PT Bank Internasional Indonesia Tbk dan entitas anak/and subsidiaries

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September 30, 2012 (Unaudited) and December 31, 2011 (Audited) and nine-month period ended

September 30, 2012 and 2011 (Unaudited)

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(TIDAK DIAUDIT)

Daftar Isi Table of Contents

Halaman/Pages

Consolidated Statements of Laporan Posisi Keuangan Konsolidasian..…………. 1-5 ……… Financial Position

Consolidated Statements of Laporan Laba Rugi Komprehensif Konsolidasian…. 6-8 ………..Comprehensive Income

Consolidated Statements of Changes Laporan Perubahan Ekuitas Konsolidasian..………. 9-10 ...……….in Equity Laporan Arus Kas Konsolidasian..………... 11-12 .Consolidated Statements of Cash Flows

Notes to the Consolidated Financial Catatan atas Laporan Keuangan Konsolidasian..…. 13-211 ..….……….……Statements

Statements of Financial Position - Laporan Posisi Keuangan - Entitas Induk.………….. Appendix 1 ……….…... Parent Company Laporan Laba Rugi Komprehensif - Statements Comprehensive Income -

Entitas Induk……… Appendix 2 ……….…….Parent Company Statements of Changes in Equity - Laporan Perubahan Ekuitas - Entitas Induk.…... Appendix 3 ...Parent Company

Statements of Cash Flows - Laporan Arus Kas - Entitas Induk..………... Appendix 4 ... Parent Company

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Catatan atas laporan keuangan konsolidasian merupakan bagian yang tidak terpisahkan dari laporan keuangan

konsolidasian.

The accompanying notes form an integral part of these consolidated financial statements.

1

30 September/ 31 Desember/

September 30, December 31,

2012 2011

Catatan/ (Tidak Diaudit/ (Diaudit/

Notes Unaudited) Audited)

ASET

Kas 2c,3 1.551.327 1.701.791 Cash

Giro pada Bank Indonesia 2c,2e,2f,4 7.103.348 6.484.175 Current accounts with Bank Indonesia

Giro pada bank lain 2c,2f,2n,5 Current accounts with other banks

Pihak berelasi 2ad,41 13.555 943 Related parties

Pihak ketiga 684.712 906.248 Third parties

698.267

907.191

Dikurangi: Penyisihan kerugian Less: Allowance for

penurunan nilai (163) (219) impairment losses

Giro pada bank lain - bersih 698.104 906.972 Current accounts with other banks - net

Penempatan pada Bank Placements with

Indonesia dan bank lain 2c,2g,2n,6 Bank Indonesia and other banks

Pihak berelasi 2ad,41 - 90.675 Related parties

Pihak ketiga 8.811.359 7.538.017 Third parties

8.811.359

7.628.692

Efek-efek yang diperdagangkan 2c,2h,7 768.326 714.874 Trading securities

Investasi keuangan 2b,2c,2i,2n,8 7.109.615 7.151.498 Financial investments

Dikurangi: Penyisihan Less: Allowance for

kerugian penurunan nilai (258.243) (206.690) impairment losses

Investasi keuangan - bersih 6.851.372 6.944.808 Financial investments - net

Tagihan derivatif 2c,2ad,2j,9,41 246.314 112.424 Derivatives receivable

Kredit yang diberikan 2c,2k,2n,10 Loans

Pihak berelasi 2ad,41 70.911 59.168 Related parties

71.237.836

62.807.916

kerugian penurunan nilai (1.282.218) (1.116.677) impairment losses

Kredit yang diberikan - bersih 69.955.618 61.691.239 Loans - net

ASSETS

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konsolidasian.

2

2012 2011

ASET (lanjutan) ASSETS (continued)

Piutang pembiayaan 2m,2n,11 Consumer financing

konsumen 2ad,41 6.796.207 6.538.409 receivables

Dikurangi: Less:

Pendapatan pembiayaan Unearned consumer financing

konsumen yang belum diakui (2.146.723) (2.160.433) receivables

Penyisihan kerugian Allowance for impairment

penurunan nilai (66.706) (73.793) losses

Piutang pembiayaan Consumer financing

konsumen - bersih 4.582.778 4.304.183 receivables - net

Tagihan akseptasi 2c,2l,2n,12,2ad,41 831.635 932.119 Acceptances receivable

kerugian penurunan nilai (7.745) (9.353) impairment losses

Tagihan akseptasi - bersih 823.890 922.766 Acceptances receivable - net

Aset pajak tangguhan 2z,21c 343.292 382.671 Deferred tax assets

Aset tetap 2o,13 1.806.301 1.700.618 Fixed assets

Dikurangi: Akumulasi penyusutan (869.517) (777.735) Less: Accumulated depreciation

Aset tetap - bersih 936.784 922.883 Fixed assets - net

Aset tidak berwujud 2b,2p,14 507.085 487.866 Intangible assets

Dikurangi: Akumulasi amortisasi (438.466) (419.997) Less: Accumulated amortization

