Toward Excellent - MNC Bank · 17 suspensi dan/atau Delisting Suspension and/or Delisting 18...

468
PT Bank MNC Internasional Tbk Laporan Tahunan 2016 Annual Report Execution Powering Growth Toward Excellent

Transcript of Toward Excellent - MNC Bank · 17 suspensi dan/atau Delisting Suspension and/or Delisting 18...

Page 1: Toward Excellent - MNC Bank · 17 suspensi dan/atau Delisting Suspension and/or Delisting 18 peristiwa enting 2016 2016 Event Highlights prOFil perusaHaan Company Profile 48 identitas

PT Bank MNC Internasional Tbk

Laporan Tahunan

2016Annual Report

Execution

Powering GrowthToward

Excellent

Page 2: Toward Excellent - MNC Bank · 17 suspensi dan/atau Delisting Suspension and/or Delisting 18 peristiwa enting 2016 2016 Event Highlights prOFil perusaHaan Company Profile 48 identitas
Page 3: Toward Excellent - MNC Bank · 17 suspensi dan/atau Delisting Suspension and/or Delisting 18 peristiwa enting 2016 2016 Event Highlights prOFil perusaHaan Company Profile 48 identitas

Tahun 2016 merupakan periode ketiga program Transformasi yang dijalankan MNC Bank dengan menekankan pada penguatan infrastruktur jaringan pelayanan dan investasi teknologi informasi, menjaga kualitas aset dengan menekan angka kredit bermasalah, serta peningkatan kualitas Sumber Daya Manusia (SDM). Arah dan strategi bisnis tetap berfokus pada segmen consumer dan retail dengan didukung segmen komersial dan korporasi. MNC Bank telah menjankan fungsi intermediasi dengan baik yang ditandai dengan meningkatnya penyaluran kredit. Untuk mendukung permodalan dan ekspansi usaha MNC Bank melakukan Penawaran Umum Terbatas V dan berhasil memperoleh dana sebesar Rp 145,2 miliar.

Ke depan, MNC Bank siap lepas landas dengan mengeksekusi program-program unggulan yang didukung dengan permodalan yang kuat, infrastruktur berbasis teknologi yang andal dan SDM berkualitas.

The year 2016 was the third stage of the Transformation program being carried out by MNC Bank, with a focus on strengthening service network infrastructure and investment in information technology, maintaining quality of assets by minimizing non-performing loans and increasing the quality of human resources. Business strategy and direction remained focused on the retail and consumer segments, supported by the corporate and commercial segments. MNC Bank carried out its intermediary function well, as demonstrated by increased loan disbursement. To support capital and business expansion, MNC Bank carried out the Rights Issue V and succeeded in obtaining the proceeds of Rp 145.2 billion.

Going forward, MNC Bank is ready to launch the execution of superior programs supported by strong capital, infrastructure based on reliable technology and quality HR.

Execution

Powering GrowthTowardExcellent

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122Tinjauan OperasiOnalOperational Review

124 Manajemen risikoRisk Management

186 sumber Daya ManusiaHuman Resources

200 Teknologi informasiInformation Technology

DAFTAR ISITable of Contents

1

4682

22lapOran ManajeMenManagement Reports

24 laporan DireksiBoard of Directors’ Report

36 laporan Dewan KomisarisReport from the Board of Commissioners

44 surat surat pernyataan anggota Direksi dan anggota Dewan Komisaris Tentang Tanggung jawab atas laporan Tahunan 2016 pT Bank MnC internasional TbkStatements of ResponsibilityOn 2016 Annual Report of PT Bank MNC Internasional Tbk by the Members of the Board of Commissionersand Board of Directors

01 sekapur sirihIntro

02 Daftar isiTable Of Contents

04 ikhtisar utamaHighlights

06 ringkasan Kinerja 20162016 Performance Results

08 ikhtisar KeuanganFinancial Highlights

14 ikhtisar OperasionalOperational Highlights

15 informasi sahamShares Information

16 ikhtisar ObligasiBonds Highlights

16 aksi KorporasiCorporate Action

17 suspensi dan/atau DelistingSuspension and/or Delisting

18 peristiwa penting 20162016 Event Highlights

prOFil perusaHaanCompany Profile

48 identitas perusahaanCompany Identity

50 sekilas MnC BanKMNC BANK in Brief

54 Visi & MisiVision & Mission

55 nilai-nilai utamaCore Values

56 Kegiatan usahaBusiness Activity

60 struktur OrganisasiOrganization Structure

62 area OperasionalOperations Area

64 Profil Dewan KomisarisProfile of the Board of Commissioners

68 Profil DireksiProfile of the Board of Directors

73 jumlah KaryawanTotal Employees

74 Komposisi pemegang sahamShareholders Composition

75 entitas anak dan asosiasiSubsidiaries and Associates

76 Kronologis pencatatan sahamShare Listing Chronology

78 Kronologis pencatatan efek Other Shares ListingChronology

79 lembaga penunjang pasar ModalCapital Market Supporting Institutions

79 Penghargaan dan SertifikasiAwards and Certifications

80 perjalanan KamiOur Journey

analisis Dan peMBaHasan ManajeMenManagement Discussion And Analysis

84 Tinjauan Makro ekonomiMacro Economic Overview

85 pertumbuhan ekonomi indonesiaIndonesia’s Economic Growth

86 Kinerja industri perbankanBanking Industry Performance

87 Kinerja MnC Bank di industri perbankanMNC Bank Performance in the Banking Industry

88 Tinjauan usahaBusiness Review

90 produk simpananDeposits

92 produk KreditCredit Product

98 Tinjauan KeuanganFinancial Review

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340Tanggung jawaB sOsial perusaHaanCorporate Social Responsibility

342 laporan Tanggung jawab sosial perusahaanCorporate Social Responsibility Report

346 Tanggung jawab sosial terhadap lingkungan HidupSocial Responsibility to the Environment

347 Tanggung jawab terhadap Ketenagakerjaan, Kesehatan dan Keselamatan Kerja (K3)Responsibility toward Occupational, Health and Safety (OHS)

349 Tanggung jawab sosial dan KemasyarakatanSocial and Community Responsibility

351 Tanggung jawab sosial terhadap produk dan nasabahResponsibility toward Products and Customers

206lapOran TaTa KelOla perusaHaanCorporate Governance Report

209 prinsip-prinsip Tata Kelola perusahaanCorporate Governance Principles

211 roadmap gCgGCG Roadmap

213 struktur Tata Kelola perusahaanCorporate Governance Structure

215 implementasi Tata Kelola perusahaanCorporate Governance Implementation

223 DireksiBoard of Directors

246 rapat umum pemegang sahamGeneral Meeting of Shareholders

266 Dewan KomisarisBoard of Commissioners

280 Komite auditAudit Committee

294 Komite nominasi & remunerasiNomination & Remuneration Committee

300 Komite pemantauan risikoRisk Oversight Commintee

307 Fungsi KepatuhanCompliance Function

310 sekretaris perusahaanCorporate Secretary

313 unit audit internalInternal Audit Unit

319 sistem pengendalian internalInternal Control System

323 perkara pentingSignificant Events

326 sanksi administratifAdministractive Sanctions

324 Kode etikCode of Conduct

328 program anti pencucian uang (apu) dan pencegahan pendanaan Terorisme (ppT)Anti-Money Laundering (AML) and Counter Terrorism Financing (CTF) Program

331 Budaya perusahaanCorporate Culture

332 program Kepemilikan saham Karyawan dan/atau ManajemenEmployees/Management Shares Ownership Programs

332 pelaporan pelangganWhistleblowing System

336 pedoman Tata KelolaGovernance Guidelines

354lapOran Keuangan TaHunan 2016Financial Statements 2016

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Volume transaksi kartu kredit mencapai Rp204 miliar, meningkat sebesar 255,68% dibanding pencapaian 2015Credit card transaction volume reached Rp204 billion, grew 255.68% than in 2015

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IKHTISAR UTAMAHIGHLIGHTS

01 sekapur sirihIntro

02 Daftar isiTable Of Contents

04 ikhtisar utamaHighlights

06 ringkasan Kinerja 20162016 Performance Results

08 ikhtisar KeuanganFinancial Highlights

14 ikhtisar OperasionalOperational Highlights

15 informasi sahamShares Information

16 ikhtisar ObligasiBonds Highlights

16 aksi KorporasiCorporate Action

17 suspensi dan/atau DelistingSuspension and/or Delisting

18 peristiwa penting 20162016 Event Highlights

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PT Bank MnC InTernasIonal TBk | laPoran TaHUnan 2016 annUal rePorT

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Ikhtisar UtamaMain Highlights

RINGKASANKINERJA 20162016 Performance Results

Aset MNC Bank tumbuh sebesar 7,58% (yoy) menjadi

Assets grew 7.58% yoy to Rp13.06 trillion

Rp13,06 triliun

Mencatat pertumbuhan laba sebesar 14,32% atau sebesar

Profit grew 14,32% or Rp9.35 billion

Rp9,35 miliar

Peningkatan laba dikontribusi oleh meningkatnya pendapatan bunga bersih sebesar 27,78% menjadi

Increase in profit was attributed by increase in net interest income of 27.78% to Rp366.85 billion

Rp366,85 miliar

Kredit yang disalurkan dibandingkan tahun 2015 mengalami peningkatan sebesar

Loans disbursement increased 12.83% compared to 2015.

12,83%

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PT Bank MnC InTernasIonal TBk | laPoran TaHUnan 2016 annUal rePorT

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Powering GrowthToward Excellent Execution

RINGKASAN KINERJA 2016 2016 Performance Results

Jumlah kartu kredit baru mencapai 70 ribu kartu, meningkat

dibanding perolehan kartu baru pada 2015

Total new credit card reached 70 thousand cards, grew 470% than in 2015

470%

Volume transaksi kartu kredit mencapai Rp204 miliar, meningkat sebesar

dibanding pencapaian 2015

Credit card transaction volume reached Rp204 billion, grew 255.68% than in 2015

255,68%

Selama 2016, portofolio produk multifinance telah mencapai Rp2,30 triliun, meningkat sebesar

dibanding 2015 sebesar Rp1,99triliun

In 2016, multifinance product portfolio reached Rp2.30 trillion, increased by Rp305.06 billion compared to 2015 figure of Rp1.99 trillion

Rp305,06 miliar

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PT Bank MnC InTernasIonal TBk | laPoran TaHUnan 2016 annUal rePorT

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Ikhtisar UtamaMain Highlights

IKHTISARKEUANgANFinancial Highlights

Dalam Rp Juta | In Rp Million

URAIAN 2016 2015 2014 2013 2012* DEScRIpTIoNLApoRAN poSISI KEUANgAN FINANcIAL poSITIoNASET ASSETSkas 144.975 108.955 91.556 72.732 72.193 Cash

Giro pada Bank Indonesia

761.639 812.623 596.195 500.454 469.681 Current accounts with Bank Indonesia

Giro pada Bank lain – Pihak ketiga

292.470 1.266.474 203.246 78.568 163.262 Current accounts with other Banks -

Third Parties

Penempatan pada Bank Indonesia dan Bank lain – Pihak ketiga

1.984.523 1.335.254 1.538.436 1.259.243 992.487 Placements with Bank Indonesia and other Banks - Third Parties

efek-efek - Pihak ketiga 1.375.817 1.173.954 503.806 519.254 390.698 securities - Third Parties

Tagihan Derivatif – Pihak ketiga

4.842 8.241 691 1.842 810 Derivative receivables -

ThirdParties

kredit – Bersih 7.941.795 7.047.265 6.128.833 5.378.179 5.043.065 loans - net

Tagihan akseptasi – Pihak ketiga

89.276 21.234 93.962 103.146 31.582 acceptance receivables -

ThirdParties

Biaya dibayar di muka 98.432 44.963 34.346 29.583 53.029 Prepaid expenses

aset Tidak lancar yang Dimiliki untuk Dijual

2.407 - - - - non Current assets Held for sale

aset Tetap – Bersih 54.151 50.041 19.016 25.045 41.023 Fixed assets - net

aset Pajak Tangguhan – Bersih

59.075 63.028 86.002 76.030 35.160 Deferred Tax assets - net

aset Tak Berwujud – Bersih

19.327 10.933 9.973 10.440 22.246 Intangible assets - net

aset lain-lain –Bersih 228.820 194.039 124.654 110.157 118.567 other assets – net

Jumlah Aset 13.057.549 12.137.004 9.430.716 8.164.673 7.433.803 Total Assets

AsetAsset

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20162015201420132012

12.1

37.0

04

9.43

0.71

6

8.14

6.67

3

7.43

3.80

3

ekuitAsEquity

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1.70

8.20

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1.23

3.21

5

767.

461

713.

840

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Powering GrowthToward Excellent Execution

IKHTISAR KEuANGANFinancial Highlights

Dalam Rp Juta | In Rp Million

URAIAN 2016 2015 2014 2013 2012* DEScRIpTIoNLIABILITAS DAN EKUITAS LIABILITIES AND EQUITYLIABILITAS LIABILITESliabilitas segera 32.018 14.122 21.141 8.677 15.753 obligation Due

Immediately

simpanan 10.339.407 9.766.527 7.734.434 6.834.891 6.433.765 Deposits

simpanan dari Bank lain – Pihak ketiga

507.316 500.705 235.948 342.813 132.231 Deposits from other Banks - Third Parties

liabilitas Derivatif – Pihak ketiga

3.576 3.714 112 1.009 417 Derivative Payable - Third Parties

efek-efek yang Dijual dengan Janji Dijual kembali

89.941 - - - - securities sold with agreements to

repurchase

liabilitas akseptasi – Pihak ketiga

89.276 21.234 93.962 103.146 31.582 acceptance Payable – Third Parties

obligasi konversi - - - 16.370 25.354 Convertible bonds

Utang Pajak 12.727 13.760 10.988 7.933 6.013 Taxes Payable

liabilitas Imbalan Pasca kerja

47.997 37.331 44.917 37.827 38.627 Post-employee benefit obligation

Beban yang Masih Harus Dibayar

64.365 62.865 44.415 36.695 20.591 accruals

liabilitas lain-lain 10.521 8.542 11.584 7.851 15.630 other liabilities

Jumlah Liabilitas 11.197.144 10.428.800 8.197.501 7.397.212 6.719.963 Total LiabilitiesEKUITAS EQUITYModal saham – nilai nominal rp100 Per saham

2.058.147 1.912.957 1.503.233 548.608 548.608 share Capital - nominal Value of rp100 per share

Tambahan Modal Disetor – Bersih

720 3.555 6.360 457.207 233.223 additional Paid In Capital - net

laba (rugi) komprehensif lain

(6.720) (7.217) (67.109) (83.641) 5.009 other Comprehensive

Income (loss)

Saldo Laba (Defisit) (191.741) (201.091) (209.269) (154.713) (73.000) retained earnings (Deficit)

Jumlah Ekuitas 1.860.405 1.708.204 1.233.215 767.461 713.840 Total EquityJumlah Liabilitas dan Ekuitas

13.057.549 12.137.004 9.430.716 8.164.673 7.433.803 Total Liabilities and Equity

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PT Bank MnC InTernasIonal TBk | laPoran TaHUnan 2016 annUal rePorT

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Ikhtisar UtamaMain Highlights

IKHTISAR KEuANGANFinancial Highlights

Dalam Rp Juta | In Rp Million

URAIAN 2016 2015 2014 2013 2012* DEScRIpTIoNLApoRAN LABA RUgI KoMpREHENSIF coMpREHENSIVE INcoME (LoSS)pENDApATAN DAN pENgHASILAN LAIN STATEMENTS oF pRoFIT/LoSS AND oTHER INcoMEPendapatan Bunga 1.060.551 950.521 760.698 670.093 688.882 Interest Income

Beban Bunga 693.697 663.414 524.417 384.026 331.117 Interest expenses

Pendapatan Bunga – Bersih

366.854 287.107 236.281 286.067 357.765 Interest Income - net

Pendapatan operasional lainnya

125.415 72.154 62.890 93.028 67.892 other operating Income

Beban kerugian Penurunan nilai

29.879 4.521 42.332 96.473 33.459 Provision for Impairment losses

Beban operasional lainnya

409.632 343.793 328.149 340.433 382.206 other operating expenses

Beban operasional Lainnya – Bersih

314.096 276.160 307.591 343.878 347.773 other operating Expenses - net

Laba (Rugi) operasional

52.758 10.947 (71.310) (57.811) 9.992 operating Income (Loss)

PendAPAtAn bungAInterest Income

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20162015201420132012

950.

521

760.

698

670.

093

688.

882

Laba (Rugi) beRsih Tahun beRjaLanNet Income (Loss) for the Year

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9.34

9

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8.17

8

(54.

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1.03

6

jumLah Laba (Rugi) KompRehensifTotal Comprehensive Income

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68.0

70

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)

1.11

8

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PT Bank MnC InTernasIonal TBk | laPoran TaHUnan 2016 annUal rePorT

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Powering GrowthToward Excellent Execution

IKHTISAR KEuANGANFinancial Highlights

Dalam Rp Juta | In Rp Million

URAIAN 2016 2015 2014 2013 2012* DEScRIpTIoNpENDApATAN (BEBAN) NoN opERASIoNAL NoN opERATINg INcoME (EXpENSES)Pendapatan (Beban) non operasional – Bersih

(39.623) 241 1.270 (8.730) (3.982) non-operating Income (expenses)

- net

laba (rugi) sebelumManfaat (Beban) Pajak

13.135 11.188 (70.040) (66.541) 6.010 Income (loss) before Tax Benefit

(expenses)

Manfaat (Beban) Pajak (3.786) (3.010) 15.484 (15.199) (4.974) Tax Benefit (expenses)

Laba (Rugi) Bersih Tahun Berjalan***

9.349 8.178 (54.556) (81.740) 1.036 Net Income (Loss)for the Year***

Pendapatan komprehensif lain

497 59.892 16.532 (92.206) 82 other Comprehensive

Income

Jumlah Laba (Rugi)Komprehensif***

9.846 68.070 (38.024) (173.946) 1.118 Total comprehensive

Income (Loss)***laba per saham(Dalam rupiah Penuh)

earnings per share(in full amount)

Dasar 0,51 0,61 (5,91) (14,90) 0,19 Basic

Dilusian 0,47 0,57 (5,91) (14,90) 0,19 Diluted

* Menggunakan data dari laporan keuangan PT Bank ICB Bumiputera Tbk tahun 2012.

** Perusahaan tidak memiliki investasi pada entitas asosiasi.*** Bank tidak memiliki anak perusahaan, dengan demikian

rugi bersih dan rugi komprehensif tidak dikelompokkan menjadi diatribusikan kepada pemilik entitas induk dan diatribusikan kepada kepentingan non pengendali.

* Using data from the financial statements of PT Bank ICB Bumiputera Tbk for FY2012.

** The Company does not have investments in any associated entities.

*** MnC Bank has no subsidiaries, and so the net loss and comprehensive loss are not categorized as attributable to the owners of the parent entity, and thus is attributed to non-controlling interest.

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PT Bank MnC InTernasIonal TBk | laPoran TaHUnan 2016 annUal rePorT

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Ikhtisar UtamaMain Highlights

IKHTISAR KEuANGANFinancial Highlights

Dalam Rp Juta | In Rp Million

URAIAN 2016 2015 2014 2013 2012 DEScRIpTIoNRASIo KEUANgAN (%) FINANcIAL RATIo (%)pERMoDALAN cApITALkPMM dengan Memperhitungkan risiko kredit, risiko operasional dan risiko Pasar

19,54 17,83 17,79 13,09 11,21 Car with Credit, operational,Market

risks

ASET pRoDUKTIF pRoDUcTIVE ASSETSaset Produktif dan nonProduktif Bermasalah Terhadap Total aset Produktif dan nonProduktif

1,88 2,57 4,41 4,75 5,49 non-Performing Productive andnon-

Productive assets to Total Productive

and non-Productive assets

aset Produktif BermasalahTerhadap Total aset Produktif

1,77 2,18 4,41 4,09 4,93 non-Performing Productiveassets

to Total Productive assets

CkPn aset keuangan Terhadap aset Produktif

0,42 0,39 1,54 2,12 1,52 Impairment losses to Productive assets

nPl Gross 2,77 2,97 5,88 4,88 5,78 Gross non Performing loan(nPl)

nPl net 2,38 2,43 3,86 2,36 3,99 net non Performing loan (nPl)

pRoFITABILITAS pRoFITABILITYroa 0,11 0,10 -0,82 -0,93 0,09 return on assets

(roa)

roe 0,62 0,74 -6,69 -16,28 0,26 return on equity (roe)

nIM 3,28 3,32 3,43 4,84 5,44 net Interest Margin (nIM)

BoPo 95,61 98,97 108,54 107,77 99,68 operating expenses tooperating Income

(BoPo)

rasio liabilitasTerhadap Jumlah aset

85,75 85,93 86,92 90,60 90,40 liabilities toTotal assets ratio

LIKUIDITAS LIQUIDITYlFr 77,20 72,29 80,35 80,14 79,48 loan to Deposit ratio

(lDr)

KEpATUHAN coMpLIANcEPersentase Pelanggaran BMPk

- - - - - Percentage of lll Violation

GWM 7,15 8,61 8,18 8,20 8,41 Minimum reserve requirements

Posisi Devisa netto 3,70 6,82 6,10 4,04 4,19 net open Position

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PT Bank MnC InTernasIonal TBk | laPoran TaHUnan 2016 annUal rePorT

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IKHTISAR KEuANGANFinancial Highlights

Kpmm dengan mempeRhiTungKan RisiKoCAR with Risk calculation

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17.8

3

17.7

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13.0

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11.2

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npL gRossGross Non-Performing Loans

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2.97

5.88

4.88

5.78

boPoOperating Expenses to Operating Income

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98.9

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108.

54

107.

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8

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Ikhtisar UtamaMain Highlights

IKHTISARopERASIoNALOperational Highlights

JARINgAN KANToR | NETwoRK oFFIcE

Jaringan 2016 2015 2014 Networkkantor Pusat 1 1 1 Head Office

kantor Cabang 16 16 16 Branch

kantor Cabang Pembantu 34 33 34 sub Branch

kantor kas 22 26 40 Cash Office

Payment Point - 2 2 Payment Point

Jumlah kantor 73 78 93 Number of Office

aTM 93 83 76 aTM

pRoduK KRediTCredit Product

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3.15

4.12

9

3.70

7.14

8

498.

763

351.

768

234.

1992.

298.

465

3.57

9.33

2

4.05

2.96

9

201620152014

Wholesale

UkM | sMe

konsumer | Consumer

pRoduK simpananSavings Product

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8

974.

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567.

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6.35

7.69

1 8.12

9.99

0

8.71

6.87

9

201620152014

Giro | Demand Deposits

Tabungan | savings

Deposito | Time Deposits

produk 2016 2015 2014 productproduk Simpanan Savings productGiro 974.742 1.069.198 700.986 Demand Deposits

Tabungan 647.786 567.339 675.756 savings

Deposito Berjangka 8.716.879 8.129.990 6.357.691 Time Deposits

Total 10.339.407 9.766.527 7.734.433 Totalproduk Kredit credit productWholesale 3.707.148 3.154.129 3.460.007 Wholesale

UkM 234.199 351.768 498.763 small-Medium enterprise

konsumer 4.052.969 3.579.332 2.298.465 Consumer

Total 7.994.316 7.085.228 6.257.235 Total

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INFORMASISAHAM

Shares Information

KineRja haRga saham 20162016 Share Price Performance

Harga Penutupan (rp)Closing Price (rp)

Volume Transaksi (lembar)Transaction Volume (share)

100

80

60

40

20

-

1.500.000.000

1.200.000.000

900.000.000

600.000.000

300.000.000

-2015 2016

Volume Transaksi | Transaction Volume Harga Penutupan | Closing Price

KineRja haRga saham 20152015 Share Price Performance

Harga Penutupan (rp)Closing Price (rp)

Volume Transaksi (lembar)Transaction Volume (share)

140

120

100

80

60

40

20

-

3.000.000.000

2.500.000.000

2.000.000.000

1.500.000.000

1.000.000.000

500.000.000

-2014 2015

Volume Transaksi | Transaction Volume Harga Penutupan | Closing Price

peRgeRaKan haRga saham 2016 – 2015Share Price Movements 2016 - 2015

pERIoDEperiod

pEMBUKAANopening

TERENDAHLowest

TERTINggIHighest

pENUTUpANclosing

VoLUMETRANSAKSITransaction

Volume

JUMLAH SAHAMBEREDAR

Total Sharesoutstanding

KApITALISASI pASARMarket

capitalization

2016TW I 70 54 87 78 419.818.000 19.129.563.072 1.492.105.919.616

TW II 78 69 80 70 413.426.000 19.129.563.072 1.339.069.415.040

TW III 75 65 98 75 1.281.385.000 19.129.563.072 1.434.717.230.400

TW IV 75 61 85 68 1.219.278.000 20.581.465.247 1.399.539.636.796

2015TW I 84 75 106 91 975.109.800 15.032.327.068 1.367.941.763.188

TW II 91 71 107 75 761.887.900 15.032.327.068 1.127.424.530.100

TW III 75 66 88 71 484.492.100 15.032.327.068 1.067.295.221.828

TW IV 71 57 76 70 209.430.900 19.129.563.072 1.339.069.415.040

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Ikhtisar UtamaMain Highlights

IKHTISARoBLIgASI

AKSIKoRpoRASI

Bonds Highlights

Corporate Action

selama tahun 2016 MnC Bank tidak menerbitkan obligasi.

MnC Bank did not issued any Bonds during 2016.

Pemegang saham MnC Bank menyetujui Menyetujui pelaksanaan Penambahan Modal Tanpa Hak Memesan efek Terlebih Dahulu Tanpa HMeTD dengan cara mengeluarkan sebanyak-banyaknya 1.912.956.307 saham atau 10% dari modal disetor Perseroan, masing-masing dengan nilai nominal rp100,- per saham yang mencakup saham yang akan dikeluarkan untuk Management and Employee Stock Option Program (MesoP) sebanyak-banyaknya 286.943.446 saham dengan nilai nominal rp100,- atau 1,5% dari seluruh saham yang telah ditempatkan dan disetor penuh dalam Perseroan serta untuk Penambahan Modal Tanpa HMeTD non MesoP sebanyak-banyaknya 1,626,012,861 saham dengan nilai rp100,- atau 8,5% dari seluruh saham yang telah ditempatkan dan disetor penuh dalam Perseroan dengan memperhatikan ketentuan Peraturan otoritas Jasa keuangan (PoJk) no.38/PoJk.04/2014, tentang Penambahan Modal Perusahaan Terbuka Tanpa Hak Memesan efek Terlebih Dahulu, sesuai dengan keputusan rapat Umum Pemegang saham (rUPslB) tanggal 3 Mei 2016 sebagaimana tertuang dalam akta notaris aryani artisari, sH, M.kn no.11 tanggal 3 Mei 2016.

alokasi pemberian MesoP dilakukan dalam 2 tahap yaitu alokasi I sebesar 50% atau sejumlah 143.471.723 saham dilaksanakan pada periode 1 Juli 2016 dan 3 oktober 2016, alokasi II sebesar 50% atau sejumlah 143.471.723 saham dilaksanakan pada periode 2 april 2017 dan 2 oktober 2017. Program MesoP berjangka waktu lima tahun sejak tanggal pemberian opsi.

sampai dengan berakhirnya periode pertama MesoP, belum ada yang melakukan konversi MesoP.

Berdasarkan hasil keputusan rUPslB tanggal 15 Juli 2016, MnC Bank telah mengeluarkan saham dari portepel untuk penambahan Modal Ditempatkan dan Modal Disetor sebanyak 4.782.390.768 saham dengan

MnC Bank shareholders approved the implementation of the Capital Increase Without Preemptive rights by issuing a maximum of 1,912,956,307 shares or 10% of the paid up capital of MnC Bank, each with a nominal value of rp100, - per share which includes stock that will be issued to as Management and employee stock option Program (MesoP) - 286 943 446 shares with nominal value of rp100,- or 1.5% of the paid up capital of MnC Bank and for Capital Increases Without rights non MesoP as much as 1,626,012,861 shares with a value of rp100,- or 8.5 % of paid up capital of MnC Bank with regard to the provisions of the Financial services authority regulation (PoJk) no.38 / PoJk.04 / 2014 regarding Public limited Company Capital Increase Without Preemptive rights in accordance with the extraordinary General Meeting of shareholders (eGMs) resolutions dated 3 May 2016 as stated in the notary deed of aryani artisari, sH, M.kn no.11 dated 3 May 2016.

The MesoP was allocated in 2 stages, which are 50% for first Allocation or a total of 143,471,723 shares executed at the period of 1 July 2016 and 3 october 2016. second allocation of 50% or a total of 143,471,723 shares conducted on 2 april 2017 and 2 October 2017. The term of MESOP program was five years since the granted date.

Until the completion of first period of MESOP, there was no conversion that has been done.

Pursuant to the eGMs resolutions dated 15 July 2016, MnC Bank has issued shares from portepel for the addition of the Issued Capital and Paid-in Capital with Preemptive right amounted to 4,782,390,768

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nilai nominal rp 100 per saham serta menyetujui penerbitan Waran seri III sebanyak 4.782.390.768 waran yang dapat dikonversi menjadi saham baru dengan nilai nominal rp 100 per saham.

MnC Bank berhasil memperoleh dana dari hasil Penawaran Umum Terbatas V sebanyak 1.451.901.709 saham dengan nilai nominal rp 100 per lembar saham atau setara dengan rp 145,2 miliar. Dimana setiap 1 (satu) saham hasil pelaksanaan HMeTD tersebut melekat 1 (satu) Waran seri III yang dapat dikonversi menjadi saham baru dengan harga pelaksanaan rp 100 per saham, sehingga bernilai sebesar rp 145,2 miliar.

Pencatatan saham HMeTD di Bursa dilaksanakan pada tanggal 7 oktober 2016. Masa perdagangan sertifikat HMETD berlangsung sejak tanggal 6 Oktober sampai dengan 20 oktober 2016. sedangkan periode perdagangan Waran seri III dimulai sejak tanggal 7 oktober 2017 dengan periode perdangangan untuk Pasar reguler dan negosiasi sampai dengan tanggal 30 september 2019 dan periode perdagangan untuk Pasar Tunai sampai dengan 3 oktober 2019, dimana periode pelaksanaan Waran seri III baru akan dilaksanakan sejak 7 april 2017 hingga 4 oktober 2019, sebagaimana diumumkan pada Pengumuman Bursa efek Indonesia (dahulu Bursa efek Jakarta) no.Peng-00766/BeI.PP2/10-2016 tanggal 6 oktober 2016.

Jumlah saham beredar MnC Bank sebelum dilaksanakan HMeTD adalah sebanyak 19.129.563.072 saham. Jumlah tersebut meningkat menjadi 20.581.464.781 saham setelah pelaksanaan HMeTD. Dimana harga saham MnC Bank sebelum dan sesudah pelaksanaan HMeTD masing-masing sebesar rp 75 dan rp 69 per lembar saham.

shares with a nominal value of rp 100 per share, and approved the issuance of Warant series III amounted to 4,782,390,768 warant that can be converted into new shares with a nominal value of rp 100 per share.

MnC Bank successfully obtained proceeds from the rights Issue V amounted to 1,451,901,709 shares with a nominal value of rp 100 per share or equal with rp 145.2 billion. Whereby every 1 (one) share of the rights Issue proceed was attached to 1 (one) Warrant series III that can be converted into new share with execution price of rp 100 per share, hence valued at rp 145.2 billion.

The listing of rights Issue at the stock exchange was carried out on 7 october 2016. The transaction period of Rights Issue certificates was exercised since 6 october up to 20 october 2016. Whilst The trading period of the series III Warrants commenced on 7 october 2017 with a trading period for the regular and negotiated Market until september 30, 2019 and the trading period for the Cash Market until 3 october 2019, whereby the transaction period of new Warrant series III will be conducted since 7 april 2017 to 4 october 2019, as announced in the Indonesia stock exchange announcement (formerly Jakarta stock exchange) no.Peng-00766/BeI.PP2/10-2016 dated 6 october 2016.

Total outstanding share of MnC Bank prior to the rights Issue was amounted to 19,129,563,072 shares. The total was increased to 20,581,464,781 shares after the rights Issue. Whereby MnC Bank’s share prices prior and after the rights Issue, each at rp 75 and rp 69 per share respectively.

selama tahun 2016, terjadi satu kali penghentian sementara (suspense) atas perdagangan Waran seri III di Pasar regular dan Pasar Tunai selama 1 hari perdagangan, berdasarkan Pengumuman Bursa no.Peng-sPT-0050/BeI.Was/11-2016 tanggal 10 november 2016.

The Company has got one time suspension during 2016, for the transaction of Warrant series III at the regular Market and Cash Market during 1 day transaction, pursuant to the stock exchange announcement no.Peng-sPT-0050/BeI.Was/11-2016 dated 10 november 2016.

SuSPENSI DAN/ATAuDELISTINg

Suspension and/or Delisting

AKSI KORPORASICorporate Action

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Ikhtisar UtamaMain Highlights

PERISTIwApENTINg 20162016 Event Highlights

FebruariFebruary17

MnC Bank melakukan peresmian relokasi kantor Cabang Jambi yang hadir lebih dekat dengan masyarakat.

MnC Bank inaugurated the relocation of Jambi Branch Office to be closer to the communities.

MeiMay3

MnC Bank menyelenggarakan rapat Umum Pemegang saham Tahunan (rUPsT) dan rapat Umum Pemegang saham luar Biasa (rUPslB).

MnC Bank held the annual General Meeting of shareholders (aGMs) and extraordinary General Meeting of shareholders (eGMs).

MeiMay26

MnC Bank meresmikan kantor cabang baru di jalan Gatot subroto Bali.

MnC Bank inaugurated new branch office in Jl. Gatot Subroto Bali.

MeiMay31

Partisipasi MnC Bank dalam aksi Csr Donor Darah MnC Group rutin setiap 3 bulan sekali

MnC Bank participations in the MnC Group Blood Donor Csr Program, a routine once in three months program.

MeiMay23

MnC Bank gandeng Chandra sakti Utama leasing dalam penyaluran fasilitas kredit.

MnC Bank cooperates with Chandra sakti Utama leasing in the disbursement of loans facility.

FebruariFebruary29

Partisipasi MnC Bank dalam aksi Csr Donor Darah MnC Group rutin setiap 3 bulan sekali.

MnC Bank participation in the MnC Group Blood Donor Csr Program, a routine once in three months program.

AprilApril18

MnC Bank bekerjasama dengan PT andalan Finance Indonesia untuk meningkatkan fasilitas kredit.

MnC Bank cooperated with PT andalan Finance Indonesia to increase loan facilities.

MeiMay25 Tingkatkan aksesibilitas, MnC Bank resmikan kantor

baru di Tabanan Bali

Improving accessibility, MnC Bank inaugurated new office in Tabanan Bali.

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Powering GrowthToward Excellent Execution

JuliJuly28

MnC Bank Menjadi Tuan rumah kegiatan Bara BI-Monthly sharing session

MnC Bank held the Bara BI-Monthly sharing session.

AgustusAugust23

Partisipasi MnC Bank dalam aksi Csr Donor Darah MnC Group rutin setiap 3 bulan sekali.

MnC Bank participation in the MnC Group Blood Donor Csr Program, a routine once in three months program.

AgustusAugust5

MnC Bank berkolaborasi dengan Pollux Properties dalam Fasilitas kepemilikan apartemen

MnC Bank collaborated with Pollux Properties in the apartment ownership Facility.

PERISTIwA PENTING 20162016 Event Highlights

AgustusAugust18

MnC Bank raih penganugerahan dari aliansi Jurnalis Properti dan keuangan dalam kategori Perbankan.

MnC Bank received the award from the Property and Financial Journalist alliance in the Banking category.

JuliJuly15

MnC Bank melakukan rapat Umum Pemegang saham luar Biasa kedua (rUPs lB)

MnC Bank held the extraordinary General Meeting of shareholders (eGMs).

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Ikhtisar UtamaMain Highlights

PERISTIwA PENTING 20162016 Event Highlights

OktoberOctober8&15

MnC Bank mengadakan kompetisi Futsal antar karyawan untuk meningkatkan kekompakkan.

MnC Bank held Futsal Competition between employees to improve solidarity.

OktoberOctober14

MnC Bank memberi penghargaan untuk para Frontliner melalui Frontliner Service Award

MnC Bank awarded the Frontliners through the Frontliner service award.

SeptemberSeptember7

MnC Bank relokasi cabang di solo ke lokasi yang lebih strategis

MnC Bank relocates the sukoharjo branch to a strategic location.

SeptemberSeptember9

Menyambut idul adha, MnC Bank salurkan Hewan Qurban yang merupakan bagian dari tanggung jawab Csr perseroan.

Commemorating ied adha, MnC Bank distributes animal Sacrifices, as part of the Company’s Csr program.

SeptemberSeptember15

MnC Bank berikan edukasi dan literasi keuangan di Tarakan untuk Indonesia Cerdas keuangan

MnC Bank provides Financial education and literacy in Tarakan for Indonesia toward Better Financial awareness.

AgustusAugust31

MnC Bank melakukan penandatangan nota kesepahaman dengan PT Bank Central asia Tbk (BCa) dan PT rintis sejahtera (rintis) mengenai implementasi dari kartu Flazz dan pengembangan infrastruktur pendukung lainnya.

MnC Bank signed the Memorandum of Understanding with PT Bank Central asia Tbk (BCa) and PT rintis sejahtera (rintis) on the implementation of Flazz card and other supporting infrastructure development.

SeptemberSeptember5

MnC Bank ikut memperingati hari pelanggan nasional

MnC Bank celebrates national customers day.

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Powering GrowthToward Excellent Execution

PERISTIwA PENTING 20162016 Event Highlights

OktoberOctober19

MnC Bank memberikan edukasi dan literasi keuangan kepada siswa siswi di Pekanbaru

MnC Bank provides Financial education and literacy to the pupils in Pekanbaru.

NovemberNovember2

MnC Bank meraih juara 1 Volly Putra dan juara 3 Putri di MnC sport Cup

MnC Bank awarded 1st Champion of Volly of Male Group and 3rd Place for Female Group at the MnC sport Cup.

NovemberNovember13

Partisipasi MnC Bank pada kegiatan MnC Passion rUn dalam rangka menyambut anniversary MnC Group ke 27

MnC Bank participation in the MnC Passion run in commemorating MnC Group 27th anniversary.

NovemberNovember18

MnC Bank mendapat 3 penghargaan best employee oleh MnC Group dalam kategori Best Manager, Best Supervisor dan Best Officer.

MnC Bank received 3 best employee awards by MnC Group in the category Best Manager, Best supervisory, and Best Officer.

NovemberNovember28

MnC Bank melakukan Grand opening kantor Cabang Denpasar untuk perkuat akses perbankan

MnC Bank held the Grand opening of Denpasar Branch Office to strengthen banking access.

DesemberDecember7&8

rapat kerja nasional (rakernas) MnC Bank 2016 dilakukan di auditorium MnC Tower, Jakarta

MnC Bank national Working Meeting 2016 at the auditorium of MnC Tower, Jakarta.

NovemberNovember9

MnC Bank raih juara 1 Futsal pada MnC sport Cup

MnC Bank awarded 1st Champion of Futsal at the MnC sport Cup.

OktoberOctober20

Memasuki tahun kedua, MnC Bank merayakan 2nd anniversary dengan tema #Time2rock

entering second year, MnC Bank celebrates the 2nd anniversary with the theme #Time2rock.

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Kredit yang disalurkan dibandingkan dengan Tahun 2015 mengalami peningkatan sebesar 12,83%Loans disbursement year on year increased by 12.83%

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LApoRAN MANAJEMENMANAGEMENT REPORTS

24 laporan DireksiReport from the Board of Directors

36 laporan Dewan KomisarisReport from the Board of Commissioners

44 surat surat pernyataan anggota Direksi dan anggota Dewan Komisaris Tentang Tanggung jawab atas laporan Tahunan 2016 pT Bank MnC internasional TbkStatements of ResponsibilityOn 2016 Annual Report of PT Bank MNC Internasional Tbk by the Members of the Board of Commissionersand Board of Directors

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Laporan ManajemenManagement reports

perbankan nasional secara tahunan (YoY), Dana pihak

Ketiga (DpK) tumbuh sebesar 9,60% lebih

tinggi dibanding tahun 2015 yang sebesar 7,26%. penyaluran kredit tumbuh

sebesar 7,87%, lebih rendah dibanding

pertumbuhan tahun 2015 yang sebesar 10,44%.

National Banking wide Year on year, Third-Party

Funds grew 9.60% higher than the 2015 level of 7.26%. Loans

disbursement grew 7.87% lower than

the 2015 growth of 10.44%.

Benny PurnomoPresiden DirekturPresident Director

LAPORANDIREKSIBoard of Directors’ Report

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Powering GrowthToward Excellent Execution

sebagai bank hasil akusisi yang dilakukan pada tahun 2014, MnC Bank perlu melakukan perubahan yang mendasar dan menyeluruh dalam bingkai agenda transformasi. Menganalogikan pembangunan sebuah gedung, fondasi yang kokoh merupakan syarat mutlak agar bangunan bisa berdiri. oleh karenanya, sejak dipercaya memimpin MnC Bank pada akhir tahun 2014, langkah awal yang kami lakukan adalah memperkuat fondasi MnC Bank. Perubahan dilakukan mulai dari visi dan misi, nilai-nilai inti, sampai arah dan strategi bisnis MnC Bank.

seperti diketahui pada tahun 2015, kami menguatkan pilar-pilar transformasi dengan melakukan antara lain transformasi perubahan struktur organisasi, pengelolaan sDM dan pengembangan infrastruktur yang dibutuhkan.

Kontinuitas kami dalam melaksanakan agenda transformasi secara menyeluruh telah memberi dampak positif terhadap pencapaian aspek keuangan maupun non-keuangan. Ke depan, dengan fondasi dan fokus bisnis yang kuat kami siap untuk lepas landas dengan mengeksekusi program-program unggulan yang telah disiapkan menuju pertumbuhan yang berkelanjutan.

Our continuity in carrying out the comprehensive transformation agenda had a positive effect on both financial and non-financial aspects. Moving forward, with a strong business focus and foundations, we are ready to launch superior programs that have been prepared with the goal of powering sustainable growth.

para pemangku Kepentingan dan pemegang Saham yang Kami Hormati, Dear stakeholders and respected shareholders,

LAPORAN DIREKSIBoard of Directors’ Report

Following an acquisition in 2014, MnC Bank needs to undertake fundamental and comprehensive change as part of a transformation agenda. Using the analogy of the construction of a building, “sturdy foundations are imperative if an edifice is to stand”. As such, since being invested with the trust to lead MnC Bank at the end of 2014, we have worked to strengthen MnC Bank’s foundations, underwent changes to MnC Bank’s vision and mission, core values and business strategy and direction.

We strengthened the pillars of transformation in 2015; this was carried out through transformation of organization structure, human capital enhancement and required infrastructure development.

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Laporan ManajemenManagement reports

selanjutnya pada tahun 2016, kami melanjutkan program yang telah dilakukan pada tahun sebelumnya, dimana arah strategi bisnis berfokus pada segmen konsumer dan retail dengan segmen komersial dan korporasi sebagai pendukungnya. Transformasi dilakukan melalui pengembangan sDM, infrastruktur dan meningkatkan kualitas aset. Pengembangan sDM dalam aspek kuantitas dan kualitas merupakan upaya untuk meningkatkan layanan prima kepada nasabah. sejalan hal tersebut, kami terus menata dan memperluas jaringan kantor pelayanan dan melengkapinya dengan sistem teknologi digital terkini untuk memenuhi kebutuhan nasabah. sedangkan peningkatan kualitas aset, kami melakukannya dengan menekan angka kredit bermasalah di level minimal.

kontinuitas kami dalam melaksanakan agenda transformasi secara menyeluruh telah memberi dampak positif terhadap pencapaian aspek keuangan maupun non- keuangan. ke depan, dengan fondasi dan fokus bisnis yang kuat kami siap untuk lepas landas dengan mengeksekusi program-program unggulan yang telah disiapkan menuju pertumbuhan yang berkelanjutan.

Kondisi perekonomian dan Industri perbankansepanjang tahun 2016, perekonomian global mengalami perlambatan dan dibayangi risiko ketidakpastian. IMF memproyeksi pertumbuhan ekonomi global sebesar 3,1%, turun dibanding tahun 2015 sebesar 3,2%. risiko ketidakpastian terutama bersumber dari permintaan negara-negara maju yang menurun, perlambatan ekonomi Tiongkok dan pengetatan kebijakan moneter amerika serikat. selain itu, dari meningkatnya kecenderungan proteksionisme ekonomi di antara negara-negara maju.

Dalam perekonomian dunia yang semakin terintegrasi, situasi global berdampak terhadap perkembangan domestik di masing-masing negara. Pertumbuhan ekonomi Indonesia sebesar 5,02%, lebih tinggi dibanding tahun 2015 yang sebesar 4,88%. Dari sisi pengeluaran, sumber pertumbuhan berasal dari pembentukan modal tetap bruto dan konsumsi swasta yang tetap terjaga. sedangkan kinerja perdagangan terutama nilai ekspor mengalami tekanan.

In 2016, we continued a program begun the previous year, with business strategic direction focused on the consumer and retail segment, supported by the corporate and commercial segment. Transformation has involved development of human capital (HC) and infrastructure and improving the quality of assets. HC development in terms of quantity and quality forms part of efforts to step up frontline services to customers. In conjunction, we continually regovern and expand our service office network and equip it with the advance digital technology system to meet client needs. Meanwhile, as regards improvements to asset quality, we kept non-performing loans to a minimum.

our continuity in carrying out the comprehensive transformation agenda had a positive effect on both financial and non-financial aspects. Moving forward, with a strong business focus and foundations, we are ready to launch superior programs that have been prepared with the aim of achieving sustainable growth.

Economic and Banking Industry conditionsThroughout 2016, the global economy experienced downturn and overshadowed by uncertainty risk. The IMF projected global economic growth of 3.1%, a decrease from 3.2% in 2015. Uncertainty risk arose principally from decreasing demand in developed nations, economic downturn in China and stringent monetary policy in the Us, alongside an increase in protectionism in developed countries.

In an increasingly integrated global economy, the global situation affects domestic developments in each country. In Indonesia, economic growth stood at 5.02%, increasing from 4.88% the previous year. as regards expenditure, sources of growth included gross fixed capital formation and private consumption. Meanwhile, trade performance, especially export value, experienced pressure.

LAPORAN DIREKSIBoard of Directors’ Report

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Powering GrowthToward Excellent Execution

Inflasi Indeks Harga Konsumer tahun 2016 mencapai 3,02% yoy dan berada pada batas bawah kisaran yaitu sebesar 4±1%. Inflasi tersebut terutama disumbang oleh komponen administered prices dan volatile food, sementara inflasi inti tercatat relatif rendah sebesar 3,07%. (sumber: Bank Indonesia, Januari 2017).

kondisi ekonomi domestik yang membaik mendorong penguatan IHsG dan apresiasi rupiah masing-masing sebesar 13,42% dan 2,50% sepanjang 2016. sentimen positif domestik terkait perkembangan perekonomian yang lebih baik dari ekspektasi pasar dan program keberhasilan pengampunan pajak dinilai mampu menjaga penguatan IHsG dan nilai Tukar di tengah dinamika kenaikan Fed Fund Rate (FFR) dan fluktuasi harga minyak. (sumber: oJk, Desember 2016).

Dengan kondisi makro ekonomi yang tumbuh stabil, kegiatan intermediasi perbankan menunjukkan pertumbuhan yang moderat. secara tahunan (YoY), Dana Pihak ketiga (DPk) tumbuh sebesar 9,60% lebih tinggi dibanding tahun 2015 yang sebesar 7,26%. Penyaluran kredit tumbuh sebesar 7,87%, lebih rendah dibanding pertumbuhan tahun 2015 yang sebesar 10,44%. sedangkan kredit bermasalah (nPl) realisasinya lebih tinggi, dari 2,49% di tahun 2015 menjadi 2,93% di tahun 2016.

secara industri, kesehatan perbankan nasional dalam kondisi terjaga dengan didukung tingkat permodalan yang tinggi dan likuditas memadai. selain itu, tetap menjadi sumber pendanaan utama dalam proses pembangunan.

Strategi dan Inisiatif Tahun 2016sesuai dengan cetak biru Transformasi yang sudah disusun sejak tahun 2015, MnC Bank memiliki strategi dan inisiatif yang berkesinambungan dengan berfokus pada segmen konsumer dan retail didukung segmen komersial dan korporasi.

kami mencanangkan strategi dan inisiatif, baik dalam aspek keuangan dan non keuangan yang dilakukan MnC Bank sepanjang tahun 2016, sebagai berikut.

Penambahan modal melalui proses rights issue guna memperkuat struktur permodalan. Berdasarkan surat pernyataan efektif dari Dewan komisioner oJk no.s-531/D.04/2016, MnC Bank melakukan Penawaran Umum Terbatas V (“PUT V”) dalam rangka penerbitan

Inflation in the Consumer Prices Index reached 3.02% yoy, standing at the lower limit of the range of 4±1%. This inflation was primarily derived from administered prices and volatile food, while core inflation was recorded at the relatively low level of 3.07%. (source: Bank Indonesia, January 2017).

Improved domestic economic conditions spurred the Jakarta Composite Index (JCI) and rupiah appreciation to, respectively, 13.42% and 2.50% during 2016. Positive domestic sentiment arising from better economic developments than market expectations and the success of the tax amnesty proved able to strengthen the JCI and the exchange rate amid dynamic increases in the Fed Fund Rate (FFR) and fluctuations in the price of oil (source: oJk December 2016).

With macro-economic conditions growing at a stable level, banking intermediation activity indicated moderate growth. Year on year, Third-Party Funds grew 9.60% higher than the 2015 level of 7.26%. loans disbursement grew 7.87% lower than the 2015 growth of 10.44%. While the non-performing loans (nPl) recorded higher realization from 2.49% in 2015 to 2.93% in 2016.

In the industry, the soundness of national banking was maintained, supported by high levels of capital and adequate liquidity. Moreover the industry remained the primary source of funding for construction.

Strategies and Initiatives In 2016In line with the Transformation blueprint outlined in 2015, MnC Bank has in place balanced strategies and initiatives with a focus on the consumer and retail segment, supported by the commercial and corporate segment.

We enacted the following strategies and initiatives, both in financial and non-financial aspects by MNC Bank during 2016.

Capital injection through a rights issue in order to strengthen the capital structure. Pursuant to effective statement from the Board of Commissioners of the Financial services authority with the letter no.s-531/D.04/2015, MnC Bank conducted rights Issue V

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HMeTD sebanyak-banyaknya 4.782.390.768 lembar saham dengan nilai nominal rp 100 per saham. MnC Bank berhasil memperoleh dana dari hasil Penawaran Umum Terbatas V sebanyak 1.451.901.709 saham dengan nilai nominal rp 100 per lembar saham atau setara dengan rp 145,2 miliar. adapun setiap 1 (satu) saham hasil pelaksanaan HMeTD tersebut melekat 1 (satu) Waran seri III yang dapat dikonversi menjadi saham baru dengan harga pelaksanaan rp 100 per saham, sehingga bernilai sebesar rp 145,2 miliar. Pelaksanaan Waran seri III dapat dilaksanakan mulai tanggal 7 april 2017 sampai dengan 4 oktober 2020.

Penambahan Modal Tanpa HMeTD dengan cara mengeluarkan 1.912.956.307 saham atau 10% dari modal disetor Perseroan, masing-masing dengan nilai nominal rp100,- per saham yang mencakup saham yang akan dikeluarkan untuk MesoP sebanyak-banyaknya 286.943.446 saham dengan nilai nominal rp100,- atau 1,5% dari seluruh saham yang telah ditempatkan dan disetor penuh dalam Perseroan serta untuk Penambahan Modal Tanpa HMeTD non MesoP sebanyak-banyaknya 1,626,012,861 saham dengan nilai rp100,- atau 8,5% dari seluruh saham yang telah ditempatkan dan disetor penuh dalam Perseroan

Pada Customer Acquisition Strategy, kami membangun dan meningkatkan jumlah nasabah melalui sinergi antar perusahaan, karyawan, rekanan dan nasabah dalam Grup MnC dan di luar grup MnC.

Di investasi TI, kami mengembangkan saluran distribusi terutama pengembangan distribusi elektronik (e-channel) dan aplikasi mobile banking, internet banking serta aplikasi-aplikasi digital banking lainnya.

Dalam hal pengembangan bisnis, kami memperkuat Tim Task Force untuk penyelesaian kredit bermasalah. Melakukan pengembangan produk dan jasa untuk segmen konsumer di antaranya dengan menjalin kerja sama dengan 39 perusahaan dalam penyaluran fasilitas kredit. selanjutnya, dalam hal Business process reengineering dan pengembangan infrastruktur, MnC Bank telah melakukan penandatangan nota kesepahaman dengan PT Bank Central asia Tbk (BCa) dan PT rintis sejahtera mengenai implementasi dari kartu Flazz dan pengembangan infrastruktur

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with preemprive rights at 4,782,390,768 shares with the nominal value of rp 100 per share. MnC Bank succesfully recorded proceeds from the rights issue amounted to 1,451,901,709 shares with a nominal value of rp 100 per share or equal with rp 145.2 billion. as for each 1 (one) share from the rights issue are attached 1 (one) Warrant series III, which can be converted into new shares with an execution price of rp 100 per share, hence valued at rp 145.2 billion. The implementation of Warrant serie III will be conducted starting from 7 april 2017 to 4 october 2020.

Capital Increase Without Preemptive rights by issuing 1,912,956,307 of shares, or 10% of MnC Bank’s paid-in capital. each share was valued at rp100 per share and included shares to be issued under MesoP, which may not exceed 286,943,446 of shares at a nominal value of rp100 or 1.5% of the total issued and paid-in capital; and for Capital Increase Without Preemptive rights non-MesoP, which may not exceed 1,626,012,861 of shares at nominal value of rp100 or 8.5% of the total issued and paid-in capital of MnC Bank.

Under Customer acquisition strategy, we developed and increased the number of customers through synergy between companies, employees, partners and customers within or outside the MnC group.

on IT investment, we developed distribution channels, especially for electronic distribution (e-channel) and mobile banking, internet banking applications, as well as other digital banking applications.

on business development, we strengthened the Task Force Team tasked with resolving non performing loans. The development of products and services for the consumer segment, including cooperation with 39 companies to channel loan facilities was also carried out. Furthermore, regarding Business process reengineering and infrastructure development. MnC Bank has signed an MoU with PT Bank Central asia Tbk (BCa) and PT rintis sejahtera on the implementation of the Flazz card and development of other supporting

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pendukung lainnya. kolaborasi antara MnC Bank dan BCa meliputi penerbitan kartu prabayar multiguna BCa, yaitu Flazz. sedangkan, antara MnC Bank dan rintis adalah bergabungnya MnC Bank dalam Jaringan PrIMa.

Dalam hal penataan kantor pelayanan, kami melakukan konsolidasi jaringan kantor, baik melalui pembukaan kantor baru maupun relokasi kantor eksisting. kantor-kantor yang berada di lokasi yang kurang strategis dipindahkan ke lokasi yang lebih strategis.

Pengembangan struktur organisasi dan karyawan, juga terus kami lakukan dalam pengembangan sDM.

Dalam hal kepatuhan terhadap peraturan perundang-undangan, kami melakukan kajian dan perbaikan atas kebijakan dan prosedur untuk memperkuat sistem pemantauan kepatuhan Perseroan, serta mengembangkan infrastruktur manajemen risiko dan memperkuat Good Corporate Governance (GCG) Perseroan.

pencapaian Kinerja 2016Menjalankan bisnis dengan fokus pada segmen konsumer dan ritel berdampak terhadap kinerja keuangan MnC Bank sepanjang tahun 2016. secara tahunan (YoY), penyaluran kredit meningkat sebesar 12,83% dari rp7,08 triliun menjadi rp7,99 triliun. DPk meningkat sebesar 5,87% dari rp9,77 triliun menjadi rp10,34 triliun. Total aset naik sebesar 7,58% dari rp12,14 triliun menjadi rp13,06 triliun.

Dengan meningkatnya penyaluran kredit berdampak terhadap tumbuhnya Pendapatan bunga bersih sebesar 27,78% YoY dari rp287,11 miliar menjadi rp366,85 miliar. sedangkan laba sebelum pajak meningkat sebesar 17,41% dari rp11,19 miliar menjadi rp13,14 miliar. sementara laba bersih naik sebesar 14,32% dari rp8,18 miliar menjadi rp9,35 miliar.

rasio kredit bermasalah (NPL net) jauh dibawah ketentuan regulasi dibawah 5% yaitu sebesar 2,38% turun dibanding tahun 2015. Untuk menekan pembiayaan bermasalah, MnC Bank telah membentuk satuan tugas khusus. Tingkat likuiditas yang direpresentasikan loan to funding ratio (lFr) naik menjadi 77,20% lebih tinggi dibanding tahun 2015 yang sebesar 72,29%.

LAPORAN DIREKSIBoard of Directors’ Report

infrastructure. This collaboration between MnC Bank and BCa covers the issuance of BCa’s multipurpose prepaid card, Flazz. Meanwhile, the cooperation with rintis involves MnC’s joining the PrIMa network.

On the governance of service offices, we consolidated office networks, both in terms of opening new offices or relocation of existing offices. The less strategic location of offices were moved to a more strategic location.

on Human resources, we developed employees and organizational structures.

In our compliance to the laws and regulations, we have analyzed and improved policy and procedure in order to strengthen supervision of MnC Bank’s compliance, including to developing risk management infrastructure and strengthening MnC Bank’s GCG.

performance Achievements In 2016ensuring business focus on consumer and retail segments had a positive effect on MNC Bank’s financial performance throughout 2016. Year on year, loan disbursement increased 12.83% from rp7.08 trillion to rp7.99 trillion. Third-Party Funds grew by 5.87% from rp9.77 trillion to rp10.34 trillion. Total assets increased by 7.58% from rp12.14 trillion to rp13.06 trillion.

The increase of loan disbursement led to the growth of net interest income by 27.78% YoY from rp287.11 billion to Rp366.85 billion. Meanwhile net profit before tax increased by 17.41% from rp11.19 billion to Rp13.14 billion. Whilst net profit grew 14.32% from rp8.18 billion to rp9.35 billion.

net non-performing loans (net nPl) was far below the 5% limit set by regulators, which stood at 2.38% improving compared with the 2015 level. In order to maintain non-performing loans, MnC Bank has in place a task force. The liquidity level represented by loan to funding ratio (lFr) increased to 77.20%, higher than the 2015 level of 72.29%.

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Target & Realisasi 2016Target & realization in 2016(dalam rp miliar | in rp billion)

Target 2016

Realisasirealization

KeteranganRemarks

Total aset 13,138 13,060 Dibawah targetBelow Target

Total assets

kredit 7,803 7,994 Diatas targetabove Target

loans

DPk 9,605 10,340 Diatas targetabove Target

Third Party Funds

labaTahun Berjalan 9.14 9.35 Diatas targetabove Target

Profit for the Year

Kendala yang Dihadapi Dalam menjalankan operasional perusahaan, kendala yang dihadapi terutama berasal dari eksternal. akibat perlambatan ekonomi menyebabkan laju kredit secara industri tidak setinggi tahun-tahun sebelumnya. Dunia usaha terlihat menunggu momentum pemulihan ekonomi.

sedangkan di internal, sebagai bank hasil akuisisi, MnC Bank masih menghadapi tantangan pengembangan sDM, infrastruktur dan kualitas pembiayaan.

prospek UsahaPertumbuhan ekonomi pada tahun-tahun mendatang diproyeksi akan lebih baik dibanding tahun 2016. sejalan dengan perbaikan ekonomi, tingkat pendapatan masyarakat akan meningkat. oleh karenanya, mendorong peningkatan permintaan terhadap barang dan jasa. Tumbuhnya kelas menengah yang membutuhkan gaya hidup modern sebagai penanda kelas sosial tersendiri merupakan pasar potensial bagi pemasaran produk-produk konsumer seperti kendaraan, properti dan kartu kredit. Terlebih segmen ini memiliki daya beli yang relatif tinggi.

Populasi masyarakat menengah yang diproyeksi terus meningkat merupakan target pasar utama MnC Bank yang fokus pada bisnis konsumer dan didukung segmen korporasi dan komersial.

Tahun 2017 adalah masa tinggal landas bagi MnC Bank sesuai dengan program Transformasi yang telah dicanangkan. sejauh ini, posisi dan arah bisnis yang kami jalankan sudah berada di jalur yang tepat.

LAPORAN DIREKSIBoard of Directors’ Report

challengesIn carrying out corporate operations, challenges came from both internally and externally. economic slowdown impacted loans in the overall industry to decrease from previous years, with the business world waiting for economic recovery.

Internally, as the result of an acquisition, MnC Bank continued to face challenges relating to HC, infrastructure and financing quality.

Business prospectseconomic growth is forecasted to be higher in coming years compared with 2016. In line with economic improvement, incomes will increase among the public, driving demand for goods and services. The growth of the middle class, which requires a modern lifestyle as a class indicator, is in itself a potential market for consumer products such as vehicles, property and credit cards, with relatively high purchasing power.

The growing middle classes are a primary target market for MnC Bank, which places a focus on consumer business supported by the corporate and commercial segment.

For MnC Bank, 2017 is set to be a breakthrough year, in accordance with the Transformation program. To date, our business direction and position are on the right track. In order to further penetrate major markets

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Untuk lebih meningkatkan penetrasi pasar utamanya di segmen konsumer, kami memiliki sejumlah produk unggulan yang didukung teknologi terkini yang akan diluncurkan pada tahun 2017. Bisa disebut, tahun 2017 adalah tahun eksekusi dari produk-produk unggulan tersebut.

Terdapat 18 aktivitas yang akan dieksekusi di antaranya penguatan permodalan, platform digital dan intensif dalam penyelesaian kredit bermasalah

Implementasi Tata Kelola perusahaan sebagai perusahaan terbuka, MnC Bank sangat menyadari bahwa penerapan GCG merupakan suatu kebutuhan untuk menjaga kepentingan seluruh pemangku kepentingan. secara berkelanjutan, prinsip-prinsip dasar GCG berupaya dilaksanakan.

Dalam upaya meningkatkan kualitas penerapan GCG secara konsisten dan berkesinambungan, sejak tahun 2015 MnC Bank telah memiliki roadmap GCG, yang mencakup tahapan-tahapan yang telah dicapai dalam membangun nilai-nilai tata kelola berdasarkan ketentuan tentang Penerapan GCG bagi Bank Umum. Dalam tiga tahun terakhir Bank telah melaksanakan beberapa inisiatif strategis dalam penyempurnaan pelaksanaan GCG.

Pada tahun 2016, MnC Bank melakukan inisiatif strategis antara lain meningkatkan fungsi kepatuhan dan manajemen risiko, pemenuhan struktur dan komposisi Dewan komisaris, Direksi dan pejabat eksekutif, pemenuhan dan penyesuaian kebijakan, sistem dan prosedur, penyempurnaan kebijakan dan sistem & prosedur kredit konsumer serta menetapkan dan melaksanakan training GCG kepada seluruh karyawan.

perubahan Komposisi Direksi dan Dewan Komisaris

rapat Umum Pemegang saham Tahunan (rUPsT) Perseroan Tahun Buku 2015, yang diselenggarakan pada 3 Mei 2016, salah satu agendanya adalah menyetujui perubahan komposisi Direksi dan Dewan komisaris.

rapat menegaskan pengunduran diri ibu Tjit siat Fun sebagai Direktur kepatuhan Perseroan. Menyetujui pengangkatan Ibu Chisca Mirawati sebagai Direktur yang membawahkan Fungsi kepatuhan Perseroan yang

LAPORAN DIREKSIBoard of Directors’ Report

in the consumer segment, we have prepared a number of excellent products supported by the advance technology, set to be launched in 2017, which could be described as the execution year for these products.

eighteen activities will be executed, including capital strengthening, digital platforms and intensive resolution of non-performing loans.

Implementation of corporate governanceas a public company, MnC Bank is fully aware that Good Corporate Governance (GCG) is vital to guarding the interests of stakeholders, and strives to continuously implement the core principles of GCG.

as part of efforts to step up the quality of GCG implementation in a consistent and sustainable manner, MnC Bank has in place since 2015 a GCG roadmap covering the stages already reached in developing governance principles based on the conditions of GCG implementation for Commercial Banks. For the last three years, MnC Bank has put in place a number of strategic initiatives aiming to refine its GCG implementation.

In 2016, MnC Bank carried out strategic initiatives including enhancing the compliance function and risk management, adapting the structure and composition of the Board of Commissioners, Board of Directors and executive posts, fine-tuning of policy and consumers loans systems and procedures and designing and delivering GCG training programs for all employees.

changes to the composition of the Boards of Directors and commissionersat the annual General Meeting of shareholders (aGMs) for Financial Year 2015 held on 3 May 2016, the agenda included approval of changes to the Boards of Directors and Commissioners.

The Meeting approved the resignation of Tjit siat Fun as MnC Bank’s Compliance Director. Hence Chisca Mirawati was appointed as the new Director overseeing Compliance, with a term of service effective

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baru, dengan masa jabatan yang akan berlaku efektif terhitung sejak tanggal yang ditetapkan dalam surat persetujuan dari otoritas Jasa keuangan (oJk) sampai dengan penutupan rUPsT yang akan diselenggarakan pada tahun 2020.

Menyetujui dan menerima pengunduran diri Bapak Bambang ratmanto dari jabatannya selaku Presiden komisaris merangkap komisaris Independen Perseroan, terhitung sejak penutupan rapat. selain itu, menyetujui pengangkatan Bapak eko B. supriyanto yang semula menjabat sebagai komisaris Independen Perseroan menjadi Presiden komisaris (Independen) Perseroan dan menyetujui pengangkatan Bapak rusli Witjahjono sebagai komisaris Independen Perseroan yang baru, masing-masing akan berlaku efektif terhitung sejak tanggal yang ditetapkan dalam surat persetujuan dari oJk, sampai dengan penutupan rUPsT yang akan diselenggarakan pada tahun 2018.

Berikut susunan Dewan komisaris dan Direksi per 31 Desember 2016:

Dewan Komisaris | Board of CommissionersPresiden komisaris (Independen) President Commissioner (Independent) : eko B. supriyantokomisaris | Commissioner : Purnadi Harjono komisaris Independen | Independent Commissioner : rusli Witjahjono

Direksi | Board of DirectorsPresiden Direktur | President Director : Benny Purnomo Direktur | Director : Benny HelmanDirektur | Director : Nerfita Primasari Direktur | Director : Widiatama BunartoDirektur kepatuhan Compliance Director : Chisca Mirawati

pengembangan Sumber Daya Manusia Peran sDM sangat penting dalam mendukung pelaksanaan agenda transformasi MnC Bank. oleh karenanya, MnC Bank secara konsisten melaksanakan kegiatan pelatihan dan pendidikan terhadap seluruh karyawan yang ada di setiap satuan kerja di kantor Pusat dan kantor Cabang yang meliputi program pelatihan wajib, Product & technical skill, Program kepemimpinan Soft skill dan Culture & Service Quality.

as stipulated in the approval letter from the Financial services authority (oJk) and until the end of the aGMs to be held in 2020.

The meeting also approved the resignation of Bambang ratmanto from his position as President Commissioner and Independent Commissioner, effective as of the conclusion of the Meeting. subsequently the Meeting approved eko Budi supriyanto, formerly Independent Commissioner, as President Commissioner (Independent) and appointed rusli Witjahjono as new Independent Commissioner, with their respective terms of service effective as of the date stipulated in oJk approval letter and until the close of the aGMs to be held in 2018.

Following is the composition of the Board of Commissioners and Board of Directors as of 31 December 2016:

Human capital DevelopmentThe role of HC is extremely important in supporting MnC Bank’s transformation agenda. as such, MnC Bank continually carries out training and education programs for all employees at each Working Unit in Head Office and Branch Offices, covering obligatory training, product & technical skills, leadership Programs and soft skills and Cultural & service Quality.

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selain program pendidikan dan pelatihan, MnC Bank menjalanan ketentuan regulasi berupa pemenuhan sertifikasi manajemen risiko, mulai dari Komisaris sampai empat level di bawah Direksi.

pembangunan yang Berkelanjutan dan Tanggung Jawab SosialMnC Bank memiliki komitmen bahwa pembangunan yang berkelanjutan dan tangung jawab sosial (Csr) merupakan bagian aktivitas yang penting bagi perusahaan. Pelaksaaan program Csr memiliki empat pilar yaitu tanggung jawab lingkungan; ketenagakerjaan, kesehatan dan keamanan kerja; sosial dan kemasyarakatan; serta barang, jasa dan konsumen. Pada tahun 2016 ini, penekanannya pada pemberdayaan masyarakat dan mendukung program financial inclusion.

Dalam tanggung jawab terhadap lingkungan, MnC Bank telah melakukan beberapa upaya, diantaranya penghematan penggunaan kertas, penghematan penggunaan listrik dan penggunaan bahan bakar minyak.

MnC Bank melaksanakan tanggung jawab dalam bidang ketenagakerjaan, kesehatan dan keamanan kerja (k3). Di sub-bidang ketenagakerjaan meliputi kesetaraan gender dan kesempatan kerja, kesetaraan dalam program pendidikan dan pelatihan dan remunerasi berbasis merit system dengan mengedepankan skill, kompetensi dan integritas. Di sub-bidang kesehatan, MnC Bank menyediakan layanan kesehatan bagi karyawan beserta keluarga inti yang menjadi tanggungan, diantaranya rawat inap, rawat jalan, penggantian kacamata, medical check up dan penggantian biaya persalinan hingga anak ke-3. sedangkan di sub-bidang keamanan kerja, MnC Bank mengutamakan lingkungan kerja yang aman seperti menggunakan gedung yang telah memiliki standar keselamatan. setiap gedung dilengkapi dengan perangkat keselamatan seperti apar, Smoke detector, Diesel Pump dan Tangga Darurat. selain itu, seluruh karyawan diikutsertakan sebagai peserta BPJs ketenagakerjaan.

Di bidang sosial dan kemasyarakatan, beberapa aktivitas yang dilakukan seperti kegiatan Maulid nabi Muhammad 1437 H, program rutin Csr Donor Darah “MNC Love Donation”, Edukasi dan Literasi Keuangan,

LAPORAN DIREKSIBoard of Directors’ Report

In addition to training and education programs, MnC Bank also fulfills regulatory stipulations in the form of risk management certification, from the Board of Commissioners up to to four levels below the Board of Directors.

Sustainable Development and corporate Social ResponsibilityMnC Bank is committed to developing its sustainable development and corporate social responsibility (Csr) with activities that are important to MnC Bank. Csr programs cover four pillars, which are environmental responsibility; employment, health and safety; social and community; and services, goods and consumer responsibility. In 2016, we set a focus on community empowerment and the financial inclusion program.

In its environmental responsibility, MnC Bank carries out a number of efforts, including cutting usage of paper, electricity and oil.

MnC Bank also implements responsibilities in the employment and occupational health and safety (oHs). In the employment are issues such as opportunity and gender equality; equality of education and training; and merit-based remuneration prioritizing skills, competence and integrity. In health, MnC Bank offers health services to employees and their immediate families, covering inpatient and outpatient treatment, replacement of spectacles, medical check-ups and birth fees up to the third child. Meanwhile, in the occupational safety, MnC Bank prioritizes a safe workplace environment and only uses buildings that meet safety standards. each building is equipped with safety equipment such as apar, smoke detectors, diesel pumps and emergency staircases. all employees are moreover signed up to the BPJs employment program.

In social and community, activities included the celebration of the 1437 H Birthday of the Prophet Muhammad; the routine Csr blood-donation program “MNC Love Donation”; Financial Literacy and

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Laporan ManajemenManagement reports

Benny PurnomoPresiden Direktur

President Director

LAPORAN DIREKSIBoard of Directors’ Report

buka puasa bersama dan santunan kepada anak yatim pada bulan ramadhan, memberikan dukungan di bidang olahraga, partisipasi pada acara loj conference, memberikan sumbangan hewan qurban, donasi dalam kegiatan sekolah anak jalanan (saJa) dan sumbangan Ibadah natal.

penghargaansepanjang tahun 2016, MnC Bank menerima penghargaan dari aliansi jurnalis Property & keuangan dalam kategori Perbankan yang diselenggarakan oleh Majalah Property & Bank.

Apresiasiakhir kata, kami mengucapkan terima kasih kepada pemegang saham, pemangku kepentingan serta mitra bisnis yang telah memberikan kepercayaan. Terima kasih kepada Dewan komisaris atas arahan dan saran yang telah diberikan kepada kami. Tak lupa, kami ucapkan terima kasih kepada mitra kerja, pemerintah dan pemangku kepentingan lainnya. atas kepercayaan para nasabah kami juga mengucapkan terima kasih. kami juga menyampaikan apresiasi tinggi kepada manajemen dan semua karyawan MnC Bank atas komitmen dan dedikasinya dalam upaya memajukan usaha MnC Bank.

Jakarta, april 2017atas nama Direksi | on Behalf of the Board of Directors

education: breaking of the fast together and visits to orphans during the month of ramadhan; support in the field of sports; participation at conferences; donation of sacrificial animals; donations to street-children charity saJa; and donations at Christmas.

AwardsThroughout 2016, MnC Bank received the awards from the Property & Financial journalist alliance in the Banking category held by the Property & Bank Magazine.

conclusionIn closing this message, we would like to thank the shareholders, stakeholders and business partner for their continued trust. We convey our appreciation to the Board of Commissioners for their direction and advice. We furthermore thank our working partners, the government and all other stakeholders. For their confidence in us, we thank our customers. We also offer our most sincere thanks to the management and all employees of MnC Bank for their commitment and dedication to MnC Bank’s forward progress.

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3. widiatama BunartoDirektur Operasional & TeknologiOperation & Technology Director

1. Benny HelmanDirektur KeuanganFinance Director

4. Chisca MirawatiDirektur KepatuhanCompliance Director

5. Nerfita PrimasariDirektur SDM & General ServicesHuman Recourses & General Services Director

DIREKSIBoard of Directors

2. Benny PurnomoPresiden DirekturPresident Director

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Laporan ManajemenManagement reports

Eko B. SupriyantoPresiden Komisaris (Independen)President Commissioner (Independent)

LAPORANDEwAN KoMISARISReport from the Board of Commissioners

Stabilitas makro ekonomi domestik cukup solid,

antara lain terlihat dari Neraca pembayaran yang cukup kuat, tingkat inflasi

yang terjaga dan nilai tukar rupiah yang relatif stabil.

The stability of the domestic macro economy was reasonably solid, as could be seen from the fairly strong Balance of Payments, maintained inflation rates and

the stable rupiah exchange rate.

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“pengembangan infrastruktur melalui penataan maupun perluasan jaringan kantor pelayanan dengan dukungan teknologi digital terkini telah dapat meningkatkan citra positif MNc Bank. Selain itu, akan meningkatkan daya saing dalam perolehan DpK. Sejalan dengan hal ini, penguatan permodalan yang telah dilakukan pada tahun 2016, menambah kuatnya fondasi dalam mengeksekusi rencana-rencana bisnis MNc Bank”Infrastructure development through updating and expansion of service office networks with the support of the latest technology was able to enhance MNC Bank’s positive image. Subsequently, it also improved competitiveness in obtaining third-party funds. In line with this, the strengthening of capital in 2016 added to the strength of MNC Bank’s foundation to implement business plans.”

sebagai bank hasil akuisisi, MnC Bank mesti melakukan perubahan mendasar dalam setiap aspek yang terbingkai dalam program Trasnformasi. Tahun 2016 merupakan tahap final Transformasi sebelum MnC Bank lepas landas dengan beragam produk dan layanan unggulan.

kami telah memberikan saran dan arahan yang konstruktif kepada Direksi yang secara operasional melaksanakan program Transformasi tersebut. sejalan dengan hal itu, kami juga telah melaksanakan fungsi pengawasan, baik terhadap tata kelola maupun eksekusi program transformasi melalui mekanisme dan aturan MnC Bank serta perundangan yang berlaku.

arah dan strategi bisnis yang telah dijalankan oleh Direksi dengan berfokus pada segmen konsumer didukung segmen komersial dan korporasi sudah berada di jalur yang tepat. Hal ini terlihat dari kinerja MnC Bank yang terus bertumbuh positif.

LAPORAN DEwAN KOMISARISReport from the Board of Commissioners

pemegang Saham dan para pemangku Kepentingan yang Kami Hormati, Dear respected shareholders and stakeholders,

as a bank resulting from an acquisition, MnC Bank carried out fundamental changes to every aspect, set out in the Transformation program. The year 2016 was the final stage of Transformation before MNC Bank launches a range of superior products and services.

We have provided constructive advice and directive to the Board of Directors for the operational implementation of the Transformation program. as such, we also carried out our supervisory function, both of governance and of the execution of the Transformation program through MnC Bank regulations and prevailing laws.

The business strategy and direction carried out by the Board of Directors, with a focus on the consumer segment supported by the commercial and corporate segments, is on the right track. This is demonstrated in the positive growth of MnC Bank’s performance.

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penilaian Terhadap Kinerja DireksiProspek pertumbuhan ekonomi negara-negara maju yang belum solid serta pertumbuhan emerging market yang masih stagnan turut berkontribusi terhadap lambatnya pemulihan global.

Beberapa faktor yang menambah ketidakpastian global diantaranya adalah ekspektasi kebijakan pemerintah baru amerika serikat (as), laju pengetatan kebijakan moneter as yang diperkirakan lebih cepat, dampak British exit (Brexit) dan gerakan populisme di eropa, serta volatilitas harga komoditas dunia. Dua lembaga yaitu International Monetary Fund (IMF) dan Bank Dunia memperkirakan ekonomi global tumbuh 3,1%, lebih rendah dibanding realisasi pertumbuhan tahun 2015 sebesar 3,2%.

Meski perekonomian global melambat namun ekonomi domestik masih tumbuh positif sebesar 5,02%, lebih tinggi dibanding realisasi pertumbuhan tahun 2015 sebesar 4,88%. Pertumbuhan ini ditopang oleh konsumsi rumah tangga dan berlanjutnya pembangunan infrastuktur oleh pemerintah.

stabilitas makro ekonomi domestik cukup solid, antara lain terlihat dari neraca Pembayaran yang cukup kuat, tingkat inflasi yang terjaga dan nilai tukar rupiah yang relatif stabil.

Indikator keuangan perbankan tahun 2016 tumbuh pada level moderat. kredit tumbuh sebesar 7,87% atau lebih rendah dibandingkan pertumbuhan tahun 2015 yang sebesar 10,44%. sementara DPk tumbuh sebesar 9,60% atau lebih tinggi dibandingkan tahun 2015 yang sebesar 7,26%.

sementara kualitas kredit atau non-performing loan (nPl) sedikit meningkat dari 2,49% di tahun 2015 menjadi 2,93% di tahun 2016. likuiditas dan permodalan perbankan juga masih berada pada level yang baik. rentabilitas perbankan yang tercermin dari return on asset (roa) sebesar 2,23%, masih relatif tinggi namun lebih rendah dibandingkan periode sebelumnya. Dari sisi permodalan, ketahanan perbankan domestik secara umum berada pada level yang sangat mencukupi untuk mengantisipasi potensi risiko. Capital Adequacy Ratio (Car) mencapai 22,93% atau membaik dibandingkan tahun 2015.

LAPORAN DEwAN KOMISARISReport from the Board of Commissioners

Board of Directors performance Assessment The continued growth downturn in developed economies and stagnant growth in emerging markets contributed to slow global recovery in 2016.

Factors adding to global uncertainty included expectations regarding policy from the new Us government, the expected acceleration of tightening of Us monetary policy, the effects of British exit (Brexit) and populist movements in europe, as well as the volatility of world commodity prices. Two institutions, the International Monetary Fund and the World Bank predicted global economic growth of 3.1%, lower than realized growth of 3.2% in 2015.

Whilst the global economy slowed, the domestic economy still showed positive growth of 5.02%, higher than realized growth of 4.88% in 2015. This growth was supported by household consumption and continued infrastructure development by the government.

The stability of the domestic macro economy was reasonably solid, as could be seen from the fairly strong Balance of Payments, maintained inflation rates and the stable rupiah exchange rate.

In 2016, banking financial indicators grew at a moderate level. loans grew 7.87%, lower than 10.44% in 2015. Third-Party Funds (TPF) grew 9.60%, higher than 7.26% in 2015.

Meanwhile, credit quality or non-performing loans (nPl) increased slightly from 2.49% in 2015 to 2.93% in 2016. liquidity and banking capital also remained at a good level. Banking profitability, reflected in return on assets (roa) stood at 2.23%, still fairly high but lower than in the previous period. In terms of capital, domestic banking resilience was at an adequate level to anticipate risk potential. The Capital adequacy ratio reached 22.93%, improving from the same period of 2015.

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Dalam dinamika industri perbankan tersebut, penyaluran kredit MnC Bank sampai akhir Desember tahun 2016 meningkat sebesar 12,83% year on year (YoY) dari rp7,08 triliun menjadi rp7,99 triliun. sementara DPk naik sebesar 5,87% dari rp9,77 triliun menjadi rp10,34 triliun. Total aset meningkat sebesar 7,58% dari rp12,14 triliun menjadi rp13,06 triliun.

Peningkatan penyaluran kredit diikuti dengan membaiknya nPl dimana NPL Gross tercatat sebesar 2,77%, membaik dari tahun 2015 yang sebesar 2,97%. sedangkan NPL net sebesar 2,38%, masih sesuai dengan ketentuan dari Bank Indonesia yang mensyaratkan NPL net maksimal sebesar 5%. sementara laba bersih naik sebesar 14,32% dari rp8,18 miliar menjadi rp9,35 miliar.

Guna memperkuat struktur permodalan dilakukan proses right issue, dimana MnC Bank berhasil memperoleh dana dari hasil Penawaran Umum Terbatas V sebanyak 1.451.901.709 saham dengan nilai nominal rp 100 per lembar saham atau setara dengan rp 145,2 miliar. Hal tersebut tercermin dari rasio Car yang tercatat sebesar 19,54% meningkat dari tahun 2015 sebesar 17,83%.

Berdasarkan pencapaian kinerja keuangan tersebut, kami menilai Direksi telah menunjukkan kinerja yang baik di tengah pertumbuhan industri perbankan dalam level moderat.

pengawasan Terhadap Rencana Bisnis kami telah melaksanakan fungsi pengawasan, memberikan rekomendasi serta pengarahan kepada Direksi mengenai arahan bisnis dan aspek GCG. selain itu, komite-komite dibawah Dewan komisaris telah memberikan dukungan dalam pelaksanaan GCG.

komite audit dengan Internal audit telah melakukan kegiatan audit secara rutin, melaporkan temuan-temuan dan memantau proses perbaikan sesuai dengan temuan audit sebelumnya. Begitu pula dengan komite Pemantau risiko yang menelaah dan memberikan rekomendasi terkait potensi risiko yang mungkin terjadi dalam rencana bisnis. oleh karena itu, rekomendasi dan masukan-masukan yang diberikan kepada Direksi telah dianalisa dan dikaji sesuai dengan masing-masing fungsi secara cermat. selanjutnya, realisasi dari tugas

LAPORAN DEwAN KOMISARISReport from the Board of Commissioners

amid the banking industry dynamic, MnC Bank’s loan disbursement as of December 2016 increased by 12.62% year-on-year (YoY) from rp7.08 trillion to rp7.99 trillion. Whilst the TPF increased by 5.87% from rp9.77 trillion to rp10.34 trillion. Total assets increased by 7.58% from rp12.14 trillion to rp 13.06 trillion.

Increased loan disbursement was accompanied by improved nPl ratio, with Gross nPl at 2.77%, improving from 2.97% in 2015. Meanwhile net nPl stood at 2.38%, in line with Bank Indonesia’s stipulations of maximum net NPL of 5%. Whilst net profits increased by 14.32% from rp8.18 billion to rp9.35 billion.

To strengthen capital structure, MnC Bank executed rights issue, whereby managed to obtain the proceeds from the rights Issue V at 1,451,901,709 shares with a nominal value of rp 100 per share or equal with rp 145.2 billion. This reflects a 19.54% capital adequacy ratio (Car), increased from the 2015 level of 17.83%.

Based on this financial performance, the Board of Directors has demonstrated good performance amid moderate growth in the banking industry.

Supervision of Business plansWe carry out a supervisory function, providing recommendations and direction to the board of Directors on aspects of the GCG. subsequently, the committees of the Board of Commissioners provide support in the implementation of GCG).

The audit Committee and Internal audit in 2016 had carried out routine activities, reporting findings and monitoring the process of improvements in line with the findings of previous audits. The Risk Monitoring Committee also analyzed and provided recommendations relating to risk potential that might arise in business plans. as such, recommendations and input provided to the Board of Directors were analyzed and reviewed in accordance with their respective functions. realization of these duties was

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ini dikomunikasikan secara rutin dalam rapat Dewan komisaris, maupun rapat gabungan Dewan komisaris dengan Direksi.

Berdasarkan hal tersebut diatas, rencana Bisnis yang secara operasional telah dijalankan oleh Direksi sepanjang tahun 2016 berada dalam pengawasan Dewan komisaris.

pandangan atas prospek Usaha yang Disusun Direksiekspektasi pertumbuhan ekonomi yang lebih baik pada tahun 2017 akan mendorong peningkatan pembiayaan dari sisi permintaan. Prospek usaha Direksi yang tetap berfokus pada segmentasi konsumer dengan didukung segmen korporasi dan komersial sudah berada di jalur tepat. Hal ini karena semakin berkembangnya kelas menengah dengan kemampuan daya beli yang menjadi target pasar utama dari bisnis MnC Bank.

Dalam pandangan kami, pengembangan infrastruktur melalui penataan maupun perluasan jaringan kantor pelayanan dengan dukungan produk baru berbasis teknologi digital terkini dapat meningkatkan citra positif MnC Bank. selain itu, akan meningkatkan daya saing dalam perolehan DPk. sejalan dengan hal ini, penguatan permodalan yang telah dilakukan pada tahun 2016, menambah kuatnya fondasi dalam mengeksekusi rencana-rencana bisnis MnC Bank.

pandangan atas penerapan Tata Kelola perusahaanDalam melaksanakan GCG berpedoman pada anggaran Dasar MnC Bank yang kemudian diturunkan dalam Piagam Direksi, Dewan komisaris, komite-komite, audit Internal dan sekretaris Perusahan sebagai referensi berperilaku.

MnC Bank akan terus meningkatkan praktik terbaik GCG serta menegakkan integritas dalam setiap aspek pelaksanaan tugas operasional. oleh karenanya, Dewan komisaris mendukung penuh upaya sosialisasi dan penerapan seluruh aturan terkait GCG. Pada kenyataannya, penerapan praktik terbaik GCG telah memberikan nilai dan budaya yang bermanfaat, tidak hanya bagi internal perusahaan tetapi untuk seluruh pemangku kepentingan. selain itu, GCG menjadi perangkat yang memungkinkan seluruh organ yang ada untuk dapat berkinerja sesuai dengan arah pengembangan bisnis MnC Bank.

LAPORAN DEwAN KOMISARISReport from the Board of Commissioners

routinely communicated in meetings with the Board of Commissioners or joint meetings of the Boards of Commissioners and Directors.

as set out above, Business Plans were implemented operationally by the Board of Directors in 2016 supervised by the Board of Commissioners.

Business prospects Set out by the Board of Directors Improved growth expectations in 2017 will drive increase of the demand side. The Board of Directors’ business prospects, with a focus on the consumer segments supported by the commercial and corporate segment, are on the right track. This relates to the development of the middle class with a higher purchasing power, as the main target market for MnC Bank’s business.

In our view, infrastructure development through governance and expansion of service office networks with the support of the latest technology will prove able to increase the positive image of MnC Bank and increase competitiveness in terms of accumulation of third-party funds. In line with this, capital strengthening in 2016 will added to MnC Bank’s foundation for implementing business plans.

Implementation of corporate governanceImplementation of good corporate governance (GCG) is guided by MnC Bank’s articles of association, translated in the Charters of the Board of Directors, Committees, Internal audit and Corporate secretary as a reference of code of conduct.

MnC Bank will continue to step up implementation of GCG best practices and enhance integrity in all aspects of operational duties. as such, the Board of Commissioners fully supports efforts to promote and apply all regulations relating to GCG. In practice, application of GCG best practices provides added value, not only internally but also for all stakeholders. Moreover, GCG is a tool enabling all organs to perform in line with MnC Bank’s development and direction.

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perubahan Komposisi Dewan Komisaris

rUPsT Perseroan Tahun Buku 2015, yang diselenggarakan pada 3 Mei 2016, salah satu agendanya adalah menyetujui perubahan komposisi Dewan komisaris.

rapat menyetujui dan menerima pengunduran diri Bapak Bambang ratmanto dari jabatannya selaku Presiden komisaris (Independen) Perseroan, terhitung sejak penutupan rapat. kami ucapkan terima kasih kepada Bapak Bambang ratmanto atas arahan dan kerja samanya selama menjabat. selain itu, menyetujui pengangkatan Bapak eko B. supriyanto yang semula menjabat sebagai komisaris Independen Perseroan menjadi Presiden komisaris (Independen) dan menyetujui pengangkatan Bapak rusli Witjahjono sebagai komisaris Independen Perseroan yang baru, masing-masing akan berlaku efektif terhitung sejak tanggal yang ditetapkan dalam surat persetujuan dari oJk dan/atau terpenuhinya persyaratan yang ditetapkan dalam surat oJk, sampai dengan penutupan rUPsT Perseroan yang akan diselenggarakan pada tahun 2018.

Berikut susunan Dewan komisaris per 31 Desember 2016:

Dewan Komisaris | Board of CommissionersPresiden komisaris (Independen) President Commissioner (Independent) : eko B. supriyantokomisaris | Commissioner : Purnadi Harjono komisaris Independen | Independent Commissioner : rusli Witjahjono

Frekuensi dan cara pemberian Nasihat kepada Direksianggaran Dasar MnC Bank mengatur mekanisme pengawasan dan pemberian nasihat kepada Direksi melalui rapat Dewan komisaris, rapat Gabungan serta melalui penyelenggaraan rUPs. PoJk no.33/PoJk.04/2014 menetapkan bahwa Dewan komisaris diwajibkan untuk mengadakan rapat minimum 1 (satu) kali dalam dua bulan. namun, rapat Dewan komisaris juga dapat diselenggarakan setiap saat apabila diperlukan.

LAPORAN DEwAN KOMISARISReport from the Board of Commissioners

changes to the composition of the Board of commissionersThe Company annual General Meeting of shareholders for Financial Year 2015 held on 3 May 2016 included on its agenda changes to the composition of the Board of Commissioners.

The Meeting approved and accepted the resignation of Bambang ratmanto from his position as President Commissioner and Independent Commissioner of MnC Bank, effective as of the close of the Meeting. We thank Bambang ratmanto for his direction and cooperation throughout his term of service. The Meeting also approved the appointment of Mr. eko Budi supriyanto, formerly Independent Commissioner, as President Commissioner and Independent Commissioner of MnC Bank, and approved the appointment of rusli Witjahjono as new Independent Commissioner of MnC Bank, each effective as of the date stipulated in the approval letter from oJk and/or in accordance with the stipulations of oJk letter, until the close of the aGMs to be held in 2018.

Following are the respective compositions of the Boards of Commissioners and Directors as of 31 December 2016:

Frequency and Advisory to the Board of Directors

MnC Bank’s articles of association regulate the mechanism for the supervision and advisory to the Board of Directors through Meetings of the Board of Commissioners, Joint Meetings and GMs. The oJk regulation no.33/PoJk.04/2014 stipulates that the Board of Commissioners shall hold Meetings at least once every two months. However, the Board of Commissioners may also hold meetings whenever considered necessary.

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Ikhtisar UtamaMain Highlights

Eko B. SupriyantoPresiden Komisaris (Independen)President Commissioner (Independent)

sepanjang tahun 2016, telah dilakukan rUPsT sebanyak 1 (satu) kali, rUPslB sebanyak 2 (dua) kali, rapat Dewan komisaris sebanyak 11 (sebelas) kali, rapat gabungan Dewan komisaris dan Direksi sebanyak 4 (empat) kali, rapat komite audit sebanyak 11 (sebelas) kali, rapat komite remunerasi dan nominasi sebanyak 6 (enam) kali dan rapat komite Pemantau risiko sebanyak 11 (sebelas) kali.

seluruh pemberian nasihat kepada Direksi dilakukan dalam rapat-rapat tersebut diatas yang hasilnya didokumentasikan dalam risalah rapat.

Apresiasiakhir kata, Dewan komisaris menyampaikan apresiasi kepada pemegang saham yang telah memberi kepercayaan dan dukungan dalam pengelolaan MnC Bank. kami ucapkan terima kasih kepada Direksi, jajaran manajemen dan seluruh karyawan yang telah mendedikasikan kemampuan terbaiknya untuk mendukung kemajuan MnC Bank. Tak lupa, terima kasih atas dukungan yang diberikan oleh seluruh pemangku kepentingan sehingga bisnis MnC Bank dapat terus bertumbuh.

LAPORAN DEwAN KOMISARISReport from the Board of Commissioners

Jakarta, April 2017Atas nama Dewan Komisaris | On Behalf of the Board of Commissioners

In 2016, one aGMs and two eGMs were convened, 11 Meetings of the Board of Commissioners were held, four Joint Meetings of the Board of Commissioners were held and 11 meetings of the audit Committee were organized, Meetings of the remuneration and nomination Committee were convened six times and 11 meetings of the risk Monitoring Committee were held.

all advice conveyed to the Board of Directors was documented in minutes of meetings.

AppreciationIn conclusion, the Board of Commissioners would like to express our appreciation to shareholders for their trust and support for MnC Bank’s management. We thank the Board of Directors, management and all employees for their dedication in support of MnC Bank’s progress. We would also like to acknowledge the support of all stakeholders, allowing MnC Bank’s business to continue to grow.

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KoMISARISCommissioners

1. Eko B. SupriyantoPresiden Komisaris (Independen)President Commissioner (Independent)

3. Rusli witjahjonoKomisaris IndependenIndependent Commissioner

2. Purnadi HarjonoKomisarisCommissioner

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kami yang bertanda tangan di bawah ini menyatakan bahwa semua informasi dalam laporan Tahunan PT Bank MnC Internasional Tbk tahun 2016 telah dimuat secara lengkapdan bertanggung jawab penuh atas kebenaran isi laporan Tahunan Perusahaan.

Demikian pernyataan ini dibuat dengan sebenarnya.

Jakarta, april 2017

Benny Helman

widiatama Bunarto

Direktur SDM dan General Services

Direktur Kepatuhan

Human Resources & General Services Director

Compliance Director

Nerfita Primasari

Chisca Mirawati

DIREKSIBoarD oF DIreCTors

Presiden DirekturPresident Director

Benny Purnomo

sUraT PernYaTaananGGoTa DIreksI Dan anGGoTa DeWan koMIsarIsTenTanGTanGGUnG JaWaB aTas laPoran TaHUnan 2016PT Bank MnC InTernasIonal TBk

Direktur Keuangan

Direktur Operasi dan Teknologi

Finance Director

Operation and Technology Director

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STATEMENTS OF RESPONSIBILITYON 2016 ANNuAL REPORT OF PT BANK MNC INTERNASIONAL TBKBY THE MEMBERS OF THE BOARD OF COMMISSIONERSAND BOARD OF DIRECTORS

We, the undersigned, hereby declare that all information in the 2016 annual report ofPT Bank MnC Internasional Tbk has been presented in their entirety, and that we assumefull responsibility for the trustworthiness of the contents of this annual report.

Please be acknowledged accordingly.

Jakarta, april 2017

KomisarisCommissioner

Purnadi HarjonoRusli witjahjonoKomisaris Independen

Independent Commissioner

komisaris Utama & komisaris IndependenPresident Commissioner & Independent Commissioner

DEwAN KoMISARISBoarD oF CoMMIssIoners

Eko B. Supriyanto

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MNC Bank menawarkan layanan keuangan yang mengikuti gaya hidup dengan membuat hidup nasabah menjadi lebih mudahMNC Bank offers seamless Banking, and Financial services following customers’ lifestyle and designed to make life easier

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pRoFIL pERUSAHAANCOMPANY PROFILE

48 identitas perusahaanCompany Identity

50 sekilas MnC BanKMNC BANK in Brief

54 Visi & MisiVision & Mission

55 nilai-nilai utamaCore Values

56 Kegiatan usahaBusiness Activity

60 struktur OrganisasiOrganization Structure

62 area OperasionalOperations Area

64 Profil Dewan KomisarisProfile of the Board of Commissioners

68 Profil DireksiProfile of the Board of Directors

73 jumlah KaryawanTotal Employees

74 Komposisi pemegang sahamShareholders Composition

75 entitas anak dan asosiasiSubsidiaries and Associates

76 Kronologis pencatatan sahamShare Listing Chronology

78 Kronologis pencatatan efek Other Shares ListingChronology

79 lembaga penunjang pasar ModalCapital Market Supporting Institutions

79 Penghargaan dan SertifikasiAwards and Certifications

80 perjalanan KamiOur Journey

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Profil PerusahaanCompany Profile

nama PerusahaanCompany’s Name

pT Bank MNc Internasional Tbk

Tanggal PendirianDate of Establishment

31 JuLI 198931 JuLY 1989

Bidang UsahaLine of Business

Bank Umum dan Bank DevisaCommercial Bank, Foreign Exchange Bank

Modal DasarAuthorized Capital

Rp6.000.000.000.000

Modal Ditempatkan dan Disetor PenuhIssued And Fuly Paid Capital

Rp2.058.146.524.700

Nama Perusahaan SebelumnyaPrevious Name

1990 : pT Bank Bumiputera Indonesia2009 : pT Bank IcB Bumiputera Tbk

kantor PusatHead Office

Gedung MNC Financial Center, Lantai 6,7,8.Jl. Kebon Sirih Raya No 27,Jakarta Pusat 10340Fax: +6221 3983 6700Telex. 65068 JKTBPIA

MNC Kapital Indonesia

RBC – SINGAPORE S/A - Client A/C

Masyarakat (di bawah 5% - under 5%)

9,28%38,32%

39,50%12,90%

MARCO PRINCE CORP

kepemilikanOwnership

IDENTITASpERUSAHAANCompany Identity

Dasar Hukum PendirianLegal Basis of Establishment

akta Pendirian no.49 tanggal 31 Juli 1989, dibuat di hadapan sri rahayu, sH., pada waktu itu notaris di Jakarta dan telah mendapat pengesahan dari Menkumham dengan surat keputusan no.C2-7223-HT.01.01–Th ‘89 tanggal 9 agustus 1989, didaftarkan di kepaniteraan Pengadilan negeri Jakarta selatan no.692/not./1989/Pn.JkT.sel. tanggal 24 agustus 1989 serta telah diumumkan dalam BnrI no.75 tanggal 19 september 1989, Tambahan no.1917/1989.

Deed of establishment no.49 dated 31 July 1989, drawn before sri rahayu, s.H., then notary in Jakarta, and approved by the Minister of law and Human rights with the Decree no.C2-7223-HT.01.01–Th’89 dated 9 August 1989, and registered on the Registry Office of the District Court of south Jakarta no.692/not./1989/Pn.JkT.sel dated 24 august 1989 and announced on the state Gazette of the republic of Indonesia no.75 dated 19 september 1989, attachment no.1917/1989.

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Situs webwebsite

www.mncbank.co.idCall Center

1500188

Pencatatan di Bursa SahamListing on the Stock Exchange

Dicatatkan di Bursa Efek Indonesia pada tanggal 15 Juli 2002Listed on the Indonesia Stock Exchange on 15 July 2002

kode sahamTicker Code BABp kode swift

Swift Code BUMIIDJA

IDENTITAS PERuSAHAANCompany Identity

Contact Center

corporate [email protected]

Media Sosial Facebook : http://www.facebook.

com/mncbankTwitter : @MNCBankInstagram : officialmncbankYoutube : officialmncbank

Sekretaris PerusahaanCorporate Secretary

Andri LatifTelp. (021) 2980 5555Fax . (021) 318 6662Email : corporate.communication@

mncbank.co.id

Jumlah PegawaiTotal Employees 1.060

orang | personnel

Jaringan KantorOffice Network

1 Kantor PusatHead Office 16 Kantor Cabang

Branch Offices

34 Kantor Cabang PembantuSub-Branch Offices 22 Kantor Kas

Cash Offices

93 ATMATMs

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SEKILASMNc BANKMNC BANK in Brief

PT Bank MnC Internasional Tbk (selanjutnya disebut MnC Bank atau Perseroan) didirikan dengan nama PT Bank Bumiputera Indonesia, berkedudukan di Jakarta berdasarkan akta Pendirian no.49 tanggal 31 Juli 1989, dibuat di hadapan sri rahayu, sH., pada waktu itu notaris di Jakarta dan telah mendapat pengesahan dari Menteri kehakiman dengan surat keputusan no.C2-7223-HT.01.01–Th’89 tanggal 9 agustus 1989, didaftarkan di kepaniteraan Pengadilan negeri Jakarta selatan no.692/not./1989/Pn.JkT.sel. tanggal 24 agustus 1989 serta telah diumumkan dalam BnrI no.75 tanggal 19 september 1989. Tambahan no.1917/1989 yang anggaran dasarnya telah diubah secara keseluruhan untuk disesuaikan dengan Undang-Undang republik Indonesia no.40 Tahun 2007 tentang Perseroan Terbatas dan berikut dengan segenap pengubahan daripadanya sebagaimana telah diumumkan dalam Berita negara republik Indonesia no.72 Tambahan no.16919/2008 tanggal 5 september 2008 dan Berita negara republik Indonesia no.56 Tambahan no.18380/2009 tanggal 14 Juli 2009.

PT Bank MnC Internasional Tbk (hereinafter called MnC Bank or Company) was established under the name of PT Bank Bumiputera Indonesia, domiciled in Jakarta based on the Deed of establishment no.49 dated 31 July 1989, drawn before sri rahayu, sH., then notary in Jakarta, and approved by the Minister of law and Human rights with the Decree no.C2-7223-HT.01.01 – Th’89 dated 9 august 1989, and registered on the Registry Office of the District Court of South Jakarta no.692/not./1989/Pn.JkT.sel dated 24 august 1989 and announced on the state Gazette of the republic of Indonesia no.75 dated 19 september 1989, attachment no.1917/1989. The articles of association has been amended thoroughly to be made compliant with the law of the republic of Indonesia no.40/2007 on limited liability Companies and its subsequent amendments, and thus this has been announced in the state Gazette of the republic of Indonesia no.72 attachment no.16919/2008 dated 5 september 2008 and the state Gazette of the republic of Indonesia no.56 attachment no.18380/2009 dated 14 July 2009.

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SEKILAS MNC BANKMNC Bank In Brief

anggaran Dasar MnC Bank telah mengalami beberapa kali perubahan, antara lain sebagai berikut:

1. akta Pernyataan keputusan rapat Perubahan anggaran Dasar no.50 tanggal 21 april 2014, yang dibuat di hadapan aryanti artisari, sH,M.kn., notaris di Jakarta selatan, yang telah diberitahukan kepada Menkumham berdasarkan surat Penerimaan Pemberitahuan Perubahan anggaran Dasar no.aHU-01476.40.21.2014 tanggal 28 april 2014 dan didaftarkan dalam Daftar Perseroan pada kemenkumham di bawah nomor :aHU-01476.40.21.2014 tanggal 28 april 2014.

Berdasarkan akta no.50/2014, para pemegang saham Perseroan telah menyetujui (i) perubahan Pasal 13 ayat (2) anggaran Dasar tentang Direksi dan (ii) perubahan Pasal 16 ayat (3) anggaran Dasar tentang Dewan komisaris.

2. akta Pernyataan keputusan rapat Perubahan anggaran Dasar no.57 tanggal 16 Juli 2014, yang dibuat di hadapan aryanti artisari, sH,M.kn., notaris di Jakarta selatan, yang telah mendapat persetujuan Menkumham berdasarkan surat keputusan no.aHU-06038.40.20.2014 tanggal 24 Juli 2014 dan didaftarkan dalam Daftar Perseroan pada kemenkumham di bawah no.aHU-0076890.40.80.2014 tanggal 24 Juli 2014.

Berdasarkan akta no.57/2014, para pemegang saham Perseroan telah menyetujui untuk menegaskan kembali perubahan nama Perseroan menjadi PT Bank MnC Internasional Tbk sehingga mengubah Pasal 1 ayat (1) anggaran Dasar.

MnC Bank’s articles of association have been amended a number of times, among others:

1. Deed of the Meeting resolution to amend the articles of association no.50 dated 21 april 2014, drawn before aryanti artisari, sH, M.kn., notary in south Jakarta, informed to the Minister of law and Human rights in accordance with the Receipt of Notification of Amendment of articles of association no.aHU-01476.40.21.2014 dated 28 april 2014 and registered on the list of Companies at the Ministry of law and Human rights no.aHU-01476.40.21.2014 dated 28 april 2014.

Based on the Deed no.50/2014, the shareholders of MnC Bank approved to (i) amend Chapter 13 paragraph 2 of the articles of association concerning the Board of Directors and (ii) amend Chapter 16 paragraph 3 of the articles of association concerning the Board of Commissioners.

2. Deed of Meeting resolution to amend the articles of association no.57 dated 16 July 2014, drawn before aryanti artisari, sH, M.kn., notary in south Jakarta, informed to the Minister of law and Human rights in accordance with the receipt of Notification of Amendment of Articles of association no.aHU-06038.40.20.2014 dated 28 July 2014 and registered on the list of Companies at the Ministry of law and Human rights no.aHU-0076890.40.80.2014 dated 24 July 2014.

Based on the Deed no.57/2014, the shareholders of MNC Bank approved to reaffirm the change of MnC Bank’s name to PT Bank MnC Internasional Tbk, thus amending Chapter 1 paragraph 1 of the articles of association.

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3. akta Pernyataan keputusan rapat Perubahan anggaran Dasar PT Bank ICB Bumiputera Tbk. no.85 tanggal 16 oktober 2014, yang dibuat di hadapan aryanti artisari, sH,M.kn., notaris di Jakarta selatan, yang telah diberitahukan kepada Menkumham berdasarkan surat Penerimaan Pemberitahuan Perubahan anggaran Dasar no.aHU-07909.40.21.2014 tanggal 29 oktober 2014 dan didaftarkan dalam Daftar Perseroan pada kemenkumham dibawah nomor.aHU-0112292.40.80.2014 tanggal 29 oktober 2014.

Berdasarkan akta no.85/2014, para pemegang saham Perseroan telah menyetujui untuk meningkatkan modal disetor dan modal ditempatkan Perseroan dari semula sebesar rp548.607.854.100 menjadi sebesar rp804.624.852.700 melalui penerbitan HMeTD dengan harga pelaksanaan rp100 setiap saham. Bersamaan dengan Penawaran Umum Terbatas III, para pemegang saham Perseroan menyetujui penerbitan sebanyak-banyaknya 1.828.692.847 Waran seri II yang dapat dikonversi menjadi 1.828.692.847 saham baru dengan nilai nominal rp100 setiap saham dengan harga pelaksanaan rp150 setiap saham.

4. akta Pernyataan keputusan rapat Perubahan anggaran Dasar no.14 tanggal 10 Desember 2014, yang dibuat di hadapan aryanti artisari, s.H., M.kn., notaris di Jakarta selatan, yang telah mendapat persetujuan Menkumham berdasarkan surat keputusan no.aHU-12711.40.20.2014 tanggal 11 Desember 2014, diberitahukan kepada Menteri Hukum dan Hak asasi Manusia dalam surat penerimaan pemberitahuan perubahan data Perseroan no.aHU-46401.40.22.2014 tanggal 10 Desember 2014 dan didaftarkan dalam Daftar Perseroan pada kemenkumham di bawah no.aHU-0129656.40.80.2014 tanggal 11 Desember 2014.

3. Deed of Meeting resolution to amend the articles of association no.85 dated 16 october 2014, drawn before aryanti artisari, sH, M.kn, notary in Jakarta, informed to the Minister of law and Human rights in accordance with the Receipt of Notification of Amendment of Articles of association no.aHU-07909.40.21.2014 dated 29 october 2014 and registered on the list of Companies at the Ministry of law and Human rights no.aHU-0112292.40.80.2014 dated 29 october 2014.

Based on the Deed no.85/2014, the shareholders of MnC Bank approved to increase the issued and paid in capital of MnC Bank from previously rp548,607,854,100 to rp804,624,852,700 through the issuance of rights with execution price of rp100 per share. In line with the rights Issue III, the shareholders of MnC Bank approved the issuance of at most 1,828,692,847 Warrants serie II that can be converted to 1,828,692,847 new shares with nominal value of rp100 per share and execution price of rp150 per share.

4. Deed of Meeting resolution to amend the articles of association no.14 dated 10 December 2014, drawn before aryanti artisari, sH, Mkn, notary in south Jakarta, informed to the Minister of law and Human rights in accordance with the receipt of Notification of Amendment of company data no.aHU-46401.40.22.2014 dated 10 December 2014 and registered on the list of Companies at the Ministry of law and Human rights no.aHU-0129656.40.80.2014 dated 11 December 2014.

SEKILAS MNC BANKMNC Bank In Brief

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Berdasarkan akta no.14/2014, para pemegang saham Perseroan telah menyetujui peningkatan modal dasar dari rp2.000.000.000.000 menjadi rp6.000.000.000.000 yang terbagi atas 60.000.000.000 saham, masing-masing dengan nilai nominal sebesar rp100.

5. akta Pernyataan keputusan rapat Perubahan anggaran Dasar no.76 tanggal 26 Mei 2015 yang dibuat dihadapan aryanti artisari, sH,M.kn., notaris di Jakarta selatan, yang telah mendapat penerimaan pelaporan Menkumham berdasarkan surat no.aHU-aH.01.03-0934870 tanggal 27 Mei 2015 dan didaftarkan dalam Daftar Perseroan pada kemenkumham di bawah no.aHU-3509467. aH.01.11.TaHUn 2015 tanggal 27 Mei 2015.

Berdasarkan akta no.76/2015, rUPs telah menyetujui perubahan anggaran dasar dalam rangka pemenuhan ketentuan PoJk no.32/PoJk.04/2014 tentang rencana dan Penyelenggaraan rapat Umum Pemegang saham dan PoJk no.32/PoJk.04/2014 tentang Direksi dan Dewan komisaris.

Based on the Deed no.14/2014, the shareholders of MnC Bank approved to increase the authorized capital from rp2,000,000,000,000 to rp6,000,000,000 consisting of 60,000,000,000 shares each with a nominal price o rp100.

5. Deed of Meeting resolution to amend the articles of association no.76 dated 26 May 2015, drawn before aryanti artisari, sH, M.kn., notary in south Jakarta, informed to the Minister of law and Human rights in accordance with the Receipt of Notification of Amendment of Articles of association no.aHU-aH.01.03-0934870 dated 27 May 2015 and registered on the list of Companies at the Ministry of law and Human rights no.aHU-3509467. aH.01.11.TaHUn 2015 dated 27 May 2015.

Based on the Deed no.76/2015, the General Meeting of shareholders of MnC Bank approved the amendment of MnC Bank’s articles of association in order to comply with the oJk regulation no.32/PoJk.04/2014 on the Planning and Implementation of the General Meeting of shareholders and no.32/PoJk.04/2014 on the Board of Directors and Board of Commissioners.

SEKILAS MNC BANKMNC Bank In Brief

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Visi VisionVisi kami adalah menjadi Bank Masa Depan yang memberikan layanan bintang lima, yang mengikuti gaya hidup nasabah berlandaskan teknologi terkini dan membuat semua transaksi keuangan menjadi mudah

Misi MissionMnC Bank menawarkan layanan keuangan yang mengikuti gaya hidup dengan membuat hidup nasabah menjadi lebih mudah, untuk nasabah retail dengan segmen menengah ke atas, termasuk di dalamnya para usaha kecil dan menengah, dengan memberikan pengalaman layanan perbankan yang memuaskan melalui cabang dan electronic channels

MNC Bank offers modern and convenient financial services that make life easy for all customers of any income level and of any size or type of business by delivering service excellence through both conventional and electronic channels

We envision to becoming a pioneering Bank of the future that provides superior services and stays current by using the latest technologies that ease financial transactions.

VISI, MISI &BUDAYA pERUSAHAANVision, Mission, & Corporate Culture

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MnC Bank mempunyai satu core value yang terinternalisasi dalam setiap aktivitas karyawan yang dijelaskan dalam table di bawah ini:MNC Bank has one core value that is internalized in every activity of the employees. The core value is further explained below:

Budaya perusahaanCorporate Culture

priDe

passion to perform: semangat untuk Memberikan Hasil Kerja yang Terbaik

relationship Building: Membangun Hubungan yang Harmonis dengan seluruh stakeholder

innovation with integrity : Melakukan inovasi dan Terobosan-Terobosan Baru yang Terukur Dengan penuh integritas

Delivery with Delight : Menghasilkan Kinerja yang Memuaskan para stakeholder

empowerment for progress : Memberdayakan sumber Daya secara Maksimal dan Bertanggung jawab

COre ValuepassiOn TO

perFOrM

relaTiOnsHip BuilDing

innOVaTiOn wiTH inTegriTy

DeliVery wiTH DeligHT

eMpOwerMenT FOr prOgress

Tingkah laku karyawan dalam melakukan pekerjaannya dengan antusias, kreatifitas, fokus, mengerti dan melakukan pekerjaan dengan sangat baik | Employees’ behavior in conducting their work with enthusiasm, creativity, focus, understanding, and excellence

Bagaimana karyawan membina hubungan dengan individu lainnya baik dalam tim maupun tidak | How employees foster relationship with other individuals, for those in the team as well as those who are not in the team

Keinginan karyawan untuk berinovasi, memberikan ide dan masukan | The employees’ desire to innovate, deliver ideas and inputs

Komitmen dan profesionalisme karyawan dalam menjalankan tanggung jawab untuk menghasilkan servis yang delight | Employees’ commitment and professionalism in bearing their responsibility to provide services that delight

Bagaimana karyawan dapat memberikan perpanjangan tangan atas tanggung jawab yang diberikan dengan transparan, adil dan mudah dimengerti | How employees can become an extension of responsibility handed over with transparency, fairness and relatively easy understanding

VISI, MISI & BuDAYA PERuSAHAANVision, Mission, & Corporate Culture

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KEGIATANUSAHA

PRODuK DANJASA

Core Business

Product and Services

sesuai dengan anggaran Dasar sebagaimana telah dimuat dalam Berita negara republik Indonesia no.56 Tambahan no.18380/2009 tanggal 14 Juli 2009 pasal 3, ruang lingkup kegiatan Bank adalah menjalankan usaha di bidang perbankan sesuai dengan undang-undang dan peraturan perundang-undangan yang berlaku. Melakukan segala penunjang usaha lainnya yang lazim dilakukan oleh bank sepanjang tidak bertentangan dengan perundang-undangan yang berlaku.

Produk dan Jasa MnC Bank terbagi menjadi 3 (tiga) bagian, yaitu :

In accordance with the articles of association as published in the Official Gazette of the Republic of Indonesia no.56 supplement no.18380/2009 dated July 14, 2009 article 3, the scope of Bank’s activities is to engage in the banking field in accordance with existing laws and regulations.

MnC Bank products and services consisted of 3 (three) parts, which are:

produk Tabungan• Tabungan MnC• Tabungan MnC Bisnis• Tabungan rencana MnC• Tabunganku

produk giro• Giro MnC rupiah• Giro MnC Valas

produk Deposito• Deposito MnC rupiah• Deposit MnC Valas

pRoDUK SIMpANAN DePosITs ProDUCTs

Savings • Tabungan MnC• Tabungan MnC Bisnis• Tabungan rencana MnC• Tabunganku

current Accounts• Giro MnC rupiah• Giro MnC Valas

Deposits• Deposito MnC rupiah• Deposit MnC Valas

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PRODuK DAN JASAProduct and Services

• kredit Modal kerja• kredit Investasi• kredit Multiguna Tanpa agunan (kMG Ta)• kredit Pemilikan Properti (kPP)• kPr Muda MnC Bank• kredit konsumsi Beragun Properti (kkBP)

Kartu Kredit• Visa

- MnC Visa Gold Card- MnC Visa Platinum Card

• Master Card- Motion Credit Card

• Working Capital loans• Investment loans• Multiguna Unsecured laons (kMG Ta)• Property ownership loans (kPP)• kPr Muda MnC Bank• secured Property Consumption loans (kkBP)

credit card• Visa

- MnC Visa Gold Card- MnC Visa Platinum Card

• Master Card- Motion Credit Card

pRoDUK pINJAMAN loans ProDUCTs

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PRODuK DAN JASAProduct and Services

Jasa Treasury• Foreign exchange Transaction (Today, Tom, spot,

Forward, swap)• obligasi retail

produk dan Jasa Trade Finance• Transaksi Ekspor

- advising l/C- l/C negotiation- non lC Financing- Transferable letter of Credit- Discounted Under Usance lC- Pre shipment Financing- outward Documentary Collection

• Transaksi Impor dan Lokal- l/C- surat kredit Berdokumen Dalam negeri

(skBDn)- Usance Payable at sight (UPas)- Post Import Financing (PIF)- shipping Guarantee- Inward Documentary for Collection / Bill

Collection

• Bank garansi dan Stanby L/c

Layanan Lain• MnC Mobile Banking• MnC eBIZ Banking• Bancassurance• Western Union• MPn G2

Treasury• Foreign exchange Transaction (Today, Tom, spot,

Forward, swap)• retail Bonds

Trade Finance• Export Transaction

- advising l/C- l/C negotiation- non lC Financing- Transferable letter of Credit- Discounted Under Usance lC- Pre shipment Financing- outward Documentary Collection

• Import and Local Transactions- l/C- letter of Credit for Home affairs (skBDn)

- Usance Payable at sight (UPas)- Post Import Financing (PIF)- shipping Guarantee- Inward Documentary for Collection / Bill

Collection

• Bank guarantee and Stanby L/c

other Services• MnC Mobile Banking• MnC eBIZ Banking• Bancassurance• Western Union• MPn G2

JASA LAINNYA oTHer serVICes

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PRODuK DAN JASAProduct and Services

ATMMerupakan fasilitas yang diberikan pada nasabah MnC Bank untuk kemudahan bertransaksi dengan kartu aTM. MnC Bank bekerjasama dengan jaringan aTM Bersama yang menyediakan akses pada lebih dari 49.000 aTM dan jaringan aTM Prima yang memiliki lebih dari 96.000 aTM berlogo PrIMa yang tersebar di seluruh Indonesia.

a facility provided to MnC Bank’s customers for their convenience in performing transactions with an aTM card. MnC Bank cooperates with the aTM Bersama network, which provides access to more than 49,000 aTMs and aTM Prima network that has more than 96,000 aTMs with PrIMa branding spread across Indonesia.

cALL cENTER 1500188MnC Bank menyediakan layanan perbankan 24 jam sehari dan 7 hari seminggu yang dapat diakses dengan menghubungi nomor telepon 1500188 yang akan menghubungkan nasabah dengan Call Center.

MnC Bank provides a 24-hour banking services and 7 days a week, which can be accessed by calling a designated number, 1500188 that will connect the customers to the Call Center.

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STRuKTuRoRgANISASI pERUSAHAANOrganization Structure

pRESIDENT DIREcToR

Benny purnomo

Finance DirectorBenny Helman

compliance group

I komang surya Wisesa

Legal groupYadi nopriyadi

Financial control groupsetiyani

Diponegoro

Treasury & FI group

Yuriadi sulastomo

Business Strategy &

planning groupVacant

channel & centralite Banking ops. group

Irving Ignatius Paul luntungan

credit Administrative group

susi enita

Information Technology group

Teddy Yusup

Human Resources

grouplaily Fitri

general Services group

Donald Bee

Risk Management

groupleonardi Widjaja

corporate Secretaryandri latif

Internal Audit group

edi alpian

compliance Director

Chisca Mirawati

operation & Technology

DirectorWidiatama

Bunarto

Human Resources &

general Services Director

Nerfita Primasari

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STRuKTuR ORGANISASI PERuSAHAAN Organization Structure

platform Managers

Special Asset Management

groupBudi s.

kramadibrata

Asset Recovery groupVacant

wholesale Banking I group

Yudhiprama elpantja

wholesale Banking II group

Vincentia n. Djuni Wijaya

credit Review group

etty erawati

SME Banking groupVacant

consumer credit group

agus C. Hadiwinoto

card Business groupVacant

Implant Banking group

surya liemena

Mortgage Business group

Vacant

Multi Finance group

Dian Irawan

Funding Business Headrita Montagna

consumer Lending

Business HeadBudy setiawan

wholesale & SME Banking

Business Headnelly Henry

commercial, product & channel

Business HeadVacant

Special Asset Management &

Recovery Business Head

Zainudin samaludin

Liabilities & Investment Sales

groupVacant

Branch Management & Service Quality

groupIwan

Marketing communication

groupVincentius riza

Westika Dewanto

Branches

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AREAopERASIoNALOperational Area

adapun wilayah operasional MnC Bank meliputi: Medan, Batam-kepri, Pekanbaru, Jambi, Jakarta, Bogor, Bandung, semarang, surakarta, Yogyakarta, surabaya, Denpasar, Tarakan, Balikpapan, samarinda, Makassar.

The operational areas of MnC Bank are as follows: Medan, Batam-kepri, Pekanbaru, Jambi, Jakarta, Bogor, Bandung, semarang, surakarta, Yogyakarta, surabaya, Denpasar, Tarakan, Balikpapan, samarinda, Makassar.

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AREA OPERASIONALOperational Area

JARINgAN KANToR | NETwoRK oFFIcES

Jaringan 2016 2015 2014 Networkkantor Pusat 1 1 1 Head Office

kantor Cabang 16 16 16 Branch Offices

kantor Cabang Pembantu 34 33 34 Sub Branch Offices

kantor kas 22 26 40 Cash Offices

Payment Point 0 2 2 Payment Points

Jumlah kantor 73 78 93 Total Offices

aTM 93 83 76 aTMs

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PROFILDEwAN KoMISARISBoard of Commissioners’ Profile

Eko B. Supriyantopresiden Komisaris (Independen) | President Commissioner (Independent)52 tahun, Warga negara Indonesia | 52 years old, Indonesian Citizen

Riwayat pendidikaneducational Background

Beliau menyelesaikan Program Pascasarjana di bidang studi Magister ekonomi jurusan Perbankan dan Pasar Modal dari Universitas Trisakti, Jakarta tahun 2014.

He graduated with the Master of economic degree majoring in Banking and Capital Markets from Trisakti University, Jakarta in 2014.

RIwAYAT JABATAN ProFessIonal BaCkGroUnD Dasar Hukum & Masa Jabatanappointment Basis & Tenure

Beliau diangkat sebagai Presiden komisaris PT Bank MnC Internasional Tbk berdasarkan rUPs Tahunan tanggal 3 Mei 2016 dan efektif menjabat berdasarkan surat otoritas Jasa keuangan (oJk) no.sr-151/D.03/2016 tanggal 8 agustus 2016

He was appointed as President Commissioner of PT Bank MnC Internasional Tbk by the resolution of the aGMs on 3 May 2016, and received the effective statement from the Financial services authority (oJk) no.sr-151/D.03/2016 dated 8 august 2016.

Rangkap Jabatan Multiple Board Membership

- Direktur Utama PT Info artha Pratama (Info Bank)

Juga menjabat sebagai anggota komite:· ketua merangkap anggota komite

remunerasi dan nominasi· ketua merangkap anggota komite

Pemantau risiko· anggota komite audit

- President Director of PT Info artha Pratama (Info Bank)

also serves as Members of Committee:· Chairman concurrently as Member of

nomination and remuneration Committee· Chairman concurrently as Member of risk

oversight Committee· Member of risk audit Committee

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PROFIL DEwAN KOMISARIS Board of Commissioners’ Profile

pengalaman Kerja Professional experience

Pada Periode 2009 – november 2014 sebagai komisaris Independen yang juga menjadi ketua komite remunerasi PT Bank Mutiara Tbk dan nominasi serta menjadi ketua komite audit (2009-2011) dan anggota komite audit dan Pemantau risiko (2011-2014).

sebelumnya, karir alumnus Universitas Pembangunan Nasional (UPN) “Veteran” Jakarta tahun 1997 ini, (2006-2013) menjabat sebagai Direktur Utama PT Infoartha Pratama Penerbit dari Majalah Infobank sekaligus merangkap sebagai penanggung jawab dan Wakil Pimpinan redaksi Majalah Infobank. karir di Infobank dimulai sejak tahun 1987 dengan berbagai jenjang karir, antara lain Direktur Biro riset Info Bank sejak september 2013 sampai 2015 beliau menjabat sebagai komisaris Majalah Infobank. sejak april 2015 sampai sekarang menjadi Direktur Utama dan merangkap Pimpinan redaksi Info Bank.

selain itu, beliau aktif di berbagai organisasi, seperti di Perbanas sebagai anggota Bidang Publikasi dan Hubungan Masyarakat (2011-sekarang), di Ikatan Bankir Indonesia anggota Bidang Publikasi dan Hubungan (2012-sekarang). Ia juga sejak tahun 2005 sebagai pengurus Ikatan sarjana ekonomi Indonesia (IseI) Jakarta dan Pengurus Pusat IseI.

Beliau juga menjabat sebagai Bendahara Umum di Forum Pimpinan redaksi Indonesia (2012-2015).

In the period of 2009 – november 2014 he served as Independent Commissioner and Chairman of the remuneration and nomination Committee of PT Bank Mutiara Tbk and the Chairman of the audit Committee (2009-2011) and Member of the audit and risk Monitoring Committees (2011-2014).

Previously, the career of the national Development University (UPn) Veteran Jakarta alumnus (class of 1997), included as President Director of PT Infoartha Pratama, the publisher of Infobank Magazine (2006-2013) and concurrently as the responsible party and Deputy Chief editor of Infobank Magazine. His career in Infobank started in 1987 with a variety of positions, including Director of research Bureau of Infobank. since september 2013 until now, he has been serving as Commissioner of Infobank Magazine.

In addition, he is active in various organizations, such as in Perbanas as Member of the Publications and Public relations (2011-present), at the Indonesian Bankers association as Member of the Publications and Public relations (2012-present). He has also since 2005 been member of the board of the Indonesian association of Bachelors of economics (IseI) Jakarta.

He also serves as Treasurer at the editors Forum of Indonesia (2012-present).

pendidikan/pelatihan Tahun 2016Workshop/Trainings in 2016

selama tahun 2016, beliau telah mengikuti beberapa pelatihan peningkatan kompetensi, dengan ringkasan dapat dilihat di Bab GCG Halaman 276.

During 2016, he has participated in competence enhancement trainings. Please see details in the GCG Chapter, Page 276.

Hubungan AfiliasiAffiliate Relations

Beliau tidak memiliki hubungan afiliasi dengan anggota Dewan komisaris lainnya, maupun dengan anggota Direksi, atau dengan pemegang saham utama.

He does not have any affiliations with fellow members of the Board of Commissioners, or members of the Board of Directors, nor with the ultimate shareholder.

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PROFIL DEwAN KOMISARIS Board of Commissioners’ Profile

purnadi HarjonoKomisaris | Commissioner54 tahun, Warga negara Indonesia | 54 years old, Indonesian Citizen

Riwayat pendidikaneducational Background

Beliau menyelesaikan Bachelor of Business administration dari Fakultas Bisnis University of Wisconsin, Madison, amerika serikat pada tahun 1985.

He graduated with a Bachelor’s degree in Business administration from the Business school of University of Wisconsin, Madison, Usa in 1985.

RIwAYAT JABATAN ProFessIonal BaCkGroUnD Dasar Hukum & Masa Jabatanappointment Basis & Tenure

Beliau diangkat sebagai komisaris PT Bank MnC Internasional Tbk berdasarkan rUPs Tahunan tanggal 16 Juni 2014 dan efektif menjabat berdasarkan surat oJk no.sr-92/D.03/2014 tanggal 9 Juni 2014.

He was appointed as Commissioner of PT Bank MnC International Tbk pursuant to the annual GMs on 16 June 2014, and effectively serves based on the letter of Financial services authority (oJk) no.sr-92/D.03/2014 dated 9 June 2014.

Rangkap Jabatan Multiple Board Membership

· Direktur PT MnC kapital Tbk

Juga menjabat sebagai anggota komite:· anggota komite remunerasi & nominasi· anggota komite Pemantau resiko

· Director of PT MnC kapital Tbk

also serves as Member of Committee:· Member of nomination and remuneration

Committee· Member of risk oversight Committee

pengalaman Kerja Professional experience

Beliau pernah menjabat sebagai Bank Officer Program Trainee, assistant Manager Credit Marketing dan Manager Corporate Banking PT Bank International Indonesia, Branch Manager dan Deputy General Manager – Credit Division PT Bank Danamon Indonesia, senior Vice President – Credit and Marketing Division Head PT Bank Central Dagang, Head of Corporate Banking PT Bank Unibank Tbk, kepala Biro kredit dan legal dan kepala Biro Marketing and Business Development PT Bank Unibank Tbk. selanjutnya beliau pernah menjabat sebagai Wakil Direktur Utama PT MnC Finance, Direktur PT Bhakti Capital Indonesia Tbk, Direktur Utama PT Inti Ragam Olefindo, Direktur Utama PT Iroland Mulia Bersama, Direktur Utama PT Pancaran Harapan Bangsa, Direktur Utama PT MnC Finance (dh PT Bhakti Finance), komisaris PT MnC life assurance, komisaris Utama PT MnC asuransi Indonesia dan Direktur MnC Capital.

He has served as Bank Officer Trainee, Assistant Manager Credit Marketing and Manager of Corporate Banking of PT Bank International Indonesia, Branch Manager and Deputy General Manager – Credit Division of PT Bank Danamon Indonesia, senior Vice President – Credit and Marketing Division Head of PT Bank Central Dagang, Head of Corporate Banking of PT Bank Unibank Tbk, Head of Credit and legal and Head of Marketing and Business Development of PT Bank Unibank Tbk. subsequently, he served as Vice President Director of PT MnC Finance, Director of PT Bhakti Capital Indonesia Tbk, President Director of PT Inti Variety Olefindo, President Director of PT Iroland Mulia Together, President Director of PT arc of Hope nation, President Director of PT MnC Finance (formerly PT Bhakti Finance), Commissioner of PT MnC life assurance, President Commissioner of PT MnC asuransi Indonesia and Director of MnC Capital.

pendidikan/pelatihan Tahun 2016Workshop/Trainings in 2016

selama tahun 2016, beliau telah mengikuti beberapa pelatihan peningkatan kompetensi, dengan ringkasan dapat dilihat di Bab GCG Halaman 276.

During 2016, he has participated in competence enhancement trainings. Please see details in the GCG Chapter, Page 276.

Hubungan AfiliasiAffiliate Relations

Memiliki hubungan afiliasi dengan pemegang saham utama.

He has affiliation with the ultimate shareholder.

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PROFIL DEwAN KOMISARIS Board of Commissioners’ Profile

Rusli witjahjonoKomisaris Independen | Independent Commissioner58 tahun, Warga negara Indonesia | 58 years old, Indonesian Citizen

Riwayat pendidikaneducational Background

Beliau memperoleh Master of Business administration (MBa) dari Virginia Commonwealth University (VCU) di richmond, Virginia, amerika serikat pada tahun 1994.

He obtained a Bachelor of Business administration from the General Management Faculty of Virginia Commonwealth University (VCU) richmond, Virginia, United states in 1994.

RIwAYAT JABATAN ProFessIonal BaCkGroUnD Dasar Hukum & Masa Jabatanappointment Basis & Tenure

Beliau diangkat sebagai komisaris Independen PT Bank MnC Internasional Tbk berdasarkan rUPs Tahunan tanggal 3 Mei 2016 dan efektif menjabat berdasarkan surat oJk no.sr-150/D.03/2016 tanggal 8 agustus 2016

He was appointed as Independent Commissioner of PT Bank MnC International Tbk pursuant to the annual GMs on 3 May 2016 and effectively serves based on the letter of Financial services authority (oJk) no.sr-150/D.03/2016 on 8 august 2016

Rangkap Jabatan Multiple Board Membership

Juga menjabat sebagai anggota komite:· ketua merangkap anggota komite audit· anggota komite Pemantau risiko

also serves as Committee’s members:· Chairman and Member of audit Committee· Member of risk oversight Committee

pengalaman Kerja Professional experience

Beliau mengawali karirnya di Bank BrI dan menduduki berbagai jabatan yaitu Wakil Pimpinan Wilayah Manado dan Denpasar, eVP Chief auditor (Inspektur) Manado, Palembang, Bandung dan Jakarta. selanjutnya beliau sempat berkarir sebagai Pengajar/Instruktur Internal Control dan Internal audit Bank pada Indonesian Banking school (IBs). sebelum bergabung dengan Perseroan, beliau menjabat sebagai anggota komite audit di Bank QnB Indonesia

Began his career in Bank BrI and served as Vice President regional of Manado and Denpasar, eVP Chief auditor (Inspector) Manado, Palembang, Bandung and Jakarta. He further has had a career as lecturer/Instructor of Banking Internal Control and Internal audit at Indonesian Banking school (IBs). Prior to joining the Company, he served as Member of audit Committee of Bank QnB Indonesia.

pendidikan/pelatihan Tahun 2016Workshop/Trainings in 2016

selama tahun 2016, beliau telah mengikuti beberapa pelatihan peningkatan kompetensi, dengan ringkasan dapat dilihat di Bab GCG Halaman 276.

During 2016, he has participated in competence enhancement trainings. Please see details in the GCG Chapter, Page 276.

Hubungan AfiliasiAffiliate Relations

Beliau tidak memiliki hubungan afiliasi dengan anggota Dewan komisaris lainnya, maupun dengan anggota Direksi, atau dengan pemegang saham utama.

He does not have any affiliations with fellow members of the Board of Commissioners, or members of the Board of Directors, nor with the ultimate shareholder.

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PROFILDIREKSIBoard of Directors’ Profile

Benny purnomopresiden Direktur | President Director49 tahun, Warga negara Indonesia | 49 years old, Indonesian Citizen

Riwayat pendidikaneducational Background

Beliau menyelesaikan Program Pascasarjana di bidang studi Manajemen dari UnIka atmajaya pada tahun 2003.

He graduated with the Master of Management degree from atma Jaya Catholic University in 2003.

RIwAYAT JABATAN ProFessIonal BaCkGroUnD Dasar Hukum & Masa Jabatanappointment Basis & Tenure

Beliau diangkat sebagai Presiden Direktur PT Bank MnC Internasional Tbk berdasarkan rUPs luar Biasa tanggal 12 november 2014 dan efektif menjabat berdasarkan surat oJk no.sr-93/D.03/2014 tanggal 9 Juni 2014

He was appointed as President Director of PT Bank MnC International Tbk pursuant to the extraordinary GMs on 12 november 2014, and effectively serves based on the letter of Financial services authority (oJk) no.sr-93/D.03/2014 dated 9 June 2014.

Rangkap Jabatan Multiple Board Membership

· Tidak ada rangkap jabatan · Does not have any concurrent post.

pengalaman Kerja Professional experience

Beliau diangkat sebagai Wakil Presiden Direktur PT Bank MnC Internasional Tbk sejak tanggal 9 Juni 2014.

Memulai karir sebagai Programmer di Inti salim Corpora tahun 1989 – 1991. sejak tahun 1992 sampai dengan 2006 berkarir di PT Bank Central asia, Tbk. dengan berbagai posisi yang pernah dijabat antara lain Branch support Pro Manager, Branch support assistant Manager, system Development Deputy Manager, Product Management Deputy Manager, special account Management Deputy Manager, Priority service Management Manager dan terakhir menjabat sebagai Product Management senior Manager. Melanjutkan karir di PT Bank oCBC nIsP Tbk sebagai Consumer Channel Division Head dari tahun 2006 – 2009 dan sebagai Direktur PT Bank Mutiara Tbk pada 2009 – 2014.

He was appointed Vice President Director of PT Bank MnC Internasional Tbk on 9 June 2014.

He started his career as Programmer at Inti salim Corpora from 1989 to 1991. From 1992 to 2006 he worked at PT BCa Tbk, with the positions held including Branch support Pro Manager, Branch support assistant Manager, system Development Deputy Manager, Product Management Deputy Manager, special accounts Management Deputy Manager, Priority service Management Manager and most recently as Product Management senior Manager. He continued his career at PT Bank oCBC nIsP Tbk as Consumer Channel Division Head in 2006-2009, and Director of PT Bank Mutiara Tbk in 2009-2014.

pendidikan/pelatihan Tahun 2016Workshop/Trainings in 2016

selama tahun 2016, beliau telah mengikuti beberapa pelatihan peningkatan kompetensi, dengan ringkasan dapat dilihat di Bab GCG Halaman 236.

During 2016, he has participated in competence enhancement trainings. Please see details in the GCG Chapter, Page 236.

Hubungan AfiliasiAffiliate Relations

Beliau tidak memiliki hubungan afiliasi dengan anggota Direksi lainnya, maupun dengan anggota Dewan komisaris, atau dengan pemegang saham utama.

He does not have any affiliations with fellow members of the Board of Directors, or members of the Board of Commissioners, nor with the ultimate shareholder.

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PROFIL DIREKSIBoard of Directors’ Profile

Benny HelmanDirektur Keuangan | Finance Director43 tahun, Warga negara Indonesia | 43 years old, Indonesian Citizen

Riwayat pendidikaneducational Background

sarjana ekonomi Jurusan akuntansi di Universitas Trisakti pada tahun 1995.

Bachelor of economics degree from the Department of accounting, Trisakti University, in 1995.

RIwAYAT JABATAN ProFessIonal BaCkGroUnD Dasar Hukum & Masa Jabatanappointment Basis & Tenure

Beliau diangkat sebagai Direktur PT Bank MnC Internasional Tbk berdasarkan rUPs Tahunan tanggal 21 april 2014 dan efektif menjabat berdasarkan surat oJk no.sr-94/D.03/2014 tanggal 9 Juni 2014

He was appointed as Director of PT Bank MnC International Tbk pursuant to the annual GMs on 21 april 2015, and effectively serves based on the letter of Financial services authority (oJk) no.sr-94/D.03/2014 dated 9 June 2014.

Rangkap Jabatan Multiple Board Membership

· Tidak ada rangkap jabatan · Does not have any concurrent post.

pengalaman Kerja Professional experience

Beliau memulai karirnya di kantor akuntan Publik Prasetio Utomo (arthur andersen) setelah meraih gelar sarjana ekonomi Jurusan akuntansi di Universitas Trisakti pada tahun 1995. Beliau pernah menjabat antara lain sebagai Internal audit Manager di nexus Group. Bekerja di Citibank Indonesia selama 12 tahun dengan posisi terakhir sebagai Director– Country Controller. kemudian menjabat sebagai Business Controller Director for Downstream Centre Golden agri resources ltd, Direktur – Head of Finance system and Project Implementation Citibank australia and new Zealand.

He began his career at the public accounting firm Prasetio Utomo (Arthur Andersen) after earning a Bachelor of economics degree from the Department of accounting, Trisakti University, in 1995. He served among others as Internal audit Manager at nexus Group, then worked at Citibank Indonesia for 12 years with his last position being the Director-Country Controller. He subsequently served as Business Controller Director for Downstream Centre at Golden agri resources ltd, and then Director – Head of Finance system and Project Implementation at Citibank australia and new Zealand.

pendidikan/pelatihan Tahun 2016Workshop/Trainings in 2016

selama tahun 2016, beliau telah mengikuti beberapa pelatihan peningkatan kompetensi, dengan ringkasan dapat dilihat di Bab GCG Halaman 236.

During 2016, he has participated in competence enhancement trainings. Please see details in the GCG Chapter, Page 236.

Hubungan AfiliasiAffiliate Relations

Beliau tidak memiliki hubungan afiliasi dengan anggota Direksi lainnya, maupun dengan anggota Dewan komisaris, atau dengan pemegang saham utama.

He does not have any affiliations with fellow members of the Board of Directors, or members of the Board of Commissioners, nor with the ultimate shareholder.

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PROFIL DIREKSIBoard of Directors’ Profile

Nerfita PrimasariDirektur Sumber Daya Manusia dan general Services | Human resources and General services Director45 tahun, Warga negara Indonesia | 45 years old, Indonesian Citizen

Riwayat pendidikaneducational Background

Beliau Menyelesaikan Master of Management di Universitas Gadjah Mada pada tahun 2006.

she graduated with a Master of Management degree from Gadjah Mada University in 2006.

RIwAYAT JABATAN ProFessIonal BaCkGroUnD Dasar Hukum & Masa Jabatanappointment Basis & Tenure

Beliau diangkat sebagai Direktur PT Bank MnC Internasional Tbk berdasarkan rUPs Tahunan tanggal 21 april 2014 dan efektif menjabat berdasarkan surat oJk no.sr-123/D.03/2014 tanggal 24 Juli 2014.

she was appointed as Director of PT Bank MnC International Tbk pursuant to the annual GMs on 21 april 2014, and effectively serves based on the letter of Financial services authority (oJk) no.sr-123/D.03/2014 dated 24 July 2014.

Rangkap Jabatan Multiple Board Membership

· Tidak ada rangkap jabatan · Does not have any concurrent post.

pengalaman Kerja Professional experience

Memulai berkarir sebagai Human resources representative di PT Digital astra nusantara tahun 1996 – 1998. sejak tahun 1998 sampai dengan 2003 berkarir di Hewlett Packard Indonesia sebagai Human resources services advisor. Melanjutkan karir sebagai Country Human resource Manager di PT saP Indonesia pada tahun 2003 – 2004.

kemudian kembali berkarir di Hewlett Packard Indonesia pada 2004 – 2005 sebagai Human resource Program Manager for south east asia Total reward. selanjutnya beliau menjabat sebagai senior Vice President – Global Consumer Banking Hr Head di Citibank, n.a. Indonesia.

she started her career as Human resources representative at PT Digital astra nusantara in 1996-1998. From 1998 to 2003 she worked at Hewlett Packard Indonesia as Human resources services advisor. she continued her career as Country Human resource Manager at PT saP Indonesia in 2003-2004.

subsequently she returned to work at Hewlett Packard Indonesia in 2004-2005 as Human resource Program Manager for south east asia Total reward. she then served as senior Vice President - Global Hr Head of Consumer Banking at Citibank, n.a. Indonesia.

pendidikan/pelatihan Tahun 2016Workshop/Trainings in 2016

selama tahun 2016, beliau telah mengikuti beberapa pelatihan peningkatan kompetensi, dengan ringkasan dapat dilihat di Bab GCG Halaman 236.

During 2016, she has participated in competence enhancement trainings. Please see details in the GCG Chapter, Page 236.

Hubungan AfiliasiAffiliate Relations

Beliau tidak memiliki hubungan afiliasi dengan anggota Direksi lainnya, maupun dengan anggota Dewan komisaris, atau dengan pemegang saham utama.

She does not have any affiliations with fellow members of the Board of Directors, or members of the Board of Commissioners, nor with the ultimate shareholder.

