Back to announcement
20250430_BMRI_Penyampaian Bukti Iklan_31879890_lamp1.pdf
Other Text extracted BMRISource file signed link, expires in 15 minutes
Extracted text 1
Page 1
6 WEDNESDAY April 30, 2025 The Jakarta Post The Jakarta Post WEDNESDAY April 30, 2025 7
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 Statements of Financial Ratios Statements of Commitments and Contingencies
As of 31 March 2025 and 31 December 2024 For the Periods Ended 31 March 2025 and 2024 As of 31 March 2025 and 2024 As of 31 March 2025 and 2024 As of 31 March 2025 and 31 December 2024
(In Millions of Rupiah) (In Millions of Rupiah) (In Millions of Rupiah) (In %) (In Millions of Rupiah)
INDIVIDUAL CONSOLIDATED 31 March 2025 31 March 2024 INDIVIDUAL INDIVIDUAL
NO DESCRIPTION INDIVIDUAL CONSOLIDATED INDIVIDUAL CONSOLIDATED
31 March 2025 31 December 2024 31 March 2025 31 December 2024 NO DESCRIPTION NO COMPONENTS OF CAPITAL NO RATIOS NO RATIOS
(Audited) (Audited) 31 March 2025 31 March 2024 31 March 2025 31 March 2024 Individual Consolidated Individual Consolidated 31 March 2025 31 March 2024 31 March 2025 31 March 2024 NO DESCRIPTION NOTES
ASSETS 31 December 2024 31 December 2024
I CORE CAPITAL (TIER 1) 199,410,361 259,014,518 189,039,591 240,719,061 PERFORMANCE RATIOS COMPLIANCE 31 March 2025 31 March 2025
1. Cash 25,035,477 23,325,843 35,497,665 31,665,082 OPERATING INCOME AND EXPENSES (Audited) (Audited) 1. The above financial information is extracted from the interim Consolidated Financial Statements of PT Bank
A Interest and Sharia Income, Interest and Sharia Expenses, and Premium Income and Claim Expenses 1. Common Equity Tier 1 (CET 1) 199,410,361 259,014,518 189,039,591 240,719,061 1. Capital Adequacy 1. a. Percentage I COMMITMENT RECEIVABLES
2. Placements with Bank Indonesia 121,560,988 99,451,907 161,521,616 154,720,202 Mandiri (Persero) Tbk (“Bank”) and its Subsidiaries for the period ended 31 March 2025, as prepared by the Bank's
3. Placements with other banks 53,036,259 56,710,305 58,172,820 60,324,335 1.1 Paid-in Capital 11,666,667 11,666,667 11,666,667 11,666,667 Ratio (CAR) 17.29% 19.01% violation of 1. Unused fund borrowings/financing facilities - - - -
1. Interest and Sharia Income 29,538,236 26,207,191 39,626,254 35,535,295 211,605,428 239,458,765 202,857,721 226,181,553 Legal Lending Management in accordance with Indonesian Accounting Standards. The Consolidated Financial Statements of
4. Spot and derivative receivables/forward 9,118,420 7,741,609 9,198,217 7,786,617 1.2 Disclosed Reserves 2. Non-performing 2. Outstanding purchase position of spot and
5. Securities *) 243,619,651 174,284,731 351,894,164 290,842,385 2. Interest and Sharia Expenses 10,479,531 8,242,599 14,121,434 11,349,428 1.2.1 Additional Factor 214,520,503 243,055,806 205,952,207 229,686,657 earning assets and Limit derivative/forward 540,458,453 486,714,332 543,714,266 489,370,382 PT Bank Mandiri (Persero) Tbk. and its Subsidiaries as of and for the year ended 31 December 2024 as prepared by
6. Securities sold under agreement to Net Interest Income and Sharia Income 1.2.1.1 Other comprehensive income 34,559,138 35,223,343 34,844,753 35,073,492 non-performing 3. Others
non-earning assets i. Related parties 0.00% 0.00% - - - - the Bank's Management in accordance with Indonesian Accounting Standards have been audited by KAP Rintis,
repurchase (Repo) 40,163,437 90,285,233 40,323,927 90,677,899 (Expenses) 19,058,705 17,964,592 25,504,820 24,185,867 1.2.1.1.1 Excess differences arising from translation of financial II COMMITMENT PAYABLES
7. Securities purchased under agreement to to total earning ii. Third parties 0.00% 0.00% Jumadi, Rianto & Rekan (a member firm of the PricewaterhouseCoopers network) with Lucy Luciana Suhenda, S.E.,
3. Premium Income - - 2,290,918 3,315,987 statements 10,186 389,600 56,062 56,062 assets and non- 1. Unused loan/financing facilities granted
resell (Reverse Repo) 8,047,481 7,166,266 10,929,319 8,290,138 1.2.1.1.2 Potential gain from the increase in the fair value of earning assets 0.70% 0.70% b. Percentage of to customers Ak., CPA, as partner in charge, an independent auditor, in accordance with the Auditing Standards established by
4. Claim Expenses - - 1,862,481 2,773,006
8. Acceptance receivables 7,850,526 9,161,722 7,936,522 9,313,865 financial assets measured at fair value through other 3. Non-performing excess of the Indonesian Institute of Certified Public Accountants, with an unmodified audit opinion, as stated in the report
Net Premium Income (Claim Expenses) - - 428,437 542,981 Legal Lending i. Committed 68,034,857 53,409,662 68,036,299 53,211,283
9. Loans 1,303,266,541 1,310,779,402 1,625,286,579 1,623,216,612 comprehensive income 60,998 60,998 300,737 300,737 earning assets
10. Consumer financing receivables - - 41,652,494 41,573,306 Net Interest and Sharia Income (Expenses) Limit ii. Uncommitted 200,363,950 213,888,608 201,125,603 214,018,590 dated 5 February 2025. The implementation of SFAS 117 "Insurance Contracts" in subsidiary is still in the finalization
1.2.1.1.3 Surplus of fixed assets revaluation 34,487,954 34,772,745 34,487,954 34,716,693 to total earning
11. Sharia financing - - - - and Net Premium Income (Claim Expenses) 19,058,705 17,964,592 25,933,257 24,728,848
1.2.1.2 Other disclosed reserves 179,961,365 207,832,463 171,107,454 194,613,165 assets 0.68% 0.68% i. Related parties 0.00% 0.00% 2. Outstanding irrevocable letters of credit 21,556,962 22,075,076 22,647,773 22,439,663 process until the date of issuance of this consolidated financial information.
