ASSETS ,547 3,

Transcription

1 BALANCE SHEET Per - December 211 and December 21 (AUDITED) CONSOLIDATION Dec 211 Dec 21 Dec 211 Dec 21 ASSETS 1. Cash 4,547 3, Placement to Bank Indonesia 576,314 98, Interbank placement 192,88 1,51,97 4. Spot and derivatives claims 5,163 1, Securities 4,83 66,787 a. Measured at fair value through profit and loss b. Available for sale c. Hold to maturity 4,83 66,787 d. Loan and receivables 6. Securities sold under repurchase agreement (repo) 7. Claims on securities bought under reverse repo 8. Acceptance claims 194,798 11,44 9. Loans 4,235,39 3,169,84 a. Measured at fair value through profit and loss b. Available for sale c. Hold to maturity d. Loan and receivables 4,235,39 3,169,84 1. Sharia financing 1) 11. Equity investment 12. Impairment on financial assets -/- 27, ,665 a. Securities 1,2 1,212 b. Loans 255, ,439 c. Others 14,57 1, Intangible assets 1,822 1,774 Accumulated amortisation on intangible assets -/- 1,73 1, Fixed assets and equipment 22,83 22,37 Accumulated depreciation on fixed assets and equipment -/- 18,266 17, Non Productive Asset 3,991 18,227 a. Abandoned property b. Foreclosed assets c. Suspense accounts d. Interbranch assets 3,991 18,227 a. Conducting operational activities in Indonesia b. Conducting operational activities outside Indonesia 3,991 18, Imparment on Non Financial Assets -/- 17. Leasing 3) 18. Deferred tax assets 15,267 8, Other assets 54,824 38,157 TOTAL ASSETS 5,84,498 4,46,945

2 BALANCE SHEET Per - December 211 and December 21 (AUDITED) CONSOLIDATION Dec 211 Dec 21 Dec 211 Des 21 LIABILITIES AND EQUITIES LIABILITIES 1. Current account 437, , Saving account 3. Time deposit 321,65 447,94 4. Revenue sharing investment 1) 5. Liabilities to Bank Indonesia 6. Interbank liabilities 61,786 5,16 7. Spot and derivatives liabilities Liabilities on securities sold under repurchase agreement 9. Acceptance liabilities 194,798 11,44 1. Issued securities 11. Loans received a. Loans calculated as capital b. Other loans received 12. Margin deposit 59,854 23, Interbranch liabilities 2,634,34 1,983,182 a. Conducting operational activities in Indonesia b. Conducting operational activities outside Indonesia 2,634,34 1,983, Deferred tax liabilities 15. Other liabilities 53,173 43, Profit Sharing investment 1) TOTAL LIABILITIES 3,763,248 3,19,635 EQUITIES 17. Paid in capital 754, ,175 a. Capital 754, ,175 b. Unpaid capital -/- c. Treasury stock -/- 18. Additional paid in capital a. Agio b. Disagio -/- c. Donated capital d. Fund for paid up capital e. Others 19. Other comprehensive gain (loss) a. Translation adjustment from foreign currency b. Gain (loss) on value changes of financial assets categorized as available for sale c. Effective portion of cash flow hedge d. Difference in fixed asset revaluation e. Portion of other comprehensive income from associates f. Gain (loss) on defined benefit actuarial program g. Income tax of other comprehensive income h. Others 2. Difference in quasi-reorganization 4) 21. Difference in restructuring under common control 5) Other Equity 23. Reserves a. General reserves b. Appropriated reserves 24. Gain/loss 567,75 462,135 a. Previous years 462, ,47 b. Current year 14,94 18,665 TOTAL EQUITIES ATTRIBUTABLE TO OWNERS 1,321,25 1,216, Minority interest 6) - - TOTAL EQUITIES 1,321,25 1,216,31 TOTAL LIABILITIES AND EQUITIES 5,84,498 4,46,945

