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The Jakarta Post THURSDAY February 1, 2024 3
Consolidated Financial Statements
PT Bank Mandiri (Persero) Tbk. & Its Subsidiaries
Statements of Financial Position Statements of Income and Other Comprehensive Income Statements of Calculation of Capital Adequacy Ratio for Commercial Bank
As of 31 December 2023 and 2022 (In Millions of Rupiah) For the Years Ended 31 December 2023 and 2022 (In Millions of Rupiah) As of 31 December 2023 and 2022 (In Millions of Rupiah)
INDIVIDUAL CONSOLIDATED INDIVIDUAL CONSOLIDATED 31 December 2023 31 December 2022
(Audited) (Audited) NO DESCRIPTION (Audited) (Audited) NO COMPONENTS OF CAPITAL (Audited) (Audited)
NO DESCRIPTION
31 December 2023 31 December 2022 31 December 2023 31 December 2022 31 December 2023 31 December 2022 31 December 2023 31 December 2022 Individual Consolidated Individual Consolidated
ASSETS OPERATING INCOME AND EXPENSES I CORE CAPITAL TIER 1 209,724,274 258,956,049 181,072,852 223,271,290
1. Cash 20,866,568 20,852,885 26,431,740 27,212,759 A Interest and Sharia Income, Interest and Sharia Expenses, and Premium Income and Claim Expenses 1. Common Equity Tier 1 (CET 1) 209,724,274 258,956,049 181,072,852 223,271,290
2. Placements with Bank Indonesia 129,212,653 147,516,206 165,227,484 183,931,076 1. Interest and Sharia Income 97,831,188 82,402,327 132,544,470 112,382,118 1.1 Paid-in Capital (net of Treasury Stock) 11,666,667 11,666,667 11,666,667 11,666,667
3. Placements with other banks 48,623,958 63,963,932 53,872,085 66,552,179 2. Interest and Sharia Expenses 26,604,466 17,296,790 36,657,896 24,478,764 1.2 Disclosed Reserves 224,692,846 246,380,061 197,742,046 215,475,066
4. Spot and derivative receivables/forward 1,968,893 2,250,716 1,997,826 2,275,250 1.2.1 Additional Factor 227,600,355 249,758,383 201,218,418 219,462,416
Net Interest Income and Sharia Income
5. Securities *) 241,972,173 280,079,709 363,162,174 385,062,705 (Expenses) 71,226,722 65,105,537 95,886,574 87,903,354 1.2.1.1 Other comprehensive income 34,582,623 34,811,362 34,595,182 34,823,921
6. Securities sold under agreement to 1.2.1.1.1 Excess differences arising from translation of
3. Premium Income - - 13,721,691 14,380,273 financial statements 27,284 27,284 80,574 80,574
repurchase (Repo) 39,705,735 26,016,689 40,002,906 26,127,217
4. Claim Expenses - - 11,598,645 11,912,575 1.2.1.1.2 Potential gain from the increase in the fair value
7. Securities purchased under agreement to
resell (Reverse Repo) 16,205,580 6,312,523 22,692,928 11,705,989 Net Premium Income (Claim Expenses) - - 2,123,046 2,467,698 of financial assets measured at fair value
through other comprehensive income 67,385 67,385 26,654 26,654
8. Acceptance receivables 14,462,941 11,357,879 14,793,888 11,781,581 Net Interest and Sharia Income (Expenses) and
9. Loans 1,085,787,427 932,639,051 1,359,832,195 1,172,599,882 Net Premium Income (Claim Expenses) 71,226,722 65,105,537 98,009,620 90,371,052 1.2.1.1.3 Surplus of fixed assets revaluation 34,487,954 34,716,693 34,487,954 34,716,693
B Other Operating Income and Expenses 1.2.1.2 Other disclosed reserves 193,017,732 214,947,021 166,623,236 184,638,495
10. Consumer financing receivables - - 32,749,796 23,757,727
1.2.1.2.1 Agio 18,941,550 17,643,264 18,941,550 17,643,264
11. Sharia financing - - - - 1. Gain (loss) from increase (decrease) in fair value
of financial assets 1,219,975 2,378,638 1,528,246 2,714,981 1.2.1.2.2 General reserves 2,333,333 2,333,333 2,333,333 2,342,132
12. Investment in shares 14,999,632 15,068,650 1,861,487 2,757,594
2. 1.2.1.2.3 Previous years profit 120,645,971 139,910,367 107,655,927 123,482,462
13. Others financials assets 35,662,501 43,883,587 37,473,559 45,339,316 Gain (loss) from decrease (increase) in fair value
of financial liabilities - - - - 1.2.1.2.4 Current year profit 51,096,878 55,060,057 37,692,426 41,170,637
14. Allowance for impairment on financial
assets -/- 3. 1.2.1.2.5 Funds for paid-in capital - - - -
Gain (loss) from sale of financial assets 1,228,656 1,072,689 1,607,822 1,275,806
a. Securities (10,684) (17,834) (149,665) (39,268) 1.2.1.2.6 Others - - - -
4. Gain (loss) from spot and derivative transaction/
b. Loans and sharia financing **) (42,323,522) (54,267,417) (53,881,833) (65,362,179) 1.2.2 Deduction Factor (2,907,509) (3,378,322) (3,476,372) (3,987,350)
forward (realised) 190,280 284,903 264,062 290,162
c. Others (1,624,303) (1,714,720) (1,684,760) (1,761,117) 1.2.2.1 Other comprehensive income (2,432,966) (1,971,613) (3,183,416) (2,829,093)
5. Gain (loss) from investment in shares under equity
