BANK BUKOPIN

OVERVIEW

As of March 31, 2013

BANK BUKOPIN

Disclaimer

IMPORTANT: The following forms part of, and should be read in conjunction with, this presentation.

This report is prepared by PT. Bank Bukopin 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. No warranty (expressed or implied) is made to the accuracy or completeness of the information. Some of the statements contained in this document contain “forward looking” statements with respect to the financial conditions, results of operations and businesses, and related plans and objectives. These Statements do not directly or exclusively relate to historical facts and reflect the Company’s current intentions, plans, expectations, assumptions and beliefs about future events. The Statements involve known and unknown risks and uncertainties that could cause actual results, performance or events to differ materially from those in the statements as originally made. Such statements are not, and should not be construed as a representation to future performance of the Company. Readers are urged to view all forward-looking statements contained herein with caution.

2 BANK BUKOPIN

Table of Contents

Overview

Business Activity

Competitive Strengths

Financial Summary

Strategic Plan

3 BANK BUKOPIN

Overview

4 BANK BUKOPIN

Financial Highlight

R:250 G:250 B:0

R:0 G:111 B:192

R:63 G:173 B:92

Total Assets (Rp. Tn)

Total Loans (Rp. Tn)

Total Third Party Deposits (Rp. Tn)

Earning (Rp. Bn)

Earning After Tax

* Unaudited

5

Earning Before Tax

54.0 48.1

31.8

8.4 9.8

11.1 13.8

Mar-12* Dec-12 Mar-13*

61.4

39.4

8.8

13.2

27.2

65.7 57.9

72.3

Mar-12* Dec-12 Mar-13* Mar-12* Dec-12 Mar-13*

830.5 1,059.4

240.4 181.3 286.3 223.7

47.5

36.6

45.5

Mar-12* Dec-12 Mar-13*

Saving Currenct Account Time Deposit

BANK BUKOPIN

Shareholders Structure as of 31 March 2013

Koperasi Pegawai Bulog Seluruh

Indonesia (KOPELINDO)/ Cooperative of

Bulog Employees

Public

Koperasi Perkayuan

APKINDO MPI (KOPKAPINDO)/ Cooperative of

Indonesia Timber

Government of

Republic of Indonesia

PT Bank Syariah Bukopin PT Bukopin Finance

31.72% 13.04% 9.40% 5.05% 40.79%

88.26% 77.57%

Yayasan Bina Sejahtera Warga

Bulog (YABINSTRA)/ Foundation of

Bulog Employees

6 BANK BUKOPIN

Industry Position

In billion Rp

Source: Bank’s Publication as of Dec 2012, Bank Only 7

Deposit Rank 13th

Asset Rank 15th

Loan Rank 13th

51,208

59,090

59,368

61,762

62,764

64,524

66,159

67,069

79,142

111,161

111,749

130,475

132,130

141,789

192,613

321,534

436,795

547,592

563,105

STANCHART

BTPN

UOB INDONESIA

CITIBANK

BUKOPIN

HSBC

MEGA

BANK JABAR BANTEN

OCBC NISP

BII

BTN

DANAMON

PERMATA

PANIN

NIAGA

BNI

BCA

BRI

MANDIRI

26,408

42,025

43,324

44,477

46,483

47,548

51,114

51,308

60,168

75,783

85,470

90,605

97,885

101,503

144,144

248,993

370,278

435,459

436,084

STANCHART

CITIBANK

HSBC

BTPN

UOB INDONESIA

BANK JABAR BANTEN

BUKOPIN

MEGA

OCBC NISP

BTN

BII

DANAMON

PERMATA

PANIN

NIAGA

BNI

BCA

MANDIRI

BRI

26,986

31,035

31,131

35,054

38,340

38,470

42,840

45,000

52,085

74,319

75,411

86,955

91,533

91,766

133,708

193,017

256,714

339,974

347,953

MEGA

CITIBANK

STANCHART

BANK JABAR BANTEN

BTPN

HSBC

BUKOPIN

UOB INDONESIA

OCBC NISP

BII

BTN

PERMATA

DANAMON

PANIN

NIAGA

BNI

BCA

MANDIRI

BRI

BANK BUKOPIN

History and Key Milestone

1989 1993 2003 2006 2008 2009 2011 1970 2012

8 BANK BUKOPIN

Business Activity

9 BANK BUKOPIN

Core Business

Supported by Treasury Business, International Banking and Fee-Based Services

Objective:

To become a top bank through focusing on value

CONSUMER

“To be a Preferred Partner for Mass, Mass Affluent Customers and

Business Owners ”

SME

“To be a key player in SME Banking”

COMMERCIAL

“Sustain Current Market Position”

MAIN BUSINESS PILLARS

MICRO

“To be a market leader in business to business

Micro and a prime player for Rural Micro Banking”

Bank Bukopin’s business activities of lending and funding includes four pillars which are Small and Medium Enterprises (SME), Micro Business, Consumer Business and Commercial Business.