Aset tidak berwujud - bersih 68.619 67.869 Intangible assets - net

Beban dibayar dimuka dan 2c,2n,2q,2r,2x,15 Prepayments and

aset lain-lain other assets

Pihak berelasi 2ad,41 24.089 18 Related parties

2.806.217

2.189.163 Dikurangi:

Penyisihan kerugian Less:

penurunan nilai (16.945) (19.190) Allowance for impairment losses

Penyisihan kerugian (23.129) (36.209) Allowance for possible losses

Beban dibayar dimuka dan Prepayments and

aset lain-lain - bersih 2.766.143 2.133.764 other assets - net

JUMLAH ASET 47b 105.507.274 94.919.111 TOTAL ASSETS

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konsolidasian.

3

2012 2011

Liabilitas segera 2c,2s,2ad,16,41 668.951 930.766 Obligations due immediately

Simpanan nasabah 2c,2t,17 Deposits from customers

79.835.809

70.322.917

Simpanan dari bank lain 2c,2u,18 Deposits from other banks

Pihak ketiga 1.495.424 773.079 Third parties

1.839.717

1.405.641

Liabilitas derivatif 2c,2j,9 Derivatives payable

160.913

86.501

Liabilitas akseptasi 2c,2l,12 Acceptances payable

831.635

932.119

Surat berharga yang diterbitkan 2c,2v,19 Securities issued

Pihak berelasi 2ad,41 1.940.894 1.833.411 Related parties

5.931.904

6.299.578

Pinjaman diterima 2c,2w,20 Borrowings

Pihak berelasi 2ad,41 80.083 - Related parties

2.225.859

2.304.429

Hutang pajak 2c,2z,21a 430.644 105.675 Taxes payable

Liabilitas pajak tangguhan 2z,21c 77.938 69.032 Deferred tax liabilities

Beban yang masih harus dibayar 2c,2x,2ab,22 Accrued expenses

dan liabilitas lain-lain and other liabilities

2.621.576

2.518.120

Obligasi subordinasi 2v,23 Subordinated bonds

1.991.133

1.990.330

JUMLAH LIABILITAS 47b 96.616.079 86.965.108 TOTAL LIABILITIES

LIABILITAS DAN EKUITAS LIABILITIES AND EQUITY

LIABILITAS LIABILITIES

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konsolidasian.

4

2012 2011

Ekuitas teratribusi kepada pemilik Equity attributable to equity

entitas induk holders of the parent company

Modal Saham Share Capital

Modal Dasar - Authorized Capital -

476.608.857.231 saham 476,608,857,231 shares as

per 30 September 2012 dan of September 30, 2012 and

31 Desember 2011 December 31, 2011

terdiri dari: consisting of:

388.146.231 saham Seri A 388,146,231 Series A

dengan nilai nominal shares with a par value of

Rp900 (nilai penuh) Rp900 (full amount)

per saham; per share;

8.891.200.000 saham Seri B 8,891,200,000 Series B shares

dengan nilai nominal with a par value of

Rp225 (nilai penuh) Rp225 (full amount)

per saham; dan per share; and

467.329.511.000 saham Seri D 467,329,511,000 Series D

dengan nilai nominal Rp22,50 shares with a par value of Rp22.50

(nilai penuh) per saham (full amount) per share

Modal ditempatkan dan

disetor penuh Issued and paid-up capital

388.146.231 saham Seri A, 388,146,231 Series A shares,

8.891.200.000 saham Seri B 8,891,200,000 Series B shares

dan 47.002.644.529 saham Seri D and 47,002,644,529 Series D shares

per 30 September 2012 dan as of September 30, 2012 and

31 Desember 2011 24 3.407.411 3.407.411 December 31, 2011

EKUITAS EQUITY

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konsolidasian.

The accompanying notes form an integral part of these consolidated financial statements.

5

2012 2011

Equity attributable to equity

Ekuitas teratribusi kepada holders of the parent company

pemilik entitas induk (lanjutan) (continued)

