PT Bank Internasional Indonesia Tbk dan entitas anak/and subsidiaries

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Consolidated financial statements

June 30, 2013 (Unaudited) and December 31, 2012 (Audited) and six-month periods ended

June 30, 2013 and 2012 (Unaudited)

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TANGGAL-TANGGAL 30 JUNI 2013 DAN 2012 (TIDAK DIAUDIT)

JUNE 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..…. 11-239 ..….……….……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

kecuali dinyatakan lain) unless otherwise stated)

30 Juni/ 31 Desember/

June 30, December 31,

2013 2012

Catatan/ (Tidak Diaudit/ (Diaudit/

Notes Unaudited) Audited)

ASET ASSETS

Kas 2c,4 1.753.986 1.920.998 Cash

Current accounts with

Giro pada Bank Indonesia 2c,2d,2e,2f,5 8.195.790 7.784.483 Bank Indonesia

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

Pihak berelasi 2ae,43 406 15.446 Related parties

Pihak ketiga 721.656 1.634.104 Third parties

722.062 1.649.550

Dikurangi: Penyisihan kerugian Less: Allowance for

penurunan nilai (167) (165) impairment losses

Current accounts with other

Giro pada bank lain - bersih 721.895 1.649.385 banks - net

Penempatan pada Bank 2c,2d,2g Placements with Bank Indonesia

Indonesia dan bank lain 2o,7 11.435.612 9.049.010 and other banks

penurunan nilai (300) (300) impairment losses

Penempatan pada Bank Placements with Bank Indonesia

Indonesia dan bank lain - bersih 11.435.312 9.048.710 and other banks - net

Efek-efek yang diperdagangkan 2c,2d,2h,8 507.803 1.648.063 Trading securities

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

Pihak berelasi 2ae,43 5.830 - Related parties

Pihak ketiga 9.078.695 8.621.991 Third parties

9.084.525 8.621.991

penurunan nilai (268.254) (259.907) impairment losses

Investasi keuangan - bersih 8.816.271 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 berelasi 2ae,43 4.509 - Related parties

Pihak ketiga 221.197 235.948 Third parties

225.706 235.948

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

Pihak berelasi 2ae,43 91.753 70.360 Related parties

79.232.312 76.087.918

Dikurangi: Less:

Penyisihan kerugian Allowance for

penurunan nilai (943.760) (1.052.332) impairment losses

Kredit yang diberikan - bersih 78.288.552 75.035.586 Loans - net

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konsolidasian.

2013 2012

ASET (lanjutan) ASSETS (continued)

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

konsumen 7.883.803 6.993.438 receivables

Dikurangi:

Pendapatan pembiayaan Less:

konsumen yang belum Unearned consumer financing

diakui (2.011.416) (2.132.639) receivables

Penyisihan kerugian Allowance for impairment

penurunan nilai (78.642) (68.997) losses

Piutang pembiayaan Consumer financing

konsumen - bersih 5.793.745 4.791.802 receivables - net

2c,2d,2m,2o,14

Tagihan akseptasi 2ae,43 1.231.536 793.362 Acceptances receivable

penurunan nilai (10.473) (7.383) impairment losses

Tagihan akseptasi - bersih 1.221.063 785.979 Acceptances receivable - net

Aset pajak tangguhan 2aa,23c 366.772 249.314 Deferred tax assets

Aset tetap 2p,15 2.002.154 1.930.652 Fixed assets

Dikurangi: Akumulasi penyusutan (999.069) (912.218) Less: Accumulated depreciation

Aset tetap - bersih 1.003.085 1.018.434 Fixed assets - net

Aset tidak berwujud 2b,2q,16 570.523 559.536 Intangible assets

Dikurangi: Akumulasi amortisasi (461.899) (445.446) Less: Accumulated amortization

Aset tidak berwujud - bersih 108.624 114.090 Intangible assets - net

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

aset lain-lain 2y,17 other assets

Pihak berelasi 2ae,43 23.368 23.772 Related parties

2.934.386 2.699.240

Dikurangi: Less:

Penyisihan kerugian Allowance for impairment

penurunan nilai (18.021) (15.829) losses

Penyisihan kerugian (19.858) (21.834) Allowance for possible losses

Beban dibayar dimuka dan Prepayments and

aset lain-lain - bersih 2.896.507 2.661.577 other assets - net

JUMLAH ASET 48b 121.335.111 115.772.908 TOTAL ASSETS

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konsolidasian.

