Company Profile. PT Bank QNB Indonesia Tbk QNB Tower, 18 Parc SCBD Jl. Jend. Sudirman Kav Jakarta 12190

Company Profile

PT Bank QNB Indonesia Tbk QNB Tower, 18 Parc SCBD Jl. Jend. Sudirman Kav. 52-53 Jakarta 12190 Tel (+62 21) 515 5155 Fax (+62 21) 515 5388 qnb.co.id

nt Is en i ts

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Sekilas Perusahaan ...........................................04 Company in Brief Visi dan Misi ......................................................06 Vision and Mission Peristiwa Penting ..............................................07 Milestones Peta Operasional ...............................................09 Operational Map Alamat Kantor Cabang .....................................10 Branches Address Penghargaan .....................................................16 Awards Apresiasi ...........................................................17 Token of Appreciations

Sekilas QNB QNB at a Glance Pemegang Saham Pengendali ...........................20 Controlling Shareholder Penghargaan .....................................................22 Awards Peringkat ............................................................24 Rating Jaringan Internasional QNB Group ..................25 QNB Group International Network

Company Profile

PT Bank QNB Indonesia Tbk

Sekilas Perusahaan Company in Brief

Tahun 1913, lebih dari 100 tahun lalu, Khoe Tjin Tek dan Owh Chooi Eng mendirikan NV Chunghwa Shangyeh (The Chinese Trading Company Limited) di Medan, dengan masing-masing bertindak sebagai Direktur Utama dan Komisaris Utama.

100 years ago in 1913, Khoe Tjin Tek and Owh Chooi Eng established NV Chunghwa Shangyeh (The Chinese Trading Company Limited) in Medan. As the founder, they served as President Director and as President Commissioner.

NV Chunghwa Shangyeh bergerak dalam bidang simpan pinjam keuangan dan juga bergerak di bidang perdagangan umum.

NV Chunghwa Shangyeh engaged in financial lending and deposits as well as in general trading.

Tahun 1958, NV Chunghwa Shangyeh resmi melakukan kegiatan sebagai Bank Umum dan pada tahun 1962 bentuk usaha berganti menjadi Perseroan Terbatas dengan nama PT Bank Chunghwa Shangyeh.

In 1958, NV Chunghwa Shangyeh was officially active as a Commercial Bank, and changed into a limited liability company in 1962 under the name of PT Bank Chunghwa Shangyeh.

Tahun 1965, PT Bank Chunghwa Shangyeh berubah nama menjadi PT Bank Kesawan dan untuk lebih memantapkan posisi Bank maupun pengembangan usaha yang lebih baik, Kantor Pusat Bank Kesawan direlokasi ke Jakarta pada tahun 1990.

In 1965, PT Bank Chunghwa Shangyeh renamed as PT Bank Kesawan and to further strengthen the Bank’s position as well as improved business development, Bank Kesawan Headquarter was relocated to Jakarta in 1990.

Tahun 1995, Bank Kesawan memperoleh persetujuan menjadi Pedagang Valuta Asing dan selanjutnya pada tahun 1996 mendapatkan izin menjadi Bank Umum Devisa dan Bank Persepsi, yaitu Bank yang dapat menerima pajak.

In 1995, Bank Kesawan obtained an approval to become Foreign Exchange Traders and further in 1996 obtained a licence to become a Foreign Exchange Commercial Bank and ‘Bank Persepsi’, a bank that can accept tax payments.

Tahun 2000, Bank Kesawan memperoleh penghargaan sebagai salah satu “Bank Berkinerja Terbaik” dalam beberapa kategori dari majalah independen perbankan InfoBank.

In 2000, Bank Kesawan’s awarded as one of the “Best Performing Bank” in several categories from InfoBank.

Tahun 2002, Bank Kesawan merubah sistem operasional manual menjadi online dan diimplementasikan di seluruh kantor cabang. Bank Kesawan menjadi Bank Publik pada tahun 2002 dengan Penawaran Saham Umum Perdana sejumlah 78,8 juta lembar tercatat pada Bursa Efek Jakarta. Dalam penawaran umum saham ini dikeluarkan pula Waran Seri I dengan jangka waktu pelaksanaan di tahun 2003 sampai dengan 2005.

In 2002, the manual operations system was changed to ‘on-line’ system in all branches of Bank Kesawan. Bank Kesawan became a Public Bank in 2002 with an Initial Public Offering of 78.8 million shares listed on the Jakarta Stock Exchange. In the public offering, Bank Kesawan also issued Series I Warrant with the date of execution from year 2003 to 2005.

Tahun 2009, Bank melakukan Penawaran Umum Terbatas I kepada para Pemegang Saham dalam rangka penerbitan Hak Memesan Efek Terlebih Dahulu (HMETD) sebanyak 125.304.750 lembar saham atau seluruhnya berjumlah sebesar Rp 40.097.520.000.

In 2009, the Bank launched Rights Issue I to the shareholders in order to the issuance of preemptive rights of 125,304,750 shares, or worth totalling Rp 40,097,520,000.

04

Tahun 2011, Bank melakukan Penawaran Umum Terbatas II (PUT II) kepada para Pemegang Saham dalam rangka penerbitan Hak Memesan Efek Terlebih Dahulu (HMETD) sebanyak 2.935.263.768 lembar saham atau seluruhnya berjumlah sebesar Rp 733.815.942.000. Qatar National Bank SAQ bertindak selaku pembeli siaga dalam PUT II tersebut.

In 2011, the Bank launched Rights Issue II to the shareholders in order to the issuance of preemptive rights of 2,935,263,768 shares, or worth totaling Rp 733,815,942,000. Qatar National Bank SAQ acted as stand-by buyer in this Rights Issue II.

Pelaksanaan PUT II ini meningkatkan permodalan Bank dan mempengaruhi perubahan kepemilikan saham termasuk Pemegang Saham Pengendali.

Implementation of Rights Issue II was to enhance the Bank’s capital and impacted in the change of its share ownership including the controlling shareholders.

Sebagai hasil pelaksanaan PUT II, Qatar National Bank SAQ menjadi Pemegang Saham Pengendali Bank yang memiliki 69,59 % dari modal yang ditempatkan dan disetor Bank. Nama Bank kemudian berubah menjadi PT Bank QNB Kesawan Tbk.

As a result of Rights Issue II, Qatar National Bank SAQ has become the Controlling Shareholders of the Bank, which controls 69.59% of the Bank’s paid-up capital. The Bank then changed its name to PT Bank QNB Kesawan Tbk.

Tahun 2013, Bank kembali melakukan Penawaran Umum Terbatas III ( PUT III ) kepada para Pemegang Saham dalam rangka penerbitan Hak Memesan Efek Terlebih Dahulu ( HMETD ) sebanyak 2.596.543.000 lembar saham atau seluruhnya berjumlah sebesar Rp 649.135.750.000.

In 2013, the Bank launched Rights Issue III to the shareholders in order to the issuance of preemptive rights of 2,596,543,000 shares or worth totaling Rp 649,135,750,000.

Tahun 2014, Bank kembali melakukan Penawaran Umum Terbatas IV ( PUT IV ) kepada para Pemegang Saham dalam rangka penerbitan Hak Memesan Efek Terlebih Dahulu ( HMETD ) sebanyak 2.598.815.479 lembar saham atau seluruhnya berjumlah sebesar Rp 649.703.869.750 dan pada bulan November, secara resmi perubahan nama Bank menjadi PT Bank QNB Indonesia Tbk.

In 2014, the Bank launched Rights Issue IV to the shareholders in order to the issuance of preemptive rights of 2,598,815,479 shares or worth totaling Rp 649,703,869,750 and then changed its legal entity to PT Bank QNB Indonesia Tbk on November.

