InvestorNewsletter
2008 Results Kinerja Kuartal III 2008 1 3Q
www.bii.co.id
Stock Performance Kinerja Saham BII 6 BII
Edisi
22
nd
Edition
Sheet Neraca 8 Balance
3Q 2008 Results • Kinerja Kuartal III 2008 Bank Internasional Indonesia (BII) reported solid gains in loan and deposit growth, higher net interest margins and net interest earnings for the first nine months of 2008. In acknowledging a general weakening of consumer and business sentiment and a slowdown in the economy, the bank’s management remains focused on its core business sectors. Benchmark interest rates continued to rise to 9.5%, up 150 basis points so far in 2008, with monthly inflation peaking at 11.8%. • Net interest income up 12% to Rp2,096 billion • Net interest margin improved from 5.20% to 5.65% year on year • Loans grew 25% to Rp38 trillion, Deposits up 21% to Rp42 trillion compared to a year ago As the worldwide financial crisis continued to escalate, BI and the Government of Indonesia have taken a number of prudent policy measures to bolster both the financial sector and the real economy. Changes have been made in mark to market requirements and reserve requirements have been reduced in support of liquidity. As at September 30th, 2008 Mayban Offshore Corporate Services (Labuan) Sdn. Bhd. (“MOCS”), a wholly owned subsidiary of Maybank (Malayan Banking Berhad) completed the acquisition of 100% of the shares owned by Sorak Financial Holdings Pte. Ltd., being 55.51% of the total issued and listed shares of BII.
Bank Internasional Indonesia (BII) membukukan pertumbuhan kredit dan simpanan nasabah serta peningkatan marjin bunga bersih dan pendapatan bunga bersih pada periode sembilan bulan pertama tahun 2008. Menyikapi ekonomi yang melambat serta melemahnya sentimen bisnis dan konsumen pada umumnya, Manajemen BII terus fokus pada sektor bisnis intinya. Selama tahun 2008, suku bunga acuan telah naik 150 basis point hingga mencapai 9,5% saat ini, sementara tingkat inflasi bulanan mencapai titik tertinggi pada 11,8%. • Pendapatan bunga bersih naik 12% menjadi Rp2.096 miliar • Marjin bunga bersih (NIM) membaik dari 5,20% menjadi 5,65% (y-o-y) • Kredit tumbuh 25% menjadi Rp38 triliun dan simpanan nasabah tumbuh 21% menjadi Rp42 triliun, dibandingkan posisi setahun sebelumnya Di tengah terus meningkatnya krisis keuangan global, Bank Indonesia dan Pemerintah RI telah mengambil langkahlangkah kebijakan yang berhati-hati untuk memperkuat sektor keuangan dan sektor riil. Perubahan telah dilakukan pada ketentuan mengenai valuasi mark-to-market, dan persyaratan Giro Wajib Minimum telah diturunkan untuk mendukung likuiditas. Pada 30 September 2008, Mayban Offshore Corporate Services (Labuan) Sdn. Bhd. (“MOCS”), anak perusahaan yang dimiliki sepenuhnya oleh Maybank (Malayan Banking Berhad) telah menyelesaikan proses akuisisi sebesar 100% saham Sorak FInancial Holdings Pte. Ltd., yang memiliki 55,51% dari total saham yang diterbitkan oleh BII.
Financial Highlights • Ikhtisar Keuangan
3Q 2008 Performance Kinerja Kuartal III 2008 Managing liquidity in a slowing economy
MEMPERTAHANKAN LIKUIDITAS DI TENGAH MELAMBATNYA EKONOMI
Signs of a slowing economy are now evident. GDP growth for the quarter was 6.1%, the lowest recorded in the last 6 quarters and both consumer and business sentiment, earlier rising, has tailed off. Even before the global banking crisis unfolded, commodity prices peaked and demand from export markets weakened. Bank Indonesia continued to adopt higher interest rates in an attempt to counter inflation (with success) and more recently, to defend the Rupiah against the US Dollar, in the face of tightening liquidity as outflow from both bond and equity market positions pushed up demand for the dollar.
Tanda-tanda melemahnya perekonomian telah terlihat. Pertumbuhan PDB pada Kuartal III sebesar 6,1% adalah yang terendah selama enam kuartal terakhir ini, sementara sentimen bisnis dan konsumen yang sebelumnya terus meningkat mulai menurun perlahan. Bahkan sebelum krisis perbankan global muncul, harga-harga komoditas telah meningkat dan permintaan ekspor menurun. Bank Indonesia terus mempertahankan kebijakan suku bunga acuan tinggi yang berhasil meredam kenaikan inflasi, serta untuk mengamankan nilai tukar Rupiah terhadap Dolar AS di tengah ketatnya likuiditas akibat tingginya permintaan akan Dolar AS menyusul penarikan modal dari pasar saham dan obligasi.
