Bank OCBC NISP: Statements of Financial Position - 1Q 2017

Transcription

1. FINANCIAL STATEMENT FOREIGN EXCHANGE & PUBLIC LISTED BANK STATEMENTS OF FINANCIAL POSITION As at 31 March 2017 and 31 December 2016 (in million Rupiah) Description N0. 31-Mar-17 STATEMENTS OF FINANCIAL POSITION As at 31 March 2017 and 31 December 2016 (in million Rupiah) 31-Dec-16 N0. ASSETS 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 Description 31-Mar-17 31-Dec-16 LIABILITIES AND SHAREHOLDERS' EQUITY Cash Placement with Bank Indonesia Placement with other banks Derivative receivables Marketable securities a. At fair value through profit or loss b. Available for sale c. Held to maturity d. Loans and receivables Securities sold with repurchase agreement Securities purchased under resale agreement Acceptance receivables Loans a. At fair value through profit or loss b. Available for sale c. Held to maturity d. Loans and receivables Sharia financing Investments Allowance for impairment losses of financial assets -/a. Marketable securities b. Loans c. Others Intangible assets Accumulated depreciation of intangible assets -/Fixed assets and inventory Accumulated depreciation of fixed assets and inventory -/Non productive assets a. Abandoned properties b. Foreclosed assets c. Suspend accounts d. Inter-office assets i. Conduct operational activity in Indonesia ii. Conduct operational activity outside Indonesia Allowance for impairment losses of other assets -/Lease financing Deferred tax assets Other assets TOTAL ASSETS 828,946 10,331,083 2,410,743 351,801 881,749 8,333,546 3,612,662 351,939 2,132,215 27,741,035 229,105 3,153,505 1,608,158 24,924,913 193,196 3,513,459 92,542,830 1,639,501 - 91,443,688 1,614,289 - (7,448) (3,279,331) (28,394) 3,030,277 (597,798) (6,762) (3,114,987) (28,810) 2,987,170 (573,183) 1 2 3 4 5 6 7 8 9 10 11 12 13 Current accounts Saving accounts Time deposits Revenue sharing investment fund Loans from Bank Indonesia Loans from other banks Spot and derivative payables Securities sold with repurchase agreement Acceptance payables Marketable securities issued Borrowings Security deposits Inter-office liabilities a. Conduct operational activity in Indonesia b. Conduct operational activity outside Indonesia 14 Deferred tax liabilities 15 Other liabilities 16 Profit sharing fund investment TOTAL LIABILITIES 440,383 11,548 421,129 10,537 (323) 306,620 2,708,047 (342) 370,025 1,653,965 143,944,345 138,196,341 17 18 19 20 21 22 23 Equity Paid in capital a. Authorised capital b. Unpaid up capital -/c. Treasury shares -/Additional paid-in capital a. Share premium b. Share discount -/c. Donation capital d. Capital deposits funds e. Others Other comprehensive income a. Adjustment due to financial statement translation b. Gain (loss) from changes in value of financial assets in the group of available for sale c. Cash flow hedging d. Revaluation surplus of fixed assets e. Part of other comprehensive income from association entity f. Remeasurement on defined actuarial program g. Income tax related to other comprehensive income h. Others Difference due to quasi reorganization Difference between entities under common control Other equity Reserves a. General reserves b. Specific reserves 24 Profit/loss a. Previous years b. Current year TOTAL EQUITY ATRIBUTABLE TO OWNER 25 Non controlling interest TOTAL EQUITY TOTAL LIABILITIES AND EQUITY 26,180,999 15,762,540 64,756,353 2,958,235 3,574,919 193,786 176,629 3,153,505 3,230,564 879,683 186,162 24,373,409 15,571,904 61,076,532 2,538,115 2,605,836 304,318 1,345,723 3,513,459 3,898,991 879,371 200,241 2,730,340 - 2,381,866 - 123,783,715 118,689,765 3,500,000 (2,065,919) - 3,500,000 (2,065,919) - 6,829,361 - 6,829,361 - 85,571 1,258,402 (11,519) (18,513) - (34,947) 1,258,402 (12,661) 11,902 - 2,050 - 1,950 - 10,018,388 562,809 8,228,588 1,789,900 20,160,630 19,506,576 - - 20,160,630 19,506,576 143,944,345 138,196,341 - -
