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The Jakarta Post TUESDAY October 31, 2023 5
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 30 September 2023 and 31 December 2022 (In Millions of Rupiah) For the Periods Ended 30 September 2023 and 2022 (In Millions of Rupiah) As of 30 September 2023 and 2022 (In Millions of Rupiah)
INDIVIDUAL CONSOLIDATED INDIVIDUAL CONSOLIDATED 30 September 2023 30 September 2022
NO DESCRIPTION 31 December 2022 31 December 2022 NO DESCRIPTION NO COMPONENTS OF CAPITAL
30 September 2023 30 September 2023 30 September 2023 30 September 2022 30 September 2023 30 September 2022 Individual Consolidated Individual Consolidated
(Audited) (Audited)
ASSETS OPERATING INCOME AND EXPENSES I CORE CAPITAL TIER 1 192,315,530 239,405,599 169,655,464 203,927,848
1. Cash 18,594,686 20,852,885 23,443,305 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) 192,315,530 239,405,599 169,655,464 203,927,848
2. Placements with Bank Indonesia 101,706,930 147,516,206 125,567,071 183,931,076 1. Interest and Sharia Income 72,293,848 59,512,418 98,008,135 81,258,804 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 35,477,137 63,963,932 44,230,387 66,552,179 1.2 Disclosed Reserves 208,070,560 228,791,823 181,844,747 198,075,240
2. Interest and Sharia Expenses 18,895,041 12,109,656 26,144,840 17,274,042
4. Spot and derivative receivables/forward 2,775,641 2,250,716 2,809,126 2,275,250 1.2.1 Additional Factor 212,420,733 233,742,482 187,428,053 204,282,616
Net Interest Income and Sharia Income
5. Securities *) 256,286,028 280,079,709 361,571,903 385,062,705 (Expenses) 53,398,807 47,402,762 71,863,295 63,984,762 1.2.1.1 Other comprehensive income 34,563,236 34,791,975 29,989,610 30,215,525
6. Securities sold under agreement to 1.2.1.1.1 Excess differences arising from translation of
repurchase (Repo) 26,864,849 26,016,689 26,976,072 26,127,217 3. Premium Income - - 10,465,530 10,905,130
financial statements 50,823 50,823 70,000 70,000
7. Securities purchased under agreement to 4. Claim Expenses - - 8,878,497 8,906,356 1.2.1.1.2 Potential gain of the increase in the fair value of
resell (Reverse Repo) 5,012,966 6,312,523 10,978,398 11,705,989 Net Premium Income (Claim Expenses) - - 1,587,033 1,998,774 financial assets measured at fair value through
8. Acceptance receivables 12,736,294 11,357,879 12,833,550 11,781,581 Net Interest and Sharia Income (Expenses) and other comprehensive income 24,459 24,459 5,713 5,713
9. Loans 1,016,043,397 932,639,051 1,280,914,677 1,172,599,882 Net Premium Income (Claim Expenses) 53,398,807 47,402,762 73,450,328 65,983,536 1.2.1.1.3 Surplus of fixed assets revaluation 34,487,954 34,716,693 29,913,897 30,139,812
10. Consumer financing receivables - - 29,631,033 23,757,727 B Other Operating Income and Expenses 1.2.1.2 Other disclosed reserves 177,857,497 198,950,507 157,438,443 174,067,091
11. Sharia financing - - - - 1. 1.2.1.2.1 Agio 18,941,550 17,643,264 18,941,550 17,643,264
Gain (loss) from increase (decrease) in fair value
12. Investment in shares 15,068,656 15,068,650 2,847,005 2,757,594 of financial assets 1,197,309 1,877,451 1,359,329 1,862,610 1.2.1.2.2 General reserves 2,333,333 2,333,333 2,333,333 2,333,333
13. Others financials assets 38,979,355 43,883,587 40,523,988 45,339,316 2. 1.2.1.2.3 Previous years profit 120,645,971 139,910,367 107,655,927 123,437,708
Gain (loss) from decrease (increase) in fair value
14. Allowance for impairment on financial of financial liabilities - - - - 1.2.1.2.4 Current year profit 35,936,643 39,063,543 28,507,633 30,652,786
assets -/-
3. 1.2.1.2.5 Funds for paid-in capital - - - -
Gain (loss) from sale of financial assets 807,669 910,380 1,075,308 1,065,293
a. Securities (11,213) (17,834) (73,584) (39,268) 1.2.1.2.6 Others - - - -
b. Loans and sharia financing **) (46,703,333) (54,267,417) (58,374,002) (65,362,179) 4. Gain (loss) from spot and derivative transaction/ 1.2.2 Deduction Factor (4,350,173) (4,950,659) (5,583,306) (6,207,376)
forward (realised) 65,423 94,006 125,591 132,316
c. Others (2,491,292) (1,714,720) (2,587,610) (1,761,117) 1.2.2.1 Other comprehensive income (3,834,211) (3,469,163) (5,263,690) (5,017,142)
5. Gain (loss) from investment in shares under equity
15. Intangible assets 9,745,950 9,270,638 12,507,266 11,712,040 1.2.2.1.1 Negative differences arising from translation of
method - - - - financial statements (412,108) (123,539) (396,144) (126,275)
Accumulated amortisation for intangible
