PT Bank Internasional Indonesia Tbk dan entitas anak/and subsidiaries

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Consolidated financial statements September 30, 2011(Unaudited), December 31, 2010 (Audited) and January 1, 2010/

December 31, 2009 (Audited) and nine-month period ended September 30, 2011 and 2010 (Unaudited)

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PT BANK INTERNASIONAL INDONESIA TBK DAN ENTITAS ANAK

LAPORAN KEUANGAN KONSOLIDASIAN PERIODE SEMBILAN BULAN YANG BERAKHIR

PADA TANGGAL 30 SEPTEMBER 2011

PT BANK INTERNASIONAL INDONESIA TBK AND SUBSIDIARIES

CONSOLIDATED FINANCIAL STATEMENTS NINE-MONTH PERIOD ENDED

SEPTEMBER 30, 2011

Daftar Isi Table of Contents

Halaman/Pages

Consolidated Statements of Laporan Posisi Keuangan Konsolidasian..…………. 1-5 ……… Financial Position Laporan Laba Rugi Konsolidasian..………. 6-7 .……. Consolidated Statements of Income

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

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

Notes to the Consolidated Financial Catatan atas Laporan Keuangan Konsolidasian..…. 13-206 ..….……….……Statements

Statements of Financial Position Laporan Posisi Keuangan - Entitas Induk.…… Appendix 1 ……… ………….- Parent Company Laporan Laba Rugi - Entitas Induk.……… Appendix 2 ..Statements of Income - Parent Company

Laporan Laba Rugi Komprehensif - Statements Comprehensive Income - Entitas Induk………. Appendix 3 ……….……..Parent Company

Statements of Changes in Equity - Laporan Perubahan Ekuitas - Entitas Induk.…. Appendix 4 ...Parent Company

Statements of Cash Flows - Laporan Arus Kas - Entitas Induk..………. Appendix 5 ... Parent Company

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kecuali dinyatakan lain)

1 Januari/

January 1, 2010 30 September/ 31 Desember/ 31 Desember/

September 30, December 31, December 31,

2011 2010 2009

Catatan/ (Tidak Diaudit/ (Audit/ (Audit/

Notes Unaudited) Audited) Audited)

ASET

Kas 2c,4 1.404.728 1.702.224 1.432.055 Cash

Giro pada Bank Indonesia 2c,2e,2f,5 6.037.307 3.615.031 6.188.335 Current accounts with Bank Indonesia

Giro pada bank lain 2c,2f,2o,2p,6,51 Current accounts with other banks

Pihak berelasi 2af,43 942 470 - Related parties

Pihak ketiga 995.392 376.949 1.102.781 Third parties

996.334

377.419 1.102.781

Dikurangi: Penyisihan Less: Allowance for

kerugian penurunan nilai (558) (368) (11.166) impairment losses Giro pada bank lain - bersih 995.776 377.051 1.091.615 Current accounts with other banks - net

Penempatan pada Bank 2c,2g,2o, Placements with

Indonesia dan bank lain 2p,7,51 8.748.584 5.619.810 1.399.699 Bank Indonesia and other banks

kerugian penurunan nilai - - (7.501) impairment losses

Penempatan pada Bank Placements with

Indonesia dan bank lain - bersih 8.748.584 5.619.810 1.392.198 Bank Indonesia and other banks - net

Efek-efek yang diperdagangkan 2c,2h,2o,8 832.883 577.730 9.908 Trading securities

Investasi keuangan 2b,2c,2i,2o,2p,9,51 Financial investments

Pihak berelasi - - 1.100 Related parties

Pihak ketiga 7.558.882 6.975.964 9.577.027 Third parties

7.558.882

6.975.964 9.578.127

kerugian penurunan nilai (137.883) (118.445) (218.974) impairment losses Investasi keuangan - bersih 7.420.999 6.857.519 9.359.153 Financial investments - net

Tagihan derivatif 2c,2k,2o,2p,10,51 Derivatives receivable

Pihak berelasi 2af,43 405 76 2.901 Related parties

Pihak ketiga 121.572 12.066 15.580 Third parties

121.977

12.142 18.481

kerugian penurunan nilai - - (152) impairment losses Tagihan derivatif - bersih 121.977 12.142 18.329 Derivatives receivable - net

Kredit yang diberikan 2c,2l,2o,2p,11,51 Loans

Pihak berelasi 2af,43 66.755 43.368 32.791 Related parties

57.502.921

50.181.865 37.370.282

ASSETS

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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.

