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6 THURSDAY February 6, 2025 The Jakarta Post The Jakarta Post THURSDAY February 6, 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 December 2024 and 2023 For the Years Ended 31 December 2024 and 2023 As of 31 December 2024 and 2023 As of 31 December 2024 and 2023 As of 31 December 2024 and 31 December 2023
(In Millions of Rupiah) (In Millions of Rupiah) (In Millions of Rupiah) (In %) (In Millions of Rupiah)
INDIVIDUAL CONSOLIDATED INDIVIDUAL CONSOLIDATED 31 December 2024 31 December 2023 INDIVIDUAL INDIVIDUAL INDIVIDUAL CONSOLIDATED
NO DESCRIPTION (Audited) (Audited) NO DESCRIPTION (Audited) (Audited) NO COMPONENTS OF CAPITAL (Audited) (Audited) NO RATIOS 31 December 2024 31 December 2023 NO RATIOS (Audited) (Audited)
31 December 2024 31 December 2023 31 December 2024 31 December 2023 31 December 2024 31 December 2023 31 December 2024 31 December 2023 Individual Consolidated Individual Consolidated (Audited) (Audited)
31 December 2024 31 December 2023
(Audited) (Audited) NO DESCRIPTION NOTES
ASSETS PERFORMANCE RATIOS COMPLIANCE 31 December 2024 31 December 2023 31 December 2024 31 December 2023
OPERATING INCOME AND EXPENSES I CORE CAPITAL (TIER 1) 229,932,670 286,910,930 209,724,274 258,956,049 1. The consolidated financial information above is based on the Consolidated Financial Statements of PT Bank
1. Cash 23,325,843 20,866,568 31,665,082 26,431,740 A Interest and Sharia Income, Interest and Sharia Expenses, and Premium Income and Claim Expenses 1. Common Equity Tier 1 (CET 1) 229,932,670 286,910,930 209,724,274 258,956,049 1. Capital Adequacy 1. a. Percentage I COMMITMENT RECEIVABLES
2. Placements with Bank Indonesia 99,451,907 129,212,653 154,720,202 165,227,484 Ratio (CAR)
Mandiri (Persero) Tbk. and its subsidiaries as of and for the year ended 31 December 2024 as prepared by the Bank's
1.1 Paid-in Capital 11,666,667 11,666,667 11,666,667 11,666,667 20.10% 21.48% violation of 1. Unused fund borrowings/financing facilities - - - -
3. Placements with other banks 56,710,305 48,623,958 60,324,335 53,872,085 1. Interest and Sharia Income 112,305,488 97,831,188 151,236,027 132,544,470
2. Non-performing Legal Lending Management in accordance with Indonesian Accounting Standards and audited by KAP Rintis, Jumadi, Rianto & Rekan
1.2 Disclosed Reserves 243,295,646 269,544,562 224,692,846 246,380,061 2. Outstanding purchase position of spot and
4. Spot and derivative receivables/forward 7,741,609 1,968,893 7,786,617 1,997,826 2. Interest and Sharia Expenses 36,475,504 26,604,466 49,479,107 36,657,896 earning assets and Limit derivative/forward (a member firm of the PricewaterhouseCoopers network) with Lucy Luciana Suhenda, S.E., Ak., CPA, as partner in
1.2.1 Additional Factor 246,404,152 273,337,976 227,600,355 249,758,383 486,714,332 252,306,483 489,370,382 253,078,400
5. Securities *) 174,284,731 241,972,173 290,842,385 363,162,174 non-performing charge, an independent auditor, in accordance with the Auditing Standards established by the Indonesian Institute of
Net Interest Income and Sharia Income 1.2.1.1 Other comprehensive income 34,566,487 35,192,233 34,582,623 34,811,362 i. Related parties 0.00% 0.00% 3. Others - - - -
6. Securities sold under agreement to (Expenses) 75,829,984 71,226,722 101,756,920 95,886,574 non-earning assets
repurchase (Repo) 90,285,233 39,705,735 90,677,899 40,002,906 1.2.1.1.1 Excess differences arising from translation of financial to total earning II COMMITMENT PAYABLES Certified Public Accountants, with an unmodified audit opinion, as stated in the report dated 5 February 2025.
3. Premium Income ii. Third parties 0.00% 0.00%
7. Securities purchased under agreement to - - 13,095,263 13,721,691 statements 47,779 388,734 27,284 27,284 assets and non- 1. Unused loan/financing facilities granted 2. The published financial statements above are presented to comply with the following regulations:
resell (Reverse Repo) 7,166,266 16,205,580 8,290,138 22,692,928 4. Claim Expenses - - 10,574,450 11,598,645 earning assets 0.68% 0.70% b. Percentage of to customers
1.2.1.1.2 Potential gain from the increase in the fair value of excess of a. Financial Services Authority Regulation (POJK) No. 37/POJK.03/2019 dated 19 December 2019, regarding
8. Acceptance receivables 9,161,722 14,462,941 9,313,865 14,793,888 Net Premium Income (Claim Expenses) - - 2,520,813 2,123,046 financial assets measured at fair value through other 3. Non-performing i. Committed 53,409,662 52,804,931 53,211,283 52,498,506
earning assets Legal Lending Transparency and Publication of Bank Reports.
