PT BANK CIMB NIAGA Tbk

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PT BANK CIMB NIAGA Tbk

DAN ANAK PERUSAHAAN/AND SUBSIDIARIES

LAPORAN KEUANGAN KONSOLIDASIAN INTERIM/

INTERIM CONSOLIDATED FINANCIAL STATEMENTS

30 SEPTEMBER 2015 (TIDAK DIAUDIT) DAN 31 DESEMBER 2014 (DIAUDIT) SERTA UNTUK PERIODE TIGA BULAN DAN

SEMBILAN BULAN YANG BERAKHIR 30 SEPTEMBER 2015 DAN 2014 (TIDAK DIAUDIT)/

30 SEPTEMBER 2015 (UNAUDITED) AND 31 DECEMBER 2014 (AUDITED), AND FOR THE THREE-MONTH AND

NINE-MONTH PERIODS ENDED 30 SEPTEMBER 2015 AND 2014 (UNAUDITED)

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Halaman – 1/1– Page

Catatan atas laporan keuangan konsolidasian merupakan bagian yang tidak The accompanying notes form an integral part

Notes 2015 2014

ASET ASSETS

K a s 2e,2f,2i,4 3,433,732 4,499,584 Cash

Giro pada Bank Indonesia 2e,2f,2j,5 15,419,239 14,644,709 Current accounts with Bank Indonesia

Giro pada bank lain 2,965,169 3,446,400 Current accounts with other banks

Dikurangi: Cadangan kerugian Less: Allowance for

penurunan nilai - - impairment losses

2e,2f,2h,2j,6 2,965,169 3,446,400

Penempatan pada bank lain Placement with other banks

dan Bank Indonesia 5,761,367 3,036,007 and Bank Indonesia

penurunan nilai (10,454) (8,685) impairment losses

2e,2f,2h,2k,7 5,750,913 3,027,322

Efek-efek 12,332,422 10,865,179 Marketable securities

2e,2f,2h,2l,8 12,291,234 10,826,142

Obligasi Pemerintah 2e,2f,2l,9 14,335,598 11,484,266 Government Bonds

Efek-efek yang dibeli dengan janji Securities purchased under

dijual kembali 1,235,519 - resale agreements

2f,2h,2m,10 1,235,519 -

Tagihan derivatif 2e,2f,2h,2n,11 1,368,502 917,588 Derivative receivables

Kredit yang diberikan Loans

Pihak berelasi 2ag,48 71,669 192,311 Related parties

Pihak ketiga 2o,12 172,352,668 169,188,308 Third parties

172,424,337 169,380,619

penurunan nilai (6,505,564) (5,757,285) impairment losses

2e,2f,2h,2o,12 165,918,773 163,623,334

Piutang pembiayaan konsumen 6,464,108 7,002,830 Consumer financing receivables

2f,2h,2p,13 6,117,546 6,651,110

Piutang sewa pembiayaan 209,907 273,381 Financing lease receivables

2f,2h,2q,14 185,609 251,063

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Tagihan akseptasi 4,693,706 5,119,606 Acceptance receivables

2e,2f,2h,2r,15 4,693,706 5,119,606

Penyertaan 13,938 13,938 Investments

penurunan nilai (890) (890) impairment losses

2f,2h,2s,16 13,048 13,048

Aset tetap 5,530,567 5,163,840 Fixed assets

Dikurangi: Akumulasi penyusutan (2,944,063) (2,678,812) Less: Accumulated depreciation

2t,17 2,586,504 2,485,028

Aset yang diambil alih 814,259 720,804 Foreclosed assets

2h,2u,18 797,939 704,324

Uang muka pajak 2ad 1,145,951 991,276 Prepaid taxes

Pendapatan yang masih harus diterima 2e,2f,2h,19 1,498,459 1,376,061 Accrued income

