INFORMASI SEGMEN SEGMENT INFORMATION

NOTES TO FINANCIAL STATEMENTS FOR THE SIX-MONTH PERIODS ENDED JUNE 30, 2013 AND 2012 AND THE YEARS ENDED DECEMBER 31, 2012, 2011 AND 2010 AND JANUARY 1, 2010DECEMBER 31, 2009 Continued Luar Jabodetabek Jabodetabek Jumlah Jabodetabek Non-Jabodetabek Total Rp000 Rp000 Rp000 PENDAPATAN REVENUES Pendapatan segmen Segment revenues Pendapatan pengelolaan dana oleh Revenue from fund management bank sebagai Mudharib 126.468.958 19.877.220 146.346.178 as Mudharib Pendapatan administrasi 3.834.098 1.602.986 5.437.084 Administrative Jumlah pendapatan segmen 130.303.056 21.480.206 151.783.262 Total segment revenues Beban segmen Segment expenses Hak pihak ketiga atas bagi hasil Third partiess share on return dana syirkah temporer 42.582.043 15.002.996 57.585.039 of temporary syirkah funds Bonus Wadiah 1.598.810 131.107 1.729.917 Bonuses on Wadiah deposits Jumlah beban segmen 44.180.853 15.134.103 59.314.956 Total segment expenses Hasil segmen 86.122.203 6.346.103 92.468.306 Segment income Pendapatan tidak dapat dialokasikan 455.613 Unallocated income Beban tidak dapat dialokasikan 43.351.938 Unallocated expenses Laba sebelum pajak 49.571.981 Income before tax Beban pajak 12.473.185 Tax expense Laba bersih 37.098.796 Net income ASET ASSETS Penempatan pada Bank Indonesia 420.123.793 - 420.123.793 Placements w ith Bank Indonesia Giro pada bank lain - bersih 40.167 15.524 55.691 Demand deposits w ith other banks - net Penempatan pada bank lain - bersih 24.750.000 - 24.750.000 Placements w ith other banks - net Investasi pada sukuk - bersih 138.573.758 - 138.573.758 Investments in sukuk - net Piutang Murabahah - bersih 713.383.806 56.643.421 770.027.227 Murabahah receivables - net Pembiayaan Mudharabah - bersih 454.835.527 62.518.891 517.354.418 Mudharabah financing - net Pembiayaan Musyarakah - bersih 120.272.346 109.688.286 229.960.632 Musyarakah financing - net Aset tetap - bersih 3.799.683 20.961.258 24.760.941 Premises and equipment - net Aset lainnya - bersih 12.451.437 2.424.207 14.875.644 Other assets - net Jumlah aset 2.140.482.104 Total assets LIABILITAS LIABILITIES Bagi hasil dana syirkah temporer Undistributed revenue sharing of temporary dan bonus Wadiah yang belum dibagikan 3.528.789 799.899 4.328.688 syirkah funds and Wadiah bonuses Simpanan 171.765.087 15.733.690 187.498.777 Deposits Liabilitas lainnya 15.719.371 1.695.925 17.415.296 Other liabilities Jumlah liabilitas 209.242.761 Total liabilities DANA SYIRKAH TEMPORER 1.183.611.025 255.965.336 1.439.576.361 TEMPORARY SYIRKAH FUNDS 31 DesemberDecember 31, 2012 Disajikan