Tambahan modal disetor 25 1.828.428 1.828.428 Additional paid-in capital

Selisih kurs penjabaran Differences arising from the translation of

laporan keuangan 2c,28 (8.146) (10.487) foreign currency financial statements

Selisih transaksi antara Differences in transaction between

pemegang saham entitas anak 1b (73.681) (73.681) shareholders of a subsidiary

Kerugian yang belum direalisasi Unrealized losses on

atas perubahan nilai wajar changes in fair value of

investasi keuangan yang available-for-sale financial

tersedia untuk dijual - investments - net

setelah pajak tangguhan 2i (212.746) (243.133) of deferred tax

Cadangan umum 27 143.653 76.757 General reserve

Saldo laba Retained earnings

(Saldo rugi sebesar (Deficit of Rp15,847,851

Rp15.847.851 telah dieliminasi melalui was eliminated as a result of

kuasi-reorganisasi pada tanggal the quasi-reorganization

31 Desember 2003) 2af,53 3.657.705 2.802.779 as of December 31, 2003)

Total ekuitas teratribusi kepada Total attibutable to equity holders

pemilik entitas induk 8.742.624 7.788.074 of the parent company

Kepentingan non-pengendali 43 148.571 165.929 Non-controlling interest

JUMLAH EKUITAS 8.891.195 7.954.003 TOTAL EQUITY

JUMLAH LIABILITAS DAN EKUITAS 105.507.274 94.919.111 TOTAL LIABILITIES AND EQUITY

EKUITAS (lanjutan) EQUITY (continued)

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konsolidasian.

6

30 September/ 30 September/

September 30, September 30,

2012 2011

Catatan/ (Tidak Diaudit/ (Tidak Diaudit/

Notes Unaudited) Unaudited)

PENDAPATAN DAN BEBAN OPERATING INCOME

OPERASIONAL AND EXPENSES

Pendapatan dan beban bunga Interest income and expenses

Pendapatan bunga 2x,30 6.959.440 5.795.910 Interest income

Beban bunga 2x,31 3.011.835 2.789.789 Interest expenses

Pendapatan bunga bersih 3.947.605 3.006.121 Net interest income

Pendapatan/(beban) operasional Other operating income/

lainnya (expenses)

Pendapatan operasional lainnya: Other operating income:

Provisi dan komisi selain Fees and commissions

dari kredit yang diberikan 2y 223.889 211.579 other than from loans

Keuntungan transaksi mata Gains on foreign exchange

uang asing - bersih 2c 204.681 98.368 transactions - net

Keuntungan penjualan efek-efek Gains on sale of trading

yang diperdagangkan dan securities & financial

investasi keuangan - bersih 2h,2i,32 26.013 15.361 investments - net

Pendapatan lainnya 33 1.119.211 1.280.215 Others fee income

Jumlah pendapatan operasional Total other operating

lainnya 1.573.794 1.605.523 income

Beban operasional lainnya: Other operating expenses:

Penyisihan kerugian Allowance for

penurunan nilai atas impairment losses on financial

instrumen keuangan - bersih 2n,34 880.364 875.559 instruments - net

(Pemulihan)/penyisihan kerugian (Reversal)/provision for possible losses

atas aset non-produktif 2n,35 (12.603) 34.575 on non-earning assets

Estimasi kerugian komitmen Estimated losses on

dan kontinjensi - 5.355 commitments and contingencies

Umum dan administrasi 36 1.704.870 1.526.915 General and administrative

Penurunan nilai efek-efek Decrease in value of

yang diperdagangkan - bersih 2h,37 4.794 13.329 trading securities - net

Tenaga kerja 38,45 1.684.046 1.387.446 Personnel

Jumlah beban Total other operating

operasional lainnya 4.261.471 3.843.179 expenses

Beban operasional Other operating expenses -

lainnya - bersih (2.687.677) (2.237.656) net

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konsolidasian.

7

kecuali dinyatakan lain) unless otherwise stated)

2012 2011

PENDAPATAN OPERASIONAL

- BERSIH 1.259.928 768.465 OPERATING INCOME - NET

PENDAPATAN NON- NON-OPERATING

OPERASIONAL - BERSIH 39 22.275 21.966 INCOME - NET

LABA SEBELUM INCOME BEFORE

BEBAN PAJAK 1.282.203 790.431 TAX EXPENSE

BEBAN PAJAK - BERSIH 2z,21b (377.739) (234.275) TAX EXPENSE - NET LABA PERIODE BERJALAN 47b 904.464 556.156 INCOME FOR THE PERIOD

Pendapatan komprehensif Other comprehensive

lainnya: income:

Selisih kurs penjabaran Differences arising from the translation of

laporan keuangan 2.341 2.982 foreign currency financial statements

Keuntungan/(kerugian) yang belum Unrealized gains/(losses)

direalisasi atas perubahan nilai wajar on changes in fair value

investasi keuangan yang of available-for-sale

tersedia untuk dijual 34.051 (154.661) financial investments

Jumlah yang ditransfer ke laba rugi Amounts transferred to profit and loss

sehubungan dengan perubahan nilai wajar in respect of fair value

investasi keuangan yang change of available-for-sale

tersedia untuk dijual 6.350 3.714 financial investments

Pajak penghasilan terkait dengan Income tax relating to

komponen pendapatan components of other

komprehensif lainnya 21c (10.014) 38.250 comprehensive income

Laba/(rugi) komprehensif lainnya - Other comprehensive

bersih setelah pajak 32.728 (109.715) income/(loss) - net of tax

Jumlah laba komprehensif Total comprehensive

selama periode berjalan - income for the

bersih setelah pajak 937.192 446.441 period - net of tax

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konsolidasian.

