PT Bank Internasional Indonesia Tbk dan entitas anak/and subsidiaries

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Consolidated financial statements

September 30, 2013 (Unaudited) and December 31, 2012 (Audited) and nine-month periods ended

September 30, 2013 and 2012 (Unaudited)

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PADA TANGGAL-TANGGAL 30 SEPTEMBER 2013 DAN 2012 (TIDAK DIAUDIT)

SEPTEMBER 30, 2013 AND 2012 (UNAUDITED)

Daftar Isi Table of Contents

Halaman/Pages

Consolidated Statements of Laporan Posisi Keuangan Konsolidasian..…………. 1-4 ……… Financial Position

Consolidated Statements of Laporan Laba Rugi Komprehensif Konsolidasian…. 5-6 ………..Comprehensive Income

Consolidated Statements of Changes Laporan Perubahan Ekuitas Konsolidasian..………. 7-8 ...……….in Equity Laporan Arus Kas Konsolidasian..………... 9-10 …Consolidated Statements of Cash Flows

Notes to the Consolidated Financial Catatan atas Laporan Keuangan Konsolidasian..…. 11-236 ..….……….……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

Notes to the Financial Statements - Catatan atas Laporan Keuangan - Entitas Induk..…. Appendix 5 ... Parent Company

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

konsolidasian.

The accompanying notes to the consolidated financial statements form an integral part

of these consolidated financial statements.

1

30 September/ 31 Desember/

September 30, December 31,

2013 2012

Catatan/ (Tidak Diaudit/ (Diaudit/

Notes Unaudited) Audited)

ASET

Kas 2c,4 2.026.098 1.920.998 Cash

Giro pada Bank Indonesia 2c,2d,2e,2f,5 8.611.360 7.784.483 Current accounts with Bank Indonesia

Giro pada bank lain 2c,2d,2f,2o,6 Current accounts with other banks

Pihak berelasi 2ae,43 255 15.446 Related parties

Pihak ketiga 627.878 1.634.104 Third parties

628.133

1.649.550

Dikurangi: Penyisihan kerugian Less: Allowance for

penurunan nilai (202) (165) impairment losses

Giro pada bank lain - bersih 627.931 1.649.385 Current accounts with other banks - net

Penempatan pada Bank Placements with

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

Pihak berelasi 2ae,43 173.700 - Related parties

Pihak ketiga 8.989.327 9.049.010 Third parties

9.163.027

9.049.010

Dikurangi: Penyisihan 2o,7 Less: Allowance for

kerugian penurunan nilai (300) (300) impairment losses

Penempatan pada Bank Indonesia dan Placements with Bank Indonesia

bank lain - bersih 9.162.727 9.048.710 and other banks - net

Efek-efek yang diperdagangkan 2c,2d,2h,8 625.003 1.648.063 Trading securities

Investasi keuangan 2b,2c,2d,2i,2o,9 Financial investments

10.764.394

8.621.991

Dikurangi: Penyisihan Less: Allowance for

kerugian penurunan nilai (309.984) (259.907) impairment losses

Investasi keuangan - bersih 10.454.410 8.362.084 Financial investments - net

Efek-efek yang dibeli dengan janji Securities purchased under

dijual kembali 2d,2j,10 - 466.513 resale agreement

Dikurangi: Pendapatan bunga yang

belum diamortisasi - (58) Less: Unamortized interest

Efek-efek yang dibeli dengan janji Securities purchased under

dijual kembali - bersih - 466.455 resale agreement - net

Tagihan derivatif 2c,2d,2k,11 Derivatives receivable

Pihak ketiga 525.670 235.948 Third parties

528.870

235.948

Kredit yang diberikan 2c,2d,2l,2o,12 Loans

Pihak berelasi 2ae,43 100.024 70.360 Related parties

85.300.997

76.087.918

kerugian penurunan nilai (1.005.027) (1.052.332) impairment losses

Kredit yang diberikan - bersih 84.295.970 75.035.586 Loans - net

ASSETS

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konsolidasian.

