Marketing strategy Third Party Funds Collection Development strategy

Tabel Jumlah Dana Produk Deposito Berjangka Berdasarkan Periode Table of Total Funds in Time Deposits by Time Period dalam juta Rupiah in Rp million Uraian 2015 2014 Pertumbuhan Growth Description 1 2 3 4=2-3 5=2-33 1 1 bulan 6,250,814 5,889,248 361,566 6.14 1 month 3 bulan 5,045,674 4,014,619 1,031,055 25.68 3 months 6 bulan 3,055,386 3,751,672 696,286 18.56 6 months 12 bulan 1,248,643 961,884 286,759 29.81 12 months ToTaL 15,600,517 14,617,423 983,094

6.73 ToTaL

Dari segi jumlah dana, produk deposito berjangka mengalami peningkatan sebesar 6,73 atau menjadi Rp15.600,52 miliar dari Rp14.617,42 miliar di 2014. Berdasarkan pihak jenis nasabah, peningkatan tersebut terjadi pada produk deposito berjangka pihak berelasi dan pihak ketiga yang masing-masing meningkat sebesar 28,73 dan 6,65. Berdasarkan periode, peningkatan tersebut terjadi pada produk deposito berjangka 12 bulan, 3 bulan, dan 1 bulan yang masing-masing meningkat sebesar 29,81, 25,68, dan 6,14. Namun, produk deposito berjangka 6 bulan mengalami penurunan jumlah dana sebesar 18,56 atau menjadi Rp3.055,39 miliar dari Rp3.751,67 miliar di 2014. Penurunan jumlah dana produk deposito berjangka 6 bulan yang sejalan dengan penurunan jumlah rekeningnya khususnya disebabkan oleh penggunaan deposito sebagai jaminan kredit back to back oleh beberapa nasabah. Untuk mengatasi penurunan kinerja produk deposito di tengah kecenderungan suku bunga yang menurun, Bank melakukan penggalangan deposan ritel maupun korporasi dengan tenor 1 bulan dan 3 bulan. Hal tersebut tercermin dalam penerapan special rate mingguan dengan pemberian tingkat bunga yang lebih tinggi bagi produk deposito berjangka 1 bulan 3 bulan dibandingkan produk deposito berjangka 6 bulan dan 12 bulan. PRoDUK PinJaMan Produk pinjaman merupakan pemberian kreditpembiayaan kepada pihak ketiga, baik perorangan maupun perusahaan. Dalam mendukung kinerja produk pinjaman, Bank senantiasa menawarkan tingkat suku bunga yang menarik dan bersaing. Selain itu, Bank juga menerapkan percepatan proses kredit dengan memperhatikan prinsip kehati-hatian. Hal tersebut telah berhasil meningkatkan kinerja produk pinjaman di 2015 sebesar 5,34 atau menjadi Rp13.094,05 miliar dari Rp12.430,39 miliar di 2014. In terms of total funds, time deposits increased by 6.73 to Rp15,600.52 billion from Rp14,617.42 billion in 2014. Based on the type of customer, the increase third party and related party time deposit funds was 28.73 and 6.65, respectively. Based on the time period, the increase in time deposits stored for 12 months, 3 months and 1 month was 29.81, 25.68 and 6.14, resepectively. On the other hand, funds stored in 6-month time deposits decreased by 18.56 to Rp3,055.39 billion from Rp3,751.67 billion in 2014. The decline in total funds stored in 6-month time deposits was in line with the decrease in the number of accounts for such time period, in particular due to the the use of time deposits as collateral for back to back loans by several customers. To overcome the performance decline tendency of time deposits amidst declining interest rates, the Bank strived to increase the number of retail and corporate depositors with time periods of 1 month and 3 months. This is relected in the application of a special weekly interest rate, which is a higher interest rate for 1-month and 3-month time deposits compared to 6-month and 12-month time deposits. Loan PRoDUCTs Loan products consist of lending or inancing to third parties, that can be individuals or companies. In supporting the performance of its loan products, the Bank continues to ofer attractive and competitive interest rates. In addition, the Bank has accelerated its credit process with due regard to the precautionary principle. The Bank correspondingly managed to improve the performance of its loan products in 2015, as relected by a growth of 5.34, recording Rp13,094.05 billion in total loans from Rp12,430.39 billion in 2014. Tabel Produk Pinjaman Berdasarkan PihakJenis nasabah Table of Loan Products by Type of Customer dalam Juta Rp in Rp million Uraian 2015 2014 Pertumbuhan Growth Description 1 2 3 4=2-3 5=2-33 1 Pihak Ketiga 13,084,433 12,403,671 680,763 5.49 Third Party Pihak Berelasi 9,615 26,719 17,105 64.02 Related Party ToTaL 13,094,048 12,430,390 663,658

