11
Summary PL Rp Bn 2Q 2015
1Q 2015 2Q 2014
1H 2015 1H 2014
Y-o-Y Q-o-Q
Interest Income 17,454
17,117 14,978
34,571 29,291
16.5 2.0
Interest Expense 6,518
6,853 5,603
13,371 10,667
16.3 -4.89
Net Interest Income 10,936
10,264 9,375
21,200 18,624
16.7 6.5
Net Premium Income 875
681 675
1,556 1,260
29.5 28.5
Net Interest Income Premium Income 11,811
10,945 10,050
22,755 19,884
17.5 7.9
Other Non Interest Income Other Fees and Commissions
2,677 2,349
2,212 5,026
4,342 21.0
14.0 Foreign Exchange Gains - Net
473 388
380 861
784 24.6
22.0 Gain fr. sale Incr. in Val Sale of Bonds
17 230
41 213
199 NA
NA Others
1,018 911
1,112 1,929
1,947 -8.4
11.8
Total Non Interest Income 4,152
3,877 3,745
8,029 7,273
10.9 7.1
Total Operating Income 15,963
14,822 13,795
30,785 27,157
15.7 7.7
Provisions, Net 2,446
1,549 1,624
3,996 2,841
50.6 57.9
Personnel Expenses 3,109
2,920 2,662
6,029 5,289
16.8 6.5
GA Expenses 3,173
2,574 2,693
5,747 5,002
17.8 23.3
Loss from decr. in value of Sec Gov Bonds -
- -
- -
- -
Other Expenses 941
987 727
1,928 1,472
29.4 -4.7
Total Expense 7,223
6,481 6,083
13,705 11,763
18.8 11.4
Profit from Operations
6,293 6,791
6,089 13,084
12,552 3.4
-7.3 Non Operating Income
2 10
2 5
NA NA
Net Income Before Tax 6,293
6,794 6,098
13,086 12,557
3.2 -7.4
Net Income After Tax 4,786
5,138 4,661
9,924 9,585
2.7 -6.9
7 8
.8 7
9 .7
8 2
.0 8
2 .7
8 2
.9 8
8 .7
9 2
.8 9
3 .6
9 2
.5 1
3 .1
1 1
.4 1
1 1
.7 1
1 8
.6 1
2 5
.2 1
2 9
.3 1
3 1
.7 1
2 9
.9 1
5 1
.9 1
5 3
.5 1
6 9
.7 1
6 6
.7 1
6 6
.3 1
7 6
.8 1
7 8
.2 1
7 5
.1 1
8 1
.4 4
2 .6
4 3
.6 4
5 .3
5 .6
5 .4
5 4
.2 5
8 .6
6 4
.7 6
4 .5
7 .7
7 5
.3 8
1 .1
8 2
.9 9
.1 9
3 .6
1 3
.0 1
2 .3
1 4
.4 1
1 8
.2 1
1 7
.1 1
1 6
.5 1
2 3
.9 1
2 7
.9 1
3 9
.1 1
4 5
.2 1
4 9
.1
14.4 15.816.6
17.418.0 19.7
20.7 22.824.5
25.9 27.7
30.3 30.9
33.2 35.138.5
38.5 42.5
44.1 46.5
46.3 49.0
52.0 57.3
55.3 57.9
4.64.8 5.1 5.4
5.6 6.0
6.5 7.3 7.7
8.5 9.5
11.8 13.1
15.1 16.8
19.0 20.7
23.9 24.9
27.0 28.2
31.0 32.7
36.0 37.2
39.7
19.7 20.621.7
23.624.8 26.7
28.6 30.732.4
34.3 36.3
39.0 40.7
43.3 44.5
47.749.3 52.4
55.2 56.6
57.4 60.3
62.4 64.765.7
67.7
1 Q
9 2
Q 9
3 Q
9 4
Q 9
1 Q
1 2
Q 1
3 Q
1 4
Q 1
1 Q
1 1
2 Q
1 1
3 Q
1 1
4 Q
1 1
1 Q
1 2
2 Q
1 2
3 Q
1 2
4 Q
1 2
1 Q
1 3
2 Q
1 3
3 Q
1 3
4 Q
1 3
1 Q
1 4
2 Q
1 4
3 Q
1 4
4 Q
1 4
1 Q
1 5
2 Q
1 5
