PT BANK CIMB NIAGA Tbk

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PT BANK CIMB NIAGA Tbk

DAN ENTITAS ANAK/AND SUBSIDIARIES

LAPORAN KEUANGAN KONSOLIDASIAN/

CONSOLIDATED FINANCIAL STATEMENTS

31 MARET 2020 (TIDAK DIAUDIT) DAN 31 DESEMBER 2019 (DIAUDIT)

,

SERTA UNTUK PERIODE TIGA BULAN YANG BERAKHIR 31 MARET 2020 (TIDAK DIAUDIT) DAN 2019 (DIAUDIT)/

31 MARCH 2020 (UNAUDITED) AND 31 DECEMBER 2019 (AUDITED) AND FOR THE THREE-MONTH PERIOD ENDED

31 MARCH 2020 (UNAUDITED) AND 2019 (AUDITED)

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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.

31 Maret/ 31 Desember/

Catatan/ March December

Notes 2020 2019

ASET ASSETS

K a s 2e,2f,2i,4 5,290,790 5,693,065 Cash

Giro pada Bank Indonesia 2e,2f,2j,5 6,370,590 11,395,695 Current accounts with Bank Indonesia

Giro pada bank lain 2,313,470 2,162,195 Current accounts with other banks

Dikurangi: Cadangan kerugian Less: Allowance for

ekspektasian - - expected losses

2e,2f,2h,2j,2ai,6,49 2,313,470 2,162,195

Penempatan pada bank lain Placement with other banks

dan Bank Indonesia 14,775,749 12,133,873 and Bank Indonesia

ekspektasian (31,910) (29,143) expected losses

2e,2f,2h,2k,7 14,743,839 12,104,730

Efek-efek 10,951,354 12,000,711 Marketable securities

2e,2f,2h,2l,8 10,935,618 11,962,665

Obligasi Pemerintah 2e,2f,2l,9 25,258,181 22,160,303 Government Bonds

Efek-efek yang dibeli dengan janji Securities purchased under

dijual kembali 2f,2m,10 2,559,240 522,857 resale agreements

Tagihan derivatif 2e,2f,2n,11 2,676,624 725,478 Derivative receivables

Kredit yang diberikan Loans

Pihak berelasi 2f,2ai,12,49 130,636 232,557 Related parties

Pihak ketiga 2e,2f,2o,12 190,758,214 190,750,561 Third parties

190,888,850 190,983,118

ekspektasian (10,260,631) (5,984,978) expected losses

2e,2f,2h,2o,2ai,12,49 180,628,219 184,998,140

Piutang pembiayaan konsumen 3,393,038 3,254,233 Consumer financing receivables

2f,2h,2p,13 3,298,842 3,179,370

Piutang sewa pembiayaan - 180 Financing lease receivables

ekspektasian - (180) expected losses

2f,2h,2q,14 - -

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Halaman – 1/2 – Page

Notes 2020 2019

ASET (lanjutan) ASSETS (continued)

Tagihan akseptasi 3,309,623 3,767,071 Acceptance receivables

ekspektasian - - expected losses

2e,2f,2h,2r,15 3,309,623 3,767,071

Penyertaan 4,214 4,214 Investments

ekspektasian (555) (555) expected losses

2f,2h,2s,16 3,659 3,659

Aset tetap 8,292,502 8,222,562 Fixed assets

Dikurangi: Akumulasi penyusutan (2,049,472) (1,974,281) Less: Accumulated depreciation

2t,17 6,243,030 6,248,281

Aset tidak berwujud 3,156,037 3,105,497 Intangible assets

Dikurangi: Akumulasi penyusutan (1,451,108) (1,401,448) Less: Accumulated depreciation

2u,18 1,704,929 1,704,049

Aset yang diambil alih 179,435 180,861 Foreclosed assets

2h,2v,19 29,607 51,103

Uang muka pajak 2af,31a 1,752,805 1,644,089 Prepaid taxes

Pendapatan bunga yang masih akan diterima 2e,2f,20 1,397,919 1,239,731 Accrued interest income

