TANGGAL 28 SEPTEMBER 2016 DISCLOSURE OF QUANTITATIVE RISK EXPOSURES INFORMATION BASED ON OJK CIRCULAR LETTER (SE OJK)

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1 PENGUNGKAPAN INFORMASI KUANTITATIF EKSPOSUR RISIKO BERDASARKAN SURAT EDARAN OTORITAS JASA KEUANGAN (SE OJK). /SEOJK.0/0 TANGGAL 8 SEPTEMBER 0 DISCLOSURE OF QUANTITATIVE RISK EXPOSURES INFORMATION BASED ON OJK CIRCULAR LETTER (SE OJK). /SEOJK.0/0 DATED 8 SEPTEMBER 0. PT Bank Commonwealth (PTBC) tidak memiliki entitas anak, sehingga PTBC hanya mencantumkan pengungkapan informasi kuantitatif eksposur risiko secara individu. PT Bank Commonwealth (PTBC) has no subsidiaries, thus PTBC only disclose quantitative risk exposures information as an individual bank.. Pengungkapan informasi kuantitatif eksposur risiko hanya disajikan pada Laporan Publikasi Triwulanan posisi akhir bulan Juni pada Situs Web Bank. Disclosure of quantitative risk exposures information is only presented for Quarterly Published Financial Statements as of end of June into the Bank's website.. Pengungkapan informasi kuantitatif eksposur risiko disajikan dalam bentuk perbandingan dengan laporan periode yang sama tahun sebelumnya. Khusus untuk pengungkapan yang pertama kali yaitu posisi Juni 0, Bank tidak perlu melakukan perbandingan dengan tahun sebelumnya. Disclosure of quantitative risk exposures information is presented in comparison with the same period of the previous year. Specifically for the first time of disclosure of Jun 0 period, the Bank is not required to provide the comparison with the previous year.. PTBC tidak memiliki eksposur Repo, Sekuritisasi Aset, dan eksposur yang menimbulkan risiko kredit akibat kegagalan setelmen per akhir bulan Juni 0. Oleh karena itu, PTBC tidak menyajikan tabel yang berhubungan dengan pengungkapan-pengungkapan eksposur tersebut. PTBC has no Repo, Asset Securitization, and exposures in settlement risk as of June 0. Thus, PTBC did not present the tables which are relating to those exposures.

2 Pengungkapan Tagihan Bersih Berdasarkan Wilayah - Bank Secara Individu Disclosure of Net Receivables by Region - Bank Only Jawa Bali, NTB & NTT Sumatera Kalimantan Sulawesi Maluku Irian Total () () () () () () () (8) (9) (0) Pembangunan Multilateral dan Lembaga Internasional Kredit Beragun Rumah Tinggal Loan Secured by Residential Properties Kredit Beragun Properti Komersial Loan Secured by Commercial Properties Kredit Pegawai/Pensiunan Employee/Pensioner Loans Tagihan yang Telah Jatuh Tempo Past Due Receivables Aset Lainnya Other Assets Kategori Portofolio Portfolio Category 0 Juni 0 / 0 June 0 Tagihan Bersih Berdasarkan Wilayah / Net Receivables by Region,0,8,0, ,, -,99 -,80,0 88,0,,,89,9-800,0,, 0,9, - -,,80,, ,89,9, 9,,99, 8,9 9,9,,890,,98,0,09,90, - -,8,, 9,9, 9,,09-8, 8,9 9,0,80 9,90, ,0 Total,9,9 0,8,00,8 88,0,9 9 8,9 0,0,8

3 Pengungkapan Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak - Bank Secara Individu Disclosure of Net Receivables by Contractual Remaining Maturity - Bank Only 0 Juni 0 / 0 June 0 Kategori Portofolio Portfolio Category tahun year > thn s.d. thn > - years Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak / Net Receivables by Contractual Remaining Maturity > thn s.d. thn > - years > thn > years n-kontraktual n-contractual Total () () () () () () () (8) Pembangunan Multilateral dan Lembaga Internasional Kredit Beragun Rumah Tinggal Loan Secured by Residential Properties Kredit Beragun Properti Komersial Loan Secured by Commercial Properties Kredit Pegawai/Pensiunan Employee/Pensioner Loans Tagihan yang Telah Jatuh Tempo Past Due Receivables Aset Lainnya Other Assets,,0 9,9,,0,8,9,0,8,0,, ,0,80,0,0,9 0,0 88, -,0, 0,89, 9,98,89 -, 99,8 9,9 -,89 89,,8,,9, 8,989,,,890,,0 8,,0 8,8,0,8, 9,0,99 9,90,9-8, - 9,0 9,0 Total 0,,8,9,,90,0,8,,80, 0,0,8

