PT BANK PERMATA Tbk DAN ENTITAS ANAK/AND ITS SUBSIDIARY

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PT BANK PERMATA Tbk

DAN ENTITAS ANAK/AND ITS SUBSIDIARY

LAPORAN KEUANGAN KONSOLIDASIAN INTERIM/

CONSOLIDATED INTERIM FINANCIAL STATEMENTS

31 MARET 2017, 31 DESEMBER 2016, DAN PERIODE TIGA BULAN BERAKHIR 31 MARET 2017 DAN 2016/

31 MARCH 2017, 31 DECEMBER 2016, AND THREE-MONTH PERIODS

ENDED 31 MARCH 2017 AND 2016

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PT BANK PERMATA Tbk

DAN ENTITAS ANAK/ AND ITS SUBSIDIARY

ISI

HAL/

PAGE CONTENTS

SURAT PERNYATAAN DIREKSI THE DIRECTORS‘ STATEMENT

LAPORAN POSISI KEUANGAN KONSOLIDASIAN 31 MARET 2017 DAN

31 DESEMBER 2016 --- 1 - 4

CONSOLIDATED STATEMENTS OF FINANCIAL POSITION

31 MARCH 2017 AND --- 31 DECEMBER 2016

LAPORAN LABA RUGI DAN PENGHASILAN KOMPREHENSIF LAIN

KONSOLIDASIAN

PERIODE TIGA BULAN BERAKHIR

31 MARET 2017 DAN 2016 --- 5 - 6

CONSOLIDATED STATEMENTS OF PROFIT OR LOSS AND OTHER

COMPREHENSIVE INCOME THREE-MONTH PERIODS ENDED --- 31 MARCH 2017 AND 2016

LAPORAN PERUBAHAN EKUITAS KONSOLIDASIAN

31 MARET 2017 DAN 2016 --- 7 - 8

CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY THREE-MONTH PERIODS ENDED --- 31 MARCH 2017 AND 2016

LAPORAN ARUS KAS KONSOLIDASIAN

31 MARET 2017 DAN 2016 --- 9 - 10

CONSOLIDATED STATEMENTS OF CASH FLOWS THREE-MONTH PERIODS ENDED --- 31 MARCH 2017 AND 2016

CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN INTERIM

31 MARET 2017, 31 DESEMBER 2016 DAN PERIODE TIGA BULAN BERAKHIR

31 MARET 2017 DAN 2016 --- 11 - 195

NOTES TO THE CONSOLIDATED INTERIM FINANCIAL STATEMENTS 31 MARCH 2017, 31 DECEMBER 2016 AND

THREE-MONTH PERIODS ENDED --- 31 MARCH 2017 AND 2016

LAPORAN AUDITOR INDEPENDEN INDEPENDENT AUDITORS’ REPORT

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Financial statement captions and notes have been translated to English for convenience only.

* Diaudit Audited *

1 PT BANK PERMATA Tbk

DAN ENTITAS ANAK LAPORAN POSISI KEUANGAN

KONSOLIDASIAN

31 Maret 2017 dan 31 Desember 2016*

(Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan secara khusus)

PT BANK PERMATA Tbk AND ITS SUBSIDIARY CONSOLIDATED STATEMENTS OF

FINANCIAL POSITION 31 March 2017 and 31 December 2016*

(Expressed in millions of Rupiah, unless otherwise stated)

Catatan/

Notes

31 Maret 2017/

31 March 2017

31 Desember 2016/

31 December 2016*

ASET ASSETS

KAS

2b,2h,5,

40,43 1.951.107 2.070.557 CASH

GIRO PADA BANK INDONESIA

2b,2h,2i,6,

40,43 10.974.115 10.541.849

CURRENT ACCOUNTS WITH BANK INDONESIA

GIRO PADA BANK-BANK LAIN - setelah dikurangi cadangan kerugian penurunan nilai sebesar Rp152 pada 31 Maret 2017 dan Rp155 pada 31 Desember 2016

2b,2g,2h, 2i,2u,7, 40,42,43

CURRENT ACCOUNTS WITH OTHER BANKS - net of allowance for impairment losses of Rp152 at 31 March 2017 and Rp155 at 31 December 2016

Pihak ketiga 945.842 1.131.211 Third parties

Pihak berelasi 872.390 737.977 Related parties

PENEMPATAN PADA BANK

INDONESIA DAN BANK-BANK LAIN - setelah dikurangi cadangan kerugian penurunan nilai sebesar Rp509 pada 31 Maret 2017 dan Rp1.440 pada 31 Desember 2016

2b,2h,2j, 2u,2v,8, 40,43

PLACEMENTS WITH BANK INDONESIA AND OTHER BANKS - net of allowance for impairment losses of

Rp509 at 31 March 2017 and Rp1,440 at 31 December 2016

Pihak ketiga 7.858.696 8.045.662 Third parties

ASET KEUANGAN UNTUK DIPERDAGANGKAN

2g,2h,2k,9, 40,42,43

FINANCIAL ASSETS HELD FOR TRADING

Pihak ketiga 987.584 1.879.074 Third parties

Pihak berelasi 354 474 Related parties

EFEK-EFEK YANG DIBELI DENGAN JANJI DIJUAL KEMBALI

2h,2l,2u,10, 40

SECURITIES PURCHASED UNDER RESALE AGREEMENTS

Pihak ketiga 8.181.026 3.227.881 Third parties

TAGIHAN AKSEPTASI - setelah dikurangi cadangan kerugian penurunan nilai sebesar Rp91.169 pada 31 Maret 2017 dan Rp89.280 pada 31 Desember 2016

2g,2h,2m, 2u,11,40, 42,43

ACCEPTANCE RECEIVABLES - net of allowance for impairment losses

of Rp91,169 at 31 March 2017 and Rp89,280 at 31 December 2016

Pihak berelasi 2.155 - Related parties

KREDIT YANG DIBERIKAN - setelah dikurangi cadangan kerugian penurunan nilai sebesar Rp8.384.254 pada 31 Maret 2017 dan Rp11.589.792 pada 31 Desember 2016

2g,2h,2n, 2u,2v,12, 40,42,

43

LOANS - net of allowance for impairment losses of Rp8,384,254 at 31 March 2017 and

Rp11,589,792 at 31 December 2016

Pihak berelasi 255.534 246.343 Related parties

Dipindahkan 123.608.223 126.310.792 Carried forward

Catatan atas laporan keuangan konsolidasian merupakan bagian yang tidak terpisahkan dari laporan keuangan konsolidasian secara keseluruhan.

