CONSOLIDATED FINANCIAL STATEMENTS AND OTHER FINANCIAL INFORMATION

Transcription

1 STATEMENTS OF FINANCIAL POSITION As at 30 September 2017 and 31 December 2016 CONSOLIDATED 30 September December September December 2016 ASSETS 1. Cash 3,099,768 3,261,444 3,106,533 3,261, Placement to Bank Indonesia 26,363,654 16,991,628 26,363,654 16,991, Interbank placement 2,575,705 2,327,210 2,609,437 2,414, Spot and derivatives claims 255, , , , Securities a. Measured at fair value through profit and loss 5,728,208 3,463,368 5,728,208 3,463,368 b. Available for sale 17,473,915 15,871,262 17,473,915 15,871,262 c. Hold to maturity 8,816,978 8,229,642 8,816,978 8,229,642 d. Loan and receivables 6. Securities sold under repurchase agreement (repo) 7. Claims on securities bought under reverse repo 348, , , , Acceptance claims 3,623,807 4,488,511 3,623,807 4,488, Loans a. Measured at fair value through profit and loss b. Available for sale c. Hold to maturity d. Loan and receivables 160,389, ,600, ,927, ,875, Sharia financing 14,841,318 10,205,773 14,841,318 10,205, Equity investment 783, ,285 4,464 4, Impairment on financial assets -/- a. Securities (31,766) (35,913) (31,766) (35,913) b. Loans (7,592,579) (7,664,256) (7,986,211) (8,098,253) c. Others (449,412) (451,879) (467,827) (482,325) 13. Intangible assets 2,301,843 2,260,824 2,326,684 2,285,292 Accumulated amortisation on intangible assets -/- (944,874) (783,872) (965,332) (802,995) 14. Fixed assets and equipment 7,482,338 7,400,594 7,582,590 7,504,192 Accumulated depreciation on fixed assets and equipment -/- (2,341,929) (2,144,903) (2,432,604) (2,234,845) 15. Non productive asset a. Abandoned property 8,164 8,164 8,164 8,164 b. Foreclosed assets 559, , , ,422 c. Suspense accounts 154,372 47, ,372 47,544 d. Interbranch assets i. Conducting operational activities in Indonesia ii. Conducting operational activities outside Indonesia 16. Impairment on non financial assets -/ Leasing ,782 82, Deferred tax assets - 272,968 17, , Other assets 5,855,754 6,329,424 6,217,120 6,682,251 TOTAL ASSETS 249,300, ,952, ,130, ,571,728

2 LIABILITIES AND EQUITIES STATEMENTS OF FINANCIAL POSITION As at 30 September 2017 and 31 December 2016 CONSOLIDATED 30 September December September December 2016 LIABILITIES 1. Current account 47,834,472 43,274,217 47,694,702 43,184, Saving account 46,406,171 43,378,804 46,406,171 43,378, Time deposit 76,305,638 83,378,833 76,305,638 83,378, Revenue sharing investment 16,840,695 10,628,776 16,840,695 10,628, Liabilities to Bank Indonesia Interbank liabilities 8,016,901 4,557,473 8,016,901 4,557, Spot and derivatives liabilities 106, , , , Liabilities on securities sold under repurchase agreement 93, ,634 93, , Acceptance liabilities 3,623,807 4,077,182 3,623,807 4,077, Issued securities 6,036,135 3,787,704 6,036,135 3,787, Loans received 2,135,963 3,994,455 4,187,018 7,865, Margin deposit 151, , , , Interbranch liabilities a. Conducting operational activities in Indonesia 26,496 13,439 26,496 13,439 b. Conducting operational activities outside Indonesia 14. Deferred tax liabilities 12, Other liabilities 5,540,951 5,316,658 6,054,466 5,791, Profit sharing investment TOTAL LIABILITIES 213,132, ,107, ,543, ,364,106 EQUITIES 17. Paid in capital a. Capital 2,900,000 2,900,000 2,900,000 2,900,000 b. Unpaid capital -/- (1,287,743) (1,287,743) (1,287,743) (1,287,743) c. Treasury Stock -/ Addition paid-in capital a. Agio 7,033,450 7,033,450 7,033,450 7,033,450 b. Disagio -/ - c. Donated capital d. Fund for paid up capital e. Others 57,011 57,011 57,011 57, Other comprehensive gain/(loss) a. Translation adjustment b. Gain/(loss) on value changes of financial assets categorized as available for sale 16,627 (166,991) 16,627 (166,991) c. Effective portion of cash flow hedge d. Difference in fixed assets revaluation 3,077,883 3,077,883 3,077,883 3,077,883 e. Portion of other comprehensive income from associates