-
474,227
-
3
3
3
27,469
-
3,777,603
3,658,603
119,000
89,489
3,247,436
-
182
-
-
-
-
497,568
2,789,183
-
297,673
157,226
-
-
-
-
-
297,673
157,226
-
-
-
-
53,073
20,095,365
33,958,289
21,532,983
31,333,622
-
-
-
55,832
21,532,983
31,389,454
-
-
-
-
416,479
138
38,759
904
-
-
-
-
38,759
904
-
-
-
86,863
-
77,113,927
17,394,784
77,333,099
7,810,752
-
-
-
86,672
10,850
77,419,771
7,821,602
-
-
-
-
7,232,155
-
5,457,684
-
-
-
-
-
5,457,684
-
127,418
-
-
-
1,815,222
10,255,294
1,528,551
7,817,699
9,617
-
-
194
1,528,551
7,827,510
82,928
520,030
-
-
145,944
823,588
4,476,496
9,175,775
2,671,959
4,609,362
49,504
361,957
-
-
145,944
689,507
2,867,407
5,660,826
4,948,532
4,938,978
9,554
12,879,705
10,533,214
2,346,491
3,497,343
1,695,240
1,802,103
3,539,813
-
295,920
295,920
497,343
329,772
167,571
17,386
17,386
97,530
-
553,098
553,098
955,192
493,042
462,150
560,515
98,365
462,150
76,163
505
1,760,761
1,760,761
3,597,714
2,751,432
846,282
1,134,818
789,130
345,688
324,546
-
65,868,107
65,599,874
268,233
357,026,778
298,270,308
58,756,470
11,464,766
5,843,439
5,621,327
29,160,026
1,955
505
54,330,454
53,979,870
350,584
295,934,902
246,412,846
49,522,056
7,353,927
3,919,530
3,434,397
31,795,685
1,955
-
3,671,672
3,655,080
16,592
10,809,260
8,732,834
2,076,426
3,453,438
1,532,444
1,920,994
3,037,040
-
257,772
257,772
295,690
288,008
7,682
143,893
143,893
80,515
-
509,174
509,174
385,318
374,386
10,932
237,340
237,340
60,703
2,922
1,386,258
1,386,258
3,845,826
2,659,117
1,186,709
952,550
663,140
289,410
302,804
-
60,155,330
59,788,154
367,176
311,270,996
258,467,191
52,803,805
12,141,148
6,496,347
5,644,801
35,276,747
1,955
2,922
513,640
184,665
-
2,065
14
-
2,342
-
87,331
1,345
19,815
99,191,630
62,411,594
19,815
89,087,543
48,790,908
-
553,850
163,927
-
46,066
1,588
-
2,021
-
36,766
8,276
19,815
89,726,246
48,964,699
19,815
17,380,721
13,570,286
15.30%
6.71%
48.47%
45.32%
15,185,813
14,660,372
16.03%
6.57%
46.04%
42.90%
10,701,957
1,273,997
1,317,936
-
10,631,447
946,847
1,600,659
-
(In Millions of Rupiah)
30 June 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 30 June 2014 and 2013
DESCRIPTION
Loss
-
ALLOWANCES FOR IMPAIRMENT
No.
No.
30 June 2013
Doubtful
53,073
127,795
149,791
1,439,119
9,312,326
40,582
253
196,216
Collective
27,937
7,147
37,297
34,106
6,151,295
33,725
30 June 2014
23,114,382
21,711,928
1,402,454
7,513,684
7,243,711
269,973
15,600,698
3,466,342
2,142,857
1,323,485
16,924,183
6,377,901
6,190,496
7,275,163
6,627,189
1,506
684,145
-
514,647
-
81,863
684,145
-
528,342
-
102,226
87,386
38,722
3,868,494
1,112
1,594,310
11,560,870
30,205
85,622
423,181
3,370,997
1,765,844
9,922,731
116,948
100,148
4,363,575
2,513
1,925,971
14,606,938
32,450
96,120
3,950,959
2,019,318
12,785,639
-
5,349
-
-
102,185
-
-
-
-
-
2,107,619
139,847
2,392
332,983
44,574
4,069,840
308,670
4,554,945
(5,182,969)
11,259,495
12,129
1,855,283
138,659
5,035
259,209
18,393
3,316,353
336,283
3,976,038
(3,732,235)
9,820,993
2,548,161
253,568
2,392
332,983
39,614
5,129,742
354,978
5,945,500
(7,331,775)
12,552,148
10,707
2,307,526
169,962
5,035
259,209
17,945
4,205,608
388,924
5,318,538
(6,158,450)
10,765,733
3,342
3,457
6,799
11,266,294
2,996
31,056
34,052
9,855,045
3,342
1,971
5,313
12,557,461
2,996
108,699
111,695
10,877,428
(1,458,134)
(814,377)
(1,117,075)
(798,192)
(1,774,253)
(817,654)
(1,469,181)
(799,438)
8,993,783
7,939,778
9,965,554
8,608,809
(4,246)
863,012
(180,304)
-
62,398
(722,097)
144,420
-
678,462
(19,260)
877,306
(183,163)
-
(515,279)
30 June 2013
Required Allowance for
Possible Losses on Earning Assets
General
Spesific
552,711
4,166
154,188
101,469
120,798
4,048,941
50
756,300
53,073
86,863
6,371
999,680
7,123,141
318,582
253
125,083
Allowance for Impairment
Individual
55,832
133,339
78,050
1,177,145
8,436,209
59,987
1,461
193,632
61,911
(730,180)
146,036
-
674,883
(522,233)
9,672,245
7,424,499
10,640,437
8,086,576
8,993,783
8,993,783
7,939,778
7,939,778
9,585,405
380,149
9,965,554
8,294,010
314,799
8,608,809
9,672,245
9,672,245
-
7,424,499
7,424,499
-
10,260,288
380,149
10,640,437
410.81
7,771,777
314,799
8,086,576
355.46
Collective
26,437
5,871
28,889
26,820
5,155,773
12,936
Required Allowance for
Possible Losses on Earning Assets
General
Spesific
177,519
316
106,250
15,286
78,177
72,813
5,464,336
50
596,595
55,832
97,522
675
856,024
7,469,528
264,583
1,461
67,402
Notes :
1) Presentation of the above Published Financial Statement as at and for six months ended 30 June 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) 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.
