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 30 September 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 30 September 2018 and 31 December 2017 Description 30-Sep-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 30 September 2018 and 31 December 2017 Description 30-Sep Dec-17 ASSETS LIABILITIES AND SHAREHOLDERS' EQUITY 1 Cash 869, ,889 1 Current accounts 23,324,751 26,007,035 2 Placement with Bank Indonesia 7,866,298 11,385,298 2 Saving accounts 20,200,530 16,585,123 3 Placement with other banks 2,404,839 3,055,875 3 Time deposits 72,417,196 68,675,437 4 Derivative receivables 293, ,131 4 Revenue sharing investment fund 2,502,013 2,173,077 5 Marketable securities 5 Loans from Bank Indonesia - - a. At fair value through profit or loss 2,446,926 3,888,543 6 Loans from other banks 5,735,798 5,039,058 b. Available for sale 23,730,489 22,784,372 7 Spot and derivative payables 906, ,441 c. Held to maturity Securities sold with repurchase agreement 1,883,664 - d. Loans and receivables 225, ,105 9 Acceptance payables 4,329,658 4,046,274 6 Securities sold with repurchase agreement Marketable securities issued 5,345,814 6,148,611 7 Securities purchased under resale agreement Borrowings 149,025-8 Acceptance receivables 4,329,658 4,046, Security deposits 180, ,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 116,672, ,638, Other liabilities 3,488,827 2,893, Sharia financing 2,851,845 2,338, Profit sharing fund investment Investments Allowance for impairment losses of financial assets -/- TOTAL LIABILITIES 140,464, ,989,603 a. Marketable securities (20,641) (18,241) b. Loans (4,616,956) (4,159,614) Equity c. Others (51,215) (48,561) 17 Paid in capital 13 Intangible assets - - a. Authorised capital 6,250,000 3,500,000 Accumulated amortisation of intangible assets -/- - - b. Unpaid up capital -/- (3,381,838) (2,065,919) 14 Fixed assets and inventory 3,208,537 3,012,979 c. Treasury shares -/- - - Accumulated depreciation of fixed assets and inventory -/- (677,996) (566,520) 18 Additional paid-in capital 15 Non productive assets a. Share premium 5,395,280 6,829,361 a. Abandoned properties - - b. Share discount -/- - - b. Foreclosed assets 610, ,982 c. Donation capital - - c. Suspend accounts 16,699 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 -/- (253) (299) b. Gain (loss) from changes in value of financial 17 Lease financing - - assets in the group of available for sale (255,319) 125, Deferred tax assets 533, ,472 c. Cash flow hedging Other assets 3,302,503 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 (39,277) (37,089) g. Income tax related to other comprehensive income 73,649 (22,083) h. Others Difference due to quasi reorganization - - TOTAL ASSETS 163,994, ,773, Reserves 21 Difference between entities under common control Other equity - - a. General reserves 2,150 2,050 b. Specific reserves Profit/loss a. Previous years 12,194,112 10,018,387 b. Current year 2,033,293 2,175,824 TOTAL SHAREHOLDERS EQUITY ATRIBUTABLE TO OWNER 23,530,452 21,784, Non controlling interest - - TOTAL EQUITY 23,530,452 21,784,354 TOTAL LIABILITIES AND SHAREHOLDERS EQUITY 163,994, ,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 Nine Month Periods Ended 30 September 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 7,626,291 7,038,850 b. Foreign currencies 1,373,440 1,135,186 Total Interest income 8,999,731 8,174,036 2 Interest expenses a. Rupiah 3,990,962 3,519,193 b. Foreign currencies 233, ,436 Total Interest expenses 4,224,884 3,708,629 NET INTEREST