CONSOLIDATED FINANCIAL STATEMENTS AND OTHER FINANCIAL INFORMATION

Transcription

1 ASSETS BALANCE SHEET CONSOLIDATED 31 Maret 31 Maret 31 Desember Desember Cash 2,200,046 2,892,872 2,211,301 2,899, Placement with Bank Indonesia 17,699,629 15,198,927 17,699,629 15,198, Placement with other banks 2,070,012 3,463,472 2,295,584 3,505, Spot and derivative receivables 223, , , , Marketable securities a. Designated at fair value through profit or loss 1,627,393 1,703,119 1,627,393 1,703,119 b. Available for sale 7,428,445 6,405,652 7,428,445 6,405,652 c. Held-to-maturity 2,654,717 3,140,391 2,654,717 3,140,391 d. Loans and receivables Securities sold under repurchase agreements (repo) Receivable form securities purchased under resale agreements (reverse repo) 4,116,401 3,642,874 4,116,401 3,642, Acceptance receivables 2,426,953 2,384,054 2,426,953 2,384, Loans a. Designated at fair value through profit or loss b. Available for sale c. Held-to-maturity d. Loans and receivables 123,865, ,219, ,446, ,429, Sharia financing 3,382,693 3,272,530 3,382,693 3,272, Investment 206, ,722 8,866 8, Allowance for impairment losses on financial assets -/- a. Marketable securities (41,972) (39,147) (41,972) (39,147) b. Loans (3,661,920) (3,383,653) (3,696,090) (3,416,876) c. Others (450,567) (456,547) (452,067) (458,047) 13. Intangible assets 399, , , ,539 Accumulated amortisation of intangible asset -/- (217,619) (203,088) (224,339) (209,244) 14. Property, plant and equipment 2,882,652 2,849,964 2,956,630 2,916,048 Accumulated depreciation of property, plant and equipment -/- (1,721,414) (1,677,403) (1,745,934) (1,698,349) 15. Non-earning asset a. Abandoned properties 8,163 8,163 8,163 8,163 b. Foreclosed assets 90,832 92, , ,323 c. Suspend account 9,997 9,899 9,997 9,899 d. Interbranch receivables i. Operating in Indonesia 74,272 (6,173) 74,272 (6,173) ii. Operating in outside Indonesia Allowance for impairment of non financial assets -/- (10,886) (17,441) (12,214) (18,769) 17. Financing lease receivables , , Deferred tax assets 320, , , , Other assets 3,796,564 3,541,439 4,203,247 3,910,687 TOTAL ASSETS 169,380, ,137, ,679, ,801,130

2 BALANCE SHEET CONSOLIDATED 31 Maret 31 Maret 31 Desember Desember LIABILITIES AND SHAREHOLDERS' EQUITY LIABILITIES 1. Demand deposits 30,868,160 30,437,066 30,804,278 30,431, Savings deposits 27,642,733 26,834,925 27,642,733 26,834, Time deposits 70,188,879 70,405,483 70,188,879 70,405, Revenue sharing investment funds 4,589,837 4,142,109 4,589,837 4,142, Due to Bank Indonesia 101, , , , Due to other banks 4,857,443 1,892,040 4,857,443 1,892, Spot and derivative payables 150, , , , Payable on securities sold under repurchase agreements (repo) Acceptance payables 2,277,801 2,283,462 2,277,801 2,283, Marketable securities issued 1,493,319 1,492,853 1,493,319 1,492, Borrowings a. Subordinated loan 3,037,498 3,017,116 3,037,498 3,017,116 b. Other Borrowings 2,477,576 2,843,637 5,078,578 4,886, Security deposit 148, , , , Interbranch payables a. Operating in Indonesia b. Operating in outside Indonesia Deferred tax liabilities Other liabilities 2,685,114 2,362,978 3,080,582 2,667, Profit sharing investment fund TOTAL LIABILITIES 150,518, ,085, ,455, ,431,639 EQUITY 17. Issued and fully paid capital a. Authorized 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 Stocks -/ Addition paid-in capital a. Shares premium 8,148,573 8,148,573 8,148,573 8,148,573 b. Shares discount -/ c. Donated capital d. Capital paid in advance e. Others 57,011 57,011 57,011 57, Other comprehensive income (loss) a. Cumulative translation