Bank CIMB Niaga: Consolidated Financial Statements and Other Financial Information - 31 March 2020

Transcription

1. CONSOLIDATED FINANCIAL STATEMENTS AND OTHER FINANCIAL INFORMATION STATEMENTS OF FINANCIAL POSITION 31 March 2020 and 31 December 2019 (in million Rupiah) BANK CIMB NIAGA No. ACCOUNTS 31 March 2020 CONSOLIDATED 31 December 2019 31 March 2020 31 December 2019 ASSETS 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 16. 17. 18. 19. Cash Placement with Bank Indonesia Placement with other banks Spot and derivatives receivables Marketable securities a. Measured at fair value through profit and loss b. Measured at fair value through other comprehensive income c. Measures at amortized cost Securities sold under repurchase agreement (repo) Securities purchased under resale agreement (reverse repo) Acceptance receivables Loans a. Measured at fair value through profit or loss b. Measured at Fair value through other comprehensive income c. Measures at amortized cost Sharia financing Investments Allowance for impairment losses on financial assets -/a. Marketable securities b. Loans c. Others Intangible assets Accumulated amortisation on intangible assets -/Fixed assets and equipment Accumulated depreciation on fixed assets and equipment -/Non productive assets a. Abandoned properties b. Foreclosed assets c. Suspense accounts d. Inter-office assets i. Conducting operational activities in Indonesia ii. Conducting operational activities outside Indonesia Allowance for impairment losses on non financial assets -/Financing lease Deferred tax assets Other assets TOTAL ASSETS 5,289,664 19,426,048 3,874,777 2,676,624 5,691,444 22,290,261 3,377,715 725,478 5,290,790 19,426,048 4,033,761 2,676,624 5,693,065 22,290,261 3,401,502 725,478 3,153,488 18,894,758 12,630,086 1,388,043 2,559,240 3,309,623 3,320,737 12,971,731 7,169,872 10,698,674 522,857 3,767,071 3,296,648 18,894,758 12,630,086 1,388,043 2,559,240 3,309,623 3,320,737 12,971,731 7,169,872 10,698,674 522,857 3,767,071 156,836,037 34,478,842 1,082,535 158,352,721 33,098,379 1,082,535 159,803,046 34,478,842 4,214 161,138,972 33,098,379 4,214 (15,736) (10,260,631) (461,964) 3,130,066 (1,427,227) 8,196,933 (1,977,176) 1,739 19,508 72,641 (14,861) 1,291,964 7,730,752 271,885,773 (38,046) (5,984,978) (471,254) 3,079,525 (1,377,850) 8,127,752 (1,902,418) 1,739 44,526 93,310 7,800,235 272,442,016 (15,736) (10,354,827) (461,964) 3,156,037 (1,451,108) 8,292,502 (2,049,472) 1,739 29,607 72,641 (14,861) 1,307,772 8,214,170 274,518,223 (38,046) (6,059,841) (471,434) 3,105,497 (1,401,448) 8,222,562 (1,974,281) 1,739 51,103 93,310 180 18,458 8,116,615 274,467,227
2. CONSOLIDATED FINANCIAL STATEMENTS AND OTHER FINANCIAL INFORMATION STATEMENTS OF FINANCIAL POSITION 31 March 2020 and 31 December 2019 (in million Rupiah) BANK CIMB NIAGA No. ACCOUNTS 31 March 2020 CONSOLIDATED 31 December 2019 31 March 2020 31 December 2019 LIABILITIES AND EQUITY 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 16. LIABILITIES Current accounts Saving accounts Time deposits Revenue sharing investment fund Loans from Bank Indonesia Loans from other banks Spot and derivatives payables Liabilities on securities sold under repurchase agreement (repo) Acceptance payables Marketable securities issued Borrowings Security deposits Inter-office liabilities a. Conducting operational activities in Indonesia b. Conducting operational activities outside Indonesia Deferred tax liabilities Other liabilities Profit sharing investment fund TOTAL LIABILITIES 52,904,295 57,467,163 62,220,773 30,334,322 3,188,102 3,061,636 1,335,061 3,309,623 8,504,229 1,821,874 177,842 46,504,363 51,937,107 64,950,351 32,585,355 1,364,586 474,915 10,470,737 3,767,071 7,503,112 3,529,964 296,929 52,540,864 57,467,163 62,220,773 30,334,322 3,188,102 3,061,636 1,335,061 3,309,623 8,504,229 3,181,837 177,842 46,127,487 51,937,107 64,950,351 32,585,355 1,364,586 474,915 10,470,737 3,767,071 7,503,112 4,468,188 296,929 53,502 8,346,590 232,725,012 40,443 73,238 6,459,109 229,957,280 53,502 9,114,465 234,489,419 40,443 73,238 7,113,542 231,173,061 EQUITY 17. 18. 19. 20. 21. 22. 23. 24. 