MANDIRI Q3 2016 ENGLISH

(1)

(In Millions of Rupiah)

STATEMENT OF SPOT AND DERIVATIVE TRANSACTIONS

As of September 30, 2016

A. EXCHANGE RATE RELATED 1. Spot

2. Forward 3. Option

a. Written b. Purchased 4. Future 5. Swap 6. Others B. INTEREST RATE RELATED 1. Forward 2. Option

a. Written b. Purchased 3. Future 4. Swap 5. Others C. OTHERS

TOTAL

ALLOWANCES FOR IMPAIRMENT

As of September 30, 2016 and 2015

30 September 2016

30 September 2015 No DESCRIPTION Allowance for Impairment Required Allowance for Possible Allowance for Impairment Required Allowance for Possible

Losses of Earning Assets Losses of Earning Assets Individual Collective General Specific Individual Collective General Specific

CALCULATION OF FINANCIAL RATIOS

(In %)

PERFORMANCE RATIOS

COMPLIANCE

30 September 2016 30 September 2015

No.

RATIOS

30 September 2016

30 September 2015

INDIVIDUAL

No.

RATIOS

INDIVIDUAL

NOTES

1) Presentation of the above published Financial Statement as at and for nine months ended

September 30, 2016 and 2015 are derived from the Consolidated Financial Statement of PT Bank

Mandiri (Persero) Tbk. and Subsidiaries (unaudited), and Consolidated Financial Statement as at and

for the years ended December 31, 2015 its subsidiaries have been audited by Purwantono, Sungkoro

& Surja ("PSS")(a member firm of Ernst & Young Global Limited) with Danil Setiadi Handaja, CPA as

partner incharge, dated January 28, 2016 with an unmodified audit opinion (formerly unqualified

opinion).

2) Published financial statements are presented to comply with Financial Services Authority

Regulation(“POJK”) No.32/POJK.03/2016 dated August 8, 2016 regarding Transparency and

Published Financial Statements of the Bank and Circular Letter of Financial Services Authority

(“SEOJK”) No.43/SEOJK.03/2016 dated September 28,2016 regarding Transparency and Published

Financial Statements of Commercial Banks and also in accordance with rule of Capital Market and

Financial Institution Supervisory Agency(“Bapepam and LK”) No.X.K.2., Attachment to Decision of

Chairman of Bapepam and LK No.Kep-346/BL/2011 dated July 5,2011 regarding Submission of

Periodic Financial Statements for Issuers or Public Companies. Financial information and statement

of cash flows included in the published financial statements have also been prepared in accordance

with Bapepam and LK regulation No.VIII.G7. Attachment to Decision of Chairman of Bapepam and

LK No.Kep-347/BL/2012 dated June 25, 2012.

3) Related Parties in the Assets' Quality and Other Information are presented in accordance with Bank

Indonesia Regulation No. 7/3/PBI/2005 dated 20 January 2005 which was amended by Bank

Indonesia Regulation No. 8/13/PBI/2006 dated 5 October 2006 regarding The Legal Lending Limit

For Commercial Banks.

4) Exchange rate of 1 US Dollar as at September 30, 2016, September 30, 2015 and December 31, 2015

were Rp13,051.00; Rp14,650.00 and Rp13,785.00 respectively.

STATEMENTS OF ASSETS' QUALITY AND OTHER INFORMATION

As

of

September

30,

2016

and

2015

I RELATED PARTIES

Placements with other banks a. Rupiah b. Foreign currencies Spot and derivative receivables a. Rupiah

b. Foreign currencies Securities

a. Rupiah b. Foreign currencies

Securities sold Under agreements to repurchase (Repo)

Securities purchased under resell agreements (Reverse Repo)

a. Rupiah b. Foreign currencies Acceptances receivables Loans

a. Micro, small and medium loans (UMKM)

i. Rupiah ii. Foreign currencies b. Non UMKM i. Rupiah ii. Foreign currencies c. Restructured loans

i. Rupiah ii. Foreign currencies d. Property loans Investments in shares

Temporary investment Other Receivables Commitments and contingencies a. Rupiah

b. Foreign currencies Repossessed assets

II. THIRD PARTIES Placements with other banks a. Rupiah b. Foreign currencies Spot and derivative receivables a. Rupiah

b. Foreign currencies Securities a. Rupiah b. Foreign currencies

Securities sold under repurchase agreements (Repo)

Securities purchased under resell agreements (reverse repo)

a. Rupiah b. Foreign currencies Acceptances receivables Loans

a. Micro, small and medium loans (UMKM) i. Rupiah

ii. Foreign currencies b. Non UMKM i. Rupiah ii. Foreign currencies c. Restructured loans i. Rupiah ii. Foreign currencies d. Property loans Investments in shares Temporary investment Other Receivables Commitments and contingencies a. Rupiah

b. Foreign currencies Repossessed assets 1.

2.

3.

4.

5.

6. 7.

8. 9. 10. 11.

12.

1.

2.

3.

4.

5.

6. 7.

8. 9. 10. 11.

12.

No.

