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F I N A N C I A L S T A T E M E N T - As at 30 September 2011 (Unaudited)

PUBLIC LISTED BANK

LIST OF CONTENT
Sheet 1 Sheet 2 Sheet 3 Sheet 4 Sheet 5 Sheet 6 Sheet 7 Sheet 8 Sheet 9 Sheet 10 Sheet 12 BALANCE SHEET - ASSETS STATEMENT OF INCOME CASH FLOWS STATEMENTS COMMITMENT AND CONTINGENCIES ASSETS QUALITY AND OTHER INFORMATION FINANCIAL RATIOS CAPITAL ADEQUACY RATIO NOTES SHARIA SHARIA - REPORT SHARIA - NOTES

FINANCIAL STATEMENT

FOREIGN EXCHANGE & PUBLIC LISTED BANK


BALANCE SHEETS As at 30 September 2011, 30 September 2010 and 31 December 2010 (in million Rupiah)
N0.

BALANCE SHEETS As at 30 September 2011, 30 September 2010 and 31 December 2010 (in million Rupiah)
31-Dec-10 N0.

Description
ASSETS

30-Sep-11

30-Sep-10

Description
LIABILITIES AND SHAREHOLDERS' EQUITY

30-Sep-11

30-Sep-10

1 2 3 4 5

6 7 8 9

10 11 12

13 14 15 16 17 18

19 20 21 22 23

Cash Placements with Bank Indonesia Placements with Other Banks Derivative receivables Marketable securities a. at Fair value through profit/loss b. Available for Sale c. Held to Maturity d. Loans and recievables Marketable securities sold with repurchase agreement Marketable securities purchased under resale agreements Acceptance receivable Loans a. Fair value through to profit and loss b. Available for Sale c. Held to Maturity d. Loans and recievables Sharia Financing Investments Allowance for impairment of financial assets -/a. Marketable Securities b. Loans c. Others Intangible Assets Accumulated depreciation of intangible assets -/Fixed assets and fixtures Accumulated depreciation of fixed assets and fixtures -/Abandoned properties Foreclosed assets Suspend Account Interoffice Assets a. Conduct Operational Activity in Indonesia a. Conduct Operational Activity outsite Indonesia Allowance for impairment of other assets -/Allowance for possible losses on non earning assets -/Leased assets Deferred tax assets Other assets

730,262 9,609,714 319,523 117,581 161,886 5,440,248 113,221 1,077,177 35,819,899 188,094 (3,198) (612,052) (26,256) 1,273,619 (428,233) 230,932 14,981 (81,750) 46,753 1,024,627

945,604 2,907,235 4,579,849 74,744 2,415,549 3,668,557 74,655 411,239 953,606 28,387,169 (467) (641,225) (8,372) 1,183,577 (338,112) 118,086 35,570 395 (51,175) 8,919 1,013,688

896,588 4,478,486 2,537,682 51,031 2,810,239 5,175,521 81,076 978,709 31,539,051 1,510 (4,869) (622,365) (18,895) 1,174,618 (344,023) 236,481 20,722 606 (45,436) 54,149 1,140,678

1 2 3 4 5 6 7 8 9 10 11 12 13

14 15 16 17 18 19 20

21

22 23 24 25

26

Demand deposits 9,681,717 Savings 17,088,748 Time deposits 15,984,298 Revenue sharing investment fund 261,421 Liabilities to Bank Indonesia Liabilities to other banks 1,290,952 Spot and derivative liabilities 170,145 Marketable securities sold with repurchase agreement Acceptance Payables 1,077,177 Marketable Securities Issued Borrowings 193,380 Security deposits 161,200 Interoffice liabilities a. Operational Activity in Indonesia 180 b. Operational Activity Outside Indonesia Deferred tax liabilities Allowance for possible losses on off balance sheets' transaction 54,552 Other liabilities 1,228,411 Profit sharing fund investment Minority interest Loan Capital 1,472,920 Paid in capital a. Authorised capital 3,500,000 b. Un paid up capital -/(2,619,757) c. Treasury shares -/Additional paid-in capital a. Share premium 3,154,919 b. Share discount -/c. Donation Capital d. Adjustments due to financial statement translation e. Other comprehensive income 9,218 f. Others g. Capital deposits funds Difference on revaluation of fixed assets Difference due to quation reorganisation Difference on restructuring of entities under the control of the Bank (781,961) Reserves a. General reserves 1,450 b. Specific reserves Profit/loss a. Previous years 2,565,812 b. Current year 522,246