f. Gain/(loss) on defined benefit actuarial program (63,914) (63,914) (66,308) (64,866) g. Income tax of other comprehensive income h. Others 20. Difference of quaty reorganization 21. Difference in restructuring under common control 22. Other equity 23. Reserves a. General reserves 351, , , ,538 b. Appropriated reserves 24. Transaction with non-controlling interest - - (35,723) (35,723) 25. Gain/(Loss) a. Previous years 21,943,703 19,904,487 22,342,245 20,260,558 b. Current year 2,140,244 2,039,216 2,197,084 2,081,687 TOTAL EQUITIES ATTRIBUTABLE TO OWNERS 36,168,799 33,844,937 36,586,064 34,206, Non-controlling interest TOTAL EQUITIES 36,168,799 33,844,937 36,586,922 34,207,622 TOTAL LIABILITIES AND EQUITIES 249,300, ,952, ,130, ,571,728

3 OPERATIONAL INCOME AND EXPENSES A. Interest Income and Expenses STATEMENTS OF COMPREHENSIVE INCOME Period of 1 January - 30 September 2017 and 2016 (in million Rupiah, except for earnings per share) CONSOLIDATED 1. Interest Income a. Rupiah 13,733,936 14,227,605 14,433,831 15,069,096 b. Foreign Currency 867, , , , Interest Expenses a. Rupiah 5,494,898 6,545,780 5,746,472 6,945,161 b. Foreign Currency 185, , , ,329 Net Interest Income 8,920,737 8,444,435 9,369,058 8,886,545 B. Operational Income and Expenses Other than Interest 1. Operational Income Other than Interest 3,079,607 2,819,492 3,233,910 3,071,438 a. Positive mark to market on financial assets i. Securities 13,038 15,380 13,038 15,380 ii. Loans iii. Spot and derivatives 74, ,521 74, ,521 iv. Other financial assets b. Negative mark to market on financial liabilities c. Gain on sale of financial assets i. Securities 318, , , ,202 ii. Loans iii. Other financial assets d. Gain on spot and derivatives (realised) 493, , , ,767 e. Dividend f. Gain on investment under equity method - 31,026-31,026 g. Commission/provision/fee and administration 1,953,408 1,624,451 1,975,811 1,745,032 h. Recovery of asset impairment 6,787 2,497 18,818 2,497 i. Other income 218, , , , Operational Expenses Other than Interest 9,152,810 9,515,225 9,697,325 10,084,898 a. Negative mark to market on financial assets i. Securities ii. Loans iii. Spot and derivatives iv. Other financial assets b. Positive mark to market on financial liabilities c. Loss on sale of financial assets i. Securities ii. Loans iii. Other financial assets d. Loss on spot and derivatives (realised) 420, , , ,165 e. Impairment of financial assets i. Securities ii. Loans 2,820,950 3,230,322 3,011,952 3,456,727 iii. Sharia financing 75,808 2,968 75,808 2,968 iv. Other financial assets - 3,667-10,346 f. Losses on operational risk 5,417 20,051 5,417 20,051 g. Losses on investment under equity method h. Commission/provision/fee and administration 475, , , ,753 i. Impairment of other assets (non financial assets) 33, ,923 88, ,616 j. Personnel expenses 2,623,260 2,424,339 2,811,619 2,611,003 k. Promotion expenses 179, , , ,391 l. Other expenses 2,518,149 2,622,866 2,619,124 2,744,878 Net Operational Expenses Other than Interest (6,073,203) (6,695,733) (6,463,415) (7,013,460) OPERATIONAL PROFIT 2,847,534 1,748,702 2,905,643 1,873,085

4 STATEMENTS OF COMPREHENSIVE INCOME Period of 1 January - 30 September 2017 and 2016 (in million Rupiah, except for earnings per share) CONSOLIDATED NON OPERATIONAL INCOME (EXPENSES) 1. Gain on sale of fixed assets and equipment Gain/(loss) on foreign exchange translation 3. Other non operational income/(expenses) 21,542 (35,268) 35,850 (69,371) NON OPERATIONAL PROFIT/(LOSS) 21,953 (34,823) 36,570 (68,432) CURRENT PERIOD PROFIT BEFORE INCOME TAXES 2,869,487 1,713,879 2,942,213 1,804,653 Income Taxes a. Estimated current period tax (504,491) (308,660) (526,449) (337,525) b. Deferred tax income (expenses) (224,752) (136,687) (218,640) (168,226) CURRENT PERIOD NET PROFIT AFTER INCOME TAXES 2,140,244 1,268,532 2,197,124 1,298,902 OTHER COMPREHENSIVE INCOME 1 Item that will not be reclassified