10 BANK BUKOPIN

Competitive Strenghts

11 BANK BUKOPIN

Positioned for Growth

Leading Sophisticated

Mid-Sized Bank

Experienced and

Competent in SMEs and

Micro Business

Strategic Partnerships

Satisfying and Compatible

Services

Extensive Branch and Electronic Network

Established Control and

Risk Management

Experienced Management

12 BANK BUKOPIN

Strategic Partnerships

Bukopin’s Strategic Partners

BULOG

• National Food Logistic Agency

Perusahaan Listrik Negara (PLN)

• Indonesia state-owned electricity company

Swamitra

• Community-based cooperative

Jamsostek

• State-owned social security company for private sector workers

Pertamina

• Indonesia state-owned oil extraction company

Taspen

• State-owned pension company for civil servants

13 BANK BUKOPIN

• Responsible for the maintenance of rice security, rice distribution and price control.

• Bank Bukopin is the major bank (60%) in financing Bulog and the other bank is BRI (40%).

• Bank Bukopin has a long-standing partnership with Bulog. Around 30.99% of Bank Bukopin’s Commercial loan portfolio comprises loans to Bulog.

• Bank Bukopin provides financing to Bulog’s food distribution supply chain from end-to-end.

• Bank Bukopin also assists Bulog with logistics information and accounting system management

• Bank Bukopin provides full serviced financing to 6 areas of regional division of Perum Bulog : West Java, East Java, DKI Jakarta, Bali, South Sulawesi & South Kalimantan

• Since the late 1990s, Bank Bukopin has developed Swamitra model. We provide Management Assistance, System and Procedure and IT System.

• Today, Bank Bukopin partners with 631 Swamitra with more than 463.000 members across Indonesia. Cooperative members are mostly in the micro-business segment.

• Bank Bukopin provides loans to Swamitra, which then channels the loan to its members (two step loan).

• In Swamitra lending, members of the cooperative keep an eye on one another, to ensure repayments so as to protect the profitability of the cooperative. This leads to a low NPL ratio for Swamitra loans.

Savings and loan cooperative

Strategic Partnership

Bulog’s network:

26 Regional Divisions

101 Sub-Regional Divisions

30 Logistic Offices

463 Warehouses

14 BANK BUKOPIN

• Jamsostek manages social security for over 40 million private sector workers, of which over 11 million are active members, with total assets of over Rp. 137 trillion (US$ 14.1 Tn).

• Bank Bukopin has 38 outlets co-located at Jamsostek’s offices. These outlets enable the deposit of contributions by and payment of Jamsostek claims to its members.

• Jamsostek owns a 6.14% stake in PT Bank Syariah Bukopin, in which Bank Bukopin controls 77.57% (the remaining shareholders are local funds).

• In line with Jamsostek’s ongoing transformation – from providing merely financial benefit to “total benefit” for its members (including housing and health benefits) – Bank Bukopin is collaborating with Jamsostek to provide financing and cash management for the housing.

Social security for private sector workers

Pension scheme for civil servants

• Appointed as one of 16 institutions as pension fund payment agent.

• Bank Bukopin implemented personal financing to Taspen pensioners in 2Q 2010, under its micro financing segment.

• Repayments are through deduction from pension payments.

• Outstanding loans under the Taspen program have grown, to around Rp. 1,46 trillion by March 2013.

Strategic Partnership

15 BANK BUKOPIN

• Bank Bukopin is one of 5 banks given exclusive right by Pertamina to receive payment for Pertamina’s products (fuel and non-fuel). This arrangement commenced in April 2009.

• Bank Bukopin provides banking facilities (letters-of-credit/trade financing) and cash management services for Pertamina’s operations.

• Pertamina-related transactions via Bank Bukopin currently average Rp. 2.3 trillion per month.

State-owned oil extraction company

Strategic Partnership

• Bank Bukopin currently serves 11 million out of 42 million PLN customers who pay their bills through around 56 banks.

