A Related with Exchange Rate1. Spot - 5,123,670 - - -2. Forward - 4,650,511 29,780 37,818 -3. Option

a. Purchased - 4,836,486 128,453 36,925 - b. Written - 4,280,221 35,830 111,520 -

4. Future - - - - -5. Swap - 42,289,333 688,542 647,605 -6. Lainnya - 1,150,828 8,885 93,010 -

B Related with Interest Rate1. Forward - - - - -2. Option

a. Purchased - - - - -b. Written - - - - -

3 Future - - - - -4 Swap - 19,613,594 313,032 168,664 -5 Lainnya - - - - -

C Others - - - - -

Total 1,204,522 1,095,542

CAPITAL COMPONENTI. CAPITAL

1. CAR - REDIT RISK 14.01% 18.87%2. CAR - MARKET RISK 12.97% 16.60%3. FIXED ASSETS TO CAPITAL 11.69% 5.20%

II. PRODUCTIVE ASSETS 1. Non Performing Productive Assets 2.34% 2.35%2. Provision to Productive Assets 2.32% 2.53%3. Provision to Productive Assets Fullfilment 105.21% 110.72%4. Provision to Non Productive Assets Fullfilment 100.00% 100.00%5. Non Performing Loans- gross 7.00% 6.87%6. Non Performing Loan - net 2.19% 2.66%

III. RENTABILITY 1. ROA 2.90% 5.36%2. ROE 19.58% 29.75%3. NIM 7.10% 3.98%4. BOPO (Operating Expense to Operating Income) 75.26% 67.36%

IV. LIQUIDITY - LDR 84.55% 77.41%

V. COMPLIANCE1. a. LLL Breach Percentage

1. Affiliates - - 2. Others - -

b. LLL Exceed Percentage 1. Affiliates - - 2. Others - -

2. Reserve Requirement (IDR) 8.15% 8.49%3. NOP 15.16% 4.50%

CAPITAL COMPONENTI. A. CAPITAL 1. Commercial Fund 2,358,249 2,409,475

2. Reserves - -3. Previous Years Profit after Tax - -4. Previous Years Loss (-/-) 65,209 82,9815. Current Years Profit after Tax (50%) 4,326 21,6966. Current Year Loss (-/-) - -7. Gain/Loss in value of Equity Participation in

Portfolio Available for Sale (-/-) - -a. Positive adjustment + / + ( 45% ) - -b. Negative adjustment - / - ( 100% ) - -

8. Reserve of Fixed Assets Revaluation - -9. General Provision of Prod.Asset

( Max 1,25 % of RIWAC ) 225,070 166,598

B. ADDITIONAL SUPLEMENTARY CAPITAL - -

C. ADDITIONAL SUPLEMENTARY CAPITALALLOCATED TO ANTICIPATE MARKET RISK - -

II. TOTAL CAPITAL (I-A) 2,522,436 2,514,788

III. TOTAL CAPITAL AND ADDITIONALSUPLEMENTARY CAPITALALLOCATED TO ANTICIPATE MARKET RISK (A+C) 2,522,436 2,514,788

IV. PARTICIPATION (-/-) - -

V. TOTAL CAPITAL FOR CREDIT RISK ( II-IV ) 2,522,436 2,514,788

VI. TOTAL CAPITAL FOR CREDIT RISK ANDMARKET RISK ( III-IV) 2,522,436 2,514,788

VII. CREDIT RISK WEIGHTED ASSETS ANDCONTIGENT 18,005,630 13,327,826

VIII. MARKET RISK WEIGHTED ASSETS ANDCONTIGENT 1,445,772 1,820,195

IX. CAPITAL ADEQUACY RATIO AVAILABLEFOR CREDIT RISK ( V : VII ) 14.01% 18.87%

X. CAPITAL ADEQUACY RATIO AVAILABLEFOR CREDIT RISK ANDMARKET RISK( VI :(VII+VIII)) 12.97% 16.60%

XI. ADDITIONAL SUPLEMENTARY CAPITAL RATIO ((B-C) : (VII+VIII)) - -

XII. REQUIRED CAPITAL ADEQUACY RATIO 8.0% 8.0%

COMMITMENTCommitment Receivable

1. Unused Credit Facility Receiveda. Local Currency - - b. Foreign Currency - -

2. Others

Total Commitment Receivable

Commitment Payable1. Unused Credit Facility to Customers

a. Local Currency 1,583,824 1,131,831b. Foreign Currency 565,911 453,044

2. Irrevocable Letter of Credit: Import & Export 2,042,060 1,369,5953. Others

Total Commitment Payable 4,191,795 2,954,470

Total Net Commitment (4,191,795) (2,954,470)

