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The Jakarta Post TUESDAY April 30, 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 31 March 2024 and 31 December 2023 (In Millions of Rupiah) For the Periods Ended 31 March 2024 and 2023 (In Millions of Rupiah) As of 31 March 2024 and 2023 (In Millions of Rupiah)
INDIVIDUAL CONSOLIDATED INDIVIDUAL CONSOLIDATED 31 March 2024 31 March 2023
NO DESCRIPTION 31 December 2023 31 December 2023 NO DESCRIPTION NO COMPONENTS OF CAPITAL
31 March 2024 31 March 2024 31 March 2024 31 March 2023 31 March 2024 31 March 2023 Individual Consolidated Individual Consolidated
(Audited) (Audited)
ASSETS OPERATING INCOME AND EXPENSES I CORE CAPITAL TIER 1 189,039,591 240,719,061 168,321,434 212,611,980
1. Cash 20,351,596 20,866,568 26,919,539 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) 189,039,591 240,719,061 168,321,434 212,611,980
2. Placements with Bank Indonesia 89,861,763 129,212,653 124,689,600 165,227,484 1. Interest and Sharia Income 26,207,191 23,049,201 35,535,295 31,391,032 1.1 Paid-in Capital 11,666,667 11,666,667 11,666,667 11,666,667
3. Placements with other banks 56,960,330 48,623,958 63,224,346 53,872,085
2. Interest and Sharia Expenses 8,242,599 6,117,010 11,349,428 8,381,994 1.2 Disclosed Reserves 202,857,721 226,181,553 184,370,690 203,584,096
4. Spot and derivative receivables/forward 2,973,279 1,968,893 3,020,823 1,997,826
Net Interest Income and Sharia Income 1.2.1 Additional Factor 205,952,207 229,686,657 187,568,727 207,286,995
5. Securities *) 233,722,416 241,972,173 347,741,891 363,162,174
(Expenses) 17,964,592 16,932,191 24,185,867 23,009,038 1.2.1.1 Other comprehensive income 34,844,753 35,073,492 34,553,157 34,781,896
6. Securities sold under agreement to repurchase
(Repo) 39,938,517 39,705,735 40,407,536 40,002,906 3. Premium Income - - 3,315,987 3,042,656 1.2.1.1.1 Excess differences arising from translation of
7. Securities purchased under agreement to resell
financial statements 56,062 56,062 37,692 37,692
4. Claim Expenses - - 2,773,006 2,578,646
(Reverse Repo) 545,896 16,205,580 8,155,469 22,692,928 1.2.1.1.2 Potential gain from the increase in the fair value
Net Premium Income (Claim Expenses) - - 542,981 464,010 of financial assets measured at fair value
8. Acceptance receivables 13,276,032 14,462,941 13,354,037 14,793,888
Net Interest and Sharia Income (Expenses) and through other comprehensive income 300,737 300,737 27,511 27,511
9. Loans 1,113,886,426 1,085,787,427 1,393,927,895 1,359,832,195 Net Premium Income (Claim Expenses) 17,964,592 16,932,191 24,728,848 23,473,048 1.2.1.1.3 Surplus of fixed assets revaluation 34,487,954 34,716,693 34,487,954 34,716,693
10. Consumer financing receivables - - 36,052,844 32,749,796
B Other Operating Income and Expenses 1.2.1.2 Other disclosed reserves 171,107,454 194,613,165 153,015,570 172,505,099
11. Sharia financing - - - -
1. Gain (loss) from increase (decrease) in fair value 1.2.1.2.1 Agio 18,941,550 17,643,264 18,941,550 17,643,264
12. Investment in shares 14,999,664 14,999,632 1,872,301 1,861,487
of financial assets 446,394 312,139 576,462 390,858 1.2.1.2.2 General reserves 2,333,333 2,333,333 2,333,333 2,342,132
13. Others financials assets 36,068,206 35,662,501 37,891,069 37,473,559
14. Assets held for sale - - 3,207,997 -
2. Gain (loss) from decrease (increase) in fair value 1.2.1.2.3 Previous years profit 138,706,815 161,934,390 120,645,971 139,959,532
of financial liabilities - - - - 1.2.1.2.4 Current year profit 11,125,756 12,702,178 11,094,716 12,560,171
15. Allowance for impairment on financial assets -/-
a. Securities (11,169) (10,684) (152,172) (149,665) 3. Gain (loss) from sale of financial assets 476,665 393,975 631,233 465,058 1.2.1.2.5 Funds for paid-in capital - - - -
b. Loans and sharia financing **) (41,422,211) (42,323,522) (53,018,433) (53,881,833) 4. Gain (loss) from spot and derivative transaction/ 1.2.1.2.6 Others - - - -
c. Others (1,568,232) (1,624,303) (1,651,375) (1,684,760) forward (realised) 52,950 (11,673) 59,731 21,141 1.2.2 Deduction Factor (3,094,486) (3,505,104) (3,198,037) (3,702,899)
16. Intangible assets 10,366,426 10,314,331 14,007,512 13,669,071 5. Gain (loss) from investment in shares under equity 1.2.2.1 Other comprehensive income (2,579,449) (2,062,195) (2,931,070) (2,572,296)
Accumulated amortisation for intangible method - - - - 1.2.2.1.1 Negative differences arising from translation of