kembali Catatan 39 As restated Note 39 240 NOTES TO FINANCIAL STATEMENTS FOR THE SIX-MONTH PERIODS ENDED JUNE 30, 2013 AND 2012 AND THE YEARS ENDED DECEMBER 31, 2012, 2011 AND 2010 AND JANUARY 1, 2010DECEMBER 31, 2009 Continued Luar Jabodetabek Jabodetabek Jumlah Jabodetabek Non-Jabodetabek Total Rp000 Rp000 Rp000 PENDAPATAN REVENUES Pendapatan segmen Segment revenues Pendapatan pengelolaan dana oleh Revenue from fund management bank sebagai Mudharib 62.769.516 7.552.083 70.321.599 as Mudharib Pendapatan administrasi 2.744.693 966.345 3.711.038 Administrative Jumlah pendapatan segmen 65.514.209 8.518.428 74.032.637 Total segment revenues Beban segmen Segment expenses Hak pihak ketiga atas bagi hasil Third partiess share on return dana syirkah temporer 15.424.921 11.601.487 27.026.408 of temporary syirkah funds Bonus Wadiah 404.118 82.381 486.499 Bonuses on Wadiah deposits Jumlah beban segmen 15.829.039 11.683.868 27.512.907 Total segment expenses Hasil beban segmen 49.685.170 3.165.440 46.519.730 Segment income expense Pendapatan tidak dapat dialokasikan 405.422 Unallocated income Beban tidak dapat dialokasikan 32.292.843 Unallocated expenses Laba sebelum pajak 14.632.309 Income before tax Beban pajak 3.732.766 Tax expense Laba bersih 10.899.543 Net income ASET ASSETS Penempatan pada Bank Indonesia 94.198.443 - 94.198.443 Placements w ith Bank Indonesia Giro pada bank lain - bersih 160.022 18.382 178.404 Demand deposits w ith other banks - net Penempatan pada bank lain - bersih 49.500.000 - 49.500.000 Placements w ith other banks - net Investasi pada sukuk - bersih 133.723.378 - 133.723.378 Investments in sukuk - net Piutang Murabahah - bersih 320.767.189 62.756.547 383.523.736 Murabahah receivables - net Pembiayaan Mudharabah - bersih 214.800.474 54.782.159 269.582.633 Mudharabah financing - net Pembiayaan Musyarakah - bersih 45.957.469 2.705.500 48.662.969 Musyarakah financing - net Aset tetap - bersih 2.767.308 21.678.973 24.446.281 Premises and equipment - net Aset lainnya - bersih 13.115.743 1.749.535 14.865.278 Other assets - net Jumlah aset 1.018.681.122 Total assets LIABILITAS LIABILITIES Bagi hasil dana syirkah temporer Undistributed revenue sharing of temporary dan bonus Wadiah yang belum dibagikan 1.285.435 498.234 1.783.669 syirkah funds and Wadiah bonuses Simpanan 12.314.075 7.610.882 19.924.957 Deposits Liabilitas lainnya 6.087.165 488.561 6.575.726 Other liabilities Jumlah liabilitas 28.284.352 Total liabilities DANA SYIRKAH TEMPORER 384.626.201 151.206.383 535.832.584 TEMPORARY SYIRKAH FUNDS 31 DesemberDecember 31, 2011 Disajikan