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The Jakarta Post MONDAY July 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 June 2023 and 31 December 2022 (In Millions of Rupiah) For the Periods Ended 30 June 2023 and 2022 (In Millions of Rupiah) As of 30 June 2023 and 2022 (In Millions of Rupiah)
INDIVIDUAL CONSOLIDATED INDIVIDUAL CONSOLIDATED 30 June 2023 30 June 2022
NO DESCRIPTION 31 December 2022 31 December 2022 NO DESCRIPTION NO COMPONENTS OF CAPITAL
30 June 2023 30 June 2023 30 June 2023 30 June 2022 30 June 2023 30 June 2022 Individual Consolidated Individual Consolidated
(Audited) (Audited)
ASSETS OPERATING INCOME AND EXPENSES I CORE CAPITAL TIER 1 180,543,177 226,410,700 160,862,626 194,049,928
1. Cash 20,260,497 20,852,885 27,681,721 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) 180,543,177 226,410,700 160,862,626 194,049,928
2. Placements with Bank Indonesia 94,305,902 147,516,206 130,182,544 183,931,076 1. Interest and Sharia Income 47,222,473 38,683,531 64,190,738 52,934,276 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 34,136,896 63,963,932 37,664,439 66,552,179 1.2 Disclosed Reserves 196,453,575 216,449,834 172,790,095 188,585,406
2. Interest and Sharia Expenses 12,188,588 7,766,608 16,883,801 11,101,545
4. Spot and derivative receivables/forward 1,926,147 2,250,716 1,933,859 2,275,250 1.2.1 Additional Factor 200,071,313 220,553,568 177,463,488 194,112,435
Net Interest Income and Sharia Income
5. Securities*) 262,516,972 280,079,709 360,332,279 385,062,705 (Expenses) 35,033,885 30,916,923 47,306,937 41,832,731 1.2.1.1 Other comprehensive income 35,148,014 35,376,753 29,994,846 30,488,918
6. Securities sold under agreement to 1.2.1.1.1 Excess differences arising from translation of
repurchase (Repo) 23,796,464 26,016,689 24,016,511 26,127,217 3. Premium Income - - 6,699,241 7,639,607
financial statements 30,616 30,616 79,960 326,798
7. Securities purchased under agreement to 4. Claim Expenses - - 5,753,661 6,264,759 1.2.1.1.2 Potential gain of the increase in the fair value of
resell (Reverse Repo) 11,093,351 6,312,523 16,950,374 11,705,989 Net Premium Income (Claim Expenses) - - 945,580 1,374,848 financial assets measured at fair value through
8. Acceptance receivables 9,467,556 11,357,879 9,528,060 11,781,581 Net Interest and Sharia Income (Expenses) and other comprehensive income 629,444 629,444 989 22,308
9. Loans 984,680,624 932,639,051 1,238,806,037 1,172,599,882 Net Premium Income (Claim Expenses) 35,033,885 30,916,923 48,252,517 43,207,579 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 - - 27,749,559 23,757,727 B Other Operating Income and Expenses 1.2.1.2 Other disclosed reserves 164,923,299 185,176,815 147,468,642 163,623,517
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 15,068,662 15,068,650 2,820,742 2,757,594 of financial assets 674,699 1,401,067 891,441 1,363,804 1.2.1.2.2 General reserves 2,333,333 2,342,132 2,333,333 2,333,333
13. Others financials assets 39,107,640 43,883,587 40,811,865 45,339,316 2. 1.2.1.2.3 Previous years profit 120,645,971 139,959,532 107,655,927 123,437,710
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 23,002,445 25,231,887 18,537,832 20,209,210
assets -/-
3. 1.2.1.2.5 Funds for paid-in capital - - - -
Gain (loss) from sale of financial assets 636,586 786,363 832,567 839,047
a. Securities (11,136) (17,834) (42,013) (39,268) 1.2.1.2.6 Others - - - -
b. Loans and sharia financing **) (51,165,440) (54,267,417) (62,902,475) (65,362,179) 4. Gain (loss) from spot and derivative transaction/ 1.2.2 Deduction Factor (3,617,738) (4,103,734) (4,673,393) (5,527,029)
forward (realised) (81,143) 76,649 (22,991) 100,878
c. Others (2,496,290) (1,714,720) (2,546,064) (1,761,117) 1.2.2.1 Other comprehensive income (3,037,963) (2,561,460) (4,334,051) (4,309,462)
5. Gain (loss) from investment in shares under equity
15. Intangible assets 9,542,511 9,270,638 12,210,168 11,712,040 1.2.2.1.1 Negative differences arising from translation of
method - - - - financial statements (398,261) (140,141) (396,412) (396,412)
Accumulated amortisation for intangible
assets -/- (5,992,903) (5,597,283) (7,151,260) (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 ***) 67,350,423 66,392,486 79,407,109 77,969,898 7. Dividend income 564,549 384,794 - - value of financial assets measured at fair value
