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The Jakarta Post WEDNESDAY July 31, 2024 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 2024 and 31 December 2023 (In Millions of Rupiah) For the Periods Ended 30 June 2024 and 2023 (In Millions of Rupiah) As of 30 June 2024 and 2023 (In Millions of Rupiah)
INDIVIDUAL CONSOLIDATED INDIVIDUAL CONSOLIDATED 30 June 2024 30 June 2023
NO DESCRIPTION 31 December 2023 31 December 2023 NO DESCRIPTION NO COMPONENTS OF CAPITAL
30 June 2024 30 June 2024 Individual Consolidated Individual Consolidated
(Audited) (Audited) 30 June 2024 30 June 2023 30 June 2024 30 June 2023
ASSETS OPERATING INCOME AND EXPENSES I CORE CAPITAL TIER 1 203,518,711 256,432,119 180,543,177 226,410,700
1. Cash 19,085,493 20,866,568 24,063,481 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) 203,518,711 256,432,119 180,543,177 226,410,700
2. Placements with Bank Indonesia 88,322,823 129,212,653 119,774,757 165,227,484 1.1 Paid-in Capital 11,666,667 11,666,667 11,666,667 11,666,667
1. Interest and Sharia Income 53,537,644 47,222,473 72,223,848 64,190,738 1.2 Disclosed Reserves 216,203,249 239,596,619 196,453,575 216,449,834
3. Placements with other banks 58,272,570 48,623,958 64,975,299 53,872,085
4. Spot and derivative receivables/forward 4,102,284 1,968,893 4,193,780 1,997,826 2. Interest and Sharia Expenses 16,852,573 12,188,588 23,142,786 16,883,801 1.2.1 Additional Factor 219,963,287 244,116,136 200,071,313 220,553,568
5. Securities *) 225,608,432 241,972,173 339,559,673 363,162,174 1.2.1.1 Other comprehensive income 34,612,468 35,202,499 35,148,014 35,376,753
Net Interest Income and Sharia Income (Expenses) 36,685,071 35,033,885 49,081,062 47,306,937
6. Securities sold under agreement to repurchase (Repo) 51,695,658 39,705,735 51,848,366 40,002,906 1.2.1.1.1 Excess differences arising from translation of financial statements 38,919 400,211 30,616 30,616
3. Premium Income - - 5,305,289 6,699,241 1.2.1.1.2 Potential gain from the increase in the fair value of financial assets measured
7. Securities purchased under agreement to resell (Reverse Repo) 3,978,932 16,205,580 7,395,340 22,692,928
4. Claim Expenses - - 4,203,810 5,753,661 at fair value through other comprehensive income 85,595 85,595 629,444 629,444
8. Acceptance receivables 15,189,281 14,462,941 15,279,645 14,793,888
1.2.1.1.3 Surplus of fixed assets revaluation 34,487,954 34,716,693 34,487,954 34,716,693
9. Loans 1,196,095,333 1,085,787,427 1,487,438,239 1,359,832,195 Net Premium Income (Claim Expenses) - - 1,101,479 945,580 1.2.1.2 Other disclosed reserves 185,350,819 208,913,637 164,923,299 185,176,815
10. Consumer financing receivables - - 39,384,277 32,749,796
Net Interest and Sharia Income (Expenses) and Net Premium Income 1.2.1.2.1 Agio 19,661,550 18,095,274 18,941,550 17,643,264
11. Sharia financing - - - - 36,685,071 35,033,885 50,182,541 48,252,517 1.2.1.2.2 General reserves 2,333,333 2,333,333 2,333,333 2,342,132
(Claim Expenses)
12. Investment in shares 14,009,645 14,999,632 2,279,633 1,861,487 1.2.1.2.3 Previous years profit 138,706,815 161,934,390 120,645,971 139,959,532
13. Others financials assets 36,989,207 35,662,501 38,908,990 37,473,559 B Other Operating Income and Expenses
1.2.1.2.4 Current year profit 24,649,121 26,550,640 23,002,445 25,231,887
14. Allowance for impairment on financial assets -/- 1. Gain (loss) from increase (decrease) in fair value of financial assets 821,275 674,699 902,697 891,441
1.2.1.2.5 Funds for paid-in capital - - - -
a. Securities (10,881) (10,684) (53,805) (149,665) 2. Gain (loss) from decrease (increase) in fair value of financial liabilities - - - - 1.2.1.2.6 Others - - - -
b. Loans and sharia financing **) (39,926,759) (42,323,522) (51,754,619) (53,881,833) 3. Gain (loss) from sale of financial assets 759,986 636,586 1,076,485 832,567 1.2.2 Deduction Factor (3,760,038) (4,519,517) (3,617,738) (4,103,734)
c. Others (1,640,224) (1,624,303) (1,718,254) (1,684,760) 1.2.2.1 Other comprehensive income (3,166,834) (2,990,381) (3,037,963) (2,561,460)
4. Gain (loss) from spot and derivative transaction/forward (realised) 238,249 (81,143) 253,249 (22,991)
15. Intangible assets 10,566,672 10,314,331 13,964,795 13,669,071 1.2.2.1.1 Negative differences arising from translation of financial statements (344,092) (344,092) (398,261) (140,141)
Accumulated amortisation for intangible assets -/- (6,847,677) (6,505,920) (8,216,505) (7,794,473) 5. Gain (loss) from investment in shares under equity method - - - - 1.2.2.1.2 Potential losses from the decrease in the fair value of financial assets