12. Investment in shares 15,016,495 15,016,495 2,420,476 2,418,734 B Other Operating Income and Expenses 4. Allowance for ii. Third parties 0.00% 0.00% 3. Outstanding sales position of spot and 2. The published financial statements above are presented to comply with the following regulations:
1.2.1.2.1 Agio 19,661,550 18,095,274 18,941,550 17,643,264 impairment on derivative/forward 540,296,357 486,300,423 546,013,717 491,607,013
13. Others financials assets 42,132,164 40,639,678 43,864,086 42,689,706 1. Gain (loss) from increase (decrease) in fair value
14. Allowance for impairment on financial of financial assets 488,112 446,394 664,700 576,462 1.2.1.2.2 General reserves 2,333,333 2,333,333 2,333,333 2,333,333 financial assets to 2. Reserve 4. Others
a. Financial Services Authority Regulation (POJK) No. 37/POJK.03/2019 dated 19 December 2019, regarding
2.32% 2.77% requirement - - - -
assets -/- 2. Gain (loss) from decrease (increase) in fair value 1.2.1.2.3 Previous years profit 146,332,243 174,206,597 138,706,815 161,934,390 earning assets III CONTINGENT RECEIVABLES Transparency and Publication of Bank Reports.
a. Securities (8,863) (9,390) (50,096) (50,958) of financial liabilities - - - - 1.2.1.2.4 Current year profit 11,634,239 13,197,259 11,125,756 12,702,178 5. Gross NPL 1.01% 1.02% a. Primary reserve b. Financial Services Authority Circular Letter (SEOJK) No. 9/SEOJK.03/2020 dated 30 June 2020, regarding
requirement 1. Guarantees received 55,446,489 50,138,716 55,698,615 50,383,762
b. Loans and sharia financing **) (39,032,937) (38,257,611) (51,438,639) (50,392,335) 3. Gain (loss) from sale of financial assets 1.2.1.2.5 Funds for paid-in capital - - - - 6. Net NPL 0.35% 0.33%
c. Others (1,423,325) (1,436,458) (1,487,308) (1,489,188)
593,614 476,665 798,369 631,233 Rupiah 6.05% 7.01% 2. Others 34,459 34,411 34,459 34,411 Transparency and Publication of Conventional Commercial Bank Reports.
4. Gain (loss) from spot and derivative transaction/ 1.2.1.2.6 Others - - - - 7. Return on Asset
15. Intangible assets 11,452,763 11,425,335 15,990,448 15,743,152 3.00% 3.31% IV CONTINGENT PAYABLES c. POJK No. 14/POJK.04/2022 dated 22 August 2022, concerning the Submission of Periodic Financial Statements of
forward (realised) 261,226 52,950 270,017 59,731 1.2.2 Deduction Factor (2,915,075) (3,597,041) (3,094,486) (3,505,104) (ROA) i. Daily 0.00% 0.00%
Accumulated amortisation for intangible 8. Return on Equity 1. Guarantees issued 155,309,628 148,825,466 157,087,932 150,866,192 Issuers or Public Companies.
5. Gain (loss) from investment in shares under 1.2.2.1 Other comprehensive income (1,891,604) (1,817,562) (2,579,449) (2,062,195) 20.75% 21.52% ii. Average 6.05% 7.01%
assets -/- (7,414,135) (7,217,467) (8,983,976) (8,698,409) (ROE) 2. Others 4,226,418 4,072,541 4,226,418 4,072,541
16. Premises and equipment ***) 74,413,386 73,956,584 91,023,195 90,458,680
equity method - - - - 1.2.2.1.1 Negative differences arising from translation of financial 9. Net Interest Margin b. Reserve d. Financial Services Authority Letter No. S-2/PB.11/2020 dated 20 January 2020, regarding Changes in the Format
6. Gain (loss) from foreign currencies translation - - - - statements (369,019) (369,019) (463,061) (143,479) 4.58% 4.89% requirement of Published Reports.
Accumulated depreciation for premises (NIM) Management of The Bank
7. Dividend income - - - - 1.2.2.1.2 Potential losses from the decrease in the fair value of 10. Operating Expenses foreign
and equipment -/- (20,953,299) (20,415,920) (28,014,299) (27,427,835) currencies 4.10% 4.10% e. Attachment to the Decree of the Chairman of Bapepam and LK No. Kep-346/BL/2011 dated 5 July 2011, regarding
financial assets measured at fair value through other to Operating
17. Non earning assets 8. Comissions/provisions/fees and administrative 4,575,047 4,015,392 6,261,630 5,134,965 (1,522,585) (1,448,543) (2,116,388) (1,918,716) 61.52% 58.38%
a. Abandoned properties - net - - 5,531 9,403
comprehensive income Income i. Daily 2.00% 2.00% Board of Commissioners the Submission of Periodic Financial Statements of Issuers or Public Companies.