3 INCOME STATEMENT Per - December 211 and December21 (AUDITED) CONSOLIDATION Dec 211 Dec 21 Dec 211 Dec 21 OPERATIONAL INCOME AND EXPENSES A. Interest income and expenses 1. Interest income 257, ,566 a. Rupiah 137, ,217 b. Foreign currency 12,13 17, Interest expenses 48,564 44,465 a. Rupiah 17,874 18,956 b. Foreign currency 3,69 25,59 Net interest income (expenses) 29, ,11 B. Operational Income and Expenses Other than Interest 1. Operational Income Other than Interest 27,519 22,74 a. Positive mark to market on financial assets i. Securities ii. Loans iii. Spot and derivatives iv. Other financial assets b. Negative mark to market on financial liabilities c. Gain on sale of financial assets i. Securities ii. Loans iii. Other financial assets d. Gain on spot and derivatives (realised) 1,984 6,64 e. Gain on investment under equity method e. Dividend g. Comission/provision/fee and administration 14,743 13,6 h. Recovery of asset impairment i. Other income 1,792 1,87 2. Operational Expenses Other than Interest 62,81 32,212 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) e. Impairment of financial assets 26,725 (1,33) i. Securities 386 (534) ii. Loans 14,624 (52) iii. Sharia financing 11, iv. Other financial assets f. Losses on operational risk *) g. Losses on investment under equity method h. Commission/provision/fee, and administration i. Impairment of other assets (non financial assets) j. Personnel expenses 19,171 16,913 k. Promotion expenses l. Other expenses 16,716 16,22 Net Operational Income (Expenses) Other than Interest (35,291) (1,138) OPERATIONAL PROFIT (LOSS) 174,1 181,963 N OPERATIONAL INCOME (EXPENSES) 1. Gain (loss) on sale of fixed assets and equipment Gain (loss) on foreign exchange translation (216) 3. Other non operational income (expenses) 1, N OPERATIONAL PROFIT (LOSS) 1, CURRENT YEAR PROFIT (LOSS) 175, ,513

4 INCOME STATEMENT Per - December 211 and December21 (AUDITED) CONSOLIDATION Dec 211 Dec 21 Dec 211 Dec Income taxes 7,646 73,848 a. Estimated current year tax 77,271 66,226 b. Deferred tax income (expenses) 6,625 (7,622) NET PROFIT (LOSS) 14,94 18,665 OTHER COMPREHENSIVE INCOME a. Translation adjustment from foreign currency b. Gain (loss) on value changes of financial assets categorized as available for sale c. Effective portion of cash flow hedge d. Gain on fixed asset revaluation e. Portion of other comprehensive income from associates f. Gain (loss) on defined benefit actuarial program g.income tax of other comprehensive income h. Others Other comprehensive income of the current year - net of applicable income tax CURRENT YEAR TOTAL COMPREHENSIVE PROFIT 14,94 18,665 Profit attributable to : OWNER 14,94 18,665 MIRITY INTEREST - - CURRENT YEAR TOTAL PROFIT 14,94 18,665 Total comprehensive profit attributable to : OWNER 14,94 18,665 MIRITY INTEREST - - CURRENT YEAR TOTAL COMPREHENSIVE PROFIT 14,94 18,665 TRANSFER OF PROFIT(LOSS) TO HEAD OFFICE DIVIDEND NET EARNINGS (LOSS) PER SHARE ***)

