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LPENDAPATAN DAN (BEBAN) NON OPERASIONAL (NON OPERATIONAL INCOME (EXPENSES) )(CLABA (RUGI) TAHU
PTOTAL LABA KOMPREHENSIF TAHUN BERJALAN (CURRENT YEAR TOTAL COMPREHENSIVE PROFIT)'
ASET (ASSETS)
Kas (Cash)
<Penempatan pada Bank Indonesia (Placement to Bank Indonesia)
/Penempatan pada bank lain (Interbank placement)
8Tagihan spot dan derivatif (Spot and derivatives claims)
Surat berharga (Securities)
bDiukur pada nilai wajar melalui laporan laba/rugi (Measured at fair value through profit and loss)2
*Tersedia untuk dijual (Available for sale)
.Dimiliki hingga jatuh tempo (Hold to maturity)
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qSurat berharga yang dijual dengan janji dibeli kembali (repo) (Securities sold under repurchase agreement (repo))7
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%Tagihan akseptasi (Acceptance claims)
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+Pembiayaan syariah 1) (Sharia financing 1))
Penyertaan (Equity investment)
XCadangan kerugian penurunan nilai aset keuangan -/- (Impairment on financial assets -/-)4
Lainnya (Others)
'Aset tidak berwujud (Intangible assets)
Àkumulasi amortisasi aset tidak berwujud -/- (Accumulated amortisation on intangible assets -/-)-
6Aset tetap dan inventaris (Fixed assets and equipment)
oAkumulasi penyusutan aset tetap dan inventaris -/- (Accumulated depreciation on fixed assets and equipment -/-)3
)Aset non produktif (Non Productive Asset)
*Properti terbengkalai (Abandoned property)
+Aset yang diambil alih (Foreclosed assets)
Rekening tunda (Suspense accounts)
(Aset antarkantor 2) (Interbranch assets)
ì. Melakukan kegiatan operasional di Indonesia (Conducting operational activities in Indonesia)0
jii. Melakukan kegiatan operasional di luar Indonesia (Conducting operational activities outside Indonesia)5
dCadangan kerugian penurunan nilai dari aset non keuangan -/- (Imparment on Non Financial Assets -/-)=
Sewa pembiayaan 3) (Leasing 3))
*Aset pajak tangguhan (Deferred tax assets)
+Aset pajak tangguhan (Deferred tax assets)
Aset Lainnya (Other assets)
TOTAL ASET (TOTAL ASSETS)1LIABILITAS DAN EKUITAS (LIABILITIES AND EQUITIES)LIABILITAS (LIABILITIES)Giro (
Tabungan (Saving account)
!Simpanan berjangka (Time deposit)
ADana investasi revenue sharing 1) (Revenue sharing investment 1))
<Pinjaman dari Bank Indonesia (Liabilities to Bank Indonesia)
/Pinjaman dari bank lain (Interbank liabilities)
@Liabilitas spot dan derivatif (Spot and derivatives liabilities)
„Utang atas surat berharga yang dijual dengan janji dibeli kembali (repo) (Liabilities on securities sold under repurchase agree
(Utang akseptasi (Acceptance liabilities)
3Surat berharga yang diterbitkan (Issued securities)
'Pinjaman yang diterima (Loans received)
NPinjaman yang dapat diperhitungkan sebagai modal (Loans calculated as capital)1
5Pinjaman yang diterima lainnya (Other loans received)
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Setoran jaminan (Margin deposit)

3Liabilitas antarkantor 2) (Interbranch liabilities)
\Melakukan kegiatan operasional di Indonesia (Conducting operational activities in Indonesia)
fMelakukan kegiatan operasional di luar Indonesia (Conducting operational activities outside Indonesia)1
5Liabilitas pajak tangguhan (Deferred tax liabilities)
&Liabilitas lainnya (Other liabilities)
?Dana investasi profit sharing 1) (Profit Sharing investment 1))!
$TOTAL LIABILITAS (TOTAL LIABILITIES)EKUITAS (EQUITIES)Modal disetor (Paid in capital)
Modal dasar (Capital)
1Modal yang belum disetor -/- (Unpaid capital -/-)

CSaham yang dibeli kembali (treasury stock) -/- (Treasury stock -/-)/
3Tambahan modal disetor (Additional paid in capital)
Agio (Agio)
Disagio -/- (Disagio -/-)
!Modal sumbangan (Donated capital)
-Dana setoran modal (Fund for paid up capital)
LPendapatan (kerugian) komprehensif lainnya (Other comprehensive gain (loss))+
sPenyesuaian akibat penjabaran laporan keuangan dalam mata uang asing (Translation adjustment from foreign currency)E
±Keuntungan(kerugian) dari perubahan nilai aset keuangan dalam kelompok tersedia untuk dijual (Gain (loss) on value chang
LBagian efektif lindung nilai arus kas (Effective portion of cash flow hedge)&
LSelisih penilaian kembali aset tetap (Difference in fixed asset revaluation)%
qBagian pendapatan komprehensif lain dari entitas asosiasi (Portion of other comprehensive income from associates):
hKeuntungan (kerugian) aktuarial program manfaat pasti (Gain (loss) on defined benefit actuarial program)6
bPajak penghasilan terkait dengan laba komprehensif lain (Income tax of other comprehensive income)8
ESelisih kuasi reorganisasi 4) (Difference in quasi-reorganization 4))
eSelisih restrukturisasi entitas sepengendali 5) (Difference in restructuring under common control 5))0
Ekuitas Lainnya (Other Equity)
Cadangan (Reserves)
Cadangan umum (General reserves)
'Cadangan tujuan (Appropriated reserves)
Laba/rugi (Gain/loss)
!Tahun-tahun lalu (Previous years)

