Mandiri - Investor Relations - Quarterly Financials
CON SOLI D ATED FI N AN CI AL STATEM EN TS
PT Bank M andiri (Persero) Tbk. and Subsidiaries
STATEMENTS OF FINANCIAL POSITION
As at 30 September 2015 and 31 December 2014
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.
(In Millions of Rupiah)
BANK
DESCRIPTION
30 September 2015
31 December 2014
(Audited)
17,002,459
91,383,590
28,718,849
109,491
18,719,445
83,185,965
24,227,538
75,289
19,062,408
96,831,699
31,789,938
109,491
20,704,563
93,335,143
27,463,279
75,289
2,940,176
89,605,116
25,438,789
3,532,318
222,475
26,746,538
2,442,863
66,730,393
24,644,673
7,088,104
18,528,320
13,114,059
19,098,323
91,409,818
32,563,698
3,532,318
1,849,002
26,746,538
22,381,653
67,678,009
29,406,588
7,088,104
19,786,745
13,114,059
502,779,253
4,854,148
-
475,266,826
4,235,368
-
552,660,011
7,297,068
58,652
-
523,101,817
6,087,987
58,672
-
(135,789)
(19,422,139)
(2,274,967)
2,681,316
(1,652,018)
14,356,614
(6,194,142)
(127,801)
(15,927,985)
(1,850,478)
2,565,198
(1,472,270)
13,716,579
(5,514,581)
(286,400)
(21,191,957)
(2,502,010)
3,430,910
(1,785,601)
16,222,616
(7,415,311)
(272,861)
(17,706,947)
(2,077,815)
3,219,982
(1,575,399)
15,487,052
(6,558,196)
150,039
19,815
704,522
150,039
19,815
480,606
150,272
33,537
704,522
(12,382,956)
12,484,994
(249,240)
3,803,325
23,085,124
757,039,212
(16,971,114)
17,093,241
(268,222)
672,546
3,986,089
30,877,218
905,759,300
(12,382,956)
12,484,994
(262,302)
783,737
4,189,120
28,764,941
855,039,673
162,666,893
223,986,175
207,595,059
39,223,352
1,372,717
3,197,103
26,746,538
564
20,543,252
1,607,381
123,042,656
229,454,611
223,828,534
17,690,236
160,038
6,112,589
13,114,059
564
25,129,019
1,849,027
168,386,966
247,520,794
238,687,635
39,640,052
1,372,717
3,197,103
26,746,538
1,725,536
23,923,819
1,607,381
128,067,091
252,444,999
255,870,003
17,772,200
160,038
6,112,589
13,114,059
1,924,934
27,975,628
1,849,027
17,909,754
704,848,788
19,326,331
659,707,664
14,776,236
25,037,524
792,622,301
17,343,799
27,560,744
750,195,111
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
-
98,192
(699,084)
139,817
(22,967)
-
No.
369,290
(2,456,694)
(11,906)
499,303
(107,115)
-
-
-
-
2,333,333
7,022,115
2,333,333
4,399,179
2,333,333
7,022,115
2,333,333
4,399,179
54,349,199
14,448,889
105,400,527
105,400,527
810,249,315
42,511,775
19,428,328
97,331,548
97,331,548
757,039,212
59,719,329
14,582,523
110,933,037
2,203,962
113,136,999
905,759,300
47,438,360
19,871,873
102,657,881
2,186,681
104,844,562
855,039,673
30 September 2015
B. Other Operating Income and Expenses
1. Other Operating Income
a. Increase in fair value of financial assets
i. Securities
ii. Loans
iii. Spot and derivative
iv. Other financial assets
b. Decrease in fair value of financial liabilities
c. Gain from sale of financial assets
i. Securities
ii. Loans
iii. Other financial assets
d. Gain from spot and derivative transaction (realised)
e. Dividend
f. Gain from investment in shares with equity method
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
i. Securities
ii. Loans
iii. Spot and derivative
iv. Other financial assets
b. Increase in fair value of financial liabilities
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 PERIOD BEFORE TAX
Income tax expenses
a. Estimated current tax
b. Deffered tax income (expenses)
PROFIT (LOSS) AFTER INCOME TAX - NET
OTHER COMPREHENSIVE INCOME
1. Unreclassified accounts to profit (loss)
a. Premises and equipment revaluation increment
b. Gain (losses) from actuarial benefit program
c. Other comprehensive income from entity associations
d. Others
e. Income tax related to unreclassified accounts to profit (loss)
2. Reclassified accounts to profit (loss)
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. Others
e. Income tax related to reclassified accounts to profit (loss)
Other comprehensive income current period after income tax - net
TOTAL OTHER COMPREHENSIVE INCOME CURRENT PERIOD
Income atributtable to :
Parent Company
Non controlling interest
TOTAL INCOME CURRENT PERIOD
Total other comprehensive income atributtable to :
Parent Company
Non controlling interest
TOTAL OTHER COMPREHENSIVE INCOME CURRENT PERIOD
Total comprehensive income atributtable to :
Parent Company
Non controlling interest
TOTAL COMPREHENSIVE INCOME CURRENT PERIOD
TRANSFER INCOME (LOSSES) TO HEAD OFFICE
DIVIDEND
EARNING PER SHARE
203,625
(600,479)
137,095
(107,964)
-
-
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 Expenses 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 and Sharia Income (Expenses), and Net Premium Income (Claim Expenses)
150,272
33,537
480,606
(16,971,114)
17,093,241
(255,160)
3,637,243
25,178,652
810,249,315
152,489
(2,512,301)
(6,800)
493,595
(22,967)
-
(In Millions of Rupiah)
BANK
31 December 2014
(Audited)
EQUITY
18. Share capital
a. Authorised capital
b. Unpaid-in capital-/c. Treasury stock -/19. Additional Paid-in Capital
a. Agio
b. Disagio -/c. Donated capital
d. Funds for paid-up capital
e. Others
20. 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
21. Difference arising from quasi reorganisation
22. Difference arising from restructuring value of transaction of entities under
common control
23. Other equity
24. Reserve
a. General reserve
b. Appropriated reserve
25. Retained Earning
a. Previous years *)
b. Current year
TOTAL EQUITY ATTRIBUTABLE TO OWNER
26. Non controlling interest
TOTAL EQUITY
TOTAL LIABILITIES AND EQUITY
For the Periods Ended 30 September 2015 and 2014
CONSOLIDATED
30 September 2015
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
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
STATEMENTS OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME
30 September 2015
30 September 2014
46,443,063
43,017,293
3,425,770
17,756,479
16,760,688
995,791
28,686,584
28,686,584
39,694,839
36,947,628
2,747,211
14,663,529
14,056,964
606,565
25,031,310
25,031,310
52,637,202
48,989,943
3,647,259
20,185,098
19,182,414
1,002,684
32,452,104
7,342,001
4,900,944
2,441,057
34,893,161
45,275,388
42,355,310
2,920,078
16,969,790
16,358,763
611,027
28,305,598
7,068,151
5,084,334
1,983,817
30,289,415
12,901,795
10,131,751
13,403,096
10,902,890
1,212
1,209,835
-
2,923
1,026,511
-
1,209,835
-
69,742
1,026,510
-
296,159
161,839
752,534
7,009,260
2,712
3,468,244
23,941,217
160,449
141,970
561,119
5,939,985
9,031
2,289,763
17,700,330
274,294
184,597
605
7,597,656
51,843
4,084,266
29,411,981
200,476
161,703
6,627,524
10,582
2,806,353
22,220,921
-
-
194,679
-
-
-
-
-
-
2,836,117
133,562
7,576
519,825
48,926
6,165,872
561,177
7,427,275
(7,568,579)
17,462,731
5,549
8,136,703
341,660
(2,051)
580,934
60,489
8,698,277
645,234
10,750,507
(16,008,885)
18,884,276
3,408,803
301,450
7,576
519,825
43,171
7,772,007
658,251
9,509,838
(11,318,031)
18,971,384
88
15,224
15,312
17,662,474
3,367
11,654
15,021
17,477,752
101
7,032
7,133
18,891,409
3,427
16,971
20,398
18,991,782
(2,693,725)
(519,860)
14,448,889
(2,566,015)
(898,474)
4,013,263
(3,152,813)
(578,613)
15,159,983
(3,050,661)
(902,401)
15,038,720
(6,800)
-
-
(11,906)
165,665
(1,856,215)
363,057
(1,339,399)
13,820,584
(9,210)
803,570
(160,714)
633,646
15,672,366
14,448,889
14,448,889
14,013,263
14,013,263
14,582,523
577,460
15,159,983
14,453,515
585,205
15,038,720
(1,339,399)
(1,339,399)
14,634,748
14,634,748
-
BANK
No.
