OJK Circular Letter No. 25/SEOJK.03/2016 on the Business Plan of Conventional Commercial Banks

To:
The Board of Directors of Conventional Commercial Banks At your location.

COPY
CIRCULAR LETTER OF THE FINANCIAL SERVICES AUTHORITY NUMBER 25 /SEOJK.03/2016 ABOUT BUSINESS PLAN OF COMMERCIAL BANKS

In connection with Financial Services Authority Regulation Number 5/POJK.03/2016 concerning Bank Business Plans (State Gazette of the Republic of Indonesia Year 2016 Number 17, Additional State Gazette of the Republic of Indonesia Number 5841), it is necessary to regulate implementation provisions regarding the Business Plan of Commercial Banks in a Circular Letter of the Financial Services Authority as follows:

I. GENERAL PROVISIONS

In order to achieve business objectives guided by the established vision and mission, commercial banks conducting conventional activities, hereinafter referred to as Commercial Banks, need to compile a Business Plan taking into account external and internal factors, prudential principles, risk management application, and the principle of healthy banking. The Business Plan must be compiled thoroughly, realistically, and comprehensively so that it better reflects the complexity of the business and can serve as a policy direction and business development guide for Commercial Banks.
In order for the compilation of the Business Plan to be done comprehensively, the scope of the Business Plan of a Commercial Bank that has a Sharia Business Unit (UUS) must, on a consolidated basis, also cover the Business Plan for the UUS as a whole. The Business Plan for the UUS is compiled as a separate part of the Business Plan of the Commercial Bank.
In line with the comprehensive compilation of the Business Plan as stated in number 2, the Business Plan Realization Report and the Business Plan Supervision Report for Commercial Banks that have a UUS must also, on a consolidated basis, cover the report for the UUS as a single consolidated report.
The compilation of the Business Plan, the Business Plan Realization Report, and the Business Plan Supervision Report for the UUS refers to the Circular Letter regulating the business plan of Islamic commercial banks and Sharia business units.

II. SCOPE AND COMPIATION OF BUSINESS PLAN

In accordance with the Financial Services Authority Regulations concerning Bank Business Plans, the Business Plan of a Commercial Bank must at least include an executive summary, management policies and strategies, application of risk management and current performance of the Commercial Bank, projected financial statements along with the assumptions used, projected ratios and certain other items, funding plans, investment plans, capital participation plans, capital planning plans, organizational and human resource development plans, plans for issuing products and/or carrying out new activities, plans for developing and/or changing office networks, and other information. The scope of the Business Plan set by the Financial Services Authority is minimum, so Commercial Banks may expand this scope according to needs, while still paying attention to matters as stated in number I.

A. Executive Summary
This section contains general explanations, both quantitative and qualitative, regarding results achieved in the last year, including aspects of capital, profitability, risk assessment particularly credit risk, market risk, and liquidity risk, third-party funds, and financial ratios. In addition, the executive summary also contains the business targets of the Commercial Bank in the short term (1 year) up to the medium term (3 years).

The executive summary is compiled according to the format established and must at least include:

Vision and Mission of the Bank
This section elaborates on the vision and mission that are the goals of the Commercial Bank in the future.
Direction of Bank Policy
This section provides an explanation regarding the direction and policy of business development to be carried out by the Commercial Bank in both the short and medium term.
Strategic Steps to be Taken by the Bank
This section provides an elaboration regarding strategic steps to be taken by the Commercial Bank to achieve the vision and mission of the Commercial Bank in accordance with the direction of the Commercial Bank's policy ahead.
Key Financial Indicators
This section includes among others actual positions (as of the position at the end of September of the year of compiling the Business Plan) as well as projections. An example table of key financial indicators of the Business Plan for the year 2017 is as follows:

Indicator	Actual Sep 2016	Projection Dec 2016	Year 2017 Mar	Year 2017 Jun	Year 2017 Sep	Year 2017 Dec	Year 2018 Dec	Year 2019 Mar	Year 2019 Jun	Year 2019 Sep	Year 2019 Dec
Minimum Capital Provisioning Ratio (KPMM)
Core Capital Ratio against Risk-Weighted Assets (ATMR)
Common Equity Tier 1 Capital Ratio against ATMR
Core Capital Ratio against Total Assets
Return on Asset (ROA)
Net Interest Margin (NIM)
Operating Expenses against Operating Income (BOPO)
Productive Asset NPL Ratio against Total Productive Assets
Reserve for Losses on Financial Assets (CKPN) Ratio against Productive Assets
Gross Non-Performing Loan (NPL) Ratio
Net NPL Ratio
Credit Ratio against Total Productive Assets
Credit to Micro, Small, and Medium Enterprises (UMKM) Ratio against Total Credit
Trading Assets, Spot Receivables and Derivatives, and Fair Value Option Assets Ratio against Total Assets
Total Liquid Assets Ratio against Short-Term Funding
Loan to Deposit Ratio (LDR)

Short-Term and Medium-Term Targets
This section elaborates on targets or focus areas of business activities of the Commercial Bank in both the short and medium term, both quantitatively and qualitatively, in accordance with the vision and mission of the Commercial Bank accompanied by reasons for target selection, assumptions used, and strategies to achieve targets.

Short-term targets, for example, include targets for reducing the NPL rate, increasing intermediary functions, and increasing efficiency. Meanwhile, medium-term targets, for example, include targets for the development of Islamic banking and targets for the application of governance.

B. Management Policies and Strategies
This section contains explanations regarding management policies and strategies for the next 1 (one) year, which must at least include:

Analysis of the Commercial Bank's position in facing business competition, including information regarding the position of the Commercial Bank both within the same business group and industry-wide, including information regarding problems and obstacles experienced by the Commercial Bank. In performing position analysis, the Bank uses a specific approach, at least consisting of strengths, weaknesses, opportunities, and threats (SWOT) analysis;
Management policies (policy statements), including general information on the Commercial Bank's policies established by management in the development of the Commercial Bank's business in the future;
Risk management and compliance policies, including information regarding steps in applying risk management compiled based on evaluation of the Commercial Bank's risk profile and improvement efforts to be undertaken, as well as explanations regarding policies in carrying out the compliance function;
Business development strategies, among others containing information on strategic steps to achieve the business objectives established by the Commercial Bank, including explanations regarding organizational development strategies and information system technology strategies, and strategies to anticipate changes in external conditions;

and

Human Resources (HR) development strategies and remuneration policies, at least including information regarding general policies governing the provision of salaries, bonuses, and other financial facilities to the Board of Directors and Board of Commissioners of the Commercial Bank, including to employees.

C. Application of Risk Management and Current Performance of Commercial Bank
This section contains explanations, both quantitative and qualitative, regarding the condition of the Commercial Bank at the time of compiling the Business Plan and highlights main matters that need attention or problems faced as well as results achieved by the Commercial Bank.

This section must at least contain elaborations regarding:

Application of Risk Management, including risk profiles for all risks
Elaborations regarding the application of risk management include evaluations and results of risk management application for the period from the beginning of the year to the position at the end of September of the year of compiling the Business Plan.

Elaborations regarding risk profile assessments include information on the Commercial Bank's assessment of levels and trends for all risks.

The method of compiling risk profiles and evaluating the application of risk management refers to Financial Services Authority regulations governing the application of risk management for Banks and Financial Services Authority regulations governing bank health levels.

In this elaboration, there is also an evaluation regarding the effectiveness and results of the application of laws and regulations governing Anti-Money Laundering and Prevention of Terrorist Financing (APU and PPT), and those governing the Bank's compliance function.

In the explanation regarding the Compliance Function of the Commercial Bank, a compliance work plan for the next 1 (one) year is included referring to regulations governing the Bank's compliance function.

Application of Governance
Elaborations regarding the assessment of governance application refer to regulations governing the application of governance for Banks.
Financial Performance, specifically Capital and Earnings
Elaborations regarding the financial performance of the Commercial Bank include the results of implementing action plans to improve the Commercial Bank's performance (if any) as regulated in Financial Services Authority regulations concerning bank health level assessments.

Elaborations regarding capital performance cover adequacy and composition, as well as the Commercial Bank's ability to cover risks against problematic assets, the Commercial Bank's ability to increase capital from operational profits, the Commercial Bank's capital ability to support business growth, access to capital sources, and shareholders' ability to increase the Commercial Bank's capital.

Elaborations regarding the earnings performance of the Commercial Bank cover the achievement of Return on Asset (ROA), Return on Equity (ROE), Net Interest Margin (NIM), developments and prospects of operational profit, Operating Expenses against Operating Income ratio (BOPO), and non-interest operating expense ratios against main activity income.

Realization of Credit Provision to Micro, Small, and Medium Enterprises (UMKM)
Elaborations regarding the realization of credit provision reflect the role of the Commercial Bank in supporting the development of UMKM. The grouping of UMKM refers to business criteria based on Laws regulating micro, small, and medium businesses.
Application of Compliance with Sharia Principles
Elaborations regarding compliance with Sharia principles are only applicable to Commercial Banks that have a UUS.