CONTINGENCIESContingent Receivable

1. Guarantee Receiveda. Local Currency 48,000 48,000b. Foreign Currency 9,873,246 7,791,573

2. Interest in Suspensea. Local Currency - 141b. Foreign Currency 13,887 30,338

3. Others

Total Contingent Receivable 9,935,133 7,870,052

Contingent Payable1. Guarantee Issued

a. Bank Guarantee - Local Currency 719,351 747,832 - Foreign Currency 3,929,110 2,600,785

b. Others2. Revocable Letter of Credit: Import & Export 91,919 86,6353. Others - -

Total Contingent Payable 4,740,380 3,435,252

Total Net Contingencies 5,194,753 4,434,800

I RELATED PARTY

A PRODUCTIVE ASSETS1 Placement with Other Banks 3,401,890 - - - - 3,401,890 33,900 - - - - 33,900 2 Marketable Securities to third party and Central Bank - - - - - - 15,032 - - - - 15,032 3 Loans

a. Small Scale Business Credit (KUK) - - - - - - - - - - - - b. Property

- Restructured - - - - - - - - - - - - - Unrestructured - - - - - - - - - - - -

c. Other Restructured Loan - - - - - - - - - - - - d. Others 549,480 - 549,480 410,001 - - - - 410,001

4 Participationa. Financial Institution - - - - - - - - - - - -

b. In terms of Credit Restructuring - - - - - - - - - - - - 5 Other Receivables 127,654 - - - - 127,654 120,149 - - - - 120,149 6 Commitments & Contingencies 667,709 - - - - 667,709 939,237 - - - - 939,237

B NON PRODUCTIVE ASSETS1 Abandoned Poperty - - - - - - - - - - - - 2 Transferred Collateral - - - - - - - - - - - - 3 Inter Office & Suspense Accounts - - - - - - - - - - - -

II NON RELATED PARTY

A PRODUCTIVE ASSETS1 Placement with Other Banks 6,945,266 - - - - 6,945,266 6,781,880 - - - - 6,781,880

2 Marketable Securities to third party and Central Bank 6,818,654 - - - - 6,818,654 4,219,497 15,483 - - - 4,234,980 3 Loans

a. Small Scale Business Credit (KUK)b. Property - Restructured - - - - - - - - - - - -

- Unrestructured - - - - - - - - - - - - c. Other Restructured Loan 28,819 34,722 1,971 1,881 169 67,562 20,549 44,821 7,715 - - 73,085 d. Others 10,399,356 1,209,728 327,991 30,424 557,926 12,525,425 7,108,395 852,101 255,134 32,281 327,342 8,575,253

4 Participationa. Financial Institutionb. In terms of Credit Restructuring - -

5 Other Receivables 2,411,677 3,926 - - - 2,415,603 674,645 6,780 - - - 681,425 6 Commitments & Contingencies 8,125,472 81,319 57,675 - - 8,264,466 5,092,268 340,111 6,942 - - 5,439,321

B NON PRODUCTIVE ASSETS

1 Abandoned Poperty2 Transferred Collateral - - - - - - - - - - - - 3 Inter Office & Suspense Accounts - - - - - - - - - - - -

TOTAL 39,475,977 1,329,695 387,637 32,305 558,095 41,783,709 25,415,553 1,259,296 269,791 32,281 327,342 27,304,263

1 a. Required allowance for Productive Assets 299,281 66,485 58,146 16,153 558,095 998,158 170,446 62,970 40,469 21,855 327,372 623,112 b. Required allowance for Non Productive Assets - - - 152 - 152 - - - - - - c. Total 299,281 66,485 58,146 16,305 558,095 998,158 170,446 62,970 40,469 21,855 327,372 623,112

2 a. Allowance for Productive Assets 269,803 66,485 58,146 16,153 558,095 968,681 237,224 62,970 40,469 21,855 327,372 689,890 b. Allowance for Non Productive Assets - - - 152 - 152 - - - - - - c. Total 269,803 66,485 58,146 16,305 558,095 968,833 237,224 62,970 40,514 21,855 327,372 689,935

3 Bank Assets pledged as Collaterala. To Bank Indonesia - - b. Other Parties - -

4 % of KUK to Total Loans - - 5 % of KUK debtor to total debtor - - 6 % of UMKM to Total Loans 21.21% 37.12%7 % of UMKM debtor to total debtor 75.13% 78.41%