Beban dibayar dimuka 2v,2ag,20,48 2,604,684 1,875,263 Prepaid expenses

Aset pajak tangguhan - bersih 2ad,30c 388,735 408,647 Deferred tax assets - net

Aset lain-lain 1,974,849 1,257,139 Other assets

2f,2h,2v,21 1,534,467 817,652

JUMLAH ASET 244,285,327 233,162,423 TOTAL ASSETS

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Notes 2015 2014

LIABILITAS DAN EKUITAS LIABILITIES AND EQUITY

LIABILITAS LIABILITIES

Liabilitas segera 2f,2w,22 1,045,387 997,969 Obligations due immediately

Simpanan dari nasabah Deposits from customers

Giro Demand deposits

Pihak berelasi 2e,2ag,23,48 99,362 99,840 Related parties

Pihak ketiga 2e,2f,2x,23 45,094,724 39,124,518 Third parties

45,194,086

39,224,358

Tabungan Saving deposits

43,308,822

39,166,392

Deposito berjangka Time deposits

97,212,806

96,332,484

Jumlah simpanan dari nasabah 185,715,714 174,723,234 Total deposits from customers

Simpanan dari bank Lain Deposits from other banks

Giro dan tabungan 2e,2f,2x,2ag,26,48 2,020,565 1,768,109 Demand and saving deposits

Deposito berjangka 2e,2f,2x,27 230,572 298,447 Time deposits

2,251,137

2,066,556

Liabilitas derivatif 2e,2f,2n,2ag,11 1,513,315 631,921 Derivative payables

Liabilitas akseptasi 2e,2f,2r,15 4,573,239 5,113,227 Acceptance payables

Efek-efek yang diterbitkan 2f,2y,28 5,808,441 5,803,195 Marketable securities issued

Pinjaman yang diterima 2e,2f,2ag,2z,29,48 7,899,815 8,814,852 Borrowings

Hutang pajak 2ad,30a 201,186 328,029 Taxes payable

Beban yang masih harus dibayar Accruals and other

dan liabilitas lain-lain 2f,31 2,946,483 2,378,059 liabilities

Liabilitas imbalan kerja 2ae,44 1,121,326 887,332 Employee benefit obligations

Pinjaman subordinasi 2f,2z,32 2,969,218 2,970,355 Subordinated loans

JUMLAH LIABILITAS 216,045,261 204,714,729 TOTAL LIABILITIES

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EKUITAS EQUITY

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 Issued and fully paid

penuh 71.853.936 lembar saham 71,853,936 class A ordinary shares

biasa kelas A dan 25.059.752.907 and 25,059,752,907 class B ordinary

lembar saham biasa kelas B pada tanggal shares as at 30 September 2015 and

30 September 2015 dan 31 Desember 2014 33 1,612,257 1,612,257 31 December 2014

Tambahan modal disetor 2c,33 7,033,450 7,033,450 Additional paid in capital

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

Cadangan kompensasi berbasis Share-based compensation

saham 45a 57,011 57,011 reserve

Kerugian aktuarial 2ae, 44 (21,120) - Actuarial loss

Kerugian yang belum direalisasi atas Unrealised losses on available-for-sale

efek-efek dan obligasi pemerintah marketable securities

dalam kelompok tersedia untuk dijual 2l (856,119) (404,300) and government bonds

Cadangan umum dan wajib 34 351,538 351,538 General and statutory reserve

Saldo laba 20,098,027 19,832,727 Retained earnings

28,239,321

28,446,960

Kepentingan nonpengendali 2c,49 745 734 Non-controlling interest

Jumlah ekuitas 28,240,066 28,447,694 Total equity

JUMLAH LIABILITAS TOTAL LIABILITIES

DAN EKUITAS 244,285,327 233,162,423 AND EQUITY

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Halaman –2/1– Page 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.

Catatan/ 3 Bulan/ 3 Bulan/ 9 Bulan/ 9 Bulan/

Notes Months Months Months Months

PENDAPATAN DAN BEBAN INCOME AND EXPENSES

OPERASIONAL FROM OPERATIONS

Pendapatan bunga dan syariah 2aa,35,48 5,696,304 5,288,822 16,714,946 15,273,155 Interest and sharia income

Beban bunga dan syariah 2aa,36,48 (2,718,359) (2,616,157) (8,190,539) (7,487,744) Interest and sharia expense

Penghasilan bunga bersih 2,977,945 2,672,665 8,524,407 7,785,411 Net interest income

Pendapatan operasional lainnya Other operating income

Provisi dan komisi lainnya 2ab,37 430,435 371,188 1,272,895 1,340,863 Other fees and commissions

