F I N A N C I A L S T A T E M E N T F O R E I G N E X C H A N G E & P U B L I C L I S T E D B A N K

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1 F I N A N C I A L S T A T E M E N T N0. S T A T E M E N T S O F F I N A N C I A L P O S I T I O N As at 31 December 2017 and F O R E I G N E X C H A N G E & P U B L I C L I S T E D B A N K S T A T E M E N T S O F F I N A N C I A L P O S I T I O N As at 31 December 2017 and 2016 N ASSETS LIABILITIES AND SHAREHOLDERS' EQUITY 1 Cash 989, ,749 1 Current accounts 26,007,035 24,373,409 2 Placement with Bank Indonesia 11,385,298 8,333,546 2 Saving accounts 16,585,123 15,571,904 3 Placement with other banks 3,055,875 3,612,662 3 Time deposits 68,675,437 61,076,532 4 Derivative receivables 291, ,939 4 Revenue sharing investment fund 2,173,077 2,538,115 5 Marketable securities 5 Loans from Bank Indonesia - - a. At fair value through profit or loss 3,888,543 1,608,158 6 Loans from other banks 5,039,058 2,605,836 b. Available for sale 22,784,372 24,924,913 7 Spot and derivative payables 141, ,318 c. Held to maturity Securities sold with repurchase agreement - 1,345,723 d. Loans and receivables 158, ,196 9 Acceptance payables 4,046,274 3,513,459 6 Securities sold with repurchase agreement Marketable securities issued 6,148,611 3,898,991 7 Securities purchased under resale agreement Borrowings - 879,371 8 Acceptance receivables 4,046,274 3,513, Security deposits 280, ,241 9 Loans 13 Inter-office liabilities a. At fair value through to profit or loss - - a. Conduct operational activity in Indonesia - - b. Available for sale - - b. Conduct operational activity outside Indonesia - - c. Held to maturity Deferred tax liabilities - - d. Loans and receivables 103,638,862 91,443, Other liabilities 2,893,308 2,381, Sharia financing 2,338,408 1,614, Profit sharing fund investment Investments Allowance for impairment losses of financial assets -/- TOTAL LIABILITIES 131,989, ,689,765 a. Marketable securities (18,241) (6,762) b. Loans (4,159,614) (3,114,987) Equity c. Others (48,561) (28,810) 17 Paid in capital 13 Intangible assets - - a. Authorised capital 3,500,000 3,500,000 Accumulated amortisation of intangible assets -/- - - b. Unpaid up capital -/- (2,065,919) (2,065,919) 14 Fixed assets and inventory 3,012,979 2,987,170 c. Treasury shares -/- - - Accumulated depreciation of fixed assets and inventory -/- (566,520) (573,183) 18 Additional paid-in capital 15 Non productive assets a. Share premium 6,829,361 6,829,361 a. Abandoned properties - - b. Share discount -/- - - b. Foreclosed assets 511, ,129 c. Donation capital - - c. Suspend accounts 15,800 10,537 d. Capital deposits funds - - d. Inter-office assets e. Others - - i. Conduct operational activity in Indonesia Other comprehensive income ii. Conduct operational activity outside Indonesia - - a. Adjustment due to financial statement translation Allowance for impairment losses of other assets -/- (299) (342) b. Gain (loss) from changes in value of financial 17 Lease financing - - assets in the group of available for sale 125,421 (34,947) 18 Deferred tax assets 557, ,025 c. Cash flow hedging Other assets 1,892,202 1,653,965 d. Revaluation surplus of fixed assets 1,258,402 1,258,402 e. Part of other comprehensive income from association entity - - f. Remeasurement on defined actuarial program (37,089) (12,661) g. Income tax related to other comprehensive income (22,083) 11,902 h. Others Difference due to quasi reorganization - - TOTAL ASSETS 153,773, ,196, Reserves 21 Difference between entities under common control Other equity - - a. General reserves 2,050 1,950 b. Specific reserves Profit/loss - a. Previous years 10,018,387 8,228,588 b. Current year 2,175,824 1,789,900 TOTAL SHAREHOLDERS EQUITY ATRIBUTABLE TO OWNER 21,784,354 19,506, Non controlling interest - - TOTAL EQUITY 21,784,354 19,506,576 TOTAL LIABILITIES AND SHAREHOLDERS EQUITY 153,773, ,196,

