PT Bank Internasional Indonesia Tbk dan anak perusahaan/and subsidiaries

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DAN 2009 (AUDIT)

Daftar Isi Table of Contents

Halaman/Pages

Neraca Konsolidasian..……….. 1-6 ………..Consolidated Balance Sheets Laporan Laba Rugi Konsolidasian..………. 7-8 .……. Consolidated Statements of Income

Consolidated Statements of Changes Laporan Perubahan Ekuitas Konsolidasian..………. 9-10 ...……….in Equity Laporan Arus Kas Konsolidasian..……….. 11 -13 ...Consolidated Statements of Cash Flows

Notes to the Consolidated Financial Catatan atas Laporan Keuangan Konsolidasian..…. 14 -202 ..….……….……Statements Informasi Konsolidasi………..……….. 203 ………...Consolidating Information Neraca - Perusahaan Induk.…….……… Appendix 1 ………Balance Sheets - Parent Company Laporan Laba Rugi - Perusahaan Induk.……… Appendix 2 ..Statements of Income - Parent Company

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

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

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(Tidak diaudit/ Catatan/ As restated Unaudited) Notes - Note 3)

ASET ASSETS

Kas 1.276.198 2c,4 1.070.136 Cash

Giro pada Bank Indonesia 5.639.272 2c,2e,2f,5 4.117.649 Current accounts with Bank Indonesia

Giro pada bank lain 637.095 2c,2f,2o, 662.455 Current accounts with other banks Dikurangi: Penyisihan kerugian 2p,6,44

penurunan nilai (457 ) (7.041) Less: Allowance for impairment losses

Current accounts with

Giro pada bank lain - bersih 636.638 655.414 other banks - net

Penempatan pada Bank 2c,2g,2o, Placements with Bank Indonesia Indonesia dan bank lain 930.359 2p,7 1.062.274 and other banks

Dikurangi: Penyisihan kerugian

penurunan nilai - (9.873) Less: Allowance for impairment losses

Penempatan pada Bank Placements with Bank Indonesia

Indonesia dan bank lain - bersih 930.359 1.052.401 and other banks - net

Efek-efek yang diperdagangkan 313.377 2c,2h,2p,8 13.708 Trading securities Investasi keuangan 2b,2c,2i,2o Financial investments

2p,9, 44

Pihak terkait - 1.100 Related parties

Pihak ketiga 9.049.473 10.250.673 Third parties

9.049.473 10.251.773

penurunan nilai (100.296 ) (39.564) Less: Allowance for impairment losses

Investasi keuangan - bersih 8.949.177 10.212.209 Financial investments - net

2c,2k,2o

Tagihan derivatif 22.477 2p,10 50.797 Derivative receivable

penurunan nilai - (236) Less: Allowance for impairment losses

Tagihan derivatif - bersih 22.477 50.561 Derivatives receivable - net

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2009

(Audit/Audited)

(Disajikan kembali

2010 - Catatan 3/

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

Pihak terkait 33.942 11,44 26.960 Related parties

Pihak ketiga 44.628.380 32.877.237 Third parties

44.662.322 32.904.197

penurunan nilai (1.044.508 ) (1.123.127) Less: Allowance for impairment losses

Kredit yang diberikan - bersih 43.617.814 31.781.070 Loans - net

Piutang pembiayaan konsumen 4.566.237 2n,2o,2p,12 4.148.840 Consumer financing receivables

Dikurangi: Less:

Pendapatan pembiayaan Unearned consumer financing

konsumen yang belum diakui (1.945.406 ) (1.617.915) receivables

Penyisihan kerugian

penurunan nilai (48.718 ) (75.130) Allowance for impairment losses

Piutang pembiayaan Consumer financing

konsumen - bersih 2.572.113 2.455.795 receivables - net

Tagihan akseptasi 428.520 2c,2m,2o, 615.225 Acceptances receivable Dikurangi: Penyisihan kerugian 2p,13

penurunan nilai (4.062 ) (7.455) Less: Allowance for impairment losses

Tagihan akseptasi - bersih 424.458 607.770 Acceptances receivable - net

Aset pajak tangguhan 383.256 2ac,24 414.213 Deferred tax assets

Aset tetap 1.442.342 2q,14 1.347.571 Fixed assets

Dikurangi: Akumulasi penyusutan (692.654 ) (620.441) Less: Accumulated depreciation

