Balance sheet summary

(Rp billion) YOY

Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 Sep-17
Change

Total Assets 626,176 660,145 676,739 689,596 738,199 739,883 12.1%

1)
Secondary Reserves – gross 73,533 79,030 60,320 80,862 77,625 95,651 21.0%
SBI & Other Placement in BI 68,117 73,386 51,441 74,180 67,659 87,536 19.3%
Placement with other Banks 5,416 5,644 8,879 6,682 9,966 8,115 43.8%
Loans 387,042 386,112 415,896 408,693 433,258 439,657 13.9%
Government Bonds 44,223 71,363 66,585 68,592 64,890 65,042 -8.9%
Marketable Securities 24,602 24,633 29,303 28,802 31,261 32,207 30.7%
Impairment on financial assets (11,876) (12,765) (13,915) (13,860) (14,276) (14,535) 13.9%
Third Party Funds 490,558 493,075 530,134 535,145 572,247 574,387 16.5%
Savings 260,903 259,224 270,352 268,294 278,301 283,281 9.3%
Current Accounts 120,373 126,215 137,853 137,126 148,654 144,716 14.7%
Time Deposits 109,282 107,636 121,929 129,725 145,292 146,390 36.0%
Equity (Bank only) 99,089 107,492 110,190 115,580 118,458 124,992 16.3%
Tier 1 94,851 103,226 105,542 111,050 113,599 120,082 16.3%
Tier 2 4,238 4,266 4,648 4,530 4,859 4,910 15.1%
Exchange Rate – Rp/USD 13,213 13,051 13,473 13,326 13,328 13,472 3.2%
1) Including SBI categorized as securities sold under repurchase agreement
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Income statement summary

(Rp billion) 4Q-16 1Q-17 2Q-17 3Q-17 9M-16 9M-17 YOY

Change

Net Interest Income 10,262 10,072 10,300 10,600 29,953 30,972 3.4%
Non Interest Income 3,848 3,432 3,617 3,702 9,720 10,751 10.6%
Fees and commissions 2,524 2,379 2,556 2,632 6,880 7,567 10.0%
Gain on spot & derivative (realized) – net 107 232 325 91 1,746 648 -62.9%
Mark to market on financial assets – net 361 13 12 94 (522) 119 NA
Gain on sale of financial assets – net 292 194 114 262 226 570 152.2%
Others 564 614 610 623 1,390 1,847 32.9%

Operational Expenses (5,848) (6,988) (6,259) (5,540) (17,535) (18,787) 7.1%

Personnel Expenses (2,106) (4,034) (2,830) (2,110) (8,281) (8,974) 8.4%
Other Expenses (3,742) (2,954) (3,429) (3,430) (9,254) (9,813) 6.0%
Profit before Provisions and Tax 8,262 6,516 7,658 8,762 22,138 22,936 3.6%

Provision (1,423) (248) (688) (893) (3,138) (1,829) -41.7%

Pre-Tax Profit 6,839 6,268 6,970 7,869 19,000 21,107 11.1%
Income Tax (1,345) (1,279) (1,421) (1,556) (3,862) (4,256) 10.2%
Net Profit 5,479 4,990 5,545 6,307 15,127 16,842 11.3%

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 Financial ratios
(Bank only, %) Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 Sep-17

ROA 3.9 4.0 4.0 3.5 3.7 3.8

ROE 20.5 20.9 20.5 17.1 18.3 19.1
NIM 7.0 6.9 6.8 6.3 6.3 6.2
CAR (credit and market risk) 23.8 25.2 25.6 27.7 26.2 28.0
CAR (credit, market and operational risk) 20.3 21.5 21.9 23.1 22.1 23.6
LFR 77.9 77.3 77.1 75.1 74.5 74.7
Cost Efficiency Ratio* 46.6 44.3 43.9 52.8 48.6 45.0
Cost to Income Ratio (BOPO)** 63.5 61.3 60.4 65.2 61.8 59.9
NPL Ratio - gross 1.4 1.5 1.3 1.5 1.5 1.5
NPL Ratio - net 0.4 0.4 0.3 0.4 0.4 0.4
Provision/NPL 193.0 201.0 229.4 203.3 196.3 190.8
NOP 0.3 0.4 0.2 0.2 0.6 0.2

Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 Sep-17

EPS – year to date (Rp)*** 388 614 836 202 427 683
Book Value/Share (Rp) 4,189 4,426 4,560 4,791 4,892 5,164
* Cost Efficiency Ratio = operational expenses to net interest income and non interest income
** Cost to Income Ratio (BOPO) = all expenses (operating expenses included interest expenses and provision for assets losses) to all revenues (operational income
included interest income and reversal of provision for assets losses)
*** Based on consolidated financial statement
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