Loan growth at BII was 25% year to date. Consumer lending led the way with 41% growth to Rp15.4 trillion, SMEC lending as the biggest category, was higher by 35% to Rp13 trillion and Corporate loan grew 24% to Rp9.3 trillion.
Pertumbuhan kredit BII mencapai 25% pada periode sembilan bulan tahun ini. Kredit Konsumer mencatat pertumbuhan tertinggi sebesar 41% menjadi Rp15,4 triliun. Kredit UKM/ Komersial yang merupakan porsi kredit terbesar meningkat 35% menjadi Rp13 triliun, sementara kredit Korporasi tumbuh 24% menjadi Rp9,3 triliun.
Rising interest rates and continued weakness in equity markets have contributed to a shift towards time deposits. BII total deposits grew 21% to Rp42 trillion, year-on-year, an encouraging trend. New branch
Net Income (Rp billion) (year to date) Laba Bersih (Rp miliar) (kumulatif, tahun berjalan)
Kenaikan tingkat suku bunga serta melemahnya harga saham di pasar modal telah mendorong penempatan dana ke deposito berjangka. Total simpanan nasabah di BII mencatat
Net Interest Income (Rp billion) (year to date) Pendapatan Bunga Bersih (Rp miliar)
(kumulatif, tahun berjalan)
Net Interest Margin (%) NIM (%)
2,526 439 405
5.89
2,096
392 1,863
5.20
5.27
Sep ‘07
Dec ‘07 Mar ‘08
5.73
5.65
Jun ‘08
Sep ‘08
317 1,404
198 715
Sep ‘07
Dec ‘07 Mar ‘08
Jun ‘08
Sep ‘08
Sep ‘07
Dec ‘07 Mar ‘08 Jun ‘08
Sep ‘08
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openings and improved ease of access to the bank by joining ATM Prima (a network of 9,900 ATMs) has given BII customers better access to their accounts. The trend towards the higher interest rate through the year to date, has been accompanied by some margin pressure, net interest margin quarter by quarter reduced from 5.62% for quarter two to 5.54% for quarter three. Year-on-year net interest margin was 5.65% compared to 5.20% in 2007. Costs for the first 9 months were up by 9% on a normalized basis, and the Bank’s normalize cost to income ratio improved, reducing from 65.3% for the June 2008 quarter to 61.5% for the September 2008. The normalize statistic does not reflect the impact of marking to market the current marketable securities portfolio, resulting in a charge of Rp58 billion to P&L, a non-cash item. The quarter ended on a high note with the completion of the acquisition of a majority interest in BII by Maybank, representing a new source of growth for BII on a variety of fronts, including remittances
pertumbuhan menggembirakan sebesar 21% y-o-y menjadi Rp42 triliun, didukung oleh pembukaan cabang-cabang baru serta bergabungnya BII ke jaringan ATM Prima (dengan 9.900 unit ATM), sehingga meningkatkan kemudahan akses nasabah ke rekening mereka. Kecenderungan kenaikan suku bunga perbankan sepanjang tahun sampai saat ini telah menekan marjin, dimana marjin bunga bersih (NIM) secara kuartalan tercatat menurun dari 5,62% di Kuartal II menjadi 5,54% di Kuartal III. NIM tercatat sebesar 5,65% dibandingkan 5,20% pada tahun 2007. Secara normalize, biaya-biaya tercatat meningkat 9% pada periode sembilan bulan tahun 2008, sementara rasio cost to income membaik dari 65,3% pada Juni 2008 menjadi 61,5% pada September 2008. Perhitungan rasio cost to income (normalize) tersebut tidak mencakup kerugian valuasi mark-to-market (non-cash) pada portofolio surat berharga, sebesar Rp58 miliar pada laporan laba rugi. Perkembangan penting terjadi di akhir Kuartal III dengan diselesaikannya akuisisi kepemilikan saham mayoritas di BII oleh Maybank, yang memberikan prospek pertumbuhan baru
Consolidated Financial Summary
Ringkasan Data Keuangan Konsolidasi
Million Rupiah, %
Jutaan Rupiah, %
September 2008
September 2007
Interest revenues
4,288,817
2,807,982
4,163,945
Pendapatan bunga
Interest expenses
2,193,034
1,403,959
2,300,558
Beban bunga
Net interest income
Pendapatan bunga bersih
2,095,783
1,404,023
1,863,387
Profit from opeartions – net
307,707
206,966
475,815
Pendapatan operasional bersih
Net income
392,260
316,501
438,518
Laba bersih
Total assets
57,974,079
56,843,334
53,813,893
Total aktiva
38,054,258
35,876,503
30,417,624
Government bonds
6,439,426
7,393,651
9,794,754
Obligasi pemerintah
Marketable securities
2,419,139
2,518,679
4,595,256
Surat berharga (termasuk SBI)
Placement with other banks
3,134,573
3,636,090
2,612,093
52,788,237
51,686,690
48,372,874
Total kewajiban
Loan – gross
Total liabilities
Kredit – bruto
Penempatan pada bank lain
Savings deposits
10,044,861
6,836,377
6,649,457
Tabungan
Demand deposits
7,221,432
11,546,414
9,553,729
Giro
24,722,225
23,086,873
18,619,744
5,185,842
5,156,644
5,441,020
89.09%
85.25%
86.32%
2.60%
2.71%
3.48%
Time deposits Total equity Loan to deposits ratio Non-performing loan – gross Non-performing loan – net Capital adequacy ratio without market risk
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June 2008
Investor Newsletter
1.77%
1.91%
2.76%
18.47%
19.35%
22.13%
Deposito Total ekuitas LDR NPL – bruto NPL – bersih CAR tanpa risiko pasar
from overseas workers using the extensive Maybank network in Malaysia (and the region), trade services, treasury, insurance, internet banking and Sharia banking.