8

2012 2011

Laba periode berjalan yang Income for the period

dapat diatribusikan kepada: attributable to:

Equity holders of the

Pemilik entitas induk 921.822 555.288 parent company

Kepentingan

non-pengendali 43 (17.358) 868 Non-controlling interest

904.464

556.156

Total laba komprehensif selama Total comprehensive

periode berjalan yang dapat income for the period

diatribusikan kepada: attributable to:

Equity holders of the

Pemilik entitas induk 954.550 445.573 parent company

Kepentingan

non-pengendali 43 (17.358) 868 Non-controlling interest

937.192

446.441

LABA PER SAHAM DASAR BASIC EARNINGS PER SHARE

(nilai penuh) 2aa,40 16 10 (full amount)

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Catatan atas laporan keuangan konsolidasian merupakan bagian yang tidak terpisahkan dari laporan keuangan konsolidasian. The accompanying notes form an integral part of these consolidated financial statements.

9 Kerugian yang belum direalisasi atas

Selisih perubahan nilai wajar

kurs investasi keuangan

penjabaran yang tersedia untuk

laporan Selisih transaksi dijual - setelah pajak

keuangan/ antara pemegang tangguhan/

Tambahan Differences saham Unrealized losses

modal arising from entitas anak/ on changes

Modal disetor/ the translation Differences in in fair value of Saldo Kepentingan

saham/ Additional of foreign transaction between available-for-sale laba/ non-pengendali/

Catatan/ Share paid-in currency financial shareholders financial investments - Cadangan umum/ Retained Jumlah/ Non-controlling Jumlah/

Notes capital capital statements of subsidiary net of deferred tax General reserve earnings Total interest Total

Balance as of January 1, 2012/

Saldo 1 Januari 2012/31 Desember 2011 3.407.411 1.828.428 (10.487) (73.681) (243.133) 76.757 2.802.779 7.788.074 165.929 7.954.003 December 31, 2011

Increase in foreign exchange difference

Kenaikan atas selisih kurs karena penjabaran arising from the translation of

laporan keuangan cabang luar negeri overseas branches' foreign currency

dalam mata uang asing 2c - - 2.341 - - - - 2.341 - 2.341 financial statements

Perubahan kerugian yang belum direalisasi Mutation of unrealized losses on changes

atas perubahan nilai wajar investasi in fair value of available-for-sale

keuangan yang tesedia untuk dijual financial investments - net

- setelah pajak tangguhan 2i - - - - 30.387 - - 30.387 - 30.387 of deferred tax Pembentukan cadangan umum - - - - - 66.896 (66.896) - - - Allocation for general reserve

Bagian kepentingan non-pengendali atas laba bersih Net income of subsidiaries attributable

entitas anak 43 - - - - - - - - (17.358) (17.358) to non-controlling interest Laba bersih periode berjalan - - - - - - 921.822 921.822 - 921.822 Net income for the period Saldo 30 September 2012 3.407.411 1.828.428 (8.146) (73.681) (212.746) 143.653 3.657.705 8.742.624 148.571 8.891.195 Balance as of September 30, 2012

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Catatan atas laporan keuangan konsolidasian merupakan bagian yang tidak terpisahkan dari laporan keuangan konsolidasian. The accompanying notes form an integral part of these consolidated financial statements.

10

kurs investasi keuangan

penjabaran yang tersedia untuk

laporan Selisih transaksi dijual - setelah pajak

keuangan/ antara pemegang tangguhan/

Tambahan Differences saham Unrealized losses

modal arising from entitas anak/ on changes

Modal disetor/ the translation Differences in in fair value of Cadangan Saldo Kepentingan

saham/ Additional of foreign transaction between available-for-sale umum/ laba/ non-pengendali/

Catatan/ Share paid-in currency financial shareholders financial investments - General Retained Jumlah/ Non-controlling Jumlah/

Notes capital capital statements of subsidiary net of deferred tax reserve earnings Total interest Total

Saldo 1 Januari 2011 3.407.411 1.828.428 (18.550) - (198.158) 30.658 2.179.915 7.229.704 229.492 7.459.196 Balance as of January 1, 2011

Increase in foreign exchange difference

Kenaikan atas selisih kurs karena penjabaran arising from the translation of

laporan keuangan cabang luar negeri overseas branches' foreign currency

dalam mata uang asing 2c - - 2.982 - - - - 2.982 - 2.982 financial statements

Selisih transaksi antara pemegang Differences transaction between

entitas anak - - - (73.681) - - - (73.681) - (73.681) shareholders of subsidiary

Perubahan kerugian yang belum direalisasi Mutation of unrealized losses on changes

atas perubahan nilai wajar investasi in fair value of available-for-sale

keuangan yang tesedia untuk dijual financial investments - net

- setelah pajak tangguhan 2i - - - - (112.697) - - (112.697) - (112.697) of deferred tax Pembentukan cadangan umum - - - - - 46.099 (46.099) - - - Allocation for general reserve