OPERATING INCOME AND EXPENSES

1 INTEREST INCOMEInterest

a. Rupiah 993,550 822,206b. Foreign Currency 233,015 241,889

Loan provision and commisiona. Rupiah 21,268 18,882

b. Foreign Currency 57,373 7,556

TOTAL INTEREST INCOME 1,305,206 1,090,533

INTEREST EXPENSES Interest Expenses

a. Rupiah 288,423 540,537 b. Foreign Currency 153,885 58,569 Provision and commission 35,624 -

TOTAL INTEREST EXPENSES -/- 477,932 599,106

NET INTEREST INCOME 827,274 491,427

OTHER OPERATING INCOME- Provision and commission 300,676 278,166- Foreign exchange income 334,735 112,312- Gain on sale of marketable securities, net - 423,926- Other Income 20,803 36,395

TOTAL OTHER OPERATING INCOME 656,214 850,799

Provision for possible losses on productive 181,322 207,420Estimated loss off-balance sheet - -OTHER OPERATING EXPENSES - Administration and general 149,522 115,144- Personnel expenses 245,413 194,024

- Gain on sale of marketable securities, net 114,993 - - Foreign exchange income - - - Promotion 18,097 12,692 - Other Income 288,958 179,376

TOTAL OTHER OPERATING EXPENSES -/- 816,983 501,236

NET OPERATING INCOME (LOSS) 485,183 633,570

NON OPERATING INCOME AND EXPENSES Non operating income 57 235Non operating expenses 22,475 2,247

NET NON OPERATING INCOME (LOSS) 22,532 (2,012)

EXTRA ORDINARY GAIN / LOSS - -

PROFIT / (LOSS) BEFORE TAX 507,715 631,558

Provision for Income tax -/- 229,114 301,202

CURRENT YEAR PROFIT / (LOSS) 278,601 330,356

Minority Interest -/- - -Retained earnings (Beginning of year) 121,751 6,206Remit to Head Office 225,000 286,964Devident - -Others - -

Net profit 175,352 43,392

Net profit per share - -

LIABILITY1 Current Account

a. Rupiah 2,410,506 1,443,295b. Foreign Currency 3,805,548 3,358,014

2 Other current liabilities 45,887 35,4313 Savings 1,631,883 1,048,8064 Fixed Deposits

a. Rupiah i. Affiliates 648,100 - ii. Others 3,094,384 3,929,952

b. Foreign Currency i. Affiliates 458,471 - ii. Others 3,494,213 1,922,4085 Certificate of Deposits

a. Rupiah - -b. Foreign Currency - -

6 Loans from other banks 3,619,226 3,551,0887 Securities for sale repo 3,102,359 1,041,2438 Derivatif liabilities 745,450 693,8969 Acceptance liabilities 730,834 440,082

10 Securitiesa. Rupiah - -b. Foreign Currency - -

11 Borrowingsa. Short Term Funding Facilities from

Bank Indonesia - - b. Others

i. Rupiah - Affiliates - - - Others - - ii. Foreign Currency - Affiliates - - - Others - -12 Estimated loss from off balance sheet transaction 82,091 61,66113 Obligation under capital lease - -14 Accrued expenses 43,340 59,85115 Tax payable 148,801 152,24116 Deferred Tax Liabilities 20,301 56,43517 Other liabilities 9,980,223 3,975,49118 Subordinate Loan

a. Affiliates - -b. Others - -

19 Borrowed Capitala. Affiliates - -b. Others - -

20 Minority Interest21 Equity

a. Paid-up Capital 867 867b. Agio (disagio) - -c. Donated capital - -d. Fund for Paid Up Capital - -e. Exchange rate difference on financial statement - -f. Reserve for Assets Revaluation - -

g. Unrealized gain from increase in marketprice of marketable securities (51,034) 12,100

h. Other Comprehensive Income - -i. Unremitted profit 130,402 49,598

TOTAL LIABILITY 34,141,852 21,832,459

PASIVA1, Giro

a, Rupiah 2,410,506 1,443,295b, Valuta Asing 3,805,548 3,358,014

2, Kewajiban Segera Lainnya 45,887 35,4313, Tabungan 1,631,883 1,048,8064, Simpanan Berjangka

a, Rupiah i, Pihak terkait dgn bank 648,100 425,044 ii, Pihak lain 3,094,384 3,504,908b, Valuta Asing

i, Pihak terkait dgn bank 458,471 18,099 ii, Pihak lain 3,494,213 1,904,309

5, Sertifikat Depositoa, Rupiah - -b, Valuta Asing - -

6, Simpanan dari bank lain 3,619,226 3,551,088yang dijual dengan syarat reverse repo 3,102,359 1,041,243

