PT BANK MANDIRI (PERSERO), Tbk

NERACA (BALANCE SHEETS)

Per Desember 2012 dan 2011 (As at December, 2012 and 2011)

(dalam jutaan rupiah/In Million IDR)

KONSOLIDASI
BANK
NO. POS-POS (ACCOUNTS) (CONSOLIDATION)
DES 2012 DES 2011 DES 2012 DES 2011
ASET (ASSETS)

1 Kas (Cash) 14,131,136 10,259,053 15,286,190 11,357,523

2 Penempatan pada Bank Indonesia (Placement to Bank Indonesia) 69,830,072 62,711,629 75,286,859 69,593,901
3 Penempatan pada bank lain (Interbank placement) 19,262,173 26,243,728 20,960,551 27,926,232
4 Tagihan spot dan derivatif (Spot and derivatives claims) 93,280 124,422 93,291 128,005
5 Surat berharga (Securities) 85,083,266 86,348,434 89,642,759 90,335,518
a. Diukur pada nilai wajar melalui laporan laba/rugi (Measured at fair 1,785,047 4,281,564 4,130,708 5,401,586
value through profit and loss)
b. Tersedia untuk dijual (Available for sale) 59,104,726 58,723,208 59,428,193 59,428,638
c. Dimiliki hingga jatuh tempo (Hold to maturity) 24,182,676 23,334,074 26,073,041 25,495,706
d. Pinjaman yang diberikan dan piutang (Loan and receivables) 10,817 9,588 10,817 9,588
6 Surat berharga yang dijual dengan janji dibeli kembali (repo) (Securities - - - -
sold under repurchase agreement (repo))
7 Tagihan atas surat berharga yang dibeli dengan janji dijual kembali 14,322,362 12,170,910 14,515,235 12,369,885
(reverse repo) (Claims on securities bought under reverse repo)

8 Tagihan akseptasi (Acceptance claims) 7,957,512 6,551,103 7,957,512 6,551,103

9 Kredit (Loans) 339,973,690 273,962,101 384,581,706 311,093,306
a. Diukur pada nilai wajar melalui laporan laba/rugi (Measured at fair - - - -
b. value through
Tersedia untukprofit
dijualand loss)
(Available for sale) - - - -
c. Dimiliki hingga jatuh tempo (Hold to maturity) - - - -
d. Pinjaman yang diberikan dan piutang (Loan and receivables) 339,973,690 273,962,101 384,581,706 311,093,306
10 Pembiayaan syariah 1) (Sharia financing 1)) - - - -
11 Penyertaan (Equity investment) 3,218,075 2,887,626 7,350 7,327
12 Cadangan kerugian penurunan nilai aset keuangan -/- (Impairment on 14,149,788 12,560,022 15,642,032 13,697,699
financial assets -/-)
a. Surat berharga (Securities) 124,870 163,210 268,841 236,254
b. Kredit (Loans) 12,740,561 11,111,571 14,011,350 12,105,048
c. Lainnya (Others) 1,284,357 1,285,241 1,361,841 1,356,397
13 Aset tidak berwujud (Intangible assets) 1,829,609 1,633,712 2,074,593 1,824,215
14 Akumulasi amortisasi aset tidak berwujud -/- (Accumulated amortisation on 1,173,596 1,100,378 1,213,891 1,125,502
intangible assets -/-)
15 Aset tetap dan inventaris (Fixed assets and equipment) 10,410,946 9,258,876 11,940,765 10,395,361
16 Akumulasi penyusutan aset tetap dan inventaris -/- (Accumulated 4,226,501 3,787,184 4,938,075 4,346,115
depreciation on fixed assets and equipment -/-)
 (dalam jutaan rupiah/In Million IDR)
KONSOLIDASI
BANK
NO. POS-POS (ACCOUNTS) (CONSOLIDATION)
DES 2012 DES 2011 DES 2012 DES 2011
17 Aset non produktif (Non Productive Asset) 979,083 1,734,452 993,339 1,757,708
a. Properti terbengkalai (Abandoned property) 180,046 180,046 180,280 180,280
b. Aset yang diambil alih (Foreclosed assets) 19,815 120,030 33,837 143,052
c. Rekening tunda (Suspense accounts) 779,222 1,434,376 779,222 1,434,376
d. Aset antarkantor 2) (Interbranch assets) - - - -
i. Melakukan kegiatan operasional di Indonesia (Conducting operational - - - -
activities in Indonesia)
ii. Melakukan kegiatan operasional di luar Indonesia (Conducting - - - -
operational activities outside Indonesia)
18 Cadangan kerugian penurunan nilai dari aset non keuangan -/- (Imparment on 283,905 298,163 296,967 320,225
Non Financial Assets -/-)
19 Sewa pembiayaan 3) (Leasing 3)) - - 329,447 38,982
20 Aset pajak tangguhan (Deferred tax assets) 3,777,111 3,648,627 3,966,613 3,800,412
21 Aset Lainnya (Other assets) 12,070,531 9,317,738 15,120,078 11,908,941

