27
Deposits FY 2012 FY 2013 FY 2014 FY 2015 FY 2016
1H2016 1H2017
y.o.y
Current Account 13.27
19.12 23.23
31.37 45.85
33.12 41.73
25.97 Savings Account
21.54 24.24
25.55 30.76
34.83 28.81
33.04 14.69
Time Deposits 45.88
52.86 57.70
65.62 79.52
72.62 84.36
16.16
Total 80.69
96.21 106.48
127.75 160.19
134.55 159.12
18.26
Deposits: Solid Growth Liquidity
Total Deposits Mix
IDR Trillion
CASA Composition
28
Total Equity
IDR Trillion
CAR - BI
Equity 12
29
2012 2013
2014 2015
2016 Jun-16
Jun-17
Tier - 1 Capital 9,038
9,879 10,736
12,172 16,444
15,432 16,216
Tier - 2 Capital 582
722 797
1,721 3,776
4,821 3,550
Capital on BS 10,279
11,557 12,253
13,860 19,131
17,547 19,851
RWA - Credit Risk 46,582
57,749 66,251
70,474 86,189
78,510 92,027
RWA - Market Risk 182
284 226
223 344
359 584
RWA - Operational Risk 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
91,768 107,545
CAR Tier – 1RWA Credit + Market + Ops Risk
16.95 14.91
14.07 14.87
16.54 16.82
15.08
CAR BSRWA Credit + Market Risk 21.98
19.91 18.43
19.60 22.11
22.25 21.44
CAR BSRWA Credit + Market + Ops Risk 19.28
17.44 16.05
16.93 19.24
19.12 18.46
CAR BI Tier 1+2RWA Credit + Market Risk 20.17
17.84 16.81
19.65 23.37
25.68 21.34
CAR BI Tier 1+2RWA Credit + Ops Risk
17.75 15.69
14.68 17.01
20.41 22.16
18.48 CAR BI Tier 1+2RWA Credit + Market +
Ops Risk
17.69 15.62
14.64 16.97
20.34 22.07
18.38
CAR Tier – 2 2.10
3.80 5.25
3.30 Capital Conservation Buffer
0.63 0.63
1.25 Countercyclical Buffer
0.00 0.00
0.00 Capital Surcharge D-SIB
0.25 0.25
0.50
Equity 22
30
FY 2011 FY 2012
FY 2013 FY 2014
FY 2015 FY 2016
1H 2016 1H 2017
y.o.y
Interest Income 7,791
9,106 11,197
13,374 15,567
17,852 8,482
9,354 10.28
Interest Expense 4,000
4,379 5,558
7,893 8,700
9,600 4,786
5,136 7.32
Net Interest Income 3,791
4,726 5,639
5,482 6,867
8,252 3,696
4,218 14.13
Other Operating Income 571
577 798
923 1,132
1,285 584
791 35.33
Other Operating Expense 2,836
3,438 4,301
4,828 5,465
6,184 2,895
3,368 16.32
Profit From Operating 1,526
1,865 2,136
1,577 2,534
3,352 1,385
1,641 18.48
Non Operating Income Expense 3
8 5
2 8
22 3
4 49.02
Profit Before Tax 1,522
1,857 2,141
1,579 2,542
3,330 1,382
1,637 18.42
Net Profit 1,119
1,364 1,562
1,146 1,851
2,619 1,042
1,271 21.95
Income Statement
IDR Billion
31
FY2012 FY2013 FY2014 FY2015 FY2016 1H2016 1H2017
Y.o.Y
Placement with Bank Indonesia 46
74 81
107 111
63 46
-27.07 Placement with other bank
52 63
40 37
56 23
11 -54.90
Securities 534
726 982
858 971
450 482
7.13 Loan
7,901 9,605
11,353 13,523
15,458 7,367
8,128 10.34
Income from Syariah 573
729 919
1,042 1,256
579 687
18.78
Total 9,106
11,197 13,374
15,567 17,852
8,482 9,354
10.28
Interest Income Composition
IDR Billion
32
FY2012 FY2013 FY2014 FY2015 FY2016 1H2016 1H2017
Y.o.Y
Bank Indonesia 8
5 2
1.06 -
- -
- Deposits from other Banks
20 39
84 328
285 200
203 1.27
Deposits from Non Banks 3,118
4,082 6,290
6,750 7,363
3,625 3,915
7.99 Securities Issued
674 826
787 883
1,088 518
583 12.55
Fund Borrowings 400
450 529
516 718
360 387
7.45 Others
159 157
201 222
147 82
48 -41.45
Total 4,379
5,558 7,893
8,700 9,600
4,786 5,136
7.32
Interest Expense Composition
IDR Billion
33
FY2012 FY2013 FY2014 FY2015 FY2016 1H2016 1H2017
Y.o.Y
Marked to market 9
17 7
- 10
13 62
377.08 Gain
17 32
112 170
273 124
184 48.11
Reversal on Provisions -
8 5
7.51 0.10
0.02 3.14
12997.96 Commissions, Services Admin Fee
11 31
496 596
656 298
387 29.90
Others 541
709 303
358 347
149 154
3.55
Total 577
798 923
1,132 1,285
584 791
35.33
Other Operating Income Composition
IDR Billion
Reclassified
34
FY2012 FY2013 FY2014 FY2015 FY2016 1H2016 1H2017
Y.o.Y
Provisions 214
441 777
901 708
307 372
21.21 Salaries Employee Benefit
978 1,161
1,260 1,459
1,619 890
1,062 19.35
Electricity, Telp, Office Supp. 384
365 494
591 660
316 327
3.51 Others
355 337
227 422
452 219
279 27.26
Rent, Service Maintenance 376
482 542
563 703
327 352
7.49 Depreciation
267 279
226 196
219 96
100 4.51
Promotion 275
411 509
417 402
176 208
18.04 Collector Fees Consultant
313 386
451 544
684 346
407 17.50
Insurance Premium 145
175 217
245 303
146 175
19.48 Training
117 110
107 106
136 63
76 20.66
Research Development 4
4 6
7 14
6.3 4.6
-27.47 Other Taxes
11 6
8 8
9 2
6 147.04
Gain 1
3 4
2 -
- -
Marked to Market -
144 0.00
0.19 0.00
0.0004 0.06
14733.64 Allowance related to Operational Risk
- -
- -
273.50 -
- -
Total 3,438
4,301 4,828
5,465 6,184
2,895 3,368
16.32
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