assets -/- (6,187,902) (5,597,283) (7,411,903) (6,618,431) 6. Gain (loss) from foreign currencies translation - - - - 1.2.2.1.2 Potential losses from the decrease in the fair
16. Premises and equipment ***) 67,911,543 66,392,486 79,997,874 77,969,898 7. Dividend income 1,083,443 1,016,502 - - value of financial assets measured at fair value
Accumulated depreciation for premises and 8. through other comprehensive income (3,422,103) (3,345,624) (4,867,546) (4,890,867)
Comissions/provisions/fees and administrative 11,543,251 10,462,598 14,546,162 13,184,641
equipment -/- (17,631,237) (16,185,489) (23,560,790) (21,429,332) 1.2.2.2 Other disclosed reserves (515,962) (1,481,496) (319,616) (1,190,234)
9. Other income 6,755,084 5,556,379 10,325,738 8,523,021
17. Non earning assets 1.2.2.2.1 Disagio - - - -
10. Impairment for financial assets 5,307,480 7,932,434 9,072,764 11,561,073 1.2.2.2.2 Previous years loss - - - -
a. Abandoned properties - net - - 9,403 9,403
b. Repossessed assets - net - - - -
11. Losses related to operational risk 3,614 28,355 17,856 68,870 1.2.2.2.3 Current year loss - - - -
c. Suspense account - net 2,471,169 2,089,953 2,471,169 2,089,953 12. Salaries and employee benefits 11,577,210 11,482,384 17,739,747 17,654,774 1.2.2.2.4 Negative differences in allowance for possible
13. losses and allowance for impairment on
d. Interoffice assets - - - - Promotion expenses 859,323 812,709 1,466,097 1,196,629 earning assets - - - -
18. Lease financing - - 5,376,922 5,872,560 14. Other expenses 12,965,720 11,792,148 19,384,460 18,099,184 1.2.2.2.5 Negative differences in adjustment amounts of
19. Other assets 22,890,610 20,419,902 36,257,886 30,997,885 Other Operating Income (Expenses) - net (9,261,168) (12,130,714) (20,248,796) (23,812,649) financial instruments based on valuation results
TOTAL ASSETS 1,559,540,234 1,570,332,063 2,006,939,146 1,992,544,687 in trading book and adjusment amounts based
PROFIT (LOSS) FROM OPERATIONS 44,137,639 35,272,048 53,201,532 42,170,887 on financial accounting standards - - - -
LIABILITIES AND EQUITY
LIABILITIES NON OPERATING INCOME AND EXPENSES 1.2.2.2.6 Required allowance for non earning assets (515,962) (1,481,496) (319,616) (1,190,234)
1. Demand deposits ****) 465,745,825 497,991,237 506,233,494 541,801,050 1. Gain (loss) from sale of premises and equipment 1,697 277 5,740 444 1.2.2.2.7 Others - - - -
2. Saving deposits ****) 440,789,615 428,366,948 564,083,926 552,752,472 2. Other non operating income (expenses) 37,842 11,162 4,520 21,746 1.3 Non controlling interest - 20,945,259 - 15,778,654
3. Time deposits ****) 244,191,729 266,806,141 381,390,705 396,291,070 PROFIT (LOSS) FROM NON OPERATING 39,539 11,439 10,260 22,190 1.4 Deduction Factor of CET 1 (27,421,697) (21,998,150) (23,855,950) (21,592,713)
4. Electronic money 1,796,547 1,754,492 1,796,547 1,754,492 1.4.1 Deferred tax (8,877,047) (11,181,145) (9,877,332) (11,683,915)
PROFIT (LOSS) CURRENT PERIOD BEFORE TAX 44,177,178 35,283,487 53,211,792 42,193,077
5. Fund from Bank Indonesia - - 11,029,200 - 1.4.2 Goodwill - (482,091) - (482,091)
Income tax expenses 1.4.3 Intangible assets (3,558,048) (4,293,214) (3,476,703) (3,973,980)
6. Fund from other banks ****) 14,198,662 13,419,651 16,046,837 15,781,347
a. Estimated current tax (7,236,844) (6,683,921) (9,463,516) (8,557,256) 1.4.4 Investments in shares calculated as deduction (14,986,602) (6,041,700) (10,501,915) (5,452,727)
7. Spot and derivative liabilities/forward 2,203,559 2,150,170 2,203,559 2,150,170
b. Deferred tax income (expenses) (1,003,691) (91,933) (977,275) (170,907) 1.4.5 Shortfall of capital in insurance subsidiaries - - - -
8. Securities sold under agreement to
repurchase liabilities (Repo) 25,497,139 24,228,547 25,593,367 24,325,475 PROFIT (LOSS) CURRENT PERIOD 35,936,643 28,507,633 42,771,001 33,464,914 1.4.6 Securitisation exposure - - - -
9. Acceptance liabilities 12,736,294 11,357,879 12,833,550 11,781,581 PROFIT (LOSS) MINORITY INTEREST - - 3,707,458 2,812,128 1.4.7 Other deduction of CET 1 - - - -
10. Securities issued 40,929,777 36,370,874 51,761,605 46,209,505 1.4.7.1 Placement of funds in instrumen AT 1 and/or Tier 2 to
OTHER COMPREHENSIVE INCOME other banks - - - -
11. Fund borrowings 50,555,120 41,862,329 74,654,161 62,973,682 1. Items that will not be reclassified to profit or loss
12. Margin deposits received 1,274,857 944,783 1,274,857 944,783
1.4.7.2 Cross-ownership in another entity acquired by the transi-
a. Gain from premises and equipment revaluation - - - - tion due to law, grants, or grants will - - - -
13. Interoffice liabilities 19,465 124,781 19,465 124,781