2. FINANCIAL STATEMENT FOREIGN EXCHANGE & PUBLIC LISTED BANK STATEMENTS OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME For The Three Month Periods Ended 31 March 2017 and 2016 (in million Rupiah, except Earnings per Share) DESCRIPTION N0. OPERATING INCOME AND EXPENSES A. Interest income and expenses 1 Interest income a. Rupiah b. Foreign currencies Total Interest income 2 Interest expenses a. Rupiah 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 i. Marketable securities *) ii. Loans iii. Spot and derivatives *) iv. Other financial assets b. Decrease in fair value financial liabilities 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 f. Gain from equity method investment g. Commission / provision / fees and administration h. Reversal of impairment provisions i. Other 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 losses of financial assets i. Marketable securities ii. Loans iii. Sharia Financing iv. Other financial assets f. Loss on operational risk g. Loss from equity method investment h. Commission / provision / fees and administration i. Allowance for impairment losses of other assets j. Personnel expenses k. Promotion expenses l. 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 inventory 2 Gain (loss) on foreign exchange translation 3 Non operating income (expenses) NON OPERATING INCOME (EXPENSES) 2017 2016 2,325,809 358,489 2,684,298 2,135,670 459,948 2,595,618 1,210,299 61,074 1,271,373 1,111,686 60,752 1,172,438 1,412,925 1,423,180 9,460 - 5,310 - 49,765 166,995 172,810 17,892 17,252 434,174 43,635 31,399 138,607 41,928 12,674 273,553 66,654 - 10,841 - - - 693 220,493 2,161 1 23 486,714 17,021 308,498 1,102,258 189 316,327 1,094 4,755 242 450,942 16,453 297,734 1,098,577 (668,084) (825,024) 744,841 598,156 72 486 8,007 89 161 8,493 INCOME BEFORE TAX 745,002 606,649 Income Tax a. Current tax -/b. Deferred tax Income (expenses) 149,204 (32,989) 117,019 (32,779) NET INCOME AFTER TAX 562,809 456,851 856 1,142 (286) 90,389 120,519 (30,130) 858 1,144 (286) 58,742 78,323 (19,581) OTHER COMPREHENSIVE INCOME 1 Items that will not be reclassified to profit or loss a. Revaluation surplus of fixed asset b. Remeasurement on defined benefit actuarial plan c. Part of other comprehensive income of associates entity d. Others e. Income tax related items that will not be reclassified to profit or loss 2 Items that will be reclassified to profit or loss a. Adjustments due to the translation of financial statements in foreign currency b. Gain (loss) from changes in the value of financial assets available for sale c. The effective portion of cash flow hedges d. Others e. Income tax related items that will be reclassified to profit or loss 91,245 59,600 TOTAL COMPREHENSIVE INCOME CURRENT YEAR Other comprehensive income current year - net income tax 654,054 516,451 Net Income Current Year attributable to : Owner Non-Controling Interest Total net income current year 562,809 562,809 456,851 456,851 Total Comprehensive Income Current Year attributable to : Owner Non-Controling interest Total comprehensive income current year 654,054 654,054 516,451 516,451 NET INCOME TRANSFER TO THE HEAD OFFICE - DIVIDEND - BASIC EARNINGS PER SHARE *) Disclosed as net 49.06 39.82