D. Projected Financial Statements
This section contains information regarding the financial condition of the Commercial Bank's actual position (position at the end of September of the year of compiling the Bank Plan) and projections for the next 3 (three) years.

Projections for the first year are compiled quarterly, while projections for the second and third years are compiled annually (year-end position).

In this section, macro and micro assumptions used in compiling the aforementioned financial projections are also elaborated. Macro assumptions include economic growth rates and inflation rates, while micro assumptions include inter-bank competition levels, industrial banking credit growth, and interest rates for credits and deposits used in compiling the Business Plan.

Projected financial statements are compiled referring to:

Appendix I: Projected Financial Position (Balance Sheet)
Appendix II: Projected Profit and Loss
Appendix III: Projected Commitments and Contingencies
Appendix IV: Macro and Micro Assumptions Used

E. Projections of Ratios and Certain Other Items This section contains financial ratios and certain other ratios actual positions (position at the end of September of the year of compiling the Business Plan) and projections for the next 3 (three) years, as follows:

Basic Financial Ratios
Projections of basic financial ratios include ratios that provide at least the most information for assessing capital conditions, profitability, credit risk, market risk, and liquidity risk. Projections of these ratios include among others the Minimum Capital Provisioning Ratio, ROA ratio, NIM ratio, Non-Performing Loan (NPL) ratio, liquid assets to total assets ratio, Loan to Deposit Ratio (LDR), and trading assets, spot receivables and derivatives, and fair value option assets to total assets ratio.
Certain Other Items
Projections of certain other items include projections of several ratios related to credit to UMKM, education fund ratios, and fixed asset ratios not used in Commercial Bank operations against capital.

In addition, certain items providing information regarding fund mobilization and fund disbursement are also listed.

These projections are compiled referring to Appendix V.

F. Funding Plan
This section reflects the actual position of fund mobilization (position at the end of September of the year of compiling the Business Plan) and the plan for fund mobilization for the next 1 (one) year quarterly. In this section, explanations are also provided regarding assumptions used in compiling the plan as well as the Commercial Bank's strategies to realize the funding plan.

The funding plan is compiled referring to:

Appendix VI: Third-Party Fund Mobilization Plan
Appendix VII: Securities Issuance Plan
Appendix VIII: Other Funding Plans

G. Investment Plan
This section reflects the actual position of fund investment (position at the end of September of the year of compiling the Business Plan) and the plan for fund disbursement for the next 1 (one) year quarterly, which among others provides information on plans to provide funds to related parties, and details of credit provision plans, including plans for credit provision to certain business activities. Types of specific business activities listed in the credit provision details reflect the focus of credit provision by the Commercial Bank based on prioritized business activity types, and/or significance of credit share or number of debtors.

In this section, explanations are also provided regarding assumptions used in compiling the aforementioned plan as well as the Commercial Bank's strategies to realize the investment plan.

This investment plan is presented referring to:

Appendix IX: Plan for Providing Funds to Related Parties
Appendix X.A.: Plan for Credit Provision to Core Debtors
Appendix X.B.: Plan for Credit Provision based on Specific Business Activities
Appendix X.C.1: Plan for Credit Provision based on Economic Sector
Appendix X.C.2: Plan for Credit Provision based on Type of Use
Appendix X.C.3: Plan for Credit Provision based on Province
Appendix X.D.1: Plan for Credit Provision to UMKM based on Economic Sector
Appendix X.D.2: Plan for Credit Provision to UMKM based on Type of Use
Appendix X.D.3: Plan for Credit Provision to UMKM based on Province
Appendix XI: Plan for Investment in the Form of Securities
Appendix XII: Other Investment Plans

H. Capital Participation Plan
This section reflects the actual position of capital participation (position at the end of September of the year of compiling the Business Plan) and the plan for capital participation for the next 1 (one) year quarterly, which must at least include business fields, estimated amount of funds to be invested, and ownership percentage including control aspects, as regulated in provisions concerning prudential principles in capital participation activities.

The capital participation plan is compiled referring to Appendix XIII.

I. Capital Planning Plan
This section must at least include:

Projection of Minimum Capital Provisioning Obligation (KPMM) Fulfillment
KPMM projections must at least include projections of capital, projections of Risk-Weighted Assets (ATMR), and projections of the KPMM ratio for the next 3 (three) years.

This KPMM fulfillment projection is compiled referring to Appendix XIV.A. for Banks other than branches of banks domiciled outside the country, or Appendix XIV.B. for branches of banks domiciled outside the country.

Capital Change Plan
The capital change plan is a projection of capital changes over the next 3 (three) years, both regarding capital structure and capital amount.

Included in the capital change plan are plans for capital additions from existing shareholders, Initial Public Offering (IPO) plans, right issues, issuance of equity-like debt securities, and other capital addition plans, as well as elaborations regarding plans for changes or replacement of ownership (if any).

The capital change plan is compiled referring to Appendix XV.

J. Organizational and Human Resources (HR) Development Plan This section elaborates on information regarding organizational structure and current HR conditions, ongoing organizational and HR development plans, as well as other HR-related development plans for at least the next 1 (one) year, which among others include:

Organizational Development Plan
Organizational development plans among others include plans for forming or changing work units and/or committees, adjusted to the capabilities, size, and complexity of the Commercial Bank's business.
Management Information System Development Plan
Management information system development plans among others include the development of information technology supporting management information systems and plans for accounting system development, including budgets allocated for such development plans.
Human Resources Development Plan
Human resources development plans among others include plans for HR education and training needs, including plans for education and training costs or budgets for employees, the Board of Directors, and Commissioners of the Commercial Bank, as well as plans for implementing risk management certification for managers and certain officials.
Foreign Workforce Utilization Plan and Outsourcing Usage Plan
Plans for foreign workforce utilization among others include plans for utilizing foreign workers as regulated in laws and regulations.

Plans for using outsourcing labor referring to laws and regulations, among others include plans for the number to be used and plans for the placement of outsourcing labor.

The Foreign Workforce Utilization Plan is compiled referring to Appendix XVI.

K. Plan for Issuing Products and/or Carrying Out New Activities The plan for issuing products and/or carrying out new activities listed in the Business Plan refers to products and/or new activities that have never been issued or carried out previously by the Commercial Bank as regulated in Financial Services Authority regulations governing the application of risk management for Banks and business activities based on core capital. This section elaborates on plans for issuing products or carrying out new activities for at least the next 1 (one) year.

The Plan for Issuing Products and/or Carrying Out New Activities is compiled referring to Appendix XVII.

L. Plan for Developing and/or Changing Office Networks
Plans for developing and/or changing office networks include plans for opening, changing status, relocating addresses, and/or closing regional offices, branch offices, sub-branch offices, functional offices, cash offices, cash service activities, and/or offices abroad for the next 1 (one) year.

Information contained in plans for developing and/or changing office networks among others includes information regarding headquarters, planned implementation time, estimated investment, location, and other descriptions.

Location information for each type of office must at least clearly state the district or city location, and for office locations in the Special Capital Region of Jakarta province, must at least state the administrative city or administrative district name. Specifically for offices located abroad, the city and country names must be stated.

Plans for developing and/or changing office networks are compiled referring to Appendix XVIII.

M. Other Information
Other information contains other plans that need to be elaborated (if any) but are not included in the scope of the Business Plan established in letters A through L, among others steps for resolving problematic credits including repossessed collateral (AYDA), fixed assets not used in Bank operations, linkage programs, and/or development of Commercial Bank services.

Service development includes among others information on plans for developing facilities or information media for customers, plans for developing electronic facilities for customer needs, plans for customer protection efforts, and plans for organizing branchless financial services in the context of inclusive finance.

The scope of information contained in plans for customer protection efforts includes among others education activity plans and plans for improving customer complaint service systems.

The definition of AYDA refers to regulations governing the assessment of quality of commercial bank assets.

III. BUSINESS PLAN REALIZATION REPORT AND BUSINESS PLAN SUPERVISION REPORT

In accordance with Financial Services Authority Regulations concerning Bank Business Plans, the Business Plan Realization Report is submitted by Commercial Banks quarterly, namely for the positions of March, June, September, and December months. The Business Plan Realization Report must at least include:

a. Explanations ...

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a. explanation of Business Plan achievement covering focus and priority of achievement, and comparison between plan and realization; b. explanation of deviation from Business Plan realization, such as causes and obstacles faced;
c. follow-up or efforts to be made to improve Business Plan realization achievement;
d. financial ratios and specific items; and e. other information, containing explanation of realization of matters other than those explained in letters a through d, including reports on the realization of branch network changes and reports on the realization of foreign workforce.

The Business Plan Realization Report is generally prepared with reference to:
a. Appendix XIX.A: Business Plan Realization Report b. Appendix XIX.B: Financial Ratio and Specific Items Realization Report
c. Appendix XIX.C: Branch Network Development and/or Change Realization Report
d. Appendix XIX.D: Foreign Workforce Utilization and Knowledge Transfer to Companion Workforce Realization Report

In accordance with the Financial Services Authority Regulation regarding Business Plans of Banks, the Board of Commissioners supervises the implementation of the Business Plan. The results of this supervision are subsequently formulated in the Business Plan Supervision Report. The scope of the Business Plan Supervision Report prepared by the Board of Commissioners must at least include an assessment regarding:
a. implementation of the Business Plan as an assessment of quantitative and qualitative aspects of Business Plan realization; b. factors affecting the performance of the Commercial Bank in general, particularly regarding capital factors, earnings, and the risk profile of the Commercial Bank, especially credit risk, market risk, and liquidity risk;
c. efforts to improve the performance of the Commercial Bank, in the event that performance declines based on the assessment results as in letter b.