DESCRIPTION

Current Special Mention Sub Standard Doubtful Loss Total Current Special Mention Sub Standard Doubtful Loss Total

III. OTHER INFORMATIONS 1. Value of bank's assets pledge as collateral : a. To Bank Indonesia

b. To others

2. Total allowance for impairment on financial assets to earning assets 3. Total required allowance for possible losses on earning assets 4. Percentage of UMKM loans to total loans 5. Percentage of UMK loans to total loans 6. Percentage of UMKM debtors to total debtors 7. Percentage of UMK debtors to total debtors 8. Others

a. Channelling of loans b. Mudharabah Muqayyadah financing c. Write off on earning assets d. Recovery of write off on earning assets

e. Write off on earning assets with elimination of right to collect

INDIVIDUAL

INDONESIA MOST

TRUSTED COMPANY

(IMTC) 2007-2015

THE BEST BANK IN

SERVICE EXCELLENCE

2008 - 2015

1

st

PLACE ANNUAL

REPORT AWARD 2015

Kategori BUMN

KEUANGAN LISTED

BEST BANK

IN INDONESIA

2015

Otoritas Jasa Keuangan (OJK)

Kementrian Keuangan

and Bursa Efek Indonesia (BEI)

Indonesian Institute for

Corporate Governance (IICG)

and SWA Magazine

Alpha Southeast Asia

and Finance Asia

MRI and Infobank Magazine

BOARD OF COMMISSIONERS

MANAGEMENT OF THE BANK

SHAREHOLDER

Republic of Indonesia

: 60.00%

Non Ultimate Shareholder through

Capital Market (≥ 5%)

: Nill

Non Ultimate Shareholder through

non Capital Market (≥ 5%)

: Nill

- President Commissioner

: Wimboh Santoso

- Deputy President Commissioner

: Imam Apriyanto Putro

- Independent Commissioner

: Abdul Aziz

: Aviliani

: Goei Siauw Hong

: Bangun Sarwito Kusmulyono

- Commissioner

: Askolani

- Commissioner

: Ardan Adiperdana *)

BOARD OF DIRECTORS

- President Director

: Kartika Wirjoatmodjo

- Vice President Director

: Sulaiman Arif Arianto

- Director

: Ogi Prastomiyono

- Director

: Pahala N. Mansury

- Director

: Royke Tumilaar

- Director

: Hery Gunardi

- Director

: Kartini Sally

- Director

: Ahmad Siddik Badruddin **)

- Director

: Tardi

- Director

: Rico Usthavia Frans ***)

6,705,817

2,238,814

- - - 47,059,798

-

- - - - - -

56,004,429 -

- - - 24,869,410 775 -

44,567,535 - -

- -

- - -

- - - - - - - - - - - - -

- - - -

-

- -

- - -

- - - - - - - - -

--

- - -

CONSOLIDATED FINANCIAL STATEMENTS

PT Bank Mandiri (Persero) Tbk. & Subsidiaries

(dalam Jutaan Rupiah)

STATEMENT OF FINANCIAL POSITION

As of September 30, 2016 and December 31, 2015

Cash

Placements with Bank Indonesia Placements with other banks Spot and derivative receivables Securities

a. Fair value through profit/loss b. Available for sale c. Held to maturity ***) d. Loans and receivables

Securities sold under repurchase agreements (repo) Securities purchased under resale agreements (reverse repo) Acceptances receivables

Loans

a. Fair value through profit/loss b. Available for sale c. Held to maturity d. Loans and receivables Consumer financing receivables Sharia financing Investments in shares

Policy holder's investment in Unit Link Contract Allowance for impairment on financial assets a. Securities

b. Loans c. Others Intangible assets

Accumulated amortisation for intangible assets -/- Premises and equipment

Accumulated depreciation for premises and equipment -/-Non earning assets

a. Abandoned properties b. Repossessed assets c. Suspense account d. Inter office assets

i. Operational activities conducted in Indonesia ii. Operational activities conducted outside Indonesia Allowance for impairment on non financial assets -/-Lease financing

Deferred tax assets Other assets

TOTAL LIABILITIES AND EQUITY

STATEMENT OF INCOME AND OTHER COMPREHENSIVE

For the Period Ended September 30, 2016 and 2015 (In Millions of Rupiah)

1. 2. 3. 4. 5.

6. 7. 8. 9.

10. 11. 12. 13. 14.

15.

16.

17.

18. 19. 20. 21.

LIABILITIES Demand deposits **) Savings deposits **) Time deposits **) Investment fund - revenue sharing Fund from Bank Indonesia Fund from other banks **) Spot and derivative liabilities

Securities sold under repurchase agreements (repo) Acceptances liabilities

Securities issued Fund borrowings Margin deposits received Inter office liabilities

a. Operational activities conducted in Indonesia b. Operational activities conducted outside Indonesia Deferred tax liabilities

Liability to Unit Link Holders Other liabilities Investment fund - profit sharing TOTAL LIABILITIES

EQUITY

Share capital a. Authorised capital b. Unpaid-in capital-/- c. Treasury stock -/- Additional Paid-in Capital a. Agio b. Disagio -/- c. Donated capital d. Funds for paid-up capital e. Others Other comprehensive income

a. Adjustment arising from translation of financial statement b. Gain (Losses) from changes of financial assets on available for sale c. Effective cash flow hedges

d. Premises and equipment revaluation increment e. Other comprehensive income from entity associations f. Remeasurement from actuarial benefit program g. Income tax related to other comprehensive income h. Others

Difference arising from quasi reorganisation

Difference arising from restructuring value of transaction of entities under common control Other equity

Reserve a. General reserve b. Appropriated reserve****) Retained Earning a. Previous years *) b. Current year

TOTAL EQUITY ATTRIBUTABLE TO OWNER Non controlling interest

TOTAL EQUITY 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13.

14. 15. 16. 17.

18.

19.

20.

21. 22. 23. 24.

25.

26.

