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 March 2018 and 31 December 2017 (in million Rupiah)

Transcription

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 March 2018 and 31 December 2017 Description 31-Mar-18 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 31-Dec-17 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 March 2018 and 31 December 2017 Description 31-Mar Dec-17 ASSETS LIABILITIES AND SHAREHOLDERS' EQUITY 1 Cash 856, ,889 1 Current accounts 24,313,554 26,007,035 2 Placement with Bank Indonesia 9,294,732 11,385,298 2 Saving accounts 16,821,794 16,585,123 3 Placement with other banks 2,982,629 3,055,875 3 Time deposits 77,886,525 68,675,437 4 Derivative receivables 285, ,131 4 Revenue sharing investment fund 2,109,672 2,173,077 5 Marketable securities 5 Loans from Bank Indonesia - - a. At fair value through profit or loss 3,953,505 3,888,543 6 Loans from other banks 4,823,486 5,039,058 b. Available for sale 27,622,599 22,784,372 7 Spot and derivative payables 280, ,441 c. Held to maturity Securities sold with repurchase agreement 87,099 - d. Loans and receivables 93, ,105 9 Acceptance payables 4,334,572 4,046,274 6 Securities sold with repurchase agreement Marketable securities issued 4,916,002 6,148,611 7 Securities purchased under resale agreement Borrowings Acceptance receivables 4,334,572 4,046, Security deposits 225, ,239 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 108,092, ,638, Other liabilities 3,362,838 2,893, Sharia financing 2,288,574 2,338, Profit sharing fund investment Investments Allowance for impairment losses of financial assets -/- TOTAL LIABILITIES 139,161, ,989,603 a. Marketable securities (19,425) (18,241) b. Loans (4,324,772) (4,159,614) Equity c. Others (57,910) (48,561) 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 3,051,408 3,012,979 c. Treasury shares -/- - - Accumulated depreciation of fixed assets and inventory -/- (604,005) (566,520) 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 473, ,982 c. Donation capital - - c. Suspend accounts 13,559 15,800 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 -/- (271) (299) b. Gain (loss) from changes in value of financial 17 Lease financing - - assets in the group of available for sale 53, , Deferred tax assets 513, ,472 c. Cash flow hedging Other assets 2,704,186 1,892,202 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 (37,818) (37,089) g. Income tax related to other comprehensive income (3,865) (22,083) h. Others Difference due to quasi reorganization - - TOTAL ASSETS 161,554, ,773, Reserves 21 Difference between entities under common control Other equity - - a. General reserves 2,050 2,050 b. Specific reserves Profit/loss a. Previous years 12,194,211 10,018,387 b. Current year 663,443 2,175,824 TOTAL SHAREHOLDERS EQUITY ATRIBUTABLE TO OWNER 22,393,145 21,784, Non controlling interest - - TOTAL EQUITY 22,393,145 21,784,354 TOTAL LIABILITIES AND SHAREHOLDERS EQUITY 161,554, ,773,