INCOME 4,774,847 4,465,407 B. Non Interest Income and Expenses 1 Non Interest Income a. Increase in fair value of financial assets i. Marketable securities *) 6,809 4,836 ii. Loans - - iii. Spot and derivatives *) 67,511 - iv. Other financial assets - - b. Decrease in fair value financial liabilities - - c. Gain on sale of financial assets i. Marketable securities *) 19, ,775 ii. Loans - - iii. Other financial assets - - d. Foreign exchange gain spot and derivatives (realised) *) 215, ,161 e. Dividend - - f. Gain from equity method investment - - g. Commission / provision / fees and administration 635, ,463 h. Reversal of impairment provisions 12,038 17,383 i. Other income 46,793 51,683 Total Non Interest Income 1,003,545 1,366,301 2 Operating Expenses excluding interest a. Decrease in fair value of financial assets i. Marketable securities *) - - ii. Loans - - iii. Spot and derivatives *) - 180,714 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 2,353 4,098 ii. Loans 429, ,789 iii. Sharia Financing 13,499 7,759 iv. Other financial assets - 22,014 f. Loss on operational risk 1, g. Loss from equity method investment - - h. Commission / provision / fees and administration - - i. Allowance for impairment losses of other assets j. Personnel expenses 1,566,693 1,480,682 k. Promotion expenses 57,830 59,469 l. Other expenses 1,020, ,186 Total Operating Expenses excluding interest 3,092,037 3,622,264 Net operating income (expenses) excluding interest (2,088,492) (2,255,963) OPERATING INCOME (EXPENSES) 2,686,355 2,209,444 NON OPERATING INCOME (EXPENSES) 1 Gain (loss) on sale of fixed assets and inventory Gain (loss) on foreign exchange translation Non operating income (expenses) 760 (37) NON OPERATING INCOME (EXPENSES) 1, INCOME BEFORE TAX 2,688,066 2,209,483 Income tax a. Current tax -/- 534, ,777 b. Deferred tax Income (expenses) (119,784) 24,176 NET INCOME AFTER TAX 2,033,293 1,668,882 OTHER COMPREHENSIVE INCOME 1 Items that will not be reclassified to profit or loss (1,642) 2,569 a. Revaluation surplus of fixed asset - - b. Remeasurement on defined benefit actuarial plan (2,187) 3,426 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 545 (857) 2 Items that will be reclassified to profit or loss (285,553) 154,674 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 (380,739) 206,232 c. The effective portion of cash flow hedges - - d. Others - - e. Income tax related items that will be reclassified to profit or loss 95,186 (51,558) Other comprehensive income current year - net income tax (287,195) 157,243 TOTAL COMPREHENSIVE INCOME 1,746,098 1,826,125 Net income for the year attributable to : Owner 2,033,293 1,668,882 Minority interest - - Total profit (loss) net current year 2,033,293 1,668,882 Total comprehensive income for the year attributable to : Owner 1,746,098 1,826,125 Minority interest - - Total income current year 1,746,098 1,826,125 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 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 COMMITMENT AND CONTINGENCIES As at 30 September 2018 and 31 December 2017 No. DESCRIPTION 30-Sep Dec-17 I COMMITMENT RECEIVABLES 1. Undrawn borrowing facilities received a. Rupiah 2,000,000 - b. Foreign currencies 4,470,750 4,070, Outstanding spot and derivative position 50,360,523 41,647, Other Commitments - - Total Commitment Receivables 56,831,273 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 10,304,714 8,277,087 ii. Uncommitted 32,595,463 30,928, Undrawn loan facilities granted to other bank a. Committed