kembali Catatan 39 As restated Note 39 241 NOTES TO FINANCIAL STATEMENTS FOR THE SIX-MONTH PERIODS ENDED JUNE 30, 2013 AND 2012 AND THE YEARS ENDED DECEMBER 31, 2012, 2011 AND 2010 AND JANUARY 1, 2010DECEMBER 31, 2009 Continued Luar Jabodetabek Jabodetabek Jumlah Jabodetabek Non-Jabodetabek Total Rp000 Rp000 Rp000 PENDAPATAN REVENUES Pendapatan segmen Segment revenues Pendapatan pengelolaan dana oleh Revenue from fund management bank sebagai Mudharib 20.598.723 773.285 21.372.008 as Mudharib Pendapatan administrasi 1.338.449 123.793 1.462.242 Administrative Jumlah pendapatan segmen 21.937.172 897.078 22.834.250 Total segment revenues Beban segmen Segment expenses Hak pihak ketiga atas bagi hasil Third partiess share on return dana syirkah temporer 5.550.834 3.748.748 9.299.582 of temporary syirkah funds Bonus Wadiah 49.822 13.145 62.967 Bonuses on Wadiah deposits Jumlah beban segmen 5.600.656 3.761.893 9.362.549 Total segment expenses Hasil beban segmen 16.336.516 2.864.815 13.471.701 Segment income expense Pendapatan tidak dapat dialokasikan 532.114 Unallocated income Beban tidak dapat dialokasikan 24.192.398 Unallocated expenses Rugi sebelum pajak 10.188.583 Loss before tax Manfaat pajak 3.282.459 Tax benefit Rugi bersih 6.906.124 Net loss ASET ASSETS Penempatan pada Bank Indonesia 79.140.445 - 79.140.445 Placements w ith Bank Indonesia Giro pada bank lain - bersih 25.382 136.532 161.914 Demand deposits w ith other banks - net Penempatan pada bank lain - bersih 59.400.000 - 59.400.000 Placements w ith other banks - net Investasi pada sukuk - bersih 59.213.469 - 59.213.469 Investments in sukuk - net Piutang Murabahah - bersih 27.558.164 13.529.922 41.088.086 Murabahah receivables - net Pembiayaan Mudharabah - bersih 98.839.780 1.952.516 100.792.296 Mudharabah financing - net Pembiayaan Musyarakah - bersih 80.826.646 217.800 81.044.446 Musyarakah financing - net Aset tetap - bersih 3.815.354 22.608.474 26.423.828 Premises and equipment - net Aset lainnya - bersih 10.351.244 1.386.122 11.737.366 Other assets - net Jumlah aset 459.001.850 Total assets LIABILITAS LIABILITIES Bagi hasil dana syirkah temporer Undistributed revenue sharing of temporary dan bonus Wadiah yang belum dibagikan 756.271 422.536 1.178.807 syirkah funds and Wadiah bonuses Simpanan 14.726.852 608.309 15.335.161 Deposits Liabilitas lainnya 3.366.111 422.132 3.788.243 Other liabilities Jumlah liabilitas 20.302.211 Total liabilities DANA SYIRKAH TEMPORER 165.551.210 129.480.536 295.031.746 TEMPORARY SYIRKAH FUNDS 31 DesemberDecember 31, 2010 Disajikan kembali Catatan 39 As restated Note 39

