11
Summary PL Rp Bn 4Q 2015
3Q 2015 4Q 2014
FY 2015 FY 2014
FY Y-o-Y 4Q Y-o-Y
Q-o-Q
Interest Income 18,933
18,066 17,363
71,570 62,638
14.3 9.0
4.8 Interest Expense
6,022 6,814
6,536 26,207
23,506 11.5
7.9 11.6
Net Interest Income 12,911
11,252 10,827
45,363 39,132
15.9 19.3
14.7
Net Premium Income 696
886 697
3,137 2,681
17.0 0.1
21.4 Net Interest Income Premium Income
13,607 12,138
11,524 48,500
41,813 16.0
18.1 12.1
Other Non Interest Income Other Fees and Commissions
2,443 2,546
2,534 10,015
9,132 9.7
3.6 4.0
Foreign Exchange Gains - Net 844
533 399
2,238 1,588
41.0 111.2
58.1 Gain fr. sale Incr. in Val Sale of Bonds
178 134
111 257
381 32.5
60.3 NA
Others 2,015
2,182 1,132
6,126 3,968
54.4 78.0
7.7
Total Non Interest Income 5,479
5,127 4,176
18,636 15,069
23.7 31.2
6.9
Total Operating Income 19,086
17,265 15,700
67,136 56,882
18.0 21.6
10.5 Provisions, Net
3,552 4,495
1,779 12,043
5,529 117.8
99.7 21.0
Personnel Expenses 3,444
2,903 2,807
12,377 10,848
14.1 22.7
18.6 GA Expenses
3,730 3,322
3,488 12,800
11,448 11.8
6.9 12.3
Loss from decr. in value of Sec Gov Bonds -
- -
- -
- -
- Other Expenses
906 744
620 3,578
3,078 16.2
46.1 21.6
Total Expense 8,080
6,970 6,914
28,755 25,374
13.3 16.9
15.9 Profit from Operations
7,455 5,800
7,007 26,339
25,978 1.4
6.4 28.5
Non Operating Income 23
5 10
30 30
1.8 145.2
NA Net Income Before Tax
7,478 5,805
7,016 26,369
26,008 1.4
6.6 28.8
Net Income After Tax 5,752
4,658 5,418
20,335 19,872
2.3 6.2
23.5
8 2
.7 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 7
.0 1
7 5
.1 1
8 1
.4 1
8 5
.8 2
.1 5
.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 4
2 .9
1 4
5 .2
1 4
9 .1
1 4
9 .5
1 6
.7
17.4 22.8 24.5
25.9 27.7
30.3 30.9
33.2 35.1
38.5 38.5
42.5 44.1
46.5 46.3
49.0 52.0
56.1 55.3
57.9 57.9
60.5
5.4 7.3 7.7
8.5 9.5
11.8 13.1
15.1 16.8
19.020.7 23.9
24.9 27.028.231.0
32.7 34.537.2
39.740.0 42.5
2 3
.6 3
.7 3
2 .4
3 4
.3 3
6 .3
3 9
.0 4
.7 4
3 .3
4 4
.5 4
7 .7
4 9
.3 5
2 .4
5 5
.2 5
6 .6
5 7
.4 6
.3 6
2 .4
6 4
.7 6
5 .7
6 7
.7 6
9 .5
7 2
.3
4 Q
9 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
3 Q
1 5
4 Q
1 5
Corporate Commercial
Small Micro
Consumer
Quarterly Loan Segment Details
Bank Only
Y-o-Y
11.7 23.0
7.8
12.4
13.1 12.8
Total
13.5 7.9
11.3
30.0
37.3
Break down
As of December 2015; Non-consolidated numbers
12
1 9
8 .5
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 5
6 .6
5 9
5 .5
61.4 67.6
70.2 75.9
78.7 74.1
80.7 83.4
84.4 80.1
83.5 85.0
87.3 84.5
88.0 85.3
82.9 84.4
84.1 85.3
87.7
4 Q
9 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
3 Q
1 5
4 Q
1 5
Loans Rp Tn LDR
5.5 6.2 2.3
9.9 7.5
5.7 4.1
7.1 4.2
6.5 0.7
9.5 5.1
4.8 -0.4
3.3 4.2
4.6 0.5
3.7 1.4
6.2 13.8
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 20.1
13.3 12.4
12.2 13.8
10.7 12.4
4 Q
9 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
3 Q
1 5
4 Q
1 5
QoQ Growth YoY Growth
Quarterly Loan Data
Consolidated
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
7 8
.5 2
8 7
.7 9
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 61.0
73.1
50 55
60 65
70 75
80 85
90 95
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 S
e p
1 5
D e
c 1 5
20 30
40 50
60 70
80 90
Loan Fx LDR FX
USD Bn
Rp Tn Breakdown of FX lending Bank-Only
Q Total USD 6.37 Bn
0.04 0.05
0.07 0.21
0.38 0.58
0.62 0.71
0.73 1.19
1.79
Utilities Soc Serv
Constr Bus Serv
Trans Mining
Agri Oth
Trading Oil Gas
Mfg YoY
18 -11
34 6
62 -11
-3 -36
-27 832
-78
FX Loans LDR Bank-Only
13
14
502.78
105.75 24.34
31.94 9.98
4.67 1.57
536.03
3Q15 Disburs.
