Q2 2015 June English
STATEMENTS OF FINANCIAL POSITION
As at 30 June 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.
STATEMENTS OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME
(In Millions of Rupiah)
BANK
DESCRIPTION
30 June 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
CONSOLIDATED
31 December 2014
(Audited)
30 June 2015
19,523,886
97,366,453
28,531,822
73,636
20,704,563
93,335,143
27,463,279
75,289
3,266,736
82,366,034
24,626,562
9,941,005
13,725,477
28,937,986
2,442,863
66,730,393
24,644,673
7,088,104
18,528,320
13,114,059
21,992,987
84,073,454
31,009,621
9,941,005
14,428,140
28,937,986
22,381,653
67,678,009
29,406,588
7,088,104
19,786,745
13,114,059
495,767,085
4,824,177
-
475,266,826
4,235,368
-
545,123,134
6,888,862
58,681
-
523,101,817
6,087,987
58,672
-
(129,476)
(16,721,531)
(2,176,286)
2,601,138
(1,588,703)
14,213,115
(5,951,455)
(127,801)
(15,927,985)
(1,850,478)
2,565,198
(1,472,270)
13,716,579
(5,514,581)
(281,477)
(18,268,782)
(2,428,515)
3,349,005
(1,712,316)
16,046,210
(7,116,098)
(272,861)
(17,706,947)
(2,077,815)
3,219,982
(1,575,399)
15,487,052
(6,558,196)
150,272
33,537
751,728
(12,382,956)
12,484,994
(249,240)
3,803,325
23,085,124
757,039,212
(14,487,762)
14,604,149
(267,796)
765,950
3,800,979
31,186,453
914,075,204
(12,382,956)
12,484,994
(262,302)
783,737
4,189,120
28,764,941
855,039,673
161,136,586
214,074,793
220,111,864
36,352,745
143,364
8,860,954
28,937,986
564
22,451,665
1,431,034
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
167,517,440
236,429,793
250,910,500
36,650,107
143,338
8,860,954
28,937,986
1,725,575
25,789,263
1,431,034
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
21,649,160
715,150,715
19,326,331
659,707,664
16,878,239
29,539,166
804,813,395
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)
-
290,651
(1,159,807)
(9,092)
239,925
(107,115)
-
203,625
(600,479)
137,095
(107,964)
-
-
-
-
-
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
10,032,180
101,976,655
101,976,655
817,127,370
42,511,775
19,428,328
97,331,548
97,331,548
757,039,212
59,719,329
9,924,439
107,236,637
2,025,172
109,261,809
914,075,204
47,438,360
19,871,873
102,657,881
2,186,681
104,844,562
855,039,673
DESCRIPTION
30 June 2015
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 and Sharia Income (Expenses), and Net Premium Income (Claim Expenses)
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
150,272
33,537
480,606
(14,487,762)
14,604,149
(254,734)
3,429,138
25,377,191
817,127,370
136,305
(1,251,024)
(6,800)
241,339
(22,967)
-
No.
31 December 2014
(Audited)
18,719,445
83,185,965
24,227,538
75,289
150,039
19,815
480,606
(In Millions of Rupiah)
BANK
17,190,231
91,710,382
24,861,693
73,636
150,039
19,815
751,728
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 June 2015 and 2014
30 June 2014
30 June 2015
30,502,321
28,283,412
2,218,909
11,749,096
11,048,779
700,317
18,753,225
18,753,225
25,586,042
23,800,817
1,785,225
9,143,578
8,743,484
400,094
16,442,464
16,442,464
34,571,085
32,272,345
2,298,740
13,371,176
12,667,646
703,530
21,199,909
5,036,629
3,481,128
1,555,501
22,755,410
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
8,025,289
6,377,901
8,140,774
7,275,163
740,747
-
1,506
684,145
-
740,747
-
81,863
684,145
-
268,170
106,715
751,420
4,609,697
40,551
1,507,989
14,354,391
102,226
87,386
38,722
3,868,494
1,112
1,594,310
11,560,870
284,284
120,209
581
5,054,101
40,551
1,900,301
17,811,962
116,948
100,148
4,363,575
2,513
1,925,971
14,606,938
195
-
-
71,023
-
-
-
-
-
-
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
6,940
3,702,277
327,743
(123)
393,418
(470)
5,904,491
396,723
7,009,940
(9,671,188)
13,084,222
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
87
9,079
9,166
12,433,289
3,342
3,457
6,799
11,266,294
100
2,082
2,182
13,086,404
3,342
1,971
5,313
12,557,461
(1,925,398)
(475,711)
10,032,180
(1,458,134)
(814,377)
8,993,783
(2,233,737)
(516,148)
10,336,519
(1,774,253)
(817,654)
9,965,554
-
38,113
(551,940)
101,522
(419,105)
9,613,075
(9,092)
-
(4,246)
863,012
(180,304)
678,462
9,672,245
10,032,180
10,032,180
(419,105)
(419,105)
9,613,075
9,613,075
-
(19,260)
877,306
(183,163)
674,883
10,640,437
9,924,439
412,080
10,336,519
678,462
678,462
9,585,405
380,149
9,965,554
(377,715)
(377,715)
9,672,245
9,672,245
-
674,883
674,883
9,546,724
412,080
9,958,804
425.33
10,260,288
380,149
10,640,437
410.81
STATEMENTS OF CALCULATION OF FINANCIAL RATIOS
Current
I.
RELATED 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
11. Commitments and contingencies
a. Rupiah
b. Foreign currencies
12. Repossessed assets
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
11. Commitments and contingencies
a. Rupiah
b. Foreign currencies
12. Repossessed assets
Special
Mention
Sub
Standard
No.