PT Bank QNB Indonesia Tbk terdaftar dan diawasi oleh Otoritas Jasa Keuangan

05

Company Profile


Visi dan Misi

Peristiwa Penting

Vision and Mission

Milestones

Visi

Vision

Sebelum 2017 kami akan menjadi:

By 2017 we will be:

• Ikon* institusi keuangan di Indonesia yang tumbuh dan berkembang bersama para pemangku kepentingan kami

• An Icon* in Indonesia that grows together with our stakeholders

• Bank papan atas dalam hal kinerja keuangan di Indonesia

• A top tier bank in terms of financial performance in Indonesia

(*) dalam hal pemanfaatan teknologi untuk menghasilkan kenyamanan dan proses yang ringkas

(*) in terms of technology enable convenience and simplicity of processes

Misi

Mission

Kami menyediakan produk dan layanan perbankan yang unggul, didukung oleh teknologi dan jaringan internasional yang menghasilkan peningkatan manfaat bagi para pemangku kepentingan untuk menjadi institusi keuangan pilihan.

We provide outstanding technology - enabled banking product and services supported by an international network that delivers enhanced stakeholers value to be a financial institution of choice.

06

Bank Kesawan awalnya didirikan di Medan dengan nama N.V. Chunghwa Shangyeh (Perusahaan Perdagangan Cina).

1913

Mulai beroperasi sebagai bank umum.

1958

Began operating as a public bank.

Perubahan nama menjadi PT Bank Chunghwa Shangyeh.

1962

Changed its name to PT Bank Chunghwa Shangyeh.

Perubahan nama menjadi PT Bank Kesawan.

1965

Changed its name to PT Bank Kesawan.

Perpindahan Kantor Pusat ke Jakarta.

1990

PT Bank Kesawan’s Headquarter moved to Jakarta.

Memperoleh izin usaha sebagai Bank Devisa.

1996

Licensed as a Foreign Exchange Bank.

Dikategorikan sebagai “Bank A” oleh Bank Indonesia.

1998

Categorized as “Bank A” by Bank Indonesia.

Pemegang saham pengendali berganti nama menjadi PT Adhi Tirta Mustika.

2001

• Penerapan sistem online. • Menjadi perusahaan publik melalui IPO dengan mencatatkan 78,8 juta lembar sahamnya di Bursa Efek Indonesia.

2002

Memperkuat permodalan melalui Rights Issue I dengan menerbitkan 125.304.750 lembar saham biasa senilai Rp 40 miliar.

2009

• Mengubah Visi dan Misi, seiring dengan dilakukannya reorganisasi. • Membuka 2 (dua) cabang baru di Makassar dan Depok.

2010

• Memperkuat modal melalui Rights Issue II dengan menerbitkan 2.935.263.768 lembar saham baru senilai Rp 734 miliar atau 82,41% dari modal disetor penuh. • Sebanyak 2.478.728.032 lembar saham (84,45%) dibeli oleh QNB (Qatar National Bank) sehingga kepemilikan QNB terhadap Perseroan adalah sebesar 69,59%. • Desember 2011, berubah nama menjadi PT Bank QNB Kesawan Tbk.

2011

Bank Kesawan was established in Medan by the name of N.V. Chunghwa Shangyeh (China Trading Company).

The controlling shareholder was renamed PT Adhi Tirta Mustika. • Applied online system. • Became a public company through IPO, and listed 78.8 million shares on the Indonesia Stock Exchange.

Strengthen its capital through Rights Issue I by issuing 125,304,750 ordinary shares worth Rp 40 billion.

• Transformed its vision and mission, as well as performing reorganization. • Opened 2 (two) new branches in Makassar and Depok. • Strengthen its capital through Rights Issue II by issuing 2,935,263,768 new shares worth Rp 734 billion, or 82.41% of the paid-up capital. • A total of 2,478,728,032 shares (84.45%) were purchased by QNB (Qatar National Bank), thus the ownership of QNB towards the Company valued 69.59%. • December 2011, changed its name to PT Bank QNB Kesawan Tbk.

07

Company Profile


Peta Operasional Operation Map • Maret, Relokasi Kantor Pusat & Peluncuran Logo Baru 26 Maret 2012. • Mei, Pembukaan 3 Kantor Cabang. • Agustus, Relokasi Cabang Denpasar - Renon. • November, Pembukaan 2 Kantor Cabang. • Desember, Meraih Piagam Penghargaan “Anugerah Perbankan Indonesia”.

2012

Kembali memperkuat permodalan melalui Rights Issue III dengan menerbitkan 2.596.543.000 lembar saham atau senilai Rp 649.135.750.000.

2013

• Kembali memperkuat permodalan melalui Rights Issue IV dengan menerbitkan 2.598.815.479 lembar saham atau senilai Rp 649.703.869.750.

2014

• November 2014, secara resmi nama Bank berubah menjadi PT Bank QNB Indonesia Tbk.

• March, Head Office Relocation & New Logo Launching in March 26, 2012. • May, Opening of 3 Branch Offices. • August, Branch Relocation Denpasar - Renon. • November, Opening of 2 Branch Offices. • Desember, Received Achievement from “Anugerah Perbankan Indonesia”.

Medan

Pekanbaru

Batam

Makassar

Jakarta

Tangerang

Bekasi

Depok

Bandung

Semarang

Surabaya

Bali

9

Peta Operasional Operation Map

1


1


Re-strengthen its capital through Rights Issue III by issuing 2,596,543,000 shares worth Rp 649,135,750,000. • Re-strengthen its capital through Rights Issue IV by issuing 2,598,815,479 shares worth Rp 649,703,869,750. • November 2014, changed its legal entity to PT Bank QNB Indonesia Tbk.

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09

Company Profile


Alamat Kantor Cabang Branches Address No.

Cabang/Capem Branch Offices

Alamat Address

Telepon Phone Number

Fax Fax Number

JAKARTA 1

SCBD

2

Cengkareng

3 4

Kebayoran Kapuk

5

Green Garden

6

Central Park

7 8

Mangga Dua Muara Karang

9 10 11

Pondok Indah Puri Tanah Abang

12

Menara Jamsostek

13

Pulo Gadung

14

Sunter

15 16

Kelapa Gading Pluit

17

Mega Kuningan

18

Permata Hijau

19

Roxy

TANGERANG 20

Alam Sutera

BEKASI 21

Ahmad Yani

Depok Margonda

QNB Tower 18 Parc SCBD Jl. Jend. Sudirman Kav. 52-53, Jakarta 12190 Ruko Taman Palem Lestari Jl. Kamal Raya Outer Ringroad, Blok A5 No. 58 Cengkareng, Jakarta 11730 Jl. Panglima Polim No. 9-10, Jakarta 12160 Komplek Duta Harapan Indah Jl. Kapuk Muara Blok A/6 No.7 , Jakarta 14460 Rukan Golden Green No.7 Jl. Kedoya Raya, Kedoya Utara, Jakarta 11520 Komplek Central Park Ruko Garden Shopping Arcade Blok Beaufort 8 No. EJ Jl. Tanjung Duren Raya Kav. 5-9, Jakarta 11470 Mangga Dua Blok E IV No. 4, Jakarta 14430 Jl. Muara Karang Blok B VIII Timur No. 75 Jakarta 14450 Jl. Iskandar Muda No. 28L, Jakarta 12240 Jl. Puri Indah Raya Blok I No. 19, Jakarta 11610 Jl. K.H. Fachrudin 36 Blok BB No. 2 Tanah Abang Bukit Jakarta 10250 Gedung Menara Jamsostek, Ground Floor, South Tower Jl. Jend. Gatot Subroto No. 38, Jakarta 12710 Pulo Gadung Trade Center Jl. Raya Bekasi KM. 21, Ruko A2/20 Kawasan Industri Pulo Gadung, Jakarta 13920 Jl. Danau Sunter Utara Blok G7 Kav. 1 No. 7 Sunter Podomoro, Jakarta 14350 Jl. Boulevard Blok LB-3 No. 22 Jakarta 14240 Ruko Sentra Bisnis Pluit, Jl. Pluit Sakti Raya No. 28 Blok A.12, Jakarta 14450 Gedung Kantor Taman A9 Blok A9/B9 Unit A1 Kawasan Mega Kuningan, Jakarta 12950 The Belleza Shopping Arcade, Apartemen Belleza Arteri Permata Hijau Jl. Let. Jend. Soepeno No. 34, Blok SA-06 Kebayoran Lama, Jakarta 12240 Komp. Ruko Roxy Mas Jl. K. H. Hasyim Ashari Blok E1 No. 6 Kel. Cideng, Kec. Gambir, Jakarta Pusat 10150 Perumahan Alam Sutera Komp. Pertokoan Sutera Niaga I No. 35 Jl. Raya Serpong Tangerang 15130