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

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* Diaudit Audited *

KONSOLIDASIAN

Catatan/

Notes

31 Maret 2017/

31 March 2017

31 Desember 2016/

31 December 2016*

ASET (lanjutan) ASSETS (continued)

Pindahan 123.608.223 126.310.792 Brought forward

EFEK-EFEK UNTUK TUJUAN

INVESTASI - setelah dikurangi cadangan kerugian penurunan nilai sebesar Rp214 pada 31 Maret 2017 dan Rp433 pada 31 Desember 2016

2g,2h, 2o,2u,2v, 13,40,42,

43

INVESTMENT SECURITIES - net of allowance for impairment losses of

Rp214 at 31 March 2017 and Rp433 at 31 December 2016

Pihak berelasi 233 - Related party

INVESTASI PADA ENTITAS ASOSIASI

2g,2p,14,

42 INVESTMENT IN ASSOCIATE

Pihak berelasi 2.523.689 2.488.861 Related party

ASET TETAP - setelah dikurangi akumulasi

penyusutan sebesar Rp716.175 pada 31 Maret 2017 dan Rp664.926 pada 31 Desember 2016

2q,2u,15

2.528.109 2.554.424

PREMISES AND EQUIPMENT - net of accumulated depreciation of Rp716,175

at 31 March 2017 and Rp664,926 at 31 December 2016

ASET TAKBERWUJUD - setelah dikurangi akumulasi kerugian penurunan nilai sebesar Rp10.495 pada 31 Maret 2017 dan 31 Desember 2016 dan akumulasi amortisasi sebesar Rp358.545 pada 31 Maret 2017 dan Rp345.752 pada 31 Desember 2016

2r,2u,16

405.582 412.980

INTANGIBLE ASSETS - net of accumulated impairment losses of Rp10,495

at 31 March 2017 and 31 December 2016 and accumulated amortization of Rp358,545

at 31 March 2017 and Rp345,752 at 31 December 2016

ASET PAJAK TANGGUHAN - bersih 2s,23 2.489.763 2.650.768 DEFERRED TAX ASSETS - net

ASET LAIN-LAIN - bersih

2h,2t,2u,

17,40,43 5.215.462 3.707.862 OTHER ASSETS - net

JUMLAH ASET 164.692.791 165.527.512 TOTAL ASSETS

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

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* Diaudit Audited *

KONSOLIDASIAN

Catatan/

Notes

31 Maret 2017/

31 March 2017

31 Desember 2016/

31 December 2016*

LIABILITAS DAN EKUITAS LIABILITIES AND EQUITY

LIABILITAS LIABILITIES

LIABILITAS SEGERA

2h,18,40,

43 1.498.946 607.930 LIABILITIES PAYABLE ON DEMAND

SIMPANAN DARI NASABAH DEPOSITS FROM CUSTOMERS

Giro 2g,2h,2w, Demand deposits

Pihak ketiga 19,40,42, 26.445.186 26.826.980 Third parties

Pihak berelasi 43 4.212.801 4.507.304 Related parties

Tabungan 2g,2h,2w, Savings

Pihak berelasi 43 299.144 374.878 Related parties

Deposito berjangka 2g,2h,2w, Time deposits

Pihak ketiga 21, 40,42, 59.812.616 62.593.066 Third parties

SIMPANAN DARI BANK-BANK LAIN 2g,2h,2w, DEPOSITS FROM OTHER BANKS

LIABILITAS KEUANGAN UNTUK

DIPERDAGANGKAN

2g,2h,2k,9, 40,42,43

FINANCIAL LIABILITIES HELD FOR TRADING

Pihak ketiga 11.975 45.086 Third parties

Pihak berelasi 270 568 Related parties

UTANG AKSEPTASI 2g,2h,2m, ACCEPTANCE PAYABLES

BEBAN MASIH HARUS DIBAYAR 2g,42,43 1.272.051 1.177.535 ACCRUALS

LIABILITAS LAIN-LAIN 2ad,43 1.574.636 752.498 OTHER LIABILITIES

LIABILITAS IMBALAN PASCA-KERJA

2g,2x,

24,42 47.580 61.774

OBLIGATION FOR POST- EMPLOYMENT BENEFITS

PROVISI 2y,25 111.662 111.484 PROVISIONS

UTANG SUBORDINASI 2g,2h,2z, SUBORDINATED DEBTS

JUMLAH LIABILITAS 144.920.244 146.237.906 TOTAL LIABILITIES

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* Diaudit Audited *

KONSOLIDASIAN

31 Maret 2017 dan 31 Desember 2016 (Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan secara khusus)

FINANCIAL POSITION 31 March 2017 and 31 December 2016

Catatan/

Notes

31 Maret 2017/

31 March 2017

31 Desember 2016/

31 December 2016*

LIABILITAS DAN EKUITAS (lanjutan) LIABILITIES AND EQUITY (continued)

EKUITAS EQUITY

Ekuitas yang dapat diatribusikan kepada pemilik entitas induk

Equity attributable to equity holders of the parent entity Modal saham - nilai nominal per saham

Rp12.500 (Rupiah penuh) untuk saham kelas A dan Rp125 (Rupiah penuh) untuk saham kelas B

Share capital - par value per share of Rp12,500 (whole Rupiah) for

class A shares and Rp125 (whole Rupiah) for class B shares Modal dasar - 26.880.234 saham kelas A

dan 42.111.976.600 saham kelas B

Authorized capital -

26,880,234 class A shares and 42,111,976,600 class B shares Modal ditempatkan dan disetor penuh:

