PT Bank Rakyat Indonesia (Persero) Tbk. 1H2016 - Financial Update - PowerPoint PPT Presentation

PT Bank Rakyat Indonesia (Persero) Tbk. 1H’2016 - Financial Update Presentation

Outline 3 Financial Updates………………………………………………………………………………………… Business Updates: 1. Micro Banking……………………………………………………………….……………………. 11 2. Small Commercial and Medium Loans ……………………………………..……………………………………. 16 3. Consumer Loans……………………………………………………..…………………………… 18 4. SoE and Corporate Loans ………………………………………..……………………………. 20 5. Fee Based Income ……………………………………………….……………………………... 22 Key Take Aways ….…….……...……………………………………….……………………..………… Key Take Aways ….…….……...……………………………………….……………………..………… 24 24 Target 2016 …………...…………………………………………………………………………………... 26 Appendixes ………………………………………………………………..…….................................. 28 2

Financial Updates 3

Financial Highlights Q1'15 1H'15 9Mo'15 2015 Mar'16 1H'16 ∆ yoy Asset/Liabilities Total Assets (IDR Billion) 781,181 747,478 775,816 845,998 832,092 872,970 16.8% 472,915 503,594 518,952 558,436 561,098 590,691 17.3% Total Loans (Gross) (IDR Billion) 587,727 573,117 611,325 642,774 631,781 656,122 14.5% Total Deposits (IDR Billion) Asset Quality NPL (gross) 2.17% 2.33% 2.24% 2.02% 2.22% 2.31% NPL (nett) 0.60% 0.66% 0.59% 0.52% 0.59% 0.60% Liquidity LDR 80.47% 87.87% 84.89% 86.88% 88.81% 90.03% CASA 51.74% 54.13% 56.16% 59.21% 56.54% 56.89% Reserve Requirement - IDR 8.03% 8.02% 8.01% 9.31% 6.52% 6.54% Reserve Requirement - FX Reserve Requirement - FX 8.05% 8.05% 8.01% 8.01% 8.02% 8.02% 8.43% 8.43% 8.01% 8.01% 8.02% 8.02% Profitability Net Profit (IDR Billion) 6,101 11,861 18,285 25,204 6,137 12,047 1.6% 7.57% 7.88% 8.08% 8.13% 8.09% 8.43% NIM 29.84% 29.22% 29.60% 29.89% 26.55% 25.24% ROE Tier 1 3.99% 3.91% 3.95% 4.19% 3.65% 3.68% ROA before tax Cost of Fund (CoF) 4.74% 4.50% 4.29% 4.24% 3.98% 3.96% Cost Efficiency Ratio (CER) 45.08% 45.45% 44.22% 43.81% 42.86% 44.42% Operating Expense to Operating Income 68.04% 69.26% 69.40% 67.96% 72.10% 72.40% Capital Tier1 CAR 15.97% 16.43% 16.68% 16.76% 15.84% 18.56% Total CAR 20.08% 20.41% 20.59% 20.59% 19.49% 22.10% Note: Numbers stated in this presentation are bank only As of January 2015: - Implementation of Basel 3: recognition of 100% current year net profit into capital, previously only 50% - Ref to PBI No. 15/12/2013 : appropriated reserves is categorized as Tier 2 Capital, previously Tier 1 Capital Increase Asset and Capital in 1H2016 due to asset revaluation recognition amounting to Rp.14.8T 4

