PT Bank Mayapada Internasional Tbk

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beserta laporan auditor independen/

Financial statements

as of December 31, 2015 and for the year then ended

with independent auditors’ report

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TANGGAL TERSEBUT

BESERTA LAPORAN AUDITOR INDEPENDEN

WITH INDEPENDENT AUDITORS’ REPORT

Daftar Isi Halaman/

Pages

Table of Contents

Laporan Auditor Independen Independent Auditors’ Report

Laporan Posisi Keuangan ... 1 - 3 ... Statement of Financial Position

Laporan Laba Rugi dan Penghasilan Statement of Profit or Loss and

Komprehensif Lain ... 4 - 5 ... Other Comprehensive Income Laporan Perubahan Ekuitas ... 6 ... Statement of Changes in Equity Laporan Arus Kas ... 7 - 8 ... Statement of Cash Flows Catatan Atas Laporan Keuangan ... 9 - 134 ... Notes to the Financial Statements

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Catatan atas laporan keuangan terlampir merupakan bagian yang tidak terpisahkan dari laporan keuangan ini secara

keseluruhan.

The accompanying notes to the financial statements form an integral part of these financial statements taken as a whole.

1 Januari/

January 1, 2014/

31 Desember/ 31 Desember/ 31 Desember/

Catatan/ December 31, December 31, December 31,

Notes 2015 2014*) 2013*)

ASET ASSETS

Kas 2,4 161.914.423 133.083.227 145.919.521 Cash

Current accounts with

Giro pada Bank Indonesia 2,5 3.136.180.138 2.607.553.258 1.658.438.753 Bank Indonesia

Giro pada Bank lain 2,6 Current accounts with other banks

Pihak berelasi 2,35 1.631.907 - - Related parties

Pihak ketiga 45.016.705 33.446.880 101.832.323 Third parties

46.648.612 33.446.880 101.832.323

Penempatan pada Bank Placements with Bank Indonesia

Indonesia dan bank lain 2,7 5.606.785.861 4.161.568.945 2.296.212.911 and other banks

Efek-efek 2,8 2.636.601.749 1.888.738.402 969.482.388 Securities

Obligasi Pemerintah 2,9 41.786.000 44.228.900 42.473.200 Government bonds

Pinjaman yang diberikan 2,10 Loans

Pihak berelasi 2,35 47.487.670 12.277.679 15.987.858 Related parties

Pihak ketiga 34.193.558.740 25.992.056.519 17.667.650.685 Third parties

34.241.046.410 26.004.334.198 17.683.638.543

Dikurangi: Less:

Cadangan kerugian Allowance for

penurunan nilai (141.702.743) (61.519.178) (115.427.636) impairment losses

Pinjaman yang diberikan - neto 34.099.343.667 25.942.815.020 17.568.210.907 Loans - net

Tagihan akseptasi 2 - - 12.315.355 Acceptances receivables

Dikurangi: Less:

Cadangan kerugian Allowance for

penurunan nilai - - (25.862) impairment losses

Tagihan akseptasi - neto - - 12.289.493 Acceptance receivables - net

Biaya dibayar dimuka 2,11,35 84.709.045 70.647.043 62.302.981 Prepayments

Aset tetap 2,12 1.174.179.591 940.963.628 876.036.646 Fixed assets

Dikurangi: Less:

Akumulasi penyusutan (419.809.509) (363.466.101) (322.755.658) Accumulated depreciation

Aset tetap - neto 754.370.082 577.497.527 553.280.988 Fixed assets - net

Aset pajak tangguhan 2,18 25.198.962 21.358.295 19.366.202 Deferred tax assets

Aset lain-lain - neto 2,13,35 712.414.996 714.011.590 597.834.191 Other assets - net

TOTAL ASET 47.305.953.535 36.194.949.087 24.027.643.858 TOTAL ASSETS

*) Disajikan kembali (Catatan 40) *) As restated (Note 40)

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LIABILITAS DAN EKUITAS LIABILITIES AND EQUITY

LIABILITAS LIABILITIES

Liabilitas segera 2,14 194.206.396 164.405.261 98.897.579 Obligations due immediately

Simpanan nasabah 2,15 Deposits from customers

Giro Current accounts

Pihak ketiga 2.286.743.514 2.113.873.197 914.083.432 Third parties

2.425.668.468 2.256.591.545 1.023.216.213

Tabungan Saving deposits

4.249.967.229 3.099.783.118 1.624.178.251

Deposito berjangka Time deposits

34.529.666.993 26.581.979.581 17.992.895.286

Sertifikat deposito 2,15 52.114.594 68.768.055 16.750.591 Certificate of deposits

Simpanan dari bank lain 2,16 Deposits from other banks

Giro 6.203.589 3.268.602 6.837.788 Demand deposits

Call money - 20.000.000 - Call money

Deposito berjangka - 8.000.000 - Time deposits

6.203.589 31.268.602 6.837.788

Liabilitas derivatif 2,17 3.750 10.230 13.500 Derivatives liabilities

Liabilitas akseptasi 2 - - 12.315.355 Acceptances payable

Utang pajak 2,18 85.231.477 85.472.752 88.503.663 Tax payable

Liabilitas imbalan kerja 2,19 147.224.786 131.262.725 68.018.237 Employee benefits liabilities

Biaya yang masih harus dibayar 2,20 26.221.634 21.896.830 21.324.856 Accrued expenses

Liabilitas lain-lain 2,21 64.483.914 37.105.687 17.117.123 Other liabilities

Obligasi subordinasi 2,22 937.888.053 935.220.864 681.468.247 Subordinated bonds

TOTAL LIABILITAS 42.718.880.883 33.413.765.250 21.651.536.689 TOTAL LIABILITIES

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keseluruhan.