2 F I N A N C I A L S T A T E M E N T F O R E I G N E X C H A N G E & P U B L I C L I S T E D B A N K STATEMENTS OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME For The Years Ended 31 December 2017 and 2016 (in million Rupiah, except Earnings per Share) N0. DESCRIPTION OPERATING INCOME AND EXPENSES A. Interest income and expenses 1 Interest income a. Rupiah 9,478,945 8,868,637 b. Foreign currencies 1,558,226 1,335,704 Total Interest income 11,037,171 10,204,341 2 Interest expenses a. Rupiah 4,739,229 4,592,006 b. Foreign currencies 258, ,048 Total Interest expenses 4,997,916 4,811,054 NET INTEREST INCOME 6,039,255 5,393,287 B. Non Interest Income and Expenses 1 Non Interest Income a. Increase in fair value of financial assets i. Marketable securities *) - - ii. Loans - - iii. Spot and derivatives *) - 77,244 iv. Other financial assets - - b. Decrease in fair value financial liabilities - - c. Gain on sale of financial assets - i. Marketable securities *) 322, ,891 ii. Loans - - iii. Other financial assets - - d. Foreign exchange gain spot and derivatives (realised) *) 523, ,859 e. Dividend - - f. Gain from equity method investment - - g. Commission / provision / fees and administration 835, ,532 h. Reversal of impairment provisions 39, ,072 i. Other income 66,309 45,792 Total Non Interest Income 1,786,787 1,539,390 2 Operating Expenses excluding interest a. Decrease in fair value of financial assets i. Marketable securities *) 4,249 3,067 ii. Loans - - iii. Spot and derivatives *) 203,299 - iv. Other financial assets - - b. Increase in fair value financial liabilities ( Mark to Market ) - - c. Loss on sale of financial assets - - i. Marketable securities *) - - ii. Loans - - iii. Other financial assets - - d. Loss on spot and derivatives transaction (realized) *) - - e. Allowance for Impairment losses of financial assets - i. Marketable securities 13,440 3,123 ii. Loans 1,310,367 1,421,901 iii. Sharia Financing 8, iv. Other financial assets 18,922 - f. Loss on operational risk 521 4,968 g. Loss from equity method investment - - h. Commission / provision / fees and administration - - i. Allowance for impairment losses of other assets j. Personnel expenses 1,993,501 1,829,915 k. Promotion expenses 102,010 98,395 l. Other expenses 1,293,813 1,228,143 Total Operating Expenses excluding interest 4,948,515 4,590,216 Net operating income (expenses) excluding interest (3,161,728) (3,050,826) OPERATING INCOME (EXPENSES) 2,877,527 2,342,461 NON OPERATING INCOME (EXPENSES) 1 Gain (loss) on sale of fixed assets and inventory 2 2,087 2 Gain (loss) on foreign exchange translation Non operating income (expenses) 125 6,554 - NON OPERATING INCOME (EXPENSES) 127 8,641 INCOME BEFORE TAX 2,877,654 2,351,102 Income tax a. Current tax -/- 923, ,497 b. Deferred tax Income (expenses) 221, ,295 NET INCOME AFTER TAX 2,175,824 1,789,900 OTHER COMPREHENSIVE INCOME 1 Items that will not be reclassified to profit or loss (18,321) 1,268,443 a. Revaluation surplus of fixed asset - 1,258,402 b. Remeasurement on defined benefit actuarial plan (24,428) 13,387 c. Part of other comprehensive income of associates entity - - d. Others - - e. Income tax related items that will not be reclassified to profit or loss 6,107 (3,346) 2 Items that will be reclassified to profit or loss 120,275 36,886 a. Adjustments due to the translation of financial statements in foreign currency - - b. Gain (loss) from changes in the value of financial assets available for sale 160,367 49,182 c. The effective portion of cash flow hedges - - d. Others - - e. Income tax related items that will be reclassified to profit or loss (40,092) (12,296) - Other comprehensive income current year - net income tax 101,954 1,305,329 TOTAL COMPREHENSIVE INCOME 2,277,778 3,095,229 Net income for the year attributable to : Owner 2,175,824 1,789,900 Minority interest - - Total profit (loss) net current year 2,175,824 1,789,900 Total comprehensive income for the year attributable to : Owner 2,277,778 3,095,229 Minority interest - - Total income current year 2,277,778 3,095,229 TRANSFER OF PROFIT (LOSS) TO THE HEAD OFFICE - - DIVIDEND - - BASIC EARNINGS PER SHARE *) Disclosed as net