9. Loans 1,310,779,402 1,085,787,427 1,623,216,612 1,359,832,195 comprehensive income 30,754 30,754 67,385 67,385 Limit ii. Uncommitted 213,888,608 163,441,539 214,018,590 163,845,572
Net Interest and Sharia Income (Expenses) to total earning
10. Consumer financing receivables - - 41,573,306 32,749,796 and Net Premium Income (Claim Expenses) 75,829,984 71,226,722 104,277,733 98,009,620 1.2.1.1.3 Surplus of fixed assets revaluation 34,487,954 34,772,745 34,487,954 34,716,693 2. Outstanding irrevocable letters of credit 22,075,076 20,515,997 22,439,663 20,881,972 b. Financial Services Authority Circular Letter (SEOJK) No. 9/SEOJK.03/2020 dated 30 June 2020, regarding Transparency
assets 0.67% 0.68% i. Related parties 0.00% 0.00%
11. Sharia financing - - - - B Other Operating Income and Expenses 1.2.1.2 Other disclosed reserves 211,837,665 238,145,743 193,017,732 214,947,021 4. Allowance for 3. Outstanding sales position of spot and and Publication of Conventional Commercial Bank Reports.
12. Investment in shares 15,016,495 14,999,632 2,418,734 1,861,487 ii. Third parties 0.00% 0.00%
1. Gain (loss) from increase (decrease) in fair value 1.2.1.2.1 Agio 19,661,550 18,095,274 18,941,550 17,643,264 impairment on derivative/forward 486,300,423 252,397,142 491,607,013 255,254,227 c. POJK No. 14/POJK.04/2022 dated 22 August 2022, concerning the Submission of Periodic Financial Statements of
13. Others financials assets 40,639,678 35,662,501 42,689,706 37,473,559 2,333,333 2,333,333 2,333,333 2,333,333 financial assets to 2. Reserve 4. Others
of financial assets 1,884,065 1,219,975 2,106,882 1,528,246 1.2.1.2.2 General reserves requirement - - - - Issuers or Public Companies.
14. Allowance for impairment on financial earning assets 2.32% 2.87%
2. Gain (loss) from decrease (increase) in fair value 1.2.1.2.3 Previous years profit 138,706,819 161,934,394 120,645,971 139,910,367 III CONTINGENT RECEIVABLES
assets -/-
of financial liabilities 5. Gross NPL 0.97% 1.02% a. Primary reserve d. Financial Services Authority Letter No. S-2/PB.11/2020 dated 20 January 2020, regarding Changes in the Format of
a. Securities (9,390) (10,684) (50,958) (149,665) - - - - 1.2.1.2.4 Current year profit 51,135,963 55,782,742 51,096,878 55,060,057 1. Guarantees received 50,138,716 28,992,163 50,383,762 29,226,582
3. Gain (loss) from sale of financial assets 6. Net NPL 0.33% 0.29% requirement Published Reports.
b. Loans and sharia financing **) (38,257,611) (42,323,522) (50,392,335) (53,881,833) 1,703,075 1,228,656 2,330,725 1,607,822 1.2.1.2.5 Funds for paid-in capital - - - - Rupiah 5.21% 7.32% 2. Others 34,411 34,338 34,411 34,338
c. Others (1,436,458) (1,624,303) (1,489,188) (1,684,760) 4. Gain (loss) from spot and derivative transaction/ 1.2.1.2.6 Others - - - - 7. Return on Asset e. Attachment to the Decree of the Chairman of Bapepam and LK No. Kep-346/BL/2011 dated 5 July 2011, concerning
(ROA) 3.59% 4.03% IV CONTINGENT PAYABLES
15. Intangible assets 11,425,335 10,314,331 15,743,152 13,669,071 forward (realised) 83,658 190,280 133,536 264,062 i. Daily 0.00% 0.00% the Submission of Periodic Financial Statements of Issuers or Public Companies.
1.2.2 Deduction Factor (3,108,506) (3,793,414) (2,907,509) (3,378,322) 8. Return on Equity 1. Guarantees issued 148,825,466 126,521,898 150,866,192 129,359,735
Accumulated amortisation for intangible 5. Gain (loss) from investment in shares under ii. Average 5.21% 7.32% f. Financial information and Cash Flow Statements in the Published Financial Statements are also prepared in
equity method - - - - 1.2.2.1 Other comprehensive income (2,520,758) (2,464,896) (2,432,966) (1,971,613) (ROE) 24.19% 27.31% 2. Others 4,072,541 3,268,517 4,072,541 3,268,517
assets -/- (7,217,467) (6,505,920) (8,698,409) (7,794,473) b. Reserve
16. Premises and equipment ***) 73,956,584 69,604,803 90,458,680 82,315,031 6. Gain (loss) from foreign currencies translation
1.2.2.1.1 Negative differences arising from translation of financial 9. Net Interest Margin accordance with Bapepam and LK Regulation No. VIII.G.7, Attachment to the Decree of the Chairman of Bapepam and
- - - - statements (378,445) (378,445) (461,721) (173,583) (NIM) 4.93% 5.25% requirement
Accumulated depreciation for premises 7. Dividend income 1,517,424 1,083,443 - - 1.2.2.1.2 Potential losses from the decrease in the fair value of 10. Operating Expenses foreign Management of The Bank LK No. Kep-347/BL/2012 dated 25 June 2012.