assets -/- (6,661,840) (6,505,920) (7,968,667) (7,794,473) 6. Gain (loss) from foreign currencies translation - - - - financial statements (463,061) (143,479) (401,824) (141,281)
17. Premises and equipment ***) 69,944,864 69,604,803 82,759,092 82,315,031 1.2.2.1.2 Potential losses from the decrease in the fair
7. Dividend income - - - - value of financial assets measured at fair value
Accumulated depreciation for premises and 8. through other comprehensive income (2,116,388) (1,918,716) (2,529,246) (2,431,015)
equipment -/- (18,709,778) (18,194,545) (24,977,528) (24,337,324) Comissions/provisions/fees and administrative 4,015,392 3,696,308 5,134,965 4,703,260
9. Other income 1,903,012 2,962,497 3,202,948 4,204,067 1.2.2.2 Other disclosed reserves (515,037) (1,442,909) (266,967) (1,130,603)
18. Non earning assets
a. Abandoned properties - net - - 9,403 9,403 10. Impairment for financial assets 2,552,773 2,426,476 3,591,596 3,657,882 1.2.2.2.1 Disagio - - - -
b. Repossessed assets - net - - - - 11. 1.2.2.2.2 Previous years loss - - - -
Losses related to operational risk 3,530 (2,636) 13,294 (1,475)
c. Suspense account - net 2,543,189 2,443,641 2,543,189 2,443,641 1.2.2.2.3 Current year loss - - - -
12. Salaries and employee benefits 3,990,315 3,961,630 6,045,981 5,916,228
d. Interoffice assets 40,251 36,498 40,251 36,498 1.2.2.2.4 Negative differences in allowance for possible
13. Promotion expenses 133,495 129,899 314,721 296,639 losses and allowance for impairment on
19. Lease financing - - 5,506,078 5,489,242 earning assets - - - -
20. Other assets 29,345,043 25,642,025 46,222,546 38,006,550
14. Other expenses 4,401,213 4,036,226 6,763,337 6,147,039
Other Operating Income (Expenses) - net (4,186,913) (3,198,349) (7,123,590) (6,231,929) 1.2.2.2.5 Negative differences in adjustment amounts of
TOTAL ASSETS 1,666,450,668 1,688,850,385 2,163,785,243 2,174,219,449 financial instruments based on valuation results
LIABILITIES AND EQUITY PROFIT (LOSS) FROM OPERATIONS 13,777,679 13,733,842 17,605,258 17,241,119 in trading book and adjusment amounts based
LIABILITIES NON OPERATING INCOME AND EXPENSES on financial accounting standards - - - -
1. Demand deposits ****) 507,036,303 532,532,581 562,103,136 584,713,021 1.2.2.2.6 Required allowance for non earning assets (515,037) (1,442,909) (266,967) (1,130,603)
1. Gain (loss) from sale of premises and equipment 109 924 243 951
2. Saving deposits ****) 472,147,699 453,710,376 606,831,732 586,991,559 1.2.2.2.7 Others - - - -
2. Other non operating income (expenses) 18,820 7,424 (2,894) 13,872
3. Time deposits ****) 253,338,382 255,902,641 402,956,225 405,245,039 1.3 Non controlling interest - 22,977,625 - 19,624,769
4. Electronic money 1,858,472 1,868,790 1,858,472 1,868,790 PROFIT (LOSS) FROM NON OPERATING 18,929 8,348 (2,651) 14,823 1.4 Deduction Factor of CET 1 (25,484,797) (20,106,784) (27,715,923) (22,263,552)
5. Fund from Bank Indonesia - - 11,131,252 11,900,055 PROFIT (LOSS) CURRENT PERIOD BEFORE TAX 13,796,608 13,742,190 17,602,607 17,255,942 1.4.1 Deferred tax (6,827,891) (8,844,827) (9,220,749) (11,430,624)
6. Fund from other banks ****) 22,258,572 16,322,586 24,464,857 18,464,180 Income tax expenses 1.4.2 Goodwill - (482,091) - (482,091)
7. Spot and derivative liabilities/forward 2,795,781 2,119,306 2,795,781 2,119,306 a. Estimated current tax (1,556,707) (2,203,571) (2,145,310) (2,903,417) 1.4.3 Intangible assets (3,704,586) (5,251,380) (3,509,341) (4,219,625)
8. Securities sold under agreement to repurchase b. Deferred tax income (expenses) (1,114,145) (443,903) (1,335,848) (492,021) 1.4.4 Investments in shares calculated as deduction (14,952,320) (5,528,486) (14,985,833) (6,131,212)
liabilities (Repo) 37,620,876 36,097,856 38,026,842 36,330,064 1.4.5 Shortfall of capital in insurance subsidiaries - - - -
PROFIT (LOSS) CURRENT PERIOD 11,125,756 11,094,716 14,121,449 13,860,504
9. Acceptance liabilities 13,276,032 14,462,941 13,354,037 14,793,888 1.4.6 Securitisation exposure - - - -
10. Liabilities held for sale - - 1,811,851 - PROFIT (LOSS) MINORITY INTEREST - - 1,419,271 1,300,333
1.4.7 Other deduction of CET 1 - - - -
11. Securities issued 41,714,575 40,853,536 51,016,537 50,554,401 OTHER COMPREHENSIVE INCOME
1.4.7.1 Placement of funds in instrument Tier 2 to other banks - - - -
12. Fund borrowings 55,962,702 57,931,877 84,740,722 83,661,943 1. Items that will not be reclassified to profit or loss 1.4.7.2 Cross-ownership in another entity acquired by the transfer