25. Paid in capital a. Authorised capital b. Unpaid capital -/c. Treasury shares -/Additional paid-in capital a. Share premium b. Share discount -/c. Donated capital d. Capital deposit funds e. Others Other comprehensive income a. Adjustment due to the translation of financial statements in foreign currencies b. Gain/(loss) from changes in value of financial assets in the group of fair value through other comprehensive income c. Effective portion of cash flow hedges d. Revaluation surplus of fixed assets e. Portion of other comprehensive income from associates entity f. Remeasurement on defined actuarial program g. Income tax related to other comprehensive income h. Others Difference of quasi reorganization Difference in restructuring entities under common control Other equity Reserves a. General reserves b. Appropriated reserves Transaction with non-controlling interest Profit/(Loss) a. Previous years b. Current year TOTAL EQUITY ATTRIBUTABLE TO OWNERS 26. Non-controlling interest TOTAL EQUITY TOTAL LIABILITIES AND EQUITY 2,900,000 (1,287,743) (253,279) 2,900,000 (1,287,743) (253,279) 2,900,000 (1,287,743) (253,279) 2,900,000 (1,287,743) (253,279) 7,033,450 95,731 7,033,450 95,520 7,033,450 95,731 7,033,450 95,520 - - - - (319,991) 3,520,447 (62,384) - (138,554) 3,520,447 (62,384) - (319,991) 3,520,447 (62,238) - (138,554) 3,520,447 (62,238) - 351,538 - 351,538 - 351,538 (35,723) 351,538 (35,723) 26,189,641 993,351 26,845,338 3,480,403 27,016,371 1,055,200 27,510,319 3,645,154 39,160,761 42,484,736 40,013,763 43,278,891 39,160,761 42,484,736 15,041 40,028,804 15,275 43,294,166 271,885,773 272,442,016 274,518,223 274,467,227
3. CONSOLIDATED FINANCIAL STATEMENTS AND OTHER FINANCIAL INFORMATION STATEMENTS OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME For the period ended 31 March 2020 and 2019 (in million Rupiah, except for earnings per share) BANK CIMB NIAGA No. ACCOUNTS 2020 CONSOLIDATED 2019 2020 2019 OPERATING INCOME AND EXPENSES A. Interest Income and Expenses 1. 2. Interest Income a. Rupiah b. Foreign currencies 4,820,059 330,658 4,748,022 377,939 4,960,482 330,658 4,871,616 377,939 Interest Expenses a. Rupiah b. Foreign currencies 2,051,362 146,534 2,052,828 154,541 2,076,107 146,534 2,057,415 154,541 2,952,821 2,918,592 3,068,499 3,037,599 2,149,872 1,592,418 2,192,962 1,631,201 23,489 379,749 - 17,149 - 23,648 379,749 - 17,149 - 124,010 775,678 744,422 1,535 100,989 98,626 530,226 769,441 41,812 135,164 124,005 775,678 777,261 1,535 111,086 98,626 530,226 795,090 40,072 150,038 3,762,764 3,302,834 3,893,521 3,397,663 627,088 - 486 70,903 - 627,088 - 486 70,903 - 223,011 316,838 223,011 316,838 641,223 38,464 35,152 3,392 190,290 23,918 1,018,117 74,213 887,896 112 729,568 11,846 5,672 1,923 171,079 640 993,578 67,914 932,275 674,654 38,464 35,152 3,392 190,273 27,368 1,074,173 76,118 923,828 112 734,100 11,846 5,672 1,923 171,079 639 1,042,899 68,834 972,332 Net Interest Income B. Operating Income and Expenses Other than Interest 1. Operating Income Other than Interest a. b. c. d. e. f. g. h. i. 2. Increase in fair value of financial assets i. Marketable Securities ii. Loans iii. Spot and derivatives iv. Other financial assets Decrease in fair value of financial liabilities Gain on sale of financial assets i. Marketable securities ii. Loans iii. Other financial assets Gain on spot and derivatives (realised) Dividend Gain on investment under equity method Commission/provision/fee and administration Recovery of allowance for impairment losses Other income Operating Expenses Other than Interest a. b. c. d. e. f. g. h. i. j. k. l. Decrease in fair value of financial assets i. Marketable securities ii. Loans iii. Spot and derivatives iv. Other financial assets Increase in fair value of financial liabilities Loss on sale of financial assets i. Marketable securities ii. Loans iii. Other financial assets Loss on spot and derivatives (realised) Allowance for impairment losses on financial assets i. Marketable securities ii. Loans iii. Sharia financing iv. Other financial assets Losses on operational risk Losses on investment under equity method Commission/provision/fee and administration Impairment losses on other assets (non financial assets) Personnel expenses Promotion expenses Other expenses Net Operating Expenses Other than Interest OPERATING INCOME (1,612,892) 1,339,929 (1,710,416) 1,208,176 (1,700,559) 1,367,940 (1,766,462) 1,271,137
4. CONSOLIDATED FINANCIAL STATEMENTS AND OTHER FINANCIAL INFORMATION STATEMENTS OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME For the period ended 31 March 2020 and 2019 (in million Rupiah, except for earnings per share) BANK CIMB NIAGA No. ACCOUNTS NON OPERATING INCOME (EXPENSES) 1. Gain on sale of fixed assets and equipment 2. Gain/(loss) on foreign exchange translation 3. Other non operating income NON OPERATING PROFIT CURRENT PERIOD INCOME BEFORE INCOME TAXES 1. 2. 