i. Rupiah - - ii. Foreign currencies - - b. Uncommitted i. Rupiah 1,100 3,218 ii. Foreign currencies Outstanding irrevocable letters of credit a. Overseas L/C 2,849,287 3,372,769 b. Local L/C 807, , Outstanding spot dan derivative position 50,307,295 41,427, Others - - Total Commitment Payables 96,865,553 84,725,928 TOTAL COMMITMENTS - NET (40,034,280) (39,008,224) III CONTINGENT RECEIVABLES 1. Guarantees received a. Rupiah 235, ,583 b. Foreign currencies 1,918,648 1,879,464 b. Income from profit sharing a. Loan interest 710, ,063 b. Other interest Others - - Total Contingent Receivables 2,864,405 2,719,110 IV. CONTINGENT PAYABLES 1 Guaranteed issued 1. Bank guarantees a. Rupiah 3,334,423 3,568,807 b. Foreign currencies 786, , Others - - Total Contingent Payables 4,120,963 4,388,143 TOTAL CONTINGENCIES - NET (1,256,558) (1,669,033) - President Commissioner : Pramukti Surjaudaja - Deputy President Commissioner : Peter Eko Sutioso *) - Commissioner : Samuel Nag Tsien - Commissioner : Lai Teck Poh (Dua Teck Poh) - Commissioner : Jusuf Halim *) - Commissioner : Kwan Chiew Choi *) - Commissioner : Hardi Juganda *) - Commissioner : Betti S. Alisjahbana *) DIRECTORS - President Director : Parwati Surjaudaja - Director : Emilya Tjahjadi - Director : Hartati *) - Director : Martin Widjaja - Director : Andrae Krishnawan W - Director : Johannes Husin - Director : Low Seh Kiat - Director : Joseph Chan Fook Onn - Director : Mirah D. Wiryoatmodjo S H A R E H O L D E R S As at 30 September 2018 OCBC Overseas Investment Pte.Ltd % (Controlling shareholder) Others 14.92% *) Independent M A N A G E M E N T As at 30 September 2018

4 F I N A N C I A L S T A T E M E N T CASH FLOWS STATEMENTS For The Nine Month Periods Ended 30 September 2018 and 2017 Cash flows from operating activities: Interest and commissions received 8,801,847 7,947,664 Sharia income received 184, ,715 Interest paid (4,097,301) (3,656,243) Sharia expense paid (66,928) (79,019) Other revenues received 1,016,235 1,147,825 Other operational expenses paid (2,457,610) (2,294,266) Bad debt recoveries 13,186 4,344 Decrease / (Increase) in operating assets: Placement with other banks and Bank Indonesia 766,911 1,056,735 Marketable securities and government bonds trading portofolio and loans and receivables portfolio 1,374,189 (1,931,220) Loans (13,556,657) (9,982,873) Derivative receivables (2,123) 25,351 Other assets (1,515,795) (860,795) Increase/(decrease) in operating liabilities: Deposits from customers 5,003,818 11,196,995 Deposits from other banks 701,271 (1,474,966) Securities sold under repurchase agreement 1,883,664 (1,345,723) Derivative liabilities and other liabilities 1,295,035 1,683,085 Payment of corporate income tax: - current year (603,951) (576,258) - prior year (57,352) (72,589) Net cash flows (used in) / provided from operating activities (1,316,706) 968,762 Cash flows from investing activities: Acquisitions of fixed assets (221,392) (134,341) Proceeds from sale of fixed assets 3,077 3,106 Purchase of marketable securities and government bonds available for sale (13,200,822) (8,929,442) Sale of marketable securities and government bonds available for sale 11,873,966 11,495,863 Net cash flows provided / (used in) from investing activities (1,545,171) 2,435,186 Cash flows from financing activities: Redemption of continuous Bond I Phase II Year 2015 series B - (670,000) Redemption of continuous Bond II Phase I Year 2015 series A - (837,000) Redemption of the subordinate Bond III Year (880,000) Proceed