b. Gain (loss) from remeasurement of defined 1.4.7.3 Exposures that give rise to credit risk due the settlement
14. Liability to unit-link holders - - 28,949,747 29,710,227 benefits program - - (43,476) 156,537 risk - Non Delivery Versus Payment - - - -
15. Other liabilities 37,807,536 33,711,642 60,464,186 53,698,597 c. Others - - - - 1.4.7.4 Exposures in Subsidiaries that conduct business activity
16. Minority interest - - 25,294,392 22,566,669 based on sharia principles (if available) - - - -
2. Items that will be reclassified to profit or loss
TOTAL LIABILITIES 1,337,746,125 1,359,089,474 1,763,629,598 1,762,865,901 2. Additional Tier 1 (AT 1) - - - -
EQUITY a. Gain (loss) from translation of financial
statements in foreign currencies 469 (33,121) (12,289) 32,710 2.1 Instrument which comply with AT 1 requirements - - - -
17. Share capital 2.2 Agio/disagio - - - -
b. Gain (loss) from changes in the fair value
a. Authorised capital 16,000,000 16,000,000 16,000,000 16,000,000 of financial assets measured at fair value 2.3 Deduction factor of AT 1 - - - -
b. Unpaid-in capital-/- (4,333,333) (4,333,333) (4,333,333) (4,333,333) through other comprehensive income (683,210) (6,413,662) (653,022) (6,839,748) 2.3.1 Placement of funds in instrument AT 1 and/or Tier 2 to
c. Treasury stock -/- - - - - c. Others - - 4,692 (6,011) other banks - - - -
18. Additional paid-in capital 2.3.2 Cross-ownership in another entity acquired by the transi-
Other comprehensive income current period tion due to law, grants, or grants will - - - -
a. Agio 18,941,550 18,941,550 17,643,264 17,643,264 after income tax (682,741) (6,446,783) (704,095) (6,656,512)
b. Disagio -/- - - - - TOTAL OTHER COMPREHENSIVE INCOME II SUPPLEMENTAL CAPITAL TIER 2 11,712,998 14,182,094 10,122,480 12,564,173
c. Funds for paid-in capital - - - - CURRENT PERIOD 35,253,902 22,060,850 42,066,906 26,808,402 1. Capital Instrument in the form of stock or others which comply
d. Others - - - - with Tier 2 requirements 210,500 256,333 213,691 534,524
Profit (loss) current period attributable to:
19. Other comprehensive income 2. Agio/disagio - - - -
PARENT ENTITY 35,936,643 28,507,633 39,063,543 30,652,786 3. General provision on earning assets (max. 1.25% credit risk -
a. Gain 36,028,874 36,028,874 36,913,605 36,982,170
NON CONTROLLING INTEREST 3,707,458 2,812,128 weighted assets) 11,502,498 13,925,761 9,908,789 12,029,649
b. Losses -/- (3,758,929) (3,076,188) (4,221,231) (3,599,747)
TOTAL PROFIT (LOSS) CURRENT PERIOD 35,936,643 28,507,633 42,771,001 33,464,914 4. Deduction supplemental capital - - - -
20. Reserve
Total comprehensive profit (loss) current 4.1 Sinking Fund - - - -
a. General reserve 2,333,333 2,333,333 2,333,333 2,333,333 4.2 Placement of funds in instrument AT 1 and/or Tier 2 to
period attributable to:
b. Appropriated reserve - - - -
PARENT ENTITY 35,253,902 22,060,850 38,373,494 24,075,420 other banks - - - -
21. Retained earning 4.3 Cross-ownership in another entity acquired by the transition
NON CONTROLLING INTEREST 3,693,412 2,732,982
a. Previous years *****) 145,348,353 124,472,820 164,612,749 140,299,355 due to law, grants, or grants will - - - -
b. Current year 35,936,643 37,692,426 39,063,543 41,170,637
TOTAL COMPREHENSIVE PROFIT (LOSS) TOTAL CAPITAL 204,028,528 253,587,693 179,777,944 216,492,021
CURRENT PERIOD 35,253,902 22,060,850 42,066,906 26,808,402
c. Paid dividend -/- (24,702,382) (16,816,893) (24,702,382) (16,816,893) 30 September 2023 30 September 2022 30 September 2023 30 September 2022
TRANSFER PROFIT (LOSS) TO HEAD OFFICE - - - -
TOTAL EQUITY ATTRIBUTABLE TO OWNER 221,794,109 211,242,589 243,309,548 229,678,786
DIVIDEND - - - - Individual Consolidated Individual Consolidated Individual Consolidated Individual Consolidated
TOTAL EQUITY 221,794,109 211,242,589 243,309,548 229,678,786
TOTAL LIABILITIES DAN EQUITY 1,559,540,234 1,570,332,063 2,006,939,146 1,992,544,687 EARNINGS PER SHARE (in Rupiah) 385.04 305.57 *) 418,54 328.57 *) RISK WEIGHTED ASSETS CAR
*) Including Securities owned by Subsidiary which classified "At Cost" in accordance with SFAS 110 "Accounting for Sukuk" which has effective since 1 January 2012. *) Earnings per share for the period 30 September 2022 was restated due to stock split. Credit Risk - Weighted
**) Consolidated balance includes allowance for impairment for consumer financing receivables and lease financing from Subsidiaries. Assets 920,199,879 1,114,060,868 792,703,100 962,371,890 CET 1 Ratio (%) 19.50% 20.12% 18.23% 17.83%