16. Premises and equipment ***) 70,366,949 69,604,803 84,281,556 82,315,031 6. Gain (loss) from foreign currencies translation - - - - measured at fair value through other comprehensive income (2,822,742) (2,646,289) (2,639,702) (2,421,319)
Accumulated depreciation for premises and equipment -/- (19,241,842) (18,194,545) (25,707,896) (24,337,324) 7. Dividend income 1,160,186 564,549 - - 1.2.2.2 Other disclosed reserves (593,204) (1,529,136) (579,775) (1,542,274)
17. Non earning assets 1.2.2.2.1 Disagio - - - -
8. Comissions/provisions/fees and administrative 8,377,103 7,554,833 10,774,216 9,420,597
a. Abandoned properties - net - - 9,403 9,403 1.2.2.2.2 Previous years loss - - - -
b. Repossessed assets - net - - - - 9. Other income 3,871,361 4,968,742 6,439,599 7,301,647 1.2.2.2.3 Current year loss - - - -
c. Suspense account - net 4,598,484 2,443,641 4,598,484 2,443,641 10. Impairment for financial assets 4,737,262 4,901,147 6,912,660 7,557,161 1.2.2.2.4 Negative differences in allowance for possible losses and allowance for
d. Interoffice assets - 36,498 - 36,498 11. Losses related to operational risk 11,607 (1,685) 22,235 8,857 impairment on earning assets - - - -
18. Lease financing - - 5,531,367 5,489,242 1.2.2.2.5 Negative differences in adjustment amounts of financial instruments based on
12. Salaries and employee benefits 8,018,059 7,806,018 12,233,221 11,750,610 valuation results in trading book and adjusment amounts based on financial
19. Other assets 26,304,797 25,642,025 41,765,428 38,006,550
13. Promotion expenses 328,224 257,183 762,790 614,193 accounting standards - - - -
TOTAL ASSETS 1,757,519,177 1,688,850,385 2,257,801,434 2,174,219,449
14. Other expenses 8,478,410 8,136,047 13,092,131 12,327,064 1.2.2.2.6 Required allowance for non earning assets (593,204) (1,529,136) (579,775) (1,542,274)
LIABILITIES AND EQUITY
1.2.2.2.7 Others - - - -
LIABILITIES Other Operating Income (Expenses) (6,345,402) (6,780,444) (13,576,791) (13,834,624) 1.3 Non controlling interest - 23,445,655 - 20,208,473
1. Demand deposits ****) 558,225,342 532,532,581 612,071,026 584,713,021 PROFIT (LOSS) FROM OPERATIONS 30,339,669 28,253,441 36,605,750 34,417,893 1.4 Deduction Factor of CET 1 (24,351,205) (18,276,822) (27,577,065) (21,914,274)
2. Saving deposits ****) 487,938,162 453,710,376 626,379,092 586,991,559 1.4.1 Deferred tax (6,670,095) (8,661,693) (9,040,842) (11,293,990)
3. Time deposits ****) 266,662,755 255,902,641 412,574,606 405,245,039 NON OPERATING INCOME AND EXPENSES 1.4.2 Goodwill - (482,091) - (482,091)
4. Electronic money 1,944,603 1,868,790 1,944,603 1,868,790 1. Gain (Loss) from sale of premises and equipment 825 1,231 1,462 5,269 1.4.3 Intangible assets (3,718,995) (5,229,004) (3,549,608) (4,255,054)
5. Fund from Bank Indonesia - - 11,953,631 11,900,055 1.4.4 Investments in shares calculated as deduction (13,962,115) (3,904,034) (14,986,615) (5,883,139)
2. Other non operating income (expenses) 44,087 30,944 (2,087) 16,154
6. Fund from other banks ****) 22,222,751 16,322,586 23,426,905 18,464,180 1.4.5 Shortfall of capital in insurance subsidiaries - - - -
7. Spot and derivative liabilities/forward 3,403,738 2,119,306 3,403,738 2,119,306 PROFIT (LOSS) FROM NON OPERATING 44,912 32,175 (625) 21,423 1.4.6 Securitisation exposure - - - -
8. Securities sold under agreement to repurchase liabilities (Repo) 49,331,123 36,097,856 49,433,079 36,330,064 PROFIT (LOSS) CURRENT PERIOD BEFORE TAX 30,384,581 28,285,616 36,605,125 34,439,316 1.4.7 Other deduction of CET 1 - - - -
9. Acceptance liabilities 15,189,281 14,462,941 15,150,494 14,793,888 1.4.7.1 Placement of funds in instrument Tier 2 to other banks - - - -
Income tax expenses
10. Securities issued 27,391,829 40,853,536 38,552,715 50,554,401 1.4.7.2 Cross-ownership in another entity acquired by the transfer due to law, grants, or grants
11. Fund borrowings 59,073,049 57,931,877 92,417,192 83,661,943 a. Estimated current tax (4,305,834) (4,804,058) (5,662,143) (6,286,257) will - - - -
12. Margin deposits received 1,031,214 1,350,583 1,031,214 1,350,583 b. Deferred tax income (expenses) (1,429,626) (479,113) (1,672,255) (449,458) 1.4.7.3 Exposures that give rise to credit risk due the settlement risk -
13. Interoffice liabilities 10,344 - 10,344 - Non Delivery Versus Payment - - - -
PROFIT (LOSS) CURRENT PERIOD 24,649,121 23,002,445 29,270,727 27,703,601 1.4.7.4 Exposures in Subsidiaries that conduct business activity based on sharia principles
14. Liability to unit-link policyholders - - 28,145,835 29,194,702