30 June 2014
Doubtful
Loss
Total
Current
Special
Mention
Sub
Standard
Doubtful
Loss
RATIOS
Total
22
1,641,576
-
-
-
-
22
1,641,576
22
1,363,473
-
-
-
-
22
1,363,473
-
-
-
-
-
-
-
-
-
-
-
248,813
-
293,951
1,287
-
-
-
-
293,951
1,287
248,813
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
14,963
-
-
-
-
14,963
19,047
-
-
-
-
19,047
1,722
1,722
11,702,093
3,499,457
8,202,636
9,456
4,235,629
133,325
491
491
-
561,227
-
-
25,191
-
1,722
1,722
11,702,584
3,499,948
8,202,636
9,456
4,822,047
133,325
7,487,467
3,567,091
3,920,376
14,964
3,644,451
-
2,399
2,399
-
-
414,227
-
111,469
-
7,489,866
3,569,490
3,920,376
14,964
4,170,147
-
889,867
6,085,470
-
336
-
-
-
-
890,203
6,085,470
-
497,386
2,789,183
-
182
-
-
-
-
497,568
2,789,183
-
21,093,073
44,170,682
-
-
-
48,622
21,093,073
44,219,304
20,095,365
33,905,216
-
-
-
53,073
20,095,365
33,958,289
67,709
5,927
-
-
-
-
67,709
5,927
416,479
138
-
-
-
-
416,479
138
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
79,486,355
30,390,739
-
-
-
87,000
-
79,573,355
30,390,739
77,027,064
17,394,784
-
-
-
86,863
-
77,113,927
17,394,784
9,941,005
-
-
-
-
-
9,941,005
-
7,232,155
-
-
-
-
-
7,232,155
-
13,725,477
28,814,642
108,381
-
-
-
13,725,477
28,923,023
1,815,222
10,127,876
127,418
-
-
-
1,815,222
10,255,294
65,313,037
64,935,566
377,471
383,713,995
322,004,168
61,709,827
8,789,614
3,880,067
4,909,547
24,802,508
1,955
13,011,936
5,809,549
5,804,185
5,364
19,254,234
14,756,172
4,498,062
9,431,594
5,804,709
3,626,885
3,681,547
761,012
479,346
479,346
1,827,491
1,082,140
745,351
1,338,651
768,422
570,229
108,306
52,862
821,671
821,671
985,041
930,284
54,757
242,063
187,306
54,757
107,466
175
-
1,931,244
1,931,244
3,927,171
2,618,416
1,308,755
1,090,278
342,533
747,745
353,280
1,072,176
74,354,847
73,972,012
382,835
409,707,932
341,391,180
68,316,752
20,892,200
10,983,037
9,909,163
29,053,107
1,955
175
14,897,986
58,309,796
58,051,117
258,679
339,096,824
284,162,848
54,933,976
6,254,704
3,243,318
3,011,386
25,121,974
1,955
12,079,781
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
602,958
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
969,532
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
13,652,271
103,900,619
62,876,017
-
1,105,848
696,592
-
13,123
7,646
-
3,567
-
14,856
52
19,815
105,038,013
63,580,307
19,815
98,586,252
62,225,570
-
513,640
184,665
-
2,065
14
-
2,342
-
87,331
1,345
19,815
99,191,630
62,411,594
19,815
30 June 2015
30 June 2014
17.63%
16.04%
1.31%
1.59%
2.55%
2.00%
0.63%
3.21%
23.68%
5.58%
67.75%
82.97%
1.22%
1.50%
2.81%
1.77%
0.47%
3.48%
24.49%
5.89%
64.77%
85.40%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
8.00%
8.10%
1.06%
8.10%
8.10%
1.16%
III. CONTINGENT RECEIVABLES
1. Guarantees received
a. Rupiah
b. Foreign currencies
2. Unrecognized interest income
a. Interest loan
b. Others interest
3. Others
IV. CONTINGENT PAYABLES
1. Guarantees issued
a. Rupiah
b. Foreign currencies
2. Others
TRANSACTION
A.
1.
2.
3.