Current
RELATED PARTIES
Placements with other banks
a. Rupiah
b. Foreign currencies
2. Spot and derivative receivables
a. Rupiah
b. Foreign currencies
3. Securities
a. Rupiah
b. Foreign currencies
4. Securities sold with agreement to repurchase (Repo)
a. Rupiah
b. Foreign currencies
5. Securities purchased with agreement to resell (Reverse Repo)
a. Rupiah
b. Foreign currencies
6. Acceptances receivables
7. Loans
a. Micro, small and medium loans (UMKM)
i. Rupiah
ii. Foreign currencies
b. Non UMKM
i. Rupiah
ii. Foreign currencies
c. Restructured loans
i. Rupiah
ii. Foreign currencies
d. Property loans
8. Investments in shares
9. Temporary investment
10. Other Receivable - Trade Transaction
11. Commitments and contingencies
a. Rupiah
b. Foreign currencies
12. Repossessed assets
Special
Mention
Sub
Standard
No.
30 September 2014
Doubtful
Loss
Total
Current
Special
Mention
Sub
Standard
Doubtful
Loss
30 September 2015 30 September 2014
I.
1.
22
1,752,855
-
-
-
-
22
1,752,855
22
1,660,321
-
-
-
-
22
1,660,321
1
-
-
-
-
-
1
-
-
-
-
-
-
-
274,410
19,493
-
-
-
-
274,410
19,493
260,028
8,759
-
-
-
-
260,028
8,759
-
-
-
-
-
-
-
-
-
-
-
-
3,497,285
-
-
-
-
3,497,285
2,265,170
-
-
-
-
2,265,170
1,792
1,792
12,482,639
2,887,221
9,595,418
9,997
4,235,629
9,406
849
849
285
-
591,227
-
-
25,191
-
1,792
1,792
12,483,488
2,888,070
9,595,418
10,282
4,852,047
9,406
10,792,285
3,514,562
7,277,723
14,861
3,644,451
-
831
831
-
-
414,227
-
111,469
-
10,793,116
3,515,393
7,277,723
14,861
4,170,147
-
1,057,394
6,207,209
-
414
-
-
-
-
1,057,808
6,207,209
-
611,240
6,184,609
-
681
-
-
-
-
611,921
6,184,609
-
11,211,095
55,634,636
-
-
-
53,840
11,211,095
55,688,476
20,734,066
40,187,109
-
-
-
49,587
20,734,066
40,236,696
106,755
2,735
-
-
-
-
106,755
2,735
113,387
10,532
-
-
-
-
113,387
10,532
84,896,535
32,706,643
-
-
-
87,000
-
84,983,535
32,706,643
80,783,541
16,888,746
-
-
-
86,912
-
80,870,453
16,888,746
3,532,318
-
-
-
-
-
3,532,318
-
2,851,477
-
-
-
-
-
2,851,477
-
222,475
23,111,987
129,153
8,113
-
-
222,475
23,249,253
1,463,810
7,651,497
453,913
-
-
-
1,463,810
8,105,410
63,372,256
63,058,863
313,393
390,743,554
327,560,866
63,182,688
12,972,899
4,971,182
8,001,717
34,590,084
1,955
12,177,935
5,892,645
5,887,557
5,088
18,138,903
15,045,962
3,092,941
8,801,703
6,339,707
2,461,996
3,485,564
723,244
543,038
543,038
2,479,556
1,020,932
1,458,624
1,713,565
466,875
1,246,690
123,947
51,815
808,300
808,300
2,325,947
2,319,490
6,457
1,838,050
1,838,050
113,036
-
2,097,368
2,097,368
3,892,406
3,026,905
865,501
1,114,213
854,019
260,194
376,595
146
1,163,705
72,713,607
72,395,126
318,481
417,580,366
348,974,155
68,606,211
26,440,430
14,469,833
11,970,597
38,689,226
1,955
146
14,116,699
61,864,962
61,553,074
311,888
351,599,850
290,748,579
60,851,271
5,144,437
2,064,693
3,079,744
24,619,931
1,955
11,237,127
5,292,406
5,281,813
10,593
14,667,369
12,482,015
2,185,354
3,262,257
1,561,253
1,701,004
3,642,649
619,433
267,413
267,413
1,057,121
316,717
740,404
499,798
25,398
474,400
95,417
-
445,637
445,637
317,154
317,154
17,650
17,650
87,285
339
-
1,958,688
1,958,688
3,578,230
2,712,626
865,604
1,233,238
877,927
355,311
348,587
992,457
69,829,106
69,506,625
322,481
371,219,724
306,577,091
64,642,633
10,157,380
4,546,921
5,610,459
28,793,869
1,955
339
12,849,017
116,178,800
72,102,550
-
593,325
572,458
-
3,854
3,082
-
19,686
12,208
-
13,431
45
19,815
116,809,096
72,690,343
19,815
98,560,794
60,411,447
-
550,115
332,318
-
393
-
1,625
-
79,949
200,636
19,815
99,192,876
60,944,401
19,815
-
-
21,832,895
16,260,820
14.46%
6.01%
50.56%
47.64%
17,269,649
13,442,423
15.45%
6.79%
49.56%
46.37%
9,253,468
4,420,661
1,951,481
-
9,788,352
2,130,008
1,882,705
-
STATEMENTS OF CALCULATION OF CAPITAL ADEQUACY RATIO COMMERCIAL BANK*)
(In Millions of Rupiah)
As at 30 September 2015 and 2014
30 September 2015
COMPONENTS OF CAPITAL
BANK
30 September 2014
CONSOLIDATED
BANK
16.47%
1.53%
1.91%
2.95%
2.41%
0.74%
3.00%
22.49%
5.63%
70.26%
84.27%
1.20%
1.44%
2.68%
1.68%
0.46%
3.53%
25.15%
5.87%
64.95%
84.34%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
8.00%
8.10%
0.47%
8.10%
8.10%
1.07%
STATEMENTS OF SPOT AND DERIVATIVE TRANSACTIONS
(In Millions of Rupiah)
BANK
No.
TRANSACTION
Type
Notional Amount
Trading
A.
1.
2.
3.