Kerugian transaksi mata uang asing 2e (459,263) (153,527) (651,893) (46,475) Foreign exchange losses

Lain-lain 92,395 85,875 258,949 327,253 Others

Jumlah pendapatan operasional Total other operating

lainnya 63,567 303,536 879,951 1,621,641 income

Kerugian penurunan nilai atas aset keuangan Impairment losses on financial

dan nonkeuangan - bersih 2h,38 (1,187,675) (941,227) (3,958,537) (1,507,158) and non-financial assets - net

Keuntungan dari perubahan Gains from changes in

nilai wajar instrumen keuangan fair value of trading

yang diperdagangkan 2l,39 482,984 157,717 719,846 306,305 financial instruments

Keuntungan dari penjualan efek-efek 2l,40 5,598 32,464 121,131 93,454 Gains from sale of marketable securities

Beban operasional lainnya Other operating expenses

Beban tenaga kerja 2ac,41 (1,323,804) (829,885) (3,211,101) (2,521,510) Personnel expenses

Umum dan administrasi 2ac,42 (852,700) (877,409) (2,620,401) (2,602,242) General and administrative

Lain-lain (883) (16,301) (4,999) (51,393) Others

Jumlah beban operasional lainnya (2,177,387) (1,723,595) (5,836,501) (5,175,145) Total other operating expenses

LABA OPERASIONAL BERSIH 165,032 501,560 450,297 3,124,508 NET OPERATING INCOME

(BEBAN)/PENDAPATAN BUKAN (EXPENSES)/INCOME FROM NON

OPERASIONAL OPERATIONS

(Beban)/pendapatan bukan operasional Non operating (expenses)/income

- bersih 43 (20,374) (1,705) (72,999) 11,216 - net

LABA SEBELUM PAJAK INCOME BEFORE

PENGHASILAN 144,658 499,855 377,298 3,135,724 INCOME TAX

BEBAN PAJAK PENGHASILAN 2ad,30b (55,691) (156,474) (111,984) (838,143) INCOME TAX EXPENSE

LABA BERSIH 88,967 343,381 265,314 2,297,581 NET INCOME

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Halaman –2/2– Page 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.

Notes Months Months Months Months

Laba bersih 88,967 343,381 265,314 2,297,581 Net income

Penghasilan komprehensif lain: Other comprehensive income:

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

Remeasurement of post employment

Pengukuran kembali atas program imbalan pasti benefits obligation

Kerugian aktuarial 2ae, 44 - - (28,161) - Actuarial loss

Item that may be reclassified subsequently to

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

(Kerugian)/keuntungan atas perubahan nilai wajar (Losses)/gains from changes in fair

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

dalam kelompok tersedia untuk dijual 2l (506,129) 71,614 (602,425) 237,039 securities and government bonds

(506,129)

71,614 (630,586) 237,039

Pajak penghasilan terkait dengan Income tax relating to components

penghasilan komprehensif lain 30c 126,532 (17,904) 157,647 (58,503) of other comprehensive income

PENGHASILAN KOMPREHENSIF LAIN OTHER COMPREHENSIVE INCOME -

SETELAH PAJAK (379,597) 53,710 (472,939) 178,536 NET OF TAX

JUMLAH PENGHASILAN KOMPREHENSIF (290,630) 397,091 (207,625) 2,476,117 TOTAL COMPREHENSIVE INCOME Laba bersih yang dapat diatribusikan

kepada: Net income attributable to:

Pemilik entitas induk 88,967 343,437 265,300 2,296,050 Equity holders to parent

Kepentingan nonpengendali 49b - (56) 14 1,531 Non-controlling interest

88,967

343,381 265,314 2,297,581

Jumlah penghasilan komprehensif yang Total comprehensive income

dapat diatribusikan kepada: attributable to:

Pemilik entitas induk (290,630) 397,147 (207,639) 2,474,586 Equity holders to parent

Kepentingan nonpengendali 49b - (56) 14 1,531 Non-controlling interest

(290,630)

397,091 (207,625) 2,476,117

LABA PER SAHAM EARNINGS PER SHARE

(dalam nilai penuh Rupiah (expressed in Rupiah full

per saham) 2af,46 amount per share)

Dasar 3.54 13.67 10.56 91.36 Basic

Dilusian 3.54 13.67 10.56 91.36 Diluted

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Catatan atas laporan keuangan konsolidasian merupakan bagian yang tidak The accompanying notes form an integral part of these consolidated financial statements.

