As of June 30, 2011 & 2010

CONSOLIDATED INCOME STATEMENTS

For period January 01 to June 30, 2011 & 2010
(In millions of Rupiah, except earning per share)

CONSOLIDATED BALANCE SHEETS

As of June 30, 2011 & 2010
(In millions Rupiah)
BANK

No.

1.
2.
3.
4.
5.

6.
7.
8.
9.

10.
11.
12.

13.
14.
15.
16.
17.
18.

19.
20.
21.
22.
23.

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.

ACCOUNTS

Unaudited
Jun 30, 2011

ASSETS
Cash
Placements to Bank Indonesia
Interbank placement
Spot and derivatives claims
Securities
a. Measured at fair value through profit and loss
b. Available for sale
c. Hold to maturity
d. Loan and receivables
Securities sold under repurchase agreement (repo)
Claims on securities bought under reverse repo
Acceptance claims
Loans
a. Measured at fair value through profit and loss
b. Available for sale
c. Hold to maturity
d. Loan and receivables
Sharia Financing
Equity investment
Impairment on financial assets -/a. Securities
b. Loans
c. Others
Intangible Asset
Accumulated amortization on intangible asset -/Fixed assets and equipment
Accumulated depreciation on fixed assets and equipment -/Abandoned property
Foreclosed accounts
Suspense accounts
Interbranch assets
a. Conducting operational activities in Indonesia
b. Conducting operational activities outside Indonesia
Impairment on other assets -/Non earning assets provision -/Leasing
Deferred tax assets
Other assets
TOTAL ASSETS
LIABILITIES AND CAPITAL
Current account
Savings account
Time deposits
Revenue sharing investment
Liabilities to Bank Indonesia
Interbank liabilities
Spot and derivatives liabilities
Liabilities on securities sold under repurchase agreement
Acceptance liabilities
Issued securities
Loans received
Margin deposit
Interbranch liabilities
a. Conducting operational activities in Indonesia
b. Conducting operational activities outside Indonesia
Deferred tax liabilities
Provision on commitment and contingencies
Others Liabilities
Profit sharing investment
Minority interest
Loaned capital
Paid in capital
a. Capital
b. Unpaid capital -/c. Treasury stock -/Additional paid in capital
a. Agio
b. Disagio -/c. Donated capital
d. Translation adjusment
e. Other comprehensive gain (loss)
f. Others
g. Fund for paid up capital
Reserves of fixed asset revaluation
Reserves of quaty reorganization
Reserves of restructuring under common control
Reserves
a. General reserves
b. Appropriated reserves
Gain/loss
a. Previous years *)
b. Current Year
TOTAL LIABILITIES AND CAPITAL

CONSOLIDATED

Unaudited
Jun 30, 2010

Unaudited
Jun 30, 2011

BANK

Unaudited
Jun 30, 2010

7,926,749
78,330,903
14,433,964
41,865
57,236,201
2,658,739
26,690,618
27,377,013
509,831
7,679,990
4,319,326
159,761,900
159,761,900
2,346,027
(4,004,964)
(324,262)
(3,420,247)
(260,455)
26,707
(9,699)
7,174,670
(3,490,308)
17,772
46,817
21,647
2,818
2,818
(72,229)
865,555
3,984,948
336,640,659

6,856,112
13,752,942
21,526,718
35,367
112,944,812
43,288,185
34,054,411
35,602,216
1,000,104
3,479,380
131,550,824
131,550,824
1,858,658
(4,962,583)
(724,460)
(3,539,722)
(698,401)
6,088,377
(3,105,324)
20,954
15,523
17,372
3,667
3,667
(42,334)
836,540
3,677,548
295,554,657

7,938,616
78,549,448
14,522,754
41,865
57,718,475
2,652,078
26,784,287
27,772,279
509,831
7,679,990
4,319,326
159,706,710
159,706,710
491,724
171,390
(4,073,699)
(349,593)
(3,420,678)
(303,428)
164,100
(53,207)
7,273,277
(3,537,347)
17,772
46,817
21,647
2,818
2,818
(72,229)
3,749,749
882,001
4,224,904
339,786,901

6,865,283
13,967,945
21,642,888
35,367
113,433,212
43,288,185
34,135,058
36,009,969
1,000,104
3,479,380
131,582,723
131,582,723
266,874
50,675
(5,012,951)
(725,797)
(3,546,108)
(741,046)
137,392
(29,768)
6,174,663
(3,144,689)
20,954
15,523
17,372
3,667
3,667
(42,334)
2,644,942
847,106
3,793,066
297,749,394

