InvestorNewsletter
Half 2008 Results Kinerja Semester I 2008 1 First
www.bii.co.id
Stock Performance Kinerja Saham BII 6 BII
Edisi
21
st
Edition
Sheet Neraca 8 Balance
First Half 2008 Results • Kinerja Semester I 2008 Despite concerns over inflation, higher fuel prices and an economic slowdown, Bank Internasional Indonesia (BII) has produced a solid result for the first half of 2008, featuring excellent loan and deposit growth, and effective cost management, to boost net interest income by 16% and net profit by 9% year on year. BII presents a strong report card at the half year: Full Year Target
Interim Performance
ROE to be greater than 16%
16% achieved, on target
LDR to exceed 80%
85.25% achieved, above target
Loan growth of a minimum of 20%
27% achieved, above target
Low cost funds to attain at least 49% of funds raised
44% achieved
Cost increases contained below the rate of inflation (11%-12%)
9% achieved, better than target
Service quality improved
BII has risen from 13th to 7th in the latest MRI Service Awards
Di tengah keprihatinan mengenai tingkat inflasi, kenaikan harga bahan bakar, dan melemahnya pertumbuhan perekonomian, Bank Internasional Indonesia (BII) membukukan kinerja yang mantap di paruh pertama 2008. Pertumbuhan kredit dan simpanan nasabah, serta upaya efisiensi biaya, telah mendorong pendapatan bunga bersih dan laba bersih meningkat masing-masing sebesar 16% dan 9% (y-o-y). Sampai dengan pertengahan tahun, BII mencatat prestasi yang mengesankan: Target Setahun Penuh
Pencapaian Semester I
ROE > 16%
Tercapai 16%, sesuai target
LDR > 80%
Tercapai 85,25%, di atas target
Pertumbuhan kredit minimum 20%
Tercapai 27%, di atas target
Komposisi dana murah minimum 49% dari total dana pihak ketiga
Tercapai 44%
Pertumbuhan biaya ditekan lebih rendah dari tingkat inflasi (11%-12%)
Tercapai 9%, lebih baik dari target
Peningkatan kualitas pelayanan
Posisi BII naik dari peringkat ke-13 menjadi peringkat ke-7 berdasarkan MRI Service Awards
Financial Highlights • Ikhtisar Keuangan
First Half 2008 Performance Kinerja Semester I 2008 Maintaining the momentum
MEMPERTAHANKAN MOMENTUM
Despite higher fuel prices, a weaker economic outlook, and a series of four increases in benchmark interest rates, as Bank Indonesia continued to address rising inflation, BII has secured impressive rates of growth in the first half of the year. Total loans have expanded by 27% while the Bank continued to improve the quality of its credit portfolio. Maintaining its focus on key business sectors, BII recorded outstanding growth of 40% year on year in SME/Commercial and 52% in Consumer lending to Rp12.7 trillion and Rp10.9 trillion respectively, as the two largest contributors to total lending.
Di tengah kenaikan harga bahan bakar, melemahnya kondisi ekonomi, serta empat kali kenaikan BI Rate dalam upaya BI untuk mengendalikan inflasi, BII berhasil mencatat pertumbuhan yang cukup tinggi pada periode semester pertama tahun 2008. Total kredit tumbuh sebesar 27%, sementara kualitas kredit juga terus membaik. Dengan terus berfokus kepada sektor-sektor bisnis utama, BII membukukan kenaikan 40% untuk kredit UKM/Komersial dan 52% untuk Kredit Konsumer (y-o-y), masing-masing menjadi sebesar Rp12,7 triliun dan Rp10,9 triliun, yang merupakan kontributor terbesar kepada total kredit yang diberikan. Sumber dana murah berupa giro dan tabungan meningkat berturutturut sebesar 25% dan 12%, sementara deposito tumbuh 13%. Giro dan tabungan sebagai sumber dana murah mewakili 44% dari total simpanan nasabah dan ditargetkan mencapai 47% di akhir tahun ini.
Lower cost demand and savings deposits increased by 25% and 12% respectively while fixed deposits were up 13%. Lower cost funding was maintained at 44% of total third party funds raised against a full year target of 47%.
Pendapatan bunga bersih meningkat 16% menjadi Rp1,4 triliun, dan meskipun marjin mengalami tekanan selama kuartal kedua, tingkat spread suku bunga antara kredit dan simpanan nasabah berhasil dipertahankan. Efisiensi biaya dapat dipertahankan sesuai target yang ditetapkan, dengan rasio cost to income sebesar 65,89%, sedikit lebih tinggi dibandingkan 63,18% pada semester pertama 2007.
Net interest income has increased by 16% to Rp1.4 trillion and while margin pressure was evident in the second quarter, loan to deposit spreads have been sustained. Costs are being held within parameters and targets set, while the cost to income ratio was slightly higher at 65.89% from 63.18% in the first half of 2007.
Net Income (Rp billion) (year to date) Laba Bersih (Rp miliar) (kumulatif, tahun berjalan)
Net Interest Income (Rp billion) (year to date) Pendapatan Bunga Bersih (Rp miliar)
(kumulatif, tahun berjalan)
Net Interest Margin (%) NIM (%)
2,526 439
5.89
405 5.06
1,863
5.20
5.73
5.27
317 290
1,404 1,209 198 715
Jun ‘07
Sep ‘07 Dec ‘07 Mar ‘08
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Dec ‘07 Mar ‘08
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Inflation continues to be a challenge, however Bank Indonesia has expressed confidence in its interest rate policy indicating that inflation has peaked. While the rate of GDP growth over the second half is likely to be tempered, the trend of above 6% growth evident over the last 8 quarters is expected to continue. Declining commodity prices and an easing of energy prices, will improve business and consumer sentiment. While export performance is expected to be affected by weaker demand in economies currently impacted by credit issues, Indonesia’s supply side economic policy measures, commitments to further infrastructure spending and the expanding commerce in the cities outside Java from mining, plantations and agriculture, present attractive banking opportunities.
Inflasi masih merupakan tantangan, namun Bank Indonesia optimis dengan kebijakan suku bunga yang ditempuh dimana tingkat inflasi sudah menujukkan puncaknya. Laju pertumbuhan PDB pada paruh kedua tahun ini memang diperkirakan melambat, namun melihat kecenderungan selama 8 kuartal terakhir ini, pertumbuhan diperkirakan dapat dipertahankan di atas 6%. Sentimen pasar di kalangan dunia usaha maupun konsumen membaik seiring turunnya harga bahan komoditas dan energi. Kinerja ekspor diperkirakan akan terpengaruh oleh melemahnya permintaan dari negara-negara yang terkena dampak krisis kredit. Namun demikian, kebijakan makroekonomi yang diambil Pemerintah bersama komitmen belanja negara untuk pembangunan infrastruktur, serta meningkatnya perdagangan di luar Jawa dari aktivitas di sektor pertambangan, perkebunan dan pertanian, tetap memberikan peluang menarik bagi industri perbankan.
