MANDIRI Q2 2016 ENGLISH

(1)

CONSOLIDATED FINANCIAL STATEMENTS

PT Bank Mandiri (Persero) Tbk. & Subsidiaries

(dalam Jutaan Rupiah)

STATEMENT OF FINANCIAL POSITION

As of June 30, 2016 and December 31, 2015

Cash

Placements with Bank Indonesia Placements with other banks Spot and derivative receivables Securities

a. Fair value through profit/loss b. Available for sale c. Held to maturity ***) d. Loans and receivables

Securities sold under repurchase agreements (Repo) Securities purchased under resell agreements (Reverse Repo) Acceptances receivables

Loans

a. Fair value through profit/loss b. Available for sale c. Held to maturity d. Loans and receivables Consumer financing receivables Sharia financing Investments in shares

Policy holder's investment in Unit Link Contract Allowance for impairment on financial assets a. Securities

b. Loans c. Others Intangible assets

Accumulated amortisation for intangible assets -/- Premises and equipment

Accumulated depreciation for premises and equipment -/-Non earning assets

a. Abandoned properties b. Repossessed assets c. Suspense account d. Inter office assets

i. Operational activities conducted in Indonesia ii. Operational activities conducted outside Indonesia Allowance for impairment on non financial assets -/-Lease financing

Deferred tax assets Other assets

TOTAL LIABILITIES AND EQUITY

BANK CONSOLIDATED

No. DESCRIPTION 30 June 2016 30 June 2015 30 June 2016 30 June 2015

STATEMENT OF INCOME AND OTHER COMPREHENSIVE

For the Period Ended June 30, 2016 and 2015 (In Millions of Rupiah)

STATEMENT OF CALCULATION OF CAPITAL ADEQUACY RATIO COMMERCIAL BANK

As of June 30, 2016 and 2015

(In Millions of Rupiah)

BANK CONSOLIDATED BANK CONSOLIDATED BANK CONSOLIDATED BANK CONSOLIDATED 30 June 2016 30 June 2015 Description 30 June 2016 30 June 2015 1.

2. 3. 4. 5.

6. 7. 8. 9.

10. 11. 12. 13. 14.

15. 16. 17.

18. 19. 20. 21.

LIABILITIES Demand deposits **) Savings deposits **) Time deposits **) Investment fund - revenue sharing Fund from Bank Indonesia Fund from other banks **) Spot and derivative liabilities

Securities sold under repurchase agreements (Repo) Acceptances liabilities

Securities issued Fund borrowings Margin deposits received Inter office liabilities

a. Operational activities conducted in Indonesia b. Operational activities conducted outside Indonesia Deferred tax liabilities

Liability to Unit Link Holders Other liabilities Investment fund - profit sharing TOTAL LIABILITIES

EQUITY

Share capital a. Authorised capital b. Unpaid-in capital-/- c. Treasury stock -/- Additional Paid-in Capital a. Agio b. Disagio -/- c. Donated capital d. Funds for paid-up capital e. Others

Other comprehensive income (losses)

a. Adjustment arising from translation of financial statement b. Gain (Losses) from changes of financial assets on available for sale c. Effective cash flow hedges

d. Premises and equipment revaluation increment e. Other comprehensive income from entity associations f. Gain (Losses) from actuarial benefit program g. Income tax related to other comprehensive income h. Others

Difference arising from quasi reorganisation

Difference arising from restructuring value of transaction of entities under common control Other equity

Reserve a. General reserve b. Appropriated reserve Retained Earning a. Previous years *) b. Current year

TOTAL EQUITY ATTRIBUTABLE TO OWNER Non controlling interest

TOTAL EQUITY 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13.

14. 15. 16. 17.

18.

19.

20.

21. 22. 23. 24.

25.

26.

*) Accumulated losses of Rp162,874,901 million has been eliminated against additional paid-in capital through quasi-reorganisation as of April 30, 2003. **) Consolidated balance includes temporary syirkah funds from Subsidiary.

***) Including Securities owned by Subsidiary which classified "At Cost", accordance with SFAS 110 "Accounting for Sukuk", which was effective since January 1, 2012.

STATEMENT OF SPOT AND DERIVATIVE TRANSACTIONS

As of June 30, 2016

BANK

No. TRANSACTION NOTIONAL AMOUNT Type Derivative Receivables & Payables

Trading Hedging Receivables Payables A. EXCHANGE RATE RELATED

1. Spot 2. Forward 3. Option

a. Written b. Purchased 4. Future 5. Swap 6. Others B. INTEREST RATE RELATED 1. Forward 2. Option

a. Written b. Purchased 3. Future 4. Swap 5. Others C. OTHERS

TOTAL

1. Core Capital (Common Equity Tier 1)

1.1 Paid-in Capital 1.2 Disclosed Reserves

1.2.1 Additional paid-in capital 1.2.2 Contributed capital 1.2.3 General reserves 1.2.4 Previous years profit/loss 1.2.5 Current year profit/loss

