CIMB Niaga: Consolidated Financial Statements - 2Q 2017

Transcription

1. CONSOLIDATED FINANCIAL STATEMENTS AND OTHER FINANCIAL INFORMATION STATEMENTS OF FINANCIAL POSITION As at 30 June 2017 and 31 December 2016 (in million Rupiah) BANK CIMB NIAGA No. ACCOUNTS 30 June 2017 CONSOLIDATED 31 December 2016 30 June 2017 31 December 2016 ASSETS 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 16. 17. 18. 19. Cash Placement to Bank Indonesia Interbank placement Spot and derivatives claims Securities a. Measured at fair value through profit and loss b. Available for sale c. Hold to maturity d. Loan and receivables Securities sold under repurchase agreement (repo) Claims on securities bought under reverse repo Acceptance claims Loans a. Measured at fair value through profit and loss b. Available for sale c. Hold to maturity d. Loan and receivables Sharia financing Equity investment Impairment on financial assets -/a. 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 asset a. Abandoned property b. Foreclosed assets c. Suspense accounts d. Interbranch assets i. Conducting operational activities in Indonesia ii. Conducting operational activities outside Indonesia Impairment on non financial assets -/Leasing Deferred tax assets Other assets TOTAL ASSETS 5,384,922 15,421,441 3,096,447 358,348 3,261,444 16,991,628 2,327,210 484,602 5,385,106 15,421,441 3,197,368 358,348 3,261,730 16,991,628 2,414,493 484,602 5,030,747 13,455,189 8,161,830 153,216 3,692,517 3,463,368 15,871,262 8,229,642 542,956 4,488,511 5,030,747 13,455,189 8,161,830 153,216 3,692,517 3,463,368 15,871,262 8,229,642 542,956 4,488,511 162,369,654 13,594,149 783,285 164,600,707 10,205,773 783,285 166,612,954 13,594,149 4,464 169,875,839 10,205,773 4,464 (32,302) (7,080,909) (444,467) 2,282,027 (891,591) 7,429,565 (2,260,568) (35,913) (7,664,256) (442,317) 2,260,824 (783,872) 7,400,594 (2,144,903) (32,302) (7,515,884) (473,202) 2,306,673 (911,607) 7,529,815 (2,350,172) (35,913) (8,098,253) (472,763) 2,285,292 (802,995) 7,504,192 (2,234,845) 8,164 467,734 87,116 8,164 638,208 47,544 8,164 505,749 87,116 8,164 683,610 47,544 (91,546) 78,137 7,248,997 (184,363) 272,968 6,329,424 (119,531) 44,792 111,469 7,556,260 (207,750) 82,427 296,499 6,682,251 238,302,102 236,952,490 241,814,669 241,571,728
2. CONSOLIDATED FINANCIAL STATEMENTS AND OTHER FINANCIAL INFORMATION STATEMENTS OF FINANCIAL POSITION As at 30 June 2017 and 31 December 2016 (in million Rupiah) BANK CIMB NIAGA No. ACCOUNTS 30 June 2017 CONSOLIDATED 31 December 2016 30 June 2017 31 December 2016 LIABILITIES AND EQUITIES 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 16. LIABILITIES Current account Saving account Time deposit Revenue sharing investment Liabilities to Bank Indonesia Interbank liabilities Spot and derivatives liabilities Liabilities on securities sold under repurchase agreement Acceptance liabilities Issued securities Loans received Margin deposit Interbranch liabilities a. Conducting operational activities in Indonesia b. Conducting operational activities outside Indonesia Deferred tax liabilities Other liabilities Profit sharing investment TOTAL LIABILITIES 43,600,930 45,798,395 72,755,183 12,369,494 1 5,314,478 137,264 4,965,571 3,689,650 3,951,386 3,688,390 157,298 43,274,217 43,378,804 83,378,833 10,628,776 1 4,557,473 362,917 169,634 4,077,182 3,787,704 3,994,455 167,460 43,443,641 45,798,395 72,755,183 12,369,494 1 5,314,478 137,264 4,965,571 3,689,650 3,951,386 6,460,482 157,298 43,184,721 43,378,804 83,378,833 10,628,776 1 4,557,473 362,917 169,634 4,077,182 3,787,704 7,865,638 167,460 185,943 6,332,504 202,946,487 13,439 5,316,658 203,107,553 185,943 6,861,629 206,090,415 13,439 5,791,524 207,364,106 EQUITIES 17. 