Balance Sheet (IDR Billion) Description Mar'15 Jun'15 Sep'15 2015 Mar'16 Jun'16 g(YoY) g(QoQ) Total Assets 781,181 747,478 775,816 845,998 832,092 872,970 16.8% 4.9% - Gross Loans 472,915 503,594 518,952 558,436 561,098 590,691 17.3% 5.3% - Government Bonds (Recap) 4,301 4,053 4,069 3,816 3,818 3,817 -5.8% 0.0% - Other Earnings Assets 236,584 172,594 177,775 190,735 195,829 180,245 4.4% -8.0% Total Earning Assets 713,800 680,241 700,795 752,987 760,744 774,753 13.9% 1.8% Earning Assets Provision (16,013) (16,628) (17,460) (17,030) (18,657) (20,567) 23.7% 10.2% Total Earning Assets (net) 697,787 663,612 683,336 735,957 742,087 754,186 13.6% 1.6% Total Non Earning Assets 83,394 83,866 92,480 110,041 90,004 118,784 41.6% 32.0% Total Liabilities & S.E Total Liabilities & S.E 781,181 781,181 747,478 747,478 775,816 775,816 845,998 845,998 832,092 832,092 872,970 872,970 16.8% 16.8% 4.9% 4.9% Total Customer Deposits 587,727 573,117 611,325 642,774 631,781 656,122 14.5% 3.9% - Demand Deposits 84,835 88,803 109,565 112,989 108,150 109,202 23.0% 1.0% - Saving 219,234 221,411 233,754 267,607 249,037 264,054 19.3% 6.0% - Time Deposits 283,658 262,903 268,006 262,178 274,593 282,866 7.6% 3.0% Other Interest Bearing Liabilities 64,197 48,156 31,615 67,712 55,725 61,441 27.6% 10.3% Non Interest Bearing Liabilities 34,045 24,622 25,880 23,120 32,673 22,755 -7.6% -30.4% Tier I Capital 77,416 82,900 86,707 89,992 89,915 110,333 33.1% 22.7% Total Shareholder's Equity 95,212 101,583 106,996 112,392 111,913 132,652 30.6% 18.5% Note: Numbers stated in this presentation are bank only As of January 2015: - Implementation of Basel 3: recognition of 100% current year net profit into capital, previously only 50% - Ref to PBI No. 15/12/2013 : appropriated reserves is categorized as Tier 2 Capital, previously Tier 1 Capital Increase Asset and Capital in 1H2016 due to asset revaluation recognition amounting to Rp.14.8T 5

Loan – Mix and Growth Loans Outstanding – by business segment Composition – by business segment (%) (IDR Trillion) 590.7 561.1 558.4 11.8 11.9 12.7 79.7 13.4 13.6 13.5 519.0 76.4 75.1 503.6 472.9 66.0 12.4 14.3 59.7 14.2 14.1 14.5 14.0 55.6 78.5 83.5 4.0 81.2 3.8 3.8 3.3 3.4 3.6 19.8 71.8 20.2 73.7 18.5 58.8 21.2 19.5 20.5 18.9 19.0 18.7 20.0 20.5 110.3 19.1 106.9 114.5 103.7 103.7 103.5 103.5 100.2 100.2 16.0 17.3 16.3 16.6 16.5 15.8 94.4 91.2 88.5 85.8 83.8 81.7 33.8 34.3 33.3 32.9 32.8 32.0 157.5 165.8 170.2 178.9 189.7 202.9 Mar-15 Jun-15 Sep-15 2015 Mar-16 Jun-16 Mar-15 Jun-15 Sep-15 2015 Mar-16 Jun-16 Micro Consumer Small Commercial Medium SoE Corporate Non-SoE Total Loan 6 Note: Numbers stated in this presentation are bank only