Derivative Receivables & Payables
Trading
Hedging
Receivables
Payables
3,999,750
316,558
-
1,238,500
517,643
-
7,605,618
421,002
8,784,000
829,871
7,605,618
421,002
8,784,000
829,871
7,688,107
228,502
8,560,597
371,870
7,688,107
228,502
8,560,597
371,870
22,062,416
50,419,502
23,909,362
50,111,245
22,063,358
51,048,600
23,910,508
50,900,502
72,311
-
38,620
-
72,311
-
38,620
-
177,000
-
10,000
-
177,000
-
10,000
-
8,685,893
3,017,916
482,893
-
12,255,309
2,852,728
174,640
-
8,708,760
3,037,627
485,302
-
12,287,396
2,880,718
174,640
-
511,999
20,109,435
453,429
18,305,893
514,342
20,112,264
455,772
18,308,707
7,683,169
51,949
32,729
7,615,239
51,949
32,729
7,688,781
1,213,797
32,729
7,620,314
946,905
32,729
27,476,016
47,739,710
383,968
28,458,307
44,501,007
377,195
27,581,732
47,982,217
383,968
28,563,086
44,539,265
377,195
For the Periods Ended 30 June 2015 and 2014
(In Millions of Rupiah)
CONSOLIDATED
30 June 2015
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
4,780,031
6,160,437
4,716,008
53,750
64,023
6,106,687
9,649
14,088
7,506
39,591
49,842,477
-
49,276,519
-
565,958
-
44,146
-
40,838
-
B. Interest Rate Related
1. Forward
2. Option
a. Written
b. Purchased
3. Future
4. Swap
5. Others
-
-
-
-
-
35,673,940
-
-
35,673,940
-
5,753
-
55,429
-
C. Others
TOTAL
96,456,885
54,046,277
42,410,608
73,636
143,364
-
19,027,293
15,237,666
15.00%
6.07%
50.36%
47.26%
17,380,721
13,570,286
15.30%
6.71%
48.47%
45.32%
(2,555)
(1,050,441)
2,283,500
11,487,613
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
(12,579,750)
(13,063,092)
3,028
(566,788)
(129,023)
(3,390,645)
(5,384,520)
360
(607,427)
(71,669)
Net cash used in investing activities
(26,335,625)
(9,453,901)
(573,598)
(203,873)
(3,648,023)
(11)
2,748,365
(4,967,968)
643,823
235,604
263,725
(715,591)
1,790,725
(5,461,126)
(6,645,108)
(3,242,840)
38,494
(1,209,128)
1,884,120
2,860,607
Net cash used in financing activities
EFFECT OF EXCHANGE RATE CHANGES ON CASH AND CASH EQUIVALENT
138,804,383 121,023,158
CASH AND CASH EQUIVALENTS AT END OF YEAR
140,726,997 122,674,637
Cash and cash equivalent at end of year consist of :
Cash
19,523,886 16,347,441
Current accounts with Bank Indonesia
52,525,216 44,765,341
Current accounts with other banks
12,212,076 12,409,082
Placements with Bank Indonesia and other banks
55,986,975 48,352,773
Certificate of Bank Indonesia
478,844
800,000
Total cash and cash equivalents
140,726,997 122,674,637
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
(1,026,997)
(723,097)
Acquisition of fixed assets - payable
(375,619)
(467,082)
*) For comparative purposes, certain accounts in the Statement of Cash Flows for the periods ended 30 June
2014 have been reclassified to conform with the presentation of Statement of Cash flows for the periods
ended 30 June 2015.
13,310,459
2,696,876
1,200,347
-
10,701,957
1,273,997
1,317,936
-
STATEMENTS OF CALCULATION OF CAPITAL ADEQUACY RATIO COMMERCIAL BANK*)
(In Millions of Rupiah)
As at 30 June 2015 and 2014
30 June 2015
COMPONENTS OF CAPITAL
BANK
30 June 2014
CONSOLIDATED
BANK
85,522,650
85,522,650
11,666,667
83,086,330
17,476,308
2,333,333
54,349,199
10,032,180
136,305
(1,009,685)
(231,310)
(9,230,347)
(3,429,138)
(1,012,435)
(4,788,774)
-
93,759,906
93,759,906
11,666,667
88,419,689
17,316,192
2,333,333
59,719,328
9,924,439
290,651
(919,882)
(244,372)
844,927
(7,171,377)
(3,634,582)
(117,741)
(1,112,260)
(2,306,794)
-
74,258,685
74,258,685
-
79,848,780
79,848,780
-
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
14,354,398
1,244,269
6,088,014
7,022,115
-
14,956,594
1,244,269
6,690,210
7,022,115
-
6,701,247
-
8,336,535
-
108,716,500
80,959,932
99,877,048
30 June 2015
Bank
Consolidated
30 June 2014
Bank
Consolidated
Description
30 June 2015
Bank
Consolidated
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
Loans
Investments in shares
Temporary invesment
Other receivable
Commitments and contingencies
48,622
119,918
194,526
9,165,861
37,784
88
1,708,972
109,420
Collective
41,817
9,558
104,461
7,555,670
40,016
51,592
30 June 2014
Required Allowance for
Possible Losses on Earning Assets
General
Spesific
248,131
638
222,937
9,161
288,296
4,607,308
72
131,453
856,821
SHAREHOLDER
Ultimate Shareholder
53,073
127,795
149,791
9,312,326
40,582
253
1,439,119
196,216
Collective
Required Allowance for
Possible Losses on Earning Assets
General
Spesific
27,937
7,147
37,297
6,151,295
34,106
33,725
552,711
4,166
154,188
101,469
4,048,941
50
120,798
756,300
53,073
86,863
6,371
7,123,141
318,582
253
999,680
125,083
*)
**)
***)
****)
MANAGEMENT OF THE BANK
Board of Commissioners
- President Commissioner
- Deputy President Commissioner
- Independent Commissioner
- Commissioner
- Independent Commissioner
- Commissioner
- Independent Commissioner
- Independent Commissioner
- Independent Commissioner
:
:
:
:
:
:
:
:
:
Darmin Nasution ***)
Imam Apriyanto Putro ***)
Abdul Aziz **)
Askolani
Aviliani
Suwhono ***)
Goei Siauw Hong ***)
Bangun Sarwito Kusmuljono ***)
Cahaya Dwi Rembulan Sinaga *)
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 ****)
Based on General Shareholders' Meeting on 16 March 2015, waiting for approval from Otoritas Jasa Keuangan (OJK) upon fit & proper test.
Position become independent comissioner has been approved by Otoritas Jasa Keuangan upon fit and proper test.
Has been approved by Otoritas Jasa Keuangan upon fit & proper test.
Has been approved from Otoritas Jasa Keuangan upon fit & proper test dated 3 July 2015, which will be effective after obtaining approval from President Republic of Indonesia regarding to discontinuation as a member of Board of
Commissioner concurrently as a Chief Executive to Lembaga Penjamin Simpanan.
