o.y 3.43 2.36 2.83 5.60 9.02 9.39 4.05 3.42 3.59 Total Loans 4.01 2.84 3.34 2.76 1.85 2.35

21 Loan Disbursement: Mortgages Construction Loans were the Drivers IDR Trillion Note : Figures on graph and table Include Sharia financing IDR Billion 2016 2017 IDR Bio Housing Loans 28,041 33,955 34,029 41,812 47,216 9,357 11,294 20.71 Subsidized Mortgages 4,213 6,506 7,960 12,771 17,527 3,351 3,834 14.42 Non-Subsidized Mortgages 12,479 14,286 12,629 13,404 14,315 2,894 3,403 17.56 Other Housing 2,659 2,500 2,416 2,418 1,823 391 421 7.85 Construction Loan 8,690 10,663 11,023 13,219 13,551 2,720 3,636 33.64 Non-Housing Loans 9,679 10,338 7,569 9,434 12,043 2,791 3,038 8.85 Consumer Loan 1,809 2,389 2,564 4,268 4,779 1,697 1,160 -31.62 Commercial Loan 7,870 7,949 5,005 5,166 7,264 1,094 1,878 71.62 Total Loans 37,720 44,293 41,598 51,246 59,259 12,147 14,332 17.98 FY 2015 FY 2016 Loans Type FY 2012 FY 2014 FY 2013 3 Months of

y.o.y

22 Loan Quality: Manageable NPL Note : Figures on all graphs Include Sharia financing Gross NPL Net NPL 23 31-Dec 31-Dec 31-Dec 31-Dec 31-Dec Gross 2012 2013 2014 2015 2016 2016 2017 3.93

3.80 3.43

2.79 2.36

2.96 2.83

5.00 5.24 3.96 2.48 1.52 2.43 1.67 2.90 2.61 2.51 2.57 2.65 2.85 3.09 Other Housing Loans 3.08 3.17 3.47 3.44 3.59 3.77 4.25 4.74 4.75 5.13 3.81 3.21 4.18 4.56

5.08 5.60

8.51 9.02

7.14 9.39

8.09 Consumer Loan 2.00 2.03 2.55 2.17 1.35 2.39 1.71 Commercial Loan 5.72 6.63 10.16 11.57 9.44 11.97 10.25

4.09 4.05

4.01 3.42

2.84 3.59

3.34 Total Loans

Housing Loans Subsidized Mortgage Non-Subsidized Mortgage Construction Loan Non-Housing Loans 31-Mar Loan Type IDR Bn Share IDR Bn Share IDR Bn Share IDR Bn Share IDR Bn Share IDR Bn Share IDR Bn Share Current 68,420 84.04 84,301 83.91 95,262 82.18 116,887 84.12 142,963 86.94 118,043 82.58 144,207 84.98 Special Mentioned 9,665 11.87 12,101 12.04 16,004 13.81 17,316 12.46 16,807 10.22 19,768 13.83 19,811 11.68 PL 78,085 95.91 96,402 95.95 111,266 95.99 134,203 96.58 159,770 97.16 137,811 96.41 164,018 96.66 Substandard 686 0.84 458 0.46 338 0.29 250 0.18 260 0.16 443 0.31 741 0.44 Doubtful 542 0.67 457 0.45 454 0.39 359 0.26 333 0.20 531 0.37 818 0.48 Loss 2,098 2.58 3,151 3.14 3,859 3.33 4,144 2.98 4,083 2.48 4,158 2.91 4,110 2.42 NPL 3,326 4.09 4,066 4.05 4,650 4.01 4,753 3.42 4,676 2.84 5,132 3.59 5,669 3.34 PL + NPL 81,411 100.00 100,467 100.00 115,916 100.00 138,956 100.00 164,446 100.00 142,944 100.00 169,687 100.00 NPL Gross 4.09

4.05 4.01

3.42 2.84

3.59 3.34

NPL Netto 3.12

3.04 2.76

2.11 1.85

2.34 2.35

31-Dec-13 31-Dec-15 31-Dec-16 31-Mar-16 31-Mar-17 Collectibility 31-Dec-12 31-Dec-14 Note : Figures on all tables Include Sharia financing Loan Quality Breakdown: Subsidized Mortgage NPL Continued to Improve 24 Note : Figures Include Sharia financing Special-Mentioned Loan: Getting Lower Due to Better Loan Underwriting Monitoring Special-Mentioned by Loan Type Special-Mentioned Loan 25 Note : Figures Include Sharia financing Restructured Loan Restructured Loan by Quality in 1Q17 Restructured Loan in 1Q17 IDR Billion Restructured Loan Outstanding IDR Billion 26 Liabilities: Sufficient to Support Loan Growth Total Liabilities IDR Trillion Funding Composition IDR Trillion Funding Composition 27 Deposits FY 2012 FY 2013 FY 2014 FY 2015 FY 2016 1Q2016 1Q2017 y.o.y Current Account 13.27 19.12 23.23 31.37 45.85 32.26 41.73 29.36 Savings Account 21.54 24.24 25.55 30.76 34.83 29.04 30.74 5.85 Time Deposits 45.88 52.86 57.70 65.62 79.52 69.87 84.95 21.59 Total 80.69

96.21 106.48