adjustment b. Unrealised gains on available for sale marketable securities 190, , , ,833 c. Cash flow hedging reserve (250) d. Revaluation reserve of property, plant and equipment e. Difference in transaction of changes in equity of subsidiaries and associate f. Gains (losses) from actuarial defined benefit plan g. income tax charge/(credit) relating to component of other comprehensive income h. Others Difference in Quasi Reorganisation Difference in restructuring value of transactions of entities under common control (1,115,123) (1,115,123) (1,115,123) (1,115,123) 22. Other Equity Reserves a. General reserves 351, , , ,538 b. Specific reserves Profit/Loss a. Previous Years 8,723,933 5,824,571 8,974,768 6,000,419 b. Current Year 893,967 2,899, ,503 2,974,349 18,862,675 18,051,772 19,156,046 18,302, Non controllong interest ,007 66,884 TOTAL EQUITY 18,862,675 18,051,772 19,224,053 18,369,491 TOTAL LIABILITIES AND EQUITY 169,380, ,137, ,679, ,801,130

3 OPERATING INCOME AND EXPENSES A. Interest Income and Expenses STATEMENTS COMPREHENSIVE INCOME Period 1 January - 31 March 2012 AND CONSOLIDATED Interest Income a. Rupiah 3,454,422 3,160,124 3,511,251 3,207,897 b. Foreign Currencies 350, , , , Interest Expenses a. Rupiah 1,492,627 1,492,602 1,557,585 1,514,756 b. Foreign Currencies 99, ,880 99, ,880 Net Interest Income 2,212,778 1,850,310 2,204,649 1,875,929 B. Non Interest Income and Expenses 1. Non Interest Income 995, ,317 1,157, ,784 a. Gain from increase in fair value of financial assets i. Marketable securities 1,901-1,901 - ii. Loans iii. Spot and derivatives 51,821 68,839 51,870 69,209 iv. Other financial assets b. Decrease in fair value of financial liabilities c. Gain from sale of financial assets - i. Marketable securities 311, ,418 - ii. Loans iii. Other financial assets d. Realised gain from spot and derivatives transactions 189,189 45, ,189 45,695 e. Gain from investment under equity method f. Dividend g. Commisions/provisions/fees and administrations 370, , , ,262 h. Reversal from impairment losses 6,150 5,565 6,150 5,565 i. Other income 64,468 51,992 87, , Non Interest Expenses 2,001,332 1,469,592 2,092,769 1,635,864 a. Losses from decrease in fair value of financial assets i. Marketable securities 214 4, ,293 ii. Loans iii. Spot and derivatives iv. Other financial assets b. Increase in fair value of financial liabilities c. Losses from sale of financial assets i. Marketable securities - 21,772-21,772 ii. Loans iii. Other financial assets d. Realised losses from spot and derivative transactions 91,130 90,821 92,150 91,429 e. Impairment losses on financial assets i. Marketable securities 2, , ii. Loans 406, , , ,430 iii. Sharia financing 13, , iv. Other financial assets - 1,529-1,529 f. Losses related to operational risk 9,321-9,321 - g. Losses from investment under equity method h. Commisions/provisions/fees and administrations 91,297 43,918 91,297 43,918 i. Losses from decrease in value of non financial assets - 6,344-6,344 j. Personnel expenses 642, , , ,013 k. Promotion expenses 79,987 32,567 92,078 68,281 l. Other expenses 663, , , ,090 Non Interest Expenses-Net (1,005,460) (858,275) (934,794) (896,080) NET OPERATING INCOME 1,207, ,035 1,269, ,849