26.880.234 saham kelas A dan 22.313.049.821 saham kelas B

1b,1c,1d, 2aa,27

3.125.134 3.125.134)

Issued and fully paid-up capital: 26,880,234 class A shares and

22,313,049,821 class B shares

Tambahan modal disetor - bersih

1b,1c,1d, 1e,2aa,

2ab, 28 14.970.302 14.970.302) Additional paid-in capital - net

Modal dibayar dimuka 29 1.500.000 1.500.000) Advanced capital

Cadangan nilai wajar - bersih 2o,13 30.335 (23.665) Fair value reserve - net

Bagian atas penghasilan komprehensif lain dari entitas asosiasi

2p,14

(18.423) 5.284)

Share of other comprehensive income of associate Cadangan dividen yang belum diambil

pemegang saham 128 128)

Appropriation for unclaimed dividend by shareholders

Cadangan revaluasi aset tetap 2q,15 1.693.735 1.693.735) Premises and equipment revaluation reserve

Saldo (defisit) laba (Deficit) retained earnings

Telah ditentukan penggunaannya 30 363.624 363.624) Appropriated

Belum ditentukan penggunaannya (1.892.297) (2.344.945) Unappropriated

19.772.538 19.289.597)

Kepentingan nonpengendali 2f 9 9) Non-controlling interests

JUMLAH EKUITAS 19.772.547 19.289.606) TOTAL EQUITY

JUMLAH LIABILITAS DAN EKUITAS 164.692.791 165.527.512) TOTAL LIABILITIES AND EQUITY

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PT BANK PERMATA Tbk DAN ENTITAS ANAK

LAPORAN LABA RUGI DAN PENGHASILAN KOMPREHENSIF LAIN KONSOLIDASIAN

Periode Tiga Bulan Berakhir 31 Maret 2017 dan 2016 (Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan secara khusus)

PT BANK PERMATA Tbk AND ITS SUBSIDIARY

CONSOLIDATED STATEMENTS OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME

Three-Month Periods Ended 31 March 2017 and 2016 (Expressed in millions of Rupiah,

unless otherwise stated)

Catatan/

Periode Tiga Bulan Berakhir 31 Maret/

Three-Month Periods Ended 31 March

Notes 2017 2016

PENDAPATAN DAN BEBAN

OPERASIONAL OPERATING INCOME AND EXPENSES H

Pendapatan bunga

2g,2h,2ac,31

,42 2.680.683 3.441.518 Interest income

Pendapatan syariah 2g,2ac,31,42 339.636 349.666 Sharia income

Beban bunga 2g,2h,2ac,32

,42 (1.660.519) (2.157.130)

Interest expense

Beban syariah 2g,2ac,32,42 (134.885) (160.299) Sharia expense

Pendapatan bunga dan syariah bersih 1.224.915 1.473.755 Net interest and sharia income

Pendapatan provisi dan komisi 2g,2ad,33,42 344.184 323.387 Fees and commission income

Beban provisi dan komisi 2ad,33 (12.623) (12.110) Fees and commission expense

Pendapatan provisi dan komisi - bersih 331.561 311.277 Net fees and commission income

Pendapatan transaksi perdagangan -

bersih 2h,2k,2ae,34 88.301 195.257 Net trading income

Keuntungan penjualan efek-efek untuk tujuan investasi

2o,13

16.010 34.051

Gain on sale of investment securities Bagian atas laba bersih dari entitas

asosiasi 2g,2p,14,42 58.535 53.790

Share of net profit of associate Pendapatan operasional lainnya

2e,2q,2t,

2y, 12,15,38 659.192 52.900 Other operating income

822.038 335.998

Jumlah pendapatan operasional 2.378.514 2.121.030 Total operating income

Kerugian penurunan nilai aset keuangan 2u,2v,35 (669.863) (1.543.952) Impairment losses on financial assets

Beban operasional lainnya Other operating expenses

Umum dan administrasi

2g,2q,2r,2ah,

15,16,36,42 (453.978) (432.165) General and administrative

Gaji dan tunjangan pengurus dan karyawan

2g,2x,24,37,

42 (565.087) (560.700)

Salaries and benefits to management and employees Lain-lain

2e,2q,2t,2u,

2y,38 (93.744) (92.032) Others

Jumlah beban operasional lainnya (1.112.809) (1.084.897) Total other operating expenses

Jumlah beban operasional (1.782.672) (2.628.849) Total operating expenses

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6

PT BANK PERMATA Tbk DAN ENTITAS ANAK

LAPORAN LABA RUGI DAN PENGHASILAN KOMPREHENSIF LAIN KONSOLIDASIAN

Periode Tiga Bulan Berakhir 31 Maret 2017 dan 2016 (Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan secara khusus)

CONSOLIDATED STATEMENTS OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME

Three-Month Periods Ended 31 March 2017 and 2016 (Expressed in millions of Rupiah,

unless otherwise stated) Catatan/

Notes 2017 2016

LABA (RUGI) SEBELUM PAJAK

PENGHASILAN 595.842 (507.819) INCOME (LOSS) BEFORE TAX

(BEBAN) MANFAAT PAJAK PENGHASILAN

2s,23 INCOME TAX (EXPENSE) BENEFIT

Kini (189) (1.438) Current

Tangguhan (143.005) 133.006 Deferred

(143.194) 131.568

LABA (RUGI) BERSIH 452.648 (376.251) NET INCOME (LOSS)

PENGHASILAN KOMPREHENSIF LAIN, SETELAH PAJAK PENGHASILAN:

OTHER COMPREHENSIVE INCOME, NET OF INCOME TAX:

Pos-pos yang akan direklasifikasi ke laba rugi

Items that would be reclassified to profit or loss Aset keuangan tersedia untuk dijual

dan investasi pada Sukuk dan SPNS yang diukur pada nilai wajar melalui penghasilan komprehensif lain:

2o,13 Available-for-sale financial assets and

investment in Sukuk and SPNS measured at fair value through other comprehensive income:

Perubahan nilai wajar bersih 88.010 154.995 Net change in fair value

Perubahan nilai wajar yang ditransfer ke laba rugi pada saat

penjualan - bersih (16.010) (34.051) Fair value changes transferred to

profit or loss on disposal - net Bagian atas penghasilan komprehensif

lain entitas asosiasi, setelah pajak 2p,14 (23.535) (32.642) Share of other comprehensive income of associate, net of tax Pajak penghasilan terkait pos-pos yang

akan direklasifikasikan ke laba rugi (18.000) (30.236) Income tax related to items that would be reclassified to profit or lossxx

30.465 58.066

Pos-pos yang tidak akan direklasifikasi ke laba rugi

Items that would never be reclassified to profit or loss Bagian atas penghasilan komprehensif

lain entitas asosiasi, setelah pajak 2p,14 (172) 95 Share of other comprehensive income of associate, net of tax PENGHASILAN KOMPREHENSIF LAIN,

SETELAH PAJAK PENGHASILAN 30.293 58.161 OTHER COMPREHENSIVE

INCOME, NET OF INCOME TAX JUMLAH LABA (RUGI)

KOMPREHENSIF 482.941 (318.090) TOTAL COMPREHENSIVE

INCOME (LOSS) LABA (RUGI) BERSIH YANG DAPAT

DIATRIBUSIKAN KEPADA: NET INCOME (LOSS)

ATTRIBUTABLE TO:

Pemilik entitas induk 452.648 (376.251) Equity holders of the parent entity

Kepentingan nonpengendali - - Non-controlling interests

452.648 (376.251)

LABA (RUGI) KOMPREHENSIF YANG DAPAT DIATRIBUSIKAN KEPADA:

COMPREHENSIVE INCOME (LOSS) ATTRIBUTABLE TO:

Pemilik entitas induk 482.941 (318.090) Equity holders of the parent entity

Kepentingan nonpengendali - - Non-controlling interests

482.941 (318.090) LABA (RUGI) BERSIH PER SAHAM

DASAR DAN DILUSIAN YANG DAPAT DIATRIBUSIKAN KEPADA PEMILIK ENTITAS INDUK (Rupiah penuh)

2af,39

38 (32)

BASIC AND DILUTED EARNINGS (LOSS) PER SHARE ATTRIBUTABLE TO EQUITY HOLDERS OF THE PARENT ENTITY (whole Rupiah)

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Financial statement captions and notes have been translated to English for convenience only.

7 PT BANK PERMATA Tbk DAN ENTITAS ANAK

LAPORAN PERUBAHAN EKUITAS KONSOLIDASIAN Periode Tiga Bulan Berakhir 31 Maret 2017 dan 2016 (Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan secara khusus)

PT BANK PERMATA Tbk AND ITS SUBSIDIARY CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY

Three-Month Periods Ended 31 March 2017 and 2016 (Expressed in millions of Rupiah, unless otherwise stated)

31 Maret 2017/31 March 2017

Dapat Diatribusikan kepada Pemilik Entitas Induk/Attributable to Equity Holders of the Parent Entity Bagian atas Cadangan

Penghasilan Dividen Yang Komprehensif Belum

Modal Tambahan Lain Diambil

Ditempatkan Modal Entitas Pemegang Cadangan

Dan Disetor- Asosiasi/ Saham/ Revaluasi

Disetor Bersih/ Modal Cadangan Share of Appropriation Aset Tetap/ Saldo (Defisit) Laba/ Kepentingan

Penuh/ Additional Dibayar Nilai Wajar - Other for Premises and (Deficit) Retained Earnings Nonpengendali/ Jumlah

Issued and Paid-In Dimuka/ Bersih/ Comprehensive Unclaimed Equipment Belum Non- Ekuitas/

Catatan/ Fully Paid-Up Capital - Advanced Fair Value Income of Dividend by Revaluation Dicadangkan/ Dicadangkan/ Jumlah/ Controlling Total

Notes Capital Net Capital Reserve - Net Associate Shareholders Reserve Appropriated Unappropriated¹⁾ Total Interests Equity

Saldo, 1 Januari 2017 3.125.134 14.970.302 1.500.000 (23.665) 5.284 128 1.693.735 363.624 (2.344.945) 19.289.597 9 19.289.606) Balance, 1 January 2017

Setoran modal dibayar dimuka 30 Advanced capital payment

Penghasilan komprehensif periode berjalan:

Comprehensive income for the period:…

Laba bersih - - - - - - - - 452.648 452.648 - 452.648 Net income:...

Penghasilan komprehensif lain, setelah pajak penghasilan:

Other comprehensive income, net of income tax:i Cadangan nilai wajar -

bersih: 2o,13

Fair value reserve - net:

Perubahan nilai wajar

bersih - - - 66.007 - - - - - 66.007 - 66.007

Net changes in fair value Perubahan nilai wajar

yang ditransfer ke laporan laba rugi pada saat penjualan

- bersih - - - (12.007) - - - - - (12.007) - (12.007)

Fair value changes transferred to profit or loss

on disposal - net Bagian atas penghasilan

komprehensif lain dari

entitas asosiasi 2p,14 - - - - (23.707) - - - - (23.707) - (23.707)

Share of other comprehensive income

of associate

Saldo, 31 Maret 2017 3.125.134 14.970.302 1.500.000 30.335 (18.423) 128 1.693.735 363.624 (1.892.297) 19.772.538 9 19.772.547

Balance, 31 March 2017

1) Termasuk dalam Saldo (Defisit) Laba adalah pengukuran kembali atas liabilitas imbalan pasti - bersih ¹⁾ Included in (Deficit) Retained Earnings are remeasurements of defined benefit liabilities - net

Catatan atas laporan keuangan konsolidasian terlampir merupakan bagian yang tidak terpisahkan dari laporan keuangan konsolidasian secara keseluruhan.