2 KONSOLIDASIAN (lanjutan)

30 September 2011 (Tidak Diaudit), 31 Desember 2010 (Audit) dan 1 Januari 2010/31 Desember 2009 (Audit)

(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)

FINANCIAL POSITION (continued) September 30, 2011 (Unaudited), December 31, 2010 (Audited) and January 1, 2010/December 31, 2009 (Audited)

(Expressed in millions of Rupiah, unless otherwise stated)

1 Januari/

2011 2010 2009

Dikurangi: Less:

Pendapatan biaya transaksi Unamortized transaction fees

ditangguhkan - (174.375) - Allowance for impairment

Penyisihan kerugian losses

penurunan nilai (1.246.420) (1.351.141) (870.133)

Kredit yang diberikan - bersih 56.256.501 48.656.349 36.500.149 Loans - net

Piutang pembiayaan 2n,2o,2p,12, Consumer financing

konsumen 51 6.670.297 5.753.223 3.903.254 receivables

Dikurangi: Less:

Pendapatan pembiayaan Unearned consumer financing

konsumen yang belum diakui (2.196.608) (2.199.253) (1.630.101) losses

Penyisihan kerugian Allowance for impairment

penurunan nilai (84.073) (64.345) (52.235) losses

Piutang pembiayaan Consumer financing

konsumen - bersih 4.389.616 3.489.625 2.220.918 receivables - net

Tagihan akseptasi 2c,2m,2o,2p, 661.904 977.591 406.009 Acceptances receivable

Dikurangi: Penyisihan 13 Less: Allowance for

kerugian penurunan nilai (6.580) (2.144) (3.807) impairment losses Tagihan akseptasi - bersih 655.324 975.447 402.202 Acceptances receivable - net

Aset pajak tangguhan 2ab,24c 399.321 362.149 336.848 Deferred tax assets

Aset tetap 2q,14 1.639.822 1.527.419 1.412.337 Fixed assets

Dikurangi: Akumulasi penyusutan (749.918) (710.680) (673.636) Less: Accumulated depreciation

Aset tetap - bersih 889.904 816.739 738.701 Fixed assets - net

Aset tidak berwujud 2b,2r,15 469.265 469.680 440.760 Intangible assets Dikurangi: Akumulasi amortisasi (414.612) (406.149) (364.582) Less: Accumulated amortization Aset tidak berwujud - bersih 54.653 63.531 76.178 Intangible assets - net

Beban dibayar dimuka dan Prepayments and

aset lain-lain 2c,2o,2p,2s 2.791.015 2.048.525 1.232.610 other assets

Dikurangi: 2t,2z,16 Penyisihan kerugian

penurunan nilai (10.800) (11.973) (5.479) Less: Allowance for impairment losses Penyisihan kerugian (64.380) (31.466) (27.946) Allowance for possible losses

Beban dibayar dimuka dan Prepayments and

aset lain-lain - bersih 2.715.835 2.005.086 1.199.185 other assets - net

JUMLAH ASET 49b 90.923.408 75.130.433 60.965.774 TOTAL ASSETS

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1 Januari/

January 1, 2010

30 September/ 31 Desember/ 31 Desember/

2011 2010 2009

Liabilitas segera 2c,2u,2af,17,43 1.703.124 779.618 622.824 Obligations due immediately