TOTAL ASET (TOTAL ASSETS) 563,105,056 489,106,664 635,618,708 551,891,704

 (dalam jutaan rupiah/In Million IDR)
KONSOLIDASI
BANK
NO. POS-POS (ACCOUNTS) (CONSOLIDATION)
DES 2012 DES 2011 DES 2012 DES 2011
LIABILITAS DAN EKUITAS (LIABILITIES AND EQUITIES)
LIABILITAS (LIABILITIES) - - - -
1 Giro (Current account) 107,829,706 89,152,870 113,911,014 92,616,188
2 Tabungan (Saving account) 182,784,459 149,088,472 202,216,209 163,779,820
3 Simpanan berjangka (Time deposit) 144,844,747 141,994,836 166,786,895 165,854,396
4 Dana investasi revenue sharing 1) (Revenue sharing investment 1)) - - - -
5 Pinjaman dari Bank Indonesia (Liabilities to Bank Indonesia) 755 7,279 755 7,279
6 Pinjaman dari bank lain (Interbank liabilities) 14,118,879 12,439,224 14,320,656 12,653,630
7 Liabilitas spot dan derivatif (Spot and derivatives liabilities) 121,232 178,036 121,232 178,704
8 Utang atas surat berharga yang dijual dengan janji dibeli kembali (repo) - - - -
(Liabilities on securities sold under repurchase agreement)
9 Utang akseptasi (Acceptance liabilities) 7,957,512 6,551,103 7,957,512 6,551,103
10 Surat berharga yang diterbitkan (Issued securities) 564 564 1,250,364 1,795,975
11 Pinjaman yang diterima (Loans received) 13,844,372 15,009,764 16,746,027 17,548,017
a. Pinjaman yang dapat diperhitungkan sebagai modal (Loans calculated as 5,142,950 5,856,798 5,137,950 5,851,798
capital)
b. Pinjaman yang diterima lainnya (Other loans received) 8,701,422 9,152,966 11,608,077 11,696,219
12 Setoran jaminan (Margin deposit) 1,872,976 1,685,061 1,872,976 1,685,061
13 Liabilitas antarkantor 2) (Interbranch liabilities) 167,303 34,496 167,303 34,496
a. Melakukan kegiatan operasional di Indonesia (Conducting operational 4,226,590 3,520,845 4,226,590 3,520,845
activities in Indonesia)
b. Melakukan kegiatan operasional di luar Indonesia (Conducting operational (4,059,287) (3,486,349) (4,059,287) (3,486,349)
activities outside Indonesia)
14 Liabilitas pajak tangguhan (Deferred tax liabilities) - - - -
15 Liabilitas lainnya (Other liabilities) 18,911,364 13,785,816 22,700,661 17,488,361
16 Dana investasi profit sharing 1) (Profit Sharing investment 1)) - - - -
TOTAL LIABILITAS (TOTAL LIABILITIES) 492,453,869 429,927,521 559,085,843 489,237,296
EKUITAS (EQUITIES) - - - -
1 Modal disetor (Paid in capital) 11,666,667 11,666,667 11,666,667 11,666,667
a. Modal dasar (Capital) 16,000,000 16,000,000 16,000,000 16,000,000
b. Modal yang belum disetor -/- (Unpaid capital -/-) 4,333,333 4,333,333 4,333,333 4,333,333
c. Saham yang dibeli kembali (treasury stock) -/- (Treasury stock -/-) - - - -
2 Tambahan modal disetor (Additional paid in capital) 17,195,760 17,195,760 17,195,760 17,195,760
a. Agio (Agio) 17,195,760 17,195,760 17,195,760 17,195,760
b. Disagio -/- (Disagio -/-) - - - -
c. Modal sumbangan (Donated capital) - - - -
d. Dana setoran modal (Fund for paid up capital) - - - -
e. Lainnya (Others) - - - -
3 Pendapatan (kerugian) komprehensif lainnya (Other comprehensive gain (354,905) (464,099) (361,772) (574,735)
(loss))
a. Penyesuaian akibat penjabaran laporan keuangan dalam mata uang asing 72,694 83,282 47,677 56,794
(Translation adjustment from foreign currency)
 (dalam jutaan rupiah/In Million IDR)
KONSOLIDASI
BANK
NO. POS-POS (ACCOUNTS) (CONSOLIDATION)
DES 2012 DES 2011 DES 2012 DES 2011
b. Keuntungan(kerugian) dari perubahan nilai aset keuangan dalam kelompok (528,757) (678,465) (506,069) (783,650)
tersedia untuk dijual (Gain (loss) on value changes of financial assets
categorized as available for sale)
c. Bagian efektif lindung nilai arus kas (Effective portion of cash flow - - - -
hedge)
d. Selisih penilaian kembali aset tetap (Difference in fixed asset - - - -
revaluation)
e. Bagian pendapatan komprehensif lain dari entitas asosiasi (Portion of - - - -
other comprehensive income from associates)
f. Keuntungan (kerugian) aktuarial program manfaat pasti (Gain (loss) on - - - -
defined benefit actuarial program)
g. Pajak penghasilan terkait dengan laba komprehensif lain (Income tax of 101,158 131,084 96,620 152,121
other comprehensive income)
h. Lainnya (Others) - - - -
4 Selisih kuasi reorganisasi 4) (Difference in quasi-reorganization 4)) - - - -
5 Selisih restrukturisasi entitas sepengendali 5) (Difference in - - - -
restructuring under common control 5))
6 Ekuitas Lainnya (Other Equity) - - - -
7 Cadangan (Reserves) 2,880,333 2,880,333 2,880,333 2,880,333
a. Cadangan umum (General reserves) 2,333,333 2,333,333 2,333,333 2,333,333
b. Cadangan tujuan (Appropriated reserves) 547,000 547,000 547,000 547,000
8 Laba/rugi (Gain/loss) 39,263,332 27,900,482 43,199,132 30,625,194
a. Tahun-tahun lalu (Previous years) 24,961,431 16,523,449 27,695,065 18,379,150
b. Tahun berjalan (Current year) 14,301,901 11,377,033 15,504,067 12,246,044
TOTAL EKUITAS YANG DAPAT DIATRIBUSIKAN KEPADA PEMILIK (TOTAL EQUITIES 70,651,187 59,179,143 74,580,120 61,793,219
ATTRIBUTABLE TO OWNERS)

9 Kepentingan non pengendali 6) (Minority interest 6)) - - 1,952,745 861,189

TOTAL EKUITAS (TOTAL EQUITIES) 70,651,187 59,179,143 76,532,865 62,654,408
TOTAL LIABILITAS DAN EKUITAS (TOTAL LIABILITIES AND EQUITIES) 563,105,056 489,106,664 635,618,708 551,891,704
 PT BANK MANDIRI (PERSERO), Tbk
LAPORAN LABA-RUGI (INCOME STATEMENTS)
Per Desember 2012 dan 2011 (As at December, 2012 and 2011)

(dalam jutaan rupiah/In Million IDR)

KONSOLIDASI
BANK
NO. POS-POS (ACCOUNTS) (CONSOLIDATION)
DES 2012 DES 2011 DES 2012 DES 2011
PENDAPATAN DAN BEBAN OPERASIONAL (OPERATIONAL INCOME AND EXPENSES)