5) Exchange rate of 1 US Dollar as at 30 June 2014, 30 June 2013 and 31 December 2013 were Rp11,855.00; Rp9,925.00 and Rp12,170.00 respectively.
(In Millions of Rupiah)
COMPONENTS OF CAPITAL
COMPONENTS
A. Core Capital
1. Paid-in Capital
2. Disclosed Reserves
2.1. Additional
a. Agio
b. Donated capital
c. General reserves
d. Appropriated reserves
e. Previous years profit (100%)
f. Current year profit (50%)
g. Differences arising from translation of financial statement
h. Funds for Paid-up Capital
i. Warrant issued (50%)
j. Stock option issued for stock-based
compensation program (50%)
2.2. Deduction
a. Disagio
b. Previous years loss (100%)
c. Current year loss (100%)
d. Differences arising from translation of financial
statement
e. Other comprehensive income: Losses from
decrease in fair value of investment in shares
classified Available for sale
f. Difference in allowance for possible losses and
allowance for impairment on earning assets
g. Allowance for impairment on non earning
assets which shall be calculated
h. Difference in adjustment amounts from fair value
of financial assets in trading book
3. Innovative Capital
3.1. Subordinated bonds (non cummulative perpetual)
3.2. Subordinated loans (non cummulative perpetual)
3.3. Other innovative capital Instrument
4. Core Capital Deduction
4.1. Goodwill
4.2. Other intangible assets
4.3. Investments in shares (50%)
4.4. Shortage of capital on insurance subsidiaries (50%)
5. Non Controlling Interest
B. Supplemental Capital
1. Upper Tier 2
1.1. Preference stock (cummulative perpetual)
1.2. Subordinated bonds (cummulative perpetual)
1.3. Subordinated loans (cummulative perpetual)
1.4. Mandatory convertible bond
1.5. Innovative capital not included as core capital
1.6. Other supplemental capital (upper tier 2)
1.7. Fixed assets revaluation
1.8. General provision on earning assets (max. 1.25% RWA)
1.9. Other comprehensive income: Gain from increase in fair
value of investment in shares classified as
Available for sale (45%)
2. Lower Tier 2 maximum 50% of Core Capital
2.1. Redeemable preference shares
2.2. Subordinated loans and bonds
2.3. Other supplemental capital instrument (lower tier 2)
3. Supplemental Capital Deduction
3.1. Investments in shares (50%)
3.2. Shortage of capital on insurance subsidiaries (50%)
C. Core Capital and Supplemental Capital Deduction
Securitisation exposure
D. Additional Supplemental Capital Fulfilling Requirement (Tier 3)
E. Additional Supplemental Capital Allocated To
Anticipate Market Risk
II.
III.
(In Millions of Rupiah)
TOTAL CORE CAPITAL AND SUPPLEMENTAL CAPITAL (A+B-C)
TOTAL CORE CAPITAL,SUPPLEMENTAL CAPITAL, AND
ADDITIONAL SUPPLEMENTAL CAPITAL ALLOCATED TO
ANTICIPATE MARKET RISK (A+B-C+E)
IV. CREDIT RISK-WEIGHTED ASSETS
V. OPERATIONAL RISK-WEIGHTED ASSETS
VI. MARKET RISK-WEIGHTED ASSETS
VII. REQUIRED MINIMUM CAPITAL ADEQUACY RATIO FOR
CREDIT RISK AND OPERATIONAL RISK {II:(IV+V)}
VIII. REQUIRED MINIMUM CAPITAL ADEQUACY RATIO FOR
CREDIT RISK, OPERATIONAL RISK AND MARKET
RISK {III:(IV+V+VI)}
30 June 2014
BANK
30 June 2013
CONSOLIDATED
No.
DESCRIPTION
I.
COMMITMENT RECEIVABLES
1. Unused fund borrowings facilities
a. Rupiah
b. Foreign currencies
2. Outstanding purchase position on spot and derivative
3. Others
30 June 2014
30 June 2013
29,291,415
27,413,796
1,877,619
10,667,145
10,263,532
403,613
18,624,270
4,077,524
2,817,871
1,259,653
19,883,923
(In Millions of Rupiah) As at 30 June 2014 and 2013
BANK
DESCRIPTION
30 June 2013
STATEMENTS OF CALCULATION OF CAPITAL ADEQUACY RATIO
COMMERCIAL BANK
STATEMENTS OF ASSETS’ QUALITY AND OTHER INFORMATION
As at 30 June 2014 and 31 December 2013
BANK
19,876,850
18,558,494
1,318,356
6,323,622
6,055,591
268,031
13,553,228
13,553,228
Other comprehensive income current year after income tax - net
TOTAL OTHER COMPREHENSIVE INCOME CURRENT YEAR
STATEMENTS OF COMMITMENTS AND CONTINGENCIES
CONSOLIDATED
25,586,042
23,800,817
1,785,225
9,143,578
8,743,484
400,094
16,442,464
16,442,464
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
221,620
(1,765,808)
348,568
-
2,333,333
4,399,179
30 June 2014
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)
17,316,192
-
202,360
(888,502)
165,405
-
DESCRIPTION
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)
151,323
33,838
427,009
(292,093)
3,108,712
20,432,698
674,747,978
17,476,308
-
No.