3. FINANCIAL STATEMENT CASH FLOW STATEMENTS FOR THE THREE MONTH PERIODS ENDED 31 MARCH 2017 and 2016 (in million Rupiah) 2017 2016 Cash flows from operating activities: Interest and commissions received Sharia income received Interest paid 2,713,195 61,433 (1,231,200) 2,542,168 60,167 (1,141,582) Sharia expense paid (32,488) (30,246) Other revenues received 333,185 100,243 (500,676) (613,938) Other operational expenses paid Recoveries of loans previously written off 1,503 2,211 (Increase)/decrease in operating assets: Placement with other banks and Bank Indonesia Marketable securities and government bonds trading portofolio and loans and receivables Securities purchased with resale agreement Loans Derivative receivables Other assets 1,531,587 (559,965) (1,133,384) 138 (162,183) (353,604) (563,286) 756,892 (63,205) (1,219,663) (1,036,336) 6,098,168 2,295,825 Increase/(decrease) in operating liabilities: Deposits from customers Deposits from other banks Securities sold under repurchase agreement Derivative liabilities and other liabilities 983,443 (1,169,094) (936,928) - 24,920 355,988 (200,756) (152,363) Payment of corporate income tax: - current year Net cash flows provided from/(used in) operating activities 5,700,346 1,059,823 Cash flows from investing activities: 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 (61,166) 826 (101,993) 1,771 (5,800,298) (8,370,676) 3,104,695 1,611,117 (2,755,943) (6,859,781) Cash flows from financing activities: Redemption of the continuous Bond I Phase I series C - (1,498,000) Redemption of the continuous Bond I Phase II series A - (1,095,000) Redemption of the continuous Bond I Phase II series B Net cash flows (used in)/provided from financing activities Net (decrease)/increase in cash and cash equivalents (670,000) (670,000) (2,593,000) 2,274,403 (8,392,958) Cash and cash equivalents at beginning of year 10,029,780 18,055,256 Cash and cash equivalents at end of period 12,304,183 9,662,298 Supplementary disclosures Cash and cash equivalents consist of: Cash Current accounts with Bank Indonesia Current accounts with other banks Placement with other banks and Bank Indonesia Total cash and cash equivalents 828,946 734,350 8,535,275 6,824,252 479,332 929,099 2,460,630 12,304,183 1,174,597 9,662,298
4. COMMITMENT AND CONTINGENCIES As at 31 March 2017 and 31 December 2016 (in million Rupiah) DESCRIPTION No. I COMMITMENT RECEIVABLES 1. Undrawn borrowing facilities received a. Rupiah b. Foreign currencies 2. Outstanding spot and derivative position 3. Other Commitments Total Commitment Receivables 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 a. Committed i. Rupiah ii. Foreign currencies b. Uncommitted i. Rupiah ii. Foreign currencies 3. Outstanding irrevocable letters of credit a. Overseas L/C b. Local L/C 4. Outstanding spot dan derivative position 5. Others 31-Mar-17 3,997,650 33,208,750 - 4,041,750 28,201,642 - 37,206,400 32,243,392 - - - - 7,257,329 29,026,845 - 24,100 - 3,253 - 2,375,873 319,539 33,473,258 - 3,002,456 326,265 27,738,899 404,175 Total Commitment Payables 72,476,944 75,336,226 TOTAL COMMITMENTS - NET (35,270,544) ######### 318,385 2,251,081 315,502 3,251,042 497,240 - 463,036 - 3,066,706 4,029,580 2,946,624 1,135,795 - 3,257,103 1,122,378 - Total Contingent Payables 4,082,419 4,379,481 TOTAL CONTINGENCIES - NET (1,015,713) Total Contingent Receivables IV. CONTINGENT PAYABLES 1 Guaranteed issued 1. Bank guarantees a. Rupiah b. Foreign currencies 2. Others MANAGEMENT As at 31 March 2017 - President Commissioner - Deputy President