and equipment -/- (20,415,920) (18,194,545) (27,427,835) (24,337,324) financial assets measured at fair value through other to Operating currencies 4.10% 4.10% 3. Related Parties in the Statement of Assets' Quality and Other Information are presented in accordance with the
8. Comissions/provisions/fees and administrative 17,774,548 16,050,613 23,635,594 20,495,686 56.46% 51.88% Board of Commissioners
17. Non earning assets comprehensive income (2,142,313) (2,086,451) (1,971,245) (1,798,030) Income i. Daily 2.00% 2.00% Bank Indonesia Regulation No. 7/3/PBI/2005 dated 20 January 2005 regarding the Amendment of Financial Services
a. Abandoned properties - net - - 9,403 9,403 9. Other income 8,686,915 12,679,394 14,201,793 16,859,680
1.2.2.2 Other disclosed reserves (587,748) (1,328,518) (474,543) (1,406,709) 11. Cost to Income Ratio ii. Average 2.10% 2.10% President Commissioner/Independent : Muhamad Chatib Basri Authority Regulation No. 38/POJK.03/2019 dated 19 December 2019 regarding the Amendment of Financial Services
b. Repossessed assets - net - - - - 10. Impairment for financial assets 7,134,515 5,366,942 11,777,957 10,234,322 35.04% 34.36%
(CIR)
1.2.2.2.1 Disagio - - - - Deputy President Commissioner/Independent : Zainudin Amali Authority Regulation No. 32/POJK.03/2018 regarding The Legal Lending Limit and Provisions of Large Fund for
c. Suspense account - net 4,557,985 2,443,641 4,574,940 2,443,641 11. Losses related to operational risk 37,069 49,694 157,052 78,524 12. Loan to Deposit Ratio 3. Net Open Position-
1.2.2.2.2 Previous years loss - - - - 98.04% 86.75%
d. Interoffice assets - 36,498 - 36,498 12. Salaries and employee benefits 14,684,386 16,058,990 23,990,763 24,423,089 (LDR) overall 1.00% 1.28% Independent Commissioner : Loeke Larasati Agoestina Commercial Banks.
18. Lease financing - - 5,757,076 5,489,242 1.2.2.2.3 Current year loss - - - -
13. Promotion expenses 1,334,315 1,235,868 2,521,493 2,205,063 Independent Commissioner : Muliadi Rahardja 4. Bank Mandiri's Individual Governance Factor Rating for the period ended December 2023 and for the period ended June
19. Other assets 20,155,477 25,642,025 35,219,855 38,006,550 1.2.2.2.4 Negative differences in allowance for possible losses and
14. Other expenses 21,605,851 18,278,474 32,179,403 27,182,555 allowance for impairment on earning assets - - - - Statements of Spot and Derivative Transactions Independent Commissioner : Heru Kristiyana 2024 is 2 (Good) - Reflecting the Bank's management has done a generally good implementation of Good Corporate
TOTAL ASSETS 1,877,321,726 1,688,850,385 2,427,223,262 2,174,219,449
LIABILITIES AND EQUITY Other Operating Income (Expenses) (13,146,451) (8,537,607) (28,218,138) (23,368,057) Commissioner : Rionald Silaban Governance. This is reflected in the adequate compliance with Good Corporate Governance principles. In the event
1.2.2.2.5 Negative differences in adjustment amounts of financial As of 31 December 2024 that there is a weakness in applying the Good Corporate Governance principles, in general these weaknesses are less
LIABILITIES PROFIT (LOSS) FROM OPERATIONS 62,683,533 62,689,115 76,059,595 74,641,563 instruments based on valuation results in trading book Commissioner : Faried Utomo
1. Demand deposits ****) 551,033,679 532,532,581 605,764,528 584,713,021 NON OPERATING INCOME AND EXPENSES and adjusment amounts based on financial accounting (In Millions of Rupiah) significant and can be solved by normal actions by the Bank management.
2. Saving deposits ****) 514,539,393 453,710,376 665,445,945 586,991,559 standards - - - - Commissioner : Arif Budimanta
1. Gain (loss) from sale of premises and equipment 1,218 2,979 2,835 8,624 5. Exchange rate of 1 US Dollar as at 31 December 2024 and 31 December 2023 were Rp16,095.00 and Rp15,397.00,
3. Time deposits ****) 261,314,782 255,902,641 427,686,443 405,245,039 1.2.2.2.6 Required allowance for non earning assets (587,748) (1,328,518) (474,543) (1,406,709) Commissioner : Muhammad Yusuf Ateh
4. Electronic money 1,979,101 1,868,790 1,979,101 1,868,790 2. Other non operating income (expenses) 341,471 95,115 341,056 34,694 1.2.2.2.7 Others - - - -
INDIVIDUAL respectively.
