11
Summary PL Rp Bn 4Q 2016
3Q 2016 Q-o-Q
4Q 2015 4Q Y-o-Y
FY 2016 FY 2015
FY Y-o-Y
Interest Income 19,825
20,518 -3.4
18,933 4.7
76,710 71,570
7.2 Interest Expense
6,656 6,104
9.0 6,022
10.5 24,885
26,207 -5.0
Net Interest Income 13,168
14,413 -8.6
12,911 2.0
51,825 45,363
14.2
Net Premium Income 357
751
-52.5
696
-48.7
2,652 3,137
-15.4 Net Interest Income Premium Income
13,525 15,164
-10.8 13,607
-0.6 54,478
48,500 12.3
Other Non Interest Income Other Fees and Commissions
3,202 2,755
16.2 2,443
31.1 11,440
10,015 14.2
Foreign Exchange Gains - Net 631
618 2.0
844 -25.3
2,265 2,238
1.2 Gain fr. sale Incr. in Val Sale of Bonds
90 263
-65.9 178
-49.5 762
257 196.1
Others 1,899
1,399 35.8
2,015 -5.7
5,581 6,126
-8.9
Total Non Interest Income 5,822
5,036 15.6
5,479 6.2
20,048 18,636
7.6
Total Operating Income 19,347
20,200 -4.2
19,086 1.4
74,526 67,136
11.0 Provisions, Net
8,734 6,023
45.0 3,552
145.9 24,645
12,043 104.6
Personnel Expenses 3,435
3,290 4.4
3,444 -0.3
13,619 12,377
10.0 GA Expenses
3,517 3,497
0.6 3,730
-5.7 13,958
12,800 9.0
Loss from decr. in value of Sec Gov Bonds -
- -
- -
- -
- Other Expenses
1,011 889
13.7 906
11.6 3,691
3,578 3.2
Total Expense 7,963
7,676 3.7
8,080 -1.4
31,268 28,755
8.7 Profit from Operations
2,651 6,501
-59.2 7,455
-64.4 18,613
26,339 -29.3
Non Operating Income 17
15 15.4
23 -173.2
40 30
-230.5 Net Income Before Tax
2,634 6,486
-59.4 7,478
-64.8 18,573
26,369 -29.6
Net Income After Tax 1,793
4,933 -63.6
5,752 -68.8
13,807 20,335
-32.1
12
9 2
.5 103
.1 110
.4 111
.7 118
.6 1
2 5
.2 129
.3 131
.7 129
.9 151
.9 153
.5 1
6 9
.7 166
.7 166
.3 1
7 6
.8 177
.0 1
7 5
.1 181
.4 185
.8 200
.1 186
.4 2
6 .2
212 .4
231 .3
64 .5
70 .7
75 .3
8 1
.1 82
.9 90
.1 9
3 .6
103 .0
1 2
.3 104
.4 118
.2 117
.1 116
.5 1
2 3
.9 127
.9 142
.9 145
.2 149
.1 149
.5 1
6 .7
153 .7
158 .6
1 6
2 .6
165 .2
24.5 25.9
27.7 30.3
30.9 33.2
35.1 38.538.5
42.5 44.1
46.546.349.0 52.0
56.155.3 57.957.9
60.5 56.1
60.0 59.8
60.8
7.7 8.5
9.5 11.8
13.1 15.1
16.8 19.020.7
23.9 24.9
27.028.2 31.0
32.7 34.5
37.2 39.740.0
42.5 44.2
46.0 46.7
50.6
3 2
.4 34
.3 36
.3 39
.0 40
.7 4
3 .3
44 .5
47 .7
49 .3
52 .4
55 .2
5 6
.6 57
.4 60
.3 6
2 .4
64 .7
6 5
.7 67
.7 69
.5 72
.3 73
.4 7
6 .1
78 .9
84 .8
1 Q
11 2
Q 11
3 Q
11 4
Q1 1
1 Q
12 2
Q 12
3 Q1
2 4
Q 12
1 Q1
3 2
Q 13
3 Q
13 4
Q 13
1 Q
14 2
Q1 4
3 Q
14 4
Q 14
1 Q
15 2
Q 15
3 Q
15 4
Q1 5
1 Q
16 2
Q 16
3 Q1
6 4
Q 16
Corporate Commercial
Small Micro
Consumer
Quarterly Loan Segment Details
Bank Only
Y-o-Y
17.3 19.1
0.5
2.8
15.6 10.6
Total
14.3 8.5
10.3
27.9
39.0
Break down