1.2.6 Excess translation adjustment of financial statement 1.2.7 Fund for paid-up capital

1.2.8 Warrant issued

1.2.9 Stock option issued related to stock compensation program 1.2.10 Other comprehensive income

1.2.11 Fixed assets revaluation surplus

1.2.12 Difference in allowance for possible losses and allowance for impairment on earning assets

1.2.13 Allowance for impairment on non earning assets which shall be calculated

1.2.14 Difference in adjusment amounts from fair value of financial assets in trading book

1.3 Non Controlling Interest

1.4 Deduction

1.4.1 Deffered tax 1.4.2 Goodwill 1.4.3 Other intangible assets 1.4.4 Investments in shares

1.4.5 Shortfall of capital on insurance subsidiaries 1.4.6 Securitisation exposure

1.4.7 Other deduction core capital

1.4.8 Investment in AT 1 and Tier 2 instruments in other banks

2. Additional Tier 1

2.1 Instrument of AT1 2.2 Additional paid-in capital

2.3 Investment in AT 1 and Tier 2 instruments in other banks

1. Capital Instrument in the form of Stock or others which comply with regulations

2. Additional paid-in capital

3. General provison on earning assets (max. 1.25% RWA) 4. Specific reserves

5. Deduction supplemental capital (Tier 2) 5.1 Sinking Fund

5.2 Investment in Tier 2 instruments in other banks

RISK WEIGHTED ASSETS CREDIT RISK MARKET RISK OPERATIONAL RISK TOTAL RISK CAR BASED ON RISK PROFILE

ALLOWANCES FOR IMPAIRMENT

As of June 30, 2016 and 2015

30 June 2016

30 June 2015

No DESCRIPTION Allowance for Impairment Required Allowance for Possible Allowance for Impairment Required Allowance for Possible

Losses of Earning Assets Losses of Earning Assets Individual Collective General Specific Individual Collective General Specific 1. Placements with other banks

2. Spot and derivative receivables 3. Securities

4. Securities sold under repurchase agreements (Repo)

5. Securities purchased under resell agreements (Reverse Repo)

6. Acceptances receivables 7. Loans 8. Investments in shares 9. Temporary invesment 10. Other Receivables 11. Commitments and contingencies

I. CORE CAPITAL (TIER 1)

II. SUPPLEMENTAL CAPITAL (TIER 2)

III. TOTAL CORE CAPITAL AND SUPPLEMENTAL CAPITAL (I + II) COMPONENTS OF CAPITAL

Leading, Trusted. Enabling growth.

CALCULATION OF FINANCIAL RATIOS

As of June 30, 2016 and 2015

(In %)

Capital Adequacy Ratio (CAR)

Non performing earning assets and

non performing non earning assets to total

earning assets and non earning assets

Non performing earning assets to total

earning assets

Allowance for impairment on financial

assets to earning assets

NPL - Gross

NPL - Net

Return on Asset (ROA)

Return on Equity (ROE)

Net Interest Margin (NIM)

Operating Expenses to Operating Income (BOPO)

Loan to Deposit Ratio (LDR)

1.

2.

3.

4.

5.

6.

7.

8.

9.

10.

11.

PERFORMANCE RATIOS

1. a. Percentage violation of Legal Lending Limit

i. Related parties

ii. Third parties

b.

Percentage of excess of the Legal

Lending Limit

i. Related parties

ii. Third parties

2. Reserve requirement

a. Primary reserve requirement Rupiah

b. Reserve requirement Foreign currencies

3. Net Open Position - Overall

COMPLIANCE

30 June 2016 30 June 2015

No.

RATIOS

30 June 2016 30 June 2015

BANK

No.

RATIOS

BANK

NOTES

Presentation of the above published Financial Statement as at and for six months ended 30 June

2016 and 2015 are derived from the Consolidated Financial Statement of PT Bank Mandiri (Persero)

Tbk. and Subsidiaries (unaudited), and Consolidated Financial Statement as at and for the years

ended 31 December 2015 its subsidiaries have been audited by Purwantono, Sungkoro & Surja

("PSS")(a member firm of Ernst & Young Global Limited) with Danil Setiadi Handaja, CPA as partner

incharge, dated 2 February 2015 with an unmodified audit opinion (formerly unqualified opinion).

Published financial statements are presented to comply with Financial Services Authority

Regulation (“POJK”) No.6/POJK.03/2015 dated March 31, 2015 regarding Transparency and

Published Financial Statements of the Bank and Circular Letter of Financial Services Authority

(“SEOJK”) No.11/SEOJK.03/2015 dated April 17, 2015 regarding Transparency and Published

Financial Statements of Commercial Banks and also in accordance with regulation of Capital

Market and Financial Institution Supervisory Agency (“Bapepam and LK”) No.X.K.2., Attachment to

Decision of Chairman of Bapepam and LK No.Kep-346/BL/2011 dated July 5,2011 regarding

Submission of Periodic Financial Statements for Issuers or Public Companies. Financial

information and statement of cash flows included in the published financial statements have also

been prepared in accordance with Bapepam and LK regulation No.VIII.G7. Attachment to Decision

of Chairman of Bapepam and LK No.Kep-347/BL/2012 dated June 25, 2012.

Related Parties in the Assets' Quality and Other Information are presented in accordance with

Bank Indonesia Regulation No. 7/3/PBI/2005 dated 20 January 2005 which was amended by Bank

Indonesia Regulation No. 8/13/PBI/2006 dated 5 October 2006 regarding The Legal Lending Limit

For Commercial Banks.