Beban dibayar dimuka 2w,2ai,21,49 1,226,535 1,373,464 Prepaid expenses

Aset pajak tangguhan - bersih 2af,31d 1,307,772 18,458 Deferred tax assets - net

Aset lain-lain 3,911,291 3,954,380 Other assets

2f,2h,2w,2x,2ai,22,49 3,466,931 3,512,824

JUMLAH ASET 274,518,223 274,467,227 TOTAL ASSETS

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Notes 2020 2019

LIABILITAS DAN EKUITAS LIABILITIES AND EQUITY

LIABILITAS LIABILITIES

Liabilitas segera 2f,2y,23 2,516,208 1,781,962 Obligations due immediately

Simpanan dari nasabah Deposits from customers

Giro Demand deposits

Pihak berelasi 2e,2ai,24,49 110,869 75,132 Related parties

Pihak ketiga 2e,2f,2z,24 56,205,165 48,868,781 Third parties

56,316,034

48,943,913

Tabungan Saving deposits

65,334,108

59,316,069

Deposito berjangka Time deposits

80,912,980

87,340,318

Jumlah simpanan dari nasabah 202,563,122 195,600,300 Total deposits from customers

Simpanan dari bank Lain Deposits from other banks

Giro dan tabungan 2e,2f,2z,2ai,27,49 1,455,338 1,099,645 Demand and saving deposits

Inter-bank call money dan Inter-bank call money and

deposito berjangka 2e,2f,2z,28 1,732,764 264,941 time deposits

3,188,102

1,364,586

Efek-efek yang dijual dengan janji Securities sold under

dibeli kembali 2f,2m,10 1,335,061 10,470,737 repurchase agreement

Liabilitas derivatif 2e,2f,2n,2ai,11,49 3,061,636 474,915 Derivative payables

Liabilitas akseptasi 2e,2f,2r,15 3,309,623 3,767,071 Acceptance payables

Efek-efek yang diterbitkan 2f,2aa,29 8,504,229 7,503,112 Marketable securities issued

Pinjaman yang diterima 2e,2f,2ai,2ab,30,49 1,359,963 2,647,013 Borrowings

Utang pajak 2af,31b Taxes payable

- Pajak penghasilan badan induk perusahaan 147,686 171,824 Corporate income taxes of parent company -

- Pajak lain-lain 380,199 326,717 Other taxes -

527,885

498,541

Liabilitas pajak tangguhan - bersih 2af,31d - 73,238 Deferred tax liabilities - net

Beban yang masih harus dibayar Accruals expense and other

dan liabilitas lain-lain liabilities

- Beban yang masih harus dibayar 2f,32a 3,114,696 3,002,769 Accruals -

- Liabilitas lain-lain 2f,32b 2,282,923 1,035,915 Other liabilities -

5,397,619

4,038,684

Liabilitas imbalan kerja 2ag,45 904,097 1,131,727 Employee benefit obligations

Pinjaman subordinasi 2f,2ab,33 1,821,874 1,821,175 Subordinated loans

JUMLAH LIABILITAS 234,489,419 231,173,061 TOTAL LIABILITIES

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Halaman – 1/4 – Page

Notes 2020 2019

EKUITAS EQUITY

Ekuitas diatribusikan kepada Equity attributable to

pemilik entitas induk owners of the parent

Modal saham biasa Share capital

Modal dasar 71.853.936 Authorized capital 71,853,936

saham biasa kelas A, dengan class A ordinary shares with

nilai nominal Rp 5.000 (nilai penuh) par value of Rp 5,000 (full

per saham dan 50.814.606.400 amount) per share, and

saham biasa kelas B, 50,814,606,400 class B

dengan nilai nominal Rp 50 ordinary shares with par value

(nilai penuh) per saham of Rp 50 (full amount) per share

Modal ditempatkan dan disetor penuh Issued and fully paid

71.853.936 lembar saham biasa kelas A dan 71,853,936 class A ordinary shares

25.059.752.907 lembar saham biasa kelas B and 25,059,752,907 class B ordinary shares

pada tanggal 31 Maret 2020 dan 31 Desember 2019 34 1,612,257 1,612,257 as at 31 March 2020 and 31 December 2019