3

2013 2012

LIABILITAS DAN EKUITAS LIABILITIES AND EQUITY

LIABILITAS LIABILITIES

Liabilitas segera 2c,2d,2t,18 845.074 1.237.689 Obligations due immediately

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

91.126.229 85.946.647

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

Pihak ketiga 657.665 1.344.525 Third parties

1.028.154 1.724.095

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

Pihak ketiga 151.768 99.101 Third parties

169.096 137.887

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

Pihak ketiga 1.213.751 772.561 Third parties

1.231.536 793.362

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

Pihak berelasi 2ae,43 1.308.898 1.872.529 Related parties

7.839.100 6.987.000

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

2.502.012 2.419.621

Utang pajak 2c,2aa,23a 419.113 207.132 Taxes payable

Liabilitas pajak tangguhan 2aa,23c 88.853 80.119 Deferred tax liabilities

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

dan liabilitas lain-lain and other liabilities

3.056.309 3.584.178

Obligasi subordinasi 2d,2w,25 Subordinated bonds

2.988.544 2.987.685

JUMLAH LIABILITAS 48b 111.294.020 106.105.415 TOTAL LIABILITIES

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konsolidasian.

2013 2012

EKUITAS EQUITY

Ekuitas teratribusi kepada Equity attributable to equity

pemilik 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 Juni 2013 dan of June 30, 2013 and

31 Desember 2012 December 31, 2012

terdiri dari: consisting of:

388.146.231 saham 388,146,231 Series A

Seri A dengan nilai shares with a par value of

nominal Rp900 Rp900 (full amount)

(nilai penuh) per saham; per share;

8.891.200.000 saham 8,891,200,000 Series B

Seri B dengan nilai shares with a par value

nominal Rp225 of Rp225 (full amount)

(nilai penuh) per saham; dan per share; and

467.329.511.000 saham 467,329,511,000

Seri D dengan nilai Series D shares with a

nominal Rp22,50 par value of Rp22.50

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

Modal ditempatkan dan

disetor penuh Issued and paid-up capital

388.146.231 388,146,231

saham Seri A, Series A shares,

8.891.200.000 8,891,200,000

saham Seri B Series B shares and

dan 47.002.644.529 47,002,644,529

saham Seri D Series D shares

per 30 Juni 2013 dan as of June 30, 2013 and

31 Desember 2012 26 3.407.411 3.407.411 December 31, 2012

Tambahan modal disetor 27 1.828.428 1.828.428 Additional paid-in capital

Differences arising from

Selisih kurs penjabaran the translation of foreign

laporan keuangan 2c,30 (654) (5.897) 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 Unrealized (losses)/gains on

direalisasi atas perubahan nilai changes in fair value

wajar investasi keuangan of available-for-sale

yang tersedia untuk dijual - financial investments -

setelah pajak tangguhan 2i,9 (67.066) 254.646 net 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 was eliminated as a result of

melalui kuasi-reorganisasi the quasi-reorganization

tanggal 31 Desember 2003) 2af,54 4.504.141 3.944.106 as of December 31, 2003)

Jumlah ekuitas teratribusi kepada Total equity attributable to equity

pemilik entitas induk 9.863.054 9.498.666 holders of the parent company

Kepentingan non-pengendali 45 178.037 168.827 Non-controlling interest

JUMLAH EKUITAS 10.041.091 9.667.493 TOTAL EQUITY

JUMLAH LIABILITAS DAN EKUITAS 121.335.111 115.772.908 TOTAL LIABILITIES AND EQUITY

(7)

konsolidasian.

of these consolidated financial statements.