13. Margin deposits received 1,061,475 1,350,583 1,061,475 1,350,583 a. Gain from premises and equipment revaluation - - - - due to law, grants, or grants will - - - -
14. Interoffice liabilities - - - - b. Gain (loss) from remeasurement of defined 1.4.7.3 Exposures that give rise to credit risk due the settlement
15. Liability to unit-link policyholders - - 28,869,407 29,194,702 benefits program - - (576) (7,442) risk - Non Delivery Versus Payment - - - -
16. Other liabilities 40,766,220 37,289,102 63,976,408 59,536,956 c. Others - - - - 1.4.7.4 Exposures in Subsidiaries that conduct business activity
17. Minority interest - - 28,099,732 26,642,178 2. Items that will be reclassified to profit or loss based on sharia principles (if available) - - - -
TOTAL LIABILITIES 1,449,837,089 1,450,442,175 1,923,098,466 1,913,366,665 2. Additional Tier 1 (AT 1) - - - -
a. Gain (loss) from translation of financial
EQUITY statements in foreign currencies 27,438 (2,378) 58,883 (43,164) 2.1 Instrument which comply with AT 1 requirements - - - -
18. Share capital b. Gain (loss) from changes in the fair value 2.2 Agio/disagio - - - -
a. Authorised capital 16,000,000 16,000,000 16,000,000 16,000,000 of financial assets measured at fair value 2.3 Deduction factor of AT 1 - - - -
b. Unpaid-in capital-/- (4,333,333) (4,333,333) (4,333,333) (4,333,333) through other comprehensive income 88,209 212,699 151,345 289,184 2.3.1 Placement of funds in instrument AT 1 and/or Tier 2 to
c. Treasury stock -/- - - - - c. Others - - (6,147) 5,415 other banks - - - -
19. Additional paid-in capital Other comprehensive income current period 2.3.2 Cross-ownership in another entity acquired by the transfer
a. Agio 18,941,550 18,941,550 17,643,264 17,643,264 after income tax 115,647 210,321 203,505 243,993 due to law, grants, or grants will - - - -
b. Disagio -/- - - - - TOTAL OTHER COMPREHENSIVE INCOME II SUPPLEMENTAL CAPITAL TIER 2 12,395,189 15,225,314 10,756,410 13,252,028
c. Funds for paid-in capital - - - - CURRENT PERIOD 11,241,403 11,305,037 14,324,954 14,104,497 1. Capital instrument in the form of stock or others which comply
d. Others - - - - Profit (loss) current period attributable to: with Tier 2 requirements 195,234 385,234 153,826 337,159
20. Other comprehensive income 2. Agio/disagio - - - -
PARENT ENTITY 11,125,756 11,094,716 12,702,178 12,560,171
a. Gain 36,062,108 36,062,108 36,893,646 36,861,679 3. General provision on earning assets (max. 1.25% credit risk -
b. Losses -/- (2,222,650) (2,338,297) (2,486,701) (2,622,583) NON-CONTROLLING INTEREST 1,419,271 1,300,333 weighted assets) 12,199,955 14,840,080 10,602,584 12,914,869
21. Reserve TOTAL PROFIT (LOSS) CURRENT PERIOD 11,125,756 11,094,716 14,121,449 13,860,504 4. Deduction supplemental capital - - - -
a. General reserve 2,333,333 2,333,333 2,333,333 2,333,333 Total comprehensive profit (loss) current 4.1 Sinking Fund - - - -
b. Appropriated reserve - - - - period attributable to: 4.2 Placement of funds in Tier 2 instrument to other banks - - - -
22. Retained earning PARENT ENTITY 11,241,403 11,305,037 12,870,027 12,774,035 4.3 Cross-ownership in another entity acquired by the transfer
a. Previous years *****) 171,742,849 145,348,353 194,970,424 164,612,749 NON-CONTROLLING INTEREST 1,454,927 1,330,462 due to law, grants, or grants will - - - -
b. Current year 11,125,756 51,096,878 12,702,178 55,060,057 TOTAL COMPREHENSIVE PROFIT (LOSS) TOTAL CAPITAL 201,434,780 255,944,375 179,077,844 225,864,008
c. Paid dividend -/- (33,036,034) (24,702,382) (33,036,034) (24,702,382) CURRENT PERIOD 11,241,403 11,305,037 14,324,954 14,104,497
TOTAL EQUITY ATTRIBUTABLE TO OWNER 216,613,579 238,408,210 240,686,777 260,852,784 TRANSFER PROFIT (LOSS) TO HEAD OFFICE - - - - 31 March 2024 31 March 2023 31 March 2024 31 March 2023
TOTAL EQUITY 216,613,579 238,408,210 240,686,777 260,852,784 DIVIDEND - - - - Individual Consolidated Individual Consolidated Individual Consolidated Individual Consolidated
TOTAL LIABILITIES DAN EQUITY 1,666,450,668 1,688,850,385 2,163,785,243 2,174,219,449 EARNINGS PER SHARE (in Rupiah) *) 119.20 118.87 136.09 134.57
*) Including Securities owned by Subsidiary which classified "At Cost" in accordance with SFAS No. 110 "Accounting for Sukuk" which has effective since RISK WEIGHTED ASSETS CAR
1 January 2012. *) Earnings per share for the period ended 31 March 2023 was restated due to stock split.
**) Consolidated balance includes allowance for impairment for consumer financing receivables and lease financing from Subsidiaries.