8, Kewajiban Derivatif 745,450 693,8969, Kewajiban Akseptasi 730,834 440,082

10, Surat Berharga Yang Diterbitkana, Rupiah - -b, Valuta Asing - -

11, Pinjaman yang diterimaa, Fas,pendanaan jangka pendek Bank

Indonesia - -b, Lainnya, i, Rupiah - Pihak terkait dengan bank - - - Pihak lain - - ii, Valuta asing - Pihak terkait dengan bank - -

- Pihak lain - -12, Estimasi kerugian Komitmen dan kontinjensi 82,091 61,66113, Kewajiban Sewa Guna Usaha - -14, Beban Yang Masih Harus Dibayar 43,340 59,85115, Taksiran pajak penghasilan 148,801 152,24116, Kewajiban Pajak Tangguhan 20,301 56,43517, Kewajiban Lain - lain 9,980,223 3,975,49118, Pinjaman Subordinasi

a, Pihak terkait dengan bank - -b, Pihak lain - -

19, Modal Pinjamana, Pihak terkait dengan bank - -b, Pihak lain - -

20, Hak Minoritas - -21, Ekuitas

a, Modal Disetor 867 867b, Agio (disagio) - -c, Modal Sumbangan - -d, Dana Setoran Modal - -e, Selisih penjabaran laporan keuangan - -f, Selisih penilaian kembali aktiva tetap - -g, Laba (rugi) yang belum direalisasi dari

surat berharga (51,034) 12,100h, Pendapatan komprehensif lainnya - - i, Saldo laba (rugi) 130,402 49,598

J U M L A H 34,141,852 21,832,459

ASSETS1 Cash 55,588 50,8192 Current Account with Bank Indonesia

a. Current Account with Bank Indonesia 1,094,027 825,024b. Certificates of Bank Indonesia 2,983,505 2,020,099b. Others 270,000 399,961

3 Current Account with other Bank a. Rupiah 35,649 69,962b. Foreign Currency 36,520 10,572

4 Placement with other Banka. Rupiah 40,000 -Allowance for possible losses -/- (400) -b. Foreign Currency 3,571,164 1,402,673Allowance for possible losses -/- (35,712) (14,027)

5 Securitiesa. Rupiah

i. Trading 444,643 477,756 ii. Available for sale - - iii. Held to maturity - 79,450

Allowance for possible losses -/- (1,865) (5,461)b. Foreign Currency

i. Trading - 1,040,694 ii. Available for sale - - iii. Held to maturity 109,228 296,994

Allowance for possible losses -/- (1,069) (13,995)6 Securities Reverse Repo - -7 Government Obligations

a. Trading - -b. Available for sale 3,104,229 695,342c. Held to maturity 93,622 280,488

8 Securities Purchased under Agreementto Resell (Reverse Repo)a. Rupiah 3,096,562 3,401,562Allowance for possible losses -/- - -b. Foreign Currency - -Allowance for possible losses -/- - -

9 Derivative Assets 821,162 803,289Allowance for Derivative Assets -/- (7,959) (7,652)

10 Loans a. Rupiah

i. Affiliates 54,131 51,865 ii. Others 5,942,364 4,514,181

Allowance for possible losses -/- (679,741) (340,888)b. Foreign Currency

i. Affiliates 495,349 358,233 ii. Others 9,499,311 4,559,017

Allowance for possible losses -/- (145,336) (240,813)11 Acceptance Assets 2,153,616 463,228

Allowance for possible losses -/- (13,631) (4,583)12 Participation - -

Allowance for Possible Loss -/- - -13 Accrued receivables 156,980 169,14114 Prepayment 35,182 39,61015 Prepaid taxes - -16 Deferred Tax 186,960 89,18717 Fixed Assets 294,840 130,800

Accumulated depreciation -/- (136,768) (108,480)18 Abandoned Property - -

Accumulated Depreciation -/- - -19 Capital lease assets - -

Accumulated depreciation -/- - -20 Foreclosed assets 303 303

Allowance for possible losses -/- (152) (45)21 Other assets 589,550 338,153

TOTAL ASSETS 34,141,852 21,832,459

Jakarta, August 29, 2008S.E. & O

MANAGEMENT

B A LA N C E S H E E T Sas of 30 June 2008 dan 2007

(in Million IDR )

PROFIT AND LOSSas of 30 June 2008 dan 2007

(in Million IDR )

EARNING ASSETSas of 30 June 2008 dan 2007

(in Million IDR )

COMMITMENT AND CONTINGENCIESas of 30 June 2008 dan 2007

(in Million IDR )

CAPITAL ADEQUACY RATIO CALCULATIONas of 30 June 2008 dan 2007

(in Million IDR )