PROFIT (LOSS) MINORITY INTEREST - - 2,720,087 2,471,714 (if available) - - - -
15. Other liabilities 35,057,712 37,289,102 58,974,419 59,536,956
2. Additional Tier 1 (AT 1) - - - -
16. Minority interest - - 27,979,048 26,642,178 OTHER COMPREHENSIVE INCOME 2.1 Instrument which comply with AT 1 requirements - - - -
TOTAL LIABILITIES 1,527,481,903 1,450,442,175 2,003,447,941 1,913,366,665
1. Items that will not be reclassified to profit or loss 2.2 Agio/disagio - - - -
EQUITY 2.3 Deduction factor of AT 1 - - - -
17. Share capital a. Gain on fixed assets revaluation - - - -
2.3.1 Placement of funds in instrument AT 1 and/or Tier 2 to other banks - - - -
a. Authorised capital 16,000,000 16,000,000 16,000,000 16,000,000 b. Gain (loss) from remeasurement of defined benefits program - - 137,845 (53,553) 2.3.2 Cross-ownership in another entity acquired by the transfer due to law, grants, or grants
b. Unpaid-in capital-/- (4,333,333) (4,333,333) (4,333,333) (4,333,333) c. Others - - - - will - - - -
c. Treasury stock -/- - - - - II SUPPLEMENTAL CAPITAL TIER 2 13,181,842 16,092,921 11,332,204 13,798,572
2. Items that will be reclassified to profit or loss
18. Additional paid-in capital 1. Capital instrument in the form of stock or others which comply with Tier 2
a. Agio 19,661,550 18,941,550 18,095,274 17,643,264 a. Gain (loss) from translation of financial statements in foreign currencies 129,264 (5,891) 202,420 (49,100) requirements 193,895 373,895 128,905 243,488
b. Disagio -/- - - - - b. Gain (loss) from changes in the fair value of financial assets measured at 2. Agio/disagio - - - -
c. Funds for paid-in capital - - - - fair value through other comprehensive income (833,287) 704,176 (820,629) 1,008,257 3. General provision on earning assets (max. 1.25% credit risk - weighted assets) 12,987,947 15,719,026 11,203,299 13,555,084
d. Others - - - - c. Others - - (8,260) 6,296 4. Deduction supplemental capital - - - -
19. Other comprehensive income Other comprehensive income current period after income tax (704,023) 698,285 (488,624) 911,900 4.1 Sinking Fund - - - -
a. Gain 36,062,108 36,062,108 37,245,034 36,861,679 4.2 Placement of funds in Tier 2 instrument to other banks - - - -
TOTAL COMPREHENSIVE INCOME CURRENT PERIOD 23,945,098 23,700,730 28,782,103 28,615,501 4.3 Cross-ownership in another entity acquired by the transfer due to law, grants,
b. Losses -/- (3,042,320) (2,338,297) (3,471,845) (2,622,583)
20. Reserve Profit (loss) current period attributable to: or grants will - - - -
a. General reserve 2,333,333 2,333,333 2,333,333 2,333,333 PARENT ENTITY 24,649,121 23,002,445 26,550,640 25,231,887 TOTAL CAPITAL 216,700,553 272,525,040 191,875,381 240,209,272
b. Appropriated reserve - - - - 30 June 2024 30 June 2023 30 June 2024 30 June 2023
NON-CONTROLLING INTEREST 2,720,087 2,471,714 Individual Consolidated Individual Consolidated Individual Konsolidasian Individual Consolidated
21. Retained earning
TOTAL PROFIT (LOSS) CURRENT PERIOD 24,649,121 23,002,445 29,270,727 27,703,601 RISK WEIGHTED ASSETS CAR
a. Previous years *****) 171,742,849 145,348,353 194,970,424 164,612,749
Total comprehensive income current period attributable to: Credit Risk - Weighted
b. Current year 24,649,121 51,096,878 26,550,640 55,060,057 Assets 1,039,035,747 1,257,522,077 896,263,910 1,084,406,688 CET 1 Ratio (%) 18.17% 18.95% 18.78% 19.51%
c. Paid dividend -/- (33,036,034) (24,702,382) (33,036,034) (24,702,382) PARENT ENTITY 23,945,098 23,700,730 25,991,983 26,024,275 Market Risk - Weighted
TOTAL EQUITY ATTRIBUTABLE TO OWNER 230,037,274 238,408,210 254,353,493 260,852,784 NON-CONTROLLING INTEREST 2,790,120 2,591,226 Assets 18,062,580 19,821,130 6,488,268 7,639,119 Tier 1 Ratio (%) 18.17% 18.95% 18.78% 19.51%
TOTAL EQUITY 230,037,274 238,408,210 254,353,493 260,852,784 Operational Risk -
TOTAL COMPREHENSIVE INCOME CURRENT PERIOD 23,945,098 23,700,730 28,782,103 28,615,501 Weighted Assets 62,675,961 75,849,894 58,720,278 68,332,364 Tier 2 Ratio (%) 1.18% 1.19% 1.18% 1.19%
TOTAL LIABILITIES DAN EQUITY 1,757,519,177 1,688,850,385 2,257,801,434 2,174,219,449
*) Including Securities owned by Subsidiary which classified "At Cost" in accordance with SFAS No. 110 "Accounting for Sukuk" which has effective since TRANSFER PROFIT (LOSS) TO HEAD OFFICE - - - - Total Risk Weighted Capital Adequacy
1 January 2012. Assets 1,119,774,288 1,353,193,101 961,472,456 1,160,378,171 Ratio (%) 19.35% 20.14% 19.96% 20.70%