Credit Risk - Weighted
***) Including right of use assets. Assets 975,996,387 1,187,206,434 848,206,719 1,033,189,505 CET 1 Ratio (%) 17.84% 18.72% 18.35% 19.11%
****) Consolidated balance includes temporary syirkah funds from Subsidiary.
*****) Accumulated losses of Rp162,874,901 had been eliminated against additional paid-in capital/agio through quasi-reorganisation on 30 April 2003.
Statements of Commitments and Contingencies Market Risk - Weighted
Assets 21,215,993 22,814,279 10,329,826 11,056,238 Tier 1 Ratio (%) 17.84% 18.72% 18.35% 19.11%
As of 31 March 2024 and 31 December 2023 (In Millions of Rupiah) Operational Risk -
CONSOLIDATED Weighted Assets 62,675,961 75,849,894 58,720,278 68,332,364 Tier 2 Ratio (%) 1.17% 1.18% 1.17% 1.19%
Statements of Financial Ratios INDIVIDUAL
Total Risk Weighted Capital Adequacy
NO DESCRIPTION Assets 1,059,888,341 1,285,870,607 917,256,823 1,112,578,107 Ratio (%) 19.01% 19.90% 19.52% 20.30%
As of 31 March 2024 and 2023 (In %) 31 March 2024 31 December 2023 31 March 2024 31 December 2023
(Audited) (Audited) CAR BASED ON RISK CET 1 FOR
PROFILE % 9.68% 9.75% 9.68% 9.70% BUFFER (%) 9.33% 10.15% 9.84% 10.60%
NO RATIOS 31 March 2024 31 March 2023 NO RATIOS 31 March 2024 31 March 2023 I COMMITMENT RECEIVABLES
1. Unused fund borrowings/financing facilities - - - - CAPITAL ALLOCATION FOR CAR BASED ON RISK PROFILE PERCENTAGE OF BUFFER MANDATORY FULFILLED BY BANK
PERFORMANCE RATIOS COMPLIANCE Capital Conservation
2. Outstanding purchase position of spot and From CET 1 (%) 8.51% 8.57% 8.51% 8.51% Buffer (%) 2.50% 2.50% 2.50% 2.50%
1. Capital Adequacy Ratio (CAR) 19.01% 19.52% 1. a. Percentage violation of derivative/forward 282,070,381 252,306,483 283,763,641 253,078,400 Countercyclical
2. Non-performing earning assets and Legal Lending Limit 3. Others - - - - From AT 1 (%) - - - - Buffer (%) 0.00% 0.00% 0.00% 0.00%
non-performing non-earning i. Related parties 0.00% 0.00% Capital Surcharge
assets to total earning assets and II COMMITMENT PAYABLES for Systemic
ii. Third parties 0.00% 0.00%
non-earning assets 0.70% 1.06% 1. Unused loan/financing facilities granted to customers From Tier 2 (%) 1.17% 1.18% 1.17% 1.19% Bank (%) 2.50% 2.50% 2.50% 2.50%
b. Percentage of excess of
3. Non-performing earning assets to i. Committed 52,803,209 52,804,931 52,805,051 52,498,506
Legal Lending Limit
total earning assets 0.68% 1.04% i. Related parties 0.00% 0.00% ii. Uncommitted 164,509,338 163,441,539 165,014,681 163,845,572
4. Allowance for impairment on ii. Third parties 0.00% 0.00% 18,851,065 20,515,997 18,905,100 20,881,972
Statements of Cash Flows
2. Outstanding irrevocable letters of credit
financial assets to earning assets 2.77% 4.05% 2. Reserve requirement
For the Periods Ended 31 March 2024 and 2023 (In Millions of Rupiah)
3. Outstanding sales position of spot and derivative/
5. Gross NPL 1.02% 1.70% a. Primary reserve forward 281,852,043 252,397,142 286,293,725 255,254,227
6. Net NPL 0.33% 0.26% CONSOLIDATED
requirement Rupiah 7.01% 7.43% 4. Others - - - - DESCRIPTION
7. Return on Asset (ROA) 3.31% 3.59% i. Daily 0.00% 0.00% 31 March 2024 31 March 2023
III CONTINGENT RECEIVABLES
8. Return on Equity (ROE) 21.52% 24.56% ii. Average 7.01% 7.43%
1. Guarantees received 28,899,692 28,992,163 29,141,084 29,226,582 CASH FLOWS FROM OPERATING ACTIVITIES
9. Net Interest Margin (NIM) 4.89% 5.11% b. Reserve requirement
2. Others 34,386 34,338 34,386 34,338 Receipts from interest income 29,157,219 25,693,236
10. Operating Expenses to foreign currencies 4.10% 4.10%
Receipts from sharia income 5,078,894 4,254,951
Operating Income 58.38% 54.83% i. Daily 2.00% 2.00% IV CONTINGENT PAYABLES Receipts from provision, commission and premium income 8,404,287 7,618,249
11. Cost to Income Ratio (CIR) 34.31% 33.46% ii. Average 2.10% 2.10% 1. Guarantees issued 122,565,932 126,521,898 125,148,690 129,359,735 Payment of insurance claims expenses (2,773,006) (2,578,646)
12. Loan to Deposit Ratio (LDR) 89.66% 84.90% 3. Net Open Position-overall 3.00% 1.58% 2. Others 3,411,194 3,268,517 3,411,194 3,268,517 Payments of interest expenses (8,957,594) (6,841,437)
Payments of sharia expenses (1,928,478) (1,320,724)
