87,005 102,614 124,927 147,948 129,058 90.29 153,316 18.80 13,463 13.40 13,302 14,029 10.10 16,498 13,885 9.71 16,371 17.90 o.y 31-Dec-15 Analyst Meeting per 31 Maret 2017

19 Loans Composition: Focused on Housing Loans Gross Loan IDR Trillion Housing and Non-Housing Loans Note : Figures on all graphs Include Sharia financing IDR Bn Shares IDR Bn Shares IDR Bn Shares IDR Bn Shares IDR Bn Shares IDR Bn Shares IDR Bn Shares Housing Loans 70,223

86.26 87,005

86.60 102,614

88.52 124,927

89.90 147,948

89.97 129,058 90.29 153,316

90.35 18.80

Subsidized Mortgages 25,562 31.40 28,429 28.30 34,347 29.63 43,527 31.32 56,835 34.56 45,924 32.13 59,529 35.08 29.62 Non-Subsidized Mortgages 29,129 35.78 39,548 39.36 45,601 39.34 53,567 38.55 60,469 36.77 54,996 38.47 62,189 36.65 13.08 Other Housing Loans 6,070 7.46 7,198 7.16 8,179 7.06 8,934 6.43 8,723 5.30 8,771 6.14 8,660 5.10 -1.26 Construction Loan 9,462 11.62 11,829 11.77 14,486 12.50 18,900 13.60 21,921 13.33 19,367 13.55 22,938 13.52 18.44 Non-Housing Loans 11,187

13.74 13,463 13.40 13,302

11.48 14,029 10.10 16,498

10.03 13,885 9.71 16,371

9.65 17.90

Consumer Loan 1,923 2.36 2,597 2.59 2,916 2.52 3,839 2.76 4,738 2.88 3,776 2.64 4,182 2.46 10.75 Commercial Loan 9,264 11.38 10,865 10.81 10,386 8.96 10,190 7.33 11,761 7.15 10,109 7.07 12,189 7.18 20.57 Total Loans 81,411 100.00 100,467 100.00 115,916 100.00 138,956 100.00 164,446 100.00 142,944 100.00 169,687 100.00 18.71 31-Dec-12 31-Dec-13 31-Dec-16 31-Dec-14 Loans Type

y.o.y 31-Dec-15

31-Mar-16 31-Mar-17 20 Mortgages: Growth Remained Strong Subsidized Mortgages IDR Billion Non Subsidized Mortgages IDR Billion Note : Figures on all graphs Include Sharia financing Mortgage Composition Total Mortgages IDR Billion 21 Loan Disbursement: Mortgages Construction Loans were the Drivers IDR Trillion Note : Figures on graph and table Include Sharia financing IDR Billion 2016 2017 IDR Bio Housing Loans 28,041 33,955 34,029 41,812 47,216 9,357 11,294 20.71 Subsidized Mortgages 4,213 6,506 7,960 12,771 17,527 3,351 3,834 14.42 Non-Subsidized Mortgages 12,479 14,286 12,629 13,404 14,315 2,894 3,403 17.56 Other Housing 2,659 2,500 2,416 2,418 1,823 391 421 7.85 Construction Loan 8,690 10,663 11,023 13,219 13,551 2,720 3,636 33.64 Non-Housing Loans 9,679 10,338 7,569 9,434 12,043 2,791 3,038 8.85 Consumer Loan 1,809 2,389 2,564 4,268 4,779 1,697 1,160 -31.62 Commercial Loan 7,870 7,949 5,005 5,166 7,264 1,094 1,878 71.62 Total Loans 37,720 44,293 41,598 51,246 59,259 12,147 14,332 17.98 FY 2015 FY 2016 Loans Type FY 2012 FY 2014 FY 2013 3 Months of

y.o.y