**) Consolidated balance includes allowance for impairment for consumer financing receivables and lease financing from Subsidiaries. DIVIDEND - - - -
***) Including right of use assets. CAR BASED ON RISK CET 1 FOR
****) Consolidated balance includes temporary syirkah funds from Subsidiary. EARNINGS PER SHARE (in Rupiah) *) 264.10 246.45 284.47 270.34 PROFILE % 9.68% 9.75% 9.68% 9.70% BUFFER (%) 9.67% 10.39% 10.28% 11.00%
*****) 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 for the period ended 30 June 2023 was restated due to stock split. CAPITAL ALLOCATION FOR CAR BASED ON RISK PROFILE PERCENTAGE OF BUFFER MANDATORY FULFILLED BY BANK
Capital Conserva-
Statements of Financial Ratios Statements of Commitments and Contingencies From CET 1 (%) 8.50% 8.56% 8.50% 8.51% tion Buffer (%) 2.50% 2.50% 2.50% 2.50%
As of 30 June 2024 and 2023 (In %) As of 30 June 2024 and 31 December 2023 (In Millions of Rupiah) Countercyclical
From AT 1 (%) - - - - Buffer (%) 0.00% 0.00% 0.00% 0.00%
INDIVIDUAL INDIVIDUAL INDIVIDUAL CONSOLIDATED Capital Surcharge
NO RATIOS NO RATIOS
30 June 2024 30 June 2023 30 June 2024 30 June 2023 NO DESCRIPTION 31 December 2023 31 December 2023 for Systemic
30 June 2024 30 June 2024 From Tier 2 (%) 1.18% 1.19% 1.18% 1.19% Bank (%) 2.50% 2.50% 2.50% 2.50%
PERFORMANCE RATIOS COMPLIANCE (Audited) (Audited)
1. Capital Adequacy Ratio (CAR) 19.35% 19.96% 1. a. Percentage violation of Legal I COMMITMENT RECEIVABLES
2. Non-performing earning assets and Lending Limit 1. Unused fund borrowings/financing facilities - - - - Statements of Spot and Derivative Transactions
non-performing non-earning 2. Outstanding purchase position of spot and derivative/forward 349,347,631 252,306,483 350,965,929 253,078,400 As of 30 June 2024 (In Millions of Rupiah)
i. Related parties 0.00% 0.00%
assets to total earning assets and 3. Others - - - - INDIVIDUAL
non-earning assets 0.71% 0.98% ii. Third parties 0.00% 0.00%
II COMMITMENT PAYABLES NO TRANSACTION NOTIONAL AMOUNT Type Derivative Receivables & Payables
3. Non-performing earning assets to b. Percentage of excess of Legal
1. Unused loan/financing facilities granted to customers Trading Hedging Receivables Payables
total earning assets 0.69% 0.96% Lending Limit
i. Committed 56,818,092 52,804,931 56,819,852 52,498,506 A. Exchange Rate Related
4. Allowance for impairment on i. Related parties 0.00% 0.00% 1. Spot 15,504,920 15,504,920 - 10,096 16,361
financial assets to earning assets 2.60% 3.82% ii. Uncommitted 182,648,841 163,441,539 183,389,298 163,845,572
ii. Third parties 0.00% 0.00% 2. Forward 71,268,155 71,268,155 - 367,830 557,392
5. Gross NPL 1.01% 1.53% 2. Outstanding irrevocable letters of credit 24,936,682 20,515,997 25,116,003 20,881,972 3. Option
2. Reserve requirement 3. Outstanding sales position of spot and derivative/forward 348,528,715 252,397,142 352,616,473 255,254,227
6. Net NPL 0.35% 0.29% a. Written 11,461,827 10,806,827 655,000 579 228,233
a. Primary reserve requirement Rupiah 5.41% 7.69% 4. Others - - - - b. Purchased 9,754,229 9,426,729 327,500 238,046 13
7. Return on Asset (ROA) 3.58% 3.72%
i. Daily 0.00% 0.00% III CONTINGENT RECEIVABLES 4. Future - - - - -
8. Return on Equity (ROE) 24.39% 25.78%
ii. Average 5.41% 7.69% 1. Guarantees received 38,487,853 28,992,163 38,737,162 29,226,582 5. Swap 188,712,951 169,848,720 18,864,231 1,571,672 936,301
9. Net Interest Margin (NIM) 4.92% 5.30% 6. Others - - - - -
b. Reserve requirement foreign currencies 4.10% 4.10% 2. Others 34,440 34,338 34,440 34,338
10. Operating Expenses to B. Interest Rate Related
Operating Income 55.88% 54.09% i. Daily 2.00% 2.00% IV CONTINGENT PAYABLES
1. Forward - - - - -
11. Cost to Income Ratio (CIR) 32.43% 32.82% ii. Average 2.10% 2.10% 1. Guarantees issued 133,931,579 126,521,898 136,474,412 129,359,735 2. Option
12. Loan to Deposit Ratio (LDR) 90.48% 85.68% 3. Net Open Position-overall 0.68% 1.34% 2. Others 3,589,018 3,268,517 3,589,018 3,268,517 a. Written - - - - -
b. Purchased - - - - -
Statements of Assets' Quality and Other Information 3. Future - - - - -
As of 30 June 2024 and 2023 (In Millions of Rupiah) Management of The Bank 4. Swap 56,102,551 53,836,508 2,266,043 604,394 489,342
5. Others 32,253,867 32,253,867 - 1,309,509 1,173,762
INDIVIDUAL Board of Commissioners C. Others 1,270,000 1,270,000 - 158 2,334
30 June 2024 30 June 2023 President Commissioner/Independent : Muhamad Chatib Basri
NO DESCRIPTION TOTAL 386,328,500 364,215,726 22,112,774 4,102,284 3,403,738
Special Sub Special Sub
Current Doubtful Loss Total Current Doubtful Loss Total Deputy President Commissioner/Independent : Zainudin Amali *)
Mention Standard Mention Standard
I RELATED PARTIES Independent Commissioner : Loeke Larasati Agoestina Statements of Cash Flows