BII has ample capacity to capitalize on these current conditions through it expanding network, alongside sustained effort by the National Sales division, the Service Commitment programme and effective credit management. A new branch opened in Pantai Indah Kapuk and two more in Surabaya. Expansion plans for 2008 include a total of 14 new branches due to be opened in the year.
BII mempunyai cukup kemampuan untuk memanfaatkan peluang dari kondisi tersebut di atas seiring realisasi rencana perluasan jaringan kantor cabang di semester kedua tahun 2008, serta didukung oleh upaya-upaya yang konsisten dari divisi National Sales, program Service Commitment, dan pengelolaan kredit yang efektif. Satu kantor cabang baru telah dibuka di Pantai Indah Kapuk, Jakarta, dan dua di Surabaya, sebagai bagian dari rencana perluasan jaringan dengan 14 kantor cabang baru selama tahun 2008.
Consolidated Financial Summary
Ringkasan Data Keuangan Konsolidasi
Million Rupiah, %
June 2008
March 2008
June 2007
Interest revenues
2,807,982
1,411,922
2,793,847
Pendapatan bunga
Interest expenses
1,403,959
696,611
1,584,518
Beban bunga
Net interest income
1,404,023
715,311
1,209,329
206,966
135,247
355,246
Profit from opeartions – net
Pendapatan bunga bersih Pendapatan operasional bersih
Net income
316,501
197,855
289,656
Laba bersih
Total assets
56,843,334
54,708,909
53,561,909
Total aktiva
Loan – gross
35,876,503
34,162,666
28,192,415
Kredit – bruto
Government bonds
7,393,651
7,546,715
10,726,608
Obligasi pemerintah
Marketable securities
2,518,679
3,581,379
5,753,285
Placement with other banks
3,636,090
2,645,736
2,711,298
51,686,690
49,580,842
49,294,858
Total kewajiban
Total liabilities
Surat berharga (termasuk SBI) Penempatan pada bank lain
Savings deposits
6,836,377
6,716,248
6,087,712
Tabungan
Demand deposits
11,546,414
11,279,189
9,233,888
Giro
Time deposits
23,086,873
19,964,244
20,511,838
5,156,644
5,128,067
5,267,051
85.25%
88.88%
77.71%
Total equity Loan to deposits ratio Non-performing loan – gross
3.66%
2.90%
4.01%
Non-performing loan – net
2.49%
2.19%
3.25%
19.35%
20.52%
23.59%
Capital adequacy ratio without market risk
2
Jutaan Rupiah, %
Investor Newsletter
Deposito Total ekuitas LDR NPL – bruto NPL – bersih CAR tanpa risiko pasar
Net Interest Income. An increase of 16% for the first half was based upon higher loan to deposit spreads compared with the same period a year ago, amid some margin pressure as interest rates were increased four times in four successive months. Under these conditions BII has sold Rp1.9 trillion of bonds to lower the bank’s fixed rate exposure going forward. The asset mix has continued to improve with lending to customers contributing over 60% of total interest earnings. Sustained current and savings account growth combined with holding the level of fixed deposit rates at a discount to benchmark SBI rates, has also contributed.
Interest Income Sources
June 2008
Pendapatan Bunga Bersih. Pendapatan bunga bersih meningkat 16% (y-o-y), terutama akibat spread suku bunga kredit dan simpanan yang lebih besar dibandingkan periode yang sama tahun sebelumnya, sementara tingkat marjin mengalami tekanan akibat adanya empat kali kenaikan suku bunga acuan BI dalam jangka waktu empat bulan. Untuk itu, BII telah menjual portofolio obligasi senilai Rp1,9 triliun guna memperkecil risiko ke depan dari obligasi dengan suku bunga tetap. Komposisi aktiva produktif terus membaik, dimana pendapatan bunga dari kredit mencapai 60% dari total pendapatan bunga. Keberhasilan mempertahankan pertumbuhan rekening giro dan tabungan serta menerapkan suku bunga deposito pada tingkat diskonto terhadap SBI juga merupakan faktor yang mendukung.
March 2007
June 2007
Bunga yang Diperoleh
2,190,477
933,711
1,862,417
Government bonds
261,599
226,619
408,596
Obligasi pemerintah
Marketable securities
220,848
185,557
323,170
Efek-efek
Placement with other banks
60,376
66,365
132,771
Penempatan pada bank lain
Sharia
16,640
4,830
10,981
Others
125
499
951
Loans (including consumer financing)
Other Operating Revenues. Lower year on year, other operating revenues represented a mix of higher non credit-related fees, lower foreign exchange earnings and the impact of unwinding short term investments, taking a prudent view of market conditions. Other Operating Expenses. Other operating expenses were well contained at 9% higher year on year, the main elements being an increase in provisions reflecting the overall growth of the loan book and tougher credit criteria and general and administrative expenses, while personnel costs were held to a 6% increase over the same period a year ago.
Interest Income (%) (as of June 30, 2008) Pendapatan Bunga (%) (per 30 Juni 2008)
Kredit (termasuk pembiayaan konsumen)
Syariah Lain-lain
Pendapatan Operasional Lain. Pendapatan operasional lain tercatat menurun (y-o-y), dimana tercatat peningkatan pada pendapatan imbal-jasa dari aktivitas non-kredit yang dikompensasi oleh menurunnya pendapatan selisih kurs valuta asing serta dampak dari penjualan portofolio investasi jangka pendek dalam mengantisipasi kondisi pasar. Beban Operasional Lain. Peningkatan beban operasional lain dapat ditekan hanya sebesar 9% (y-o-y), terutama karena kenaikan beban penyisihan sejalan dengan pertumbuhan kredit dan pengetatan kriteria kredit, kenaikan beban umum dan administrasi, dan kenaikan beban personalia yang dapat ditekan hanya 6% lebih tinggi dari beban personalia pada periode yang sama tahun sebelumnya.
NPL Gross (%) NPL Bruto (%)
Loan (Rp trillion) Kredit (Rp triliun) 33.1
34.2
35.9
30.4
4.35
28.2
3.75
Sharia Syariah 0.6 Placement with Other Banks Penempatan pada Bank Lain 2.2
3.12
2.83 3.00
Marketable Securities Surat-surat Berharga 8.0 Government Bonds Obligasi Pemerintah 9.5 Loans & Consumer Financing Kredit & Pembiayaan Konsumen 79.7
Jun ‘07
Sep ‘07
Dec ‘07 Mar ‘08
Jun ‘08
Jun ‘07
Sep ‘07 Dec ‘07 Mar ‘08
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FINANCIAL POSITION
POSISI KEUANGAN
Assets. Total assets grew 6% to Rp56.8 trillion. The contribution from high yielding loans increased to Rp35.9 trillion while the level of Government bonds has reduced following a number of bond sales to unwind positions and realign assets to higher yielding loans.