Catatan/

Notes

Modal saham/

Share capital

Tambahan modal disetor/

Additional paid in capital

Cadangan kompensasi

berbasis saham/

Share based compensation

reserve

Cadangan lindung nilai

arus kas/

Cash flow hedging reserve

efek dan obligasi pemerintah dalam kelompok tersedia untuk dijual/

Unrealised losses on available-for-sale marketable securities and government bonds

Cadangan umum dan wajib/

General and statutory

reserve

Saldo laba/

Retained earnings Jumlah/ Total

Kepentingan nonpengendali/

Non-controlling interest

Jumlah ekuitas/ Total

equity

Saldo 1 Januari 2014 1,612,257 7,033,450 57,011 3,028 (755,552) 351,538 17,490,296 25,792,028 94,659 25,886,687 Balance as at 1 January 2014 Cadangan lindung nilai arus kas 2n, 49a - - - (3,028) - - - (3,028) - (3,028) Cash flow hedging reserve

Pengaruh perubahan kepemilikan Effect of changes in

Anak Perusahaan - - - - - - - - (95,515) (95,515) ownership of subsidiaries

Jumlah laba komprehensif Total comprehensive income

periode berjalan 49 - - - - 178,536 - 2,296,050 2,474,586 1,531 2,476,117 for the current period Saldo 30 September 2014 1,612,257 7,033,450 57,011 - (577,016) 351,538 19,786,346 28,263,586 675 28,264,261 Balance as at 30 September 2014

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Catatan atas laporan keuangan konsolidasian merupakan bagian yang tidak The accompanying notes form an integral part of these consolidated financial statements.

Catatan/

Notes

Modal saham/

Share capital

Tambahan modal disetor/

Additional paid in capital

kepentingan non pengendali/Tra

nsaction with non- controlling

interest

Cadangan kompensasi

berbasis saham/

Share based compensation

reserve

Kerugian aktuarial/

Actuarial loss

pemerintah dalam kelompok tersedia untuk dijual/

Unrealised losses on available-for-sale marketable securities and government bonds

Cadangan umum dan wajib/

General and statutory

reserve

Saldo laba/

Retained earnings Jumlah/ Total

Kepentingan nonpengendali/ Non-

controlling interest

Jumlah ekuitas/ Total

equity

Saldo 1 Januari 2015 1,612,257 7,033,450 (35,723) 57,011 - (404,300) 351,538 19,832,727 28,446,960 734 28,447,694 Balance as at 1 January 2015

Pengaruh perubahan kepemilikan Effect of changes in

pada anak perusahaan 1d, 2d - - - - - - - - - (3) (3) ownership in subsidiaries

Jumlah laba komprehensif Total comprehensive income

periode berjalan 2ae, 44, 49 - - - - (21,120) (451,819) - 265,300 (207,639) 14 (207,625) for the current period Saldo 30 September 2015 1,612,257 7,033,450 (35,723) 57,011 (21,120) (856,119) 351,538 20,098,027 28,239,321 745 28,240,066 Balance as at 30 September 2015

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2015 2014 2015 2014

3 Bulan/ 3 Bulan/ 9 Bulan/ 9 Bulan/

Months Months Months Months

Arus kas dari kegiatan operasi Cash flow from operating activities

Pendapatan bunga, provisi, dan komisi yang diterima 5,990,840 5,529,726 17,832,200 16,211,206 Receipts of interest, fees, and commissions income Bunga, provisi, dan komisi yang dibayar (2,332,917) (2,123,144) (6,484,287) (6,045,612) Payments of interest, fees, and commissions Penghasilan operasional lainnya 92,395 85,875 258,949 327,253 Other operating income (Kerugian)/keuntungan transaksi mata uang asing - bersih (295,306) (240,023) (807,992) 236,528 Foreign exchange (losses)/gains - net

Beban operasional lainnya (4,128,251) (2,145,531) (8,751,582) (5,837,785) Other operating expense