69,532,242
151,446,443
64,710,628
9,187
2,591,620
26,968
2,821,890
118,777
124,162
323
323
847,741
7,288,028
1,522,828
5,500,000
(3,959,062)
(18,110)
3,984,756
3,105,458
182,317
689,470
7,511
544,901
544,901
31,070,165
26,277,552
4,792,613
336,640,659

59,126,914
127,870,165
68,033,089
13,525
2,746,959
35,016
2,028,112
309,911
100,014
3,474
3,474
73,577
5,014,198
1,522,828
5,500,000
(3,959,062)
(18,110)
3,814,460
3,105,458
200,491
504,835
3,676
460,108
460,108
24,402,307
20,421,608
3,980,699
295,554,657

69,528,808
151,446,443
64,710,628
632,932
9,187
2,618,916
26,968
2,821,890
1,872,743
120,014
124,423
323
323
847,950
7,903,026
1,522,828
5,500,000
(3,959,062)
(18,110)
3,984,756
3,105,458
182,317
689,470
7,511
544,901
544,901
31,070,165
26,277,552
4,792,613
339,786,901

59,126,383
127,870,165
68,033,089
499,390
13,525
2,746,559
35,016
2,028,112
1,144,534
482,276
100,297
3,474
3,474
73,579
5,393,292
1,522,828
5,500,000
(3,959,062)
(18,110)
3,814,460
3,105,458
200,491
504,835
3,676
460,108
460,108
24,402,307
20,421,608
3,980,699
297,749,394

No.

Bank
I. COMPONENTS
A. CORE CAPITAL
30,725,060
1. Paid-in Capital
1,522,828
2. Disclosed Reserves
30,306,052
30,306,052
2.1. Addition
3,105,458
a. Agio
b. Donated capital
c. General Reserves
544,901
d. Special Reserves
24,033,914
e. Previous year's profit (100%)
2,439,462
f. Current year's profit (50%)
g. Excess differences arising from translation
of financial statement
182,317
h. Fund for paid-in capital
i. Warranty issued (50%)
j. Stock option issued under Management Stock Option
Plan (MSOP) (50%)
2.2. Subtraction
a. Disagio
b. Previous year's losses (100%)
c. Current year's loss (100%)
d. Shortage difference arising from translation
of financial statement
e. Other comprehensive income: Losses arising from
impairment on fair value of available-for-sale investment
f. Difference between allowance for possible losses and
allowance for impairment losses on earning assets
g. Difference on the total of fair value adjustment
from financial instruments in trading book
3. Innovative Capital
3.1. Subordinated securities (non cummulative perpetual)
3.2. Subordinated loans (non cummulative perpetual)
3.3. Other innovative capital instrument
4. Deduction Factor of Tier 1 Capital
(1,103,820)
4.1. Goodwill
4.2. Other intangible assets
4.3. Investments in shares of stock (50%)
(1,103,820)
4.4. Shortage of capital on insurance subsidiary company (50%)
5. Minority interest
B. SUPPLEMENTARY CAPITAL
1,853,660
1. Upper Tier 2
2,957,480
1.1. Preference stocks (cummulative perpetual)
1.2. Subordinated securities (cummulative perpetual)
1.3. Subordinated loans (cummulative perpetual)
1.4. Mandatory convertible bond
1.5. Innovative capital not calculated as core capital
1.6. Other upper level supplementary capital instrument (upper tier 2)
1.7. Revalued Fixed Assets
476,958
1.8. General allowance for losses on earning assets
(max. 1.25% from risk-weighted assets)
2,480,522
1.9. Other comprehensive income: Gain arising from increase
in fair value on available-for-sale investment (45%)
2. Lower Tier 2 maximum 50% of Tier 1 Capital
2.1. Redeemable preferences shares
2.2. Subordinate loan or bond can be calculated
2.3. Other lower level supplementary capital instrument (lower tier 2)
3. Deduction Factor for Tier 2 Capital
(1,103,820)
3.1. Investments in shares of stock (50%)
(1,103,820)
3.2. Shortage of capital on insurance subsidiary company (50%)
C. Deduction Factor for Tier 1 Capital and Tier 2 Capital
Securitisation Exposure
D. Additional Supplementary Capital (Tier 3)
E. ADDITIONAL SUPPLEMENTARY CAPITAL WHICH IS ALLOCATED
TO ANTICIPATE MARKET RISK
32,578,720
II. TOTAL CORE CAPITAL AND SUPPLEMENTARY CAPITAL (A+B-C)
III. TOTAL CORE CAPITAL, SUPPLEMENTARY CAPITAL, AND
ADDITIONAL SUPPLEMENTARY CAPITAL ALLOCATED TO
ANTICIPATED MARKET RISK (A+B-C+E)
32,578,720
198,315,205
IV. RISK-WEIGHTED ASSETS (ATMR) CONSIDERING CREDIT RISK
V. RISK-WEIGHTED ASSETS (ATMR) CONSIDERING OPERATIONAL RISK 34,878,052
824,380
VI. RISK-WEIGHTED ASSETS (ATMR) CONSIDERING MARKET RISK
VII. CAPITAL ADEQUACY RATIO CONSIDERING CREDIT RISK
AND OPERATIONAL RISK (II:(IV+V))
13.97%
VIII. CAPITAL ADEQUACY RATIO CONSIDERING CREDIT RISK
AND MARKET RISK (II:(IV+VI))
16.36%
IX. CAPITAL ADEQUACY RATIO CONSIDERING CREDIT RISK,
OPERATIONAL RISK AND MARKET RISK (III : (IV+V+VI))
13.92%