Tambahan modal disetor 2c,34 7,033,450 7,033,450 Additional paid in capital

Transaksi dengan kepentingan nonpengendali (35,723) (35,723) Transactions with non-controlling interest

Saham treasuri 2aj, 34 (253,279) (253,279) Treasury shares

Cadangan kompensasi berbasis saham 95,731 95,520 Share-based compensation reserve

Selisih penilaian kembali aset tetap 2t,17 3,520,447 3,520,447 Reserve on revaluation of fixed assets

(Kerugian)/keuntungan yang belum direalisasi Unrealised (losses)/gains on available-for-sale

atas efek-efek dan obligasi pemerintah marketable securities

dalam kelompok tersedia untuk dijual 2l (319,991) (138,554) and government bonds

Cadangan umum dan wajib 35 351,538 351,538 General and statutory reserve

Saldo laba 28,009,333 31,093,235 Retained earnings

40,013,763

43,278,891

Kepentingan nonpengendali 2c,50 15,041 15,275 Non-controlling interest

Jumlah ekuitas 40,028,804 43,294,166 Total equity

JUMLAH LIABILITAS TOTAL LIABILITIES

DAN EKUITAS 274,518,223 274,467,227 AND EQUITY

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Halaman – 2/1 – Page

2020 2019

Catatan/ 3 Bulan/ 3 Bulan/

Notes Months Months

PENDAPATAN DAN BEBAN INCOME AND EXPENSES

OPERASIONAL FROM OPERATIONS

Pendapatan bunga 2ac,2ai,36,49 4,368,738 4,475,259 Interest income

Pendapatan syariah 2ac,2ai,36,49 922,402 774,296 Sharia income

Beban bunga 2ac,2ai,37,49 (1,621,401) (1,705,939) Interest expense

Beban syariah 2ac,2ai,37,62 (601,240) (506,017) Sharia expense

Pendapatan bunga dan syariah - bersih 3,068,499 3,037,599 Net interest and sharia income

Pendapatan operasional lainnya: Other operating income:

Provisi dan komisi lainnya 2ad,38 586,988 624,011 Other fees and commissions

Keuntungan/(kerugian) transaksi mata uang asing 2e 379,749 44,295 Foreign exchange gains/(losses)

Lain-lain 111,086 150,038 Others

Jumlah pendapatan operasional Total other operating

lainnya 1,077,823 818,344 income

Kerugian penurunan nilai atas aset keuangan Impairment losses on financial

dan nonkeuangan - bersih 2h,39 (774,103) (712,297) and non-financial assets - net

Keuntungan dari instrumen keuangan Gains from trading

yang diperdagangkan - bersih 2n,2l,40 (50,773) 114,853 financial instruments - net

Keuntungan dari penjualan efek-efek - bersih 2l,41 124,005 98,626 Gains from sale of marketable securities - net

Beban operasional lainnya: Other operating expenses:

Beban tenaga kerja 2ae,42 (1,125,527) (1,095,741) Personnel expenses

Beban umum dan administrasi 2ae,43 (861,333) (947,948) General and administrative expenses

Lain-lain (90,651) (42,299) Others

Jumlah beban operasional lainnya (2,077,511) (2,085,988) Total other operating expenses

LABA OPERASIONAL BERSIH 1,367,940 1,271,137 NET OPERATING INCOME

PENDAPATAN BUKAN OPERASIONAL INCOME FROM NON OPERATIONS

Pendapatan bukan operasional - bersih 44 61,466 13,406 Non operating income - net

LABA SEBELUM PAJAK INCOME BEFORE

PENGHASILAN 1,429,406 1,284,543 INCOME TAX

BEBAN PAJAK PENGHASILAN 2af,31c (374,440) (340,368) INCOME TAX EXPENSE

LABA SETELAH PAJAK

PENGHASILAN 1,054,966 944,175 INCOME AFTER TAX

HAK MINORITAS ATAS LABA MINORITY INTEREST IN NET

BERSIH ANAK PERUSAHAAN 2c,50 INCOME OF SUBSIDIARIES

LABA BERSIH 1,054,966 944,175 NET INCOME

31 Maret/March

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Halaman – 2/2 – Page

2020 2019

Laba bersih 1,054,966 944,175 Net income

Penghasilan komprehensif lain: Other comprehensive income:

Pos-pos yang tidak akan direklasifikasi ke laba rugi Items that will not be reclassified to profit or loss

Selisih penilaian kembali aset tetap 2t,17 - 299,964 Reserve on revaluation of fixed assets

Pajak penghasilan terkait pos-pos yang tidak Income tax relating to item that will not be

akan direklasifikasi ke laba rugi 31d - - reclassified to profit or loss

-

299,964

Item that will be reclassified subsequently to

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

(Kerugian) yang belum direalisasi Unrealised losses from changes in fair

perubahan nilai wajar dari efek-efek dan obligasi pemerintah value of available-for-sale marketable

dalam kelompok tersedia untuk dijual 2l,8,9 (211,661) 175,671 securities and government bonds

Penyesuaian reklasifikasi atas Reclassification adjustment on gains/(losses)

keuntungan/(kerugian) yang termasuk dalam laba rugi (20,481) 1,122 which already included in profit or loss (232,142)

176,793

Pajak penghasilan terkait pos-pos yang Income tax relating to item that will be

akan direklasifikasi ke laba rugi 31d 50,705 (44,198) reclassified to profit or loss

(181,437)

132,595

PENGHASILAN KOMPREHENSIF LAIN - OTHER COMPREHENSIVE INCOME -

SETELAH PAJAK (181,437) 432,559 NET OF TAX

JUMLAH PENGHASILAN KOMPREHENSIF 873,529 1,376,734 TOTAL COMPREHENSIVE INCOME

Laba bersih yang dapat diatribusikan

kepada: Net income attributable to:

Pemilik entitas induk 1,055,200 944,209 Equity holders of the parent

Kepentingan nonpengendali 50b (234) (34) Non-controlling interest

1,054,966

944,175

Jumlah penghasilan komprehensif yang Total comprehensive income

dapat diatribusikan kepada: attributable to:

Pemilik entitas induk 873,763 1,376,768 Equity holders of the parent

Kepentingan nonpengendali 50b (234) (34) Non-controlling interest

873,529

1,376,734

LABA PER SAHAM EARNINGS PER SHARE

(dalam nilai penuh Rupiah (expressed in Rupiah full

per saham) 2ah,47 amount per share)

Dasar 42.33 37.87 Basic

Dilusian 42.33 37.87 Diluted

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terpisahkan dari laporan keuangan konsolidasian. The accompanying notes form an integral part of these consolidated financial statements.

*) Jumlah yang termasuk di dalam laba untuk periode tiga bulan yang berakhir 31 Maret 2020 dan 2019 adalah

pengukuran kembali atas program imbalan pasti setelah pajak Amounts included in retained earnings for the three-month period ended 31 March 2020 and 2019 are the *)

remeasurement of post employment benefits obligation net of tax

Catatan/

Notes

Modal saham/

Share capital

Tambahan modal disetor/

Additional paid in capital

Transaksi dengan kepentingan

non pengendali/

Transaction with non- controlling

interest

Cadangan kompensasi

berbasis saham/

Share based compensation

reserve

Selisih penilaian kembali aset

tetap/

Reserve on revaluation of

fixed assets

Keuntungan/(kerugian) yang belum direalisasi atas efek- efek dan obligasi pemerintah

dalam kelompok tersedia untuk dijual setelah pajak/

Unrealised gains/(losses) on available-for-sale marketable securities and government bonds net of tax

Saham treasuri/

Treasury shares

Saldo laba yang telah ditentukan penggunaannya - cadangan umum dan wajib/

Appropriated retained earnings

- general and statutory reserve

Saldo laba yang belum ditentukan penggunaannya/

Unappropriated

retained earnings Jumlah/ Total

Kepentingan nonpengendali/ Non-

controlling interest

Jumlah ekuitas/ Total equity

Saldo 1 Januari 2019 1,612,257 7,033,450 (35,723) 86,453 3,077,883 (436,355) (250,321) 351,538 28,140,392 39,579,574 1,005 39,580,579 Balance as at 1 January 2019