Accumulated depreciation for premises and 8. through other comprehensive income (2,639,702) (2,421,319) (3,937,639) (3,913,050)
Comissions/provisions/fees and administrative 7,554,833 6,824,324 9,420,597 8,333,648
equipment -/- (17,211,140) (16,185,489) (22,939,650) (21,429,332) 1.2.2.2 Other disclosed reserves (579,775) (1,542,274) (339,342) (1,217,567)
9. Other income 4,968,742 3,376,386 7,301,647 5,515,349
17. Non earning assets 1.2.2.2.1 Disagio - - - -
10. Impairment for financial assets 4,901,147 5,054,352 7,557,161 7,402,951 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 (1,685) 18,468 8,857 18,468 1.2.2.2.3 Current year loss - - - -
c. Suspense account - net 10,937,343 2,089,953 10,937,343 2,089,953 12. Salaries and employee benefits 7,806,018 7,746,505 11,750,610 11,749,360 1.2.2.2.4 Negative differences in allowance for possible
13. losses and allowance for impairment on
d. Interoffice assets - - - - Promotion expenses 257,183 315,710 614,193 547,946 earning assets - - - -
18. Lease financing - - 5,520,446 5,872,560 14. Other expenses 8,136,047 7,595,205 12,327,064 11,914,055 1.2.2.2.5 Negative differences in amounts and financial
19. Other assets 20,827,244 20,419,902 33,006,474 30,997,885 Other Operating Income (Expenses) - net (6,780,444) (7,880,657) (13,834,624) (15,480,054) instruments in trading book and adjusment
TOTAL ASSETS 1,528,141,323 1,570,332,063 1,963,987,471 1,992,544,687 amounts based on financial accounting standards - - - -
PROFIT (LOSS) FROM OPERATIONS 28,253,441 23,036,266 34,417,893 27,727,525
LIABILITIES AND EQUITY 1.2.2.2.6 Required allowance for non earning assets (579,775) (1,542,274) (339,342) (1,217,567)
LIABILITIES NON OPERATING INCOME AND EXPENSES 1.2.2.2.7 Others - - - -
1. Demand deposits ****) 459,269,078 497,991,237 497,628,982 541,801,050 1. Gain (loss) from sale of premises and equipment 1,231 276 5,269 282 1.3 Non controlling interest - 20,208,473 - 15,049,283
2. Saving deposits ****) 433,161,214 428,366,948 552,434,441 552,752,472 2. Other non operating income (expenses) 30,944 6,754 16,154 29,818 1.4 Deduction Factor of CET 1 (27,577,065) (21,914,274) (23,594,136) (21,251,428)
3. Time deposits ****) 248,512,359 266,806,141 380,066,173 396,291,070 PROFIT (LOSS) FROM NON OPERATING 32,175 7,030 21,423 30,100 1.4.1 Deferred tax (9,040,842) (11,293,990) (9,557,848) (11,395,316)
4. Electronic money 1,811,815 1,754,492 1,811,815 1,754,492 PROFIT (LOSS) CURRENT PERIOD BEFORE TAX 28,285,616 23,043,296 34,439,316 27,757,625 1.4.2 Goodwill - (482,091) - (482,091)
5. Fund from Bank Indonesia - - 14,901,780 - 1.4.3 Intangible assets (3,549,608) (4,255,054) (3,531,949) (4,042,653)
Income tax expenses
6. Fund from other banks ****) 17,104,793 13,419,651 18,127,447 15,781,347 1.4.4 Investments in shares calculated as deduction (14,986,615) (5,883,139) (10,504,339) (5,331,368)
a. Estimated current tax (4,804,058) (4,334,048) (6,286,257) (5,484,094)
7. Spot and derivative liabilities/forward 1,643,071 2,150,170 1,643,290 2,150,170 1.4.5 Shortfall of capital in insurance subsidiaries - - - -
b. Deferred tax income (expenses) (479,113) (171,416) (449,458) (229,223) 1.4.6 Securitisation exposure - - - -
8. Securities sold under repurchase
agreements liabilities (Repo) 22,250,878 24,228,547 22,452,251 24,325,475 PROFIT (LOSS) CURRENT PERIOD 23,002,445 18,537,832 27,703,601 22,044,308 1.4.7 Other deduction of CET 1 - - - -
9. Acceptance liabilities 9,467,556 11,357,879 9,528,060 11,781,581 PROFIT (LOSS) MINORITY INTEREST - - 2,471,714 1,835,098 1.4.7.1 Placement of funds in instrumen AT 1 and/or Tier 2 to
10. Securities issued 40,067,611 36,370,874 50,053,521 46,209,505 other banks - - - -
OTHER COMPREHENSIVE INCOME 1.4.7.2 Cross-ownership in another entity acquired by the transi-
11. Fund borrowings 47,675,487 41,862,329 71,255,832 62,973,682
1. Items that will not be reclassified to profit or loss tion due to law, grants, or grants will - - - -
12. Margin deposits received 1,074,879 944,783 1,074,880 944,783
a. Gain from premises and equipment revaluation - - - - 1.4.7.3 Exposures that give rise to credit risk due the settlement
13. Interoffice liabilities 65,253 124,781 65,253 124,781
b. Gain (loss) from remeasurement of defined risk - Non Delivery Versus Payment - - - -