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PROFIL DIREKSIBoard of Directors’ Profile

widiatama BunartoDirektur operasional dan Teknologi | operations and Technology Director51 tahun, Warga negara Indonesia | 51 years old, Indonesian Citizen

Riwayat pendidikaneducational Background

Beliau menyelesaikan Pascasarjana Manajemen Umum dari Institut Pengembangan Manajemen Indonesia (IPMI), Jakarta.

He completed his Master in General Management degree from Management Development Institute Indonesia (IPMI), Jakarta.

RIwAYAT JABATAN ProFessIonal BaCkGroUnD Dasar Hukum & Masa Jabatanappointment Basis & Tenure

Beliau diangkat sebagai Direktur PT Bank MnC Internasional Tbk berdasarkan rUPs luar Biasa tanggal 12 november 2014, yang sebelumnya telah disetujui oleh otoritas Jasa keuangan atas pencalonannya sebagai Direktur Perseroan berdasarkan surat oJk no.sr-174/D.03/2014 tanggal 6 oktober 2014.

He was appointed as Director of PT Bank MnC International Tbk pursuant to the extraordinary GMs on 12 november 2014, which candidacy as Director of the Company has been previously approved by the Financial services authority (oJk) through letter no.174/D.03/2014 dated 6 october 2014.

Rangkap Jabatan Multiple Board Membership

· Tidak ada rangkap jabatan · Does not have any concurrent post.

pengalaman Kerja Professional experience

Beliau pernah berkarir di schlumberger Wireline services sebagai Junior Field engineer Bulan Juni sampai dengan september 1990. kemudian Desember 1990 sampai dengan agustus 1999 beliau berkarir di IBM Indonesia dengan posisi jabatan sebagai system engineer Banking, Finance and securities. Posisi terakhir menjabat sebagai Global services resource Head. Pada Bulan agustus 1999 sampai dengan Februari 2010 berkarir di Citibank Indonesia dengan posisi jabatan terakhir sebagai Corporate Banking operations Department Head. Beliau melanjutkan karir di PT Bank CIMB niaga Tbk pada tahun 2010 sampai dengan 2014 dengan posisi jabatan awal sebagai Head of Hr service and Planning dan jabatan terakhir sebagai Head of national Branch operations.

He had a career at schlumberger Wireline services as Junior Field engineer from June to september 1990. From December 1990 to august 1999 he worked at IBM Indonesia with the position as system engineer Banking, Finance and securities. His final position was Global Services Resource Head. From august 1999 to February 2010 he worked at Citibank Indonesia with the final position as Corporate Banking operations Department Head. He continued to work at PT Bank CIMB niaga Tbk from 2010 to the beginning of 2014 as Head of HR Service and Planning and his final position was as Head of national Branch operations.

pendidikan/pelatihan Tahun 2016Workshop/Trainings in 2016

selama tahun 2016, beliau telah mengikuti beberapa pelatihan peningkatan kompetensi, dengan ringkasan dapat dilihat di Bab GCG Halaman 236.

During 2016, he has participated in competence enhancement trainings. Please see details in the GCG Chapter, Page 236.

Hubungan AfiliasiAffiliate Relations

Beliau tidak memiliki hubungan afiliasi dengan anggota Direksi lainnya, maupun dengan anggota Dewan komisaris, atau dengan pemegang saham utama.

He does not have any affiliations with fellow members of the Board of Directors, or members of the Board of Commissioners, nor with the ultimate shareholder.

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PROFIL DIREKSIBoard of Directors’ Profile

chisca MirawatiDirektur Kepatuhan | Compliance Director48 tahun, Warga negara Indonesia | 48 years old, Indonesian Citizen

Riwayat pendidikaneducational Background

Beliau menyelesaikan Master of Business administration faculty Banking and Finance di Maastricht school of Management netherlands

He completed his Master in General Management degree from Management Development Institute Indonesia (IPMI), Jakarta.

RIwAYAT JABATAN ProFessIonal BaCkGroUnD Dasar Hukum & Masa Jabatanappointment Basis & Tenure

Beliau diangkat sebagai Direktur PT Bank MnC Internasional Tbk berdasarkan rUPs Tahunan tanggal 3 Mei 2016, dan efektif menjabat berdasarkan surat oJk no.sr-110/D.03/2016 tanggal 27 Juni 2016.

she was appointed as Director of PT Bank MnC International Tbk pursuant to the annual GMs on 3 May 2016, and effectively serves based on the letter of Financial services authority (oJk) no.sr-110/D.03/2016 dated 27 June 2016.

Rangkap Jabatan Multiple Board Membership

· Tidak ada rangkap jabatan · Does not have any concurrent post.

pengalaman Kerja Professional experience

Beliau memulai karirnya tahun 1991 di Bapindo sebagai administrasi kredit. Tahun 1994 sempat berkarir di PT Indomobil sebagai Legal Officer. Melanjutkan karirnya di BnI sejak tahun 1994 hingga 2006 diawali sebagai asisten Manager Divisi Hukum & Penyeliaan khusus, dilanjutkan sebagai Manager Divisi Hukum dan kepatuhan dan posisi terakhir sebagai Manager Divisi Internasional. Tahun 2006 hingga 2012 beliau bergabung di standard Chartered Bank Indonesia dan menduduki berbagai jabatan, diawali sebagai assistant Vice President legal & Compliance, selanjutnya beliau menjabat sebagai Direktur kepatuhan, sempat pula menjabat sebagai Head, legal & Compliance standard Chartered Bank oman dan terakhir menjabat sebagai sea Head Training & CB legal & Compliance Indonesia. sebelum bergabung di MnC Bank, beliau menjabat sebagai Direktur kepatuhan PT Bank andara tahun 2012 hingga 2016 .

Began her career in 1991 with Bapindo as the loan administration. In 1994 has had a career with PT Indomobil as Legal Officer. Continued her career with BnI from 1994 to 2006 as assistant Manager of Legal & Specific Supervisory Division, continued as Manager of legal and Compliance Division and last position as Manager of International Division. From2006 to 2012, she joined standard Chartered Bank Indonesia and served in several positions, began as assistant Vice President of legal & Compliance, then served as Compliance Director, also served as Head, legal & Compliance of standard Chartered Bank in oman and last position as sea Head Training & CB legal & Compliance Indonesia. Prior to joining MnC Bank, she served as Compliance Director of PT Bank andara from 2012 to 2016.

pendidikan/pelatihan Tahun 2016Workshop/Trainings in 2016

selama tahun 2016, beliau telah mengikuti beberapa pelatihan peningkatan kompetensi, dengan ringkasan dapat dilihat di Bab GCG Halaman 236.

During 2016, she has participated in competence enhancement trainings. Please see details in the GCG Chapter, Page 236.

Hubungan AfiliasiAffiliate Relations

Beliau tidak memiliki hubungan afiliasi dengan anggota Direksi lainnya, maupun dengan anggota Dewan komisaris, atau dengan pemegang saham utama.

She does not have any affiliations with fellow members of the Board of Directors, or members of the Board of Commissioners, nor with the ultimate shareholder.

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JuMLAHKARYAwAN

Number of Employees

sampai dengan 31 Desember 2016, MnC Bank memiliki 1.060 karyawan tetap, menurun 4,02% dibandingkan tahun 2015 yang berjumlah 1.019 karyawan.

as of December 31, 2016, MnC Bank had 1,060 permanent employees, decreased by 4.02% compared with total 1,019 employees in 2015.

Komposisi Karyawan Berdasarkan Tingkat pendidikanemployee Composition by education level

pendidikan | education 2015 2016non Diploma 19 16

Diploma 221 205

sarjana 779 839

Total 1.019 1.060

Komposisi Karyawan Berdasarkan Usiaemployee Composition by age

Jenjang Usia | By age 2015 2016<= 30 267 297

31 – 40 454 459

41 - 50 243 238

51 – 55 51 59

>= 56 4 7

Total 1.019 1.060

2%

non Diploma

22%

Diploma

76%

sarjana

2015

2%

non Diploma

19%

Diploma

79%

sarjana

2016

26%

<= 30

24%

41 - 5045%

31 – 40

5%

51 – 55

0%

>= 56

2015

28%

<= 30

22%

41 - 5043%

31 – 40

6%

51 – 55

1%

>= 56

2016

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INFORMASIpEMEgANg SAHAMShareholders Information

Komposisi pemegang SahamShareholders Structure

cali pemegang Sahamshareholders

Jumlah Sahamnumber of shares

persentase Kepemilikan

ownership Percentage

a. pemegang Saham yang Memiliki 5% atau Lebih Saham | shareholders above 5% or over

1 MnC kapital Indonesia 8.129.678.241 39,50

2 MarCo PrInCe CorP 2.654.374.881 12,90

3 rBC sInGaPore - ClIenTs a/C 1.909.537.680 9,28

b. Anggota Direksi dan Anggota Dewan Komisaris yang Memiliki Saham | shares ownership by Members of the Board of Directors and Board of Commissioners

1 Board of commissioners: Tidak ada | none -

Board of Directors: Tidak ada | none -

c. Kelompok pemegang Saham Masyarakat yang Memiliki Kurang Dari 5% Saham | less than 5% shares ownership by Public

1Publik lainnya (masing-masing kurang dari 5%)other public shareholders (each less than 5%)

6.435.972.290 38,32

Total 19.129.563.072 100,00%

STRuKTuRpEMEgANg SAHAMShareholders Structure

pT HT Investama

publik | Public

publik | Public

publik | Public

HT Investment Development Ltd

HT capital Investment Ltd

RBc Singapore - clients Ac

pT Bhakti panjiwira

UoB Kay Hian (Hongkong) Ltd

pT MNc Kapital Indonesia Tbk

UoB Kay Hian (Hongkong) Ltd

pT MNc Investama Tbk

Marco prince corp.

pT pratama prima Investama Hary Tanoesoedibjo

48.00%

39.92%

14.85%

38.32%

27.47%

7.12%

9.28%

10.64%

9.24%

39.50%

17.48%

68.79%

12.90%

20.00%

pT Bank MNc Internasional Tbk(Badan Hukum Indonesia)

32.00%

4,49%

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STRuKTuRKELoMpoK USAHA

Business Group Structure

MNc corporation

Media Financial Services Property Financial InvestmentsPT Global Mediacom Tbk

Content and Advertising Based Media Bank Lifestyle & Entertainment Development

Resort Development

General Property Development

Asset Management

Life Insurance

Leasing

Multi Finance

General Insurance

Securities

Subscription Based Media

Online Media

Free to Air

Lido Integrated Resort & Themepark

•Westin Resort & Convention, Bali

•Bali Nirwana Resort, Bali

•OfficeBuilding•Hotels•Apartments•Property Services

MNC SkyVision

Content

MNC Kabel Mediacom

Others

PT MNC Kapital Indonesia Tbk PT MNC Land Tbk

ANAKpERUSAHAAN

Subsidiaries

sampai dengan 31 Desember 2016, MnC Bank tidak memiliki entitas anak maupun entitas asosiasi.

Up to 31 December 2016, MnC Bank had no subsidiaries or associates.

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KRONOLOGISpENcATATAN SAHAMShare Listing Chronology

pENAwARAN UMUM pERDANA SAHAMPada tanggal 27 Juni 2002, MnC Bank memperoleh pernyataan efektif dari ketua BaPePaM dengan surat no.s-1402/ PM/2002 untuk melakukan penawaran umum saham atas 500.000.000 saham Perseroan kepada masyarakat. nilai nominal per saham adalah sebesar rp 100 dan harga penawaran adalah sebesar rp 120 per saham. Pada tanggal 15 Juli 2002, saham Perseroan telah dicatatkan pada Bursa efek Indonesia.

pENAwARAN UMUM SAHAM TERBATAS IPada tanggal 23 november 2005, MnC Bank memperoleh pernyataan efektif dari ketua BaPePaM dengan surat no.s-3278/PM/2005 untuk melakukan Penawaran Umum Terbatas I atas 3.000.000.000 saham Perseroan dengan harga penawaran sama dengan nilai nominal sebesar rp 100 per saham, disertai dengan penerbitan 666.666.654 Waran ser I yang memberikan hak pemegang saham untuk membeli saham baru dengan harga pelaksanaan rp 120 per saham.Pembelian dapat dilakukan selama masa pelaksanaan yaitu mulai tanggal 30 Juni 2006 sampai dengan 29 Desember 2010. saham-saham tersebut telah dicatatkan pada Bursa efek Indonesia pada tanggal 2 Januari 2006.

pENAwARAN UMUM SAHAM TERBATAS IIPada tanggal 22 Juni 2010, MnC Bank memperoleh penyertaan efektif dari ketua BaPePaM-lk melalui surat no.s-5539/Bl/2010 untuk melakukan Penawaran Umum Terbatas II (“PUT II”) kepada para pemegang saham perseroan dalam rangka penerbitan HMeTD dengan penerbitan obligasi wajib konversi yang diberi nama obligasi wajib konversi Bank ICB Bumiputera tahun 2010 (“OWK”) dengan jumlah pokok sebesar rp150.000 juta. setiap pemegang 10 (sepuluh) saham Perseroan yang namanya tercatat dalam Daftar Pemegang saham Perseroan pada tanggal 2 Juli 2010 pukul 16.00 WIB berhak atas 3 (tiga) HMeTD dimana setiap 1 (satu) HMeTD berhak untuk membeli 1 (satu) satuan oWk, dengan harga penawaran sebesar rp 100 setiap 1 (satu) satuan oWk yang harus dibayar penuh pada saat mengajukan pemesanan oWk.

INITIAL pUBLIc oFFERINg oF SHARESon 27 June 2002 MnC Bank received effective statement from Bapepam-lk Chairman with the letter no.s-1402/PM/2002 to conduct initial public offering of 500,000,000 shares of Company to the public. The share nominal price was rp 100 and the offering price was rp 120 per share. on 15 July 2002, MnC Bank’s shares were registered on the Indonesian stock exchange.

RIgHTS ISSUE Ion 23 november 2005, MnC Bank received effective statement from Bapepam-lk Chairman with the letter no.s-3278/ PM/2005 to conduct rights Issue I on 3,000,000,000 shares of MnC Bank with the offering price equal to the nominal price of rp 100 per share, followed with the issuance of 666,666,654 Warrants serie I that provide the right to shareholders to purchase new shares with the execution price of rp 120 per share. The purchase could be done during the execution period, i.e. from 30 June 2006 to 29 December 2010. These shares were listed on the Indonesia stock exchange on 2 January 2006.

RIgHTS ISSUE IIon 22 June 2010, MnC Bank received effective statement from Bapepam-lk Chairman with the letter no.s-5539/PM/2010 to conduct rights Issue II on 3,000,000,000 shares of MnC Bank to shareholders for the rights issue involved in the issuance of the obligatory convertible bonds called the obligatory Convertible Bond Bank ICB Bumiputera 2010 (“OWK”) with a principal amount of rp150,000 million. each ownership of 10 (ten) shares of MnC Bank whose names were listed on MnC Bank’s shareholders list on 2 July 2010 at 16.00 WIB has the right to 3 (three) rights to purchase 1 (one) unit of oWk, with the offering price of rp100 per unit of oWk that must be fully paid for when ordering the oWk.

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KRONOLOGIS PENCATATAN SAHAM Share Listing Chronology

pENAwARAN UMUM SAHAM TERBATAS IIIPada tanggal 20 Juni 2014, MnC Bank memperoleh surat pernyataan efektif dari Dewan komisaris oJk no.s-291/D.04/2014 untuk melakukan Penawaran Umum Terbatas III (“PUT III”) dalam rangka penerbitan HMeTD sebanyak 8.046.248.527 lembar saham dengan harga penawaran rp 100 per saham yang disertai dengan penerbitan Waran seri II sebanyak 1.828.692.847 waran, dimana setiap 22 saham hasil pelaksanaan HMeTD tersebut melekat 5 Waran seri II yang memberikan hak kepada pemegang saham untuk membeli saham baru dengan harga pelaksanaan rp 150 per saham. Pelaksanaan Waran seri II dapat dilaksanakan mulai tanggal 4 Februari 2015 sampai dengan tanggal 3 Juli 2017 dimana setiap pemegang 1 waran berhak untuk membeli 1 saham Perseroan. Pada tanggal 31 Desember 2014, sejumlah 14.882.003.797 saham Perseroan telah dicatatkan pada Bursa efek Indonesia dan sejumlah 150.323.271 saham yang merupakan saham pendiri tidak dicatatkan di bursa.

pENAwARAN UMUM SAHAM TERBATAS IVPada tanggal 25 september 2015, MnC Bank memperoleh surat pernyataan efektif dari Dewan komisioner oJk no.s-437/D.04/2015 untuk melakukan Penawaran Umum Terbatas IV (“PUT IV”) dalam rangka penerbitan HMeTD sebanyak 6.744.407.924 lembar saham dengan harga penawaran rp 100 per saham. Hasil dari pelaksanaan PUT IV Perseroan menerbitkan 4.097.235.004 lembar saham dan sisanya dikembalikan ke portepel. Pada tanggal 31 Desember 2015, sejumlah 18.938.267.441 saham Perseroan telah dicatatkan pada Bursa efek Indonesia dan sejumlah 191.295.631 saham yang merupakan saham tidak dicatatkan di bursa sesuai dengan ketentuan peraturan perundangan yang berlaku.

RIgHTS ISSUE IIIon 20 June 2014, MnC Bank received effective statement from the Board of Commissioners of the Financial services authority with the letter no.s-291/D.04/2014 to conduct rights Issue III on 8,046,248,527 shares of MnC Bank, with the offering price of rp100 per share, accompanied by the issuance of Warrant serie II amounting to 1,828,692,847 warrants, where on each 22 shares from the rights issue are attached 5 Warrant serie II, which give the right to shareholders to purchase the new shares with an execution price of rp150 per share. The execution of Warrant serie II could be conducted starting from 4 February 2015 to 3 July 2017, where each holder of 1 warrant has the right to purchase 1 share of MnC Bank. By 31 December 2014, as many as 14,882,003,797 shares of MnC Bank had been registered on the Indonesia stock exchange, and as many as 150,323,271 shares who are founders’ shares are not listed on the stock market.

RIgHTS ISSUE IVon 25 september 2015, MnC Bank received effective statement from the Board of Commissioners of the Financial services authority with the letter no.s-437/D.04/2015 to conduct rights Issue IV on 6,744,407,924 shares with the offering price of rp100 per share. From the proceeds from the rights Issue IV, MnC Bank issued 4,097,235,004 shares and return the balance to the portfolio. By 31 December 2015, as many as 18,938,267,441 shares of MnC Bank had been registered on the Indonesia stock exchange, and as many as 191,295,631 shares who are founders’ shares are not listed on the stock market.

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pENAwARAN UMUM SAHAM TERBATAS VPada tanggal 23 september 2016, MnC Bank memperoleh surat pernyataan efektif dari Dewan komisaris oJk no.s-531/D.04/2015 untuk melakukan Penawaran Umum Terbatas V (“PUT V”) dalam rangka penerbitan HMeTD sebanyak 4.782.390.768 lembar saham dengan harga penawaran rp 100 per saham, yang disertai dengan penerbitan Waran seri III sebanyak 4.782.390.768 Waran, dimana setiap 1 (satu) saham hasil pelaksanaan HMeTD tersebut melekat 1 (satu) Waran seri III yang memberikan hak kepada pemegang saham untuk membeli saham baru dengan harga pelaksanaan rp 100 per saham. Pelaksanaan Waran seri III dapat dilaksanakan mulai tanggal 7 april 2017 sampai dengan tanggal 4 oktober 2019. Hasil dari pelaksanaan PUT V Perseroan menerbitkan 1.454.901.709 lembar saham dan sisanya dikembalikan ke portepel. Pada tanggal 31 Desember 2016, sejumlah 20.375.650.595 saham Perseroan telah dicatatkan pada Bursa efek Indonesia dan sejumlah 205.814.652 saham yang merupakan saham tidak dicatatkan di bursa sesuai dengan ketentuan peraturan perundangan yang berlaku.

RIgHTS ISSUE Von 23 september 2016, MnC Bank received effective statement from the Board of Commissioners of the Financial services authority with the letter no.s-531/D.04/2015 to conduct rights Issue V with preemprive rights on 4,782,390,768 shares with the offering price of rp 100 per share, accompanied by the issuance of Warrant serie III amounting to 4,782,390,768 warrants, where on each 1 (one) share from the rights issue are attached 1 (one) Warrant serie III, which give the right to shareholders to purchase the new shares with an execution price of rp 100 per share. The implementation of Warrant serie III will be conducted starting from 7 april 2017 to 4 october 2019. From the result of rights Issue V, MnC Bank issued 1,454,901,709 shares and the balance was returned to the portfolio. on 31 December 2016, a total of 20.375.650.595 shares of MnC Bank had been registered on the Indonesia stock exchange, and a total of 205.814.652 shares were non listed on the stock exchange in accordance with the prevailing laws and regulations.

KRONOLOGIS PENCATATANEFEK LAINNYA Other Securities Listing Chronology

Jenis EfekType of

securities

Tangal penerbitan

Issuance Date

Total Efek YangDiterbitkan

Total securitiesIssued

Efek Yang TelahDikonversi

Total securitiesConverted

Jumlah Efek Yang Belum

DikonversikanTotal securities not

yetJumlah Converted

Jumlah amount

NilaiValue

Waran IIWarrant II

4 Februari 2016February 4, 2016

1.828.692.847 1.466 rp 219.900 1.828.691.381

Waran IIIWarrant III

7 oktober 2016october 7, 2016

1.451.901.709 0 0 1.451.901.709

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LEMBAGA DAN PROFESIpENUNJANg pASAR MoDAL

Capital Market Supporting Institutions

Nama & Alamatname & address

Jasaservices

FeeFees

periode penugasanassignment

Periods

pT Bursa Efek IndonesiaGedung Bursa efek Indonesia, Tower 1Jl. Jend. sudirman kav. 52-53Jakarta 12190, IndonesiaTelepon : (021) 5150515Faksimili: (021) 5154153email : [email protected] : www.idx.co.id

Informasi Perdagangan dan Pencatatan saham

Trading information and share listing

rp 247.500.000 sejak tahun 2002 hingga saat ini

since 2002 to present

Satrio Bing Eny & RekanThe Plaza Office Tower , Lantai 32Jl. M.H. Thamrin kav 28-30Jakarta 10350, IndonesiaTelepon : (021) 29923100Faksimili: (0210 29928200/8300

Akuntan publikMengaudit laporan keuangan Bank MnC Internasional untuk tahun buku yang berakhir pada tanggal 31 Desember 2016 (laporan keuangan Tahun Buku 2016)

public AccountantTo audit the Financial statements of Bank MnC Internasional for fiscal year ended 31 December 2016 (Financial statements of Fiscal Year 2016)

rp 783.000.000 Untuk tahun buku 2016

For financial year 2016

pT BSR Indonesia

komplek Perkantoran ITC roxy Mas Blok e1 no.10-11Jl. k.H. Hasyim ashariJakarta 10150Telepon: (021) 631 7828Faksimili: (021) 631 7827

Biro Administrasi EfekPengelolaan administrasi saham dan waran

Share Registrarshares and warrants administration management

rp 59.400.000 sejak tahun 2014 hingga saat ini

since 2014 to present

PENGHARGAAN& SERTIFIKASI

Awards & Certifications

AgustusAugust18

MnC Bank raih penganugerahan dari aliansi Jurnalis Properti dan keuangan dalam kategori perbankan.

MnC Bank received the award form Property Journalism alliance and financie in the category of banking.

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PT Bank Bumiputera Indonesia DidirikanPT Bank Bumiputera Indonesia was established

Penawaran Umum Perdana PerseroanThe Company’s IPo

Penawaran Umum Terbatas, Rp 500 Miliarlimited Public offering of IDr 500 Billion

2016

1990 2002 2005

• Penawaran Umum Terbatas, Rp 804 Miliar• PT MNC Kapital Indonesia sebagai Pemegang Saham

Pengendali• Perseroan mengganti nama menjadi

PT Bank MNC Internasional Tbk

2014

• penawaran Umum Terbatas mencapai sebesar Rp 145 miliar

• Tahun terakhir ‘Tahap Foundation Building’ sebagai bagian dari program Transformasi MNc Bank

• MNc Bank siap meluncurkan program-program unggulan

PERJALANANKAMIReport from the Board of Commissioners

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Perseroan mengganti nama menjadi PT Bank ICB Bumiputera TbkThe Company changed its name to PT Bank ICB Bumiputera Tbk

Penawaran Umum Terbatas, Rp 500 Miliarlimited Public offeringof IDr 150 Billion

ICB Financial Group Holdings AG sebagai pemegang saham mayoritasICB Financial Group Holdings aG as majority shareholder

2009 20102007

• limited Public offering of IDr 804 Billion• PT MnC kapital Indonesia Tbk as

Controlling shareholder• The Company’s name changed to

PT Bank MnC Internasional Tbk

Penawaran Umum Terbatas, Rp 409 Miliarlimited Public offering of IDr 409 Billion

2015

• Limited public offering of IDR 145 billion• The last year of Foundation Building

Stage as the Transformation program of MNc Bank

• MNc Bank is ready to launch the execution of superior programs

PERJALANAN KAMIOur Journey

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Peningkatan laba dikontribusi oleh meningkatnya pendapatan bunga bersih sebesar 27,78% menjadi Rp366,85 miliarIncrease in profit was attributed by increase in net interest income of 27.78% to Rp366.85 billion

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ANALISA DAN pEMBAHASAN MANAJEMENMANAGEMENT ANALYSIS & DISCUSSION

84 Tinjauan Makro ekonomiMacro Economic Overview

85 pertumbuhan ekonomi indonesiaIndonesia’s Economic Growth

86 Kinerja industri perbankanBanking Industry Performance

87 Kinerja MnC Bank di industri perbankanMNC Bank Performance in the Banking Industry

88 Tinjauan usahaBusiness Review

90 produk simpananDeposits

92 produk KreditCredit Product

98 Tinjauan KeuanganFinancial Review

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TINJAuANMAKRo EKoNoMIMacroeconomics Overview

Pada tahun 2016, perekonomian global belum menunjukkan pertumbuhan yang solid terutama akibat tidak meratanya pertumbuhan di negara-negara maju. ekonomi amerika serikat (as) mulai membaik yang ditandai dengan meningkatnya serapan tenaga kerja dan target inflasi yang terlewati. Hal ini yang mendasari kebijakan pengetatan moneter as yang lebih cepat melalui kenaikan suku bunga acuan Fed Fund Rate.

Di kawasan eropa, pertumbuhannya masih melambat meski sudah menunjukkan sinyal perbaikan, ditandai dengan inflasi yang trennya naik dan penyerapan tenaga kerja dalam pasar kerja. risiko ketidakpastian masih membayangi perekonomian eropa menyusul kebijakan British exit (Brexit) dan berkembangnya sentiment proteksionisme ekonomi di beberapa negara.

sedangkan pertumbuhan ekonomi di negara-negara emerging market utama seperti rusia, Brazil dan India cenderung stagnan. sedangkan ekonomi Tiongkok tumbuh melambat sebagai imbas peralihan sumber pertumbuhan dari sektor manufaktur ke sektor jasa.

Perlambatan ekonomi global berdampak terhadap menurunnya volume perdagangan. namun mulai pertengahan tahun 2016, harga komoditas tambang seperti batubara mulai menunjukkan sinyal positif kenaikan harga dengan permintaan yang cenderung meningkat, meski belum seperti saat masa puncaknya lima tahun silam.

Di tingkat regional, perekonomian asean menghadapi sejumlah risiko ketidakpastian yang bersumber dari melambatnya ekonomi mitra dagang yang mengakibatkan menurunnya kinerja ekspor.

Memasuki tahun 2017, laporan Prospek ekonomi Global yang dirilis Bank Dunia memproyeksikan ekonomi global diperkirakan akan pulih dalam level moderat dengan tingkat pertumbuhan sebesar 2,7%. Perekonomian di negara emerging market dan negara berkembang yang masing-masing diprediksi tumbuh 4,2% dan 4,6% karena kenaikan harga komoditas akan menjadi motor pertumbuhan global. sedangkan negara-negara maju sumber pertumbuhannya semakin terbatas. kondisi global ke depan akan sangat dipengaruhi oleh arah dan kebijakan as dibawah pemerintahan baru dan perkembangan ekonomi Tiongkok.

The global economy in 2016 remained sluggish, as growth in developed countries was still marked by uncertainties. In the United states, an increase in the employment rate and the country exceeding its inflation targets indicated a start to recovery, which led the Federal reserve to increase its Fund rate and therefore apply a stricter monetary policy.

In europe, growth slowdown continued despite some positive signs of rebound, such as a higher inflation rate and better employment conditions. However, instability was still a risk following the British exit (Brexit) from the european Union and leanings toward economic protectionism that occurred in a number of countries.

Meanwhile, key emerging markets, such as russia, Brazil and India were in general stagnant and China experienced a consequential slowdown because of its decision to shift its growth driver from manufacturing to the services sector.

The downturn of the global economy had an impact on trade volumes, but mining commodity prices such as for coal started to pick up mid-2016 following an increase in demand, although they had not returned to their peak level of five years ago.

regionally, the trend also affected the asean economy, generating higher business risks as demand from the main trade partners weakened and export performances slipped.

embarking 2017, the World Bank’s Global economy outlook projects that the global economy will grow at a moderate level of 2.7%. The emerging markets and developing countries are estimated to grow by 4.2% and 4.6%, respectively, on the back of the price hikes of commodities that will also drive the global economy. Meanwhile, the growth sources of developed countries will be limited. In the future, the global economy will be significantly influenced by the direction and policy of the Us under its new administration, as well as by the developments in China.

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PERTuMBuHANEKoNoMI INDoNESIA

Indonesia’s Economic Growth

Dalam situasi global yang melambat, fundamentel ekonomi Indonesia tetap kokoh yang tercermin dari pertumbuhan ekonomi sebesar 5,02%, lebih tinggi dibanding tahun 2015 sebesar 4,88%. Inflasi sebesar 3,02% terjaga dalam level yang diharapkan pada kisaran 3%-4%. Hal ini tidak terlepas dari konsistensi kebijakan moneter dan kordinasi pemerintah dalam mengendalikan harga kelompok volatile food dan komoditas strategis.

nilai tukar rupiah juga terjaga dalam level yang terkendali. Pada 2016, pergerakan nilai tukar rupiah terhadap dolar menguat sebesar 2,5% dan defisit transaksi berjalan berada level yang sehat.

Membaiknya sistem ekonomi turut di didukung oleh situasi politik yang stabil. langkah deregulasi dan debirokratisasi pemerintah melalui berbagai paket kebijakan berkontribusi positif pada meningkatkan keyakinan berusaha di Indonesia. stabilitas ekonomi yang terjaga dan risiko ekonomi yang terkendali pada gilirannya memberikan basis keleluasaan gerak yang positif bagi pelaku ekonomi.

Tiga lembaga internasional, yakni, Moody’s Investors service, Japan Credit agency dan rating and Investment Information Inc, pada 2016 mempertahankan posisi Indonesia pada investment grade karena Indonesia mampu meraih pertumbuhan ekonomi yang cukup solid. Pemerintah juga berhasil meningkatkan peringkat Ease of Doing Business dari peringkat 106 ke peringkat 91.

Prospek kondisi ekonomi global yang belum akan pulih dan sejumlah risiko yang mewarnai volatilitas harga komoditas dan pasar keuangan akan menjadi tantangan ekonomi kedepan. Di sektor riil Indonesia menghadapi tantangan terkait komposisi produk ekspor yang banyak bergantung pada produk sumber daya alam, struktur pasar dan tata niaga yang masih kurang efisien.

amid a global economic slowdown, Indonesia’s economic fundaments remained strong as reflected in a 5.02% growth, which was higher than the 2015 performance of 4.88%. The inflation rate stood at 3.02% which was maintained within the 3% to 4% range. Consistent monetary policy and government coordination in controlling the prices of volatile food group and strategic commodities was one of the factor to successfully keep this level.

The rupiah exchange rate was also well-controlled. In 2016, the rupiah strengthened by 2.5% against the Us Dollar and the current account deficit was at a robust level.

economic improvement was also supported by a stable political situation. Deregulation and bureaucratic reform actions through various policy packages contributed positively to the level of confidence of doing business in Indonesia. solid economic stability and well-controlled risks created room and flexibility for market players.

International rating agencies; Moody’s Investors service, the Japan Credit agency and rating and Investment Information Inc., maintained Indonesia’s investment grade rating in 2016, as Indonesia was able to post robust economic growth. The government was also able to improve the country’s ease of Doing Business rank from 106 to 91.

Going forward, uncertain recovery of the global economy and a number of risks that influence the volatility of commodity prices, as well as the money market, will remain as challenges. The real sector in Indonesia in particular will have to answer to challenges around heavy dependence on natural resources as primary export commodities, market structure and the lack of efficiency in trade governance.

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KINERJAINDUSTRI pERBANKANBanking Industry Performance

Di tengah perlambatan yang terjadi, industri perbankan tumbuh dalam level moderat dan tetap menjalankan fungsi intermediarinya yang didukung rasio likuiditas dan permodalan yang baik. Pertumbuhan kredit perbankan pada tahun 2016 sebesar 7,87%, lebih rendah dibanding tahun 2015 yang sebesar 10,44%. Penurunan kredit lebih dikarenakan sikap kehati-hatian bank dalam menyalurkan kredit di tengah situasi ekonomi yang melambat. Berdasarkan jenis penggunaan, penyaluran kredit perbankan didominasi oleh penyaluran kredit modal kerja (kMk) yang diikuti kredit konsumsi dan kredit investasi.

Perolehan DPk sebesar 9,60%, lebih tinggi dibanding tahun 2015 yang sebesar 7,26%. salah satu faktor pengungkit perolehan DPk adalah adanya dana masuk akibat kebijakan amnesti pajak.

sejalan dengan meningkatnya risiko usaha, rasio nPl industri perbankan sedikit meningkat menjadi sebesar 2,93% dari tahun 2015 yang sebesar 2,49%. Meski demikian, nilai nPl masih dalam batas toleransi dari regulator sebesar 5%.

rentabilitas perbankan yang diukur dari roa tercatat sebesar 2,23%, lebih rendah dibanding tahun 2015. sedangkan Car sebesar 22,93%, meningkat dari tahun 2015 yang sebesar 21,39%. Hal ini mengindikasikan bahwa industri ketahanan dan stabilitas industri perbankan masih terjaga.

kedepannya, sejalan dengan peningkatan aktivitas ekonomi dan dampak pelonggaran kebijakan moneter dan makro prudensial yang telah dilakukan sebelumnya, pertumbuhan kredit dan DPk diperkirakan lebih baik, masing-masing dalam kisaran 10%-12% dan 9%-11% pada 2017. Tantangan dari sektor keuangan ke depan adalah terkait pembenahan struktur pembiayaan domestik yang belum beragam, struktur dana perbankan yang belum seimbang dan masih minimnya pendalaman pasar keuangan.

amid the global downturn, the banking industry grew at a moderate level and performed its intermediary role on the back of solid liquidity and equity ratios. Banking loan growth in 2016 was 7.87%, lower than the 10.44% in 2015. The decrease reflected the stricter prudential approach of the banks when extending loans on the basis of the economic slowdown. By types of usage, capital working loans, consumer loans and investment loans were dominated the banking lending disbursement.

Third party funds (TPF) rose by 9.60%, higher than the 7.26% in 2015. One of the significant factors that boosted TPF was the tax amnesty program, which triggered money inflows.

In line with the increased business risks, the nPl of the banking industry slightly increased to 2.93% from 2.49% in 2015. The level of nPl was still under the maximum of 5% nPl allowed by regulation.

Profitability, measured from the ROA ratio, was 2.23%, lower than the 2015 position. The Car was 22.93%, an increase from the 21.39% in 2015, which suggested that the banking industry was resilient and stable.

Moving forward, the banking industry is projected to positively grow amidst growing economic activities and monetary and macroprudential relaxation policies. loan and TPF are projected to grow at about 10% to 12% and 9% to 11%, respectively, in 2017. The challenges in the financial sector going forward will be related to the limited models of domestic financing structure, banking funding structure and financial market deepening that still require much effort.

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KINERJA MNC BANKDI INDUSTRI pERBANKAN

MNC Bank Performance in the Banking Industry

secara umum kinerja industri perbankan mengalami perlambatan yang ditandai dengan masih rendahnya pertumbuhan kredit dan menurunnya laba bank. Menghadapi kondisi yang menantang, MnC Bank tetap fokus pada bisnisnya dengan menekankan sektor konsumer yang didukung sektor korporasi dan komersial.

MnC Bank berhasil mencatatkan pertumbuhan aset sebesar 7,58%, dibawah aset industri sebesar 10,39%; penyaluran kredit tumbuh sebesar 12,83% diatas industri dan DPk tumbuh 5,87% dibawah industri 9.60%. Berikut tabel kinerja pertumbuhan MnC Bank dibanding rata-rata industri perbankan:

Tabel kinerja pertumbuhan MNc Bank dibanding rata-rata industri perbankanMnC Bank performance versus industry-wide average growth

Kinerja2016

KeteranganDescription

performanceMNc Bank IndustriIndustry

aset 7.58% 10.39% Dibawah industri Below industry

asset

kredit 12.83% 7.87% Diatas industriabove industry

loans

DPk 5.87% 9.60% Dibawah industri Below industry

Third party funds

laba bersih 14.30% 0.87% Diatas industriabove industry

net income

The banking industry in general experienced a slowdown, marked by lower loan growth and profitability. Against this backdrop, MnC Bank maintained its focus on the consumer supported by the corporate and commercial sectors.

MnC Bank posted asset growth of 7.58%, less than the industry growth of 10.39%. In terms of loan disbursement, MnC Bank grew 12.83%, more than the industry and TPF growth of 5.87%, or less than the industry growth of 9.6%. The following table presents details of MnC Bank’s performance benchmarked against industry figures.

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TINJAuAN USAHABuSINESS REVIEw

MNc Bank senantiasa melakukan pengembangan produk dan layanan keuangan yang sesuai dengan kebutuhan nasabah.MNC Bank consistently developed financial products and services according to customers’ needs.

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TINJAuAN uSAHABusiness Review

sepanjang 2016, industri perbankan dihadapkan pada persaingan yang semakin ketat, baik dari sisi produk maupun layanan. Persaingan tidak hanya terbatas di lingkungan industri perbankan, tetapi juga dengan perusahaan jasa keuangan non-bank lainnya. kehadiran financial technology (fintech) juga ikut meramaikan persaingan dalam memberikan layanan keuangan kepada nasabah.

Dalam rangka meningkatkan kinerjanya, MnC Bank senantiasa melakukan pengembangan produk dan layanan keuangan yang sesuai dengan kebutuhan nasabah. kegiatan MnC Bank antara lain melakukan penghimpunan dana, penyaluran kredit dan layanan transaksi keuangan perbankan.

kinerja usaha diukur berdasarkan kinerja produk dan layanan serta segmen nasabah. kinerja produk dan layanan meliputi produk simpanan dan produk kredit. sedangkan segmentasi nasabah meliputi segmen Wholesale, Usaha kecil dan Menengah (UkM) dan konsumer.

The competition in the banking industry throughout 2016 was increasingly stringent both in terms of products and services. The competition expanded to include not only banks, but also the emergence of other non-bank financial service providers, i.e. the financial technology (fintech) players with their various offerings of financial services to customers.

To continuously improve its performance, MnC Bank consistently developed products and services according to customers’ needs. MnC Bank’s activities include funding, lending and banking transaction services,

The business performance is measured from the achievements of its products and services as well as customer segments. The products and services entail deposits and loans. While the performance of customer segments covering Wholesale, small and Medium enterprise (sMe) and Consumer.

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simpanan nasabah merupakan DPk yang berhasil dihimpun oleh MnC Bank yang terdiri dari berbagai produk seperti Giro, Tabungan dan Deposito Berjangka, baik dalam mata uang rupiah maupun valuta asing. Uraian terkait produk simpanan MnC Bank dijabarkan pada tabel berikut ini.

Tabel Jumlah Dana pihak Ketiga | Third Party Funds(dalam Rp juta | in Rp million)

produk 2016 2015perubahan | change

productsRp %

Giro 974,742 1,069,198 (94,456) -8.83% Current accounts

Tabungan 647,786 567,339 80,447 14.18% savings accounts

Deposito berjangka 8,716,879 8,129,990 586,889 7.22% Time Deposits

Total 10,339,407 9,766,527 572,880 5.87% Totalrasio Casa 15.69% 16.76% -1.07% Casa ratio

Jumlah dana pihak ketiga yang dimiliki oleh MnC Bank pada tahun 2016 mencapai rp10.339,41 miliar, meningkat sebesar rp572,88 miliar (5,87%) dibanding tahun 2015. struktur DPk MnC Bank terdiri dari produk Casa (Giro dan Tabungan) dengan komposisi sebesar 15,69% dan Deposito Berjangka sebesar 84,31%. Di tahun 2017, Manajemen terus berupaya meningkatkan porsi dana murah yang berasal dari nasabah ritel dan mengurangi ketergantungan terhadap sumber dana yang berasal dari nasabah korporasi.

gIRoJumlah produk Giro pada akhir tahun 2016 mengalami penurunan sebesar rp94,46 miliar (8,83%) dari rp1.069,19 miliar menjadi rp974,74 miliar. Penurunan ini berasal dari produk giro untuk mata uang valuta asing sebesar 59,46%, sedangkan produk giro rupiah (IDr) mengalami peningkatan sebesar 10,02% dengan kontribusi 87,93% dari jumlah produk giro yang dicapai oleh MnC Bank.

Customer deposits constitutes as third party funds accummulated by MnC Bank which consists of products such as Current accounts, savings accounts and Time Deposits in rupiah and foreign currencies. The following table details the description of MnC Bank’s deposit products.

In 2016, MnC Bank booked a total of rp10,339.41 billion in third party funds, a growth of rp572.88 billion (5.87%) compared to 2015. The MnC Bank’s TPF structure consisted of Casa (Current accounts and savings accounts) that stood at 15.69% and Time Deposits of 84.31%. In 2017, the Management strives to accumulate Casa portions from retail customers and reduce the dependence on funding from corporate customers.

cURRENT AccoUNTSas of the end of 2016, total current accounts decreased by rp94.46 billion (8.83%) from rp1,069.19 billion to rp974.74 billion. The decrease derived from a 59.46% contraction of current accounts in foreign currencies, while current accounts in rupiah grew by 10.02% and contributed 87.93% to the MnC Bank’s total current accounts volume.

PRODuKSIMpANANDeposits

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PRODuK SIMPANANDeposits

Tabel Jumlah Dana produk giro | Total Current accounts(dalam Rp juta | in Rp million)

Keterangan 2016 KomposisiComposition

2015 KomposisiComposition

pertumbuhanGrowth

Description

Giro IDR 857.098 87.93% 779.012 72.86% 10.02% Current Account in IDR Giro Valas 117.644 12.07% 290.186 27.14% -59.46% Current Account in Foreign

CurrencyTotal 974.742 100.00% 1.069.198 100.00% -8.83% Total

TABUNgANJumlah dana tabungan yang berhasil dihimpun oleh MnC Bank mencapai rp647,79 miliar, meningkat sebesar rp80,45 miliar (14,18%) dibanding tahun 2015. Produk tabungan MNC yang meningkat cukup signifikan didominasi oleh Tabungan MnC sebesar rp46,09 miliar dengan kontribusi sebesar 75,26% dari jumlah produk tabungan, disusul dengan peningkatan Tabungan MnC Bisnis sebesar rp10,78 miliar. sedangkan untuk Tabungan MnC lain-lain peningkatan sebesar rp46,87 miliar merupakan gabungan dari berbagai produk tabungan MnC lainnya. Di tahun 2017 diharapkan pertumbuhan produk tabungan MnC akan lebih pesat, mengingat MNC Bank akan meluncurkan aktifitas/layanan baru seperti; Internet Banking Corporate, Virtual Account, eDC Mini aTM, kartu Debit jaringan Bersama dan Prima serta Mobile Banking – phase 2. selain itu MnC Bank juga akan memperkenalkan aplikasi mobile tabungan “punya celengan” untuk segmen nasabah keluarga yang mengandung unsur pendidikan.

Tabel Jumlah Dana produk Tabungan | Total savings Products(dalam Rp juta | in Rp million)

Keterangan 2016 KomposisiComposition

2015 KomposisiComposition

pertumbuhanGrowth

Description

Tabungan MNC 487.499 75.26% 441.409 77.80% 10.44% Tabungan MNC

Tabungan Rencana MNC 28.196 4.35% 27.633 4.87% 2.04% Tabungan Rencana MNC

Tabungan MNC Junior 23.611 3.64% 28.389 5.00% -16.83% Tabungan MNC Junior

Tabungan MNC Program Hadiah

10.864 1.68% 32.238 5.68% -66.30% Tabungan MNC Program Hadiah

Tabungan MNC Bisnis 13.537 2.09% 2.753 0.49% 391.72% Tabungan MNC Bisnis

TabunganKu 8.200 1.27% 5.913 1.04% 38.68% TabunganKu

Tabungan MNC Lain-lain 75.879 11.71% 29.004 5.11% 161.62% Tabungan MNC Lain-lain

Total 647.786 100.00% 567.339 100.00% 14.18% Total

SAVINgS AccoUNTSMnC Bank accumulated a total of rp647.79 billion in savings accounts, a growth of rp80.45 billion (14.18%) compared to 2015. Tabungan MnC, a savings product that rose by Rp46.09 billion, contributed significantly to this growth and to the total savings accounts volume, accounting for 75.26% of this product segment. Tabungan MnC Bisnis followed with a growth of rp10.78 billion and other savings products rose by rp46.87 billion. In 2017, savings accounts are expected to grow more substantially, as MnC Bank plans to launch new activities and services, including Corporate Internet Banking, Virtual accounts, eDC Mini aTMs, Debit Cards connected to the Bersama and Prima aTM networks and Mobile Banking – phase 2. In addition, MnC Bank will also introduce a savings mobile app called “punya celengan” for the family segment, incorporating educational elements in the app.

Tinjauan usaha | Business Review

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Produk kredit MnC Bank berdasarkan segmentasi nasabah terdiri dari Wholesale, Usaha kecil dan Menengah (UkM) dan konsumer. Total kredit yang disalurkan sebesar rp7.994,32 miliar, meningkat sebesar 12,83% dibandingkan tahun 2015 yang sebesar rp7.085,23 miliar.

Uraian kredit yang disalurkan berdasarkan segmentasi nasabah digambarkan pada tabel berikut.

Tabel jumlah kredit yang disalurkan | Total loan Disbursement(dalam rp juta | in rp million)

Segmen nasabah 2016 2015perubahan | Change

customer SegmentRp %

Wholesale 3,707,148 3,154,129 553,019 17.53% Wholesale

UkM 234.199 351,768 (117,569) -33.42% sMe

konsumer 4.052.969 3,579,332 473,637 13.23% Consumer

Jumlah 7,994,316 7,085,229 909,087 12.83% Total

MnC Bank’s loans products by customer segmentation consist of Wholesale, sMe and Consumer loans. In 2016, MnC Bank disbursed a total of rp7,994.32 billion in loans, representing a 12.83% increase from rp7,085.23 billion in 2015.

loan performance by segment is detailed in the following table.

PRODuKKREDITLoans

DEpoSITo Produk Deposito Berjangka tahun 2016 mencapai rp8.716,88 miliar, meningkat sebesar rp586,89 miliar (7,22%) dibanding tahun 2015. Peningkatan tersebut didominasi oleh deposito berjangka rupiah (IDr) sebesar rp605,62 miliar (9,63%), sedangkan deposito berjangka untuk mata uang valuta asing menurun sebesar rp18,73 miliar (1,02%).

Tabel Jumlah Dana produk Deposito Berjangka | Total Time Deposits(dalam rp juta | in rp million)

Keterangan 2016 KomposisiComposition

2015 KomposisiComposition

pertumbuhanGrowth

Description

Deposito IDr 6,895,317 79.10% 6,289,699 77.36% 9.63% Deposito IDr

Deposito Valas 1,821,562 20.90% 1,840,291 22.64% -1.02% Deposito Valas

Total 8,716,879 100.00% 8,129,990 100.00% 7.22% Total

TIME DEpoSITSTime deposits amounted to rp8,716.88 billion in 2016, an increase of rp586.89 billion (7.22%) compared to 2015. The growth was mainly driven by time deposits in rupiah that increased by rp605.62 billion (9.63%), while time deposits in foreign currencies contracted by rp18.73 billion (1.02%).

PRODuK SIMPANANDeposits

Tinjauan usaha | Business Review

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wHoLESALEsegmen bisnis Wholesale menyediakan fasilitas pembiayaan untuk sektor korporasi. Per akhir tahun 2016, penyaluran kredit segmen Wholesale mencapai rp3.707,15 miliar dengan kontribusi sebesar 46,37% dari total kredit yang disalurkan MnC Bank.

USAHA KEcIL DAN MENENgAH (UKM)segmen UkM membukukan penyaluran kredit sebesar rp234,19 miliar dengan kontribusi sebesar 2,93% dari total penyaluran kredit MnC Bank tahun 2016.

KoNSUMERsegmen konsumer merupakan fokus utama bisnis MnC Bank dengan produk utama meliputi Mortgage, Multifinance, kartu kredit dan Implant Banking. setelah proses pengembangan infrastruktur di tahun 2015, pada tahun 2016 segmen konsumer berfokus pada peningkatan penjualan. secara umum, strategi dari bisnis konsumer adalah menyediakan produk yang memiliki nilai lebih dan fitur-fitur menarik kepada nasabah. segmen konsumer juga terus berupaya meningkatkan product awareness dan brand image kepada masyarakat luas dengan cara yang inovatif. kredit segmen konsumer tahun 2016 mencapai rp4.052,97 miliar dengan kontribusi sebesar 50,70% dari total kredit yang disalurkan MnC Bank.

MoRTgAgE | KpRProduk Mortgage berupa kredit pemilikan properti dan kredit konsumsi beragun properti. Pada tahun 2016, total portofolio Mortgage sebesar rp1.086,91 miliar, meningkat 21,79% dibanding tahun 2015 yang sebesar rp892,47 miliar.

Pada tahun 2016, MnC Bank berfokus pada peningkatan penjualan. Hal ini merupakan tahap lanjut setelah pada tahun 2015, MnC Bank berfokus membangun infrastruktur sistem kredit, penambahan direct sales, penyempurnaan soP dan perluasan jaringan pemasaran.

MULTIFINANcE selama tahun 2016, portofolio produk Multifinance telah mencapai rp2.299,57 miliar, meningkat sebesar 15,30% dibanding 2015 yang sebesar rp1.994,51 miliar. Untuk mendorong peningkatan kredit multifinance, MNC Bank melakukan perluasan sektor pembiayaan untuk pembelian kendaraan bermotor, properti, peralatan kedokteran dan mesin-mesin dengan bekerjasama pada MnC Group seperti MnC Finance dan MnC leasing.

wHoLESALEThe Wholesale business segment offers financing facilities for the corporate sector. as of the end of 2016, Wholesale loan disbursement reached rp3,707.15 billion and amounted to 46.37% of the MnC Bank’s total disbursed loans.

SMALL AND MEDIUM ENTERpRISE (SME)The sMe segment booked rp234.19 billion in loans disbursement and accounted for 2.93% of the MnC Bank’s total loans disbursement in 2016.

coNSUMERThe Consumer segment is the MnC Bank’s main business focus with key products consisting of Mortgages, Multifinancing, Credit Cards and Implant Banking. Following infrastructure development in 2015, this segment focused on enhancing sales in 2016. In general, offering products with added values and attractive features to customers has been this segment’s strategy backbone. The Consumer segment also continuously executes innovative ways to increase product and brand image awareness in consumers’ minds. In 2016, Consumer loans disbursement reached a total of rp4,052.97 billion and contributed 50.7% to the total loan disbursement by the MnC Bank.

MoRTgAgES Mortgage products facilitate property ownership and property-backed consumption loans. In 2016, the total Mortgage portfolio amounted to rp1,086.91 billion, a 21.79% increase compared to the rp892.47 billion in 2015.

MnC Bank focused on increasing sales in 2016. as the next step following the focused on building loans system infrastructure, direct sales recruitment, soP improvement and expansion of marketing networks in 2015.

MULTIFINANcE During 2016, the Multifinance portfolio reached rp2,299.57 billion, a 15.3% increase compared to the rp1,994.51 billion in 2015. To drive the growth of multifinance loans, MNC Bank expanded its financing to sectors such as automotive, property, medical equipment and machinery, leveraging its cooperation with MnC Group subsidiaries, e.g. MnC Finance and MnC leasing.

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PRODuK KREDITLoans

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Pada tahun 2016, MnC Bank telah memberikan fasilitas kredit kepada 39 perusahaan multifinance di Indonesia. Fasilitas yang diberikan antara lain fasilitas Joint Financing kendaraan yaitu kerjasama antara MnC Bank dengan perusahaan multifinance dalam pemberian kredit kepada debitur untuk pembelian kendaraan bermotor.

MnC Bank juga menyediakan fasilitas kredit yang diberikan kepada perusahaan multifinance untuk pembiayaan sektor property dan refinancing. selain itu, MnC Bank menyediakan fasilitas Pinjaman rekening koran yang diberikan kepada perusahaan multifinance dalam bentuk rekening Giro yang dapat digunakan sesuai kebutuhan.

Di tahun 2017, MnC Bank melalui Treasury akan mengeluarkan fasilitas baru yaitu Money Market Line (MlM) untuk perusahaan multifinance.

KARTU KREDIT selama tahun 2016, jumlah kartu kredit baru yang diterbitkan MnC Bank mencapai 70 ribu kartu, meningkat 470% dibanding perolehan kartu baru pada 2015. Volume transaksi kartu kredit pada periode tersebut mencapai rp435 miliar, naik sebesar 430% dibanding pencapaian 2015. Baki debet kartu kredit pada 2016 mencapai rp204,28 miliar, naik sebesar rp146,85 miliar (255,68%) dibanding baki debet 2015 yang hanya sebesar rp57,43 miliar.

Pertumbuhan kartu kredit pada tahun 2016 diikuti dengan kualitas portfolio kredit yang mengalami perbaikan sebesar 1,16% dibandingkan 2015. MnC Bank akan terus meningkatkan pertumbuhan kartu kredit baru dengan target pertumbuhan diatas 100 ribu kartu per tahun. Jumlah pemegang kartu kredit MnC Bank ditargetkan sebesar 200 ribu nasabah.

In 2016, MnC Bank granted loan facilities to 39 multifinance companies in Indonesia. The facilities among others included Joint Financing for auto vehicles, which is a cooperation between the MnC Bank and multifinance companies in providing loans and financing to debtors for auto vehicles purchasing.

MNC Bank also provided loan facilities to multifinance companies for property and refinancing. In addition, MnC Bank provided overdraft loans facility to multifinance companies disbursed through current accounts that can be used according to their requirements.

In 2017, MnC Bank through Treasury will launch a Money Market Line (MML), a new facility for multifinance companies.

cREDIT cARDSDuring 2016, MnC Bank issued 70,000 new credit cards, a surge of 470% compared to 2015. The volume of credit card transactions during the year reached rp435 billion, a growth of 430% compared to 2015. The outstanding loans from credit cards in 2016 amounted to rp204.28 billion, an increase of rp146.85 billion (255.68%) from rp57.43 billion in 2015.

Credit card growth in 2016 was followed with quality credit portfolio that improved by 1.16% from 2015. MnC Bank will continue to enhance the growth of new credit card and targets of more than 100,000 new cards per year. MnC Bank aims to have an additional 200,000 cardholders. The target market segment focuses on the young family segment which will highlights a

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PRODuK KREDITLoans

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segmen pasar yang disasar adalah segmen keluarga muda, dengan pendekatan produk yang menggunakan pendekatan digital banking seperti peluncuran kartu “Motion” dan peluncuran aplikasi mobile “Punyakartu” yang digunakan sebagai sarana informasi dan interaksi real time antara Perseroan dengan pengguna kartu kredit MnC Bank.

Pada tahun 2017, MnC Bank berencana untuk menerbitkan beberapa produk kartu kredit baru seperti Ladys Card untuk segmen wanita dan segmen korporasi. selain itu, Perseroan tetap akan melanjutkan sinergi dengan Group usaha MnC seperti kerjasama dengan Indovision, MnC Travel, MnC shop, Mr. aladin dan juga Movie Bay. kerjasama dengan MnC Group diharapkan akan memberikan keuntungan kepada kedua belah pihak.

IMpLANT BANKINgMerupakan program penyaluran kredit konsumsi yang diberikan kepada karyawan melalui kerja sama dengan perusahaan atau koperasi yang terafiliasi langsung. Produk Implant Banking meliputi kredit multiguna tanpa agunan, program kepemilikan kendaraan bermotor dan kredit kepemilikan rumah.

pANgSA pASARkinerja MnC Bank dalam perolehan aset, DPk dan kredit serta rasio-rasio keuangan dalam industri (Bank Umum) adalah sebagai berikut :

Tabel Kinerja pertumbuhan Bank dibanding Rata-Rata Industri Bank’s Performance Growth versus Industry average(dalam rp triliun | in rp trillion)

Uraian 2016 2015 2014 Description

aset

Industri 6,729.80 6,132.58 5,615.15 Industry

assetsMnC Bank 13.06 12.14 9.43 MnC Bank

Pangsa pasar 0.19% 0.20% 0.17% Market share

Dana Pihak ketiga

Industri 5,399.21 4,413.06 4,114.42 IndustryThird Party

FundsMnC Bank 10.34 9.77 7.73 MnC Bank

Pangsa pasar 0.19% 0.22% 0.19% Market share

kredit

Industri 6,570.90 4,092.10 3,674.31 Industry

loansMnC Bank 7.99 7.09 6.26 MnC Bank

Pangsa pasar 0.12% 0.17% 0.17% Market share

digital banking approach, such as the launching of the “Motion” card and the “Punyaku” mobile apps that can provide real time information and interaction between MnC Bank and it’s cardholders.

In 2017, MnC Bank is planning to issue several new credit card products, such as ladys Card for female segment and corporate segment. In addition, MnC Bank will continue to synergize with other businesses under the MnC Group, such as Indovision, MnC Travel, MnC shop, Mr. aladin and Movie Bay. The partnership with the MNC Group is expected to benefit both parties.

IMpLANT BANKINgImplant banking is consumer loans for employees that are disbursed through directly affiliated companies or cooperatives. Products under implant banking include unsecured multipurpose loans, auto vehicles ownership loans and mortgage loans.

MARKET SHAREThe MnC Bank’s performance in terms of assets, Third Party Funds, Loans and financial ratios compared to the industry (Commercial Banks) is as follows:

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PRODuK KREDITLoans

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perbandingan Rasio Keuangan dengan Rata-rata IndustriFinancial ratio versus Industry average

Car Industri 22.93% 21.39% 19.57% Industry Car

MnC Bank 19.54% 17.83% 17.79% MnC Bank

BoPo Industri 82.22% 81.49% 76.29% Industry BoPo

MnC Bank 95.61% 98.97% 108.54% MnC Bank

roa Industri 2,23% 2.32% 2.85% Industry roa

MnC Bank 0.11% 0.10% (0.82%) MnC Bank

lDr Industri 90.70% 92.11% 89.42% Industry lDr

MnC Bank 77.20% 72.29% 80.35% MnC Bank

sumber: laporan keuangan audited MnC Bank per 31 Desember 2016 dan oJk: statistik Perbankan Indonesia Desember 2016, diolah.

pANgSA pASAR BERDASARKAN ASETPada tahun 2016, pangsa pasar aset MnC Bank sebesar 0,19% terhadap total aset perbankan. MnC Bank terus berupaya untuk meningkatkan pangsa pasar aset dengan strategi bisnis yang telah ditetapkan.

pANgSA pASAR BERDASARKAN DANA pIHAK KETIgAPad tahun 2016, pangsa pasar DPk MnC Bank tercatat sebesar 0,19% dengan tren meningkat. MnC Bank memiliki kebijakan untuk memperbesar rasio dana murah dalam struktur pendanaan dan terus berupaya meningkatkan pangsa DPk dalam industri perbankan.

pANgSA pASAR BERDASARKAN KREDITPada tahun 2016, pangsa pasar penyaluran kredit MnC Bank sebesar 0,12% terhadap total penyaluran kredit perbankan. MnC Bank menetapkan segmen konsumer sebagai fokus dalam menyalurkan kredit didukung segmen komersial dan korporasi.

source: audited Financial statements of MnC Bank as of 31 December 2016 and the oJk: Indonesia Banking statistics December 2016 being processed.

MARKET SHARE BASED oN ASSETSIn 2016, the MnC Bank’s market share was 0.19% of the total banking assets. The MnC Bank continuously strives to increase its asset market share by implementing a focus on its set business strategies.

MARKET SHARE BASED oN THIRD pARTY FUNDSThe MnC Bank’s third party funds market share in 2016 stood at 0.19% with increasing trend. MnC Bank has a policy to increase the low-cost fund ratio in the funding structure and strives to increase a TPF market share in the banking industry.

MARKET SHARE BASED oN LoANSIn 2016, the MnC Bank’s lending occupied a 0.12% market share of total banking loans. MnC Bank has identified the Consumer segment as its main focus in lending, supported by the Commercial and Corporate segments.

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PANGSA PASARMarket Share

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PANGSA PASARMarket Share

pERBANDINgAN RASIo KEUANgAN DENgAN RATA-RATA INDUSTRIPada tahun 2016, MnC Bank memiliki rasio Car sebesar 19,54%, dengan trend meningkat dari tahun 2014, rasio Car MnC Bank jauh di atas ketentuan minimal Car yang ditetapkan oleh regulator perbankan. Jumlah Car juga terus meningkat dalam tiga tahun terakhir mencerminkan semakin kokohnya permodalan MnC Bank dalam mendukung rencana bisnis perusahaan.

BoPo MnC Bank sebesar 95,61%, masih relatif lebih tinggi rata-rata industri perbankan yang sebesar 82,22%. Meski tingkat efisiensinya dibawah industri namun rasionya terus membaik dalam tiga tahun terakhir. Hal ini mencerminkan pengelolaan operasional yang semakin efisien.

roa sebagai indikator imbal hasil terhadap aset MnC Bank terus meningkat dalam tiga terakhir, dimana pada tahun 2016 tercatat sebesar 0,11%.

Peran intermediari MnC Bank (lDr) sebesar 77,20%, masih dibawah industri yang sebesar 90,70%. Meski demikian, peran intermediari MnC Bank semakin meningkat dalam tiga tahun terakhir.

FINANcIAL RATIo coMpARISoN To INDUSTRY AVERAgEThe MnC Bank’s Car in 2016 stood at 19.54% with increasing trend since 2014. MnC Bank’s Car was above the minimum requirement set by banking regulators. The total Car has also been exhibiting a positive trend in the last three years, which reflected the MnC Bank’s stronger capital to support business plans.

The operating Cost to operating Income (BoPo) ratio was 95.61%, still relatively higher than the industry average of 82.22%. Despite a lower efficiency rate, the BoPo has been declining in the last three years, indicating that the MNC Bank’s operational efficiency has been improving.

as an indicator of return, MnC Bank’s roa has been in an upward trend in the past three years and stood at 0.11% in 2016.

The MnC Bank’s intermediary role (lDr) performed at 77.2%, below the industry average of 90.7%. nevertheless, the MnC Bank’s lDr has been improving in the last three years.

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TINJAuAN KEUANgANFINANCIAL REVIEw

Sepanjang tahun 2016, MNc Bank mencatat pertumbuhan aset sebesar Rp920,55 miliar (7,58%), meningkat dari Rp12.137 miliar menjadi Rp13.057,55 miliar. In 2016, MNC Bank recorded asset growth of Rp920.55 billion (7.58%) from Rp12,137 billion to Rp13,057.55 billion.

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TINJAuAN KEuANGANFinancial Review

analisa dan Pembahasan Manajemen mengenai tinjauan keuangan berikut disusun berdasarkan laporan keuangan MnC Bank untuk tahun yang berakhir 31 Desember 2016 dan 2015 yang telah diaudit oleh kantor akuntan Publik satrio Bing eny & rekan (anggota Deloitte Touche Tohmatsu limited) sesuai dengan laporan auditor Independen no.Ga117 0074 BMnC MlY tanggal 2 Maret 2017 dengan pendapat wajar, dalam semua hal yang material, posisi keuangan PT Bank MnC Internasional Tbk tanggal 31 Desember 2016, serta kinerja keuangan dan arus kasnya untuk tahun yang berakhir pada tanggal tersebut, sesuai dengan standar akuntansi keuangan di Indonesia.

laporan keuangan MnC Bank juga disampaikan dalam bab terakhir laporan Tahunan ini.

LApoRAN poSISI KEUANgAN

(dalam rp juta | in rp million)

Laporan posisi Keuangan 2016 2015

perubahan | Change Statements of Financial positionRp %

Aset Assetsaset keuangan 12,595,337 11,774,000 821,337 6.98% Financial assets

aset non keuangan 462,213 363,004 99,209 27.33% non-Financial assets

Total Aset 13,057,549 12,137,004 920,545 7.58% Total AssetsLiabilitas Liabilitiesliabilitas keuangan 11,061,534 10,306,302 755,232 7.33% Financial liabilities

liabilitas non keuangan 135,610 122,498 13,112 10.70% non-Financial liabilities

Total Liabilitas 11,197,144 10,428,800 768,344 7.37% Total LiabilitiesTotal Ekuitas 1,860,405 1,708,204 152,201 8.91% Total EquityTotal Liabilitas Dan Ekuitas 13,057,549 12,137,004 920,545 7.58% Total Liabilities and Equity

The following financial review was prepared based on the Financial statements of MnC Bank for the years ended on 31 December 2016 and 2015 which has been audited by the Public accountant Firm satrio Bing eny & Rekan (a member firm of Deloitte Touche Tohmatsu limited) in accordance with the report of Independent auditor no.Ga117 0074 BMnC MlY dated 2 March 2017 with an unqualified opinion for all material aspects, the financial position of PT Bank MNC Internasional Tbk on 31 December 2016, financial performance and cash flows for the years ended on the respective dates. The financial statements are presented in compliance with Financial accounting standards applicable in Indonesia.

The Financial statements of MnC Bank is attached at the last chapter of this annual report.

STATEMENTS oF FINANcIAL poSITIoN

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TINJAuAN KEuANGANFinancial Review

ASETsepanjang tahun 2016, MnC Bank mencatat pertumbuhan aset sebesar rp920,55 miliar (7,58%), meningkat dari rp12.137 miliar menjadi rp13.057,55 miliar. Peningkatan tersebut berasal dari peningkatan asset keuangan sebesar rp821,34 miliar (6,98%) dan aset non keuangan sebesar rp99,21 miliar (27,33%).

(dalam rp juta | in rp million)

Aset Keuangan 2016 2015perubahan | Change

Financial AssetsRp %

kas 144,975 108,955 36,020 33.06% Cash

Giro pada Bank Indonesia 761,639 812,623 (50,984) -6.27%Demand Deposits with

Bank Indonesia

Giro pada Bank lain - Pihak ketiga

292,470 1,266,474 (974,004) -76.91%Demand Deposits with

other Banks – Third Parties

Penempatan pada BI dan Bank lain

Placements with BI and

other banks

- Pihak ketiga 1,984,523 1,335,254 649,269 48.63% Third Parties

efek-efek Pihak ketiga - Bersih

1,375,817 1,173,954 201,863 17.20%securities-Third Parties

– net

Tagihan Derivatif - Pihak ketiga

4,842 8,241 (3,399) -41.24%receivables – Third

Parties

kredit - Bersih 7,941,795 7,047,265 894,530 12.69% loans - net

Tagihan akseptasi - Pihak ketiga

89,276 21,234 68,042 320.44%acceptance receivables

–Third Parties

Jumlah 12,595,337 11,774,000 821,337 6.98% Total

Aset Keuanganaset keuangan MnC Bank tahun 2016 mencapai rp12.595,34 miliar atau meningkat sebesar rp821,34 miliar (6,98%) year on year. Peningkatan aset keuangan ini ditopang dari aktivitas produktif seperti penyaluran kredit, penempatan pada Bank Indonesia dan bank lain serta transaksi efek-efek yang tumbuh positif.

Kaskas MnC Bank meningkat sebesar rp36,02 miliar (33,06%) dari rp108,95 miliar menjadi rp144,97 miliar yang sebagian besar dalam mata uang rupiah. Peningkatan kas ini terutama dipicu dari aktivitas pendanaan.

ASSETSThroughout 2016, MnC Bank recorded asset growth of rp920.55 billion (7.58%), up from rp12,137 billion to rp13,057.55 billion. The growth was driven by growth in financial assets of Rp821.34 billion (6.98%) and in non-financial assets of Rp99.21 billion (27.33%).

Financial AssetsIn 2016, the MNC Bank’s financial assets reached rp12,595.34 billion, an increase of rp821.34 billion (6.98%) year-on-year. The increase derived mainly from positive growth across productive activities, such as loans, placements with Bank Indonesia and other banks and securities transactions.

cashThe MnC Bank’s cash grew by rp36.02 billion (33.06%) from rp108.95 billion to rp144.97 billion, which mostly in Indonesian rupiah. The growth in cash was primarily contributed by funding activities.

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TINJAuAN KEuANGANFinancial Review

penempatan pada Bank Indonesia dan Bank LainPenempatan pada Bank Indonesia dan Bank lain meningkat sebesar rp649,27 miliar (48,63%) dari rp1.335,25 miliar menjadi rp1.984,52 miliar. Penempatan pada Bank ini terdiri dari FasBI, call money, sertifikat deposito dan SBI.

Efek-efek pihak Ketigaefek-efek pihak ketiga meningkat sebesar rp201,86 miliar (17,20%) dari rp1,173.95 miliar menjadi rp1,375.82 miliar. efek-efek yang dimiliki berupa obligasi Pemerintah Indonesia, obligasi pihak swasta, reksa dana dan surat utang jangka menengah. efek-efek ini ada yang dimiliki hingga jatuh tempo, diperdagangkan, maupun tersedia untuk dijual.

KreditMnC Bank mencatat pertumbuhan kredit sebesar rp909,09 miliar (12,83%) dari rp7.085,23 miliar menjadi rp7.994,32 miliar. Berdasarkan jenisnya, porsi kredit terbesar adalah kredit Modal kerja yang mencapai rp4.069,17 miliar dengan komposisi sebesar 50,90% dari jumlah kredit. sementara untuk pertumbuhan terbesar berasal dari kredit Investasi yang meningkat sebesar rp345,89 miliar (39,14%).

(dalam rp juta | in rp million)

Kredit berdasarkan jenis pinjaman 2016 2015 growth (%) Loans based on types of

borrowingskredit loans

Modal kerja 4,069,172 3,934,040 3.43% Working Capital

konsumsi 1,592,823 1,334,151 19.39% Consumption

Investasi 1,229,602 883,710 39.14% Investments

Pinjaman sindikasi 1,061,859 895,744 18.54% syndicated loans

Pinjaman karyawan 40,860 37,582 8.72% employee loans

Jumlah 7,994,316 7,085,227 12.83% Total

Cadangan kerugian penurunan nilai

(52,521) (37,962) 38.35% allowance for impairment losses

Jumlah Kredit - Bersih 7,941,795 7,047,265 12.69% Total Loans - Net

placements with Bank Indonesia and other BanksPlacements with Bank Indonesia and other Banks grew by rp649.27 billion (48.63%) from rp1,335.25 billion to rp1,984.52 billion. This placements consisted of FasBI (an overnight deposit facility), call money, deposit certificates and Bank Indonesia Certificates (SBI).

Third party SecuritiesThird party securities increased by rp201.86 billion (17.20%) from rp1,173.95 billion to rp1,375.82 billion. The securities consisted of Indonesian Government Bonds, corporate Bonds, mutual funds and medium-term bonds. The securities are classified as held to maturity, traded securities and available for sale.

LoansMnC Bank booked loan growth of rp909.09 billion (12.83%) from rp7,085.23 billion to rp7,994.32 billion. By type, loans were mostly disbursed as Capital Working loans, amounting to rp4,069.17 billion and accounting for 50.9% of total loans. The most significant growth, however, derived from Investment loans, which posted an increase of rp345.89 billion (39.14%).

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TINJAuAN KEuANGANFinancial Review

(dalam rp juta | in rp million)

Aset Non Keuangan 2016 2015perubahan

Change Non Financial AssetsRp %

Biaya dibayar di muka 98,432 44,963 53,469 118.92% Prepaid expenses

aset tidak lancar yang dimiliki non-current assets held

untuk dijual 2,407 - 2,407 na for sale

aset Tetap - Bersih 54,151 50,041 4,110 8.21% Premises and equipment-net

aset Pajak Tangguhan - Bersih 59,075 63,028 (3,953) -6.27% Deferred tax assets- net

aset Tak Berwujud - Bersih 19,327 10,933 8,394 76.78% Intangible assets-net

aset lain-lain - Bersih 228,820 194,039 34,781 17.93% other assets-net

Jumlah 462,213 363,004 99,209 27.33% Total

Aset Non-Keuanganaset non keuangan MnC Bank meningkat sebesar rp99,21 miliar (27,33%) dari rp363 miliar menjadi rp462,21 miliar. Peningkatan aset non keuangan terutama dikontribusi dari biaya dibayar dimuka yang tumbuh sebesar rp53,47 miliar (118,92%) dengan komponen terbesar berasal dari akuisisi kartu kredit. aset lain-lain bersih meningkat sebesar rp34,78 miliar (17,93%) yang dikontribusi dari kenaikan biaya yang ditangguhkan (deferred charges) yang merupakan biaya pengembangan sistem dan aplikasi yang dikeluarkan oleh MnC Bank dan masih dalam proses pekerjaan. aset tak berwujud yang merupakan perangkat lunak komputer juga mengalami peningkatan sebesar rp8,39 miliar (76,78%).

LIABILITASPada tahun 2016, total liabilitas MnC Bank meningkat sebesar rp768,34 miliar (7,37%) dari rp10.428,80 miliar menjadi rp11.197,14 miliar. Peningkatan tersebut berasal dari peningkatan liabilitas keuangan sebesar rp755,23 miliar (7,33%) dan liabilitas non keuangan sebesar rp13,11 miliar (10,70%).

(dalam rp juta | in rp million)

Liabilitas Keuangan 2016 2015perubahan | Change

Financial LiabilitiesRp %

liabilitas segera 32,018 14,122 17,896 126.72% liabilities payable immediately

simpanan 10,339,407 9,766,527 572,880 5.87% Deposits

simpanan dari Bank lain Deposits from other banks

- Pihak ketiga 507,316 500,705 6,611 1.32% Third parties

Non-Financial AssetsThe MNC Bank’s non-financial assets grew by Rp99.21 billion (27.33%) from rp363 billion to rp462.21 billion. This growth was mainly contributed to by a rp53.47 billion increase (118.92%) in prepaid expenses, largely from credit card acquisitions. other assets-net rose by rp34.78 billion (17.93%) driven by an increase in deferred charges, which refer to system and application development expenses of MnC Bank and were still under development. Intangible assets, consisting of computer software products, also rose by rp8.39 billion (76.78%).

LIABILITIESIn 2016, the MnC Bank’s total liabilities rose by rp768.34 billion (7.37%) from rp10,428.80 billion to rp11,197.14 billion. The increase was mainly driven by an increase in financial liabilities of Rp755.23 billion (7.33%) and in non-financial liabilities of Rp13.11 billion (10.70%).

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Liabilitas Keuangan 2016 2015perubahan | Change

Financial LiabilitiesRp %

liabilitas Derivatif - Pihak ketiga

3,576 3,714 (138) -3.72% Derivative payables – third parties

liabilitas atas efek-efek yang dijual

Payables from securities sold with the

dengan janji dibeli kembali 89,941 - 89,941 na agreement to repurchase

liabilitas akseptasi - Pihak ketiga

89,276 21,234 68,042 320.44% acceptances payable– third parties

Jumlah 11,061,534 10,306,302 755,232 7.33% Total

Liabilitas Keuangan MnC Bank mencatat pertumbuhan liabilitas keuangan sebesar rp755,23 (7,33%) dari rp10.306,30 miliar menjadi rp11.061,53 miliar. Peningkatan ini terutama berasal dari simpanan nasabah yang meningkat sebesar rp572,88 miliar (5,87%), dengan kenaikan terbesar pada produk deposito berjangka. selain itu peningkatan liabilitas keuangan yang cukup signifikan juga terdapat pada liabilitas segera, efek-efek repo dan liabilitas akseptasi.

(dalam rp juta | in rp million)

Liabilitas Non Keuangan 2016 2015perubahan

Change Non Financial LiabilitiesRp %

Utang Pajak 12,727 13,760 (1,033) -7.51% Taxes payable

liabilitas Imbalan Pasca kerja 47,997 37,331 10,666 28.57% Employee benefits obligation

Beban yang masih harus dibayar 64,365 62,865 1,500 2.39% accruals

liabilitas lain-lain 10,521 8,542 1,979 23.17% other liabilities

Jumlah 135,610 122,498 13,112 10.70% Total

Liabilitas Non Keuangan liabilitas non keuangan meningkat sebesar rp13,11 miliar (10,70%) dari rp122,49 miliar menjadi rp135,61 miliar. Peningkatan ini terutama berasal dari liabilitas imbalan pasca kerja yang meningkat sebesar rp10,67 miliar (28,57%) dari rp37,33 miliar menjadi rp47,99 miliar. Beban yang masih harus dibayar dan liabilitas lain-lain juga mengalami kenaikan masing-masing sebesar 2,39% dan 23,17%.

Financial LiabilitiesMnC Bank posted a rp755.23 billion (7.33%) growth of financial liabilities from Rp10,306.3 billion to rp11,061.53 billion. The increase was mainly driven by third party deposits that grew by rp572.88 billion (5.87%), with time deposits contributing the largest increase. Other significant increases of financial liabilities were contributed to by liabilities payable immediately, repo securities and acceptances payable.

Non-Financial LiabilitiesNon-financial liabilities rose by Rp13.11 billion (10.7%) from rp122.49 billion to rp135.61 billion. The increase was mainly driven by employee benefit obligations that rose by rp10.67 billion (28.57%) from rp37.33 billion to rp47.99 billion. accruals and other liabilities also rose by 2.39% and 23.17%, respectively.

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EKUITAS

(dalam rp juta | in rp million)

Ekuitas 2016 2015perubahan

Change EquityRp %

Modal saham 2,058,147 1,912,957 145,190 7.59% Capital stock

Tambahan Modal Disetor - Bersih

720 3,555 (2,835) -79.75% additional paid-in capital-net

laba (rugi) komprehensif lain (6,720) (7,217) 497 6.89%other comprehensive income

(loss)

saldo laba (rugi) (191,741) (201,091) 9,350 4.65% retained earnings (loss)

Total 1,860,406 1,708,204 152,202 8.91% Total

Total ekuitas MnC Bank meningkat sebesar rp152,20 miliar (8,91%) dari rp1.708,20 miliar menjadi rp1.860,40 miliar. Peningkatan ekuitas terutama berasal dari modal saham yang naik sebesar rp145,19 miliar (7,59%) hingga mencapai rp2.058,15 miliar. Hal ini merupakan hasil dari pelaksanaan Penawaran Umum Terbatas V Perseroan ditahun 2016.

LApoRAN LABA RUgI DAN pENgHASILAN KoMpREHENSIF LAIN

(dalam rp juta | in rp million)

Laporan Laba Rugi dan penghasilan Komprehensif Lain

2016

2015

perubahan Change

Statements of Profit or Loss and other comprehensive

IncomeRp %Pendapatan operasional 492,269 359,261 133,008 37.02% operating income

- Pendapatan Bunga Bersih 366,854 287,107 79,747 27.78% net interest income

- Pendapatan operasional lainnya

125,415 72,154 53,261 73.82% other operating income

Beban operasional 439,511 348,314 91,197 26.18% operating expenses

- Beban kerugian Penurunan nilai

29,879 4,521 25,358 560.89% Provision for impairment losses

- Beban operasional lainnya 409,632 343,793 65,839 19.15% other operating expenses

laba (rugi) operasional 52,758 10,947 41,811 381.95% operating Income (loss)

Pendapatan (Beban) non operasional

(39,623) 241 (39,864) nanon-operating Income

(expenses)

Laba (rugi) sebelum pajak 13,135 11,188 1,947 17.40% Profit (loss) before taxManfaat (beban) pajak (3,786) (3,010) (776) -25.78% Tax benefits (expenses)

Laba (rugi) bersih tahun berjalan 9,349 8,178 1,171 14.32% Net profit (loss) for the yearPenghasilan komprehensif lain 497 59,892 (59,395) -99.17% other comprehensive income

Jumlah Laba (rugi) komprehensif 9,846 68,070 (58,224) -85.54% Total comprehensive income

(loss)

EQUITY

The MnC Bank’s total equity grew by rp152.2 billion (8.91%) from rp1,708.2 billion to rp1,860.4 billion. The increase in equity primarily derived from capital stocks that grew by rp145.19 billion (7.59%) to rp2,058.15 billion, following the exercise of rights Issue V in 2016.

STATEMENTS oF pRoFIT oR LoSS AND oTHER coMpREHENSIVE INcoME

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Laporan Laba Rugi dan penghasilan Komprehensif Lain

2016

2015

perubahan Change

Statements of Profit or Loss and other comprehensive

IncomeRp %laba per saham earnings per share

Dasar 0.51 0.61 (0.10) -16.39% Basic

Dilusian 0.47 0.57 (0.10) -17.54% Diluted

pendapatan Bunga Bersih MnC Bank berhasil mencatat pertumbuhan pendapatan bunga bersih pada tahun 2016 sebesar rp79,75 miliar (27,78%) yoy, dari rp287,11 miliar menjadi rp366,85 miliar. Hal ini disebabkan kenaikan pendapatan bunga sebesar rp110,03 miliar (11,58%) dari rp950,52 miliar menjadi rp1.060,55 miliar. komponen pendapatan bunga dari aset produktif seluruhnya berkontribusi positif dalam meningkatkan pendapatan bunga. Peningkatan terbesar berasal dari kredit yang disalurkan mencapai rp867,29 miliar, naik sebesar rp76,82 miliar (9,72%) dari tahun 2015 yang sebesar rp790,47 miliar. Pendapatan bunga dari efek-efek meningkat sebesar rp22,49 miliar (29,61%) dari rp75,95 miliar menjadi rp98,44 miliar. selain itu pendapatan bunga dari penempatan pada bank juga mengalami peningkatan sebesar rp7,18 miliar (11,01%) dari rp65,22 miliar menjadi rp72,39 miliar. sementara beban bunga selama tahun 2016 meningkat sebesar rp30,28 miliar (4,56%) dari rp663,41 miliar menjadi rp693,69 miliar. komponen beban bunga yang mengalami kenaikan berasal dari simpanan nasabah dan simpanan dari bank lain.

(dalam rp juta | in rp million)

pendapatan Bunga Bersih 2016 2015perubahan

Change Net Interest IncomeRp %

pendapatan Bunga 1,060,551 950,521 110,030 11.58% Interest Income - Pinjaman yang diberikan dan

piutang942,054 859,397 82,657 9.62% - loans and receivables

- efek-efek 98,444 75,954 22,490 29.61% - securities

- Provisi dan komisi kredit 20,053 15,170 4,883 32.19% Provisions and credit fees -

Beban Bunga 693,697 663,414 30,283 4.56% Interest Expenses - simpanan 633,162 620,371 12,791 2.06% - Deposits

- simpanan dari Bank lain 35,764 13,519 22,245 164.55% - Deposits from other banks

- lainnya 4,745 11,942 (7,197) -60.27% - others

- Provisi dan komisi yang dibayar 20,026 17,582 2,444 13.90% - Provisions and fees

Jumlah 366,854 287,107 79,747 27.78% Total

Net Interest IncomeIn 2016, MnC Bank successfully posted a rp79.75 billion (27.78%) year-on-year growth of net interest income, from rp287.11 billion to rp366.85 billion. This was mainly driven by a rp110.03 billion (11.58%) increase in interest income, from rp950.52 billion to rp1.060.55 billion. all interest income from productive assets contributed positively to growth of interest income. Interest income from loans of rp867.29 billion posted the highest growth of rp76.82 billion (9.72%) from rp790.47 billion in 2015. Interest income from securities grew by rp22.49 billion (29.61%) from rp75.95 billion to rp98.44 billion. In addition, interest income from placements with banks also rose by rp7.18 billion (11.01%) from rp65.22 billion to rp72.39 billion. Meanwhile, interest expenses in 2016 increased by rp30.28 billion (4.56%) from rp663.41 billion to rp693.69 billion. Increase in interest expenses was contributed by third party deposits and deposits from other banks.

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pendapatan operasional LainnyaPendapatan operasional lainnya meningkat rp53,26 miliar (73,82%) dari rp72,15 miliar menjadi rp125,42 miliar. seluruh komponen pendapatan operasional lainnya mengalami kenaikan, kontribusi terbesar diperoleh dari penerimaan kembali kredit yang dihapus buku yang mengalami peningkatan sebesar rp23,53 miliar (263,14%), disusul oleh peningkatan dari pendapatan transaksi valuta asing, transaksi efek-efek dan pendapatan lain-lain.

(dalam rp juta | in rp million)

pendapatan operasional Lainnya 2016 2015

perubahan Change other operating Income

Rp %pendapatan operasional Lainnya other operating Income

Pendapatan transaksi valuta asing - Bersih

22,939 13,039 9,900 75.93%Gain on foreign exchange

transacions – net

keuntungan bersih penjualan efek

8,904 2,826 6,078 215.11% net gain on sale of securities

Provisi dan komisi selain kredit - Bersih

19,185 16,278 2,907 17.86%Commissions and fees from

transactions other than loans – net

Penerimaan kembali kredit yang dihapusbuku

32,465 8,940 23,525 263.14%recovery of loans previously

written-off

keuntungan (kerugian) yang belum direalisasi dari efek-efek yang diperdagangkan

2,322 (2,520) 4,842 192.15%Unrealized gain (losses) from

trading securities

lain-lain 39,600 33,591 6,009 17.89% others

Total 125,415 72,154 53,261 73.82% Total

Beban operasionalBeban operasional MnC Bank meningkat sebesar rp91,19 miliar (26,18%) dari rp348,31 miliar menjadi rp439,51 miliar. Peningkatan beban operasional disebabkan peningkatan beban kerugian penurunan nilai aset keuangan sebesar rp34,82 miliar dan pemulihan kerugian penurunan nilai aset non keuangan sebesar rp9,46 miliar. selain itu beban operasional lainnya yang terdiri dari beban umum dan administrasi, beban tenaga kerja, beban pensiun dan imbalan pasca kerja serta beban lainnya mengalami peningkatan sebesar rp65,84 miliar (19,15%), hal ini terutama untuk membiayai pengembangan infrastruktur, jaringan distribusi, pengembangan sDM serta pengembangan bisnis.

other operating Income other operating income grew by rp53.26 billion (73.82%) from rp72.15 billion to rp125.42 billion. all items under operating income grew. recovery of written-off loans was the largest contributor with an increase amounting to rp23.53 billion (263.14%), followed with an increase in gains from foreign exchange transactions, sales of securities and other income.

operating ExpensesThe MnC Bank’s operating expenses rose by rp91.19 billion (26.18%) from rp348.31 billion to rp439.51 billion. The increase in operating expenses was due to an increase in provisions for impairment losses of financial assets by Rp34.82 billion and a reversal of provisions for impairment losses of non-financial assets by rp9.46 billion. In addition, other operating expenses that consisted of general and administration expenses, personnel expenses, pension expenses, employee benefits and other expenses increased by Rp65.84 billion (19.15%). This was due to financing of infrastructure development, distribution network expansion, human resource development and business development.

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(dalam rp juta | in rp million)

Beban operasional 2016 2015perubahan

Change operating ExpensesRp %

Beban operasional operating ExpensesBeban (pemulihan) kerugian penurunan nilai

29,878 4,521 25,357 560.88%Provision for (reversal of

provision) for impairment losses

- aset keuangan 39,880 5,061 34,819 687.98% - Financial assets

- aset non keuangan (10,001) (540) (9,461) na - Non-financial assets

Beban operasional lainnya 409,632 343,793 65,839 19.15% other operating expenses

- Beban Umum dan administrasi

179,549 150,937 28,612 18.96%- General and administrative

expense

- Beban Tenaga kerja 194,298 165,588 28,710 17.34% - Personnel expense

- Beban Pensiun dan Imbalan Pasca kerja

14,611 11,009 3,602 32.72% - Pension and employee benefits

- Beban lainnya 21,173 16,259 4,914 30.22% - other expenses

Jumlah 439,510 348,314 91,196 26.18% Total

Laba operasionalMNC Bank berhasil mencatat pertumbuhan signifikan laba operasional sebesar rp41,81 miliar (381,94%) dari rp10,95 miliar menjadi rp52,76 miliar. Hal ini tidak lepas dari strategi bisnis MnC Bank yang berfokus pada sektor konsumer dan ritel dengan didukung sektor komersial dan korporasi sehingga pendapatan operasional MnC Bank meningkat cukup baik.

Jumlah Laba Komprehensif laba komprehensif MnC Bank tahun 2016 tercatat menurun rp58,22 miliar (85,54%) dari rp68,07 miliar menjadi rp9,85 miliar. Penurunan terutama terjadi pada pos perubahan nilai wajar efek tersedia untuk dijual dari rp73,92 miliar di tahun 2015 menjadi rp5,25 miliar.

(dalam rp juta | in rp million)

Laba (Rugi) Komprehensif 2016 2015perubahan

Change comprehensive Income (Loss)Rp %

penghasilan Komprehensif Lain other comprehensive Income

Pos Yang Tidak akan Direklasifikasi Ke Laba Rugi

(3,436) 4,455 (7,891) -177.12% Item that will not be reclassified subsequently to Profit or loss

- Pengukuran kembali atas kewajiban Imbalan Pasti

(4,581) 5,940 (10,521) -177.12% - Remeasurement of defined benefits obligation

- Pajak Penghasilan Terkait Pos Yang Tidak akan Direklasifikasi Ke Laba Rugi

1,145 (1,485) 2,630 177.12% - Income tax relating to item that will not be Reclassified

subsequently to profit or loss

operating IncomeMNC Bank was able to post a significant growth in operating income of rp41.81 billion (381.94%) from rp10.95 billion to rp52.76 billion. This success was contributed by the MnC Bank’s business strategy, which focused on the consumer and retail sectors, supported by the commercial and corporate sectors that ultimately led to solid growth of operating income.

Total comprehensive Income The MnC Bank’s comprehensive income in 2016 decreased by rp58.22 billion (85.54%) from rp68.07 million to rp9.85 billion. The changes in fair value of available for sale securities had the largest decrease from rp73.92 billion in 2015 to rp5.25 billion.

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Laba (Rugi) Komprehensif 2016 2015perubahan

Change comprehensive Income (Loss)Rp %

Pos Yang Akan Direklasifikasi Ke laba rugi

3,934 55,437 (51,503) -92.90% Item that will be reclassified subsequently to profit or loss

- Perubahan nilai Wajar efek Tersedia Untuk Dijual

5,245 73,916 (68,671) -92.90% Changes in fair value of available for sale securities

- Pajak Penghasilan Terkait Pos Yang Akan Direklasifikasi Ke laba rugi

(1,311) (18,479) 17,168 92.90% Income tax relating to item that will be Reclassified subsequently

to profit or loss

Jumlah Penghasilan komprehensif lain Periode Berjalan setelah Pajak

498 59,892 (59,394) -99.17% Total other Comprehensive Income for the Year after Tax

Total Laba (Rugi) Komprehensif 9,846 68,070 (58,224) -85.54% Total comprehensive Income (Loss)

Laba per Sahamlaba bersih per saham MnC Bank tahun 2016 mengalami penurunan menjadi rp0,51 dari tahun sebelumnya yang sebesar rp0,61. Hal ini disebabkan kenaikan laba bersih MnC Bank yang sebesar 14,32%, lebih rendah dibandingkan dengan kenaikan jumlah rata-rata saham tertimbang yang mencapai 36,05%.

Rasio Keuangan

Rasio Keuangan 2016 2015 Financial RatioRASIo KINERJA pERFoRMANcE RATIokewajiban Penyediaan Modal Minimum (kPMM)

19.54% 17.83% Capital adequacy

aset produktif dan non produktif bermasalah terhadap Total aset produktif dan non produktif bermasalah

1.88% 2.57%non-performing earning and non-earning assets to the total non-performing earning

and non-earning assets

aset produktif bermasalah terhadap total aset produktif

1.77% 2.18%non-performing earning-assets to total

earning assets

Cadangan kerugian Penurunan nilai aset keuangan Terhadap aset Produktif

0.42% 0.39%allowance for impairment losses to earning

assets

nPl Gross 2.77% 2.97% nPl Gross

nPl net 2.38% 2.43% nPl net

roa 0.11% 0.10% roa

roe 0.62% 0.74% roe

nIM 3.28% 3.32% nIM

BoPo 95.61% 98.97% BoPo

lFr 77.20% 72.29% lFr

RASIo KEpATUHAN coMpLIANcE RATIoPersentase pelanggaran BMPk Percent of lll violation

Earnings per ShareThe MnC Bank’s earnings per share in 2016 decreased to rp0.51 from rp0.61 in the previous year. This decline was due to the increase in the MnC Bank’s net income by 14.32% that was lower than that the increase in the total average of weighted shares of 36.05%.

Financial Ratio

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Rasio Keuangan 2016 2015 Financial Ratio - Pihak terkait - - - related party

- Pihak tidak terkait - - - non-related party

Persentase pelampauan BMPk Percent of lll exceedance

- Pihak terkait - - - related party

- Pihak tidak terkait - - - non-related party

Giro Wajib Minimum (GWM) statutory reserve

- GWM Utama rupiah 7.15% 8.61% - Main statutory reserve in rupiah

- GWM Valuta asing 8.79% 9.26% - statutory reserve in Foreign Currency

Posisi Devisa netto 3.70% 6.82% net open Position

Uraian rasio keuangan penting MNc Bank:

Kecukupan Modal rasio kecukupan Modal Minimum Bank (Car) meningkat menjadi 19,54% di tahun 2016. rasio ini berada diatas ketentuan Bank Indonesia, yaitu minimal 8%. Hal ini menunjukkan kemampuan permodalan MnC Bank yang semakin kuat untuk menunjang kegiatan operasional.

Kualitas Aset rasio aset produktif dan non produktif bermasalah terhadap total aset produktif dan non produktif menurun dari 2,57% menjadi 1,88%. Begitu pula dengan rasio NPL gross yang membaik dari 2,97% menjadi 2,77% dan NPL net membaik dari 2,43% menjadi 2,38%. Hal ini terutama disebabkan penurunan kredit bermasalah dan pengelolaan kualitas aset MnC Bank yang semakin baik.

Profitabilitas Rasio profitabilitas MNC Bank tahun 2016 cenderung bervariasi. rasio imbal hasil terhadap aset (roa) naik dari 0,10% menjadi 0,11% sementara rasio imbal hasil terhadap ekuitas (roe) turun dari 0,74% menjadi 0,62%.

Efisiensi rasio beban operasional dibandingkan pendapatan operasional (BoPo) mengalami perbaikan dari 98,97% menjadi 95,61%. Hal ini menunjukkan tingkat efisiensi MnC Bank yang semakin membaik.

Likuiditas Tingkat likuiditas MnC Bank yang ditunjukkan dengan rasio kredit terhadap pendanaan (lFr) pada tahun 2016 sebesar 77,20%, meningkat dari tahun 2015 yang sebesar 72,29%. Peningkatan ini mencerminkan fungsi intermediari MnC Bank yang berjalan lebih baik.

Description of MNC Bank’s key financial ratio:

capital AdequacyThe Capital adequacy ratio (Car) increased to 19.54% in 2016. The ratio level was above Bank Indonesia’s minimum requirement of 8%. This showed the MnC Bank’s strong capital capacity to support operational activities.

Asset QualityThe ratio of non-performing earning and non-earning assets to the total earning and non-earning assets improved from 2.57% to 1.88%. similarly, gross nPl improved from 2.97% to 2.77%, while net nPl decreased from 2.43% to 2.38%. These movements were mainly due to the decrease in non-performing and MnC Bank improvement of quality asset management.

ProfitabilityThe MNC Bank’s profitability ratio in 2016 varied; return on assets (roa) rose from 0.10% to 0.11%, while return on equity (roe) contracted from 0.74% to 0.62%.

EfficiencyThe ratio of operating expense to operating income (BoPo) improved from 98.97% to 95.61%, which reflected the MNC Bank’s higher operational efficiency

LiquidityThe MnC Bank’s liquidity level is indicated by the loan-to-funding ratio (lFr), which was 77.2% in 2016, a change from 72.29% in 2015. This increase reflected the MnC Bank’s improved performance of intermediary functions.

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LApoRAN ARUS KAS

(dalam rp juta | in rp million)

Laporan Arus Kas 2016 2015 Statements of cash Flowsarus kas dari aktivitas operasi (99,324) 1,047,411 Cash flows from operating activities

arus kas dari aktivitas investasi (411,681) (477,430) Cash flows from investing activities

arus kas dari aktivitas pendanaan 142,355 406,919 Cash flows from financing activities

kenaikan/(penurunan) bersih kas dan setara kas

(368,650) 976,900net increase/(decrease) of cash and cash

equivalents

kas dan setara kas pada awal tahun 3,406,333 2,429,433Cash and cash equivalents at beginning

of year

kas dan setara kas pada akhir tahun 3,037,683 3,406,333 Cash and cash equivalents at end of year

Arus Kas dari Aktivitas operasiarus kas keluar untuk aktivitas operasional yang berakhir pada tanggal 31 Desember 2016 tercatat sebesar rp99,32 miliar, setelah pada tahun 2015 membukukan arus kas masuk dari aktivitas operasional sebesar rp1.047,41 miliar. Pencatatan arus kas keluar dari aktivitas operasi ini antara lain digunakan untuk pencairan kredit yang diberikan, penempatan aset produktif, membayar bunga, provisi dan komisi; membayar gaji dan tunjangan karyawan; serta membayar beban operasional lainnya.

Arus Kas Dari Aktivitas Investasi arus kas keluar untuk aktivitas investasi yang berakhir pada tanggal 31 Desember 2016 sebesar rp411,68 miliar, terutama untuk pembelian efek tersedia untuk dijual yang sebesar rp1.496,86 miliar yang dikompensasi dengan arus kas masuk dari penjualan efek sebesar rp1.116,85 miliar.

Arus Kas Dari Aktivitas pendanaanarus kas masuk dari aktivitas pendanaan yang berakhir pada tanggal 31 Desember 2016 sebesar rp142,35 miliar yang berasal dari penambahan modal saham sebesar rp rp145,19 miliar.

Saldo Kas dan Setara KasMnC Bank mencatat saldo kas sampai tanggal 31 Desember 2016 sebesar rp3.037,68 miliar, menurun dibanding saldo pada awal tahun 2016 sebesar rp3.406,33 miliar yang disebabkan penggunaan kas untuk mendukung rencana pengembangan bisnis.

STATEMENTS oF cASH FLowS

cash Flows from operating ActivitiesCash flows used in operating activities ended on 31 December 2016 amounted to rp99.32 billion, while cash flows from operating activities in 2015 was Rp1,047.41 billion. Cash flows used for operating activities were utilized for loan disbursement, placement of earnings assets, interest payments, provisions, fees, salaries and benefits and other operating expenses.

cash Flows from Investing Activities Cash flows used in investing activities ended on 31 December 2016 amounted to rp411.68 billion, largely to purchase securities available for sale for rp1,496.86 billion that was offset by cash flows from sales of securities for rp1,116.85 billion.

cash Flows from Financing Activities Cash flows from financing activities ended on 31 December 2016 amounted to rp142.35 billion, derived from additional stock capital of rp145.19 billion.

cash and cash Equivalentsas at 31 December 2016, MnC Bank posted a cash balance of rp3,037.68 billion, a decrease from the rp3,406.33 billion in cash held at beginning of the year that was caused by the use of cash to support business development activities.

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KEMAMpUAN MEMBAYAR KEwAJIBAN DAN TINgKAT KoLEKTIBILITAS setidaknya ada tiga rasio yang umum digunakan untuk mengukur kemampuan MnC Bank dalam membayar kewajiban (utang) terhadap pihak lain. ketiganya yaitu rasio likuiditas, rasio solvabilitas dan rasio rentabilitas.

Rasio Likuiditasrasio likuiditas digunakan untuk mengetahui kemampuan MnC Bank dalam memenuhi kewajibannya. Dalam hal ini, salah satu ukuran untuk mengukur rasio likuiditas yang sehat adalah perbandingan antara jumlah kredit yang disalurkan dengan pendanaan (loan to funding ratio atau lFr). Pada tahun 2016, MnC Bank mencatat lFr sebesar 77,20%.

Rasio SolvabilitasMnC Bank menggunakan rasio permodalan untuk mengukur tingkat solvabilitas. MnC Bank memiliki Car sebesar 19,54%, naik dibanding tahun 2015 sebesar 17,83%. Hal ini mencerminkan modal MnC Bank yang semakin kuat untuk mendukung rencana pengembangan bisnis perusahaan.

Rasio Rentabilitasrasio rentabilitas digunakan untuk mengetahui tingkat efisiensi dari kinerja MNC Bank dengan menggunakan lima komponen yaitu laba terhadap aset (roa), laba terhadap ekuitas (roe), marjin bunga bersih (nIM), rasio biaya terhadap pendapatan (CIr) dan beban operasional terhadap pendapatan operasional (BoPo) dan rasio liabilitas terhadap aset.

Indikator 2016 2015 perubahanChange (%)

Indicators

return on assets (roa) 0.11% 0.10% 0.01 return on assets (roa)

return on equities (roe) 0.62% 0.74% (0.12) return on equities (roe)

net Interest Margin (nIM) 3.28% 3.32% (0.04) net Interest Margin (nIM)

BoPo 95.61% 98.97% (3.36) BoPo

liabilitas terhadap aset 85.75% 85.93% (0.18) Debt to assets

Berdasarkan rasio-rasio rentabilitas tersebut, MnC Bank berhasil membukukan tingkat keuntungan yang positif dan memberi nilai lebih bagi para pemegang saham. Hal ini sejalan dengan pengelolaan operasional yang semakin efisien. Selain itu, MNC Bank juga memiliki kemampuan dalam memenuhi kewajibannya terutama kewajiban jangka pendek.

SoLVABILITY AND coLLEcTABILITY

There are at least three ratios generally used to measure the MnC Bank’s ability to meet its liabilities to any third party: liquidity ratio, solvency ratio and profitability ratio.

Liquidity RatioThe liquidity ratio indicates the MnC Bank’s ability to meet its short-term liabilities. one of the ratio models to measure liquidity is to compare loans to funding (loan-to-funding ratio, lFr). In 2016, the MnC Bank’s lFr was 77.2%.

Solvency RatioMnC Bank uses a capital ratio to measure its solvency level. The MnC Bank’s Car was 19.54%, up from 17.83% in 2015, which reflected the MNC Bank’s stronger capital to support business development initiatives.

Profitability RatioThe profitability ratio indicates the level of the MNC Bank’s efficiency and performance and it is measured with the following five components: return on assets (roa), return on equity (roe), net interest margin (nIM), cost-to-income ratio (CIr), operating-cost-to-operating-income ratio (BoPo) and debt-to-asset ratio.

Based on the above ratios, MnC Bank was able to book a positive profitability level and to generate added value for shareholders. This was in line with its higher level of operational efficiency. MNC Bank also had sufficient liquidity to meet its liabilities, especially short-term liabilities.

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Kolektibilitas KreditTingkat kolektibilitas kredit dapat diukur dari rasio kredit bermasalah (non performing loan atau nPl), dimana sepanjang tahun 2016 MnC Bank mencatatkan nPl gross sebesar 2,77% dan nPl net sebesar 2,38%. sedangkan pada tahun 2015, nPl gross sebesar 2,97% dan nPl net sebesar 2,43%. Penurunan nPl ini tidak lepas dari upaya MnC Bank dalam meningkatkan kualitas aset dengan pemberian kredit yang selektif sebagai bagian dari penerapan manajemen risiko. selain itu, rasio kredit bermasalah MnC Bank masih berada dibawah ketentuan Bank Indonesia yang mensyaratkan nPl maksimal sebesar 5%.

STRUKTUR pERMoDALAN & KEBIJAKAN STRUKTUR MoDAL

Struktur permodalansesuai PoJk no.11/PoJk.03/2016 tanggal 26 Januari 2016 dan perubahannya PoJk no.34/oJk.03/2016 tanggal 22 september 2016, tentang kewajiban Penyediaan Modal Minimum Bank Umum dimana bank wajib membentuk tambahan modal minimum sesuai profil risiko yang berfungsi sebagai penyangga (buffer) yaitu Capital Conservation Buffer, Countercyclical Buffer dan Capital Surcharge untuk Domestic Systematically Important Bank.

kewajiban Penyediaan Modal Minimum pada tanggal 31 Desember 2015 dihitung berdasarkan PoJk no.11/PoJk.03/2016 tanggal 26 Januari 2016 tentang kewajiban Penyediaan Modal Minimum Bank Umum dimana bank perlu membentuk tambahan modal minimum sesuai profil risiko yang berfungsi sebagai penyangga (buffer) yaitu Capital Conservation Buffer, Countercyclical Buffer dan Capital Surcharge untuk Domestic Systemically Important Bank. Penetapan Systemically Important Bank dan Capital Surcharge juga diatur oleh PoJk no.46/PoJk.03/2015 tanggal 28 Desember 2015.

Berdasarkan profil risiko MNC Bank pada tanggal 31 Desember 2016 dan 2015, yaitu peringkat 3 (tiga), maka kPMM minimum per 31 Desember 2016 dan 2015 ditetapkan masing- masing sebesar 10% sampai dengan kurang dari 11%. Di tahun 2016 dan 2015, MnC Bank memiliki Car masing-masing sebesar 19,54% dan 17,83%. Dengan demikian, rasio kecukupan modal MnC Bank telah melampaui ketentuan yang disyaratkan oleh Bank Indonesia.

Loan collectabilityThe level of loan collectability can be measured from the non-performing loan (nPl) ratio. In 2016, MnC Bank recorded gross and net nPl of 2.77% and 2.38%, respectively, in comparison to 2.97% and 2.43% of gross and net nPl in 2015, respectively. Improvement in nPl showed the MnC Bank’s efforts to enhance asset quality by taking a selective approach to loan disbursement as part of its risk management implementation. In addition, the MnC Bank’s nPl ratio was still below Bank Indonesia’s maximum nPl of 5%.

cApITAL STRUcTURE AND cApITAL STRUcTURE poLIcY

capital StructurePursuant to PoJk no.11/PoJk.03/2016 dated January 26, 2016 and its amendment no.34/PoJk.03/2016 dated september 22, 2016 regarding Capital adequacy ratio of Commercial Banks whereas banks shall establish additional minimum capital based on risk profiles that serve as buffers, which are the Capital Conservation Buffer, the Countercyclical Buffer and the Capital surcharge for systemically Important Domestic Banks.

The Capital adequacy ratio (Car) on December 31, 2015 was calculated based on PoJk no.11/PoJk.03/2016 dated January 26, 2016 regarding the Capital adequacy ratio of Commercial Banks whereas banks should establish additional minimum capital based on risk profiles that serve as buffers, which are the Capital Conservation Buffer, the Countercyclical Buffer and the Capital surcharge for systemically Important Domestic Banks. The establishment of systemically Important Banks and Capital surcharges is also regulated by PoJk no.46/PoJk.03/2015 dated December 28, 2015.

Based on MNC Bank’s level 3 (three) risk profile as of December 31, 2016 and 2015, the minimum Car as of December 31, 2016 and 2015 was set at 10% to less than 11%. In 2016 and 2015, the MnC Bank’s Car was 19.54% and 17.83%, respectively. Therefore, MnC Bank’s Car exceeded Bank Indonesia’s minimum requirement.

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Berikut struktur permodalan MnC Bank pada tahun 2016 dan tahun 2015:

(dalam rp juta | in rp million)

Struktur Modal Bank 2016 2015 Bank’s capital StructureModal capitalModal Inti (Tier 1) 1,598,917 1,402,881 Core Capital (Tier 1)

Modal Pelengkap (Tier 2) 82,469 92,631 supplemetary Capital (Tier 2)

Total Modal 1,681,386 1,495,512 Total capitalaTMr risiko kredit 7,847,156 7,410,502 rWa for Credit risk

aTMr risiko operasional 667,322 685,745 rWa for operational risk

aTMr risiko Pasar 90,494 291,290 rWa for Market risk

Total ATMR 8,604,972 8,387,537 Total RwARasio KpMM dengan memperhitungkan: cAR for:rasio CeT 1 18.58% 16.73% ratio CeT 1

rasio Tier 1 18.58% 16.73% ratio Tier 1

rasio Tier 2 0.96% 1.10% ratio Tier 2

Rasio Total 19.54% 17.83% Total Ratiorasio Minimum Tier 1 6.00% 6.00% Minimum ratio Tier 1

rasio Minimum CeT 1 4.50% 4.50% Minimum ratio CeT 1

KPMM Minimum berdasarkan profil risiko

10.00%-11.00% 10.00%-11.00% Minimum CAR based on risk profile

CeT 1 untuk buffer 9.54% - CeT 1 for buffer

Persentase buffer yang wajib dipenuhi oleh Bank:

Minimum ratio Tier 1

- Capital Conservation Buffer 0.00% - - Capital Conservation Buffer

- Countercyclical Buffer 0.00% - - Countercyclical Buffer

- Capital surcharge untuk 0.00% -Domestic systemically Important

Bank

Kebijakan Struktur ModalMnC Bank menerapkan kebijakan struktur modal untuk memastikan modal yang kuat dan efisien dalam mendukung strategi pengembangan usaha, mempertahankan kelangsungan pengembangan di masa mendatang dan sesuai dengan regulasi.

Dalam menyusun rencana Permodalan MnC Bank mendasarkannya pada analisis kebutuhan kecukupan permodalan yang dipersyaratkan dan menyesuaikan dengan dinamika berdasarkan hasil dari metode stress test. Melalui stress test, MnC Bank dapat mengantisipasi lebih awal dan mengambil langkah-langkah pengendalian dan solusi yang paling optimal sebagai strategi jangka pendek maupun jangka panjang dalam menjaga struktur permodalan yang kuat dan efisien.

The following table details the MnC Bank’s capital structure in 2016 and 2015:

capital Structure policy MnC Bank applies a capital structure policy to ensure that it has strong and efficient capital to support its business development strategy, maintain business continuity and comply with regulations.

The MnC Bank’s Capital Plan was developed based on a capital adequacy analysis as required and taking into account the business dynamics based on the results of the stress test method. The stress test allows MnC Bank to take early anticipatory measures to control and come up with the optimum short- and long-term solutions to maintain a solid and efficient capital structure.

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rencana Permodalan disusun oleh Direksi sebagai bagian dari rencana Bisnis MnC Bank dan disetujui oleh Dewan komisaris. Perencanaan ini bertujuan untuk memastikan tersedianya modal yang cukup dan terciptanya struktur permodalan yang optimal berdasarkan komponen permodalan yang berbeda untuk mendukung strategi MnC Bank. Di tahun 2016, MnC Bank kembali melakukan rights issue (PUT V) sehingga meningkatkan modal inti MnC Bank menjadi rp1.598,92 miliar dari rp1.402,88 miliar ditahun 2015.

IKATAN YANg MATERIAL UNTUK INVESTASI BARANg MoDAL 2016sepanjang tahun 2016, tidak terdapat ikatan material untuk investasi barang modal.

Pada tahun 2016, MnC Bank tidak memiliki ikatan material terkait investasi barang modal yang dilakukan. Dalam pembiayaan investasi barang modal, MnC Bank mengutamakan pembelian barang modal dalam mata uang rupiah.

aset tetap kecuali tanah telah diasuransikan terhadap risiko kebakaran, pencurian dan risiko lainnya kepada PT MnC Insurance, pihak berelasi dan PT asuransi Bumiputeramuda 1967 dengan nilai pertanggungan yang memadai untuk menutupi kemungkinan kerugian atas asset yang dipertanggungkan.

INVESTASI BARANg MoDAL, KoMITMEN BELANJA MoDAL DAN KoMITMEN LAINNYA

Investasi Barang modal dan Komitmen Belanja ModalPada tahun 2016, jumlah investasi barang modal (capex) MnC Bank adalah sebesar rp66,57 miliar yang terdiri dari aset berwujud, aset tidak berwujud berupa perangkat lunak komputer dan aktiva tetap dalam proses. Belanja barang modal tersebut digunakan untuk memenuhi kebutuhan operasional serta untuk mendukung rencana bisnis MnC Bank.

INFoRMASI DAN FAKTA MATERIAL YANg TERJADI SETELAH TANggAL LApoRAN AKUNTANMnC Bank tidak memiliki informasi dan fakta material penting yang terjadi setelah tanggal laporan akuntan.

The Capital Plan was prepared by the Board of Directors as part of the MnC Bank’s Business Plan and submitted to the Board of Commissioners for approval. The planning aims to ensure the availability of sufficient capital and optimum capital structure generated by the different capital components to support the MnC Bank’s strategies. In 2016, MnC Bank exercised rights Issue V and increased its core capital to rp1,598.92 billion from rp1,402.88 billion in 2015.

MATERIAL coMMITMENTS FoR cApITAL gooDS IN 2016There were no material commitments for the investment of capital goods in 2016.

In 2016, MnC Bank did not enter into material commitments on capital goods investment. To invest in capital goods, MnC Bank preferred to make purchases in rupiah.

Premises and equipment with the exception of land have been insured against the risks of fire, theft and others through PT MnC Insurance, a related party, and PT asuransi Bumiputeramuda 1967. The value insured is sufficient to cover the possibility of the loss of the insured assets.

cApITAL gooDS INVESTMENT, cApITAL EXpENDITURE AND oTHER coMMITMENTS

capital goods Investment and capital Expenditure commitmentIn 2016, the MnC Bank’s total capital expenditure amounted to rp66.57 billion, which consisted of tangible assets, intangible assets, i.e. computer software and fixed assets in process. The capital expenditure was used to meet operational needs and support the implementation of MnC Bank’s business plan.

MATERIAL INFoRMATIoN AND FAcTS SUBSEQUENT To AccoUNTANT’S REpoRT

There were no material information or facts that emerged subsequent to the date of the accountant’s report.

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pRoSpEK USAHAMakro ekonomi pada tahun 2017 diprediksi akan lebih baik dibanding tahun 2016, seperti tercermin dari proyeksi pertumbuhan ekonomi yang sebesar 5,1%-5,3%. Reformasi kebijakan fiskal dan perbaikan iklim usaha memberi ekspektasi terbukanya ruang pertumbuhan bisnis yang lebih luas. Pembangunan infrastruktur akan terus dilanjutkan sebagai salah satu program prioritas pemerintah.

sejalan dengan optimisme pertumbuhan yang lebih tinggi tingkat inflasi diprediksi akan meningkat pada level 4,3%. Hal ini tidak lepas dari kebijakan penghapusan subsidi listrik dan harga komoditas yang akan melanjutkan tren meningkat. Pada sisi lain, indeks keyakinan konsumen semakin positif dan daya beli masyarakat tetap terjaga.

kelas menengah sebagai salah satu komponen penting dalam struktur ekonomi masyarakat Indonesia diproyeksikan akan semakin besar seiring dengan meningkatnya pendapatan.

Perbaikan di tingkat makro ekonomi akan berdampak positif terhadap industri perbankan. oJk memprediksi kredit perbankan akan tumbuh sebesar 13,25%, DPk akan tumbuh 11,94% dan total aset akan tumbuh sebesar 11,28% dari tahun 2016.

sektor konsumer yang menjadi fokus utama usaha MnC Bank diprediksi akan terus tumbuh seiring dengan membaiknya perekonomian dan meningkatnya daya beli masyarakat.

TARgET DAN REALISASI 2016 & pRoYEKSI 2017

(dalam rp miliar | in billion rp)

Indikator Target 2017 Target 2016 Realisasi 2016 Keterangan Indicatorsaset 10% - 12% ≥ 8% 7.6% Dibawah target assets

kredit 12% - 14% 9% - 10% 12.8% Diatas target loans

DPk 8% - 10% < 1% 5.9% Diatas target TPF

Pertumbuhan ekuitas ≥20% 30% 9.3% Dibawah target equity Growth

nPl gross (%) 2.7% - 3% 3.5% - 4% 2.8% Diatas target nPl gross (%)

lFr (%) 78% - 80% 80% - 82% 77.2% Dibawah target lFr (%)

nIM (%) ≥ 3.4% > 3.5% 3.3% Dibawah target nIM (%)

Car (%) ≥ 20% 20% - 21% 19.10% Dibawah target Car (%)

BUSINESS oUTLooKThe macroeconomics in 2017 is predicted to improve compared to the 2016 performance, as reflected in the projected economic growth of between 5.1% to 5.3%. Fiscal policy reform and an improved business climate are positive signs that the room for business growth has expanded. Infrastructure projects will also continue to be one of the government’s priority programs.

In line with growing optimism, the inflation rate is predicted to increase to 4.3%, as there is plan to lift an electricity tariff subsidy and there are hopes that commodity prices will continue to rise. The consumer confidence index also improved and consumers’ purchasing power will be maintained.

The middle class as one of the key components in society and in Indonesia’s economy is expected to increase in size as income levels improve.

Positive developments in the macroeconomics will certainly affect the banking industry; according to oJk projections, banking loans will grow by 13.25%, TPF will increase by 11.94% and total assets will grow by 11.28% from the 2016 positions.

The consumer sector, which is the MnC Bank’s key focus, is expected to be enhanced as the economy develops and purchasing power improves.

TARgETS VERSUS AcTUAL 2016 & 2017 pRoJEcTIoNS

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sepanjang tahun 2016, kinerja MnC Bank menunjukkan hasil yang bervariasi dan tidak semua target yang telah ditetapkan dalam rencana Bisnis Bank dapat tercapai.

Berdasarkan posisi keuangan tahun 2016, pertumbuhan aset sebesar 7,58% masih sedikit dibawah kisaran target sebesar 8%. Ditengah gejolak tekanan ekonomi makro dan melemahnya ekonomi domestik, pertumbuhan kredit yang diberikan sebesar 12,83% mampu melampaui kisaran target yang ditetapkan yaitu 9% - 10%. Begitu pula total simpanan nasabah juga mengalami pertumbuhan sebesar 5,87%.

Marjin bunga bersih yang dapat dicapai sebesar 3,3% atau masih dibawah kisaran target yang ditetapkan, hal ini antara lain disebabkan tingkat suku bunga deposito berjangka yang masih cukup tinggi sampai dengan pertengahan 2016 dan berangsur-angsur turun pada semester II 2016.

langkah-langkah strategis MnC Bank yang dijalankan di tahun 2016 untuk memperkuat struktur permodalan agar rasio kecukupan modal berada diatas modal minimum yang dipersyaratkan oJk, telah menghasilkan rasio Car sebesar 19,54% dengan kisaran target sebesar 20% - 21%. selain itu MnC Bank sangat fokus dalam penanganan dan penyelesaian kredit bermasalah untuk meningkatkan kualitas asset, sehingga pada akhir tahun 2016 rasio NPL gross MnC Bank membaik menjadi 2,77% dengan kisaran target 3,5% - 4%.

Target 2017Dalam menyusun rencana Bisnis tahun 2017, MnC Bank telah mempertimbangkan kondisi makro ekonomi yang mulai membaik, pencapaian kinerja tahun sebelumnya, kemampuan permodalan serta rencana strategis yang akan dijalankan. Dalam kebijakan manajemen tahun 2017, Bisnis Bank difokuskan pada segmen Consumer Banking (Consumer Lending dan Retail Funding) dan Small Medium Enterprises (loan, Trade Finance, Cash Management dan Forex), dengan segmen korporasi dan komersial sebagai segmen pendukung. Target yang akan dicapai seperti yang tertuang dalam rencana Bisnis Bank tahun 2017 adalah sebagai berikut :

· aset MnC Bank diproyeksikan tumbuh sebesar 10% - 12% dari realisasi tahun 2016 yang meningkat sebesar 7,58%.

Throughout 2016, the MnC Bank’s performance indicated varied results; few targets were met and some others were below the targets defined in MNC Bank Business Plan.

Based on financial positions in 2016, assets grew by 7.58%, or slightly below target at 8%. amidst macroeconomic pressures and a slowdown in the domestic economy, loan performance was able to exceed its target of 9% to 10% and stood at 12.83%. Total customer deposits grew by 5.87%.

The net interest margin stood at 3.3%, which was below target. This was partly due to the interest rate of term deposits, which was fairly high until the first half of 2016 and gradually decreased starting in the second half of 2016.

In 2016 MnC Bank made several strategic plans to ensure it maintained Car as required by the oJk, and was able maintain its Car ratio at 19.54%, below the target of 20% - 21%. Furthermore, MnC Bank focused on handling and settling non-performing loans in order to improve asset quality and at the end of 2016 was able achieve a gross nPl ratio of 2.77%, improving from the targeted 3.5% to 4%.

2017 TargetsIn developing the 2017 Bank Business Plan, MnC Bank has considered improving its macroeconomic conditions, capital capacity and strategic plans. In the management policy of 2017, MnC Bank’ business is focused on the Consumer Banking segment (Consumer lending and retail Funding), and small Medium enterprises (loans, Trade Finance, Cash Management and Forex), with Corporate and Commercial as the supporting segments. Business targets as defined in MnC Bank Business Plan 2017 are as follows:

· 10% - 12% asset growth projection, up from a 2016 realization of 7.58%.

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· Pertumbuhan kredit diproyeksikan sebesar 12% - 14% dengan pertumbuhan terbesar pada kredit segmen sMe dan konsumer yang masing-masing berkisar 28% dan 21%, sedangkan segmen korporasi & komersial diproyeksikan tumbuh sekitar 5%.

· simpanan nasabah diproyeksikan tumbuh pada kisaran 8% - 10%, dengan prioritas pada peningkatan porsi simpanan nasabah ritel untuk mengurangi risiko konsentrasi.

· ekuitas diproyeksikan tumbuh diatas 27%, hal ini sejalan dengan proyeksi penambahan modal serta laba bersih MnC Bank. Diharapkan rasio Imbal Hasil terhadap ekuitas (roe) juga akan meningkat.

· Untuk peningkatan kualitas aset MnC Bank ditahun 2017, maka rasio nPl Gross akan dijaga pada kisaran 2,7% - 3,0%. Upaya-upaya strategis yang akan dilakukan antara lain; penyelesaian khusus atas kredit bermasalah, pemberian kredit baru tetap dilakukan secara prudent, perbaikan kebijakan perkreditan serta perbaikan sistem monitoring, penagihan dan penyelesaian kredit bermasalah.

· rasio Loan to Funding Ratio (lFr) akan dijaga pada kisaran 78% - 80%. Untuk menjaga rasio likuiditas berjalan dengan baik dan optimal, MnC Bank akan melakukan pengelolaan likuiditas secara hati-hati serta monitoring yang ketat terhadap rasio GWM, sr dan lFr.

· Marjin Bunga Bersih (nIM) diproyeksikan tumbuh diatas 3,4%. Untuk meningkatkan pendapatan bunga bersih, MnC Bank akan terus melakukan upaya peningkatan kualitas kredit dan meningkatkan simpanan dana murah (low cost funding) dengan prioritas pertumbuhan pada simpanan ritel dan mengurangi konsentrasi sumber dana pada nasabah korporasi.

· rasio kecukupan Modal (Car) diproyeksikan tumbuh diatas kisaran 20%, hal ini sejalan dengan rencana strategis MnC Bank untuk memperkuat struktur permodalan dengan jalan penambahan modal melalui mekanisme rights issue di tahun 2017.

Strategi pengembangan Usaha 2017Untuk mencapai pertumbuhan usaha dan proses operasional yang efektif dan efisien, MNC Bank telah merumuskan strategi pengembangan usaha yang dibagi menjadi 3 tahap untuk kurun waktu tertentu, yaitu; Foundation Building Stage, Focusing Business Stage dan Sustainability Growth Stage.

· 12% - 14% loan growth projection, broken down into 28% and 21% growth of sMe and consumer segments, respectively, and 5% growth in the Corporate and Commercial segment.

· 8% - 10% third party deposits growth projection, with priority on the increase in the retail customer deposits portion to reduce concentration of risks.

· above 27% equity growth projection, which is to be achieved by increasing the MnC Bank’s capital, net income and roe.

· To maintain a 2.7% - 3% gross nPl to improve asset quality in 2017. strategic measures will include settling of non-performing loans, prudent new loan approvals, credit policy enhancement, monitoring system refinement, collection and improvement of non-performing loans.

· To maintain a 78% - 80% of loan-to-Funding ratio (lFr). To maintain a strong and optimum liquidity ratio, MnC Bank will apply stringent liquidity management and monitoring on statutory reserves, sr and lFr.

· above 3.4% net Interest Margin (nIM) growth projection. To increase net interest income, MnC Bank will continue to improve credit quality and low-cost funding, focusing on retail deposits and reducing funding concentrations on corporate customers.

· 20% Car growth projection. This target is in line with the MnC Bank’s strategic plan to strengthen its capital structure by increasing capital through a rights issue mechanism in 2017.

Business Development Strategy 2017To achieve effective and efficient business growth and operational processes, MnC Bank has developed a business development strategy that consists of three phases that are linked to specific time periods: Foundation Building stage, Focusing Business stage and sustainability Growth stage.

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Pada tahun 2017, MnC Bank masih berada pada Foundation Building Stage. strategi pengembangan usaha yang akan dijalankan MnC Bank untuk mendukung tercapainya target bisnis ditahun 2017 antara lain:

· permodalan – penambahan modal melalui proses rights issue di tahun 2017 guna memperkuat struktur permodalan MnC Bank.

· produk dan jasa – mengembangkan produk dan jasa yang ditunjang dengan aplikasi mobile sebagai “delivery platform” transaksi dan pelayanan untuk memenuhi kebutuhan nasabah.

· Strategi Akuisisi Nasabah – membangun dan meningkatkan jumlah nasabah (customer base) funding dan lending melalui sinergi yang kuat dengan perusahaan, karyawan, rekanan serta nasabah yang berada didalam dan diluar Grup MnC.

· Infrastruktur – pengembangan dan pembaharuan infrastruktur yang dapat mendukung akuisisi dan layanan nasabah (business block) yang fokus pada pengembangan platform secara end to end proses, serta pengembangan operasional bank (support block) yang dilakukan melalui proses otomasi dan digitalisasi.

· Jaringan Distribusi a. Penataan dan pengembangan jaringan kantor

(branch network).b. Penambahan mesin aTM, eDC Mini aTM dan

Cash Deposit Machine (CDM)c. Pengembangan jaringan elektronik seperti

mobile banking, internet banking dan jaringan debit.

· penanganan Kredit Bermasalah - memperkuat tim Task Force untuk penanganan kredit bermasalah dengan melakukan pemantauan, penagihan, restrukturisasi, lelang dan penyelesaian kredit bermasalah secara berkala.

· Sumber Daya Manusia – melakukan evaluasi struktur organisasi dan pengembangan karyawan.

· Meningkatkan kualitas penerapan Manajemen Risiko dan Tata Kelola yang baik – melakukan pengembangan infrastruktur manajemen risiko dengan menerapkan Pedoman Penerapan Manajemen risiko dan Manajemen risiko terintergrasi untuk konglomerasi keuangan dan disertai penguatan pada GCG MnC Bank.

· Merger dan Akuisisi – MnC Bank berupaya untuk mempertimbangkan pengembangan bisnis tumbuh secara un-organic.

In 2017, MnC Bank will still be in the Foundation Building stage. strategies in this stage that will be executed by MnC Bank to meet its 2017 business targets are:

· capital – increase and strengthen capital level through a rights issue in 2017.

· products and services – develop new products and services equipped with mobile apps as the delivery platform of transactions and services to meet the needs of customers.

· customer Acquisition Strategy – formulate and increase its customer base in funding and lending by synergizing with other businesses, employees, partners and customers of MnC Group.

· Infrastructure – build and enhance its infrastructure that will be able to accommodate customer acquisition and services (i.e. business blocks). MnC Bank will focus on the end-to-end development of its platform and operational development (support block) through an automation and digitalization process.

· Distribution Networka. Branch network improvement and expansion.b. Increase number of aTMs, eDC Mini aTMs

and Cash Deposit Machines (CDM).c. Development of electronic network, such as

mobile banking, internet banking and debit network.

· Non-performing Loan Handling - strengthen Task Force team to execute monitoring, collection, loan restructuring, auctioning and settling of non-performing loans on a periodical basis.

· Human Resource – evaluate organizational structure and employee development programs.

· Risk Management and good corporate governance Quality Improvement – improve the quality of risk management by applying risk Management Implementation Guidelines and Integrated Risk Management for financial conglomerate, followed with GCG strengthening.

· Merger and Acquisition – MnC Bank will consider non-organic business development.

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ASpEK pEMASARAN MnC Bank sebagai lembaga intermediasi keuangan, melakukan usaha penghimpunan DPk dan penyaluran dana (kredit). Dalam meningkatkan perolehan DPk, MnC Bank akan melakukan program pemasaran yang disesuaikan dengan target segmen. MnC Bank bekerjasama dengan Grup MnC dan mengoptimalkan infrastruktur IT melalui mobile banking, pengembangan internet banking dan pengembangan ATM dengan memperkaya fitur-fiturnya serta melakukan co-branding dengan pihak ketiga. Peningkatan DPk akan difokuskan pada perolehan dana murah (low cost funding) sebagai bagian dari upaya menurunkan biaya dana.

MnC Bank akan melakukan program optimalisasi jaringan kantor cabang dengan cara relokasi dan peningkatan status. Untuk mendukung aktivitas penjualan, MnC Bank juga akan menggunakan direct sales, telesales dan cross selling dengan produk lending. strategi pemasaran tersebut akan dilengkapi dengan aktifitas promosi dan iklan serta pameran-pameran di pusat keramaian termasuk di acara-acara yang diadakan oleh Grup MnC.

Dalam menyalurkan kredit, MnC Bank akan memfokuskan pada peningkatan kualitas dari kuantitas kredit konsumer dan retail. Melalui referensi pimpinan cabang dan referensi para nasabah, MnC Bank secara bertahap mengembangkan penyaluran kredit secara selektif. Penyaluran kredit selalu tetap mengedepankan prinsip kehati-hatian sebagai upaya untuk menekan kredit bermasalah.

DIVIDEN DAN KEBIJAKAN DIVIDENMnC Bank merencanakan akan membayar dividen kas kepada seluruh pemegang saham sekurang-kurangnya satu kali dalam setahun sampai dengan 25% dari laba Bersih mulai tahun buku 2016, dengan tetap memperhatikan peraturan perundang-undangan yang berlaku, posisi keuangan atau tingkat kesehatan MnC Bank dan tanpa mengurangi hak dari rUPs.

MARKETINg ASpEcTSAs a financial intermediary institution, MNC Bank engages in third party funds accumulation and loan disbursement (credit). To increase TPF, MnC Bank will implement marketing programs tailored to segment targets. MnC Bank aligns with MnC Group and optimizes IT infrastructure such as mobile banking, Internet banking development and aTM enhancement features and plans to have co-branding with a third party. To increase TPF, MnC Bank will focus on generating low-cost products (Casa) as part of its efforts to lower the cost of funds.

In branch network optimization, MnC Bank plans to relocate and upgrade the status of some branch offices. To support sales activities, MnC Bank will also use direct sales. These marketing strategies will be complemented with promotional programs, advertisements and other activities in exhibitions or places of public interest, as well as events of the MnC Group.

To channel loans, MnC Bank will focus on increasing quality and volume of consumer and retail loans. Through referrals from branch managers and customers, MnC Bank expects to selectively expand its lending business. Prudential banking will be an inherent element in loan disbursement in order to minimize non-performing loans.

DIVIDEND pAYMENT AND poLIcYstarting 2016, the MnC Bank’s dividend payment policy was to distribute dividends to the shareholders at least once per year in the amount of up to 25% of the net Income. MnC Bank shall observe applicable regulations, financial positions, or MNC Bank’s robustness without compromising the rights of the GMs.

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pENggUNAAN DANA HASIL pENAwARAN UMUMrealisasi penggunaan dana hasil penawaran umum disajikan dalam tabel berikut :

(dalam rp juta | in rp million)

Jenis penawaran

umumType of Public

offering

Tanggal efektif

effective Date

Nilai realisasi penawaran umumValue of public offering realization

Rencana penggunaan

dana menurut prospektusUtilization

Plan based on Prospectus

Realisasi penggunaan

dana menurut prospektus

Proceeds realization based

on Prospectus

Sisa dana hasil

penawaran umum

outstanding proceeds

Jumlah hasil penawaran

umumTotal proceeds

Biaya penawaran

umumoffering expenses

Hasil bersihnet proceeds

peningkatan aset produktif

(penyauran kredit,

penempatan dana dan

pembelian surat berharga)Increase of

earning assets (loans, placement of funds, purchase

of securities)

pembelian surat berharga

loans

Penawaran umum dengan hak memesan efek terlebih dahuluPublic offering with pre-emptive rights

7 september

2016145.190.170.900 2.834.702.221 142.355.468.679 142.355.468.679 142.355.468.679 0

INFoRMASI MENgENAI INVESTASI, EKSpANSI, DIVESTASI YANg MENgANDUNg BENTURAN KEpENTINgAN sepanjang tahun 2016, MnC Bank tidak melakukan investasi, ekspansi dan divestasi yang mengandung benturan kepentingan.

Transaksi Benturan Kepentingan Tidak ada transaksi yang mengandung benturan kepentingan selama tahun pelaporan yang dilakukan oleh MnC Bank.

Transaksi dengan pihak Berelasi Dalam menjalankan kegiatan usaha, MnC Bank melakukan transaksi dengan pihak yang berelasi secara wajar dan sesuai dengan ketentuan dan peraturan yang berlaku. Pencatatan transaksi berelasi telah dilakukan sesuai dengan ketentuan dalam Psak no.7 (revisi tahun

UTILIZATIoN oF pUBLIc oFFERINg pRocEEDSThe utilization of proceeds from public offerings is presented in the following table:

INFoRMATIoN oN INVESTMENT, EXpANSIoN AND DIVESTMENT wITH coNFLIcTS oF INTERESTIn 2016, MnC Bank did not perform any investments, expansions, or divestments carrying conflicts of interest.

Transactions with Conflicts of InterestMnC Bank did not enter into transactions carrying conflicts of interest during the reporting year.

Transactions with Related parties In implementing its business activities, MnC Bank was involved in transactions with related parties. The transactions were executed on an arm’s-length basis and in compliance with the applicable regulations. Transactions with related parties were recognized and presented in the financial statements according to

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2010) mengenai “Pengungkapan pihak-pihak berelasi”. selengkapnya transaksi material dengan pihak berelasi selama tahun 2016 terdapat pada Catatan nomor 37 dalam laporan keuangan audited konsolidasian.

pERUBAHAN/pERATURAN pERUNDANg-UNDANgAN YANg BERpENgARUH SIgNIFIKAN TERHADAp pERUSAHAANTidak ada perubahan peraturan perundang-undangan yang berpengaruh signifikan terhadap usaha MNC Bank.

pERUBAHAN KEBIJAKAN AKUNTANSI DAN DAMpAKNYA TERHADAp LApoRAN KEUANgAN MnC Bank telah menerapkan standar baru dan sejumlah amandemen dan interpretasi Pedoman standar akuntansi keuangan (Psak) yang dikeluarkan oleh Dewan standar akuntansi keuangan dari Ikatan akuntan Indonesia yang relevan dengan operasinya dan efektif untuk periode akuntansi yang dimulai pada 1 Januari 2016, sebagai berikut:

· amandemen Psak 5 segmen operasi · Psak 7, Pengungkapan Pihak-Pihak Berelasi · amandemen Psak 16: aset Tetap dan Psak 19:

aset Tak berwujud: Model revaluasi – penyajian kembali secara proporsional depresiasi dan amortisasi

· Psak 24: Imbalan kerja tentang Program Imbalan Pasti: Iuran Pekerja

· Psak 68: Pengukuran nilai Wajar · Psak 70. akuntansi aset dan

liabilitas Pengampunan Pajak standar baru ini secara khusus mengatur perlakuan akuntansi atas aset dan liabilitas pengampunan pajak sesuai dengan Undang-undang tentang Pengampunan Pajak.

Penerapan amandemen dan interpretasi standar tersebut diatas tidak memiliki pengaruh signifikan atas pengungkapan atau jumlah yang dicatat di dalam laporan keuangan pada tahun berjalan dan tahun sebelumnya.

Psak no.7 (revised 2010) on related Party Disclosures. Comprehensive information on material transactions with related parties in 2016 can be observed under note 37 of the audited Consolidated Financial statements.

LEgAL/REgULAToRY cHANgES wITH SIgNIFIcANT IMpAcTS To THE BANK

There were no legal and regulator changes that brought significant impacts to the MNC Bank’s business.

cHANgES oF AccoUNTINg poLIcIES AND THE IMpAcTS oN FINANcIAL STATEMENTS

MnC Bank has applied a new standard, a number of amendments and an interpretation of the Psak issued by the Financial accounting standard Board of the Indonesian Institute of accountants that are relevant to its operations and effective for accounting period beginning on January 1, 2016:

· amendments to Psak 5 operating segments· Psak 7, related Party Disclosures· amendments to Psak 16 Property, Plant and

equipment and Psak 19 Intangible assets: revaluation method – proportionate restatement of accumulated depreciation/amortization.

· PSAK 24: Employee Benefits about Defined Benefit Plans: Employee Contributions.

· Psak 68 Fair Value Measurement.· Psak 70 accounting for Tax amnesty asset and

Liability. The new standard specifically prescribes the accounting for tax amnesty assets and liabilities in relation to the application of the Tax amnesty law.

The application of the above amendments and interpretations to standards have not resulted in material impacts on disclosures or on the amounts recognized in the current and prior year’s financial statements.

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Melangkah ke 2017, MNC Bank telah siap dengan sejumlah rencana untuk memastikan Bank memiliki tenaga kerja berkualitas dan dalam jumlah yang memadai untuk merealisasikan setiap peluangGoing forward, MNC Bank has prepared a plan and strategies to ensure that it has sufficient quality and quantity of employees to realize every opportunity

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TINJAUANopERASIoNALOPERATIONAL REVIEW

124 Manajemen risikoRisk Management

186 sumber Daya ManusiaHuman Resources

200 Teknologi informasiInformation Technology

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Tinjauan operasionaloperational review

MNc Bank secara terus menerus melakukan evaluasi secara berkala dan mengembangkan serta meningkatkan kerangka sistem pengelolaan risiko perusahaan terpadu dan struktur pengendalian internal yang komprehensif.MNC Bank continuously evaluates, develops, and enhances its integrated risk management system and framework as well as comprehensive internal control standard.

MANAJEMEN RISIKoRISK MANAGEMENT

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MANAJEMEN RISIKORisk Management

Perkembangan bisnis perbankan terus berkembang sejalan dengan perkembangan kebutuhan nasabah. Dalam menjalankan kegiatan bisnis yang terus berkembang, MnC Bank senantiasa dihadapkan kepada berbagai risiko. Terkait hal tersebut, MnC Bank berupaya menerapkan pengelolaan dan manajemen risiko sesuai dengan ketentuan yang berlaku, serta memininimalisasi potensi risiko yang melekat pada bisnis MnC Bank.

Dalam menerapkan manajemen risiko, MnC Bank berpedoman pada PoJk no.18/PoJk.0/2016 tentang penerapan manajemen risiko bagi bank umum serta dokumen-dokumen dari Basel Committee on Banking Supervision. MnC Bank juga telah melakukan perhitungan kecukupan modal dengan menggunakan pendekatan standar Basel II (Standardized Approach) untuk risiko kredit, metode standar (Standard Method untuk risiko pasar dan pendekatan indikator dasar Basel II (Basel Indicator Approach) untuk risiko operasional. selain itu, MnC Bank juga telah melakukan perhitungan kewajiban Penyediaan Modal Minimum (kPMM) sesuai dengan tingkat Profil Risiko dengan menerapkan proses perhitungan kecukupan modal secara internal atau disebut Internal Capital Adequacy Assessment Process (ICaaP) sesuai dengan PoJk no.34/PoJk.03/2016 tanggal 26 september 2016 (perubahan atas PoJk no.11/PoJk.03/2016).

saat ini, pengelolaan risiko MnC Bank mencakup seluruh jenis risiko dari semua aktivitas fungsional berdasarkan kebutuhan akan keseimbangan antara pertumbuhan usaha dengan pengelolaan risikonya. Dengan kebijakan manajemen risiko yang berjalan efektif, manajemen risiko menjadi partner stratejik dari unit bisnis yang bertujuan mengoptimalkan pendapatan dan meminimalisir potensi kerugian dari aktivitas operasional MnC Bank.

Untuk menyesuaikan dengan perkembangan usaha sesuai dengan perubahan parameter risikonya, MnC Bank secara terus menerus melakukan evaluasi secara berkala dan mengembangkan serta meningkatkan kerangka sistem pengelolaan risiko perusahaan terpadu dan struktur pengendalian internal yang komprehensif. Hal itu dilakukan agar dapat memberikan informasi secara dini mengenai terdapatnya potensi risiko kepada manajemen, sehingga manajemen dapat mengambil langkah-langkah yang memadai untuk meminimalisasi dampak risiko tersebut.

as customers’ needs and demands evolve, the banking business also develops. Managing the growing business activities, MnC Bank is exposed to various risks. To address them, MnC Bank applies risk management system and procedures pursuant to prevailing regulations and to minimize risk potentials that are inherent to MnC Bank’s business.

MnC Bank’s risk management implementation refer to PoJk no.18/PoJk.0/2016 on risk management implementation for commercial banks and documents developed and issued by the Basel Committee on Banking supervision. MnC Bank computes capital adequacy level using Basel II standardized approach for credit risk, standardized Method for market risk, and Basel II Indicator approach for operational risk. In addition, MnC Bank has calculated its Minimum Capital Adequacy (CAR) against its risk profile by implementing the calculation of internal capital adequacy assessment process (ICaaP) pursuant PoJk no.34/PoJk.03/2016 dated 26 september 2016 (change of PoJk no.11/PoJk.03/2016).

Today, MnC Bank’s risk management covers all types of risks arising from the functional activities. MnC Bank takes into account its need of having a balance between business growth and risk management. With effective risk management policy, risk management becomes a strategic partner of business units to optimizing profits and minimizing potential losses from MnC Bank’s operational activities.

To keep up with business development and changes in risk parameters, MnC Bank continuously evaluates, develops, and enhances its integrated risk management system and framework as well as comprehensive internal control standard. MnC Bank seeks to be able to deliver early information on risk potential to the management, allowing the management to take right steps to minimize risk impacts.

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Tinjauan operasionaloperational review

MANAJEMEN RISIKORisk Management

kerangka manajemen risiko MnC Bank terpadu tersebut dituangkan dalam kebijakan, prosedur, batas-batas transaksi, kewenangan dan ketentuan lain serta berbagai perangkat manajemen risiko, yang berlaku di seluruh lingkup aktivitas fungsional. selain itu MnC Bank juga menerapkan kerangka manajemen risiko terpadu yang merupakan sarana untuk menentukan strategi, organisasi, kebijakan dan pedoman untuk memastikan bahwa semua risiko yang dihadapi Perseroan dapat dikenali, diukur, diatasi dan dilaporkan dengan baik.