***) Including right of use assets. Statements of Commitments and Contingencies
****) Consolidated balance includes temporary syirkah funds from Subsidiary.
Market Risk - Weighted
*****) Accumulated losses of Rp162,874,901 had been eliminated against additional paid-in capital/agio through quasi-reorganisation on 30 April 2003. As of 30 September 2023 and 31 December 2022 (In Millions of Rupiah) Assets 7,532,883 7,566,397 4,020,987 4,753,254 Tier 1 Ratio (%) 19.50% 20.12% 18.23% 17.83%
Operational Risk -
INDIVIDUAL CONSOLIDATED Weighted Assets 58,720,278 68,332,364 133,826,964 176,859,897 Tier 2 Ratio (%) 1.18% 1.19% 1.09% 1.10%
Statements of Financial Ratios NO DESCRIPTION Total Risk Weighted Capital Adequacy
30 September 2023 31 December
As of 30 September 2023 and 2022 (In %) 2022 30 September 2023 31 December 2022 Assets 986,453,040 1,189,959,629 930,551,051 1,143,985,041 Ratio (%) 20.68% 21.31% 19.32% 18.93%
(Audited) (Audited)
CAR BASED ON RISK CET 1 FOR
30 September 30 September 30 September 30 September PROFILE % 9.76% 9.82% 9.86% 9.90% BUFFER (%) 10.92% 11.49% 9.46% 9.03%
NO RATIOS
2023 2022
NO RATIOS
2023 2022
I COMMITMENT RECEIVABLES
1. Unused fund borrowings/financing facilities - - - - CAPITAL ALLOCATION FOR CAR BASED ON RISK PROFILE PERCENTAGE OF BUFFER MANDATORY FULFILLED BY BANK
PERFORMANCE RATIOS COMPLIANCE
2. Outstanding purchase position of spot and Capital Conservation
1. Capital Adequacy Ratio (CAR) 20.68% 19.32% 1. a. Percentage violation of derivative/forward From CET 1 (%) 8.58% 8.63% 8.77% 8.80% Buffer (%) 2.50% 2.50% 2.50% 2.50%
235,861,393 216,072,362 237,147,738 216,413,578
2. Non-performing earning assets and Legal Lending Limit Countercyclical
3. Others - - - -
non-performing non-earning assets i. Related parties 0.00% 0.00% From AT 1 (%) - - - - Buffer (%) 0.00% 0.00% 0.00% 0.00%
to total earning assets and non- ii. Third parties II COMMITMENT PAYABLES Capital Surcharge for
earning assets 0.00% 0.00%
0.87% 1.36% 1. Unused loan/financing facilities granted to customers From Tier 2 (%) 1.18% 1.19% 1.09% 1.10% Systemic Bank (%) 2.50% 2.50% 2.50% 2.50%
b. Percentage of excess of
3. Non-performing earning assets to
Legal Lending Limit i. Committed 55,327,844 47,765,747 54,681,541 47,580,488
total earning assets 0.88% 1.35%
i. Related parties 0.00% 0.00%
Statements of Cash Flows
ii. Uncommitted 164,124,025 149,441,920 164,836,667 149,954,493
4. Allowance for impairment on
ii. Third parties
For the Periods Ended 30 September 2023 and 2022 (In Millions of Rupiah)
financial assets to earning assets 0.00% 0.00% 2. Outstanding irrevocable letters of credit 17,907,214 28,135,050 17,951,506 28,317,281
