Jun 30, 2016 - Including Securities owned by Subsidiary which classified "At Cost", accordance with SFAS 110 "Accounting
STATEMENT OF FINANCIAL POSITION PT BANK MANDIRI (PERSERO) Tbk. As of 30 June 2016 and 31 December 2015 (In Millions of Rupiah)
BANK NO.
DESCRIPTION
30 June 2016
CONSOLIDATED
31 December 2015
30 June 2016
(Audited)
31 December 2015 (Audited)
ASSETS 1. Cash
21,783,697
23,118,246
23,550,297
25,109,124
2. Placements with Bank Indonesia
91,189,195
77,227,592
98,637,786
83,452,384
3. Placements with other banks
23,989,015
16,161,252
28,009,498
20,405,181
438,018
702,877
441,618
703,186
4. Spot and derivative receivables 5. Securities a. Fair value through profit/loss
2,444,482
2,525,862
23,393,805
20,979,816
b. Available for sale
84,329,417
84,299,093
87,277,850
86,600,853
c. Held to maturity ***)
18,879,518
25,267,020
27,710,774
34,467,541
d. Loans and receivables 6. Securities sold under repurchase agreements (Repo ) 7. Securities purchased under resale agreements (Reverse Repo ) 8. Acceptances receivables
9,735,182 13,204,195
5,342,711 11,331,273
9,735,182
5,342,711
607,248
676,900
13,204,195
11,331,273
9. Loans a. Fair value through profit/loss
-
-
-
-
b. Available for sale
-
-
-
-
c. Held to maturity
-
-
-
d. Loans and receivables
546,952,351
536,029,812
10. Consumer financing receivables
-
-
11. Sharia financing
-
-
12. Investments in shares
5,694,141
13. Policy holder's investment in Unit Link Contract
-
5,354,140 -
-
599,973,244
586,675,437
10,278,306
8,178,063
151,247 -
58,644 -
14. Allowance for impairment on financial assets -/a. Securities
(72,875)
(133,392)
(224,970)
(285,317)
b. Loans
(24,492,020)
(20,470,785)
(26,255,797)
(22,281,842)
c. Others
(2,086,246)
(1,928,050)
(2,418,857)
(2,215,456)
3,090,995
3,109,126
3,791,585
3,793,181
(1,890,314)
(1,733,034)
(2,058,419)
(1,877,989)
41,181,076
15,352,695
43,774,798
17,470,126
(6,978,491)
(6,443,338)
(8,373,212)
(7,708,438)
15. Intangible assets Accumulated amortisation for intangible assets -/16. Premises and equipment Accumulated depreciation for premises and equipment -/17. Non earning assets a. Abandoned properties b. Repossessed assets c. Suspense account
150,039
150,039
150,272
19,815
19,815
21,414
150,272 21,414
1,348,564
573,821
1,348,564
573,821
d. Inter office assets i. Operational activities conducted in Indonesia ii. Operational activities conducted outside Indonesia 18. Allowance for impairment on non financial assets -/19. Lease Financing
(19,034,312)
(19,487,387)
(19,034,312)
(19,487,387)
19,100,262
19,567,324
19,100,262
19,567,324
(302,423) -
20. Deferred tax assets 21. Other assets TOTAL ASSETS
(309,964) -
(303,362)
(310,903)
635,161
604,150
3,572,692
4,318,681
4,060,179
4,834,522
26,649,950
27,605,683
34,260,078
33,234,818
858,895,923
807,551,112
971,444,434
910,063,409
STATEMENT OF FINANCIAL POSITION PT BANK MANDIRI (PERSERO) Tbk. As of 30 June 2016 and 31 December 2015 (In Millions of Rupiah)
BANK NO.
1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11.
12. 13.
14. 15. 16. 17.