*) Accumulated losses of Rp162,874,901 million has been eliminated against additional paid-in capital / agio through quasi-reorganisation on April 30, 2003. **) Consolidated balance includes temporary syirkah funds from a Subsidiary.

***) Including Securities owned by Subsidiary which classified "At Cost", accordance with SFAS 110 "Accounting for Sukuk", which was effective since January 1, 2012. ****) As of September 30, 2016 Appropriated reserve of Rp 9,299,631 million has been reclassified to Retained Earning.

TOTAL ASSETS

OPERATING INCOME AND EXPENSES

A. Interest and Sharia Income, Interest and Sharia Expenses, and Premium Income and Claim Expenses

1. Interest and Sharia Income

2. Interest and Sharia Expenses

a. Rupiah

b. Foreign currencies

Net Interest Income and Sharia Income (Expenses) 3. Premium Income

4. Claim Expense

Net Premium Income (Claim Expenses)

Net Interest and Sharia Income (Expenses), and Net Premium Income (Claim Expenses)

B. Other Operating Income and Expenses 1. Other Operating Income

a. Increase in fair value of financial assets i. Securities

ii. Loans iii. Spot and derivative iv. Other financial assets b. Decrease in fair value of financial liabilities c. Gain from sale of financial assets i. Securities ii. Loans iii. Other financial assets

d. Gain from spot and derivative transaction (realised) e. Dividend

f. Gain from investment in shares with equity method g. Comissions/provisions/fees and administrative h. Recovery on allowance for impairment

i. Other income

2. Other Operating Expenses

a. Decrease in fair value of financial assets i. Securities

ii. Loans iii. Spot and derivative iv. Other financial assets

b. Increase in fair value of financial liabilities c. Losses from sale of financial assets i. Securities

ii. Loans iii. Other financial assets

d. Losses from spot and derivative transaction (realised) e. Impairment for financial assets

i. Securities ii. Loans iii. Sharia financing iv. Other financial assets

f. Losses related to operational risk

g. Losses from investment in shares under equity method h. Comissions/provisions/fees and administrative i. Impairment on non financial assets j. Salaries and employee benefits k. Promotion expenses

l. Other expenses

Other Operating Income (Expenses)

PROFIT (LOSS) FROM OPERATIONS

NON OPERATING INCOME AND EXPENSES

1. Gain (Losses) from sale of premises and equipment 2. Gain (Losses) from foreign currencies translation 3. Other non operating income (expenses)

PROFIT FROM NON OPERATING

PROFIT CURRENT YEAR BEFORE TAX

Income tax expenses a. Estimated current tax b. Deffered tax income (expenses)

PROFIT CURRENT YEAR

OTHER COMPREHENSIVE INCOME

1. Unreclassified to profit (loss) a. Premises and equipment revaluation increment

b. Remeasurement from actuarial benefit program c. Other comprehensive income from entity associations d. Others

e. Income tax related to other comprehensive income

2. Reclassified to profit (loss)

a. Adjustment arising from translation of financial statement b. Gain (Losses) from changes of financial assets on available for sale c. Effective cash flow hedges

d. Others

e. Income tax related to other comprehensive income

Other comprehensive income current year after income tax - net

TOTAL OTHER COMPREHENSIVE INCOME CURRENT YEAR

Income current year atributtable to : Parent Company

Non controlling interest

TOTAL INCOME CURRENT YEAR

Total other comprehensive income current year atributtable to : Parent Company

Non controlling interest

TOTAL OTHER COMPREHENSIVE INCOME CURRENT YEAR

Total comprehensive income current year atributtable to :

Parent Company Non controlling interest

TOTAL COMPREHENSIVE INCOME CURRENT YEAR

TRANSFER INCOME (LOSSES) TO HEAD OFFICE DIVIDEND

EARNING PER SHARE

LIABILITIES AND EQUITY

807,551,112 975,163,198

860,208,189 910,063,409

23,118,246 77,227,592 16,161,252 702,877

2,525,862 84,299,093 25,267,020 - 5,342,711 - 11,331,273

- - - 536,029,812 - - 5,354,140 -

(133,392) (20,470,785) (1,928,050) 3,109,126 (1,733,034) 15,352,695 (6,443,338)

150,039 19,815 573,821

(19,487,387) 19,567,324 (309,964) - 4,318,681 27,605,683 18,808,354

88,630,577 16,500,236 545,190

4,446,711 84,433,656 18,759,014 - 14,182,430 661,761 12,280,791

- - - 560,320,465 - - 5,775,138 -

(52,411) (28,032,031) (2,041,200) 3,146,616 (1,974,205) 41,319,141 (7,265,114)

150,039 19,815 656,382

(15,937,894) 16,017,423 (299,895) - 3,021,633 26,135,567

25,109,124 83,452,384 20,405,181 703,186

20,979,816 86,600,853 34,467,541 - 5,342,711 676,900 11,331,273

- - - 586,675,437 8,178,063 - 58,644

-

(285,317) (22,281,842) (2,215,456) 3,793,181 (1,877,989) 17,470,126 (7,708,438)

150,272 21,414 573,821

(19,487,387) 19,567,324 (310,903) 604,150 4,834,522 33,234,818 20,126,036

96,622,414 19,403,329 546,922

27,010,264 87,373,158 29,177,364 - 14,182,430

2,126,677 12,455,871

- - - 614,224,772

10,174,037 - 257,878

-

(204,132) (29,792,552) (2,346,538) 3,850,668 (2,154,059) 43,920,950 (8,722,633)

