0.90 BJBR AM 2Q2013 Bahasa Final

2.0 1.8 1.9 1.8 2.2 2.3 2.6 1.2 1.2 1.4 1.7 2.1 2.1 2.3 0.4 0.2 0.2 0.3 0.5 0.7 0.8 0.4 0.2 0.6 0.5 0.5 0.7 0.6 - 0.5 1.0 1.5 2.0 2.5 3.0 Gross NPL Net NPL 551 527 593 575 701 699 754 508 480 534 648 603 621 786 373 368 403 406 516 587 679 324 334

441 557

728 796 962 20 40 60 80 100 120 140 160 180 - 200 400 600 800 1,000 1,200 R p b n Credit Provision LHS Absolute NPL LHS Coverage Ratio RHS Gross NPL Bank 2Q ‘12 2Q ’13 YoY Write Off Rp bn Konsumer 0.10 0.11 0.01 2 Mikro 3.8 6.9 3.1 79 Komersial 5.2 7.2 2.0 63 KPR 0.5 3.0 2.5 - Total 1.4

2.3 0.90

144 16 13 12 7 8 9 6 7 4 4 5 4 4 4 4 32 33 34 37 42 47 61 52 39 43 44 54 53 62 51 51 56 54 46 46 28 42 51 45 44 32 28 19 4 4 3 1 2 2 4 2 5 7 7 9 14 16 10 20 30 40 50 60 70 80 90 100 S p e ci a l M e n ti o n C o n tr ib u ti o n Consumer Micro Commercial Mortgage 26 25 24 21 33 25 28 19 37 37 51 46 67 63 67 68 109 95 147 195 247 278 332 344 524 570 790 997 105 103 182 138 159 190 113 224 438 365 516 339 420 304 8 8 8 3 7 7 15 9 44 60 88 96 210 254 - 0.5 1.0 1.5 2.0 2.5 3.0 3.5 4.0 4.5 - 200 400 600 800 1,000 1,200 1,400 1,600 1,800 S p e ci a l M e n ti o n T o ta l L o a n s A b so lu te S p e ci a l M e n ti o n L o a n s R p b n Consumer LHS Micro LHS Commercial LHS Mortgage LHS to Loans RHS 17 6 6 5 5 4 4 3 7 7 5 5 4 4 3 9 11 15 14 15 17 22 24 34 31 36 26 36 39 84 81 78 79 79 78 73 65 59 63 53 64 51 49 2 2 2 2 2 2 2 4 1 6 7 9 9 10 20 30 40 50 60 70 80 90 100 N P L C o n tr ib u ti o n Consumer Micro Commercial Mortgage 21 23 20 19 22 24 24 23 22 22 27 29 30 29 34 39 62 58 75 98 149 78 114 137 201 186 289 378 312 299 313 320 409 455 495 211 196 277 297 464 408 467 6 7 8 9 10 10 11 12 2 5 32 48 68 87 - 0.5 1.0 1.5 2.0 2.5 3.0 - 200 400 600 800 1,000 1,200 N e t P e rf o rm in g L o a n T o ta l L o a n s A b so lu te N e t P e rf o rm in g L o a n s R p b n Consumer LHS Micro LHS Commercial LHS Mortgage LHS to Loans RHS Non Performing Loans 18 Placement to Bank Indonesia 10.1 Interbank Placement 3.2 Marketable Securities 17.4 Loans 67.9 Others 1.3 Time Deposit, 26.6 Savings Account, 7.6 Current Account, 17.4 Interbank Lending, 7.2 Bonds, 2.4 Analisa Imbal Hasil 19 Asset Yield 2Q ‘12 2Q ’13 Placement to Bank Indonesia 4.0 3.9 Interbank Placement 3.1 2.8 Securities 4.7 4.8 Loans Yield 19.1 17.0 Others 0.2 0.0 Cost of Fund 2Q ‘12 2Q ‘13 Interbank Liabilities 4.3 4.7 Securities 11.6 11.0 Deposits From Customers 5.3 4.4 Current Account 2.2 2.1 Time Deposit 6.9 6.4 Savings Account 2.3 1.9 Loans received 0.1 0.0 42 41 40 24 58 48 45 25 40 47 49 26 52 51 39 42 42 54 26 34 37 50 41 34 32 49 26 29 19 17 18 22 16 19 18 25 19 19 19 24 22 20 10 20 30 40 50 60 70 80 90 100 Fu n d in g P ro p o rt io n Government Corporate Retail 89 87 86 84 84 83 82 82 82 80 79 77 76 75 10 11 12 12 13 14 15 15 15 16 18 19 20 21 1 1 2 3 3 3 3 2 2 3 3 2 2 2 1 1 1 1 2 2 10 20 30 40 50 60 70 80 90 100 L e n d in g P ro p o rt io n Consumer Micro Commercial Mortgage Basis Nasabah Mikro Tumbuh Cepat Strategi Funding Berhasil Baik 20 21 Aktiva Tertimbang Menurut Resiko ATMR 2Q ‘12 2Q ’13 YoY Total ATMR 25,235 30,392 20.4 Risiko Kredit 19,759 23,126 17.0 Risiko Operasional 5,191 6,254 20.5 Risiko Pasar 284 1,011 255.7 ATMRTotal Aktiva 42.9

43.9 1.0