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