As of December 2016; Non-consolidated numbers 251.8
276 .7
297 .5
314.4 327
.2 350
.4 365
.2 388
.8 391
.6 428.7
450 .8
472 .4
470 .4
485 .8
506.5 530
.0 532.8
552 .8
560 .6
595.5 574
.7 610
.9 625
.1 662
.0
70.2 75.9
78.7 74.1
80.7 83.4 84.4
80.1 83.5
85.087.3 84.5
88.0 87.0 82.9
84.4 84.1
85.3 87.7
87.4 88.190.2
86.5
1 Q
11 2Q
11 3
Q 11
4 Q
11 1Q
12 2
Q 12
3 Q
12 4
Q 12
1 Q
13 2
Q 13
3Q 13
4 Q
13 1
Q 14
2 Q
14 3
Q 14
4Q 14
1 Q
15 2Q
15 3
Q 15
4 Q
15 1Q
16 2
Q 16
3 Q
16 4
Q 16
Loans Rp Tn LDR
2.3 9.9
7.5 5.7
4.1 7.1
4.2 6.5
0.7 9.5
5.1 4.8
-0.4 3.3
4.2 4.6 0.5
3.7 1.4
6.2 0.0
6.3 2.3
5.9 24.7
26.9 28.3
27.7 30.0
26.6 22.8
23.7 19.7
22.3 23.4
21.5 20.1
13.3 12.4 12.2
13.3 13.8
10.7 12.4
7.9 10.5
11.5 11.2
1Q 11
2 Q
11 3
Q 11
4 Q
11 1
Q 12
2Q 12
3 Q
12 4Q
12 1
Q 13
2 Q
13 3Q
13 4
Q 13
1 Q
14 2
Q 14
3 Q
14 4
Q 14
1Q 15
2 Q
15 3
Q 15
4 Q
15 1
Q 16
2Q 16
3 Q
16 4Q
16 QoQ Growth
YoY Growth
Quarterly Loan Data
Consolidated
13
560.32
117.99 37.58
34.56 10.40
2.26 5.36
592.67
3Q16 Disburs. Install. Payment Pay-off
FX Impact
Write- Offs
4Q 16
Loan Movement – 4Q 2016 Bank-Only
Rp Tn Loan Disbursement by Segment
– 4Q 2016 Bank-Only Rp Tn
70.04
18.84 9.38
10.44 9.29
117.99
Corporate Commercial Small
Micro Consumer
Total
14
115 .9
112 .2
13 4.0
172 .9
195 .8
242.4 352
.5 400
.2 491
.3 514
.9 577
.3 643
.4
27.4 28.4
28.3 27.2
30.5 35.7
53.3 62.0
73.9 85.7
107.4 137.4
2005 2006
2007 2008
2009 2010
2011 2012
2013 2014
2015 2016
RWA Rp Tn Total Capital Rp Tn
Rp Bn
Bank Only - Capital RWA Movement Profit After Tax ROE
• CAR inclusive of Credit and Market Risk started in December 2004 • CAR inclusive of Credit, Market and Operational Risk started in January 2010
1.1Tn from GIAA Recovery 23.2
24.6 20.8
15.7 15.4 13.4
15.3 15.5
14.9 16.6
18.6 21.4
CAR
519 1,168 1,549
1,744 519
2,003 1,027
1,390 4,303
4,925 2,681
3,817 1,099
97 305
1,113 1,221
1,526 2,031
2,543 3,744
3,991 4,660
4,786 3,263
967 1,017
1,528 1,408
610 2,352
1,040 1,345
4,509 4,869
4,658 4,933
-623 1,234
1,166 1,390
2,536 2,833
3,073 4,385
5,401 5,418
5,753
1,794
2005 2006
2007 2008
2009 2010
2011 2012
2013 2014
2015 2016
Q4 PAT Q3 PAT
Q2 PAT Q1 PAT
2.5 10.0
15.8 18.1
22.1 24.2
22.0 22.6
22.2 21.0
18.3
9.7
38 .60
41 .87
44 .44
40 .35
41 .88
4 5
.47 45
.73 49
.62 48
.17 53
.29 59
.79 67
.75 6
2 .22
62 .95
7 2
.24 75
.38 73
.52 76
.90 78
.52 87
.79 83
.85 8
6 .55
77 .72
87 .85
82.9 91.5
89.0
75.8 76.0
76.2 75.4
76.4
68.0 65.1
64.3 69.0
72.0 71.3
74.2 73.2
66.8
61.1 61.0
73.1 80.3
79.2
72.6 74.3
50 55
60 65
70 75
80 85
90 95
M ar
11 Jun
e 11
S e
p 11
D e
c 11 M
ar 12