Statements of Assets’ Quality and Other Information Statements of Spot and Derivative Transactions Receipts from the sale of government bonds measured at fair value through profit or loss 46,521,524 42,414,665
Acquisitions of government bonds measured at fair value through profit or loss (49,898,373) (45,898,270)
As of 31 March 2024 and 2023 (In Millions of Rupiah) As of 31 March 2024 (In Millions of Rupiah)
Income from financial assets measured at fair value through profit of loss classification - net 1,952,128 373,099
INDIVIDUAL INDIVIDUAL Other operating income - others 1,174,354 1,029,971
31 March 2024 31 March 2023 NOTIONAL Derivative Receivables Other operating expenses - others (2,508,439) (2,449,055)
NO DESCRIPTION NO TRANSACTION Type
Special Sub Special Sub AMOUNT & Payables Salaries and employee benefits expenses (11,248,650) (9,406,219)
Current Doubtful Loss Total Current Doubtful Loss Total
Mention Standard Mention Standard Trading Hedging Receivables Payables General and administrative expenses (4,308,261) (3,778,239)
I RELATED PARTIES A. Exchange Rate Related Non-operating (expenses)/income - net (2,894) 13,872
1.
Placements with other banks 1. Spot 15,745,927 15,745,927 - 10,091 7,801 Payment of corporate income tax (2,660,996) (3,145,648)
a. Rupiah - - - - - - 150,022 - - - - 150,022 2. Forward 62,037,401 62,037,401 - 237,861 469,108 Cash Flows from Operating Activities Before Changes in Operating Assets and Liabilities 8,001,715 5,979,805
b. Foreign currencies 1,157,161 - - - - 1,157,161 1,345,095 - - - - 1,345,095 3. Option Decrease/(Increase) in Operating Assets:
2. Spot and derivative receivables/ a. Written 5,497,155 4,862,955 634,200 46 51,273 Placements with Bank Indonesia and other banks (1,092,779) (552,308)
forward b. Purchased 1,993,690 1,676,590 317,100 65,961 1,136 Marketable securities measured at fair value through profit or loss 6,369,811 1,478,116
a. Rupiah - - - - - - - - - - - - 4. Future - - - - - Other receivables - trade transactions 374,063 (1,144,897)
b. Foreign currencies - - - - - - - - - - - - 5. Swap 143,893,040 130,264,172 13,628,868 1,158,649 684,246 Loans (31,621,262) 1,890,494
3. Securities Sharia receivables/financing (6,714,275) (6,246,729)
6. Others - - - - -
a. Rupiah 234,896 - - - - 234,896 49,495 - - - - 49,495 Securities purchased under agreement to resell 14,537,459 6,455,883
B. Interest Rate Related
b. Foreign currencies - - - - - - - - - - - - Consumer financing receivables (3,626,567) (3,315,942)
1. Forward - - - - - Net investment in lease financing (33,154) 184,987
4. Securities sold under agreement to 2. Option
repurchase (Repo) Prepaid taxes (301,219) (41,474)
a. Written - - - - - Prepaid expenses (1,360,718) (872,560)
a. Rupiah - - - - - - - - - - - -
b. Purchased - - - - - Other assets (9,081,970) (2,746,049)
b. Foreign currencies - - - - - - - - - - - -
3. Future - - - - - Recovery of written - off financial assets 2,037,435 3,185,209
5. Securities purchased under
agreement to resell (Reverse Repo) 4. Swap 51,250,351 48,908,823 2,341,528 630,096 592,740 Increase/(Decrease) in Operating Liabilities and Temporary Syirkah Funds:
a. Rupiah - - - - - - - - - - - - 5. Others 32,999,682 32,999,682 - 857,231 989,141 Conventional Banking
b. Foreign currencies - - - - - - - - - - - - C. Others 842,750 842,750 - 13,344 336 Demand deposits (26,223,488) (66,404,580)
6. Acceptance receivables 2,664 - - - - 2,664 1,084 - - - - 1,084 TOTAL 314,259,996 297,338,300 16,921,696 2,973,279 2,795,781 Saving deposits 20,125,691 (3,628,243)
7. Loans and financing Time deposits 2,092,935 (42,393,647)
a. Micro, Small and Medium (UMKM) - - - - - - - - - - - - Management of The Bank Interbank call money 2,992,951 3,289,047
Obligation due immediately 111,527 341,770
i. Rupiah - - - - - - - - - - - - Board of Commissioners Liability to unit-link policyholders (325,295) (376,389)
ii. Foreign currencies - - - - - - - - - - - -
President Commissioner/Independent : Muhamad Chatib Basri Other taxes payable (373,326) (293,137)
b. Non UMKM 7,939,078 1,090 - - - 7,940,168 4,757,120 5,509 - - - 4,762,629
Deputy President Commissioner/Independent : Zainudin Amali *) Other liabilities 13,423,327 6,290,388
i. Rupiah 7,148,173 1,090 - - - 7,149,263 4,307,285 5,509 - - - 4,312,794