14. Liability to unit-link holders - - 29,491,904 29,710,227
1.4.7.4 Exposures in Subsidiaries that do business activity based
benefit program - - (53,553) (1,721)
15. Other liabilities 35,796,392 33,711,642 58,205,273 53,698,597 on sharia principles (if available) - - - -
c. Others - - - -
16. Minority interest - - 24,237,075 22,566,669 2. Additional Tier 1 (AT 1) - - - -
TOTAL LIABILITIES 1,317,900,386 1,359,089,474 1,732,977,977 1,762,865,901 2. Items that will be reclassified to profit or loss
2.1 Instrument which comply with AT 1 requirements - - - -
EQUITY a. Gain (loss) from translation of financial 2.2 Agio/Disagio - - - -
17. Share capital statements in foreign currencies (5,891) (23,429) (49,100) 19,372
2.3 Deduction factor of AT 1 - - - -
a. Authorised capital 16,000,000 16,000,000 16,000,000 16,000,000 b. Gain (loss) from changes in the fair value of
financial assets measured at fair value assets 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 704,176 (5,488,479) 1,008,257 (5,806,365) other banks - - - -
c. Treasury stock -/- - - - - 2.3.2 Cross-ownership in another entity acquired by the transi-
c. Others - - 6,296 (4,600) tion due to law, grants, or grants will - - - -
18. Additional paid-in capital
Other comprehensive income current period
a. Agio 18,941,550 18,941,550 17,643,264 17,643,264 after income tax 698,285 (5,511,908) 911,900 (5,793,314) II SUPPLEMENTAL CAPITAL TIER 2 11,332,204 13,798,572 10,068,457 12,471,352
b. Disagio -/- - - - - 1. Capital Instrument in the form of stock or others which comply
TOTAL OTHER COMPREHENSIVE INCOME
c. Funds for paid-up capital - - - - CURRENT PERIOD 23,700,730 13,025,924 28,615,501 16,250,994 with Tier 2 requirements 128,905 243,488 243,543 633,126
d. Others - - - - 2. Agio/Disagio - - - -
Profit (loss) current period attributable to :
19. Other comprehensive income 3. General provision on earning assets (max. 1.25% credit risk -
a. Gain 36,028,874 36,028,874 36,781,292 36,973,371 PARENT ENTITY 23,002,445 18,537,832 25,231,887 20,209,210 weighted assets) 11,203,299 13,555,084 9,824,914 11,838,226
b. Losses -/- (2,377,903) (3,076,188) (2,615,280) (3,599,747) NON CONTROLLING INTEREST 2,471,714 1,835,098 4. Deduction supplemental capital - - - -
20. Reserve TOTAL PROFIT (LOSS) CURRENT PERIOD 23,002,445 18,537,832 27,703,601 22,044,308 4.1 Sinking Fund - - - -
Total comprehensive profit (loss) current 4.2 Placement of funds in instrument AT 1 and/or Tier 2 to
a. General reserve 2,333,333 2,333,333 2,342,132 2,342,132 other banks - - - -
b. Appropriated reserve - - - - period attributable to :
PARENT ENTITY 23,700,730 13,025,924 26,024,275 14,533,792 4.3 Cross-ownership in another entity acquired by the transition
21. Retained earning due to law, grants, or grants will - - - -
a. Previous years *****) 145,348,353 124,472,820 164,661,914 140,299,355 NON CONTROLLING INTEREST 2,591,226 1,717,202 TOTAL CAPITAL 191,875,381 240,209,272 170,931,083 206,521,280
b. Current year 23,002,445 37,692,426 25,231,887 41,170,637 TOTAL COMPREHENSIVE PROFIT (LOSS)
CURRENT PERIOD 23,700,730 13,025,924 28,615,501 16,250,994 30 June 2023 30 June 2022 30 June 2023 30 June 2022
c. Paid dividend -/- (24,702,382) (16,816,893) (24,702,382) (16,816,893)
TOTAL EQUITY ATTRIBUTABLE TO OWNER 210,240,937 211,242,589 231,009,494 229,678,786 TRANSFER PROFIT (LOSS) TO HEAD OFFICE - - - - Individual Consolidated Individual Consolidated Individual Consolidated Individual Consolidated
TOTAL EQUITY 210,240,937 211,242,589 231,009,494 229,678,786 DIVIDEND - - - - RISK WEIGHTED ASSETS CAR
TOTAL LIABILITIES DAN EQUITY 1,528,141,323 1,570,332,063 1,963,987,471 1,992,544,687 EARNINGS PER SHARE (in Rupiah) 328.61 397.37 360.46 433.20 Credit Risk - Weighted
*) Including Securities owned by Subsidiary which classified "At Cost" in accordance with SFAS 110 "Accounting for Sukuk" which has effective since 1 January 2012. Assets 896,263,910 1,084,406,688 785,993,109 947,058,043 CET 1 Ratio (%) 18.78% 19.51% 17.33% 17.13%
**) Including allowance for impairment for consumer financing receivables and lease financing. Market Risk - Weighted
***) Including right of use assets. Statements of Commitments and Contingencies Assets 6,488,268 7,639,119 8,653,144 9,236,963 Tier 1 Ratio (%) 18.78% 19.51% 17.33% 17.13%
