Developing MsMe Credit segmentation

Dana SYIRKAH TeMPoReR Tabel Dana Syirkah Temporer Table of Temporary syirkah Fund dalam juta Rp in Rp million Uraian 2015 2014 Pertumbuhan Growth Description 1 2 3 4=2-3 5=2-33 1 Simpanan Nasabah 1,083,256 1,116,830 33,575 3.01 Deposits from Customers Simpanan Bank Lain 22,150 53,600 31,450 58.68 Deposits from Other Banks ToTaL 1,105,406 1,170,430 65,025

5.56 ToTaL

Pada tahun 2015, dana syirkah temporer Bank mencapai Rp1.105,41 miliar. Pencapaian tersebut menurun Rp65,03 miliar atau sebesar 5,56 dari tahun 2014 yang mencapai Rp1.170,43 miliar. Penurunan dana syirkah temporer terjadi pada simpanan nasabah dan simpanan bank lain. Penurunan simpanan nasabah mencapai Rp33,58 miliar atau sebesar 3,01 menjadi Rp1.083,26 miliar dari Rp1.116,83 miliar di 2014. Sedangkan, penurunan simpanan bank lain mencapai Rp31,45 miliar atau sebesar 58,68 atau menjadi Rp22,15 miliar dari Rp53,60 miliar di 2014. eKUiTas Tabel ekuitas Table of equity dalam juta Rp in Rp million Uraian 2015 2014 Pertumbuhan Growth Description 1 2 3 4=2-3 5=2-33 1 Modal Saham 713,917 713,917 - 0.00 Share Capital Tambahan Modal Disetor 21,945 21,945 - 0.00 Additional Paid-in Capital Keuntungan Kerugian yang Belum Direalisasi Atas Perubahan Nilai Wajar Efek-efek yang Tersedia Untuk Dijual - setelah pajak 6,046 395 6,442 1,629.04 Unrealised Gain Loss from Available for Sale Marketable Securities, net of tax Cadangan Revaluasi Aset - setelah pajak 260,083 - 260,083 100.00 Asset Revaluation Reserve – net of tax Saldo Laba 1,123,776 1,023,545 100,231 9.79 Retained Earnings Jumlah Ekuitas yang Dapat Diatribusikan Kepada Pemilik Entitas Induk 2,113,674 1,759,802 353,872 20.11 Total Equity Attributable to Equity Holders of the Parent Entity Kepentingan Non Pengendali 16 27 11 39.90 Non-Controlling Interest ToTaL 2,113,690 1,759,829 353,861

20.11 ToTaL

Pada tahun 2015, total ekuitas Bank mencapai Rp2.113,69 miliar, meningkat Rp353,86 miliar atau sebesar 20,11 dari tahun 2014 yang mencapai Rp1.759,83 miliar. Peningkatan ekuitas Bank khususnya berasal dari peningkatan cadangan revaluasi aset – setelah pajak dan peningkatan saldo laba. Peningkatan cadangan revaluasi aset – setelah pajak mencapai Rp260,08 miliar atau sebesar 100,00. Sedangkan, peningkatan saldo laba mencapai Rp100,23 miliar atau sebesar 9,79 menjadi Rp1.123,78 miliar dari Rp1.023,55 miliar di 2014. TeMPoRaRY sYiRKaH FUnD In 2015, the Bank’s temporary syirkah fund amounted to Rp1,105.41 billion, a decline of Rp65.03 billion or 5.56 from 2014 igure of Rp1,170.43 billion. The decline in temporary syirkah fund occurred in both deposits from customers and from other banks. Decrease in deposits from customers reached Rp33.58 billion or 3.01 from Rp1,116.83 billion in 2014 to Rp1,083.26 billion. Meanwhile, the decline in deposits from other banks reached Rp31.45 billion or 58.68, from Rp53.60 billion in 2014 to Rp22.15 billion. eQUiTY In 2015, the Bank’s total equity reached Rp2,113.69 billion, up by Rp353.86 billion or 20.11 from 2014 igure of Rp1,759.83 billion. The increase in the Bank’s equity was owing to an increase in asset revaluation reserve – net of tax and retained earnings. The increase in increase in asset revaluation reserve – net of tax was Rp260.08 billion or 100.00. Meanwhile, the increase in retained earnings was Rp100.23 billion or 9.79 from Rp1,023.55 billion in 2014 to to Rp1,123.78 billion. ConsoLiDaTeD sTaTeMenTs oF CoMPReHensive inCoMe LaPoRan LaBa RUGi KoMPReHensiF KonsoLiDasian Tabel Laporan Laba Rugi Komprehensif Konsolidasian Table of Consolidated statements of Comprehensive income dalam juta Rp in Rp million Uraian 2015 2014 Pertumbuhan Growth Description 1 2 3 4=2-3 5=2-33 1 Pendapatan Beban Operasional 356,480 337,620 18,860 5.59 Income and Expense from Operations Pendapatan Beban Operasional Lainnya 263,652 234,135 29,517 12.61 Other Operating Income and Expenses Laba Operasional 92,828 103,485 10,657 10.30 Income from Operations Pendapatan Non Operasional- neto 1,170 18,048 16,878 93.52 Non-Operating Income – net Laba Sebelum Beban Pajak Penghasilan 93,997 121,533 27,535 22.66 Income before Income Tax Expense Beban Pajak Penghasilan-neto 76 15,833 15,909 100.48 Income Tax Expense – net Laba Tahun Berjalan 94,073 105,699 11,626 11.00 Proit for the Year Penghasilan Komprehensif Lain Tahun Berjalan - setelah pajak 259,797 11,683 248,113 2,123.70 Other Comprehensive Income for the Year, net of tax Jumlah Penghasilan Komprehensif Tahun Berjalan 353,870 117,382 236,487 201.47 Total Comprehensive Income for the Year Laba Per Saham Dasar 13,18 15.26 2.08 13.63 Earnings per Share – Basic Laba Per Saham Dilusian 11,73 13.53 1.80 13.30 Earnings per Share – Diluted dinyatakan dalam nilai Rupiah penuh stated in full amount in Rupiah 356,480 92,828 1,170 263,652 400,000 300,000 200,000 100,000 - 100,000 200,000 300,000 Pendapatan Beban Operasional Income and Expense from Operations Laba Sebelum Pajak Penghasilan Income Income before Income Tax Expense Pendapatan Beban Operasional Lainnya Other Operating Income and Expenses Beban Pajak Penghasilan Income Tax Expense – Net Laba Operasional Income from Operations Laba Tahun Berjalan Proit for the Year Pendapatan Non Operasional Non-Operating Income – Net Pendapatan Kerugian Komprehensif Lain Other Comprehensive Income for the Year, Net of Tax Jumlah Laba Komprehensif Tahun Berjalan Total Comprehensive Income for the Year Laba Rugi Komprehensif Konsolidasian Consolidated statements of Comprehensive income dalam juta Rp in Rp million 2014 2015 337,620 103,485 18,048 121,533 105,699 117,382 11,683 15,833 234,135 93,997 94,073 353,870 259,797 76 PenDaPaTan BeBan oPeRasionaL Tabel Pendapatan Beban operasional Table of income and expense from operations dalam juta Rp in Rp million Uraian 2015 2014 Pertumbuhan Growth Description 1 2 3 4=2-3 5=2-33 1 Pendapatan Bunga dan syariah 2,013,810 2,031,299 17,489 0.86 interest income and sharia Pendapatan Bunga 1,869,444 1,881,450 12,006 0.64 Interest Income Pendapatan Syariah 144,366 149,849 5,483 3.66 Sharia Income Beban Bunga dan syariah 1,657,331 1,693,679 36,348

