11
Summary PL Rp Bn 2Q17
1H17 2Q17
2Q16 Y-o-Y
1Q17 Q-o-Q
1H17 1H16
Y-o-Y
Interest Income 19,682
18,060 9.0
19,443 1.2
39,125 36,368
7.6 Interest Expense
6,811 6,148
10.8 6,627
2.8 13,438
12,124 10.8
Net Interest Income 12,871
11,912 8.0
12,816 0.4
25,687 24,244
6.0
Net Premium Income 677
839 -19.3
614 10.4
1,291 1,544
-16.4
Net Interest Income Premium Income 13,548
12,751 6.2
13,430 0.9
26,977 25,788
4.6
Other Non Interest Income Other Fees and Commissions
2,910 2,952
-1.4 2,996
-2.8 5,906
5,482 7.7
Foreign Exchange Gains - Net 688
600 14.8
653 5.4
1,341 1,016
32.0 Gain fr. sale Incr. in Val Sale of Bonds
456 206
121.6 262
74.2 718
409 75.6
Others 1,583
1,231 28.6
1,345 17.6
2,928 2,283
28.3
Total Non Interest Income 5,637
4,988 13.0
5,256 7.3
10,894 9,191
18.5
Total Operating Income 19,185
17,739 8.2
18,686 2.7
37,871 34,979
8.3 Provisions, Net
3,929 5,292
-25.8 5,401
-27.3 9,330
9,888 -5.6
Personnel Expenses 3,413
3,488 -2.2
3,498 -2.4
6,910 6,894
0.2 GA Expenses
3,825 3,640
5.1 3,401
12.5 7,226
6,945 4.0
Other Expenses 958
929 3.0
965 -0.8
1,923 1,791
7.3
Total Expense 8,195
8,058 1.7
7,864 4.2
16,059 15,630
2.7 Profit from Operations
7,061 4,390
60.9 5,421
30.3 12,482
9,461 31.9
Non Operating Income 24
3 667.3
24 -1.0
47 8
498.4 Net Income Before Tax
7,038 4,387
60.4 5,397
30.4 12,435
9,453 31.5
Net Income After Tax 5,384
3,263 65.0
4,079 36.8
9,463 7,080
33.7
12
118 .6
125 .2
129 .3
131 .7
129 .9
151 .9
153 .5
169 .7
166 .7
166 .3
176 .8
177 .0
175 .1
181 .4
185 .8
200 .1
186 .4
206 .2
212 .4
231 .3
235 .4
243 .7
82 .9
90 .1
93 .6
103 .0
102 .3
104 .4
118 .2
117 .1
116 .5
123 .9
127 .9
142 .9
145 .2
149 .1
149 .5
160 .7
153 .7
158 .6
162 .6
165 .2
152 .7
157 .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
56 .1
60 .0
59 .8
60 .8
57 .5
59 .0
13.1 15.1
16.8 19.0 20.7
23.9 24.9
27.0 28.2 31.0
32 .7
34 .5
37 .2
39 .7
40 .0
42 .5
44 .2
46 .0
46 .7
50 .6
52 .2
54 .3
40 .7
43 .3
44 .5
47 .7
49 .3
52 .4
55 .2
56 .6
57 .4
60 .3
62 .4
64 .7
65 .7
67 .7
69 .5
72 .3
73 .4
76 .1
78 .9
84 .8
87 .2
91 .3
1 Q
12 2
Q 12
3 Q
12 4
Q 12
1 Q
13 2
Q 13
3 Q
13 4
Q 13
1 Q
14 2
Q 14
3 Q
14 4
Q 14
1 Q
15 2
Q 15
3 Q
15 4
Q 15
1 Q
16 2
Q 16
3 Q
16 4
Q 16
1 Q
17 2
Q 17
Corporate Commercial
Small Micro
Consumer
Quarterly Loan Segment Details
Bank Only
Y-o-Y
20.0 17.9
-1.7
-0.8
18.2 10.7
Total
15.1 9.0
9.7
26.0
40.2
Break down
As of June 2017; Non-consolidated numbers 327
.2 350
.4 365
.2 388
.8 391
.6 428
.7 450
.8 472
.4 470
.4 485
.8 506
.5 530
.0 532
.8 552
.8 560
.6 595
.5 574
.7 610
.9 625
.1 662
.0 656
.2 682
.0
80.7 83.4 84.4
80.1 83.5 85.0 87.3
84.5 88.0
87.0 85.3
82.9 84.4
84.1 87.7
87.4 88.1
90.2 86.5
89.5 89.4
1 Q
12 2
Q 12
3 Q
12 4
Q 12
1 Q
13 2
Q 13
3 Q
13 4
Q 13
1 Q
14 2
Q 14
3 Q
14 4
Q 14
1 Q
15 2
Q 15
3 Q
15 4
Q 15
1 Q
16 2
Q 16
3 Q
16 4
Q 16
1 Q
17 2
Q 17
Loans Rp Tn LDR
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
0.0 6.3
2.3 5.9
-0.9 3.9
30.0 26.6
22.8 23.7
19.7 22.3
23.4 21.5
20.1 13.3 12.4
12.2 13.3
13.8 10.7
12.4 7.9
10.5 11.5
11.2 14.2
11.6
1 Q
12 2
Q 12
3 Q
12 4
Q 12
1 Q
13 2
Q 13
3 Q
13 4
Q 13
1 Q
14 2
Q 14
3 Q