1. Placements with other banks For the Periods Ended 30 June 2024 and 2023 (In Millions of Rupiah)
Independent Commissioner : Muliadi Rahardja
a. Rupiah - - - - - - 22 - - - - 22
b. Foreign currencies 1,232,773 - - - - 1,232,773 1,091,035 - - - - 1,091,035 Independent Commissioner : Heru Kristiyana CONSOLIDATED
DESCRIPTION
2. Spot and derivative receivables/forward Commissioner : Rionald Silaban 30 June 2024 30 June 2023
a. Rupiah - - - - - - - - - - - - Commissioner : Faried Utomo CASH FLOWS FROM OPERATING ACTIVITIES
b. Foreign currencies - - - - - - - - - - - -
Commissioner : Arif Budimanta Receipts from interest income 60,047,010 53,325,378
3. Securities
Commissioner : Muhammad Yusuf Ateh Receipts from sharia income 10,154,597 8,900,943
a. Rupiah 177,669 - - - - 177,669 64,459 - - - - 64,459
Receipts from provision, commission and premium income 15,995,368 15,923,646
b. Foreign currencies - - - - - - - - - - - - Commissioner : Tedi Bharata **) Payments of interest expenses (18,161,247) (14,015,838)
4. Securities sold with agreement to repurchase (Repo) Board of Directors Payments of sharia expenses (3,868,804) (2,754,774)
a. Rupiah - - - - - - - - - - - -
President Director : Darmawan Junaidi Payment of insurance claims expenses (4,203,810) (5,753,661)
b. Foreign currencies - - - - - - - - - - - -
Deputy President Director : Alexandra Askandar
Receipts from the sale of government bonds measured at fair value through profit or loss 82,389,274 100,645,768
5. Securities purchased with agreement to resell
Acquisitions of government bonds measured at fair value through profit or loss (86,048,976) (103,280,055)
a. Rupiah - - - - - - - - - - - - Director of Compliance and HR : Agus Dwi Handaya Income from financial assets measured at fair value through profit of loss classification - net 1,841,613 3,333,661
b. Foreign currencies - - - - - - - - - - - -
Director of Corporate Banking : Riduan Other operating income - others 2,391,727 2,250,840
6. Acceptances receivables 765 - - - - 765 256 - - - - 256
Director of Network and Retail Banking : Aquarius Rudianto Other operating expenses - others (4,977,378) (5,184,795)
7. Loans and financing
Salaries and employee benefits expenses (16,909,250) (14,571,054)
a. Micro, small and medium loans (UMKM) - - - - - - - - - - - - Director of Operation : Toni Eko Boy Subari
i. Rupiah - - - - - - - - - - - -
General and administrative expenses (8,403,978) (7,493,234)
Director of Institutional Relationship : Rohan Hafas Non-operating (expenses)/income - net (2,087) 16,154
ii. Foreign currencies - - - - - - - - - - - -
b. Non UMKM 8,124,913 151 - - - 8,125,064 5,383,436 1,329 - - - 5,384,765 Director of Finance and Strategy : Sigit Prastowo Payment of corporate income tax (6,336,428) (7,178,288)
i. Rupiah 7,307,863 151 - - - 7,308,014 4,933,661 1,329 - - - 4,934,990 Director of Information Technology : Timothy Utama Cash Flows from Operating Activities Before Changes in Operating Assets and Liabilities 23,907,631 24,164,691
ii. Foreign currencies 817,050 - - - - 817,050 449,775 - - - - 449,775 Decrease/(Increase) in Operating Assets:
Director of Treasury and International Banking : Eka Fitria
c. Restructured loans*) - - - - - - - - - - - - Placements with Bank Indonesia and other banks (1,659,180) (466,529)
Director of Risk Management : Danis Subyantoro ***) Marketable securities measured at fair value through profit or loss (29,396) 2,955,784
i. Rupiah - - - - - - - - - - - -
ii. Foreign currencies - - - - - - - - - - - - Director of Commercial Banking : Totok Priyambodo ***) Other receivables - trade transactions (474,610) 4,651,842
8. Investments in shares 13,536,121 - 414,227 25,191 - 13,975,539 14,526,121 - 414,227 94,191 - 15,034,539 Loans (118,613,436) (59,492,456)
*) In accordance with the resolution of the Annual General Meeting of Shareholders of Bank Mandiri
9. Other receivables - - - - - - - - - - - - dated 7 March 2024, he was transferred to the position of Deputy President Commissioner/ Sharia receivables/financing (17,698,475) (15,464,212)
10. Commitments and contingencies Independent of the Company, which position transfer is effective after obtaining approval from the Securities purchased under agreement to resell 15,297,588 (5,244,385)
Financial Services Authority for the Fit and Proper Test Assessment and fulfilling the applicable laws
a. Rupiah 473,658 38 - - - 473,696 395,605 1,307 - - - 396,912 and regulations. Consumer financing receivables (7,295,939) (4,391,633)