3 F I N A N C I A L S T A T E M E N T CASH FLOWS STATEMENTS FOR YEARS ENDED 31 DECEMBER 2017 and 2016 Cash flows from operating activities: Interest and commissions received 10,804,844 9,795,343 Sharia income received 246, ,472 Interest paid (4,893,010) (4,677,534) Sharia expense paid (96,623) (114,881) Other revenues received 1,523,602 1,401,349 Other operational expenses paid (3,108,227) (2,896,459) Bad debt recoveries 8,057 10,290 Decrease / (Increase) in operating assets: Placement with other banks and Bank Indonesia 519,580 (2,156,858) Marketable securities and government bonds trading portofolio and loans and receivables (2,245,295) (239,967) Loans (12,986,769) (7,483,620) Derivative receivables 60, ,901 Other assets (535,769) (535,749) Increase/(decrease) in operating liabilities: Deposits from customers 9,880,712 16,279,716 Deposits from other banks 2,470,946 1,028,494 Securities sold under repurchase agreement (1,345,723) 1,345,723 Derivative liabilities and other liabilities 295,126 (512,052) Payment of corporate income tax: - current year (865,910) (703,908) - prior year (72,588) (80,627) Net cash flows (used in) / provided from operating activities (339,906) 10,886,633 Cash flows from investing activities: Acquisitions of fixed assets (206,112) (232,281) Proceeds from sale of fixed assets 3,942 11,760 Purchase of marketable securities and government bonds available for sale (13,627,915) (20,208,064) Sale of marketable securities and government bonds available for sale 15,928,825 5,773,726 Net cash flows provided / (used in) from investing activities 2,098,740 (14,654,859) Cash flows from financing activities: Proceeds from issuance of Continuous Bond II Phase II Year 2017 Series A 1,248,000 - Proceeds from issuance of Continuous Bond II Phase II Year 2017 Series B 300,000 - Proceeds from issuance of Continuous Bond II Phase II Year 2017 Series C 454,000 - Continuous Bond II Phase II Year 2017 issuance cost (5,387) - Proceeds from issuance of Continuous Bond II Phase III Year 2017 Series A 975,000 - Proceeds from issuance of Continuous Bond II Phase III Year 2017 Series B 175,000 - Proceeds from issuance of Continuous Bond II Phase III Year 2017 Series C 609,000 - Continuous Bond II Phase III issuance cost (4,762) - Redemption of issuance of continuous Bond II Phase I Year 2016 Series A (837,000) - Redemption of issuance of continuous Bond I Phase II Year 2015 Series B (670,000) - Redemption of Subordinated Bond III (880,000) - Proceed from issuance of Continuous Bond II Phase I Year ,000,000 Redemption of continuous Bond I Phase I Year 2013 series C - (1,498,000) Redemption of continuous Bond I Phase II Year 2015 series A - (1,095,000) Redemption of Medium Term Notes I - (900,000) Repayment of borrowings - (2,757,000) Continuous Bond II Phase I Year 2016 isuance cost - (7,250) Net cash flows provided / (used in) from financing activities 1,363,851 (4,257,250) Net increase / (decrease) in cash and cash equivalents 3,122,685 (8,025,476) Cash and cash equivalents at beginning of year 10,029,780 18,055,256 Cash and cash equivalents at end of period 13,152,465 10,029,780 Supplementary disclosures Cash and cash equivalents consist of: Cash 989, ,749 Current accounts with Bank Indonesia 8,905,976 8,018,546 Current accounts with other banks 698, ,592 Placement with other banks and Bank Indonesia 2,557, ,893 Total cash and cash equivalents 13,152,465 10,029,780