9. Other income 1,978,712 1,903,012 3,300,558 3,202,948 1.2.2.2 Other disclosed reserves (1,023,471) (1,779,479) (515,037) (1,442,909)
b. Repossessed assets - net - - - - 11. Cost to Income Ratio ii. Average 2.10% 2.10% President Commissioner/Independent Commissioner : Kuswiyoto *) f. Financial information and Cash Flow Statements in the Published Financial Statements are also prepared in
10. Impairment for financial assets 2,246,993 2,552,773 3,636,535 3,591,596 38.22% 34.31%
1.2.2.2.1 Disagio - - - - (CIR)
c. Suspense account - net 4,327,093 4,557,985 4,355,756 4,574,940 Deputy President Commissioner/Independent Commissioner : Zainudin Amali accordance with Bapepam and LK Regulation No. VIII.G.7, Attachment to the Decree of the Chairman of Bapepam
11. Losses related to operational risk 16,077 3,530 23,078 13,294 1.2.2.2.2 Previous years loss - - - - 12. Loan to Deposit Ratio 3. Net Open Position-
d. Interoffice assets 162,824 - 163,082 - 93.45% 89.66% Commissioner : Muhammad Yusuf Ateh
18. Lease financing 12. Salaries and employee benefits 4,986,887 3,990,315 7,177,736 6,045,981 1.2.2.2.3 Current year loss - - - -
(LDR) overall 3.67% 3.00% and LK No. Kep-347/BL/2012 dated 25 June 2012.
- - 5,490,289 5,757,076
19. Other assets 29,292,977 20,155,477 47,907,108 35,219,855 13. Promotion expenses 218,872 133,495 495,445 314,721 Commissioner : Yuliot *) 3. Related Parties in the Statement of Assets' Quality and Other Information are presented in accordance with the
1.2.2.2.4 Negative differences in allowance for possible losses and
Commissioner : Luky Alfirman *) Bank Indonesia Regulation No. 7/3/PBI/2005 dated 20 January 2005 regarding the Amendment of Financial Services
TOTAL ASSETS 1,919,663,923 1,877,321,726 2,463,658,976 2,427,223,262 14. Other expenses 5,080,348 4,401,213 7,781,917 6,763,337 allowance for impairment on earning assets - - - - Statements of Spot and Derivative Transactions
LIABILITIES AND EQUITY Other Operating Income (Expenses) (4,652,466) (4,186,913) (7,819,437) (7,123,590) 1.2.2.2.5 Negative differences in adjustment amounts of financial Independent Commissioner : Mia Amiati *) Authority Regulation No. 38/POJK.03/2019 dated 19 December 2019 regarding the Amendment of Financial Services
LIABILITIES instruments based on valuation results in trading book As of 31 March 2025 Board of Directors
1. Demand deposits ****) 533,796,568 551,033,679 590,295,241 605,764,528
PROFIT (LOSS) FROM OPERATIONS 14,406,239 13,777,679 18,113,820 17,605,258
and adjusment amounts based on financial accounting
Authority Regulation No. 32/POJK.03/2018 regarding The Legal Lending Limit and Provisions of Large Fund for
2. Saving deposits ****) 532,416,731 514,539,393 679,416,409 665,445,945 NON OPERATING INCOME AND EXPENSES standards - - - -
(In Millions of Rupiah) President Director : Darmawan Junaidi Commercial Banks.
3. Time deposits ****) 317,577,404 261,314,782 479,007,632 427,686,443 1. Gain (loss) from sale of premises and equipment 167 109 1.094 243 1.2.2.2.6 Required allowance for non earning assets (1,023,471) (1,779,479) (515,037) (1,442,909) Deputy President Director : Riduan **) 4. Exchange rate of 1 US Dollar as at 31 March 2025, 31 December 2024 and 31 March 2024 were Rp16,560.00, Rp16,095.00,
4. Electronic money 2,191,495 1,979,101 2,191,495 1,979,101 2. Other non operating income (expenses) 63,591 18,820 63.746 (2,894) 1.2.2.2.7 Others - - - - INDIVIDUAL Director of Operations : Toni Eko Boy Subari
5. Fund from Bank Indonesia - - 18,089,361 18,417,864 NOTIONAL and Rp15,855.00, respectively.
PROFIT (LOSS) FROM NON OPERATING 63,758 18,929 64,840 (2,651) 1.3 Non Controlling Interest - 26,549,050 - 22,977,625 NO TRANSACTION Type Derivative Receivables & Payables Director of Information Technology : Timothy Utama
6. Fund from other banks ****) 13,064,499 25,207,287 14,525,958 27,720,211 AMOUNT
7. Spot and derivative liabilities/forward 8,775,215 7,339,930 8,775,329 7,352,584 PROFIT (LOSS) CURRENT PERIOD BEFORE TAX 14,469,997 13,796,608 18,178,660 17,602,607 1.4 Deduction Factor of CET 1 (23,861,734) (18,659,964) (25,484,797) (20,106,784) Trading Hedging Receivables Payables Director of Human Capital and Compliance : Eka Fitria **)
8. Securities sold under agreement to Income tax expenses 1.4.1 Deferred tax (4,841,824) (7,169,655) (6,827,891) (8,844,827) Director of Risk Management : Danis Subyantoro
A. Exchange Rate Related
repurchase liabilities (Repo) 45,278,874 90,156,012 45,381,982 90,256,225 a. Estimated current tax (1,942,054) (1,556,707) (2,602,911) (2,145,310) 1.4.2 Goodwill - (482,091) - (482,091) Director of Commercial Banking : Totok Priyambodo
9. Acceptance liabilities 7,850,526 9,161,722 7,763,737 9,136,013 (4,038,628) (6,487,187) (3,704,586) (5,251,380) 1. Spot 8,568,142 8,568,142 - 125,499 48,739