33. JAMINAN PEMERINTAH

TERHADAP KEWAJIBAN PEMBAYARAN BANK UMUM

33. GOVERNMENT GUARANTEE ON PAYMENT OF PRIVATE BANKS’ OBLIGATIONS

Berdasarkan Salinan Peraturan Lembaga Penjamin Simpanan No. 1PLPS2005 pada tanggal 26 September 2005 tentang Program Penjaminan Simpanan yang menyatakan bahwa sejak tanggal 22 September 2005, Lembaga Penjamin Simpanan menjamin simpanan yang meliputi giro, deposito berjangka, sertifikat deposito, tabungan, dan atau bentuk lain yang dipersamakan dengan itu yang merupakan simpanan yang berasal dari masyarakat termasuk yang berasal dari bank lain. Based on Lembaga Penjamin Simpanan Regulation No. 1PLPS2005 dated September 26, 2005 regarding Deposit Guarantee Program, since September 22, 2005 the “Lembaga Penjamin Simpanan” will guarantee bank deposits including demand deposits, time deposits, certificate of deposits, savings deposit and other forms of deposits, including deposits from other banks. 242 NOTES TO FINANCIAL STATEMENTS FOR THE SIX-MONTH PERIODS ENDED JUNE 30, 2013 AND 2012 AND THE YEARS ENDED DECEMBER 31, 2012, 2011 AND 2010 AND JANUARY 1, 2010DECEMBER 31, 2009 Continued Berdasarkan Peraturan Pemerintah Republik Indonesia No. 39 tahun 2005 tanggal 12 Oktober 2005 tentang Penjaminan Simpanan Nasabah Bank berdasarkan Prinsip Syariah yang menyatakan bahwa sejak tanggal 12 Oktober 2005 Lembaga Penjamin Simpanan menjamin nasabah bank berdasarkan prinsip syariah sesuai dengan ketentuan dalam Undang-Undang No. 24 tahun 2004 tentang Lembaga Penjamin Simpanan. In accordance with Government Regulation No. 39 year 2005 dated October 12, 2005 regarding Deposit Guarantee Customer based on Sharia Principles which states that since October 12, 2005 “Lembaga Penjamin Simpanan” will guarantees bank’s customers based on sharia principles in accordance with the provisions of Law No. 24 year 2004 regarding “Lembaga Penjamin Simpanan”. Berdasarkan Peraturan Pemerintah Republik Indonesia No. 66 tahun 2008 tanggal 13 Oktober 2008, yang menyatakan bahwa sejak tanggal 13 Oktober 2008 besaran nilai simpanan yang dijamin Lembaga Penjamin Simpanan untuk setiap nasabah pada satu bank yang semula maksimal Rp 100 juta diubah menjadi maksimal Rp 2.000 juta. In accordance with Government Regulation No. 66 year 2008 dated October 13, 2008 starting October 13, 2008 the “Lembaga Penjamin Simpanan” will guarantee deposits of each customer in bank which was previously set at a maximum of Rp 100 million and was changed to a maximum of Rp 2,000 million. Beban premi penjaminan Pemerintah yang dibayar selama periode enam bulan yang berakhir 30 Juni 2013 dan 2012 dan tahun-tahun yang berakhir 31 Desember 2012, 2011 dan 2010 masing-masing sebesar Rp 1.209.301 ribu, Rp 298.848 ribu, Rp 1.806.369 ribu, Rp 874.989 ribu dan Rp 98.815 ribu. The Government guarantee premiums paid during the six-months period ended June 30, 2013 and 2012 and the years ended December 31, 2012, 2011 and 2010 amounted to Rp 1,209,301 thousand, Rp 298,848 thousand, Rp 1,806,369 thousand, Rp 874,989 thousand dan Rp 98,815 thousand, respectively.

34. RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM

34. CAPITAL ADEQUACY RATIO

Perhitungan rasio kewajiban penyediaan modal minimum dilakukan sesuai dengan Peraturan Bank Indonesia No. 713PBI2005 tanggal 10 Juni 2005 yang diubah dengan Peraturan Bank Indonesia No. 87PBI2006 tanggal 27 Pebruari 2006 mewajibkan bank-bank untuk memenuhi rasio kewajiban penyediaan modal minimum sebesar 8 dari aset tertimbang menurut resiko penyediaan dana dan resiko pasar. Bank wajib memperhitungkan risiko pasar dalam kewajiban penyediaan modal minimum dengan menggunakan metode standar. The calculation of capital adequacy ratio in accordance with Bank Indonesia Regulation No. 713PBI2005 dated June 10, 2005, as amended by Bank Indonesia Regulation No. 87PBI2006 dated February 27, 2006 requires banks to meet the minimum capital adequacy ratio of 8 of risk-weighted assets for credit risk and market risk. The Bank are required to include market risk in calculation of capital adequacy using the standard method. Surat Edaran Bank Indonesia No. 753DPbS tanggal 22 Nopember 2005 yang mengatur tentang Kewajiban Penyediaan Modal Minimum bagi Bank Umum yang melaksanakan kegiatan usaha berdasarkan prinsip syariah yang kemudian diubah dengan Surat Edaran Bank Indonesia No. 810DPbS tanggal 7 Maret 2006. Circular Letter of Bank Indonesia No. 753DPbS dated November 22, 2005 which regulates the Minimum Capital Requirement for Commercial Banks conducting business based on sharia principles as amended by Bank Indonesia Regulation No. 810DPbS dated March 7, 2006. 243