18. 19. 20. 21. 22. 23. 24. 25. Paid in capital a. Capital b. Unpaid capital -/c. Treasury Stock -/Addition paid-in capital a. Agio b. Disagio -/c. Donated capital d. Fund for paid up capital e. Others Other comprehensive gain/(loss) a. Translation adjustment from foreign currency b. Gain/(loss) on value changes of financial assets categorized as available for sale c. Effective portion of cash flow hedge d. Gains on fixed assets revaluation e. Portion of other comprehensive income from associates f. Gains/(loss) on defined benefit actuarial program g. Income tax of other comprehensive income h. Others Difference in quasi-reorganisation Difference in restructuring of entity under common control Other equity Reserves a. General reserves b. Appropriated reserves Transaction with non-controlling interest Gain/(Loss) a. Previous years b. Current year TOTAL EQUITIES ATTRIBUTABLE TO OWNERS 26. Non-controlling interest TOTAL EQUITIES TOTAL LIABILITIES AND EQUITIES 2,900,000 (1,287,743) - 2,900,000 (1,287,743) - 2,900,000 (1,287,743) - 2,900,000 (1,287,743) - 7,033,450 57,011 7,033,450 57,011 7,033,450 57,011 7,033,450 57,011 - - - - (29,149) 3,077,883 (63,914) - (166,991) 3,077,883 (63,914) - (29,149) 3,077,883 (66,308) - (166,991) 3,077,883 (64,866) - 351,538 - 351,538 - 351,538 (35,723) 351,538 (35,723) 21,943,703 1,372,836 19,904,487 2,039,216 22,342,245 1,380,227 20,260,558 2,081,687 35,355,615 33,844,937 35,723,431 34,206,804 35,355,615 33,844,937 823 35,724,254 818 34,207,622 238,302,102 236,952,490 241,814,669 241,571,728
3. CONSOLIDATED FINANCIAL STATEMENTS AND OTHER FINANCIAL INFORMATION STATEMENTS OF COMPREHENSIVE INCOME Period of 1 January - 30 June 2017 and 2016 (in million Rupiah, except for earnings per share) BANK CIMB NIAGA No. ACCOUNTS 2017 CONSOLIDATED 2016 2017 2016 OPERATIONAL INCOME AND EXPENSES A. Interest Income and Expenses 1. 2. Interest Income a. Rupiah b. Foreign Currency 9,119,956 563,627 9,459,127 625,224 9,617,217 563,627 9,990,834 625,224 Interest Expenses a. Rupiah b. Foreign Currency 3,555,944 110,571 4,432,081 113,458 3,741,014 110,571 4,689,453 113,458 6,017,068 5,538,812 6,329,259 5,813,147 1,990,056 1,802,297 2,085,025 2,020,821 19,848 104,914 - 32,082 301,391 - 19,848 104,914 - 32,082 301,391 - 183,263 296,538 278 1,268,310 3,696 113,209 144,530 165,672 219 1,066,650 4,775 86,978 183,263 296,538 278 1,283,234 8,555 188,395 144,530 165,672 219 1,173,540 4,775 198,612 6,173,687 6,393,164 6,583,112 6,783,189 Net Interest Income B. Operational Income and Expenses Other than Interest 1. Operational Income Other than Interest a. b. c. d. e. f. g. h. i. 2. Positive mark to market on financial assets i. Securities ii. Loans iii. Spot and derivatives iv. Other financial assets Negative mark to market on financial liabilities Gain on sale of financial assets i. 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 asset impairment Other income Operational Expenses Other than Interest a. b. c. d. e. f. g. h. i. j. k. l. Negative mark to market on financial assets i. Securities ii. Loans iii. Spot and derivatives iv. Other financial assets Positive mark to market on financial liabilities Loss on sale of financial assets i. Securities ii. Loans iii. Other financial assets Loss on spot and derivatives (realised) Impairment of financial assets i. 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 of other assets (non financial assets) Personnel expenses Promotion expenses Other expenses Net Operational Expenses Other than Interest OPERATIONAL PROFIT 189 - - 189 - - 356,925 263,295 356,925 263,295 1,848,112 29,881 2,299 3,485 313,570 58,668 1,736,560 127,695 1,696,303 2,262,701 1,540 14,499 288,739 121,745 1,623,167 119,005 1,698,473 2,009,735 29,881 2,299 3,485 313,570 94,613 1,874,127 133,505 1,764,783 2,406,916 2,411 14,499 288,739 129,773 1,751,203 136,741 1,789,612 (4,183,631) 1,833,437 (4,590,867) 947,945 (4,498,087) 1,831,172 (4,762,368) 1,050,779