****) Consolidated balance includes temporary syirkah funds from a Subsidiary.
*****) 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 June 2023 and 31 December 2022 (In Millions of Rupiah) Operational Risk -
Weighted Assets 58,720,278 68,332,364 133,826,964 176,860,816 Tier 2 Ratio (%) 1.18% 1.19% 1.08% 1.10%
INDIVIDUAL CONSOLIDATED Total Risk Weighted Capital Adequacy
Statements of Financial Ratios NO DESCRIPTION Assets 961,472,456 1,160,378,171 928,473,217 1,133,155,822 Ratio (%) 19.96% 20.70% 18.41% 18.23%
As of 30 June 2023 and 2022 (In %) 31 December 2022 31 December 2022
30 June 2023 30 June 2023 CAR BASED ON RISK CET 1 FOR
(Audited) (Audited)
PROFILE % 9.68% 9.70% 9.83% 9.89% BUFFER (%) 10.28% 11.00% 8.58% 8.34%
NO RATIOS 30 June 2023 30 June 2022 NO RATIOS 30 June 2023 30 June 2022 I COMMITMENT RECEIVABLES
CAPITAL ALLOCATION FOR CAR BASED ON RISK PROFILE PERCENTAGE OF BUFFER MANDATORY FULFILLED BY BANK
1. Unused fund borrowings/financing facilities - - - - Capital Conservation
PERFORMANCE RATIOS COMPLIANCE 2. Outstanding purchase position of spot and From CET 1 (%) 8.50% 8.51% 8.75% 8.79% Buffer (%) 2.50% 2.50% 2.50% 2.50%
1. Capital Adequacy Ratio (CAR) 19.96% 18.41% 1. a. Percentage violation of derivative/forward 209,581,660 216,072,362 211,342,465 216,413,578 Countercyclical
2. Non-performing earning assets and Legal Lending Limit 3. Others - - - - From AT 1 (%) - - - - Buffer (%) 0.00% 0.00% 0.00% 0.00%
non-performing non-earning assets Capital Surcharge for
i. Related parties 0.00% 0.00% From Tier 2 (%) 1.18% 1.19% 1.08% 1.10% Systemic Bank (%) 2.50% 2.50% 2.50% 2.50%
to total earning assets and non- II COMMITMENT PAYABLES
ii. Third parties 0.00% 0.00%
earning assets 0.96% 1.49% 1. Unused loan/financing facilities granted to customers
b. Percentage of excess of
3. Non-performing earning assets to i. Committed 56,378,516 47,765,747 56,381,392 47,580,488
total earning assets 0.96% 1.47%
Legal Lending Limit Statements of Cash Flows
i. Related parties 0.00% 0.00% ii. Uncommitted 168,452,338 149,441,920 169,311,211 149,954,493
4. Allowance for impairment on For the Periods Ended 30 June 2023 and 2022 (In Millions of Rupiah)
financial assets to earning assets ii. Third parties 0.00% 0.00% 2. Outstanding irrevocable letters of credit 19,787,241 28,135,050 19,942,072 28,317,281
3.82% 4.72%
2. Reserve requirement 3. Outstanding sales position of spot and derivative/ CONSOLIDATED
5. Gross NPL 1.53% 2.47% forward 211,073,688 219,886,630 214,389,068 222,031,188 DESCRIPTION
a. Primary reserve
6. Net NPL 0.29% 0.33% 4. Others 30 June 2023 30 June 2022
requirement Rupiah 7.69% 5.85% - - - -
7. Return on Asset (ROA) 3.72% 3.38% i. Daily 0.00% 0.00% III CONTINGENT RECEIVABLES CASH FLOWS FROM OPERATING ACTIVITIES
8. Return on Equity (ROE) 25.78% 23.03% ii. Average 7.69% 5.85% Receipts from interest income 53,325,378 43,209,757
1. Guarantees received 25,618,506 27,815,004 25,846,767 28,052,019
b. Reserve requirement Receipts from sharia income 8,900,943 7,490,329
9. Net Interest Margin (NIM) 5.30% 5.06% 2. Others 34,295 34,355 34,295 34,355
foreign currencies 4.10% 4.10% Receipts from fees, commissions and premiums 15,923,646 15,744,947
10. Operating Expenses to Payments of insurance claim expenses (5,753,661) (6,264,759)
Operating Income 54.09% 55.30% i. Daily 2.00% 2.00% IV CONTINGENT PAYABLES
1. Guarantees issued Payments of interest expenses (14,015,838) (9,094,675)
11. Cost to Income Ratio (CIR) 32.82% 35.82% ii. Average 2.10% 2.10% 116,188,160 120,128,031 118,914,408 122,836,819
Payments of sharia expenses (2,754,774) (1,816,519)
12. Loan to Deposit Ratio (LDR) 85.68% 84.79% 3. Net Open Position-overall 1.34% 5.54% 2. Others 2,724,282 2,154,323 2,724,282 2,154,323 Receipts from the sale of government bonds - fair value through profit or loss 100,645,768 175,601,041