No. DESCRIPTION 2008 2007 No. DESCRIPTION 2008 2007 No. DESCRIPTION 2008 2007

No. DESCRIPTION 2008 2007

No. DESCRIPTION2008 2007

L DPK KL D M TOTAL L DPK KL D M TOTAL

Catatan :a. Informasi keuangan ini disusun berdasarkan laporan keuangan gabungan tahun berakhir 30 Juni 2008 dan 2007 untuk

memenuhi Peraturan Bank IndonesiaNo.3/22/PBI/2001 tanggal 13 Desember 2001 sebagaimana telah diubah denganPeraturan Bank Indonesia No. 7/50/PBI/2005 tanggal 29 November 2005 tentang "Transparansi Kondisi KeuanganBank" dan Surat Edaran Bank Indonesia No. 3/30/DPnP tanggal 14 Desember 2001mengenai "Laporan KeuanganPublikasi Triwulanan dan Bulanan Bank Umum serta Laporan Tertentu" yang disampaikan kepada Bank Indonesiayang telah diubah dengan Surat Edaran Bank Indonesia No. 7/10/DPnP tanggal 31 Maret 2005.

b. "Untuk tujuan perbandingan, akun tertentu dalam laporan keuangan gabungan tahun 2007 telah direklasifikasi agarsesuai dengan penyajian laporan keuangan gabungan tahun 2008."

c. Kurs 30 Juni 2008 1 USD = Rp. 9.220,00,-Kurs 30 Juni 2007 1 USD = Rp. 9.049,50,-

No. DESCRIPTION 2008 2007

FOREIGN EXCHANGE AND DERIVATIVE TRANSACTIONas of 30 June 2008

(in Million IDR)

No. TRANSACTIONMarket Value of Contract Tagihan dan Kewajiban Derivatif Contract Value with

Netting AgreementHedging Others Recivable Payable

FINANCIAL RATIO CALCULATIONas of 30 June 2008 dan 2007

(in Million IDR)

MANAGEMENTChief Executive Officer : Simon Morris

OWNERStandard Chartered PLC, U.K

STANDARD CHARTERED BANKINDONESIAN BRANCH

Kantor Pusat : Menara Standard CharteredJl. Prof. DR. Satrio No.164Jakarta 12950, Indonesia• S u r a b a y a • B a n d u n g • M e d a n • S e m a r a n g • B a l i • S o l o

No. DESCRIPTION 2008 2007

AKTIVA1, K a s 55,588 50,8192, Penempatan pada Bank Indonesia

a, Giro Bank Indonesia 1,094,027 825,024b, Sertifikat Bank Indonesia 2,983,505 2,020,099c, Lainnya 270,000 399,961

3, Giro pada Bank Laina, Rupiah 35,649 69,962b, Valuta Asing 36,520 10,572

4, Penempatan Pada Bank Laina, Rupiah 40,000 -PPA- Penempatan pada bank lain -/- (400) -b, Valuta Asing 3,571,164 1,402,673PPA- Penempatan pada bank lain -/- (35,712) (14,027)

5, Surat Berharga yang dimilikia, Rupiah

i, Diperdagangkan 444,643 477,756ii, Tersedia untuk dijual - -iii, Dimiliki hingga jatuh tempo - 79,450

PPA- Surat berharga yang dimiliki -/- (1,865) (5,461)b, Valuta Asing

i, Diperdagangkan - 1,040,694 ii, Tersedia untuk dijual - -

iii, Dimiliki hingga jatuh tempo 109,228 296,994 PPA- Surat berharga yang dimiliki -/- (1,069) (13,995)

6, Surat berharga yang dijual dengan janjidibeli kembali - -

7, Obligasi Pemerintaha, Diperdagangkan 3,104,229 695,342b, Tersedia untuk dijual 93,622 280,488c, Dimiliki hingga jatuh tempo - -

8, Tagihan atas surat berharga yang dibelidengan janji dijual kembali (reverse repo)a, Rupiah 3,096,562 3,401,562PPA- Reverse Repo -/- - -b, Valuta Asing - -PPA- Reverse Repo -/- - -

9, Tagihan Derivatif 821,162 803,289 PPA- Tagihan derivatif -/- (7,959) (7,652)

10, Kredit yang diberikana, Rupiah

i, Pihak terkait dgn bank 54,131 51,865 ii, Pihak lain 5,942,364 4,514,181PPA- Kredit yang diberikan -/- (679,741) (340,888)b, Valuta Asing i, Pihak terkait dgn bank 495,349 358,233

ii, Pihak lain 9,499,311 4,559,017PPA- Kredit yang diberikan -/- (145,336) (240,813)

11, Tagihan Akseptasi 2,153,616 463,228PPA- Tagihan akseptasi -/- (13,631) (4,583)