Assessment by the Board of Commissioners in letters a through c may also be supplemented with an assessment of external factors affecting the operations of the Commercial Bank.

In connection with the duties of the Board of Commissioners, the Commercial Bank must have an internal mechanism for the preparation of the Business Plan Supervision Report.

The Business Plan Supervision Report is prepared with reference to Appendix XX.

IV. REPORT SUBMISSION TIMELINE

With reference to the Financial Services Authority Regulation regarding Business Plans of Banks, a Commercial Bank is declared late in submitting the Business Plan, Business Plan Adjustment, Business Plan Realization Report, and/or Business Plan Supervision Report, in the event that:

The Bank submits the Business Plan, Business Plan Realization Report, and/or Business Plan Supervision Report after the final submission deadline up to a maximum of 30 (thirty) working days; and/or
The Commercial Bank submits the Business Plan Adjustment after the final submission deadline up to a maximum of 15 (fifteen) working days.

A Commercial Bank is declared not to have submitted the Business Plan, Business Plan Adjustment, Business Plan Realization Report, and/or Business Plan Supervision Report if, by the end of the late submission period, the Commercial Bank has not yet submitted the said report.

V. OTHER PROVISIONS

The Appendices in this Financial Services Authority Circular Letter are examples for preparing the 2017 Annual Business Plan. For the preparation of Business Plans for subsequent periods, the year should be adjusted accordingly.

Appendices I through XX are an integral part of this Financial Services Authority Circular Letter.

VI. CLOSING PROVISIONS

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VI. CLOSING PROVISIONS

With the implementation of this Financial Services Authority Circular Letter, Bank Indonesia Circular Letter No. 12/27/DPNP dated October 25, 2010 regarding the Business Plan of Commercial Banks is revoked and declared invalid.

The provisions in this Financial Services Authority Circular Letter shall take effect on the date of determination.

Determined in Jakarta on July 14, 2016
EXECUTIVE HEAD OF BANKING SUPERVISOR
FINANCIAL SERVICES AUTHORITY, signed
NELSON TAMPUBOLON

Copy in accordance with the original
Legal Director 1
Legal Department signed
Yuliana

APPENDIX LIST
Appendix I: Financial Position Projection (Balance Sheet)
Appendix II: Profit and Loss Projection
Appendix III: Commitment and Contingency Projection
Appendix IV: Macro and Micro Assumptions Used
Appendix V: Projection of Ratios and Other Specific Items
Appendix VI: Third-Party Fund Raising Plan
Appendix VII: Securities Issuance Plan
Appendix VIII: Other Funding Plan
Appendix IX: Fund Provision to Related Parties Plan
Appendix X: A. Credit Provision Plan to Core Debtors
: B. Credit Provision Plan based on Specific Business Activities : C. 1. Credit Provision Plan based on Economic Sector
2. Credit Provision Plan based on Type of Use
3. Credit Provision Plan based on Province
D. 1. Credit Provision Plan to MSMEs based on Economic Sector
2. Credit Provision Plan to MSMEs based on Type of Use
3. Credit Provision Plan to MSMEs based on Province
Appendix XI: Securities Investment Plan
Appendix XII: Other Investment Plan
Appendix XIII: Equity Participation Plan
Appendix XIV: A. Minimum Capital Requirement (KPMM) Fulfillment Projection
for Banks other than branches of banks located outside the country B. Minimum Capital Requirement (KPMM) Fulfillment Projection for branches of banks located outside the country
Appendix XV: Capital Change Plan
Appendix XVI: Foreign Workforce Utilization Plan
Appendix XVII: New Product Issuance and/or New Activity Implementation Plan
Appendix XVIII: Branch Network Development and/or Change Plan
Appendix XIX: A. Business Plan Realization Report
B. Financial Ratio and Specific Items Realization Report
C. Branch Network Development and/or Change Realization Report
D. Foreign Workforce Utilization and Knowledge Transfer to Companion Workforce Realization Report
Appendix XX: Business Plan Supervision Report

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No.
March
2017
June
2017
Sept
2017
Dec
2017
ASSETS

Cash
Deposits at Bank Indonesia
Deposits at other banks
Spot and derivative receivables
Securities
a. Measured at fair value through profit/loss b. Available for sale
c. Held to maturity
d. Loans and receivables
Acceptance receivables
Loans granted
a. Measured at fair value through profit/loss b. Available for sale
c. Held to maturity
d. Loans and receivables
Sharia financing 1)
Investments
Provision for financial asset impairment losses
a. Securities b. Loans
c. Others
Intangible assets
Accumulated amortization of intangible assets -/-
Fixed assets and inventories
Accumulated depreciation of fixed assets and inventories -/-
Vacant property
Acquired assets
Suspense accounts
Inter-office assets
a. Conducting operational activities in Indonesia b. Conducting operational activities outside Indonesia
Provision for impairment losses on other assets
Finance lease 2)
Deferred tax assets
Miscellaneous assets
TOTAL ASSETS
Securities sold with agreement to repurchase (repo) Receivables on securities purchased with agreement to resell (reverse repo) Dec 2018 Dec 2019 Format of Financial Position Projection (Balance Sheet) FINANCIAL POSITION PROJECTION (BALANCE SHEET) ITEMS Year 1 Projection Bank : __________________ (in millions of rupiah) Actual Sept 2016 Dec 2016

2 -
No.
March
2017
June
2017
Sept
2017
Dec
2017
Format of Financial Position Projection (Balance Sheet) FINANCIAL POSITION PROJECTION (BALANCE SHEET) ITEMS Actual Sept 2016 Dec 2016 Dec 2018 Dec 2019 Projection Year 1

Demand deposits
Savings
Time deposits
Revenue sharing investment funds 3)
Obligations to Bank Indonesia
Obligations to other banks
Spot and derivative obligations
Acceptance obligations
Issued securities
Borrowed loans
Security deposits
Inter-office obligations
a. Conducting operational activities in Indonesia b. Conducting operational activities outside Indonesia
Deferred tax liabilities
Miscellaneous liabilities
Profit sharing investment funds 3)
Borrowed capital
Paid-up capital
Additional paid-up capital
a. Share premium b. Discount -/-
c. Donated capital
d. Adjustment due to financial statement translation e. Other comprehensive income (loss) f. Others g. Capital contribution funds
Revaluation surplus of fixed assets
Restructuring difference of entities under common control
Reserves
a. General reserves b. Specific reserves
Profit/loss
a. Prior years b. Current year
TOTAL LIABILITIES AND EQUITY
Notes:

Filled by Banks having a Sharia Business Unit (UUS)
Sharia financing includes, among others, Murabahah - net, Salam, Istishna - net, Qardh, Financing, Ijarah - net, Multiservice transactions - net.
Filled by Banks having a UUS, (if any).
Filled by Banks having a UUS, (if any).
Determined in Jakarta on July 14, 2016
EXECUTIVE HEAD OF BANKING SUPERVISOR
FINANCIAL SERVICES AUTHORITY, signed
NELSON TAMPUBOLON
LIABILITIES AND EQUITY
Obligations on securities sold with agreement to repurchase (repo) Copy in accordance with the original Legal Director 1 Legal Department signed Yuliana

1 -
Bank :
(in millions of rupiah)
No.
March
2017
June
2017
Sept
2017
Dec
2017
INCOME AND OPERATING EXPENSES
A. Interest Income and Expense

Interest Income
a. Rupiah b. Foreign currency
Interest Expense
a. Rupiah b. Foreign currency
Net Interest Income
a. Increase in fair value of financial assets (mark to market)
i. Securities
ii. Loans
iii. Spot and derivatives
iv. Other financial assets
b. Decrease in fair value of financial liabilities (mark to market)
c. Gain on sale of financial assets
i. Securities
ii. Loans
iii. Other financial assets
d. Gain on spot and derivative transactions (realised) e. f. g. Other income Format of Profit and Loss Projection B. Non-Interest Operating Income and Expense Non-Interest Operating Income Dividends, gains from equity method investments, commissions/provisions/fees and administration Correction for provision for impairment losses, provision for write-off of non-performing assets, and provision for write-off of administrative account transactions PROFIT AND LOSS PROJECTION ITEMS Actual Sept 2016 Dec 2016 Dec 2018 Dec 2019 Projection Year 1