Penghasilan/(beban) bukan operasional - bersih 31,502 (695) 88,454 (78,318) Non operating income/(expense) - net

Arus kas sebelum perubahan dalam Cash flow before changes in

aset dan liabilitas operasi (641,737) 1,106,208 2,135,742 4,813,272 operating assets and liabilities

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

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

Efek-efek dan Obligasi Pemerintah Trading marketable securities

untuk tujuan diperdagangkan 277,289 (798,451) (2,512,690) (5,752,999) and Government Bonds Efek-efek yang dibeli dengan janji dijual kembali (719,560) 76,601 (1,235,519) 69,070 Securities purchased under resale agreements

Kredit yang diberikan 1,890,561 (2,302,999) (3,008,905) (9,964,113) Loans

Tagihan akseptasi 43,456 153,409 425,900 (442,922) Acceptance receivables

Piutang pembiayaan konsumen 102,013 157,809 602,196 286,925 Consumer financing receivables Aset lain-lain dan beban dibayar dimuka (1,186,405) (84,479) (1,777,922) (886,202) Other assets and prepaid expenses

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

Simpanan nasabah (274,445) 957,542 10,992,480 3,050,139 Deposits from customers

Simpanan dari bank lain (694,915) 902,566 184,581 2,053,634 Deposits from other banks Efek-efek yang dijual dengan janji dibeli kembali (471,162) - - - Securities sold under repurchase agreement

Liabilitas akseptasi 2,615 (150,786) (539,988) 441,068 Acceptance payables

Hutang pajak (47,721) 11,779 (124,843) (95,801) Taxes payable

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

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

imbalan kerja (99,011) 555,608 203,121 1,349,379 obligations

Pajak penghasilan yang dibayar selama

periode berjalan (58,366) (46,786) (31,323) (513,630) Income tax paid during the period

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

kegiatan operasi (1,877,388) 538,021 5,312,830 (5,592,180) operating activities

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Arus kas dari kegiatan investasi Cash flow from investing activities

Hasil penjualan aset tetap 1,480 98 3,809 5,974 Proceeds from sale of fixed assets

Kenaikan efek-efek dan obligasi Increase in available-for-sale

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

yang dimiliki hingga jatuh tempo 658,639 41,809 (2,334,949) (1,305,581) securities and government bonds

Pembelian aset tetap (81,580) (63,973) (418,722) (447,898) Acquisition of fixed assets

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

kegiatan investasi 578,539 (22,066) (2,749,862) (1,747,505) investing activities

Arus kas dari kegiatan pendanaan Cash flow from financing activities

Kenaikan atas efek-efek yang diterbitkan 1,712 1,577 5,246 5,113 Increase in marketable securities issued

Pembayaran bunga obligasi (203,887) (206,352) (607,885) (615,702) Payment of bonds interest

Pembayaran bunga pinjaman yang diterima (144,555) (185,711) (450,138) (535,294) Payment of interest borrowings (Penurunan)/peningkatan atas pinjaman yang diterima 294,793 123,560 (915,037) (259,657) (Decrease)/increase in borrowings Kas bersih yang digunakan untuk

kegiatan pendanaan (51,937) (266,926) (1,967,814) (1,405,540) Net cash used in financing activities Pengaruh perubahan kurs mata uang

pada kas dan setara kas 593,110 198,325 1,313,808 (36,644) Effects on exchange rate differences

Kenaikan/(penurunan) bersih kas Net increase/(decrease) in cash

dan setara kas (757,676) 447,354 1,908,962 (8,781,869) and cash equivalent Cash and cash equivalent Kas dan setara kas pada awal periode 30,173,952 24,952,385 27,507,314 34,181,608 at beginning of the period Kas dan setara kas pada akhir periode 29,416,276 25,399,739 29,416,276 25,399,739 Cash and cash equivalent at end of the period

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

Kas 3,433,732 3,693,176 3,433,732 3,693,176 Cash

Giro pada Bank Indonesia 15,419,239 13,824,837 15,419,239 13,824,837 Current accounts with Bank Indonesia

Giro pada bank lain 2,965,169 3,010,096 2,965,169 3,010,096 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 5,761,367 3,626,915 5,761,367 3,626,915 since acquisition date

