5
Programs to achieve the Corplan
Aspirations 2015-2020 is structurally
compiled to ensure a clear focus on each
phase and to be executed
directionally
STRENGTHENING FOUNDATION QUALITY
1. Improving Assets Quality and Portfolio Management
2. Enhancing Distribution Network Transformation
3. Stabilizing IT Platform 4. Strengthening Business
Process Re-engineering 5. Effective Cost Management
6. Subsidiaries Capital Management
7. Strengthening Human Resource and Corporate
Culture
2015 2016
2017 2018
2019
2016-2017
NIM Of
6 .4
S upport
s 15
.9 YoY
PPOP Gr
owth
22.10 24.40
22.00 22.55
22.23 20.95
18.33 12.64
2009 2010
2011 2012
2013 2014
2015 1Q16
R e
turn on E
qu ity
Tot al
CAS A
Rp Bn
Non P erf
ormi ng
Loan
186,492 201,958
256,395 316,127
359,957 380,512
443,874 406,525
2009 2010
2011 2012
2013 2014
2015 1Q16
2.79 2.42
2.21 1.87
1.90 2.15
2.60 3.18
2009 2010
2011 2012
2013 2014
2015 1Q16
7,155 9,218
12,246 15,504
18,204 19,872
20,335 5,138
2009 2010
2011 2012
2013 2014
2015 1Q15
E arni
ng Aft
er T a
x Rp
Bn
12,430 16,693
19,234 23,018
28,408 31,507
38,381 8,341
9,667
2009 2010
2011 2012
2013 2014
2015 1Q15
1Q16
P P
OP Rp
Bn Ne
t In
ter es
t Mar gi
n
5.04 5.28
5.11 5.46
5.74 5.97
6.08 6.42
2009 2010
2011 2012
2013 2014
2015 1Q16
Y o
Y 15
.9 Y
o Y
-25 .7
7
Ba k Ma di i s 1Q 2016 performance across several key indicators:
1Q 2015 1Q2016
Loans Rp 532.8Tn
Rp 574.7Tn 7.9
Gross NPL Ratio
Net NPL Ratio
2.27
0.89
3.18
1.16
40.1
30.1
Low Cost Funds Ratio
[Low Cost Funds Rp]
59.2
Rp 372.1 Tn
62.1
Rp 406.5 Tn
4.9
9.3
NIM 5.62
6.42 14.3
Efficiency Ratio 44.4
44.5 0.1
PPOP Rp 8,341 Bn
Rp 9,667 Bn 15.9
Earnings After Tax Rp 5,138 Bn
Rp 3,817 Bn 25.7
8
481 1,754
203 236
844
519 1,834
194 305
815
Micro Business Banking
Consumer Commercial
Corporate Treasury Markets
1Q 16 1Q 15
Net Interest Income Analysis 1Q 2016
Rp Bn
Fee Based Income 1Q 2016
Rp Bn
891 873
76 133
1Q16 1Q15
1 ,115
1 ,174
731 478
1Q16 1Q15
1 ,136
1 ,4
9 5
474 101
1Q16 1Q15
972 987
2 ,292
1 ,6
2 4
1Q16 1Q15
1 ,708
1 ,7
1 1
,466 1
,175
1Q16 1Q15
967 1,006
1,846 1,652
1,610 1,596
3,264
2,611 3,174
2,876
Treasury Markets
Corporate Banking
Commercial Banking
Consumer Banking
Micro Business
Banking
Deposits by Product – Consolidated
Rp Tn Loans by SBU + Subsidiaries
Rp Tn
119 .8
126 .5
135 .4
151 .8
150 .4
159 .9
166 .2
186 .9
179 .9
189 .8
198. 8
214 .7
201 .9
203 .0
208 .0
227. 7
207 .3
211 .0
218 .1
243 .7
224 .1
12.312.7 12.2
12.013.4 13.614.0
15.315.816.8 19.0
20.7 22.123.222.3
24.7 23.325.4
29.4 28.0
24.7 45.3
47 .9
49 .4
67 .3
75 .0
59.0 63
.0 77
.9 61
.2 74
.6 63
.9 73
.4 67
.2 74
.2 79
.6 78
.9 83.4
91 .7
90 .7
101 .2
95 .4
25.422.3 24.0
25.3 28.228.028.5
36.1 33.3
38.549.2 51.1
43.5 45.0
52.0 49.1
58.1 75.8
77.6 70.9
62.4
143 .5
140 .8
140 .0
148 .1
120 .8
137 .5
138. 9
150 .7
152 .8
153 .7