Exchange Rate Related
Spot
Forward
Option
a. Written
b. Purchased
4. Future
5. Swap
6. Others
Derivative Receivables & Payables
Hedging
Receivables
1,238,500
517,643
-
8,784,000
829,871
7,367,132
567,440
8,784,000
829,871
8,560,597
371,870
8,046,578
448,009
8,560,597
371,870
23,909,362
50,111,245
23,035,268
59,861,462
23,910,508
50,900,502
38,620
-
71,833
-
38,620
-
10,000
-
2,000
-
10,000
-
12,255,309
2,852,728
174,640
-
10,187,179
3,767,009
1,741,061
-
12,287,396
2,880,718
174,640
-
687,032
20,957,866
453,429
18,305,893
689,375
20,960,993
455,772
18,308,707
7,806,424
51,949
32,729
7,615,239
51,949
32,729
7,812,357
1,373,795
32,729
7,620,314
946,905
32,729
32,425,283
51,430,434
401,915
28,458,307
44,501,007
377,195
32,548,659
51,688,217
401,915
28,563,086
44,539,265
377,195
(In Millions of Rupiah)
CONSOLIDATED
Payables
30 September 2015 30 September 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
Other operating income - others
Other operating expenses - others
Salaries and employee benefits
General and administrative expenses
Non operating income - net
Payment of corporate income tax
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 policyholders
Other taxes payable
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
5,379,413
-
656,486
13,624,279
8,540
24,494
7,576
602,515
28,232,174
-
27,551,411
-
680,763
-
73,559
-
723,366
-
B. Interest Rate Related
1. Forward
2. Option
a. Written
b. Purchased
3. Future
4. Swap
5. Others
-
-
-
-
-
42,913,322
-
-
42,913,322
-
2,898
-
39,260
-
C. Others
TOTAL
90,805,674
32,930,824
57,874,850
109,491
1,372,717
8,668,048
(5,935,745)
44,987,920
(823,913)
368,192
4,286,536
(966,281)
5,207,331
(1,404)
303,116
(1,326,629)
48,126,407
(2,259)
(347,082)
3,800,827
27,124,234
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
(13,735,545)
(15,465,430)
3,806
(748,771)
(210,928)
(2,286,940)
(3,811,886)
68
(1,086,647)
(82,324)
Net cash used in investing activities
(30,156,868)
(7,267,729)
CASH FLOWS FROM FINANCING ACTIVITIES
(Increase)/decrease of investment in Subsidiaries
(Decrease)/increase in marketable securities issued
Decrease in fund borrowings
Increase/(Decrease) of Subordinated Loans
Increase in securities sold under repurchase agreements
Payments of dividends
Net cash provided by financing activities
(560,159)
(205,035)
(7,688,302)
4,316
(2,915,486)
(4,967,968)
(16,332,634)
712,792
234,459
(364,692)
(723,335)
(2,093,816)
(5,461,126)
(7,695,718)
NET INCREASE IN CASH AND CASH EQUIVALENTS
1,636,905
12,160,787
EFFECT OF EXCHANGE RATE CHANGES ON CASH AND CASH EQUIVALENT
3,157,836
811,063
138,804,383 121,023,158
CASH AND CASH EQUIVALENTS AT END OF YEAR
143,599,124 133,995,008
Cash and cash equivalent at end of year consist of :
Cash
19,062,408 15,727,497
Current accounts with Bank Indonesia
54,400,550 47,540,361
Current accounts with other banks
17,014,476
9,427,746
Placements with Bank Indonesia and other banks
52,983,598 59,557,004
Certificate of Bank Indonesia
138,092
1,742,400
Total cash and cash equivalents
143,599,124 133,995,008
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
(2,064,506)
(774,384)
Acquisition of fixed assets - payable
(290,169)
(413,369)
* ) For comparative purposes, certain accounts in the Statement of Cash Flows for the periods ended
30 September 2014 have been reclassified to conform with the presentation of Statement of Cash
flows for the periods ended 30 September 2015.
88,699,278
88,699,278
11,666,667
86,497,004
17,476,308
2,333,333
54,349,199
14,448,889
152,489
(2,018,706)
(244,508)
(9,464,393)
(3,637,243)
(1,029,298)
(4,797,852)
-
97,082,585
97,082,585
11,666,667
92,105,706
17,316,192
2,333,333
59,719,329
14,582,523
369,290
(1,957,391)
(257,570)
873,661
(7,563,449)
(3,828,853)
(117,741)
(1,121,821)
(2,495,034)
-
76,812,018
76,812,018
-
82,275,762
82,275,762
-
II. Supplemental Capital (Tier 2)
1. Capital Instrument in the form of Stock or others which comply with regulations
2. Agio/disagio supplemental capital
3. General provison on earning assets (max, 1,25% credit risk weighted assets)
4. Appropriated reserves
5. Deduction supplemental capital (Tier 2)
5.1 Sinking Fund
5.2 Instrument Tier 2 to other bank investment
14,330,844
1,079,099
6,229,630
7,022,115
-
14,945,464
1,079,099
6,844,250
7,022,115
-
6,526,558
-
8,117,067
-
103,030,122
112,028,049
83,338,576
90,392,829
III. Total Core Capital and supplemental capital (I+II)
30 September 2015
Bank
498,370,438
1,442,122
78,627,774
578,440,334
9.00%
Consolidated
547,540,006
1,559,939
95,640,437
644,740,382
9.00%
30 September 2014
Bank
436,459,848
1,631,089
67,786,852
505,877,789
9.00%
Consolidated
481,124,564
1,581,683
79,510,013
562,216,260
9.00%
Description
CAR
CET1 RATIO
Tier 1 Ratio
Tier 2 Ratio
Total Ratio
30 September 2015
Bank
15.33%
15.33%
2.48%
17.81%
30 September 2014
Consolidated
15.06%
15.06%
2.32%
17.38%
As at 30 September 2015 and 2014
No.
DESCRIPTION
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
Loans
Investments in shares
Temporary invesment
Other Receivable - Trade Transaction
Commitments and contingencies
(701,125)
362,988
7,832,505 (6,219,387)
(765,662) (3,955,192)
(34,925,330) (35,676,842)
17,937,743
826,374
(1,349,336)
(856,116)
104,002
(136,798)
(292,153)
(280,501)
(850,988)
(657,893)
341,813 (1,686,156)
1,879,849
1,836,585
41,448,084
(5,588,361)
5,605,148
(360,750)
308,963
(2,567,563)
(415,423)
110,007
CASH AND CASH EQUIVALENTS AT BEGINNING OF YEAR
6,035,899
13,624,279
50,366,610 43,310,101
10,012,566
8,581,484
(20,216,477) (16,732,987)
31,697,647 19,934,491
(32,508,290) (20,686,420)
4,607,791
485,977
2,231,169
999,624
(3,641,387) (3,005,370)
(8,995,493) (8,291,699)
(7,993,175) (7,084,555)
7,133
20,398
(4,168,193) (3,207,446)
21,399,901 14,323,598
(In Millions of Rupiah)
30 September 2015
Required Allowance for
Allowance for Impairment
Possible Losses on Earning Assets
Individual
Collective
General
Spesific
53,840
121,725
178,393
11,861,475
61,040
146
1,813,227
206,526
36,383
14,064
95,213
7,560,664
36,725
19,040
286,650
1,010
234,304
2,225
266,092
4,666,002
582
121,874
971,218
53,840
87,000
7,675
9,211,906
113,875
146
1,207,639
57,899
30 September 2014
Required Allowance for
Allowance for Impairment
Possible Losses on Earning Assets
Individual
Collective
General
Spesific
38,588
123,000
75,988
8,753,783
39,999
169
1,499,716
191,603
49,586
5,325
73,445
6,581,253
28,797
38,400
220,972
1,062
149,832
99,166
4,242,571
50
112,371
782,977
49,587
86,912
22,696
7,115,023
318,583
169
1,023,429
304,997
CONSOLIDATED
I. Core Capital (Tier 1)
1. Core Capital (Common Equity Tier 1)
1.1 Paid-in Capital
1.2 Disclosed Reserves
1.2.1 Agio/Disagio
1.2.2 Donated capital
1.2.3 General reserves
1.2.4 Previous years profit/(loss)
1.2.5 Current year profit/(loss)
1.2.6 Differences arising from translation of financial statement
1.2.7 Funds for paid-up capital
1.2.8 Warrant issued
1.2.9 Stock option issued for stock-based compensation program
1.2.10 Other comprehensive income
1.2.11 Surplus of fixed assets revaluation
1.2.12 Difference in allowance for possible losses and allowance for impairment on earning assets
1.2.13 Allowance for impairment on non earning assets which shall be calculated
1.2.14 Difference in adjusment amounts from fair value of financial assets in trading book
1.3 Non Controlling Interest
1.4 Deduction
1.4.1 Deffered tax calculated
1.4.2 Goodwill
1.4.3 Other intangible assets
1.4.4 Investments in shares
1.4.5 Shortage of capital on insurance subsidiaries
1.4.6 Securitisation exposure
1.4.7 Other deduction core capital
1.4.8 Instrument AT1 and Tier 2 to other bank investment
2. Additional Tier 1
2.1 Instrument of AT1
2.2 Agio/Disagio
2.3 Deduction: Instrument AT1 and Tier 2 to other bank investment
RISK WEIGHTED ASSETS
CREDIT RISK - WEIGHTED ASSETS
MARKET RISK - WEIGHTED ASSETS
OPERATIONAL RISK - WEIGHTED ASSETS
TOTAL RISK WEIGHTED ASSETS
CAR BASED ON RISK PROFILE
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
17.81%
4,395,000
481,512
-
ALLOWANCES FOR IMPAIRMENT
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 earning 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
No.