4 COMMITMENT AND CONTINGENCIES As at 31 December 2017 and 2016 DESCRIPTION I COMMITMENT RECEIVABLES 1. Undrawn borrowing facilities received a. Rupiah - - b. Foreign currencies 4,070,250 4,041, Outstanding spot and derivative position 41,647,454 28,201, Other Commitments - - Total Commitment Receivables 45,717,704 32,243,392 II COMMITMENTS PAYABLES 1 1. Undrawn loan facilities granted to customers a. State-owned enterprises i. Committed - Rupiah Foreign currencies - - ii. Uncommitted - Rupiah Foreign currencies - - b. Others i. Committed 8,277,087 7,191,946 ii. Uncommitted 30,928,108 36,669, Undrawn loan facilities granted to other bank a. Committed i. Rupiah - - ii. Foreign currencies - - b. Uncommitted i. Rupiah 3,218 3,253 ii. Foreign currencies Outstanding irrevocable letters of credit a. Overseas L/C 3,372,769 3,002,456 b. Local L/C 717, , Outstanding spot dan derivative position 41,427,280 27,738, Others - 404,175 Total Commitment Payables 84,725,928 75,336,226 TOTAL COMMITMENTS - NET (39,008,224) (43,092,834) III CONTINGENT RECEIVABLES 1. Guarantees received a. Rupiah 310, ,502 b. Foreign currencies 1,879,464 3,251,042 b. Income from profit sharing a. Loan interest 529, ,036 b. Other interest Others - - Total Contingent Receivables 2,719,110 4,029,580 IV. CONTINGENT PAYABLES 1 Guaranteed issued 1. Bank guarantees a. Rupiah 3,568,807 3,257,103 b. Foreign currencies 819,336 1,122, Others - - Total Contingent Payables 4,388,143 4,379,481 TOTAL CONTINGENCIES - NET (1,669,033) (349,901) - President Commissioner : Pramukti Surjaudaja - Deputy President Commissioner : Peter Eko Sutioso *) - Commissioner : Samuel Nag Tsien - Commissioner : Jusuf Halim *) - Commissioner : Kwan Chiew Choi *) - Commissioner : Lai Teck Poh (Dua Teck Poh) - Commissioner : Hardi Juganda *) - Commissioner : Betti S. Alisjahbana *) DIRECTORS - President Director : Parwati Surjaudaja - Director : Yogadharma Ratnapalasari - Director : Rama Pranata Kusumaputra - Director : Emilya Tjahjadi - Director : Hartati *) - Director : Martin Widjaja - Director : Andrae Krishnawan W - Director : Johannes Husin - Director : Low Seh Kiat - Director : Joseph Chan Fook Onn S H A R E H O L D E R S As at 31 December 2017 OCBC Overseas Investment Pte.Ltd % (Controlling shareholder) Others 14.92% *) Independent M A N A G E M E N T As at 31 December 2017

5 STATEMENTS OF ASSETS QUALITY AND OTHER INFORMATION 31 December 2017 and 2016 PT BANK OCBC NISP Tbk. BANK No Current Special Mention Substandard Doubtful Loss Total Current Special Mention Substandard Doubtful Loss Total I. RELATED PARTIES 1. Placement with other banks a. Rupiah b. Foreign currency 109, , , , Spot and derivative receivables a. Rupiah , ,703 b. Foreign currency 63, ,724 7, , Marketable securities a. Rupiah b. Foreign currency Securities sold with repurchase agreement (repo) a. Rupiah b. Foreign currency Securities purchased with resell agreement (reverse repo) a. Rupiah b. Foreign currency Acceptance receivables Loans a. Micro debtors Small and medium business (SME) i. Rupiah 5, ,552 6, ,206 ii. Foreign currency b. Non small and medium business (Non SME) i. Rupiah 671, , , ,379 ii. Foreign currency 602, , , ,253 c. Restructured loans i. Rupiah ii. Foreign currency d. Property loans 152, , , , Investments Temporary investment Other receivables Commitment and contingencies a. Rupiah b. Foreign currency 64, ,626 56, , Foreclosed assets II. NON-RELATED PARTIES 1. Placement with other banks a. Rupiah 2,500, ,500,468 3,235, ,235,436 b. Foreign currency 446, , , , Spot and derivative receivables a. Rupiah 222, , , ,246 b. Foreign currency 4, ,306 10, , Marketable securities a. Rupiah 19,710, ,710,280 17,900, ,900,033 b. Foreign currency 7,120, ,120,740 8,700, ,128 8,826, Securities sold with repurchase agreement (repo) a. Rupiah b. Foreign currencies Securities purchased with resell agreement (reverse repo) a. Rupiah b. Foreign currencies Acceptance receivables 4,046, ,046,274 3,502,215 11, ,513,459

