PT Bank Maybank Indonesia Tbk dan entitas anaknya/and its subsidiaries

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PT Bank Maybank Indonesia Tbk

dan entitas anaknya/and its subsidiaries

Laporan keuangan konsolidasian interim tanggal 30 September 2017 dan untuk

periode sembilan bulan yang berakhir pada tanggal tersebut (Tidak Diaudit)/

Interim consolidated financial statements as of September 30, 2017 and

for the nine-month period then ended (Unaudited)

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Halaman/Pages

Consolidated Statement of Laporan Posisi Keuangan Konsolidasian ……… 1-4 ………. Financial Position Laporan Laba Rugi dan Penghasilan Komprehensif Consolidated Statement of Profit or Loss

Lain Konsolidasian... 5-6 ……and Other Comprehensive Income Consolidated Statement of Laporan Perubahan Ekuitas Konsolidasian... 7-8 ...Changes in Equity

Consolidated Statement of Laporan Arus Kas Konsolidasian……….. 9-10 ……….. Cash Flows

Catatan atas Laporan Keuangan Notes to the Consolidated Financial

Konsolidasian……… 11-271 ………. Statements

Statement of Financial Position - Laporan Posisi Keuangan - Entitas Induk.………….. Appendix 1 ……… Parent Company Laporan Laba Rugi dan Penghasilan Komprehensif Statement of Profit or Loss and Other

Lain - Entitas Induk……… Appendix 2 Comprehensive Income - Parent Company Statement of Changes in Equity - Laporan Perubahan Ekuitas - Entitas Induk ... Appendix 3 ... Parent Company

Statement of Cash Flows - Laporan Arus Kas - Entitas Induk... Appendix 4 ... Parent Company

Catatan atas Laporan Keuangan - Notes to the Financial Statements -

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

Catatan/ (Tidak Diaudit/ (Diaudit/

Notes Unaudited) Audited)

ASET

Kas 2a,2c,4 1.205.996 1.470.208 Cash

Giro pada Bank Indonesia 2a,2c,2d,2e,2f,5 9.069.807 9.448.665 Current accounts with Bank Indonesia

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

Pihak berelasi 2ae,45 14.650 7.457 Related parties

Pihak ketiga 1.757.208 4.315.287 Third parties

1.771.858

4.322.744

Dikurangi: Cadangan kerugian Less: Allowance for

penurunan nilai (173) (25.772) impairment losses

Giro pada bank lain - neto 1.771.685 4.296.972 Current accounts with other banks - net

Penempatan pada Bank 2a,2c,2d, Placements with

Indonesia dan bank lain 2g,2o,7 3.056.251 3.554.721 Bank Indonesia and other banks

penurunan nilai - (1.000) impairment losses

Penempatan pada Bank Indonesia dan Placements with Bank Indonesia

bank lain - neto 3.056.251 3.553.721 and other banks - net

Efek-efek yang diperdagangkan 2c,2d,2h,8 3.042.126 1.735.426 Trading securities

Investasi keuangan 2b,2c,2d,2i,2o,9 17.748.593 15.887.344 Financial investments

penurunan nilai (41.114) (198.100) impairment losses

Investasi keuangan - neto 17.707.479 15.689.244 Financial investments - net

Efek-efek yang dibeli dengan Securities purchased under

janji dijual kembali 2d,2j,10 4.037.205 840.566 resale agreement

Dikurangi: Pendapatan bunga

yang belum diamortisasi (18.581) (3.490) Less: Unamortized interest

Efek-efek yang dibeli dengan janji Securities purchased under

dijual kembali - neto 4.018.624 837.076 resale agreement - net

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

Pihak ketiga 170.616 261.430 Third parties

182.037

275.603

penurunan nilai - (144) impairment losses

182.037

275.459

ASSETS

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konsolidasian.

consolidated financial statements.