I.
1.

4.

31,717,661
1,522,828
30,288,718
30,288,718
3,105,458
544,901
24,016,677
2,439,365

24,633,822
1,522,828
24,027,486
24,027,486
3,105,458
460,108
18,185,275
2,076,154

25,431,857
1,522,828
24,016,653
24,016,653
3,105,458
460,108
18,174,175
2,076,421

182,317
-

200,491
-

200,491
-

(93,885)
(93,885)
-

(916,492)

(107,624)
(107,624)
-

2.

5.

(916,492)

1,207,475
2,123,967
476,958

2,153,617
2,153,617
476,958

2,537,941

1,647,009

1,676,659

(916,492)
(916,492)

5.

6.
7.

8.
9.
10.

11.
II.
1.

3.

4.

6.
7.

8.
9.
10.

11.
III.
1.

34,732,560

25,841,297

27,585,474

34,732,560
202,923,174
35,553,046
1,143,795

25,841,297
164,941,362
9,991,901
681,753

27,585,474
168,117,372
10,139,067
900,300

14.56%

14.77%

15.48%

17.02%

15.60%

16.32%

14.49%

14.71%

15.40%

11,765,870
11,307,057
458,813
3,725,318
3,685,753
39,565
8,040,552

9,463,903
9,028,552
435,351
3,842,470
3,741,967
100,503
5,621,433

11,841,900
11,373,003
468,897
3,810,972
3,771,418
39,554
8,030,928

9,499,133
9,052,404
446,729
3,895,997
3,795,496
100,501
5,603,136

3,736,811
47,820
22,711
25,109
148,061
148,061
726,204

5,223,388
260,618
248,851
11,767
1,140,729
1,140,729
736,375

4,031,060
47,820
22,711
25,109
148,061
148,061
726,204

5,460,820
260,618
248,851
11,767
1,140,812
1,140,812
736,375

2,389,122

2,122,638

2,146,580

1,905,159

312,117
113,487
5,866,671
23,115
1,276
21,839
11,986
10,257
1,729
442,281
12,293
2,297
9,996
130,404
902

861,129
101,899
5,923,783
22,839
22,839
3,080
3,080
565,410
570,288
173,731
396,557
11,303
1,942

312,891
649,504
6,080,952
23,115
1,276
21,839
12,033
10,304
1,729
442,281
27,790
15,775
1,193
10,822
130,573
902

860,681
557,175
6,091,820
22,839
22,839
3,218
3,218
565,410
572,855
173,731
11
399,113
11,288
1,942

2,422
34,083
2,752,554
219,613
2,237,018
(2,129,860)
5,910,692

442
467
732
2,488,600
266,789
1,991,891
(700,395)
4,921,038

6,335
34,083
2,845,985
225,351
2,332,504
(2,049,892)
5,981,036

500
467
732
2,562,443
271,837
2,078,289
(631,000)
4,972,136

3,301
(59,029)
98,916
43,188
5,953,880
1,161,267
1,074,957
(86,310)
4,792,613
4,792,613
(1,705,567)