15. Intangible assets 10,314,331 9,270,638 13,669,071 11,712,040 1.2.2.1.1 Negative differences arising from translation of
method - - - - financial statements (461,721) (173,583) (442,327) (141,001)
Accumulated amortisation for intangible 6. Gain (loss) from foreign currencies translation - - - -
assets -/- (6,505,920) (5,597,283) (7,794,473) (6,618,431) 1.2.2.1.2 Potential losses from the decrease in the fair
7. Dividend income 1,083,443 1,201,502 - - value of financial assets measured at fair value
16. Premises and equipment ***) 69,604,803 66,392,486 82,315,031 77,969,898 through other comprehensive income (1,971,245) (1,798,030) (2,741,089) (2,688,092)
Accumulated depreciation for premises and 8. Comissions/provisions/fees and administrative 16,050,613 14,380,598 20,495,686 19,081,231
1.2.2.2 Other disclosed reserves (474,543) (1,406,709) (292,956) (1,158,257)
equipment -/- (18,194,545) (16,185,489) (24,337,324) (21,429,332) 9. Other income 12,679,394 7,686,225 16,859,680 11,949,058 1.2.2.2.1 Disagio - - - -
17. Non earning assets 10. Impairment for financial assets 5,366,942 10,266,667 10,234,322 15,841,114 1.2.2.2.2 Previous years loss - - - -
a. Abandoned properties - net - - 9,403 9,403 11. Losses related to operational risk 49,694 30,873 78,524 85,947 1.2.2.2.3 Current year loss - - - -
b. Repossessed assets - net - - - -
12. Salaries and employee benefits 16,058,990 16,047,712 24,423,089 24,641,746 1.2.2.2.4 Negative differences in allowance for possible
c. Suspense account - net 2,443,641 2,089,953 2,443,641 2,089,953 losses and allowance for impairment on
13. Promotion expenses 1,235,868 1,275,566 2,205,063 1,885,314
d. Interoffice assets 36,498 - 36,498 - earning assets - - - -
18. Lease financing - - 5,489,242 5,872,560 14. Other expenses 18,278,474 17,823,935 27,182,555 27,060,080 1.2.2.2.5 Negative differences in adjustment amounts of
19. Other assets 25,642,025 20,419,902 38,006,550 30,997,885 Other Operating Income (Expenses) - net (8,537,607) (18,440,198) (23,368,057) (34,202,963) financial instruments based on valuation results
TOTAL ASSETS 1,688,850,385 1,570,332,063 2,174,219,449 1,992,544,687 in trading book and adjusment amounts based
PROFIT (LOSS) FROM OPERATIONS 62,689,115 46,665,339 74,641,563 56,168,089 on financial accounting standards - - - -
LIABILITIES AND EQUITY
NON OPERATING INCOME AND EXPENSES 1.2.2.2.6 Required allowance for non earning assets (474,543) (1,406,709) (292,956) (1,158,257)
LIABILITIES
1. Gain (loss) from sale of premises and equipment 2,979 2,575 8,624 2,821 1.2.2.2.7 Others - - - -
1. Demand deposits ****) 532,532,581 497,991,237 584,713,021 541,801,050
2. Other non operating income (expenses) 95,115 110,519 34,694 206,816 1.3 Non controlling interest - 21,864,452 - 18,698,700
2. Saving deposits ****) 453,710,376 428,366,948 586,991,559 552,752,472
PROFIT (LOSS) FROM NON OPERATING 98,094 113,094 43,318 209,637 1.4 Deduction Factor of CET 1 (26,635,239) (20,955,131) (28,335,861) (22,569,143)
3. Time deposits ****) 255,902,641 266,806,141 405,245,039 396,291,070
PROFIT (LOSS) CURRENT YEAR BEFORE TAX 62,787,209 46,778,433 74,684,881 56,377,726 1.4.1 Deferred tax (7,874,700) (10,100,735) (9,677,161) (11,942,069)
4. Electronic money 1,868,790 1,754,492 1,868,790 1,754,492
1.4.2 Goodwill - (482,091) - (482,091)
5. Fund from Bank Indonesia - - 11,900,055 - Income tax expenses
1.4.3 Intangible assets (3,808,411) (5,068,755) (3,673,355) (4,298,288)
6. Fund from other banks ****) 16,322,586 13,419,651 18,464,180 15,781,347 a. Estimated current tax (10,015,624) (9,329,662) (12,907,674) (11,897,334)
1.4.4 Investments in shares calculated as deduction (14,952,128) (5,303,550) (14,985,345) (5,846,695)
7. Spot and derivative liabilities/forward 2,119,306 2,150,170 2,119,306 2,150,170 b. Deferred tax income (expenses) (1,674,707) 243,655 (1,725,337) 471,976 1.4.5 Shortfall of capital in insurance subsidiaries - - - -
8. Securities sold under agreement to PROFIT (LOSS) CURRENT YEAR 51,096,878 37,692,426 60,051,870 44,952,368
repurchase liabilities (Repo) 36,097,856 24,228,547 36,330,064 24,325,475 1.4.6 Securitisation exposure - - - -
9. Acceptance liabilities 14,462,941 11,357,879 14,793,888 11,781,581 PROFIT (LOSS) MINORITY INTEREST - - 4,991,813 3,781,731 1.4.7 Other deduction of CET 1 - - - -
10. Securities issued 40,853,536 36,370,874 50,554,401 46,209,505 OTHER COMPREHENSIVE INCOME 1.4.7.1 Placement of funds in instrument Tier 2 to other banks - - - -
11. Fund borrowings 57,931,877 41,862,329 83,661,943 62,973,682 1. Items that will not be reclassified to profit or loss 1.4.7.2 Cross-ownership in another entity acquired by the transi-