Exchange rate of 1 US Dollar as at June 30, 2016, June 30, 2015 and December 31, 2015 were

Rp13,212.50; Rp13,332.50 and Rp13,785.00 respectively.

1.

2.

3. 4.

TOTAL ASSETS

BANK CONSOLIDATED

No.

DESCRIPTION 30 June 2016 31 December 2015 30 June 2016 31 December 2015

(Audited) (Audited)

ASSETS

STATEMENTS OF ASSETS' QUALITY AND OTHER INFORMATION

As of June 30, 2016 and 2015

I RELATED PARTIES Placements with other banks a. Rupiah b. Foreign currencies Spot and derivative receivables a. Rupiah

b. Foreign currencies Securities

a. Rupiah b. Foreign currencies

Securities sold under repurchase agreements (Repo)

Securities purchased under resell agreements (Reverse Repo)

a. Rupiah b. Foreign currencies Acceptances receivables Loans

a. Micro, small and medium loans (UMKM) i. Rupiah

ii. Foreign currencies

b. Non UMKM

i. Rupiah ii. Foreign currencies

c. Restructured loans

d. Property loans

Investments in shares Temporary investment Other Receivables Commitments and contingencies a. Rupiah

b. Foreign currencies Repossessed assets II. THIRD PARTIES

Placements with other banks a. Rupiah b. Foreign currencies Spot and derivative receivables a. Rupiah

b. Foreign currencies Securities a. Rupiah b. Foreign currencies

Securities sold under repurchase agreements (Repo)

Securities purchased under resell agreements (Reverse Repo)

a. Rupiah b. Foreign currencies Acceptances receivables Loans

a. Micro, small and medium loans (UMKM)

b. Non UMKM

c. Restructured loans

d. Property loans

Investments in shares Temporary investment Other Receivables Commitments and contingencies a. Rupiah

b. Foreign currencies Repossessed assets 1.

2. 3. 4.

5.

6. 7.

8. 9. 10. 11. 12.

1. 2. 3. 4.

5.

6. 7.

8. 9. 10. 11. 12.

No. DESCRIPTION

30 June 2016

30 June 2015

Current Special Mention Sub Standard Doubtful Loss Total Current Special Mention Sub Standard Doubtful Loss Total

30 June 2016 30 June 2015

BANK CONSOLIDATED BANK CONSOLIDATED

III. OTHER INFORMATIONS 1. Value of bank's assets pledge as collateral : a. To Bank Indonesia

b. To others

2. Total allowance for impairment on financial assets to earning assets 3. Total required allowance for possible losses on earning assets 4. Percentage of UMKM loans to total loans 5. Percentage of UMK loans to total loans 6. Percentage of UMKM debtors to total debtors 7. Percentage of UMK debtors to total debtors 8. Others

a. Channelling of loans b. Mudharabah Muqayyadah financing c. Write off on earning assets d. Recovery of write off on earning assets

e. Write off on earning assets with elimination of right to collect

BANK

INDONESIA MOST

TRUSTED COMPANY

(IMTC) 2007-2015

THE BEST BANK IN

SERVICE EXCELLENCE

2008 - 2015

1

st

PLACE ANNUAL

REPORT AWARD 2015

Kategori BUMN

KEUANGAN LISTED

BEST BANK

IN INDONESIA

2015

Otoritas Jasa Keuangan (OJK)

Kementrian Keuangan

and Bursa Efek Indonesia (BEI)

Indonesian Institute for

Corporate Governance (IICG)

and SWA Magazine

Alpha Southeast Asia

and Finance Asia

MRI and Infobank Magazine

OPERATING INCOME AND EXPENSES

A. Interest and Sharia Income, Interest and Sharia Expenses, and Premium Income and Claim Expenses 1. Interest and Sharia Income

a. Rupiah b. Foreign currencies 2. Interest and Sharia Expenses

a. Rupiah

b. Foreign currencies

Net Interest Income and Sharia Income (Expenses) 3. Premium Income

4. Claim Expenses

Net Premium Income (Claim Expenses)

Net Interest and Sharia Income (Expenses), and Net Premium Income (Claim Expenses)

B. Other Operating Income and Expenses 1. Other Operating Income

a. Increase in fair value of financial assets i. Securities

ii. Loans iii. Spot and derivative iv. Other financial assets b. Decrease in fair value of financial liabilities c. Gain from sale of financial assets i. Securities ii. Loans iii. Other financial assets

d. Gain from spot and derivative transaction (realised) e. Dividend

f. Gain from investment in shares with equity method g. Comissions/provisions/fees and administrative h. Recovery on allowance for impairment

i. Other income

2. Other Operating Expenses a. Decrease in fair value of financial assets i. Securities

ii. Loans iii. Spot and derivative iv. Other financial assets

b. Increase in fair value of financial liabilities c. Losses from sale of financial assets i. Securities

ii. Loans iii. Other financial assets

d. Losses from spot and derivative transaction (realised) e. Impairment for financial assets

i. Securities ii. Loans iii. Sharia financing iv. Other financial assets

f. Losses related to operational risk

g. Losses from investment in shares under equity method h. Comissions/provisions/fees and administrative i. Impairment on non financial assets j. Salaries and employee benefits k. Promotion expenses

l. Other expenses

Other Operating Income (Expenses)