Acquisitions of government bonds - fair value through profit or loss (103,280,055) (177,844,735)
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 3,333,661 3,365,662
As of 30 June 2023 and 2022 (In Millions of Rupiah) As of 30 June 2023 (In Millions of Rupiah) Other operating income - others 2,250,840 2,253,259
INDIVIDUAL INDIVIDUAL Other operating expenses - others (5,184,795) (6,676,598)
30 June 2023 30 June 2022 NOTIONAL Derivative Receivables Salaries and employee benefits (14,571,054) (13,303,195)
NO DESCRIPTION NO TRANSACTION Type General and administrative expenses (7,493,234) (7,172,091)
Special Sub Special Sub AMOUNT & Payables
Current Doubtful Loss Total Current Doubtful Loss Total Non-operating income - net 16,154 29,819
Mention Standard Mention Standard Trading Hedging Receivables Payables
I RELATED PARTIES Payment of corporate income tax (7,178,288) (6,299,174)
A. Exchange Rate Related
1. Placements with other banks Cash Flows from Operating Activities Before Changes in Operating Assets and Liabilities 24,164,691 19,223,068
1. Spot 3,769,997 3,769,997 - 3,830 2,229
a. Rupiah 22 - - - - 22 22 - - - - 22
Decrease/(Increase) in Operating Assets:
2. Forward 42,558,463 42,558,463 - 147,363 170,624 Placements with Bank Indonesia and other banks (466,529) 1,470,492
b. Foreign currencies 1,091,035 - - - - 1,091,035 892,014 - - - - 892,014 3. Option Marketable securities - fair value through profit or loss 2,955,784 6,335,911
2. Spot and derivative receivables/ a. Written 2,874,564 2,424,789 449,775 2,464 16,807
forward Other receivables - trade transactions 4,651,842 2,162,691
b. Purchased 6,832,967 6,832,967 - 55,296 - Loans (59,492,456) (72,093,159)
a. Rupiah - - - - - - - - - - - -
4. Future - - - - - Sharia financing (15,464,212) (21,130,572)
b. Foreign currencies - - - - - - - - - - - -
5. Swap 102,388,874 91,327,059 11,061,815 580,504 357,683 Securities purchased under agreement to resell (5,244,385) 22,399,746
3. Securities
6. Others - - - - - Consumer financing receivables (4,391,633) (1,794,039)
a. Rupiah 64,459 - - - - 64,459 15,759 - - - - 15,759 Net investment in lease financing 302,818 (808,374)
b. Foreign currencies - - - - - - - - - - - - B. Interest Rate Related
Prepaid taxes (104,333) 902,196
4. Securities sold with agreement to 1. Forward - - - - - Prepaid expenses (1,103,123) (523,879)
repurchase (Repo) 2. Option Other assets (10,616,440) (5,234,448)
a. Rupiah - - - - - - - - - - - - a. Written - - - - - Proceeds from collection of financial assets already written-off 5,072,606 3,475,034
b. Foreign currencies - - - - - - - - - - - - b. Purchased - - - - - Increase/(Decrease) in Operating Liabilities and Temporary Syirkah Funds:
5. Securities purchased with agreement 3. Future - - - - - Conventional Banking
to resell (Reverse Repo) 4. Swap 41,463,682 39,116,232 2,347,450 790,501 651,064 Demand deposits (43,273,003) (5,919,131)
a. Rupiah - - - - - - - - - - - - 5. Others 25,926,558 25,926,558 - 210,926 400,505 Saving deposits 3,005,879 32,232,012
b. Foreign currencies - - - - - - - - - - - - C. Others 4,038,050 4,038,050 - 135,263 44,159 Time deposits (15,550,897) 1,419,745
6. Acceptance receivables 256 - - - - 256 1,969 - - - - 1,969 Interbank call money 1,537,110 1,328,382
TOTAL 229,853,155 215,994,115 13,859,040 1,926,147 1,643,071
7. Loans and financing provided Obligation due immediately 863,578 917,019
a. Micro, Small and Medium loans Liability to unit-link policyholders (218,323) (754,735)
(UMKM) - - - - - - - - - - - -
Management of The Bank Other taxes payable (484,265) 22,309
i. Rupiah - - - - - - - - - - - - Board of Commissioners Other liabilities 11,688,867 10,734,680
ii. Foreign currencies - - - - - - - - - - - - Sharia Banking - Temporary Syirkah Funds
President Commissioner/Independent : Muhamad Chatib Basri