1 Januari/

January 1, 2014/

31 Desember/ 31 Desember/ 31 Desember/

Catatan/ December 31, December 31, December 31,

Notes 2015 2014*) 2013*)

EKUITAS EQUITY

Modal saham - nilai nominal

Rp500 (nilai penuh) per

saham, Modal dasar Share capital - Rp500 (full

388.256.500 lembar saham amount par value per share,

seri A dan 4.558.717.500 authorized 388,256,500 shares of

lembar seri B dengan nilai series A and 4,558,717,500

nominal sebesar Rp100 shares of series B nominal Rp100

(nilai penuh) (full amount)

Modal ditempatkan dan disetor Issued and fully paid

penuh 388.256.500 saham seri 388,256,500 shares of

A pada tanggal 31 Desember series A as of December 31,

2015, 2014 dan 2013 serta 2015, 2014 and 2013 and

3.916.162.273 saham seri B 3,916,162,273 share of series

pada tanggal 31 Desember 2015 B as of December 31, 2015

dan 3.090.061.700 saham and 3,090,061,700 shares

Seri B pada tanggal series B as of December 31,

31 Desember 2014 dan 2013 1,23 585.744.477 503.134.420 503.134.420 2014 and 2013 Tambahan modal disetor 2,23 2.129.202.838 1.064.150.627 1.064.150.627 Additional paid-in capital

Cadangan umum 24 50.100.000 37.100.000 25.600.000 General reserve

Saldo laba 1.842.258.973 1.202.934.337 785.136.385 Retained earnings

Penghasilan komprehensif lain (20.233.636) (26.135.547) (1.914.263) Other comprehensive income

TOTAL EKUITAS 4.587.072.652 2.781.183.837 2.376.107.169 TOTAL EQUITY

TOTAL LIABILITAS DAN EKUITAS 47.305.953.535 36.194.949.087 24.027.643.858 TOTAL LIABILITIES AND EQUITY

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PENDAPATAN DAN BEBAN OPERATING INCOME AND

OPERASIONAL EXPENSE

Pendapatan bunga 25,35 5.002.093.789 3.564.517.203 Interest income

Beban bunga 26,35 (3.306.066.192) (2.446.460.502) Interest expense

PENDAPATAN BUNGA - NETO 1.696.027.597 1.118.056.701 INTEREST INCOME - NET

PENDAPATAN OTHER OPERATING

OPERASIONAL LAINNYA INCOME

Pendapatan provisi dan komisi 27 8.249.926 8.796.341 Fees and commission income

Laba selisih kurs - neto 4.151.234 3.131.358 Foreign exchange gain - net

Lain-lain 27 36.570.636 29.304.567 Others

Total pendapatan operasional

lainnya 48.971.796 41.232.266 Total other operating income

BEBAN OPERASIONAL LAINNYA OTHER OPERATING EXPENSES

Gaji dan tunjangan 29 (476.065.628 ) (382.268.639) Salaries and benefits

Umum dan administrasi 30 (303.533.152 ) (254.286.342) General and administrative

(Pembentukan)/pembalikan (Addition)/reversal allowance

cadangan kerugian penurunan for impairment

nilai atas aset keuangan 28 (79.290.275 ) 52.765.853 losses on financial assets

Lain-lain 31 (8.292.353 ) (6.926.142) Others

Total beban operasional lainnya (867.181.408 ) (590.715.270) Total other operating expenses

LABA OPERASIONAL 877.817.985 568.573.697 OPERATING INCOME

Pendapatan non-operasional 32 497.023 3.423.828 Non-operating income

Beban non-operasional 32 (102.170) (21.047) Non-operating expenses

PENDAPATAN NON OPERASIONAL - NETO 394.853 3.402.781 NON-OPERATING INCOME - NET

LABA SEBELUM BEBAN PAJAK 878.212.838 571.976.478 INCOME BEFORE TAX EXPENSE

BEBAN PAJAK - NETO 18 (225.888.202) (142.678.526) TAX EXPENSE - NET

LABA TAHUN BERJALAN 652.324.636 429.297.952 INCOME FOR THE YEAR

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keseluruhan.

31 Desember 2015 (Disajikan dalam ribuan Rupiah,

kecuali dinyatakan lain)

December 31, 2015 (Expressed in thousands of Rupiah,

unless otherwise stated)

Tahun yang Berakhir pada Tanggal

31 Desember/Year Ended December 31

Catatan/

Notes 2015 2014^*)

LABA TAHUN BERJALAN 652.324.636 429.297.952 INCOME FOR THE YEAR

PENGHASILAN KOMPREHENSIF OTHER COMPREHENSIVE

LAIN INCOME

Pos yang tidak akan Item that will not be

direklasifikasi ke laba rugi: reclassified to profit or loss:

Keuntungan (kerugian) aktuarial

atas liabilitas imbalan Actuarial gains (losses) on

kerja 2,19 11.465.193 (38.092.023) employee benefits liabilities

Pajak penghasilan terkait dengan Income tax related to other

penghasilan komprehensif lain (2.866.299) 9.523.007 comprehensive income

Pos yang akan direklasifikasi Item that may be reclassified

ke laba rugi: to profit or loss:

(Kerugian)/keuntungan yang

belum direalisasi atas Unrealized (losses)/gains

perubahan nilai wajar on changes in fair-value

efek-efek yang tersedia of available-for-sale

untuk dijual 2,8 (3.588.124) 4.347.732 securities

Pajak penghasilan terkait dengan Income tax related to other

penghasilan komprehensif 891.141 - comprehensive income

Penghasilan komprehensif lain Others comprehensive income

tahun berjalan - neto 5.901.911 (24.221.284) for the year - net

TOTAL PENGHASILAN

KOMPREHENSIF TAHUN TOTAL COMPREHENSIVE

BERJALAN 658.226.547 405.076.668 INCOME FOR THE YEAR

LABA PER SAHAM DASAR BASIC EARNING PER SHARE

(nilai penuh) 2,33 162,79 123,42 (full amount)

