POST - Laporan Keuangan Juni 2015

NOTES TO FINANCIAL STATEMENTS JUNE 30, 2015, 2014 AND DECEMBER 31, 2014 Expressed in million Rupiah, unless otherwise stated Continued - 87 - Pada 30 Juni 2015 dan 31 Desember 2014 bank memperoleh kembali saham masing-masing 138.972.380 saham dengan biaya perolehan sebesar Rp 135.215 juta dari hasil penggabungan usaha. At June 30, 2015 and December 31, 2014 the Bank obtain treasury stock each of 138.972.380 shares with cost of treasury stock amounting to Rp 135.215 million from the result of merger. 31. PENGGUNAAN LABA BERSIH 31. APPROPRIATION OF NET INCOME Cadangan wajib Statutory reserve Pada tanggal 30 Juni 2015 dan 31Desember 2014, saldo cadangan wajib adalah masing- masing sebesar Rp 40.904 dan Rp34.000 juta. Cadangan wajib ini dibentuk sehubungan dengan Undang-undang No. 402007 efektif tanggal 16 Agustus 2007 mengenai Perseroan Terbatas, yang mengharuskan perusahaan-perusahaan untuk membuat penyisihan cadangan wajib sebesar sekurang-kurangnya 20 dari jumlah modal yang ditempatkan dan disetor penuh. Undang-undang tersebut tidak mengatur jangka waktu untuk penyisihan tersebut. As of June 30, 2015 and December 31, 2014, the statutory reserve amounted to Rp40,904 and Rp34,000 million. This statutory reserve was provided in relation with the Law No. 402007 effective on August 16, 2007 regarding the limited liability company which requires companies to set up a statutory reserve amounting to at least 20 of the issued and paid up share capital. There is no timeline over which this amount should be provided. 32. LABA PER SAHAM DASAR DAN DILUSIAN 32. BASIC AND DILUTED EARNING PERSHARE Berikut ini adalah data yang digunakan untuk perhitungan laba per saham dasar dan dilusian: Calculation of basic and diluted earning per share is as follows: Laba bersih per saham dasar dan dilusian Basic and diluted earnings per shares 30 Juni 30 Juni June 2015 June 2014 Rp Juta Rp Juta Rp Million Rp Million Laba bersih yang tersedia Net profit attributable to bagi pemegang saham 175,110 93,707 shareholders Rata-rata tertimbang Weighted average number saham biasa yang beredar of ordinary shares dalam jutaan 2,895 1,700 on issue in million Laba per saham dasar dan dilusian Basic and diluted earning per share nilai penuh 60.49 55.12 in full amount 33. PENDAPATAN BUNGA 33. INTEREST REVENUES 30 Juni 30 Juni June 2015 June 2014 Rp Juta Rp Juta Rp Million Rp Million Pinjaman yang diberikan 688,662 116,825 Loans Efek-efek dan Obligasi Pemerintah 30,313 10,268 Marketable securities and Goverment bonds Giro dan penempatan pada Current account and placement Bank Indonesia dan bank lain 29,157 4,360 with Bank Indonesia and other bank Jumlah 748,132 131,453 Total Lihat Catatan 40 untuk rincian saldo dan transaksi dengan pihak berelasi. Refer to Note 40 for detailed balances and transactions with related parties. NOTES TO FINANCIAL STATEMENTS JUNE 30, 2015, 2014 AND DECEMBER 31, 2014 Expressed in million Rupiah, unless otherwise stated Continued - 88 - 34. BEBAN BUNGA

34. INTEREST EXPENSES

30 Juni 30 Juni June 2015 June 2014 Rp Juta Rp Juta Rp Million Rp Million Simpanan nasabah Deposit from customers Giro 1,970 9 Current accounts Tabungan 8,002 3,116 Saving deposits Deposito berjangka 368,113 12,585 Time deposits Efek-efek yang diterbitkan 19,198 - Marketable securities issued Pinjaman yang diterima 2,262 14 Borrowings Simpanan dari bank lain 3,324 257 Deposits from other banks Jumlah 402,869 15,981 Total Lihat Catatan 39 untuk rincian saldo dan transaksi dengan pihak berelasi. Refer to Note 39 for detailed balances and transactions with related parties. 35. PENDAPATAN OPERASIONAL LAINNYA 35. OTHER OPERATING REVENUES 30 Juni 30 Juni June 2015 June 2014 Rp Juta Rp Juta Rp Million Rp Million Keuntungan transaksi valuta asing 39,799 57,520 Gain on foreign currencies trade Kiriman uang 21,771 16,976 Money transfers Transaksi ekspor - impor 9,462 9,795 Trade finance transactions Tarikan tunai - - Cash witdrawal Bank garansi - - Guarantee bank Lainnya 36,858 4,531 Others Jumlah 107,890 88,822 Total