Sertifikat Bank Indonesia dan Sertifikat Bank Indonesia Certificates and

Bank Dalam Negeri - jangka waktu Local Bank Certificates - mature

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

sejak tanggal perolehan 1,836,769 1,244,715 1,836,769 1,244,715 acquisition date

Jumlah kas dan setara kas 29,416,276 25,399,739 29,416,276 25,399,739 Total cash and cash equivalents

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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 from time to time, where such significant amendments are as follows:

 Berdasarkan Akta No. 1 tanggal 2 Mei 2008, yang dibuat di hadapan 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 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 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

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a. Pendirian dan informasi umum (lanjutan) a. Establishment and general information (continued)

 Berdasarkan Akta No. 22 tanggal 21 April 2014, yang dibuat di hadapan Notaris Himawan Sutanto, S.H., mengenai perubahan Pasal 3 ayat 2, Pasal 14 ayat 2, Pasal 14 ayat 4, Pasal 17 ayat 3, dan Pasal 17 ayat 5, dimana perubahan tersebut disetujui oleh Menteri Hukum dan Hak Asasi Manusia Republik Indonesia No. AHU- 02085.40.20.2014 tahun 2014 tanggal 29 April 2014.

 Pursuant to Notarial Deed No. 22 dated 21 April 2014, made by Notary Himawan Sutanto, S.H., regarding the changes of Article 3 paragraph 2, Article 14 paragraph 2, Article 14 paragraph 4, Article 17 paragraph 3, and Article 17 paragraph 5, which amendment was approved by the Minister of Law and Human Rights of the Republic of Indonesia in its letter No. AHU- 02085.40.20.2014 year 2014 dated 29 April 2014.

Berdasarkan pasal 3 Anggaran Dasar Bank CIMB Niaga, ruang lingkup kegiatan Bank CIMB Niaga adalah melakukan usaha di bidang perbankan sesuai dengan undang-undang dan peraturan yang berlaku, dan melakukan kegiatan perbankan lainnya berdasarkan prinsip Syariah. Bank CIMB Niaga mulai melakukan kegiatan perbankan berdasarkan prinsip Syariah pada tanggal 27 September 2004.

According to Article 3 of its Articles of Association, Bank CIMB Niaga’s scope of activities is to conduct general banking services in accordance with the prevailing laws and regulations, and to engage in other banking activities based on Sharia principles.

Bank CIMB Niaga had started its banking activities based on the Sharia principles on 27 September 2004.

Bank CIMB Niaga memperoleh izin usaha sebagai bank umum, bank devisa, dan bank yang melakukan kegiatan berdasarkan prinsip Syariah masing-masing berdasarkan surat keputusan Menteri Keuangan Republik Indonesia No. 249544/U.M.II tanggal 11 November 1955, surat keputusan Direksi Bank

Indonesia (BI) No. 7/116/Kep/Dir/UD tanggal 22 November 1974, dan surat keputusan Gubernur BI

No. 6/71/KEP.GBI/2004 tanggal 16 September 2004.

Bank CIMB Niaga had obtained the license to operate as a commercial bank, a foreign exchange bank, and a bank engaged in activities based on Sharia principles based on the decision letter of the Minister of Finance of the Republic of Indonesia No. 249544/U.M.II dated 11 November 1955, the decision letter of the Directors of BI No.

7/116/Kep/Dir/UD dated 22 November 1974, and the decision letter of the Governor of Bank Indonesia (BI) No. 6/71/KEP.GBI/2004 dated 16 September 2004.

Sejak berdirinya, Bank CIMB Niaga telah mengalami 4 (empat) kali penggabungan usaha, yaitu:

 Tanggal 22 Oktober 1973 dengan PT Bank Agung;

 Tanggal 30 November 1978 dengan PT Bank Tabungan Bandung;

 Tanggal 17 Oktober 1983 dengan PT Bank Amerta; dan

 Tanggal 1 November 2008 dengan PT Bank Lippo Tbk (lihat Catatan 1b).