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Catatan atas laporan keuangan terlampir merupakan bagian yang tidak terpisahkan dari laporan The accompanying notes to the financial statements form an integral part of these

direalisasi

Keuntungan/ atas perubahan

(kerugian) nilai wajar

aktuarial atas efek-efek yang

liabilitas imbalan tersedia untuk

Modal kerja-neto/ dijual-neto/

ditempatkan dan Actuarial gain Unrealized gain/

disetor penuh/ Tambahan Cadangan (loss) on (loss) on changes/

Issued modal disetor/ umum/ Saldo laba/ employee in fair value of Total Catatan/ and fully Additional General Retained benefits available-for-sale Ekuitas/

Notes paid-up capital paid-in-capital Reserve earnings liability-net securities- net Total Equity

Saldo 31 Desember 2013 503.134.420 1.064.150.627 25.600.000 823.763.244 - (4.324.170) 2.412.324.121 Balance as of December 31, 2013

Dampak atas penerapan awal Effect of first implementation

PSAK No. 24 (Revisi 2013) 40 - - - (38.626.859) 2.409.907 - (36.216.952) of SFAS No. 24 (Revised 2013)

Saldo 1 Januari 2014,

disajikan kembali 503.134.420 1.064.150.627 25.600.000 785.136.385 2.409.907 (4.324.170) 2.376.107.169 January 1, 2014, as restated

Laba tahun berjalan 2014 - - - 429.297.952 - - 429.297.952 Income for the year 2014

Keuntungan yang belum direalisasi Unrealized gains on changes in

atas efek-efek yang tersedia fair value of available-for-sale

untuk dijual - neto 2,8 - - - - - 4.347.732 4.347.732 sale securities - net

Kerugian aktuarial atas liabilitas Actuarial loss on post-employment

imbalan kerja - neto 2,19 - - - - (28.569.016) - (28.569.016) benefit liability - net

Pembentukan cadangan umum 24 - - 11.500.000 (11.500.000) - - - Allocation for general reserve

Saldo 31 Desember 2014 Balance a of December 31, 2014

disajikan kembali 503.134.420 1.064.150.627 37.100.000 1.202.934.337 (26.159.109) 23.562 2.781.183.837 as restated

Laba tahun berjalan 2015 - - - 652.324.636 - - 652.324.636 Income for the year 2015

Tambahan modal disetor 82.610.057 1.065.052.211 - - - - 1.147.662.268 Additional pad-in-capital

Keuntungan aktuarial atas liabilitas Actuarial gain on post-employment

imbalan kerja - neto 2,19 - - - - 8.598.894 - 8.598.894 benefit liability - net

Kerugian yang belum direalisasi Unrealized loss on changes in

atas efek-efek yang tersedia fair value of available-for

untuk dijual - neto 2,8 - - - - - (2.696.983) (2.696.983) sale securities - net

Pembentukan cadangan umum 24 - - 13.000.000 (13.000.000 ) - - - Allocation for general reserve

Saldo 31 Desember 2015 585.744.477 2.129.202.838 50.100.000 1.842.258.973 (17.560.215) (2.673.421) 4.587.072.652 Balance as of December 31, 2015

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keseluruhan.

Tahun yang Berakhir pada Tanggal

31 Desember/Year Ended December 31

Catatan/

Notes 2015 2014

ARUS KAS DARI AKTIVITAS CASH FLOWS FROM

OPERASI OPERATING ACTIVITIES

Penerimaan bunga dan komisi 4.710.018.092 3.472.808.499 Interest income and commission

Pembayaran bunga (3.275.746.336) (2.336.227.559) Payment of interest

Pendapatan operasional lainnya 43.058.808 41.206.404 Other operating income

Beban operasional lainnya (703.171.927) (635.257.297) Other operating expenses

Pendapatan bukan operasional 477.693 340.025 Non operating income

Beban bukan operasional (92.597) (21.047) Non operating expenses

Arus kas sebelum perubahan Cash flows before changes in

dalam aset dan liabilitas operasi 774.543.733 542.849.025 operating assets and liabilities

Perubahan dalam aset dan liabilitas Changes in operating assets and

operasi : liabilities

Decrease (increase) in operating

Penurunan (kenaikan) aset operasi : assets:

Efek-efek dan tagihan lainnya - (916.663.982) Securities and other receivables

Pinjaman yang diberikan (8.238.155.859) (8.321.838.260) Loans

Tagihan akseptasi - 12.315.355 Acceptances receivable

Aset lain-lain 145.901.702 (32.812.758) Other assets

(Decrease) increase in operating

(Penurunan) kenaikan liabilitas operasi: liabilities:

Simpanan nasabah: Deposits from customers

Giro 169.076.923 1.233.375.332 Current accounts

Tabungan 1.150.184.111 1.475.604.867 Saving deposits

Deposito berjangka 7.947.687.411 8.589.084.295 Time deposits

Sertifikat deposito (16.653.460) 52.017.464 Certificate of deposits

Simpanan dari bank lain (25.065.012) 24.430.814 Deposits from other banks

Utang pajak (9.010.291) (3.030.911) Tax payable

Liabilitas lain-lain 33.851.497 27.500.457 Other liabilities

Pajak penghasilan (222.935.011) (135.147.613) Income tax

Kas neto yang diperoleh dari Net cash provided by

aktivitas operasi 1.709.425.744 2.547.684.085 operating activities

ARUS KAS DARI AKTIVITAS CASH FLOWS FROM INVESTING

INVESTASI ACTIVITIES

Hasil penjualan aset tetap 12 12.850 12.370.500 Proceeds from sale of fixed assets Pembelian aset tetap 12 (234.174.079) (80.558.400) Acquisition of fixed assets