Aktiva. Jumlah aktiva tumbuh 6% mencapai Rp56,8 triliun. Kontribusi dari kredit yang diberikan meningkat menjadi Rp35,9 triliun, sementara jumlah obligasi Pemerintah menurun menyusul dijualnya sebagian obligasi dari portofolio BII untuk memperbaiki komposisi dan mengalihkan aktiva kepada kredit yang lebih menguntungkan.
Consumer lending grew 52%, primarily from auto and mortgage activity. SME/Commercial loans increased 40%. A new SME lending initiative, tailored to help small businesses manage higher inflationary conditions and further expansion of the bank’s linkage programme to BPR regional banks and the micro credit sector were two highly successful initiatives over the past 6 months. Together the consumer and SME/C categories represent 73% of total credit. Auto loans increased 137% to Rp5.2 trillion; while a higher level of provisions from that recorded for the first quarter this year is indicative of more rigorous credit standards, however, the level of non performing loans (NPL) year on year has reduced from 3.43% in 2007 to 2.85% of total auto loans outstanding. For all other loan categories NPL have continued to steadily reduce from quarter to quarter. Gross NPL for all categories of lending stood at 3.66% versus 4.01% for the first half of 2007.
2007
Loan Classification Current Special mention Sub standard Doubtful Loss
53.8
2008
June
Sep
Dec
March
June
20,257 1,645 65 131 800
23,450 1,149 166 94 699
26,308 1,303 87 110 684
27,628 1,412 138 90 663
29,723 1,534 147 201 553
Total Assets (Rp trillion) Total Aktiva (Rp triliun) 53.6
Kredit Konsumer meningkat 52% terutama didorong oleh pertumbuhan KPM (Kredit Pemilikan Mobil) serta KPR (Kredit Pemilikan Rumah). Kredit UKM/Komersial tumbuh sebesar 40%. Pada periode 6 bulan tersebut, tercatat dua program kredit yang sukses, yaitu program UKM yang dirancang untuk menyiasati dampak inflasi bagi usaha kecil, serta penyaluran linkage programme melalui Bank Perkreditan Rakyat (BPR) dan lembaga pembiayaan mikro. Secara bersama-sama, porsi Kredit Konsumer dan kredit UKM/ Komersial mewakili 73% dari total kredit yang diberikan. Jumlah KPM meningkat 137% menjadi Rp5,2 triliun. Tingginya jumlah pencadangan kerugian dibandingkan dengan kuartal sebelumnya mencerminkan ketatnya standar kredit. Namun demikian, tingkat kredit bermasalah (NPL) KPM berkurang dari 3,43% di tahun 2007 menjadi 2,85% pada tahun 2008. Secara kuartalan, penurunan NPL juga terlihat pada kategori kredit yang lain, dan NPL gross untuk seluruh kategori kredit tercatat sebesar 3,66%, dibandingkan 4,01% pada semester pertama 2007.
55.1
∆
∆
Dec07–Jun08
Jun07–Jun08
13% 18% 69% 83% -19%
Loan Composition (%) (as of June 30, 2008) Komposisi Kredit (%) (per 30 Juni 2008) 54.7
45% -7% 126% 53% -31%
Construction Konstruksi 5
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Kurang lancar Diragukan Macet
Others Lain-lain 34
Mining Pertambangan 4
Sep ‘07 Dec ‘07 Mar ‘08
Dalam perhatian khusus
56.8
Social/Public Services Jasa-jasa Sosial/Masyarakat 1 Agriculture & Forestry Pertanian & Perburuan 3 Electricity, Gas & Water Listrik, Gas & Air 4
Jun ‘07
Lancar
Third-party Funds (Rp trillion) Dana Masyarakat (Rp triliun) 41.5
Manufacturing Perindustrian 17
Klasifikasi Kredit
Jun ‘08
Transportation, Wharehouse & Communication Angkutan, Gudang & Komunikasi 8
35.8
34.8
37.0
38.0
Trading, Restaurants & Hotels Perdagangan, Restoran & Hotel 14 Business Services Jasa-jasa Dunia Usaha 10
Jun ‘07
Sep ‘07 Dec ‘07 Mar ‘08
Jun ‘08
Deposits from customers. Strong deposit growth reflects considerable efforts at BII to provide a broad range of new products and promotional offers backed by the ongoing Service Commitment launched at the beginning of the year. BII attained 5th place in the Banking Service Excellence Awards held early in 2008. Lower cost current and savings account balances (CASA) were up 25% and 12% respectively, with fixed deposits up 13%. CASA represents 44% of total third party funds raised, against a full year target of 47%. BII’s new look Platinum Access wealth business inspired by the Lotus flower, has redefined its service offer for this key growth segment, with new offers including the launching of the BII Platinum Access Debit MasterCard. The bank has made progress towards opening 14 new branches over the course of 2008 with a new branch in Pantai Indah Kapuk and two more in Surabaya. WOM Finance. WOM, the bank’s motorcycle finance subsidiary has reported significant growth in net profit of 144% to Rp22 billion on 32% increase in units financed in new and second hand markets, in line with strong national demand for motorcycles. Progress continues on several fronts; a computerisation programme to ultimately connect all WOM offices will bring the subsidiary’s IT and control systems further into line with BII; new senior appointments include a Risk Director and Operations Director. CAR The capital adequacy ratio (with market risk charge) as at the June 30, 2008 was 18.61%, well in excess of the minimum requirement of 8%, giving BII sufficient scope to continue to build its earning asset base, while maintaining a strong balance sheet.