Dalam mengimplementasikan manajemen risiko, MnC Bank didukung oleh komite Manajemen risiko untuk menentukan kebijakan dan membahas permasalahan risiko yang dihadapi MnC Bank secara keseluruhan. selain komite tersebut, terdapat komite Pemantau risiko dan beberapa komite lain yang bertugas untuk mengelola risiko-risiko secara lebih spesifik, yaitu antara lain komite kredit dan komite Manajemen aset dan liabilitas (Asset and Liability Management Committee/ ALCO)

Struktur organisasi Satuan Kerja Manajemen Risiko

Risk Management group Head

credit policy & portfolio Head

ERM, IRM & oRM Head

Enterprise Risk

operational Risk

Integrated Risk-conglomeration

credit process Head

Market & Liquidity Risk

Head

Tugas dan Tanggung Jawab Risk Management groupDalam melaksanakan pengelolaan manajemen risiko, MnC Bank telah membentuk grup manajemen risiko dengan tugas dan tanggung jawab sebagai berikut:

The integrated risk management framework is translated into policies, procedures, transaction limits, authorities, and other provisions as well as risk management instruments applicable across all functional activities. In addition, the risk management framework is developed to determine strategy, organization, policies, and guidelines to ensure that all risks can be properly identified, measured, addressed, and reported.

MnC Bank’s risk management implementation is supported by the risk Management Committee that defines bank-wide risk management policy and discusses all risk problems in a comprehensive manner. other than that, MnC Bank also has risk oversight Committee and other committees tasked to address specific risks, among others Credit Committee, and asset and liability Management Committee (alCo).

Risk Management Unit organization Structure

Risk Management group Duties and ResponsibilitiesMnC Bank has established a risk management group with the following duties and responsibilities:

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1. Memberikan masukan kepada Direksi dalam penyusunan kebijakan, strategi dan kerangka Manajemen risiko.

2. Mengembangkan prosedur dan alat untuk identifikasi, pengukuran, pemantauan dan pengendalian risiko.

3. Mendesain dan menerapkan perangkat yang dibutuhkan dalam penerapan Manajemen risiko.

4. Memantau implementasi kebijakan, strategi dan kerangka Manajemen risiko yang direkomendasikan oleh komite Manajemen risiko dan yang telah disetujui oleh Direksi.

5. Memantau posisi/eksposur risiko secara keseluruhan, maupun per risiko termasuk pemantauan kepatuhan terhadap toleransi risiko dan limit yang ditetapkan.

6. Melakukan stress test guna mengetahui dampak dari implementasi kebijakan dan strategi Manajemen risiko terhadap portofolio atau kinerja MnC Bank secara keseluruhan.

7. Mengkaji usulan aktivitas dan/atau produk baru yang dikembangkan oleh suatu unit tertentu.

8. Memberikan rekomendasi kepada satuan kerja bisnis dan/atau kepada komite Manajemen risiko antara lain mengenai besaran atau maksimum eksposur risiko yang dapat dipelihara MnC Bank.

9. Mengevaluasi akurasi dan validitas data yang digunakan oleh MnC Bank untuk mengukur risiko untuk keperluan intern.

10. Menyusun dan menyampaikan laporan profil risiko kepada President Direktur, Direktur Manajemen risiko dan kepatuhan dan komite Manajemen risiko secara berkala atau paling kurang secara triwulanan.

11. Melaksanakan kaji ulang secara berkala dengan frekuensi yang disesuaikan kebutuhan MnC Bank, untuk memastikan kecukupan kerangka Manajemen risiko, keakuratan metodologi penilaian risiko dan kecukupan sistem informasi Manajemen risiko.

pelaksanaan Manajemen RisikoPengelolaan manajemen risiko dilaksanakan oleh satuan kerja Manajemen risiko melalui tata cara pengelolaan yang sistematis, terintegrasi, optimal dan berkesinambungan. Dalam pelaksanaan tugasnya, satuan kerja ini bertanggung jawab untuk pengembangan dan pengawasan kebijakan manajemen risiko MnC Bank di masing-masing area tertentu dan bertugas melaporkan kegiatan yang telah dilaksanakan kepada Direksi secara berkala.

1. Providing input to the Board of Directors with respect to developing risk management policies, strategies, and framework

2. Developing procedures and instruments for risk identification, measurement, monitoring, and control.

3. Designing and identifying instruments required in risk Management

4. Monitoring the implementation of risk Management policies, strategies, and framework recommended by the risk Management Committee and approve by the Board of Directors.

5. Monitoring the overall risk position/exposure or by individual risk type, including monitoring MnC Bank’s compliance with risk tolerance and limit level set out by MnC Bank.

6. Carrying out stress test to assess the possible impacts of risk management policy and strategy implementation to MnC Bank’s overall business portfolio or performance.

7. reviewing proposed activities and/or new products from a business unit.

8. recommending the limit or maximum risk exposure acceptable by MnC Bank to business units and/or the risk Management Committee.

9. evaluating data accuracy and validity that MnC Bank uses to measure risks for internal use.

10. Preparing and submitting risk profile report to the President Director, risk Management and Compliance Director, and risk Management Committee at every certain period or at least on quarterly basis.

11. regularly reviewing the adequacy of risk Management framework, risk assessment methodology accuracy, and information system adequacy. review frequency follows MnC Bank’s needs.

Risk Management Implementationleading the risk management implementation is the risk Management Unit, which undertakes systematic, integrated, optimum, and continuous activities. This unit is responsible for developing and overseeing risk management policies of MnC Bank in certain areas and to administer periodic report to the Board of Directors.

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proses Manajemen RisikoProses Manajemen Risiko terdiri dari aktifitas identifikasi, pemantauan, pengukuran dan pengendalian. Identifikasi risiko dilakukan dengan menganalisa seluruh jenis risiko yang mungkin timbul pada seluruh aktifitas fungsional MNC Bank, baik pada transaksi, portofolio, bisnis proses dan infrastruktur, yang dimulai sebelum MnC Bank memperkenalkan produk dan/atau aktivitas baru. setiap faktor risiko yang mungkin muncul dan menghambat proses operasional ataupun manajerial perlu diidentifikasi. Untuk mengawasi penerapan manajemen risiko, dibentuklah satuan kerja Manajemen risiko yang bertanggung jawab kepada Direktur kepatuhan dan Manajemen risiko.

Setiap risiko yang teridentifikasi dipantau besaran eksposur, toleransi, kepatuhan terhadap limit internal dan konsistensi pelaksanaannya terhadap kebijakan dan prosedur yang ditetapkan. pemantauan dilakukan oleh unit pelaksana maupun oleh satuan kerja Manajemen risiko yang nantinya akan disajikan dalam laporan berkala kepada Manajemen, sehingga Manajemen memahami potensi kerugian dimasa mendatang, berapa banyak modal yang diperlukan untuk menutup potensi kerugian di masa mendatang dibandingkan dengan potensi imbal hasil yang diharapkan.

MnC Bank melakukan pengukuran risiko secara berkala guna memastikan besaran risiko masih berada dalam batasan toleransi yang dapat diterima. Metode pengukuran risiko mengikuti metode pengukuran yang ditetapkan oleh Bank Indonesia ataupun oleh internal MNC Bank. Setelah risiko teridentifikasi, terpantau dan terukur, maka risiko harus dikendalikan untuk meminimalisir kemungkinan terjadinya risiko tersebut, terutama risiko tertentu yang membahayakan kelangsungan usaha MnC Bank.

adapun bentuk pengendalian risiko yang dilakukan dapat berupa mitigasi risiko berbentuk agunan kredit, penambahan modal MnC Bank untuk menyerap potensi kerugian, penetapan kebijakan, standar, prosedur dan pelatihan para karyawan MnC Bank agar memahami tugas dan kewajibannya dalam mengelola risiko.

Infrastruktur MnC Bank untuk mengelola risiko terdiri dari kebijakan, standar, prosedur, pelaporan, kumpulan data, sistem informasi risiko dan organisasi. MnC Bank mengorganisir tiga lini pertahanan dalam pengendalian risiko. lini pertama adalah pemilik risiko yaitu Unit kerja Bisnis yang bertanggung jawab untuk mengidentifikasi risiko sejak awal dan melakukan mitigasi atas risiko

Risk Management processRisk management process consists of risk identification, monitoring, measurement, and control. risk identification, which precedes a new product and/or activity, is accomplished by analyzing all risk types that are potentially resulting from any of MnC Bank’s functional activities, transactions, portfolio, business process and infrastructure. every risk factor that may arise and inhibit operational or managerial processes must be identified. The Risk Management Unit oversees this overall process and implementation; it is directly responsible to the risk Management and Compliance Director.

Every identified risk is monitored by exposure, tolerance, consistency with internal limit, and compliance with policies and procedures. The monitoring is conducted by risk taking unit or by the risk Management Unit, and a periodic report will be submitted to the Management. Through risk report, the Management can assess losses potential in the future and the capital needed to cover for the possible losses relative to MnC Bank’s expected business return.

MnC Bank measures risks periodically to ensure that the risk level is still within its tolerance scope. risk measurement method follows the method set out by Bank Indonesia and MnC Bank’s internal method. After risks are identified, monitored, and measured they need to be controlled to minimize the possibility of occurrence, especially certain risks that can damage MnC Bank’s continuity.

The risk control efforts may be in the form of risk mitigation achieved through credit collateral, addition of capital in order to absorb losses, stipulation of policies, standards, and procedures and training for employees to ensure they understand their responsibilities with respect to risk management.

MnC Bank’s risk management infrastructure consists of policies, standards, procedures, reporting, data collection, risk information system, and organization. In exercising risk control, MnC Bank organizes three lines of defense. The first line is the risk owner, i.e. the Business Unit responsible for early risk identification and mitigation. The second line of defense is the risk

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yang ada. lini kedua yaitu satuan kerja Manajemen risiko dan satuan kerja kepatuhan. lini ketiga adalah satuan kerja audit Internal yang memastikan secara independen bahwa kerangka dan proses manajemen risiko telah berjalan dengan baik.

Kebijakan, prosedur dan penetapan LimitPelaksanaan pengelolaan risiko MnC Bank mengacu kepada Pedoman Penerapan Manajemen risiko. Untuk bidang yang lebih spesifik MNC Bank memiliki kebijakan dan prosedur pada masing-masing bidang, misalnya di bidang perkreditan, operasional, treasuri, teknologi informasi dan lain-lain. seluruh kebijakan dan prosedur yang ada, merupakan bentuk pengelolaan risiko yang melekat pada setiap aktivitas MnC Bank dan dikaji secara berkala. limit risiko ditetapkan untuk berbagai macam jenis risiko dan disesuaikan dengan tingkat toleransi risiko MnC Bank.

pengawasan Aktif Dewan Komisaris dan Direksi

Penerapan manajemen risiko diawasi secara aktif oleh Dewan komisaris, dibantu oleh beberapa komite yang terdiri dari komite audit, komite nominasi dan remunerasi dan komite Pemantau risiko. komite Pemantau Risiko secara khusus mengkaji laporan profil risiko yang disajikan oleh satuan kerja Manajemen risiko. rapat komite Pemantau risiko diadakan setiap bulan dan dihadiri oleh para anggotanya yang berkeahlian dalam manajemen risiko di industri keuangan.

Di tingkat Direksi, manajemen risiko dikoordinasi melalui komite Manajemen risiko, komite aset dan liabilitas dan komite Pengarah Teknologi Informasi.

Jenis-Jenis Risiko

RISIKo KREDITRisiko Kredit adalah potensi kerugian finansial yang disebabkan kegagalan peminjam atau counterparty untuk memenuhi kewajiban keuangan atau kontraknya. risiko kredit berasal dari berbagai kegiatan usaha MnC Bank, termasuk pemberian kredit, penempatan pada bank lain, pembelian efek dan aktivitas trading lainnya. risiko kredit juga berasal dari kegiatan settlement dan kliring, serta dari komitmen dan kontinjensi dari pihak lain.

Pengawasan risiko kredit di tangani oleh divisi khusus di bawah manajemen satuan kerja Manajemen risiko, dikerjakan bersama-sama dengan unit bisnis pemberi kredit, unit evaluasi kredit yang mengevaluasi

Management Unit and Compliance Unit. The third line of defense is the Internal audit Unit, an independent unit that ensures proper risk management framework and process.

policy, procedure, and Limit StipulationMnC Bank’s risk management refers to risk Management Implementation Guideline. MnC Bank also has specific policies and procedures for certain areas, e.g. lending, operations, treasury, information technology, and others. The policies and procedures constitute a risk management practice embedded to every activity of MnC Bank, which is reviewed regularly. risk limit is set for individual risk type and takes into account MnC Bank’s risk tolerance level.

Active Supervision of the Board of commissioners and Directors risk management implementation is actively supervised by the Board of Commissioners and committees, which consists of the audit Committee, nomination and remuneration Committee, and risk oversight Committee. The Risk Oversight Committee specifically reviews the risk profile report from Risk Management Unit. The risk oversight Committee meets every month and attended by experienced and skilled members in risk management in the financial industry.

at the Board of Directors level, the risk management is coordinated by the risk Management Committee, alCo, and IT steering Committee.

Types of Risk

cREDIT RISKCredit risk is a potential risk of financial losses arising from counterparty default in meeting its financial or contract obligations. Credit risk arises from various activities of MnC Bank, including lending, placement with other banks, purchase of securities, and other trading activities. Credit risk also arises from settlement and clearing activities and third party commitment and contingency.

Credit risk oversight is handled by a dedicated division under the risk Management Unit and in cooperation with business units where lending originates, credit evaluation unit that assesses credit worthiness, credit

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kelayakan pemberian kredit, unit pemulihan kredit yang menangani kredit bermasalah, satuan kerja audit Internal dan audit eksternal.

risiko kredit di kelola melalui kebijakan kredit yang mengatur seluruh aktivitas kredit, antara lain pengaturan berdasarkan sasaran pasar, jenis kredit, lapangan usaha, wilayah geografis, mata uang dan jangka waktu. Pengelolaan risiko kredit secara portfolio diatur dalam kebijakan Risk Appetite & Risk Tolerance yang menetapkan alokasi kredit maksimum pada tiap sektor konsentrasi, seperti konsentrasi pada debitur inti, ekonomi tertentu, mata uang asing tertentu dan sektor-sektor lainnya. Untuk konsentrasi kredit per debitur atau grup debitur MnC Bank menetapkan Batas Maksimum Pemberian kredit (BMPk) dengan mengikuti ketentuan Bank Indonesia.

pengungkapan Kuantitatif Risiko Kredit

pengungkapan Risiko Kredit dengan pendekatan Standarketentuan perihal penggunaan peringkat dalam perhitungan aTMr untuk risiko kredit mengacu kepada surat edaran Bank Indonesia (seBI) no.13/6/DPnP tanggal 18 Februari 2011. Peringkat yang digunakan adalah peringkat terkini yang dikeluarkan oleh lembaga pemeringkat yang diakui oleh Bank Indonesia sesuai ketentuan Bank Indonesia yang mengatur mengenai lembaga pemeringkat dan peringkat yang diakui Bank Indonesia yaitu seBI no.13/31/DPnP/2011.

kategori portofolio yang menggunakan peringkat adalah eksposur aset pada laporan posisi keuangan MnC Bank (neraca), antara lain tagihan kepada pemerintah negara lain, tagihan kepada entitas sektor publik, tagihan kepada MnC Bank pembangunan multilateral dan lembaga internasional, tagihan kepada bank jangka pendek, tagihan kepada bank jangka panjang dan tagihan kepada korporasi.

lembaga pemeringkat yang digunakan oleh MnC Bank adalah lembaga pemeringkat yang diakui oleh regulator.

risiko kredit counterparty MnC Bank bersifat bersih tanpa jaminan untuk counterparty yang merupakan pemerintah, bank dan beberapa perusahaan yang kredibel. Untuk counterparty lainnya, mitigasi dikonsolidasi dalam fasilitas kreditnya masing-masing.

recovery unit that handles non-performing credit, Internal audit Unit, and external audit.

The management of credit risk is governed by credit policy that covers all credit activities among others credit arrangement by target market, credit type, business area, geographical region, currency, and tenor. Credit risk management based on credit portfolio is governed under risk appetite & risk Tolerance policies that define the maximum credit allocated to each concentrated sector, such as core debtors, certain economic sectors, certain foreign currency, and others. For debtor’s group, MnC Bank applies Bank Indonesia’s legal lending limit (lll) policy.

credit Risk Quantitative Disclosure

credit Risk Disclosure using Standardized ApproachBank Indonesia Circular (seBI) no.13/6/DPnP dated 18 February 2011 stipulates the use of rating in risk-Weighted asset (rWa) for credit risk computation. The rating used is the updated rating issued by rating agencies recognized by Bank Indonesia pursuant to its regulation on rating agency and rating, seBI no.13/31/DPnP/2011.

MnC Bank’s portfolio category where rating is applied indicates asset exposure on MnC Bank’s balance book, among others receivables from other sovereign, receivables from public sector entities, receivables from multilateral development agencies and international agencies, short-term receivables from banks, long-term receivables from banks, and receivables from corporate.

The rating agency that MnC Bank engages is a rating agency recognized by the regulators.

MnC Bank’s counterparty credit risk is without collateral for credit that MnC Bank provides for certain counterparties, i.e. government, banks, and selected credible companies. risk mitigation for other counterparties is consolidated in their respective credit facility.

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pengungkapan Mitigasi Risiko Kredit dengan Menggunakan pendekatan StandarTeknik mitigasi risiko kredit yang diterapkan oleh MnC Bank adalah teknik mitigasi risiko berupa agunan. Jenis agunan keuangan yang diterima oleh MnC Bank adalah berupa uang tunai yang disimpan pada Bank, giro, tabungan dan deposito yang diterbitkan oleh MnC Bank.

Terkait agunan yang diterima oleh MnC Bank seperti yang disebutkan sebelumnya, untuk menilai dan mengelola agunan tersebut MnC Bank telah memiliki kebijakan dan prosedur terkait agunan tunai.

sejauh ini MnC Bank tidak melakukan teknik mitigasi risiko kredit dengan menggunakan garansi dan/atau penjaminan atau asuransi kredit, namun melalui teknik mitigasi risiko kredit berupa agunan.

RISIKo pASARrisiko pasar adalah risiko kerugian di on dan off-balance sheet yang timbul dari pergerakan harga pasar. risiko pasar dapat berasal dari posisi trading book maupun banking book. Portofolio dari trading book terdiri dari semua instrumen keuangan yang dimiliki bank untuk periode jangka pendek dalam rangka memfasilitasi kegiatan perdagangan untuk mendapatkan keuntungan atau untuk lindung nilai terhadap berbagai jenis risiko. sedangkan banking book terdiri dari semua portofolio yang bukan bagian dari trading book.

organisasi Manajemen Risiko pasarDalam pelaksanaan pengelolaan risiko pasar, MnC Bank menerapkan prinsip segregation of Duties front office (Treasury, melaksanakan transaksi trading), middle office (Risk Management, melaksanakan proses manajemen risiko, menyusun kebijakan dan prosedur) dan back office (Treasury operation, melaksanakan proses settlement transaksi).

Mekanisme pemantauan dan pengukuran Risiko pasarPengelolaan resiko pasar MnC Bank dilakukan melalui penetapan limit-limit, seperti limit Counterpart, limit Treasury Group, limit Dealer, limit MAT (Management Action Trigger) dan limit Stop Loss. Untuk mempermudah proses pemantauan tersebut MnC Bank menggunakan OPICS Treasury system, yang meng-integrasikan front office (Treasury), middle office (satuan kerja Manajemen risiko) dan back office (Treasury Operation).

credit Risk Mitigation Disclosure using Standardized ApproachMnC Bank applies the use of collaterals as its risk mitigation technique. MnC Bank accepts cash placed with MnC Bank, demand deposit, savings, and term deposit issued by MnC Bank as collaterals.

In relation with the collateral accepted by MnC Bank as previously mentioned, MnC Bank has policies and procedures to assess and manage these types of financial collaterals.

at present, MnC Bank does not apply guarantee and/or credit insurance as measures of credit risk mitigation and only applies the use of collaterals.

MARKET RISKMarket risk is the risk of losses on and off balance sheet arising from the movement of market price. Market risk may result from MnC Bank’s trading book and banking book. Trading book portfolio consists of all financial instruments held by MnC Bank for a short-term period to facilitate its trading activities for the purpose of yielding returns, or hedging of various types of risk. Whereas, banking book consists of all portfolio other than the trading book portfolio.

Market Risk Management organizationIn managing market risk, MnC Bank implements the segregation of duties front office principle (Treasury, which implements trading transactions), middle office (risk Management, overseeing the risk management process, developing policies and procedures), and the back office (Treasury operation, which handles transaction settlement).

Market Risk Monitoring and Measurement MechanismsMnC Bank manages its market risk by determining limits, such as counterparty, treasury group, dealer, MaT (Management action Trigger), and stop loss limits. For easy monitoring system, MnC Bank uses oPICs Treasury system, which integrates the front office (Treasury), the middle office (Risk Management Unit), and the back office (Treasury Operation).

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MnC Bank menggunakan standar model untuk menghitung dan memantau risiko pasar yang meliputi risiko suku bunga, risiko valuta asing dan risiko surat berharga (bonds) sesuai Peraturan Bank Indonesia (PBI) no.9/13/PBI/2007 tanggal 01 november 2007. Hasil perhitungan risiko pasar yang berdampak terhadap rasio permodalan, dilaporkan kepada Dewan komisaris, Direksi dan manajemen senior secara berkala dalam rapat komite asset & liabilitas.

secara periodik rMG mengkaji ulang kebijakan risiko pasar agar sesuai dengan perubahan peraturan eksternal, kebijakan internal dan strategi bisnis MnC Bank, termasuk peninjauan kembali limit-limit yang diusulkan oleh Treasury Group dan dibahas dalam rapat komite Manajemen risiko dan komite Pemantau risiko. Untuk mengantisipasi bergejolaknya nilai tukar mata uang yang dapat berdampak pada kecukupan modal Bank, MnC Bank secara rutin maupun ad-hoc melakukan stress test terhadap posisi terbuka per mata uang sehingga dapat melakukan antisipasi lebih awal.

RISIKo opERASIoNALrisiko operasional adalah akibat ketidakcukupan dan/atau tidak berfungsinya proses internal, kesalahan manusia, kegagalan sistem dan/atau adanya kejadian-kejadian eksternal yang mempengaruhi operasional MnC Bank. risiko ini melekat dalam semua proses bisnis, kegiatan operasional, sistem dan produk Bank, dari mulai kantor pusat sampai kantor kas. kegagalan mengelola risiko operasional dapat menyebabkan kerugian keuangan, keselamatan karyawan dan reputasi MnC Bank.

Tujuan MnC Bank dalam mengelola risiko operasional adalah meminimalisasi dampak kegagalan/ketidakcukupan proses internal, faktor manusia, sistem atau kejadian-kejadian eksternal yang dapat mempunyai dampak kerugian keuangan dan merusak reputasi MnC Bank.

organisasi Manajemen Risiko operasionalDalam rangka penerapan manajemen risiko khususnya untuk risiko operasional, satuan kerja Manajemen risiko memiliki divisi khusus yang mengelola risiko operasional melalui kebijakan dan perangkat risiko operasional. Mekanisme yang digunakan MnC Bank untuk mengidentifikasi dan mengukur risiko operasional

To measure and monitor market risk, which covers interest rate risk, foreign currency risk, and securities (bonds) risk, MnC Bank applies the standard model pursuant to BI regulation no.9/13/PBI/2007 dated 01 november 2007. The result of market risk calculation, which indicates impacts on capital ratio, is reported to the Board of Commissioners, Board of Directors, and the senior management on periodical basis during alCo meetings.

Periodically, rMG reviews its market risk policy to keep abreast with changes of external regulations, internal policies, and MnC Bank’s business strategy, including limits proposed by the Treasury Group. The review is discussed during meetings of risk Management and risk oversight Committees. To anticipate foreign currency volatility that may affect MnC Bank’s capital adequacy, MnC Bank carries out regular and ad-hoc stress testing on the open position of each currency to allow for early anticipation measures.

opERATIoNAL RISKoperational risk results from the internal process inadequacy and/or dysfunction, human errors, system failure, and/or external events that affect MnC Bank’s operations. This risk is inherent to all business processes, operational activities, system, and products and across all levels from the Head Office to the Cash Office. Failure in managing this risk may result in financial losses, employees’ safety and MnC Bank’s reputation.

MnC Bank’s purpose in managing operational risk is to minimize those impacts caused by internal process dysfunction/inadequacy, human errors, system failure, and/or external events that affect MnC Bank’s credibility.

operational Risk Management organizationIn implementing risk management specifically risk operational, the risk Management Unit has a dedicated operational risk management division that manages the operational risk policies and instruments.

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Mekanisme identifikasi risiko operasional yang dilakukan oleh MnC Bank antara lain dilakukan melalui perangkat risiko operasional.

Untuk pengukuran risiko operasional, MnC Bank melakukan dengan memanfaatkan pendekatan Basic Indicator Approach (BIA) untuk menghitung asset Tertimbang Menurut risiko (aTMr) risiko operasional yang kemudian digunakan dalam pengukuran kecukupan Pemenuhan Modal Minimum (kPMM).

Mekanisme Untuk Memitigasi Risiko operasionalMitigasi risiko operasional dilakukan oleh Pemilik risiko dan dipantau oleh lini kedua dan ketiga. Hasil pemantauan risiko operasional disampaikan kepada Direksi maupun kepada Risk Taking Unit untuk diupayakan proses mitigasi bagi pengendalian dan perbaikan risiko operasional MnC Bank.

Menyadari sDM adalah aset yang berharga dan merupakan unsur kunci didalam pengelolaan risiko operasional, maka sejak tahun 2015, MnC Bank telah melakukan rekrutmen tenaga kerja professional dari industri perbankan untuk membawa kontribusi didalam penyempurnaan proses. MnC Bank juga telah melakukan banyak pelatihan untuk meningkatkan ketrampilan didalam bekerja.

RISIKo LIKUIDITASrisiko likuiditas adalah akibat ketidakmampuan untuk memenuhi kewajiban yang jatuh tempo dari sumber pendanaan arus kas dan/ atau dari aset likuid berkualitas tinggi yang dapat diagunkan, tanpa mengganggu aktivitas dan kondisi keuangan MnC Bank. Tujuan utama Manajemen risiko untuk risiko likuiditas adalah untuk meminimalkan kemungkinan ketidakmampuan Perseroan dalam memperoleh sumber pendanaan arus kas.

organisasi Manajemen Risiko LikuiditasManajemen risiko likuiditas merupakan hal yang kritikal karena berdampak langsung terhadap keberlangsungan perusahaan, terutama apabila terjadi suatu krisis keuangan atau ekonomi. Untuk itu, MnC Bank berupaya memastikan bahwa kebutuhan pendanaan saat ini maupun masa depan dapat dipenuhi baik pada kondisi normal maupun dalam kondisi stress.

Pemantauan dan perhitungan risiko likuiditas yang dapat berdampak langsung terhadap keberlangsungan

MnC Bank’s mechanism to identify operational risk among others is carried out through operational risk instruments.

To measure operational risk, MnC Bank uses the Basic Indicator approach (BIa) approach to calculate risk-Weighted asset (rWa) for operational risk, which is then used to measure the Minimum Capital adequacy (Car).

operational Risk Mitigation Mechanismoperational risk mitigation is carried out by risk owners with oversight by the second and Third line of Defense. The result of operational risk monitoring is reported to the Board of Directors and risk Taking Unit for operational risk control and mitigation process.

Human resource is a valuable asset and vital in operational risk management. MnC Bank realizes this importance as reflected by its recruitment of professional banking employees in 2015, which are expected to contribute in the process refinement. MnC Bank also organizes various training programs to improve employees’ professional skills.

LIQUIDITY RISKliquidity risk arises from MnC Bank’s inability to meet matured obligations from cash flow funding sources and/or high quality liquid assets that can be pledged without disrupting its business activities and affecting its financial conditions. The primary purpose of liquidity risk management is to minimize the possibility that MnC Bank is unable to obtain cash flow funding sources.

Liquidity Risk Management organization liquidity risk management is critical as it directly impacts MnC Bank’s business sustainability, especially in the event of a financial or economic crisis. To that end, MnC Bank seeks to ensure that the current and future funding requirements are met in both normal conditions and stress conditions.

MnC Bank carries out daily, weekly, and monthly monitoring and calculation on liquidity risk monitoring

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usaha MnC Bank dilakukan secara harian, mingguan dan bulanan serta dilaporkan kepada Dewan komisaris, Direksi dan manajemen senior secara berkala secara harian maupun dalam rapat komite aset dan liabilitias.

Indikator peringatan Dini permasalahan LikuiditasPemantauan dan perhitungan risiko likuiditas dilakukan dengan menggunakan indikator risiko likuiditas seperti Giro Wajib Minimum, Primer dan sekunder, Loan to Funding Ratio (LFR), rasio aset lancar terhadap dana pihak ketiga, konsentrasi 50 nasabah terbesar serta maturity mismatch, dilaporkan kepada Dewan komisaris, Direksi dan manajemen senior secara harian, mingguan dan bulanan maupun dalam rapat bulanan ALCO.

secara berkala MnC Bank melakukan kaji ulang terhadap kebijakan dan limit risiko likuiditas. Untuk mengetahui dampak perubahan pasar maupun faktor internal pada kondisi ekstrim (krisis) terhadap kondisi likuiditas yang dapat berdampak pada kecukupan modal Bank, MnC Bank melakukan stress test terhadap posisi likuiditas Perseroan secara regular. Melalui stress test, MnC Bank dapat mengantisipasi lebih awal dan mengambil langkah-langkah pengendalian dan solusi yang paling optimal sebagai strategi jangka pendek maupun jangka panjang pemulihan likuiditas.

Mekanisme pengukuran dan pengendalian risiko likuiditasUntuk memproyeksikan kondisi likuiditas di masa mendatang, MnC Bank menggunakan metodologi liquidity gap. Liquidity gap dibuat atas dasar maturity mismatch antara komponen-komponen asset dan liability (termasuk off-balance sheet), yang disusun ke dalam periode waktu (timebucket) berdasarkan contractual maturity ataupun behavioral maturity. langkah yang diambil oleh MnC Bank sehubungan dengan maturity gap antara aset dan liabilitas moneter adalah dengan menetapkan gap limit yang disesuaikan dengan kemampuan MnC Bank.

Untuk mengetahui dampak perubahan faktor pasar maupun faktor internal pada kondisi ekstrim (krisis) terhadap kondisi likuiditas yang dapat berdampak pada kecukupan modal, MnC Bank secara rutin maupun ad hoc melakukan stress test terhadap posisi likuiditas pendanaan MnC Bank. Dengan stress test ini, MnC Bank dapat mengantisipasi lebih awal dan mengambil langkah-langkah pengendalian dan solusi yang paling

and calculation that may directly affect business sustainability. The results are reported to the Board of Commissioners, Board of Directors, and the senior management on periodical and daily basis at alCo meetings.

Liquidity Issues Early warning Indicatorsliquidity risk monitoring and calculation uses risk indicators such as Primary and secondary statutory reserves, loan to Funding ratio (lFr), current assets to third party funds ratio, concentration of 50 biggest customers, and maturity mismatch. The results are reported to the Board of Commissioners, Board of Directors, and the senior management on daily, weekly, and monthly basis at alCo meetings.

MnC Bank periodically conducts a review of the policy and liquidity risk limit. To determine the impact of market changes as well as internal factors in extreme conditions (crisis) to the liquidity conditions that may affect the capital adequacy of MnC Bank, MnC Bank conducts stress testing on MnC Bank’s liquidity position on a regular basis. Through stress tests, MnC Bank can make early risk anticipation and take control measures and the most optimal solutions as a strategy of short-term and long-term recovery of liquidity.

Liquidity Risk Measurement and control MechanismsMnC Bank uses liquidity gap methodology to project its future liquidity level. liquidity gap is established based on the maturity mismatch between assets and liability components (including components of off-balance sheet); arranged by period (time bucket) based on contractual or behavioral maturities. Based on the maturity gap between monetary assets and liabilities, MnC Bank can identify and establish a gap limit that is consistent with its ability.

To ascertain the impacts of changes in and internal factors under extreme (crisis) conditions to MnC Bank’s liquidity that may harm its capital adequacy, MnC Bank carries regular and ad-hoc stress-testing on its funding liquidity position. Through stress tests, MnC Bank can anticipate liquidity risk in advance and take control

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optimal sebagai strategi jangka pendek maupun jangka panjang pemulihan likuiditas.

RISIKo HUKUMrisiko hukum adalah akibat adanya tuntutan hukum dan/atau kelemahan aspek yuridis, antara lain disebabkan adanya, ketiadaan peraturan perundang-undangan yang mendukung atau kelemahan perikatan seperti tidak dipenuhinya syarat sahnya kontrak dan pengikatan dokumen yang tidak sempurna. risiko Hukum berada dibawah koordinasi satuan kerja legal.

organisasi manajemen risiko hukumMnC Bank memiliki satuan kerja legal yang memiliki tugas dan tanggung jawab untuk memberikan kajian, opini hukum dan layanan perikatan. Dalam hal pengelolaan risiko hukum, satuan kerja legal menyampaikan eksposur risiko hukum kepada Direksi atas perubahan peraturan atau atas kejadian hukum tertentu. Di dalam penyampaian eksposur risiko hukum, turut melibatkan lini kedua sesuai skema Tiga lini Pertahanan.

Mekanisme pengendalian risiko hukum Mekanisme pengendalian risiko hukum dilakukan melalui kajian produk dan layanan yang dimiliki MnC Bank, sehingga produk dan aktivitas Perseroan sesuai dengan ketentuan hukum dan peraturan perundang-undangan yang berlaku.

satuan kerja kepatuhan dan satuan kerja legal senantiasa menjaga dan memperkuat posisi hukum (legal standing) MnC Bank terhadap setiap kerjasama yang memiliki hubungan hukum yang dilakukan bersama counterparty dengan tetap menjaga asas dan prinsip hukum umum serta memastikan perikatan yang dilakukan oleh MnC Bank telah memenuhi 4 (empat) syarat yang menjadi landasan utama yaitu:

a. kesepakatan, yaitu setiap hubungan hukum/ perikatan yang dilakukan dengan counterparty harus berlandaskan adanya kesepakatan dari para pihak.

b. kecakapan, yaitu kemampuan atau kewenangan bertindak dari para pihak dalam suatu hubungan hukum perikatan.

c. objek Perjanjian, yaitu obyek perjanjian hukum yang harus jelas atau spesifik dan realistis.

d. Memiliki causa prima yang halal, yaitu setiap perjanjian yang dilakukan tidak bertentangan dengan norma kepatutan, kesusilaan dan tidak melanggar ketentuan hukum yang berlaku.

measures and the most optimal solutions as a strategy of short-term and long-term recovery of liquidity.

LEgAL RISKlegal risk arises from lawsuits and/or judicial weaknesses caused by, among others, absence of favorable laws and regulations, weak agreements, unfulfilled contract validity, or weak commitment documents. legal risk is managed by MnC Bank’s legal unit.

Legal Risk Management organization MnC Bank has established a legal unit with the duties and responsibilities to review, provides legal opinion, and delivers agreement services. The legal Unit reports MnC Bank’s legal risk exposure to the Board of Directors with respect to regulatory changes due to certain legal events. The legal Unit involves the second line of Defense in reporting the legal risk exposure according to the Three lines of Defense scheme.

Legal Risk control MechanismThe legal risk control mechanism is conducted by reviewing MnC Bank’s products and services, to ensure their conformity with the applicable laws and regulations.

The Compliance Unit and legal Unit continuously maintains and strengthens MnC Bank’s legal standing in all legally binding agreements with its counterparties, by maintaining the generally accepted legal principles and ensuring that MnC Bank’s commitments satisfy the following 4 (four) fundamental prerequisites:

a. agreement, i.e. any legal commitment undertaken with the counterparty must be based on mutual agreement of the parties.

b. Competence, i.e. the competence or authority of the respective party to an agreement to take legal actions.

c. object of agreement, i.e. lawful object that must be clearly, specifically, and realistically defined.

d. lawful prima causa, i.e. any of the agreement is not against the norms of propriety, decency, and the laws and regulations.

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selain itu pengelolaan risiko hukum juga dilakukan dengan memantau perkembangan kasus-kasus hukum yang terjadi dan mengambil tindakan hukum dari kasus-kasus tersebut. Penanganan kasus hukum yang dilakukan pada MnC Bank senantiasa memperhitungkan potensi kerugian baik atas penyelesaian kasus secara damai ataupn melalui jalur pengadilan. MnC Bank juga memberikan perhatian khusus atas kasus hukum yang berpotensi menimbulkan kerugian secara signifikan.

RISIKo STRATEJIKrisiko stratejik adalah risiko akibat ketidaktepatan dalam pengambilan dan/atau pelaksanaan suatu keputusan stratejik serta kegagalan dalam mengantisipasi perubahan lingkungan bisnis.

ketidakmampuan MnC Bank dalam melakukan penyusunan strategi yang tepat dapat menimbulkan kegagalan bisnis MnC Bank di masa yang akan datang. risiko ini juga mencakup kemampuan MnC Bank dalam mengembangkan daya saing dan menciptakan keunggulan kompetitif MnC Bank di tengah kompetisi perbankan yang semakin ketat.

organisasi Manajemen Risiko Stratejik seluruh satuan kerja unit Bisnis dan unit pendukung membantu Direksi dalam penyusunan rBB dan mengkomunikasikan kepada karyawan MnC Bank disetiap jenjang organisasi dan juga memastikan praktek Manajemen risiko stratejik dan pengendalian di unit bisnis telah konsisten dengan kerangka Manajemen risiko stratejik secara keseluruhan.

MnC Bank memiliki satuan kerja Business Strategy and Planning Group maupun Branch Management and Service Quality Group yang bertugas dan bertanggung jawab membantu Direksi memantau implementasi strategi yang ditetapkan termasuk melalui realisasi target-target yang ditetapkan oleh Senior Management Bank dalam rangka pengembangan perusahaan secara berkelanjutan.

risiko stratejik juga berhubungan dengan perencanaan strategi yang baik untuk menghindari terjadinya kerugian atau dampak negatif lainnya dari adanya kesalahan dalam pengambilan keputusan yang berdampak luas dan jangka panjang dalam organisasi.

In addition, legal risk management is also carried out through the monitoring of the progress of current legal cases and the undertaking of legal action related to these cases. MnC Bank handles its legal cases by taking into account the potential losses that may arise from the settlement of the cases either amicably or in a court of law. MnC Bank also pays particular attention to cases that may cause significant harm to MNC Bank.

STRATEgIc RISKstrategic risk is a risk resulting from erroneous decision-making and/or implementation of strategies, or MnC Bank’s failure in responding to business environment changes.

MnC Bank’s inability to develop accurate business strategies may result in business failure in the future. This risk includes MnC Bank’s ability in developing its competitiveness and competitive advantage amidst the increasingly stringent banking competition.

Strategic Risk Management organization The entire business units and support units assist the Board of Directors in the preparation of MnC Bank’s Business Plan and communicating such plan to the employees at each organizational level, as well as ensure that the strategic risk Management practices and controls in the business units have been consistent with the overall strategic risk Management framework.

MnC Bank has Corporate Planning and Branch network units that are responsible to assist the Board of Directors in overseeing strategy implementation, including the realization of targets set out by MnC Bank’s senior Management for the purpose of sustainable business development.

strategic risk is also related with sound strategic planning to avoid the risk of losses or other adverse impacts due to erroneous decision-making that would result in widespread and long-term adverse effects within the organization.

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MnC Bank secara berkelanjutan memantau kondisi pasar dan mengumpulkan informasi penting sebagai bahan pertimbangan dalam pengambilan keputusan dan penetapan kebijakan strategi MnC Bank. seiring dengan pemantauan kondisi pasar tersebut, MnC Bank memiliki beragam portofolio produk yang variatif agar rencana stratejik yang ditetapkan dapat tercapai.

Di satu sisi, MNC Bank memiliki proses mengidentifikasi dan merespon atas perubahan lingkungan bisnis eksternal maupun internal terhadap tahapan proses manajemen risiko stratejik dengan:a. analisa lingkungan bisnis; Menganalisa faktor

internal dan ekternal, menangkap peluang dan tantangan dari perubahan lingkungan bisnis serta menganalisa kelebihan internal dan kekurangannya.

b. Perencanaan; Menyusun sasaran yang ingin dicapai disesuaikan dengan kompleksitas bisnis, profil risiko maupun risk bearing capacity serta Direksi menetapkan strategi dan kebijakan untuk dijadikan dasar keputusan.

c. Implementasi; Mengalokasikan sumber daya yang dibutuhkan baik yang bersifat finansial maupun sumber daya manusia, menyelesaikan program kerja dan komitmen Direksi untuk mengalokasikan sumber daya yang dibutuhkan.

d. evaluasi; evaluasi terhadap kondisi aktual dengan apa yang telah direncanakan dan melakukan corrective action untuk perbaikan.

Mekanisme untuk mengukur kemajuan yang dicapai dari rencana stratejik yang ditetapkan dilakukan secara berkala terhadap pencapaian atas target yang ditetapkan yang dipantau dan dilaporkan melalui satuan kerja Branch Management and Service Quality Group Business Strategy and Planning Group and Strategic Group dan management reporting kepada manajemen MnC Bank.

secara triwulanan MnC Bank melakukan analisa risiko stratejik dengan menggunakan indikator atau parameter berupa tingkat kompleksitas strategi bisnis Bank, posisi bisnis MnC Bank di industri perbankan, pencapaian rencana bisnis dan kesesuaian strategi dengan kondisi lingkungan bisnis.

RISIKo KEpATUHANrisiko kepatuhan adalah risiko akibat tidak mematuhi dan/atau tidak melaksanakan peraturan perundang-undangan dan ketentuan yang berlaku.

MnC Bank continuously monitors market conditions and collects key information pertinent to decision and strategy making. Based on market monitoring, MnC Bank has a diverse portfolio of products in order to achieve its strategic plan.

MnC Bank has a process to identify and respond to changes in the external and internal business environment with the stages of strategic risk management process as follows:a. Business environment analysis: analyzes internal

and external factors, seizes opportunities and challenges arising from the change of business environment, and analyzes internal strengths and weaknesses.

b. Planning: set goals to be achieved tailored to the complexity of business, risk profile and risk bearing capacity, and Board of Directors sets the policies and strategies on which to base subsequent decisions.

c. Implementation: allocate necessary resources both financial and human capital, complete work programs, and the commitment of the Board of Directors to allocate required resources.

d. evaluation: evaluate actual conditions against plan and take corrective actions.

To measure the progress of strategic plan, MnC Bank periodically reviews the achievement of targets that is monitored and reported through network Group, Corporate Planning, and strategic Group units, and management reporting to MnC Bank’s management.

MnC Bank also analyzes strategic risk on quarterly basis using business strategy complexity level indicators or parameters, MnC Bank’s position in the banking industry, achievement of business plan and strategy’s relevance with current business environment.

coMpLIANcE RISKCompliance risk arises from MnC Bank’s failure to comply with the laws and regulations as well as other applicable requirements from the regulators.

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organisasi Manajemen Risiko KepatuhanMnC Bank memiliki satuan kerja kepatuhan yang bertanggung jawab langsung kepada Direktur yang membawahi fungsi kepatuhan dan satuan kerja Manajemen risiko.

strategi manajemen risiko dan efektivitas penerapan manajemen risiko untuk risiko kepatuhan, terutama dalam rangka memastikan penyusunan kebijakan dan prosedur telah sesuai dengan standar yang berlaku secara umum, ketentuan dan/atau peraturan perundang-undangan yang berlaku.

Upaya yang dilakukan MnC Bank terkait dalam strategi dan efektivitas penerapan risiko kepatuhan agar terciptanya budaya kepatuhan pada seluruh kegiatan usaha MnC Bank antara lain:a. Mewujudkan terlaksananya budaya kepatuhan

pada semua tingkatan organisasi dan kegiatan usaha MnC Bank.

b. Mengelola risiko kepatuhan yang dihadapi oleh MnC Bank.

c. Memastikan agar kebijakan, ketentuan, sistem dan prosedur serta kegiatan usaha yang dilakukan oleh bank telah sesuai dengan ketentuan yang berlaku.

d. Memastikan kepatuhan MnC Bank terhadap komitmen yang dibuat oleh Bank kepada otoritas pengawas yang berwenang.

Mekanisme pemantauan dan pengendalian Risiko KepatuhanMekanisme pemantauan dan pengendalian risiko kepatuhan yang dilakukan oleh satuan kerja kepatuhan adalah dengan:a. Melakukan sosialisasi PBI dan/atau oJk yang

diterbitkan melalui media sosialisasi e-mail blast atau compliance news.

b. Membuat Checklist Pemenuhan ketentuan yang berisi daftar ketentuan yang berlaku untuk digunakan sebagai media kontrol risiko kepatuhan oleh Risk Taking Unit.

c. Berperan aktif dalam forum rapat komite Manajemen risiko dan komite Pemantau risiko bersama sama dengan satuan kerja Manajemen risiko, satuan kerja operasional dan satuan kerja audit Internal sebagai upaya mitigasi risiko, termasuk risiko kepatuhan MnC Bank.

d. Memberikan pelatihan pelaksanaan fungsi kepatuhan MnC Bank dan ketentuan Bank Indonesia dan/atau oJk kepada para karyawan

compliance Risk Management organizationMnC Bank has a Compliance Division responsible directly to the Director in charge of Compliance function and risk Management Unit.

MnC Bank’s risk management strategy and effectiveness of risk management implementation for compliance risk, especially with respect to policies and procedures, are in accordance with the generally accepted standards, terms, and/or prevailing laws and regulations.

MnC Bank undertakes the following measures in relation to the implementation of compliance risk management and its effectiveness, in order to create compliance culture across all activities:a. Fosters compliance culture bank-wide and across

all activities.

b. Manages compliance risk encountered by MnC Bank.

c. ensures that all policies, terms, systems, procedures, and business activities conform to the prevailing laws and regulations.

d. ensures MnC Bank’s compliance with its commitment to banking authorities.

compliance Risk Management Monitoring and controlling MechanismThe mechanism of compliance risk monitoring and control carried out by the Compliance unit consists the following:a. Disseminates Bank Indonesia and/or oJk

regulations through e-mail blast or compliance news.

b. Creates a Compliance Checklist that lists down applicable provisions. The checklist is used by the risk Taking Units to control compliance risk.

c. actively participates in risk Management Committee and risk oversight Committee meetings with risk Management and operational units as well as Internal audit Unit as part of risk mitigation efforts, including compliance risk.

d. Provides training and implementation of MnC Bank’s compliance function with Bank Indonesia regulations to employees to improve

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untuk meningkatkan compliance awareness dan budaya kepatuhan di lingkungan kerja.

Dalam hal pengelolaan risiko kepatuhan, satuan kerja kepatuhan menyampaikan eksposur risiko kepatuhan kepada Direksi. Di dalam penyampaian eksposur risiko kepatuhan, turut melibatkan lini kedua sesuai skema Tiga lini Pertahanan.

RISIKo REpUTASIrisiko reputasi adalah risiko akibat menurunnya tingkat kepercayaan stakeholder yang bersumber dari persepsi negative terhadap MnC Bank. risiko ini melekat dalam setiap kegiatan yang dilakukan oleh MnC Bank. kegagalan MnC Bank dalam menjaga reputasinya di mata mesyarakat dapat menimbulkan pandangan maupun persepsi negative masyarakat terhadap MnC Bank.

organisasi Manajemen Risiko ReputasiPelaksanaan manajemen risiko reputasi dilakukan oleh unit-unit terkait (Corporate Secretary, Service Quality dan unit bisnis terkait).

setiap bulan secara berkala Corporate Secretary melaporkan hasil evaluasi manajemen risiko reputasi melalui Laporan Profil Risiko Bank kepada unit satuan kerja Manajemen risiko yang kemudian dilaporkan kepada komite Manajemen risiko, serta kepada komite Pemantau risiko.

selain pelaksanaan tugas oleh Corporate Secretary dan Service Quality, untuk mendukung pengelolaan risiko reputasi, MnC Bank telah membentuk dan memiliki Call Center dan website sebagai media penyampaian informasi dan penanganan keluhan nasabah untuk kemudia ditindaklanjuti oleh unit-unit kerja terkait penyelesaiannya.

pengelolaan risiko reputasi pada saat krisisDalam hal pengelolaan risiko reputasi saat krisis, MnC Bank memiliki prosedur Business Continuity Plan (BCP) yang disusun berdasarkan PBI no.9/15/PBI/2007. Dalam organisasi BCP, Corporate Secretary memegang peranan sebagai koordinator kehumasan yang memiliki tugas yaitu memantau informasi terkait masalah yang timbul, menginformasikan kepada badan regulasi dan melakukan komunikasi dengan media dan masyarakat untuk mengelola risiko reputasi saat krisis.

their compliance awareness and the culture of compliance in the workplace.

The Compliance Unit reports its compliance risk management to the Board of Directors and involves the second line of Defense in reporting the compliance risk exposure to the Board of Directors according to the Three lines of Defense scheme.

REpUTATIoNAL RISKreputational risk is a risk resulting from declines of the stakeholders’ trust toward MnC Bank, among others due to the negative perception of MnC Bank. This risk is inherent to any activity of MnC Bank and failure to maintain its public reputation may lead to negative perception toward MnC Bank.

Reputational Risk Management organizationreputational risk management is implemented by concerned units (Corporate secretary, Quality service, and relevant business units).

The Corporate secretary reports the results of reputational risk management evaluation on monthly basis through Bank Risk Profile Report to Risk Management Unit. The report is forwarded to the risk Management Committee and the risk oversight Committee.

In addition to the duties of the Corporate secretary and Quality service, to support the management of reputational risk MnC Bank has established a call center and a website as information delivery and grievance handling channel. reports are followed-up and settled by relevant business units.

Reputational Risk Management During crisisanticipating reputational risk management during crisis, MnC Bank has Business Continuity Plan (BCP) procedure developed pursuant to Bank Indonesia regulation no.9/15/PBI/2007. In BCP organization, the Corporate secretary acts as the public relation affairs coordinator in BCP, and is responsible to monitor information on the arising issues, inform them to the Board of Directors, and communicate with the media and the public to manage MnC Bank’s reputation during crisis.

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Evaluasi pelaksanaan Sistem Manajemen Risiko

Fungsi pengawasan dan evaluasi manajemen risiko dilaksanakan melalui adanya berbagai komite terkait risiko dan unit kerja audit Internal. sebagai pelaksana pengendalian intern dan risk assurance, audit Internal akan secara aktif melakukan evaluasi dan rekomendasi terhadap kualitas dan proses tata kelola risiko pada MnC Bank secara keseluruhan. Disamping evaluasi secara internal, evaluasi manajemen risiko secara independen juga diperoleh dari audit eksternal maupun pihak-pihak eksternal lainnya untuk terus meningkatkan kualitas tata kelola risiko.

Output dari penerapan sistem informasi manajemen risiko salah satunya adalah sistem perhitungan aTMr kredit yang sudah efektif dipergunakan oleh Bank sejak Januari 2013. output lainnya adalah laporan profil risiko yang disusun oleh MNC Bank dengan berdasarkan kebijakan oJk yang dilaporkan oleh satuan kerja Manajemen risiko setiap bulan kepada komite Pemantau risiko. laporan ini meliputi laporan pengelolaan risiko antara lain risiko kredit, risiko pasar, risiko operasional, risiko likuiditas, risiko hukum, risiko stratejik, risiko kepatuhan dan risiko reputasi. laporan profil risiko tersebut mencakup parameter, indikator dan formula yang digunakan dalam menilai tingkat risiko dan sistem pengendalian risiko yang dilakukan oleh MnC Bank.

Kecukupan Proses Identifikasi, Pengukuran, pemantauan dan pengendalian RisikoProses identifikasi adalah langkah pertama yang dilakukan guna pengukuran, pemantauan dan pengendalian risiko. Identifikasi risiko bersifat proaktif dengan cakupan pada semua lini bisnis MnC Bank yang bermula dari lini pertama sampai dengan lini ketiga. Pengukuran eksposur risiko dilakukan sesuai dengan tipe bisnis, karakteristik yang mencakup seluruh kegiatan usaha dan kompleksitasnya.

Pemantauan dan pengendalian risiko didukung oleh sistem informasi manajemen risiko dan laporan berkala kepada Direksi, komite pemantau risko dan komite Manajemen risiko yang merupakan bagian dari penerapan sistem informasi manajemen yang efektif.

Risk Management System Implementation Evaluationrisk Management monitoring and evaluation functions carried out through various risk committees and Internal audit Unit. as an executor of internal control and risk assurance, Internal audit actively conducts risk evaluation and recommends the risk governance quality and processes in MnC Bank. aside from internal evaluation, independent evaluation is also carried out by an external audit or other external parties to continue improving the quality of risk governance.

The output of risk management information system includes the calculation of rWa for credit risk that MnC Bank has been effectively using as of January 2013. Another output is risk profile reports that MNC Bank prepares in accordance with Financial services authority regulations and reported by the risk Management unit on monthly basis to the risk oversight Committee. The reports include a risk management report that contains credit risk, market risk, operational risk, liquidity risk, legal risk, strategic risk, compliance risk, and reputation risk. The risk profile report includes parameters, indicators and formulas used in assessing the level of risk and risk control system carried out by MnC Bank.

Adequacy of Risk Identification, Measurement, Monitoring, and controlThe first step to measure, monitor, and control risk is risk identification – a proactive process that covers all lines of MNC Bank’s business starting from the first to the third line. risk exposure calculation is performed by business type and characteristics that considers all business activities and their complexity.

risk monitoring and control is supported by risk management information system and periodical report to the Board of Directors, risk oversight Committee, and risk Management Committee as part of an effective risk management information system.

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Tabel 1.a. pengungkapan Kuantitatif Struktur permodalan Bank Umum | Quantitative Disclosures capital Structure commercial Bank(dalam jutaan rupiah | In Million rupiah)

KoMpoNEN MoDALCore CaPITal 2016 2015

(1) (2) (3) (4)

I komponen Modal | Capital Component

a Modal Inti | Core Capital 1,598,917 1,402,880

1. Modal disetor | Paid-in Capital 2,058,147 1,912,956

2. Cadangan Tambahan Modal | reserves of additional Capital (380,827) (436,116)

3. Modal Inovatif | Innovative Capital

4. Faktor Pengurang Modal Inti | Core Capital Deduction Factor 78,403 73,960

5. kepentingan non Pengendali | non-Controlling Interests - -

B Modal Pelengkap | supplementary Capital 82,469 92,631

1. level atas (Upper Tier 2) | Upper Tier 2 82,469 92,631

2. level Bawah (lower Tier 2) maksimum 50% Modal Inti | lower Tier 2, maximum 50% of Core Capital

3. Faktor Pengurang Modal Pelengkap | supplementary Capital Deduction Factor

C Faktor Pengurang Modal Inti dan Modal Pelengkap | Core Capital and supplementary Capital Deduction Factor

- -

eksposure sekuritisasi | securitization exposure

D Modal Pelengkap Tambahan yang Memenuhi Persyaratan (Tier 3) | eligible additional supplementary Capital (Tier 3)

e Modal Pelengkap Tambahan yang Dialokasikan untuk Mengantisipasi risiko Pasar | anticipation additional supplementary Capital

II Total Modal Inti dan Modal Pelengkap (a+B-C) | Total Core Capital and supplementary Capital (a+B-C)

1,681,386 1,495,512

III Total Modal Inti, Modal Pelengkap, dan Modal Pelengkap Tambahan yang Dialokasikan untuk Mengantisipasi risiko Pasar (a+B-C+e) | Total Core Capital, supplementary Capital, and additional supplementary Capital to anticipate Market risk (a+B-C+e)

1,681,386 1,495,512

IV aset Tertimbang Menurut risiko (aTMr) untuk risiko kredit | risk Weighted assets (rWa) for Credit risk

7,847,156 7,410,502

V aset Tertimbang Menurut risiko (aTMr) untuk risiko operasional | risk Weighted assets (rWa) for operational risk

667,322 685,745

VI aset Tertimbang Menurut risiko (aTMr) untuk risiko Pasar | risk Weighted assets (rWa) for Market risk

90,494 291,290

a Metode standar | standardized Method 90,494 291,290

B Model Internal | Internal Method - -

VII rasio kewajban Penyediaan Modal Minimum untuk risiko kredit, risiko operasional dan risiko Pasar [III : (IV+V+VI)] | Capital adequacy ratio for Credit, operational, and Market risks [III: (IV+V+VI)]

19.54% 17.83%

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Tabel 2.1.a. pengungkapan Tagihan Bersih Berdasarkan wilayah - Bank secara Individual | Net Receivable Based on geography - Bank only(dalam jutaan rupiah | In Million rupiah)

No Kategori portofolioPortfolio Category

2016 2015Tagihan Bersih Berdasarkan wilayahnet receivable Based on Geography

Tagihan Bersih Berdasarkan wilayahnet receivable Based on Geography

Jawa Java

Sumaterasumatra

Kalimantan & Sulawesi

Lainnyaothers

Total Jawa Java

Sumaterasumatra

Kalimantan & Sulawesi

Lainnyaothers

Total

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)

1 Tagihan kepada Pemerintah | Claims on sovereign

2,962,291 - - - 2,962,291 2,204,771 2,204,771

2 Tagihan kepada enuitas sektor Publik | Claims on Public sector entity

- -

3 Tagihan kepada Bank Pembangunan Multilateral dan lembaga Internasional | Claims on Multilateral Development Banks and International Institutions

- -

4 Tagihan kepada Bank | Claims on Banks

1,192,960 - 6,158 - 1,199,118 2,245,901 - 10,365 - 2,256,266

5 kredit Beragun rumah Tinggal | Claims secured by residential Property

382,059 52,421 189,581 - 624,060 228,906 24,907 139,194 393,008

6 kredit Beragun Properti komersial | Claims secured by Commercial real estate

234,483 - 259,127 - 493,610 70,168 47,372 117,540

7 kredit Pegawai / Pensiunan | employee loan/Pension

51,464 51,898 60,668 - 164,029 65,859 68,338 74,051 208,248

8 Tagihan kepada Usaha Mikro, Usaha kecil dan Portofolio ritel | Claims on Micro and small enterprise and retail Portfolio

1,707,575 243,219 250,949 - 2,201,742 111,876 20,971 38,628 171,476

9 Tagihan kepada korporasi | Claims on Corporate

3,988,240 198,247 377,909 - 4,564,395 5,222,796 572,471 427,139 6,222,406

10 Tagihan yang Telah Jatuh Tempo | Past Due Claims

291,982 52,640 26,767 - 371,389 155,463 17,428 44,625 217,516

11 aset lainnya | other assets 411,533 37,398 27,983 - 476,914 292,904 34,838 18,032 345,774

Total 11,222,586 635,822 1,199,141 - 13,057,549 10,598,645 738,953 799,406 - 12,137,004

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Tabel 2.1.a. pengungkapan Tagihan Bersih Berdasarkan wilayah - Bank secara Individual | Net Receivable Based on geography - Bank only(dalam jutaan rupiah | In Million rupiah)

No Kategori portofolioPortfolio Category

2016 2015Tagihan Bersih Berdasarkan wilayahnet receivable Based on Geography

Tagihan Bersih Berdasarkan wilayahnet receivable Based on Geography

Jawa Java

Sumaterasumatra

Kalimantan & Sulawesi

Lainnyaothers

Total Jawa Java

Sumaterasumatra

Kalimantan & Sulawesi

Lainnyaothers

Total

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)

1 Tagihan kepada Pemerintah | Claims on sovereign

2,962,291 - - - 2,962,291 2,204,771 2,204,771

2 Tagihan kepada enuitas sektor Publik | Claims on Public sector entity

- -

3 Tagihan kepada Bank Pembangunan Multilateral dan lembaga Internasional | Claims on Multilateral Development Banks and International Institutions

- -

4 Tagihan kepada Bank | Claims on Banks

1,192,960 - 6,158 - 1,199,118 2,245,901 - 10,365 - 2,256,266

5 kredit Beragun rumah Tinggal | Claims secured by residential Property

382,059 52,421 189,581 - 624,060 228,906 24,907 139,194 393,008

6 kredit Beragun Properti komersial | Claims secured by Commercial real estate

234,483 - 259,127 - 493,610 70,168 47,372 117,540

7 kredit Pegawai / Pensiunan | employee loan/Pension

51,464 51,898 60,668 - 164,029 65,859 68,338 74,051 208,248

8 Tagihan kepada Usaha Mikro, Usaha kecil dan Portofolio ritel | Claims on Micro and small enterprise and retail Portfolio

1,707,575 243,219 250,949 - 2,201,742 111,876 20,971 38,628 171,476

9 Tagihan kepada korporasi | Claims on Corporate

3,988,240 198,247 377,909 - 4,564,395 5,222,796 572,471 427,139 6,222,406

10 Tagihan yang Telah Jatuh Tempo | Past Due Claims

291,982 52,640 26,767 - 371,389 155,463 17,428 44,625 217,516

11 aset lainnya | other assets 411,533 37,398 27,983 - 476,914 292,904 34,838 18,032 345,774

Total 11,222,586 635,822 1,199,141 - 13,057,549 10,598,645 738,953 799,406 - 12,137,004

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Tabel 2.2.a. pengungkapan Tagihan Bersih Berdasarkan Sisa Jangka waktu Kontrak - Bank secara Individual | Net Receivable Based on Remaining contractual Maturity - Bank only(dalam jutaan rupiah | In Million rupiah)

No Kategori portofolioPortfolio Category

2016 2015

Tagihan Bersih Berdasarkan Sisa Jangka waktu Kontraknet receivable Based on remaining Contractual Maturity

Tagihan Bersih Berdasarkan Sisa Jangka waktu Kontraknet receivable Based on remaining Contractual Maturity

≤ 1 tahun< 1 year

>1 thn s.d. 3 thn1 year up to 3 years

>3 thn s.d. 5 thn3 years up to 5 years

> 5 thn> 5 years

Non-Kontraktual

non-Contractual

Total ≤ 1 tahun< 1 year

>1 thn s.d. 3 thn

1 year up to 3 years

>3 thn s.d. 5 thn

3 years up to 5 years

> 5 thn> 5 years

Non-Kontraktual

non-Contractual

Total

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)

1 Tagihan kepada Pemerintah | Claims on sovereign

2,204,140 71,712 - 683,964 2,475 2,962,291 1,398,137 123,044 49,458 634,132 - 2,204,771

2 Tagihan kepada enuitas sektor Publik | Claims on Public sector entity

- -

3 Tagihan kepada Bank Pembangunan Multilateral dan lembaga Internasional | Claims on Multilateral Development Banks and International Institutions

- -

4 Tagihan kepada Bank | Claims on Banks

1,059,069 112,707 27,033 - 309 1,199,118 2,169,004 83,112 3,429 - 721 2,256,266

5 kredit Beragun rumah Tinggal | Claims secured by residential Property

775 9,331 76,412 537,542 - 624,060 765 16,107 49,769 326,366 - 393,008

6 kredit Beragun Properti komersial | Claims secured by Commercial real estate

11,024 146,097 84,338 252,152 - 493,610 - 23,933 86,571 7,036 - 117,540

7 kredit Pegawai / Pensiunan | employee loan/Pension

2,858 19,768 33,228 108,176 - 164,029 15,164 44,035 54,186 94,864 - 208,248

8 Tagihan kepada Usaha Mikro, Usaha kecil dan Portofolio ritel | Claims on Micro and small enterprise and retail Portfolio

314,057 1,276,482 301,905 309,297 - 2,201,742 51,816 91,893 18,874 8,894 - 171,476

9 Tagihan kepada korporasi | Claims on Corporate

2,242,306 1,001,425 933,867 384,739 2,058 4,564,395 2,397,584 2,231,170 969,455 616,678 7,519 6,222,406

10 Tagihan yang Telah Jatuh Tempo | Past Due Claims

90,472 43,679 200,157 37,081 - 371,389 109,713 58,310 11,033 38,460 - 217,516

11 aset lainnya | other assets 190,407 - - - 286,507 476,914 115,365 - - - 230,409 345,774

Total 6,115,108 2,681,201 1,656,940 2,312,951 291,349 13,057,549 6,257,549 2,671,603 1,242,775 1,726,428 238,649 12,137,004

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Tabel 2.2.a. pengungkapan Tagihan Bersih Berdasarkan Sisa Jangka waktu Kontrak - Bank secara Individual | Net Receivable Based on Remaining contractual Maturity - Bank only(dalam jutaan rupiah | In Million rupiah)

No Kategori portofolioPortfolio Category

2016 2015

Tagihan Bersih Berdasarkan Sisa Jangka waktu Kontraknet receivable Based on remaining Contractual Maturity

Tagihan Bersih Berdasarkan Sisa Jangka waktu Kontraknet receivable Based on remaining Contractual Maturity

≤ 1 tahun< 1 year

>1 thn s.d. 3 thn1 year up to 3 years

>3 thn s.d. 5 thn3 years up to 5 years

> 5 thn> 5 years

Non-Kontraktual

non-Contractual

Total ≤ 1 tahun< 1 year

>1 thn s.d. 3 thn

1 year up to 3 years

>3 thn s.d. 5 thn

3 years up to 5 years

> 5 thn> 5 years

Non-Kontraktual

non-Contractual

Total

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)

1 Tagihan kepada Pemerintah | Claims on sovereign

2,204,140 71,712 - 683,964 2,475 2,962,291 1,398,137 123,044 49,458 634,132 - 2,204,771

2 Tagihan kepada enuitas sektor Publik | Claims on Public sector entity

- -

3 Tagihan kepada Bank Pembangunan Multilateral dan lembaga Internasional | Claims on Multilateral Development Banks and International Institutions

- -

4 Tagihan kepada Bank | Claims on Banks

1,059,069 112,707 27,033 - 309 1,199,118 2,169,004 83,112 3,429 - 721 2,256,266

5 kredit Beragun rumah Tinggal | Claims secured by residential Property

775 9,331 76,412 537,542 - 624,060 765 16,107 49,769 326,366 - 393,008

6 kredit Beragun Properti komersial | Claims secured by Commercial real estate

11,024 146,097 84,338 252,152 - 493,610 - 23,933 86,571 7,036 - 117,540

7 kredit Pegawai / Pensiunan | employee loan/Pension

2,858 19,768 33,228 108,176 - 164,029 15,164 44,035 54,186 94,864 - 208,248

8 Tagihan kepada Usaha Mikro, Usaha kecil dan Portofolio ritel | Claims on Micro and small enterprise and retail Portfolio

314,057 1,276,482 301,905 309,297 - 2,201,742 51,816 91,893 18,874 8,894 - 171,476

9 Tagihan kepada korporasi | Claims on Corporate

2,242,306 1,001,425 933,867 384,739 2,058 4,564,395 2,397,584 2,231,170 969,455 616,678 7,519 6,222,406

10 Tagihan yang Telah Jatuh Tempo | Past Due Claims

90,472 43,679 200,157 37,081 - 371,389 109,713 58,310 11,033 38,460 - 217,516

11 aset lainnya | other assets 190,407 - - - 286,507 476,914 115,365 - - - 230,409 345,774

Total 6,115,108 2,681,201 1,656,940 2,312,951 291,349 13,057,549 6,257,549 2,671,603 1,242,775 1,726,428 238,649 12,137,004

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Tabel 2.3.a.(dalam jutaan rupiah | In Million rupiah)

2016

No Sektor Ekonomieconomy sectors

Tagihan Kepada

pemerintahClaims on sovereign

Tagihan Kepada

Entitas Sektor publik

Claims on Public sector

entity

Tagihan Kepada Bank pembangunan

Multilateral dan Lembaga Internasional

Claims on Multilateral

Development Banks and

securities Firm

Tagihan Kepada

BankClaims on

Banks

Kredit Beragun Rumah Tinggal Claims

secured By residential Property

Kredit Beragun properti

Komersial Claims

secured By Commercial real estate

Kredit pegawai / pensiunan employee

loan/Pension

Tagihan Kepada Usaha Mikro,

Usaha Kecil dan portofolio Ritel

Claims on Micro and small enterprise, and retail Portfolio

Tagihan Kepada

Korporasi Claims on Corporate

Tagihan Yang Telah Jatuh

Tempo Past Due

loans

Aset Lainnya

other assets

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)

1 Pertanian, Perburuan dan kehutanan | agriculture, Hunting and Forestry

- - - - - 868 - 385 -

2 Perikanan | Fishery - - - - - 14 - 729 -

3 Pertambangan dan Penggalian | Mining and excavation

- - - - - - 14,961 - -

4 Industri Pengolahan | Manufacturing - - - - - 51,803 859,414 14,054 -

5 listrik, Gas dan air | electricity, Gas and Water - - - - - 486 47,812 - -

6 konstruksi | Construction - - 2,301 659 - 7,326 286,723 133,924 -

7 Perdagangan Besar dan eceran | Wholesale and retail Trading

- - - 11,024 - 25,943 298,927 93,063 -

8 Penyediaan akomodasi dan Penyediaan Makan Minum | accommodation and Food and Beverage

- - - 92,733 - 2,441 303,090 5,000 -

9 Transportasi, Pergudangan dan komunikasi | Transportation, Warehouse and Communication

- - - - - 59,475 221,517 3,220 -

10 Perantara keuangan | Financial Brokerage - 12,234 - - - 344,497 1,079,549 12,697 -

11 real estate, Usaha Persewaan dan Jasa Perusahaan | real estate, leasing and Corporate services

- - - 389,195 - 12,951 562,809 57,469 -

12 administrasi Pemerintahan, Pertahanan dan Jaminan sosial Wajib | Public administration, Defense, and Compulsory social security

- - - - - - - - -

13 Jasa Pendidikan | education services - - - - - 301 15,725 - -

14 Jasa kesehatan dan kegiatan sosial | Health and social services

- - - - - 606 - 557 -

15 Jasa kemasyarakatan, sosial Budaya, Hiburan dan Perorangan lainnya | Public, socio-culture, entertainment and other Personal services

- - - - - 5,257 10,028 8,112 -

16 Jasa Perorangan yang Melayani rumah Tangga | Personal services for household

- - - - - 134 - - -

17 Badan Internasional dan Badan ekstra Internasional lainnya | International institution and other international extra agencies

- - - - - - - - -

18 kegiatan yang Belum Jelas Batasannya | Undefined Activities

- - - - - 2,452 5,351 1,410 -

19 Bukan lapangan Usaha | non-Business activity - - 421,304 - - 1,251,604 111,229 37,752 -

20 lainnya | others 2,962,291 1,186,884 200,455 - 164,029 435,584 747,262 3,015 476,914

Total 2,962,291 - - 1,199,118 624,060 493,610 164,029 2,201,742 4,564,395 371,389 476,914

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Tabel 2.3.a.(dalam jutaan rupiah | In Million rupiah)

2016

No Sektor Ekonomieconomy sectors

Tagihan Kepada

pemerintahClaims on sovereign

Tagihan Kepada

Entitas Sektor publik

Claims on Public sector

entity

Tagihan Kepada Bank pembangunan

Multilateral dan Lembaga Internasional

Claims on Multilateral

Development Banks and

securities Firm

Tagihan Kepada

BankClaims on

Banks

Kredit Beragun Rumah Tinggal Claims

secured By residential Property

Kredit Beragun properti

Komersial Claims

secured By Commercial real estate

Kredit pegawai / pensiunan employee

loan/Pension

Tagihan Kepada Usaha Mikro,

Usaha Kecil dan portofolio Ritel

Claims on Micro and small enterprise, and retail Portfolio

Tagihan Kepada

Korporasi Claims on Corporate

Tagihan Yang Telah Jatuh

Tempo Past Due

loans

Aset Lainnya

other assets

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)

1 Pertanian, Perburuan dan kehutanan | agriculture, Hunting and Forestry

- - - - - 868 - 385 -

2 Perikanan | Fishery - - - - - 14 - 729 -

3 Pertambangan dan Penggalian | Mining and excavation

- - - - - - 14,961 - -

4 Industri Pengolahan | Manufacturing - - - - - 51,803 859,414 14,054 -

5 listrik, Gas dan air | electricity, Gas and Water - - - - - 486 47,812 - -

6 konstruksi | Construction - - 2,301 659 - 7,326 286,723 133,924 -

7 Perdagangan Besar dan eceran | Wholesale and retail Trading

- - - 11,024 - 25,943 298,927 93,063 -

8 Penyediaan akomodasi dan Penyediaan Makan Minum | accommodation and Food and Beverage

- - - 92,733 - 2,441 303,090 5,000 -

9 Transportasi, Pergudangan dan komunikasi | Transportation, Warehouse and Communication

- - - - - 59,475 221,517 3,220 -

10 Perantara keuangan | Financial Brokerage - 12,234 - - - 344,497 1,079,549 12,697 -

11 real estate, Usaha Persewaan dan Jasa Perusahaan | real estate, leasing and Corporate services

- - - 389,195 - 12,951 562,809 57,469 -

12 administrasi Pemerintahan, Pertahanan dan Jaminan sosial Wajib | Public administration, Defense, and Compulsory social security

- - - - - - - - -

13 Jasa Pendidikan | education services - - - - - 301 15,725 - -

14 Jasa kesehatan dan kegiatan sosial | Health and social services

- - - - - 606 - 557 -

15 Jasa kemasyarakatan, sosial Budaya, Hiburan dan Perorangan lainnya | Public, socio-culture, entertainment and other Personal services

- - - - - 5,257 10,028 8,112 -

16 Jasa Perorangan yang Melayani rumah Tangga | Personal services for household

- - - - - 134 - - -

17 Badan Internasional dan Badan ekstra Internasional lainnya | International institution and other international extra agencies

- - - - - - - - -

18 kegiatan yang Belum Jelas Batasannya | Undefined Activities

- - - - - 2,452 5,351 1,410 -

19 Bukan lapangan Usaha | non-Business activity - - 421,304 - - 1,251,604 111,229 37,752 -

20 lainnya | others 2,962,291 1,186,884 200,455 - 164,029 435,584 747,262 3,015 476,914

Total 2,962,291 - - 1,199,118 624,060 493,610 164,029 2,201,742 4,564,395 371,389 476,914

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Tabel 2.3.a.(dalam jutaan rupiah | In Million rupiah)

2015

No Sektor Ekonomieconomy sectors

Tagihan Kepada

pemerintahClaims on sovereign

Tagihan Kepada

Entitas Sektor publik

Claims on Public sector

entity

Tagihan Kepada Bank pembangunan

Multilateral dan Lembaga Internasional

Claims on Multilateral

Development Banks and

securities Firm

Tagihan Kepada

BankClaims on

Banks

Kredit Beragun Rumah Tinggal Claims

secured By residential Property

Kredit Beragun properti

Komersial Claims

secured By Commercial real estate

Kredit pegawai / pensiunan employee

loan/Pension

Tagihan Kepada Usaha Mikro,

Usaha Kecil dan portofolio Ritel

Claims on Micro and small enterprise, and retail Portfolio

Tagihan Kepada

Korporasi Claims on Corporate

Tagihan Yang Telah Jatuh

Tempo Past Due

loans

Aset Lainnya other assets

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)

1 Pertanian, Perburuan dan kehutanan | agriculture, Hunting and Forestry

- - - - - 2,153 902 618 -

2 Perikanan | Fishery - - - - - 2,291 868 - -

3 Pertambangan dan Penggalian | Mining and excavation

- - - - - - 21,502 450 -

4 Industri Pengolahan | Manufacturing - - - - - 11,606 1,199,476 7,575 -

5 listrik, Gas dan air | electricity, Gas and Water

- - - - - 39 52,044 - -

6 konstruksi | Construction - - - 776 - 8,436 391,077 1,949 -

7 Perdagangan Besar dan eceran | Wholesale and retail Trading

- - 1,026 - - 62,057 487,772 53,720 -

8 Penyediaan akomodasi dan Penyediaan Makan Minum | accommodation and Food and Beverage

- - - 69,392 - 6,624 76,756 4,643 -

9 Transportasi, Pergudangan dan komunikasi | Transportation, Warehouse and Communication

- - - - - 1,065 368,268 22,886 -

10 Perantara keuangan | Financial Brokerage - 27,911 - - - 5,118 1,453,516 10,908 -

11 real estate, Usaha Persewaan dan Jasa Perusahaan | real estate, leasing and Corporate services

- - 60 47,372 - 3,231 269,983 62,095 -

12 administrasi Pemerintahan, Pertahanan dan Jaminan sosial Wajib | Public administration, Defense, and Compulsory social security

- - - - - - - - -

13 Jasa Pendidikan | education services - - - - - 435 19,867 - -

14 Jasa kesehatan dan kegiatan sosial | Health and social services

- - - - - 848 550 571 -

15 Jasa kemasyarakatan, sosial Budaya, Hiburan dan Perorangan lainnya | Public, socio-culture, entertainment and other Personal services

- - - - - 7,997 19,701 5,320 -

16 Jasa Perorangan yang Melayani rumah Tangga | Personal services for household

- - - - - 328 - - -

17 Badan Internasional dan Badan ekstra Internasional lainnya | International institution and other international extra agencies

- - - - - - - - -

18 kegiatan yang Belum Jelas Batasannya | Undefined Activities

- - - - - 4,242 1,506 4,543 -

19 Bukan lapangan Usaha | non-Business activity

- - 387,320 - 208,248 54,586 1,348,354 42,236 -

20 lainnya | others 2,204,771 2,228,355 4,603 - - 421 510,264 - 345,774

Total 2,204,771 - - 2,256,266 393,008 117,540 208,248 171,476 6,222,406 217,516 345,774

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149

Powering GrowthToward Excellent Execution

MANAJEMEN RISIKORisk Management

Tabel 2.3.a.(dalam jutaan rupiah | In Million rupiah)

2015

No Sektor Ekonomieconomy sectors

Tagihan Kepada

pemerintahClaims on sovereign

Tagihan Kepada

Entitas Sektor publik

Claims on Public sector

entity

Tagihan Kepada Bank pembangunan

Multilateral dan Lembaga Internasional

Claims on Multilateral

Development Banks and

securities Firm

Tagihan Kepada

BankClaims on

Banks

Kredit Beragun Rumah Tinggal Claims

secured By residential Property

Kredit Beragun properti

Komersial Claims

secured By Commercial real estate

Kredit pegawai / pensiunan employee

loan/Pension

Tagihan Kepada Usaha Mikro,

Usaha Kecil dan portofolio Ritel

Claims on Micro and small enterprise, and retail Portfolio

Tagihan Kepada

Korporasi Claims on Corporate

Tagihan Yang Telah Jatuh

Tempo Past Due

loans

Aset Lainnya other assets

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)

1 Pertanian, Perburuan dan kehutanan | agriculture, Hunting and Forestry

- - - - - 2,153 902 618 -

2 Perikanan | Fishery - - - - - 2,291 868 - -

3 Pertambangan dan Penggalian | Mining and excavation

- - - - - - 21,502 450 -

4 Industri Pengolahan | Manufacturing - - - - - 11,606 1,199,476 7,575 -

5 listrik, Gas dan air | electricity, Gas and Water

- - - - - 39 52,044 - -

6 konstruksi | Construction - - - 776 - 8,436 391,077 1,949 -

7 Perdagangan Besar dan eceran | Wholesale and retail Trading

- - 1,026 - - 62,057 487,772 53,720 -

8 Penyediaan akomodasi dan Penyediaan Makan Minum | accommodation and Food and Beverage

- - - 69,392 - 6,624 76,756 4,643 -

9 Transportasi, Pergudangan dan komunikasi | Transportation, Warehouse and Communication

- - - - - 1,065 368,268 22,886 -

10 Perantara keuangan | Financial Brokerage - 27,911 - - - 5,118 1,453,516 10,908 -

11 real estate, Usaha Persewaan dan Jasa Perusahaan | real estate, leasing and Corporate services

- - 60 47,372 - 3,231 269,983 62,095 -

12 administrasi Pemerintahan, Pertahanan dan Jaminan sosial Wajib | Public administration, Defense, and Compulsory social security

- - - - - - - - -

13 Jasa Pendidikan | education services - - - - - 435 19,867 - -

14 Jasa kesehatan dan kegiatan sosial | Health and social services

- - - - - 848 550 571 -

15 Jasa kemasyarakatan, sosial Budaya, Hiburan dan Perorangan lainnya | Public, socio-culture, entertainment and other Personal services

- - - - - 7,997 19,701 5,320 -

16 Jasa Perorangan yang Melayani rumah Tangga | Personal services for household

- - - - - 328 - - -

17 Badan Internasional dan Badan ekstra Internasional lainnya | International institution and other international extra agencies

- - - - - - - - -

18 kegiatan yang Belum Jelas Batasannya | Undefined Activities

- - - - - 4,242 1,506 4,543 -

19 Bukan lapangan Usaha | non-Business activity

- - 387,320 - 208,248 54,586 1,348,354 42,236 -

20 lainnya | others 2,204,771 2,228,355 4,603 - - 421 510,264 - 345,774

Total 2,204,771 - - 2,256,266 393,008 117,540 208,248 171,476 6,222,406 217,516 345,774

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150

Tinjauan operasionaloperational review

MANAJEMEN RISIKORisk Management

Tabel 2.4.a. pengungkapan Tagihan dan pencadangan Berdasarkan wilayah - Bank secara Individual | Disclosure of Receivable and provision based on geography - Bank only(dalam jutaan rupiah | In Million rupiah)

No Kategori portofolioPortfolio Category

2016 2015

wilayah | Geography wilayah | Geography

JawaJava

Sumaterasumatra

Kalimantan & Sulawesi

Lainnyaothers Total Jawa

JavaSumaterasumatra

Kalimantan & Sulawesi

Lainnyaothers Total

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)

1 Tagihan (non Impaired) | receivable

11,087,096 576,728 1,162,179 - 12,826,002 10,435,975 715,709 742,518 - 11,894,202

2 Tagihan Yang Mengalami Penurunan nilai (Impaired) | Impaired assets

a. Belum Jatuh Tempo | Current (<90dpd)

3,703 93 4,507 - 8,302 5,946 391 4,294 - 10,631

b. Telah Jatuh Tempo | Past Due (>90dpd)

123,764 60,525 28,698 - 212,987 128,707 22,018 48,018 - 198,742

3 Cadangan kerugian Penurunan nilai (CkPn) - Individual | Individual Impairment Provision

16,668 5,032 3,222 - 24,922 12,462 2,714 2,908 - 18,084

4 Cadangan kerugian Penurunan nilai (CkPn) - kolektif | Portfolio Impairment Provision

22,177 3,656 1,767 - 27,600 13,151 4,434 2,294 - 19,879

5 Tagihan Yang Dihapus Buku | Write-off

21,333 3,374 576 - 25,283 90,845 1,801 5,310 - 97,955

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PT Bank MnC InTernasIonal TBk | laPoran TaHUnan 2016 annUal rePorT

151

Powering GrowthToward Excellent Execution

MANAJEMEN RISIKORisk Management

Tabel 2.4.a. pengungkapan Tagihan dan pencadangan Berdasarkan wilayah - Bank secara Individual | Disclosure of Receivable and provision based on geography - Bank only(dalam jutaan rupiah | In Million rupiah)

No Kategori portofolioPortfolio Category

2016 2015

wilayah | Geography wilayah | Geography

JawaJava

Sumaterasumatra

Kalimantan & Sulawesi

Lainnyaothers Total Jawa

JavaSumaterasumatra

Kalimantan & Sulawesi

Lainnyaothers Total

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)

1 Tagihan (non Impaired) | receivable

11,087,096 576,728 1,162,179 - 12,826,002 10,435,975 715,709 742,518 - 11,894,202

2 Tagihan Yang Mengalami Penurunan nilai (Impaired) | Impaired assets

a. Belum Jatuh Tempo | Current (<90dpd)

3,703 93 4,507 - 8,302 5,946 391 4,294 - 10,631

b. Telah Jatuh Tempo | Past Due (>90dpd)

123,764 60,525 28,698 - 212,987 128,707 22,018 48,018 - 198,742

3 Cadangan kerugian Penurunan nilai (CkPn) - Individual | Individual Impairment Provision

16,668 5,032 3,222 - 24,922 12,462 2,714 2,908 - 18,084

4 Cadangan kerugian Penurunan nilai (CkPn) - kolektif | Portfolio Impairment Provision

22,177 3,656 1,767 - 27,600 13,151 4,434 2,294 - 19,879

5 Tagihan Yang Dihapus Buku | Write-off

21,333 3,374 576 - 25,283 90,845 1,801 5,310 - 97,955

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152

Tinjauan operasionaloperational review

MANAJEMEN RISIKORisk Management

Tabel 2.5.a. pengungkapan Tagihan dan pencadangan Berdasarkan Sektor Ekonomi - Bank secara Individual | Disclosure of Receivable and provision based on Economy Sector(dalam jutaan rupiah | In Million rupiah)

2016

No Sektor Ekonomieconomy sectors

Tagihanreceivable

Tagihan yang Mengalami penurunan Nilai

Impaired assetcKpN - Individual

Individual Impairment

Provision

cKpN - KolektifPorfolio Impairment

Provision

Tagihan Yang Dihapus Buku

Write-offBelum Jatuh Tempo

Current (<90dpd)

Telah Jatuh TempoPast Due (90dpd)

(1) (2) (3) (4) (5) (6) (7) (8)

1 Pertanian, Perburuan dan kehutanan | agriculture, Hunting and Forestry 868 - 629 - 244 -

2 Perikanan | Fishery 14 - 1,046 317 0 -

3 Pertambangan dan Penggalian | Mining and excavation 15,388 - - 463 1 168

4 Industri Pengolahan | Manufacturing 908,757 796 20,406 7,147 2,011 92

5 listrik, Gas dan air | electricity, Gas and Water 50,927 - - 453 2,176 -

6 konstruksi | Construction 421,264 3,744 2,799 161 642 -

7 Perdagangan Besar dan eceran | Wholesale and retail Trading 324,783 1,575 103,061 4,347 7,453 3,041

8 Penyediaan akomodasi dan Penyediaan Makan Minum | accommodation and Food and Beverage

384,325 - 5,168 0 220 -

9 Transportasi, Pergudangan dan komunikasi | Transportation, Warehouse and Communication

284,002 - 5,183 3,364 1,904 135

10 Perantara keuangan | Financial Brokerage 1,458,198 96 14,785 2,091 574 1,374

11 real estate, Usaha Persewaan dan Jasa Perusahaan | real estate, leasing and Corporate services

1,015,970 - 211 5,981 208 4,938

12 administrasi Pemerintahan, Pertahanan dan Jaminan sosial Wajib | Public administration, Defense, and Compulsory social security

- - - - - -

13 Jasa Pendidikan | education services 16,028 - - - 2 -

14 Jasa kesehatan dan kegiatan sosial | Health and social services 607 - 640 - 83 -

15 Jasa kemasyarakatan, sosial Budaya, Hiburan dan Perorangan lainnya | Public, socio-culture, entertainment and other Personal services

14,084 967 9,079 542 584 -

16 Jasa Perorangan yang Melayani rumah Tangga | Personal services for household 139 - - - 5 -

17 Badan Internasional dan Badan ekstra Internasional lainnya | International institution and other international extra agencies

- - - - - 7,513

18 kegiatan yang Belum Jelas Batasannya | Undefined Activities 7,984 - 1,429 - 239 8,021

19 Bukan lapangan Usaha | non-Business activity 1,786,292 1,124 44,435 56 9,907 -

20 lainnya | others 6,136,371 - 4,116 - 1,345 -

Total 12,826 8,302 212,987 24,922 27,600 25,283

Page 155: Toward Excellent - MNC Bank · 17 suspensi dan/atau Delisting Suspension and/or Delisting 18 peristiwa enting 2016 2016 Event Highlights prOFil perusaHaan Company Profile 48 identitas

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Powering GrowthToward Excellent Execution

MANAJEMEN RISIKORisk Management

Tabel 2.5.a. pengungkapan Tagihan dan pencadangan Berdasarkan Sektor Ekonomi - Bank secara Individual | Disclosure of Receivable and provision based on Economy Sector(dalam jutaan rupiah | In Million rupiah)

2016

No Sektor Ekonomieconomy sectors

Tagihanreceivable

Tagihan yang Mengalami penurunan Nilai

Impaired assetcKpN - Individual

Individual Impairment

Provision

cKpN - KolektifPorfolio Impairment

Provision

Tagihan Yang Dihapus Buku

Write-offBelum Jatuh Tempo

Current (<90dpd)

Telah Jatuh TempoPast Due (90dpd)

(1) (2) (3) (4) (5) (6) (7) (8)

1 Pertanian, Perburuan dan kehutanan | agriculture, Hunting and Forestry 868 - 629 - 244 -

2 Perikanan | Fishery 14 - 1,046 317 0 -

3 Pertambangan dan Penggalian | Mining and excavation 15,388 - - 463 1 168

4 Industri Pengolahan | Manufacturing 908,757 796 20,406 7,147 2,011 92

5 listrik, Gas dan air | electricity, Gas and Water 50,927 - - 453 2,176 -

6 konstruksi | Construction 421,264 3,744 2,799 161 642 -

7 Perdagangan Besar dan eceran | Wholesale and retail Trading 324,783 1,575 103,061 4,347 7,453 3,041

8 Penyediaan akomodasi dan Penyediaan Makan Minum | accommodation and Food and Beverage

384,325 - 5,168 0 220 -

9 Transportasi, Pergudangan dan komunikasi | Transportation, Warehouse and Communication

284,002 - 5,183 3,364 1,904 135

10 Perantara keuangan | Financial Brokerage 1,458,198 96 14,785 2,091 574 1,374

11 real estate, Usaha Persewaan dan Jasa Perusahaan | real estate, leasing and Corporate services

1,015,970 - 211 5,981 208 4,938

12 administrasi Pemerintahan, Pertahanan dan Jaminan sosial Wajib | Public administration, Defense, and Compulsory social security

- - - - - -

13 Jasa Pendidikan | education services 16,028 - - - 2 -

14 Jasa kesehatan dan kegiatan sosial | Health and social services 607 - 640 - 83 -

15 Jasa kemasyarakatan, sosial Budaya, Hiburan dan Perorangan lainnya | Public, socio-culture, entertainment and other Personal services

14,084 967 9,079 542 584 -

16 Jasa Perorangan yang Melayani rumah Tangga | Personal services for household 139 - - - 5 -

17 Badan Internasional dan Badan ekstra Internasional lainnya | International institution and other international extra agencies

- - - - - 7,513

18 kegiatan yang Belum Jelas Batasannya | Undefined Activities 7,984 - 1,429 - 239 8,021

19 Bukan lapangan Usaha | non-Business activity 1,786,292 1,124 44,435 56 9,907 -

20 lainnya | others 6,136,371 - 4,116 - 1,345 -

Total 12,826 8,302 212,987 24,922 27,600 25,283

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PT Bank MnC InTernasIonal TBk | laPoran TaHUnan 2016 annUal rePorT

154

Tinjauan operasionaloperational review

MANAJEMEN RISIKORisk Management

Tabel 2.5.a. pengungkapan Tagihan dan pencadangan Berdasarkan Sektor Ekonomi - Bank secara Individual | Disclosure of Receivable and provision based on Economy Sector - Bank only(dalam jutaan rupiah | In Million rupiah)

2015

No Sektor Ekonomieconomy sectors

Tagihanreceivable

Tagihan yang Mengalami penurunan Nilai

Impaired assetcKpN - Individual

Individual Impairment

Provision

cKpN - KolektifPorfolio Impairment

Provision

Tagihan Yang Dihapus Buku

Write-offBelum Jatuh Tempo

Current (<90dpd)

Telah Jatuh TempoPast Due (90dpd)

(1) (2) (3) (4) (5) (6) (7) (8)

1 Pertanian, Perburuan dan kehutanan | agriculture, Hunting and Forestry 3,031 - 898 - 363 35

2 Perikanan | Fishery 3,215 - - - 56 118

3 Pertambangan dan Penggalian | Mining and excavation 21,889 - 450 0 387 -

4 Industri Pengolahan | Manufacturing 1,176,914 4,294 9,856 3,024 2,286 73,804

5 listrik, Gas dan air | electricity, Gas and Water 52,553 - - 464 6 -

6 konstruksi | Construction 389,721 - 2,168 29 352 -

7 Perdagangan Besar dan eceran | Wholesale and retail Trading 530,265 700 62,101 2,067 9,873 5,438

8 Penyediaan akomodasi dan Penyediaan Makan Minum | accommodation and Food and Beverage

148,718 - 4,782 - 244 14

9 Transportasi, Pergudangan dan komunikasi | Transportation, Warehouse and Communication

366,597 - 25,596 3,365 604 -

10 Perantara keuangan | Financial Brokerage 1,527,722 3,460 13,031 2,123 302 643

11 real estate, Usaha Persewaan dan Jasa Perusahaan | real estate, leasing and Corporate services

355,563 - 23,448 6,391 243 1,537

12 administrasi Pemerintahan, Pertahanan dan Jaminan sosial Wajib | Public administration, Defense, and Compulsory social security

- - - - - -

13 Jasa Pendidikan | education services 20,246 - - - 3 -

14 Jasa kesehatan dan kegiatan sosial | Health and social services 1,398 - 640 - 69 -

15 Jasa kemasyarakatan, sosial Budaya, Hiburan dan Perorangan lainnya | Public, socio-culture, entertainment and other Personal services

26,695 - 6,255 517 568 -

16 Jasa Perorangan yang Melayani rumah Tangga | Personal services for household 338 - - - 10 -

17 Badan Internasional dan Badan ekstra Internasional lainnya | International institution and other international extra agencies

- - - - - 7,150

18 kegiatan yang Belum Jelas Batasannya | Undefined Activities 5,727 - 4,618 52 24 9,216

19 Bukan lapangan Usaha | non-Business activity 1,998,147 2,177 44,900 53 4,427 -

20 lainnya | others 5,265,464 - - - 62 -

Total 11,894,202 10,631 198,742 18,084 19,879 97,955

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PT Bank MnC InTernasIonal TBk | laPoran TaHUnan 2016 annUal rePorT

155

Powering GrowthToward Excellent Execution

MANAJEMEN RISIKORisk Management

Tabel 2.5.a. pengungkapan Tagihan dan pencadangan Berdasarkan Sektor Ekonomi - Bank secara Individual | Disclosure of Receivable and provision based on Economy Sector - Bank only(dalam jutaan rupiah | In Million rupiah)

2015

No Sektor Ekonomieconomy sectors

Tagihanreceivable

Tagihan yang Mengalami penurunan Nilai

Impaired assetcKpN - Individual

Individual Impairment

Provision

cKpN - KolektifPorfolio Impairment

Provision

Tagihan Yang Dihapus Buku

Write-offBelum Jatuh Tempo

Current (<90dpd)

Telah Jatuh TempoPast Due (90dpd)

(1) (2) (3) (4) (5) (6) (7) (8)

1 Pertanian, Perburuan dan kehutanan | agriculture, Hunting and Forestry 3,031 - 898 - 363 35

2 Perikanan | Fishery 3,215 - - - 56 118

3 Pertambangan dan Penggalian | Mining and excavation 21,889 - 450 0 387 -

4 Industri Pengolahan | Manufacturing 1,176,914 4,294 9,856 3,024 2,286 73,804

5 listrik, Gas dan air | electricity, Gas and Water 52,553 - - 464 6 -

6 konstruksi | Construction 389,721 - 2,168 29 352 -

7 Perdagangan Besar dan eceran | Wholesale and retail Trading 530,265 700 62,101 2,067 9,873 5,438

8 Penyediaan akomodasi dan Penyediaan Makan Minum | accommodation and Food and Beverage

148,718 - 4,782 - 244 14

9 Transportasi, Pergudangan dan komunikasi | Transportation, Warehouse and Communication

366,597 - 25,596 3,365 604 -

10 Perantara keuangan | Financial Brokerage 1,527,722 3,460 13,031 2,123 302 643

11 real estate, Usaha Persewaan dan Jasa Perusahaan | real estate, leasing and Corporate services

355,563 - 23,448 6,391 243 1,537

12 administrasi Pemerintahan, Pertahanan dan Jaminan sosial Wajib | Public administration, Defense, and Compulsory social security

- - - - - -

13 Jasa Pendidikan | education services 20,246 - - - 3 -

14 Jasa kesehatan dan kegiatan sosial | Health and social services 1,398 - 640 - 69 -

15 Jasa kemasyarakatan, sosial Budaya, Hiburan dan Perorangan lainnya | Public, socio-culture, entertainment and other Personal services

26,695 - 6,255 517 568 -

16 Jasa Perorangan yang Melayani rumah Tangga | Personal services for household 338 - - - 10 -

17 Badan Internasional dan Badan ekstra Internasional lainnya | International institution and other international extra agencies

- - - - - 7,150

18 kegiatan yang Belum Jelas Batasannya | Undefined Activities 5,727 - 4,618 52 24 9,216

19 Bukan lapangan Usaha | non-Business activity 1,998,147 2,177 44,900 53 4,427 -

20 lainnya | others 5,265,464 - - - 62 -

Total 11,894,202 10,631 198,742 18,084 19,879 97,955

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PT Bank MnC InTernasIonal TBk | laPoran TaHUnan 2016 annUal rePorT

156

Tinjauan operasionaloperational review

MANAJEMEN RISIKORisk Management

Tabel 2.6.a. pengungkapan Rincian Mutasi cKpN - Bank secara Individual | Detail of Impairment provision Movement - Bank only(dalam jutaan rupiah | In Million rupiah)

No Kategori portofolioPortfolio Category

2016

cKpN IndividualIndividual Impairment

Provision

cKpN KolektifPortfolio Impairment

Provision

(1) (2) (3) (4)

1 saldo awal CkPn | Beginning balance of impairment provision

18,084 19,879

2 Pembentukan (Pemulihan) CkPn Pada Periode Berjalan (net) | Charge/release of impairment provision for the current year (net)

20,800 19,080

2.a. Pembentukan CkPn Pada Periode Berjalan | Charge of impairment provision for the current year

2.b. Pemulihan CkPn Pada Periode Berjalan | release of impairment provision for the current year

20,800 19,080

3 CkPn Yang Digunakan Untuk Melakukan Hapus Buku atas Tagihan Pada Periode Berjalan | Impairment provision for write-off

(13,963) (11,321)

4 Pembentukan (Pemulihan) lainnya Pada Periode Berjalan | other charge/release for the current year

(38)

Saldo akhir cKpN 24,922 27,600

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Powering GrowthToward Excellent Execution

MANAJEMEN RISIKORisk Management

Tabel 2.6.a. pengungkapan Rincian Mutasi cKpN - Bank secara Individual | Detail of Impairment provision Movement - Bank only(dalam jutaan rupiah | In Million rupiah)

No Kategori portofolioPortfolio Category

2015

cKpN IndividualIndividual Impairment

Provision

cKpN KolektifPortfolio Impairment

Provision

(1) (2) (5) (6)

1 saldo awal CkPn | Beginning balance of impairment provision

97,872 30,530

2 Pembentukan (Pemulihan) CkPn Pada Periode Berjalan (net) | Charge/release of impairment provision for the current year (net)

(556) 5,617

2.a. Pembentukan CkPn Pada Periode Berjalan | Charge of impairment provision for the current year

2.b. Pemulihan CkPn Pada Periode Berjalan | release of impairment provision for the current year

(556) 5,617

3 CkPn Yang Digunakan Untuk Melakukan Hapus Buku atas Tagihan Pada Periode Berjalan | Impairment provision for write-off

(81,412) (16,268)

4 Pembentukan (Pemulihan) lainnya Pada Periode Berjalan | other charge/release for the current year

2,180 -

Saldo akhir cKpN 18,084 19,879

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Tinjauan operasionaloperational review

Tabel 3.1.a. pengungkapan Tagihan Bersih Berdasarkan Kategori portofolio dan Skala peringkat - Bank secara Individual | Disclosure of Net Receivable based on portfolio category and Rating - Bank only(dalam jutaan rupiah | In Million rupiah)

No Kategori portofolioPortfolio Category

Lembaga pemeringkat

rating agency

2016

Tagihan Bersih | Net Receivable

peringkat Jangka panjanglong Term rating

peringkat Jangka pendekshort Term rating

Tanpa peringkatUnrated Total

Standard and poor’s 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-1 A-2 A-3

Kurang dari A-3

Below a-3

Fitch Rating 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-

F1+ s.d F1

F1+ to F1F2 F3

Kurang dari F3

Below F3

Moody’s Aaa Aa1 s.d Aa3aa1 to aa3

A1 s.d A3a1 to a3

Baa1 s.d Baa3

Baa1 to Baa3

Ba1 s.d Ba3Ba1 toBa3

B1 s.d B3B1 to B3

Kurang dari B3

Below B3p-1 p-2 p-3

Kurang dari p-3

Below P-3

pT Fitch Ratings

IndonesiaAAA (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)

F1+(idn) s.d F1(idn)F1+(idn) to

F1(idn)

F2(idn) F3(idn)

Kurang dari

F3(idn)Below F3(idn)

pT IcRA Indonesia [Idr]AAA

[Idr]AA+ s.d [Idr]AA-

[Idr]aa+ to [Idr]aa-

[Idr]A+ s.d [Idr]A-

[Idr]a+ to [Idr]a-

[Idr]BBB+ s.d

[Idr]BBB-[Idr]BBB+ to

[Idr]BBB-

[Idr]BB+ s.d [Idr]BB-

[Idr]BB+ to [Idr]BB-

[Idr]B+ s.d [Idr]B-

[Idr]B+ to [Idr]B-

Kurang dari [Idr]

B-Below [Idr]

B-

[Idr]A1+ s.d [Idr]

A1[Idr]a1+ to

[Idr]a1

[Idr]A2+ s.d [Idr]

A2[Idr]a2+ to

[Idr]a2

[Idr]A3+ s.d [Idr]

A3[Idr]a3+ to

[Idr]a3

Kurang dari [Idr]

A3Below [Idr]

a3

pT pemeringkat

Efek Indonesia

idAAA

idAA+ s.d idAA-

idaa+ to idaa-

idA+ s.d idA-

ida+ to ida-

idBBB+ s.d idBBB-

idBBB+ to idBBB-

idBB+ s.d idBB-

idBB+ to idBB-

idB+ s.d idB-

idB+ to idB-

Kurang dari idB-

Below idB-

idA1 idA2

idA3 s.d idA4

ida3 s.d ida4

Kurang dari idA4

Below ida4

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)

1 Tagihan kepada Pemerintah | Claims on sovereign

` - - - - - - - - - - 2,962,291 2,962,291

2 Tagihan kepada entitas sektor Publik | Claims on Public sector entity

- - - - - - - - - - - - -

3 Tagihan kepada Bank Pembangunan Multilateral dan lembaga Internasional | Claims on Multilateral Development Banks and International Institutions

- - - - - - - - - - - - -

4 Tagihan kepada Bank | Claims on Banks - 25,218 107,749 - - - - - - - - 1,066,151 1,199,118

5 kredit Beragun rumah Tinggal | Claims secured by residential Property

` - - - - - - - - - - 624,060 624,060

6 kredit Beragun Properti komersial | Claims secured by Commercial real estate

- - - - - - - - - - - 493,610 493,610

7 kredit Pegawai / Pensiunan | employee loan/Pension

` - - - - - - - - - - 164,029 164,029

8 Tagihan kepada Usaha Mikro, Usaha kecil dan Portofolio ritel | Claims on Micro and small enterprise, and retail Portfolio

- - - - - - - - - - - 2,201,742 2,201,742

9 Tagihan kepada korporasi | Claims on Corporate

- 30,036 - 138,178 - - - - - - - 4,396,181 4,564,395

10 Tagihan Yang Telah Jatuh Tempo | Past Due Claims

- - - - - - - - - - - 371,389 371,389

11 aset lainnya | other assets ` - - - - - - - - - - 476,914 476,914

Total - 55,254 107,749 138,178 - - - - - - - 12,756,368 13,057,549

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Powering GrowthToward Excellent Execution

Tabel 3.1.a. pengungkapan Tagihan Bersih Berdasarkan Kategori portofolio dan Skala peringkat - Bank secara Individual | Disclosure of Net Receivable based on portfolio category and Rating - Bank only(dalam jutaan rupiah | In Million rupiah)

No Kategori portofolioPortfolio Category

Lembaga pemeringkat

rating agency

2016

Tagihan Bersih | Net Receivable

peringkat Jangka panjanglong Term rating

peringkat Jangka pendekshort Term rating

Tanpa peringkatUnrated Total

Standard and poor’s 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-1 A-2 A-3

Kurang dari A-3

Below a-3

Fitch Rating 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-

F1+ s.d F1

F1+ to F1F2 F3

Kurang dari F3

Below F3

Moody’s Aaa Aa1 s.d Aa3aa1 to aa3

A1 s.d A3a1 to a3

Baa1 s.d Baa3

Baa1 to Baa3

Ba1 s.d Ba3Ba1 toBa3

B1 s.d B3B1 to B3

Kurang dari B3

Below B3p-1 p-2 p-3

Kurang dari p-3

Below P-3

pT Fitch Ratings

IndonesiaAAA (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)

F1+(idn) s.d F1(idn)F1+(idn) to

F1(idn)

F2(idn) F3(idn)

Kurang dari

F3(idn)Below F3(idn)

pT IcRA Indonesia [Idr]AAA

[Idr]AA+ s.d [Idr]AA-

[Idr]aa+ to [Idr]aa-

[Idr]A+ s.d [Idr]A-

[Idr]a+ to [Idr]a-

[Idr]BBB+ s.d

[Idr]BBB-[Idr]BBB+ to

[Idr]BBB-

[Idr]BB+ s.d [Idr]BB-

[Idr]BB+ to [Idr]BB-

[Idr]B+ s.d [Idr]B-

[Idr]B+ to [Idr]B-

Kurang dari [Idr]

B-Below [Idr]

B-

[Idr]A1+ s.d [Idr]

A1[Idr]a1+ to

[Idr]a1

[Idr]A2+ s.d [Idr]

A2[Idr]a2+ to

[Idr]a2

[Idr]A3+ s.d [Idr]

A3[Idr]a3+ to

[Idr]a3

Kurang dari [Idr]

A3Below [Idr]

a3

pT pemeringkat

Efek Indonesia

idAAA

idAA+ s.d idAA-

idaa+ to idaa-

idA+ s.d idA-

ida+ to ida-

idBBB+ s.d idBBB-

idBBB+ to idBBB-

idBB+ s.d idBB-

idBB+ to idBB-

idB+ s.d idB-

idB+ to idB-

Kurang dari idB-

Below idB-

idA1 idA2

idA3 s.d idA4

ida3 s.d ida4

Kurang dari idA4

Below ida4

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)

1 Tagihan kepada Pemerintah | Claims on sovereign

` - - - - - - - - - - 2,962,291 2,962,291

2 Tagihan kepada entitas sektor Publik | Claims on Public sector entity

- - - - - - - - - - - - -

3 Tagihan kepada Bank Pembangunan Multilateral dan lembaga Internasional | Claims on Multilateral Development Banks and International Institutions

- - - - - - - - - - - - -

4 Tagihan kepada Bank | Claims on Banks - 25,218 107,749 - - - - - - - - 1,066,151 1,199,118

5 kredit Beragun rumah Tinggal | Claims secured by residential Property

` - - - - - - - - - - 624,060 624,060

6 kredit Beragun Properti komersial | Claims secured by Commercial real estate

- - - - - - - - - - - 493,610 493,610

7 kredit Pegawai / Pensiunan | employee loan/Pension

` - - - - - - - - - - 164,029 164,029

8 Tagihan kepada Usaha Mikro, Usaha kecil dan Portofolio ritel | Claims on Micro and small enterprise, and retail Portfolio

- - - - - - - - - - - 2,201,742 2,201,742

9 Tagihan kepada korporasi | Claims on Corporate

- 30,036 - 138,178 - - - - - - - 4,396,181 4,564,395

10 Tagihan Yang Telah Jatuh Tempo | Past Due Claims

- - - - - - - - - - - 371,389 371,389

11 aset lainnya | other assets ` - - - - - - - - - - 476,914 476,914

Total - 55,254 107,749 138,178 - - - - - - - 12,756,368 13,057,549

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160

Tinjauan operasionaloperational review

Tabel 3.1.a. pengungkapan Tagihan Bersih Berdasarkan Kategori portofolio dan Skala peringkat - Bank secara Individual | Disclosure of Net Receivable based on portfolio category and Rating - Bank only(dalam jutaan rupiah | In Million rupiah)

No Kategori portofolioPortfolio Category

Lembaga pemeringkat

rating agency

2015

Tagihan Bersih | Net Receivable

peringkat Jangka panjanglong Term rating

peringkat Jangka pendekshort Term rating

Tanpa peringkatUnrated Total

Standard and poor’s 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-1 A-2 A-3

Kurang dari A-3

Below a-3

Fitch Rating 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-

F1+ s.d F1

F1+ to F1F2 F3

Kurang dari F3

Below F3

Moody’s Aaa Aa1 s.d Aa3aa1 to aa3

A1 s.d A3a1 to a3

Baa1 s.d Baa3

Baa1 to Baa3

Ba1 s.d Ba3Ba1 toBa3

B1 s.d B3B1 to B3

Kurang dari B3

Below B3p-1 p-2 p-3

Kurang dari p-3

Below P-3

pT Fitch Ratings

IndonesiaAAA (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)

F1+(idn) s.d F1(idn)F1+(idn) to

F1(idn)

F2(idn) F3(idn)

Kurang dari

F3(idn)Below F3(idn)

pT IcRA Indonesia [Idr]AAA

[Idr]AA+ s.d [Idr]AA-

[Idr]aa+ to [Idr]aa-

[Idr]A+ s.d [Idr]A-

[Idr]a+ to [Idr]a-

[Idr]BBB+ s.d

[Idr]BBB-[Idr]BBB+ to

[Idr]BBB-

[Idr]BB+ s.d [Idr]BB-

[Idr]BB+ to [Idr]BB-

[Idr]B+ s.d [Idr]B-

[Idr]B+ to [Idr]B-

Kurang dari [Idr]

B-Below [Idr]

B-

[Idr]A1+ s.d [Idr]

A1[Idr]a1+ to

[Idr]a1

[Idr]A2+ s.d [Idr]

A2[Idr]a2+ to

[Idr]a2

[Idr]A3+ s.d [Idr]

A3[Idr]a3+ to

[Idr]a3

Kurang dari [Idr]

A3Below [Idr]

a3

pT pemeringkat

Efek Indonesia

idAAA

idAA+ s.d idAA-

idaa+ to idaa-

idA+ s.d idA-

ida+ to ida-

idBBB+ s.d idBBB-

idBBB+ to idBBB-

idBB+ s.d idBB-

idBB+ to idBB-

idB+ s.d idB-

idB+ to idB-

Kurang dari idB-

Below idB-

idA1 idA2

idA3 s.d idA4

ida3 s.d ida4

Kurang dari idA4

Below ida4

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)

1 Tagihan kepada Pemerintah | Claims on sovereign

- - - - - - - - - - - 2,204,771 2,204,771

2 Tagihan kepada entitas sektor Publik | Claims on Public sector entity

- - - - - - - - - - - - -

3 Tagihan kepada Bank Pembangunan Multilateral dan lembaga Internasional | Claims on Multilateral Development Banks and International Institutions

- - - - - - - - - - - - -

4 Tagihan kepada Bank | Claims on Banks 102,381 - - - - - - - - - - 2,153,885 2,256,266

5 kredit Beragun rumah Tinggal | Claims secured by residential Property

393,008 393,008

6 kredit Beragun Properti komersial | Claims secured by Commercial real estate

- - - - - - - - - - - 117,540 117,540

7 kredit Pegawai / Pensiunan | employee loan/Pension

208,248 208,248

8 Tagihan kepada Usaha Mikro, Usaha kecil dan Portofolio ritel | Claims on Micro and small enterprise, and retail Portfolio

- - - - - - - - - - - 171,476 171,476

9 Tagihan kepada korporasi | Claims on Corporate

- - - - - - - 177,383 - - - 6,045,023 6,222,406

10 Tagihan Yang Telah Jatuh Tempo | Past Due Claims

- - - - - - - - - - - 217,516 217,516

11 aset lainnya | other assets ` - - - - - - - - - - 345,774 345,774

Total 102,381 - - - - - - 177,383 - - - 11,857,240 12,137,004

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Powering GrowthToward Excellent Execution

Tabel 3.1.a. pengungkapan Tagihan Bersih Berdasarkan Kategori portofolio dan Skala peringkat - Bank secara Individual | Disclosure of Net Receivable based on portfolio category and Rating - Bank only(dalam jutaan rupiah | In Million rupiah)

No Kategori portofolioPortfolio Category

Lembaga pemeringkat

rating agency

2015

Tagihan Bersih | Net Receivable

peringkat Jangka panjanglong Term rating

peringkat Jangka pendekshort Term rating

Tanpa peringkatUnrated Total

Standard and poor’s 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-1 A-2 A-3

Kurang dari A-3

Below a-3

Fitch Rating 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-

F1+ s.d F1

F1+ to F1F2 F3

Kurang dari F3

Below F3

Moody’s Aaa Aa1 s.d Aa3aa1 to aa3

A1 s.d A3a1 to a3

Baa1 s.d Baa3

Baa1 to Baa3

Ba1 s.d Ba3Ba1 toBa3

B1 s.d B3B1 to B3

Kurang dari B3

Below B3p-1 p-2 p-3

Kurang dari p-3

Below P-3

pT Fitch Ratings

IndonesiaAAA (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)

F1+(idn) s.d F1(idn)F1+(idn) to

F1(idn)

F2(idn) F3(idn)

Kurang dari

F3(idn)Below F3(idn)

pT IcRA Indonesia [Idr]AAA

[Idr]AA+ s.d [Idr]AA-

[Idr]aa+ to [Idr]aa-

[Idr]A+ s.d [Idr]A-

[Idr]a+ to [Idr]a-

[Idr]BBB+ s.d

[Idr]BBB-[Idr]BBB+ to

[Idr]BBB-

[Idr]BB+ s.d [Idr]BB-

[Idr]BB+ to [Idr]BB-

[Idr]B+ s.d [Idr]B-

[Idr]B+ to [Idr]B-

Kurang dari [Idr]

B-Below [Idr]

B-

[Idr]A1+ s.d [Idr]

A1[Idr]a1+ to

[Idr]a1

[Idr]A2+ s.d [Idr]

A2[Idr]a2+ to

[Idr]a2

[Idr]A3+ s.d [Idr]

A3[Idr]a3+ to

[Idr]a3

Kurang dari [Idr]

A3Below [Idr]

a3

pT pemeringkat

Efek Indonesia

idAAA

idAA+ s.d idAA-

idaa+ to idaa-

idA+ s.d idA-

ida+ to ida-

idBBB+ s.d idBBB-

idBBB+ to idBBB-

idBB+ s.d idBB-

idBB+ to idBB-

idB+ s.d idB-

idB+ to idB-

Kurang dari idB-

Below idB-

idA1 idA2

idA3 s.d idA4

ida3 s.d ida4

Kurang dari idA4

Below ida4

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)

1 Tagihan kepada Pemerintah | Claims on sovereign

- - - - - - - - - - - 2,204,771 2,204,771

2 Tagihan kepada entitas sektor Publik | Claims on Public sector entity

- - - - - - - - - - - - -

3 Tagihan kepada Bank Pembangunan Multilateral dan lembaga Internasional | Claims on Multilateral Development Banks and International Institutions

- - - - - - - - - - - - -

4 Tagihan kepada Bank | Claims on Banks 102,381 - - - - - - - - - - 2,153,885 2,256,266

5 kredit Beragun rumah Tinggal | Claims secured by residential Property

393,008 393,008

6 kredit Beragun Properti komersial | Claims secured by Commercial real estate

- - - - - - - - - - - 117,540 117,540

7 kredit Pegawai / Pensiunan | employee loan/Pension

208,248 208,248

8 Tagihan kepada Usaha Mikro, Usaha kecil dan Portofolio ritel | Claims on Micro and small enterprise, and retail Portfolio

- - - - - - - - - - - 171,476 171,476

9 Tagihan kepada korporasi | Claims on Corporate

- - - - - - - 177,383 - - - 6,045,023 6,222,406

10 Tagihan Yang Telah Jatuh Tempo | Past Due Claims

- - - - - - - - - - - 217,516 217,516

11 aset lainnya | other assets ` - - - - - - - - - - 345,774 345,774

Total 102,381 - - - - - - 177,383 - - - 11,857,240 12,137,004

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Tinjauan operasionaloperational review

MANAJEMEN RISIKORisk Management

Tabel 3.2.a. pengungkapan Risiko Kredit pihak Lawan : Transaksi Derivatif | Disclosure of counterparty credit Risk: Derivative Transactions(dalam jutaan rupiah | In Million rupiah)

No

Kategori portofolioPortfolio Category

2016Jumlah notional notional amount Tagihan

DerivatifDerivative receivable

Kewajiban DerivatifDerivativePayable

Tagihan Bersih Sebelum MRKnet receivable

Before CrM

MRKcRM

(Credit risk Mitigation)

Tagihan Bersih Setelah

MRKnet

receivable after CrM

≤ 1 tahun<1 Year

> 1 thn - ≤ 5 thn> 1 Year< 5 Year

> 5 thn> 5 Years

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

1 suku Bunga | Interest rate

- - - - - - - -

2 nilai Tukar | Foreign exchange

1,102,301 - - 4,842 3,576 16,754 - 16,754

3 lainnya | others

- - - - - - - -

ToTAL 1,102,301 - - 4,842 3,576 16,754 - 16,754

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PT Bank MnC InTernasIonal TBk | laPoran TaHUnan 2016 annUal rePorT

163

Powering GrowthToward Excellent Execution

MANAJEMEN RISIKORisk Management

No

Kategori portofolioPortfolio Category

2015Jumlah notional notional amount Tagihan

DerivatifDerivative receivable

Kewajiban DerivatifDerivativePayable

Tagihan Bersih Sebelum MRKnet receivable

Before CrM

MRKcRM

(Credit risk Mitigation)

Tagihan Bersih Setelah

MRKnet

receivable after CrM

≤ 1 tahun<1 Year

> 1 thn - ≤ 5 thn> 1 Year< 5 Year

> 5 thn> 5 Years

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

1 suku Bunga | Interest rate

- - - - - - - -

2 nilai Tukar | Foreign exchange

841,851 - - 8,241 3,714 8,809 - 8,809

3 lainnya | others

- - - - - - - -

ToTAL 841,851 - - 8,241 3,714 8,809 - 8,809

Page 166: Toward Excellent - MNC Bank · 17 suspensi dan/atau Delisting Suspension and/or Delisting 18 peristiwa enting 2016 2016 Event Highlights prOFil perusaHaan Company Profile 48 identitas

PT Bank MnC InTernasIonal TBk | laPoran TaHUnan 2016 annUal rePorT

164

Tinjauan operasionaloperational review

Tabel 4.1.a. pengungkapan Tagihan Bersih Berdasarkan Bobot Risiko Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit - Bank secara Individual | Disclosure of Net Receivable based on Risk weight after credit Risk Mitigation - Bank only(dalam jutaan rupiah | In Million rupiah)

No Kategori portofolioPortfolio Category

2016

ATMRrWa

Beban Modal (ATMR x 8%)

Capital Charge (rWa x 8%)

Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kreditnet receivable after Credit risk Mitigation

0% 20% 35% 40% 45% 50% 75% 100% 150% Lainnyaothers

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)

a eksPosUr neraCa | BalanCe sHeeT exPosUre

1 Tagihan kepada Pemerintah | Claims on sovereign 2,959,816 - - - - - - - - - -

2 Tagihan kepada entitas sektor Publik | Claims on Public sector entity - -

3 Tagihan kepada Bank Pembangunan Multilateral dan lembaga Internasional | Claims on Multilateral Development Banks and International Institutions

- -

4 Tagihan kepada Bank | Claims on Banks - 965,480 - - - 216,856 - - - 301,524 24,122

5 kredit Beragun rumah Tinggal | Claims secured by residential Property - - 624,060 - - - - - - 218,421 17,474

6 kredit Beragun Properti komersial | Claims secured by Commercial real estate

- - - - - - - 493,610 - 493,610 39,489

7 kredit Pegawai / Pensiunan | employee loan/Pension - - - - - 164,029 - - - 82,015 6,561

8 Tagihan kepada Usaha Mikro, Usaha kecil dan Portofolio ritel | Claims on Micro and small enterprise, and retail Portfolio

- - - - - - 2,200,841 - - 1,650,631 132,050

9 Tagihan kepada korporasi | Claims on Corporate - 30,036 - - - - - 4,437,736 - 4,443,744 355,499

10 Tagihan Yang Telah Jatuh Tempo | Past Due Claims - - - - - - - 23,329 348,060 545,419 43,634

11 aset lainnya | other assets 144,975 - - - - - - 272,914 59,025 361,451 28,916

Total Eksposur Neraca | Total on Balance Sheet 3,104,791 995,516 624,060 - - 380,885 2,200,841 5,227,589 407,085 8,096,815 647,745 B eksPosUr keWaJIBan koMITMen/konTInJensI PaDa TransaksI rekenInG aDMInIsTraTIF |

oFF BalanCe sHeeT

1 Tagihan kepada Pemerintah | Claims on sovereign - -

2 Tagihan kepada entitas sektor Publik | Claims on Public sector entity - -

3 Tagihan kepada Bank Pembangunan Multilateral dan lembaga Internasional | Claims on Multilateral Development Banks and International Institutions

- -

4 Tagihan kepada Bank | Claims on Banks - - - - - 28 - - - 14 1

5 kredit Beragun rumah Tinggal | Claims secured by residential Property - -

6 kredit Beragun Properti komersial | Claims secured by Commercial real estate

- -

7 kredit Pegawai / Pensiunan | employee loan/Pension - -

8 Tagihan kepada Usaha Mikro, Usaha kecil dan Portofolio ritel | Claims on Micro and small enterprise, and retail Portfolio

- - - - - - 901 - - 676 54

9 Tagihan kepada korporasi | Claims on Corporate - - - - - - - 94,565 - 94,565 7,565

10 Tagihan Yang Telah Jatuh Tempo | Past Due Claims - -

Total Eksposur TRA | Total off Balance Sheet - - - - - 28 901 94,565 - 95,255 7,620 C eksPosUr akIBaT keGaGalan PIHak laWan (CoUnTerParTY CreDIT rIsk) | CoUnTerParTY CreDIT rIsk

1 Tagihan kepada Pemerintah | Claims on sovereign 2,475 - - - - - - - - - -

2 Tagihan kepada entitas sektor Publik | Claims on Public sector entity - -

3 Tagihan kepada Bank Pembangunan Multilateral dan lembaga Internasional | Claims on Multilateral Development Banks and International Institutions

- -

4 Tagihan kepada Bank | Claims on Banks - 16,754 - - - - - - - 3,351 268

5 Tagihan kepada Usaha Mikro, Usaha kecil dan Portofolio ritel | Claims on Micro and small enterprise, and retail Portfolio

- -

6 Tagihan kepada korporasi | Claims on Corporate - - - - - - - 2,058 - 2,058 165

Total Eksposur counterparty credit Risk | Total counterparty credit Risk

2,475 16,754 - - - - - 2,058 - 5,409 433

Page 167: Toward Excellent - MNC Bank · 17 suspensi dan/atau Delisting Suspension and/or Delisting 18 peristiwa enting 2016 2016 Event Highlights prOFil perusaHaan Company Profile 48 identitas

PT Bank MnC InTernasIonal TBk | laPoran TaHUnan 2016 annUal rePorT

165

Powering GrowthToward Excellent Execution

Tabel 4.1.a. pengungkapan Tagihan Bersih Berdasarkan Bobot Risiko Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit - Bank secara Individual | Disclosure of Net Receivable based on Risk weight after credit Risk Mitigation - Bank only(dalam jutaan rupiah | In Million rupiah)

No Kategori portofolioPortfolio Category

2016

ATMRrWa

Beban Modal (ATMR x 8%)

Capital Charge (rWa x 8%)

Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kreditnet receivable after Credit risk Mitigation

0% 20% 35% 40% 45% 50% 75% 100% 150% Lainnyaothers

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)

a eksPosUr neraCa | BalanCe sHeeT exPosUre

1 Tagihan kepada Pemerintah | Claims on sovereign 2,959,816 - - - - - - - - - -

2 Tagihan kepada entitas sektor Publik | Claims on Public sector entity - -

3 Tagihan kepada Bank Pembangunan Multilateral dan lembaga Internasional | Claims on Multilateral Development Banks and International Institutions

- -

4 Tagihan kepada Bank | Claims on Banks - 965,480 - - - 216,856 - - - 301,524 24,122

5 kredit Beragun rumah Tinggal | Claims secured by residential Property - - 624,060 - - - - - - 218,421 17,474

6 kredit Beragun Properti komersial | Claims secured by Commercial real estate

- - - - - - - 493,610 - 493,610 39,489

7 kredit Pegawai / Pensiunan | employee loan/Pension - - - - - 164,029 - - - 82,015 6,561

8 Tagihan kepada Usaha Mikro, Usaha kecil dan Portofolio ritel | Claims on Micro and small enterprise, and retail Portfolio

- - - - - - 2,200,841 - - 1,650,631 132,050

9 Tagihan kepada korporasi | Claims on Corporate - 30,036 - - - - - 4,437,736 - 4,443,744 355,499

10 Tagihan Yang Telah Jatuh Tempo | Past Due Claims - - - - - - - 23,329 348,060 545,419 43,634

11 aset lainnya | other assets 144,975 - - - - - - 272,914 59,025 361,451 28,916

Total Eksposur Neraca | Total on Balance Sheet 3,104,791 995,516 624,060 - - 380,885 2,200,841 5,227,589 407,085 8,096,815 647,745 B eksPosUr keWaJIBan koMITMen/konTInJensI PaDa TransaksI rekenInG aDMInIsTraTIF |

oFF BalanCe sHeeT

1 Tagihan kepada Pemerintah | Claims on sovereign - -

2 Tagihan kepada entitas sektor Publik | Claims on Public sector entity - -

3 Tagihan kepada Bank Pembangunan Multilateral dan lembaga Internasional | Claims on Multilateral Development Banks and International Institutions

- -

4 Tagihan kepada Bank | Claims on Banks - - - - - 28 - - - 14 1

5 kredit Beragun rumah Tinggal | Claims secured by residential Property - -

6 kredit Beragun Properti komersial | Claims secured by Commercial real estate

- -

7 kredit Pegawai / Pensiunan | employee loan/Pension - -

8 Tagihan kepada Usaha Mikro, Usaha kecil dan Portofolio ritel | Claims on Micro and small enterprise, and retail Portfolio

- - - - - - 901 - - 676 54

9 Tagihan kepada korporasi | Claims on Corporate - - - - - - - 94,565 - 94,565 7,565

10 Tagihan Yang Telah Jatuh Tempo | Past Due Claims - -

Total Eksposur TRA | Total off Balance Sheet - - - - - 28 901 94,565 - 95,255 7,620 C eksPosUr akIBaT keGaGalan PIHak laWan (CoUnTerParTY CreDIT rIsk) | CoUnTerParTY CreDIT rIsk

1 Tagihan kepada Pemerintah | Claims on sovereign 2,475 - - - - - - - - - -

2 Tagihan kepada entitas sektor Publik | Claims on Public sector entity - -

3 Tagihan kepada Bank Pembangunan Multilateral dan lembaga Internasional | Claims on Multilateral Development Banks and International Institutions

- -

4 Tagihan kepada Bank | Claims on Banks - 16,754 - - - - - - - 3,351 268

5 Tagihan kepada Usaha Mikro, Usaha kecil dan Portofolio ritel | Claims on Micro and small enterprise, and retail Portfolio

- -

6 Tagihan kepada korporasi | Claims on Corporate - - - - - - - 2,058 - 2,058 165

Total Eksposur counterparty credit Risk | Total counterparty credit Risk

2,475 16,754 - - - - - 2,058 - 5,409 433

Page 168: Toward Excellent - MNC Bank · 17 suspensi dan/atau Delisting Suspension and/or Delisting 18 peristiwa enting 2016 2016 Event Highlights prOFil perusaHaan Company Profile 48 identitas

PT Bank MnC InTernasIonal TBk | laPoran TaHUnan 2016 annUal rePorT

166

Tinjauan operasionaloperational review

Tabel 4.1.a. pengungkapan Tagihan Bersih Berdasarkan Bobot Risiko Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit - Bank secara Individual | Disclosure of Net Receivable based on Risk weight after credit Risk Mitigation - Bank only(dalam jutaan rupiah | In Million rupiah)

No Kategori portofolioPortfolio Category

2015

ATMRrWa

Beban Modal (ATMR x 8%)

Capital Charge (rWa x 8%)

Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kreditnet receivable after Credit risk Mitigation

0% 20% 35% 40% 45% 50% 75% 100% 150% Lainnyaothers

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)

a eksPosUr neraCa | BalanCe sHeeT exPosUre

1 Tagihan kepada Pemerintah | Claims on sovereign 2,204,771 - - 2,204,771 - - - - - - -

2 Tagihan kepada entitas sektor Publik | Claims on Public sector entity - -

3 Tagihan kepada Bank Pembangunan Multilateral dan lembaga Internasional | Claims on Multilateral Development Banks and International Institutions

- -

4 Tagihan kepada Bank | Claims on Banks - 2,151,085 - - 2,151,085 - - - - 477,228 38,178

5 kredit Beragun rumah Tinggal | Claims secured by residential Property - - 393,008 - - 393,008 - - - 137,553 11,004

6 kredit Beragun Properti komersial | Claims secured by Commercial real estate

- - - - - - - 493,610 - 117,540 9,403

7 kredit Pegawai / Pensiunan | employee loan/Pension - - - - - - - - - 104,124 8,330

8 Tagihan kepada Usaha Mikro, Usaha kecil dan Portofolio ritel | Claims on Micro and small enterprise, and retail Portfolio

- - - - - - 2,200,841 - - 126,930 10,154

9 Tagihan kepada korporasi | Claims on Corporate - 177,383 - - 177,383 - - 4,437,736 - 5,926,032 474,083

10 Tagihan Yang Telah Jatuh Tempo | Past Due Claims - - - - - - - 23,329 348,060 319,248 25,540

11 aset lainnya | other assets 108,953 - - 108,953 - - - 272,914 59,025 265,841 21,267

Total Eksposur Neraca | Total on Balance Sheet 2,313,724 2,328,469 393,008 2,313,724 2,328,469 393,008 2,200,841 5,227,589 407,085 7,474,495 597,960 B eksPosUr keWaJIBan koMITMen/konTInJensI PaDa TransaksI rekenInG aDMInIsTraTIF |

oFF BalanCe sHeeT

1 Tagihan kepada Pemerintah | Claims on sovereign - -

2 Tagihan kepada entitas sektor Publik | Claims on Public sector entity - -

3 Tagihan kepada Bank Pembangunan Multilateral dan lembaga Internasional | Claims on Multilateral Development Banks and International Institutions

- -

4 Tagihan kepada Bank | Claims on Banks - - - - - - - - - 1,175 94

5 kredit Beragun rumah Tinggal | Claims secured by residential Property - -

6 kredit Beragun Properti komersial | Claims secured by Commercial real estate

- -

7 kredit Pegawai / Pensiunan | employee loan/Pension - -

8 Tagihan kepada Usaha Mikro, Usaha kecil dan Portofolio ritel | Claims on Micro and small enterprise, and retail Portfolio

- - - - - - 901 - - 1,677 134

9 Tagihan kepada korporasi | Claims on Corporate - - - - - - - 94,565 - 146,948 11,756

10 Tagihan Yang Telah Jatuh Tempo | Past Due Claims - -

Total Eksposur TRA | Total off Balance Sheet - - - - - - 901 94,565 - 149,800 11,984 C eksPosUr akIBaT keGaGalan PIHak laWan (CoUnTerParTY CreDIT rIsk) | CoUnTerParTY CreDIT rIsk

1 Tagihan kepada Pemerintah | Claims on sovereign - - - - -

2 Tagihan kepada entitas sektor Publik | Claims on Public sector entity - -

3 Tagihan kepada Bank Pembangunan Multilateral dan lembaga Internasional | Claims on Multilateral Development Banks and International Institutions

- -

4 Tagihan kepada Bank | Claims on Banks - 8,809 - - 8,809 - - - - 1,762 141

5 Tagihan kepada Usaha Mikro, Usaha kecil dan Portofolio ritel | Claims on Micro and small enterprise, and retail Portfolio

- -

6 Tagihan kepada korporasi | Claims on Corporate - - - - - - - 2,058 - 7,519 601

Total Eksposur counterparty credit Risk | Total counterparty credit Risk

- 8,809 - - 8,809 - - 2,058 - 9,280 742

Page 169: Toward Excellent - MNC Bank · 17 suspensi dan/atau Delisting Suspension and/or Delisting 18 peristiwa enting 2016 2016 Event Highlights prOFil perusaHaan Company Profile 48 identitas

PT Bank MnC InTernasIonal TBk | laPoran TaHUnan 2016 annUal rePorT

167

Powering GrowthToward Excellent Execution

Tabel 4.1.a. pengungkapan Tagihan Bersih Berdasarkan Bobot Risiko Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit - Bank secara Individual | Disclosure of Net Receivable based on Risk weight after credit Risk Mitigation - Bank only(dalam jutaan rupiah | In Million rupiah)

No Kategori portofolioPortfolio Category

2015

ATMRrWa

Beban Modal (ATMR x 8%)

Capital Charge (rWa x 8%)

Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kreditnet receivable after Credit risk Mitigation

0% 20% 35% 40% 45% 50% 75% 100% 150% Lainnyaothers

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)

a eksPosUr neraCa | BalanCe sHeeT exPosUre

1 Tagihan kepada Pemerintah | Claims on sovereign 2,204,771 - - 2,204,771 - - - - - - -

2 Tagihan kepada entitas sektor Publik | Claims on Public sector entity - -

3 Tagihan kepada Bank Pembangunan Multilateral dan lembaga Internasional | Claims on Multilateral Development Banks and International Institutions

- -

4 Tagihan kepada Bank | Claims on Banks - 2,151,085 - - 2,151,085 - - - - 477,228 38,178

5 kredit Beragun rumah Tinggal | Claims secured by residential Property - - 393,008 - - 393,008 - - - 137,553 11,004

6 kredit Beragun Properti komersial | Claims secured by Commercial real estate

- - - - - - - 493,610 - 117,540 9,403

7 kredit Pegawai / Pensiunan | employee loan/Pension - - - - - - - - - 104,124 8,330

8 Tagihan kepada Usaha Mikro, Usaha kecil dan Portofolio ritel | Claims on Micro and small enterprise, and retail Portfolio

- - - - - - 2,200,841 - - 126,930 10,154

9 Tagihan kepada korporasi | Claims on Corporate - 177,383 - - 177,383 - - 4,437,736 - 5,926,032 474,083

10 Tagihan Yang Telah Jatuh Tempo | Past Due Claims - - - - - - - 23,329 348,060 319,248 25,540

11 aset lainnya | other assets 108,953 - - 108,953 - - - 272,914 59,025 265,841 21,267

Total Eksposur Neraca | Total on Balance Sheet 2,313,724 2,328,469 393,008 2,313,724 2,328,469 393,008 2,200,841 5,227,589 407,085 7,474,495 597,960 B eksPosUr keWaJIBan koMITMen/konTInJensI PaDa TransaksI rekenInG aDMInIsTraTIF |

oFF BalanCe sHeeT

1 Tagihan kepada Pemerintah | Claims on sovereign - -

2 Tagihan kepada entitas sektor Publik | Claims on Public sector entity - -

3 Tagihan kepada Bank Pembangunan Multilateral dan lembaga Internasional | Claims on Multilateral Development Banks and International Institutions

- -

4 Tagihan kepada Bank | Claims on Banks - - - - - - - - - 1,175 94

5 kredit Beragun rumah Tinggal | Claims secured by residential Property - -

6 kredit Beragun Properti komersial | Claims secured by Commercial real estate

- -

7 kredit Pegawai / Pensiunan | employee loan/Pension - -

8 Tagihan kepada Usaha Mikro, Usaha kecil dan Portofolio ritel | Claims on Micro and small enterprise, and retail Portfolio

- - - - - - 901 - - 1,677 134

9 Tagihan kepada korporasi | Claims on Corporate - - - - - - - 94,565 - 146,948 11,756

10 Tagihan Yang Telah Jatuh Tempo | Past Due Claims - -

Total Eksposur TRA | Total off Balance Sheet - - - - - - 901 94,565 - 149,800 11,984 C eksPosUr akIBaT keGaGalan PIHak laWan (CoUnTerParTY CreDIT rIsk) | CoUnTerParTY CreDIT rIsk

1 Tagihan kepada Pemerintah | Claims on sovereign - - - - -

2 Tagihan kepada entitas sektor Publik | Claims on Public sector entity - -

3 Tagihan kepada Bank Pembangunan Multilateral dan lembaga Internasional | Claims on Multilateral Development Banks and International Institutions

- -

4 Tagihan kepada Bank | Claims on Banks - 8,809 - - 8,809 - - - - 1,762 141

5 Tagihan kepada Usaha Mikro, Usaha kecil dan Portofolio ritel | Claims on Micro and small enterprise, and retail Portfolio

- -

6 Tagihan kepada korporasi | Claims on Corporate - - - - - - - 2,058 - 7,519 601

Total Eksposur counterparty credit Risk | Total counterparty credit Risk

- 8,809 - - 8,809 - - 2,058 - 9,280 742

Page 170: Toward Excellent - MNC Bank · 17 suspensi dan/atau Delisting Suspension and/or Delisting 18 peristiwa enting 2016 2016 Event Highlights prOFil perusaHaan Company Profile 48 identitas

PT Bank MnC InTernasIonal TBk | laPoran TaHUnan 2016 annUal rePorT

168

Tinjauan operasionaloperational review

Tabel 4.2.a. pengungkapan Tagihan Bersih dan Teknik Mitigasi Risiko Kredit - Bank secara Individual | Disclosure of Net Receivable and credit Risk Mitigation(dalam jutaan rupiah | In Million rupiah)

No Kategori portofolioPortfolio Category

2016

Tagihan Bersihnet receivable

Bagian Yang Dijamin Denganexposure Which Is secured By

Bagian Yang Tidak DijaminUnsecured exposureAgunan

Cash Collateral

garansiGuarantee

Asuransi KreditCredit

Insurance

Lainnyaothers

(1) (2) (3) (4) (5) (6) (7) (8) = (3)-[(4)+(5)+(6)+(7)]

a eksPosUr neraCa | eksPosUr neraCa | BalanCe sHeeT exPosUre

1 Tagihan kepada Pemerintah | Claims on sovereign 2,959,816 - 2,959,816

2 Tagihan kepada entitas sektor Publik | Claims on Public sector entity 0 0 -

3 Tagihan kepada Bank Pembangunan Multilateral dan lembaga Internasional | Claims on Multilateral Development Banks and International Institutions

0 0 -

4 Tagihan kepada Bank | Claims on Banks 1,182,336 301,524 880,812

5 kredit Beragun rumah Tinggal | Claims secured by residential Property 624,060 218,421 405,639

6 kredit Beragun Properti komersial | Claims secured by Commercial real estate 493610 493610 -

7 kredit Pegawai / Pensiunan | employee loan/Pension 164029 82015 82,014

8 Tagihan kepada Usaha Mikro, Usaha kecil dan Portofolio ritel | Claims on Micro and small enterprise, and retail Portfolio

2200841 1650631 550,210

9 Tagihan kepada korporasi | Claims on Corporate 4,467,773 4497746 (29,973)

10 Tagihan Yang Telah Jatuh Tempo | Past Due Claims 371389 545419 (174,030)

11 aset lainnya | other assets 476914 361452 115,462

Total Eksposur Neraca | Total on Balance Sheet 12,940,768 8,150,818 4,789,950 B eksPosUr keWaJIBan koMITMen/konTInJensI PaDa TransaksI rekenInG aDMInIsTraTIF |

oFF BalanCe sHeeT

1 Tagihan kepada Pemerintah | Claims on sovereign - - -

2 Tagihan kepada entitas sektor Publik | Claims on Public sector entity - - -

3 Tagihan kepada Bank Pembangunan Multilateral dan lembaga Internasional | Claims on Multilateral Development Banks and International Institutions

- - -

4 Tagihan kepada Bank | Claims on Banks 28 14 14

5 kredit Beragun rumah Tinggal | Claims secured by residential Property - - -

6 kredit Beragun Properti komersial | Claims secured by Commercial real estate - - -

7 kredit Pegawai / Pensiunan | employee loan/Pension - - -

8 Tagihan kepada Usaha Mikro, Usaha kecil dan Portofolio ritel | Claims on Micro and small enterprise, and retail Portfolio

901 676 225

9 Tagihan kepada korporasi | Claims on Corporate 94,565 94,565 -

10 Tagihan Yang Telah Jatuh Tempo | Past Due Claims - - -

Total Eksposur TRA | Total off Balance Sheet 95,494 95,255 239 C eksPosUr akIBaT keGaGalan PIHak laWan (CoUnTerParTY CreDIT rIsk) |

CoUnTerParTY CreDIT rIsk

1 Tagihan kepada Pemerintah | Claims on sovereign 2,475 - 2,475

2 Tagihan kepada entitas sektor Publik | Claims on Public sector entity - - -

3 Tagihan kepada Bank Pembangunan Multilateral dan lembaga Internasional | Claims on Multilateral Development Banks and International Institutions

- - -

4 Tagihan kepada Bank | Claims on Banks 16,754 3,351 13,403

5 Tagihan kepada Usaha Mikro, Usaha kecil dan Portofolio ritel | Claims on Micro and small enterprise, and retail Portfolio

- - -

6 Tagihan kepada korporasi | Claims on Corporate 2,058 2,058 -

Total Eksposur counterparty credit Risk | Total counterparty credit Risk 21,287 5,409 15,878 Total (A+B+c) 13,057,549 8,251,482 4,806,067

Page 171: Toward Excellent - MNC Bank · 17 suspensi dan/atau Delisting Suspension and/or Delisting 18 peristiwa enting 2016 2016 Event Highlights prOFil perusaHaan Company Profile 48 identitas

PT Bank MnC InTernasIonal TBk | laPoran TaHUnan 2016 annUal rePorT

169

Powering GrowthToward Excellent Execution

Tabel 4.2.a. pengungkapan Tagihan Bersih dan Teknik Mitigasi Risiko Kredit - Bank secara Individual | Disclosure of Net Receivable and credit Risk Mitigation(dalam jutaan rupiah | In Million rupiah)

No Kategori portofolioPortfolio Category

2016

Tagihan Bersihnet receivable

Bagian Yang Dijamin Denganexposure Which Is secured By

Bagian Yang Tidak DijaminUnsecured exposureAgunan

Cash Collateral

garansiGuarantee

Asuransi KreditCredit

Insurance

Lainnyaothers

(1) (2) (3) (4) (5) (6) (7) (8) = (3)-[(4)+(5)+(6)+(7)]

a eksPosUr neraCa | eksPosUr neraCa | BalanCe sHeeT exPosUre

1 Tagihan kepada Pemerintah | Claims on sovereign 2,959,816 - 2,959,816

2 Tagihan kepada entitas sektor Publik | Claims on Public sector entity 0 0 -

3 Tagihan kepada Bank Pembangunan Multilateral dan lembaga Internasional | Claims on Multilateral Development Banks and International Institutions