Tahun berjalan (Current year)
]TOTAL EKUITAS YANG DAPAT DIATRIBUSIKAN KEPADA PEMILIK (TOTAL EQUITIES ATTRIBUTABLE TO OWNERS)64
TOTAL EKUITAS (TOTAL EQUITIES)=TOTAL LIABILITAS DAN EKUITAS (TOTAL LIABILITIES AND EQUITIES)BPENDAPA
#2.Beban Bunga (Interest expenses)
@Pendapatan (Beban) Bunga bersih (Net interest income (expenses))
B.LPendapatan Operasional Selain Bunga (Operational Income Other than Interest)$
i. Surat berharga (Securities)
ii. Kredit (Loans)
.iii. Spot dan derivatif (Spot and derivatives)
2iv. Aset keuangan lainnya (Other financial assets)
3iii. Aset keuangan lainnya (Other financial assets)
IBeban Operasional Selain Bunga (Operational Expenses Other than Interest)
Rupiah (Rupiah)
Valuta Asing (Foreign currency)
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SPeningkatan nilai wajar aset keuangan (Positive mark to market on financial assets)&
\Penurunan nilai wajar liabilitas keuangan (Negative mark to market on financial liabilities)*
EKeuntungan penjualan aset keuangan (Gain on sale of financial assets)#
\Keuntungan transaksi spot dan derivatif (realised) (Gain on spot and derivatives (realised))3
XKeuntungan dari penyertaan dengan equity method (Gain on investment under equity method)0
Dividen (Dividend)
Pkomisi/provisi/fee dan administrasi (Comission/provision/fee and administration)$
OPemulihan atas cadangan kerugian penurunan nilai (Recovery of asset impairment)1
!Pendapatan lainnya (Other income)
QPenurunan nilai wajar aset keuangan (Negative mark to market on financial assets)$
ii. Kredit (Loans)
^Peningkatan nilai wajar liabilitas keuangan (Positive mark to market on financial liabilities)
CKerugian penjualan aset keuangan (Los< s on sale of financial assets)!
ZKerugian transaksi spot dan derivatif (realised) (Loss on spot and derivatives (realised))1
TKerugian penurunan nilai aset keuangan (impairment) (Impairment of financial assets)4
*iii. Pembiayaan syariah (Sharia financing)
FKerugian terkait risiko operasional *) (Losses on operational risk *))'
XKerugian dari penyertaan dengan equity method (Losses on investment under equity method).
R
hKerugian penurunan nilai aset lainnya (non keuangan) (Impairment of other assets (non financial assets))5
j.'Beban tenaga kerja (Personnel expenses)
k."Beban promosi (Promotion expenses)
l.Beban lainnya (Other expenses)
lPendapatan (Beban) Operasional Selain Bunga Bersih (Net Operational Income (Expenses) Other than Interest )3
3LABA (RUGI) OPERASIONAL (OPERATIONAL PROFIT (LOSS))NERACA (BALANCE SHEETS)mKeuntungan (kerugian) p
fKeuntungan (kerugian) penjabaran transaksi valuta asing (Gain (loss) on foreign exchange translation )8
3.UPendapatan (beban) non operasional lainnya (Other non operational income (expenses) )+
;LABA (RUGI) NON OPERASIONAL (NON OPERATIONAL PROFIT (LOSS))
ELABA (RUGI) TAHUN BERJALAN SEBELUM PAJAK (CURRENT YEAR PROFIT (LOSS)))
Pajak Penghasilan (Income taxes)
4.:Taksiran pajak tahun berjalan (Estimated current year tax)
CPendapatan (beban) pajak tangguhan (Deferred tax income (expenses))#
³Keuntungan (kerugian) dari perubahan nilai aset keuangan dalam kelompok tersedia untuk dijual (Gain (loss) on value chang
QBagian efektif dari lindung nilai arus kas (Effective portion of cash flow hedge)+
AKeuntungan revaluasi aset tetap (Gain on fixed asset revaluation)
fpenghasilan terkait dengan laba komprehensif lain(-/-) (Income tax of other comprehensive income(-/-))7
PEMILIK (OWNER)
.KEPENTINGAN NON PENGENDALI (MINORITY INTEREST)
5TOTAL LABA TAHUN BERJALAN (CURRENT YEAR TOTAL PROFIT)
9Pendapatan dan Beban Bunga (Interest income and expenses)cPendapatan dan Beban Operasional selain Bunga (Operatio
[Fasilitas kredit kepada nasabah yang belum ditarik (Undisbursed loan facilities to debtors)3
BUMN (BUMN)
i. Committed (Committed)
!- Valuta Asing (Foreign Currency)

ii. Uncommitted (Uncommitted )
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646391381
i. Committed (Committed )
ii. Uncommitted (Uncommitted)
aFasilitas kredit kepada bank lain yang belum ditarik (Undisbursed loan facilities to other banks)5
Committed (Committed)
BIrrevocable L/C yang masih berjalan (Outstanding irrevocable L/C )$