6,442,025 13,430,154 15,842,447 103,260 312,910 38,655 835,350 196,812 30,761 1,196,338 1,783,760 1,200,000 (473,178) 1,221,814 7,280 954,015 1,350 2,244,926 370,412 45,739,091

TOTAL ASSETS

55,017,028

45,739,091

50,141,559

TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY

55,017,028

FINANCIAL STATEMENT

FOREIGN EXCHANGE & PUBLIC LISTED BANK


STATEMENT OF INCOME For The Nine Month Period Ended 30 September 2011 and 2010 (in million rupiah, except Earnings per Share) N0.

DESCRIPTION

2011

2010

OPERATING INCOME AND EXPENSES A. Interest income and expenses 1 Interest income a. R u p i a h b. Foreign currencies Total Interest income 2 Interest expenses a. R u p i a h b. Foreign currencies Total Interest expenses NET INTEREST INCOME B. Non Interest Income (Expenses) 1 Non Interest Income a. Increase in Fair Value of Financial Assets ( Mark to Market ) i. Marketable securities ii. Loans iii. Spot and derivatives iv. Other financial assets b. Decrease in fair value financial liabilities ( Mark to Market ) c. Gain on sale of financial assets i. Marketable securities ii. Loans iii. Other financial assets d. Foreign exchange gain spot and derivatives (realised) e. Dividend, gains from Equity Method Investment, commisions/provision/fee & administration f. Reversal of Impairment provisions, Allowance for possible lossess of Non Productive Assests & off balance sheet accounts g. Others income Total Non Interest Income 2 Operating Expenses excluding interest a. Decrease in Fair Value of Financial Assets ( Mark to Market ) i. Marketable securities ii. Loans iii. Spot and derivatives 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 on financial assets i. Marketable securities ii. Loans iii. Sharia Financing iv. Other financial assets f. Allowance for possible losses on off balance sheets accounts g. Allowance for possible losses on operational risk h. Loss on operational risk i. Loss from Equity Method investment commision/provision/fee and administration j. Allowance for impairment of other assets (Non Financial) k. Allowance for possible losses of non earning assets l. Personnel expenses m.Promotion expenses n.Other expenses Total Operating Expenses excluding interest Net operating income/expenses excluding interest OPERATING INCOME (EXPENSES) NON OPERATING INCOME (EXPENSES) 1 Gain (loss) on sale of fixed assets and fixtures 2 Gain (loss) on foreign exchange translation 3 Non operating income (expense) NON OPERATING INCOME (EXPENSES) INCOME BEFORE TAX 1 Profit (loss) transfer to Head Office 2 Income Tax a. Estimated Current year tax b. Deferred tax (Income) expenses Net Income MINORITY INTEREST

2,755,543 305,242 3,060,785 1,356,875 57,011 1,413,886 1,646,899

2,373,497 262,917 2,636,414 1,094,202 52,783 1,146,985 1,489,429

139,297 38,700 44,558 291,747

1,172 9,765 64,092 101,523 260,603

24,186 22,047 560,535

30,516 20,605 488,276

1,991 65,891 2,772 7,362 2,746 85,432 25,995 519 56,683 692,274 38,935 544,603 1,525,203 (964,668) 682,231 1,118 13,458 14,576 696,807 164,234 10,327 522,246 -

515 14,509 69 27,725 55 122,410 5,275 676 2,841 680,487 43,259 493,960 1,391,781 (903,505) 585,924 3,378 4,186 7,564 593,488 147,456 5,220 440,812 440,812 62.60

Net Income after minority interest 522,246 DIVIDEND BASIC EARNINGS PER SHARE STATEMENTS OF COMPREHENSIVE INCOME
FOR THE NINE- MONTH PERIODS ENDED 30 september 2011 and 2010 (Expressed in million Rupiah, unless otherwise stated)
2011
PROFIT FOR THE PERIOD OTHER COMPREHENSIVE INCOME: Available for sale financial assets - (Gain)/ loss for the period - Reclassification of (gains)/losses to income statement Income tax COMPREHENSIVE INCOME FOR THE PERIOD, NET OF TAX TOTAL COMPREHENSIVE INCOME FOR THE PERIOD,NET OF TAX (9,847) (6) 2,463 (24,697) 40,151 (3,864) 522,246