Aset tetap - bersih 749.688 727.130 Fixed assets - net

Aset tidak berwujud - bersih 52.210 2b,2r,15 105.912 Intangible assets - net

Beban dibayar dimuka dan 2c,2o,2p,2s, Prepayments and

aset lain-lain - bersih 2.072.609 2t,2aa,16 1.293.907 other assets - net

JUMLAH ASET 67.639.646 50b 54.557.875 TOTAL ASSETS

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(Audit/Audited)

2010 - Catatan 3/

KEWAJIBAN DAN EKUITAS LIABILITIES AND EQUITY

KEWAJIBAN LIABILITIES

Kewajiban segera 872.746 2c,2u,17 671.495 Obligations due immediately

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

Pihak terkait 50.104 44 47.443 Related parties

Pihak ketiga 52.163.928 42.343.258 Third parties

52.214.032 42.390.701

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

Pihak terkait 38.043 44 3.491 Related parties

Pihak ketiga 1.689.629 514.113 Third parties

1.727.672 517.604

Efek-efek yang dijual dengan 2j,20 Securities sold under repurchased

janji dibeli kembali 1.155.260 - agreements

Dikurangi: Beban bunga yang

belum diamortisasi (15.048 ) - Less: Unamortized interest

Efek-efek yang dijual dengan Securities sold under repurchased janji dibeli kembali - bersih 1.140.212 - agreements - net

Kewajiban derivatif 20.211 2c,2k, 30.402 Derivatives payable

10

Kewajiban akseptasi 2c,2m, Acceptances payable

Pihak terkait 100.938 13,44 140.360 Related parties

Pihak ketiga 327.582 474.865 Third parties

428.520 615.225

Surat berharga yang diterbitkan 873.287 2x,21 1.156.044 Securities issued

Pinjaman diterima 2y,22,44 Borrowings

Pihak terkait 528.843 902.125 Related parties

Pihak ketiga 629.682 810.673 Third parties

1.158.525 1.712.798

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2009

(Audit/Audited)

2010 - Catatan 3/

Estimasi kerugian komitmen Estimated losses on commitments dan kontinjensi 30.476 2c,2o,2p,23 29.494 and contingencies

Hutang pajak 198.951 2c,2ac,24 60.552 Taxes payable

Kewajiban pajak tangguhan 35.382 2ac,24 124 Deferred tax liabilities

Beban yang masih harus dibayar 2c,2aa,2ae, Accrued expenses and

dan kewajiban lainnya 25,44 other liabilities

Pihak terkait 3.921 7.103 Related parties

Pihak ketiga 1.844.209 1.090.553 Third parties

1.848.130 1.097.656

Pinjaman subordinasi - 2c,2z,26 1.507.637 Subordinated loans

JUMLAH KEWAJIBAN 60.548.144 50b 49.789.732 TOTAL LIABILITIES

HAK MINORITAS 203.180 46 143.127 MINORITY INTEREST

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2009

(Audit/Audited)

2010 - Catatan 3/

EKUITAS EQUITY

Modal Saham Share Capital

Modal Dasar - Authorized Capital -

476.608.857.231 saham per 476,608,857,231 shares 30 Juni 2010 dan 2009 as of June 30, 2010 and 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 dengan nilai nominal shares 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 shares with a par value of

Rp22,50 (nilai penuh) Rp22.50 (full amount)

per saham per share

Modal ditempatkan dan

disetor penuh Issued and paid-up capital

388.146.231 saham Seri A, 388,146,231 Series A shares, 8.891.200.000 saham Seri B, 8,891,200,000 Series B shares,

dan 47.002.644.529 saham and 47,002,644,529

Seri D per 30 Juni 2010 Series D shares

as of June 30, 2010

388,146,231 Series A shares,

388.146.231 saham Seri A, 8,891,200,000 Series B shares, 8.891.200.000 saham Seri B, and 40,749,090,000,

dan 40.749.090.000 saham Series D shares

Seri D per 30 Juni 2009 3.407.411 27 3.266.706 as of June 30, 2009 Tambahan modal disetor 1.828.428 28 566.560 Additional paid-in capital

Differences arising from the

Selisih kurs penjabaran laporan translation of foreign currency keuangan (16.598 ) 2c,31 (12.973) financial statements

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2009

(Audit/Audited)

2010 - Catatan 3/

EKUITAS (lanjutan) EQUITY (continued)

Kerugian yang belum direalisasi Unrealized losses on

atas perubahan nilai wajar changes in fair value of instrumen keuangan yang available-for-sale financial

tersedia untuk dijual - instruments - net

setelah pajak tangguhan (435.796 ) 2i (671.359) of deferred tax

Cadangan umum 30.658 30 30.658 General reserve

Saldo laba 2aj,57 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) 2.074.219 1.445.424 as of December 31, 2003)