3,000
18,339
32,291
53,630
4,974,668
993,969
822,362
(171,607)
3,980,699
3,980,699
(1,705,567)

3,253
(56,339)
132,469
79,383
6,060,419
1,267,806
1,181,691
(86,115)
4,792,613
4,792,613
(1,705,567)
197

4,860
21,435
68,388
94,683
5,066,819
1,086,120
913,978
(172,142)
3,980,699
3,980,699
(1,705,567)
163

2.
3.
4.
5.
6.
7.
8.

RELATED PARTIES
Interbank Placement
a. Rupiah currency
b. Foreign currencies
Spot and derivative claims
a. Rupiah currency
b. Foreign currencies
Securities
a. Rupiah currency
b. Foreign currencies
Securities sold under repurchase agreement (repo)
a. Rupiah currency
b. Foreign currencies
Claims on securities bought under reverse repo
a. Rupiah currency
b. Foreign currencies
Acceptance claims
Loans
a. Micro, small and medium enterprises (UMKM)
i. Rupiah currency
ii. Foreign currencies
b. Non micro, small and medium enterprises
i. Rupiah currency
ii. Foreign currencies
c. Restructured loans
i. Rupiah currency
ii. Foreign currencies
d. Loan on property
Equity investment
Temporary Equity investment
Commitments and Contingencies
a. Rupiah currency
b. Foreign currencies
Foreclosed assets
OTHER PARTIES
Interbank Placements
a. Rupiah currency
b. Foreign currencies
Spot and derivative claims
a. Rupiah currency
b. Foreign currencies
Securities
a. Rupiah currency
b. Foreign currencies
Securities sold under repurchase agreements (repo)
a. Rupiah currency
b. Foreign currencies
Claims on securities bought under reverse repo
a. Rupiah currency
b. Foreign currencies
Acceptance claims
Loans
a. Micro, small and medium enterprises (UMKM)
i. Rupiah currency
ii. Foreign currencies
b. Non micro, small and medium enterprises
i. Rupiah currency
ii. Foreign currencies
c. Restructured loans
i. Rupiah currency
ii. Foreign currencies
d. Loan on property
Equity investment
Temporary Equity investment
Commitments and Contingencies
a. Rupiah currency
b. Foreign currencies
Foreclosed assets
OTHER INFORMATION
Value of bank's assets pledge as collateral:
a. To Bank Indonesia
b. To Other Parties
Total Allowance for impairment of financial asset to earning assets
Total Allowance for productive assets required to be provided
Percentage small to medium scale loan (UMKM) to total loans
Percentage small scale loan to total loans
Percentage total small to medium scale loan debtors to total loans debtors
Percentage total small scale loan debtors to total loans debtors
Others
a. Chanelling of loans
b. Mudharabah Muqayyadah Funding
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

II.

III.

IV.

ACCOUNTS
COMMITTED CLAIMS
1. Unused Borrowings
a. Rupiah currency
b. Foreign currencies
2. Outstanding spot and derivatives (purchased)
3. Others
COMMITTED LIABILITIES
1. Undisbursed loan facilities to debtors
a. BUMN
i. Committed
- Rupiah currency
- Foreign currencies
ii. Uncommitted
- Rupiah currency
- Foreign currencies
b. Others
i. Committed
ii. Uncommitted
2. Undisbursed loan facilities to other banks
a. Committed
i. Rupiah currency
ii. Foreign currencies
b. Uncommitted
i. Rupiah currency
ii. Foreign currencies
3. Outstanding irrevocable letters of credit
a. Foreign L/C
b. Local L/C
4. Outstanding spot and derivatives (sold)
5. Others
CONTINGENT CLAIMS
1. Received guarantees
a. Rupiah currency
b. Foreign currencies
2. Accrued interest
a. Loan interest
b. Other interest
3. Others
CONTINGENT LIABILITIES
1. Issued guarantees
a. Rupiah currency
b. Foreign currencies
2. Others

SM

The above financial information for the six months period ended June 30, 2011 and 2010 is derived from the consolidated financial statements that have been
unaudited. As the above financial information is derived from the consolidated financial statements, it is not therefore a complete presentation of the
consolidated financial statements.