12, Penyertaan - -PPA- Penyertaan -/- - -

13, Pendapatan yang masih akan diterima 156,980 169,14114, Biaya dibayar dimuka 35,182 39,61015, Uang muka Pajak - -16, Aktiva Pajak Tangguhan 186,960 89,18717, Aktiva Tetap 294,840 130,800

Akumulasi Penyusutan Aktiva Tetap -/- (136,768) (108,480)18, Properti terbengkalai - -

PPA- Properti terbengkalai -/- - -19, Aktiva sewa guna - -

Akumulasi Penyusutan Aktiva sewa guna -/- - -20, Agunan yg diambil alih 303 303

PPA- Agunan yang diambil alih -/- (152) (45)21, Aktiva Lain - lain 589,550 338,153

J U M L A H 34,141,852 21,832,459

PENDAPATAN DAN BEBAN OPERASIONAL1, Pendapatan bunga

1,1, Hasil bungaa, Rupiah 993,550 822,206

b, Valuta Asing 233,015 241,8891,2, Provisi dan komisi

a, Rupiah 21,268 18,882 b, Valuta Asing 57,373 7,556

JUMLAH PENDAPATAN BUNGA 1,305,206 1,090,533

2, Beban bunga 2,1, Beban bunga a, Rupiah 288,423 540,537

b, Valuta Asing 153,885 58,5692,2, Komisi dan Provisi, 35,624 27,562

JUMLAH BEBAN BUNGA -/- 477,932 626,668

PENDAPATAN BUNGA BERSIH 827,274 463,865

3, Pendapatan operasional lainnya3,1, Pendapatan Provisi, komisi, fee 300,676 278,1663,2, Pendapatan transaksi valuta asing 334,735 112,3123,3, Pendapatan Kenaikan nilai Surat berharga - 423,9263,4, Pendapatan Lainnya 20,803 36,395

JUMLAH PENDAPATAN OPERASIONAL LAINNYA 656,214 850,799

Aktiva 181,322 207,420Komitmen & Kontijensi - -

6, Beban Operasional lainnya6,1, Beban Administrasi dan umum 149,522 115,1446,2, Beban Personalia 245,413 194,0246,3, Beban penurunan nilai surat berharga 114,993 -6,4, Beban transaksi valas - -6,5, Beban Promosi 18,097 12,6926,6, Beban Lainnya 288,958 151,814

JUMLAH BEBAN OPERASIONAL LAINNYA -/- 816,983 473,674

PENDAPATAN/(BEBAN) OPERASIONAL BERSIH 485,183 633,570

PENDAPATAN/BEBAN NON OPERASIONAL7, Pendapatan non operasional 57 2358, Beban non operasional 22,475 2,247

PENDAPATAN/(BEBAN) NON OPERASIONAL BERSIH (22,418) (2,012)

9, Pendapatan / Beban Luar biasa - -

10, LABA / RUGI SEBELUM PAJAK PENGHASILAN 462,765 631,558

11, Taksiran pajak penghasilan -/- 229,114 301,202

12, LABA/RUGI TAHUN BERJALAN 233,651 330,356

13, Hak Minoritas -/- - -14, Laba ditahan awal periode 121,751 6,20615, Transfer Laba ke Kantor Pusat -/- 225,000 286,96416, Dividen - -17, Lainnya - -

SALDO / LABA (RUGI) AKHIR PERIODE 130,402 49,598

LABA BERSIH PERSAHAM (dalam Rupiah penuh) - -

I Pihak Terkait

A AKTIVA PRODUKTIF1 Penempatan pada Bank Lain 3,401,890 - - - - 3,401,890 2,533,900 - - - - 2,533,900

dan Bank Indonesia - - - - - - 15,032 - - - - 15,0323 Kredit kepada Pihak ketiga

a, KUK - - - - - - - - - - - -b, Kredit Properti

i, Direstrukturisasi - - - - - - - - - - - - ii, Tidak direstrukturisasi - - - - - - - - - - - -

c, Kredit lain yang direstrukturisasi - - - - - - - - - - - -d, Lainnya 549,480 - - - - 549,480 410,001 97 - - - 410,098

4 Penyertaan pada pihak ketigaa, Pada perusahaan keuangan non-bank - - - - - - - - - - - -b, Dalam rangka restrukturisasi kredit - - - - - - - - - - - -

5 Tagihan lain kepada pihak ketiga 127,654 - - - - 127,654 120,149 - - - - 120,1496 Komitmen dan Kontinjensi kepada Pihak ketiga 667,709 - - - - 667,709 939,237 - - - - 939,237B AKTIVA NON PRODUKTIF1 Properti terbengkalai - - - - - - - - - - - -2 Agunan yang diambil alih - - - - - - - - - - - -3 Rekening antar kantor dan suspense account - - - - - - - - - - - -