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)
As at 30 September 2015
II. THIRD PARTIES
1. Placements with other banks
a. Rupiah
b. Foreign currencies
2. Spot and derivative receivables
a. Rupiah
b. Foreign currencies
3. Securities
a. Rupiah
b. Foreign currencies
4. Securities sold with agreement to repurchase (Repo)
a. Rupiah
b. Foreign currencies
5. Securities purchased with agreement to resell
(Reverse Repo)
a. Rupiah
b. Foreign currencies
6. Acceptances receivables
7. Loans
a. Micro, small and medium loans (UMKM)
i. Rupiah
ii. Foreign currencies
b. Non UMKM
i. Rupiah
ii. Foreign currencies
c. Restructured loans
i. Rupiah
ii. Foreign currencies
d. Property loans
8. Investments in shares
9. Temporary investment
10. Other Receivable - Trade Transaction
11. Commitments and contingencies
a. Rupiah
b. Foreign currencies
12. Repossessed assets
(In %)
RATIOS
Total
1,238,500
517,643
-
For the Periods Ended 30 September 2015 and 2014
BANK
30 September 2015
DESCRIPTION
4,395,000
481,512
-
STATEMENTS OF CASH FLOWS
15,087,161
585,205
15,672,366
619.44
STATEMENTS OF CALCULATION OF FINANCIAL RATIOS
COMMITMENT RECEIVABLES
1. Unused fund borrowings facilities
a. Rupiah
b. Foreign currencies
2. Outstanding purchase position on spot and derivative
3. Others
IV. CONTINGENT PAYABLES
1. Guarantees issued
a. Rupiah
b. Foreign currencies
2. Others
633,646
633,646
13,243,124
577,460
13,820,584
624.97
I.
CONSOLIDATED
30 September 2015 31 December 2014 30 September 2015 31 December 2014
(Audited)
(Audited)
III. CONTINGENT RECEIVABLES
1. Guarantees received
a. Rupiah
b. Foreign currencies
2. Unrecognized interest income
a. Interest loan
b. Others interest
3. Others
-
(10,403)
789,860
(157,972)
621,485
14,634,748
621,485
621,485
DESCRIPTION
DESCRIPTION
54,297
(1,813,215)
353,776
(1,411,942)
13,036,947
(1,411,942)
(1,411,942)
No.
II. COMMITMENT PAYABLES
1. Unused loan facilities granted to customer
a. BUMN
i. Committed
- Rupiah
7,367,132
- Foreign currencies
567,440
ii. Uncommitted
- Rupiah
8,046,578
- Foreign currencies
448,009
b. Others
i. Committed
23,034,304
ii. Uncommitted
59,440,670
2. Unused loan facilities granted to other banks
a. Committed
i. Rupiah
71,833
ii. Foreign currencies
b. Uncommitted
i. Rupiah
2,000
ii. Foreign currencies
3. Outstanding irrevocable letters of credit
a. Foreign L/C
10,176,511
b. Local L/C
3,754,262
4. Outstanding sales position on spot and derivative 1,741,061
5. Others
-
7,436,048
149,072
(2,051)
580,934
18,016
6,955,737
543,311
8,260,150
(11,039,422)
17,647,162
(In Millions of Rupiah) As at 30 September 2015 and 2014
As at 30 September 2015 and 2014
(In Millions of Rupiah)
BANK
*) Accumulated losses of Rp162,874,901 million has been eliminated against additional paid-in capital/agio through quasi-reorganisation on 30 April 2003.
**) Consolidated balance includes temporary syirkah funds from a Subsidiary.
***) Including Securities owned by Subsidiary which classified "At Cost", accordance with SFAS 110 "Accounting for Sukuk", which was effective since 1 January 2012.
STATEMENTS OF ASSETS’ QUALITY AND OTHER INFORMATION
As at 30 September 2015 and 31 December 2014
CONSOLIDATED
30 September 2014
13,036,947
13,036,947
-
STATEMENTS OF COMMITMENTS AND CONTINGENCIES
Bank
15.18%
15.18%
1.29%
16.47%
SHAREHOLDER
Ultimate Shareholder
*)
**)
***)
MANAGEMENT OF THE BANK
Board of Commissioners
- President Commissioner*)
- Deputy President Commissioner
- Independent Commissioner
- Commissioner
- Independent Commissioner
- Commissioner
- Independent Commissioner
- Independent Commissioner
:
:
:
:
:
:
:
:
Imam Apriyanto Putro
Abdul Aziz
Askolani
Aviliani
Suwhono
Goei Siauw Hong
Bangun Sarwito Kusmuljono
Board of Directors
- President Director
- Vice President Director
- Director
- Director
- Director
- Director
- Director
- Director
- Director
- Director
- Director
:
:
:
:
:
:
:
:
:
:
:
Budi Gunadi Sadikin
Sulaiman Arif Arianto
Sentot A. Sentausa
Ogi Prastomiyono
Pahala N. Mansury
Royke Tumilaar
Hery Gunardi
Tardi **)
Ahmad Siddik Badruddin
Kartini Sally
Kartika Wirjoatmodjo ***)
Tenure Mr. Darmin Nasution as Commissioner ends in connection with his appointment as Coordinating Minister for the Economy on August 12, 2015 and has not been appointed President Commissioner of the Substitute (vacant).
Has been approved by Otoritas Jasa Keuangan upon Fit & Proper Test.
Has obtained approval by Otoritas Jasa Keuangan on Fit & Proper Test and his appointment was effected by the issuance of Decree of the President of the Republic of Indonesia Number 124 / M Year 2015 dated August 10, 2015 on Members of the Board
of Commissioners accredited to the dismissal of Chief Executive of the Lembaga Penjamin Simpanan.
Notes :
1. Presentation of the above published Financial Statement as at and for nine months ended 30 September 2015 and 2014 are derived form 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 2014 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 & Rekan – a member Firm of PwC Global Network with partner in charge Drs.Haryanto Sahari,CPA whose report dated 2 February 2015 expressed an Unqualified Opinion.
2. The above Published Financial Statements are presented to comply with Otoritas Jasa Keuangan Regulation No. 6/POJK.03/2015 dated 31 March 2015 regarding Transparency and Published Financial Statements of the Bank and Circular
Letter of Otoritas Jasa Keuangan No.11/SEOJK.03/2015 dated 17 April 2015 regarding Transparency and Published Financial Statements of Commercial Banks and also in accordance with rule of Capital Market and Financial Institution
Supervisory Agency (Bapepam-LK) No.X.K.2. Decision of Chairman of Bapepam-LK No.Kep-346/BL/2011 dated 5 July 2011 regarding Submission of Periodic Financial Statement for Issuers or Public Companies.
Financial Information and Statement of Cash Flows included in the published financial statement have been prepared in accordance with Bapepam-LK regulation No.VIII.G7. Decision of Chairman of Bapepam-LK No.Kep-347/BL/2012
dated 25 June 2012.
3. Bank has adjusted Consolidated Financial Statements for the year 2015 in respect of the Implementation of SFAS 24 (Revised 2013) regarding Actuarial Benefit Program.
4. Related Parties in the Assets' Quality and Other Information are presented in accordance with Bank Indonesia Regulation No. 7/3/PBI/2005 dated 20 January 2005 which was amended by Bank Indonesia Regulation No. 8/13/PBI/2006
dated 5 October 2006 regarding The Legal Lending Limit For Commercial Banks.
5. Since 21 January 2015, the Financial Statements of PT Mandiri Utama Finance has been consolidated into the Consolidated Financial Statements of PT Bank Mandiri (Persero) Tbk. and Subsidiaries upon acquisition of 51.00% ownership
in PT Mandiri Utama Finance by PT Bank Mandiri (Persero) Tbk.
6. Since 23 June 2015, the Financial Statements of PT Mandiri Capital Indonesia has been consolidated into the Consolidated Financial Statements of PT Bank Mandiri (Persero) Tbk. and Subsidiaries upon acquisition of 99.00% ownership
in PT Mandiri Capital Indonesia by PT Bank Mandiri (Persero) Tbk.
7. Exchange rate of 1 US Dollar as at 30 September 2015, 30 September 2014 and 31 December 2014 were Rp14,650.00; Rp12,185.00 and Rp12,385.00 respectively.
Jakarta, 30 October 2015
S. E & O
Board of Directors
PT Bank Mandiri (Persero) Tbk.
Consolidated
14.63%
14.63%
1.45%
16.08%
*) Capital Adequacy Ratio as at 30 September 2015 has been calculated based on Bank Indonesia Regulation (PBI) No.15/12/PBI/2013 regarding Minimum Capital Adequacy Requirement for Commercial Bank, Capital Adequacy Ratio as at 30 September 2014 has been calculated
based on PBI No.14/18/PBI/2012 regarding Minimum Capital Adequacy Requirement for Commercial Bank.