to profit or loss - 3,005,647 (1,442) 2,961,242 a. Gain on revaluation of fixed assets - 3,077,883-3,077,883 b. Gain/(loss) on defined benefit actuarial program - (96,314) (2,081) (155,134) c. Portion of other comprehensive income from associates d. Others e. Income tax (charged)/credited relating to item that will not be reclassified to profit or loss - 24, ,493 2 Item that will be reclassified to profit or loss 183, , , ,479 a. Translation adjustment from foreign currency b. Gain/(loss) on value changes of financial assets categorized as available for sale 244, , , ,733 c. Effective portion of cash flow hedge d. Others e. Income tax (charged)/credited relating to item that will be reclassified to profit or loss (61,204) (280,389) (61,204) (237,254) Other comprehensive income of the current period - net of applicable income tax 183,618 3,574, ,176 3,573,721 CURRENT PERIOD TOTAL COMPREHENSIVE PROFIT 2,323,862 4,843,523 2,379,300 4,872,623 Profit Attributable to: OWNER 2,140,244 1,268,532 2,197,084 1,298,881 NON-CONTROLLING INTEREST CURRENT PERIOD TOTAL PROFIT 2,140,244 1,268,532 2,197,124 1,298,902 Total other comprehensive income attributable to: OWNER 183,618 3,574, ,176 3,573,721 NON-CONTROLLING INTEREST CURRENT PERIOD TOTAL COMPREHENSIVE PROFIT 183,618 3,574, ,176 3,573,721 Total comprehensive profit attributable to: OWNER 2,323,862 4,843,523 2,379,260 4,872,602 NON-CONTROLLING INTEREST CURRENT PERIOD TOTAL COMPREHENSIVE PROFIT 2,323,862 4,843,523 2,379,300 4,872,623 TRANSFER OF PROFIT/(LOSS) TO HEAD OFFICE DIVIDEND NET EARNINGS PER SHARE

5 STATEMENTS OF CASH FLOWS Period of 1 January - 30 September 2017 and 2016 CONSOLIDATED A. Cash flows from operating activities: Receipts of interest, fees and commissions income 16,006,510 16,333,625 16,727,072 17,296,253 Payments of interests, fees and commissions (5,189,764) (6,172,044) (5,195,431) (6,172,940) Other operating income 218, , , ,204 Foreign exchange & derivative gains/(losses) - net (4,571) 293,465 (4,571) 293,465 Other operating expenses (4,904,147) (5,001,797) (5,198,852) (5,322,799) Non operating income/(expenses) - net 22,690 (70,074) 36,357 35,016 Cash flow before changes in operating assets and liabilities 6,149,656 5,526,014 6,703,382 6,403,199 Changes in assets and liabilities: - Decrease/(increase) in assets: - Trading Marketable securities and government bonds for trading (1,933,238) 1,470,379 (1,933,238) 1,470,379 - Securities purchased under resale agreements 194,893 (1,268,070) 194,893 (1,268,070) - Loans (3,368,994) 806,644 (4,031,944) 538,786 - Acceptance receivable 864, , , ,679 - Consumer financing receivables - - 2,166,394 (154,195) - Other assets and prepaid expenses 444,553 (471,764) 440, ,118 - Increase/(decrease) in liabilities: - Deposits from customers 6,726,346 34,084 6,676, ,452 - Deposits from other banks 3,459,428 (2,593,569) 3,459,428 (2,593,569) - Securities sold under repurchase agreement (76,010) (1,798,635) (76,010) (1,798,635) - Acceptance payables (453,375) (753,026) (453,375) (753,026) - Taxes payable (2,238) 43,409 (2,323) 38,276 - Obligation due immediately, accruals and other liabilities and employee benefit obligations 302,900 1,050, , ,878 Income tax paid during the period (709,259) (338,258) (745,504) (481,780) Net cash provided by operating activities 11,599,366 2,365,187 13,626,939 3,010,492 B. Cash flows from investing activities: (Increase) in available-for-sale and held-to-maturity marketable securities and government bonds (2,195,569) (3,386,778) (2,195,569) (3,386,778) Decrease in long term investments - 9,474-9,474 Proceeds from sale of fixed assets ,332 Acquisition of fixed assets (145,873) (259,115) (146,345) (264,340) Acquisition of intangible assets (41,112) (405,704) (41,484) (406,555) Net cash used in investing activities (2,382,043) (4,041,463) (2,382,466) (4,046,867) C. Cash flows from financing activities: Addition of borrowing 