2 -
Bank :
(in millions of rupiah)
No.
March
2017
June
2017
Sept
2017
Dec
2017
Format of Profit and Loss Projection
PROFIT AND LOSS PROJECTION
ITEMS Actual
Sept
2016
Dec
2016
Dec
2018
Dec
2019
Projection
Year 1

a. Decrease in fair value of financial assets (mark to market)
i. Securities
ii. Loans
iii. Spot and derivatives
iv. Other financial assets
b. Increase in fair value of financial liabilities (mark to market)
c. Loss on sale of financial assets
i. Securities
ii. Loans
iii. Other financial assets
d. Loss on spot and derivative transactions (realised) e. Impairment loss on financial assets
i. Securities
ii. Loans
iii. Sharia financing
iv. Other financial assets
f. Provision for write-off of administrative account transactions g. Provision for operational risk losses h. Losses related to operational risk i. j. Impairment loss on other assets (non-financial) k. Provision for write-off of non-performing assets
l. Labor costs
m. Promotion expenses n. Other expenses
Net Non-Interest Operating Income
OPERATING PROFIT (LOSS)
Gain (loss) on sale of fixed assets and inventories
Gain (loss) on translation of foreign currency transactions
Other non-operating income (expense)
NON-OPERATING PROFIT (LOSS)
PROFIT (LOSS) FOR THE YEAR BEFORE TAX
Transfer of profit (loss) to head office
Income tax
a. Current year tax estimate b. Deferred tax income (expense) PROFIT (LOSS) FOR THE YEAR AFTER TAX NET DIVIDENDS EARNINGS PER SHARE 1) Notes:

Specifically for banks in the form of Public Companies (Tbk).
Determined in Jakarta on
EXECUTIVE HEAD OF BANKING SUPERVISOR
FINANCIAL SERVICES AUTHORITY, signed
NELSON TAMPUBOLON
NON-OPERATING INCOME AND EXPENSE
Non-Interest Operating Expenses
Losses from equity method investments, commissions/provisions/fees and administration Copy in accordance with the original Legal Director 1 Legal Department signed Yuliana

1 -
Bank :
(in millions of rupiah)
No.
March
2017
June
2017
Sept
2017
Dec
2017
I

Undrawn loan facilities
a. Rupiah b. Foreign currency
Outstanding spot and derivative purchase positions
Others
II COMMITMENT LIABILITIES
Undrawn credit facilities to customers
a. State-Owned Enterprises (BUMN)
i. Committed

Rupiah
Foreign currency
ii. Uncommitted
Rupiah
Foreign currency
b. Others
i. Committed
ii. Uncommitted

Undrawn credit facilities to other banks
a. Committed
i. Rupiah
ii. Foreign currency
b. Uncommitted
i. Rupiah
ii. Foreign currency
Outstanding Irrevocable L/C
a. Foreign L/C b. Domestic L/C
Outstanding spot and derivative sale positions
Others
III. CONTINGENT RECEIVABLES
Guarantees received
a. Rupiah b. Foreign currency
Interest income in process
a. Interest on loans granted b. Other interest
Others
IV. CONTINGENT LIABILITIES
Guarantees issued
a. Rupiah b. Foreign currency
Others
V. OTHERS
Loan Pass-Through
Written-off Productive Assets
a Productive assets
i. Loans granted
ii. Others
b Recovered or Successfully Collected Written-off Productive Assets
i. Loans granted
ii. Others
Written-off Receivables on Productive Assets
i. Loans granted
i.1 Transferred to Special Purpose Entity i.2 Others
ii. Others
Determined in Jakarta on July 14, 2016
EXECUTIVE HEAD OF BANKING SUPERVISOR
FINANCIAL SERVICES AUTHORITY, signed
NELSON TAMPUBOLON
Format of Commitment and Contingency Projection COMMITMENT AND CONTINGENCY PROJECTION ITEMS Year 1 Projection Actual Sept 2016 Dec 2016 Dec 2018 Dec 2019 COMMITMENT RECEIVABLES Copy in accordance with the original Legal Director 1 Legal Department signed Yuliana

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Format of Macro and Micro Assumptions Used No. Assumption March 2017 June 2017 Sept 2017 Dec 2017 MACRO ASSUMPTIONS

GDP Growth (%)
Inflation (%)
Others, detailed by type of assumption 2)
MICRO ASSUMPTIONS
Credit Growth (%)
Third-Party Fund Growth (%)
Deposit Interest Rate (%)
Loan Interest Rate (%)
Others, detailed by type of assumption 3)
Notes:

In the event that quarterly assumptions are not available, annual assumptions may be used.
Other macro assumptions, such as exchange rate, export growth, and import growth.
Other micro assumptions, such as Bank's share of the industry.
Determined in Jakarta on July 14, 2016
EXECUTIVE HEAD OF BANKING SUPERVISOR
FINANCIAL SERVICES AUTHORITY, signed
NELSON TAMPUBOLON
MACRO AND MICRO ASSUMPTIONS USED
PT Bank _____________________
Projection
Year 1 1)
Dec
2018
Dec
2019
Copy in accordance with the original
Legal Director 1
Legal Department signed
Yuliana

1 -
Format of Projection of Ratios and Other Specific Items PROJECTION OF RATIOS AND OTHER SPECIFIC ITEMS PT BANK ……………. No. March 2017 June 2017 Sept 2017 Dec 2017 A. FINANCIAL RATIOS 1 Minimum Capital Requirement (KPMM) Ratio 1) 2 Core Capital to Risk-Weighted Assets (RWA) Ratio 2) 3 Core Tier 1 Capital to RWA Ratio 4 Core Capital to Supplementary Capital Ratio 5 Core Capital to Total Assets Ratio 2) 6 ROE 1) 7 ROA 1) 8 NIM 1) 9 Overhead expense ratio to net income from main activities 2) 10 BOPO 1) 11 Fee Based Income ratio to Total Operating Income 2) 12 Operating Profit (Loss) 13 Current Year Profit (Loss) 14 Ratio of non-performing productive assets and non-performing non-productive assets to total productive assets and non-productive assets 1) 15 Ratio of non-performing productive assets to total productive assets 1) 16 Ratio of provision for financial asset impairment losses (CKPN) to productive assets 1) 17 Ratio of CKPN and provision for write-off of assets (PPA) on TRA productive assets that have been formed to PPA that must be formed on productive assets 2) 18 NPL Ratio
Gross 1)
Net 1)
19 Loan to Total Productive Assets Ratio 2) 20 Core Debtor to Total Loan Ratio 2) 21 Acquired Collateral to Total Loan Ratio 22 Loans granted
Rupiah
Foreign currency
23 Undrawn credit facilities to customers committed
Rupiah
Foreign currency
uncommitted
Rupiah
Foreign currency
RATIO
Projection
Year 1 Actual
Sept
2016
Dec
2016
Dec
2018
Dec
2019
2 -
Format of Projection of Ratios and Other Specific Items PROJECTION OF RATIOS AND OTHER SPECIFIC ITEMS PT BANK ……………. No. March 2017 June 2017 Sept 2017 Dec 2017 RATIO Projection Year 1 Actual Sept 2016 Dec 2016 Dec 2018 Dec 2019 24 Ratio of trading assets, spot and derivative receivables, and Fair Value Option assets to total assets 2) 25 Ratio of spot and derivatives to total assets 2) 26 Ratio of liquid assets to total assets 2) 27 Ratio of liquid assets to short-term funding 2) 28 Ratio of core depositors to Total Third-Party Funds 2) 29 Loan to Deposit Ratio (LDR) 1) 30 Third-Party Funds
Rupiah
Foreign currency
B. OTHER SPECIFIC RATIOS
1 Ratio of Total Loans to Micro Businesses to Total Loans to MSMEs 2 Ratio of Total Loans to Small Businesses to Total Loans to MSMEs 3 Ratio of Total Loans to Medium Businesses to Total Loans to MSMEs 4 Ratio of Total Loans to MSMEs to Total Loans 5 a. Ratio of Education and Training Funds to Realization/Budget Expenditure of HRD 3) b. Ratio of Remaining Budget of This Year Used for the Following Year 4) 6 Ratio of Unused Fixed Assets in Bank Operations to Equity Notes:

Formula and calculation of financial ratios refer to regulations governing transparency and publication of bank reports.
Formula and calculation of financial ratios refer to the explanation of core financial ratios in Appendix V.
Scope of education and training funds refers to applicable Financial Services Authority regulations.
The term "remaining budget" refers to the difference between the 5% obligation and its realization.