Budi G. Sadikin
President Director
Kartika Wirjoatmodjo
Director
PT Bank M andiri (Persero) Tbk. and Subsidiaries
STATEMENTS OF FINANCIAL POSITION
As at 30 September 2015 and 31 December 2014
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.
(In Millions of Rupiah)
BANK
DESCRIPTION
30 September 2015
31 December 2014
(Audited)
17,002,459
91,383,590
28,718,849
109,491
18,719,445
83,185,965
24,227,538
75,289
19,062,408
96,831,699
31,789,938
109,491
20,704,563
93,335,143
27,463,279
75,289
2,940,176
89,605,116
25,438,789
3,532,318
222,475
26,746,538
2,442,863
66,730,393
24,644,673
7,088,104
18,528,320
13,114,059
19,098,323
91,409,818
32,563,698
3,532,318
1,849,002
26,746,538
22,381,653
67,678,009
29,406,588
7,088,104
19,786,745
13,114,059
502,779,253
4,854,148
-
475,266,826
4,235,368
-
552,660,011
7,297,068
58,652
-
523,101,817
6,087,987
58,672
-
(135,789)
(19,422,139)
(2,274,967)
2,681,316
(1,652,018)
14,356,614
(6,194,142)
(127,801)
(15,927,985)
(1,850,478)
2,565,198
(1,472,270)
13,716,579
(5,514,581)
(286,400)
(21,191,957)
(2,502,010)
3,430,910
(1,785,601)
16,222,616
(7,415,311)
(272,861)
(17,706,947)
(2,077,815)
3,219,982
(1,575,399)
15,487,052
(6,558,196)
150,039
19,815
704,522
150,039
19,815
480,606
150,272
33,537
704,522
(12,382,956)
12,484,994
(249,240)
3,803,325
23,085,124
757,039,212
(16,971,114)
17,093,241
(268,222)
672,546
3,986,089
30,877,218
905,759,300
(12,382,956)
12,484,994
(262,302)
783,737
4,189,120
28,764,941
855,039,673
162,666,893
223,986,175
207,595,059
39,223,352
1,372,717
3,197,103
26,746,538
564
20,543,252
1,607,381
123,042,656
229,454,611
223,828,534
17,690,236
160,038
6,112,589
13,114,059
564
25,129,019
1,849,027
168,386,966
247,520,794
238,687,635
39,640,052
1,372,717
3,197,103
26,746,538
1,725,536
23,923,819
1,607,381
128,067,091
252,444,999
255,870,003
17,772,200
160,038
6,112,589
13,114,059
1,924,934
27,975,628
1,849,027
17,909,754
704,848,788
19,326,331
659,707,664
14,776,236
25,037,524
792,622,301
17,343,799
27,560,744
750,195,111
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
-
98,192
(699,084)
139,817
(22,967)
-
No.
369,290
(2,456,694)
(11,906)
499,303
(107,115)
-
-
-
-
2,333,333
7,022,115
2,333,333
4,399,179
2,333,333
7,022,115
2,333,333
4,399,179
54,349,199
14,448,889
105,400,527
105,400,527
810,249,315
42,511,775
19,428,328
97,331,548
97,331,548
757,039,212
59,719,329
14,582,523
110,933,037
2,203,962
113,136,999
905,759,300
47,438,360
19,871,873
102,657,881
2,186,681
104,844,562
855,039,673
30 September 2015
B. Other Operating Income and Expenses
1. Other Operating Income
a. Increase in fair value of financial assets
i. Securities
ii. Loans
iii. Spot and derivative
iv. Other financial assets
b. Decrease in fair value of financial liabilities
c. Gain from sale of financial assets
i. Securities
ii. Loans
iii. Other financial assets
d. Gain from spot and derivative transaction (realised)
e. Dividend
f. Gain from investment in shares with equity method
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
i. Securities
ii. Loans
iii. Spot and derivative
iv. Other financial assets
b. Increase in fair value of financial liabilities
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 PERIOD BEFORE TAX
Income tax expenses
a. Estimated current tax
b. Deffered tax income (expenses)
PROFIT (LOSS) AFTER INCOME TAX - NET
OTHER COMPREHENSIVE INCOME
1. Unreclassified accounts to profit (loss)
a. Premises and equipment revaluation increment
b. Gain (losses) from actuarial benefit program
c. Other comprehensive income from entity associations
d. Others
e. Income tax related to unreclassified accounts to profit (loss)
2. Reclassified accounts to profit (loss)
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. Others
e. Income tax related to reclassified accounts to profit (loss)
Other comprehensive income current period after income tax - net
TOTAL OTHER COMPREHENSIVE INCOME CURRENT PERIOD
Income atributtable to :
Parent Company
Non controlling interest
TOTAL INCOME CURRENT PERIOD
Total other comprehensive income atributtable to :
Parent Company
Non controlling interest
TOTAL OTHER COMPREHENSIVE INCOME CURRENT PERIOD
Total comprehensive income atributtable to :
Parent Company
Non controlling interest
TOTAL COMPREHENSIVE INCOME CURRENT PERIOD
TRANSFER INCOME (LOSSES) TO HEAD OFFICE
DIVIDEND
EARNING PER SHARE
203,625
(600,479)
137,095
(107,964)
-
-
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 Expenses 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 and Sharia Income (Expenses), and Net Premium Income (Claim Expenses)
150,272
33,537
480,606
(16,971,114)
17,093,241
(255,160)
3,637,243
25,178,652
810,249,315
152,489
(2,512,301)
(6,800)
493,595
(22,967)
-
(In Millions of Rupiah)
BANK
31 December 2014
(Audited)
EQUITY
18. Share capital
a. Authorised capital
b. Unpaid-in capital-/c. Treasury stock -/19. Additional Paid-in Capital
a. Agio
b. Disagio -/c. Donated capital
d. Funds for paid-up capital
e. Others
20. 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
21. Difference arising from quasi reorganisation
22. Difference arising from restructuring value of transaction of entities under
common control
23. Other equity
24. Reserve
a. General reserve
b. Appropriated reserve
25. Retained Earning
a. Previous years *)
b. Current year
TOTAL EQUITY ATTRIBUTABLE TO OWNER
26. Non controlling interest
TOTAL EQUITY
TOTAL LIABILITIES AND EQUITY
For the Periods Ended 30 September 2015 and 2014
CONSOLIDATED
30 September 2015
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
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
STATEMENTS OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME
30 September 2015
30 September 2014
46,443,063
43,017,293
3,425,770
17,756,479
16,760,688
995,791
28,686,584
28,686,584
39,694,839
36,947,628
2,747,211
14,663,529
14,056,964
606,565
25,031,310
25,031,310
52,637,202
48,989,943
3,647,259
20,185,098
19,182,414
1,002,684
32,452,104
7,342,001
4,900,944
2,441,057
34,893,161
45,275,388
42,355,310
2,920,078
16,969,790
16,358,763
611,027
28,305,598
7,068,151
5,084,334
1,983,817
30,289,415
12,901,795
10,131,751
13,403,096
10,902,890
1,212
1,209,835
-
2,923
1,026,511
-
1,209,835
-
69,742
1,026,510
-
296,159
161,839
752,534
7,009,260
2,712
3,468,244
23,941,217
160,449
141,970
561,119
5,939,985
9,031
2,289,763
17,700,330
274,294
184,597
605
7,597,656
51,843
4,084,266
29,411,981
200,476
161,703
6,627,524
10,582
2,806,353
22,220,921
-
-
194,679
-
-
-
-
-
-
2,836,117
133,562
7,576
519,825
48,926
6,165,872
561,177
7,427,275
(7,568,579)
17,462,731
5,549
8,136,703
341,660
(2,051)
580,934
60,489
8,698,277
645,234
10,750,507
(16,008,885)
18,884,276
3,408,803
301,450
7,576
519,825
43,171
7,772,007
658,251
9,509,838
(11,318,031)
18,971,384
88
15,224
15,312
17,662,474
3,367
11,654
15,021
17,477,752
101
7,032
7,133
18,891,409
3,427
16,971
20,398
18,991,782
(2,693,725)
(519,860)
14,448,889
(2,566,015)
(898,474)
4,013,263
(3,152,813)
(578,613)
15,159,983
(3,050,661)
(902,401)
15,038,720
(6,800)
-
-
(11,906)
165,665
(1,856,215)
363,057
(1,339,399)
13,820,584
(9,210)
803,570
(160,714)
633,646
15,672,366
14,448,889
14,448,889
14,013,263
14,013,263
14,582,523
577,460
15,159,983
14,453,515
585,205
15,038,720
(1,339,399)
(1,339,399)
14,634,748
14,634,748
-
BANK
No.