2020 CONSOLIDATED 2019 2020 597 5,255 5,852 273 13,832 14,105 626 60,840 61,466 273 13,133 13,406 1,345,781 1,222,281 1,429,406 1,284,543 Income Taxes a. Estimated current period tax b. Deferred tax expenses (336,445) (15,985) (307,107) (14,881) NET INCOME 993,351 900,293 OTHER COMPREHENSIVE INCOME Items that will not be reclassified to profit or loss a. Revaluation surplus of fixed assets b. Loss on defined benefit actuarial program c. Portion of other comprehensive income from associates entity d. Others e. Income tax related items that will not be reclassified to profit or loss Items that will be reclassified to profit or loss a. Adjustment due to the translation of financial statements in foreign currencies b. Gain (loss) from changes in value of financial assets in the group of fair value through other comprehensive income c. Effective portion of cash flow hedges d. Others e. Income tax related items that will be reclassified to profit or loss Other comprehensive income of the current period net of applicable income tax 2019 (181,437) - 299,964 299,964 132,595 - (355,805) (18,635) 1,054,966 (181,437) - (319,995) (20,373) 944,175 299,964 299,964 132,595 - (232,142) - 176,793 - (232,142) - 176,793 - 50,705 (44,198) 50,705 (44,198) (181,437) 432,559 (181,437) CURRENT PERIOD TOTAL COMPREHENSIVE INCOME 811,914 1,332,852 Net income attributable to: OWNER MINORITY INTEREST CURRENT PERIOD NET INCOME 993,351 993,351 900,293 900,293 1,055,200 (234) 1,054,966 944,209 (34) 944,175 Total other comprehensive income attributable to: OWNER MINORITY INTEREST CURRENT PERIOD OTHER COMPREHENSIVE INCOME (181,437) (181,437) 432,559 432,559 (181,437) (181,437) 432,559 432,559 Total comprehensive income attributable to: OWNER MINORITY INTEREST CURRENT PERIOD TOTAL COMPREHENSIVE INCOME 811,914 811,914 1,332,852 1,332,852 873,763 (234) 873,529 1,376,768 (34) 1,376,734 TRANSFER OF PROFIT/(LOSS) TO HEAD OFFICE DIVIDEND EARNINGS PER SHARE - - 873,529 432,559 - 1,376,734 - - - - - 39.85 36.11 42.33 37.87
5. CONSOLIDATED FINANCIAL STATEMENTS AND OTHER FINANCIAL INFORMATION STATEMENTS OF CASH FLOWS For the period ended 31 March 2020 and 2019 No . A. ACCOUNTS 2019 2020 Cash flows from operating activities: Receipts of interest, fees and commissions income Payments of interests, fees and commissions Other operating income Foreign exchange and derivative gains/(losses) - net Other operating expenses Non operating income - net Cash flow before changes in operating assets and liabilities 5,544,438 (2,023,194) 100,989 (1,183,255) (1,865,361) (1,375,889) (802,272) 5,544,742 (1,940,185) 135,164 110,747 (1,853,701) 15,310 2,012,077 5,717,369 (2,022,571) 111,085 (1,183,255) (1,941,069) (1,320,305) (638,746) 5,693,717 (1,939,161) 150,037 110,747 (1,849,906) 15,109 2,180,543 Changes in assets and liabilities: - Decrease/(increase) in assets: - Trading marketable securities and Government bonds measured at fair value through profit and loss - Securities purchase under resale agreement - Loans - Acceptance claims - Consumer financing receivables - Other assets and prepaid expenses 314,748 (2,036,383) (453,988) 457,448 251,382 (1,298,693) (180,328) 179,102 394,662 1,333,828 171,743 (2,036,383) (518,229) 457,448 (138,625) 82,728 (1,298,693) (180,328) 90,478 394,662 (40,177) 1,402,539 6,949,377 1,823,516 (9,135,676) (457,448) 30,482 (140,373) (170,787) (3,061,000) (394,662) 75,524 6,962,822 1,823,516 (9,135,676) (457,448) 34,145 (188,451) (170,787) (3,061,000) (394,662) (10,741) 1,812,627 (336,445) 367,454 (358,510) 1,902,844 (353,519) 447,097 (362,800) (1,582,632) (1,241,706) (1,843,380) (1,192,320) Net cash used in by operating activities Cash flows from investing activities: Purchase of fair value through other comprehensive income and amortized cost marketable securities and government bonds Purchase of available-for-sale and held-to-maturity marketable securities and government bonds Sale of fair value through other comprehensive income and amortised cost marketable securities and government bonds Sale of available-for-sale and held to maturity marketable securities and government bonds Proceeds from sale of fixed asset Purchase of fixed asset Purchase of intangible asset Net cash used in by investing activities C. CONSOLIDATED 2020 - Increase/(decrease) in liabilities: - Deposits from customers - Deposits from other banks - Securities sold under repurchase agreement - Acceptance liabilities - Taxes payable - Obligation due immediately, accruals and other liabilities and employee benefit obligations Income tax paid during the period B. (in million Rupiah) BANK CIMB NIAGA Cash flows from financing activities: Treasury shares Addition of borrowing Marketable securities issued Payment of interest and borrowings Payment of principle and interest from bonds and marketable securities issued Net cash used in financing activities Effects on exchange rate differences in cash and cash equivalent (7,081,734) - (2,343,485) 2019 (7,081,734) - (2,343,484) 4,018,768 604 (87,281) (50,540) 467,245 295 (61,586) (43,058) 4,018,768 637 (88,460) (50,540) 467,245 295 (73,109) (43,562) (3,200,183) (1,980,589) (3,201,329) (1,992,615) 1,000,000 (1,720,894) 996 (1,991,270) 751,237 1,000,000 (2,075,535) 996 51,734 (2,091,510) (198,299) (153,236) (198,299) (153,236) (919,193) (2,143,510) (522,597) (2,192,016) 2,124,158 124,702 2,124,158 124,702 Net (decrease)/increase in cash and cash equivalent (3,577,850) (5,241,103) (3,443,148) (5,252,249) Cash and cash equivalent at beginning of the period 32,432,980 27,656,200 32,458,388 27,728,714 Cash and cash equivalent at end of the period 28,855,130 22,415,097 29,015,240 22,476,465 5,289,664 6,370,590 2,154,486 3,484,432 9,768,582 2,273,035 5,290,790 6,370,590 2,313,470 3,488,142 9,768,582 2,330,693 14,775,749 6,507,244 14,775,749 6,507,244 264,641 28,855,130 381,804 22,415,097 264,641 29,015,240 381,804 22,476,465 Cash and cash equivalent consist of: Cash Current accounts with Bank Indonesia Current accounts with other banks Interbank placement - mature within three months or less since acquisition date Bank Indonesia certificates and Local Bank Certificates - mature within three months or less since acquisition date Total cash and cash equivalents Supplemental cash flows information: Activities not affecting cash flows - - - -
6. CALCULATION OF CAPITAL ADEQUACY RATIO 31 March 2020 and 2019 (in million Rupiah, except for ratios in percentage) NO. ACCOUNTS 2020 Bank CIMB Niaga I Core Capital (Tier 1) 1 Common Equity Tier (CET 1) 1.1 Paid in Capital (after deducting Treasury Shares) 1.2 Disclosed Reserves 1.2.1 Additional Factor 1.2.1.1 Other Comprehensive Income 1.2.1.1.1 Excess translation adjustment of financial statement 1.2.1.1.2 Potential gain on increase in fair value of financial assets classified as fair value through other comprehensive income 1.2.1.1.3 Fixed asset revaluation surplus 1.2.1.2 Other disclosed reserve 1.2.1.2.1 Agio 1.2.1.2.2 General reserve 1.2.1.2.3 Previous years profit 1.2.1.2.4 Current year profit 1.2.1.2.5 Fund for paid-in capital 1.2.1.2.6 Other 1.2.2 Deduction Factor 1.2.2.1 Other Comprehensive Income 1.2.2.1.1 Negative difference arising from translation of financial statement 1.2.2.1.2 Potential loss on decrease in fair value of financial assets classified as fair value through other comprehensive income 1.2.2.2 Other disclosed reserve 1.2.2.2.1 Disagio 1.2.2.2.2 Previous years loss 1.2.2.2.3 Current year loss 1.2.2.2.4 Negative differences between regulatory provision and impairment of productive asset 1.2.2.2.5 Negative difference on adjustment of fair value on financial instrument in the trading book 1.2.2.2.6 Required regulatory provision on productive asset 1.2.2.2.7 Other 1.3 1.4 II Supplementary Capital (Tier 2) 1 Capital instrument which can be calculated as Tier 2 2 Agio/Disagio 3 General reserve of required regulatory provision on productive asset (max.1.25% of RWA for Credit Risk) 4 Tier 2 deduction factor 4.1 Sinking Fund 4.2 Investment in tier 2 instruments in other bank 4.3 Cross ownership in other entity acquired by the transition of the law, a grant, or grant will Total Capital 2020 Bank CIMB Niaga RISK WEIGHTED ASSET (RWA) RWA FOR CREDIT RISK RWA FOR MARKET RISK RWA FOR OPERATIONAL RISK TOTAL RWA CAPITAL ADEQUACY RATIO ACCORDING TO RISK PROFILE (%) 2019 Consolidated Bank CIMB Niaga DESCRIPTION Consolidated 170,928,716 3,102,034 28,964,906 202,995,656 173,701,054 3,136,764 30,209,634 207,047,452 174,473,816 2,410,226 27,763,939 204,647,981 176,271,348 2,410,226 29,011,195 207,692,769 1 3,520,447 1 3,520,447 1 3,377,847 1 3,377,847 7,129,181 351,538 26,189,641 993,351 - 7,129,181 351,538 27,016,371 1,055,200 - 7,121,640 351,538 27,541,823 900,293 - 7,121,640 351,538 28,211,918 939,095 - 319,991 319,991 303,760 303,760 46,043 - 51,335 - 70,934 - 79,543 - 9.90 9.90 9.90 9.90 CET1 FOR BUFFER (%) 1,307,772 1,197,145 - 38,264,052 38,264,052 1,362,932 39,789,280 39,789,280 1,362,932 - - 36,033 1,152,974 828,321 - - - - - - - 36,033 1,156,355 - - 2,535,899 490,453 2,045,446 2,580,772 490,453 2,090,319 2,459,180 576,543 - 2,511,000 576,543 1,934,457 38,147,662 40,136,246 40,723,232 42,300,280 2020 Bank CIMB Niaga Capital Adequacy Ratio Ratio CET1 (%) Ratio Tier 1 (%) Ratio Tier 2 (%) Ratio KPMM (%) Consolidated 37,555,474 37,555,474 1,358,979 1,291,964 1,195,056 1,078,321 - 2 Additonal Tier 1 2.1 Capital instrument which can be calculated as AT 1 2.2 Share premium/Share discount 2.3 Deduction factor on additional Tier 1 2.3.1 Investment in AT 1 and/or Tier 2 instruments in other bank 2.3.2 Cross ownership in other entity acquired by the transition of the law, a grant, or grant will Bank CIMB Niaga 35,611,763 35,611,763 1,358,979 - Non controlling interest Deduction Factor of Common Equity Tier 1 1.4.1 Deferred tax calculation 1.4.2 Goodwill 1.4.3 Other intangible assets 1.4.4 Equity investment which can be calculated