250, , , ,941 Increase/(decrease) in marketable securities issued 1,998,431 3,409 1,998,431 (596,445) Payment of interest and borrowings (563,332) (1,803,149) (2,699,165) (2,601,191) Payment of bonds interest and marketable securities issued (434,880) (494,316) (434,880) (505,882) Payment of subordinated loans (1,380,000) - (1,380,000) - Net cash used in by financing activities (129,210) (2,193,804) (2,203,432) (2,732,577) Effects on exchange rate differences in cash and cash equivalent 120,968 (413,415) 120,968 (413,415) Net increase/(decrease) in cash and cash equivalent 9,209,081 (4,283,495) 9,162,009 (4,182,367) Cash and cash equivalent at beginning of the period 23,328,546 28,050,545 23,416,115 28,130,816 Cash and cash equivalent at ending of the period 32,537,627 23,767,050 32,578,124 23,948,449 Cash and cash equivalent consist of: Cash 3,099,768 3,366,822 3,106,533 3,367,140 Current accounts with Bank Indonesia 13,005,509 12,945,652 13,005,509 12,945,652 Current accounts with other banks 2,566,258 2,447,478 2,599,990 2,628,559 Placement with other banks - mature within three months or less since acquisition date 13,367,592 3,710,042 13,367,592 3,710,042 Bank Indonesia certificates and Local Bank Certificates - mature within three months or less since acquisition date 498,500 1,297, ,500 1,297,056 Total cash and cash equivalents 32,537,627 23,767,050 32,578,124 23,948,449 Supplemental cash flows information: Activities not affecting cash flows

6 CALCULATION OF CAPITAL ADEQUACY RATIO as at 30 September 2017 and 2016 (in million Rupiah, except for ratios in percentage) NO. Bank CIMB Niaga Consolidated Bank CIMB Niaga Consolidated I Core Capital (Tier 1) 33,762,952 34,980,528 30,743,354 31,887,989 1 Common Equity Tier (CET 1) 33,762,952 34,980,528 30,743,354 31,887, Paid in Capital (after deducting Treasury Stock) 1,612,257 1,612,257 1,612,257 1,612, Disclosed Reserves Additional Factor Other Comprehensive Income Excess translation adjustment of financial statement Potential gain on increase in fair value of financial assets classified as available for sale 16,627 16,627 11,906 11, Fixed asset revaluation surplus 3,077,883 3,077,883 3,077,883 3,077, Other disclosed reserve Agio 7,090,461 7,090,461 7,090,461 7,090, General reserve 351, , , , Previous years profit 21,938,651 22,347,295 19,904,487 20,265, Current year profit 2,140,244 2,197,084 1,268,532 1,298, Fund fo paid-in capital Other Deduction Factor Other Comprehensive Income Negative difference arising from translation of financial statement Potential loss on decrease in fair value of financial assets classified as available for sale Other disclosed reserve Disagio Previous years loss Current year loss Negative differences between regulatory provision and impairment of productive asset Negative difference on adjustment of fair value on financial instrument in the trading book Required regulatory provision on productive asset 363, , , , Other 1.3 Non controlling interest 1.4 Deduction Factor of Common Equity Tier Deferred tax calculation - 17, , , Goodwill Other intangible assets 1,326,951 1,331,335 1,478,875 1,483, Equity investment which can be calculated as deduction factor 773, , Shorftall on the capital of insurance subsidiary Securitisation exposure Other deduction factor of Tier Investment in AT 1 and/or Tier 2 instruments in other bank Cross ownership in other entity acquired by the transition of the law, a grant, or grant will 2 Additonal Tier Capital instrument which can be calculated as AT Agio/Disagio 2.3 Deduction factor on additional Tier Investment in AT 1 and/or Tier 2 instruments in other bank Cross ownership in other entity acquired by the transition of the law, a grant, or grant will II Supplementary Capital (Tier 2) 2,310,879 2,614,013 2,716,419 3,051,450 1 Capital instrument which can be calculated as Tier 2 676, ,543 1,072,340 1,072,340 2 Agio/Disagio 3 General reserve of required