tion due to law, grants, or grants will - - - -
12. Margin deposits received 1,350,583 944,783 1,350,583 944,783 a. Gain from premises and equipment revaluation - 4,574,057 - 4,574,057
1.4.7.3 Exposures that give rise to credit risk due the settlement
13. Interoffice liabilities - 124,781 - 124,781 b. Gain (loss) from remeasurement of defined risk - Non Delivery Versus Payment - - - -
14. Liability to unit-link policyholders - - 29,194,702 29,710,227 benefits program 33,234 232,551 (15,051) 354,986
1.4.7.4 Exposures in Subsidiaries that conduct business activity
15. Other liabilities 37,289,102 33,711,642 59,536,956 53,698,597 c. Others - - - - based on sharia principles (if available) - - - -
16. Minority interest - - 26,642,178 22,566,669 2. Items that will be reclassified to profit or loss 2. Additional Tier 1 (AT 1) - - - -
TOTAL LIABILITIES 1,450,442,175 1,359,089,474 1,913,366,665 1,762,865,901 a. Gain (loss) from translation of financial 2.1 Instrument which comply with AT 1 requirements - - - -
EQUITY statements in foreign currencies (72,683) (68,731) (85,872) 28,558 2.2 Agio/disagio - - - -
17. Share capital b. Gain (loss) from changes in the fair value 2.3 Deduction factor of AT 1 - - - -
a. Authorised capital 16,000,000 16,000,000 16,000,000 16,000,000 of financial assets measured at fair value 2.3.1 Placement of funds in instrument AT 1 and/or Tier 2 to
b. Unpaid-in capital-/- (4,333,333) (4,333,333) (4,333,333) (4,333,333) through other comprehensive income 810,574 (4,266,262) 998,022 (4,557,967) other banks - - - -
c. Treasury stock -/- - - - - c. Others - - 8,990 (5,460) 2.3.2 Cross-ownership in another entity acquired by the transi-
18. Additional paid-in capital Other comprehensive income current year after tion due to law, grants, or grants will - - - -
a. Agio 18,941,550 18,941,550 17,643,264 17,643,264 income tax 771,125 471,615 906,089 394,174 II SUPPLEMENTAL CAPITAL TIER 2 12,264,005 14,966,831 10,771,601 13,198,928
b. Disagio -/- - - - - TOTAL OTHER COMPREHENSIVE INCOME 1. Capital instrument in the form of stock or others which comply
c. Funds for paid-in capital - - - - CURRENT YEAR 51,868,003 38,164,041 60,957,959 45,346,542 with Tier 2 requirements 205,171 405,171 191,666 443,749
d. Others - - - - Profit (loss) current year attributable to: 2. Agio/disagio - - - -
19. Other comprehensive income PARENT ENTITY 51,096,878 37,692,426 55,060,057 41,170,637 3. General provision on earning assets (max. 1.25% credit risk -
a. Gain 36,062,108 36,028,874 36,861,679 36,982,170 NON-CONTROLLING INTEREST 4,991,813 3,781,731 weighted assets) 12,058,834 14,561,660 10,579,935 12,755,179
b. Losses -/- (2,338,297) (3,076,188) (2,622,583) (3,599,747) 4. Deduction supplemental capital - - - -
TOTAL PROFIT (LOSS) CURRENT YEAR 51,096,878 37,692,426 60,051,870 44,952,368
20. Reserve 4.1 Sinking Fund - - - -
Total comprehensive profit (loss) current 4.2 Placement of funds in instrument Tier 2 to other banks - - - -
a. General reserve 2,333,333 2,333,333 2,333,333 2,333,333 year attributable to:
b. Appropriated reserve - - - - 4.3 Cross-ownership in another entity acquired by the transition
PARENT ENTITY 51,868,003 38,164,041 55,916,730 41,604,619 due to law, grants, or grants will - - - -
21. Retained earning NON-CONTROLLING INTEREST 5,041,229 3,741,923 TOTAL CAPITAL 221,988,279 273,922,880 191,844,453 236,470,218
a. Previous years *****) 145,348,353 124,472,820 164,612,749 140,299,355 TOTAL COMPREHENSIVE PROFIT (LOSS)
b. Current year 51,096,878 37,692,426 55,060,057 41,170,637 31 December 2023 31 December 2022 31 December 2023 31 December 2022
CURRENT YEAR 51,868,003 38,164,041 60,957,959 45,346,542 (Audited) (Audited) (Audited) (Audited)
c. Paid dividend -/- (24,702,382) (16,816,893) (24,702,382) (16,816,893) TRANSFER PROFIT (LOSS) TO HEAD OFFICE - - - -
TOTAL EQUITY ATTRIBUTABLE TO OWNER 238,408,210 211,242,589 260,852,784 229,678,786 Individual Consolidated Individual Consolidated Individual Consolidated Individual Consolidated
DIVIDEND - - - -
TOTAL EQUITY 238,408,210 211,242,589 260,852,784 229,678,786 RISK WEIGHTED ASSETS CAR
EARNINGS PER SHARE (in Rupiah) *) 547.47 403.98 589.93 441.26
TOTAL LIABILITIES DAN EQUITY 1,688,850,385 1,570,332,063 2,174,219,449 1,992,544,687 Credit Risk - Weighted
*) Including Securities owned by Subsidiary which classified "At Cost" in accordance with SFAS No. 110 "Accounting for Sukuk" which has effective since *) Earnings per share for the year ended 31 December 2022 was restated due to stock split.