b. Non UMKM 5,383,436 1,329 - - - 5,384,765 4,111,416 4,431 - - - 4,115,847 Demand deposits - restricted investment and demand deposit - mudharabah musytarakah (1,870,676) 3,248,455
Deputy President Commissioner/Independent : Andrinof A. Chaniago Saving deposits - restricted investment and mudharabah saving deposit - unrestricted
i. Rupiah 4,933,661 1,329 - - - 4,934,990 3,664,491 4,431 - - - 3,668,922
ii. Foreign currencies 449,775 - - - - 449,775 446,925 - - - - 446,925
Pengurus Bank
Independent Commissioner : Loeke Larasati Agoestina investment (2,852,501) 2,797,862
Independent Commissioner : Muliadi Rahardja Mudharabah time deposits - unrestricted investment 635,994 973,878
c. Restructured loans*) - - - - - - - - - - - - Net Cash (Used for)/Provided by Operating Activities (106,253,607) 1,385,143
i. Rupiah - - - - - - - - - - - - Independent Commissioner : Heru Kristiyana*)
CASH FLOWS FROM INVESTING ACTIVITIES
ii. Foreign currencies - - - - - - - - - - - - Independent Commissioner : Zainudin Amali*)
Decrease in marketable securities - other than at fair value through profit or loss 13,235,891 4,314,659
8. Investments in shares 14,526,121 - 414,227 94,191 - 15,034,539 10,042,232 - 414,227 94,192 - 10,550,651 Commissioner : Rionald Silaban Decrease/(increase) in government bonds - other than measured at fair value through
9. Other receivables - - - - - - - - - - - - Commissioner : Arif Budimanta profit or loss 15,647,478 (42,521,912)
10. Commitments and contingencies Commissioner : Faried Utomo Proceeds from sale of fixed assets 5,441 7,614
a. Rupiah 395,605 1,307 - - - 396,912 421,176 261 - - - 421,437 Acquisitions of fixed assets (460,567) (774,082)
Commissioner : Nawal Nely
b. Foreign currencies - - - - - - - - - - - - Proceeds from sale of intangible assets (475,756) (247,124)
Commissioner : Muhammad Yusuf Ateh Acquisitions of leased assets (812,035) (1,129,855)
II THIRD PARTIES
1. Placements with other banks
Board of Directors Increase of investment in Subsidiaries (872,766) (1,055,947)
President Director : Darmawan Junaidi Net Cash Provided by/(Used for) Investing Activities 26,267,686 (41,406,647)
a. Rupiah 14,731,279 - - - - 14,731,279 14,140,357 - - - - 14,140,357
b. Foreign currencies 53,667,215 - - - - 53,667,215 36,476,729 - - - - 36,476,729 Deputy President Director : Alexandra Askandar CASH FLOWS FROM FINANCING ACTIVITIES
2. Spot and derivative receivables/ Receipts from marketable securities issued 6,700,334 1,415,850
Director of Risk Management : Ahmad Siddik Badruddin
forward Payments of marketable securities issued (2,075,000) (1,972,836)
Director of Compliance and HR : Agus Dwi Handaya Receipts from fund borrowings 34,028,143 8,128,373
a. Rupiah 1,789,073 - - - - 1,789,073 1,425,140 - - - - 1,425,140
Director of Commercial Banking : Riduan Payments of fund borrowings (11,558,078) (7,085,146)
b. Foreign currencies 137,074 - - - - 137,074 109,611 - - - - 109,611
Director of Network and Retail Banking : Aquarius Rudianto Receipts from subordinated loans and marketable securities 100,000 -
3. Securities
Director of Operation : Toni Eko Boy Subari Payments of subordinated loans and marketable securities (11,979) (7,989)
a. Rupiah 209,579,923 - - - - 209,579,923 230,155,347 41,538 - - - 230,196,885
(Decrease)/increase in securities sold under repurchase agreements liabilities (1,364,234) 14,424,574
b. Foreign currencies 52,872,590 - - - - 52,872,590 56,630,459 - - - - 56,630,459 Director of Corporate Banking : Susana Indah Kris Indriati
Payments of dividends (24,702,382) (16,816,893)
4. Securities sold with agreement to Director of Institutional Relationship : Rohan Hafas Net Cash Provided by/(Used for) Financing Activities 1,116,804 (1,914,067)
repurchase (Repo)
Director of Finance and Strategy : Sigit Prastowo Decrease in Cash and Cash Equivalents (78,869,117) (41,935,571)
a. Rupiah 14,628,537 - - - - 14,628,537 14,613,344 - - - - 14,613,344