• Bank Bukopin was the first commercial bank in Indonesia to establish the Payment Point On-line Bukopin (PPOB). It now has more than 18.000 PPOBs across Indonesia.

• PPOBs can provide services to PLN customers such as billing payment, new PLN installation and PLN prepaid card for electricity.

• The PLN partnership has provided a boost to Bank Bukopin’s fee-based income, cash management services, CASA accumulation and loan portfolio (note: As of 31 Mar 2013 fee-based income contributes around 22.14 % of Bank Bukopin’s total income).

State-owned electricity company

16 BANK BUKOPIN

Satisfying and Compatible Services

Providing arrays of products and services to fulfill customer needs

Using technology as a strategic means to deliver services

Improving human resources competencies as a key factor

17 BANK BUKOPIN

Extensive Branch and Electronic Network

Lampung

Nanggroe Aceh Darussalam

Riau

Jambi

South Sumatera

West Sumatera

West Kalimantan

East Kalimantan

South Kalimantan

Banten

North Sulawesi

South Sulawesi

Bali

West Nusa Tenggara

East Nusa Tenggara

East Java

West Java

D.I.Yogyakarta

DKI Jakarta

Central Java

North Sumatera

Riau Island

As of Mar 31, 2013

Branches 36

Sub Branches 107

Cash Offices 141

Micro-Service Offices 87

Payment Point 42

Pickup Service 8

Total outlet 421

ATMs 389

Mini ATMs 1.162

• Bank Bukopin’s network is in 22 out of 33 provinces in Indonesia.

• Bank Bukopin’s ATM card gives its holder access to all major ATM networks in Indonesia (including ATM BCA Prima, ATM Bersama and ATM Plus), comprising more than 30.000 ATMs.

• Bank Bukopin’s 18.000 PPOB outlets across Indonesia reaches out to the urban and rural population.

• Our IT system provides real-time monitoring of each branch’s transactions and positions.

18 BANK BUKOPIN

Established Controls and Risk Management

• Implementation of risk management in Bank Bukopin covered 8 main risks

* credit risk * legal risk

* market risk * reputational risk

* liquidity risk * strategic risk

* operational risk * compliance risk

• Bank Bukopin has developed models and systems for risk management

• Bank Bukopin also regularly conduct stress testing, to forecast the impact of any external shock to the Bank’s performance

• The Risk Management Division is independent from risk taking units

• Beside the internal audit activity, there’s also internal control units embedded to the risk taking units and an independent unit of compliance, all to establish comprehensive internal control system

Active observation by Boards through

Committee

• Risk Management Systems is executed according to internal and external rules

• All transactional execution had to go through checker and approval system.

• There’s also clear segregation between business and operational units

Risk management executed by each related

unit (risk taking units)

Bank-wide risk management by Risk

Management Division

Internal control process

• Bank Bukopin has set and continously review various internal policies and guidance for controlling all risks faced

19 BANK BUKOPIN

Experienced Management Glen Glenardi, President Director

Agus Hernawan, Services & Distribution Director

Tri Joko Prihanto, Finance & Planning Director

Sunaryono, Risk Management, Compliance and Human Resources Development Director

Sulistyohadi DS, SME and Cooperatives Director

Lamira S. Parwedi, Consumer Director

Mikrowa Kirana, Commercial Director

27 years of experience Past experiences include: - Director of Micro and SME (2000-2005) - Director of Cooperatives and Small Enterprises (1999) - Head of Credit for Cooperatives and Small Enterprises (1992-1999) - Head of Cirebon Branch (1989-1992)

27 years of experience Past experiences include: - Director of Operations (2000-2006) - Corporate Secretary (1996-2000) - Group Business Head (1995-1996) - Head of Human Resources (1993-1995) - Head of Business Development for Cooperatives (1991-1993)

27 years of experience Past experiences include: - Director of Consumer Banking (2000-2006) - Group Business Head (1997-2000) - Head of Bukopin branches (1988-1997)

24 years of experience Past experiences include: - Director of Risk Management and Compliance (2003-2006) - Head of Business Development for Cooperatives and Small Enterprises (2000-2003) - Group Head of Central Java Province (1997-2000) - Head of Commercial Branches Supervision (1996-1997)

25 years of experience Past experiences include: - Group Head for Institutional Business (1999-2005) - Various positions within Bank Bukopin since 1988