4 STATEMENTS COMPREHENSIVE INCOME Period 1 January - 31 March 2012 AND CONSOLIDATED NON OPERATING INCOME AND EXPENSES 1. Gains on sale of property, plant and equipment Gains/(losses) on translation adjustments 8 (2) 11 (3) 3. Other non operating income 13,166 (142) 10, NON-OPERATING INCOME - NET 13,248 (144) 10, INCOME BEFORE TAX DURING THE PERIOD 1,220, ,891 1,280, ,286 Income Tax a. Income tax expenses (247,123) (169,650) (261,345) (198,591) b. Deferred tax income (79,476) (52,442) (80,708) (53,703) INCOME AFTER TAX DURING THE PERIOD 893, , , ,992 OTHER COMPREHENSIVE INCOME a. Foreign exchange translation adjustment b. Losses from changes in fair value of available for sale marketable securities (110,835) (147,809) (111,085) (147,809) c. Cash flow hedging reserve d. Gain from revaluation reserve of property, plant and equipment e. Difference in transaction of changes in equity of subsidiaries and associate f. Gains/(losses) from actuarial defined benefit plan g. Income tax (charged)/credit relating to components of other comprehensive income 27,771 36,995 27,771 36,995 h. Other comprehensive income Other comprehensive income-net of tax (83,064) (110,505) (83,314) (110,505) TOTAL COMPREHENSIVE INCOME DURING THE PERIOD 810, , , ,487 Attributable to: EQUITY HOLDERS TO PARENT 893, , , ,532 NON CONTROLLING INTEREST - - 1, TOTAL INCOME DURING THE PERIOD 893, , , ,992 Total Comprehensive Income Attributable to: EQUITY HOLDERS TO PARENT 810, , , ,027 NON CONTROLLING INTEREST - - 1, TOTAL INCOME DURING THE PERIOD 810, , , ,487 Gain/(Loss) Transferred to Head Office DIVIDEND EARNINGS PER SHARE

5 STATEMENTS OF CASH FLOWS Period 1 January - 31 March 2012 AND 2011 CONSOLIDATED A. Cash flow from operating activities Receipts of interest, fees and commissions income 4,168,254 4,578,414 4,364,338 4,629,621 Payments of interests, fees and commissions (1,430,338) (1,497,465) (1,505,193) (1,518,117) Other operating income 64,468 51,992 87, ,053 Foreign exchange gain/(losses) - net 98,194 (46,874) 98,598 (47,857) Other operating expenses (1,539,414) (1,201,556) (1,624,746) (1,360,648) Non operating income/(expense) - net 13,342 56,569 9,917 (1,507) Cash flow before changes in operating assets and liabilities 1,374,506 1,941,080 1,430,429 1,975,545 Changes in assets and liabilities: - (Increase)/decrease in assets: - Placement with other banks and Bank Indonesia (matures more than 3 months) (313,663) - (313,663) - - Trading marketable securities and Government Bonds 388,830 (1,339,342) 388,830 (1,339,342) - Securities purchased under resale agreements (473,527) - (473,527) - - Loans (3,760,376) (5,532,905) (3,811,338) (5,565,174) - Acceptance receivable (42,899) 36,685 (42,899) 36,685 - Other assets (351,097) (410,872) (742,691) (876,484) - Increase/(decrease) in liabilities: - Deposits from customers 1,470,025 2,715,008 1,411,423 2,714,052 - Deposits from other banks 2,945, ,804 2,945, ,804 - Acceptance payable (5,661) (49,457) (5,661) (49,457) - Taxes payable (65,562) (41,596) (62,087) (21,767) - Obligation due immediately, accruals and other liabilities 303,175 (321,405) 400,496 (188,037) Income tax paid during the period (198,576) (238,445) (214,234) (307,641) Net cash provided /(used in) by operating activities 1,270,795 (2,670,445) 910,697 (3,050,816) B. Cash flow from investing activities Decrease in available for sale and held to maturity marketable securities (748,401) (848,925) (748,651) (810,988) Proceeds from sale of long term investments - 102, ,293 Proceeds from sale of fixed assets Acquisition of fixed assets (50,785) (49,554) (60,131) (55,580) Net cash used in investing activities (799,112) (795,501) (808,708) (763,275) C. Cash flow from financing activities: Issuance of new shares through Right issue V - 1,495,929-1,495,929 Increase in marketable securities issued Increased/(decrease) in borrowings (377,627) (27,551) 180, ,678 Payment of bonds interest (107,646) (24,689) (107,646) (24,689) Net