150,272 21,414 656,382

(15,937,894) 16,017,423 (300,834) 723,900 3,493,317 32,106,362

156,875,003 247,758,120 216,629,322 - - 13,818,460 285,989 13,049,998 12,280,791 4,985,828 30,303,387 1,450,825

- - - - 18,627,505 716,065,228

16,000,000 (4,333,333) -

17,476,308 - - - -

36,004 518,317 - 25,588,987 - 298,874 (782,339) - - - -

2,333,333 -

75,375,254 11,631,556 144,142,961 - 144,142,961 860,208,189

166,404,947 246,324,710 200,431,272 - - 12,440,574 303,547 4,863,171 11,331,273 564 33,686,787 1,863,755

- - - - 18,154,547 - 695,805,147

16,000,000 (4,333,333) -

17,476,308 - - - -

69,774 (1,901,815) - - - 308,294 317,660 - - - -

2,333,333 7,022,115

54,349,199 20,104,430 111,745,965 - 111,745,965 807,551,112

163,055,224 274,236,326 253,215,850 - - 14,208,221 285,989 13,049,998 12,455,871 8,286,296 34,859,284 1,450,825

- - - 20,312,578 26,961,029 - 822,377,491

16,000,000 (4,333,333) -

17,316,192 - - - -

173,953 863,173 - 25,932,990 - 332,124 (1,079,958) - - - (92,751)

2,333,333 -

80,790,895 12,013,201 150,249,819 2,535,888 152,785,707 975,163,198

172,165,990 271,707,530 232,513,741 - - 12,951,692 303,661 4,863,171 11,331,273 2,320,975 37,504,851 1,863,755

- - - 17,019,049 26,025,880 - 790,571,568

16,000,000 (4,333,333) -

17,316,192 - - - -

242,807 (1,815,490) - - - 343,636 184,511 - - - (92,751)

2,333,333 7,022,115

59,534,302 20,334,968 117,070,290 2,421,551 119,491,841 910,063,409

49,946,288

44,101,144 5,845,144

15,751,817

14,340,679 1,411,138

34,194,471 - - -

34,194,471

13,257,147

- - 1,469,596 - -

528,473 - - 141,237 702,267 - 7,661,331 185,784 2,568,459

32,995,009

8,115 - - - -

- - - -

124,532 14,430,250 - 70,482 5,959 - 514,701 273 7,708,019 636,177 9,496,501

(19,737,862)

14,456,609

46,443,063

43,017,293 3,425,770

17,756,479

16,760,688 995,791

28,686,584

- - -

28,686,584

12,901,795

1,212 - 1,209,835

- -

296,159 - - 161,839 752,534 - 7,009,260

2,712 3,468,244

23,941,217

- - - - -

- - - -

- 7,436,048

- 149,072 (2,051) - 580,934 18,016 6,955,737 543,311 8,260,150

(11,039,422)

17,647,162

56,885,233

50,872,720 6,012,513

18,228,293

16,804,349 1,423,944

38,656,940 7,550,446 5,254,810 2,295,636 40,952,576

14,415,394

97,831 - 1,469,596

- -

574,044 - - 165,042 - - 8,266,547

185,784 3,656,550

39,405,877

- - - - -

- - - -

124,328 15,470,444 - 384,065 5,959 - 517,944 112,289 9,808,350 730,974 12,251,524

(24,990,483)

15,962,093

52,637,202

48,989,943 3,647,259

20,185,098

19,182,414 1,002,684

32,452,104 7,342,001 4,900,944 2,441,057 34,893,161 13,403,096

- - 1,209,835

- -

274,294 - - 184,597

605 - 7,597,656

51,843 4,084,266

29,411,981

194,679 - - - -

- - - -

5,549 8,136,703 - 341,660

(2,051) - 580,934

60,489 8,698,277 645,234 10,750,507

(16,008,885)

18,884,276

(156) - 3,058

2,902 14,459,511

(1,971,407) (856,548)

11,631,556

25,588,987

(11,775) - - (790,112)

(33,770) 2,555,455 - - (442,855)

26,865,930 38,497,486

11,631,556 -

11,631,556

26,865,930 -

26,865,930

38,497,486 -

38,497,486

- -

-

88 - 15,224

15,312 17,662,474

(2,693,725) (519,860)

14,448,889

- (6,800)

- - -

54,297 (1,813,215) - - 353,776

(1,411,942) 13,036,947

14,448,889 -

14,448,889

(1,411,942) -

(1,411,942)

13,036,947 -

13,036,947

- -

-

(105) - (22,593)

(22,698) 15,939,395

(2,364,966) (937,419)

12,637,010

25,933,025

(11,719) - - (790,127)

(68,971) 2,724,755 - - (474,223)

27,312,740 39,949,750

12,013,201 623,809

12,637,010

27,266,818 45,922

27,312,740

39,280,019 669,731

39,949,750

- -

514.86

101 - 7,032

7,133 18,891,409

(3,152,813) (578,613)

15,159,983

- (11,906)

- - -

165,665 (1,856,215) - - 363,057

(1,339,399) 13,820,584

14,582,523 577,460

15,159,983

(1,339,399) -

(1,339,399)

13,243,124 577,460

13,820,584

- -

624.97

6,842,415 12,954,695

6,303,376 - - 49,601,293 -

-

- - - 24,869,410 775 -

100,571,964

136,598 10,715,881

6,303,376 - - 2,541,495 -

12,150 35,572

547 - - 429,919

- 11,033 96,671

416 - - 58,508

-

- - - 22,815 96,546 -

285,989 -

- - - 32,492 34,510

545,190 -

-

- -

- - -

- - - 1,927 1,927 - - - - 225

- --

333 - -

- -

- - -

- - - - - - - - - - 25,191

- -

- - - -

-

- -

- - -

- - - - - - - - - - 591,227 - -

- - -

22 1,752,855

1 -

274,410 19,493

- -

- - 3,497,285

1,792 1,792 - 12,483,488

2,888,070 9,595,418 - - - 10,282 4,852,047 - 9,406

1,057,808 6,207,209

-STATEMENTS OF CALCULATION OF CAPITAL ADEQUACY RATIO COMMERCIAL BANK *)

COMPONENTS OF CAPITAL

Leading, Trusted. Enabling growth.