Unaudited
Jun 30, 2011

Unaudited
Jun 30, 2010

5,469,263
5,469,263
87,957,318
75,271,997
4,172,859
3,557,604
3,557,595
9
615,255
615,255
71,099,138
69,286,908
1,812,230
790,496
790,496
576,108
214,388
5,417,573
4,257,478
1,160,095
6,477,252
208,977
71,712
11,690
60,022
137,265
119,990
17,275
7,933,299
7,933,299
5,812,792
2,120,507
-

3,368,750
3,368,750
68,414,833
59,803,938
1,897,763
1,897,763
1,481,315
416,448
57,906,175
57,906,175
565,679
565,679
565,679
2,969,450
2,212,661
756,789
5,075,766
108,035
6,334
6,265
69
101,701
100,118
1,583
5,306,684
5,306,684
4,551,418
755,266
-

5,469,263
5,469,263
87,948,740
75,263,419
4,172,859
3,557,604
3,557,595
9
615,255
615,255
71,090,560
69,278,330
1,812,230
790,496
790,496
576,108
214,388
5,417,573
4,257,478
1,160,095
6,477,252
209,122
71,712
11,690
60,022
137,410
120,135
17,275
7,936,678
7,936,678
5,816,171
2,120,507
-

3,468,750
100,000
100,000
3,368,750
68,263,833
59,652,938
1,897,763
1,897,763
1,481,315
416,448
57,755,175
57,755,175
565,679
565,679
565,679
2,969,450
2,212,661
756,789
5,075,766
106,255
6,334
6,265
69
99,921
98,338
1,583
5,306,931
5,306,931
4,551,665
755,266
-

BANK
No.

A.
1.
2.
3.

4.
5.
6.
B.
1.
2.

3.
4.
5.
C.

TRANSACTION

Related to Exchange Rate

Spot
Forward
Option
a. Put
b. Call
Future
Swap
Others
Related to Interest Rate
Forward
Option
a. Put
b. Call
Future
Swap
Others
Others
TOTAL

Objectives

Notional
Amount

Trading

11,946,516
2,330,669
2,801,758
6,814,089
-

11,946,516
2,330,669
2,801,758
6,814,089
-

Derivative Receivables and Payables

Hedging

Receivables
-

Payables

41,865
357
8,260
33,248
41,865

26,968
6,303
8,193
12,472
26,968

June 30, 2010 (Unaudited)

Total

SM

Total

101
-

101
-

97
-

97
-

6,661
-

6,661
-

360
360
827,684
827,684
119,958
2,207,640
-

2,934
2,934
2,931
-

934
934
934
-

16
16
1,000
-

360
360
831,568
831,568
123,823
2,208,640
-

539
539
657,347
657,347
108,643
108,643
1,832,983
-

2,378
2,378
2,378
2,378
-

1,000
-

539
539
659,725
659,725
111,021
111,021
1,833,983
-

505,086
51,575
-

505,086
51,575
-

2,534
26,778
-

2,534
26,778
-

3,495,208
10,938,655

3,495,208
10,938,655

2,555,296
18,971,325

2,555,296
18,971,325

41,865
-

41,865
-

35,367
-

35,367
-

53,859,740
3,196,771

100,000
73,029

53,959,740
3,269,800

109,454,885
3,315,112

100,000
74,815

109,554,885
3,389,927

7,679,990
4,240,004

79,322

7,679,990
4,319,326

1,000,104
3,477,913

1,467

1,000,104
3,479,380

25,727,667
25,418,344
309,323
129,809,463
116,073,581
13,735,882
320,755
302,011
18,744
21,929,568
136,402
-

328,436
327,824
612
2,024,519
2,022,118
2,401
10,609
10,609
483,132
-

20,966
20,966
141,310
141,310
14,183
14,183
43,604
375
-

31,976
31,976
170,260
102,115
68,145
74,306
6,161
68,145
29,547
-

161,047
161,047
514,328
508,508
5,820
34,329
34,329
121,058
610
-

26,270,092
25,960,157
309,935
132,659,880
118,847,632
13,812,248
454,182
367,293
86,889
22,606,909
137,387
-

21,552,446
21,310,301
242,145
106,414,071
94,188,615
12,225,456
879,340
492,076
387,264
16,757,107
23,690
-