Penjualan/(pembelian) efek-efek 8 Sales/(purchases) of marketable

yang tersedia untuk dijual - neto (110.201.669) - securities available for sale - net

Kas neto yang digunakan untuk Net cash used in

aktivitas investasi (344.362.898) (68.187.900) investing activities

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PENDANAAN ACTIVITIES

Tambahan modal disetor 23 1.068.930.662 - Additional paid-in-capital

Penambahan modal 23 82.610.057 - Additional capital

Pembayaran biaya emisi saham (3.878.451) - Payment of share issuance costs

Penerimaan dari penerbitan obligasi 22 - 253.752.617 Proceeds from bonds

Kas neto yang diperoleh dari Net cash provided by

aktivitas pendanaan 1.147.662.268 253.752.617 financing activities

Kenaikan bersih kas dan Net increase in cash and cash

setara kas 2.512.725.114 2.733.248.802 equivalents

Cash and cash equivalents at

Kas dan setara kas pada awal tahun 6.935.652.310 4.202.403.508 beginning of year

Cash and cash equivalents at

Kas dan setara kas pada akhir tahun 9.448.377.424 6.935.652.310 the end of year

Kas dan setara kas terdiri dari: 2 Cash and cash equivalents consist of:

Kas 4 161.914.423 133.083.227 Cash

Current accounts with

Giro pada Bank Indonesia 5 3.136.180.138 2.607.553.258 Bank Indonesia

Giro pada bank lain 6 46.648.612 33.446.880 Current accounts with other banks

Penempatan pada Bank Placements with Bank Indonesia

Indonesia dan bank lain - and other banks - maturing

jangka waktu jatuh tempo 3 bulan within 3 months since

atau kurang sejak tanggal perolehan 7 5.606.785.861 4.161.568.945 acquisition date

Sertifikat deposito Bank

Indonesia - jangka

waktu jatuh tempo Deposits certificates of

3 bulan atau Bank Indonesia - maturing

kurang sejak tanggal within 3 months since

perolehan 8 496.848.390 - acquisition date

Total kas dan setara kas 9.448.377.424 6.935.652.310 Total cash and cash equivalents

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1. UMUM 1. GENERAL

a. Pendirian Bank dan Informasi Umum a. Establishment and General Information

PT Bank Mayapada Internasional Tbk (selanjutnya disebut "Bank"), berdomisili di Jakarta, didirikan pada tanggal 7 September 1989 berdasarkan akta notaris Edison Jingga, SH, pengganti dari Misahardi Wilamarta, SH.

Akta Pendirian ini disahkan oleh Kementrian Kehakiman Republik Indonesia dengan Surat Keputusan No. C2.25.HT.01.01.TH.90 tanggal 10 Januari 1990 serta diumumkan dalam Tambahan Berita Negara Republik Indonesia No. 37 tanggal 10 Mei 1994.

PT Bank Mayapada Internasional Tbk (the

"Bank"), domiciled in Jakarta was established on September 7, 1989 based on Notarial Deed of Edison Jingga, SH, a substitute for Misahardi Wilamarta, SH. The deed of establishment was approved by the Minister of Justice of Republic of Indonesia in its Decision Letter No. C2.25.HT.01.01.TH.90 dated January 10, 1990 and was published in supplement No. 37 to the State Gazette of the Republic of Indonesia dated May 10, 1994.

Bank mulai beroperasi secara komersial pada tanggal 16 Maret 1990. Sesuai dengan pasal 3 Anggaran Dasar Bank, Bank beroperasi sebagai bank komersial. Bank memperoleh ijin usaha sebagai bank komersial yang diberikan

oleh Kementerian Keuangan

No. 342/KMK.013/1990 pada tanggal 16 Maret 1990. Bank juga memperoleh ijin kegiatan usaha sebagai bank devisa berdasarkan Surat Keputusan Direksi Bank Indonesia No. 26/26/KEP/DIR pada tanggal 3 Juni 1993.

Bank melakukan usaha di bidang perbankan dan jasa keuangan lainnya sesuai dengan undang-undang dan peraturan yang berlaku di Indonesia.

The Bank started its commercial operations on March 16, 1990. In accordance with article 3 of the Bank’s Article of Association, the Bank operates as a commercial bank. The Bank obtained the license as a commercial bank under the Decision Letter of Minister of Finance No. 342/KMK.013/1990 dated March 16, 1990. The Bank also obtained a license to engage in foreign exchange activities based on the Decision Letter of the Monetary Council of Bank Indonesia No. 26/26/KEP/DIR dated June 3, 1993. The Bank is engaged in banking activities and other financial services in accordance with the regulations prevailing in Indonesia.

Anggaran dasar Bank telah diubah beberapa kali, dengan perubahan terakhir, berdasarkan akta notaris No. 31 pada tanggal 14 Juli 2015 dari R.F Limpele, S.H, notaris di Jakarta, sehubungan dengan perubahan Anggaran Dasar Perseroan dalam rangka penyesuaian dengan ketentuan Peraturan Otoritas Jasa Keuangan (OJK). Akta tersebut telah disetujui oleh Menteri Hukum dan Hak Asasi Manusia Republik Indonesia berdasarkan surat No.

AHU 3535747.AH.01.11 Tahun 2015 tanggal 29 Juli 2015.

The Bank’s articles of Association have been amended several times, with the latest amendment, based on notarial deed No. 31 dated July 14, 2015 of R.F Limpele, S.H, notary in Jakarta, regarding the changes of the Banks articles of association to comply with the Regulation of Financial Service Authority (OJK). The deed has been approved by Minister of Law and Human Rights of the Republic of Indonesia based on the letter No.

AHU-3535747.AH.01.11 Tahun 2015 dated July 29, 2015.