Assets 964,706,719 1,164,932,800 846,394,763 1,020,414,291 CET 1 Ratio (%) 20.29% 20.79% 18.36% 18.55%
1 January 2012.
Market Risk - Weighted
**) Consolidated balance includes allowance for impairment for consumer financing receivables and lease financing from Subsidiaries. Statements of Commitments and Contingencies Assets 9,980,215 12,359,269 5,829,558 6,232,483 Tier 1 Ratio (%) 20.29% 20.79% 18.36% 18.55%
***) Including right of use assets.
****) Consolidated balance includes temporary syirkah funds from Subsidiary. As of 31 December 2023 and 2022 (In Millions of Rupiah) Operational Risk -
*****) Accumulated losses of Rp162,874,901 had been eliminated against additional paid-in capital/agio through quasi-reorganisation on 30 April 2003. INDIVIDUAL CONSOLIDATED Weighted Assets 58,720,278 68,332,364 133,826,964 176,859,897 Tier 2 Ratio (%) 1.19% 1.20% 1.10% 1.10%
(Audited) (Audited) Total Risk Weighted Capital Adequacy
Statements of Financial Ratios NO DESCRIPTION Assets 1,033,407,212 1,245,624,433 986,051,285 1,203,506,671 Ratio (%) 21.48% 21.99% 19.46% 19.65%
As of 31 December 2023 and 2022 31 December 2023 31 December 2022 31 December 2023 31 December 2022 CAR BASED ON RISK CET 1 FOR
(In %) PROFILE % 9.76% 9.82% 9.86% 9.90% BUFFER (%) 11.72% 12.17% 9.60% 9.75%
31 December 31 December 31 December 31 December I COMMITMENT RECEIVABLES
NO RATIOS NO RATIOS CAPITAL ALLOCATION FOR CAR BASED ON RISK PROFILE PERCENTAGE OF BUFFER MANDATORY FULFILLED BY BANK
2023 (Audited) 2022 (Audited) 2023 (Audited) 2022 (Audited) 1. Unused fund borrowings/financing facilities - - - -
Capital Conservation
PERFORMANCE RATIOS COMPLIANCE 2. Outstanding purchase position of spot and From CET 1 (%) 8.57% 8.62% 8.76% 8.80% Buffer (%) 2.50% 2.50% 2.50% 2.50%
1. 1. a. Percentage violation of derivative/forward 252,306,483 216,072,362 253,078,400 216,413,578 Countercyclical
Capital Adequacy Ratio (CAR) 21.48% 19.46%
Legal Lending Limit 3. Others - - - - From AT 1 (%) - - - - Buffer (%) 0.00% 0.00% 0.00% 0.00%
2. Non-performing earning assets and
Capital Surcharge for
non-performing non-earning assets i. Related parties 0.00% 0.00% II COMMITMENT PAYABLES
to total earning assets and non- From Tier 2 (%) 1.19% 1.20% 1.10% 1.10% Systemic Bank (%) 2.50% 2.50% 2.50% 2.50%
ii. Third parties 0.00% 0.00% 1. Unused loan/financing facilities granted to customers
earning assets 0.70% 1.11%
3.