225,799
225,151
648
1,637,726
1,619,587
18,139
47,031
41,462
5,569
354,776
-

36,251
36,251
247,989
175,818
72,171
2,073
2,073
34,527
-

23,711
23,711
142,164
142,164
62,921
62,921
24,118
375
-

102,301
102,301
508,102
457,139
50,963
2,710
2,710
91,122
610
-

21,940,508
21,697,715
242,793
108,950,052
96,583,323
12,366,729
994,075
601,242
392,833
17,261,650
24,675
-

75,686,346
10,343,011
-

384,570
1,586
-

11,720
-

709
208
-

685
384
46,817

76,084,030
10,345,189
46,817

4,757,829
3,487,731
-

814
448
-

15,523

4,758,643
3,488,179
15,523

Allowance for Impairment

ACCOUNTS

Individual

Unaudited
Jun 30, 2010

Performance Ratio
1.
Capital Adequacy Ratio
13.92%
14.71%
2.
Non performing earning assets and non earning assets
to total earning assets and non earning assets
0.34%
0.46%
Non perfoming earning assets to total earning assets
0.41%
0.45%
3.
Impairment provision on earning assets to total earning assets
1.36%
1.82%
4.
Gross NPL
0.65%
0.81%
5.
0.26%
0.28%
6.
Net NPL
3.62%
3.47%
7.
Return on Asset (ROA)
30.83%
31.55%
8.
Return on Equity (ROE)
5.63%
5.14%
9.
Net Interest Margin (NIM)
Operating Expenses to Operating Revenues
61.87%
66.49%
10.
Loan to Deposit Ratio (LDR)
55.87%
51.37%
11.
Compliance
a. Percentage Violation of Legal Lending Limit
1.
i. Related Parties
0.00%
0.00%
ii. Non Related Parties
0.00%
0.00%
b. Percentage Lending in Excess of Legal Lending Limit
i. Related Parties
0.00%
0.00%
ii. Non Related Parties
0.00%
0.00%
Reserve Requirement
2.
a. Primary Reserve Requirement (Rupiah) #)
10.35%
5.05%
b. Reserve Requirement (Foreign currency)
8.30%
1.26%
Net Open Position
0.58%
0.32%
3.
#) Primary Reserve Requirement (Rupiah) as of June 30, 2011 based on Bank Indonesia Regulation No. 13/10/PBI/2011 dated February 9,
2011 has been calculated Primary Reserve Requirement and LDR Reserve Requirement. Whereas, Primary Reserve Requirement
(Rupiah) as of June 30, 2010 based on Bank Indonesia Regulation No. 10/25/PBI/2008 dated October 23, 2008 only calculated Primary
Reserve Requirement.

Unaudited
Jun 30, 2010

SPOT AND DERIVATIVE TRANSACTIONS

As of June 30, 2011
(In millions of Rupiah)

4,004,964
3,799,181
16.44%
1.56%
14.17%
5.19%

4,962,583
2,694,950
16.68%
1.84%
15.41%
6.23%

186
506,877
126,811
377,817

186
387,470
47,317
183,082

June 30, 2011 (Unaudited)

No.
Unaudited
Jun 30, 2011

CONSOLIDATED

Unaudited
Jun 30, 2011

ALLOWANCE FOR LOSSES

As of June 30, 2011 & 2010
(In millions of Rupiah)

BANK

RATIO (%)

No.

June 30, 2011 (Unaudited)

ACCOUNTS

FINANCIAL RATIOS CALCULATION TABLE

As of June 30, 2011 & 2010

No.

BANK

Unaudited
Jun 30, 2010

I.

3.

3,014,899
3,014,899
476,958

Unaudited
Jun 30, 2011

BANK

No.

Consolidated

Bank

CONSOLIDATED

Unaudited
Jun 30, 2010

EARNING ASSETS QUALITY AND OTHER INFORMATION

As of June 30, 2011 & 2010
(In millions of Rupiah)

Jun 30, 2010

Unaudited

Consolidated

Unaudited
Jun 30, 2011

Bank's Premium Expense on Government Guarantee amounted to Rp 285,036 million as of June 30, 2011 and Rp 254,514 million as of June 30, 2010, which was reported
in 'Interest expenses'.

2.