(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)

unless otherwise stated)

30 Juni/ 30 Juni/

June 30, June 30,

2013 2012

Catatan/ (Tidak diaudit/ (Tidak Diaudit/

Notes Unaudited) Unaudited)

PENDAPATAN DAN OPERATING INCOME AND

BEBAN OPERASIONAL EXPENSES

Pendapatan dan beban Interest income and

bunga expenses

Pendapatan bunga 2y,32 5.256.441 4.557.650 Interest income

Beban bunga 2y,33 2.446.152 1.979.214 Interest expenses

Pendapatan bunga bersih 2.810.289 2.578.436 Net interest income

Pendapatan/(beban) Other operating income/

operasional lainnya (expenses)

Pendapatan operasional

lainnya: Other operating income:

Provisi dan komisi selain

dari kredit yang Fees and commissions

diberikan 2z 165.074 147.816 other than from loans

Keuntungan transaksi mata Gains on foreign exchange

uang asing - bersih 2c 58.301 134.209 transactions - net

Keuntungan penjualan

efek-efek yang

diperdagangkan Gains on sale

dan investasi of trading securities and

keuangan - bersih 2h,2i,34 110.959 17.992 financial investment - net

Pendapatan lainnya 35 714.722 737.740 Other fee income

Jumlah pendapatan Total other operating

operasional lainnya 1.049.056 1.037.757 income

Beban operasional lainnya: Other operating expenses:

Penyisihan kerugian

penurunan nilai atas Provision for impairment

instrumen keuangan - losses on financial

bersih 2o,36 324.830 566.155 instruments - net

Pemulihan kerugian Reversal for possible

atas aset non-produktif 2o,37 (570) (11.547) losses on non-earning assets

Umum dan administrasi 38 1.330.291 1.107.331 General and administrative

Penurunan nilai

efek-efek yang Decrease in value

diperdagangkan - bersih 2h,39 20.132 1.917 of trading securities - net

Tenaga kerja 40,46 1.226.716 1.139.373 Personnel

Jumlah beban Total other operating

operasional lainnya 2.901.399 2.803.229 expenses

Beban operasional lainnya - bersih (1.852.343) (1.765.472) Other operating expenses - net

PENDAPATAN

OPERASIONAL - BERSIH 957.946 812.964 OPERATING INCOME - NET

PENDAPATAN

NON-OPERASIONAL - BERSIH 41 8.458 10.566 NON-OPERATING INCOME - NET

LABA SEBELUM BEBAN PAJAK 966.404 823.530 INCOME BEFORE TAX EXPENSE

BEBAN PAJAK - BERSIH 2aa,23b (276.337) (249.226) TAX EXPENSE - NET

LABA PERIODE BERJALAN 48b 690.067 574.304 INCOME FOR THE PERIOD

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konsolidasian.

30 Juni/ 30 Juni/

June 30, June 30,

2013 2012

Pendapatan komprehensif Other comprehensive

lainnya: income:

Differences arising from

the translation of

Selisih kurs penjabaran foreign currency

laporan keuangan 5.243 4.017 financial statements

(Kerugian)/keuntungan yang belum

direalisasi atas Unrealized (losses)/gains on

perubahan nilai wajar change in fair value

investasi keuangan of available-for-sale

yang tersedia untuk dijual 9 (619.382) 1.319 financial investments

Jumlah yang ditransfer ke Amounts transferred to

laba rugi sehubungan profit and loss in respect of

dengan perubahan nilai wajar fair value change of

investasi keuangan yang available-for-sale

tersedia untuk dijual 9 187.095 3.202 financial investments

Pajak penghasilan terkait dengan Income tax relating to

komponen pendapatan components of other

komprehensif lainnya 23c 110.575 (1.114) comprehensive income

(Rugi)/laba komprehensif lainnya - Other comprehensive

bersih setelah pajak (316.469) 7.424 (losses)/income - net of tax

Jumlah laba komprehensif Total comprehensive

selama periode berjalan - income for the period -

bersih setelah pajak 373.598 581.728 net of tax

Laba periode berjalan yang Income for the period

dapat diatribusikan kepada: attributable to:

Equity holders of the

Pemilik entitas induk 42 680.857 591.574 parent company

Kepentingan non-pengendali 45 9.210 (17.270) Non-controlling interest

690.067 574.304

Jumlah laba komprehensif selama Total comprehensive

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

yang dapat diatribusikan kepada: of tax attributable to:

Equity holders of the

Pemilik entitas induk 364.388 598.998 parent company

Kepentingan non-pengendali 45 9.210 (17.270) Non-controlling interest

373.598 581.728

LABA PER SAHAM DASAR BASIC EARNINGS PER SHARE

(nilai penuh) 2ab,42 12 11 (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.