bagi BII di berbagai area, termasuk bisnis pengiriman uang dari TKI melalui jaringan Maybank di Malaysia (dan kawasan sekitar), trade services, tresuri, asuransi, internet banking, dan perbankan Syariah.
Net Interest Income. Spreads between average loan and average deposit rates of interest narrowed slightly from 4.24% in quarter two to 4.19% for the third quarter but remained higher than the level of 3.97% a year ago and net interest margin improved from 5.20% to 5.65% year on year. Net interest income increased 12% to Rp2 trillion. Steady expansion of the loan portfolio in itself and relative to other interest earning assets has continued to improve yields.
Pendapatan Bunga Bersih. Spread suku bunga ratarata antara kredit dan simpanan nasabah sedikit menurun dari 4,24% di Kuartal II menjadi 4,19% di Kuartal III, namun tetap lebih tinggi dibandingkan 3,97% setahun sebelumnya, sementara marjin bunga bersih (NIM) membaik dari 5,20% menjadi 5,65% (y-o-y). Pendapatan bunga bersih tumbuh 12% menjadi Rp2 triliun, didukung oleh tingkat pengembalian yang lebih baik akibat ekspansi portofolio kredit relatif terhadap pertumbuhan aktiva produktif lainnya.
Other Operating Revenues. The decline of 6% to Rp935 billion compare with the same period in 2007, represented a combination of several deferent elements including lower earning of foreign exchange business, and a gain in the fair value of marketable securities in the previous year.
Interest Income Sources
Sep 2008
Pendapatan Operasional Lain. Dibandingkan periode yang sama tahun 2007, penurunan pendapatan operasional lain sebesar 6% menjadi Rp935 miliar diakibatkan oleh beberapa faktor, termasuk penurunan pendapatan dari transaksi valuta asing, serta adanya pendapatan dari selisih nilai wajar surat-surat berharga pada tahun sebelumnya.
June 2008
Sep 2007
Bunga yang Diperoleh
3,373,031
2,190,477
Government bonds
393,459
261,599
567,762 Obligasi pemerintah
Marketable securities
301,773
220,848
472,517 Efek-efek
Placement with other banks
98,405
60,376
Sharia
25,598
16,640
Others
3,564
125
Loans (including consumer financing)
Interest Income (%) (as of Sep 30, 2008) Pendapatan Bunga (%) (per 30 Sep 2008)
2,848,753 Kredit (termasuk pembiayaan konsumen)
171,639 Penempatan pada bank lain 17,339 Syariah 1,886 Lain-lain
NPL Gross (%) (parent company) NPL Bruto (%) (perusahaan induk)
Loan (Rp trillion) Kredit (Rp triliun) 33.1
34.2
35.9
38.1
30.4
3.75
3.12
Sharia Syariah 0.6
2.83
2.77
Jun ‘08
Sep ‘08
3.00
Placement with Other Banks Penempatan pada Bank Lain 2.4 Marketable Securities Surat-surat Berharga 7.2 Government Bonds Obligasi Pemerintah 9.4 Loans & Consumer Financing Kredit & Pembiayaan Konsumen 80.4
Sep ‘07
Dec ‘07 Mar ‘08 Jun ‘08
Sep ‘08
Sep ‘07
Dec ‘07 Mar ‘08
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Other Operating Expenses. Other operating expenses grew 13% to Rp1,967 billion for the first nine months. The main contributing factor were higher provision, up 19% to Rp756 billion relating primarily to automotive credit, and an increase in general administrative expenses of 23% to Rp716 billion, reflecting the impact of inflation and cost in line with continued expansion of the Bank’s infrastructure. Business promotion costs were higher by Rp54 billion to Rp134 billion.