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 Three Month Periods Ended 31 March 2018 and 2017 (in million Rupiah, except Earnings per Share) N0. DESCRIPTION OPERATING INCOME AND EXPENSES A. Interest income and expenses 1 Interest income a. Rupiah 2,450,509 2,325,809 b. Foreign currencies 436, ,489 Total Interest income 2,887,084 2,684,298 2 Interest expenses a. Rupiah 1,273,732 1,210,299 b. Foreign currencies 61,949 61,074 Total Interest expenses 1,335,681 1,271,373 NET INTEREST INCOME 1,551,403 1,412,925 B. Non Interest Income and Expenses 1 Non Interest Income a. Increase in fair value of financial assets i. Marketable securities *) - 9,460 ii. Loans - - iii. Spot and derivatives *) 19,575 - iv. Other financial assets - - b. Decrease in fair value financial liabilities - - c. Gain on sale of financial assets i. Marketable securities *) 42,991 49,765 ii. Loans - - iii. Other financial assets - - d. Foreign exchange gain spot and derivatives (realised) *) 97, ,995 e. Dividend - - f. Gain from equity method investment - - g. Commission / provision / fees and administration 220, ,810 h. Reversal of impairment provisions 4,288 17,892 i. Other income 15,308 17,252 Total Non Interest Income 400, ,174 2 Operating Expenses excluding interest a. Decrease in fair value of financial assets i. Marketable securities *) 4,214 - ii. Loans - - iii. Spot and derivatives *) - 66,654 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 1, ii. Loans 166, ,493 iii. Sharia Financing 2,994 2,161 iv. Other financial assets 8,455 - f. Loss on operational risk g. Loss from equity method investment - - h. Commission / provision / fees and administration - - i. Allowance for impairment losses of other assets j. Personnel expenses 536, ,714 k. Promotion expenses 17,691 17,021 l. Other expenses 337, ,498 Total Operating Expenses excluding interest 1,074,634 1,102,258 Net operating income (expenses) excluding interest (673,961) (668,084) OPERATING INCOME (EXPENSES) 877, ,841 NON OPERATING INCOME (EXPENSES) 1 Gain (loss) on sale of fixed assets and inventory Gain (loss) on foreign exchange translation Non operating income (expenses) (93) 89 NON OPERATING INCOME (EXPENSES) INCOME BEFORE TAX 877, ,002 Income tax a. Current tax -/- 151, ,204 b. Deferred tax Income (expenses) (62,643) (32,989) NET INCOME AFTER TAX 663, ,809 OTHER COMPREHENSIVE INCOME 1 Items that will not be reclassified to profit or loss (548) 856 a. Revaluation surplus of fixed asset - - b. Remeasurement on defined benefit actuarial plan (729) 1,142 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 181 (286) 2 Items that will be reclassified to profit or loss (54,104) 90,389 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 (72,139) 120,519 c. The effective portion of cash flow hedges - - d. Others - - e. Income tax related items that will be reclassified to profit or loss 18,035 (30,130) Other comprehensive income current year - net income tax (54,652) 91,245 TOTAL COMPREHENSIVE INCOME 608, ,054 Net income for the year attributable to : Owner 663, ,809 Minority interest - - Total profit (loss) net current year 663, ,809 Total comprehensive income for the year attributable to : Owner 608, ,054 Minority interest - - Total income current year 608, ,054 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 The Three Month Periods Ended 31 March 2018 and 2017 Cash flows from operating activities: Interest and commissions received 2,818,238 2,713,195 Sharia income received 59,194 61,433 Interest paid (1,255,447) (1,231,200) Sharia expense paid (17,809) (32,488) Other revenues received 391, ,185 Other operational expenses paid (699,376) (500,676) Bad debt recoveries 1,301 1,503 Decrease / (Increase) in operating assets: Placement with other banks and Bank Indonesia 206,129 1,531,587 Marketable securities and government bonds trading portofolio and loans and receivables portfolio (751) (559,965) Loans (4,396,319) (1,133,384) Derivative receivables 5, Other assets (774,805) (1,219,663) Increase/(decrease) in operating liabilities: Deposits from customers 7,690,873 6,098,168 Deposits from other banks (223,531) 983,443 Securities sold under repurchase agreement 87,099 (1,169,094) Derivative liabilities and other liabilities 446,565 24,920 Payment of corporate income tax: - current year (238,990) (200,756) Net cash flows (used in) / provided from operating activities 4,099,020 5,700,346 Cash flows from investing activities: Acquisitions of fixed assets (45,176) (61,166) Proceeds from sale of fixed assets Purchase of marketable securities and government bonds available for sale (8,424,634) (5,800,298) Sale of marketable securities and government bonds available for sale 3,514,266 3,104,695 Net cash flows provided / (used in) from investing activities (4,954,999) (2,755,943) Cash flows from financing activities: Redemption of issuance of continuous Bond I Phase II Year 2015 Series B - (670,000) Redemption of issuance of continuous Bond I Phase II Year 2015 Series C (1,235,000) - Net cash flows provided / (used in) from financing activities (1,235,000) (670,000) Net increase / (decrease) in cash and cash equivalents (2,090,979) 2,274,403 Cash and cash equivalents at beginning of year 13,152,465 10,029,780 Cash and cash equivalents at end of period 11,061,486 12,304,183 Supplementary disclosures Cash and cash equivalents consist of: Cash 856, ,946 Current accounts with Bank Indonesia 9,223,448 8,535,275 Current accounts with other banks 813, ,332 Placement with other banks and Bank Indonesia 167,638 2,460,630 Total cash and cash equivalents 11,061,486 12,304,183