74.16

2010
440,812

(7,390) 514,856

11,590 452,402

FINANCIAL STATEMENT

FOREIGN EXCHANGE & PUBLIC LISTED BANK


CASH FLOWS STATEMENTS FOR THE NINE - MONTH PERIODS ENDED 30 September 2011 and 30 September 2010 (in million rupiah)
2011
Cash flows from operating activities: Interest and commissions received Interest paid Other revenues received Operational expenses paid Recoveries of loans previously written off Cash flows from operating activities before changes in operating assets and liabilities (Increase)/decrease in operating assets: Placement in BI and other banks Marketable securities and Government bond trading and held to maturity portfolio Marketable securities puchase with resale agreement Loans Derivative receivables Other assets Increase/(decrease) in operating liabilities: Deposits from customers Deposits from other banks Taxes payable Others payables Payment of corporate income tax: - current period - prior year Net cash flows (used in)/ provided from operating activities Cash flows from investing activities: Proceeds from sale of investment Acquisitions of fixed assets Proceeds from sale of fixed assets Purchase of marketable - securities and government bonds available for sale Sale of marketable securities and government bonds available for sale Net cash flows (used in)/provided from investing activities (114,944) (16,065) (125,161) 3,587,330 114,020 49,290 297,742 728,873 790,578

2010 2,640,544 (1,133,410) 410,149 (1,127,787)


1,082

3,079,612 (1,578,163) 459,678 (1,238,606) 6,352

(1,852,751) 2,275,767 (4,467,432)


(66,550) 59,637

(3,074,497) 2,470,091 (411,239) (4,405,973) (9,427) (407,226) 3,082,487 (542,960) 10,981 230,708

594,917
10,186

(76,070) (2,467,708)

46,125 (105,855) 5,136 9,906 (3,649,782) (32,761,114) 3,249,446 32,838,682 (492,182) 27,744
(107,168)

Cash flows from financing ctivities: Proceeds from issuance of Subordinated Bonds II 2010 Subordinated Bonds III 2010 issuance cost Payments of borrowings Net cash flows provided from/ (used in) financing activities foreign exchange translation cash and cash equivalents Net (decrease)/increase in cash and cash equivalents Cash and cash equivalents at beginning of year Cash and cash equivalents at end of period Supplementary disclosures Cash and cash equivalents consist of: Cash Current accounts with Bank Indonesia Current accounts with other banks Placement with other banks Certificate of Bank Indonesia Total cash and cash equivalents Increase/(decrease) in non cash assets and liabilities : Acceptances receivable Acceptances payable Foreign Exchange

193,380 193,380 31,190 327,305 8,852,620 9,179,925

880,000
(6,184) -

(4,584) 869,232 10,492 (1,560,240) 11,656,596 10,096,356

730,262 3,748,036 119,524 4,008,925 573,178

945,604 1,448,028 118,385 5,920,808 1,663,531

9,179,925
178,944 (9,020) -

10,096,356 49,286 -

FINANCIAL STATEMENT

FOREIGN EXCHANGE & PUBLIC LISTED BANK


COMMITMENT AND CONTINGENCIES As at September 30, 2011 and 2010 (in million Rupiah)
No.

DESCRIPTION
1. Undrawn borrowing facilities received a. R u p i a h b. Foreign currencies 2. Outstanding spot and derivative position 3. Other Commitments Total Commitment Receivables

2011

2010

I COMMITMENT RECEIVABLES

9,700,466 175,800 9,876,266

5,548,277 5,548,277

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 ii. Uncommitted 2. Undrawn loan facilities granted to other bank i. Committed - Rupiah - Foreign currencies ii. Uncommitted - Rupiah - Foreign currencies 3. Outstanding irrevocable letters of credit a. Overseas L/C b. Local L/C 4. Outstanding spot dan derivative positition 5. Others Total Commitment Payables TOTAL COMMITMENTS - NET
III CONTINGENT RECEIVABLES

2,351,972 12,313,224 932,553 210,240 9,738,302 200,000

451,813 9,166,078 711,122 180,635 5,461,222 255,000

25,746,291 16,225,870 (15,870,025) (10,677,593)

1. Guarantees received a. R u p i a h b. Foreign currencies 2. Interest receivable on non performing assets a. Loan interest b. Other interest 3. Others Total Contingent Receivables
IV. CONTINGENT PAYABLES 1 1. Guaranteed issued

2,322,653 263,305 2,585,958

18,571 2,048,985 301,392 2,368,948

a. Bank Guarantees -Rupiah - Foreign currencies 2. Others Total Contingent Payables TOTAL CONTINGENCIES - NET