from the Continuous Bond II Phase II Year ,002,000 The Continuous Bond II Phase II Issuance costs - (5,541) Redemption of continuous Bond I Phase II Year 2015 series C (1,235,000) - Redemption of continuous Bond II Phase I Year 2016 series B (380,000) - Redemption of continuous Bond II Phase II Year 2017 series A (1,248,000) - Proceed from issuance of Continuous Bond II Phase IV Year ,060,000 - Issuance cost of Continuous Bond II Phase IV Year 2018 (3,079) - Proceed from issuance of Continuous Bond III Phase I Year ,000,000 - Issuance cost of Continuous Bond III Phase I Year 2018 (4,886) - Proceed from subordinated debt 149,025 - Net cash flows provided / (used in) from financing activities (661,940) (390,541) Net increase / (decrease) in cash and cash equivalents (3,523,817) 3,013,407 Cash and cash equivalents at beginning of year 13,152,465 10,029,780 Cash and cash equivalents at end of period 9,628,648 13,043,187 Supplementary disclosures Cash and cash equivalents consist of: Cash 869, ,097 Current accounts with Bank Indonesia 7,825,413 8,738,198 Current accounts with other banks 794, ,058 Placement with other banks and Bank Indonesia 139,636 2,505,834 Total cash and cash equivalents 9,628,648 13,043,187

5 PT BANK OCBC NISP Tbk. STATEMENTS OF ASSETS QUALITY AND OTHER INFORMATION 30 September 2018 and 2017 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 119, , , , Spot and derivative receivables a. Rupiah , ,222 b. Foreign currency 82, ,495 12, , 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, ,725 6, ,516 ii. Foreign currency b. Non small and medium business (Non SME) i. Rupiah 488, , , ,735 ii. Foreign currency , ,824 c. Restructured loans i. Rupiah ii. Foreign currency d. Property loans 117, , , , Investments Temporary investment Other receivables Commitment and contingencies a. Rupiah 4, , b. Foreign currency , , Foreclosed assets II. NON-RELATED PARTIES 1. Placement with other banks a. Rupiah 1,708, ,708,407 2,551, ,551,037 b. Foreign currency 576, , , , Spot and derivative receivables a. Rupiah 197, , , ,922 b. Foreign currency 12, ,723 11, , Marketable securities a. Rupiah 19,327,032 1, ,328,939 22,325, ,325,816 b. Foreign currency 7,074, ,074,008 3,971, ,971, 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 4,324,981 4, ,329,658 3,608, ,608, Loans a. Micro debtors Small and medium business (SME) i. Rupiah 18,239, ,366 97,249 46, ,330 19,257,762 14,545, ,135 23,046 31, ,265 15,257,468 ii. Foreign currency 832, , , ,996 16, , ,296 b. Non small and medium business (Non SME) i. Rupiah 67,477,791 2,189,842 35,996 89,081 1,334,737 71,127,447 56,543,788 1,593, , , ,724 59,437,589 ii. Foreign currency 27,531, , ,722 27,796,981 26,717,391 75, ,973 84,857 5,302 27,036,471 c. Restructured loans i. Rupiah 777,413 1,216,217 57,119 30, ,972 2,692, , ,567 79,040 68, ,390 1,755,099 ii. Foreign currency 584, , , , ,119 24, ,973-10, ,453 d. Property loans 23,125, ,509 25,420 71, ,648 24,194,621 19,342, ,528 31,965 34, ,559 20,263,452