Notes :
1. Presentation of the above published Financial Statement as at and for six months ended 30 June 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 June 2015, 30 June 2014 and 31 December 2014 were Rp13,332.50; Rp11,855.00 and Rp12,385.00 respectively.
Jakarta, 31 July 2015
S. E & O
Board of Directors
PT Bank Mandiri (Persero) Tbk.
88,185,315
30 June 2014
Bank
48,622
87,000
5,419
8,361,010
109,375
88
1,118,156
78,038
Allowance for Impairment
Individual
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
III. Total Core Capital and Supplemental Capital (I+II)
(In Millions of Rupiah)
30 June 2015
DESCRIPTION
(1,652,120)
442,684
5,586,140 (3,613,080)
(1,791,084) (4,808,738)
(25,390,289) (13,869,189)
5,358,605
1,021,154
(882,910)
(981,869)
14,687
(100,189)
(136,789)
(222,021)
(547,199)
(375,236)
312,547
(725,964)
1,149,036
1,287,226
(1,562)
(705,463)
(1,499,664)
33,019,227
As at 30 June 2015 and 2014
No.
33,141,211 28,187,558
6,581,400
5,601,936
(13,366,735) (11,044,294)
35,636,789 13,854,167
(36,716,846) (14,382,366)
1,129,605 (3,143,768)
780,048
660,037
(2,841,787) (1,549,823)
(6,380,833) (5,592,930)
(5,048,041) (4,411,763)
2,182
5,312
(3,109,900) (2,139,225)
9,807,093
6,044,841
(3,865,681)
(8,913,939)
27,726,302
5,106,525
570,812
2,668,502
(1,083,131)
3,948,100
ALLOWANCES FOR IMPAIRMENT
-
30 June 2014*)
40,800,165
(15,991,409)
15,568,636
(819,106)
109,792
(465,560)
(67,289)
4,262,970
CASH AND CASH EQUIVALENTS AT BEGINNING OF YEAR
Exchange Rate Related
Spot
Forward
Option
a. Written
b. Purchased
4. Future
5. Swap
6. Others
31 December 2014
(Audited)
1,238,500
517,643
-
NET INCREASE IN CASH AND CASH EQUIVALENTS
Type
Notional Amount
30 June 2015
3,999,750
314,146
-
STATEMENTS OF CASH FLOWS
(In Millions of Rupiah)
BANK
No.
COMMITMENT RECEIVABLES
1. Unused fund borrowings facilities
a. Rupiah
b. Foreign currencies
2. Outstanding purchase position on spot and derivative
3. Others
CONSOLIDATED
31 December 2014
(Audited)
CASH FLOWS FROM FINANCING ACTIVITIES
(Increase)/decrease of investment in Subsidiaries
(Decrease)/increase in marketable securities issued
(Decrease)/increase in fund borrowings
Decrease in Subordinated Loans
Increase in securities sold under repurchase agreements
Payments of dividends
STATEMENTS OF SPOT AND DERIVATIVE TRANSACTIONS
As at 30 June 2015
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.
(In %)
BANK
30 June 2015
DESCRIPTION
I.
30 June 2015
DESCRIPTION
-
87,026
(559,328)
103,679
(377,715)
9,958,804
8,993,783
8,993,783
DESCRIPTION
II. 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
3,390,071
217,716
(123)
393,418
1,043
4,627,138
319,336
5,405,597
(6,329,102)
12,424,123
(6,800)
-
No.
30 June 2014
BANK
No.
(In Millions of Rupiah)
BANK
(In Millions of Rupiah) As at 30 June 2015 and 2014
As at 30 June 2015 and 2014
As at 30 June 2015 and 31 December 2014
CONSOLIDATED
*) Accumulated losses of Rp162,874,901 million has been eliminated against additional paid-in capital/agio through quasi-reorganisation on 30 April 2003.
**) Consolidated balance includes temporary syirkah funds from a Subsidiary.
***) Including Securities owned by Subsidiary which classsified "At Cost", accordance with SFAS 110 "Accounting for Sukuk", which was effective since 1 January 2012.
STATEMENTS OF ASSETS’ QUALITY AND OTHER INFORMATION
STATEMENTS OF COMMITMENTS AND CONTINGENCIES
Consolidated
RISK WEIGHTED ASSETS
CAR
CREDIT RISK - WEIGHTED ASSETS
487,041,127
535,216,769
435,976,522
481,926,449
CET1 RATIO
15.10%
14.84%
14.71%
14.19%
MARKET RISK - WEIGHTED ASSETS
775,007
938,454
1,059,349
1,306,492
Tier 1 Ratio
15.10%
14.84%
14.71%
14.19%
OPERATIONAL RISK - WEIGHTED ASSETS
78,627,774
95,640,437
67,786,852
79,511,930
Tier 2 Ratio
2.53%
2.37%
1.33%
1.48%
TOTAL WEIGHTED ASSETS
566,443,908
631,795,660
504,822,723
562,744,871
Total Ratio
17.63%
17.21%
16.04%
15.67%
CAR BASED ON RISK PROFILE
9.00%
9.00%
9.00%
9.00%
*) Capital Adequacy Ratio as at 30 June 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 June 2014 has been calculated based on
PBI No.14/18/PBI/2012 regarding Minimum Capital Adequacy Requirement for Commercial Bank.
Alpha Southeast Asia,
Finance Asia, The Asset and
Corporate Treasurer
MRI and Infobank Magazine
Indonesia Institute for
Corporate Governance (IICG)
and SW A Magazine
Budi G. Sadikin
President Director
Pahala N. Mansury
Director
As at 30 June 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.