Kantor pusat Bank berlokasi di Mayapada Tower Jl. Jendral Sudirman Kav 28, Jakarta.

Sampai dengan tanggal 31 Desember 2015 dan 2014, Bank memiliki kantor cabang dan perwakilan sebagai berikut:

The Bank’s head office is located at Mayapada Tower Jl. Jendral Sudirman Kav. 28, Jakarta.

As at December 31, 2015 and 2014, the Bank had the following branches and representative offices:

31 Desember/December 31

2015 2014

Cabang 36 36 Branches

Cabang pembantu 78 67 Supporting Branches

Kantor fungsional 86 75 Functional offices

Kantor kas 7 12 Cash offices

Anjungan Tunai Mandiri (ATM) 123 109 Automatic Teller Machine (ATM)

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Jumlah karyawan Bank per 31 Desember 2015 dan 2014 masing-masing adalah 3.144 orang dan 2.875 orang (tidak diaudit).

As at December 31, 2015 and 2014, the Bank had 3,144 and 2,875 employees, respectively (unaudited).

b. Penawaran saham Bank kepada publik b. Public offering of the Bank's shares

Berdasarkan keputusan Ketua Badan Pengawas Pasar Modal (BAPEPAM) No. S-1793/PM/1997, pada 7 Agustus 1997, Bank melakukan Penawaran Saham Perdana sejumlah 65.000.000 saham dengan nilai nominal Rp500 (Rupiah penuh) per saham dan harga penawaran Rp800 (Rupiah penuh) per saham. Pada tanggal 7 Agustus 1997, saham Bank tersebut telah dicatatkan di Bursa Efek Indonesia (dahulu Bursa Efek Jakarta).

Based on the Decree of The Capital Market

Supervisory Board (BAPEPAM) No. S-1793/PM/1997, on August 7, 1997, the

Bank undertook an Initial Public Offering of 65,000,000 shares with a par value of Rp500 (full amount) per share and an offering price of Rp800 (full amount) per share. On August 7, 1997, the Bank’s shares were listed on the Jakarta Stock Exchange (now called Indonesia Stock Exchange).

Untuk meningkatkan permodalan Bank yang berdampak terhadap peningkatan jumlah saham, Bank telah melakukan beberapa aksi korporasi berupa Penawaran Umum Terbatas (PUT) sebagaimana dijelaskan di bawah ini:

To increase the capital of the Bank, which resulted in increased number of shares, the Bank has conducted several corporate action such as Limited Public Offering (PUT) as described below:

(i) Pada tanggal 2 November 1999, Bank menawarkan kepada masyarakat 325 juta saham melalui Hak Memesan Efek Terlebih Dahulu (right issue) I dengan nilai nominal dan harga penawaran Rp500 (dalam Rupiah penuh) per saham setelah mendapat persetujuan dari Ketua Bapepam No. S-2152/PM/1999. Dari jumlah penawaran tersebut, 63.256.500 saham telah diterbitkan.

(i) On November 2, 1999, the Bank made a public offering of 325 million shares through a right issue I with a purchase price of Rp500 (in full amount) per share after obtaining approval from The Chairman of Capital Market Supervisory Board in his letter No. S-2152/PM/1999.

Out of the offered shares, 63,256,500 shares have been issued.

(ii) Pada tanggal 12 Juni 2001, Bank melakukan Penawaran Umum Terbatas II dalam rangka penerbitan Hak Memesan Efek Terlebih dahulu Saham Biasa Seri B kepada para pemegang saham sejumlah 647.094.167 Saham Seri B dengan nilai nominal dan harga penawaran sebesar Rp100 (dalam Rupiah penuh) setelah mendapat Surat Pemberitahuan Efektifnya Pernyataan Pendaftaran dari Ketua Bapepam No. S-1530/PM/2001. Dari jumlah penawaran tersebut 250.009.500 saham telah diterbitkan.

(ii) On June 12, 2001, the Bank made a Limited Public Offering II for a rights issue of series B shares to shareholders of 647,094,167 shares with an offering price of Rp100 (full amount) after obtaining approval from The Chairman of Capital Market Supervisory Board in his letter No. S-1530/PM/2001. Out of the offered shares, 250,009,500 shares have been issued.

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1. UMUM (lanjutan) 1. GENERAL (continued)

b. Penawaran saham Bank kepada publik (lanjutan)

b. Public offering of the Bank's shares (continued)

(iii) Pada tanggal 25 Juni 2002, Bank melakukan Penawaran Umum Terbatas III dalam rangka penerbitan Hak Memesan Terlebih Dahulu Saham Biasa Seri B kepada para pemegang saham sejumlah 765.919.200 Saham Biasa Seri B dengan nilai nominal sebesar Rp100 (dalam Rupiah penuh) setelah mendapat Surat Pemberitahuan Efektifnya Pernyataan Pendaftaran dari Ketua Bapepam No. S-1382/PM/2002. Dari jumlah penawaran tersebut 650.000.000 saham telah diterbitkan.

(iii) On June 25, 2002, the Bank made a Limited Public Offering III for a right issue of series B shares to shareholders of 765,919,200 shares with an offering price of Rp100 (full amount) after obtaining approval from the Chairman of Capital Market Supervisory Board in his letter No. S-1382/PM/2002. Out of the offered shares, 650,000,000 shares have been issued.

(iv) Pada tanggal 12 Juni 2007, Bank melakukan Penawaran Umum Terbatas IV dalam rangka penerbitan Hak Memesan Terlebih Dahulu Saham Biasa Seri B kepada para pemegang saham sejumlah 1.288.266.000 Saham Biasa Seri B dengan nilai nominal sebesar Rp100 (dalam Rupiah penuh) setelah mendapat Surat Pemberitahuan Efektifnya Pernyataan Pendaftaran dari Ketua Bapepam No.S-2509/BL/2007. Dari jumlah penawaran tersebut, 1.288.266.000 saham telah diterbitkan.