Current
RELATED PARTIES
Placements with other banks
a. Rupiah
b. Foreign currencies
2. Spot and derivative receivables
a. Rupiah
b. Foreign currencies
3. Securities
a. Rupiah
b. Foreign currencies
4. Securities sold with agreement to repurchase (Repo)
a. Rupiah
b. Foreign currencies
5. Securities purchased with agreement to resell (Reverse Repo)
a. Rupiah
b. Foreign currencies
6. Acceptances receivables
7. Loans
a. Micro, small and medium loans (UMKM)
i. Rupiah
ii. Foreign currencies
b. Non UMKM
i. Rupiah
ii. Foreign currencies
c. Restructured loans
i. Rupiah
ii. Foreign currencies
d. Property loans
8. Investments in shares
9. Temporary investment
10. Other Receivable - Trade Transaction
11. Commitments and contingencies
a. Rupiah
b. Foreign currencies
12. Repossessed assets
Special
Mention
Sub
Standard
No.
30 September 2014
Doubtful
Loss
Total
Current
Special
Mention
Sub
Standard
Doubtful
Loss
30 September 2015 30 September 2014
I.
1.
22
1,752,855
-
-
-
-
22
1,752,855
22
1,660,321
-
-
-
-
22
1,660,321
1
-
-
-
-
-
1
-
-
-
-
-
-
-
274,410
19,493
-
-
-
-
274,410
19,493
260,028
8,759
-
-
-
-
260,028
8,759
-
-
-
-
-
-
-
-
-
-
-
-
3,497,285
-
-
-
-
3,497,285
2,265,170
-
-
-
-
2,265,170
1,792
1,792
12,482,639
2,887,221
9,595,418
9,997
4,235,629
9,406
849
849
285
-
591,227
-
-
25,191
-
1,792
1,792
12,483,488
2,888,070
9,595,418
10,282
4,852,047
9,406
10,792,285
3,514,562
7,277,723
14,861
3,644,451
-
831
831
-
-
414,227
-
111,469
-
10,793,116
3,515,393
7,277,723
14,861
4,170,147
-
1,057,394
6,207,209
-
414
-
-
-
-
1,057,808
6,207,209
-
611,240
6,184,609
-
681
-
-
-
-
611,921
6,184,609
-
11,211,095
55,634,636
-
-
-
53,840
11,211,095
55,688,476
20,734,066
40,187,109
-
-
-
49,587
20,734,066
40,236,696
106,755
2,735
-
-
-
-
106,755
2,735
113,387
10,532
-
-
-
-
113,387
10,532
84,896,535
32,706,643
-
-
-
87,000
-
84,983,535
32,706,643
80,783,541
16,888,746
-
-
-
86,912
-
80,870,453
16,888,746
3,532,318
-
-
-
-
-
3,532,318
-
2,851,477
-
-
-
-
-
2,851,477
-
222,475
23,111,987
129,153
8,113
-
-
222,475
23,249,253
1,463,810
7,651,497
453,913
-
-
-
1,463,810
8,105,410
63,372,256
63,058,863
313,393
390,743,554
327,560,866
63,182,688
12,972,899
4,971,182
8,001,717
34,590,084
1,955
12,177,935
5,892,645
5,887,557
5,088
18,138,903
15,045,962
3,092,941
8,801,703
6,339,707
2,461,996
3,485,564
723,244
543,038
543,038
2,479,556
1,020,932
1,458,624
1,713,565
466,875
1,246,690
123,947
51,815
808,300
808,300
2,325,947
2,319,490
6,457
1,838,050
1,838,050
113,036
-
2,097,368
2,097,368
3,892,406
3,026,905
865,501
1,114,213
854,019
260,194
376,595
146
1,163,705
72,713,607
72,395,126
318,481
417,580,366
348,974,155
68,606,211
26,440,430
14,469,833
11,970,597
38,689,226
1,955
146
14,116,699
61,864,962
61,553,074
311,888
351,599,850
290,748,579
60,851,271
5,144,437
2,064,693
3,079,744
24,619,931
1,955
11,237,127
5,292,406
5,281,813
10,593
14,667,369
12,482,015
2,185,354
3,262,257
1,561,253
1,701,004
3,642,649
619,433
267,413
267,413
1,057,121
316,717
740,404
499,798
25,398
474,400
95,417
-
445,637
445,637
317,154
317,154
17,650
17,650
87,285
339
-
1,958,688
1,958,688
3,578,230
2,712,626
865,604
1,233,238
877,927
355,311
348,587
992,457
69,829,106
69,506,625
322,481
371,219,724
306,577,091
64,642,633
10,157,380
4,546,921
5,610,459
28,793,869
1,955
339
12,849,017
116,178,800
72,102,550
-
593,325
572,458
-
3,854
3,082
-
19,686
12,208
-
13,431
45
19,815
116,809,096
72,690,343
19,815
98,560,794
60,411,447
-
550,115
332,318
-
393
-
1,625
-
79,949
200,636
19,815
99,192,876
60,944,401
19,815
-
-
21,832,895
16,260,820
14.46%
6.01%
50.56%
47.64%
17,269,649
13,442,423
15.45%
6.79%
49.56%
46.37%
9,253,468
4,420,661
1,951,481
-
9,788,352
2,130,008
1,882,705
-
STATEMENTS OF CALCULATION OF CAPITAL ADEQUACY RATIO COMMERCIAL BANK*)
(In Millions of Rupiah)
As at 30 September 2015 and 2014
30 September 2015
COMPONENTS OF CAPITAL
BANK
30 September 2014
CONSOLIDATED
BANK
16.47%
1.53%
1.91%
2.95%
2.41%
0.74%
3.00%
22.49%
5.63%
70.26%
84.27%
1.20%
1.44%
2.68%
1.68%
0.46%
3.53%
25.15%
5.87%
64.95%
84.34%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
8.00%
8.10%
0.47%
8.10%
8.10%
1.07%
STATEMENTS OF SPOT AND DERIVATIVE TRANSACTIONS
(In Millions of Rupiah)
BANK
No.
TRANSACTION
Type
Notional Amount
Trading
A.
1.
2.
3.