regulatory provision on productive asset (max.1.25% of RWA for Credit Risk) 1,634,336 1,937,470 1,644,079 1,979,110 4 Tier 2 deduction factor 4.1 Sinking Fund 4.2 Investment in tier 2 instruments in other bank 4.3 Cross ownership in other entity acquired by the transition of the law, a grant, or grant will Total Capital 36,073,831 37,594,541 33,459,773 34,939,439 Bank CIMB Niaga Consolidated Bank CIMB Niaga Consolidated Bank CIMB Niaga Consolidated Bank CIMB Niaga Consolidated RISK WEIGHTED ASSET (RWA) Capital Adequacy Ratio RWA FOR CREDIT RISK 166,281, ,354, ,505, ,364,821 Ratio CET1 (%) RWA FOR MARKET RISK 2,762,180 2,762,180 2,025,351 2,025,351 Ratio Tier 1 (%) RWA FOR OPERATIONAL RISK 24,849,418 26,207,702 23,782,852 25,207,603 Ratio Tier 2 (%) TOTAL RWA 193,893, ,324, ,313, ,597,775 Ratio KPMM (%) CAPITAL ADEQUACY RATIO ACCORDING TO RISK PROFILE (%) CET1 FOR BUFFER (%) PERCENTAGE OF BUFFER MANDATORY CAR ALLOCATED From CET1 (%) FILLED BY THE BANK Capital Conservation Buffer (%) From AT1 (%) Countercyclical Buffer (%) From Tier 2 (%) Capital Surcharge for Bank (%) DESCRIPTION 6

7 EARNING ASSETS QUALITY AND OTHER INFORMATIONS As at 30 September 2017 and 2016 Pass Special Mention Substandard Doubtful Loss TOTAL Pass Special Mention Substandard Doubtful Loss TOTAL I. RELATED PARTIES 1. Interbank placement a. Rupiah b. Foreign currency 2. Spot and derivative claims a. Rupiah b. Foreign currency 3. Securities a. Rupiah b. Foreign currency 4. Securities sold under repurchase agreements (Repo) a. Rupiah b. Foreign currency 5. Claims on securities bought under reverse repo a. Rupiah b. Foreign currency 6. Acceptance claims 7. Loans a. Micro, Small and Medium Enterprises (UMKM) i. Rupiah ii. Foreign currency b. Non Micro, Small and Medium Enterprises (UMKM) i. Rupiah 988, ,021 1,292,099 1,292,099 ii. Foreign currency c. Restructured loans i. Rupiah ii. Foreign currency d. Loan on property 147, , , , Equity investment 778, , , , Temporary equity investment 10. Other receivable 11. Commitments and contingencies a. Rupiah b. Foreign currency 12. Foreclosed assets II. NON-RELATED PARTIES 1. Interbank placement a. Rupiah 33,250 33,250 96,000 96,000 b. Foreign currency 2,533, ,447 2,542,455 2,825, ,152 2,834, Spot and derivative claims a. Rupiah 166, , , ,432 b. Foreign currency 88,497 88,497 55,382 55, Securities a. Rupiah 28,608, ,000 28,623,557 26,296, ,000 26,311,167 b. Foreign currency 3,395,544 3,395,544 2,892,017 2,892, Securities sold under repurchase agreement (Repo) a. Rupiah b. Foreign currency 5. Claims on securities bought under reverse repo a. Rupiah 348, ,063 1,442,622 1,442,622 b. Foreign currency 6. Acceptance claims 3,623,807 3,623,807 3,594,170 3,594, Loans a. Micro, Small and Medium Enterprises (UMKM) i. Rupiah 20,391,206 1,715, ,946 95, ,905 22,830,487 18,256,949 1,830,487 90, , ,046 20,877,754 ii. Foreign currency 574,890 4, , , ,093 5,813-37,193 8, ,625 b. Non Micro, Small and Medium Enterprises (UMKM) i. Rupiah 116,939,392 6,195, , ,037 3,561, ,975, ,965,605 6,818,760 1,280, ,664 2,570, ,234,013 ii. Foreign currency 20,129,267 1,417, , ,114 1,011,905 22,807,202 18,908,494 2,511, ,676 1,559,597 23,238,360 c. Restructured loans i. Rupiah 3,614,153 1,299, ,000 57,772 1,563,329 6,859,999 5,797,527 1,716, , , ,254 9,600,120 ii. Foreign currency 1,695,512 1,412, , ,292 3,705, ,144 1,854, ,133-3,041,670 d. Loan on property 36,601,171 2,799, , , ,934 40,626,637 29,645,531 3,032, ,828 96,869 1,250,465 34,242, Equity investment 3, ,464 3, , Temporary equity investment 10. Other receivable 69,928 69,928 36,136 36, Commitments and contingencies a. Rupiah 57,350, , ,789,473 52,331, , ,883,642 b. Foreign currency 13,468, , ,081,974 12,966, , ,079, Foreclosed assets 191, ,038 16, , , , ,309 22,213 53, ,401