31 December 2013
(Audited)
*) 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)
BANK
CONSOLIDATED
74,258,685
11,666,667
64,657,908
64,886,003
17,476,308
2,333,333
4,399,179
35,651,339
4,904,080
121,764
-
79,848,780
11,666,667
68,843,614
69,081,418
17,316,192
2,333,333
4,399,179
39,628,823
5,201,529
202,362
-
61,294,930
11,666,667
51,223,085
51,497,332
17,195,760
2,333,333
2,050,894
25,413,268
4,368,985
135,092
-
66,612,484
11,666,667
55,274,344
55,561,653
17,195,760
2,333,333
2,050,894
29,325,353
4,546,724
109,589
-
(228,095)
-
(237,804)
-
(274,247)
-
(287,309)
-
-
-
-
-
-
-
-
-
-
-
-
-
(228,095)
(237,804)
(274,247)
(287,309)
(2,065,890)
(2,065,890)
-
(1,056,651)
(117,741)
(938,910)
395,150
(1,594,822)
(1,594,822)
-
(632,829)
(117,741)
(515,088)
304,302
6,701,247
6,820,828
1,371,121
5,449,707
8,336,535
7,329,136
1,371,121
5,958,015
7,416,605
6,161,729
1,371,121
4,790,608
9,032,577
6,697,967
1,371,121
5,326,846
1,946,309
1,946,309
(2,065,890)
(2,065,890)
-
1,946,309
1,946,309
(938,910)
(938,910)
-
2,849,698
2,849,698
(1,594,822)
(1,594,822)
-
2,849,698
2,849,698
(515,088)
(515,088)
-
-
-
-
-
80,959,932
88,185,315
68,711,535
75,645,061
80,959,932
435,976,522
67,786,852
1,059,349
88,185,315
481,926,449
79,511,930
1,306,492
68,711,535
383,248,592
57,671,278
1,072,285
75,645,061
426,147,709
67,581,862
886,610
16.07%
15.71%
15.58%
15.32%
16.04%
15.67 %
15.55%
15.29%
SHAREHOLDER
II.
III.
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
CONSOLIDATED
31 December 2013
(Audited)
30 June 2014
31 December 2013
(Audited)
433,362
-
347,357
-
433,362
-
347,357
-
5,013,188
384,590
7,591,000
793,437
5,013,188
384,590
7,591,000
793,437
13,262,259
564,209
11,372,089
584,900
13,262,259
564,209
11,372,089
584,900
21,928,600
47,765,193
20,460,055
42,999,343
21,930,747
48,728,730
20,462,699
44,257,143
41,328
-
62,025
-
41,328
-
62,025
-
24,500
-
28,300
-
24,500
-
28,300
-
10,279,956
2,951,610
170,448
-
11,739,958
3,321,460
238,689
-
10,324,569
3,013,594
170,448
-
11,861,603
3,356,527
238,689
-
283,537
18,253,874
359,299
18,195,261
285,980
18,256,835
361,902
18,198,552
7,033,841
51,949
32,729
6,889,648
51,949
32,729
7,039,172
649,407
32,729
6,895,977
495,657
32,729
22,020,396
40,654,146
336,714
25,274,039
39,643,850
256,757
22,221,518
40,720,943
336,714
25,404,802
39,667,080
256,757
STATEMENTS OF CASH FLOWS
For the Periods Ended 30 June 2014 and 2013
(In Millions of Rupiah)
CONSOLIDATED
DESCRIPTION
30 June 2014
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
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
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
30 June 2013*)
28,187,558 22,781,871
5,601,936
5,289,357
(11,044,294) (7,982,908)
13,854,167 16,703,842
(14,382,366) (15,806,461)
(3,143,768)
405,642
660,037
159,288
(1,549,823)
(930,439)
(5,592,930) (4,667,501)
(4,411,763) (3,908,353)
5,312
111,696
8,184,066 12,156,034
442,684
(1,082,520)
(3,613,080) (1,284,695)
(4,808,738) (1,682,339)
(13,869,189) (39,982,570)
1,021,154 12,559,737
(981,869) (1,021,167)
(100,189)
(218,660)
(222,021) (1,232,080)
(375,236)
(147,349)
(725,964) (1,219,101)
1,287,226
1,562,768
(3,865,681)
(8,913,939)
27,726,302
5,106,525
570,812
2,668,502
(1,083,131)
(2,139,225)
3,948,100
(80,846)
3,251,978
21,600,126
284,243
(285,333)
1,607,599
(113,596)
(3,477,112)
879,099
(2,555)
(1,050,441)
2,283,500
11,487,613
1,556
969,380
2,822,629
5,867,781
(3,390,645)
(5,384,520)
360
(607,427)
(71,669)
(9,453,901)
(4,971,588)
(2,255,529)
(41,667)
(255,874)
(61,829)
(7,586,487)
643,823
(191,320)
235,604
265,670
263,725
(261,277)
(715,591)
(13,478)
1,790,725
4,689,905
(5,461,126) (4,651,220)
(3,242,840)
(161,720)
(1,209,128) (1,880,426)
2,860,607
818,912
121,023,158 111,503,789
122,674,637 110,442,275
16,347,441
44,765,341
12,409,082
48,352,773
800,000
122,674,637
12,529,250
40,909,033
10,709,030
46,284,994
9,968
110,442,275
(723,097)
(467,082)
(993,593)
(337,366)
* ) For comparative purposes, certain accounts in the Statement of Cash Flows as at and for six months ended 30 June 2013 have
been reclassified to conform with the presentation of Statement of Cash flows as at and for six months ended 30 June 2014.