4 Pengungkapan Tagihan Bersih Berdasarkan Sektor Ekonomi - Bank Secara Individu Disclosure of Net Receivables by Economic Sector - Bank Only Sektor Ekonomi Economic Sector Tagihan Kepada Pemerintah Receivables from Government Tagihan Kepada Entitas Sektor Publik Receivables from Public Sector Entities Pembangunan Multilateral dan Lembaga Internasional Receivables from Multilateral Development Banks and International Institutions Receivables from Banks Kredit Beragun Rumah Tinggal Loan Secured by Residential Properties Kredit Beragun Properti Komersial Loan Secured by Commercial Properties Kredit Pegawai/ Pensiunan Employee/ Pensioner Loans Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel Receivables from Micro, Small and Retail Portfolios Tagihan Kepada Korporasi Receivables from Corporates Tagihan yang Telah Jatuh Tempo Past Due Receivables Aset Lainnya Other Assets Total () () () () () () () (8) (9) (0) () () () () 0 Juni 0 / 0 June Pertanian, perburuan dan kehutanan Agriculture, hunting and forestry Perikanan Fishery Pertambangan dan penggalian Mining and excavation Industri pengolahan Manufacturing Listrik, gas dan air Electricity, gas and water Konstruksi Construction Perdagangan besar dan eceran Wholesale and retail trading Penyediaan akomodasi dan penyediaan makan minum Accomodation, food, and beverage supply Transportasi, pergudangan dan komunikasi Transportation, warehousing and communication Perantara keuangan Financial intermediaries Real estate, usaha persewaan dan jasa perusahaan Real estate, rental and corporate services Administrasi pemerintahan, pertanahan dan jaminan sosial wajib Government administration, defense and compulsory social security Jasa pendidikan Education services Jasa kesehatan dan kegiatan sosial Health and social services Jasa kemasyarakatan, sosial budaya, hiburan dan perorangan lainnya Community, sociocultural, entertainment and other individual services Jasa perorangan yang melayani rumah tangga Individual household services Badan internasional dan badan ekstra internasional lainnya International and other extra international agencies Kegiatan yang belum jelas batasannya Undefined business activities Bukan lapangan usaha n business activities Lainnya Others - 8,8 - -,0 -,9, - -, , ,8 - -, - 88,,,08 8,8 -,,9 -,88 - -,0 -,8 99,, - 9, , 89 9,,,80 00,9 -,0,8 - -,80-8,0, - -, - -,09 -,9 8,88 - -,,9,8 - -,80,0 8,0 - -,8,9 - -, -,99,0,8-8, ,, - -,99 -,,9 - -, - -,9 -,908 99,90 - -,0 -,0, -,0,,,,9 -,0,88,9,89 -,088-9,0,980,0 Total,0,8 - -,80,0,0,,,89,,890,8, 8, 9,0 0,0,8

5 Pengungkapan Tagihan dan Pencadangan Berdasarkan Wilayah - Bank Secara Individu Disclosure of Gross Receivables and Allowances by Region - Bank Only Keterangan Description 0 Juni 0 / 0 June 0 Wilayah / Region Jawa Bali, NTB & NTT Sumatera Kalimantan Sulawesi Maluku Irian Total () () () () () () () (8) (9) (0) Tagihan Gross Receivables,9,9 0,9,0,,98 9,0 9 8, 0,0,9 Tagihan yang mengalami penurunan nilai (impaired) Impaired receivables a. Belum jatuh tempo n past due 90,8,, ,88 b. Telah jatuh tempo Past due 8,9, 9,,,8-8 8, Cadangan Kerugian Penurunan Nilai (CKPN) - Individual Allowance for impairment losses - Individual,0,8,0, - -, Cadangan Kerugian Penurunan Nilai (CKPN) - Kolektif Allowance for impairment losses - Collective 9,8,,98,8,8 9 80, Tagihan yang dihapus buku Receivables written-off 09,9,,,9 0 0,8