cash provided/(used in) by financing activities (484,807) 1,443,689 73,337 1,770,918 (Decrease)/net increase in cash and cash equivalent (13,124) (2,022,257) 175,326 (2,043,173) Cash and cash equivalent at beginning of the period 21,681,894 23,489,112 21,730,271 23,520,229 Cash and cash equivalent at ending of the period 21,668,770 21,466,855 21,905,597 21,477,056 Cash and cash equivalent consist of: Cash 2,200,046 2,075,533 2,211,301 2,078,646 Current accounts with Bank Indonesia 11,320,928 9,458,956 11,320,928 9,458,956 Current accounts with other banks 1,701, ,656 1,772, ,744 Placement with other banks and Bank Indonesia - mature within three months since acquisition date 6,187,559 7,922,344 6,342,559 7,922,344 Bank Indonesia certificates and Local Bank Certificates - mature within three months since acquisition date 258,425 1,341, ,425 1,341,366 Total cash and cash equivalents 21,668,770 21,466,855 21,905,597 21,477,056 Supplemental cash flows information: Activities not affecting cash flows

6 I. COMMITMENT RECEIVABLES COMMITMENTS AND CONTINGENCIES CONSOLIDATED II. III. IV. 1. Unused borrowing facilities received a. Rupiah b. Foreign Currencies Outstanding buying of spot and derivative contract 11,844,614 9,609,681 11,844,614 9,609, Others ,833 Total Commitment Receivables 11,844,614 9,609,681 11,844,614 9,838,514 COMMITMENT PAYABLES 1. Unused Loan Commitments Granted to Customers a. State-owned enterprises i. Committed - Rupiah 187, , Foreign Currencies ii. Uncommitted - Rupiah 594,883 1,160, ,883 1,160,464 - Foreign Currencies - 2,484-2,484 b. Others i. Committed 7,241,938-7,241,938 - ii. Uncommitted 29,345,762 35,782,397 29,345,762 35,782, Unused Loan Commitments Granted to Other Banks a. Committed i. Rupiah 27,824-27,824 - ii. Foreign Currencies b. Uncommitted i. Rupiah 304, , , ,966 ii. Foreign Currencies Outstanding Irrevocable Letter of Credit a. Offshore L/C 1,355,147 1,148,110 1,355,147 1,148,110 b. Local L/C 478, , , , Outstanding selling of spot and derivative contract 10,625,440 8,274,573 10,625,440 8,274, Others 2,792 2,769 2,792 2,769 Total Commitment Payables 50,164,203 47,083,142 50,164,203 47,083,142 CONTINGENT RECEIVABLES 1. Guarantees Received a. Rupiah b. Foreign Currencies 7,255 7,613 7,255 7, Interest Receivables on Non Performing Assets a. Interest from Loans granted 658, , , ,206 b. Other interest - 4,672-4, Others Total Contingent Receivables 665, , , ,491 CONTINGENT PAYABLES 1. Guarantees Issued a. Rupiah 2,441,270 2,457,311 2,441,270 2,457,311 b. Foreign Currencies 875, , , , Others Total Contingent Payables 3,316,798 3,063,161 3,316,798 3,063,161

7 TRANSACTIONS SPOT AND DERIVATIVE TRANSACTIONS AS OF 31 MARCH 2012 Purposes Derivative Receivables and Payables Notional Amount Hedging Trading Receivables Payables A. Related to Foreign Exchange 1. Spot 1,304,423-1,304,423 1,031 1, Forward 966, ,931 1,595 1, Option a. Written b. Purchased 1,682,649-1,682, Future Swap 1,068,795-1,068, , Others B. Related to Interest Rate 1. Forward Option a. Written b. Purchased Future Swap 11,721,113 1,636,108 10,085, , , Others C. Other Derivatives 1. Credit Default Swap TOTAL 16,743,911 1,636,108 15,107, , ,849