Independent Commissioner : Loeke Larasati Agoestina Sharia Banking - Temporary Syirkah Funds
ii. Foreign currencies 790,905 - - - - 790,905 449,835 - - - - 449,835
c. Restructured loans*) - - - - - - - - - - - -
Pengurus Bank
Independent Commissioner : Muliadi Rahardja Demand deposits - restricted investment and mudharabah musytarakah demand deposits 2,241,318 6,546,468
Saving deposits - restricted investment and mudharabah saving deposits - unrestricted
i. Rupiah - - - - - - - - - - - - Independent Commissioner : Heru Kristiyana investment (693,522) (816,509)
ii. Foreign currencies - - - - - - - - - - - - Commissioner : Rionald Silaban Mudharabah time deposits - unrestricted investment 406,268 3,092,360
8. Investments in shares 14,526,121 - 414,227 25,191 - 14,965,539 14,526,122 - 414,227 94,191 - 15,034,540 Commissioner : Faried Utomo Net Cash Used in Operating Activities (8,733,075) (90,097,937)
9. Other receivables - - - - - - - - - - - - Commissioner : Arif Budimanta CASH FLOWS FROM INVESTING ACTIVITIES
10. Commitments and contingencies Commissioner : Muhammad Yusuf Ateh Decrease in marketable securities - other than measured at fair value through profit or loss 7,173,478 700,736
a. Rupiah 347,918 64,222 - - - 412,140 438,807 69 - - - 438,876 Commissioner : Tedi Bharata **) Decrease in government bonds - other than measured at fair value through profit or loss 3,569,244 539,689
b. Foreign currencies - - - - - - - - - - - - Proceeds from sale of fixed assets 350 973
Board of Directors
Acquisitions of fixed assets (409,055) (179,434)
II THIRD PARTIES President Director : Darmawan Junaidi Acquisitions of intangible assets (398,685) (187,175)
1. Placements with other banks Deputy President Director : Alexandra Askandar Acquisitions of right of use assets (331,102) (432,157)
a. Rupiah 34,297,758 - - - - 34,297,758 156,905 - - - - 156,905 Director of Compliance and HR : Agus Dwi Handaya Increase in Subsidiaries' investment (15,072) (49,950)
b. Foreign currencies 76,683,172 - - - - 76,683,172 51,730,392 - - - - 51,730,392 Director of Corporate Banking : Riduan Net Cash Provided by Investing Activities 9,589,158 392,682
2. Spot and derivative receivables/ Director of Network and Retail Banking : Aquarius Rudianto CASH FLOWS FROM FINANCING ACTIVITIES
forward
Director of Operation : Toni Eko Boy Subari Receipts from debt securities issued 41,000 1,301,245
a. Rupiah 2,801,913 - - - - 2,801,913 2,759,902 - - - - 2,759,902 Payments of debt securities issued (441,487) (2,075,000)
Director of Institutional Relationship : Rohan Hafas
b. Foreign currencies 171,366 - - - - 171,366 97,435 - - - - 97,435 Receipts from fund borrowings 9,360,677 6,686,903
Securities Director of Finance and Strategy : Sigit Prastowo
3. Payments of fund borrowings (9,941,665) (4,554,347)
a. Rupiah 183,299,950 - - - 22,420 183,322,370 213,708,161 - - - - 213,708,161 Director of Information Technology : Timothy Utama Payments of subordinated loans and marketable securities (8,366) (11,979)
b. Foreign currencies 50,165,150 - - - - 50,165,150 60,571,755 - - - - 60,571,755 Director of Treasury and International Banking : Eka Fitria Increase in securities sold under agreements to repurchase liabilities 228,316 1,080,738
4. Securities sold under agreement to Director of Risk Management : Danis Subyantoro ***) Payments of dividends (33,036,034) -
repurchase (Repo) Director of Commercial Banking : Totok Priyambodo ***) Net Cash (Used in)/Provided by Financing Activities (33,797,559) 2,427,560
a. Rupiah 27,154,190 - - - - 27,154,190 20,779,321 - - - - 20,779,321 Net Decrease in Cash and Cash Equivalents (32,941,476) (87,277,695)
*) In accordance with the resolution of the Annual General Meeting of Shareholders of Bank Mandiri
b. Foreign currencies 12,784,327 - - - - 12,784,327 6,213,907 - - - - 6,213,907 dated 7 March 2024, he was transferred to the position of Deputy President Commissioner/ Effect of Exchange Rate Changes on Cash and Cash Equivalents 2,210,140 (2,756,648)
5. Securities purchased under Independent of the Company, which position transfer is effective after obtaining approval from the
Financial Services Authority for the Fit and Proper Test Assessment and fulfilling the applicable laws Cash and Cash Equivalents at the Beginning of Period 243,801,693 274,889,544