4. CONSOLIDATED FINANCIAL STATEMENTS AND OTHER FINANCIAL INFORMATION STATEMENTS OF COMPREHENSIVE INCOME Period of 1 January - 30 June 2017 and 2016 (in million Rupiah, except for earnings per share) BANK CIMB NIAGA No. ACCOUNTS NON OPERATIONAL INCOME (EXPENSES) 1. Gain on sale of fixed assets and equipment 2. Gain/(loss) on foreign exchange translation 3. Other non operational income/(expenses) NON OPERATIONAL PROFIT/(LOSS) CURRENT PERIOD PROFIT BEFORE INCOME TAXES Income Taxes a. Estimated current year tax b. Deferred tax income (expenses) CURRENT PERIOD NET PROFIT AFTER INCOME TAXES 1 2 OTHER COMPREHENSIVE INCOME Item that will not be reclassified to profit or loss a. Gain on revaluation of fixed assets b. Gain/(loss) on defined benefit actuarial program c. Portion of other comprehensive income from associates d. Others e. Income tax (charged)/credited relating to item that will not be reclassified to profit or loss Item that may be reclassified subsequently to profit or loss a. Translation adjustment from foreign currency b. Gain/(loss) on value changes of financial assets categorized as available for sale c. Effective portion of cash flow hedge d. Others e. Income tax (charged)/credited relating to item that will be reclassified to profit or loss 2017 CONSOLIDATED 2016 2017 2016 245 12,259 12,504 321 8,416 8,737 477 22,963 23,440 1,845,941 956,682 1,854,612 (324,222) (148,883) 1,372,836 - (146,595) (103,793) 706,294 2,962,485 3,077,883 (153,864) - (334,658) (139,722) 1,380,232 (1,442) (2,081) - 789 (6,043) (5,254) 1,045,525 (175,952) (133,453) 736,120 2,961,215 3,077,883 (155,557) - 38,466 639 38,889 137,842 - 482,666 - 137,842 - 482,666 - 183,789 - 643,556 - 183,789 - 643,556 - (45,947) (160,890) (45,947) (160,890) Other comprehensive income of the current period net of applicable income tax CURRENT PERIOD TOTAL COMPREHENSIVE PROFIT 137,842 1,510,678 3,445,151 4,151,445 136,400 1,516,632 3,443,881 4,180,001 Profit Attributable to: OWNER NON-CONTROLLING INTEREST CURRENT PERIOD TOTAL PROFIT 1,372,836 1,372,836 706,294 706,294 1,380,227 5 1,380,232 736,099 21 736,120 Total other comprehensive income attributable to: OWNER NON-CONTROLLING INTEREST CURRENT PERIOD TOTAL COMPREHENSIVE PROFIT 137,842 137,842 3,445,151 3,445,151 136,400 136,400 3,443,881 3,443,881 Total comprehensive profit attributable to: OWNER NON-CONTROLLING INTEREST CURRENT PERIOD TOTAL COMPREHENSIVE PROFIT 1,510,678 1,510,678 4,151,445 4,151,445 1,516,627 5 1,516,632 4,179,980 21 4,180,001 TRANSFER OF PROFIT/(LOSS) TO HEAD OFFICE - - - - DIVIDEND - - - - 54.63 28.10 54.92 29.29 NET EARNINGS PER SHARE