Director of Information Technology : Timothy Utama Effect of Exchange Rate Changes on Cash and Cash Equivalents (3,214,722) 2,246,601
b. Foreign currencies 9,167,927 - - - - 9,167,927 6,428,315 - - - - 6,428,315
Director of Treasury and International Banking : Eka Fitria**) Cash and Cash Equivalents at the Beginning of Period 274,889,544 193,631,712
5. Securities purchased with agreement
Cash and Cash Equivalents at the End of Period 192,805,705 153,942,742
to resell (Reverse Repo) *) The appointment of member of the Board of Commissioners is effective after obtaining approval from
a. Rupiah 11,093,351 - - - - 11,093,351 1,496,326 - - - - 1,496,326 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 :
and regulations. Cash
b. Foreign currencies - - - - - - - - - - - - **) The appointment of member of the Board of Directors is effective after obtaining approval from the Financial 27,681,721 22,505,848
6. Acceptance receivables 9,400,539 60,627 - 6,134 - 9,467,300 12,391,406 400,369 2,899
Services Authority based on Fit and Proper Test and in accordance with the applicable laws and regulations. Current accounts with Bank Indonesia 89,917,101 66,735,705
- - 12,794,674
Current accounts with other banks 27,364,451 21,716,129
7. Loans and financing provided Shareholders Liquid short-term investments with maturity period of three months or less since the date
a. Micro, Small and Medium loans
(UMKM) 113,117,487 4,731,641 624,174 869,950 331,022 119,674,274 108,665,225 4,789,049 393,591 623,081 Ultimate Shareholder of acquisition 47,842,432 42,985,060
459,255 114,930,201
Republic of Indonesia 52.00% Total Cash and Cash Equivalents 192,805,705 153,942,742
i. Rupiah 112,746,853 4,731,641 624,174 869,950 331,022 119,303,640 108,406,341 4,789,049 393,591 623,081 459,255 114,671,317
ii. Foreign currencies 370,634 - - - - 370,634 258,884 - - - - 258,884 Non Ultimate Shareholder through Capital Market (≥ 5%) Nil
NOTES
b. Non UMKM 801,404,585 45,098,116 1,545,446 5,127,282 6,446,156 859,621,585 713,204,676 38,566,269 2,502,064 5,227,796 12,575,917 772,076,722
Non Ultimate Shareholder through non Capital Market (≥ 5%) 1. The above financial information is extracted from the interim Consolidated Financial Statements of PT Bank Mandiri (Persero)
i. Rupiah 589,955,626 31,271,553 1,545,446 4,622,810 4,204,302 631,599,737 522,130,983 26,505,746 1,839,418 4,722,192 9,034,642 564,232,981
Indonesia Investment Authority 8.00% Tbk. (“Bank”) and its Subsidiaries as of 30 June 2023 and for the six months period then ended, as prepared by the Bank's
ii. Foreign currencies 211,448,959 13,826,563 - 504,472 2,241,854 228,021,848 191,073,693 12,060,523 662,646 505,604 3,541,275 207,843,741
Management in accordance with Indonesian Financial Accounting Standards. The Consolidated Financial Statements of PT
c. Restructured loans*) 38,252,091 36,985,215 1,160,689 4,379,579 6,067,375 86,844,949 69,586,189 36,072,446 2,317,661 4,582,520 11,237,685 123,796,501 Awards Bank Mandiri (Persero) Tbk. (“Bank”) and its Subsidiaries as of 31 December 2022 have been audited by KAP Tanudiredja,
i. Rupiah 33,441,974 23,159,496 1,160,689 3,876,321 3,836,908 65,475,388 57,690,039 24,484,149 1,655,015 4,076,916 7,696,488 95,602,607 Wibisana, Rintis & Rekan (a member firm of PwC global network) with Lucy Luciana Suhenda, S.E., Ak., CPA, as partner in charge,
ii. Foreign currencies 4,810,117 13,825,719 - 503,258 2,230,467 21,369,561 11,896,150 11,588,297 662,646 505,604 3,541,197 28,193,894 Forbes Global 2000 World's The Banker’s Top 30 Asean Banks 2023 an independent auditor, in accordance with Standards on Auditing established by the Indonesian Institute of Certified Public
8. Investments in shares - - - - 34,123 34,123 - - - 32,067 2,040 34,107 Best Bank 2023 Rank 2 in Indonesia Accountants with an unmodified audit opinion, as stated in the report dated 31 January 2023.