6 No BANK Current Special Mention Substandard Doubtful Loss Total Current Special Mention Substandard Doubtful Loss Total 7. Loans a. Micro debtors Small and medium business (SME) i. Rupiah 16,741, ,272 25,755 23, ,084 17,520,694 10,641, ,632 66,379 82, ,195 11,151,936 ii. Foreign currency 565,683 3,744 8,273-5, , , , ,411 b. Non small and medium business (Non SME) i. Rupiah 56,990,175 1,597, , ,063 1,126,784 59,931,587 55,109,599 1,037,408 51, ,686 1,041,212 57,350,391 ii. Foreign currency 26,345, , ,960 26,662,090 22,859,832 55, ,103-47,439 23,116,401 c. Restructured loans i. Rupiah 873, ,092 73,462 19, ,720 2,372, , ,554 5,215 52, ,246 1,545,300 ii. Foreign currency 470, , , , ,663 22, ,102-10, ,961 d. Property loans 20,310, ,942 23,168 22, ,694 21,149,364 16,172, ,401 23,575 33, ,900 16,761, Investments Temporary investment Other receivables 227, , ,520 15, , Commitments and contingencies a. Rupiah 4,268,811 5, ,274,340 3,572,533 2, ,356 3,577,810 b. Foreign currencies 4,204, ,204,038 4,075, ,075, Placement with Bank Indonesia 2,479, ,479, , , Foreclosed assets 291, ,931-2, , , , ,130 OTHER INFORMATION 1. Collateralized Assets : a. To the Bank Indonesia - - b. To the other banks Total allowance for impairment of earning assets 4,226,416 3,150, Total required provision for possible losses on asset 2,386,876 2,269, Percentage loans to small medium enterprise to total loans 17.09% 12.43% 5. Percentage of micro debtor loans to the total loans 1.05% 0.90% 6. Percentage number of small medium enterprise debtors to total debtors 5.21% 4.40% 7. Percentage number of small business debtors to the total debtors 0.38% 0.42% 8. Others a. Credit channeling - - b. Mudharabah Muqayyadah funding - - c. Written-off Productive assets 935, ,128 d. Recovery from written off productive assets 8,057 10,290 e. Productive assets claims written-off 127, ,723 ALLOWANCE FOR POSSIBLE LOSSES As at 31 December 2017 and No Allowance for Impairment Provision required Allowance for Impairment Provision required Individual Collective General Specific Individual Collective General Specific 1. Placement with other banks , , Spot and derivative receivable - - 2, , Marketable securities - 18,241 41, ,762 24, , Securities sold under repurchase agreement (repo) Securities purchased under resell agreement (reverse repo) Acceptance receivables - 48,033 40, ,694 35, Loans 1,025,284 3,134,330 1,018,287 1,166, ,904 2,170, ,679 1,060, Investment Temporary investments Other receivables , ,116 1, Commitments and contingent , ,053 2,503

7 RATIO (%) STATEMENTS OF FINANCIAL RATIOS As at 31 December 2017 and 2016 Performance Ratio 1 Capital Adequacy Ratio 17.51% 18.28% 2 Non performing productive and non productive assets to the total productive and non productive assets 1.40% 1.50% 3 Non performing productive assets to the productive assets 1.33% 1.46% 4 Allowance for impairment losses of financial assets to productive assets 2.95% 2.46% 5 NPL - gross 1.79% 1.88% 6 NPL - net 0.72% 0.77% 7 Return on Asset (ROA) 1.96% 1.85% 8 Return on Equity (ROE) 10.66% 9.85% 9 Net Interest Margin (NIM) 4.47% 4.62% 10 Operating Expenses to Operating Income (BOPO) 77.07% 79.84% 11 Loan to Deposit Ratio (LDR) 93.42% 89.86% COMPLIANCE 1 a. Percentage in breach of legal lending limit i. Related parties - - ii. Non related parties - - b. Percentage in excess of legal lending limit i. Related parties - - ii. Non related parties Statutory Reserves a. IDR Statutory Reserves 6.51% 6.56% b. Foreign Currencies Statutory Reserves 8.01% 8.26% 3 Net Open Position 3.50% 1.22%