Deposit Composition (%) Komposisi Simpanan Nasabah (%) 25.8
17.0 57.2
27.4
25.9
19.1
19.4
53.5
54.7
29.7
17.7
Simpanan Nasabah. Pertumbuhan dana simpanan nasabah mencerminkan upaya-upaya BII sejak awal tahun ini dalam pengembangan dan promosi produk, serta didukung oleh program Service Commitment. BII menempati peringkat ke-5 pada ajang Banking Service Excellence Awards di awal tahun 2008. Dana berbiaya rendah yaitu giro dan tabungan tercatat tumbuh sebesar masing-masing 25% dan 12%, sementara deposito tumbuh sebesar 13%. Porsi giro dan tabungan mewakili 44% dari total simpanan nasabah, dibandingkan dengan target sebesar 47% sampai dengan akhir tahun ini. Layanan BII Platinum Access memperkenalkan logo baru yang terinspirasi oleh filosofi bunga lotus, dalam upaya untuk mendorong pertumbuhan di segmen layanan wealth management, termasuk melalui peluncuran BII Platinum Access Debit MasterCard. BII merencanakan penambahan 14 kantor cabang baru di tahun 2008, dan sampai saat ini telah membuka satu cabang baru di Pantai Indah kapuk, Jakarta, dan dua cabang baru di Surabaya. WOM Finance. WOM Finance, anak perusahaan BII di bidang pembiayaan sepeda motor, mencatat pertumbuhan laba bersih sebesar 144% menjadi Rp22 miliar, dengan kenaikan 32% pada jumlah unit sepeda motor baru dan bekas yang dibiayai, seiring dengan maraknya pasar domestik untuk sepeda motor. WOM juga telah menujukkan kemajuan di berbagai bidang lain, antara lain program komputerisasi yang menghubungkan seluruh kantor cabang WOM sehingga sesuai dengan platform Teknologi Informasi di BII, serta pengangkatan pejabat senior baru di perusahaan termasuk Direktur Risiko dan Direktur Operasional. RASIO KECUKUPAN MODAL Rasio kecukupan modal (dengan memperhitungkan risiko pasar) tercatat sebesar 18,61% pada 30 Juni 2008, jauh di atas ketentuan minimum sebesar 8%. Dengan demikian, BII masih memiliki keleluasaan untuk meningkatkan jumlah aktiva produktifnya sementara tetap mempertahankan neraca yang sehat.
Total Liabilities (Rp trillion) Total Kewajiban (Rp triliun)
Equity (Rp trillion) Ekuitas (Rp triliun)
27.8 48.3
48.4
Jun ‘07
Sep ‘07
49.8
49.6
5.3
51.7
5.4
5.3
5.1
5.2
16.5 55.7
52.6
Demand Deposits Giro Savings Deposits Tabungan Time Deposits Deposito
Jun ‘07 Sep ‘07
Dec ‘07 Mar ‘08
Jun ‘08
Dec ‘07 Mar ‘08
Jun ‘08
Jun ‘07
Sep ‘07 Dec ‘07 Mar ‘08
Jun ‘08
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BII Stock Performance (BNII) The highest share price was recorded in May 2008 at Rp475 while the largest trading volume was achieved in January 2008 with 993,823,500 shares traded.
KINERJA SAHAM BII (BNII) Harga saham tertinggi tercatat pada Mei 2008 yaitu Rp475, sementara volume perdagangan terbesar tercatat pada bulan Januari 2008 dengan 993.823.500 saham yang diperdagangkan.
BNII Share Price, BNII Volume & Finance Composite Index Harga Saham BII, Volume Transaksi BNII dan Indeks Sektor Keuangan
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Investor Newsletter
Event Highlights
Peristiwa Penting
• BII collaborated with PT Asuransi Jiwa Sinarmas to launch the Musafir Link Syariah, a combination of Amanah Linck Syariah products from PT Asuransi Jiwa Sinarmas and BII Tabungan Musafir. The synergies from combining bank products with Syariah based investment offers helps customers to invest, save and obtain the benefit of life insurance with Syariah principles.
• BII bersama dengan PT Asuransi Jiwa Sinarmas meluncurkan program Musafir Link Syariah. Program tersebut merupakan program yang menggabungkan produk Amanah Link Syariah dari PT Asuransi Jiwa Sinarmas dengan Tabungan BII Musafir. Dengan program yang merupakan sinergi antara produk bank dengan investasi berbasis Syariah, nasabah dapat menabung, berinvestasi sekaligus mendapatkan perlindungan asuransi jiwa sesuai dengan prinsip-prinsip Syariah.
• BII launched its BII Platinum Access with a new logo, the Lotus flower, as a symbol of harmony, wealth, fortune, and peace of mind. This basic philosophy for Platinum Access is being used to define a new meaning of BII Wealth services, which include asset management, but also an understanding of the wealth mindset which leads to a better life quality achievement.
• BII meluncurkan logo baru BII Platinum Access yaitu dilambangkan dengan bunga Lotus yang menjadi simbol kehidupan harmonis, kesejahteraan, keberuntungan dan kedamaian pikiran. Ini menjadi landasan filosofi yang sempurna bagi BII Platinum Access dalam mendefinisikan makna baru layanan Wealth Management BII yang tidak hanya mencakup pengembangan aset, melainkan juga perlu pemahaman tentang wealth mindset sehingga mengarah pada pencapaian kualitas kehidupan yang lebih baik.
• BII and MasterCard Worldwide launched BII Platinum Access Debit MasterCard for BII wealth management (BII Platinum Access) customers in Indonesia. BII Platinum Access Debit MasterCard is premium debit card for affluent customers in Indonesia.
• BII bersama MasterCard Worldwide meluncurkan BII Platinum Access Debit MasterCard yang ditujukan bagi nasabah wealth management BII (BII Platinum Access) di Indonesia. Ini merupakan bagian dari peluncuran logo dan filosofi baru untuk layanan Wealth Management. BII Platinum Access Debit MasterCard adalah kartu debet premium yang ditujukan untuk nasabah affluent di Indonesia.
• BII received “2007 US Dollar Clearing STP” award from Citi Markets and Banking (CMB) Global Transaction Services (GTS) Indonesia, for BII’s achievement of above 98% ranking for US Dollar remittances by Straight Through Processing (STP) via Citi.
• BII meraih penghargaan “USD Clearing STP tahun 2007” dari Citi Markets and Banking (CMB) Global Transaction Services (GTS) Indonesia, atas keberhasilan BII mencapai peringkat di atas 98% untuk remittance dolar Amerika Serikat secara langsung (Straight Through Process/STP) melalui Citi.
• Celebrating a 49th anniversary and as a part of the Bank’s CSR programme, BII held a ‘BII Green Day’ at the University of Indonesia Campus, Depok by planting 490 Trembesi trees.
• Memperingati HUT ke-49-nya dan sebagai bagian dari program CSR, BII melaksanakan program ‘BII Green Day’ di Kampus Universitas Indonesia, Depok dengan melakukan penanaman sebanyak 490 pohon Trembesi.
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CONSOLIDATED BALANCE SHEETS PT BANK INTERNASIONAL INDONESIA Tbk AS OF JUNE 30, 2008 AND 2007 (in million Rupiah)
NERACA KONSOLIDASI PT BANK INTERNASIONAL INDONESIA Tbk TANGGAL 30 JUNI 2008 DAN 2007 (dalam jutaan Rupiah)
Assets
Aktiva Description
1. 2. 3. 4.