Jumlah laba komprehensif Total comprehensive income

tahun berjalan: for the current year:

- Laba bersih - - - - - - - - 944,209 944,209 (34) 944,175 Net income - - Penghasilan komprehensif lain ^*) 2l,2af,8,9,31d,45,50 - - - - 299,964 132,595 - - - 432,559 - 432,559 Other comprehensive income^*)-

-

- - - 299,964 132,595 - - 944,209 1,376,768 (34) 1,376,734

Saham treasuri - - - - - - 996 - - 996 - 996 Treasury shares Cadangan kompensasi berbasis saham - - - 1,738 - - - - - 1,738 - 1,738 Shared based compensation reserve Modal saham - - - - - - - - - - 500 500 Share capital Saldo 31 Maret 2019 1,612,257 7,033,450 (35,723) 88,191 3,377,847 (303,760) (249,325) 351,538 29,084,601 40,959,076 1,471 40,960,547 Balance as at 31 March 2019

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terpisahkan dari laporan keuangan konsolidasian. The accompanying notes form an integral part of these consolidated financial statements.

Halaman – 3/2 – Page

*) Jumlah yang termasuk di dalam laba untuk periode tiga bulan yang berakhir 31 Maret 2020 dan 2019 adalah

pengukuran kembali atas program imbalan pasti setelah pajak Amounts included in retained earnings for the three-month period ended 31 March 2020 and 2019 are the *)

remeasurement of post employment benefits obligation net of tax

Catatan/

Notes

Modal saham/

Share capital

Tambahan modal disetor/

Additional paid in capital

Transaksi dengan kepentingan

non pengendali/

Transaction with non- controlling

interest

Cadangan kompensasi

berbasis saham/

Share based compensation

reserve

Selisih penilaian kembali aset

tetap/

Reserve on revaluation of

fixed assets

(Kerugian)/keuntungan yang belum direalisasi atas efek- efek dan obligasi pemerintah

diukur pada nilai wajar melalui penghasilan

komprehensif lain / Unrealised gains/(losses) on

fair value through other comprehensive income marketable securities and government bonds net of tax

Saham treasuri/

Treasury shares

Saldo laba yang telah ditentukan penggunaannya - cadangan umum dan wajib/

Appropriated retained earnings

- general and statutory reserve

Saldo laba yang belum ditentukan penggunaannya/

Unappropriated

retained earnings Jumlah/ Total

Kepentingan nonpengendali/ Non-

controlling interest

Jumlah ekuitas/ Total equity

Saldo 1 Januari 2020 1,612,257 7,033,450 (35,723) 95,520 3,520,447 (138,554) (253,279) 351,538 31,093,235 43,278,891 15,275 43,294,166 Balance as at 1 January 2020 Implementasi penerapan PSAK 71, net pajak - - - - - - - - (4,139,102) (4,139,102) - (4,139,102) SFAS 71 implementation, net tax

Saldo awal yang disajikan kembali setelah Restated beginning balance

dampak penerapan PSAK 71 1,612,257 7,033,450 (35,723) 95,520 3,520,447 (138,554) (253,279) 351,538 26,954,133 39,139,789 15,275 39,155,064 after impact of SFAS 71 implementation

Jumlah laba komprehensif Total comprehensive income

periode berjalan: for the current period:

- Laba bersih - - - - - - - - 1,055,200 1,055,200 (234) 1,054,966 Net income - - Penghasilan komprehensif lain ^*) 2l,2af,8,9,31d,45,50 - - - - (181,437) - - - (181,437) - (181,437) Other comprehensive income*) -

-

- - - - (181,437) - - 1,055,200 873,763 (234) 873,529

Transaksi dengan pemilik dalam Transaction with owners in their

kapasitasnya sebagai pemilik: capacity as owners:

- Cadangan kompensasi berbasis saham - - - 211 - - - - - 211 211 Shared based compensation reserve - -