5. Fund from Bank Indonesia - - 18,417,864 11,900,055 PROFIT (LOSS) FROM NON OPERATING 342,689 98,094 343,891 43,318 NO TRANSACTION NOTIONAL Type Derivative Receivables & Payables
Commissioner : Tedi Bharata
1.3 Non Controlling Interest - 25,425,527 - 21,864,452 AMOUNT
6. Fund from other banks ****) 25,207,287 16,322,586 27,720,211 18,464,180 PROFIT (LOSS) CURRENT YEAR BEFORE TAX 63,026,222 62,787,209 76,403,486 74,684,881 1.4 Deduction Factor of CET 1 (25,029,643) (19,725,826) (26,635,239) (20,955,131) Trading Hedging Receivables Payables
Board of Directors
7. Spot and derivative liabilities/forward 7,339,930 2,119,306 7,352,584 2,119,306 Income tax expenses President Director : Darmawan Junaidi Jakarta, 5 February 2025
8. Securities sold under agreement to 1.4.1 Deferred tax (5,840,877) (8,342,819) (7,874,700) (10,100,735) A. Exchange Rate Related
a. Estimated current tax (9,742,944) (10,015,624) (13,347,034) (12,907,674) 1.4.2 Goodwill - (482,091) - (482,091) Deputy President Director : Alexandra Askandar S. E & O
repurchase liabilities (Repo) 90,156,012 36,097,856 90,256,225 36,330,064
b. Deferred tax income (expenses) (2,147,315) (1,674,707) (1,891,331) (1,725,337) 1.4.3 Intangible assets (4,207,868) (6,525,458) (3,808,411) (5,068,755) 1. Spot 12,214,185 12,214,185 - 25,109 15,586 Board of Directors
9. Acceptance liabilities 9,161,722 14,462,941 9,136,013 14,793,888 Director of Compliance and HR : Agus Dwi Handaya
10. Securities issued 27,110,945 40,853,536 41,181,325 50,554,401 PROFIT (LOSS) CURRENT YEAR 51,135,963 51,096,878 61,165,121 60,051,870 1.4.4 Investments in shares calculated as deduction (14,980,898) (4,375,458) (14,952,128) (5,303,550) 2. Forward 74,292,503 72,683,986 1,608,517 530,663 380,879 PT Bank Mandiri (Persero) Tbk.
11. Fund borrowings 97,593,015 57,931,877 129,802,935 83,661,943
Director of Corporate Banking : Riduan
PROFIT (LOSS) MINORITY INTEREST - - 5,382,379 4,991,813 1.4.5 Shortfall of capital in insurance subsidiaries - - - - 3. Option
12. Margin deposits received 1,350,106 1,350,583 1,350,106 1,350,583 1.4.6 Securitisation exposure - - - - Director of Network and Retail Banking : Aquarius Rudianto
OTHER COMPREHENSIVE INCOME a. Written 75,541,883 75,541,883 - - 4,654,926
13. Interoffice liabilities 31,468 - (21,278) - - - - - Director of Operation : Toni Eko Boy Subari
1. Items that will not be reclassified to profit 1.4.7 Other deduction of CET 1
14. Liability to unit-link policyholders - - 28,012,886 29,194,702 b. Purchased 75,541,883 75,541,883 - 4,692,354 -
or loss 1.4.7.1 Placement of funds in Tier 2 instrument to other banks - - - - Director of Institutional Relations : Rohan Hafas
15. Other liabilities 33,378,343 37,289,102 59,663,693 59,536,956
a. Gain on fixed assets revaluation - - 108,911 - 1.4.7.2 Cross-ownership in another entity acquired by the transfer due to law, 4. Future - - - - -
16. Minority interest - - 29,678,252 26,642,178 Director of Finance and Strategy : Sigit Prastowo
TOTAL LIABILITIES 1,620,195,783 1,450,442,175 2,143,426,833 1,913,366,665 grants, or grants will - - - - 5. Swap 201,885,924 182,784,848 19,101,076 921,591 1,095,178
b. Gain (loss) from remeasurement of defined Director of Information Technology : Timothy Utama
EQUITY benefits program 1,728 33,234 150,960 (15,051) 1.4.7.3 Exposures that give rise to credit risk due the settlement risk - - - - - -
6. Others
17. Share capital Non Delivery Versus Payment - - - - Director of Treasury and International Banking : Eka Fitria
c. Others - - - - B. Interest Rate Related
a. Authorised capital 16,000,000 16,000,000 16,000,000 16,000,000 1.4.7.4 Exposures in subsidiaries that conduct business activity based on Director of Risk Management : Danis Subyantoro Darmawan Junaidi Sigit Prastowo
2. Items that will be reclassified to profit or loss sharia principles (if available) - - - -
b. Unpaid-in capital-/- (4,333,333) (4,333,333) (4,333,333) (4,333,333) 1. Forward - - - - - President Director
a. Gain (loss) from translation of financial 2. Additional Tier 1 (AT 1) - - - - Director of Commercial Banking : Totok Priyambodo Director of Finance and Strategy
c. Treasury stock -/- - - - -