2

kecuali dinyatakan lain) unless otherwise stated)

2013 2012

ASET (lanjutan) ASSETS (continued)

Piutang pembiayaan 2d,2n,2o,13 Consumer financing

konsumen 8.484.244 6.993.438 receivables

Dikurangi: Less:

Pendapatan pembiayaan Unearned consumer financing

konsumen yang belum diakui (2.105.458) (2.132.639) receivables

Penyisihan kerugian Allowance for impairment

penurunan nilai (79.344) (68.997) losses

Piutang pembiayaan Consumer financing

konsumen - bersih 6.299.442 4.791.802 receivables - net

Tagihan akseptasi 2c,2d,2m,2o,2ae,14,43 1.456.020 793.362 Acceptances receivable

kerugian penurunan nilai (12.165) (7.383) impairment losses

Tagihan akseptasi - bersih 1.443.855 785.979 Acceptances receivable - net

Aset pajak tangguhan 2aa,23c 333.438 249.314 Deferred tax assets

Aset tetap 2p,15 2.088.153 1.930.652 Fixed assets

Dikurangi: Akumulasi penyusutan (1.046.084) (912.218) Less: Accumulated depreciation

Aset tetap - bersih 1.042.069 1.018.434 Fixed assets - net

Aset tidak berwujud 2b,2q,16 588.724 559.536 Intangible assets

Dikurangi: Akumulasi amortisasi (472.238) (445.446) Less: Accumulated amortization

Aset tidak berwujud - bersih 116.486 114.090 Intangible assets - net

Beban dibayar dimuka dan 2c,2d,2o,2r,2s, Prepayments and

aset lain-lain 2y,17 other assets

4.155.987

2.699.240

Dikurangi: Less:

Penyisihan kerugian Allowance for impairment

penurunan nilai (19.781) (15.829) losses

Penyisihan kerugian (23.633) (21.834) Allowance for possible losses

Beban dibayar dimuka dan Prepayments and

aset lain-lain - bersih 4.112.573 2.661.577 other assets - net

JUMLAH ASET 48b 129.680.232 115.772.908 TOTAL ASSETS

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konsolidasian.

3

2013 2012

Liabilitas segera 2c,2d,2t,2ae,18,43 1.058.496 1.237.689 Obligations due immediately

Simpanan nasabah 2c,2d,2u,19 Deposits from customers

96.515.374

85.946.647

Simpanan dari bank lain 2c,2d,2v,20 Deposits from other banks

Pihak ketiga 565.162 1.344.525 Third parties

949.602

1.724.095

Liabilitas derivatif 2c,2d,2k,11 Derivatives payable

Pihak ketiga 674.235 99.101 Third parties

697.945

137.887

Liabilitas akseptasi 2c,2d,2m,14 Acceptances payable

Pihak berelasi 2ae,43 572 20.801 Related parties

Pihak ketiga 1.455.448 772.561 Third parties

1.456.020

793.362

Surat berharga yang diterbitkan 2c,2d,2w,21 Securities issued

Pihak berelasi 2ae,43 1.424.883 1.872.529 Related parties

7.952.795

6.987.000

Pinjaman diterima 2c,2d,2x,22 Borrowings

2.582.991

2.419.621

Utang pajak 2c,2aa,23a 554.266 207.132 Taxes payable

Liabilitas pajak tangguhan 2aa,23c 74.685 80.119 Deferred tax liabilities

Beban yang masih harus dibayar 2c,2d,2y,2ac,24 Accrued expenses

dan liabilitas lain-lain and other liabilities

2.893.905

3.584.178

Obligasi subordinasi 2d,2w,25 Subordinated bonds

2.988.986

2.987.685

JUMLAH LIABILITAS 48b 117.725.065 106.105.415 TOTAL LIABILITIES

LIABILITAS DAN EKUITAS LIABILITIES AND EQUITY

LIABILITAS LIABILITIES

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konsolidasian.