PROFIT (LOSS) FROM OPERATIONS

NON OPERATING INCOME AND EXPENSES

1, Gain (Losses) from sale of premises and equipment 2. Gain (Losses) from foreign currencies translation 3. Other non operating income (expenses)

PROFIT (LOSS) FROM NON OPERATING

PROFIT (LOSS) CURRENT PERIOD BEFORE TAX

Income tax expenses a. Estimated current tax b. Deffered tax income (expenses)

PROFIT (LOSS) AFTER INCOME TAX - NET

OTHER COMPREHENSIVE INCOME

1. Unreclassified to profit (loss) a. Premises and equipment revaluation increment

b. Gain (losses) from actuarial benefit program c. Other comprehensive income from entity associations d. Others

e. Income tax related to other comprehensive income

2. Reclassified to profit (loss)

a. Adjustment arising from translation of financial statement b. Gain (Losses) from changes of financial assets on available for sale c. Effective cash flow hedges

d. Others

e. Income tax related to other comprehensive income

Other comprehensive income current period after income tax - net

TOTAL OTHER COMPREHENSIVE INCOME CURRENT PERIOD

Income atributtable to : Parent Company Non controlling interest

TOTAL INCOME CURRENT PERIOD

Total other comprehensive income atributtable to : Parent Company

Non controlling interest

TOTAL OTHER COMPREHENSIVE INCOME CURRENT PERIOD

Total comprehensive income atributtable to : Parent Company

Non controlling interest

TOTAL COMPREHENSIVE INCOME CURRENT PERIOD

TRANSFER OF INCOME (LOSSES) TO HEAD OFFICE DIVIDEND

EARNING PER SHARE

LIABILITIES AND EQUITY

16,000,000 (4,333,333) - 17,316,192 - - - - 242,807 (1,815,490) - - - 343,636 184,511 - - - (92,751) 2,333,333 7,022,115 59,534,302 20,334,968 117,070,290 2,421,551 119,491,841 910,063,409

30 June 2016 31 Dec 2015 30 June 2016 31 Dec 2015 (Audited) (Audited)

BANK CONSOLIDATED

STATEMENT OF COMMITMENTS AND CONTINGENCIES

As of June 30, 2016 and December 31, 2015

I. COMMITMENT RECEIVABLES 1. Unused fund borrowings facilities

2. Outstanding purchase position on spot and derivative 3. Others

II. COMMITMENT PAYABLES 1. Unused loan facilities granted to customer

a. BUMN i. Committed - Rupiah - Foreign currencies ii. Uncommitted - Rupiah - Foreign currencies b. Others

i. Committed ii. Uncommitted

2. Unused loan facilities granted to other banks a. Committed

i. Rupiah ii. Foreign currencies b. Uncommitted

i. Rupiah ii. Foreign currencies 3. Outstanding irrevocable letters of credit

a. Foreign letters of credit b. Local letters of credit

4. Outstanding sales position on spot and derivative 5. Others

III. CONTINGENT RECEIVABLES 1. Guarantees received

a. Rupiah b. Foreign currencies 2. Unrecognized interest income

a. Interest loan b. Others interest 3. Others IV. CONTINGENT PAYABLES

1. Guarantees issued a. Rupiah b. Foreign currencies 2. Others

DESCRIPTION No.

Appointment as Commissioner has received approval from the Otoritas Jasa Keuangan (OJK) on Fit and Proper Test and has become effective served since February 16, 2016.

Appointed at the Annual General Meeting on 21 March 2016 and will become effective after approval by the Otoritas Jasa Keuangan on Fit and Proper Test and meet the prevailing regulations.

The transfer of assignment of the Director as Managing Director according to the decision of Annual General Meeting dated March 21, 2016, has received approval from the Otoritas Jasa Keuangan on Fit and Proper Test and has been effective since May 17, 2016.

Director of Compliance. *)

**)

BOARD OF COMMISSIONERS

MANAGEMENT OF THE BANK

SHAREHOLDER

Ultimate Shareholder

Republic of Indonesia

: 60.00%

Non ultimate shareholder through

capital market (≥ 5%)

: Nill

Non ultimate shareholder through

non capital market (≥ 5%)

: Nill

- President Commissioner

: Wimboh Santoso *)

- Deputy President Commissioner

: Imam Apriyanto Putro

- Independent Commissioner

: Abdul Aziz

- Commissioner

: Askolani

- Independent Commissioner

: Aviliani

: Goei Siauw Hong

: Bangun Sarwito Kusmulyono

- Commissioner

: Ardan Adiperdana **)

BOARD OF DIRECTORS

- President Director

: Kartika Wirjoatmodjo ***)

- Vice President Director

: Sulaiman Arif Arianto

- Director

: Ogi Prastomiyono

- Director

: Pahala N. Mansury

- Director

: Royke Tumilaar

- Director

: Hery Gunardi

- Director

: Kartini Sally

- Director

: Ahmad Siddik Badruddin ****)

- Director

: Tardi

- Director

: Rico Usthavia Frans **)

0.00%

6.50%

8.10%

5.21%

0.00%

8.00%

8.10%

1.06%

STATEMENT OF CASH FLOW

For the Period Ended June 30, 2016 and 2015

DESCRIPTION

CONSOLIDATED

30 June 2016 30 June 2015

Receipts from interest income and sharia income Receipts from fees, commissions and premium - net Payments of interest expense and sharia expenses Receipts from the sale of government bonds - fair value through profit or loss