Beban Operasional Lain. Beban operasional lain meningkat 13% menjadi Rp1.967 miliar pada periode sembilan bulan pertama tahun 2008. Kontributor utama terhadap kenaikan tersebut adalah pembentukan penyisihan aktiva produktif sebesar 19% menjadi Rp756 miliar terutama untuk kredit otomotif, serta kenaikan 23% pada beban umum dan administrasi menjadi Rp716 yang mencerminkan dampak inflasi dan kenaikan biaya untuk perluasan infrastruktur BII. Pengeluaran biaya promosi naik sebesar Rp54 miliar menjadi Rp134 miliar.
FINANCIAL POSITION
POSISI KEUANGAN
Assets. Asset growth continued to be driven by higher yielding loans to customers which increased from 57% of total assets in 2007 to 66% in 2008. The level of investments in Government bonds has reduced from Rp9.8 trillion to Rp6.4 trillion.
Total Aktiva. Pertumbuhan aktiva terus didorong oleh peningkatan pada portofolio kredit yang memberikan pengembalian lebih tinggi, dimana porsinya meningkat dari 57% di tahun 2007 menjadi 66% dari total aktiva di tahun 2008. Investasi pada obligasi Pemerintah turun dari Rp9,8 triliun menjadi Rp6,4 triliun.
Consumer loans were 41% higher at Rp15.4 trillion driven by a 115% increase in auto loans to Rp5.8 trillion. SMEC loan growth of 35% to Rp13 trillion and Corporate lending up 24% to Rp9.5 trillion as the other major contributors, demonstrate the effectiveness of a strategic focus on core business
2007
Loan Classification Current Special mention Sub standard Doubtful Loss
2008
55.1
∆
∆ Sep07–Sep08
Sep
Dec
March
June
Sep
Dec07–Sep08
23,450 1,149 166 94 699
26,325 1,303 88 110 684
27,628 1,412 138 90 663
29,723 1,534 147 201 553
31,868 1,739 140 174 630
20% 34% 60% 58% -8%
Total Assets (Rp trillion) Total Aktiva (Rp triliun) 53.8
Kredit Konsumer meningkat 41% menjadi Rp15,4 triliun, didorong oleh pertumbuhan kredit otomotif sebesar 115% menjadi Rp5,8 triliun. Kontributor utama lainnya adalah Kredit UKM/Komersial yang tumbuh 35% menjadi Rp13 triliun, dan kredit Korporasi yang meningkat 24% menjadi Rp9,5 triliun,
54.7
Loan Composition (%) (as of Sep 30, 2008) Komposisi Kredit (%) (per 30 Sep 2008) 56.8
36% 52% -15% 126% -10%
Mining Pertambangan 3 Construction Konstruksi 5
4
Kurang lancar Diragukan Macet
Others Lain-lain 36
Social/Public Services Jasa-jasa Sosial/Masyarakat 1 Agriculture & Forestry Pertanian & Perburuan 3 Electricity, Gas & Water Listrik, Gas & Air 3
Dec ‘07 Mar ‘08
Dalam perhatian khusus
58.0 41.5 34.8
Sep ‘07
Lancar
Third-party Funds (Rp trillion) Dana Masyarakat (Rp triliun)
Manufacturing Perindustrian 17
Klasifikasi Kredit
Jun ‘08
Investor Newsletter
Sep ‘08
Transportation, Wharehouse & Communication Angkutan, Gudang & Komunikasi 8
37.0
42.0
38.0
Trading, Restaurants & Hotels Perdagangan, Restoran & Hotel 14 Business Services Jasa-jasa Dunia Usaha 10
Sep ‘07
Dec ‘07 Mar ‘08
Jun ‘08
Sep ‘08
segments by BII marketing teams. The loan portfolio remains well diversified and has generated sound growth. While expanding, BII has achieved a steady level of gross NPLs at 2.7% for SMEC borrowers and 2.8% for consumer credit. Provision coverage has improved from 53.05% in 2007 to 78.53% in 2008. Deposits from customers. Sustained investment in promotions, events and loyalty programmes, an effective wealth management re-launch and a succession of strategic tie-ups along with selected improvements to the BII franchise in terms of branch expansion and participation in ATM networks contributed to BII’s reputation among depositors. Low cost funds represent 41% of the total deposits from customers of Rp42 trillion up 21% from a level of Rp34.8 trillion a year ago. Time deposit balances have risen by 33% to Rp24.7 trillion. WOM Finance. Net profit for the period was Rp26 billion, on 17% growth in units financed for both new and second hand motorcycles. WOM Risk systems and improved MIS and IT systems are in place with all branches on line. Repossessed inventory continues to reduce and with an improvement in the quality of the portfolio, net bad debts have reduced from 12.8% at 2007 year end to 8%. In the growing markets of East Indonesia a further 13 new branches have been opened.