8 EARNING ASSETS QUALITY AND OTHER INFORMATIONS As at 30 September 2017 and 2016 Pass Special Mention Substandard Doubtful Loss TOTAL Pass Special Mention Substandard Doubtful Loss TOTAL III. OTHER INFORMATION 1. Assets pledged as collateral a. To Bank Indonesia - - b. To other parties - - Impairment provision on 8,064,096 7,762, earning assets 3. Required regulatory provision on earning assets 7,353,996 7,149, Percentage of loans to micro, small, and medium enterprises (UMKM) to total loans 13.39% 12.74% 5. Percentage of loans to micro and small enterprises (UMK) to total loans 3.72% 5.34% 6. Percentage of micro, small and medium enterprises (UMKM) debtor to total debtor 8.28% 18.54% 7. Percentage of micro and small enterprises (UMK) debtor to total debtor 7.72% 17.51% 8. Others a. Channeling - - b. Mudharabah muqayyadah fund channeling - - c. Written off of earning assets 3,626,439 2,753,006 d. Written off of earning assets that has been re-collected 266, ,839 e. Charged off of earning assets - - * point a and b include propety loans and/or restructured loans ALLOWANCES FOR POSSIBLE LOSSES As at 30 September 2017 and Allowance for Impairment Compulsary Allowance for Possible Losses on Assets Allowance for Impairment Compulsary Allowance for Possible Losses on Assets Individual Collective General Specific Individual Collective General Specific 9,447 25,663 9,447 9,152 8,433 29,216 9, Interbank placement - 2. Spot and derivative claims - - 2, , Securities 15,000 16,766 63,172 15,000 15,000 20,024 71,237 15, Securities sold under repurchase agreement (repo) 5. Claims on securities bought under reverse repo 6. Acceptance claims , , Loans 3,841,377 3,751,202 1,441,250 5,211,013 3,445,267 3,833,768 1,431,323 5,020, Equity investment 805-7, , Temporary equity investment 10. Other receivable Commitment and contingencies ,364 52, ,442 33,211

9 S FINANCIAL RATIOS As at 30 September 2017 and 2016 PROFITABILITY RATIO Consolidated 1. Capital Adequacy Ratio 18.96% 18.14% 2. Non-performing Earning and Non-Earning Assets to Total Earning and Non-Earning Assets 2.68% 2.94% 3. Non-performing Earning Assets to Total Earning Assets 3.40% 3.62% 4. Allowance for Impairment Financial Assets to Total Earning Assets 3.89% 3.87% 5. Gross NPL 3.95% 4.21% 6. Net NPL 2.02% 2.39% 7. Return on Asset (ROA) 1.63% 1.02% 8. Return on Equity (ROE) 8.70% 5.74% 9. Net Interest Margin (NIM) 5.74% 5.54% 10. Operating Expenses to Operating Revenues 84.32% 90.18% 11. Loan to Deposit Ratio (LDR) 93.96% 96.07% Bank CIMB Niaga 1. Capital Adequacy Ratio 18.60% 17.96% 2. Non performing Earning Assets and Non-Earning Assets to Total Earning Assets and Non-Earning Assets 2.68% 2.95% 3. Non-performing Earning Assets to Total Earning Assets 3.41% 3.65% 4. Allowance for Impairment Financial Assets to Total Earning Assets 3.75% 3.75% 5. Gross NPL 3.98% 4.28% 6. Net NPL 2.03% 2.42% 7. Return on Asset (ROA) 1.62% 0.99% 8. Return on Equity (ROE) 8.78% 5.81% 9. Net Interest Margin (NIM) 5.58% 5.41% 10. Operating Expenses to Operating Revenues 83.89% 90.27% 11. Loan to Deposit Ratio (LDR) 91.99% 92.76% COMPLIANCE-Bank CIMB Niaga 1. a. Percentage Violation of Legal Lending Limit i. Related Parties - - ii. Non Related Parties - - b. Percentage Lending in Excess of The Legal Lending Limit i. Related Parties - - ii. Non Related Parties Minimum Reserve Requirement (MRR) *) a. Minimum Reserve Requirement (Rupiah) 6.54% 6.65% b. Minimum Reserve Requirement (Foreign currency) 8.26% 9.63% 3. Net Open Position **) 1.07% 1.26% *) **) Calculation of Minimum Reserve Requirement (MRR) as at 30 September 2017 and 2016 complies with Bank Indonesia's Regulation 19/6/PBI/2017 dated 18 April 2017 reagrding fifth amended of PBI 15/15/PBI/2013 dated 24 December 2013 and Governor Members Regulation 19/4/PADG/2017 dated 28 April 2017 regarding Minimum Reserve Requirement in Rupiah and Foreign Currencies for Conventional Commerical Banks which effective since 1 July The calculation of NOP including statement of financial position's accounts and administrative accounts.