4 COMMITMENT AND CONTINGENCIES As at 31 March 2018 and 31 December 2017 No. DESCRIPTION 31-Mar Dec-17 I COMMITMENT RECEIVABLES 1. Undrawn borrowing facilities received a. Rupiah - - b. Foreign currencies 4,130,250 4,070, Outstanding spot and derivative position 49,539,721 41,647, Other Commitments - - Total Commitment Receivables 53,669,971 45,717,704 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 9,013,704 8,277,087 ii. Uncommitted 31,444,889 30,928, Undrawn loan facilities granted to other bank a. Committed i. Rupiah - - ii. Foreign currencies - - b. Uncommitted i. Rupiah 2,930 3,218 ii. Foreign currencies Outstanding irrevocable letters of credit a. Overseas L/C 2,631,597 3,372,769 b. Local L/C 563, , Outstanding spot dan derivative position 52,837,968 41,427, Others - - Total Commitment Payables 96,495,036 84,725,928 TOTAL COMMITMENTS - NET (42,825,065) (39,008,224) III CONTINGENT RECEIVABLES 1. Guarantees received a. Rupiah 211, ,583 b. Foreign currencies 1,767,063 1,879,464 b. Income from profit sharing a. Loan interest 591, ,063 b. Other interest Others - - Total Contingent Receivables 2,569,669 2,719,110 IV. CONTINGENT PAYABLES 1 Guaranteed issued 1. Bank guarantees a. Rupiah 3,546,326 3,568,807 b. Foreign currencies 798, , Others - - Total Contingent Payables 4,344,608 4,388,143 TOTAL CONTINGENCIES - NET (1,774,939) (1,669,033) - 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 March 2018 OCBC Overseas Investment Pte.Ltd % (Controlling shareholder) Others 14.92% *) Independent M A N A G E M E N T As at 31 March 2018

5 STATEMENTS OF ASSETS QUALITY AND OTHER INFORMATION 31 March 2018 and 2017 PT BANK OCBC NISP Tbk. BANK No Description 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 116, ,384 93, , Spot and derivative receivables a. Rupiah , ,208 b. Foreign currency 63, ,544 16, , 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 6, ,716 7, ,104 ii. Foreign currency b. Non small and medium business (Non SME) i. Rupiah 526, , , ,577 ii. Foreign currency 23, , , ,704 c. Restructured loans i. Rupiah ii. Foreign currency d. Property loans 135, , , , Investments Temporary investment Other receivables Commitment and contingencies a. Rupiah 4, , b. Foreign currency 64, ,224 58, , Foreclosed assets II. NON-RELATED PARTIES 1. Placement with other banks a. Rupiah 2,232, ,232,414 1,949, ,949,670 b. Foreign currency 633, , , , Spot and derivative receivables a. Rupiah 193, , , ,115 b. Foreign currency 28, ,344 5, , Marketable securities a. Rupiah 25,681, ,681,426 23,883, ,883,193 b. Foreign currency 5,988, ,988,571 6,219, ,219, 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 4,334, ,334,572 3,148,466 5, ,153,505