as deduction factor 1.4.5 Shorftall on the capital of insurance subsidiary 1.4.6 Securitisation exposure 1.4.7 Other deduction factor of Tier 1 1.4.7.1 Investment in AT 1 and/or Tier 2 instruments in other bank 1.4.7.2 Cross ownership in other entity acquired by the transition of the law, a grant, or grant will 2019 Consolidated 2019 Consolidated Bank CIMB Niaga Consolidated 17.54 17.54 1.25 18.79 18.14 18.14 1.25 19.39 18.70 18.70 1.20 19.90 19.16 19.16 1.21 20.37 8.89 9.49 10.00 10.47 2.500 1.00 2.500 1.00 2.500 1.00 2.500 1.00 PERCENTAGE OF BUFFER MANDATORY FILLED BY THE BANK CAR ALLOCATED From CET1 (%) From AT1 (%) From Tier 2 (%) 8.65 1.25 8.65 1.25 8.70 1.20 8.69 1.21 Capital Conservation Buffer (%) Countercyclical Buffer (%) Capital Surcharge for Bank (%) 6
7. CONSOLIDATED FINANCIAL STATEMENTS AND OTHER FINANCIAL INFORMATION EARNING ASSETS QUALITY AND OTHER INFORMATIONS 31 March 2020 and 2019 (in million Rupiah) BANK CIMB NIAGA No. 2020 ACCOUNTS Pass I. RELATED PARTIES 1. 12. Interbank placement a.Rupiah b.Foreign currency Spot and derivative claims a.Rupiah b.Foreign currency Securities a.Rupiah b.Foreign currency Securities sold under repurchase agreements (repo) a.Rupiah b.Foreign currency Claims on securities bought under reverse repo a.Rupiah b.Foreign currency Acceptance claims Loans a. Micro, Small and Medium Enterprises (UMKM) i. Rupiah ii. Foreign currency b. Non Micro, Small and Medium Enterprises (UMKM) i. Rupiah ii. Foreign currency c. Restructured loans i. Rupiah ii. Foreign currency d. Loan on property Equity investment Temporary equity investment Other receivable Commitments and contingencies a.Rupiah b.Foreign currency Foreclosed assets II. NON-RELATED PARTIES 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. Interbank placement a.Rupiah b.Foreign currency Spot and derivative claims a.Rupiah b.Foreign currency Securities a.Rupiah b.Foreign currency Securities sold under repurchase agreement (repo) a.Rupiah b.Foreign currency Claims on securities bought under reverse repo a.Rupiah b.Foreign currency Acceptance claims Loans a. Micro, Small and Medium Enterprises (UMKM) i. Rupiah ii. Foreign currency b. Non Micro, Small and Medium Enterprises (UMKM) i. Rupiah ii. Foreign currency c. Restructured loans i. Rupiah ii. Foreign currency d. Loan on property Equity investment Temporary equity investment Other receivable Commitments and contingencies a.Rupiah b.Foreign currency Foreclosed assets 2019 Special Mention Substandard Doubtful Loss TOTAL Pass Special Mention Substandard - - - - - - - - - - - - - - - - - - - - - Doubtful Loss TOTAL - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - 556,664 - - - - - 556,664 - 477,170 - - - - - 477,170 - 157,669 1,078,321 - - - - - 157,669 1,078,321 - 286,054 828,321 - - - - - 286,054 828,321 - - - - - - - - - - - - - 107,180 3,756,160 - - - 11,437 107,180 3,767,597 486,771 2,176,948 - - - 9,986 486,771 2,186,934 2,531,664 144,960 - - - - 2,531,664 144,960 758,049 138,959 - - - - 758,049 138,959 28,797,433 5,865,899 - - - 15,000 - 28,812,433 5,865,899 32,233,802 5,649,176 - - - 15,000 - 32,248,802 5,649,176 1,388,043 - - - - - 1,388,043 - - - - - - - 2,559,240 3,156,476 153,147 - - - 2,559,240 3,309,623 773,921 4,067,821 - - - - 773,921 4,067,821 20,047,206 253,910 1,374,780 3,882 42,629 - 80,937 - 656,882 - 22,202,434 257,792 21,825,774 601,620 1,208,593 17,640 85,667 - 140,196 - 716,415 - 23,976,645 619,260 131,422,970 18,387,979 8,094,732 5,418,471 265,066 - 620,490 197,815 2,758,917 1,131,549 143,162,175 25,135,814 127,362,118 22,140,800 5,035,721 1,696,753 346,633 - 728,106 - 2,813,463 738,341 136,286,041 24,575,894 2,946,317 579,760 43,582,494 3,489 1,360,874 527,581 229,124 2,923,870 - 33,137 111,091 425 - 39,686 126,433 - 1,037,755 1,106,502 710,788 300 - 4,584,476 1,915,386 47,454,676 4,214 1,360,874 3,240,796 796,373 40,220,018 3,489 1,859,682 454,643 1,011,257 2,374,290 - 93,006 182,986 425 - 184,047 72,123 - 1,006,157 607,018 766,135 300 - 4,978,649 2,414,648 43,615,552 4,214 1,859,682 63,616,013 21,604,817 596 565,833 78,595 - 7,238 9,658 2,016 64,181,846 21,683,412 19,508 69,498,361 17,657,018 597 118,192 5,776 - 18,713 73,585 4,340 69,616,553 17,662,794 97,235