Jakarta, 29 April 2025
b. Deferred tax income (expenses) (893,704) (1,114,145) (1,045,599) (1,335,848) 1.4.3 Intangible assets
10. Securities issued 45,789,090 27,110,945 57,881,748 41,181,325
Director of Corporate Banking : Mochamad Rizaldi ***) S. E & O
PROFIT (LOSS) CURRENT PERIOD 1.4.4 Investments in shares calculated as deduction (14,981,282) (4,521,031) (14,952,320) (5,528,486) 2. Forward 94,289,008 92,622,419 1,666,589 420,823 435,063
11. Fund borrowings 105,280,107 97,593,015 138,672,883 129,802,935 11,634,239 11,125,756 14,530,150 14,121,449 Director of Consumer Banking : Saptari ***)
1.4.5 Shortfall of capital in insurance subsidiaries - - - - Board of Directors
12. Margin deposits received 1,415,351 1,350,106 1,415,351 1,350,106 PROFIT (LOSS) MINORITY INTEREST - - 1,332,891 1,419,271 3. Option - - - - - Director of Treasury and International Banking : Ari Rizaldi ***)
1.4.6 Securitisation exposure - - - - PT Bank Mandiri (Persero) Tbk
13. Interoffice liabilities - 31,468 - (21,278) OTHER COMPREHENSIVE INCOME a. Written 79,788,790 79,374,790 414,000 136 5,821,901 Director of Finance and Strategy : Novita Widya Anggraini ***)
14. Liability to unit-link policyholders - - 26,563,670 28,012,886 1.4.7 Other deduction of CET 1 - - - -
1. Items that will not be reclassified to profit Director of Network and Retail Funding : Jan Winston Tambunan ***)
15. Other liabilities 80,356,615 33,378,343 108,500,415 59,663,693 or loss 1.4.7.1 Placement of funds in Tier 2 instrument to other banks - - - - b. Purchased 78,521,167 78,521,167 - 5,857,586 47
16. Minority interest - - 31,013,981 29,678,252 a. Gain on fixed assets revaluation - - - - 1.4.7.2 Cross-ownership in another entity acquired by the transfer due to law, 4. Future - - - - - *) In accordance with the resolution of Bank Mandiri’s Annual General Meeting of Shareholders held on 25 March 2025, he was appointed as a member of
grants, or grants will - - - - the Board of Commissioners of the Company, which appointment is effective after obtaining approval from the Financial Services Authority for the Fit
TOTAL LIABILITIES 1,693,792,475 1,620,195,783 2,209,495,192 2,143,426,833 5. Swap 187,351,493 171,847,211 15,504,282 893,709 1,038,621 and Proper Test Assessment and fulfilling the applicable laws and regulations.
EQUITY b. Gain (loss) from remeasurement of defined 1.4.7.3 Exposures that give rise to credit risk due the settlement risk - **) In accordance with the resolution of Bank Mandiri’s Annual General Meeting of Shareholders held on 25 March 2025, the person concerned was
benefits program - - (7) (576) Non Delivery Versus Payment - - - - 6. Others - - - - - transferred, where the transfer is effective upon approval from the Financial Services Authority for the Fit and Proper Test Assessment and compliance
17. Share capital with applicable laws and regulations
a. Authorised capital 16,000,000 16,000,000 16,000,000 16,000,000 c. Others - - - - 1.4.7.4 Exposures in subsidiaries that conduct business activity based on B. Interest Rate Related ***) In accordance with the resolution of Bank Mandiri’s Annual General Meeting of Shareholders held on 25 March 2025, he was appointed as a member of
b. Unpaid-in capital-/- (4,333,333) (4,333,333) (4,333,333) (4,333,333) 2. Items that will be reclassified to profit or loss sharia principles (if available) - - - - the Board of Directors of the Company, which appointment is effective upon approval from the Financial Services Authority for the Fit and Proper Test
1. Forward - - - - - Assessment and compliance with applicable laws and regulations
c. Treasury stock -/- - - - - a. Gain (loss) from translation of financial 2. Additional Tier 1 (AT 1) - - - - Darmawan Junaidi Toni Eko Boy Subari
18. Additional paid-in capital statements in foreign currencies 2.1 Instrument which comply with AT 1 requirements - - - - 2. Option - - - - -
a. Agio 19,661,550 19,661,550 18,095,274 18,095,274
(28,167) 27,438 10,294 58,883 Shareholders President Director Director of Operations
b. Gain (loss) from changes in the fair value 2.2 Agio/disagio - - - - a. Written - - - - -
b. Disagio -/- - - - - of financial assets measured at fair value 2.3 Deduction factor of AT 1 - - - - b. Purchased - - - - - Ultimate Shareholder
c. Funds for paid-in capital - - - - through other comprehensive income 649,972 88,209 667,532 151,345
d. Others - - - - 2.3.1 Placement of funds in AT 1 and/or Tier 2 instrument to other banks - - - - Republic of Indonesia 1 Dwiwarna Series A share
c. Others - - 5,654 (6,147) 3. Future - - - - -
19. Other comprehensive income 2.3.2 Cross-ownership in another entity acquired by the transfer due to