27 years of experience Past experiences include: - Group Head for Commercial Business (2000-2006) - Group Business Head (1995-2000) - Head of Commercial Business Segment (1993-1995)

27 years of experience Past experiences include: - Group Head for Commercial Business (2001-2006) - Group Head for Commercial Business in West and Central Java (2000-2001) - Group Business Head (1997-2000) - Head of Kupang and Denpasar Branches (1992-1996)

20 BANK BUKOPIN

Experienced Management

Mulia P. Nasution, President Commissioner

Deddy S.A. Kodir, Commissioner

Syamsul Effendi, Independent Commissioner

Yoyok Sunaryo, Independent Commissioner

Margustienny, Independent Commissioner

Currently Chairman of The Supervisory Board of State`s Accounting School (Aug 2011 – present) Past experience sinclude: - Secretary General of Finance Ministry (2006- Aug 2011) - Director General Treasury of Finance Department (2004) - Head of National Financial Accounting Body (2001) - Head of Data Processing and Budget Information (1999) - Director of Government Treasury and Cash (1998) - Director of Budget Development II (1995)

Currently Chairman of Kopelindo (2008-present) Past experiences include : - Director of Human Resources & General Affair of Bulog (2011-2012) - Director of Planning and Business Development of Bulog (2009-2011) - Head of Human Resources Department of Bulog (2008-2011) - Over 30 years experience at Bulog Institution

Currently Advisor of PT Wana Subur Lestari (2011-present) Past experiences include : - Secretary of Kopkapindo - Associate Director of General Affair Manager at PT Kutai Timber Indonesia (2007-2011) - Manager General Affair at PT Kutai Timber Indonesia (2001-2006)

Currently Entrepreneur in Agro Business. Past experiences include : - Head of Milk Cooperatives Indonesia (1997-2002) - PUSKUD facilitator (1999-2000) - Head Coordinator at Milk Cooperative Indonesia Mojosongo (1986-1993) - Manager at Milk Cooperative of Indonesia Cirebon (1984-1986)

Currently Civil Servant of Finance Ministry (Feb 2012-present) Past experiences include : - Head of Public Service Agency Housing - Finance Centre of State Ministry of Housing (2010-Feb 2012) - Over 30 years experience at Finance Ministry

21 BANK BUKOPIN

Financial Summaries

22 BANK BUKOPIN

45.5

36.6

Mar-12* Dec-12 Mar-13*

47.5

65.7 57.9

Mar-12* Dec-12 Mar-13*

72.3

Key Financial – Balance Sheet

23

Total Assets (Rp. Tn)

Asset increase due to an increase

of customer deposit by 24.87%

from Rp57.9 trillion to Rp72.3

trillion.

Total Loans (Rp. Tn)

Period Percentage

% Y o Y 24.87%

% Y to D 10.04%

Period Percentage

% Y o Y 29.78%

% Y to D 4.40%

* Unaudited

Loan increase from commercial

and SME loan.

BANK BUKOPIN

Period Percentage

% Y o Y 27.65%

% Y to D 13.70%

Period Percentage

% Y o Y 15.56%

% Y to D 4.00%

Key Financial – Balance Sheet

24

Total Third Party Deposits (Rp. Tn)

Total Shareholders’ Equity (Rp. Tn)

Deposits increased year-on-year by 27.65% from Rp48.1 trillion to Rp61.4 trillion. Increases came from time deposit and savings.

Savings Currenct Account Time Deposit

48.1

11.1

9.8

27.2

54.0

13.8

8.4

31.8

61.4

13.2

8.8

39.4

4.5

5.0 5.2

Mar-12* Dec-12 Mar-13*

Mar-12* Dec-12 Mar-13*

* Unaudited BANK BUKOPIN

Overview of Loan Portofolio

25

Consumer

Commercial, including Bulog

Micro

Small and Medium Enterprise (SME)

Loan segment Loan size

Micro < Rp.500 M

SME Rp.500 M – Rp.25 Bn

Commercial > Rp.25 Bn

Bulog 9.61% * Bulog 16.66% *

Rp.36.6 Tn Rp. 47.5 Tn

11.14%

6.83%

33.70% 32.51%

8.00%

53.76%

Mar-12 Mar-13

• From Total Loan. Since 2013 we shifted loan to Bulog from SME segment to Commercial segment

48.33%

5.73%

BANK BUKOPIN

Funding Composition

26

Funding Composition (by product) Funding Composition (by segment)