Commissioner - Commissioner - Commissioner - Commissioner - Commissioner DIRECTORS - President Director - Director - Director - Director - Director - Director - Director - Director - Director - Director : : : : : : : : : : : : : : : : Pramukti Surjaudaja Peter Eko Sutioso *) Jusuf Halim *) Lai Teck Poh (Dua Teck Poh) Kwan Chiew Choi *) Samuel Nag Tsien Parwati Surjaudaja Yogadharma Ratnapalasari Rama Pranata Kusumaputra Emilya Tjahjadi Hartati *) Martin Widjaja Andrae Krishnawan W Low Seh Kiat Johannes Husin Joseph Chan Fook Onn S H A R E H O L D E R S As at 31 March 2017 OCBC Overseas Investment Pte.Ltd. (Controlling shareholder) Others Independent 7,191,946 36,669,232 - III CONTINGENT RECEIVABLES 1. Guarantees received a. Rupiah b. Foreign currencies b. Income from profit sharing a. Loan interest b. Other interest 3. Others *) 31-Dec-16 85.08% 14.92% (349,901)
5. STATEMENTS OF ASSETS QUALITY AND OTHER INFORMATION 31 March 2017 and 2016 PT BANK OCBC NISP Tbk . (in million Rupiah) BANK Description No 2017 Current I. 1. Special Mention Substandard 2016 Doubtful Loss Total Current Special Mention Substandard Doubtful Loss Total RELATED PARTIES Placement with other banks a. Rupiah b. Foreign currency 93,915 - - - - 93,915 136,105 - - - - 136,105 Spot and derivative receivables a. Rupiah b. Foreign currency 11,208 16,093 - - - - 11,208 16,093 8 47,684 - - - - 8 47,684 Marketable securities a. Rupiah b. Foreign currency - - - - - - - - - - - - Securities sold with repurchase agreement (repo) a. Rupiah b. Foreign currency - - - - - - - - - - - - Securities purchased with resell agreement (reverse repo) a. Rupiah b. Foreign currency - - - - - - - - - - - - 6. Acceptance receivables - - - - - - - - - - - - 7. Loans a. Micro debtors Small and medium business (SME) i. Rupiah ii. Foreign currency b. Non small and medium business (Non SME) i. Rupiah ii. Foreign currency c. Restructured loans i. Rupiah ii. Foreign currency d. Property loans 7,104 - - - - - 7,104 - 25,731 198,900 - - - - 25,731 198,900 397,577 600,704 - - - - 397,577 600,704 1,397,450 1,659,708 - - - - 1,397,511 1,659,708 159,462 - - - - 159,462 42,414 - - - - 42,414 2. 3. 4. 5. 61 8. Investments - - - - - - - - - - - - 9. Temporary investment - - - - - - - - - - - - - - - - - - - - - - - - 58,438 - - - - 58,438 - - - - - - - - - - - - - - - - - - 1,949,670 367,158 - - - - 1,949,670 367,158 898,725 956,667 - - - - 898,725 956,667 319,115 5,385 - - - - 319,115 5,385 536,150 24,203 - - - - 536,150 24,203 23,883,193 6,219,162 - - - - 23,883,193 6,219,162 11,646,881 7,463,846 - - - 83,537 - - - - - - - - 563,286 - - - - 2,156,022 10. Other receivables 11. Commitment and contingencies a. Rupiah b. Foreign currency 12. Foreclosed assets II. 1. 2. 3. 4. 5. NON-RELATED PARTIES Placement with other banks a. Rupiah b. Foreign currency Spot and derivative receivables a. Rupiah b. Foreign currency Marketable securities a. Rupiah b. Foreign currency Securities sold with repurchase agreement (repo) a. Rupiah b. Foreign currencies - - - - - - Securities purchased with resell agreement (reverse repo) a. Rupiah b. Foreign currencies - - - - - - 3,148,466 5,039 - - - 11,224,744 264,149 267,599 - 11,366 - 68,271 - 55,004,976 23,490,635 1,095,550 52,732 163,073 151,896 597,395 540,812 14,669,890 491,215 21,092 343,776 137,063 151,896 20,752 6. Acceptance receivables 7. Loans a. Micro debtors Small and medium business (SME) i. Rupiah ii. Foreign currency b. Non small and medium business (Non SME) i. Rupiah ii. Foreign currency c. Restructured loans i. Rupiah ii. Foreign