STATEMENTS OF CALCULATION OF FINANCIAL RATIOS
As at 30 June 2014 and 2013
(In %)
BANK
No.
RATIOS
PERFORMANCE RATIOS
1. Capital Adequacy Ratio (CAR)
2. Non performing earning assets and non performing non earning assets
to total earning assets and non earning assets
3. Non performing earning assets to total earning assets
4. Allowance for impairment on financial assets to earning assets
5. Gross NPL
6. Net NPL
7. Return on Asset (ROA)
8. Return on Equity (ROE)
9. Net Interest Margin (NIM)
10. Operating Expenses to Operating Income
11. Loan to Deposit Ratio (LDR)
COMPLIANCE
1. a. Percentage violation of Legal Lending Limit
i. Related parties
ii. Third parties
b. Percentage of excess of the Legal Lending Limit
i. Related parties
ii. Third parties
2. Reserve requirement
a. Primary reserve requirement Rupiah
b. Reserve requirement Foreign currencies
3. Net Open Position - Overall
30 June 2014
30 June 2013
16.04%
15.55%
1.22%
1.50%
2.81%
1.77%
0.47%
3.48%
24.49%
5.89%
64.77%
85.40%
1.25%
1.51%
2.81%
1.77%
0.38%
3.47%
25.60%
5.42%
62.32%
82.75%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
8.10%
8.10%
1.16%
8.00%
10.07%
0.86%
STATEMENTS OF SPOT AND DERIVATIVE TRANSACTIONS
Ultimate Shareholder
As at 30 June 2014
(In Millions of Rupiah)
BANK
MANAGEMENT OF THE BANK
Board of Directors Commissioner
- 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
- 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
* ) Based on Extraordinary Shareholders' Meeting on 21 May 2014, waiting for approval from Otoritas Jasa Keuangan (OJK) upon fit
& proper test.
No.
TRANSACTION
Type
Notional Amount
A.
1.
2.
3.
Derivative Receivables & Payables
Trading
Hedging
Receivables
Payables
Exchange Rate Related
Spot
Forward
Option
a. Written
b. Purchased
4. Future
5. Swap
6. Others
9,107,405
7,292,030
8,557,453
27,278
549,952
7,264,752
26,734
67,058
32,741
26,549
28,560,034
-
28,505,357
-
54,677
-
314,770
-
38,751
-
B. Interest Rate Related
1. Forward
2. Option
a. Written
b. Purchased
3. Future
4. Swap
5. Others
-
-
-
-
-
15,263,000
-
-
15,263,000
-
8,055
-
29,527
-
C. Others
TOTAL
60,222,469
37,090,088
23,132,381
416,617
127,568
Jakarta, 25 July 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 30 June 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.
STATEMENTS OF COMPREHENSIVE INCOME
For the Periods Ended 30 June 2014 and 2013
(In Millions of Rupiah)
BANK
DESCRIPTION
30 June 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
CONSOLIDATED
31 December 2013
(Audited)
30 June 2014
BANK
14,511,692
75,213,662
21,667,199
416,617
17,226,616
69,819,352
23,710,890
175,947
16,347,441
81,664,291
24,620,924
416,789
19,051,934
78,521,140
24,650,787
175,947
1,237,630
68,678,553
24,841,341
7,232,155
1,815,222
10,274,341
1,470,994
61,370,553
24,945,188
13,210
5,182,903
3,103,351
10,178,370
17,948,592
69,289,867
28,521,713
7,232,155
2,716,459
10,274,341
14,866,672
62,197,173
26,518,455
13,210
5,182,903
3,737,613
10,178,370
430,384,751
4,172,607
-
416,978,030
3,159,465
-
479,558,969
5,564,703
8,580
-
467,170,449
4,644,901
7,891
-
(134,942)
(15,463,621)
(1,782,158)
2,184,989
(1,372,536)
12,175,492
(5,156,413)
(148,728)
(15,002,015)
(1,677,609)
2,178,033
(1,288,191)
11,700,899
(4,807,311)
(276,860)
(17,279,077)
(1,930,570)
2,825,205
(1,460,617)
13,891,869
(6,094,054)
(292,049)
(16,535,651)
(1,774,259)
2,514,368
(1,354,113)
13,258,249
(5,612,651)
150,039
19,815
432,226
151,090
19,815
427,009
150,272
33,838
432,226
(287,147)
4,093,766
15,555,697
648,250,177
(305,156)
720,128
3,380,912
26,685,271
764,938,211
(300,209)
619,691
4,322,498
20,724,273
733,099,762
115,288,726
205,015,797
181,045,318
34,607,520
127,568
6,446,874
10,274,341
564
116,250,862
214,128,654
169,338,524
12,658,783
230,621
4,656,149
10,178,370
564
119,470,491
226,152,840
210,297,128
34,376,499
127,637
6,446,874
10,274,341
1,923,363
123,445,524
236,510,887
196,385,250
12,669,235
231,955
4,656,149
10,178,370
1,674,299
3,765,024
12,594,865
1,704,474
4,470,615
13,996,524
2,061,958
3,750,024
15,951,315
1,704,474
4,465,615
15,999,539
2,061,958
12,922,352
(12,896,287)
17,078,407
587,975,543
8,729,833
(8,753,251)
17,740,655
565,688,861
12,922,352
(12,896,287)
14,671,499
25,805,342
670,977,892
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
-
121,764
(897,598)
167,224
-
17,316,192
-
126,010
(1,760,611)
347,529
-
PROFIT (LOSS) AFTER INCOME TAX - NET
2,333,333
2,050,894
2,333,333
4,399,179
2,333,333
2,050,894
42,511,775
8,993,783
86,772,435
86,772,435
674,747,978
33,108,218
17,212,968
82,561,316
82,561,316
648,250,177
47,438,360
9,585,405
92,218,399
1,741,920
93,960,319
764,938,211
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
As at 30 June 2014 and 2013
30 June 2014
Current
I.