DESCRIPTION
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 Securities sold under repurchase agreements (Repo ) Acceptances liabilities Securities issued Fund borrowings a. Loans capital b. Others fund borrowings Margin deposits received Inter office liabilities a. Operational activities conducted in Indonesia b. Operational activities conducted outside Indonesia Deferred tax liabilities Liability to Unit Link Holders Other liabilities Investment fund - profit sharing TOTAL LIABILITIES
30 June 2016
31 December 2015
30 June 2016
31 December 2015
(Audited)
(Audited)
(Audited)
(Audited)
158,886,732 248,607,824 217,636,055 15,714,513 271,718 8,792,664 13,204,195 564 32,433,531 1,597,680
166,404,947 246,324,710 200,431,272 12,440,574 303,547 4,863,171 11,331,273 564 33,686,787 1,863,755
165,815,213 273,584,487 251,958,889 15,939,702 271,718 8,792,664 13,204,195 3,280,094 37,731,430 1,597,680
172,165,990 271,707,530 232,513,741 12,951,692 303,661 4,863,171 11,331,273 2,320,975 37,504,851 1,863,755
22,658,762 719,804,238
18,154,547 695,805,147
19,282,818 32,896,350 824,355,240
17,019,049 26,025,880 790,571,568
EQUITY 18. Share capital a. Authorised capital 16,000,000 b. Unpaid-in capital-/(4,333,333) c. Treasury stock -/19. Additional Paid-in Capital a. Agio 17,476,308 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 41,802 b. Gain (Losses) from changes of financial assets on available for sale 137,390 c. Effective cash flow hedges d. Premises and equipment revaluation increment 25,588,987 e. Other comprehensive income from entity associations f. Gain (Losses) from actuarial benefit program 298,874 g. Income tax related to other comprehensive income (904,679) 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 2,333,333 b. Appropriated reserve 9,299,632 25. Retained Earning a. Previous years *) 66,075,622 b. Current year 7,077,749 TOTAL EQUITY ATTRIBUTABLE TO OWNER 139,091,685 26. Non controlling interest TOTAL EQUITY 139,091,685 TOTAL LIABILITIES AND EQUITY *) **) ***)
CONSOLIDATED
858,895,923
16,000,000 (4,333,333) -
16,000,000 (4,333,333) -
16,000,000 (4,333,333) -
17,476,308 -
17,316,192 -
17,316,192 -
69,774 (1,901,815) 308,294 317,660 -
188,272 210,268 25,932,955 333,333 (950,552) (92,751)
242,807 (1,815,490) 343,636 184,511 (92,751)
2,333,333 7,022,115
2,333,333 9,299,632
2,333,333 7,022,115
54,349,199 20,104,430 111,745,965 111,745,965
71,491,263 7,080,379 144,808,991 2,280,203 147,089,194
59,534,302 20,334,968 117,070,290 2,421,551 119,491,841
807,551,112
971,444,434
910,063,409
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 INCOME AND OTHER COMPREHENSIVE PT BANK MANDIRI (PERSERO) Tbk. For the Period Ended 30 June 2016 and 2015 (Direviu)
(In Millions of Rupiah)
BANK NO.
A. 1. 2.
3. 4. B. 1.
2.
1. 2. 3.
DESCRIPTION
30 June 2016
OPERATING INCOME AND EXPENSES Interest and Sharia Income, Interest and Sharia Expenses, and Premium Income and Claim Expenses Interest and Sharia Income a. Rupiah b. Foreign currencies Interest and Sharia Expenses a. Rupiah b. Foreign currencies Net Interest Income and Sharia Income (Expenses) Premium Income Claim Expense Net Premium Income (Claim Expenses) Net Interest and Sharia Income (Expenses), and Net Premium Income (Claim Expenses) Other Operating Income and Expenses Other Operating Income a. Increase in fair value of financial assets 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 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 Gain (Losses) from sale of premises and equipment Gain (Losses) from foreign currencies translation Other non operating income (expenses) PROFIT (LOSS) FROM NON OPERATING
1.
2.