currency d. Property loans 563,286 - 11,646,881 7,547,383 - 3,153,505 2,153,917 2,105 281,512 5,115 11,853,492 269,264 10,256,061 401,982 103,516 3,713 8,401 4,219 31,726 - 152,486 5,089 10,552,190 415,003 45,943 - 1,002,464 46,921 57,312,006 23,742,184 49,632,471 18,713,940 928,977 308,176 72,170 40,115 194,932 - 646,185 39,473 51,474,735 19,101,704 3,199 24,638 427,993 10,359 158,354 1,656,865 724,159 15,217,410 551,708 413,305 13,469,749 420,669 219,779 334,145 32,520 44,334 25,875 166,977 15,509 181,877 10,308 158,595 1,353,751 687,726 14,003,873
6. BANK Description No 2017 Current Special Mention Substandard 2016 Doubtful Loss Total Current Special Mention Substandard Doubtful Loss Total 8 . Investments - - - - - - - - - - - 9. Temporary investment - - - - - - - - - - - 744,776 17,557 - - - 762,333 73,701 6,170 - - 42,484 122,355 11. Commitments and contingencies a. Rupiah b. Foreign currencies 3,244,673 3,528,773 4,385 - - - - 3,249,058 3,528,773 2,961,419 3,499,729 2,981 - - - 3,956 - 2,968,356 3,499,729 12. Placement with Bank Indonesia 1,795,809 - - - - 1,795,809 915,700 - - - - 915,700 269,925 - - 4,097 440,383 203,633 - - - 792 204,425 10. Other receivables 13. Foreclosed assets 1. 2. 3. 4. 5. 6. 7. 8. 166,361 OTHER 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 enterprise to total loans Percentage of micro debtor loans to the total loans Percentage number of small medium enterprise debtors to total debtors Percentage number of small business debtors to the total debtors Others a. Credit channeling b. Mudharabah Muqayyadah funding c. Written-off Productive assets d. Recovery from written off productive assets e. Productive assets claims written-off 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. Description Placement with other banks Spot and derivative receivable Marketable securities Securities sold under repurchase agreement (repo) Securities purchased under resell agreement (reverse repo) Acceptance receivables Loans Investment Temporary investments Other receivables Commitments and contingent 2017 Allowance for Impairment Individual Collective 7,448 25,720 876,599 2,402,732 2,674 - Provision required General Speciiic 24,107 3,518 30,516 31,485 252 909,852 1,353,986 7,448 878 67,734 219 - 3,315,173 2,429,995 12.88% 0.88% 4.40% 0.39% 2,182,183 1,611,521 13.19% 1.34% 4.02% 0.49% 719,796 1,503 124,929 628,199 2,211 130,390 ALLOWANCE FOR POSSIBLE LOSSES As at 31 March 2017 and 2016 No - 2016 Allowance jor Impairment Individual Collective 3,822 27,563 546,456 1,566,597 37,385 360 Provision required General SpeciMic 19,915 6,080 19,822 83,537 5,633 21,539 105 815,839 526,805 64,611 4,106 737 42,792
7. STATEMENTS OF FINANCIAL RATIOS As at 31 March 2017 and 2016 No . RATIO (%) Performance Ratio 1 Capital Adequacy Ratio 2 Non performing productive and non productive assets to the total productive and non productive assets 3 Non performing productive assets to the productive assets 4 Allowance for impairment losses of financial assets to productive assets 5 NPL - gross 6 NPL - net 7 Return on Asset (ROA) 8 Return on Equity (ROE) 9 Net Interest Margin (NIM) 10 Operating Expenses to Operating Income (BOPO) 11 Loan to Deposit Ratio (LDR) COMPLIANCE 1 a. Percentage in breach of legal lending limit i. Related parties ii. Non related parties b. Percentage in excess of legal lending limit i. Related parties ii. Non related parties 2 Statutory Reserves a. IDR Statutory Reserves b. Foreign Currencies Statutory Reserves 3 Net Open Position 2017 2016 18.23% 18.00% 1.39% 1.34% 2.49% 1.89% 0.84% 2.06% 11.47% 4.31% 75.38% 85.89% 1.13% 1.19% 1.97% 1.41% 0.76% 2.05% 10.99% 5.23% 78.73% 94.70% 6.51% 8.03% 2.79% - - - 6.52% 8.02% 0.84%