Since establishment, Bank CIMB Niaga had 4 (four) mergers, on:

 22 October 1973 with PT Bank Agung;

 30 November 1978 with PT Bank Tabungan Bandung;

 17 October 1983 with PT Bank Amerta; and

 1 November 2008 with PT Bank Lippo Tbk (refer to Note 1b).

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

a. Pendirian dan informasi umum (lanjutan) a. Establishment and general information (continued) Kantor Pusat Bank CIMB Niaga berlokasi di Jl. Jend.

Sudirman Kav. 58, Jakarta. Pada tanggal 30 September 2015, kantor cabang, kantor cabang pembantu, kantor pembayaran, unit cabang Syariah domestik, dan kantor layanan Syariah Bank CIMB Niaga tersebar di 28 (dua puluh delapan) propinsi di seluruh Indonesia (31 Desember 2014: 28 propinsi) Pada tanggal 30 September 2015 dan 31 Desember 2014, jumlah jaringan cabang-cabang dan kantor- kantor pembantu Bank CIMB Niaga adalah (tidak diaudit):

Bank CIMB Niaga’s head office is located at Jl. Jend.

Sudirman Kav. 58, Jakarta. As at 30 September 2015, Bank CIMB Niaga’s domestic branches, supporting branches, payment points, Sharia unit branches, and Sharia service offices are located in 28 (twenty eight) provinces throughout Indonesia (31 December 2014:

28 provinces). As at 30 September 2015 and 31 December 2014, the number of Bank CIMB Niaga’s branches and representative offices are as follows (unaudited):

b. Penggabungan usaha dengan PT Bank Lippo Tbk b. Merger with PT Bank Lippo Tbk Pada tanggal 28 Oktober 2008 (sebelum tanggal efektif

penggabungan), CIMB Group Sdn. Bhd. dan Santubong Ventures Sdn. Bhd. melakukan pembelian atas saham Santubong Investment BV. pada PT Bank Lippo Tbk (“Bank Lippo”), masing-masing sebanyak 51,00% dan 36,03%. Hal ini sesuai dengan Rancangan Penggabungan Usaha Bank CIMB Niaga dan Bank Lippo.

On 28 October 2008 (before the effective date of merger), CIMB Group Sdn. Bhd. and Santubong Ventures Sdn. Bhd. acquired shares owned by Santubong Investment BV. of PT Bank Lippo Tbk (“Bank Lippo”) being 51.00% and 36.03%, respectively. This is in accordance with the Merger Plan of Bank CIMB Niaga and Bank Lippo.

Sehubungan dengan diperolehnya persetujuan dari BI atas rencana penggabungan Bank Lippo ke dalam Bank CIMB Niaga melalui Surat Keputusan Gubernur BI No. 10/66/KEP.GBI/2008 tanggal 15 Oktober 2008 tentang “Pemberian Izin Penggabungan Usaha PT Bank Lippo Tbk ke dalam PT Bank CIMB Niaga Tbk”, serta dengan diterimanya Surat Menteri Hukum dan Hak Asasi Manusia Republik Indonesia No. AHU- AH.01.10-22669 tanggal 22 Oktober 2008 perihal

“Penerimaan Pemberitahuan Penggabungan Perseroan PT Bank CIMB Niaga Tbk”, penggabungan usaha menjadi efektif pada tanggal 1 November 2008.

Pernyataan penggabungan usaha ini memperoleh surat pemberitahuan efektif dari Bapepam-LK melalui surat No. S-4217/BL/2008 tanggal 30 Juni 2008.

Upon receiving approval from BI on the merger plan of Bank Lippo into Bank CIMB Niaga through Decision

Letter of the Governor of BI

No. 10/66/KEP.GBI/2008 dated 15 October 2008 regarding “Approval of Merger of PT Bank Lippo Tbk into PT Bank CIMB Niaga Tbk”, and Letter of Minister of Law and Human Rights of Republic of Indonesia No. AHU-AH.01.10-22669 dated 22 October 2008 regarding “Acceptance of Notification on Merger of PT Bank CIMB Niaga Tbk”, the merger was effective on 1 November 2008. Statement of this merger has received effective notice from Bapepam-LK through its letter No. S-4217/BL/2008 dated 30 June 2008.