JUMLAH EKUITAS 6.888.322 4.625.016 TOTAL EQUITY

JUMLAH KEWAJIBAN TOTAL LIABILITIES

DAN EKUITAS 67.639.646 54.557.875 AND EQUITY

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2009

(Audit/Audited)

2010 - Catatan 3/

PENDAPATAN DAN BEBAN OPERATING INCOME AND

OPERASIONAL EXPENSES

Pendapatan dan beban bunga Interest income and expenses Pendapatan bunga 2.907.311 2aa,33,50b 3.175.244 Interest income

Pendapatan provisi dan komisi 84.551 2ab 49.681 Fees and commission income

Jumlah pendapatan bunga 2.991.862 3.224.925 Total interest income

Beban bunga 1.352.588 2aa,34 1.727.307 Interest expense

Beban provisi dan komisi 5.477 2ab 6.201 Fees and commission expenses

Jumlah beban bunga 1.358.065 1.733.508 Total interest expense

Pendapatan bunga bersih 1.633.797 1.491.417 Net interest income

Pendapatan/(beban) operasional Other operating income/

lainnya (expenses)

Pendapatan operasional lainnya: Other operating income:

Provisi dan komisi selain dari Fees and commissions kredit yang diberikan 131.679 2ab 149.530 other than from loans

Keuntungan transaksi mata Gains on foreign exchange uang asing - bersih 45.820 2c 78.158 transactions - net

Keuntungan/(kerugian)

penjualan efek-efek yang Gains/(losses) on sale of trading

diperdagangkan dan securities and financial

investasi keuangan - bersih 48.026 2h,2i,35 (12.698) investments - net

Pendapatan lainnya 746.204 36 541.888 Other fee income

Jumlah pendapatan operasional Total other operating

lainnya 971.729 756.878 income

Beban operasional lainnya: Other operating expenses:

Kerugian penurunan nilai Allowance for

atas instrumen keuangan impairment losses on financial

- bersih 471.598 2o,2p,37 1.157.713 instruments - net Penyisihan kerugian atas aset Provision for possible losses

non-produktif 2.426 2o,38 16.325 for non-earning assets

Estimasi kerugian komitmen Estimated losses on

dan kontinjensi (1.014 ) 2o,2p,23 (1.547) commitments and contingencies Beban umum dan administrasi 839.983 39 829.640 General and administrative

Penurunan nilai efek-efek yang Decrease in value

diperdagangkan 3.339 2h,40 17.029 of trading securities

2ae,

Tenaga kerja 752.868 41,48 594.719 Personnel

Jumlah beban operasional lainnya 2.069.200 2.613.879 Total other operating expenses

Beban operasional lainnya - bersih (1.097.471 ) (1.857.001) Other operating expenses - net

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kecuali dinyatakan lain) unless otherwise stated)

2009

(Audit/Audited)

2010 - Catatan 3/

PENDAPATAN/(BEBAN) OPERATING INCOME/

OPERASIONAL - BERSIH 536.326 50b (365.584) (EXPENSE) - NET

BEBAN NON OPERASIONAL

- BERSIH (4.079 ) 42 (12.169) NON-OPERATING EXPENSE - NET

LABA/(RUGI) SEBELUM INCOME/(LOSS) BEFORE

BEBAN PAJAK 532.247 (377.753) TAX EXPENSES

(BEBAN)/PENDAPATAN

PAJAK - BERSIH (163.794 ) 2ac,24b 20.011 TAX (EXPENSES)/INCOME - NET HAK MINORITAS (42.577 ) 46 (5.351) MINORITY INTEREST

LABA/(RUGI) BERSIH 325.876 50b (363.093) NET INCOME/(LOSS)

LABA/(RUGI) BASIC EARNINGS/(LOSS)

PER SAHAM DASAR PER SHARE

(nilai penuh) 6 2ad,43 (7) (full amount)

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2009

(Audit/Audited)

2010 - Catatan 3/

MODAL DITEMPATKAN DAN ISSUED AND PAID-UP

DISETOR PENUH 27,57 CAPITAL

Saldo awal periode 3.266.706 3.266.706 Balance at beginning of period

Penerbitan saham melalui Issuance of shares through

Penawaran Umum Terbatas V 140.705 - Limited Public Offering V

Saldo akhir periode 3.407.411 3.266.706 Balance at end of period

TAMBAHAN MODAL DISETOR 28,57 ADDITIONAL PAID-IN CAPITAL Saldo awal periode 566.560 566.560 Balance at beginning of period