8. CONSOLIDATED FINANCIAL STATEMENTS AND OTHER FINANCIAL INFORMATION EARNING ASSETS QUALITY AND OTHER INFORMATIONS 31 March 2020 and 2019 (in million Rupiah) BANK CIMB NIAGA No. 2020 ACCOUNTS Pass III. 1. 2. 3. 4. 5. 6. 7. 8. * Special Mention Substandard 2019 Doubtful Loss TOTAL Pass Special Mention Substandard Doubtful Loss TOTAL OTHER INFORMATION Assets pledged as collateral a.To Bank Indonesia b.To other parties Impairment provision on earning assets Required regulatory provision on earning assets Percentage of loans to micro, small, and medium enterprises (UMKM) to total loans Percentage of loans to micro and small enterprises (UMK) to total loans Percentage of micro, small and medium enterprises (UMKM) debtor to total debtor Percentage of micro and small enterprises (UMK) debtor to total debtor Others a. Channeling b. Mudharabah muqayyadah fund channeling c. Written off of earning assets d. Written off of earning assets that has been re-collected e. Charged off of earning assets 11,835,493 7,444,101 11.74% 1.89% 2.33% 1.84% 6,754,797 6,233,215 13.23% 2.89% 3.07% 2.57% 719,805 56,954 - 397,538 227,285 - point a and b include propety loans and/or restructured loans ALLOWANCES FOR POSSIBLE LOSSES For the period ended 31 March 2020 and 2019 No. 2020 Allowance for Impairment Conventional Stage 2 Stage 3 Individual Collective ACCOUNTS Stage 1 1. Placement with other banks 2. Spot and derivatives receivables 3. Marketable securities 4. 5. Sharia Individual Collective 2019 Compulsary Allowance for Possible Losses on Assets Allowance for Impairment Compulsary Allowance for Possible Losses on Assets General Individual General Specific Collective Collective 38,633 11,437 9,986 8,869 26,637 - 26,766 - - - 8,970 - 52 98,121 15,000 15,000 23,889 96,149 15,000 - - 13,880 - - - - - - - 25,592 - - - - - - - - 31,565 7,657 - - 40,678 2,984,715 529,580 50,582 421,605 1,706,687 4,906,453 3,469,795 - 555 - - - 10,818 364 555 - - - - - - - - - - - - - - 13,609 - 884,141 213,021 - - - - 75,798 32,221 20,473 - 11,437 - - - - - 684 - 15,000 - Securities purchased under resale agreement (reverse repo) - - - - Securities sold under repurchase agreement (repo) - - - - 6. Acceptance receivables - - - 7. Loans 2,007,143 4,267,006 8. Investments - 9. Temporary equity investment - 10. Other receivable 11. Commitments and contigencies - - - 2,797,204 9,986 - 1,621,177 3,877,034 - 8,318 364 - - - - 18,597 - - - 74,608 6,198 -
9. CONSOLIDATED FINANCIAL STATEMENTS AND OTHER FINANCIAL INFORMATIONS FINANCIAL RATIOS 31 March 2020 and 2019 No . ACCOUNTS 2020 2019 PROFITABILITY RATIO Consolidated 1. Capital Adequacy Ratio 2. Non-performing Earning Assets and Non-Earning Assets to Total Earning Assets and Non-Earning Assets 3. Non-performing Earning Assets to Total Earning Assets 4. Allowance for Impairment Financial Assets to Total Earning Assets 5. Gross NPL 6. Net NPL 7. Return on Asset (ROA) 8. Return on Equity (ROE) 9. Net Interest Margin (NIM) 10. Operating Expenses to Operating Revenues 11. Loan to Deposit Ratio (LDR) 12. Liquidity Coverage Ratio (LCR)* 13. Net Stable Funding Ratio (NSFR)** 14. Leverage Ratio Bank CIMB Niaga 1. Capital Adequacy Ratio 2. Non performing Productive Assets and Non-Productive Assets to Total Productive Assets and Non-Productive Assets 3. Non-performing Productive Assets to Total Productive Assets 4. Allowance for Impairment Financial Assets to Total Earning Assets 5. Gross NPL 6. Net NPL 7. Return on Asset (ROA) 8. Return on Equity (ROE) 9. Net Interest Margin (NIM) 10. Operating Expenses to Operating Revenues 11. Loan to Deposit Ratio (LDR) 12. Liquidity Coverage Ratio (LCR)* 13. Net Stable Funding Ratio (NSFR)** 14. Leverage Ratio COMPLIANCE-Bank CIMB Niaga 1. a. Percentage Violation of Legal Lending Limit i. Related Parties ii. Non Related Parties b. Percentage Lending in Excess of The Legal Lending Limit i. Related Parties ii. Non Related Parties 2. Statutory Reserve*** a. Primary Statutory Reserve (Rupiah) b. Primary Statutory Reserve (Foreign currency) 3. Net Open Position **** * ** *** **** 19.39% 20.37% 1.89% 1.89% 3.61% 3.03% 1.56% 2.10% 11.25% 5.02% 81.72% 94.30% 172.08% 108.14% 13.53% 1.91% 2.57% 2.91% 3.04% 1.42% 2.00% 9.79% 5.28% 81.53% 97.02% 114.98% 105.12% N/A 18.79% 19.90% 1.90% 1.90% 3.62% 3.06% 1.58% 1.99% 11.22% 4.89% 81.65% 92.67% 173.26% 107.29% 12.90% 1.91% 2.58% 2.90% 3.05% 1.43% 1.91% 9.71% 5.12% 82.02% 95.89% 114.51% 105.08% N/A - - - - 5.53% 4.43% 2.56% 6.53% 8.19% 0.71% LCR for March 2020 is the daily average position during the first quarter of 2020 NSFR Position at the end of month report As at 31 March 2020, Bank CIMB Niaga’s Minimum Statutory Reserves complies with BI regulation No. 22/3/PBI/2020 dated 24 March 2020 and Governor Members Regulation No 22/2/PADG/2020 dated 10 March 2020 and No.21/27/PADG/2019 dated 26 Desember 2019 regarding 3rd and 4th Amendment of Governor Members Regulation No. 20/10/PADG/2018 regarding Minimum Statutory Reserves in Rupiah which effective since 2 January 2020 and Foreign Currencies which effective since 16 March 2020 for Conventional Commercial Banks, Sharia Commercial Banks, and Sharia Business Unit. The calculation of NOP including statement of financial position's accounts and administrative accounts.