Jun 30, 2011

Unaudited

DESCRIPTION

ACCOUNTS

OPERATIONAL INCOME AND EXPENSES

A.A.
Interest Income & Expenses
Interest Income
1.
a. Rupiah currency
b. Foreign currencies
Interest expenses
2.
a. Rupiah currency
b. Foreign currencies
Net interest Income (Expenses)
B.B.
Operational Income and Expenses Other than Interest
Operational Income Other than Interest
1.
a. Positive mark to market on financial assets
i. Securities
ii. Loans
iii. Spot and derivatives
iv. Other financial asset
b. Negative mark to market on financial liabilities
c. Gain on sale of financial assets
i. Securities
ii. Loans
iii. Other financial asset
d. Gain on spot and derivatives (realised)
e. Dividend, gain on investment under equity method,
commission/provision/fee and administration
f. Reversal of impairment, non earning assets provision, and
provision on commitment and contingencies
g. Other Income
Operational Expenses Other than Interest
2.
a. Negative mark to market on financial assets
i. Securities
ii. Loans
iii. Spot and derivatives
iv. Other financial asset
b. Positive mark to market on financial liabilities
c. Loss on sale of financial assets
i. Securities
ii. Loans
iii. Other financial asset
d. Loss on spot and derivatives (realised)
e. Impairment of financial assets
i. Securities
ii. Loans
iii. Sharia financing
iv. Other financial assets
f. Provision expense of commitment and contingencies
g. Provision expense of operational risk
h. Losses on operational risk
I. Losses on investment under equity method,
commission/provision/fee, and administration
j. Impairment of other assets (non financial assets)
k. Provision expenses of non earning assets
l. Personnel expenses
m. Promotion expenses
n. Others expenses
Net Operational Income (Expenses) Other than Interest
OPERATIONAL INCOME (EXPENSES)
NON OPERATIONAL INCOME (EXPENSES)
Gain (loss) on sale of fixed assets and equipment
1.
Gain (loss) on foreign exchange translation
2.
Other non operational income (expenses)
3.
NON OPERATIONAL PROFIT (LOSS)
CURRENT PERIOD PROFIT (LOSS)
Transfer of profit (loss) to head office
1.
Income taxes
2.
a. Estimated current period tax
b. Deferred tax income (expenses)
NET PROFIT (LOSS)
PROFIT (LOSS) MINORITY INTEREST
PROFIT (LOSS) AFTER MINORITY INTEREST
DIVIDEND
EARNINGS PER SHARE

CALCULATION OF CAPITAL ADEQUACY RATIO/CAR

As of June 30, 2011 & 2010
(In millions of Rupiah)

No.

CONSOLIDATED STATEMENTS OF COMMITMENTS & CONTINGENCIES

As of June 30, 2011 & 2010
(In millions of Rupiah)

1.
2.
3.
4.
5.
6.
7.
8.
9.

Placements to Bank Indonesia

Spot and derivative claims
Securities
Securities sold under repurchase agreement (repo)
Claims on securities bought under reverse repo
Acceptance claims
Loans
Equity investment
Temporary equity investment
BOARD OF COMMISSIONERS & DIRECTORS

BOARD OF COMMISSIONERS
- President Commissioner
:
- Commissioner
:
- Commissioner
:
(also Independent Commissioner)
- Commissioner
:
(also Independent Commissioner)
- Commissioner
:
(also Independent Commissioner)
BOARD OF DIRECTORS
- President Director
- Deputy President Director
- Director
- Director
- Director
- Director / Compliance Director
- Director
- Director
- Director
- Director
1)

:
:
:
:
:
:
:
:
:
:

Djohan Emir Setijoso

Tonny Kusnadi
Cyrillus Harinowo

172,840
363,380
1)

2)

Raden Pardede
Sigit Pramono

Jahja Setiaatmadja
2)
Eugene Keith Galbraith
Dhalia Mansor Ariotedjo
Anthony Brent Elam
Suwignyo Budiman
Subur Tan
Renaldo Hector Barros
Henry Koenaifi
Armand Wahyudi Hartono
2)
Erwan Yuris Ang

The Board of Commissioners & Directors based on the Annual General Meeting of
Shareholders which was notarized by notarial deed No. 143 of Dr. Irawan Soerodjo,
S.H., Msi., dated May 12, 2011.