L/C luar negeri (Foreign L/C)
L/C dalam negeri (Local L/C)
Lainnya (Others)
5.aPosisi penjualan spot dan derivatif yang masih berjalan (Outstanding spot and derivatives (sold))8
Uncommitted (Uncommitted )
+Garansi yang diterima (Received guarantees)
6Pendapatan bunga dalam penyelesaian (Accrued interest)$
+Bunga kredit yang diberikan (Loan interest)
*Garansi yang diberikan (Issued guarantees)
Lainnya (Others))KEWAJIBAN KOMITMEN (COMMITED LIABILITIES)'TAGIHAN KONTINJENSI (CONTINGENT CLAIMS).K
Forward (Forward)
Option (Option)
a. Jual (Purchased)
b. Beli (Written)
Future (Future)
Swap (Swap)
Lainnya (Other)
1Terkait dengan Suku Bunga (Interest Rate Related)Lainnya (Others)NO.JUMLAH (TOTAL)
Desember 2012
Desember 20117.8.9.10.11. a.Rupiah (Rupiah)
0Penempatan pada bank lain (Interbank placement )

% b.Valuta Asing (Foreign currency)
7Tagihan spot dan derivatif (Spot dan derivative claims)
PIHAK TERKAIT (RELATED PARTIES)qSurat Berharga yang dijual dengan janji dibeli kembali (Repo) (Securities sold under
ƒTagihan atas surat berharga yang dibeli dengan janji dijual kembali (Reverse Repo) (Claims on securities bought under reve
%Tagihan Akseptasi (Acceptance claims)
[
i. Rupiah (Rupiah)
#ii. Valuta Asing (Foreign currency)

C
2Kredit yang direstrukturisasi (Restructured loans)
Kredit Properti (Loan on property)
8Penyertaan modal sementara (Temporary equity investment)
7Komitmen dan Kontinjensi (Commitment and contingencies)
*Aset yang diambil alih (Foreclosed assets)
-II. PIHAK TIDAK TERKAIT (NON-RELATED PARTIES)qSurat Berharga yang dijual dengan janji dibeli kembali (Repo) (Secu
?Total aset bank yang dijaminkan (Assets pledged as collateral):
. a. Pada Bank Indonesia (To Bank Indonesia)
) b. Pada pihak lain (To other parties)
"INFORMASI LAIN (OTHER INFORMATION)UTotal CKPN aset keuangan atas aset produktif (Impairment provision on earnin
[Total PPA yang wajib dibentuk atas aset produktif (Required regulatory provision on assets)2
Page 15
646391381
ˆ
ˆ
Persentase jumlah debitur Usaha Mikro Kecil (UMK) terhadap total debitur (Percentage of micro and small enterprises (UMK
Penerusan kredit (Channeling)
qAset produktif dihapusbuku yg dipulihkan/berhasil ditagih (Written off earning assets that has been re-collected):
>Aset produktif yang dihapus tagih (Charged off earning assets)"
###
###
>LABA YANG DAPAT DIATRIBUSIKAN KEPADA (PROFIT ATTRIBUTABLE TO):%eTOTAL LABA KOMPREHENSIF YANG
Modal Disetor (Paid in Capital)
'Faktor penambah *) (Additional factors)

%Modal Sumbangan (Contributed capital)
Cadangan Umum (General reserves)
#Cadangan Tujuan (Spesific reserves)
zLaba tahun-tahun lalu yang dapat diperhitungkan (100%) (Previous years profit which can be calculated into capital (100%))7
tLaba tahun berjalan yang dapat diperhitungkan (50%) (Current year profit which can be calculated into capital (50%))4
iSelisih lebih karena penjabaran laporan keuangan (Positive translation adjustment of financial statement)1
!Dana setoran modal (Capital fund)
3Waran yang diterbitkan (50%) (Issued warrant (50%))
†Opsi saham yang diterbitkan dalam rangka program kompensasi berbasis saham (50%) (< Stock option issued related to co
'Faktor Pengurang *) (Deduction factors)
Disagio (Disagio)
yRugi tahun-tahun lalu yang dapat diperhitungkan (100%) (Previous years loss which can be calculated into capital (100%))8
uRugi tahun berjalan yang dapat diperhitungkan (100%) (Current year loss which can be calculated into capital (100%))6
jSelisih kurang karena penjabaran laporan keuangan (Negative translation adjustment of financial statement)2
ÜPendapatan komprehensif lain : Kerugian dari penurunan nilai wajar atas penyertaan dalam kategori Tersedia untuk Dijual
©Selisih kurang antara PPA dan cadangan kerugian penurunan nilai atas aset produktif (Negative differences between regul
†Penyisihan Penghapusan Aset (PPA) atas aset non produktif yang wajib dihitung (Required regulatory provision on non prod
·Selisih kurang jumlah penyesuaian nilai wajar dari instrumen keuangan dalam trading book (Negative differences on adjustm
&Modal Inovatif *) (Innovative Capital)
iSurat berharga subordinasi (perpetual non kumulatif) (Subordinated securities (perpetual non cumulative))5
^Pinjaman Subordinasi (perpetual non kumulatif) (Subordinated loans (perpetual non cumulative))/
GInstrumen Modal Inovatif lainnya (Other innovative capital instruments)!
DFaktor Pengurang Modal Inti *) (Deduction Factor of Tier 1 Capital)
Goodwill (Goodwill)
5Aset tidak berwujud lainnya (Other intangible assets)
*Penyertaan (50%) (Equity investment (50%))
mKekurangan modal pada perusahaan anak asuransi (50%) (Shortfall on the capital of insurance subsidiary (50%))5
.Kepentingan Non Pengendali (Minority Interest)
&Modal Pelengkap (Suplementary Capital)
MSaham preferen (perpetual kumulatif) (Preferred stock (perpetual cumulative))%