6 Pengungkapan Tagihan dan Pencadangan Berdasarkan Sektor Ekonomi - Bank Secara Individu Disclosure of Gross Receivables and Allowances by Economic Sector - Bank Only Sektor Ekonomi Economic Sector Tagihan Gross Receivables Tagihan yang mengalami penurunan nilai (impaired) Impaired receivables Belum Jatuh Tempo n Past Due Telah Jatuh Tempo Past Due Cadangan Kerugian Penurunan Nilai (CKPN) - Individual Allowance for Impairment Losses - Individual Cadangan Kerugian Penurunan Nilai (CKPN) Kolektif Allowance for Impairment Losses - Collective Tagihan Yang Dihapus Buku Receivables writtenoff () () () () () () () (8) 0 Juni 0 / 0 June 0 Pertanian, perburuan dan kehutanan Agriculture, hunting and forestry, Perikanan Fishery Pertambangan dan penggalian Mining and excavation Industri pengolahan Manufacturing Listrik, gas dan air Electricity, gas and water Konstruksi Construction Perdagangan besar dan eceran Wholesale and retail trading Penyediaan akomodasi dan penyediaan makan minum Accomodation, food, and beverage supply Transportasi, pergudangan dan komunikasi Transportation, warehousing and communication Perantara keuangan Financial intermediaries Real estate, usaha persewaan dan jasa perusahaan Real estate, rental and corporate services Administrasi pemerintahan, pertanahan dan jaminan sosial wajib Government administration, defense and compulsory social security Jasa pendidikan Education services Jasa kesehatan dan kegiatan sosial Health and social services Jasa kemasyarakatan, sosial budaya, hiburan dan perorangan lainnya Community, sociocultural, entertainment and other individual services Jasa perorangan yang melayani rumah tangga Individual household services Badan internasional dan badan ekstra internasional lainnya International and other extra international agencies Kegiatan yang belum jelas batasannya Undefined business activities Bukan lapangan usaha n business activities Lainnya Others,0 0 -,8,0 08,99 -,8, 9,,8, 8,0,0 9,89,0 888,,09,0 80,,,,9 8,8,09,,,9-9 9,,00,,98-9,8 -,8 8,8 - -,99 -, -,0 9 0,80,,,9,9 9,,9,9, Total 0,0,9,88 8,, 80, 0,8

7 Pengungkapan Rincian Mutasi Cadangan Kerugian Penurunan Nilai - Bank Secara Individu Disclosure of Allowance for Impairment Losses Movement Detail - Bank Only 0 Juni 0 / 0 June 0 Keterangan Description CKPN Individual Allowance for Impairment Losses - Individual CKPN Kolektif Allowance for Impairment Losses - Collective () () () () Saldo awal CKPN 8,,0 Allowance for impairment losses - beginning balance Pembentukan (pemulihan) CKPN pada periode berjalan (net) Charge (release) of impairment provision for the current year (net).a Pembentukan CKPN pada periode berjalan Charge of impairment provision for the current year.b Pemulihan CKPN pada periode berjalan Release of impairment provision for the current year,0,8 9,0 (,,0) (,) CKPN yang digunakan untuk melakukan hapus buku atas tagihan pada periode berjalan Impairment provision for write off for the current year (90,) (9,0) Pembentukan (pemulihan) lainnya pada periode berjalan Other charge (release) for the current year (,9) () Saldo akhir CKPN Allowance for impairment losses - ending balance, 80,