A. Pendapatan dan Beban Bunga (Interest income and expenses) - - - -

1. Pendapatan Bunga (Interest income) 36,800,542 33,041,031 42,550,442 37,730,019
a. Rupiah (Rupiah) 34,317,199 30,880,486 39,904,930 35,451,103
b. Valuta Asing (Foreign currency) 2,483,343 2,160,545 2,645,512 2,278,916
2. Beban Bunga (Interest expenses) 11,840,200 13,053,097 14,128,901 15,194,863
a. Rupiah (Rupiah) 11,371,943 12,798,264 13,646,708 14,917,647
b. Valuta Asing (Foreign currency) 468,257 254,833 482,193 277,216
Pendapatan (Beban) Bunga bersih (Net interest income (expenses)) 24,960,342 19,987,934 30,584,613 24,350,129
B. Pendapatan dan Beban Operasional selain Bunga (Operational Income and
Expenses Other than Interest)
1. Pendapatan Operasional Selain Bunga (Operational Income Other than 11,185,538 11,344,015 12,302,311 12,535,014
Interest)
a. Peningkatan nilai wajar aset keuangan (Positive mark to market on 917,328 671,865 955,524 732,733
financial assets)
i. Surat berharga (Securities) 4,274 9,034 42,470 69,903
ii. Kredit (Loans) - - - -
iii. Spot dan derivatif (Spot and derivatives) 913,054 662,831 913,054 662,830
iv. Aset keuangan lainnya (Other financial assets) - - - -
b. Penurunan nilai wajar liabilitas keuangan (Negative mark to market - - - -
on financial liabilities)
c. Keuntungan penjualan aset keuangan (Gain on sale of financial 287,327 121,945 296,739 117,136
assets)
i. Surat berharga (Securities) 287,327 121,945 296,739 117,136
ii. Kredit (Loans) - - - -
iii. Aset keuangan lainnya (Other financial assets) - - - -
d. Keuntungan transaksi spot dan derivatif (realised) (Gain on spot and 156,776 131,415 181,422 149,885
derivatives (realised))
e. Keuntungan dari penyertaan dengan equity method (Gain on investment - - - -
under equity method)
f. Dividen (Dividend) 279,222 225,345 1 402
g. komisi/provisi/fee dan administrasi (Comission/provision/fee and 6,365,600 5,443,850 7,377,213 6,558,058
administration)
h. Pemulihan atas cadangan kerugian penurunan nilai (Recovery of asset 204,994 704,747 65,280 579,624
impairment)
i. Pendapatan lainnya (Other income) 2,974,291 4,044,848 3,426,132 4,397,176
2. Beban Operasional Selain Bunga (Operational Expenses Other than 18,837,645 16,781,087 23,261,505 20,536,210
Interest)
 (dalam jutaan rupiah/In Million IDR)
KONSOLIDASI
BANK
NO. POS-POS (ACCOUNTS) (CONSOLIDATION)
DES 2012 DES 2011 DES 2012 DES 2011
a. Penurunan nilai wajar aset keuangan (Negative mark to market on - - - -
financial assets) (Securities)
i. Surat berharga - - - -
ii. Kredit (Loans) - - - -
iii. Spot dan derivatif (Spot and derivatives) - - - -
iv. Aset keuangan lainnya (Other financial assets) - - - -
b. Peningkatan nilai wajar liabilitas keuangan (Positive mark to market - - - -
on financial liabilities)
c. Kerugian penjualan aset keuangan (Loss on sale of financial assets) - - - -
i. Surat berharga (Securities) - - - -
ii. Kredit (Loans) - - - -
iii. Aset keuangan lainnya (Other financial assets) - - - -
d. Kerugian transaksi spot dan derivatif (realised) (Loss on spot and - - - -
derivatives (realised))
e. Kerugian penurunan nilai aset keuangan (impairment) (Impairment of 3,151,013 3,080,333 3,431,286 3,410,417
financial assets)
i. Surat berharga (Securities) - - 16,740 2,689
ii. Kredit (Loans) 3,151,013 3,080,333 3,414,546 3,407,728
iii. Pembiayaan syariah (Sharia financing) - - - -
iv. Aset keuangan lainnya (Other financial assets) - - - -
f. Kerugian terkait risiko operasional *) (Losses on operational risk 26,215 54,598 26,214 54,598
*))
g. Kerugian dari penyertaan dengan equity method (Losses on investment - - - -
under equity method)
h. Komisi/provisi/fee dan administrasi (Commission/provision/fee, and 461,941 471,587 461,941 471,587
administration)
i. Kerugian penurunan nilai aset lainnya (non keuangan) (Impairment of - - - -
other assets (non financial assets))
j. Beban tenaga kerja (Personnel expenses) 6,193,255 5,097,336 7,663,431 6,430,088
k. Beban promosi (Promotion expenses) 839,964 792,254 1,000,810 960,510
l. Beban lainnya (Other expenses) 8,165,257 7,284,979 10,677,823 9,209,010
Pendapatan (Beban) Operasional Selain Bunga Bersih (Net Operational (7,652,107) (5,437,072) (10,959,194) (8,001,196)
Income (Expenses) Other than Interest )
LABA (RUGI) OPERASIONAL (OPERATIONAL PROFIT (LOSS)) 17,308,235 14,550,862 19,625,419 16,348,933
 (dalam jutaan rupiah/In Million IDR)
KONSOLIDASI
BANK
NO. POS-POS (ACCOUNTS) (CONSOLIDATION)
DES 2012 DES 2011 DES 2012 DES 2011
PENDAPATAN DAN (BEBAN) NON OPERASIONAL (NON OPERATIONAL INCOME
(EXPENSES) )
1. Keuntungan (kerugian) penjualan aset tetap dan inventaris (Gain (loss) 898 33,730 4,558 37,539
on sale of fixed assets and equipment)
2. Keuntungan (kerugian) penjabaran transaksi valuta asing (Gain (loss) on - - - -
foreign exchange translation )
3. Pendapatan (beban) non operasional lainnya (Other non operational income 740,696 55,129 874,291 125,563
(expenses) )
LABA (RUGI) NON OPERASIONAL (NON OPERATIONAL PROFIT (LOSS)) 741,594 88,859 878,849 163,102
LABA (RUGI) TAHUN BERJALAN SEBELUM PAJAK (CURRENT YEAR PROFIT (LOSS)) 18,049,829 14,639,721 20,504,268 16,512,035
4. Pajak Penghasilan (Income taxes) 3,747,928 3,262,688 4,460,650 3,816,150
a. Taksiran pajak tahun berjalan (Estimated current year tax) 3,906,338 2,619,107 4,640,513 3,172,540
b. Pendapatan (beban) pajak tangguhan (Deferred tax income (expenses)) 158,410 (643,581) 179,863 (643,610)
LABA (RUGI) TAHUN BERJALAN SETELAH PAJAK BERSIH (NET PROFIT (LOSS)) 14,301,901 11,377,033 16,043,618 12,695,885
PENDAPATAN KOMPREHENSIF LAIN (OTHER COMPREHENSIVE INCOME) 139,120 (165,973) 268,464 (267,299)
a. Penyesuaian akibat penjabaran laporan keuangan dalam mata uang asing (10,588) (16,893) (9,117) (12,799)
(Translation adjustment from foreign currency)
b. Keuntungan (kerugian) dari perubahan nilai aset keuangan dalam 149,708 (149,080) 277,581 (254,500)
kelompok tersedia untuk dijual (Gain (loss) on value changes of
financial assets categorized as available for sale )
c. Bagian efektif dari lindung nilai arus kas (Effective portion of - - - -
cash flow hedge)
d. Keuntungan revaluasi aset tetap (Gain on fixed asset revaluation) - - - -
e. Bagian pendapatan komprehensif lain dari entitas asosiasi (Portion - - - -
of other comprehensive income from associates)
f. Keuntungan (kerugian) aktuarial program manfaat pasti (Gain (loss) - - - -
on defined benefit actuarial program)
g. penghasilan terkait dengan laba komprehensif lain(-/-) (Income tax 29,926 (29,786) 55,501 (50,870)
of other comprehensive income(-/-))
h. Lainnya (Others) - - - -
Pendapatan Komprehensif lain tahun berjalan - net pajak penghasilan 109,194 (136,187) 212,963 (216,429)
terkait (Other comprehensive income of the current year - net of
applicable income tax)
TOTAL LABA KOMPREHENSIF TAHUN BERJALAN (CURRENT YEAR TOTAL 14,411,095 11,240,846 16,256,581 12,479,456
COMPREHENSIVE PROFIT)
LABA YANG DAPAT DIATRIBUSIKAN KEPADA (PROFIT ATTRIBUTABLE TO):
a. PEMILIK (OWNER) 14,301,901 11,377,033 15,504,067 12,246,044
b. KEPENTINGAN NON PENGENDALI (MINORITY INTEREST) - - 539,551 449,841
TOTAL LABA TAHUN BERJALAN (CURRENT YEAR TOTAL PROFIT) 14,301,901 11,377,033 16,043,618 12,695,885
TOTAL LABA KOMPREHENSIF YANG DAPAT DIATRIBUSIKAN KEPADA (TOTAL
COMPREHENSIVE PROFIT ATTRIBUTABLE TO):

a. PEMILIK (OWNER) 14,411,095 11,240,846 15,717,030 12,029,615

 (dalam jutaan rupiah/In Million IDR)
KONSOLIDASI
BANK
NO. POS-POS (ACCOUNTS) (CONSOLIDATION)
DES 2012 DES 2011 DES 2012 DES 2011
b. KEPENTINGAN NON PENGENDALI (MINORITY INTEREST) - - 539,551 449,841
TOTAL LABA KOMPREHENSIF TAHUN BERJALAN (CURRENT YEAR TOTAL 14,411,095 11,240,846 16,256,581 12,479,456
COMPREHENSIVE PROFIT)
TRANSFER LABA (RUGI) KE KANTOR PUSAT **) (TRANSFER OF PROFIT(LOSS) TO - - - -
HEAD OFFICE)
DIVIDEN (DIVIDEND) - 2,449,209 - 2,449,209

LABA BERSIH PER SAHAM ***) (NET EARNINGS (LOSS) PER SHARE ***)) - - 664 529
 PT BANK MANDIRI (PERSERO), Tbk
LAPORAN KOMITMEN DAN KONTIJENSI (COMMITMENTS AND CONTINGENCIES STATEMENTS)
Per Desember 2012 dan 2011 (As at December, 2012 and 2011)

(dalam jutaan rupiah/In Million IDR)