8 F I N A N C I A L S T A T E M E N T F O R E I G N E X C H A N G E & P U B L I C L I S T E D B A N K CAPITAL ADEQUACY RATIO (CAR) As at 31 December 2017 and 2016 D E S C R I P T I O N I CORE CAPITAL (Tier 1) 21,219,397 19,145,254 1 Main Core Capital (CET 1) 21,219,397 19,145, Paid up Capital (After deducted treasury stock) 1,434,081 1,434, Additional Capital Reserve 20,342,788 18,081, Additional factors 20,378,090 18,108, Other Comprehensive Income 1,352,468 1,258, The excess of the financial statement translation Potential benefits of the increase in the fair value of financial assets available for sale 94, The balance of revaluation surplus 1,258,402 1,258, Additional reserves other capital (other disclosed reserves ) 19,025,622 16,849, Agio 6,829,361 6,829, General reserves 2,050 1, Profit previous years 10,018,387 8,228, Current year profit 2,175,824 1,789, Fund capital injection Others Offsetting factors 35,302 27, Other Comprehensive Income - 26, Less difference translation of financial statements Potential losses from the decline in fair value of financial assets available for sale - 26, Additional reserves other capital (other disclosed reserves ) 35, Disagio Loss previous years Current year loss Allowance less difference between assets and reserves for impairment losses on earning assets The difference is less amount of fair value adjustment of financial instruments in the Trading Book Allowance for non-productive assets shall be established 35, Others Non-Controlling Interests that can be calculated Less Factor Main Core Capital 557, , Deferred tax calculation 557, , Goodwill Other intangible assets Investments are accounted for as a deduction Shortage of capital on insurance company subsidiary Securitization exposure Offsetting Factors other core capital Placement of funds on the instrument AT 1 and / or Tier 2 other banks Cross-ownership in another entity acquired by the transition because of the law, grants, or grants will Additional Core Capital (AT-1) Instruments that meet the requirements AT Agio / Disagio Additional Core Capital Reduction Factor Placement of funds on the instrument AT 1 and / or Tier 2 other banks Cross-ownership in another entity acquired by the transition because of the law, grants, or grants will - - II Supplementary Capital (Tier 2) 1,220,577 1,160,435 1 Capital instruments in the form of shares or other eligible Tier 2-87,937 2 Agio atau disagio General reserve productive assets that should be formed (maks 1,25% Credit Risk Weighted Assets) 1,220,577 1,072,498 4 Offsetting Factors supplementary capital Sinking Fund Placement of funds in Tier 2 instruments with other banks Cross-ownership in another entity acquired by the transition because of the law, grants, or grants will - - Total Capital 22,439,974 20,305,689 DESCRIPTION DESCRIPTION RISK WEIGHTED ASSETS CAR RWA CREDIT RISK 115,433, ,476,360 CET1 Ratio 16.56% 17.24% RWA MARKET RISK 2,107, ,963 Tier 1 Ratio 16.56% 17.24% RWA OPERATIONAL RISK 10,622,431 8,860,547 Tier 2 Ratio 0.95% 1.04% TOTAL RWA 128,164, ,058,870 Total Ratio 17.51% 18.28% CAR BASED ON RISK PROFILE 8.00% 9.65% CET 1 FOR BUFFER 9.51% 8.63% CAR ALLOCATION From CET1 7.05% 8.61% BUFFER PERCENTAGE SHOULD FULFILLED BY BANK Capital Conservation Buffer 1.250% 0.625% From AT1 0.00% 0.00% Countercyclical Buffer 0.00% 0.000% From Tier % 1.04% Capital Surcharge for D-SIB 0.50% 0.250%

9 TRANSACTION A. Related to exchange rate Purpose Derivative Receivable and Payable Trading Hedging Receivables Payables 1. Spot 4,150,016 4,150,016-2,002 1, Forward 2,944,654 2,944,654-6,706 15, Option a. Sold 42,877 42, a. Bought 321, , Future Swap 25,071,347 25,071, ,722 93, Others B. Related to Interest Rate STATEMENTS OF SPOT AND DERIVATIVE TRANSACTIONS As at 31 December 2017 Notional Amount 1. Forward Option a. Sold b. Bought Future 1,356,750 1,356, Swap 5,730,794 5,730,794-27,925 29, Others C. Others TOTAL 39,618,204 39,618, , ,441