Penerbitan saham melalui Issuance of shares through

Penawaran Umum Terbatas V 1.261.868 - Limited Public Offering V

Saldo akhir periode 1.828.428 566.560 Balance at end of period

DIFFERENCES ARISING

FROM THE TRANSLATION

SELISIH KURS PENJABARAN OF FOREIGN CURRENCY

LAPORAN KEUANGAN 2c,31 FINANCIAL STATEMENTS

Saldo awal periode (15.951 ) (11.041) Balance at beginning of period

Penurunan atas selisih kurs Decrease in foreign exchange

karena penjabaran differences arising from

laporan keuangan cabang the translation of overseas

luar negeri dalam mata branches’ foreign currency

uang asing (647 ) (1.932) financial statements

Saldo akhir periode (16.598 ) (12.973) Balance at end of period

KERUGIAN YANG BELUM

DIREALISASI ATAS PERUBAHAN UNREALIZED LOSSES ON NILAI WAJAR INVESTASI CHANGES IN FAIR VALUE OF

KEUANGAN TERSEDIA AVAILABLE-FOR-SALE

UNTUK DIJUAL - SETELAH FINANCIAL INVESTMENTS - DIKURANGI PAJAK TANGGUHAN (435.796 ) 2i (671.359) NET OF DEFERRED TAX

(12)

kecuali dinyatakan lain) unless otherwise stated)

2009

(Audit/Audited)

2010 - Catatan 3/

CADANGAN UMUM 30 GENERAL RESERVE

Saldo awal periode 30.658 25.853 Balance at beginning of period Pembentukan cadangan umum - 29 4.805 Allocation for general reserve

Saldo akhir periode 30.658 30.658 Balance at end of period

SALDO LABA RETAINED EARNINGS

Saldo awal periode 1.767.548 3 1.957.463*⁾ Balance at beginning of period

Dampak atas penerapan awal Effect of 1^st adoption

PSAK 50/55 (19.205 ) 52 - SFAS 50/55

Balance at beginning of period

Saldo awal periode, setelah dampak atas after effect of 1^st adoption

penerapan awal PSAK 50/55 1.748.343 1.957.463 SFAS 50/55

Pembentukan cadangan umum - 29 (4.805) Allocation for general reserve Pembayaran dividen tunai - 29 (144.141) Payment for cash dividends

1.748.343 1.808.517

Laba/(rugi) bersih periode berjalan 325.876 (363.093) Net income/(loss) during the period

Saldo akhir periode 2.074.219 1.445.424 Balance at end of period

JUMLAH EKUITAS 6.888.322 4.625.016 TOTAL EQUITY

*) Disajikan kembali - Catatan 3 *) As restated - Note 3

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2009

(Audit/Audited)

2010 - Catatan 3/

ARUS KAS DARI AKTIVITAS CASH FLOWS FROM

OPERASI OPERATING ACTIVITIES

Bunga yang diperoleh 2.893.173 3.277.572 Interest received

Provisi dan komisi yang diterima 216.230 199.211 Fees and commissions received

Bunga yang dibayar (1.673.458 ) (1.778.806) Interest paid

Provisi dan komisi yang dibayar (5.477 ) (6.201) Fees and commissions paid

Laba transaksi mata uang Gains on foreign currency

asing - bersih 198.907 22.614 transactions - net

Pendapatan operasional lainnya

yang diterima 697.671 536.538 Other operating income received Beban operasional lainnya

yang dibayar 13.085 (285.594) Other operating expenses paid Tenaga kerja dan tunjangan

yang dibayar (648.299 ) (594.719) Personnel expenses paid

General and administrative

Beban umum dan administrasi (759.599 ) (744.479) expenses

Penerimaan dari pendapatan Non-operating income

non-operasional - bersih (12.849 ) 18.841 received - net

Arus kas dari aktivitas operasi Cash flows from operating sebelum perubahan aset activities before changes in dan kewajiban operasi 919.384 644.977 operating assets and liabilities

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

operasi: assets:

Penempatan pada Bank Indonesia Placements with Bank Indonesia

dan bank lain 19.960 45.011 and other banks

Efek-efek yang diperdagangkan (287.154 ) 26.919 Trading securities

Kredit yang diberikan (7.569.793 ) 1.854.002 Loans

Piutang pembiayaan konsumen (397.593 ) 414.027 Consumer financing receivables

Beban dibayar dimuka dan Prepayments and other

aset lain-lain (807.251 ) (161.790) assets

Kenaikan/(penurunan) Increase/(decrease) in

kewajiban operasi: operating liabilities:

Kewajiban segera 249.922 353.525 Obligations due immediately

Simpanan dari nasabah Deposits from customers

dan bank lain 5.428.807 (1.221.940) and other banks

Kewajiban lain-lain 347.577 (118.362) Other liabilities

Kas bersih (digunakan untuk)/ Net cash (used in)/provided by diperoleh dari aktivitas operasi (2.096.141 ) 1.836.369 operating activities

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2009

(Audit/Audited)

2010 - Catatan 3/

INVESTASI INVESTING ACTIVITIES

Penjualan/(pembelian) efek-efek Sale/(purchase) of marketable dan obligasi rekapitalisasi securities and government

pemerintah tersedia untuk recapitalization bonds

dijual dan dimiliki hingga available-for-sale

jatuh tempo 451.812 (448.325) and held-to-maturity

Penerimaan dari penjualan Proceeds from sale of

aset tetap 4.407 14 3.985 fixed assets

Pembelian aset tetap (63.458 ) 14 (55.539) Acquisition of fixed assets

Kas bersih diperoleh dari/

(digunakan untuk) aktivitas Net cash provided by/(used in) investasi 392.761 (499.879) investing activities

PENDANAAN FINANCING ACTIVITIES

Penambahan dari modal saham 1.402.573 - Addition of share capital Penjualan kembali efek yang dijual Resale of securities sold under

dengan janji dibeli kembali 264.721 - repurchased agreements Pembayaran

pinjaman yang diterima 163.527 137.095 Payment of borrowings Kenaikan hak minoritas 35.087 5.351 Increase in minority interest Pembagian dividen tunai - (144.141) Distribution of cash dividends

Penurunan surat Decrease in

berharga yang diterbitkan - (635.000) securities issued

Penambahan dari

pinjaman yang diterima (193.104 ) (277.510) Additional borrowings

Penurunan atas

pinjaman subordinasi (1.356.150 ) - Decrease in subordinated loans

Kas bersih diperoleh dari/

(digunakan untuk) aktivitas Net cash provided by/(used in) pendanaan 316.654 (914.205) financing activities

(PENURUNAN)/KENAIKAN BERSIH NET (DECREASE)/INCREASE IN KAS DAN SETARA KAS (1.386.726) 422.285 CASH AND CASH EQUIVALENTS

KAS DAN SETARA KAS CASH AND CASH EQUIVALENTS AWAL PERIODE 10.423.327 7.073.886 AT BEGINNING OF PERIOD Pengaruh perubahan kurs Effect of foreign currency exchange

mata uang asing (190.097 ) (112.085) rate changes

KAS DAN SETARA KAS CASH AND CASH EQUIVALENTS AKHIR PERIODE 8.846.504 7.384.086 AT END OF PERIOD

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2009

(Audit/Audited)

2010 - Catatan 3/

PENGUNGKAPAN TAMBAHAN SUPPLEMENTARY DISCLOSURES

Cash and cash equivalents

Kas dan setara kas terdiri dari: consist of:

Kas 1.276.198 4 1.070.136 Cash

Giro pada Bank Indonesia 5.639.272 5 4.117.649 Bank Indonesia

Giro pada bank lain 637.095 6 662.455 other banks

Penempatan pada Bank Indonesia Placements with Bank Indonesia dan bank lain yang jatuh tempo and other banks with dalam 3 bulan dari tanggal matured < 3 months from

akuisisi 381.199 398.786 the date of acquisition

Certificates of Bank Indonesia,

Sertifikat Bank Indonesia, Fasilitas Simpanan Bank Fasilitas Simpanan Bank Indonesia Indonesia Sharia, and Certificates Syariah dan Sertifikat Bank Indonesia of Bank Indonesia Sharia Syariah yang jatuh tempo dalam with matured < 3 months from 3 bulan dari tanggal akuisisi 912.740 1.135.060 the date of acquisition

Jumlah kas dan setara kas 8.846.504 7.384.086 Total cash and cash equivalents

AKTIVITAS YANG TIDAK ACTIVITIES NOT AFFECTING

MEMPENGARUHI ARUS KAS: CASH FLOWS:

Differences arising from the

Selisih kurs penjabaran translation of foreign currency laporan keuangan (16.598 ) 31 (12.973) financial statements