PT Bank Internasional Indonesia Tbk dan entitas anak/and subsidiaries

(1)

June 30, 2012 (Unaudited) and December 31, 2011 (Audited) and six-month period ended

June 30, 2012 (Unaudited) and 2011 (Audited)

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30 JUNI 2012 (TIDAK DIAUDIT) DAN 31 DESEMBER 2011 (DIAUDIT) DAN PERIODE ENAM BULAN YANG BERAKHIR PADA TANGGAL 30 JUNI 2012 (TIDAK DIAUDIT) DAN

2011 (DIAUDIT)

JUNE 30, 2012 (UNAUDITED) AND DECEMBER 31, 2011 (AUDITED) AND

SIX-MONTH PERIOD ENDED JUNE 30, 2012 (UNAUDITED) AND 2011 (AUDITED)

Daftar Isi Table of Contents

Halaman/Pages

Consolidated Statements of Laporan Posisi Keuangan Konsolidasian..…………. 1-5 ……… Financial Position

Consolidated Statements of Laporan Laba Rugi Komprehensif Konsolidasian…. 6-8 ………..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..…. 13-207 ..….……….……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

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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.

1

30 Juni/ 31 Desember/

June 30, December 31,

2012 2011

Catatan/ (Tidak Diaudit/ (Diaudit/

Notes Unaudited) Audited)

ASET ASSETS

Kas 2c,3 1.488.539 1.701.791 Cash

Current accounts with

Giro pada Bank Indonesia 2c,2e,2f,4 6.917.008 6.484.175 Bank Indonesia

Giro pada bank lain 2c,2f,2n, 715.359 907.191 Current accounts with other banks

2ad,5,41

Dikurangi: Penyisihan kerugian Less: Allowance for

penurunan nilai (221) (219) impairment losses

Current accounts with other

Giro pada bank lain - bersih 715.138 906.972 banks - net

Penempatan pada Bank 2c,2g,2n,6 Placements with Bank Indonesia

Indonesia dan bank lain and other banks

Pihak berelasi 2ad,41 - 90.675 Related parties

Pihak ketiga 7.745.775 7.538.017 Third parties

7.745.775 7.628.692

penurunan nilai (800) - impairment losses

7.744.975 7.628.692

Efek-efek yang diperdagangkan 2c,2h,7 1.345.543 714.874 Trading securities

Investasi keuangan 2b,2c,2i,2n,8 6.835.453 7.151.498 Financial investments

penurunan nilai (248.943) (206.690) impairment losses

Investasi keuangan - bersih 6.586.510 6.944.808 Financial investments - net

Tagihan derivatif 2c,2ad,2j,9,41 230.585 112.424 Derivatives receivable

Kredit yang diberikan 2c,2k,2n,10 Loans

Pihak berelasi 2ad,41 66.355 59.168 Related parties

69.163.437 62.807.916

Dikurangi: Less:

Penyisihan kerugian Allowance for

penurunan nilai (1.237.914) (1.116.677) impairment losses

Kredit yang diberikan - bersih 67.925.523 61.691.239 Loans - net

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konsolidasian.

2

kecuali dinyatakan lain) unless otherwise stated)

2012 2011

ASET (lanjutan) ASSETS (continued)

Piutang pembiayaan 2m,2n,2ad Consumer financing

konsumen 11,41 6.499.626 6.538.409 receivables

Dikurangi:

Pendapatan pembiayaan Less:

konsumen yang belum Unearned consumer financing

diakui (2.159.927) (2.160.433) receivables

Penyisihan kerugian Allowance for impairment

penurunan nilai (52.528) (73.793) losses

Piutang pembiayaan Consumer financing

konsumen - bersih 4.287.171 4.304.183 receivables - net

Tagihan akseptasi 2c,2l,2n,12 984.707 932.119 Acceptances receivable

penurunan nilai (9.582) (9.353) impairment losses

Tagihan akseptasi - bersih 975.125 922.766 Acceptances receivable - net

Aset pajak tangguhan 2z,21c 359.957 382.671 Deferred tax assets

Aset tetap 2o,13 1.762.276 1.700.618 Fixed assets

Dikurangi: Akumulasi penyusutan (837.389) (777.735) Less: Accumulated depreciation

Aset tetap - bersih 924.887 922.883 Fixed assets - net

Aset tidak berwujud 2b,2p,14 505.414 487.866 Intangible assets

Dikurangi: Akumulasi amortisasi (432.489) (419.997) Less: Accumulated amortization