6 PT BANK OCBC NISP Tbk. STATEMENTS OF ASSETS QUALITY AND OTHER INFORMATION 30 September 2018 and 2017 No BANK Description Current Special Mention Substandard Doubtful Loss Total Current Special Mention Substandard Doubtful Loss Total 8. Investments Temporary investment Other receivables 1,286, ,286, , , Commitments and contingencies a. Rupiah 4,103,799 7, ,111,550 3,970, ,970,573 b. Foreign currencies 3,667, ,667,305 4,258, ,258, Placement with Bank Indonesia 40, ,885 1,674, ,674, Foreclosed assets 208, ,260 89,979 2, , , ,849-6, ,666 OTHER INFORMATION 1. Collateralized Assets : a. To the Bank Indonesia - - b. To the other banks Total allowance for impairment of earning assets 4,688,812 3,832, Total required provision for possible losses on asset 3,379,987 2,768, Percentage loans to small medium enterprise to total loans 16.83% 15.11% 5. Percentage of micro debtor loans to the total loans 0.94% 0.89% 6. Percentage number of small medium enterprise debtors to total debtors 5.17% 5.03% 7. Percentage number of small business debtors to the total debtors 0.40% 0.39% 8. Others a. Credit channeling - - b. Mudharabah Muqayyadah funding - - c. Written-off Productive assets 969, ,271 d. Recovery from written off productive assets 21,243 4,344 e. Productive assets claims written-off 136, ,689 ALLOWANCE FOR POSSIBLE LOSSES As at 30 September 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 - 20,641 47, ,895 36, Securities sold under repurchase agreement (repo) Securities purchased under resell agreement (reverse repo) Acceptance receivables - 49,643 43, ,340 36, Loans 1,156,666 3,460,290 1,115,470 2,055, ,577 2,895, ,312 1,583, Investment Temporary investments Other receivables - 1,572 13, , Commitments and contingent , ,285 16

7 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 FINANCIAL RATIOS As at 30 September 2018 and 2017 No. RATIO (%) Performance Ratio 1 Capital Adequacy Ratio 17.03% 17.71% 2 Non performing productive and non productive assets to the total productive and non productive assets 1.53% 1.57% 3 Non performing productive assets to the productive assets 1.35% 1.41% 4 Allowance for impairment losses of financial assets to productive assets 3.03% 2.76% 5 NPL - gross 1.75% 1.90% 6 NPL - net 0.67% 0.93% 7 Return on Asset (ROA) 2.18% 2.04% 8 Return on Equity (ROE) 12.26% 11.04% 9 Net Interest Margin (NIM) 4.19% 4.49% 10 Operating Expenses to Operating Income (BOPO) 73.06% 76.29% 11 Loan to Deposit Ratio (LDR) % 89.78% 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 6.50% 6.51% b. Foreign Currencies Statutory Reserves 8.01% 8.39% 3 Net Open Position 1.79% 1.59%

8 F I N A N C I A L S T A T E M E N T I CORE CAPITAL (Tier 1) 22,932,499 20,936,611 1 Main Core Capital (CET 1) 22,932,499 20,936, Paid up Capital (After deducted treasury stock) 2,868,162 1,434, Additional Capital Reserve 20,597,757 19,844, Additional factors 20,883,236 19,905, Other Comprehensive Income 1,258,402 1,386, The excess of the financial statement translation Potential benefits of the increase in the fair value of financial assets available for sale - 128, The balance of revaluation surplus 1,258,402 1,258, Additional reserves other capital (other disclosed reserves ) 19,624,834 18,518, Agio 5,395,280 6,829, General reserves 2,150 2, Profit previous years 12,194,111 10,018, Current year profit 2,033,293 1,668, Fund capital injection Others Offsetting factors 285,479 61, Other Comprehensive Income 191, Less difference translation of financial statements Potential losses from the decline in fair value of financial assets available for sale 191, Additional reserves other capital (other disclosed reserves ) 93,990 61, 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 93,990 61, Others Non-Controlling Interests that can be calculated Less Factor Main Core Capital 533, , Deferred tax calculation 533, , 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) 1,323,448 1,184,842 1 Capital instruments in the form of shares or other eligible Tier Agio atau disagio General reserve productive assets that