Simpanan nasabah 2c,2v,18 Deposits from customers

66.647.516

59.901.960 47.341.248

Simpanan dari bank lain 2c,2w,19 Deposits from other banks

Pihak ketiga 2.331.783 861.022 1.169.344 Third parties

2.948.915

887.793 1.171.649

Efek-efek yang dijual dengan Securities sold under repurchased

janji dibeli kembali 2j,20 - 351.624 889.264 agreements Dikurangi: Beban bunga

yang belum diamortisasi - (2.458) (13.773) Less: Unamortized interest

Efek-efek yang dijual dengan Securities sold under repurchased

janji dibeli kembali - bersih - 349.166 875.491 agreements - net

Liabilitas derivatif 2c,2k,10 94.147 9.705 22.196 Derivatives payable

Liabilitas akseptasi 2c,2m,13 Acceptances payable

Pihak ketiga 644.136 870.298 301.192 Third parties

661.904

977.591 406.009

Surat berharga yang diterbitkan 2c,2x,21 Securities issued

Pihak berelasi 2af,43 2.255.608 - - Related parties

6.260.557

1.346.159 1.157.300

Pinjaman diterima 2c,2y,22 Borrowings

Pihak berelasi 2af,43 - 345.219 717.150 Related parties

Pihak ketiga 2.169.399 514.618 470.952 Third parties

2.169.399

859.837 1.188.102

Estimasi kerugian komitmen Estimated losses on

dan kontinjensi 2c,2o,2p,23 36.983 32.292 40.789 commitments and contingencies

Hutang pajak 2c,2ab,24a 313.232 72.833 108.408 Taxes payable

Liabilitas pajak tangguhan 2ab,24c 65.659 58.653 2.649 Deferred tax liabilities

Beban yang masih harus dibayar 2c,2z, Accrued expenses

dan liabilitas lain-lain 2ad,25 and other liabilities

Pihak berelasi 2af,43 260 2.416 5.718 Related parties

2.255.712

2.395.630 1.212.509

Pinjaman subordinasi - - 1.389.548 Subordinated loans

JUMLAH LIABILITAS 49b 83.157.148 67.671.237 55.538.722 TOTAL LIABILITIES

LIABILITAS DAN EKUITAS LIABILITIES AND EQUITY

LIABILITAS LIABILITIES

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konsolidasian.

4 KONSOLIDASIAN (lanjutan)

30 September 2011 (Tidak Diaudit), 31 Desember 2010 (Audit) dan 1 Januari 2010/31 Desember 2009 (Audit)

FINANCIAL POSITION (continued) September 30, 2011 (Unaudited), December 31, 2010 (Audited) and January 1, 2010/December 31, 2009 (Audited)

1 Januari/

2011 2010 2009

Modal Saham Share Capital

Modal Dasar - Authorized Capital -

476.608.857.231 saham 476,608,857,231 shares as

per 30 September 2011, of September 30, 2011,

31 Desember 2010 dan December 30, 2010 and

1 Januari 2010/31 Desember 2009 January 1, 2010/December 31, 2009

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

per 30 September 2011 dan as of September 30, 2011 and

31 Desember 2010 December 31, 2010

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

dan 40.749.090.000 saham Seri D and 40,749,090,000 Series D shares

per 1 Januari 2010/ as of January 1, 2010/

31 Desember 2009 26 3.407.411 3.407.411 3.266.706 December 31, 2009

EKUITAS EQUITY

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kecuali dinyatakan lain) unless otherwise stated)

1 Januari/

2011 2010 2009

Tambahan modal disetor 27 1.828.428 1.828.428 566.560 Additional paid-in capital

Selisih kurs penjabaran Differences arising from the translation of

laporan keuangan 2c,30 (15.568) (18.550) (15.951) foreign currency financial statements

Kerugian yang belum direalisasi Unrealized losses on

atas perubahan nilai wajar changes in fair value of

investasi keuangan yang available-for-sale financial

tersedia untuk dijual - investments - net

setelah pajak tangguhan 2i (310.855) (198.158) (356.562) of deferred tax

Selisih transaksi antara Differences in transaction between

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

Cadangan umum 29 76.757 30.658 30.658 General reserve

Saldo laba 2ai,51,56 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) 2.689.104 2.179.915 1.767.548 as of December 31, 2003)

7.601.596

7.229.704 5.258.959

Kepentingan non-pengendali 45 164.664 229.492 168.093 Non-controlling interest

JUMLAH EKUITAS 7.766.260 7.459.196 5.427.052 TOTAL EQUITY

JUMLAH LIABILITAS DAN EKUITAS 90.923.408 75.130.433 60.965.774 TOTAL LIABILITIES AND EQUITY

EKUITAS (lanjutan) EQUITY (continued)

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konsolidasian.