b. Percentage of excess of
i. Committed 52,804,931 47,765,747 52,498,506 47,580,488 Statements of Cash Flows
Non-performing earning assets to Legal Lending Limit
total earning assets 0.68% 1.09% ii. Uncommitted 163,441,539 149,441,920 163,845,572 149,954,493 For the Years Ended 31 December 2023 and 2022 (In Millions of Rupiah)
i. Related parties 0.00% 0.00%
4. Allowance for impairment on ii. Third parties 0.00% 0.00% 2. Outstanding irrevocable letters of credit 20,515,997 28,135,050 20,881,972 28,317,281 CONSOLIDATED
financial assets to earning assets 2.87% 3.91% 2. Reserve requirement 3. DESCRIPTION (Audited)
Outstanding sales position of spot and derivative/
5. Gross NPL 1.02% 1.88% a. Primary reserve forward 252,397,142 219,886,630 255,254,227 222,031,188 31 December 2023 31 December 2022
6. Net NPL 0.29% 0.26% requirement Rupiah 7.32% 8.53% 4. Others - - - - CASH FLOWS FROM OPERATING ACTIVITIES
7. Return on Asset (ROA) 4.03% 3.30% i. Daily 0.00% 0.00% III CONTINGENT RECEIVABLES Receipts from interest income 109,977,225 91,108,970
8. Return on Equity (ROE) 27.31% 22.62% ii. Average 7.32% 8.53% Receipts from sharia income 18,639,462 16,194,901
1. Guarantees received 28,992,163 27,815,004 29,226,582 28,052,019
9. Net Interest Margin (NIM) 5.25% 5.16% b. Reserve requirement Receipts from provision, commission and premium income 33,870,101 33,182,421
2. Others 34,338 34,355 34,338 34,355
10. Operating Expenses to foreign currencies 4.10% 4.10% Payments of interest expenses (29,551,232) (20,157,582)
Operating Income 51.88% 57.35% i. Daily 2.00% 2.00% IV CONTINGENT PAYABLES Payments of sharia expenses (5,925,654) (3,993,852)
11. Cost to Income Ratio (CIR) 34.36% 38.19% ii. Average 2.10% 2.10% 1. Guarantees issued 126,521,898 120,128,031 129,359,735 122,836,819 Payments of insurance claim expenses (11,598,645) (11,912,575)
12. Loan to Deposit Ratio (LDR) 86.75% 77.61% 3. Net Open Position-overall 1.28% 9.78% 2. Others 3,268,517 2,154,323 3,268,517 2,154,323 Receipts from the sale of government bonds measured at fair value through profit or loss 198,473,490 279,071,088
Acquisitions of government bonds measured at fair value through profit or loss (207,265,229) (279,537,515)
Statements of Assets’ Quality and Other Information Statements of Spot and Derivative Transactions Income/(expense) from financial assets measured at fair value through profit of loss - net 4,371,516 (1,557,115)
Other operating income - others 5,527,300 3,932,497
As of 31 December 2023 and 2022 (In Millions of Rupiah) As of 31 December 2023 (In Millions of Rupiah)
Other operating expenses - others (8,868,375) (7,030,620)
INDIVIDUAL INDIVIDUAL Salaries and employee benefit expenses (25,143,475) (22,892,424)
31 December 2023 (Audited) 31 December 2022 (Audited) NOTIONAL Derivative Receivables General and administrative expenses (18,165,992) (17,867,331)
NO DESCRIPTION NO TRANSACTION Type
Special Sub Special Sub AMOUNT & Payables Non-operating income - net 34,694 206,816
Current Doubtful Loss Total Current Doubtful Loss Total
Mention Standard Mention Standard Trading Hedging Receivables Payables Payment of corporate income tax (13,729,286) (11,909,631)
I RELATED PARTIES A. Exchange Rate Related Cash Flows from Operating Activities Before Changes in Operating Assets and Liabilities 50,645,900 46,838,048
1. Placements with other banks 1. Spot 7,617,192 7,617,192 - 2,896 5,453 Decrease/(Increase) in Operating Assets:
a. Rupiah 22 - - - - 22 250,022 - - - - 250,022 2. Forward 54,704,195 54,704,195 - 242,313 227,775 Placements with Bank Indonesia and other banks 1,300,258 702,604
b. Foreign currencies 966,553 - - - - 966,553 942,939 - - - - 942,939 3. Option Marketable securities measured at fair value through profit or loss (4,523,193) 4,340,432
2. Spot and derivative receivables/ a. Written 669,770 669,770 - - 30,247 Other receivables - trade transactions 7,748,711 (4,494,996)
forward b. Purchased 669,770 669,770 - 53,594 - Loans (173,772,763) (128,394,061)
a. Rupiah - - - - - - - - - - - - 4. Future - - - - - Sharia receivables/financing (34,331,179) (38,291,913)
b. Foreign currencies - - - - - - - - - - - - Securities purchased under agreement to resell (10,986,939) 15,611,011
5. Swap 146,707,276 134,346,769 12,360,507 490,313 582,734
3. Securities Consumer financing receivables (10,159,382) (5,370,202)
6. Others - - - - - Net investment in lease financing 307,195 (1,090,046)
a. Rupiah 72,010 - - - - 72,010 10,401 - - - - 10,401
B. Interest Rate Related Prepaid taxes 728,393 908,800
b. Foreign currencies - - - - - - - - - - - -
4. 1. Forward - - - - - Prepaid expenses (824,286) (425,252)
Securities sold under agreement to
repurchase (Repo) 2. Option Other assets (8,293,177) (3,230,934)
a. Rupiah a. Written - - - - - Recovery of written - off financial assets 12,159,217 8,204,315
- - - - - - - - - - - -
b. Purchased - - - - - Increase/(Decrease) in Operating Liabilities and Temporary Syirkah Funds:
b. Foreign currencies - - - - - - - - - - - -
3. Future - - - - - Conventional Banking
5. Securities purchased under
agreement to resell (Reverse Repo) 4. Swap 46,241,242 43,967,353 2,273,889 633,403 588,940 Demand deposits 34,079,545 119,697,949
5. Others 32,870,694 32,870,694 - 546,189 684,157 Saving deposits 28,969,554 58,231,308