June 30, 2010 (Unaudited)

Allowance required to be provided

General

Collective
151,422
235,233
3,056,867
25,107
-

144,339
419
95,447
42,400
1,475,911
23,441
-

Special
173,029
3,966
918,618
1,666
-

Allowance for Impairment

Individual
174,815
465,744
-

Collective
215,266
354
549,645
460,970
3,073,978
20,364
-

BANK'S OWNERS
FarIndo Investment (Mauritius) Ltd qualitate qua (qq)
Mr. Robert Budi Hartono and Mr. Bambang Hartono *)

47.15%

Anthony Salim

1.76%

Public **)

49.91%

Shares repurchased by PT Bank Central Asia Tbk

(treasury stock)

1.18%

Total

100.00%

*)

Referring to letter of Bank Indonesia No. 12/21/DPB3/TPB3-7 dated

February 25, 2010, the Ultimate Shareholders of FarIndo Investments
(Mauritius) Ltd ("FarIndo") are Mr. Robert Budi Hartono and Mr. Bambang
Hartono.

**)

In the composition of Shares held by the public, 2.45% of the shares are
owned by parties affiliated with the Ultimate Shareholders; 0.02% are held
by Robert Budi Hartono and 0.02% by Bambang Hartono.

The consolidated financial information have been presented to meet the requirements of Bank Indonesia Regulation No. 7/50/PBI/2005 dated November 29,
2)
To be effective since it has been approved by Bank Indonesia.
2005 concerning amendment to Bank Indonesia Regulation No. 3/22/PBI/2001 dated December 13, 2001 concerning Transparency of Financial Condition of
Banks, Circular Letter of Bank Indonesia No. 12/11/DPNP dated March 31, 2010 regarding Second Changes on Circular Letter of Bank Indonesia No.
3/30/DPNP dated December 14, 2001 about Quarterly and Monthly Published Financial Statements of Commercial Banks and Certain Reports to Bank For comparative purposes, certain accounts in the consolidated financial statements for the period ended June 30, 2010 have been reclassified to conform with the presentation
Indonesia, regulation No. VIII.G.7 as attached to the Decision Letter of The Chairman of Capital Market Supervisory Agency (Bapepam) and Financial of accounts in consolidated financial statements for the period ended June 30, 2011.
Institution No. Kep-554/BL/2010 dated December 30, 2010 regarding Changes on Decision Letter of The Chairman of Capital Market Supervisory Agency Pursuant to Circular Letter of Bank Indonesia No. 7/10/DPNP dated 31 March 2005 regarding Changes on Circular Letter of Bank Indonesia No. 3/30/DPNP dated December 14,
(Bapepam) No. Kep-06/PM/2000 dated March 13, 2000 regarding Changes regulation No. VIII.G.7 regarding Guidance for Presentation of Financial 2001 regarding Quarterly and Monthly Published Financial Statements of Commercial Banks and Certain Reports to Bank Indonesia, the consolidated financial statements of
Statements jo. Circular Letter of The Chairman of Bapepam No. SE-03/BL/2011 regarding Guidance for Presentation and Disclosures of Publicly Listed BCA's parent company have not been presented.
Companies Financial Statements and the Decision Letter of The Chairman of Capital Market Supervisory Agency (Bapepam) and Financial Institution No. The main exchange rates used are as follows:
Kep-395/BL/2011 dated July 26, 2011 regarding Interim Published Financial Statements of Publicly Listed Companies.
Rate per June 30, 2011
: 1 USD= Rp 8,575.50
1 HKD = Rp 1,101.90
The above financial information for the six months period ended June 30, 2011 has implemented SFAS No. 50 (Revised 2006), "Financial Instrument: Rate per June 30, 2010
: 1 USD= Rp 9,065.00
1 HKD = Rp 1,164.51
Presentation and Disclosure", and SFAS No. 55 (Revised 2006), "Financial Instrument: Recognition and Measurement". Whereas, the above financial *)After elimination of accumulated deficit of Rp 25,853,162 million through quasi reorganization on October 31, 2000 (pursuant to the resolution of the Extraordinary General
information for the six months period ended June 30, 2010 has implemented SFAS No. 50 (Revised 2006), "Financial Instrument: Presentation and Disclosure", Meeting of Shareholders of PT Bank Central Asia Tbk on April 12, 2001).
and SFAS No. 55 (Revised 2006), "Financial Instrument: Recognition and Measurement", especially for loan portfolio, except credit card portfolio.

Jakarta, July 29, 2011

Allowance required to be provided

General
215,266
354
93,413
34,762
1,211,200
18,567
-

Special
174,815
733
828,209
1,797
-