10 I. COMMITTED CLAIMS COMMITMENTS AND CONTINGENCIES As at 30 September 2017 and 31 December 2016 CONSOLIDATED 30 September December September December 2016 II. III. IV. 1. Unused borrowing a. Rupiah b. Foreign currency 2. Outstanding spot and derivatives (purchased) 31,358,097 26,211,564 31,358,097 26,211, Others 775, , , ,047 Total Committed Claims 32,133,254 26,315,611 32,133,254 26,315,611 COMMITTED LIABILITIES 1. Undisbursed loan facilities to debtors a. BUMN i. Committed - Rupiah Foreign currency ii. Uncommitted - Rupiah 1,884,257 1,756,216 1,884,257 1,756,216 - Foreign currency 662, , , ,929 b. Others i. Committed 16,439,114 14,337,903 16,439,114 14,337,903 ii. Uncommitted 45,169,559 46,316,353 45,169,559 46,316, Undisbursed loan facilities to other banks a. Committed i. Rupiah 46,714 60,683 46,714 60,683 ii. Foreign currency b. Uncommitted i. Rupiah 1,503,967 1,412,236 1,503,967 1,412,236 ii. Foreign currency 3. Outstanding irrevocable letter of credit a. Foreign L/C 1,286,583 1,235,760 1,286,583 1,235,760 b. Local L/C 829, , , , Outstanding spot and derivatives (sold) 31,439,722 24,633,926 31,439,722 24,633, Others 803,614 69, ,614 69,516 Total Committed Liabilities 100,066,260 91,203, ,066,260 91,203,000 CONTINGENT CLAIMS 1. Guarantees received a. Rupiah , ,701 b. Foreign currency 17,230 1,129,444 17,230 1,129, Interest in suspense a. Loans 1,259,987 1,325,174 1,259,987 1,325,174 b. Others 3. Others Total Contingent Claims 1,277,437 2,503,319 1,277,437 2,503,319 CONTINGENT LIABILITIES 1. Guarantees issued a. Rupiah 3,418,184 3,253,234 3,418,184 3,253,234 b. Foreign currency 630, , , , Others Total Contingent Liabilities 4,048,523 4,029,469 4,048,523 4,029,469 #REF! #REF!

11 SPOT AND DERIVATIVE TRANSACTIONS As at 30 September 2017 Purposes Derivative Receivables and Payables Notional Amount Hedging Trading Receivables Payables A. Exchange Rate Related 1. Spot 2,880,156-2,880,156 1, Forward 3,792,661-3,792,661 3,262 12, Option a. Written - b. Purchased 1,141,840-1,141,840 4,409 5, Future - 5. Swap 13,075,506-13,075,506 23,436 26, Other - B. Interest Rate Related 1. Forward - 2. Option a. Written - b. Purchased - 3. Future 5,388,600-5,388, Swap 28,822, ,000 28,572, ,687 60,801 C. Others TRANSACTIONS 5. Other - 1. Credit Default Swap - TOTAL 55,101, ,000 54,851, , ,547

12 S Basic Loan Interest Rate (Prime Lending Rate) As at 30 September 2017 (% per year) Based on Business Segments* Corporate Retail Microfinance Consumer Loans Loans Loans Credit * Housing Loans Non Housing Loans Prime Lending Rate 9.75% 10.50% 18.00% 9.75% 10.00% Notes: a. b. c. d. Prime Lending Rate (PLR) is used as basic in determining lending rate to customer by Bank. PLR is not taking into account the risk premium component depend from banks against the risk assessment of each debtor or group of debtor considering debtor's financial condition, prospect of loan repayment, industry sector and loans period. Thus, the magnitude of interest rates on loans charged to borrowers is not necessarily the same as PLR. In Consumer loans, non housing loans does not include the channeling of funds through credit cards and loans without collateral (Kredit Tanpa Agunan /KTA). PLR information at any time can be seen in publications in any office of the Bank and/or website ( Housing loans apply for the first year fixed tenor *Notes : In accordance with Bank Indonesia's Circular Letter 15/1/DNP dated on 15 January 2013 concerning of Basic Loan Interest Rate point II. C stated Microfinance credit as additional type of credit