Other comprehensive income current period law, grants, or grants will - - - - 4. Swap 35,682,472 33,551,234 2,131,238 369,406 344,638 Non Ultimate Shareholder through Capital Market (≥ 5%) Nil Scan to download Bank Mandiri Financial Statement
a. Gain 36,063,836 36,063,836 37,453,711 37,469,742
b. Losses -/- (1,820,420) (2,442,225) (2,789,057) (3,485,723) after income tax 621,805 115,647 683,473 203,505 II SUPPLEMENTAL CAPITAL (TIER 2) 14,510,534 17,647,446 12,395,189 15,225,314 5. Others 29,261,476 29,261,476 - 1,235,955 1,040,271 Non Ultimate Shareholder through non Capital Market (≥ 5%) https://bmri.id/quarterlyfinancials
20. Reserve TOTAL COMPREHENSIVE INCOME CURRENT 1. Capital instrument in the form of stock or others which comply with C. Others 38,058,880 38,058,880 - 215,306 45,935 Indonesia Investment Authority 8.00%
a. General reserve 2,333,333 2,333,333 2,333,333 2,333,333 PERIOD 12,256,044 11,241,403 15,213,623 14,324,954 Tier 2 requirements 149,264 299,264 195,234 385,234
b. Appropriated reserve - - - - Profit (loss) current period attributable to: TOTAL 551,521,428 531,805,319 19,716,109 9,118,420 8,775,215 PT Biro Klasifikasi Indonesia (Persero) 52.00%
2. Agio/disagio - - - -
21. Retained earning PARENT ENTITY 11,634,239 11,125,756 13,197,259 12,702,178 3. General provision on earning assets (max. 1.25% credit risk - weighted
a. Previous years *****) 189,842,782 171,742,853 217,717,136 194,970,428 NON-CONTROLLING INTEREST 1,332,891 1,419,271 assets) 14,361,270 17,348,182 12,199,955 14,840,080
b. Current year 11,634,239 51,135,963 13,197,259 55,782,742 4. Deduction Supplemental Capital - - - -
c. Paid dividend -/- (43,510,539) (33,036,034) (43,510,539) (33,036,034) TOTAL PROFIT (LOSS) CURRENT PERIOD 11,634,239 11,125,756 14,530,150 14,121,449
TOTAL EQUITY ATTRIBUTABLE TO Total comprehensive income current period attributable to: 4.1 Sinking Fund - - - -
Awards LinkedIn Top 4. Best Graduate Training 9. Most Innovative Infobank – 14th Digital Global Finance – IDN Times Inspiring
4.2 Placement of funds in Tier 2 instrument to other banks - - - -
OWNER 225,871,448 257,125,943 254,163,784 283,796,429 PARENT ENTITY 12,256,044 11,241,403 13,877,894 12,870,027
4.3 Cross-ownership in another entity acquired by the transfer due to law,
Companies 2025 Programme Leadership Development Brand Awards 2025 25th Best Trade Newsmaker of
NON-CONTROLLING INTEREST 1,335,729 1,454,927
TOTAL EQUITY 225,871,448 257,125,943 254,163,784 283,796,429 grants, or grants will - - - - Top 1 in Indonesia 5. Best Campus Recruitment Programme Finance Provider 2025 The Year 2024
TOTAL LIABILITIES DAN EQUITY 1,919,663,923 1,877,321,726 2,463,658,976 2,427,223,262 TOTAL COMPREHENSIVE INCOME CURRENT TOTAL CAPITAL 213,920,895 276,661,964 201,434,780 255,944,375 • The Best Super APP in
*) Consolidated balance includes Securities owned by Subsidiary which classified "At Cost" in accordance with SFAS No. 410 "Accounting for Sukuk"
which has effective since 1 January 2012.
PERIOD 12,256,044 11,241,403 15,213,623 14,324,954 Strategy 10. Most Inspiring Leader Indonesia (Livin' By Mandiri) Best Trade Finance Distinguished Award
**) Consolidated balance includes allowance for impairment for consumer financing receivables and lease financing from Subsidiaries. TRANSFER PROFIT (LOSS) TO HEAD OFFICE - - - - 31 March 2025 31 March 2024 31 March 2025 31 March 2024 Human Recources Online Provider in Indonesia
***) Including right of use assets.
Employee Experience 6. Best Management on Outstanding
****) Consolidated balance includes temporary syirkah funds from Subsidiary. DIVIDEND - - - - Individual Consolidated Individual Consolidated Individual Consolidated Individual Consolidated
The Asset – Triple • The Most Innovative Leadership in
*****) Accumulated losses of Rp162,874,901 had been eliminated against additional paid-in capital/agio through quasi-reorganisation on 30 April 2003.
EARNINGS PER SHARE (in Rupiah) 124.65 119.20 141.40 136.09 RISK WEIGHTED ASSETS CAR
Awards 2025 Training Programme Banking Super APP (Livin' Global Finance 2025
Credit Risk -
7. Best Employee A Digital Awards GW Platt FX Award Corporate Banking
Weighted Assets 1,148,901,621 1,387,854,537 975,996,387 1,187,206,434 CET 1 Ratio (%) 16.12% 17.32% 17.84% 18.72% 1. Champion of The Year by Mandiri) Transformation
Statements of Assets' Quality and Other Information Market Risk - Engagement Initiatives • Digital Bank of the Year
As of 31 March 2025 and 2024 Weighted Assets 23,794,715 25,817,049 21,215,993 22,814,279 Tier 1 Ratio (%) 16.12% 17.32% 17.84% 18.72% 2. Best First–Time • The Leading Innovative Best Foreign
Operational Risk 8. Best Holistic Leadership