a. Rupiah - - - - - - - - - - - -
Time deposits (7,185,303) 4,988,760
b. Foreign currencies - - - - - - - - - - - - C. Others 130,000 130,000 - 185 - Interbank call money 2,845,795 (573,784)
6. Acceptance receivables 3,017 - - - - 3,017 2,180 - - - - 2,180 TOTAL 289,610,139 274,975,743 14,634,396 1,968,893 2,119,306 Obligation due immediately 428,927 (1,324,445)
7. Loans and financing provided Liability to unit-link policyholders (515,525) (947,343)
a. Micro, Small and Medium (UMKM) - - - - - - - - - - - - Other taxes payable (78,008) 740,103
i. Rupiah - - - - - - - - - - - -
Management of The Bank Other liabilities 11,754,709 4,559,959
ii. Foreign currencies - - - - - - - - - - - - Board of Commissioners Sharia Banking - Temporary Syirkah Funds
b. Non UMKM 6,486,387 2,282 - - - 6,488,669 3,934,801 558 - - - 3,935,359 President Commissioner/Independent : Muhamad Chatib Basri Demand deposits - restricted investment and mudharabah musytarakah 9,662,291 9,436,341
i. Rupiah 5,718,521 2,282 - - - 5,720,803 3,467,776 558 - - - 3,468,334 Saving deposits - restricted investment and unrestricted investment - mudharabah 5,382,833 7,794,862
Deputy President Commissioner/Independent : Andrinof A. Chaniago
ii. Foreign currencies 767,866 - - - - 767,866 467,025 - - - - 467,025 Pengurus Bank
Independent Commissioner : Loeke Larasati Agoestina
Mudharabah time deposits - unrestricted investment 15,033,947 2,063,789
c. Restructured loans*) - - - - - - - - - - - - Net Cash (Used in)/Provided by Operating Activities (69,622,480) 99,975,305
Independent Commissioner : Muliadi Rahardja CASH FLOWS FROM INVESTING ACTIVITIES
i. Rupiah - - - - - - - - - - - -
ii. Foreign currencies - - - - - - - - - - - - Independent Commissioner : Heru Kristiyana (I ncrease)/decrease in marketable securities - other than measured at fair value through
Independent Commissioner : Zainudin Amali profit or loss (7,500,467) 10,165,845
8. Investments in shares 14,526,121 - 414,227 25,191 - 14,965,539 14,526,122 - 414,227 94,191 - 15,034,540
Decrease/(increase) in government bonds - other than measured at fair value through
9. Other receivables - - - - - - - - - - - - Commissioner : Rionald Silaban profit or loss 30,052,757 (44,524,940)
10. Commitments and contingencies Commissioner : Arif Budimanta Proceeds from sale of fixed assets 242,703 3,943
a. Rupiah 687,397 25 - - - 687,422 528,902 153 - - - 529,055 Commissioner : Faried Utomo Acquisitions of fixed assets (3,086,377) (4,007,847)
b. Foreign currencies - - - - - - - - - - - - Commissioner : Nawal Nely Acquisitions of intangible assets (1,934,659) (1,091,799)
II THIRD PARTIES Acquisitions of right of use assets (1,873,647) (2,126,819)
Commissioner : Muhammad Yusuf Ateh Increase in Subsidiaries' investment (29,770) (308,314)
1. Placements with other banks
Board of Directors Divestment in Associate Entity 140,000 -
a. Rupiah 26,641,841 - - - - 26,641,841 17,639,395 - - - - 17,639,395
President Director : Darmawan Junaidi Net Cash Provided by/(Used in) Investing Activities 16,010,054 (41,889,931)
b. Foreign currencies 61,782,892 - - - - 61,782,892 106,048,785 - - - - 106,048,785
2. Spot and derivative receivables/ Deputy President Director : Alexandra Askandar CASH FLOWS FROM FINANCING ACTIVITIES
forward Director of Risk Management : Ahmad Siddik Badruddin Receipts from debt securities issued 16,811,244 3,300,667
a. Rupiah 1,836,519 - - - - 1,836,519 2,125,393 - - - - 2,125,393 Payments of debt securities issued (12,065,865) (4,782,101)
Director of Compliance and Human Resources : Agus Dwi Handaya
b. Foreign currencies 132,374 - - - - 132,374 125,323 - - Receipts from fund borrowings 67,056,159 23,013,205
- - 125,323 Director of Commercial Banking : Riduan Payments of fund borrowings (34,822,471) (12,180,020)
3. Securities
Director of Network and Retail Banking : Aquarius Rudianto Receipts from subordinated loans and marketable securities 100,000 -
a. Rupiah 190,965,202 - - - 39,496 191,004,698 214,425,713 - - - - 214,425,713
Director of Operation : Toni Eko Boy Subari Payments of subordinated loans and marketable securities (517,151) (12,900)
b. Foreign currencies 50,895,465 - - - - 50,895,465 65,643,595 - - - - 65,643,595 Increase in securities sold under agreement to repurchase liabilities 11,611,121 18,642,798
4. Securities sold under agreement to Director of Corporate Banking : Susana Indah Kris Indriati
Payments of dividends (24,702,382) (16,816,893)
repurchase (Repo) Director of Institutional Relationship : Rohan Hafas
Receipts from non - controlling interest for issuance of Subsidiaries' new shares - 2,164,564
a. Rupiah 27,164,767 - - - - 27,164,767 19,566,295 - - - - 19,566,295 Director of Finance and Strategy : Sigit Prastowo Net Cash Provided by Financing Activities 23,470,655 13,329,320
b. Foreign currencies 12,540,968 - - - - 12,540,968 6,450,394 - - - - 6,450,394 Director of Information Technology : Timothy Utama Net (Decrease)/Increase in Cash and Cash Equivalents (30,141,285) 71,414,694
5. Securities purchased under
Director of Treasury and International Banking : Eka Fitria Effect of Exchange Rate Changes on Cash and Cash Equivalents (946,566) 9,843,138
agreement to resell (Reverse Repo)
Cash and Cash Equivalents at the Beginning of Year 274,889,544 193,631,712