Jun 12
S e
p 12
D e
c 12 M
ar 13
Jun 13
S e
p 13
D e
c 13 M
ar 14
Ju n
e 14
S e
p 14
D e
c 14 M
ar 15
Jun 15
Se p
15 D
e c 15
M ar
16 Jun
16 S
e p
16 D
e c 16
20 30
40 50
60 70
80 90
Loan FX LDR FX
USD Bn
Rp Tn Breakdown of FX lending Bank-Only
4 Q 16 Total USD 6.52 Bn
0.04 0.13
0.19 0.20
0.32 0.62
0.64 0.72
0.77 1.08
1.80
Constr Utilities
Bus Serv Soc Serv
Trans Oth
Agri Trading
Mining Oil Gas
Mfg YoY
0.9 -9.6
32.3 -1.2
2.8 -13
-15.7 332.3
-8.3 263.4
-35.5
FX Loans LDR Bank-Only
15
16
5 .33
5 .84
5 .44
5.19 5
.54 5.84
5 .67
5 .50
5 .34
5 .71
6 .08
5 .94
5.90 5
.84 5
.92 5
.41 5
.79 5
.74 6
.74 6.28
6 .00
7.06 6
.03 4
Q 09
4 Q
10 4
Q 11
1 Q
12 2
Q 12
3Q 12
4 Q
12 1
Q 13
2 Q
13 3
Q 13
4 Q
13 1
Q 14
2Q 14
3 Q
14 4Q
14 1
Q 15
2 Q
15 3
Q 15
4 Q
15 1
Q 16
2 Q
16 3Q
16 4
Q 16
NIM
9.4 9.6
8.7 8.2
8.1 8.4
8.2 8.1
7.8 8.3
9.0 9.1
9.2 9.6 9.6
9.1 9.2 9.2
9.8 9.3
9.1 10.0
9.0
4.3 3.8
3.4 3.2
2.8 2.7 2.7
2.8 2.6
2.8 3.1 3.3
3.5 3.9
3.8 3.9
3.6 3.7 3.3 3.2
3.3 3.1
3.0
Yield on Assets Cost of Funds
6.4 7.2
5.3 4.9
5.1 4.4
4.5 4.5
6.6 4.2
4.3 4.4
6.4 4.6
4.6 13.3
3.8 1.5
0.7 0.6
0.7 0.7
0.8 0.7 0.7
0.9 1.1 0.80.7 0.7 1.0 1.0
1.2 1.3
5 10
15
4 Q
09 4
Q 10
4 Q
11 4
Q 12
4 Q
13 1Q
14 2
Q 14
3 Q
14 4
Q 14
1 Q
15 2
Q 15
3 Q
15 4Q
15 1
Q 16
2Q 16
3 Q
16 4
Q 16
12.6 12.5 12.5
11.3 11.8 11.8
12.0 12.4 12.2
12.112.212.212.1 11.9
11.3 11.3 11.3 6.7
6.5 4.1
4.0 5.3 5.4
5.9 5.7
6.0 6.4 6.4
6.7 6.9 7.0
6.6 6.7 6.8
4.7 4.2
3.9 3.0
3.7 3.9
4.1 4.6 4.4 4.5 4.3 4.3
3.8 3.7 3.6
3.5 3.4
5 10
15
Q4 09
Q 4
10 Q
4 11
Q 4
12 Q
4 13
Q 1
14 Q
2 14
Q3 14
Q 4
14 Q
1 15
Q 2
15 Q
3 15
Q 4
15 Q
1 16
Q2 16
Q 3
16 Q4
16 Avg Loan Yield
Avg Bond Yield Avg COF
Starting on 4Q2014, we back out the LPS premium from the interest expense 4Q 15 3Q16, If we adjust the interest income from RGM, NIM would be 6.5 6.0 , YoA would be 9.5 8.9, Average FX Loan Yield 4.2 4.2
17
Some numbers have been reclassified to some fee categories
Non-Loan Related Fees Commissions 4Q
2016 3Q
2016 QoQ
4Q 2015
4Q YoY FY
2016 FY
2015 FY YoY
Δ Δ
Δ
Administration Fees 875
878 0.3
844 3.7
3,487 3,115
12.0 Opening LC, BG Cap. Market Custodian Trustee
336 297
13.1 293
14.9 1,259
1,280 1.6
Subsidiaries 416
388 7.4
9 NA
1,475 1,031
43.0 Transfer, Retail Transaction
722 565
27.8 599
20.6 2,409
1,992 20.9
Credit Cards 496
497 0.0
517 4.1
1,994 2,103
5.2 Mutual Fund, ORI Bancassurance
125 100
24.0 128
2.9 426
417 2.2
Syndications 240
77 211.4 80
199.9 560
214 161.8
Payroll Package 19
18 7.4
20 2.9
75 77
1.8 Others
28 65 55.9
30 4.7
245 214
14.6
Total 3,202
2,755 16.2 2,443
31.1 11,440 10,015