aSurat berharga subordinasi (perpetual kumulatif) (Subordinated securities (perpetual cumulative))1
VPinjaman Subordinasi (perpetual kumulatif) (Subordinated loans (perpetual cumulative))+
7Mandatory convertible bond (Mandatory convertible bond)
Modal Inovatif yang tidak diperhitungkan sebagai Modal inti (Innovative capital which is not calculated as core (tier 1) capita
gInstrumen modal pelengkap level atas (upper tier 2) lainnya (Other instruments of upper tier 2 capital)<
0Revaluasi aset tetap (Fixed assets revaluation)
Page 16
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k
¾Pendapatan komprehensif lain : Keuntungan dari peningkatan nilai wajar atas penyertaan dlm kategori Tersedia untuk Dijua
bLevel Bawah (Lower Tier 2) maksimum 50% Modal Inti *) (Lower Tier 2 maximum 50% of Tier 1 Capital)6
;Redeemable preference shares (Redeemable preference shares)
oPinjaman atau obligasi subordinasi yang dapat diperhitungkan (Subordinated loans/bonds which can be calculated)=
hInstrumen modal pelengkap level bawah (lower tier 2) lainnya (Other instruments of lower tier 2 capital)=
HFaktor Pengurang Modal Pelengkap *) (Deduction Factor of Tier 2 Capital)$
hFaktor Pengurang Modal Inti dan Modal Pelengkap (Deduction Factor for Tier 1 Capital and Tier 2 Capital)0
2Eksposur Sekuritisasi (Exposure of Securitisation)
gModal Pelengkap Tambahan Yang Memenuhi Persyaratan (Tier 3) (Additional Supplementary Capital (Tier 3))<
œModal Pelengkap Tambahan yang Dialokasikan untuk Mengantisipasi Risiko pasar (Additional Supplementary Capital which
8Giro Wajib Minimum (GWM) (Reserve Requirement (Rupiahs))

/GWM Utama Rupiah (Reserve Requirement (Rupiah))
9GWM Valuta asing (Reserve Requirement (Foreign currency))
?Posisi Devisa Neto (PDN) secara keseluruhan (Net Open Position)
×Aset produktif bermasalah dan aset non produktif bermasalah terhadap total aset produktif dan aset non produktif (Non perf
nAset produktif bermasalah terhadap total aset produktif (Non performing earning assets and non earning assets)8
Cadangan kerugian penurunan nilai (CKPN) aset keuangan terhadap aset produktif (Impairment provision on earning assets
NPL gross (Gross NPL)
NPL net (Net NPL)

Return on Asset (ROA) (ROA)
Return on Equity (ROE) (ROE)
Net Interest Margin (NIM) (NIM)
cBiaya Operasional terhadap Pendapatan Operasional (BOPO) (Operating Expenses to Operating Revenues)9
!Loan to Deposit Ratio (LDR) (LDR)
JPersentase Pelanggaran BMPK ( Percentage Violation of Legal Lending Limit)
TPersentase Pelampauan BMPK (Percentage Lending in Excess of The Legal Lending Limit)
Page 17
646391381
i. Pihak terkait (Related parties)