Deposit Composition (%) Komposisi Simpanan Nasabah (%) 27.4
27.4 25.9
29.7 25.9
29.7 27.8
sebagai hasil dari fokus strategis yang efektif dari upaya pemasaran pada segmen-segmen bisnis inti BII. Portofolio kredit tumbuh dengan sehat dan terdiversifikasi baik. Di tengah ekspansi kredit tersebut, tingkat kredit bermasalah (NPL) bruto tetap terjaga sebesar 2,7% untuk kredit UKM/Komersial dan 2,8% untuk kredit konsumer. Cakupan pencadangan kerugian kredit meningkat dari 53,05% di 2007 menjadi 78,53% di 2008. Simpanan nasabah. Reputasi BII di mata deposan terus meningkat, dipacu oleh investasi pada aktivitas promosi, penyelenggaraan acara dan program loyalti nasabah, peluncuran kembali layanan Wealth Management, dan beragam program kerjasama strategis, serta pengembangan nilai bisnis BII secara selektif terkait dengan perluasan jaringan kantor cabang dan partisipasi pada jaringan ATM. Porsi dana murah tercatat sebesar 41% dari total simpanan nasabah sebesar Rp42 triliun, yang merupakan peningkatan 21% dari Rp34,8 triliun setahun sebelumnya. Deposito berjangka tumbuh 33% menjadi Rp24,7 triliun. WOM Finance. Laba bersih pada periode ini tercatat sebesar Rp26 miliar, didukung oleh peningkatan sebesar 17% pada jumlah unit sepeda motor (baru maupun bekas) yang dibiayai. Perangkat pengendalian risiko, Management Information System (MIS) dan TI telah berjalan baik dengan seluruh cabang terhubung secara on-line. Inventaris sepeda motor yang disita kembali terus menurun, dan membaiknya kualitas portofoilo pembiayaan tercermin pada menurunnya tingkat kredit bermasalah (bersih) menjadi 8%, dari 12,8% di akhir tahun 2007. Sebanyak 13 kantor cabang baru telah dibuka untuk melayani pasar prospektif di kawasan Indonesia Bagian Timur.
Total Liabilities (Rp trillion) Total Kewajiban (Rp triliun)
17.2 27.8 48.4
49.8
49.6
Equity (Rp trillion) Ekuitas (Rp triliun) 51.7
5.4
52.8
5.3
5.1
5.2
5.2
Jun ‘08
Sep ‘08
23.9 19.1
19.4 19.1
19.4 17.7
17.7 16.5
53.5
54.7 53.5
54.7 52.6
55.7 52.6
16.5 58.9 55.7 Demand Deposits Giro Savings Deposits Tabungan Time Deposits Deposito
Sep ‘07 Dec ‘07 Mar ‘08 Jun ‘08
Sep ‘08
Sep ‘07
Dec ‘07 Mar ‘08 Jun ‘08
Sep ‘08
Sep ‘07
Dec ‘07 Mar ‘08
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CAR At 17.79% the capital adequacy ratio (with market risk charge) provides sufficient room to support future expansion.
CAR Tingkat kecukupan modal (dengan memperhitungkan risiko pasar) sebesar 17,79%, masih memberikan cukup ruang bagi ekspansi usaha ke depan.
BII Stock Performance (BNII) The highest share price was recorded in July 2008 at Rp480 while the largest trading volume was achieved in November 2007 with 1,139,879,000 shares traded.
Kinerja Saham BII (BNII) Harga saham tertinggi tercatat pada Juli 2008 sebesar Rp480, sementara volume perdagangan terbesar tercatat pada November 2007 dengan 1.139.879.000 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 increased micro small enterprise (UMK) financing in co-operation with three regional banks, namely BPR Bekasi Bina Tanjung Makmur, BPR Datu Binangkang and BPR Dhana Sewu Lampung under the BI Linkage Program scheme.
• BII meningkatkan penyaluran kredit usaha mikro kecil (UMK) bekerja sama dengan tiga Bank Prekreditan Rakyat (BPR), yaitu BPR Bekasi Bina Tanjung Makmur, BPR Datu Binangkang dan BPR Dhana Sewu Lampung di bawah skema Linkage Program.