8. FINANCIAL STATEMENT FOREIGN EXCHANGE & PUBLIC LISTED BANK CAPITAL ADEQUACY RATIO (CAR) *) As at 31 March 2017 and 2016 (in million Rupiah) D E S C R I P T I O N 2017 I CORE CAPITAL (Tier 1) 1 Main Core Capital (CET 1) 1.1 Paid up Capital (After deducted treasury stock) 1.2 Additional Capital Reserve 1.2.1 Additional factors 1.2.1.1 Other Comprehensive Income 1.2.1.1.1 The excess of the financial statement translation 1.2.1.1.2 Potential benefits of the increase in the fair value of financial assets available for sale 1.2.1.1.3 The balance of revaluation surplus 1.2.1.2 Additional reserves other capital (other disclosed reserves ) 1.2.1.2.1 Agio 1.2.1.2.2 General reserves 1.2.1.2.3 Profit previous years 1.2.1.2.4 Current year profit 1.2.1.2.5 Fund capital injection 1.2.1.2.6 Others 1.2.2 Offsetting factors 1.2.2.1 Other Comprehensive Income 1.2.2.1.1 Less difference translation of financial statements 1.2.2.1.2 Potential losses from the decline in fair value of financial assets available for sale 1.2.2.2 Additional reserves other capital (other disclosed reserves ) 1.2.2.2.1 Disagio 1.2.2.2.2 Loss previous years 1.2.2.2.3 Current year loss 1.2.2.2.4 Allowance less difference between assets and reserves for impairment losses on earning assets 1.2.2.2.5 The difference is less amount of fair value adjustment of financial instruments in the Trading Book 1.2.2.2.6 Allowance for non-productive assets shall be established 1.2.2.2.7 Others 1.3 Non-Controlling Interests that can be calculated 1.4 Less Factor Main Core Capital 1.4.1 Deferred tax calculation 1.4.2 Goodwill 1.4.3 Other intangible assets 1.4.4 Investments are accounted for as a deduction 1.4.5 Shortage of capital on insurance company subsidiary 1.4.6 Securitization exposure 1.4.7 Offsetting Factors other core capital 1.4.7.1 Placement of funds on the instrument AT 1 and / or Tier 2 other banks 1.4.7.2 Cross-ownership in another entity acquired by the transition because of the law, grants, or grants will 2 Additional Core Capital (AT-1) 2.1 Instruments that meet the requirements AT-1 2.2 Agio / Disagio 2.3 Additional Core Capital Reduction Factor 2.3.1 Placement of funds on the instrument AT 1 and / or Tier 2 other banks 2.3.2 Cross-ownership in another entity acquired by the transition because of the law, grants, or grants will II Supplementary Capital (Tier 2) 1 Capital instruments in the form of shares or other eligible Tier 2 2 Agio atau disagio 3 General reserve productive assets that should be formed (maks 1.25% Credit Risk Weighted Assets) 4 Offsetting Factors supplementary capital 4.1 Sinking Fund 4.2 Placement of funds in Tier 2 instruments with other banks 4.3 Cross-ownership in another entity acquired by the transition because of the law, grants, or grants will Total Capital DESCRIPTION RISK WEIGHTED ASSETS RWA CREDIT RISK RWA MARKET RISK RWA OPERATIONAL RISK TOTAL RWA CAR BASED ON RISK PROFILE CAR ALLOCATION From CET1 From AT1 From Tier 2 2017 DESCRIPTION 2016 2016 19,830,815 19,830,815 1,434,081 18,703,354 18,735,188 1,322,581 64,179 1,258,402 17,412,607 6,829,361 2,050 10,018,387 562,809 31,834 31,834 31,834 - 16,828,061 16,828,061 1,434,081 - 306,620 306,620 1,118,644 43,984 1,074,660 20,949,459 117,727 1,173,798 219,622 954,176 18,001,859 2017 2016 CAR 102,692,181 1,619,075 10,622,431 114,933,687 8.00% 90,103,619 1,068,111 8,860,547 100,032,277 9.57% 7.03% 0.00% 0.97% 8.40% 0.00% 1.17% CET1 Ratio Tier 1 Ratio Tier 2 Ratio Total Ratio CET 1 FOR BUFFER BUFFER PERCENTAGE SHOULD FULFILLED BY BANK Capital Conservation Buffer Countercyclical Buffer Capital Surcharge for D-SIB 17.25% 17.25% 0.97% 18.23% 10.23% 16.82% 16.82% 1.17% 18.00% 8.43% 1.25% 0.00% 0.50% 0.625% 0.00% 0.25%