8 Pengungkapan Tagihan Bersih Berdasarkan Kategori Portofolio dan Skala Peringkat - Bank Secara Individu Disclosure of Net Receivables by Portfolio Category and Rating Scale - Bank Only 0 Juni 0 / 0 June 0 Tagihan Bersih / Net Receivables Lembaga Pemeringkat Rating Agencies Peringkat Jangka Panjang / Long Term Rating Peringkat Jangka Pendek / Short Term Rating Standard and Poor's AAA AAA AA+ s.d AA- AA+ to AA- A+ s.d A- A+ to A- BBB+ s.d BBB- BBB+ to BBB- BB+ s.d BB- BB+ to BB- B+ s.d B- B+ to B- Kurang dari B- Below B- A- A- A- A- A- A- Kurang dari A- Below A- Kategori Portofolio Portfolio Category Fitch Ratings Moody's AAA AAA Aaa Aaa AA+ s.d AA- AA+ to AA- Aa s.d Aa Aa to Aa A+ s.d A- A+ to A- A s.d A A to A BBB+ s.d BBB- BBB+ to BBB- Baa s.d Baa Baa to Baa BB+ s.d BB- BB+ to BB- Ba s.d Ba Ba to Ba B+ s.d B- B+ to B- B s.d B B to B Kurang dari B- Below B- Kurang dari B Below B F+ s.d F F+ to F P- P- F F P- P- F F P- P- Kurang dari F Below F Kurang dari P- Below P- Tanpa Peringkat Unrated Total PT. Fitch Ratings Indonesia AAA (idn) AAA (idn) AA+(idn) s.d AA- (idn) AA+(idn) to AA- (idn) A+(idn) s.d A-(idn) A+(idn) to A-(idn) BBB+(idn) s.d BBB- (idn) BBB+(idn) to BBB- (idn) BB+(idn) s.d BB- (idn) BB+(idn) to BB- (idn) B+(idn) s.d B-(idn) B+(idn) to B-(idn) Kurang dari B- (idn) Below B-(idn) F+(idn) s.d F(idn) F+(idn) to F(idn) F(idn) F(idn) F(idn) F(idn) Kurang dari F(idn) Below F(idn) PT. Pemeringkat Efek Indonesia idaaa idaaa idaa+ s.d idaaidaa+ to idaaida+ s.d idaida+ to idaidbbb+ s.d idbbbidbbb+ to idbbbidbb+ s.d idbbidbb+ to idbbidb+ s.d idbidb+ to idb- Kurang dari idb- Below idb- IdA IdA ida ida ida s.d ida ida to ida Kurang dari ida Below ida () () () () () () () (8) (9) (0) () () () () () () Pembangunan Multilateral dan Lembaga Internasional Kredit Beragun Rumah Tinggal Loan Secured by Residential Properties Kredit Beragun Properti Komersial Loan Secured by Commercial Properties Kredit Pegawai/Pensiunan Employee/Pensioner Loans Tagihan yang Telah Jatuh Tempo Past Due Receivables Aset Lainnya Other Assets,, -,09,0, ,8,0,9 9,89 -, 9,98,80,0,0,,0,,,,89,89,,890,, ,8,,8, 8, 8, 9,0 9,0 TOTAL 0,8,0,9 9,89,,,,,9 0,0,8

9 Pengungkapan Risiko Kredit Pihak Lawan: Transaksi Derivatif Over the Counter - Bank Secara Individu Disclosure of Counterparty Credit Risk: Derivative Transactions Over the Counter - Bank Only 0 Juni 0 / 0 June 0 tional Amount Variabel yang Mendasari Underlying Financial Instruments < Tahun Year > Tahun - < Tahun > Year - Years > Tahun > Years Tagihan Derivatif Derivative Receivables Kewajiban Derivatif Derivative Payables Tagihan Bersih Sebelum MRK Net Receivables before CRM MRK CRM Tagihan Bersih Setelah MRK Net Receivables after CRM Suku Bunga Interest Rate Nilai Tukar Foreign Exchange Lainnya Others - -, TOTAL,

10 Pengungkapan Risiko Kredit Pihak Lawan: Transaksi Reverse Repo - Bank Secara Individu Disclosure of Counterparty Credit Risk: Reverse Repo Transactions - Bank Only Kategori Portofolio Portfolio Category Tagihan Bersih Net Receivables 0 Juni 0 / 0 June 0 Nilai MRK CRM Amount Tagihan Bersih setelah MRK Net Receivables after CRM ATMR setelah MRK RWA after CRM () () () () () (),8 -,8 - - Pembangunan Multilateral dan Lembaga Internasional TOTAL,8 -,8 - Tagihan bersih Reverse Repo termasuk pendapatan bunga yang akan diterima sebesar Rp. 88 juta Net Receivables of Reverse Repo is included interest receivable of Rp. 88 million