8 EARNING ASSETS QUALITY AND OTHER INFORMATION Pass Special Mention Substandard Doubtful Loss TOTAL Pass Special Mention Substandard Doubtful Loss TOTAL I. RELATED PARTIES 1. Placement with other banks 2. Spot and derivative receivables 3. Marketable securities 4. Securities Sold Under Repurchase Agreements (Repo) 5. Securities Purchased Under Resale Agreements (Reverse Repo) 6. Acceptance Receivables Loans a. Micro, Small and Medium Scale Business *) i. Rupiah ii. Foreign Currencies b. Non Micro, Small and Medium Scale Business *) i. Rupiah 432, , , ,844 ii. Foreign Currencies c. Restructured Loans i. Rupiah ii. Foreign Currencies d. Property Loans Investments 202, , , , Temporary Investments Commitments and contingencies 11. Foreclosed Assets II. NON-RELATED PARTIES 1. Placement with other banks a. Rupiah 281, ,303 27, ,291 b. Foreign currencies 1,774, ,452 1,788,709 1,565, ,762 1,579, Spot and derivative receivables a. Rupiah 209, ,191 89, ,271 b. Foreign currencies 14, ,778 83, , Marketable securities a. Rupiah 11,050, ,000 11,065,112 13,724, ,000 13,739,754 b. Foreign currencies 645, ,443 1,194, ,194, Securities Sold Under Repurchase Agreements (Repo) 5. Receivable on securities Purchased Under Resale Agreements (Reverse Repo) a. Rupiah 4,116, ,116, , , Acceptance Receivables 2,426, ,426,953 1,351, ,351, Loans a. Micro, Small and Medium Scale Business *) i. Rupiah 18,161,924 1,024,242 57,968 90, ,352 19,665,185 19,268, ,940 56, , ,198 20,383,634 ii. Foreign Currencies 1,145,990 36,499-19,587 17,452 1,219,528 1,365, , ,209 1,396,714 b. Non Micro, Small and Medium Scale Business Debtors *) i. Rupiah 78,704,737 3,517, , ,363 1,386,556 84,446,683 65,910,030 3,126, , , ,170 70,675,866 ii. Foreign Currencies 19,719,040 1,066,690 30,327 1, ,996 21,484,072 14,558, , , ,348 15,946,411 c. Restructured Loans i. Rupiah 286, ,473 37,611 11, ,887 1,730, , , ,657 15, ,578 1,435,571 ii. Foreign Currencies 44, ,680 9, , , , ,192 10, , ,881 d. Property Loans 16,709,757 1,682,175 78,572 68, ,830 18,784,100 18,678,645 1,447,706 57,749 59, ,663 20,465, Investments 3, ,464 3, , Temporary Investments Commitments and contingencies a. Rupiah 9,010,442 1,128, ,139,359 4,094,671 4, ,099,686 b. Foreign currencies 2,468, ,468,174 1,992, ,992, Foreclosed Assets 20,293-45,739 7,048 17,753 90,832 54,137-36,484 15,357 13, ,205

9 EARNING ASSETS QUALITY AND OTHER INFORMATION Pass Special Mention Substandard Doubtful Loss TOTAL Pass Special Mention Substandard Doubtful Loss TOTAL III. OTHER INFORMATION 1. Bank's Assets Pledged as Collateral a. To Bank Indonesia - - b. To other parties - - Total Allowance for impairment 4,154,459 3,928, losses on financial assets 3. Total mandatory allowance for possible losses on Assets 3,849,982 2,771, Percentage of micro, small and medium scale business loans to total Loans 16.41% 20.05% 5. Percentage of micro, small scale business loans to total loans 10.17% 12.05% 6. Percentage of debtors from micro, small and medium scale business to total debtors 20.15% 30.13% 7. Percentage of debtors from micro, small scale business loans to total debtors 19.71% 29.54% 8. Others a. Chanelling loans - - b. Distribution of Mudharabah Muqayyadah funds - - c. Written-off of earning assets 127,683 95,232 d. Recovery of written-off earning assets 6,304 9,666 e. Written-off of earning assets (stop in collection) - - * point a and b include propety loans and/or restructured loans ALLOWANCES FOR POSSIBLE LOSSES Allowance for Impairment Compulsary Allowance for Possible Losses on Asset Allowance for Impairment Compulsary Allowance for Possible Losses on Asset Individual Collective General Specific Individual Collective General Specific 1. Placement with other banks 14,452 5,717 20,556 14,452 13,762 30,502 15,932 13, Spot and derivative receivables - - 2, , Marketable securities 15,000 26,972 26,972 15,000 15,000 13,109 17,603 15, Securities sold under repurchase agreements (repo) Securities purchased under resale agreements (reverse repo) Acceptance receivables , , Loans 1,507,638 2,154,282 1,181,645 2,132,484 1,097,161 2,230,088 1,014,185 1,248, Investments 899-2, , Temporary investments Off balance sheet transactions