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

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Financial statement captions and notes have been translated to English for convenience only.

8 PT BANK PERMATA Tbk DAN ENTITAS ANAK

LAPORAN PERUBAHAN EKUITAS KONSOLIDASIAN Periode Tiga Bulan Berakhir 31 Maret 2017 dan 2016 (Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan secara khusus)

PT BANK PERMATA Tbk AND ITS SUBSIDIARY CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY

Three-Month Periods Ended 31 March 2017 and 2016 (Expressed in millions of Rupiah, unless otherwise stated)

31 Maret 2016/31 March 2016

Dapat Diatribusikan kepada Pemilik Entitas Induk/Attributable to Equity Holders of the Parent Entity

Bagian atas Cadangan Penghasilan Dividen Yang Komprehensif Belum

Modal Tambahan Lain Diambil

Ditempatkan Modal Entitas Pemegang Cadangan

Dan Disetor- Asosiasi/ Saham/ Revaluasi

Disetor Bersih/ Cadangan Share of Appropriation Aset Tetap/ Saldo Laba/ Kepentingan

Penuh/ Additional Nilai Wajar - Other for Premises and Retained Earnings Nonpengendali/ Jumlah

Issued and Paid-In Bersih/ Comprehensive Unclaimed Equipment Belum Non- Ekuitas/

Catatan/ Fully Paid-Up Capital - Fair Value Income of an Dividend by Revaluation Dicadangkan/ Dicadangkan/ Jumlah/ Controlling Total Notes Capital Net Reserve - Net Associate Shareholders Reserve Appropriated Unappropriated¹⁾ Total Interests Equity

Saldo 1 Januari 2016 1.818.122 10.781.784 (22.708) 62.147) 128 1.634.051 363.624 4.175.687) 18.812.835) 9 18.812.844) Balance, 1 January 2016

Penghasilan komprehensif periode berjalan:

Comprehensive income for the period:…

Rugi bersih - - - -) - - - (376.251)) (376.251)) - (376.251)) Net loss:...

Penghasilan komprehensif lain, setelah pajak penghasilan:

Other comprehensivexxx income, net of income tax:i Cadangan nilai wajar (aset

keuangan tersedia untuk

dijual) - bersih: 2o,13

Fair value reserve (available - for-sale financial assets) -

net:

Perubahan nilai wajar bersih - - 116.246 -) - - - -) 116.246) - 116.246)

Net changes in fair value Perubahan nilai wajar yang

ditransfer ke laporan laba rugi pada saat

penjualan - bersih - - (25.538) -) - - - -) (25.538) - (25.538)

Fair value changes transferred to profit or loss

on disposal - net Bagian atas penghasilan

komprehensif lain dari

entitas asosiasi 2p,14 - - - (32.547)) - - - -) (32.547)) - (32.547)

Share of other comprehensive income

of an associate

Saldo, 31 Maret 2016 1.818.122 10.781.784 68.000 29.600 128 1.634.051 363.624 3.799.436 18.494.745 9 18.494.754

Balance, 31 March 2016

1) Termasuk dalam Saldo Laba adalah pengukuran kembali atas liabilitas imbalan pasti - bersih ¹⁾ Included in Retained Earnings are remeasurements of defined benefit liabilities - net

Catatan atas laporan keuangan konsolidasian terlampir merupakan bagian yang tidak terpisahkan dari laporan keuangan konsolidasian secara keseluruhan.

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

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DAN ENTITAS ANAK

LAPORAN ARUS KAS KONSOLIDASIAN Periode Tiga Bulan Berakhir

31 Maret 2017 dan 2016 (Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan secara khusus)

CONSOLIDATED STATEMENTS OF CASH FLOWS Three-Month Periods Ended

31 March 2017 and 2016 (Expressed in millions of Rupiah,

Catatan/

Notes 2017 2016

ARUS KAS DARI AKTIVITAS OPERASI CASH FLOWS FROM

OPERATING ACTIVITIES Penerimaan pendapatan bunga dan

syariah 3.033.889 4.048.308

Interest and sharia income received

Pendapatan provisi dan komisi 2ad 343.725 321.929 Fees and commission income

Penerimaan dari transaksi perdagangan -

bersih 48.481 66.017

Receipts from trading transactions - net Pembayaran beban bunga dan syariah (1.630.716) (2.127.153) Interest and sharia expenses paid Penerimaan kredit yang diberikan yang

telah dihapus 127.243 38.885 Loan recoveries received

Penerimaan dari penjualan kredit 12 317.693 - Proceed from sale of loan

Beban provisi dan komisi 2ad,33 (12.623) (12.110) Fees and commission expense

Beban umum dan administrasi (380.550) (353.335) General and administrative expenses

Beban gaji dan tunjangan (611.817) (546.711) Salaries and benefits expense

Pembayaran imbalan pasca-kerja

selama periode berjalan (26.423) (15.742)

Payments of post employment benefits during the period Pendapatan dan beban operasional

lainnya - bersih 831.435 939.318

Other operating income and expenses - net 2.040.337 2.359.406

Penurunan (kenaikan) aset operasi:

Decrease (increase) in operating

assets:

Efek-efek yang dibeli dengan janji

dijual kembali (4.953.145) (4.323.064)

Securities purchased under resale agreements

Kredit yang diberikan 5.144.403 4.393.874 Loans

Tagihan akseptasi - bersih 6.659 (2.132) Acceptance receivables - net Aset lain-lain (209.861) 24.498 Other assets

Kenaikan (penurunan) liabilitas operasi:

Increase (decrease) in operating

liabilities:

Liabilitas segera (113.972) 576.664 Liabilities payable on demand

Simpanan dari nasabah Deposits from customers

Giro (676.246) (2.394.621) Demand deposits

Tabungan (1.068.897) (292.211) Savings

Deposito berjangka (844.395) (5.980.249) Time deposits

Simpanan dari bank-bank lain (276.692) 918.200 Deposits from other banks

Beban masih harus dibayar 45.436 44.689 ) Accruals

Liabilitas lain-lain 817.902 77.710 Other liabilities

Pembayaran pajak penghasilan (189) - Income taxes paid

Kas bersih digunakan untuk aktivitas

operasi (88.660) (4.597.236) Net cash used in operating activities

(13)