b. Foreign currencies - - - - - - - - - - - - **) In accordance with the resolution of the Annual General Meeting of Shareholders of Bank Mandiri Net investment in lease financing (68,266) 302,818
dated 7 March 2024, he was appointed as a member of the Board of Commissioners of the Company, Prepaid taxes (394,340) (104,333)
II THIRD PARTIES which appointment is effective after obtaining approval from the Financial Services Authority for
1. Placements with other banks the Fit and Proper Test Assessment and fulfilling the applicable laws and regulations. Prepaid expenses (1,121,836) (1,103,123)
***) In accordance with the resolution of the Annual General Meeting of Shareholders of Bank Mandiri Other assets (6,579,782) (10,616,440)
a. Rupiah 2,440,641 - - - - 2,440,641 14,731,279 - - - - 14,731,279 dated 7 March 2024, he was appointed as a member of the Board of Directors of the Company,
b. Foreign currencies 64,424,157 - - - - 64,424,157 53,667,215 - - - - 53,667,215 which appointment is effective upon approval from the Financial Services Authority for the Fit and Recovery of written - off financial assets 4,067,073 5,072,606
2. Spot and derivative receivables/forward Proper Test Assessment and compliance with applicable laws and regulations. Increase/(Decrease) in Operating Liabilities and Temporary Syirkah Funds:
a. Rupiah 3,945,683 - - - - 3,945,683 1,789,073 - - - - 1,789,073 Conventional Banking
b. Foreign currencies 156,601 - - - - 156,601 137,074 - - - - 137,074 Shareholders Demand deposits 24,432,922 (43,273,003)
3. Securities Saving deposits 38,188,095 3,005,879
a. Rupiah 177,995,827 - - - 25,130 178,020,957 209,579,923 - - - - 209,579,923 Ultimate Shareholder Time deposits 14,369,163 (15,550,897)
b. Foreign currencies 47,409,806 - - - - 47,409,806 52,872,590 - - - - 52,872,590 Republic of Indonesia 52.00% Interbank call money 2,294,677 1,537,110
4. Securities sold with agreement to repurchase (Repo) Non Ultimate Shareholder through Capital Market (≥ 5%) Nil
Obligation due immediately 105,840 863,578
a. Rupiah 34,015,711 - - - - 34,015,711 14,628,537 - - - - 14,628,537 Liability to unit-link policyholders (1,048,867) (218,323)
b. Foreign currencies 17,679,947 - - - - 17,679,947 9,167,927 - - - - 9,167,927 Non Ultimate Shareholder through non Capital Market (≥ 5%) Other taxes payable (974,215) (484,265)
5. Securities purchased with agreement to resell Indonesia Investment Authority 8.00% Other liabilities 7,549,927 11,688,867
a. Rupiah 3,978,932 - - - - 3,978,932 11,093,351 - - - - 11,093,351 Sharia Banking - Temporary Syirkah Funds
b. Foreign currencies - - - - - - - - - - - - Demand deposits - restricted investment and mudharabah musytarakah demand deposits 1,979,869 (1,870,676)
6. Acceptances receivables 15,188,516 - - - - 15,188,516 9,400,539 60,627 - 6,134 - 9,467,300 Awards Saving deposits - restricted investment and unrestricted investment - mudharabah 1,004,219 (2,852,501)
7. Loans and financing Mudharabah time deposits - unrestricted investment (3,231,113) 635,994
a. Micro, small and medium loans (UMKM) 121,035,935 4,321,681 478,075 826,568 578,334 127,240,593 113,117,487 4,731,641 624,174 869,950 331,022 119,674,274 Net Cash Used in Operating Activities (25,992,451) (106,253,607)
i. Rupiah 120,504,297 4,321,681 478,075 826,568 578,334 126,708,955 112,746,853 4,731,641 624,174 869,950 331,022 119,303,640 LinkedIn Top Companies 2024 in World Best Bank 2024 CASH FLOWS FROM INVESTING ACTIVITIES
ii. Foreign currencies 531,638 - - - - 531,638 370,634 - - - - 370,634 Indonesia Forbes Global 2000 Decrease in marketable securities - other than at fair value through profit or loss 7,749,599 13,235,891
b. Non UMKM 1,007,523,308 43,047,579 3,477,242 1,987,933 4,693,614 1,060,729,676 801,404,585 45,098,116 1,545,446 5,127,282 6,446,156 859,621,585 Rank 1 Top Ranked State-Owned Enterprise Bank Decrease in government bonds - other than measured at fair value through profit or loss 5,613,441 15,647,478
i. Rupiah 737,379,791 33,417,621 3,477,242 1,981,387 3,176,418 779,432,459 589,955,626 31,271,553 1,545,446 4,622,810 4,204,302 631,599,737 Finance Asia Awards 2024 Asian Banking & Finance (ABF) Proceeds from sale of fixed assets 1,808 5,441
ii. Foreign currencies 270,143,517 9,629,958 - 6,546 1,517,196 281,297,217 211,448,959 13,826,563 - 504,472 2,241,854 228,021,848 Best Bank Awards 2024 Acquisitions of fixed assets (933,518) (460,567)
c. Restructured loans*) 34,156,906 34,919,885 2,580,854 530,953 3,628,973 75,817,571 38,252,091 36,985,215 1,160,689 4,379,579 6,067,375 86,844,949 Best Sustainable Bank Best Indonesia Domestic Trade Finance Acquisitions of intangible assets (623,988) (475,756)