2.15 interest and sharia expenses

Simpanan Dana Pihak Ketiga 1,501,970 1,545,342 43,372 2.81 Third Party Deposits Obligasi yang Diterbitkan 102,490 103,500 1,010 0.98 Bonds Issued Amortisasi Emisi Obligasi 2,222 1,495 727 48.59 Amortization of Bonds Issuance Cost Simpanan Dari Bank Lain 50,649 43,326 7,323 16.90 Deposits from Other Banks Lain-lain - 17 17 100.00 Others ToTaL 356,480 337,620 18,860

5.59 ToTaL

Pada tahun 2015, pendapatan operasional Bank mencapai Rp356,48 miliar. Pencapaian tersebut meningkat Rp18,86 miliar atau sebesar 5,59 dari tahun 2014 yang mencapai Rp337,62 miliar. Peningkatan pendapatan operasional disebabkan penurunan beban bunga dan syariah yang lebih besar dari penurunan pendapatan bunga dan syariah. Penurunan beban bunga dan syariah mencapai Rp36,35 miliar atau sebesar 2,15 menjadi Rp1.657,33 miliar dari Rp1.693,68 miliar di 2014. Sedangkan, penurunan pendapatan bunga dan syariah mencapai Rp17,49 miliar atau sebesar 0,86 menjadi Rp2.013,81 miliar dari Rp2.031,30 miliar di 2014. Adapun penurunan beban bunga dan syariah khususnya berasal dari penurunan beban simpanan dana pihak ketiga yang mencapai Rp43,37 miliar atau sebesar 2,81. Penurunan beban simpanan dana pihak ketiga tersebut khususnya berasal dari penurunan beban simpanan deposito yang disebabkan Bank melakukan reproiling dana ke dana ritel serta dana yang bersifat jangka pendek ke dana yang bersifat jangka panjang. PenDaPaTan BeBan oPeRasionaL LainnYa Tabel Pendapatan Beban operasional Lainnya Table of other operating income and expenses dalam juta Rp in Rp million Uraian 2015 2014 Pertumbuhan Growth Description 1 2 3 4=2-3 5=2-33 1 Pendapatan operasional Lainnya 203,314 131,954 71,360 54.08 other operating income Pendapatan dari Investasi Reksadana 67,947 66,594 1,353 2.03 Income from Mutual Funds Keuntungan Atas Penjualan Efek-efek yang Diperdagangkan dan Tersedia Untuk Dijual - neto 92,238 30,329 61,909 204.12 Gains on Sale of Trading and Available for Sale Securities - net inCoMe anD eXPense FRoM oPeRaTions In 2015, the Bank’s operating income reached Rp356.48 billion. This achievement signiied an increase of Rp18.86 billion or 5.59 from 2014 igure of Rp337.62 billion. The increase in operating income was due to a decrease in interest and sharia expense being greater than the decline in interest income and sharia. The decrease in interest and sharia expense was Rp36.35 billion or 2.15, reaching Rp1,657.33 billion frm Rp1,693.68 billion in 2014. Meanwhile, the decline in interest income and sharia was Rp17.49 billion or 0.86, reaching Rp2,013.81 billion from Rp2,031.30 billion in 2014. The decrease in interest and sharia expense was especially derived from the decrease in third party deposits, which amounted to Rp43.37 billion or 2.81. The decrease in third party deposits was primarily owing to the decrease in saving deposits as the Bank conducted a funds reproiling, shifting its focus towards retail funds and moving from short-term funds to long-term funds. oTHeR oPeRaTinG inCoMe anD eXPenses