RELATED PARTIES
1. Placements with other banks
a. Rupiah
22
b. Foreign currencies
1,363,473
2. Spot and derivative receivables
a. Rupiah
b. Foreign currencies
3. Securities
a. Rupiah
248,813
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
19,047
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
7,487,467
i. Rupiah
3,567,091
ii. Foreign currencies
3,920,376
c. Restructured loans
i. Rupiah
ii. Foreign currencies
d. Property loans
14,964
9. Investments in shares
3,644,451
10. Temporary investment
11. Commitments and contingencies
a. Rupiah
497,386
b. Foreign currencies
2,789,183
12. Repossessed assets
II. THIRD PARTIES
1. Placements with other banks
20,095,365
a. Rupiah
33,905,216
b. Foreign currencies
2. Spot and derivative receivables
416,479
a. Rupiah
138
b. Foreign currencies
3. Securities
77,027,064
a. Rupiah
17,394,784
b. Foreign currencies
4. Securities sold with agreement to repurchase (Repo)
7,232,155
a. Rupiah
b. Foreign currencies
5. Securities purchased with agreement to resell (Reverse Repo)
1,815,222
a. Rupiah
b. Foreign currencies
10,127,876
6. Acceptances receivables
7. Other receivable - trade transaction
4,247,624
a. Rupiah
7,832,157
b. Foreign currencies
8. Loans
58,309,796
a. Micro, small and medium loans (UMKM)
58,051,117
i. Rupiah
258,679
ii. Foreign currencies
339,096,824
b. Non UMKM
284,162,848
i. Rupiah
54,933,976
ii. Foreign currencies
6,254,704
c. Restructured loans
3,243,318
i. Rupiah
3,011,386
ii. Foreign currencies
25,121,974
d. Property loans
1,955
9. Investments in shares
10. Temporary investment
11. Administrative account transaction
a. Rupiah
98,586,252
b. Foreign currencies
62,225,570
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
-
-
22
1,363,473
211
75,191
-
-
-
-
211
75.191
-
-
-
-
-
2
-
-
-
-
2
-
-
-
-
248,813
-
150,630
-
-
-
-
-
150,630
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
19,047
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
2,399
2,399
-
-
414,227
-
111,469
-
7,489,866
3,569,490
3,920,376
14,964
4,170,147
-
3,776,935
3,657,935
119,000
88,821
2,745,740
-
665
665
665
-
-
474,227
-
3
3
3
27,469
-
3,777,603
3,658,603
119,000
89,489
3,247,436
-
182
-
-
-
-
497,568
2,789,183
-
297,673
157,226
-
-
-
-
-
297,673
157,226
-
-
-
-
53,073
20,095,365
33,958,289
21,532,983
31,333,622
-
-
-
55,832
21,532,983
31,389,454
-
-
-
-
416,479
138
38,759
904
-
-
-
-
38,759
904
-
-
-
86,863
-
77,113,927
17,394,784
77,333,099
7,810,752
-
-
-
86,672
10,850
77,419,771
7,821,602
-
-
-
-
7,232,155
-
5,457,684
-
-
-
-
-
5,457,684
-
127,418
-
-
-
1,815,222
10,255,294
1,528,551
7,817,699
9,617
-
-
194
1,528,551
7,827,510
82,928
520,030
-
-
145,944
823,588
4,476,496
9,175,775
2,671,959
4,609,362
49,504
361,957
-
-
145,944
689,507
2,867,407
5,660,826
4,948,532
4,938,978
9,554
12,879,705
10,533,214
2,346,491
3,497,343
1,695,240
1,802,103
3,539,813
-
295,920
295,920
497,343
329,772
167,571
17,386
17,386
97,530
-
553,098
553,098
955,192
493,042
462,150
560,515
98,365
462,150
76,163
505
1,760,761
1,760,761
3,597,714
2,751,432
846,282
1,134,818
789,130
345,688
324,546
-
65,868,107
65,599,874
268,233
357,026,778
298,270,308
58,756,470
11,464,766
5,843,439
5,621,327
29,160,026
1,955
505
54,330,454
53,979,870
350,584
295,934,902
246,412,846
49,522,056
7,353,927
3,919,530
3,434,397
31,795,685
1,955
-
3,671,672
3,655,080
16,592
10,809,260
8,732,834
2,076,426
3,453,438
1,532,444
1,920,994
3,037,040
-
257,772
257,772
295,690
288,008
7,682
143,893
143,893
80,515
-
509,174
509,174
385,318
374,386
10,932
237,340
237,340
60,703
2,922
1,386,258
1,386,258
3,845,826
2,659,117
1,186,709
952,550
663,140
289,410
302,804
-
60,155,330
59,788,154
367,176
311,270,996
258,467,191
52,803,805
12,141,148
6,496,347
5,644,801
35,276,747
1,955
2,922
513,640
184,665
-
2,065
14
-
2,342
-
87,331
1,345
19,815
99,191,630
62,411,594
19,815
89,087,543
48,790,908
-
553,850
163,927
-
46,066
1,588
-
2,021
-
36,766
8,276
19,815
89,726,246
48,964,699
19,815
17,380,721
13,570,286
15.30%
6.71%
48.47%
45.32%
15,185,813
14,660,372
16.03%
6.57%
46.04%
42.90%
10,701,957
1,273,997
1,317,936
-
10,631,447
946,847
1,600,659
-
(In Millions of Rupiah)
30 June 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 30 June 2014 and 2013
DESCRIPTION
Loss
-
ALLOWANCES FOR IMPAIRMENT
No.