(021) 515 5058

(021) 515 5388

23

Alamat Address

Telepon Phone Number

Fax Fax Number

Denpasar

Jl. Raya Puputan Renon No. 58A Denpasar, Bali 80234

(0361) 233 777

(0361) 239 779

BANDUNG 24

BKR

Jl. BKR No. 100, Bandung 40254

(022) 522 5868

(022) 522 2883

Dago

Jl. Ir. H. Juanda No. 11, Bandung 40116

(022) 8428 1091

(022) 422 2860

(021) 556 2003 (021) 727 97323

(021) 556 2004 (021) 723 4111

25

(021) 668 3429

(021) 662 6961

26 27

Gajah Mada MT Haryono

Jl. Gajah Mada No. 101 B, Semarang 50134 Jl. MT Haryono No. 729, Semarang 50242

(024) 8656 9099 (024) 844 8999

(024) 8656 9088 (024) 844 3999

(021) 581 9133

(021) 582 9126

(021) 292 06400 (021) 600 9870

(021) 292 06401 (021) 600 9871

28 29 30

Darmo Kembang Jepun Ngagel Surabaya

(031) 568 7530 (031) 354 2688

(031) 567 8090 (031) 354 2631 (031) 501 3245

(021) 667 8050 (021) 723 8036 (021) 583 57666

Pasuruan

(031) 501 3242

(021) 662 6308 (021) 728 95377 (021) 583 54666

31

Jl. Raya Darmo No. 108, Surabaya 60264 Jl. Kembang Jepun No. 88, Surabaya 60161 Kom. Pertokoan RMI D1-D2 Jl. Ngagel Jaya Selatan, Surabaya 60238 Ruko Grand Parimas Blok A-6 Jl. Panglima Sudirman, Pasuruan 67115

(0343) 564 5777

(0343) 564 5666

(021) 398 31708

(021) 344 0468

Jl. Sutomo No. 5L, Pematang Siantar 21117

(0622) 29 666

(0622) 24 691

(021) 252 5480

(021) 252 5470

Komplek Jodoh Square Blok A2 & 3 Jl. Raja Ali Haji Sei Jodoh, Batam 29453

(0778) 456 126

(0778) 424 281

(061) 415 2929 (061) 456 2227 (061) 736 2500 (061) 735 1118 (061) 453 7616 (061) 452 3362 (061) 664 1031

(061) 415 5656 (061) 453 1196 (061) 734 3233 (061) 735 2957 (061) 452 3501 (061) 453 6116 (061) 664 1032

(061) 805 10878

(061) 805 10489

(0761) 33 308 (0761) 42 991 (0761) 44 468

(0761) 33 398 (0761) 42 989 (0761) 44 470

(0761) 850 188

(0761) 850 198

Jl. Jend. Sudirman No. 589-592 Kel. 20 Ilir III, Kec. Ilir Timur 1, Palembang 30128

(0711) 318 853

(0711) 318 854

Jl. Veteran No. 402, Kel. Maricaya, Kec. Makassar Makassar 90142

(0411) 853 422

(0411) 856 292

Jl. Jend. Sudirman No. 353, Balikpapan 76114

(0542) 882 0955

(0542) 882 0956

(021) 468 00222

(021) 468 00300

(021) 653 03066 (021) 453 3033

(021) 653 03110 (021) 453 3055

(021) 668 1722

(021) 668 1226

(021) 576 1088

(021) 576 1077

(021) 299 160 22

(021) 299 161 60

(021) 6385 9555

(021) 6385 2255

(021) 539 9332

(021) 539 9338

Kalimalang Commercial Centre Jl. Ahmad Yani Blok A2 No. 1 Bekasi 17144

(021) 8896 5561

(021) 8896 5562

Jl. Margonda Raya No. 197 A Depok 16423

(021) 7721 8999

(021) 7721 8989

SEMARANG

SURABAYA

PEMATANG SIANTAR 32

Pematang SiantarSutomo

BATAM 33

Batam

MEDAN 34 35 36 37 38 39 40 41

Medan Pemuda Medan Pusat Pasar Medan Sutomo Medan Asia Medan Petisah Medan Bogor Medan Krakatau Medan Center Point

PEKANBARU 42 43 44 45

Sudirman Nangka Riau Capem Mal Pekanbaru

Jl. Pemuda No. 5, Medan 20151 Jl. Pusat Pasar No. 164, Medan 20212 Jl. Sutomo No. 128, Medan 20213 Jl. Asia No. 97P, Medan 20212 Jl. Rotan No. 65, Medan 20112 Jl. Bogor No. 55, Medan 20212 Jl. Gunung Krakatau No. 88C, Medan 20239 Komp. Ruko Centre Point Blok G No. 19 Kel. Gang Buntu, Kec. Medan Timur Kota Medan, Sumatera 20231 Jl. Jend. Sudirman No. 303 & 305, Pekanbaru 28112 Jl. Tuanku Tambusai No. 305, Pekanbaru 28155 Jl. Riau No. 149 G, Pekanbaru 28282 Lantai Dasar Blok A4/02 Jl. Jend. Sudirman, Pekanbaru 28112

PALEMBANG 46

Palembang

MAKASSAR 47

Makassar

BALIKPAPAN 48

10

Cabang/Capem Branch Offices

BALI

DEPOK 22

No.

Balikpapan

11

Company Profile


Ikhtisar Keuangan Financial Highlights

PT Bank QNB Indonesia Tbk LAPORAN KEUANGAN KONSOLIDASI per 31 Desember 2014 CONSOLIDATED STATEMENT OF FINANCIAL POSITION as at 31 December 2014

Jumlah Aset (dalam miliar Rupiah)

Jumlah Ekuitas (dalam miliar Rupiah)

Total Assets (in billion Rupiah)

2.500

25.000 20.839, 02

20.000 15.000

5.000

0

2.000

2.500

20.000

1.513,03

18.558,09

2.189,29 2.000

1.000

15.000

1.539,58

1.500

4.644,65

863,07

1.000

500

9.534,59

2013

2014

0

2012

2013

Kredit-Neto (dalam miliar Rupiah)

20.000

20.000

Third Party Funds (in billion Rupiah)

2014

10.000

2013

2014

174,80

95,02

2012

2013

2014

Laba (Rugi) Neto Tahun Berjalan (dalam miliar Rupiah) Net Income (Loss) for the Year (in billion Rupiah) 150 120,84

50

50

3.168,91

0

3.781,59

100

150

100

8.197,68

7.244,93 3.633,08

2012

Fees & Commission Income (in billion Rupiah)

15.093,66

15.000

5.000

0

200

16.161,71

10.000

5.000

Pendapatan Provisi & Komisi (dalam miliar Rupiah)

Net Loans (in billion Rupiah)

15.000

890,44

500

Dana Pihak Ketiga (dalam miliar Rupiah)

5.000

Total Liabilities (in billion Rupiah)

10.000

11.047,62

2012

Jumlah Liabilitas (dalam miliar Rupiah)

Share Capital (in billion Rupiah) 2.280,92

1.500

10.00

Modal Saham (dalam miliar Rupiah)

Total Equity (in billion Rupiah)

(29,50)

3,36

2012

2013

0 4,13

0

2012

2013

2014

Pendapatan Bunga (dalam miliar Rupiah)

2012

2013

2014

1.000

1.000

2012

2013

2014

Income (Loss) before Tax (in billion Rupiah)

Interest Expenses (in billion Rupiah)

1.221,12

0

Laba (Rugi) sebelum Pajak (dalam miliar Rupiah)

Beban Bunga (dalam miliar Rupiah)

Interest Income (in billion Rupiah) 1.250

0

814,50

200

161,91

500

0

12

500 506,44

250

336,36

2012

2013

2014

0

50 (34,42)

163,85

2014

-50

16,24

(6,73)