Corporate Commercial
Small Micro
Consumer
Quarterly Loan Segment Details
Bank Only
Y-o-Y
12.4 28.2
18.1
20.3
9.1 15.2
Total 13.7
8.0 11.7
30.1
36.6
Break down
As of June 2015; Non-consolidated numbers
12
1 7
5 .2
1 8
1 .6
1 8
8 .3
1 9
8 .5
2 1
.9 2
1 8
.0 2
3 1
.9 2
4 6
.2 2
5 1
.8 2
7 6
.7 2
9 7
.5 3
1 4
.4 3
2 7
.2 3
5 .4
3 6
5 .2
3 8
8 .8
3 9
1 .6
4 2
8 .7
4 5
.8 4
7 2
.4 4
7 .4
4 8
5 .8
5 6
.5 5
3 .0
5 3
2 .8
5 5
2 .8
63.2 62.2
62.8 61.4
64.1 66.3
71.7 67.6
70.2 75.9
78.7 74.1
80.7 83.4
84.4 83.5 85.0
87.3 84.5
88.0 87.0
82.9 84.4
84.1
1 Q
9 2
Q 9
3 Q
9 4
Q 9
1 Q
1 2
Q 1
3 Q
1 4
Q 1
1 Q
1 1
2 Q
1 1
3 Q
1 1
4 Q
1 1
1 Q
1 2
2 Q
1 2
3 Q
1 2
4 Q
1 2
1 Q
1 3
2 Q
1 3
3 Q
1 3
4 Q
1 3
1 Q
1 4
2 Q
1 4
3 Q
1 4
4 Q
1 4
1 Q
1 5
2 Q
1 5
Loans Rp Tn LDR
1.4 3.7
3.7 5.5
1.7 7.96.4
6.2 2.3
9.9 7.5
5.7 4.17.1
4.2 6.5
0.7 9.5
5.1 4.8
-0.4 3.3
4.2 4.6
0.5 3.7
30.5 21.4
15.7 13.8
15.3 20.0 23.2
24.0 24.7
26.9 28.3
27.7 30.0
26.6 22.8
23.7 19.7
22.3 23.4
21.5 13.3
12.4 12.2
13.3 13.8
1 Q
9 2
Q 9
3 Q
9 4
Q 9
1 Q
1 2
Q 1
3 Q
1 4
Q 1
1 Q
1 1
2 Q
1 1
3 Q
1 1
4 Q
1 1
1 Q
1 2
2 Q
1 2
3 Q
1 2
4 Q
1 2
1 Q
1 3
2 Q
1 3
3 Q
1 3
4 Q
1 3
1 Q
1 4
2 Q
1 4
3 Q
1 4
4 Q
1 4
1 Q
1 5
2 Q
1 5
QoQ Growth YoY Growth
Quarterly Loan Data
Consolidated
3 4
.5 6
3 5
.2 4
3 7
.8 3
3 6
.4 9
3 5
.6 4
3 1
.1 5
2 9
.1 9
2 9
.7 5
3 .6
2 3
3 .9
6 3
5 .6
8 3
8 .8
6 3
8 .6
4 1
.8 7
4 4
.4 4
4 .3
5 4
1 .8
8 4
5 .4
7 4
5 .7
3 4
9 .6
2 4
8 .1
7 5
3 .2
9 5
9 .7
9 6
7 .7
5 6
2 .2
2 6
2 .9
5 7
2 .2
4 7
5 .3
8 7
3 .5
2 7
6 .9
104.5
95.9 111.0
80.5 78.3
68.5 61.9
68.2 71.7
76.3 80.7
86.6 82.9
91.5 89.0
75.8 76.0
76.2 75.4
76.4
68.0 65.1
64.3 69.0
72.0 71.3
74.2 73.2
66.8 61.1
50 60
70 80
90 100
110 120
M ar
8 Ju
n e
8 Se
p 8
D e
c 0 8
M ar
9 Ju
n e
9 S
e p
9 D
e c 0
9 M
ar 1
Ju n
e 1
S e
p 1
D e
c 1 M
ar 1
1 Ju
n e
1 1
S e
p 1
1 D
e c 1
1 M
ar 1
2 Ju
n 1
2 S
e p
1 2
D e
c 1 2
M ar
1 3
Ju n
1 3
S e
p 1
3 D
e c 1
3 M
ar 1
4 Ju
n e
1 4
S e
p 1
4 D
e c 1
4 M
ar 1
5 Ju
n 1
5
20 30
40 50
60 70
80
Loan Fx LDR FX
USD Bn
Rp Tn Breakdown of FX lending Bank-Only
2 Q 15 Total USD 5.768 Bn
0.01 0.07
0.11 0.34
0.38 0.42
0.55 0.66
0.72 1.06
1.46
Soc Serv Utilities
Constr Agri
Trans Trading
Bus Serv Oth
Mining Oil Gas
Mfg YoY
7 6
91 159
-37 34
-6 2
-68 66
FX Loans LDR Bank-Only
13
14
478.52 79.98
27.08 26.22
9.21 1.52
1.75
495.77
1Q15 Disburs.
