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
127.75 160.19
131.16 157.42
20.02
Deposits: Solid Growth Liquidity
Total Deposits Mix
IDR Trillion
CASA Composition
28
Total Equity
IDR Trillion
CAR - BI
Equity 12
29
Equity 22
2012 2013
2014 2015
2016 Mar-16
Mar-17
Tier - 1 Capital 9,038
9,879 10,736
12,172 16,444
12,465 16,111
Tier - 2 Capital 582
722 797
1,721 3,776
1,751 3,660
Capital on BS 10,279
11,557 12,253
13,860 19,131
14,394 19,196
RWA - Credit Ris k 46,582
57,749 66,251
70,474 86,189
72,840 88,898
RWA - Market Ris k 182
284 226
223 344
409 792
RWA - Operational Ris k 6,557
8,229 9,856
11,185 12,899
12,899 14,934
RWA - Total 53,321
66,262 76,333
81,882 99,432
86,148 104,624
CAR Tier – 1R WA Credit + Market + Ops R is k
16.95 14.91
14.07 14.87
16.54 14.47
15.40
CAR BS RWA Credit + Market Ris k 21.98
19.91 18.43
19.60 22.11
19.65 21.40
CAR BS RWA Credit + Market + Ops Ris k 19.28
17.44 16.05
16.93 19.24
16.71 18.35
CAR BI Tier 1+2RWA Credit + Market Ris k 20.17
17.84 16.81
19.65 23.37
19.41 22.04
CAR BI Tier 1+2RWA Credit + Ops Ris k
17.75 15.69
14.68 17.01
20.41 16.58
19.04 CAR B I Tier 1+2R WA Credit + Market +
Ops R is k
17.69 15.62
14.64 16.97
20.34 16.50
18.90
CAR Tier – 2 2.10
3.80 2.03
3.50 Capital Cons ervation Buffer
0.63 0.63
1.25 Countercyclical Buffer
0.00 0.00
0.00 Capital S urcharge D-S IB
0.25 0.25
0.50
30
FY 2012 FY 2013
FY 2014 FY 2015
FY 2016 1Q 2016
1Q 2017 y.o.y
Interest Income 9,106
11,197 13,374
15,567 17,852
4,193 4,559
8.74 Interest Expense
4,379 5,558
7,893 8,700
9,600 2,404
2,523 4.94
Net Interest Income 4,726
5,639 5,482
6,867 8,252
1,789 2,037
13.84 Other Operating Income
577 798
923 1,132
1,285 281
384 36.79
Other Operating Expense 3,438
4,301 4,828
5,465 6,184
1,380 1,636
18.54 Profit From Operating
1,865 2,136
1,577 2,534
3,352 689
784 13.77
Non Operating Income Expense 8
5 2
8 22
3 0.12
-104.83 Profit Before Tax
1,857 2,141
1,579 2,542
3,330 687
784 14.20
Net Profit 1,364
1,562 1,146
1,851 2,619
491 594
21.03
Income Statement
IDR Billion
31
FY2012 FY2013 FY2014 FY2015 FY2016 1Q2016 1Q2017
Y.o.Y
Placement with Bank Indonesia 46
74 81
107 111
35 24
-30.71 Placement with other bank
52 63
40 37
56 14
6 -60.84
Securities 534
726 982
858 971
239 248
3.86 Loan
7,901 9,605
11,353 13,523
15,458 3,618
3,952 9.23
Income from Syariah 573
729 919
1,042 1,256
287 330
14.87
Total 9,106
11,197 13,374
15,567 17,852
4,193 4,559
8.74
Interest Income Composition
IDR Billion
32
FY2012 FY2013 FY2014 FY2015 FY2016 1Q2016 1Q2017
Y.o.Y
Bank Indonesia 8
5 2
1.06 -
- -
- Deposits from other Banks
20 39
84 328
285 91
86 -6.48
Deposits from Non Banks 3,118
4,082 6,290
6,750 7,363
1,837 1,942
5.69 Securities Issued
674 826
787 883
1,088 259
292 12.79
Fund Borrowings 400
450 529
516 718
175 181
3.27 Others
159 157
201 222
147 41
23 -45.04
Total 4,379
5,558 7,893
8,700 9,600
2,404 2,523
4.94
Interest Expense Composition
IDR Billion
33
FY2012 FY2013 FY2014 FY2015 FY2016 1Q2016 1Q2017
Y.o.Y
Marked to market 9
17 7
- 10
20 59
192.24 Gain
17 32
112 170
273 48
70 47.20
Reversal on Provisions -
8 5
7.51 0.10
- 3.71
- Commissions, Services Admin Fee
11 31
496 596
656 139
177 27.38
Others 541
709 303
358 347
73 74
0.17
Total 577
798 923
1,132 1,285
281 384
36.79
Other Operating Income Composition
IDR Billion
Reclassified
34
FY2012 FY2013 FY2014 FY2015 FY2016 1Q2016 1Q2017
Y.o.Y
Provisions 214
441 777
901 708
137 138
0.99 Salaries Employee Benefit
978 1,161
1,260 1,459
1,619 445
541 21.61
Electricity, Telp, Office Supp. 384
365 494
591 660
143 168
17.44 Others
355 337
227 422
452 111
152 36.91
Rent, Service Maintenance 376
482 542
563 703
151 164
8.06 Depreciation
267 279
226 196
219 45.5
46.1 1.35
Promotion 275
411 509
417 402
89 103
15.74 Collector Fees Consultant
313 386
451 544
684 154
199 28.99
Insurance Premium 145
175 217
245 303
80 95
18.81 Training
117 110
107 106
136 20
23 14.28
Research Development 4
4 6
7 14
2.7 2.6
-0.57 Other Taxes
11 6
8 8
9 1
4 223.10
Gain 1
3 4
2 -
- -
Marked to Market -
144 0.00
0.19 0.00
- 0.03
- Allowance related to Operational Risk
- -
- -
273.50 -
- -
Total 3,438
4,301 4,828
5,465 6,184
1,380 1,636
18.54
Other Operating Expense Composition
IDR Billion
35
Key Financial Ratios 14
Net Income
IDR Billion
Net Interest Margin Cost Income Ratio
Note : Reclassified
36
Key Financial Ratios 24
ROA
1
– before tax
1
Calculated based on income before income tax include tax benefit and extraordinary item average total assets based on Bank Indonesia regulation
2
Calculated based on net profitaverage total assets
ROA
2
– after tax
37
Key Financial Ratios 34
ROE
3
– tier 1 capital
ROE
4
– balance sheet
3
Calculated based on net profitaverage Tier 1 capital based on Bank Indonesia regulation
4
Calculated based on net profittotal stakeholder’s equity
15.28 13.52