3.45% 4.54%
2. Reserve requirement 3.
5. Gross NPL 1.36% 2.26% Outstanding sales position of spot and derivative/ CONSOLIDATED
a. Primary reserve forward 235,845,509 219,886,630 239,235,238 222,031,188 DESCRIPTION
6. Net NPL 0.32% 0.31% requirement Rupiah 7.89% 8.23% 30 September 2023 30 September 2022
4. Others - - - -
7. Return on Asset (ROA) 3.85% 3.40% i. Daily 0.00% 0.00% CASH FLOWS FROM OPERATING ACTIVITIES
III CONTINGENT RECEIVABLES
8. Return on Equity (ROE) 26.34% 23.28% ii. Average 7.89% 8.23% Receipts from interest income 80,769,057 65,721,928
b. Reserve requirement 1. Guarantees received 27,070,733 27,815,004 27,306,035 28,052,019
9. Net Interest Margin (NIM) 5.35% 5.12% Receipts from sharia income 13,867,126 11,621,081
foreign currencies 4.10% 4.10% 2. Others 34,344 34,355 34,344 34,355 Receipts from fees, commissions and premiums 24,750,027 23,710,107
10. Operating Expenses to
Operating Income 52.92% 55.59% i. Daily 2.00% 2.00% IV CONTINGENT PAYABLES Payments of insurance claim expenses (8,878,497) (8,906,356)
11. Cost to Income Ratio (CIR) 33.94% 35.82% ii. Average 2.10% 2.10% 1. Guarantees issued Payments of interest expenses (21,244,528) (14,080,913)
122,190,436 120,128,031 125,112,155 122,836,819
12. Loan to Deposit Ratio (LDR) 87.64% 83.18% 3. Net Open Position-overall 1.23% 7.59% Payments of sharia expenses (4,291,345) (2,888,719)
2. Others 3,023,134 2,154,323 3,023,134 2,154,323 Receipts from the sale of government bonds - fair value through profit or loss 148,244,012 247,817,538
Acquisitions of government bonds - fair value through profit or loss (153,971,284) (249,902,348)
Statements of Assets’ Quality and Other Information Statements of Spot and Derivative Transactions Income from financial assets measured at fair value through profit of loss - net 4,766,307 3,497,641
As of 30 September 2023 and 2022 (In Millions of Rupiah) As of 30 September 2023 (In Millions of Rupiah) Other operating income - others 3,197,219 2,942,909
INDIVIDUAL INDIVIDUAL Other operating expenses - others (7,414,186) (8,069,626)
30 September 2023 30 September 2022 NOTIONAL Derivative Receivables Salaries and employee benefits (19,845,115) (18,091,173)
NO DESCRIPTION NO TRANSACTION Type
Special Sub Special Sub AMOUNT & Payables General and administrative expenses (12,483,793) (11,563,461)
Current Doubtful Loss Total Current Doubtful Loss Total
Mention Standard Mention Standard Trading Hedging Receivables Payables Non-operating income - net 4,520 21,746
I RELATED PARTIES A. Exchange Rate Related Payment of corporate income tax (10,520,645) (9,028,385)
1. Placements with other banks 1. Spot 9,784,001 9,777,046 6,955 13,467 9,602 Cash Flows from Operating Activities Before Changes in Operating Assets and Liabilities 36,948,875 32,801,969
a. Rupiah 22 - - - - 22 22 - - - - 22 2. Forward 44,468,321 44,468,321 - 183,462 368,568 Decrease/(Increase) in Operating Assets:
b. Foreign currencies 984,133 - - - - 984,133 958,593 - - - - 958,593 3. Option Placements with Bank Indonesia and other banks (4,502,384) 1,682,437
2. Spot and derivative receivables/ a. Written 3,091,148 1,700,198 1,390,950 631 15,980 Marketable securities - fair value through profit or loss (6,397,959) 7,978,302
forward Other receivables - trade transactions 6,633,028 (3,092,038)
b. Purchased 5,893,067 5,893,067 - 60,277 9
a. Rupiah - - - - - - - - - - - - Loans (97,952,606) (94,312,882)
4. Future - - - - -
b. Foreign currencies - - - - - - - - - - - - Sharia financing (25,227,895) (30,300,712)
5. Swap 129,914,100 115,884,193 14,029,907 988,946 423,651 Securities purchased under agreement to resell 727,591 15,492,060
3. Securities
6. Others - - - - - Consumer financing receivables (6,634,516) (4,302,770)
a. Rupiah 26,394 - - - - 26,394 15,231 - - - - 15,231
B. Interest Rate Related Net investment in lease financing 432,326 (901,990)
b. Foreign currencies - - - - - - - - - - - -
1. Forward - - - - - Prepaid taxes 569,819 862,510
4. Securities sold under agreement to
2. Option Prepaid expenses (1,670,540) (1,133,168)
repurchase (Repo)
a. Written - - - - - Other assets (6,384,115) (2,689,515)
a. Rupiah - - - - - - - - - - - -
b. Purchased - - - - - Proceeds from collection of financial assets already written-off 7,153,868 5,914,051
b. Foreign currencies - - - - - - - - - - - - Increase/(Decrease) in Operating Liabilities and Temporary Syirkah Funds:
5. Securities purchased under 3. Future - - - - -