30 June 2015
30 June 2016
30 June 2015
31,832,003 29,193,419 2,638,584 10,491,099 9,570,408 920,691 21,340,904 21,340,904
30,502,321 28,283,412 2,218,909 11,749,096 11,048,779 700,317 18,753,225 18,753,225
36,367,712 33,620,684 2,747,028 12,124,006 11,196,260 927,746 24,243,706 5,042,828 3,498,436 1,544,392 25,788,098
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
8,794,529
8,025,289
9,279,181
8,140,774
1,507 914,132 -
740,747 -
80,744 914,132 -
740,747 -
306,542 86,475 701,546 5,142,329 88,340 1,553,658 21,423,625
268,170 106,715 751,420 4,609,697 40,551 1,507,989 14,354,391
328,168 102,188 14 5,500,575 88,340 2,265,020 25,606,202
284,284 120,209 581 5,054,101 40,551 1,900,301 17,811,962
-
195 -
-
71,023 -
-
-
-
-
79,663 8,791,101 161,854 19,859 353,090 116 5,268,227 412,818 6,336,897 (12,629,096) 8,711,808 (173) 5,186
3,390,071 217,716 (123) 393,418 1,043 4,627,138 319,336 5,405,597 (6,329,102) 12,424,123 87 9,079
79,833 9,348,806 386,807 19,859 353,090 141,001 6,665,942 473,504 8,137,360 (16,327,021) 9,461,077 (134) (7,776)
100 2,082
5,013
9,166
8,716,821
12,433,289
9,453,167
13,086,404
Income tax expenses a. Estimated current tax b. Deffered tax income (expenses)
(1,211,215) (427,857)
(1,925,398) (475,711)
(1,475,219) (475,802)
(2,233,737) (516,148)
7,077,749
10,032,180
7,502,146
10,336,519
PROFIT (LOSS) AFTER INCOME TAX - NET OTHER COMPREHENSIVE INCOME Unreclassified 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 other comprehensive income Reclassified 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 other comprehensive income Other comprehensive income current period after income tax - net
Income atributtable to : Parent Company Non controlling interest TOTAL INCOME CURRENT PERIOD
(7,910)
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
PROFIT (LOSS) CURRENT PERIOD BEFORE TAX
TOTAL OTHER COMPREHENSIVE INCOME CURRENT PERIOD
*)
CONSOLIDATED
2,182
25,588,987 (11,775) (790,112)
(6,800) -
25,933,025 (10,586) (792,176)
(9,092) -
(27,972) 1,929,821 (320,488)
38,113 (551,940) 101,522
(54,535) 2,058,669 (342,922)
87,026 (559,328) 103,679
26,368,461
(419,105)
26,791,475
(377,715)
33,446,210
9,613,075
34,293,621
9,958,804
7,077,749 7,077,749
10,032,180 10,032,180
7,080,379 421,767 7,502,146
9,924,439 412,080 10,336,519
Total other comprehensive income atributtable to : Parent Company Non controlling interest TOTAL OTHER COMPREHENSIVE INCOME CURRENT PERIOD
26,368,461 26,368,461
Total comprehensive income atributtable to : Parent Company Non controlling interest TOTAL COMPREHENSIVE INCOME CURRENT PERIOD
33,446,210 33,446,210
(419,105) (419,105) 9,613,075 9,613,075
26,758,812 32,663 26,791,475 33,839,191 454,430 34,293,621
(377,715) (377,715) 9,546,724 412,080 9,958,804
TRANSFER INCOME (LOSSES) TO HEAD OFFICE
-
-
-
-
DIVIDEND EARNING PER SHARE
-
-
303.44
425.33
Dividend from 2012 net income amounting to Rp4.651.220 based on Annual general Shareholders' Meeting on dated 2 April 2013
-
-
STATEMENTS OF COMMITMENTS AND CONTIGENCIES PT BANK MANDIRI (PERSERO) Tbk. As of 30 June 2016 and 31 December 2015 (In Millions of Rupiah)
NO.
DESCRIPTION
BANK 31 December 2015 30 June 2016 (Audited)
CONSOLIDATED 31 December 2015 30 June 2016 (Audited)
I.