5. CONSOLIDATED FINANCIAL STATEMENTS AND OTHER FINANCIAL INFORMATION STATEMENTS OF CASH FLOWS Period of 1 January - 30 June 2017 and 2016 (in million Rupiah) BANK CIMB NIAGA No. A. B. ACCOUNTS 2017 2016 2017 Cash flows from operating activities: Receipts of interest, fees and commissions income Payments of interests, fees and commissions Other operating income Foreign exchange & derivative gain - net Other operating expenses Non operating income/(expenses) - net Cash flow before changes in operating assets and liabilities 10,578,252 (3,344,786) 113,209 (31,109) (2,699,802) (22,850) 4,592,914 10,893,056 (4,220,966) 86,978 (527,531) (2,569,593) 87,401 3,749,345 11,089,229 (3,347,862) 188,395 (31,109) (2,749,401) 23,453 5,172,705 Changes in assets and liabilities: - (Increase)/decrease in assets: - Marketable securities and government bonds for trading - Securities purchased under resale agreements - Loans - Acceptance receivable - Consumer financing receivables (1,364,456) 389,740 (3,666,060) 795,994 - - Increase/(decrease) in liabilities: - Deposits from customers - Deposits from other banks - Securities sold under repurchase agreement - Acceptance payables - Taxes payable Income tax paid during the period (6,136,628) 757,005 4,795,937 (387,532) (4,553) (546,633) Net cash provided by/(used in) operating activities (774,272) Cash flows from investing activities: Decrease/(increase) in available-for-sale and held-to-maturity marketable securities and government bonds Disposal/(addition) in long term investments Proceeds from sale of fixed assets Acquisition of fixed assets Acquisition of intangible assets Net cash provided by/(used in) investing activities C. CONSOLIDATED Cash flows from financing activities: Additional of borrowing Increase/(decrease) in marketable securities issued Payment of interest and borrowing Payment of bonds interest and marketable securities issued Net cash used in by financing activities Effects on exchange rate differences in cash and cash equivalent 2,978,906 297 (30,887) (21,203) 2,927,113 493,419 91,391 783,063 451,707 767,889 (2,541,697) (990,518) (481,126) 73,780 (59,685) 2,337,568 (2,175,304) (751) 626 (599,418) (189,344) (2,964,191) 2016 (1,364,456) 389,740 (4,152,246) 795,994 1,366,809 (6,204,421) 757,005 4,795,937 (387,532) (4,759) (582,878) 581,898 2,978,906 627 (87,877) (21,473) 2,870,183 11,531,735 (4,224,086) 198,612 (527,530) (2,963,438) 85,935 4,101,228 493,419 91,391 455,457 451,707 185,382 759,820 (2,541,697) (990,518) (481,126) 96,829 (222,495) 2,399,397 (2,175,304) (751) 1,258 (484,539) (189,690) (2,849,026) 310,639 3,682 (507,259) (297,893) 126,463 2,248 (1,610,476) (329,615) 409,795 3,682 (1,892,119) (297,893) 1,373,168 (597,606) (2,341,018) (341,182) (490,831) (1,811,380) (1,776,535) (1,906,638) (27,608) 443,334 1,634,402 Cash and cash equivalent at beginning of the period 23,328,546 28,050,545 23,416,115 28,130,816 Cash and cash equivalent at ending of the period 24,962,948 26,055,876 25,064,053 26,217,883 5,384,922 14,447,785 2,837,124 4,099,721 12,615,089 2,503,357 5,385,106 14,447,785 2,938,045 4,109,483 12,615,089 2,655,602 1,232,979 5,814,578 1,232,979 5,814,578 1,060,138 24,962,948 1,023,131 26,055,876 1,060,138 25,064,053 1,023,131 26,217,883 Supplemental cash flows information: Activities not affecting cash flows - - 1,647,938 443,334 Net increase/(decrease) in cash and cash equivalent Cash and cash equivalent consist of: Cash Current accounts with Bank Indonesia Current accounts with other banks Placement with other banks - 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 (1,994,669) (27,608) - (1,912,933) -