2017 2016

Catatan/ (Tidak Diaudit/ (Diaudit/

Notes Unaudited) Audited)

ASET (lanjutan) ASSETS (continued)

Kredit yang diberikan dan 2c,2d, Loans and

piutang/pembiayaan Syariah 2l,2o,12 Sharia receivables/financing

110.488.008

109.988.691

penurunan nilai (2.369.015) (1.986.314) impairment losses

Kredit yang diberikan dan Loans and Sharia

piutang/pembiayaan Syariah - neto 108.118.993 108.002.377 receivables/financing - net

Piutang pembiayaan Consumer financing

konsumen 2d,2n,2o,13 13.829.730 6.850.334 receivables

Dikurangi: Less:

Pendapatan pembiayaan Unearned consumer financing

konsumen yang belum diakui (2.563.791) (1.103.119) receivables

Cadangan kerugian Allowance for impairment

penurunan nilai (157.934) (13.827) losses

Piutang pembiayaan Consumer financing

konsumen - neto 11.108.005 5.733.388 receivables - net

Tagihan akseptasi 2c,2d,2m,2o,14 2.384.949 2.259.049 Acceptances receivable

Aset pajak tangguhan 2aa,25c 215.426 272.095 Deferred tax assets

Aset tetap 2o,2p,15 4.384.047 3.905.898 Fixed assets

Dikurangi: Akumulasi penyusutan (1.750.158) (1.360.816) Less: Accumulated depreciation

Aset tetap - neto 2.633.889 2.545.082 Fixed assets - net

Aset tidak berw ujud - neto 2b,2q,16 211.421 249.899 Intangible assets - net

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

aset lain-lain 2s,2y,17 other assets

4.861.886

3.986.457

Dikurangi: Less:

Cadangan kerugian Allowance for impairment

penurunan nilai (67.236) (64.954) losses

Cadangan kerugian (40.871) (33.972) Allowance for possible losses

Beban dibayar dimuka dan Prepayments and

aset lain-lain - neto 4.753.779 3.887.531 other assets - net

Aset atas kelompok lepasan Assets of disposal group

yang dimiliki untuk dijual 18 - 6.422.710 classified as held-for-sale

JUMLAH ASET 50b 169.480.467 166.678.902 TOTAL ASSETS

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konsolidasian.

3

Notes Una udi ted) Audi ted)

Liabilitas segera 2c,2d,2t,2ae 936.136 779.321 Ob ligations due immediately

19,45

Simpanan nasabah 2c,2d,2u,20 Deposits from customers

119.050.015

118.931.951

Simpanan dari bank lain 2c,2d,2v,21 Deposits from other b anks

2.881.307

2.790.608

Ef ek-ef ek yang dijual dengan janji 2j,22 93.919 - Securities sold under repurchased

dibeli kembali agreements

Dikurangi: Beban bunga yang (313) - Less: unamortized

belum diamortisasi interest

Ef ek-ef ek yang dijual dengan janji 93.606 - Securities sold under repurchased

dibeli kembali - bersih agreements - net

Liabilitas derivatif 2c,2d,2k,11 Derivatives payab le

Pihak ketiga 202.066 211.619 Third parties

216.128

223.308

Liabilitas akseptasi 2c,2d,2m,2ae,14,45 1.190.923 2.258.629 Acceptances payab le

Surat berharga yang diterbitkan 2d,2w ,23 Securities issued

9.002.277

5.356.563

Pinjaman diterima 2c,2d,2x,24 Borrowings

Pihak berelasi 2ae,45 963.567 1.029.466 Related parties

5.934.536

2.350.380

Utang pajak 2c,2aa,25a 601.334 575.819 Taxes payab le

Beban yang masih harus dibayar Accrued expenses

dan liabilitas lain-lain 2c,2d,2y,2ac,26 and other liab ilities

3.928.709

3.117.338

Obligasi subordinasi 2d,2w ,27 Sub ordinated b onds

Pihak berelasi 2ae,45 1.962.752 1.963.843 Related parties

5.289.950

5.287.214

Liabilitas atas kelompok lepasan Liab ilities of disposal group

yang dimiliki untuk dijual 18 - 5.735.165 classified as held-for-sale

JUMLAH LIABILITAS 50b 149.124.921 147.406.296 TOTAL LIABILITIES

LIABILITAS DAN EKUITAS LIABILITIES AND EQUITY

LIABILITAS LIABILITIES

p

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konsolidasian.