statements in foreign currencies 103,771 (72,683) 156,589 (85,872) 2. Option
18. Additional paid-in capital 2.1 Instrument which comply with AT 1 requirements - - - -
a. Agio 19,661,550 18,941,550 18,095,274 17,643,264 b. Gain (loss) from changes in the fair value 2.2 Agio/disagio - - - - a. Written - - - - - Shareholders
b. Disagio -/- - - - - of financial assets measured at fair value - - - - b. Purchased - - - - -
through other comprehensive income (207,699) 810,574 (414,593) 998,022 2.3 Deduction factor of AT 1
c. Funds for paid-in capital - - - - - - - -
c. Others - - (20,223) 8,990
2.3.1 Placement of funds in AT 1 and/or Tier 2 instrument to other banks 3. Future - - - - - Ultimate Shareholder
d. Others - - - -
19. Other comprehensive income Other comprehensive income current year
2.3.2 Cross-ownership in another entity acquired by the transfer due to law,
4. Swap 32,978,634 30,907,241 2,071,393 413,558 369,058
Republic of Indonesia 52.00% Scan to download Bank Mandiri Financial Statement
grants, or grants will - - - -
a. Gain 36,063,836 36,062,108 37,469,742 36,861,679 after income tax (102,200) 771,125 (18,356) 906,089 Non Ultimate Shareholder through Capital Market (≥ 5%) Nil https://bmri.id/quarterlyfinancials
II SUPPLEMENTAL CAPITAL (TIER 2) 14,325,962 17,374,792 12,264,005 14,966,831 5. Others 28,293,238 28,293,238 - 1,000,409 815,227
b. Losses -/- (2,442,225) (2,338,297) (3,485,723) (2,622,583) TOTAL COMPREHENSIVE INCOME CURRENT
20. Reserve 1. Capital instrument in the form of stock or others which comply with C. Others 7,970,000 7,970,000 - 157,925 9,076 Non Ultimate Shareholder through non Capital Market (≥ 5%)
YEAR 51,033,763 51,868,003 61,146,765 60,957,959
a. General reserve 2,333,333 2,333,333 2,333,333 2,333,333 Tier 2 requirements 173,562 333,562 205,171 405,171 508,718,250 485,937,264 22,780,986 7,741,609 7,339,930 Indonesia Investment Authority 8.00%
Profit (loss) current year attributable to: TOTAL
b. Appropriated reserve - - - - 2. Agio/disagio - - - -
21. Retained earning PARENT ENTITY 51,135,963 51,096,878 55,782,742 55,060,057 3. General provision on earning assets (max. 1.25% credit risk - weighted
a. Previous years *****) 171,742,853 145,348,353 194,970,428 164,612,749 NON-CONTROLLING INTEREST 5,382,379 4,991,813 assets) 14,152,400 17,041,230 12,058,834 14,561,660
b. Current year 51,135,963 51,096,878 55,782,742 55,060,057 TOTAL PROFIT (LOSS) CURRENT YEAR 51,135,963 51,096,878 61,165,121 60,051,870 4. Deduction Supplemental Capital - - - -
c. Paid dividend -/- (33,036,034) (24,702,382) (33,036,034) (24,702,382) Total comprehensive income current year attributable to: 4.1 Sinking Fund - - - -
TOTAL EQUITY ATTRIBUTABLE TO
OWNER 257,125,943 238,408,210 283,796,429 260,852,784
PARENT ENTITY
NON-CONTROLLING INTEREST
51,033,763 51,868,003 55,740,401
5,406,364
55,916,730
5,041,229
4.2 Placement of funds in Tier 2 instrument to other banks
4.3 Cross-ownership in another entity acquired by the transfer due to law,
- - - -
Awards Newsweek 18th Annual Alpha Bisnis Indonesia Annual Report The Digital Banker Global Finance Asian Banking & Bisnis Indonesia
TOTAL EQUITY 257,125,943 238,408,210 283,796,429 260,852,784 grants, or grants will - - - - Most Trustworthy Southeast Asia– Financial Awards Awards 2024 Global Retail Banking The Best Bank in Finance Awards 2024 CSR (BISRA)
TOTAL COMPREHENSIVE INCOME CURRENT
TOTAL LIABILITIES DAN EQUITY 1,877,321,726 1,688,850,385 2,427,223,262 2,174,219,449 YEAR 51,033,763 51,868,003 61,146,765 60,957,959 TOTAL CAPITAL 244,258,632 304,285,722 221,988,279 273,922,880 Companies 2024 Best Financial (BIFA) 2024 Rank 1 – Go Public Innovation Award 2024 Indonesia 2024 Digital Transformation Awards 2024
*) 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. TRANSFER PROFIT (LOSS) TO HEAD OFFICE - - - - 31 December 2024 (Audited) 31 December 2023 (Audited) 31 December 2024 (Audited) 31 December 2023 (Audited) Best Rank Institution Award 2024 The Best Performance Companies • Best Robotic Process of the Year - Indonesia Gold Champion
**) Consolidated balance includes allowance for impairment for consumer financing receivables and lease financing from Subsidiaries. 17th Annual Alpha