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No. RATIO CALCULATION FORMULA
1 Core Capital to RWA Ratio * Core Capital calculation refers to Financial Services Authority Regulation Core Capital on Minimum Capital Requirement. Total RWA * Total RWA includes RWA for Credit Risk, RWA for Operational Risk and RWA for Market Risk. 2 Core Capital to Total Assets Ratio * Core Capital calculation refers to Financial Services Authority Regulation Core Capital on Minimum Capital Requirement. Total Assets * Total assets include total assets recorded in the Financial Position Statement (balance sheet). 3 Overhead expense ratio to * Overhead Expenses include:
net income from main activities Overhead Expenses Depreciation/amortization of fixed assets (Code 3340 + 3350 + 3360 + 3400) Net Income from Main Activities Labor Costs (Code 3640 + 3650 + 3690) Education & Training (Code 3700) Insurance Premiums (Code 3110+3120+3130+3160) Losses from operational risk (Code 3560+3561+3562+3563+3564+ 3565+3570) Research and Development (Code 3750) Rent (Code 3800) Promotion (Code 3850) Taxes, excluding income tax (Code 3900) Maintenance and repairs (Code 3950) Goods and Services (Code 4000+4010) Others (Code 4050)

Net income from main activities includes net interest income plus
net fee income.
Net interest income is all interest income minus all interest expenses (difference between codes 1750-1760).
Net fee income is all commission/provision/fee income minus all commission/provision/fee expenses originating from credit activities, derivative transactions, managed credits, and others
{ code (2190-3020) + code (2200-3030) + code (2210-3040) + code (2260-3100)}. 4 Fee Based Income to * Fee based income includes commission/provision/fee income originating from credit activities, Total Operating Income Fee Based Income derivative transactions, managed credits, and others (code 2190 + code 2200 + code 2210 + code 2260). Total Operating Income * Total operating income includes interest income and non-interest operating income (Code 1000 + Code 1800). 5 Ratio of CKPN and provision for write-off of * CKPN is the provision that the Bank must form in accordance with regulations assets (PPA) on TRA productive assets that CKPN Productive Assets + PPA TRA in the Statement of Financial Accounting Standards (PSAK) regarding have been formed to PPA that must be PPA that must be formed Financial Instruments and Indonesian Banking Accounting Guidelines (PAPI), formed on productive assets including CKPN Individual and CKPN Collective. FINANCIAL RATIOS EXPLANATION OF CORE FINANCIAL RATIOS AND SPECIFIC ITEMS PT BANK ……………. NOTES

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No. RATIO FORMULA CALCULATION
EXPLANATION OF CORE FINANCIAL RATIOS AND SPECIFIC POSITIONS PT BANK ……………. EXPLANATION 6 Credit to Productive Assets Ratio * Total credit is credit to third parties other than Banks. Total Productive Assets Total Credit * Total productive assets are credit, securities, participations, and other receivables listed Total Productive Assets in the balance sheet, both to third parties other than Banks and to Banks, including to Bank Indonesia. 7 Core Debtor to Total Credit Ratio * Credit to Core Debtors includes credit to debtors or groups outside related parties with the following criteria:
Credit to Core Debtors a. for Banks with total assets less than or equal to Rp1 trillion, includes credit to Total Credit 10 large debtors or groups; b. for Banks with total assets greater than Rp1 trillion but less than or equal to Rp10 trillion, includes credit to 15 large debtors or groups;
c. for Banks with total assets greater than Rp10 trillion, includes credit to 25 large debtors
or groups.

Total credit is credit to third parties other than Banks.
8 Trading assets, spot receivables and * Trading assets include credit, placements in other Banks, acceptance receivables, securities, derivatives, and Fair Value Assets Trading + Spot Receivables and Derivatives + FVO securities repo, securities reverse repo, and other assets classified in the derivatives Option (FVO) to Total Assets Total Assets trading group.
Spot receivables and derivatives include all spot receivables and derivatives classified as
trading book positions for both trading and hedging purposes.
FVO assets include credit, placements in other Banks, acceptance receivables, securities, securities
repo, securities reverse repo, and other assets classified in the Fair Value Option group.
Total assets include total assets recorded in the Statement of Financial Position (balance sheet).
9 Spot and Derivatives to Total Assets * Spot receivables and derivatives include all spot receivables and derivatives classified as Ratio Spot and Derivatives trading book positions for both trading and hedging purposes. Total Assets * Total assets include total assets recorded in the Statement of Financial Position (balance sheet). 10 Liquid Assets to Total Assets Ratio * Primary liquid assets include cash, placements in Bank Indonesia (FTO, FASBI), SBI trading category, Primary Liquid Assets + Secondary Liquid Assets AFS and hold to maturity, and all government securities trading and AFS categories Total Assets with remaining maturity of 1 year or less.
Secondary liquid assets include:
a. government securities trading and AFS categories with remaining maturity between > 1 year to 5 years; b. government securities hold to maturity category with remaining maturity ≤ 1 year;
c. government securities trading and AFS categories with remaining maturity > 5 years,
with a 25% haircut from market value.
Total assets include total assets recorded in the Statement of Financial Position (balance sheet).

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No. RATIO FORMULA CALCULATION
EXPLANATION OF CORE FINANCIAL RATIOS AND SPECIFIC POSITIONS PT BANK ……………. EXPLANATION 11 Liquid Assets to Short-Term * Primary liquid assets include cash, placements in Bank Indonesia (FTO, FASBI), SBI trading category, Funding Ratio Aset Likuid Primer + Secondary Liquid Assets AFS and hold to maturity, and all government securities trading and AFS Short-Term Funding (Short Term Funding) and having remaining maturity ≤ 1 year.

Secondary liquid assets include:
a. government securities trading and AFS categories with remaining maturity between > 1 year to 5 years; b. government securities hold to maturity category with remaining maturity ≤ 1 year;
c. government securities trading and AFS categories with remaining maturity > 5 years
with a 25% haircut from market value.
Short-term funding includes current accounts, savings, and deposits with remaining maturity ≤ 1 year.
12 Core Depositors to Total DPK Ratio * Core Depositors include the 10, 25, or 50 largest depositors from total savings, Core Depositors Current accounts, savings, and deposits, with the following criteria:
DPK a. for Banks with total assets less than or equal to Rp 1 trillion, includes 10 depositors; b. for Banks with total assets greater than Rp 1 trillion but less than or equal to Rp 10 trillion, includes 25 depositors;
c. for Banks with total assets greater than Rp 10 trillion, includes 50 depositors.
Third-Party Funds (DPK) include current accounts, savings, and deposits.
Established in Jakarta on 14 July 2016
EXECUTIVE HEAD OF BANKING SUPERVISOR
FINANCIAL SERVICES AUTHORITY, ttd
NELSON TAMPUBOLON
Copy matches the original
Legal Director 1
Legal Department ttd

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THIRD-PARTY FUND COLLECTION PLAN
PT BANK _________________
Million Rp
March 2017 June 2017 Sept 2017 Dec 2017
CURRENT ACCOUNTS
A. Related Parties

Rupiah
Foreign Currency
B. Unrelated Parties
Rupiah
Foreign Currency
TOTAL CURRENT ACCOUNTS 1)
SAVINGS
A. Related Parties
Rupiah
Foreign Currency
B. Unrelated Parties
Rupiah
Foreign Currency
TOTAL SAVINGS 2)
DEPOSITS
A. RUPIAH
1 month
3 months
6 months
≥ 12 months
B. FOREIGN CURRENCY
1 month
3 months
6 months
≥ 12 months
TOTAL DEPOSITS 3)
TOTAL COLLECTION
THIRD-PARTY FUNDS
TOTAL CORE DEPOSITORS 4)
% CORE DEPOSITORS TO
THIRD-PARTY FUNDS
Notes:

The total in this row must match the total Current Accounts in Appendix I - Financial Position Projection (Balance Sheet) No.1
Liabilities and Equity side.
The total in this row must match the total Savings in Appendix I - Financial Position Projection (Balance Sheet) No.2
Liabilities and Equity side.
The total in this row must match the total Time Deposits in Appendix I - Financial Position Projection
(Balance Sheet) no.3 Liabilities and Equity side.
Core Depositors include the 10 (ten), 25 (twenty-five), or 50 (fifty) largest depositors from
total savings in current accounts, savings, and deposits, with the following criteria:
a. for Banks with total assets less than or equal to Rp1 trillion, includes 10 (ten) depositors; b. for Banks with total assets greater than Rp1 trillion but less than or equal to Rp10 trillion, includes 25 (twenty-five) depositors;
c. for Banks with total assets greater than Rp10 trillion, includes 50 (fifty) depositors.
Established in Jakarta on 14 July 2016
EXECUTIVE HEAD OF BANKING SUPERVISOR
FINANCIAL SERVICES AUTHORITY, ttd
NELSON TAMPUBOLON
GROUP Year 1
Projection
Format Third-Party Fund Collection Plan
Actual
Sept
2016
Dec
2016
Copy matches the original
Legal Director 1
Legal Department ttd
Yuliana

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SECURITIES ISSUANCE PLAN
PT BANK _________________
Million Rp
Actual
March
2017
June
2017
Sept
2017
Dec
2017
A. RUPIAH

Bonds
Medium Term Notes (MTN)
Convertible bonds
Others (specified by type, e.g., CLN)
a. .......
b. .......
etc. ......
Total Securities - Rupiah
B. FOREIGN CURRENCY
Bonds
Medium Term Notes (MTN)
Convertible bonds
Others (specified by type, e.g., CLN)
a. .......
b. .......
etc. ......
Total Securities - Rupiah
TOTAL SECURITIES ISSUED Œ1)
Notes:

The total in this row must match the total Securities Issued in
Appendix I - Financial Position Projection (Balance Sheet) no.10 Liabilities and Equity side.
Established in Jakarta on 14 July 2016
EXECUTIVE HEAD OF BANKING SUPERVISOR
FINANCIAL SERVICES AUTHORITY, ttd
NELSON TAMPUBOLON
Type
Projection
Year 1
Format Securities Issuance Plan
Dec
2016
Sep
2016
Copy matches the original
Legal Director 1
Legal Department
Yuliana