agreement to resell (Reverse Repo) and regulations. Cash and Cash Equivalents at the End of Period 213,070,357 184,855,201
a. Rupiah 545,896 - - - - 545,896 160,043 - - - - 160,043 **) In accordance with the resolution of the Annual General Meeting of Shareholders of Bank Mandiri
b. Foreign currencies dated 7 March 2024, he was appointed as a member of the Board of Commissioners of the Company, Cash and cash equivalents at the end of period consist of :
- - - - - - - - - - - - which appointment is effective after obtaining approval from the Financial Services Authority for the
Fit and Proper Test Assessment and fulfilling the applicable laws and regulations. Cash 26,919,539 26,636,233
Acceptance receivables
6. 13,273,368 - - - - 13,273,368 11,657,977 60,747 1,339 - - 11,720,063 ***) In accordance with the resolution of the Annual General Meeting of Shareholders of Bank Mandiri Current accounts with Bank Indonesia 51,554,613 90,810,242
Loans and financing
7. dated 7 March 2024, he was appointed as a member of the Board of Directors of the Company, which
appointment is effective upon approval from the Financial Services Authority for the Fit and Proper Current accounts with other banks 47,171,364 40,182,502
a. Micro, Small and Medium (UMKM) 118,669,564 4,522,327 526,977 924,618 470,464 125,113,950 112,087,496 4,432,035 429,520 625,077 513,845 118,087,973 Test Assessment and compliance with applicable laws and regulations. Liquid short-term investments with maturity period of three months or less from the date
i. Rupiah 118,204,133 4,522,327 526,977 924,618 470,464 124,648,519 111,792,874 4,432,035 429,520 625,077 513,845 117,793,351 of acquisition 87,424,841 27,226,224
ii. Foreign currencies 465,431 - - - - 465,431 294,622 - - - - 294,622 Shareholders Total Cash and Cash Equivalents 213,070,357 184,855,201
b. Non UMKM 926,475,806 45,008,755 1,911,596 2,479,623 4,956,528 980,832,308 751,094,038 39,168,488 911,276 4,845,372 8,321,940 804,341,114 Ultimate Shareholder
i. Rupiah 689,106,303 35,057,194 1,911,596 2,006,930 3,366,758 731,448,781 551,334,259 24,123,045 905,862 4,329,439 5,956,541 586,649,146 Republic of Indonesia 52.00% NOTES
ii. Foreign currencies 237,369,503 9,951,561 - 472,693 1,589,770 249,383,527 199,759,779 15,045,443 5,414 515,933 2,365,399 217,691,968 Non Ultimate Shareholder through Capital Market (≥ 5%) Nil 1. The above financial information is extracted from the interim Consolidated Financial Statements of PT Bank Mandiri (Persero)
c. Restructured loans *) 35,163,787 36,162,179 1,131,808 686,296 4,076,803 77,220,873 49,258,478 31,208,107 662,217 4,274,331 7,620,014 93,023,147 Non Ultimate Shareholder through non Capital Market (≥ 5%) Tbk. (“Bank”) and its Subsidiaries as of 31 March 2024 and for the three months period then ended, as prepared by the Bank's
i. Rupiah 26,877,721 26,216,878 1,131,808 686,296 2,492,927 57,405,630 44,167,110 17,379,241 656,803 3,769,613 5,254,790 71,227,557 Indonesia Investment Authority 8.00% Management in accordance with Indonesian Financial Accounting Standards. The Consolidated Financial Statements of
ii. Foreign currencies 8,286,066 9,945,301 - - 1,583,876 19,815,243 5,091,368 13,828,866 5,414 504,718 2,365,224 21,795,590 PT Bank Mandiri (Persero) Tbk. (“Bank”) and its Subsidiaries as of 31 December 2023 have been audited by KAP Tanudiredja,
8. Investments in shares - - - - 34,125 34,125 - - - - 34,150 34,150 Awards Wibisana, Rintis & Rekan (a member firm of PwC global network) with Lucy Luciana Suhenda, S.E., Ak., CPA, as partner in charge,
9. Other receivables 24,715,764 20,139 - - 1,247,419 25,983,322 33,441,237 685,928 16,074 - 1,187,638 35,330,877 an independent auditor, in accordance with Standards on Auditing established by the Indonesian Institute of Certified Public
LinkedIn Top Companies 2024 in Alpha Southeast Asia 17 Annual Best Deal Accountants with an unmodified audit opinion, as stated in the report dated 31 January 2024.
10. Commitments and contingencies
Indonesia & Solutions Awards 2. The above published financial statements are presented to comply with the Financial Services Authority Regulation (FSAR) No.