- - 211 - - - - - 211 - 211

Saldo 31 Maret 2020 1,612,257 7,033,450 (35,723) 95,731 3,520,447 (319,991) (253,279) 351,538 28,009,333 40,013,763 15,041 40,028,804 Balance as at 31 March 2020 Diatribusikan kepada pemilik entitas induk/Attributable to equity holders of the parent

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2020 2019

Arus kas dari aktivitas operasi Cash flow from operating activities

Pendapatan bunga, provisi, dan komisi yang diterima 5,717,369 5,693,717 Receipts of interest, fees, and commissions income

Bunga, provisi, dan komisi yang dibayar (2,022,571) (1,939,161) Payments of interest, fees, and commissions

Penghasilan operasional lainnya yang diterima 111,085 150,037 Other operating income received

Transaksi mata uang asing Foreign exchange and derivatives

dan derivatif - bersih (1,183,255) 110,747 transactions - net

Beban operasional lainnya yang dibayar (1,941,069) (1,849,906) Other operating expense paid

Pendapatan/(beban) bukan operasional - bersih (1,320,305) 15,109 Non operating income/(expense) - net

Arus kas sebelum perubahan dalam Cash flow before changes in

aset dan liabilitas operasi (638,746) 2,180,543 operating assets and liabilities

Perubahan dalam aset dan liabilitas: Changes in assets and liabilities :

Penurunan/(kenaikan) aset: Decrease/(increase) in assets :

Efek-efek dan Obligasi Pemerintah Fair value through profit or loss marketable securities

untuk tujuan diukur pada nilai wajar melalui laba rugi 171,743 (1,298,693) and Government Bonds

Efek-efek yang dibeli dengan janji dijual kembali (2,036,383) (180,328) Securities purchased under resale agreements

Kredit yang diberikan (518,229) 90,478 Loans

Tagihan akseptasi 457,448 394,662 Acceptance receivables

Piutang pembiayaan konsumen dan sewa pembiayaan (138,625) (40,177) Consumer financing receivables and lease receivables

Aset lain-lain dan beban dibayar dimuka 82,728 1,402,539 Other assets and prepaid expenses

Kenaikan/(penurunan) liabilitas: Increase/(decrease) in liabilities :

Simpanan nasabah 6,962,822 (188,451) Deposits from customers

Simpanan dari bank lain 1,823,516 (170,787) Deposits from other banks

Efek-efek yang dijual dengan janji dibeli kembali (9,135,676) (3,061,000) Securities sold under repurchase agreement

Liabilitas akseptasi (457,448) (394,662) Acceptance payables

Hutang pajak 34,145 (10,741) Taxes payable

Liabilitas segera, beban yang masih harus Obligations due immediately, accruals and

dibayar, dan liabilitas lain-lain serta liabilitas other liabilities, and

imbalan kerja 1,902,844 447,097 employee benefit obligations

Pajak penghasilan yang dibayar selama

periode berjalan 31c (353,519) (362,800) Income tax paid during the period

Kas bersih yang digunakan untuk Net cash used in

aktivitas operasi (1,843,380) (1,192,320) operating activities

Arus kas dari aktivitas investasi Cash flow from investing activities

Hasil penjualan aset tetap 17 637 295 Proceeds from sale of fixed assets

Pembelian efek-efek dan obligasi Purchasing of fair value through other comprehensive income

pemerintah - diukur pada nilai wajar melalui penghasilan and amortised cost marketable

komprehensif lain dan biaya perolehan diamortisasi (7,081,734) - securities and government bonds

Pembelian efek-efek dan obligasi Purchasing of available-for-sale

pemerintah - tersedia untuk dijual dan and held-to-maturity marketable

yang dimiliki hingga jatuh tempo - (2,343,484) securities and government bonds

Penjualan efek-efek dan obligasi Selling of fair value through other comprehensive income

pemerintah - diukur pada nilai wajar melalui penghasilan and amortised cost marketable

komprehensif lain dan biaya perolehan diamortisasi 4,018,768 - securities and government bonds

