PT Bank Maybank Indonesia Tbk (d/h PT Bank Internasional Indonesia Tbk) dan entitas anaknya/and its subsidiaries

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TERSEBUT

Daftar Isi Table of Contents

Halaman/Pages

Laporan Auditor Independen Independent Auditors’ Report

Laporan Posisi Keuangan Konsolidasian ……… 1-5 ………. Financial Position

Laporan Laba Rugi Komprehensif Consolidated Statement of

Konsolidasian ... 6-7 ………. Comprehensive Income Consolidated Statement of Laporan Perubahan Ekuitas Konsolidasian... 8-9 ...Changes in Equity

Consolidated Statement of Laporan Arus Kas Konsolidasian……….. 10-11 ……….. Cash Flows

Catatan atas Laporan Keuangan Notes to the Consolidated Financial

Konsolidasian……… 12-277 ………. Statements

Statement of Financial Position - Laporan Posisi Keuangan - Entitas Induk.………….. Appendix 1 ……… Parent Company

Laporan Laba Rugi Komprehensif - Statement Comprehensive Income -

Entitas Induk……… Appendix 2 ... 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

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

1 Januari/

31 Desember/December 31 January 1, 2014/

Catatan/ 31 Desember/

Notes 2015 2014 *) December 31, 2013 *)

ASET ASSETS

Kas 2a,2c,4 1.978.750 2.195.531 2.329.825 Cash

2a,2c,2d, Current accounts with

Giro pada Bank Indonesia 2e,2f,5 10.329.997 9.850.805 9.249.766 Bank Indonesia

2a,2c,2d, Current accounts with other

Giro pada bank lain 2f,2o,6 banks

Pihak berelasi 2ae,43 4.985 266 248 Related parties

Pihak ketiga 1.847.067 1.312.957 631.711 Third parties

1.852.052 1.313.223 631.959

Dikurangi: Cadangan kerugian Less: Allowance for

penurunan nilai (151) (149) (234) impairment losses

Current accounts with other

Giro pada bank lain - neto 1.851.901 1.313.074 631.725 banks - net

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

Indonesia dan bank lain 2g,2o,7 13.948.893 5.583.433 6.471.565 and other banks

penurunan nilai (1.200) (1.000) (600) impairment losses

Penempatan pada Bank Indonesia Placements with Bank Indonesia

dan bank lain - neto 13.947.693 5.582.433 6.470.965 and other banks - net

Efek-efek yang diperdagangkan 2c,2d,2h,8 451.475 58.612 489.942 Trading securities

Investasi keuangan 2b,2c,2d, Financial investments

Pihak berelasi 2i,2o,9 - - 10.029 Related parties

Pihak ketiga 9.671.663 11.112.879 13.207.308 Third parties

9.671.663 11.112.879 13.217.337

penurunan nilai (204.789) (239.775) (234.249) impairment losses

Investasi keuangan - neto 9.466.874 10.873.104 12.983.088 Financial investments - net

Efek-efek yang dibeli dengan Securities purchased under

janji dijual kembali 2d,2j,10 647.828 - - resale agreement

Dikurangi: Pendapatan bunga

yang belum diamortisasi (565) - - Less: Unamortized interest

Efek-efek yang dibeli dengan janji Securities purchased under

dijual kembali - neto 647.263 - - resale agreement - net

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

Pihak berelasi 2ae,43 12.237 4.710 3.673 Related parties

Pihak ketiga 341.104 201.286 755.013 Third parties

353.341 205.996 758.686

penurunan nilai (4.047) (517) - impairment losses

349.294 205.479 758.686

*) Setelah penyajian kembali sesuai PSAK 24 (Revisi 2013) (Catatan 54)

*) As restated according to SFAS 24 (Revised 2013) (Note 54)

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konsolidasian.

consolidated financial statements.

2

Notes 2015 2014 *) December 31, 2013 *)

ASET (lanjutan) ASSETS (continued)

2c,2d

Kredit yang diberikan dan 2l,2o,12 Loans and

piutang/pembiayaan Syariah Sharia receivables/financing

104.201.707 98.030.670 95.469.670

Dikurangi: Less:

Cadangan kerugian Allowance for

penurunan nilai (1.871.461) (1.274.973) (969.260) impairment losses

Kredit yang diberikan dan Loans and Sharia

piutang/pembiayaan Syariah - neto 102.330.246 96.755.697 94.500.410 receivables/financing - net

Piutang pembiayaan konsumen 2d,2n,2o,13 11.175.482 10.821.775 8.808.771 Consumer financing receivables