36. PEMBENTUKAN PEMULIHAN CADANGAN KERUGIAN

PENURUNAN NILAI ASET KEUANGAN

36. ALLOWANCEREVERSAL FOR IMPAIRMENT LOSSESOF FINANCIAL ASSETS

30 Juni 30 Juni June 2015 June 2014 Rp Juta Rp Juta Rp Million Rp Million Pinjaman yang diberikan Catatan 10 1,893 14,015 Loans Note 10 Tagihan akseptasi - - Acceptance receivable Jumlah 1,893 14,015 Total NOTES TO FINANCIAL STATEMENTS JUNE 30, 2015, 2014 AND DECEMBER 31, 2014 Expressed in million Rupiah, unless otherwise stated Continued - 89 - 37. BEBAN UMUM DAN ADMINISTRASI

37. GENERAL AND ADMINISTRATIVE EXPENSES

30 Juni 30 Juni June 2015 June 2014 Rp Juta Rp Juta Rp Million Rp Million Sewa 23,793 7,348 Rents Properties and equipments depreciation Penyusutan aset tetap Catatan 12 22,901 4,689 Note 12 Pemeliharaan dan perbaikan 4,286 4,555 Repair and maintenance Komunikasi 3,830 4,171 Communication Premi program penjaminan simpanan 3,267 4,145 Premium on deposit on guaranteed program Barang dan jasa 46,342 - Goods and services Pelatihan dan promosi 819 824 Training and promotion Peralatan dan kebutuhan kantor 514 633 Office supplies and stationaries Promosi 7,633 692 Promotion Listrik, air dan gas 439 404 Electricity, water and gasoline Transportasi 361 394 Transportation Asuransi 7,959 178 Insurance Pajak 8 14 Taxes Lain-lain 33,010 23,986 Others Jumlah 155,162 52,033 Total 38. BEBAN TENAGA KERJA 38. PERSONNEL EXPENSES 30 Juni 30 Juni June 2015 June 2014 Rp Juta Rp Juta Rp Million Rp Million Gaji dan upah 101,148 12,017 Salaries and wages Penyisihan imbalan kerja - - Allowance for employee karyawan Catatan 27 5,479 - benefits Note 27 Pendidikan dan pelatihan 3,096 - Training and education Jumlah 109,723 12,017 Total Jumlah gaji dan tunjangan Dewan Komisaris, Komite Audit, Dewan Direksi dan pejabat eksekutif adalah sebagai berikut: The total salaries and allowances paid to the Board of Commissioners, Audit Committee, Board of Directors and Executive Bank Officer are as follows: 30 Juni 30 Juni June 2015 June 2014 Rp Juta Rp Juta Rp Million Rp Million Dewan Komisaris dan Komite Audit 1,129 288 Board of Commissioner and Audit Committee Dewan Direksi dan Pejabat Eksekutif 7,350 5,370 Board of Directors and Executive Bank officers Dewan Komisaris dan Dewan Direksi merupakan personil manajemen kunci Bank. Board of Commissioners and Directors are key management personnel of the Bank. Lihat Catatan 39 untuk rincian saldo dan transaksi dengan pihak berelasi. Refer to Note 39 for detailed balances and transactions with related parties. NOTES TO FINANCIAL STATEMENTS JUNE 30, 2015, 2014 AND DECEMBER 31, 2014 Expressed in million Rupiah, unless otherwise stated Continued - 90 - 39. TRANSAKSI DENGAN PIHAK – PIHAK BERELASI 39. RELATED PARTIES TRANSACTIONS Dalam menjalankan kegiatan usahanya, Bank melakukan transaksi-transaksi dengan pihak- pihak berelasi In the course of business, the Bank entered into certain transactions with related parties. Sifat Berelasi Nature of Relationship Pihak-pihak berelasi adalah perusahaan dan perorangan yang mempunyai keterkaitan kepemilikan atau kepengurusan secara langsung maupun tidak langsung dengan Bank sebagaimana diungkapkan pada Catatan 2ad. Related parties are companies and individuals who directly or indirectly have relationships with the Bank through ownership or management as disclosed in Note 2ad. Berikut ini adalah pihak-pihak berelasi Bank, sifat hubungan dan sifat dari transaksi: The related parties, nature of relationship and nature of transactions are described as follows: 30 JuniJune 2015 Sifat dari hubungan Sifat dari transaksi Nature of relationship Nature of transaction Arifin Panigoro Pemegang saham Bank Simpanan dari nasabah The Bank‟s shareholder Deposits from customer Woori Bank, Korea Pemegang saham mayoritas bank Liabilitas segera; Stand by letter of credit; Majority shareholder of the bank Letter of credit Liabilities payable immadiately; Stand by letter of credit; Letter of credit Woori Bank, Tokyo Entitas anak kantor cabang asing yang Giro pada bank lain dikendalikan oleh Woori Bank, Korea Current accountss with other banks Foreign branches controlled by the Woori