No.
30 June 2013
Doubtful
53,073
127,795
149,791
1,439,119
9,312,326
40,582
253
196,216
Collective
27,937
7,147
37,297
34,106
6,151,295
33,725
30 June 2014
23,114,382
21,711,928
1,402,454
7,513,684
7,243,711
269,973
15,600,698
3,466,342
2,142,857
1,323,485
16,924,183
6,377,901
6,190,496
7,275,163
6,627,189
1,506
684,145
-
514,647
-
81,863
684,145
-
528,342
-
102,226
87,386
38,722
3,868,494
1,112
1,594,310
11,560,870
30,205
85,622
423,181
3,370,997
1,765,844
9,922,731
116,948
100,148
4,363,575
2,513
1,925,971
14,606,938
32,450
96,120
3,950,959
2,019,318
12,785,639
-
5,349
-
-
102,185
-
-
-
-
-
2,107,619
139,847
2,392
332,983
44,574
4,069,840
308,670
4,554,945
(5,182,969)
11,259,495
12,129
1,855,283
138,659
5,035
259,209
18,393
3,316,353
336,283
3,976,038
(3,732,235)
9,820,993
2,548,161
253,568
2,392
332,983
39,614
5,129,742
354,978
5,945,500
(7,331,775)
12,552,148
10,707
2,307,526
169,962
5,035
259,209
17,945
4,205,608
388,924
5,318,538
(6,158,450)
10,765,733
3,342
3,457
6,799
11,266,294
2,996
31,056
34,052
9,855,045
3,342
1,971
5,313
12,557,461
2,996
108,699
111,695
10,877,428
(1,458,134)
(814,377)
(1,117,075)
(798,192)
(1,774,253)
(817,654)
(1,469,181)
(799,438)
8,993,783
7,939,778
9,965,554
8,608,809
(4,246)
863,012
(180,304)
-
62,398
(722,097)
144,420
-
678,462
(19,260)
877,306
(183,163)
-
(515,279)
30 June 2013
Required Allowance for
Possible Losses on Earning Assets
General
Spesific
552,711
4,166
154,188
101,469
120,798
4,048,941
50
756,300
53,073
86,863
6,371
999,680
7,123,141
318,582
253
125,083
Allowance for Impairment
Individual
55,832
133,339
78,050
1,177,145
8,436,209
59,987
1,461
193,632
61,911
(730,180)
146,036
-
674,883
(522,233)
9,672,245
7,424,499
10,640,437
8,086,576
8,993,783
8,993,783
7,939,778
7,939,778
9,585,405
380,149
9,965,554
8,294,010
314,799
8,608,809
9,672,245
9,672,245
-
7,424,499
7,424,499
-
10,260,288
380,149
10,640,437
410.81
7,771,777
314,799
8,086,576
355.46
Collective
26,437
5,871
28,889
26,820
5,155,773
12,936
Required Allowance for
Possible Losses on Earning Assets
General
Spesific
177,519
316
106,250
15,286
78,177
72,813
5,464,336
50
596,595
55,832
97,522
675
856,024
7,469,528
264,583
1,461
67,402
Notes :
1) Presentation of the above Published Financial Statement as at and for six months ended 30 June 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) 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.
5) Exchange rate of 1 US Dollar as at 30 June 2014, 30 June 2013 and 31 December 2013 were Rp11,855.00; Rp9,925.00 and Rp12,170.00 respectively.
(In Millions of Rupiah)
COMPONENTS OF CAPITAL
COMPONENTS
A. Core Capital
1. Paid-in Capital
2. Disclosed Reserves
2.1. Additional
a. Agio
b. Donated capital
c. General reserves
d. Appropriated reserves
e. Previous years profit (100%)
f. Current year profit (50%)
g. Differences arising from translation of financial statement
h. Funds for Paid-up Capital
i. Warrant issued (50%)
j. Stock option issued for stock-based
compensation program (50%)
2.2. Deduction
a. Disagio
b. Previous years loss (100%)
c. Current year loss (100%)
d. Differences arising from translation of financial
statement
e. Other comprehensive income: Losses from
decrease in fair value of investment in shares
classified Available for sale
f. Difference in allowance for possible losses and
allowance for impairment on earning assets
g. Allowance for impairment on non earning
assets which shall be calculated
h. Difference in adjustment amounts from fair value
of financial assets in trading book
3. Innovative Capital
3.1. Subordinated bonds (non cummulative perpetual)
3.2. Subordinated loans (non cummulative perpetual)
3.3. Other innovative capital Instrument
4. Core Capital Deduction
4.1. Goodwill
4.2. Other intangible assets
4.3. Investments in shares (50%)
4.4. Shortage of capital on insurance subsidiaries (50%)
5. Non Controlling Interest
B. Supplemental Capital
1. Upper Tier 2
1.1. Preference stock (cummulative perpetual)
1.2. Subordinated bonds (cummulative perpetual)
1.3. Subordinated loans (cummulative perpetual)
1.4. Mandatory convertible bond
1.5. Innovative capital not included as core capital
1.6. Other supplemental capital (upper tier 2)
1.7. Fixed assets revaluation
1.8. General provision on earning assets (max. 1.25% RWA)
1.9. Other comprehensive income: Gain from increase in fair
value of investment in shares classified as
Available for sale (45%)
2. Lower Tier 2 maximum 50% of Core Capital
2.1. Redeemable preference shares
2.2. Subordinated loans and bonds
2.3. Other supplemental capital instrument (lower tier 2)
3. Supplemental Capital Deduction
3.1. Investments in shares (50%)
3.2. Shortage of capital on insurance subsidiaries (50%)
C. Core Capital and Supplemental Capital Deduction
Securitisation exposure
D. Additional Supplemental Capital Fulfilling Requirement (Tier 3)
E. Additional Supplemental Capital Allocated To
Anticipate Market Risk
II.