(lanjutan)

Ekuitas teratribusi kepada pem ilik Equi ty attri butabl e to equi ty

entitas induk hol ders 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 2017 dan of September 30, 2017 and

31 Desember 2016 December 31, 2016

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,

8.891.200.000 saham Seri B 8,891,200,000 Series B shares

dan 58.467.494.499 saham Seri D and 58,467,494,499 Series D shares

per 30 September 2017 dan as of September 30, 2017 and

31 Desember 2016 28 3.665.370 3.665.370 December 31, 2016

Tambahan modal disetor 29 4.555.587 4.555.587 Additional paid-in capital

Selisih kurs karena penjabaran Differences arising from the translation of

laporan keuangan dalam mata uang asing 2c,32 30.540 32.933 foreign currency financial statements

Selisih transaksi antara Differences in transaction between

pemegang saham entitas anak 1b (57.313) (57.313) shareholders of a subsidiary

Surplus revaluasi aset tetap 2p,15 1.501.675 1.501.675 Fixed assets revaluation surplus

Kerugian yang belum direalisasi Unrealized losses on

atas perubahan nilai w ajar changes in fair value of

investasi keuangan yang available-for-sale financial

tersedia untuk dijual - investments - net

setelah pajak tangguhan 2i,9 (46.750) (44.755) of deferred tax

Kerugian aktuarial atas program manf aat pasti - Actuarial losses on defined benefit plan -

setelah pajak tangguhan 2ac,48 (114.286) (107.136) net of deferred tax

Bagian atas kelompok lepasan Reserve of disposal group

yang dimiliki untuk dijual 18 - (4.627) classified as held-for-sale

Cadangan umum 31 453.093 433.610 General reserve

Saldo laba 10.080.422 9.040.872 Retained earnings

Jumlah ekuitas teratribusi kepada Total equity attributable to equity holders

pemilik entitas induk 20.068.338 19.016.216 of the parent company

Kepentingan non-pengendali 47 287.208 256.390 Non-controlling interest

JUMLAH EKUITAS 20.355.546 19.272.606 TOTAL EQUITY

JUMLAH LIABILITAS DAN EKUITAS 169.480.467 166.678.902 TOTAL LIABILITIES AND EQUITY

EKUITAS EQUITY

LIABILITAS DAN EKUITAS LIABILITIES AND EQUITY

(conti nued)

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konsolidasian.

5

30 Septem ber/ 30 Septem ber/

September 30, September 30,

2017 2016

Catatan/ (Tidak Diaudit/ (Tidak Diaudit/

Notes Unaudited) Unaudited)

PENDAPATAN DAN BEBAN OPERATING INCOM E

OPERASIONAL AND EXPENSES

Pendapatan dan beban bunga dan Syariah Interest and Sharia income and expenses

Pendapatan bunga dan Syariah 2y,34 11.083.163 11.120.514 Interest and Sharia income

Beban bunga dan Syariah 2y,35 5.356.225 5.628.679 Interest and Sharia expenses

Pendapatan bunga dan syariah neto 5.726.938 5.491.835 Net interest income and Sharia

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 375.219 572.550 other than from loans

Keuntungan transaksi Gains on foreign exchange

mata uang asing - neto 2c 134.479 180.625 transactions - net

Keuntungan penjualan efek-efek Gains on sale of trading

yang diperdagangkan securities and financial

dan investasi keuangan - neto 2h,2i,36 477.722 117.502 investment - net Kenaikan/(penurunan) nilai

efek-efek yang Increase/(decrease) in value of

diperdagangkan - neto 2h,37 125 (2.206) trading securities - net

Pendapatan lainnya 38 1.153.956 1.117.107 Other fee income

Jumlah pendapatan operasional Total other operating

lainnya 2.141.501 1.985.578 income

Beban operasional lainnya: Other operating expenses:

Penyisihan kerugian Provision for impairment

penurunan nilai atas losses on financial

instrumen keuangan - neto 2h,39 1.339.517 1.580.037 instruments - net

Penyisihan kerugian atas Provision for possible losses

aset non-produktif 2o,40 7.503 6.874 on non-earning assets

Umum dan administrasi 41 2.622.655 2.337.192 General and administrative

Tenaga kerja 42,48 1.870.944 1.808.271 Personnel

Jumlah beban Total other operating

operasional lainnya 5.840.619 5.732.374 expenses

Beban operasional Other operating expenses -

lainnya - neto (3.699.118) (3.746.796) net

PENDAPATAN

OPERASIONAL - NETO 2.027.820 1.745.039 OPERATING INCOM E - NET

(BEBAN)/PENDAPATAN

NON-OPERASIONAL - NETO 43 (28.793) 8.055 NON-OPERATING (EXPENSE)/INCOM E - NET

LABA SEBELUM

BEBAN PAJAK 1.999.027 1.753.094 INCOM E BEFORE TAX EXPENSE

BEBAN PAJAK - NETO 2aa,25b (518.533) (441.789) TAX EXPENSE - NET

LABA PERIODE BERJALAN 50b 1.480.494 1.311.305 INCOM E FOR THE PERIOD

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konsolidasian.

September 30, September 30,

2017 2016

Pendapatan kom prehensif lainnya: Other comprehensive income:

Items that will not be reclassified

Pos-pos yang tidak akan direklasifikasi ke laba rugi: subsequently to profit or loss:

Kerugian aktuarial atas program Actuarial losses on defined

manfaat pasti (4.672) (44.362) benefit plan

Keuntungan revaluasi aset tetap 15 - 1.501.675 Gains on fixed assets revaluation

Pajak penghasilan terkait dengan komponen Income tax relating to components of

pendapatan komprehensif lainnya 1.168 11.090 other comprehensive income (3.504)

1.468.403

Items that may be reclassified

Pos-pos yang akan direklasifikasi ke laba rugi: subsequently to profit or loss:

Selisih kurs penjabaran laporan keuangan Differences arising from the translation of foreign

dalam mata uang asing (2.393) (5.805) currency financial investment

Mutasi sehubungan dengan

perubahan nilai w ajar investasi keuangan yang Mutation in respect of

tersedia untuk dijual (1.580) 74.521 fair value change of available-for-sale

Pajak penghasilan terkait dengan komponen Income tax relating to components of

pendapatan komprehensif lainnya 25c (415) (20.706) other comprehensive income (4.388)

48.010

(Rugi)/laba kom prehensif lainnya - setelah pajak Other comprehensive (loss)/income - net of tax

dari operasi yang dilanjutkan (7.892) 1.516.413 from continuing operations

Jum lah laba kom prehensif Total comprehensive income

selam a periode berjalan 1.472.602 2.827.718 for the period

Laba periode berjalan yang

dapat diatribusikan kepada: Income for the period attributable to:

Pemilik entitas induk 44 1.448.695 1.293.438 Equity holders of the parent company

1.480.494

1.311.305

Jum lah laba kom prehensif selam a periode berjalan Total comprehensive income

yang dapat diatribusikan kepada: for the period attributable to:

Pemilik entitas induk 1.441.784 2.811.562 Equity holders of the parent company

1.472.602

2.827.718

LABA PER SAHAM DASAR BASIC EARNINGS PER SHARE

(nilai penuh) 2ab,44 21 19 (full amount)

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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.

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Kerugian yang

Selisih kurs belum direalisasi atas

karena perubahan nilai wajar Kerugian

penjabaran investasi keuangan aktuarial atas

laporan keuangan yang tersedia untuk program

dalam Selisih transaksi dijual - setelah pajak manfaat pasti - Bagian atas

mata uang asing/ antara pemegang tangguhan/ setelah pajak kelompok lepasan

Tambahan Differences saham Surplus Unrealized losses tangguhan/ yang dimiliki

modal arising from entitas anak/ revaluasi on changes Actuarial losses untuk dijual/

Modal disetor/ the translation Differences in aset tetap/ in fair value of on defined Reserve of Saldo Kepentingan

saham/ Additional of foreign transaction between Fixed assets available-for-sale benefit plan- disposal group laba/ non-pengendali/

Catatan/ Share paid-in currency financial shareholders revaluation financial investments - net of classified as Cadangan umum/ Retained Jumlah/ Non-controlling Jumlah/