3 -
OTHER FUNDING PLAN 1)
PT BANK ………
Million Rp
March
2017
June
2017
Sept
2017
Dec
2017
TOTAL
Notes:

Other funding types are funding other than in the form of
third-party fund collection (current accounts, savings, and deposits) and issuance of securities. Established in Jakarta on 14 July 2016 EXECUTIVE HEAD OF BANKING SUPERVISOR FINANCIAL SERVICES AUTHORITY, ttd NELSON TAMPUBOLON Other Funding Type 1) Projection Year 1 Format Other Funding Plan Dec 2016 Actual Sep 2016 Copy matches the original Legal Director 1 Legal Department Yuliana

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RELATED-PARTY FUND PROVISION PLAN 1)
PT BANK ………
Million Rp
March
2017
June
2017
Sept
2017
Dec
2017
TOTAL
% Related-Party Fund Provision to Capital
Notes:

Related parties are related parties as regulated in provisions regarding
Maximum Credit Limit (BMPK).
Types of Fund Provision are classified into:
a. Credit; b. Other fund provision, which includes fund provision facilities as referred to in provisions regarding Maximum Credit Limit, other than credit. Established in Jakarta on 14 July 2016 EXECUTIVE HEAD OF BANKING SUPERVISOR FINANCIAL SERVICES AUTHORITY, ttd NELSON TAMPUBOLON Related Party Name Projection Year 1 Format Related-Party Fund Provision Plan Type of Fund Provision 2) Actual Sep 2016 Dec 2016 Copy matches the original Legal Director 1 Legal Department ttd Yuliana

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SECURITIES INVESTMENT PLAN
Million Rp
March
2017
June
2017
Sept
2017
Dec
2017
A. RUPIAH
1 Measured at fair value through profit or loss a. Government Bonds / SUN b. Bonds
c. Asset-Backed Securities (Securitization)
d. Other Securities
Total
2 Available for sale a. Government Bonds / SUN b. Bonds
c. Asset-Backed Securities (Securitization)
d. Other Securities
Total
3 Held to maturity a. Government Bonds / SUN b. Bonds
c. Asset-Backed Securities (Securitization)
d. Other Securities
Total
4.Given loans and receivables a. Government Bonds / SUN b. Bonds
c. Asset-Backed Securities (Securitization)
d. Other Securities
Total
Total Rupiah
B. FOREIGN CURRENCY
1 Measured at fair value through profit or loss a. Government Bonds / SUN b. Bonds
c. Asset-Backed Securities (Securitization)
d. Other Securities
Total
2 Available for sale a. Government Bonds / SUN b. Bonds
c. Asset-Backed Securities (Securitization)
d. Other Securities
Total
3 Held to maturity a. Government Bonds / SUN b. Bonds
c. Asset-Backed Securities (Securitization)
d. Other Securities
Total
4.Given loans and receivables a. Government Bonds / SUN b. Bonds
c. Asset-Backed Securities (Securitization)
d. Other Securities
Total
Total Foreign Currency
TOTAL RUPIAH AND FOREIGN CURRENCY 1)
Notes:

The amount in this row must match the total Securities in Appendix I - Financial Position Projection (Balance Sheet)
No.5 Asset side.
Established in Jakarta on 14 July 2016
EXECUTIVE HEAD OF BANKING SUPERVISOR
FINANCIAL SERVICES AUTHORITY, ttd
NELSON TAMPUBOLON
Type
Projection
Year 1
Format Securities Investment Plan
Actual
Sep
2016
Dec
2016
Copy matches the original
Legal Director 1
Legal Department ttd
Yuliana

5 -
OTHER INVESTMENT PLAN
PT BANK ………
Million Rp
March
2017
June
2017
Sept 2017 Dec 2017
Established in Jakarta on 14 July 2016
EXECUTIVE HEAD OF BANKING SUPERVISOR
FINANCIAL SERVICES AUTHORITY, ttd
NELSON TAMPUBOLON
Type of Investment
Projection
Year 1
TOTAL
Format Other Investment Plan
Actual
Sep
2016
Dec
2016
Copy matches the original
Legal Director 1
Legal Department ttd
Yuliana
5 -
5 -
CAPITAL PARTICIPATION PLAN
PT BANK ………
Million Rp
No. Company Name
March
2017
June
2017
Sept
2017
Dec
2017
A. CAPITAL PARTICIPATION
1
2
3 etc.
Total
B. TEMPORARY CAPITAL PARTICIPATION
1
2
3 etc.
Total
TOTAL 1)
Notes:

The amount in this row must match the total Participation in Appendix I - Financial Position Projection
(Balance Sheet) No.11 Asset side.
Established in Jakarta on 14 July 2016
EXECUTIVE HEAD OF BANKING SUPERVISOR
FINANCIAL SERVICES AUTHORITY, ttd
NELSON TAMPUBOLON
Projection
Year 1
Format Capital Participation Plan
Actual
Sep
2016
Dec
2016
Copy matches the original
Legal Director 1
Legal Department ttd
Yuliana

1 -
APPENDIX XIV.A.
Bank :
March
2017
June
2017
Sept
2017
Dec
2017
I
1 Core Tier 1 Capital (CET 1)
1.1 Paid-up Capital (After deducting Treasury Shares)
1.2 Additional Capital Reserves 1)
1.2.1 Agio/Disagio
1.2.2 Donation Capital
1.2.3 General Reserves
1.2.4 Retained Earnings from Previous Years that can be Calculated
1.2.5 Current Year Retained Earnings that can be Calculated
1.2.6 Exchange Differences from Financial Statement Translation
1.2.7 Capital Payment Funds
1.2.8 Issued Warrants
1.2.9 Stock Options Issued as Part of Stock-Based Compensation Programs
1.2.10Other Comprehensive Income
1.2.11Fixed Asset Revaluation Surplus Balance 1.2.12Shortfall between Asset Impairment Provisions and Productive Asset Impairment Loss Reserves 1.2.13Asset Impairment Provisions (PPA) for Non-Productive Assets that Must be Calculated 1.2.14
1.3 Non-Controlling Interests that can be Calculated
1.4 Core Tier 1 Deduction Factors 1)
1.4.1 Deferred Tax Calculation
1.4.2 Goodwill
1.4.3 Other Intangible Assets
1.4.4 Participations Calculated as Deduction Factors
1.4.5 Capital Shortfall in Insurance Subsidiary Companies
1.4.6 Securitization Exposures
1.4.7 Other Core Tier 1 Deduction Factors
1.4.8 Investments in AT1 and Tier 2 Instruments in Other Banks 2)
2 Additional Tier 1 Capital (AT-1) 1)
2.1 Instruments Meeting AT-1 Requirements
2.2 Agio/Disagio
2.3 Deduction Factors: Investments in AT1 and Tier 2 Instruments in Other Banks 2)
II
1 Capital instruments in the form of shares or other instruments meeting requirements 2 Agio/disagio arising from the issuance of supplementary capital instruments 3 Productive Asset Impairment Provisions (PPA) that Must be Formed (max 1.25% of Credit Risk ATMR) 4 Purpose Reserves 5 Supplementary Capital Deduction Factors 1)
5.1 Sinking Fund
5.2 Investments in Tier 2 Instruments in Other Banks 2)
Supplementary Capital (Tier 2)
Core Capital (Tier 1)
PROJECTION OF MINIMUM CAPITAL PROVISION OBLIGATION (KPMM) COMPLIANCE (in millions of Rupiah) Projection Actual Sep 2016 Dec 2016 Dec 2018 Dec 2018 Year 1 Format Minimum Capital Provision Obligation (KPMM) Compliance Projection for Banks Other Than Branches of Banks Located Abroad FOR BANKS OTHER THAN BRANCHES OF BANKS LOCATED ABROAD Shortfall in fair value adjustment amounts from financial instruments in the trading book
2 -
Total Capital
RISK-WEIGHTED ASSETS
CREDIT RISK ATMR
MARKET RISK ATMR
OPERATIONAL RISK ATMR
TOTAL ATMR
KPMM RATIO ACCORDING TO RISK PROFILE
ALLOCATION OF KPMM COMPLIANCE
From CET1
From AT1
From Tier 2
KPMM RATIO
CET 1 Ratio
Tier 1 Ratio
Tier 2 Ratio
Total Ratio
CET 1 FOR BUFFER
PERCENTAGE OF BUFFER THAT MUST BE MET BY BANKS Capital Conservation Buffer 3) Countercyclical Buffer 4) Capital Surcharge for D-SIB 5) Notes:

Detailed presentation may be omitted if the value is zero.
Investments in financial instruments that are equity instruments recognized as capital in other banks are deducted from each respective capital.
Applies to Banks required to form a Capital Conservation Buffer as regulated in Financial Services Authority Regulations regarding minimum capital provision obligations
for General Banks.
Applies to Banks required to form a Countercyclical Buffer as regulated in Financial Services Authority Regulations regarding minimum capital provision obligations
for General Banks.
Applies to Banks required to form a Capital Surcharge for D-SIB as regulated in Financial Services Authority Regulations regarding the designation of systemically important banks
and Capital Surcharge.