• BII led a loan syndication raising US$29 million for PT Optima Sinergi Comvestama (Opsico) with participation by Bank Bukopin Tbk, Bank Ekspor Indonesia (Persero) and Bank Syariah Mandiri. The financing is for an LPG (Liquefied Petroleum Gas) Terminal development located at Tanjung Emas Port, Semarang, Central Java.
• BII memimpin penyaluran kredit sindikasi (loan syndication) senilai US$29 juta bersama dengan PT Bank Bukopin Tbk, PT Bank Ekspor Indonesia (Persero) dan PT Bank Syariah Mandiri (BSM) kepada PT Optima Sinergi Comvestama (Opsico). Fasilitas kredit sindikasi ini ditujukan untuk pembangunan Terminal LPG (Liquified Petroleum Gas) yang berlokasi di kawasan Pelabuhan Tanjung Emas, Semarang, Jawa Tengah.
• Bank Indonesia approved the change of 100% share ownership of Sorak Financial Holdings Pte. Ltd. from Fullerton Financial Holdings Pte. Ltd. and Kookmin Bank to Malayan Banking Berhad (Maybank) as well as agreed that subsidiary, Mayban Offshore Corporate Services Labuan Sdn. Bhd. (MOCS) as key shareholder, in relation to the tender offer from Maybank. • BII opened a new branch office in Manado in the Kawasan Mega Mas Boulevard Manado, and an auxiliary Branch Office (KCP) Tabanan on Jl. Gajah Mada, Tabanan, Bali. • BII and PT Lippo Karawaci signed a co-operation agreement to provide condominium financing for the St. Moritz Penthouse and Residences project. BII apartment loan facilities will be an exclusive for potential buyers. • BII co-operated with PT Arah Sejahtera Abadi, subsidiary of Agung Podomoro Group, providing BII apartment loan facilities potential buyers in the Kuningan City project.
• Bank Indonesia pada tanggal 21 Juli 2008 telah menyetujui perubahan kepemilikan 100% saham Sorak Financial Holdings Pte. Ltd. dari Fullerton Financial Holdings Pte. Ltd. dan Kookmin Bank kepada Malayan Banking Berhad (Maybank) serta menyetujui anak perusahaannya, Mayban Offshore Corporate Services Labuan Sdn. Bhd. (MOCS) sebagai Pemegang Saham Pengendali BII terkait dengan penawaran tender oleh Maybank. • BII meresmikan beroperasinya gedung baru Kantor Cabang Manado di Kawasan Mega Mas Boulevard Manado dan Kantor Cabang Pembantu Tabanan di Jl. Gajah Mada, Tabanan Bali. • BII dan PT Lippo Karawaci melakukan kerja sama untuk pembiayaan pembelian kondominium dengan fasilitas kredit pemilikan apartemen (KPA) BII eksklusif, untuk pembeli potensial mega proyek, The St. Moritz Penthouse and Residences. • BII bekerja sama dengan PT Arah Sejahtera Abadi, anak perusahaan Agung Podomoro Group dalam penyediaan fasilitas kredit pemilikan apartemen (KPA) BII kepada pembeli potensial proyek eksklusif, Kuningan City.