INDIVIDUAL CONSOLIDATED INDIVIDUAL CONSOLIDATED 30 September 2015 30 September 2016

1. Capital Adequacy Ratio (CAR)

22.63%

17.81%

2. Non performing earning assets and

non performing non earning assets to total

earning assets and non earning assets

2.33%

1.53%

3. Non performing earning assets to total

earning assets

2.93%

1.91%

4. Allowance for impairment on financial

assets to earning assets

3.88%

2.95%

5. Gross NPL

3.69%

2.41%

6. Net NPL

1.04%

0.74%

7. Return on Asset (ROA)

2.35%

3.00%

8. Return on Equity (ROE)

13.76%

22.49%

9. Net Interest Margin (NIM)

6.40%

5.63%

10. Operating Expenses to Operating Income

77.13%

70.26%

11. Loan to Deposit Ratio (LDR)

89.90%

84.27%

1. a. Percentage violation of Legal Lending Limit

i. Related parties

0.00%

ii. Third parties

0.00%

b. Percentage of excess of the Legal

Lending Limit

i. Related parties

0.00%

ii. Third parties

0.00%

2. Reserve requirement

a. Primary reserve requirement Rupiah

6.50%

8.00%

b. Reserve requirement Foreign currencies

8.14%

8.10%

3. Net Open Position - Overall

5.70%

0.47%

30 September 2016 31 December 2015 30 September 2016 31 December 2015

(Audited) (Audited)

INDIVIDUAL CONSOLIDATED

ASSETS

DESCRIPTION

No.

11,211,095 55,688,476

106,755 2,735

84,983,535 32,706,643

3,532,318 -

222,475 -23,249,253

72,713,607 72,395,126 318,481 417,580,366 348,974,155 68,606,211 26,440,430 14,469,833 11,970,597 38,689,226 1,955 146 14,116,699

116,809,096 72,690,343 19,815 -

-

- -

- - -

- - - 849 849 - - - - 285

- - -

414 - -

- -

- - 8,113

- 53,840

- -

87,000 -

- -

- - -

2,097,368 2,097,368 - 3,892,406

3,026,905 865,501 1,114,213 854,019 260,194 376,595 - 146 1,163,705

13,431 45 19,815 - -

- -

STATEMENT OF COMMITMENTS AND CONTINGENCIES

As of September 30, 2016 and December 31, 2015

30 September 2016 31 December 2015 30 September 2016 31 December 2015 (Audited) (Audited)

INDIVIDUAL CONSOLIDATED

I. COMMITMENT RECEIVABLES 1. Unused fund borrowings facilities

2. Outstanding purchase position on spot and derivative 3. Others

II. COMMITMENT PAYABLES 1. Unused loan facilities granted to customer

a. BUMN i. Committed - Rupiah - Foreign currencies ii. Uncommitted - Rupiah - Foreign currencies b. Others

i. Committed ii. Uncommitted

2. Unused loan facilities granted to other banks a. Committed

i. Rupiah ii. Foreign currencies b. Uncommitted

i. Rupiah ii. Foreign currencies 3. Outstanding irrevocable letters of credit

a. Foreign letters of credit b. Local letters of credit

4. Outstanding sales position on spot and derivative 5. Others

III. CONTINGENT RECEIVABLES 1. Guarantees received

a. Rupiah b. Foreign currencies 2. Unrecognized interest income

a. Interest loan b. Others interest 3. Others IV. CONTINGENT PAYABLES

1. Guarantees issued a. Rupiah b. Foreign currencies 2. Others

DESCRIPTION No.