5.34 ToTaL

Berdasarkan pihakjenis nasabah, kinerja produk pinjaman didominasi oleh pihak ketiga. Kinerja produk pinjaman pihak ketiga mengalami peningkatan sebesar 5,49 atau menjadi Rp13.084,43 miliar dari Rp12.403,67 miliar di 2014. Namun, kinerja produk pinjaman pihak berelasi mengalami penurunan sebesar 64,02 atau menjadi Rp9,62 miliar dari 26,72 miliar di 2014. Penurunan produk pinjaman pihak berelasi disebabkan beberapa debitur melunasi pinjamannya dan beberapa debitur tidak menggunaan fasilitasnya. Tabel Produk Pinjaman Berdasarkan Jenis Table of Loan Products by Type dalam juta Rupiah in Rp million Uraian 2015 2014 Pertumbuhan Growth Description 1 2 3 4=2-3 5=2-33 1 Pinjaman Tetap 7,631,078 7,800,601 169,523 2.17 Fixed Loans Pinjaman Tetap Dengan Angsuran 2,615,929 1,713,609 902,319 52.66 Fixed Loans with Installments Pinjaman Rekening Koran 1,058,895 1,139,861 80,967 7.10 Overdraft Loans Syariah 1,075,681 1,075,424 258 0.02 Sharia Loans Pinjaman Konsumen 544,281 542,381 1,900 0.35 Consumer Loans Pinjaman Serba Guna 167,396 157,441 9,956 6.32 Other Loans Pinjaman Tanpa Agunan 788 1,073 285 26.58 Unsecured Loans ToTaL 13,094,048 12,430,390 663,658

5.34 ToTaL

Berdasarkan jenis, kinerja produk pinjaman didominasi oleh pinjaman tetap. Peningkatan kinerja produk pinjaman berdasarkan jenis khususnya berasal dari pinjaman tetap dengan angsuran yang mengalami peningkatan sebesar 52,66 atau menjadi Rp2.615,93 miliar dari Rp1.713,61 miliar di 2014. Peningkatan kinerja pinjaman tetap juga diikuti dengan peningkatan kinerja pinjaman serba guna, pinjaman konsumen, dan syariah yang masing-masing meningkat sebesar 6,32, 0,35, dan 0,02. Namun, kinerja pinjaman tanpa agunan menurun sebesar 26,58 atau menjadi Rp0,79 miliar dari Rp1,07 miliar di 2014. Demikian pula dengan kinerja pinjaman rekening koran dan pinjaman tetap yang masing-masing menurun sebesar 7,10 dan 2,17. Penurunan kinerja pinjaman tanpa agunan disebabkan adanya pembayaran cicilan atas fasilitas pinjaman yang diberikan, namun tidak ada penambahan debitur yang baru atas pinjaman tersebut. Sedangkan penurunan kinerja pinjaman rekening koran dan pinjaman tetap disebabkan beberapa debitur mengurangi penggunaan fasilitas pinjaman kreditnya. Based on type of customer, loan products were dominated by third party loans. Performance of third party loans increased by 5.49, reaching Rp13,084.43 billion compared with Rp12,403.67 billion in 2014. However, the performance of related party loan products decreased by 64.02, amounting only to Rp9.62 billion, down from Rp26.72 billion in 2014. The decline in related party loan products was due to certain borrowers’ repayment of their loans and other borrowers’ not using the facilities ofered by the Bank. By type, loan products were dominated by ixed loans. Performance by type of loan was speciically improved due to ixed loans with installments, which increased by 52.66 to Rp2,615.93 billion, from Rp1,713.61 billion in 2014. Improved performance in this type of loan was also followed by the improvement in other loans, consumer loans, and sharia loans, which increased by 6.32, 0.35 and 0.02, respectively. On the other hand, the performance of unsecured loans decreased by 26.58 to Rp0.79 billion, from Rp1.07 billion in 2014. Similarly, the performance of overdraft loans and ixed loans respectively decreased by 7.10 and 2.17. The decline in the performance of unsecured loans was due to the repayment of the loan facility granted, without any addition of the loan. Meanwhile, the decline in the performance of overdraft loans and ixed loans was due to some borrowers’ reducing their use of the loan facility.