155 .2
176. 2
176 .9
190 .0
201 .6
222 .3
226 .2
220 .5
212 .1
206 .3
224 .4
10.312.4 15.3
17.8 15.6
20.3 20.4
16.1 24.0
29.0 28.2
20.1 20.0
20.5 27.5
33.730.5 30.526.6
26.2 24.2
20 40
60 80
100 120
140 160
180 200
220 240
260 280
300 320
340 360
380 400
420 440
460 480
500 520
540 560
580 600
620 640
660 680
1 Q
11 2
Q 11
3 Q
11 4
Q 11
1 Q
12 2
Q 12
3 Q
12 4
Q 12
1 Q
13 2Q
13 3
Q 13
4 Q
13 1
Q 14
2 Q
14 3Q
14 4
Q 14
1 Q
15 2
Q 15
3 Q
15 4
Q 15
1 Q
16 FX Time
Rp Time FX Demand
Rp Demand FX Savings
Rp Savings
91 .8
102 .3
109 .3
110 .9
117.8 124
.0 128
.0 130
.2 128
.6 150.8
159 .3
167 .9
164 .7
165 .2
175 .7
175 .8
174 .5
180 .6
185 .0
198 .8
18 5.2
1.6 1.5 1.7
1.4 1.3 1.5 1.6 1.8 1.6
1.5 1.7
2.0 2.3 1.3 1.3 1.3 0.8 1.0
0.9 1.4
1.3
64 .7
70 .1
74 .7
80 .7
82 .5
89 .8
93 .3
102 .7
102 .0
104 .2
11 1.0
116 .9
116 .3
123 .7
127 .7
142.8 145
.1 148
.9 149
.4 160
.6 153
.7
32.4 34.3
36.339.0 40.7
43.344.5 47.749.3
52.4 55.2
56.657.460.3 62.4
64.7 65.7
67.7 69.572.373.4
23.3 25.8
27.6 30.2
30.9 33.1
35.0 38.4 38.4
42.5 43.7
46.5 46.3 49.0
52.0 56.0
55.3 57.9
57.9 60.5
56.1
7.7 8.5
9.5 11.8
13.1 15.1
16.8 19.0 20.7
23.9 24.9
27.0 28.2
31.0 32.7
34.6 37.2
39.7 40.0
42.5 44.2
30.3 34.2
38.4 40.5
40.9 43.6
46.0 48.950.9
53.5 54.9
55.5 55.355.5
54.6 54.7
54.357.0 57.9
59.4 60.9
20 40
60 80
100 120
140 160
180 200
220 240
260 280
300 320
340 360
380 400
420 440
460 480
500 520
540 560
580 600
1 Q
11 2
Q 11
3Q 11
4 Q
11 1
Q 12
2 Q
12 3
Q 12
4Q 12
1 Q
13 2
Q 13
3 Q
13 4
Q 13
1 Q
14 2
Q 14
3 Q
14 4
Q 14
1 Q
15 2
Q 15
3Q 15
4 Q
15 1
Q 16
Subsidiaries Micro
Small Cons
Comm Intl
Corp
Y-o-Y
20.6
0.8
7.4 14.4
8.1
Y-o-Y
1.5
5.9
6.1 57.9
5.8
7.9
574.7 Tn
Total Total
628.7 Tn 655.1 Tn
4.2
12.1
9
532.8 Tn
11.8 18.8
10
Assets 1Q 2016
1Q 2015 Liabilities
1Q 2016 1Q 2015
Cash 18,440
16,756 Current Account
157,769 141,491
Current Acc w BI Other Banks 57,414
60,165 Savings
248,757 230,584
Placement w BI Other banks 58,048
62,821 Time Deposits
248,538 256,638
Advances Other 27,105
34,273 Marketable Securities
45,787 44,664
Total Deposits 655,063
628,712 Government Bonds
98,607 100,115
Loans Gross 574,704
532,824 Securities Issued
2,396 1,808
Provisions of Loans 24,099
18,240 Deposits from other banks
26,332 29,148
Net Loans 550,605
514,584 Borrowings
33,944 22,011
Reverse Repo 16,339
5,236 Other Int. Bearing Liabilities
13,122 21,202
Other Provisions 2,312
2,341 Non Int. Bearing Liabilities
57,835 60,676
Deferred Tax Assets 4,318
3,710 Equity incl. Minority Interest
118,047 104,791
Other Assets 32,388
28,366
Total 906,739
868,348 Total
906,739 868,348
11
Summary PL
Rp Bn, Consolidated
1Q 4Q
1Q Y-o-Y
Q-o-Q 2016
2015 2015
∆ ℅ ∆ ℅
Interest Income 18,308
18,933 17,117
7.0 3.3
Interest Expense 5,976
6,022 6,853
12.8 0.8
Net Interest Income 12,331
12,911 10,264
20.1 4.5