3 -
APPENDIX XIV.B.
Format Minimum Capital Provision Obligation (KPMM) Compliance Projection for Branches of Banks Located Abroad Bank :
(in millions of Rupiah)
March 2017 June 2017 Sept 2017 Dec 2017

Working Capital
1.1 Working Capital
1.2 Paid-up Capital
Reserves
2.1 General Reserves
2.2 Purpose Reserves
Retained Earnings from Previous Years that can be Calculated
Current Year Retained Earnings that can be Calculated
Fixed Asset Revaluation
Productive Asset Impairment Provisions (PPA) that Must be Formed (max 1.25% of Credit Risk ATMR)
Capital Deduction Factors 1)
8.1 Shortfall from Financial Statement Translation
8.2 Other Comprehensive Income that Cannot be Calculated
8.3 Shortfall between PPA and Productive Asset Impairment Loss Reserves
8.4 Asset Impairment Provisions (PPA) for Non-Productive Assets that Must be Calculated
8.5 Shortfall in fair value adjustment amounts from financial instruments in the trading book
8.6 Deferred Tax Calculation
8.7 Goodwill
8.8 Other Intangible Assets
8.9 Participations
8.10Capital Shortfall in Insurance Subsidiary Companies 8.11Securitization Exposures RISK-WEIGHTED ASSETS CREDIT RISK ATMR MARKET RISK ATMR OPERATIONAL RISK ATMR TOTAL ATMR KPMM RATIO ACCORDING TO RISK PROFILE KPMM RATIO PORTION OF WORKING CAPITAL PLACED IN CEMA DIVIDED BY ATMR PERCENTAGE OF BUFFER THAT MUST BE MET BY BANKS Capital Conservation Buffer 2) Countercyclical Buffer 3) Capital Surcharge for D-SIB Notes:

Detailed presentation may be omitted if the value is zero.
Applies to Banks required to form a Capital Conservation Buffer as regulated in Financial Services Authority Regulations
regarding minimum capital provision obligations for General Banks.
Applies to Banks required to form a Countercyclical Buffer as regulated in Financial Services Authority Regulations regarding the obligation to provide
minimum capital for General Banks.
Established in Jakarta on 14 July 2016
EXECUTIVE HEAD OF BANKING SUPERVISOR
FINANCIAL SERVICES AUTHORITY,
NELSON TAMPUBOLON
Dec
2018
Dec
2019
PROJECTION OF MINIMUM CAPITAL PROVISION OBLIGATION (KPMM) COMPLIANCE FOR BRANCHES OF BANKS LOCATED ABROAD Projection Year 1 TOTAL CAPITAL Other Comprehensive Income: gains from fair value increases of financial assets in the available-for-sale group Actual Sep 2016 Dec 2016 Copy matches the original Legal Director 1 Legal Department ttd Yuliana

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5 -
CAPITAL CHANGE PLAN
PT BANK …….
Million Rp
March
2017 June 2017 Sept
2017
Dec
2017
CAPITAL POSITION
Shareholders
1 _____________
2 _____________
3 _____________
4 _____________
5 _____________
Total Paid-up Capital
IPO (Initial Public Offering) - Go Public
Right Issues
Others (such as subordinated loans, loan capital) Established in Jakarta on 14 July 2016 EXECUTIVE HEAD OF BANKING SUPERVISOR FINANCIAL SERVICES AUTHORITY, ttd NELSON TAMPUBOLON Projection Year 1 Format Capital Change Plan Actual Sep 2016 Dec 2016 Dec 2018 Dec 2019 Copy matches the original Legal Director 1 Legal Department ttd Yuliana
6 -
No.
Position
Space
Scope
1
2
3 Branch Office Heads of banks located abroad 4 Representative Office Leaders 5 6 Experts/Consultants 7 Other Positions 1) Notes:

if any, according to Financial Services Authority approval.
a....................................................................................................................................................................................................
b....................................................................................................................................................................................................
PT Bank ……….
FOREIGN WORKER UTILIZATION PLAN REPORT
Executive Officials
Field of Work and Planned Position Program Knowledge Transfer Commissioners Amount
Reasons for utilizing TKA and reasons for not/not yet using Indonesian Workers: ...................................................
etc.................................................................................................................................................................................................
Name of Supporting
Worker
Directors
Name of Long-Term TKA
Format Foreign Worker Utilization Plan
Copy matches the original
Legal Director 1
Legal Department ttd
Yuliana

7 -
No. Type
For Banks For Customers
A.
1
2
3
4 etc.
B
1
2
3
4 etc.
Notes:

Only for products and/or new activities never previously issued or implemented by the Bank.
More detailed explanations/Descriptions can be attached in separate sheets.
Note:
Established in Jakarta on 14 July 2016
EXECUTIVE HEAD OF BANKING SUPERVISOR
FINANCIAL SERVICES AUTHORITY, ttd
NELSON TAMPUBOLON
Format Plan for Issuance of Products and/or Implementation of New Activities BANK ______________________ Possible Risks2) Risk Mitigation for Issuance of Products and/or New Activities Linkage of Products and/or New Activities with Bank Strategy2) Planned Time Issuance and/or Implementation Purpose/Benefits General Description2) PLAN FOR ISSUANCE OF PRODUCTS AND/OR IMPLEMENTATION OF NEW ACTIVITIES1) For Banks wishing to conduct Officeless Financial Services in the Context of Inclusive Finance (Laku Pandai), the plan for conducting Laku Pandai also includes information and explanations regarding the number and types of Agents targeted per year for the first 3 (three) years of operation and for cooperation in the first year, accompanied by detailed district or city locations. ACTIVITY PRODUCT Copy matches the original Legal Director 1 Legal Department ttd Yuliana

8 -
OFFICE NETWORK DEVELOPMENT AND/OR CHANGE PLAN PT BANK ……… No A. OPENING 1 REGIONAL OFFICE 1) etc. 2 BRANCH OFFICE 1) etc. 3 ASSISTANT BRANCH OFFICE 1) etc. 4 FUNCTIONAL OFFICE 1) etc. 5 CASH OFFICE 1) etc. 6 CASH SERVICE ACTIVITIES 1) etc. 7 OFFICES ABROAD 1) etc. B. STATUS CHANGE 1 REGIONAL OFFICE 1) etc. 2 BRANCH OFFICE 1) etc. 3 ASSISTANT BRANCH OFFICE 1) etc. 4 FUNCTIONAL OFFICE 1) etc. 5 CASH OFFICE 1) etc. 6 CASH SERVICE ACTIVITIES 1) etc. 7 OFFICES ABROAD 1) etc.
C. ADDRESS TRANSFER
1 REGIONAL OFFICE

etc.
2 BRANCH OFFICE
etc.
3 ASSISTANT BRANCH OFFICE
etc.
4 FUNCTIONAL OFFICE
etc.
5 CASH OFFICE
etc.
6 CASH SERVICE ACTIVITIES
etc.
7 OFFICES ABROAD
etc.
D. CLOSING
1 REGIONAL OFFICE
etc.
2 BRANCH OFFICE
etc.
3 ASSISTANT BRANCH OFFICE
etc.
4 FUNCTIONAL OFFICE
etc.
5 CASH OFFICE
etc.
6 CASH SERVICE ACTIVITIES
etc.
7 OFFICES ABROAD
etc.
Note:
This form is completed with calculations of core capital allocation availability referring to provisions regarding office network opening based on the Bank's core capital. Notes:
Fill in with the planned implementation month.
For locations within DKI Jakarta, at least specify the name of the administrative city or administrative district.
For locations outside DKI Jakarta, at least include the name of the district or city.
Detailed notes can be attached in separate sheets.
Established in Jakarta on 14 July 2016
EXECUTIVE HEAD OF BANKING SUPERVISOR
FINANCIAL SERVICES AUTHORITY, ttd
NELSON TAMPUBOLON
Format Office Network Development and/or Change Plan HEAD OFFICE ESTIMATED INVESTMENT (in Rupiah) LOCATION 2) NOTES 3) PLANNED TIME IMPLEMENTATION 1) TYPE OF OFFICE Copy matches the original Legal Director 1 Legal Department ttd Yuliana

1 -
LAMPIRAN XIX.A.
BUSINESS PLAN REALIZATION REPORT 1)
PT Bank ______________
Period: ______________ a. Explanation of Business Plan achievement including focus and priority of achievement of the Business Plan as well as comparison between the plan and its realization. 2) b. Explanation of deviations from the Business Plan realization, such as causes and obstacles faced.
c. Follow-up or efforts to be made to improve the achievement of the Business Plan realization.
Notes:

The number of pages/size in this appendix example is not binding, so the Bank can elaborate in more detail or add in a separate sheet.
The comparison of the Business Plan with realization, in addition to covering Appendix XIX.B., the Bank also needs to explain the size of realization related to financial projections, fund gathering, fund disbursement, and capital plans not covered in that appendix.
Format of Business Plan Realization Report