6. CALCULATION OF CAPITAL ADEQUACY RATIO as at 30 June 2017 and 2016 (in million Rupiah, except for ratios in percentage) ACCOUNTS NO. 2017 Bank CIMB Niaga I 32,993,194 32,993,194 1,612,257 1 3,077,883 7,090,461 351,538 21,938,651 1,372,836 29,149 208,944 78,137 1,360,433 773,770 - Core Capital (Tier 1) 1 Common Equity Tier (CET 1) 1.1 Paid in Capital (after deducting Treasury Stock) 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 available for sale 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 fo 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 available for sale 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 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 2 Additonal Tier 1 2.1 Capital instrument which can be calculated as AT 1 2.2 Agio/Disagio 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 - 2017 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 (%) CAR ALLOCATED From CET1 (%) From AT1 (%) From Tier 2 (%) 2016 Consolidated Bank CIMB Niaga DESCRIPTION Consolidated 168,148,593 1,997,759 24,849,418 194,995,770 171,696,845 1,997,759 26,207,702 199,902,306 161,666,278 2,219,039 23,782,852 187,668,169 167,187,563 2,219,039 25,207,603 194,614,205 9.90 9.90 9.90 9.90 CET1 FOR BUFFER (%) 111,469 1,365,064 - 2,693,506 739,960 1,953,546 36,838,542 2017 Bank CIMB Niaga Capital Adequacy Ratio Ratio CET1 (%) Ratio Tier 1 (%) Ratio Tier 2 (%) Ratio KPMM (%) 34,145,036 34,145,036 1,612,257 1 3,077,883 7,090,461 351,538 22,347,295 1,380,227 29,149 208,944 - - 2,379,751 739,960 1,639,791 35,372,945 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 2016 Consolidated Bank CIMB Niaga Consolidated 29,923,198 - 31,065,458 - - - 2,906,207 32,829,405 3,229,201 34,294,659 2016 Consolidated Bank CIMB Niaga Consolidated 16.92 16.92 1.22 18.14 17.08 17.08 1.35 18.43 15.94 15.94 1.55 17.49 15.96 15.96 1.66 17.62 8.24 8.53 7.59 7.72 1.250 0.50 1.250 0.50 0.625 0.25 0.625 0.25 PERCENTAGE OF BUFFER MANDATORY FILLED BY THE BANK 8.68 1.22 8.55 1.35 8.35 1.55 8.24 1.66 Capital Conservation Buffer (%) Countercyclical Buffer (%) Capital Surcharge for Bank (%) 6
7. CONSOLIDATED FINANCIAL STATEMENTS AND OTHER FINANCIAL INFORMATION EARNING ASSETS QUALITY AND OTHER INFORMATIONS As at 30 June 2017 and 2016 (in million Rupiah) BANK CIMB NIAGA No. I. 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. II. 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. ACCOUNTS Pass Special Mention 2017 Substandard Doubtful Loss TOTAL Pass Special Mention 2016 Substandard Doubtful Loss TOTAL RELATED PARTIES 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 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - 1,068,212 - - - - - 1,068,212 - 1,066,626 - - - - - 1,066,626 - 143,307 778,821 - - - - - 143,307 778,821 - 109,710 789,046 - - - - - 109,710 789,046 - - - - - - - - - - - - - 263,699 2,823,402 - - - 9,346 263,699 2,832,748 165,230 2,708,077 - - - 9,265 165,230 2,717,342 258,173 100,175 - - - - 258,173 100,175 393,798 46,241 - - - - 393,798 46,241 23,858,727 2,774,039 - - - 15,000 - 23,873,727 2,774,039 24,337,653 3,952,453 - - - 15,000 - 24,352,653 3,952,453 - - - - - - - - - - - - 153,216 3,692,517 - - - - 153,216 3,692,517 83,161 3,800,142 - - - - 83,161 3,800,142 20,033,924 563,683 1,762,927 3,992 165,117 - 117,537 - 544,903 50,048 22,624,408 617,723 19,257,513 484,438 1,961,751 38,065 126,265 734 184,814 - 480,902 8,704 22,011,245 531,941 117,463,046 18,994,819 7,906,743 1,379,353 1,186,746 245,946 536,439 543,344 2,934,845 462,179 130,027,819 21,625,641 112,002,797 16,852,999 8,033,907 3,234,791 582,014 - 715,830 38,547 2,511,863 2,087,273 123,846,411 22,213,610 3,792,104 1,660,948 29,905,893 3,489 107,084 1,540,361 593,489 3,105,682 - 190,855 126,126 639,428 425 - 69,664 38,216 56,112 - 1,479,957 427,493 444,754 550 - 7,072,941 2,846,272 34,151,869 4,464 107,084 2,970,416 1,250,174 28,741,942 3,489 29,468 2,374,922 1,672,740 3,133,471 - 258,713 127,386 325 - 213,839 38,547 171,791 - 862,960 224,134 1,392,797 650 - 6,680,850 3,185,595 33,567,387 4,464 29,468 57,017,163 13,895,425 74,708 736,514 3,374 - 265,689 23,782 103,555 57,753,677 13,898,799 467,734 48,764,726 15,019,139 167,944 357,833 121,963 - 66,265 413,125 24,014 50,003 49,122,559 15,207,367 655,086 NON-RELATED PARTIES 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