III.
(In Millions of Rupiah)
TOTAL CORE CAPITAL AND SUPPLEMENTAL CAPITAL (A+B-C)
TOTAL CORE CAPITAL,SUPPLEMENTAL CAPITAL, AND
ADDITIONAL SUPPLEMENTAL CAPITAL ALLOCATED TO
ANTICIPATE MARKET RISK (A+B-C+E)
IV. CREDIT RISK-WEIGHTED ASSETS
V. OPERATIONAL RISK-WEIGHTED ASSETS
VI. MARKET RISK-WEIGHTED ASSETS
VII. REQUIRED MINIMUM CAPITAL ADEQUACY RATIO FOR
CREDIT RISK AND OPERATIONAL RISK {II:(IV+V)}
VIII. REQUIRED MINIMUM CAPITAL ADEQUACY RATIO FOR
CREDIT RISK, OPERATIONAL RISK AND MARKET
RISK {III:(IV+V+VI)}
30 June 2014
BANK
30 June 2013
CONSOLIDATED
No.
DESCRIPTION
I.
COMMITMENT RECEIVABLES
1. Unused fund borrowings facilities
a. Rupiah
b. Foreign currencies
2. Outstanding purchase position on spot and derivative
3. Others
30 June 2014
30 June 2013
29,291,415
27,413,796
1,877,619
10,667,145
10,263,532
403,613
18,624,270
4,077,524
2,817,871
1,259,653
19,883,923
(In Millions of Rupiah) As at 30 June 2014 and 2013
BANK
DESCRIPTION
30 June 2013
STATEMENTS OF CALCULATION OF CAPITAL ADEQUACY RATIO
COMMERCIAL BANK
STATEMENTS OF ASSETS’ QUALITY AND OTHER INFORMATION
As at 30 June 2014 and 31 December 2013
BANK
19,876,850
18,558,494
1,318,356
6,323,622
6,055,591
268,031
13,553,228
13,553,228
Other comprehensive income current year after income tax - net
TOTAL OTHER COMPREHENSIVE INCOME CURRENT YEAR
STATEMENTS OF COMMITMENTS AND CONTINGENCIES
CONSOLIDATED
25,586,042
23,800,817
1,785,225
9,143,578
8,743,484
400,094
16,442,464
16,442,464
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
221,620
(1,765,808)
348,568
-
2,333,333
4,399,179
30 June 2014
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)
17,316,192
-
202,360
(888,502)
165,405
-
DESCRIPTION
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)
151,323
33,838
427,009
(292,093)
3,108,712
20,432,698
674,747,978
17,476,308
-
No.
31 December 2013
(Audited)
*) 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)
BANK
CONSOLIDATED
74,258,685
11,666,667
64,657,908
64,886,003
17,476,308
2,333,333
4,399,179
35,651,339
4,904,080
121,764
-
79,848,780
11,666,667
68,843,614
69,081,418
17,316,192
2,333,333
4,399,179
39,628,823
5,201,529
202,362
-
61,294,930
11,666,667
51,223,085
51,497,332
17,195,760
2,333,333
2,050,894
25,413,268
4,368,985
135,092
-
66,612,484
11,666,667
55,274,344
55,561,653
17,195,760
2,333,333
2,050,894
29,325,353
4,546,724
109,589
-
(228,095)
-
(237,804)
-
(274,247)
-
(287,309)
-
-
-
-
-
-
-
-
-
-
-
-
-
(228,095)
(237,804)
(274,247)
(287,309)
(2,065,890)
(2,065,890)
-
(1,056,651)
(117,741)
(938,910)
395,150
(1,594,822)
(1,594,822)
-
(632,829)
(117,741)
(515,088)
304,302
6,701,247
6,820,828
1,371,121
5,449,707
8,336,535
7,329,136
1,371,121
5,958,015
7,416,605
6,161,729
1,371,121
4,790,608
9,032,577
6,697,967
1,371,121
5,326,846
1,946,309
1,946,309
(2,065,890)
(2,065,890)
-
1,946,309
1,946,309
(938,910)
(938,910)
-
2,849,698
2,849,698
(1,594,822)
(1,594,822)
-
2,849,698
2,849,698
(515,088)
(515,088)
-
-
-
-
-
80,959,932
88,185,315
68,711,535
75,645,061
80,959,932
435,976,522
67,786,852
1,059,349
88,185,315
481,926,449
79,511,930
1,306,492
68,711,535
383,248,592
57,671,278
1,072,285
75,645,061
426,147,709
67,581,862
886,610
16.07%
15.71%
15.58%
15.32%
16.04%
15.67 %
15.55%
15.29%
SHAREHOLDER
II.
III.