Bank, Korea Woori Bank, Vietnam Entitas anak kantor cabang asing yang Stand by letter of credit dikendalikan oleh Woori Bank, Korea Foreign branches controlled by the Woori Bank, Korea Pihak berelasi Related parties 30 JuniJune 2015 Sifat dari hubungan Sifat dari transaksi Nature of relationship Nature of transaction PT Medco Intidinamika Pemegang saham Bank The Bank‟s Sewa bangunan; Simpanan dari nasabah shareholder Rent of buildings; Deposits from customer PT Medco Duta Dimiliki oleh pemegang saham pengendali Sewa bangunan, Pinjaman yang PT Metra Duta Lestari yang samaOwned by the same controlling diberikan; Simpanan dari nasabah PT Usaha Tani Sejahtera Medco shareholder Rent of buildings; Loans; Foundation Deposits from customer PT Medco EP Indonesia PT Medco Energi Intenational Tbk PT Multifabrino Gemilang PT Medco Energi Mining Int PT Medco EP Rimau PT Medco EP Sembakung PT Api Metra Graha PT Medco EP Kalimantan PT Medco Methanol Bunyu PT Antareja Resources PT Medco Power Indonesia Darwin Cyril Noerhadi Komisaris Grup Medco Medco Group‟s Pinjaman yang diberikan Loans Commissioner KSU Mitra Saudara Dikelola oleh karyawan kunciControlled by Sewa kendaraan Rent of cars key management Yani Yuhani Panigoro, Raisis Keluarga pemegang saham BankFamily of Pinjaman yang diberikan; Panigoro, Roni Panigoro, Sonar the Bank‟s shareholders Simpanan dari nasabah Soni Panigoro Loans; Deposits from customers Dewan Komisaris, Dewan Direksi Manajemen kunci Bank Bank‟s key management Pinjaman yang diberikan; dan Pejabat Eksekutif BankBoard Simpanan dari nasabah of Commissioners, Directors and Loans; Deposits from customers Executive Bank Officers Pihak berelasi Related parties NOTES TO FINANCIAL STATEMENTS JUNE 30, 2015, 2014 AND DECEMBER 31, 2014 Expressed in million Rupiah, unless otherwise stated Continued - 91 - 30 JuniJune 2014 Sifat dari hubungan Sifat dari transaksi Nature of relationship Nature of transaction Arifin Panigoro Pemegang saham Bank Simpanan dari nasabah The Bank‟s shareholder Deposits from customer Woori Bank, Korea Pemegang saham mayoritas bank Liabilitas segera; Stand by letter of credit; Majority shareholder of the bank Letter of credit Liabilities payable immadiately; Stand by letter of credit; Letter of credit Woori Bank, Tokyo Entitas anak kantor cabang asing yang Giro pada bank lain dikendalikan oleh Woori Bank, Korea Current accountss with other banks Foreign branches controlled by the Woori Bank, Korea Woori Bank, Vietnam Entitas anak kantor cabang asing yang Stand by letter of credit dikendalikan oleh Woori Bank, Korea Foreign branches controlled by the Woori Bank, Korea Pihak berelasi Related parties 30 JuniJune 2014 Sifat dari hubungan Sifat dari transaksi Nature of relationship Nature of transaction PT Medco Intidinamika Pemegang saham Bank The Bank‟s Sewa bangunan; Simpanan dari nasabah shareholder Rent of buildings; Deposits from customer PT Medco Duta Dimiliki oleh pemegang saham pengendali Sewa bangunan, Pinjaman yang PT Metra Duta Lestari yang samaOwned by the same controlling diberikan; Simpanan dari nasabah PT Usaha Tani Sejahtera Medco shareholder Rent of buildings; Loans; Foundation Deposits from customer PT Medco EP Indonesia PT Medco Energi Intenational Tbk PT Multifabrino Gemilang PT Medco Energi Mining Int PT Medco EP Rimau PT Medco EP Sembakung PT Api Metra Graha PT Medco EP Kalimantan PT Medco Methanol Bunyu PT Antareja Resources PT Medco Power Indonesia Darwin Cyril Noerhadi Komisaris Grup Medco Medco Group‟s Pinjaman yang diberikan Loans Commissioner KSU Mitra Saudara Dikelola oleh karyawan kunciControlled by Sewa kendaraan Rent of cars key management Yani Yuhani Panigoro, Raisis Keluarga pemegang saham BankFamily of Pinjaman yang diberikan; Panigoro, Roni Panigoro, Sonar the Bank‟s shareholders Simpanan dari nasabah Soni Panigoro Loans; Deposits from customers Dewan Komisaris, Dewan Direksi Manajemen kunci Bank Bank‟s key management Pinjaman yang diberikan; dan Pejabat Eksekutif BankBoard Simpanan dari nasabah of Commissioners, Directors and Loans; Deposits from customers Executive Bank Officers Pihak berelasi Related parties