10. CONSOLIDATED FINANCIAL STATEMENTS AND OTHER FINANCIAL INFORMATION COMMITMENTS AND CONTINGENCIES 31 March 2020 and 31 December 2019 (in million Rupiah) BANK CIMB NIAGA No. I. ACCOUNTS 31 March 2020 CONSOLIDATED 31 December 2019 31 March 2020 31 December 2019 COMMITTED CLAIMS 1. II. Unused borrowing a. Rupiah b. Foreign currencies 2. Outstanding spot and derivatives (purchased) 3. Others Total Committed Claims COMMITTED LIABILITIES 47,762,407 47,762,407 1,000,000 54,686,908 1,297,683 56,984,591 47,762,407 47,762,407 1. III. Undisbursed loan facilities to debtors a. State-Owned Enterprises of indonesia i. Committed - Rupiah - Foreign currencies ii. Uncommitted - Rupiah - Foreign currencies b. Others i. Committed ii. Uncommitted 2. Undisbursed loan facilities to other banks a. Committed i. Rupiah ii. Foreign currencies b. Uncommitted i. Rupiah ii. Foreign currencies 3. Outstanding irrevocable L/C a. Foreign L/C b. Local L/C 4. Outstanding spot and derivatives (sold) 5. Others Total Committed Liabilities CONTINGENT CLAIMS 1,000,000 54,686,908 1,297,683 56,984,591 - - - - - - - 13,908,192 63,066,695 - 15,286,223 59,339,547 - 13,908,192 63,066,695 - 15,286,223 59,339,547 - 1,223,189 - 1,303,145 - 1,223,189 - 1,303,145 - 1,835,329 1,076,888 78,099,698 620,945 159,830,935 937,105 1,222,483 41,915,495 143,064 120,147,062 1,835,329 1,076,888 78,099,698 620,945 159,830,935 937,105 1,222,483 41,915,495 143,064 120,147,062 63,115 182,069 67,477 162,067 63,115 182,069 67,477 162,067 728,033 973,217 766,565 996,109 728,033 973,217 766,565 996,109 3,543,058 1,211,908 4,754,966 3,422,216 989,467 4 4,411,687 #REF! 3,543,058 1,211,908 4,754,966 3,422,216 989,467 4 4,411,687 #REF! 1. IV. Received gurantees a. Rupiah b. Foreign currencies 2. Accrued interest a. Loan interest b. Other interest 3. Others Total Contingent Claims CONTINGENT LIABILITIES - 1. 2. Issued guarantees a. Rupiah b. Foreign currencies Others Total Contingent Liabilities
11. CONSOLIDATED FINANCIAL STATEMENTS AND OTHER FINANCIAL INFORMATION SPOT AND DERIVATIVE TRANSACTIONS 31 March 2020 No . A. B. TRANSACTIONS Exchange Rate Related 1. Spot 2. Forward 3. Option a. Sell b. Purchased 4. Future 5. Swap 6. Other Interest Rate Related 1. Forward 2. Option a. Sell b. Purchased 3. Future 4. Swap 5. Other C. Notional Amount Hedging (in million Rupiah) BANK CIMB NIAGA Purposes Trading Derivative Receivables and Payables Receivables Payables 2,491,107 18,865,731 - 2,491,107 18,865,731 2,643 509,278 1,297 317,117 15,658,723 27,210,126 - - 15,658,723 27,210,126 - 540,268 285,915 - 661,428 755,803 - 22,834,000 26,643,986 4,076,467 22,834,000 22,567,519 1,338,520 42,605 1,283,386 - - - - - - - - - - Others 1. Credit Default Swap TOTAL 113,703,673 4,076,467 109,627,206 2,676,624 3,061,636
12. CONSOLIDATED FINANCIAL STATEMENTS AND OTHER FINANCIAL INFORMATIONS Prime Lending Rate 31 March 2020 Corporate Loans Prime Lending Rate 9 .40% (% per year) Based on Business Segments Retail Consumer Loans Loans Housing Loans Non Housing Loans 10.10% 9.55% 9.95% Notes: a. Prime Lending Rate (PLR) is used as base in determining lending rate to customer by the Bank. PLR does not take into account the risk premium component which depends on the Bank's assessment towards the risk of each debtor/debtor's group by considering the debtor's financial condition, prospect of loan repayment, prospect of debtor's industry and loan term. Thus, the interest rate charged to the debtor may not be the same as PLR. b. In Consumer loans, non housing loans does not include the channeling of funds through credit cards and loans without collateral (Kredit Tanpa Agunan /KTA). c. PLR information at any time can be seen in publications in any office of the Bank and/or website (www.cimbniaga.com). d. Housing loans apply for the first year fixed tenor
13. CONSOLIDATED FINANCIAL STATEMENTS AND OTHER FINANCIAL INFORMATIONS BOARD OF COMMISIONERS AND DIRECTORS SHAREHOLDERS Board of Commisioners i i i i i i i i President Commissioner Vice President Commissioner Independent Commissioner Independent Commissioner Independent Commissioner Independent Commissioner Commissioner Commissioner Directors i President Director Ultimate Shareholders : : : : : : : : Tengku Dato'Sri Zafrul Tengku Abdul Aziz Glenn Muhammad Surya Yusuf b) Zulkifli M. Ali Primoehadi Notowidigdo Jeffrey Kairupan Sri Widowati David Richard Thomas Didi Syafrudin Yahya a) CIMB Group Holdings Berhad, Malaysia (through CIMB Group Sdn Bhd, Malaysia) 91.48% Non ultimate shareholders through