Pembayaran dividen tunai kepada Payment for cash dividends

kepentingan non-pengendali - - - - - - - - (13.992) (13.992) to non-controlling interest

Penambahan penyertaan saham Increase in share ownership

dalam entitas anak - - - - - - - - (51.704) (51.704) in subsidiary

Bagian kepentingan non-pengendali atas laba bersih Net income of subsidiaries attributable

entitas anak 43 - - - - - - - - 868 868 to non-controlling interest Laba bersih periode berjalan - - - - - - 555.288 555.288 - 555.288 Net income for the period

Saldo 30 September 2011 3.407.411 1.828.428 (15.568) (73.681) (310.855) 76.757 2.689.104 7.601.596 164.664 7.766.260 Balance as of September 30, 2011

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konsolidasian.

11

2012 2011

ARUS KAS DARI AKTIVITAS CASH FLOWS FROM

OPERASI OPERATING ACTIVITIES

Bunga yang diperoleh 7.063.469 5.947.188 Interest received

Bunga yang dibayar (3.216.355) (2.775.780) Interest paid

Laba transaksi mata uang Gains on foreign currency

asing - bersih 15.524 89.802 transactions - net

Beban umum dan administrasi General and administrative

yang dibayar (1.459.548) (1.412.218) expenses paid

Tenaga kerja dan tunjangan

yang dibayar (1.444.934) (1.218.175) Personnel expenses paid

Pendapatan operasional lainnya Other operating income

yang diterima 1.120.079 1.328.328 received

Pendapatan/(beban) operasional lainnya Other operating revenue/(expenses)

yang diterima/(dibayar) 20.028 (105.771) received/(paid)

Penerimaan dari pendapatan Non-operating

non-operasional - bersih 20.053 718 income received - net

Arus kas dari aktivitas operasi Cash flows from operating

sebelum perubahan aset activities before changes in

dan liabilitas operasi 2.118.316 1.854.092 operating assets and liabilities

(Kenaikan)/penurunan aset (Increase)/decrease in operating

operasi: assets:

Penempatan pada Bank Placements with Bank

Indonesia dan bank lain (81.461) (3.174.006) Indonesia and other banks

Efek-efek yang diperdagangkan (38.582) (256.836) Trading securities

Tagihan atas wesel ekspor 122.991 (368.097) Receivables from export bills

Kredit yang diberikan (8.969.969) (8.277.857) Loans

Piutang pembiayaan

konsumen (439.324) (1.025.157) Consumer financing receivables

Beban dibayar di muka dan Prepayments and other

aset lain-lain (510.662) (470.632) assets

Kenaikan/(penurunan) Increase/(decrease) in

liabilitas operasi: operating liabilities:

Liabilitas segera (261.815) 923.506 Obligations due immediately

Simpanan dari nasabah dan Deposits from customers and

bank lain 9.946.968 8.806.678 other banks

Liabilitas lain-lain (363.121) (330.524) Other liabilities

Kas bersih diperoleh dari/ Net cash provided by/(used in)

(digunakan untuk) aktivitas operasi 1.523.341 (2.318.833) operating activities

INVESTASI INVESTING ACTIVITIES

Penerimaan dari penjualan Proceeds from sale of

aset tetap 13 5.147 3.046 fixed assets

Kas bersih yang dibayar untuk akuisisi Cash paid for acquisition

entitas anak termasuk biaya transaksi - (125.386) of subsidiaries including fee cost

Pembelian efek-efek Purchase of marketable

dan obligasi rekapitalisasi securities and government

pemerintah tersedia recapitalization bonds

untuk dijual (60.735) (517.653) available-for sale

Pembelian aset tetap 13 (125.207) (176.429) Acquisition of fixed assets

Kas bersih digunakan untuk Net cash used in

aktivitas investasi (180.795) (816.422) investing activities

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konsolidasian.

12

2012 2011

PENDANAAN FINANCING ACTIVITIES

Penerimaan surat berharga Proceeds from securities

yang diterbitkan 625.000 5.258.000 issued

Pembagian dividen tunai kepada Distribution of cash dividends

kepentingan non-pengendali - (13.992) to non-controlling interest

Pembelian kembali Repurchase of

efek-efek yang dijual dengan janji securities sold under

dibeli kembali - (349.166) repurchased agreements

Penurunan kepentingan Decrease in non-controlling

non-pengendali (868) (52.572) interest

(Pembayaran)/penerimaan pinjaman diterima (78.570) 1.309.563 (Payment)/proceeds of borrowings