11 Pengungkapan Tagihan Bersih Berdasarkan Bobot Risiko Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit- Bank Secara Individu Disclosure of Net Receivables Based on Risk Weight after Credit Risk Mitigation Impact - Bank Only *) Beban modal dihitung berdasarkan Kewajiban Penyediaan Modal Minimum (KPMM) sesuai Profil Risiko Bank. Rasio KPMM sesuai Profil Risiko Bank per 0 Juni 0 adalah sebesar 9,8%. Capital charge is calculated based on Minimum Capital Requirement per Bank's Risk Profile. Minimum Capital Requirement per Bank's Risk Profile as of 0 June 0 is 9.8%. 0% 0% % 0% % 0% % 00% 0% Lainnya Others () () () () () () () (8) (9) (0) () () () () A B C Kategori Portofolio Portfolio Category Eksposur Neraca On Balance Sheet Exposures Pembangunan Multilateral dan Lembaga Internasional Kredit Beragun Rumah Tinggal Loan Secured by Residential Properties Kredit Beragun Properti Komersial Loan Secured by Commercial Properties Kredit Pegawai/Pensiunan Employee/Pensioner Loans Tagihan yang Telah Jatuh Tempo Past Due Receivables Aset Lainnya Other Assets Total Eksposur Neraca Total On Balance Sheet Exposures Eksposur Kewajiban Komitmen/Kontinjensi pada Transaksi Rekening Administratif Commitments/Contingencies Liabilities Exposures on Off Balance Sheet Transactions Pembangunan Multilateral dan Lembaga Internasional Kredit Beragun Rumah Tinggal Loan Secured by Residential Properties Kredit Beragun Properti Komersial Loan Secured by Commercial Properties Kredit Pegawai/Pensiunan Employee/Pensioner Loans Tagihan yang Telah Jatuh Tempo Past Due Receivables Total Eksposur TRA Total Off Balance Sheet Exposures Eksposur Akibat Kegagalan Pihak Lawan Counterparty Credit Risk Exposures Pembangunan Multilateral dan Lembaga Internasional Total Eksposur Akibat Kegagalan Pihak Lawan Total Counterparty Credit Risk Exposures 0 Juni 0 / 0 June 0 Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit / Net Receivables after Credit Risk Mitigation Impact Beban Modal *) Capital Charge *),9, ,990,,,99,09,0 0 -,0,,0, -, -,,0 00 -,9 0,89,0 8, - -,,90 - -,89,9 0,8 9,0,,9 -,,9 90, 8, 09,,80,8, 9,,88,,,,8,,,0, - -,9,,90,8,,90 -,,8,09, , - -, - -,08 0,89 9,8-9,8, - - 8,0 - -, 9, ,0,8, , ATMR RWA

12 Pengungkapan Tagihan Bersih dan Teknik Mitigasi Risiko Kredit - Bank Secara Individu Disclosure of Net Receivables and Credit Risk Mitigation Technique - Bank Only Kategori Portofolio Portfolio Category Tagihan Bersih Net Receivables Definisi agunan adalah merujuk pada agunan keuangan yang diakui dalam teknik Mitigasi Risiko Kredit (MRK) Collateral definition is referred to eligible financial collateral in Credit Risk Mitigation (CRM) technique Agunan Collaterals 0 Juni 0 / 0 June 0 Bagian Yang Dijamin Dengan / Portion Secured by Garansi Guarantee Asuransi Kredit Credit Insurance Lainnya Others Bagian Yang Tidak Dijamin Unsecured Portion () () () () () () () (8) = ()-[()+()+()+()] A Eksposur Neraca On Balance Sheet Exposures,9,99,9, Pembangunan Multilateral dan Lembaga Internasional - -,80,0, ,,0 Kredit Beragun Rumah Tinggal Loan Secured by Residential Properties,0, 0 - -,0, Kredit Beragun Properti Komersial Loan Secured by Commercial Properties,, Kredit Pegawai/Pensiunan Employee/Pensioner Loans, ,9 8,, 8, - -,,90 9,,0 9,0 - -,,9 0 Tagihan yang Telah Jatuh Tempo Past Due Receivables 8, - -,90 Aset Lainnya Other Assets 9,0 9,0 Total Eksposur Neraca Total On Balance Sheet Exposures 9,8,,0 9,,99 B Eksposur Kewajiban Komitmen/Kontinjensi pada Transaksi Rekening Administratif Commitments/Contingencies Liabilities Exposures on Off Balance Sheet Transactions Pembangunan Multilateral dan Lembaga Internasional Kredit Beragun Rumah Tinggal Loan Secured by Residential Properties - - Kredit Beragun Properti Komersial Loan Secured by Commercial Properties Kredit Pegawai/Pensiunan Employee/Pensioner Loans - - 8,8, - -, 9,9, ,8 0 Tagihan yang Telah Jatuh Tempo Past Due Receivables - - Total Eksposur TRA Total Off Balance Sheet Exposures 8,99 8,0 0,9 C Eksposur Akibat Kegagalan Pihak Lawan Counterparty Credit Risk Exposures,8,8 - - Pembangunan Multilateral dan Lembaga Internasional Total Eksposur Akibat Kegagalan Pihak Lawan Total Counterparty Credit Risk Exposures 8,,8 9 Total (A+B+C) 0,0,8,0 9,88,9