i. Rupiah 26,296,590 25,289,927 2,580,854 530,953 2,111,874 56,810,198 33,441,974 23,159,496 1,160,689 3,876,321 3,836,908 65,475,388 Bank of the Year Acquisitions of right of use assets (921,712) (812,035)
Biggest ESG Impact - Banks
ii. Foreign currencies 7,860,316 9,629,958 - - 1,517,099 19,007,373 4,810,117 13,825,719 - 503,258 2,230,467 21,369,561 Best Indonesia Domestic Cash Increase of investment in Subsidiaries (15,072) (872,766)
8. Investments in shares - - - - 34,106 34,106 - - - - 34,123 34,123 Best Corporate Bank - Large Corp & MNCs Management Bank of the Year Proceeds from control transfer of a Subsidiary 1,710,000 -
9. Other receivables 25,809,917 16,450 - - 1,283,544 27,109,911 27,742,753 266,115 18,116 - 1,187,500 29,214,484 Most Innovative Use of Technology Digital Transformation of the Year - Indonesia Net Cash Provided by Investing Activities 12,580,558 26,267,686
10. Commitments and contingencies 18th Annual Alpha Southeast Asia- Domestic Retail Bank of the Year - Indonesia CASH FLOWS FROM FINANCING ACTIVITIES
a. Rupiah 251,338,163 1,122,906 1,820 60,645 39,166 252,562,700 213,132,641 1,156,614 2,871 99,994 176,172 214,568,292 Best Financial Institution Award 2024 Receipts from debt securities issued 13,656,848 6,700,334
Mobile Banking & Payment Initiative
b. Foreign currencies 144,263,605 1,033,090 - 2,103 - 145,298,798 139,675,627 6,156,771 321 7,632 700 145,841,051 Best Digital Bank in Indonesia of the Year - Indonesia Payments of debt securities issued (27,390,768) (2,075,000)
III OTHER INFORMATION Best Retail Bank Receipts from fund borrowings 37,664,342 34,028,143
AI & Machine Learning Initiative
1. Value of bank's assets pledged as collateral of the Year - Indonesia Payments of fund borrowings (29,991,930) (11,558,078)
Best Cash Management Bank in Indonesia
a. To Bank Indonesia - -
Receipts from subordinated loans and marketable securities - 100,000
b. To others - - Best Transactional Banking Online Platform Data Governance Initiative of the Year
(Indonesia) - Indonesia Payments of subordinated loans and marketable securities (8,366) (11,979)
2. Repossessed assets**) - -
Private Bank of the Year - Indonesia Increase/(decrease) in securities sold under agreements to repurchase liabilities 11,003,429 (1,364,234)
*) Include restructured loans due to Covid-19.
**) Repossessed assets are presented net after the allowance for impairment of assets. Payments of dividends (33,036,034) (24,702,382)
Net Cash (Used in)/Provided by Financing Activities (28,102,479) 1,116,804
Allowance for Impairment (CKPN) and Allowance for Asset Quality Assessment (PPKA) Net Decrease in Cash and Cash Equivalents (41,514,372) (78,869,117)
As of 30 June 2024 dan 2023 (In Millions of Rupiah) Effect of Exchange Rate Changes on Cash and Cash Equivalents 4,564,843 (3,214,722)
Cash and Cash Equivalents at the Beginning of Period 243,801,693 274,889,544
INDIVIDUAL
Cash and Cash Equivalents At Beginning of Period from a Subsidiary Transferred to an Entity
30 June 2024 30 June 2023 Under Common Control (758,716) -
Allowance for Asset Quality Allowance for Asset Quality Cash and Cash Equivalents at the End of Period 206,093,448 192,805,705
Allowance for Impairment (CKPN) Allowance for Impairment (CKPN)
NO DESCRIPTION Assessment (PPKA) Assessment (PPKA) Cash and cash equivalents at the end of period consist of :
Total Total
Total Total Cash 24,063,481 27,681,721
Allowance for Allowance for
Stage 1 Stage 2 Stage 3 Allowance for General Specific Stage 1 Stage 2 Stage 3 Allowance for General Specific Current accounts with Bank Indonesia 88,662,881 89,917,101
Asset Quality Asset Quality
Impairment Impairment Current accounts with other banks 49,750,496 27,364,451
Assessment Assessment
1. Placements with other banks 16,665 - - 16,665 582,726 - 582,726 10,817 - - 10,817 341,369 - 341,369 Liquid short-term investments with maturity period of three months or less from the date of acquisition 43,616,590 47,842,432
2. Spot and derivative receivables/forward - - - - 37,315 - 37,315 - - - - 19,130 - 19,130 Total Cash and Cash Equivalents 206,093,448 192,805,705
3. Securities *) 14,297 - 17,888 32,185 333,901 25,130 359,031 15,790 - - 15,790 356,851 - 356,851
4. Securities sold under agreement to repurchase (Repo) - - - - 7,821 - 7,821 - - - - 7,193 - 7,193
NOTES
5. Securities purchased under agreement to resell (Reverse Repo) - - - - 33,913 - 33,913 - - - - 31,693 - 31,693 1. The above financial information is extracted from the interim Consolidated Financial Statements of PT Bank Mandiri (Persero) Tbk.