STATEMENTS OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME
(In Millions of Rupiah)
BANK
DESCRIPTION
30 June 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
CONSOLIDATED
31 December 2014
(Audited)
30 June 2015
19,523,886
97,366,453
28,531,822
73,636
20,704,563
93,335,143
27,463,279
75,289
3,266,736
82,366,034
24,626,562
9,941,005
13,725,477
28,937,986
2,442,863
66,730,393
24,644,673
7,088,104
18,528,320
13,114,059
21,992,987
84,073,454
31,009,621
9,941,005
14,428,140
28,937,986
22,381,653
67,678,009
29,406,588
7,088,104
19,786,745
13,114,059
495,767,085
4,824,177
-
475,266,826
4,235,368
-
545,123,134
6,888,862
58,681
-
523,101,817
6,087,987
58,672
-
(129,476)
(16,721,531)
(2,176,286)
2,601,138
(1,588,703)
14,213,115
(5,951,455)
(127,801)
(15,927,985)
(1,850,478)
2,565,198
(1,472,270)
13,716,579
(5,514,581)
(281,477)
(18,268,782)
(2,428,515)
3,349,005
(1,712,316)
16,046,210
(7,116,098)
(272,861)
(17,706,947)
(2,077,815)
3,219,982
(1,575,399)
15,487,052
(6,558,196)
150,272
33,537
751,728
(12,382,956)
12,484,994
(249,240)
3,803,325
23,085,124
757,039,212
(14,487,762)
14,604,149
(267,796)
765,950
3,800,979
31,186,453
914,075,204
(12,382,956)
12,484,994
(262,302)
783,737
4,189,120
28,764,941
855,039,673
161,136,586
214,074,793
220,111,864
36,352,745
143,364
8,860,954
28,937,986
564
22,451,665
1,431,034
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
167,517,440
236,429,793
250,910,500
36,650,107
143,338
8,860,954
28,937,986
1,725,575
25,789,263
1,431,034
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
21,649,160
715,150,715
19,326,331
659,707,664
16,878,239
29,539,166
804,813,395
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)
-
290,651
(1,159,807)
(9,092)
239,925
(107,115)
-
203,625
(600,479)
137,095
(107,964)
-
-
-
-
-
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
10,032,180
101,976,655
101,976,655
817,127,370
42,511,775
19,428,328
97,331,548
97,331,548
757,039,212
59,719,329
9,924,439
107,236,637
2,025,172
109,261,809
914,075,204
47,438,360
19,871,873
102,657,881
2,186,681
104,844,562
855,039,673
DESCRIPTION
30 June 2015
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 and Sharia Income (Expenses), and Net Premium Income (Claim Expenses)
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
150,272
33,537
480,606
(14,487,762)
14,604,149
(254,734)
3,429,138
25,377,191
817,127,370
136,305
(1,251,024)
(6,800)
241,339
(22,967)
-
No.
31 December 2014
(Audited)
18,719,445
83,185,965
24,227,538
75,289
150,039
19,815
480,606
(In Millions of Rupiah)
BANK
17,190,231
91,710,382
24,861,693
73,636
150,039
19,815
751,728
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 June 2015 and 2014
30 June 2014
30 June 2015
30,502,321
28,283,412
2,218,909
11,749,096
11,048,779
700,317
18,753,225
18,753,225
25,586,042
23,800,817
1,785,225
9,143,578
8,743,484
400,094
16,442,464
16,442,464
34,571,085
32,272,345
2,298,740
13,371,176
12,667,646
703,530
21,199,909
5,036,629
3,481,128
1,555,501
22,755,410
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
8,025,289
6,377,901
8,140,774
7,275,163
740,747
-
1,506
684,145
-
740,747
-
81,863
684,145
-
268,170
106,715
751,420
4,609,697
40,551
1,507,989
14,354,391
102,226
87,386
38,722
3,868,494
1,112
1,594,310
11,560,870
284,284
120,209
581
5,054,101
40,551
1,900,301
17,811,962
116,948
100,148
4,363,575
2,513
1,925,971
14,606,938
195
-
-
71,023
-
-
-
-
-
-
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
6,940
3,702,277
327,743
(123)
393,418
(470)
5,904,491
396,723
7,009,940
(9,671,188)
13,084,222
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
87
9,079
9,166
12,433,289
3,342
3,457
6,799
11,266,294
100
2,082
2,182
13,086,404
3,342
1,971
5,313
12,557,461
(1,925,398)
(475,711)
10,032,180
(1,458,134)
(814,377)
8,993,783
(2,233,737)
(516,148)
10,336,519
(1,774,253)
(817,654)
9,965,554
-
38,113
(551,940)
101,522
(419,105)
9,613,075
(9,092)
-
(4,246)
863,012
(180,304)
678,462
9,672,245
10,032,180
10,032,180
(419,105)
(419,105)
9,613,075
9,613,075
-
(19,260)
877,306
(183,163)
674,883
10,640,437
9,924,439
412,080
10,336,519
678,462
678,462
9,585,405
380,149
9,965,554
(377,715)
(377,715)
9,672,245
9,672,245
-
674,883
674,883
9,546,724
412,080
9,958,804
425.33
10,260,288
380,149
10,640,437
410.81
STATEMENTS OF CALCULATION OF FINANCIAL RATIOS
Current
I.
RELATED 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
11. Commitments and contingencies
a. Rupiah
b. Foreign currencies
12. Repossessed assets
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
11. Commitments and contingencies
a. Rupiah
b. Foreign currencies
12. Repossessed assets
Special
Mention
Sub
Standard
No.