Penjualan efek-efek dan obligasi Selling of available-for-sale

pemerintah - tersedia untuk dijual dan and held-to-maturity marketable

yang dimiliki hingga jatuh tempo - 467,245 securities and government bonds

Pembelian aset tetap 17 (88,460) (73,109) Acquisition of fixed assets

Pembelian aset tidak berwujud 18 (50,540) (43,562) Acquisition of intangible assets

Kas bersih yang digunakan untuk Net cash provided by (used in)

aktivitas investasi (3,201,329) (1,992,615) investing activities

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Halaman – 4/2 – Page

2020 2019

Arus kas dari aktivitas pendanaan Cash flow from financing activities

Saham treasuri 2aj,34 - 996 Treasury shares

Efek-efek yang diterbitkan 1,000,000 - Marketable securities issued

Pembayaran pokok dan bunga dari obligasi dan Payment of principal and interest from

efek-efek yang diterbitkan (198,299) (153,236) bonds and marketable securities issued

Penambahan atas

pinjaman yang diterima 751,237 51,734 Addition of borrowings

Pembayaran atas bunga dan pinjaman yang diterima (2,075,535) (2,091,510) Payment of interest and borrowings

Kas bersih yang digunakan untuk Net cash provided by (used in)

aktivitas pendanaan (522,597) (2,192,016) financing activities

Pengaruh perubahan kurs mata uang Effects on exchange rate differences

pada kas dan setara kas 2,124,158 124,702 in cash and cash equivalent

Penurunan bersih kas Net (decrease) in cash

dan setara kas (3,443,148) (5,252,249) and cash equivalent

Cash and cash equivalent

Kas dan setara kas pada awal periode 32,458,388 27,728,714 at beginning of the period

Kas dan setara kas pada akhir periode 29,015,240 22,476,465 Cash and cash equivalent at end of the period

Kas dan setara kas terdiri dari: 2e,2f,2h,2i,4,5,6,7,8 Cash and cash equivalent consist of:

Kas 5,290,790 3,488,142 Cash

Giro pada Bank Indonesia 6,370,590 9,768,582 Current accounts with Bank Indonesia

Giro pada bank lain 2,313,470 2,330,693 Current accounts with other banks

Penempatan pada bank lain - jangka Placements with other banks

waktu jatuh tempo tiga bulan atau - mature within three months or less

kurang sejak tanggal perolehan 14,775,749 6,507,244 since acquisition date

Sertifikat Bank Indonesia dan Sertifikat Deposito Bank Indonesia Certificates and

Bank Indonesia - jangka waktu Bank Indonesia Certificates Deposits - mature

jatuh tempo tiga bulan atau kurang within three months or less since

sejak tanggal perolehan 264,641 381,804 acquisition date

Jumlah kas dan setara kas 29,015,240 22,476,465 Total cash and cash equivalents

Informasi tambahan arus kas: Supplemental cash flows information:

Aktivitas yang tidak mempengaruhi arus kas - - Activities not affecting cash flows

Arus kas/ Amortisasi diskonto dan premi/ Akuisisi/ Pergerakan valuta asing/

2019 Cash flow Amortisation of discount and premium Acquisition Foreign currency movement 2020

12 Bulan/ 3 Bulan/ 3 Bulan/ 3 Bulan/ 3 Bulan/ 3 Bulan/

Months Months Months Months Months Months

Rekonsiliasi liabilitas yang timbul Reconciliation of liabilities arising from

dari aktivitas pendanaan financing activities

Kas dan setara kas 32,458,388 (5,567,306) - - 2,124,158 29,015,240 Cash and cash equivalents Investasi likuid 598,299 - - - - 598,299 Liquid investments Efek-efek yang diterbitkan (7,503,112) (1,000,000) (1,117) - - (8,504,229) Marketable securities issued Pinjaman yang diterima (2,647,013) 2,645,839 - - (1,358,789) (1,359,963) Borrowings Pinjaman subordinasi (1,821,175) - (699) - - (1,821,874) Subordinated loans Hutang bersih 21,085,387 (3,921,467) (1,816) - 765,369 17,927,473 Net debt