COMMITMENT RECEIVABLES 1. Unused fund borrowings facilities a. Rupiah b. Foreign currencies 2. Outstanding purchase position on spot and derivative 3. Others 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 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
485,321 -
4,135,500 1,078,194 -
485,321 -
4,135,500 1,078,194 -
4,402,206 997,903
9,050,393 479,761
4,402,206 997,903
9,050,393 479,761
13,729,989 1,060,924
13,272,271 2,849,730
13,729,989 1,060,924
13,272,271 2,849,730
20,149,246 67,661,287
19,669,309 59,417,877
20,149,246 68,370,718
19,669,811 59,934,634
42,734 -
80,053 -
42,734 -
80,053 -
-
2,000 -
-
2,000 -
6,157,364 3,012,932 604,263 -
7,779,251 3,112,079 462,558 -
6,162,619 3,012,932 604,263 29,068
7,812,509 3,112,079 462,558 -
944,240 14,269,379
831,441 18,974,250
944,240 14,471,354
833,784 19,187,779
8,668,112 51,949 32,729
7,933,487 51,949 32,729
8,674,755 1,834,263 32,729
7,939,596 1,527,323 32,729
37,479,322 38,686,708 451,950
38,889,327 47,965,496 432,992
37,587,658 39,018,844 451,950
39,048,742 48,198,074 432,992
MANAGEMENT OF THE BANK Board of Commissioners - President Commissioner : Wimboh Santoso *) - Deputy President Commissioner : Imam Apriyanto Putro - Independent Commissioner : Abdul Aziz - Commissioner : Askolani - Independent Commissioner : Aviliani - Independent Commissioner : Goei Siauw Hong - Independent Commissioner : Bangun Sarwito Kusmulyono - Commissioner : Ardan Adiperdana **)
Board of Directors - President Director - Vice President Director - Director - Director - Director - Director - Director - Director - Director - Director
*) **) ***) ****)
: Kartika Wirjoatmodjo ***) : Sulaiman Arif Arianto : Ogi Prastomiyono : Pahala N. Mansury : Royke Tumilaar : Hery Gunardi : Kartini Sally : Ahmad Siddik Badruddin ****) : Tardi : Rico Usthavia Frans **)
SHAREHOLDER
Republic of Indonesia : 60.00% Non Ultimate Shareholder through Capital Market (≥ 5%) Non Ultimate Shareholder through non Capital Market (≥ 5%)
: Nill : Nill
Jakarta, 27 July 2016 S. E & O Board of Directors PT Bank Mandiri (Persero) Tbk.
Kartika Wirjoatmodjo President Director
Pahala N. Mansury Director
Appointment as Commissioner has received approval from the Otoritas Jasa Keuangan (OJK) on Fit and Proper Test (Fit & Proper Test) and has become effective served since February 16, 2016. Appointed at the Annual General Meeting on 21 March 2016 and will become effective after approval by the Otoritas Jasa Keuangan on Fit and Proper Test (Fit & Proper Test) and meet the regulations in force. The transfer of assignment of the Director as Managing Director according to the decision of Annual General Meeting dated March 21, 2016, has received approval from the Otoritas Jasa Keuangan on the assessment capability and Proper Test (Fit & Proper Test) and has been effective since May 17, 2016. Director of compliance
Notes : 1) The above financial information is extracted from the consolidated financial statements of PT Bank Mandiri (Persero) Tbk. (the "Bank") and its subsidiaries as of June 30, 2016 and for the six-month period then ended (Unaudited), prepared by the Bank's management in accordance with Indonesian Financial Accounting Standards. 2) Published financial statements are presented to comply with Financial Services Authority Regulation (“POJK”) No. 6/POJK.03/2015 dated March 31, 2015 regarding Transparency and Published Financial Statements of the Bank and Circular Letter of Financial Services Authority (“SEOJK”) No.11/SEOJK.03/2015 datedApril 17, 2015 regarding Transparency and Published. Financial Statements of Commercial Banksand also in accordance with rule of Capital Market and Financial Institution Supervisory Agency (“Bapepam and LK”) No.X.K.2., Attachment to Decision of Chairman of Bapepam and LK No.Kep-346/BL/2011 dated July 5,2011 regarding Submission of Periodic Financial Statements for Issuers or Public Companies. Financial information and statement of cash flows included in the published financial statements have also been prepared in accordance with Bapepam and LK regulation No.VIII.G7. Attachment to Decision of Chairman of Bapepam and LK No.Kep-347/BL/2012 dated June 25, 2012. 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 3) Lending Limit For Commercial Banks. Exchange rate of 1 US Dollar as at 30 June 2016, 30 June 2015 and 31 December 2015 were Rp13,212.50; Rp13,332.50 and Rp13,785.00 respectively. 4)
STATEMENTS OF ASSETS' QUALITY AND OTHER INFORMATION As of 30 June 2016 and 2015 (In Millions of Rupiah) BANK No
30 June 2016
DESCRIPTION Current
I. 1.
2.
3.
4.
5.