Exchange Rate Related
Spot
Forward
Option
a. Written
b. Purchased
4. Future
5. Swap
6. Others
Derivative Receivables & Payables
Hedging
Receivables
1,238,500
517,643
-
8,784,000
829,871
7,367,132
567,440
8,784,000
829,871
8,560,597
371,870
8,046,578
448,009
8,560,597
371,870
23,909,362
50,111,245
23,035,268
59,861,462
23,910,508
50,900,502
38,620
-
71,833
-
38,620
-
10,000
-
2,000
-
10,000
-
12,255,309
2,852,728
174,640
-
10,187,179
3,767,009
1,741,061
-
12,287,396
2,880,718
174,640
-
687,032
20,957,866
453,429
18,305,893
689,375
20,960,993
455,772
18,308,707
7,806,424
51,949
32,729
7,615,239
51,949
32,729
7,812,357
1,373,795
32,729
7,620,314
946,905
32,729
32,425,283
51,430,434
401,915
28,458,307
44,501,007
377,195
32,548,659
51,688,217
401,915
28,563,086
44,539,265
377,195
(In Millions of Rupiah)
CONSOLIDATED
Payables
30 September 2015 30 September 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
Other operating income - others
Other operating expenses - others
Salaries and employee benefits
General and administrative expenses
Non operating income - net
Payment of corporate income tax
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 policyholders
Other taxes payable
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
5,379,413
-
656,486
13,624,279
8,540
24,494
7,576
602,515
28,232,174
-
27,551,411
-
680,763
-
73,559
-
723,366
-
B. Interest Rate Related
1. Forward
2. Option
a. Written
b. Purchased
3. Future
4. Swap
5. Others
-
-
-
-
-
42,913,322
-
-
42,913,322
-
2,898
-
39,260
-
C. Others
TOTAL
90,805,674
32,930,824
57,874,850
109,491
1,372,717
8,668,048
(5,935,745)
44,987,920
(823,913)
368,192
4,286,536
(966,281)
5,207,331
(1,404)
303,116
(1,326,629)
48,126,407
(2,259)
(347,082)
3,800,827
27,124,234
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
(13,735,545)
(15,465,430)
3,806
(748,771)
(210,928)
(2,286,940)
(3,811,886)
68
(1,086,647)
(82,324)
Net cash used in investing activities
(30,156,868)
(7,267,729)
CASH FLOWS FROM FINANCING ACTIVITIES
(Increase)/decrease of investment in Subsidiaries
(Decrease)/increase in marketable securities issued
Decrease in fund borrowings
Increase/(Decrease) of Subordinated Loans
Increase in securities sold under repurchase agreements
Payments of dividends
Net cash provided by financing activities
(560,159)
(205,035)
(7,688,302)
4,316
(2,915,486)
(4,967,968)
(16,332,634)
712,792
234,459
(364,692)
(723,335)
(2,093,816)
(5,461,126)
(7,695,718)
NET INCREASE IN CASH AND CASH EQUIVALENTS
1,636,905
12,160,787
EFFECT OF EXCHANGE RATE CHANGES ON CASH AND CASH EQUIVALENT
3,157,836
811,063
138,804,383 121,023,158
CASH AND CASH EQUIVALENTS AT END OF YEAR
143,599,124 133,995,008
Cash and cash equivalent at end of year consist of :
Cash
19,062,408 15,727,497
Current accounts with Bank Indonesia
54,400,550 47,540,361
Current accounts with other banks
17,014,476
9,427,746
Placements with Bank Indonesia and other banks
52,983,598 59,557,004
Certificate of Bank Indonesia
138,092
1,742,400
Total cash and cash equivalents
143,599,124 133,995,008
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
(2,064,506)
(774,384)
Acquisition of fixed assets - payable
(290,169)
(413,369)
* ) For comparative purposes, certain accounts in the Statement of Cash Flows for the periods ended
30 September 2014 have been reclassified to conform with the presentation of Statement of Cash
flows for the periods ended 30 September 2015.
88,699,278
88,699,278
11,666,667
86,497,004
17,476,308
2,333,333
54,349,199
14,448,889
152,489
(2,018,706)
(244,508)
(9,464,393)
(3,637,243)
(1,029,298)
(4,797,852)
-
97,082,585
97,082,585
11,666,667
92,105,706
17,316,192
2,333,333
59,719,329
14,582,523
369,290
(1,957,391)
(257,570)
873,661
(7,563,449)
(3,828,853)
(117,741)
(1,121,821)
(2,495,034)
-
76,812,018
76,812,018
-
82,275,762
82,275,762
-
II. Supplemental Capital (Tier 2)
1. Capital Instrument in the form of Stock or others which comply with regulations
2. Agio/disagio supplemental capital
3. General provison on earning assets (max, 1,25% credit risk weighted assets)
4. Appropriated reserves
5. Deduction supplemental capital (Tier 2)
5.1 Sinking Fund
5.2 Instrument Tier 2 to other bank investment
14,330,844
1,079,099
6,229,630
7,022,115
-
14,945,464
1,079,099
6,844,250
7,022,115
-
6,526,558
-
8,117,067
-
103,030,122
112,028,049
83,338,576
90,392,829
III. Total Core Capital and supplemental capital (I+II)
30 September 2015
Bank
498,370,438
1,442,122
78,627,774
578,440,334
9.00%
Consolidated
547,540,006
1,559,939
95,640,437
644,740,382
9.00%
30 September 2014
Bank
436,459,848
1,631,089
67,786,852
505,877,789
9.00%
Consolidated
481,124,564
1,581,683
79,510,013
562,216,260
9.00%
Description
CAR
CET1 RATIO
Tier 1 Ratio
Tier 2 Ratio
Total Ratio
30 September 2015
Bank
15.33%
15.33%
2.48%
17.81%
30 September 2014
Consolidated
15.06%
15.06%
2.32%
17.38%
As at 30 September 2015 and 2014
No.
DESCRIPTION
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
Loans
Investments in shares
Temporary invesment
Other Receivable - Trade Transaction
Commitments and contingencies
(701,125)
362,988
7,832,505 (6,219,387)
(765,662) (3,955,192)
(34,925,330) (35,676,842)
17,937,743
826,374
(1,349,336)
(856,116)
104,002
(136,798)
(292,153)
(280,501)
(850,988)
(657,893)
341,813 (1,686,156)
1,879,849
1,836,585
41,448,084
(5,588,361)
5,605,148
(360,750)
308,963
(2,567,563)
(415,423)
110,007
CASH AND CASH EQUIVALENTS AT BEGINNING OF YEAR
6,035,899
13,624,279
50,366,610 43,310,101
10,012,566
8,581,484
(20,216,477) (16,732,987)
31,697,647 19,934,491
(32,508,290) (20,686,420)
4,607,791
485,977
2,231,169
999,624
(3,641,387) (3,005,370)
(8,995,493) (8,291,699)
(7,993,175) (7,084,555)
7,133
20,398
(4,168,193) (3,207,446)
21,399,901 14,323,598
(In Millions of Rupiah)
30 September 2015
Required Allowance for
Allowance for Impairment
Possible Losses on Earning Assets
Individual
Collective
General
Spesific
53,840
121,725
178,393
11,861,475
61,040
146
1,813,227
206,526
36,383
14,064
95,213
7,560,664
36,725
19,040
286,650
1,010
234,304
2,225
266,092
4,666,002
582
121,874
971,218
53,840
87,000
7,675
9,211,906
113,875
146
1,207,639
57,899
30 September 2014
Required Allowance for
Allowance for Impairment
Possible Losses on Earning Assets
Individual
Collective
General
Spesific
38,588
123,000
75,988
8,753,783
39,999
169
1,499,716
191,603
49,586
5,325
73,445
6,581,253
28,797
38,400
220,972
1,062
149,832
99,166
4,242,571
50
112,371
782,977
49,587
86,912
22,696
7,115,023
318,583
169
1,023,429
304,997
CONSOLIDATED
I. Core Capital (Tier 1)
1. Core Capital (Common Equity Tier 1)
1.1 Paid-in Capital
1.2 Disclosed Reserves
1.2.1 Agio/Disagio
1.2.2 Donated capital
1.2.3 General reserves
1.2.4 Previous years profit/(loss)
1.2.5 Current year profit/(loss)
1.2.6 Differences arising from translation of financial statement
1.2.7 Funds for paid-up capital
1.2.8 Warrant issued
1.2.9 Stock option issued for stock-based compensation program
1.2.10 Other comprehensive income
1.2.11 Surplus of fixed assets revaluation
1.2.12 Difference in allowance for possible losses and allowance for impairment on earning assets
1.2.13 Allowance for impairment on non earning assets which shall be calculated
1.2.14 Difference in adjusment amounts from fair value of financial assets in trading book
1.3 Non Controlling Interest
1.4 Deduction
1.4.1 Deffered tax calculated
1.4.2 Goodwill
1.4.3 Other intangible assets
1.4.4 Investments in shares
1.4.5 Shortage of capital on insurance subsidiaries
1.4.6 Securitisation exposure
1.4.7 Other deduction core capital
1.4.8 Instrument AT1 and Tier 2 to other bank investment
2. Additional Tier 1
2.1 Instrument of AT1
2.2 Agio/Disagio
2.3 Deduction: Instrument AT1 and Tier 2 to other bank investment
RISK WEIGHTED ASSETS
CREDIT RISK - WEIGHTED ASSETS
MARKET RISK - WEIGHTED ASSETS
OPERATIONAL RISK - WEIGHTED ASSETS
TOTAL RISK WEIGHTED ASSETS
CAR BASED ON RISK PROFILE
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
17.81%
4,395,000
481,512
-
ALLOWANCES FOR IMPAIRMENT
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 earning 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
No.