- Weighted Assets 64,464,181 81,602,048 62,675,961 75,849,894 Tier 2 Ratio (%) 1.17% 1.18% 1.17% 1.18% Manager Programme • Best Corporate Corporate Internet Banking Exchange (FX) Bank
(In Millions of Rupiah)
Total Risk Capital Development Strategy Payment Project (Kopra by Mandiri) 2025 in Indonesia
INDIVIDUAL
Weighted 1,237,160,517 1,495,273,634 1,059,888,341 1,285,870,607 Adequacy 3. Best Rewards &
Assets Ratio (%) 17.29% 18.50% 19.01% 19.90% Recognition Programme
31 March 2025 31 March 2024 CAR BASED ON CET 1 FOR
NO DESCRIPTION
Current Special Sub Doubtful Loss Total Current Special Sub Doubtful Loss Total RISK PROFILE (%) 9.70% 9.71% 9.68% 9.75% BUFFER (%) 7.59% 8.79% 9.33% 10.15%
Mention Standard Mention Standard CAPITAL ALLOCATION FOR CAR BASED ON RISK PROFILE PERCENTAGE OF BUFFER MANDATORY FULFILLED BY BANK
I RELATED PARTIES Capital
1. Placements with other banks Conservation
a. Rupiah - - - - - - - - - - - - From CET 1 (%) 8.53% 8.53% 8.51% 8.57% Buffer (%) 2.50% 2.50% 2.50% 2.50%
b. Foreign currencies 1,237,434 - - - - 1,237,434 1,157,161 - - - - 1,157,161 Countercyclical
2. Spot and derivative receivables/forward From AT 1 (%) - - - - Buffer (%) 0.00% 0.00% 0.00% 0.00%
a. Rupiah - - - - - - - - - - - - Capital
b. Foreign currencies - - - - - - - - - - - - Surcharge
3. Securities From Tier 2 (%) 1.17% 1.18% 1.17%
for Systemic
1.18% Bank (%) 2.50% 2.50% 2.50% 2.50% T O W A R D A G R E AT E R I N D O N E S I A
a. Rupiah
b. Foreign currencies
60,981
497,302
-
-
-
-
-
-
-
-
60,981
497,302
234,896
-
-
-
-
-
-
-
-
-
234,896
-
Statements of Cash Flows
UNTUK INDONESIA LEBIH BAIK
Strengthening the Economy and Advancing
4. Securities sold with agreement to repurchase (Repo)
a. Rupiah - - - - - - - - - - - - For the Periods Ended 31 March 2025 and 2024
Konsisten Menopang Perekonomian
b. Foreign currencies - - - - - - - - - - - - (In Millions of Rupiah)
Securities purchased with agreement to resell (Reverse
5. Repo)
CONSOLIDATED
a. Rupiah - - - - - - - - - - - - DESCRIPTION
National Strategic Programs
b. Foreign currencies - - - - - - - - - - - - 31 March 2025 31 March 2024
6. Acceptances receivables 1,437 - - - - 1,437 2,664 - - - - 2,664
7. Loans and financing CASH FLOWS FROM OPERATING ACTIVITIES
a. Micro, small and medium loans (UMKM)
i. Rupiah
ii. Foreign currencies
b. Non UMKM
i. Rupiah
ii. Foreign currencies
10,265,548
-
-
-
9,438,644
826,904
-
-
-
172
172
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
10,265,720
9,438,816
826,904
7,939,078
-
-
-
7,148,173
790,905
-
-
-
1,090
1,090
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
7,940,168
7,149,263
790,905
Receipts from interest income
Receipts from sharia income
Receipts from provision, commission and premium income
Payments of interest expenses
Payments of sharia expenses
Payment of insurance claims expenses
32,837,872
6,071,221
8,478,762
(10,933,967)
(2,317,787)
(1,862,481)
29,157,219
5,078,894
8,404,287
(8,957,594)
(1,928,478)
(2,773,006)
dan Program Strategis Nasional
c. Restructured loans*) - - - - - - - - - - - -
i. Rupiah - - - - - - - - - - - - Receipts from the sale of government bonds measured at fair value through profit or loss 84,954,171 46,521,524
ii. Foreign currencies - - - - - - - - - - - - Acquisitions of government bonds measured at fair value through profit or loss (87,304,064) (49,898,373)
8. Investments in shares 14,555,122 - 414,227 25,191 - 14,994,540 14,526,121 - 414,227 25,191 - 14,965,539 Income from fair value through profit of loss classification - net 4,086,106 1,952,128
9. Other receivables - - - - - - - - - - - -
Other operating income - others 1,125,986 1,174,354
10. Commitments and contingencies
a. Rupiah 453,163 128 - - - 453,291 347,918 64,222 - - - 412,140 Other operating expenses - others (3,557,773) (2,508,439)
b. Foreign currencies - - - - - - - - - - - - Salaries and employee benefits expenses (8,905,389) (11,248,650)
II THIRD PARTIES General and administrative expenses (4,823,483) (4,308,261)
1. Placements with other banks Non-operating income/(expenses) - net 63,745 (2,894)
a. Rupiah 478,313 - - - - 478,313 34,297,758 - - - - 34,297,758 Payment of corporate income tax (2,492,493) (2,660,996)
b. Foreign currencies 87,752,512 - - - - 87,752,512 76,683,172 - - - - 76,683,172
Cash Flows from Operating Activities Before Changes in Operating Assets and Liabilities 15,420,426 8,001,715
2. Spot and derivative receivables/forward
a. Rupiah 8,979,538 - - - - 8,979,538 2,801,913 - - - - 2,801,913 (Increase)/Decrease in Operating Assets:
b. Foreign currencies 138,882 - - - - 138,882 171,366 - - - - 171,366 Placements with Bank Indonesia and other banks (261,018) (1,092,779)
3. Securities Marketable securities measured at fair value through profit or loss (17,876,121) 6,369,811
