3.43 2.36 2.83 5.60 9.02 8.97 4.05 3.42 3.41 Total Loans 4.01 2.84 3.23 2.76 1.85 2.24 Analyst Meeting per 30 Juni 2017 BBTN AM 2Q2017

23 31-Dec 31-Dec 31-Dec 31-Dec 31-Dec Gross 2012 2013 2014 2015 2016 2016 2017 3.93

3.80 3.43

2.79 2.36

2.85 2.83

5.00 5.24 3.96 2.48 1.52 2.15 1.66 2.90 2.61 2.51 2.57 2.65 2.91 3.38 Other Housing Loans 3.08 3.17 3.47 3.44 3.59 3.91 4.53 4.74 4.75 5.13 3.81 3.21 3.94 3.84

5.08 5.60

8.51 9.02

7.14 8.97

6.86 Consumer Loan 2.00 2.03 2.55 2.17 1.35 2.42 1.48 Commercial Loan 5.72 6.63 10.16 11.57 9.44 11.34 9.28

4.09 4.05

4.01 3.42

2.84 3.41

3.23 Total Loans

Housing Loans Subsidized Mortgage Non-Subsidized Mortgage Construction Loan Non-Housing Loans 30-Jun Loan Type IDR Bn Share IDR Bn Share IDR Bn Share IDR Bn Share IDR Bn Share IDR Bn Share IDR Bn Share Current 68,420 84.04 84,301 83.91 95,262 82.18 116,887 84.12 142,963 86.94 125,535 84.07 150,333 84.74 Special Mentioned 9,665 11.87 12,101 12.04 16,004 13.81 17,316 12.46 16,807 10.22 18,688 12.52 21,338 12.03 PL 78,085 95.91 96,402 95.95 111,266 95.99 134,203 96.58 159,770 97.16 144,223 96.59 171,671 96.77 Substandard 686 0.84 458 0.46 338 0.29 250 0.18 260 0.16 469 0.31 493 0.28 Doubtful 542 0.67 457 0.45 454 0.39 359 0.26 333 0.20 565 0.38 670 0.38 Loss 2,098 2.58 3,151 3.14 3,859 3.33 4,144 2.98 4,083 2.48 4,059 2.72 4,567 2.57 NPL 3,326 4.09 4,066 4.05 4,650 4.01 4,753 3.42 4,676 2.84 5,093 3.41 5,730 3.23 PL + NPL 81,411 100.00 100,467 100.00 115,916 100.00 138,956 100.00 164,446 100.00 149,316 100.00 177,401 100.00 NPL Gross 4.09

4.05 4.01

3.42 2.84

3.41 3.23

NPL Netto 3.12

3.04 2.76

2.11 1.85

2.23 2.24

31-Dec-13 31-Dec-15 31-Dec-16 30-Jun-16 30-Jun-17 Collectibility 31-Dec-12 31-Dec-14 Note : Figures on all tables Include Sharia financing Loan Quality Breakdown: Subsidized Mortgage NPL Continued to Improve 24 Note : Figures Include Sharia financing Special-Mentioned Loan Special-Mentioned by Loan Type Special-Mentioned Loan 25 Note : Figures Include Sharia financing Restructured Loan Restructured Loan by Quality in 2Q17 Restructured Loan in 2Q17 IDR Billion Restructured Loan Outstanding IDR Billion 26 Liabilities: Sufficient to Support Loan Growth Total Liabilities IDR Trillion Funding Composition IDR Trillion Funding Composition 27 Deposits FY 2012 FY 2013 FY 2014 FY 2015 FY 2016 1H2016 1H2017

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