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)
As at 30 September 2015
II. THIRD PARTIES
1. Placements with other banks
a. Rupiah
b. Foreign currencies
2. Spot and derivative receivables
a. Rupiah
b. Foreign currencies
3. Securities
a. Rupiah
b. Foreign currencies
4. Securities sold with agreement to repurchase (Repo)
a. Rupiah
b. Foreign currencies
5. Securities purchased with agreement to resell
(Reverse Repo)
a. Rupiah
b. Foreign currencies
6. Acceptances receivables
7. Loans
a. Micro, small and medium loans (UMKM)
i. Rupiah
ii. Foreign currencies
b. Non UMKM
i. Rupiah
ii. Foreign currencies
c. Restructured loans
i. Rupiah
ii. Foreign currencies
d. Property loans
8. Investments in shares
9. Temporary investment
10. Other Receivable - Trade Transaction
11. Commitments and contingencies
a. Rupiah
b. Foreign currencies
12. Repossessed assets
(In %)
RATIOS
Total
1,238,500
517,643
-
For the Periods Ended 30 September 2015 and 2014
BANK
30 September 2015
DESCRIPTION
4,395,000
481,512
-
STATEMENTS OF CASH FLOWS
15,087,161
585,205
15,672,366
619.44
STATEMENTS OF CALCULATION OF FINANCIAL RATIOS
COMMITMENT RECEIVABLES
1. Unused fund borrowings facilities
a. Rupiah
b. Foreign currencies
2. Outstanding purchase position on spot and derivative
3. Others
IV. CONTINGENT PAYABLES
1. Guarantees issued
a. Rupiah
b. Foreign currencies
2. Others
633,646
633,646
13,243,124
577,460
13,820,584
624.97
I.
CONSOLIDATED
30 September 2015 31 December 2014 30 September 2015 31 December 2014
(Audited)
(Audited)
III. CONTINGENT RECEIVABLES
1. Guarantees received
a. Rupiah
b. Foreign currencies
2. Unrecognized interest income
a. Interest loan
b. Others interest
3. Others
-
(10,403)
789,860
(157,972)
621,485
14,634,748
621,485
621,485
DESCRIPTION
DESCRIPTION
54,297
(1,813,215)
353,776
(1,411,942)
13,036,947
(1,411,942)
(1,411,942)
No.
II. COMMITMENT PAYABLES
1. Unused loan facilities granted to customer
a. BUMN
i. Committed
- Rupiah
7,367,132
- Foreign currencies
567,440
ii. Uncommitted
- Rupiah
8,046,578
- Foreign currencies
448,009
b. Others
i. Committed
23,034,304
ii. Uncommitted
59,440,670
2. Unused loan facilities granted to other banks
a. Committed
i. Rupiah
71,833
ii. Foreign currencies
b. Uncommitted
i. Rupiah
2,000
ii. Foreign currencies
3. Outstanding irrevocable letters of credit
a. Foreign L/C
10,176,511
b. Local L/C
3,754,262
4. Outstanding sales position on spot and derivative 1,741,061
5. Others
-
7,436,048
149,072
(2,051)
580,934
18,016
6,955,737
543,311
8,260,150
(11,039,422)
17,647,162
(In Millions of Rupiah) As at 30 September 2015 and 2014
As at 30 September 2015 and 2014
(In Millions of Rupiah)
BANK
*) Accumulated losses of Rp162,874,901 million has been eliminated against additional paid-in capital/agio through quasi-reorganisation on 30 April 2003.
**) Consolidated balance includes temporary syirkah funds from a Subsidiary.
***) Including Securities owned by Subsidiary which classified "At Cost", accordance with SFAS 110 "Accounting for Sukuk", which was effective since 1 January 2012.
STATEMENTS OF ASSETS’ QUALITY AND OTHER INFORMATION
As at 30 September 2015 and 31 December 2014
CONSOLIDATED
30 September 2014
13,036,947
13,036,947
-
STATEMENTS OF COMMITMENTS AND CONTINGENCIES
Bank
15.18%
15.18%
1.29%
16.47%
SHAREHOLDER
Ultimate Shareholder
*)
**)
***)
MANAGEMENT OF THE BANK
Board of Commissioners
- President Commissioner*)
- Deputy President Commissioner
- Independent Commissioner
- Commissioner
- Independent Commissioner
- Commissioner
- Independent Commissioner
- Independent Commissioner
:
:
:
:
:
:
:
:
Imam Apriyanto Putro
Abdul Aziz
Askolani
Aviliani
Suwhono
Goei Siauw Hong
Bangun Sarwito Kusmuljono
Board of Directors
- President Director
- Vice President Director
- Director
- Director
- Director
- Director
- Director
- Director
- Director
- Director
- Director
:
:
:
:
:
:
:
:
:
:
:
Budi Gunadi Sadikin
Sulaiman Arif Arianto
Sentot A. Sentausa
Ogi Prastomiyono
Pahala N. Mansury
Royke Tumilaar
Hery Gunardi
Tardi **)
Ahmad Siddik Badruddin
Kartini Sally
Kartika Wirjoatmodjo ***)
Tenure Mr. Darmin Nasution as Commissioner ends in connection with his appointment as Coordinating Minister for the Economy on August 12, 2015 and has not been appointed President Commissioner of the Substitute (vacant).
Has been approved by Otoritas Jasa Keuangan upon Fit & Proper Test.
Has obtained approval by Otoritas Jasa Keuangan on Fit & Proper Test and his appointment was effected by the issuance of Decree of the President of the Republic of Indonesia Number 124 / M Year 2015 dated August 10, 2015 on Members of the Board
of Commissioners accredited to the dismissal of Chief Executive of the Lembaga Penjamin Simpanan.
Notes :
1. Presentation of the above published Financial Statement as at and for nine months ended 30 September 2015 and 2014 are derived form 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 2014 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 & Rekan – a member Firm of PwC Global Network with partner in charge Drs.Haryanto Sahari,CPA whose report dated 2 February 2015 expressed an Unqualified Opinion.
2. The above Published Financial Statements are presented to comply with Otoritas Jasa Keuangan Regulation No. 6/POJK.03/2015 dated 31 March 2015 regarding Transparency and Published Financial Statements of the Bank and Circular
Letter of Otoritas Jasa Keuangan No.11/SEOJK.03/2015 dated 17 April 2015 regarding Transparency and Published Financial Statements of Commercial Banks and also in accordance with rule of Capital Market and Financial Institution
Supervisory Agency (Bapepam-LK) No.X.K.2. Decision of Chairman of Bapepam-LK No.Kep-346/BL/2011 dated 5 July 2011 regarding Submission of Periodic Financial Statement for Issuers or Public Companies.
Financial Information and Statement of Cash Flows included in the published financial statement have been prepared in accordance with Bapepam-LK regulation No.VIII.G7. Decision of Chairman of Bapepam-LK No.Kep-347/BL/2012
dated 25 June 2012.
3. Bank has adjusted Consolidated Financial Statements for the year 2015 in respect of the Implementation of SFAS 24 (Revised 2013) regarding Actuarial Benefit Program.
4. Related Parties in the Assets' Quality and Other Information are presented in accordance with Bank Indonesia Regulation No. 7/3/PBI/2005 dated 20 January 2005 which was amended by Bank Indonesia Regulation No. 8/13/PBI/2006
dated 5 October 2006 regarding The Legal Lending Limit For Commercial Banks.
5. Since 21 January 2015, the Financial Statements of PT Mandiri Utama Finance has been consolidated into the Consolidated Financial Statements of PT Bank Mandiri (Persero) Tbk. and Subsidiaries upon acquisition of 51.00% ownership
in PT Mandiri Utama Finance by PT Bank Mandiri (Persero) Tbk.
6. Since 23 June 2015, the Financial Statements of PT Mandiri Capital Indonesia has been consolidated into the Consolidated Financial Statements of PT Bank Mandiri (Persero) Tbk. and Subsidiaries upon acquisition of 99.00% ownership
in PT Mandiri Capital Indonesia by PT Bank Mandiri (Persero) Tbk.
7. Exchange rate of 1 US Dollar as at 30 September 2015, 30 September 2014 and 31 December 2014 were Rp14,650.00; Rp12,185.00 and Rp12,385.00 respectively.
Jakarta, 30 October 2015
S. E & O
Board of Directors
PT Bank Mandiri (Persero) Tbk.
Consolidated
14.63%
14.63%
1.45%
16.08%
*) Capital Adequacy Ratio as at 30 September 2015 has been calculated based on Bank Indonesia Regulation (PBI) No.15/12/PBI/2013 regarding Minimum Capital Adequacy Requirement for Commercial Bank, Capital Adequacy Ratio as at 30 September 2014 has been calculated
based on PBI No.14/18/PBI/2012 regarding Minimum Capital Adequacy Requirement for Commercial Bank.
Budi G. Sadikin
President Director
Kartika Wirjoatmodjo
Director