Description 2020 2019 2018 2017 2016

OTHER COMPREHENSIVE INCOME

Items that will not be reclassified to profit or loss 421,428 4,252,631 1,585,482 9,678 24,909,438
Items that will be reclassified to profit or loss 3,005,403 2,958,445 (2,902,231) 1,868,315 785,447
Other Comprehensive Income / (Expenses) 3,426,831 7,211,076 (1,316,749) 1,877,993 25,694,885
TOTAL COMPREHENSIVE INCOME FOR THE YEAR 21,072,455 35,666,668 24,535,188 23,321,035 40,345,048
Profit for the year attributable to:
Parent Entity Owner 17,119,253 27,482,133 25,015,021 20,639,683 13,806,565
Non-controlling interests 526,371 973,459 836,916 803,359 843,598
Total comprehensive income for the year attributable to:
Parent entity owner 20,466,256 34,655,095 23,771,531 22,491,109 39,484,138
Non-controlling interests 606,199 1,011,573 763,657 829,926 860,910
PROFIT PER SHARE 367,04 588,90 536,04 442,28 295,85**)
STATEMENT OF CONSOLIDATED CASH FLO

Net cash provided / (used in) from operating activities 102,060,837 23,967,890 (31,962,470) 4,981,054 41,521,119

Net cash used in investing activities (33,313,371) (16,251,888) (21,041,189) (5,276,211) (6,162,781)

Net cash provided by / (used in) financing activities (16,468,363) (6,872,016) 17,151,038 702,143 (1,974,522)

Net Increase / (Decrease) in Cash and Cash Equivalents 52,279,103 843,986 (35,852,621) 406,986 33,383,816
The Impact of Changes in Exchange Differences on Cash
1,292,731 (1,728,922) 1,754,511 808,703 (1,491,116)
And Cash Equivalents
Cash and Cash Equivalents at the Beginning of the Year 123,792,750 124,677,686 158,775,796 157,560,107 125,667,407
Cash And Cash Equivalents at the End of the Year 177,364,584 123,792,750 124,677,686 158,775,796 157,560,107
FINANCIAL RATIO
CAPITALIZATION
Capital Adequacy Ratio (KPMM) 19.90% 21.39% 20.96% 21.64% 21.36%

CAR by taking credit and operational risk into account 20.16% 22.09% 21.14% 22.06% 21.42%

CAR Taking Credit, Operations and Market Risks into

19.90% 21.39% 20.96% 21.64% 21.36%
account
Fixed Assets to Capital 26.88% 22.62% 22.09% 23.11% 25.07%
PRODUCTIVE ASSETS
Problematic Earning Assets and Non-Earning Assets to
1.91% 1.68% 1.91% 2.16% 2.47%
Total Earning Assets and Non-Earning Assets
Non Performing Earning Assets to Total Earning Assets 2.36% 2.15% 2.42% 2.73% 3.07%
CKPN of Financial Assets against Earning Assets 5.36% 2.88% 3.40% 3.76% 3.97%
Fulfillment of CKPN for Earning Assets (in million rupiah) 60,458,261 29,562,191 31,566,448 33,495,714 32,912,493
Fulfillment of CKPN for Non-Earning Assets (in million
3,455,497 369,300 113,236 349,404 193,144
rupiah)
Gross NPL 3.29% 2.39% 2.79% 3.45% 3.96%
NPL Net 0.43% 0.84% 0.67% 1.06% 1.38%
Fixed Assets to Capital 26.88% 22.62% 22.09% 23.11% 25.07%
Ratio of Credit to Total Earning Assets 67.67% 78.10% 77.51% 72.38% 71.54%
The Ratio of Core Debtors to Total Loans 31.14% 31.89% 34.49% 22.49% 21.26%
PROFITABILITY
ROA 1.64% 3.03% 3.17% 2.72% 1.95%
ROE 9.36% 15.08% 16.23% 14.53% 11.12%
NIM 4.48% 5.46% 5.52% 5.63% 6.29%
BOPO 80.03% 67.44% 66.48% 71.17% 80.94%
Profit (Loss) Ratio to Total Assets 1.17% 2.25% 2.32% 2.05% 1.42%

24 PT Bank Mandiri (Persero) Tbk