Cash Placements with Bank Indonesia a. Current accounts with Bank Indonesia b. Certificates of Bank Indonesia c. Others Current accounts with other banks a. Rupiah b. Foreign currencies Placements with other banks a. Rupiah Allowance for possible losses on placements with other banks -/ b. Foreign currencies Allowance for possible losses on placements with other banks -/5. Marketable securities a. Rupiah i. Trading ii. Available for sale iii. Held to maturity Allowance for possible losses on marketable securities -/ b. Foreign currencies i. Trading ii. Available for sale iii. Held to maturity Allowance for possible losses on marketable securities -/6. Securities sold under repurchase agreements 7. Government bonds i. Trading ii. Available for sale iii. Held to maturity 8. Securities purchased under resale agreement a. Rupiah Allowance for possible losses on securities purchased under resale agreement -/ b. Foreign currencies Allowance for possible losses on securities purchased under resale agreement -/9. Derivatives receivable Allowance for possible losses on derivatives receivable -/10. Loans a. Rupiah i. Related parties ii. Non-related parties Allowance for possible losses on loans -/ b. Foreign currencies i. Related parties ii. Non-related parties Allowance for possible losses on loans -/11. Sharia receivables a. Murabahah receivables – net i. Rupiah ii. Foreign currencies b. Istishna receivables i. Rupiah ii. Foreign currencies c. Qardh hiwalah receivables - net i. Rupiah ii. Foreign currencies Allowance for possible losses on sharia receivables -/12. Musyarakah financing a. Rupiah b. Foreign currencies Allowance for possible losses on musyarakah financing -/13. Mudharabah muqayaddah financing a. Rupiah b. Foreign currencies Allowance for possible losses on mudharabah muqayaddah financing -/14. Acceptances receivable Allowance for possible losses on acceptances receivable -/15. Investments in shares Allowance for possible losses on investments in shares -/16. Goodwill 17. Interest receivables 18. Prepayments 19. Prepaid tax 20. Deferred tax assets 21. Fixed assets Accumulated depreciation of fixed assets -/22. Abandoned properties Allowance for possible losses on abandoned properties -/23. Leased assets Accumulated depreciation of leased assets -/24. Repossessed assets Allowance for possible losses on repossessed assets -/25. Other assets Total Assets
8
Investor Newsletter
June 30, ‘08
June 30, ‘07
Keterangan
1,077,265
866,280
3,138,594 362,177 2,509,600
2,802,830 2,331,098 –
76,860 376,849
31,084 214,753
30,000 (581) 1,096,490 (14,702)
40,000 (430) 2,671,298 (27,849)
401,546 – 214,546 187,000 (4,015) 1,154,944 – 1,154,944 – (11,645) 600,012
776,538 – 483,814 292,724 (7,766) 2,046,663 – 1,511,426 535,237 (20,507) 598,986
21,125 7,372,526 –
101,544 10,625,064 –
24,066 –
– –
1. Kas 2. Penempatan pada Bank Indonesia a. Giro Bank Indonesia b. Sertifikat Bank Indonesia c. Lainnya 3. Giro pada bank lain a. Rupiah b. Valuta asing 4. Penempatan pada bank lain a. Rupiah PPA – Penempatan pada bank lain -/ b. Valuta asing PPA – Penempatan pada bank lain -/5. Surat berharga yang dimiliki a. Rupiah i. Diperdagangkan ii. Tersedia untuk dijual iii. Dimiliki hingga jatuh tempo PPA – Surat berharga yang dimiliki -/ b. Valuta asing i. Diperdagangkan ii. Tersedia untuk dijual iii. Dimiliki hingga jatuh tempo PPA – Surat berharga yang dimiliki -/6. Surat berharga yang dijual dengan janji dibeli kembali 7. Obligasi pemerintah i. Diperdagangkan ii. Tersedia untuk dijual iii. Dimiliki hinga jatuh tempo 8. Tagihan atas surat berharga yang dibeli dengan janji dijual kembali (reserve repo) a. Rupiah PPA – Reserve repo -/-
– –
– –
13,897 (32)
15,906 (160)
28,613,855 30,487 28,583,368 (640,201) 7,015,456 – 7,015,456 (194,998)
22,521,955 37,954 22,484,001 (361,760) 5,512,991 3,163 5,509,828 (140,561)
83,289 –
61,988 842
1,508 –
1,085 –
– – (849)
– – (612)
150,473 4,002 (2,432)
79,982 13,384 (2,734)
7,920 – (79)
188 – (2)
1,109,996 (10,781) 5,652 (2,995) 100,421 426,506 324,960 – 346,995 1,288,795 (525,059) 40,961 (6,144) – – 47,819 (6,962) 440,250
615,617 (6,066) 14,383 (11,727) 147,434 379,979 314,404 – 121,744 1,246,037 (452,148) 41,298 (6,195) – – 37,659 (2,533) 369,945
56,843,334
53,561,909
b. Valuta asing PPA – Reserve repo -/-
9. Tagihan derivatif PPA – Tagihan derivatif -/10. Kredit yang diberikan a. Rupiah i. Pihak terkait dengan bank ii. Pihak lain PPA – Kredit yang diberikan -/ b. Valuta asing i. Pihak terkait dengan bank ii. Pihak lain PPA – Kredit yang diberikan -/11. Piutang syariah a. Piutang murabahah (bersih) i. Rupiah ii. Valuta asing b. Piutang istishna i. Rupiah ii. Valuta asing c. Piutang qardh hiwalah (bersih) i. Rupiah ii. Valuta asing PPA – Piutang syariah -/12. Pembiayaan musyarakah a. Rupiah b. Valuta asing PPA – Pembiayaan musyarakah -/13. Pembiayaan mudharabah muqayaddah a. Rupiah b. Valuta asing PPA – Pembiayaan mudharabah muqayaddah -/14. Tagihan akseptasi PPA – Tagihan akseptasi -/15. Penyertaan PPA – Penyertaan -/16. Goodwill 17. Pendapatan yang masih akan diterima 18. Biaya dibayar dimuka 19. Uang muka pajak 20. Aktiva pajak tangguhan 21. Aktiva tetap Akumulasi penyusutan aktiva tetap -/22. Properti terbengkalai PPA – Properti terbengkalai -/23. Aktiva sewa guna Akumulasi penyusutan aktiva sewa guna -/24. Agunan yang diambil alih PPA – Agunan yang diambil alih -/25. Aktiva lain-lain Total Aktiva