5 COMMITMENTS AND CONTINGENCIES Per - December 211 and December 21 (AUDITED) CONSOLIDATION Dec 211 Dec 21 Dec 211 Dec 21 I. COMMITTED CLAIMS 295,72 212, Unused borrowing a. Rupiah b. Foreign currency Outstanding spot and derivatives (purchased) 295,72 212, Others II. COMMITED LIABILITIES 2,425,21 2,67, Undisbursed loan facilities to debtors 1,884,579 1,58, a. BUMN i. Committed Rupiah Foreign Currency ii. Uncommitted Rupiah Foreign Currency b. Others 1,884,579 1,58, i. Committed 1,884,579 1,549,4 - - ii. Uncommitted - 31, Undisbursed loan facilities to other banks a. Committed Rupiahs Foreign Currency b. Uncommitted Rupiahs Foreign Currency Outstanding irrevocable L/C 289, , a. Foreign L/C 289,613 16, b. Local L/C 72 4, Outstanding spot and derivatives (sold) 25, , Others III. CONTINGENT CLAIMS 52,749 46, Received guarantees a. Rupiah b. Foreign currency Accrued interest 52,749 46, a. Loan interest 52,749 46, b. Other interest Others IV. CONTINGENT LIABILITIES 231,78 177, Issued guarantees 231,78 177, a. Rupiah 84,672 67, b. Foreign currency 147,36 19, Others

6 EARNING ASSET QUALITY AND OTHER INFORMATIONS Per - December 211 and 21 Des 211 Dec 21 C SM S D L TOTAL C SM S D L TOTAL RELATED PARTIES Interbank placement a.rupiah b.foreign currency Spot dan derivative claims a.rupiah b.foreign currency Securities a.rupiah b.foreign currency Securities sold under repurchase agreement (repo) a.rupiah b.foreign currency Claims on securities bought under reverse repo a.rupiah b.foreign currency Acceptance claims Loans a.micro, small and medium enterprises (UMKM) i.rupiah ii.foreign currency b.non micro, small and medium enterprises (UMKM) i.rupiah ii.foreign currency c.restructured loans i.rupiah ii.foreign currency d.loan on property Equity investment Temporary equity investment Commitment and contingencies

7 EARNING ASSET QUALITY AND OTHER INFORMATIONS Per - December 211 and 21 Des 211 Dec 21 C SM S D L TOTAL C SM S D L TOTAL a.rupiah b.foreign currency Foreclosed assets N-RELATED PARTIES Interbank placement 192, ,856 1,51,946 1,51,946 a.rupiah b.foreign currency 192, ,756 1,51,846 1,51,846 Spot dan derivative claims 5,163 5,163 1,765 1,765 a.rupiah b.foreign currency 5,163 5,163 1,765 1,765 Securities 38,791 2,39 4,83 61,641 5,146 66,787 a.rupiah 38,791 38,791 58,24 58,24 b.foreign currency 2,39 2,39 3,41 5,146 8,547 Securities sold under repurchase agreement (repo) a.rupiah b.foreign currency Claims on securities bought under reverse repo a.rupiah b.foreign currency Acceptance claims 194, ,798 11,44 11,44 Loans 3,984,856 26,89 43, ,992 4,234,186 2,938,957 1,1 229,139 3,169,196 a.micro, small and medium enterprises (UMKM) 4,44 4, i.rupiah 3,238 3, ii.foreign currency 36,86 36, b.non micro, small and medium enterprises (UMKM) 3,944,812 26,89 43, ,992 4,194,142 2,938,64 1,1 229,139 3,168,843 i.rupiah 1,183,478 1,183,478 1,186,635 1,1 1,187,735 ii.foreign currency 2,761,334 26,89 43, ,992 3,1,664 1,751, ,139 1,981,18 c.restructured loans 26,497 65,519 92,16 34,991 1,1 72,333 18,424 i.rupiah 4,975 1,1 6,75 ii.foreign currency 26,497 65,519 92,16 3,16 72,333 12,349 d.loan on property

8 EARNING ASSET QUALITY AND OTHER INFORMATIONS Per - December 211 and 21 Des 211 Dec 21 C SM S D L TOTAL C SM S D L TOTAL Equity investment Temporary equity investment Commitment and contingencies 2,45, ,45,972 1,856,485 12,768 1,869,253 a.rupiah 167, , , ,616 b.foreign currency 2,237, ,238,326 1,78,869 12,768 1,721,637 Foreclosed assets OTHER INFORMATION 1. Assets pledged as collateral a. To Bank Indonesia b. To other parties Impairment provision on earning assets , , Required regulatory provision on assets , , Percentage of loans to micro, small, and medium enterprises (UMKM) to total loans Percentage of loans to micro and small enterprises (UMK) to total loans 6. Percentage of micro, small, and medium enterprises (UMKM) debtor to total debtor Percentage of micro and small enterprises (UMK) debtor to total debtor 8. Others a. Channeling b. Mudharabah Muqayyadah c. Written off earning assets d. Written off earning assets that has been re-collected e. Charged off earning assets