30 September/ 31 Desember/

September 2015 December 2014

Kantor cabang domestik 156 157 Domestic branches

Kantor cabang pembantu domestik 669 718 Domestic support branches

Kantor pembayaran domestik 34 39 Domestic payments points

Unit cabang Syariah domestik 30 30 Domestic Sharia unit branches

Kantor layanan Syariah 649 526 Sharia service offices

Automated Teller Machine (ATM) Automated Teller Machine (ATM)

termasuk ATM Syariah 3,366 3,272 including Sharia ATM

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Halaman – 5/4– Page b. Penggabungan usaha dengan PT Bank Lippo Tbk

(lanjutan) b. Merger with PT Bank Lippo Tbk (continued)

Tanggal efektif penggabungan usaha dengan Bank Lippo ditetapkan pada tanggal 1 November 2008 berdasarkan Akta No. 9 tanggal 16 Oktober 2008 yang dibuat di hadapan Notaris Dr. Amrul Partomuan Pohan, S.H., LLM, Notaris di Jakarta. Akta ini merupakan perubahan dari akta sebelumnya yaitu Akta No. 37 tanggal 18 Juli 2008 yang dibuat di hadapan Notaris Dr. Amrul Partomuan Pohan, S.H., LLM, Notaris di Jakarta. Selain menetapkan tanggal efektif penggabungan usaha, akta ini juga menetapkan perubahan komposisi Dewan Komisaris dan Direksi.

The effective date of the merger with Bank Lippo was 1 November 2008 based on Notarial Deed No. 9 dated 16 October 2008 made by Notary Dr. Amrul Partomuan Pohan, S.H., LLM, Notary in Jakarta. This deed represented the amendment from Notarial Deed No. 37 dated 18 July 2008 made by Notary Dr. Amrul Partomuan Pohan, S.H., LLM, Notary in Jakarta. This notarial deed also decided the change in the composition of the Boards of Commissioners and Boards of Directors.

Sejak tanggal penggabungan usaha, seluruh hubungan hukum antara nasabah dan relasi bisnis dengan eks Bank Lippo telah beralih dan diteruskan oleh Bank CIMB Niaga.

Since the merger date, all legal relationships between ex Bank Lippo customers and business relationships with ex Bank Lippo have been transferred and are resumed by Bank CIMB Niaga.

Susunan pemegang saham sebelum dan pada tanggal

penggabungan usaha adalah: The shareholders composition before and at the merger date was effective is as follows:

Pemegang saham Bank CIMB Niaga sebelum penggabungan usaha/

Bank CIMB Niaga’s shareholders before the

merger

Pemegang saham Bank Lippo sebelum penggabungan usaha/

Bank Lippo’s shareholders before merger

Pemegang saham Bank CIMB Niaga pada tanggal penggabungan

usaha/Bank CIMB Niaga’s shareholders at

the merger date

Jumlah saham/

Number of

shares %

Jumlah saham sebelum konversi/

Number of shares before

conversion %

Jumlah saham setelah konversi/

Number of shares after

conversion

Jumlah saham/

Number of

shares %

Saham biasa kelas A Class A ordinary share

- Masyarakat (kepemilikan

dibawah 5%) 71,853,936 0.56 85,698,000 2.19 - 71,853,936 0.30 Public (ownership interest -

below 5%)

Saham biasa kelas B Class B ordinary share

- CIMB Group Sdn Bhd 7,779,138,350 60.47 1,997,023,850 51.00 5,636,087,273 13,415,225,623 56.10 CIMB Group Sdn Bhd - - Santubong Ventures

Sdn Bhd - - 1,410,943,106 36.03 3,982,024,793 3,982,024,793 16.65 Santubong Ventures -

Sdn Bhd

- Greatville Pte Ltd - - 218,263,688 5.57 615,993,242 615,993,242 2.58 Greatville Pte Ltd -

- Lainnya (kepemilikan

dibawah 5%) 5,012,710,185 38.97 137,426,109 3.51 629,710,532 5,642,420,717 23.59 Others (ownership interest - below 5%)

Saham biasa kelas C Class C ordinary share

- Menteri Keuangan Republik

Indonesia - - 66,378,286 1.70 187,335,676 187,335,676 0.78 Minister of Finance of the -

Republic of Indonesia

12,863,702,471 100.00 3,915,733,039 100.00 11,051,151,516 23,914,853,987 100.00