- 4,135,500 1,078,194 -

9,050,393 479,761

13,272,271 2,849,730

19,669,309 59,417,877

80,053 -

2,000 -

7,779,251 3,112,079 462,558 -

831,441 18,974,250

7,933,487 51,949 32,729

38,889,327 47,965,496 432,992

- - 608,459

-

2,404,253 985,705

19,287,910 1,696,591

19,361,254 74,214,939

50,135 -

210,000 -

8,220,457 3,241,703 420,008 56,119

1,156,280 14,808,504

7,384,501 417,720 32,729

40,145,296 39,018,658 466,302 -

- 608,459

-

2,404,253 985,705

19,287,910 1,696,591

19,361,254 73,249,395

50,135 -

210,000 -

8,214,302 3,236,972 420,008 -

1,156,280 14,619,344

7,377,224 51,949 32,729

40,097,951 38,611,902 466,302

- 4,135,500 1,078,194 -

9,050,393 479,761

13,272,271 2,849,730

19,669,811 59,934,634

80,053 -

2,000 -

7,812,509 3,112,079 462,558 -

833,784 19,187,779

7,939,596 1,527,323 32,729

39,048,742 48,198,074 432,992

KPMM Ratio

INDIVIDUAL CONSOLIDATED INDIVIDUAL CONSOLIDATED INDIVIDUALCONSOLIDATED INDIVIDUALCONSOLIDATED

30 September 2015 30 September 2016

527,579,736 2,027,839 92,008,869 621,616,444 9.00%

7.89% 0.00% 1.11%

580,671,189 2,428,284 107,636,532 690,736,005 9.00%

7.90% 0.00% 1.10%

498,370,438 1,442,122 78,627,774 578,440,334 9.00%

547,540,006 1,559,939 95,640,437 644,740,382 9.00%

21.51% 21.51% 1.11% 22.63% 13.63%

0.625% 0.00% 0.625%

20.63% 20.63% 1.10% 21.73% 12.73%

0.625% 0.00% 0.625%

15.33% 15.33% 2.48% 17.81%

-14.97% 14.97% 2.32% 17.29%

11,211,095 55,634,636

106,755 2,735

84,896,535 32,706,643

3,532,318 -

222,475 - 23,111,987

63,372,256 63,058,863 313,393 390,743,554 327,560,866 63,182,688 12,972,899 4,971,182 8,001,717 34,590,084 1,955 - 12,177,935

116,178,800 72,102,550 - 7,502,297 51,741,674

530,013 711

74,662,822 32,597,684

14,182,430 -

661,761 - 9,000,934

77,841,109 77,445,784 395,325 462,983,396 395,645,850 67,337,546 39,318,462 29,765,467 9,552,995 42,530,156 1,955 135 14,148,855

141,186,659 58,684,487 19,815

- -

- - 129,153

5,892,645 5,887,557 5,088 18,138,903 15,045,962 3,092,941 8,801,703 6,339,707 2,461,996 3,485,564 - - 723,244

593,325 572,458

-808,300 808,300 -2,325,947 2,319,490 6,457 1,838,050 1,838,050 -113,036

-19,686 12,208 -543,038

543,038 -2,479,556 1,020,932 1,458,624 1,713,565 466,875 1,246,690 123,947 -51,815

3,854 3,082

-I. Core Capital (Tier 1) 133,734,799 142,523,927 88,699,278 96,502,139

1. Common Equity Tier 1 (CET 1) 133,734,799 142,523,927 88,699,278 96,502,139

1.1 Paid-in Capital (net of Treasury Stock) 11,666,667 11,666,667 - -

1.2 Disclosed Reserves 132,009,417 138,158,533 - -

1.2.1 Additional Factor 132,551,615 138,701,670 - -

1.2.1.1 Other comprehensive income 25,735,164 26,248,049 - -

1.2.1.1.1 Excess differences arising from translation of

financial statement 45,078 183,027 - -

1.2.1.1.2 Potential gain of the increase in the fair value of financial assets available for sale of financial

assets available for sale 893,566 924,499 - -

1.2.1.1.3 Surplus of fixed assets revaluation 24,796,520 25,140,523 - -

1.2.1.2 Other disclosed reserves 106,816,451 112,453,621 - -

1.2.1.2.1 Agio 17,476,308 17,316,192 - -

1.2.1.2.2 General reserves 2,333,333 2,333,333 - -

1.2.1.2.3 Previous year profit 75,375,254 80,790,895 - -

1.2.1.2.4 Current year profit 11,631,556 12,013,201 - -

1.2.1.2.5 Funds for paid-in capital - - - -

1.2.1.2.6 Others - - - -

1.2.2 Deduction Factor (542,198) (543,137) - -

1.2.2.1 Other comprehensive income (294,270) (294,270) - -

1.2.2.1.1 Negative differences arising from

translation of financial statement (9,074) (9,074) - -

1.2.2.1.2 Potential losses from the decrease in the fair value

of financial assets available for sale (285,196) (285,196) - -

1.2.2.2. Other disclosed reserves (247,928) (248,867) - -

1.2.2.2.1 Disagio - - - -

1.2.2.2.2. Previous year loss - - - -

1.2.2.2.3 Current year loss - - - -

1.2.2.2.4 Negative difference in allowance for possible losses and allowance for impairment

on earning assets - - - -

1.2.2.2.5 Negative difference in adjusment amounts

from fair value of financial assets in trading book - - - -

1.2.2.2.6 Required allowance for non earning assets (247,928) (248,867) - -

1.2.2.2.7 Others - - - -

1.3 Non controlling interest - 311,457 - -

1.4 Deduction Factor of CET 1 (9,941,285) (7,612,730) - -

1.4.1 Deffered tax calculation (3,021,633) (3,290,079) - -

1.4.2 Goodwill - (117,741) - -

1.4.3 Other intangible assets (1,172,411) (1,260,456) - -

1.4.4 Investments in share (5,722,241) (2,919,454) - -

1.4.5 Shortfall of capital on insurance subsidiaries - - -

1.4.6 Securitisation exposure (25,000) (25,000) - -

1.4.7 Other deduction of CET 1 - - - -

1.4.7.1 Placement of funds in instrumen AT 1 and/ or Tier 2

to other bank - - - -

1.4.7.2 Cross-ownership in another entity acquired by the

transition due to law, grants, or grants will - - - -

2. Additional Tier 1 (AT 1) - - - -

2.1 Instrument which comply with AT 1 requirements - - - -

2.2 Agio/Disagio - - - -

2.3 Deduction factor of AT 1 - - - -

2.3.1 Placement of funds in instrumen AT 1 and/or Tier 2 to

other bank - - - -

2.3.2 Cross-ownership in another entity acquired

by the transition due to law, grants, or grants will - - - -

II. Supplemental Capital (Tier 2) 6,929,088 7,592,731 14,330,844 14,945,464 1. Capital Instrument in the form of Stock or others which comply