Aset tidak berwujud - bersih 72.925 67.869 Intangible assets - net

Beban dibayar dimuka dan 2c,2n,2q,2r,2x,15 Prepayments and

aset lain-lain other assets

Pihak berelasi 2ad,41 23.834 18 Related parties

2.457.635 2.189.163

Dikurangi: Less:

Penyisihan kerugian Allowance for impairment

penurunan nilai (16.411) (19.190) losses

Penyisihan kerugian (24.465) (36.209) Allowance for possible losses

Beban dibayar dimuka dan Prepayments and

aset lain-lain - bersih 2.416.759 2.133.764 other assets - net

JUMLAH ASET 47b 101.990.645 94.919.111 TOTAL ASSETS

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konsolidasian.

2012 2011

LIABILITAS DAN EKUITAS LIABILITIES AND EQUITY

LIABILITAS LIABILITIES

Liabilitas segera 2c,2s,2ad,16,41 716.773 930.766 Obligations due immediately

Simpanan nasabah 2c,2t,17 Deposits from customers

76.572.065 70.322.917

Simpanan dari bank lain 2c,2u,18 Deposits from other banks

Pihak ketiga 1.185.568 773.079 Third parties

1.706.699 1.405.641

Liabilitas derivatif 2c,2j,9 Derivatives payable

Pihak ketiga 107.806 84.695 Third parties

134.451 86.501

Liabilitas akseptasi 2c,2l,12 Acceptances payable

Pihak ketiga 959.295 898.695 Third parties

984.610 932.119

Surat berharga yang diterbitkan 2c,2v,19 Securities issued

Pihak berelasi 2ad,41 1.905.389 1.833.411 Related parties

6.495.610 6.299.578

Pinjaman diterima 2c,2w,20 1.873.229 2.304.429 Borrowings

Hutang pajak 2c,2z,21a 309.897 105.675 Taxes payable

Liabilitas pajak tangguhan 2z,21c 74.241 69.032 Deferred tax liabilities

Beban yang masih harus dibayar 2c,2x,2ab,22 Accrued expenses

dan liabilitas lain-lain and other liabilities

2.596.480 2.518.120

Obligasi subordinasi 2v,23 Subordinated bonds

1.990.859 1.990.330

JUMLAH LIABILITAS 47b 93.454.914 86.965.108 TOTAL LIABILITIES

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konsolidasian.

4

2012 2011

EKUITAS EQUITY

Ekuitas teratribusi kepada Equity attributable to equity

pemilik entitas induk holders of the parent

Modal Saham Share Capital

Modal Dasar - Authorized Capital -

476.608.857.231 saham 476,608,857,231 shares as

per 30 Juni 2012 dan of June 30, 2012 and

31 Desember 2011 December 31, 2011

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 2012 dan as of June 30, 2012 and

31 Desember 2011 24 3.407.411 3.407.411 December 31, 2011

Tambahan modal disetor 25 1.828.428 1.828.428 Additional paid-in capital

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konsolidasian.

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

2012 2011

EKUITAS (lanjutan) EQUITY (continued)

Differences arising from

Selisih kurs penjabaran the translation of foreign

laporan keuangan 2c,28 (6.470) (10.487) currency financial statements

Selisih transaksi antara Differences in transaction between

pemegang saham entitas anak 1b (73.681) (73.681) shareholders of a subsidiary

Kerugian yang belum direalisasi Unrealized losses on

atas perubahan nilai wajar changes in fair value

investasi keuangan yang of available-for-sale

tersedia untuk dijual - setelah financial investments -

pajak tangguhan 2i (239.726) (243.133) net of deferred tax

Cadangan umum 27 143.653 76.757 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,53 3.327.457 2.802.779 as of December 31, 2003)

Total ekuitas teratribusi kepada Total attributable to equity holders

pemilik entitas induk 8.387.072 7.788.074 of the parent

Kepentingan non-pengendali 43 148.659 165.929 Non-controlling interest

JUMLAH EKUITAS 8.535.731 7.954.003 TOTAL EQUITY

JUMLAH LIABILITAS DAN TOTAL LIABILITIES AND

EKUITAS 101.990.645 94.919.111 EQUITY

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konsolidasian.

