ToTaL asseTs switching to a new Core Banking system

Uraian 2015 2014 Pertumbuhan Growth Description 1 2 3 4=2-3 5=2-33 1 Provisi dan Komisi Selain Dari Pinjaman 8,914 5,662 3,252 57.44 Fees and Commissions From Transactions Other Loans Keuntungan Atas Kenaikan Nilai Wajar Efek-efek yang Diperdagangkan - neto 3,773 - 3,773 100.00 Gain on the Increase in the Fair Value of Trading Securities – net Lain-lain 30,443 29,370 1,073 3.65 Others Beban operasional Lainnya 466,966 366,089 100,877

27.56 other operating expenses

Pemulihan Beban Penyisihan Kerugian Penurunan Nilai Aset Keuangan 116,985 44,712 72,273 161.64 Reversal of Provision for Impairment Losses on Financial Assets Pemulihan Beban Penyisihan Kerugian Penurunan Nilai Aset Non Keuangan 36,487 1,247 37,734 3,025.94 Reversal of Provision for Impairment Losses on Non- Financial Assets Beban Umum dan Administrasi 131,658 130,077 1,580 1.21 General and Administrative Expenses Beban Tenaga Kerja 166,032 182,101 16,069 8.82 Personnel Expenses Lain-lain 15,804 10,446 5,358 51.30 Others ToTaL 263,652 234,135 29,517

12.61 ToTaL

Pada tahun 2015, beban operasional lainnya - neto Bank mengalami peningkatan Rp29,52 miliar atau sebesar 12,61 menjadi Rp263,65 miliar dari Rp234,14 miliar di 2014. Peningkatan beban operasional lainnya disebabkan oleh peningkatan pendapatan operasional lainnya yang lebih kecil dari peningkatan beban operasional lainnya. Peningkatan pendapatan operasional lainnya mencapai Rp71,36 miliar atau sebesar 54,08 menjadi Rp203,31 miliar dari Rp131,95 miliar di 2014. Sedangkan, peningkatan beban operasional lainnya mencapai Rp100,88 miliar atau sebesar 27,56 menjadi Rp466,97 miliar dari Rp366,09 miliar di 2014. Peningkatan beban operasional lainnya tersebut khususnya disebabkan peningkatan beban penyisihan kerugian penurunan nilai aset keuangan yang mencapai Rp72,27 miliar atau 161,64. LaBa oPeRasionaL Laba operasional Bank mengalami penurunan Rp10,66 miliar atau sebesar 10,30 menjadi Rp92,83 miliar di 2015 dari Rp103,49 miliar di 2014. Penurunan laba operasional tersebut disebabkan peningkatan pendapatan operasional yang lebih rendah dari peningkatan beban operasional lainnya – neto. PenDaPaTan non oPeRasionaL Tabel Pendapatan non operasional Table of non-operating income dalam juta Rp in Rp million Uraian 2015 2014 Pertumbuhan Growth Description 1 2 3 4=2-3 5=2-33 1 Pendapatan non operasional 1,403 18,793 17,390

92.53 non-operating income

Penerimaan Dari Pinjaman yang Telah Dihapusbukukan - 16,200 16,200 100.00 Proceeds from Write-Of Loan Laba Penjualan Aset Tetap 709 1,873 1,164 62.13 Gain on Sale of Fixed Assets In 2015, other operating expenses – net increased by Rp29.52 billion or 12.61, to Rp263.65 billion from Rp234.14 billion in 2014. The increase in other operating expenses – net was due to the increase in other operating income being smaller than the increase other operating expenses. The increase in other operating income was Rp71.36 billion or 54.08, to Rp203.31 billion from Rp131.95 billion in 2014. Meanwhile, the increase in other operating expenses amounted to Rp100.88 billion or 27.56, to Rp466.97 billion from Rp366.09 billion in 2014. The increase in other operating expenses was particularly due to the increase in provision for impairment losses on inancial assets, which amounted to Rp72.27 billion, or signifying a 161.64 rise. inCoMe FRoM oPeRaTions The Bank’s income from operations was down by Rp10.66 billion or 10.30, from Rp103.49 billion in 2014 to Rp92.83 billion in 2014. Such a decrease was owing to the increase in income from operations being lower than the increase in other operating expenses – net. non-oPeRaTinG inCoMe