14 4
Q 14
1 Q
15 2
Q 15
3 Q
15 4
Q 15
1 Q
16 2
Q 16
3 Q
16 4
Q 16
1 Q
17 2
Q 17
QoQ Growth YoY Growth
Quarterly Loan Data
Consolidated
13
585.05
208.53 143.42
34.64 7.54
0.18 2.55
605.62
1Q17 Disburs. Install. Payment Pay-off
FX Impact
Write- Offs
2Q 17
Loan Movement – 2Q 2017 Bank-Only
Rp Tn Loan Disbursement by Segment
– 2Q 2017 Bank-Only Rp Tn
163.24
19.43 8.89
9.15 7.83
208.53
Corporate Commercial Small
Micro Consumer
Total
14
115 .9
112 .2
134 .0
172 .9
195 .8
242 .4
352 .5
400 .2
491 .3
514 .9
577 .3
643 .4
662 .7
27.4 28.4
28.3 27.2
30.5 35.7
53.3 62.0
73.9 85.7
107.4 137.4 142.8
2005 2006
2007 2008
2009 2010
2011 2012
2013 2014
2015 2016
2 Q
17 RWA Rp Tn
Total Capital Rp Tn
Rp Bn
Bank Only - Capital RWA Movement Profit After Tax ROE
• 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 23.2 24.6
20.8 15.715.4
13.4 15.3
15.5 14.9
16.6 18.6
21.4 21.1
21.5
CAR
519 1,168 1,549
1,744 519 2,003
1,027 1,390
4,303 4,925 2,681
3,817 4,079 1,099
97 305
1,113 1,221 1,526
2,031 2,543 3,744
3,991 4,660
4,786 3,263
5,384
967 1,017
1,528 1,408
610 2,352
1,040 1,345
4,509 4,869 4,658
4,933
-623 1,234
1,166 1,390
2,536 2,833
3,073 4,385
5,401 5,418
5,753
1,794
2005 2006
2007 2008
2009 2010
2011 2012
2013 2014
2015 2016
2017 Q4 PAT
Q3 PAT Q2 PAT
Q1 PAT
2.5 10.0
15.8 18.1
22.1 24.2
22.0 22.6
22.2 21.0
18.3
9.7 12.2
15
5 .33
5 .84
5 .44
5 .19
5 .54
5 .84
5 .67
5 .50
5 .34
5 .71
6 .08
5 .94
5 .90
5 .84
5 .92
5 .41
5 .79
5 .74
6 .74
6 .28
6 .00
7 .06
6 .03
5 .69
5 .58
4 Q
09 4
Q 10
4 Q
11 1
Q 12
2 Q
12 3
Q 12
4 Q
12 1
Q 13
2 Q
13 3
Q 13
4 Q
13 1
Q 14
2 Q
14 3
Q 14
4 Q
14 1
Q 15
2 Q
15 3
Q 15
4 Q
15 1
Q 16
2 Q
16 3
Q 16
4 Q
16 1
Q 17
2 Q
17
NIM
9.4 9.6
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
9.2 9.8
9.3 9.1 10.0
9.0 8.6 8.6
4.3 3.8
3.4 3.2
2.8 2.7 2.7 2.8 2.6 2.8 3.1
3.3 3.5
3.9 3.8 3.9 3.6 3.7 3.3
3.2 3.3
3.1 3.0 2.9 2.9
Yield on Assets Cost of Funds
6.4 7.2
5.3 4.9 5.1
4.4 4.5
4.5 6.6
4.2 4.3 4.4
6.4 4.6
4.6 13.3
3.8 4.3
4.2 1.5
0.7 0.6
0.7 0.7 0.8 0.7 0.7 0.9 1.1 0.8
0.7 0.7 1.0
1.0 1.2 1.3
1.3 1.1
0.0 2.0
4.0 6.0
8.0 10.0
12.0 14.0
4 Q
09 4
Q 10
4 Q
11 4
Q 12
4 Q
13 1
Q 14
2 Q
14 3
Q 14
4 Q
14 1
Q 15
2 Q
15 3
Q 15
4 Q
15 1
Q 16
2 Q
16 3
Q 16
4 Q
16 1
Q 17
2 Q
17
12.6 12.5 12.5 11.3
11.8 11.8 12.0
12.4 12.2 12.1
12.2 12.2
12.1 11.9 11.3
11.3 11.3 10.8
10.6 6.7 6.5
4.1 4.0
5.3 5.4
5.9 5.7 6.0
6.4 6.4
6.7 6.9 7.0
6.6 6.7
6.8 6.6
6.9
4.7 4.2 3.9
3.0 3.7 3.9
4.1 4.6
4.4 4.5 4.3
4.3 3.8
3.7 3.6
3.5 3.4 3.3 3.2
0.0 2.0
4.0 6.0
8.0 10.0
12.0
Avg Loan Yield Avg Bond Yield
Avg Deposit Cost
Starting on 4Q2014, we back out the LPS premium from the interest expense 4Q 15 3Q16, If we adjust the interest income from RGM, NIM would be 6.5 6.0 , YoA would be 9.5 8.9, Average FX Loan Yield 4.2 4.2
16
Non-Loan Related Fees Commissions 2Q 2017
1Q 2017 2Q 2016
Y-o-Y Q-o-Q
Δ Δ
Administration Fees 975
857 968
0.7 13.8
Opening LC, BG Cap Market custodian trustee 309
322 317
2.5 3.9
Subsidiaries 364
410 350
4.0 11.3
Transfer, Retail Transaction 617
612 584
5.7 0.8
Credit Cards 519
470 513
1.3 10.4
Mutual Fund, ORI Bancassurance 104
107 100
3.8 2.8