Acquisition of government bonds - fair value through profit or loss Foreign exchange gains/(losses) - net

Other operating income - others Other operating expenses - others Salaries and employee benefits General and administrative expenses Non operating income/(expense) - net Payment of corporate income tax

Cash flow from operating activities before changes in

operating assets and liabilities

Decrease/(increase) in operating assets:

Placements with Bank Indonesia and other banks Marketable securities - Fair value through profit or loss Other receivables - trade transactions Loans

Securities purchased under resell agreements Consumer financing receivable Net investment in finance leases Prepaid taxes Prepaid expense Other assets

Proceeds from collection of financial assets already written - off

Increase/(decrease) in operating liabilities and temporary syirkah funds:

Conventional Banking Demand deposits Saving deposits Time deposits Inter-bank call money Obligation due immediately Liability to unit - linked policyholders Other taxes payable Other liabilities

Sharia Banking - temporary syirkah funds

Demand deposits restricted investment and demand deposit mudharabah musytarakah

Saving deposits - restricted investment and mudharabah saving deposits - unrestricted investment Mudharabah time deposits - unrestricted investment

Net cash provided by operating activities

Increase in marketable securities - Available for sale and Held to maturity

Decrease/(increase) in Government Bonds - Available for sale and Held to maturity

Proceeds from sale of fixed assets Acquisition of fixed assets Sales/(acquisition) of intangible assets Net cash provided by/(used) in investing activities Increase of investment in Subsidiaries Increase/(decrease) in marketable securities issued Increase/(decrease) in payment fund borrowings Decrease of Subordinated Loans Increase in securities sold under repurchase agreements Payments of dividends

Net cash provided by financing activities NET INCREASE/(DECREASE) IN CASH AND CASH EQUIVALENTS EFFECT OF EXCHANGE RATE CHANGES ON CASH AND CASH EQUIVALENT

CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD CASH AND CASH EQUIVALENTS AT END OF PERIOD

Cash and cash equivalent at end of period consist of : Cash

Current accounts with Bank Indonesia Current accounts with other banks Placements with Bank Indonesia and other banks Certificate of Bank Indonesia

Total cash and cash equivalents

Activities not affecting cash flows :

Unrealised gain/(losses) in available for sale marketable securities and Government Bonds - net of deffered tax Acquisition of fixed assets - payable CASH FLOWS FROM INVESTING ACTIVITIES

CASH FLOWS FROM FINANCING ACTIVITIES

Supplemental Cash Flows Information

CASH FLOWS FROM OPERATING ACTIVITIES 172,165,990

271,707,530 232,513,741 - - 12,951,692 303,661 4,863,171 11,331,273 2,320,975 37,504,851 1,863,755 - - - 17,019,049 26,025,880 -

Buffer percentage that must be fulfilled by bank KPMM Allocation

Kartika Wirjoatmodjo

President Director

Pahala N. Mansury

Director

Jakarta, July 27, 2016

S. E & O

Board of Directors

PT Bank Mandiri (Persero) Tbk.

23,118,246

77,227,592 16,161,252 702,877 2,525,862 84,299,093 25,267,020 - 5,342,711 - 11,331,273 - - - 536,029,812 - - 5,354,140 - (133,392) (20,470,785) (1,928,050) 3,109,126 (1,733,034) 15,352,695 (6,443,338) 150,039 19,815 573,821 (19,487,387) 19,567,324 (309,964) - 4,318,681 27,605,683 21,783,697

91,189,195 23,989,015 438,018 2,444,482 84,329,417 18,879,518 - 9,735,182 - 13,204,195 - - - 546,952,351 - - 5,694,141 - (72,875) (24,492,020) (2,086,246) 3,090,995 (1,890,314) 41,181,076 (6,978,491) 150,039 19,815 1,348,564 (19,034,312) 19,100,262 (302,423) - 3,572,692 26,649,950

25,109,124 83,452,384 20,405,181 703,186 20,979,816 86,600,853 34,467,541 - 5,342,711 676,900 11,331,273 - - - 586,675,437 8,178,063 - 58,644

- (285,317) (22,281,842) (2,215,456) 3,793,181 (1,877,989) 17,470,126 (7,708,438) 150,272 21,414 573,821 (19,487,387) 19,567,324 (310,903) 604,150 4,834,522 33,234,818 23,550,297

98,637,786 28,009,498 441,618 23,393,805 87,277,850 27,710,774 - 9,735,182 607,248 13,204,195 - - - 599,973,244

10,278,306 - 151,247

- (224,970) (26,255,797) (2,418,857) 3,791,585 (2,058,419) 43,774,798 (8,373,212) 150,272 21,414 1,348,564 (19,034,312) 19,100,262 (303,362) 635,161 4,060,179 34,260,078 807,551,112 971,444,434

858,895,923 910,063,409

166,404,947 246,324,710 200,431,272 - - 12,440,574 303,547 4,863,171 11,331,273 564 33,686,787 1,863,755 - - - - 18,154,547 -

165,815,213 273,584,487 251,958,889 - - 15,939,702 271,718 8,792,664 13,204,195 3,280,094 37,731,430 1,597,680 - - - 19,282,818 32,896,350 - 158,886,732