CONSOLIDATED BALANCE SHEETS PT BANK INTERNASIONAL INDONESIA Tbk AS OF JUNE 30, 2008 AND 2007 (in million Rupiah)
NERACA KONSOLIDASI PT BANK INTERNASIONAL INDONESIA Tbk TANGGAL 30 JUNI 2008 DAN 2007 (dalam jutaan Rupiah)
Liabilities and Equity Description 1. Demand deposits a. Rupiah b. Foreign currencies Wadiah demand deposits a. Rupiah b. Foreign currencies 2. Obligation due immediately 3. Savings deposits Wadiah savings deposits Mudharabah savings deposits 4. Time deposits a. Rupiah i. Related parties ii. Non-related parties b. Foreign currencies i. Related parties ii. Non-related parties Mudharabah time deposits a. Rupiah i. Related parties ii. Non-related parties b. Foreign currencies i. Related parties ii. Non-related parties 5. Certificates of deposits a. Rupiah b. Foreign currencies 6. Deposits from other banks 7. Securities sold under repurchase agreement (repo) 8. Derivatives payable 9. Acceptances payable 10. Securities issued a. Rupiah b. Foreign currencies 11. Borrowings a. Short-term loan facilities received from Bank Indonesia b. Others i. Rupiah – Related parties – Non-related parties ii. Foreign currencies – Related parties – Non-related parties 12. Estimated losses on commitments and contingencies 13. Lease payable 14. Accrued interest 15. Taxes payables 16. Deferred tax liabilities 17. Other liabilities 18. Subordinated loans a. Related parties b. Non-related parties 19. Loan capital a. Related parties b. Non-related parties 20. Minority interest 21. Equity a. Issued and paid-up capital b. Share options reserve c. Additional paid-in capital d. General reserves e. Funds for paid-in capital f. Differences arising from the translation of foreign currencies financial statements g. Revaluation increment in fixed assets h. Unrealized losses on changes in value of available for sale marketable securities and government bonds i. Other comprehensive income j. Retained earnings Total Liabilities and Equity
Kewajiban dan Ekuitas June 30, ‘08
June 30, ‘07
4,748,590 6,738,828
3,153,809 6,051,700
40,212 18,784 632,432 6,824,921 – 11,456
14,295 14,084 589,431 6,077,114 – 10,598
19,302,443 15,234 19,287,209 3,577,482 1,359 3,576,123
16,781,291 6,658 16,774,633 3,606,769 2,289 3,604,480
203,418 2,660 200,758 3,530 57 3,473
118,151 240 117,911 5,627 – 5,627
– – 749,184 600,000
– – 1,937,434 600,000
42,744 1,109,996
46,447 615,617
1,789,550 –
2,664,046 –
– 2,373,914 2,257,900 1,383,778 874,122 116,014 53,755 62,259 32,185 – 165,992 40,886 – 1,135,231
– 2,755,140 2,567,641 1,317,575 1,250,066 187,499 – 187,499 19,879 – 160,803 72,989 61,163 1,308,212
– 1,358,052
– 1,329,265
– – 186,860
– – 300,994
3,242,131 70,089 305,663 25,853 – (19,360)
3,228,460 84,607 171,695 21,805 – 96,226
– (387,809)
– (30,644)
– 1,920,077
– 1,694,902
56,843,334
53,561,909
Keterangan 1. Giro a. Rupiah b. Valuta asing Giro wadiah a. Rupiah b. Valuta asing 2. Kewajiban segera lainnya 3. Tabungan Tabungan wadiah Tabungan mudharabah 4. Deposito berjangka a. Rupiah i. Pihak terkait dengan bank ii. Pihak lain b. Valuta asing i. Pihak terkait dengan bank ii. Pihak lain Deposito berjangka mudharabah a. Rupiah i. Pihak terkait dengan bank ii. Pihak lain b. Valuta asing i. Pihak terkait dengan bank ii. Pihak lain 5. Sertifikat deposito a. Rupiah b. Valuta asing 6. Simpanan dari bank lain 7. Kewajiban pembelian kembali surat berharga yang dijual dengan syarat repo 8. Kewajiban derivatif 9. Kewajiban akseptasi 10. Surat berharga yang diterbitkan a. Rupiah b. Valuta asing 11. Pinjaman yang diterima a. Fasilitas pendanaan jangka pendek Bank Indonesia b. Lainnya i. Rupiah – Pihak terkait dengan bank – Pihak lain ii. Valuta asing – Pihak terkait dengan bank – Pihak lain 12. Estimasi kerugian komitmen dan kontinjensi 13. Kewajiban sewa guna usaha 14. Beban bunga yang masih harus dibayar 15. Taksiran pajak penghasilan 16. Kewajiban pajak tangguhan 17. Kewajiban lain-lain 18. Pinjaman subordinasi a. Pihak terkait dengan bank b. Pihak lain 19. Modal pinjaman a. Pihak terkait dengan bank b. Pihak lain 20. Hak minoritas 21. Ekuitas a. Modal disetor b. Opsi saham c. Agio d. Cadangan umum e. Dana setoran modal f. Selisih penjabaran laporan keuangan g. Selisih penilaian kembali aktiva tetap h. Rugi belum direalisasi dari surat berharga dan obligasi pemerintah i. Pendapatan komprehensif lainnya j. Saldo laba Total Kewajiban dan Ekuitas
Investor Newsletter
9
CONSOLIDATED STATEMENTS OF PROFIT & LOSS AND RETAINED EARNINGS PT BANK INTERNASIONAL INDONESIA Tbk FOR THE PERIODS ENDED JUNE 30, 2008 AND 2007 (in million Rupiah, except earnings per share)
Description
Operating Income and Expenses 1. Interest income, margin and revenues sharing 1.1. Interest earned a. Rupiah b. Foreign currencies 1.2. Margin and revenues sharing 1.3. Fees and commissions income a. Rupiah b. Foreign currencies Total interest income, margin and revenues sharing 2. Interest expenses, bonus and expenses sharing 2.1. Interest expense a. Rupiah b. Foreign currencies 2.2. Bonus and expenses sharing 2.3. Commissions and fees Total interest expenses, bonus and expenses sharing Net interest income, margin and revenues sharing 3. Other operating income 3.1. Fees and commissions other than from loans 3.2. Gain on foreign exchange transactions – net 3.3. Increase in value of marketable securities and government bonds – net 3.4. Others Total other operating income 4. Provision for possible losses on earning assets and non-earning assets 5. Estimated losses on