DAN ENTITAS ANAK

LAPORAN ARUS KAS KONSOLIDASIAN Periode Tiga Bulan Berakhir

CONSOLIDATED STATEMENTS OF CASH FLOWS Three-Month Periods Ended

31 March 2017 and 2016 (Expressed in millions of Rupiah,

unless otherwise stated) Catatan/

Notes 2017 2016

ARUS KAS DARI AKTIVITAS INVESTASI

CASH FLOWS FROM INVESTING ACTIVITIES Penjualan efek-efek untuk tujuan

investasi 12.576.581 10.633.094 Sale of investment securities

Pembelian efek-efek untuk tujuan investasi (13.414.848) (14.098.586) Purchase of investment securities Penerimaan bunga dari efek-efek untuk

tujuan investasi 109.480 358.314

Interest received from investment securities

Hasil penjualan aset tetap 15 256 141

Proceeds from sale of premises and equipment Perolehan aset tetap dan aset dalam

penyelesaian 15 (29.081) (11.292)

Acquisition of premises and equipment and construction in progress Perolehan aset takberwujud dan aset

takberwujud dalam penyelesaian 16 (12.485) (112.899)

Acquisition of intangible assets and intangible assets in progress

Kas bersih yang digunakan untuk

aktivitas investasi (770.097) (3.231.228) Net cash used in investing activities

ARUS KAS DARI AKTIVITAS PENDANAAN

CASH FLOWS FROM FINANCING ACTIVITIES

Pembayaran bunga utang subordinasi (165.925) (166.767)

Payment of interest on subordinated debt

Kenaikan penempatan oleh bank-bank lain - 878 Increase in placement from other banks

Kas bersih yang digunakan untuk

aktivitas pendanaan (165.925) (165.889) Net cash used in financing activities

PENURUNAN BERSIH KAS DAN

SETARA KAS (1.024.682) (7.994.353)

NET DECREASE IN CASH AND CASH EQUIVALENTS

KAS DAN SETARA KAS,

AWAL PERIODE 24.155.902 24.145.116

CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD

PENGARUH FLUKTUASI KURS MATA UANG ASING PADA KAS DAN

SETARA KAS (34.256) (98.405)

EFFECT OF FOREIGN EXCHANGE RATE FLUCTUATION ON CASH AND

CASH EQUIVALENTS

KAS DAN SETARA KAS, AKHIR

PERIODE 23.096.964 16.052.358 CASH AND CASH EQUIVALENTS,

END OF PERIOD

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

Kas 2b,5 1.951.107 1.618.976 Cash

Giro pada Bank Indonesia 2b,6 10.974.115 10.607.546 Current accounts with Bank Indonesia Giro pada bank-bank lain 2b,7 1.818.384 943.875 Current accounts with other banks Penempatan pada Bank Indonesia dan

bank-bank lain - jatuh tempo dalam

3 bulan sejak tanggal perolehan 2b 7.858.181 2.874.733

Placements with Bank Indonesia and other banks - mature within 3 months from

the date of acquisition Sertifikat Bank Indonesia dan Sertifikat

Bank Indonesia - Syariah - jatuh tempo dalam 3 bulan sejak tanggal

perolehan 2b 495.177 7.228

Certificates of Bank Indonesia and Certificates of Bank Indonesia - Sharia - mature within 3 months from the date of acquisition 23.096.964 16.052.358

(14)

PT BANK PERMATA Tbk DAN ENTITAS ANAK CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN INTERIM

31 Maret 2017, 31 Desember 2016* dan Periode Tiga Bulan Berakhir

NOTES TO THE CONSOLIDATED INTERIM FINANCIAL STATEMENTS 31 March 2017, 31 December 2016* and

Three-Months Periods Ended 31 March 2017 and 2016 (Expressed in millions of Rupiah,

* Diaudit Audited *

11

1. UMUM 1. GENERAL

a. Pendirian Bank dan Informasi Umum a. The Establishment of the Bank and General Information

PT Bank Permata Tbk (dahulu PT Bank Bali Tbk) (“Bank”) didirikan di Indonesia dengan Akta Pendirian No. 228 tanggal 17 Desember 1954 yang dibuat di hadapan Eliza Pondaag, S.H., selaku pengganti dari Raden Mas Soerojo, S.H., notaris di Jakarta. Akta tersebut telah memperoleh pengesahan dari Menteri Kehakiman Republik Indonesia (sekarang Menteri Hukum dan Hak Asasi Manusia) berdasarkan Surat Keputusan No. J.A.5/2/2 tanggal 4 Januari 1955, didaftarkan di Kantor Pengadilan Negeri Jakarta dengan No. 123 tanggal 15 Januari 1955 dan diumumkan dalam Tambahan No. 292 pada Berita Negara Republik Indonesia No. 22 tanggal 18 Maret 1955.

PT Bank Permata Tbk (formerly PT Bank Bali Tbk) (“the Bank”) was established in Indonesia on 17 December 1954 based on the notarial deed No. 228 of Eliza Pondaag, S.H., a substitute notary of Raden Mas Soerojo, S.H., in Jakarta. The deed of establishment was approved by the Minister of Justice of the Republic of Indonesia (now Minister of Law and Human Rights) in its Decision Letter No. J.A.5/2/2 dated 4 January 1955, registered in Jakarta District Court under No. 123 dated 15 January 1955 and published in Supplement No.

292 to State Gazette of the Republic of Indonesia No. 22 dated 18 March 1955.