KONSOLIDASI
BANK
NO. POS-POS (ACCOUNTS) (CONSOLIDATION)
DES 2012 DES 2011 DES 2012 DES 2011
I TAGIHAN KOMITMEN (COMMITTED CLAIMS) 93,280 238,525 99,522 623,058
1. Fasilitas pinjaman yang belum ditarik (Unused borrowing) - - - -
a. Rupiah (Rupiah) - - - -
b. Valuta Asing (Foreign currency) - - - -
2. Posisi pembelian spot dan derivatif yang masih berjalan (Outstanding spot 93,280 238,525 99,522 623,058
and derivatives (purchased))
3. Lainnya (Others) - - - -
II KEWAJIBAN KOMITMEN (COMMITED LIABILITIES) 93,647,330 80,583,998 95,489,706 82,464,395
1. Fasilitas kredit kepada nasabah yang belum ditarik (Undisbursed loan 81,430,834 68,132,792 83,194,343 69,513,691
facilities to debtors)
a. BUMN (BUMN) 21,329,638 16,570,503 21,329,638 16,570,503
i. Committed (Committed) 10,984,988 9,804,555 10,984,988 9,804,555
- Rupiah (Rupiah) 10,555,252 9,504,077 10,555,252 9,504,077
- Valuta Asing (Foreign Currency) 429,736 300,478 429,736 300,478
ii. Uncommitted (Uncommitted ) 10,344,650 6,765,948 10,344,650 6,765,948
- Rupiah (Rupiah) 9,889,235 6,086,260 9,889,235 6,086,260
- Valuta Asing (Foreign Currency) 455,415 679,688 455,415 679,688
b. Lainnya (Others) 60,101,196 51,562,289 61,864,705 52,943,188
i. Committed (Committed ) 18,317,538 16,537,631 18,326,668 16,554,108
ii. Uncommitted (Uncommitted) 41,783,658 35,024,658 43,538,037 36,389,080
2. Fasilitas kredit kepada bank lain yang belum ditarik (Undisbursed loan 203,161 156,741 203,161 183,482
facilities to other banks)
a. Committed (Committed) 68,373 47,818 68,373 68,368
- Rupiah (Rupiah) 68,373 47,818 68,373 68,368
- Valuta Asing (Foreign Currency) - - - -
b. Uncommitted (Uncommitted ) 134,788 108,923 134,788 115,114
- Rupiah (Rupiah) 134,788 108,923 134,788 115,114
- Valuta Asing (Foreign Currency) - - - -
3. Irrevocable L/C yang masih berjalan (Outstanding irrevocable L/C ) 11,892,103 11,980,413 11,964,738 12,070,790
a. L/C luar negeri (Foreign L/C) 9,513,676 9,736,868 9,575,542 9,810,830
b. L/C dalam negeri (Local L/C) 2,378,427 2,243,545 2,389,196 2,259,960
4. Posisi penjualan spot dan derivatif yang masih berjalan (Outstanding spot 121,232 314,052 127,464 696,432
and derivatives (sold))
5. Lainnya (Others) - - - -

III TAGIHAN KONTINJENSI (CONTINGENT CLAIMS) 15,922,656 10,945,467 16,115,298 11,088,575

1. Garansi yang diterima (Received guarantees) 10,168,494 5,695,631 10,173,424 5,707,442
a. Rupiah (Rupiah) 251,694 371,132 254,097 371,232
b. Valuta Asing (Foreign currency) 9,916,800 5,324,499 9,919,327 5,336,210
2. Pendapatan bunga dalam penyelesaian (Accrued interest) 5,721,433 5,217,107 5,909,145 5,348,404
a. Bunga kredit yang diberikan (Loan interest) 5,669,484 5,160,713 5,674,413 5,164,416
b. Bunga lainnya (Other interest) 51,949 56,394 234,732 183,988
3. Lainnya (Others) 32,729 32,729 32,729 32,729

IV KEWAJIBAN KONTINJENSI (CONTINGENT LIABILITIES) 48,528,825 32,455,989 48,847,339 32,785,075

1. Garansi yang diberikan (Issued guarantees) 48,281,048 32,385,725 48,599,562 32,714,811
a. Rupiah (Rupiah) 22,329,910 16,607,997 22,541,654 16,820,394
b. Valuta Asing (Foreign currency) 25,951,138 15,777,728 26,057,908 15,894,417
2. Lainnya (Others) 247,777 70,264 247,777 70,264
 PT BANK MANDIRI (PERSERO), Tbk
TRANSAKSI SPOT DAN DERIVATIF (SPOT AND DERIVATIVE TRANSACTIONS)
Per Desember 2012 (As at December, 2012)

(dalam jutaan rupiah/In Million IDR)

Bank

Tag. & Liabilitas Derivatif

Tujuan (Purpose)
(Claims & Liabilities Derivative)
NO. POS-POS (ACCOUNTS) Nilai National
(National
Value)
Tagihan Liabilitas
Trading Hedging
(Claims) (Liabilities)

A. Terkait dengan Nilai Tukar (Exchanged Rate Related) 19,792,753 17,508,767 2,283,986 93,280 91,257
1. Spot (Spot) 1,510,593 1,380,996 129,597 6,148 7,975
2. Forward (Forward) 2,883,565 822,741 2,060,824 13,120 15,790
3. Option (Option) - - - - -
a. Jual (Purchased) - - - - -
b. Beli (Written) - - - - -
4. Future (Future) - - - - -
5. Swap (Swap) 15,398,595 15,305,030 93,565 74,012 67,492
6. Lainnya (Other) - - - - -
B. Terkait dengan Suku Bunga (Interest Rate Related) 4,800,000 - 4,800,000 - 29,975
1. Forward (Forward) - - - - -
2. Option (Option) - - - - -
a. Jual (Purchased) - - - - -
b. Beli (Written) - - - - -
3. Future (Future) - - - - -
4. Swap (Swap) 4,800,000 - 4,800,000 - 29,975
5. Lainnya (Other) - - - - -
C. Lainnya (Others) - - - - -
JUMLAH (TOTAL) 24,592,753 17,508,767 7,083,986 93,280 121,232
 PT BANK MANDIRI (PERSERO), Tbk
KUALITAS AKTIVA PRODUKTIF DAN INFORMASI LAINNYA
(QUALITY EARNING ASSETS OTHER INFORMATION STATEMENTS)
Per Desember 2012 dan 2011 (As at December, 2012 and 2011) (dalam jutaan rupiah/In Million IDR)
Desember 2012

NO. POS POS (Accounts) Lancar DPK (Special K. Lancar Diragukan Macet Jumlah
(Current) Mention) (Sub Standar) (Doubtful) (Loss) (Total)