Bank Mandiri as Rank 1 for SOE Bank Bisnis Indonesia Award (BIA) 2023
9. Other receivables 27,742,753 266,115 18,116 - 1,187,500 29,214,484 25,844,658 1,021,686 12,195 - 1,180,900 28,059,439 2. The above Published Financial Statements are presented to comply with the Financial Services Authority Regulation (FSA)
10. Commitments and contingencies
LinkedIn Top Companies 2023 Best SOE Bank No. 37/POJK.03/2019 dated 19 December 2019 regarding the Transparency and Published Financial Statements of the Bank and
Top Companies 2023: The Best Workplace Asia Banking & Finance Awards Circular Letter of Financial Services Authority No. 9/SEOJK.03/2020 dated 30 June 2020 regarding the Transparency and Published
a. Rupiah 213,132,641 1,156,614 2,871 99,994 176,172 214,568,292 182,681,000 1,826,559 35,452 8,244 186,509 184,737,764 to Develop Career in Indonesia Mobile Banking & Payment Initiative Financial Statements of Conventional Bank's Report and Circular Letter of Financial Services Authority No. S-2/PB.11/2020
b. Foreign currencies 139,675,627 6,156,771 321 7,632 700 145,841,051 119,444,046 4,706,525 7,862 2,280 12,284 124,172,997 Euromoney Award for Excellence of the Year dated 20 January 2020 regarding Changes to Published Financial Statements and also in accordance with the FSA Regulation
III OTHER INFORMATION Best Bank in Indonesia Majalah SWA Indonesia Customer No. 14/POJK.04/2022 dated 22 August 2022 regarding Submission of Periodic Financial Statements for Issuers or Public
1. Value of bank’s assets pledged as collateral: Finance Asia Award 2023 Service Quality Survey 2023 Companies and LK No. Kep-346/BL/2011 dated 5 July 2011 regarding the Submission of Periodic Financial Statements for
a. To Bank Indonesia - - Best Domestic Bank in Indonesia Mandiri Agent as The Best Agent in Laku Issuers or Public Companies. Financial Information and Statement of Cash Flows which included in the Published Financial
CNBC Indonesia Green Business Pandai Program - Excellent Statements have been prepared in accordance with Bapepam and LK Regulation No. VIII.G7, Attachment to Decision of
b. To others - -
Ratings 2023 Infobank 12th Digital Brand Awards 2023 Chairman of Bapepam and LK No. Kep-347/BL/2012 dated 25 June 2012.
2. Repossessed assets**) - 238,820
Best Green Business in Financial Sector The Best Mobile Banking Conventional
*) Include restructured loan due to Covid-19. Bank (KBMI 4) 3. Related Parties in the Statements of Assets Quality and Other Information are presented in accordance with the Bank Indonesia
**) Repossessed assets are presented net after the allowance for impairment of assets. Regulation No. 7/3/PBI/2005 dated 20 January 2005 regarding the Amendment of Financial Services Authority Regulation
No. 38/POJK.03/2019 dated 19 December 2019 regarding the Amendment of Financial Services Authority Regulation No. 32/
Allowance for Impairment and Asset Quality Assessment POJK.03/2018 regarding The Legal Lending Limit and Provisions of Large Fund for Commercial Banks.
As of 30 June 2023 and 2022 4. Exchange rate of 1 US Dollar as at 30 June 2023, 31 December 2022 and 30 June 2022 were Rp14,992.50, Rp15,567.50 and
Rp14,897.50, respectively.
30 June 2023 30 June 2022 (In Millions of Rupiah)
Allowance for Asset Quality Allowance for Asset Quality
Allowance for Impairment (CKPN) Allowance for Impairment (CKPN)
Assessment (PPKA) Assessment (PPKA)
NO DESCRIPTION Total Total Total Total Jakarta, 31 July 2023
Allowance General Specific Allowance for Stage 1 Allowance Specific Allowance for S. E & O
Stage 1 Stage 2 Stage 3 Stage 2 Stage 3 General
for Asset Quality for Asset Quality
Impairment Assessment Impairment Assessment Board of Directors
1. Placements with other banks 10,817 - - 10,817 341,369 - 341,369 9,290 - - 9,290 296,890 - 296,890 PT Bank Mandiri (Persero) Tbk.
2. Spot and derivative receivables/forward - - - - 19,130 - 19,130 - - - - 15,197 - 15,197
3. Securities*) 15,790 - - 15,790 356,851 - 356,851 36,381 13,440 - 49,821 353,981 2,077 356,058
4. Securities sold with agreement to repurchase (Repo) - - - - 7,193 - 7,193 - - - - 24,650 - 24,650
5. Securities purchased with agreement to resell (Reverse Repo) - - - - 31,693 - 31,693 - - - - 4,540 - 4,540
6. Acceptance receivables 34,882 125,521 4,721 165,124 94,008 6,098 100,106 21,661 193,211 2,899 217,771 123,934 20,453 144,387
7. Loans and financing provided*) 11,666,016 27,211,366 12,300,023 51,177,405 9,199,055 12,592,791 21,791,846 11,523,230 25,776,937 22,512,445 59,812,612 8,259,813 18,562,945 26,822,758
8. Investments in shares 30 - 79,047 79,077 145,261 143,352 288,613 30 - 64,356 64,386 30 127,304 127,334
9. Other receivables 72,484 963,172 1,205,616 2,241,272 277,427 1,203,523 1,480,950 55,846 156,740 1,193,095 1,405,681 258,447 1,233,813 1,492,260 Darmawan Junaidi Sigit Prastowo
10. Commitments and contingencies 506,076 631,677 248,749 1,386,502 1,869,359 487,034 2,356,393 517,492 1,256,253 190,476 1,964,221 1,719,408 488,453 2,207,861 President Director Director of Finance and Strategy
TOTAL 12,306,095 28,931,736 13,838,156 55,075,987 12,341,346 14,432,798 26,774,144 12,163,930 27,396,581 23,963,271 63,523,782 11,056,890 20,435,045 31,491,935
*) 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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