10 CALCULATION OF ADEQUACY RATIO (in million Rupiah, except ratio in percentage) NO Bank CIMB Niaga Consolidated Bank CIMB Niaga Consolidated I. Components A. Core Capital 17,307,001 17,746,037 13,998,626 14,300, Paid-In Capital 1,612,257 1,612,257 1,612,257 1,612, Additional Capital Reserve 2.1. Addition factors a a. Shares Premium 8,100,875 8,100,875 8,100,875 8,100,875 b. Donated capital c. General reserves 351, , , ,538 d. Specific reserves e. Previous years profit (100%) 8,050,956 8,301,791 4,738,982 4,914,830 f. Current year profit (50%) 446, , , ,768 g. Positive difference from translation adjustments h. Capital paid in advances i. Issued Warrants (50%) j. Stock Options Program (50%) Deduction Factors a a. Shares discount b. Previous years losses (100%) c. Current year losses (100%) d. Negative difference from translation adjustments e. Other Comprehensive Income : Losses from decrease in fair value on Available for Sale Investments f. Negative difference between allowance for possible losses and allowance for impairment losses on earning assets g. Allowance for possible losses on non productive assets (39,360) (39,360) - - h. Negative difference on adjustment of fair value from financial instrument in trading book Innovative Capital a 3.1. Subordinated securities (perpetual non cumulative) Subordinated debts (perpetual non cumulative) Other innovative capital instruments Core Capital Deduction Factors a 4.1. Goodwill Other intangible assets Investments (50%) (101,129) (2,201) (75,378) Inadequacy capital of subsidiaries engaged in insurance (50%) Difference in restructuring value of transaction of entities under common control (1,115,121) (1,115,121) (1,115,121) (1,115,121) 6. Minority Interest - 68,007-71,906 B. Supplementary Capital 4,482,865 4,595,759 4,308,454 4,392, Upper Tier 2 a 1.1. Preferred stock (perpetual cumulative) Subordinated securities (perpetual cumulative) Subordinated debts (perpetual cumulative) Mandatory convertible bond Not allowed innovative capital Other upper tier Revaluation reserves of property, plant and equipment 114, , , , General allowance on earning assets (max. 1,25% of Risk Weighted Assets) 1,431,695 1,445,661 1,165,770 1,174, Other comprehensive income : gain from increase in fair value on available for Sale investments (45%) Lower Tier 2 (max. 50% of Core Capital) 2.1. Redeemable preference shares Allowed subordinated loans and debts 3,037,497 3,037,497 3,103,260 3,103, Others lower tier Supplementary Capital Deduction Factors 3.1. Investments (50%) (101,129) (2,201) (75,378) Inadequacy capital of subsidiaries engaged in insurance (50%) C. Core Capital and Supplementary Capital Deduction Factors Securitisation Exposures D. Allowable Additional Supplementary Capital (Tier 3 ) E. Additional Supplementary Capital Allocated for anticipating Market Risk II. Total Core Capital and Suplementary Capital (A+B-C) 21,789,866 22,341,796 18,307,080 18,693,065 III. Total Core Capital, Supplementary Capital, and Additional Supplementary Capital Allocated for Anticipating Market Risk ( A + B + C + E ) 21,789,866 22,341,796 18,307,080 18,693,065 IV. Credit Risk Weighted Assets a, c 122,760, ,387, ,490, ,081,321 V. Operational Risk Weighted Assets 15,948,388 15,948,388 14,684,264 14,684,264 VI. Market Risk Weighted Assets 1,806,122 1,806,122 1,126,499 1,126,499 VII. Capital Adequacy Ratio After Credit Risk and Operational