0 0 -

4 Tagihan kepada Bank | Claims on Banks 1,182,336 301,524 880,812

5 kredit Beragun rumah Tinggal | Claims secured by residential Property 624,060 218,421 405,639

6 kredit Beragun Properti komersial | Claims secured by Commercial real estate 493610 493610 -

7 kredit Pegawai / Pensiunan | employee loan/Pension 164029 82015 82,014

8 Tagihan kepada Usaha Mikro, Usaha kecil dan Portofolio ritel | Claims on Micro and small enterprise, and retail Portfolio

2200841 1650631 550,210

9 Tagihan kepada korporasi | Claims on Corporate 4,467,773 4497746 (29,973)

10 Tagihan Yang Telah Jatuh Tempo | Past Due Claims 371389 545419 (174,030)

11 aset lainnya | other assets 476914 361452 115,462

Total Eksposur Neraca | Total on Balance Sheet 12,940,768 8,150,818 4,789,950 B eksPosUr keWaJIBan koMITMen/konTInJensI PaDa TransaksI rekenInG aDMInIsTraTIF |

oFF BalanCe sHeeT

1 Tagihan kepada Pemerintah | Claims on sovereign - - -

2 Tagihan kepada entitas sektor Publik | Claims on Public sector entity - - -

3 Tagihan kepada Bank Pembangunan Multilateral dan lembaga Internasional | Claims on Multilateral Development Banks and International Institutions

- - -

4 Tagihan kepada Bank | Claims on Banks 28 14 14

5 kredit Beragun rumah Tinggal | Claims secured by residential Property - - -

6 kredit Beragun Properti komersial | Claims secured by Commercial real estate - - -

7 kredit Pegawai / Pensiunan | employee loan/Pension - - -

8 Tagihan kepada Usaha Mikro, Usaha kecil dan Portofolio ritel | Claims on Micro and small enterprise, and retail Portfolio

901 676 225

9 Tagihan kepada korporasi | Claims on Corporate 94,565 94,565 -

10 Tagihan Yang Telah Jatuh Tempo | Past Due Claims - - -

Total Eksposur TRA | Total off Balance Sheet 95,494 95,255 239 C eksPosUr akIBaT keGaGalan PIHak laWan (CoUnTerParTY CreDIT rIsk) |

CoUnTerParTY CreDIT rIsk

1 Tagihan kepada Pemerintah | Claims on sovereign 2,475 - 2,475

2 Tagihan kepada entitas sektor Publik | Claims on Public sector entity - - -

3 Tagihan kepada Bank Pembangunan Multilateral dan lembaga Internasional | Claims on Multilateral Development Banks and International Institutions

- - -

4 Tagihan kepada Bank | Claims on Banks 16,754 3,351 13,403

5 Tagihan kepada Usaha Mikro, Usaha kecil dan Portofolio ritel | Claims on Micro and small enterprise, and retail Portfolio

- - -

6 Tagihan kepada korporasi | Claims on Corporate 2,058 2,058 -

Total Eksposur counterparty credit Risk | Total counterparty credit Risk 21,287 5,409 15,878 Total (A+B+c) 13,057,549 8,251,482 4,806,067

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Tinjauan operasionaloperational review

Tabel 4.2.a. pengungkapan Tagihan Bersih dan Teknik Mitigasi Risiko Kredit - Bank secara Individual | Disclosure of Net Receivable and credit Risk Mitigation - Bank only(dalam jutaan rupiah | In Million rupiah)

No Kategori portofolioPortfolio Category

2015

Tagihan Bersihnet receivable

Bagian Yang Dijamin Denganexposure Which Is secured By

Bagian Yang Tidak DijaminUnsecured exposureAgunan

Cash Collateral

garansiGuarantee

Asuransi KreditCredit

Insurance

Lainnyaothers

(1) (2) (3) (4) (5) (6) (7) (8) = (3)-[(4)+(5)+(6)+(7)]

a eksPosUr neraCa | eksPosUr neraCa | BalanCe sHeeT exPosUre

1 Tagihan kepada Pemerintah | Claims on sovereign 2,204,771 - 2,204,771

2 Tagihan kepada entitas sektor Publik | Claims on Public sector entity - - -

3 Tagihan kepada Bank Pembangunan Multilateral dan lembaga Internasional | Claims on Multilateral Development Banks and International Institutions

- - -

4 Tagihan kepada Bank | Claims on Banks 2,245,107 477,229 1,767,878

5 kredit Beragun rumah Tinggal | Claims secured by residential Property 393,008 137,553 255,455

6 kredit Beragun Properti komersial | Claims secured by Commercial real estate 117,540 117,540 -

7 kredit Pegawai / Pensiunan | employee loan/Pension 208,248 104,124 104,124

8 Tagihan kepada Usaha Mikro, Usaha kecil dan Portofolio ritel | Claims on Micro and small enterprise, and retail Portfolio

169,240 126,930 42,310

9 Tagihan kepada korporasi | Claims on Corporate 6,067,938 6,022,502 45,436

10 Tagihan Yang Telah Jatuh Tempo | Past Due Claims 217,516 319,248 (101,732)

11 aset lainnya | other assets 345,774 265,840 79,934

Total Eksposur Neraca | Total on Balance Sheet 11,969,142 7,570,966 - - 4,398,176 B eksPosUr keWaJIBan koMITMen/konTInJensI PaDa TransaksI rekenInG aDMInIsTraTIF |

oFF BalanCe sHeeT

1 Tagihan kepada Pemerintah | Claims on sovereign - - -

2 Tagihan kepada entitas sektor Publik | Claims on Public sector entity - - -

3 Tagihan kepada Bank Pembangunan Multilateral dan lembaga Internasional | Claims on Multilateral Development Banks and International Institutions

- - -

4 Tagihan kepada Bank | Claims on Banks 2,350 1,175 1,175

5 kredit Beragun rumah Tinggal | Claims secured by residential Property - - -

6 kredit Beragun Properti komersial | Claims secured by Commercial real estate - - -

7 kredit Pegawai / Pensiunan | employee loan/Pension - - -

8 Tagihan kepada Usaha Mikro, Usaha kecil dan Portofolio ritel | Claims on Micro and small enterprise, and retail Portfolio

2,236 1,677 559

9 Tagihan kepada korporasi | Claims on Corporate 146,948 146,948 -

10 Tagihan Yang Telah Jatuh Tempo | Past Due Claims - - -

Total Eksposur TRA | Total off Balance Sheet 151,534 149,800 - - 1,734 C eksPosUr akIBaT keGaGalan PIHak laWan (CoUnTerParTY CreDIT rIsk) |

CoUnTerParTY CreDIT rIsk

1 Tagihan kepada Pemerintah | Claims on sovereign - - -

2 Tagihan kepada entitas sektor Publik | Claims on Public sector entity - - -

3 Tagihan kepada Bank Pembangunan Multilateral dan lembaga Internasional | Claims on Multilateral Development Banks and International Institutions

- - -

4 Tagihan kepada Bank | Claims on Banks 8,809 1,762 7,047

5 Tagihan kepada Usaha Mikro, Usaha kecil dan Portofolio ritel | Claims on Micro and small enterprise, and retail Portfolio

- - -

6 Tagihan kepada korporasi | Claims on Corporate 7,519 7,519 -

Total Eksposur counterparty credit Risk | Total counterparty credit Risk 16,328 9,281 - - 7,047 Total (A+B+c) 12,137,004 7,730,047 - - 4,406,957

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Powering GrowthToward Excellent Execution

Tabel 4.2.a. pengungkapan Tagihan Bersih dan Teknik Mitigasi Risiko Kredit - Bank secara Individual | Disclosure of Net Receivable and credit Risk Mitigation - Bank only(dalam jutaan rupiah | In Million rupiah)

No Kategori portofolioPortfolio Category

2015

Tagihan Bersihnet receivable

Bagian Yang Dijamin Denganexposure Which Is secured By

Bagian Yang Tidak DijaminUnsecured exposureAgunan

Cash Collateral

garansiGuarantee

Asuransi KreditCredit

Insurance

Lainnyaothers

(1) (2) (3) (4) (5) (6) (7) (8) = (3)-[(4)+(5)+(6)+(7)]

a eksPosUr neraCa | eksPosUr neraCa | BalanCe sHeeT exPosUre

1 Tagihan kepada Pemerintah | Claims on sovereign 2,204,771 - 2,204,771

2 Tagihan kepada entitas sektor Publik | Claims on Public sector entity - - -

3 Tagihan kepada Bank Pembangunan Multilateral dan lembaga Internasional | Claims on Multilateral Development Banks and International Institutions

- - -

4 Tagihan kepada Bank | Claims on Banks 2,245,107 477,229 1,767,878

5 kredit Beragun rumah Tinggal | Claims secured by residential Property 393,008 137,553 255,455

6 kredit Beragun Properti komersial | Claims secured by Commercial real estate 117,540 117,540 -

7 kredit Pegawai / Pensiunan | employee loan/Pension 208,248 104,124 104,124

8 Tagihan kepada Usaha Mikro, Usaha kecil dan Portofolio ritel | Claims on Micro and small enterprise, and retail Portfolio

169,240 126,930 42,310

9 Tagihan kepada korporasi | Claims on Corporate 6,067,938 6,022,502 45,436

10 Tagihan Yang Telah Jatuh Tempo | Past Due Claims 217,516 319,248 (101,732)

11 aset lainnya | other assets 345,774 265,840 79,934

Total Eksposur Neraca | Total on Balance Sheet 11,969,142 7,570,966 - - 4,398,176 B eksPosUr keWaJIBan koMITMen/konTInJensI PaDa TransaksI rekenInG aDMInIsTraTIF |

oFF BalanCe sHeeT

1 Tagihan kepada Pemerintah | Claims on sovereign - - -

2 Tagihan kepada entitas sektor Publik | Claims on Public sector entity - - -

3 Tagihan kepada Bank Pembangunan Multilateral dan lembaga Internasional | Claims on Multilateral Development Banks and International Institutions

- - -

4 Tagihan kepada Bank | Claims on Banks 2,350 1,175 1,175

5 kredit Beragun rumah Tinggal | Claims secured by residential Property - - -

6 kredit Beragun Properti komersial | Claims secured by Commercial real estate - - -

7 kredit Pegawai / Pensiunan | employee loan/Pension - - -

8 Tagihan kepada Usaha Mikro, Usaha kecil dan Portofolio ritel | Claims on Micro and small enterprise, and retail Portfolio

2,236 1,677 559

9 Tagihan kepada korporasi | Claims on Corporate 146,948 146,948 -

10 Tagihan Yang Telah Jatuh Tempo | Past Due Claims - - -

Total Eksposur TRA | Total off Balance Sheet 151,534 149,800 - - 1,734 C eksPosUr akIBaT keGaGalan PIHak laWan (CoUnTerParTY CreDIT rIsk) |

CoUnTerParTY CreDIT rIsk

1 Tagihan kepada Pemerintah | Claims on sovereign - - -

2 Tagihan kepada entitas sektor Publik | Claims on Public sector entity - - -

3 Tagihan kepada Bank Pembangunan Multilateral dan lembaga Internasional | Claims on Multilateral Development Banks and International Institutions

- - -

4 Tagihan kepada Bank | Claims on Banks 8,809 1,762 7,047

5 Tagihan kepada Usaha Mikro, Usaha kecil dan Portofolio ritel | Claims on Micro and small enterprise, and retail Portfolio

- - -

6 Tagihan kepada korporasi | Claims on Corporate 7,519 7,519 -

Total Eksposur counterparty credit Risk | Total counterparty credit Risk 16,328 9,281 - - 7,047 Total (A+B+c) 12,137,004 7,730,047 - - 4,406,957

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172

Tinjauan operasionaloperational review

MANAJEMEN RISIKORisk Management

4.2.a.1 Tabel Jumlah pengungkapan Tagihan Bersih dan Teknik Mitigasi Risiko Kredit - Bank secara Individual | Total Disclosure of Net Receivable and credit Risk Mitigation - Bank only (dalam jutaan rupiah | In Million rupiah)

Kategori portofolioPortfolio Category

2016

Tagihan Bersih

net receivable

Bagian Yang Dijamin DenganPart secured By Bagian

Yang Tidak Dijamin

Unsecured exposure

AgunanCash

Collateral

garansiGuarantee

Asuransi KreditCredit

Insurance

Lainnyaothers

Total eksposur neraca | Total on Balance sheet

12,940,768 8,150,818 - - - 4,789,950

Total eksposur Tra | Total off Balance sheet

95,494 95,255 - - - 239

Total eksposur Counterparty Credit risk | Total Counterparty Credit risk

21,287 5,409 - - - 15,878

Total (A+B+c) 13,057,549 8,251,482 - - - 4,806,067

4.2.a.1 Tabel Jumlah pengungkapan Tagihan Bersih dan Teknik Mitigasi Risiko Kredit - Bank secara Individual | Total Disclosure of Net Receivable and credit Risk Mitigation - Bank only (dalam jutaan rupiah | In Million rupiah)

Kategori portofolioPortfolio Category

2015

Kategori portofolioPortfolio Category

Bagian Yang Dijamin DenganPart secured By Bagian

Yang Tidak Dijamin

Unsecured exposure

AgunanCash

Collateral

garansiGuarantee

Asuransi KreditCredit

Insurance

Lainnyaothers

Total eksposur neraca | Total on Balance sheet

11,969,142 7,570,966 - - - 4,398,176

Total eksposur Tra | Total off Balance sheet

151,534 149,800 - - - 1,734

Total eksposur Counterparty Credit risk | Total Counterparty Credit risk

16,328 9,281 - - - 7,047

Total (A+B+c) 12,137,004 7,730,047 - - - 4,406,957

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Powering GrowthToward Excellent Execution

MANAJEMEN RISIKORisk Management

Tabel 6.1.1. pengungkapan Eksposur Aset di Neraca - Bank secara Individual | Disclosure of credit RwA under Standardized Approach – on Balance Sheet - Bank only(dalam jutaan rupiah | In Million rupiah)

No Kategori portofolioPortfolio Category

2016 2015

Tagihan Bersih

net receivable

ATMR Sebelum

MRKrWa

Before CrM

ATMR Setelah

MRKrWa after

CrM

Tagihan Bersih

net receivable

ATMR Sebelum

MRKrWa

Before CrM

ATMR Setelah

MRKrWa after

CrM

(1) (2) (3) (4) (5) (6) (7) (8)

1 Tagihan kepada Pemerintah | Claims on sovereign

2,959,816 - - 2,204,771 - -

2 Tagihan kepada entitas sektor Publik | Claims on Public sector entity

3 Tagihan kepada Bank Pembangunan Multilateral dan lembaga Internasional | Claims on Multilateral Development Banks and International Institutions

4 Tagihan kepada Bank | Claims on Banks

1,182,336 301,524 300,744 2,245,108 477,228 476,478

5 kredit Beragun rumah Tinggal | Claims secured by residential Property

624,060 218,421 218,421 393,008 137,553 137,553

6 kredit Beragun Properti komersial | Claims secured by Commercial real estate

493,610 493,610 493,610 117,540 117,540 117,540

7 kredit Pegawai / Pensiunan | employee loan/Pension

164,029 82,015 82,015 208,248 104,124 104,124

8 Tagihan kepada Usaha Mikro, Usaha kecil dan Portofolio ritel | Claims on Micro and small enterprise, and retail Portfolio

2,200,841 1,650,631 1,642,902 169,240 126,930 125,280

9 Tagihan kepada korporasi | Claims on Corporate

4,467,772 4,497,746 4,135,502 6,067,938 6,022,502 5,733,369

10 Tagihan Yang Telah Jatuh Tempo | Past Due Claims

371,389 545,419 511,846 217,516 319,248 291,237

11 aset lainnya | other assets 476,914 361,451 361,451 345,774 265,841 265,841

ToTAL 12,940,767 8,150,817 7,746,490 11,969,142 7,570,965 7,251,421

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174

Tinjauan operasionaloperational review

MANAJEMEN RISIKORisk Management

Tabel 6.1.2. pengungkapan Eksposur Kewajiban Komitmen/Kontijensi pada Transaksi Rekening Administratif - Bank secara Individual | Disclosure of credit RwA under Standardized Approach – off Balance Sheet - Bank only(dalam jutaan rupiah | In Million rupiah)

No Kategori portofolioPortfolio Category

2016 2015

Tagihan Bersih

net receivable

ATMR Sebelum

MRKrWa

Before CrM

ATMR Setelah

MRKrWa after

CrM

Tagihan Bersih

net receivable

ATMR Sebelum

MRKrWa

Before CrM

ATMR Setelah

MRKrWa after

CrM

(1) (2) (3) (4) (5) (6) (7) (8)

1 Tagihan kepada Pemerintah | Claims on sovereign

- - - - - -

2 Tagihan kepada entitas sektor Publik | Claims on Public sector entity

- - - - - -

3 Tagihan kepada Bank Pembangunan Multilateral dan lembaga Internasional | Claims on Multilateral Development Banks and International Institutions

- - - - - -

4 Tagihan kepada Bank | Claims on Banks

28 14 14 2,350 1,175 1,175

5 kredit Beragun rumah Tinggal | Claims secured by residential Property

- - - - - -

6 kredit Beragun Properti komersial | Claims secured by Commercial real estate

- - - - - -

7 kredit Pegawai / Pensiunan | employee loan/Pension

- - - - - -

8 Tagihan kepada Usaha Mikro, Usaha kecil dan Portofolio ritel | Claims on Micro and small enterprise, and retail Portfolio

901 676 676 2,236 1,677 1,677

9 Tagihan kepada korporasi | Claims on Corporate

94,565 94,565 94,565 146,948 146,948 146,948

10 Tagihan Yang Telah Jatuh Tempo | Past Due Claims

- - - - - -

ToTAL 95,494 95,255 95,255 151,534 149,800 149,800

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175

Powering GrowthToward Excellent Execution

MANAJEMEN RISIKORisk Management

Tabel 6.1.3. pengungkapan Eksposur Kewajiban Komitmen/Kontijensi pada Transaksi Rekening Administratif - Bank secara Individual | Disclosure of credit RwA under Standardized Approach – off Balance Sheet - Bank only(dalam jutaan rupiah | In Million rupiah)

No Kategori portofolioPortfolio Category

2016 2015

Tagihan Bersih

net receivable

ATMR Sebelum

MRKrWa

Before CrM

ATMR Setelah

MRKrWa after

CrM

Tagihan Bersih

net receivable

ATMR Sebelum

MRKrWa

Before CrM

ATMR Setelah

MRKrWa after

CrM

(1) (2) (3) (4) (5) (6) (7) (8)

1 Tagihan kepada Pemerintah | Claims on sovereign

- - - - - -

2 Tagihan kepada entitas sektor Publik | Claims on Public sector entity

- - - - - -

3 Tagihan kepada Bank Pembangunan Multilateral dan lembaga Internasional | Claims on Multilateral Development Banks and International Institutions

- - - - - -

4 Tagihan kepada Bank | Claims on Banks

28 14 14 2,350 1,175 1,175

5 kredit Beragun rumah Tinggal | Claims secured by residential Property

- - - - - -

6 kredit Beragun Properti komersial | Claims secured by Commercial real estate

- - - - - -

7 kredit Pegawai / Pensiunan | employee loan/Pension

- - - - - -

8 Tagihan kepada Usaha Mikro, Usaha kecil dan Portofolio ritel | Claims on Micro and small enterprise, and retail Portfolio

901 676 676 2,236 1,677 1,677

9 Tagihan kepada korporasi | Claims on Corporate

94,565 94,565 94,565 146,948 146,948 146,948

10 Tagihan Yang Telah Jatuh Tempo | Past Due Claims

- - - - - -

ToTAL 95,494 95,255 95,255 151,534 149,800 149,800

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176

Tinjauan operasionaloperational review

MANAJEMEN RISIKORisk Management

Tabel 6.1.7. pengungkapan Total pengukuran Risiko Kredit | Table Disclosure of Total credit Risk Measurement(dalam jutaan rupiah | In Million rupiah)

2016 2015ToTal aTMr rIsIko kreDIT | ToTal CreDIT rIsk WeIGHTeD asseT 7,847,156 7,410,502

ToTal FakTor PenGUranG MoDal | ToTal CaPITal DeDUCTIon FaCTor

-

Tabel 7.1. pengungkapan Risiko pasar Dengan Menggunakan Metode Standar | presents Market RwA under the Standardized Approach.(dalam jutaan rupiah | In Million rupiah)

No Jenis RisikoType of risk

2016 2015Beban ModalCapital Charge

ATMRrWa

Beban ModalCapital Charge

ATMRrWa

(1) (2) (3) (4) (3) (4)

1 risiko suku Bunga | Interest rate risk 2,261 28,258 15,143 189,287

a. Risiko Spesifik | Specific Risk - - - -

b. risiko Umum | General risk 2,261 28,258 15,143 189,287

2 risiko nilai Tukar | Foreign exchange risk 4,979 62,235 8,160 102,203

3 risiko option | option risk - - - -

ToTAL 7,240 90,494 23,303 291,490

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Powering GrowthToward Excellent Execution

MANAJEMEN RISIKORisk Management

Tabel 8.1.a pengungkapan Kuantitatif Risiko operasional - Bank secara Individual | Disclosure of operational RwA under Basic Indicator Approach - Bank only(dalam jutaan rupiah | In Million rupiah)

No Jenis RisikoType of risk

2016 2015pendapatan Bruto (Rata-rata 3 Tahun

Terakhir)Gross Income (average of last 3 Years)

Beban ModalCapital Charge

ATMRrWa

pendapatan Bruto (Rata-rata 3 Tahun

Terakhir)Gross Income (average of last 3 Years)

Beban ModalCapital Charge

ATMRrWa

(1) (2) (3) (4) (5) (6) (7) (8)

1 Pendekatan Indikator Dasar | Basic Indicator approach

355,905 53,386 667,322 365,731 54,860 685,745

ToTAL 355,905 53,386 667,322 365,731 54,860 685,745

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Tinjauan operasionaloperational review

Tabel 9.1.a. Pengungkapan Profil Maturitas Rupiah - Bank secara Individual | Disclosure of Maturity Profile – Rupiah - Bank Only(dalam jutaan rupiah | In Million rupiah)

No Rekeningaccount

2016

Saldonet

receivable

Jatuh TempoMaturity

≤ 1 bulanup to 1 month

> 1 bln s.d. 3 bln> 1 month to 3

months

> 3 bln s.d. 6 bln> 3 months to

6 months

> 6 bln s.d. 12 bln> 6 months to

12 months

> 12 bln> 12 months

(1) (2) (3) (4) (5) (6) (7) (8)

I neraCa | on BalanCe sHeeT

a. aset | assets

1 kas | Cash 141,971 141,971 - - - -

2 Penempatan pada Bank Indonesia | Placement to BI 1,431,551 1,431,551 - - - -

3 Penempatan pada Bank lain | Placement to other Bank 587,213 587,213 - - - -

4 surat Berharga | Marketable securities 1,375,817 150,197 49,532 48,952 30,000 1,097,136

5 kredit yang Diberikan | loan 7,481,426 271,011 237,630 233,866 784,937 5,953,982

6 Tagihan lainnya | other receivables 4,842 - 4,842 - - -

7 lain-lain | others 325,069 65,055 - - - 260,014

Jumlah Aset | Total Asset 11,347,889 2,646,998 292,004 282,818 814,937 7,311,132 B. kewajiban | liabilities

1 Dana Pihak ketiga | Deposit from Customer 8,400,202 1,543,709 211,538 16,201 95,324 6,533,430

2 kewajiban pada Bank Indonesia | liabilities to BI - - - - - -

3 kewajiban pada bank lain | liabilities to other Bank 507,316 - 507,316 - - -

4 surat Berharga yang Diterbitkan | Issued Marketable securities - - - - - -

5 Pinjaman yang Diterima | Borrowing - - - - - -

6 kewajiban lainnya | other liabilities 92,352 - 92,352 - - -

7 lain-lain | others 164,960 164,960 - - - -

Total kewajiban | Total liabilities 9,164,831 1,708,669 811,206 16,201 95,324 6,533,430

selisih aset dengan kewajiban dalam neraca | asset - liabilities 2,183,058 938,328 (519,202) 266,617 719,613 777,702

II rekenInG aDMInIsTraTIF | oFF BalanCe sHeeT

a. Tagihan rekening administratif | Derivative receivable

1 komitmen | Commitment 278,634 67,314 - - 211,320 -

2 kontinjensi | Contigent 98,220 98,220 - - - -

Total Tagihan rekening administratif | Total Derivative receivable 376,854 165,534 - - 211,320 -

B. kewajiban rekening administratif | Derivative Payable

1 komitmen | Commitment 1,013,266 877,461 135,805 - - -

2 kontinjensi | Contigent 17,353 17,353 - - - -

Total Kewajiban Rekening Administratif | Total Derivative payable 1,030,618 894,813 135,805 - - - Selisih Tagihan dan Kewajiban dalam Rekening Administratif | Derivative Receivable - Derivative payable

(653,764) (729,279) (135,805) - 211,320 -

Selisih (IA-IB)+(IIA-IIB) 1,529,294 209,049 (655,007) 266,617 930,933 777,702 Selisih Kumulatif | cummulative Difference 209,049 (445,958) (179,341) 751,592 1,529,294

MANAJEMEN RISIKORisk Management

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Powering GrowthToward Excellent Execution

Tabel 9.1.a. Pengungkapan Profil Maturitas Rupiah - Bank secara Individual | Disclosure of Maturity Profile – Rupiah - Bank Only(dalam jutaan rupiah | In Million rupiah)

No Rekeningaccount

2016

Saldonet

receivable

Jatuh TempoMaturity

≤ 1 bulanup to 1 month

> 1 bln s.d. 3 bln> 1 month to 3

months

> 3 bln s.d. 6 bln> 3 months to

6 months

> 6 bln s.d. 12 bln> 6 months to

12 months

> 12 bln> 12 months

(1) (2) (3) (4) (5) (6) (7) (8)

I neraCa | on BalanCe sHeeT

a. aset | assets

1 kas | Cash 141,971 141,971 - - - -

2 Penempatan pada Bank Indonesia | Placement to BI 1,431,551 1,431,551 - - - -

3 Penempatan pada Bank lain | Placement to other Bank 587,213 587,213 - - - -

4 surat Berharga | Marketable securities 1,375,817 150,197 49,532 48,952 30,000 1,097,136

5 kredit yang Diberikan | loan 7,481,426 271,011 237,630 233,866 784,937 5,953,982

6 Tagihan lainnya | other receivables 4,842 - 4,842 - - -

7 lain-lain | others 325,069 65,055 - - - 260,014

Jumlah Aset | Total Asset 11,347,889 2,646,998 292,004 282,818 814,937 7,311,132 B. kewajiban | liabilities

1 Dana Pihak ketiga | Deposit from Customer 8,400,202 1,543,709 211,538 16,201 95,324 6,533,430

2 kewajiban pada Bank Indonesia | liabilities to BI - - - - - -

3 kewajiban pada bank lain | liabilities to other Bank 507,316 - 507,316 - - -

4 surat Berharga yang Diterbitkan | Issued Marketable securities - - - - - -

5 Pinjaman yang Diterima | Borrowing - - - - - -

6 kewajiban lainnya | other liabilities 92,352 - 92,352 - - -

7 lain-lain | others 164,960 164,960 - - - -

Total kewajiban | Total liabilities 9,164,831 1,708,669 811,206 16,201 95,324 6,533,430

selisih aset dengan kewajiban dalam neraca | asset - liabilities 2,183,058 938,328 (519,202) 266,617 719,613 777,702

II rekenInG aDMInIsTraTIF | oFF BalanCe sHeeT

a. Tagihan rekening administratif | Derivative receivable

1 komitmen | Commitment 278,634 67,314 - - 211,320 -

2 kontinjensi | Contigent 98,220 98,220 - - - -

Total Tagihan rekening administratif | Total Derivative receivable 376,854 165,534 - - 211,320 -

B. kewajiban rekening administratif | Derivative Payable

1 komitmen | Commitment 1,013,266 877,461 135,805 - - -

2 kontinjensi | Contigent 17,353 17,353 - - - -

Total Kewajiban Rekening Administratif | Total Derivative payable 1,030,618 894,813 135,805 - - - Selisih Tagihan dan Kewajiban dalam Rekening Administratif | Derivative Receivable - Derivative payable

(653,764) (729,279) (135,805) - 211,320 -

Selisih (IA-IB)+(IIA-IIB) 1,529,294 209,049 (655,007) 266,617 930,933 777,702 Selisih Kumulatif | cummulative Difference 209,049 (445,958) (179,341) 751,592 1,529,294

MANAJEMEN RISIKORisk Management

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Tinjauan operasionaloperational review

Tabel 9.1.a. Pengungkapan Profil Maturitas Rupiah - Bank secara Individual | Disclosure of Maturity Profile – Rupiah - Bank Only(dalam jutaan rupiah | In Million rupiah)

No Rekeningaccount

2015

Saldonet

receivable

Jatuh TempoMaturity

≤ 1 bulanup to 1 month

> 1 bln s.d. 3 bln> 1 month to 3

months

> 3 bln s.d. 6 bln> 3 months to

6 months

> 6 bln s.d. 12 bln> 6 months to

12 months

> 12 bln> 12 months

(1) (2) (3) (4) (5) (6) (7) (8)

I neraCa | on BalanCe sHeeT

a. aset | assets

1 kas | Cash 105,030 105,030 - - - -

2 Penempatan pada Bank Indonesia | Placement to BI 1,128,424 1,128,424 - - - -

3 Penempatan pada Bank lain | Placement to other Bank 752,130 752,130 - - - -

4 surat Berharga | Marketable securities 1,133,162 - 154,500 39,555 39,786 899,321

5 kredit yang Diberikan | loan 6,210,033 75,060 437,615 300,916 945,216 4,451,226

6 Tagihan lainnya | other receivables 8,240 - 8,240 - - -

7 lain-lain | others 234,246 49,232 - - - 185,014

Jumlah Aset | Total Asset 9,571,265 2,109,876 600,355 340,471 985,002 5,535,561 B. kewajiban | liabilities

1 Dana Pihak ketiga | Deposit from Customer 7,636,049 1,108,528 64,387 16,575 124,588 6,321,971

2 kewajiban pada Bank Indonesia | liabilities to BI - - - - - -

3 kewajiban pada bank lain | liabilities to other Bank 500,705 - 500,705 - - -

4 surat Berharga yang Diterbitkan | Issued Marketable securities - - - - - -

5 Pinjaman yang Diterima | Borrowing - - - - - -

6 kewajiban lainnya | other liabilities 72,781 - 72,781 - - -

7 lain-lain | others 64,104 64,104 - - - -

Total kewajiban | Total liabilities 8,273,639 1,172,632 637,873 16,575 124,588 6,321,971

selisih aset dengan kewajiban dalam neraca | asset - liabilities 1,297,626 937,244 (37,518) 323,896 860,414 (786,410)

II rekenInG aDMInIsTraTIF | oFF BalanCe sHeeT

a. Tagihan rekening administratif | Derivative receivable

1 komitmen | Commitment 210,653 - 210,653 - - -

2 kontinjensi | Contigent 80,342 - - 80,342 - -

Total Tagihan rekening administratif | Total Derivative receivable 290,995 - 210,653 80,342 - -

B. kewajiban rekening administratif | Derivative Payable

1 komitmen | Commitment 278,839 - 278,839 - - -

2 kontinjensi | Contigent 9,752 - - 9,752 - -

Total Kewajiban Rekening Administratif | Total Derivative payable 288,591 - 278,839 9,752 - - Selisih Tagihan dan Kewajiban dalam Rekening Administratif | Derivative Receivable - Derivative payable

2,404 - (68,186) 70,590 - -

Selisih (IA-IB)+(IIA-IIB) 1,300,030 937,244 (105,704) 394,486 860,414 (786,410)Selisih Kumulatif | cummulative Difference 937,244 831,540 1,226,026 2,086,440 1,300,030

MANAJEMEN RISIKORisk Management

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Powering GrowthToward Excellent Execution

Tabel 9.1.a. Pengungkapan Profil Maturitas Rupiah - Bank secara Individual | Disclosure of Maturity Profile – Rupiah - Bank Only(dalam jutaan rupiah | In Million rupiah)

No Rekeningaccount

2015

Saldonet

receivable

Jatuh TempoMaturity

≤ 1 bulanup to 1 month

> 1 bln s.d. 3 bln> 1 month to 3

months

> 3 bln s.d. 6 bln> 3 months to

6 months

> 6 bln s.d. 12 bln> 6 months to

12 months

> 12 bln> 12 months

(1) (2) (3) (4) (5) (6) (7) (8)

I neraCa | on BalanCe sHeeT

a. aset | assets

1 kas | Cash 105,030 105,030 - - - -

2 Penempatan pada Bank Indonesia | Placement to BI 1,128,424 1,128,424 - - - -

3 Penempatan pada Bank lain | Placement to other Bank 752,130 752,130 - - - -

4 surat Berharga | Marketable securities 1,133,162 - 154,500 39,555 39,786 899,321

5 kredit yang Diberikan | loan 6,210,033 75,060 437,615 300,916 945,216 4,451,226

6 Tagihan lainnya | other receivables 8,240 - 8,240 - - -

7 lain-lain | others 234,246 49,232 - - - 185,014

Jumlah Aset | Total Asset 9,571,265 2,109,876 600,355 340,471 985,002 5,535,561 B. kewajiban | liabilities

1 Dana Pihak ketiga | Deposit from Customer 7,636,049 1,108,528 64,387 16,575 124,588 6,321,971

2 kewajiban pada Bank Indonesia | liabilities to BI - - - - - -

3 kewajiban pada bank lain | liabilities to other Bank 500,705 - 500,705 - - -

4 surat Berharga yang Diterbitkan | Issued Marketable securities - - - - - -

5 Pinjaman yang Diterima | Borrowing - - - - - -

6 kewajiban lainnya | other liabilities 72,781 - 72,781 - - -

7 lain-lain | others 64,104 64,104 - - - -

Total kewajiban | Total liabilities 8,273,639 1,172,632 637,873 16,575 124,588 6,321,971

selisih aset dengan kewajiban dalam neraca | asset - liabilities 1,297,626 937,244 (37,518) 323,896 860,414 (786,410)

II rekenInG aDMInIsTraTIF | oFF BalanCe sHeeT

a. Tagihan rekening administratif | Derivative receivable

1 komitmen | Commitment 210,653 - 210,653 - - -

2 kontinjensi | Contigent 80,342 - - 80,342 - -

Total Tagihan rekening administratif | Total Derivative receivable 290,995 - 210,653 80,342 - -

B. kewajiban rekening administratif | Derivative Payable

1 komitmen | Commitment 278,839 - 278,839 - - -

2 kontinjensi | Contigent 9,752 - - 9,752 - -

Total Kewajiban Rekening Administratif | Total Derivative payable 288,591 - 278,839 9,752 - - Selisih Tagihan dan Kewajiban dalam Rekening Administratif | Derivative Receivable - Derivative payable

2,404 - (68,186) 70,590 - -

Selisih (IA-IB)+(IIA-IIB) 1,300,030 937,244 (105,704) 394,486 860,414 (786,410)Selisih Kumulatif | cummulative Difference 937,244 831,540 1,226,026 2,086,440 1,300,030

MANAJEMEN RISIKORisk Management

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Tinjauan operasionaloperational review

Tabel 9.2.a. Pengungkapan Profil Maturitas Valas - Bank secara Individual | Disclosure of Maturity Profile – Foreign Currency - Bank Only(dalam jutaan rupiah | In Million rupiah)

No Rekeningaccount

2016

Saldonet

receivable

Jatuh TempoMaturity

≤ 1 bulanup to 1 month

> 1 bln s.d. 3 bln> 1 month to 3

months

> 3 bln s.d. 6 bln> 3 months to

6 months

> 6 bln s.d. 12 bln> 6 months to

12 months

> 12 bln> 12 months

(1) (2) (3) (4) (5) (6) (7) (8)

I neraCa | on BalanCe sHeeT

a. aset | assets

1 kas | Cash 3,004 3,004 - - - -

2 Penempatan pada Bank Indonesia | Placement to BI 572,581 572,581 - - - -

3 Penempatan pada Bank lain | Placement to other Bank 447,287 447,287 - - - -

4 surat Berharga | Marketable securities - - - - - -

5 kredit yang Diberikan | loan 460,369 47,208 230,083 2,695 26,042 154,341

6 Tagihan lainnya | other receivables 89,276 89,276 - - - -

7 lain-lain | others 2,183 1,900 - - - 283

Jumlah Aset | Total Asset 1,574,700 1,161,256 230,083 2,695 26,042 154,624 B. kewajiban | liabilities

1 Dana Pihak ketiga | Deposit from Customer 1,939,205 767,474 224,519 - 4,338 942,873

2 kewajiban pada Bank Indonesia | liabilities to BI - - - - - -

3 kewajiban pada bank lain | liabilities to other Bank - - - - - -

4 surat Berharga yang Diterbitkan | Issued Marketable securities - - - - - -

5 Pinjaman yang Diterima | Borrowing - - - - - -

6 kewajiban lainnya | other liabilities 90,441 - - - - 90,441

7 lain-lain | others 2,668 2,668 - - - -

Total kewajiban | Total liabilities 2,032,313 770,142 224,519 - 4,338 1,033,314 selisih aset dengan kewajiban dalam neraca | asset - liabilities (457,613) 391,114 5,564 2,695 21,704 (878,690)

II rekenInG aDMInIsTraTIF | oFF BalanCe sHeeT

a. Tagihan rekening administratif | Derivative receivable

1 komitmen | Commitment 821,732 687,007 134,725 - - -

2 kontinjensi | Contigent 8,652 8,652 - - - -

Total Tagihan rekening administratif | Total Derivative receivable 830,384 695,659 134,725 - - -

B. kewajiban rekening administratif | Derivative Payable

1 komitmen | Commitment 337,816 135,728 - - 202,088 -

2 kontinjensi | Contigent 8,084 8,084 - - - -

Total Kewajiban Rekening Administratif | Total Derivative payable 345,899 143,812 - - 202,088 - Selisih Tagihan dan Kewajiban dalam Rekening Administratif | Derivative Receivable - Derivative payable

484,485 551,848 134,725 - (202,088) -

Selisih (IA-IB)+(IIA-IIB) 26,872 942,961 140,289 2,695 (180,383) (878,690)

MANAJEMEN RISIKORisk Management

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Powering GrowthToward Excellent Execution

Tabel 9.2.a. Pengungkapan Profil Maturitas Valas - Bank secara Individual | Disclosure of Maturity Profile – Foreign Currency - Bank Only(dalam jutaan rupiah | In Million rupiah)

No Rekeningaccount

2016

Saldonet

receivable

Jatuh TempoMaturity

≤ 1 bulanup to 1 month

> 1 bln s.d. 3 bln> 1 month to 3

months

> 3 bln s.d. 6 bln> 3 months to

6 months

> 6 bln s.d. 12 bln> 6 months to

12 months

> 12 bln> 12 months

(1) (2) (3) (4) (5) (6) (7) (8)

I neraCa | on BalanCe sHeeT

a. aset | assets

1 kas | Cash 3,004 3,004 - - - -

2 Penempatan pada Bank Indonesia | Placement to BI 572,581 572,581 - - - -

3 Penempatan pada Bank lain | Placement to other Bank 447,287 447,287 - - - -

4 surat Berharga | Marketable securities - - - - - -

5 kredit yang Diberikan | loan 460,369 47,208 230,083 2,695 26,042 154,341

6 Tagihan lainnya | other receivables 89,276 89,276 - - - -

7 lain-lain | others 2,183 1,900 - - - 283

Jumlah Aset | Total Asset 1,574,700 1,161,256 230,083 2,695 26,042 154,624 B. kewajiban | liabilities

1 Dana Pihak ketiga | Deposit from Customer 1,939,205 767,474 224,519 - 4,338 942,873

2 kewajiban pada Bank Indonesia | liabilities to BI - - - - - -

3 kewajiban pada bank lain | liabilities to other Bank - - - - - -

4 surat Berharga yang Diterbitkan | Issued Marketable securities - - - - - -

5 Pinjaman yang Diterima | Borrowing - - - - - -

6 kewajiban lainnya | other liabilities 90,441 - - - - 90,441

7 lain-lain | others 2,668 2,668 - - - -

Total kewajiban | Total liabilities 2,032,313 770,142 224,519 - 4,338 1,033,314 selisih aset dengan kewajiban dalam neraca | asset - liabilities (457,613) 391,114 5,564 2,695 21,704 (878,690)

II rekenInG aDMInIsTraTIF | oFF BalanCe sHeeT

a. Tagihan rekening administratif | Derivative receivable

1 komitmen | Commitment 821,732 687,007 134,725 - - -

2 kontinjensi | Contigent 8,652 8,652 - - - -

Total Tagihan rekening administratif | Total Derivative receivable 830,384 695,659 134,725 - - -

B. kewajiban rekening administratif | Derivative Payable

1 komitmen | Commitment 337,816 135,728 - - 202,088 -

2 kontinjensi | Contigent 8,084 8,084 - - - -

Total Kewajiban Rekening Administratif | Total Derivative payable 345,899 143,812 - - 202,088 - Selisih Tagihan dan Kewajiban dalam Rekening Administratif | Derivative Receivable - Derivative payable

484,485 551,848 134,725 - (202,088) -

Selisih (IA-IB)+(IIA-IIB) 26,872 942,961 140,289 2,695 (180,383) (878,690)

MANAJEMEN RISIKORisk Management

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PT Bank MnC InTernasIonal TBk | laPoran TaHUnan 2016 annUal rePorT

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Tinjauan operasionaloperational review

MANAJEMEN RISIKORisk Management

Tabel 9.2.a. Pengungkapan Profil Maturitas Valas - Bank secara Individual | Disclosure of Maturity Profile – Foreign Currency - Bank Only(dalam jutaan rupiah | In Million rupiah)

No Rekeningaccount

2015

Saldonet

receivable

Jatuh TempoMaturity

≤ 1 bulanup to 1 month

> 1 bln s.d. 3 bln> 1 month to 3

months

> 3 bln s.d. 6 bln> 3 months to

6 months

> 6 bln s.d. 12 bln> 6 months to

12 months

> 12 bln> 12 months

(1) (2) (3) (4) (5) (6) (7) (8)

I neraCa | on BalanCe sHeeT

a. aset | assets

1 kas | Cash 3,925 3,925 - - - -

2 Penempatan pada Bank Indonesia | Placement to BI 170,934 170,934 - - - -

3 Penempatan pada Bank lain | Placement to other Bank 1,362,863 1,362,863 - - - -

4 surat Berharga | Marketable securities 40,792 40,792 - - - -

5 kredit yang Diberikan | loan 837,232 28,535 139,973 91,836 252,031 324,857

6 Tagihan lainnya | other receivables 21,235 21,235 - - - -

7 lain-lain | others 4,756 4,756 - - - -

Jumlah Aset | Total Asset 2,441,737 1,633,040 139,973 91,836 252,031 324,857 B. kewajiban | liabilities

1 Dana Pihak ketiga | Deposit from Customer 2,130,486 850,466 400,399 - - 879,621

2 kewajiban pada Bank Indonesia | liabilities to BI - - - - - -

3 kewajiban pada bank lain | liabilities to other Bank - - - - - -

4 surat Berharga yang Diterbitkan | Issued Marketable securities - - - - - -

5 Pinjaman yang Diterima | Borrowing - - - - - -

6 kewajiban lainnya | other liabilities 22,139 - - - - 22,139

7 lain-lain | others 2,536 2,536 - - - -

Total kewajiban | Total liabilities 2,155,161 853,002 400,399 - - 901,760 selisih aset dengan kewajiban dalam neraca | asset - liabilities 286,576 780,038 (260,426) 91,836 252,031 (576,902)

II rekenInG aDMInIsTraTIF | oFF BalanCe sHeeT

a. Tagihan rekening administratif | Derivative receivable

1 komitmen | Commitment (227,779) - (227,779) - - -

2 kontinjensi | Contigent 8,875 - - 8,875 - -

Total Tagihan rekening administratif | Total Derivative receivable (218,904) - (227,779) 8,875 - -

B. kewajiban rekening administratif | Derivative Payable

1 komitmen | Commitment 74,524 - 74,524 - - -

2 kontinjensi | Contigent 8,271 - - 8,271 - -

Total Kewajiban Rekening Administratif | Total Derivative payable 82,795 - 74,524 8,271 - - Selisih Tagihan dan Kewajiban dalam Rekening Administratif | Derivative Receivable - Derivative payable

(301,699) - (302,304) 604 - -

Selisih Kumulatif (IA-IB)+(IIA-IIB) (15,123) 780,038 (562,730) 92,440 252,031 (576,902) 780,038 217,308 309,748 561,779 (15,123)

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Powering GrowthToward Excellent Execution

MANAJEMEN RISIKORisk Management

Tabel 9.2.a. Pengungkapan Profil Maturitas Valas - Bank secara Individual | Disclosure of Maturity Profile – Foreign Currency - Bank Only(dalam jutaan rupiah | In Million rupiah)

No Rekeningaccount

2015

Saldonet

receivable

Jatuh TempoMaturity

≤ 1 bulanup to 1 month

> 1 bln s.d. 3 bln> 1 month to 3

months

> 3 bln s.d. 6 bln> 3 months to

6 months

> 6 bln s.d. 12 bln> 6 months to

12 months

> 12 bln> 12 months

(1) (2) (3) (4) (5) (6) (7) (8)

I neraCa | on BalanCe sHeeT

a. aset | assets

1 kas | Cash 3,925 3,925 - - - -

2 Penempatan pada Bank Indonesia | Placement to BI 170,934 170,934 - - - -

3 Penempatan pada Bank lain | Placement to other Bank 1,362,863 1,362,863 - - - -

4 surat Berharga | Marketable securities 40,792 40,792 - - - -

5 kredit yang Diberikan | loan 837,232 28,535 139,973 91,836 252,031 324,857

6 Tagihan lainnya | other receivables 21,235 21,235 - - - -

7 lain-lain | others 4,756 4,756 - - - -

Jumlah Aset | Total Asset 2,441,737 1,633,040 139,973 91,836 252,031 324,857 B. kewajiban | liabilities

1 Dana Pihak ketiga | Deposit from Customer 2,130,486 850,466 400,399 - - 879,621

2 kewajiban pada Bank Indonesia | liabilities to BI - - - - - -

3 kewajiban pada bank lain | liabilities to other Bank - - - - - -

4 surat Berharga yang Diterbitkan | Issued Marketable securities - - - - - -

5 Pinjaman yang Diterima | Borrowing - - - - - -

6 kewajiban lainnya | other liabilities 22,139 - - - - 22,139

7 lain-lain | others 2,536 2,536 - - - -

Total kewajiban | Total liabilities 2,155,161 853,002 400,399 - - 901,760 selisih aset dengan kewajiban dalam neraca | asset - liabilities 286,576 780,038 (260,426) 91,836 252,031 (576,902)

II rekenInG aDMInIsTraTIF | oFF BalanCe sHeeT

a. Tagihan rekening administratif | Derivative receivable

1 komitmen | Commitment (227,779) - (227,779) - - -

2 kontinjensi | Contigent 8,875 - - 8,875 - -

Total Tagihan rekening administratif | Total Derivative receivable (218,904) - (227,779) 8,875 - -

B. kewajiban rekening administratif | Derivative Payable

1 komitmen | Commitment 74,524 - 74,524 - - -

2 kontinjensi | Contigent 8,271 - - 8,271 - -

Total Kewajiban Rekening Administratif | Total Derivative payable 82,795 - 74,524 8,271 - - Selisih Tagihan dan Kewajiban dalam Rekening Administratif | Derivative Receivable - Derivative payable

(301,699) - (302,304) 604 - -

Selisih Kumulatif (IA-IB)+(IIA-IIB) (15,123) 780,038 (562,730) 92,440 252,031 (576,902) 780,038 217,308 309,748 561,779 (15,123)

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186

Tinjauan operasionaloperational review

SuMBER DAYA MANUSIAHuMAN RESOuRCES

Sejumlah pencapaian yang berhasil diraih MNc Bank pada tahun 2016 tidak lepas dari kontribusi karyawan yang handal dan profesional di bidangnya.Human resources and the contribution of reliable, professional employees are inseparable from a number of MNC Bank’s achievements in 2016.

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KEBIJAKAN pENgELoLAAN SUMBER DAYA MANUSIABagi MnC Bank, sDM adalah tulang punggung perkembangan usaha. sejumlah pencapaian yang berhasil diraih Bank pada tahun 2016 tidak lepas dari kontribusi karyawan yang handal dan profesional di bidangnya. MnC Bank memandang karyawan sebagai aset. Berkomitmen memberikan pengalaman bekerja yang baik, MnC Bank juga senantiasa membangun kompetensi karyawan melalui berbagai program pengembangan dan pelatihan—dua hal yang amat penting, terlebih dalam lingkungan usaha modern yang dinamis dan menuntut daya inovasi tinggi. selain itu, MnC Bank juga menaruh perhatian besar pada internalisasi nilai dan budaya kerja sebagai landasan integritas karyawan.

Dengan kemauan untuk terus memperbaiki diri, pada tahun 2016 MnC Bank menggarisbawahi pada penguatan budaya dan nilai-nilai MnC Bank, selain memastikan bahwa setip individu memiliki keahlian dan kompetensi yang dibutuhkan untuk mendukung implementasi strategi usaha.

Upaya di atas tidak lepas dari tantangan. sejalan dengan persaingan pasar yang semakin ketat, persaingan untuk mendapatkan tenaga kerja profesional dan handal pun turut meningkat. MnC Bank mengatasi hal ini dengan mengikuti beragam acara seminar dan job fair untuk meningkatkan brand awareness, berinovasi

HUMAN RESoURcE MANAgEMENT poLIcY

For MnC Bank, human resource is the backbone of business growth and development. Human resource and the contribution of reliable, professional employees are inseparable from a number of MnC Bank’s achievements in 2016. Committed to creating a positive work experience, MnC Bank consistently develops the competence of employees through various development and training programs—these programs are crucial especially in today’s modern business environment that is dynamic and demands the ability of businesses to innovate. In addition to that, MnC Bank also places great emphasis on value and work culture internalization as the foundation of employees’ integrity.

Dedicated to continuous improvement, in 2016 MnC Bank’s human resource management underlined the strengthening of MnC Bank’s culture and values as well as making sure that every individual was equipped with the skills and competence required to support business strategy implementation.

not immune to challenges, as business competition heightens, the competition to attract professional and competent banking talents also increases. MnC Bank overcomes this particular challenge by actively participating in seminars and job fairs to raise brand awareness. MnC Bank also innovates by utilizing

Membangun kompetensi karyawan melalui berbagai program pengembangan dan pelatihan amat penting, terlebih dalam lingkungan usaha modern yang dinamis dan menuntut daya inovasi tinggi.Developing the competence of employees through various development and training programs are crucial especially in today’s modern business environment that is dynamic and demands the ability of businesses to innovate.

SuMBER DAYA MANuSIAHuman Resources

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mengidentifikasi individu berbakat yang sesuai dengan visi-misi Bank untuk pertumbuhan ritel berbasis digital di media sosial dan merujuk pada referensi karyawan yang berkinerja baik.

langkah mengatasi tantangan dan pengembangan sDM lain dirangkum ke dalam lima langkah strategis MnC Bank berikut ini:1. Staffing: pemenuhan kebutuhan sDM berdasarkan

desain organisasi dan perencanan kapasitas. MnC Bank telah merekrut para profesional perbankan untuk berkontribusi dalam proses transformasi MnC Bank.

2. Developing: pengembangan sDM melalui program-program pelatihan, sistem penilaian kinerja yang terstruktur serta pengelolaan talent.

3. Retaining: menjaga sDM agar tetap berprestasi dan termotivasi, dengan menerapkan konsep pay for performance dan tetap memperhatikan standar industri.

4. Culture Building: MnC Bank memerlukan satu identitas (core value) yang membedakan MnC Bank dengan Bank yang lain. MnC Bank mempunyai nilai budaya yang menjadi pondasi perilaku bagi pegawai, yaitu PrIDe.

5. HRIS: Penerapan Human Resources Information Systems untuk mendukung pencapaian strategy sDM

kelima langkah strategis di atas dilaksanakan untuk mencapai target pengelolaan sDM pada tahun 2016, yaitu:· Pemenuhan Man Power Plan, terutama untuk

posisi kunci· Pemenuhan Sertifikasi Manajemen Risiko untuk

karyawan· Perbaikan efisiensi dan efektivitas proses HR yang

terus menerus · Melaksanakan program pelatihan dan

pengembangan karyawan baik untuk hard skill maupun soft skill.

· Pemenuhan persyaratan rasio biaya training 5% dari biaya karyawan atau 3 hari pelatihan per karyawan.

· Turn-over rate maksimal 20%· Mengawali pengembangan HrIs

social media to identify talented individuals that share MnC Bank’s vision and mission to drive digital-based consumer retail banking. In addition, MnC Bank also makes use of referral on top performing employees.

The following five human resource management strategies sum up MnC Bank’s efforts to address challenges and to develop its human resource:1. Staffing: fulfillment of human resource needs

based on organizational design and capacity planning. MnC Bank recruits professional banking talents to contribute in MnC Bank transformation process.

2. Developing: development of human resource through training programs, structured performance evaluation system, talent management.

3. Retaining: maintaining the quality of human resource’s performance and motivation by applying ‘pay for performance’ remuneration concept whilst taking into account industry standard.

4. culture Building: MnC Bank requires an identity (core value) that differentiates MnC Bank with other banks. MNC Bank also has defined PRIDE as its values upon which the conduct of employees is founded.

5. HRIS: Implementation of Human resources Information systems to support human resource strategy realization

In 2016, the five strategic steps were carried out in order to meet the following Hr targets:

· Meeting Man Power Plan, especially for key positions

· Fulfillment of Risk Management Certification for employees

· Continuous improvement of Hr process effectiveness and efficiency

· Implementation of the employees’ hard skills and soft skills training and development

· 5% training cost ratio of the staff cost or 3 training days/employee

· Maximum turnover rate of 20%· Initiated HrIs development

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HR oRgANIZATIoNIn MnC Bank, Human resources management is carried out by Human resource Group with four divisions. The organizational structure of Hr Group is as follows.

Function and Responsibility Scope of Human Resources groupThe Human resources Group has the following functions and scope of responsibilities:a. Manage and develop MnC Bank’s human

resource, including planning, implementation, and development of Hr quality

b. recommend alternative solutions to business units for human resource-related issues in order to contribute to the attainment of business targets

c. Internalize Corporate Culture and participate in the implementation of corporate governance

The Human resources Group has four divisions, each with separate scope of responsibilities as elaborated below.

oRgANISASI SDM Pengelolaan Human Resources pada MnC Bank dilaksanakan oleh Human Resources Group, yang memiliki 4 divisi dengan struktur organisasi sebagai berikut:

Human Resources group Head

HR Business partner & ER/IR

Learning & DevelopmentHR operation compensation

o& Benefit

Fungsi dan Ruang Lingkup Tugas Human Resources groupHuman Resources Group memiliki fungsi dan ruang lingkup berikut:a. Mengelola dan mengembangkan sDM

perusahaan, termasuk melakukan perencanaan, pelaksanaan dan pengembangan kualitas sDM.

b. Memberikan alternatif solusi kepada unit bisnis untuk permasalahan yang menyangkut sDM sehingga dapat membantu meningkatkan pencapaian target usaha.

c. Melakukan internalisasi Corporate Culture dan turut melaksanakan GCG.

Human Resources Group terdiri dari empat divisi yang masing-masing memiliki uraian tanggung jawab sebagaimana dijelaskan dalam tabel di bawah.

Unit Kerja Lingkup Tanggung JawabHR Business Partner & ER/IR

· komunikasi sDM dengan unit bisnis, pembahasan masalah pengembangan karyawan, pemenuhan keperluan karyawan, evaluasi kinerja, pengembangan organisasi, dan evaluasi efisiensi organisasi | Hr communications with business units, addressing issues of employee development, fulfillment of employees’ needs, performance evaluation, organizational development, and organizational efficiency evaluation

· Hubungan industrial, memelihara lingkungan kerja yang harmonis dengan seluruh elemen - Manajemen, serikat Pekerja, dan Pemerintah | Industrial relations, maintaining harmonious work environment with all elements – the Management, Union, and the Governmen

HR Operation Proses pelaksanaan fungsi operasional dan pelayanan yang meliputi fungsi payroll administrasi tunjangan | Operational and service functions, covering payroll benefit administration

Learning & Development

Pengembangan program pelatihan dan pendidikan yang sejalan dengan sasaran bisnis MnC Bank. | Training and education program development in line with MnC Bank’s business goals.

Compensation & Benefits

Merancang paket kompensasi dan tunjangan karyawan secara menyeluruh, dengan memperhatikan standar industri dan kemampuan perusahaan | Designing comprehensive compensation packages and benefits, taking into account industry standard and Bank’s capacity

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pENgEMBANgAN oRgANISASI BANKselama tahun 2016, MnC Bank telah melalui berbagai perubahan organisasi untuk menyelaraskan dengan arah bisnis. Beberapa perubahan yang signifikan di antaranya yaitu:1. Perubahan organisasi yang membawahi Funding

Business2. Menambahkan organisasi yang khusus

membidangi pengembangan produk 3. Special Asset Management unit diberikan porsi

lebih besar dalam struktur organisasi Bank untuk penanganan kredit bermasalah yang lebih baik

4. Perubahan model organisasi kantor cabang untuk memangkas birokrasi dan percepatan proses kerja

AKUISISI SUMBER DAYA MANUSIA akuisisi sDM di MnC Bank dilakukan dengan mengacu pada kebijakan rekrutmen dan seleksi karyawan serta Man Power Plan yang telah ditetapkan.

Untuk merekrut karyawan yang memiliki potensi dan kualifikasi di bidangnya, MNC Bank menggunakan sumber internal maupun eksternal. Melalui sumber internal, atau internal Job Posting, Bank membuka kesempatan kepada karyawan yang telah memenuhi syarat untuk mengisi posisi yang tersedia. Program ini juga bertujuan mendukung proses pengembangan karier karyawan. selanjutnya, pemanfatan sumber eksternal dilakukan untuk mengisi posisi kunci, yang diharapkan dapat membawa best-practice yang dapat diterapkan di MnC Bank, serta jika kebutuhan sDM tidak dapat dipenuhi dari sumber internal.

Per Desember 2016, MnC Bank mengelola 1.060 sDM, termasuk Direksi, komisaris dan anggota komite di bawah komisaris.

pELATIHAN DAN pENgEMBANgANMnC Bank melaksanakan program pelatihan dan pengembangan karyawan secara berkelanjutan dan relevan dengan jabatan serta pekerjaan karyawan bersangkutan. Pengembangan kompetensi yang bertujuan mengasah hard skill mapun soft skill menjadi salah satu program utama MnC Bank pada tahun 2016. sesuai dengan kebijakan Bank, setiap atasan wajib

BANK’S oRgANIZATIoNAL DEVELopMENTIn 2016, MnC Bank went through organizational changes to align with its new business direction. some of the significant changes are:

1. Change of Funding Business organization

2. establishment of a dedicated organization for product development

3. special asset Management Unit today has greater scope of tasks within MnC Bank’s organizational structure for a better non-performing loan mitigation

4. Change of branch organizational model, cutting down bureaucracy and accelerating work process

HUMAN RESoURcES AcQUISITIoNHuman resource acquisition in MnC Bank observes MnC Bank’s recruitment and selection policy as well as the Man Power Plan.

To recruit employees with the potential to grow and suitable qualifications, MNC Bank utilizes internal and external sources. Through internal source, the internal Job Posting, MnC Bank opens opportunities for eligible employees to apply for vacant positions. By doing so, the program also supports employee career development program. other than that, external source is taped into when MnC Bank requires people in key positions. external hires are expected to bring best practices applicable in MnC Bank. external source is also utilized when MnC Bank cannot identify suitable candidates from its internal talent pool.

as of December 2016, MnC Bank manages 1,060 workforce, including Directors, Commissioners, and members of committees under the Board of Commissioners.

TRAININg AND DEVELopMENTMnC Bank conducts continuous employee training and development programs with materials tailored to position level and job description of the employees. Competence development hones hard skill and soft skill sets of employees and was one of MnC Bank’s priorities in 2016. Pursuant to MnC Bank’s policy, every superior must ensure that his/her subordinates

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memastikan bahwa setiap bawahannya telah memiliki kompetensi yang dipersyaratkan untuk masing-masing jabatan, sehingga karyawan dapat bekerja secara optimal dan memberikan kinerja yang terbaik bagi MnC Bank.

Untuk menunjang komitmen ini Bank memastikan setiap karyawan mendapatkan rata-rata 3,5 hari pelatihan/karyawan.

MnC Bank memiliki program pelatihan dan pengembangan berikut:

1. Mandatory TrainingProgram yang bersifat wajib untuk memenuhi aspek kepatuhan dan menjaga MnC Bank dari potensi risiko yang dihadapi.

2. Leadership TrainingProgram ini ditujukan untuk meningkatkan kemampuan kepemimpinan sebagai people manager serta memastikan bahwa karyawan mengetahui dan menerapkan budaya serta nilai-nilai MnC Bank.

3. product/Technical SkillProgram ini ditujukan untuk meningkatkan kemampuan teknis karyawan serta pengenalan produk Bank.

4. Soft Skill, culture, and Service Quality Program ini ditujukan untuk meningkatkan kemampuan non teknikal dan bersifat personal development.

selanjutnya, metode yang digunakan dalam pelatihan dan pengembangan karyawan adalah sebagai berikut :1. In-class - metode penyampaian materi oleh

pengajar dalam satu ruangan yang sama2. online/virtual – metode transfer pengetahuan

menggunakan teknologi informasi dan komunikasi3. Self-learning - metode pengembangan mandiri;

materi dikirimkan untuk dipelajari dan diterapkan oleh karyawan

4. on the Job/Special Assignment – kegiatan lain untuk pelatihan dan pengembangan, seperti sharing session dengan pimpinan, informal sharing dan knowledge sharing saat perjalanan dinas.

have sufficient skills required for their positions so that employees can work and contribute optimally to MnC Bank.

MnC Bank committed to ensure all off employees attendedaverage 3.5 training days/employee.

MnC Bank has the following training and development programs:

1. Mandatory Training – mandatory training is held to comply with regulatory requirements and to protect MnC Bank from potential risk exposure.

2. Leadership Training – leadership training aims to enhance the leadership skills as people’s manager, and to ensure that employees know and apply MnC Bank’s culture and values.

3. product/Technical Skills – aims to enhance the employees’ technical abilities as well as to introduce MnC Bank’s products.

4. Soft Skill, culture, and Service Quality – aims to enhance non-technical skills and emphasizes on personal development.

MnC Bank has a number of methods used to deliver the training and development programs:1. In-class – a training method where the instructor

and participants are present in the same room2. online/virtual – knowledge transfer method using

Information Communications Technology3. Self-learning – independent learning method;

materials are sent for perusal and to be applied by employees

4. on the job/special assignment – other activities for training and development, such as sharing session with leaders, informal sharing, and knowledge sharing during business travels.

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Proses perencanaan kebutuhan pelatihan dan pengembangan dilakukan setiap awal tahun dengan tahapan sebagai berikut:

1. analisis kebutuhan pelatihan dan pengembangan dilakukan oleh atasan karyawan yang selanjutnya disampaikan kepada Human resource Group

2. Pengembangan program pelatihan dan pengembangan berdasarkan hasil pada tahap pertama. Pengembangan program dituangkan ke dalam kurikulum pelatihan.

3. Penyampaian program pelatihan dan pengembangan diinformasikan kepada seluruh karyawan sebagai acuan penyusunan Individual Development Plan (IDP).

4. karyawan dan atasan menyusun Individual Development Plan serta memantau pencapaiannya.

ringkasan jumlah karyawan dan pelatihan yang diikuti pada tahun 2016 adalah sebagai berikut.

Tabel Realisasi pelaksanaan Training Karyawanemployee Training Implementation

no. BulanMonth

Aktivitas pelatihanTraining activities

Jumlah pegawaiTotal employees

1Januari | January

1. Program pelatihan wajib / mandatory training 167

2. Product & technical skill 330

2

Februari | February

1. Program pelatihan wajib / mandatory training 106

2. Product & technical skill 371

3. Program kepemimpinan / leadership training 14

4. soft skill dan culture & service quality 82

3

Maret | March

1. Program pelatihan wajib / mandatory training 184

2. Product & technical skill 55

3. soft skill dan culture & service quality 297

4

april | april

1. Program pelatihan wajib / mandatory training 82

2. Product & technical skill 245

3. soft skill dan culture & service quality 19

5Mei | May

1. Product & technical skill 185

2. soft skill dan culture & service quality 125

3. Program kepemimpinan / leadership training 1

6Juni | June

1. Program pelatihan wajib / mandatory training 9

2. Product & technical skill 56

MNC Bank identifies training and development needs every beginning of year and follows the following phases:

1. Training and development needs analysis by superiors, recommended to Hr Group

2. Training and development planning based on the analysis in the first phase. Planning is written as curriculum.

3. Informing all employees of training and development programs as reference for Individual Development Plan (IDP).

4. subordinates and superiors develop the IDP and monitor employee’s progress.

In details, the number of employees participating in training programs and training sessions in 2016 are as follows

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Tabel Realisasi pelaksanaan Training Karyawanemployee Training Implementation

no. BulanMonth

Aktivitas pelatihanTraining activities

Jumlah pegawaiTotal employees

7Juli | July

1. Product & technical skill 211

2. soft skill dan Culture & service Quality 93

8

agustus | august

1. Program pelatihan wajib / mandatory training 114

2. Product & technical skill 93

3. Program kepemimpinan / leaderhip training 87

9september | september

1. Program pelatihan wajib / mandatory training 61

2. Product & technical skill 195

3. soft skill dan culture & service quality 96

10oktober | october

1. Program pelatihan wajib / mandatory training 76

2. Product & technical skill 95

11november | november

1. Program pelatihan wajib / mandatory training 81

2. Product & technical skill 153

3. soft skill dan culture & service quality 82

12 Desember | December

1. Program pelatihan wajib / mandatory training 50

2. Product & technical skill 324

salah satu Mandatory Training adalah Sertifikasi Manajemen Risiko. Data pemenuhan Sertifikasi Manajemen resiko untuk masing-masing level jabatan adalah sebagai berikut.

Jenjang Jabatanlevel

Jumlah pejabat

number of Individuals

Passed Risk Management Certification (reguler)

passed Risk Management Certification

(for Commissioner)*

Level 5 Level 4 Level 3 Level 2 Level 1 Level 2 Level 1komisaris | Commissioner 3 - 2 - - - 1 -

Direksi | Director 5 5 - - - - - -

1 level di bawah Direksi1 level below Director 20 - 15 3 2 - - -

2 level di bawah Direksi2 levels below Director 67 - - 63 4 - - -

3 level di bawah Direksi3 levels below Director 96 - - - 91 4 - -

4 level di bawah Direksi4 levels below Director 252 - - - - 225 - -

catatan:*) Komisaris hanya diwajibkan Sertifikasi Manajemen Risiko level 1 dan Level 2 Note: *) A commissioner is only required to take Level 1 and Level 2 Risk Management Certification

Risk Management Certification is one of MNC Bank’s mandatory training. Risk Management Certification by job level is as follows.

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pENILAIAN KINERJAUntuk memastikan sasaran organisasi dicapai secara konsisten melalui cara yang efektif dan efisien, MNC Bank menjalankan sistem Pengelolaan kinerja dengan tujuan:- Memastikan strategi bank dan tujuan masing-

masing group/unit/cabang secara kuantitatif dan kualitatif selaras

- Memastikan penilaian kerja dilakukan dengan obyektif berdasarkan produktivitas serta dipantau dan dievaluasi setiap periode

secara garis besar, penilaian kinerja dilakukan dua kali dalam satu tahun, yaitu pada tengah (Mid Year Review) dan tahun (End of Year Review). siklus pengelolaan kinerja terdiri dari tiga fase:

goal SettingPeriode : Februari

Period : February

Mid Year ReviewPeriode : JuliPeriod : July

Year End ReviewPeriode : Januari

Period : January

- Goal settingTujuan, atau goals, yang dicanangkan oleh karyawan dan atasan merupakan arahan dari atas ke bawah. akan tetapi, tujuan juga dapat berasal dari inisiasi karyawan kepada atasan. secara garis besar tujuan terdiri dari shared goals serta visi dan misi perusahaan

- Mid Year reviewDiskusi antara karyawan dan atasan mengenai pencapaian target yang telah ditetapkan. Pada periode ini target dapat disesuaikan dengan kebutuhan dan kondisi perusahaan.

- Year end reviewDiskusi antara karyawan dan atasan mengenai pencapaian target sampai akhir tahun dan juga penilaian atas kinerja karyawan

MnC Bank telah melakukan perbaikan berkaitan dengan evaluasi kinerja, yaitu:1. Cycle Period dan Framework yang lebih

terstruktur.2. Goals Setting dan tujuan yang lebih transparan.3. Penjabaran dari proses nilai yang lebih transparan.4. Dokumentasi atas hasil kerja dan pengembangan

individu yang lebih terorganisir.

pERFoRMANcE MANAgEMENTTo ensure that MnC Bank achieves its goals consistently through effective and efficient means, MNC Bank carries out Performance Management system that aims to:- ensure that the strategy and objectives of MnC

Bank’s and business groups/units/branches are aligned quantitative and qualitatively

- ensure that performance evaluation is an objective process based on productivity and is carried out every certain period

Broadly, performance evaluation is done twice in one year – one time in the middle (Mid Year review) and one time at the end of year (Year end review). Performance management cycle consists of three phases:

- Goal settingGoals identified by employees and their superiors are directed in a top-down manner. However, the goals may also be initiated by the employees. Goals comprise shared goals and MnC Bank’s vision and mission

- Mid-Year reviewPerformance discussion between an employee and his/her superior on target attainment progress. In this period, targets can be adjusted according to MnC Bank’s needs and condition.

- Year end reviewPerformance discussion between an employee and his/her superior on target attainment progress until end of year and on the employee’s performance.

MnC Bank has performed a number of improvements based on the result of performance evaluation, namely:1. structured cycle period and framework.

2. a more transparent goal and objective setting.3. Transparent value process elaboration.4. More organized documentation of work results

and individual development.

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Performance Management terbagi atas dua aspek penilaian, yaitu What To Do (80%), yang menerapkan parameter berupa Shared Goals (10%) dan Key Performance Indicators (90%); dan How To Do (20%), yang menerapkan parameter berupa nilai-nilai PrIDe.

KEBIJAKAN REMUNERASIkebijakan remunerasi MnC Bank mengacu pada prinsip:1. Pay for Performance—karyawan yang berkinerja

baik akan mendapatkan imbal balik remunerasi yang sesuai, begitu juga sebaliknya.

2. Pay Differentiation, perbedaan dalam pemberian kompensasi bagi Top Performers.

3. Total Compensation, terdiri dari gaji pokok, tunjangan dan insentif.

selain itu, MnC Bank juga senantiasa memastikan kepatuhannya pada peraturan perundang-undangan yang berlaku dalam memberikan remunerasi dan tunjangan kepada karyawan. Untuk memastikan MnC Bank menawarkan kompensasi yang kompetitif, MnC Bank melakukan survey terhadap perusahaan di industri sejenis.

Tabel pos biaya tenaga kerja meliputi:· Biaya Gaji· Biaya Jaminan sosial karyawan (BPJs)· Biaya Training· Biaya Tunjangan-Tunjangan· Biaya lembur· Biaya kesehatan· Biaya Manfaat karyawan

MANAJEMEN KARIER Pengelolaan karier di MnC Bank merupakan tindak lanjut dari Pengelolaan kinerja berdasarkan Individual Development Plan yang disusun setiap karyawan sebagai bagian dari perencanaan kariernya. Memperhatikan kualifikasi karyawan, kebutuhan baik karyawan maupun MnC Bank dan efektivitas dan efisiensi organisasi, MNC Bank menyediakan kesempatan pengembangan karier untuk karyawan. MnC Bank juga menjamin bahwa kesempatan yang setara diberikan kepada semua karyawan tanpa ada diskriminasi suku, agama, ataupun gender.

Performance Management consists of two aspects of assessment, namely What to Do (80%), which applies shared Goals (10%) and key Performance Indicators (90%) as the parameters; and How to Do (20%), which applies the PrIDe values as its parameters.

REMUNERATIoN poLIcYMnC Bank’s remuneration policy refers to the following principles:1. Pay for Performance – this principle rewards high-

performing employees and vice versa.

2. Pay Differentiation – Differentiation in compensation for top performers.

3. Total Compensation – remuneration structure consists of basic salary, benefits, and incentive.

In addition, MnC Bank also continually ensures its compliance with the laws and regulations related to remuneration and compensation for employees. seeking to make sure it offers competitive remuneration package, MnC Bank carries out benchmarking survey on peer companies in the industry.

staff cost in MnC Bank consists of:- salary- social security- Training costs- allowances- overtime- Health- Beneifits

cAREER MANAgEMENTCareer management in MnC Bank is a follow-up of Performance Management and is carried out based on the Individual Development Plan developed by every employee as part of their career path planning. Taking into account employee qualification, MNC Bank’s and employees’ needs, and the organization’s effectiveness and efficiency, MNC Bank offers career development opportunities for employees. MnC Bank also ensures that it applies this equally regardless of the employee’s ethnicity, faith, or gender.

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HUBUNgAN INDUSTRIAL MnC Bank menghormati kebebasan setiap karyawan untuk berserikat sesuai dengan peraturan yang berlaku. Tak hanya itu, MnC Bank juga menyadari kehadiran serikat Pekerja sebagai mitra strategis untuk menciptakan suasana kerja yang harmonis sehingga dapat meningkatkan produktivitas dan kesejahteraan karyawan.

serikat Pekerja MnC Bank didirikan pada tahun 2008. kemitraan antara MnC Bank dan serikat Pekerja selama ini telah memberikan kontribusi yang positif bagi perkembangan dan pertumbuhan usaha MnC Bank. MnC Bank dan serikat Pekerja juga memiliki Perjanjian kerja Bersama yang diperbarui secara teratur. saat ini, PkB yang mengatur dan hak dan kewajiban MnC Bank dan karyawan adalah PkB yang berlaku untuk periode 2015-2017.

pRoFIL KARYAwAN

Komposisi Jumlah Karyawan Berdasarkan Level organisasiselaras dengan pertumbuhan usaha dan berkembangnya kebutuhan Bank, MnC Bank menambah jumlah karyawan pada tahun 2016. rekrutmen dilaksanakan sesuai dengan strategi akuisisi sDM yang telah dicanangkan, yaitu menarik karyawan profesional dan berintegritas dari industri perbankan.

Tabel Komposisi Jumlah Karyawan Berdasarkan Level organisasiemployee by organization level

no. Level organisasi | level 2015 20161 komisaris | Commissioner 3 3

2 komite audit | audit Committee 2 2

3 komite Pemantau risiko | risk oversight Committee 2 2

4 Direksi | Director 4 5

5 Pejabat eksekutif | Executive Officer 44 41

6 Manager 203 231

7 Officer 242 286

8 staff 519 490

Jumlah | Total 1.019 1.060

INDUSTRIAL RELATIoNSMnC Bank respects the right of every employee to associate pursuant to applicable laws and regulations. Further, MnC Bank realizes the Trade Union is a strategic partner of MnC Bank in creating a harmonious work environment that boosts productivity and employee welfare.

established in 2008, the Trade Union in MnC Bank and their partnership has been generating positive contributions for MnC Bank’s business growth and development. MnC Bank and the Union are also parties to a Collective labor agreement that is updated from time to time. The current Cla that stipulates the rights and obligations of both parties is valid for the period of 2015-2017.

EMpLoYEE pRoFILE

Employee by organization Level

In line with MnC Bank’s growing business and needs, MnC Bank recruited new employees in 2016. recruitment was based on acquisition strategy, namely attracting professional employees with integrity from the banking industry.

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Komposisi Jumlah Karyawan Berdasarkan Tingkat pendidikanMayoritas karyawan memiliki jenjang pendidikan sarjana. Dari total 1.060 karyawan, 839 orang memiliki pendidikan sarjana.

Tabel Komposisi Jumlah Karyawan Berdasarkan Jenjang pendidikanemployee by education level

no. pendidikan | education 2015 20161 non Diploma 19 16

2 Diploma 221 205

3 Undergraduate 779 839

Jumlah | Total 1.019 1.060

Komposisi Jumlah Karyawan Berdasarkan Status Karyawan Total jumlah karyawan MnC Bank untuk tahun 2016 sebanyak 1.060 karyawan, dengan status 896 karyawan tetap dan 164 orang karyawan kontrak. Total karyawan mengalami kenaikan jika dibandingkan dengan tahun 2015, seperti terlihat pada tabel di bawah ini.

selain karyawan tetap dan kontrak, pada tahun 2016 jumlah tenaga pemborongan pekerjaan (Business Process Outsourcing) sebanyak 1.820 orang.

Tabel Komposisi Jumlah Karyawan Berdasarkan Status Kepegawaianemployee by employment status

YearJumlah Karyawan | number of employees

Karyawan TetapPermanent

Karyawan KontrakContract Total

2016 896 164 1.060

2015 920 99 1.019

Komposisi Karyawan Berdasarkan UsiaMayoritas karyawan MnC Bank berada pada usia dibawah 40 Tahun. karyawan yang berada pada kelompok usia di bawah 30 tahun berjumlah 297 orang, sedangkan karyawan pada kelompok usia 31 – 40 tahun berjumlah 459 orang. Jumlah karyawan pada kelompok usia 40 tahun ke bawah mencapai 756 orang atau sebesar 71%.

Employee by Education Level

The majorit of MnC Bank’s employees are holders of undergraduate degree. From 1,060 employees, 839 hold a bachelor’s degree.

Employee by Employment Status

From a total of 1,060 employees as of 2016, 896 employees are permanent employees and 164 are contract employees. as shown in the following table, the number of total employees increased from 2015 to 2016.

other than permanent and contract employees, there were also 1,820 workers under Business Process outsourcing model in 2016.

Employee by AgeThe majority of MnC Bank’s employees are individuals under 40 years old. There are 297 employees under 30 years old and 459 employees between 31 to 40 years old. In total, there are 756 employees under 40 years old, or 71% of the total staff size.

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Tabel Komposisi Jumlah Karyawan Berdasarkan Kelompok Usiaemployee by age Group

no. Kelompok Usia | age Group 2016 20151 <= 30 Tahun | years old 297 267

2 31 – 40 Tahun | years old 459 454

3 41 – 50 Tahun | years old 238 243

4 51 – 55 Tahun | years old 59 51

5 > 55 Tahun | years old 7 4

Jumlah | Total 1.060 1.019

Komposisi Karyawan Berdasarkan genderMnC Bank menerapkan kesetaraan gender dalam penerimaan karyawan maupun dalam pengelolaan sDM. Jumlah karyawan laki-laki dan perempuan relatif seimbang. Pada Tahun 2016 jumlah karyawan laki-laki 545 orang atau sebesar 51,4%, sedangkan jumlah karyawan perempuan 515 orang atau sebesar 48,6%.

Tabel Komposisi Jumlah Karyawan Berdasarkan Kelompok genderemployee by Gender

Jenis Kelamin | Gender 2016 % 2015 %laki-laki | Male 545 51,4 527 51,7

Perempuan | Female 515 48,6 492 48,3

Jumlah | Total 1.060 100,0 1.019 100,0

Komposisi Karyawan Berdasarkan Lokasi Unit KerjaJumlah karyawan yang berada di kantor Pusat dan Cabang relatif seimbang. Masih banyak pelayanan kepada nasabah yang dilaksanakan di Unit kerja kantor Pusat dan mayoritas Account Officer yang melayani nasabah consumer banking ditempatkan di kantor Pusat.

Tabel Komposisi Jumlah Karyawan Berdasarkan Lokasi Unit Kerjaemployee by Work Units

Lokasi Unit Kerja | Work Units 2016 % 2015 %kantor Pusat | Head Office 483 45.6 443 43.5

kantor Cabang | Branch Office 577 54.4 576 56.5

Jumlah | Total 1.060 100 1.019 100

Employee by genderMnC Bank applies gender equality in Hr recruitment and management and manages a relatively equal number of male and female employees. as of 2016, MnC Bank manages 545 male employees or 51.4% and 515 female employees, or 48.6% of the workforce.

Employee by work UnitsThe number of employees assigned in th Head Office and Branch Offices are relatively equal, as currently MNC Bank still serves customers at the Head Office level and most Account Officers for consumer banking segment are assigned in the Head Office.

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pLAN FoR 2017Going forward, MnC Bank has prepared a plan and strategies to ensure that it has sufficient quality and quantity of employees to realize every opportunity.

Jumlah Karyawan Berdasarkan Directorateemployee by Directorate

no. Direktorat | Directorate 2015 20161 Wholesale & sMe Banking 13 25

2 Consumer lending 120 166

3 Funding Business 581 581

4 special asset Management & recovery Business n/a 25

5 Commercial, Product & e-Channel n/a 8

6 Ceo 36 26

7 Compliance 49 12

8 Finance 37 37

9 Hr & Gs 21 36

10 operations & Technology 155 137

11 komisaris dan anggota komite | BoC and Committee Members

7 7

Jumlah | Total 1.019 1.060

Jumlah Karyawan Berdasarkan Years of Serviceemployee by Years of service

no. Tenure 2015 20161 < 1 83 131

2 1 – 5 432 407

3 6 – 10 296 316

4 11 – 15 146 137

5 16 – 20 23 32

6 >= 21 39 37

Total 1.019 1.060

RENcANA 2017Melangkah ke 2017, MnC Bank telah siap dengan sejumlah rencana untuk memastikan MnC Bank memiliki tenaga kerja berkualitas dan dalam jumlah yang memadai untuk merealisasikan setiap peluang.

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TEKNOLOGI INFoRMASIINFORMATION TECHNOLOGY

TI berperan penting dalam Transformasi Bank, menjadi MNc Bank yang baru, dengan mengimplementasikan inisiatif-inisiatif strategis guna mencapai semua tujuan usahanya.IT plays key role in transforming the old Bank to the new MNC Bank by implementing strategic initiatives to achieve its business goals.

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TEKNOLOGI INFORMASIInformation Technology

KEBIJAKAN kemajuan teknologi Internet, Mobile dan komunikasi telah merubah tatanan dunia Perbankan. Model Perbankan yang mengandalkan kehadiran fisik dari kantor-kantor cabangnya telah kedaluwarsa. nasabah tidak lagi mengunjungi kantor cabang untuk bertransaksi. kebiasaan nasabah telah berubah, mereka lebih memilih bertransaksi secara digital yang lebih praktis dan efisien. Ini berarti pengembangan bisnis perbankan, baik itu Perbankan konsumer atau ritel, tidak bisa lagi bergantung pada ekspansi jaringan kantor cabang konvensional. Hari ini Bank dituntut untuk meningkatkan jasa dan meningkatkan jangkauan pelayanannya dengan memanfaatkan kemajuan teknologi di bidang Internet, Mobile dan komunikasi.

MnC Bank menyadari bahwa TI mempunyai peranan strategis dalam transformasi Bank lama menjadi MnC Bank. TI menjadi kebutuhan dasar, pemberdaya untuk mencapai tujuan bisnis. akan sangat sukar untuk meningkatkan kinerja bisnis, memperkenalkan produk baru, memperbaiki proses efisiensi, memonitor dan mengendalikan risiko, tanpa mempunyai arsitektur TI yang tepat, andal, aman, dan berkapasitas cukup untuk memproses volume transaksi.

TI adalah sarana untuk MnC Bank untuk mengembangkan bisnisnya di segmen konsumer, ritel dan komersial. adalah kebijakan Bank untuk membangun dan menggunakan kanal digital berdampingan dengan kantor cabang konvensional untuk menyajikan layanan Bank dan melayani para nasabah. Didukung dengan kebijakan, proses, prosedur Manajemen risiko TI andal yang dijalankan oleh para TI staff yang professional.

Strategi TI Prioritas diberikan pada pembangunan kanal digital khususnya mengupgrade kemampuan mesin aTM yang dimiliki, meluncurkan aplikasi mobile banking, dan mengimplementasikan sistem Switching transaksi-transaksi produk MnC Bank. sistem Switching adalah tulang punggung yang menghubungkan berbagai kanal digital ke sistem Core Banking. karenanya, langkah pertama adalah memindahkan seluruh koneksi aTM ke kontroler yang terhubung ke sistem Switching, dengan mempertahankan koneksi ke aTM Bersama

poLIcYToday, the advancement in Internet, Mobile, and Communication technology has changed the banking landscape. Bank’s physical presence and its heavy reliance on brick-and-mortar model of branch offices have become outdated. Customers no longer go to branch office to do its banking transactions. Customer behavior has changed, they have shifted to the practical and efficient means of digital transactions. This means that development of Banking business, either in Consumer or retail Banking, no longer solely relies on expansion of conventional branch network. Banks today demanded to grow its services and to reach more people benefiting from advancement in Internet, Mobile, and Communication technology.

MnC Bank realizes that IT plays a strategic role in transforming the old Bank to the new MnC Bank. IT has become a fundamental necessity, an enabler to achieve business goals. It will be tough challenge to grow business performance, introduce new products, improve process efficiency, monitor and manage risks, without putting the right IT system architecture, which must be reliable, secure, and have capacity to handle transaction volume.

IT provides means for MnC Bank to grow its business particularly in Consumer, retail, and Commercial Business segments. It is MnC Bank’s policy to build and utilize digital channels that co-exist with conventional branch offices – to serve its customers and deliver Bank’s services. supported by solid IT risk Management policies, procedures, run by professional IT staff.

IT Strategy Priority is given to development of digital channels particularly upgrading capabilities of existing aTM, deploying mobile banking application, and implementing Transaction switching system. Transaction switching system is the backbone to link various electronic channels to core banking system. Hence, first step is to move ATM connections to controller connected to switching system while maintaining its connection to aTM Bersama network and upgrading its hardware to meet new regulatory requirements.

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dan mengupgrade perangkat kerasnya agar memenuhi persyaratan regulasi. Digital kanal kedua yang menjadi prioritas adalah pengembangan aplikasi mobile banking, diikuti dengan pengembangan aplikasi internet banking untuk bisnis.

Insiatif strategis lainnya adalah pengembangan sejumlah aplikasi mobile: punyakartu, punyacelengan, punyarumah dan punyabenefit. Seperti tercermin pada nama aplikasinya, aplikasi mobile banking tersebut ditujukan untuk meningkatkan jumlah dan volume transaksi kartu kredit, rekening tabungan dan kredit pemilikan rumah. aplikasi - aplikasi tersebut dijadwalkan untuk dipasarkan di tahun depan.

Pengembangan kanal digital tersebut diatas perlu didukung dengan kapasitas jalur komunikasi dan server yang cukup. karenanya sejumlah investasi dialokasikan untuk mengganti atau mengupgrade kapasitas dan kapabilitas dari peralatan jaringan, jaringan komunikasi dan server-server aplikasi.

Tantangan adopsi kemajuan TI, yang cepat dilakukan oleh para kompetitor dan perubahan pada kebiasaan nasabah, memaksa MnC Bank untuk mengevaluasi daya saingnya dan menyesuaikan kehadirannya di pasar. MnC Bank harus memutuskan Teknologi apa yang perlu diadopsi, memperkirakan potensi keuntungan dan bagaimana cara implementasinya. MnC Bank membutuhkan solusi jangka pendek dan menengah untuk membuat jasa, cabang dan kanal digitalnya lebih berdaya saing.

Untuk membuat MnC Bank lebih berdaya saing, banyak perubahan yang perlu dilakukan, tidak hanya strategi, produk/jasa, kebijakan, proses, prosedur, sistem, tetapi juga para karyawannya, termasuk karyawan TI. karyawan TI, tidak hanya, harus memiliki pengetahuan teknis perihal database, pemograman, manajemen proyek, tapi mereka juga harus mempunyai pemahaman mengenai keselarasan antara strategi bisnis dan TI, produk/jasa Bank, bisnis proses dan juga dalam hal mengelola perubahan itu sendiri.

The second digital channel priority is to deploy mobile banking application, followed by development of internet banking for business application.

another strategic development initiative is development of a set of mobile applications: punyakartu, punyacelengan, punyarumah, and punyabenefit. The application names implied intention of the mobile applications development, which are to increase total number and transaction volume of issued credit cards, saving accounts, and mortgage credit. These applications most likely will be launched in next year.

The above digital channels developments need to be supported with sufficient capacity of communication bandwith and servers. Hence, some amount of investments are allocated to replace or upgrade capacities and capabilities of network devices, communication links, and servers.

challengesrapid adoption of latest IT advancement by competitors and changes in customer behaviors forced MnC Bank to always evaluate its competitiveness and adjust its presence in the market. MnC Bank has to decide what technologies are to be adopted, estimate its potential benefits, and how it will be implemented. MNC Bank needs a short and medium term solutions to make its services, branches, and digital channels, become more competitive.

To make MnC Bank more competitive, MnC Bank must change many things, not only strategy, products/services, policies, processes, procedures, systems, but also people, including IT people. IT staff not only must have technical knowledge about database, programming, project management, but they also must have understanding about alignment between business and IT strategy, banking products, business processes, and also managing change itself.

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Implementasi TI 2016 Terlepas dari tantangan yang ada, komitmen dan kerja keras dari MnC Bank membuahkan pencapaian signifikan. Di tahun 2016 MNC Bank berhasil meluncurkan Mobile Banking, Internet Banking untuk Bisnis, menyelesaikan implementasi aTM Switching dan menyelesaikan upgrade banyak perangkat keras dan lunak. kami bangga untuk melaporkan bahwa semua aktifitas di atas ditangani langsung oleh Tim TI Bank tanpa bantuan konsultan eksternal.

Berikut adalah implementasi proyek di tahun 2016:1. skn Gen 2 Bulk Payment (Regular & Bill Payment)2. Mobile Banking Tahap 1 dengan fitur: Informasi

rekening, transfer ke rekening lain miliki nasabah, transfer ke rekening lain di MnC Bank dan transfer ke rekening bank lain (skn/rTGs)

3. Internet Banking4. New Middleware/Switching5. MaPs (loan originating system) untuk kPr dan

kartu kredit6. Pembayaran online untuk kartu kredit melalui

BCa7. kepatuhan pada nsICCs untuk koneksi ke artajasa

(aTM Bersama Shared Network) 8. Migrasi aTM terkait kepatuhan nsICCs 9. Optimalisasi Jaringan WAN dengan Pemulihan

Otomatis10. Upgrade Bandwith Komunikasi Data Cabang11. Upgrade Bandwith Komunikasi Data Center12. Upgrade Bandwith Data Komunikasi Disaster

Recovery Center

IT Implementation in 2016 aside from the challenges, the strong commitment and hard work from MNC Bank produced significant results. In 2016, MnC Bank successfully launched Mobile Banking, Internet Banking for Business customers, completed implementation of aTM switching, and completed to upgrade some hardware and software infrastructure. We are pleased to report that these important activities were fully handled by MnC Bank IT team without assistance from external consultants.

Following are implementation projects that took place in 2016:1. skn Gen 2 Bulk Payment (regular & Bill Payment)2. Mobile Banking Phase 1 with features: account

Information, Transfer own account, Transfer other account within MnC Bank and Transfer to other Bank (skn/rTGs)

3. Internet Banking4. new Middleware/switching5. MaPs (loan originating system) for Mortgage and

Credit Card6. online Credit Card Payment via BCa 7. nsICCs Compliance for artajasa (aTM Bersama

shared network) 8. nsICCs aTM Migration 9. Wide area network optimization with automatic

Fail over10. Branch Data Communication Bandwith Upgrade11. Data Center Communication Bandwith Upgrade12. Disaster recovery Center Data Communication

Bandwith Upgrade

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seluruh proyek tersebut diatas diawasi dan dikontrol mengikuti proses Manajemen risiko TI, khususnya manajemen risiko proyek, masalah, perubahan dan keamanan informasi. Manajemen rIsiko TI adalah unsur penting dalam implementasi dan operasi TI.

RENcANA 2017 Di tahun selanjutnya MnC Bank akan melanjutkan strateginya untuk mengembangkan bisnis di segmen Perbankan konsumer, ritel dan komersial dan meningkatkan kemampuan kanal digitalnya. karenanya MnC Bank berencana untuk mengimplementasikan proyek – proyek TI berikut:

1. Jaringan aTM Prima2. Prima Debit3. Mobile Banking Tahap 2 – online Transfer4. aplikasi Mobile untuk Pendanaan5. aplikasi Mobile untuk Pinjaman6. aplikasi Mobile untuk Implant Banking7. aplikasi Mobile untuk kartu kredit8. rekening Virtual 9. Mini eDC (aTM Bersama dan Prima)10. slIk11. kartu Debit Mastercard 12. kartu Corporate13. akuisisi kartu kredit 14. sistem skoring kartu15. aplikasi pendukung bisnis sebagai bagian dari

perbaikan proses dan otomasi, seperti Treasury one, Procurment one, risk one, Communication one

all the above projects are guided and controlled by IT risk Management process, especially risk management of projects, problems, changes and information security. IT risk Management is a crucial element in any IT implementations and operations.

pLAN FoR 2017In the following year MnC Bank will continue its strategy in growing its business in Consumer, retail, and Commercial Banking, and strengthen its digital channels’ capabilities. Hence, MnC Bank plans to implement the following IT projects:

1. Prima aTM shared network2. Prima Debit3. Mobile Banking Phase 2 - online Transfer4. Mobile applications for Funding5. Mobile applications for lending6. Mobile applications for Implant Banking7. Mobile applications for Credit Card8. Virtual account9. Mini eDC (aTM Bersama and Prima)10. slIk11. Mastercard Debit12. Corporate Card13. Credit Card acquiring14. Card scoring system15. Business support applications as part of business

process improvement and automation, such as Treasury one, Procurment one, risk one, Communication one

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16. Active Directory17. Data Center Consolidation for Servers, Network

and Security18. Data Center and Disaster Recovery Center Link

Redundancy19. Email Server Migration20. Branch Data Communication Bandwith Upgrade21. Data Center Communication Bandwith Upgrade22. Disaster Recovery Center Data Communication

Bandwith Upgrade

16. active Directory17. Data Center Consolidation for servers, network

and security18. Data Center and Disaster recovery Center link

redundancy19. email server Migration20. Branch Data Communication Bandwith Upgrade21. Data Center Communication Bandwith Upgrade22. Disaster recovery Center Data Communication

Bandwith Upgrade

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Prinsip-prinsip GCG yang meliputi transparansi, akuntabilitas, responsibilitas dan kesetaraan serta kewajaran merupakan dasar utama penerapan tata kelola MNC Bank. Principles of GCG, which includes transparency, accountability, responsibility and equity as well as fairness, are fundamental basis of governance implementation in MNC Bank.

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TATA KELoLApERUSAHAANCORPORATE GOVERNANCE REPORT

209 prinsip-prinsip Tata Kelola perusahaanCorporate Governance Principles

211 roadmap gCgGCG Roadmap

213 struktur Tata Kelola perusahaanCorporate Governance Structure

215 implementasi Tata Kelola perusahaanCorporate Governance Implementation

223 DireksiBoard of Directors

246 rapat umum pemegang sahamGeneral Meeting of Shareholders

266 Dewan KomisarisBoard of Commissioners

280 Komite auditAudit Committee

294 Komite nominasi & remunerasiNomination & Remuneration Committee

307 Fungsi KepatuhanCompliance Function

310 sekretaris perusahaanCorporate Secretary

313 unit audit internalInternal Audit Unit

319 sistem pengendalian internalInternal Control System

323 perkara pentingSignificant Events

324 sanksi administratifAdministractive Sanctions

324 Kode etikCode of Conduct

328 program anti pencucian uang (apu) dan pencegahan pendanaan Terorisme (ppT)Anti-Money Laundering (AML) and Counter Terrorism Financing (CTF) Program

331 Budaya perusahaanCorporate Culture

332 program Kepemilikan saham Karyawan dan/atau ManajemenEmployees/Management Shares Ownership Programs

332 pelaporan pelangganWhistleblowing System

336 pedoman Tata KelolaGovernance Guidelines

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Penerapan prinsip- prinsip tersebut secara konsisten oleh seluruh organ Perseroan merupakan kunci utama dalam membangun bisnis MNC Bank yang berkelanjutan dan telah memberikan hasil positif dalam mendukung kinerja MNC Bank sepanjang tahun 2016.The consistent implementation of these principles by all organs in MNC Bank has provided positive results to support MNC Bank performance throughout the year 2016 and is a key element in building a sustainable business.

TATA KELOLApERUSAHAANCorporate Governance Report

DASAR HUKUMlaporan Tata kelola Perusahaan ini disusun dengan mengacu pada:1. Undang-undang republik Indonesia no.10 tahun

1998 tentang perubahan atas Undang-undang no 7 tahun 1992 tentang Perbankan;

2. Undang-undang republik Indonesia no.40 tahun 2007 tentang Perseroan Terbatas (“UUPT”);

3. PoJk no.55/PoJk.03/2016 tanggal 7 Desember 2016 tentang Penerapan Tata kelola Bagi Bank Umum;

4. seoJk no.13/seoJk.03/2017 tanggal 17 Maret 2017 tentang Penerapan Tata kelola Bagi Bank Umum;

5. PoJk no.18/PoJk.03/2014 tanggal 18 november 2014 tentang Penerapan Tata kelola Terintegrasi bagi konglomerasi keuangan;

6. PoJk no.21/PoJk.04/2015 tanggal 16 november 2015 tentang Penerapan Pedoman Tata kelola Perusahaan Terbuka.

7. seoJk no.32/ seoJk.04/2015 tanggal 17 november 2015 tentang Pedoman Tata kelola Perusahaan Terbuka.

LEgAL REFERENcESThe Corporate Governance report refers to the following stipulations:1. law of the republic of Indonesia no.10 year 1998

concerning the amendment on law no.7 year 1992 on Banking;

2. law of the republic of Indonesia no.40 year 2007 on Limited Liability Company (“Company Law”);

3. PoJk no.55/ PoJk.03/2016 dated 7 December 2016 concerning the Implementation of Corporate Governance for Commercial Banks;

4. PoJk no.13/seoJk.03/2017 dated 17 March 2017 regarding the Implementation of Corporate Governance for Commercial Banks;

5. PoJk no.18/ PoJk.03/2014 dated 18 november 2014 on the Integrated Governance Implementation For Financial Conglomerate;

6. PoJk no.21/PoJk.04/2015 dated 16 november 2015 on the implementation Good Corporate Governance Guidance of Public Company.

7. seoJk no.32/ seoJk.04/2015 dated 17 november 2014 on the Good Corporate Governance Guidance of Public Company.

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TATA KELOLA PERuSAHAANCorporate Governance Report

selain ketentuan yang diharuskan dari berbagai aturan perundang-undangan di atas, MnC Bank juga mengacu pada pedoman-pedoman implementasi GCG sebagai berikut:1. Prinsip-prinsip Corporate Governance yang

dikembangkan oleh Organization for Economic Cooperation and Development (oeCD);

2. ASEAN Corporate Governance Scorecard; 3. Pedoman GCG Indonesia yang dikembangkan

oleh komite nasional kebijakan Governance (knkG);

4. Principles for Enhancing Corporate Governance yang diterbitkan oleh Basel Committee on Banking Supervision.

pRINSIp-pRINSIp TATA KELoLA pERUSAHAANPrinsip-prinsip GCG yang diimpelementasikan oleh MnC Bank mengacu kepada Pedoman Umum GCG yang baik yang ditetapkan oleh komite nasional kebijakan Governance (knkG). Penerapan prinsip-prinsip GCG akan menciptakan keseimbangan kepentingan antara pemegang saham, manajemen dan para pemangku kepentingan termasuk pemerintah.

Transparansisebagai perusahaan publik yang melayani masyarakat di bidang perbankan, MnC Bank menerapkan prinsip Transparansi untuk menjaga objektivitas usahanya serta membantu pemegang saham dan pemangku kepentingan lainnya dalam mengambil keputusan demi perkembangan usaha MnC Bank.

Seluruh informasi finansial maupun non finansial yang bersifat material tersedia secara lengkap dan mudah dipahami didalam laporan tahunan, laporan keuangan berkala serta dokumen investor terkait lainnya. selain itu, berbagai berita dan/atau isu terkini yang dianggap relevan dan material juga diungkapkan kepada masyarakat melalui siaran pers atau pelaporan keterbukaan informasi fakta material kepada otoritas Jasa keuangan yang juga diumumkan kepada publik melalui situs Bursa efek Indonesia.

MnC Bank juga memanfaatkan situs web resmi sebagai media alternative dalam menerapkan prinsip Transparansi. Melalui www.mncbank.co.id, pemegang saham, pemangku kepentingan dan masyrakat umum lainnya dapat mengakses seluruh informasi dan dokumen terkait MnC Bank yang diperbaharui secara berkala.

In addition to the required provisions of various laws and regulations aforementioned above, Bank Victoria also applies guidelines for the implementation of GCG as follows;1. Corporate Governance Principles developed by

the organization for economic Cooperation and Development (oeCD);

2. asean Corporate Governance scorecard;3. Indonesian GCG Guidelines developed by the

national Committee on Governance (knkG);

4. Principles for enhancing Corporate Governance issued by the Basel Committee on Banking supervision.

coRpoRATE goVERNANcE pRINcIpLES

GCG principles, which are implemented by MnC Bank, refer to the General Guidelines for Good Corporate Governance established by the national Committee on Governance (knkG). The implementation of corporate governance principles will create a balance of interests among shareholders, management and stakeholders, including the government.

Transparencyas a public company that serves public in banking, MnC Bank applies the principle of Transparency to ensure objectivity efforts as well as to help shareholders and other stakeholders to make decisions for MnC Bank business development.

All material financial and non financial information are available in a complete and easy to understand under the annual report, periodical Financial statements and other documents related to investor. In addition, news and / or current issues that are considered relevant and material are also disclosed to the public through the press release, or disclosure of material facts to the Financial services authority which is also announced to the public through the Indonesia stock exchange website.

MnC Bank also utilizes its website as an alternative media on the implementation the principle of Transparency. Through www.mncbank.co.id, shareholders, stakeholders and public is able to access all updated information and documents related to MnC Bank.

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TATA KELOLA PERuSAHAANCorporate Governance Report

1. Akuntabilitasaktivitas bisnis MnC Bank wajib dikelola secara benar, terukur dan sesuai dengan kepentingan perusahaan dengan tetap memperhitungkan kepentingan pemegang saham dan pemangku kepentingan lainnya. Dengan demikian akuntabilitas merupakan syarat utama dalam membangun usaha MnC Bank yang berkesinambungan dimana hasil kinerja MnC harus dapat dipertanggungjawabkan secara wajar dan transparan. Prinsip akuntabilitas juga didukung oleh adanya Unit audit Internal yang menjalankan fungsinya secara independen.

2. Tanggung JawabTanggung jawab diwujudkan dalam bentuk kepatuhan atas peraturan perundang-undangan yang berlaku termasuk didalamnya anggaran Dasar dan kebijakan internal MnC Bank. selain itu sesuai dengan UUPT, MnC Bank juga wajib melaksanakan tanggung jawab sosial dan lingkungan sebagai komitemen perusahaan dalam membangun dan meningkatkan kualitas kehidupan dan lingkungan yang bermanfaat bagi perusahaan dan masyarakat.

aktivitas Tanggung Jawab sosial (Csr) MnC Bank diungkapkan dalam laporan Tahunan dan laporan keberlanjutan MnC Bank.

3. Independensi Pelaksanaan GCG di MnC Bank dilaksanakan secara independen sehingga tidak ada dominasi atau preferensi tertentu dari organ perusahaan. MnC Bank dikelola secara professional berdasarkan kode etik sebagai pagar dalam mencegah terjadinya benturan kepentingan dan/atau penyalahgunaan kewenangan dalam pengambilan keputusan usaha.

4. Kewajaran MnC Bank selalu menjunjung tinggi kesetaraan antara pemegang saham dan pemangku kepentingan lainnya sehingga tidak ada perlakuan eksklusif terhadap pihak tertentu. Prinsip kewajaran dan kesetaraan didukung oleh Prinsip Transparansi yang menjamin bahwa informasi yang diterima oleh pemegang saham dan pemangku kepentingan adalah sama dan setara.

1. AccountabilityMnC Bank business activity must be properly managed, measurable and in accordance with the interests of the company while taking into account on the interests of shareholders and other stakeholders. Thus, accountability is the main requirement in developing a sustainable business in which MnC Bank performance results must be properly accountable and transparent. The principle of accountability is also supported by the Internal audit Unit shall exercise its functions independently.

2. Responsibilityresponsibilities embodied in the form of compliance with the prevailing legislation including the articles of association and MnC Bank’s internal policies. Moreover, according to the UUPT, MnC Bank has the obligation to implement social and environmental responsibility as a commitment in building and improving the quality of life and environment that is beneficial to the company and the community.

activities social responsibility (Csr) MnC Bank are disclosed in the annual report as well as sustainability report of MnC Bank.

3. IndependenceGCG implementation in MnC Bank is conducted independently hence no specific domination or preference of any company organ. MnC is managed professionally based on the Code of Conduct as a fence to prevent conflicts of interest and / or abuse of authority in decision-making efforts.

4. Fairness MnC Bank always upholds equality between shareholders and stakeholders so that there is no exclusive treatment against certain parties. Principles of Fairness and equality is supported by the principle of Transparency which guarantee that information received by shareholders and stakeholders are the same and equal.

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RoADMAp gcgDalam upaya meningkatkan kualitas penerapan GCG secara konsisten dan berkesinambungan, sejak tahun 2015 Bank MnC telah memiliki roadmap GCG, yang mencakup tahapan-tahapan yang telah dicapai dalam membangun nilai - nilai tata kelola berdasarkan ketentuan tentang Penerapan GCG bagi Bank Umum. Dalam tiga tahun terakhir MnC Bank telah melaksanakan beberapa inisiatif strategis dalam penyempurnaan pelaksanaan GCG sebagai berikut :

gcg RoADMApas effort to improve the quality of consistent and continuous GCG implementation, MnC Bank has established GCG roadmap since 2015, which includes the stages that has been achieved in building the values of governance based on the provisions of of GCG Implementation for Banks. In the last three years MnC Bank has implemented several strategic initiatives to improve the implementation of GCG, is as follow:

20151. sosialisasi GCG oleh Direksi dan Dewan komisaris

kepada seluruh karyawan untuk membangun kesadaran atas pentingnya penerapan GCG secara konsisten dengan berpedoman pada 5 prinsip GCG.

2. Melakukan pemenuhan struktur organisasi untuk mendukung pelaksanaan GCG.

3. optimalisasi peran dan fungsi komite dalam menunjang pelaksanaan tugas Dewan komisaris dan Direksi.

4. komitmen dari seluruh organ Perseroan untuk menjalankan GCG.

5. Penyempurnaan kebijakan Whistleblowing. 6. Menetapkan adanya fungsi oversight dalam proses

pemberian kredit dari satuan kerja Manajemen risiko, kepatuhan dan Hukum.

7. Penerapan check and balance yang memadai di seluruh lini organisasi

1. GCG socialization by the Board of Directors and the Board of Commissioners to all employees to build awareness on the importance of implementing GCG consistently, guided by the five principles of GCG.

2. Fulfilling the organizational structure to support the implementation of GCG.

3. optimizing the role and functions of the committees to support the implementation duties of the Board of Commissioners and Board of Directors.

4. The commitment of the entire Company organ to run GCG.

5. Improvement of Whistleblowing Committee6. establish their oversight functions in the credit

approval process of the risk Management Unit, Compliance and legal.

7. Implementation of proper check and balance in the entire organization

20161. komitmen dari seluruh manajemen dan karyawan

untuk pelaksanaan GCG secara konsisten dalam menunjang kinerja MnC Bank.

2. Meningkatkan kinerja MnC Bank, melindungi kepentingan pemangku kepentingan.

3. Meningkatkan fungsi kepatuhan dan manajemen risiko.

4. Pemenuhan struktur dan komposisi Dewan komisaris, Direksi dan pejabat eksekutif.

5. Pemenuhan dan penyesuaian kebijakan, sistem dan prosedur.

1. The commitment from the management and employees for implementing the consistent GCG in supporting the MnC Bank’s performance.

2. Improve the performance of the MnC Bank, to protect the interests of stakeholders.

3. Improving the compliance and risk management functions.

4. Fulfillment of the structure and composition of the Board of Commissioners, Directors and executive officers

5. Compliance and adjustment of policies, systems and procedures.

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1. Penerapan prinsip prinsip GCG secara konsisten.2. Pemenuhan struktur dan komposisi Dewan

komisaris, Direksi termasuk komite komite dan satuan kerja

3. Pembuatan dan pengkinian kebijakan, sistem & Prosedur operasional MnC Bank yang disusun sesuai ketentuan undang-undang yang berlaku.

4. Memastikan ketersediaan sistem informasi manajemen yang memadai sesuai kompleksitas usaha MnC Bank.

5. Mengelola kualitas aset dalam mendukung kinerja / rentabilitas Bank.

6. Menjaga kemauan dan komitmen dari seluruh jajaran organisasi untuk melaksanakan kebijakan, sistem dan Prosedur yang berlaku secara konsisten.

7. Memastikan ketepatan waktu dan akurasi data terkait transparansi kondisi keuangan MnC Bank

8. komitmen dalam pelaksanaan perlindungan konsumen dan penanganan pengaduan nasabah sesuai ketentuan yang berlaku.

9. Penyempurnaan kebijakan Manajemen risiko10. Penyempurnaan kebijakan komite kredit dan

Pembentukan komite Pengelolaan asset Bermasalah.

11. Penyempurnaan kebijakan dan pelaksanaan aPU dan PPT.

12. Mengoptimalkan pelaksanaan Combine assurance (second line of defense)

13. Fokus pada perkembangan Consumer Banking.14. Fokus pada peningkatan pelayanan kepada

nasabah melalui Digital Banking.15. Melakukan evaluasi dan pemenuhan kewajiban

sertifikasi manajemen risiko kepada pejabat MNC Bank.

1. Consistentl application of the principle of GCG.2. Compliance structure and composition of the

Board of Commissioners, Directors and committees including committee work unit.

3. Formation and updating of policies, openness and operational procedures of MnC Bank as prepared in accordance with applicable laws.

4. ensure the availability of adequate management information system in accordance complexity of the MnC Bank.

5. Manage the quality of assets in supporting the performance / profitability Bank.

6. keeping the willingness and commitment from all levels of the organization to implement the policies, systems and procedures that apply consistently.

7. ensuring the timeliness and accuracy of data related to the transparency of the financial condition of MnC Bank.

8. The commitment in the implementation of consumer protection and the handling of customer complaints in accordance with prevailing regulations.

9. Improvement on risk Management Policy.10. Completion of the Credit Policy Committee and

the establishment of the Committee Penegelolaan Troubled asset.

11. Improving the policy and implementation of aPU and PPT.

12. optimize the implementation Combine assurance (second line of defense).

13. Focus on the development of Consumer Banking.14. Focus on improving services to customers via

digital banking.15. evaluation and risk management compliance

certification obligations to MNC Bank officials.

2017

6. Mengoptimalkan peran dan fungsi komite dan satuan kerja dalam mendukung peningkatan kinerja MnC Bank.

7. Penerapan check and balance untuk memastikan seluruh proses kerja telah berpedoman pada ketentuan yang berlaku.

8. Penyempurnaan kebijakan, sistem & Prosedur kredit konsumer.

9. Menetapkan dan melaksanakan training GCG kepada seluruh karyawan.

6. optimize the role and functions of the committee and its business units in supporting the MnC Bank’s performance.

7. Implementation of checks and balances to ensure that the whole process of work has been guided by the provisions in force.

8. Completion of Policy and Consumer Credit system & Procedures.

9. establish and implement GCG training to all employees.

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STRuKTuR TATA KELOLApERUSAHAAN

Corporate Governance Structure

Berdasarkan UUPT dan PoJk no.32/PoJk.04/2014 tanggal 8 Desember 2014 tentang rencana dan Penyelenggaraan rapat Umum Pemegang saham, organ Perseroan terdiri dari rapat Umum Pemegang saham (rUPs), Dewan komisaris dan Direksi.

sistem kepengurusan menganut sistem dua badan (two tier system), yaitu Dewan komisaris dan Direksi, yang memiliki wewenang dan tanggung jawab yang jelas sesuai fungsinya masing-masing sebagaimana diamanahkan dalam anggaran Dasar dan peraturan perundang-undangan yang berlaku. namun demikian, keduanya mempunyai tanggung jawab untuk memelihara kesinambungan usaha MnC Bank dalam jangka panjang. oleh karena itu, Dewan komisaris dan Direksi harus memiliki kesamaan persepsi terhadap visi, misi dan nilai-nilai MnC Bank.

Guna memenuhi PoJk dan mendukung fungsi pengawasan yang efektif dan efisien, Dewan Komisaris di dukung oleh fungsi atau komite antara lain komite audit, komite nominasi dan remunerasi serta komite Pemantau risiko. komite-komite tersebut bekerja secara independen dan bertanggung jawab langsung kepada Dewan komisaris.

Direksi, bertanggung jawab atas pengelolaan MnC Bank. Direksi didukung oleh struktur manajemen yang efisien dan efektif. Direksi juga dibantu oleh Komite-komite dan fungsi yang bertanggung jawab kepada Direksi

Berikut Tabel struktur GCG MnC Bank.

RUpSaGMs

organ Utama | Main organ

Unit Independensi | Independency Unit

Dewan KomisarisBoard of Commissioners

DireksiBoard of Directors

Satuan Kerja Audit Internal (SKAI) | Internal audit

Manajemen Risikorisk Management

Asset & Liability committee (ALco)

Information & Technology Steering committee (ITSc)

change Management Office (CMO)

Risk Management committee (RMc)

credit committee (cc)

KepatuhanCompliance

Auditor IndependenIndependent auditor

Komite Auditaudit Committee

Komite pemantau Risikorisk oversight Committee

Komite Nominasi & Remunerasinomination & remuneration

Committee

Based on the Company law PoJk no.32/PoJk.04/2014 dated 8 December 2014, a Company’s organ consists of the General Meeting of shareholders (GMs), Board of Commissioners, and Board of Directors.

Management system applies two-tier system, namely the Board of Commissioners and Board of Directors, with clear authority and responsibility by their respective functions as mandated in the articles of association and prevailing laws and regulations. However, the two organs are responsible for maintaining the company’s long term business continuity. Therefore, the Board of Commissioners and Board of Directors must have the same perception of the company’s vision, mission, and values.

To comply with the PoJk and support the effective and effisient supervisory function, the Board of Commissioners is supported by functions or committees amongst others the audit Committee, the nomination and remuneration Committee and the risk oversight Committee. These committees work independently and responsible directly to the Board of Commissioners.

The Board of Directors, is responsible for the management of MnC Bank. The Board of Directors is supported by a management structure that is efficient and effective. Directors also assisted by committees and functions with direct responsibility to the Board of Directors.

The following is GCG structure of MnC Bank.

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STRuKTuR TATA KELOLA PERuSAHAANCorporate Governance Structure

Dalam menjalankan perannya, masing-masing organ dan fungsi dalam struktur GCG MnC Bank didukung oleh infrastruktur GCG yang kokoh dan dapat diandalkan. Infrastruktur ini merupakan pelengkap kebijakan internal sebagai pedoman aktivitas usaha berdasarkan budaya (Corporate Culture).

Infrastruktur GCG merupakan bentuk komitmen perusahaan dalam rangka meningkatkan disiplin dan tanggung jawab masing-masing organ dan fungsi pada perusahaan dalam rangka menjaga kepentingan pemangku kepentingan sesuai dengan tanggung jawab masing- masing.

Infrastruktur GCG MnC Bank yang telah dimiliki hingga 31 Desember 2016 adalah:

1. Piagam Tata kelola Perusahaan MnC Bank yang disahkan pada bulan Maret 2015 dan dikeluarkan serta berlaku pada tanggal 14 april 2015.

2. standar etik dan kebijakan pertentangan kepentingan MnC Bank yang dikeluarkan dan berlaku pada Bulan Maret 2015.

3. Pedoman dan Tata Tertib kerja Dewan komisaris yang telah disahkan melalui keputusan Dewan komisaris pada tanggal 15 Januari 2016.

4. Pedoman dan Tata Tertib kerja Direksi yang telah disahkan melalui keputusan Direksi pada tanggal 2 Desember 2009.

5. Piagam komite audit MnC Bank yang telah disahkan oleh Dewan komisaris pada tanggal 31 Maret 2015.

6. Piagam komite Pemantau risiko MnC Bank yang telah disahkan oleh Dewan komisaris pada tanggal 31 Maret 2015.

7. Piagam komite nominasi dan remunerasi MnC Bank yang telah disahkan oleh Dewan komisaris pada Mei 2015.

In performing its role, each organ and function under GCG structure of MNC Bank is supported by firm and realible GCG infrastructure. This infrastructure completes the internal policy as business activity guideline based on corporate culture.

GCG infrastructure is a form of company’s commitment to enhance discipline and responsibility of each company organ and function to to preserve the interests of stakeholders by their respective responsibilities.

GCG infrastructure of MnC Bank as per December 31, 2016 are:

1. MnC Bank Corporate Governance Charter endorsed in March 2015, issued and valid since april 14, 2015.

2. Standards of conduct and conflict of interest policies of MnC Bank issued and valid in March 2015.

3. Work Guidelines and rules of the Board of Commissioners endorsed by the decision of the Board of Commissioners on January 15, 2016.

4. Work Guidelines and rules of the Board of Directors endorsed by the decision of the Board of Directors on December 2, 2009.

5. The audit Committee Charter of MnC Bank endorsed by the decision of the Board of Commissioners on March 31, 2015.

6. The risk oversight Committee Charter of MnC Bank endorsed by the decision of the Board of Commissioners on March 31, 2015.

7. nomination and remuneration Committee Charter of MnC Bank endorsed by the decision of the Board of Commissioners on May 2015.

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IMPLEMENTASI TATA KELOLApERUSAHAAN DI 2016

Corporate Governance Implementation in 2016

pENILAIAN SENDIRI IMpLEMENTASI gcg 2016Berdasarkan penilaian pelaksanaan GCG terhadap aspek Governance Structure, Governance Process, Governance Outcome pada 11 (sebelas) Faktor Penilaian GCG sebagaimana yang tertuang dalam kertas kerja Penilaian sendiri (Self Assessment) GCG, maka dapat disimpulkan sebagai berikut:

sampai dengan semester II 2016 masih terdapat beberapa jabatan kosong dalam struktur organisasi MC Bank, untuk posisi 2 tingkat di bawah Direksi. kesulitan yang dihadapi untuk proses rekrutmen ini lebih pada ketersediaan tenaga kerja pada bidang tertentu di pasar. namun MnC Bank terus berupaya untuk pemenuhan sDM pada posisi tersebut secara bertahap.

lebih lanjut, sepanjang tahun 2016 yang berjalan, MnC Bank terus berupaya meningkatkan GCG yang baik dalam setiap kegiatan usaha dan kesadaran akan pentingnya pelaksanaan GCG dari seluruh jajaran organisasi yang ada. langkah-langkah perbaikan juga terus dilakukan oleh manajemen antara lain melalui penyesuaian kuantitas dan peningkatan kualitas sDM yang ada, penerapan kebijakan dan prosedur yang konsisten untuk mendukung peningkatan kualitas dan peningkatan budaya kepatuhan, risk awareness serta penerapan budaya kerja yang sesuai dengan visi dan misi Bank.

RENcANA gcg TAHUN 2017Pada tahun 2017, Direktorat kepatuhan yang terdiri dari legal Group dan Compliance Group akan fokus pada peningkatan kompetensi dan kinerja tim guna mendukung perkembangan bisnis Bank, khususnya dalam koridor GCG.

Untuk mencapai tujuan di atas, rencana kerja 2017 legal Group dan Compliance Group akan meliputi budaya kerja, pengembangan sDM dan meningkatkan budaya kepatuhan.

1. Budaya Kerjaselama kuartal IV/2016, legal Group dan Compliance Group telah mengkaji hal-hal di bawah ini dan akan melakukan penyesuaian dan penyempurnaan atas:

SELF ASSESSMENT gcg IMpLEMENTATIoN 2016Based on the assessment of GCG implementation on the aspect of Governance structure, Governance Process, Governance outcome on 11 (eleven) GCG assessment Factors as stated on the GCG self assessment, the following is summarized:

Up to semester II 2016, several positions remain vacant in MNC Bank organizational structure, specifically for 2 levels under the Board of Directors. The difficulty in this recruitment process was more on the availability of manpower in certain fields in the market. MNC Bank however strives to meet this Hr requirement gradually.

Furthermore, throughout 2016, MnC Bank strives to improve of GCG in every business activity and the awareness of GCG implementation from all existing organization elements. Management has carried out continuous improvement among them were the adjustment of existing Hr quantities and qualities, consistent implementation of policies and procedures to support compliance culture, risk awareness as well as work culture implementation in accordance with MnC Bank’s vision and mission.

gcg pLANS IN 2017In 2017, the Compliance Directorate that consists of legal Group and Compliance Group will focus on team competency and performance improvement in order to support Bank’s business development, specifically in the corridor of GCG.

To achieve the above ojectives, the 2017 work plans of legal Group and Compliance Group will include work culture, Hr development, and compliance culture enhancement.

1. work cultureDuring Q4/2016, legal Group and Compliance Group have had reviewed the following matters, and will carry out adjustment and refinement on:

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IMPLEMENTASI TATA KELOLA PERuSAHAANCorporate Governance Implementation

a. struktur organisasi, termasuk tugas dan tanggung jawab;

b. Job description;c. Penetapan sasaran kinerja (goal setting);d. Penilaian kinerja;e. kebijakan dan prosedur di bawah Direktorat

kepatuhan;f. Meningkatkan proses kerja agar lebih efektif

dan efisien.

2. pengembangan Sumber Daya Manusia (SDM)Pada awal tahun, bersamaan dengan pengajuan goal setting untuk masing-masing grup, pengembangan sDM akan dilakukan sebagai berikut:a. Pelatihan untuk tim legal Group dan

Compliance Group berdasarkan skala prioritas, antara lain dengan mempertimbangkan permasalahan yang sering dihadapi MnC Bank, pengembangan di bidang teknologi (aplikasi dan digitalisasi) dan pelatihan kepemimpinan;

b. Pelatihan untuk internal MnC Bank terkait masalah hukum dan kepatuhan, termasuk sosialisasi peraturan yang berlaku dan aPU-PPT;

c. Meningkatkan efektifitas pelatihan baik yang diterima maupun yang diberikan, antara lain dengan menyempurnakan bahan pelatihan dan memberikan test untuk pelatihan yang diberikan;

d. Meningkatkan komunikasi dan koordinasi yang efektif dan efisien antara tim di Direktorat kepatuhan serta dengan unit kerja lainnya;

e. Meningkatkan keterlibatan Group Head atas pengembangan tim-nya;

f. Meningkatkan kebersamaan guna mencapai rencana kerja grup, antara lain dengan sharing session yang dilakukan 1 kali/bulan;

g. Mendapatkan sertifikasi kepatuhan untuk tim Compliance Group dan sertifikasi manajemen risiko sesuai tingkatannya bagi tim di Direktorat kepatuhan.

pENILAIAN SENDIRI IMpLEMENTASI gcg 2016MnC Bank secara periodik melakukan penilaian sendiri terhadap pelaksanaan GCG, yang mencerminkan Pelaksanaan GCG yang ada di MnC Bank.

a. organizational structure, including duties and responsibilities;

b. Job description;c. Goal setting;d. Performance assessment;e. Policies and procedures under the

Compliance Directorate;f. Improving a more effective and efficient

work process.

2. Human Resources Developmentat the beginning of the year, Hr development was carried out in conjunction with the goal setting proposal of each group, as follows:

a. Trainings for legal Group and Compliance Group team based on priorities scale, among others by taking into consideration issues oftenly faced by MnC Bank, technology development (applications and digitalizations) and leadership training;

b. Bank’s internal trainings in relation with legal and compliance, including applicable regulatory and aMl-CFT dissemination;

c. Improving effectiveness of trainings both the provision and the participation, among them by the refinement of training materials and provision of tests for every training;

d. Improving effective and efficient communication and coordination between team in the Compliance Directorate as well as other working units;

e. Improving the involvement of Group Head on its team development;

f. Improving togetherness in order to achieve Group work plans, among them are sharing session carried out once a month;

g. Attaining compliance certificate for the Compliance Group team and risk management certificate in accordance with team levels of Compliance Directorate.

SELF ASSESSMENT gcg IMpLEMENTATIoN 2016MnC Bank periodically performs a self assesment on GCG implementation, reflecting the GCG implementation at the MnC Bank.

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IMPLEMENTASI TATA KELOLA PERuSAHAANCorporate Governance Implementation

Penilaian sendiri adalah bagian dari mekanisme check and balances sistematik untuk menghimpun dan mengolah data (fakta dan informasi) yang dapat dipercaya dan akurat sehingga dapat disimpulkan gambaran untuk dapat digunakan sebagai landasan tindakan manajemen agar pelaksanaan GCG dapat dilakukan secara efektif.

Pencapaian hasil penilaian sendiri digunakan sebagai referensi untuk menentukan tindakan lanjut dalam rangka memperbaiki pelaksanaan tata kelola.

aspek Penilaian sendiri meliputi governance structure, governance process dan governance outcome.

Berpedoman pada ketentuan PoJk no.55/PoJk.03/2016 tentang Penerapan Tata kelola Bagi Bank Umum, seoJk no.13/seoJk.03/2017 tentang Penerapan Tata kelola bagi Bank Umum dan seoJk no.14/seoJk.03/2017 tanggal 17 Maret 2017 tentang Penilaian Tingkat kesehatan Bank Umum 2017, Bank wajib melakukan penilaian sendiri (self assessment) atas pelaksanaan GCG. Berkaitan dengan hal tersebut, MnC Bank telah melakukan self assessment GCG, dengan hasil untuk periode 2016 yang disajikan pada tabel berikut:

LApoRAN pENILAIAN SENDIRI pELAKSANAAN gooD coRpoRATE goVERNANcE (gcg)

2016 2015Nilai komposit | Composit Index 3 3

Hasil penilaian Sendiri pelaksanaan gcg | GCG self assessement scores

peringkatrank

Definisi Peringkat | Rank Definition

Individual 3 Manajemen MnC Bank telah melakukan penerapan GCG yang secara umum cukup baik. Hal ini tercermin dari pemenuhan yang cukup memadai atas prinsip-prinsip GCG. apabila terdapat kelemahan dalam penerapan prinsip GCG, maka secara umum kelemahan tersebut cukup signifikan dan memerlukan perhatian yang cukup dari manajemen Bank MnC.The management of MnC Bank implemented GCG, which is generally quite good. This is reflected in the adequate fulfillment of the principles of corporate governance. If there are weaknesses in the application of the principles of GCG, then generally it is quite significant weaknesses and requires considerable attention from management MnC Bank.

self assessment as part of check and balance mechanisms is a systematic measure to collect and process reliable and valid data (facts and information) so that facts can be concluded and used as the basis the Management’s actions to ensure that GCG implementation is effectively conducted.

The outcomes from self assessment can be use as reference for further governance.

The aspects of self assessment include governance structure, governance process, and governance outcomes.

Based on PoJk no.55/PoJk.03/2016 regarding the Implementation of Governance for Commercial Banks, seoJk no.13/seoJk.03/2017 dated 29 april 2013 regarding the implementation of Good Corporate Governance for Commercial Banks, and seoJk no.14/seoJk.03/2017 on the assessment of soundness level of Commercial Banks, MnC Bank shall conduct its own assessment (self-assessment) on the implementation of GCG. In this regard, MnC Bank has perform a GCG self assessment, with results for the period 2016 are as follows:

SELF ASSESSMENT REpoRT gooD coRpoRATE goVERNANcE IMpLEMENTATIoN

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IMPLEMENTASI TATA KELOLA PERuSAHAANCorporate Governance Implementation

pENERApAN TATA KELoLA pERUSAHAAN TERBUKAMnC Bank juga menggunakan dasar Pedoman GCG yang dikeluarkan oleh oJk di tahun 2015 yang tertuang dalam seoJk no.32/seoJk.04/2015 tanggal 17 november 2015 tentang Pedoman Tata kelola Perusahaan Terbuka sebagai standar penerapan GCG, yaitu meliputi 5 (lima) aspek yang diturunkan ke dalam 8 (delapan) prinsip dan 25 (dua puluh lima) rekomendasi. aspek-aspek dan prisip-prinsip tersebut adalah sebagai berikut:

Aspek 1. Hubungan perusahaan Terbuka dengan pemegang Saham dalam Menjamin Hak-hak pemegang Saham.

Yang meliputi prinsip-prinsip sebagai berikut:1. Meningkatkan nilai Penyelenggaraan rUPs.2. Meningkatkan kualitas komunikasi Perusahaan

Terbuka dengan Pemegang saham atau Investor.

Aspek 2.Fungsi dan peran Dewan Komisaris.Yang meliputi prinsip-prinsip sebagai berikut:1. Memperkuat keanggotaan dan komposisi Dewan

komisaris2. Meningkatkan kualitas Pelaksanaan Tugas dan

Tanggung Jawab Dewan komisaris.

Aspek 3.Fungsi dan peran Direksi.Yang meliputi prinsip-prinsip sebagai berikut:1. Memperkuat keanggotaan dan komposisi Direksi.

2. Meningkatkan kualitas Pelaksanaan Tugas dan Tanggung Jawab Direksi.

Aspek 4.partisipasi pemangku Kepentingan.Yang meliputi prinsip: Meningkatkan aspek GCG melalui Partisipasi Pemangku kepentingan.

Aspek 5. Keterbukaan Informasi.Yang meliputi prinsip: Meningkatkan Pelaksanaan keterbukaan Informasi

goVERNANcE IMpLEMENTATIoN oF pUBLIc coMpANIESMnC Bank also applies the Corporate Governance Guidelines published by the GCG in 2015 as stated in the Circular letter of oJk no.32/seoJk.04/2015 dated 17 november 2015 regarding Governance Guidelines of Public Companies as the standard of GCG implementation, which includes 5 (five) aspects that are cascaded into 8 (eight) principles and 25 recommendations. The aspects and principles are as follows:

Aspect 1.Relations of public companies with the Shareholders in guaranteeing the Shareholders Rights.Which includes the following principles:1. Improving Values of the Covention of the GsM.2. Improving Communication Quality of Public

Companies with the shareholders or Investors.

Aspect 2.The Board of commissioners Functions and Roles.Which includes the following principles:1. strengthening the Board of Commissioners’

Membership and Composition2. Improving the quality of Implemention of Duties and

responsibilities of the Board of Commissioners

Aspect 3.The Board of commissioners Functions and Roles.Which includes the following principles:1. strengthening the Board of Directors’ Membership

and Composition2. Improving the quality of Implemention of Duties and

responsibilities of the Board of Directors

Aspect 4.Stakeholders’ participation.Which includes the principle of: Improving the GG aspect through stakeholders’ Participation.

Aspect 5.Information Disclosures.Which includes the principle of: Improving the implementation of Information Disclosures.

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IMPLEMENTASI TATA KELOLA PERuSAHAANCorporate Governance Implementation

IMpLEMENTASI pENERApAN TATA KELoLA TERINTEgRASI

pemegang Saham pengendali

Controllling shareholders

Dewan KomisarisEntitas Utama

Main entity Board of Commissioners

Direksi Entitas UtamaMain entity Board of

Directors

Satuan Kerja Kepatuhan Terintegrasi

Integrated Compliance Unit

Satuan Kerja Audit Internal Terintegrasi

Integrated Internal audit Unit

Satuan Kerja Manajemen Risiko Terintegrasi

Integrated risk Management Unit

Komite Tata Kelola TerintegrasiIntegrated Governance Committee

Komite Manajemen RisikoTerintegrasi

Integrated risk Management Committee

Struktur Tata Kelola Terintegrasi | Integrated Governance structure

MnC Bank juga termasuk dalam konglomerasi keuangan PT MnC kapital Indonesia Tbk sebagai entitas Utama menerapkan Tata kelola Terintegrasi secara komprehensif dan efektif, yang mencakup antara lain:a. Persyaratan Direksi entitas Utama dan Dewan

komisaris entitas Utama;b. Tugas dan tanggung jawab Direksi entitas Utama

dan Dewan komisaris entitas Utama;c. Tugas dan tanggung jawab komite Tata kelola

Terintegrasi;d. Tugas dan tanggung jawab satuan kerja kepatuhan

terintegrasi;e. Tugas dan tanggung jawab satuan kerja audit intern

terintegrasi;f. Penerapan manajemen risiko terintegrasi; dan

g. Penyusunan dan pelaksanaan Pedoman Tata kelola Terintegrasi.

Pada 18 november 2014, oJk telah menerbitkan PoJk no.18/PoJk.03/2014 tentang Penerapan Tata kelola Terintegrasi Bagi konglomerasi keuangan, serta telah mengeluarkan seoJk no.15/seoJk.03/2015 pada tanggal 25 Mei 2015.

latar belakang diterbitkannya peraturan mengenai Penerapan Tata kelola Terintegrasi Bagi konglomerasi keuangan diantaranya adalah untuk:

IMpLEMENTATIoN oF INTEgRATED goVERNANcE

MnC Bank also included in the Financial Conglomeration of PT MnC kapital Indonesia Tbk as the Main entity. MnC Bank implements a comprehensive and effective Integrated Governance, which includes:a. requirement of the Main entity’s Board of Directors

and Board of Commissioners;b. Duties and responsibilities of the Main entity’s Board

of Directors and Board of Commissioners;c. Duties and responsibilities of the Integrated

Governance Committee;d. Duties and responsibilities of the integrated

compliance unit;e. Duties and responsibilities of the integrated internal

audit unit;f. Implementation of the integrated risk management;

andg. Formulation and implementation of the integrated

governance guidelines.

on 18 november 2014, oJk has issued PoJk no.18/PoJk.03/2014 regarding the Implementation of Integrated Governance for Financial Conglomeration, and has issued seoJk no.15/seoJk.03/2015 on 25 May 2015.

The background of the issuance on the Implementation of Integrated Governance for the Financial Conglomeration are as follows:

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IMPLEMENTASI TATA KELOLA PERuSAHAANCorporate Governance Implementation

1. Menciptakan sektor jasa keuangan yang tumbuh berkelanjutan, stabil dan berdaya saing tinggi;

2. adanya hubungan kepemilikan dan/atau pengendalian antar lembaga Jasa keuangan yang meningkatkan kompleksitas transaksi dan interaksi; serta

3. Meningkatkan kualitas tata kelola yang baik dalam konglomerasi keuangan.

Tata kelola terintegrasi adalah suatu tata kelola yang menerapkan prinsip-pinsip keterbukaan, akuntabilitas, pertanggungjawaban, independensi atau profesional dan kewajaran secara terintegrasi dalam konglomerasi keuangan. adapun yang dimaksud dengan konglomerasi keuangan adalah lembaga Jasa keuangan yang berada dalam satu grup atau kelompok karena keterkaitan kepemilikan dan/atau pengendalian.

Mengacu pada PoJk no.18/PoJk.02/2014, suatu konglomerasi keuangan wajib menerapkan Tata kelola Terintegrasi secara komprehensif dan efektif serta memiliki struktur yang terdiri dari entitas Utama dan Perusahaan anak dan/atau Perusahaan Terelasi beserta perusahaan anaknya. konglomerasi keuangan yang dimaksud meliputi jenis lembaga Jasa keuangan seperti; Bank, Perusahaan asuransi dan reasuransi, Perusahan efek dan/atau Perusahaan Pembiayaan.

Berdasarkan surat Pemegang saham Pengendali kepada oJk no.025/MnC-kI/DIr/III/2015 tanggal 27 Maret 2015, MnC Bank telah ditunjuk sebagai entitas Utama dalam konglomerasi keuangan PT MnC kapital Indonesia Tbk sebagaimana telah dicatat berdasarkan surat oJk tertanggal s-44/PB.33/2015 tanggal 13 april 2015. Mengacu pada Pasal 7 PoJk no.18/PoJk.02/2014, maka MnC Bank selaku entitas Utama diwajibkan untuk menerapkan Tata kelola Terintegrasi. Beberapa hal yang telah dilakukan oleh MnC Bank terkait PoJk no.18/PoJk.02/2014 tersebut adalah sebagai berikut.

1. Satuan Kerja Terintegrasientitas Utama wajib memiliki satuan kerja Manajemen risiko Terintegrasi, satuan kerja kepatuhan Terintegrasi dan satuan kerja audit Internal Terintegrasi yang bertugas memantau dan mengevaluasi pelaksanaan tata kelola terintegrasi dalam konglomerasi keuangan PT MnC kapital Indonesia Tbk.

1. Creating a sustainable, stable, and highly competitive financial services sector;

2. The existence of relations between ownership and/or controlling inter Financial service Institutions that improves the transaction and interaction complexity; and

3. Improving good governance quality in financial conglomeration.

Integrated governance is the governance that implements the principles of transparency, accountability, responsibility, independency or professional and fairness in an integrated way within the Financial Conglomeration. The Financial Conglomeration is the Financial services Institutions within one group through the relations between ownership and/or controlling.

referring to PoJk no.18/PoJk.02/2014, the Financial Conglomeration shall implement comprehensive and effective Integrated Governance as well as to establish a structure that consists of Main entity and subsidiary and/or related Companies and its subsidiaries. The said Financial Conglomeration includes the Financial services Institutions, such as; Banks, Insurance and reinsurance Companies, securities Companies and/or Financing Companies.

Pursuant to Controlling shareholders letter to the oJk no.025/MnC-kI/DIr/III/2015 dated 27 March 2015, as Main entity in the Financial Conglomeration of PT MnC kapital Indonesia Tbk as has been documented pursuant to the letter of oJk s-44/PB.33/2015 dated 13 april 2015.k refers to article 7 PoJk no.18/PoJk.02/2014, thus MnC Bank as the Main entity shall implement the Integrated Governance. The following are several matters that has been carried out by MnC Bank in relation with the PoJk no.18/PoJk.02/2014:

1. Integrated UnitsMain entity shall establish the Integrated risk Management Unit, Integrated Compliance Unit, and Integrated Internal audit Unit tasked to monitor and evaluate the implementation of integrated governance in the Financial Conglomeration of PT MnC kapital Indonesia Tbk.

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IMPLEMENTASI TATA KELOLA PERuSAHAANCorporate Governance Implementation

sehubungan dengan pengaturan tersebut dan dikarenakan entitas Utama telah memiliki satuan kerja-satuan kerja sebagaimana disebutkan di atas, maka pelaksanaan tugas terintegrasi dapat dilakukan oleh satuan kerja Manajemen risiko, satuan kerja kepatuhan dan satuan kerja audit Internal yang telah ada pada entitas Utama.

2. penyusunan pedoman Tata Kelola Terintegrasi Konglomerasi Keuangan pT MNc Kapital Indonesia TbkUntuk mendorong tercapainya pertumbuhan konglomerasi keuangan yang sehat dan berkesinambungan serta mengoptimalkan nilai perusahaan, maka entitas Utama telah menyusun Pedoman Tata kelola Terintegrasi yang dikeluarkan dan berlaku pada bulan november 2015, yang mencakup:a. kerangka Tata kelola Terintegrasi bagi entitas

Utama; danb. kerangka Tata kelola bagi lJk dalam

konglomerasi keuangan.

3. pembentukan Komite Tata Kelola Terintegrasi

Berdasarkan surat keputusan Direksi MnC Bank selaku entitas Utama no.skeP-007/BaBP/DIr/12-15 tentang komite Tata kelola Terintegrasi konglomerasi keuangan PT MnC kapital Indonesia Tbk tanggal 15 Desember 2015, Direksi entitas Utama telah menetapkan susunan keanggotaan komite Tata kelola Terintegrasi konglomerasi keuangan PT MnC kapital Indonesia Tbk, sebagai berikut:

Jabatan dalam KomitePosition in the Committee

Namaname

perusahaanCompanies

ketua (merangkap anggota)Chairman (and Member)

eko B. supriyanto PT Bank MnC Internasional Tbk

anggota (merangkap sekretaris)Chairman (and secretary)

Dwi sasongko Pihak Independen di komite entitas UtamaIndependent Party in the Main entity’s Committee

anggota | Member alex Tangyong PT MnC Finance

anggota | Member Hendra Michael roy sembel PT MnC life assurance

anggota | Member Drs. Christ soepontjo PT MnC securities

anggota | Member Prof. Dr. Hj. Uswatun khasanah PT MnC FinancePT MnC asset Management (anggota DPs)

Pursuant to the regulations and since the Main entity has already in place the units as specified above, thus the implementation of integrated duties can be carried out by the Main entity’s risk Management Unit, Compliance Unit and Internal audit Unit.

2. Formulation of Integrated governance guidelines of Financial conglomeration of pT MNc Kapital Indonesia TbkTo promote sound and sustainable financial conglomeration growth as well as to optimize corporate values, the Main entity has developed the Integrated Governance Guidelines which has been issued on november 2015, covering:

a. Framework of Integrated Governance for Main entity; and

b. Framework of Governance for financial service agencies within the Financial Conglomeration.

3. Establishment of Integrated governance committeePursuant to the Board of Directors’ Decree of MnC Bank as the Main entity no.skeP-007/BaBP/DIr/12-15 regarding the Integrated Governance Committee of Financial Conglomeration of PT MnC kapital Indonesia Tbk dated 15 December 2015, the Board of Directors of Main entity has stipulated the structure of the Integrated Governance Committee of Financial Conglomeration of PT MnC kapital Indonesia Tbk, as follows:

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IMPLEMENTASI TATA KELOLA PERuSAHAANCorporate Governance Implementation

4. penyusunan Laporan Tata Kelola Terintegrasisesuai dengan PoJk no.18/PoJk.03/2014, entitas Utama wajib menyampaikan laporan terintegrasi, yaitu:a. laporan Penilaian Pelaksanaan Tata kelola

Terintegrasi, yang disusun setiap semester. laporan Penilaian Pelaksanaan Tata kelola

Terintegrasi konglomerasi keuangan PT MnC kapital Indonesia Tbk pertama kali dilakukan untuk posisi laporan Desember 2015.

b. laporan Tahunan Pelaksanaan Tata kelola Terintegrasi.

LApoRAN pENILAIAN SENDIRI pELAKSANAAN TATA KELoLA TERINTEgRASI KoNgLoMERASI KEUANgAN pT MNc KApITAL INDoNESIA TBK

2016 2015Nilai komposit | Composit Index 2 2

Hasil penilaian Sendiri pelaksanaan Tata Kelola Terintegrasi | Integrated Governance self assessment scores

peringkatrank

Definisi Peringkat | Rank Definition

2 konglomerasi keuangan dinilai telah melakukan penerapan Tata kelola Terintegrasi yang secara umum baik.Hal ini tercermin dari pemenuhan yang memadai atas penerapan prinsip Tata kelola Terintegrasi. apabila terdapat kelemahan dalam penerapan Tata kelola Terintegrasi, secara umum kelemahan tersebut kurang signifikan dan dapat diselesaikan dengan tindakan normal oleh entitas Utama dan/atau lJk.