4

2013 2012

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 2013 dan of September 30, 2013 and

31 Desember 2012 December 31, 2012

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,

dan 51.692.810.426 saham Seri D and 51,692,810,426 Series D shares

per 30 September 2013 as of September 30, 2013

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

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

per 31 Desember 2012 26 3.512.940 3.407.411 as of December 31, 2012

Tambahan modal disetor 27 3.219.051 1.828.428 Additional paid-in capital

Selisih kurs penjabaran Differences arising from the translation of

laporan keuangan 2c,30 14.044 (5.897) 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)/keuntungan yang belum direalisasi Unrealized (losses)/gains 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,9 (89.196) 254.646 of deferred tax

Cadangan umum 29 264.475 143.653 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,54 4.921.722 3.944.106 as of December 31, 2003)

Jumlah ekuitas teratribusi kepada Total equity attibutable to equity holders

pemilik entitas induk 11.769.355 9.498.666 of the parent company

Kepentingan non-pengendali 45 185.812 168.827 Non-controlling interest

JUMLAH EKUITAS 11.955.167 9.667.493 TOTAL EQUITY

JUMLAH LIABILITAS DAN EKUITAS 129.680.232 115.772.908 TOTAL LIABILITIES AND EQUITY

EKUITAS EQUITY

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konsolidasian.

of these consolidated financial statements.

5 kecuali dinyatakan lain)

30 September/ 30 September/

September 30, September 30,

2013 2012

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 2y,32 8.116.059 6.959.440 Interest income

Beban bunga 2y,33 3.776.205 3.011.835 Interest expenses

Pendapatan bunga bersih 4.339.854 3.947.605 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 2z 248.287 223.889 other than from loans

Keuntungan transaksi mata Gains on foreign exchange

uang asing - bersih 2c 229.051 204.681 transactions - net

Keuntungan penjualan efek-efek Gains on sale of trading

yang diperdagangkan securities and financial

dan investasi keuangan - bersih 2h,2i,34 99.262 26.013 investment - net

Pendapatan lainnya 35 1.142.252 1.119.211 Other fee income

Jumlah pendapatan operasional Total other operating

lainnya 1.718.852 1.573.794 income

Beban operasional lainnya: Other operating expenses:

Penyisihan kerugian Provision for impairment

penurunan nilai atas losses on financial

instrumen keuangan - bersih 2o,36 578.282 880.364 instruments - net

Penyisihan/(pemulihan) kerugian Provision/((reversal) for possible losses

atas aset non-produktif 2o,37 3.845 (12.603) on non-earning assets

Umum dan administrasi 38 1.889.155 1.704.870 General and administrative

Penurunan nilai efek-efek Decrease in value of

yang diperdagangkan - bersih 2h,39 2.781 4.794 trading securities - net

Tenaga kerja 40,46 1.902.738 1.684.046 Personnel

Jumlah beban Total other operating

operasional lainnya 4.376.801 4.261.471 expenses

Beban operasional Other operating expenses -

lainnya - bersih (2.657.949) (2.687.677) net

PENDAPATAN

OPERASIONAL - BERSIH 1.681.905 1.259.928 OPERATING INCOME - NET

(BEBAN)/PENDAPATAN NON-OPERATING

NON-OPERASIONAL - BERSIH 41 (119.516) 22.275 (EXPENSES)/INCOME - NET

LABA SEBELUM

BEBAN PAJAK 1.562.389 1.282.203 INCOME BEFORE TAX EXPENSE

BEBAN PAJAK - BERSIH 2aa,23b (446.966) (377.739) TAX EXPENSE - NET LABA PERIODE BERJALAN 48b 1.115.423 904.464 INCOME FOR THE PERIOD

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konsolidasian.

kecuali dinyatakan lain)

2013 2012

Pendapatan komprehensif Other comprehensive

lainnya: income:

Selisih kurs penjabaran Differences arising from the translation of

laporan keuangan 19.941 2.341 foreign currency financial statements

Mutasi sehubungan dengan perubahan Mutation in respect of fair value

nilai wajar investasi keuangan change of available-for-sale

yang tersedia untuk dijual 9 (463.207) 40.401 financial investments

Pajak penghasilan terkait dengan Income tax relating to

komponen pendapatan components of other

komprehensif lainnya 23c 119.365 (10.014) comprehensive income

(Rugi)/laba komprehensif lainnya - Other comprehensive (losses)/income-

bersih setelah pajak (323.901) 32.728 net of tax

Jumlah laba komprehensif Total comprehensive

selama periode berjalan - income for the

bersih setelah pajak 791.522 937.192 period - net of tax

Laba periode berjalan yang Income for the period

dapat diatribusikan kepada: attributable to:

Equity holders of the

Pemilik entitas induk 42 1.098.438 921.822 parent company

Kepentingan non-pengendali 45 16.985 (17.358) Non-controlling interest

1.115.423

904.464

Jumlah laba komprehensif selama Total comprehensive

periode berjalan - bersih setelah pajak income for the period - net of tax

yang dapat diatribusikan kepada: attributable to:

Equity holders of the

Pemilik entitas induk 774.537 954.550 parent company

Kepentingan non-pengendali 45 16.985 (17.358) Non-controlling interest

791.522

937.192

LABA PER SAHAM DASAR BASIC EARNINGS PER SHARE

(nilai penuh) 2ab,42 19 16 (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.

7

Kerugian/(keuntungan) 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)/gains

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

Saldo 1 Januari 2013/31 Desember 2012 3.407.411 1.828.428 (5.897) (73.681) 254.646 143.653 3.944.106 9.498.666 168.827 9.667.493 Balance as of January 1, 2013/December 31, 2012

Penerbitan saham melalui Issuance of shares through Limited

Penawaran Umum Terbatas VI 26,27 105.529 1.390.623 - - - - - 1.496.152 - 1.496.152 Public Ooffering VI 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 - - 19.941 - - - - 19.941 - 19.941 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 - - - - (343.842) - - (343.842) - (343.842) of deferred tax Pembentukan cadangan umum 28,29 - - - - - 120.822 (120.822) - - - Allocation for general reserve

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

entitas anak 45 - - - - - - - - 16.985 16.985 to non-controlling interest Laba bersih periode berjalan - - - - - - 1.098.438 1.098.438 - 1.098.438 Net income for the period Saldo 30 September 2013 3.512.940 3.219.051 14.044 (73.681) (89.196) 264.475 4.921.722 11.769.355 185.812 11.955.167 Balance as of September 30, 2013

Dapat diatribusikan kepada pemilik entitas induk/Attributable to equity holders of the parent company

(10)

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.

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 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 2012 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 Balance as of January 1, 2012

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 45 - - - - - - - - (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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konsolidasian.

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

9

2013 2012

ARUS KAS DARI AKTIVITAS CASH FLOWS FROM

OPERASI OPERATING ACTIVITIES

Bunga yang diperoleh 8.394.887 7.063.469 Interest received

Bunga yang dibayar (3.597.496) (3.216.355) Interest paid

Laba transaksi mata uang Gains on foreign currency

asing - bersih 165.155 15.524 transactions - net

Beban umum dan administrasi General and administrative

yang dibayar (1.536.034) (1.459.548) expenses paid

Tenaga kerja dan tunjangan

yang dibayar (1.726.884) (1.444.934) Personnel expenses paid

Pendapatan operasional lainnya Other operating income

yang diterima 1.165.181 1.140.107 received

(Pembayaran)/penerimaan dari (beban)/pendapatan Non-operating

non-operasional - bersih (120.294) 20.053 (expense)/income (paid)/received - net

Arus kas dari aktivitas operasi Cash flows from operating

sebelum perubahan aset activities before changes in

dan liabilitas operasi 2.744.515 2.118.316 operating assets and liabilities

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

operasi: assets:

Penempatan pada Bank Placements with Bank

Indonesia dan bank lain (123.264) (81.461) Indonesia and other banks

Efek-efek yang diperdagangkan 932.446 (38.582) Trading securities

Tagihan atas wesel ekspor 112.659 122.991 Receivables from export bills

Kredit yang diberikan (9.770.733) (8.969.969) Loans

Piutang pembiayaan

konsumen (1.623.051) (439.324) Consumer financing receivables

Beban dibayar dimuka dan Prepayments and other

aset lain-lain (1.328.505) (510.662) assets

Kenaikan/(penurunan) Increase/(decrease) in

liabilitas operasi: operating liabilities:

Liabilitas segera (179.190) (261.815) Obligations due immediately

Simpanan dari nasabah dan Deposits from customers and

bank lain 9.794.230 9.946.968 other banks

Liabilitas lain-lain (1.202.552) (363.121) Other liabilities

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

diperoleh dari aktivitas operasi (643.445) 1.523.341 operating activities

INVESTASI INVESTING ACTIVITIES

Penjualan efek-efek yang dibeli dengan Sales of securities purchased under

janji dijual kembali 466.455 - resale agreements

Penerimaan dari penjualan Proceeds from sale of

aset tetap 15 4.466 5.147 fixed assets

Pembayaran untuk pembelian Payment for acquisition of

investasi saham (5.830) - investment in share

Pembelian aset tetap 15 (170.106) (125.207) Acquisition of fixed assets

Pembelian efek-efek Purchase of marketable

dan obligasi rekapitalisasi securities and government

pemerintah tersedia recapitalization bonds

untuk dijual (2.712.437) (60.735) available-for sale

Kas bersih digunakan untuk Net cash used in

aktivitas investasi (2.417.452) (180.795) investing activities

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konsolidasian.

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

2013 2012

PENDANAAN FINANCING ACTIVITIES

Penambahan modal saham dan Addition in share capital and

tambahan modal disetor 1.500.854 - additional paid-in capital

Penerimaan dari surat berharga Proceeds from securities

yang diterbitkan 1.350.000 625.000 issued

Penerimaan/(pembayaran) pinjaman Proceeds from/(payment of)

diterima 163.370 (78.570) borrowings

Kenaikan/(penurunan) kepentingan Increase/(decrease) in

non-pengendali 16.985 (868) non-controlling interest

Pembayaran biaya emisi Payment of share

efek ekuitas (4.702) - issuance costs

Pelunasan surat berharga Repayments of

yang diterbitkan (521.000) (694.000) securities issued

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

untuk) aktivitas pendanaan 2.505.507 (148.438) financing activities

(PENURUNAN)/KENAIKAN BERSIH NET (DECREASE)/INCREASE IN CASH

KAS DAN SETARA KAS (555.390) 1.194.108 AND CASH EQUIVALENTS

KAS DAN SETARA KAS CASH AND CASH EQUIVALENTS

AWAL PERIODE 20.342.525 16.504.909 AT BEGINNING OF PERIOD

Pengaruh perubahan kurs mata Effect of foreign currency exchange rate

uang asing 456.703 166.883 changes

KAS DAN SETARA KAS CASH AND CASH EQUIVALENTS

AKHIR PERIODE 20.243.838 17.865.900 AT END OF PERIOD

PENGUNGKAPAN TAMBAHAN SUPPLEMENTARY DISCLOSURES

Cash and cash equivalents

Kas dan setara kas terdiri dari: consist of:

Kas 4 2.026.098 1.551.327 Cash

Giro pada Bank Indonesia 5 8.611.360 7.103.348 Current accounts with Bank Indonesia

Giro pada bank lain 6 628.133 698.267 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 8.978.247 8.512.958 the date of acquisition

Jumlah kas dan setara kas 20.243.838 17.865.900 Total cash and cash equivalents

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11 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 (Unit Usaha 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 (Sharia Business Unit) to 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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1. UMUM (lanjutan) 1. GENERAL (continued)

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, 81 kantor cabang, 327 kantor cabang pembantu, 7 kantor kas, 5 kantor cabang Syariah dan 2 kantor cabang pembantu Syariah per 30 September 2013 (31 Desember 2012: 1 kantor pusat, 78 kantor cabang, 312 kantor cabang pembantu, 7 kantor kas, 5 kantor cabang Syariah dan 1 kantor cabang pembantu Syariah). Jumlah karyawan tetap Bank per 30 September 2013 dan 31 Desember 2012 adalah masing-masing 7.624 dan 7.389 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, 81 branches, 327 sub- branches, 7 cash offices, 5 Sharia branches and 2 Sharia sub-branches as of September 30, 2013 (December 31, 2012: 1 head office, 78 branches, 312 sub-branches, 7 cash offices, 5 Sharia branches and 1 Sharia sub- branch). The Bank had 7,624 and 7,389 permanent employees as of September 30, 2013 and December 31, 2012, respectively.

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13 1. UMUM (lanjutan)

a. Pendirian (lanjutan)

1. GENERAL (continued)

a. Establishment (continued)

Pada bulan Mei 1999, sebagai bagian dari Program Rekapitalisasi 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.