Pelunasan surat berharga Repayments of

yang diterbitkan (694.000) (335.000) securities issued

Kas bersih (digunakan untuk)/diperoleh Net cash (used in)/provided by

dari aktivitas pendanaan (148.438) 5.816.833 financing activities

KENAIKAN BERSIH NET INCREASE IN CASH

KAS DAN SETARA KAS 1.194.108 2.681.578 AND CASH EQUIVALENTS

KAS DAN SETARA KAS CASH AND CASH EQUIVALENTS

AWAL PERIODE 16.504.909 11.364.484 AT BEGINNING OF PERIOD

Pengaruh perubahan kurs mata Effect of foreign currency exchange rate

uang asing 166.883 (33.113) changes

KAS DAN SETARA KAS CASH AND CASH EQUIVALENTS

AKHIR PERIODE 17.865.900 14.012.949 AT END OF PERIOD

PENGUNGKAPAN TAMBAHAN SUPPLEMENTARY DISCLOSURES

Cash and cash equivalents

Kas dan setara kas terdiri dari: consist of:

Kas 3 1.551.327 1.404.728 Cash

Giro pada Bank Indonesia 4 7.103.348 6.037.307 Current accounts with Bank Indonesia

Giro pada bank lain 5 698.267 996.336 Current accounts with other banks

Penempatan pada Placements with

Bank Indonesia dan Bank Indonesia and

bank lain yang jatuh other banks that will mature

tempo dalam 3 bulan within 3 months from

dari tanggal akuisisi 8.512.958 5.574.578 the date of acquisition

Jumlah kas dan setara kas 17.865.900 14.012.949 Total cash and cash equivalents

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1. UMUM a. Pendirian

1. GENERAL

a. Establishment PT Bank Internasional Indonesia Tbk (“Bank”)

adalah perusahaan terbatas yang didirikan di Republik Indonesia pada tahun 1959, berdasarkan akta No. 53 tanggal 15 Mei 1959 dari notaris pengganti Soeleman Ardjasasmita, S.H. Akta telah diubah dengan akta No. 9 tanggal 4 Agustus 1959 dan No. 21 tanggal 6 Oktober 1959 dari notaris Eliza Pondaag, S.H. di Jakarta. Akta pendirian ini telah mendapat pengesahan dari Menteri Kehakiman Republik Indonesia melalui Surat Keputusannya No. J.A.5/112/18 tanggal 2 November 1959 dan telah didaftarkan ke Kantor Pengadilan Negeri Jakarta dengan No. 2116 tanggal 5 November 1959.

PT Bank Internasional Indonesia Tbk (the

“Bank”) is a limited liability company established in the Republic of Indonesia in 1959 by virtue of notarial deed No. 53 dated May 15, 1959 of substitute Notary Soeleman Ardjasasmita, S.H. The deed was subsequently amended by notarial deeds No. 9 dated August 4, 1959 and No. 21 dated October 6, 1959 of Notary Eliza Pondaag, S.H., in Jakarta. The deed of establishment was approved by the Minister of Justice of the Republic of Indonesia in his Decision Letter No. J.A.5/112/18 dated November 2, 1959 and was registered in the Jakarta Court of Justice under registration No. 2116 dated November 5, 1959.

Pada tanggal 31 Maret 1980 Bank melakukan penggabungan usaha (merger) dengan PT Bank Tabungan Untuk Umum 1859, Surabaya. Keputusan merger ini dituangkan dalam akta notaris Arianny Lamoen Redjo, S.H. No. 17 tanggal 31 Maret 1980.

On March 31, 1980, the Bank merged with PT Bank Tabungan Untuk Umum 1859, Surabaya by virtue of notarial deed No. 17 dated March 31, 1980 of Notary Arianny Lamoen Redjo, S.H.

Sesuai dengan Surat Keputusan Direksi Bank Indonesia No. 21/11/Dir/UPPS tanggal 9 November 1988, Bank memperoleh peningkatan status menjadi Bank Devisa.

Pada tanggal 5 September 2002, dengan akta No. 16 dari Notaris Fathiah Helmi, S.H. yang telah mendapat persetujuan Menteri Hukum dan Hak Asasi Manusia Republik Indonesia melalui Surat Keputusannya No. C-19589.HT.01.04.TH.2002 tanggal 10 Oktober 2002, Bank menambah aktivitas perbankan Syariah dalam aktivitas komersial Bank. Bank mulai melakukan kegiatan berdasarkan prinsip Syariah tersebut sejak bulan Mei 2003.

Pursuant to Directors of Bank Indonesia Decree No. 21/11/Dir/UPPS dated November 9, 1988, the Bank obtained an approval to upgrade its status to a foreign exchange bank. On September 5, 2002, by virtue of notarial deed No. 16 of Notary Fathiah Helmi, S.H., and approval by the Minister of Justice and Human Rights of the Republic of Indonesia in his Decision Letter

No. C-19589.HT.01.04.TH.2002 dated October 10, 2002, the Bank added banking activities based on Sharia principles in its commercial activities. The Bank commenced its Sharia banking activities since May 2003.