a. Rupiah 16,205,580 - - - - 16,205,580 6,312,523 - - - - 6,312,523
Cash and Cash Equivalents at the End of Year 243,801,693 274,889,544
b. Foreign currencies - - - - - - - - - - - - Shareholders
6. Acceptance receivables 14,452,865 7,059 - - - 14,459,924 11,290,400 62,784 2,515 Cash and cash equivalents at the end of year consist of :
- - 11,355,699
Ultimate Shareholder Cash 26,431,740 27,212,759
7. Loans and financing provided
Republic of Indonesia 52.00% Current accounts with Bank Indonesia 108,605,322 107,349,158
a. Micro, Small and Medium (UMKM) 119,540,357 4,266,991 438,406 716,981 531,957 125,494,692 112,371,501 3,544,994 314,452 466,031 598,054 117,295,032
Non Ultimate Shareholder through Capital Market (≥ 5%) Nil Current accounts with other banks 36,606,090 47,809,985
i. Rupiah 119,029,329 4,266,991 438,406 716,981 531,957 124,983,664 112,198,336 3,544,994 314,452 466,031 598,054 117,121,867
Liquid short-term investments with maturity period of three months or less since the date
ii. Foreign currencies 511,028 - - - - 511,028 173,165 - - - - 173,765 Non Ultimate Shareholder through non Capital Market (≥ 5%) of acquisition 72,158,541 92,517,642
b. Non UMKM 901,379,800 43,112,073 1,850,904 3,605,579 3,855,710 953,804,066 758,339,185 37,004,369 966,062 4,936,004 10,163,040 811,408,660 Indonesia Investment Authority 8.00% Total Cash and Cash Equivalents 243,801,693 274,889,544
i. Rupiah 663,887,055 29,263,150 1,850,904 3,093,362 2,823,353 700,917,824 550,346,412 22,549,653 966,062 4,410,452 7,490,838 585,763,417
ii. Foreign currencies 237,492,745 13,848,923 - 512,217 1,032,357 252,886,242 207,992,773 14,454,716 - 525,552 2,672,202 225,645,243 NOTES
c. Restructured loans *) 36,548,105 34,776,121 1,044,617 2,677,760 3,150,180 78,196,783 54,866,554 32,520,055 642,551 4,546,121 9,541,350 102,116,631
Awards 1. The above financial information is extracted from the Consolidated Financial Statements of PT Bank Mandiri (Persero) Tbk. and
i. Rupiah 28,421,570 21,387,995 1,044,617 2,165,543 2,123,759 55,143,484 49,509,092 18,092,502 642,551 4,020,670 6,869,229 79,134,044 its Subsidiaries as of 31 December 2023 and for the year then ended, as prepared by the Bank's Management in accordance with
Asiamoney Award 2023 AIBP Innovation Award Indonesian Financial Accounting Standards which have been audited by Public Accountant Firm Tanudiredja, Wibisana, Rintis & Rekan
ii. Foreign currencies 8,126,535 13,388,126 - 512,217 1,026,421 23,053,299 5,357,462 14,427,553 - 525,451 2,672,121 22,982,587
Best Bank for Digital Solution in AIBP Enterprise Innovation Awards (member firms of PwC global network) with Lucy Luciana Suhenda, S.E., Ak., CPA, as partner in charge, an independent auditor, in
8. Investments in shares - - - - 34,093 34,093 - - - - 34,110 34,110 accordance with Standards on Auditing established by the Indonesian Institute of Certified Public Accountants with an unmodified
Indonesia Forbes World's Best Bank 2023
9. Other receivables 25,024,252 245,783 - - 1,215,601 26,485,636 32,844,347 437,481 12,419 - 1,227,446 34,521,693 audit opinion, as stated in the report dated 31 January 2024.
Alpha Southeast Asia Award 2023 The Best SOE Bank
10. Commitments and contingencies 2. The above published financial statements are presented to comply with the Financial Services Authority Regulation (FSAR) No.
Best Digital Bank Bisnis Indonesia Financial Award 2023 37/POJK.03/2019 dated 20 December 2019 regarding the Transparency and Publication of the Bank Reports and Circular Letter
a. Rupiah 234,773,930 1,155,346 4,184 51,879 36,315 236,021,654 212,868,165 1,590,874 3,945 45,927 192,013 214,700,924
b. Foreign currencies 120,707,932 5,865,049 - 1,978 330 126,575,289 124,557,866 5,678,188 333 Best Cash Management Bank The Most Popular Digital Banking App of Financial Services Authority (CLFSA) No. 9/SEOJK.03/2020 dated 30 June 2020 regarding the Transparency and Publication of
4,003 379 130,240,769
Best Wealth Management Bank LinkedIn 2023 Top Companies Commercial Coventional Bank's Report and Circular Letter of Financial Services Authority No. S-2/PB.11/2020 dated 20 January 2020
III OTHER INFORMATION regarding Changes to Publication Report Template and also in accordance with the FSAR Regulation No. 14/POJK.04/2022 dated
1. Value of bank’s assets pledged as collateral: The Digital Banker 2023 Top Indonesia Company To Grow Your
22 August 2022 regarding Submission of Periodic Financial Statements for Issuers or Public Companies and Attachment to Decision
a. To Bank Indonesia Best Corporate Mobile Banking App Career of Capital Market Supervisory ("Bapepam and LK") Chairman No. Kep-346/BL/2011 dated 5 July 2011 regarding the Submission of
- -
b. To others
(Kopra Mobile) Euromoney Awards for Excellence Periodic Financial Statements for Issuers or Public Companies. Financial information and Statement of Cash Flows which included in
- -
ASEAN Energy Awards 2023 2023 the Published Financial Statements have been prepared in accordance with Bapepam and LK Regulation No. VIII.G.7, Attachment to
2. Repossessed assets **) - -
Energy Efficient Building – Plaza Mandiri Indonesia’s Best Bank 2023 Decision of Bapepam and LK Chairman No. Kep-347/BL/2012 dated 25 June 2012.
