FINANCIAL HIGHLIGHTS

Numerical notations in all table and graphs are in English    
(In billion Rupiah, unless stated otherwise) 2014 2013 2012 2011 2010
Balance Sheets (In billion Rupiah except EPS)          
Total Assets        416,574     386,655 333,304 299,058 248,581
Cash, Current Account, Placement (Net)         55,056       60,795 68,849 76,551 58,775
Marketable Securities (Gross)         12,738         8,513 9,801 7,628 13,181
Loand (Bruto)        277,622     250,638 200,742 163,533 136,357
Government Bonds         43,830       44,884 38,561 36,958 32,556
Investment (Net)                37             40 24 24 24
Customer Deposit        313,893     291,890 257,661 231,296 194,375
Borrowing and Marketable Securities Issued         17,370       24,987 13,519 8,991 6,751
Total Liabilities        355,553     338,971 289,778 261,215 215,431
Minority Interest                1,950             83 52 110 30
Equity         61,021       47,684 43,525 37,843 33,150
Income Statement          
Interest Income         33,365       26,451 22,705 20,692 18,837
Interest Expense          (10,989)        (7,392) (7,246) (7,496) (7,080)
Net Interest Income         22,376       19,058 15,459 13,196 11,738
Fee Income           10,715         9,441 8,446         7,601 7,044
Operating Income         33,091       28,499 23,905 20,797 18,782
Operating Expense (OPEX)        (16,103)      (14,573) (12,739) (11,134) (9,643)
Provision for Possible Losses          (3,642)        (2,708) (2,525) (2,421) (3,629)
Net Operating Income         13,346         11,219 8,641 7,242 5,509
Non Operational Income (Expense) - Net                178           59 259 219 (24)
Income Before Tax         13,524         11,278 8,900 7,461 5,485
Income Tax          (2,695)        (2,220) (1,851) (1,653) (1,382)
Net Income After Tax           10,829         9,058 7,048 5,808 4,103
Income attributable to :          
- Minority Interest                 46               4 2 (18) (1)
- Net Income           10,783         9,054 7,046 5,826 4,102
Financial Ratio [%]          
Return On Assets {ROA}               3.5            3.4 2.9 2.9 2.5
Return On Equity {ROE}             23.6          22.5 20.0 20.1 24.7
Net Interest Margin {NIM}               6.2            6.1 5.9 6.0 5.8
Fee Income to Operating Income             32.4          33.1 35.3 36.5 37.6
Loan to Deposit Ratio (LDR)             87.8          85.3 77.5 70.4 70.2
Capital Adequacy Ratio (CAR)             16.2          15.1 16.7 17.6 18.6
Earning (Loss) Per Share (EPS) (Rp)              578           486 378 312 266
Other Ratio [%]          
NPL Gross               2.0            2.2 2.8 3.6 4.3
NPL Net               0.4            0.5 0.8 0.5 1.1
LLP/NPL Gross {Coverage Ratio}           130.1         128.5 123.0 120.8 120.6
Cost to Income Ratio (CIR)             43.8          46.7 49.5 49.8 51.3
Operating Expense to Operating Income             69.8          67.1 71.0 72.6 76.0
Net Operating Income/Employee (in million Rp)           1,247           1,092 962 880 972
Net Open Position (NOP)               1.6            3.4 2.2 2.8 4.4
Number of Outlets           1,766         1,693         1,590 1,369 1,153
Number of ATMs         14,071         11,163         8,227 6,227 5,004
Number of Employees         26,536       26,100       24,861 23,639 19,315