0,48

2012

2013

0

5,09

0

2013

20

5

275,49

2012

Earning (Loss) per Share

10

100 750

2014

Laba (Rugi) Bersih per Saham

15

150

750

-50

-5

2012

2013

2014

-10

2014

13

Company Profile


Ikhtisar Saham Stocks Highlights

Harga dan Volume Saham

Kronologis Pencatatan Saham

Stock Price and Volume

Listing Chronology

Aksi Korporasi Corporate Action

Keterangan Notes Sebelum IPO Prior to IPO

IPO (November 2002) IPO

Modal Disetor Paid Up Capital 321.200.000 Saham / Share =Rp 80.300.000.000

Melakukan Penawaran Umum Sebanyak 78.800.000 Lembar Saham Execution of Rights Issue of 78,800,000 Shares

400.000.000 Saham / Share =Rp 100.000.000.000

Waran Seri I (November 2005) Warrant Serial I

Pelaksanaan Waran Seri I menjadi Saham Sebanyak 101.219.000 Saham Execution of Warrant Serial I Executed into Share of 101,219,000 Shares

501.219.000 Saham / Share =Rp 125.304.750.000

Rights Issue I (Juli 2009) Rights Issue I

Melakukan Penawaran Umum Terbatas I kepada Para Pemegang Saham dalam Rangka Penerbitan Hak Memesan Efek Terlebih Dahulu sebanyak 125.304.750 Saham Execution of 1st Rights Issue to Stakeholders in the Context of Rights Issue of 125,304,750 Shares

626.523.750 Saham / Share =Rp 156.630.937.500

Melakukan Penawaran Umum Terbatas II kepada Para Pemegang Saham dalam Rangka Penerbitan Hak Memesan Efek Terlebih Dahulu sebanyak 2.935.263.768 Saham Execution of 2nd Rights Issue to Stakeholders in the Context of Pre-emptive Rights of 2,935,263,768 Shares

3.561.787.518 Saham / Share =Rp 890.446.879.500

Rights Issue II (Januari 2011) Rights Issue II

2014

2013

Harga Tertinggi (Rp)

450

720

Highest Price (Rp)

Harga Terendah (Rp)

350

350

Lowest Price (Rp)

Harga Penutupan (Rp)

410

450

Closing Price (Rp)

Volume Saham (Juta Lembar)

1,55

1,77

Stock Volume (Million Sheets)

Nilai Transaksi (Rp Miliar)

0,06

1,11

Value of Transaction (Rp Billion)

Frekuensi Transaksi (Kali)

100

44

Harga Saham per Triwulan Quarterly Stock Price

2014

Rights Issue III (Juni 2013) Rights Issue III

Melakukan Penawaran Umum Terbatas III kepada Para Pemegang Saham dalam Rangka Penerbitan Hak memesan efek Terlebih Dahulu sebanyak 2.596.543.000 Saham Execution of 3rd Rights Issue to Stakeholders in the Context of Pre-emptive Rights of 2,596,543,000 Shares

6.158.330.518 Saham / Share =Rp 1.539.582.629.500

Rights Issue IV (Juni 2014) Rights Issue IV

Melakukan Penawaran Umum Terbatas IV kepada Para Pemegang Saham dalam Rangka Penerbitan Hak memesan efek Terlebih Dahulu sebanyak 2.598.815.479 Saham Execution of 4th Rights Issue to Stakeholders in the Context of Pre-emptive Rights of 2,598,815,479 Shares

8.757.145.997 Saham / Share =Rp 2.189.286.499.250

Frequency of Transaction (x)

2013

Tertinggi Highest

Terendah Lowest

Tertinggi Highest

Terendah Lowest

Triwulan I

450

350

710

680

1st Quarter

Triwulan II

420

355

720

415

2nd Quarter

Triwulan III

443

360

455

400

3rd Quarter

Triwulan IV

410

360

450

350

4th Quarter

* Komposisi dan Struktur Kepemilikan Saham terlampir Shareholders Composition and Structure attached

14

15

Company Profile


Penghargaan

Apresiasi

Awards

Token of Appreciations

Anugerah Perbankan Indonesia 2012

Most Engaged New Partnership 2013

Peringkat 1, kategori “The Best Bank in Marketing” untuk Bank Umum Aset Rp 1-10 triliun.

Apresiasi diberikan tahun 2014 atas kolaborasi kemitraan PT Bank QNB Kesawan Tbk dan PT AIA Financial.

1st Rank, category of “The Best Bank in Marketing” for Commercial Bank with assets from Rp 1-10 trillion.

Awarded in year 2014 for PT Bank QNB Kesawan Tbk in collaborations with PT AIA Financial.

Anugerah Perbankan Indonesia 2012 Peringkat 3, kategori “The Best Bank in Good Corporate Governance” Bank Umum Aset >Rp 1-10 triliun. 3 rank, category of “The Best Bank in Good Corporate Governance” for Commercial Bank with Assets from >Rp 1-10 trillion. rd

Bank QNB Indonesia through the use of IT Operational Development system Apresiasi kemitraan yang diberikan oleh Lintasarta tanggal 10 Desember 2014 dalam Seminar Indonesia ICT Outlook 2015. Awarded partnership by Lintasarta dated 10 December 2014 during Seminar of Indonesia ICT Outlook 2015.

Indonesian Improvement Awards “The Best Improvement Bank of The Year” “The Best Improvement Bank of The Year”

Certified Banking Insurance & Finance Indonesia Winner 2013 “The Best Banking And Service Excellent of The Year” “The Best Banking And Service Excellent of The Year”

The 8th Global Telecoms Business Innovation Awards 2014 Kategori “Consumer Service Innovation” melalui proyek bersama QNBK & Indosat “Dompetku Mobile Money Service” “Consumer Service Innovation” category in which QNB Indonesia collaborates with Indosat for “Dompetku Mobile Money Service”

16

17

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QN Gl an B

Se QN ki B las a


Company Profile

Pemegang Saham Pengendali Controlling Shareholder

Negara Country of Incorporation

Tahun Penggabungan Year of Incorporation

Kepemilikan % Ownership %

Luxemburg

2004

100%

CSI QNB Property

France

2008

100%

QNB Capital LLC

Qatar

2008

100%

Switzerland

2009

100%

Syria

2009

50.8%

Cayman Islands

2010

100%

Qatar

2011

100%

Indonesia

2011

82.59%

Iraq

2012

50.8%

QNB Tunisia

Tunisia

2013

99.96%

QNB Al AHLI

Egypt

2013

97.1%

QNB India Private Limited

India

2013

100%

Subsidiary Name of Subsidiary

QATAR NATIONAL BANK

QNB International Holdings Limited

QNB Banque Privée S.A. QNB - Syria QNB Finance Ltd. QNB Financial Services SPC QNB Indonesia

20

Al-Mansour Investment Bank

Qatar National Bank SAQ didirikan pada tahun 1964 sebagai Bank Komersial Qatar pertama dengan kepemilikan saham 50% oleh Qatar Investment Authority dan 50% dimiliki oleh masyarakat.

Qatar National Bank SAQ (“QNB”) was established in 1964 as the first Qatari owned commercial bank, with an ownership structure shared between the Qatar Investment Authority (50%) and the private sector (50%).

QNB Grup, salah satu Bank Terkuat Dunia, tumbuh dengan stabil menjadi bank terbesar di Timur tengah dan Afrika Utara dan salah satu insititusi financial yang terkemuka dengan pangsa pasar melebihi 45% dari aset perbankan.

QNB Group, one of The World's Strongest Bank, has steadily grown to be the largest bank in the MENA Region and is by far the leading financial institution in the country with a market share exceeding 45% of banking sector assets.

Kini QNB telah beroperasi di lebih dari 26 negara dan 3 benua di seluruh dunia seperti Algeria, Mesir, Libya, Mauritania, Sudan, Tunisia, Inggris, Perancis, Yaman, Luxemburg, Oman, Kuwait, Singapura, Tiongkok dan India.

Now QNB has operated in more than 26 countries and 3 continents around the world such as Algeria, Egypt, Libya, Mauritania, Sudan, Tunisia, United Kingdom, France, Yemen, Luxemburg, Oman, Kuwait, Singapore, China and India.

QNB baru-baru ini dianugerahi peringkat sebagai “Bank terbaik di Timur Tengah” oleh majalah Euromoney dan terpilih sebagai “Salah Satu dari 50 Bank Teraman di Dunia” oleh majalah Global Finance di tahun 2013.

QNB was recently recognized as “The Best Bank in The Middle East” by Euromoney Magazine and was voted “One of the Top 50 Safest Banks in the World” by Global Finance Magazine in 2013.