13 S BOARD OF COMMISIONERS AND DIRECTORS SHAREHOLDERS Board of Commisioners Ultimate Shareholders i President Commissioner : Dato' Sri Nazir Razak CIMB Group Holdings Berhad, Malaysia i Vice President Commissioner : Glenn Muhammad Surya Yusuf (through CIMB Group Sdn Bhd, Malaysia) 91.48% i Independent Commissioner : Zulkifli M. Ali i Independent Commissioner : Primoehadi Notowidigdo i Independent Commissioner : Armida Salsiah Alisjahbana Non ultimate shareholders through capital market (> 5 %) Nil i Independent Commissioner : Jeffrey Kairupan i Commissioner : David Richard Thomas i Commissioner : Ahmad Zulqarnain Onn a) i Commissioner : Tengku Zafrul bin Tengku Abdul Aziz b) Non ultimate Shareholders not through capital market (> 5 %) Nil Directors i President Director : Tigor M. Siahaan i Director : Wan Razly Abdullah Ultimate Shareholder PT Bank CIMB Niaga Tbk i Director : Rita Mas Oen Shareholders of CIMB Group Holdings Berhad, Malaysia: i Director : Megawati Sutanto Khazanah Nasional Berhad, Malaysia 28.14% i Director : Vera Handajani Employee Provident Fund, Malaysia 13.83% i Director : John Simon Others and public 58.03% i Director : Lani Darmawan i Director : Pandji Pratama Djajanegara i Director : Hedy Maria Helena Lapian i Director : Fransiska Oei i Director : Rahardja Alimhamzah c) a) Resigned effective since 24 August 2017 b) Will be effective after obtaining the result of fit and proper test c) Effective on 24 August 2017 Notes: 1 2 The financial information above is intended to meet and in accordance with: a. Financial Services Authority Regulation 6/POJK.03/2015 dated 31 March 2015 which has been amended with Financial Services Authority Regulation 32/POJK.03/2016 dated 08 August 2016 regarding "Transparency and Published Financial Statements of the Bank" b. Circular Letter of Financial Services Authority 43.SEOJK.03/2015 dated 28 September 2016 regarding "Transparency and Published Financial Statements of Commerical Banks" c. Financial Services Authority Regulation 34/POJK.03/2015 dated 22 September 2016 regarding amendment of Financial Services Authority Regulation 11/POJK.03/2016 concerning "Capital Adequacy Ratio of Commercial Bank" d. Bapepam-LK's regulation (effective on 1 January 2014, Financial Services Authority (Otoritas Jasa Keuangan or OJK) took over the function of Bapepam-LK) X.K.2.Attachment the Decree of Bapepam-LK Kepe. Bapepam and LK Regulation VIII.G.7, Bapepam-LK's regulation KEP-347/BL/2012 dated on 25 June 2012 regarding "Presentation and Disclosue Financial Statements of Public Company" 3 The current year's basic earnings per share is calculated by dividing profit attributable to Parent Equity holders with weighted average number of issued ordinary share during the year. 4 The consolidated financial statements included subsidiaries financial statements of PT CIMB Niaga Auto Finance and PT Kencana Internusa Artha Finance. As at 1 January 2016, both subsidiaries have effectively merged where PT CIMB Niaga Auto Finance is the surviving entity. The merger has received approval from Financial Services Authority (OJK) through its letter S-101/D.05/2015 dated 19 November The presentation of Published Financial Statements as at 30 September 2017 and for the nine-month periods ended 30 September 2017 and 2016 (unaudited). The presentation of published financial statements as at 31 December 2016, have been prepared based on Consolidated Financial Statements of PT Bank CIMB Niaga Tbk and subsidiaries which were audited by Public Accountant, Tanudiredja, Wibisana, Rintis & Partners - a member firm of PwC Global Network with Drs. M. Jusuf Wibisana, M.Ec, CPA, as partner in charge, whose report dated 17 February 2017, expressed an unmodified opinion. Exchange rate as at 30 September 2017: 1 USD = Rp 13,472, (31 December 2016: 1 USD = Rp 13,473 and 30 September 2016: USD = Rp 13,051) Jakarta, 31 October 2017 Wan Razly Abdullah Director Tigor M. Siahaan President Director