RELATED PARTIES Placements with other banks a. Rupiah b. Foreign currencies
Special Mention
Sub Standard
30 June 2015
Doubtful
Loss
Total
Current
22 1,216,406
-
-
-
-
22 1,216,406
Spot and derivative receivables a. Rupiah b. Foreign currencies
148,608 -
-
-
-
-
148,608 -
Securities a. Rupiah b. Foreign currencies
383,913 -
-
-
-
-
383,913 -
22 1,641,576 293,951 1,287
Special Mention
Sub Standard
Doubtful
Loss
Total
-
-
-
-
-
-
-
-
-
-
-
-
22 1,641,576 293,951 1,287
Securities sold with agreement to repurchase (Repo) a. Rupiah b. Foreign currencies
-
-
-
-
-
-
-
-
-
-
-
-
Securities purchased with agreement to resell (Reverse Repo) a. Rupiah b. Foreign currencies
-
-
-
-
-
-
-
-
-
-
-
-
3,562,777
-
-
-
-
3,562,777
14,963
-
-
-
-
14,963
2,465 2,465 16,123,553 6,696,019 9,427,534 8,228
1,133 1,133 341
-
-
-
2,465 2,465 16,124,686 6,697,152 9,427,534 8,569
1,722 1,722 11,702,093 3,499,457 8,202,636 9,456
491 491 -
-
-
-
1,722 1,722 11,702,584 3,499,948 8,202,636 9,456
5,024,629
-
-
25,191
5,692,047
4,235,629
-
25,191
4,822,047
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
-
642,227
-
-
-
-
271,743
-
-
-
-
271,743
133,325
2,846,515 4,426,844
-
-
-
-
2,846,515 4,426,844
889,867 6,085,470
-
-
-
-
-
-
-
-
-
-
561,227
-
-
-
-
-
-
-
-
-
133,325
336 -
-
-
-
890,203 6,085,470
-
-
-
-
-
STATEMENTS OF ASSETS' QUALITY AND OTHER INFORMATION As of 30 June 2016 and 2015 (In Millions of Rupiah) BANK No
30 June 2016
DESCRIPTION Current
II. 1.
2.
3.
4.
5.
THIRD PARTIES Placements with other banks a. Rupiah b. Foreign currencies Spot and derivative receivables a. Rupiah b. Foreign currencies Securities a. Rupiah b. Foreign currencies Securities sold with agreement to repurchase (Repo) a. Rupiah b. Foreign currencies 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
Special Mention
Sub Standard
30 June 2015
Doubtful
Loss
Total
25,840,519 44,024,264
-
-
-
48,092
289,147 263
-
-
-
75,737,223 29,532,281
-
-
9,735,182 -
-
Current
Loss
Total
-
-
-
48,622
-
289,147 263
67,709 5,927
-
-
-
-
-
-
75,737,223 29,532,281
79,486,355 30,390,739
-
-
-
87,000 -
79,573,355 30,390,739
-
-
-
9,735,182 -
9,941,005 -
-
-
-
-
9,941,005 -
-
-
-
-
13,725,477
-
-
-
-
13,725,477
9,602,325
35,388
-
3,705
-
-
-
-
28,923,023
66,322,341 65,943,698 378,643 418,854,711 346,904,407 71,950,304 13,936,316 8,734,471 5,201,845 38,181,353
6,381,440 6,381,440 18,822,771 16,743,460 2,079,311 11,259,539 9,235,341 2,024,198 3,232,276
-
745,502 723,701 21,801 4,439,497 3,779,575 659,922 3,554,144 3,146,570 407,574 110,232
982,084 982,084 4,513,466 3,623,890 889,576 1,756,408 1,003,846 752,562 135,896
2,751,168 2,751,168 7,012,220 5,864,882 1,147,338 3,620,278 3,219,630 400,648 513,314
-
108,381
77,182,535 76,782,091 400,444 453,642,665 376,916,214 76,726,451 34,126,685 25,339,858 8,786,827 42,173,071
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
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
1,955
1,955
-
-
-
-
1,955
-
-
-
175
-
175
-
-
-
9.