13 Perhitungan ATMR Risiko Kredit dengan Menggunakan Pendekatan Standar - Bank Secara Individu Credit RWA Calculation under Standardized Approach - Bank Only Pengungkapan Eksposur Aset di Neraca Disclosure of On Balance Sheet Exposures 0 Juni 0 / 0 June 0 Kategori Portofolio Tagihan Bersih ATMR Sebelum MRK ATMR Setelah MRK Portfolio Category Net Receivables RWA before CRM RWA after CRM () () () () (),9, Pembangunan Multilateral dan Lembaga Internasional Kredit Beragun Rumah Tinggal Loan Secured by Residential Properties Kredit Beragun Properti Komersial Loan Secured by Commercial Properties Kredit Pegawai/Pensiunan Employee/Pensioner Loans Tagihan yang Telah Jatuh Tempo Past Due Receivables Aset Lainnya Other Assets,80,0,09,09,0,,08,0,,,,89 0,9 0,89,,,9,98,89,9,,0,,0,,9 8,,8,80 9,0 -, TOTAL 9,8,,8,,,8

14 Pengungkapan Eksposur Kewajiban Komitmen/Kontinjensi pada Transaksi Rekening Administratif Disclosure of Commitments/Contingencies Liabilities Exposures on Off Balance Sheet Transactions 0 Juni 0 / 0 June 0 Kategori Portofolio Tagihan Bersih ATMR Sebelum MRK ATMR Setelah MRK Portfolio Category Net Receivables RWA before CRM RWA after CRM () () () () () Pembangunan Multilateral dan Lembaga Internasional Kredit Beragun Rumah Tinggal Loan Secured by Residential Properties Kredit Beragun Properti Komersial Loan Secured by Commercial Properties Kredit Pegawai/Pensiunan Employee/Pensioner Loans Tagihan yang Telah Jatuh Tempo Past Due Receivables,8,9,08,9,9 9,8 TOTAL 8,99 8,8 0,0

15 Pengungkapan Eksposur yang Menimbulkan Risiko Kredit Akibat Kegagalan Pihak Lawan Disclosure of Counterparty Credit Risk Exposures 0 Juni 0 / 0 June 0 Kategori Portofolio Tagihan Bersih ATMR Sebelum MRK ATMR Setelah MRK Portfolio Category Net Receivables RWA before CRM RWA after CRM () () () () (),8 - - Pembangunan Multilateral dan Lembaga Internasional Eksposur tertimbang dari Credit Valuation Adjustment (CVA) Weighted exposure from Credit Valuation Adjustment (CVA) 9 9 TOTAL 8, Total Pengukuran Risiko Kredit Total Credit Risk Measurement TOTAL ATMR RISIKO KREDIT TOTAL CREDIT RISK RWA TOTAL FAKTOR PENGURANG MODAL TOTAL CAPITAL DEDUCTION FACTORS 0 Juni 0 / 0 June 0,9,0 -

