583 141 351 40 413 43 326 30 BJBR AM 2Q2016 Bahasa Analyst Meeting

8 Laporan Laba Rugi Positioning Pertumbuhan Rp Miliar 2Q’15 2Q’16 YoY YoY 1Q’16 2Q’16 QoQ QoQ Pendapatan Bunga 4,391 4,800 9.3 409 2,367 2,433 2.8 66 Beban Bunga 2,228 2,054 -7.8 174 1,064 990 -7.0 74 Pendapatan Bunga Bersih 2,163 2,746

26.9 583

1,303 1,443

10.8 141

Fee Based Income 195 211 8.4 16 93 118 27.8 26 Beban Operasional 1,525 1,821 19.4 296 849 972 14.4 122 Gain Loss on Financial Statement 40 88 5.0 48 46 42 -9.2 4 Laba Operasional Sebelum CKPN 873 1,224

40.3 351

592 632

6.7 40

Beban CKPN 109 38 -65.3 71 18 20 14.7 3 Pendapatan Non Operasional 24 34 40.0 10 20 14 -28.0 6 Laba Sebelum Pajak 739 1,152

55.9 413

555 597

7.7 43

Beban Pajak 160 247 54.2 87 117 130 10.5 12 Laba Bersih 579 905

56.3 326

437 468

6.9 30

9 Neraca Rp Miliar 2Q’15 3Q’15 4Q’15 1Q’16 2Q’16 YoY Kas atau Setara Kas 2,371 1,852 2,355 1,724 3,295 39.0 Giro pada Bank Indonesia 7,317 6,364 5,826 4,529 4,782 -34.6 Cadangan Sekunder 26,328 25,247 17,031 25,636 18,197 -30.9 Kredit net 50,699 52,947 54,112 54,148 59,370 17.1 Aktiva Tetap net 852 842 862 868 2,460 188.7 Aktiva Lainnya 2,430 3,003 2,785 2,782 2,802 15.3 Total Aktiva 89,997 90,255 82,971 89,687 90,906 1.0 Total Dana Pihak Ketiga 77,385 77,041 62,749 74,522 68,253 -11.8 Surat Berharga Yang Diterbitkan 1,722 1,723 1,723 1,122 1,122 -34.8 Pinjaman Diterima 2,608 2,914 3,852 4,720 5,618 115.4 Repo - - 3,656 - 5,242 - Lainnya 1,390 1,370 3,321 2,037 1,360 -2.2 Total Kewajiban 83,105 83,047 75,301 82,402 81,594 -1.8 Total Ekuitas 6,892 7,208 7,670 7,285 9,311 35.1 10 Segmen Rp Miliar 2Q’15 2Q’16 YoY Konsumer 36,191 41,447 14.5 Mikro 3,922 3,445 -12.2 Komersial 7,597 10,778 41.9 KPR 4,503 4,462 -0.9 Total Kredit 52,213 60,132 15.2 Mata Uang Rp Miliar 2Q’15 2Q’16 YoY Rupiah 52,037 59,722 14.8 Valas 176 410 131.6 31.5 32.7 33.6 34.7 36.2 37.2 38.2 39.7 41.4 5.1 4.8 4.5 4.2 3.9 3.6 3.3 3.2 3.4 6.8 7.2 6.8 6.3 7.6 9.2 9.2 7.8 10.8 4.28 4.28 4.44 4.48 4.50 4.47 4.51 4.49 4.46 10 20 30 40 50 60 70 R p t r Consumer Micro Commercial Mortgage 11 Indikator Utama 2Q’15 2Q’16 YoY Posisi Kredit 36,191 41,447 14.5 Ekspansi Netto Rp Miliar 2,613 3,230 23.6 Rata-Rata Per Debitur Rp Miliar 101 110 9.7 Jumlah Debitur 359,770 375,585 4.4 Tingkat Suku Bunga 15.00-18.45 eff. p.a Kualitas Aktiva 2Q’15 2Q’16 YoY Dalam Perhatian Khusus 0.26 0.36 +0.10 NPL 0.11 0.10 -0.01 29.1 30.2 30.9 31.9 33.0 33.7 34.3 35.2 35.8 2.4 2.5 2.6 2.8 3.2 3.6 3.9 4.5 5.6 0.0 0.1 0.2 0.3 0.4 0.5 0.6 0.7 0.8 0.9 1.0 5 10 15 20 25 30 35 40 45 R p tr Civil Servant Loans LHS Pensioner Loans LHS NPL RHS Kredit Mikro Utama 12 Kualitas Aktiva 2Q’15 2Q’16 YoY Dalam Perhatian Khusus 14.5 4.5 -10.0 NPL 25.1 14.2 -10.9 Indikator Inti 2Q’15 2Q’16 YoY Posisi Kredit 3,922 3,445 -12.2 Ekspansi Netto Rp Miliar 583 115 119.8 Rata-Rata per Debitur Rp Miliar 59 89 51.6 Jumlah Debitur 66,487 38,517 -42.1 Tingkat Suku Bunga 11.0 - 27.5 eff. p.a. 3.1 2.7 2.4 2.2 1.9 1.7 1.4 1.2 1.2 1.3 1.2 1.2 1.1 0.9 0.8 0.6 0.5 0.3 0.7 0.8 0.9 0.9 1.1 1.1 1.3 1.5 1.9 0.0 5.0 10.0 15.0 