I PIHAK TERKAIT (RELATED PARTIES) -

1. Penempatan pada bank lain (Interbank placement ) 658,989 - - - - 658,989
a. Rupiah (Rupiah) 2 - - - - 2
b. Valuta Asing (Foreign currency) 658,987 - - - - 658,987
2. Tagihan spot dan derivatif (Spot dan derivative claims) - - - - - -
a. Rupiah (Rupiah) - - - - - -
b. Valuta Asing (Foreign currency) - - - - - -
3. Surat berharga (Securities) 125,025 - - - - 125,025
a. Rupiah (Rupiah) 125,025 - - - - 125,025
b. Valuta Asing (Foreign currency) - - - - - -
4. Surat Berharga yang dijual dengan janji dibeli kembali (Repo) - - - - - -
(Securities sold under repurchase agreement (repo))
a. Rupiah (Rupiah) - - - - - -
b. Valuta Asing (Foreign currency) - - - - - -
5. Tagihan atas surat berharga yang dibeli dengan janji dijual kembali - - - - - -
(Reverse Repo) (Claims on securities bought under reverse repo)
a. Rupiah (Rupiah) - - - - - -
b. Valuta Asing (Foreign currency) - - - - - -
6. Tagihan Akseptasi (Acceptance claims) - - - - - -
7. Kredit (Loans) 4,432,698 419 - - - 4,433,117
a. Debitur Usaha Mikro, Kecil dan Menengah (UMKM) (Micro, small and 200 - - - - 200
medium enterprises (UMKM))
i. Rupiah (Rupiah) 200 - - - - 200
ii. Valuta Asing (Foreign currency) - - - - - -
b. Bukan debitur UMKM (Non micro, small and medium enterprises 4,432,498 419 - - - 4,432,917
(UMKM))
i. Rupiah (Rupiah) 4,333,939 419 - - - 4,334,358
ii. Valuta Asing (Foreign currency) 98,559 - - - - 98,559
c. Kredit yang direstrukturisasi (Restructured loans) - - - - - -
i. Rupiah (Rupiah) - - - - - -
ii. Valuta Asing (Foreign currency) - - - - - -
d. Kredit Properti (Loan on property) 8,183 339 - - - 8,522
8. Penyertaan (Equity investment) 2,773,364 - - 414,227 27,469 3,215,060
9. Penyertaan modal sementara (Temporary equity investment) - - - - - -
10. Komitmen dan Kontinjensi (Commitment and contingencies) 420,217 726 - - - 420,943
a.Rupiah (Rupiah) 373,447 726 - - - 374,173
b.Valuta Asing (Foreign currency) 46,770 - - - - 46,770
11. Aset yang diambil alih (Foreclosed assets) - - - - - -
II II. PIHAK TIDAK TERKAIT (NON-RELATED PARTIES) -
1. Penempatan pada bank lain (Interbank placement) 18,603,184 - - - - 18,603,184
a. Rupiah (Rupiah) 3,442,863 - - - - 3,442,863
b. Valuta Asing (Foreign currency) 15,160,321 - - - - 15,160,321
2. Tagihan spot dan derivatif (Spot dan derivative claims) 93,280 - - - - 93,280
a. Rupiah (Rupiah) 92,727 - - - - 92,727
b. Valuta Asing (Foreign currency) 553 - - - - 553
3. Surat berharga (Securities) 84,860,718 - - - 97,523 84,958,241
a. Rupiah (Rupiah) 80,011,013 - - - 86,527 80,097,540
b. Valuta Asing (Foreign currency) 4,849,705 - - - 10,996 4,860,701
4. Surat Berharga yang dijual dengan janji dibeli kembali (Repo) - - - - - -
(Securities sold under repurchase agreement (repo))
a. Rupiah (Rupiah) - - - - - -
b. Valuta Asing (Foreign currency) - - - - - -
5. Tagihan atas surat berharga yang dibeli dengan janji dijual kembali 14,322,362 - - - - 14,322,362
(Reverse Repo) (Claims on securities bought under reverse repo)
a. Rupiah (Rupiah) 14,322,362 - - - - 14,322,362
b. Valuta Asing (Foreign currency) - - - - - -
6. Tagihan Akseptasi (Acceptance claims) 7,950,387 6,690 435 - - 7,957,512
7. Kredit (Loans) 316,703,343 12,863,924 660,149 591,571 4,721,586 335,540,573
a. Debitur Usaha Mikro, Kecil dan Menengah (UMKM) (Micro, small and 50,301,826 2,722,360 337,448 309,117 1,013,098 54,683,849
medium enterprises (UMKM))
i. Rupiah (Rupiah) 49,966,564 2,701,847 337,448 309,117 1,013,098 54,328,074
ii. Valuta Asing (Foreign currency) 335,262 20,513 - - - 355,775
b. Bukan debitur UMKM (Non micro, small and medium enterprises 266,401,517 10,141,564 322,701 282,454 3,708,488 280,856,724
(UMKM))
i. Rupiah (Rupiah) 220,790,086 7,871,690 319,331 267,432 2,442,143 231,690,682
ii. Valuta Asing (Foreign currency) 45,611,431 2,269,874 3,370 15,022 1,266,345 49,166,042
c. Kredit yang direstrukturisasi (Restructured loans) 6,707,136 3,861,660 328,596 19,732 956,878 11,874,002
i. Rupiah (Rupiah) 3,390,960 1,748,706 328,596 19,732 675,852 6,163,846
ii. Valuta Asing (Foreign currency) 3,316,176 2,112,954 - - 281,026 5,710,156
d. Kredit Properti (Loan on property) 22,384,596 2,558,211 56,976 52,002 293,384 25,345,169
8. Penyertaan (Equity investment) 1,955 - - - - 1,955
9. Penyertaan modal sementara (Temporary equity investment) - - - 1,060 - 1,060
10. Komitmen dan Kontinjensi (Commitment and contingencies) 140,485,346 867,135 3,126 278 30,318 141,386,203
a. Rupiah (Rupiah) 95,184,250 732,091 3,126 278 24,990 95,944,735
b. Valuta Asing (Foreign currency) 45,301,096 135,044 - - 5,328 45,441,468
11. Aset yang diambil alih (Foreclosed assets) - - - - 19,815 19,815
III INFORMASI LAIN (OTHER INFORMATION) -
1. Total aset bank yang dijaminkan (Assets pledged as collateral): -
a. Pada Bank Indonesia (To Bank Indonesia) -
b. Pada pihak lain (To other parties) -
2. Total CKPN aset keuangan atas aset produktif (Impairment provision on 14,149,788
3. earning
Total PPAassets)
yang wajib dibentuk atas aset produktif (Required regulatory 12,569,955
4. provision
Persentaseon assets)
kredit kepada UMKM terhadap total kredit (Percentage of 16.08
loans to micro, small, and medium enterprises (UMKM) to total loans)
5. Persentase kredit kepada Usaha Mikro Kecil (UMK) terhadap total kredit 6.50
(Percentage of loans to micro and small enterprises (UMK))
6. Persentase jumlah debitur UMKM terhadap total debitur (Percentage of 45.52
micro, small, and medium enterprises (UMKM) debtor to total debtor)
7. Persentase jumlah debitur Usaha Mikro Kecil (UMK) terhadap total 42.38
debitur (Percentage of micro and small enterprises (UMK) debtor)
8. Lainnya (Others) 18,223,637
a. Penerusan kredit (Channeling) 12,020,977
b. Penyaluran dana Mudharabah Muqayyadah (Mudharabah Muqayyadah) -
c. Aset produktif yang dihapus buku (Written off earning assets) 2,462,911
d. Aset produktif dihapusbuku yg dipulihkan/berhasil ditagih (Written -
off earning assets that has been re-collected)
 PT BANK MANDIRI (PERSERO), Tbk
KUALITAS AKTIVA PRODUKTIF DAN INFORMASI LAINNYA
(QUALITY EARNING ASSETS OTHER INFORMATION STATEMENTS)
e. Aset produktif yang dihapus tagih
Per (Charged off earning
Desember 2012 assets)
dan 2011 (As at December, 2012 and 2011) 3,739,749
 PT BANK MANDIRI (PERSERO), Tbk
KUALITAS AKTIVA PRODUKTIF DAN INFORMASI LAINNYA
(QUALITY EARNING ASSETS OTHER INFORMATION STATEMENTS)
Per Desember 2012 dan 2011 (As at December, 2012 and 2011) (dalam jutaan rupiah/In Million IDR)
Desember 2011

NO. POS POS (Accounts) Lancar DPK (Special K. Lancar Diragukan Macet Jumlah
(Current) Mention) (Sub Standar) (Doubtful) (Loss) (Total)