1,247,693 1,599,144 2,846,837 (260,879)

1,089,283 1,424,171 2,513,454 (144,506)

MANAGEMENT As at 30 September 2011


COMMISSIONERS - President Commissioner - Deputy President Commissioner - Commissioner - Commissioner - Commissioner - Commissioner - Commissioner DIRECTORS - President Director - Deputy President Director - Director - Director - Director - Director - Director - Director - Director - Director - Director : : : : : : : Pramukti Surjaudaja Peter Eko Sutioso *) David Philbrick Conner Roy Karaoglan *) Jusuf Halim *) Kwan Chiew Choi *) Lai Teck Poh (Dua Teck Poh)

: : : : : : : : : : :

Parwati Surjaudaja Na Wu Beng Hardi Juganda Yogadharma Ratnapalasari Rama Pranata Kusumaputra Louis (Luianto) Sudarmana Rudy N Hamdani Alan Jenviphakul Emilya Tjahyadi Hartati Thomas Arifin

S H A R E H O L D E R S As at 30 September 2011
OCBC Overseas Investment Pte.Ltd. (Controlling shareholder) Others *) Independent commissioner 85.06% 14.94%

FINANCIAL STATEMENT

FOREIGN EXCHANGE & PUBLIC LISTED BANK


ASSETS QUALITY AND OTHER INFORMATION 30 September 2011 and 2010 PT BANK OCBC NISP Tbk.
(in million Rupiah)
BANK No I. 1. RELATED PARTIES Placement with other banks a. Rupiah b. Foreign currency Spot and derivatif receivable a. Rupiah b. Foreign currency Marketable securities a. Rupiah b. Foreign currency Marketable securities sold with agreement to purchased (repo) a. Rupiah b. Foreign currency Marketable securities purchased with agreement to resell (reverse repo) a. Rupiah b. Foreign currency Acceptance payable Loans a. Micro debtors, Small and medium business (UMKM) i. Rupiah ii. Foreign currency b. Not small and medium business (UMKM) i. Rupiah ii. Foreign currency c. Restructured loans i. Rupiah ii. Foreign currency d. Property loans Investments Temporary investment Description Current 2011 Special Mention Substandard Doubtful Loss Total Current 2010 Special Mention Substandard Doubtful Loss Total

2,912 2,369 -

2,912 2,369 -

2,721,508 -

2,721,508 -

2.

3.

4.

5.

6. 7.

15,622 1,631 234,420 79,636 1,124 -

15,622 1,631 234,420 79,636 1,124 -

29,530 5,901 124,056 36,389 1,823 -

239 66 -

29,769 5,901 124,056 36,389 1,889 -

8. 9.

10. Commitement and contingencies a. Rupiah b. Foreign currency 11. Foreclosed assets II. 1.

NON-RELATED PARTIES
Placement with other banks a. Rupiah b. Foreign currency Spot and derivatif receivable a. Rupiah b. Foreign currency Marketable securities a. Rupiah b. Foreign currency Marketable securities sold with agreement to purchased (repo) a. Rupiah b. Foreign currencies 210,326 106,285 73,015 42,197 5,581,924 133,431 210,326 106,285 73,015 42,197 5,581,924 133,431 1,323,421 534,920 4,968 69,776 5,912,058 242,020 4,683 1,323,421 534,920 4,968 69,776 5,912,058 246,703 -

2.

3.

4.

BANK No 5. Description Current Marketable securities purchased with agreement to resell (reverse repo) a. Rupiah b. Foreign currencies Acceptance payable Loans a. Micro debtors, Small and medium business (UMKM) i. Rupiah ii. Foreign currency b. Not small and medium business (UMKM) i. Rupiah ii. Foreign currency c. Restructured loans i. Rupiah ii. Foreign currency d. Property loans Investments Temporary investment 1,071,070 2011 Special Mention Substandard Doubtful 6,107 Loss Total 1,077,177 Current 411,239 950,963 2010 Special Mention Substandard Doubtful 2,643 Loss Total 411,239 953,606

6. 7.