-ii. Pihak tidak terkait (Non related parties)
(dalam persen/percent)
DESEMBER 2012
DESEMBER 2011
IndividualSurat Berharga (Securities)
Kredit (Loans)
=Transaksi rekening adminitratif (Commitment and contigencies)
?TRANSAKSI SPOT DAN DERIVATIF (SPOT AND DERIVATIVE TRANSACTIONS)8CADANGAN PENYISIHAN KERUGIAN
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(Sub Standar)
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Persentase kredit kepada Usaha Mikro Kecil (UMK) terhadap total kredit (Percentage of loans to micro and small enterprise
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LPENDAPATAN DAN (BEBAN) NON OPERASIONAL (NON OPERATIONAL INCOME (EXPENSES) )(CLABA (RUGI) TAHUN
ASET (ASSETS)
Kas (Cash)
<Penempatan pada Bank Indonesia (Placement to Bank Indonesia)
/Penempatan pada bank lain (Interbank placement)
8Tagihan spot dan derivatif (Spot and derivatives claims)
Surat berharga (Securities)
bDiukur pada nilai wajar melalui laporan laba/rugi (Measured at fair value through profit and loss)2
*Tersedia untuk dijual (Available for sale)
.Dimiliki hingga jatuh tempo (Hold to maturity)
:Pinjaman yang diberikan dan piutang (Loan and receivables)$
qSurat berharga yang dijual dengan janji dibeli kembali (repo) (Securities sold under repurchase agreement (repo))7
ƒTagihan atas surat berharga yang dibeli dengan janji dijual kembali (reverse repo) (Claims on securities bought under reverse
%Tagihan akseptasi (Acceptance claims)
Kredit (Loans)
+Pembiayaan syariah 1) (Sharia financing 1))
XCadangan kerugian penurunan nilai aset keuangan -/- (Impairment on financial assets -/-)4
Lainnya (Others)
'Aset tidak berwujud (Intangible assets)
Àkumulasi amortisasi aset tidak berwujud -/- (Accumulated amortisation on intangible assets -/-)-
6Aset tetap dan inventaris (Fixed assets and equipment)
oAkumulasi penyusutan aset tetap dan inventaris -/- (Accumulated depreciation on fixed assets and equipment -/-)3
)Aset non produktif (Non Productive Asset)
*Properti terbengkalai (Abandoned property)
+Aset yang diambil alih (Foreclosed assets)
Rekening tunda (Suspense accounts)
(Aset antarkantor 2) (Interbranch assets)
ì. Melakukan kegiatan operasional di Indonesia (Conducting operational activities in Indonesia)0
jii. Melakukan kegiatan operasional di luar Indonesia (Conducting operational activities outside Indonesia)5
dCadangan kerugian penurunan nilai dari aset non keuangan -/- (Imparment on Non Financial Assets -/-)=
*Aset pajak tangguhan (Deferred tax assets)
+Aset pajak tangguhan (Deferred tax assets)
Aset Lainnya (Other assets)
TOTAL ASET (TOTAL ASSETS)1LIABILITAS DAN EKUITAS (LIABILITIES AND EQUITIES)LIABILITAS (LIABILITIES)Giro (C
Tabungan (Saving account)
!Simpanan berjangka (Time deposit)
ADana investasi revenue sharing 1) (Revenue sharing investment 1))
<Pinjaman dari Bank Indonesia (Liabilities to Bank Indonesia)
/Pinjaman dari bank lain (Interbank liabilities)
@Liabilitas spot dan derivatif (Spot and derivatives liabilities)
„Utang atas surat berharga yang dijual dengan janji dibeli kembali (repo) (Liabilities on securities sold under repurchase agreem
(Utang akseptasi (Acceptance liabilities)
3Surat berharga yang diterbitkan (Issued securities)
'Pinjaman yang diterima (Loans received)
NPinjaman yang dapat diperhitungkan sebagai modal (Loans calculated as capital)1
5Pinjaman yang diterima lainnya (Other loans received)
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Setoran jaminan (Margin deposit)

3Liabilitas antarkantor 2) (Interbranch liabilities)
\Melakukan kegiatan operasional di Indonesia (Conducting operational activities in Indonesia)
fMelakukan kegiatan operasional di luar Indonesia (Conducting operational activities outside Indonesia)1
5Liabilitas pajak tangguhan (Deferred tax liabilities)
&Liabilitas lainnya (Other liabilities)
?Dana investasi profit sharing 1) (Profit Sharing investment 1))!
$TOTAL LIABILITAS (TOTAL LIABILITIES)EKUITAS (EQUITIES)Modal disetor (Paid in capital)
Modal dasar (Capital)
1Modal yang belum disetor -/- (Unpaid capital -/-)

CSaham yang dibeli kembali (treasury stock) -/- (Treasury stock -/-)/
3Tambahan modal disetor (Additional paid in capital)
Agio (Agio)
Disagio -/- (Disagio -/-)
!Modal sumbangan (Donated capital)
-Dana setoran modal (Fund for paid up capital)
LPendapatan (kerugian) komprehensif lainnya (Other comprehensive gain (loss))+
sPenyesuaian akibat penjabaran laporan keuangan dalam mata uang asing (Translation adjustment from foreign currency)E
±Keuntungan(kerugian) dari perubahan nilai aset keuangan dalam kelompok tersedia untuk dijual (Gain (loss) on value change
LBagian efektif lindung nilai arus kas (Effective portion of cash flow hedge)&
LSelisih penilaian kembali aset tetap (Difference in fixed asset revaluation)%
qBagian pendapatan komprehensif lain dari entitas asosiasi (Portion of other comprehensive income from associates):
hKeuntungan (kerugian) aktuarial program manfaat pasti (Gain (loss) on defined benefit actuarial program)6
bPajak penghasilan terkait dengan laba komprehensif lain (Income tax of other comprehensive income)8
ESelisih kuasi reorganisasi 4) (Difference in quasi-reorganization 4))
eSelisih restrukturisasi entitas sepengendali 5) (Difference in restructuring under common control 5))0
Ekuitas Lainnya (Other Equity)
Cadangan (Reserves)
Cadangan umum (General reserves)
'Cadangan tujuan (Appropriated reserves)
Laba/rugi (Gain/loss)
!Tahun-tahun lalu (Previous years)