Africa

Asia

Europe

GCC

Middle East

Exclusive Services

Mauritania Egypt (NSGB)** South Sudan (Juba) Sudan Tunisia (TQB)** Libya

China Indonesia** India Singapore

France Switzerland United Kingdom

Qatar Kuwait Oman UAE (CBI)**

Iran* Iraq (Mansour Bank)** Jordan (HBTF Bank)** Lebanon Syria Yemen

QNB Capital QNB Financial Services QNB First QNB Private

Susunan permodalan dan pemegang saham QNB per tanggal 31 Desember 2014 Shareholder structure as per 31 December 2014 Pemegang Saham Shareholders

Jumlah Saham (lembar) Number of Shares (Shares)

Persentase Percentage

Pemerintah Qatar q.q Qatar Holding LLC Qatar Government q.q Qatar Holding LLC

349,864,719

50%

Publik Public

349,864,719

50%

Jumlah Modal Ditempatkan dan Disetor Penuh Total Issued and Fully Paid

699,729,438

100%

21


Company Profile

Penghargaan Awards

• Bank of the Year in Qatar: 2005, 2007-2010 • Deal of the Year: 2011 • Best Bank in Qatar: 1997-2004, 2007, 2009-2012 • Best Local Private Bank in Qatar: 2007 • Best Debt House: 2005 • Best Bank in Qatar: 1999-2004, 2006-2009 • Best Foreign Exchange Bank and Provider: 2004, 2006, 2007, 2009 • Best Trade Finance Provider in Qatar: 2006, 2009 • Best Treasury and Cash Management Bank and Provider: 2005 • Best e-bank in Qatar: 2007 • Best Internet Bank Award: 2007 • World’s Best Internet Bank: 2006 • • • •

Best Bank in the Middle East: 2012 Best Bank in Qatar: 2012 Best Corporate Bank in Qatar: 2004 Best Retail Bank in Qatar: 2004

• Elite JPMorgan Quality Recognition Award: 2004, 2005, 2007, 2010 • JPMorgan Bank Quality Award for Operational Performance: 1999-2004 • Best Asset Manager in Qatar: 2013 • Best Broker in Qatar: 2013 • Ship Finance Award: 2010 • Best Local Investment Bank in Qatar: 2010 • Best Asset Manager in Qatar: 2010 • Best IPO in the Middle East: 2009 • QNB’s Business Continuity Management (BCM) System awarded the ISO 22301:201 • First Bank in Qatar to achieve the ISO 27001:2005 certification in Information Security for Datacenter Operations • QNB’s E-Business Applications awarded the ISO 27001:2005 Information Security certification

• The World’s Strongest Bank

22

“Elite J.P. Morgan Quality Recognition Award”, 2010 Qatar National Bank (QNB), lembaga keuangan terkemuka di Qatar dan salah satu yang terbesar di kawasan Timur Tengah dan Afrika Utara, meraih penghargaan prestisius J.P. Morgan Quality Recognition Award atas keberhasilan mencapai 99% untuk Straight Through Processing (STP) untuk sektor Komersial maupun Treasury.

Qatar National Bank (QNB) as the leading financial institution in the Middle East and North Africa Region received a prestigious J.P Morgan Quality Recognition Award for its 99% achievement in STP (Straight Through Processing in commercial and treasury business unit.

“Best IPO in the Middle East”, 2010 Melalui anak usahanya di bidang investment banking dan financial advisory, QNB Capital, menerima penghargaan “Best IPO in the Middle East” dari majalah Emea Finance yang diselenggarakan di London.

The Group’s subsidiary, QNB Capital, which specializing in investment banking and financial advisory was awarded “Best IPO in the Middle East’ from Emea Finance Magazine at their award ceremony in London.

“QNB – The First Qatar Bank that received ISO 27001:2005 Standard Disaster Recovery Operations”, 2010 Bureau Veritas memberikan sertifikasi khusus standard ISO untuk QNB ISO 27001: 2005 setelah melalui audit kepatuhan yang mendetil sesuai spesifikasi.

Having gone through a detailed and specified compliance audit, Bureau Veritas issued a special standard ISO certification for QNB ISO 27001:2005.

“Middle East’s Bank of The Year”, 2012 The Banker, publikasi yang juga dimiliki Financial Times, memberikan Qatar National Bank (QNB) sebagai “Middle East’s Bank of The Year” tahun 2012.

The Banker, owned by Financial Times, rated Qatar National Bank ( QNB ) as the “Middle East’s Bank of The Year” in 2012.

“The World’s Strongest Bank”, 2013 Bloomberg, penyedia Bisnis terkemuka, berita keuangan dan ekonomi telah memberikan peringkat untuk QNB sebagai Bank Terkuat di Dunia di tahun 2012. 78 bank dalam daftar peringkat Bloomberg sudah termasuk beberapa lembaga keuangan terbesar dan paling terkemuka di dunia, QNB menjadi satu-satunya bank dari kawasan MENA.

Bloombergs markets, the leading provider of Business, financial and economic news has ranked QNB as the World’s Strongest Bank in its 2012 ranking. The 78 banks in Bloomberg’s ranking list included some of the largest and most renowned financial institutions in the world, with QNB being the only bank from the MENA Region.

Pada tahun 2014, QNB telah mengakuisisi saham Ecobank Transnational in Corporated (Ecobank sebesar 22,5% dengan total cabang sebanyak 1.241 cabang, 3.500 ATM dan 16.245 POS dan telah melayani lebih dari 10,8 juta nasabah.

In 2014, QNB has acquired 22.5% Ecobank Transnational Incorporated (Ecobank) shares with a total of 1,241 branches, 3.500 ATMs and 16.245 POS and has served more than 10.8 million customers.

23


Company Profile

Peringkat

Jaringan Internasional QNB Group

QNB memiliki rating dari Moody’s, Standard and Poor’s, Capital Intelligence, dan Fitch sebagai berikut: QNB Ratings – Moody’s, S&P, Capital Intelligence & Fitch as follow:

Cabang Internasional dan Kantor Perwakilan QNB Group QNB Group International Branches and Representative Offices

Rating

QNB Group International Network

Rating oleh Capital Intelligence Capital Intelligence Rating Foreign Currency Long-Term

Short-Term

AA-

A1+

Financial Strength

Support Rating

Outlook

AA-

1

Stable

Rating oleh Moody’s Moody’s Rating Bank Deposits Long-Term

Short-Term

Aa3

P-1

Financial Strength

Outlook

C-

Stable

Rating oleh Standard and Poor’s Standard & Poor’s Rating Bank Credit and Deposits Long-Term

Short-Term

A+

A-1

Outlook

China Room 930, 9th Floor Shanghai World Financial Center 100 Century Avenue, Pudong New Area Shanghai – China Tel: +86 21 6877 8980 Fax: +86 21 6877 8981

Oman QNB Building, MBD Area - Matarah Opposite to Central Bank of Oman P.O. Box: 4050, Postal Code: 112, Ruwi – Oman Tel: +968 24 783 555 Fax: +968 24 779 233 [email protected].