6 No BANK Description 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 16,547, ,052 18,670 22, ,552 17,439,064 11,224, ,599 11,366 68, ,512 11,853,492 ii. Foreign currency 543,941 5, , , , , ,264 b. Non small and medium business (Non SME) i. Rupiah 60,923,714 1,756,415 46,365 85,517 1,250,129 64,062,140 55,004,976 1,095, ,073 45,943 1,002,464 57,312,006 ii. Foreign currency 27,519, , ,186 27,760,948 23,490,635 52, ,896-46,921 23,742,184 c. Restructured loans i. Rupiah 858,740 1,019,921 3,826 25, ,874 2,459, , , ,063 3, ,993 1,656,865 ii. Foreign currency 552, , , , ,812 21, ,896-10, ,159 d. Property loans 20,418, ,718 39,079 49, ,075 21,328,883 14,669, ,776 20,752 24, ,354 15,217, Investments Temporary investment Other receivables 700, , ,776 17, , Commitments and contingencies a. Rupiah 4,100, ,100,296 3,244,673 4, ,249,058 b. Foreign currencies 3,439, ,440,171 3,528, ,528, Placement with Bank Indonesia 71, ,283 1,795, ,795, Foreclosed assets 277, ,982-2, , , ,361-4, ,383 OTHER INFORMATION 1. Collateralized Assets : a. To the Bank Indonesia - - b. To the other banks Total allowance for impairment of earning assets 4,402,107 3,315, Total required provision for possible losses on asset 2,769,095 2,429, Percentage loans to small medium enterprise to total loans 16.32% 12.88% 5. Percentage of micro debtor loans to the total loans 1.00% 0.88% 6. Percentage number of small medium enterprise debtors to total debtors 5.06% 4.40% 7. Percentage number of small business debtors to the total debtors 0.37% 0.39% 8. Others a. Credit channeling - - b. Mudharabah Muqayyadah funding - - c. Written-off Productive assets 943, ,796 d. Recovery from written off productive assets 9,357 1,503 e. Productive assets claims written-off 128, ,929 ALLOWANCE FOR POSSIBLE LOSSES As at 31 March 2018 and 2017 No Description 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 - 19,425 44, ,448 30, Securities sold under repurchase agreement (repo) Securities purchased under resell agreement (reverse repo) Acceptance receivables - 55,793 43, ,720 31, Loans 1,062,172 3,262,600 1,060,547 1,581, ,599 2,402, ,852 1,353, Investment Temporary investments Other receivables - 2,117 7, ,674 7, Commitments and contingent , ,

7 No. RATIO (%) STATEMENTS OF FINANCIAL RATIOS As at 31 March 2018 and 2017 Performance Ratio 1 Capital Adequacy Ratio 17.01% 18.23% 2 Non performing productive and non productive assets to the total productive and non productive assets 1.32% 1.39% 3 Non performing productive assets to the productive assets 1.26% 1.34% 4 Allowance for impairment losses of financial assets to productive assets 2.92% 2.49% 5 NPL - gross 1.72% 1.89% 6 NPL - net 0.66% 0.84% 7 Return on Asset (ROA) 2.18% 2.06% 8 Return on Equity (ROE) 12.26% 11.47% 9 Net Interest Margin (NIM) 4.24% 4.31% 10 Operating Expenses to Operating Income (BOPO) 73.19% 75.38% 11 Loan to Deposit Ratio (LDR) 91.13% 85.89% 12 Net Stable Funding Ratio (NSFR) % - 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% 6.51% b. Foreign Currencies Statutory Reserves 8.01% 8.03% 3 Net Open Position 6.25% 2.79%