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

(Kerugian)/

keuntungan

yang belum

direalisasi atas

perubahan nilai

wajar investasi

keuangan yang

tersedia untuk

Selisih kurs dijual - setelah

penjabaran Selisih transaksi pajak tangguhan/

laporan keuangan/ antara pemegang Unrealized (losses)/

Differences saham gains on changes

arising from entitas anak/ in fair value of

the translation of Differences in available-for-sale Kepentingan

Tambahan modal foreign currency transaction between financial non-pengendali/

Catatan/ Modal saham/ disetor/Additional financial shareholders investments - net Cadangan umum/ Saldo laba/ Non-controlling

Notes Share capital paid-in capital statements of subsidiary of deferred tax General reserve Retained earnings Jumlah/Total interest Jumlah/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

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 - - 5.243 - - - - 5.243 - 5.243 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 tersedia untuk dijual financial investments - net

- setelah pajak tangguhan 2i - - - - (321.712 ) - - (321.712) - (321.712 ) of deferred tax

Pembentukan cadangan umum 28,29 - - - - - 120.822 (120.822) - - - Allocation for general reserve

Bagian kepentingan non-pengendali Net income of subsidiaries attributable

atas laba bersih entitas anak 45 - - - - - - - - 9.210 9.210 to non-controlling interest

Laba bersih periode berjalan - - - - - - 680.857 680.857 - 680.857 Net income for the period

Saldo 30 Juni 2013 3.407.411 1.828.428 (654) (73.681) (67.066) 264.475 4.504.141 9.863.054 178.037 10.041.091 Balance as of June 30, 2013

(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)/

keuntungan

yang belum

direalisasi atas

perubahan nilai

wajar investasi

keuangan yang

tersedia untuk

Selisih kurs Selisih dijual - setelah

penjabaran transaksi antara pajak tangguhan/

laporan keuangan/ pemegang saham Unrealized (losses)/

Differences entitas anak/ gains on changes

arising from Differences in fair value of

the translation of in transaction available-for-sale Kepentingan

Tambahan modal foreign currency betwen financial non-pengendali/

Catatan/ Modal saham/ disetor/Additional financial shareholders investments - net Cadangan umum/ Saldo laba/ Non-controlling

Notes Share capital paid-in capital statements of subsidiary of deferred tax General reserve Retained earnings Jumlah/Total interest Jumlah/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 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 - - 4.017 - - - - 4.017 - 4.017 financial statements

Perubahan keuntungan yang belum direalisasi Mutation of unrealized gains on changes

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

keuangan yang tersedia untuk dijual financial investments - net

- setelah pajak tangguhan 2i - - - - 3.407 - - 3.407 - 3.407 of deferred tax

Pembentukan cadangan umum - - - - - 66.896 (66.896) - - - Allocation for general reserve

Bagian kepentingan non-pengendali Net income of subsidiaries attributable

atas laba bersih entitas anak 45 - - - - - - - - (17.270) (17.270 ) to non-controlling interest

Laba bersih periode berjalan - - - - - - 591.574 591.574 - 591.574 Net income for the period

Saldo 30 Juni 2012 3.407.411 1.828.428 (6.470) (73.681 ) (239.726) 143.653 3.327.457 8.387.072 148.659 8.535.731 Balance as of June 30, 2012

(11)

konsolidasian.

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

30 Juni/ 30 Juni/

June 30, June 30,

2013 2012

ARUS KAS DARI AKTIVITAS CASH FLOWS FROM

OPERASI OPERATING ACTIVITIES

Bunga yang diperoleh 5.592.561 4.646.886 Interest received

Bunga yang dibayar (2.421.641) (1.861.195) Interest paid

Laba/(rugi) transaksi mata uang Gains/(losses) on foreign

asing - bersih 40.873 (27.155) currency transactions - net

Beban umum dan administrasi General and administrative

yang dibayar (1.062.797) (640.269) expenses paid

Tenaga kerja dan tunjangan

yang dibayar (1.111.871) (986.441) Personnel expenses paid

Pendapatan operasional lainnya Other operating income

yang diterima 705.512 738.608 received

Pendapatan operasional Other operating revenue

lainnya yang iterima - 2.229 received

Penerimaan dari Non-operating

pendapatan income

non-operasional - bersih 8.172 9.066 received - net

Cash flows from operating

Arus kas dari aktivitas operasi activities before changes

sebelum perubahan aset in operating assets and

dan liabilitas operasi 1.750.809 1.881.729 liabilities

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

operasi: operating assets:

Penempatan pada Bank Placements with Bank

Indonesia dan bank lain (810.860) (529.232) Indonesia and other banks

Efek-efek yang diperdagangkan 1.043.993 (617.796) Trading securities

Tagihan atas wesel ekspor 124.718 100.032 Receivables from export bills

Kredit yang diberikan (3.497.234) (6.678.653) Loans

Piutang pembiayaan Consumer financing

konsumen (1.083.490) (84.405) receivables

Tagihan akseptasi - (97) Acceptance receivables

Beban dibayar dimuka dan Prepayments and other

aset lain-lain (231.114) (222.428) assets

Kenaikan/(penurunan) Increase/(decrease) in

liabilitas operasi: operating liabilities:

Liabilitas segera (392.615) (213.993) Obligations due immediately

Simpanan dari nasabah Deposits from customers

dan bank lain 4.483.640 6.550.206 and other banks

Liabilitas lain-lain (865.748) (532.761) Other liabilities

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

aktivitas operasi 522.099 (347.398) operating activities

INVESTASI INVESTING ACTIVITIES

Penjualan efek-efek yang dibeli Sales of securities purchased

dengan janji dijual kembali 466.455 - under resale agreements

Penerimaan dari penjualan Proceeds from sale of

aset tetap 15 2.921 3.854 fixed assets

Pembayaran untuk pembelian Payment for acquisition of

investasi saham (5.830) - investment in shares

Pembelian aset tetap 15 (80.722) (74.770) Acquisition of fixed assets

(Pembelian)/penjualan (Purchase)/sale of marketable

efek-efek dan obligasi securities and government

rekapitalisasi pemerintah recapitalization bonds

tersedia untuk dijual (1.013.709) 218.306 available-for-sale

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

dari aktivitas investasi (630.885) 147.390 investing activities

(12)

konsolidasian.

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

30 Juni/ 30 Juni/

June 30, June 30,

2013 2012

PENDANAAN FINANCING ACTIVITIES

Penerimaan dari surat Proceeds from securities

berharga yang diterbitkan 1.350.000 625.000 issued

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

pinjaman diterima 82.391 (431.200) borrowings

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

non-pengendali 9.210 (868) non-controlling interest

Pelunasan surat Repayments of securities

berharga yang diterbitkan (521.000) (494.000) issued

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

aktivitas pendanaan 920.601 (301.068) financing activities

NET INCREASE/(DECREASE)

KENAIKAN/(PENURUNAN) BERSIH IN CASH AND

KAS DAN SETARA KAS 811.815 (501.076) CASH EQUIVALENTS

CASH AND CASH

KAS DAN SETARA KAS EQUIVALENTS AT

AWAL PERIODE 18.766.783 16.504.909 BEGINNING OF PERIOD

Pengaruh perubahan kurs Effect of foreign currency

mata uang asing 80.734 116.676 exchange rate changes

CASH AND CASH

KAS DAN SETARA KAS EQUIVALENTS AT

AKHIR PERIODE 19.659.332 16.120.509 END OF PERIOD

PENGUNGKAPAN TAMBAHAN SUPPLEMENTARY DISCLOSURES

Cash and cash equivalents

Kas dan setara kas terdiri dari: consist of:

Kas 4 1.753.986 1.488.539 Cash

Giro pada Bank Indonesia 5 8.195.790 6.917.008 Bank Indonesia

Giro pada bank lain 6 722.062 715.359 other banks

Penempatan pada Placements with Bank

Bank Indonesia dan Indonesia and other

bank lain yang jatuh banks that will mature

tempo dalam 3 bulan within 3 months from

dari tanggal akuisisi 8.987.494 6.999.603 the date of acquisition

Jumlah kas dan setara kas 19.659.332 16.120.509 Total cash and cash equivalents

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(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)

unless otherwise stated)

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, 326 kantor cabang pembantu, 7 kantor kas, 5 kantor cabang Syariah dan 2 kantor cabang pembantu Syariah per 30 Juni 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 Juni 2013 dan 31 Desember 2012 adalah masing-masing 7.573 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, 326 sub- branches, 7 cash offices, 5 Sharia branches and 2 Sharia sub-branches as of June 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 7,573 and 7,389 permanent employees as of June 30, 2013 and December 31, 2012, respectively.

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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.