commitments and contingencies 6. Other operating expenses 6.1. General and administrative 6.2. Personnel 6.3. Decrease in value of marketable securities and government bonds 6.4. Losses on foreign exchange transactions – net 6.5. Promotion 6.6. Other expenses Total other operating expenses Profit from operations – net Non-operating Income and Expenses 7. Non-operating income 8. Non-operating expenses Non-operating income – net 9. Extraordinary gain/loss 10. Income before corporate income tax 11. Corporate income tax -/12. Deferred tax -/13. Income after corporate income tax 14. Pre acquisition income 15. Minority interest -/16. Net income 17. Retained earnings at beginning of period 18. Dividend -/- 19. General reserves -/20. Retained earnings at end of period 21. Basic earnings per-share 22. Diluted earning per-share
10
Investor Newsletter
LAPORAN LABA-RUGI DAN SALDO LABA KONSOLIDASI PT BANK INTERNASIONAL INDONESIA Tbk UNTUK PERIODE YANG BERAKHIR TANGGAL 30 JUNI 2008 DAN 2007 (dalam jutaan Rupiah kecuali laba per saham yang disajikan dalam Rupiah penuh)
June 30, ‘08
June 30, 07
2,408,437 324,982 16,638
2,328,672 399,461 10,981
45,878 12,047 2,807,982
40,741 13,992 2,793,847
1,247,987 140,199 6,541 9,232 1,403,959 1,404,023
1,397,277 173,515 4,104 9,622 1,584,518 1,209,329
139,956 26,695 –
115,734 71,198 63,517
420,715 587,366 452,475
453,914 704,363 347,411
9,459
1,978
462,941 545,366 30,609
386,895 513,887 –
– 103,079 180,494 1,322,489 206,966
– 71,834 236,441 1,209,057 355,246
224,187 14,985 209,202 – 416,168 127,106 (38,431) 327,493 – (10,992) 316,501 1,810,003 (202,379) (4,048) 1,920,077 6.48 6.35
45,049 10,334 34,715 – 389,961 86,504 9,012 294,445 (274) (4,515) 289,656 1,665,068 (253,484) (6,338) 1,694,902 6.00 5.94
Keterangan
Pendapatan dan Beban Operasional 1. Pendapatan bunga, marjin dan bagi hasil 1.1. Pendapatan bunga a. Rupiah b. Valuta asing 1.2. Pendapatan marjin dan bagi hasil 1.3. Provisi dan komisi a. Rupiah b. Valuta asing Jumlah pendapatan bunga, marjin dan bagi hasil 2. Beban bunga, bonus dan bagi hasil 2.1. Beban bunga a. Rupiah b. Valuta asing 2.2. Beban bonus dan bagi hasil 2.3. Provisi dan komisi Jumlah beban bunga, bonus dan bagi hasil Pendapatan bunga, marjin dan bagi hasil – bersih 3. Pendapatan operasional lainnya 3.1. Pendapatan provisi, komisi dan fee 3.2. Pendapatan transaksi valuta asing – bersih 3.3. Pendapatan kenaikan nilai surat berharga dan obligasi pemerintah 3.4. Pendapatan lainnya Jumlah pendapatan operasional lainnya 4. Beban penyisihan penghapusan aktiva produktif dan aktiva tidak produktif 5. Beban estimasi kerugian komitmen dan kontinjensi 6. Beban operasional lainnya 6.1. Beban administrasi dan umum 6.2. Beban personalia 6.3. Beban penurunan nilai surat berharga dan obligasi pemerintah 6.4. Beban transaksi valuta asing – bersih 6.5. Beban promosi 6.6. Beban lainnya Jumlah beban operasional lainnya Pendapatan operasional – bersih Pendapatan dan Beban Non Operasional 7. Pendapatan non operasional 8. Beban non operasional Pendapatan non operasional – bersih 9. Pendapatan/beban luar biasa 10. Laba sebelum pajak penghasilan 11. Taksiran pajak penghasilan -/12. Pajak tangguhan -/13. Laba setelah pajak penghasilan 14. Laba sebelum akuisisi 15. Hak minoritas -/16. Laba periode berjalan 17. Saldo laba awal periode 18. Dividen -/- 19. Cadangan umum -/20. Saldo laba akhir periode 21. Laba bersih per saham 22. Laba bersih per saham dilusian
CONSOLIDATED STATEMENTS OF COMMITMENTS AND CONTINGENCIES PT BANK INTERNASIONAL INDONESIA Tbk AS OF JUNE 30, 2008 AND 2007 (in million Rupiah)
Description
LAPORAN KOMITMEN DAN KONTINJENSI KONSOLIDASI PT BANK INTERNASIONAL INDONESIA Tbk TANGGAL 30 JUNI 2008 DAN 2007 (dalam jutaan Rupiah)
June 30, ‘08
June 30, ‘07
Keterangan
COMMITMENTS
KOMITMEN
Commitment receivables
Tagihan komitmen
1.
Unused facilities on borrowings received
1.
Fasilitas pinjaman yang diterima dan belum digunakan
a.
Rupiah
–
–
a.
Rupiah
b.
Foreign currencies
–
–
b.
Valuta asing
2.
Others
–
–
2.
Lainnya
Total commitment receivables
–
–
Jumlah tagihan komitmen
Commitment liabilities
Kewajiban komitmen
1.
Unused loan commitments granted to customers
1.
Fasilitas kredit kepada nasabah yang belum ditarik
a.
Rupiah
363,946
143,633
a.
Rupiah
b.
Foreign currencies
217,283
32,346
b.
Valuta asing
2.
Outstanding irrevocable L/C for export and import
1,002,226
513,596
2.
Irrevocable L/C yang masih berjalan dalam rangka impor dan ekspor
3.
Others
3.
Lainnya
Total commitment liabilities
–
–
Jumlah kewajiban komitmen
1,583,455
689,575
(1,583,455)
(689,575)
TOTAL COMMITMENTS - NET CONTINGENCIES
JUMLAH KOMITMEN BERSIH KONTINJENSI
Contingent receivables
Tagihan kontinjensi
1.
Guarantees received
1.
Garansi yang diterima
a.
Rupiah
40,731
11,070
a.
Rupiah
b.
Foreign currencies
12,498
23,532
b.
Valuta asing
2.
Past due interest revenues
2.
Pendapatan bunga dalam penyelesaian
a.
Rupiah
b.
Foreign currencies
3.
Others
Total contingent receivables
Contingent liabilities
265,977
229,208
a.
Rupiah
57,864
59,034
b.
Valuta asing
–
–
3.
Lainnya
377,070
322,844
Jumlah tagihan kontinjensi
Kewajiban kontinjensi
1. Guarantees issued
1. Garansi yang diberikan
a.
Bank guarantees
a.
Bank garansi
–
Rupiah
701,641
434,495
–
Rupiah
–
Foreign currencies
257,656
363,250
–
Valuta asing
b.
Others
446,046
–
b.
Lainnya
2.
Outstanding revocable L/C for export and import
–
–
2.
Revocable L/C yang masih berjalan dalam rangka impor dan ekxpor
3.
Others
3.