Temporary investment
-
-
-
-
139
139
479,346 479,346 1,827,491 1,082,140 745,351 1,338,651 768,422 570,229 108,306
821,671 821,671 985,041 930,284 54,757 242,063 187,306 54,757 107,466
12,756,200
102,550
2,244
319,555
1,120,347
14,300,896
13,011,936
761,012
52,862
-
127,195,721 57,692,653
784,132 371,580
1,756 20,439
21,621 513
16,767 2,074
128,019,997 58,087,259
103,900,619 62,876,017
1,105,848 696,592
13,123 7,646
-
-
19,815
19,815
-
-
67,709 5,927
28,814,642
-
-
21,093,073 44,219,304
9,641,418
1,955
12. Repossessed assets
Doubtful
21,093,073 44,170,682
Investments in shares
11. Commitments and contingencies a. Rupiah b. Foreign currencies
Sub Standard
25,840,519 44,072,356
8.
10. Other Receivable
Special Mention
-
-
1,931,244 1,931,244 3,927,171 2,618,416 1,308,755 1,090,278 342,533 747,745 353,280
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
1,072,176
14,897,986
3,567 -
14,856 52
105,038,013 63,580,307
-
19,815
19,815
STATEMENTS OF ASSETS' QUALITY AND OTHER INFORMATION As of 30 June 2016 and 2015 (In Millions of Rupiah)
BANK No
30 June 2016
DESCRIPTION Special Mention
Current III.
OTHER INFORMATIONS
1.
Value of bank's assets pledge as collateral : a. To Bank Indonesia b. To others
Sub Standard
30 June 2015
Doubtful
Loss
Total
Special Mention
Current
Sub Standard
-
Doubtful
Loss
Total
-
2.
Total allowance for impairment on financial assets to earning assets
26,651,141
19,027,293
3.
Total required allowance for possible losses on earning assets
21,768,335
15,237,666
4.
Percentage of UMKM loans to total loans
14.11%
15.00%
5.
Percentage of UMK loans to total loans
6.50%
6.07%
6.
Percentage of UMKM debtors to total debtors
54.74%
50.36%
7.
Percentage of UMK debtors to total debtors
52.14%
47.26%
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
383,619 4,307,365 1,216,584 -
13,310,459 2,696,876 1,200,347 -
ALLOWANCES FOR IMPAIRMENT As of 30 June 2016 and 2015 (in Millions of Rupiah) 30 June 2016 No.
DESCRIPTION
1.
Placements with other banks
2.
Spot and derivative receivables
3.
Securities
4. 5.
Securities sold with agreement to repurchase (Repo) Securities purchased with agreement to resell (Reverse Repo)
30 June 2015
Allowance for Impairment
Required Allowance for Possible Losses on Earning Assets
Allowance for Impairment
Required Allowance for Possible Losses on Earning Assets
Individual
General
Individual
General
Collective
Spesific
Collective
Spesific
48,092
39,522
239,409
48,092
48,622
41,817
248,131
48,622
-
-
4,311
-
-
-
638
-
59,725
13,150
241,433
-
119,918
9,558
222,937
87,000
-
-
-
-
-
-
-
-
-
-
-
-
-
-
9,161
-
136,808
40,145
131,651
3,622
194,526
104,461
288,296
5,419
15,986,782
8,505,238
5,013,031
14,549,182
9,165,861
7,555,670
4,607,308
8,361,010
6.
Acceptances receivables
7.
Loans
8.
Investments in shares
44,922
-
72
121,525
37,784
-
72
109,375
9.
Temporary invesment
139
-
-
139
88
-
-
88
10.