II Pihak Tidak Terkait

A AKTIVA PRODUKTIF1 Penempatan pada Bank Lain 6,945,266 - - - - 6,945,266 4,281,880 - - - - 4,281,880

dan Bank Indonesia 6,818,654 - - - - 6,818,654 4,219,497 15,483 - - - 4,234,9803 Kredit kepada Pihak ketiga

a, KUK - - - - - - - - - - - -b, Kredit Properti

i, Direstrukturisasi - - - - - - - - - - - - ii, Tidak direstrukturisasi - - - - - - - - - - - -

c, Kredit lain yang direstrukturisasi 28,819 34,722 1,971 1,881 169 67,562 20,549 44,821 7,715 265,00 30 73,380d, Lainnya 10,399,356 1,209,728 327,991 30,424 557,926 12,525,425 7,108,395 852,101 255,134 32,281 327,342 8,575,253

4 Penyertaan pada pihak ketigaa, Pada perusahaan keuangan non-bank - - - - - - - - - - - -b, Dalam rangka restrukturisasi kredit - - - - - - - - - - - -

5 Tagihan lain kepada pihak ketiga 2,411,677 3,926 - - - 2,415,603 674,645 6,780 - - - 681,4256 Komitmen dan Kontinjensi kepada Pihak ketiga 7,954,382 250,659 59,425 - - 8,264,466 5,092,268 340,111 6,942 11,164 - 5,450,485

B AKTIVA NON PRODUKTIF1 Properti terbengkalai - - - - - - - - - - - -2 Agunan yang diambil alih - - - 303 - 303 - - 303 - - 3033 Rekening antar kantor dan suspense account - - - - - - - - - - - -

JUMLAH 39,304,887 1,499,035 389,387 32,608 558,095 41,784,012 25,415,553 1,259,393 270,094 43,710 327,372 27,316,122

1 a, PPA produktif yang wajib dibentuk 257,120 74,952 58,408 16,153 558,095 964,728 170,446 62,970 40,469 21,855 327,372 623,112b, PPA non produktif yang wajib dibentuk - - - 152 - 152 - - 45 - - 45c, Total PPA yang wajib dibentuk 257,120 74,952 58,408 16,305 558,095 964,880 170,446 62,970 40,514 21,855 327,372 623,157

2 a, PPA produktif yang telah dibentuk 261,074 74,952 58,408 16,153 558,095 968,681 237,224 62,970 40,469 21,855 327,372 689,889b, PPA non produktif yang telah dibentuk - - - 152 - 152 - - 45 - - 45c, Total PPA yang telah dibentuk 261,074 74,952 58,408 16,305 558,095 968,833 237,224 62,970 40,514 21,855 327,372 689,934

3 Total Asset bank yang dijaminkana, Pada Bank Indonesia - -b, Pada Bank Lain - -

4 Persentase KUK terhadap total Kredit - -5 Persentase jumlah Debitur KUK terhadap Total Debitur - -6 Persentase UMKM terhadap total kredit 32.40% 37.12%7 Persentase jumlah Debitur UMKM terhadap Total Debitur 91.42% 78.41%

KOMITMENTAGIHAN KOMITMEN

digunakana, Rupiah - -b, Valuta Asing - -

2, Lainnya - -

JUMLAH TAGIHAN KOMITMEN - -

KEWAJIBAN KOMITMEN1, Fasilitas kredit kepada nasabah yang belum ditarik

a, Rupiah 1,583,824 1,131,831b, Valuta Asing 565,911 453,044angka impor dan ekspor 2,042,060 1,369,595

3, Lainnya - -

JUMLAH KEWAJIBAN KOMITMEN 4,191,795 2,954,470

JUMLAH KOMITMEN BERSIH (4,191,795) (2,954,470)

KONTINJENSITAGIHAN KONTINJENSI

1, Garansi yang diterimaa, Rupiah 48,000 48,000b, Valuta Asing 9,873,246 7,791,573

2, Pendapatan bunga dalam penyelesaiana, Rupiah - 141b, Valuta Asing 13,887 30,338