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

6 Periode Sembilan Bulan yang Berakhir pada

Tanggal 30 September 2011 dan 2010 (Tidak Diaudit)

Nine-Month Period Ended September 30, 2011 and 2010

(Unaudited)

30 September/ 30 September/

September 30, September 30,

2011 2010

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 2z,32 5.795.910 4.666.777 Interest income

Beban bunga 2z,33 2.789.789 2.097.545 Interest expense

Pendapatan bunga bersih 3.006.121 2.569.232 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 2aa 211.579 192.652 other than from loans

Keuntungan transaksi mata Gains on foreign exchange

uang asing - bersih 2c 98.368 61.901 transactions - net

Keuntungan penjualan

efek-efek yang Gains on sale of trading

diperdagangkan dan investasi securities and financial

keuangan - bersih 2h,2i,34 15.361 58.270 investments - net

Pendapatan lainnya 35 1.280.215 1.146.109 Others fee income

Jumlah pendapatan operasional Total other operating

lainnya 1.605.523 1.458.932 income

Beban operasional lainnya: Other operating expenses:

Penyisihan kerugian Allowance for

penurunan nilai atas impairment losses on financial

instrumen keuangan - bersih 2p,36 875.559 848.304 instruments - net

Penyisihan kerugian atas aset Provision for possible losses

non-produktif 2o,37 34.575 2.495 on non-earning assets

Estimasi kerugian komitmen Estimated losses on

dan kontinjensi 2o,2p,23b 5.355 3.428 commitments and contingencies

Umum dan administrasi 38 1.526.915 1.365.751 General and administrative

Penurunan/(kenaikan) nilai efek-efek Decrease/(increase) in value of

yang diperdagangkan - bersih 2h,39 13.329 (9.076) trading securities - net

Tenaga kerja 40,47 1.387.446 1.142.976 Personnel

Jumlah beban Total other operating

operasional lainnya 3.843.179 3.353.878 expenses

Beban operasional Other operating expenses -

lainnya - bersih (2.237.656) (1.894.946) net

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2011 2010

PENDAPATAN OPERASIONAL

- BERSIH 768.465 674.286 OPERATING INCOME - NET

PENDAPATAN NON- NON-OPERATING

OPERASIONAL - BERSIH 41 21.966 21.811 INCOME - NET

LABA SEBELUM INCOME BEFORE

BEBAN PAJAK 790.431 696.097 TAX EXPENSE

BEBAN PAJAK - BERSIH 2ab,24b (234.275) (217.260) TAX EXPENSE - NET

LABA PERIODE BERJALAN 49b 556.156 478.837 INCOME FOR THE PERIOD

Diatribusikan kepada: Attributable to:

Pemilik entitas induk 555.288 415.164 Equity holders of the parent company Kepentingan non-pengendali 45 868 63.673 Non-controlling interests

556.156

478.837

LABA PER SAHAM DASAR BASIC EARNINGS PER SHARE

(nilai penuh) 2ac,42 10 8 (full amount)

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konsolidasian.

8 LAPORAN LABA RUGI

KOMPREHENSIF KONSOLIDASIAN Periode Sembilan Bulan yang Berakhir pada

Tanggal 30 September 2011 dan 2010 (Tidak Diaudit)

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME

Nine-Month Period Ended September 30, 2011 and 2010

(Unaudited)

2011 2010

LABA PERIODE BERJALAN 49b 556.156 478.837 INCOME FOR THE PERIOD

Laba komprehensif lainnya: Other comprehensive income:

Selisih kurs penjabaran Differences arising from the translation of

laporan keuangan 2.982 (2.940) foreign currency financial statements

Kerugian yang belum direalisasi atas perubahan Unrealized losses on changes in fair value

nilai wajar investasi keuangan yang of available-for-sale financial

tersedia untuk dijual - setelah pajak tangguhan (112.697) (48.996) investments - net of deferred tax