Bank mulai beroperasi secara komersial pada tanggal 5 Januari 1955. Sesuai dengan pasal 3 Anggaran Dasarnya, Bank beroperasi sebagai bank umum. Bank memperoleh izin usaha sebagai bank umum berdasarkan Surat Keputusan Menteri Keuangan No. 19371/U.M.II tanggal 19 Pebruari 1957. Bank juga memperoleh izin untuk menjalankan aktivitas sebagai bank devisa dan bank yang melakukan kegiatan berdasarkan prinsip syariah masing- masing berdasarkan Surat Keputusan Dewan Moneter Bank Indonesia No. Sekr/D.M./97 tanggal 8 Mei 1956 dan Surat Direktorat Perbankan Syariah No. 6/1082/DPbS tanggal 5 Oktober 2004.

The Bank started its commercial operations on 5 January 1955. According to article 3 of its Articles of Association, the Bank operates as a commercial bank. The Bank obtained the license as a commercial bank under the Decision Letter of the Minister of Finance No. 19371/U.M.II dated 19 February 1957. The Bank also obtained a license to engage in foreign exchange activities and as a bank which engaged in activities based on sharia principles based on the Decision Letter of the Monetary Council of Bank Indonesia No. Sekr/D.M./97 dated 8 May 1956 and the letter of Directorate of Sharia Banking No. 6/1082/DPbS dated 5 October 2004.

Anggaran Dasar Bank telah mengalami beberapa kali perubahan. Perubahan Anggaran Dasar terakhir adalah yang terkait dengan peningkatan modal dasar sebagaimana dinyatakan dalam akta No. 78 tanggal 29 Maret 2017 yang dibuat di hadapan Aryanti Artisari, S.H., M.Kn, notaris di Jakarta. Setelah tanggal 31 Maret 2017, perubahan Anggaran Dasar ini telah diterima dan dicatat oleh Menteri Hukum dan Hak Asasi Manusia Republik Indonesia (Catatan 52).

The Bank’s Articles of Association have been amended several times. The latest amendment of Bank’s Articles of Association was related to the increase of the authorized capital as stated in the notarial deed No. 78 dated 29 March 2017 of Aryanti Artisari, S.H., M.Kn, a notary in Jakarta. Subsequent to 31 March 2017, this change of Bank’s Article of Association has been acknowledged and recorded by the Minister of Law and Human Rights (Note 52).

Pemegang saham mayoritas Bank pada tanggal 31 Maret 2017 dan 31 Desember 2016 adalah Standard Chartered Bank dan PT Astra International Tbk.

The majority shareholders of the Bank as of 31 March 2017 and 31 December 2016 are Standard Chartered Bank and PT Astra International Tbk.

(15)

* Diaudit Audited *

12

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

a. Pendirian Bank dan Informasi Umum (lanjutan)

a. The Establishment of the Bank and General Information (continued)

Pemegang saham terakhir (ultimate shareholders) dari perusahaan induk Bank adalah sebagai berikut:

 Standard Chartered Bank adalah entitas anak yang dimiliki sepenuhnya oleh Standard Chartered Holdings Limited.

Pemegang saham Standard Chartered Holdings Limited adalah Standard Chartered PLC.

 Pemegang saham mayoritas PT Astra International Tbk (PT AI) adalah Jardine Cycle dan Carriage Limited-Singapore (JCCL). Pemegang saham terakhir (ultimate shareholder) JCCL adalah Jardine Matheson Holdings Ltd, perusahaan publik dengan premium listing di London dan didirikan di Bermuda.

The ultimate shareholders of the Bank’s parent companies are as follows:

 Standard Chartered Bank is a wholly owned subsidiary of Standard Chartered Holdings Limited. The shareholder of Standard Chartered Holdings Limited is Standard Chartered PLC.

 The majority shareholder of PT Astra International Tbk (PT AI) is Jardine Cycle and Carriage Limited-Singapore (JCCL).

The ultimate shareholder of JCCL is Jardine Matheson Holdings Ltd, a public company with a premium listing in London and incorporated in Bermuda.

Kantor pusat Bank berlokasi di World Trade Center II, Jalan Jendral Sudirman Kavling 29-31, Jakarta. Pada tanggal 31 Maret 2017 dan 31 Desember 2016, Bank memiliki kantor cabang dan ATM sebagai berikut:

The Bank’s head office is located at World Trade Center II, Jalan Jendral Sudirman Kavling 29-31, Jakarta. As of 31 March 2017 and 31 December 2016, the Bank had the following branches and ATMs:

Sesuai dengan pasal 3 ayat 2 Anggaran Dasar Bank, Bank dapat melaksanakan kegiatan usaha utama dan kegiatan usaha penunjang yang termasuk menyediakan pembiayaan dan atau melakukan kegiatan lain berdasarkan prinsip syariah sesuai dengan ketentuan yang ditetapkan oleh Otoritas Jasa Keuangan (OJK).

Bank mulai melakukan kegiatan berdasarkan prinsip syariah sejak bulan Nopember 2004.

According to article 3 paragraph 2 of the Bank’s Articles of Association, the Bank can engage in main and supporting business activities which include providing finances and or carrying out other activities based on sharia principles in accordance with prevailing regulations issued by Otoritas Jasa Keuangan (OJK). The Bank had started activities based on sharia principles since November 2004.

b. (Penawaran Umum Saham Bank b. The Bank’s Public Offerings Pada tanggal 15 Januari 1990, berdasarkan izin

Menteri Keuangan No. SI-070/SHM/MK.10/1989 tanggal 2 Desember 1989, saham Bank sejumlah 3.999.000 saham dengan jumlah nilai nominal Rp3.999 telah ditawarkan melalui Penawaran Umum Perdana kepada masyarakat dan telah dicatatkan pada Bursa Efek Jakarta dan Surabaya (kedua bursa ini telah digabung untuk membentuk Bursa Efek Indonesia).

On 15 January 1990, based on the license from the Minister of Finance No. SI-070/SHM/

MK.10/1989 dated 2 December 1989, the Bank’s shares amounted to 3,999,000 shares with total par value of Rp3,999 were offered to public through the Initial Public Offering and were listed on the Jakarta and Surabaya Stock Exchanges (these two exchanges were merged to form Indonesia Stock Exchange).