***) Including right of use assets.
****) Consolidated balance includes temporary syirkah funds from Subsidiary.
DIVIDEND - - - - Individual Consolidated Individual Consolidated Individual Consolidated Individual Consolidated Bank BUMN • Best Digital Bank in Bank (Kategori KBMI 4) Financial Sector Automation Initiative, Southeast Asia— - Social
*****) 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) 547.89 547.47 597.67 589.93 RISK WEIGHTED ASSETS CAR Indonesia • Most Outstanding LinkedIn Top Responsibility
Credit Risk - Time World’s Best Asian Business Review The Asian Banker Treasury & FX Companies 2024
Weighted Assets 1,132,192,033 1,363,298,397 964,706,719 1,164,932,800 CET 1 Ratio (%) 18.92% 19.63% 20.29% 20.79% • Best Retail Bank Machine Learning, Awards 2024 to Accelerate
Statements of Assets' Quality and Other Information Market Risk - Companies 2024 • Best Cash Management Asian Experience The Strongest Bank • Best Technology Rank 1 Top Stronger Recovery
As of 31 December 2024 and 2023 Weighted Assets 20,289,449 22,445,193 9,980,215 12,359,269 Tier 1 Ratio (%) 18.92% 19.63% 20.29% 20.79%
Best Sustainability Bank in Indonesia Awards 2024 in Indonesia 2024 Implementation Best FX Banks for Companies 2024
Operational Risk Retail Clients
(In Millions of Rupiah) - Weighted Assets 62,675,961 75,849,894 58,720,278 68,332,364 Tier 2 Ratio (%) 1.18% 1.19% 1.19% 1.20% Transparency • Best Transactional Digital Experience by a Retail Bank in in Indonesia
Total Risk Capital in Indonesia Banking Online Platform of The Year Indonesia
Weighted Adequacy (Indonesia)
INDIVIDUAL Assets 1,215,157,443 1,461,593,484 1,033,407,212 1,245,624,433 Ratio (%) 20.10% 20.82% 21.48% 21.99%
31 December 2024 (Audited) 31 December 2023 (Audited) CAR BASED ON CET 1 FOR
NO DESCRIPTION
Special Sub Special Sub RISK PROFILE (%) 9.69% 9.73% 9.76% 9.82% BUFFER (%) 10.41% 11.09% 11.72% 12.17%
Current Doubtful Loss Total Current Doubtful Loss Total
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
Developing More Innovative Service Solutions and Providing Added Value to Customers
a. Rupiah - - - - - - 22 - - - - 22 From CET 1 (%) 8.51% 8.54% 8.57% 8.62% Buffer (%) 2.50% 2.50% 2.50% 2.50%
b. Foreign currencies 1,325,822 - - - - 1,325,822 966,553 - - - - 966,553 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
for Systemic
3. Securities From Tier 2 (%) 1.18% 1.19% 1.19% 1.20% Bank (%) 2.50% 2.50% 2.50% 2.50%
a. Rupiah 745,890 - - - - 745,890 72,010 - - - - 72,010
b. Foreign currencies - - - - - - - - - - - -
Statements of Cash Flows
4. Securities sold with agreement to repurchase (Repo)
a. Rupiah
b. Foreign currencies
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
For the Years Ended 31 December 2024 and 2023 Total Loans Non-Interest Net Profit Total Third Total Assets
5. Securities
Repo)
purchased with agreement to resell (Reverse
(In Millions of Rupiah)
CONSOLIDATED
Income Party Funds
a. Rupiah - - - - - - - - - - - - DESCRIPTION
b. Foreign currencies - - - - - - - - - - - - 31 December 2024 (Audited) 31 December 2023 (Audited)
Rp
55.8Tn
6. Acceptances receivables 1,437 - - - - 1,437 3,017 - - - - 3,017
CASH FLOWS FROM OPERATING ACTIVITIES
7. Loans and financing
a. Micro, small and medium loans (UMKM) - - - - - - - - - - - - Receipts from interest income 126,307,045 109,977,225
Rp
42.32Tn Rp
2,427Tn
Receipts from sharia income 21,444,104 18,639,462
Rp
1,671Tn Rp
1,699Tn
i. Rupiah - - - - - - - - - - - -
ii. Foreign currencies - - - - - - - - - - - - Receipts from provision, commission and premium income 36,542,783 33,870,101
b. Non UMKM 10,141,851 384 - - - 10,142,235 6,486,387 2,282 - - - 6,488,669 Payments of interest expenses (41,137,244) (29,551,232)
i. Rupiah 9,338,367 384 - - - 9,338,751 5,718,521 2,282 - - - 5,720,803 Payments of sharia expenses (7,844,161) (5,925,654)
ii. Foreign currencies 803,484 - - - - 803,484 767,866 - - - - 767,866 Payment of insurance claims expenses (10,574,450) (11,598,645)
c. Restructured loans*) - - - - - - - - - - - - Receipts from the sale of government bonds measured at fair value through profit or loss 489,371,973 198,473,490
i. Rupiah - - - - - - - - - - - - Acquisitions of government bonds measured at fair value through profit or loss (498,026,362) (207,265,229) 19.49%* 4.12%* 7.73%* 11.64%*
ii. Foreign currencies - - - - - - - - - - - - Income from fair value through profit of loss classification - net 4,473,622 4,371,516
8. Investments in shares 14,555,122 - 414,227 25,191 - 14,994,540 14,526,121 - 414,227 25,191 - 14,965,539 Other operating income - others 4,927,284 5,527,300
9. Other receivables - - - - - - - - - - - -
Other operating expenses - others (9,613,944) (8,868,375)
10. Commitments and contingencies
Salaries and employee benefits expenses (28,501,269) (25,143,475)
a. Rupiah
b. Foreign currencies
II THIRD PARTIES
979,613
-
1,066
-
-
-
-
-
-
-
980,679
-
687,397
-
25
-
-
-
-
-
-
-
687,422
-
General and administrative expenses
Non-operating (expenses)/income - net
(20,406,171)
335,917
(18,165,992)
34,694
NPL Ratio (Bank Only) Lowest in CASA Ratio (Bank Only)
1. Placements with other banks Payment of corporate income tax (13,438,576) (13,729,286) the industry