a. Rupiah 179,317,326 - - - 10,198 179,327,524 183,299,950 - - - 22,420 183,322,370 Other receivables - trade transactions (1,051,041) 374,063
b. Foreign currencies 63,733,844 - - - - 63,733,844 50,165,150 - - - - 50,165,150 Loans 4,829,233 (31,621,262)
4. Securities sold with agreement to repurchase (Repo) Sharia receivables/financing (9,166,078) (6,714,275)
a. Rupiah 21,966,144 - - - - 21,966,144 27,154,190 - - - - 27,154,190
Rp1,672 Tn 1.01% Rp43.5Tn 20.8% Rp1,749 Tn
Securities purchased under agreement to resell (2,639,181) 14,537,459
b. Foreign currencies 18,197,293 - - - - 18,197,293 12,784,327 - - - - 12,784,327
Consumer financing receivables (488,904) (3,626,567)
5. Securities purchased with agreement to resell
(Reverse Repo) Net investment in lease financing 231,695 (33,154)
a. Rupiah
b. Foreign currencies
6. Acceptances receivables
7. Loans and financing
8,047,481
-
7,843,523
-
-
5,566
-
-
-
-
-
-
-
-
-
8,047,481
-
7,849,089
545,896
-
13,273,368
-
-
-
-
-
-
-
-
-
-
-
-
545,896
-
13,273,368
Prepaid taxes
Prepaid expenses
Other assets
(29,883)
(1,718,440)
(13,236,325)
(301,219)
(1,360,718)
(9,081,970) Total 1.672
RpLoans Tn Rp
& Financing 2.464Tn
Non-Performing Loans Total13,2
Rp Tn
Dividend 20,8%
Return on Equity Rp 1.749
Third-Party Tn
Funds
Kredit+16.5% +31.7% +11.2%
a. Micro, small and medium loans (UMKM) 130,573,838 3,747,002 355,021 458,135 1,099,194 136,233,190 118,669,564 4,522,327 526,977 924,618 470,464 125,113,950 Recovery of written - off financial assets 2,184,366 2,037,435 (Bank-only) (ROE Tier 1 Bank-only)
i. Rupiah
ii. Foreign currencies
129,431,651 3,747,002
1,142,187 -
355,021
-
458,135
-
1,099,194
-
135,091,003 118,204,133 4,522,327
1,142,187 465,431 -
526,977
-
924,618
-
470,464
-
124,648,519
465,431
Increase/(Decrease) in Operating Liabilities and Temporary Syirkah Funds:
Conventional Banking
Sektor Produktif
YoY Aset Laba Bersih YoY Return on Equity Dana Pihak Ketiga
YoY
b. Non UMKM
i. Rupiah
ii. Foreign currencies
1,104,883,956 40,736,385
836,953,320 29,608,554
267,930,636 11,127,831
994,660
983,391
11,269
1,630,321
1,630,321
-
8,522,309
7,095,106
1,427,203
1,156,767,631 926,475,806 45,008,755
876,270,692 689,106,303 35,057,194
280,496,939 237,369,503 9,951,561
1,911,596
1,911,596
-
2,479,623
2,006,930
472,693
4,956,528
3,366,758
1,589,770
980,832,308
731,448,781
249,383,527
Demand deposits
Saving deposits
Time deposits
(20,966,450)
17,921,848
51,327,732
(26,223,488)
20,125,691
2,092,935
+16,5%
(Consolidated)
YoY +13,9% YoY +3,9%
Dividend from the 2024 net profit,
YoYof 78%
with dividend payout ratio
(ROE Bank-Only) +11,2%
(Consolidated)
YoY
c. Restructured loans*) 38,518,681 34,708,572 483,808 397,153 6,147,544 80,255,758 35,163,787 36,162,179 1,131,808 686,296 4,076,803 77,220,873
i. Rupiah 29,446,988 23,580,741 472,539 397,153 4,720,440 58,617,861 26,877,721 26,216,878 1,131,808 686,296 2,492,927 57,405,630 Interbank call money (2,858,113) 2,992,951 (Consolidated)
ii. Foreign currencies 9,071,693 11,127,831 11,269 - 1,427,104 21,637,897 8,286,066 9,945,301 - - 1,583,876 19,815,243 Obligation due immediately 114,649 111,527 Konsolidasi, 31 Maret 2025
8. Investments in shares 20,000 - - - 1,955 21,955 - - - - 34,125 34,125 Liability to unit-link policyholders (1,449,216) (325,295)
9. Other receivables 29,963,470 39,348 - - 1,296,397 31,299,215 24,715,764 20,139 - - 1,247,419 25,983,322 Other taxes payable 83,588 (373,326)
10. Commitments and contingencies Other liabilities 8,666,294 13,423,327
a. Rupiah 258,914,023 1,578,251 636 8,856 6,944 260,508,710 229,005,883 1,212,292 1,652 1,054 50,289 230,271,170
Rp148 Tn
Sharia Banking - Temporary Syirkah Funds
b. Foreign currencies 183,184,331 1,119,065 - - - 184,303,396 123,090,107 4,956,127 - - - 128,046,234
III OTHER INFORMATION Demand deposits - restricted investment and mudharabah musytarakah demand deposits 1,538,744 2,241,318
ESG
1. Value of bank's assets pledged as collateral: Saving deposits - restricted investment and unrestricted investment - mudharabah (4,396,992) (693,522)
a. To Bank Indonesia
2. Repossessed assets**)
*)
b. To others
Include restructured loans due to Covid-19.
-
-
-
-
-
-
Mudharabah time deposits - unrestricted investment
Net Cash Provided by/(Used in) Operating Activities
CASH FLOWS FROM INVESTING ACTIVITIES
(5,938,656)
20,242,157
406,268
(8,733,075)
Transformasi
Leveraging
innovation
digital
digital guna
to
memperluas
7,066 Tn
Rp7.066 ESG Rp 148 Tn
Portofolio
Berkelanjutan
**) Repossessed assets are presented net after the allowance for impairment of assets.
Increase in marketable securities - other than at fair value through profit or loss 11,236,277 7,173,478 broaden access to Total Digital Transaction Green Portfolios
akses services.