8 F I N A N C I A L S T A T E M E N T I CORE CAPITAL (Tier 1) 21,877,019 19,830,815 1 Main Core Capital (CET 1) 21,877,019 19,830, Paid up Capital (After deducted treasury stock) 1,434,081 1,434, Additional Capital Reserve 20,955,985 18,703, Additional factors 20,987,427 18,735, Other Comprehensive Income 1,298,362 1,322, The excess of the financial statement translation Potential benefits of the increase in the fair value of financial assets available for sale 39,960 64, The balance of revaluation surplus 1,258,402 1,258, Additional reserves other capital (other disclosed reserves ) 19,689,065 17,412, Agio 6,829,361 6,829, General reserves 2,050 2, Profit previous years 12,194,211 10,018, Current year profit 663, , Fund capital injection Others Offsetting factors 31,442 31, Other Comprehensive Income Less difference translation of financial statements Potential losses from the decline in fair value of financial assets available for sale Additional reserves other capital (other disclosed reserves ) 31,442 31, 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 31,442 31, Others Non-Controlling Interests that can be calculated Less Factor Main Core Capital 513, , Deferred tax calculation 513, , 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) 1,263,023 1,118,644 1 Capital instruments in the form of shares or other eligible Tier 2-43,984 2 Agio atau disagio General reserve productive assets that should be formed (maks 1,25% Credit Risk Weighted Assets) 1,263,023 1,074,660 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 23,140,042 20,949,459 DESCRIPTION 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 March 2018 and 2017 D E S C R I P T I O N DESCRIPTION RISK WEIGHTED ASSETS CAR RWA CREDIT RISK 120,436, ,692,181 CET1 Ratio 16.08% 17.25% RWA MARKET RISK 3,082,913 1,619,075 Tier 1 Ratio 16.08% 17.25% RWA OPERATIONAL RISK 12,553,212 10,622,431 Tier 2 Ratio 0.93% 0.97% TOTAL RWA 136,072, ,933,687 Total Ratio 17.01% 18.23% CAR BASED ON RISK PROFILE 8.00% 8.00% CET 1 FOR BUFFER 9.01% 10.23% CAR ALLOCATION From CET1 7.07% 7.03% BUFFER PERCENTAGE SHOULD FULFILLED BY BANK Capital Conservation Buffer 1.875% 1.25% From AT1 0.00% 0.00% Countercyclical Buffer 0.00% 0.00% From Tier % 0.97% Capital Surcharge for D-SIB 0.75% 0.50%

9 No. TRANSACTION A. Related to exchange rate Purpose Derivative Receivable and Payable Trading Hedging Receivables Payables 1. Spot 8,526,116 8,526,116-6,046 7, Forward 3,871,056 3,871,056-21,508 11, Option a. Sold 463, , a. Bought 119, , Future Swap 26,150,211 26,150, , , Others B. Related to Interest Rate STATEMENTS OF SPOT AND DERIVATIVE TRANSACTIONS As at 31 March 2018 Notional Amount 1. Forward Option a. Sold b. Bought Future 3,373,038 3,373, Swap 8,117,632 8,117,632-65,399 66, Others C. Others TOTAL 50,621,028 50,621, , ,389

10 Notes : - The Financial Statements has been prepared based on the unaudited financial statements as at 31 March 2018 and 2017 and audited financial position as at 31 December 2017 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, S.E., Ak., CPA dated 25 January 2018 with an Unmodified Opinion, with some adjustments to comply with Financial Service Authority (OJK) Regulation No.32/POJK.03/2016 dated 8 August 2016 regarding amendment of Financial Service Authority (OJK) Regulation No. 6/POJK.3/2015 and Circular Letter of Financial Service Authority (OJK) Regulation No.43/SEOJK.03/2016 dated 28 September Foreign Exchange Rate USD as at 31 March 2018 : 1 USD = Rp. 13, March 2017 : 1 USD = Rp ,50 31 December 2017 : 1 USD = Rp ,50

11 BALANCE SHEETS 31 March 2018 dan 31 December 2017 No. Description 31-Mar Dec-17 ASSETS 1 Cash 972 1,609 2 Placements with Bank Indonesia 133, ,255 3 Placements with other banks Marketable securities 374, ,943 5 Financing receivables 2,175 2,551 6 Profit sharing financing 2,286,399 2,335,856 7 Leased financing Other productive assets Allowance for impairment losses on earning assets a. Individual (2,003) (2,003) b. Collective (23,716) (21,569) 10 Fixed assets and inventory Non productive assets 4,274 4, Allowance for impairment losses on other assets Other assets 20,666 21,186 TOTAL ASSETS 2,797,013 3,048,106 No. Description 31-Mar Dec-17 LIABILITIES 1 Deposit funds Wadiah 831, ,836 2 Non Profit Sharing Investment Funds 1,278,166 1,360,242 3 Liabilities to Bank Indonesia Liabilities to other bank 120, ,245 5 Securities Issued Other Liabilities 8,638 8,062 7 Profit Sharing Investment Funds Business Funds 548, ,891 9 Accumulated Gain/(loss) 10,534 56,830 TOTAL LIABILITIES 2,797,013 3,048,106 STATEMENTS OF INCOME For The Three Month Periods Ended 31 March 2018 and 2017 No. Description Operating Income and Expenses A. Operating Income and Expenses of the Disbursement 1 Financing Income 59,194 61,433 a. Income from receivables b. Income from profit sharing 52,536 45,007 c. Others 6,589 16,316 2 Profit Sharing To Owners of Investment Fund 17,809 32,488 a. Non profit sharing 17,809 32,488 b. Profit sharing Income after profit sharing distribution 41,385 28,945 B. Operating Income and Expenses other than Financing 1 Other Operating Income 6,896 10,318 a. Income as mudharib in mudharabah muqayyadah - - b. Commission / provision / fee and administration 3,433 3,867 c. Other income 3,463 6,451 2 Other Operating Expenses 38,789 33,525 a. Wadiah bonus 7,065 7,219 b. Impairment losses of financial assets (impairment) 2,994 2,161 c. Loss on operational risk - -