Conventional Banking
agreement to resell (Reverse Repo) 4. Swap 42,323,924 39,904,058 2,419,866 843,110 725,386
Demand deposits (33,657,067) (2,349,843)
a. Rupiah - - - - - - - - - - - - 5. Others 30,556,390 30,556,390 - 423,287 643,380
Saving deposits 11,347,959 42,450,169
b. Foreign currencies - - - - - - - - - - - - C. Others 5,703,800 5,703,800 - 262,461 16,983 Time deposits (22,386,523) 23,590,603
6. Acceptance receivables 6,556 - - - - 6,556 4,115 - - - - 4,115 TOTAL 271,734,751 253,887,073 17,847,678 2,775,641 2,203,559 Interbank call money 3,429,439 1,497,240
7. Loans and financing provided Obligation due immediately 2,910,149 (1,059,623)
a. Micro, Small and Medium (UMKM) - - - - - - - - - - - - Liability to unit-link policyholders (760,480) (587,484)
i. Rupiah - - - - - - - - - - - - Management of The Bank Other taxes payable (390,581) 67,271
ii. Foreign currencies - - - - - - - - - - - - Board of Commissioners Other liabilities 12,317,776 9,540,482
b. Non UMKM 5,661,293 54 - - - 5,661,347 3,886,821 2,430 - 2,055 - 3,891,306 Sharia Banking - Temporary Syirkah Funds
President Commissioner/Independent : Muhamad Chatib Basri
i. Rupiah 4,890,730 54 - - - 4,890,784 3,429,996 2,430 - 2,055 - 3,434,481 Demand deposits - restricted investment and demand deposit - mudharabah musytarakah (2,601,590) 5,169,280
Deputy President Commissioner/Independent : Andrinof A. Chaniago Saving deposits - restricted investment and mudharabah saving deposit - unrestricted
ii. Foreign currencies 770,563 - - - - 770,563 456,825 - - - - 456,825
c. Restructured loans*) - - - - - - - - - - - -
Pengurus Bank
Independent Commissioner : Loeke Larasati Agoestina investment (58,350) 3,842,221
Independent Commissioner : Muliadi Rahardja Mudharabah time deposits - unrestricted investment 5,055,959 (2,475,429)
i. Rupiah - - - - - - - - - - - - Net Cash (Used for)/Provided by Operating Activities (121,097,817) 7,683,141
ii. Foreign currencies - - - - - - - - - - - - Independent Commissioner : Heru Kristiyana
CASH FLOWS FROM INVESTING ACTIVITIES
8. Investments in shares 14,526,121 - 414,227 94,191 - 15,034,539 10,042,232 - 414,227 94,191 - 10,550,650 Independent Commissioner : Zainudin Amali*)
Decrease in marketable securities - other than at fair value through profit or loss 5,916,987 12,462,734
9. Other receivables - - - - - - - - - - - - Commissioner : Rionald Silaban Decrease/(increase) in government bonds - other than measured at fair value through
10. Commitments and contingencies Commissioner : Arif Budimanta profit or loss 29,491,466 (44,363,479)
a. Rupiah 1,067,967 153 - - - 1,068,120 435,732 130 - - - 435,862 Commissioner : Faried Utomo Proceeds from sale of fixed assets 239,846 7,013
b. Foreign currencies - - - - - - - - - - - - Acquisitions of fixed assets (1,172,607) (2,116,871)
Commissioner : Nawal Nely
II THIRD PARTIES Proceeds from sale of intangible assets (772,854) (457,917)
Commissioner : Muhammad Yusuf Ateh Acquisitions of right of use assets (1,285,717) (1,596,874)
1. Placements with other banks
Board of Directors Increase of investment in Subsidiaries (1,017,048) (1,057,671)
a. Rupiah 21,541,422 - - - - 21,541,422 27,854,185 - - - - 27,854,185
President Director : Darmawan Junaidi Net Cash Provided by/(Used for) Investing Activities 31,400,073 (37,123,065)
b. Foreign currencies 43,213,975 - - - - 43,213,975 50,122,638 - - - - 50,122,638
2. Spot and derivative receivables/ Deputy President Director : Alexandra Askandar CASH FLOWS FROM FINANCING ACTIVITIES
forward Receipts from marketable securities issued 15,079,460 1,225,667
Director of Risk Management : Ahmad Siddik Badruddin
a. Rupiah 2,615,861 - - - - 2,615,861 2,063,108 - - Payments of marketable securities issued (9,202,000) (3,882,040)
- - 2,063,108 Director of Compliance and Human Resources : Agus Dwi Handaya Receipts from fund borrowings 47,811,975 15,258,186
b. Foreign currencies 159,780 - - - - 159,780 125,948 - - - - 125,948 Director of Commercial Banking : Riduan Payments of fund borrowings (25,349,652) (9,883,125)
3. Securities
Director of Network and Retail Banking : Aquarius Rudianto Receipts from subordinated loans and marketable securities 100,000 -
a. Rupiah 197,614,152 - - - - 197,614,152 211,010,886 - - - - 211,010,886 Payments of subordinated loans and marketable securities (517,151) (12,900)
Director of Operation : Toni Eko Boy Subari