Install. Payment Pay-off FX
Impact Write-
Offs 2Q 15
Loan Movement – 2Q 2015 Bank-Only
Rp Tn Loan Disbursement by Segment
– 2Q 2015 Bank-Only Rp Tn
40.79 18.46
8.18 7.61
4.94
79.98
Corporate Commercial Small
Micro Consumer
Total
15
308 1,168 1,549
1,744 519
510 1,027 1,390 1,400
2,003 2,681 3,403
4,303 4,925 5,138
1,300 602
690 1,329
97 305
1,113 1,221 1,526
2,031 2,543
3,744 3,991
4,660 4,786
967 1,017
1,528 1,408
610 372
1,040 1,345
1,693 2,352
2,850 3,972
4,509 4,869
645 799
819 775
-623 1,234
1,166 1,390
2,536 2,833
3,073 4,385
5,401 5,418
2 1
2 2
2 3
2 4
2 5
2 6
2 7
2 8
2 9
2 1
2 1
1 2
1 2
2 1
3 2
1 4
2 1
5 Q4 PAT
Q3 PAT Q2 PAT
Q1 PAT
Rp Bn
Bank Only - Capital RWA Movement Profit After Tax ROE
21.5 26.2
23.6 22.8
2.5 10.0
15.8 18.1
22.1 24.2
22.0 22.6
22.2 21.0
18.5
RoE - AT
• CAR inclusive of Credit and Market Risk started in December 2004 • CAR inclusive of Credit, Market and Operational Risk started in January 2010
• CAR under BASEL III in December 2014 was 17.39 1.1Tn from GIAA Recovery
1,099
4 2
.6 5
8 .1
7 2
.5 9
1 .9
1 8
.9 1
1 5
.9 1
1 2
.2 1
3 4
.0 1
7 2
.9 1
9 5
.8 2
4 2
.4 3
5 2
.5 4
.2 4
9 1
.3 5
1 4
.9 5
6 6
.4
1 3
.3 1
5 .4
1 7
.0 2
5 .5
2 7
.5 2
7 .4
2 8
.4 2
8 .3
2 7
.2 3
.5 3
5 .7
5 3
.3 6
2 .0
7 3
.9 8
5 .7
9 9
.9
2 2
1 2
2 2
3 2
4 2
5 2
6 2
7 2
8 2
9 2
1 2
1 1
2 1
2 2
1 3
2 1
4 2
1 5
RWA Rp Tn Total Capital Rp Tn
31.3
26.4
23.4 27.7
25.3 23.2
24.6 20.8
15.7 15.4
13.4 15.3
15.5 14.9 16.6
17.6
CAR
16
4 .3
3 .6
4 .9
4 .7
5 .4
5 .3
5 .1
5 .2
6 .0
5 .8
5 .1
5 .4
5 .2
5 .4
5 .2
5 .5
5 .8
5 .7
5 .5
5 .3
5 .7
6 .1
5 .9
5 .9
5 .8
5 .9
5 .4
5 .8
4 Q
4 4
Q 5
4 Q
6 4
Q 7
4 Q
8 4
Q 9
1 Q
1 2
Q 1
3 Q
1 4
Q 1
1 Q
1 1
2 Q
1 1
3 Q
1 1
4 Q
1 1
1 Q
1 2
2 Q
1 2
3 Q
1 2
4 Q
1 2
1 Q
1 3
2 Q
1 3
3 Q
1 3
4 Q
1 3
1 Q
1 4
2 Q
1 4
3 Q
1 4
4 Q
1 4
1 Q
1 5
2 Q
1 5
NIM
8.9 10.7
11.0
9.0 10.5
9.4 8.9 9.1
9.8 9.6 8.7