Notes capital capital statements of a subsidiary surplus net of deferred tax deferred tax held-for-sale General reserve earnings Total interest Total

Saldo 31 Desember 2016 (Diaudit) 3.665.370 4.555.587 32.933 (57.313) 1.501.675 (44.755) (107.136) (4.627) 433.610 9.040.872 19.016.216 256.390 19.272.606 Balance as of December 31, 2016 (Audited)

Decrease in foreign exchange difference

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 - - (2.393) - - - - - - - (2.393) - (2.393) 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 - - - - - (1.995) - - - - (1.995) - (1.995) of deferred tax

Kerugian aktuarial atas Actuarial losses on

program manfaat pasti - defined benefit plan -

setelah pajak tangguhan - - - - - - (7.150) 4.627 - - (2.523) (981) (3.504) net of deferred tax Pembentukan cadangan umum 30, 31 - - - - - - - - 19.483 (19.483) - - - Allocation for general reserve Pembagian dividen tunai 30 - - - - - - - - - (389.662) (389.662) - (389.662) Distirbution of cash dividend Laba periode berjalan 47 - - - - - - - - - 1.448.695 1.448.695 31.799 1.480.494 Income for the period Saldo 30 September 2017 (Tidak Diaudit) 3.665.370 4.555.587 30.540 (57.313) 1.501.675 (46.750) (114.286) - 453.093 10.080.422 20.068.338 287.208 20.355.546 Balance as of September 30, 2017 (Unaudited)

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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.

Kerugian yang

Selisih kurs belum direalisasi atas

karena perubahan nilai wajar Kerugian

penjabaran investasi keuangan aktuarial atas

laporan keuangan yang tersedia untuk program

dalam Selisih transaksi dijual - setelah pajak manfaat pasti -

mata uang asing/ antara pemegang tangguhan/ setelah pajak

Tambahan Differences saham Unrealized losses tangguhan/

modal arising from entitas anak/ on changes Actuarial losses

Modal disetor/ the translation Differences in Surplus in fair value of on defined Cadangan Saldo Kepentingan

saham/ Additional of foreign transaction between revaluasi aset tetap/ available-for-sale benefit plan- umum/ laba/ non-pengendali/

Catatan/ Share paid-in currency financial shareholders Fixed asset revaluation financial investments - net of General Retained Jumlah/ Non-controlling Jumlah/

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

Saldo 31 Desember 2015 (Audit) 3.665.370 4.555.587 34.541 (57.313) - (103.357) (115.343) 376.656 7.149.514 15.505.655 237.613 15.743.268 Balance as of December 31, 2015 (Audited)

Decrease in foreign exchange difference

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 - - (5.805) - - - - - - (5.805) - (5.805) financial statements Surplus revaluasi aset tetap 15 - - - - 1.501.675 - - - - 1.501.675 - 1.501.675 Fixed asset revaluation surplus

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 - - - - - 53.815 - - - 53.815 - 53.815 of deferred tax

Kerugian aktuarial atas program manfaat pasti Actuarial losses on defined benefit plan - net

- setelah pajak tangguhan - - - - - - (31.561) - - (31.561) (1.711) (33.272) of deferred tax Pembentukan cadangan umum 30,31 - - - - - - - 56.954 (56.954) - - - Allocation for general reserve Laba periode berjalan 47 - - - - - - - - 1.293.438 1.293.438 17.867 1.311.305 Income for the period Saldo 30 September 2016 (Tidak Diaudit) 3.665.370 4.555.587 28.736 (57.313) 1.501.675 (49.542) (146.904) 433.610 8.385.998 18.317.217 253.769 18.570.986 Balance as of September 30, 2016 (Unaudited)

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konsolidasian.

