Q2 09
Q3 09
Q4 09
Q1 10
Q2 ‘10
Y ‐o‐Y
Rp tn Rp tn
Rp tn Rp tn
Rp tn US
bn
Total Assets 358 90
366 49 394 62
399 24 402 08
44 36 12 03
Total Assets
358.90 366.49
394.62
399.24 402.08
44.36
12.03 Cash
5.91 9.39
8.87 6.63
6.45 0.71
9.14 Placement
with BI 28.32
30.36 48.81
17.92 25.71
2.84 9.22
Placement with other banks 29.00
25.59 26.57
27.20 25.33
2.79 12.66
Placement with other banks
29.00 25.59
26.57 27.20
25.33 2.79
12.66 Securities
3.22 9.75
3.73
35.48 25.75
2.84
699.69 Government
Bonds 88.39
88.36 89.13
86.82 83.54
9.22 5.48
Trading 0.16
0.25 0.43
0.27 0.15
0.02
6.25 AFS
26.22 26.12
25.92 63.13
59.96 6.61
128.71 HTM
62.01 62.00
62.79 23.42
23.43 2.58
62.22 Loans
181.61 188.28
198.55 201.94
217.99 24.05
20.03 172 23
180 37 192 34
196 57 213 12
23 51 23 75
Performing Loans
172.23 180.37
192.34 196.57
213.12 23.51
23.75 Non
‐Performing Loans 9.39
7.92 6.21
5.36 4.88
0.54
48.01 Allowances
12.78 12.29
12.45 11.50
11.55 1.27
9.60 Loans
Net 168 83
176 00 186 10
190 43 206 45
22 77 22 28
Loans – Net
168.83 176.00
186.10 190.43
206.45 22.77
22.28 Total
Deposits – Non‐Bank 287.06
295.55 319.55
312.91 326.58
36.03 13.77
Demand Deposits
65.61 66.79
72.70 69.80
73.34 8.09
11.78 Savings
Deposits 97.13
102.39 113.80
106.98 113.75
12.55
17.11
49 g
p Certificate
Time Deposits 124.32
126.37 133.06
136.13 139.49
15.39 12.21
Shareholders’ Equity
31.44 33.10
35.11 36.78
36.51 4.03
16.13
USD1 = Rp9,065
Summary PL
Q2 2009
Q1 2010
Q2 2010
Q ‐o‐Q
Y ‐o‐Y
Rp Billions of
Av.Assets Rp Billions
of Av.Assets
Rp Billions of
Av.Assets
Interest Income
8,035 9.10
8,030 8.09
8,188 8.17
1.97 1.90
Interest Expense
3,769 4.27
3,396 3.42
3,452 3.45
1.65 8.41
Net Interest Income Net
Interest Income
4,266 4.83
4,634 4.67
4,735 4.73
2.18 10.99
Other Operating Income
1,332
1.51
1,327
1.34
2,225
2.22 67.67
67.04 Gain
from Increase in Value l
f d
66
0.07
90
0.09
21
0.02 76.67
68.18 Sale
of Bonds
66
0.07
90
0.09
21
0.02 76.67
68.18 Provisions,
Net
599
0.68
692
0.70
1,162
1.16 67.92
93.99 Personnel
Expenses
1,390
1.57
1,306
1.32
1,374
1.37 5.21
1.15
, ,
, G
A Expenses
1,005 1.14
1,051 1.06
1,265 1.26
20.36 25.87
Other Operating Expenses
300
0.34
383
0.39
394
0.39 2.87
31.33 Profit from Operations
2 370 2 68
2 619 2 64
2 786 2 78
6 38 17 55
Profit from Operations
2,370
2.68
2,619
2.64
2,786
2.78 6.38
17.55 Non
Operating Income
57
0.06
114
0.11
35
0.03 130.70 161.40
Net Income Before Tax
2,427
2.75
2,733
2.75
3,750
3.74 37.21
54.51
50 Net
Income After Tax
1,527
1.73
2,003
2.02
2,031
2.03 1.40
33.01
of Average Assets on an annualized basis primarily premiums paid under the blanket guarantee scheme
Maturity Trading
Portfolio Available
for Sale Held
to Recap
Bond Portfolio by Type and Maturity Rp83,537 bn
0.02 70
Bonds by Rate Type Portfolio as of June 2010
Rp bn y
Rp bn Maturity
Nominal MTM
Nominal MTM
Fixed Rate Bonds
1 year ‐
‐ ‐
‐ 3
60 0.02
30 40
50 60
Fixed Rate
Variable Rate
1 year 3
1 ‐ 5 year
141 146
18 18
732 5
‐ 10 year ‐
‐ ‐
‐ 829
10 year 120
60
21.745 0.15
1.68 10
20 30
10 year ‐
‐ ‐
‐ 120
Sub Total
141 146
18 18
1,684 Variable
Rate Bonds
Mark to Market impacts Profit Mark to Market impacts Equity
Nominal value
Trading AFS
HTM
1 year ‐
‐ ‐
‐ ‐
1 ‐ 5 year
‐ ‐
8,640 8,482
1,505 5
‐ 10 year ‐
‐ 34,477
34,062 20,239
FY ‘09
Q1 ‘10
Q2 ‘10
Realized GainsLosses
19 01 61 81
0 93 Q2
‘10 Recap Bond GainsLosses Rp bn
10 year ‐
‐ 17,614
17,401 ‐
Sub Total
‐ ‐
60,731 59,945
21,745 on
Bonds 19.01
61.81 0.93
Unrealized GainsLosses
on Bonds
2.04 3.00
3.98
51 T
o t a l 141
146 60,749
59,963 23,429
Total 21.05
58.81 4.91
Series Maturity
Date No.
Trading AFS
HTM Trading
Interest Rate
Marked To
Market Fair
Value Nominal
AFS HTM
1 FR0014 15
‐Nov‐10 15.58
‐ 2,947
100.000 ‐