Rugi komprehensif lainnya - Other comprehensive

bersih setelah pajak (109.715) (51.936) loss - net of tax

Jumlah laba komprehensif Total comprehensive

selama periode berjalan - income for the

bersih setelah pajak 446.441 426.901 period - net of tax

Diatribusikan kepada: Attributable to:

Pemilik entitas induk 445.573 363.228 Equity holders of the parent company Kepentingan non-pengendali 45 868 63.673 Non-controlling interest

446.441

426.901

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Kerugian yang belum direalisasi atas Selisih perubahan nilai wajar

kurs investasi keuangan

penjabaran yang tersedia untuk

laporan dijual - setelah pajak

keuangan/ tangguhan/

Tambahan Differences Unrealized losses

modal arising from on changes

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

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

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

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

Saldo 1 Januari 2010/31 Desember 2009 3.266.706 566.560 (15.951) (356.562) 30.658 1.767.548 5.258.959 168.093 5.427.052 Balance as of January 1, 2010/December 31, 2009

Penerbitan saham melalui Penawaran Umum Terbatas V 26,27 140.705 1.261.868 - - - - 1.402.573 - 1.402.573 Issuance of shares through Limited Public Offering V Decrease in foreign exchange diffferences arising

Penurunan atas selisih kurs karena penjabaran laporan keuangan from the translation of overseas branches' foreign currency

cabang luar negeri dalam mata uang asing 2c - - (2.940) - - - (2.940) - (2.940) financial statements

Perubahan kerugian yang belum direalisasi atas perubahan nilai Mutation of unrealized losses on changes in fair value of

wajar investasi keuangan yang tersedia untuk dijual - setelah available-for-sale financial investments -

pajak tangguhan 2i - - - (48.996) - - (48.996) - (48.996) net of deferred tax

Dampak atas penerapan awal PSAK 50/55 - - - - - (19.205) (19.205) (7.490) (26.695) Effect of first adoption of SFAS 50/55

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

entitas anak periode berjalan - - - - - - - 63.673 63.673 interest Laba bersih periode berjalan - - - - - 415.164 415.164 - 415.164 Net Income for the period Saldo 30 September 2010 3.407.411 1.828.428 (18.891) (405.558) 30.658 2.163.507 7.005.555 224.276 7.229.831 Balance as of September 30, 2010

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

10

(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)

Kerugian yang belum direalisasi atas

Selisih perubahan nilai wajar Selisih

kurs investasi keuangan transaksi

penjabaran yang tersedia untuk antara

laporan dijual - setelah pajak pemegang saham

keuangan/ tangguhan/ entitas anak/

Tambahan Differences Unrealized losses Differences

modal arising from on changes in transaction

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

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

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

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

Saldo 1 Januari 2010/31 Desember 2009 3.266.706 566.560 (15.951) (356.562) - 30.658 1.767.548 5.258.959 168.093 5.427.052 Balance as of January 1, 2010/December 31, 2009

Penerbitan saham melalui Penawaran Issuance of shares through Limited Public

Umum Terbatas V 26,27 140.705 1.261.868 - - - - - 1.402.573 - 1.402.573 Offering V

Penurunan atas selisih kurs karena Decrease in foreign exchange difference

penjabaran laporan keuangan arising from the translation of

cabang luar negeri overseas branches' foreign currency

dalam mata uang asing 2c - - (2.599) - - - - (2.599) - (2.599) 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 - - - 158.404 - - - 158.404 - 158.404 of deferred tax Dampak atas penerapan awal PSAK 50/55 51 - - - - - - (48.622) (48.622) (8.738) (57.360) Effect of first adoption of SFAS 50/55

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

entitas anak 45 - - - - - - - - 70.137 70.137 interest

Laba bersih tahun berjalan - - - - - - 460.989 460.989 - 460.989 Net income for the year Saldo 31 Desember 2010 3.407.411 1.828.428 (18.550) (198.158) - 30.658 2.179.915 7.229.704 229.492 7.459.196 Balance as of December 31, 2010