13,620,512 322,764 12,354,448 8,301,937 31,463 5,715,249 371,563 2,897,043 3,644,232 5,861,677 143,019

405,104 206 10,580 111,190 520 105,824 238,722 326 -

32,569 7,810 32,855 8,342 32,855 11,652 14,692 7,967

52,911 3,452 14,024 2,060

361,173 3,544 51,355 7,726 6,390 119,895 1,391 77,886

14,472,269 326,514 12,424,193 8,453,708 50,167 138,679 6,099,542 387,646 2,897,369 3,644,232 5,861,677 230,932

11,970,241 484,707 9,292,990 4,799,123 86,548 16,602 4,641,392 397,412 1,470,530 2,618,781 265,105 17,479

525,266 8,368 59,239 230,926 171,444 295,920 838 992 22,377 -

35,627 18,781 34,033 24,557 34,033 32,040 8,774

62,685 37,009 1,810 31,535 17,320 1,773 89,333

339,713 11,532 189,468 91,346 55,504 3,670 80,288 624 236 2,500

12,933,532 504,607 9,560,478 5,192,437 168,419 257,284 5,066,960 400,647 1,471,758 2,641,158 265,105 118,086

8. 9.

10. Others Receivables 11. Commitments and contingencies a. Rupiah b. Foreign currencies 12. Placements with Bank Indonesia 13. Foreclosed assets III. 1. OTHERS INFORMATION Collateralized Assets : a. To the Bank Indonesia b. To the other banks Total allowance for impairment of earning assets Total required provision for possible losses on asset Percentage loans to small medium enterprises total loans Percentage of loans to micro debtors to the total loans Percentage number of small medium enterprises debtors to total debtors Percentage number of small business debtors to the total debtors Others a. Credit chanelling b. Mudharabah Muqayyadah funding c. Written-off Earning assets d. Recovery from written off earning assets e. Productive assets claims writen-off

641,506 641,506 41.14% 2.13% 28.10% 25.29% 117 384,244 6,451 37,548

650,064 650,064 47.45% 3.50% 34.72% 31.75% 130 132,193 793 1,721

2. 3. 4. 5. 6. 7. 8.

ALLOWANCE FOR POSSIBLE LOSSES As at 30 September 2011 and 2010 No


1. 2. 3. 4. 5. 6. 7. 8. 9. 10.

Description Placement with other banks Spot and derivatif receivable


Marketable securities

2011 Allowance for Impairment Individual Collective


5,361 277,814 14,691 3,198 4,605 334,238 1,599

2010 Provision required General Specific


3,195 1,176 7,439 10,711 336,189 3,716 916 258,440 3,595

Allowance for Impairment Individual Collective


418,775 2,397 467 4,740 222,450 1,235

Provision required General Specific


5,780 508 413 4,546 127,111 1,193 343 194 537,145 2,439

Marketable securities sold with agreement to purchased (repo) Marketable securities purchased with agreement to resell (reverse repo)
Acceptance receivable

Loans Investment
Temporary capital investments Other Receivable

FINANCIAL STATEMENT

FOREIGN EXCHANGE & PUBLIC LISTED BANK

FINANCIAL RATIOS As at 30 September 2011 and 30 September 2010


No. RASIO (%) 2011
15.06% 1.18% 1.16% 1.30% 1.53% 0.76% 1.83% 12.05% 4.84% 81.16% 83.71%

2010
18.55% 2.05% 1.83% 1.44% 2.89% 1.41% 1.87% 11.58% 5.12% 81.25% 79.26%

Performance Ratio 1 Capital Adequacy Ratio 2 Non performing earning and non earning assets to the total earning and non earning assets 3 Non performing assets to the productive assets 4 Allowance for financial assets impairment to earning assets 5 NPL - gross 6 NPL - net 7 Return on Aset (ROA) 8 Return on Equity (ROE) 9 Net Interest Margin (NIM) 10 Operating Expenses to Operating Income (BOPO) 11 LDR COMPLIANCE 1 a. Percentage in excess of legal lending limit i. Related parties ii. Non related parties b. Percentage lending in excess of legal lending limit i. Related parties ii. Non related parties 2 Reserve Requirement a. IDR Statutory Reserves b. Foreign Currencies Statutory Reserves 3 Net Open Position