b. Foreign currencies 58,645,482 - - - - 58,645,482 58,846,733 - - - - 58,846,733 (Decrease)/increase in securities sold under agreement to repurchase liabilities (35,893) 25,744,544
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 Net Cash Provided by Financing Activities 3,184,357 11,633,439
a. Rupiah 17,992,369 - - - - 17,992,369 25,504,663 - - - - 25,504,663 Director of Finance and Strategy : Sigit Prastowo Decrease in Cash and Cash Equivalents (86,513,387) (17,806,485)
b. Foreign currencies 8,872,480 - - - - 8,872,480 7,661,034 - - - - 7,661,034 Effect of Exchange Rate Changes on Cash and Cash Equivalents (1,250,429) 3,047,667
Director of Information Technology : Timothy Utama
5. Securities purchased under Cash and Cash Equivalents at the Beginning of Period 274,889,544 193,631,712
agreement to resell (Reverse Repo) Director of Treasury and International Banking : Eka Fitria
Cash and Cash Equivalents at the End of Period 187,125,728 178,872,894
a. Rupiah 5,012,966 - - - - 5,012,966 7,397,180 - - - - 7,397,180 *) The appointment of member of the Board of Commissioners is effective after obtaining approval from
the Financial Services Authority based on Fit and Proper Test and in accordance with the applicable laws Cash and cash equivalents at the end of period consist of :
b. Foreign currencies - - - - - - 226,976 - - - - 226,976 and regulations. Cash 23,443,305 22,557,805
6. Acceptance receivables 12,639,592 90,146 - - - 12,729,738 8,522,789 116,116 2,143 - - 8,641,048
7. Loans and financing provided Shareholders Current accounts with Bank Indonesia 84,586,356 69,962,171
Current accounts with other banks 34,274,184 30,884,413
a. Micro, Small and Medium (UMKM) 115,650,296 4,600,321 575,240 760,328 493,520 122,079,705 108,553,909 3,797,782 364,477 1,007,555 302,405 114,026,128 Ultimate Shareholder Liquid short-term investments with maturity period of three months or less since the date
i. Rupiah 115,275,020 4,600,321 575,240 760,328 493,520 121,704,429 108,431,039 3,797,782 364,477 1,007,555 302,405 113,903,258 Republic of Indonesia 52.00% of acquisition 44,821,883 55,468,505
ii. Foreign currencies 375,276 - - - - 375,276 122,870 - - - - 122,870 Total Cash and Cash Equivalents 187,125,728 178,872,894
Non Ultimate Shareholder through Capital Market (≥ 5%) Nil
b. Non UMKM 832,529,811 43,849,376 1,675,968 6,194,801 4,052,389 888,302,345 733,388,738 37,799,589 1,031,104 5,413,181 12,240,560 789,873,172
i. Rupiah 613,575,186 30,534,038 1,675,968 4,760,495 1,813,695 652,359,382 531,556,773 25,998,924 1,031,104 4,533,368 8,279,050 571,399,219 Non Ultimate Shareholder through non Capital Market (≥ 5%) NOTES
ii. Foreign currencies 218,954,625 13,315,338 - 1,434,306 2,238,694 235,942,963 201,831,965 11,800,665 - 879,813 3,961,510 218,473,953 Indonesia Investment Authority 8.00%
1. The above financial information is extracted from the Interim Consolidated Financial Statements of PT Bank Mandiri (Persero)
c. Restructured loans *) 38,081,844 35,109,900 1,134,441 5,300,952 3,680,962 83,308,099 64,438,570 33,870,550 833,167 5,596,628 10,911,725 115,650,640
i. Rupiah 29,886,585 21,794,994 1,134,441 3,866,646 1,455,212 58,137,878 55,147,103 22,550,453 833,167 4,716,815 6,950,294 90,197,832
Awards Tbk. (“Bank”) and its Subsidiaries as of 30 September 2023 and for the nine months period then ended, as prepared by the
Bank's Management in accordance with Indonesian Financial Accounting Standards. The Consolidated Financial Statements
ii. Foreign currencies 8,195,259 13,314,906 - 1,434,306 2,225,750 25,170,221 9,291,467 11,320,097 - 879,813 3,961,431 25,452,808 of PT Bank Mandiri (Persero) Tbk. (“Bank”) and its Subsidiaries as of 31 December 2022 have been audited by KAP Tanudiredja,
Asiamoney Award 2023 AIBP Innovation Award
8. Investments in shares - - - - 34,117 34,117 - - - - 34,098 34,098 Wibisana, Rintis & Rekan (a member firm of PwC global network) with Lucy Luciana Suhenda, S.E., Ak., CPA, as partner in charge,
Best Bank for Digital Solution in AIBP Enterprise Innovation Awards an independent auditor, in accordance with Standards on Auditing established by the Indonesian Institute of Certified Public
9. Other receivables 25,791,037 491,732 - 2,050 1,219,630 27,504,449 31,422,026 635,271 15,522 - 1,203,825 33,276,644
Indonesia Forbes World's Best Bank 2023 Accountants with an unmodified audit opinion, as stated in the report dated 31 January 2023.