a. Rupiah 229,005,883 1,212,292 1,652 1,054 50,289 230,271,170 212,433,753 1,561,282 2,232 59,829 200,781 214,257,877 Rank 1 Best Digital Banking App in Indonesia
(Kopra by Mandiri) 37/POJK.03/2019 dated 19 December 2019 regarding the Transparency and Published Financial Statements of the Bank and
b. Foreign currencies 123,090,107 4,956,127 - - - 128,046,234 126,424,783 7,179,629 321 3,228 700 133,608,661 Euromoney Private Banking
Awards 2024 Best Local Currency Bond Deal of the Year Circular Letter of Financial Services Authority (CLFSA) No. 9/SEOJK.03/2020 dated 30 June 2020 regarding the Transparency
III OTHER INFORMATION
The Best Domestic Private Bank in Indonesia in Indonesia (for issuance of Continuous and Published Financial Statements of Coventional Bank's Report and Circular Letter of Financial Services Authority No. S-2/
1. Value of bank’s assets pledged as collateral: PB.11/2020 dated 20 January 2020 regarding Changes to Published Financial Statements and also in accordance with the
The Best Digital Solution in Indonesia Green Bond I Bank Mandiri Phase I
a. To Bank Indonesia - - Year 2023) FSAR No. 14/POJK.04/2022 dated 22 August 2022 regarding Submission of Periodic Financial Statements for Issuers or Public
Investor Daily ESG Appreciation Night
b. To others - - 2024 Infobank Satisfaction Loyalty Companies and LK No. Kep-346/BL/2011 dated 5 July 2011 regarding the Submission of Periodic Financial Statements for
2. Repossessed assets **) - - Most Integrated ESG Report Engagement Award 2024 Issuers or Public Companies. Financial information and Statement of Cash Flows which included in the Published Financial
*) Include restructured loans due to Covid-19. CNN Indonesia Awards The Most Satisfying KBMI 4 Bank in Branch
Statements have been prepared in accordance with Bapepam and LK Regulation No. VIII.G7, Attachment to Decision of
**) Repossessed assets are presented net after the allowance for impairment of assets. Most Sustainable Product and Services Office and in Teller Service
Chairman of Bapepam and LK No. Kep-347/BL/2012 dated 25 June 2012.
Allowance for Impairment (CKPN) and Asset Quality Assessment (PPKA) 3. Related Parties in the Statement of Assets' Quality and Other Information are presented in accordance with the Bank Indonesia
As of 31 March 2024 and 2023 (In Millions of Rupiah) Regulation No. 7/3/PBI/2005 dated 20 January 2005 regarding the Amendment of Financial Services Authority Regulation
No. 38/POJK.03/2019 dated 19 December 2019 regarding the Amendment of Financial Services Authority Regulation No. 32/
INDIVIDUAL POJK.03/2018 regarding The Legal Lending Limit and Provisions of Large Fund for Commercial Banks.
31 March 2024 31 March 2023
4. Exchange rate of 1 US Dollar as at 31 March 2024, 31 December 2023 and 31 March 2023 were Rp15,855.00, Rp15,397.00 and
Allowance for Asset Quality Allowance for Asset Quality
Allowance for Impairment (CKPN) Allowance for Impairment (CKPN) Rp14,994.50, respectively.
NO DESCRIPTION Assessment (PPKA) Assessment (PPKA)
Total Total Total Total
Allowance General Allowance for Stage 1 Allowance Specific Allowance for
Stage 1 Stage 2 Stage 3 Specific Stage 2 Stage 3 General Jakarta, 30 April 2024
for Asset Quality for Asset Quality
Impairment Assessment Impairment Assessment S. E & O
1. Placements with other banks 15,166 - - 15,166 569,603 - 569,603 18,285 - - 18,285 466,349 - 466,349 Board of Directors
2. Spot and derivative receivables/forward - - - - 26,521 - 26,521 - - - - 28,569 - 28,569 PT Bank Mandiri (Persero) Tbk.
3. Securities *) 14,827 - 16,539 31,366 337,875 22,420 360,295 25,183 - - 25,183 387,312 - 387,312
4. Securities sold under agreement to repurchase (Repo) - - - - 7,595 - 7,595 - - - - 7,242 - 7,242
5. Securities purchased under agreement to resell (Reverse Repo) - - - - 5,364 - 5,364 - - - - 1,318 - 1,318
6. Acceptance receivables 27,094 5,323 - 32,417 132,760 - 132,760 36,612 23,008 1,339 60,959 116,591 3,238 119,829
7. Loans and financing **) 11,324,793 18,874,421 11,337,621 41,536,835 10,530,844 9,971,507 20,502,351 11,430,920 27,770,911 13,492,955 52,694,786 8,679,387 13,952,431 22,631,818
8. Investments in shares 30 - 44,344 44,374 145,261 108,854 254,115 30 - 79,857 79,887 30 143,380 143,410
9. Other receivables 50,991 177,865 1,247,419 1,476,275 247,158 1,248,426 1,495,584 70,028 367,284 1,203,712 1,641,024 334,412 1,224,346 1,558,758 Darmawan Junaidi Sigit Prastowo
10. Commitments and contingencies 441,798 487,015 129,895 1,058,708 1,894,399 239,363 2,133,762 471,707 1,267,150 237,513 1,976,370 1,858,531 556,130 2,414,661 President Director Director of Finance and Strategy
TOTAL 11,874,699 19,544,624 12,775,818 44,195,141 13,897,380 11,590,570 25,487,950 12,052,765 29,428,353 15,015,376 56,496,494 11,879,741 15,879,525 27,759,266
*) Stage 1 & 3 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.
**) Stage 1 allowance for impairment includes allowance for impairment for financial assets that are measured at fair value through other comprehensive income which is booked in equity.
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Bank Mandiri Financial Statement
Bank Mandiri is licensed and supervised by the Indonesia Financial Service Authority (OJK) and Bank of Indonesia also an insured member of Deposit Insurance Corporation (LPS). www.bankmandiri.co.id https://bmri.id/quarterlyfinancials
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