248,607,824 217,636,055 - - 15,714,513 271,718 8,792,664 13,204,195 564 32,433,531 1,597,680 - - - - 22,658,762 -

695,805,147

719,804,238 790,571,568

16,000,000 (4,333,333) - 17,476,308 - - - - 69,774 (1,901,815) - - -308,294 317,660 - - - - 2,333,333 7,022,115 54,349,199 20,104,430 -111,745,965 144,808,991 139,091,685

807,551,112 858,895,923

139,091,685 111,745,965 147,089,194 971,444,434

30,502,321

28,283,412 2,218,909

11,749,096

11,048,779 700,317

18,753,225

- -

-

18,753,225

36,367,712

33,620,684 2,747,028

12,124,006

11,196,260 927,746

24,243,706 5,042,828 3,498,436 1,544,392

25,788,098

695,805,147

31,832,003

29,193,419 2,638,584

10,491,099

9,570,408 920,691

21,340,904

- -

-

21,340,904

34,571,085

32,272,345 2,298,740

13,371,176

12,667,646 703,530

21,199,909 5,036,629 3,481,128 1,555,501

22,755,410

8,025,289 9,279,181

8,794,529 8,140,774

- - 740,747 - -

268,170 - - 106,715 751,420 - 4,609,697

40,551 1,507,989 1,507

- 914,132 - -

306,542 - - 86,475 701,546 - 5,142,329 88,340 1,553,658

- - 740,747

- -

284,284 - - 120,209

581 - 5,054,101

40,551 1,900,301 80,744

- 914,132

- -

328,168 - - 102,188

14 - 5,500,575

88,340 2,265,020

14,354,391

21,423,625 17,811,962

195 - - - -

- - - -

- 3,390,071

- 217,716 (123) - 393,418 1,043 4,627,138 319,336 5,405,597 (6,329,102) - - - - -

- - - -

79,663 8,791,101 - 161,854 19,859 - 353,090 116 5,268,227 412,818 6,336,897 (12,629,096)

71,023 - - - -

- - - -

6,940 3,702,277 - 327,743

(123) - 393,418

(470) 5,904,491 396,723 7,009,940 (9,671,188) - - - - -

- - - -

79,833 9,348,806 - 386,807

19,859 - 353,090 141,001 6,665,942 473,504 8,137,360 (16,327,021)

12,424,123

8,711,808 9,461,077 13,084,222

87 - 9,079

9,166 12,433,289

(1,925,398) (475,711)

10,032,180

(173) - 5,186

5,013 8,716,821

(1,211,215) (427,857)

7,077,749

(134) - (7,776)

(7,910) 9,453,167

(1,475,219) (475,802)

7,502,146

100 - 2,082

2,182 13,086,404

(2,233,737) (516,148)

10,336,519

- (6,800) - - -

38,113 (551,940) - - 101,522

(419,105)

9,613,075

10,032,180 -

10,032,180

(419,105) -

(419,105)

9,613,075

9,613,075

--

- (9,092) - - -

87,026 (559,328) - 103,679

(377,715)

9,958,804

9,924,439 412,080

10,336,519

(377,715) -

(377,715)

9,546,724 412,080

9,958,804

- -

303.44 425.33

85,522,650 11,666,667 83,086,330

17,476,308 - 2,333,333 54,349,199 10,032,180 136,305 - - - (1,009,685) - - (231,310)

- - (9,230,347)

(3,429,138) - (1,012,435) (4,788,774) - - - -

- -

118,907,475 11,666,667 117,660,861

17,476,308 - 2,333,333 66,075,622 7,077,749 41,802 - - - 105,075 24,796,520 - (245,548) -

(10,420,053)

(3,572,692) - (1,200,681) (5,646,680) - - - -

- -

93,205,902 11,666,667 88,419,689

17,316,192 - 2,333,333 59,719,328 9,924,439 290,651 - - - (919,882) - - (244,372) -

290,923 (7,171,377)

(3,634,582) (117,741) (1,112,260) (2,306,794) - - - -

- - - 85,522,650 93,205,902

14,354,398

16,416,909 14,956,594

1,244,269 - 6,088,014 7,022,115 - - - 520,024

- 6,597,253 9,299,632 - -

520,024 - 7,257,005 9,299,632 --

1,244,269 - 6,690,210 7,022,115 - - - 99,877,048

135,324,384 108,162,496

- 4,135,500 1,078,194 -

9,050,393 479,761 13,272,271 2,849,730 19,669,309 59,417,877

80,053 - 2,000 - 7,779,251 3,112,079 462,558 -

831,441 18,974,250 7,933,487 51,949 32,729

38,889,327 47,965,496 432,992

- - 485,321

-4,402,206 997,903 13,729,989 1,060,924 20,149,246 68,370,718

42,734 - - - 6,162,619 3,012,932 604,263 29,068

944,240 14,471,354 8,674,755 1,834,263 32,729

37,587,658 39,018,844 451,950 -

- 485,321

-

4,402,206 997,903 13,729,989 1,060,924 20,149,246 67,661,287

42,734 - - - 6,157,364 3,012,932 604,263 -

944,240 14,269,379 8,668,112 51,949 32,729

37,479,322 38,686,708 451,950

- 4,135,500 1,078,194 -

9,050,393 479,761 13,272,271 2,849,730 19,669,811 59,934,634

80,053 - 2,000 - 7,812,509 3,112,079 462,558 -

833,784 19,187,779 7,939,596 1,527,323 32,729

39,048,742 48,198,074 432,992

33,141,211 6,581,400 (13,366,735) 35,636,789 (36,716,846) 1,129,605 780,048 (2,841,787) (6,380,833) (5,048,041) 2,182 (3,109,900)