(iv) On June 12, 2007, the Bank made a Limited Public Offering IV for a rights issue of series B shares to shareholders of 1,288,266,000 shares with an offering price of Rp100 (full amount) after obtaining approval from the Chairman of Capital Market Supervisory Board in his letter No. S-2509/BL/2007. Out of the offered shares, 1,288,266,000 shares have been issued.

(v) Pada tanggal 10 November 2010, Bank melakukan Penawaran Umum Terbatas V dalam rangka penerbitan Hak Memesan Terlebih Dahulu Saham Biasa Seri B kepada para pemegang saham sejumlah 515.306.400 Saham Biasa Seri B dengan nilai nominal sebesar Rp100 (dalam Rupiah penuh) setelah mendapat Surat Pemberitahuan Efektifnya Pernyataan Pendaftaran dari Ketua Bapepam No. S-9767/BL/2010 seluruh jumlah penawaran tersebut sebesar 515.306.400 saham telah diterbitkan.

(v) On November 10, 2010, the Bank made a Limited Public Offering V for a rights issue of series B shares to shareholders of 515,306,400 shares with an offering price of Rp100 (full amount) after obtaining approval from the Chairman of Capital Market Supervisory Board in his letter No. S-9767/BL/2010. Out of the offered shares, 515,306,400 shares have been issued.

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(vi) Pada tanggal 16 Oktober 2013, Bank melakukan Penawaran Umum Terbatas VI dalam rangka penerbitan Hak Memesan Terlebih Dahulu Saham Biasa Seri B kepada para pemegang saham sejumlah 386.479.800 Saham Biasa Seri B dengan nilai nominal sebesar Rp100 (dalam Rupiah penuh) setelah mendapat Surat Pemberitahuan Efektifnya Pernyataan Pendaftaran dari Kepala Eksekutif Otoritas

Jasa Keuangan (OJK) No. S-291/D.04/2013 seluruh jumlah

penawaran tersebut sebesar 386.479.800 saham telah diterbitkan.

(vi) On October 16, 2013, the Bank made a limited public offering VI for a rights issue of series B shares to shareholders of 386,479,800 shares with an offering price of Rp100 (full amount) after obtaining approval from the Chief Executive of Financial Services Authority in his letter No. S-291/D.04/2013. Out of the offered shares, 386,479,800 shares have been issued.

(vii) Pada tanggal 13 Januari 2015, Bank melakukan Penawaran Umum Terbatas VII dalam rangka penerbitan Hak Memesan Terlebih Dahulu Saham Biasa Seri B kepada para pemegang saham sejumlah 434.789.775 Saham Biasa Seri B dengan nilai nominal sebesar Rp100 (dalam Rupiah penuh) setelah mendapat Surat Pemberitahuan Efektifnya Pernyataan Pendaftaran dari Kepala Eksekutif Otoritas Jasa Keuangan (OJK) No. S-564/D.04/2014. Seluruh jumlah penawaran tersebut sebesar 434.789.775 saham telah diterbitkan dengan harga transaksi sebesar Rp1.150 (nilai penuh) per lembar saham.

(vii) On January 13, 2015, the Bank made a Limited Public Offering VII for a rights issue of series B shares to shareholders of 434,789,775 shares with an offering price of Rp100 (full amount) after obtaining approval from the Chief Executive of Financial Services Authority in his letter No. S-564/D.04/2014. The entire offered shares of 434,789,775 shares have been issued with transactions price amounting to Rp1,150 (full amount) per shares.

(viii) Pada tanggal 9 September 2015, Bank melakukan Penawaran Umum Terbatas VIII dalam rangka penerbitan Hak Memesan Terlebih Dahulu Saham Biasa Seri B kepada para pemegang saham sejumlah 391.310.798 Saham Biasa Seri B dengan nilai nominal sebesar Rp100 (dalam Rupiah penuh) setelah mendapat Surat Pemberitahuan Efektifnya Pernyataan Pendaftaran dari Kepala Eksekutif Otoritas Jasa Keuangan (OJK) No. S-393/D.04/2015. Seluruh jumlah penawaran tersebut sebesar 391.310.798 saham telah diterbitkan dengan harga transaksi sebesar Rp1.665 (nilai penuh) per lembar saham.

(viii) On September 9, 2015, the Bank made a Limited Public Offering VIII for a rights issue of series B shares to shareholders of 391,310,798 shares with an offering price of Rp100 (full amount) after obtaining approval from the Chief Executive of Financial Services Authority in his letter No. S-393/D.04/2015. The entire offered shares of 391,310,798 shares have been issued with transaction price amounting to Rp1,665 (full amount) per shares.

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b. Penawaran saham Bank kepada publik (lanjutan)

b. Public offering of the Bank's shares (continued)

Berikut adalah kronologis pencatatan saham Bank pada bursa efek di Indonesia sejak Penawaran Umum Perdana:

The chronological overview of the Bank’s issued shares on the stock exchanges in Indonesia since the Initial Public Offering was as follows:

Jumlah Saham/

Number of Shares Penawaran Umum Perdana saham

di tahun 1997 325.000.000 Shares from Intial Public Offering in 1997

Penawaran Umum Terbatas saham Shares from Limited Public Offering

Hak Memesan Efek Terlebih Dahulu

(Rights Issue) I 63.256.500 Preemptive Rights (Rights Issue) I

(Rights Issue) II 250.009.500 Preemptive Rights (Rights Issue) II

(Rights Issue) III 650.000.000 Preemptive Rights (Rights Issue) III

(Rights Issue) IV 1.288.266.000 Preemptive Rights (Rights Issue) IV

(Rights Issue) V 515.306.400 Preemptive Rights (Rights Issue) V

(Rights Issue) VI 386.479.800 Preemptive Rights (Rights Issue) VI

(Rights Issue) VII 434.789.775 Preemptive Rights (Rights Issue) VII

(Rights Issue) VIII 391.310.798 Preemptive Rights (Rights Issue) VIII

Total 4.304.418.773 Total

Hampir seluruh saham Perseroan telah dicatatkan di Bursa Efek. Tetapi sesuai dengan Peraturan Pemerintah No. 29 tahun 1999 (“Peraturan”) tentang Pembelian Saham Bank Umum sebagai pelaksanaan dari Undang-Undang No. 10 tahun 1998 (“Undang-Undang”) tentang Perubahan atas Undang-Undang No. 7 tahun 1992 tentang Perbankan ditetapkan bahwa “Sekurang- kurangnya 1% (satu persen) dari saham Bank yang sahamnya dibeli oleh Warga Negara Asing dan/atau Badan Hukum Asing melalui Bursa Efek yang dapat mencapai 100%

(seratus persen) dari jumlah saham Bank yang dicatat pada Bursa Efek, tidak dicatatkan pada Bursa Efek dan harus tetap dimiliki oleh Warga Negara Indonesia dan/atau Badan Hukum Indonesia (Pasal 4 ayat 3)”, sehingga Pemegang Saham lokal Bank atas nama PT Mayapada Karunia tidak akan mencatatkan sejumlah 1% dari jumlah saham yang telah ditempatkan dan disetor penuh pada Bank atau sejumlah 43.044.188 (empat puluh tiga juta empat puluh empat ribu seratus delapan puluh delapan) saham.

Almost all shares of the Bank have been listed on the Stock Exchange. But as regulated in Government Regulation No. 29 year 1999 ("Regulations") of the Purchase Shares of Commercial Banks as the implementation of Law No. 10 year 1998 ("Act") on the Amendment of Act No. 7 year 1992, "At least 1% (one percent) of shares of the bank which shares are purchased by foreign citizens and/or foreign legal entities through the Stock Exchange to reach 100% (hundred percent) of the total shares of the Bank which are listed on Stock Exchange are not listed on the Stock Exchange and shall remain owned by Indonesian citizens and/or Indonesian legal entity (Article 4 paragraph 3)", therefore the

local shareholder of the Company PT Mayapada Karunia will not list 1% of total

issued and fully paid shares of the Bank or amounting to 43,044,188 (fourty three million, fourty four thousand one hundred eighty eight) shares.

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(i) Pada tanggal 17 Februari 2005, Bank memperoleh pernyataan efektif dari Ketua Badan Pengawas Pasar Modal

(Bapepam) dengan suratnya No. S-347/PM/2005 untuk melakukan

penawaran umum Obligasi Bank Mayapada I tahun 2005 dan Obligasi Subordinasi Bank Mayapada I tahun 2005. Pada tanggal 28 Februari 2005, Obligasi tersebut telah dicatat pada Bursa Efek Surabaya.

(i) On February 17, 2005, the Bank obtained the effective statement from the Chairman of Capital Market of Supervisory Board in his letter No. S-347/PM/2005 for the public offering of Bank Mayapada Senior Bonds I Year 2005, and Subordinated Bonds I Year 2005. On February 28, 2005, these bonds were listed on the Surabaya Stock Exchange.

(ii) Pada tanggal 16 Mei 2007, Bank memperoleh pernyataan efektif dari Ketua Badan Pengawas Pasar Modal

(Bapepam) dengan suratnya No. S-2351/BL/2007 untuk melakukan

penawaran umum Obligasi Bank Mayapada II tahun 2007 dan Obligasi Subordinasi Bank Mayapada II tahun 2007. Pada tanggal 30 Mei 2007, Obligasi tersebut telah dicatat pada Bursa Efek Surabaya.

(ii) On May 16, 2007, the Bank obtained the effective statement from the Chairman of Capital Market of Supervisory Board in his letter No.S-2351/BL/2007 for the public offering of Bank Mayapada Senior Bonds II Year 2007, and Subordinated Bonds II Year 2007. On May 30, 2007, these bonds were listed on the Surabaya Stock Exchange.

(iii) Pada tanggal 28 Juni 2013, Bank memperoleh pernyataan efektif dari Ketua Otoritas Jasa Keuangan (OJK) dengan suratnya No. S-202/D.04/2013 untuk melakukan penawaran umum Obligasi Subordinasi Bank Mayapada III tahun 2013. Pada tanggal 8 Juli 2013, Obligasi tersebut telah dicatat pada Bursa Efek Indonesia.

(iii) On June 28, 2013, the Bank obtained the effective statement from the Chairman of Financial Services Authority (OJK) in his letter No. S-202/D.04/2013 for the public offering of Bank Mayapada Subordinated Bonds III Year 2013. On July 8, 2013, these bonds were listed on the Indonesia Stock Exchange.

(iv) Pada tanggal 11 Desember 2014, Bank memperoleh pernyataan efektif dari Ketua Otoritas Jasa Keuangan (OJK) dengan suratnya No. S-529/D.04/2014 untuk melakukan penawaran umum Obligasi Subordinasi Bank Mayapada IV tahun 2014. Pada tanggal 18 Desember 2014, Obligasi tersebut telah dicatat pada Bursa Efek Indonesia.

(iv) On December 11, 2014, the Bank obtained the effective statement from the Chairman of Financial Services Authority (OJK) in his letter No. S-529/D.04/2014 for the public offering of Bank Mayapada Subordinated Bonds IV Year 2014. On December 18, 2014, these bonds were listed on the Indonesia Stock Exchange.