8. CONSOLIDATED FINANCIAL STATEMENTS AND OTHER FINANCIAL INFORMATION EARNING ASSETS QUALITY AND OTHER INFORMATIONS As at 30 June 2017 and 2016 (in million Rupiah) BANK CIMB NIAGA No. III. 1. 2. 3. 4. 5. 6. 7. 8. ACCOUNTS Pass Special Mention 2017 Substandard Doubtful Loss TOTAL Pass Special Mention 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 8,320,689 7,627,076 13.29% 6.32% 20.09% 19.10% 2,567,722 139,165 - 2,192,040 86,978 - ALLOWANCES FOR POSSIBLE LOSSES As at 30 June 2017 and 2016 (in million Rupiah) 2017 No. ACCOUNTS Allowance for Impairment Individual 4. 5. 6. 7. 8. 9. 10. 11. TOTAL 7,557,678 6,757,787 13.21% 4.21% 10.08% 9.51% point a and b include propety loans and/or restructured loans 1. 2. 3. Loss OTHER INFORMATION . * 2016 Substandard Doubtful Interbank placement Spot and derivative claims Securities Securities sold under repurchase agreement (repo) Claims on securities bought under reverse repo Acceptance claims Loans Equity investment Temporary equity investment Other receivable Commitment and contingencies Collective 2016 Compulsary Allowance for Possible Losses on Assets General Specific Allowance for Impairment Compulsary Allowance for Possible Losses on Assets Individual General Collective Specific 9,346 15,000 4,817 17,302 30,871 3,583 66,825 9,346 15,000 9,265 15,000 6,474 20,363 28,733 4,400 80,676 9,265 15,000 3,250,668 805 - 3,830,241 - 36,925 1,425,002 7,823 1,071 62,843 4,631,391 614 36,994 3,938,881 890 - 3,900,317 - 38,001 1,504,048 7,925 295 60,079 5,414,526 699 33,930
9. CONSOLIDATED FINANCIAL STATEMENTS AND OTHER FINANCIAL INFORMATIONS FINANCIAL RATIOS As at 30 June 2017 and 2016 No . ACCOUNTS 2017 2016 PROFITABILITY RATIO Consolidated 1. Capital Adequacy Ratio 2. Non-performing Earning and Non-Earning Assets to Total Earning 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) Bank CIMB Niaga 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) 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. Minimum Reserve Requirement (MRR) *) a. Minimum Reserve Requirement (Rupiah) b. Minimum Reserve Requirement (Foreign currency) 3. Net Open Position **) *) 18.43% 17.62% 2.70% 3.43% 3.73% 3.89% 2.03% 1.55% 8.31% 5.87% 85.07% 101.69% 2.84% 3.48% 4.14% 3.90% 1.93% 0.89% 4.98% 5.47% 91.68% 96.54% 18.14% 17.49% 2.70% 3.43% 3.58% 3.92% 2.05% 1.57% 8.56% 5.72% 84.29% 99.14% 2.86% 3.52% 4.03% 3.97% 1.95% 0.83% 4.95% 5.36% 92.03% 93.31% - - - - 7.92% 8.64% 0.58% 6.65% 8.06% 1.15% Calculation of Statutory Reserves Requirement (MRR) as at 30 June 2017 and 2016 complies with Bank Indonesia's Regulation No. 12/19/PBI/2010 dated 4 October 2010 which was amended by PBI No. 13/10/PBI/2011 dated 9 February 2011 and PBI No. 15/15/PBI/2013 dated 24 December 2013 and PBI No. 17/11/PBI/2015 dated 26 June 2015 and second amendment with PBI No. 17/21/PBI/2015 third amendment with PBI No. 18/03/PBI/2016 and latest ammendment with PBI No. 18/14/PBI/2016 dated 24 August 2016 regarding Statutory Reserves of Commercial Banks at Bank Indonesia in Rupiah and Foreign Currencies. **) 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 As at 30 June 2017 and 31 December 2016 (in million Rupiah) BANK CIMB NIAGA No. I. ACCOUNTS 30 June 2017 CONSOLIDATED 31 December 2016 30 June 2017 31 December 2016 COMMITTED CLAIMS 1. II. Unused borrowing a. Rupiah b. Foreign currency 2. Outstanding spot and derivatives (purchased) 3. Others Total Committed Claims COMMITTED LIABILITIES 26,211,564 104,047 26,315,611 34,973,205 85,524 35,058,729 26,211,564 104,047 26,315,611 1. III. Undisbursed loan facilities to debtors a. BUMN i. Committed - Rupiah - Foreign currency ii. Uncommitted - Rupiah - Foreign currency b. Others i. Committed ii. Uncommitted 2. Undisbursed loan facilities to other banks a. Committed i. Rupiah ii. Foreign currency b. Uncommitted i. Rupiah ii. Foreign currency 3. Outstanding irrevocable letter of credit a. Foreign L/C b. Local L/C 4. Outstanding spot and derivatives (sold) 5. Others Total Committed Liabilities CONTINGENT CLAIMS 34,973,205 85,524 35,058,729 - 9,091 - - 1,983,123 701,092 1,756,216 543,929 1,983,123 701,092 1,756,216 543,929 16,233,545 45,095,403 14,337,903 46,316,353 16,233,545 45,095,403 14,337,903 46,316,353 31,765 - 60,683 - 31,765 - 60,683 - 1,265,513 - 1,412,236 - 1,265,513 - 1,412,236 - 1,398,546 601,951 45,996,901 205,589 113,522,519 1,235,760 836,478 24,633,926 69,516 91,203,000 1,398,546 601,951 45,996,901 205,589 113,522,519 1,235,760 836,478 24,633,926 69,516 91,203,000 1. IV. Guarantees received a. Rupiah b. Foreign currency 2. Accrued interest a. Loan interest b. Other interest 3. Others Total Contingent Claims CONTINGENT LIABILITIES 9,091 - 1. 2. Guarantees issued a. Rupiah b. Foreign currency Others Total Contingent Liabilities - 48,701 1,129,444 - 48,701 1,129,444 1,130,873 1,130,873 1,325,174 2,503,319 1,130,873 1,130,873 1,325,174 2,503,319 3,510,429 822,018 4,332,447 3,253,234 776,235 4,029,469 #REF! 3,510,429 822,018 4,332,447 3,253,234 776,235 4,029,469 #REF!
11. CONSOLIDATED FINANCIAL STATEMENTS AND OTHER FINANCIAL INFORMATION SPOT AND DERIVATIVE TRANSACTIONS As at 30 June 2017 No . A. B. TRANSACTIONS Exchange Rate Related 1. Spot 2. Forward 3. Option a. Written b. Purchased 4. Future 5. Swap 6. Other Interest Rate Related 1. Forward 2. Option a. Written 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 533,021 4,046,202 - 533,021 4,046,202 79 5,962 289 10,405 2,913,484 14,373,484 - - 2,913,484 14,373,484 - 683 22,177 - 2,333 30,649 - - - 15,326,625 28,638,885 1,000,000 15,326,625 27,638,885 1,919 327,528 4 93,584 - - - - - - - - - - Others 1. Credit Default Swap TOTAL 65,831,701 1,000,000 64,831,701 358,348 137,264
12. CONSOLIDATED FINANCIAL STATEMENTS AND OTHER FINANCIAL INFORMATIONS Basic Loan Interest Rate (Prime Lending Rate) As at 30 June 2017 Corporate Loans Prime Lending Rate 10.00% (% per year) Based on Business Segments* Retail Microfinance Consumer Loans Loans Credit * Housing Loans Non Housing Loans 10.75% 18.25% 10.00% 10.25% Notes: a. b. c. d. Prime Lending Rate (PLR) is used as basic in determining lending rate to customer by Bank. PLR is not taking into account the risk premium component depend from banks against the risk assessment of each debtor or group of debtor considering debtor's financial condition, prospect of loan repayment, industry sector and loans period. Thus, the magnitude of interest rates on loans charged to borrowers is not necessarily the same as PLR. In Consumer loans, non housing loans does not include the channeling of funds through credit cards and loans without collateral (Kredit Tanpa Agunan /KTA). PLR information at any time can be seen in publications in any office of the Bank and/or website (www.cimbniaga.com). Housing loans apply for a fixed tenor 1 (one) the first year. *Notes : In accordance with Bank Indonesia's Circular Letter No. 15/1/DNP dated on 15 January 2013 concerning of Basic Loan Interest Rate point II. C stated Microfinance credit as additional type of credit