10. Commitments and contingencies
Alpha Southeast Asia Award 2023 The Best SOE Bank 2. The above published financial statements are presented to comply with the Financial Services Authority Regulation (FSAR) No.
a. Rupiah 217,811,367 2,228,353 277 55,047 63,257 220,158,301 191,452,219 1,794,206 33,652 36,903 174,374 193,491,354
Best Digital Bank Bisnis Indonesia Financial Award 2023 37/POJK.03/2019 dated 19 December 2019 regarding the Transparency and Published Financial Statements of the Bank and
b. Foreign currencies 131,750,288 6,566,097 - 2,316 4,397 138,323,098 113,561,829 5,068,780 7,748 2,670 12,977 118,654,004
Best Cash Management Bank The Most Popular Digital Banking App Circular Letter of Financial Services Authority (CLFSA) No. 9/SEOJK.03/2020 dated 30 June 2020 regarding the Transparency
III OTHER INFORMATION and Published Financial Statements of Coventional Bank's Report and Circular Letter of Financial Services Authority No. S-2/
Value of bank’s assets pledged as collateral:
Best Wealth Management Bank LinkedIn 2023 Top Companies
1. PB.11/2020 dated 20 January 2020 regarding Changes to Published Financial Statements and also in accordance with the FSAR
a. To Bank Indonesia - - The Digital Banker 2023 Top Indonesia Company To Grow Your Regulation No. 14/POJK.04/2022 dated 22 August 2022 regarding Submission of Periodic Financial Statements for Issuers or
b. To others Best Corporate Mobile Banking App Career Public Companies and LK No. Kep-346/BL/2011 dated 5 July 2011 regarding the Submission of Periodic Financial Statements
- -
2. Repossessed assets **) - 238,820
(Kopra Mobile) Euromoney Awards for Excellence for Issuers or Public Companies. Financial information and Statement of Cash Flows which included in the Published Financial
*) Include restructured loans due to Covid-19. ASEAN Energy Awards 2023 2023 Statements have been prepared in accordance with Bapepam and LK Regulation No. VIII.G.7, Attachment to Decision of
**) Repossessed assets are presented net after the allowance for impairment of assets. Energy Efficient Building – Plaza Mandiri Indonesia’s Best Bank 2023 Chairman of Bapepam and LK No. Kep-347/BL/2012 dated 25 June 2012.
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 regarding the Amendment of Financial Services Authority Regulation
Allowance for Impairment (CKPN) and Asset Quality Assessment (PPKA) No. 38/POJK.03/2019 dated 19 December 2019 regarding the Amendment of Financial Services Authority Regulation No. 32/
As of 30 September 2023 and 2022 (In Millions of Rupiah) POJK.03/2018 regarding The Legal Lending Limit and Provisions of Large Fund for Commercial Banks.
(In Millions of Rupiah) 4. Exchange rate of 1 US Dollar as at 30 September 2023, 31 December 2022 and 30 September 2022 were Rp15,455.00,
INDIVIDUAL
Rp15,567.50 and Rp15,227.50, respectively.
30 September 2023 30 September 2022
Allowance for Asset Quality Allowance for Asset Quality
Allowance for Impairment (CKPN) Allowance for Impairment (CKPN)
NO DESCRIPTION Assessment (PPKA) Assessment (PPKA)
Total Total Total Total Jakarta, 30 October 2023
Allowance General Allowance for Stage 1 Allowance Specific Allowance for
Stage 1 Stage 2 Stage 3 Specific Stage 2 Stage 3 General S. E & O
for Asset Quality for Asset Quality
Impairment Assessment Impairment Assessment Board of Directors
1. Placements with other banks 12,650 - - 12,650 354,771 - 354,771 10,622 - - 10,622 417,846 - 417,846 PT Bank Mandiri (Persero) Tbk.
2. Spot and derivative receivables/forward - - - - 26,843 - 26,843 - - - - 21,787 - 21,787
3. Securities *) 15,969 - - 15,969 389,720 - 389,720 31,129 - - 31,129 387,628 - 387,628
4. Securities sold under agreement to repurchase (Repo) - - - - 7,321 - 7,321 - - - - 7,263 - 7,263
5. Securities purchased under agreement to resell (Reverse Repo) - - - - 310 - 310 - - - - 50,443 - 50,443
6. Acceptance receivables 30,949 176,974 - 207,923 126,462 4,507 130,969 26,256 125,059 2,143 153,458 85,269 6,128 91,397
7. Loans and financing provided *) 11,264,624 24,607,417 10,843,192 46,715,233 9,538,414 10,783,643 20,322,057 11,666,089 26,574,218 21,298,301 59,538,608 8,458,295 18,043,688 26,501,983
8. Investments in shares 30 - 79,055 79,085 145,261 143,347 288,608 30 - 79,834 79,864 30 143,327 143,357
9. Other receivables 38,554 931,202 1,221,878 2,191,634 257,910 1,245,242 1,503,152 79,611 204,535 1,219,348 1,503,494 314,220 1,237,918 1,552,138 Darmawan Junaidi Sigit Prastowo
10. Commitments and contingencies 460,577 645,166 98,332 1,204,075 1,886,754 426,191 2,312,945 427,590 1,164,820 197,766 1,790,176 1,726,468 487,984 2,214,452 President Director Director of Finance and Strategy
TOTAL 11,823,353 26,360,759 12,242,457 50,426,569 12,733,766 12,602,930 25,336,696 12,241,327 28,068,632 22,797,392 63,107,351 11,469,249 19,919,045 31,388,294
*) 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 Authority (OJK) and an insured member of Deposit Insurance Corporation (LPS). www.bankmandiri.co.id https://bmri.id/quarterlyfinancials
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