Other Receivable
1,729,312
47,306
130,280
1,285,588
1,708,972
40,016
131,453
1,118,156
250,084
20,848
848,067
44,257
109,420
51,592
856,821
78,038
11. Commitments and contingencies
STATEMENTS OF CALCULATION OF CAPITAL ADEQUACY RATIO COMMERCIAL BANK PT BANK MANDIRI (PERSERO) Tbk. As of 30 June 2016 and 2015
(in millions of rupiah)
30 June 2016
COMPONENTS OF CAPITAL
Bank
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
118,907,475 118,907,475 11,666,667 117,660,861 17,476,308 2,333,333 66,075,622 7,077,749 41,802 105,075 24,796,520 (245,548) (10,420,053) (3,572,692) (1,200,681) (5,646,680) -
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 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 (maks. 1,25% ATMR Risiko kredit) 4. Appropriated reserves 5. Deduction supplemental capital (Tier 2) 5.1 Sinking Fund 5.2 Instrument Tier 2 to other bank investment III. Total Core Capital and supplemental capital (I+II) Bank
30 June 2016 Consolidated
Bank
30 June 2015 Consolidated
RISK WEIGHTED ASSETS CREDIT RISK - WEIGHTED ASSETS MARKET RISK - WEIGHTED ASSETS OPERATIONAL RISK - WEIGHTED ASSETS TOTAL RISK WEIGHTED ASSETS CAR BASED ON RISK PROFILE
527,780,240 581,570,079 1,563,735 1,894,617 92,008,869 107,636,532 621,352,844 691,101,228 9.00% 9.00% KPMM Allocation
487,041,127 775,007 78,627,774 566,443,908 9.00%
535,216,769 938,454 95,640,437 631,795,660 9.00%
Description CAR CET1 RATIO Tier 1 Ratio Tier 2 Ratio Total Ratio CET 1 for Buffer
30 June 2015 Consolidated
Bank
127,555,998 127,555,998 11,666,667 123,421,292 17,316,192 2,333,333 71,491,263 7,080,380 188,272 117,816 25,140,523 (246,487) 304,755 (7,836,716) (3,852,579) (117,741) (1,297,243) (2,569,153) -
Consolidated
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) -
93,205,902 93,205,902 11,666,667 88,419,689 17,316,192 2,333,333 59,719,328 9,924,439 290,651 (919,882) (244,372) 290,923 (7,171,377) (3,634,582) (117,741) (1,112,260) (2,306,794) -
-
-
-
-
16,416,909 520,024 6,597,253 9,299,632 -
17,076,661 520,024 7,257,005 9,299,632 -
14,354,398 1,244,269 6,088,014 7,022,115 -
14,956,594 1,244,269 6,690,210 7,022,115 -
135,324,384 30 June 2016 Bank
144,632,659 Consolidated
99,877,048 30 June 2015 Bank
19.14% 18.46% 19.14% 18.46% 2.64% 2.47% 21.78% 20.93% 1.25% 1.25% Buffer percentage that must be fulfilled by bank
From CET 1
6.36%
6.53%
Capital conservation buffer
0.625%
From AT 1
0.00%
0.00%
Countercyclical buffer
0.00%
0.00%
From Tier 2
2.64%
2.47%
Capital surcharge for D-SIB
0.625%
0.625%
0.625%
108,162,496 Consolidated
15.10% 15.10% 2.53% 17.63%
14.75% 14.75% 2.37% 17.12%
STATEMENTS OF SPOT AND DERIVATIVE TRANSACTIONS As of 30 June 2016 (In Millions of Rupiah) Bank No.
TRANSACTION
Notional Amount
Type Trading
Derivative Receivables & Payables Hedging
A.
Exchange Rate Related
1
Spot
2
Forward
3
Option a. Written b. Purchased
-
-
4
Future
-
-
5
Swap
6
Others
B.
Interest Rate Related
1 2
Receivables
Payables
5,451,766
4,515,644
936,122
6,936
11,478
10,139,686
329,823
9,809,863
84,186
73,600
-
-
-
-
-
-
34,006,932
26,642,325
7,364,607
338,730
52,716
-
-
-
-
-
Forward
-
-
-
-
-
Option a. Written b. Purchased
-
-
-
-
-
3
Future
-
-
-
-
-
4
Swap
2,621
51,221
5
Others
-
-
C.
Others TOTAL
13,514,242 6,695,211 69,807,837
31,487,792
13,514,242 6,695,211 38,320,045
5,545 438,018
82,703 271,718
CALCULATION OF FINANCIAL RATIOS As of 30 June 2016 and 2015 (In %) BANK No.
RATIOS
30 June 2016
30 June 2015
PERFORMANCE RATIOS 1.
Capital Adequacy Ratio (CAR)
21.78%
17.63%
2.
Non performing earning assets and non performing non earning assets to total earning assets and non earning assets
2.38%
1.31%
3.
Non performing earning assets to total earning assets
2.95%
1.59%
4.
Allowance for impairment on financial assets to earning assets
3.47%
2.55%
5.
Gross NPL
3.74%
2.00%
6.
Net NPL
1.33%
0.63%
7.