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 Ultimate Shareholders : : : : : : : : Dato' Sri Nazir Razak Glenn Muhammad Surya Yusuf Zulkifli M. Ali Primoehadi Notowidigdo Armida Salsiah Alisjahbana Jeffrey Kairupan David Richard Thomas Ahmad Zulqarnain Onn 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 Directors i President Director : Tigor M. Siahaan i Director : Wan Razly Abdullah i Director : Rita Mas’Oen i Director : Megawati Sutanto  Khazanah Nasional Berhad, Malaysia 29.14% i Director : Vera Handajani  Employee Provident Fund, Malaysia 12.32% i Director : John Simon  Others and public 58.54% i Director : Lani Darmawan i Director : Pandji Pratama Djajanegara i Director : Hedy Maria Helena Lapian i Director : Fransiska Oei Shareholders CIMB Group Holdings Berhad, Malaysia: Notes: 1 2 3 4 5 6 The presentation of Published Financial Statements as at 30 June 2017 and for the six-month periods ended 30 June 2017 and 2016 (unaudited). The presentation of published financial statements as at 31 December 2016, have been prepared based on Consolidated Financial Statements of PT Bank CIMB Niaga Tbk and subsidiaries which were audited by Public Accountant, Tanudiredja, Wibisana, Rintis & Partners - a member firm of PwC Global Network with Drs. M. Jusuf Wibisana, M.Ec, CPA, as partner in charge, whose report dated 17 February 2017, expressed an unmodified opinion. The financial information above is intended to meet and in accordance with: a. Otoritas Jasa Keuangan (OJK)'s regulation No.6/POJK.03/2015 dated 31 March 2015 which has been amended with Otoritas Jasa Keuangan (OJK)'s regulation No.32/POJK.03/2016 dated 08 August 2016 concerning of "Transaparancy and Bank's Published Report" b. Otoritas Jasa Keuangan 's Circular Letter No. 43.SEOJK.03/2015 dated 28 September 2016 concerning of "Transparancy and Conventional Bank's Published Report" c. Financial Service Authority Regulation No.34/POJK.03/2015 dated 22 September 2016 regarding amendment of Financial Service Authority Regulation No.11/POJK.03/2016 concerning "Capital Adequacy Ratio ofCommercial Bank" d. Bapepam-LK's regulation (effective on 1 January 2014, Financial Service Authority (Otoritas Jasa Keuangan or OJK) took over the function of Bapepam-LK) No.X.K.2.Attachment the Decree of Bapepam-LK No. Kep346/BL/2011 dated on 5 July 2011 regarding for "Submission of Periodic Financial Statements for Issuers or Public Companies" e Regulation No. VIII.G.7, Bapepam-LK's regulation No. KEP-347/BL/2012 dated on 25 June 2012 regarding "Presentation and Disclosue Financial Statements of Public Company" As at 31 July 2003, PT Bank CIMB Niaga Tbk executed a quasi-reorganisation and eliminated the deficit of Rp. 8,731,614 million against its additional paid-in capital. The current year's basic earnings per share is calculated by dividing profit attributable to parent equity holders with weighted average number of issued ordinary share during the year. The consolidated financial statements included subsidiaries financial statements of PT CIMB Niaga Auto Finance and PT Kencana Internusa Artha Finance. As at 1 January 2016, both subsidiaries have effectively merged where PT CIMB Niaga Auto Finance is the surviving entity. The merger has received approval from Financial Services Authority (OJK) through its letter No. S-101/D.05/2015 dated 19 November 2015. Exchange rate as at 30 June 2017: 1 USD = Rp 13,328, (31 December 2016: 1 USD = Rp 13,473 and 30 June 2016: USD = Rp 13,213) Jakarta, 31 July 2017 Wan Razly Abdullah Director Tigor M. Siahaan President Director