Tahun berjalan (Current year)
]TOTAL EKUITAS YANG DAPAT DIATRIBUSIKAN KEPADA PEMILIK (TOTAL EQUITIES ATTRIBUTABLE TO OWNERS)64K
TOTAL EKUITAS (TOTAL EQUITIES)=TOTAL LIABILITAS DAN EKUITAS (TOTAL LIABILITIES AND EQUITIES)BPENDAPAT
#2.Beban Bunga (Interest expenses)
@Pendapatan (Beban) Bunga bersih (Net interest income (expenses))
B.LPendapatan Operasional Selain Bunga (Operational Income Other than Interest)$
ii. Kredit (Loans)
.iii. Spot dan derivatif (Spot and derivatives)
2iv. Aset keuangan lainnya (Other financial assets)
3iii. Aset keuangan lainnya (Other financial assets)
IBeban Operasional Selain Bunga (Operational Expenses Other than Interest)
Rupiah (Rupiah)
Valuta Asing (Foreign currency)
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SPeningkatan nilai wajar aset keuangan (Positive mark to market on financial assets)&
\Penurunan nilai wajar liabilitas keuangan (Negative mark to market on financial liabilities)*
EKeuntungan penjualan aset keuangan (Gain on sale of financial assets)#
\Keuntungan transaksi spot dan derivatif (realised) (Gain on spot and derivatives (realised))3
XKeuntungan dari penyertaan dengan equity method (Gain on investment under equity method)0
Dividen (Dividend)
Pkomisi/provisi/fee dan administrasi (Comission/provision/fee and administration)$
OPemulihan atas cadangan kerugian penurunan nilai (Recovery of asset impairment)1
!Pendapatan lainnya (Other income)
QPenurunan nilai wajar aset keuangan (Negative mark to market on financial assets)$
ii. Kredit (Loans)
^Peningkatan nilai wajar liabilitas keuangan (Positive mark to market on financial liabilities)
CKerugian penjualan aset keuangan (Los< s on sale of financial assets)!
ZKerugian transaksi spot dan derivatif (realised) (Loss on spot and derivatives (realised))1
TKerugian penurunan nilai aset keuangan (impairment) (Impairment of financial assets)4
*iii. Pembiayaan syariah (Sharia financing)
FKerugian terkait risiko operasional *) (Losses on operational risk *))'
XKerugian dari penyertaan dengan equity method (Losses on investment under equity method).
and administration)$
hKerugian penurunan nilai aset lainnya (non keuangan) (Impairment of other assets (non financial assets))5
j.'Beban tenaga kerja (Personnel expenses)
k."Beban promosi (Promotion expenses)
l.Beban lainnya (Other expenses)
lPendapatan (Beban) Operasional Selain Bunga Bersih (Net Operational Income (Expenses) Other than Interest )3
3LABA (RUGI) OPERASIONAL (OPERATIONAL PROFIT (LOSS))NERACA (BALANCE SHEETS)mKeuntungan (kerugian) pe
fKeuntungan (kerugian) penjabaran transaksi valuta asing (Gain (loss) on foreign exchange translation )8
3.UPendapatan (beban) non operasional lainnya (Other non operational income (expenses) )+
;LABA (RUGI) NON OPERASIONAL (NON OPERATIONAL PROFIT (LOSS))
ELABA (RUGI) TAHUN BERJALAN SEBELUM PAJAK (CURRENT YEAR PROFIT (LOSS)))
Pajak Penghasilan (Income taxes)
4.:Taksiran pajak tahun berjalan (Estimated current year tax)
CPendapatan (beban) pajak tangguhan (Deferred tax income (expenses))#
³Keuntungan (kerugian) dari perubahan nilai aset keuangan dalam kelompok tersedia untuk dijual (Gain (loss) on value change
QBagian efektif dari lindung nilai arus kas (Effective portion of cash flow hedge)+
AKeuntungan revaluasi aset tetap (Gain on fixed asset revaluation)
fpenghasilan terkait dengan laba komprehensif lain(-/-) (Income tax of other comprehensive income(-/-))7
PEMILIK (OWNER)
.KEPENTINGAN NON PENGENDALI (MINORITY INTEREST)
5TOTAL LABA TAHUN BERJALAN (CURRENT YEAR TOTAL PROFIT)
9Pendapatan dan Beban Bunga (Interest income and expenses)cPendapatan dan Beban Operasional selain Bunga (Operation
[Fasilitas kredit kepada nasabah yang belum ditarik (Undisbursed loan facilities to debtors)3
BUMN (BUMN)
i. Committed (Committed)
!- Valuta Asing (Foreign Currency)

ii. Uncommitted (Uncommitted )
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i. Committed (Committed )
ii. Uncommitted (Uncommitted)
aFasilitas kredit kepada bank lain yang belum ditarik (Undisbursed loan facilities to other banks)5
Committed (Committed)
BIrrevocable L/C yang masih berjalan (Outstanding irrevocable L/C )$