with Tier 2 requirements 334,341 334,341 - -

2. Agio/Disagio - - - -

3. General provison on earning assets (max. 1.25% credit risk - weighted assets) 6,594,747 7,258,390 - -

4. Deduction supplemental capital (Tier 2) - - - -

4.1 Sinking Fund - - - -

4.2 Placement of funds in instrumen AT 1 and/or Tier 2 to other bank - - - -

4.3 Cross-ownership in another entity acquired by the transition

due to law, grants, or grants will - - - -

TOTAL CORE AND SUPPLEMENTAL CAPITAL 140,663,887 150,116,658 103,030,122 111,447,603

*) Appointment as Commissioner has received approval from Otoritas Jasa Keuangan on Fit and Proper Test and has become effective served since the date of October 3, 2016.

**) Director of compliance

***) Appointment as Director according to the decision of Annual General Meeting on March 21, 2016, has received approval from the Otoritas Jasa Keuangan on Fit & Proper Test and has become effective since the date of July 20, 2016.

DESCRIPTION

INDIVIDUAL CONSOLIDATED

No.

30 September 2016 30 September 2015 30 September 2016 30 September 2015

STATEMENT OF CASH FLOW

For the Period Ended September 30, 2016 and 2015 (In Millions of Rupiah)

CONSOLIDATED

DESCRIPTION

30 September 2016 30 September 2015

CASH FLOWS FROM OPERATING ACTIVITIES

Receipts from interest income 50,990,939 46,590,604

Receipts from sharia income 4,017,446 3,776,006

Receipts from fees, commissions and premium - net 10,533,571 10,012,566

Payments of interest expense (16,222,978) (18,377,587)

Payments of sharia expenses (1,709,270) (1,838,890)

Receipts from the sale of Government

Bonds - Fair value through profit or loss 39,950,597 31,697,647 Acquisition of Government Bonds - Fair value through

profit or loss (39,985,693) (32,508,290)

Foreign exchange gains/ (losses) - net 7,616,866 4,607,791

Other operating income - others 1,356,862 2,231,169

Other operating expenses - others (3,373,223) (3,641,387)

Salaries and employee benefits (10,240,309) (8,995,493)

General and administrative expenses (9,144,736) (7,993,175)

Non operating income/(expenses) - net (22,698) 7,133

Payment of corporate income tax (3,271,302) (4,168,193)

Cash Flow From Operating Activities Before Changes in

Operating Assets and Liabilities 30,496,072 21,399,901

Decrease/(increase) in operating assets:

Placements with Bank Indonesia and other banks 916,914 (701,125) Marketable securities - Fair value through profit or loss (5,128,950) 7,832,505

Other receivables - trade transactions 731,812 (765,662)

Loans (31,580,573) (32,363,361)

Sharia financing (3,096,830) (2,561,969)

Securities purchased under resale agreements (1,449,777) 17,937,743

Consumer financing receivable (2,290,170) (1,349,336)

Net investment in lease financing (121,193) 104,002

Prepaid taxes 1,652,002 (292,153)

Prepaid expense (724,079) (850,988)

Other assets (680,726) 341,813

Proceeds from collection of financial assets already written - off 2,325,060 1,879,849 Increase/(decrease) in operating liabilities

and temporary syirkah funds:

Conventional Banking

Demand deposits (9,330,488) 41,448,084

Saving deposits 1,682,178 (5,588,361)

Time deposits 22,247,818 5,605,148

Inter-bank call money (2,273,741) (360,750)

Obligation due immediately 460,501 308,963

Liability to unit - linked policyholders 3,293,529 (2,567,563)

Other taxes payable (212,145) (415,423)

Other liabilities 3,526,380 110,007

Sharia Banking - Temporary Syirkah Funds

Demand deposit - restricted investment and demand

deposit - mudharabah musytarakah (760) (1,404)

Saving deposit - restricted investment and mudharabah

saving deposit - unrestricted investment 832,967 303,116 Mudharabah time deposit - unrestricted investment 2,216,216 (1,326,629)

Net cash provided by operating activities 13,492,017 48,126,407

CASH FLOWS FROM INVESTING ACTIVITIES

Increase in marketable securities - other than at fair

value through profit or loss (6,905,138) (13,735,545)

Decrease/(increase) in Government Bonds - other

than at fair value through profit or loss 4,313,778 (15,465,430)

Proceeds from sale of fixed assets 109,907 3,806

Acquisition of fixed assets (1,426,696) (748,771)

Acquisition of intangible assets (57,487) (210,928)

Net cash used in investing activities (3,965,636) (30,156,868)

CASH FLOWS FROM FINANCING ACTIVITIES

Increase of investment in Subsidiaries (708,706) (560,159)

Increase/(decrease) in marketable securities issued 5,960,572 (205,035)

Decrease in fund borrowings (980,640) (7,688,302)

(Decrease)/increase of Subordinated Loans (44,709) 4,316

Increase/(decrease) in securities sold under

repurchase agreements 8,186,827 (2,915,486)

Payments of dividends (6,100,490) (4,967,968)

Net cash provided by financing activities 6,312,854 (16,332,634)