12 d. Commission / provision / fee and administration - - e. Impairment losses on other assets (non-financial) - - f. Personnel expenses 2,137 2,503 g. Other expenses 26,593 21,642 3 Others Operating Income (Expenses) (31,893) (23,207) OPERATING INCOME (EXPENSES) 9,492 5,738 NON OPERATING INCOME (EXPENSES) 1 Gain (loss) on sale of fixed assets and fixtures Gain (loss) on foreign exchange translation Non operating income (expenses) (1,911) (2,148) Non Operating Income (Expense) (1,911) (2,148) PROFIT/ (LOSS) BEFORE TAX FOR THE PERIOD ENDED 7,581 3,590 Income tax - - PROFIT/ (LOSS) NET OF TAX 7,581 3,590 OTHER COMPREHENSIVE INCOME 1 Items that will not be reclassified to profit or loss Items that will be reclassified to profit or loss (897) 2,280 Other comprehensive income current year - net income tax (897) 2,280 TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE YEAR 6,684 5,870 Financial Ratio Report 31 March 2018 dan 2017 No. Description 1 Total sharia business units assets to total conventional bank assets which owned UUS 1.73% 2.25% 2 Non performing earning assets to total earning assets 2.12% 1.82% 3 Allowance for Impairment Losses (CKPN) financial assets to productive assets 0.97% 0.89% 4 NPF gross 2.47% 2.24% 5 NPF net 1.91% 1.71% 6 Return On Assets (ROA) 1.08% 0.46% 7 Profit sharing financing to total financing 99.90% 99.78% 8 Financing to Deposit Ratio (FDR) % 55.42% COMMITMENTS AND CONTINGENCIES As at 31 March 2018 and 31 December 2017 No. Description 31-Mar Dec-17 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 17,259 15, Others - - IV Contingent liabilities 1. Guarantees issued Others - -

13 DISTRIBUTION TABLE FOR PROFIT SHARING 31 March 2018 AVERAGE REVENUE OWNER PORTION OF FUNDS No. 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 2,288,574 13, B. Funding 1 Demand deposits Wadiah a. Bank % b. Non Bank 18, % 2 Demand deposits Mudharabah a. Bank % % b. Non Bank 125,972 1,499 15% % 3 Saving Wadiah a. Bank 4, % b. Non Bank 843, , % 4 Saving Mudharabah a. Bank % % b. Non Bank 224, % % 5 Time deposit Mudharabah a. Bank - 1 month 115,228 1,035 42% % - 3 months months months b. Non Bank - 1 month 710,309 7,924 42% 3, % - 3 months 184,879 2,052 42% % - 6 months 25, % % - 12 months 5, % % T O T A L 2,258,908 13,786-7,508 -

14 Notes : - Based on the Decision letter of Deputy Governor of Bank Indonesia No.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 No. 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 No. 10/SEOJK.03/2017 on Transparency and Publication Reports Sharia Commercial Bank and Sharia Business Unit. Jakarta, 26 April 2018 Dr. Muhammad Anwar Ibrahim Andrae Krishnawan W Sharia Supervisory Board Director