The Financial Conglomeration has implemented Integrated Governance, which is generally good. This is reflected in the adequate fulfillment of the principles of integrated governance. If there are weaknesses in the application of the Integrated Governance, then generally it is quite significant weaknesses and requires normal action from the Main Entity and/or Financial service Institutions.

4. Report Formulation of Integrated governancePursuant to PoJk no.18/PoJk.03/2014, the Main entity shall present the integrated reports, which include:

a. Integrated Governance Implementation assessment report developed every semester.The first Integrated Governance Implementation assessment report of Financial Conglomeration of PT MnC kapital Indonesia Tbk was issued for the position of December 2015 report.

b. annual report of Integrated Governance Implementation

SELF-ASSESSMENT REpoRT IMpLEMENTATIoN oF INTEgRATED goVERNANcE oF FINANcIAL coNgLoMERATIoN oF pT MNc KApITAL INDoNESIA TBK

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pERNYATAAN KEpEMILIKAN pEDoMAN ATAU pIAgAM DIREKSI

Pedoman dan Tata Tertib kerja Direksi MnC Bank disahkan oleh Direksi pada tanggal 1 Desember 2009 sebagai acuan bagi Direksi dalam menjalankan tugasnya untuk mencapai tujuan berdasarkan visi dan misi perusahaaan.

Pedoman dan Tata Tertib kerja Direksi berisi tentang petunjuk pelaksanaan kerja serta menjelaskan tahapan aktivitas Direksi MnC Bank secara terstruktur, sistematis dan mudah dipahami serta dijalankan.

Direksi wajib mengikuti dan tunduk pada landasan hukum yang menjadi dasar penyusunan Pedoman Tata Tertib kerja Direksi ini serta menjalankan standar etika yang tinggi dalam melaksanakan tugas dan tanggung jawabnya.

STATEMENT oN owNERSHIp oF cHARTER oR gUIDELINE oF THE BoARD oF DIREcToRS The Working Guidelines and rules for The Board of Directors of MnC Bank was enacted by the Board of Directors on 1 December 2009 as reference for the Board of Directors in performing their duties to achieve the objective based on company’s vision and mission.

The Working Guidelines and rules of the Board of Directors consist of rules and elaborate on activities of the Board of Directors of MnC Bank in a structured, systematic and easy to understand as well as implemented. The Board of Directors is obliged to comply with legal basis of The Working Guidelines and rules and to perform a high ethical standards in carrying out their duties and responsibilities.

DIREKSIBoard of Directors

Sesuai dengan undang-undang Republik Indonesia no.40 tahun 2007 tentang Perseroan Terbatas, Peraturan Otoritas Jasa Keuangan no.33/POJK.04/2014 dan Anggaran Dasar, Direksi berwenang dan bertanggung jawab penuh atas pengurusan untuk kepentingan MNC Bank sesuai dengan maksud dan tujuan serta mewakili MNC Bank, baik di dalam maupun di luar pengadilan sesuai dengan ketentuan anggaran dasar.In accordance with Law of the Republic of Indonesia Number 40 of 2007 on Limited Liability Companies, the Financial Services Regulation no.33/POJK.04/2014 and Articles of Association, the Board of Directors is is fully authorized and fully responsible for all matters for the benefit of MNC Bank in line with the objective as well as purpose of MNC Bank and to represent MNC Bank both inside and outside the court in accordance with the provisions in the Articles of Association.

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DIREKSIBoard of Directors

penunjukkan, Kriteria & Komposisianggota Direksi diangkat dan diberhentikan oleh rUPs berdasarkan usulan Dewan komisaris dengan memperhatikan rekomendasi dari komite nominasi dan remunerasi.

Kriteria Direksisesuai dengan anggaran Dasar MnC Bank, kriteria anggota Direksi adalah orang perseorangan yang memenuhi persyaratan berikut pada saat diangkat dan selama menjabat:1. Mempunyai akhlak, moral dan integritas yang baik;2. Cakap melakukan perbuatan hukum;3. Dalam 5 (lima) tahun sebelum pengangkatan dan

selama menjabat:a. Tidak pernah dinyatakan pailit;b. Tidak pernah menjadi anggota Direksi

dan/atau anggota Dewan komisaris yang dinyatakan bersalah dan menyebabkan suatu perusahaan dinyatakan pailit;

c. Tidak pernah dihukum karena tindakan pidana yang merugikan keuangan negara dan/atau yang berkaitan dengan sektor keuangan; dan

d. Tidak pernah menjadi anggota Direksi dan/atau anggota Dewan komisaris yang selama menjabat- Pernah tidak mengadakan rUPs tahunan;- Pertanggungjawabannya sebagai anggota

Direksi dan/atau anggota Dk pernah tidak diterima oleh rUPs atau pernah tidak memberikan pertanggungjawaban sebagai anggota Direksi dan/atau anggota Dewan komisaris kepada rUPs; dan

- Pernah menyebabkan perusahaan yang memiliki izin, persetujuan, atau pendaftaran dari oJk tidak memenuhi kewajiban untuk memberikan laporan tahunan dan/atau laporan keuangan kepada oJk.

4. Mempunyai komitmen untuk mematuhi peraturan perundang-undangan;

5. Memiliki pengetahuan dan/atau keahlian di bidang yang dibutuhkan Perusahaan.

Appointment, criteria and compositionMember of the Board of Directors is appointed and dismissed by the GsM based on proposal from the Board of Commissioners by taking into account on recommendation from the nomination and remuneration Committee.

Board of Directors criteriaIn accordance with the articles of association of MnC Bank, the criteria to be the member of tThe Board of Directors is any individual who meets the requirements upon appointment and during his tenure:1. Has a good character, morals, and integrity;2. Proficient doing legal actions;3. Within five (5) years prior to appointment and

during his tenure:a. not been declared bankrupt;b. never become a member of BoD and/or BoC

who were found guilty and causing a company to go bankrupt;

c. never been convicted of criminal acts that harm the country’s financial and / or relating to the financial sector; and

d. never become a member of BoD and/or members of BoC during his tenure:- not hold annual General Meeting;- responsibility as a member of the Board

of Directors and /or members of the BoC have not been accepted by the aGM or never give a responsibility as a member of the Board of Directors and /or members of BoC to the aGM; and

- ever caused a company that has a permit, approval, or registration from the oJk does not fulfill the obligation to provide annual reports and/or financial reports to OJK.

4. Have a commitment to comply with laws and regulations; and

5. Have knowledge and /or expertise in the field needed by the Company.

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DIREKSIBoard of Directors

penilaian Kemampuan dan Kepatutan Direksi sebagai pengurus Bank diharuskan memenuhi persyaratan integritas, kompetensi dan reputasi keuangan serta memperoleh predikat lulus dalam penilaian kemampuan dan kepatutan yang diselenggarakan oleh oJk sebagaimana tercantum dalam PoJk no.27/PoJk.03/2016 tentang Penilaian kemampuan dan kepatutan Bagi Pihak Utama lembaga Jasa keuangan (Fit and Proper Test).

seluruh anggota Direksi MnC Bank telah lulus fit and proper tanpa catatan dan telah mendapat persetujuan dari Bank Indonesia, yang mengindikasikan bahwa setiap anggota Direksi memiliki integritas, kompetensi dan reputasi keuangan yang memadai.

Tabel penilaian Kemampuan dan Kepatutan DireksiTable of Fit and Proper Test for the Board of Directors

Namaname

JabatanPosition

pelaksana pemeriksaanevaluator

Tanggal Efektif pengangkatan

effective Date of assignment

Benny Purnomo Presiden Direktur President Director

otoritas Jasa keuanganFinancial services authority

9 Juni | June 2014

Benny Helman Direktur keuanganFinance Director

otoritas Jasa keuanganFinancial services authority

9 Juni | June 2014

Nerfita Primasari Direktur sDM & General servicesHr & General services Director

otoritas Jasa keuanganFinancial services authority

24 Juli | July 2014

Widiatama Bunarto Direktur operational & Teknologioperations & Technology Director

otoritas Jasa keuanganFinancial services authority

6 oktober | october 2014

Chisca Mirawati Direktur kepatuhanCompliance Director

otoritas Jasa keuanganFinancial services authority

27 Juni | June 2016

Fit and proper EvaluationThe Board of Directors as the management of MnC Bank shall meet the requirements of integrity, competence and financial reputation, as well as shall pass a fit and proper test and obtain the approval of oJk as stated in the PoJk no.27/PoJk.03/2016 regarding the assessment of Fit and Proper Test For Main Parties of the Financial services Institutions.

all members of The Board of Directors of MnC Bank have passed the fit and proper test and further obtained the approval from Bank Indonesia which indicates that each member of the Board of Directors has sufficient financial integrity, competence, and reputation.

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Komposisi Jumlah anggota Direksi MnC Bank telah sesuai dengan peraturan dan hukum yang berlaku.

komposisi anggota Direksi MnC Bank per 31 Desember 2016 adalah berdasarkan keputusan rUPs tanggal 3 Mei 2016 adalah sebagai berikut:

Namaname

posisiTitle

DomisiliDomicile

Dasar pengangkatanappointment Basis

Benny Purnomo Presiden DirekturPresident Director

Indonesia rUPs luar Biasa tanggal 12 november 2014extraordinary GMs dated 12 november 2014

Benny Helman DirekturDirector

Indonesia rUPs Tahunan tanggal 21 april 2014annual GMs dated 21 april 2014

Nerfita Primasari DirekturDirector

Indonesia rUPs Tahunan tanggal 21 april 2014annual GMs dated 21 april 2014

Widiatama Bunarto DirekturDirector

Indonesia rUPs luar Biasa tanggal 12 november 2014extraordinary GMs dated 12 november 2014

Chisca Mirawati Direktur kepatuhanCompliance Director

Indonesia rUPs Tahunan 3 Mei 2016annual GMs dated 3 May 2016

Hubungan Afiliasi DirekturDireksi senantiasa bertindak independen, dalam arti tidak mempunyai benturan kepentingan yang dapat mengganggu kemampuannya untuk melaksanakan tugas secara mandiri dan kritis, baik dalam hubungan satu sama lain maupun hubungan terhadap Dewan komisaris.

Direksi tidak memiliki hubungan keuangan, hubungan kepengurusan, kepemilikan saham dan/atau hubungan keluarga dengan anggota Dewan komisaris lainnya, Direksi dan/atau Pemegang saham Pengendali atau hubungan dengan Bank, sehingga, dapat melaksanakan tugas dan tanggung jawabnya secara independen.

compositionTotal of members of the Board of Directors of MnC Bank is in accordance with prevailing laws and regulations.

Composition of the Board of Directors of MnC Bank as per December 31, 2016 is based on the decision of the GMs dated 3 May 2016 as follows:

Affiliate Relationship of The Board of DirectorsThe Board of Directors always act independently, meaning they don’t have any conflict of interest that could interfere with their ability to perform their duties independently and critically, both in relation to each other and the relationship of the Board of Commissioners.

The Board of Directors do not have a financial relationship, management relationship, share ownership and/or family relationship with members of the Board of Commissioners, Board of Directors and/or Controlling shareholders or relationship with MnC Bank, so they can carry out their duties and responsibilities independently.

DIREKSIBoard of Directors

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Hubungan Afiliasi DireksiBoard of Directors Affiliations

DireksiBoard of Directors

Hubungan Keuangan DenganFinancial relations With

Hubungan Keluarga DenganFamilial relations With

Dewan KomisarisBoard of

Commissioners

DireksiBoard of Directors

pemegang Saham

pengendaliControllling

shareholders

Dewan KomisarisBoard of

Commissioners

DireksiBoard of Directors

pemegang Saham

pengendaliControllling

shareholders

YaYes

Tidakno

YaYes

Tidakno

YaYes

Tidakno

YaYes

Tidakno

YaYes

Tidakno

YaYes

Tidakno

Benny Purnomo

Benny Helman

Nerfita Primasari

Widiatama Bunarto

Chisca Mirawati

Kepemilikan Saham DireksiPer tanggal 31 Desember 2016, masing-masing anggota Direksi tidak memiliki saham dengan kepemilikan yang mencapai 5% (lima persen) dari modal disetor MnC Bank, bank lain, lembaga keuangan bukan bank dan perusahaan lainnya yang berkedudukan di dalam maupun luar negeri. Berikut adalah tabel kepemilikan saham anggota Direksi:

Kepemilikan Saham DireksiBoard of Directors’ shares ownership

Namaname

Kepemilikan Saham (dalam lembar) | share ownership (in shares)

MNc Bank Bank Lainother Banks

Lembaga Keuangan Non Banknon Bank Financial Institutions

perusahaan Lainother Companies

Benny Purnomo nihil | nil nihil | nil nihil | nil nihil | nil

Benny Helman nihil | nil nihil | nil nihil | nil nihil | nil

Nerfita Primasari nihil | nil nihil | nil nihil | nil nihil | nil

Widiatama Bunarto nihil | nil nihil | nil nihil | nil nihil | nil

Chisca Mirawati nihil | nil nihil | nil nihil | nil nihil | nil

Rangkap Jabatan dan Benturan Kepentingan Direksiseluruh Direksi MnC Bank tidak memiliki rangkap jabatan sebagai komisaris, Direksi atau Pejabat eksekutif pada bank, perusahaan dan atau lembaga lain.

Board of Directors Shares ownershipas of 31 December 2016, each member of the Board of Directors did not owned any sahres with 5% (five per hundred) ownership from the paid-in capital of MnC Bank, other banks, non-bank financial institutions and other companies domiciled in the country or overseas. The following table illustrated the Board of Directors shares ownership:

Multiple Board Membership and Conflict of Interestall members of the Board of Directors do not hold multiple board membership as the Board of Commissioner, the Board of Directors or executive Officers of banks, company and/or other institutions.

DIREKSIBoard of Directors

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Direksi tidak memangku jabatan rangkap sebagai Direktur Utama atau Direktur lainnya pada Badan Usaha Milik negara, Daerah dan swasta atau jabatan lain yang berhubungan dengan pengelolaan MnC Bank, maupun jabatan struktural dan jabatan fungsional lainnya pada instansi/lembaga pemerintah pusat dan pemerintah daerah, serta jabatan lainnya sesuai dengan ketentuan anggaran Dasar MnC Bank dan peraturan perundang-undangan lainnya yang berlaku.

pengelolaan Benturan Kepentingan1. Direksi untuk melakukan perbuatan hukum

berupa transaksi yang memuat benturan kepentingan ekonomis pribadi anggota Direksi, Dewan komisaris atau pemegang saham Utama, dengan kepentingan ekonomis Perseroan, wajib memperoleh persetujuan rUPs dari pemegang saham yang tidak mempunyai benturan kepentingan.

2. seorang anggota Direksi yang secara pribadi dengan cara apapun, baik secara langsung maupun secara tidak langsung, mempunyai kepentingan dalam suatu transaksi atau kontrak yang diusulkan, dalam mana MnC Bank menjadi salah satu pihaknya, harus menyatakan sifat kepentingannya dalam rapat Direksi dan dia tidak berhak untuk ikut dalam pengambilan suara mengenai hal yang berhubungan dengan transaksi atau kontrak tersebut, kecuali jika rapat Direksi menentukan lain.

3. anggota Direksi tidak berwenang mewakili MnC bank apabila:a. Terjadi perkara di pengadilan antara

MnC Bank dengan anggota Direksi yang bersangkutan; atau

b. anggota Direksi yang bersangkutan mempunyai benturan kepentingan dengan MnC Bank.

Masa Jabatananggota Direksi diangkat oleh rUPs untuk masa jabatan 1 (satu) periode yaitu selama 5 (lima) tahun terhitung sejak ditutupnya rUPs yang mengangkat anggota Direksi tersebut sampai ditutupnya rUPs tahunan yang ke 5 (lima) setelah tanggal pengangkatan mereka.

The Board of Directors do not hold another position as the President Director or other Directors on the state-owned, regional and Private enterprises or another position relatingto the management of a Company, as well as structural position and other functional position in any central and local governments institutions/agencies, as well as other positions in accordance with the Company’s articles of association and other legislation in force.

Conflict Of Interest Management1. For the Board of Directors to take legal actions in

the form of a transaction that includes a conflict of personal economic interest from members of the Board of Directors, the Board of Commissioners or Main shareholders with economic interest of the Company, it must be approved by the GMs who do not have any conflict of interest.

2. a member of the Board of Directors that personally, whether directly or indirectly, has an interest in a transaction or proposed contract, in which the Company is one of the party, must declare the nature of their interest in the Board of Directors Meeting and he is not entitled to participate in voting on the matters relating to the transaction or the contract, unless the meeting of the Board of Directors decides otherwise.

3. Member of the Board of Directors is not authorized to represent the Company if:a. occurred a litigation between the Company

and the relevant members of the Board of Directors; or

b. related member of the Board of Directors have conflict of interest with the Company.

Terms of OfficeMembers of the Board of Directors appointed by the GMS for a term of 1 (one) period, which is 5 (five) years as of the closing of the GMs that appoint members of the Board of Directors until the closing of the 5 (five) GMs after the date of their appointment.

DIREKSIBoard of Directors

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Tugas dan Tanggung Jawab Direksi1. Menjalankan kepengurusan MnC Bank dengan

itikad baik dan penuh tanggung jawab untuk kepentingan sesuai dengan maksud dan tujuan perseroan serta mewakili MnC Bank baik di dalam maupun di luar pengadilan sesuai anggaran Dasar dan peraturan perundang undangan yang berlaku;

2. setiap anggota Direksi bertanggung jawab penuh secara pribadi atas kerugian MnC Bank apabila yang bersangkutan terbukti bersalah atau lalai menjalankan tugasnya dengan itikad baik dan penuh tanggung jawab sebagaimana diatur dalam pasal 97 UUPT;

3. Menjaga kelangsungan usaha MnC Bank, mengimplementasikan visi, misi, strategi, sasaran usaha serta rencana jangka panjang dan jangka pendek, memelihara kesehatan MnC Bank sesuai dengan prinsip kehati-hatian, memastikan terlaksananya pengendalian internal dan manajemen risiko, memastikan terlindunginya kepentingan stakeholders secara wajar dan terpenuhinya prinsip prinsip Tata kelola dalam pengambilan keputusan dan pengurusan MnC Bank;

4. Menetapkan suatu sistem pengawasan internal yang efektif untuk tercapainya kepastian atas informasi keuangan, efektivitas dan efisiensi proses pengelolaan MnC Bank dan kepatuhan pada peraturan perundang undangan yang berlaku dengan tujuan mengamankan investasi dan asset MnC Bank;

5. Menindaklanjuti temuan audit dan rekomendasi Internal audit Group, auditor eksternal, hasil pengawasan Bank Indonesia dan atau hasil pengawasan otoritas lainnya;

6. Melakukan pengawasan aktif atas penerapan manajemen risiko yang melekat pada seluruh aktivitas MnC Bank, yang mencakup:· Menyusun kebijakan dan strategi manajemen

risiko dan eksposure risiko;· Bertanggung jawab atas pelaksanaan

manajemen risiko dan eksposure risiko;· Mengevaluasi dan memutuskan transaksi yang

memerlukan persetujuan Direksi;· Mengembangkan budaya paham risiko pada

seluruh jenjang organisasi;

Duties and Responsibilities of Board of Directors1. Managing the management of MnC Bank in good

faith and full responsibility for the interests inline with the purpose and objectives of MnC Bank and represent MnC Bank both in and out of court in accordance with the article of association and prevailing regulations;

2. each member of the Board of Directors are fully responsible in personal for the loss of MnC Bank if the respective person is proven guilt or neglect his duties in good faith and responsibility as regulated under article 97 of the Company law;

3. Maintain the sustainability of MnC Bank, to implement the vision, mission, strategy, business targets as well as both longterm and short-term plans, maintaining the health of MnC Bank in accordance with the precautionary principle, ensuring the implementation of internal control and risk management, ensuring protection of the interests of stakeholders fairly and in fulfillment of the principles of good corporate governance in decision-making and management of MnC Bank;

4. establish an effective system of internal control to achieve certainty of financial information, the effectiveness and efficiency of bank management processes and compliance with prevailing laws and regulations with the aim of securing investments and assets of MnC Bank;

5. Follow up on audit findings and recommendations from the Internal audit Group, external auditors, monitoring report from Bank Indonesia and other authorities;

6. actively supervise the implementation of risk management inherent in all the MnC Bank’s activities, which include:· Develop policies and strategies for risk

management and risk exposure;· responsible for the implementation of risk

management and risk exposure; · evaluate and decide transactions that require

the approval from the Board of Directors;· Develop a risk awareness culture at all levels

within the organization;

DIREKSIBoard of Directors

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· Memastikan peningkatan kompetensi sDM yang terkait dengan manajemen risiko;

· Memastikan fungsi manajemen risiko telah beroperasi secara independen.

7. Menyusun rencana kerja dan anggaran Tahunan (rkaT) setiap awal tahun sesuai peraturan perundang-undangan dan ditandatangani oleh semua anggota Direksi dan Dewan komisaris;

8. Menyusun laporan keuangan tahunan sesuai peraturan perundang-undangan yang ditandatangani oleh semua anggota Direksi dan Dewan komisaris untuk diajukan dan mendapat pengesahan dalam rapat Umum Pemegang saham Tahunan;

9. Menyelenggarakan rUPs Tahunan paling lambat 6 (enam) bulan setelah tahun buku berakhir dan rapat Umum Pemegang saham luar Biasa berdasarkan kebutuhan untuk kepentingan MnC Bank;

10. Dalam menjalankan tugasnya Direksi dibantu oleh komite-komite eksekutif yaitu : komite Manajemen risiko, komite alCo, komite Pengarah Teknologi Informasi, Change Management Office dan komite Manajemen risiko Terintegrasi

11. Direksi juga melakukan kunjungan kerja ke cabang-cabang guna memberi dukungan atas pencapaian rencana kerja MnC Bank, yang antara lain dalam bentuk bertemu dengan prospek nasabah di cabang-cabang. selain itu, Direksi juga melakukan internalisasi/sosialisasi atas penerapan prinsip-prinsip tata kelola perusahaan dan nilai – nilai utama budaya kerja (core values) kepada jajaran karyawan.

secara khusus tugas dan tanggung jawab Direksi adalah sebagai berikut:1. Mewakili MnC Bank baik di dalam maupun di luar

pengadilan terkait segala hal dan kejadian yang mengikat MnC Bank dengan pihak lain dan pihak lain dengan MnC Bank, dengan pembatasan sebagai berikut:

· ensuring development of competence with regards to human resources associated with risk management;

· ensure that the risk management functions has independently operated.

7. Develop annual Work Plan and Budget (rkaT) on the beginning of each year according to the regulations and signed by all members of the Board of Directors and the Board of Commissioners;

8. Develop the annual Financial statements in accordance with prevailing regulations and signed by all members of the Board of Directors and Board of Commissioners to be proposed and approved by the annual General Meeting of shareholders;

9. organizes the annual GMs not later than 6 (six) months after the end of the fiscal year and the extraordinary General Meeting of shareholders based on needs and interest of MnC Bank;

10. In performing its duties the Board of Directors is assisted by the executive committees, namely: risk Management Committee, alMa Committee, steering Committee Information Technology, Change Managemen Office and

11. Directors also made a working visit to the branches in order to provide support to the MnC Bank business plan, among others in the form of meeting with prospective clients in the branches. In addition, the Board of Directors also internalize/socialization of the application of the principles of corporate governance and the main cultural values of work (core values) to the employees.

In particular, the duties and responsibilities of the Board of Directors are as follows:1. To represent MnC Bank within and outside the

Court on all matters and in any event, bind the Company with the other party and the other party to the Company, and perform all with the following restriction:

DIREKSIBoard of Directors

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1. Untuk melakukan tindakan tersebut dibawah ini disyaratkan persetujuan dari Dewan komisaris, yakni:a. Untuk meminjamkan uang atau

memberikan fasilitas kredit atau fasilitas perbankan lainnya yang menyerupai atau mengakibatkan timbulnya hak penagihan pinjaman uang kepada pihak terkait/terafiliasi sesuai ketentuan yang ditetapkan oleh Bank Indonesia.

b. Untuk membeli atau dengan cara lain memperoleh/mendapatkan barang tidak bergerak (termasuk hak atas tanah dan/atau bangunan) dan/atau perusahaan.

c. Untuk menjual atau dengan cara lain memindahkan hak atas barang tidak bergerak (termasuk hak atas tanah dan/atau bangunan) dan/atau perusahaan.

d. Untuk membebani hak tanggungan, menggadaikan atau dengan cara lain menjaminkan/mengagunkan kekayaan milik MnC Bank.

e. Mendirikan perusahaan baru, melakukan penyertaan modal atau penambahan penyertaan modal, termasuk menyetujui keputusan tentang dividen saham (stock dividen) yang menyebabkan penambahan penyertaan modal atau melepaskan penyertaan modal atau pengurangan penyertaan modal dalam perusahaan lain sesuai dengan peraturan perundang-undangan.

2. Untuk melakukan tindakan tersebut di bawah ini Direksi wajib berpedoman pada ketentuan dan batas yang dari waktu ke waktu ditetapkan oleh Dewan komisaris, yakni:a. Untuk meminjamkan uang atau

memberikan fasilitas kredit atu fasilitas perbankan lainnya yang menyerupai atau mengakibatkan timbulnya hak penagihan pinjaman uang kepada pihak lain, baik bank, lembaga keuangan non bank perorangan atau pihak lainnya baik di dalam maupun di luar negeri.

b. Untuk mengeluarkan surat jaminan bank atau dengan cara lain menjadi penjamin atau avalist untuk menjamin pembayaran hutang atau kewajiban keuangan pihak lain.

1. To perform the following actions, the Board of Directors required the approval of the Board of Commissioners, namely:a. To lend money or provide credit facilities

or other banking facilities that resembles or result in the emergence of a loan collection rights to the related/affiliated party in accordance with the provisions stipulated by Bank Indonesia.

b. To purchase or otherwise acquire/obtain immovable goods (including rights to land and/ or buildings) and/or company.

c. To sell or otherwise transfer rights over immovable goods (including rights to land and/ or buildings) and/or company.

d. Burden the deed of encumber, pledge or otherwise guaranteed/collateralized the Company’s assets.

e. established a new company, invested capital or made additional capital investment, including approving the decision on stock dividend which led to an increase in capital or releasing or reduce equity participation in other companies in accordance with the legislation.

2. To perform the following actions, the Board of Directors shall be guided by the provisions and limitation from time to time determined by the Board of Commissioners, namely:a. To lend money or provide credit facilities

or other banking facilities that resemble or lead to the emergence of money loan collection rights to other parties, whether banks, non-bank financial institutions, individuals or other parties both inside and outside the country.

b. To issue a bank guarantee or by other means became a guarantor or avalist to guarantee repayment of loan or financial liabilities to other party.

DIREKSIBoard of Directors

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c. Menghapus bukukan/mengeluarkan piutang MnC Bank dari pembukuan dan melepaskan hak Perseroan untuk menagih piutang macet yang telah dihapuskan bukukan.

3. Direksi wajib meminta persetujuan rUPs untuk mengalihkan, melepaskan hak, atau menjadikan jaminan hutang kekayaan Perseroan yang merupakan lebih dari 50% (50 per seratus) jumlah kekayaan bersih Perseroan sesuai ketentuan Pasal 102 UUPT dan peraturan perundang-undangan di bidang pasar modal.

4. Presiden Direktur bersama-sama dengan seorang Direktur; atau 2 orang Direktur secara bersama-sama; berhak dan berwenang bertindak untuk dan atau nama Direksi serta mewakili MnC Bank.

5. Pembagian tugas dan wewenang di antara anggota Direksi ditetapkan oleh rUPs. Dalam hal rUPs tidak menetapkan, pembagian tugas dan wewenang tersebut ditetapkan berdasarkan keputusan Direksi.

6. Untuk melakukan perbuatan hukum berupa transaksi yang memuat benturan kepentingan ekonomis pribadi anggota Direksi, Dewan komisaris atau Pemegang saham Utama, dengan kepentingan ekonomis MnC Bank, Direksi memerlukan persetujuan rUPs dan pemegang saham yang tidak mempunyai benturan kepentingan sebagaimana dimaksud dalam Pasal 12 ayat 8 huruf a, b, c dan anggaran Dasar MnC Bank.

7. Dalam hal hanya ada seorang anggota Direksi maka segala tugas dan wewenang yang diberikan kepada Presiden Direktur atau anggota Direksi lainnya dalam anggaran Dasar berlaku pula baginya.

Rincian Tugas & Tanggung Jawab Anggota Direksi

Berdasarkan anggaran Dasar, pembagian tugas Direksi diputuskan oleh rUPs.

apabila tidak diputuskan oleh rUPs, maka pembagian Direksi ditetapkan melalui keputusan Direksi.

c. Written off/remove MnC Bank’s accounts receivable from its record and release the Company from its rights to collect written-off bad debt.

3. The Board of Directors shall request approval from the GMs to transfer, relinquish the rights or collateralized the Company’s assets that constitute more than 50% of the Company’s net assets pursuant to article 102 of the Company law and legislation in the capital markets.

4. The Chairman along with with a Director; or 2 Directors jointly; entitled and authorized to act for or on behalf of the Board of Directors and represent the Company.

5. The division of duties and responsibilities among members of the Board of Directors determined by the GMs. In the case it is not stipulated in the GMs, the division of duties and responsibilities shall be determined by the Board’s decision.

6. To take legal actions in the form of a transaction that includes a personal conflict of economic interest of the members of the Board of Directors, Board of Commissioners or Majority shareholder with the economic interest of the Company, the Board of Directors require the approval of the GMs and shareholders who do not have a conflict of interest as referred to in article 12, paragraph 8 letter a , b, c, and the article of association MnC Bank.

7. In the event that there is only one surviving member of the Board of Directors, then all duties and authorities granted to the Chairman or other members of the Board of Directors in the articles of association shall be applicable to him.

Detailed Duties & Responsibilities of Members of the Board of DirectorsBased on the articles of association, segregation of duties of the Board of Directors is decided by GMs.

If it is not decided by the GMs, the Board of Directors the segregation of duties through a Board of Directors’ decision.

DIREKSIBoard of Directors

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Berikut adalah lingkup dan tanggung jawab masing-masing anggota Direksi MnC Bank sebagaimana ditetapkan dalam keputusan Direksi tanggal 19 Januari 2017:

Namaname

JabatanPosition

Bidang TugasTask Field

Ruang Lingkup Tugasscopes of Duties

Benny Purnomo Presiden DirekturPresident Director

Internal auditCorporate secretary

Benny Helman Direktur | Director keuanganFinancial

Financial ControlTreasury & FIBusiness strategy & Planning

Nerfita Primasari Direktur | Director sDM & UmumGeneral affairs & Hr

Human resourcesGeneral services

Widiatama Bunarto

Direktur IndependenIndependent Director

operasional & Teknologi Informasioperations & Information Technology

Channel & Centralize Banking operationCredit administrationInformation Technology

Chisca Mirawati Direktur | Director kepatuhanCompliance

Compliancelegalrisk Management

pRoSEDUR, DASAR pENETApAN, STRUKTUR DAN REMUNERASI DIREKSI

prosedur & Dasar penetapanPenentuan remunerasi bagi anggota Direksi ditetapkan oleh rapat Umum Pemegang saham berdasarkan rekomendasi dari komite nominasi dan remunerasi. secara umum, remunerasi ditetapkan dengan mempertimbangkan skala usaha, kondisi pasar, serta kemampuan keuangan perusahaan.

Penyusunan kebijakan dan pengajuan remunerasi Direksi dan komisaris dilaksanakan oleh komite remunerasi dan nominasi dengan mempertimbangkan standar remunerasi dan industi, kinerja MnC Bank, hasil evaluasi Direksi dan tingkat kenaikan inflasi. Selanjutnya komite akan memberikan rekomendasi kepada Dewan komisaris untuk disampaikan kepada rUPs.

The following illustrates individual scope and responsibilities of member of the Board of Directors as decided under Board of Directors’ resolution dated 19 January 2017:

pRocEDURES, STIpULATIoN BASIS, STRUcTURE, AND REMUNERATIoN oF BoARD oF DIREcToRS

procedures & Stipulation Basisremuneration of the members of the Board of Directors determined by the General Meeting of shareholders as proposed by the Board of Commissioners based on recommendation from the nomination and remuneration Commitee.In general, remuneration is stipulated considering business scale, market benchmark, and company’s financial performance.

The formulation of remuneration policy and proposal for the Board of Directors and Commissioners is implemented by the remuneration and nomination Committee by taking into observance the remuneration standard and industry, MnC Bank performance, assessment results of the Board of Directors and inflation increment level. Furthermore, the Committee will provide recommendation to the Board of Commissioners for submission to the GMs.

DIREKSIBoard of Directors

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Struktur Remunerasi remunerasi anggota Direksi terdiri dari:

no. KomponenComponent

RincianDetails

1. Annual Basic Guaranteed - Gaji Pokok | Basic salary- Tunjangan Hari raya (THr)

2. Tunjangan | Benefit - Program kepemilikan kendaran | Car ownership Program (CoP)- Pinjaman | loans- Health care | medical insurance- BPJs ketenagakerjaan | The social security agency- kesehatan | Health

3. Insentif | Incentive - Program kepemilikan saham untuk Manajemen dan karyawan | Management and employee ownership Program (MesoP)

- Bonus kinerja | Performance Bonus

struktur remunerasi dan fasilitas lain bagi Dewan komisaris dan Direksi dapat disampaikan sebagai berikut:

Struktur Remunerasi DireksiBoard of Directors remuneration structure

Jenis Remunerasi dan Fasilitas Types of remuneration and Facilities

Jumlah Yang Diterima Direksi Dalam 1 (Satu) Tahunamount received by the Board of Directors in 1 (one) Year

Direksi | Board of Directors

orang | person Juta | Million (Rp)1. remunerasi dalam bentuk non-natura remuneration in non-natura 5 10.687

2. Fasilitas lain dalam bentuk natura yang: other facilities in natura, which:

a. dapat dimiliki | can be owned - -

tidak dapat dimiliki | cannot be owned - -

Jumlah | Total 5 10.687

Jumlah Remunerasi DireksiJumlah remunerasi dan tunjangan yang diberikan kepada anggota Direksi pada tahun 2016 adalah sebesar rp10,687 miliar.

remunerasi dalam satu tahun dikelompokkan dalam kisaran tingkat penghasilan adalah sebagai berikut

Jumlah Remunerasi per orang dalam 1 (Satu) Tahun *)Total remuneration per Person in 1 (one) Year *)

Jumlah DireksiTotal Board of Directors

Di atas rp2 miliar | above rp2 billion 4

Di atas rp1 miliar s.d. rp2 miliar | above rp1 billion to rp2 billion -

Di atas rp500 juta s.d. rp1 miliar | above rp500 million to rp1 billion 1

rp500 juta ke bawah | below rp500 million -keterangan | Description:*) yang diterima secara tunai | received in cash

Remuneration StructureThe remuneration component of BoD members, is as follows:

The remuneration structure and other facilities for the Board of Commissioners and Board of Directors can be described as follows:

BoD Total RemunerationThe total remuneration and facilities for BoD members during 2016 was rp10.687 billion.

Remuneration within one year is classified in the following range of income levels as follows.

DIREKSIBoard of Directors

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Hubungan antara Remunerasi dengan Kinerja perseroanselain mempertimbangkan skala usaha dan kondisi pasar, kinerja MnC Bank juga menjadi salah satu kriteria dalam penentuan remunerasi bagi anggota direksi. kinerja MnC Bank dan anggota direksi diukur berdasarkan pencapaian target serta realisasi rencana Bisnis MnC Bank.

KEBIJAKAN DAN FREKUENSI RApAT DIREKSI, RApAT BERSAMA DEwAN KoMISARIS DAN TINgKAT KEHADIRAN ANggoTA DIREKSI

Kebijakan Rapat DireksiDireksi MnC Bank wajib mengadakan rapat Direksi secara berkala paling kurang 1 (satu) kali dalam setiap bulan dan/atau dapat dilakukan setiap waktu sesuai dengan ketentuan dalam anggaran Dasar.

Frekuensi dan Kehadiran Rapat Direksi

selama tahun 2016, telah dilaksanakan sebanyak 46 (empat pulh enam) kali rapat Direksi dengan frekuensi kehadiran dari masing-masing Direktur, sebagai berikut:

Daftar Kehadiran Rapat Direksi Regularattendance list of BoD regular Meetings

Namaname

JabatanPosition

Jumlah RapatTotal

Meeting

Jumlah Kehadiran

Total attendance

% Kehadiran

% attendance

Benny Purnomo Presiden Direktur | President Director 46 43 93,47%

Benny Helman Direktur | Director 46 40 86,95%

Nerfita Primasari Direktur | Director 46 42 91,30%

Widiatama Bunarto Direktur Independen | Independent Director 46 42 91,30%

Chisca Mirawati* Direktur kepatuhan | Compliance Director 46 20 60,61%*) efektif menjabat sebagai Direktur kepatuhan setelah lulus F&P sesuai surat oJk tanggal 25 Juli 2016. | effective to serve as Compliance Director following the oJk

letter dated 25 July 2016 on the approval of F&P

Rapat gabungan Direksi dan Dewan Komisaris

Direksi juga wajib mengadakan rapat bersama Dewan komisaris secara berkala paling sedikit 1 (satu) kali dalam setiap 4 (empat) bulan.

Remuneration vs. the company performance

Company performance is one of the criteria that will affect remuneration for board of directors, besides other criterias such as business scale and market benchmark. MNC Bank and BoD performance is reflected in the achievement of Bank’s target and accomplishment of Bank’s business plan.

BoARD oF DIREcToRS’ MEETINgS poLIcY AND FREQUENcY, JoINT MEETINgS wITH THE BoARD oF coMMISSIoNERS, & ATTENDANcE

The Board of Directors Meeting policy The Board of Directors of MnC Bank shall hold regular meeting at least one (1) time in every month and/or may be held in any time in accordance with the article of association.

Frequency and Attendance of The Board of Directors MeetingsThe Company convened 46 Board of Directors meetings during 2016 as per below details of frequency and attendance of each Director:

Board of Directors and Board of commissioners Joint MeetingsThe Board of Directors is also required to hold a periodical joint meeting with the Board of Commissioners of at least once ever

DIREKSIBoard of Directors

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Frekuensi dan Kehadiran Rapat gabungan Direksi dan Dewan Komisaris

selama tahun 2016, telah dilaksanakan sebanyak 4 (empat) kali rapat gabungan Direksi dan Dewan komisaris dengan frekuensi kehadiran, sebagai berikut:

Daftar Kehadiran Rapat gabungan Direksi dengan Dewan Komisarisattendance list of Joint Meeting BoD With BoC

Namaname

JabatanPosition

Jumlah RapatTotal

Meeting

Jumlah Kehadiran

Total attendance

% Kehadiran% attendance

Dewan Komisaris | Board of Commissioners

eko B. supriyanto Presiden komisaris (Independen) President Commissioner (Independent)

4 3 75%

Purnadi Harjono komisaris | Commissioner 4 2 50%

Bapak rusli Witjahjono komisaris Independen | Independent Commissioner

4 3 75%

Direksi | Board of Directors

Benny Purnomo Presiden Direktur | President Director

4 4 100%

Benny Helman Direktur | Director 4 4 100%

Nerfita Primasari Direktur | Director 4 4 100%

Widiatama Bunarto Direktur Independen | Independent Director

4 4 100%

Chisca Mirawati Direktur | Director 4 3 75%

pelatihan peningkatan Kompetensi Direksisepanjang tahun 2016, anggota Direksi Perseroan telah mengikuti berbagai program peningkatan kompetensi berupa pelatihan, workshop, konferensi, seminar, sebagaimana tabel berikut ini:

Frequency and Attendance of Joint Meetings Between The Board of Directors and The Board of commissionersThe Company convened 4 (four) joint meetings between the Board of Directors and the Board of Commissioners during 2016 as per below details of frequency and attendance:

Board of Directors competence TrainingsThroughout 2016, the Board of Directors have participated in various programs to increase their competence in the form of training, workshops, conferences, seminars, as describe in the following table:

DIREKSIBoard of Directors

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No TanggalDate

pelatihanTraining

penyelenggaraorganized

pesertaParticipant

1 27 Juni ‘1627 June ‘16 Tax amnesty 2016 MnC Group Benny Purnomo

2 13 oktober ‘1613 october ‘16

Persiapan sDM Perbankan Indonesia dalam asean Financial services & Banking IntegrationIndonesian Banking Hr Preparation in the asean Financial services & Banking Integration

Perbanas Benny Purnomo

3 09 Desember ‘1609 December ‘16

seminar economic outlook 2017 Ikatan Bankir Indonesia (IBI)Indonesian Bankers associate

Benny Purnomo

4 1 Juni ‘161 June ‘16 Sertifikasi Manajemen Risiko (level 5) MnC Bank Benny Helman

5 27 Juni ‘1627 June ‘16 Tax amnesty 2016 MnC Group Benny Helman

6 31 Mei ‘1631May ’16 Sertifikasi Manajemen Risiko (level 5) MnC Bank Nerfita Primasari

7 11 Juli ‘1611 July ‘16 Mortgage Business MnC Bank Nerfita Primasari

8 5 september 16 Tax amnesty Pajak Nerfita Primasari

9 13 oktober ‘1613 october ‘16

Persiapan sDM Perbankan Indonesia dalam asean Financial services & Banking IntegrationIndonesian Banking Hr Preparation in the asean Financial services & Banking Integration

Perbanas Nerfita Primasari

10 1 Juni ‘161 June ‘16 Sertifikasi Manajemen Risiko (level 5) MnC Bank Widiatama Bunarto

11 5 september 16 Tax amnesty Pajak Widiatama Bunarto

12 27-Jun-16 Tax amnesti 2016 MnC Group Chisca Mirawati

13 11-Jul-16 Mortgage Business MnC Bank Chisca Mirawati

14 09 november ‘1609 november ‘16

sustainability risk Management in lending Program

Banker association for risk Management (Bara) Chisca Mirawati

15 03 november ‘1603 november ‘16

Prospek Perekonomian nasional 2017 Peluang dan Tantangan Industri Perbankan2017 national economics Prospectsopportunities and Challenges in Banking Industry

Forum komunikasi Direktur kepatuhan Perbankan (FkDkP)Banking Compliance Director Communication Forum

Chisca Mirawati

16 09 november ‘1609 november ‘16

sustainability risk Management in lending Program

Banker association for risk Management (Bara) Chisca Mirawati

17 09 Desember ‘1609 December ‘16 seminar economic outlook 2017 Ikatan Bankir Indonesia (IBI) Chisca Mirawati

Sertifikasi Manajemen RisikoDisamping program peningkatan kompetensi di atas, Direksi juga mengikuti program Sertifikasi Manajemen risiko. Pada periode 2016, Direksi yang telah lulus sertifikasi manajemen risiko sebagai berikut.

Jenjang JabatanPosition

Jumlah pejabat

Total executives

Telah Lulus Sertifikasi Manajemen Risiko (Reguler)Has Passed Risk Management Certification (Regular)

level 5 level 4 level 3 level 2 level 1

Direksi | Board of Directors 5 5 - - - -

Risk Management CertificationBesides the program above to improve the competence the Board of Directors also attended the Risk Management Certification program. In 2016, the Board of Directors who have passed the certification of risk management were as follows.

DIREKSIBoard of Directors

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penilaian Terhadap Kinerja Komite Yang Mendukung pelaksanaan Tugas Direksi

Dalam melaksanakan tugasnya, Direksi membentuk komite-komite dalam rangka membantu Direksi terkait efektivitas dan efisiensi termasuk dalam hal pengambilan keputusan strategis terhadap aktivitas operasional Perseroan.

komite tersebut adalah:1. komite Manajemen risiko.2. komite Pengarah Teknologi Informasi3. komite aset dan liabilitas4. Change Management Office.5. komite kredit

KoMITE MANAJEMEN RISIKokomite Manajemen risiko dibentuk oleh Direksi melalui keputusan no.skeP-016/BaBP/DIr/11-14 tanggal 30 april 2014 guna memastikan pelaksanaan proses dan sistem manajemen yang efisien sejalan dengan prinsip-prinsip GCG dan Peraturan serta seBI.

aktivitas komite Manajemen risiko termasuk didalamnya organisasi komite, tugas dan tanggung jawab, kewenangan serta pengadaan rapat berpedoman kepada Piagam komite Manajemen risiko yang dikeluarkan pada bulan Maret 2015.

Struktur dan Keanggotaankeanggotaan komite Manajemen risiko umumnya bersifat tetap namun dapat ditambah dengan anggota tidak tetap sesuai dengan kebutuhan Perseroan, terdiri dari :

ketua: Direktur yang membawahi bidang kepatuhan dan manajemen risiko

sekretaris merangkap anggota: Pejabat eksekutif yang memimpin satuan kerja Manajemen risiko

anggota: Direksi dan Pejabat eksekutif yang ditetapkan berdasarkan Piagam komite Manajemen risiko yang dikeluarkan pada bulan Maret 2015.

performance Assessment of Board of Directors committees

In performing its duties, the Board of Directors established committees in order to assist the Board of Directors in regards to the effectiveness and efficiency including in strategic decision making towards the Company’ operational activities.

The Committees are as follows:1. risk Management Committee.2. Information Technology steering Committee3. asset and liability Committee4. Change Management Office.5. Credit Committee

RISK MANAgEMENT coMMITTEErisk Management Committee was established by the Board of Directors through the Decision no.skeP-016/BaBP/DIr/11-14 dated 30 april 2014 to ensure the efficiency of implementation on process and effective management system in line with the principles of GCG and regulation as well as seBI.

The risk Management Committee activities including the duties and responsibilities, authority and meetings are guided by the risk Management Committee Charter which was issued in March 2015.

Structure and MembershipThe structure and membership of risk Management Committee are usually permanent and may be added with non-permanent members as required by the Company, as follows :

Chairman : Director in charge of compliance & risk management

secretary who is also a member: executives in charge of risk Management Unit

Member:The Board of Directors and executives stipulated based on the risk Management Committee Charter issues on March 2015.

DIREKSIBoard of Directors

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Tugas dan Tanggung JawabWewenang dan tanggung jawab satuan kerja Manajemen risiko adalah melakukan evaluasi dan memberikan rekomendasi kepada Presiden Direktur terkait Manajemen risiko yang paling kurang meliputi: 1. Mengevaluasi laporan berkala satuan kerja

Manajemen risiko (skMr) mengenai perkembangan risiko kredit, termasuk faktor-faktor penyebabnya.

2. Melakukan evaluasi hasil kajian berkala skMr tentang kecenderungan perubahan suku bunga atau kemungkinan terjadinya tekanan pasar dan meninjau kembali eksposur risiko suku bunga yang ada dan limit yang ditetapkan.

3. Mengevaluasi hasil kajian berkala skMr tentang kecenderungan perubahan nilai tukar atau kemungkinan terjadinya tekanan pasar dan meninjau kembali eksposur risiko nilai tukar yang ada dan limit yang ditetapkan.

4. Mengevaluasi laporan hasil pemantauan skMr tentang eksposur risiko likuiditas dan kerugian yang disebabkan faktor risiko likuiditas.

5. Mengevaluasi laporan skMr mengenai kerugian dari risiko operasional dan hasil review kepatuhan audit intern.

6. Menyusun kebijakan Manajemen risiko serta perubahannya termasuk strategi manajemen risiko dan contingency plan apabila kondisi eksternal tidak normal terjadi.

7. Melakukan perbaikan atau penyempurnaan penerapan Manajemen risiko yang dilakukan secara berkala maupun bersifat insidentil sebagai akibat dari suatu perubahan kondisi eksternal dan internal Bank yang mempengaruhi kecukupan permodalan dan profil risiko MNC Bank dan hasil evaluasi terhadap efektivitas penerapan tersebut.

8. Melakukan pembahasan dan evaluasi isu-isu yang ada pada Laporan Profil Risiko.

9. Melaksanakan proses dan sistem manajemen risiko yang efektif, melalui pengawasan aktif Dewan komisaris dan Direksi; kecukupan tersedianya kebijakan, prosedur dan penetapan limit; kecukupan proses identifikasi, pengukuran, pemantauan; tersedianya sistem informasi manajemen risiko yang memadai, serta memberikan atensi dan pengarahan pelaksanaan sistem pengendalian intern yang menyeluruh.

Duties and Responsibilities The duties and responsibilities of risk Management Committee are to evaluate and provide recommendation to the President Director on the risk Management, at least including:1. evaluating the periodic report from risk

Management Unit (skMr) regarding the development of credit risk, including its causes.

2. evaluating the results of periodic review from skMr on trend of changes in interest rates or potential market pressures and revisit the risk exposure on current interest rate and the limit set.

3. evaluating the results of periodic review from skMr on trend of changes in exchange rates or potential market pressures, and revisit and revisit the risk exposure on current exchange rate and the limit set.

4. evaluating the monitoring report by skMr on liquidity risk exposure and losses caused liquidity risk factors.

5. evaluating the report from skMr on losses from operational risk and internal audit compliance review results.

6. Developing the risk management policies and its changes including risk management strategy and a contingency plan in the event of unnormal external conditions occurs.

7. Improving or refining the periodic or incidental Risk Management application as a result of changes in external and internal conditions affecting the MNC Bank’s capital adequacy and risk profile and the evaluation results on the effectiveness of the deployment.

8. analysing and evaluating the issues that exist in the Risk Profile Report.

9. Implementing processes and effective risk management system, through active supervision of the Board of Commissioners and Directors; adequacy of policies, procedures and limitations set; adequacy of identification process, measurement, monitoring; the availability of adequate risk management information systems, as well as giving attention and directing the implementation of a comprehensive internal control system.

DIREKSIBoard of Directors

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10. Melaksanakan prinsip-prinsip Tata kelola di setiap kegiatan usaha pada seluruh tingkatan atau jenjang organisasi.

pelaksanaan Tugas dan Rapat Komite sepanjang tahun 2016, komite Manajemen risiko telah menjalankan tugas sebagaimana telah dijabarkan dalam tugas dan tanggung jawab komite Manajemen risiko dan telah mengadakan rapat sebanyak 13 (tiga belas) kali rapat.

KoMITE pENgARAH TEKNoLogI INFoRMASIkomite Pengarah Teknologi Informasi dibentuk oleh Direksi melalui keputusan no.skeP-006/MnCB/DIr/06-16 tanggal 2 Juni 2016. sesuai PoJk no.38/PoJk.03/2016 tanggal 1 Desember 2016 perihal Penerapan Manajemen risiko Dalam Penggunaan Teknologi Informasi oleh Bank Umum.

komite Pengarah Teknologi Informasi mempunyai peranan penting dalam mengarahkan dan merumuskan rencana strategis teknologi informasi yang sesuai dengan rencana Bisnis MnC Bank dan juga mengawasi implementasinya melalui proyek-proyek teknologi informasi agar sesuai dengan rumusan kebijakan, standar, prosedur dan sumber daya yang dialokasikan.

Struktur dan Keanggotaanstruktur dan keanggotaan dari komite Pengarah Teknologi Informasi terdiri dari:

ketua:Direktur yang membawahi bidang Teknologi Informasi.

sekretaris merangkap anggota:Pejabat eksekutif yang memimpin satuan kerja Teknologi Informasi

anggota:Direksi dan Pejabat eksekutif yang diangkat berdasarkan surat keputusan Direksi no.skeP-006/MnCB/DIr/06-16 tanggal 1 Juni 2016.

Tugas dan Tanggung Jawab1. Menyiapkan dan merekomendasikan kepada

Direksi proposal tentang IT Business Plan pada setiap tahun anggaran dan IT Blue Print minimal untuk 5 (lima) tahun kedepan.

10. Implementing corporate governance principles in all business activities at all organization levels.

Implementation of Duties and Meeting Frequency Throughout 2016, The risk Management Committee has implemented its duties as set out in the duties and responsibilities of the risk Management Committee and has held 13 (thirteen) meetings.

INFoRMATIoN TEcHNoLogY STEERINg coMMITTEEInformation Technology steering Committee was formed by the Board of Directors through the Decision no.skeP-006/MnCB/DIr/06-16 dated 2 June 2016 in line with the PoJk no.38/PoJk.03/2016 dated December 1, 2016, concerning application of risk Management in Information Technology Usage by Commercial Banks.

Information Technology steering Committee has an important role in directing and formulating the strategic plan of information technology in accordance with the Business Plan and also oversees its implementation through information technology projects in accordance with the formulation of policies, standard, procedures and allocated resources.

Structure and MembershipThe structure and membership of Information Technology steering Committee are as follows :

Chairman:Director in charge for Information Technology.

secretary who is also a member:executives in charge of the Information Technology Unit.

Member:Board of Directors and executives as appointed under the Decree of the Board of Directors, no.skeP-006/MnCB/DIr/06-16 dated 1 June 2016.

Duties and Responsibilities1. Preparing and providing recommendation to the

Board of Directors on IT Business Plan proposal for the fiscal year and IT Blue Print for at minimum 5 (five) years.

DIREKSIBoard of Directors

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2. Mengusulkan dan merekomendasikan kepada Direksi atas usulan suatu proyek atau kegiatan atau inisiatif TI baru (baik perangkat keras, perangkat lunak dan pendukung TI yang tepat guna bagi MnC Bank) baik yang sudah dianggarkan maupun yang belum dianggarkan, untuk dilaksanakan dengan batasan limit biaya Dewan komisaris.

3. Mengevaluasi secara berkala seluruh pelaksanaan rencana TI yang sudah ditetapkan dan biaya-biaya yang terealisasi berkenaan dengan TI serta memutuskan tindakan-tindakan yang diperlukan untuk pelaksanaan berikutnya.

4. Membahas current issue seputar teknologi terkini sehingga dapat dilakukan perubahan dimana perlu yang akan meningkatkan pertumbuhan bisnis.

pelaksanaan Tugas dan Frekuensi Rapat1. komite Pengarah Teknologi Informasi

menyelenggarakan rapat berkala 3 (tiga) bulanan sebanyak 4 (empat) kali yang dihadiri oleh Direktur yang membawahkan satuan kerja Teknologi Informasi, Direktur lain serta pejabat tertinggi yang membawahi satuan kerja penyelenggara TI dan satuan kerja pengguna TI.

2. setiap penyelenggaraan rapat, dibuat risalah rapat dan dirumuskan hal-hal penting dalam rapat yang perlu untuk segera ditindaklanjuti dengan menunjuk petugas penanggung jawab dan menetapkan target waktu penyelesaiannya. Hal-hal penting yang diidentifikasi dalam rapat tersebut ditindaklanjuti dan dipantau eksekusinya.

komite Pengarah Teknologi Informasi menyampaikan beberapa rekomendasi:1. Perubahan struktur organisasi Teknologi Informasi

sehingga satuan kerja penyelenggara Teknologi Informasi mempunyai sumber daya yang cakap untuk mendukung dan mengimplementasikan rencana jangka panjang dan pendek.

2. Melakukan peningkatan dan pembaharuan mesin server yang pemakaiannya diatas 5 tahun dengan yang baru atau dengan kapasitas yang lebih besar dan terintegrasi, sambil tetap mempertimbangkan faktor efisiensi.

3. Meningkatkan keandalan perangkat jaringan yang belum mempunyai perangkat pengganti sehingga meminimalisasi kemungkinan terjadinya kegagalan karena bergantung pada satu sistem tunggal penting yang ada di kantor Pusat dan Data Center.

2. To propose and provide recommendation to the Board of Directors on the proposed project or activity or a new IT initiatives (both hardware, software and IT support that is appropriate for MnC Bank) both budgeted or unbudgeted, to be implemented with cost threshold by the Board of Commissioners.

3. evaluating regularly on thorough implementation of IT plans that have been defined and costs that are realized in respect of IT and decide the required actions for subsequent implementation.

4. analysing the current issues on the latest technology so that it can be changed if necessary to increase the business growth.

Implementation of Duties and Meeting Frequency 1. Information Technology steering Committee held

4 times of 3 monthly regular meetings, which was attended by the Director who heads a working unit of Information Technology, another director as well as the highest official in charge of organizing the work unit work unit IT and IT users.

2. Minutes of Meeting was made in each meeting in which formulated salient matters that need to be followed up by pointing the officer in charge and set a completion target timeline. salient matters being identified in the meeting were followed up and monitored in its execution.

Information Technology steering Committee delivered recommendations:1. Changes in the organizational structure of the

Information Technology so that the working unit of Information Technology has competence resources to support and implement short and long term plans.

2. Upgrade and renewal of servers machines being used for more than 5 years with a new or larger capacity and integrated, while still considering an efficiency factor.

3. Improving the reliability of network devices that do not have a replacement device to minimize the possibility of failure as it depends on an important single system in the Head Office and Data Center.

DIREKSIBoard of Directors

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4. Meningkatkan kapasitas dan menstandarisasi jaringan komunikasi data di seluruh cabang agar memberikan waktu respon yang cepat dalam memproses transaksi nasabah.

5. Menata ulang dokumentasi dan menerapkan metode Manajemen resiko Teknologi Informasi meliputi: a. Manajemen organisasi.b. Manajemen operasional dan kapasitas.c. Manajemen komunikasi dan Jaringan.d. Manajemen Perangkat keras dan asset,e. Manajemen Proyek.f. Manajemen Pengembangan dan aplikasi.g. Manajemen Internet dan Perbankan elektronik,h. Manajemen keamanan Informasi.i. Manajemen kelangsungan Bisnis.j. Manajemen Pengadaan.

ASSET AND LIABILITY MANAgEMENT coMMITTEE (ALco)alCo dibentuk oleh Direksi melalui keputusan no.skeP-106a/BaBP/DIr/11-14 tanggal 17 november 2014 untuk memberikan arahan dan kebijakan terkait manajemen pengelolaan aset dan liabilitas yang menjadi dasar operasional dan aktivitas bisnis MnC Bank, guna mencapai target pendapatan MnC Bank dan dalam kerangka pengelolaan resiko yang baik dan prudence.

aktivitas alCo termasuk didalamnya organisasi komite, tugas dan tanggung jawab, kewenangan serta pengadaan rapat berpedoman kepada kebijakan dan alCo Chartered yang dikeluarkan pada bulan Juni 2015.

Struktur dan KeanggotaanBerdasarkan struktur organisasi saat ini dan tanggung jawab fungsional di MnC Bank, keanggotaan alCo adalah sebagai berikut:

ketua:Presiden Direktur

sekretaris Merangkap anggota:Pejabat eksekutif yang memimpin satuan kerja Treasury

anggota:Direksi dan Pejabat eksekutif yang ditetapkan berdasarkan alCo Chartered yang dikeluarkan pada bulan Juni 2015.

4. Improving the capacity and standardize data communication network in all branches in order to provide a fast response time in processing customer transactions.

5. Fixing the documentation and implementing the risk management methods of Information Technology include:a. organization management.b. operational Management and Capacity.c. Communications and network Management.d. Hardware and asset Management.e. Project management.f. Development and application Management.g. Internet Management and electronic Banking.h. Information security Management.i. Business Continuity Management.j. Procurement management.

ASSET AND LIABILITY MANAgEMENT coMMITTEE (ALco)alco was established by the Board of Directors through the Decision no.skeP-106a/BaBP/DIr/11-14 dated 17 november 2014 to provide direction and policy related to asset and liabilities management as basis for operational and business activities of MnC Bank, in order to achieve the revenue target and within the framework of prudence and good risk management.

The alCo activities including the committee organization, duties and responsibilities, authorities and Meetings guided by the alCo Policy and Charter issued in June 2015.

Structure and MembershipBased on existing organization structure and functional responsibilities in MnC Bank, alCo membership is as follows:

Chairman:President Director

secretary who is also a member:executives in charge of Treasury Unit

Member:Board of Directors and executives as stipulated based on alCo Charter issued in June 2015.

DIREKSIBoard of Directors

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Uraian Tugas dan Tanggung Jawab1. Mengawasi dan mencermati kondisi ekonomi dan

pasar keuangan: valuta asing, suku bunga, serta pasar modal, yang dapat mempengaruhi jalannya perencanaan dan skenario bisnis MnC Bank.

2. Memberikan arahan, rekomendasi dan monitoring terhadap posisi aset dan libilitas dalam neraca MnC Bank. Termasuk dalam hal ini adalah target pencapaian dan perkembangan neraca, struktur penggunaan likuiditas, hutang dari pasar modal, tingkat pengembalian dari seluruh asset bisnis dan analisa kompetitif dana pihak ketiga pada seluruh segmen bisnis.

3. Menentukan serta memastikan kepatuhan standar minimum kebutuhan modal yang sesuai dengan regulasi dan target kecukupan modal lainnya yang ditentukan oleh Manajemen MnC Bank.

4. Menentukan dan menyetujui perencanaan likuiditas dan pendanaan MnC Bank, beserta limit-limit yang menyertainya. Termasuk dalam hal ini adalah menentukan target terhadap rasio-rasio structural likuiditas dan market triggers. alCo melakukan review terhadap adanya proposal dan rencana perubahan terhadap parameter-paramater ini.

5. Melakukan review terhadap hasil dari stress tests yang dilakukan terhadap kondisi likuiditas MnC Bank dan memasukkan hasilnya kedalam perencanaan likuiditas dan pendanaan Bank.

6. Melakukan monitoring terhadap utilisasi dari limit-limit, target dari rasio-rasio structural likuiditas MnC Bank dan market triggers. alCo memutuskan langkah-langkah yang akan diambil terhadap adanya pelampauan limit.

7. Memastikan bahwa risiko pasar dari portfolio non-trading MNC Bank dapat diidentifikasi secara baik dan risikonya dapat dikelola sepenuhnya dengan penetapan limit-limit risiko dan market triggers.

8. Menentukan dan menetapkan business transfer pricing melalui penetapan tingkat pool rate atau funds transfer pricing.

9. Melakukan review terhadap rencana permodalan dan dividen MnC Bank.

pelaksanaan Tugas dan Frekuensi Rapat

sepanjang tahun 2016, alCo telah menjalankan tugas sebagaimana telah dijabarkan dalam tugas dan tanggung jawab dengan mengadakan rapat sebanyak 12 (dua belas) kali rapat.

Duties and Responsibilities1. supervising and reviewing the economic and

financial market condition: foreign currencies, interest rates, and capital market, that may influence MNC Bank’s planning and business scenarios.

2. Providing directive, recommendation and monitoring on assets and liabilities in MnC Bank’s balance sheet. Including the balance sheet achievement target and development, liquidity usage structure, payable from capital market, return level from all business assets, and competitive analysis on third party funds in all business segments.

3. Determining and ensuring compliance with capital requirements minimum standard in accordance with regulations and other capital adequacy targets stipulated by MnC Bank’s Management.

4. stipulating and approving MnC Bank’s liquidity and funding planning, as well as its limitations. Including to set the target on liquidity structural ratios, and market triggers. To review the proposal and plan on the changes of these parameters.

5. reviewing the results of stress tests conducted on MnC Bank’s liquidity condition and included the results into MnC Bank’s liquidity and funding planning.

6. Monitoring on utilization of limits, targets from MnC Bank’s liquidity structural ratios and market triggers. alCo to decide the steps to be taken upon over limits.

7. ensuring MnC Bank’s market risk from non-trading portfolio can be well identified, and the risk can be fully managed by stipulating the risk limits and market triggers.

8. Determining and stipulating business transfer pricing through the pool rate or funds transfer pricing.

9. reviewing MnC Bank’s capital and dividend.

The Implementation of Tasks and Meeting FrequencyThroughout 2016, alCo has implemented its duties as set out in the duties and responsibilities by convening a total of 12 (twelve) meetings.

DIREKSIBoard of Directors

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cHANgE MANAgEMENT oFFIcE coMMITTEEBapak Moh. Didi suatmadijaya sebagai Change management Office Committee yang bertanggung jawab dan melapor langsung kepada Presiden Direktur.

Uraian Tugas dan Tanggung Jawab1. Mengembangkan dan mengelola perubahan

termasuk mengelola dan mengatur pertemuan rutin dengan Steering Committe dan Project Manager.

2. Mengembangkan strategi, pendekatan dan metodologi manajemen perubahan.

3. Mengidentifikasi potensi risiko dan mengembangkan rencana spesifik untuk mengurangi maupun mengatasi masalah yang timbul.

4. Mendukung kerja Project Manager untuk mengembangkan rencana perubahan.

5. Membuat dan mengelola sistem penilaian untuk mengukur kemampuan perubahan setiap individu.

6. Mengidentifikasi resistensi dan kesenjangan yang timbul untuk mengembangkan dan mengimplementasikan tindakan korektif.

7. Bekerja dengan tim proyek untuk mengintegrasikan kegiatan manajemen perubahan ke dalam rencana proyek secara keseluruhan.

8. Bekerja sama dengan konsultan dan Project Manager terkait persiapan, kesiapan operasional dan pelaksanaan proyek.

pelaksanaan Tugas dan Frekuensi Rapatsepanjang tahun 2016, Change Management Office telah menjalankan tugas sebagaimana telah dijabarkan dalam tugas dan tanggung jawab.

cHANgE MANAgEMENT oFFIcE coMMITTEEMr. Moh. Didi suatmadijaya as a Change Management Office Committee is responsible and report directly to the President Director.

Duties and Responsibilities1. Developing and managing changes, including

managing and organizing regular meetings with the steering Committee and Project Manager.

2. Developing a strategy, approach and change management methodology.

3. Identifying the potential risks and develops a specific plan to reduce or overcome the problems.

4. supporting the Project Manager to develop change plans.

5. Creating and managing the assessment system to measure the ability of each individual changes.

6. Identifying resistance and gaps that arise to develop and implement corrective actions.

7. Working with the project team to integrate change management activities into the overall project plan.

8. Working with consultant and Project Manager on the preparation, operational readiness, and project implementation.

The Implementation of Duties and Meeting FrequencyThroughout 2016, Change Management Office had implemented its duties as described in the duties and responsibilities.

DIREKSIBoard of Directors

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KoMITE KREDITUntuk menerapkan sistem Manajemen risiko yang efektif dalam proses pemberian fasilitas kredit, MnC Bank mempunyai komite kredit yang merupakan komite dibawah Direksi yang bertugas untuk memberikan keputusan kredit dalam batas Wewenang Persetujuan kredit yang dimilikinya berdasarkan kebijakan kredit dan Pendegalasian Wewenang limit kredit yang berlaku dengan memperhatikan prinsip tata kelola perusahaan yang baik dan prinsip kehati-hatian.

Struktur dan Keanggotaankomite kredit terdiri dari Business Unit dan Supporting Unit, struktur dan keanggotan komite kredit daitur dalam kebijakan kewenangan kredit yang berlaku dan diangkat dengan surat keputusan Direksi yang terdiri dari ketua komite kredit adalah Direktur yang membidangi Business Banking dan sekretaris komite kredit adalah Pejabat eksekutif yang memimpin satuan kerja Credit review serta anggota-anggota yang terdiri dari Direksi dan Pejabat eksekutif yang diangkat berdasarkan surat keputusan Direksi.

Uraian Tugas dan Tanggung Jawabkomite kredit dalam menjalankan fungsi dan tugasnya mengacu kepada prosedur dan ketentuan yang diatur dalam kebijakan Umum kredit yang berlaku pada MnC Bank serta ketentuan wewenang limit kredit yang diatur dari waktu kewaktu oleh Direksi berdasarkan surat keputusan Direksi.

pelaksanaan Tugas dan Frekuensi Rapatsepanjang tahun 2016, komite kredit telah menjalankan tugas sebagaimana telah dijabarkan dalam tugas dan tanggung jawab komite-komite kredit dengan mengadakan rapat sebanyak 45 (empat puluh lima) kali rapat.

cREDIT coMMITTEETo implement an effective risk Management system in the process of credit facilities, MnC Bank has a Credit Committee under the Board of Directors which is responsible for providing credit decisions within the limits of its Credit approval authority based on applicable Credit Policy and Credit limit authority Delegation with regard to principles of good corporate governance and prudent principle.

Structure and MembershipThe Credit Committee comprised of Business Units and supporting Unit, the structure and membership of the Credit Committee regulated in the applicable loans authority Policy and appointed by Decree of the Board of Directors. The Credit Committee consists of a Chairman that also the Director in charge of Business Banking and secretary of the Credit Committee is an executive in charge of the Credit review unit and members comprising the Board of Directors and executive appointed by the Decree of the Board of Directors.

Duties and ResponsibilitiesThe Credit Committee in carrying out its functions and duties referred to the procedure and conditions set forth in the Credit General regulations applicable to MnC Bank and provisions on credit limit authority set from time to time by the Board of Directors pursuant to the Decree of the Board of Directors.

Duties Execution and Meeting FrequencyThroughout 2016, the Credit Committee has implemented its duties as set out in the duties and responsibilities of the Credit Committee by convening 45 (forty five) meetings.

DIREKSIBoard of Directors

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rUPs adalah organ MnC Bank yang memegang segala kewenangan yang tidak dapat didelegasikan atau diserahkan kepada Direksi dan Dewan komisaris. rUPs merupakan wadah para pemegang saham untuk mengambil keputusan penting berkaitan dengan modal yang ditanam dalam MnC Bank, dengan memperhatikan ketentuan anggaran Dasar dan Undang-undang Perseroan Terbatas.

rUPs juga berfungsi sebagai forum pertanggungjawaban kepengurusan Direksi dan komisaris atas hasil kinerjanya dalam kurun waktu yang telah ditentukan.

sesuai dengan anggaran Dasar, rUPs mempunyai kewenangan untuk memutuskan hal –hal berikut :1. Menyetujui atau tidak menyetujui laporan tahunan

yang disampaikan oleh Direksi.2. Ditetapkan penggunaan laba bersih.3. Penunjukan akuntan Publik yang terdaftar di Badan

Pengawas Pasar Modal dan lembaga keuangan, Bank Indonesia untuk keperluan pemeriksaan tahun buku berjalan, serta penetapan jumlah honorarium dan persyaratan penunjukkan lainnya.

4. Pengangkatan Direksi dan/atau Dewan komisaris.

keputusan yang diambil dalam rUPs didasari pada kepentingan usaha MnC Bank jangka panjang. Pengambilan seluruh keputusan rUPs dilakukan secara wajar dan transparan.

HAK pEMEgANg SAHAM Pemegang saham dalam penyelenggaraan rUPs memiliki hak sebagai berikut:1. Meminta pengadaan rUPs apabila memenuhi

syarat-syarat sebagaimana ditentukan dalam anggaran Dasar dan PoJk no.32/PoJk.04/2014 tanggal 8 Desember 2014 tentang rencana dan Penyelenggaraan rUPs Perusahaan Terbuka.

2. Mengajukan usul mata acara rUPs sesuai dengan peraturan perundang-undangan.

3. Memperoleh seluruh bahan dan materi rUPs yang tersedia di kantor MnC Bank sejak tanggal pemanggilan rapat Umum Pemegang saham.

The General Meeting of shareholders (GMs) in MnC Bank holds authorities that can not be delegated or assigned to the Board of Directors and Board of Commissioners. The GMs is a place for shareholders to take important decisions with regard to their investment in a MnC Bank, by taking into account on the provisions of articles of association and the Company law.

GMs also serves as a forum for the Board Directors and the Board of Commissioners performance results accountability in certain period.

In accordance with the articles of association, the GMs has the authority to decide the following :1. To approve or to not approve the annual report

submitted by the Board of Directors.2. To stipulae the use of net profits.3. appointment of Public accountant registered in the

Capital Market supervisiory agency and Financial Institution, Bank Indonesia for audit of relevan fiscal year, and stipulation of total honorarium and other appointment requirements.

4. appointment of Boarf of Directors and/or Board of Commissioners.

Decisions taken at the GMs are based on the long term interest of MnC Bank. all decision in the General Meeting of shareholders are taken in a reasonable and transparent manner.

SHAREHoLDERS RIgHTSThe shareholder at the implementation of the GMs shall have the following rights: 1. To request for GsM provided that requirements

under articles of association and PoJk no.32/PoJk.04/2014 dated 8 December 2014 on the Plan and Implementation of GMs of Public Company.

2. To propose agenda of GMs in accordance with prevailing regulations.

3. To obtain all materials of General Meeting of Shareholders available in MNC Bank Office since the date of General Meeting of shareholders Invitation.

RAPAT uMuMpEMEgANg SAHAMGeneral Meeting of Shareholders

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RAPAT uMuM PEMEGANG SAHAMGeneral Meeting of Shareholders

4. Menerima informasi mengenai Tata Tertib rUPs termasuk prosedur.

5. Berpartisipasi aktif dalam rUPs dan memberikan suara secara bertanggung jawab.

6. risalah rUPs tersedia di kantor MnC Bank dan MnC Bank menyediakan fasilitas agar pemegang saham dapat membaca risalah tersebut.

7. Menerima dividen saham dengan syarat dan ketentuan sesuai dengan keputusan rUPs.

KEBIJAKAN Penyelenggaraan rUPs MnC Bank didasarkan pada Undang-Undang Peseroan Terbatas, anggaran Dasar dan PoJk no. 32/PoJk.04/2014 tanggal 8 Desember 2014 tentang rencana dan Penyelenggaraan rapat Umum Pemegang saham Perusahaan Terbuka.

pENYELENggARAAN RUpS Berdasarkan Undang-undang Perseroan Terbatas, anggaran Dasar serta PoJk no.32/PoJk.04/2014, terdapat dua jenis rUPs Tahunan (rUPsT) dan rUPs luar Biasa (rUPslB). rUPsT harus diselenggarakan dalam jangka waktu tidak lebih dari 6 (enam) bulan setelah tahun buku berakhir, sedangkan rUPslB dapat diselenggarakan setiap saat bila diperlukan dan memenuhi peraturan dan persyaratan yang berlaku.

Pada tahun 2016, MnC Bank telah menyelenggarakan 1 (satu) kali rUPsT dan menyelenggarakan 3 (tiga) kali rUPslB.

SISTEM pENgAMBILAN SUARA DALAM RUpSkeputusan dalam rUPs diambil berdasarkan musyawarah mufakat. Dalam hal keputusan berdasarkan musyawarah untuk mufakat tidak tercapai, maka diadakan pemungutan suara yang dilaksanakan berdasarkan mekanisme pool yang dihitung dan divalidasi oleh Biro administrasi efek serta notaris yang ditunjuk untuk membantu pelaksanaan rUPs.

4. To receive information pertaining with GMs Code of Conduct including voting procedures.

5. actively participate in the GMs by casting accountable votes.

6. The Minutes of GMs is available in MnC Bank Office and MNC Bank provides facility to read such minutes.

7. To receive share dividend with terms as decided in the GMs.

poLIcYThe MnC Bank GMs policy refers to The Company law, article of association and PoJk no.32/PoJk.04/2014 dated 8 December 2014 concerning the Plan and Convention of General Meeting of shareholders for Public Companies.

gMS IMpLEMENTATIoN Pursuant to the Company law, article of association as well as PoJk 32/PoJk.04/2014, there are two types of GMs: the annual GMs (aGMs) and extraordinary GMs (eGMs). The aGMs must be implemented at the latest 6 (six) months after end of financial year, meanwhile the eGMs can be held anytime as necessary and in accordance with the prevailing laws and regulations.

During 2016, MnC Bank has held 1 (one) aGMs and 3 (three) eGsM.

VoTINg MEcHANISM IN gMS

all decisions in GMs are resolved in amicable manner. Failing of achieving resolutions through amicable manner, voting mechanism is conducted by pool mechanism, which is counted and validated by share registrar and notary who are appointed to assist the GMs.

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HASIL & REALISASI RApAT UMUM pEMEgANg SAHAM TAHUN 2015

Berdasarkan seoJk no.30/seoJk.04/2016 tentang Bentuk dan Isi laporan Tahunan emiten atau Perusahaan Publik, ringkasan hasil dan realisasi rUPs 2015 MnC Bank adalah sebagai berikut:

Keputusan RUpST 28 April 2015 | AgMS Resolutions 28 April 2015Keputusan Mata Acara 1 | Resolution of Agenda 1Menyetujui dan menerima baik laporan Tahunan Direksi Perseroan untuk Tahun Buku yang berakhir pada tanggal 31 Desember 2014.

approved the Company’s annual report from the Board of Directors for the Fiscal Year ended December 31, 2014.

Realisasi RUpST AgMS Realizationsperseroan telah merealisasikan: The Company has realized the following:

laporan Tahunan telah disampalkan kepada otoritas Jasa keuangan (oJk) dan Bursa efek Indonesia (BeI) pada 6 april 2015.

The annual report has been submitted to the Financial services authority (oJk) and Bursa efek Indonesia (BeI) on 6 april 2015.

Keputusan Mata Acara 2 | Resolution of Agenda 2Menyetujui dan mengesahkan laporan keuangan Perseroan untuk Tahun buku yang berakhir pada tanggal 31 Desember 2014, serta memberikan pelunasan dan pembebasan tanggung jawab sepenuhnya (acquit et de charge) kepada Dewan komisaris MnC Bank (termasuk Ibu ria Budiweni sumiati Pardede dan Bapak Dato’ Mat amir Bin Jaffar yang pengunduran dirinya masing-masing berlaku efektif pada penutupan rapat Umum Pemegang saham luar Biasa tanggal 20 Juni 2014 dan rapat Umum Pemegang saham luar Biasa tanggal 12 november 2014 (selanjutnya disebut rUPslB tanggal 12 november 2014) serta Bapak lim Teong liat yang pemberhentiannya berlaku efektif pada penutupan rUPslB tanggal 12 november 2014) atas tindakan pengawasan dan Direksi MnC Bank (termasuk Bapak eddy rainal sinulingga yang telah mengundurkan diri efektif pada tanggal 12 november 2014) atas pengurusan yang mereka lakukan dalam Tahun buku yang berakhir pada tanggal 31 Desember 2014, sejauh tindakan tersebut tercermin dalam laporan Tahunan dan laporan keuangan Perseroan tahun buku 2014 tersebut, kecuali untuk perbuatan penggelapan, penipuan dan tindak pidana lainnya.

approved and endorsed the Company’s Financial statements for the Fiscal Year ended December 31, 2014, as well as provided release and discharge full responsibility (acquit et de charge) to the MnC Bank Bord of Commissioner (including Ms. ria Budiweni sumiati Pardede and Mr Dato Mat amir Bin Jaffar whose resignation was effective at the close of the extraordinary General Meeting of shareholders dated June 20, 2014 and the extraordinary General Meeting of shareholders dated 12 november 2014 (hereinafter called the eGMs dated 12 november 2014) and Mr. lim Teong liat whose dismissal becomes effective at the closing of the eGMs dated 12 november 2014) on supervisory activity and MnC Bank Board of Directors (including Mr. eddy rainal sinulingga who has resigned effective on november 12, 2014) on the management in the Fiscal year ended on December 31, 2014, so long as all their action were reflected in the Company’s Annual Report and Financial Statements for the fiscal year 2014, except for any embezzlement, fraud and other criminal acts

Realisasi RUpST AgMS Realizationsperseroan telah merealisasikan: The Company has realized the following:

langsung berlaku. keputusan yang diambil dalam Mata acara 2 disetujui oleh 100% saham yang hadir pada saat rUPs Tahunan.

Immediately in effect. Decisions made for agenda 2 were given approval to by 100% shares represented during the aGMs.

2015 gENERAL MEETINg oF SHAREHoLDERS RESoLUTIoNS & REALIZATIoNS Pursuant to seoJk no.30/seoJk.04/2016 regarding the formulation and contents of the annual report of issuers or public companies, the results and realization of 2015 GMs of MnC Bank Website are as follows:

RAPAT uMuM PEMEGANG SAHAMGeneral Meeting of Shareholders

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Keputusan RUpST 28 April 2015 | AgMS Resolutions 28 April 2015Keputusan Mata Acara 3 | Resolution of Agenda 3

Menetapkan tidak ada pembagian dividen kepada para pemegang saham Perseroan untuk tahun buku 2014 (dua ribu empat belas).

established that no dividend would be distributed to the Company’s shareholders for the financial year 2014 (two thousand and fourteen).

Realisasi RUpST AgMS Realizationsperseroan telah merealisasikan: The Company has realized the following:

langsung berlaku. keputusan yang diambil dalam Mata acara 3 disetujui oleh 100% saham yang hadir pada saat rUPs Tahunan.

Immediately in effect. Decisions made for agenda 3 were given approval to by 100% shares represented during the aGMs

Keputusan Mata Acara 4 | Resolution of Agenda 41. Memberikan penghargaan kepada segenap

anggota Dewan komisaris Perseroan yang telah berakhir masa jabatannya terhitung sejak ditutupnya rUPsT ini, dengan ucapan terima kasih atas segala jasa dan pengabdian yang telah mereka berikan kepada Perseroan selama masa jabatannya;

2. Memberikan penghargaan kepada segenap anggota Direksi Perseroan yang telah berakhir masa jabatannya terhitung sejak ditutupnya rUPsT ini, dengan ucapan terima kasih atas segala jasa dan pengabdian yang telah mereka berikan kepada Perseroan selama masa jabatannya;

3. Mengangkat kembali Bapak Bambang ratmanto sebagai Presiden komisaris (merangkap komisaris Independen) Perseroan, Bapak Purnadi Harjono sebagai komisaris Perseroan dan Bapak eko B. supriyanto sebagai komisaris Independen Perseroan dengan masa yang baru terhitung sejak ditutupnya rUPsT ini sampai dengan penutupan rUPsT Tahunan Perseroan yang diselenggarakan pada tahun 2018 dengan tidak mengurangi hak rUPsT Umum Pemegang saham untuk memberhentikannya sewaktu-waktu sebelum masa jabatannya tersebut berakhir sesuai dengan ketentuan Pasal 119 juncto Pasal 105 UUPT. sehingga susunan Dewan komisaris Perseroan terhitung sejak ditutupnya rUPsT ini sampai dengan penutupan rUPsT Tahunan Perseroan yang diselenggarakan pada tahun 2018 adalah:Dewan komisaris :Presiden komisaris : Bapak Bambang ratmanto (merangkap komisaris Independen)komisaris : Bapak Purnadi Harjonokomisaris Independen : Bapak eko B. supriyanto

1. Gave appreciation to all members of the Board of Commissioners that has ended their term as of the closing of this aGM, with gratitude for their services and dedication they have given to the Company during their tenure;

2. Gave appreciation to all members of the Board of Directors who has ended their term as of the closing of this aGM, with gratitude for their services and dedication they have given to the Company during their tenure;

3. re-appointed Mr. Bambang ratmanto as the President Commissioner (concurrently as Independent Commissioner) of the Company, Mr. Purnadi Harjono as a Commissioner and Mr. eko B. supriyanto as an Independent Commissioner with a new term from theclosing of this aGM until the closing of the Company’s annual General aGM of shareholders held in 2018, without prejudice to the right of the General aGM of shareholders to dismiss them at any time before their term ended in accordance with the provisions of article 119 and article 105 of the Company law;so that the composition of the Board of Commissioners as of the closing of this aGM until the closing of the Company’s annual General aGM held in 2018 are:Board of Commissioners :President Commissioner : Mr. Bambang ratmanto (Independent Commissioner)Commissioner : Mr. Purnadi HarjonoIndependent Commissioner : Mr. eko B. supriyanto

RAPAT uMuM PEMEGANG SAHAMGeneral Meeting of Shareholders

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Keputusan RUpST 28 April 2015 | AgMS Resolutions 28 April 20154. Mengangkat kembali Bapak Benny Purnomo

sebagai Presiden Direktur Perseroan, Bapak Benny Helman, Ibu Nerfita Primasari dan Bapak Widiatama Bunarto, masing-masing sebagai Direktur Perseroan serta Ibu Tjit siat Fun sebagai Direktur Perseroan yang membawahkan Fungsi kepatuhan dengan masa jabatan yang baru terhitung sejak di tutupnya rUPsT ini sampai dengan penutupan rUPsT Tahunan Perseroan yang diselengarakan pada tahun 2020 dengan tidak mengurangi hak rUPsT Umum Pemegang saham untuk memberhentikannya sewaktu-waktu sebelum masa jabatannya tersebut berakhir sesuai dengan ketentuan Pasal 105 UUPT;

5. Mengukuhkan Bapak Widiatama Bunarto sebagai Direktur Independen, sesuai ketentuan romawi V.4 Peraturan Bursa efek Indonesia no.I-a tentang Pencatatan saham dan efek Bersifat ekuitas selain saham Yang Diterbitkan oleh Perusahaan Tercatat yang merupakan lampiran I keputusan Direksi PT. Bursa efek Indonesia no.kep-00001/BeI/01-2014 tanggal 20 Januari 2014, menggantikan Bapak sindbad rijadi Hardjodipuro yang berakhir masa jabatannya pada penutupan rUPsT ini; sehingga susunan Direksi Perseroan terhitung sejak ditutupnya rUPsT ini sampai dengan penutupan rUPsT Tahunan Perseroan yang diselenggarakan pada tahun 2020 adalah:Direksi:Presiden Direktur : Bapak Benny PurnomoDirektur : Bapak Benny HelmanDirektur : Ibu Nerfita PrimasariDirektur kepatuhan : Ibu Tjit siat FunDirektur Independen : Bapak Widiatama Bunarto

4. To appoint Mr. Benny Purnomo back as President Director of the Company, Mr. Benny Helman, Mom and Dad Widiatama Nerfita Primasari Bunarto, each Director of the Company and Mrs. Tjit siat Fun as a Director of the Company which is in charge of Compliance Function to a new term starting from in the lid of this aGM until the closing of the Company’s annual General aGM held in 2020, without prejudice to the right of the General aGM of shareholders to dismiss them at any time before his term ended in accordance with the provisions of article 105 of the Company law;

5. Reaffirms Mr. Widiatama Bunarto as Independent Directors, pursuant to the roman V.4 Indonesia stock exchange regulation no.I-a of the registration of shares and equity In addition shares Issued by the listed Company which is an appendix I to Decision of the Board of PT. Indonesia stock exchange no.kep-00001/BeI/01- 2014 dated January 20, 2014, replacing Mr. sindbad rijadi Hardjodipuro the end of his tenure at the close of this aGM; Thus, the composition of the Company’s Board of Directors as of the closing of this aGM until the closing of the Company’s annual General aGM of shareholders held in 2020 are:

Board of Directors:President Director: Mr. Benny PurnomoDirector : Mr. Benny HelmanDirector : Mrs. Nerfita PrimasariCompliance Director : Mrs. Tjit siat FunIndependent Director : Mr. Widiatama Bunarto

Realisasi RUpST AgMS Realizationsperseroan telah merealisasikan: The Company has realized the following:

langsung berlaku. keputusan yang diambil dalam Mata acara 4 disetujui oleh 100% saham yang hadir pada saat rUPs Tahunan.

Immediately in effect. Decisions made for agenda 4 were given approval to by 100% shares represented during the aGMs

RAPAT uMuM PEMEGANG SAHAMGeneral Meeting of Shareholders

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Keputusan RUpST 28 April 2015 | AgMS Resolutions 28 April 2015Keputusan Mata Acara 5| Resolution of Agenda 51. Memberikan wewenang kepada Direksi Perseroan

dengan persetujuan Dewan komisaris Perseroan dalam menentukan akuntan Publik Independen Perseroan yang akan mengaudit laporan keuangan Perseroan untuk Tahun Buku yang berakhir pada tanggal 31 Desember 2015;

2. Pelimpahan wewenang kepada Direksi Perseroan untuk menetapkan besarnya jumlah honorarium dan persyaratan lain sehubungan dengan penunjukan akuntan Publik tersebut.

1. authorized the Board of Directors with the approval of the Board of Commissioners in determining the Company’s Independent Public accountant to audit the Company’s financial statements for the Fiscal Year ended December 31, 2015;

2. Delegated authority to the Board of Directors to determine the amount of the honorarium and other requirements relating to the appointment of the Public accountant.

Realisasi RUpST AgMS Realizationsperseroan telah merealisasikan: The Company has realized the following:

kuasa kepada Dewan komisaris Perseroan telah diberikan untuk menunjuk kantor akuntan publik osman Bing satrio & eny untuk memeriksa buku-buku Perseroan tahun buku yang berakhir pada tanggal 31 Desember 2015 dan Direksi Perseroan telah diberikan wewenang untuk menetapkan jumlah honorarium dan persyaratan lainnya mengenai pengangkatan kantor akuntan publik tersebut.

To authority has been granted to the Board of Commissioners to appoint the osman Bing satrio & eny registered Public accountants as auditors of the Company to audit for the accounting year ending 31st December 2015 and the Board of Directors had been authorized to set the remuneration and any other requirements of this appointment.

Keputusan Mata Acara 6 | Resolution of Agenda 6Melimpahkan wewenang kepada Dewan komisaris untuk menetapkan gaji dan tunjangan bagi anggota Direksi Perseroan dan untuk menetapkan besarnya honorarium bagi seluruh anggota Dewan komisaris Perseroan untuk tahun buku 2015 dengan memperhatikan saran/pendapat dari komite remunerasi.

Delegated authority to the Board of Commissioners to determine the salaries and allowances for members of the Company’s Board of Directors and to determine the honorarium for the Board of Commissioners for the Fiscal Year 2015 by taking into account the advice/opinion of the remuneration Committee.

Realisasi RUpST AgMS Realizationsperseroan telah merealisasikan: The Company has realized the following:

Dewan komisaris telah menentukan remunerasi bagi Direksi dan Dewan komisaris berdasarkan rekomendasi dari komite nominasi dan remunerasi.

the Board of Commissioners has determined the remuneration for the Board of Directors and the Board of Commissioners based on the recommendation from the nomination and remuneration Committee

Keputusan Mata Acara 7 | Resolution of Agenda 7Penyampaian realisasi penggunaan dana hasil Penawaran Umum Terbatas III Perseroan sesuai ketentuan Peraturan Bapepam no.x.k.4 lampiran dari surat keputusan ketua Bapepam no.kep 27/PM/2003 tanggal 17 Juli 2003.

submission of the realization of the use of proceeds from the Company’s limited Public offering III pursuant to Bapepam regulation no.x.k.4 attachment of Bapepam Chairman Decree letter no.kep 27/PM/2003 dated July 17, 2003.

Realisasi RUpST AgMS Realizationsperseroan telah merealisasikan: The Company has realized the following:

laporan realisasi penggunaan dana hasil Penawaran Umum Terbatas III telah disampalkan kepada otoritas Jasa keuangan (oJk) dan Bursa efek Indonesia (BeI) pada 15 Januari 2015.

The report of rights Issue III proceeds realization has already been submitted to the Financial services authority (oJk) and Bursa efek Indonesia (BeI) in January 2015.

RAPAT uMuM PEMEGANG SAHAMGeneral Meeting of Shareholders

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Keputusan RUpSLB 28 April 2015 l EgMS Resolutions 28 April 2015Keputusan Mata Acara 1 | Resolution of Agenda 11. Menyetujui untuk menegaskan kembali pemberian

wewenang dan kuasa kepada Direksi Perseroan dengan persetujuan Dewan komisaris Perseroan untuk mengeluarkan saham baru Perseroan terkait dengan pelaksanaan MesoP yang diterbitkan Perseroan;

2. Menyetujui pemberian wewenang dan kuasa kepada Direksi Perseroan untuk melakukan segala tindakan yang diperlukan sehubungan dengan pelaksanaan MesoP tersebut, termasuk tetapi tidak terbatas pada penyesuaian atas jumlah Hak opsi yang diterbitkan Perseroan dan harga pelaksanaan MesoP bilamana Perseroan melakukan tindakan korporasi (corporate action) yang dapat mengakibatkan perubahan nilai nominal saham, penggabungan usaha maupun bentuk-bentuk reorganisasi atau restrukturisasi Perseroan yang dapat mempengaruhi permodalan Perseroan.

1. Approved to reaffirm authorization to the Board of Directors with the approval of the Board of Commissioners to issue the Company’s new shares related to the implementation of MesoP issued by the Company;

2. approved authority to the Board of Directors to perform all necessary measures in connection with the MesoP implementation, including but not limited to adjustments to the number of option rights issued by the Company and the MesoP exercise price if the Company executed corporate actions which resulting in changes in the share’s nominal value, merger or other forms of Company’s reorganization or restructuring tha may affect the Company’s capital.

Realisasi RUpSLB EgMS Realizationsperseroan telah merealisasikan: The Company has realized the following:

Terealisasi Has been realized

Keputusan Mata Acara 2 | Resolution of Agenda 2 1. Menyetujui untuk menegaskan kembali persetujuan

penambahan modal Tanpa Hak Memesan efek Terlebih Dahulu dengan cara mengeluarkan setinggi-tingginya 10% sepuluh per seratus dari modal disetor Perseroan, masing-masing dengan nilai nominal rp100,- (seratus rupiah) per saham kepada investor-investor dengan memperhatikan ketentuan peraturan perundangundangan dan peraturan yang berlaku dibidang pasar modal khususnya PoJk no.38/PoJk.04/2014;

1. Approved the reaffirm the approval for increasing capital Without Pre-emptive rights by issuing a maximum of 10% (ten percent) of the Company’s paid-up capital, each with a nominal value of rp 100, - (one hundred rupiah) per share to the investors by considering the provisions of applicable laws and regulations in the capital market especially the Financial services authority no.38/ PoJk.04/2014;

RAPAT uMuM PEMEGANG SAHAMGeneral Meeting of Shareholders

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Keputusan RUpSLB 28 April 2015 l EgMS Resolutions 28 April 20152. Menyetujui untuk menegaskan kembali pemberian

wewenang dan kuasa kepada Direksi Perseroan dengan persetujuan Dewan komisaris Perseroan untuk melakukan segala tindakan yang diperlukan sehubungan dengan peningkatan modal Tanpa Hak Memesan efek Terlebih Dahulu tersebut di atas, termasuk tetapi tidak terbatas dalam menentukan jumlah saham dan harga pelaksanaan penambahan modal Tanpa Hak Memesan efek Terlebih Dahulu yang dianggap baik oleh Direksi, membuat dan/atau minta dibuatkan segala dokumen berkaitan dengan peningkatan modal tersebut serta meminta persetujuan dan/atau melaporkan serta melakukan pendaftaran yang diperlukan kepada pihak yang berwenang berkaitan dengan peningkatan modal Tanpa Hak Memesan efek Terlebih Dahulu, satu dan lain hal tanpa ada pengecualian dengan mengingat ketentuan peraturan perundang-undangan yang berlaku termasuk peraturan di bidang Pasar Modal.

2. Approved to reaffirm the authorization to the Board of Directors with the approval of the Board of Commissioners to perform all necessary measurements in connection with the capital increase Without Preemptive rights mentioned above, including but not limited to determine the number of shares and the exercise price of the additional capital Without Preemptive right that considered good by the Board of Directors, prepare and/or asked for all documents relating to the capital increase and ask for approval and/or report and make the necessary registration to the authorities relating to the capital increase Without Pre-emptive rights, one thing without any exception to the provisions of the legislation in force, including regulations in the capital market.

Realisasi RUpSLB EgMS Realizationsperseroan telah merealisasikan: The Company has realized the following:

Terealisasi Has been realized

Keputusan Mata Acara 3 | Resolution of Agenda 31. Menyetujui perubahan anggaran Dasar Perseroan

sehubungan dengan diberlakukannya Peraturan otoritas Jasa keuangan dan menyatakan kembali perubahan-perubahan anggaran Dasar Perseroan dengan detail susunan kalimat masing-masing pasal perubahannya sebagaimana tertuang dalam materi rapat yang telah dibagikan kepada para pemegang saham sebelum rapat ini;

2. Menyetujui pemberian kuasa kepada Direksi Perseroan dengan hak subtitusi, untuk menyatakan kembali keputusan rapat berkenaan dengan perubahan-perubahan anggaran Dasar Perseroan dalam akta notaris dan selanjutnya menyampaikan pemberitahuan dan/atau mengajukan permohonan persetujuan kepada pihak yang berwenang termasuk tetapi tidak terbatas pada kementerian Hukum dan Hak asasi Manusia republik Indonesia, mendaftarkannya dalam Tanda Daftar Perusahaan serta melakukan segala tindakan yang diperlukan sesuai dengan peraturan perundang-undangan di negara republik Indonesia.

1. approved the amendment of the Company’s article of association in connection with the application of the regulation of Financial services authority and reiterated changes to the articles of association with details of the sentence structure and every amendments, as set out in the Meeting materials that have been distributed to the shareholders prior to the Meeting;

2. approved the authorization to the Board of Directors with the substitution right, to restate the decision of the Meeting with regard to changes in the articles ofassociation in a notarial deed and then give notice and/ or to apply for approval to the relevant authorities, including but not limited to the Ministry of law and Human rights of the republic of Indonesia, register with the Company registry and perform all necessary actions in accordance with the legislation of the republic of Indonesia.

Realisasi RUpSLB EgMS Realizationsperseroan telah merealisasikan: The Company has realized the following:

Terealisasi Has been realized

RAPAT uMuM PEMEGANG SAHAMGeneral Meeting of Shareholders

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Keputusan RUpSLB 25 September 2015 l EgMS Resolutions 25 September 2015Keputusan Mata Acara Tunggal | Resolution of Sole AgendaMenyetujui penambahan modal Perseroan melalui mekanisme Hak Memesan efek Terlebih Dahulu (HMeTD) sesuai dengan ketentuan dalam Peraturan Bapepam Ix.D.1 tentang Hak Memesan efek Terlebih Dahulu, lampiran keputusan ketua Bapepam no.keP-26/PM/2003 tanggal 17 Juli 2003, dengan rincian bahwa penambahan modal disetor dan ditempatkan Perseroan dengan jumlah sebanyak-banyaknya 6.744.407.924 (enam miliar tujuh ratus empat puluh empat juta empat ratus tujuh ribu sembilan ratus dua puluh empat) saham baru dengan nilai nominal rp100 (seratus rupiah) setiap saham dengan harga pelaksanaan rp100 (seratus rupiah) setiap saham serta menyetujui pemberian wewenang dan kuasa kepada Direksi Perseroan dengan persetujuan Dewan komisaris Perseroan untuk mengeluarkan saham-saham baru Perseroan dan untuk melakukan segala tindakan yang diperlukan sehubungan dengan pelaksanaan HMeTD yang diterbitkan Perseroan dalam rangka pelaksanaan Penawaran Umum Terbatas IV.

approved the Company’s capital increase through the mechanism of Pre-emptive rights (er) in accordance with the provisions of Bapepam regulation Ix.D.1 about Preemptive rights, attachment of Bapepam Chairman Decree no.keP-26/PM/2003 dated July 17, 2003, with details that the capital increase the Company’s issued and paid up was amounting to 6,744,407,924 (six billion, seven hundred and forty-four million four hundred seven thousand nine hundred twenty four) new shares with a nominal value of rp100 (one hundred rupiah) per share at a price execution of rp100 (one hundred rupiah) per share and approved the authority and power of the Board of Directors with the approval of the Company’s Board of Commissioners to issue the Company’s new shares and to perform all acts necessary in connection with the exercise of Pre-emptive rights issued by the Company in the framework of limited Public offering IV.

Realisasi RUpSLB EgMS Realizationsperseroan telah merealisasikan: The Company has realized the following:

Terealisasi Has been realized

pELAKSANAAN RUpS TAHUNAN 2016rUPsT 2016 untuk tahun buku 2015 diselenggarakan pada hari selasa tanggal 3 Mei 2016, bertempat di MnC Tower, auditorium lantai B2 Jl. kebon sirih no.17 – 19 Jakarta Pusat . rapat dibuka pada pukul 10.25 WIB dan ditutup pada pukul – 11.24 WIB.

rUPsT dihadiri seluruh anggota Dewan komisaris, Direksi sebagai berikut:

Dewan komisaris· Bapak Bambang ratmanto selaku Presiden

komisaris (merangkap komisaris Independen) · Bapak Purnadi Harjono selaku komisaris · Bapak eko B. supriyanto selaku komisaris

Independen

RAPAT uMuM PEMEGANG SAHAMGeneral Meeting of Shareholders

ANNUAL gMS IMpLEMENTATIoN IN 2016The Company convened the 2016 annual GMs for the financial year 2015 on Tuesday, 3 May 2016 at MNC Tower, auditorium lantai B2 Jl. kebon sirih no.17 – 19 Jakarta Pusat The Meeting was opened at 10.25 WIB and adjourned at 11.24 WIB.

The aGMs was attended by the following members of the Board of Commissioners, the Board of Directors :

Board of Commmisioners · Mr. Bambang ratmanto, President Commissioner

(also an Independent Commissioner) · Mr. Purnadi Harjono, Commissioner· Mr. eko B. supriyanto Independent Commissioner

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Direksi · Bapak Benny Purnomo selaku Presiden Direktur.· Bapak Benny Helman selaku Direktur · Ibu Nerfita Primasari selaku Direktur · Bapak Widiatama Bunarto selaku Direktur

pemenuhan Kuorum RUpSrUPs dihadiri oleh Pemegang saham atau kuasa para Pemegang saham Perseroan yang sah berjumlah 15.936.531.321 saham atau sama dengan 83,21% dari jumlah seluruh 19.129.563.072 saham yang mempunyai hak suara yang sah.

rUPsT telah diselenggarakan dengan tata cara, mata acara, hasil dan realisasi berikut:

Tata cara penyelenggaraan RUpS TahunanProcedure for the Implementation of aGMs

TanggalDate

perihalsubject

pengumuman kepada publikPublic Notification

17.03.2016 Pemberitahuan rencana rUPsT kepada oJk dan lembaga pasar modal lainnyaThe notice of aGMs to the Fsa and other capital market institutions

24.03.2016 Pengumuman di surat kabarannouncement in Daily newspapers

Harian sindo; situs web/ Website: Bursa efek; situs web/ Website: www.mncbank.co.id

11.04.2016 Pemanggilan di surat kabarInvitation in 2 Daily newspapers

Harian sindo; situs web/ Website: Bursa efek; situs web/ Website: www.mncbank.co.id

09.05.2016 Penyampaian ringkasan risalah rUPsTkepada oJk dan lembaga Pasar Modal lainnyaThe delivery of the Company’s Minutes of the annual General Meeting to the Fsa and other Capital Market Institutions

Harian [*]; situs web/ Website: Bursa efek; situs web/ Website: www.mncbank.co.id

RUpST 2016 3 Mei 2016 | 2016 aGMs – 3 May 2016

Mata Acara 1 | 1st agenda

laporan Tahunan Direksi Perseroan dan laporan Tugas Pengawasan Dewan komisaris untuk tahun buku yang berakhir pada tanggal 31 Desember 2015.

Board of Directors annual report and supervisory Report of the Board of Commissionersfor the financial year ended December 31, 2015.

Kuorum | Quorum

Tidak setujuagainst

Abstain SetujuFor

Total Suara SetujuTotal approving Vote

0 0 15.936.531.321 saham 15.936.531.321 saham

Keputusan Rapat | resolutions

Menyetujui dan menerima baik laporan Tahunan Direksi dan laporan Tugas Pengawasan Dewan komisaris Perseroan untuk tahun buku yang berakhir pada tanggal 31 Desember 2015.

approved the annual report of the Board of Directors and supervisory report of the Board of Commissioners of the Company for the fiscal year ended December 31, 2015.

Realisasi | realization

Board of Directors · Mr. Benny Purnomo, President Director.· Mr. Benny Helman, Director· Ms. Nerfita Primasari, Director· Mr. Widiatama Bunarto, Director.

Quorum The Meeting was attended by representing 15,936,531,321 shares with valid voting rights, equivalent to 83.31% of the 19,129,563,072 shares with valid voting rights issued by the Company

The aGMs was held with the following procedures, agenda, results and realizations:

RAPAT uMuM PEMEGANG SAHAMGeneral Meeting of Shareholders

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Laporan Tata Kelola perusahaanCorporate Governance report

RUpST 2016 3 Mei 2016 | 2016 aGMs – 3 May 2016

Mata Acara 1 | 1st agenda

Telah selesai dilaksanakan laporan Tahunan telah disampalkan kepada otoritas Jasa keuangan (oJk) dan Bursa efek Indonesia (BeI) pada april 11, 2016.

Completed.The annual report has been submitted to the Financial services authority (oJk) and Bursa efek Indonesia (BeI) on 11 april 2016.

Mata Acara 2 | 2nd agenda

Persetujuan dan Pengesahan laporan keuangan Perseroan untuk tahun buku yang berakhir pada tanggal 31 Desember 2015, serta memberikan pembebasan tanggung jawab sepenuhnya kepada Dewan komisaris dan Direksi atas tindakan pengawasan dan pengurusan yang mereka lakukan dalam tahun buku yang berakhir pada tanggal 31 Desember 2015 (acquit et de charge).

Approval and ratification of the Company’s Financial Report for the financial year ended December 31, 2015, and the granting release and discharge the responsibility of all members of the Board of Commissioners and Board of Directors of the Company for their supervision and management during the financial year ended December 31, 2015 (acquit et de charge).

Kuorum | Quorum

Tidak setujuagainst

Abstain SetujuFor

Total Suara SetujuTotal approving Vote

0 0 15.936.531.321 saham 15.936.531.321 saham

Keputusan Rapat | resolutions

Menyetujui dan mengesahkan laporan keuangan Perseroan untuk tahun buku yang berakhir pada tanggal 31 Desember 2015, serta memberikan pelunasan dan pembebasan tanggung jawab sepenuhnya (acquit et de charge) kepada Dewan komisaris Perseroan atas tindakan pengawasan dan Direksi Perseroan (termasuk Ibu Tjit siat Fun yang telah mengundurkan diri pada tanggal 29 Desember 2015) atas pengurusan yang mereka lakukan dalam tahun buku yang berakhir pada tanggal 31 Desember 2015, sejauh tindakan tersebut tercermin dalam laporan Tahunan dan laporan keuangan Perseroan tahun buku 2015 tersebut, kecuali untuk perbuatan penggelapan, penipuan dan tindak pidana lainnya.

Approve the Financial Statements for the financial year ended on December 31, 2015, as well as providing release and discharge full responsibility (acquit et de charge) to the Board of Commissioners on policing and the Board of Directors of the Company (including Mrs. Tjit siat Fun who have quit down on December 29, 2015) on the management they did in the fiscal year ended on December 31, 2015, to the extent such actions are reflected in the Annual Report and Financial Statements for the fiscal year 2015, except for embezzlement, fraud and other criminal acts

Realisasi | realization

Telah selesai dilaksanakan langsung berlaku.

Completed.Immediately in effect.

Mata Acara 3 | 3rd agenda

Penetapan penggunaan laba/rugi Perseroan untuk tahun buku 2015.

Approval of use of the Company’s profit / loss for the financial year 2015.

Kuorum | Quorum

Tidak setujuagainst

Abstain SetujuFor

Total Suara SetujuTotal approving Vote

0 0 15.936.531.321 saham 15.936.531.321 saham

Keputusan Rapat | resolutions

RAPAT uMuM PEMEGANG SAHAMGeneral Meeting of Shareholders

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Mata Acara 3 | 3rd agenda

Menetapkan tidak ada pembagian dividen kepada para pemegang saham Perseroan untuk tahun buku 2015.

resolved that no dividend distribution to the shareholders of the Company for the financial year 2015.

Realisasi | realization

Telah selesai dilaksanakan langsung berlaku.

Completed.Immediately in effect.

Mata Acara 4 | 4th agenda

Penunjukan akuntan Publik Independen untuk mengaudit buku- buku Perseroan untuk tahun buku yang akan berakhir pada tanggal 31 Desember 2016 dan pemberian wewenang kepada Direksi Perseroan untuk menetapkan honorarium akuntan Publik tersebut serta persyaratan lain penunjukannya.

appointment of the registered Public accountant to audit the Company’s books for the financial year ended December 31, 2016 and granting authority to the Board of Directors todetermine the feesof the Public accountant and other requirements appointment’s reguirements.

Kuorum | Quorum

Tidak setujuagainst

Abstain SetujuFor

Total Suara SetujuTotal approving Vote

0 0 15.936.531.321 saham 15.936.531.321 saham

Keputusan Rapat | resolutions

1. Memberikan wewenang kepada Direksi Perseroan dengan persetujuan Dewan komisaris Perseroan untuk menentukan akuntan Publik Independen Perseroan yang akan mengaudit laporan keuangan Perseroan untuk tahun buku yang berakhir pada tanggal 31 Desember 2016;

2. Pelimpahan wewenang kepada Direksi Perseroan untuk menetapkan besarnya jumlah honorarium dan persyaratan lain sehubungan dengan penunjukan akuntan Publik.

1. To authorize the Board of Directors with the approval of the Board of Commissioners to determine the Company's Independent Public Accountant to audit the financial statements for the fiscal year ended December 31, 2016;

2. Delegation of authority to the Board of Directors to determine the amount of the honorarium and other requirements relating to the appointment of a Public accountant.

Realisasi | realization

Telah selesai dilaksanakan. kuasa kepada Dewan komisaris Perseroan telah diberikan untuk menunjuk kantor akuntan publik satrio Bing eny & rekan untuk memeriksa buku-buku Perseroan tahun buku yang berakhir pada tanggal 31 Desember 2016 dan Direksi Perseroan telah diberikan wewenang untuk menetapkan jumlah honorarium dan persyaratan lainnya mengenai pengangkatan kantor akuntan publik tersebut.

Completed.To authority has been granted to the Board of Commissioners to appoint the satrio Bing eny & Partner registered Public accountants as auditors of the Company to audit for the accounting year ending 31st December 2016 and the Board of Directors had been authorized to set the remuneration and any other requirements of this appointment.

Mata Acara 5 | 5th agenda

Perubahan susunan pengurus Perseroan. approval of the changes in the composition of the board of the Company.

Kuorum | Quorum

Tidak setujuagainst

Abstain SetujuFor

Total Suara SetujuTotal approving Vote

0 0 15.936.531.321 saham 15.936.531.321 saham

Keputusan Rapat | resolutions

RAPAT uMuM PEMEGANG SAHAMGeneral Meeting of Shareholders

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Mata Acara 5 | 5th agenda

1. Menegaskan pengunduran diri ibu Tjit siat Fun sebagai Direktur kepatuhan Perseroan sesuai surat pengunduran dirinya tertanggal 28 september 2015 yang berlaku efektif sejak tanggal 29 Desember 2015.

2. Menyetujui dan menerima pengunduran diri Bapak Bambang ratmanto dari jabatannya selaku Presiden komisaris merangkap komisaris Independen Perseroan, terhitung sejak penutupan rapat ini dengan ucapan terima kasih dari Perseroan atas kontribusi yang telah diberikan.

1. Reaffirm the resignation mother Tjit Siat Fun as Compliance Director of the Company corresponding letter of resignation dated september 28, 2015 and became effective on December 29, 2015.

2. To approve and accept the resignation of Mr. Bambang ratmanto from his position as President Commissioner and Independent Commissioner of the Company, effective as of the closing of the Meeting of the Company’s gratitude for the contribution that has been given.

3. Menyetujui pengangkatan Bapak eko Budi supriyanto yang semula menjabat sebagai komisaris Independen Perseroan menjadi Presiden komisaris merangkap komisaris Independen Perseroan dan menyetujui pengangkatan Bapak rusli Witjahjono sebagai komisaris Independen Perseroan yang baru, masing- masing akan berlaku efektif terhitung sejak tanggal yang ditetapkan dalam surat persetujuan dari otoritas Jasa keuangan dan/atau terpenuhinya persyaratan yang ditetapkan dalam surat otoritas Jasa keuangan, sampai dengan penutupan rapat Umum Pemegang saham Tahunan Perseroan yang akan diselenggarakan pada tahun 2018, apabila persyaratan yang ditetapkan oleh otoritas Jasa keuangan sehubungan dengan pengangkatan Bapak eko Budi supriyanto dan Bapak rusli Witjahjono tidak terpenuhi atau otoritas Jasa keuangan tidak memberikan persetujuannya, maka pengangkatan tersebut menjadi batal tanpa diperlukan persetujuan rapat Umum Pemegang saham.

sehingga dengan demikian terhitung sejak ditutupnya rapat, susunan anggota Dewan komisaris Perseroan adalah sebagai berikut:komisaris: Bapak Purnadi Harjonokomisaris Independen: Bapak eko B. supriyanto

Dan terhitung sejak diperolehnya persetujuan dan/atau terpenuhinya persyaratan dari otoritas Jasa keuangan atas pengangkatan Bapak eko B. supriyanto sebagai Presiden komisaris merangkap komisaris Independen dan Bapak rusli Witjahjono sebagai komisaris Independen Perseroan, susunan selengkapnya anggota Dewan komisaris Perseroan sampai dengan penutupan rUPs Tahunan Perseroan yang akan diselenggarakan pada tahun 2018 menjadi sebagai berikut:

• Presiden komisaris merangkap komisaris Independen: Bapak eko Budi supriyanto

• komisaris: Bapak Purnadi Harjono• komisaris Independen: Bapak rusli Witjahjono

3. approved the appointment of Mr. eko Budi supriyanto which originally served as Independent Commissioner President Commissioner and Independent Commissioner of the Company and approve the appointment of Mr. rusli Witjahjono as a new Independent Commissioner, each of which will be effective as of the date specified in the letter of Financial services authority and / or the fulfillment of the requirements set forth in the letter of authority Financial services, until the closing of the General Meeting of shareholders of the Company to be held in 2018, if the requirements set by the Financial services authority in connection with the appointment of Mr. eko Budi supriyanto and Mr. rusli Witjahjono not met or the Financial services authority did not give consent, then such appointment be canceled without the required approval of the General Meeting of shareholders.

Thus starting from the closing of the Meeting, the Board of Commissioners of the Company are as follows:Mr. Purnadi Harjono: CommissionerMr. eko B. supriyanto: IndependentCommissioner

And starting from approvals and / or fulfill the requirements of the Financial services authority on the appointment of Mr. eko B. supriyanto as President Commissioner and Independent Commissioner and Mr. rusli Witjahjono as Independent Commissioner, structure of the Members of the Board of Commissioners of the Company until the closing of the annual General Meeting of the Company to be held in 2018 to be as follows:

• Chairman concurrently Independent Commissioner: Mr. eko Budi supriyanto.

• Commissioner: Mr. Purnadi Harjono.• Independent Commissioner: Mr. rusli

Witjahjono

RAPAT uMuM PEMEGANG SAHAMGeneral Meeting of Shareholders

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Mata Acara 5 | 5th agenda

4. Menyetujui pengangkatan Ibu Chisca Mirawati sebagai Direktur yang membawahkan Fungsi kepatuhan Perseroan yang baru, dengan masa jabatan yang akan berlaku efektif terhitung sejak tanggal yang ditetapkan dalam surat persetujuan dari otoritas Jasa keuangan dan/atau terpenuhinya persyaratan yang ditetapkan dalam surat otoritas jasa keuangan, sampai dengan penutupan rapat Umum Pemegang saham Tahunan Perseroan yang akan diselenggarakan pada tahun 2020. apabila persyaratan yang ditetapkan oleh otoritas Jasa keuangan sehubungan dengan pengangkatan Ibu Chisca Mirawati tidak terpenuhi atau otoritas Jasa keuangan tidak memberikan persetujuannya, maka pengangkatan tersebut menjadi batal tanpa diperlukan persetujuan rapat Umum Pemegang saham.

selanjutnya terhitung sejak diperolehnya persetujuan dan/atau terpenuhinya persyaratan dari otoritas Jasa keuangan atas pengangkatan Ibu Chisca Mirawati sebagai Direktur kepatuhan Perseroan, susunan selengkapnya anggota Direksi Perseroan sampai dengan penutupan rUPs Tahunan Perseroan yang akan diselenggarakan pada tahun 2020 menjadi sebagai berikut:- Presiden Direktur: Bapak Benny Purnomo- Direktur: Bapak Benny Helman- Direktur: Ibu Nerfita Primasari- Direktur Independen: Bapak Widiatama Bunarto- Direktur membawahkan fungsi kepatuhan: Ibu

Chisca Mirawati

5. Menyetujui melimpahkan wewenang kepada Dewan komisaris untuk menetapkan gaji dan tunjangan bagi seluruh anggota Direksi Perseroan dan untuk menetapkan besarnya honorarium bagi seluruh anggota Dewan komisaris Perseroan untuk tahun buku 2016 dengan memperhatikan saran/pendapat dari komite nominasi dan remunerasi.

6. Menyetujui pemberian kuasa kepada Direksi Perseroan dengan hak subtitusi, untuk menyatakan kembali keputusan rapat berkenaan dengan perubahan susunan anggota Dewan komisaris dan Direksi Perseroan dalam akta notaris dan selanjutnya menyampaikan pemberitahuan kepada pihak yang berwenang, mendaftarkannya dalam Tanda Daftar Perusahaan serta melakukan segala tindakan yang diperlukan sesuai dengan peraturan perundang- undangan di negara republik Indonesia.

4. approved the appointment of Mrs. Chisca Mirawati as Director in charge of the Company's new Compliance Function, with a term of office which will be effective as of the date specified in the letter of approval from the Financial services authority and / or the fulfillment of the requirements set forth in the letter of the Financial services authority, to with the closure of the General Meeting of shareholders of the Company to be held in 2020. If the requirements set by the Financial services authority in connection with the appointment of Ms. Chisca Mirawati not met or the Financial services authority did not give consent, then such appointment be canceled without the required approval of the General Meeting of shareholders stock.

Furthermore, starting from approvals and / or fulfill the requirements of the Financial services authority on the appointment of Ms. CHIsCa MIraWaTI as Compliance Director of the Company, the composition of the Members of the Board of Directors until the closing of the annual General Meeting of the Company to be held in 2020 to be as follows:- President Director: Mr. Benny Purnomo- Director: Mr. Benny Helman- Director: Mrs. Nerfita Primasari- Independent Director: Mr. Widiatama Bunarto- Director in charge of the functions of

Compliance: Mrs. Chisca Mirawati

5. approve the delegation of authority to the Board of Commissioners to determine the salaries and benefits for all members of the Board of Directors and to determine the honorarium for the Board of Commissioners of the Company for the fiscal year 2016, with attention to the advice / opinion of the nomination and remuneration Committee.

6. Provided power and authority to the Board of Directors with the right of substitution, to perform all necessary actions to restate the Meeting decisions regarding the changes in the composition of the Board of Directors and Board of Commissioner in a notarial Deed and furthermore submit notification to the relevant authorities, register in the Company registry and perform all necessary actions in accordance with the prevailing laws and regulations of the republic of Indonesia.

Realisasi | realization

Telah selesai dilaksanakan langsung berlaku.

Completed.Immediately in effect.

RAPAT uMuM PEMEGANG SAHAMGeneral Meeting of Shareholders

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Mata Acara 6 | 6th agenda

Penyampaian realisasi penggunaan dana hasil Penawaran Umum Terbatas IV Perseroan sesuai dengan PoJk no.30/PoJk.04/2015 tentang laporan realisasi Penggunaan Dana Hasil Penawaran Umum (PoJk no.30/PoJk.04/2015).

submission ofthe realization of the use of proceeds from the rights Issue IV of the Company pursuant to PoJk no.30/PoJk.04/2015 regarding report on Utilization of Proceeds from Public offering (PoJk no.30/PoJk.04/2015).

Realisasi | realization

Mata acara bersifat pemberitahuan. Tidak ada keputusan rapat.

notice only. no decision made by the GMs.

pelaksanaan RUpS Luar Biasa 2016MnC Bank menyelenggarakan 3 (tiga) kali rUPslB sebagai berikut:

RUpSLB 2016 - 3 Mei 2016 | 2016 eGM – 3 May 2016

rUPslB bertempat di MnC Tower, auditorium lantai B2, Jl. kebon sirih no.17 – 19 Jakarta Pusat . rapat dibuka pada pukul 11.39 WIB dan ditutup pada pukul – 12.06 WIB.

rUPslB dihadiri seluruh anggota Dewan komisaris, Direksi sebagai berikut :

Dewan komisaris· Bapak Purnadi Harjono selaku komisaris · Bapakeko B. supriyanto selaku komisaris

Independen

Direksi · Bapak Benny Purnomo selaku Presiden Direktur.· Bapak Benny Helman selaku Direktur · Ibu Nerfita Primasari selaku Direktur · Bapak Widiatama Bunarto selaku Direktur

pemenuhan Kuorum RUpSrUPs dihadiri oleh Pemegang saham atau kuasa para Pemegang saham Perseroan yang sah berjumlah 15.936.531.321 saham atau sama dengan 83,21% dari jumlah seluruh 19.129.563.072 saham yang mempunyai hak suara yang sah.

rUPsT telah diselenggarakan dengan tata cara, mata acara, hasil dan realisasi berikut:

The eGMs held at MnC Tower, auditorium lantai B2 Jl. kebon sirih no.17 – 19 Jakarta Pusat The Meeting was opened at 11.39 WIB and adjourned at 12.06 WIB.

The eGMs was attended by the following members of the Board of Commissioners, the Board of Directors :

Board of Commmisioners · Mr. Purnadi Harjono, Commissioner · Mr. eko B. supriyanto, Independent Commissioner

Board of Directors · Mr. Benny Purnomo, President Director.· Mr. Benny Helman, Director· Ms. Nerfita Primasari, Director· Mr. Widiatama Bunarto, Director.

Quorum The Meeting was attended by representing 15,936,531,321 shares with valid voting rights, equivalent to 83.31% of the 19,129,563,072 shares with valid voting rights issued by the Company

The aGMs was held with the following procedures, agenda, results and realizations:

Extraordinary gMS Implementation in 2016MnC Bank convened 3 (three) eGMs as follows:

RAPAT uMuM PEMEGANG SAHAMGeneral Meeting of Shareholders

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Mata Acara 1 | 1st agenda

Persetujuan penerbitan dan pelaksanaan Management and employee stock option Program (MesoP) baru oleh Perseroan.

approval of the issuance and implementation of the Management and employee stock option Program (MesoP) by the Company.

Kuorum | Quorum

Tidak setujuagainst

Abstain SetujuFor

Total Suara SetujuTotal approving Vote

0 0 15.936.531.321 saham 15.936.531.321 saham

Keputusan Rapat | resolutions

1. Menyetujui penerbitan Management and Employee Stock Option Program “MESOP”) sebanyak-banyaknya 286.943.446 saham dengan nilai nominal rp100,- (seratus rupiah) atau 1,5% (satu koma 5 per seratus) dari modal ditempatkan Perseroan yang akan dikeluarkan secara bertahap dengan memperhatikan ketentuan peraturan perundang-undangan yang berlaku;

2. Menyetujui pemberian wewenang dan kuasa kepada Direksi Perseroan dengan persetujuan Dewan komisaris Perseroan untuk mengeluarkan saham baru Perseroan terkait dengan pelaksanaan MesoP yang diterbitkan Perseroan serta menyetujui pemberian wewenang dan kuasa kepada DIreksi Perseroan untuk melakukan tindakan yang diperlukan sehubungan dengan pelaksanaan MesoP tersebut termasuk tetapi tidak terbatas pada penyesuaian atas jumlah Hak opsi yang diterbitkan Perseroan dan harga pelaksanaan MesoP bilamana Perseroan melakukan tindakan korporasi (corporate action) yang dapat mengakibatkan perubahan nilai nominal sahan penggabungan usaha maupun bentuk reorganisasi atau restrukturisasi Perseroan yang dapat mempengaruhi permodalan Perseroan

1. To approve the issuance of Management and employee stock option Program ("option Programme") maximum of 286 943 446 shares with nominal value of rp100,- or 1.5% of the issued capital of the Company to be issued gradually to the provisions of applicable legislation;

2. To approve the granting authority and authorize the Board of Directors with the approval of the Board of Commissioners to issue new shares of the Company related to the implementation of the Company's issued MesoP, as well as to approve and authorize the Board of Directors authorized the Company to perform all acts necessary in connection with the execution of the MesoP, including but not limited to adjustments to the number of option rights issued by the Company and the exercise price of the MesoP if the Company conduct corporate actions that may cause changes in the nominal value of shares, merger or other forms of reorganization or restructuring of the Company that may affect the Company's capital.

Realisasi | RealizationTelah selesai dilaksanakan Completed.

Mata Acara 2 | 2nd agenda

Persetujuan penambahan modal Perseroan sebanyak-banyaknya sebesar 10% (sepuluh persen) dari modal disetor melalui mekanisme Penambahan Modal Tanpa Hak Memesan efek Terlebih Dahulu dengan memperhatikan ketentuan peraturan perundang-undangan dan peraturan yang berlaku di bidang pasar modal khususnya PoJk no.38/PoJk.04/2014 tentang Penambahan Modal Perusahaan Terbukan Tanpa Hak Memesan efek Terlebih Dahulu.

approval of the Company capital increaseas much as 10% (ten percent) of the paid-up capital through mechanisms Capital Increase Without Preemptive rights with regard to the provisions of legislation and regulations in the field of capital markets in particular, especially POJK no.38/POJK.04/2014 (“POJK no.38/2014”).

Kuorum | Quorum

Tidak setujuagainst

Abstain SetujuFor

Total Suara SetujuTotal approving Vote

0 0 15.936.531.321 saham 15.936.531.321 saham

Keputusan Rapat | resolutions

RAPAT uMuM PEMEGANG SAHAMGeneral Meeting of Shareholders

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Laporan Tata Kelola perusahaanCorporate Governance report

Mata Acara 2 | 2nd agenda

1. Menyetujui pelaksanaan Penambahan Modal Tanpa Hak Memesan efek Terlebih Dahulu dengan cara mengeluarkan sebanyak-banyaknya 1.912.956.307 saham atau 10% (sepuluh per seratus) dari modal disetor Perseroan masig-masing dengan nilai nominal rp. 100,- (seratus rupiah) per lembar saham yang mencakup saham yang akan dikeluarkan untuk MesoP sebanyak-banyaknya 286.943.446 saham dengan nilai nominal rp.100,- (seratus rupiah) atau 1,5% dari seluruh saham yang telah ditempatkan dan disetor penuh dalam Perseroan serta untuk Penambahan Modal Tanpa HMeTD non MesoP sebanyak-banyaknya 1.626.012.861' saham dengan nilai nominal rp.100,- (seratus rupiah) atau 8,5% dari seluruh saham yang telah ditempatkan dan disetor penuh dalam Perseroan dengan memperhatikan ketentuan PoJk no.38/PoJk.04/2014 tentang Penambahan Modal Perusahaan Terbuka Tanpa Hak Memesan efek Terlebih Dahulu

2. Menyetujui pemberian wewenang dan kuasa kepada Direksi Perseroan dengan persetjuan Dewan komisaris Perseroan untuk mengeluarkan saham–saham baru Perseroan dan untuk melakukan segala tindakan yang diperlukan sehubungan dengan pelaksanaan Penambahan Modal Tanpa Hak Memesan efek Terlebih Dahulu tersebut.

1. To approve the implementation of the Capital Increase Without Preemptive rights by issuing a maximum of 1,912,956,307 shares or 10% of the paid up capital of the Company, each with a nominal value of rp100, - per share which includes stock that will be issued to as MesoP - 286 943 446 shares with nominal value of rp100,- or 1.5% of the paid up capital of the Company and for Capital Increases Without rights non MesoP as much as 1,626,012,861 shares with a value of rp100,- or 8.5% of paid up capital of the Company with regard to the provisions of the Financial services authority regulation no.38 / PoJk.04 / 2014 regarding Public Company Capital Increase Without Preemptive rights;

2. To approve the granting authority and authorize the Board of Directors with the approval of the Board of Commissioners to issue new shares of the Company and to perform all acts necessary in connection with the implementation of the Capital Increase Without Preemptive rights.

Realisasi | realization

Telah selesai dilaksanakan Completed.

RUpSLB 2016 - 24 Juni 2016 | 2016 eGM – 24 June 2016

rUPslB diselenggarakan di MnC Tower, auditorium lantai B2 Jl. kebon sirih no.17 – 19 Jakarta Pusat . rapat dibuka pada pukul 14.40 WIB dan ditutup pada pukul 14.45 WIB.

rUPslB dihadiri seluruh anggota Dewan komisaris, Direksi sebagai berikut :

Dewan komisaris· Bapak Purnadi Harjono selaku komisaris · Bapak eko B. supriyanto selaku komisaris

Independen

Direksi · Bapak Benny Purnomo, Presiden Direktur· Bapak Benny Helman, Direktur · Ibu Nerfita Primasari, Direktur · Bapak Widiatama Bunarto, Direktur

pemenuhan Korum RUpSTidak terpenuhi

rUPslB telah diselenggarakan dengan tata cara, mata acara, hasil dan realisasi berikut:

The Company convened eGMs at MnC Tower, auditorium lantai B2 Jl. kebon sirih no.17 – 19 Jakarta Pusat The Meeting was opened at 14.40 WIB and adjourned at 14.45 WIB.

The eGMs was attended by the following members of the Board of Commissioners, the Board of Directors :

Board of Commmisioners · Mr. Purnadi Harjono, Commissioner · Mr. eko B. supriyanto, Independent Commissioner

Board of Directors · Mr. Benny Purnomo, President Director· Mr. Benny Helman, Director· Ms. Nerfita Primasari, Director· Mr. Widiatama Bunarto, Director

Quorum Not fulfilled

The eGMs was held with the following procedures, agenda, results and realizations:

RAPAT uMuM PEMEGANG SAHAMGeneral Meeting of Shareholders

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RUpSLB 2016 - 24 Juni 2016 | 2016 eGM – 24 June 2016

TanggalDate

perihalsubject

pengumuman kepada publikPublic Notification

09.05.2016 Pemberitahuan rencana rUPsT kepada oJk dan lembaga pasar modal lainnyaThe notice of aGMs to the Fsa and other capital market institutions

18.05.2016 Pengumuman di surat kabarannouncement in Daily newspapers

Harian sindo; situs web/ Website: Bursa efek; situs web/ Website: www.mncbank.co.id

02.06.2016 Pemanggilan di surat kabarInvitation in 2 Daily newspapers

Harian sindo; situs web/ Website: Bursa efek; situs web/ Website: www.mncbank.co.id

Mata Acara Rapat Tunggal | sole agenda

Persetujuan penambahan modal Perseroan melalui mekanisme Hak Memesan efek Terlebih Dahulu (HMeTD) sesuai PoJk no.32/PoJk.04/2015 tentang Penambahan Modal Perusahaan Terbuka Dengan Memberikan Hak Memesan efek Terlebih Dahulu.

approval of the capital increase of the Company through Pre-emptive right procedure, in accordance with Financial services authority regulation (PoJk) no.32/PoJk.04/2015 on the Increase of Capital for Public Company With Provides Pre-emptive rights.

Kuorum Kehadiran | attendance Quorum

Tidak terpenuhi. not met.

RUpSLB 2016 - 15 Juli 2016 | 2016 eGM – 15 July 2016

rUPslB diselenggarakan di MnC Tower, auditorium lantai B2 Jl. kebon sirih no.17 – 19 Jakarta Pusat . rapat dibuka pada pukul 14.26 WIB dan ditutup pada pukul 14.58 WIB.

rUPslB dihadiri seluruh anggota Dewan komisaris, Direksi sebagai berikut :

Dewan komisaris· Bapak eko B. supriyanto selaku komisaris

Independen

Direksi · Bapak Benny Purnomo selaku Presiden Direktur.· Ibu Nerfita Primasari selaku Direktur · Ibu Chisca Mirwati selaku Direktur kepatuhan

pemenuhan Korum RUpSrUPs dihadiri oleh Pemegang saham atau kuasa para Pemegang saham Perseroan yang sah berjumlah 16.212.310.957 saham atau sama dengan 84.75% dari jumlah seluruh 19.129.563.072 saham yang mempunyai hak suara yang sah.

rUPslB telah diselenggarakan dengan tata cara, mata acara, hasil dan realisasi berikut:

The Company convened eGMs at MnC Tower, auditorium lantai B2 Jl. kebon sirih no.17 – 19 Jakarta Pusat The Meeting was opened at 14.26 WIB and adjourned at 14.58 WIB.

The eGMs was attended by the following members of the Board of Commissioners, the Board of Directors :

Board of Commissioners- Mr. eko B. supriyanto, Independent Commissioner.

Board of Directors- Mr. Benny Purnomo, President Director- Mrs. Nerfita Primasari, Director.- Mrs. Chisca Mirwati, Compliance Director.

Quorum The Meeting was attended by representing 16.212.310.957 shares with valid voting rights, equivalent to 84.75% of the 19,129,563,072 shares with valid voting rights issued by the Company;

The eGMs was held with the following procedures, agenda, results and realizations:

RAPAT uMuM PEMEGANG SAHAMGeneral Meeting of Shareholders

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RUpSLB 2016 - 15 Juli 2016 | 2016 eGM – 15 July 2016

TanggalDate

perihalsubject

pengumuman kepada publikPublic Notification

09.05.2016 Pemberitahuan rencana rUPsT kepada oJk dan lembaga pasar modal lainnyaThe notice of annual General Meeting to the Fsa and other capital market institutions

18.05.2016 Pengumuman di surat kabarannouncement in Daily newspapers

Harian sindo; situs web/ Website: Bursa efek; situs web/ Website: www.mncbank.co.id

02.06.2016 dan/and

01.07.2016

Pemanggilan di surat kabarInvitation in 2 Daily newspapers

Harian sindo; situs web/ Website: Bursa efek; situs web/ Website: www.mncbank.co.id

24 .06.2016 Penyampaian ringkasan risalah rUPsTkepada oJk dan lembaga Pasar Modal lainnyaThe delivery of the Company’s Minutes of the annual General Meeting to the Fsa and other Capital Market Institutions

Harian sindo; situs web/ Website: Bursa efek; situs web/ Website: www.mncbank.co.id

Mata Acara Rapat Tunggal | sole agenda

Persetujuan penambahan modal Perseroan melalui Hak Memesan efek Terlebih Dahulu (HMeTD) sesuai dengan PoJk no.32/PoJk.04/2015 tentang Penambahan Modal Perusahaan Terbuka Dengan Memberikan Hak Memesan Efek Terlebih Dahulu (“POJK no.32/2015”).

approval of the capital increase of the Company through Pre-emptive right procedure, in accordance with Financial services authority regulation (PoJk) no.32/PoJk.04/2015 on the Increase of Capital for Public Company With Provides Pre-emptive rights.

Kuorum | Quorum

Tidak setujuagainst

Abstain SetujuFor

Total Suara SetujuTotal approving Vote

648.400 saham/shares 0 16.211.662.557 saham/shares

16.211.662.557 saham/shares

Keputusan Rapat | resolutions

Menyetujui Penambahan Modal Perseroan melalui Hak Memesan efek Terlebih Dahulu (HMeTD) sesuai PoJk no.32/PoJk.04/2015 tentang Penambahan Modal Perusahaan Terbuka Dengan Memberikan Hak Memesan efek Terlebih Dahulu dengan rincian penambahan modal disetor dan ditempatkan Perseroan sebagai berikut:

a. Penerbitan sebanyak banyaknya 5.311.299.590 (lima milia ‘tiga ratus sebelas juta dua ratus sembilan puluh sembilan ribu lima ratus sembilan puluh) saham dengan nilai nominal rp.100 (seratus rupiah) setiap saham sehingga sebanyak-banyaknya bernilai nominal rp.531.129.959.000 (lima ratus tiga puluh satu miliar seratus dua puluh sembilan juta sembilan ratus lima puluh sembilan ribu rupiah).

approved the capital increase of the Company through Pre-emptive right procedure, in accordance with Financial services authority regulation (PoJk) no.32/PoJk.04/2015 on the Increase of Capital for Public Company With Provides Pre-emptive rights, with details of the capital increase the Company’s issued and paid up as follows:

a. The issuance of a maximum of 5,311,299,590 (five billion, three hundred and eleven million two hundred ninety-nine thousand five hundred and ninety) shares with a nominal value of rp100 (one hundred rupiah) per share to as much as nominal value Rp.531.129.959.000 (five hundred thirty-one billion, one hundred and twenty nine million nine hundred fifty nine thousand Rupiah).

RAPAT uMuM PEMEGANG SAHAMGeneral Meeting of Shareholders

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RUpSLB 2016 - 15 Juli 2016 | 2016 eGM – 15 July 2016

b. Penerbitan sebanyak-banyaknya 5.311.299.590 (lima miliar tiga ratus sebelas juta dua ratus sembilan puluh sembilan ribu lima ratus sembilan puluh) Waran seri III yang dapat dikonversi menjadi saham baru dengan nilai nominal rp.100 (seratus rupiah) setiap saham sehingga sebanyak-banyaknya bernilai nominal rp.531.129.959.000 (lima ratus tiga puluh satu miliar seratus dua puluh sembilan juta sembilan ratus lima puluh sembilan ribu rupiah).

c. Pemberian wewenang dan kuasa kepada Direksi Perseroan dengan persetujuan Dewan komisaris Perseroan untuk mengeluarkan saham baru dan Waran seri III Perseroan dan melakukan peningkatan modal disetor dan ditempatkan Perseroan melalui PUT V dan Waran seri III serta untuk melakukan segala tindakan yang diperlukan sehubungan dengan pelaksanaan HMeTD yang diterbitkan Perseroan dalam rangka pelaksanaan PUT V dan Waran seri III tersebut.

d. Pemberian wewenang dan kuasa kepada Direksi dengan persetujuan Dewan komisaris Perseroan untuk melakukan penyesuaian-penyesuaian terhadap rasio dan harga pelaksanaan HMeTD dan PUT V dan Waran seri III, penggunaan dana dan/atau melakukan penyesuaian atau tindakan-tindakan lainnya yang diperlukan terkait dengan pelaksanaan PUT V sesuai dengan tanggapan dari otoritas dan regulator serta ketentuan perundangan yang berlaku.

b. The issuance of a maximum of 5,311,299,590 (five billion, three hundred and eleven million two hundred and ninety-nine thousand five hundred and ninety) the series III Warrants that can be converted into new shares with a nominal value of rp100 (one hundred rupiah) per share, so that as many valuable Face Rp.531.129.959.000 (five hundred and thirty-one billion, one hundred and twenty nine million nine hundred fifty nine thousand Rupiah).

c. assignment of authority and power of the Board of Directors with the consent of the Board of Commissioners of the Company to issue new shares and the series III Warrants of the Company and increased its paid-up capital of the Company through right Issue V and the series III Warrants as well as to perform all acts necessary in connection with the implementation of Pre-emptive rights issued by the Company in order to implement right Issue V and the series III Warrants.

d. assignment of authority and power of the Board of Directors with the consent of Board of Commissioners to make adjustments to the ratio and the exercise price of the rights Issue V and the series III Warrants, the use of funds and / or make adjustments or other actions are appropriate in connection with the implementation of the right Issue V appropriate with the response of the authorities and regulators as well as the provisions of prevailing law.

Realisasi | realization

Telah selesai dilaksanakan Completed.

RAPAT uMuM PEMEGANG SAHAMGeneral Meeting of Shareholders

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pERNYATAAN KEpEMILIKAN pEDoMAN ATAU pIAgAM DEwAN KoMISARIS

MnC Bank telah memiliki piagam kerja Dewan komisaris dalam bentuk Pedoman dan Tata Tertib kerja Dewan komisaris yang ditetapkan pada tanggal 15 Januari 2016.

Pedoman dan Tata Tertib kerja Dewan komisaris berisi tentang petunjuk tata laksana kerja Dewan komisaris, serta menjelaskan tahapan aktivitas secara terstruktur, sistematis, mudah dipahami serta dapat dijalankan.

Pedoman dan Tata Tertib kerja Dewan komisaris dibuat untuk membantu Dewan komisaris dalam menjalankan tugas dan tanggung jawabnya sehingga dapat lebih baik dalam mengawasi kinerja Direksi MnC Bank dalam menjalankan pengurusan untuk kepentingan terbaik dan sesuai dengan maksud dan tujuan MnC Bank.

STATEMENT oF THE BoARD oF coMMISSIoNERS cHARTER ESTABLISHMENT MnC Bank has in place the Board of Commissioners charter in a form of the Working Guidelines and rules for The Board of Commissioners as stipulated on 15 January 2016.

The Working Guidelines and rules for The Board of Commissioners consist of working rules for the Board of Commissioners and elaborate on activities of the Board of Commissioners of MnC Bank in a structured, systematic and easy to understand as well as implemented.

The Working Guidelines and rules for The Board of Commissioners is regulated to help the members in performing their duties and responsibilities so will be able to supervise better on the performance of the Board of Directors of the MnC Bank in running the business for the best interest of and in accordance to the purpose and objective of MnC Bank.

DEwANKoMISARISBoard of Commissioners

Dewan Komisaris adalah organ yang bertugas untuk mengawasi secara umum dan/atau khusus sesuai dengan Anggaran Dasar serta memberi nasihat kepada Direksi. Setiap anggota Dewan Komisaris harus memiliki integritas yang tinggi, pengetahuan, kemampuan dan komitmen untuk menyediakan waktu dalam menjalankan tugasnya. Dengan demikian, peran Dewan Komisaris sangat strategisThe Board of Commissioners is an organ that is in charge of supervising in general and/or spesifically in accordance with the Article of Association as well as giving advice to the Board of Directors. Each member of the Board of Commissioners must have high integrity, knowledge, ability and commitment to provide time in managing their duties. Thus, the role of the Board of Commissioners is very strategic.

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Pedoman dan Tata Tertib kerja Dewan komisaris juga untuk membantu Dewan komisaris untuk meningkatkan prinsip dan penerapan tata kelola perusahaan yang baik bagi MnC Bank dalam melaksanakan tugas dan tanggung jawab Dewan komisaris. penunjukkan, Kriteria & Komposisianggota Dewan komisaris diangkat dan diberhentikan oleh rUPs. Usulan pengangkatan, pemberhentian dan/atau penggantian anggota Direksi kepada rUPs harus memperhatikan rekomendasi dari komite nominasi dan remunerasi.

Kriteria Dewan Komisarisorang perseorangan yang dapat menjadi anggota Dewan komisaris adalah yang memenuhi persyaratan pada saat diangkat dan selama menjabat:

The Working Guidelines and rules for The Board of Commissioners is also to help the members to improve the principle and application of Corporate Governance of the Company in doing the duties and responsibilities of the Board of Commissioners.

Appointment, criteria and compositionMembers of the Board of Commissioners (BoC) are appointed and dismissed by the GMs. The proposed appointment, dismissal and/or replacement of members of the Board of Commissioners to GMs must consider a recommendation of the nomination and remuneration Committee.

Board of commissioners criteriaIndividuals that can be a member of the Board of Commissioners are those who meet the requirements at the time of appointment and during his tenure:

DEwAN KOMISARISBoard of Commissioners

Oleh karena itu, komposisi Dewan Komisaris Bank harus memungkinkan pengambil keputusan yang efektif, tepat dan cepat. Selain itu, Dewan Komisaris juga dituntut untuk dapat bertindak secara independen, dalam arti tidak mempunyai benturan kepentingan (conflict of interest) yang dapat menganggu kemampuannya untuk melaksanakan tugas secara mandiri dan kritis, baik dalam hubungan satu sama lain maupun hubungan terhadap direksi.Therefore, the composition of the Board of Commissioners should enable effective, precise and fast decision making. In addition, the Board of Commissioners is also required to be able to act independently, in the sense not having any conflict of interest that may interfere with their ability to perform tasks independently and critically, both in relation to each other and the relationship of the Board of Directors.