Risk (II:(IV+V)) 15.71% 15.81% 14.51% 14.63% VIII. Capital Adequacy Ratio After Credit Risk and Operational Risk and Market Risk (III:(IV+V+VI)) b 15.51% 15.61% 14.38% 14.50% a. After deducting of credit risk weighted assets for credit risk in trading book marketable securities which calculates market risk (specific risk) for March 2012 b. Calculation of Capital Adequacy Ratio as of 31 March 2012 and 2011 in compliance with Bank Indonesia Regulation 10/15/PBI/2008 September 24, 2008 on "Capital Adequacy of Commercial Banks " c. As at 31 March 2012, credit risk weighted assets for credit risk counted based on Bank Indonesia's Circular Letter corcerning " 13/6/DPNP dated 18 February 2011, concerning "The guidelines of risk-weighted assets calculation accordance risk for credit risk with use standard approach"

11 Basic Loan Interest Rate (Prime Lending Rate) As of 31 March 2012 (% per year) Based on Business Segments Corporate Retail Consumer Loans Loans Loans Housing Loans Non Housing Loans Prime Lending Rate Notes: a. Prime Lending Rate (PLR) is not taking into account the risk premium component depend from banks against the risk assessment of each debtor. Thus, the magnitude of interest rates on loans charged to borrowers is not necessarily the same as PLR. b. In Consumer loans, non housing loans does not include the provision of funds through credit cards and loans without collateral c. PLR information at any time can be seen in publications in any office of the Bank and/or website ( d. Housing loans apply for a fixed tenor 1 (one) the first year.

12 FINANCIAL RATIOS ACCOUNT PROFITABILITY RATIO Consolidated 1. Capital Adequacy Ratio 15.61% 14.50% 2. Non-performing Earning and Non-Earning Assets to Total Earning and Non-Earning Assets 2.44% 2.70% 3. Non-performing earning assets to total earning assets 2.59% 2.77% 4. Allowance for impairment losses of financial assets to earning assets 2.77% 2.99% 5. NPL gross 2.69% 2.86% 6. NPL net 1.26% 1.47% 7. Return on Asset (ROA) 3.00% 2.65% 8. Return on Equity (ROE) 21.87% 22.68% 9. Net Interest Margin (NIM) 5.67% 5.51% 10. Operating Expenses to Operating Revenues 74.70% 76.94% 11. Loan to Deposit Ratio (LDR) 96.52% 90.31% Bank CIMB Niaga 1. Capital Adequacy Ratio 15.51% 14.38% 2. Non-performing Earning and Non-Earning Assets to Total Earning and Non-Earning Assets 2.47% 2.64% 3. Non-performing Earning Assets to Total Earning Assets 2.63% 2.71% 4. Allowance for impairment losses on financial assets to earning assets 2.80% 3.01% 5. NPL gross 2.73% 2.80% 6. NPL net 1.27% 1.39% 7. Return on Asset (ROA) 2.90% 2.70% 8. Return on Equity (ROE) 21.32% 23.39% 9. Net Interest Margin (NIM) 5.79% 5.49% 10. Operating Expenses to Operating Revenues 74.85% 75.64% 11. Loan to Deposit Ratio (LDR) 94.54% 89.19% COMPLIANCE-Bank CIMB Niaga 1. a. Violation of the Legal Lending Limit i. Related Parties - - ii. Third Parties - - b. Lending in Excess of the Legal Lending Limit i. Related Parties - - ii. Third Parties Statutory Reserves*) a. Primary statutory reserves 8.23% 8.09% b. Secondary statutory reserves 8.06% 5.04% 3. Net Open Position **) 2.02% 0.78% *) Calculation of Minimum Reserve Requirement (MRR) as of per 31 March 2012 and 2011 have been adjusted by Bank Indonesia Regulation 10/25/PBI/2008 dated 23 October 2008 regarding "Amendment to Bank Indonesia Regulation 10/19/PBI/2008 regarding Commercial Banks at Bank Indonesia in Rupiah and Foreign Exchange" with the latest amendment of PBI 13/10/PBI/2011 dated 9 February **) The calculation of PDN including account balance and account administration.