Pada tanggal 7 April 2009, Bank menyelenggarakan Rapat Umum Pemegang Saham Luar Biasa yang menyetujui untuk mengubah Anggaran Dasar Perseroan sehubungan dengan pengkonversian saham Seri C ke saham Seri B serta mengubah beberapa pasal Anggaran Dasar untuk disesuaikan dengan Peraturan Badan Pengawas Pasar Modal No. IX.J.1 tanggal 14 Mei 2008. Perubahan ini didokumentasikan dalam akta No. 6 dari notaris Engawati Gazali, S.H., tanggal 7 April 2009 dan telah disetujui oleh Menteri Hukum dan Hak Asasi Manusia Republik Indonesia melalui Surat No. AHU-AH.01.10-05099 tanggal 1 Mei 2009.

On April 7, 2009, the Bank held a Shareholders‟ Extraordinary General Meeting whereby the shareholders agreed to amend the Articles of Association relating to conversion of Series C shares to Series B shares and to amend certain articles in the Articles of Association to comply with the Capital Market Supervisory Board Regulation No. IX.J.1 dated May 14, 2008. This amendment was notarized by notary Engawati Gazali, S.H., in notarial deed No. 6 dated April 7, 2009 and was approved by the Minister of Laws and Human Rights of the Republic of Indonesia through letter No. AHU-AH.01.10-05099 dated May 1, 2009.

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14

a. Pendirian (lanjutan) a. Establishment (continued) Pada tahun 2008, Anggaran Dasar Bank

telah mengalami dua kali perubahan.

Perubahan pertama dalam rangka penyesuaian dengan Undang-undang No. 40 Tahun 2007 tentang Perseroan Terbatas dan peraturan pelaksanaannya. Perubahan ini didokumentasikan dalam akta No. 10 dari notaris Engawati Gazali, S.H., tanggal 16 Juli 2008 dan telah disetujui oleh Menteri Hukum dan Hak Asasi Manusia Republik Indonesia melalui Surat No. AHU-56218.

AH.01.02.Tahun.2008 tanggal 28 Agustus 2008.

In 2008, the Bank‟s Articles of Association have been amended twice. The first amendment was to accommodate the Law No. 40 Year 2007 regarding Limited Liability Company and its implementation regulations.

This amendment was notarized by notary Engawati Gazali, S.H., in notarial deed No. 10 dated July 16, 2008 and was approved by the Minister of Laws and Human Rights of the Republic of Indonesia through letter No. AHU-56218.AH.01.02.Year.2008 dated August 28, 2008.

Pada tanggal 1 Desember 2008 Bank menyelenggarakan Rapat Umum Pemegang Saham Luar Biasa yang menyetujui untuk mengubah pasal 4 ayat 1 dan pasal 4 ayat 2 Anggaran Dasar Perseroan sehubungan dengan modal dan modal dasar yang telah ditempatkan dan disetor penuh. Keputusan ini didokumentasikan dalam surat No. 600/ZXI02/

XII/2008 notaris Ny. Poerbaningsih Adi Warsito, S.H., tanggal 1 Desember 2008 dan telah disetujui oleh Menteri Hukum dan Hak Asasi Manusia Republik Indonesia melalui Surat No. AHU-0008676.AH.01.09.Tahun 2009 tanggal 12 Maret 2009.

On December 1, 2008, the Bank held a Shareholders‟ Extraordinary General Meeting whereby the shareholders agreed to amend the Articles of Association article 4(1) and 4(2) relating to authorized capital and issued and paid-up capital. The decision was notarized by notary Ny. Poerbaningsih Adi Warsito, S.H., in her letter No. 600/ZXI02/XII/2008 dated December 1, 2008 and was approved by the Minister of Laws and Human Rights of the Republic of Indonesia through letter No. AHU-0008676.AH.01.09.Year 2009 dated March 12, 2009.

Bank menjalankan kegiatan usaha di bidang perbankan sesuai dengan undang-undang dan peraturan yang berlaku dan melakukan kegiatan perbankan lainnya berdasarkan prinsip Syariah.

The Bank is engaged in general banking services in accordance with the prevailing laws and regulations and in other banking activities based on Sharia principles.

Kantor pusat Bank beralamat di Sentral Senayan (SS) III, Jalan Asia Afrika No. 8, Gelora Bung Karno - Senayan, Jakarta. Bank memiliki 1 kantor pusat, 77 kantor cabang, 301 kantor cabang pembantu, 5 kantor kas, 5 kantor cabang Syariah, dan 1 kantor cabang pembantu Syariah per 30 September 2012 (31 Desember 2011: 1 kantor pusat, 75 kantor cabang, 268 kantor cabang pembantu, 2 kantor kas dan 5 kantor cabang Syariah).

Jumlah karyawan tetap Bank per 30 September 2012 dan 31 Desember 2011, adalah masing-masing 7.295 dan 6.963 karyawan.