9,807,093

(1,652,120) 5,586,140 (1,791,084) (25,390,289) 5,358,605 (882,910) 14,687 (136,789) (547,199) 312,547 1,149,036

40,800,165 (15,991,409) 15,568,636 (819,106) 109,792 (465,560) (67,289) 4,262,970

(1,562) (705,463) (1,499,664)

33,019,227

(12,579,750) (13,063,092) 3,028 (566,788) (129,023)

(26,335,625)

(573,598) (203,873) (3,648,023) (11) 2,748,365 (4,967,968)

(6,645,108) 38,494

1,884,120 138,804,383 140,726,997

19,523,886 52,525,216 12,212,076 55,986,975 478,844

140,726,997

(1,026,997) (375,619)

- - 26,651,141 21,768,335 14.11% 6.50% 54.74%

52.14%

383,619 4,307,365 1,216,584

- - 19,027,293 15,237,666 15.00% 6.07% 50.36% 47.26%

13,310,459 - 2,696,876 1,200,347 -

21.78%

2.38%

2.95%

3.47%

3.74%

1.33%

2.15%

13.33%

6.06%

78.56%

87.19%

17.63%

1.31%

1.59%

2.55%

2.00%

0.63%

3.21%

23.68%

5.58%

67.75%

82.97%

48,622 - 119,918 - - 194,526 9,165,861 37,784 88 1,708,972 109,420

41,817 - 9,558 - - 104,461 7,555,670 - - 40,016 51,592

248,131 638 222,937 - 9,161 288,296 4,607,308 72 - 131,453 856,821

48,622 - 87,000 - - 5,419 8,361,010 109,375 88 1,118,156 78,038

5,451,766 10,139,686 - - 34,006,932

-4,515,644 329,823 - - - 26,642,325

- 936,122 9,809,863 - -- 7,364,607

- 6,936 84,186 - - - 338,730

- 11,478 73,600 - - - 52,716

- -

- - - 13,514,242 - 6,695,211 69,807,837

- - - - 13,514,242

- 6,695,211 38,320,045

- - - - 51,221

- 82,703 271,718 - - - - 2,621

- 5,545 438,018 -

- - - - - - 31,487,792 22

1,216,406 148,608 - 383,913

- - - - - 3,562,777

2,465

2,465 -

16,123,553

6,696,019 9,427,534 - - -

8,228

5,024,629 -271,743 2,846,515 4,426,844

- - - - - - - - - - - - - -

1,133

1,133 - - - -

341

- -- - - -

- - - - - - - - - - - - - - - - - - - - - 642,227 - - - - -

- - - - - - - - - - - - - - - - - - - - - - - - - -

- - - - - - - - - - - - - - - - - - - - - 25,191

- - - - -

- - - - - - - - - - - -

- - - - - - - - - 25,191

- - - - - -

- - - - - - - - - - - - - - - - - - - - 561,227 - - - - - 22

1,641,576 - - 293,951

1,287 - - - - 14,963

1,722

1,722 -

11,702,093

3,499,457 8,202,636 - - -

9,456

4,235,629 - 133,325 889,867 6,085,470 -

22 1,641,576

- -

293,951 1,287

- -

- - 14,963

1,722 1,722 - 11,702,584

3,499,948 8,202,636 - - - 9,456 4,822,047 - 133,325

890,203 6,085,470 -

- - - - - - - - - - - -

- - 491 491 - - - - - - - - 336

- -

- - - - - - - - - - - - - - - - - - - - - - - - - - -

25,840,519 44,024,264 289,147 263 75,737,223 29,532,281 9,735,182 - - - 9,602,325

66,322,341

65,943,698 378,643

418,854,711

346,904,407 71,950,304

13,936,316

8,734,471 5,201,845

38,181,353

1,955 12,756,200 127,195,721 57,692,653

- - - - - - - - - - 35,388

6,381,440

6,381,440 -

18,822,771

16,743,460 2,079,311

11,259,539

9,235,341 2,024,198

3,232,276

- - 102,550 784,132 371,580

- - - - - - - - - - - -

745,502

723,701 21,801

4,439,497

3,779,575 659,922

3,554,144

3,146,570 407,574

110,232

- 2,244 1,756 20,439

- - - - - - - - -

3,705

982,084

982,084 -

4,513,466

3,623,890 889,576

1,756,409

1,003,846 752,263

135,896

-319,555 21,621

513 -

- 48,092

- - - - - - -

2,751,168

2,751,168 -

7,012,220

5,864,882 1,147,338

3,620,277

3,219,630 400,647

513,314

-139 1,120,347 16,767 2,074 19,815

25,840,519 44,072,356

289,147 263

75,737,223 29,532,281

9,735,182 -

- - 9,641,418

77,182,535 76,782,091 400,444 453,642,665 376,916,214 76,726,451 34,126,685 25,339,858 8,786,827 42,173,071 1,955