layanan
+11,2%
(Increase)/Decrease in government bonds - other than measured at fair falue through profit or loss (159,463) 3,569,244
financial Transaksi Digital Providing support
Allowance for Impairment (CKPN) and Allowance for Asset Quality Assessment (PPKA)
As of 31 March 2025 and 2024
Proceeds from sale of fixed assets
Acquisitions of fixed assets
76,405
(622,975)
350
(409,055) keuangan. +21.9% YoY for the 3 million +13.4% YoY
YoY
(In Millions of Rupiah)
Acquisitions of intangible assets (247,296) (398,685)
+21,9% YoY
Mendukung
houses initiative,
Program 3 juta
Rp146Tn
Increase of investment in Subsidiaries (1,000) (15,072)
INDIVIDUAL Net Cash Provided by Investing Activities
CASH FLOWS FROM FINANCING ACTIVITIES
10,281,948 9,920,260
along makanan
rumah, with free
31 March 2025 31 March 2024
Allowance for Asset Quality Allowance for Asset Quality Receipts from marketable securities issued 18,644,688 41,000 mealskesehatan,
gratis, programs,
Allowance for Impairment (CKPN) Allowance for Impairment (CKPN)
NO DESCRIPTION
Total
Assessment (PPKA)
Total Total
Assessment (PPKA)
Total
Payments of marketable securities issued
Receipts from fund borrowings
(2,392,904)
50,248,844
(441,487)
9,360,677
healthcare
dan pendidikan Portofolio Sosial
Social Portfolios
services, and top-
Stage 1 Stage 2 Stage 3 Allowance
for
Impairment
General Specific
Allowance
for Asset
Quality
Assessment
Stage 1 Stage 2 Stage 3 Allowance
for
Impairment
General Specific
Allowance
for Asset
Quality
Assessment
Payments of fund borrowings
Payments of subordinated loans and marketable securities
Increase/(Decrease) in securities sold under repurchase agreements liabilities
(44,418,178)
(8,392)
(45,763,500)
(9,941,665)
(8,366)
228,316
unggulan.
quality education +9% YoY
YoY
1. Placements with other banks 16,364 - - 16,364 530,363 - 530,363 15,166 - - 15,166 569,603 - 569,603 Payments for lease liabilities (352,385) (331,102)
2. Spot and derivative receivables/forward - - - - 84,932 - 84,932 - - - - 26,521 - 26,521 Payments of dividends - (33,036,034) Pendapatan
Non-Interest Cost-to- Cost to Pengguna
Livin’ Volume
Transaction Livin’ Transaction Livin’ Livin’ Merchant
Kopra Transaction Global Bond
Penerbitan Obligasi
Green Bond
3. Securities *) Net Cash Used in Financing Activities (24,041,827) (34,128,661) Issuance Issuance
4. Securities sold under agreement to
11,257 - 7,856 19,113 529,963 10,198 540,161 14,827 - 16,539 31,366 337,875 22,420 360,295
Net Decrease in Cash and Cash Equivalents 6,482,278 (32,941,476)
Non-Bunga
Income Income Ratio Ratio
IncomeLivin’ Users Livin’
Frequency Value Transaksi Kopra
Volume Merchant
Users Global Bond Hijau
repurchase (Repo) - - - - 13,863 - 13,863 - - - - 7,595 - 7,595
Effect of Exchange Rate Changes on Cash and Cash Equivalents 1,739,186 2,210,140
5. Securities purchased under agreement
to resell (Reverse Repo)
6. Acceptance receivables 20,583
- -
3,739
-
- 24,322
- 79,976
78,450 278
- 79,976
78,728
-
27,094
-
5,323
-
- 32,417
- 5,364
132,760
-
-
5,364
132,760
Cash and Cash Equivalents at the Beginning of Period
Cash and Cash Equivalents at the End of Period
244,038,123
252,259,587
243,801,693
213,070,357
11,24
Rp11.24
Rp TnTn38.2%38,2%
+17.3% YoY
30,7
30.7Mn 1.1 RpTn22.700
Bn Jt Rp1,070
(Bank-only)
Rp6,000
Tn Tn+35%
~2.6YoYMn
+26% YoY +30% YoY +16% YoY +23% YoY +35% YoY
US$800
US$ 800JtMn Rp5 Tn
7. Loans and financing *)
8. Investments in shares
9,048,864 17,052,844 13,012,330 39,114,038 12,457,233 13,092,361 25,549,594 11,324,793 18,874,421 11,337,621 41,536,835 10,530,844
30 - 12,212 12,242 145,752 76,685 222,437 30 - 44,344 44,374 145,261
9,971,507 20,502,351
108,854 254,115
Cash and cash equivalents at the end of period consist of :
Cash 35,497,665 26,919,539
+17,3% YoY
(Consolidated) +21% YoY
Current accounts with Bank Indonesia 97,552,085 51,554,613
9. Other receivables 45,827 28,138 1,296,432 1,370,397 299,635 1,298,364 1,597,999 50,991 177,865 1,247,419 1,476,275 247,158 1,248,426 1,495,584
Current accounts with other banks 42,344,322 47,171,364
10. Commitments and contingencies 444,155 647,680 5,825 1,097,660 2,439,727 51,979 2,491,706 441,798 487,015 129,895 1,058,708 1,894,399 239,363 2,133,762
9,587,080 17,732,401 14,334,655 41,654,136 16,659,894 14,529,865 31,189,759 11,874,699 19,544,624 12,775,818 44,195,141 13,897,380 11,590,570 25,487,950
Liquid short-term investments with maturity period of three months or less from the date of as of 31 March 2025
TOTAL acquisition 76,865,515 87,424,841
*) 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. Total Cash and Cash Equivalents 252,259,587 213,070,357
Bank Mandiri is licensed and supervised by the Indonesia Financial Service Authority (OJK)
and Bank of Indonesia also an insured member of Deposit Insurance Corporation (LPS).
Names mentioned 28 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Bank Indonesia
p.1 ×4
unresolved
org
Mandiri (Persero) Tbk
p.1
unresolved
org
Rintis
p.1
unresolved
org
Rianto & Rekan
p.1
unresolved
person
Lucy Luciana Suhenda
p.1
unresolved
org
Financial Services Authority
p.1 ×6
unresolved
org
Bapepam
p.1 ×6
unresolved
org
Bank Indonesia Regulation
p.1
unresolved
org
Bank Mandiri’s Annual General Meeting
p.1 ×3
unresolved
org
Bank Mandiri Financial Statement
p.1
unresolved
—
Infobank – 14th Digital
p.1
unresolved
—
1. Champion of The Year
p.1
Extraction attempts how the parser did, and what it refused
Nothing structured was extracted from this document — the attempts below say why.
No extraction attempted yet.