9.0 8.7
8.7 8.2
8.1 8.4
8.2 8.1
7.8 8.3
9.0 9.1
9.2 9.6
9.6 9.1
9.2
4.8 7.3
6.4
4.5 5.3
4.3 4.0
4.0 3.9
3.8 3.8
3.8 3.7
3.4 3.2
2.8 2.7
2.7 2.8
2.6 2.8
3.1 3.5
3.9 3.8
3.9 3.6
Yield on Assets Cost of Funds
6.75 6.41
5.15 5.23
4.95 7.24
5.13 4.90
4.69 5.33
4.80 5.4
5.04 4.90
4.84 4.50
4.53 5.13
4.40 4.51
4.47 6.61
4.22 4.33
3.03 1.47
0.83 0.71
0.75 0.70
0.48 0.30
0.51 0.63
0.60 0.6
0.72 0.73
0.74 0.59
0.64 0.67
0.81 0.73
0.74 0.87
1.06 0.79
5
4 Q
8 4
Q 9
1 Q
1 2
Q 1
3 Q
1 4
Q 1
1 Q
1 1
2 Q
1 1
3 Q
1 1
4 Q
1 1
1 Q
1 2
2 Q
1 2
3 Q
1 2
4 Q
1 2
1 Q
1 3
2 Q
1 3
3 Q
1 3
4 Q
1 3
1 Q
1 4
2 Q
1 4
3 Q
1 4
4 Q
1 4
1 Q
1 5
2 Q
1 5
13.16 12.19
13.09 12.70
12.50 11.75
12.05 11.89
12.49 11.4
11.6 11.8
11.3 11.2
10.8 11.1
11.8 11.8
12.0 12.4
12.2 12.1
12.2 10.26
6.73 6.84
6.24 7.32
6.55 6.46
5.94 4.85
3.9 4.0
3.39 3.85
4.715.28 5.85
5.7 6.0
6.4 6.4
5.8 4.7 4.4
4.3 4.2
4.1 4.3
4.2 3.9 3.7
3.0 3.13.0
3.7 3.9
4.6 4.4
4.5 4.3
5 10
15 20
Avg Loan Yield Avg Bond Yield
Avg COF
Starting on 4Q2014, we backout the LPS premium from the interest expense
17
Non-Loan Related Fees Commissions 2Q-2015
1Q-2015 2Q-2014
Y-o-Y Q-o-Q
Δ Δ
Administration Fees 799
644 657
21.6 24.1
Opening LC, BG Cap Market custodian trustee 278
253 218
27.2 9.8
Subsidiaries 371
376 376
1.2 1.2
Transfer, Retail Transaction 471
443 381
23.4 6.3
Credit Cards 401
379 352
13.9 5.7
Mutual Fund, ORI Bancassurance 101
93 88
15.1 8.5
Syndications 93
7 28
n.a n.a
Payroll Package 19
17 18
3.9 8.0
Others 163
137 95
71.5 44.1
Total 2,694
2,349 2,212
21.8 6.3
Foreign Exchange Gains 473
388 380
24.6 22.0
Gains Fr Sale Incr. in Value of Sec. Gov. Bonds 17
230 41
n.a n.a
Cash Recoveries 614
535 761
19.3 14.8
Total Fee Based Income As Reported 4,152
3,877 3,745
10.9 7.1
Total Operating Income 15,963
14,822 13,795
15.7 7.7
of Non Loan Related fees to total opr. income 26.0
26.2 24.5