30 June 2014
Doubtful
Loss
Total
Current
Special
Mention
Sub
Standard
Doubtful
Loss
RATIOS
Total
22
1,641,576
-
-
-
-
22
1,641,576
22
1,363,473
-
-
-
-
22
1,363,473
-
-
-
-
-
-
-
-
-
-
-
248,813
-
293,951
1,287
-
-
-
-
293,951
1,287
248,813
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
14,963
-
-
-
-
14,963
19,047
-
-
-
-
19,047
1,722
1,722
11,702,093
3,499,457
8,202,636
9,456
4,235,629
133,325
491
491
-
561,227
-
-
25,191
-
1,722
1,722
11,702,584
3,499,948
8,202,636
9,456
4,822,047
133,325
7,487,467
3,567,091
3,920,376
14,964
3,644,451
-
2,399
2,399
-
-
414,227
-
111,469
-
7,489,866
3,569,490
3,920,376
14,964
4,170,147
-
889,867
6,085,470
-
336
-
-
-
-
890,203
6,085,470
-
497,386
2,789,183
-
182
-
-
-
-
497,568
2,789,183
-
21,093,073
44,170,682
-
-
-
48,622
21,093,073
44,219,304
20,095,365
33,905,216
-
-
-
53,073
20,095,365
33,958,289
67,709
5,927
-
-
-
-
67,709
5,927
416,479
138
-
-
-
-
416,479
138
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
79,486,355
30,390,739
-
-
-
87,000
-
79,573,355
30,390,739
77,027,064
17,394,784
-
-
-
86,863
-
77,113,927
17,394,784
9,941,005
-
-
-
-
-
9,941,005
-
7,232,155
-
-
-
-
-
7,232,155
-
13,725,477
28,814,642
108,381
-
-
-
13,725,477
28,923,023
1,815,222
10,127,876
127,418
-
-
-
1,815,222
10,255,294
65,313,037
64,935,566
377,471
383,713,995
322,004,168
61,709,827
8,789,614
3,880,067
4,909,547
24,802,508
1,955
13,011,936
5,809,549
5,804,185
5,364
19,254,234
14,756,172
4,498,062
9,431,594
5,804,709
3,626,885
3,681,547
761,012
479,346
479,346
1,827,491
1,082,140
745,351
1,338,651
768,422
570,229
108,306
52,862
821,671
821,671
985,041
930,284
54,757
242,063
187,306
54,757
107,466
175
-
1,931,244
1,931,244
3,927,171
2,618,416
1,308,755
1,090,278
342,533
747,745
353,280
1,072,176
74,354,847
73,972,012
382,835
409,707,932
341,391,180
68,316,752
20,892,200
10,983,037
9,909,163
29,053,107
1,955
175
14,897,986
58,309,796
58,051,117
258,679
339,096,824
284,162,848
54,933,976
6,254,704
3,243,318
3,011,386
25,121,974
1,955
12,079,781
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
602,958
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
969,532
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
13,652,271
103,900,619
62,876,017
-
1,105,848
696,592
-
13,123
7,646
-
3,567
-
14,856
52
19,815
105,038,013
63,580,307
19,815
98,586,252
62,225,570
-
513,640
184,665
-
2,065
14
-
2,342
-
87,331
1,345
19,815
99,191,630
62,411,594
19,815
30 June 2015
30 June 2014
17.63%
16.04%
1.31%
1.59%
2.55%
2.00%
0.63%
3.21%
23.68%
5.58%
67.75%
82.97%
1.22%
1.50%
2.81%
1.77%
0.47%
3.48%
24.49%
5.89%
64.77%
85.40%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
8.00%
8.10%
1.06%
8.10%
8.10%
1.16%
III. CONTINGENT RECEIVABLES
1. Guarantees received
a. Rupiah
b. Foreign currencies
2. Unrecognized interest income
a. Interest loan
b. Others interest
3. Others
IV. CONTINGENT PAYABLES
1. Guarantees issued
a. Rupiah
b. Foreign currencies
2. Others
TRANSACTION
A.
1.
2.
3.