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d. Susunan Pimpinan dan Pengurus Bank d. Composition of the Bank’s Management

Susunan Dewan Komisaris dan Direksi Bank pada tanggal 31 Desember 2015 ditetapkan berdasarkan Rapat Umum Pemegang Saham Luar Biasa (RUPSLB) tanggal 30 Juni 2015 yang dinyatakan dengan akta notarial No. 30 tanggal 30 Juni 2015 oleh notaris Recky Francky Limpele, S.H., adalah sebagai berikut:

Based on Extraordinary General Meeting of Shareholders on June 30, 2015 which stated in notarial deed No. 30 by Recky Francky Limpele, S.H., dated June 30, 2015, the Bank‟s Board of Commissioners and Directors at December 31, 2015 are as follows:

31 Desember/December 31, 2015

Dewan Komisaris Board of Commissioners

Komisaris Utama Dato' Sri. Prof. DR. Tahir, MBA President Commissioner

Komisaris Ir. Hendra Commissioner

Komisaris Lee Wei Cheng* Commissioner

Komisaris Independen Ir. Kumhal Djamil, SE Independent Commissioner

Komisaris Independen Insmerda Lebang Independent Commissioner

Direktur Directors

Direktur Utama Hariyono Tjahjarijadi, MBA President Director

Wakil Direktur Utama I Jane Dewi Tahir Vice President Director I

Wakil Direktur Utama II Vinsensius Chandra Tjen** Vice President Director II

Direktur Suwandy Director

Direktur Hariati Tupang Director

Direktur Rudy Mulyono Director

Direktur Hung Li Chen* Director

Direktur Chang Fa Hsiang* Director

Susunan Dewan Komisaris dan Direksi Bank pada tanggal 31 Desember 2014 ditetapkan berdasarkan Rapat Umum Pemegang Saham Luar Biasa (RUPSLB) tanggal 30 September 2013 yang dinyatakan dengan akta notarial No. 156 tanggal 9 Oktober 2013 oleh notaris Buntario Tigris, S.H., S.E., M.H. adalah sebagai berikut:

Based on Extraordinary General Meeting of Shareholders on September 30, 2013 which stated in notarial deed No. 156 by Buntario Tigris, S.H., S.E., M.H., dated October 9, 2013 the Bank’s Board of Commissioners and Directors at December 31, 2014 are as follows:

31 Desember/December 31, 2014

Dewan Komisaris: Board of Commissioners:

Komisaris Utama Dato' Sri. Prof. DR. Tahir, MBA President Commissioner

Komisaris Ir. Hendra Commissioner

Komisaris Independen Ir. Kumhal Djamil, SE Independent Commissioner

Komisaris Independen Insmerda Lebang Independent Commissioner

Komisaris Independen Winarto Independent Commissioner

Direktur: Directors:

Direktur Utama Hariyono Tjahjarijadi, MBA President Director

Wakil Direktur Utama I Jane Dewi Tahir Vice President Director I

Wakil Direktur Utama II Vinsensius Chandra Tjen Vice President Director II

Direktur Suwandy Director

Direktur Hariati Tupang Director

Direktur Rudy Mulyono Director

* Efektif setelah mendapat persetujuan Otoritas Jasa Keuangan/ Effective after obtained approval from Indonesian Financial Services Authority (OJK).

** Rapat Umum Pemegang Saham Luar Biasa pada tanggal 26 Februari 2016, menyetujui permohonan pengunduran diri Vinsensius Chandra Tjen sebagai Wakil Direktur Utama, efektif per tanggal 26 Februari 2016/ The Extraordinary General Meeting of Shareholders dated February 26, 2016 approved the resignation request of Vinsensius Chandra Tjen from his position as Vice President Director which effective as of February 26, 2016.

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31 Desember/December 31,

2015 2014

Komite audit Audit committee

Ketua Insmerda Lebang Insmerda Lebang Chairman

Anggota Benny K. Yudiatmaja Benny K. Yudiatmaja Member

Anggota Usman G. Saleh Winarto Member

2015 2014

Komite Remunerasi Remuneration and Nomination

dan Nominasi Committee

Ketua Ir. Kumhal Djamil, SE Ir. Kumhal Djamil, SE Chairman

Anggota Ir. Hendra Ir. Hendra Member

Anggota Alice Roshadi S.Th Alice Roshadi S.Th Member

2015 2014

Komite Pemantau Risk Monitoring

Risiko Committee

Ketua Ir. Kumhal Djamil, SE Winarto Chairman

Anggota Winarto Benny K. Yudiatmaja Member

Anggota Adriana Purwantiny - Member

Sekretaris Perusahaan Corporate Secretary

Berdasarkan Surat Keputusan Direksi PT Bank

Mayapada Internasional Tbk

No. 025/BMI/SKD/HR/VII/14 tanggal 10 Juli 2014, Sekretaris Perusahaan pada tanggal 31 Desember 2015 dan 2014 adalah Rudy Mulyono.

Based on the Decree of the Board of Directors of PT Bank Mayapada Internasional Tbk No. 025/BMI/SKD/HR/VII/14 dated July 10, 2014, the Corporate Secretary as at December 31, 2015 and 2014 was Rudy Mulyono.

Satuan Kerja Audit Intern (SKAI) Internal Audit Unit

Berdasarkan Surat Keputusan Direksi PT Bank

Mayapada Internasional Tbk

No. 135/BMI/SKD/HR/IV/2004 tanggal 7 Juni 2004, Kepala Satuan Kerja Audit Intern (SKAI) pada tanggal 31 Desember 2015 dan 2014 adalah Indah Liliawaty Kurniawan.

Based on the Decree of the Board of Directors of PT Bank Mayapada Internasional Tbk No. 135/BMI/SKD/HR/IV/2004 dated June 7, 2004, the Head of Internal Audit as at December 31, 2015 and 2014 was Indah Liliawaty Kurniawan.