I PIHAK TERKAIT (RELATED PARTIES) -

1. Penempatan pada bank lain (Interbank placement ) 362,083 - - - - 362,083
a. Rupiah (Rupiah) - - - - - -
b. Valuta Asing (Foreign currency) 362,083 - - - - 362,083
2. Tagihan spot dan derivatif (Spot dan derivative claims) - - - - - -
a. Rupiah (Rupiah) - - - - - -
b. Valuta Asing (Foreign currency) - - - - - -
3. Surat berharga (Securities) - - - - - -
a. Rupiah (Rupiah) - - - - - -
b. Valuta Asing (Foreign currency) - - - - - -
4. Surat Berharga yang dijual dengan janji dibeli kembali (Repo) - - - - - -
(Securities sold under repurchase agreement (repo))
a. Rupiah (Rupiah) - - - - - -
b. Valuta Asing (Foreign currency) - - - - - -
5. Tagihan atas surat berharga yang dibeli dengan janji dijual kembali - - - - - -
(Reverse Repo) (Claims on securities bought under reverse repo)
a. Rupiah (Rupiah) - - - - - -
b. Valuta Asing (Foreign currency) - - - - - -
6. Tagihan Akseptasi (Acceptance claims) - - - - - -
7. Kredit (Loans) 1,445,731 - - - 6 1,445,737
a. Debitur Usaha Mikro, Kecil dan Menengah (UMKM) (Micro, small and 502 - - - - 502
medium enterprises (UMKM))
i. Rupiah (Rupiah) 502 - - - - 502
ii. Valuta Asing (Foreign currency) - - - - - -
b. Bukan debitur UMKM (Non micro, small and medium enterprises 1,445,229 - - - 6 1,445,235
(UMKM))
i. Rupiah (Rupiah) 1,359,260 - - - 6 1,359,266
ii. Valuta Asing (Foreign currency) 85,969 - - - - 85,969
c. Kredit yang direstrukturisasi (Restructured loans) - - - - - -
i. Rupiah (Rupiah) - - - - - -
ii. Valuta Asing (Foreign currency) - - - - - -
d. Kredit Properti (Loan on property) 3,705 - - - 6 3,711
8. Penyertaan (Equity investment) 2,883,269 - - - 2,278 2,885,547
9. Penyertaan modal sementara (Temporary equity investment) - - - - - -
10. Komitmen dan Kontinjensi (Commitment and contingencies) 241,354 - - - - 241,354
a.Rupiah (Rupiah) 226,412 - - - - 226,412
b.Valuta Asing (Foreign currency) 14,942 - - - - 14,942
11. Aset yang diambil alih (Foreclosed assets) - - - - - -
II II. PIHAK TIDAK TERKAIT (NON-RELATED PARTIES) -
1. Penempatan pada bank lain (Interbank placement) 54,485,061 - - - 72,812 54,557,873
a. Rupiah (Rupiah) 29,229,020 - - - - 29,229,020
b. Valuta Asing (Foreign currency) 25,256,041 - - - 72,812 25,328,853
2. Tagihan spot dan derivatif (Spot dan derivative claims) 124,422 - - - - 124,422
a. Rupiah (Rupiah) 124,368 - - - - 124,368
b. Valuta Asing (Foreign currency) 54 - - - - 54
3. Surat berharga (Securities) 86,252,750 - - - 95,684 86,348,434
a. Rupiah (Rupiah) 85,294,561 - - - 86,096 85,380,657
b. Valuta Asing (Foreign currency) 958,189 - - - 9,588 967,777
4. Surat Berharga yang dijual dengan janji dibeli kembali (Repo) - - - - - -
(Securities sold under repurchase agreement (repo))
a. Rupiah (Rupiah) - - - - - -
b. Valuta Asing (Foreign currency) - - - - - -
5. Tagihan atas surat berharga yang dibeli dengan janji dijual kembali 12,170,910 - - - - 12,170,910
(Reverse Repo) (Claims on securities bought under reverse repo)
a. Rupiah (Rupiah) 12,170,910 - - - - 12,170,910
b. Valuta Asing (Foreign currency) - - - - - -
6. Tagihan Akseptasi (Acceptance claims) 6,513,397 36,178 - - 1,528 6,551,103
7. Kredit (Loans) 255,053,237 11,409,806 592,858 753,283 4,707,180 272,516,364
a. Debitur Usaha Mikro, Kecil dan Menengah (UMKM) (Micro, small and 39,429,669 2,276,486 152,380 240,448 942,664 43,041,647
medium enterprises (UMKM))
i. Rupiah (Rupiah) 38,983,252 2,252,561 152,380 240,448 932,110 42,560,751
ii. Valuta Asing (Foreign currency) 446,417 23,925 - - 10,554 480,896
b. Bukan debitur UMKM (Non micro, small and medium enterprises 215,623,568 9,133,320 440,478 512,835 3,764,516 229,474,717
(UMKM))
i. Rupiah (Rupiah) 179,443,740 7,243,871 162,103 482,919 2,355,998 189,688,631
ii. Valuta Asing (Foreign currency) 36,179,828 1,889,449 278,375 29,916 1,408,518 39,786,086
c. Kredit yang direstrukturisasi (Restructured loans) 7,860,019 4,248,172 264,898 11,312 1,256,013 13,640,414
i. Rupiah (Rupiah) 5,015,242 2,539,397 59,029 11,312 811,090 8,436,070
ii. Valuta Asing (Foreign currency) 2,844,777 1,708,775 205,869 - 444,923 5,204,344
d. Kredit Properti (Loan on property) 18,035,900 1,989,425 43,105 53,620 303,045 20,425,095
8. Penyertaan (Equity investment) 1,955 - - - - 1,955
9. Penyertaan modal sementara (Temporary equity investment) - - - 124 - 124
10. Komitmen dan Kontinjensi (Commitment and contingencies) 67,855,560 2,633,119 1 2,762 23,346 70,514,788
a. Rupiah (Rupiah) 42,256,648 479,399 1 2,762 16,862 42,755,672
b. Valuta Asing (Foreign currency) 25,598,912 2,153,720 - - 6,484 27,759,116
11. Aset yang diambil alih (Foreclosed assets) - - - - 120,030 120,030
III INFORMASI LAIN (OTHER INFORMATION) -
1. Total aset bank yang dijaminkan (Assets pledged as collateral): -
a. Pada Bank Indonesia (To Bank Indonesia) -
b. Pada pihak lain (To other parties) -
2. Total CKPN aset keuangan atas aset produktif (Impairment provision on 12,560,022
3. earning
Total PPAassets)
yang wajib dibentuk atas aset produktif (Required regulatory 11,897,660
4. provision
Persentaseon assets)
kredit kepada UMKM terhadap total kredit (Percentage of 15.71
loans to micro, small, and medium enterprises (UMKM) to total loans)
5. Persentase kredit kepada Usaha Mikro Kecil (UMK) terhadap total kredit 6.04
(Percentage of loans to micro and small enterprises (UMK))
6. Persentase jumlah debitur UMKM terhadap total debitur (Percentage of 38.24
micro, small, and medium enterprises (UMKM) debtor to total debtor)
7. Persentase jumlah debitur Usaha Mikro Kecil (UMK) terhadap total 35.47
debitur (Percentage of micro and small enterprises (UMK) debtor)
8. Lainnya (Others) 18,801,544
a. Penerusan kredit (Channeling) 13,214,612
b. Penyaluran dana Mudharabah Muqayyadah (Mudharabah Muqayyadah) -
c. Aset produktif yang dihapus buku (Written off earning assets) 1,983,549
d. Aset produktif dihapusbuku yg dipulihkan/berhasil ditagih (Written -
off earning assets that has been re-collected)
 PT BANK MANDIRI (PERSERO), Tbk
KUALITAS AKTIVA PRODUKTIF DAN INFORMASI LAINNYA
(QUALITY EARNING ASSETS OTHER INFORMATION STATEMENTS)
e. Aset produktif yang dihapusPer
tagihDesember
(Charged off earning
2012assets)
dan 2011 (As at December, 2012 and 2011) 3,603,383
 PT BANK MANDIRI (PERSERO), Tbk
PERHITUNGAN KEWAJIBAN PENYEDIAAN MODAL MINIMUM (KPMM)
(CAPITAL ADEQUACY RATIO CALCULATION)
Per Desember 2012 dan 2011 (As at December, 2012 and 2011)

(dalam jutaan rupiah/In Million IDR)