0.97% 80.3%
a. Rupiah 565,924 - - - - 565,924 26,641,841 - - - - 26,641,841 Cash Flows from Operating Activities Before Changes in Operating Assets and Liabilities 53,860,551 50,645,900
b. Foreign currencies 66,085,059 - - - - 66,085,059 61,782,892 - - - - 61,782,892 (Increase)/Decrease in Operating Assets:
Placements with Bank Indonesia and other banks (958,884) 1,300,258
2. Spot and derivative receivables/forward
a. Rupiah 7,559,084 - - - - 7,559,084 1,836,519 - - - - 1,836,519 Marketable securities measured at fair value through profit or loss 1,973,193 (4,523,193) 5bps* 91bps*
b. Foreign currencies 182,525 - - - - 182,525 132,374 - - - - 132,374 Other receivables - trade transactions (3,929,564) 7,748,711
3. Securities Loans (237,605,954) (173,772,763)
a. Rupiah 122,845,700 - - - 8,674 122,854,374 190,965,202 - - - 39,496 191,004,698 Sharia receivables/financing (39,585,822) (34,331,179) *
b. Foreign currencies 50,684,467 - - - - 50,684,467 50,895,465 - - - - 50,895,465
YoY (December 2024 to December 2023)
Securities purchased under agreement to resell 14,402,790 (10,986,939)
4. Securities sold with agreement to repurchase (Repo)
a. Rupiah 80,499,885 - - - - 80,499,885 27,164,767 - - - - 27,164,767
Consumer financing receivables
Net investment in lease financing
(10,319,670)
(319,986)
(10,159,382)
307,195 Loan Composition Sustainalytics: Sustainable Portfolio
293Tn
b. Foreign currencies 9,785,348 - - - - 9,785,348 12,540,968 - - - - 12,540,968
5. Securities
(Reverse Repo)
a. Rupiah
purchased with agreement to resell
b. Foreign currencies
7,166,266
-
-
-
-
-
-
-
-
-
7,166,266
-
16,205,580
-
-
-
-
-
-
-
-
-
16,205,580
-
Prepaid taxes
Prepaid expenses
Other assets
Recovery of written - off financial assets
(302,483)
(2,107,934)
851,950
9,312,913
728,393
(824,286)
(8,474,655)
12,159,217
ESG Risk Rating
17.5 Rp
6. Acceptances receivables 9,154,828 5,457 - - - 9,160,285 14,452,865 7,059 - - - 14,459,924 Increase/(Decrease) in Operating Liabilities and Temporary Syirkah Funds:
7. Loans and financing
a. Micro, small and medium loans (UMKM) 128,086,629 3,643,861 357,927 497,332 962,727 133,548,476 119,540,357 4,266,991 438,406 716,981 531,957 125,494,692
Conventional Banking (Low Risk) 10.8%*
Demand deposits 18,549,199 34,079,545
i. Rupiah 127,038,542 3,643,861 357,927 497,332 962,727 132,500,389 119,029,329 4,266,991 438,406 716,981 531,957 124,983,664 Saving deposits 70,964,416 28,969,554
ii. Foreign currencies 1,048,087 - - - - 1,048,087 511,028 - - - - 511,028 Time deposits 11,951,464 (7,185,303)
b. Non UMKM 1,114,857,115 41,440,323 1,090,408 1,709,920 7,990,925 1,167,088,691 901,379,800 43,112,073 1,850,904 3,605,579 3,855,710 953,804,066 Interbank call money 2,679,658 2,845,795 Green Portfolio Social Portfolio
i. Rupiah 849,013,943 30,646,682 1,090,408 1,709,920 6,602,705 889,063,658 663,887,055 29,263,150 1,850,904 3,093,362 2,823,353 700,917,824
Innovation and
Obligation due immediately 1,218,775 428,927
Rp
149Tn Rp
144Tn
ii. Foreign currencies 265,843,172 10,793,641 - - 1,388,220 278,025,033 237,492,745 13,848,923 - 512,217 1,032,357 252,886,242 Liability to unit-link policyholders (1,181,816) (515,525)
c. Restructured loans*) 31,531,725 35,036,854 420,576 388,192 6,089,000 73,466,347 36,548,105 34,776,121 1,044,617 2,677,760 3,150,180 78,196,783
Other taxes payable 488,808 (78,008)
i. Rupiah 24,964,809 24,243,213 420,576 388,192 4,700,876 54,717,666 28,421,570 21,387,995 1,044,617 2,165,543 2,123,759 55,143,484
ii. Foreign currencies
8. Investments in shares
9. Other receivables
6,566,916 10,793,641
20,000
29,528,032
-
101,066
-
-
-
-
-
-
1,388,124
1,955
1,264,092
18,748,681
21,955
8,126,535 13,388,126
30,893,190 25,024,252
- -
245,783
-
-
-
512,217
-
-
1,026,421
34,093
1,215,601
23,053,299
34,093
26,485,636
Other liabilities
Sharia Banking - Temporary Syirkah Funds
Demand deposits - restricted investment and mudharabah musytarakah demand deposits
3,441,525
4,818,540
11,754,709
9,662,291
collaboration to 15.2% *
6.5%*
10. Commitments and contingencies
a. Rupiah
b. Foreign currencies
267,619,804
166,998,266
1,460,912
1,129,953
506
-
1,609
-
7,083
-
269,089,914 234,773,930
168,128,219 120,707,932
1,155,346
5,865,049
4,184
-
51,879
1,978
36,315
330
236,021,654
126,575,289
Saving deposits - restricted investment and unrestricted investment - mudharabah
Mudharabah time deposits - unrestricted investment
7,510,475
14,729,578
(79,558,278)
5,382,833
15,033,947
(69,803,958)
drive sustainable
economic growth.
Net Cash Used in Operating Activities
III OTHER INFORMATION
CASH FLOWS FROM INVESTING ACTIVITIES
1. Value of bank's assets pledged as collateral:
Increase in marketable securities - other than at fair value through profit or loss (4,213,227) (7,500,467)
Corporate Segment MSME Segment
a. To Bank Indonesia - -
b. To others - - Decrease in government bonds - other than measured at fair value through profit or loss 29,535,716 30,052,757 as the largest contributor committed to supporting the
2. Repossessed assets**) - - Proceeds from sale of fixed assets 35,890 242,703 National Strategic Program
*)
**)
Include restructured loans due to Covid-19.