10 Notes : - The Published Financial Statements has been prepared based on the audited financial statements as at 31 December 2017 and 2016 and for the years ended at that date, with some adjustments to comply with Financial Service Authority (OJK) Regulation 32/POJK.03/2016 dated 8 August 2016 regarding amendment of Financial Service Authority (OJK) Regulation 6/POJK.3/2015 and Circular Letter of Financial Service Authority (OJK) Regulation 43/SEOJK.03/2016 dated 28 September 2016, also to comply with Rule of Capital Market and Financial Institution Supervisory Board (Bapepam-LK) X.K.2, Attachment of Decision of Chairman of Bapepam-LK Kep-346/BL/2011 dated 5 July 2011 regarding Submission of Periodic Financial Statements for Issuers or Public Companies. Financial Statements Information and Statements of Cash Flows included in the Published Financial Statements have also been prepared in accordance with Capital Market and Financial Institution Supervisory Board regulation VIII.G.7, Attachment of Decision of Chairman of Capital Market and Financial Institution Supervisory Board Kep-347/BL/2012 dated 25 June Presentation of the above Published Financial Statements as at and for the year ended 31 December 2017 and 2016 are derived from the Financial Statements of PT Bank OCBC NISP Tbk which were audited by the Public Accountant Firm of Tanudiredja, Wibisana, Rintis & Rekan - a member firm of PwC global network with the partner in charge: Lucy Luciana Suhenda, SE, Ak, CPA whose report dated 25 January 2018 and 25 January 2017 with an Unmodified Opinion. - Foreign Exchange Rate USD as at 31 December 2017 : 1 USD = Rp. 13, Exchange Rate USD as at 31 December 2016 : 1 USD = Rp. 13,472.50

11 BALANCE SHEETS 31 December 2017 dan 2016 ASSETS 1 Cash 1,609 2,419 2 Placements with Bank Indonesia 120, ,344 3 Placements with other banks Marketable securities 585, ,676 5 Financing receivables 2,551 3,949 6 Profit sharing financing 2,335,856 1,610,340 7 Leased financing Other productive assets Allowance for impairment losses on earning assets a. Individual (2,003) (6,703) b. Collective (21,569) (9,268) 10 Fixed assets and inventory Non productive assets 4,278 7, Allowance for impairment losses on other assets - (1) 13 Other assets 21,186 25,053 TOTAL ASSETS 3,048,106 2,802,653 LIABILITIES 1 Deposit funds Wadiah 812, ,199 2 Non Profit Sharing Investment Funds 1,360,242 1,913,916 3 Liabilities to Bank Indonesia Liabilities to other bank 188,245 4,311 5 Securities Issued Other Liabilities 8,062 10,442 7 Profit Sharing Investment Funds Business Funds 621, ,955 9 Accumulated Gain/(loss) 56,830 43,830 TOTAL LIABILITIES 3,048,106 2,802,653 STATEMENTS OF INCOME For The Years Ended 31 December 2017 and 2016 Operating Income and Expenses A. Operating Income and Expenses of the Disbursement 1 Financing Income 246, ,472 a. Income from receivables b. Income from profit sharing 195, ,808 c. Others 50,724 51,151 2 Profit Sharing To Owners of Investment Fund 96, ,881 a. Non profit sharing 96, ,881 b. Profit sharing Income after profit sharing distribution 149, ,591 B. Operating Income and Expenses other than Financing 1 Other Operating Income 50,195 22,042 a. Income as mudharib in mudharabah muqayyadah - - b. Commission / provision / fee and administration 28,488 15,596 c. Other income 21,707 6,446 2 Other Operating Expenses 139,647 90,780 a. Wadiah bonus 31,561 17,002 b. Impairment losses of financial assets (impairment) 8, c. Loss on operational risk - -