8.17% 8.02% 2.58%

5.08% 1.08% 2.82%

FINANCIAL STATEMENT

FOREIGN EXCHANGE & PUBLIC LISTED BANK CALCULATION OF CAPITAL ADEQUACY RATIO As at 30 September 2011 and 2010 ( in million Rupiah ) D E S C R I P T I O N
I CAPITAL COMPONENTS
A. CORE CAPITAL 1. Modal Paid up Disetor Capital 2. Cadangan Additional Tamdahan Capital Reserve Modal 2.1 Additional Factor a. Agio a. Share premium b. Modal b. Donation Sumbangan Capital c. Cadangan c. General Umum Reserve d. Cadangan d. Specific Tujuan Reserve e. Laba e. Prior tahun-tahun years profit lalu (100%) yang dapat diperhitungkan (100%) f. Laba f. Current tahun berjalan year profit yang (50%) dapat diperhitungkan (50%) g. Selisih g. Differences lebih karena arising penjabaran from financial laporan statement keuangan translation h. Dana h. Paid Setoran Up Capital Modal fund i. Waran i. Warrant yang diterbitkan issued (50%) (50%) j. Opsi j. saham Stock Option yang diterbitkan in relation dalam with compensation rangka program program kompensasi berbasis saham (50%) stock basis (50%) k. Difference in restructuring value of transactions of entities under common control 2.2 Less Factor a. Share discount b. Prior year loss (100%) c. Current year loss (100%) d. Differences arising from financial statement translation e. Others Comphrehensive Income : Loss on Fair Value on Available for sale investment f. Shortage between required provisions with allowance for impairment of earning assets g. Shortage in mark to market on trading book h. Difference in restructuring value of transactions of entities under common control 3. Inovative Capital 3.1 Subordinated Bonds (perpetual non cummulative) 3.2 Subordinated Borrowing (perpetual non cummulative) 3.3 Others Inovative Capital Instruments 4. Less Factor Core Capital 4.1 Goodwill 4.2 Others Intangible Assets 4.3 Investment (50%) 4.4 Lack in capital in Insurance subsidiary (50%) 5. Minority Interest SUPPLEMENTARY CAPITAL 1. Upper Tier 2 1.1 Preferred Stock (perpetual cummulative) 1.2 Subordinated Bonds (perpetual cummulative) 1.3 Subordinated Borrowing (perpetual cummulative) 1.4 Mandatory convertible bond 1.5 Innovative Capital which can not be calculated as Core Capital 1.6 Others up level supplementary capital instrument (upper tier 2) 1.7 Fixed assets revaluation 1.8 General provision for productive assets (maks 1.25% of RWA) 1.9 Others Comphrehensive Income : Gains from increase fair value from Available for sale investment (45%) 2. Low Level (Lower Tier 2) max 50% from Core Capital *) 2.1 Redeemable preference shares 2.2. Borrowings or subordinated bond can be calculated 2.3. Others supplementary capital instrument low level (lower tier 2) 3. Less Factor Supplementary Capital *) 3.1 Investment (50%) 3.2 Capital lack in Insurance subsidiary (50%) Deduction Factor for Core Capital and Supplementary Capital Securitization exposure Additional Supplementary Capital (Tier 3) ADDITIONAL SUPPLEMENTARY CAPITAL ALLOCATED TO ANTICIPATE MARKET RISK 5,914,973 880,243 5,034,730 5,816,691 3,154,919 1,450 2,399,199 261,123 781,961 781,961 1,321,387 277,314 48,376 228,938 1,044,073 1,044,073 7,236,360 5,181,206 726,822 4,454,384 4,454,384 1,221,814 1,350 2,130,192 223,016 878,012 1,691,958 216,866 48,376 168,490 1,475,091 1,475,091 6,873,164 6,873,164 33,291,740 2,612,219 1,147,697 19.14% 18.55% 2011 2010

C D E II III
IV V VI

TOTAL CORE AND SUPPLEMENTARY CAPITAL ( A + B - C )

TOTAL CORE CAPITAL, SUPPLEMENTARY CAPITAL, AND ADDITIONAL SUPPLEMENTARY CAPITAL ALLOCATED TO ANTICIPATE MARKET RISK ( A + B - C + E ) 7,236,360 RISK WEIGHTED ASSETS FOR CREDIT RISK RISK WEIGHTED ASSETS FOR OPERATIONAL RISK RISK WEIGHTED ASSETS FOR MARKET RISK 42,529,253 4,534,533 976,658 15.38% 15.06%

VII. CAPITAL ADEQUACY RATIO FOR CREDIT RISK AND OPERATIONAL RISK ( II : ( IV+V ) VIII. CAPITAL ADEQUACY RATIO FOR CREDIT RISK, OPERASIONAL RISK AND MARKET RISK (III : ( IV + V + VI )

FINANCIAL STATEMENT

FOREIGN EXCHANGE & PUBLIC LISTED BANK


SPOT AND DERIVATIVE TRANSACTIONS As at 30 September 2011 (in million Rupiah) Purpose Notional Amount Trading Hedging 1,250,468 1,187,872 7,022,916 1,250,468 1,187,872 7,022,916 -

No.