Derivative Receivables & Payables
Trading
Hedging
Receivables
Payables
3,999,750
316,558
-
1,238,500
517,643
-
7,605,618
421,002
8,784,000
829,871
7,605,618
421,002
8,784,000
829,871
7,688,107
228,502
8,560,597
371,870
7,688,107
228,502
8,560,597
371,870
22,062,416
50,419,502
23,909,362
50,111,245
22,063,358
51,048,600
23,910,508
50,900,502
72,311
-
38,620
-
72,311
-
38,620
-
177,000
-
10,000
-
177,000
-
10,000
-
8,685,893
3,017,916
482,893
-
12,255,309
2,852,728
174,640
-
8,708,760
3,037,627
485,302
-
12,287,396
2,880,718
174,640
-
511,999
20,109,435
453,429
18,305,893
514,342
20,112,264
455,772
18,308,707
7,683,169
51,949
32,729
7,615,239
51,949
32,729
7,688,781
1,213,797
32,729
7,620,314
946,905
32,729
27,476,016
47,739,710
383,968
28,458,307
44,501,007
377,195
27,581,732
47,982,217
383,968
28,563,086
44,539,265
377,195
For the Periods Ended 30 June 2015 and 2014
(In Millions of Rupiah)
CONSOLIDATED
30 June 2015
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
4,780,031
6,160,437
4,716,008
53,750
64,023
6,106,687
9,649
14,088
7,506
39,591
49,842,477
-
49,276,519
-
565,958
-
44,146
-
40,838
-
B. Interest Rate Related
1. Forward
2. Option
a. Written
b. Purchased
3. Future
4. Swap
5. Others
-
-
-
-
-
35,673,940
-
-
35,673,940
-
5,753
-
55,429
-
C. Others
TOTAL
96,456,885
54,046,277
42,410,608
73,636
143,364
-
19,027,293
15,237,666
15.00%
6.07%
50.36%
47.26%
17,380,721
13,570,286
15.30%
6.71%
48.47%
45.32%
(2,555)
(1,050,441)
2,283,500
11,487,613
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
(12,579,750)
(13,063,092)
3,028
(566,788)
(129,023)
(3,390,645)
(5,384,520)
360
(607,427)
(71,669)
Net cash used in investing activities
(26,335,625)
(9,453,901)
(573,598)
(203,873)
(3,648,023)
(11)
2,748,365
(4,967,968)
643,823
235,604
263,725
(715,591)
1,790,725
(5,461,126)
(6,645,108)
(3,242,840)
38,494
(1,209,128)
1,884,120
2,860,607
Net cash used in financing activities
EFFECT OF EXCHANGE RATE CHANGES ON CASH AND CASH EQUIVALENT
138,804,383 121,023,158
CASH AND CASH EQUIVALENTS AT END OF YEAR
140,726,997 122,674,637
Cash and cash equivalent at end of year consist of :
Cash
19,523,886 16,347,441
Current accounts with Bank Indonesia
52,525,216 44,765,341
Current accounts with other banks
12,212,076 12,409,082
Placements with Bank Indonesia and other banks
55,986,975 48,352,773
Certificate of Bank Indonesia
478,844
800,000
Total cash and cash equivalents
140,726,997 122,674,637
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
(1,026,997)
(723,097)
Acquisition of fixed assets - payable
(375,619)
(467,082)
*) For comparative purposes, certain accounts in the Statement of Cash Flows for the periods ended 30 June
2014 have been reclassified to conform with the presentation of Statement of Cash flows for the periods
ended 30 June 2015.
13,310,459
2,696,876
1,200,347
-
10,701,957
1,273,997
1,317,936
-
STATEMENTS OF CALCULATION OF CAPITAL ADEQUACY RATIO COMMERCIAL BANK*)
(In Millions of Rupiah)
As at 30 June 2015 and 2014
30 June 2015
COMPONENTS OF CAPITAL
BANK
30 June 2014
CONSOLIDATED
BANK
85,522,650
85,522,650
11,666,667
83,086,330
17,476,308
2,333,333
54,349,199
10,032,180
136,305
(1,009,685)
(231,310)
(9,230,347)
(3,429,138)
(1,012,435)
(4,788,774)
-
93,759,906
93,759,906
11,666,667
88,419,689
17,316,192
2,333,333
59,719,328
9,924,439
290,651
(919,882)
(244,372)
844,927
(7,171,377)
(3,634,582)
(117,741)
(1,112,260)
(2,306,794)
-
74,258,685
74,258,685
-
79,848,780
79,848,780
-
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
14,354,398
1,244,269
6,088,014
7,022,115
-
14,956,594
1,244,269
6,690,210
7,022,115
-
6,701,247
-
8,336,535
-
108,716,500
80,959,932
99,877,048
30 June 2015
Bank
Consolidated
30 June 2014
Bank
Consolidated
Description
30 June 2015
Bank
Consolidated
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
Loans
Investments in shares
Temporary invesment
Other receivable
Commitments and contingencies
48,622
119,918
194,526
9,165,861
37,784
88
1,708,972
109,420
Collective
41,817
9,558
104,461
7,555,670
40,016
51,592
30 June 2014
Required Allowance for
Possible Losses on Earning Assets
General
Spesific
248,131
638
222,937
9,161
288,296
4,607,308
72
131,453
856,821
SHAREHOLDER
Ultimate Shareholder
53,073
127,795
149,791
9,312,326
40,582
253
1,439,119
196,216
Collective
Required Allowance for
Possible Losses on Earning Assets
General
Spesific
27,937
7,147
37,297
6,151,295
34,106
33,725
552,711
4,166
154,188
101,469
4,048,941
50
120,798
756,300
53,073
86,863
6,371
7,123,141
318,582
253
999,680
125,083
*)
**)
***)
****)
MANAGEMENT OF THE BANK
Board of Commissioners
- President Commissioner
- Deputy President Commissioner
- Independent Commissioner
- Commissioner
- Independent Commissioner
- Commissioner
- Independent Commissioner
- Independent Commissioner
- Independent Commissioner
:
:
:
:
:
:
:
:
:
Darmin Nasution ***)
Imam Apriyanto Putro ***)
Abdul Aziz **)
Askolani
Aviliani
Suwhono ***)
Goei Siauw Hong ***)
Bangun Sarwito Kusmuljono ***)
Cahaya Dwi Rembulan Sinaga *)
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 ****)
Based on General Shareholders' Meeting on 16 March 2015, waiting for approval from Otoritas Jasa Keuangan (OJK) upon fit & proper test.
Position become independent comissioner has been approved by Otoritas Jasa Keuangan upon fit and proper test.
Has been approved by Otoritas Jasa Keuangan upon fit & proper test.
Has been approved from Otoritas Jasa Keuangan upon fit & proper test dated 3 July 2015, which will be effective after obtaining approval from President Republic of Indonesia regarding to discontinuation as a member of Board of
Commissioner concurrently as a Chief Executive to Lembaga Penjamin Simpanan.