31 Maret 2017/

31 March 2017

31 Desember 2016/

31 December 2016

Kantor cabang (termasuk kantor pusat) 56 56 Branches (including head office)

Kantor cabang pembantu 253 253 Sub-branches

Kantor layanan syariah 312 312 Sharia office channeling

Kantor kas 22 22 Cash offices

Kas keliling/mobil 21 22 Mobile cash

Poin pembayaran 3 6 Payment points

ATM 1.007 1.008 ATMs

(16)

* Diaudit Audited *

13

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

b. (Penawaran Umum Saham Bank b. The Bank’s Public Offerings Dalam Rapat Umum Pemegang Saham Luar

Biasa tanggal 5 Juli 1990, Bank menempatkan saham baru dengan cara Penawaran Umum Terbatas dengan Hak Memesan Efek Terlebih Dahulu (Rights Issue) I sejumlah 15.508.000 saham dengan nilai nominal Rp1.000 (Rupiah penuh) per saham. Melalui Penawaran Umum Terbatas ini, setiap pemegang saham yang memiliki 3 (tiga) saham lama berhak membeli 1 (satu) saham baru dengan harga Rp8.000 (Rupiah penuh) per saham. Berdasarkan surat persetujuan Bapepam No. S-1424/PM/1990 tanggal 8 September 1990, saham-saham tambahan ini dicatatkan pada Bursa Efek Jakarta. Saham-saham ini juga dicatatkan pada Bursa Efek Surabaya berdasarkan surat No. 461/D-70/BES/IX/90 tanggal 24 September 1990.

At the Extraordinary General Meeting of Shareholders on 5 July 1990, the Bank offered to the existing shareholders additional new shares through the Limited Public Offering (Rights Issue) I of 15,508,000 shares with par value of Rp1,000 (whole Rupiah) per share.

Through this Rights Issue, each existing shareholder was given the right to buy 1 (one) additional new share at a price of Rp8,000 (whole Rupiah) per share for every 3 (three) old shares owned. Based on the Approval Letter from Bapepam No. S-1424/PM/1990 dated 8 September 1990, these additional shares were listed on the Jakarta Stock Exchange.

These shares were also listed on the Surabaya Stock Exchange based on its letter No. 461/D-70/BES/IX/90 dated 24 September 1990.

Berdasarkan surat persetujuan Ketua Bapepam No. S-1739/PM/1990 tanggal 5 Nopember 1990, Bank mencatatkan tambahan saham pendiri sejumlah 42.525.000 saham pada Bursa Efek Jakarta dan Surabaya.

Based on the Approval Letter of the Chairman of Bapepam No. S-1739/PM/1990 dated 5 November 1990, the Bank listed additional 42,525,000 founders’ shares on the Jakarta Stock Exchange and Surabaya Stock Exchange.

Dalam Rapat Umum Pemegang Saham Luar Biasa tanggal 18 Juni 1992, Bank menerbitkan saham bonus sejumlah 124.064.000 saham dengan nilai nominal Rp1.000 (Rupiah penuh) per saham dimana setiap pemegang saham yang memiliki 1 (satu) saham berhak memperoleh 2 (dua) saham bonus. Saham bonus ini berasal dari kapitalisasi tambahan modal disetor ke modal saham. Saham-saham ini dicatatkan pada Bursa Efek Jakarta berdasarkan surat No. S-488/BEJ.I.1/VIII/1992 tanggal 27 Agustus 1992. Saham-saham ini juga dicatatkan pada Bursa Efek Surabaya berdasarkan surat No. 11/EMT/LIST/BES/IX/92 tanggal 3 September 1992.

At the Extraordinary General Meeting of Shareholders on 18 June 1992, the Bank declared bonus shares amounted to 124,064,000 shares with par value of Rp1,000 (whole Rupiah) per share, in which each existing shareholder was given the right to have 2 (two) additional new shares for every 1 (one) old share owned. These bonus shares were derived from the capitalization of additional paid-in capital to capital stock. These bonus shares were listed on the Jakarta Stock Exchange based on its letter No. S-488/BEJ.I.1/VIII/1992 dated 27 August 1992. These shares were also listed on the Surabaya Stock Exchange based on its letter No. 11/EMT/LIST/BES/IX/92 dated 3 September 1992.

Dalam Rapat Umum Pemegang Saham Luar Biasa tanggal 27 Juni 1995, para pemegang saham telah menyetujui untuk melakukan Penawaran Umum Terbatas dengan Hak Memesan Efek Terlebih Dahulu (Rights Issue) II sejumlah 65.133.600 saham dengan nilai nominal Rp1.000 (Rupiah penuh) per saham yang ditawarkan kepada para pemegang saham lama. Melalui Penawaran Umum Terbatas ini, setiap pemegang saham yang memiliki 20 (dua puluh) saham lama berhak membeli 7 (tujuh) saham baru dengan harga Rp2.000 (Rupiah penuh) per saham dan mendapat 4 (empat) waran atau keseluruhan berjumlah 37.219.200 waran. Setiap 1 (satu) waran dapat dikonversi menjadi 1 (satu) saham baru dengan nilai nominal Rp1.000 (Rupiah penuh) per saham dengan harga Rp2.900 (Rupiah penuh) per saham.

At the Extraordinary General Meeting of Shareholders on 27 June 1995, the shareholders agreed to conduct the Limited Public Offering (Rights Issue) II of 65,133,600 shares with par value of Rp1,000 (whole Rupiah) per share to existing shareholders.

Through this Rights Issue, each existing shareholder was given the right to buy 7 (seven) additional new shares at a price of Rp2,000 (whole Rupiah) per share for every 20 (twenty) old shares owned and received 4 (four) warrants or a total of 37,219,200 warrants. Each 1 (one) warrant can be converted into 1 (one) new share with par value of Rp1,000 (whole Rupiah) per share at a price of Rp2,900 (whole Rupiah) per share.