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a. Memiliki akhlak dan integriti;b. Cakap melakukan perbuatan hukum; c. Dalam 5 (lima) tahun sebelum pengangkatan:

· Tidak pernah dinyatakan pailit; · Tidak pernah menjadi anggota Direksi

dan/atau anggota Dewan komisaris yang dinyatakan bersalah menyebabkan suatu perusahaan dinyatakan pailit;

· Tidak pernah dihukum karena tindakan pidana yang merugikan keuangan negara dan/atau yang berkaitan dengan sektor keuangan; dan

· Tidak pernah menjadi anggota Direksi dan/atau anggota Dewan komisaris yang selama menjabat: i. Pernah tidak mengadakan aGMs; ii. Pertanggungjawabannya sebagai

anggota Direksi dan/atau anggota Dewan komisaris pernah tidak diterima oleh rUPs atau pernah tidak memberikan pertanggungjawaban sebagai anggota Direksi dan/atau anggota Dewan komisaris kepada rUPs; dan

iii. Pernah menyebabkan perusahaan yang memiliki izin, persetujuan, atau pendaftaran dari oJk tidak memenuhi kewajiban untuk memberikan laporan tahunan dan/atau laporan keuangan kepada oJk.

d. Memiliki komitmen untuk mematuhi peraturan perundang-undangan; dan

e. Memiliki pengetahuan dan/atau keahlian di bidang yang dibutuhkan Perusahaan.

Komisaris Independenkomisaris Independen Bank ditetapkan paling kurang 50% (lima puluh persen) dari jumlah anggota Dewan komisaris. komposisi Dewan komisaris MnC Bank Per 31 Desember 2016 berjumlah 2 (dua) orang sebagai komisaris Independen yang berarti 66,6% dari komisaris yang ada dan telah memenuhi ketentuan Bank Indonesia/oJk.

Kriteria Komisaris Independenkriteria anggota Dewan komisaris yang juga merupakan komisaris Independen sesuai seoJk no.13/seoJk.03/2017 tentang penerapan tata

DEwAN KOMISARISBoard of Commissioners

a. Have a character, moral, and good integrity; b. Proficient in doing legal acts; c. During 5 (five) years before the appointment and

during his tenure: · never declared bankrupt; · never a member of Board of Directors and/or

a member of Board of Commissioners that is declared guilty causing a company declared bankruptcy;

· never been convicted because of crimes that harmed state’s financial and/or is related with financial sector; and

· never been a member of Board of Directors and/or a member of Board of Commissioners that while in his tenure that: i. Do not hold an rUPsT; ii. accountability as a member of the Board

of Directors and/or member of the Board of Commissioners is not accepted by GMs or do not give any accountability as a member of the Board of Directors and/or a member of the Board of Commissioners to the GMs; and

iii. Caused a licensed company which has an agreement, or registered to oJk not to fulfill the requirement to submit Annual Reports and/or financial report to the oJk.

d. Have a commitment to follow the regulations; and e. Have knowledge and/or expertise in the field that

is needed by the Company.

Independent commissioners MnC Bank’s Independent Commissioner shall be at least 50% (fifty percent) of the total number of the Board of Commissioners. The Composition of MnC Bank’s Board of Commissioners as of December 31, 2016 were 2 (two) People as Independent Commissioner, which means that 66,6% of the Board of Commissioners are Independent and complied with Bank Indonesia/Fsa regulation.

Independent commissioner criteriaThe criteria for members of the Board of Commissioners that also an Independent Commissioner was in accordance with Circular letter of seoJk no.13/

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kelola bagi Bank Umum, komisaris Independen adalah anggota Dewan komisaris yang tidak memiliki hubungan keuangan, hubungan kepengurusan, hubungan kepemilikan saham dan/atau hubungan keluarga dengan anggota Dewan komisaris lainnya, Direksi dan/atau Pemegang saham Pengendali atau hubungan dengan Bank, yang dapat mempengaruhi kemampuannya untuk bertindak independen.

penilaian Kemampuan dan KepatutanPBI no.12/23/PBI/2010 tentang Uji kemampuan dan kepatutan (fit and proper test) menyebutkan bahwa calon anggota Dewan komisaris wajib lulus fit and proper test dan memperoleh persetujuan dari Bank Indonesia sebelum menjalankan tugas dan fungsi dalam jabatannya. seluruh anggota Dewan komisaris telah lulus fit and proper tanpa catatan dan telah mendapat persetujuan dari Bank Indonesia, yang mengindikasikan bahwa setiap anggota Dewan komisaris memiliki integritas, kompetensi dan reputasi keuangan yang memadai.

Tabel penilaian Kemampuan dan Kepatutan Dewan KomisarisTable of Fit and Proper Test for the Board of Commissioners

Namaname

Jabatan pelaksana pemeriksaanassessor

Tanggal Efektif pengangkatan

eko B. supriyanto Presiden komisaris (Independen)President Commissioner (Independent)

otoritas Jasa keuanganFinancial services authority

8 agustus | august 2016

Purnadi Harjono komisarisCommissioner

otoritas Jasa keuanganFinancial services authority

9 Juni | June 2014

rusli Witjahjono komisaris IndependenIndependent Commissioner

otoritas Jasa keuanganFinancial services authority

8 agustus | august 2016

Komposisi Jumlah anggota Dewan komisaris MnC Bank telah sesuai dengan paraturan perundang-undangan yang berlaku.

komposisi anggota Dewan komisaris MnC Bank per 31 Desember 2016 adalah berdasarkan keputusan rUPs tanggal 3 Mei 2016 adalah sebagai berikut:

DEwAN KOMISARISBoard of Commissioners

seoJk.03/2017 concerning the Implementation of Good Corporate Governance for Commercial Banks, Independent Commissioner is a member of the Board of Commissioners who does not have a financial relationship, management relationship, stock ownership relationship, and/or family relationship with members of the Board of Commissioners, Board of Directors and/or Controlling shareholders or relationship with MnC Bank, which could affect its ability to act independently.

Fit and proper TestBI regulation number 12/23/PBI/2010 on Fit and Proper Tests sets forth that candidates of members of Board of Commissioners must pass a fit and proper test and obtain the approval of Bank Indonesia prior to performing their tasks and functions. all members of the Board of Commissioners successfully passing the fit and proper test and obtaining the approval of Bank Indonesia indicate that each of the members have sufficient financial integrity, competence, and reputation.

compositionTotal of members of the Board of Commissioners of MnC Bank is in accordance with prevailing laws and regulations.

Composition of the Board of Commissioners of MnC Bank as per December 31, 2016 is based on the decision of the GMs dated 3 May 2016 as follows:

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Dewan Komisaris | Board of Commissioners

eko B. supriyanto Presiden komisaris (Independen) | President Commissioner (Independent)

Purnadi Harjono komisaris | Commissioner

rusli Witjahjono komisaris Independen | Independent Commissioner

Hubungan Afiliasi Dewan Komisaris

Hubungan afiliasi antara anggota Direksi, Dewan komisaris dan Pemegang saham Pengendali, dapat dilihat sebagaimana tabel di bawah ini:

Hubungan Afiliasi Dewan KomisarisBoard of Commissioners Affiliations

Dewan KomisarisBoard of

Commissioners

Hubungan Keuangan DenganFinancial relations With

Hubungan Keluarga DenganFamilial relations With

Dewan KomisarisBoard of

Commissioners

DireksiBoard of Directors

pemegang Saham

pengendaliControlling

shareholders

Dewan KomisarisBoard of

Commissioners

DireksiBoard of Directors

pemegang Saham

pengendaliControlling

shareholders

Ya Yes

Tidakno

Ya Yes

Tidakno

Ya Yes

Tidakno

Ya Yes

Tidakno

Ya Yes

Tidakno

Ya Yes

Tidakno

eko B. supriyanto

rusli Witjahjono

Kepemilikan Saham Dewan KomisarisPer tanggal 31 Desember 2016, masing-masing anggota Dewan komisaris tidak memiliki saham dengan kepemilikan yang mencapai 5% (lima per seratus) dari modal disetor Bank MnC, bank lain, lembaga keuangan bukan bank dan perusahaan lainnya yang berkedudukan di dalam maupun luar negeri. Berikut adalah tabel kepemilikan saham anggota Dewan komisaris:

Kepemilikan Saham Dewan KomisarisBoard of Commissioners shares ownership

Namaname

Kepemilikan Saham (dalam lembar) | shares ownership (in shares)

MNc Bank Bank Lainother Banks

Lembaga Keuangan Non Bank

non Bank Financial Institution

perusahaan Lainother Companies

eko B. supriyanto nihil | nil nihil | nil nihil | nil nihil | nil

Purnadi Harjono nihil | nil nihil | nil nihil | nil nihil | nil

rusli Witjahjono nihil | nil nihil | nil nihil | nil nihil | nil

DEwAN KOMISARISBoard of Commissioners

Affiliate Relationship of The Board of commissionersThe affiliate relationship between the members of the Board of Directors, Board of Commissioners, and the Controlling shareholders, can be seen as the table below:

Board of commissioners Shares ownershipas of 31 December 2016, each member of the Board of Commissioners did not owned any sahres with 5% (five per hundred) ownership from the paid-in capital of MNC Bank, other banks, non-bank financial institutions and other companies domiciled in the country or overseas. The following table illustrated the Board of Commissioners shares ownership:

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Rangkap Jabatan Dewan komisaris telah mengungkapkan jabatan rangkap yang dimilikinya. Jabatan rangkap Dewan komisaris dapat dilihat pada tabel di bawah ini:

Rangkap jabatan anggota Dewan Komisaris 2016Multiple Board Membership of BoC members in 2016

Namaname

JabatanPosition

Jabatan pada perusahaan /Instansi Lain

Position in another Company/Institution

Nama perusahaan/Instansi Lain

name of other Company/Institution

eko B. supriyanto Presiden komisaris (Independen) | President President Commissioner (Independent)

Direktur UtamaPresident Director

PT Infoarta Pratama

Purnadi Harjono komisaris | Commissioner Direktur | Director PT MnC kapital Indonesia

rusli Witjahjono komisaris Independen | Independent Commissioner

nihil | nil nihil | nil

Masa Jabatananggota Dewan komisaris diangkat untuk masa jabatan 1 (satu) periode yaitu terhitung sejak ditutupnya rUPs yang mengangkatnya sampai dengan ditutupnya rUPsT yang ke-3 (ketiga) setelah tanggal pengangkatannya, dengan tidak mengurangi hak rUPs untuk memberhentikan anggota Dewan komisaris tersebut sewaktu-waktu.

anggota Dewan komisaris diangkat untuk masa jabatan tertentu sesuai dengan ketentuan anggaran Dasar Perseroan dan peraturan perundang-undangan yang berlaku.

Masa jabatan komisaris Independen paling banyak 2 (dua) periode berturut-turut. komisaris Independen yang telah menjabat selama 2 (dua) periode masa jabatan dapat diangkat kembali pada periode selanjutnya sepanjang komisaris Independen tersebut menyatakan dirinya tetap independen sesuai Pasal 25 PoJk no.33/PoJk.04/2014. apabila komisaris Independen menjabat sebagai kepala komite audit, komisaris Independen tersebut hanya dapat diangkat kembali sebagai komite audit untuk 1 (satu) periode masa jabatan audit berikutnya.

DEwAN KOMISARISBoard of Commissioners

Multiple Board MembershipThe Board of Commissioners has revealed the concurrent positions they hold. Concurrent positions of the Board of Commissioners may be seen in the following table:

Terms of OfficeMembers of the Board of Commissioners are appointed for 1 tenure period which is started from the closing of appointing GMs until the closing of the 3rd (third) GMs after the date of the appointment, without decreasing the right of GMs to dismiss the members of the Board of Commissioners at any time.

Members of the Board of Commissioners are appointed for a certain term of office in accordance with the Article of association and can be reappointed.

The tenure of Independent Commissioner at most 2 (two) consecutive terms. an Independent Commissioner that has be on duty for 2 (two) periods of term of office can be reappointed for the next period as long as that Independent Commissioner declares to the GMs that he/she will remain Independent in accordance to article PoJk no.33/PoJk.04/2014. If Independent Commissioner serves as Head of audit Committee, he/she only can be reappointed as audit Committee for one more period for the next position.

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Tugas dan Tanggung Jawab Dewan Komisaris

Dewan komisaris memiliki fungsi, tugas dan tanggung jawab yang jelas sesuai dengan anggaran dasar dan wewenang yang diberikan oleh rUPs, yang tertuang dalam Pedoman dan Tata Tertib kerja Dewan komisaris. Dewan komisaris bertanggung jawab kepada pemegang saham dalam hal mengawasi kebijakan Direksi terhadap operasional MnC Bank secara umum yang mengacu kepada rencana bisnis yang telah disetujui Dewan komisaris dan Bank Indonesia, serta memastikan kepatuhan terhadap seluruh peraturan dan perundang-undangan yang berlaku.

secara rinci, tugas pokok Dewan komisaris yang berhubungan dengan pengawasan adalah:

a. Melaksanakan tugas dan tanggung jawab secara independen.

b. Melakukan pengawasan atas kebijakan pengurusan dan jalannya pengurusan perusahaan dan memberi nasehat kepada Direksi.

c. Melakukan fungsi pengawasan dengan cara mengarahkan, memantau dan mengevaluasi pelaksanaan kebijakan strategis Bank.

d. Memastikan terselenggaranya pelaksanaan GCG dalam setiap kegiatan usaha Bank pada seluruh tingkatan organisasi yang mencakup 7 (tujuh) aspek pelaksanaan GCG.

e. Tidak terlibat di dalam pengambilan keputusan kegiatan operasional bank, kecuali hal-hal khusus yang telah diatur oleh Bank Indonesia dan anggaran Dasar MnC Bank.

f. Melakukan pengawasan aktif atas penerapan manajemen risiko yang melekat pada seluruh aktivitas Bank yang mencakup:o Menyetujui dan mengevaluasi kebijakan

manajemen risiko.o Mengevaluasi pertanggungjawaban Direksi

atas pelaksanaan kebijakan menajemen risiko.

o Mengevaluasi dan memutuskan permohonan Direksi yang berkaitan dengan transaksi yang memerlukan persetujuan Dewan komisaris.

g. Memastikan bahwa Direksi telah menindaklanjuti temuan audit dan rekomendasi dari skaI, auditor eksternal, hasil pengawasan Bank Indonesia dan/atau hasil pengawasan otoritas lainnya.

DEwAN KOMISARISBoard of Commissioners

Duties and Responsibilities of Board of commissionersThe Board of Commissioners has clear functions, tasks, and responsibilities under the articles of association and the authority granted by the GMS as specified in The Working Guidelines and rules for The Board of Commissioners. The Board of Commissioners is responsible to shareholders to supervise the policy of the Board of Directors on MnC Bank’s operation in general, which refers to the business plan approved by the Board of Commissioners and Bank Indonesia, and to ensure compliance with the applicable laws and regulations.

The details of the Board of Commissioners’ Duties and responsibilities pertaining with supervisort function are as follows :a. Independently performing duties and

responsibilities.b. exercise supervision over the course of policy

management and maintenance of the company and advise the Board of Directors.

c. exercising oversight by directing, monitoring and evaluating the implementation of MnC Bank’s strategic policy.

d. ensure the implementation of GCG in all business activities of MnC Bank at all levels of the organization which includes seven (7) aspects of the implementation of GCG.

e. not involved in the decision-making activities of the bank’s operations, except for special things that have been set by Bank Indonesia and the articles of association of the company.

f. actively supervise the implementation of risk management inherent in all MnC Bank’s activities include:o approve and evaluate the risk management

policy. o evaluate the accountability of the Board

of Directors for the implementation of risk management policies.

o evaluate and decide petition the Board of Directors in respect of transactions which require the approval of the Board of Commissioners.

g. ensure that the Board of Directors has followed up on audit findings and recommendations of the Internal audit Unit, the external auditors, monitoring results or outcomes of Bank Indonesia and other supervisory authorities.

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h. Memberitahukan kepada Bank Indonesia paling lambat 7 (tujuh) hari kerja sejak ditemukannya pelanggaran peraturan dibidang keuangan/perbankan dan keadaan atau perkiraan keadaan yang dapat membahayakan kelangsungan usaha bank.

i. Dewan komisaris berdasarkan keputusan rapat Dewan komisaris berhak memberhentikan untuk sementara anggota Direksi sesuai ketentuan Pasal 106 UUPT dan dengan memperhatikan peraturan perundang-undangan di bidang Pasar Modal.

j. Dalam menjalankan fungsi pengawasan Dewan komisaris dibantu oleh komite audit, komite Pemantau risiko dan komite nominasi dan remunerasi. komite-komite tersebut telah melaksanakan rapat komite secara periodik sebelum rapat Dewan komisaris dan hasil keputusannya dilaporkan kepada Dewan komisaris dalam rapat Dewan komisaris.

pRoSEDUR, DASAR pENETApAN, STRUKTUR DAN REMUNERASI DEwAN KoMISARIS

prosedur & Dasar penetapansecara umum, dalam menentukan besaran remunerasi, Bank akan mengacu pada kebijakan internal, ketentuan dan peraturan yang berlaku, kondisi pasar serta kinerja Bank pada tahun berjalan.

Penyusunan kebijakan dan pengajuan remunerasi Direksi dan komisaris dilaksanakan oleh komite remunerasi dan nominasi dengan mempertimbangkan standar remunerasi dari industri, kinerja Bank, hasil evaluasi Direksi dan tingkat kenaikan inflasi. Selanjutnya komite akan memberikan rekomendasi kepada Dewan komisaris untuk disampaikan kepada rUPs.

Struktur Remunerasi Berdasarkan anggaran Dasar MnC Bank dan Piagam komite nominasi dan remunerasi, komponen remunerasi anggota Dewan komisaris terdiri dari:

DEwAN KOMISARISBoard of Commissioners

h. Inform Bank Indonesia within 7 (seven) working days after the discovery of violations of regulations in finance/ banking and state or state estimates that could jeopardize survival of a bank.

i. Based on the meeting of the Board of Commissioners, BoC reserves the right to lay off for a while members of the Board of Directors pursuant to article 106 of the Company law and with due regard to the laws and regulations in the capital market.

j. In carrying out supervisory functions of the Board of Commissioners is assisted by the audit Committee, risk oversight Committee and the nomination & remuneration Committee. These committees have conducted periodic committee meeting before the meeting of the Board of Commissioners and the results are reported to the Board of Commissioners decision in a meeting of the Board of Commissioners.

pRocEDURES, STIpULATIoN BASIS, STRUcTURE, AND REMUNERATIoN oF BoARD oF coMMISSIoNERS

procedures & Stipulation BasisIn general, the stipulation of remuneration by MnC Bank refers to the internal policies, prevailing rules and regulations, market conditions, as well as Bank’s performance for the year.

The formulation of the remuneration policies and proposal for the Board of Directors and Commissioners is carried out by the remuneration and nomination Committee by taking into account the remuneration standard of the industry, MnC Bank’s performance, assessment results of the Board of Directors and inflation level movements. The Committee witll further provide recommendation to the Board of Commissioners to be submitted to the GMs.

Remuneration StructurePursuant to MnC Bank’s articles of association and nomination and remuneration Charter, the remuneration component of Board of Commissioners’ members, is as follows:

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DEwAN KOMISARISBoard of Commissioners

Board of commissioners’ Total RemunerationThe Board of Commissioners receives remuneration in the form of honorarium and other benefits.

The total remuneration and facilities for Board of Commissioners’ members during 2016 was rp1.841 billion.

The types of remuneration and other facilities for all members of the Board of Commissioners that includes the whole Board of Commissioners and the total number of remuneration packages/policyies and other facilities, are:

The remuneration within one year in the is classified in the following range on income levels:

no. KomponenComponent

RincianDetails

1. Annual Basic Guaranteed - Gaji Pokok | Basic salary- Tunjangan Hari raya (THr)

2. Tunjangan | Benefit - asuransi kesehatan | medical insurance- BPJs ketenagakerjaan/kesehatan | BPJs employment/Health- asuransi Jiwa | life Insurance- D&o liability Insurance- Cuti | leave- kartu kredit | Credit Card- Incentive

3. Insentif | Incentive - Program kepemilikan saham Manajemen dan karyawan | Management and employee share ownership Program

Jumlah Remunerasi Dewan KomisarisDewan komisaris menerima remunerasi dalam bentuk honor dan tunjangan lainnya.

Jumlah remunerasi dan tunjangan yang diberikan kepada anggota Dewan komisaris pada tahun 2016 adalah sebesar rp1,841 miliar.

Jenis remunerasi dan fasilitas lain bagi seluruh anggota Dewan komisaris yang mencakup jumlah anggota Dewan komisaris dan jumlah seluruh paket/kebijakan remunerasi dan fasilitas lain, adalah:

Jenis Remunerasi dan Fasilitas *Types of remuneration and Facilities *

Jumlah Yang Diterima Dewan Komisaris Dalam 1 (Satu) Tahunamount received by the Board of Commissioners in 1 (one) Year

Direksi | Board of Directors

orang | Person Juta | Million (rp)

1. remunerasi dalam bentuk non-naturaremuneration in non-natura

3 1,841

2. Fasilitas lain dalam bentuk natura yang: other facilities in natura, which:

- -

a. dapat dimiliki | can be owned

a. tidak dapat dimiliki | cannot be owned

Jumlah | Total 3 1,841*) Jumlah remunerasi termasuk kepada anggota Dewan komisaris yang telah mengundurkan diri | Total remuneration included for the

resigned member of the Board of Commissioners

remunerasi dalam satu tahun dikelompokkan dalam kisaran tingkat penghasilan adalah sebagai berikut.

Jumlah Remunerasi per orang dalam 1 (Satu) Tahun *)Total remuneration per Person in 1 (one) Year *)

Jumlah Dewan KomisarisTotal Board of Commissioners

Di atas rp2 miliar | above rp2 billion -

Di atas rp1 miliar s.d. rp2 miliar | above rp1 billion to rp2 billion -

Di atas rp500 juta s.d. rp1 miliar | above rp500 million to rp1 billion 2

rp500 juta ke bawah | below rp500 million 1keterangan | Description:*) yang diterima secara tunai | received in cash

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DEwAN KOMISARISBoard of Commissioners

BoARD oF coMMISSIoNERS’ MEETINgS poLIcY AND FREQUENcY, JoINT MEETINgS wITH THE BoARD oF coMMISSIoNERS, & ATTENDANcE

Board of commissioners’ Meeting policyThe Board of Commissioners’ meetings shall be conducted periodically at least four (4) times a year. For the Board of Commissioner’ meetings that must be attended by all members of the Board of Commissioners physically at least two (2) times a year. The Board of Commissioners’ meeting held by members of the Board of Commissioners on their own or can be attended by members of the Board of Directors in accordance invitation. The Board of Commissioners held a meeting with the Board of Directors to obtain the performance evaluation report monthly period, the achievement of MnC Bank’s Business Plan and other matters that require a decision of the Board of Commissioners and or referrals as well as the views of the Board of Commissioners.

Frequency and Attendance of MeetingsThe Company convened 11 (eleven) Board of Commissioners meetings during 2016. The following table illustrates the frequency and attendance of each Director:

KEBIJAKAN DAN FREKUENSI DEwAN KoMISARIS, RApAT BERSAMA DEwAN KoMISARIS DAN TINgKAT KEHADIRAN ANggoTA DIREKSI

Kebijakan Rapat Dewan Komisarisrapat Dewan komisaris wajib dilakukan secara berkala paling kurang 4 (empat) kali dalam setahun. Untuk rapat Dewan komisaris yang wajib dihadiri oleh seluruh anggota Dewan Komisaris secara fisik paling kurang 2 (dua) kali dalam setahun. rapat Dewan komisaris dilaksanakan oleh anggota Dewan komisaris sendiri ataupun dapat dihadiri oleh anggota Direksi sesuai undangan. Dewan komisaris mengadakan rapat dengan Direksi untuk memperoleh laporan evaluasi kinerja periode bulanan, pencapaian rencana Bisnis Bank dan hal-hal lain yang memerlukan keputusan dari Dewan komisaris dan/atau arahan serta pandangan dari Dewan komisaris.

Frekuensi dan Kehadiran Rapat Dewan Komisarisselama tahun 2016, telah dilaksanakan sebanyak 11 (sebelas) kali rapat Dewan komisaris dengan frekuensi kehadiran dari masing-masing Direktur, sebagai berikut:

Daftar Kehadiran Rapat Dewan Komisaris Regular attendance list of BoC regular Meetings

Namaname

JabatanPosition

Jumlah RapatTotal

Meeting

Jumlah Kehadiran

Total attendance

% Kehadiran% attendance

Dewan Komisaris | Board of Commissioners

Bambang ratmanto* Presiden komisaris (Independen) | President Commissioner (Independent)

11 4 100%

eko B. supriyanto Presiden komisaris (Independen) | President Commissioner (Independent)

11 11 100%

Purnadi Harjono komisaris | Commissioner 11 11 100%

rusli Witjahjono** komisaris Independen | Independent Commissioner

11 4 100%

* Bambang ratmanto menjabat sampai dengan ditutupnya rapat Umum Pemegang saham Tahunan tanggal 3 Mei 2016. | Bambang ratmanto held the post until the closing of the annual General Meeting of shareholders dated 3 May 2016.

** rusli Witjahjono: efektif menjabat sebagai komisaris Independen setelah lulus F&P sesuai surat oJk tanggal 8 agustus 2016 tentang Persetujuan Pengangkatan sebagai komisaris Independen | rusli Witjahjono: effective to serve as Independent Commissioner following the oJk letter dated 8 august 2016 on the approval of F&P and the appointment as Independent Commissioner

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DEwAN KOMISARISBoard of Commissioners

Board of Directors and Board of commissioners Joint MeetingsThroughout 2016, the Board of Commissioners has convened 4 (four) times of Joint Meetings with the Board of Directors. The following is the frequency and attendance list.

Board of commissioners competence Trainings

Throughout 2016, the Board of Commissioners has attended various programs to increase their competence in the form of training, workshops, conferences, seminars, as stated in the following table:

Rapat gabungan Direksi dan Dewan Komisarisselama tahun 2016, Dewan komisaris mengadakan rapat Bersama dengan Direksi sebanyak 4 (empat) kali. Berikut frekuensi dan daftar kehadiran rapat.

Daftar Kehadiran Rapat gabungan Dewan Komisaris dengan Direksiattendance list of Joint Meeting BoC With BoD

Namaname

JabatanPosition

Jumlah RapatTotal

Meeting

Jumlah Kehadiran

Total attendance

% Kehadiran% attendance

Dewan Komisaris | Board of Commissioners

eko B. supriyanto Presiden komisaris (Independen) | President Commissioner (Independent)

4 3 75%

Purnadi Harjono komisaris | Commissioner 4 3 75%

rusli Witjahjono komisaris Independen | Independent Commissioner

4 2 100%

Direksi | Board of Directors

Benny Purnomo Presiden Direktur | President Director 4 4 100%

Benny Helman Direktur | Director 4 4 100%

Nerfita Primasari Direktur | Director 4 4 100%

Widiatama Bunarto Direktur | Director 4 4 100%

Chisca Mirawati Direktur kepatuhan | Compliance Director 4 3 100%

pelatihan peningkatan Kompetensi Dewan Komisarissepanjang tahun 2016, anggota Dewan komisaris MnC Bank telah mengikuti berbagai program peningkatan kompetensi berupa pelatihan, workshop, konferensi, seminar, sebagaimana tabel berikut ini:

No TanggalDate

pelatihanTrainings

penyelenggaraorganizer

pesertaParticipant

1 21 Mei ‘1621 May ‘16

Manajemen risiko dan Tata kelola Perusahaan yang baik dalam Industri Jasa keuangan | risk Management and Good Corporate Governance in Financial services Industry

Lembaga Sertifikasi Profesi PerbankanBanking Profession Certification Agency

rusli Witjahjono

2 09 Desember ‘1609 December ‘16

seminar economic outlook 2017 Ikatan Bankir Indonesia (IBI)Indonesian Bankers association

Purnadi Harjono

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Sertifikasi Manajemen RisikoDi samping program peningkatan kompetensi di atas, Dewan Komisaris juga mengikuti program Sertifikasi Manajemen risiko. Pada periode 2016, Dewan Komisaris yang telah lulus sertifikasi manajemen risiko sebagai berikut.

Jenjang JabatanPosition

Jumlah pejabat

Total executives

Telah Lulus Sertifikasi Manajemen Risiko (Reguler)Has Passed Risk Management Certification (Regular)

Telah Lulus Sertifikasi

Manajemen Risiko (untuk Komisaris)*

Has Passed risk Management

Certification (for Commissioners)*

Level 5 Level 4 Level 3 Level 2 Level 1 Level 2 Level 1komisaris | Board of Commissioners

3 - 2 - - - 1 -

*) Komisaris hanya diwajibkan Sertifikasi Manajemen Risiko (khusus Komisaris) yaitu level 1 dan Level 2 | Commissioners are only obligated to take Risk Management Certification (specifically for Commissioners) which are level 1 and level 2

KEBIJAKAN pENILAIAN & pELAKSANAAN KINERJA ANggoTA DIREKSI DAN DEwAN KoMISARIS

Kebijakankebijakan penilaian kinerja anggota Direksi dan Dewan komisaris berdasarkan pada PoJk no.34/PoJk.04/2014 tentang komite nominasi, dimana komite nominasi dan remunerasi MnC Bank melakukan evaluasi atas Key Performance Indicators (kPI) dari Direksi dan Dewan komisaris.

penilaian Kinerja Dewan Komisaris

Penilaian kinerja Dewan komisaris dilaksanakan berdasarkan pelaksanaan tugas dan tanggung jawab sebagaimana telah tercantum dalam anggaran Dasar MnC Bank serta Pedoman dan Tata kerja Dewan komisaris. Termasuk juga keselarasan kinerja dengan visi dan misi MnC Bank serta implementasi GCG.

Penilaian kinerja Dewan komisaris dilaksanakan oleh rUPs.

DEwAN KOMISARISBoard of Commissioners

Risk Management CertificationIn addition to theabove competence development programs, the Board of Commissioners also attended the Risk Management Certification program. In 2016, the Board of Commissioners have passed the risk Management Certification of as follows.

poLIcY oF pERFoRMANcE ASSESSMENT & IMpLEMENTATIoN oF THE BoARD oF DIREcToRS AND BoARD oF coMMISSIoNERS

policyThe policy of performance assessment for members of the Board of Directors and Board of Commissioners refers to oJk regulation no.34/PoJk.04/2014 on nomination Committee, wherein MnC Bank’s nomination and remuneration Committee does the evaluation of the Board of Directors and Board of Commissioners’ key Performance Indicators (kPI).

performance Assessment of the Board of commissionersThe performance of the Board of Commissioners was evaluated based on its duties and responsibilities as stated in MnC Bank’s articles of association as well as the the Board of Commissioners’ Guidelines and rules. Including the performance alignment with the vision and mission of MnC Bank as well as GCG implementation.

The Board of Commissioners performance assessment carried out by the shareholders in the GMs.

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Laporan Tata Kelola perusahaanCorporate Governance report

pihak Yang Melakukan penilaian Kinerja Dewan KomisarisPenilaian kinerja Dewan komisaris dilakukan sendiri oleh Dewan komisaris dan merupakan salah satu agenda rapat komite nominasi dan remunerasi yang menentukan keputusan remunerasi yang diberikan. selanjutnya, kinerja Dewan komisaris dievaluasi oleh pemegang saham melalui rUPsT. evaluasi kinerja didasarkan pada keselarasan kinerja dengan visi dan misi Perseroan serta implementasi GCG.

penilaian Kinerja Direksi secara garis besar, penilaian kinerja anggota Direksi dilakukan berdasarkan pelaksanaan visi dan misi Bank serta prinsip-prinsip GCG. evaluasi kinerja dilakukan secara berkala oleh Dewan komisaris atas pencapaian target Bank, terutama realisasi rencana Bisnis Bank, pelaksanaan keputusan-keputusan rUPs dan implementasi rencana jangka panjang Bank, yang dituangkan dalam Key Performance Indicators (kPI) tahun berjalan.

Penilaian kinerja anggota Direksi dilaksanakan oleh Dewan komisaris dengan didukung rekomendasi komite nominasi dan remunerasi. Dewan komisaris bertanggung jawab atas hasil penilaiannya yang kemudian menjadi bahan pertimbangan pemegang saham dalam pembuatan keputusan dalam rUPs.

DEwAN KOMISARISBoard of Commissioners

Board of commissioners’ KpI Assessors

The Board of Commissioners conducts its own assessment and the assessment is included in the meeting agenda of the nomination and remuneration Committee that stipulates the remuneration package. Furthermore, the performance assessment of the Board of Commissioners is evaluated by shareholders through the aGMs. The performance assessment is founded upon the performance alignment with the Company’s vision and mission and GCG implementation.

Evaluation of The Board of Directors performanceIn general, the performance assessment of members of the Board of Directors is carried out based on the implementation of MnC Bank’s vision and mission as well as GCG principles. The performance evaluation is periodically carried out by the Board of Commissioners on MnC Bank’s target achievements, especially the realization of MnC Bank Business Plans, the implementation of the GMs resolutions and MnC Bank’s long term plans implementation, which are stated into the key Performance Indicators (kPI) of the year.

The performance assessment of the Board of Directors is implemented by the Board of Commissioners supported by the remuneration and nomination Committee. The Board of Commissioners is responsible on the assessment results, which will then be used as the consideration of shareholders in the resolutions of the GMs.

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pIHAK YANg MEMBERIKAN pENILAIAN KINERJA DIREKSI Penilaian kinerja anggota Direksi dilaksanakan oleh Dewan komisaris dengan didukung rekomendasi komite nominasi dan remunerasi. evaluasi kinerja didasarkan pada pencapaian target yang telah ditetapkan, keselarasan kinerja dengan visi dan misi Perseroan serta implementasi GCG. Dewan komisaris bertanggung jawab atas hasil penilaiannya yang kemudian menjadi bahan pertimbangan pemegang saham dalam pembuatan keputusan dalam rUPs.

penilaian Terhadap Kinerja Komite Yang Mendukung pelaksanaan Tugas Dewan KomisarisDalam menjalankan tugas pengawasan dan penasehatan, Dewan komisaris wajib membentuk komite audit, komite nominasi dan remunerasi, serta komite lainnya sesuai dengan persyaratan yang diatur dalam peraturan perundang-undangan di bidang pasar modal.

MnC Bank telah memiliki komite-komite di bawah Dewan komisaris yaitu komite audit, komite remunerasi dan nominasi, serta komite Pemantau risiko.

selama tahun 2016, penilaian kinerja komite MnC Bank telah dilaksanakan dengan baik mengacu pada prinsip-prinsip GCG dan tujuan MnC Bank. Informasi terinci lebih lanjut mengenai komite Dewan komisaris dapat dilihat berikut.

DEwAN KOMISARISBoard of Commissioners

BoARD oF DIREcToRS’ KpI ASSESSoR

The performance assessment of the Board of Directors is implemented by the Board of Commissioners supported by the remuneration and nomination Committee. The performance evaluation is based on the achievement of set targets, performance alignment with the Company’s vision and mission and the implementation of GCG. The Board of Commissioners is responsible on the assessment results, which will then be used as the consideration of shareholders in the resolutions of theGMs.

performance Assessment of Board of commissioners’ committeesPursuant to the Board of Commissioners Charter, in implementing its oversight and advisory duties, the Board of Commissioners shall establish committees in accordance with the prevailing laws and capital market regulations.

MnC Bank has in place Committees under the Board of Commissioners, namely the audit Committee, the nomination and remuneration Committee and the risk oversight Committee.

Throughout 2016, the performance evaluation of these Committees has been carried out properly and in accordance with the GCG principles and the MnC Bank’s goals. The following are detailed information on the Board of Commissioners’ committees.

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Laporan Tata Kelola perusahaanCorporate Governance report

DASAR HUKUMPembentukan dan Pedoman Pelaksanaan kerja komite audit dilakukan berdasarkan ketentuan PoJk no.55/PoJk.03/2016 tanggal 7 Desember 2016 tentang Penerapan Tata kelola bagi Bank Umum. seoJk no.13/seoJk.03/2017 tentang Penerapan Tata kelola bagi Bank Umum. Perseroan juga mengacu kepada Peraturan Bapepam dan lk no.Ix.I.5, lampiran keputusan ketua Bapepam dan lk no.kep-643/Bl/2012 tanggal 7 Desember 2012 yang kemudian diubah dengan PoJk no.55/PoJk.04/2015 tanggal 23 Desember 2015 tentang Pembentukan dan Pedoman Pelaksanaan kerja komite audit dan Peraturan Bursa

LEgAL REFERENcESestablishment and Implementation Guidance of the audit Committee conducted under the provisions of regulation BI (PBI) 8/PBI/2006 dated January 30, 2006 on Implementation of Good Corporate Governance for Banks, as amended by PBI no.8/14/PBI/2006 dated october 5, 2006 and its implementing regulations as stipulated in Bank Indonesia Circular letter no.15/15/DPnP dated 29 april 2013 regarding the implementation of GCG for conventional commercial bank. The Company also refers to Bapepam and lk no.Ix.I.5, attachment Bapepam Chairman Decree no.kep-643/Bl/2012 dated December 7, 2012.as amended by the Financial services authority (Fsa) regulation no.55/PoJk.04/2015 dated December 23, 2015 on the establishment and Implementation

KOMITEAUDITAudit Committee

Komite Audit Bank dibentuk mengacu pada ketentuan Peraturan Bapepam dan LK no.IX.I.5, Lampiran Keputusan Ketua Pengawas Pasar Modal dan Lembaga Keuangan (Bapepam dan LK) no.Kep-643/BL/2012 tanggal 7 Desember 2012 yang kemudian diubah dengan Peraturan Otoritas Jasa Keuangan (POJK) no.55/POJK.04/2015 tanggal 23 Desember 2015 tentang Pembentukan dan Pedoman Pelaksanaan Kerja Komite Audit, dan Peraturan Bursa Efek Indonesia no.I-A tentang Pencatatan Saham dan Efek Bersifat Ekuitas Selain Saham yang Diterbitkan oleh Perusahaan Tercatat.Audit Committee was established by referring to the provisions of Bapepam and LK no.IX.I.5, Attachment Decision of the Chairman of Capital Market Supervision and Financial Institution (Bapepam-LK) no.Kep-643 / BL / 2012 dated 7 December 2012 as amended by Financial Services Authority Regulation (OJK ) no.55 / POJK.04 / 2015 dated 23 December 2015 on the Establishment and Implementation Guidance of the Audit Committee, and the Indonesia Stock Exchange Regulations no.I-A on Shares Listing and Additonal Equity Securities Besides Shares Issued by the Listed Company.

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efek Indonesia no.I-a tentang Pencatatan saham dan efek Bersifat ekuitas selain saham yang Diterbitkan oleh Perusahaan Tercatat, lampiran keputusan Direksi Bursa efek Indonesia no.kep-00001/ BeI/01-2014 tanggal 20 Januari 2014.

pIAgAM KoMITE AUDIT komite audit melaksanakan tugas dan tanggung jawabnya berdasarkan Piagam komite audit MnC Bank (Audit Committee Charter) yang diperbarui pada tanggal 5 oktober 2016. Pada Piagam komite audit ini telah dijabarkan sasaran kerja, struktur dan komposisi komite audit, syarat-syarat keanggotaan, tugas dan tanggung jawab, kewenangan, rapat, pelaporan dan evaluasi kinerja serta masa tugas dan honorarium komite audit.

KOMITE AuDITAudit Committee

Guidance of the audit Committee, and the Indonesia stock exchange regulations no.I-a of the shares registration and equity securities other than shares Issued by listed Companies, an attachment of the Indonesia stock exchange Board of Directors Decision no.kep-00001/BeI/01-2014 dated January 20, 2014.

AUDIT coMMITTEE cHARTER The audit Committee duties and responsibilities under the Charter of the audit Committee (audit Committee Charter) as amended on 5 october 2016. at this audit Committee Charter has been defined work objectives, structure and composition of the audit Committee, the terms of membership, duties and responsibilities, authority, meetings, reporting and performance evaluation and future duties and emoluments of the audit Committee.

Komite Audit dibentuk oleh dan bertanggung jawab kepada oleh Dewan Komisaris dalam rangka membantu pelaksanaan tugas dan tanggungjawab Dewan Komisaris sehubungan dengan pelaksanaan fungsi pengawasan aktif terhadap pelaksanaan Good Corporate Governance (GCG), agar Perusahaan berjalan sesuai dengan prinsip-prinsip GCG, efektivitas meningkat, akuntabilitas dan transparansi dapat diterapkan, serta objektivitas pengelolaan Perusahaan dapat dijaga dengan baik.The Audit Committee was established by and responsible to the Board of Commissioners to assist in the implementation of the tasks and responsibilities of the Board of Commissioners pertaining with active supervision function towards the implementation of Good Corporate Governance (GCG), hence MNC Bank operates in accordance with the GCG principles, increase effectiveness, accountability and transparency can be applied, as well as the objectivity of the management company can be properly maintained.

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KoMpoSISI DAN pRoFIL KoMITE AUDIT

komite audit paling kurang terdiri dari 3 (tiga) orang anggota yang berasal dari komisaris Independen dan pihak dari luar MnC Bank. anggota komite audit yang berasal dari komisaris Independen bertindak sebagai ketua komite audit.

sampai dengan 31 Desember 2016, komposisi dan profil Komite Audit MNC Bank adalah sebagai berikut.

Rusli witjahjonoketua komite audit | Chairman of audit Committee Profil Bapak Rusli Witjahjono adalah yang sebagaimana terdapat dalam Profil Dewan Komsiaris pada halaman 64 laporan Tahunan

Profile of Mr. Rusli Witjahjono is as elaborated under Profile of the Board of Commissioners in page 64 of this annual report.

Dwi Sasongkosekretaris komite audit merangkap anggota | secretary and Member of audit Committee Meraih gelar sarjana ekonomi dan akuntansi dari Universitas Diponegoro pada tahun 1987, serta mendapatkan gelar Certified Internal Auditor (CIA) dari the Institute of Internal Auditor/IIA dan Certified Bank Auditor (CBA) dari the Bank Administration Institute dan Risk Management Certification, level IV-BsMr.

Menjabat sebagai anggota komite audit MnC Bank sejak Desember 2014.

Jabatan lainnya yang masih dipegang hingga saat ini adalah anggota komite audit di PT radana Bhaskara Finance Tbk, anggota komite audit di PT Chandra sakti Utama leasing, ketua Yayasan Pendidikan asa Fatiha Indonesia, serta menjadi Pengajar/ konsultan di Internal audit Training Centre YPIa.

Perjalanan karir sebelumnya adalah sebagai Direktur PT elang Machindo (2012-2014), VP/Head of Internal audit PT Bank Permata Tbk (2006-2011), PT Bank CIMB niaga Tbk sejak tahun 1990 – 2006 dengan jabatan terakhir sebagai Head Office Audit Division Head, serta sebagai Finance and accounting Manager PT Ika Muda rotanindo (1988-1989) dan sebelumnya sebagai auditor di kaP Drs. Tahrir Hidayat, akt. (1987-1988). aktif di organisasi profesi internal auditor baik di Ikatan auditor Intern Bank (IaIB), sebagai ketua Bidang organisasi IaIB (2011-2014) dan Wasekjen IaIB (2008-2011), maupun sebelumnya di Ikatan auditor Perbankan Indonesia (IaPI) sebagai ketua Bidang Sertifikasi (2006-2008).

obtained a Bachelor of economics and accounting from the Diponegoro University in 1987, and earned a Certified Internal auditor (CIa) from the Institute of Internal auditor/IIa and Certified Bank Auditor (CBA) from the Bank Administration Institute and Risk Management Certification, Level IV-BSMR.

He serves as member of the audit Committee of the Company since December 2014.

He concurrently serves as member of audit Committee PT radana Bhaskara Finance, Tbk, member of audit Committee PT Chandra sakti Utama leasing, Chairman of asa Fatiha Indonesia education Foundation, and lecturer/Consultant in Internal audit Training Centre YPIa.

Began his career as Director of PT elang Machindo (2012-2014), VP/Head of Internal audit PT Bank Permata Tbk (2006-2011), PT Bank CIMB niaga Tbk 1990 – 2006 with last position as Head Office Audit Division Head, and Finance and accounting Manager PT Ika Muda rotanindo (1988-1989), and previously as auditor with Drs. Tahrir Hidayat, akt. Public accountant Firm (1987-1988). active in internal auditors profession organization both in Bank Internal auditor association (IaIB), Head of IaIB organization (2011-2014), and Deputy secretary General of IaIB (2008-2011) and previously with Indonesian Banking auditor association (IaPI) as Head of Certification (2006-2008).

AUDIT coMMITTEE coMpoSITIoNS AND pRoFILESThe audit Committee shall at least consist of 3 (three) members which are from Independent Commissioner and outside party of MnC Bank. a member of audit Committee who is an Independent Commissioners will act as the audit Committee Chairman.

as of 31 December 2016, the following are the composition and profiles of the MNC Bank’s Audit Committee:

KOMITE AuDITAudit Committee

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Eko B. Supriyantoanggota komite audit/ komisaris Independen | Member of audit Committee/ Independent Commissioner Profil Bapak Eko B. Supriyanto adalah yang sebagaimana terdapat dalam Profil Dewan Komsiaris pada halaman 64 laporan Tahunan

Profile of Mr. Eko B. Supriyanto is as elaborated under Profile of the Board of Commissioners in page 64 of this annual report.

Eddy Yantho Sofwananggota komite audit | Member of audit Committee Memperoleh gelar sarjana ekonomi dari Universitas Trisakti Jakarta pada tahun 1985, serta mendapatkan sertifikasi profesi Qualified Internal Auditor (QIA) dari Yayasan Pendidikan Internal Audit (YPIA), level III–Badan Sertifikasi Profesi Perbankan.

Menjabat sebagai anggota komite audit sejak 1 oktober 2016. Perjalanan karir sebelumnya adalah menjadi Inspektur (eselon I) PT Bank rakyat Indonesia (Persero) Tbk Pekanbaru (1 Februari 2015 – 31 Mei 2016), sebagai Wakil Inspektur (eselon II) BrI Manado (1 april 2007 – 31 Mei 2009), Wakil Inspektur (eselon II) BrI Banjarmasin (1 Juni 2009 – 31 Maret 2011), Wakil Inspektur (eselon II) BrI Yogyakarta (1 april – 31 Desember 2011) dan Wakil Inspektur (eselon II) BrI Jakarta 3 (1 Januari 2012 – 31 Januari 2015).

obtain Bachelor of economy Degree from Trisakti University in 1985 and obtained Qualified Internal Auditor (QIA) from dari Yayasan Pendidikan Internal audit (YPIa), level III– Badan Sertifikasi Profesi Perbankan.

Held his position as member of audit Committee since 1 october 2016. His previous professional experience are amongst others as Inspector (eselon I) PT Bank rakyat Indonesia (Persero) Tbk Pekanbaru Pekanbaru (1 February 2015 – 31 May 2016), Vice Inspector (eselon II) BrI Manado (1 april 2007 – 31 May 2009), Vice Inspector (eselon II) BrI Banjarmasin (1 June 2009 – 31 March 2011), Vice Inspector (eselon II) BrI Yogyakarta (1 april – 31 December 2011) and Vice Inspector (eselon II) BrI Jakarta 3 (1 January 2012 – 31 January 2015).

Keanggotaan dan Masa Jabatan komite audit dibentuk dan ditetapkan dengan keputusan Dewan komisaris dan bertanggung jawab terhadap Dewan komisaris. anggota komite audit diangkat dan diberhentikan oleh Dewan komisaris. Pengangkatan dan pemberhentian komite audit wajib disampaikan kepada oJk paling lambat 2 (dua) hari kerja setelah pengangkatan atau pemberhentian dan wajib dimuat dalam situs Web Bursa efek dan/atau situs Web Perusahaan.

Masa tugas anggota komite audit tidak boleh lebih lama dari masa jabatan Dewan komisaris sebagaimana diatur dalam anggaran Dasar dan dapat dipilih kembali hanya untuk 1 (satu) periode berikutnya. komisaris Independen menjabat sebagai komite audit, hanya dapat diangkat kembali sebagai komite audit untuk 1 (satu) periode masa jabatan komite audit berikutnya.

Independensi & persyaratan Komite Auditkomite audit wajib bersikap independen dalam memenuhi tugas dan tanggungjawabnya membantu

KOMITE AuDITAudit Committee

Membership and Terms of OfficeThe audit Committee was formed and established by decision of the Board of Commissioners and is responsible to the Board of Commissioners. Members of the audit Committee are appointed and dismissed by the Board of Commissioners. The appointment and dismissal of the audit Committee are obliged to be disclosed to the oJk no later than 2 (two) working days after the appointment or dismissal and also has to be published in stock exchange website and/or Company website.

The tenure of audit Committee member shall not longer than the term of office of the Board of Commissioners as stipulated in the articles of association and may be reelected only for 1 (one) period. Independent Commissioner serves as the audit Committee, can only be re-appointed as the audit Committee for 1 (one) period of the next term of office of the Audit Committee.

Audit committee Independence & RequirementsThe audit Committee must act independent in performing its duties and responsibilities to assist

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Dewan komisaris. kemandirian anggota komite audit diatur dalam Piagam komite audit, yaitu:1. Bukan merupakan karyawan kunci Perusahaan

dalam 1 (satu) tahun terakhir sebelum diangkat oleh Dewan komisaris.

2. Tidak mempunyai saham di Perusahaan bersangkutan, baik langsung maupun tidak langsung. Dalam hal anggota komite audit memperoleh saham akibat suatu peristiwa hukum maka dalam jangka waktu 6 (enam) bulan setelah diperolehnya saham tersebut wajib mengalihkan kepada pihak lain atau mengundurkan diri dari keanggotaan komite audit.

3. Tidak mempunyai hubungan afiliasi dengan Perusahaan, anggota Dewan komisaris, anggota Dewan Direksi maupun Pemegang saham Utama.

4. Tidak memiliki kepentingan/keterkaitan pribadi yang dapat menimbulkan dampak negatif dan konflik kepentingan terhadap Perusahaan.

5. Tidak mempunyai kaitan keluarga sedarah sampai derajat ketiga baik menurut garis lurus maupun garis ke samping dengan karyawan atau pejabat Perusahaan.

sepanjang tahun 2016 tidak terdapat situasi yang dihadapi oleh komite audit Perusahaan dalam pengambilan keputusan yang berpotensi terjadinya benturan kepentingan. sesuai dengan ketentuan dalam Board Manual, penilaian independensi komite audit tertuang dalam tabel berikut:

anggota komite audit Perseroan yang ditunjuk telah memenuhi syarat independensi dengan kriteria sebagai berikut:

1. Memiliki integritas yang tinggi, kemampuan, pengetahuan dan pengalaman yang memadai sesuai dengan latar belakang pendidikannya, serta mampu berkomunikasi dengan baik;

2. Wajib memiliki paling sedikit 1 (satu) dari anggota komite audit yang berlatar belakang pendidikan dan keahlian di bidang akuntansi atau keuangan;

3. Wajib mematuhi kode etik komite audit yang ditetapkan Perseroan;

4. Bersedia meningkatkan kompetensi secara terus-menerus melalui pendidikan dan pelatihan yang menunjang fungsinya sebagai anggota komite audit;

the Board of Commissioners. The Independency of the audit Committee is stipulated under the audit Committee Charter as follows:1. not acting as Company’s key employee within the

last 1 (one) year before appointed by the Board of Commissioners.

2. Do not have any direct or indirect ownership in the Company. In the event where members have received shares as a result of a legal event, they must transfer the shares to other person no later than 6 (six) months after obtaining those shares;

3. Do not have affiliate relationship with the Company, member of the Board of Commissioners, member of the Board of Directors or Majority shareholders.

4. Do not have any personal interest that may raise negative impact and conflict of interest to the Company.

5. Do not have horizontal or vertical bloodline family relationship up until third degree with employees or management of the Company

During 2016, there is no particular situation faced by the audit Committee of MnC Bank pertaining with decision making process that may raise potential conflict of interest. In accordance with the Board Manual, the independency assessment of audit Committee are as follows:

The Company’s audit Committee members has been appointed based on the indepence requirements with the following criteria:

1. Have high integrity, capability, knowledge and experience with adequate education, and the ability to communicate effectively;

2. one of the member must have education background about accountancy and Finance;

3. are obliged to comply to the code of conduct of the audit Committee determined by the Company;

4. Willingly to improve the competency through education, training, and seminar that support its function as members of the audit Committee;

KOMITE AuDITAudit Committee

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5. Wajib memiliki pengetahuan yang memadai untuk memahami laporan keuangan, bisnis perusahaan khususnya terkait layanan jasa atau kegiatan usaha Perseroan, proses audit, manajemen risiko dan peraturan perundangan dibidang pasar modal dan peraturan perundang-undangan terkait lainnya;

6. Bukan merupakan orang dalam kantor akuntan Publik, kantor konsultan Hukum, kantor Jasa Penilai Publik atau pihak lain yang memberi jasa asurans, jasa non asuransi, jasa penilai dan atau jasa konsultasi lain kepada Perseroan dalam waktu 6 (enam) bulan terakhir sebelum diangkat oleh Dewan komisaris;

7. Bukan merupakan orang yang mempunyai wewenang dan tanggung jawab untuk merencanakan, memimpin, atau mengendalikan atau mengawasi kegiatan Perseroan dalam waktu 6 (enam) bulan terakhir sebelum diangkat oleh Dewan komisaris, kecuali bagi komisaris lndependen yang menjadi anggota komite audit;

5. Have knowledge to analyze and interpret financial statements, business of the Company especially on services or business activities of the Company, audit process, risk management, and regulations in capital market and laws;

6. are not insiders of Public accountant Firm, law Firm, or other parties that provide audit, non-audit service, and/or other consultancy services to the Company within the last 6 (six) months before appointed by Commissioner;

7. Do not have authority and responsibility to lead, plan, or control Company’s activities within the last 6 (six) months before appointed by the Commissioner, excluding Independent Commissioner;

KOMITE AuDITAudit Committee

Komite Audit memberi pendapat secara independen dan profesional kepada Dewan Komisaris mengenai integritas laporan keuangan MNC Bank, proses pelaporan keuangan, efektifitas sistem pengendalian internal, proses dan temuan audit internal dan eksternal yang independen, pemantauan manajemen risiko, serta kepatuhan terhadap peraturan perundangundangan dan penerapan prinsip GCG. Jika dibutuhkan, Komite Audit dapat menjalankan tugas khusus atas permintaan Dewan Komisaris, seperti mengunjungi Kantor Cabang yang rugi dan/atau diduga telah terjadi fraud.The Audit Committee gave independent and professional opinion to the Board of Commissioners regarding the integrity of the MNC Bank’s financial statements, financial reporting process, the effectiveness of the internal control system, the process and the findings of internal audit and external independent monitoring of risk management, compliance with laws and regulations as well as the application of the principles of corporate governance. If necessary, the Audit Committee can perform special tasks at the request of the Board of Commissioners, such as visiting a Branch Office or loss and / or suspected fraud has occurred.

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8. Tidak mempunyai saham baik langsung maupun tidak langsung pada Perseroan. Dalam hal anggota komite audit memperoleh saham akibat suatu peristiwa hukum, maka dalam jangka waktu paling lama 6 (enam) bulan setelah diperolehnya saham tersebut, wajib mengalihkan kepada Pihak lain;

9. Tidak mempunyai: i. Hubungan Afiliasi dengan Komisaris, Direksi,

atau Pemegang saham Utama Perseroan; dan/atau

ii. Hubungan usaha baik langsung maupun tidak langsung yang berkaitan dengan kegiatan usaha Perseroan.

Independensi Komite Audit Berdasarkan Board Manual Tahun 2016 audit Committtee Independence Based on Board Manual of 2016

Kriteria IndependensiIndependence Criteria

Rusli witjahjono

DwiSasongko

Eko B. Supriyanto

Eddy Yantho Sofwan

Bukan merupakan karyawan kunci Perseroan dalam 1 (satu) tahun terakhir sebelum diangkat oleh Dewan komisarisnot a key employee of Company within the last 1 (one) year prior to appointment by the Board of

√ √ √ √

Tidak mempunyai saham di Perseroan bersangkutan, baik langsung maupun tidak langsung.Do not have direct or indirect shares in the Company

√ √ √ √

Tidak mempunyai hubungan afiliasi dengan Perusahaan, anggota Dewan komisaris, anggota Dewan Direksi maupun Pemegang saham UtamaDo not have any affiliate relation with the Company, member of the Board of Commissioners, member of the Board of Directors or Majority shareholders

√ √ √ √

Tidak memiliki kepentingan/keterkaitan pribadi yang dapat menimbulkan dampak negatif dan konflik kepentingan terhadap PerseroanDo not have any personal interest that may raise negative impact and conflict of interest towards to the Company

√ √ √ √

Tidak mempunyai kaitan keluarga sedarah sampai derajat ketiga baik menurut garis lurus maupun garis ke samping dengan karyawan atau pejabat PerseroanDo not have horizontal or vertical bloodline family relationship up until third degree with employees or management of the Company

√ √ √ √

status √ √ √ √keterangan | Description:√ = Independenx = Tidak Independen

8. are not individuals who have any direct or indirect ownership in Company. When members have received share as a result of a legal event, they must transfer the shares to other person no later than 6 (six) months after obtaining those share;

9. Do not have: i. any family relationship by marriage and

descent to the second degree, horizontal and vertical with the Commissioners, Directors, or Majority shareholders of Company; and/or

ii. Direct or indirect business relationship with Company’s business activities.

KOMITE AuDITAudit Committee

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poLIcY, FREQUENcIES & ATTENDANcE oF AUDIT coMMITTEE MEETINgS

policyThe audit Committee regularly conducts internal regularmeetings and joint meetings together with the Board of Directors and/or Board of Commissioners to discuss the internal auditor reports and monitor the follow-up and effective implementation of the duties of internal auditors, the Fsa/BI audit and monitor the implementation of the follow-up, the audit results of the Public accounting Firm and appropriateness of the audit with the applicable audit standards, adherence to laws and regulations, identify matters that require the attention of the Board of Commissioners, measures to increase control in the achievement of the performance and the implementation of GCG.

Meetings Frequency and AttendanceDuring 2016, the audit Committee convened 10 (ten) times, with the following frequency and members’ attendance:

Trainings and workshopsDuring 2016, the audit Committee members are given the opportunity to attend and participate in various trainings and seminars as follows:

KOMITE AuDITAudit Committee

KEBIJAKAN, FREKUENSI & KEHADIRAN RApAT KoMITE AUDIT

Kebijakankomite audit secara berkala melakukan rapat rutin internal dan rapat gabungan bersama Direksi dan/atau Dewan komisaris untuk membahas laporan auditor internal danpemantauan tindak lanjutnya serta efektivitas pelaksanaan tugas auditor internal, hasil audit oJk/BI dan monitor pelaksanaan tindak lanjutnya, hasil audit dari kantor akuntan Publik dan kesesuaian pelaksanaan audit tersebut dengan standar audit yang berlaku, ketaatan kepada peraturan perundang-undangan, mengindentifikasi hal-hal yang memerlukan perhatian Dewan komisaris, langkah-langkah peningkatan pengendalian dalam pencapaian kinerja serta implementasi GCG.

Frekuensi dan Kehadiran Rapat Komite Audit selama 2016, komite audit melaksanakan 10 (sepuluh) kali rapat, dengan frekuensi dan tingkat kehadiran sebagai berikut:

Namaname

JabatanPosition

Status IndependensiIndependence status

Jumlah RapatTotal

Meetings

Jumlah Kehadiranattendance

%

rusli Witjahjono*

ketua | Chairmankomisaris Independen | Independent Commissioner

IndependenIndependent

10 7 100%

Dwi sasongko sekretaris merangkap anggota Pihak Independen 10 10 100%

eko B. supriyanto anggota | Member non-Independennon-Independent

10 9 90,8%

eddy Yantho sofwan**

anggota | Member non-Independennon-Independent

10 2 100%

* rusli Witjahjono menjabat terhitung sejak tanggal 8 agustus 2016 sebagaimana surat oJk tentang persetujuan pengangkatan sebagai komisaris Independen. | rusli Witjahjono serves effective as of 8 august 2016 as the oJk approval letter on the appointment as Independent Commissioner.

** eddy Yantho sofwan, Pihak Independen terhitung tanggal 28 september 2016 diangkat menjadi anggota komite audit. | eddy Yantho sofwan, Independent Party effective as of 28 september 2106 to serve as member of the audit Committee

pelatihan & workshopselama 2016, anggota komite audit diberikan kesempatan untuk mengikuti dan berpartisipasi dalam berbagai pelatihan serta seminar sebagai berikut:

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Materi pelatihanTraining Material

Tanggal pelatihanDate of Training

pelaksanaInstituion

peserta dari Anggota KomiteParticipant from

Member of audit Committee

- Program refresmen Manajemen risiko Perbankan (level 4) Topik Bahasan: Manajemen risiko & Tata kelola Perusahaan Yang Baik Dalam Industri Jasa keuangan. | Banking risk Management refreshment Program (level 4) Discussion Topic: risk Management & Good Corporate Governance in Financial services Industry

- 21 Mei 2016 - Lembaga Sertifikasi Profesi Perbankan (lsPP)Banking Profession Certifcation agency

rusli Witjahjono

- seminar nasional Internal audit 2016 Internal audit | Internal audit 2016 national seminar: The Most necessary Profession To enhance and Protect organizational Value.

- legian Bali, 27 – 28 april 2016

- Yayasan Pendidikan Internal auditInternal audit education Foundation

eddy Yantho sofwan

- auditing Cyber security series: sIeM Implementation Monitoring Capabilities

- 08 Maret 2016 - IsaCa Indonesia Dwi sasongko

Tugas & Tanggung JawabDalam melaksanakan fungsinya, komite audit memiliki tugas dan tanggung jawabnya antara lain sebagai berikut:1. Melakukan penelaahan atas informasi keuangan

yang akan dikeluarkan MnC Bank kepada publik dan/atau pihak otoritas, antara lain laporan keuangan, proyeksi dan laporan lainnya terkait dengan informasi keuangan MnC Bank, termasuk kepatuhan terhadap standar dan kebijakan akuntansi dalam proses penyusunannya;

2. Melakukan penelaahan atas kepatuhan terhadap peraturan perundang-undangan yang berhubungan dengan kegiatan MnC Bank;

3. Memberikan pendapat independen dalam hal terjadi perbedaan pendapat antara Manajemen dan auditor eksternal atas jasa yang diberikan oleh auditor eksternal;

4. Memberikan rekomendasi kepada Dewan komisaris mengenai penunjukan auditor eksternal yang didasarkan pada independensi, ruang Iingkup penugasan/perikatan dan biaya jasa (fee);

5. Mendorong terbentuknya sistem pengendalian Intern yang memadai dalam pengelolaan MnC Bank, dengan melakukan evaluasi dan memberikan rekomendasi mengenai penyempurnaan sistem Pengendalian internal Perusahaan dan implementasinya;

Duties & ResponsibilitiesIn carrying out its functions, the audit Committee has duties and responsibilities are as follows:

1. Reviews the financial information that will be issued by MnC Bank to the public and/or authorities, including financial statements, projections, and other reports relating to MNC Bank’s financial information, including adherence to the standards and accounting policy in the drafting process;

2. reviews compliance with laws and regulations relating to MnC Bank’s activities;

3. Provides independent opinion in the event of disagreements between the Management and the external auditor for services provided by the external auditor;

4. Provides recommendations to the Board of Commissioners regarding the appointment of the external auditor based on independence, scope of the assignment/engagement, and cost of services (fee);

5. encourages the establishment of an adequate Internal control systems in managing MnC Bank by evaluating and giving recommendations on improvement of the Company’s internal control system and its implementation;

KOMITE AuDITAudit Committee

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6. Melakukan penelaahan atas kualitas pekerjaan dan independensi auditor Internal dan auditor eksternal;

7. Melakukan penelaahan tingkat kecukupan upaya Manajemen dalam menindaklanjuti rekomendasi dari hasil pengawasan oleh regulator seperti oJk atau pengawas lainnya;

8. Melakukan penelaahan terhadap aktivitas pengelolaan manajemen risiko dan implementasi GCG yang dilakukan MnC Bank;

9. Melakukan penelaahan atas pengaduan oleh pemangku kepentingan (stakeholders) terhadap MnC Bank, termasuk yang terkait dengan proses akuntansi dan pelaporan keuangan MnC Bank, serta atas hal-hal lain yang dianggap penting oleh Dewan komisaris;

10. Melakukan penelaahan dan memberikan saran kepada Dewan komisaris terkait dengan adanya potensi benturan kepentingan MnC Bank;

11. Menjaga kerahasiaan dokumen, data dan informasi MnC Bank; dan

12. Melaksanakan tugas lain dari Dewan komisaris terkait dengan peran dan tanggung jawab Dewan komisaris.

wewenang Komite Audit1. komite audit berwenang untuk mengakses

dokumen, data dan informasi MnC Bank tentang karyawan, dana, asset dan sumber daya MnC Bank yang berkaitan dengan pelaksanaan tugasnya.

2. Berkomunikasi langsung dengan karyawan termasuk Direksi dan pihak yang menjalankan audit internal, manajemen risiko dan kantor akuntan Publik terkait tugas dan tanggung jawab komite audit.

3. Melibatkan pihak independen di luar anggota komite audit yang diperlukan untuk membantu pelaksanaan tugasnya (jika diperlukan).

4. Melakukan kewenangan lain yang diberikan oleh Dewan komisaris.

Laporan Kegiatan Komite Audit selama Tahun 2016

1. penelaahan atas informasi keuangankomite audit telah melakukan penelaahan dan diskusi dengan manajemen berkenaan dengan laporan keuangan yang akan dipublikasikan

6. reviews the work quality and the independence of the Internal auditor and the external auditor;

7. reviews the adequacy of Management efforts in following up the recommendations of the results of supervision by regulators such as the Financial services authority (Fsa) or other supervisor bodies;

8. reviews the activities of risk management and GCG implementation done by MnC Bank;

9. reviews complaints made by the stakeholders against the Company, including those related to MNC Bank’s accounting process and financial reporting, as well as on other matters that are considered important by the Board of Commissioners;

10. reviews and provides advice to the Board of Commissioners in relation to the potential conflict of interest of MnC Bank;

11. Maintains the confidentiality of MNC Bank’s documents, data and information; and

12. Carry out other tasks given by the Board of Commissioners in relation to the roles and responsibilities of the Board of Commissioners.

Authority of Audit committee1. The audit Committee is authorized to access all

documents, data and information of MnC Bank with regards to human resources of MnC Bank in relevant to its duties.

2. To directly communicate with the employees including the Board of Directors and parties conducted the internal audit, risk management and Public accountant in relevant with roles and responsibilities of audit Committee.

3. To invove independent party from outside of audit Committee to assist the implementation of duties (if necessary).

4. To perform other authority as given by the Board of Commissioners.

Audit committee Activities Report in 2016

1. Review on Financial InformationThe audit Committee reviewed and discussed with the management with regards to the financial statement which will be published, including

KOMITE AuDITAudit Committee

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termasuk berdiskusi dengan kaP dan secara berkala memberikan tanggapan untuk dipublikasikan ke seluruh pemangku kepentingan sesuai peraturan oJk.

secara umum, laporan keuangan MnC Bank relatif andal dan menyajikan hal-hal signifikan sesuai dengan kebijakan dan peraturan yang berlaku. komite audit akan memberikan masukan perbaikan apabila terdapat hal-hal penting yang perlu diperbaiki dalam penyajian laporan keuangan MNC Bank, agar lebih merefleksikan kondisi dan kinerja keuangan MnC Bank yang sesungguhnya sesuai kaidah yang berlaku.

Beberapa catatan penting terkait hal ini yang menjadi perhatian komite audit antara lain adalah:

• secara umum manajemen telah melakukan upaya-upaya agar kinerja MnC Bank dapat mencapai rBB yang telah ditetapkan, ditengah kondisi perekonomian dan perbankan nasional yang kurang kondusif di tahun 2016. secara keseluruhan kinerja MnC bank belum bisa mencapai rBB, kecuali target Total asset, DPk dan nPl.

• Dibandingkan dengan kinerja tahun 2015 (audited), maka kinerja tahun 2016 (sebelum audited) menunjukkan peningkatan yang sangat signifikan, baik dari sisi Aset, Dana Pihak ketiga, kredit, pengendalian nPl dan pengendalian BoPo, walaupun realisasi nIM sedikit mengalami penurunan. Untuk hasil usaha (laba setelah pajak tahun 2016) yaitu sebagai berikut: Profit (loss) after tax tahun 2015 (audited) sebesar rp8,178 Milyar. Untuk tahun 2016 dicapai sebesar rp9,045 Milyar (unaudited) atau selama tahun 2016 terjadi peningkatan laba usaha sebesar rp.867 Juta.

2. penelaahan atas pelaksanaan pemeriksaan oleh Kantor Akuntan publik (KAp).MnC Bank atas rekomendasi komite audit telah menetapkan kaP Deloitte untuk melakukan pemeriksaan atas laporan keuangan MnC Bank dan untuk hal ini telah diadakan meeting dengan komite audit sebanyak dua kali, untuk menyampaikan rencana tujuan, serta menyampaikan progress report-nya.

discussing with the Public accountant and providing periodical consent to be published for all stakeholders based on prevailing regulations.

In general, financial statement of MNC Bank is relatively accountable and provide significant matters in accordance with prevailing policies and regulations The audit Committee will provide improvement inputs to any important matters that need to be fixed in the Financial Statement of MNC Bank hence it can reflects financial condition as well as performance of MnC Bank as per prevailing standards.

Several significant notes with regard to this matter as point of attention of the audit Committee are as follows:• The management, in general has performed

efforts so the MnC Bank performance is able to achieve the rBB as set in the middle of less condusive national banking and economic condition in 2016. In overall, the performance of MnC Bank has not achieved rBB except for the Total asset target, DPk and nPl.

• Compare to the previous 2015 performance (audited), the 2016 performance (unaudited) shows significant improvemen from either from the perspective of asset, Third Party Fund, nPl controlling Credit, and BoPo control, although small decrement on nIM realization. For revenue (profit after 2016 tax) are: Profit (loss) after tax in 2015 (audited) amouting rp8,178 billion. 2016 has achieved rp9,045 billion (unaudited) or equal to business profit incrememt amounting Rp867 milion in 2016.

2. Review on Assesment Implementation by The public AccountantMnC Bank based on recommendation from The audit Committee has determined Deloitte Public accountant to perform assessment on MnC Bank Financial statement and therefore has conducted 2 (two) meetings with the audit Committee to convey the objective plan as well as progress report.

KOMITE AuDITAudit Committee

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komite audit melakukan evaluasi atas kinerja kaP saat ini dan memberikan rekomendasi kepada Dewan komisaris berkenaan dengan penunjukan kaP Perusahaan untuk audit laporan keuangan Perusahaan tahun buku 2017.

3. penelaahan atas aspek pengendalian Intern dan Kepatuhan. Berdasarkan pemeriksaan yang telah dilakukan oleh Internal audit selama Tahun 2016 yang dilakukan sesuai dengan Audit Plan, secara umum pengendalian intern MnC Bank dinilai cukup memadai (adequate) dan cukup efektif dalam implementasinya.

Beberapa perbaikan baik dari sisi disain maupun implementasi atas pengendalian intern MnC Bank perlu terus diupayakan, terutama dalam hal sosialisasi dalam rangka membangun lingkungan pengendalian yang baik, pelaksanaan pengendalian maupun monitoringnya, agar selanjutnya dapat meminimalkan timbulnya kesalahan berulang, persoalan dan kasus operasional, termasuk timbulnya fraud baik dengan pelaku pihak dalam MnC Bank dan/atau melibatkan pihak di luar MnC Bank.

Berikut beberapa hal penting menjadi catatan dan perhatian komite audit sebagai berikut:• Berdasarkan pemeriksaan baik di cabang-

cabang maupun entitas audit lainnya masih terdapat beberapa hal terkait dengan kedisiplinan dan awareness terhadap beberapa basic control, diantarnya baik dalam pemberian kredit maupun dalam aktifitas operasional.

• Berdasarkan laporan Hasil audit dan diskusi dengan segenap pemangku kepentingan, secara umum MnC Bank senantiasa berupaya untuk patuh (comply) terhadap peraturan dan perundang-undangan yang berlaku, serta upaya-upaya manajemen untuk meminimalkan timbulnya denda dari regulator. aspek compliance juga menjadi salah satu topik yang senantiasa dibahas dalam rapat komite audit.

• Temuan pemeriksaan dari Internal audit yang berkaitan dengan pengendalian intern dan kepatuhan senantiasa dibahas dalam meeting komite audit dan dipantau penyelesaiannya.

The audit Committee conducts evaluation for current Public accountant and provides recommendation to the Board of Commissioners on Public accountant to audit the Company’s financial statement for financial year 2017.

3. Review on compliance and Internal control

Based on the audit by the Internal audit for 2016 were carried out in accordance with the audit Plan, in general, the MnC Bank’s internal control was considered good enough (adequate) and is quite effective in its implementation.

some improvements both in the design and implementation of the MnC Bank’s internal control needs to be pursued, particularly in terms of socialization in order to establish a good environment control, the implementation of control and monitoring, in order further minimize the incidence of repeat errors, problems and cases of operations, including the incidence of fraud either with insider of MnC Bank and /or involves parties outside the MnC Bank

Several significant matters as notes and point of attention of the audit Committee are as follows:• Based on the examination either in branches

or other audit entities, there are still several issues related to discipline and awareness of some basic control, both in the delivery of the credit as well as in operational activities.

• Based on audit reports and discussions with all stakeholders, in general, MnC Bank strives to comply with the prevailing laws and regulations, as well as the efforts from the Management to minimize fines from regulators. aspects of compliance are also becoming one of the topics of discussion in the audit Committee meeting.

• The audit findings of the internal audit relevant with the internal control and compliance continue to be discussed in the meeting of the audit Committee and being monitored on the mitigation.

KOMITE AuDITAudit Committee

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• Dalam rangka penerapan tata kelola terintegrasi dalam konglomerasi keuangan, MnC Bank telah ditunjuk sebagai entitas Utama dan untuk hal ini telah dilakukan koordinasi dan pelaporan kepada oJk, sebagai salah satu bentuk kepatuhan terhadap ketentuan regulator.

4. penelaahan atas pelaksanaan pemeriksaan oleh Internal Auditor & Regulator serta tindak lanjutnyaDalam pengembangan dan peningkatan efektivitas fungsi audit intern, komite audit senantiasa melakukan pembinaan melalui pengarahan dan komunikasi, termasuk workshop dan training sesuai kebutuhan.

Berikut beberapa penilaian dan rekomendasi terkait peningkatan fungsi audit intern, diantaranya sebagai berikut:

• Manajemen telah memberikan porsi perhatian dan komitmen yang memadai berkenaan dengan eksistensi fungsi internal audit. Hal ini tercermin dari eksistensi Internal audit dengan jumlah sDM yang relatif memadai.

• komite audit mencatat upaya yang sungguh-sungguh dari tim Internal audit, serta melakukan perbaikan berkelanjutan untuk terus meningkatkan kinerjanya. secara umum kinerja dan peran Internal audit menunjukkan hal yang positif dan bernilai tambah bagi manajemen dan pemangku kepentingan lainnya.

• Metode risk based audit berdasarkan proses bisnis (business process risk audit) hendaknya segera diimplementasikan dan diupayakan untuk terus dikembangkan.

• Untuk audit tahun selanjutnya, Internal audit diharapkan lebih mewaspadai penurunan kualitas kredit dan significant issues terkait perkreditan, antara lain dengan melakukan review/ audit khusus atas debitur-debitur besar dan agar lebih fokus pada bidang perkreditan sedangkan bidang lain dapat menjadi prioritas apabila high risks.

• In the framework of integrated governance implementation within financial conglomerates, the MnC Bank has been appointed as the Main entities, therefore, coordination and reporting to the Fsa has been conducted, as a form of compliance with regulatory provisions.

4. Review the implementation of audit by the Internal Auditor and regulators and its follow-upsIn the development and improvement of the effectiveness of the internal audit function, the audit Committee continues to provide guidance through directives and communications, including workshops and training as needed.

Here are some assessments and recommendations regarding the improvement of the internal audit function, including the following:

• Management has given adequate portion of attention and commitment with regard to the existence of the internal audit function. This is reflected in the existence of Internal Audit with a relatively sufficient amount of human resources.

• The audit Committee noted on earnest efforts of the Internal audit, and make continuous improvement to constantly improve its performance. In general, the unit’s role and performance shows positive and value-added results for management and other stakeholders.

• The risk based audit method as per business process should be immediately implemented and continuously developed

• To audit the following year, the Internal audit is expected to be more alert to the decline in credit quality and the significant issues related to credit, among others by reviewing / special audit of big debtors, and to be more focus on the areas of credit, while other areas may be a priority if high risks.

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RekomendasiDalam rangka peningkatan efektifitas pengelolaan MnC Bank, komite audit merekomendasikan namun tidak terbatas hal-hal sebagai berikut:

1. agar Dewan komisaris selalu mengingatkan kepada Direksi untuk selalu meningkatkan akuntabilitas MnC Bank.

2. Mendorong Direksi untuk selalu menyesuaikan Standard Operating Procedures (“SOP”) sesuai dengan kondisi terkini dan melengkapi soP apabila diperlukan.

3. Mendorong Direksi untuk meningkatkan kualitas pemberian kredit, mulai dari inisiasi kredit sampai dengan pelunasan kredit.

4. Mendorong Direksi selalu memantau profil risiko dan meningkatkan pengelolaan risikonya.

5. Mendorong Direksi senantiasa memperhatikan pencapaian target yang ditetapkan dalam rBB.

6. Mendorong Direksi untuk selalu melaksanakan pengarahan dari oJk setelah pelepasan status pengawasan intensif, baik melalui tindak lanjut atas temuan audit oJk maupun action plan yang disampaikan pada oJk.

7. Mendorong Direksi untuk selalu memperhatikan hasil audit oleh Internal audit, terutama masalah-masalah yang krusial dan belum terselesaikan, memonitor tindak lanjutnya, meningkatkan pengendalian intern dan mencegah agar temuan-temuan internal audit tidak terulang lagi sehingga menjadi temuan oJk.

8. agar Dewan komisaris selalu mengingatkan Direksi untuk selalu meningkatkan integritas MnC Bank.

9. Mendorong Direksi untuk meningkatkan peran dan Fungsi kepatuhan serta satuan kerja kepatuhan sehingga potensi risiko kegiatan usaha MnC Bank dapat diantisipasi lebih dini.

10. Mendorong Direksi untuk meningkatkan manajemen sDM, dari mulai rekrutmen, peningkatan kompetensi hingga manajemen kinerja.

11. skaI untuk terus meningkatkan kualitas laporan audit agar dapat memberikan nilai tambah, dengan laporan yang lebih komprehensif, lebih kritis dan spesifik, serta memberikan rekomendasi yang tepat sehingga temuan audit internal tidak akan terulang kembali.

RecommendationIn order to increase the effectiveness of the management of MnC Bank, the audit Committee recommended, but not limited to the following matters:

1. The Board of Commissioners should always remind the Board of Directors to always increase the accountability of the MnC Bank.

2. encourage Board of Directors to always adjust the Standard Operating Procedures (“SOP”) according to current conditions and complements the soP if necessary.

3. encourage the Board of Directors to improve the quality of credit, strating from credit initiation until the loan repayment.

4. encouraging the Board of Directors to constantly monitor the risk profile and improving risk management.

5. encouraging the Board of Directors to always pay attention to the achievement of the targets set in the rBB.

6. encourages the Board of Directors to always carry out the directives of the oJk prior to the release status of intensive supervision, either through a follow-up on audit findings of the OJK as well as the action plan submitted to the oJk.

7. encourage the the Board of Directors to always pay attention to the results of an audit by the Internal audit, especially issues crucial and unresolved, monitor follow-up, improving internal controls and prevent internal audit findings are not repeated so that it becomes the findings of the OJK.

8. In order for the Board of Commissioners to remind the Board of Directors to always improve the integrity of the MnC Bank.

9. encourage the Board of Directors `to enhance the role and function of Compliance and the compliance unit so that the potential risk of the MnC Bank’s business activities can be anticipated earlier.

10. encourage the Board of Directors to improve human resource management, from recruitment, increased competence to performance management.

11. skaI to continuously improve the quality of audit reports in order to provide added value, with a more comprehensive report, more critical and specific, and provide appropriate recommendations so that the internal audit findings will not happen again.

KOMITE AuDITAudit Committee

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Dasar HukumDalam melaksanakan tugas dan tanggung jawabanya komite remunerasi dan nominasi dilakukan berdasarkan PoJk no.55/PoJk.03/2016 tanggal 7 Desember 2016 tentang Penerapan Tata kelola bagi Bank Umum serta PoJk no.34/PoJk.04/2014 tanggal 8 Desember 2014 tentang komite nominasi dan remunerasi emiten atau Perusahaan Publik.

piagam Komite Nominasi & Remunerasi Dalam melaksanakan tugas dan tanggung jawabnya, komite remunerasi dan nominasi MnC Bank telah dilengkapi pedoman kerja yang ditetapkan dalam Piagam komite remunerasi dan nominasi. Piagam komite remunerasi dan nominasi tersebut disusun

Legal ReferencesIn carrying out the duties and responsibilities of the remuneration and nomination Committee based PoJk no.55/PoJk.03/2016 dated 7 December 2016 on the Implementation of Corporate Governance for Commercial Banks and PoJk no.34/PoJk.04/2014 dated 8 December 2014 on the nomination and remuneration Committee of Public Companies.

Nomination & Remuneration committee charter In carrying out its duties and responsibilities, the remuneration and nomination MnC Bank completed work guidelines set out in the Charter of the remuneration and nomination Committee. remuneration and nomination Committee Charter was

KOMITE NOMINASI & REMUNERASINomination & Remuneration Committee

Komite Nominasi dan Remunerasi dibentuk oleh dan bertanggung-jawab kepada Dewan Komisaris dalam melakukan fungsi dan tugas yang berhubungan dengan Nominasi dan Remunerasi anggota Direksi dan anggota Dewan Komisaris. Tujuan pembentukan Komite juga untuk membantu tugas Dewan Komisaris beserta anggotanya dalam melakukan pengawasan terhadap pelaksanaan proses Nominasi dan Remunerasi agar berjalan secara obyektif, efektif dan efisien serta untuk meningkatkan kualitas, kompetensi dan tanggung jawab Direksi dan Dewan Komisaris dalam mencapai visi Perseroan.The Nomination and Remuneration Committee is established by and responsible to the Board of Commissioners to help perform its function and responsibilities that is associated with Nomination and Remuneration of the Board of Directors and Board of Commissioners. The Committee is also formed to assist the duties of the Board of Commissioners and its members in the supervision process of the implementation of Nomination and Remuneration objectively, effectively and efficiently in order to enhance quality, competency, and responsibility of the Board of Directors and Board of Commissioners to achieve the vision of MNC Bank.

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berdasarkan peraturan dan perundang-undangan yang berlaku dan senantiasa ditinjau ulang secara berkala dan telah disahkan oleh Dewan komisaris pada Mei 2015.

Komposisi dan Profil Komite Nominasi & Remunerasikomite nominasi dan remunerasi terdiri dari paling kurang 3 (tiga) anggota dengan ketentuan:

· 1 (satu) orang ketua yang merangkap anggota dan juga seorang komisaris Independen; dan

· anggota lainnya dapat berasal dari:a. angota Dewan komisaris;b. Pihak yang berasal dari luar MnC Bank; atauc. Pihak yang menduduki jabatan manajerial di

bawah Direksi yang membidangi sDM.

sampai dengan 31 Desember 2016, komposisi dan profil Komite Nominasi dan Remunerasi MNC Bank adalah sebagai berikut.

Eko B. Supriyantoketua komite nominasi & remunerasi | Chairman of nomination & remuneration CommitteeProfil Bapak Eko B. Supriyanto adalah yang sebagaimana terdapat dalam Profil Dewan Komsiaris pada halaman 64 laporan Tahunan

Profile of Mr. Eko B. Supriyanto is as elaborated under Profile of the Board of Commissioners in page 64 of this annual report.

purnadi Harjonoanggota komite nominasi & remunerasi | Member of nomination & remuneration CommitteeProfil Bapak Purnadi Harjono adalah yang sebagaimana terdapat dalam Profil Dewan Komsiaris pada halaman 64 laporan Tahunan

Profile of Mr. Eko B. Supriyanto is as elaborated under Profile of the Board of Commissioners in page 64 of this annual report.

Laily Fitrisekretaris merangkap anggota komite nominasi & remunerasi | secretary and Member of nomination & remuneration CommitteeMeraih gelar sarjana akuntansi Universitas Brawijaya Malang. saat ini bertanggung jawab sebagai Human resources Group serta menjadi anggota merangkap sekretaris komite nominasi dan remunerasi sejak 1 april 2015.

Perjalanan karir sebelumnya pernah menjabat berbagai posisi di Human resource Division – Citibank n.a. Indonesia (1996-2014) termasuk didalamnya sebagai pengurus Dana Pensiun Citibank n.a. selain itu sempat berkarir di PT Trakindo Utama sebagai Human Capital shared services (HCss) senior Manager. sebelum memasuki dunia perbankan sempat berkarir sebagai auditor dan Tax analyst di kantor akuntan Publik (1992-1996).

obtained a Bachelor of accounting from the University of Brawijaya Malang. Currently in charge of Group Human resources and serves as member and secretary of the nomination and remuneration Committee since 1 april 2015.

she previously serves several positions in the Human resource Division – Citibank n.a. Indonesia (1996-2014) including as Pension Fund board management of Citibank n.a. also worked with PT Trakindo Utama as Human Capital shared services (HCss) senior Manager. Prior to working in banking, she served as auditor and Tax analyst in Public accountant Firm (1992-1996).

formulated based on the regulations and legislation in force and continue to be periodically reviewed and has been approved by the Board of Commissioners on May 2015.

Nomination & Remuneration committee Compositions and ProfilesThe nomination and remuneration Committee must consist of at least 3 (three) members with the requirements of:· 1 (one) Chairman that acts as a member and is an

Independent Commissioner; and· other members can be from:

a. Member of Board of Commissioners;b. a party outside of MnC Bank; orc. a party that is in managerial level under

the Board of Directors in division of Human resources.

as of 31 December 2016, the following are the composition and profiles of MNC Bank’s Nomination and remuneration Committee:

KOMITE NOMINASI & REMuNERASINomination & Remuneration Committee

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Keanggotaan dan Masa Jabatan anggota komite nominasi dan remunerasi dapat diangkat dan diberhentikan berdasarkan keputusan rapat Dewan komisaris. anggota komite nominasi dan remunerasi diangkat untuk masa jabatan tertentu dan dapat diangkat kembali.

Masa jabatan anggota komite nominasi dan remunerasi tidak boleh lebih lama daripada masa jabatan Dewan komisaris sesuai dengan anggaran dasar. Penggantian anggota komite nominasi dan remunerasi yang bukan berasal dari Dewan komisaris dilakukan paling lambat 60 (enam puluh) hari sejak anggota tersebut dianggap tidak dapat lagi melakukan tugasnya.

Independensi & persyaratan Komite Nominasi & Remunerasianggota komite nominasi dan remunerasi MnC Bank’s yang ditunjuk telah memenuhi syarat independensi dengan kriteria sebagai berikut:

1. anggota lainnya dari komite nominasi dan remunerasi (selain ketua) sebagian besar tidak dapat berasal dari pihak yang menduduki jabatan manajerial di bawah Direksi yang membidangi sDM.

2. Jumlah anggota lain adalah < 50% berasal dari pihak yang menduduki jabatan manajerial di bawah Direksi yang membidangi sDM.

3. anggota komite nominasi dan remunerasi yang berasal dari luar MnC Bank tidak boleh mempunyai hubungan afiliasi dengan MNC Bank, anggota Direksi, anggota Dewan komisaris atau Pemegang saham Utama MnC Bank.

4. anggota komite nominasi dan remunerasi harus memiliki pengalaman terkait nominasi dan/atau remunerasi.

5. anggota komite nominasi dan remunerasi tidak dapat merangkap sebagai anggota komite lainnya yang dimiliki MnC Bank.

6. anggota Direksi MnC Bank tidak dapat menjadi anggota komite nominasi dan remunerasi.

Membership and Terms of OfficeMembers of nomination and remuneration Committee can be appointed and dismissed based on the decision of the Board of Commissioners Meeting. Members of nomination and remuneration Committee are appointed for a certain period of time (and can be re-elected.

The term of office of the members of the Nomination and remuneration Committee must not be longer that the term of office of the Board of Commissioners determined in the article of association. The replacement of a member of the nomination and remuneration Committee who is not from the Board of Commissioners, shall be done no later than 60 (sixty) days since the member considered can no longer perform his duties.

Nomination & Remuneration committee Independence & RequirementsMnC Bank’s nomination and remuneration Committee members has been appointed based on the indepence requirements with the following criteria:

1. Most of the members of the nomination and remuneration Committee (other than the Chairman) must not be from the officers that are in managerial level under the Board of Directors in division of Human resources.

2. number of other members <50% are from a party that is in managerial level under the Board of Directors in division of Human resources.

3. The party that is from the outside of MnC Bank must not have any affiliation with MNC Bank, Board of Directors, Board of Commissioners or the shareholders of MnC Bank.

4. Members of the nomination and remuneration Committee must have experience related to nomination and/or remuneration.

5. Members of the nomination and remuneration Committee must not be in concurrent position to other Committees in MnC Bank.

6. Members of Board of Directors cannot be a member of the nomination and remuneration Committee.

KOMITE NOMINASI & REMuNERASINomination & Remuneration Committee

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Tabel Independensi Komite Remunerasi dan Nominasi Table of Independence of the nomination and remuneration Committee

Aspek Independensiaspect of Independence

Eko B. Supriyanto

purnadi Harjono Laily Fitri

Tidak memiliki hubungan keuangan dengan Dewan komisaris dan DireksiDoes not have a financial relationship with the Board of Commissioners and Board of Directors

√ √ √

Tidak memiliki hubungan kepengurusan di MnC Bank, anak perusahaan, maupun perusahaan afiliasiDoes not have any management relationship in MnC Bank, subsidiaries or affiliated companies

√ √ √

Tidak memiliki hubungan kepemilikan saham di MnC BankDoes not have any share ownership relationship in MnC Bank

√ √ √

Tidak memiliki hubungan keluarga dengan Dewan komisaris, Direksi dan/atau sesama anggota komite auditDoes not have any family relationshop with the Board of Commissioners, Directors and/or fellow members of the audit Committee

√ √ √

Tidak menjabat sebagai pengurus partai politik, pejabat dan PemerintahDoes not serve as a political parties and government officials

√ √ √

Kebijakan, Frekuensi & Kehadiran Rapat Komite Nominasi & Remunerasi

Kebijakankebijakan rapat komite nominasi dan remunerasi didasarkan pada Piagam komite nominasi dan remunerasi, yang menentukan hal-hal berikut ini:

· rapat komite nominasi dan remunerasi diselenggarkan secara berkala paling sedikit 1 (satu) kali tiap 4 (empat) bulan.

· rapat komite nominasi dan remunerasi hanya dapat dilakukan bila:a. Dihadiri oleh mayoritas dari jumlah komite

nominasi dan remunerasi; danb. salah satu dari mayoritas komite nominasi

dan remunerasi merupakan ketua komite.

Frekuensi dan Kehadiran Rapat Komite Nominasi & Remunerasiselama 2016, komite nominasi dan remunerasi melaksanakan 6 (enam) kali rapat, dengan frekuensi dan tingkat kehadiran sebagai berikut:

policy, Frequencies & Attendance of Nomination & Remuneration committee Meetings

policyThe policy of the nomination and remuneration Committee Meeting refers to the nomination and remuneration Committee Charter, which stipulated the following:

· nomination and remuneration Committee meeting is regularly hosted at least 1 (one) time every 4 (four) months.

· nomination and remuneration Committee meetings can only be done if:a. attended by a majority of the number of

nomination and remuneration Committee; and

b. one of the majorities of the nomination and remuneration Committee is the Chairman.

Nomination & Remuneration committee Meetings Frequency and AttendanceDuring 2016, the nomination and remuneration Committee convened 6 (six) times, with the following frequency and members’ attendance:

KOMITE NOMINASI & REMuNERASINomination & Remuneration Committee

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Namaname

JabatanPosition

Status IndependensiIndependence status

Jumlah RapatTotal Meetings

Jumlah Kehadiranattendance

%

eko B. supriyanto ketuaChairman

IndependenIndependent

6 6 100

Purnadi Harjono anggotaMember

non-Independennon-Independent

6 6 100

laily Fitri sekretaris/anggotasecretary/Member

IndependenIndependent

6 6 100

pelatihan & workshop

Materi pelatihanTraining Material

Tanggal pelatihanDate of Training

pelaksanaInstituion

peserta dari Anggota Komite

Participant from Member of audit Committee

Penyusunan kebijakan remunerasi Perbankan dan Penentuan Material Risk TakerDevelopment of Banking remuneration Policy and Determination of risk Taker Material

- 27 oktober 2016 - Info Bank laily Fitri

Tugas & Tanggung JawabTugas dan tanggung jawab komite nominasi:

a. Menyusun dan memberikan rekomendasi mengenai sistem dan prosedur pemilihan dan/atau penggantian anggota Dewan komisaris dan Direksi kepada Dewan komisaris untuk disampaikan kepada rUPs.

b. Membuat sistem penilaian dan memberikan rekomendasi mengenai calon anggota Dewan komisaris dan/atau Direksi kepada Dewan komisaris untuk disampaikan kepada rUPs,

c. Melaporkan hasil pelaksanaan tugasnya termasuk memberikan rekomendasi kepada Dewan komisaris.

Trainings and workshops

Duties & ResponsibilitiesThe duties and responsibilities of the nomination Committee:a. Develop and provide recommendations on

systems and procedures and/or replacement of members of the Board of Commissioners and Board of Directors to the Board of Commissioners to be submitted to the GMs,

b. Develop a scoring system and provide recommendations on prospective members of the Board of Commissioners and/or Board of Directors to the Board of Commissioners to be submitted to the GMs,

c. report the results of the tasks implementation including provide recommendations to the Board of Commissioners.

KOMITE NOMINASI & REMuNERASINomination & Remuneration Committee

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Tugas dan tanggung jawab komite remunerisasi:

a. Melakukan evaluasi terhadap kebijakan remunerasi, menyusun sistem penggajian dan pemberian tunjangan serta rekomendasi kepada pemegang saham tentang:- Penilaian terhadap sistem tersebut;- opsi yang diberikan, antara lain opsi atas

saham;- sistem pensiun;- sistem kompensasi serta manfaat lainnya.

b. Memberikan rekomendasi kepada Dewan komisaris mengenai kebijakan remunerasi bagi anggota Dewan komisaris dan Direksi untuk disampaikan kepada rUPs.

c. Memberikan rekomendasi kepada Dewan komisaris mengenai kebijakan remunerasi bagi pejabat eksekutif dan karyawan secara keseluruhan untuk disampaikan kepada Direksi.

d. Melaporkan hasil pelaksanaan tugasnya termasuk memberikan rekomendasi kepada Dewan komisaris.

Laporan Kegiatan Komite Nominasi & Remunerasi selama Tahun 2016

Tanggal | Date pembahasan | Discussion16 Maret | March 2016 1. evaluasi pencapaian kinerja MnC Bank | evaluation of MnC Bank’s performance

achievement2. evaluasi kinerja BoD | evaluation of the BoD’s performance3. kPI 2016 4. Pedoman evaluasi kinerja dan gaji karyawan | Guidelines of employees

performance evaluation and salary5. Pengunduran diri komisaris Utama | resignment of President Commissioner

22 Maret | March 2016 1. Total remunerasi Direksi | Board of Directors’ Total remuneration2. review honorarium Dewan komisaris | review of the Board of Commissioners’

honorarium

26 april 2016 Usulan perubahan susunan Board of Commissioners (BoC) | Proposal of the changes of the Board of Commissioners’ composition

26 april 2016 nominasi calon komisaris | Candidate nomination of Commissioner

23 agustus | august 2016

1. Penilaian kinerja MnC Bank tengah tahun 2016 | MnC Bank’s mid year 2016 performance assessment

2. Pilot project struktur organisasi cabang | Pilot project of branch organizational structure

3. review honorarium anggota komite | review of committee members’ honorarium

30 november 2016 Target pencapaian MnC Bank tahun 2017 | MnC Bank’s 2017 performance target

The tasks and responsibilities of the remuneration Committee:a. evaluate the remuneration policy, develop a

system of remuneration and allowances as well as a recommendation to the shareholders about:- assessment of the system,- options granted, among other options on

shares,- Pension systems, and- The system of compensation and other

benefits.b. Provide recommendations to the Board of

Commissioners regarding the remuneration policy for members of the Board of Commissioners and Board of Directors to be submitted to the GMs.

c. Provide recommendations to the Board of Commissioners regarding the remuneration policy for executive officers and employees to be submitted to the Board of Directors.

d. report the results of the tasks implementation including provide recommendations to the Board of Commissioners

Nomination & Remuneration committee Activities Report in 2016

KOMITE NOMINASI & REMuNERASINomination & Remuneration Committee

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komite Pemantau risiko (Risk Oversight Committee /roC) adalah komite yang dibentuk oleh Dewan komisaris dalam rangka membantu pelaksanaan tugas dan tanggung jawab Dewan komisaris sehubungan dengan pelaksanaan fungsi pengawasan aktif terhadap penerapan manajemen risiko di MnC Bank termasuk didalamnya membantu Dewan komisaris dalam melakukan pengawasan, dan evaluasi terhadap pelaksanaan kebijakan strategis.

Dasar Hukum pembentukanroC dibentuk dengan mengacu kepada :a. PBI no.5/8/PBI/2003 tanggal 19 Mei 2003 tentang

Penerapan Manajemen risiko Bagi Bank Umum.b. PBI no.11/25/PBI/2009 tentang perubahan atas PBI

no.5/8/PBI/2003 Tentang Penerapan Manajemen risiko Bagi Bank Umum

c. seBI no.5/21/DPnP tanggal 29 september 2003 perihal Penerapan Manajemen risiko Bagi Bank Umum.

d. PoJk no.18/PoJk.03/2016 tentang Penerapan Manajemen risiko Bagi Bank Umum.

e. seBI no.15/15/DPnP tanggal 29 april 2003 perihal Pelaksanaan Good Corporate Governance bagi Bank Umum.

f. PoJk no.55/PoJk.03/2016 tentang Penerapan Tata kelola Bagi Bank Umum

piagam RocDalam melaksanakan tugas dan tanggung jawabnya, roC telah dilengkapi dengan pedoman kerja yang ditetapkan dalam Piagam komite Pemantau risiko yang telah disahkan pada tanggal 31 Maret 2015.

Komposisi dan Profil ROC struktur dan keanggotaan terkini dari roC adalah berdasarkan keputusan rapat Dewan komisaris Diluar rapat tanggal 26 Mei 2016 yang pelaksanaannya di lakukan melalui surat keputusan Direksi no.skeP-005/MnCB/DIr/05-16 tanggal 26 Mei 2016 sebagai berikut:

risk oversight Committee (roC) is a committee established by the Board of Commissioners in order to support the roles and responsibilities of the Board of Commissioners in relevant with effective supervision of risk management in MnC Bank including to assist the Board of Commissioners to supervise, direct, monitor and evaluate the implementation of strategic policies.

Legal Basis of Establishment The roC is established by referring to :a. PBI no.5/8/PBI/2003 dated 19 May 2003 on

the Implementation of risk Management for Commercial Banks.

b. PBI no.11/25/PBI/2009 concerning the amendment of PBI no.5/8/PBI/2003 on the Implementation of risk Management for Commercial Banks.

c. seBI no.5/21/DPnP dated 29 september 2003 concerning the Implementation of risk Management for Commercial Banks.

d. PoJk no.18/PoJk.03/2016 concerning the Implementation of risk Management for Commercial Banks.

e. seBI no.15/15/DPnP dated 29 april 2003 on the Implementation of Good Corporate Governance for Commercial Banks.

f. PoJk no.55/PoJk.03/2016 on the Implementation of Corporate Governance for Commercial Banks.

Roc charter In carrying out its tasks and responsibilities the roC has been equipped with guidelines as set out in the roC Charter that has been ratified on March 31, 2015.

Composition and Profile of ROC The recent structure as well as membership of roC is based on Circular Decision of the Board of Commissioners 26 May 2016 in which implementation has been done through the Board of Directors Decree no.skeP-005/MnCB/DIr/05-16 dated 26 May 2016 as follows:

KOMITE pEMANTAU RISIKoRisk Oversight Committee

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Eko B. Supriyantoketua yang merangkap anggota | Chairman and Member Profil Bapak Eko B. Supriyanto adalah yang sebagaimana terdapat dalam Profil Dewan Komsiaris pada halaman 64 laporan Tahunan

Profile of Mr. Eko B. Supriyanto is as elaborated under Profile of the Board of Commissioners in page 64 of this annual report.

purnadi Harjono anggota | MemberProfil Bapak purnadi Harjono adalah yang sebagaimana terdapat dalam Profil Dewan Komisaris pada halaman 64 laporan Tahunan

Profile of purnadi Harjono is as elaborated under Profile of the Board of Commissioners in page 64 of this annual report.

Rusli witjahjono anggota | MemberProfil Bapak Rusli witjahjono adalah yang sebagaimana terdapat dalam Profil Dewan Komsiaris pada halaman 64 laporan Tahunan

Profile of Rusli witjahjono is as elaborated under Profile of the Board of Commissioners in page 64 of this annual report.

Mohammad Sumarsono anggota | MemberMengawali karir di perbankan tahun 1985. Posisi di operasional yang pernah ditempati diantaranya bidang kredit, customer service (front office), akuntansi (back office) dan Internal Control. Tahun 1999 dipercaya sebagai bagian dari Tim Merger Bank Mandiri bidang akuntansi. Tahun 2000 hingga hingga 2013 bergabung dengan kantor akuntan Publik yang cukup dikenal yang memiliki klien BUMn-BUMn sebagai senior konsultan, disamping itu juga dari tahun 2000 tersebut telah memulai karir sebagai Dosen di beberapa perguruan tinggi dan Instruktur di beberapa pelatihan publik. Tahun 2013 hingga saat ini masuk dalam jabatan struktural di Perbanas Institute sebagai kepala Biro. Memiliki background pendidikan bidang akuntansi yang pada tahun 1985 sampai dengan 1987 mendapatkan pendalaman/pendidikan akuntansi di lembaga Manajemen Fakultas ekonomi Universitas Indonesia.

He began his banking career in 1985. some of the operational positions he held were in credit area, customer service (front office), Accounting (back office) and Internal Control. He was trusted to be part of Bank Mandiri Merger Team in accounting in 1999. In 2000 up to 2013, he worked at a Public accounting Firm with BUMn client as a senior Consultant, and also from 2000 has started a career as a lecturer at several universities and instructors at several public training. since 2013 until present, he holds structural positions in PerBanas Institute as Bureau Chief. He has educational background in accounting and in 1985 to 1987 get further ccounting education at lembaga Manajemen Fakultas ekonomi, University of Indonesia.

Arifin S. Haris sekretaris merangkap anggota | secretary and MemberMenjabat sebagai anggota komite Pemantau risiko sejak 2007. latar belakang pendidikan formal Baccaleureat I Universitas Gajah Mada dan sarjana Ilmu ekonomi dari Universitas Muhammadiyah pada tahun 1972, berbagai pendidikan profesi perbankan dalam dan luar negeri. Pengalaman bekerja lebih dari 15 tahun di bidang keuangan dan manajemen perbankan khususnya Manajemen risiko, sebagai assistant Manager Bank american express (1986-1988), Branch Manager di Bank BsB Jakarta (1988-1991), Direktur Manajemen risiko PT. InG Bank Jakarta (1995-1998), Direktur risk Management Bank Bnn (1998-1999), Managing Director aaJ Batavia Financial Consultant (2000-2002), Deputy Chief risk offcer di Bank Commonwealth Indonesia (2006-2007). Memliki sertifikasi Instruktur Manajemen Risiko dan Manajemen risiko dari BsMr (2006).

serves as a Member of the risk oversight Committee since 2007. Background of formal education was Baccaleureat I Gajah Mada University and a Bachelor of economics from the University of Muhammadiyah in 1972, a variety of banking professional education domestic and abroad. Has experiences of working more than 15 years in nance and banking management industry, especially in risk Management, as an assistant Manager of american express Bank (1986-1988), Branch Manager at Bank BsB Jakarta (1988-1991), Director of risk Management at PT. InG Bank Jakarta (1995-1998), Director of risk Management at Bank Bnn (1998-1999), Managing Director at aaJ Batavia Financial Consultant (2000-2002), Deputy Chief risk offcer at Commonwealth Bank Indonesia (2006-2007). Has a risk Management Instructor certi cation in risk Management from BsMr (2006).

KOMITE PEMANTAu RISIKORisk Oversight Committee

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Tugas dan Tanggung Jawab1. Melakukan evaluasi tentang kesesuaian antara

kebijakan manajemen risiko dengan pelaksanaan kebijakan dan memberikan rekomendasi kepada Dewan komisaris mengenai kebijakan manajemen risiko untuk memastikan bahwa MnC Bank telah mengelola risiko-risiko secara memadai;

2. Melakukan pemantauan dan evaluasi pelaksanaan tugas komite Manajemen risiko (kMr) dan satuan kerja Manajemen risiko (skMr) untuk selanjutnya memberikan rekomendasi kepada Dewan komisaris guna meningkatkan efektivitas pelaksanaan manajemen risiko MnC Bank;

3. Menyampaikan rekomendasi kepada Dewan komisaris atas kebijakan yang telah diambil oleh Direksi berkaitan dengan manajemen risiko, antara lain kebijakan-kebijakan yang terkait dengan risiko kredit, risiko Pasar, risiko likuiditas, risiko operasional, risiko Hukum, risiko stratejik, risiko kepatuhan dan risiko reputasi;

4. Melakukan penilaian atas situasi yang diperkirakan dapat membahayakan kelangsungan usaha MnC Bank, agar selanjutnya dapat dilaporkan oleh Dewan komisaris kepada otoritas Jasa keuangan dalam kurun waktu yang ditetapkan.

Independensi Rocseluruh anggota roC :1. Tidak memiliki hubungan keuangan dengan

Dewan komisaris dan Direksi.

2. Tidak memiliki hubungan kepengurusan di MnC Bank, anak perusahaan maupun perusahaan afiliasi.

3. Tidak memiliki hubungan kepemilikan saham di perusahaan.

4. Tidak memiliki hubungan keluarga dengan Dewan komisaris, Direksi dan/atau sesama anggota komite audit.

5. Tidak menjabat sebagai pengurus partai politik, pejabat dan pemerintah.

Kebijakan, Frekuensi & Kehadiran Rapat RocBerdasarkan Piagam, roC mengadakan rapat sekurang-kurangnya 6 (enam) kali dalam setahun dengan persyaratan korum kehadiran sekurang-kurangnya 2/3 (dua per tiga) dari jumlah anggota roC termasuk seorang komisaris Independen.

Roles and Responsibilities 1. To evaluate the conformity between risk

management policies with the implementation of policies and provide recommendations to the Board of Commissioners regarding the risk management policies to ensure that MnC Bank has been managing the risks adequately;

2. Monitoring and evaluating the implementation of the risk Management Committee (rMC) and the risk Management Unit (skMr) to further provide recommendations to Board of Commissioners in order to improve the effectiveness of risk management;

3. Providing recommendations to Board of Commissioners on policies that have been taken by the Board of Directors relating to risk management, including policies related to Credit risk, Market risk, liquidity risk, operational risk, legal risk, strategic, risk Compliance and reputation risk ;

4. Perform an assessment of the expected situations which can jeopardize business continuity of MnC Bank, hence could be further reported by the Board of Commissioners to the Financial services Authority in certain specified the period.

Independency of Rocall members of roC:1. Do not have any financial relationship with

the Board of Commissioners and the Board of Directors.

2. Do not have management relationship with MnC Bank, subsidiaries or affiliated companies.

3. Do not have any Company’s shares ownership.

4. Do not have family relationship with the Board of Commissioners, the Board of Directors and/or fellow members of audit Committee.

5. Do not serve as political party and government officials.

Roc Meeting policy, Frequency and AttendanceBased on the Charter, the roC shall convene a meeting at least 6 (six) times a year, with quorum requirement of at least 2/3 (two thirds) of the members including an Independent Commissioner.

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The roC may invite the Board of Directors and/or Group Head, executives relevant with topic of discussions.

Decision-making is based on consensus and if there is no consensus then the decision of the meeting must be approved by more than 50% (fifty percent) of the ROC members that are present.

The summary of meeting is minuted under Minutes of Meeting signed by all roC members and documented by the roC secretarial. all copy of minutes of meeting are submitted to members of risk Management Commitee, roC members and Board of Commissioners.

The Minutes of Meeting must include :1. Any Dissenting opinion” that occurred clearly and

the reasons for such dissent.

2. opinions from various parties that are present, among others, include an opinion on the report of “self-assessment” made by the Risk Management Unit on the Bank’s Health/rBBr and other opinion related to the discussion on the meeting agenda.

During 2016, the roC has convened 11 meetings with the following attendance :

KOMITE PEMANTAu RISIKORisk Oversight Committee

roC dapat mengundang Direksi, dan/atau Group Head, Pejabat eksekutif yang terkait dengan masalah yang dibahas dalam rapat roC.

Pengambilan keputusan berdasarkan musyawarah mufakat dan apabila tidak terdapat musyawarah mufakat maka keputusan rapat harus disetujui oleh lebih dari 50% (lima puluh per seratus) jumlah anggota roC yang hadir.

Hasil rapat dicatat dalam risalah rapat yang ditandatangani oleh semua anggota roC dan di dokumentasikan oleh sekretariat roC. semua salinan risalah rapat disampaikan kepada anggota komite Manajemen risiko, anggota roC, Direksi dan Dewan komisaris.

risalah rapat juga wajib mencantumkan:1. Perbedaan pendapat (disenting opinion) yang

terjadi secara jelas beserta alasan perbedaan pendapat tersebut

2. Pendapat dari berbagai pihak yang hadir antara lain mencakup pendapat terhadap laporan hasil “self assessment” yang dibuat oleh SKMR tentang Penilaian Tingkat kesehatan Bank/rBBr dan pendapat lain terkait dengan pembahasan dalam agenda rapat.

sepanjang tahun 2016, roC telah mengadakan rapat sebanyak 11 kali dengan tingkat kehadiran anggota sebagai berikut:

Nama name

Jabatan Dalam KomitePosition in Committee

Jumlah RapatTotal Meeting

Jumlah Kehadiran

Total attendance

Tingkat Kehadiran

attendance %

eko B. supriyanto ketua merangkap anggota 11 7 64%

Bambang ratmanto *) ketua merangkap anggota 11 4 100%

Purnadi Harjono anggota | Member 11 9 82%

rusli Witjahjono**) anggota | Member 11 4 100%

Arifin S. Haris anggota | Member 11 11 100%

M. sumarsono anggota | Member 11 11 100%Catatan l notes: )* Terhitung mulai tanggal 3 Mei 2016 tidak lagi sebagai anggota karena telah mengundurkan diri sebagai komisaris Utama/komisaris Independen/

as of 3 May 2016 no longer servce as member due to his resignation as President Commissioner/ Independent Commissioners )** sebagai komisaris Independen baru sejak persetujuan dari oJk pada bulan agustus 2016./ In his capacity as Independent Commissioners

upon oJk approval in august 2016.

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Laporan Tata Kelola perusahaanCorporate Governance report

Keikutsertaan Direksi/ Business Head dan Komite Audit dalam Rapat RocParticipation of Board of Directors/ Business Head and audit Commtee in roC Meeting

Dihadiri oleh Direksi/Business Head | attended by the Board of Directors/ Business Head

Bulan | Month

1 2 3 4 5 6 7 8 9 10 11 12Benny Purnomo v v v v -

Nerfita Primasari v v v v v v v v -

Benny Helman v

Widiatama Bunarto v v -

Chisca Mirawati v v v v v -

rita Montagna v -

Dihadiri oleh Audit committee | attended by the audit Committee

Nama | name Bulan | Month

1 2 3 4 5 6 7 8 9 10 11 12eko B. supriyanto v v -

soenarso v v v v v v v -

Dwi sasongko v v v v v v v v v -

eddy Yantho v v -

pelaksanaan tugas dan tanggung Jawab Roc Tahun 2016Dalam pelaksanaan tugas dan tanggung jawabnya, roC sepanjang tahun 2016 memfokuskan pemantauan pada hal-hal berikut : 1. Penilaian Profil Risiko MNC Bank

Penilaian faktor profil risiko merupakan penilaian terhadap risiko inheren yang berpotensi mempengaruhi posisi keuangan MnC Bank, serta penilaian kualitas penerapan Manajemen risiko.

risiko inheren dinilai dengan menggunakan parameter/ indikator internal sesuai dengan karakteristik dan kompleksitas usaha MnC Bank, sedangkan penilaian kualitas penerapan manajemen risiko mencerminkan kecukupan sistem pengendalian risiko.

Penilaian profil risiko tahu 2016 dilakukan melalui Self-assessment terhadap 8 (delapan) jenis risiko. Penilaian komposit profil risiko per 31 Desember 2016 berada pada peringkat 3 (tiga).

Implementation of Roles and Responsibilities of Roc In performing its duties and responsibilities, the roC throughout 2016 focus on monitoring of the following:

1. Assessment of risk profileAssessment on risk factor profile is an assessment of the inherent risks that could potentially affect MnC Bank’s financial position, as well as evaluating the quality of implementation of risk Management.

Inherent risk is assessed by using the parameter/ internal indicators according to the characteristics and complexity of MnC Bank, while the quality of risk management ratings reflects the adequacy of the risk control system.

The 2016 risk profile assessment was carried out through a self-assessment against the 8 (eight) kind of risks. The risk profile composite assessment as of 31 December 2016 is at rank 3 (three).

KOMITE PEMANTAu RISIKORisk Oversight Committee

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Tabel Hasil penilaian Risiko MNc Bankresults of risk assessment MnC Bank

No Jenis RisikoType of risk

30.06.2016 31.12.2016

TrendTingkat Risikorisk level

Tingkat Risikorisk level

1 kredit | Credit Moderate Moderate stable

2 Pasar | Market low to Moderate low to Moderate stable

3 likuiditas | liquidity low to Moderate low to Moderate stable

4 operasional | operational Moderate Moderate stable

5 Hukum | legal low to Moderate low to Moderate stable

6 strategis | strategic Moderate Moderate stable

7 kepatuhan | Compliance low to Moderate low to Moderate stable

8 reputasi | reputation low to Moderate low to Moderate stable

Predikat risiko Bank secara keseluruhanoverall Bank risk Predicate

Moderate Moderate stable

2. Penilaian GCG.Penilaian faktor GCG merupakan panilaian terhadap kualitas manajemen atas pelaksanaan prinsip-prinsip GCG yang berpedoman pada ketentuan BI/oJk. Penilaian dilaksanaan berdasarkan analisis terhadap: a. Pelaksanaan prinsip GCG.b. kecukupan tata kelola atas struktur, proses

dan outcome.c. Informasi lain terkait dengan GCG.

Berdasarkan penilaian aspek pelaksanaan GCG, governance structure, governance process dan governance outccome, berjalan dengan “Baik”.

3. Penilaian rentabilitas.Kinerja Rentabilitas dinilai “Cukup Memadai”. Parameter/ indikator yang digunakan untuk melakukan penilaian rentabilitas, yakni:a. kinerja Bank dalam menghasilkan laba dengan

melihat tingkat roa, nIM, dan komponen laba dalam meningkatkan permodalan serta Pencapaian rencana Bisnis Bank (rBB).

b. sumber-sumber yang mendukung rentabilitas.c. Sustainability komponen-komponen yang

mendukung rentabilitas dan Manajemen rentabilitas. Penilaian dilakukan dengan mempertimbangkan tingkat, trend, struktur dan stabilitas rentabilitas.

2. GCG assessment GCG factor assessment is an assessment of the quality of management on the implementation of corporate governance principles in accordance with the provisions of BI / Fsa. assessment is implemented based on an analysis of:a. Implementation of GCG principles.b. The adequacy of governance structure,

process and outcome.c. additional information relevant with corporate

governance.

Based on the assessment of GCG implementation, the governance structure, process and outcome, ranked “Good”.

3. Assessment of Profitability.Profitability performance was rated “Self-sufficient”. Parameters/ indicators used to assess the profitability, namely:a. Bank performance in generating profits by

looking at the level of ROA, NIM and profit component in raising capital as well as achievement Business Plan (rBB).

b. Sources that support profitability.c. sustainability components that support

profitability and profitability management. assessment is done by considering the levels, trends, structure and stability of earnings.

KOMITE PEMANTAu RISIKORisk Oversight Committee

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Laporan Tata Kelola perusahaanCorporate Governance report

4. Penilaian Permodalan Penilaian atas faktor permodalan meliputi evaluasi terhadap kecukupan permodalan dan kecukupan pengelolaan permodalan yang mengacu pada ketentuan tentang kPMM yang dikaitkan dengan profil risiko. Semakin tinggi profil risiko semakin besar modal yang harus disediakan oleh Bank.

Untuk tahun 2016, MnC Bank memiliki kualitas dan kecukupan permodalan yang “Memadai”.

5. Penilaian Peringkat komposit Tingkat kesehatan Bank (TkB)Peringkat komposit TkB ditetapkan melalui analisis terhadap peringkat setiap faktor dengan memperhatikan prinsip umum penilaian TkB, serta kemampuan Bank dalam menghadapi perubahan kondisi eksternal yang signifikan. OJK dapat menurunkan peringkat komposit TkB dalam hal ditemukan permasalahan atau pelanggaran yang secara signifikan mempengaruhi operasional dan kelangsungan usaha Bank dan perselisihan intern yang mempengaruhi operasional dan kelangsungan usaha Bank.

seluruh hasil dan rekomendasi atas pelaksanan tugas pemantauan oleh roC telah dilaporkan kepada Dewan komisaris.

4. Capitalization ratean assessment of the capital factor include an evaluation towards the adequacy of capital and capital management by referring to the provision of the kPMM, which is associated with the risk profile. The higher the risk profile leads to greater capital that must be provided by MnC Bank.

For 2016, MNC Bank has “Adequate” quality and adequacy of capital.

5. assessment of Composite rating of the Bank (TkB)TkB composite rating determined through an analysis of each factor ratings by taking into account on general principles of TkB assessment, as well as the ability of MnC Bank in facing the significant changes in external conditions. FSA can lowered the composite of TKB on the finding of problems or violations that significantly affect MnC Bank’s operations and business continuity and internal dispute affecting the operations and business continuity of MnC Bank.

all the results and recommendations regarding the conduct of the task of monitoring by roC has been reported to the Board of Commissioners.

KOMITE PEMANTAu RISIKORisk Oversight Committee

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pELAKSANAAN KEpATUHAN TAHUN 2016MnC Bank melaksanakan Fungsi kepatuhan dengan berpedoman pada PBI no.13/2/PBI/2011 tanggal 12 Januari 2011 tentang Pelaksanaan Fungsi kepatuhan Bank Umum.

Dalam rangka melaksanakan Fungsi kepatuhan, MnC Bank telah menunjuk salah satu anggota Direksi sebagai Direktur yang membawahkan fungsi kepatuhan (Direktur kepatuhan). Untuk membantu pelaksanaan tugas Direktur kepatuhan tersebut, telah dibentuk satuan kerja kepatuhan. satuan kerja kepatuhan bertanggung jawab langsung kepada Direktur kepatuhan. satuan kerja kepatuhan bersifat independen, yaitu dibentuk secara tersendiri dan bebas dari pengaruh satuan kerja lainnya, serta mempunyai akses langsung pada Direktur kepatuhan. satuan kerja kepatuhan selain bertanggung jawab terhadap pelaksanaan Fungsi kepatuhan, juga bertanggung jawab terhadap pelaksanaan ketentuan Penerapan anti Pencucian Uang dan Pencegahan Pendanaan Terorisme (aPU dan PPT).

Pelaksanaan kepatuhan MnC Bank sepanjang tahun 2016 dipaparkan dalam laporan kepatuhan yang dibuat secara berkala setiap semesteran dan dilaporkan kepada Bank Indonesia dengan mengacu kepada peraturan yang berlaku.

laporan kepatuhan mencakup penilaian atas komponen sebagai berikut :

IMpLEMENTATIoN oF coMpLIANcE IN 2016MnC Bank perform the Compliance Function based on PBI no.13/2/PBI/2011 dated 12 January 2011 about the Implementation of Compliance Function Commercial Bank.

In the implementation of Compliance Function, MnC Bank has appointed one of members of the Board of Directors as the Director in charge of compliance function (Compliance Director). To assist the duties implementation of the Compliance Director, a Compliance Unit has been established. The Compliance Unit are directly responsible to the Compliance Director. The Compliance Unit is independent, namely formed independently and free from influence of other units, and have direct access to the Compliance Director. In addition to be responsible in Compliance Function, the Compliance Unit are also responsible on the implementation of anti Money laundering and Countering of Terrorism Financing (aMl and CTF) rules.

Compliance Implementation of MnC Bank throughout 2016 are disclosed in Compliance reports which made periodically every semester and reported to Bank Indonesia with reference to the prevailing regulations.

Compliance report includes an assessment of the following components:

FuNGSI KEpATUHAN

Compliance Function

Komponen Laporan Kepatuhan

Compliance report Components

Januari – Juni 2016January – June 2016

Juli – Desember 2016July – December 2016

Pemantauan kepatuhan terhadap rasio keuangan Utama | Compliance Monitoring on Main Financial ratios

Capital adequacy ratio (Car) :Berada diatas ketentuan minimal yang dipersyaratkan oleh oJk, yaitu paling rendah 10% sampai dengan < 11% dari ATMR untuk Bank dengan profil risiko peringkat 3 (tiga). | above minimum stipulation of oJk, which is the lowest of 10% up to < 11% from MNC Bank’s RWA for risk profile of level 3 (three).

rasio non Performing loan (nPl) :rasio nPl netto MnC Bank selalu berada dalam batas yang diperkenankan yaitu maksimal 5% dari Total kredit. | The net nPl ratio of MnC Bank is always within the allowed limit at maximum of 5% of Total loans

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Laporan Tata Kelola perusahaanCorporate Governance report

Komponen Laporan Kepatuhan

Compliance report Components

Januari – Juni 2016January – June 2016

Juli – Desember 2016July – December 2016

rasio Giro Wajib Minimum (GWM) rupiah dan Valas | Mandatory Minimum Clearing ratio of rupiah and Forex

GWM Primer di atas batas minimum ketentuan Bank Indonesia yang berlaku, yaitu sebesar 7,5% (periode 1 Januari-15 Maret 2016). | Primary GWM is above the minimum limit as regulated by regulation of Bank Indonesia at 7,5% (period of 1 January - 15 March 2016).

GWM sekunder dalam rupiah selalu berada di atas batas minimum ketentuan Bank Indonesia yang berlaku, yaitu sebesar 4%. GWM Valas selama periode Januari – Juni 2016 selalu berada di atas batas minimum ketentuan Bank Indonesia yang berlaku, yaitu sebesar 8%. | secondary GWM in rupiah remained above the minimum threshold allowed by provisions of Bank Indonesia, which amounted to 4%. Forex during the period of January - June 2016 was above the minimum threshold provisions of Bank Indonesia, which amounted to 8%.

rasio Giro Wajib Minimum (GWM) rupiah dan Valas | Mandatory Minimum Clearing ratio of rupiah and Forex

GWM Primer di atas batas minimum ketentuan Bank Indonesia yang berlaku, yaitu sebesar 6,5% (periode 16 Maret 2016). | Primary statutory reserve above minimum limits of the prevailing Bank Indonesia rules, namely at 6.5% (period of 16 March 2016).

rasio Posisi Devisa netto (PDn) | Foreign exchange ration Position (PDn):selalu berada dalam batas yang diperkenankan oleh Bank Indonesia, yaitu maksimal 20% dari Modal Bank | remained within the limits allowed by Bank Indonesia, a maximum of 20% of Capital Bank

loan to Funding ratio (lFr):Terdapat lFr yang lebih kecil dari batas bawah lFr Target yang ditetapkan Bank Indonesia, sehingga MnC Bank wajib membentuk GWM lFr dalam rupiah sebesar perhitungan antara parameter Disinsentif Bawah dengan selisih antara lFr Bank dan lFr Target. | occurrence of smaller lFr than the bottom limit as set by Bank Indonesia, hence MnC Bank is required to establish the GWM lFr in rupiah with the calculation amount between Bottom Disincentive with the discrepancy between the lFr of Bank and lFr target.

Pemantauan kepatuhan terhadap rancangan kebijakan, Prosedur, Produk dan/atau aktivitas Bank | Compliance Monitoring on Draft of Policy, Procedure, Product and/or Bank activity

Terdapat kajian terhadap 48 rancangan kebijakan serta produk dan/atau aktivitas MnC Bank. | review towards 48 draft of policies as well as product and/or activities of MnC Bank.

Terdapat kajian terhadap 10 rancangan kebijakan serta produk dan/atau aktivitas Bank | review towards 10 draft of policies as well as product and/or activities of MnC Bank.

Pemantauan kepatuhan terhadap Proses Penyediaan Dana | Compliance Monitoring on Provision of Funds process

Berdasarkan hasil review yang telah dilakukan oleh skk terhadap 65 proposal kredit dengan plafond di atas rp25 Miliar 1. Tidak ditemukan pemberian kredit yang

melanggar ketentuan Batas Maksimum Pemberian kredit;

2. Tidak ditemukan pemberian kredit untuk tujuan pengadaan dan/atau pengolahan tanah kepada pengembang;

3. Tidak ditemukan pemberian kredit kepada Pihak asing

Based on review by skk on 65 credit proposal with limit threshold more than rp25 Billion: 1. no credit was given with value more than the

Maximum lending limit.2. no credit was given for the purpose of procuring

and/ or processing of land to developers;3. no credit was given to Foreign Party.

Berdasarkan hasil review yang telah dilakukan oleh skk terhadap 106 proposal kredit dengan plafond di atas rp25 Miliar 1. Tidak ditemukan pemberian kredit yang

melanggar ketentuan Batas Maksimum Pemberian kredit;

2. Tidak ditemukan pemberian kredit untuk tujuan pengadaan dan/atau pengolahan tanah kepada pengembang;

3. Tidak ditemukan pemberian kredit kepada Pihak asing.

Based on review by skk on 106 credit proposal with limit threshold more than rp25 Billion: 1. no credit was given with value more than

the Maximum lending limit.2. no credit was given for the purpose of

procuring and/ or processing of land to developers;

3. no credit was given to Foreign Party.

FuNGSI KEPATuHANCompliance Function

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Komponen Laporan Kepatuhan

Compliance report Components

Januari – Juni 2016January – June 2016

Juli – Desember 2016July – December 2016

Pemantauan kepatuhan lainnya | other Compliance Monitoring

Dilakukan atas : 1. Biaya Pendidikan dan Pelatihan Tenaga kerja.2. Sertifikasi Manajemen Risiko.

Conducted on:1. Cost of labor education and Training.2. Risk Management Certification.

langkah - langkah untuk Meningkatkan Budaya kepatuhan. | actions Items to Increase Compliance Culture

sosialisasi atas 53 peraturan dari regulator yang baru diterbitkan melalui media email blast (Compliance News) dan melakukan aktivitas kepatuhan lain antara lain:a. sosialisasi ketentuan Bank Indonesia

tentang Transaksi Valuta asing terhadap rupiah antara Bank dengan Pihak Domestik kepada petugas di kantor cabang dan unit kerja di kantor Pusat

b. Melakukan langkah-langkah untuk memitigasi terjadinya keterlambatan pelaporan kepada regulator melalui Compliance report Monitoring (italic yg bahasa inggris)

c. Memastikan bahwa surat-surat pembinaan dari oJk /BI ditindaklanjuti dengan benar dan tepat waktu.

socialization on 53 new issued regulations of regulators via e-mail blast media (Compliance news) and other compliance activities, among others:a. socialization of Bank Indonesia regulation

with regards to Foreign exchange against rupiah Transactions between MnC Bank and Domestic Parties to the clerk at the branch offices and work units at Headquarters.

b. Undertake measures to mitigate delays in reporting to regulators via Compliance report Monitoring

c. ensuring that the letters of guidance from the oJk/ BI followed correctly and on time.

sosialisasi atas 74 peraturan regulator yang baru diterbitkan melalui media email blast (Compliance News) dan melakukan aktivitas kepatuhan lain yaitu: a. sosialisasi ketentuan Bank Indonesia tentang

Transaksi Valuta asing terhadap rupiah antara Bank dengan Pihak Domestik kepada petugas di kantor cabang dan unit kerja di kantor Pusat

b. Melakukan langkah-langkah untuk memitigasi terjadinya keterlambatan pelaporan kepada regulator melalui Compliance report Monitoring (italic yang bahasa inggris)

c. Memastikan bahwa surat-surat pembinaan dari oJk /BI ditindaklanjuti dengan benar dan tepat waktu.

socialization on 74 new issued regulations of regulators via e-mail blast media (Compliance news) and other compliance activities, among others:d. socialization of Bank Indonesia regulation with

regards to Foreign exchange against rupiah Transactions between MnC Bank and Domestic Parties to the clerk at the branch offices and work units at Headquarters.

e. Undertake measures to mitigate delays in reporting to regulators via Compliance report Monitoring

f. ensuring that the letters of guidance from the oJk/ BI followed correctly and on time

sanksi regulator | sanction from regulator

selama semester I/2016 terdapat pembebanan sanksi denda dari regulator sebesar rp7.300.000,00 yang merupakan merupakan pelanggaran yang bersifat administratif akibat adanya human error dan telah dilakukan perbaikan oleh Bank. | During the semester I / 2016 there were penalties from the regulator amounting rp7.300.000,00 which falls under administrative sanction due to human error and further improvements have been made by Bank.

selama semester II/2016 terdapat pembebanan sanksi denda dari regulator sebesar rp118.600.000,00 yang merupakan merupakan pelanggaran yang bersifat administratif akibat adanya human error dan telah dilakukan perbaikan oleh Bank. | During the semester II / 2016 there were penalties from the regulator amounting rp118.600.000,00 which falls under administrative sanction due to human error and further improvements have been made by Bank.

FuNGSI KEPATuHANCompliance Function

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Laporan Tata Kelola perusahaanCorporate Governance report

Dasar HukumPoJk no.35/PoJk/2014 tanggal 8 Desember 2014 perihal sekretaris Perusahaan emiten atau Perusahaan Publik. Profil Sekretaris Perusahaan

Andri Latifsekretaris Perusahaan | Corporate secretaryandri latif, 46, Warga negara Indonesia, memperoleh gelar Magister Hukum dari Fakultas Hukum Universitas Indonesia pada tahun 2009. Posisi yang pernah dijabat sebelumnya di dalam Bank adalah sebagai Corporate legal and Corporate affair Head Bank (Maret 2013 – Maret 2014); Corporate legal Officer Bank (September 2012- Maret 2013); Treasury, Int’l Banking, Trade Finance and non credit Transaction legal (Desember 2011 – september 2012); Commercial Credit and Corporate legal Business Department Head, Commercial and Corporate Business Legal Officer (Mei 2005 – Juni 2008).

andri latif, 46, Indonesian Citizen, holds a Master of law from the Faculty of law, University of Indonesia in 2009. Positions held before in MnC Bank were as Corporate legal & Corporate affairs Head of the Bank (March 2013 – March 2014); Corporate Legal Officer of the Company (September 2012-March 2013); Treasury, Int’l Banking, Trade Finance & non Credit Transaction legal (December 2011 – september 2012); Commercial Credit & Corporate legal Busines Department Head, Commercial & Corporate Business Legal Officer (May 2005 - June 2008).

Struktur Sekretaris perusahaan sekretaris Perusahaan berada dan bertanggung jawab kepada Presiden Direktur.

Legal ReferencesPoJk no.35/PoJk/2014 dated 8 December 2014 regarding Corporate secretary of Issuers or Public Companies.

Corporate Secretary Profile

corporate Secretary StructureCorporate secretary is structured and responsible to the President Director

SEKRETARIS pERUSAHAANCorporate Secretary

Sekretaris Perusahaan memiliki tujuan dan fungsi untuk mengelola tugas dan peran sebagai penghubung antara MNC Bank dengan Pemegang Saham, Pemangku Kepentingan, otoritas pasar modal, dan masyarakat, sesuai dengan peraturan perundang-undangan yang berlaku. MNC Bank telah menunjuk Andri Latif sebagai Sekretaris Perusahaan melalui keputusan Direksi no.040/MTS-HRG/III/14 tanggal 25 Maret 2014

The Corporate Secretary holds strategic purposes and functions to manage duties, and role as liaison between MNC Bank with the Shareholders, Stakeholders, capital market authorities and public in accordance with the applicable laws. MNC Bank has appointed Andri Latif as Corporate Secretary through Board of Directors decision no.040/MTS-HRG/III/14 tanggal 25 Maret 2014.

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SEKRETARIS PERuSAHAANCorporate Secretary

president Director

corporate communication Division Head

corporate Affairs & corporate Legal Division Head

corporate communication

corporate Secretary

corporate Affairs corporate Legal

Board of Directors Secretary Administration

pengembangan profesiGuna memperkaya kompetensi sekretaris Perusahaan dan memperluas pengetahuan serta mengikuti perkembangan pasar modal terkini, sekretaris Perusahaan telah mengikuti pelatihan, seminar, dan workshop selama tahun 2016, ringkasannya sebagai berikut:

Topik pelatihanTraining Topics

TanggalDate

TempatVenue

peranroles

Manager Forum xxV 26 agustus 2016 Jakarta Corporate secretary

Training leadership 18 Februari 2016 Jakarta Corporate secertary

Sertifikasi Manajmen Risiko (level 4) 2 Juni 2016 Jakarta Corporate secretary

Tax amnesty 5 september 2016 Jakarta Corporate secretary

Manager Forum xxVI 18 november 2016 Jakarta Corporate secretary

keterbukaan Informasi bagi emiten/Perusahaan Publik

15 nopember 2016 Jakarta Corporate secretary

Tugas dan Tanggung JawabTugas dan tanggung jawab sekretaris Perusahaan secara umum adalah termasuk namun tidak terbatas pada hal-hal sebagai berikut: · Mengikuti perkembangan pasar modal, khususnya

peraturan perundang-undangan yang berlaku di bidang pasar modal.

· Memberikan masukan kepada Direksi dan Dewan komisaris untuk mematuhi peraturan perundang-undangan di bidang Pasar Modal.

· Membantu Direksi dan Dewan komisaris dalam pelaksanaan GCG termasuk:

professional DevelopmentIn a commitment to enhance competency and expanding knowledge as well as following current development of capital market, during 2016 the Corporate secretary was participating in the following trainings, seminars, and workshops:

Duties and ResponsibilitiesIn general, duties and responsibilities of the Corporate secretary are including but not limited to those things, as follow:· Following updates of the capital market, especially

the applicable legislation of capital market;

· Provide advices to the Board of Directors and Board of Commissioners to comply to the laws and regulations in the capital market;

· assist the Board of Directors and Board of Commissioners in implementing of GCG, including:

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a. Melakukan keterbukaan informasi kepada publik, termasuk ketersediaan informasi dalam situs Web MnC Bank.

b. Penyampaian laporan kepada oJk secara tepat waktu.

c. Penyelenggaraan dan dokumentasi rUPs.

d. Penyelenggaraan dan dokumentasi rapat Direksi dan/atau Dewan komisaris dan

e. Pelaksanaan program orientasi kepada Perseroan untuk Direksi dan/atau Dewan komisaris.

· Bertindak sebagai penghubung antara MnC Bank dengan Pemegang saham, oJk dan pemangku kepentingan lainnya.

· Mewakili MnC Bank dalam korespondensi dengan otoritas pasar modal sesuai dengan kewenangan yang diberikan oleh Perseroan.

pelaksanaan Tugas Sekretaris perusahaan Tahun 20161. Menyelenggarakan rUPsT.2. Menyelenggarakan rUPslB sebenyak 3 (tiga) kali.3. Menyelenggarakan Public Expose mandatory

tahunan.4. Menyelenggarakan kegiatan rapat Direksi dan

Dewan komisaris.5. Membuat keputusan Direksi.6. Melakukan pelaporan-pelaporan yang menjadi

kewajiban MnC Bank sebagai perusahaan terbuka kepada regulator.

7. Melakukan liputan aktivitas seremonial korporasi.8. Melaksanakan kegiatan Csr serta edukasi dan

literasi.

a. Disclose information to the public, including the availability of information on the website of MnC Bank.

b. submission of reports to the Financial services authority in a timely manner.

c. The implementation and documentation of the GMs.

d. The implementation and documentation of the meeting of the Board of Directors and/or Board of Commissioners and

e. Implementation of orientation program to the Board of Directors and/or Board of Commissioners of MnC Bank.

· acting as a liaison between MnC Bank and the shareholders, Financial services authority and other stakeholders;

· representing MnC Bank in correspondence with the capital market authority pursuant to the authority granted by MnC Bank.

Implementation of corporate Secretary Duties in 20161. organizing the aGMs.2. organizing 3 (three) times of the eGMs.3. organizing the annual mandatory Public expose.

4. organizing the Meetings of the Board of Directors and Board of Commissioners.

5. Preparing the Board of Directors Decrees.6. reporting of the MnC Bank’s obligatory reports as

public company to the regulators.

7. Coverage of the corporate ceremonial activities.8. Implementing Csr activities including education

and literacy.

SEKRETARIS PERuSAHAANCorporate Secretary

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Dasar HukumFungsi audit Internal telah dibentuk MnC Bank berdasarkan PoJk no.56/PoJk.04/2015 tanggal 23 Desember 2015 tentang Pembentukan dan Pedoman Penyusunan Piagam Unit audit Internal.

piagam Audit Internal Dalam menjalankan fungsinya, audit Internal memiliki Piagam audit (Audit Internal Charter) yang disahkan oleh Direktur Utama dan Dewan komisaris pada april 2016, hal ini selain diatur oleh Bank Indonesia melalui sPFaIB (standar Pelaksanaan Fungsi audit Internal Bank), juga sesuai dengan standard internasional yang bersumber pada The Professional Practice Framework dari Institute of Internal Auditors.

Kepala Audit InternalDivisi audit Internal dipimpin oleh edi alpian, beliau menjabat sebagai kepala Internal audit Perseroan sejak tahun 2012. Berikut ringkasan profil.

Legal ReferencesMnC Bank has in place the Internal audit functions established based on regulation of the Financial services authority no.56/PoJk.04/2015 dated December 23, 2015 on the establishment and Guidelines of the Internal audit Charter.

Internal Audit charterIn performing its tasks, the Internal audit is equipped with an Internal audit Charter endorsed by the President Director and the Board of Commissioners in april 2016, aside from regulated by Bank Indonesia through sPFaIB (Bank Internal audit Function Implementation standards), also in accordance with international standards that originates in The Professional Practice Framework of the Institute of Internal auditors.

Head of Internal Audit The Internal audit Division is led by edi alpian, he serve as the Company’s Internal audit Head since 2012. Below is his brief profile.

uNIT AuDIT INTERNAL

Internal Audit unit

Audit Internal adalah bagian dari pengendalian internal, yang secara garis besar bertujuan membantu manajemen merealisasikan objektif/sasarannya melalui pemeriksaan kecukupan dan pelaksanaan proses pengendalian internal, manajemen risiko dan tata kelola perusahaan. Ruang lingkup audit meliputi seluruh aspek dan unsur kegiatan MNC Bank yang langsung ataupun tidak langsung diperkirakan dapat mempengaruhi terselenggaranya kepentingan MNC Bank dan masyarakat.

Internal Audit is part of internal control, which is broadly aimed at helping management to realize MNC Bank’s objective/target through examination of the adequacy and implementation of internal control processes, risk management and corporate governance. The scope of the audit included all aspects and elements of the MNC Bank’s activities that directly or indirectly can influence the implementation of the MNC Bank and the public interest.

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Edi Alpiankepala Divisi audit Internal | Head of Internal audit UnitWarga negara Indonesia, 48 tahun. Menjabat sebagai kepala satuan kerja audit Internal PT MnC Bank Internasional Tbk sejak tahun 2012. selain memiliki latar belakang pendidikan sarjana ekonomi bidang akuntansi, beliau juga memegang sertifikasi profesi internasional dari GARP, maupun sertifikasi profesi nasional (QIa, Manajemen risiko level 4). sebelum bergabung di MnC Bank Internasional, pernah berkarir di PT. Bank Internasional Indonesia (BII – 2004 – 2007), Badan Penyehatan Perbankan nasional/BPPn (1999– 2004), PT. Bank Dana asia (1995 – 1999) dan PT. Bank Indo Monex (1993 – 1995), yang sebagian besar dalam bidang audit Internal.

Indonesian citizen, 48 years. serves as Head of Internal audit Unit of PT MnC Bank Internasional Tbk since 2012. In addition to having an educational background in accounting Bachelor of Economics, he also has international certification (Certified in Banking risk and regulation - GarP) and national (QIa, BsMr level 4). Prior to joining International MnC Bank, he had a career in PT. Bank Internasional Indonesia (BII - 2004 to 2007), the Indonesian Bank restructuring agency/BPPn (1999-2004), PT. Bank asia Fund (1995 - 1999), PT. Bank Indo Monex (1993 - 1995), which are all in the field of Internal Audit.

pihak yang Mengangkat dan Memberhentikan Ketua Audit Internalsesuai standar Pelaksanaan Fungsi audit Internal Bank Umum (sPFaIB), yang merupakan bagian dari PBI no.1/6/PBI/1999 tanggal 29 september 1999 tentang Penugasan Direktur kepatuhan dan Penerapan standar Pelaksanaan Fungsi audit Internal Bank Umum, maka kepala audit Internal /skaI diangkat dan diberhentikan oleh Direksi Bank dengan persetujuan dari Dewan komisaris dan dilaporkan kepada Bank Indonesia.

Kualifikasi Unit Audit Internalseluruh personel audit Internal MnC Bank telah memenuhi kualifikasi yang sebagaimana ditetapkan dalam PoJk no.56/PoJk.04/2015.

Struktur & Komposisi Unit Audit Internal audit Internal merupakan bagian dari struktur organisasi MnC bank yang mempunyai fungsi independen dan bertanggung jawab serta melaporkan langsung kepada Direktur Utama dan Dewan komisaris melalui komite audit. auditor yang duduk dalam Unit audit Internal bertanggung jawab secara langsung kepada kepala Unit audit Internal.

setiap pengangkatan, penggantian atau pemberhentian kepala Unit audit Internal segera diberitahukan kepada oJk

kedudukan audit Internal tercermin dalam struktur organisasi sebagai berikut.

Authorized people who Appoint and Dismiss The Head of Internal AuditIn accordance with the Internal audit Function Implementation standards for Commercial Bank (sPFaIB), which is part of Bank Indonesia regulation no.1/6/PBI/1999 dated 29 september 1999 on the assignment of Compliance Director and Implementation of Internal audit standards for Commercial Banks, the head of the Internal audit/skaI appointed and dismissed by the Board of Directors of MnC Bank with the approval of the Board of Commissioners and reported to Bank Indonesia.

Internal Audit Qualificationsall personnel of Internal audit Unit has met the qualifications as stipulated in the Financial Services authority regulation no.56/PoJk.04/ 2015.