France 65 Avenue d’lena 75116 Paris – France Tel: +33 1 5323 0077 Fax: +33 1 5323 0070 [email protected]

Singapore Three Temasek Avenue, #27-01 Centennial Tower Singapore 039190 – Singapore Tel: +65 6499 0866 Fax: +65 6884 9679 [email protected]

Iran Representative Office 6th Floor Navak Building Unit 14 Africa Tehran – Iran Tel: +98 21 8888 9814 Fax: +98 21 8888 9824 [email protected]

South Sudan Juba, P.O. Box: 587 – South Sudan [email protected]

Kuwait Al-Arabia Tower, Ahmad Al-Jaber Street, Sharq Area P.O. Box: 583, Dasman 15456 – Kuwait Tel: +965 2226 7000 / 7023 Fax: +965 2226 7031 [email protected]

Stable

Rating oleh Fitch Fitch Rating Long-Term

Short-Term

Support

Viability

Outlook

A+

F1

1

a

Stable

Lebanon Ahmad Shawki Street, Capital Plaza Building Mina El Hosn, Solidere, Beirut – Lebanon Tel: +961 1 762 222 Fax: +965 1 377 177 [email protected] Mauritania Al-Khaima City Center - 10 Rue Mamadou Konate – Mauritania Tel: +222 4524 9651 Fax: +222 4524 9655 [email protected]

24

Sudan QNB Building Africa Road - Amarat Street No. 9 P.O. Box: 8134 – Sudan Tel: +249 183 48 0000 Fax: +249 183 48 6666 [email protected] United Kingdom 51Grosvenor Street London W1K 3HH – United Kingdom Tel: +44 207 647 2600 Fax: +44 207 647 2647 [email protected] Yemen QNB Building, Alzubairi Street P.O. Box: 4310 Sana’a – Yemen Tel: +967 1 517 517 Fax: +967 1 517 666 [email protected]

25

Company Profile

Anak Perusahaan dan Perusahaan Asosiasi QNB QNB Subsidiaries and Associate Companies

Algeria The Housing Bank for Trade and Finance (HBTF) Tel: +213 2191 881/2 Fax: +213 2191 8878 Bahrain The Housing Bank for Trade and Finance (HBTF) Tel: +973 1722 5227 Fax: +973 1722 7225 Egypt QNB ALAHLI, Dar Champollion 5 Champollion, St. Downtown 2664, Cairo – Eygpt Tel: +202 2770 7000 Fax: +202 2770 7099 [email protected] India QNB India Private Limited, 802 TCG Financial Centre Bandra Kurla Complex, Bandra East Mumbai 400 051 – India Tel: +91 22 2652 5613 Indonesia QNB Indonesia – Subsidiary QNB Tower, 18 Parc SCBD Jl. Jendral Sudirman Kav. 52-53 Jakarta 12190 – Indonesia Tel: +62 21 515 5155 Fax : +62 21 515 5388 qnb.co.id Iraq Mansour Bank – Associate Company P.O. Box: 3162, Al Alawiya Post Office Al Wihda Quarter Street Baghdad – Iraq Tel: +964 1 717 5568 Fax: +964 1 717 5518 Jordan The Housing Bank for Trade and Finance (HBTF) Associate Company, P.O. Box: 7693 Postal Code 11118 Amman – Jordan Tel: +962 6 520 0400 Fax: +962 6 567 8121

26

Libya Bank of Commerce and Development BCD Tower - Gamol A Nasse Street P.O. Box: 9045, Al Berka, Benghazi – Libya Tel: +218 619 080 230 Fax: +218 619 097 115 bcd.ly Palestine The Housing Bank for Trade and Finance (HBTF) Tel: +970 2 298 6270 Fax: +970 2 298 6275 Qatar Al Jazeera Finance Company – Associate Company P.O. Box: 22310 Doha – Qatar Tel: +974 4468 2812 Fax: +974 4468 2616 Switzerland QNB Banque Privée – Subsidiary 3 Rue des Alpes, P.O. Box: 1785 1211 Genève-1 Mont Blanc – Switzerland Tel: +41 22907 7070 Fax: +41 22907 7071 Syria QNB Syria – Subsidiary, Baghdad Street P.O. Box: 33000 Damascus – Syria Tel: +963 11 2290 1000 Fax: +963 11 443 2221 Tunisia Tunis Qatari Bank – Associate Company Rue de la cité des sciences B.P. 320 - 1080 Tunis Cedex Tel: +216 7171 3555 Fax: +216 7171 3111 tqb.com.tn UAE Commercial Bank International p.s.c Associate Company, P.O. Box: 4449, Dubai Al Riqq Street, Deira – UEA Tel: +971 04 212 600 Fax: +971 04 227 9038

Ikhtisar Keuangan QNB Indonesia QNB Indonesia Financial Highlights

Ikhtisar Keuangan

1

Financial Highlights

PT Bank QNB Indonesia Tbk LAPORAN POSISI KEUANGAN KONSOLIDASIAN per 31 Desember 2014 CONSOLIDATED STATEMENT OF FINANCIAL POSITION as at 31 December 2014

Laporan Posisi Keuangan Income Statement

Dalam Juta Rupiah Aset Kas

Giro pada Bank Indonesia

Giro pada Bank-Bank Lain

Penempatan pada Bank Indonesia dan Bank-Bank Lain Tagihan Derivatif

Tagihan Akseptasi

Efek-Efek yang Dibeli dengan Janji Dijual Kembali

Kredit yang Diberikan – Neto Efek-efek

Beban Dibayar Dimuka

Aset Pajak Tangguhan – Neto Aset Tetap

Aset Tak Berwujud

Aset Lain-lain – Neto Jumlah Aset Liabilitas

Liabilitas Segera

Simpanan dari Nasabah

Simpanan dari Bank-bank Lain Liabilitas Derivatif

Liabilitas Akseptasi

Liabilitas Pajak Kini

Liabilitas Imbalan Pasca Kerja Beban Masih Harus Dibayar dan Liabilitas Lain-lain Liabilitas Pajak Tangguhan Jumlah Liabilitas Ekuitas

Modal Saham

Tambahan Modal Disetor – Neto Cadangan Nilai Wajar Saldo Laba (Defisit)

Laba telah ditentukan penggunaannya Laba (Rugi) Belum Ditentukan penggunaannya

Jumlah Ekuitas

Total Liabilitas dan Ekuitas

2014

2013

52.653

56.633

2012

In Million Rupiah Assets

1.425.155

43.324

818.168 19.038

43.671

292.689 98.564

Cash Current Accounts with Bank Indonesia Current Accounts with Other Banks

3.324.797

1.242.652

469.495

Placements with Bank Indonesia and Other Banks

849

3.600

2.639

Derivatives Receivables

268.324

73.881

-

Reverse Repo Receivables

15.093.659

8.197.682

3.168.908

Loans Receivable – Net

57.114

43.881

39.897

Prepayments

60.744

232.642 -

114.631

-

367.681 8.135

111.225

-

365.827

Acceptance Receivables

Securities

9.865

Deferred Tax Assets – Net

20.817

Intangible Assets

118.302

Fixed Assets

42.370

34.192

20.839.018

11.047.615

4.644.654

Total Assets

252.785

178.304

68.083

Liabilities Payable on Demand

36.356

Deposits from Other Banks

122.756

70.847

13.980

Other Assets – Net

Liabilities 16.161.710 1.863.330

7.244.934 1.853.000

1.371

141.678

20.402

-

60.744

-

3.633.084

Deposits from Customers

2.534

Derivatives Liabilities

-

Current Tax Liabilities

-

Acceptance Liabilities

42.688

28.026

17.795

Obligation for Post-Employment Benefits

142.731

88.645

23.734

Accruals and Other Liabilities

12.333

-

-

Deferred Tax Liabilities

18.558.094

9.534.587

3.781.586

Total Liabilities

2.189.287

1.539.583

890.477

Share Capital

Equity (24.570)

(58)

(21.983) -

(19.458) 8

Additional Paid-in Capital - Net Fair Value Reserve Retained Earnings (Deficit)

4.396

111.869 2.280.924

20.839.018

4.396

(8.968) 1.513.028

11.047.615

4.396

(12.325) 863.068

4.644.654

Appropriated Earnings Unappropriated Earnings (Loss) Total Equity Total Liabilities and Equity

2

Laporan Posisi Keuangan Income Statement Dalam Juta Rupiah

Pendapatan dan Beban Operasional Pendapatan Bunga Beban Bunga

Pendapatan Bunga – Neto Pendapatan Operasional Lainnya Provisi dan Komisi

Keuntungan Transaksi Mata Uang Asing – Neto

Laba Penjualan Efek-efek

Pemulihan Kerugian Penurunan Nilai Aset Keuangan - Neto Lain-lain

Total Pendapatan Operasional Lainnya Beban Operasional Lainnya Beban Karyawan

Beban Umum dan Administrasi

Penambahan Kerugian Penurunan Nilai Aset Keuangan – Neto Lain-lain

Total Beban Operasional Lainnya Laba (Rugi) Operasional Neto Pendapatan (Beban) Non Operasional – Neto

Laba Penjualan Aset Tetap – Neto Keuntungan Transaksi Mata uang Asing – Neto Lain-lain

Laba (Rugi) sebelum Pajak Penghasilan (Beban) Manfaat Pajak Penghasilan Laba (Rugi) Neto Tahun Berjalan