Lainnya
Total contingent liabilities
Jumlah kewajiban kontinjensi
TOTAL CONTINGENCIES - NET
–
–
1,405,343
797,745
(1,028,273)
(474,901)
JUMLAH KONTINJENSI BERSIH
Investor Newsletter
11
Composition of the Boards of Commissioners • Susunan Dewan Komisaris President Commissioner • Presiden Komisaris Commissioner • Komisaris Commissioner • Komisaris Commissioner • Komisaris Independent Commissioner • Komisaris Independen Independent Commissioner • Komisaris Independen Independent Commissioner • Komisaris Independen Independent Commissioner • Komisaris Independen
: Ernest Wong Yuen Weng : Thomas Patrick Sodano : Hyun Kap Shin* : Woo Shick Lee : Kuo How Nam : Putu Antara : Umar Juoro : Taswin Zakaria
Composition of the Boards of Directors • Susunan Direksi President Director • Presiden Direktur Vice President Director • Wakil Presiden Direktur Compliance Director • Direktur Kepatuhan Director • Direktur Director • Direktur Director • Direktur Director • Direktur Director • Direktur Director • Direktur
: Henry Ho Hon Cheong : Sukatmo Padmosukarso : Fransiska Oei : Dira K. Mochtar : Prem Kumar : Satinder Pal Singh Ahluwalia : Rita Mas’Oen : Sanjay Kapoor : Ventje Rahardjo
The composition of the Board of Commissioners and the Board of Directors was approved in the Extraordinary General Meeting of Shareholders held on March 27, 2008. * The appointment will be effective after obtaining approval from Bank Indonesia. Susunan Dewan Komisaris dan Direksi sesuai hasil Rapat Umum Pemegang Saham Luar Biasa tanggal 27 Maret 2008. * Pengangkatan akan berlaku efektif setelah mendapat persetujuan dari Bank Indonesia.
Shareholders • Pemegang Saham
Percent
Sorak Financial Holdings Pte. Ltd.
55.54%
Public • Masyarakat < 5%
28.56%
Public • Masyarakat > 5% Goldman Sachs New York Segregated Account Aranda Investments (Mauritius) Pte. Ltd. Total
9.89% 6.01% 100.00%
NOTES: 1. The consolidated financial information as at and for the six months period ended June 30, 2008 and 2007 are unaudited. The above financial information has been prepared for the purpose of complying with Bank Indonesia Regulation No. 3/22/PBI/2001 dated 13 December 2001 on “Transparency of Bank’s Financial Condition”, and prepared based on Circular Letter No. 3/30/DPNP dated 14 December 2001 on “Quarterly and Monthly Published Financial Statements for Public Bank and Certain Reports Submitted to Bank Indonesia”, which was subsequently amended through Bank Indonesia Regulation No. 7/50/PBI/2005 dated 29 November 2005 and Circular Letter of Bank Indonesia No. 7/10/DPNP dated 31 March 2005, respectively, and with reference to Rule of Capital Market Supervisory Agency (Bapepam) No. VIII.G.7, Decision of Chairman of Bapepam No. Kep-06/PM/2000 dated 13 March 2000 on “Guidelines for the Preparation of Financial Statements” and Attachment No. X.K.2, Decision of Chairman of Bapepam No. Kep-36/PM/2003 dated 30 September 2003 on “Obligation to Submit Periodic Financial Statements”. 2. As of June 30, 2008 and 2007, the exchange rates used for US$1 to Rupiah were Rp9,220 and Rp9,049.5, respectively. CATATAN: 1. Informasi keuangan konsolidasi pada dan untuk periode enam bulanan yang berakhir 30 Juni 2008 dan 2007 ini tidak diaudit. Informasi keuangan tersebut disajikan dalam rangka memenuhi ketentuan Peraturan Bank Indonesia No. 3/22/PBI/2001 tanggal 13 Desember 2001 tentang “Transparansi Kondisi Keuangan Bank” dan Surat Edaran Bank Indonesia No. 3/30/DPNP tanggal 14 Desember 2001 tentang “Laporan Keuangan Publikasi Triwulanan dan Bulanan Bank Umum serta Laporan Tertentu yang Disampaikan kepada Bank Indonesia”, sebagaimana telah diubah masing-masing melalui Peraturan Bank Indonesia No. 7/50/PBI/2005 tanggal 29 November 2005 dan Surat Edaran Bank Indonesia No. 7/10/DPNP tanggal 31 Maret 2005, serta mengacu kepada Lampiran No. VIII.G.7, Surat Keputusan Ketua Bapepam No. Kep-06/PM/2000 tanggal 13 Maret 2000 tentang “Pedoman Penyajian Laporan Keuangan”, jo Lampiran No. X.K.2, Surat Keputusan Ketua Bapepam No. Kep-36/PM/2003 tanggal 30 September 2003 tentang “Kewajiban Penyampaian Laporan Keuangan Berkala”. 2. Nilai tukar mata uang untuk US$1 per tanggal 30 Juni 2008 dan 2007 masing-masing adalah Rp9.220 dan Rp9.049,5.
12
Investor Newsletter
Disclaimer: This report has been prepared by PT Bank Internasional Indonesia Tbk. independently and is circulated for the purpose of general information only. It is not intended to the specific person who may receive this report. The information in this report has been obtained from sources we deem reliable. No warranty (expressed or implied) is made to the accuracy or completeness of the information. All opinions and estimates included in this report constitute our judgment as of this date and are subject to change without prior notice. We disclaim any responsibility or liability (expressed or implied) of PT Bank Internasional Indonesia Tbk. and/or its affiliated companies and/or their respective employees and/or agents whatsoever and howsoever arising which may be brought against or suffered by any person as a result of acting in reliance upon the whole or any part of this report and neither PT Bank Internasional Indonesia Tbk. and/or its affiliated companies and/or their respective employees and/or agents accepts liability for any errors, omissions or misstatements, negligent or otherwise, in this report and any inaccuracy herein or omission here which might otherwise arise. Disclaimer: Laporan ini disusun oleh PT Bank Internasional Indonesia Tbk. secara independen dan diedarkan semata-mata untuk keperluan informasi umum. Laporan ini tidak dimaksudkan untuk memberikan informasi khusus kepada siapapun yang menerimanya. Informasi dalam laporan ini didapatkan dari sumber-sumber yang terpercaya. Namun, tidak ada jaminan (tersurat maupun tersirat) atas akurasi dan kelengkapan informasi tersebut. Semua opini dan perkiraan yang dimuat dalam laporan ini merupakan penilaian kami pada saat tanggal laporan dan dapat saja berubah tanpa pemberitahuan terlebih dahulu. Bersama ini dinyatakan bahwa PT Bank Internasional Indonesia Tbk. dan/atau anak-anak perusahaannya dan/atau karyawannya dan/atau agen-agennya tidak bertanggung jawab (tersurat ataupun tersirat) atas konsekuensi yang dapat saja terjadi sebagai akibat dari tindakan seseorang atau sesuatu pihak yang dilakukan berdasarkan sebagian atau keseluruhan informasi yang terkandung dalam laporan ini. PT Bank Internasional Indonesia Tbk. dan/atau anak-anak perusahaannya dan/atau karyawannya dan/atau agen-agennya tidak bertanggung jawab atas kesalahan yang terjadi, baik kekurangan maupun kesalahan pelaporan, yang tidak disengaja atau karena sebab lain, dalam laporan ini, dan atas ketidaktepatan atau ketidaklengkapan yang dapat saja terjadi.
PT BANK INTERNASIONAL INDONESIA Tbk
Corporate Communication
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E-mail:
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