139 14,300,896 128,019,997 58,087,259

19,815

21,093,073 44,170,682 67,709 5,927 79,486,355 30,390,739 9,941,005 - 13,725,477 - 28,814,642

65,313,037

64,935,566 377,471

383,713,995

322,004,168 61,709,827

8,789,614

3,880,067 4,909,547

24,802,508

1,955 - 13,011,936 103,900,619 62,876,017

- - - - - - - - - - 108,381

5,809,549

5,804,185 5,364

19,254,234

14,756,172 4,498,062

9,431,594

5,804,709 3,626,885

3,681,547

- - 761,012 1,105,848 696,592

- - - - - - - - - - -

479,346

479,346 -

1,827,491

1,082,140 745,351

1,338,651

768,422 570,229

108,306

- - 52,862 13,123 7,646

- - - - - - - - - - -

821,671

821,671

- 985,041

930,284 54,757

242,063

187,306 54,757

107,466

- 175

- 3,567

-

- 48,622

- - 87,000

- - - - - -

1,931,244

1,931,244

- 3,927,171

2,618,416 1,308,755

1,090,278

342,533 747,745

353,280

- - 1,072,176 14,856 52 19,815

21,093,073 44,219,304

67,709 5,927

79,573,355 30,390,739

9,941,005 -

13,725,477 - 28,923,023

74,354,847 73,972,012 382,835 409,707,932 341,391,180 68,316,752 20,892,200 10,983,037 9,909,163 29,053,107 1,955 175 14,897,986

105,038,013 63,580,307 19,815

48,092 -59,725 -136,808 15,986,782 44,922 139 1,729,312 250,084

39,522 - 13,150 - - 40,145 8,505,238 -47,306 20,848

239,409 4,311 241,433 -131,651 5,013,031 72 -130,280 848,067

48,092 3,622 14,549,182 121,525 139 1,285,588 44,257

127,555,998 11,666,667 123,421,292

17,316,192 - 2,333,333 71,491,263 7,080,380 188,272 - - - 117,816 25,140,523 - (246,487)

-

304,755 (7,836,716)

(3,852,579) (117,741) (1,297,243) (2,569,153) - - - -

- - -127,555,998 118,907,475

144,632,659

487,041,127 775,007 78,627,774 566,443,908 9.00% 527,780,240

1,563,735 92,008,869 621,352,844 9.00%

581,570,079 1,894,617 107,636,532 691,101,228 9.00%

535,216,769 938,454 95,640,437 631,795,660 9.00%

RATIO KPMM Ratio CET1 Ratio Tier 1 Ratio Tier 2 Ratio Total CET 1 for

Buffer 19.14% 19.14% 2.64% 21.78% 1.25%

18.46% 18.46% 2.47% 20.93% 1.25%

From AT 1 From Tier 2

6.36% 0.00% 2.64%

0.625% 0.00% 0.625%

0.625% 0.00% 0.625% 6,53%

0.00% 2.47% From CET 1

Capital conservation buffer Countercylical buffer Capital surcharge for D-SIB

16,000,000 (4,333,333) - 17,476,308 - - - - 41,802 137,390 - 25,588,987

- 298,874 (904,679) - - -2,333,333 9,299,632 66,075,622 7,077,749

16,000,000 (4,333,333) - 17,316,192

- - - - 188,272 210,268 25,932,955 -333,333 (950,552) - - - (92,751) 2,333,333 9,299,632 71,491,263 7,080,379 2,280,203

25,588,987 (11,775) - - (790,112)

(27,972) 1,929,821 - - (320,488)

26,368,461

33,446,210

7,077,749 -

7,077,749

26,368,461 -

26,368,461

33,446,210 -

33,446,210

--

25,933,025 (10,586) - - (792,176)

(54,535) 2,058,669

- (342,922)

26,791,475

34,293,621

7,080,379 421,767

7,502,146

26,758,812 32,663

26,791,475

33,839,191 454,430

34,293,621

22 1,216,406

148,608 -

383,913 -

- -

- - 3,562,777

2,465 2,465 - 16,124,686

6,697,152 9,427,534 - - - 8,569 5,692,047

- 271,743

2,846,515 4,426,844

35,271,882 7,026,886 (12,071,896) 25,423,177 (24,908,207) 111,997 885,754 (2,507,806) (7,960,953) (6,095,830) (7,910) (2,394,047)

12,773,047

723,997 (2,288,018) 399,068 (18,119,526) 69,652 (2,279,198) (31,795) 1,107,924 (424,900) (3,001,610) 1,397,362

(6,308,988) 2,297,661 23,101,660 (1,262,414) 476,119 2,263,769 (317,390) 10,212,929

438 (685,954) 814,457

20,918,290

(3,392,767) 6,323,784 1,947 (1,169,850) 1,595

1,764,709

(655,718) 954,738 1,532,012 (25,327) 3,929,493 (6,100,490)

(365,292) 22,317,707

(556,367) 125,667,407 147,428,747

23,550,297 47,338,360 12,435,010 64,001,679 103,401

147,428,747

117,817 (413,841) 824,355,240

25,606,202

17,076,661

***)

****)

15.10% 15.10% 2.53% 17.63%