6. Acceptance receivables 26,735 5,469 - 32,204 151,893 - 151,893 34,882 125,521 4,721 165,124 94,008 6,098 100,106 (“Bank”) and its Subsidiaries as of 30 June 2024 and for the six months period then ended, as prepared by the Bank's Management in
7. Loans and financing *) 10,249,101 18,210,664 11,573,800 40,033,565 11,366,842 9,640,968 21,007,810 11,666,016 27,211,366 12,300,023 51,177,405 9,199,055 12,592,791 21,791,846 accordance with Indonesian Financial Accounting Standards. The Consolidated Financial Statements of PT Bank Mandiri (Persero) Tbk.
8. Investments in shares 30 - 44,530 44,560 135,361 108,835 244,196 30 - 79,047 79,077 145,261 143,352 288,613 (“Bank”) and its Subsidiaries as of 31 December 2023 and for the year then ended, as prepared by the Bank's Management in accordance
9. Other receivables 44,615 218,636 1,283,544 1,546,795 258,099 1,284,367 1,542,466 72,484 963,172 1,205,616 2,241,272 277,427 1,203,523 1,480,950 with Indonesian Financial Accounting Standards have been audited by KAP Tanudiredja, Wibisana, Rintis & Rekan (a member firm of PwC
10. Commitments and contingencies 436,297 470,157 126,182 1,032,636 2,147,863 108,326 2,256,189 506,076 631,677 248,749 1,386,502 1,869,359 487,034 2,356,393 global network) with Lucy Luciana Suhenda, S.E., Ak., CPA, as partner in charge, an independent auditor, in accordance with Standards
TOTAL 10,787,740 18,904,926 13,045,944 42,738,610 15,055,734 11,167,626 26,223,360 12,306,095 28,931,736 13,838,156 55,075,987 12,341,346 14,432,798 26,774,144 on Auditing established by the Indonesian Institute of Certified Public Accountants with an unmodified audit opinion, as stated in the
*) 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. report dated 31 January 2024.
2. The above published financial statements are presented to comply with the Financial Services Authority Regulation (FSAR)
No. 37/POJK.03/2019 dated 19 December 2019 regarding the Transparency and Published Financial Statements of the Bank and Circular
Letter of Financial Services Authority (CLFSA) No. 9/SEOJK.03/2020 dated 30 June 2020 regarding the Transparency and Published
Bank Mandiri Consolidated Financial Performance ESG Performance Financial Statements of Commercial Coventional Bank's Report and Circular Letter of Financial Services Authority No. S-2/ PB.11/2020
dated 20 January 2020 regarding Changes to Published Financial Statements Format and also in accordance with the FSAR
Fee Based No. 14/POJK.04/2022 dated 22 August 2022 regarding Submission of Periodic Financial Statements for Issuers or Public Companies
Income Livin' and LK No. Kep-346/BL/2011 dated 5 July 2011 regarding the Submission of Periodic Financial Statements for Issuers or Public
Total Loans** Total Third Party Funds Net Profit Finance Asia Awards 2024
Companies. Financial information and Statement of Cash Flows which included in the Published Financial Statements have been
1.18Tn
Best Sustainable Bank
Rp 1,532Tn Rp 1,651Tn Rp 26.55Tn Rp Biggest ESG Impact
prepared in accordance with Bapepam and LK Regulation No. VIII.G7, Attachment to Decision of Chairman of Bapepam and
LK No. Kep-347/BL/2012 dated 25 June 2012.
3. Related Parties in the Statement of Assets' Quality and Other Information are presented in accordance with the Bank Indonesia
20.46%* 15.45%* 5.23%* 26.44%* 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
Sustainable No. 32/POJK.03/2018 regarding The Legal Lending Limit and Provisions of Large Fund for Commercial Banks.
Total Assets NPL Ratio CASA Ratio Portfolio 4. Exchange rate of 1 US Dollar as at 30 June 2024, 31 December 2023 and 30 June 2023 were Rp16,375.00, Rp15,397.00 and Rp14,992.50,
Rp 2,258Tn 1.16 % 75.01% Rp 278Tn respectively.
Jakarta, 31 July 2024
14.96%* 14.7%* S. E & O
Board of Directors
Finance Asia Awards 2024 PT Bank Mandiri (Persero) Tbk.
ROE Tier-1 (Bank Only) NPL Coverage Ratio Green Portfolio
Indonesia’s
24.39% 292.63% Best Bank!
Registered User
Rp 139Tn
* YoY (June 2024 to June 2023) ** Including consumer financing receivables and finance leases from Subsidiaries
26 million 20.4%* Darmawan Junaidi Sigit Prastowo
35%* President Director Director of Finance and Strategy
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Bank Mandiri is licensed and supervised by the Indonesia Financial Service Authority (OJK) Bank Mandiri Financial Statement
and Bank of Indonesia also an insured member of Deposit Insurance Corporation (LPS). https://bmri.id/quarterlyfinancials
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