Beban Komprehensif Lain Setelah Pajak

2014

Pajak Penghasilan Terkait dengan Pendapatan Komprehensif Lainnya

Beban Komprehensif Lain Setelah Pajak Jumlah Laba (Rugi) Komprehensif Tahun Berjalan

2012

In Million Rupiah Operating Income and Expense

1.221.121 (814.499)

406.622

506.437

(275.492) 230.945

336.359

Interest Income

172.509

Net Interest Income

(163.850)

Interest Expenses

Other Operating Income 174.801 29.971 4.661

209.433

95.023 46.482 -

3.773 10.592

155.870

4.129 1.606 18.185 4.304

12.562

40.786

Provision and Commission Gain on Foreign Exchange Transactions – Net Gain From Sale of Securities Recoveries of Impairment Losses on Financial Assets – Net Others Total Other Operating Income Operating Expenses

(293.520) (149.612)

(246.525) (138.668)

(1.626)

-

(12.296)

(7.085)

(457.054) 159.001

(392.278) (5.463)

(161.441)

(93.139)

Personnel Expenses General and Administrative Expenses

-

Addition of Impairment Losses on Financial Assets – Net

(2.200)

Others

(256.780) (43.485)

Total Other Operating Expense Net OperatingIncome (Loss) Non Operating Income (Expenses) – Net

55

2.735

120

4.835 4.652 1.063

2.910

10.550

(41.074)

(1.730)

161.911 120.837

5.087 3.357

-

Gain on Sale of Fixed Assets – Net

9.582

Gain on Foreign Exchange Transactions – Net

(521)

Others

(34.424)

Income (Loss) Before Income Tax

9.061 4.925

(29.499)

Income Tax Benefit (Expenses) Net Income (Loss) for the Year Other Comprehensive Income Expense Net of Tax

Cadangan Nilai Wajar (Aset Keuangan Tersedia Untuk Dijual) Perubahan Nilai Wajar

2013

Fair Value Reserve (Available-for-Sale Financial Assets) (77)

19

(58)

120.779

(10) 2

(8)

3.349

(9)

Changes in Fair Value

3

Income Tax Relating to Component of Other Comprehensive Income

(6)

Other Comprehensive Expense Net of Tax

(29.505)

Total Comprehensive Income (Loss) for the Year

Ikhtisar Saham

3

Stocks Highlights

Komposisi Pemegang Saham Shareholders Composition

9,81% 7,6%

82,59%

Struktur Kepemilikan Saham Shareholder Structure

Pemegang Saham Shareholders

2012 %

Desember 2014 December, 2014

2013 Rp

%

Rp

%

Rp

82,59

1.808.172.936.500

Qatar National Bank

69,59

619.682.008.000

69,59

1.071.430.191.750

PT Bosowa Kapital (d/h PT Adhi Tirta Mustika)

20,44

182.040.630.500

20,11

309.692.653.750

7,6

166.429.439.000

Masyarakat / Public

9,97

88.724.241.000

10,30

158.459.784.000

9,81

214.684.123.750

100,00

890.446.879.500

100,00

1.539.582.629.500

Jumlah / Total

100,00

2.189.286.499.250

Ikhtisar Keuangan QNB QNB Financial Highlights

Ikhtisar Keuangan

1

Financial Highlights

Qatar National Bank S.A.Q. LAPORAN POSISI KEUANGAN KONSOLIDASIAN per 31 Desember 2014 CONSOLIDATED STATEMENT OF FINANCIAL POSITION as at 31 December 2014 Dalam Ribuan Riyal Qatar Aset

Kas dan Saldo pada Bank Sentral Tagihan dari Bank

31 Dec 14

31 Dec 13

In Thousand Riyal Qatar *)

30.754.168

22.909.453

Cash and Balances with Central Banks

Assets 29.955.019

13.602.258

Due from Banks

338.129.995

310.712.046

Loans and Advances to Customers

67.695.913

78.302.635

Investment Securities

Investasi pada Entitas Asosiasi

7.963.437

5.840.008

Investments in Associates

Aset Tetap

1.779.344

1.390.966

Property and Equipment

Aset Tidak Berwujud

5.461.265

5.549.805

Intangible Assets

Aset Lainnya

4.617.535

5.178.937

Other Assets

Jumlah Aset

486.356.676

443.486.108

Total Assets

22.113.705

11.568.043

Due to Banks

Kredit dan Uang Muka yang diberikan kepada Nasabah Investasi Efek-Efek

Liabilities Tagihan kepada Bank Simpanan Nasabah

Liabilities 360.337.979

335.539.171

Customer Deposits

Surat Utang

21.779.361

21.754.224

Debt Securities

Pinjaman Lainnya

12.524.373

12.408.154

Other Borrowings

Liabilitas Lainnya

11.639.332

8.489.232

Other Liabilities

Jumlah Liabilitas

428.394.750

389.758.824

Total Liabilities

6.997.294

6.997.294

Issued Capital

Cadangan Wajib

23.086.902

23.086.902

Legal Reserve

Cadangan Risiko

3.500.000

2.750.000

Risk Reserve

573.808

1.401.954

Fair Value Reserve

(1.329.797)

(957.107)

Foreign Currency Translation Reserve

Ekuitas Modal Ditempatkan

Cadangan Nilai Wajar Cadangan Penjabaran Mata Uang Asing Cadangan Lainnya

Equity

1.706.123

1.719.114

Other Reserves

Saldo Laba

22.448.494

17.830.304

Retained Earnings

Jumlah Ekuitas yang dapat Diatribusikan kepada Pemilik Bank

56.982.824

52.828.461

Total Equity Attributable to Equity Holders of the Bank

979.102

898.823

Non-Controlling Interest

57.961.926

53.727.284

Total Equity

Kepentingan Non-Pengendali Jumlah Ekuitas

Jumlah Liabilitas dan Ekuitas

486.356.676

443.486.108

*) Exchange rate: • 1 USD = Rp 12.385 (31/12/2014) • 1 USD = Rp 12.170 (31/12/2013)

Total Liabilities and Equity

2

Qatar National Bank S.A.Q. LAPORAN LABA RUGI KONSOLIDASIAN untuk tahun yang berakhir pada 31 Desember 2014 CONSOLIDATED INCOME STATEMENT for the year ended 31 December 2014 Dalam Ribuan Riyal Qatar

31 Dec 14

31 Dec 13

In Thousand Riyal Qatar *)

Pendapatan Bunga

18.666.333

16.770.879

Interest Income

Beban Bunga

(6.404.346)

(5.211.139)

Interest Expense

Pendapatan Bunga Bersih

12.261.987

11.559.740

Net Interest Income

2.326.643

2.096.103

Fee and Commission Income

Pendapatan Provisi dan Komisi Beban Provisi dan Komisi

(211.787)

(167.801)

Fee and Commission Expense

Pendapatan Bersih Provisi dan Komisi

2.114.856

1.928.302

Net Fee and Commission Income

814.952

761.623

Foreign Exchange Gain

96.522

183.728

Income from Investment Securities

Laba Valuta Asing Pendapatan dari Investasi Efek-Efek Pendapatan Usaha Lainnya

126.532

13.918

Other Operating Income

Pendapatan Usaha

15.414.849

14.447.311

Operating Income

Beban Staf

(1.880.095)

(1.670.590)

Staff Expenses

(252.517)

(255.362)

Depreciation

(1.144.403)

(1.072.394)

Other Expenses

(89.951)

(61.892)

Net Impairment Losses on Investment Securities

(1.109.301)

(1.515.912)

Net Impairment Losses on Loans and Advances to Customers

Amortisasi Aset Tak Berwujud

(78.505)

(76.207)

Amortisation of Intangible Assets

Penyisihan Lainnya

(50.415)

(65.510)

Other Provisions

(4.605.187)

(4.717.867)

373.053

269.848

Share of Results of Associates

11.182.715

9.999.292

Profit Before Income Taxes

(665.077)

(462.032)

Income Tax Expense

10.517.638

9.537.260

Profit for the Year

10.454.701

9.478.637

Equity Holders of the Bank

Penyusutan Beban Lainnya Kerugian Penurunan Nilai Bersih pada Investasi Efek-Efek Kerugian Penurunan Nilai Bersih terhadap Kredit dan Uang Muka yang Diberikan pada Nasabah

