28.1 18.9 -1.8 10.1 2016Q3 Analysts Meeting Final

13 Summary PL Rp Bn 3Q 2016 2Q 2016 3Q 2015 9M 2016 9M 2015 9M Y-o-Y 3Q Y-o-Y Q-o-Q Interest Income 20,518 18,060 18,066 56,885 52,637 8.1 13.6 13.6 Interest Expense 6,104 6,148 6,814 18,228 20,185 -9.7 -10.4 -0.7 Net Interest Income 14,413 11,912 11,252 38,657 32,452

19.1 28.1

21.0 Net Premium Income 751 839 886 2,296 2,441 -6.0 -15.2 -10.4 Net Interest Income Premium Income 15,164 12,751 12,138 40,953 34,893 17.4

24.9 18.9

Other Non Interest Income Other Fees and Commissions 2,755 2,952 2,546 8,238 7,572 8.8 8.2 -6.7 Foreign Exchange Gains - Net 618 600 533 1,635 1,394 17.2 15.9 3.1 Gain fr. sale Incr. in Val Sale of Bonds 263 206 134 672 80 NA NA 27.7 Others 1,399 1,231 2,182 3,682 4,111 -10.4 -35.9 13.6 Total Non Interest Income 5,036 4,988 5,127 14,226 13,157

8.1 -1.8

0.9 Total Operating Income 20,200 17,739 17,265 55,179 48,050 14.8 17.0 13.9 Provisions, Net 6,023 5,292 4,495 15,911 8,491 87.4 34.0 13.8 Personnel Expenses 3,290 3,488 2,903 10,184 8,933 14.0 13.3 -5.7 GA Expenses 3,497 3,640 3,322 10,441 9,070 15.1 5.3 -3.9 Loss from decr. in value of Sec Gov Bonds - - - - - - - - Other Expenses 889 929 744 2,680 2,673 0.3 19.4 -4.3 Total Expense 7,676 8,058 6,970 23,306 20,675

12.7 10.1

-4.7 Profit from Operations 6,501 4,390 5,800 15,962 18,884 -15.5 12.1 48.1 Non Operating Income 15 3 5 23 7 NA NA - Net Income Before Tax 6,486 4,387 5,805 15,939 18,891 -15.6 11.7 47.9 Net Income After Tax 4,933 3,263 4,658 12,013 14,583 -17.6 5.9 51.2 92 .5 103 .1 110 .4 111 .7 118 .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 64 .5 70 .7 75 .3 81 .1 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 24.5 25.9 27.7 30.3 30.9 33.2 35.1 38.5 38.5 42.5 44.1 46.5 46.349.0 52.0 56.155.3 57.957.9 60.5 56.1 60.0 59.8 7.7 8.5 9.5 11.8 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 32 .4 34 .3 36 .3 39 .0 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 1 Q 11 2 Q 11 3 Q 11 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 Corporate Commercial Small Micro Consumer Quarterly Loan Segment Details Bank Only Y-o-Y  13.5 16.7 3.2 8.8 14.3 11.4 Total 14.1 8.3 10.7 29.0 37.9 Break down As of September2016; Non-consolidated numbers 14 251 .8 276 .7 297 .5 314 .4 327 .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 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 87.0 85.3 82.9 84.4 84.1 85.3 87.7 87.4 88.1 90.2 1 Q 11 2 Q 11 3 Q 11 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 Loans Rp Tn LDR 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 4.24.6 0.5 3.7 1.4 6.2 0.0 6.3 2.3 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 13.3 13.8 10.7 12.4 7.9 10.5 11.5 1 Q 11 2 Q 11 3 Q 11 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 QoQ Growth YoY Growth Quarterly Loan Data Consolidated 15 546.95 89.16 36.28 28.42 8.20 1.07 1.83 560.32 2Q16 Disburs. Install. Payment Pay-off FX Impact Write- Offs 3Q 16 Loan Movement – 3Q 2016 Bank-Only Rp Tn Loan Disbursement by Segment – 3Q 2016 Bank-Only Rp Tn 46.39 22.61 6.78 6.96 6.42 89.16 Corporate Commercial Small Micro Consumer Total 16 115 .9 112 .2 134 .0 172 .9 195 .8 242 .4 352 .5 400 .2 491 .3 514 .9 577 .3 621 .6 27.4 28.4 28.3 27.2 30.5 35.7 53.3 62.0 73.9 85.7 107.4 144.1 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 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 15.7 15.4 13.4 15.3 15.5 14.9 16.6 18.6 22.6 CAR 519 1,168 1,549 1,744 519 2,003 1,027 1,390 4,303 4,925 2,681 3,817 1,099 97 305 1,113 1,221 1,526 2,031 2,543 3,744 3,991 4,660 4,786 3,263 967 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 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 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 11.5 38 .60 41 .87 44 .44 40 .35 41 .88 45 .47 45 .73 49 .62 48 .17 53 .29 59 .79 67 .75 62 .22 62 .95 72 .24 75 .38 73 .52 76 .90 78 .52 87 .79 83 .85 86 .55 77 .72 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 80.3 79.2 72.6 50 55 60 65 70 75 80 85 90 95 M ar 11 Jun e 11 S e p 11 D e c 11 M ar 12 Jun 12 S e p 12 D e c 12 M ar 13 Jun 13 Se p 13 D e c 13 M ar 14 Jun e 14 S e p 14 D e c 14 M ar 15 Jun 15 S e p 15 D e c 15 M ar 16 Jun 16 S e p 16 20 30 40 50 60 70 80 90 Loan Fx LDR FX USD Bn Rp Tn Breakdown of FX lending Bank-Only 3 Q 16 Total USD 5.96 Bn 0.02 0.08 0.18 0.20 0.32 0.58 0.59 0.60 0.73 0.84 1.81 Utilities Constr Bus Serv Soc Serv Trans Agri Oth Mining Trading Oil Gas Mfg  YoY 20.0 -0.3 69.1 4.1 -15.9 102.9 -5.5 1,501.7 -66.5 8.5 -60.6 FX Loans LDR Bank-Only 17 18 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 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 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 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 Yield on Assets Cost of Funds 6.4 7.2 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 4.6 4.6 13.3 1.5 0.7 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 1.0 1.0 1.2 5 10 15 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 12.6 12.5 12.5 11.4 11.6 11.8 11.3 11.2 10.8 11.1 11.8 11.8 12.0 12.4 12.2 12.1 12.2 12.2 12.1 11.9 11.3 11.3 6.7 6.5 4.1 3.9 3.3 4.0 4.0 3.4 3.9 5.3 5.4 5.9 5.7 6.0 6.4 6.4 6.7 6.9 7.0 6.6 6.7 4.7 4.2 3.7 3.0 3.0 3.0 3.7 4.1 4.4 4.5 4.3 3.8 3.6 3.5 5 10 15 20 Avg Loan Yield Avg Bond Yield Avg COF 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 19 Non-Loan Related Fees Commissions 3Q 2016 2Q 2016 3Q 2015 Y-o-Y Q-o-Q Δ Δ Administration Fees 878 968 811 8.3 9.3 Opening LC, BG Cap. Market Custodian Trustee 297 317 347 14.2 6.3 Subsidiaries 388 350 292 32.6 10.7 Transfer, Retail Transaction 565 584 480 17.8 3.2 Credit Cards 497 513 518 4.1 3.1 Mutual Fund, ORI Bancassurance 100 100 88 14.4 0.3 Syndications 77 185 34 126.2 58.3 Payroll Package 18 21 21 14.5 13.4 Others 65 86 45 44.5 24.8 Total 2,755 2,952 2,546

8.2 6.7