should be formed (maks 1,25% Credit Risk Weighted Assets) 1,323,448 1,184,842 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 24,255,947 22,121,453 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 30 September 2018 and 2017 D E S C R I P T I O N DESCRIPTION RISK WEIGHTED ASSETS CAR RWA CREDIT RISK 128,228, ,739,145 CET1 Ratio 16.10% 16.76% RWA MARKET RISK 1,670,913 1,569,538 Tier 1 Ratio 16.10% 16.76% RWA OPERATIONAL RISK 12,553,212 10,622,431 Tier 2 Ratio 0.93% 0.95% TOTAL RWA 142,452, ,931,114 Total Ratio 17.03% 17.71% CAR BASED ON RISK PROFILE 8.00% 8.00% CET 1 FOR BUFFER 9.03% 9.71% CAR ALLOCATION From CET1 7.07% 7.05% 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 % 0.95% Capital Surcharge for D-SIB 0.75% 0.50%

9 F I N A N C I A L S T A T E M E N T No. TRANSACTION A. Related to exchange rate Purpose Derivative Receivable and Payable Trading Hedging Receivables Payables 1. Spot 3,311,891 3,311,891-3,719 5, Forward 4,031,105 4,031,105-49,156 11, Option a. Sold 163, , a. Bought 41,121 41, Future Swap 31,506,584 31,506, , , Others B. Related to Interest Rate 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 SPOT AND DERIVATIVE TRANSACTIONS As at 30 September 2018 Notional Amount 1. Forward Option a. Sold b. Bought Future 625, , Swap 9,018,176 9,018,176-81,385 77, Others C. Others TOTAL 48,698,250 48,698, , ,223

10 Notes : - The Financial Statements has been prepared based on the unaudited financial statements as at 30 September 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 2016, and Circular Letter of Financial Service Authority (OJK) Regulation No.43/SEOJK.03/2016 dated 28 September 2016 regarding Transparation and Publication Report for Commercial Banks. - Foreign Exchange Rate USD as at 30 September 2018 : 1 USD = Rp. 14, September 2017 : 1 USD = Rp.13, December 2017 : 1 USD = Rp.13, Jakarta, 30 October 2018 Parwati Surjaudaja Hartati President Director Director

11 PT BANK OCBC NISP Tbk - Sharia Business Unit BALANCE SHEETS 30 September 2018 dan 31 December 2017 No. Description 30-Sep Dec-17 ASSETS 1 Cash 819 1,609 2 Placements with Bank Indonesia 127, ,255 3 Placements with other banks Marketable securities 409, ,943 5 Financing receivables 1,390 2,551 6 Profit sharing financing 2,850,456 2,335,856 7 Leased financing Other productive assets Allowance for impairment losses on earning assets a. Individual (1,302) (2,003) b. Collective (27,235) (21,569) 10 Fixed assets and inventory Non productive assets 8,098 4, Allowance for impairment losses on other assets Other assets 27,272 21,186 TOTAL ASSETS 3,396,890 3,048,106 No. Description 30-Sep Dec-17 LIABILITIES 1 Deposit funds Wadiah 739, ,836 2 Non Profit Sharing Investment Funds 1,762,230 1,360,242 3 Liabilities to Bank Indonesia Liabilities to other bank 277, ,245 5 Securities Issued Other Liabilities 11,417 8,062 7 Profit Sharing Investment Funds Business Funds 597, ,891 9 Accumulated Gain/(loss) 8,332 56,830 TOTAL LIABILITIES 3,396,890 3,048,106 PT BANK OCBC NISP Tbk - Sharia Business Unit STATEMENTS OF INCOME For The Nine Month Periods Ended 30 September 2018 and 2017 No. Description Operating Income and Expenses A. Operating Income and Expenses of the Disbursement 1 Financing Income 184, ,715 a. Income from receivables b. Income from profit sharing 161, ,302 c. Others 23,475 40,113 2 Profit Sharing To Owners of Investment Fund 66,928 79,019 a. Non profit sharing 66,928 79,019 b. Profit sharing Income after profit sharing distribution 117, ,696 B. Operating Income and Expenses