Structure & composition of Internal Audit Unit Internal audit is part of MnC bank’s organizational structure which has an independent function and responsible and report directly to the President Director and the Board of Commissioners through the audit Committee. auditors who are member of the Internal audit is responsible directly to the head of the Internal audit.

every appointment, replacement or dismissal of the head of the Internal Audit immediately notified to the oJk.

The structure of Internal Audit is reflected in the organization structure as follows.

uNIT AuDIT INTERNALInternal Audit unit

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Board of commissioners

president Director

Director compliance Director

Audit committee

Internal Audit

Struktur dan Kedudukan Divisi Audit Internal | Internal audit Division structure and status

KomposisiPer 31 Desember 2016, personel auditor Internal berjumlah 14 (empat belas ) orang yang terbagi dalam dalam 4 (empat) divisi dan 1 (satu ) Quality Assurance sebagai berikut :a. Business auditb. Head Office Auditc. operation & Information Technology auditd. special audit / Fraud Investigatione. Quality assurance

posisi | Position Jumlah personel | Total Personnel

1. kepala Unit audit Internal | Head of Internal audit Unit 1

2. kepala Divisi Business audit | Head of Business audit Division 1

3. auditor Divisi Business audit | auditor of Business audit Division 2

4. Auditor Divisi Head Office Audit | Auditor of Head Office Audit Division

1

5. kepala Divisi operation & Information Technology audit Head of operations & Information Technology audit Division

1

6. auditor Divisi operation & Information Technology auditauditor of operations & Information Technology audit Division

3

7. auditor Divisi special audit / Fraud Investigationauditor of special audit / Fraud Investigation Division

2

8. kepala Divisi Quality assurance | Head of Quality assurance Division 1

9. Officer Quality Assurance 1

10. staff Quality assurance 1

pelatihanUntuk meningkatkan kompetensi audit Internal secara berkesinambungan sehingga memberikan nilai tambah (value added) bagi perusahaan, maka selama tahun 2016 seluruh auditor telah diikut sertakan dalam program pelatihan dan sertifikasi.

sampai dengan akhir tahun 2016, audit Internal telah memperoleh berbagai sertifikasi kompetensi baik internasional maupun nasional seperti International in Banking Risk and Regulation / CBrr dari GarP (1

compositionas of 31 December 2016, MnC Bank’s Internal audit Unit consists of 14 (fourteen) as divided into 4 (four) division and 1 (one) Quality assurance as follows:a. Business auditb. Head Office Auditc. operation & Information Technology auditd. special audit / Fraud Investigatione. Quality assurance

TrainingsTo improve the sustainable competence of the Internal audit as well as to provide added value (value added) for the company, during 2016 all auditors have been included in the training and certification program.

as of the end of 2016, the Internal audit has obtained various certifications of competence both international and national such as the International in Banking risk and Regulation / CBRR of GARP (1 Auditor), Qualified

uNIT AuDIT INTERNALInternal Audit unit

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auditor), Qualified of Internal Audit / QIa (2 auditor), sertifikasi Manajemen Risiko level 4 (1 auditor), level 3 (4 auditor) dan level 2 (8 auditor).

Daftar pelatihan yang diikuti oleh personel audit Internal sepanjang 2016 adalah sebagai berikut:

pelatihanTrainings

pesertaParticipants

TanggalDate

TempatVenues

penyelenggaraorganizers

Critical point dalam perkreditanCritical point in lending

Maria Carolina 25-26 Februari 2016

25-26 February 2016

Hotel ambhara IaIB

Training Basic Trade Finance arie sanchaya novinius siregar erna syamsiati einlade Priyosutanto rahayu Desmiyarsi

16 Februari ‘1616 February ‘16

Fincen lt. 13 HrG

Training Basic Trade Finance (Batch 2)

Pandu Haryanto 15 Maret ‘1615 March ‘16

Fincen lt. 13 HrG

Training Pembekalan Sertifikasi Manajemen risiko (level 3)Risk Management Certification Training (level 3)

abdul kholiq arie sanchaya Pandu Haryanto khairudin Daulay

10-11 Mei 201610-11 May 2016

Fincen lt. 13 HrG

Training Pembekalan Sertifikasi Manajemen risiko (level 2)Risk Management Certification Training (level 2)

sita Citra Hapsari 17-18 Mei 201617-18 May 2016

Fincen lt. 13 HrG

refreshment BsMr level 2 Maria Carolina einlade Priyosutanto rahayu Desmiyarsi achmad Wahyyu

28 Mei ‘1628 May ‘16

Fincen lt. 13 lsPP

Training Pembekalan Sertifikasi Manajemen risiko (level 4)Risk Management Certification Training (level 4)

edi alpian C 2-3 Juni 20162-3 June 2016

Fincen lt. 13 HrG

Training GCG: aPU & PPT, risk awareness, anti Fraud

Maria Carolina 22 Februari ‘1622 February ‘16

Fincen lt. 13 HrG

auditing Cyber security serie: sIeM Implementation & Monitoring Capabilities

edi alpian. C Pandu Haryanto

8 Maret ‘168 March ‘16

epiwalk-rasuna said

IsaCa

Training Pajak: PPh Pasal 21/26 (dan praktek perhitungan. Pk 09.00-12.00

Taxes Training: Withholding Tax articles 21/26 (and calculation practices). at 09.00 am – 12.00 pm

novinius siregar rahayu Desmiyarsi

12 april ‘16 Fincen lt. 13 HrG

of Internal Audit / QIA (2 Auditor) certification Risk Management level 4 ( 1 auditor), level 3 (4 auditor) and level 2 (8 auditor).

Trainings followed by Internal audit Personel during 2016 are as follows:

uNIT AuDIT INTERNALInternal Audit unit

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pelatihanTrainings

pesertaParticipants

TanggalDate

TempatVenues

penyelenggaraorganizers

Training Pajak: PPh Pasal 23/25, PPh pasal 4 ayat 2, PPn dan PPh Pasal 25 (pemahaman & case) pk. 13.15-16.30

Taxes Training: Withholding Tax articles 23/25, article 4 clause 2, VaT and Withholding Tax article 25 (understanding and cases). at 13.15 – 16.30 pm

novinius siregar rahayu Desmiyarsi

12 april ‘16 Fincen lt. 13 HrG

Quality assurance audit Internal

abdul kholiq 27-28 april 2016 Jakarta YPIa

Workshop Banking Fraud audit Investigation

suhendratno 23-24 Mei 201623-24 May 2016

Jakarta IaIB

Training GCG: aPU & PPT, risk awareness, anti Fraud

arum kurniasih 9 agustus ‘169 august ‘16

Fincen lt. 13 HrG

Procurement one arum kurniasih Feri andi

15 november ‘16 Mezanine, lt 2 Gs

Tugas dan Tanggung Jawab Unit Audit Internal1. Menyusun dan melaksanakan rencana audit

internal tahunan.2. Menguji dan mengevaluasi pelaksanaan

pengendalian internal, sistem manajemen risiko dan tata kelola sesuai dengan kebijakan MnC Bank.

3. Melakukan pemeriksaan, baik pemeriksaan langsung maupun pengawasan secara tidak langsung dalam rangka penilaian atas efisiensi dan efektivitas di bidang keuangan, akuntansi, operasional, sumber daya manusia, pemasaran, teknologi informasi dan kegiatan lainnya.

4. Memberikan saran perbaikan dan informasi yang obyektif tentang kegiatan yang diperiksa pada semua tingkatan manajemen, guna meningkatkan efisiensi penggunaan SDM dan dana.

5. Membuat laporan Hasil audit (lHa) dan menyampaikan laporan tersebut kepada Presiden Direktur dan Dewan komisaris dengan tembusan kepada Direktur kepatuhan.

6. Memantau, menganalisis dan melaporkan pelaksanaan tindak lanjut perbaikan yang telah disarankan.

7. Menjalin kerja sama dengan komite audit.8. Menyusun program untuk mengevaluasi mutu

kegiatan audit internal yang dilakukannya.9. Melakukan pemeriksaan khusus apabila

diperlukan.

Internal Audit Duties and Responsibilities 1. Develop and implement an annual internal audit

plan.2. Test and evaluate the implementation of internal

control, risk management systems and governance in accordance with the MnC Bank’s policy.

3. Conduct direct examinations, or indirect supervision for the purpose of assessment of the efficiency and effectiveness in finance, accounting, operations, human resources, marketing, information technology and other activities.

4. Provide recommendations for improvements and objective information about the activities being examined at all levels of management, in order to improve the efficient use of human and financial resources.

5. Creating audit reports (lHa) and submit the report to the President Director and the Board of Commissioners with a copy to the Compliance Director.

6. Monitor, analyze and report on implementation of improvements that have been suggested.

7. establish cooperation with the audit Committee8. Develop a program to evaluate the quality of the

internal audit activity.9. Conducting special inspections if necessary.

uNIT AuDIT INTERNALInternal Audit unit

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Laporan Aktivitas Unit Audit Internal di Tahun 2016 Dalam menjalankan fungsinya, audit Internal memiliki Piagam audit (Audit Internal Charter) yang disahkan oleh Direktur Utama dan Dewan komisaris, hal ini selain diatur oleh Bank Indonesia melalui sPFaIB (standar Pelaksanaan Fungsi audit Internal Bank), juga sesuai dengan standar internasional yang bersumber pada The Professional Practice Framework dari Institute of Internal Auditors.

Dalam menentukan rencana audit, audit Internal telah menggunakan audit berbasis risiko (Risk Based Audit), dimana dari seluruh aktifitas bank terlebih dahulu dilakukan assessment untuk menetapkan prioritas obyek audit yang akan diperiksa. Pada tahun 2016, Unit audit Internal telah menyelesaikan 26 penugasan audit, baik dalam bentuk regular audit maupun special audit / investigasi.

selain melakukan audit regular dan investigasi, audit Internal juga memberikan peran konsultatif kepada unit kerja lain, dimana selama tahun 2016 telah menerbitkan 6 memo hasil review/ konsultatif audit. Dalam rangka meningkatkan kompetensi sDM di unit kerja lain, audit Internal juga turut serta memberikan konstribusi dalam bentuk “sharing knowledge”.

selama tahun 2016, audit Internal juga ditunjuk sebagai unit kerja yang memonitor tindak lanjut hasil pemeriksaan oJk maupun pihak eksternal lainnya, dimana tindak lanjut yang dilakukan oleh Auditee / unit kerja terperiksa merupakan salah satu agenda yang dilaporkan kepada Direktur Utama dan komisaris ( melalui komite audit ) serta Direktur kepatuhan.

sehubungan dengan PoJk no.17/PoJk.03/2014 tentang Penerapan Manajemen risiko Terintegrasi bagi konglomerasi keuangan dan PoJk no.18/PoJk.03/2014 tentang Penerapan Tata kelola Terintegrasi, maka MnC Bank telah ditunjuk sebagai entitas Utama dalam struktur konglomerasi keuangan MnC Group, sehingga secara otomatis audit Internal MnC Bank menjadi satuan kerja audit Internal (skaI) terintegrasi yang melakukan koordinasi dengan skaI pada lembaga Jasa keuangan lainnya di lingkungan MnC Group.

Internal Audit Unit Activities Report in 2016 In carrying out its functions, the Internal audit has audit Charter (Internal audit Charter) enacted by the President Director and the Board of Commissioners, aside from being regulated by Bank Indonesia through sPFaIB (audit standards Internal Bank), this Charter is also in accordance with international standards that originates in The professional Practice Framework of the Institute of Internal auditors.

In determining the audit plan, The Internal audit has been using a risk-based audit (risk Based audit), where all the activities of banks conducted prior assessment to set priorities for audit objects to be examined. In 2016, The Internal audit Unit has completed 26 audits, either in the form of regular audit or special audit / investigation.

In addition to performing regular audits and investigations, The Internal audit also provides consultative role to working unit, in which during 2016 the Internal audit has published 6 memos on review/ consultative audit. In order to increase the competence of human resources in other working units, the Internal audit also participates to contribute in the form of “sharing knowledge”.

During 2016, the Internal audit was also appointed as a working unit which monitors the follow-up results of the Fsa and other external party, where the actions taken by the auditee / unit examinee is one of agenda that is reported to the President Director and Commissioner (through the audit Committee) and Director of Compliance.

In connection with the Fsa regulation no.17 / PoJk.03 / 2014 on the application of Integrated risk Management for Financial conglomerate and Fsa regulation no.18 / PoJk.03 / 2014 on the application of Integrated Governance, MnC Bank has been appointed as the entity Major in structural conglomeration of Finance MnC Group, thus the Internal audit of MnC Bank International Tbk is automatically become integrated Internal audit Unit (skaI) which perform coordination with other Internal audit Unit at the Institute of Financial services in MnC Group environment.

uNIT AuDIT INTERNALInternal Audit unit

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MnC Bank senantiasa melakukan upaya-upaya untuk mampu mengelola dan mengendalikan risiko melalui fungsi pengendalian internal, dimana rencana pelaksanaan serta kajian dan evaluasinya dilaksanakan secara terintegrasi oleh seluruh elemen MnC Bank. oleh karenanya, sistem pengendalian internal merupakan proses yang secara bersama-sama dan berkesinambungan dilaksanakan oleh: 1. Direksi dan seluruh Pejabat MnC Bank, yang

memberikan arah, petunjuk dan pengawasan,

2. komite eksekutif, 3. audit Internal 4. seluruh karyawan.

aktivitas pengendalian yang telah dijalankan mencakup tindakan – tindakan yang dilakukan dalam suatu proses pengendalian aktifitas operasional MNC Bank pada setiap tingkatan dalam struktur organisasi. Untuk itu MnC Bank akan selalu mengembangkan ketentuan dan pelaksanaanya, mengenai kewenangan, otorisasi, verifikasi, rekonsiliasi, penilaian prestasi kerja, pembagian tugas serta upaya pengamanan aset MnC Bank.

MnC Bank continues to make efforts to be able to manage and control risks through internal control functions, where the implementation plan and assessment as well as evaluation are carried out in an integrated manner by all elements of MnC Bank. Therefore, the system of internal control is a process that simultaneously and continuously implemented by:

1. The Board of Directors and Officers of MNC Bank, which provides direction, guidance and supervision,

2. The executive Committee,3. Internal audit4. all employees.

Control activities that have been implemented include measures - actions taken in a process control operational activities of MnC Bank at every level of the organizational structure. Therefore, MnC Bank will always develop the rules and implementation, the authority, authorization, verification, reconciliation, performance appraisal, job descriptions as well as safeguard the assets of MnC Bank.

SISTEM PENGENDALIAN INTERNAL

Internal Control System

Sistem pengendalian internal yang efektif merupakan bagian tidak terpisahkan dari penerapan GCG MNC Bank. upaya ini pada akhirnya akan melindungi seluruh kepentingan para pemangku kepentingan, terutama nasabah dan pemegang saham. Melalui pelaksanaan pengendalian internal yang efektif, kepercayaan nasabah dan nilai perusahaan dapat tumbuh bersama dan terjaga pada tingkat yang optimal.

Effective internal control system is an integral part of the implementation of MNC Bank Governance. These efforts will ultimately protect all the interests of all stakeholders, particularly customers and shareholders. Through the implementation of effective internal control, customer confidence and the value of the company can grow together and maintained at optimal levels.

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Direksi bertanggung jawab untuk menerapkan sistem pengendalian internal yang baik untuk mencapai tujuan MnC Bank, sedangkan Dewan komisaris dengan dibantu komite audit, bertanggung jawab untuk melakukan pengawasan atas terselenggaranya pengendalian internal secara umum, termasuk kebijakan Direksi yang menetapkan pengendalian internal tersebut. kedua dewan ini adalah penanggung jawab tertinggi terlaksananya pengendalian internal di MnC Bank.

sementara itu, audit Internal bertanggung jawab untuk mengevaluasi, meninjau, menganalisa dan menilai penerapan pengendalian internal pada seluruh kegiatan dalam MnC Bank dan memberikan rekomendasi perbaikan dan peningkatan pengendalian yang diperlukan. Dalam menjalankan tugasnya, audit Internal melaporkan seluruh kegiatannya kepada Direksi dan komisaris melalui komite audit.

Guna melaksanakan fungsinya secara efektif, audit Internal bekerjasama dengan seluruh unit kerja di dalam MnC Bank dalam melakukan penilaian, analisa, dan pemetaan risiko yang ada kegiatan Bank. selanjutnya, hasil-hasil kajian yang diperoleh diatas digunakan oleh audit Internal sebagai dasar untuk merencanakan dan melaksanakan program-program audit yang berbasis risiko.

sistem pengendalian internal dirancang dengan tujuan untuk melakukan evaluasi, memantau, mengelola risiko yang mungkin dapat menyebabkan tujuan MnC Bank tidak tercapai, dan bukan untuk menghilangkan risiko tersebut. Dengan demikian, sistem pengendalian internal hanya dapat memberikan keyakinan yang memadai dan tidak menjamin secara mutlak terhadap adanya salah saji yang material atau kerugian, atau terjadinya kondisi yang tidak terduga.

Beberapa prinsip pengendalian internal yang telah dijalankan oleh MnC Bank mencakup:

Lingkungan pengendalianDireksi berkomitmen melaksanakan kegiatan pengendalian operasional MnC Bank dengan menyusun struktur organisasi, menetapkan wewenang dan tanggung jawab, memberikan pelatihan dan pengembangan sDM dan secara rutin mengkomunikasikan misi, visi MnC Bank, seluruh strategi dan ukuran-ukuran penilaian keberhasilan

The Board of Directors is responsible for implementing good internal control system to achieve the MnC Bank’s objectives, while the Board of Commissioners assisted by the audit Committee, is responsible for supervision over the implementation of internal control in general, including the policy of the Board of Directors that stipulates the internal control. The Board is responsible for the implementation of the highest in the MnC Bank’s internal control.

Meanwhile, the Internal audit is responsible for evaluating, reviewing, analyzing and assessing the implementation of internal control in all activities within MnC Bank and provides recommendations for improvement and increase the necessary control. In performing its duties, the Internal audit reports all their activities to the Board of Directors and Commissioners through the audit Committee.

In order to discharge its functions effectively, in cooperation with the Internal audit of all work units within MnC Bank in the assessment, analysis, and mapping risks of MnC Bank. Furthermore, results of the study obtained above are used by the Internal audit as a base to plan and implement audit programs based on risk.

Internal control systems are designed with the aim to evaluate, monitor, manage risks that may cause MnC Bank’s objectives are not achieved, and not to eliminate that risk. Thus, the system of internal control can only provide reasonable assurance and not absolute guarantee against any material misstatement or loss, or the occurrence of unexpected conditions.

some principles of internal controls have been implemented by MnC Bank include:

Environmental controlThe Board of Directors committed to conduct operational control of MnC Bank and the organization structure, establish the authority and responsibility, provide training and development of human resources, and routinely communicate the mission, the vision of MnC Bank, the whole strategy and measures of assessing the success so that all organizations must

SISTEM PENGENDALIAN INTERNALInternal Control System

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sehingga seluruh organisasi harus memastikan bahwa pelaksana tugas memiliki integritas, kecukupan pengetahuan dan keahlian sesuai dengan tugas dan tanggung jawab.

selama tahun 2016, MnC Bank secara konsisten dan terus menerus mensosialisasikan dan menerapkan Budaya Perusahaan (PRIDE) yang menjadi pedoman bagi seluruh pihak dalam mewujudkan visi dan misi MnC Bank.

penilaian Risiko seluruh risiko yang dihadapi dalam rangka merealisasikan misi dan visi MNC Bank, diidentifikasi, dinilai, dipantau dan dikendalikan secara terus menerus, serta secara berkala dievaluasi dan direspon dengan pengendalian internal yang memadai sehingga kondisi-kondisi yang tidak diharapkan bisa diminimalisasi.

Kegiatan pengendalian & pemisahan TugasMerupakan aktivitas untuk meminimalisasi risiko baik dengan melakukan pemisahan tugas dan tanggung jawab, dual control, maupun pelaksanaan checklist (harian, mingguan, bulanan & tahunan) yang dilakukan untuk memastikan bahwa pelaksanaan pengendalian internal telah berjalan sesuai ketentuan yang berlaku.

MnC Bank telah membuat Management Control System (MCa) yang dapat digunakan sebagai alat oleh masing-masing Unit kerja untuk mengukur tingkat risiko yang dihadapi, sehingga potensi risiko yang mungkin muncul dapat diidentifikasi dan dikelola dengan baik. Pelaksanaan MCa dilakukan secara berkala dan hasilnya dikirimkan ke Risk Management Group untuk digabung secara nasional.

Informasi & Komunikasisaat ini MnC Bank sudah menyediakan media elektronik untuk meng-update perubahan kebijakan internal maupun eksternal. Mengacu pada hal tersebut, seluruh karyawan diharapkan dapat memahami dan tanggap akan tugas dan tanggung jawab yang mengacu pada ketentuan yang berlaku dan perubahan yang terjadi. selain itu, masing-masing Risk Owner juga melaksanakan penilaian secara mandiri atas Risk level yang dihadapi.

pemantauanDireksi, Pejabat eksekutif dan audit Internal melakukan pemantauan secara terus menerus terhadap efektivitas keseluruhan pelaksanaan pengendalian intern.

ensure that the implementing duties with integrity, the adequacy of knowledge and skills in accordance with the duties and responsibilities.

During 2016, MnC Bank consistently and continuously disseminate and implement the Corporate Culture (PrIDe) that guide all parties in realizing the vision and mission of MnC Bank.

Risk assessmentall risks encountered in order to realize the mission and vision of MNC Bank, are identified, assessed, monitored and controlled continuously, as well as periodically evaluated and responded with adequate internal controls so that the conditions are not expected to be minimized.

control Activities and Segregation of DutiesIs a good activity to minimize risk by performing separation of duties and responsibilities, dual control, as well as the implementation of the checklist (daily, weekly, monthly and yearly) are made to ensure that the implementation of internal control has been run in accordance with prevailing regulations.

MnC Bank has made a Management Control system (MCa) which can be used as a tool by each work unit for measuring the level of risk, so that the potential risks that may arise can be identified and managed properly. Implementation of the MCa conducted regularly and the results are sent to the risk Management Group for the merged nationally.

Information & communicationCurrently MnC Bank has been providing electronic media to update the internal and external policy changes. referring to that, all employees are expected to understand and responsive to the tasks and responsibilities which refers to the applicable provisions and the changes that occur. In addition, each risk owner is also self-assessment exercise on risk level faced.

MonitoringDirectors, executive officers and Internal Audit perform ongoing monitoring of the effectiveness of the overall implementation of internal control.

SISTEM PENGENDALIAN INTERNALInternal Control System

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audit Internal sebagai pihak yang independen secara obyektif melakukan monitoring atas kecukupan dan pelaksanaan pengendalian internal berdasarkan rencana kerja tahunan. Hasil pemeriksaan dilaporkan kepada Presiden Direktur dan komisaris melalui komite audit dengan tembusan Direktur kepatuhan, Direktur dan departemen terkait yang menjadi objek pemeriksaan.

setiap bulan dalam rapat komite audit, audit Internal juga melaporkan temuan-temuan yang signifikan dan hasil investigasi, termasuk progress tindak lanjut atas temuan Internal maupun eksternal audit. atas laporan audit Internal kepada komite audit, selanjutnya komite audit melaporkan secara reguler kepada Dewan komisaris.

Evaluasi pengendalian InternalPernyataan pengendalian internal menggambarkan elemen-elemen utama yang digunakan untuk mencapai tujuan pengendalian internal, yang meliputi:

• kegiatan-kegiatan operasional yang dijalankan secara efektif & efisien;

• laporan keuangan yang akurat dan dapat diandalkan;

• kepatuhan terhadap Undang-undang, peraturan, dan kebijakan yang berlaku; dan

• pengamanan aset MnC Bank.

selama tahun 2016, berdasarkan atas penilaian sendiri dan pemantauan oleh audit Internal, kualitas sistem pengendalian internal telah dilakukan secara memadai (Acceptable) sehingga risiko dapat dikelola.

Internal audit as an independent party to objectively monitor the adequacy and implementation of internal controls based on an annual work plan. Test results are reported to the President and Commissioners through the audit Committee with a copy Compliance Director, the Director and other relevant departments who becomes the object of examination.

each month in the meeting of the audit Committee, Internal Audit also reported significant findings and results of the investigation, including the progress of follow-up on the findings of the Internal and external audit. on Internal audit reports to the audit Committee, hereinafter the audit Committee regularly reports to the Board of Commissioners.

Evaluation of Internal controlInternal control statements describe the main elements used to achieve internal control objectives, which include:

• operational activities are performed effectively and efficiently;

• the financial statements are accurate and reliable;

• compliance with legislation, regulations, and policies; and

• security MnC Bank’s assets.

During 2016, based on self-assessment and monitoring by Internal audit, the quality of the internal control system has performed adequately (acceptable) so that the risks can be managed.

SISTEM PENGENDALIAN INTERNALInternal Control System

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Dalam menghadapi perkara hukum, baik yang terkait dengan bidang perkreditan maupun non perkreditan termasuk di bidang Perselisihan Hubungan Industrial, MnC Bank terlebih dahulu mengupayakan langkah-langkah penyelesaian dengan cara pendekatan persuasif. namun apabila dengan pendekatan secara persuasif tidak dicapai penyelesaian atau hasil yang diharapkan, maka ditempuh upaya hukum litigasi. Tindakan Hukum litigasi merupakan langkah terakhir (ultimum remedium) sebagai penegasan MnC Bank dalam upaya mempertahankan hak dan kepentingan sekaligus sebagai bentuk pertanggungjawaban hukum atas pengelolaan dana masyarakat.

Dalam tahun 2016 telah dapat diselesaikan 18 (delapan belas) perkara. Berikut adalah perincian perkara hukum yang dihadapi dan ditindaklanjuti oleh MnC Bank:

perkara Hukumlitigation

Jumlah | Total

perdata | Civil

pidana | Criminal

sisa Perkara per 31 Desember 2015 | Balance of Cases as of 31 December 2015 23 11

Perkara yang masuk tahun 2016 | Cases in 2016 35 1

Jumlah Perkara Tahun 2016 | Total Cases of 2016 58 12

Perkara yang diselesaikan tahun 2016 | Cases settled in 2016 18 1

sisa Perkara per 31 Desember 2016 | Balance of Cases as of 31 December 2016 40 11

In handling litigation, both in relation with lending or non-lending including the dispute in Industrial relations, MNC Bank strives to first take the persuasive approach. In the event of non agreement or unexpected results during the persuasive approach, the litigation method is taken. The litigation is set as the last resources (ultimum remedium) as MNC Bank’s firm efforts to defend the rights and interests and at the same time as legal accountability on the public funds management.

In 2016, 18 (eighteen) cases had been settled. The following detailed the litigation faced by and followed up by MnC Bank:

PERKARA pENTINg

Litigation

perkara perdata | Civil CasesTingkat Pertama | First level : 28 perkara | casesTingkat banding | appeal : 10 perkara | casesTingkat kasasi | Cassation : 2 perkara | cases Total : 40  perkara | cases

perincian perkara | Cases summary:

perkara pidana | Criminal CasesPenyidikan | Investigation : 11 perkara | casesBanding | appeal : 0 perkara | caseskasasi | Cassation : 0 perkara | casesTotal :  11 perkara | cases

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pokok-pokok Kode EtikCode of Conduct berisikan komitmen MnC Bank kepada berbagai pihak yang berkepentingan yang merupakan perwujudan dari etika bisnis dan etika kerja bagi MnC Bank. sebagai sebuah etika perilaku, diharapkan tercipta perilaku yang ideal yang dikembangkan berdasarkan nilai-nilai luhur yang diyakini jajaran MnC Bank sehingga menjadi budaya kerja. standar etik MnC Bank mengatur hal-hal yang menyangkut pertentangan kepentingan:1. Hubungan dengan nasabah, calon nasabah dan/

atau rekanan.2. Pemberian dan penerimaan bingkisan dari

nasabah, calon nasabah dan/atau rekanan.3. Pengadaan perlengkapan dan peralatan MnC

Bank.4. Hubungan keluarga.5. Penggunaan fasilitas-fasilitas nasabah, calon

nasabah dan/atau rekanan maupun Bank.6. entertainment.7. Melakukan kegiatan sebagai pengajar, pembicara,

penceramah di luar MnC Bank, terkecuali telah memperoleh ijin sebelumnya oleh manajemen.

8. Penyuapan.9. rahasia jabatan.10. rahasia Perusahaan.11. Tidak melakukan perbuatan tercela.

selama tahun 2016, MnC Bank dan segenap anggota Dewan komisaris dan Direksi tidak dikenai sanksi administratif yang memiliki pengaruh material terhadap kinerja keuangan MnC Bank.

code of conduct principelsThe Code of Conduct contains MnC Bank’s commitment to various interested parties that a realization of business ethics and work ethics for MnC Bank. as an ethical behavior, it is expected to create the ideal behavior developed based on noble values that believed by MnC Bank employees that becomes a work culture. MnC Bank standards of Code of Conduct regulate matters relating to conflict of interest:

1. relationships with customers, prospective customers and/or partners.

2. Giving and receiving of gifts from customers, prospective customers and/or partners.

3. Procurement of MnC Bank’s supplies and equipment.

4. Family ties.5. The use of customers facilities, prospective

customers and/or partners and MnC Bank.6. entertainment.7. Conducts activities as a teacher, speaker, speakers

outside MnC Bank, except for prior authorization by the management.

8. Bribery.9. Official secret.10. Company secret.11. Do not perform any disgraceful act.

During 2016, MnC Bank and all members of the Board of Commissioners and Board of Directors were not subject to any administrative sanctions that have a material influence on the MNC Bank financial performance.

SANKSI ADMINISTRATIF

KODE ETIK

Administrative Sanctions

Code of Conduct

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KODE ETIKCode of Conduct

Sosialisasi Kode Etik Code of Conduct diungkapkan dan/atau disebarkan kepada semua karyawan MnC Bank melalui media internal Bank yang dapat diakses oleh semua karyawan dengan mudah setiap saat. Penyebaran standar etik dilakukan dengan memanfaatkan media Portal MnC Bank dan Hr Info.

Upaya penerapan dan penegakan code of conduct

Code of Conduct MnC Bank berlaku mulai dari Dewan komisaris, Direksi, karyawan dan individu lain yang terkait dengan bisnis MnC Bank. keberhasilan penerapan Code of Conduct merupakan tanggung jawab dari seluruh pimpinan di lingkungan unit kerja masing-masing. Untuk itu segenap pimpinan unit memiliki tanggung jawab dalam memberikan pemahaman penerapan Code of Conduct kepada karyawan di lingkungan unit kerja masing-masing.

MnC Bank memiliki tanggung jawab terhadap keberhasilan penerapan Code of Conduct dalam aktivitas sehari-hari. salah satu bentuk tanggung jawab MnC Bank adalah menyangkut kesediaan MnC Bank untuk melaporkan setiap tindakan karyawan lain atau

code of conduct Dissemination The Code of Conduct is disclosed and/or distributed to all of MnC Bank employees through MnC Bank’s internal media that can be accessed by all employees easily at any time. The spread of ethical standards is done by utilizing MnC Bank media portal and Hr Info.

Efforts to Implement and Enforce The code of conductMnC Bank Code of Conduct applies for the Board of Commissioners, Board of Directors, employees and other individuals associated with MnC Bank business. successful implementation of the Code of Conduct is the responsibility of all leaders in their respective work units. Thus, all unit leaders have a responsibility in providing understanding of the application of the Code of Conduct to employees in their respective working unit.

MnC Bank has a responsibility towards the successful implementation of the Code of Conduct in everyday activities. one of the forms of MnC Bank responsibility is concerned the MnC Bank’s willingness to report any other employees or co-worker believed to be

Standar etik dan kebijakan pertentangan kepentingan MNC Bank merupakan pedoman internal MNC Bank berisikan sistem nilai, etika bisnis, etika kerja, komitmen, serta penegakan terhadap peraturan- peraturan MNC Bank bagi karyawan dalam menjalankan bisnis dan aktivitas lainnya, serta dalam berinteraksi dengan para pemangku kepentingan.Code of conduct standards and MNC Bank conflict of interest policy is an internal guidance of MNC Bank contains system of values, business ethics, work ethic, commitment, and enforcement of MNC Bank regulations for employees in conducting business and other activities, as well as in interacting with the stakeholders.

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rekan kerja yang diyakini merupakan suatu pelanggaran Code of Conduct dan menyampaikan setiap fakta penyimpangan yang diketahuinya. MnC Bank memberikan sanksi yang tegas dan konsisten terhadap pelanggaran Pedoman Code of Conduct. sedangkan bentuk pelanggaran yang dapat dilakukan oleh Dewan komisaris dan Direksi beserta sanksinya berpedoman pada anggaran Dasar Bank dan keputusan rUPs. sedangkan pengenaan sanksi terhadap pegawai dilakukan sesuai dengan aturan kepegawaian yang berlaku.

a violation of the Code of Conduct and deliver any irregularities fact theyknows. MNC Bank provides firm and consistent sanctions for violations of the Code of Conduct Guidelines. While the form of violations done by the Board of Commissioners and Board of Directors and sanctions are guided by MnC Bank’s articles of association and decisions of the GMs. While imposition of sanctions against employees conducted in accordance with applicable employment regulations.

KODE ETIKCode of Conduct

Standar etik dan kebijakan pertentangan kepentingan ini merupakan dasar sikap/tindakan etis yang akan digunakan oleh para Karyawan dan Direksi MNC Bank. Seluruh karyawan MNC Bank wajib menandatangani formulir standar etik dan kebijakan pertentangan kepentingan sebagai komitmen untuk bersungguh-sungguh dan penuh kesadaran menetapkan standar etik MNC Bank.Code of conduct standards and conflict of interest policy is a basic attitude/ethical actions that will be used by the employees and the Board of Directors of MNC Bank. All MNC Bank employees are required to sign standar form on code of conduct and conflict of interest policy as a commitment to seriously and fully aware to implement MNC Bank ethical standards.

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Perbankan merupakan bentuk usaha untuk menghimpun dan menyalurkan dana masyarakat. Berdasarkan karakteristik tersebut menyebabkan meningkatnya kompleksitas produk dan aktifitas jasa perbankan yang ditawarkan. kondisi ini menimbulkan tingkat risiko MnC Bank sebagai media atau tujuan kegiatan tempat yang cukup strategis bagi para pelaku pencuci uang dan pendanaan terorisme.

Dalam rangka mencegah MnC Bank dijadikan sarana kegiatan pencucian uang dan pendanaan teroris maka bank tunduk pada:1. Undang-Undang republik Indonesia no.8 Tahun

2010 tentang Pencegahan dan Pemberantasan Tindak Pidana Pencucian Uang;

2. Undang-Undang republik Indonesia no.9 Tahun 2013 tentang Pencegahan dan Pemberantasan Tindak Pidana Pendanaan Terorisme;

3. PBI no.14/27/PBI/2012 tanggal 28 Desember 2012 tentang Penerapan Program anti Pencucian Uang dan Pencegahan Pendanaan Terorisme Bagi Bank Umum;

4. PoJk no.12/PoJk.01/2017 tanggal 21 Maret tentang Penerapan Program anti Pencucian Uang dan Pencegahan Pendanaan Terorisme di sektor Jasa keuangan

5. seBI no.15/21/DPnP tanggal 14 Juni 2013 perihal Penerapan Program anti Pencucian Uang dan Pencegahan Pendanaan Terorisme Bagi Bank Umum.

Dalam pelaksanaan penerapan program anti pencucian uang dan pencegahan pendanaan terorisme agar berjalan dengan efektif, MnC Bank melakukan beberapa hal sebagai berikut:

a. Pengawasan aktif Dewan komisaris dan Direksi

1. Pengawasan aktif komisaris, meliputi:a. Memberikan persetujuan atas kebijakan

penerapan program aPU dan PPT;b. mengawasi pelaksanaan tanggung jawab

Direksi terhadap pelaksanaan penerapan aPU dan PPT.

2. Pengawasan aktif Direksi, meliputi:a. Memastikan MnC Bank telah memiliki

kebijakan dan prosedur Program aPU dan PPT;

Banking is a business establishment to collecting and disbursing public funds. This characteristic led to the increase of complexity of the banking products and services. This condition may increase the level of risk of MnC Bank as the medium or strategic destination for the perpetrators of money laundering or terrorism financing.

In the prevention of MnC Bank to become the medium of money laundering and terrorism financing activity, MnC Bank is in compliance with:1. republic of Indonesia law no.8/2010 regarding the

Prevention and suppresion of Money laundering Criminal act;

2. republic of Indonesia law no.9/2013 regarding Prevention and suppresion of Terrorism Financing Criminal act;

3. PBI no.14/27/PBI/2012 dated 28 December 2012 regarding the Implementation of anti-Money laundering and Prevention of Terrorism Financing Program for Commercial Banks;

4. PoJk no.12/PoJk.01/2017 dated 21 March regarding the Implementation of anti Money laundering and Countering of Terrrorism Financing Programs in the Financial services sector

5. seBI no.15/21/DPnP dated 14 June 2013 regarding the Implementation of anti-Money laundering and Prevention of Terrorism Financing Program for Commercial Banks.

For effective implementation of anti-money laundering and prevention of terrorism financing program, MNC Bank carried out several measures:

a. active supervision of the Board of Commissioners and Board of Directors1. active supervision of the Commissioners,

include:a. Providing approval on the policy of aMl

and CTF program implementation;b. supervision of the Board of Directors’

responsibility on the aMl and CTF implementation.

2. active supervision of the Board of Directors, include:a. ensuring that the aMl and CTF program

policies and procedures are established by MnC Bank;

PROGRAM ANTI PENCuCIAN uANG (APu) DAN pENcEgAHAN pENDANAAN

TERoRISME (ppT)Anti-Money Laundering (AML) and Counter Terrorism Financing (CTF) Program

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PROGRAM ANTI PENCuCIAN uANG (APu) DAN PENCEGAHAN PENDANAAN TERORISME (PPT)

Anti-Money Laundering (AML) and Counter Terrorism Financing (CTF) Program

b. mengusulkan kebijakan tertulis Program aPU dan PPT kepada Dewan komisaris;

c. memastikan penerapan Program aPU dan PPT dilaksanakan sesuai dengan kebijakan dan prosedur tertulis yang telah ditetapkan;

d. membentuk Unit kerja khusus (Ukk) yang melaksanakan Program aPU dan PPT dan/atau menunjuk pejabat yang bertanggung jawab terhadap Program aPU dan PPT di kantor Pusat;

e. melakukan pengawasan atas kepatuhan satuan kerja dalam menerapkan Program aPU dan PPT;

f. memastikan bahwa kantor cabang wajib memiliki karyawan atau pejabat yang menjalankan fungsi Unit kerja khusus atau pejabat yang mengawasi penerapan program aPU dan PPT;

g. memastikan bahwa kebijakan dan prosedur Program aPU dan PPT sejalan dengan perubahan dan pengembangan produk, aktivitas, dan teknologi serta sesuai dengan perkembangan modus pencucian uang atau pendanaan terorisme;

h. memastikan bahwa seluruh karyawan, khususnya pegawai dari unit kerja terkait dan pegawai baru, telah mengikuti pelatihan yang berkaitan dengan Program aPU dan PPT secara berkala.

Dalam melaksanakan pengawasan aktif Direksi, Direktur kepatuhan mempunyai tugas dan tanggung jawab sebagai berikut:a. Menetapkan langkah-langkah yang diperlukan

untuk memastikan MnC Bank telah memenuhi ketentuan Bank Indonesia mengenai Program aPU dan PPT dan peraturan perundang-undangan lainnya yang terkait;

b. memantau pelaksanaan tugas Unit kerja khusus dan/atau pejabat MnC Bank yang bertanggung jawab atas penerapan Program aPU dan PPT;

c. memberikan rekomendasi kepada Direktur Utama mengenai pejabat yang akan memimpin Unit kerja khusus atau pejabat yang bertanggung jawab atas penerapan Program aPU dan PPT;

b. proposing the written policy on aMl and CTF program to the Board of Commissioners;

c. ensuring that the implementation of aMl and CTF program in accordance with the set written policies and procedures;

d. establishing special Unit to implement the aMl and CTF program and/or appointing a person in charge on aMl and CTF Program at Head Office;

e. supervising the compliance of compliance unit in implementing the aMl and CTF Program;

f. ensuring that branch offices shall assign employees or executives in charge of special Unit or executives to supervise the aMl and CTF program implementation;

g. ensuring that the aMl and CTF Program policies and procedures are in line with the products changes and development, activities and technology as well as according to the development of money laundering and terrorism financing modus;

h. ensuring that all employees, especially from related units and new employees have periodically participated in the aMl and CTF Program training.

In implementing the active supervision of the Board of Directors, the Compliance Director has the following duties and responsibilities:a. stipulate required steps to ensure that

MnC Bank has complied with Bank Indonesia’s rules on aMl and CTF Program and other related laws and regulations;

b. monitoring the duties implementation of special Unit or MnC Bank’s executives in charge on the implementation of aMl and CTF;

c. providing recommendation to the President Director on executive that will be in charge of special Unit or executive in in charge on the implementation of aMl and CTF;

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PROGRAM ANTI PENCuCIAN uANG (APu) DAN PENCEGAHAN PENDANAAN TERORISME (PPT)

Anti-Money Laundering (AML) and Counter Terrorism Financing (CTF) Program

d. memberikan persetujuan terhadap laporan Transaksi keuangan Mencurigakan (lTkM/sTr), dan

e. menetapkan dan mengevaluasi transaksi yang memerlukan persetujuan pejabat senior.

B. kebijakan dan ProsedurMnC Bank telah memiliki kebijakan dan Prosedur yang meliputi:a. Permintaan informasi dan dokumen nasabah

(Customer Due Diligence/CDD dan Enhance Due Dilligence/eDD);

b. beneficial Owner;c. verifikasi dokumen;d. CDD yang lebih sederhana;e. pelaksanaan CDD oleh pihak ketiga;f. penerapan Risk Based Approach (rBa);g. petentuan mengenai area berisiko tinggi dan

Politically Exposed Person (PeP);h. penanganan Walk in Customer;i. pengkinian data nasabah dan pemantauan

transaksi nasabah;j. Cross Border Correspondent Banking (CBCB);k. prosedur transfer dana;l. sistem informasi manajemen;m. pemberian data dan informasi;n. pemblokiran dan penyitaan simpanan;o. penutupan hubungan dan penolakan

transaksi;p. sumber Daya Manusia dan program pelatihan

karyawan;q. penatausahaan dokumen;r. pelaporan kepada pihak regulator;s. pengendalian Intern.

C. Pengendalian InternUntuk menguji efektivitas bahwa pelaksanaan program aPU dan PPT telah dilaksanakan sesuai dengan ketentuan yang berlaku, maka diperlukan pemantauan oleh pihak independen secara berkala oleh Internal audit dan eksternal audit.

D. sistem Manajemen Informasisistem manajemen informasi diperlukan oleh MnC Bank untuk melakukan pelaksanaan penerapan program aPU dan PPT secara efektif yang meliputi:

d. providing approval on the suspicious Financial Transaction report; and

e. stipulate and evaluate the transaction that requires the approval of senior executives.

B. Policies and ProceduresMnC Bank has already in place the Policies and Procedures, covering:a. Information request and Customer Due

Diligence/CDD and enhance Due Dilligence/eDD;

b. beneficial Owner;c. document verification;d. simpler CDD;e. CDD implementation by third party;f. risk Based approach (rBa) application;g. rules on high risk and Politically exposed

Person (PeP);h. handling of Walk in Customers;i. updating customers data and monitoring of

customers transaction;j. Cross Border Correspondent Banking (CBCB);k. funds transfer procedure;l. management information system;m. data and information provision;n. savings blocking and confiscation of

transactions;o. closing of relations and refusal of transactions;p. human resources and employees training

programs;q. document filing;r. reporting ot the regulators;s. internal Control.

C. Internal ControlTo assess the effectiveness of aMl and CTF program implementation is already in accordance with the prevailing rules, a periodical independent monitoring by Internal audit and external audit is required.

D. Information Management systemThe information management system is needed by MnC Bank to implement the aMl and CTF program effective implementation, which covers:

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1) Sistem pemantauan profil dan transaksi nasabah yang dapat mengidentifikasi, menganalisa dan menyediakan laporan secara efektif mengenai karakteristik transaksi berdasarkan risiko yang dilakukan oleh nasabah;

2) negative List Database, screening nasabah baru atas daftar negatif (negative list) dan daftar teroris.

e. sumber Daya Manusia dan PelatihanDalam rangka menghasilkan sDM yang mempunyai tingkat keahlian dan pengetahuan yang memadai didalam menjalankan tugas-tugasnya, maka MnC Bank melaksanakan program pelatihan aPU dan PPT bagi seluruh karyawannya secara berkesinambungan. adapun cakupan materi pelatihan diantaranya adalah sebagai berikut:a. Pelaksanaan peraturan perundang-undangan

yang terkait dengan program aPU dan PPT;b. tipologi pencucian uang dan pendanaan

terorisme; danc. proses identifikasi, proses screening,

pemantauan dan pelaporan transaksi bertujuan agar peran dan tanggung jawab karyawan dalam mendeteksi kegiatan pencucian uang dan pendanaan terorisme.

1) Customers profile and transaction monitoring system that can identify, analyse and provide an effective report on the transaction characteristics based on the risk conducted by the Customers;

2) negative list Database, new customers screening on negative list and terrorist list.

e. Human resources and TrainingsTo create adequate skills and knowledge of human resources in implementing their duties, MnC Bank carries out the aMl and CTF training program for the entire employees continuously. The training materials covers among others:

a. Implementation of laws and regulations related to the aMl and CTF program;

b. typology of money laundering and terrorism financing; and

c. processes of transaction identification, screening, monitoring and reporting aim at enhancing the roles and responsibilities of employees in detecting the money laundering and terrorism financing activities.

PROGRAM ANTI PENCuCIAN uANG (APu) DAN PENCEGAHAN PENDANAAN TERORISME (PPT)

Anti-Money Laundering (AML) and Counter Terrorism Financing (CTF) Program

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BuDAYA pERUSAHAAN

passion to perform

Relationship Building

Innovation with Integrity

Delivery with Delight

Empowerment for progress

Corporate Culture

Semangat untuk Memberikan Hasil Kerja yang Terbaik

Membangun Hubungan yang Harmonis dengan Seluruh Stakeholder

Melakukan Inovasi dan Terobosan-Terobosan Baru yang Terukur Dengan penuh Integritas

Menghasilkan Kinerja yang Memuaskan para Stakeholder

Memberdayakan Sumber Daya Secara Maksimal dan Bertanggung Jawab

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Laporan Tata Kelola perusahaanCorporate Governance report

sesuai hasil rUPslB Bank tanggal 3 Mei 2016 telah disetujui rencana kepemilikan saham oleh pegawai dan Direksi melalui Program Pemberian opsi Pembelian saham kepada Manajemen dan karyawan atau Management and employee stock option Plan (MesoP), sebagaimana tertuang dalam akta notaris aryani artisari, sH, M.kn no.11 tanggal 3 Mei 2016, sebanyak-banyaknya 1,5% dari Modal Disetor dalam MnC Bank. Hal diharapkan dapat meningkatkan produktivitas karyawan yang pada akhirnya dapat meningkatkan pendapatan Bank.

KebijakanMnC Bank telah memiliki kebijakan Whistleblowing yang disahkan pada april 2015 untuk mendukung implementasi praktik terbaik di bidang GCG di lingkungan MnC Bank.

Tujuan1. Menciptakan proses mekanisme pengaduan

pelanggaran.2. Meningkatkan kinerja kepatuhan MnC Bank

dan monitoring serta assessment terhadap pengendalian internal.

3. Memantau upaya perbaikan pengendalian internal4. Memudahkan proses pengungkapan pelanggaran.5. Memperjelas tanggungjawab atas tindak lanjut.6. Penyelesaian pelanggaran yang terjadi sehingga

risiko finansial dan risiko reputasi yang mungkin timbul dapat dicegah.

7. Mencegah timbulnya risiko finansial dan risiko reputasi, akibat kasus fraud, tindakan melanggar etika seperti menerima suap, hadiah serta pelanggaran lain.

8. Mendorong peran serta karyawan untuk ikut serta menciptakan suasana kerja yang kondusif sesuai dengan prinsip keterbukaan.

9. Melindungi aset MnC Bank.10. Menerapkan pelaksanaan GCG dalam MnC Bank.

Pursuant to the resolution of MnC Bank’s eGMs on 3 May 2016, the share ownership plan by the employees and Board of Directors was approved. This will be done through the Management and employee stock option Plan (MesoP), as stated in the notary deed of aryani artisari, sH, M.kn no.11 dated 3 May 2016, a total of 1.5% of Paid-in Capital in MnC Bank. This expects to enhance the employees productivity which eventually will improve MnC Bank’s revenues.

policyMnC Bank has establishes Whistleblowing Policy in april 2015, in order to support the implementation of GCG best practices in within MnC Bank’s environment.

objectives1. Creating a mechanism for addressing grievances

2. Improving MnC Bank’s compliance and monitoring as well as assessment of MnC Bank’s internal control.

3. Monitoring improvement of internal control.4. Facilitating the process of reporting violations.5. Clarifying the responsibility for the follow-up. 6. Settlement of violations so that the financial risk

and reputational risk that may arise can be avoided.

7. Preventing the emergence of financial risk and reputation risk, due to cases of fraud, ethical violation such as accepting bribes, gifts and others.

8. encouraging the participation of employees in creating a conducive working atmosphere in accordance with the principle of transparency.

9. Protecting the assets of MnC Bank.10. applying Good Corporate Governance (GCG)

principles in MnC Bank.

PROGRAM KEPEMILIKAN SAHAM oLEH KARYAwAN DAN/ATAU MANAJEMENEmployees and/or Management Shares Option Programs

PELAPORAN pELANggARANwhistleblowing System

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PELAPORAN PELANGGARANwhistleblowing System

penyampaian Laporan pelanggaranPelanggaran oleh karyawan harus mendapat perhatian dan merupakan tanggung jawab setiap elemen dari unit kerja. Pada kebanyakan kasus yang tidak muncul ke permukaan, pelanggaran yang ada sebenarnya telah diketahui oleh rekan kerja (peers) ataupun bawahan yang bersangkutan, namun dengan alasan khawatir terhadap keselamatan diri termasuk didalamnya perlakuan tidak menyenangkan, dan intimidasi, karyawan enggan untuk melaporkannya.

Pengaduan dapat dilakukan dengan menggunakan media surat tertulis atau surat elektronik (e-mail). surat tertulis dikirimkan melalui sarana kotak surat yang penempatannya diatur dan diumumkan oleh komite Penyelesaian Pengaduan. surat elektronik (e-mail) menggunakan e-mail khusus ([email protected]) untuk menerima pengaduan dengan tujuan menjaga kerahasiaan dan mencegah keengganan karyawan untuk melaporkan.

Terkait dengan tindakan yang bersifat hukum, maka setiap pengaduan harus disertai dengan bukti dan/atau informasi yang jelas atas pelanggaran yang dilaporkan, sehingga dapat ditelusuri dan ditindaklanjuti.

pengelolaan whistleblowing Systemkomite Penyelesaian Pengaduan adalah komite yang terdiri atas:· 1 (satu) orang komisaris anggota komite

remunerasi dan nominasi· Presiden Direktur· Direktur sDM & General services

Penetapan/Penunjukan anggota komite Penyelesaian Pengaduan dilakukan melalui keputusan rapat Dewan komisaris. komite Penyelesaian Pengaduan bertugas untuk menetapkan keputusan dan memberikan rekomendasi terkait laporan yang diterima dan hasil investigasi.

Media pelaporanPengaduan dapat dilakukan dengan menggunakan media surat tertulis atau surat elektronis (e-mail). surat tertulis dikirimkan melalui sarana kotak surat yang penempatannya diatur dan diumumkan oleh komite Penyelesaian Pengaduan. surat elektornis (e-mail) yang digunakan adalah e-mail khusus ([email protected]) untuk penerimaan laporan dan bukan e-mail pribadi dengan tujuan menjaga kerahasiaan dan mencegah keengganan karyawan untuk melaporkan.

Violation Reporting Violations by employees should receive attention and are the responsibility of each element of the work unit. In most cases these are not obviously seen, as the actual violations have already known by the colleagues (peers) or the subordinates, however as they have adequate reason to worry about the safety of them selves, including receiving unpleasant treatment, and intimidation, they become reluctant to report such violations.

Complaint can be delivered through a written mail or electronic mail (e-mail). Written mail is addressed to a certain mailbox as arranged by the Complaints resolution Committee. electronic mail (e-mail) that is used in this mechanism is a dedicated e-mail ([email protected]) with the objective to maintain confidentiality and prevent employees from being reluctant to report violations.

related to the action of a legal nature, any complaint must be accompanied by clear evidence and/or information on the violations reported, so it can be traced and followed up.

Management of The whistleblowing SystemThe Complaint resolution Committee is a committee composed of:· 1 (one) Commissioner that is a Member of

remuneration and nomination Committee· President Director· Human resources & General services Director

Determination/appointment Member of Complaint resolution Committee made through resolutions of the Board of Commissioners. The Complaint resolution Committee has a duty to take decisions and give recommendations regarding the reports received and the results of the investigation.

Reporting MediaComplaints can be made by means of written letter or electronic mail (email). Written letter can be sent via a mailbox and announced by the Complaints resolution Committee. electronic mail (email) used is a special email ([email protected]) to receipt of a report and not a personal email in order to maintain confidentiality and to prevent employee reluctance to report.

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Laporan Tata Kelola perusahaanCorporate Governance report

penanganan pengaduanMekanisme penanganan pengaduan dapat digambarkan dalam diagram sebagai berikut.

pelaporreporting Party

Kirim pengaduan, Informasi &

Bukti-bukti AwalTerima Daftar pengaduan

perlu Investigasi Investigasi pengaduan

pemeriksa Terlapor

Sanksi/Tindakan

pemeriksa Terlapor

penyimpanan dan pemeliharaan BuktiHasil pemeriksaan

Tidak perlu Tindak Lanjut

perlu Tindakan/Sanksi

Bentuk Sanksi/Tindakan

TIDAK

TIDAK

YA

InvestigatorInvestigator

Komite penyelesaian pengaduan

Complaint resolution Committee

Terlaporreported Party

Sekretariat Dewan Komisaris

Corporate secretary

Ya

perlindungan Bagi whistleblowerFasilitas dan perlindungan yang bisa diberikan kepada pelapor adalah :a. Fasilitas media pelaporan yang menjamin

kerahasiaan identitas pelapor dan kasus yang dilaporkan.

b. Perlindungan kerahasiaan identitas pelapor. Perlindungan ini diberikan kepada Pelapor yang memberikan identitas dan informasi yang dapat digunakan untuk berkomunikasi mengenai kasus yang dilaporkan.

Management of complaintComplaint handling mechanism can be illustrated in the following diagram.

protection For The whistleblowerThe facilities and protection that can be given to thecomplainant is:a. reporting media facility that ensures the

confidentiality of the identity of the reporting party and reported cases.

b. Protection of the confidentiality of the reporting partyidentity. This protection is granted to the reporting partywho give their identity and information that can be used to communicate about the reported cases.

PELAPORAN PELANGGARANwhistleblowing System

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c. Perlindungan dari tindakan balasan oleh Terlapor. Perlindungan ini meliputi perlindungan dari tekanan, penundaan kenaikan pangkat, pemecatan, gugatan hukum, ancaman terhadap harta benda serta tindakan fisik dan catatan yang merugikan dalam file data pribadinya (personal file record). MNC Bank memberikan jaminan perlindungan sebagaimana yang bisa diberikan terhadap karyawan sebagai saksi Pelapor.

d. Informasi pelaksanaan tindak lanjut berupa kapan dan bagaimana serta kepada institusi mana tindak lanjut diserahkan.

Sosialisasi whistleblowing System

Tabel Sosialisasi whistleblowing System

no. Tanggal Sosialisasisozilitation Date

posisi peserta Participant Position

Jumlah peserta Participant number

1 senin, 22 Februari 2016Monday, February 22, 2016

Back Office (operations), Card Business, Compliance, Consumer Credit, Corporate secretary, Financial Control, Internal audit, Human resource, ao Mortgage, secured Collection

33

2 rabu, 24 Februari 2016Wednesday, February 24, 2016

Back Office (operations), Card Collection, Credit Admin, Credit review, Financial Control, Human resource, Information Technology, Internal audit, ao Mortgage, Multifinance, Treasury, Relationship Manager

34

3 kamis, 19 Maret 2016saturday, March 19, 2016

Frontline Manager, Customer service representative, Teller 105

4 kamis, 21 Maret 2016Monday, March 21, 2016

Back Office (operations), Card Business, Compliance, Card Collection, Corporate secretary, Credit & loan admin, Credit review, Information Technology, secured Collection, ao Mortgage, legal

37

4 senin, 18 april 2016Monday, april 18, 2016

Back Office (operations), Card Business, Credit Card Collection, Corporate secretary, Credit & loan admin, Human Resource, General Services, AO Multifinance, relationship Manager

36

5 Jumat, 20 May 2016Friday, May 20, 2016

Back Office (operations), AO Funding, Corporate Secretary, risk Management, Funding Product Development, Financial Control

22

6 kamis, 6 Juli 2016saturday, July 16, 2016

ao Funding, Frontline Manager, Customer service representative, Teller

97

7 selasa, 9 agustus 2016Tuesday, august 09, 2016

Back Office (operations), Consumer Credit, Credit & Loan admin, network, sub Branch Manager, relationship Manager

30

Laporan whistleblowing System 2016sepanjang tahun 2016, tidak terdapat pengaduan yang masuk dan harus ditindaklanjuti.

c. Protection from retaliatory action by the reported Party. This protection includes protection from pressure, postponement of promotion, dismissal, lawsuits, threats to property and physical actions and notes that harm thepersonal data files (personal record file). MNC Bank gives protection guarantee that can be given to employees as witnesses.

d. Information on the follow up in form of when and how and where the follow-up is submitted.

whistleblowing System Socialization

whistleblowing System Report for 2016Throughout 2016, there were nil complaints received.

PELAPORAN PELANGGARANwhistleblowing System

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Laporan Tata Kelola perusahaanCorporate Governance report

pedoman Tata Kelola perusahaan Terbuka cgc guidelines for public companiespedoman Tata Kelola perusahaan Terbukacorporate governance guidelines for public companies

Penerapan di PT Bank MnC Internasional TbkThe implementation in PT Bank MnC Internasional Tbk

A. HUBUNgAN pERUSAHAAN TERBUKA DENgAN pEMEgANg SAHAM DALAM MENJAMIN HAK-HAK pEMEgANg SAHAM

relaTIonsHIP oF THe PUBlIC CoMPanY WITH THe sHareHolDers In ensUrInG THe sHareHolDers’ rIGHTs

prinsip 1Meningkatkan Nilai penyelenggaraan Rapat Umum pemegang Saham (RUpS)Principle 1Improving the Value of General Meeting of shareholders (GMs)

a.1 Perusahaan terbuka memiliki cara atau prosedur teknis pengumpulan suara (voting) baik secara terbuka maupun tertutup yang mengedepankan independensi dan kepentingan pemegang sahamPublic company has technical procedures for opened or closed voting that promote independency and shareholders’ interest

MnC Bank telah memenuhi rekomendasi ini.Tata cara mengenai pengambilan suara baik secara terbuka maupun secara tertutup diatur di dalam anggaran Dasar MnC Bank.Dalam pelaksanaan setiap rUPs, mekanisme pengambilan suara merupakan bagian dari tata tertib rapat yang diinformasikan kepada para pemegang saham di awal rapatMnC Bank has complied with this recommendation.Procedures on voting, whether opened or closed voting, are regulated under MnC Bank’s articles of association.Voting mechanism is part of the meeting procedures informed to the shareholders at the beginning of any General Meeting of shareholders

a.2 seluruh anggota Direksi dan anggota Dewan komisaris perusahaan terbuka hadir dalam rUPs tahunanall members of the Board of Directors (BoD) and the Board of Commissioners are present at annual GMs

MnC Bank telah memenuhi rekomendasi inisemua anggota Direksi dan Dewan komisaris menghadiri rUPsT 2015 dan 2016MnC Bank has complied with this recommendation. all members of the BoD and the BoC were present at the aGMs year 2015 and 2016

a.3 ringkasan risalah rUPs tersedia dalam situs web perusahaan terbuka paling sedikit selama 1 (satu) tahunsummary of GMs minutes is available on public company’s website by no less than 1 (one) year

MnC Bank telah memenuhi rekomendasi iniMnC Bank has complied with this recommendation

prinsip 2Meningkatkan Kualitas Komunikasi perusahaan Terbuka dengan pemegang Saham atau InvestorPrinciple 2Improving Communication Quality of Public Company with shareholders or Investors

2.1 Perusahaan terbuka memiliki suatu kebijakan komunikasi dengan pemegang saham atau investorPublic company has a communication policy with shareholders or investors

MnC Bank telah memenuhi rekomendasi ini.MnC Bank akan/telah menyusun suatu kebijakan komunikasi dengan pemegang saham dan investor sebagaimana direkomendasikanMnC Bank has not/has complied with this recommendationMnC Bank will/has prepare a communication policy with shareholders or investors as recommended

2.2 Perusahaan terbuka mengungkapkan kebijakan komunikasi perusahaan terbuka dengan pemegang saham atau investor dalam situs web

Public company discloses its communication policy with shareholders or investors in website

MnC Bank akan segera memenuhi rekomendasi ini.MnC Bank telah menyusun suatu kebijakan komunikasi dengan pemegang saham dan investor sebagaimana direkomendasikanMnC Bank has not/has complied with this recommendationMnC Bank will/has prepare a communication policy with shareholders or investors as recommended

PEDOMAN TATA KELoLAGCG Guidelines

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pedoman Tata Kelola perusahaan Terbuka cgc guidelines for public companiespedoman Tata Kelola perusahaan Terbukacorporate governance guidelines for public companies

Penerapan di PT Bank MnC Internasional TbkThe implementation in PT Bank MnC Internasional Tbk

B. FUNgSI DAN pERAN DEwAN KoMISARIS FUnCTIon anD role oF THe BoarD oF CoMMIssIoners

prinsip 3Memperkuat Keanggotaan dan Komposisi Dewan KomisarisPrinciple 3strengthening the Membership and Composition of the Board of Commissioners

3.1 Penentuan jumlah anggota Dewan komisaris mempertimbangkan kondisi perusahaan terbuka

Determination of number of the BoC members shall consider the condition of the public company

MnC Bank telah memenuhi rekomendasi ini sesuai dengan ketentuan yang diatur di dalam anggaran Dasar Perseroan MnC Bank has complied with this recommendation in accordance with the provision regulated in MnC Bank’s articles of association

3.2 Penentuan komposisi anggota Dewan komisaris memperhatikan keberagaman keahlian, pengetahuan, dan pengalaman yang dibutuhkan

Determination of composition of the BoC members considers the variety of expertise, knowledge and experiences required

MnC Bank telah memenuhi rekomendasi ini dengan mengacu kepada peraturan yang terkait MnC Bank has complied with this recommendation by referring to the relevant regulations

prinsip 4Meningkatkan Kualitas pelaksanaan Tugas dan Tanggung Jawab Dewan Komisaris.Principle 4Improving the Quality of Duties and responsibilities of the Board of Commissioners

4.1 Dewan komisaris mempunyai kebijakan penilaian sendiri (self assessment) untuk menilai kinerja Dewan komisaris

The BoC has self-assessment policy to assess the performance of the BoC

kebijakan penilaian (self assessment) Dewan komisaris saat ini dalam proses penyusunan dan persetujuan The BoC self-assessment policy is currently in preparation and approval process

4.2 kebijakan penilaian sendiri (self assessment) untuk menilai kinerja Dewan komisaris, diungkapkan melalui laporan tahunan perusahaan terbuka

self-assessment policy to assess the performance of the BoC is disclosed in annual report of public company

kebijakan penilaian (self assessment) Dewan komisaris saat ini dalam proses penyusunan dan persetujuan The BoC self-assessment policy is currently in preparation and approval process

4.3 Dewan komisaris mempunyai kebijakan terkait pengunduran diri anggota Dewan komisaris apabila terlibat dalam kejahatan keuangan

The BoC has a policy with respect to the resignation of the BOC members if such member involved in financial crime

MnC Bank telah memenuhi rekomendasi ini.MnC Bank telah menyusun suatu kebijakan terkait pengunduran diri anggota Dewan komisaris apabila terlibat dalam kejahatan keuangan sebagaimana direkomendasikanMnC Bank has complied with this recommendation.MnC Bank has prepared a policy with respect to the resignation of the BOC members is such member involved in financial crime as recommended

4.4 Dewan komisaris atau komite yang menjalankan fungsi nominasi dan remunerasi menyusun kebijakan suksesi dalam proses nominasi anggota direksi

The BoC or Committee that conducts nomination and remuneration function shall arrange succession policy in nomination process of the BoD members

kebijakan suksesi dan nominasi anggota Direksi saat ini sedang dalam proses penyusunan dan persetujuanPolicy of succession and nomination of member of the Board of Directors is currently in preparation and approval process

c. FUNgSI DAN pERAN DIREKSI FUnCTIon anD role oF THe BoarD oF DIreCTors

prinsip 5Memperkuat Keanggotaan dan Komposisi DireksiPrinciple 5strengthening the Membership and Composition of the Board of Directors

5.1 Penentuan jumlah anggota Direksi mempertimbangkan kondisi perusahaan terbuka serta efektivitas dalam pengambilan keputusan

Determination of number of the BoD members considers the condition of the public company and the effectiveness of decision-making

MnC Bank telah memenuhi rekomendasi ini sesuai dengan ketentuan yang diatur di dalam anggaran Dasar Perseroan MnC Bank has complied with this recommendation in accordance with the provision regulated in MnC Bank’s articles of association

PEDOMAN TATA KELOLAGCG Guidelines

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Laporan Tata Kelola perusahaanCorporate Governance report

pedoman Tata Kelola perusahaan Terbuka cgc guidelines for public companiespedoman Tata Kelola perusahaan Terbukacorporate governance guidelines for public companies

Penerapan di PT Bank MnC Internasional TbkThe implementation in PT Bank MnC Internasional Tbk

5.2 Penentuan komposisi anggota Direksi memperhatikan, keberagaman keahlian, pengetahuan, dan pengalaman yang dibutuhkan

Determination of composition of the BoD members considers the variety of expertise, knowledge and experience required

MnC Bank telah memenuhi rekomendasi ini dengan mengacu kepada peraturan yang terkait MnC Bank has complied with this recommendation by referring to the relevant regulations

5.3 anggota Direksi yang membawahi bidang akuntansi atau keuangan memiliki keahlian dan/atau pengetahuan di bidang akuntansi

Member of the BoD who is liable for accounting or finance has accounting expertise and/or knowledge

MnC Bank telah memenuhi rekomendasi iniMnC Bank has complied with this recommendation

prinsip 6Meningkatkan Kualitas pelaksanaan Tugas dan Tanggung Jawab DireksiPrinciple 6Improving the Quality of Job and responsibility Performance of Board of Directors

6.1 Direksi mempunyai kebijakan penilaian sendiri (self assessment) untuk menilai kinerja Direksi

The BoD has self-assessment policy to assess performance of BoD

Mekanisme penilaian sendiri Direksi dilakukan melalui metode perbandingan antara target yang dan pencapaian MnC Bank secara actual, sesuai dengan bidang tanggungjawab masing-masing anggota DireksiMechanism for self assessment of the Board of Directors is conducted by comparing the targets against the actual achievements of MnC Bank, in accordance with area of responsibility for each member of the Board of Directors

6.2 kebijakan penilaian sendiri (self assessment) untuk menilai kinerja Direksi diungkapkan melalui laporan tahunan perusahaan terbuka

self-assessment policy to assess the performance of the BoD is disclosed in the annual report of the public company

MnC Bank telah memenuhi rekomendasi iniMnC Bank has complied with this recommendation

6.3 Direksi mempunyai kebijakan terkait pengunduran diri anggota Direksi apabila terlibat dalam kejahatan keuangan

The BoD has a policy related to resignation of the BoD members if involved in financial crime

MnC Bank telah memenuhi rekomendasi ini.MnC Bank telah menyusun suatu kebijakan terkait pengunduran diri anggota Direksi apabila terlibat dalam kejahatan keuangan sebagaimana direkomendasikanMnC Bank has complied with this recommendationMnC Bank has prepared a policy with respect to the resignation of the BOD members is such member involved in financial crime as recommended

D. pARTISIpASI pEMANgKU KEpENTINgAN sTakeHolDers ParTICIPaTIon

prinsip 7Meningkatkan Aspek Tata Kelola perusahaan melalui partisipasi pemangku KepentinganPrinciple 7Improving Corporate Governance aspect through Participation of stakeholders

7.1 Perusahaan terbuka memiliki kebijakan untuk mencegah terjadinya insider trading

Public company has a policy to prevent insider trading

kebijakan Perdagangan efek saat ini sedang dalam proses persetujuansecurities Trading Policy is currently in approval process

7.2 Perusahaan terbuka memiliki kebijakan anti-korupsi dan anti-fraud

Public company has anti-corruption and anti-fraud policy

MnC Bank telah memenuhi rekomendasi ini dengan memiliki Pedoman kepatuhan anti-korupsi MnC Bank has complied with this recommendation by having anti-Corruption Compliance Manual

PEDOMAN TATA KELOLAGCG Guidelines

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pedoman Tata Kelola perusahaan Terbuka cgc guidelines for public companiespedoman Tata Kelola perusahaan Terbukacorporate governance guidelines for public companies

Penerapan di PT Bank MnC Internasional TbkThe implementation in PT Bank MnC Internasional Tbk

7.3 Perusahaan terbuka memiliki kebijakan tentang seleksi dan peningkatan kemampuan pemasok atau vendor

Public company has policies concerning selection and capability improvement of supplies and vendors

MnC Bank telah memenuhi rekomendasi ini MnC Bank has complied with this recommendation

7.4 Perusahaan terbuka memiliki kebijakan tentang pemenuhan hak-hak kreditur

Public company has a policy concerning the fulfillment of creditor’s right

Hak-hak kreditur diatur di dalam perjanjian antara MnC Bank dengan kreditur terkaitCreditor’s rights is stipulated under the agreement between MnC Bank and the respective creditor

7.5 Perusahaan terbuka memiliki kebijakan sistem whistle blowing

Public company has a policy of whistleblowing system

MnC Bank telah memiliki sistem whistle blowing sebagaimana telah diungkapkan di dalam laporan tahunan Perseroan MnC Bank has established a whistle blowing policy as disclosed in MnC Bank’s annual report

7.6 Perusahaan memiliki kebijakan pemberian insentif jangka panjang kepada Direksi dan karyawan

Public company has long-term incentive policy for the BoD and employees

MnC Bank telah memiliki suatu kebijakan insentif jangka panjang kepada Direksi dan karyawan berupa pinjaman pembelian rumah tanpa bunga.MnC Bank has complied with this requirement by having the policy on housing loan facility without interest for the Board of Directors and employees.

E. KETERBUKAAN INFoRMASI DIsClosUre oF InForMaTIon

prinsip 8Meningkatkan pelaksanaan Keterbukaan InformasiPrinciple 8Improving the Implementation of Information Disclosure

8.1 Perusahaan terbuka memanfaatkan penggunaan teknologi informasi secara lebih luas selain situs web sebagai media keterbukaan informasi

Public company takes benefit from the application of a broader information technology other than website as an information disclosure media

MnC Bank telah memenuhi rekomendasi ini karena saat ini selain melalui situs web, MnC Bank juga memanfaatkan media sosial sebagai media keterbukaan informasiMnC Bank has not complied yet with this recommendation because MnC Bank consider that disclosure of information through the company’s website is sufficient

8.2 laporan tahunan perusahaan terbuka mengungkapkan pemilik manfaat akhir dalam kepemilikan saham perusahaan terbuka paling sedikit 5% (lima persen), selain pengungkapan pemilik manfaat akhir dalam kepemilikan saham perusahaan terbuka melalui pemegang saham utama dan pengendali

Annual report of public company discloses beneficial owner in share ownership of public company of at least 5%, other than disclosure of beneficial owner in share ownership of public company through major and controlling shareholders

MnC Bank telah memenuhi rekomendasi ini dengan mengungkapkan struktur pemegang saham utama dan pengendali di dalam laporan tahunan MnC Bank has complied with this recommendation by disclosing the structure of majority and controlling shareholders in the annual report

PEDOMAN TATA KELOLAGCG Guidelines

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Konsep keberlanjutan perusahaan (corporate sustainability) tercermin dalam konsep triple bottom line yaitu people, profit dan planet. The concept of corporate sustainability is reflected in the “triple bottom line” principle covering people, profit and planet.

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LApoRAN TANggUNg JAwABSoSIAL pERUSAHAANCORPORATE SOCIAL RESPONSIBILITY REPORT

342 laporan Tanggung jawab sosial perusahaanCorporate Social Responsibility Report

346 Tanggung jawab sosial terhadap lingkungan HidupSocial Responsibility to the Environment

347 Tanggung jawab terhadap Ketenagakerjaan, Kesehatan dan Keselamatan Kerja (K3)Responsibility toward Occupational, Health and Safety (OHS)

349 Tanggung jawab sosial dan KemasyarakatanSocial and Community Responsibility

351 Tanggung jawab sosial terhadap produk dan nasabahResponsibility toward Products and Customers

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Laporan Tanggung Jawab Sosial perusahaanCorporate social responsibility report

Kegiatan CSR yang dilaksanakan oleh MNC Bank pada tahun 2016 lebih mengedepankan kepada peopleempowermentandfinancialInclussion.BagiMNC Bank CSR merupakan bagian yang penting bagi perusahaan karena aktivitas MNC Bank tidak hanya semata-mata memperoleh keuntungan saja, akan tetapi juga memberikan kontribusi nilai bagi para pemangku kepentingan. CSR activities carried out by MNC Bank in 2016 prioritized people empowerment and financial inclusion. For MNC Bank, CSR in an important factor, as MNC Bank does not focus solely on profit, but also provides a value contribution to stakeholders.

LAPORAN TANGGuNG JAwABSoSIAL pERUSAHAANCorporate Social Responsibility Report

sebagai bagian dari MnC Group, MnC Bank berkomitmen penuh terhadap tanggung jawab sosial perusahaan (corporate social responsibility/Csr) yang senantiasa dijalankan dengan harmonis antara kinerja ekonomi, kinerja lingkungan dan kinerja sosial. konsep keberlanjutan perusahaan (corporate sustainability) ini tercermin dalam konsep triple bottom line yaitu people, profit dan planet.

kegiatan Csr yang dilaksanakan oleh MnC Bank pada tahun 2016 lebih mengedepankan kepada people empowerment and financial Inclussion. Bagi MnC Bank Csr merupakan bagian yang penting bagi perusahaan karena aktivitas MnC Bank tidak hanya semata-mata memperoleh keuntungan saja, akan tetapi juga memberikan kontribusi nilai bagi para pemangku kepentingan lainnya yang meliputi, karyawan, pelanggan, pemasok, pemerintah dan pihak lainnya. kegiatan tanggung jawab sosial yang dijalankan bertujuan untuk bersama-sama membangun masyarakat menjadi lebih baik. oleh karena itu program Csr harus berkualitas, bukan hanyak sekedar bantuan tapi juga dengan harapan dapat memotivasi dan mengembangkan masyarakat untuk berbuat sesuatu yang bermanfaat.

as part of MnC Group, MnC Bank is fully committed to its corporate social responsibility (Csr), which is constantly carried out with harmony between economic performance, environmental performance and social performance. This concept of corporate sustainability is reflected in the triple bottom line concept of people, profit and planet.

Csr activities carried out by MnC Bank in 2016 prioritized people empowerment and financial inclusion. For MnC Bank, Csr is an important factor, as MnC Bank does not focus solely on profit, but also provides other valuable contribution to stakeholders, including employers, customers, suppliers, the government and other parties. Csr activities aim to work together to develop a better society. as such, Csr programs must be of good quality – not merely a donation, but also with the intention of being able to motivate and develop society to do beneficial contributions.

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LAPORAN TANGGuNG JAwAB SOSIAL PERuSAHAANCorporate Social Responsibility Report

Berikut adalah target dari kegiatan Tanggung Jawab sosial yang dilakukan MnC Bank: 1. Financial Inclussion – Memberikan wawasan dan

edukasi kepada masyarakat agar masyarakat Indonesia paham terhadap aspek keuangan. salah satunya dengan cara melaksanakan kegiatan edukasi dan literasi yang dilaksanakan di sekolah.

2. Building Community – Membentuk masyarakat Indonesia yang cerdas, kreatif dan inovatif melalui pemberdayaan kepada masyarakat melalui komunitas, seperti mendukung kegiatan di bidang olahraga, Business dan Career Development.

3. Health Society – menciptakan masyarakat Indonesia sehat jasmani dan rohani. salah satu contohnya yaitu dengan partisipasi aktif dalam berbagai kegiatan Donor Darah secara rutin.

Kaleidoskop cSR 2016 | Csr kaleidoscope 2016

Bulan | Month Tanggal/Kegiatan | Date/activity

Februari 6 Feb Maulid nabi Muhammad saW 1437 H Masjid Darussalam – MentengBirthday of the Prophet Muhammad saW 1437 H Masjid Darussalam - Menteng

12 Feb Csr Peringatan Maulid nabi Muhammad saW di Mesjid BimantaraCsr Birthday of the Prophet Muhammad saW at Mesjid Bimantara

29 Feb Pelaksanaan Program Csr MnC Bank (Donor Darah) “MNC Love Donation”MnC Bank Blood Donation Csr activity “MNC Love Donation”

Mei 4 Mei Biaya sponsorship Bina Putra Football Clubsponsorship for Bina Putra Football Club

31 Mei Pelaksanaan Program Csr MnC Bank (Donor Darah) "MNC Love Donation"MnC Bank Blood Donation Csr activity “MNC Love Donation”

Juni 14 Jun Buka Puasa Bersama dan santunan kepada masyarakat sekitar di seluruh Cabang MnC Bank pada bulan ramadhan 1437 HBreaking of the fast and visiting the community around all MnC Bank Branches in the month of ramadhan 1437 H

14 Jun Csr MnC Bank kepada "sekolah saJa"MnC Bank Csr activity "sekolah saJa"

21 Jun Buka puasa bersama Manajemen & karyawan MnC BankBreaking of the fast with MnC Bank employees and management

8 Jun Partisipasi pada acara loJ Conference 2016Participation in the loJ Conference 2016

agustus 23 agust Pelaksanaan Program Csr MnC Bank (Donor Darah) "MNC Love Donation"MnC Bank Blood Donation Csr activity “MNC Love Donation”

september 9 sept Penyerahan hewan Qurban MnC Bank 1437 HMNC Bank animal sacrifice for Eid al-Adha 1437 H

15 sep edukasi dan literasi keuanganFinancial education and literacy

Following are the targets of Csr activities carried out by MnC Bank: 1. Financial Inclusion – Providing insight and

education to the Indonesian public to allow them to understand financial matters. This includes education and literacy activities carried out at schools.

2. Building Community – Developing an intelligent, creative and innovative Indonesia through community empowerment, such as supporting activities in the fields of sports, business and career development.

3. Health society – Creating an Indonesian society healthy in mind and body. For example, active participation in routine Blood Donor activities.

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Laporan Tanggung Jawab Sosial perusahaanCorporate social responsibility report

LAPORAN TANGGuNG JAwAB SOSIAL PERuSAHAANCorporate Social Responsibility Report

Bulan | Month Tanggal/Kegiatan | Date/activity

oktober 27 okt Ibadah Perayaan natal 2016Celebration of Christmas 2016

19 okt edukasi dan literasi keuanganFinancial education and literacy

Desember 13 Des sumbangan Ibadah Perayaan natal keluarga Besar MnC Group 2016Donations to MnC Group’s Big Family Christmas Celebrations 2016

16 Des sumbangan Ibadah Perayaan natal bersama Pasar Modal 2016Donations to Christmas Celebrations 2016 in conjunction with the Capital Market

Kebijakan dan pelaksanaaan cSR

· Kebijakan cSRUpaya MnC Bank dalam menciptakan hubungan yang harmonis dengan pemangku kepentingan diwujudkan melalui kegiatan yang melibatkan masyarakat setempat sebagai upaya peningkatan tanggung jawab sosial. Dalam mewujudkan kepentingan para pemangku kepentingan, pemegang saham dan juga masyarakat sekitar MnC Bank melaksanakan program Csr yang berlandaskan atas dasar hukum Peraturan Bapepam- lk nomor x.k.6 tentang Penyampaian laporan Tahunan emiten atau Perusahaan Publik, yang berisi tentang tanggung jawab sosial Perusahaan terhadap masyarakat menjadi beban operasional perusahaan. MnC Bank berkomitmen untuk selalu meningkatkan kualitas pelaksanaan program Csr secara berkelanjutan dengan mengikutsertakan pemangku kepentingan yang terkait. Identifikasi kebutuhan para pemangku kepentinganpun dilaksanakan agar program Csr yang dilakukan dapat tepat sasaran.

cSR policy and Implementation

· cSR policyMnC Bank’s efforts to create harmonious relations with stakeholders are aimed through activities covering the local community. In order to attain the interests of stakeholders, shareholders and local communities, MnC Bank carries out Csr activities with a regulatory foundation in Bapepam-lk regulation x.k.6 on the submission of annual reports by Issuers or Public Companies, which is concerned with a Company’s corporate social responsibility to the community as a company operational cost. MnC Bank is committed to increasing the quality of its Csr programs in a sustainable way by involving related stakeholders. Identification of the needs of stakeholders allows Csr programs to be carried out in line with targets.

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LAPORAN TANGGuNG JAwAB SOSIAL PERuSAHAANCorporate Social Responsibility Report

· Bidang Kegiatan cSRProgram kegiatan Csr MnC Bank terbagi dalam beberapa bidang, yaitu : - Bidang kesehatan

Pelaksanaan program Csr terkait bidang kesehatan antara lain program pengobatan gratis dan program donor darah yang secara rutin.

- Bidang Pendidikan/edukasi kepada Masyarakat Meliputi pemberian edukasi kepada masyarakat terkait literasi keuangan yang dilakukan di sekolah-sekolah.

- Bidang sosial. Program bidang sosial dilaksanakan melalui kegiatan-kegiatan keagaman antara lain buka puasa bersama, perayaan Hari raya keagamaan di lingkungan karyawan serta pelaksanaan santunan kepada anak yatim di beberapa Panti asuhan dan bantuan sosial lainnya.

Anggaran dan pelaksanaan program cSR Pada tahun 2016 MnC Bank telah mengalokasikan anggaran sebesar rp211.015.000 untuk pelaksanaan kegiatan Csr yang dialokasikan pada beberapa program kegiatan sebagai berikut.

Kegiatan cSR | cSR Activity Dana | Fundskesehatan | Health 7.340.000

Pendidikan | education 32.000.000

sosial | social 171.675.000

Jumlah | Total 211.015.000

· cSR Activity AreasMnC Bank’s Csr activities are divided into a range of fields, namely: - Health

Csr programs relating to health include free medication programs and routine blood donation programs.

- Community educationCovers providing education to the community on financial literacy, carried out at schools.

- social The social programs involve religious activities including breaking of the fast, celebration of religious holidays and visiting orphans at various orphanages and other social aid agencies.

cSR program Implementation and BudgetIn 2016 MnC Bank allocated a total budget of rp211,015,000 for Csr activities, which has been allocated to the following programs:

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Laporan Tanggung Jawab Sosial perusahaanCorporate social responsibility report

KEBIJAKANBagi sebuah institusi perbankan, dampak langsung kegiatan operasional terhadap lingkungan memang relatif lebih rendah dibandingkan industri lainnya. namun dengan komitmen MnC Bank yang tinggi, MnC Bank mengelola dan meminimalkan risiko/dampak operasionalnya terhadap lingkungan. Bentuk partisipasi MnC Bank dalam upaya pelestarian terhadap lingkungan hidup dipraktikkan mulai dari hal-hal kecil dalam kegiatan operasional sehari-hari baik di kantor pusat maupun kantor cabang.

Dalam mendukung dan menjaga lingkungan hidup, MnC Bank melakukan beberapa langkah dan upaya, diantaranya penghematan penggunaan kertas, penggunaan listrik, air dan penggunaan bahan bakar minyak. Beberapa kegiatan penghematan tersebut selain mengurangi efek negatif terhadap lingkungan sekitar, juga memberikan dampak positif terhadap Bank, yaitu terciptanya budaya efisiensi.

KEgIATANProgram penghematan yang dilaksanakan MnC Bank adalah sebagai berikut:

1. Penghematan penggunaan kertas dengan memaksimalkan penggunaan email atau soft copy. Penghematan penggunaan kertas dengan konsep papperless sudah diterapkan MnC Bank dan diharapkan dapat membantu kelestarian alam, mengurangi penebangan pohon mengingat produksi kertas menggunakan bahan baku kayu.

2. Penghematan penggunaan listrik dan penghematan penggunaan air. Penghematan listrik dilakukan dengan cara mematikan lampu dan aC pada ruangan yang sedang tidak digunakan dan mengoptimalkan penggunaan air. sosialisasi penghematan listrik dan air pun dilaksanakan guna memberikan awareness karyawan akan efisiensi.

3. Penghematan penggunaan bahan bakar minyak (BBM) dengan melakukan pengendalian penggunaan BBM kendaraan operasional maupun kendaraan dinas jabatan. MnC Bank menyadari bahwa saat ini seluruh elemen masyarakat harus turut membantu mengurangi dan menanggulangi krisis energi.

poLIcYFor a banking institution, the direct impact of operational activities is necessarily lower than other industries. However, with a firm commitment, MNC Bank manages and minimizes its risk/operational impact in the environment. MnC Bank participation in efforts to conserve the environment starts from small matters in operational day-to-day activities, both at head office and at branch offices.

In support of maintaining the environment, MnC Bank carries out a range of steps and efforts, including saving paper, electricity usage, water and fuel consumption. These conservation efforts, as well as reducing negative impact on the surrounding environment, also provide a positive impact on MnC Bank – namely creating a culture of efficiency.

AcTIVITYConservation programs carried out by MnC Bank are as follows:

1. saving paper by maximizing use of email or soft copy. Paper conservation through application of the paperless concept has been applied by MnC Bank and has helped efforts to preserve the environment and reduce felling of trees used to produce paper.

2. electricity conservation and water conservation. electricity conservation involves turning off all lights and air conditioning units in rooms currently not in use and optimizing water usage. Promotion of water and electricity conservation also increases employee awareness of efficiency.

3. Conservation of fuel by controlling use of gasoline for operational vehicles used by officials. MNC Bank is aware that all elements of society must join in reducing and handling the energy crisis.

TANGGuNG JAwAB SOSIAL TERHADAp LINgKUNgAN HIDUpSocial Responsibility to the Environment

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TANGGuNG JAwAB TERHADAP KETENAgAKERJAAN,

KESEHATAN DAN KESELAMATAN KERJA (K3)

Responsibility toward Occupational, Health and Safety (OHS)

KEBIJAKAN KETENAgAKERJAANMnC Bank terus berupaya untuk mematuhi semua peraturan perundang-undangan yang berlaku terkait bidang ketenagakerjaan. Untuk mencapai kinerja bisnis yang optimal MnC Bank juga telah mensosialisasikan Peraturan Perusahaan, nilai-nilai Budaya Perusahaan dan kode etik kepada seluruh pemangku kepentingan yang terkait dengan MnC Bank.

selanjutnya dalam hal ketenagakerjaan, karyawan merupakan aset terpenting dan berharga bagi MnC Bank, oleh karena itu MnC Bank selalu menciptakan hubungan kerja sama yang harmonis antara manajemen dan seluruh karyawan. Dan didalam praktiknya, MnC Bank memberi perlakuan yang sama terhadap seluruh karyawan dengan tidak memandang suku, ras, agama, gender.

Kegiatan Ketenagakerjaan· Kesetaraan gender dan Kesempatan Kerja

MnC Bank memberikan kesempatan yang sama bagi semua pihak untuk mengikuti program rekrutmen karyawan. Pengangkatan calon karyawan didasarkan atas hasil seleksi dan hasil evaluasi pada masa percobaan.

· Kesetaraan dalam program pendidikan dan pelatihan MnC Bank selalu berupaya meningkatkan skill dan kapasitas karyawan untuk menunjang operasional Perusahaan. setiap karyawan memiliki kesempatan yang sama untuk mengikuti program pendidikan dan pelatihan, namun pelaksanaan program ini harus disesuaikan dengan kebutuhan dan rencana pengembangan perusahaan.

· Remunerasikebijakan remunerasi yang diterapkan MnC Bank adalah dengan menggunakan merit sistem yang mengedepankan skill, kompetensi dan integritas karyawan. MnC Bank juga mentaati semua aturan yang berlaku terkait remunerasi, dimana besaran remunerasi seluruh karyawan telah sesuai atau berada di atas standar Upah Minimum yang berlaku di wilayah operasional MnC Bank.

EMpLoYMENT poLIcYMNC Bank constantly strives to fulfill all regulations and laws relating to employment. In order to attain optimal business performance, MnC Bank promotes laws and regulations, corporate culture and the code of ethics to all stakeholders related to MnC Bank.

as regards employment, employees are the most important and valuable assets for MnC Bank. as such, MnC Bank strives to create harmonious working relations between management and employees. In practice, MnC Bank treats all employees the same without regard to ethnicity, race, religion or gender.

Employment Activities· gender Equality and work opportunities

MnC Bank offers the same opportunity for all parties to participate in employee recruitment programs. employees are hired according to the results of selection and probationary-period assessment.

· Equality in education and training

MnC Bank strives to increase the skills and capacities of employees in order to boost Company operations. all employees have the same opportunity to participate in training and education programs, but these programs must be in accordance with the needs of company development.

· Remunerationremuneration policy set by MnC Bank entails use of a merit system prioritizing employee skills, competency and integrity. MnC Bank also complies with all prevailing regulations related to remuneration, with a majority of remuneration above minimum standards in MnC Bank’s operational regions.

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KEBIJAKAN KESEHATAN KARYAwANkesehatan karyawan merupakan salah satu kunci utama dari tercapainya optimalisasi kinerja karyawan secara individu dan perusahaan secara keseluruhan. oleh karenanya, upaya menjaga kesehatan karyawan menjadi tanggung jawab bersama, MnC Bank memberikan fasilitas kesehatan bagi karyawannya dan keluarganya agar karyawan dapat bekerja dengan lebih optimal.

· Kegiatan Kesehatan KaryawanMnC Bank melakukan berbagai program terkait kegiatan kesehatan karyawan, diantaranya menyediakan layanan kesehatan bagi karyawan beserta keluarga inti yang menjadi tanggungannya yang diharapkan berdampak pada perbaikan produktivitas MnC Bank. Jaminan kesehatan yang diterima seluruh karyawan berupa asuransi kesehatan untuk istri/suami dan anak. Fasilitas layanan kesehatan karyawan diatur dalam surat keputusan Direksi no.063/sk/HrG/III/2015 tanggal 30 Maret 2015, tentang Penetapan Benefit dan Fasilitas karyawan MnC Bank adapun jaminan fasilitas kesehatan yang diberikan meliputi:1. rawat Inap2. rawat Jalan3. Penggantian kacamata 4. Medical Check Up 5. Penggantian biaya persalinan sampai dengan

anak ketiga.

KEBIJAKAN KESELAMATAN KERJA Dengan tekad yang tinggi, MnC Bank menciptakan lingkungan kerja yang sehat, bebas cedera dan melakukan kegiatan operasional sesuai kaidah yang berlaku. MnC Bank terus melakukan upaya penerapan kebijakan keselamatan kerja secara optimal untuk memperhatikan keselamatan lingkungan kerja dengan target zero accident. selama tahun 2016, tidak terdapat kecelakaan kerja yang terjadi di MnC Bank.

· Jaminan Sosialseluruh karyawan telah diikutsertakan sebagai peserta jaminan sosial Tenaga kerja (Jamsostek) melalui BPJs ketenagakerjaan. Program yang diikuti adalah Program Jaminan Hari Tua (JHT), Program Jaminan kecelakaan kerja (Jkk) dan Program Jaminan kematian (Jk), yang bertujuan untuk menjamin adanya keamanan dan kepastian bagi karyawan terhadap risiko kecelakaan kerja, cacat, hari tua dan meninggal dunia.

EMpLoYEE HEALTH poLIcYemployee health is one of the keys to achieving optimal employee performance on an individual basis and for the overall Company. as such, efforts to maintain employee health are a joint responsibility, and MnC Bank provides health facilities to its employees and their families in order to allow employees to work in an optimal way.

· Employee Health ActivitiesMnC Bank carries out a range of programs relating to employee health, including offering health service to employees and their immediate families with the aim of boosting MnC Bank productivity. Health guarantees received by all employees are in the form of health insurance for husbands and wives and children. employee health service facilities are regulated in the Directors Decree no.063/sk/HrG/III/2015 dated 30 March 2015, on the Determination of Benefits and Facilities for employees of MnC Bank Health guarantees cover:

1. Inpatient services2. outpatient services3. replacement of spectacles 4. Medical Check-Ups5. reimbursement of childbirth fees up to the

third child.

woRK SAFETY poLIcYWith high commitment, MnC Bank creates a working environment that is healthy, free of injury and conducive to operational activity, in line with prevailing rules. MnC Bank carries out efforts to apply a policy of optimal workplace safety with a target of zero accidents. In 2016, there were no workplace accidents at MnC Bank.

· Social Securityall employees are included in employment social security through the social security agency (BPJs employment). Programs include the retirement age Program, Workplace accident Insurance and the Death Insurance Program, which aim to provide security and certainty to employees regarding the risk of workplace accidents, disability, retirement or death.

TANGGuNG JAwAB TERHADAP KETENAGAKERJAAN, KESEHATAN DAN KESELAMATAN KERJA (K3)Responsibility toward Occupational, Health and Safety (OHS)

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KEBIJAKANMasyarakat merupakan salah satu pemangku kepentingan yang paling penting bagi MnC Bank. Dan kesejahteraan masyarakat menjadi sangat penting, oleh karena itu, MnC Bank memandang sangat perlu untuk melakukan pengembangan sosial terhadap masyarakat. Beberapa program Csr MnC Bank yang terkait dengan tanggung jawab sosial dan kemasyarakatan adalah sebagai berikut :

perihalevents

KeteranganDescription

TanggalDate

Kerjasama TerkaitIn Cooperation With

kegiatan Maulid nabi Muhammad 1437 H

Birthday of the Prophet Muhammad 1437 H

MnC Bank ikut berpartisipasi dengan memberikan sumbangan Csr dalam kegiatan perayaan menyambut Maulid nabi Muhammad 1437H di Mesjid Darussalam Menteng dan Mesjid Bimantara.MnC Bank participated in Csr donations to celebrations of the Birthday of the Prophet Muhammad 1437H at Mesjid Darussalam Menteng and Mesjid Bimantara.

6 Februari 201612 Februari 2016

Mesjid Darussalam Menteng & Mesjid Bimantara

Darussalam Menteng & Bimantara Mosques

Program rutin Csr Donor Darah “MnC love Donation”

routine MnC Bank blood donation program “MnC Love Donation”

MnC Bank berperan aktif dalam kegiatan Csr Donor Darah yang rutin dilakukan setiap 3 bulan sekali bersama MnC Group.kegiatan ini bekerja sama dengan Palang Merah Indonesia (PMI) dalam pelaksanaannya. MnC Bank plays an active role in routine blood donation programs every three months alongside MnC Group. This activity is held in cooperation with the Indonesian red Cross (PMI).

23 Februari 2016, 21 Mei 2016 dan 23 agustus 2016

Palang Merah Indonesia (PMI) sukabumi

Indonesian red Cross (PMI) sukabumi

edukasi dan literasi keuangan

Financial education and literacy

MnC Bank turut melakukan kegiatan edukasi dan literasi keuangan. Pada tahun 2016, MnC Bank melakukan kegiatan edukasi dan literasi keuangan di kota Pekanbaru dan kota Tarakan. kegiatan ini ditujukan kepada anak – anak sD yang dilakukan di sD azzhura, sD 010 Pekanbaru dan sD 03 Tarakan. edukasi diberikan langsung oleh Presiden Direktur MnC Bank dan juga Branch Manager cabang Pekanbaru.MNC Bank participates in financial literacy and education programs. In 2016, MnC Bank engaged in financial literacy and education in the cities of Pekanbaru and Tarakan. This activity was aimed to elementary school students at sD azzhuram sD 010 Pekanbaru and sD 03 Tarakan. education was imparted directly by the President Director of MnC Bank dan and the Branch Manager of Pekanbaru Branch.

15 september 2016, 17 & 19 oktober 2016

sD asshura, sD 010 Pekanbaru dan sD 03 Tarakan

sD asshura, sD 010 Pekanbaru and sD 03 Tarakan

poLIcYThe community is an important stakeholder in MnC Bank. General prosperity is vital, and as such, MnC Bank believes it is very important to develop society and the community. MnC Bank Csr programs relating to social and community responsibility are as follows:

TANGGuNG JAwAB SOSIAL DAN

KEMASYARAKATANSocial and Community Responsibility

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TANGGuNG JAwAB SOSIAL DAN KEMASYARAKATANSocial and Community Responsibility

perihalevents

KeteranganDescription

TanggalDate

Kerjasama TerkaitIn Cooperation With

Buka puasa bersama dan santunan kepada anak yatim

Breaking of the fast and visits to orphans

Pada bulan ramadhan MnC Bank memberi santunan kepada anak yatim serta mengadakan kegiatan buka bersama. kegiatan ini bukan hanya dilakukan di kantor pusat, tapi juga pada setiap cabang MnC Bank di seluruh Indonesia.In the month of ramadhan, MnC Bank visited orphans and held joint activities with them. This activity was held not only by Head Office, but also by all MNC Bank branch in Indonesia.

14 Juni 2016 Baznas (Badan amil Zakat nasional)

Baznas (national alms agency)

Memberikan dukungan di bidang olahraga

Support in the field of sports

MnC Bank juga turut mendukung masyarakat dari aspek olahraga. salah satunya yaitu dengan mendukung menyumbangkan dana untuk Bina Putra Footbal Club.MnC Bank also supports people in sports, including by donations to Bina Putra Football Club.

4 Mei 2016 Bina Putra Footbal Club

Memberikan sumbangan hewan qurban

Donation of animals for sacrifice

Menyambut Hari raya idul adha, MnC Bank juga ikut memberikan hewan qurban berupa 3 ekor kambing yang disalurkan melalui mesjid bimantara.To celebrate eid al-adha, MnC Bank also donated three sacrificial goats via Mesjid Bimantara.

9 september 2016

MnC Group & Mesjid Bimantara

MnC Group & Bimantara Mosque

Donasi dalam kegiatan sekolah anak jalanan (saJa)

Donations and activities with the street Children school (saJa)

Dalam aspek pendidikan, MnC Bank juga memperhatikan kepentingan masa depan pendidikan para anak jalanan dengan memberikan donasi ke sekolah anak jalanan (saJa).In terms of education, MnC Bank also recognizes the importance of educating street children by donating to the street Children school Community (saJa).

14 Juni 2016 komunitas sekolah anak Jalanan (saJa)

street Children school Community (saJa)

sumbangan Ibadah natal

Donations for Christmas

MnC Bank juga ikut memberikan sumbangan utk kegiatan ibadah dan perayaan natal. MnC Bank berpartisipasi pada kegiatan natal keluarga besar MnC Group dan juga kegiatan natal bersama Pasar Modal.MnC Bank also provided donations to the celebration of Christmas. MnC Bank participates in Christmas celebrations alongside MnC Bank and the Capital Market.

9 & 10 Desember 2016

Panitia natal Pasar Modal

Capital Market Christmas Committee

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KEBIJAKANMnC Bank berkomitmen untuk memberikan layanan terbaik kepada setiap nasabah. Bukan hanya dari segi produk tapi juga layanan yang terpercaya, konsisten, aman dan totalitas memenuhi seluruh kebutuhan masyarakat. Hal ini merupakan wujud dari pemenuhan tanggung jawab MnC Bank kepada nasabah.

KEgIATANMnC Bank tidak hanya menyediakan produk perbankan yang aman dan bermanfaat bagi masyarakat namun juga memberikan perlindungan maksimal kepada konsumen (product responsibility). Bentuk komitmen MnC Bank terhadap perlindungan konsumen, diantaranya : 1. Memberikan produk yang lengkap dan terintegrasi. 2. Menjamin kerahasiaan nasabah.3. Menyediakan layanan call center 24 jam sehari

dan 7 hari seminggu untuk memberikan informasi layanan hingga pengaduan atas layanan kepada nasabah.

4. Menyediakan website dan media sosial yang dapat diakses oleh seluruh nasabah untuk memperoleh informasi dan memberikan aspirasinya terhadap perseroan.

MENJAMIN KERAHASIAAN NASABAH

MnC Bank berkomitmen untuk menjaga kepercayaan dan kerahasiaan nasabah yang mengacu pada ketentuan berikut:1. Undang-Undang no.7 Tahun 1992 tentang

Perbankan2. Undang-Undang republik Indonesia nomor 10

Tahun 1998 Tentang Perubahan atas Undang-Undang nomor 7 Tahun 1992

3. PBI no.2/19/PBI/2000 tentang Persyaratan dan Tata Cara Pemberian Perintah atau Izin Tertulis Membuka rahasia Bank Terkait kebijakan kerahasiaan nasabah, yang dimaksud rahasia bank menurut Pasal 1 angka 28 Undang-Undang republik Indonesia nomor 10 Tahun 1998 Tentang Perubahan atas Undang-Undang nomor 7 Tahun 1992 tentang Perbankan bahwa rahasia Bank adalah segala sesuatu yang berhubungan dengan keterangan mengenai nasabah penyimpanan dan simpanannya”. Keterangan mengenai nasabah selain sebagai nasabah Penyimpan, bukan merupakan keterangan yang wajib dirahasiakan bank.

poLIcYMnC Bank is committed to providing the best services to every customer, not only in terms of product but also by providing trusted, consistent, safe services to meet all the needs of the public. This is part of MnC Bank’s responsibility to customers.

AcTIVITIESMnC Bank not only offers baking products that are safe and beneficial for the public, but also provides maximum protection to customers through its product responsibility. MnC Bank’s commitment to consumer protection takes the form of: 1. Providing comprehensive and integrated products. 2. Guaranteeing customer confidentiality.3. Providing a 7-day, 24-hour call center to provide

service information regarding customer services.

4. Providing a website and social media accessible by all customers in order to obtain information and convey their aspirations to MnC Bank.

gUARANTEEINg cUSToMER coNFIDENTIALITYMnC Bank is committed to maintaining customer confidence and confidentiality, which refers to the following stipulations: 1. law no.7/1992 on Banking

2. law no.10/1998 in liue of law no.7/1992

3. PBI no.2/19/PBI/2000 on stipulations and Methods on Conveying Instructions or Written Permission to Uncover Customer Confidentiality, referring to bank privacy according to Paragraph 1 Figure 28 of law no.10/1998 In lieu of law no.7/1992 on Banking, setting out that Bank Privacy refers to all information on savings customers and their savings. Information on customers other than savings Customers does not have to be kept secret by a bank.

TANGGuNG JAwAB SOSIAL TERHADAP

pRoDUK DAN NASABAHResponsibility toward Products and Customers

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TANGGuNG JAwAB SOSIAL TERHADAP PRODuK DAN NASABAHResponsibility toward Products and Customers

akan tetapi, terdapat beberapa pengecualian bagi bank untuk memberikan rahasia bank sejalan dengan Pasal 40 ayat 1 Undang-undang Perbankan bahwa “Bank wajib merahasiakan keterangan mengenai nasabah penyimpan dan simpanannya, kecuali dalam hal sebagaimana dimaksud dalam Pasal 41, Pasal 41a, Pasal 42, Pasal 43, Pasal 44 dan Pasal 44A.” Beberapa pengecualian bagi bank untuk memberikan rahasia bank itu, yaitu dalam hal-hal berikut: 1. Untuk kepentingan perpajakan Pimpinan Bank

Indonesia atas permintaan Menteri keuangan berwenang mengeluarkan perintah tertulis kepada bank agar memberikan keterangan dan memperlihatkan bukti-bukti tertulis serta surat-surat mengenai keadaan keuangan nasabah Penyimpan tertentu kepada pejabat pajak (Pasal 41 ayat (1) UU Perbankan).

2. Untuk penyelesaian piutang bank yang sudah diserahkan kepada Badan Urusan Piutang dan lelang negara/ Panitia Urusan Piutang negara. Pimpinan Bank Indonesia memberikan izin kepada pejabat Badan Urusan Piutang dan lelang negara/ Panitia Urusan Piutang negara untuk memperoleh keterangan mengenai simpanan nasabah debitur (Pasal 41a ayat (1) UU Perbankan).

3. Untuk kepentingan peradilan dalam perkara pidana. Pimpinan Bank Indonesia dapat memberikan izin kepada Polisi, Jaksa atau Hakim untuk memperoleh keterangan dari bank mengenai simpanan tersangka atau terdakwa pada bank (Pasal 42a ayat (1) UU Perbankan).

4. Dalam perkara perdata antara bank dengan nasabahnya. Direksi bank yang bersangkutan dapat menginformasikan kepada pengadilan tentang keadaan keuangan nasabah yang bersangkutan dan memberikan keterangan lain yang relevan dengan perkara tersebut (Pasal 43 Undang-Undang no.7 Tahun 1992 tentang Perbankan).

5. Dalam rangka tukar menukar informasi antar bank Direksi bank dapat memberitahukan keadaan keuangan nasabahnya kepada bank lain (Pasal 44 Undang-Undang no.7 Tahun 1992 tentang Perbankan).

6. atas permintaan, persetujuan atau kuasa dari nasabah penyimpan yang dibuat secara tertulis, Bank wajib memberikan keterangan mengenai

There are however exceptions for banks as regards privacy, in line with article 40 of the Banking law: “Banks are obliged to keep confidential any information on savings customers and their savings, except in line with Articles 41, 42, 43, 44 and 44A.” Exceptions to banking privacy include the following:

1. For the interests of taxation, the Chairman of Bank Indonesia, at the behest of the Finance Minister, are authorized to convey written instructions to a bank to release information and written proof of the finances of certain Savings Customers to tax officials (Article 41 clause (1) of the Banking Law).

2. In order to pay debts submitted to the state receivables and auction affairs agency/state receivables affairs Committee. The Chairman of Bank Indonesia may permit officials of these institutions to obtain information on debtor customers (article 41 of the Banking law).

3. In the interests of justice during judicial processes. The Chairman of Bank Indonesia may permit members of the Policy, Attorney General’s Office or Judges to obtain information on suspects or convicts from banks (article 42 of the Banking law).

4. In civil matters between customers. relevant Bank Directors may inform the court of the financial state of a relevant customer and provide other relevant information to the civil case (article 43 of the Banking law).

5. In the framework of interbank information exchange, Bank director may inform other banks of the financial state of a customer (Article 44 of the Banking law).

6. at the written demand, approval or power of a savings customer, MnC Bank is obliged to provide

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TANGGuNG JAwAB SOSIAL TERHADAP PRODuK DAN NASABAHResponsibility toward Products and Customers

simpanan nasabah penyimpan pada bank yang bersangkutan kepada pihak yang ditunjuk oleh nasabah penyimpan tersebut (Pasal 44a ayat (1) UU Perbankan).

7. Dalam hal nasabah penyimpan telah meninggal dunia. ahli waris yang sah dari nasabah penyimpan yang bersangkutan berhak memperoleh keterangan mengenai simpanan nasabah penyimpan tersebut (Pasal 44a ayat (2) UU Perbankan). Terkait kebijakan agar Bank merahasiakan keterangan mengenai nasabah penyimpan dan simpanannya juga diatur dalam Pasal 2 ayat (1) PBI nomor 2/19/PBI/2000 tentang Persyaratan dan Tata Cara Pemberian Perintah atau Izin Tertulis Membuka rahasia Bank. “Bank wajib merahasiakan segala sesuatu yang berhubungan dengan keterangan mengenai Nasabah Penyimpan dan Simpanan Nasabah”.

namun kewajiban untuk menjaga kerahasiaan nasabah tidak berlaku untuk [Pasal 2 ayat (4) PBI 2/19/2000]:

a. kepentingan perpajakan;b. Penyelesaian piutang Bank yang sudah diserahkan

kepada Badan Urusan Piutang dan lelang negara/Panitia Urusan Piutang negara;

c. kepentingan peradilan dalam perkara pidana;d. kepentingan peradilan dalam perkara perdata

antara Bank dengan nasabahnya;e. Tukar menukar informasi antar Bank;f. Permintaan persetujuan atau kuasa dari nasabah

Penyimpan yang dibuat secara tertulis;g. Permintaan ahli waris yang sah dari nasabah

Penyimpan yang telah meninggal dunia.

cALL cENTER 1500188MnC Bank selalu berusaha untuk mengimplementasikan program-program yang dapat memenuhi harapan maupun kepuasan nasabah. salah satunya adalah dengan menyediakan fasilitas dan media komunikasi agar nasabah dapat menyampaikan keluhan ataupun masukan terkait dengan produk dan/atau jasa yang diberikan oleh MnC Bank. nasabah dapat menyampaikan keluhan maupun masukan tersebut melalui Call Center MnC Bank yang memberikan layanan perbankan 24 jam sehari dan 7 hari seminggu dan dapat diakses dengan menghubungi nomor 1500188. nasabah dapat memperoleh informasi produk, informasi transaksi dan pelayanan sekaligus menyampaikan pengaduan atas layanan kepada nasabah.

information on that customer to the relevant party or parties (article 44a Point (1) of the Banking law).

7. In the case of the death of a customer. legitimate authorized representatives of the customer in questions may obtain information about the customer savings (article 44a Point (2) of the Banking law). Policy of MnC Bank’s privacy on keeping the customers and their savings is also regulated in the article 2 clause (1) of Bank Indonesia regulation no.2/19/PBI/2000 regarding the requirements and Procedures of Instruction or Written Permission to open MnC Bank’s Privacy. “The Bank obliges to maintain confidentiality on all related to the Customers and their Savings”.

However, this obligation to keep the confidentiality of customer is not applicable for (article 2 clause (4) of PBI 2/19/2000):a. Taxes requirements;b. settlement of Bank’s debts that has been submitted

to the state receivables and auction affairs agency/state receivables affairs Committee;

c. Court requirements in criminal cases;d. Court requirements in civil cases between MnC

Bank and Customers;e. Information exchanges between Banks;f. request of approval or proxies from the savings

Customers made in writing;g. request of legitimate defendants of the savings

Customers that are passed away.

cALL cENTER 1500188MnC Bank constantly strives to implement programs able to meet the expectations and satisfaction of customers. one such way is by offering facilities and communications media allowing customers to convey complaints or input regarding the products and/or services offered by MnC Bank. Customers may convey complaints or input via the MnC Bank Call Center, which provides services of 24 hours a day, seven days a week, and can be contacted at 1500188. Customers can obtain information on products, transactions and services, as well as conveying their complaint or input regarding customer service.

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LApoRAN KEUANgAN DAN LApoRAN

AUDIToR INDEpENDEN

FINANCIAL STATEMENTS AND INDEPENDENT AUDITORS’ STATEMENTS

31 DECEMBER 2016

31 DESEMBER 2016

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Laporan Keuangan Tahunan 2016Financial statements 2016

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PT BANK MNC INTERNASIONAL TBK DAFTAR ISI

PT BANK MNC INTERNASIONAL TBK TABLE OF CONTENTS

Halaman/

Page

SURAT PERNYATAAN DIREKSI DIRECTORS’ STATEMENT LETTER LAPORAN AUDITOR INDEPENDEN INDEPENDENT AUDITORS’ REPORT LAPORAN KEUANGAN – Untuk tahun-tahun yang berakhir

31 Desember 2016 dan 2015

FINANCIAL STATEMENTS – For the years ended December 31, 2016

and 2015

Laporan Posisi Keuangan 1 Statements of Financial Position Laporan Laba Rugi dan Penghasilan Komprehensif Lain

3

Statements of Profit or Loss and Other Comprehensive Income

Laporan Perubahan Ekuitas 5 Statements of Changes in Equity Laporan Arus Kas 6 Statements of Cash Flows Catatan atas Laporan Keuangan 7 Notes to Financial Statements

362

364

366

367

368

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PT BANK MNC INTERNASIONAL TBK PT BANK MNC INTERNASIONAL TBKLAPORAN POSISI KEUANGAN STATEMENTS OF FINANCIAL POSITION31 DESEMBER 2016 DAN 2015 DECEMBER 31, 2016 AND 2015

Catatan/2016 Notes 2015

Rp Juta/ Rp Juta/Rp Million Rp Million

ASET ASSETS

KAS 144.975 5 108.955 CASH

GIRO PADA BANK INDONESIA 761.639 6 812.623 DEMAND DEPOSITS WITH BANK INDONESIA

DEMAND DEPOSITS WITH OTHER BANKS -GIRO PADA BANK LAIN - PIHAK KETIGA 292.470 7 1.266.474 THIRD PARTIES

PENEMPATAN PADA BANK INDONESIA PLACEMENTS WITH BANK INDONESIADAN BANK LAIN - PIHAK KETIGA 1.984.523 8 1.335.254 AND OTHER BANKS - THIRD PARTIES

EFEK-EFEK - PIHAK KETIGA 1.375.817 9 1.173.954 SECURITIES - THIRD PARTIES

TAGIHAN DERIVATIF - PIHAK KETIGA 4.842 10 8.241 DERIVATIVE RECEIVABLES - THIRD PARTIES

KREDIT 11 LOANSPihak berelasi 102.129 37 57.349 Related partiesPihak ketiga 7.892.187 7.027.878 Third partiesCadangan kerugian penurunan nilai (52.521) (37.962) Allowance for impairment lossesJumlah 7.941.795 7.047.265 Total

TAGIHAN AKSEPTASI - PIHAK KETIGA 89.276 12 21.234 ACCEPTANCES RECEIVABLE - THIRD PARTIES

BIAYA DIBAYAR DIMUKA 98.432 13 44.963 PREPAID EXPENSES

ASET TIDAK LANCAR YANG DIMILIKI UNTUK NON-CURRENT ASSETS HELD FORDIJUAL 2.407 14 - SALE

ASET TETAP - BERSIH 54.151 15 50.041 PREMISES AND EQUIPMENT - NET

ASET PAJAK TANGGUHAN - BERSIH 59.075 34 63.028 DEFERRED TAX ASSETS - NET

ASET TAK BERWUJUD - BERSIH 19.327 16 10.933 INTANGIBLE ASSETS - NET

ASET LAIN-LAIN - BERSIH 228.820 17 194.039 OTHER ASSETS - NET

JUMLAH ASET 13.057.549 12.137.004 TOTAL ASSETS

Lihat catatan atas laporan keuangan yang merupakan See accompanying notes to financial statementsbagian yang tidak terpisahkan dari laporan keuangan. which are an integral part of the financial statements.

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PT BANK MNC INTERNASIONAL TBK PT BANK MNC INTERNASIONAL TBKLAPORAN POSISI KEUANGAN STATEMENTS OF FINANCIAL POSITION31 DESEMBER 2016 DAN 2015 DECEMBER 31, 2016 AND 2015

Catatan/2016 Notes 2015

Rp Juta/ Rp Juta/Rp Million Rp Million

ASET ASSETS

KAS 144.975 5 108.955 CASH

GIRO PADA BANK INDONESIA 761.639 6 812.623 DEMAND DEPOSITS WITH BANK INDONESIA

DEMAND DEPOSITS WITH OTHER BANKS -GIRO PADA BANK LAIN - PIHAK KETIGA 292.470 7 1.266.474 THIRD PARTIES

PENEMPATAN PADA BANK INDONESIA PLACEMENTS WITH BANK INDONESIADAN BANK LAIN - PIHAK KETIGA 1.984.523 8 1.335.254 AND OTHER BANKS - THIRD PARTIES

EFEK-EFEK - PIHAK KETIGA 1.375.817 9 1.173.954 SECURITIES - THIRD PARTIES

TAGIHAN DERIVATIF - PIHAK KETIGA 4.842 10 8.241 DERIVATIVE RECEIVABLES - THIRD PARTIES

KREDIT 11 LOANSPihak berelasi 102.129 37 57.349 Related partiesPihak ketiga 7.892.187 7.027.878 Third partiesCadangan kerugian penurunan nilai (52.521) (37.962) Allowance for impairment lossesJumlah 7.941.795 7.047.265 Total

TAGIHAN AKSEPTASI - PIHAK KETIGA 89.276 12 21.234 ACCEPTANCES RECEIVABLE - THIRD PARTIES

BIAYA DIBAYAR DIMUKA 98.432 13 44.963 PREPAID EXPENSES

ASET TIDAK LANCAR YANG DIMILIKI UNTUK NON-CURRENT ASSETS HELD FORDIJUAL 2.407 14 - SALE

ASET TETAP - BERSIH 54.151 15 50.041 PREMISES AND EQUIPMENT - NET

ASET PAJAK TANGGUHAN - BERSIH 59.075 34 63.028 DEFERRED TAX ASSETS - NET

ASET TAK BERWUJUD - BERSIH 19.327 16 10.933 INTANGIBLE ASSETS - NET

ASET LAIN-LAIN - BERSIH 228.820 17 194.039 OTHER ASSETS - NET

JUMLAH ASET 13.057.549 12.137.004 TOTAL ASSETS

Lihat catatan atas laporan keuangan yang merupakan See accompanying notes to financial statementsbagian yang tidak terpisahkan dari laporan keuangan. which are an integral part of the financial statements.

- 1 -

PT BANK MNC INTERNASIONAL TBK PT BANK MNC INTERNASIONAL TBKLAPORAN POSISI KEUANGAN STATEMENTS OF FINANCIAL POSITION31 DESEMBER 2016 DAN 2015 (Lanjutan) DECEMBER 31, 2016 AND 2015 (Continued)

Catatan/2016 Notes 2015

Rp Juta/ Rp Juta/Rp Million Rp Million

LIABILITAS DAN EKUITAS LIABILITIES AND EQUITY

LIABILITAS LIABILITIES

LIABILITAS SEGERA 32.018 14.122 LIABILITIES PAYABLE IMMEDIATELY

SIMPANAN 18 DEPOSITSPihak berelasi 829.042 37 948.884 Related partiesPihak ketiga 9.510.365 8.817.643 Third partiesJumlah 10.339.407 9.766.527 Total

SIMPANAN DARI BANK LAIN - DEPOSITS FROM OTHER BANKS - PIHAK KETIGA 507.316 19 500.705 THIRD PARTIES

LIABILITAS DERIVATIF - PIHAK KETIGA 3.576 10 3.714 DERIVATIVE PAYABLES - THIRD PARTIES

LIABILITAS AKSEPTASI - PIHAK KETIGA 89.276 12 21.234 ACCEPTANCES PAYABLE - THIRD PARTIES

EFEK YANG DIJUAL DENGAN JANJI DIBELI 89.941 20 - SECURITIES SOLD WITH AGREEMENTS TO KEMBALI - PIHAK KETIGA REPURCHASE - THIRD PARTIES

UTANG PAJAK 12.727 21 13.760 TAXES PAYABLE

LIABILITAS IMBALAN PASCA KERJA 47.997 36 37.331 EMPLOYEE BENEFITS OBLIGATION

BEBAN YANG MASIH HARUS DIBAYAR 64.365 22 62.865 ACCRUALS

LIABILITAS LAIN-LAIN 10.521 23 8.542 OTHER LIABILITIES

JUMLAH LIABILITAS 11.197.144 10.428.800 TOTAL LIABILITIES

EKUITAS EQUITY

MODAL SAHAM - nilai nominal Rp 100 per saham CAPITAL STOCK - par value of Rp 100 per share Modal dasar - 60.000.000.000 saham Authorized - 60,000,000,000 sharesModal ditempatkan dan disetor penuh - Subscribed and paid-up - shares

20.581.465.247 saham pada tahun 2016 dan 20,581,465,247 shares in 2016 and 19.129.563.072 saham pada tahun 2015 2.058.147 24 1.912.957 19,129,563,072 shares in 2015

TAMBAHAN MODAL DISETOR - BERSIH 720 25 3.555 ADDITIONAL PAID-IN CAPITAL - NET

PENGHASILAN (RUGI) KOMPREHENSIF LAIN (6.720) 26 (7.217) OTHER COMPREHENSIVE INCOME (LOSS)

SALDO LABA (DEFISIT) RETAINED EARNINGS (DEFICIT)Ditentukan penggunaannya 17.940 17.940 AppropriatedTidak ditentukan penggunaannya (209.682) (219.031) UnappropriatedJumlah (191.742) (201.091) Total

JUMLAH EKUITAS 1.860.405 1.708.204 TOTAL EQUITY

JUMLAH LIABILITAS DAN EKUITAS 13.057.549 12.137.004 TOTAL LIABILITIES AND EQUITY

Lihat catatan atas laporan keuangan yang merupakan See accompanying notes to financial statementsbagian yang tidak terpisahkan dari laporan keuangan. which are an integral part of the financial statements.

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PT BANK MNC INTERNASIONAL TBK PT BANK MNC INTERNASIONAL TBKLAPORAN LABA RUGI DAN PENGHASILAN KOMPREHENSIF LAIN STATEMENTS OF PROFIT OR LOSS ANDUNTUK TAHUN-TAHUN YANG BERAKHIR OTHER COMPREHENSIVE INCOME31 DESEMBER 2016 DAN 2015 FOR THE YEARS ENDED DECEMBER 31, 2016 AND 2015

Catatan/2016 Notes 2015

Rp Juta/ Rp Juta/Rp Million Rp Million

PENDAPATAN DAN BEBAN OPERASIONAL OPERATING REVENUES AND EXPENSESPendapatan Bunga Interest Revenues

Bunga yang diperoleh 1.040.498 27 935.351 Interest earnedProvisi dan komisi kredit 20.053 15.170 Loan commissions and fees

Jumlah Pendapatan Bunga 1.060.551 950.521 Total Interest Revenues

Beban Bunga Interest ExpensesBunga 673.671 28 645.832 Interest expenseProvisi dan komisi yang dibayar 20.026 41 17.582 Commissions and fees paid

Jumlah Beban Bunga 693.697 663.414 Total Interest Expenses

Pendapatan Bunga - Bersih 366.854 287.107 Interest Revenues - Net

Pendapatan Operasional Lainnya Other Operating RevenuesPendapatan transaksi valuta asing - bersih 22.939 13.039 Gain on foreign exchange transactions - netKeuntungan bersih penjualan efek 8.904 9 2.826 Net gain on sale of securities

Commissions and fees from transactions Provisi dan komisi selain kredit - bersih 19.185 29 16.278 other than loans - netPenerimaan kembali kredit yang dihapus buku 32.465 11 8.940 Recovery of loans previously written-offKeuntungan (kerugian) yang belum direalisasi Unrealized gain (loss) from trading

dari efek yang diperdagangkan 2.322 9 (2.520) securitiesLainnya 39.600 30 33.591 Others

Jumlah Pendapatan Operasional Lainnya 125.415 72.154 Total Other Operating Revenues

Provision for (Reversal of Provision) for Beban (Pemulihan) Kerugian Penurunan Nilai 31 Impairment Losses

Aset keuangan 39.880 5.061 Financial assetsAset non-keuangan (10.001) (540) Non-financial assets

Jumlah Beban Kerugian Penurunan Nilai 29.879 4.521 Total Provision for Impairment Losses

Beban Operasional Lainnya Other Operating ExpensesUmum dan administrasi 179.549 32 150.937 General and administrative Tenaga kerja 194.298 33 165.588 PersonnelBeban pensiun dan imbalan pasca kerja 14.612 36 11.009 Pension and employee benefitsLainnya 21.173 16.259 Others

Jumlah Beban Operasional Lainnya 409.632 343.793 Total Other Operating Expenses

Beban Operasional Lainnya - Bersih (314.096) (276.160) Other Operating Expenses - Net

LABA OPERASIONAL 52.758 10.947 INCOME FROM OPERATIONS

Lihat catatan atas laporan keuangan yang merupakan See accompanying notes to financial statementsbagian yang tidak terpisahkan dari laporan keuangan. which are an integral part of the financial statements.

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PT BANK MNC INTERNASIONAL TBK PT BANK MNC INTERNASIONAL TBKLAPORAN LABA RUGI DAN PENGHASILAN KOMPREHENSIF LAIN STATEMENTS OF PROFIT OR LOSS ANDUNTUK TAHUN-TAHUN YANG BERAKHIR OTHER COMPREHENSIVE INCOME31 DESEMBER 2016 DAN 2015 FOR THE YEARS ENDED DECEMBER 31, 2016 AND 2015

Catatan/2016 Notes 2015

Rp Juta/ Rp Juta/Rp Million Rp Million

PENDAPATAN DAN BEBAN OPERASIONAL OPERATING REVENUES AND EXPENSESPendapatan Bunga Interest Revenues

Bunga yang diperoleh 1.040.498 27 935.351 Interest earnedProvisi dan komisi kredit 20.053 15.170 Loan commissions and fees

Jumlah Pendapatan Bunga 1.060.551 950.521 Total Interest Revenues

Beban Bunga Interest ExpensesBunga 673.671 28 645.832 Interest expenseProvisi dan komisi yang dibayar 20.026 41 17.582 Commissions and fees paid

Jumlah Beban Bunga 693.697 663.414 Total Interest Expenses

Pendapatan Bunga - Bersih 366.854 287.107 Interest Revenues - Net

Pendapatan Operasional Lainnya Other Operating RevenuesPendapatan transaksi valuta asing - bersih 22.939 13.039 Gain on foreign exchange transactions - netKeuntungan bersih penjualan efek 8.904 9 2.826 Net gain on sale of securities

Commissions and fees from transactions Provisi dan komisi selain kredit - bersih 19.185 29 16.278 other than loans - netPenerimaan kembali kredit yang dihapus buku 32.465 11 8.940 Recovery of loans previously written-offKeuntungan (kerugian) yang belum direalisasi Unrealized gain (loss) from trading

dari efek yang diperdagangkan 2.322 9 (2.520) securitiesLainnya 39.600 30 33.591 Others

Jumlah Pendapatan Operasional Lainnya 125.415 72.154 Total Other Operating Revenues

Provision for (Reversal of Provision) for Beban (Pemulihan) Kerugian Penurunan Nilai 31 Impairment Losses

Aset keuangan 39.880 5.061 Financial assetsAset non-keuangan (10.001) (540) Non-financial assets

Jumlah Beban Kerugian Penurunan Nilai 29.879 4.521 Total Provision for Impairment Losses

Beban Operasional Lainnya Other Operating ExpensesUmum dan administrasi 179.549 32 150.937 General and administrative Tenaga kerja 194.298 33 165.588 PersonnelBeban pensiun dan imbalan pasca kerja 14.612 36 11.009 Pension and employee benefitsLainnya 21.173 16.259 Others

Jumlah Beban Operasional Lainnya 409.632 343.793 Total Other Operating Expenses

Beban Operasional Lainnya - Bersih (314.096) (276.160) Other Operating Expenses - Net

LABA OPERASIONAL 52.758 10.947 INCOME FROM OPERATIONS

Lihat catatan atas laporan keuangan yang merupakan See accompanying notes to financial statementsbagian yang tidak terpisahkan dari laporan keuangan. which are an integral part of the financial statements.

- 3 -

PT BANK MNC INTERNASIONAL TBK PT BANK MNC INTERNASIONAL TBKLAPORAN LABA RUGI DAN PENGHASILAN KOMPREHENSIF LAIN STATEMENTS OF PROFIT OR LOSS ANDUNTUK TAHUN-TAHUN YANG BERAKHIR OTHER COMPREHENSIVE INCOME31 DESEMBER 2016 DAN 2015 (Lanjutan) FOR THE YEARS ENDED DECEMBER 31, 2016 AND 2015 (Continued)

Catatan/2015 Notes 2015

Rp Juta/ Rp Juta/Rp Million Rp Million

PENDAPATAN (BEBAN) NON OPERASIONAL NON-OPERATING REVENUES (EXPENSES)Hasil sewa 335 17 404 Rental revenuesKeuntungan penjualan dan penghapusan Gain on sale and write-off of premises and

aset tetap dan aset tak berwujud 307 15 15 equipment and intangible assetsRugi penjualan agunan yang diambil alih (39.941) (499) Loss on sale of foreclosed propertiesLainnya - bersih (324) 321 Others - net

PENDAPATAN (BEBAN) NON OPERASIONAL - NON-OPERATING REVENUES (EXPENSES) - BERSIH (39.623) 241 NET

LABA SEBELUM BEBAN PAJAK 13.135 11.188 INCOME BEFORE TAX EXPENSE

BEBAN PAJAK (3.786) 34 (3.010) TAX EXPENSE

LABA BERSIH TAHUN BERJALAN 9.349 8.178 NET INCOME FOR THE YEAR

PENGHASILAN KOMPREHENSIF LAIN 26 OTHER COMPREHENSIVE INCOMEItem that will not be reclassified

Pos yang tidak akan direklasifikasi ke laba rugi subsequently to profit or lossPengukuran kembali atas kewajiban imbalan Remeasurement of defined benefits

pasti (4.581) 36 5.940 obligationPajak penghasilan terkait pos yang tidak akan Income tax relating to item that will not be

direklasifikasi ke laba rugi 1.145 34 (1.485) reclassified subsequently to profit or lossSub jumlah (3.436) 4.455 Sub total

Item that will be reclassified subsequentlyPos yang akan direklasifikasi ke laba rugi to profit or loss

Perubahan nilai wajar efek tersedia untuk Changes in fair value of available for sale dijual 5.245 9 73.916 (AFS) securities

Pajak penghasilan terkait pos yang akan Income tax relating to item that will bedireklasifikasi ke laba rugi (1.312) 34 (18.479) reclassified subsequently to profit or loss

Sub jumlah 3.933 55.437 Sub total

Jumlah penghasilan komprehensif lain tahun berjalan Total other comprehensive income for setelah pajak 497 59.892 the current year net of tax

JUMLAH LABA KOMPREHENSIF 9.846 68.070 TOTAL COMPREHENSIVE INCOME

LABA PER SAHAM 35 EARNINGS PER SHARE (dalam Rupiah penuh) (in full Rupiah amount)Dasar 0,51 0,61 BasicDilusian 0,47 0,57 Diluted

Lihat catatan atas laporan keuangan yang merupakan See accompanying notes to financial statementsbagian yang tidak terpisahkan dari laporan keuangan. which are an integral part of the financial statements.

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PT BANK MNC INTERNASIONAL TBK PT BANK MNC INTERNASIONAL TBKLAPORAN ARUS KAS STATEMENTS OF CASH FLOWSUNTUK TAHUN-TAHUN YANG BERAKHIR FOR THE YEARS ENDED 31 DESEMBER 2016 DAN 2015 DECEMBER 31, 2016 AND 2015

Catatan/2016 Notes 2015

Rp Juta/ Rp Juta/Rp Million Rp Million

ARUS KAS DARI AKTIVITAS OPERASI CASH FLOWS FROM OPERATING ACTIVITIESBunga, provisi dan komisi kredit yang diterima 1.053.354 931.830 Interest, loan commissions and fees receivedBunga, provisi dan komisi yang dibayar (700.503) (652.103) Interest, commissions and fees paidPenerimaan pendapatan operasional lainnya 123.055 74.674 Other operating revenues receivedPembayaran gaji dan tunjangan karyawan (195.300) (179.066) Salaries and employee benefits paidPembayaran beban operasional lainnya (183.297) (151.677) Other operating expenses paidPenerimaan pendapatan non operasional 435 339 Non-operating revenues receivedPembayaran beban non operasional (424) (751) Non-operating expenses paid

Arus kas operasi sebelum perubahan dalam aset Operating cash flows before changes in operating dan liabilitas operasi 97.320 23.246 assets and liabilities

Penurunan (kenaikan) aset operasi Decrease (increase) in operating assetsPenempatan pada Bank Indonesia dan bank lain (28.951) (116.973) Placements with Bank Indonesia and other banksEfek-efek 180.963 (205.264) SecuritiesKredit (934.372) (925.673) LoansTagihan derivatif 3.399 (7.550) Derivative receivablesTagihan akseptasi (68.042) 72.728 Acceptances receivableAset lain-lain (105.893) (21.822) Other assets

Kenaikan (penurunan) liabilitas operasi Increase (decrease) in operating liabilitiesLiabilitas segera 17.891 3.162 Liabilities payable immediatelySimpanan 572.880 2.032.093 DepositsSimpanan dari bank lain 6.611 264.757 Deposits from other banksLiabilitas derivatif (138) 3.602 Derivative payablesLiabilitas akseptasi 68.042 (72.728) Acceptances payableEfek yang dijual dengan janji dibeli kembali 89.941 - Securities sold with agreements to repurchaseLiabilitas lain-lain 1.025 (2.167) Other liabilities

Kas Bersih Diperoleh (Digunakan untuk) dari Aktivitas Operasi (99.324) 1.047.411 Net Cash Provided by (Used in) Operating Activities

ARUS KAS DARI AKTIVITAS INVESTASI CASH FLOWS FROM INVESTING ACTIVITIESHasil penjualan aset tetap 328 15 617 Proceeds from sale of premises and equipmentPerolehan aset tetap (19.450) 15 (41.385) Acquisitions of premises and equipment Perolehan aset tak berwujud (12.546) 16 (4.766) Acquisitions of intangible assetsPenerimaan efek dimiliki hingga jatuh tempo - 5.000 Proceeds from settlement of HTMPerolehan efek tersedia untuk dijual (1.496.864) (502.276) Purchase of available-for-sale securitiesPenjualan efek tersedia untuk dijual 1.116.851 65.380 Proceeds from available-for-sale securities

Kas Bersih Digunakan untuk Aktivitas Investasi (411.681) (477.430) Net Cash Used In Investing Activities

ARUS KAS DARI AKTIVITAS PENDANAAN CASH FLOWS FROM FINANCING ACTIVITIESPenambahan modal saham 145.190 24 409.724 Issuance of capital stockBiaya emisi saham (2.835) 25 (2.805) Share issuance cost

Kas Bersih Diperoleh dari Aktivitas Pendanaan 142.355 406.919 Net Cash Provided by Financing Activities

KENAIKAN (PENURUNAN) BERSIH KAS NET INCREASE (DECREASE) IN CASH DAN SETARA KAS (368.650) 976.900 AND CASH EQUIVALENTS

CASH AND CASH EQUIVALENTS AT KAS DAN SETARA KAS AWAL TAHUN 3.406.333 2.429.433 BEGINNING OF YEAR

CASH AND CASH EQUIVALENTS AT END KAS DAN SETARA KAS AKHIR TAHUN 3.037.683 3.406.333 OF YEAR

PENGUNGKAPAN TAMBAHAN SUPPLEMENTAL DISCLOSURESKas dan setara kas terdiri dari: Cash and cash equivalents consist of:

Kas 144.975 5 108.955 CashGiro pada Bank Indonesia 761.639 6 812.623 Demand deposits with Bank IndonesiaGiro pada bank lain 292.470 7 1.266.474 Demand deposits with other banksPenempatan pada Bank Indonesia dan Placements with Bank Indonesia and

bank lain 1.838.599 8 1.218.281 other banks

Jumlah 3.037.683 3.406.333 Total

Lihat catatan atas laporan keuangan yang merupakan See accompanying notes to financial statementsbagian yang tidak terpisahkan dari laporan keuangan. which are an integral part of the financial statements.

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED

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1. UMUM

1. GENERAL

a. Pendirian dan Informasi Umum

PT Bank MNC Internasional Tbk (selanjutnya disebut "Bank") didirikan di Indonesia dengan nama PT Bank Bumiputera Indonesia berdasarkan akta No 49 tanggal 31 Juli 1989 dari notaris Sri Rahayu, SH. Akta pendirian ini disahkan oleh Menteri Kehakiman dalam Surat Keputusan No. C-2..7223.HT.01.01.TH.89 tanggal 9 Agustus 1989 serta diumumkan dalam tambahan No. 1917 dari Berita Negara Republik Indonesia No. 75 tanggal 19 September 1989. Nama Bank telah mengalami beberapa kali perubahan, yang terakhir menjadi PT Bank MNC Internasional Tbk, berdasarkan akta No. 57 tanggal 16 Juli 2014 yang telah mendapat Persetujuan Menteri Hukum dan Hak Asasi Manusia Republik Indonesia, berdasarkan Surat Keputusan No. AHU-06038.40.20.2014 tanggal 24 Juli 2014. Anggaran Dasar Bank telah mengalami beberapa kali perubahan, yang terakhir dengan akta No. 9 tanggal 3 November 2016 dari Aryanti Artisari, S.H., MKn, notaris di Jakarta, mengenai penambahan modal disetor dan ditempatkan melalui mekanisme hak memesan efek terlebih dahulu (“HMETD”) sebanyak-banyaknya 5.311.299.590 lembar saham dengan nilai nominal sebesar Rp 100. Akta perubahan ini telah memperoleh persetujuan dari Menteri Hukum dan Hak Asasi Manusia Republik Indonesia dengan Surat Keputusan No. AHU-AH.01.03-0097627 tanggal 10 November 2016.

a. Establishment and General Information

PT Bank MNC Internasional Tbk (the “Bank”) was established in Indonesia under the name PT Bank Bumiputera Indonesia based on notarial Deed No. 49 dated July 31, 1989 of notary Sri Rahayu, SH. The Deed of Establishment was approved by the Minister of Justice in his Decision Letter No. C-2.7223.HT.01.01.TH.89 dated August 9, 1989 and was published in Supplement No. 1917 of the State Gazette of the Republic of Indonesia No. 75 dated September 19, 1989. The Bank’s name has been changed several times, most recently to PT Bank MNC Internasional Tbk, based on the Deed of Minutes of the General Shareholder Meeting No. 57 dated July 16, 2014. This change was approved by the Minister of Law and Human Rights of the Republic of Indonesia in his Decision Letter No. AHU-06038.40.20.2014 dated July 24, 2014. The Bank’s Articles of Association have been amended several times, most recently by Deed No. 9 dated November 3, 2016 of Aryanti Artisari, S.H., MKn, notary in Jakarta, concerning the increase in the Bank’s subscribed and paid up capital through Rights Issue (“HMETD”) of 5,311,299,590 shares with nominal price of Rp 100. This change was approved by the Minister of Law and Human Rights of the Republic of Indonesia in his Decision Letter No. AHU-AH01.03-0097627 dated November 10, 2016.

Bank berkedudukan di Jakarta dan memiliki 16 kantor cabang. Kantor pusat Bank beralamat di Gedung MNC Financial Center Lantai 6, 7 & 8, Jl. Kebon Sirih Raya No. 27, Jakarta 12930, Indonesia. Jumlah rata-rata karyawan Bank masing-masing 1.032 dan 902 karyawan pada tahun 2016 dan 2015 (tidak diaudit).

The Bank is domiciled in Jakarta and has 16 main branch offices. The Bank’s head office is located at Gedung MNC Financial Center levels 6, 7 & 8, Jl. Kebon Sirih Raya No. 27, Jakarta 12930, Indonesia. The Bank had average total number of employees in 2016 and 2015 of 1,032 and 902, respectively (unaudited).

Sesuai dengan pasal 3 anggaran dasar Bank, ruang lingkup kegiatan Bank adalah menjalankan usaha di bidang perbankan sesuai dengan undang-undang dan peraturan perundang-undangan yang berlaku.

In accordance with article 3 of the Bank’s Articles of Association, the scope of its activities is to engage in the banking industry in accordance with the prevailing laws and regulations.

Bank mulai beroperasi secara komersial pada tanggal 12 Januari 1990, sesuai dengan izin usaha yang diberikan oleh Menteri Keuangan Republik Indonesia dalam Surat Keputusan No. 10/KMK.013/1990 tanggal 4 Januari 1990. Sesuai dengan Surat Keputusan Bank Indonesia No. 30/146/KEP/DIR tanggal 5 Desember 1997, Bank telah mendapat persetujuan menjadi bank devisa.

The Bank started its commercial operations on January 12, 1990 when it obtained its business license based on the Decision Letter No. 10/KMK.013/1990 dated January 4, 1990 from the Minister of Finance of the Republic of Indonesia. In accordance with Bank Indonesia’s Decision Letter No. 30/146/KEP/DIR dated December 5, 1997, the Bank is authorized to be a foreign exchange bank.

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED

- 7 -

1. UMUM

1. GENERAL

a. Pendirian dan Informasi Umum

PT Bank MNC Internasional Tbk (selanjutnya disebut "Bank") didirikan di Indonesia dengan nama PT Bank Bumiputera Indonesia berdasarkan akta No 49 tanggal 31 Juli 1989 dari notaris Sri Rahayu, SH. Akta pendirian ini disahkan oleh Menteri Kehakiman dalam Surat Keputusan No. C-2..7223.HT.01.01.TH.89 tanggal 9 Agustus 1989 serta diumumkan dalam tambahan No. 1917 dari Berita Negara Republik Indonesia No. 75 tanggal 19 September 1989. Nama Bank telah mengalami beberapa kali perubahan, yang terakhir menjadi PT Bank MNC Internasional Tbk, berdasarkan akta No. 57 tanggal 16 Juli 2014 yang telah mendapat Persetujuan Menteri Hukum dan Hak Asasi Manusia Republik Indonesia, berdasarkan Surat Keputusan No. AHU-06038.40.20.2014 tanggal 24 Juli 2014. Anggaran Dasar Bank telah mengalami beberapa kali perubahan, yang terakhir dengan akta No. 9 tanggal 3 November 2016 dari Aryanti Artisari, S.H., MKn, notaris di Jakarta, mengenai penambahan modal disetor dan ditempatkan melalui mekanisme hak memesan efek terlebih dahulu (“HMETD”) sebanyak-banyaknya 5.311.299.590 lembar saham dengan nilai nominal sebesar Rp 100. Akta perubahan ini telah memperoleh persetujuan dari Menteri Hukum dan Hak Asasi Manusia Republik Indonesia dengan Surat Keputusan No. AHU-AH.01.03-0097627 tanggal 10 November 2016.

a. Establishment and General Information

PT Bank MNC Internasional Tbk (the “Bank”) was established in Indonesia under the name PT Bank Bumiputera Indonesia based on notarial Deed No. 49 dated July 31, 1989 of notary Sri Rahayu, SH. The Deed of Establishment was approved by the Minister of Justice in his Decision Letter No. C-2.7223.HT.01.01.TH.89 dated August 9, 1989 and was published in Supplement No. 1917 of the State Gazette of the Republic of Indonesia No. 75 dated September 19, 1989. The Bank’s name has been changed several times, most recently to PT Bank MNC Internasional Tbk, based on the Deed of Minutes of the General Shareholder Meeting No. 57 dated July 16, 2014. This change was approved by the Minister of Law and Human Rights of the Republic of Indonesia in his Decision Letter No. AHU-06038.40.20.2014 dated July 24, 2014. The Bank’s Articles of Association have been amended several times, most recently by Deed No. 9 dated November 3, 2016 of Aryanti Artisari, S.H., MKn, notary in Jakarta, concerning the increase in the Bank’s subscribed and paid up capital through Rights Issue (“HMETD”) of 5,311,299,590 shares with nominal price of Rp 100. This change was approved by the Minister of Law and Human Rights of the Republic of Indonesia in his Decision Letter No. AHU-AH01.03-0097627 dated November 10, 2016.