Decrease in foreign exchange differences

Penurunan atas selisih kurs karena penjabaran arising from the translation of

laporan keuangan cabang luar negeri overseas branches' foreign currency

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

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 invesments - net

- setelah pajak tangguhan 2i - - - (112.697) - - - (112.697) - (112.697) of deferred tax

Selisih transaksi antara pemegang Differences transaction between

entitas anak - - - - (73.681) - - (73.681) - (73.681) shareholders of subsidiary Pembentukan cadangan umum - - - - - 46.099 (46.099) - - - Allocation for general reserve

Pembayaran dividen tunai kepada Payment for cash dividends

kepentingan non-pengendali 45 - - - - - - - - (13.992) (13.992) to non-controlling interest Penambahan penyertaan saham - - - - - - - - (51.704) (51.704) Increase in share ownership

dalam entitas anak 45 in subsidiary

Bagian kepentingan non-pengendali Net income of subsidiaries attributable

atas laba bersih entitas anak 45 - - - - - - - - 868 868 to non-controlling interest Laba bersih periode berjalan - - - - - - 555.288 555.288 - 555.288 Net Income for the period Saldo 30 September 2011 3.407.411 1.828.428 (15.568) (310.855) (73.681) 76.757 2.689.104 7.601.596 164.664 7.766.260 Balance as of September 30, 2011

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

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2011 2010

ARUS KAS DARI AKTIVITAS CASH FLOWS FROM

OPERASI OPERATING ACTIVITIES

Bunga yang diperoleh 5.947.188 4.841.527 Interest received

Bunga yang dibayar (2.775.780) (2.104.002) Interest paid

Laba transaksi mata uang Gains on foreign currency

asing - bersih 89.802 69.620 transactions - net

Pendapatan operasional lainnya Other operating income

yang diterima 1.328.328 1.076.480 received

Beban operasional lainnya

yang dibayar (105.771) 13.746 Other operating expenses paid

Tenaga kerja dan tunjangan

yang dibayar (1.218.175) (1.038.407) Personnel expenses paid

Beban umum dan administrasi General and administrative

yang dibayar (1.412.218) (1.289.033) expenses paid

Penerimaan dari pendapatan Non-operating

non-operasional - bersih 718 74.911 income received - net

Arus kas dari aktivitas operasi Cash flows from operating

sebelum perubahan aset activities before changes in

dan liabilitas operasi 1.854.092 1.644.842 operating assets and liabilities

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

operasi: assets:

Penempatan pada Bank Placements with Bank

Indonesia dan bank lain (3.174.006) 450.959 Indonesia and other banks

Efek-efek yang diperdagangkan (256.836) (676.095) Trading securities

Tagihan atas wesel ekspor (368.097) (323.812) Receivables from export bills

Kredit yang diberikan (8.277.857) (10.918.045) Loans

Piutang pembiayaan Consumer financing receivables

konsumen (1.025.157) (800.042)

Beban dibayar dimuka dan Prepayments and other

aset lain-lain (470.632) (1.043.879) assets

Kenaikan/(penurunan) Increase/(decrease) in

liabilitas operasi: operating liabilities:

Liabilitas segera 923.506 132.402 Obligations due immediately

Simpanan dari nasabah dan Deposits from customers and

bank lain 8.806.678 8.403.438 other banks

Liabilitas lain-lain (330.524) 543.517 Other liabilities

Kas bersih digunakan untuk Net cash used in

aktivitas operasi (2.318.833) (2.586.715) operating activities

ARUS KAS DARI AKTIVITAS CASH FLOW FROM

INVESTASI INVESTING ACTIVITIES

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

dan obligasi rekapitalisasi securities and government

pemerintah tersedia untuk recapitalization bonds

dijual (517.653) 1.316.645 available-for-sale

Kas bersih yang dibayar untuk akuisisi Cash paid for acquisition

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

Penerimaan dari penjualan Proceeds from sale of

aset tetap 14 3.046 5.760 fixed assets

Pembelian aset tetap 14 (176.429) (115.265) Acquisition of fixed assets

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

diperoleh dari aktivitas investasi (816.422) 1.207.140 investing activities

(14)

konsolidasian.

