55 IDR billion Cons
Q3 2012 FY’
Q3 2011 Y-o-Y
Gross Loans
365,163 314,381
297,482 22.75
Government Bonds
77,915 78,459
78,095 0.23
Total Assets
588,406 551,892
501,945 17.23
Customer Deposits
430,916 422,251
376,370 14.49
Total Equity
71,295 62,654
59,764 19.29
RoA - before tax p.a.
3.45
3.38
3.50
RoE – after tax p.a.
22.18 21.98
22.65
Cost to Income
43.26
46.13
40.77
NIM p.a.
5.41
5.11
5.14
LDR
84.37
74.06
78.66
Gross NPL Total Loans
2.04 2.21
2.56
Provisions NPLs
189.59
174.17
155.47
Tier 1 CAR
16.13
14.86
15.49
CAR Under Basel III
-
17.17
-
Total CAR
incl. Credit, Opr Market Risk
16.08 15.13
16.13
EPS Rp
476.55
529.33
393.11 21.23
Book ValueShare Rp
3,056 2,708
2,561 19.29
Bank Only
5 6
T o
tal A
ss e
ts g
re w
1 7
.2 Y
-o -Y
t o
R p
5 8
8 .4
tn
Tot al A
sse ts
Rp tn
C o
n so
lid a
te d
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
77.9
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
365.2
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
145.3
4 8
1 2
1 6
2 2
4 2
8 3
2 3
6 4
4 4
4 8
5 2
5 6
6 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 Q312
G o
ve rn
m e
n t
B o
n d
s Lo
a n
s O
th e
r A
ss e
ts
7 5
.4 75
.4 7
4 .1
6 .6
4 .9
4 7
.1 3
4 .8
3 2
.3 3
2 .4
2 5
.4 1
9 .6
1 7
.7 1
6 .6
1 3
.4 1
1 .2
8 .5
6 .1
7 .3
1 9
.0 1
9 .0
1 9
.0 3
4 .1
4 6
.9 5
.1 5
2 .2
5 6
.8 5
7 .2
6 3
.6 6
8 .3
7 6
.0 7
1 .7
7 6
.5 7
5 .5
7 9
.5 9
.9 8
3 .4
8 8
.6
In t.
f ro
m B
o n
d s
In t.
f ro
m L
o a
n s
57
Written-off Loans
Aggregate of Rp32.797 tn US 3,427 bn in written-off loans as of end-of Sep 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
Q3 12: Rp0.489tn US51.1mn
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
Summary BS
Q Q
Q Q
Q Y-o-Y
Rp tn Rp tn
Rp tn Rp tn
Rp tn
Total Assets 588.41
571.76 546.85
551.89 501.95
17.2 Cash
11.48 11.38
9.30 11.36
10.37 10.6
Current Acc w BI other banks 45.05
60.36 45.35
45.98 40.33
11.7 Placement w BI other banks
43.38 21.04
36.20 51.54
34.40 26.1
Securities 10.98
7.59 9.16
12.25 13.17
16.7 Government Bonds
77.92 80.43
78.40 78.46
78.10 0.2
- Trading 1.76
1.21 1.21
1.41 0.98
80.7 - AFS
52.77 55.84
53.82 53.67
53.75 1.8
- HTM 23.39
23.38 23.37
23.38 23.38
0.1 Loans
365.16 350.42
327.17 314.38
297.48 22.8
- Performing Loans 357.66
343.08 319.82
307.37 289.81
23.4 - Non-Performing Loans
7.50 7.34
16.05 7.01
7.67 2.2
Allowances 14.20
13.55 13.53
12.20 11.90
19.3 Loans
– Net 350.96
336.87 313.64
302.21 285.58
22.9 Total Deposits
– Non Bank 430.92
418.22 403.53
422.25 376.37
14.5 - Demand Deposits
91.44 87.00
80.49 92.62
73.43 24.5
- Savings Deposits 180.21
173.43 163.88
163.78 147.62
22.1 - Time Deposits
159.27 157.79
159.16 165.85
155.31 2.5
Sha eholde s E uity 71.30
67.10 66.26
62.65 59.76
19.3
USD1 = Rp9,570.0
incl. Minority Interest
59
Summary PL
Q3 2012 Q2 2012
Q3 2011 Y-o-Y
Q-o-Q Rp Bn
of Av.Assets
Rp Bn of
Av.Assets Rp Bn
of Av.Assets
Interest Income 10,929
7.5 10,284