Loan – Asset Quality Non Performing Loan - gross (%) Restructured Loan by Segment (%) Restructured Loan by quality (%) NPL (%) Mar-15 Jun-15 Sep-15 2015 Mar-16 Jun-16 0.8 1.56 1.60 1.44 1.13 1.54 1.49 10.5 11.9 Micro 17.4 1.44 1.64 1.61 1.30 1.48 1.53 Consumer 39.0 4.13 4.14 3.87 2.90 3.78 3.78 Small Comm. 32.8 7.50 7.71 7.26 5.82 6.68 6.45 Medium 29.0 49.2 1.92 3.28 3.62 4.78 3.78 4.67 Corp Non-SoE - - - - - 9.5 SoE Total NPL 2.17 2.33 2.24 2.02 2.22 2.31 Total Restructured loan in 1H16 Rp.28.3T Special Mention (%) Special Mention (%) Special Mention Composition – by segment (%) 2.17 2.33 2.24 6.2 7.4 2.31 7.9 8.0 10.3 9.5 2.22 7.9 13.7 11.1 11.3 12.4 19.6 5.0 5.0 5.1 4.4 4.3 2.02 4.4 26.0 26.1 23.7 24.2 25.9 25.4 7.13 13.2 7.02 6.95 6.67 13.0 12.6 13.6 12.4 6.43 9.9 4.81 40.0 37.3 37.2 36.0 36.7 33.3 Mar-15 Jun-15 Sep-15 Dec-15 Mar-16 Jun-16 Mar 15 Jun 15 Sep 15 Des 15 Mar 16 Jun 16 NPL (%) Gross Special Mention (%) 7 Note: Numbers stated in this presentation are bank only

Deposits – Mix and Growth Deposits: Trend Deposits Composition, COF & BI Rate (%) (IDR Trillion) 656.1 642.8 611.3 631.8 100% 17.00% 587.7 573.1 90% 15.00% 40.8% 43.1% 43.8% 43.5% 45.9% 48.3% 282.9 262.2 80% 13.00% 274.6 268.0 283.7 70% 262.9 11.00% 60% 7.50% 9.00% 7.50% 7.50% 7.50% 6.75% 6.75% 50% 6.50% 6.50% 7.00% 267.6 40% 264.1 249.0 233.8 4.50% 4.24% 4.29% 3.96% 5.00% 221.4 219.2 30% 4.74% 3.98% 3.00% 20% 51.7% 54.1% 56.2% 59.2% 56.5% 56.9% 1.00% 10% 84.8 88.8 109.6 113.0 108.2 109.2 0% -1.00% Mar-15 Jun-15 Sep-15 2015 Mar-16 Jun-16 Mar-15 Jun-15 Sep-15 2015 Mar-16 Jun-16 Time Deposit Saving High Cost Low Cost COF BI Rate Demand Deposit TOTAL 8 Note: Numbers stated in this presentation are bank only

Income Statement (IDR Billion) Description 2015 1H'15 1H'16 g(YoY) Q1'16 Q2'16 g(QoQ) Interest Income 82,221 39,963 45,009 12.6% 21,840 23,169 6.1% Interest Expense (25,710) (13,074) (12,998) -0.6% (6,514) (6,484) -0.5% Net Interest Income 56,511 26,889 32,011 19.0% 15,326 16,685 8.9% Fee & Other Opr. Income * 12,224 5,650 7,598 34.5% 3,311 4,287 29.5% Gross Operating Income 68,735 32,539 39,609 21.7% 18,637 20,972 12.5% Other Operating Expenses (29,889) (14,639) (17,746) 21.2% (8,025) (9,720) 21.1% Pre Provision Operating Profit Pre Provision Operating Profit 38,846 38,846 17,900 17,900 21,863 21,863 22.1% 22.1% 10,611 10,611 11,252 11,252 6.0% 6.0% Provision (8,581) (3,868) (7,339) 89.8% (3,589) (3,750) 4.5% Non Operating Income (Net) 1,947 640 856 33.7% 573 283 -50.5% Profit Before Tax n Minor. Int. 32,211 14,672 15,379 4.8% 7,595 7,784 2.5% Net Profit 25,204 11,861 12,047 1.6% 6,137 5,910 -3.7% EPS** 1,021.7 961.6 976.7 1.6% 995.1 958.4 -3.7% *) Detail on the Fee & Other Operating Income on page 30 **) annualized 9 Note: Numbers stated in this presentation are bank only

Business Updates 10

Micro Banking 11