16 Pengungkapan Risiko Pasar Dengan Menggunakan Metode Standar Disclosure of Market Risk under Standardized Approach 0 Juni 0 / 0 June 0 Jenis Risiko / Risk Type Beban Modal Capital Charge Individual / Bank ATMR RWA () () () () Risiko Suku Bunga Interest Rate Risk a. Risiko Spesifik Specific Risk b. Risiko Umum General Risk Risiko Nilai Tukar Foreign Exchange Risk Risiko Ekuitas *) Equity Risk *) Risiko Komoditas *) Commodity Risk *) Risiko Option Option Risk *) Untuk bank yang memiliki perusahaan anak yang memiliki eksposur risiko dimaksud For bank that has subsidiaries with the above risks - -,8,, 0, Total,,00

17 Pengungkapan Eksposur Interest Rate Risk in Banking Book (IRRBB) Disclosure of Interest Rate Risk in Banking Book (IRRBB) Exposures a. Earning Approach (in millions of Rupiah) Pengaruh terhadap pendapatan bunga bersih Impact to net interest income Peningkatan Paralel % Increase of % 0 Juni 0 0 June 0 Penurunan Paralel % Decrease of % Total CCY,90 (,90) b. Economic Value Approach (in millions of Rupiah) Pengaruh terhadap pendapatan bunga bersih Impact to net interest income Peningkatan Paralel % Increase of % 0 Juni 0 0 June 0 Penurunan Paralel % Decrease of % IDR USD AUD & Other CCY () () 9 (9) Economic Value Approach menggunakan metode net PVO Economic Value Approach uses net PVO method

18 Pengungkapan Profil Maturitas Rupiah - Bank secara Individu Disclosure of Maturity Profile Rupiah - Bank only Pos-Pos Accounts Saldo Balance < bulan month > bln s.d bln > month to 0 Juni 0 0 June 0 Jatuh tempo Maturity > bln s.d bln > to > bln s.d bln > to > bln > () () () () () () () (8) I NERACA ON BALANCE SHEET A Aset Assets Kas Cash,9 -,9 Penempatan pada Bank Indonesia Placement to Bank Indonesia,9,0 98,800,0,80 9,8 - Penempatan pada bank lain Placement to other banks,8,8 - Surat Berharga Marketable Securities,98 - -,00 -,9 Kredit yang diberikan Loans,8,98,0,,,0,9,8,0,, Tagihan lainnya Other receivables 99,08,8,9 Lain-lain Others 0,08-0,08 Toal Aset Total Assets,8,8,099,,,,0,8,,88,,00 Kewajiban B Liabilities Dana pihak ketiga Third party funds Kewajiban Pada Bank Indonesia Liabilities to Bank Indonesia Kewajiban Pada Bank Lain Liabilities to other banks Surat Berharga yang Diterbitkan Issued marketable securities Pinjaman yang Diterima Borrowings Kewajiban lainnya Other liabilities Lain-lain Others Total Kewajiban Total Liabilities Selisih Aset dengan Kewajiban dalam Neraca Net of Assets with Liabilities in On Balance Sheet 0,,8,0,,,0,,9,90,0, 8, 9,88 -,0 8,000-80,8, ,08,0,0,,8,,,9,,90,,0,8,89 (,0) (,00,9) (,),9,9,0,9

19 Pengungkapan Profil Maturitas Rupiah - Bank secara Individu Disclosure of Maturity Profile Rupiah - Bank only Pos-Pos Accounts Saldo Balance < bulan month > bln s.d bln > month to 0 Juni 0 0 June 0 Jatuh tempo Maturity > bln s.d bln > to > bln s.d bln > to > bln > () () () () () () () (8) REKENING ADMINISTRATIF II OFF BALANCE SHEET A Tagihan Rekening Administratif Off Balance Sheet Receivables Komitmen Commitments Kontijensi Contingencies Total Tagihan Rekening Administratif Total Off Balance Sheet Receivables,89 -,89,89 -,89 B Kewajiban Rekening Administratif Off Balance Sheet Liabilities Selisih Kumulatif Net Cummulative Komitmen Commitments Kontijensi Contingencies Total Kewajiban Rekening Administratif Total Off Balance Sheet Liabilities Selisih Tagihan dan Kewajiban dalam Rekening Administratif Net of Receivables with Liabilities in Off Balance Sheet Selisih [(IA-IB)+(IIA-IIB)] Net [(IA-IB)+(IIA-IIB)],,9,98,0,0 9,,,9,,0,0 9,8,80,9,9,9,,8,0, 8, (,0,) (,9) (,) (,8) (,0,),8,, (09,) (,,) (99,90),9,9,0,08 (09,) (,0,80) (,09,80) (,99,89),,