Dikurangi:

Pendapatan pembiayaan Less:

konsumen yang belum Unearned consumer financing

diakui (2.848.426) (2.550.878) (2.248.826) receivables

Cadangan kerugian Allowance for impairment

penurunan nilai (167.395) (122.897) (83.010) losses

Piutang pembiayaan Consumer financing

konsumen - neto 8.159.661 8.148.000 6.476.935 receivables - net

2c,2d,

Tagihan akseptasi 2m,2o,14, 2.116.213 2.813.377 1.635.902 Acceptances receivable

2ae,43

penurunan nilai - (28.134) (11.950) impairment losses

Tagihan akseptasi - neto 2.116.213 2.785.243 1.623.952 Acceptances receivable - net

Aset pajak tangguhan 2aa,23c 252.068 475.297 449.630 Deferred tax assets

Aset tetap 2o,2p,15 2.628.531 2.461.635 2.199.099 Fixed assets

Dikurangi: Akumulasi penyusutan (1.483.308) (1.284.479) (1.090.604) Less: Accumulated depreciation

Aset tetap - neto 1.145.223 1.177.156 1.108.495 Fixed assets - net

Aset tidak berwujud - neto 2b,2q,16 212.274 221.596 171.413 Intangible assets - net

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

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

4.426.247 3.764.102 3.399.200

Dikurangi: Less:

Cadangan kerugian Allowance for impairment

penurunan nilai (20.573) (20.346) (19.770) losses

Cadangan kerugian (25.593) (20.572) (23.399) Allowance for possible losses

Beban dibayar dimuka dan Prepayments and

aset lain-lain - neto 4.380.081 3.723.184 3.356.031 other assets - net

JUMLAH ASET 48b 157.619.013 143.365.211 140.600.863 TOTAL ASSETS

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Catatan atas laporan keuangan konsolidasian merupakan The accompanying notes to the consolidated financial

1 Januari/

Notes 2015 2014 *) December 31, 2013 *)

LIABILITAS DAN EKUITAS LIABILITIES AND EQUITY

LIABILITAS LIABILITIES

Liabilitas segera 2c,2d,2t,18, 834.200 867.049 727.963 Obligations due immediately

2ae,43

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

115.486.436 101.863.992 107.239.558

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

Pihak ketiga 2.439.625 2.397.842 588.090 Third parties

2.898.462 2.949.291 1.055.508

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

Pihak ketiga 374.072 217.318 708.984 Third parties

378.005 224.098 794.458

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

Pihak berelasi 2ae,43 837 9.948 - Related parties

2.110.160 2.809.494 1.635.902

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

Pihak berelasi 2ae,43 652.422 1.598.935 1.466.321 Related parties

7.583.458 8.329.214 7.995.541

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

Pihak berelasi 2ae,43 1.038.814 36.460 191.947 Related parties

4.275.496 3.984.540 2.588.020

Utang pajak 2c,2aa,23a 180.109 172.978 254.805 Taxes payable

Liabilitas pajak tangguhan 2aa,23c 118.102 111.790 97.955 Deferred tax liabilities

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

dan liabilitas lain-lain 2ac,24 and other liabilities

3.524.349 3.073.481 2.990.871

Obligasi subordinasi 2d,2w,25 Subordinated bonds

Pihak berelasi 2ae,43 1.583.393 1.581.986 307.909 Related parties

4.486.968 4.484.137 2.989.434

JUMLAH LIABILITAS 48b 141.875.745 128.870.064 128.370.015 TOTAL LIABILITIES

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konsolidasian.

consolidated financial statements.

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Notes 2015 2014 *) December 31, 2013 *)

(lanjutan) (continued)

EKUITAS EQUITY

Ekuitas teratribusi kepada Equity attributable to equity

pemilik entitas induk holders of the parent company

Modal Saham Share Capital

Modal Dasar - Authorized Capital -

476.608.857.231 saham 476,608,857,231 shares as

per 31 Desember 2015, of December 31, 2015,

31 Desember 2014 dan December 31, 2014 and

1 Januari 2014/31 January 1, 2014/December

Desember 2013 terdiri dari: 31, 2013 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 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 and 58,467,494,499

saham Seri D Series D shares as of

per 31 Desember 2015 dan 2014 December 31, 2015 and 2014

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 51.692.810.426 and 51,692,810,426 Series D

saham Seri D per 1 Januari 2014/ shares as of Januari 1, 2014/

31 Desember 2013 26 3.665.370 3.665.370 3.512.940 December 31, 2013

Tambahan modal disetor 27 4.555.587 4.555.587 3.219.051 Additional paid-in capital