The Bank‟s head office is located at Sentral Senayan (SS) III, Jalan Asia Afrika No. 8, Gelora Bung Karno - Senayan, Jakarta. The Bank has 1 head office, 77 branches, 301 sub-branches, 5 cash offices, 5 Sharia branches and 1 Sharia sub-branch as of September 30, 2012 (December 31, 2011: 1

head office,

75 branches, 268 sub-branches, 2 cash offices and 5 Sharia branches). The Bank had 7,295 and 6,963 permanent employees as of September 30, 2012 and December 31, 2011, respectively.

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15 1. UMUM (lanjutan)

a. Pendirian (lanjutan)

1. GENERAL (continued)

a. Establishment (continued) Pada bulan Mei 1999, sebagai bagian dari

Program Rekapitulasi Perbankan Nasional, Pemerintah Indonesia melakukan penyertaan modal pada Bank sebesar Rp8.714.000. Pada bulan Januari 2000, Bank mengembalikan dana rekapitalisasi sebesar Rp2.086.425 kepada Pemerintah Indonesia, sehingga jumlah penyertaan modal Pemerintah Indonesia pada Bank adalah sebesar Rp6.627.575.

In May 1999, as part of the National Banking Recapitalization Program, the Indonesian Government made a capital investment in the Bank of Rp8,714,000. In January 2000, the Bank refunded to the Indonesian Government the excess of the recapitalization fund of approximately Rp2,086,425 hence, the outstanding capital investment of the Indonesian Government in the Bank was Rp6,627,575.

Pada bulan Juli 2001, Bank Indonesia menetapkan Bank sebagai bank dalam penyehatan dan menyerahkan Bank kepada Badan Penyehatan Perbankan Nasional (BPPN). Dengan membaiknya kondisi Bank, pada bulan Maret 2004, Gubernur Bank Indonesia mencabut status Bank sebagai bank dalam penyehatan dan menerima kembali Bank dari BPPN.

In July 2001, Bank Indonesia placed the Bank as bank under surveillance and transferred the Bank to the Indonesian Bank Restructuring Agency (IBRA). As the Bank‟s condition had improved, in March 2004, the Governor of Bank Indonesia revoked the Bank‟s status as bank under surveillance and released the Bank from IBRA.

Pada tanggal 2 April 2002, Rapat Umum Pemegang Saham Luar Biasa menyetujui perubahan modal dasar Bank dengan menambah seri saham yaitu saham Seri D dengan nilai nominal Rp5 (nilai penuh) per saham sehingga jumlah modal dasar Bank sebesar Rp38.000.000 terdiri dari 3.881.462.307 saham Seri A dengan nilai nominal Rp500 (nilai penuh) per saham;

40.856.044.855 saham Seri B dengan nilai nominal Rp125 (nilai penuh) per saham;

52.595.515.440 saham Seri C dengan nilai nominal Rp125 (nilai penuh) per saham; dan 4.875.564.761.925 saham Seri D dengan nilai nominal Rp5 (nilai penuh) per saham. Risalah Rapat Umum Pemegang Saham Luar Biasa ini telah didokumentasikan dalam akta No. 2 dari Notaris Fathiah Helmi, S.H. tanggal 2 April 2002 dan telah dicatat oleh Menteri Hukum dan Hak Asasi Manusia Republik Indonesia sebagaimana termuat dalam Penerimaan Laporan Akta Perubahan Anggaran Dasar Bank No. C-05634.HT.01.04.TH.2002 tanggal 5 April 2002 dan telah didaftarkan ke Kantor Pendaftaran Perusahaan Departemen Perindustrian dan Perdagangan Jakarta Pusat No. 3698/RUB.09.05/IV/2002 tanggal 18 April 2002.

On April 2, 2002, based on the Bank‟s Shareholders‟ Extraordinary General Meeting, the shareholders approved the change in the authorized share capital by adding Series D shares with a par value of Rp5 (full amount) per share. Thus, the authorized share capital amounted to Rp38,000,000 which consisted of 3,881,462,307 Series A shares with a par value of Rp500 (full amount) per share;

40,856,044,855 Series B shares with a par value of Rp125 (full amount) per share;

52,595,515,440 Series C shares with a par value of Rp125 (full amount) per share; and 4,875,564,761,925 Series D shares with a par value of Rp5 (full amount) per share. The minutes of this Shareholders‟ Extraordinary General Meeting were documented in Notarial Deed No. 2 of Notary Fathiah Helmi, S.H., dated April 2, 2002 and were recorded by the Minister of Justice and Human Rights of the Republic of Indonesia in “Receipt of Report on the change in the Bank‟s Articles of Association” No. C-05634.HT.01.04.TH.2002 dated April 5, 2002, and registered with the Registration Office of the Department of Trade and Industry Central Jakarta No. 3698/

RUB.09.05/IV/2002 dated April 18, 2002.