Install. Payment Pay-off FX
Impact Write-
Offs 4Q 15
Loan Movement – 4Q 2015 Bank-Only
Rp Tn Loan Disbursement by Segment
– 4Q 2015 Bank-Only Rp Tn
51.96
30.22 9.59
7.82 6.15
105.75
Corporate Commercial Small
Micro Consumer
Total
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
7 7
.3
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
1 7
.4
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
15
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
18.3
• CAR inclusive of Credit and Market Risk started in December 2004 • CAR inclusive of Credit, Market and Operational Risk started in January 2010
1.1Tn from GIAA Recovery
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 4,658
645 799
819 775
-623 1,234
1,166 1,390
2,536 2,833
3,073 4,385
5,401 5,418
5,753
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
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
18.3
CAR
1,099
5 .3
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
5 .7
6 .7
4 Q
9 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
3 Q
1 5
4 Q
1 5
NIM
9.4 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
9.56 9.08
9.19 9.21
9.80
4.3 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
3.3 3.5
3.9 3.82
3.88 3.58
3.66 3.26
Yield on Assets Cost of Funds
16
6.4 7.2
5.1 4.9
4.7 5.3
4.8 5.4
5.0 4.9
4.8 4.5
4.5 5.1
4.4 4.5
4.5 6.6
4.2 4.3
4.4 6.4
1.5 0.7
0.5 0.3
0.5 0.6 0.6
0.6 0.7
0.7 0.7
0.6 0.6
0.7 0.8
0.7 0.7
0.9 1.1
0.8 0.7
0.7
5
4 Q
9 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
3 Q
1 5
4 Q
1 5
13.2 12.2
13.1 12.7
12.5 11.6 12.1
11.9 12.5
11.2 10.8
11.1 11.8
11.8 12.0
12.4 12.1
12.2 12.2
12.1
6.7 6.5
6.5 5.9
4.9 4.1 3.9
3.3 4.0
3.4 3.9
4.7 5.3
5.4 5.9 5.7
6.0 6.4 6.4
6.7 6.9
4.7 4.2
4.3 3.9
3.7 3.0
3.1 3.3
3.9 4.1 4.4 4.5
4.3 3.8
5 10
15 20
Avg Loan Yield Avg Bond Yield
Avg COF
Starting on 4Q2014, we backout the LPS premium from the interest expense If we backout the interest income from RGM, our NIM would be 6.5, YoA would be 9.5, Average FX Loan Yield would be 4.2
17
Non-Loan Related Fees Commissions 4Q
3Q 4Q
FY FY
FY Y-o-Y 4Q Y-o-Y Q-o-Q
2015 2015
2014 2015
2014
Administration Fees 840
805 707
3,087 2,704
14.2 18.8
4.4 Opening LC, BG Cap Market custodian trustee
308 272
258 1,111
931 19.3
19.7 13.5
Subsidiaries 9
292 339
1,031 1,481
30.4 102.6 103.0 Transfer, Retail Transaction
599 480
543 1,992
1,626 22.5
10.3 24.9
Credit Cards 382
386 410
1,547 1,427
8.4 6.9
1.0 Mutual Fund, ORI Bancassurance
109 85
94 388
353 10.2
16.8 28.4
Syndications 80
34 52
214 137
56.1 54.5
135.0 Payroll Package
20 21
18 77
74 3.8
9.6 5.5
Others 113
171 113
567 398
42.4 0.0
33.7
Total 2,443
2,546 2,534 10,015
9,132 9.7
3.6 4.0