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CONSOLIDATED BALANCE SHEETS PT BANK INTERNASIONAL INDONESIA Tbk AS OF SEPTEMBER 30, 2008 AND 2007 (in million Rupiah)
NERACA KONSOLIDASI PT BANK INTERNASIONAL INDONESIA Tbk TANGGAL 30 SEPTEMBER 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 agreements a. Rupiah Allowance for possible losses on securities purchased under resale agreements -/ b. Foreign currencies Allowance for possible losses on securities purchased under resale agreements -/9. Derivative receivables Allowance for possible losses on derivative receivables -/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 i. Rupiah ii. Foreign currencies b. Istishna receivables i. Rupiah ii. Foreign currencies c. Qardh hiwalah receivables 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 Allowance for possible losses on leased assets -/24. Repossessed assets Allowance for possible losses on repossessed assets -/25. Other assets Total Assets
8
Investor Newsletter
Sep 30, ‘08
Sep 30, ‘07
Keterangan
1,497,047
944,848
3,061,084 – 1,767,577
2,755,729 1,274,366 –
176,770 477,972
52,207 189,574
201,000 (2,628) 1,165,996 (16,432)
130,000 (1,376) 2,482,093 (26,164)
255,410 – 213,410 42,000 (2,554) 1,092,557 – 1,092,557 – (11,016) 1,071,172
367,314 – 267,798 99,516 (3,673) 1,791,532 – 1,386,267 405,265 (18,179) 1,162,044
100,544 6,338,882 – –
27,030 9,767,724 – –
– –
– –
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 -/-
– –
– –
33,970 (205)
24,762 (248)
29,485,321 130,716 29,354,605 (682,515) 8,286,169 – 8,286,169 (220,345)
24,410,318 40,533 24,369,785 (369,320) 5,836,838 481 5,836,357 (156,794)
83,428 –
57,869 658
4,282 –
1,226 –
– – (892)
– – (552)
175,965 3,571 (3,869)
97,034 7,084 (2,866)
15,428 94 (71)
6,597 – (66)
950,678 (8,213) 5,652 (2,995) 88,667 460,130 309,418 – 359,138 1,289,859 (549,728) 40,961 (6,144) – – 48,623 (6,791) 641,112
624,276 (8,075) 14,383 (11,727) 135,681 394,191 317,717 – 168,828 1,256,118 (479,947) 40,961 (6,144) – – 37,113 (2,813) 525,722
57,974,079
53,813,893
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 i. Rupiah ii. Valuta asing b. Piutang istishna i. Rupiah ii. Valuta asing c. Piutang qardh hiwalah 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 SEPTEMBER 30, 2008 AND 2007 (in million Rupiah)
NERACA KONSOLIDASI PT BANK INTERNASIONAL INDONESIA Tbk TANGGAL 30 SEPTEMBER 2008 DAN 2007 (dalam jutaan Rupiah)
Liabilities and Equity Description 1. 2. 3. 4. 5. 6. 7.
Demand deposits a. Rupiah b. Foreign currencies Wadiah demand deposits a. Rupiah b. Foreign currencies Obligation due immediately Savings deposits Wadiah savings deposits Mudharabah savings deposits 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 Certificates of deposits a. Rupiah b. Foreign currencies Deposits from other banks Securities sold under repurchase agreement (repo)
8. Derivatives payable 9. Acceptances payable 10. Bond 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 reserve e. Funds for paid-in capital f. Differences arising from the translation of foreign currency 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 Sep 30, ‘08
Sep 30, ‘07
4,567,937 2,623,225
3,628,100 5,906,941
28,094 2,176 560,958 10,029,447 – 15,414
14,836 3,852 647,170 6,636,755 – 12,702
20,549,415 14,322 20,535,093 3,998,938 1,015 3,997,923
15,214,650 3,476 15,211,174 3,251,695 603 3,251,092
170,296 327 169,969 3,576 58 3,518
148,797 240 148,557 4,602 – 4,602
– – 1,029,242 983,458
– – 2,472,901 1,095,744
53,393 950,678
42,388 624,276
1,796,991 –
2,675,830 –
– 2,437,147 2,115,195 1,285,809 829,386 321,952 – 321,952 31,276 1,465 219,077 19,050 – 1,137,982
– 2,961,988 2,850,566 1,386,742 1,463,824 111,422 34,389 77,033 21,557 – 202,978 89,195 29,064 1,078,730
– 1,389,946
– 1,344,226
– – 189,056
– – 263,896
3,242,687 74,696 311,271 25,853 – (14,951)
3,230,522 88,731 190,699 21,805 – 96,231
– (449,550)
– (30,732)
– 1,995,836
– 1,843,764
57,974,079
53,813,893
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 yang belum direalisasi dari surat berharga dan obligasi pemerintah tersedia untuk dijual 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 SEPTEMBER 30, 2008 AND 2007 (in million Rupiah, except earnings per share which is stated in full amount)
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 injurred a. Rupiah b. Foreign currencies 2.2. Bonus and expenses sharing 2.3. Fees and commissions expense 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. Gain on increase in fair value of marketable securities and government bonds 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. Losses from decline in fair 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. 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 SEPTEMBER 2008 DAN 2007 (dalam jutaan Rupiah kecuali laba per saham yang disajikan dalam Rupiah penuh)
Sep 30, ‘08
Sep 30, 07
3,685,742 484,490 25,598
3,466,358 596,199 17,339
70,558 22,429 4,288,817
64,663 19,386 4,163,945
1,955,831 214,739 9,699 12,765 2,193,034 2,095,783
2,017,659 262,443 6,257 14,199 2,300,558 1,863,387
215,887 34,445 –
186,702 77,896 39,651
684,697 935,029 747,871
691,411 995,660 633,128
8,265
3,401
716,382 822,553 22,863
582,747 768,557 –
– 133,924 271,247 1,966,969 307,707
– 79,550 315,849 1,746,703 475,815
238,346 19,305 219,041 – 526,748 158,237 (36,937) 405,448 – (13,188) 392,260 1,810,003 (202,379) (4,048) 1,995,836 8.02 7.86
78,930 14,007 64,923 – 540,738 152,696 (18,167) 406,209 (274) 32,583 438,518 1,665,068 (253,484) (6,338) 1,843,764 9.07 9.00
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 non produktif
5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 16. 17. 18. 19. 20. 21. 22.