6

30 Juni/ 30 Juni/

June 30, June 30,

2012 2011

Catatan/ (Tidak diaudit/ (Diaudit/

PENDAPATAN DAN OPERATING INCOME AND

BEBAN OPERASIONAL EXPENSES

Pendapatan dan beban Interest income and

bunga expenses

Pendapatan bunga 2x,30 4.557.650 3.749.101 Interest income

Beban bunga 2x,31 1.979.214 1.748.855 Interest expense

Pendapatan bunga bersih 2.578.436 2.000.246 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 2y 147.816 134.223 other than from loans

Keuntungan transaksi mata Gains on foreign exchange

uang asing - bersih 2c 134.209 75.225 transactions - net

Keuntungan/(kerugian) penjualan

efek-efek yang

diperdagangkan Gains/(losses) on sale

dan investasi of trading securities and

keuangan - bersih 2h,2i,32 17.992 (14.349) financial investment - net Pendapatan lainnya 33 737.740 843.967 Other fee income

Jumlah pendapatan Total other operating

operasional lainnya 1.037.757 1.039.066 income

Beban operasional lainnya: Other operating expenses:

Penyisihan kerugian

penurunan nilai atas Allowance for impairment

instrumen keuangan - losses on financial

bersih 2n,34 566.155 596.778 instruments - net

(Pemulihan)/penyisihan kerugian (Reversal)/provision for atas aset non-produktif 2n,35 (11.547) 26.000 losses on non-earning

assets

Estimasi kerugian Estimated losses on

komitmen dan commitments and

kontinjensi - 3.377 contingencies Umum dan administrasi 36 1.107.331 1.003.259 General and administrative

Penurunan/(kenaikan)

nilai efek-efek yang Decrease/(increase)

diperdagangkan in value of trading

- bersih 2h,37 1.917 (14.586) securities - net

Tenaga kerja 38,45 1.139.373 906.004 Personnel

Jumlah beban Total other operating

operasional lainnya 2.803.229 2.520.832 expenses

Beban operasional

lainnya - bersih (1.765.472) (1.481.766) Other operating expenses - net

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konsolidasian.

30 Juni/ 30 Juni/

June 30, June 30,

2012 2011

Catatan/ (Tidak diaudit/ (Diaudit/

PENDAPATAN

OPERASIONAL - BERSIH 812.964 518.480 OPERATING INCOME - NET

PENDAPATAN/(BEBAN)

NON-OPERASIONAL - NON-OPERATING

BERSIH 39 10.566 (1.212) INCOME/(EXPENSES) - NET

LABA SEBELUM INCOME BEFORE

BEBAN PAJAK 823.530 517.268 TAX EXPENSE

BEBAN PAJAK - BERSIH 2z,21b (249.226) (150.236) TAX EXPENSE - NET

LABA PERIODE BERJALAN 47b 574.304 367.032 INCOME FOR THE PERIOD

Pendapatan komprehensif Other comprehensive

lainnya: income:

Differences arising from

the translation of

Selisih kurs penjabaran foreign curency

laporan keuangan 4.017 (2.004) financial statements

Keuntungan/(kerugian)

yang belum direalisasi Unrealized gains/(losses)

atas perubahan nilai on changes in fair value

wajar investasi keuangan of available-for- sale

yang tersedia untuk dijual 1.319 (74.435) 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 3.202 3.072 financial investments

Pajak penghasilan terkait dengan Income tax relating to

komponen pendapatan components of other

komprehensif lainnya 21c (1.114) 17.799 comprehensive income

Laba/(rugi) komprehensif lainnya - Other comprehensive

bersih setelah pajak 7.424 (55.568) income/(loss) - net of tax

Jumlah laba komprehensif Total comprehensive

selama periode berjalan - income for the period -

bersih setelah pajak 581.728 311.464 net of tax

(10)

konsolidasian.

8 (Disajikan dalam jutaan Rupiah,

kecuali dinyatakan lain)

(Expressed in millions of Rupiah, unless otherwise stated)

30 Juni/ 30 Juni/

June 30, June 30,

2012 2011

Laba periode berjalan yang Income for the period

dapat diatribusikan kepada: attributable to:

Equity holders of the

Pemilik entitas induk 591.574 366.687 Parent company

Kepentingan

non-pengendali 43 (17.270) 345 Non-controlling interests

574.304 367.032

Total laba komprehensif selama Total comprehensive

periode berjalan yang dapat income for the period

diatribusikan kepada: attributable to:

Equity holders of the

Pemilik entitas induk 598.998 311.119 parent company Kepentingan non-pengendali 43 (17.270) 345 Non-controlling interest