12 (lanjutan)

Periode Sembilan Bulan yang Berakhir pada Tanggal 30 September 2011 dan 2010

(Tidak Diaudit)

(continued) Nine-Month Period Ended September 30, 2011 and 2010

(Unaudited)

2011 2010

ARUS KAS DARI AKTIVITAS CASH FLOWS FROM

PENDANAAN FINANCING ACTIVITIES

Penambahan dari modal saham - 1.407.050 Addition of share capital

Pembayaran biaya emisi Payment of share issuance

efek ekuitas - (4.477) costs

(Pembelian)/penjualan kembali (Repurchase)/resale of

efek-efek yang dijual dengan janji securities sold under

dibeli kembali (349.166) 1.030.814 repurchased agreements

(Penurunan)/kenaikan kepentingan (Decrease)/increase in non-controlling

non-pengendali (52.572) 56.183 interest

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

yang diterima 1.309.563 (162.132) borrowings

Pembayaran atas pinjaman subordinasi - (1.356.150) Payment of subordinated loans

Penerimaan surat berharga Proceeds from securities

yang diterbitkan 5.258.000 648.097 issued

Pelunasan surat berharga Repayments of securities

yang diterbitkan (335.000) (385.000) issued

Pembagian dividen tunai kepada Distribution of cash dividends

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

Kas bersih diperoleh dari Net cash provided by

aktivitas pendanaan 5.816.833 1.234.385 financing activities

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

KAS DAN SETARA KAS 2.681.578 (145.190) AND CASH EQUIVALENTS

CASH AND CASH

KAS DAN SETARA KAS EQUIVALENTS AT

AWAL PERIODE 11.364.484 10.541.488 BEGINNING OF PERIOD

Pengaruh perubahan kurs mata Effect of foreign currency exchange rate

uang asing (33.113) (62.261) changes

KAS DAN SETARA KAS CASH AND CASH EQUIVALENTS

AKHIR PERIODE 14.012.949 10.334.037 AT END OF PERIOD

PENGUNGKAPAN TAMBAHAN SUPPLEMENTARY DISCLOSURES

Cash and cash equivalents

Kas dan setara kas terdiri dari: consist of:

Kas 4 1.404.728 1.693.244 Cash

Giro pada Bank Indonesia 5 6.037.307 2.155.190 Current accounts with Bank Indonesia

Giro pada bank lain 6 996.336 659.860 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 5.574.578 5.755.865 the date of acquisition

Sertifikat Bank Indonesia dan

Sertifikat Bank Indonesia Syariah Certificates of Bank Indonesia and

yang jatuh tempo dalam Certificates of Bank Indonesia Sharia

Syariah yang jatuh tempo dalam that will mature within

3 bulan dari tanggal akuisisi - 69.878 3 months from the date of acquisition Jumlah kas dan setara kas 14.012.949 10.334.037 Total cash and cash equivalents

AKTIVITAS YANG TIDAK

MEMPENGARUHI ARUS KAS: ACTIVITIES NOT AFFECTING

CASH FLOWS:

Selisih kurs penjabaran Differences arising from the

laporan keuangan 30 (15.568) (18.891) translation of foreign currency

financial statements Kerugian yang belum

direalisasi atas Unrealized losses

perubahan nilai wajar on changes in fair value

investasi keuangan yang of available-for-sale

tersedia untuk dijual - setelah financial investments -

pajak tangguhan (310.855) (405.558) net of deferred tax

(15)

1. UMUM a. Pendirian

1. GENERAL

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

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

PT Bank Internasional Indonesia Tbk (the

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

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

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

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

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

Pursuant to Directors of Bank Indonesia Decree No. 21/11/Dir/UPPS dated November 9, 1988, the Bank obtained an approval to upgrade its status to a foreign exchange bank. On September 5, 2002, by virtue of notarial deed No. 16 of Notary Fathiah Helmi, S.H., and approval by the Minister of Justice and Human Rights of the Republic of Indonesia in his Decision Letter No. C-19589.HT.01.04.TH.2002 dated October 10, 2002, the Bank added banking activities based on Sharia principles in its commercial activities. The Bank commenced its Sharia banking activities since May 2003.

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

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