9

2017 2016

ARUS KAS DARI AKTIVITAS CASH FLOWS FROM

OPERASI OPERATING ACTIVITIES

Penerimaan pendapatan bunga dan Syariah 11.109.828 11.138.171 Proceed from interest and Sharia income Pembayaran beban bunga dan Syariah (5.199.353) (5.658.072) Payment of interest and Sharia expense

Beban umum dan administrasi General and administrative

yang dibayar (2.274.313) (2.016.325) expenses paid

Tenaga kerja dan tunjangan

yang dibayar (1.712.064) (1.692.179) Personnel expenses paid

Pendapatan operasional lainnya Other operating income

yang diterima 1.551.691 1.858.267 received

(Pembayaran beban)/penerimaan dari Non-operating (expense paid)/income

pendapatan non-operasional - neto (34.846) 3.665 received - net

Arus kas dari aktivitas operasi Cash flows from operating

sebelum perubahan aset activities before changes in

dan liabilitas operasi 3.440.943 3.633.527 operating assets and liabilities

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

operasi: assets:

Penempatan pada Bank Placements with Bank

Indonesia dan bank lain 15.000 (8.501) Indonesia and other banks

Efek-efek yang diperdagangkan (1.306.575) (542.457) Trading securities

Tagihan atas w esel ekspor (2.095.241) (656.065) Receivables from export bills

Kredit yang diberikan dan Loans and Sharia

piutang/pembiayaan Syariah (173.502) (2.942.684) receivable/financing

Piutang pembiayaan

konsumen (821.026) (1.830.787) Consumer financing receivables

Beban dibayar dimuka dan Prepayments and other

aset lain-lain (1.921.182) (148.924) assets

Kenaikan/(penurunan) Increase/(decrease) in

liabilitas operasi: operating liabilities:

Liabilitas segera (23.348) 17.041 Obligations due immediately

Simpanan dari nasabah dan Deposits from customers and

bank lain 208.763 (267.523) other banks

Liabilitas lain-lain (266.620) (207.895) Other liabilities

Kas neto digunakan untuk Net cash used in

aktivitas operasi (2.942.788) (2.954.268) operating activities

INVESTASI INVESTING ACTIVITIES

Penjualan/(pembelian) efek-efek dan Sale/(purchase) of marketables securities

obligasi rekapitalisasi pemerintah and government recapitalization bonds

tersedia untuk dijual 713.864 (3.434.977) available-for-sale

Penerimaan dari penjualan aset tetap 15 6.257 12.148 Proceeds from sale of fixed assets

Pembelian aset tetap 15 (203.986) (91.979) Acquisition of fixed assets

Pembelian efek-efek yang dibeli dengan Purchase of securities purchases

janji dijual kembali (3.181.548) (2.391.642) under resale agreements

Kas neto digunakan untuk Net cash used in

aktivitas investasi (2.665.413) (5.906.450) investing activities

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konsolidasian.

2017 2016

PENDANAAN FINANCING ACTIVITIES

Penerimaan dari surat berharga Proceeds from securities

yang diterbitkan 1.841.500 2.940.000 issued

Penerimaan pinjaman Proceed from

diterima 1.027.607 497.542 borrowings

Penjualan efek-efek yang dijual Sale of securities sold under

dengan janji dibeli kembali 93.606 494.787 repurchased agreements

Kenaikan kepentingan Increase in

non-pengendali 30.818 16.156 non-controlling interest

Penerimaan dari obligasi subordinasi - 800.000 Proceeds from subordinated bonds

Pembayaran dividen (389.499) - Dividend payment

Pelunasan dari surat berharga Repayment of

yang diterbitkan (965.000) (1.933.000) securities issued

Kas neto diperoleh dari Net cash provided by

aktivitas pendanaan 1.639.032 2.815.485 financing activities

PENURUNAN NETO NET DECREASE IN CASH

KAS DAN SETARA KAS (3.969.169) (6.045.233) AND CASH EQUIVALENTS

KAS DAN SETARA KAS CASH AND CASH EQUIVALENTS

AWAL PERIODE 19.073.357 28.107.192 AT BEGINNING OF PERIOD

Pengaruh perubahan kurs mata Effect of foreign currency exchange rate

uang asing (276) (239.818) changes

KAS DAN SETARA KAS CASH AND CASH EQUIVALENTS

AKHIR PERIODE 15.103.912 21.822.141 AT END OF PERIOD

PENGUNGKAPAN TAMBAHAN SUPPLEM ENTARY DISCLOSURES

Cash and cash equivalents

Kas dan setara kas terdiri dari: consist of:

Kas 4 1.205.996 1.465.821 Cash

Giro pada Bank Indonesia 5 9.069.807 9.305.571 Current accounts with Bank Indonesia

Giro pada bank lain 6 1.771.858 2.366.102 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 3.056.251 4.957.730 the date of acquisition

Sertifikat Bank Indonesia yang Certificates of Bank Indonesia

jatuh tempo dalam 3 bulan that will mature within 3 months

dari tanggal akuisisi - 3.726.917 from the date of acquisition

Jum lah kas dan setara kas 15.103.912 21.822.141 Total cash and cash equivalents

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11

a. Pendirian a. Establishment

PT Bank Maybank 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 Maybank 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.