Bagian atas Hasil Bersih Entitas Asosiasi Laba Sebelum Pajak Penghasilan Beban Pajak Penghasilan Laba Tahun Berjalan Dapat Diatribusikan kepada: Pemilik Bank Kepentingan Non-Pengendali Laba Tahun Berjalan Laba Per Saham Dasar Terdilusi (QR)

Attributable to: 62.937

58.623

Non - Controlling Interests

10.517.638

9.537.260

Profit for the Year

14,9

13,5

Basic and Diluted Earnings Per Share (QR)


3

Qatar National Bank S.A.Q. LAPORAN ARUS KAS KONSOLIDASIAN untuk tahun yang berakhir pada 31 Desember 2014 CONSOLIDATED STATEMENT OF CASH FLOWS for the year ended 31 December 2014 Dalam Ribuan Riyal Qatar

31 Dec 14

Laba Tahun Berjalan sebelum Pajak Pendapatan

11.182.715

9.999.292

Profit for the Year Before Income Taxes

(18.666.333)

(16.770.879)

Adjustments for:

6.404.346

5.211.139

Interest Income

252.517

255.362

Interest Expense

Arus Kas dari Aktivitas Operasi

Disesuaikan terhadap: Pendapatan Bunga Beban Bunga Penyusutan

31 Dec 13

In Thousand Riyal Qatar *) Cash Flows from Operating Activities

1.109.301

1.515.912

Depreciation

Kerugian Penurunan Nilai Bersih terhadap Kredit dan Uang Muka

89.951

61.892

Net Impairment Losses on Loans and Advances

Kerugian Penurunan Nilai Bersih terhadap Investasi Efek-Efek

12.940

30.584

Net Impairment Losses on Investment Securities

Penyisihan Lain

(84.145)

(75.737)

Other Provisions

Laba Dividen

(75.822)

-

Dividend Income

Pendapatan Bersih dari Penjualan Aset Tetap

(12.377)

(107.991)

Net Gain on Sale of Property and Equipment

78.505

76.207

Net Gain on Sale of Available-for-Sale Investment Securities

Pendapatan Bersih dari Penjualan Efek-Efek dalam Kategori Tersedia untuk Dijual Amortisasi Aset Tak Berwujud Amortisasi Bersih Premium atau Diskonto dalam Investasi Keuangan Bagian atas Hasil Bersih Entitas Asosiasi – Neto

(25.906)

(96.487)

Amortisation of Intangible Assets

(231.418)

(150.810)

Net Amortisation of Premium or Discount on Financial Investments

34.274

(51.516)

Net Share of Results of Associates

Perubahan dalam: Tagihan dari Bank

Changes in: (1.859.629)

(6.646.294)

Due from Banks

(28.527.250)

(40.192.238)

Loans and Advances to Customers

(43.723)

(775.826)

Other Assets

Tagihan kepada Bank

10.545.662

(11.608.356)

Due to Banks

Simpanan Nasabah

24.798.808

32.901.823

Customer Deposits

Kredit dan Uang Muka yang Diberikan kepada Nasabah Aset Lainnya

Liabilitas Lainnya

1.543.275

188.415

Other Liabilities

Kas yang Digunakan untuk Kegiatan Operasi

6.491.417

(26.183.992)

Cash Used in Operations

Bunga yang Diperoleh

18.439.829

16.045.288

Interest Received

Bunga yang Dibayar

(5.724.205)

(5.659.368)

Interest Paid

84.145

75.737

Dividends Received

(524.930)

(214.692)

Income Tax Paid

Dividen yang Diperoleh Pajak Penghasilan yang Dibayar Penyisihan Lainnya yang Dibayar Kas Bersih dari / (digunakan untuk) Aktivitas Operasional

(3.414)

(2.390)

Other Provisions Paid

18.762.842

(15.939.417)

Net Cash from / (used in) Operating Activities


4

Dalam Ribuan Riyal Qatar

Arus Kas dari Aktivitas Investasi Akuisisi atas Sekuritas

31 Dec 14

31 Dec 13

In Thousand Riyal Qatar *) Cash Flows from Investing Activities

(32.053.642)

(33.963.109)

Acquisition of Investment Securities

Hasil Penjualan / Pelunasan atas Efek-Efek

42.314.443

17.713.698

Proceeds from Sale / Redemption of Investment Securities

Investasi pada Entitas Asosiasi

(2.101.929)

(103)

Investments in Associates

-

(4.718.558)

Acquisition of Subsidiary, Net of Cash Acquired

(691.901)

(272.449)

Acquisition of Property and Equipment

83.212

32.098

Proceeds from Sale of Property and Equipment

7.550.183

(21.208.423)

Net Cash from / (used in) Investing Activities

Akuisisi Anak Perusahaan – Kas Bersih yang Diperoleh Akuisisi atas Aset Tetap Hasil dari Penjualan Aset Tetap Kas Bersih dari / (digunakan untuk) Aktivitas Investasi Arus Kas dari Aktivitas Pendanaan Dana dari Penerbitan Surat Utang

Cash Flows from Financing Activities -

9.057.937

Proceeds from Issue of Debt Securities

99.754

5.169.535

Proceeds from Other Borrowings, net

Dividen yang Dibayarkan

(4.887.261)

(4.197.226)

Dividends Paid

Kas Bersih dari Aktivitas Pendanaan

(4.787.507)

10.030.246

Net Cash from Financing Activities

Peningkatan / (Penurunan) Bersih pada Kas dan Setara Kas

21.525.518

(27.117.594)

Net Increase / (Decrease) in Cash and Cash Equivalents

812.329

114.351

Effect of Exchange Rate Fluctuations on Cash Held

Kas dan Setara Kas pada 1 Januari

21.093.480

48.096.723

Cash and Cash Equivalents at 1 January

Kas dan Setara Kas pada 1 Desember

43.431.327

21.093.480

Cash and Cash Equivalents at 31 December

Dana dari Pinjaman Lainnya – Neto

Pengaruh Fluktuasi Nilai Tukar terhadap Kas


Qatar National Bank S.A.Q. LAPORAN LABA RUGI KOMPREHENSIF KONSOLIDASIAN untuk tahun yang berakhir pada 31 Desember 2014 CONSOLIDATED STATEMENT OF COMPREHENSIVE INCOME for the year ended 31 December 2014 Dalam Ribuan Riyal Qatar Laba Tahun Berjalan

31 Dec 14 10.517.638

31 Dec 13

9.537.260

Pendapatan komprehensif lainnya yang direklasifikasi dalam laporan laba rugi pada periode selanjutnya: Selisih atas Penjabaran Mata Uang Asing dalam Kegiatan Usaha Luar Negeri

In Thousand Riyal Qatar *) Profit for the Year Other comprehensive income to be reclassified to income statement in subsequent periods:

(372.690)

(316.644)

Foreign Currency Translation Differences for Foreign Operations

(11.940)

(32.060)

Share of Other Comprehensive Income of Associates

(941.850)

661.272

Effective Portion of Changes in Fair Value of Cash Flow Hedges

Perubahan dalam Nilai Wajar Bersih

126.081

437.270

Net Change in Fair Value

Jumlah Bersih yang Dipindahkan ke dalam Laporan Laba Rugi

(12.377)

(107.991)

Net Amount Transferred to Income Statement

(1.212.776)

641.847

Total Other Comprehensive Income for the Year, net of Income Tax

9.304.862

10.179.107

Total Comprehensive Income for the Year

Bagian Pendapatan Komprehensif Lain atas Entitas Asosiasi Bagian Efektif atas Perubahan dalam Nilai Wajar dalam Lindung Nilai Arus Kas Investasi Efek-Efek yang Tersedia untuk Dijual

Jumlah Pendapatan Komprehensif Lainnya pada Tahun Berjalan, Pajak Penghasilan Bersih

Jumlah Pendapatan Koprehensif pada Tahun Berjalan

Available-for-Sale Investment Securities


Company Profile. PT Bank QNB Indonesia Tbk QNB Tower, 18 Parc SCBD Jl. Jend. Sudirman Kav Jakarta 12190

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