12 d. Commission / provision / fee and administration - - e. Impairment losses on other assets (non-financial) - - f. Personnel expenses 10,955 11,127 g. Other expenses 88,792 62,011 3 Others Operating Income (Expenses) (89,452) (68,738) OPERATING INCOME (EXPENSES) 60,258 50,853 NON OPERATING INCOME (EXPENSES) 1 Gain (loss) on sale of fixed assets and fixtures Gain (loss) on foreign exchange translation Non operating income (expenses) (7,278) (6,746) Non Operating Income (Expense) (7,278) (6,746) PROFIT/ (LOSS) BEFORE TAX FOR THE PERIOD ENDED 52,980 44,107 Income tax - - PROFIT/ (LOSS) NET OF TAX 52,980 44,107 Financial Ratio Report 31 December 2017 dan Total sharia business units assets to total conventional bank assets which owned UUS 1.98% 2.03% 2 Non performing earning assets to total earning assets 1.50% 1.39% 3 Allowance for Impairment Losses (CKPN) financial assets to productive assets 0.81% 0.69% 4 NPF gross 1.88% 1.98% 5 NPF net 1.40% 1.55% 6 Return On Assets (ROA) 1.74% 1.70% 7 Profit sharing financing to total financing 99.89% 99.76% 8 Financing to Deposit Ratio (FDR) % 63.60% COMMITMENTS AND CONTINGENCIES As at 31 December 2017 and 2016 I Commitment receivables 1. Financing facilities undrawn Outstanding buying spot and forward contract Others - - II Commitment liabilities 1. Unused Financing facilities Others - - III Contingent receivables 1. Guarantees received Margin receivables on non performing assets 15,237 10, Others - - IV Contingent liabilities 1. Guarantees issued Others - -

13 REPORT SOURCE AND DISTRIBUTION OF ZAKAT FUND 31 December 2017 dan Beginning balance of Zakat funds Source of Zakat funds: a. Internal UUS - - b. Eksternal UUS Distribution of Zakat funds to Zakat administrator entities a. Lembaga Amil Zakat - - b. Badan Amil Zakat Increase/(decrease) Zakat funds Ending Balance Zakat funds - - REPORT SOURCE AND DISTRIBUTION OF QARDH FUND 31 December 2017 dan The source of Qardh fund at the beginning of the period 1, Reciept of Qardh fund b. Infaq - - b. Shadaqah - - c. Qardh fund productive refund - - d. Penalties 785 1,051 e. Non-halal receipt - - f. Others - - Total receipt 785 1,051 3 Distribution of Qardh fund a. Productive Qardh fund - - b. Donation - - c. Other distribution for public interest Total distribution Increase/(decrease) in Qardh fund Source of Qardh fund at the end period 1,295 1,182 STATEMENTS OF CHANGES IN BOUND INVESTMENT 31 December 2017 dan 2016 Portofolio A Portofolio B TOTAL Information in Beginning of the period Beginning Balance Information during period a. Receipt of Fund b. Withdrawal of Fund c. Gain/(Loss) on Investments d. Expenses / Cost f. Fee / Bank Acceptance Information at Ending period Ending Balance DISTRIBUTION TABLE FOR PROFIT SHARING 31 December 2017 dan 2016 AVERAGE REVENUE OWNER PORTION OF FUNDS TYPE OF FUNDING BALANCE TO BE NISBAH TOTAL BONUS RATE OF DISTRIBUTED % & PROFIT SHARING RETURN INDICATION % A B C D E = (D/A * 100%) *12 A. Financing 1 Bank Non Bank 2,338,408 15, B. Funding 1 Demand deposits Wadiah a. Bank % b. Non Bank 23, % 2 Demand deposits Mudharabah a. Bank % % b. Non Bank 97,533 1,161 15% % 3 Saving Wadiah a. Bank 3, % b. Non Bank 852, , % 4 Saving Mudharabah a. Bank % % b. Non Bank 185, % % 5 Time deposit Mudharabah a. Bank - 1 month 185,229 1,633 42% % - 3 months months months b. Non Bank - 1 month 802,679 8,987 42% 3, % - 3 months 202,078 2,253 42% % - 6 months 37, % % - 12 months 4, % % T O T A L 2,393,903 15,314-8,170 -

14 Notes : - Based on the Decision letter of Deputy Governor of Bank Indonesia 11/11/Kep.DpG/2009 dated 8 September 2009 regarding approval in conducting sharia bussiness unit, Bank OCBC NISP started its banking activities based on the sharia principles on 12 October December 2005 as amended with Circular Letter of Bank Indonesia 8/11/DPbs dated 7 March 2006 regarding Annual Report, Quarterly and Monthly Published Financial Statements and Certain Report submitted to Bank Indonesia as amended by the Financial Services Authority Circular 10/SEOJK.03/2017 on Transparency and Publication Reports Sharia Commercial Bank and Sharia Business Unit. Jakarta, 31 January 2018 Dr. Muhammad Anwar Ibrahim Andrae Krishnawan W Sharia Supervisory Board Director