Selisih kurs karena penjabaran Differences arising from

laporan keuangan dalam the translation of foreign

mata uang asing 2c,30 34.541 21.071 18.060 currency financial statements

Selisih transaksi antara Differences in transaction between

pemegang saham entitas anak 1b (57.313) (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 - financial investments -

setelah pajak tangguhan 2i,9 (103.357) (57.526) (94.871) net of deferred tax

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Catatan atas laporan keuangan konsolidasian merupakan The accompanying notes to the consolidated financial

1 Januari/

Notes 2015 2014 *) December 31, 2013 *)

(lanjutan) (continued)

EKUITAS (lanjutan) EQUITY (continued)

Kerugian aktuarial atas program Actuarial losses on defined

manfaat pasti setelah benefit plan-net

pajak tangguhan 2ac,46 (115.343) (205.051) (218.003) of defered tax

Cadangan umum 29 376.656 341.730 264.475 General reserve

Saldo laba 7.149.514 6.045.370 5.414.617 Retained earnings

Jumlah ekuitas teratribusi kepada Total equity attributable to equity

pemilik entitas induk 15.505.655 14.292.870 12.042.588 holders of the parent company

Kepentingan non-pengendali 45 237.613 202.277 188.260 Non-controlling interest

JUMLAH EKUITAS 15.743.268 14.495.147 12.230.848 TOTAL EQUITY

JUMLAH LIABILITAS DAN TOTAL LIABILITIES AND

EKUITAS 157.619.013 143.365.211 140.600.863 EQUITY

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konsolidasian.

consolidated financial statements.

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Year Ended December 31

Catatan/

Notes 2015 2014 *)

PENDAPATAN DAN OPERATING INCOME AND

BEBAN OPERASIONAL EXPENSES

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

Pendapatan bunga dan Syariah 2y,32 13.905.475 13.399.814 Interest and Sharia income Beban bunga dan Syariah 2y,33 7.417.237 7.468.118 Interest and Sharia expenses

Pendapatan bunga dan Syariah neto 6.488.238 5.931.696 Net interest income and Sharia

Pendapatan/(beban) Other operating income/

operasional lainnya (expenses)

Pendapatan operasional lainnya: Other operating income:

Provisi dan komisi selain dari Fees and commissions

kredit yang diberikan 2z 823.830 383.053 other than from loans

Keuntungan/(kerugian) Gains/(losses) on

transaksi mata uang foreign exchange

asing - neto 2c 185.885 (106.888) transactions - net

Keuntungan penjualan efek-efek

yang diperdagangkan Gains on sale of trading

dan investasi securities and financial

keuangan - neto 2h,2i,34 14.596 105.375 investment - net

Kenaikan nilai

efek-efek yang Increase value trading

diperdagangkan - neto 2h,35 642 3.732 securities - net

Pendapatan lainnya 36 1.588.986 1.431.418 Other fee income

Jumlah pendapatan Total other operating

operasional lainnya 2.613.939 1.816.690 income

Beban operasional lainnya: Other operating expenses:

Penyisihan kerugian Provision for impairment

penurunan nilai atas losses on financial

instrumen keuangan - neto 2o,37 2.289.547 1.791.998 instruments - net

Penyisihan/(pemulihan) Provision/(reversal)

kerugian atas aset for possible losses on

non-produktif 2r,2o,38 6.625 (2.545) non-earning assets

Umum dan administrasi 39 3.017.757 2.838.773 General and administrative

Tenaga kerja 40,46 2.330.531 2.142.564 Personnel

Jumlah beban operasional Total other operating

lainnya 7.644.460 6.770.790 expenses

Beban operasional lainnya - neto (5.030.521) (4.954.100) Other operating expenses - net

PENDAPATAN

OPERASIONAL - NETO 1.457.717 977.596 OPERATING INCOME - NET

PENDAPATAN/(BEBAN) NON-OPERATING

NON-OPERASIONAL - NETO 41 87.306 (4.678) INCOME/(EXPENSE) - NET

LABA SEBELUM INCOME BEFORE

BEBAN PAJAK 1.545.023 972.918 TAX EXPENSE

BEBAN PAJAK - NETO 2aa,23b (401.461) (250.777) TAX EXPENSE - NET

LABA TAHUN BERJALAN 48b 1.143.562 722.141 INCOME FOR THE YEAR

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Catatan atas laporan keuangan konsolidasian merupakan The accompanying notes to the consolidated financial unless otherwise stated)