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
CONSOLIDATED
31 December 2013
(Audited)
30 June 2014
31 December 2013
(Audited)
433,362
-
347,357
-
433,362
-
347,357
-
5,013,188
384,590
7,591,000
793,437
5,013,188
384,590
7,591,000
793,437
13,262,259
564,209
11,372,089
584,900
13,262,259
564,209
11,372,089
584,900
21,928,600
47,765,193
20,460,055
42,999,343
21,930,747
48,728,730
20,462,699
44,257,143
41,328
-
62,025
-
41,328
-
62,025
-
24,500
-
28,300
-
24,500
-
28,300
-
10,279,956
2,951,610
170,448
-
11,739,958
3,321,460
238,689
-
10,324,569
3,013,594
170,448
-
11,861,603
3,356,527
238,689
-
283,537
18,253,874
359,299
18,195,261
285,980
18,256,835
361,902
18,198,552
7,033,841
51,949
32,729
6,889,648
51,949
32,729
7,039,172
649,407
32,729
6,895,977
495,657
32,729
22,020,396
40,654,146
336,714
25,274,039
39,643,850
256,757
22,221,518
40,720,943
336,714
25,404,802
39,667,080
256,757
STATEMENTS OF CASH FLOWS
For the Periods Ended 30 June 2014 and 2013
(In Millions of Rupiah)
CONSOLIDATED
DESCRIPTION
30 June 2014
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
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
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
30 June 2013*)
28,187,558 22,781,871
5,601,936
5,289,357
(11,044,294) (7,982,908)
13,854,167 16,703,842
(14,382,366) (15,806,461)
(3,143,768)
405,642
660,037
159,288
(1,549,823)
(930,439)
(5,592,930) (4,667,501)
(4,411,763) (3,908,353)
5,312
111,696
8,184,066 12,156,034
442,684
(1,082,520)
(3,613,080) (1,284,695)
(4,808,738) (1,682,339)
(13,869,189) (39,982,570)
1,021,154 12,559,737
(981,869) (1,021,167)
(100,189)
(218,660)
(222,021) (1,232,080)
(375,236)
(147,349)
(725,964) (1,219,101)
1,287,226
1,562,768
(3,865,681)
(8,913,939)
27,726,302
5,106,525
570,812
2,668,502
(1,083,131)
(2,139,225)
3,948,100
(80,846)
3,251,978
21,600,126
284,243
(285,333)
1,607,599
(113,596)
(3,477,112)
879,099
(2,555)
(1,050,441)
2,283,500
11,487,613
1,556
969,380
2,822,629
5,867,781
(3,390,645)
(5,384,520)
360
(607,427)
(71,669)
(9,453,901)
(4,971,588)
(2,255,529)
(41,667)
(255,874)
(61,829)
(7,586,487)
643,823
(191,320)
235,604
265,670
263,725
(261,277)
(715,591)
(13,478)
1,790,725
4,689,905
(5,461,126) (4,651,220)
(3,242,840)
(161,720)
(1,209,128) (1,880,426)
2,860,607
818,912
121,023,158 111,503,789
122,674,637 110,442,275
16,347,441
44,765,341
12,409,082
48,352,773
800,000
122,674,637
12,529,250
40,909,033
10,709,030
46,284,994
9,968
110,442,275
(723,097)
(467,082)
(993,593)
(337,366)
* ) For comparative purposes, certain accounts in the Statement of Cash Flows as at and for six months ended 30 June 2013 have
been reclassified to conform with the presentation of Statement of Cash flows as at and for six months ended 30 June 2014.
STATEMENTS OF CALCULATION OF FINANCIAL RATIOS
As at 30 June 2014 and 2013
(In %)
BANK
No.
RATIOS
PERFORMANCE RATIOS
1. Capital Adequacy Ratio (CAR)
2. Non performing earning assets and non performing non earning assets
to total earning assets and non earning assets
3. Non performing earning assets to total earning assets
4. Allowance for impairment on financial assets to earning assets
5. Gross NPL
6. Net NPL
7. Return on Asset (ROA)
8. Return on Equity (ROE)
9. Net Interest Margin (NIM)
10. Operating Expenses to Operating Income
11. Loan to Deposit Ratio (LDR)
COMPLIANCE
1. a. Percentage violation of Legal Lending Limit
i. Related parties
ii. Third parties
b. Percentage of excess of the Legal Lending Limit
i. Related parties
ii. Third parties
2. Reserve requirement
a. Primary reserve requirement Rupiah
b. Reserve requirement Foreign currencies
3. Net Open Position - Overall
30 June 2014
30 June 2013
16.04%
15.55%
1.22%
1.50%
2.81%
1.77%
0.47%
3.48%
24.49%
5.89%
64.77%
85.40%
1.25%
1.51%
2.81%
1.77%
0.38%
3.47%
25.60%
5.42%
62.32%
82.75%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
8.10%
8.10%
1.16%
8.00%
10.07%
0.86%
STATEMENTS OF SPOT AND DERIVATIVE TRANSACTIONS
Ultimate Shareholder
As at 30 June 2014
(In Millions of Rupiah)
BANK
MANAGEMENT OF THE BANK
Board of Directors Commissioner
- 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
- 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
* ) Based on Extraordinary Shareholders' Meeting on 21 May 2014, waiting for approval from Otoritas Jasa Keuangan (OJK) upon fit
& proper test.
No.
TRANSACTION
Type
Notional Amount
A.
1.
2.
3.
Derivative Receivables & Payables
Trading
Hedging
Receivables
Payables
Exchange Rate Related
Spot
Forward
Option
a. Written
b. Purchased
4. Future
5. Swap
6. Others
9,107,405
7,292,030
8,557,453
27,278
549,952
7,264,752
26,734
67,058
32,741
26,549
28,560,034
-
28,505,357
-
54,677
-
314,770
-
38,751
-
B. Interest Rate Related
1. Forward
2. Option
a. Written
b. Purchased
3. Future
4. Swap
5. Others
-
-
-
-
-
15,263,000
-
-
15,263,000
-
8,055
-
29,527
-
C. Others
TOTAL
60,222,469
37,090,088
23,132,381
416,617
127,568
Jakarta, 25 July 2014
S. E & O
Board of Directors
PT Bank Mandiri (Persero) Tbk.
Budi G. Sadikin
President Director
Pahala N. Mansury
Director