Perubahan non kas/Non-cash changes

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1. INFORMASI UMUM 1. GENERAL INFORMATION

a. Pendirian dan informasi umum a. Establishment and general information

PT Bank CIMB Niaga Tbk (“Bank CIMB Niaga” atau

“Bank”) didirikan menurut hukum yang berlaku di Indonesia, berdasarkan Akta Pendirian Perusahaan No. 90 yang dibuat di hadapan Raden Meester Soewandi, Notaris di Jakarta tanggal 26 September 1955 dan diubah dengan akta dari notaris yang sama No. 9 tanggal 4 November 1955. Akta-akta pendirian ini disahkan oleh Menteri Kehakiman Republik Indonesia (sekarang Menteri Hukum dan Hak Asasi Manusia) dengan surat keputusan No. J.A.5/110/15 tanggal 1 Desember 1955 dan diumumkan dalam Berita Negara Republik Indonesia No. 71 tanggal 4 September 1956, Tambahan Berita Negara No. 729/1956.

PT Bank CIMB Niaga Tbk (“Bank CIMB Niaga" or the

“Bank”) was established in accordance with laws applicable in Indonesia by Notarial Deed No. 90 made by Raden Meester Soewandi, Notary in Jakarta dated 26 September 1955, which was amended by deed No. 9 of the same notary dated 4 November 1955.

These deeds were approved by the Minister of Justice of the Republic of Indonesia (currently Minister of Law and Human Rights) through decision letter No. J.A.5/110/15 dated 1 December 1955 and was published in Supplement No. 729/1956 to the State Gazette of the Republic of Indonesia No. 71 dated 4 September 1956.

Setelah pendiriannya, Anggaran Dasar Bank CIMB Niaga telah mengalami beberapa kali perubahan, diantaranya perubahan yang penting adalah:

After its establishment, Bank CIMB Niaga’s Articles of Association have been amended several times, where such significant amendments are as follows:

 Berdasarkan Akta No. 1 tanggal 2 Mei 2008, yang dibuat di hadapan Notaris Dr. Amrul Partomuan Pohan, S.H., LLM, Notaris di Jakarta, mengenai penyesuaian Anggaran Dasar PT Bank Niaga Tbk sesuai Undang-Undang No. 40 Tahun 2007 tentang Perseroan Terbatas, dimana perubahan tersebut disetujui oleh Menteri Hukum dan Hak Asasi Manusia Republik Indonesia No.

AHU-24544.AH.01.02 tahun 2008 tanggal 12 Mei 2008;

 Pursuant to Notarial Deed No. 1 dated 2 May 2008, made by Notary Dr. Amrul Partomuan Pohan, S.H., LLM, Notary in Jakarta, regarding the amendment of PT Bank Niaga Tbk’s Articles of Association in respect of Law No. 40 Year 2007 on Limited Liability Company, which amendment was approved by the Minister of Law and Human Rights of the Republic of Indonesia in its letter No. AHU-24544.AH.01.02 year 2008 dated 12 May 2008;

 Berdasarkan Akta No. 38 tanggal 28 Mei 2008, yang dibuat di hadapan Notaris Dr. Amrul Partomuan Pohan, S.H., LLM, mengenai perubahan nama dari sebelumnya PT Bank Niaga Tbk menjadi PT Bank CIMB Niaga Tbk, dimana perubahan nama tersebut disetujui oleh Menteri Hukum dan Hak Asasi Manusia Republik Indonesia melalui suratnya No. AHU- 32968.AH.01.02 Tahun 2008 tanggal 13 Juni 2008 dan surat keputusan Gubernur Bank Indonesia (”BI”) No.10/56/KEP.GBI/2008 tanggal 22 Juli 2008; dan

 Pursuant to Notarial Deed No. 38 dated 28 May 2008, made by Notary Dr. Amrul Partomuan Pohan, S.H., LLM, regarding the change of name from PT Bank Niaga Tbk into PT Bank CIMB Niaga Tbk, which amendment was approved by the Minister of Law and Human Rights of the Republic of Indonesia by its letter No. AHU- 32968.AH.01.02 Year 2008 dated 13 June 2008 and decision letter of the Governor of Bank Indonesia (“BI”) No.10/56/KEP.GBI/2008 dated 22 July 2008; and