20.0 25.0 30.0 - 1.0 2.0 3.0 4.0 5.0 6.0 R p t r KMU LHS Govt Program LHS Others LHS NPL RHS 13 Indikator Inti 2Q’15 2Q’16 YoY Posisi Kredit 7,597 10,778 41.9 Ekspansi Netto Rp Miliar 747 1,532 104.9 Rata-Rata per Debitur Rp Miliar 1,226 1,674 36.6 Jumlah Debitur 6,198 6,438 3.9 Tingkat Suku Bunga 6.3 -14.5 eff. p.a Kualitas Aktiva 2Q’15 2Q’16 YoY Dalam Perhatian Khusus 5.9 2.5 -3.4 NPL 7.5 3.5 -4.0 4.2 4.5 4.0 3.3 4.5 6.0 6.0 4.7 7.5 1.5 1.5 1.6 1.6 1.7 1.7 1.8 1.8 1.8 1.2 1.1 1.3 1.3 1.4 1.4 1.4 1.4 1.5 - 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 11.0 12.0 13.0 14.0 15.0 - 2.0 4.0 6.0 8.0 10.0 12.0 R p t r Working Capital LHS Investment LHS Syndicated LHS NPL RHS 14 Indikator Inti 2Q’15 2Q’16 YoY Posisi Kredit 4,503 4,462 -0.9 Ekspansi Netto Rp Miliar 59 44 -175.3 Rata-Rata per Debitur Rp Miliar 250 233 -7.0 Jumlah Debtitur 17,989 19,167 6.5 Tingkat Suku Bunga 7.3 - 13.7 eff. p.a. Kualitas Aktiva 2Q’15 2Q’16 YoY Dalam Perhatian Khusus 15.4 15.8 +0.4 NPL 6.9 7.0 +0.1 4.28 4.28 4.44 4.48 4.50 4.47 4.51 4.49 4.46 - 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 11.0 12.0 13.0 14.0 15.0 4.15 4.20 4.25 4.30 4.35 4.40 4.45 4.50 4.55 R p t r Mortgage Loans LHS NPL RHS 15 Breakdown Dana Pihak Ketiga Rp Miliar 2Q’15 2Q’16 YoY Giro 27,860 26,017 -6.6 Tabungan 9,798 12,497 27.6 Deposito 39,728 29,738 -25.1 TOTAL 77,385 68,253 -11.8 Rasio CASA 48.7 56.4 +7.7 Mata Uang Rp Miliar 2Q’15 2Q’16 YoY Rupiah 76,921 66,957 -13.0 Valas 464 1,296 179.3 21.8 23.9 21.5 25.6 27.9 29.5 18.6 29.3 26.0 9.0 9.5 12.4 9.7 9.8 10.2 14.3 11.4 12.5 28.5 28.0 19.0 31.3 39.7 37.4 29.8 33.8 29.7 10 20 30 40 50 60 70 80 90 R p t r Current Account Savings Account Time Deposit Kredit Dalam Perhatian Khusus 16 84 70 53 73 93 109 101 151 149 920 741 647 572 567 389 281 234 155 297 289 323 280 451 286 106 109 271 543 567 568 692 694 729 720 723 706 - 0.5 1.0 1.5 2.0 2.5 3.0 3.5 4.0 4.5 - 200 400 600 800 1,000 1,200 1,400 1,600 1,800 2,000 Sp e ci a l M e n ti o n T o ta l L o a n s Ab so lu te S p e ci a l M e n ti o n L o a n s R p b n Consumer LHS Micro LHS Commercial LHS Mortgage LHS to Loans RHS 5 4 3 4 5 7 8 12 12 50 44 41 35 31 26 23 19 12 16 17 20 17 25 19 9 9 21 29 34 36 43 38 48 60 59 55 10 20 30 40 50 60 70 80 90 100 Sp e ci a l M e n ti o n C o n tr ib u ti o n Consumer Micro Commercial Mortgage Non Performing Loans 17 35 33 29 32 38 40 34 58 40 960 1,059 1,024 1,066 986 968 754 674 488 705 715 771 715 571 567 526 463 378 194 223 228 264 311 340 298 373 311 - 0.5 1.0 1.5 2.0 2.5 3.0 3.5 4.0 4.5 - 500 1,000 1,500 2,000 2,500 N on Pe rf o rm in g L o a n T o ta l L o a n s Ab so lu te N o n P e rf o rm in g L o a n s R p b n Consumer LHS Micro LHS Commercial LHS Mortgage LHS to Loans RHS 2 2 1 2 2 2 2 4 3 51 52 50 51 52 51 47 43 40 37 35 38 34 30 30 33 30 31 10 11 11 13 16 18 18 24 26 10 20 30 40 50 60 70 80 90 100 NP L C o n tr ib u ti o n Consumer Micro Commercial Mortgage Analisis Imbal Hasil 18 Imbal Hasil Aktiva 2Q’15 2Q’16 Penempatan pada BI 4.5 1.6 Penempatan pada Bank Lain 4.7 3.4 Surat Berharga 5.8 7.0 Kredit 15.0 14.8