SME 32.47%

Consumer 32.99%

Commercial 34.54%

SME 22.42%

Consumer 28.10%

Commercial 49.48%

56.49%

Rp. 48.1Tn Rp. 61.4 Tn

Mar-13 Mar-12

23.12%

20.39%

21.54%

14.38 %

64.08 %

Savings Current Time Deposit

Mar-13 Mar-12

BANK BUKOPIN

Core & Supplementary Capital

27

• Our CAR level is sufficient enough for loan expansion

13.47%

4.82%

12.84

4.12%

Core Capital

Supplementary Capital

CAR 18.29% CAR 16.96%

Mar-13* Mar-12*

12.09%

4.25%

CAR 16.34%

Dec-12

* Unaudited BANK BUKOPIN

Key Financial – Earning

28

Earning Before Tax Earning After Tax

Periode % EBT % EAT

%Y o Y 19.12% 23.37%

Earning Before and After Tax (Rp. Bn)

Net profit year-on-year increased by 23.37%

from Rp181.3 billion to Rp223.7 billion. This

was due to an increase of net interest income

181.3 240.4 286.3

223.7

Mar-13* Mar-12*

1,059.4

830.5

Des-12

* Unaudited BANK BUKOPIN

Key Financial – Balance Sheet

29

Mar-13* Mar-12*

519 590

Net Interest Income (Rp. Bn)

Net Interest Margin (NIM) (%)

Net Interest Income year-on-year increased by 13.68% from Rp 519 billion to Rp590 billion due to loan expansion.

Period Procentage

% Y o Y 13.68%

Fee Based Income

Public Service Credit Card Treasury Others

35.59%

35.38% 27.55%

12.39%

54.36%

16.64%

9.28%

8.81%

Rp. 172.3 Rp. 161.6 3.64

4.12

Des-12

2,462

Mar-13* Mar-12* Des-12

4.56

34.87%

46.22%

8.44%

10.47%

Rp. 663.7

Mar-13* Mar-12* Des-12

* Unaudited BANK BUKOPIN

Key Ratio

30

Cost-to-Income Ratio (CIR) (%) Loan-to-Deposit Ratio (LDR) (%)

• LDR year-on-year increased by 1.47 % from 75.21% to 76.68%.

76.68 75.21

65.72 61.93

83.81 60.50

Mar-13* Mar-12* Des-12 Mar-13* Mar-12* Des-12

* Unaudited BANK BUKOPIN

Key Ratio

31

Gross Non-Performing Loan (NPL) (%)

• Our gross NPL stood at level 2.38% and net NPL at 1.49% on March 2013.

2.38 3.46

1.49

2.55

* Net Non-Performing Loan (NPL) (%)

Mar-13* Mar-12* Des-12 Mar-13* Mar-12* Des-12

1.56

2.66

* Unaudited BANK BUKOPIN

Key Ratio

32

61.59

18.29 17.21

• We target to maintain ROE around 20% by

the end of 2013

• We target to maintain CAR above 12%

Return-on-Equity (ROE) (%) Return-on-Assets (ROA) (%)

Capital Adequacy Ratio (CAR) (%)

1.64 1.75

16.96 18.29

19.47

16.34

1.83

Mar-13* Mar-12* Des-12 Mar-13* Mar-12* Des-12

Mar-13* Mar-12* Des-12

* Unaudited BANK BUKOPIN

Award 2013

“Indonesian Bank Loyalty Index (IBLI)” Awarded for Saving Account Conventional Banking (Asset > 75 T) from InfoBank Magazine and MarkPlus Insight.

33

“Indonesian Bank Loyalty Index (IBLI)” Awarded for Top 10 Credit Card for Loyalty Program from InfoBank Magazine and MarkPlus Insight.

BANK BUKOPIN

Strategic Plan

34 BANK BUKOPIN

Strategic Plan

Become a Trusted Bank for Financial

Services

Strenghtening the Structure

of Capital Enlarge the

Composition of SME`s, Micro

and Consumer Business

Focus on Excelling in

Business Segments

Improvements of value chain

and cross selling

Enhances Strategic

Partnership

Inprovement of Information

Systems, Technology and

Procedures

Strenghtening of Corporate

Culture

Enhance the Role of Risk

Management and

Compliance Aspects

35 BANK BUKOPIN

Thank You

36 BANK BUKOPIN

Q & A

37 BANK BUKOPIN