TRANSACTION

Derivative Receivable and Payable Receivables Payables 2,635 14,045 100,901 10,261 11,582 146,788 -

A. Related to exchange rate 1. Spot 2. Forward 3. Option a. Written a. Purchased 4. Future 5. Swap 6. Others B. Related to Interest Rate 1. Forward 2. Option a. Purchased b. Written 3. Future 4. Swap 5. Others C. Others TOTAL 110,306 9,571,562 9,461,256 110,306 110,306 117,581 1,514 170,145

Notes : The accompanying Financial Statements has been prepared based on financial statement as at and for the nine months period ended 30 September 2011 -

and 2010 (unaudited) and 31 December 2010 (audited by Public Accountant Firm of Tanudiredja, Wibisana & Rekan - a member firm of PricewaterhouseCoopers global network (Partner in charge Lucy Luciana Suhenda, SE, Ak, CPA) dated 26 January 2011 with unqualified opinion), with some reclassifications to accomplish the regulation of Bank Indonesia No. 3/22/PBI/2001 dated 13 December 2001 as amended with the regulation of Bank Indonesia No. 7/50/PBI/2005 dated 29 November 2005 regarding the Amendment of Transparancy of Banking Financial Condition and Circular Letter of Bank Indonesia No. 3/30/DPNP dated 14 December 2001 as amended with Circular Letter of Bank Indonesia No. 7/10/DPNP dated 31 March 2005 regarding Quarterly Published Financial Statements, Monthly Financial Statements of Commercial Bank and Certain Report submitted to Bank Indonesia, as amanded with Circular Letter of Bank Indonesia No. 12/11/DPNP dated 31 March 2010 with Letter of Bank Indonesia No. 13/394/DPNP/IDPnP dated 27 July 2011 regarding Adjustment of Financial Statements (CGC) Related Quarterly GAAP Convergence with International Financial Reporting Standards (IFRS), and to comply with the Bapepam-LK Rule Number X.K2, Chairman of Bapepam-LK. No. Kep-346/BL/2011 dated 5 Juli 2011 and Decree No. Kep395/BL/2011 dated July 26, 2011 at the Central Financial Publications Annual Reports of the Issuer or Public Company and Decision of the Board of Directors of PT. Jakarta Stock Number: Kep-306/BEJ/07-2004 of Obligation to Submit Information. The Published Financial Statements ended 30 September 2011 has been prepared based on Statement of Financial Accounting Standard (SFAS) No. 50 (Revised 2006) and SFAS No. 55 (Revised 2006) Effective 1 January 2011 PT Bank OCBC Indonesia merge to PT Bank OCBC NISP Tbk (Surviving Bank), the publication report as at 30 September 2011 is reflecting the merger impact. Exchange Rate USD 30 September 2011: 1 USD = Rp 8,790 30 September 2010 : 1 USD = Rp 8,925 31 December 2010 : 1 USD = Rp 9,010

FINANCIAL STATEMENT

FOREIGN EXCHANGE & PUBLIC LISTED BANK


BALANCE SHEETS As at 30 September 2011 and 2010 (in million Rupiah)
No. Description 2011 2010

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18

ASSETS Cash Current Accounts with Bank Indonesia Bank Indonesia Wadiah Certificates Placements with Other Banks Allowance for Possible Losses -/Marketable Securities Allowance for Possible Losses -/Receivables iB Allowance for Possible Losses -/Other Receivables iB Allowance for Possible Losses -/Financing iB Allowance for Possible Losses -/Accrued Interest Receivables Prepaid Expenses Premises and Equipment Accumulated Depreciation Other Assets - net TOTAL ASSETS

1,105 12,995 50,000 138,026 188,093 (1,885) 1,061 920 5,434 395,749

607 5,262 35,900 172,153 723 176 214,821

No.