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LAMPIRAN XIX.B.
REPORT ON THE REALIZATION OF FINANCIAL RATIOS AND CERTAIN ITEMS PT BANK ……………. No. RATIO TARGET REALIZATION DEVIATION NOTES A. FINANCIAL RATIOS 1 KPMM Ratio 1) 2 Core Capital Ratio against Risk-Weighted Assets (RWA) 2) 3 Core Tier 1 Capital Ratio against RWA 4 Core Capital Ratio against Supplementary Capital 5 Core Capital Ratio against Total Assets 2) 6 ROE 1) 7 ROA 1) 8 NIM 1) 9 Overhead cost ratio against net income from main activities 2) 10 BOPO 1) 10 Fee Based Income ratio against Total Operational Income 2) 12 Operational Profit (Loss) 13 Current Year Profit (Loss) 14 Ratio of non-performing productive assets and non-performing non-productive assets against total productive assets and non-productive assets 1) 15 Ratio of non-performing productive assets against total productive assets 1) 16 Ratio of impairment loss reserves (CKPN) for financial assets against productive assets 1) 17 Ratio of CKPN and provision for asset write-off (PPA) on formed TRA productive assets against PPA that must be formed on productive assets 2) 18 NPL Ratio
Gross 1)
Net 1)
19 Loan to Total Productive Assets Ratio 2) 20 Core Debtor Ratio against Total Loans 2) 21 Ratio of Foreclosed Collateral against Total Loans 22 Loans given
Rupiah
Foreign Currency
23 Credit facilities to customers not yet drawn committed
Rupiah
Foreign Currency
uncommitted
Rupiah
Format of Financial Ratios and Certain Items Realization Report
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REPORT ON THE REALIZATION OF FINANCIAL RATIOS AND CERTAIN ITEMS PT BANK ……………. No. RATIO TARGET REALIZATION DEVIATION NOTES Format of Financial Ratios and Certain Items Realization Report
Foreign Currency
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REPORT ON THE REALIZATION OF FINANCIAL RATIOS AND CERTAIN ITEMS PT BANK ……………. No. RATIO TARGET REALIZATION DEVIATION NOTES Format of Financial Ratios and Certain Items Realization Report 24 Ratio of trading assets, spot receivables and derivatives, and Fair Value Option assets against total assets 2) 25 Ratio of spot and derivatives against total assets 2) 26 Ratio of liquid assets against total assets 2) 27 Ratio of liquid assets against short-term funding 2) 28 Core depositor ratio against Total Third-Party Funds 2) 29 Loan to Deposit Ratio (LDR) 1) 30 Third-Party Funds
Rupiah
Foreign Currency
B. OTHER CERTAIN RATIOS
1 Ratio of Total Loans to Micro Enterprises against Total Loans to MSMEs 2 Ratio of Total Loans to Small Enterprises against Total Loans to MSMEs 3 Ratio of Total Loans to Medium Enterprises against Total Loans to MSMEs 4 Ratio of Total Loans to MSMEs against Total Loans 5 a. Ratio of Education and Training Funds against Realization/HR Budget Expenditure 3) b. Ratio of Remaining Budget of this year used for the next year 4) 6 Ratio of Fixed Assets not used in Bank operations against capital Notes:

The formula and calculation of financial ratios refer to regulations governing transparency and publication of bank reports.
The formula and calculation of financial ratios refer to the explanation of core financial ratios in Appendix V.
The scope of education and training funds refers to applicable Financial Services Authority regulations.
The remaining budget refers to the difference between the 5% obligation and its realization.

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LAMPIRAN XIX.C.
REPORT ON THE REALIZATION OF OFFICE NETWORK DEVELOPMENT AND/OR CHANGES PT BANK ……… Period: ______________ No OFFICE NAME A. OPENING 1 REGIONAL OFFICE 1) and so on. 2 BRANCH OFFICE 1) and so on. 3 SUB-BRANCH OFFICE 1) and so on. 4 FUNCTIONAL OFFICE 1) and so on. 5 CASH OFFICE 1) and so on. 6 CASH SERVICE ACTIVITIES 1) and so on. 7 OFFICE ABROAD 1) and so on. B. STATUS CHANGE 1 REGIONAL OFFICE 1) and so on. 2 BRANCH OFFICE 1) and so on. 3 SUB-BRANCH OFFICE 1) and so on. 4 FUNCTIONAL OFFICE 1) and so on. 5 CASH OFFICE 1) and so on. 6 CASH SERVICE ACTIVITIES 1) and so on. 7 OFFICE ABROAD 1) and so on.
C. ADDRESS TRANSFER
1 REGIONAL OFFICE

and so on.
2 BRANCH OFFICE
and so on.
3 SUB-BRANCH OFFICE
and so on.
4 FUNCTIONAL OFFICE
and so on.
5 CASH OFFICE

HEAD OFFICE DATE OF REALIZATION LOCATION 1) NOTES 2) Format of Office Network Development and/or Changes Realization Report

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REPORT ON THE REALIZATION OF OFFICE NETWORK DEVELOPMENT AND/OR CHANGES PT BANK ……… Period: ______________ No OFFICE NAME HEAD OFFICE DATE OF REALIZATION LOCATION 1) NOTES 2) Format of Office Network Development and/or Changes Realization Report and so on.
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REPORT ON THE REALIZATION OF OFFICE NETWORK DEVELOPMENT AND/OR CHANGES PT BANK ……… Period: ______________ No OFFICE NAME HEAD OFFICE DATE OF REALIZATION LOCATION 1) NOTES 2) Format of Office Network Development and/or Changes Realization Report 6 CASH SERVICE ACTIVITIES 1) and so on. 7 OFFICE ABROAD 1) and so on. D. CLOSING 1 REGIONAL OFFICE 1) and so on. 2 BRANCH OFFICE 1) and so on. 3 SUB-BRANCH OFFICE 1) and so on. 4 FUNCTIONAL OFFICE 1) and so on. 5 CASH OFFICE 1) and so on. 6 CASH SERVICE ACTIVITIES 1) and so on. 7 OFFICE ABROAD 1) and so on. Notes:

a). Generally, for locations in the DKI Jakarta region, at least the name of the administrative city or administrative regency must be mentioned.
Whereas for locations outside the DKI Jakarta region, at least the name of the regency or city must be stated, and for offices abroad, the name of the city and country must be stated. b). The complete address of the location must be stated for:
i. opening of cash offices, and/or cash service activities
ii. transfer of regional offices, cash offices, cash service activities, and/or functional offices
that do not conduct operational activities; and/or
iii. closing of regional offices, cash offices, and/or cash service activities.
Detailed notes can be attached in a separate sheet.

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LAMPIRAN XIX.D.
Name
Mentor
Implementing Institution
1
2
1
2 and so on. and so on.
No. Name of Foreign Worker
Training/Teaching Time
Location
Training/Teaching
Number of Participants Duration Subject/Topic 1 2 1 2 and so on. and so on. Notes:

Accompanied by attachment of activity training photos.
Established in Jakarta on July 14, 2016
EXECUTIVE HEAD OF BANKING SUPERVISOR
FINANCIAL SERVICES AUTHORITY, signed
NELSON TAMPUBOLON
Format of Foreign Worker Utilization and Knowledge Transfer to Mentor Realization Report No. Name of Foreign Worker Field of Task Position/Title Evaluation Result Against Mentor Education/ Training for Mentor Notes on Foreign Worker REPORT ON THE REALIZATION OF FOREIGN WORKER UTILIZATION 1 1 2 AND KNOWLEDGE TRANSFER TO MENTORS PT Bank ……….. Period: ______________ Mentor REPORT ON TRAINING OR TEACHING BY FOREIGN WORKERS 1) 2 Copy in accordance with the original Legal Director 1 Legal Department signed Yuliana

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BUSINESS PLAN SUPERVISION REPORT 1)
PT Bank ______________
PERIOD: ______________ a. Board of Commissioners' assessment of Business Plan implementation in the form of quantitative and qualitative assessment of the realization of the Business Plan 2) b. Board of Commissioners' assessment of factors affecting the Bank's performance in general, particularly related to capital factors, earnings, risk profile especially credit risk, market risk and liquidity risk 2)
c. Board of Commissioners' assessment regarding efforts to improve the Bank's performance, in case according to the assessment the Bank's performance
as referred to in letter b above shows a decline 2) Notes:

The number of pages or size in this appendix example is not binding, so the Bank can elaborate
in more detail or add in a separate sheet.
The Board of Commissioners' assessment in letters a to c can also be supplemented with the
assessment regarding external factors affecting the Bank's operations. Established in Jakarta on July 14, 2016 EXECUTIVE HEAD OF BANKING SUPERVISOR FINANCIAL SERVICES AUTHORITY, signed NELSON TAMPUBOLON Format of Business Plan Supervision Report Copy in accordance with the original Legal Director 1 Legal Department signed Yuliana

OJK Circular Letter No. 25/SEOJK.03/2016 on the Business Plan of Conventional Commercial Banks

Lineage: In force