L/C luar negeri (Foreign L/C)
L/C dalam negeri (Local L/C)
Lainnya (Others)
5.aPosisi penjualan spot dan derivatif yang masih berjalan (Outstanding spot and derivatives (sold))8
Uncommitted (Uncommitted )
+Garansi yang diterima (Received guarantees)
6Pendapatan bunga dalam penyelesaian (Accrued interest)$
+Bunga kredit yang diberikan (Loan interest)
*Garansi yang diberikan (Issued guarantees)
Lainnya (Others))KEWAJIBAN KOMITMEN (COMMITED LIABILITIES)'TAGIHAN KONTINJENSI (CONTINGENT CLAIMS).KE
Forward (Forward)
Option (Option)
a. Jual (Purchased)
b. Beli (Written)
Future (Future)
Swap (Swap)
Lainnya (Other)
1Terkait dengan Suku Bunga (Interest Rate Related)Lainnya (Others)NO.JUMLAH (TOTAL)
Desember 2012
Desember 20117.8.9.10.11. a.Rupiah (Rupiah)
0Penempatan pada bank lain (Interbank placement )

% b.Valuta Asing (Foreign currency)
7Tagihan spot dan derivatif (Spot dan derivative claims)
PIHAK TERKAIT (RELATED PARTIES)qSurat Berharga yang dijual dengan janji dibeli kembali (Repo) (Securities sold under r
ƒTagihan atas surat berharga yang dibeli dengan janji dijual kembali (Reverse Repo) (Claims on securities bought under revers
%Tagihan Akseptasi (Acceptance claims)
Kecil dan Menengah (UMKM) (Micro
i. Rupiah (Rupiah)
#ii. Valuta Asing (Foreign currency)

small and medium enterprises (UMKM))
2Kredit yang direstrukturisasi (Restructured loans)
Kredit Properti (Loan on property)
8Penyertaan modal sementara (Temporary equity investment)
7Komitmen dan Kontinjensi (Commitment and contingencies)
*Aset yang diambil alih (Foreclosed assets)
-II. PIHAK TIDAK TERKAIT (NON-RELATED PARTIES)qSurat Berharga yang dijual dengan janji dibeli kembali (Repo) (Securi
?Total aset bank yang dijaminkan (Assets pledged as collateral):
. a. Pada Bank Indonesia (To Bank Indonesia)
) b. Pada pihak lain (To other parties)
"INFORMASI LAIN (OTHER INFORMATION)UTotal CKPN aset keuangan atas aset produktif (Impairment provision on earning
[Total PPA yang wajib dibentuk atas aset produktif (Required regulatory provision on assets)2
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small
small
Persentase jumlah debitur Usaha Mikro Kecil (UMK) terhadap total debitur (Percentage of micro and small enterprises (UMK)
Penerusan kredit (Channeling)
qAset produktif dihapusbuku yg dipulihkan/berhasil ditagih (Written off earning assets that has been re-collected):
>Aset produktif yang dihapus tagih (Charged off earning assets)"
>LABA YANG DAPAT DIATRIBUSIKAN KEPADA (PROFIT ATTRIBUTABLE TO):%eTOTAL LABA KOMPREHENSIF YANG D
Modal Disetor (Paid in Capital)
Cadangan Tambahan Modal (Disclosed reserves)
'Faktor penambah *) (Additional factors)
%Modal Sumbangan (Contributed capital)
Cadangan Umum (General reserves)
#Cadangan Tujuan (Spesific reserves)
zLaba tahun-tahun lalu yang dapat diperhitungkan (100%) (Previous years profit which can be calculated into capital (100%))7
tLaba tahun berjalan yang dapat diperhitungkan (50%) (Current year profit which can be calculated into capital (50%))4
iSelisih lebih karena penjabaran laporan keuangan (Positive translation adjustment of financial statement)1
!Dana setoran modal (Capital fund)
3Waran yang diterbitkan (50%) (Issued warrant (50%))
†Opsi saham yang diterbitkan dalam rangka program kompensasi berbasis saham (50%) (< Stock option issued related to com
'Faktor Pengurang *) (Deduction factors)
Disagio (Disagio)
yRugi tahun-tahun lalu yang dapat diperhitungkan (100%) (Previous years loss which can be calculated into capital (100%))8
uRugi tahun berjalan yang dapat diperhitungkan (100%) (Current year loss which can be calculated into capital (100%))6
jSelisih kurang karena penjabaran laporan keuangan (Negative translation adjustment of financial statement)2
ÜPendapatan komprehensif lain : Kerugian dari penurunan nilai wajar atas penyertaan dalam kategori Tersedia untuk Dijual (O
©Selisih kurang antara PPA dan cadangan kerugian penurunan nilai atas aset produktif (Negative differences between regula
†Penyisihan Penghapusan Aset (PPA) atas aset non produktif yang wajib dihitung (Required regulatory provision on non produ
·Selisih kurang jumlah penyesuaian nilai wajar dari instrumen keuangan dalam trading book (Negative differences on adjustme
&Modal Inovatif *) (Innovative Capital)
iSurat berharga subordinasi (perpetual non kumulatif) (Subordinated securities (perpetual non cumulative))5
^Pinjaman Subordinasi (perpetual non kumulatif) (Subordinated loans (perpetual non cumulative))/
GInstrumen Modal Inovatif lainnya (Other innovative capital instruments)!
DFaktor Pengurang Modal Inti *) (Deduction Factor of Tier 1 Capital)
Goodwill (Goodwill)
5Aset tidak berwujud lainnya (Other intangible assets)
*Penyertaan (50%) (Equity investment (50%))
mKekurangan modal pada perusahaan anak asuransi (50%) (Shortfall on the capital of insurance subsidiary (50%))5
.Kepentingan Non Pengendali (Minority Interest)
&Modal Pelengkap (Suplementary Capital)
Level Atas (Upper Tier 2) *) (Upper Tier 2)
MSaham preferen (perpetual kumulatif) (Preferred stock (perpetual cumulative))%
aSurat berharga subordinasi (perpetual kumulatif) (Subordinated securities (perpetual cumulative))1
VPinjaman Subordinasi (perpetual kumulatif) (Subordinated loans (perpetual cumulative))+
7Mandatory convertible bond (Mandatory convertible bond)
Modal Inovatif yang tidak diperhitungkan sebagai Modal inti (Innovative capital which is not calculated as core (tier 1) capital)<
gInstrumen modal pelengkap level atas (upper tier 2) lainnya (Other instruments of upper tier 2 capital)<
0Revaluasi aset tetap (Fixed assets revaluation)
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25% ATMR) (General provision of earning assets (maximum 1