Description

2011

2010

LIABILITIES Deposits from customers iB Other Liabilities Immediately Payable Liabilities to Bank Indonesia (FPJPS) Liabilities to Other Banks Securities Issued Other Liabilities Unrestricted Investment Funds a. Saving Deposits iB b. Time Deposits iB 8 Retained Earnings (Accumulated Losses) 1 2 3 4 5 6 7 Total Pasiva

205,156 435 2,899 130,152 53,366 3,741 395,749

100,858 1 2,402 108,491 3,069 214,821

STATEMENTS OF INCOME For The Nine Month Period ended 30 September 2011 and 2010 (in million Rupiah)
No. Description 2011 2010

A. 1 2 3 4 B.

INCOME FROM OPERATIONS Margin Profit Sharing Bonuses Other Operating Income TOTAL OPERATING INCOME

4,303 14,782 19,085

1,508 6,641 8,149

C Investors' Share on Returns of Unrestricted Investment Funds a. Bank b. Non Bank c. Bank Indonesia (FPJPS) D TOTAL PROFIT SHARING E Operating income after distribution of profit sharing for investor of unrestricted investment funds F EXPENSES FROM OPERATIONS 1 Bonuses iB 2 Provision for Possible Losses on Earning Assets 3 General and Administrative Expenses 4 Personnel Expenses 5 Other Expenses G TOTAL OPERATING EXPENSES H INCOME (EXPENSES) FROM OPERATIONS - NET I Non Operating Income J Non Operating Expenses K NON OPERATING INCOME (EXPENSES) - NET L NET INCOME (LOSS) FOR CURRENT PERIOD

2,188 2,188 16,897 387 1,470 878 4,344 6,077 13,156 3,741 3,741

8,149 2 603 2,610 1,865 5,080 3,069 3,069

COMMITMENTS AND CONTINGENCIES


As at 30 September 2011 and 2010

(in million Rupiah)


No. Description 2011 2010

1 2 3 4

Unused Financing Facilities Granted to Customers Outstanding Irrevocable L/C Guarantees (Kafalah) Issued Others

FINANCIAL STATEMENT

FOREIGN EXCHANGE & PUBLIC LISTED BANK


REPORT SOURCE AND USE OF FUNDS ZIS As at 30 September 2011 and 30 September 2010 (in million Rupiah)

No.

DESCRIPTION

2011

2010

1 Source ZIS fund beginning year 2 Source ZIS fund a. Zakat from bank b. Zakat from non bank c. Infaq and shadaqah Total Soure ZIS fund 3 Utilizing ZIS fund 3.1. Distribute to others institution a. --b. --3.2. Distribute by PT. Bank OCBC NISP Total Utilizing ZIS fund 4 Increase (Decrease) source of utilizing 5 Source ZIS fund end of year REPORT SOURCE AND USE OF FUNDS QARDH As at 30 September 2011 and 30 September 2010 (in million Rupiah)

No.

DESCRIPTION

2011

2010

1 Source Qardh fund beginning year 2 Source Qardh fund a. Infaq and shadaqah b. Fine c. Donation d. Non halal income e. Others Total source Qardh fund 3 Utilizing Qardh fund a. Lending b. Donation c. Others Total Utilizing Qardh fund 4 Increase (decrease) source of utilizing 5 Source Qardh fund end of year

STATEMENTS OF CHANGES IN RESTRICTED INVESTMENT FUND As at 30 September 2011 and 30 September 2010 (in million Rupiah) No. DESCRIPTION 2011 2010

1 Begining year information Portfolio finance (Project) Begining balace 2 Current year information Received fund Withdraw fund -/Profit (Loss) Investasi Cost / Expense -/Fee / Bank Income -/3 End year information Portfolio finance (Project) Ending Balance

No.

TYPE ACCUMULIATION

DISTRIBUTION TABLE FOR PROFIT SHARING For The Nine Month Period Ended 30 September 2011 and 2010 (in million rupiah) AVERAGE RESULTS BALANCE TO BE SHARED REVENUE A B 35 5,827 1,864 114,863 -

NISBAH % C -

OWNER PORTION OF FUNDS BONUSES RATE INDICATION & PROFIT SHARING OF RETURN % D E -

1 Demand deposits iB a. Bank b. Non Bank 2 Savings iB a. Bank b. Non Bank 3 Time deposits iB a. Bank - 1 month - 3 month - 6 month - 12 month b. Non Bank - 1 month - 3 month - 6 month - 12 month TOTAL

10,223 2,583 135,395

452 114 566

40% 40% -

43 11 54

5.00% 5.00% 2.03%

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 2009. The 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.
Board of Sharia Supervision Sharia bussiness unit

Dr. Muhammad Anwar Ibrahim

Koko Tjatur Rachmadi