Notes :
1. Presentation of the above published Financial Statement as at and for six months ended 30 June 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 June 2015, 30 June 2014 and 31 December 2014 were Rp13,332.50; Rp11,855.00 and Rp12,385.00 respectively.
Jakarta, 31 July 2015
S. E & O
Board of Directors
PT Bank Mandiri (Persero) Tbk.
88,185,315
30 June 2014
Bank
48,622
87,000
5,419
8,361,010
109,375
88
1,118,156
78,038
Allowance for Impairment
Individual
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
III. Total Core Capital and Supplemental Capital (I+II)
(In Millions of Rupiah)
30 June 2015
DESCRIPTION
(1,652,120)
442,684
5,586,140 (3,613,080)
(1,791,084) (4,808,738)
(25,390,289) (13,869,189)
5,358,605
1,021,154
(882,910)
(981,869)
14,687
(100,189)
(136,789)
(222,021)
(547,199)
(375,236)
312,547
(725,964)
1,149,036
1,287,226
(1,562)
(705,463)
(1,499,664)
33,019,227
As at 30 June 2015 and 2014
No.
33,141,211 28,187,558
6,581,400
5,601,936
(13,366,735) (11,044,294)
35,636,789 13,854,167
(36,716,846) (14,382,366)
1,129,605 (3,143,768)
780,048
660,037
(2,841,787) (1,549,823)
(6,380,833) (5,592,930)
(5,048,041) (4,411,763)
2,182
5,312
(3,109,900) (2,139,225)
9,807,093
6,044,841
(3,865,681)
(8,913,939)
27,726,302
5,106,525
570,812
2,668,502
(1,083,131)
3,948,100
ALLOWANCES FOR IMPAIRMENT
-
30 June 2014*)
40,800,165
(15,991,409)
15,568,636
(819,106)
109,792
(465,560)
(67,289)
4,262,970
CASH AND CASH EQUIVALENTS AT BEGINNING OF YEAR
Exchange Rate Related
Spot
Forward
Option
a. Written
b. Purchased
4. Future
5. Swap
6. Others
31 December 2014
(Audited)
1,238,500
517,643
-
NET INCREASE IN CASH AND CASH EQUIVALENTS
Type
Notional Amount
30 June 2015
3,999,750
314,146
-
STATEMENTS OF CASH FLOWS
(In Millions of Rupiah)
BANK
No.
COMMITMENT RECEIVABLES
1. Unused fund borrowings facilities
a. Rupiah
b. Foreign currencies
2. Outstanding purchase position on spot and derivative
3. Others
CONSOLIDATED
31 December 2014
(Audited)
CASH FLOWS FROM FINANCING ACTIVITIES
(Increase)/decrease of investment in Subsidiaries
(Decrease)/increase in marketable securities issued
(Decrease)/increase in fund borrowings
Decrease in Subordinated Loans
Increase in securities sold under repurchase agreements
Payments of dividends
STATEMENTS OF SPOT AND DERIVATIVE TRANSACTIONS
As at 30 June 2015
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.
(In %)
BANK
30 June 2015
DESCRIPTION
I.
30 June 2015
DESCRIPTION
-
87,026
(559,328)
103,679
(377,715)
9,958,804
8,993,783
8,993,783
DESCRIPTION
II. 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
3,390,071
217,716
(123)
393,418
1,043
4,627,138
319,336
5,405,597
(6,329,102)
12,424,123
(6,800)
-
No.
30 June 2014
BANK
No.
(In Millions of Rupiah)
BANK
(In Millions of Rupiah) As at 30 June 2015 and 2014
As at 30 June 2015 and 2014
As at 30 June 2015 and 31 December 2014
CONSOLIDATED
*) Accumulated losses of Rp162,874,901 million has been eliminated against additional paid-in capital/agio through quasi-reorganisation on 30 April 2003.
**) Consolidated balance includes temporary syirkah funds from a Subsidiary.
***) Including Securities owned by Subsidiary which classsified "At Cost", accordance with SFAS 110 "Accounting for Sukuk", which was effective since 1 January 2012.
STATEMENTS OF ASSETS’ QUALITY AND OTHER INFORMATION
STATEMENTS OF COMMITMENTS AND CONTINGENCIES
Consolidated
RISK WEIGHTED ASSETS
CAR
CREDIT RISK - WEIGHTED ASSETS
487,041,127
535,216,769
435,976,522
481,926,449
CET1 RATIO
15.10%
14.84%
14.71%
14.19%
MARKET RISK - WEIGHTED ASSETS
775,007
938,454
1,059,349
1,306,492
Tier 1 Ratio
15.10%
14.84%
14.71%
14.19%
OPERATIONAL RISK - WEIGHTED ASSETS
78,627,774
95,640,437
67,786,852
79,511,930
Tier 2 Ratio
2.53%
2.37%
1.33%
1.48%
TOTAL WEIGHTED ASSETS
566,443,908
631,795,660
504,822,723
562,744,871
Total Ratio
17.63%
17.21%
16.04%
15.67%
CAR BASED ON RISK PROFILE
9.00%
9.00%
9.00%
9.00%
*) Capital Adequacy Ratio as at 30 June 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 June 2014 has been calculated based on
PBI No.14/18/PBI/2012 regarding Minimum Capital Adequacy Requirement for Commercial Bank.
Alpha Southeast Asia,
Finance Asia, The Asset and
Corporate Treasurer
MRI and Infobank Magazine
Indonesia Institute for
Corporate Governance (IICG)
and SW A Magazine
Budi G. Sadikin
President Director
Pahala N. Mansury
Director