DES 2012 DES 2011
NO. POS-POS (ACCOUNTS)
KONSOLIDASI KONSOLIDASI
BANK BANK
(CONSOLIDATION) (CONSOLIDATION)

I. KOMPONEN MODAL (COMPONENTS)

A. Modal Inti (Core Capital) 54,438,380 58,932,922 45,604,965 49,025,607
1. Modal Disetor (Paid in Capital) 11,666,667 11,666,667 11,666,667 11,666,667
2. Cadangan Tambahan Modal (Disclosed reserves) 44,369,337 47,655,277 35,382,021 37,645,755
2. Faktor penambah *) (Additional factors) 44,645,424 47,944,427 35,382,021 37,645,755
1
a Agio (Agio) 17,195,760 17,195,760 17,195,760 17,195,760
.
b Modal Sumbangan (Contributed capital) - - - -
.
c Cadangan Umum (General reserves) 2,333,333 2,333,333 2,333,333 2,333,333
.
d Cadangan Tujuan (Spesific reserves) 547,000 547,000 547,000 547,000
.
e Laba tahun-tahun lalu yang dapat diperhitungkan (100%) 17,424,892 20,158,556 9,212,339 11,068,041
. (Previous years profit which can be calculated into
capital (100%))
f Laba tahun berjalan yang dapat diperhitungkan (50%) 7,071,745 7,662,101 6,010,307 6,444,827
. (Current year profit which can be calculated into capital
(50%))
g Selisih lebih karena penjabaran laporan keuangan 72,694 47,677 83,282 56,794
. (Positive translation adjustment of financial statement)
h Dana setoran modal (Capital fund) - - - -
.
i Waran yang diterbitkan (50%) (Issued warrant (50%)) - - - -
.
j Opsi saham yang diterbitkan dalam rangka program - - - -
. kompensasi berbasis saham (50%) (Stock option issued
related to compensation program)
2. Faktor Pengurang *) (Deduction factors) 276,087 289,150 - -
2
a Disagio (Disagio) - - - -
.
b Rugi tahun-tahun lalu yang dapat diperhitungkan (100%) - - - -
. (Previous years loss which can be calculated into capital
(100%))
c Rugi tahun berjalan yang dapat diperhitungkan (100%) - - - -
. (Current year loss which can be calculated into capital
(100%))
d Selisih kurang karena penjabaran laporan keuangan - - - -
. (Negative translation adjustment of financial statement)
e Pendapatan komprehensif lain : Kerugian dari penurunan - - - -
. nilai wajar atas penyertaan dalam kategori Tersedia untuk
Dijual (Other comprehensive income : losses from equity
investment for available for sale category (100%))
 PT BANK MANDIRI (PERSERO), Tbk
PERHITUNGAN KEWAJIBAN PENYEDIAAN MODAL MINIMUM (KPMM)
(CAPITAL ADEQUACY RATIO CALCULATION)
Per Desember 2012 dan 2011 (As at December, 2012 and 2011)

(dalam jutaan rupiah/In Million IDR)

DES 2012 DES 2011
NO. POS-POS (ACCOUNTS)
KONSOLIDASI KONSOLIDASI
BANK BANK
(CONSOLIDATION) (CONSOLIDATION)
f Selisih kurang antara PPA dan cadangan kerugian penurunan - - - -
. nilai atas aset produktif (Negative differences between
regulatory provision and impairment of earning assets)
g Penyisihan Penghapusan Aset (PPA) atas aset non produktif 276,087 289,150 - -
. yang wajib dihitung (Required regulatory provision on non
productive assets)
h Selisih kurang jumlah penyesuaian nilai wajar dari - - - -
. instrumen keuangan dalam trading book (Negative
differences on adjustment of fair value on financial
instrument in the trading book)
3. Modal Inovatif *) (Innovative Capital) - - - -
3. Surat berharga subordinasi (perpetual non kumulatif) - - - -
1 (Subordinated securities (perpetual non cumulative))
3. Pinjaman Subordinasi (perpetual non kumulatif) (Subordinated - - - -
2 loans (perpetual non cumulative))
3. Instrumen Modal Inovatif lainnya (Other innovative capital - - - -
3 instruments)
4. Faktor Pengurang Modal Inti *) (Deduction Factor of Tier 1 1,597,624 679,384 1,443,723 549,316
Capital)
4. Goodwill (Goodwill) - 105,666 - 105,666
1
4. Aset tidak berwujud lainnya (Other intangible assets) - - - -
2
4. Penyertaan (50%) (Equity investment (50%)) 1,597,624 - 1,443,723 -
3
4. Kekurangan modal pada perusahaan anak asuransi (50%) - 573,718 - 443,650
4 (Shortfall on the capital of insurance subsidiary (50%))
5 Kepentingan Non Pengendali (Minority Interest) - 290,362 - 262,501
B. Modal Pelengkap (Suplementary Capital) 7,509,124 9,003,821 8,479,281 9,927,343
1. Level Atas (Upper Tier 2) *) (Upper Tier 2) 5,755,636 6,226,427 5,252,938 5,700,927
1. Saham preferen (perpetual kumulatif) (Preferred stock - - - -
1 (perpetual cumulative))
1. Surat berharga subordinasi (perpetual kumulatif) - - - -
2 (Subordinated securities (perpetual cumulative))
1. Pinjaman Subordinasi (perpetual kumulatif) (Subordinated - - - -
3 loans (perpetual cumulative))
1. Mandatory convertible bond (Mandatory convertible bond) - - - -
4
 PT BANK MANDIRI (PERSERO), Tbk
PERHITUNGAN KEWAJIBAN PENYEDIAAN MODAL MINIMUM (KPMM)
(CAPITAL ADEQUACY RATIO CALCULATION)
Per Desember 2012 dan 2011 (As at December, 2012 and 2011)

(dalam jutaan rupiah/In Million IDR)

DES 2012 DES 2011
NO. POS-POS (ACCOUNTS)
KONSOLIDASI KONSOLIDASI
BANK BANK
(CONSOLIDATION) (CONSOLIDATION)
1. Modal Inovatif yang tidak diperhitungkan sebagai Modal inti - - - -
5 (Innovative capital which is not calculated as core (tier 1)
capital)
1. Instrumen modal pelengkap level atas (upper tier 2) lainnya - - - -
6 (Other instruments of upper tier 2 capital)
1. Revaluasi aset tetap (Fixed assets revaluation) 1,371,121 1,371,121 1,371,121 1,371,121
7
1. Cadangan umum aset produktif (maks 1,25% ATMR) (General 4,384,515 4,855,306 3,881,817 4,329,806
8 provision of earning assets (maximum 1,25% of RWA))

1. Pendapatan komprehensif lain : Keuntungan dari peningkatan - - - -

9 nilai wajar atas penyertaan dlm kategori Tersedia untuk
Dijual (45%) (Other comprehensive income : gain from equity
investment for)
2. Level Bawah (Lower Tier 2) maksimum 50% Modal Inti *) (Lower 3,351,112 3,351,112 4,670,066 4,670,066
Tier 2 maximum 50% of Tier 1 Capital)
2. Redeemable preference shares (Redeemable preference shares) - - - -
1
2. Pinjaman atau obligasi subordinasi yang dapat diperhitungkan 3,351,112 3,351,112 4,670,066 4,670,066
2 (Subordinated loans/bonds which can be calculated)