13 BOARD OF COMMISIONERS AND DIRECTORS SHAREHOLDERS Board of Commisioners Ultimate Shareholders i President Commissioner : Dato' Sri Nazir Razak 1 CIMB Group Holdings Berhad, Malaysia i Vice President Commissioner : Glenn Muhammad Surya Yusuf 1 (through CIMB Group Sdn Bhd, Malaysia) 96.92% i Commissioner : Roy Edu Tirtadji i Commissioner : Sri Hartina Urip Simeon 2 i Commissioner : Zulkifli M. Ali 2 Non ultimate shareholders (> 5 %) - i Commissioner : Ananda Barata 2 i Commissioner : Joseph Dominic Silva i Commissioner : Hamidah Naziadin Non ultimate Shareholders (< 5 %) 3.08% Directors i President Director i Vice President Director i Vice President Director i Director i Director i Director : Arwin Rasyid : D. James Rompas : V. Catherinawati Hadiman : Handoyo Soebali : Lydia Wulan Tumbelaka : Mohamed Fadzil Sulaiman i Director : Wan Razly Abdullah Ultimate Shareholder PT Bank CIMB Niaga Tbk i Director : Rita Mas'Oen Shareholders CIMB Group Holdings Berhad, Malaysia: i Director : Samir Gupta Khazanah Nasional Berhad, Malaysia 29.90% i Director : Megawati Sutanto Employee Provident Fund, Malaysia 11.65% i Director : Harjanto Tanuwidjaja 1 Others and public 58.45% 1 Will be effective after BI's approval 2 Concurrently as an Independent Commissioner Notes: 1 The published financial statements as at 31 March 2012 and for the three-month periods ended 31 March 2012 and 2011 were not audited by Public Accountant. The published financial statements as at 31 December 2011, have been prepared under the consolidated financial statements were audited by Public Accountant Office Tanudiredja, Wibisana & partners - a member firm of PricewaterhouseCoopers (person in charge: Drs. Muhammad Jusuf Wibisana, M.Ec., CPA), whose report dated 16 February 2012,expressed an unqualified opinion. 2 The financial information above is intended to meet and in accordance with: a. Bank Indonesia's Circular Letter 13/30/DPNP dated 16 December 2011, corcerning "Third amandment of Bank Indonesia's Circular Letter 3/30/DPNP dated 14 December 2001 concerning "Quarterly and Monthly Published Financial Statements of Commercial Banks as well as certain Reports Submitted to Bank Indonesia"; b. Bank Indonesia's Regulation 3/22/PBI/2001 dated 13 December 2001 which has been amanded with Bank Indonesia's Regulation 7/50/PBI/2005 dated 29 November 2005 concerning "Transparancy of Bank financial condition"; c. Regulation X.K.2 Decision of the Chairman. Kep-36/PM/2003 dated 30 September 2003 on "Reporting Obligations Periodic Financial". 3 Consolidated Financial Statements of Bank CIMB Niaga (parent only) for the date March 31, 2012 and December, and period ended 31 March 2012 and 2011 have been prepared on the basis of Statement of Financial Accounting Standards (SFAS) 4 (Revised 2009) effective on 1 January Consolidated Financial Statement of PT Bank CIMB Niaga Tbk (parent only) is additional financial information to consolidated financial statements of PT Bank CIMB Niaga and its Subsidiaries. 4 As at 31 July 2003, PT Bank CIMB Niaga Tbk executed a quasi-reorganisation and eliminated the deficit of Rp. 8,731,614 million against its additional paid-in capital. 5 Exchange as of 31 March 2012: 1 USD = Rp 9.144,- (31 March 2011: 1 USD = Rp 8.708,-) Jakarta, 26 April 2012 Arwin Rasyid President Director Wan Razly Abdullah Director