other than Financing 1 Other Operating Income 30,670 40,804 a. Income as mudharib in mudharabah muqayyadah - - b. Commission / provision / fee and administration 19,055 22,903 c. Other income 11,615 17,901 2 Other Operating Expenses 129, ,988 a. Wadiah bonus 19,403 24,686 b. Impairment losses of financial assets (impairment) 13,499 7,759 c. Loss on operational risk - - d. Commission / provision / fee and administration - - e. Impairment losses on other assets (non-financial) - - f. Personnel expenses 7,792 8,622 g. Other expenses 88,908 65,921

12 PT BANK OCBC NISP Tbk - Sharia Business Unit STATEMENTS OF INCOME For The Nine Month Periods Ended 30 September 2018 and 2017 No. Description 3 Others Operating Income (Expenses) (98,932) (66,184) OPERATING INCOME (EXPENSES) 18,994 35,512 NON OPERATING INCOME (EXPENSES) 1 Gain (loss) on sale of fixed assets and fixtures Gain (loss) on foreign exchange translation Non operating income (expenses) (7,179) (5,668) Non Operating Income (Expense) (7,179) (5,668) PROFIT/ (LOSS) BEFORE TAX FOR THE PERIOD ENDED 11,815 29,844 Income tax - - PROFIT/ (LOSS) AFTER TAX 11,815 29,844 OTHER COMPREHENSIVE INCOME 1 Items that will not be reclassified to profit or loss Items that will be reclassified to profit or loss (7,334) 4,812 OTHER COMPREHENSIVE INCOME CURRENT YEAR AFTER TAX (7,334) 4,812 TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE YEAR 4,481 34,656 PT BANK OCBC NISP Tbk - Sharia Business Unit Financial Ratio Report 30 September 2018 dan 2017 No. Description 1 Total sharia business units assets to total conventional bank assets which owned UUS 2.07% 2.10% 2 Non performing earning assets to total earning assets 1.31% 1.61% 3 Allowance for Impairment Losses (CKPN) financial assets to productive assets 0.88% 0.77% 4 NPF gross 1.50% 2.05% 5 NPF net 1.12% 1.54% 6 Return On Assets (ROA) 0.50% 1.32% 7 Profit sharing financing to total financing 99.95% 99.87% 8 Financing to Deposit Ratio (FDR) % 95.31% PT BANK OCBC NISP Tbk - Sharia Business Unit COMMITMENTS AND CONTINGENCIES As at 30 September 2018 and 31 December 2017 No. Description 30-Sep Dec-17 I Commitment receivables 1. Financing facilities undrawn Outstanding buying spot and forward contract Others - - II Commitment liabilities 1. Unused Financing facilities 16, Others - - III Contingent receivables 1. Guarantees received Margin receivables on non performing assets 10,700 15, Others - - IV Contingent liabilities 1. Guarantees issued Others - -

13 PT BANK OCBC NISP Tbk - Sharia Business Unit DISTRIBUTION TABLE FOR PROFIT SHARING 30 September 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 2,851,845 23, B. Funding 1 Demand deposits Wadiah a. Bank % b. Non Bank 17, % 2 Demand deposits Mudharabah a. Bank % % b. Non Bank 104,373 2,244 15% % 3 Saving Wadiah a. Bank 2, % b. Non Bank 747, , % 4 Saving Mudharabah a. Bank % % b. Non Bank 363,763 1,053 38% % 5 Time deposit Mudharabah a. Bank - 1 month 275,229 3,489 42% 1, % - 3 months % % - 6 months % % - 12 months % % b. Non Bank - 1 month 1,072,807 13,292 42% 5, % - 3 months 202,018 2,452 42% 1, % - 6 months 30, % % - 12 months 8, % % T O T A L 2,824,468 23,013-10,845 -

14 Notes for Sharia Business Unit : - 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 The published financial statements is prepared base on the Circular Letter of Bank Indonesia No. 7/56/DPbs dated 9 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, 30 October 2018 Dr. Muhammad Anwar Ibrahim Andrae Krishnawan W Sharia Supervisory Board Director