Beban estimasi kerugian komitmen dan kontinjensi 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 Pendapatan non operasional Beban non operasional Pendapatan non operasional – bersih Pendapatan/beban luar biasa Laba sebelum pajak penghasilan Taksiran pajak penghasilan -/Pajak tangguhan -/Laba setelah pajak penghasilan Laba sebelum akuisisi Hak minoritas -/Laba periode berjalan Saldo laba awal periode Dividen -/- Cadangan umum -/Saldo laba akhir periode Laba bersih per saham Laba bersih per saham dilusian
CONSOLIDATED STATEMENTS OF COMMITMENTS AND CONTINGENCIES PT BANK INTERNASIONAL INDONESIA Tbk AS OF SEPTEMBER 30, 2008 AND 2007 (in million Rupiah)
Description
LAPORAN KOMITMEN DAN KONTINJENSI KONSOLIDASI PT BANK INTERNASIONAL INDONESIA Tbk TANGGAL 30 SEPTEMBER 2008 DAN 2007 (dalam jutaan Rupiah)
Sep 30, ‘08
Sep 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
220,496
171,719
a.
Rupiah
b.
Foreign currencies
276,916
31,950
b.
Valuta asing
2.
Outstanding irrevocable L/C for export and import
747,576
412,013
2.
Irrevocable L/C yang masih berjalan dalam rangka impor dan ekspor
3.
Others
3.
Lainnya
Total commitment liabilities
–
–
Jumlah kewajiban komitmen
1,244,988
615,682
(1,244,988)
(615,682)
TOTAL COMMITMENTS - NET CONTINGENCIES
JUMLAH KOMITMEN BERSIH KONTINJENSI
Contingent receivables
Tagihan kontinjensi
1.
Guarantees received
1.
Garansi yang diterima
a.
Rupiah
b.
Foreign currencies
2.
Past due interest revenues
a.
Rupiah
b.
Foreign currencies
3.
Others
Total contingent receivables
Contingent liabilities
47,676
17,147
a.
Rupiah
8,255
24,501
b.
Valuta asing
2.
Pendapatan bunga dalam penyelesaian
249,683
230,678
a.
Rupiah
62,114
69,493
b.
Valuta asing
–
–
3.
Lainnya
367,728
341,819
Jumlah tagihan kontinjensi
Kewajiban kontinjensi
1. Guarantees issued
1. Garansi yang diberikan
a.
Bank guarantees
a.
Bank garansi
–
Rupiah
678,324
478,765
–
Rupiah
–
Foreign currencies
316,285
269,201
–
Valuta asing
b.
Others
443,132
343,071
b.
Lainnya
2.
Outstanding revocable L/C for export and import
–
–
2.
Revocable L/C yang masih berjalan dalam rangka impor dan ekspor
3.
Others
Total contingent liabilities
TOTAL CONTINGENCIES - NET
–
–
3.
Lainnya
1,437,741
1,091,037
Jumlah kewajiban kontinjensi
(1,070,013)
(749,218)
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.
55.51%
Public • Masyarakat < 5%
28.60%
Public • Masyarakat > 5% Goldman Sachs New York Segregated Account Aranda Investments (Mauritius) Pte. Ltd. Total
9.89% 6.00% 100.00%
NOTES: 1. The consolidated financial information as at and for the nine months period ended September 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 of Bank Indonesia 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 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 in accordance 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 refer to 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 September 30, 2008 and 2007, the exchange rates used for USD1 to Rupiah were Rp9,430 and Rp9,145, respectively. CATATAN: 1. Informasi keuangan konsolidasi pada dan untuk periode sembilan bulanan yang berakhir 30 September 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 Peraturan Bapepam No. VIII.G.7, Lampiran Keputusan Ketua Bapepam No. Kep-06/ PM/2000 tanggal 13 Maret 2000 tentang “Pedoman Penyajian Laporan Keuangan”, jo Peraturan Bapepam No. X.K.2, Lampiran Keputusan Ketua Bapepam No. Kep-36/ PM/2003 tanggal 30 September 2003 tentang “Kewajiban Penyampaian Laporan Keuangan Berkala”. 2. Nilai tukar mata uang untuk USD1 per tanggal 30 September 2008 dan 2007 masing-masing adalah Rp9.430 dan Rp9.145.
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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