NET INCREASE IN CASH AND CASH EQUIVALENTS 15,839,235 1,636,905

EFFECT OF EXCHANGE RATE CHANGES

ON CASH AND CASH EQUIVALENT (8,034,181) 3,157,836

CASH AND CASH EQUIVALENTS AT THE BEGINNING OF PERIOD 125,667,407 138,804,383

CASH AND CASH EQUIVALENTS AT THE END OF PERIOD 133,472,461 143,599,124

Cash and cash equivalent at the end of period consist of :

Cash 20,126,036 19,062,408

Current accounts with Bank Indonesia 48,039,364 54,400,550

Current accounts with other banks 9,668,551 17,014,476

Placements with Bank Indonesia and other banks 55,638,510 52,983,598

Certificate of Bank Indonesia - 138,092

Total cash and cash equivalents 133,472,461 143,599,124

Capital Adequacy Ratio as at September 30, 2016 has been calculated based on POJK No.34/POJK.03/2016 dated September 22, 2016 regarding Minimum Capital Adequacy Requirement for commercial Bank, Capital Adequacy Ratio as at September 30, 2015 has been calculated based on Bank Indonesia Regulation (PBI) No.15/12/PBI/2013 dated December 12, 2013 regarding Minimum Capital Adequacy Requirement for commercial Bank.

*)

- - 30,125,642 24,035,928 13.89% 6.25% 57.14% 54.29%

337,538 - 6,132,509 2,049,968 -

- - 21,832,895 16,260,820 14.46% 6.01% 50.56% 47.64%

9,253,468 - 4,420,661 1,951,481 - -

-

- -

- - -

- - - - - - 723,227 --

- - -

- -

- - -

- - - - - - - - -25,191

--

- - -

22 1,301,948

14,466 -

378,875 -

- -

- - 3,279,857

1,055 1,055 - 19,494,905

9,507,595 9,987,310 - - - 7,854 5,773,048 - 311,438

3,019,117 4,516,107

22 1,752,855

1 -

274,410 19,493

- -

- - 3,497,285

1,792 1,792 - 12,482,639

2,887,221 9,595,418 - - - 9,997 4,235,629 - 9,406

1,057,394 6,207,209 22

1,301,948

14,466 -

378,875 -

- -

- - 3,279,857

1,055 1,055 - 19,492,978 9,505,668 9,987,310 - - - 7,629 5,024,630 - 311,438

3,018,784 4,516,107

7,502,297 51,693,886

530,013 711

74,662,822 32,576,094

14,182,430 -

661,761 - 8,930,699

66,664,710 66,371,074 293,636 427,705,200 366,538,252 61,166,948 16,841,309 11,487,378 5,353,931 38,419,562 - - 12,880,265

140,457,844 58,314,669 -

- -

- - 49,386

6,169,050 6,067,361 101,689 19,624,691 16,273,577 3,351,114 13,204,995 10,556,974 2,648,021 3,269,565 - - 52,594

694,155 366,965

- -

- - 20,236

785,779 785,779 - 3,834,226 3,516,146 318,080 3,423,830 3,265,195 158,635 122,840 - - 1,341

1,223 1,974

- -

- - -

1,021,075 1,021,075 - 1,413,453 1,301,620 111,833 936,722 936,722 - 137,644 - - 126

6,237 -

- 47,788

- -

- 21,590

- -

- - 613

3,200,495 3,200,495 - 10,405,826

8,016,255 2,389,571 4,911,606 3,519,198 1,392,408 580,545 1,955 135 1,214,529

27,200 879 19,815

1. Placements with other banks 47,788 23,455 164,524 47,788 53,840 36,383 286,650 53,840

2. Spot and derivative receivables - - 5,330 - - - 1,010 -

3. Securities 40,587 11,824 231,688 21,590 121,725 14,064 234,304 87,000 4. Securities sold with agreement

to repurchase (repo) - - - -

5. Securities purchased with

agreement to resell (reverse repo) - - 6,618 - - - 2,225 -

6. Acceptances receivables 111,712 39,123 122,106 6,118 178,393 95,213 266,092 7,675 7. Loans 19,330,278 8,701,753 5,138,639 16,806,369 11,861,475 7,560,664 4,666,002 9,211,906

8. Investments in shares 50,360 - 53 135,630 61,040 - 582 113,875

9. Temporary invesment 135 - - 135 146 - - 146

10. Other Receivable 1,719,278 49,349 131,917 1,217,423 1,813,227 36,725 121,874 1,207,639 11. Commitments and contingencies 151,844 18,385 897,052 31,086 206,526 19,040 971,218 57,899

RISK WEIGHTED ASSETS CREDIT RISK - WEIGHTED ASSETS MARKET RISK - WEIGHTED ASSETS OPERATIONAL RISK - WEIGHTED ASSETS TOTAL RISK WEIGHTED ASSETS CAR BASED ON RISK PROFILE (%)

CAPITAL ALLOCATION FOR CAR BASED ON RISK PROFILE

From CET 1 (%) From AT 1 (%) From Tier 2 (%)

CET 1 Ratio (%) Tier 1 Ratio (%) Tier 2 Ratio (%) KPMM Ratio (%) CET 1 FOR BUFFER (%)

PERCENTAGE OF BUFFER MANDATORY FILLED BY BANK(%)

Capital conservation buffer (%) Countercyclical buffer (%) Capital Surcharge for Systemic Bank (%)

No. TRANSACTION NOTIONAL AMOUNT Type Derivative Receivables & Payables Trading Hedging Receivables Payables

Kartika Wirjoatmodjo

President Director

Pahala N. Mansury

Director

Jakarta, October 26, 2016