Repossessed assets are presented net after the allowance for impairment of assets.
Acquisitions of fixed assets (6,141,551) (3,086,377) Renewable Energy
Acquisitions of intangible assets (2,402,345) (1,934,659)
MSCI: ESG
Rp
913.3Tn Rp
135Tn Rp
11.8Tn
Increase of investment in Subsidiaries (15,072) (29,770)
Allowance for Impairment (CKPN) and Allowance for Asset Quality Assessment (PPKA) Receipts from divestment of Associate Entity - 140,000 Rating Upgrade
Investment in other entity (20,000) -
As of 31 December 2024 and 2023
(In Millions of Rupiah)
INDIVIDUAL
Net Proceeds from control transfer of a Subsidiary
Net Cash Provided by Investing Activities
CASH FLOWS FROM FINANCING ACTIVITIES
951,284
17,730,695 17,884,187
-
25.50%* 6.00%*
BBB
Receipts from debt securities issued 25,460,904 16,611,244
31 December 2024 (Audited) 31 December 2023 (Audited)
Payments of debt securities issued (36,082,179) (12,065,865)
Allowance for Asset Quality Allowance for Asset Quality
Allowance for Impairment (CKPN) Allowance for Impairment (CKPN) Receipts from fund borrowings 99,255,831 67,056,159
Assessment (PPKA) Assessment (PPKA)
NO DESCRIPTION Payments of fund borrowings (48,433,335) (34,822,471)
Total Total
Total Total
Allowance Allowance Receipts from subordinated loans and marketable securities - 300,000
Allowance Allowance
Stage 1 Stage 2 Stage 3 General Specific for Asset Stage 1 Stage 2 Stage 3 General Specific for Asset Payments of subordinated loans and marketable securities (16,887) (517,151)
for for
Quality Quality
Transaction Value Registered Users
Impairment Assessment Impairment Assessment Increase in securities sold under agreements to repurchase liabilities 53,371,351 11,611,121
Digital Rp
22,700 Tn 29.3 million
1. Placements with other banks 17,537 - - 17,537 567,103 - 567,103 12,329 - - 12,329 486,240 - 486,240 Payments for lease liabilities (1,651,500) (1,692,169)
Payments of dividends (33,036,034) (24,702,382)
2. Spot and derivative receivables/forward
3. Securities *) 12,102
- -
- 6,921
-
19,023
- 74,915
320,716 8,674
- 74,915
329,390
-
14,614
-
- 24,850
-
39,464
- 19,501
334,859 39,496
- 19,501
374,355
Acquisition of interest in a Subsidiary from non-controlling interest
Net Cash Provided by Financing Activities
(1,019,000)
57,849,151 21,778,486
- Transformation
4. Securities sold under agreement to
repurchase (Repo) - - - - 8,635 - 8,635 - - - - 7,425 - 7,425 Net Decrease in Cash and Cash Equivalents (3,978,432) (30,141,285)
5. Securities purchased under agreement Effect of Exchange Rate Changes on Cash and Cash Equivalents 4,214,862 (946,566) 17.0%* 29.0%*
to resell (Reverse Repo) - - - - 71,086 - 71,086 - - - - 47,804 - 47,804
6. Acceptance receivables 25,737 3,751 - 29,488 91,563 273 91,836 29,916 87,984 - 117,900 144,559 353 144,912
Cash and Cash Equivalents at the Beginning of Year
Cash and Cash Equivalents at the End of Year
243,801,693
244,038,123
274,889,544
243,801,693 Promoting Transaction Frequency Transaction Frequency
1.3 billion transactions 3.9 billion transactions
7. Loans and financing *) 9,094,305 16,664,969 12,581,110 38,340,384 12,530,856 12,528,756 25,059,612 11,201,507 15,660,142 15,473,730 42,335,379 10,274,065 9,261,410 19,535,475 Cash and cash equivalents at the end of year consist of :
8. Investments in shares 30 - 12,597 12,627 145,752 76,685 222,437 30 - 44,505 44,535 145,261 108,823 254,084 Cash 31,665,082 26,431,740 financial
Current accounts with Bank Indonesia 105,146,044 108,605,322
9. Other receivables
10. Commitments and contingencies
44,397
412,129
68,290 1,264,119 1,376,806
672,971
295,280 1,269,145 1,564,425
4,863 1,089,963 2,235,013 47,765 2,282,779
55,293
471,778
178,637 1,215,609 1,449,539
476,059
250,243 1,227,890 1,478,133
163,893 1,111,730 1,945,865 321,732 2,267,597
Current accounts with other banks 46,668,439 36,606,090 inclusion
Liquid short-term investments with maturity period of three months or less from the date of
TOTAL 9,606,235 17,409,980 13,869,610 40,885,828 16,340,919 13,931,298 30,272,218 11,785,467 16,402,822 16,922,587 45,110,876 13,655,822 10,959,704 24,615,526 acquisition 60,558,558 72,158,541 21.0%* 38.0%*
*) 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 244,038,123 243,801,693
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 32 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Bank Indonesia
p.1 ×5
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 ×3
unresolved
org
Bapepam
p.1 ×6
unresolved
org
Bank Indonesia Regulation
p.1
unresolved
org
Bank Mandiri's Individual Governance Factor Rating
p.1
unresolved
org
Bank Mandiri Financial Statement
p.1
unresolved
org
Bank BUMN
p.1
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