*) Include restructured loans due to Covid-19.
**) Repossessed assets are presented net after the allowance for impairment of assets. 3. Related Parties in the Statement of Assets' Quality and Other Information are presented in accordance with the Bank Indonesia
Regulation No. 7/3/PBI/2005 dated 20 January 2005 as last amended by Financial Services Authority Regulation No. 38/POJK.03/2019
Allowance for Impairment (CKPN) and Asset Quality Assessment (PPKA) dated 19 December 2019 regarding the Amendment of Financial Services Authority Regulation No. 32/POJK.03/2018 regarding The
Legal Lending Limit and Provisions of Large Fund for Commercial Banks.
As of 31 December 2023 and 2022 (In Millions of Rupiah) 4. Bank Mandiri's Individual Governance Factor Rating for the period ended December 2022 and for the period ended June 2023 is
INDIVIDUAL 2 (Good) - Reflecting that the Bank's management has implemented Good Governance in general. This is reflected in adequate
31 December 2023 (Audited) 31 December 2022 (Audited) compliance with the principles of Governance. In this case, there are weaknesses in the application of the principles of Good
Allowance for Asset Quality Allowance for Asset Quality Corporate Governance, in general these weaknesses are less significant and can be resolved by normal actions by the Bank's
Allowance for Impairment (CKPN) Allowance for Impairment (CKPN) management.
NO DESCRIPTION Assessment (PPKA) Assessment (PPKA)
Total Total Total Total 5. Exchange rate of 1 US Dollar as at 31 December 2023 and 31 December 2022 were Rp15,397.00, and Rp15,567.50 respectively.
Allowance Allowance for Allowance Specific Allowance for
Stage 1 Stage 2 Stage 3 General Specific Asset Quality Stage 1 Stage 2 Stage 3 General
for for Asset Quality
Impairment Assessment Impairment Assessment Jakarta, 31 January 2024
1. Placements with other banks 12,329 - - 12,329 486,240 - 486,240 14,946 - - 14,946 639,639 - 639,639 S. E & O
2. Spot and derivative receivables/forward - - - - 19,501 - 19,501 - - - - 22,471 - 22,471 Board of Directors
3. Securities *) 14,614 - 24,850 39,464 334,859 39,496 374,355 27,064 - - 27,064 430,395 - 430,395 PT Bank Mandiri (Persero) Tbk.
4. Securities sold under agreement to repurchase (Repo) - - - - 7,425 - 7,425 - - - - 7,494 - 7,494
5. Securities purchased under agreement to resell (Reverse Repo) - - - - 47,804 - 47,804 - - - - 37,517 - 37,517
6. Acceptance receivables 29,916 87,984 - 117,900 144,559 353 144,912 35,320 19,314 2,515 57,149 112,926 3,516 116,442
7. Loans and financing provided **) 11,201,507 15,660,142 15,473,730 42,335,379 10,274,065 9,261,410 19,535,475 11,601,628 27,370,584 15,303,948 54,276,160 8,746,455 15,681,684 24,428,139
8. Investments in shares 30 - 44,505 44,535 145,261 108,823 254,084 30 - 80,305 80,335 30 143,340 143,370
9. Other receivables 55,293 178,637 1,215,609 1,449,539 250,243 1,227,890 1,478,133 81,831 240,594 1,239,865 1,562,290 328,443 1,251,183 1,579,626 Darmawan Junaidi Sigit Prastowo
10. Commitments and contingencies 471,778 476,059 163,893 1,111,730 1,945,865 321,732 2,267,597 488,871 1,326,810 228,819 2,044,500 1,897,225 519,373 2,416,598 President Director Director of Finance and Strategy
TOTAL 11,785,467 16,402,822 16,922,587 45,110,876 13,655,822 10,959,704 24,615,526 12,249,690 28,957,302 16,855,452 58,062,444 12,222,595 17,599,096 29,821,691
*) Stage 1 & 3 allowance for impairment includes allowance for impairment for financial assets that are measured at fair value through other comprehensive income which is booked in equity.
**) Stage 1 allowance for impairment includes allowance for impairment for financial assets that are measured at fair value through other comprehensive income which is booked in equity.
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Bank Mandiri Financial Statement
Bank Mandiri is licensed and supervised by the Indonesia Financial Service Authority (OJK) and an insured member of Deposit Insurance Corporation (LPS). www.bankmandiri.co.id https://bmri.id/quarterlyfinancials
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Lucy Luciana Suhenda
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Bank Indonesia Regulation
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