capital market (> 5 %) Nil Non ultimate Shareholders not through capital market (> 5 %) Nil : Tigor M. Siahaan Ultimate Shareholder PT Bank CIMB Niaga Tbk i Director : Lee Kai Kwong i Director Director : Rita Mas’Oen : Megawati Sutanto Shareholders of CIMB Group Holdings Berhad, Malaysia: · Khazanah Nasional Berhad, Malaysia · Employee Provident Fund, Malaysia 23.77% 15.21% Director Director : Vera Handajani : John Simon · 61.02% Director : Lani Darmawan Director Director : Pandji Pratama Djajanegara : Hedy Lapian i Director Compliance Director : Rahardja Alimhamzah : Fransiska Oei a) Resigned effective on 9 March 2020 and the approval will be sought in the 2020 General Meeting of Shareholders ("GMS") b) Resigned effective on 1 September 2020 and the approval will be sought in the 2020 General Meeting of Shareholders ("GMS") i i i i i i i Others and public Notes: 1 This Publication report has been prepared based on the consolidated Financial Statements of PT Bank CIMB Niaga Tbk. and subsidiaries as of 31 March 2020 and 2019 (unaudited) and 31 December 2019 (audited) with the Financial Accounting Standards in Indonesia audited by KAP Tanudiredja, Wibisana, Rintis & Rekan - a member firm of PwC Global Network (with Angelique Dewi Daryanto, S.E., CPA, as partner in charge), an independent auditor, based on Audit Standard as determined by the Indonesian Institute of Certified Public Accountants, with an unmodified opinion, as stated in its report dated 17 February 2020, which not disclosed in this publication. 2 The financial information above is intended to be fulfilled and prepared in accordance with: a. Financial Services Authority (FSA) regulation No.6/POJK.03/2015 dated 31 March 2015 which has been ammended by Financial Services Authority (FSA) regulation No.32/POJK.03/2016 dated 8 August 2016 concerning "Transparency and Publication of Bank Reports". b. Financial Services Authority (FSA) circular letter No.43/SEOJK.03/2016 dated 28 September 2016 concerning "Transparency and Publication of Commercial Bank Reports". c. Financial Services Authority (FSA) regulation No.34/POJK.03/2016 dated 22 September 2016 concerning amandment of POJK No.11/POJK.03/2016 concerning "Minimum Capital Adequacy Requirement for Commercial d. Capital Market Supervisory Agency & Financial Institution (Bapepam LK, which its function has been transferred to the Financial Services Authority (FSA) effective since 1 January 2013) regulation No.X.K.2 Attachment of Decision of Chairman of Bapepam-LK Decree No.KEP-346/BL/2011 dated 5 July 2011 concerning "Submission of Periodical Issuer Financial Report or Public Company". e. f. 3 4 5 Bapepam-LK regulation No. VIII.G.7. which is an Attachment of Decision of Chairman of Bapepam-LK no. Kep-347/BL/2012 concerning "Presentation and Disclosure of Financial Statements of Issuers or Public Companies" replacing Chairman of Bapepam-LK's Decree No. KEP-554/BL/2010 dated 30 December 2010 concerning "Change of Decision of Chairman of Bapepam no. KEP-06 /PM/2000 dated 13 March 2000 regarding Guidelines for Presentation of Financial Statements". Financial Services Authority (FSA) regulation No.31/POJK.03/2019 dated 2 December 2019 concerning the obligation to fullfill a Leverage Ratio for commercial Banks. Basic earnings per share is calculated by dividing net income available to shareholders with the weighted average of ordinary shares outstanding during the period. The weighted average of ordinary shares outstanding is calculated based on the number of ordinary shares outstanding at the position at the end of each month in accordance with data from the Securities Administration Bureau. For the period ended 31 December 2019 and 2018, the calculation of the weighted average of ordinary shares outstanding has considered the number of treasury shares. The consolidated financial statements consolidate the financial statements of the Subsidiaries, PT CIMB Niaga Auto Finance and PT CIMB Niaga Sekuritas. On 1 January 2016, PT CIMB Niaga Auto Finance and PT Kencana Internusa Artha Finance effectively joined (merged) where PT CIMB Niaga Auto Finance as the surviving company. The merger has been approved by the Financial Services Authority (FSA) of the Non-Bank Financial Industry through letter No. OJK. S-101/D.05/2015 dated 19 November 2015. Exchange rate per 31 March 2020: 1 USD = Rp 16,310.0 ; 31 December 2019: 1 USD = Rp 13,882.5; 31 March 2019: 1 USD = 14,240,0 Jakarta, 8 May 2020 Vera Handajani Director Tigor M. Siahaan President Director