20 Pengungkapan Profil Maturitas Valuta Asing - Bank secara Individu Disclosure of Maturity Profile Foreign Currency - Bank only Pos-Pos Accounts Saldo Balance < bulan month > bln s.d bln > month to 0 Juni 0 0 June 0 Jatuh tempo Maturity > bln s.d bln > to > bln s.d bln > to > bln > () () () () () () () (8) I NERACA ON BALANCE SHEET A Aset Assets Kas Cash 80, - 80, Penempatan pada Bank Indonesia Placement to Bank Indonesia,9,,9, - Penempatan pada bank lain Placement to other banks,98,09,98,09 - Surat Berharga Marketable Securities,09,0,8,8 Kredit yang diberikan Loans, - 8,00,9, 0,9 Tagihan lainnya Other receivables,90,88 Lain-lain Others 90,909-90,909 Toal Aset Total Assets,909,8,9,8 9,9,9 9,8,00, Kewajiban B Liabilities Dana pihak ketiga Third party funds Kewajiban Pada Bank Indonesia Liabilities to Bank Indonesia Kewajiban Pada Bank Lain Liabilities to other banks Surat Berharga yang Diterbitkan Issued marketable securities Pinjaman yang Diterima Borrowings Kewajiban lainnya Other liabilities Lain-lain Others Total Kewajiban Total Liabilities Selisih Aset dengan Kewajiban dalam Neraca Net of Assets with Liabilities in On Balance Sheet,08,99 9,9 0,8 0,0,0,, 8,88 8,88 -,0 9,0,9 -,9,8,0,0 0,90 0,0,0,99,,8,8,9 (,98) (8,8) 9, (,9,)

21 Pengungkapan Profil Maturitas Valuta Asing - Bank secara Individu Disclosure of Maturity Profile Foreign Currency - Bank only Pos-Pos Accounts Saldo Balance < bulan month > bln s.d bln > month to 0 Juni 0 0 June 0 Jatuh tempo Maturity > bln s.d bln > to > bln s.d bln > to > bln > () () () () () () () (8) II REKENING ADMINISTRATIF OFF BALANCE SHEET A Tagihan Rekening Administratif Off Balance Sheet Receivables Komitmen Commitments,9,9,0 Kontijensi Contingencies,8 -,8 Total Tagihan Rekening Administratif Total Off Balance Sheet Receivables,,9,0 - -,8 Kewajiban Rekening Administratif B Off Balance Sheet Liabilities Komitmen Commitments Kontijensi Contingencies Total Kewajiban Rekening Administratif Total Off Balance Sheet Liabilities Selisih Tagihan dan Kewajiban dalam Rekening Administratif Net of Receivables with Liabilities in Off Balance Sheet Selisih [(IA-IB)+(IIA-IIB)] Net [(IA-IB)+(IIA-IIB)] Selisih Kumulatif Net Cummulative 0,,99,98,9,8-9, ,9 -,0,99,,9 9, - (,) (9,0) (,08) (,9) (9,),8 (,0),99,8 (,0) (,),8 (,98,0),99,8,,,0,9,8,0 (,0)

22 Pengungkapan Nilai Liquidity Coverage Ratio (LCR) Disclosure of Liquidity Coverage Ratio (LCR) Bank secara individu Bank only Nilai LCR (%) LCR (%) Triwulan I Triwulan II Triwulan III Triwulan IV Quarter I Quarter II Quarter III Quarter IV () () () ().8% 9.0% N/A N/A

23 Pengungkapan Risiko Operasional Bank Secara Individu Disclosure of Operational Risk Bank Only Pendekatan Yang Digunakan Approach Pendapatan Bruto (Rata-rata Tahun Terakhir) Gross Income (Average of Last Years) 0 Juni 0 / 0 June 0 Beban Modal Capital Charge () () () () () Pendekatan Indikator Dasar,,,98,9, Basic Indicator Approach Total,,,98,9, ATMR RWA