9. STATEMENTS OF SPOT AND DERIVATIVE TRANSACTIONS As at 31 March 2017 (in million Rupiah) No. TRANSACTION Notional Amount Purpose Trading Derivative Receivable and Payable Receivables Payables Hedging A. Related to exchange rate 1. Spot 4,614,977 4,614,977 - 3,450 2,898 2. Forward 2,930,017 2,930,017 - 16,520 15,514 277,183 84,610 277,183 84,610 - 365 204 247 177 - - - 3. Option a. Sold a. Bought 4. Future - 5. Swap 20,290,310 6. Others 20,290,310 - 329,688 171,550 - - - - - 1. Forward - - - - - 2. Option a. Sold b. Bought - - - - - B. Related to Interest Rate 3. Future 4. Swap 466,393 466,393 - - - 1,383,533 1,383,533 - 1,574 3,400 5. Others - - - - - C. Others - - - - - TOTAL 30,047,023 30,047,023 - 351,801 193,786
10. Notes : - - The Financial Statements has been prepared based on the unaudited financial statements as at 31 March 2017 and 2016 and audited financial position as at 31 December 2016 by the Public Accountant Firm of Tanudiredja, Wibisana, Rintis & Rekan - a member firm of PwC global network with the partner in charge: Lucy Luciana Suhenda, S.E., Ak., CPA dated 25 January 2017 with an Unmodified Opinion, with some adjustments to comply with Financial Service Authority (OJK) Regulation No.32/POJK.03/2016 dated 8 August 2016 regarding of amendment Financial Service Authority (OJK) Regulation No. 6/POJK.3/2015 and Circular Letter of Financial Service Authority (OJK) Regulation No.43/SEOJK.03/2016 dated 28 September 2016 regarding Transparation and Publication Report for Commercial Banks. Foreign Exchange Rate USD as at 31 March 2017 : 1 USD = Rp. 13,325.50 Exchange Rate USD as at 31 March 2016 : 1 USD = Rp. 13,260.00 Exchange Rate USD ast 31 December 2016 : 1 USD = Rp. 13,472.50
11. BALANCE SHEETS 31 March 2017 dan 31 December 2016 (in million Rupiah) No. 1 2 3 4 5 6 7 8 9 10 11 12 13 No. 1 2 3 4 5 6 7 8 9 Description ASSETS Cash Placements with Bank Indonesia Placements with other banks Marketable securities Financing receivables Profit sharing financing Leased financing Other productive assets Allowance for impairment losses on earning assets a. Individual b. Collective Fixed assets and inventory Non productive assets Allowance for impairment losses on other assets Other assets TOTAL ASSETS Description LIABILITIES Deposit funds Wadiah Non Profit Sharing Investment Funds Liabilities to Bank Indonesia Liabilities to other bank Securities Issued Other Liabilities Profit Sharing Investment Funds Business Funds Accumulated Gain/(loss) TOTAL LIABILITIES 31-Mar-17 31-Dec-16 2,424 1,210,210 378,315 3,613 1,635,888 - 2,419 634,344 534,676 3,949 1,610,340 - (804) (17,186) 7,827 (1) 19,138 3,239,424 (6,703) (9,268) 7,844 (1) 25,053 2,802,653 31-Mar-17 846,758 2,111,477 6,272 13,197 256,127 5,593 3,239,424 31-Dec-16 624,199 1,913,916 4,311 10,442 205,955 43,830 2,802,653 STATEMENTS OF INCOME For The Three Month Periods Ended 31 March 2017 and 2016 (in million Rupiah) No. Description Operating Income and Expenses A. Operating Income and Expenses of the Disbursement 1 Financing Income a. Income from receivables b. Income from profit sharing c. Others 2 Profit Sharing To Owners of Investment Fund a. Non profit sharing b. Profit sharing 3 Income after profit sharing distribution 2017 2016 61,433 110 45,007 16,316 32,488 32,488 28,945 60,168 126 47,993 12,049 29,470 29,470 30,698 10,318 3,867 6,451 33,525 7,219 2,161 - 5,028 2,675 2,353 18,464 1,094 - B. Operating Income and Expenses other than Financing 1 Other Operating Income a. Income as mudharib in mudharabah muqayyadah b. Commission / provision / fee and administration c. Other income 2 Other Operating Expenses a. Wadiah bonus b. Impairment losses of financial assets (impairment) c. Loss on operational risk