Tahun yang Berakhir pada Tanggal 31 Desember/

Year Ended December 31

Catatan/

Notes 2015 2014 *)

Pendapatan komprehensif lainnya: Other comprehensive income:

Pos-pos yang tidak direklasifikasi Items that will not be reclassified

ke laba rugi: subsequenty to profit or loss:

Keuntungan aktuarial atas program Actuarial gains on defined

manfaat pasti 125.058 17.115 benefit plan

Pajak penghasilan terkait dengan Income tax relating to

komponen pendapatan components of other

komprehensif lainnya 23c (31.264) (4.279) comprehensive income

93.794 12.836

Pos-pos yang akan direklasifikasi Items that may be reclassified

ke laba rugi: subsequenty to profit or loss:

Differences arising from the

Selisih kurs penjabaran translation of foreign currency

laporan keuangan 13.470 3.011 financial statements

Mutasi sehubungan dengan Mutation in respect of fair

perubahan nilai wajar value change of availabe

investasi keuangan yang for sale financial

tersedia untuk dijual (61.214) 51.040 investments

Pajak penghasilan terkait dengan Income tax relating to

komponen pendapatan components of other

komprehensif lainnya 23c 15.383 (13.695) comprehensive income

(32.361) 40.356

(Rugi)/laba komprehensif lainnya - Other comprehensive

setelah pajak 61.433 53.192 (losses)/income - net of tax

Jumlah laba komprehensif Total comprehensive

selama tahun berjalan 1.204.995 775.533 income for the year

Laba tahun berjalan yang Income for the year

dapat diatribusikan kepada: attributable to:

Equity holders of the

Pemilik entitas induk 42 1.139.070 708.008 parent company

Kepentingan non-pengendali 45 4.492 14.133 Non-controlling interest

1.143.562 722.141

Jumlah laba komprehensif selama Total comprehensive

tahun berjalan yang dapat income for the year

diatribusikan kepada: attributable to:

Equity holders of the

Pemilik entitas induk 1.196.417 761.316 parent company

Kepentingan non-pengendali 45 8.578 14.017 Non-controlling interest

1.204.995 775.333

LABA PER SAHAM DASAR BASIC EARNINGS PER SHARE

(nilai penuh) 2ab,42 17 12 (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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perubahan nilai

wajar investasi

Selisih kurs keuangan yang

karena penjabaran tersedia untuk

laporan keuangan dijual - setelah Kerugian

dalam mata Selisih transaksi pajak tangguhan/ aktuarial atas

uang asing/ antara pemegang Unrealized program manfaat

Differences saham losses on changes pasti-setelah

arising from entitas anak/ in fair value of pajak tangguhan/

the translation of Differences in available-for-sale Actuarial Kepentingan

Tambahan modal foreign currency transaction between financial losses on non-pengendali/

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

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

Saldo 31 Desember 2014 *) 3.665.370 4.555.587 21.071 (73.681) (57.526 ) (205.051 ) 341.730 6.045.370 14.292.870 202.277 14.495.147 Balance as of December 31, 2014 *)

Increase in foreign exchange difference

Kenaikan atas selisih kurs karena arising from the translation of

penjabaran laporan keuangan cabang overseas branches' foreign currency

luar negeri dalam mata uang asing 2c - - 13.470 - - - - - 13.470 - 13.470 financial statements

Perubahan selisih transaksi antara Mutation on diference in transaction

pemegang saham entitas anak 1b - - - 16.368 - - - - 16.368 - 16.368 between shareholders of a subsidiary

Perubahan kerugian yang belum Mutation of unrealized losses on changes

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

investasi keuangan yang tersedia untuk financial investments - net

dijual - setelah pajak tangguhan 2i - - - - (45.831 ) - - - (45.831) - (45.831) of deferred tax

Keuntungan aktuarial atas program Actuarial gains on defined benefit

manfaat pasti - setelah pajak tangguhan - - - - - 89.708 - - 89.708 4.086 93.794 plan - net of deferred tax

Pembentukan cadangan umum 28,29 - - - - - - 34.926 (34.926) - - - Allocation for general reserve

Bagian kepentingan non-pengendali Share issuance of a subsidiary attributable

atas penerbitan saham entitas anak 45 - - - - - - - - - 26.758 26.758 to non-controlling interest

Laba tahun berjalan 45 - - - - - - - 1.139.070 1.139.070 4.492 1.143.562 Income for the year

Saldo 31 Desember 2015 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

*) Setelah penyajian kembali sesuai PSAK 24 (Revisi 2013) (Catatan 54) *) As restated according to SFAS 24 (Revised 2013) (Note 54)