55 IDR billion Cons
Q2 2012 FY’
Q2 2011 Y-o-Y
Gross Loans
350,417 314,381
276,708 26.6
Government Bonds
80,438 78,459
77,930 3.2
Total Assets
571,758 551,892
474,929 20.4
Customer Deposits
418,220 422,251
362,637 15.3
Total Equity
67,100 62,654
56,610 18.5
RoA - before tax p.a.
3.38
3.38
3.67
RoE – after tax p.a.
21.88 21.98
24.29
Cost to Income
43.56
46.13
39.01
NIM p.a.
5.24
5.11
5.20
LDR
83.43
74.06
75.92
Gross NPL Total Loans
2.07 2.21
2.42
Provisions NPLs
185.15
174.17
172.21
Tier 1 CAR
16.17
14.86
16.17
Total CAR
incl Credit Opr Risk
16.21
15.18
16.78
Total CAR
incl. Credit, Opr Market Risk
16.15 15.13
16.73
EPS Rp
306.30
529.33
270.98 13.0
Book ValueShare Rp
2,876 2,708
2,426 18.5
Bank Only
56
Tot al
Asse ts
grew 17.3 Y
-o -Y
to Rp546.9
tn
Tot al Asse
ts Rp
tn Con
sol id
a ted
176.9 153.5
148.8 122.9
93.1 92.1
92.2 92.3
91.0 90.6
90.6 89.5
90.8 89.5
88.6 88.4
88.5 88.3
88.4 88.2
88.4 89.1
86.8 83.5
82.2 78.1
78.2 77.9
78.1 78.5
78.4 80.4
43.0 48.3
65.4 65.4
75.9 106.9
105.1 107.8
108.8 117.7
114.3 116.3
121.7 138.5
135.5 149.6
162.8 174.5
175.2 181.6
188.3 198.5
201.9 218.0
231.9 246.2
251.8 276.7
297.5 314.4
327.2 350.4
27.0 33.4
60.5 36.1
50.6 64.5
57.6 55.1
54.0 59.2
56.1 59.2
61.2 91.1
75.5 66.7
67.4 95.7
84.1 89.0
89.8 106.9
110.6 100.6
95.3 125.5
136.1 120.3
126.4 159.1
141.3 140.9
40 80
120 160
200 240
280 320
360 400
440 480
520 560
600 Q4 00
Q4 01 Q4 02
Q4 03 Q4 04
Q4 05 Q1 06
Q2 06 Q3 06
Q4 06 Q1 07
Q2 07 Q3 07
Q4 07 Q1 08
Q2 08 Q3 08
Q4 08 Q1 09
Q2 09 Q3 09
Q4 09 Q1 10
Q2 10 Q3 10
Q410 Q111
Q211 Q311
Q411 Q112
Q212
G ove
rnme nt
B ond
s Loa
ns O
the r Ass
e ts
75 .4
75 .4
74 .1
60 .6
40 .9
47 .1
34 .8
32 .3
32 .4
25 .4
19 .6
17 .7
16 .6
13 .4
11 .2
8.5 6
.1
19 .0
19 .0
19 .0
34 .1
46 .9
50 .1
52 .2
56 .8
57 .2
63 .6
68 .3
76 .0
71 .7
76 .5
75 .5
79 .5
90 .9
83 .4
In t.
fro m
B o
n d
s In
t. fro
m Loa
n s
57
Written-off Loans
Aggregate of Rp32.644 tn US 3.476 bn in written-off loans as of end-of June 2012, with significant recoveries and write back on-going:
2001: Rp2.0 tn
2002: Rp1.1 tn
2003: Rp1.2 tn
2004: Rp1.08 tn
2005: Rp0.818 tn US 83.2 mn
2006: Rp3.408 tn US 378.5 mn
2007: Rp1.531 tn US 249.3 mn
2008: Rp2.309 tn US 211.8 mn
9 Mo 09:
Rp1.489 tn US 146.4 mn
Q4 09: Rp0.775 tn US 82.5 mn
Q1 10: Rp0.287 tn US 31.6 mn
Q2 10: Rp0.662 tn US 73.0 mn
Q3 10: Rp0.363 tn US 40.7 mn
Q4 10: Rp1.349 tn US149.7 mn
Q1 11: Rp0.468 tn US53.8 mn
Q2 11: Rp0.446 tn US51.9 mn
Q3 11 : Rp0.508 tn US57.8 mn
Q4 11 : Rp0.78 tn US86.1 mn
Q1 12 : Rp1.647tn US180.1mn
Q2 12: Rp0.721tn US76.8mn
including the write-back of RGM loans totaling Rp2.336 tn Including the write back of Kharisma Arya Paksi loans totaling Rp 0.124 tn and Gde Kadek Rp0.59tn.
58 58
Summary BS
Q Q
Q Q
Q Y-o-Y
Rp tn Rp tn
Rp tn Rp tn
Rp tn
Total Assets 571.76
546.85 551.89
501.95 474.93
20.4 Cash
11.38 9.30
11.36 10.37
8.78 29.6
Current Acc w BI other banks 41.12
45.35 45.98
34.4 35.76
15.0 Placement w BI other banks
40.28 36.20
51.54 40.33
29.62 36.0
Securities 10.43
9.53 12.25
12.77 18.76
44.4 Government Bonds
80.43 78.40
78.46 78.09
77.93 3.2
- Trading 1.21
1.21 1.41
0.97 0.84
44.0 - AFS
55.84 53.82
53.67 53.74
53.66 4.1
- HTM 23.38
23.37 23.38
23.38 23.43
0.2 Loans
350.42 327.17
314.38 297.48
276.7 26.6
- Performing Loans 343.08
319.82 307.37
289.81 269.94
27.1 - Non-Performing Loans
7.34 16.05
7.01 7.67
6.76 8.5
Allowances -13.55
13.53 12.20
11.90 11.61
16.7 Loans
– Net 336.87
313.64 302.21
285.58 265.10
27.1 Total Deposits
– Non Bank 418.22
403.53 422.25
376.37 362.64
15.3 - Demand Deposits
87.00 80.49
92.62 73.44
70.20 23.9
- Savings Deposits 173.43
163.88 163.78
147.62 139.15
24.6 - Time Deposits
157.79 159.16
165.85 155.31
153.29 2.9
Sha eholde s E uity 67.10
66.26 62.65
59.76 56.61
18.5
USD1 = Rp9,392.5
incl. Minority Interest
59 59
Summary PL
Q2 2012 Q1 2012
Q2 2011 Y-o-Y
Q-o-Q Rp Bn
of Av.Assets
Rp Bn of
Av.Assets Rp Bn
of Av.Assets
Interest Income 10,284
7.4 9,938