12. d . Commission / provision / fee and administration e. Impairment losses on other assets (non-financial) f. Personnel expenses g. Other expenses 2,503 21,642 2,287 15,083 3 Others Operating Income (Expenses) (23,207) (13,436) OPERATING INCOME (EXPENSES) 5,738 17,262 (2,148) (1,569) (2,148) (1,569) 3,590 15,693 - - 3,590 15,693 2,280 2,280 5,870 910 910 16,603 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 (expenses) Non Operating Income (Expense) PROFIT/ (LOSS) BEFORE TAX FOR THE PERIOD ENDED Income tax PROFIT/ (LOSS) NET OF TAX OTHER COMPREHENSIVE INCOME 1 Items that will not be reclassified to profit or loss 2 Items that will be reclassified to profit or loss Other comprehensive income current year - net income tax TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE YEAR Financial Ratio Report 31 March 2017 dan 2016 No. Description 1 2 3 4 5 6 7 8 Total sharia business units assets to total conventional bank assets which owned UUS Non performing earning assets to total earning assets Allowance for Impairment Losses (CKPN) financial assets to productive assets NPF gross NPF net Return On Assets (ROA) Profit sharing financing to total financing Financing to Deposit Ratio (FDR) 2017 2016 2.25% 1.82% 0.89% 2.24% 1.71% 0.46% 99.78% 55.42% 2.10% 2.00% 1.12% 2.08% 1.66% 2.57% 99.69% 77.94% COMMITMENTS AND CONTINGENCIES As at 31 March 2017 and 31 December 2016 (in million Rupiah) No. Description I Commitment receivables 1. Financing facilities undrawn 2. Outstanding buying spot and forward contract 3. Others II Commitment liabilities 1. Unused Financing facilities 2. Others III Contingent receivables 1. Guarantees received 2. Margin receivables on non performing assets 3. Others IV Contingent liabilities 1. Guarantees issued 2. Others 31-Mar-17 31-Dec-16 - - - - 11,843 - 10,271 - - -
13. DISTRIBUTION TABLE FOR PROFIT SHARING For The Three Month Periods Ended 31 March 2017 (in million Rupiah) No. TYPE OF FUNDING A. Financing 1 Bank 2 Non Bank B. Funding 1 Demand deposits Wadiah a. Bank b. Non Bank 2 Demand deposits Mudharabah a. Bank b. Non Bank 3 Saving Wadiah a. Bank b. Non Bank 4 Saving Mudharabah a. Bank b. Non Bank 5 Time deposit Mudharabah a. Bank - 1 month - 3 months - 6 months - 12 months b. Non Bank - 1 month - 3 months - 6 months - 12 months TOTAL AVERAGE BALANCE REVENUE TO BE DISTRIBUTED NISBAH % A B C 1,639,501 OWNER PORTION OF FUNDS TOTAL BONUS RATE OF & PROFIT SHARING RETURN INDICATION % D E = (D/A * 100%) *12 20,809 - - - 228 18,438 - - - 0.00% 0.00% 61 103,096 1 1,226 18% 15% 0 184 2.14% 2.14% 0 830,588 - - 2,816 4.98% 3.83% 108,768 848 38% 38% 322 0.00% 4.01% 1,479 600 - 15 6 6 3 - 42% 0 0 0 - 5.00% 0 - 13,924 3,413 1,290 86 20,809 42% 42% 42% 42% - 5,848 1,434 542 36 11,191 5.00% 5.00% 5.00% 5.00% - 1,403,545 344,058 130,066 8,700 2,949,626
14. 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 as amended by the Financial Services Authority Circular No. 10/SEOJK.03/2017 on Transparency and Publication Reports Sharia Commercial Bank and Sharia Business Unit. Jakarta, 27 April 2017 Dr. Muhammad Anwar Ibrahim Sharia Supervisory Board Andrae Krishnawan W Director