3, Lainnya - -

JUMLAH TAGIHAN KONTINJENSI 9,935,133 7,870,052

KEWAJIBAN KONTINJENSI1, Garansi yang diberikan

a, Bank garansi- Rupiah 719,351 747,832- Valuta Asing 3,929,110 2,600,785

b, Lainnya - - rangka impor dan ekspor 91,919 86,635

3, Lainnya - -

JUMLAH KEWAJIBAN KONTINJENSI 4,740,380 3,435,252

JUMLAH KONTINJENSI BERSIH 5,194,753 4,434,800

KETERANGAN I, A, KOMPONEN MODAL

1, Dana Usaha 2,358,249 2,409,4752, Cadangan - -3, Laba tahun-tahun lalu setelah diperhitungkan pajak - -4, Rugi tahun-tahun lalu(-/-) 65,209 82,981

pajak (50%) 4,326 21,6966, Rugi tahun berjalan (-/-) - -

7, Penurunan nilai Penyertaan pada portfoliotersedia utk dijual (-/-)

a, Selisih lebih + / + ( 45% ) - -b, Selisih kurang - / - ( 100% ) - -

8, Selisih penilaian kembali Aktiva Tetap - -9, Cadangan Umum Penyisihan Aktiva Produktif / PPAP ( Maks 1,25 % dari ATMR ) 225,070 166,598MEMENUHI PERSYARATAN - -

DIALOKASIKAN UNTUK MENGANTISIPASIRESIKO PASAR - -

II, TOTAL KOMPONEN MODAL (I-A) 2,522,435 2,514,788

III, TOTAL MODAL DAN MODAL PELENGKAPTAMBAHAN YANG DIALOKASIKAN UNTUKMENGANTISIPASI RESIKO PASAR (A+C) 2,522,435 2,514,788

IV, PENYERTAAN (-/-) - -

V, TOTAL MODAL UNTUK RESIKO KREDIT ( II-IV ) 2,522,435 2,514,788VI, TOTAL MODAL UNTUK RESIKO KREDIT DAN

RESIKO PASAR ( III-IV) 2,522,435 2,514,788VII, AKTIVA TERTIMBANG MENURUT RESIKO

(ATMR) KREDIT 18,005,630 13,327,826VIII, AKTIVA TERTIMBANG MENURUT RESIKO

(ATMR) PASAR 1,445,772 1,820,195MINIMUM TERSEDIA UNTUK RESIKOKREDIT( V : VII ) 14.01% 18.87%

X, RASIO KEWAJIBAN PENYEDIAAN MODALMINIMUM TERSEDIA UNTUK RISIKO KREDITDAN RESIKO PASAR( VI :(VII+VIII)) 12.97% 16.60%

XI, RASIO KELEBIHAN MODAL PELENGKAPTAMBAHAN ((B-C) : (VII+VIII)) - -

MINIMUM YANG DIWAJIBKAN 8.0% 8.0%

RASIO I. PERMODALAN

1. CAR dengan memperhitungkan resiko kredit 14.01% 18.87%kredit dan resiko pasar 12.97% 16.60%

3. Aktiva tetap terhadap modal 11.69% 5.20%II. KUALITAS AKTIVA

1. Aktiva Produktif bermasalah 2.34% 2.35%2. PPA produktif terhadap aktiva produktif 2.32% 2.53%3. Pemenuhan PPA produktif 100.47% 110.72%4. Pemenuhan PPA non produktif 100.00% 100.00%5. NPL gross 7.00% 6.87%6. NPL net 2.16% 2.66%

III. RENTABILITAS 1. ROA 2.90% 5.36%2. ROE 19.58% 29.75%3. NIM 7.10% 3.98%4. BOPO 75.26% 67.36%

IV. LIKUIDITAS - LDR 84.55% 77.41%

V. KEPATUHAN (COMPLIANCE)1. a. Persentase Pelanggaran BMPK

1. Pihak terkait - - 2. Pihak tidak terkait - -

b. Persentase Pelampauan BMPK 1. Pihak terkait - -

2. Pihak tidak terkait - - 2. GWM Rupiah 8.15% 8.49%3. PDN 15.16% 4.50%

A Terkait dengan Nilai Tukar1, Spot - 5,123,670 -2, Forward - 4,650,511 29,780 34,818 -3, Option

a, Purchased - 4,836,486 128,453 36,925 -b, Written - 4,280,221 35,830 111,520 -

4, Future - - - - -5, Swap - 42,289,333 688,542 647,605 -6, Lainnya - 1,150,828 8,885 93,010 -

B Terkait dengan suku bunga1, Forward - - - - -2, Option

a, Purchased - - - - -b, Written - - - - -

3 Future - - - - -4 Swap - 19,613,594 313,032 168,664 -5 Lainnya - - - - -

C Lainnya - - - - -

Jumla,h 1,204,522 1,092,542

Chief Financial Officer Managing DirectorCountry Head, Origination & Client Coverage

(Vijay Maheshwari) (Bharat Padmanabhan)