Melalui Rapat Umum Pemegang Saham Luar Biasa tanggal 24 Agustus 2015, telah disetujui perubahan nama Bank dari “PT Bank Internasional Indonesia Tbk” menjadi

“PT Bank Maybank Indonesia Tbk”.

Perubahan nama Bank ini telah mendapat persetujuan dari Menteri Hukum dan Hak Asasi Manusia Republik Indonesia melalui Keputusan Menteri Hukum dan Hak Asasi Manusia Republik Indonesia No. AHU- 0941203.AH.01.02 Tahun 2015 tanggal 26 Agustus 2015 tentang Persetujuan Perubahan Anggaran Dasar Perseroan dan dari Otoritas Jasa Keuangan (OJK) melalui Keputusan Dewan Komisioner Otoritas Jasa Keuangan No. 18/KDK.03/2015 tanggal 23 September 2015 tentang Penetapan Penggunaan Izin Usaha Atas Nama PT Bank Internasional Indonesia Tbk Menjadi Izin Usaha Atas Nama PT Bank Maybank Indonesia Tbk.

Through the Shareholders’ Extraordinary General Meeting on August 24, 2015, the change of the Bank’s name from “PT Bank Internasional Indonesia Tbk” to become

“PT Bank Maybank Indonesia Tbk” has been approved. The changes of Bank’s name had been approved by Minister of Justice and Human Rights through Minister of Justice and Human Rights Decision No. AHU- 0941203.AH.01.02 Year 2015 dated August 26, 2015 on The Approval of The Company’s Articles of Association Change and from OJK through The Board of Commissioner Decision No. 18/KDK.03/2015 dated September 23, 2015 on The Confirmation to Use The Bank’s Business License Name from PT Bank Internasional Indonesia Tbk to PT Bank Maybank Indonesia Tbk.

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.

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

a. Pendirian (lanjutan) a. Establishment (continued) 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) in its commercial activities. The Bank commenced its Sharia banking activities since May 2003.

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.

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13 UMUM (lanjutan)

a. Pendirian (lanjutan) a. Establishment (continued) 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.

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.

Pada tanggal 30 September 2017, Bank memiliki 1 kantor pusat, 81 kantor cabang, 306 kantor cabang pembantu, 1 kantor cabang pembantu mikro, 14 kantor fungsional mikro, 1 kantor kas dan 10 kantor cabang Syariah ( 31 Desember 2016: 1 kantor pusat, 81 kantor cabang, 313 kantor cabang pembantu, 1 kantor cabang pembantu mikro, 23 kantor fungsional mikro, 1 kantor kas dan 7 kantor cabang Syariah dan 2 kantor cabang pembantu Syariah) (tidak diaudit). Jumlah karyawan tetap Bank per 30 September 2017 dan 31 Desember 2016 adalah masing-masing 6.812 dan 6.908 karyawan (tidak diaudit).

The Bank’s head office is located at Sentral Senayan (SS) III, Jalan Asia Afrika No. 8, Gelora Bung Karno - Senayan, Jakarta. As of September 30, 2017, the Bank has 1 head office, 81 branches, 306 sub-branches, 1 micro sub-branch, 14 micro functional branches, 1 cash offices and 10 Sharia branches (December 31, 2016: 1 head office, 81 branches, 313 sub-branches, 1 micro sub- branch, 23 micro functional branches, 1 cash offices, 7 Sharia branches and 2 Sharia sub- branches) (unaudited). The Bank had 6,812 and 6,908 permanent employees as of September 30, 2017 and December 31, 2016 (unaudited), respectively.

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.