¾Pendapatan komprehensif lain : Keuntungan dari peningkatan nilai wajar atas penyertaan dlm kategori Tersedia untuk Dijual
bLevel Bawah (Lower Tier 2) maksimum 50% Modal Inti *) (Lower Tier 2 maximum 50% of Tier 1 Capital)6
;Redeemable preference shares (Redeemable preference shares)
oPinjaman atau obligasi subordinasi yang dapat diperhitungkan (Subordinated loans/bonds which can be calculated)=
hInstrumen modal pelengkap level bawah (lower tier 2) lainnya (Other instruments of lower tier 2 capital)=
HFaktor Pengurang Modal Pelengkap *) (Deduction Factor of Tier 2 Capital)$
hFaktor Pengurang Modal Inti dan Modal Pelengkap (Deduction Factor for Tier 1 Capital and Tier 2 Capital)0
2Eksposur Sekuritisasi (Exposure of Securitisation)
gModal Pelengkap Tambahan Yang Memenuhi Persyaratan (Tier 3) (Additional Supplementary Capital (Tier 3))<
œModal Pelengkap Tambahan yang Dialokasikan untuk Mengantisipasi Risiko pasar (Additional Supplementary Capital which
MODAL PELENGKAP
8Giro Wajib Minimum (GWM) (Reserve Requirement (Rupiahs))
/GWM Utama Rupiah (Reserve Requirement (Rupiah))
9GWM Valuta asing (Reserve Requirement (Foreign currency))
?Posisi Devisa Neto (PDN) secara keseluruhan (Net Open Position)
×Aset produktif bermasalah dan aset non produktif bermasalah terhadap total aset produktif dan aset non produktif (Non perfo
nAset produktif bermasalah terhadap total aset produktif (Non performing earning assets and non earning assets)8
Cadangan kerugian penurunan nilai (CKPN) aset keuangan terhadap aset produktif (Impairment provision on earning assets
NPL gross (Gross NPL)
NPL net (Net NPL)

Return on Asset (ROA) (ROA)
Return on Equity (ROE) (ROE)
Net Interest Margin (NIM) (NIM)
cBiaya Operasional terhadap Pendapatan Operasional (BOPO) (Operating Expenses to Operating Revenues)9
!Loan to Deposit Ratio (LDR) (LDR)
JPersentase Pelanggaran BMPK ( Percentage Violation of Legal Lending Limit)
TPersentase Pelampauan BMPK (Percentage Lending in Excess of The Legal Lending Limit)
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i. Pihak terkait (Related parties)

-ii. Pihak tidak terkait (Non related parties)
(dalam persen/percent)
JLAPORAN KOMITMEN DAN KONTIJENSI (COMMITMENTS AND CONTINGENCIES STATEMENTS) :Per Desember 20
DESEMBER 2012
DESEMBER 2011
IndividualSurat Berharga (Securities)
Kredit (Loans)
=Transaksi rekening adminitratif (Commitment and contigencies)
?TRANSAKSI SPOT DAN DERIVATIF (SPOT AND DERIVATIVE TRANSACTIONS)8CADANGAN PENYISIHAN KERUGIAN (
Mention)Diragukan
(Doubtful)
Macet
(Loss)Jumlah
(Total)Lancar
(Current)K. Lancar
(Sub Standar)
Tujuan (Purpose)Tagihan
(Claims)=Tag. & Liabilitas Derivatif
(Claims & Liabilities Derivative)Liabilitas
(Liabilities)
CKPN (ILA)7PPA Yang Wajib dibentuk (Required Regulatory Provision)POS-POS (ACCOUNTS)Khusus (Specific)!Rasio Kiner
Persentase kredit kepada Usaha Mikro Kecil (UMK) terhadap total kredit (Percentage of loans to micro and small enterprises
Nilai National
(National Value)8Fasilitas pinjaman yang belum ditarik (Unused borrowing)&
#TAGIHAN KOMITMEN (COMMITTED CLAIMS)Bunga lainnya (Other interest)
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023PT BANK UOB INDONESIAZ3

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023PT BANK UOB INDONESIAZ3

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m558PT BANK PUNDI INDONESIA

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