581.728 311.464

LABA PER SAHAM DASAR BASIC EARNINGS PER SHARE

(nilai penuh) 2aa,40 11 7 (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.

direalisasi atas

perubahan nilai

wajar investasi

keuangan yang

tersedia untuk

Selisih kurs dijual - setelah

penjabaran Selisih transaksi pajak tangguhan/

laporan keuangan/ antara pemegang Unrealized

Differences saham losses 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 2012/31 Desember 2011 3.407.411 1.828.428 (10.487) (73.681) (243.133) 76.757 2.802.779 7.788.074 165.929 7.954.003 Balance as of January 1, 2012/

December 31, 2011

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

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

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 - - - - 3.407 - - 3.407 - 3.407 of deferred tax

Bagian kepentingan non-pengendali Net income of subsidiaries attributable

atas laba bersih entitas anak 43 - - - - - - - - (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

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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

Kerugian

yang belum

direalisasi atas

perubahan nilai

wajar investasi

keuangan yang

tersedia untuk

Selisih kurs dijual - setelah

penjabaran pajak tangguhan/

laporan keuangan/ Unrealized

Differences losses on changes

arising from in fair value of

the translation of available-for-sale Kepentingan

Tambahan modal foreign currency financial non-pengendali/

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

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

Saldo 1 Januari 2011 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 January 1, 2011

Decrease in foreign exchange difference

Penurunan atas selisih kurs karena penjabaran arising from the translation of

laporan keuangan cabang luar negeri overseas branches'

dalam mata uang asing 2c - - (2.004) - - -) (2.004) - (2.004) foreign currency financial statements

Pembentukan cadangan umum - - - - 46.099 (46.099) - - - Allocation for general reserve

Pembayaran dividen tunai - - - - - -) - (13.991) (13.991) Payment for cash dividends

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 - - - (53.564) - -) (53.564) - (53.564) of deferred tax

Bagian kepentingan non-pengendali Net income of subsidiaries attributable

atas laba bersih entitas anak 43 - - - - - -) - 345 345 to non-controlling interest

Laba bersih periode berjalan - - - - - 366.687) 366.687 - 366.687 Net income for the period

Saldo 30 Juni 2011 3.407.411 1.828.428 (20.554) (251.722) 76.757 2.500.503 7.540.823 215.846 7.756.669 Balance as of June 30, 2011

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konsolidasian.

June 30, June 30,

2012 2011

ARUS KAS DARI AKTIVITAS CASH FLOWS FROM

OPERASI OPERATING ACTIVITIES

Bunga yang diperoleh 4.646.886 3.860.148 Interest received

Bunga yang dibayar (1.861.195) (1.731.856) Interest paid

(Rugi)/laba transaksi mata uang (Losses)/gains on foreign currency

mata uang asing - bersih (27.155) 81.095 transactions - net

Beban umum dan administrasi General and administrative

yang dibayar (640.269) (941.484) expenses paid

Tenaga kerja dan tunjangan

yang dibayar (986.441) (798.926) Personnel expenses paid

Pendapatan operasional lainnya Other operating income

yang diterima 738.608 857.613 received

Beban operasional lainnya Other operating expenses

yang dibayar 2.229 (55.791) paid

Penerimaan/(pembayaran)

dari pendapatan/(beban) Non-operating income/

non-operasional - bersih 9.066 (8.123) (expense) received/(paid) - net

Cash flows from operating

Arus kas dari aktivitas operasi activities before changes

sebelum perubahan aset in operating assets and

dan liabilitas operasi 1.881.729 1.262.676 liabilities

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

operasi: operating assets:

Penempatan pada Bank Placements with Bank

Indonesia dan bank lain (529.232) (931.878) Indonesia and other banks

Efek-efek yang diperdagangkan (617.796) (518.343) Trading securities

Tagihan atas wesel ekspor 100.032 (457.132) Receivables from export bills

Kredit yang diberikan (6.678.653) (5.465.738) Loans

Piutang pembiayaan Consumer financing

konsumen (84.405) (1.066.553) receivables

Tagihan akseptasi (97) - Acceptances receivable

Beban dibayar dimuka dan Prepayments and other

aset lain-lain (222.428) 115.588 assets

Kenaikan/(penurunan) Increase/(decrease) in

liabilitas operasi: operating liabilities:

Liabilitas segera (213.993) (21.847) Obligations due immediately

Simpanan dari nasabah Deposits from customers

dan bank lain 6.550.206 5.949.666 and other banks

Liabilitas lain-lain (532.761) (144.276) Other liabilities

Kas bersih digunakan untuk Net cash used in

aktivitas operasi (347.398) (1.277.837) operating activities

INVESTASI INVESTING ACTIVITIES

Penjualan/(pembelian) efek-efek Sale/(purchase) of

dan obligasi rekapitalisasi marketable securities and

pemerintah tersedia untuk government recapitalization

dijual 218.306 (860.939) bonds available-for-sale

Penerimaan dari penjualan Proceeds from sale of

aset tetap 13 3.854 1.598 fixed assets

Pembelian aset tetap 13 (74.770) (121.005) Acquisition of fixed assets

Kas bersih diperoleh dari/ Net cash provided by/

(digunakan untuk) (used in) investing

aktivitas investasi 147.390 (980.346) activities

(14)

konsolidasian.

12

unless otherwise stated)

30 Juni/ 30 Juni/

June 30, June 30,

2012 2011

PENDANAAN FINANCING ACTIVITIES

Penerimaan dari surat Proceeds from securities

berharga yang diterbitkan 625.000 3.100.000 issued

Pembagian dividen tunai kepada Distribution of cash dividends

kepentingan non-pengendali - (13.991) to non-controlling interest

Pembelian kembali efek-efek

yang dijual dengan janji Repurchase of securities sold

dibeli kembali - (349.166) under repurchased agreements

Penurunan kepentingan Decrease in non-

non-pengendali (868) (13.646) controlling interest

(Pembayaran)/penerimaan (Payment)/proceeds of

pinjaman diterima (431.200) 372.516 borrowings

Pelunasan surat Repayments of securities

berharga yang diterbitkan (494.000) (185.000) issued

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

diperoleh dari provided by financing

aktivitas pendanaan (301.068) 2.910.713 activities

NET (DECREASE)/INCREASE

(PENURUNAN)/KENAIKAN BERSIH IN CASH AND

KAS DAN SETARA KAS (501.076) 652.530 CASH EQUIVALENTS

CASH AND CASH

KAS DAN SETARA KAS EQUIVALENTS AT

AWAL PERIODE 16.504.909 11.364.484 BEGINNING OF PERIOD

Pengaruh perubahan kurs Effect of foreign currency

mata uang asing 116.676 (40.493) exchange rate changes

CASH AND CASH

KAS DAN SETARA KAS EQUIVALENTS AT

AKHIR PERIODE 16.120.509 11.976.521 END OF PERIOD

PENGUNGKAPAN TAMBAHAN SUPPLEMENTARY DISCLOSURES

Kas dan setara kas terdiri dari: Cash and cash equivalents consist of:

Kas 3 1.488.539 1.471.945 Cash

Giro pada Bank Indonesia 4 6.917.008 5.611.777 Bank Indonesia

Giro pada bank lain 5 715.359 441.003 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 6.999.603 4.451.796 the date of acquisition

Jumlah kas dan setara kas 16.120.509 11.976.521 Total cash and cash equivalents

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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 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) a. Pendirian (lanjutan)

1. GENERAL (continued)

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 III, Jalan Asia Afrika No. 8, Gelora Bung Karno - Senayan, Jakarta. Bank memiliki 1 kantor pusat, 77 kantor cabang, 288 kantor cabang pembantu, 4 kantor kas, 5 kantor cabang Syariah, dan 1 kantor cabang pembantu Syariah per 30 Juni 2012 (31 Desember 2011: 1 kantor pusat, 75 kantor cabang, 268 kantor cabang pembantu, 2 kantor kas dan 5 kantor cabang Syariah).

Jumlah karyawan tetap Bank per 30 Juni 2012 dan 31 Desember 2011, adalah masing- masing 7.191 dan 6.963 karyawan.

The Bank‟s head office is located at Sentral Senayan III, Jalan Asia Afrika No. 8, Gelora Bung Karno - Senayan, Jakarta. The Bank has 1 head office, 77 branches, 288 sub-branches, 4 cash offices, 5 Sharia branches and 1 Sharia sub-branch as of June 30, 2012 (December 31, 2011: 1 head office, 75 branches, 268 sub- branches, 2 cash offices and 5 Sharia branches). The Bank had 7,191 and 6,963 permanent employees as of June 30, 2012 and December 31, 2011, 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 Rekapitulasi 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.