Return on Asset (ROA)
2.15%
3.21%
8.
Return on Equity (ROE)
13.33%
23.68%
9.
Net Interest Margin (NIM)
6.06%
5.58%
10. Operating Expenses to Operating Income
78.56%
67.75%
11. Loan to Deposit Ratio (LDR)
87.19%
82.97%
i. Related parties
0.00%
0.00%
ii. Third parties
0.00%
0.00%
i. Related parties
0.00%
0.00%
ii. Third parties
0.00%
0.00%
COMPLIANCE 1.
a.
b.
2.
3.
Percentage violation of Legal Lending Limit
Percentage of excess of the Legal Lending Limit
Reserve requirement a.
Primary reserve requirement Rupiah
6.50%
8.00%
b.
Reserve requirement Foreign currencies
8.10%
8.10%
5.21%
1.06%
Net Open Position - Overall
STATEMENTS OF CASH FLOW For the Period Ended 30 June 2016 and 2015 (In millions of Rupiah)
CONSOLIDATED DESCRIPTION 30 June 2016 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 CASH FLOWS FROM INVESTING ACTIVITIES Increase in marketable securities - Available for sale and Held to maturity Decrease/(increase) in Government Bonds - Available for sale and Held to maturity Proceeds from sale of fixed assets Acquisition of fixed assets Sales/Acquisition of intangible assets Net cash used in investing activities CASH FLOWS FROM FINANCING ACTIVITIES Decrease of investment in Subsidiaries Increase in marketable securities issued Increase in fund borrowings Decrease of Subordinated Loans Increase/(decrease) in securities sold under repurchase agreements Payments of dividends Net cash provided by financing activities NET INCREASE IN CASH AND CASH EQUIVALENTS
30 June 2015
35,271,882 7,026,886 (12,071,896) 25,423,177 (24,908,207) 111,997 885,754 (2,507,806) (7,960,953) (6,095,830) (7,910) (2,394,047) 12,773,047
33,141,211 6,581,400 (13,366,735) 35,636,789 (36,716,846) 1,129,605 780,048 (2,841,787) (6,380,833) (5,048,041) 2,182 (3,109,900) 9,807,093
723,997 (2,288,018) 399,068 (18,119,526) 69,652 (2,279,198) (31,795) 1,107,924 (424,900) (3,001,610)
(1,652,120) 5,586,140 (1,791,084) (25,390,289) 5,358,605 (882,910) 14,687 (136,789) (547,199) 312,547
1,397,362
1,149,036
(6,308,988) 2,297,661 23,101,660 (1,262,414) 476,119 2,263,769 (317,390) 10,212,929
40,800,165 (15,991,409) 15,568,636 (819,106) 109,792 (465,560) (67,289) 4,262,970
438 (685,954) 814,457
(1,562) (705,463) (1,499,664)
20,918,290
33,019,227
(3,392,767) 6,323,784 1,947 (1,169,850) 1,595
(12,579,750) (13,063,092) 3,028 (566,788) (129,023)
1,766,656
(26,335,625)
(655,718) 954,738 1,532,012 (25,327) 3,929,493 (6,100,490)
(573,598) (203,873) (3,648,023) (11) 2,748,365 (4,967,968)
(365,292)
(6,645,108)
22,319,654
38,494
EFFECT OF EXCHANGE RATE CHANGES ON CASH AND CASH EQUIVALENT
-
1,884,120
CASH AND CASH EQUIVALENTS AT BEGINNING OF YEAR
-
138,804,383
22,319,654
140,726,997
23,550,297 47,338,360 12,435,010 64,001,679 103,401
19,523,886 52,525,216 12,212,076 55,986,975 478,844
147,428,747
140,726,997
CASH AND CASH EQUIVALENTS AT END OF YEAR Cash and cash equivalent at end of year consist of : Cash Current accounts with Bank Indonesia Current accounts with other banks Placements with Bank Indonesia and other banks Certificate of Bank Indonesia Total cash and cash equivalents SUPPLEMENTAL CASH FLOWS INFORMATION Activities not affecting cash flows : Unrealised losses from decrease in fair value of available for sale marketable securities and Government Bonds - net of deffered tax Acquisition of fixed assets - payable
117,817 (413,841)
(1,026,997) (375,619)