2. Instrumen modal pelengkap level bawah (lower tier 2) lainnya - - - -

3 (Other instruments of lower tier 2 capital)
3. Faktor Pengurang Modal Pelengkap *) (Deduction Factor of Tier 2 1,597,624 573,718 1,443,723 443,650
Capital)
3. Penyertaan (50%) (Equity investment (50%)) 1,597,624 - 1,443,723 -
1
3. Kekurangan modal pada perusahaan anak asuransi (50%) - 573,718 - 443,650
2 (Shortfall on the capital of insurance subsidiary (50%))
C. Faktor Pengurang Modal Inti dan Modal Pelengkap (Deduction - - - -
Factor for Tier 1 Capital and Tier 2 Capital)
Eksposur Sekuritisasi (Exposure of Securitisation) - - - -
D. Modal Pelengkap Tambahan Yang Memenuhi Persyaratan (Tier 3) - - - -
(Additional Supplementary Capital (Tier 3))

E. Modal Pelengkap Tambahan yang Dialokasikan untuk Mengantisipasi - - - -

Risiko pasar (Additional Supplementary Capital which is
allocated to anticipate Market Risk)
II. TOTAL MODAL INTI DAN MODAL PELENGKAP (A+B-C) (TOTAL TIER 1 61,947,504 67,936,743 54,084,246 58,952,950
CAPITAL AND TIER 2 CAPITAL (A + B - C))
 PT BANK MANDIRI (PERSERO), Tbk
PERHITUNGAN KEWAJIBAN PENYEDIAAN MODAL MINIMUM (KPMM)
(CAPITAL ADEQUACY RATIO CALCULATION)
Per Desember 2012 dan 2011 (As at December, 2012 and 2011)

(dalam jutaan rupiah/In Million IDR)

DES 2012 DES 2011
NO. POS-POS (ACCOUNTS)
KONSOLIDASI KONSOLIDASI
BANK BANK
(CONSOLIDATION) (CONSOLIDATION)
III. TOTAL MODAL INTI, MODAL PELENGKAP,DAN MODAL PELENGKAP TAMBAHAN 61,947,504 67,936,743 54,084,246 58,952,950
YANG DIALOKASIKAN UTK MENGANTISIPASI RISIKO PASAR (A+B-C+E)
(TOTAL TIER 1 CAPITAL, TIER 2 CAPITAL, AND TIER 3 CAPITAL
ALLOCATED TO ANTICIPATE MARKET RISK (A + B - C + E))

IV. ASET TERTIMBANG MENURUT RISIKO (ATMR) UNTUK RISIKO KREDIT (RISK 350,761,176 388,424,480 310,545,347 346,384,459
WEIGHTED ASSET (RWA) FOR CREDIT RISK)
V. ASET TERTIMBANG MENURUT RISIKO (ATMR) UNTUK RISIKO OPERASIONAL 48,384,624 55,735,767 40,781,287 46,163,378
(RISK WEIGHTED ASSET (RWA) FOR OPERATIONAL RISK)
VI. ASET TERTIMBANG MENURUT RISIKO (ATMR) UNTUK RISIKO PASAR (RISK 1,044,148 1,244,238 1,193,360 1,669,627
WEIGHTED ASSET (RWA) FOR MARKET RISK)
VII. RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM UNTUK RISIKO KREDIT 15.52 15.30 15.39 15.02
DAN RISIKO OPERASIONAL [II:(IV+V)] (CAPITAL ADEQUACY RATIO
FOR CREDIT RISK AND OPERATIONAL RISK [II:(IV+V)])

VIII RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM UNTUK RISIKO KREDIT, 15.48 15.25 15.34 14.95
. RISIKO OPERASIONAL, DAN RISIKO PASAR [III : (IV + V + VI)]
(CAPITAL ADEQUACY RATIO FOR CREDIT RISK, OPERATIONAL RISK)
 PT BANK MANDIRI (PERSERO), Tbk
PERHITUNGAN RASIO KEUANGAN (FINANCIAL RATIO CALCULATIONS)
Per Desember 2012 dan 2011 (As at December, 2012 and 2011)

(dalam persen/percent)
BANK
NO. POS-POS (ACCOUNTS)
DES 2012 DES 2011

I. Rasio Kinerja (Performance Ratio)

1. Kewajiban Penyediaan Modal Minimum (KPMM) (CAR) 15.48 15.34

2. Aset produktif bermasalah dan aset non produktif bermasalah terhadap total aset 1.17 1.43
produktif dan aset non produktif (Non performing earning assets and non earning
assets to total earning assets and non earning assets)
3. Aset produktif bermasalah terhadap total aset produktif (Non performing earning 1.45 1.59
assets and non earning assets)
4. Cadangan kerugian penurunan nilai (CKPN) aset keuangan terhadap aset produktif 2.77 2.84
(Impairment provision on earning assets to total earning assets)

5. NPL gross (Gross NPL) 1.74 2.18

6. NPL net (Net NPL) 0.37 0.45

7. Return on Asset (ROA) (ROA) 3.55 3.37

8. Return on Equity (ROE) (ROE) 27.23 25.57

9. Net Interest Margin (NIM) (NIM) 5.58 5.29

10 Biaya Operasional terhadap Pendapatan Operasional (BOPO) (Operating Expenses to 63.93 67.22
. Operating Revenues)
11 Loan to Deposit Ratio (LDR) (LDR) 77.66 71.65
.
II Kepatuhan (Compliance)

1. a. Persentase Pelanggaran BMPK ( Percentage Violation of Legal Lending Limit) - -

i. Pihak terkait (Related parties) - -

ii. Pihak tidak terkait (Non related parties) - -

b. Persentase Pelampauan BMPK (Percentage Lending in Excess of The Legal Lending - -

Limit)
 i. Pihak terkait (Related parties) - -

ii. Pihak tidak terkait (Non related parties) - -

2. Giro Wajib Minimum (GWM) (Reserve Requirement (Rupiahs)) - -

a. GWM Utama Rupiah (Reserve Requirement (Rupiah)) 8.00 8.00

b. GWM Valuta asing (Reserve Requirement (Foreign currency)) 8.01 8.06

3. Posisi Devisa Neto (PDN) secara keseluruhan (Net Open Position) 1.27 1.50
 PT BANK MANDIRI (PERSERO), Tbk
CADANGAN PENYISIHAN KERUGIAN (IMPAIRMENT LOSS ALLOWANCE)
Per Desember 2012 dan 2011 (As at December, 2012 and 2011)

(dalam jutaan rupiah/In Million IDR)

DESEMBER 2012 DESEMBER 2011

PPA Yang Wajib PPA Yang Wajib

CKPN (ILA) dibentuk (Required CKPN (ILA) dibentuk (Required
NO. POS-POS Regulatory Provision) Regulatory Provision)

Kolektif Umum Khusus Kolektif Umum Khusus

Individual Individual
(Collective) (General) (Specific) (Collective) (General) (Specific)

Penempatan pada bank lain (Interbank

1 placement) 54,894 32,203 192,073 54,894 72,812 76,791 261,709 72,812

2 Tagihan spot dan derivatif (Spot dan - - 871 - - - 1,101 -

derivative claims)
3 Surat Berharga (Securities) 119,110 5,760 80,528 97,523 99,935 63,275 69,826 95,684

4 Surat Berharga yang dijual dengan janji - - - - - - - -

dibeli kembali (Repo) (Securities sold
under repurchase agreement (repo))

5 Tagihan atas surat berharga yang dibeli - - 43,264 - - - 60,213 -

dengan janji dijual kembali (Reverse
Repo) (Claims on securities bought
under reverse repo)
6 Tagihan akseptasi (Acceptance claims) 12,676 24,365 79,504 400 13,503 27,164 65,134 3,337

7 Kredit (Loans) ### 4,426,914 ### ### ### 3,661,945 ### ###

8 Penyertaan (Equity investment) 22,002 - 50 234,583 767 - 50 683

9 Penyertaan modal sementara (Temporary 530 - - 530 62 - - 62

equity investment)

10 Transaksi rekening adminitratif 180,208 5,906 599,840 45,862 114,417 103,566 680,969 996,735
(Commitment and contigencies)