9 IMPAIRMENT LOSS ALLOWANCE Per - December 211 and 21 Des 211 Des 21 Impairment Loss Allowance Required Regulatory Impairment Loss Allowance Required Regulatory Individual Collective General Spesific Individual Collective General Spesific 1. Interbank placement 2. Spot dan derivative claims 3. Securities 1,2 1,2 1,212 1, Securities sold under repurchase agreement (repo) 5. Claims on securities bought under reverse repo 6. Acceptance claims 14,57 1,69 12,88 1,14 1,14 7. Loans 176,992 76,229 39,968 22,128 16,89 84,549 29,396 2, Equity investment 9. Temporary equity investment 1. Commitment and contigencies

10 SPOT AND DERIVATIVE TRANSACTIONS Per - December 211 and Desember 21 TRANSACTION Contract value with Purpose Derivative Claims & Liabilities Trading Hedging Claims Liabilities A. Exchanged Rate Related 546, ,157 5, Spot 21,577 21, Forward 231, ,432 2, Option a. Purchased b. Written 4. Future 5. Swap 293, ,168 2, Other B. Interest Rate Related 1. Forward 2. Option a. Purchased b. Written 3. Future 4. Swap 5. Other C. Others TOTAL 546, ,157 5,

11 CAPITAL ADEQUACY Per - December 211 and December21 CONSOLIDATION Dec 211 Dec 21 Dec 211 Dec I. COMPONENTS Net inter office fund 2,36,153 1,64, Net inter office fund 1,65, , Paid up capital 754, , Reserves General reserves Specific reserves Previous years profit (loss) which can be calculated into capital (1%) 426, , Current year profit which can be calculated into capital (loss) (5%) 49,157 54, Fund for paid up capital Other comprehensive income : losses from equity investment for - - available for sale category (1%) Other comprehensive income : Gain from equity investment for - - available for sale category (45%) Receives of Fixed assets revaluation (45%) Differences between regulatory provision and impairment of earning assets Required regulatory provision on non productive assets Differences on adjustment of fair value on financial instrument in the trading book General provision of earning assets (maximum 1,25% of RWA) 67,642 52, Capital deduction factor Exposure on securitisation II. FOREIGN CAPITAL 2,93,111 2,87, III. RISK WEIGHTED ASSET (RWA) FOR CREDIT RISK *) 5,52,797 4,18, IV.RISK WEIGHTED ASSET (RWA) FOR OPERATIONAL RISK 41, , V. RISK WEIGHTED ASSET (RWA) FOR MARKET RISK 24,137 35, VI. CAPITAL ADEQUACY RATIO FOR CREDIT RISK, OPERATIONAL RISK AND MARKET RISK [II : (III + IV + V)] - -

12 FINANCIAL RATIO Per - December 211 and December 21 (In Percent) Des 211 Desember-21 I. Capital 1. CAR Non performing earning assets and non earning assets to total earning assets and non earning assets 3. Non performing earning assets and non earning assets Impairment provision on earning assets to total earning assets 5. Gross NPL Net NPL ROA ROE NIM Operating Expenses to Operating Revenues LDR II. Compliance 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 2. Reserve Requirement (Rupiahs) a. Reserve Requirement (Rupiah) b. Reserve Requirement (Foreign currency) Net Open Position.5.18

13 OWNERS AND MANAGEMENT Per - Desember 211 and 21 MANAGEMENT OWNERS 1 CHALIT TAYJASANANT 1 BANGKOK PCL, BANGKOK-THAILAND 1% 2 JOKO CHAHJO 3 ANWAR MUNAF