Bank berkedudukan di Jakarta dan memiliki 16 kantor cabang. Kantor pusat Bank beralamat di Gedung MNC Financial Center Lantai 6, 7 & 8, Jl. Kebon Sirih Raya No. 27, Jakarta 12930, Indonesia. Jumlah rata-rata karyawan Bank masing-masing 1.032 dan 902 karyawan pada tahun 2016 dan 2015 (tidak diaudit).

The Bank is domiciled in Jakarta and has 16 main branch offices. The Bank’s head office is located at Gedung MNC Financial Center levels 6, 7 & 8, Jl. Kebon Sirih Raya No. 27, Jakarta 12930, Indonesia. The Bank had average total number of employees in 2016 and 2015 of 1,032 and 902, respectively (unaudited).

Sesuai dengan pasal 3 anggaran dasar Bank, ruang lingkup kegiatan Bank adalah menjalankan usaha di bidang perbankan sesuai dengan undang-undang dan peraturan perundang-undangan yang berlaku.

In accordance with article 3 of the Bank’s Articles of Association, the scope of its activities is to engage in the banking industry in accordance with the prevailing laws and regulations.

Bank mulai beroperasi secara komersial pada tanggal 12 Januari 1990, sesuai dengan izin usaha yang diberikan oleh Menteri Keuangan Republik Indonesia dalam Surat Keputusan No. 10/KMK.013/1990 tanggal 4 Januari 1990. Sesuai dengan Surat Keputusan Bank Indonesia No. 30/146/KEP/DIR tanggal 5 Desember 1997, Bank telah mendapat persetujuan menjadi bank devisa.

The Bank started its commercial operations on January 12, 1990 when it obtained its business license based on the Decision Letter No. 10/KMK.013/1990 dated January 4, 1990 from the Minister of Finance of the Republic of Indonesia. In accordance with Bank Indonesia’s Decision Letter No. 30/146/KEP/DIR dated December 5, 1997, the Bank is authorized to be a foreign exchange bank.

PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 8 -

Bank tergabung dalam kelompok usaha MNC Group dengan entitas induk terakhir adalah PT MNC Investama Tbk.

The Bank is part of MNC Group whose ultimate parent is PT MNC Investama Tbk.

Susunan pengurus dan Komite Audit Bank pada tanggal 31 Desember 2016 dan 2015 adalah sebagai berikut:

As of December 31, 2016 and 2015, the Bank’s management and Audit Committee consist of the following:

2016 2015

Dewan Komisaris Board of Commissioners

Presiden Komisaris (Independen) Eko B. Supriy anto Bambang Ratmanto President Commissioner (Independent)

Komisaris Purnadi Harjono Purnadi Harjono Commissioner

Komisaris Independen Rusli Witjahjono Eko B. Supriy anto Independent Commissioner

Dewan Direksi Board of Directors

Presiden Direktur Benny Purnomo Benny Purnomo President Director

Direktur Keuangan Benny Helman Benny Helman Finance Director

Direktur Sumber Day a Manusia Nerf ita Primasari Nerf ita Primasari Human Resources Director

Direktur Kepatuhan Chisca Mirawati Nerf ita Primasari *) Compliance Director

Direktur Operasional Widiatama Bunarto Widiatama Bunarto Operational Director

Komite Audit Audit Committee

Ketua Rusli Witjahjono Bambang Ratmanto Chairman

Anggota Eko B. Supriy anto Eko B. Supriy anto MembersDwi Sasongko Soenarso Soemodiwirjo

H. Eddy Yantho Sof wan Dwi Sasongko

Komite Pemantau Risiko Risk Monitoring Committee

Ketua Eko B. Supriy anto Bambang Ratmanto Chairman

Anggota Purnadi Harjono Purnadi Harjono MembersRusli Witjahjono Arif in S. Haris

Arif in S. Haris Muhammad Sumarsono

Muhammad Sumarsono

Komite Remunerasi dan Remuneration and Nomination

Nominasi Committee

Ketua Eko B. Supriy anto Eko B. Supriy anto Chairman

Anggota Purnadi Harjono Purnadi Harjono Members

Laily Fitri Laily Fitri

Kepala Audit Internal Edi Alpian Edi Alpian Internal Audit Head

Sekretaris Perusahaan Andri Latif Andri Latif Corporate Secretary

*) Merangkap sebagai Plt. Direktur Kepatuhan

sejak tanggal 29 Desember 2015. *) Acting Compliance Director since

December 29, 2015. Pembentukan Komite Audit telah sesuai dengan POJK No. 55/POJK.04/2015 tanggal 29 Desember 2015 tentang “Pembentukan dan Pedoman Pelaksanaan Kerja Komite Audit”.

The establishment of the Audit Committee was based on POJK No. 55/POJK.04/2015 dated December 29, 2015 “The Establishment and the Implementation Guidelines of Audit Committee”.

b. Penawaran Umum Efek Bank b. Public Offering of Shares and Bonds of the

Bank Penawaran Umum Perdana Saham Initial Public Offering of Shares Pada tanggal 27 Juni 2002, Bank memperoleh pernyataan efektif dari Ketua BAPEPAM dengan surat No. S-1402/PM/2002 untuk melakukan penawaran umum saham atas 500.000.000 saham Bank kepada masyarakat. Nilai nominal per saham adalah sebesar Rp 100 dan harga penawaran adalah sebesar Rp 120 per saham. Pada tanggal 15 Juli 2002, saham Bank telah dicatatkan pada Bursa Efek Indonesia.

On June 27, 2002, the Bank obtained the notice of effectivity from the Chairman of BAPEPAM in his letter No. S-1402/PM/2002 for the Bank’s public offering of 500,000,000 shares. The par value was Rp 100 per share and offering price was Rp 120 per share. On July 15, 2002, the Bank’s shares were listed in the Indonesia Stock Exchange.

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Penawaran Umum Saham Terbatas I Limited Public Offering of Shares I Pada tanggal 23 November 2005, Bank memperoleh pernyataan efektif dari Ketua BAPEPAM dengan surat No. S-3278/PM/2005 untuk melakukan Penawaran Umum Terbatas I atas 3.000.000.000 saham Bank dengan harga penawaran sama dengan nilai nominal sebesar Rp 100 per saham, disertai dengan penerbitan 666.666.654 Waran Seri I yang memberikan hak pemegang saham untuk membeli saham baru dengan harga pelaksanaan Rp 120 per saham. Pembelian dapat dilakukan selama masa pelaksanaan yaitu mulai tanggal 30 Juni 2006 sampai dengan 29 Desember 2010. Saham-saham tersebut telah dicatatkan pada Bursa Efek Indonesia pada tanggal 2 Januari 2006.

On November 23, 2005, the Bank obtained the notice of effectivity from the Chairman of BAPEPAM in his letter No. S-3278/PM/2005 for the Bank’s limited Public Offering of shares I of 3,000,000,000 shares at an offering price that is equal to the par value of Rp 100 per share, together with 666,666,654 Series I Warrants that entitles the holder to buy new shares at an exercise price of Rp 120 per share. The holders can exercise the right to purchase the share from June 30, 2006 until December 29, 2010. These shares were listed in the Indonesia Stock Exchange on January 2, 2006.

Penawaran Umum Saham Terbatas II Limited Public Offering of Shares II Pada tanggal 22 Juni 2010, Bank memperoleh penyertaan efektif dari Ketua BAPEPAM-LK melalui surat No. S-5539/BL/2010 untuk melakukan Penawaran Umum Terbatas II (“PUT II”) kepada para pemegang saham perseroan dalam rangka penerbitan hak memesan efek terlebih dahulu (“HMETD”) dengan penerbitan obligasi wajib konversi yang diberi nama obligasi wajib konversi Bank ICB Bumiputera tahun 2010 (“OWK”) dengan jumlah pokok sebesar Rp 150.000 juta.

On June 22, 2010, the Bank obtained a notice of effectivity from the Chairman of BAPEPAM-LK in his letter No. S-5539/BL/2010 for the Bank’s Limited Public Offering II (“PUT II”) to its shareholders in relation to Rights Issue (“HMETD”) with mandatory convertible bonds, namely Mandatory Convertible Bonds of Bank ICB Bumiputera 2010 (“OWK”), with a principal amount of Rp 150,000 million.

Setiap pemegang 10 (sepuluh) saham Bank yang namanya tercatat dalam Daftar Pemegang Saham Bank pada tanggal 2 Juli 2010 pukul 16.00 WIB berhak atas 3 (tiga) HMETD dimana setiap 1 (satu) HMETD berhak untuk membeli 1 (satu) satuan OWK, dengan harga penawaran sebesar Rp 100 setiap 1 (satu) satuan OWK yang harus dibayar penuh pada saat mengajukan pemesanan OWK.

For every 10 (ten) Bank shares held by the shareholder whose name is recorded in the Bank Shareholder’s List as of July 2, 2010 at 4:00 pm, is entitled to 3 (three) HMETD, where each 1 (one) HMETD has a right to purchase 1 (one) unit of OWK, with an offering price of Rp 100 for each OWK which should be fully paid at the time of OWK subscription.

Penawaran Umum Saham Terbatas III Limited Public Offering of Shares III

Pada tanggal 20 Juni 2014, Bank memperoleh surat pernyataan efektif dari Dewan Komisioner Otoritas Jasa Keuangan No. S-291/D.04/2014 untuk melakukan Penawaran Umum Terbatas III (“PUT III”) dalam rangka penerbitan hak memesan efek terlebih dahulu (“HMETD”) sebanyak 8.046.248.527 lembar saham dengan harga penawaran Rp 100 per saham yang disertai dengan penerbitan Waran Seri II sebanyak 1.828.692.847 waran, dimana setiap 22 (dua puluh dua) saham hasil pelaksanaan HMETD tersebut melekat 5 (lima) Waran Seri II yang memberikan hak kepada pemegang saham untuk membeli saham baru dengan harga pelaksanaan Rp 150 per saham. Pelaksanaan Waran Seri II dapat dilaksanakan mulai tanggal 4 Februari 2015 sampai dengan tanggal 3 Juli 2017 dimana setiap pemegang 1 (satu) waran berhak untuk membeli 1 (satu) saham Bank. Pada tanggal 31 Desember 2016, jumlah waran yang belum dilaksanakan adalah 1.828.691.381 waran.

On June 20, 2014, the Bank obtained the notice of effectivity from the Chairman of Financial Service Authority (OJK) in his Letter No. S-291/D.04/2014 for the Bank’s Limited Public Offering of Shares III in relation to Rights Issue (“HMETD”) of 8,046,248,527 shares with an offering price of Rp 100 per share, together with 1,828,692,847 Series II warrants, where 5 (five) Series II warrants are embedded in every 22 (twenty two) stocks from HMETD which gives the shareholders the right to purchase new shares at an exercise price of Rp 150 per share. The holders can exercise the right to purchase the share from February 4, 2015 until July 3, 2017 wherein the holders of 1 (one) warrant are entitled to purchase 1 (one) share of the Bank. As of December 31, 2016, 1,828,691,381 warrants have not been exercised.

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PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Penawaran Umum Saham Terbatas I Limited Public Offering of Shares I Pada tanggal 23 November 2005, Bank memperoleh pernyataan efektif dari Ketua BAPEPAM dengan surat No. S-3278/PM/2005 untuk melakukan Penawaran Umum Terbatas I atas 3.000.000.000 saham Bank dengan harga penawaran sama dengan nilai nominal sebesar Rp 100 per saham, disertai dengan penerbitan 666.666.654 Waran Seri I yang memberikan hak pemegang saham untuk membeli saham baru dengan harga pelaksanaan Rp 120 per saham. Pembelian dapat dilakukan selama masa pelaksanaan yaitu mulai tanggal 30 Juni 2006 sampai dengan 29 Desember 2010. Saham-saham tersebut telah dicatatkan pada Bursa Efek Indonesia pada tanggal 2 Januari 2006.

On November 23, 2005, the Bank obtained the notice of effectivity from the Chairman of BAPEPAM in his letter No. S-3278/PM/2005 for the Bank’s limited Public Offering of shares I of 3,000,000,000 shares at an offering price that is equal to the par value of Rp 100 per share, together with 666,666,654 Series I Warrants that entitles the holder to buy new shares at an exercise price of Rp 120 per share. The holders can exercise the right to purchase the share from June 30, 2006 until December 29, 2010. These shares were listed in the Indonesia Stock Exchange on January 2, 2006.

Penawaran Umum Saham Terbatas II Limited Public Offering of Shares II Pada tanggal 22 Juni 2010, Bank memperoleh penyertaan efektif dari Ketua BAPEPAM-LK melalui surat No. S-5539/BL/2010 untuk melakukan Penawaran Umum Terbatas II (“PUT II”) kepada para pemegang saham perseroan dalam rangka penerbitan hak memesan efek terlebih dahulu (“HMETD”) dengan penerbitan obligasi wajib konversi yang diberi nama obligasi wajib konversi Bank ICB Bumiputera tahun 2010 (“OWK”) dengan jumlah pokok sebesar Rp 150.000 juta.

On June 22, 2010, the Bank obtained a notice of effectivity from the Chairman of BAPEPAM-LK in his letter No. S-5539/BL/2010 for the Bank’s Limited Public Offering II (“PUT II”) to its shareholders in relation to Rights Issue (“HMETD”) with mandatory convertible bonds, namely Mandatory Convertible Bonds of Bank ICB Bumiputera 2010 (“OWK”), with a principal amount of Rp 150,000 million.

Setiap pemegang 10 (sepuluh) saham Bank yang namanya tercatat dalam Daftar Pemegang Saham Bank pada tanggal 2 Juli 2010 pukul 16.00 WIB berhak atas 3 (tiga) HMETD dimana setiap 1 (satu) HMETD berhak untuk membeli 1 (satu) satuan OWK, dengan harga penawaran sebesar Rp 100 setiap 1 (satu) satuan OWK yang harus dibayar penuh pada saat mengajukan pemesanan OWK.

For every 10 (ten) Bank shares held by the shareholder whose name is recorded in the Bank Shareholder’s List as of July 2, 2010 at 4:00 pm, is entitled to 3 (three) HMETD, where each 1 (one) HMETD has a right to purchase 1 (one) unit of OWK, with an offering price of Rp 100 for each OWK which should be fully paid at the time of OWK subscription.

Penawaran Umum Saham Terbatas III Limited Public Offering of Shares III

Pada tanggal 20 Juni 2014, Bank memperoleh surat pernyataan efektif dari Dewan Komisioner Otoritas Jasa Keuangan No. S-291/D.04/2014 untuk melakukan Penawaran Umum Terbatas III (“PUT III”) dalam rangka penerbitan hak memesan efek terlebih dahulu (“HMETD”) sebanyak 8.046.248.527 lembar saham dengan harga penawaran Rp 100 per saham yang disertai dengan penerbitan Waran Seri II sebanyak 1.828.692.847 waran, dimana setiap 22 (dua puluh dua) saham hasil pelaksanaan HMETD tersebut melekat 5 (lima) Waran Seri II yang memberikan hak kepada pemegang saham untuk membeli saham baru dengan harga pelaksanaan Rp 150 per saham. Pelaksanaan Waran Seri II dapat dilaksanakan mulai tanggal 4 Februari 2015 sampai dengan tanggal 3 Juli 2017 dimana setiap pemegang 1 (satu) waran berhak untuk membeli 1 (satu) saham Bank. Pada tanggal 31 Desember 2016, jumlah waran yang belum dilaksanakan adalah 1.828.691.381 waran.

On June 20, 2014, the Bank obtained the notice of effectivity from the Chairman of Financial Service Authority (OJK) in his Letter No. S-291/D.04/2014 for the Bank’s Limited Public Offering of Shares III in relation to Rights Issue (“HMETD”) of 8,046,248,527 shares with an offering price of Rp 100 per share, together with 1,828,692,847 Series II warrants, where 5 (five) Series II warrants are embedded in every 22 (twenty two) stocks from HMETD which gives the shareholders the right to purchase new shares at an exercise price of Rp 150 per share. The holders can exercise the right to purchase the share from February 4, 2015 until July 3, 2017 wherein the holders of 1 (one) warrant are entitled to purchase 1 (one) share of the Bank. As of December 31, 2016, 1,828,691,381 warrants have not been exercised.

PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Penawaran Umum Saham Terbatas IV Limited Public Offering of Shares IV Pada tanggal 25 September 2015, Bank memperoleh surat pernyataan efektif dari Dewan Komisioner Otoritas Jasa Keuangan No. S-437/D.04/2015 untuk melakukan Penawaran Umum Terbatas IV (“PUT IV”) dalam rangka penerbitan hak memesan efek terlebih dahulu (“HMETD”) sebanyak 6.744.407.924 lembar saham dengan harga penawaran Rp 100 per saham. Hasil pelaksanaan PUT IV yang diterima Bank sebanyak 4.097.235.004 lembar saham dan sisanya dikembalikan ke portepel.

On September, 2015, the Bank obtained the notice of effectivity from the Chairman of Financial Service Authority (OJK) in his Letter No. S-437/D.04/2015 for the Bank’s Limited Public Offering of Shares IV in relation to Rights Issue (“HMETD”) of 6,744,407,924 shares with an offering price of Rp 100 per share. The exercise of Limited Public Offering of Shares IV that the Bank received is 4,097,235,004 shares and the rest of the offering shares were returned to the portfolio.

Penawaran Umum Saham Terbatas V Limited Public Offering of Shares V

Pada tanggal 23 September 2016, Bank memperoleh surat pernyataan efektif dari Dewan Komisioner Otoritas Jasa Keuangan No. S-531/D.04/2016 untuk melakukan Penawaran Umum Terbatas V (“PUT V”) dalam rangka penerbitan hak memesan efek terlebih dahulu (“HMETD”) sebanyak-banyaknya 4.782.390.768 lembar saham dengan harga penawaran Rp 100 per saham yang disertai dengan penerbitan Waran Seri III sebanyak 4.782.390.768 waran dimana setiap 1 (satu) saham hasil pelaksanaan HMETD tersebut melekat 1 (satu) Waran Seri III yang memberikan hak kepada pemegang saham untuk membeli saham baru dengan harga pelaksanaan Rp 100 per saham. Pelaksanaan Waran Seri III dapat dilaksanakan mulai tanggal 16 Maret 2017 sampai dengan tanggal 13 September 2019 dimana setiap pemegang 1 (satu) waran berhak untuk membeli 1 (satu) saham Bank. Hasil pelaksanaan PUT V yang diterima Bank sebanyak 1.451.901.709 lembar saham dan sisanya dikembalikan ke portepel.

On September 23, 2016 the Bank obtained the notice of effectivity from the Chairman of Financial Service Authority (OJK) in his Letter No. S-531/D.04/2016 for the Bank’s Limited Public Offering of Shares IV in relation to Rights Issue (“HMETD”) of 4,782,390,768 shares with an offering price of Rp 100 per share, together with 4,782,390,768 Series III warrants, where 1 (one) Series III warrants is embedded in every 1 (one) stocks from HMETD which gives the rights to shareholders to purchase new shares at an exercise price of Rp 100 per share. The holders can exercise the right to purchase the share from March 16, 2017 until September 13, 2019 wherein the holders of 1 (one) warrant are entitled to purchase 1 (one) share of the Bank. The exercise of Limited Public Offering of Shares V that the Bank received is 1,451,901,709 shares and the rest of the offering shares were returned to the portfolio.

Pada tanggal 31 Desember 2016, sejumlah 20.375.650.599 saham Bank telah dicatatkan pada Bursa Efek Indonesia dan sejumlah 205.814.648 saham yang merupakan saham pendiri tidak dicatatkan di bursa.

As of December 31, 2016, the Bank has a total of 20,375,650,599 shares listed on the Indonesia Stock Exchange, while the founder shares totaling to 205,814,648 shares are not listed on the stock exchange.

2. PENERAPAN STANDAR AKUNTANSI KEUANGAN BARU DAN REVISI (PSAK) DAN INTERPRETASI STANDAR AKUNTANSI KEUANGAN (ISAK)

2. ADOPTION OF NEW AND REVISED STATEMENTS OF FINANCIAL ACCOUNTING STANDARDS (“PSAK”) AND INTERPRETATIONS OF PSAK (“ISAK”)

a. Standar dan amandemen yang berlaku efektif pada tahun berjalan

a. Standards and amandments effective in the current year

Dalam tahun berjalan, Bank telah menerapkan standar baru dan, sejumlah amandemen dan interpretasi PSAK yang dikeluarkan oleh Dewan Standar Akuntansi Keuangan dari Ikatan Akuntan Indonesia yang relevan dengan operasinya dan efektif untuk periode akuntansi yang dimulai pada 1 Januari 2016.

In the current year, the Bank has applied a new standard, a number of amandments, and an interpretation to PSAK issued by the Financial Accounting Standard Board of the Indonesian Institute of Accountants that are relevant to its operations and effective for accounting period beginning on January 1, 2016.

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DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Penerapan amandemen dan interpretasi standar berikut tidak memiliki pengaruh signifikan atas pengungkapan atau jumlah yang dicatat di dalam laporan keuangan pada tahun berjalan dan tahun sebelumnya:

The application of the following amendments and intepretation to standards have not resulted to material impact to disclosures or on the amounts recognized in the current and prior year financial statements:

Amandemen PSAK 5 Segmen Operasi Amandments to PSAK 5 Operating

Segments

PSAK 7, Pengungkapan Pihak-Pihak Berelasi

PSAK 7, Related Party Disclosures

Amandemen PSAK 16: Aset Tetap dan PSAK 19: Aset Takberwujud: Model Revaluasi – penyajian kembali secara proporsional depresiasi dan amortisasi

Amendments to PSAK 16 Property, Plant and Equipment and PSAK 19 Intangible Assets: Revaluation method – proportionate restatement of accumulated depreciation/amortization

PSAK 24: Imbalan Kerja tentang Program

Imbalan Pasti: Iuran Pekerja PSAK 24: Employee Benefits about

Defined Benefit Plans: Employee Contributions

PSAK 68: Pengukuran Nilai Wajar PSAK 68 Fair Value Measurement

PSAK 70. Akuntansi Aset dan Liabilitas

Pengampunan Pajak

PSAK 70 Accounting for Tax Amnesty Asset and Liability

Standar baru ini secara khusus mengatur perlakuan akuntansi atas aset dan liabilitas pengampunan pajak sesuai dengan Undang-undang tentang Pengampunan Pajak.

The new standard specifically prescribes the accounting for tax amnesty asset and liability in relation to the application of Tax Amnesty Law.

b. Standar dan interpretasi telah diterbitkan

tapi belum diterapkan

b. Standards and interpretations issued not yet adopted

Amandemen standar dan interpretasi berikut efektif untuk periode yang dimulai pada atau setelah 1 Januari 2017, dengan penerapan dini diperkenankan yaitu:

Amendments to standard and interpretation effective for periods beginning on or after January 1, 2017, with early application permitted are the following:

PSAK 1: Penyajian Laporan Keuangan tentang Prakarsa Pengungkapan

ISAK 31: Interpretasi atas Ruang Lingkup

PSAK 13: Properti Investasi

PSAK 1: Presentation of Financial Statements about Disclosure Initiative

ISAK 31: Scope Interpretation of PSAK 13: Investment Property

Standar dan amandemen standar berikut efektif untuk periode yang dimulai pada atau setelah tanggal 1 Januari 2018, dengan penerapan dini diperkenankan yaitu:

Standard and amendment to standard effective for periods beginning on or after January 1, 2018, with early application permitted are:

Amandemen PSAK 16: Aset Tetap dan PSAK 69: Agrikultur

Amendment to PSAK 16: Property, Plant and Equipment and PSAK 69: Agriculture

Sampai dengan tanggal penerbitan laporan keuangan, dampak dari standar dan interpretasi tersebut terhadap laporan keuangan tidak dapat diketahui atau diestimasi oleh manajemen.

As of issuance date of the financial statements, the effect of adoption of these standards, amendments and interpretations on the financial statements is not known nor reasonably estimate by management.

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PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Penerapan amandemen dan interpretasi standar berikut tidak memiliki pengaruh signifikan atas pengungkapan atau jumlah yang dicatat di dalam laporan keuangan pada tahun berjalan dan tahun sebelumnya:

The application of the following amendments and intepretation to standards have not resulted to material impact to disclosures or on the amounts recognized in the current and prior year financial statements:

Amandemen PSAK 5 Segmen Operasi Amandments to PSAK 5 Operating

Segments

PSAK 7, Pengungkapan Pihak-Pihak Berelasi

PSAK 7, Related Party Disclosures

Amandemen PSAK 16: Aset Tetap dan PSAK 19: Aset Takberwujud: Model Revaluasi – penyajian kembali secara proporsional depresiasi dan amortisasi

Amendments to PSAK 16 Property, Plant and Equipment and PSAK 19 Intangible Assets: Revaluation method – proportionate restatement of accumulated depreciation/amortization

PSAK 24: Imbalan Kerja tentang Program

Imbalan Pasti: Iuran Pekerja PSAK 24: Employee Benefits about

Defined Benefit Plans: Employee Contributions

PSAK 68: Pengukuran Nilai Wajar PSAK 68 Fair Value Measurement

PSAK 70. Akuntansi Aset dan Liabilitas

Pengampunan Pajak

PSAK 70 Accounting for Tax Amnesty Asset and Liability

Standar baru ini secara khusus mengatur perlakuan akuntansi atas aset dan liabilitas pengampunan pajak sesuai dengan Undang-undang tentang Pengampunan Pajak.

The new standard specifically prescribes the accounting for tax amnesty asset and liability in relation to the application of Tax Amnesty Law.

b. Standar dan interpretasi telah diterbitkan

tapi belum diterapkan

b. Standards and interpretations issued not yet adopted

Amandemen standar dan interpretasi berikut efektif untuk periode yang dimulai pada atau setelah 1 Januari 2017, dengan penerapan dini diperkenankan yaitu:

Amendments to standard and interpretation effective for periods beginning on or after January 1, 2017, with early application permitted are the following:

PSAK 1: Penyajian Laporan Keuangan tentang Prakarsa Pengungkapan

ISAK 31: Interpretasi atas Ruang Lingkup

PSAK 13: Properti Investasi

PSAK 1: Presentation of Financial Statements about Disclosure Initiative

ISAK 31: Scope Interpretation of PSAK 13: Investment Property

Standar dan amandemen standar berikut efektif untuk periode yang dimulai pada atau setelah tanggal 1 Januari 2018, dengan penerapan dini diperkenankan yaitu:

Standard and amendment to standard effective for periods beginning on or after January 1, 2018, with early application permitted are:

Amandemen PSAK 16: Aset Tetap dan PSAK 69: Agrikultur

Amendment to PSAK 16: Property, Plant and Equipment and PSAK 69: Agriculture

Sampai dengan tanggal penerbitan laporan keuangan, dampak dari standar dan interpretasi tersebut terhadap laporan keuangan tidak dapat diketahui atau diestimasi oleh manajemen.

As of issuance date of the financial statements, the effect of adoption of these standards, amendments and interpretations on the financial statements is not known nor reasonably estimate by management.

PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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3. IKHTISAR KEBIJAKAN AKUNTANSI YANG PENTING

3. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

a. Pernyataan Kepatuhan a. Statement of Compliance

Laporan keuangan Bank disusun dan disajikan sesuai dengan Standar Akuntansi Keuangan di Indonesia.

The financial statements of the Bank have been prepared and presented in accordance with Indonesian Financial Accounting Standards.

b. Dasar Penyusunan b. Basis of Preparation

Dasar penyusunan laporan keuangan adalah biaya historis, kecuali instrumen keuangan tertentu yang diukur pada jumlah revaluasian atau nilai wajar pada setiap akhir periode pelaporan, yang dijelaskan dalam kebijakan akuntansi di bawah ini.

The financial statements have been prepared on the historical cost basis except for certain financial instruments that are measured at revalued amounts or fair values at the end of each reporting period, as explained in the accounting policies below.

Biaya historis umumnya didasarkan pada nilai wajar dari imbalan yang diberikan dalam pertukaran barang dan jasa. Nilai wajar akan dijelaskan lebih lanjut pada Catatan 3i.

Historical cost is generally based on the fair value of the consideration given in exchange for goods and services. Fair value is further discussed in Note 3i.

Laporan arus kas disusun dengan menggunakan metode langsung yang dimodifikasi dengan mengelompokkan arus kas dalam aktivitas operasi, investasi dan pendanaan. Kas dan setara kas terdiri dari kas, giro pada Bank Indonesia, giro pada bank lain, penempatan pada Bank Indonesia dan bank lain dan Sertifikat Bank Indonesia yang jatuh tempo dalam waktu tiga bulan atau kurang dari tanggal perolehannya dan yang tidak dijaminkan serta tidak dibatasi penggunaannya.

The statement of cash flows are prepared using the modified direct method with classifications of cash flows into operating, investing and financing activities. Cash and cash equivalents consist of cash on hand, demand deposits with Bank Indonesia, demand deposits with other banks, placements with Bank Indonesia and other banks and Bank Indonesia Certificates (SBI) with maturities of three months or less from the date of placement and not pledged or restricted.

c. Transaksi dan Saldo Mata Uang Asing

c. Foreign Currency Transactions and Balance

Laporan keuangan diukur dan disajikan dalam mata uang dari lingkungan ekonomi utama dimana entitas beroperasi (mata uang fungsional). Laporan keuangan Bank disajikan dalam mata uang Rupiah yang merupakan mata uang fungsional Bank dan mata uang untuk penyajian laporan keuangan.

The financial statements are measured and presented in the currency of the primary economic environtment in which the entity operates (its functional currency). The Bank financial statements are presented in Indonesian Rupiah, which is the functional currency of the Bank and the presentation currency for the financial statements.

Dalam penyusunan laporan keuangan Bank, transaksi dalam mata uang asing selain mata uang fungsional entitas (mata uang asing) diakui pada kurs yang berlaku pada tanggal transaksi. Pada setiap akhir periode pelaporan, pos moneter dalam valuta asing dijabarkan kembali dengan menggunakan kurs laporan (penutupan) yang ditetapkan oleh Bank Indonesia, yaitu kurs spot Reuters pada pukul 16.00 WIB untuk mencerminkan kurs yang berlaku pada tanggal tersebut. Pos-pos non moneter yang diukur pada nilai wajar dalam valuta asing dijabarkan kembali pada kurs yang berlaku pada tanggal ketika nilai wajar ditentukan. Pos non-moneter yang diukur dalam biaya historis dalam valuta asing yang tidak dijabarkan kembali. Selisih kurs atas pos moneter diakui dalam laba rugi pada periode saat terjadinya.

In preparing the financial statements of the Bank, transactions in currencies other than the entity’s functional currency (foreign currencies) are recognized at the rates of exchange prevailing at the dates of the transactions. At the end of each reporting period, monetary items denominated in foreign currencies are retranslated using reporting (closing) exchange rate set by Bank Indonesia, which is Reuters’ spot rate at 4.00 P.M. Western Indonesia Time to reflect the rate of exchange prevailing as that date. Non-monetary items carried at fair value that are denominated in foreign currencies are retranslated at the rates prevailing at the date when the fair value was determined. Non-monetary items that are measured in terms of historical cost in a foreign currency are not retranslated. Exchange differences on monetary items are recognized in profit or loss in the period in which they arise.

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d. Transaksi Pihak-pihak Berelasi d. Transactions with Related Parties Pihak-pihak berelasi adalah orang atau entitas yang terkait dengan Bank (entitas pelapor):

A related party is a person or entity that is related to the Bank (the reporting entity):

a. Orang atau anggota keluarga dekatnya

mempunyai relasi dengan entitas pelapor jika orang tersebut:

a. A person or a close member of that person’s family is related to the reporting entity if that person:

i. memiliki pengendalian atau

pengendalian bersama atas entitas pelapor;

i. has control or joint control over the reporting entity;

ii. memiliki pengaruh signifikan atas entitas pelapor; atau

ii. has significant influence over the reporting entity; or

iii. merupakan personil manajemen kunci

entitas pelapor atau entitas induk dari entitas pelapor.

iii. is a member of the key management personnel of the reporting entity or of a parent of the reporting entity.

b. Suatu entitas berelasi dengan entitas pelapor jika memenuhi salah satu hal berikut:

b. An entity is related to the reporting entity if any of the following conditions applies:

i. entitas dan entitas pelapor adalah anggota dari kelompok usaha yang sama (artinya entitas induk, entitas anak, dan entitas anak berikutnya saling berelasi dengan entitas lainnya).

i. the entity, and the reporting entity are members of the same group (which means that each parent, subsidiary and fellow subsidiary is related to the others).

ii. satu entitas adalah entitas asosiasi atau ventura bersama dari entitas lain (atau entitas asosiasi atau ventura bersama yang merupakan anggota suatu kelompok usaha, yang mana entitas lain tersebut adalah anggotanya).

ii. one entity is an associate or joint venture of the other entity (or an associate or joint venture of a member of a group of which the other entity is a member).

iii. kedua entitas tersebut adalah ventura bersama dari pihak ketiga yang sama.

iii. both entities are joint ventures of the same third party.

iv. satu entitas adalah ventura bersama dari entitas ketiga dan entitas yang lain adalah entitas asosiasi dari entitas ketiga.

iv. one entity is a joint venture of a third entity and the other entity is an associate of the third entity.

v. Entitas tersebut adalah suatu program imbalan pasca kerja untuk imbalan kerja dari salah satu entitas pelapor atau entitas yang terkait dengan entitas pelapor. Jika entitas pelapor adalah entitas yang menyelenggarakan program tersebut, maka entitas sponsor juga berelasi dengan entitas pelapor.

v. the entity is a post-employment benefit plan for the benefit of employees of either the reporting entity, or an entity related to the reporting entity. If the reporting entity is itself such a plan, the sponsoring employers are also related to the reporting entity.

vi. entitas yang dikendalikan atau dikendalikan bersama oleh orang yang diidentifikasi dalam huruf (a).

vi. the entity is controlled or jointly controlled by a person identified in (a).

vii. orang yang diidentifikasi dalam huruf

(a) (i) memiliki pengaruh signifikan atas entitas atau merupakan personil manajemen kunci entitas (atau entitas induk dari entitas).

vii. a person identified in (a) (i) has significant influence over the entity or is a member of the key management personnel of the entity (or a parent of the entity).

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PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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d. Transaksi Pihak-pihak Berelasi d. Transactions with Related Parties Pihak-pihak berelasi adalah orang atau entitas yang terkait dengan Bank (entitas pelapor):

A related party is a person or entity that is related to the Bank (the reporting entity):

a. Orang atau anggota keluarga dekatnya

mempunyai relasi dengan entitas pelapor jika orang tersebut:

a. A person or a close member of that person’s family is related to the reporting entity if that person:

i. memiliki pengendalian atau

pengendalian bersama atas entitas pelapor;

i. has control or joint control over the reporting entity;

ii. memiliki pengaruh signifikan atas entitas pelapor; atau

ii. has significant influence over the reporting entity; or

iii. merupakan personil manajemen kunci

entitas pelapor atau entitas induk dari entitas pelapor.

iii. is a member of the key management personnel of the reporting entity or of a parent of the reporting entity.

b. Suatu entitas berelasi dengan entitas pelapor jika memenuhi salah satu hal berikut:

b. An entity is related to the reporting entity if any of the following conditions applies:

i. entitas dan entitas pelapor adalah anggota dari kelompok usaha yang sama (artinya entitas induk, entitas anak, dan entitas anak berikutnya saling berelasi dengan entitas lainnya).

i. the entity, and the reporting entity are members of the same group (which means that each parent, subsidiary and fellow subsidiary is related to the others).

ii. satu entitas adalah entitas asosiasi atau ventura bersama dari entitas lain (atau entitas asosiasi atau ventura bersama yang merupakan anggota suatu kelompok usaha, yang mana entitas lain tersebut adalah anggotanya).

ii. one entity is an associate or joint venture of the other entity (or an associate or joint venture of a member of a group of which the other entity is a member).

iii. kedua entitas tersebut adalah ventura bersama dari pihak ketiga yang sama.

iii. both entities are joint ventures of the same third party.

iv. satu entitas adalah ventura bersama dari entitas ketiga dan entitas yang lain adalah entitas asosiasi dari entitas ketiga.

iv. one entity is a joint venture of a third entity and the other entity is an associate of the third entity.

v. Entitas tersebut adalah suatu program imbalan pasca kerja untuk imbalan kerja dari salah satu entitas pelapor atau entitas yang terkait dengan entitas pelapor. Jika entitas pelapor adalah entitas yang menyelenggarakan program tersebut, maka entitas sponsor juga berelasi dengan entitas pelapor.

v. the entity is a post-employment benefit plan for the benefit of employees of either the reporting entity, or an entity related to the reporting entity. If the reporting entity is itself such a plan, the sponsoring employers are also related to the reporting entity.

vi. entitas yang dikendalikan atau dikendalikan bersama oleh orang yang diidentifikasi dalam huruf (a).

vi. the entity is controlled or jointly controlled by a person identified in (a).

vii. orang yang diidentifikasi dalam huruf

(a) (i) memiliki pengaruh signifikan atas entitas atau merupakan personil manajemen kunci entitas (atau entitas induk dari entitas).

vii. a person identified in (a) (i) has significant influence over the entity or is a member of the key management personnel of the entity (or a parent of the entity).

PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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viii. Entitas, atau anggota dari kelompok yang mana entitas merupakan bagian dari kelompok tersebut, menyediakan jasa personil manajemen kunci kepada entitas pelapor atau kepada entitas induk dari entitas pelapor.

viii. The entity, or any member of a group of which it is a part, provides key management personnel services to the reporting entity or to the parent of the reporting entity.

Transaksi signifikan yang dilakukan dengan pihak-pihak berelasi, baik dilakukan dengan kondisi dan persyaratan yang sama dengan pihak ketiga maupun tidak, diungkapkan pada laporan keuangan.

Significant transactions with related parties, whether or not made at similar terms and conditions as those done with third parties, are disclosed in the financial statements.

e. Aset Keuangan

Seluruh aset keuangan diakui dan dihentikan pengakuannya pada tanggal diperdagangkan dimana pembelian dan penjualan aset keuangan berdasarkan kontrak yang mensyaratkan penyerahan aset keuangan dalam kurun waktu yang ditetapkan oleh kebiasaan pasar yang berlaku, dan awalnya diukur sebesar nilai wajar ditambah biaya transaksi, kecuali untuk aset keuangan yang diukur pada nilai wajar melalui laba rugi, yang awalnya diukur sebesar nilai wajar.

e. Financial Assets All financial assets are recognized and derecognized on trade date where the purchase or sale of a financial asset is under a contract whose terms require delivery of the financial asset within the time frame established by the market concerned, and are initially measured at fair value plus transaction costs, except for those financial assets classified as at fair value through profit or loss, which are initially measured at fair value.

Aset keuangan Bank diklasifikasikan sebagai berikut: Nilai wajar melalui laba rugi Dimiliki hingga jatuh tempo Tersedia untuk dijual Pinjaman yang diberikan dan piutang

The Bank’s financial assets are classified as follows: Fair value through profit or loss (FVTPL) Held-to-maturity Available-for-sale Loans and receivable

Nilai wajar melalui laba rugi (FVTPL)

Aset keuangan diklasifikasi dalam FVTPL, jika aset keuangan sebagai kelompok diperdagangkan atau pada saat pengakuan awal ditetapkan untuk diukur pada FVTPL.

Fair Value Through Profit or Loss (FVTPL) Financial assets are classified as at FVTPL where the financial asset is either held for trading or it designated as at FVTPL.

Aset keuangan diklasifikasi sebagai kelompok diperdagangkan, jika:

A financial asset is classified as held for trading if:

diperoleh atau dimiliki terutama untuk tujuan dijual kembali dalam waktu dekat; atau

it has been acquired principally for the purpose of selling in the near term; or

pada pengakuan awal merupakan bagian dari portofolio instrumen keuangan tertentu yang dikelola bersama dan terdapat bukti mengenai pola ambil untung dalam jangka pendek aktual terkini; atau

on initial recognition it is a part of an identified portfolio of financial instruments that the entity manages together and has a recent actual pattern of short-term profit-taking; or

merupakan derivatif yang tidak ditetapkan dan tidak efektif sebagai instrumen lindung nilai.

it is a derivative that is not designated and effective as a hedging instrument.

Aset keuangan selain aset keuangan yang diperdagangkan, dapat ditetapkan sebagai FVTPL pada saat pengakuan awal, jika:

penetapan tersebut mengeliminasi atau

mengurangi secara signifikan inkonsistensi pengukuran dan pengakuan yang dapat timbul; atau

A financial asset other than a financial asset held for trading may be designated as at FVTPL upon initial recognition if:

such designation eliminates or

significantly reduces a measurement or recognition inconsistency that would otherwise arise; or

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

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kelompok aset keuangan, liabilitas keuangan atau keduanya, dikelola dan kinerjanya dievaluasi berdasarkan nilai wajar, sesuai dengan manajemen risiko atau strategi investasi yang didokumentasikan, dan informasi tentang Bank disediakan secara internal kepada manajemen kunci entitas, misalnya direksi dan CEO.

a group of financial assets, financial liabilities or both is managed and its performance is evaluated on a fair value basis, in accordance with a documented risk management or investment strategy, and information about the Bank is provided internally on that basis to the entity’s key management personnel, for example the board of directors and chief executive officer.

Aset keuangan FVTPL disajikan sebesar nilai wajar, keuntungan atau kerugian yang timbul diakui dalam laba rugi. Keuntungan atau kerugian bersih yang diakui dalam laba rugi mencakup dividen atau bunga yang diperoleh dari aset keuangan. Nilai wajar ditentukan dengan cara seperti dijelaskan pada Catatan 3i.

Financial assets at FVTPL are stated at fair value, with any resultant gain or loss recognized in profit or loss. The net gain or loss recognized in profit or loss incorporates any dividend or interest earned on the financial asset. Fair value is determined in the manner described in Note 3i.

Dimiliki hingga jatuh tempo Aset keuangan diklasifikasikan sebagai investasi dimiliki hingga jatuh tempo hanya jika investasi tersebut memiliki pembayaran yang tetap atau telah ditentukan dan jatuh temponya telah ditetapkan serta Bank mempunyai intensi positif dan kemampuan untuk memiliki aset keuangan tersebut hingga jatuh tempo. Pada saat pengakuan awal, investasi dimiliki hingga jatuh tempo diukur pada nilai wajar ditambah dengan biaya transaksi yang dapat diatribusikan secara langsung dengan perolehan aset keuangan. Setelah pengakuan awal, investasi dimiliki hingga jatuh tempo diukur dengan biaya perolehan diamortisasi dengan menggunakan metode suku bunga efektif dikurangi kerugian penurunan nilai yang ada.

Held-to-maturity Financial assets are classified as held-to-maturity investment only if these investments have fixed or determined payments and their maturity date has been determined and the Bank has the positive intention and ability to hold such financial assets to maturity. Held-to-maturity investments are initially measured at fair value plus transaction costs which are attributable directly to the acquisition of the financial assets. After initial recognition, held-to-maturity investments are measured at amortized cost, using effective interest method less any impairment losses.

Aset keuangan tersedia untuk dijual AFS aset keuangan adalah aset keuangan non-derivatif yang ditetapkan baik sebagai AFS atau yang tidak diklasifikasikan sebagai (a) pinjaman yang diberikan dan piutang, (b) dimiliki hingga jatuh tempo atau (c) aset keuangan pada nilai wajar melalui laba rugi (FVTPL). Pada saat pengakuan awal, aset keuangan yang tersedia untuk dijual diukur pada nilai wajar ditambah dengan biaya transaksi yang dapat diatribusikan secara langsung. Setelah itu, aset keuangan tersedia untuk dijual diukur dan dicatat pada nilai wajar.

Available-for-sale financial assets AFS financial assets are non-derivative financial assets that are either designated as AFS or are not classified as (a) loans and receivables, (b) held-to-maturity investments or (c) financial assets at fair value through profit or loss. Available-for-sale financial assets are initially measured at fair value plus any directly attributable transaction costs. Subsequently, they are measured at fair value.

Keuntungan atau kerugian yang timbul dari perubahan nilai wajar diakui dalam penghasilan komprehensif lain dan akumulasi revaluasi investasi AFS di ekuitas kecuali untuk kerugian penurunan nilai, bunga yang dihitung dengan metode suku bunga efektif dan laba rugi selisih kurs atas aset moneter yang diakui pada laba rugi. Jika aset keuangan dilepas atau mengalami penurunan nilai, akumulasi laba atau rugi yang sebelumnya diakui pada revaluasi investasi AFS, direklas ke laba rugi.

Gains and losses arising from changes in fair value are recognized in other comprehensive income and in equity as accumulated in AFS investment revaluation, with the exception of impairment losses, interest calculated using the effective interest method, and foreign exchange gains and losses on monetary assets, which are recognized in profit or loss. When the investment is disposed of or is determined to be impaired, the cumulative gain or loss previously accumulated in AFS investment revaluation is reclassified to profit or loss.

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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kelompok aset keuangan, liabilitas keuangan atau keduanya, dikelola dan kinerjanya dievaluasi berdasarkan nilai wajar, sesuai dengan manajemen risiko atau strategi investasi yang didokumentasikan, dan informasi tentang Bank disediakan secara internal kepada manajemen kunci entitas, misalnya direksi dan CEO.

a group of financial assets, financial liabilities or both is managed and its performance is evaluated on a fair value basis, in accordance with a documented risk management or investment strategy, and information about the Bank is provided internally on that basis to the entity’s key management personnel, for example the board of directors and chief executive officer.

Aset keuangan FVTPL disajikan sebesar nilai wajar, keuntungan atau kerugian yang timbul diakui dalam laba rugi. Keuntungan atau kerugian bersih yang diakui dalam laba rugi mencakup dividen atau bunga yang diperoleh dari aset keuangan. Nilai wajar ditentukan dengan cara seperti dijelaskan pada Catatan 3i.

Financial assets at FVTPL are stated at fair value, with any resultant gain or loss recognized in profit or loss. The net gain or loss recognized in profit or loss incorporates any dividend or interest earned on the financial asset. Fair value is determined in the manner described in Note 3i.

Dimiliki hingga jatuh tempo Aset keuangan diklasifikasikan sebagai investasi dimiliki hingga jatuh tempo hanya jika investasi tersebut memiliki pembayaran yang tetap atau telah ditentukan dan jatuh temponya telah ditetapkan serta Bank mempunyai intensi positif dan kemampuan untuk memiliki aset keuangan tersebut hingga jatuh tempo. Pada saat pengakuan awal, investasi dimiliki hingga jatuh tempo diukur pada nilai wajar ditambah dengan biaya transaksi yang dapat diatribusikan secara langsung dengan perolehan aset keuangan. Setelah pengakuan awal, investasi dimiliki hingga jatuh tempo diukur dengan biaya perolehan diamortisasi dengan menggunakan metode suku bunga efektif dikurangi kerugian penurunan nilai yang ada.

Held-to-maturity Financial assets are classified as held-to-maturity investment only if these investments have fixed or determined payments and their maturity date has been determined and the Bank has the positive intention and ability to hold such financial assets to maturity. Held-to-maturity investments are initially measured at fair value plus transaction costs which are attributable directly to the acquisition of the financial assets. After initial recognition, held-to-maturity investments are measured at amortized cost, using effective interest method less any impairment losses.

Aset keuangan tersedia untuk dijual AFS aset keuangan adalah aset keuangan non-derivatif yang ditetapkan baik sebagai AFS atau yang tidak diklasifikasikan sebagai (a) pinjaman yang diberikan dan piutang, (b) dimiliki hingga jatuh tempo atau (c) aset keuangan pada nilai wajar melalui laba rugi (FVTPL). Pada saat pengakuan awal, aset keuangan yang tersedia untuk dijual diukur pada nilai wajar ditambah dengan biaya transaksi yang dapat diatribusikan secara langsung. Setelah itu, aset keuangan tersedia untuk dijual diukur dan dicatat pada nilai wajar.

Available-for-sale financial assets AFS financial assets are non-derivative financial assets that are either designated as AFS or are not classified as (a) loans and receivables, (b) held-to-maturity investments or (c) financial assets at fair value through profit or loss. Available-for-sale financial assets are initially measured at fair value plus any directly attributable transaction costs. Subsequently, they are measured at fair value.

Keuntungan atau kerugian yang timbul dari perubahan nilai wajar diakui dalam penghasilan komprehensif lain dan akumulasi revaluasi investasi AFS di ekuitas kecuali untuk kerugian penurunan nilai, bunga yang dihitung dengan metode suku bunga efektif dan laba rugi selisih kurs atas aset moneter yang diakui pada laba rugi. Jika aset keuangan dilepas atau mengalami penurunan nilai, akumulasi laba atau rugi yang sebelumnya diakui pada revaluasi investasi AFS, direklas ke laba rugi.

Gains and losses arising from changes in fair value are recognized in other comprehensive income and in equity as accumulated in AFS investment revaluation, with the exception of impairment losses, interest calculated using the effective interest method, and foreign exchange gains and losses on monetary assets, which are recognized in profit or loss. When the investment is disposed of or is determined to be impaired, the cumulative gain or loss previously accumulated in AFS investment revaluation is reclassified to profit or loss.

PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Investasi dalam instrumen ekuitas yang tidak tercatat di bursa yang tidak mempunyai kuotasi di pasar aktif dan nilai wajarnya tidak dapat diukur secara andal diklasifikasikan sebagai AFS, diukur pada biaya perolehan dikurangi penurunan nilai.

Investments in unlisted equity instruments that are not quoted in an active market and whose fair value cannot be reliably measured are also classified as AFS, measured at cost less impairment.

Dividen atas instrumen AFS, jika ada, diakui pada laba rugi pada saat hak untuk memperoleh pembayaran dividen ditetapkan.

Dividend on AFS equity instrument, if any, are recognized in profit or loss when the Bank’s right to receive the dividends are established.

Pinjaman yang diberikan dan piutang Aset keuangan dengan pembayaran tetap atau telah ditentukan dan tidak mempunyai kuotasi di pasar aktif diklasifikasi sebagai pinjaman yang diberikan dan piutang, yang diukur pada biaya perolehan diamortisasi dengan menggunakan metode suku bunga efektif dikurangi kerugian penurunan nilai. Bunga diakui dengan menggunakan metode suku bunga efektif, kecuali piutang jangka pendek dimana pengakuan bunga tidak material.

Loans and receivables Financial assets that have fixed or determinable payments and that are not quoted in an active market are classified as loans and receivables. Loans and receivables are measured at amortized cost using the effective interest method less impairment losses. Interest is recognized by applying the effective interest method, except for short-term receivables when the recognition of interest would be immaterial.

Metode suku bunga efektif Metode suku bunga efektif adalah metode yang digunakan untuk menghitung biaya perolehan diamortisasi dari instrumen keuangan dan metode untuk mengalokasikan pendapatan bunga dan beban bunga selama periode yang relevan. Suku bunga efektif adalah suku bunga yang secara tepat mendiskontokan estimasi penerimaan atau pembayaran kas masa depan (mencakup seluruh komisi dan bentuk lain yang dibayarkan dan diterima oleh para pihak dalam kontrak yang merupakan bagian yang tak terpisahkan dari suku bunga efektif, biaya transaksi dan premium dan diskonto lainnya) selama perkiraan umur instrumen keuangan, atau, jika lebih tepat, digunakan periode yang lebih singkat untuk memperoleh nilai tercatat bersih dari aset keuangan pada saat pengakuan awal.

Effective interest method The effective interest method is a method of calculating the amortized cost of a financial instrument and of allocating interest income and interest expense over the relevant period. The effective interest rate is the rate that exactly discounts estimated future cash receipts or payments (including all fees and points paid or received that form an integral part of the effective interest rate, transaction costs and other premiums or discounts) through the expected life of the financial instrument, or where appropriate, a shorter period to the net carrying amount on initial recognition.

Pendapatan diakui berdasarkan suku bunga efektif untuk instrumen keuangan selain dari instrumen keuangan FVTPL.

Income is recognized on an effective interest basis for financial instruments other than those financial instruments at FVTPL.

Penurunan nilai aset keuangan Aset keuangan, selain aset keuangan FVTPL, dievaluasi terhadap indikator penurunan nilai pada setiap tanggal pelaporan. Aset keuangan diturunkan nilainya bila terdapat bukti objektif, sebagai akibat dari satu atau lebih peristiwa yang terjadi setelah pengakuan awal aset keuangan, dan peristiwa yang merugikan tersebut berdampak pada estimasi arus kas masa depan atas aset keuangan yang dapat diestimasi secara andal.

Impairment of financial assets Financial assets, other than those at FVTPL, are assessed for indicators of impairment at each reporting date. Financial assets are impaired when there is objective evidence that, as a result of one or more events that occurred after the initial recognition of the financial asset, the estimated future cash flows of the investment have been affected.

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Untuk investasi ekuitas AFS yang tercatat dan tidak tercatat di bursa, penurunan yang signifikan atau jangka panjang dalam nilai wajar dari instrumen ekuitas di bawah biaya perolehannya dianggap sebagai bukti obyektif terjadinya penurunan nilai.

For listed and unlisted equity investments classified as AFS, a significant or prolonged decline in the fair value of the security below its cost is considered to be objective evidence of impairment.

Bukti obyektif penurunan nilai termasuk sebagai berikut: kesulitan keuangan signifikan yang

dialami penerbit atau pihak peminjam; atau

pelanggaran kontrak, seperti terjadinya wanprestasi atau tunggakan pembayaran pokok atau bunga; atau

terdapat kemungkinan bahwa pihak

peminjam akan dinyatakan pailit atau melakukan reorganisasi keuangan.

The objective evidence of impairment could include: significant financial difficulty of the issuer

or counterparty; or default or delinquency in interest or

principal payments; or it becoming probable that the borrower

will enter bankruptcy or financial re-organization.

Untuk aset keuangan yang diukur pada biaya perolehan yang diamortisasi, jumlah kerugian penurunan nilai merupakan selisih antara jumlah tercatat aset keuangan dengan nilai kini dari estimasi arus kas masa depan yang didiskontokan menggunakan suku bunga efektif awal dari aset keuangan.

For financial assets carried at amortized cost, the amount of the impairment is the difference between the asset’s carrying amount and the present value of estimated future cash flows, discounted at the financial asset’s original effective interest rate.

Kerugian penurunan nilai dihitung secara individual untuk aset keuangan yang signifikan secara individual serta kolektif untuk aset yang secara individual tidak signifikan dan secara individual signifikan namun tidak terdapat bukti obyektif penurunan nilai. Di dalam menentukan penurunan nilai kolektif, aset keuangan dikelompokkan pada kelompok aset keuangan berdasarkan karakteristik risiko kredit yang serupa. Arus kas masa depan dari kelompok aset keuangan ini diestimasi berdasarkan arus kas kontraktual dan pengalaman kerugian historis untuk aset yang memiliki karakteristik risiko kredit yang serupa. Pengalaman historis kerugian disesuaikan berdasarkan hasil pengamatan data pada masa kini, untuk merefleksikan efek dari kondisi masa kini yang tidak mempengaruhi periode dari pengalaman historis.

Impairment loss is calculated individually for financial assets that are individually significant and collectively for assets that are individually not significant or individually significant but there is no objective evidence of impairment when assessed individually. In determining collective impairment, financial assets are grouped into groups of financial assets based on similar credit risk characteristics. Future cash flow from a group of financial assets is estimated based on contractual cash flows and historical loss experience for assets that have similar credit risk characteristics. Historical loss experience is adjusted based on data observations in the present, to reflect the effects of current conditions that do not affect the period of historical experience.

Dalam melakukan penilaian secara kolektif, Bank harus menghitung:

In conducting collective assessment, the Bank must calculate:

Probability of default (”PD”) – model ini menilai probabilitas konsumen gagal melakukan pembayaran kembali secara penuh dan tepat waktu.

Probability of default (“PD”) – these models assess the probability of customers failing to repay fully and on time.

Recoverable amount – didasarkan pada identifikasi arus kas masa depan dan estimasi nilai kini dari arus kas tersebut (discounted cash flow).

Recoverable amount – based on identification of future cash flows and estimation of the present value of those cash flows (discounted cash flow).

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PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Untuk investasi ekuitas AFS yang tercatat dan tidak tercatat di bursa, penurunan yang signifikan atau jangka panjang dalam nilai wajar dari instrumen ekuitas di bawah biaya perolehannya dianggap sebagai bukti obyektif terjadinya penurunan nilai.

For listed and unlisted equity investments classified as AFS, a significant or prolonged decline in the fair value of the security below its cost is considered to be objective evidence of impairment.

Bukti obyektif penurunan nilai termasuk sebagai berikut: kesulitan keuangan signifikan yang

dialami penerbit atau pihak peminjam; atau

pelanggaran kontrak, seperti terjadinya wanprestasi atau tunggakan pembayaran pokok atau bunga; atau

terdapat kemungkinan bahwa pihak

peminjam akan dinyatakan pailit atau melakukan reorganisasi keuangan.

The objective evidence of impairment could include: significant financial difficulty of the issuer

or counterparty; or default or delinquency in interest or

principal payments; or it becoming probable that the borrower

will enter bankruptcy or financial re-organization.

Untuk aset keuangan yang diukur pada biaya perolehan yang diamortisasi, jumlah kerugian penurunan nilai merupakan selisih antara jumlah tercatat aset keuangan dengan nilai kini dari estimasi arus kas masa depan yang didiskontokan menggunakan suku bunga efektif awal dari aset keuangan.

For financial assets carried at amortized cost, the amount of the impairment is the difference between the asset’s carrying amount and the present value of estimated future cash flows, discounted at the financial asset’s original effective interest rate.

Kerugian penurunan nilai dihitung secara individual untuk aset keuangan yang signifikan secara individual serta kolektif untuk aset yang secara individual tidak signifikan dan secara individual signifikan namun tidak terdapat bukti obyektif penurunan nilai. Di dalam menentukan penurunan nilai kolektif, aset keuangan dikelompokkan pada kelompok aset keuangan berdasarkan karakteristik risiko kredit yang serupa. Arus kas masa depan dari kelompok aset keuangan ini diestimasi berdasarkan arus kas kontraktual dan pengalaman kerugian historis untuk aset yang memiliki karakteristik risiko kredit yang serupa. Pengalaman historis kerugian disesuaikan berdasarkan hasil pengamatan data pada masa kini, untuk merefleksikan efek dari kondisi masa kini yang tidak mempengaruhi periode dari pengalaman historis.

Impairment loss is calculated individually for financial assets that are individually significant and collectively for assets that are individually not significant or individually significant but there is no objective evidence of impairment when assessed individually. In determining collective impairment, financial assets are grouped into groups of financial assets based on similar credit risk characteristics. Future cash flow from a group of financial assets is estimated based on contractual cash flows and historical loss experience for assets that have similar credit risk characteristics. Historical loss experience is adjusted based on data observations in the present, to reflect the effects of current conditions that do not affect the period of historical experience.

Dalam melakukan penilaian secara kolektif, Bank harus menghitung:

In conducting collective assessment, the Bank must calculate:

Probability of default (”PD”) – model ini menilai probabilitas konsumen gagal melakukan pembayaran kembali secara penuh dan tepat waktu.

Probability of default (“PD”) – these models assess the probability of customers failing to repay fully and on time.

Recoverable amount – didasarkan pada identifikasi arus kas masa depan dan estimasi nilai kini dari arus kas tersebut (discounted cash flow).

Recoverable amount – based on identification of future cash flows and estimation of the present value of those cash flows (discounted cash flow).

PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Loss given default (”LGD”) – Bank mengestimasi kerugian ekonomis yang mungkin akan diderita Bank apabila terjadi tunggakan fasilitas kredit. LGD menggambarkan jumlah utang yang tidak dapat diperoleh kembali dan umumnya ditunjukkan dalam persentase dari exposure at default (EAD). Model perhitungan LGD mempertimbangkan jenis peminjam, fasilitas dan mitigasi risiko, misalnya ketersediaan agunan.

Loss given default (“LGD”) – the Bank estimates economic losses that may be suffered by the Bank if there are arrears in credit facility. LGD describes the amount of debt that may not be recovered and is generally expressed as a percentage of the exposure at default (EAD). The LGD calculation model considers the type of borrower, facility and any risk mitigation such as availability of collateral.

Loss identification period (”LIP”) –periode

waktu antara terjadinya peristiwa yang merugikan dalam kelompok aset keuangan sampai bukti obyektif dapat diidentifikasi atas fasilitas kredit secara individual.

Loss identification period (”LIP”) – the period of time from the occurrence of a loss event in a group of financial assets until objective evidence can be identified on credit facility individually.

Exposure at default (”EAD”) – Bank mengestimasi tingkat utilisasi yang diharapkan dari fasilitas kredit pada saat terjadi tunggakan.

Exposure at default (“EAD”) – the Bank estimates the expected utilization level of credit facilities in the event of arrears.

PD, LGD dan LIP diperoleh dari observasi data fasilitas kredit selama minimal empat tahun.

PD, LGD and LIP are derived from observation of credit facility data for at least four years.

Cadangan kerugian penurunan nilai yang dinilai secara kolektif dilakukan dengan mengkalikan nilai baki debet fasilitas kredit pada posisi laporan dengan probability default (PD), loss identification period (LIP) dan loss given default (LGD).

Allowance for impairment losses collectively assessed is performed by multiplying the outstanding credit facility at report date by the probability of default (PD), loss identification period (LIP) and loss given default (LGD).

Kerugian penurunan nilai diakui pada laba rugi dan nilai tercatat dari aset keuangan atau kelompok aset keuangan dikurangi dengan cadangan kerugian penurunan nilai yang terbentuk. Pada saat penurunan nilai diakui dalam aset keuangan atau kelompok aset keuangan, pendapatan bunga diakui berdasarkan nilai tercatat setelah penurunan nilai menggunakan tarif bunga yang digunakan untuk mendiskontokan estimasi arus kas masa depan pada saat menghitung penurunan nilai.

The impairment loss is recognized in profit or loss and the carrying amount of the financial asset or group of financial assets are presented net of allowance for impairment losses. When impairment losses are recognized in the financial asset or group of financial assets, interest income is recognized based on the carrying amount after impairment using the interest rate used for discounting the estimated future cash flow when calculating impairment.

Jika aset keuangan AFS dianggap menurun nilainya, keuntungan atau kerugian kumulatif yang sebelumnya telah diakui dalam ekuitas direklasifikasi ke laba rugi.

When an AFS financial asset is considered to be impaired, cumulative gains or losses previously recognized in equity are reclassified to profit or loss.

Kecuali instrumen ekuitas AFS, jika, pada periode berikutnya, jumlah penurunan nilai berkurang dan pengurangan tersebut dapat dikaitkan secara obyektif dengan peristiwa yang terjadi setelah penurunan nilai diakui, kerugian penurunan nilai yang diakui sebelumnya dipulihkan melalui laba rugi hingga nilai tercatat investasi pada tanggal pemulihan penurunan nilai, sepanjang nilainya tidak melebihi biaya perolehan diamortisasi sebelum pengakuan kerugian penurunan nilai dilakukan.

With the exception of AFS equity instruments, if, in a subsequent period, the amount of the impairment loss decreases and the decrease can be related objectively to an event occurring after the impairment was recognized, the previously recognized impairment loss is reversed through profit or loss to the extent that the carrying amount of the investment at the date the impairment is reversed does not exceed what the amortized cost would have been had the impairment not been recognized.

Dalam hal efek ekuitas AFS, kerugian penurunan nilai yang sebelumnya diakui dalam laba rugi tidak boleh dipulihkan melalui laba rugi. Setiap kenaikan nilai wajar setelah penurunan nilai diakui secara langsung ke penghasilan komprehensif lain.

In respect of AFS equity investments, impairment losses previously recognized in profit or loss are not reversed through profit or loss. Any increase in fair value subsequent to an impairment loss is recognized directly in other comprehensive income.

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Penghentian pengakuan aset keuangan Bank menghentikan pengakuan aset keuangan jika dan hanya jika hak kontraktual atas arus kas yang berasal dari aset keuangan berakhir, atau Bank mentransfer aset keuangan dan secara substansial mentransfer seluruh risiko dan manfaat atas kepemilikan aset kepada entitas lain. Jika Bank tidak mentransfer serta tidak memiliki secara substansial atas seluruh risiko dan manfaat kepemilikan serta masih mengendalikan aset yang ditransfer, maka Bank mengakui keterlibatan berkelanjutan atas aset yang ditransfer dan liabilitas terkait sebesar jumlah yang mungkin harus dibayar. Jika Bank memiliki secara substansial seluruh risiko dan manfaat kepemilikan aset keuangan yang ditransfer, Bank masih mengakui aset keuangan dan juga mengakui pinjaman yang dijamin sebesar pinjaman yang diterima.

Derecognition of financial assets The Bank derecognizes a financial asset only when the contractual rights to the cash flows from the asset expire, or when it transfers the financial asset and substantially all the risks and rewards of ownership of the asset to another entity. If the Bank neither transfers nor retains substantially all the risks and rewards of ownership and continues to control the transferred asset, the Bank recognizes its retained interest in the asset and an associated liability for amounts it may have to pay. If the Bank retains substantially all the risks and rewards of ownership of a transferred financial asset, the Bank continues to recognize the financial asset and also recognizes a collateralized borrowing for the proceeds received.

Penghentian pengakuan aset keuangan secara keseluruhan, selisih antara jumlah tercatat aset dan jumlah pembayaran dan piutang yang diterima dan keuntungan atau kerugian kumulatif yang telah diakui dalam penghasilan komprehensif lain dan terakumulasi dalam ekuitas diakui dalam laba rugi.

On derecognition of financial asset in its entirety, the difference between the asset’s carrying amount and the sum of the consideration received and receivable and the cumulative gain or loss that had been recognized in other comprehensive income and accumulated in equity is recognized in profit or loss.

Penghentian pengakuan aset keuangan terhadap satu bagian saja (misalnya ketika Bank masih memiliki hak untuk membeli kembali bagian aset yang ditransfer), Bank mengalokasikan jumlah tercatat sebelumnya dari aset keuangan tersebut pada bagian yang tetap diakui berdasarkan keterlibatan berkelanjutan dan bagian yang tidak lagi diakui berdasarkan nilai wajar relatif dari kedua bagian tersebut pada tanggal transfer. Selisih antara jumlah tercatat yang dialokasikan pada bagian yang tidak lagi diakui dan jumlah dari pembayaran yang diterima untuk bagian yang yang tidak lagi diakui dan setiap keuntungan atau kerugian kumulatif yang dialokasikan pada bagian yang tidak lagi diakui tersebut yang sebelumnya telah diakui dalam penghasilan komprehensif lain diakui pada laba rugi. Keuntungan dan kerugian kumulatif yang sebelumnya diakui dalam penghasilan komprehensif lain dialokasikan pada bagian yang tetap diakui dan bagian yang dihentikan pengakuannya, berdasarkan nilai wajar relatif kedua bagian tersebut.

On derecognition of financial asset other than its entirety (e.g., when the Bank retains an option to repurchase part of a transferred asset), the Bank allocates the previous carrying amount of the financial asset between the part it continues to recognize under continuing involvement, and the part it no longer recognizes on the basis of the relative fair values of those parts on the date of the transfer. The difference between the carrying amount allocated to the part that is no longer recognized and the sum of the consideration received for the part no longer recognized and any cumulative gain or loss allocated to it that had been recognized in other comprehensive income is recognized in profit or loss. A cumulative gain or loss that had been recognized in other comprehensive income is allocated between the part that continues to be recognized and the part that is no longer recognized on the basis of the relative fair values of those parts.

Aset dihapusbukukan dari cadangan kerugian penurunan nilai pada saat manajemen berpendapat bahwa aset tersebut harus dihapuskan karena secara operasional debitur sudah tidak mampu membayar dan/atau sulit untuk ditagih. Penerimaan kembali aset yang telah dihapuskan pada tahun berjalan dicatat sebagai penambahan cadangan kerugian penurunan nilai yang bersangkutan selama tahun berjalan. Penerimaan kembali aset yang telah dihapuskan pada tahun-tahun sebelumnya dicatat sebagai pendapatan operasional tahun berjalan.

Assets written off are charged to the allowance for impairment losses when management believes that they are definitely uncollectible. Recovery of assets previously written off in the current year is recorded as an addition to the allowance for impairment losses during the year of credit recovery. Recovery of assets previously written off in the previous years is recorded as operating income during the year.

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Penghentian pengakuan aset keuangan Bank menghentikan pengakuan aset keuangan jika dan hanya jika hak kontraktual atas arus kas yang berasal dari aset keuangan berakhir, atau Bank mentransfer aset keuangan dan secara substansial mentransfer seluruh risiko dan manfaat atas kepemilikan aset kepada entitas lain. Jika Bank tidak mentransfer serta tidak memiliki secara substansial atas seluruh risiko dan manfaat kepemilikan serta masih mengendalikan aset yang ditransfer, maka Bank mengakui keterlibatan berkelanjutan atas aset yang ditransfer dan liabilitas terkait sebesar jumlah yang mungkin harus dibayar. Jika Bank memiliki secara substansial seluruh risiko dan manfaat kepemilikan aset keuangan yang ditransfer, Bank masih mengakui aset keuangan dan juga mengakui pinjaman yang dijamin sebesar pinjaman yang diterima.

Derecognition of financial assets The Bank derecognizes a financial asset only when the contractual rights to the cash flows from the asset expire, or when it transfers the financial asset and substantially all the risks and rewards of ownership of the asset to another entity. If the Bank neither transfers nor retains substantially all the risks and rewards of ownership and continues to control the transferred asset, the Bank recognizes its retained interest in the asset and an associated liability for amounts it may have to pay. If the Bank retains substantially all the risks and rewards of ownership of a transferred financial asset, the Bank continues to recognize the financial asset and also recognizes a collateralized borrowing for the proceeds received.

Penghentian pengakuan aset keuangan secara keseluruhan, selisih antara jumlah tercatat aset dan jumlah pembayaran dan piutang yang diterima dan keuntungan atau kerugian kumulatif yang telah diakui dalam penghasilan komprehensif lain dan terakumulasi dalam ekuitas diakui dalam laba rugi.

On derecognition of financial asset in its entirety, the difference between the asset’s carrying amount and the sum of the consideration received and receivable and the cumulative gain or loss that had been recognized in other comprehensive income and accumulated in equity is recognized in profit or loss.

Penghentian pengakuan aset keuangan terhadap satu bagian saja (misalnya ketika Bank masih memiliki hak untuk membeli kembali bagian aset yang ditransfer), Bank mengalokasikan jumlah tercatat sebelumnya dari aset keuangan tersebut pada bagian yang tetap diakui berdasarkan keterlibatan berkelanjutan dan bagian yang tidak lagi diakui berdasarkan nilai wajar relatif dari kedua bagian tersebut pada tanggal transfer. Selisih antara jumlah tercatat yang dialokasikan pada bagian yang tidak lagi diakui dan jumlah dari pembayaran yang diterima untuk bagian yang yang tidak lagi diakui dan setiap keuntungan atau kerugian kumulatif yang dialokasikan pada bagian yang tidak lagi diakui tersebut yang sebelumnya telah diakui dalam penghasilan komprehensif lain diakui pada laba rugi. Keuntungan dan kerugian kumulatif yang sebelumnya diakui dalam penghasilan komprehensif lain dialokasikan pada bagian yang tetap diakui dan bagian yang dihentikan pengakuannya, berdasarkan nilai wajar relatif kedua bagian tersebut.

On derecognition of financial asset other than its entirety (e.g., when the Bank retains an option to repurchase part of a transferred asset), the Bank allocates the previous carrying amount of the financial asset between the part it continues to recognize under continuing involvement, and the part it no longer recognizes on the basis of the relative fair values of those parts on the date of the transfer. The difference between the carrying amount allocated to the part that is no longer recognized and the sum of the consideration received for the part no longer recognized and any cumulative gain or loss allocated to it that had been recognized in other comprehensive income is recognized in profit or loss. A cumulative gain or loss that had been recognized in other comprehensive income is allocated between the part that continues to be recognized and the part that is no longer recognized on the basis of the relative fair values of those parts.

Aset dihapusbukukan dari cadangan kerugian penurunan nilai pada saat manajemen berpendapat bahwa aset tersebut harus dihapuskan karena secara operasional debitur sudah tidak mampu membayar dan/atau sulit untuk ditagih. Penerimaan kembali aset yang telah dihapuskan pada tahun berjalan dicatat sebagai penambahan cadangan kerugian penurunan nilai yang bersangkutan selama tahun berjalan. Penerimaan kembali aset yang telah dihapuskan pada tahun-tahun sebelumnya dicatat sebagai pendapatan operasional tahun berjalan.

Assets written off are charged to the allowance for impairment losses when management believes that they are definitely uncollectible. Recovery of assets previously written off in the current year is recorded as an addition to the allowance for impairment losses during the year of credit recovery. Recovery of assets previously written off in the previous years is recorded as operating income during the year.

PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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f. Liabilitas Keuangan dan Instrumen Ekuitas Klasifikasi sebagai liabilitas atau ekuitas Liabilitas keuangan dan instrumen ekuitas yang diterbitkan oleh Bank diklasifikasi sesuai dengan substansi perjanjian kontraktual dan definisi liabilitas keuangan dan instrumen ekuitas.

f. Financial Liabilities and Equity Instruments

Classification as debt or equity

Financial liabilities and equity instruments issued by the Bank are classified according to the substance of the contractual arrangements entered into and the definitions of a financial liability and an equity instrument.

Instrumen ekuitas Instrumen ekuitas adalah setiap kontrak yang memberikan hak residual atas aset entitas setelah dikurangi dengan seluruh liabilitasnya. Instrumen ekuitas yang diterbitkan oleh Bank dicatat sebesar hasil penerimaan bersih setelah dikurangi biaya penerbitan langsung.

Equity instruments An equity instrument is any contract that evidences a residual interest in the assets of an entity after deducting all of its liabilities. Equity instruments issued by the Bank are recorded at the proceeds received, net of direct issue costs.

Liabilitas keuangan Liabilitas keuangan diklasifikasikan sebagai FVTPL atau pada biaya perolehan diamortisasi.

Financial liabilities Financial liabilities are classified as either “at FVTPL” or “at amortized cost”.

Liabilitas keuangan yang Diukur pada Nilai Wajar melalui Laba Rugi (FVTPL) Liabilitas keuangan diklasifikasi sebagai FVTPL pada saat liabilitas keuangan baik dimiliki untuk diperdagangkan atau ditetapkan pada FVTPL.

Financial liabilities measured at fair value through profit or loss (FVTPL)

Financial liabilities are classified as at FVTPL when the financial liability is either held for trading or designated as at FVTPL.

Liabilitas keuangan dimiliki untuk diperdagangkan jika:

A financial liability is classified as held for trading if:

diperoleh terutama untuk tujuan dibeli kembali dalam waktu dekat; atau

pada pengakuan awal merupakan bagian dari portofolio instrumen keuangan tertentu yang dikelola bersama dan terdapat bukti mengenai pola ambil untung dalam jangka pendek aktual terkini; atau

merupakan derivatif yang tidak ditetapkan

dan tidak efektif sebagai instrumen lindung nilai.

it has been acquired principally for the purpose of repurchasing in the near term; or

on initial recognition it is part of an

identified portfolio of financial instruments that the entity manages together and has a recent actual pattern of short-term profit-taking; or

it is a derivative that is not designated and effective as a hedging instrument.

Liabilitas keuangan selain liabilitas keuangan yang diperdagangkan, dapat ditetapkan sebagai FVTPL pada saat pengakuan awal, jika:

A financial liability other than a financial liability held for trading may be designated as at FVTPL upon initial recognition, if:

mengeliminasi atau mengurangi secara signifikan inkonsistensi pengukuran dan pengakuan yang dapat timbul; atau

such designation eliminates or significantly reduces a measurement or recognition inconsistency that would otherwise arise; or

kelompok aset keuangan, liabilitas

keuangan atau keduanya, dikelola dan kinerjanya dievaluasi berdasarkan nilai wajar, sesuai dengan manajemen risiko atau strategi investasi yang didokumentasikan, dan informasi tentang kelompok tersebut disediakan secara internal kepada manajemen kunci entitas, misalnya direksi dan CEO.

a group of financial assets, financial liabilities or both is managed and its performance is evaluated on a fair value basis, in accordance with a documented risk management or investment strategy, and information about the group is provided internally on that basis to the entity’s key management personnel, for example the board of directors and chief executive officer.

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PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Liabilitas keuangan sebagai FVTPL yang diukur pada nilai wajar melalui laba rugi, keuntungan atau kerugian yang timbul diakui dalam laba rugi. Keuntungan atau kerugian bersih yang diakui dalam laba rugi mencakup setiap bunga yang dibayar dari liabilitas keuangan. Nilai wajar ditentukan dengan cara yang dijelaskan dalam Catatan 3i.

Financial liabilities at FVTPL are stated at fair value, with any resulting gain or loss recognized in profit or loss. The net gain or loss recognized in profit or loss incorporates any interest paid on the financial liability. Fair value is determined in the manner described in Note 3i.

Liabilitas keuangan pada biaya perolehan diamortisasi Pada saat pengakuan awal, liabilitas keuangan yang diukur pada biaya perolehan yang diamortisasi, diakui pada nilai wajarnya. Nilai wajar tersebut dikurangi biaya transaksi yang dapat diatribusikan secara langsung dengan penerbitan liabilitas keuangan tersebut. Pengukuran selanjutnya diukur pada biaya perolehan diamortisasi dengan menggunakan metode suku bunga efektif, dimana beban bunga diakui berdasarkan tingkat pengembalian yang efektif, kecuali untuk liabilitas jangka pendek dimana pengakuan bunganya tidak material.

Financial liabilities at amortized costs At initial recognition, financial liabilities measured at amortized cost are recognized at fair value. The fair value is reduced by transaction costs which are directly attributable to the issuance of such financial liabilities. Subsequently, these financial liabilities are measured at amortized cost using the effective interest method, where interest expense is recognized based on the rate of effective return, except for short-term liabilities when the recognition of interest would be immaterial.

Penghentian pengakuan liabilitas keuangan Bank menghentikan pengakuan liabilitas keuangan, jika dan hanya jika, kewajiban Bank telah dilepaskan, dibatalkan atau kadaluarsa. Selisih antara jumlah tercatat liabilitas keuangan yang dihentikan pengakuannya dan imbalan yang dibayarkan dan utang diakui dalam laba rugi.

Derecognition of financial liabilities The Bank derecognizes financial liabilities when, and only when, the Bank’s obligations are discharged, cancelled or expire. The difference between the carrying amount of the financial liability derecognized and the consideration paid and payable is recognized in profit or loss.

g. Reklasifikasi Instrumen Keuangan

g. Reclassifications of Financial Instruments

Reklasifikasi Aset Keuangan Reclassification of Financial Assets

Bank tidak diperkenankan untuk melakukan reklasifikasi aset keuangan ke kelompok aset keuangan FVTPL. Bank hanya dapat melakukan reklasifikasi aset keuangan ke kelompok pinjaman yang diberikan dan piutang jika aset keuangan tersebut memenuhi definisi pinjaman yang diberikan dan piutang dan Bank memiliki intensi dan kemampuan memiliki aset keuangan untuk masa depan yang dapat diperkirakan atau hingga jatuh tempo dari kelompok aset keuangan FVTPL atau dari kelompok tersedia untuk dijual. Aset keuangan tersebut direklasifikasi pada nilai wajar pada tanggal reklasifikasi yang menjadi biaya perolehan diamortisasi yang baru. Setiap keuntungan dan kerugian yang sudah diakui dalam laba rugi tidak boleh dipulihkan. Setiap keuntungan dan kerugian yang sudah diakui dalam penghasilan komprehensif lain diamortisasi ke laba rugi selama sisa umur aset keuangan (jika aset keuangan memiliki jatuh tempo tetap) atau tetap diakui dalam penghasilan komprehensif lain sampai aset keuangan tersebut dilepas atau dijual (jika aset keuangan tidak memiliki jatuh tempo tetap).

The Bank shall not reclassify any financial assets into FVTPL after initial recognition. The Bank only reclassifies financial assets classified as at FVTPL or available-for-sale into loans and receivables if the financial assets meet the definition of loans and receivables and the Bank has the intention and ability to hold the financial assets for the foreseeable future or until maturity. The financial assets are reclassified at fair value, on the date of reclassification which becomes its new amortized cost. Any gains or losses already recognized in profit or loss are not reversed. Any gains or losses that have been recognized in other comprehensive income are amortized through profit or loss over the remaining life of the financial assets (for financial assets that have fixed maturities) or continue to be recognized in other comprehensive income until the financial assets are sold or other wise disposed (for financial assets that do not have fixed maturities).

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Liabilitas keuangan sebagai FVTPL yang diukur pada nilai wajar melalui laba rugi, keuntungan atau kerugian yang timbul diakui dalam laba rugi. Keuntungan atau kerugian bersih yang diakui dalam laba rugi mencakup setiap bunga yang dibayar dari liabilitas keuangan. Nilai wajar ditentukan dengan cara yang dijelaskan dalam Catatan 3i.

Financial liabilities at FVTPL are stated at fair value, with any resulting gain or loss recognized in profit or loss. The net gain or loss recognized in profit or loss incorporates any interest paid on the financial liability. Fair value is determined in the manner described in Note 3i.

Liabilitas keuangan pada biaya perolehan diamortisasi Pada saat pengakuan awal, liabilitas keuangan yang diukur pada biaya perolehan yang diamortisasi, diakui pada nilai wajarnya. Nilai wajar tersebut dikurangi biaya transaksi yang dapat diatribusikan secara langsung dengan penerbitan liabilitas keuangan tersebut. Pengukuran selanjutnya diukur pada biaya perolehan diamortisasi dengan menggunakan metode suku bunga efektif, dimana beban bunga diakui berdasarkan tingkat pengembalian yang efektif, kecuali untuk liabilitas jangka pendek dimana pengakuan bunganya tidak material.

Financial liabilities at amortized costs At initial recognition, financial liabilities measured at amortized cost are recognized at fair value. The fair value is reduced by transaction costs which are directly attributable to the issuance of such financial liabilities. Subsequently, these financial liabilities are measured at amortized cost using the effective interest method, where interest expense is recognized based on the rate of effective return, except for short-term liabilities when the recognition of interest would be immaterial.

Penghentian pengakuan liabilitas keuangan Bank menghentikan pengakuan liabilitas keuangan, jika dan hanya jika, kewajiban Bank telah dilepaskan, dibatalkan atau kadaluarsa. Selisih antara jumlah tercatat liabilitas keuangan yang dihentikan pengakuannya dan imbalan yang dibayarkan dan utang diakui dalam laba rugi.

Derecognition of financial liabilities The Bank derecognizes financial liabilities when, and only when, the Bank’s obligations are discharged, cancelled or expire. The difference between the carrying amount of the financial liability derecognized and the consideration paid and payable is recognized in profit or loss.

g. Reklasifikasi Instrumen Keuangan

g. Reclassifications of Financial Instruments

Reklasifikasi Aset Keuangan Reclassification of Financial Assets

Bank tidak diperkenankan untuk melakukan reklasifikasi aset keuangan ke kelompok aset keuangan FVTPL. Bank hanya dapat melakukan reklasifikasi aset keuangan ke kelompok pinjaman yang diberikan dan piutang jika aset keuangan tersebut memenuhi definisi pinjaman yang diberikan dan piutang dan Bank memiliki intensi dan kemampuan memiliki aset keuangan untuk masa depan yang dapat diperkirakan atau hingga jatuh tempo dari kelompok aset keuangan FVTPL atau dari kelompok tersedia untuk dijual. Aset keuangan tersebut direklasifikasi pada nilai wajar pada tanggal reklasifikasi yang menjadi biaya perolehan diamortisasi yang baru. Setiap keuntungan dan kerugian yang sudah diakui dalam laba rugi tidak boleh dipulihkan. Setiap keuntungan dan kerugian yang sudah diakui dalam penghasilan komprehensif lain diamortisasi ke laba rugi selama sisa umur aset keuangan (jika aset keuangan memiliki jatuh tempo tetap) atau tetap diakui dalam penghasilan komprehensif lain sampai aset keuangan tersebut dilepas atau dijual (jika aset keuangan tidak memiliki jatuh tempo tetap).

The Bank shall not reclassify any financial assets into FVTPL after initial recognition. The Bank only reclassifies financial assets classified as at FVTPL or available-for-sale into loans and receivables if the financial assets meet the definition of loans and receivables and the Bank has the intention and ability to hold the financial assets for the foreseeable future or until maturity. The financial assets are reclassified at fair value, on the date of reclassification which becomes its new amortized cost. Any gains or losses already recognized in profit or loss are not reversed. Any gains or losses that have been recognized in other comprehensive income are amortized through profit or loss over the remaining life of the financial assets (for financial assets that have fixed maturities) or continue to be recognized in other comprehensive income until the financial assets are sold or other wise disposed (for financial assets that do not have fixed maturities).

PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Reklasifikasi Liabilitas Keuangan Reclassification of Financial Liabilities Bank tidak diperkenankan untuk mereklasifikasi liabilitas keuangan dari atau ke kelompok liabilitas keuangan FVTPL.

The Bank is not allowed to reclassify any financial liabilities from or to a group of FVTPL financial liabilities.

h. Saling Hapus Antar Aset Keuangan dan

Liabilitas Keuangan Aset keuangan dan liabilitas keuangan Bank saling hapus dan nilai bersihnya disajikan dalam laporan posisi keuangan, jika dan hanya jika: saat ini memiliki hak yang berkekuatan

hukum untuk melakukan saling hapus atas jumlah yang telah diakui tersebut; dan

h. Netting of Financial Assets and Financial Liabilities The Bank only offsets financial assets and liabilities and presents the net amount in the statement of financial position, where it:

currently has a legal enforceable right to

set-off the recognized amount; and

berniat untuk menyelesaikan secara neto

atau untuk merealisasikan aset dan menyelesaikan liabilitasnya secara simultan.

intend either to settle on a net basis, or to realize the asset and settle the liability simultaneously.

i. Nilai Wajar i. Fair Value

Nilai wajar adalah harga yang akan diterima untuk menjual suatu aset atau harga yang akan dibayar untuk mengalihkan suatu liabilitas dalam transaksi teratur antara pelaku pasar pada tanggal pengukuran tanpa memperhatikan apakah harga tersebut dapat diobservasi secara langsung atau diestimasi menggunakan teknik penilaian lain. Dalam mengukur nilai wajar atas suatu aset atau liabilitas pada tanggal pengukuran, Bank memperhitungkan karakteristik suatu aset atau liabilitas jika pelaku pasar akan memperhitungkan karakteristik tersebut ketika menentukan harga aset atau liabilitas pada tanggal pengukuran.

Fair value is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date, regardless of whether that price is directly observable or estimated using another valuation technique. In estimating the fair value of an asset or a liability, the Bank takes into account the characteristics of the asset or a liability if market participants would take those characteristics into account when pricing the asset or liability at the measurement date.

Dalam rangka konsistensi dan perbandingan dalam pengukuran nilai wajar dan pengungkapan terkait, Bank melakukan pengukuran nilai wajar atas instrumen keuangan yang dimiliki dengan hirarki berikut:

In order to increase consistency and comparability in fair value measurements and related disclosures, the Bank measures the fair value of the financial instruments held based on the following hierarchy that categorized into three levels the inputs to valuation techniques:

Tingkat 1 pengukuran nilai wajar adalah yang berasal dari harga kuotasian (tidak disesuaikan) dalam pasar aktif untuk aset atau liabilitas yang identik.

Level 1 fair value measurements are those derived from quoted prices (unadjusted) in active markets for identical assets or liabilities.

Tingkat 2 pengukuran nilai wajar adalah

yang berasal dari input selain harga kuotasian yang termasuk dalam Tingkat 1 yang dapat diobservasi untuk aset atau liabilitas, baik secara langsung (misalnya harga) atau secara tidak langsung (misalnya deviasi dari harga).

Level 2 fair value measurements are those derived from inputs other than quoted prices included within Level 1 that are observable for the assets or liability, either directly (i.e. as prices) or indirectly (i.e. derived from prices).

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PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Tingkat 3 pengukuran nilai wajar adalah yang berasal dari teknik penilaian yang mencakup input untuk aset atau liabilitas yang bukan berdasarkan data pasar yang dapat diobservasi (input yang tidak dapat diobservasi).

Level 3 fair value measurements are those derived from valuation techniques that include inputs for the asset or liability that are not based on observable market data (unobservable inputs).

j. Giro pada Bank Indonesia dan Bank Lain

Giro pada Bank Indonesia dan bank lain diklasifikasikan dalam kategori pinjaman yang diberikan dan piutang.

Pengakuan, pengukuran awal, pengukuran setelah pengakuan awal, reklasifikasi, penentuan nilai wajar, penurunan nilai dan penghentian pengakuan giro pada Bank Indonesia dan bank lain mengacu pada Catatan 3e, 3g dan 3i terkait aset keuangan.

j. Demand Deposits with Bank Indonesia and Other Banks

Demand deposits with Bank Indonesia and other banks are classified as loans and receivable.

Recognition, initial measurement, subsequent measurement, reclassification, fair value, impairment and derecognition of demand deposits with Bank Indonesia and other banks are discussed in to Notes 3e, 3g and 3i related to financial assets.

k. Penempatan pada Bank Indonesia dan Bank

Lain

Penempatan pada Bank Indonesia dan bank lain diklasifikasikan dalam kategori pinjaman yang diberikan dan piutang.

k. Placements with Bank Indonesia and Other Banks Placements with Bank Indonesia and other banks are classified as loans and receivable.

Pengakuan, pengukuran awal, pengukuran setelah pengakuan awal, reklasifikasi, penentuan nilai wajar, penurunan nilai dan penghentian pengakuan penempatan pada Bank Indonesia dan bank lain mengacu pada Catatan 3e, 3g dan 3i terkait aset keuangan.

Recognition, initial measurement, subsequent measurement, reclassification, fair value, impairment and derecognition of placements with Bank Indonesia and other banks are discussed in Notes 3e, 3g and 3i related to financial assets.

l. Efek-efek

Efek-efek diklasifikasikan dalam kategori diperdagangkan, tersedia untuk dijual dan dimiliki hingga jatuh tempo.

l. Securities

Securities are classified as held-for-trading, available-for-sale and held-to-maturity.

Pengakuan, pengukuran awal, pengukuran setelah pengukuran awal, reklasifikasi, penentuan nilai wajar, penurunan nilai dan penghentian pengakuan efek-efek mengacu pada Catatan 3e, 3g dan 3i terkait aset keuangan.

Recognition, initial measurement, subsequent measurement, reclassification, fair value, impairment and derecognition of securities are discussed in Notes 3e, 3g and 3i related to financial assets.

m. Tagihan dan Liabilitas Derivatif

Tagihan dan liabilitas derivatif diklasifikasikan dalam kategori diukur pada nilai wajar melalui laba rugi (FVTPL). Pengakuan, pengukuran awal, pengukuran setelah pengakuan awal, reklasifikasi, penentuan nilai wajar, penurunan nilai dan penghentian pengakuan tagihan dan liabilitas derivatif mengacu pada Catatan 3e, 3f, 3g dan 3i terkait aset keuangan dan liabilitas keuangan.

m. Derivative Receivables and Payables

Derivative receivables and payables are classified as at fair value through profit or loss (FVTPL). Recognition, initial measurement, subsequent measurement, reclassification, fair value, impairment and derecognition of derivative receivables and payablesare discussed in Notes 3e, 3f, 3g and 3i related through financial assets and financial liabilities.

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Tingkat 3 pengukuran nilai wajar adalah yang berasal dari teknik penilaian yang mencakup input untuk aset atau liabilitas yang bukan berdasarkan data pasar yang dapat diobservasi (input yang tidak dapat diobservasi).

Level 3 fair value measurements are those derived from valuation techniques that include inputs for the asset or liability that are not based on observable market data (unobservable inputs).

j. Giro pada Bank Indonesia dan Bank Lain

Giro pada Bank Indonesia dan bank lain diklasifikasikan dalam kategori pinjaman yang diberikan dan piutang.

Pengakuan, pengukuran awal, pengukuran setelah pengakuan awal, reklasifikasi, penentuan nilai wajar, penurunan nilai dan penghentian pengakuan giro pada Bank Indonesia dan bank lain mengacu pada Catatan 3e, 3g dan 3i terkait aset keuangan.

j. Demand Deposits with Bank Indonesia and Other Banks

Demand deposits with Bank Indonesia and other banks are classified as loans and receivable.

Recognition, initial measurement, subsequent measurement, reclassification, fair value, impairment and derecognition of demand deposits with Bank Indonesia and other banks are discussed in to Notes 3e, 3g and 3i related to financial assets.

k. Penempatan pada Bank Indonesia dan Bank

Lain

Penempatan pada Bank Indonesia dan bank lain diklasifikasikan dalam kategori pinjaman yang diberikan dan piutang.

k. Placements with Bank Indonesia and Other Banks Placements with Bank Indonesia and other banks are classified as loans and receivable.

Pengakuan, pengukuran awal, pengukuran setelah pengakuan awal, reklasifikasi, penentuan nilai wajar, penurunan nilai dan penghentian pengakuan penempatan pada Bank Indonesia dan bank lain mengacu pada Catatan 3e, 3g dan 3i terkait aset keuangan.

Recognition, initial measurement, subsequent measurement, reclassification, fair value, impairment and derecognition of placements with Bank Indonesia and other banks are discussed in Notes 3e, 3g and 3i related to financial assets.

l. Efek-efek

Efek-efek diklasifikasikan dalam kategori diperdagangkan, tersedia untuk dijual dan dimiliki hingga jatuh tempo.

l. Securities

Securities are classified as held-for-trading, available-for-sale and held-to-maturity.

Pengakuan, pengukuran awal, pengukuran setelah pengukuran awal, reklasifikasi, penentuan nilai wajar, penurunan nilai dan penghentian pengakuan efek-efek mengacu pada Catatan 3e, 3g dan 3i terkait aset keuangan.

Recognition, initial measurement, subsequent measurement, reclassification, fair value, impairment and derecognition of securities are discussed in Notes 3e, 3g and 3i related to financial assets.

m. Tagihan dan Liabilitas Derivatif

Tagihan dan liabilitas derivatif diklasifikasikan dalam kategori diukur pada nilai wajar melalui laba rugi (FVTPL). Pengakuan, pengukuran awal, pengukuran setelah pengakuan awal, reklasifikasi, penentuan nilai wajar, penurunan nilai dan penghentian pengakuan tagihan dan liabilitas derivatif mengacu pada Catatan 3e, 3f, 3g dan 3i terkait aset keuangan dan liabilitas keuangan.

m. Derivative Receivables and Payables

Derivative receivables and payables are classified as at fair value through profit or loss (FVTPL). Recognition, initial measurement, subsequent measurement, reclassification, fair value, impairment and derecognition of derivative receivables and payablesare discussed in Notes 3e, 3f, 3g and 3i related through financial assets and financial liabilities.

PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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n. Kredit

Kredit diklasifikasikan dalam kategori pinjaman yang diberikan dan piutang. Pengakuan, pengukuran awal, pengukuran setelah pengakuan awal, reklasifikasi, penentuan nilai wajar, penurunan nilai dan penghentian pengakuan kredit mengacu pada Catatan 3e, 3g dan 3i terkait aset keuangan.

n. Loans

Loans are classified as loans and receivable. Recognition, initial measurement, subsequent measurement, reclassification, fair value, impairment and derecognition of loans are discussed in Notes 3e, 3g and 3i related to financial assets.

o. Restrukturisasi Kredit Bermasalah

Restrukturisasi kredit dilakukan terhadap debitur yang tidak dapat atau diperkirakan tidak dapat memenuhi kewajiban pembayaran angsuran pokok dan/atau bunga sesuai dengan jadwal yang diperjanjikan.

o. Troubled Debt Restructuring

Restructuring performed to the debtors that are unable or are predicted not to fulfill their principal installment payment responsibilities or interest according to contractual schedule.

Kerugian yang timbul dari restrukturisasi kredit yang berkaitan dengan modifikasi persyaratan kredit diakui bila nilai sekarang dari jumlah penerimaan kas yang akan datang yang telah ditentukan dalam persyaratan kredit yang baru, termasuk penerimaan yang diperuntukkan sebagai bunga maupun pokok, adalah lebih kecil dari nilai kredit yang diberikan yang tercatat sebelum restrukturisasi seperti yang dibahas pada Catatan 3n.

Losses resulting from loan restructuring related to modification of credit terms are recognized if the present value of future cash receipts which have been determined in new loan terms, including receipts designated as interest or principal, is less than the amount of the outstanding loan before the restructuring as discussed in Note 3n.

p. Tagihan dan Liabilitas Akseptasi

p. Acceptances Receivable and Payable

Tagihan akseptasi diklasifikasikan dalam kategori pinjaman yang diberikan dan piutang. Liabilitas akseptasi dikategorikan sebagai liabilitas keuangan diukur pada biaya perolehan yang diamortisasi.

Acceptances receivable are classified as loans and receivable. Acceptances liabilities are classified as financial liabilities at amortized costs.

Pengakuan, pengukuran awal, pengukuran setelah pengakuan awal, reklasifikasi, penentuan nilai wajar, penurunan nilai dan penghentian pengakuan tagihan dan liabilitas akseptasi mengacu pada Catatan 3e, 3f, 3g dan 3i terkait aset keuangan dan liabilitas keuangan.

Recognition, initial measurement, subsequent measurement, reclassification, fair value, impairment and derecognition of acceptances receivable and payable are discussed in Notes 3e, 3f, 3g and 3i related to financial assets and financial liabilities.

q. Sewa

q. Leases

Sewa merupakan suatu perjanjian yang mana lessor memberikan kepada lessee hak untuk menggunakan aset selama periode waktu yang disepakati. Sebagai imbalannya, lessee melakukan pembayaran atau serangkaian pembayaran kepada lessor.

A lease is an agreement whereby the lessor conveys to the lessee in return for a payment or series of payments the right to use an asset for an agreed period of time.

Sewa diklasifikasikan sebagai sewa pembiayaan jika sewa tersebut mengalihkan secara substantial seluruh risiko dan manfaat yang terkait dengan kepemilikan aset. Sewa lainnya, yang tidak memenuhi kriteria tersebut, diklasifikasikan sebagai sewa operasi.

Leases are classified as finance leases whenever the terms of the lease transfer substantially all the risks and rewards of ownership to the lessee. All other leases are classified as operating leases.

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Laporan Keuangan Tahunan 2016Financial statements 2016

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PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Sebagai Lessor As Lessor

Pendapatan sewa dari sewa operasi diakui sebagai pendapatan dengan dasar garis lurus selama masa sewa. Biaya langsung awal yang terjadi dalam proses negosiasi dan pengaturan sewa operasi ditambahkan dalam jumlah tercatat dari aset sewaan dan diakui dengan dasar garis lurus selama masa sewa.

Rental income from operating leases is recognized on a straight-line basis over the term of the relevant lease. Initial direct costs incurred in negotiating and arranging an operating lease are added to the carrying amount of the leased asset and recognized on a straight-line basis over the lease term.

Sebagai Lessee

As Lessee

Pembayaran sewa operasi diakui sebagai beban dengan dasar garis lurus (straight-line basis) selama masa sewa, kecuali terdapat dasar sistematis lain yang dapat lebih mencerminkan pola waktu dari manfaat aset yang dinikmati pengguna. Rental kontijen diakui sebagai beban di dalam periode terjadinya.

Operating lease payments are recognized as an expense on a straight-line basis over the lease term, except where another systematic basis is more representative of the time pattern in which economic benefits from the leased asset are consumed. Contingent rentals arising under operating leases are recognized as an expense in the period in which they are incurred.

Dalam hal insentif diperoleh dalam sewa operasi, insentif tersebut diakui sebagai liabilitas. Keseluruhan manfaat dari insentif diakui sebagai pengurangan dari biaya sewa dengan dasar garis lurus kecuali terdapat dasar sistematis lain yang lebih mencerminkan pola waktu dari manfaat yang dinikmati pengguna.

In the event that lease incentives are received to enter into operating leases, such incentives are recognized as a liability. The aggregate benefit of incentives is recognized as a reduction of rental expense on a straight-line basis, except where another systematic basis is more representative of the time pattern in which economic benefits from the leased asset are consumed.

r. Biaya Dibayar Dimuka r. Prepaid Expenses

Biaya dibayar dimuka diamortisasi selama masa manfaat masing-masing biaya dengan menggunakan metode garis lurus.

Prepaid expenses are amortized over their beneficial periods using the straight-line method.

s. Aset Tidak Lancar yang Dimiliki Untuk

Dijual s. Non-current Assets Held for Sale

Aset tidak lancar yang dimiliki untuk dijual (atau kelompok lepasan) diklasifikasi sebagai dimiliki untuk dijual jika jumlah tercatatnya akan dipulihkan terutama melalui transaksi penjualan dari pada melalui pemakaian berlanjut. Kondisi ini dianggap memenuhi hanya ketika aset (atau kelompok lepasan) adalah berada dalam keadaan segera dapat dijual dengan syarat-syarat yang biasa dan umum diperlukan dalam penjualan aset (atau kelompok lepasan) tersebut dan penjualannya harus sangat mungkin terjadi. Manajemen harus memiliki komitmen untuk menjual dan penjualan diharapkan untuk diselesaikan dalam waktu satu tahun sejak tanggal reklasifikasi.

Non-current assets (or disposal groups) are classified as held for sale if their carrying amount will be recovered principally through a sale transaction rather than through continuing use. This condition is regarded as met only when the asset (or disposal group) is available for immediate sale in its present condition subject only to terms that are usual and customary for sales of such asset (or disposal group) and its sale is highly probable. Management must be committed to the sale, which should be expected to qualify for recognition as a completed sale within one year from the date of classification.

Aset tidak lancar (atau kelompok lepasan) diklasifikasi sebagai yang dimiliki untuk dijual diukur pada nilai yang lebih rendah antara jumlah tercatat dan nilai wajar setelah dikurangi biaya untuk menjual.

Non-current assets (or disposal groups) classified as held for sale are measured at the lower of their previous carrying amount and fair value less cost to sell.

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Sebagai Lessor As Lessor

Pendapatan sewa dari sewa operasi diakui sebagai pendapatan dengan dasar garis lurus selama masa sewa. Biaya langsung awal yang terjadi dalam proses negosiasi dan pengaturan sewa operasi ditambahkan dalam jumlah tercatat dari aset sewaan dan diakui dengan dasar garis lurus selama masa sewa.

Rental income from operating leases is recognized on a straight-line basis over the term of the relevant lease. Initial direct costs incurred in negotiating and arranging an operating lease are added to the carrying amount of the leased asset and recognized on a straight-line basis over the lease term.

Sebagai Lessee

As Lessee

Pembayaran sewa operasi diakui sebagai beban dengan dasar garis lurus (straight-line basis) selama masa sewa, kecuali terdapat dasar sistematis lain yang dapat lebih mencerminkan pola waktu dari manfaat aset yang dinikmati pengguna. Rental kontijen diakui sebagai beban di dalam periode terjadinya.

Operating lease payments are recognized as an expense on a straight-line basis over the lease term, except where another systematic basis is more representative of the time pattern in which economic benefits from the leased asset are consumed. Contingent rentals arising under operating leases are recognized as an expense in the period in which they are incurred.

Dalam hal insentif diperoleh dalam sewa operasi, insentif tersebut diakui sebagai liabilitas. Keseluruhan manfaat dari insentif diakui sebagai pengurangan dari biaya sewa dengan dasar garis lurus kecuali terdapat dasar sistematis lain yang lebih mencerminkan pola waktu dari manfaat yang dinikmati pengguna.

In the event that lease incentives are received to enter into operating leases, such incentives are recognized as a liability. The aggregate benefit of incentives is recognized as a reduction of rental expense on a straight-line basis, except where another systematic basis is more representative of the time pattern in which economic benefits from the leased asset are consumed.

r. Biaya Dibayar Dimuka r. Prepaid Expenses

Biaya dibayar dimuka diamortisasi selama masa manfaat masing-masing biaya dengan menggunakan metode garis lurus.

Prepaid expenses are amortized over their beneficial periods using the straight-line method.

s. Aset Tidak Lancar yang Dimiliki Untuk

Dijual s. Non-current Assets Held for Sale

Aset tidak lancar yang dimiliki untuk dijual (atau kelompok lepasan) diklasifikasi sebagai dimiliki untuk dijual jika jumlah tercatatnya akan dipulihkan terutama melalui transaksi penjualan dari pada melalui pemakaian berlanjut. Kondisi ini dianggap memenuhi hanya ketika aset (atau kelompok lepasan) adalah berada dalam keadaan segera dapat dijual dengan syarat-syarat yang biasa dan umum diperlukan dalam penjualan aset (atau kelompok lepasan) tersebut dan penjualannya harus sangat mungkin terjadi. Manajemen harus memiliki komitmen untuk menjual dan penjualan diharapkan untuk diselesaikan dalam waktu satu tahun sejak tanggal reklasifikasi.

Non-current assets (or disposal groups) are classified as held for sale if their carrying amount will be recovered principally through a sale transaction rather than through continuing use. This condition is regarded as met only when the asset (or disposal group) is available for immediate sale in its present condition subject only to terms that are usual and customary for sales of such asset (or disposal group) and its sale is highly probable. Management must be committed to the sale, which should be expected to qualify for recognition as a completed sale within one year from the date of classification.

Aset tidak lancar (atau kelompok lepasan) diklasifikasi sebagai yang dimiliki untuk dijual diukur pada nilai yang lebih rendah antara jumlah tercatat dan nilai wajar setelah dikurangi biaya untuk menjual.

Non-current assets (or disposal groups) classified as held for sale are measured at the lower of their previous carrying amount and fair value less cost to sell.

PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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t. Aset Tetap t. Premises and Equipment

Aset tetap yang dimiliki dicatat berdasarkan biaya perolehan setelah dikurangi akumulasi penyusutan dan akumulasi kerugian penurunan nilai.

Premises and equipment are stated at cost, less accumulated depreciation and any accumulated impairment losses.

Penyusutan diakui sebagai penghapusan biaya perolehan aset dengan menggunakan metode garis lurus (straight-line method) masing-masing dengan estimasi masa manfaat sebagai berikut:

Depreciation is recognized so as to write-off the cost of assets using the straight-line method. The estimated useful lives of the assets are as follows:

Tahun/

Years Persentase/

Percentage

Bangunan 20 5% Buildings Prasarana kantor (partisi dan renovasi kantor)

5 20% Leasehold improvements (partition and office renovation)

Kendaraan bermotor 5 20% Motor vehicles Perabotan kantor 5 20% Office furniture Peralatan kantor 5 20% Office equipment Perangkat keras komputer 5 20% Computer hardware

Masa manfaat ekonomis, nilai residu dan metode penyusutan di-review setiap akhir periode dan pengaruh dari setiap perubahan estimasi tersebut berlaku prospektif.

The estimated useful lives, residual values and depreciation method are reviewed at each period end, with the effect of any changes in estimate accounted for on a prospective basis.

Tanah dinyatakan berdasarkan biaya perolehan dan tidak disusutkan.

Land is stated at cost and is not depreciated.

Beban pemeliharaan dan perbaikan dibebankan pada laba rugi pada saat terjadinya. Biaya-biaya lain yang terjadi selanjutnya yang timbul untuk menambah, mengganti atau memperbaiki aset tetap dicatat sebagai biaya perolehan aset jika dan hanya jika besar kemungkinan manfaat ekonomis di masa depan berkenaan dengan aset tersebut akan mengalir ke entitas dan biaya perolehan aset dapat diukur secara andal.

The cost of maintenance and repairs is charged to operations as incurred. Other costs incurred subsequently to add to, replace part of, or service an item of premises and equipment, are recognized as asset if, and only if, it is probable that future economic benefits associated with the item will flow to the entity and the cost of the item can be measured reliably.

Aset tetap yang dihentikan pengakuannya atau yang dijual nilai tercatatnya dikeluarkan dari kelompok aset tetap. Keuntungan atau kerugian dari penjualan aset tetap tersebut dibukukan dalam laba rugi.

When assets are retired or otherwise disposed of, their carrying values are removed from the accounts and any resulting gain or loss is reflected in profit or loss.

Aset dalam penyelesaian dinyatakan sebesar biaya perolehan dipindahkan ke masing-masing aset tetap yang bersangkutan pada saat selesai dan siap digunakan.

Construction in progress is stated at cost and transferred to the respective property, plant and equipment account when completed and ready for use.

u. Aset Tak Berwujud u. Intangible Assets

Aset tak berwujud merupakan perangkat lunak yang dibeli oleh Bank dan dicatat sebesar biaya perolehan dikurangi akumulasi amortisasi.

Intangible assets consist of software acquired by the Bank and stated at cost less accumulated amortization.

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Laporan Keuangan Tahunan 2016Financial statements 2016

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Amortisasi diakui dalam laba rugi dengan menggunakan metode garis lurus (straight-line method) berdasarkan taksiran masa manfaat ekonomis selama 5 tahun.

Amortization is recognized in profit or loss using the straight line method based on its estimated useful life of 5 years.

Masa manfaat ekonomis, nilai residu dan metode amortisasi direview setiap akhir periode.

The estimated useful lives, residual values and amortization method are reviewed at each period end.

v. Penurunan Nilai Aset Non-keuangan

kecuali Goodwill v. Impairment of Non-financial Asset except

Goodwill Pada setiap akhir periode pelaporan, Bank menelaah nilai tercatat aset non-keuangan untuk menentukan apakah terdapat indikasi bahwa aset tersebut telah mengalami penurunan nilai. Jika terdapat indikasi tersebut, nilai yang dapat diperoleh kembali dari aset diestimasi untuk menentukan tingkat kerugian penurunan nilai (jika ada). Bila tidak memungkinkan untuk mengestimasi nilai yang dapat diperoleh kembali atas suatu aset individu, Bank mengestimasi jumlah terpulihkan dari unit penghasil kas atas aset.

At the end of each reporting period, the Bank reviews the carrying amounts of non-financial assets to determine whether there is any indication that those assets have suffered an impairment loss. If any such indication exists, the recoverable amount of the asset is estimated in order to determine the extent of the impairment loss (if any). Where it is not possible to estimate the recoverable amount of an individual asset, the Bank estimates the recoverable amount of the cash generating unit to which the asset belongs.

Estimasi jumlah terpulihkan adalah nilai tertinggi antara nilai wajar dikurangi biaya untuk pelepasan dan nilai pakainya. Dalam menilai nilai pakai, estimasi arus kas masa depan didiskontokan ke nilai kini menggunakan tingkat diskonto sebelum pajak yang menggambarkan penilaian pasar kini dari nilai waktu uang dan risiko spesifik atas aset yang mana estimasi arus kas masa depan belum disesuaikan.

Estimated recoverable amount is the higher of fair value less cost to sell and value in use. In assessing value in use, the estimated future cash flows are discounted to their present value using a pre-tax discount rate that reflects current market assessments of the time value of money and the risks specific to the asset for which the estimates of future cash flows have not been adjusted.

Jika jumlah yang terpulihkan dari aset non-keuangan (unit penghasil kas) lebih kecil dari nilai tercatatnya, nilai tercatat aset (unit penghasil kas) diturunkan menjadi sebesar nilai terpulihkan dan rugi penurunan nilai segera diakui dalam laba rugi.

If the recoverable amount of a non-financial asset (cash generating unit) is less than its carrying amount, the carrying amount of the asset (cash generating unit) is reduced to its recoverable amount and an impairment loss is recognized immediately against earnings.

w. Agunan yang Diambil Alih

Tanah dan aset lainnya (jaminan kredit yang telah diambil alih oleh Bank) disajikan dalam akun Agunan yang Diambil Alih dalam kelompok “Aset lain-lain”.

w. Foreclosed Collateral

Land and other assets (foreclosed collateral by the the Bank) are presented in the Foreclosed Collateral account under “Other assets”.

Agunan yang diambil alih diakui sebesar nilai realisasi bersih. Selisih lebih saldo kredit di atas nilai realisasi bersih dari agunan yang diambil alih, dibebankan ke dalam akun cadangan kerugian penurunan nilai.

Foreclosed properties are stated at net realizable value. The excess of loan receivable over the net realizable value of the foreclosed properties is charged against allowance for impairment losses.

Selisih antara nilai agunan yang telah diambil alih dan hasil penjualannya diakui sebagai keuntungan atau kerugian pada saat penjualan agunan.

The difference between the carrying amount of foreclosed properties and the proceeds from the sale of such properties is recorded as gain or loss at the time of sale.

Bila terjadi penurunan nilai yang bersifat permanen, maka nilai tercatatnya dikurangi untuk mengakui penurunan tersebut dan kerugiannya dibebankan pada laba rugi.

The carrying amount of foreclosed properties is written down to recognize a permanent decline in the value of the foreclosed properties, which is charged to current operations.

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 27 -

Amortisasi diakui dalam laba rugi dengan menggunakan metode garis lurus (straight-line method) berdasarkan taksiran masa manfaat ekonomis selama 5 tahun.

Amortization is recognized in profit or loss using the straight line method based on its estimated useful life of 5 years.

Masa manfaat ekonomis, nilai residu dan metode amortisasi direview setiap akhir periode.

The estimated useful lives, residual values and amortization method are reviewed at each period end.

v. Penurunan Nilai Aset Non-keuangan

kecuali Goodwill v. Impairment of Non-financial Asset except

Goodwill Pada setiap akhir periode pelaporan, Bank menelaah nilai tercatat aset non-keuangan untuk menentukan apakah terdapat indikasi bahwa aset tersebut telah mengalami penurunan nilai. Jika terdapat indikasi tersebut, nilai yang dapat diperoleh kembali dari aset diestimasi untuk menentukan tingkat kerugian penurunan nilai (jika ada). Bila tidak memungkinkan untuk mengestimasi nilai yang dapat diperoleh kembali atas suatu aset individu, Bank mengestimasi jumlah terpulihkan dari unit penghasil kas atas aset.

At the end of each reporting period, the Bank reviews the carrying amounts of non-financial assets to determine whether there is any indication that those assets have suffered an impairment loss. If any such indication exists, the recoverable amount of the asset is estimated in order to determine the extent of the impairment loss (if any). Where it is not possible to estimate the recoverable amount of an individual asset, the Bank estimates the recoverable amount of the cash generating unit to which the asset belongs.

Estimasi jumlah terpulihkan adalah nilai tertinggi antara nilai wajar dikurangi biaya untuk pelepasan dan nilai pakainya. Dalam menilai nilai pakai, estimasi arus kas masa depan didiskontokan ke nilai kini menggunakan tingkat diskonto sebelum pajak yang menggambarkan penilaian pasar kini dari nilai waktu uang dan risiko spesifik atas aset yang mana estimasi arus kas masa depan belum disesuaikan.

Estimated recoverable amount is the higher of fair value less cost to sell and value in use. In assessing value in use, the estimated future cash flows are discounted to their present value using a pre-tax discount rate that reflects current market assessments of the time value of money and the risks specific to the asset for which the estimates of future cash flows have not been adjusted.

Jika jumlah yang terpulihkan dari aset non-keuangan (unit penghasil kas) lebih kecil dari nilai tercatatnya, nilai tercatat aset (unit penghasil kas) diturunkan menjadi sebesar nilai terpulihkan dan rugi penurunan nilai segera diakui dalam laba rugi.

If the recoverable amount of a non-financial asset (cash generating unit) is less than its carrying amount, the carrying amount of the asset (cash generating unit) is reduced to its recoverable amount and an impairment loss is recognized immediately against earnings.

w. Agunan yang Diambil Alih

Tanah dan aset lainnya (jaminan kredit yang telah diambil alih oleh Bank) disajikan dalam akun Agunan yang Diambil Alih dalam kelompok “Aset lain-lain”.

w. Foreclosed Collateral

Land and other assets (foreclosed collateral by the the Bank) are presented in the Foreclosed Collateral account under “Other assets”.

Agunan yang diambil alih diakui sebesar nilai realisasi bersih. Selisih lebih saldo kredit di atas nilai realisasi bersih dari agunan yang diambil alih, dibebankan ke dalam akun cadangan kerugian penurunan nilai.

Foreclosed properties are stated at net realizable value. The excess of loan receivable over the net realizable value of the foreclosed properties is charged against allowance for impairment losses.

Selisih antara nilai agunan yang telah diambil alih dan hasil penjualannya diakui sebagai keuntungan atau kerugian pada saat penjualan agunan.

The difference between the carrying amount of foreclosed properties and the proceeds from the sale of such properties is recorded as gain or loss at the time of sale.

Bila terjadi penurunan nilai yang bersifat permanen, maka nilai tercatatnya dikurangi untuk mengakui penurunan tersebut dan kerugiannya dibebankan pada laba rugi.

The carrying amount of foreclosed properties is written down to recognize a permanent decline in the value of the foreclosed properties, which is charged to current operations.

PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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x. Liabilitias Segera Liabilitas segera merupakan liabilitas Bank kepada pihak lain yang sifatnya wajib segera dibayarkan sesuai dengan perintah pemberi amanat perjanjian yang ditetapkan sebelumnya.

x. Liabilities Payable Immediately Liabilities payable immediately represent obligation to third parties, based on contract or orders by those having authority that should be settled immediately.

Pengakuan, pengukuran awal, pengukuran setelah pengakuan awal, reklasifikasi, penentuan nilai wajar dan penghentian pengakuan liabilitas segera mengacu pada Catatan 3f, 3g dan 3i terkait liabilitas keuangan.

Recognition, initial measurement, subsequent measurement, reclassification, fair value and derecognition of liabilities payable immediately are discussed in Notes 3f, 3g and 3i related to financial liabilities.

y. Simpanan

Simpanan diklasifikasikan dalam kategori liabilitas keuangan diukur pada biaya perolehan yang diamortisasi.

y. Deposits

Deposits are classified as financial liabiities at amortized cost.

Pengakuan, pengukuran awal, pengukuran setelah pengakuan awal, reklasifikasi, penentuan nilai wajar dan penghentian pengakuan simpanan mengacu pada Catatan 3f, 3g dan 3i terkait liabilitas keuangan.

Recognition, initial measurement, subsequent measurement, reclassification, fair value and derecognition of deposits are discussed in Notes 3f, 3g and 3i related to financial liabilities.

z. Simpanan dari Bank Lain

Simpanan dari bank lain diklasifikasikan dalam kategori liabilitas keuangan diukur pada biaya perolehan yang diamortisasi.

z. Deposits from Other Banks Deposits from other banks are classified as financial liabilities at amortized cost.

Simpanan dari bank lain terdiri dari liabilitas terhadap bank lain, baik local maupun luar negeri, dalam bentuk giro, inter-bank call money dengan periode jatuh tempo menurut perjanjian kurang dari atau 90 hari, tabungan dan deposito berjangka.

Deposits from other banks represent liabilities to domestic and overseas banks, in the form of demand deposits, inter-bank call money deposits with original maturities of 90 days or less, savings deposits and time deposits.

Pengakuan, pengukuran awal, pengukuran setelah pengakuan awal, reklasifikasi, penentuan nilai wajar dan penghentian pengakuan simpanan dari bank lain mengacu pada Catatan 3f, 3g dan 3i terkait liabilitas keuangan.

Recognition, initial measurement, subsequent measurement, reclassification, fair value and derecognition of deposits from other banks are discussed in Notes 3f, 3g and 3i related to financial liabilities.

aa. Instrumen Utang dan Ekuitas yang

Diterbitkan aa. Debt and Equity Instruments Issued

Surat Berharga yang Diterbitkan Securities Issued Obligasi yang diterbitkan diklasifikasikan dalam kategori liabilitas keuangan diukur pada biaya perolehan diamortisasi.

Bonds issued are classified as financial liabilities at amortized costs.

Pengakuan, pengukuran awal, pengukuran setelah pengakuan awal, reklasifikasi, penentuan nilai wajar dan penghentian pengakuan instrumen utang dan ekuitas yang diterbitkan mengacu pada Catatan 3f, 3g dan 3i terkait liabilitas keuangan.

Recognition, initial measurement, subsequent measurement, reclassification, fair value and derecognition of debt and equity instrumentare discussed in Notes 3f, 3g and 3i related to financial liabilities.

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Biaya Emisi Saham

Share Issuance Costs

Biaya emisi saham yang menambah dan beratribusi secara langsung terhadap penerbitan saham baru disajikan sebagai bagian dari tambahan modal disetor dan tidak diamortisasi.

Share issuance costs that are incremental and directly attributable to issuance of new shares are deducted from additional paid-in capital and are not amortized.

bb. Efek yang Dijual dengan Janji Dibeli

Kembali

bb. Securities Sold with Agreements to Repurchase

Efek yang dijual dengan janji dibeli kembali (repo) diklasifikasikan dalam kategori liabililtas keuangan diukur pada biaya perolehan yang diamortisasi.

Securities sold with agreements to repurchase (repo) are classified as financial liabilities at amortized costs.

Efek-efek yang dijual dengan janji dibeli kembali (repo) disajikan sebagai liabilitas sebesar harga pembelian kembali yang disepakati dikurangi selisih antara harga jual dan harga pembelian kembali yang disepakati. Selisih antara harga jual dan harga pembelian kembali yang disepakati tersebut diamortisasi dengan menggunakan metode suku bunga efektif sebagai beban bunga selama jangka waktu sejak efek-efek tersebut dijual hingga saat dibeli kembali.

Securities sold under repurchase agreements (repo) are presented as liabilities and stated at the agreed repurchase price less the difference between the selling price and agreed repurchase price. The difference between the selling price and agreed repurchase price is amortized using effective interest method as interest expense over the year commencing from the selling date to the repurchase date.

Pengakuan, pengukuran awal, pengukuran setelah pengakuan awal, reklasifikasi, penentuan nilai wajar dan penghentian pengakuan efek yang dijual dengan janji dibeli kembali mengacu pada Catatan 3f, 3g dan 3i terkait liabilitas keuangan.

Recognition, initial measurement, subsequent measurement, reclassification, fair value and derecognition of securities sold with agreements to repurchase refer to Notes 3f, 3g and 3i related to financial liabilities.

cc. Pengakuan Pendapatan dan Beban Bunga

Pendapatan dan beban bunga diakui secara akrual menggunakan metode suku bunga efektif (Catatan 3e dan 3f).

cc. Recognition of Interest Revenues and Expenses

Interest income and expenses are recognized on an accrual basis using the effective interest method (Notes 3e and 3f).

Pendapatan kredit yang mengalami penurunan nilai dihitung menggunakan suku bunga efektif atas dasar nilai kredit setelah memperhitungkan kerugian penurunan nilai.

Interest income from impaired loans are computed using the effective interest method based on the amount of loan, net of impairment loss.

Pendapatan dan beban bunga yang diakui dalam laporan keuangan termasuk: Bunga pada aset dan liabilitas keuangan

pada biaya perolehan diamortisasi yang dihitung menggunakan suku bunga efektif.

Interest income and expense recognized in the financial statements include:

Interest on financial assets and liabilities

measured at amortized cost using the effective interest method.

Bunga pada instrumen sekuritas investasi tersedia untuk dijual dihitung menggunakan suku bunga efektif.

Interest on available-for-sale investment securities is computed using the effective interest method.

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Biaya Emisi Saham

Share Issuance Costs

Biaya emisi saham yang menambah dan beratribusi secara langsung terhadap penerbitan saham baru disajikan sebagai bagian dari tambahan modal disetor dan tidak diamortisasi.

Share issuance costs that are incremental and directly attributable to issuance of new shares are deducted from additional paid-in capital and are not amortized.

bb. Efek yang Dijual dengan Janji Dibeli

Kembali

bb. Securities Sold with Agreements to Repurchase

Efek yang dijual dengan janji dibeli kembali (repo) diklasifikasikan dalam kategori liabililtas keuangan diukur pada biaya perolehan yang diamortisasi.

Securities sold with agreements to repurchase (repo) are classified as financial liabilities at amortized costs.

Efek-efek yang dijual dengan janji dibeli kembali (repo) disajikan sebagai liabilitas sebesar harga pembelian kembali yang disepakati dikurangi selisih antara harga jual dan harga pembelian kembali yang disepakati. Selisih antara harga jual dan harga pembelian kembali yang disepakati tersebut diamortisasi dengan menggunakan metode suku bunga efektif sebagai beban bunga selama jangka waktu sejak efek-efek tersebut dijual hingga saat dibeli kembali.

Securities sold under repurchase agreements (repo) are presented as liabilities and stated at the agreed repurchase price less the difference between the selling price and agreed repurchase price. The difference between the selling price and agreed repurchase price is amortized using effective interest method as interest expense over the year commencing from the selling date to the repurchase date.

Pengakuan, pengukuran awal, pengukuran setelah pengakuan awal, reklasifikasi, penentuan nilai wajar dan penghentian pengakuan efek yang dijual dengan janji dibeli kembali mengacu pada Catatan 3f, 3g dan 3i terkait liabilitas keuangan.

Recognition, initial measurement, subsequent measurement, reclassification, fair value and derecognition of securities sold with agreements to repurchase refer to Notes 3f, 3g and 3i related to financial liabilities.

cc. Pengakuan Pendapatan dan Beban Bunga

Pendapatan dan beban bunga diakui secara akrual menggunakan metode suku bunga efektif (Catatan 3e dan 3f).

cc. Recognition of Interest Revenues and Expenses

Interest income and expenses are recognized on an accrual basis using the effective interest method (Notes 3e and 3f).

Pendapatan kredit yang mengalami penurunan nilai dihitung menggunakan suku bunga efektif atas dasar nilai kredit setelah memperhitungkan kerugian penurunan nilai.

Interest income from impaired loans are computed using the effective interest method based on the amount of loan, net of impairment loss.

Pendapatan dan beban bunga yang diakui dalam laporan keuangan termasuk: Bunga pada aset dan liabilitas keuangan

pada biaya perolehan diamortisasi yang dihitung menggunakan suku bunga efektif.

Interest income and expense recognized in the financial statements include:

Interest on financial assets and liabilities

measured at amortized cost using the effective interest method.

Bunga pada instrumen sekuritas investasi tersedia untuk dijual dihitung menggunakan suku bunga efektif.

Interest on available-for-sale investment securities is computed using the effective interest method.

PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Perubahan nilai wajar pada efek-efek yang diklasifikasikan sebagai diperdagangkan diukur pada nilai wajar pada laba rugi dan derivatif lainnya yang digunakan untuk kepentingan manajemen risiko, dan aset dan liabilitas keuangan lainnya yang diukur pada nilai wajar melalui laba rugi, akan mempengaruhi laporan laba rugi dan penghasilan komprehensif lain.

Changes in fair value of trading securities measured at fair value through profit or loss and other derivatives used for risk management purposes, and other financial assets and liabilities measured at fair value through profit and loss will affect the statement of profit loss and other comprehensive income.

dd. Pengakuan Pendapatan dan Beban Provisi dan Komisi

Pendapatan provisi dan komisi yang berkaitan langsung dengan kegiatan perkreditan atau jangka waktu tertentu yang jumlahnya signifikan ditangguhkan dan diamortisasi sesuai dengan jangka waktunya dengan menggunakan metode suku bunga efektif.

dd. Recognition of Revenues and Expenses on Commissions and Fees

Commissions and fees income related to loan activities or specific terms and with significant amounts are treated as deferred transaction costs which are directly attributable to the financial instruments and amortized over the periods of the related financial instruments using the effective interest method.

Provisi dan komisi yang tidak berkaitan dengan kegiatan perkreditan atau pinjaman dan jangka waktu tertentu atau nilainya tidak material menurut Bank diakui sebagai pendapatan atau beban pada saat terjadinya transaksi.

Commissions and fees, which are not related to loan activities and terms of the loan or whose amount is not material according to the Bank’s policies are recognized as revenues or expenses at the time the transactions are made.

ee. Program Pensiun dan Imbalan Pasca Kerja

Lainnya

ee. Pension plan and Other Post- employment Benefits

Program Iuran Pasti Defined Contribution Plan Pembayaran kepada program dana pensiun pasti dibebankan pada saat jatuh tempo. Pembayaran kepada program dana pensiun didasarkan pada iuran pasti tertentu yang ditentukan program.

Payments made to defined contribution plan are charged as an expense as they fall due. Payments made to pension plan are dealt with as payments to defined contribution plan.

Program Imbalan Pasti Defined Benefits Plan Bank juga memberikan imbalan pasca kerja imbalan pasti untuk karyawan sesuai dengan Undang-undang Ketenagakerjaan No. 13/2003. Tidak terdapat pendanaan yang disisihkan sehubungan dengan imbalan pasca-kerja ini.

In addition, the Bank provides defined benefit post-employment benefits to its employees in accordance with Labor Law No. 13/2003. No funding has been made to this post-employment benefits.

Biaya penyediaan imbalan ditentukan dengan menggunakan metode projected unit credit dengan penilaian aktuaria yang dilakukan pada setiap akhir periode pelaporan tahunan. Pengukuran kembali, terdiri dari keuntungan dan kerugian aktuarial, perubahan dampak batas atas aset (jika ada) dan dari imbal hasil atas aset program (tidak termasuk bunga), yang tercermin langsung dalam laporan posisi keuangan yang dibebankan atau dikreditkan dalam penghasilan komprehensif lain periode terjadinya. Pengukuran kembali diakui dalam penghasilan komprehensif lain dan disajikan sebagai pos terpisah pada ekuitas dan tidak akan direklas ke laba rugi. Biaya jasa lalu diakui dalam laba rugi pada periode amandemen program. Bunga neto dihitung dengan mengalikan tingkat diskonto pada awal periode imbalan pasti dengan liabilitas atau aset imbalan pasti neto. Biaya imbalan pasti dikategorikan sebagai berikut:

The cost of providing benefits is determined using the projected unit credit method, with actuarial valuations being carried out at the end of each annual reporting period. Remeasurement, comprising actuarial gains and losses, the effect of the changes to the asset ceiling (if applicable) and the return on plan assets (excluding interest), is reflected immediately in the statement of financial position with a charge or credit recognized in other comprehensive income in the period in which they occur. Remeasurement recognised in other comprehensive income is reflected as a separate item under other comprehensive income in equity and will not reclassified to profit or loss. Past service cost is recognised in profit or loss in the period of a plan amendment. Net interest is calculated by applying the discount rate at the beginning of the period to the net defined benefit liability or asset. Defined benefit costs are categorised as follows:

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PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Biaya jasa (termasuk biaya jasa kini, biaya jasa lalu serta keuntungan dan kerugian kurtailmen dan penyelesaian)

Service cost (including current service cost, past service cost, as well as gains and losses on curtailments and settlements)

Beban atau pendapatan bunga neto Net interest expense or income Pengukuran kembali Remeasurement

Bank menyajikan dua komponen pertama dari biaya imbalan pasti di laba rugi. Keuntungan dan kerugian kurtailmen dicatat sebagai biaya jasa lalu.

The Bank presents the first two components of defined benefit costs in profit or loss. Curtailment gains and losses are accounted for as past service costs.

Liabilitas imbalan pensiun yang diakui pada laporan posisi keuangan merupakan defisit atau surplus aktual dalam program imbalan pasti Bank. Surplus yang dihasilkan dari perhitungan ini terbatas pada nilai kini manfaat ekonomik yang tersedia dalam bentuk pengembalian dana program dan pengurangan iuran masa depan ke program.

The retirement benefit obligation recognised in the statements of financial position represents the actual deficit or surplus in the Bank’s defined benefit plans. Any surplus resulting from this calculation is limited to the present value of any economic benefits available in the form of refunds from the plans or reductions in future contributions to the plans.

Liabilitas untuk pesangon diakui pada lebih awal ketika entitas tidak dapat lagi menarik tawaran imbalan tersebut dan ketika entitas mengakui biaya restrukturisasi terkait.

A liability for a termination benefit is recognised at the earlier of when the entity can no longer withdraw the offer of the termination benefit and when the entity recognises any related restructuring costs.

Imbalan kerja jangka panjang lainnya Bank memberikan penghargaan masa kerja kepada karyawan yang memenuhi persyaratan. Perhitungan imbalan kerja jangka panjang lainnya ditentukan dengan menggunakan metode Projected Unit Credit. Jumlah diakui sebagai provisi untuk imbalan kerja jangka panjang lainnya di laporan posisi keuangan adalah nilai kini kewajiban imbalan pasti.

Other long-term benefits The Bank also provides long service award for all qualified employees. The cost of providing other long-term benefits is determined using the Projected Unit Credit Method. The provision for long-term employee benefits recognized in the statements of financial position represents the present value of the defined benefits obligation.

ff. Pajak Penghasilan

ff. Income Tax

Pajak saat terutang berdasarkan laba kena pajak untuk suatu tahun. Laba kena pajak berbeda dari laba sebelum pajak seperti yang dilaporkan dalam laporan laba rugi dan penghasilan komprehensif lain karena pos pendapatan atau beban yang dikenakan pajak atau dikurangkan pada tahun berbeda dan pos-pos yang tidak pernah dikenakan pajak atau tidak dapat dikurangkan.

The tax currently payable is based on taxable profit for the year. Taxable profit differs from profit before tax as reported in the statements of profit or loss and other comprehensive income because of items of income or expense that are taxable or deductible in other years and items that are never taxable or deductible.

Beban pajak kini ditentukan berdasarkan laba kena pajak dalam periode yang bersangkutan yang dihitung berdasarkan tarif pajak yang berlaku.

Current tax expense is determined based on the taxable income for the year computed using prevailing tax rates.

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Biaya jasa (termasuk biaya jasa kini, biaya jasa lalu serta keuntungan dan kerugian kurtailmen dan penyelesaian)

Service cost (including current service cost, past service cost, as well as gains and losses on curtailments and settlements)

Beban atau pendapatan bunga neto Net interest expense or income Pengukuran kembali Remeasurement

Bank menyajikan dua komponen pertama dari biaya imbalan pasti di laba rugi. Keuntungan dan kerugian kurtailmen dicatat sebagai biaya jasa lalu.

The Bank presents the first two components of defined benefit costs in profit or loss. Curtailment gains and losses are accounted for as past service costs.

Liabilitas imbalan pensiun yang diakui pada laporan posisi keuangan merupakan defisit atau surplus aktual dalam program imbalan pasti Bank. Surplus yang dihasilkan dari perhitungan ini terbatas pada nilai kini manfaat ekonomik yang tersedia dalam bentuk pengembalian dana program dan pengurangan iuran masa depan ke program.

The retirement benefit obligation recognised in the statements of financial position represents the actual deficit or surplus in the Bank’s defined benefit plans. Any surplus resulting from this calculation is limited to the present value of any economic benefits available in the form of refunds from the plans or reductions in future contributions to the plans.

Liabilitas untuk pesangon diakui pada lebih awal ketika entitas tidak dapat lagi menarik tawaran imbalan tersebut dan ketika entitas mengakui biaya restrukturisasi terkait.

A liability for a termination benefit is recognised at the earlier of when the entity can no longer withdraw the offer of the termination benefit and when the entity recognises any related restructuring costs.

Imbalan kerja jangka panjang lainnya Bank memberikan penghargaan masa kerja kepada karyawan yang memenuhi persyaratan. Perhitungan imbalan kerja jangka panjang lainnya ditentukan dengan menggunakan metode Projected Unit Credit. Jumlah diakui sebagai provisi untuk imbalan kerja jangka panjang lainnya di laporan posisi keuangan adalah nilai kini kewajiban imbalan pasti.

Other long-term benefits The Bank also provides long service award for all qualified employees. The cost of providing other long-term benefits is determined using the Projected Unit Credit Method. The provision for long-term employee benefits recognized in the statements of financial position represents the present value of the defined benefits obligation.

ff. Pajak Penghasilan

ff. Income Tax

Pajak saat terutang berdasarkan laba kena pajak untuk suatu tahun. Laba kena pajak berbeda dari laba sebelum pajak seperti yang dilaporkan dalam laporan laba rugi dan penghasilan komprehensif lain karena pos pendapatan atau beban yang dikenakan pajak atau dikurangkan pada tahun berbeda dan pos-pos yang tidak pernah dikenakan pajak atau tidak dapat dikurangkan.

The tax currently payable is based on taxable profit for the year. Taxable profit differs from profit before tax as reported in the statements of profit or loss and other comprehensive income because of items of income or expense that are taxable or deductible in other years and items that are never taxable or deductible.

Beban pajak kini ditentukan berdasarkan laba kena pajak dalam periode yang bersangkutan yang dihitung berdasarkan tarif pajak yang berlaku.

Current tax expense is determined based on the taxable income for the year computed using prevailing tax rates.

PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Pajak tangguhan diakui atas perbedaan temporer antara jumlah tercatat aset dan liabilitas dalam laporan keuangan dengan dasar pengenaan pajak yang digunakan dalam perhitungan laba kena pajak. Liabilitas pajak tangguhan umumnya diakui untuk seluruh perbedaan temporer kena pajak. Aset pajak tangguhan umumnya diakui untuk seluruh perbedaan temporer yang dapat dikurangkan sepanjang kemungkinan besar bahwa laba kena pajak akan tersedia sehingga perbedaan temporer dapat dimanfaatkan. Aset dan liabilitas pajak tangguhan tidak diakui jika perbedaan temporer timbul dari pengakuan awal dari aset dan liabilitas suatu transaksi yang tidak mempengaruhi laba kena pajak atau laba akuntansi.

Deferred tax is recognized on temporary differences between the carrying amounts of assets and liabilities in the financial statements and the corresponding tax bases used in the computation of taxable profit. Deferred tax liabilities are generally recognized for all taxable temporary differences. Deferred tax assets are generally recognized for all deductible temporary differences to the extent that is probable that taxable profits will be available against which those deductible temporary differences can be utilized. Such deferred tax assets and liabilities are not recognized if the temporary differences arises from the initial recognition of assets and liabilities in a transaction that affects neither the taxable profit nor the accounting profit.

Aset dan liabilitas pajak tangguhan diukur dengan menggunakan tarif pajak yang diharapkan berlaku dalam periode ketika liabilitas diselesaikan atau aset dipulihkan dengan tarif pajak (dan peraturan pajak) yang telah berlaku atau secara substantif telah berlaku pada akhir periode pelaporan.

Deferred tax assets and liabilities are measured at the tax rates that are expected to apply in the period in which the liability is settled or the asset realized, based on the tax rates (and tax laws) that have been enacted, or substantively enacted, by the end of the reporting period.

Pengukuran aset dan liabilitas pajak tangguhan mencerminkan konsekuensi pajak yang sesuai dengan cara Bank memperkirakan, pada akhir periode pelaporan, untuk memulihkan atau menyelesaikan jumlah tercatat aset dan liabilitasnya.

The measurement of deferred tax assets and liabilities reflects the consequences that would follow from the manner in which the Bank expects, at the end of the reporting period, to recover or settle the carrying amount of their assets and liabilities.

Untuk tujuan pengukuran liabilitas pajak tangguhan dan aset pajak tangguhan untuk properti investasi yang diukur dengan menggunakan model nilai wajar, nilai tercatat properti tersebut dianggap dipulihkan seluruhnya melalui penjualan, kecuali praduga tersebut dibantah. Praduga tersebut dibantah ketika properti investasi dapat disusutkan dan dimiliki dalam model bisnis yang bertujuan untuk mengonsumsi secara substansial seluruh manfaat ekonomi atas investasi properti dari waktu ke waktu, bukan melalui penjualan. Direksi Bank mereviu portofolio properti investasi Bank dan menyimpulkan bahwa tidak ada properti investasi Bank yang dimiliki dalam model bisnis yang bertujuan untuk mengonsumsi secara substansial seluruh manfaat ekonomik atas investasi properti dari waktu ke waktu, bukan melalui penjualan. Oleh karena itu, direksi telah menentukan bahwa praduga penjualan yang ditetapkan dalam amandemen PSAK 46 tidak dibantah. Akibatnya, Bank tidak mengakui pajak tangguhan atas perubahan nilai wajar properti investasi karena Bank tidak dikenakan pajak penghasilan atas perubahan nilai wajar properti investasi.

For the purposes of measuring deferred tax liabilities and deferred tax assets for investment properties that are measured using the fair value model, the carrying amounts of such properties are presumed to be recovered entirely through sale, unless the presumption is rebutted. The presumption is rebutted when the investment property is depreciable and is held within a business model whose objective is to consume substantially all of the economic benefits embodied in the investment property over time, rather than through sale. The directors of the Bank reviewed the Bank’s investment property portfolios and concluded that none of the Bank’s investment properties are held under a business model whose objective is to consume substantially all of the economic benefits embodied in the investment properties over time, rather than through sale. Therefore, the directors have determined that the sale presumption set out in the amendments to PSAK 46 is not rebutted. As a result, the Bank has not recognized any deferred taxes on changes in fair value of the investment properties as the Bank is not subject to any income taxes on the fair value changes of the investment properties.

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Laporan Keuangan Tahunan 2016Financial statements 2016

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 33 -

Jumlah tercatat aset pajak tangguhan ditelaah ulang pada akhir periode pelaporan dan dikurangi jumlah tercatatnya jika kemungkinan besar laba kena pajak tidak lagi tersedia dalam jumlah yang memadai untuk mengkompensasikan sebagian atau seluruh aset pajak tangguhan tersebut.

The carrying amount of deferred tax asset is reviewed at the end of each reporting period and reduced to the extent that it is no longer probable that sufficient taxable profits will be available to allow all or part of the asset to be recovered.

Pajak kini dan pajak tangguhan diakui sebagai beban atau penghasilan dalam laba rugi, kecuali sepanjang pajak penghasilan yang berasal dari transaksi atau kejadian yang diakui, diluar laba rugi (baik dalam penghasilan komprehensif lain maupun secara langsung di ekuitas), dalam hal tersebut pajak juga diakui di luar laba rugi atau yang timbul dari akuntansi awal kombinasi bisnis. Dalam kombinasi bisnis, pengaruh pajak termasuk dalam akuntansi kombinasi bisnis.

Current and deferred tax are recognized as an expense or income in profit or loss, except when they relate to items that are recognized outside of profit or loss (whether in other comprehensive income or directly in equity), in which case the tax is also recognized outside of profit or loss, or where they arise from the initial accounting for a business combination. In the case of a business combination, the tax effect is included in the accounting for the business combination.

Aset dan liabilitas pajak tangguhan saling hapus ketika entitas memiliki hak yang dapat dipaksakan secara hukum untuk melakukan saling hapus aset pajak kini terhadap liabilitas pajak kini dan ketika aset pajak tangguhan dan liabilitas pajak tangguhan terkait dengan pajak penghasilan yang dikenakan oleh otoritas perpajakan yang sama atas entitas kena pajak yang sama atau entitas kena pajak yang berbeda yang memiliki intensi untuk memulihkan aset dan liabilitas pajak kini dengan dasar neto, atau merealisasikan aset dan menyelesaikan liabilitas secara bersamaan, pada setiap periode masa depan dimana jumlah signifikan atas aset atau liabilitas pajak tangguhan diharapkan untuk diselesaikan atau dipulihkan.

Deferred tax assets and liabilities are offset when there is legally enforceable right to set off current tax assets against current tax liabilities and when they relate to income taxes levied by the same taxation authority on either the same taxable entity or different taxable entities when there is an intention to settle its current tax assets and current tax liabilities on a net basis, or to realize the assets and settle the liabilities simultaneously, in each future period in which significant amounts of deferred tax liabilities or assets are expected to be settled or recovered.

gg. Laba per Saham

Laba per saham dasar dihitung dengan membagi laba bersih yang diatribusikan kepada pemilik entitas induk dengan jumlah rata-rata tertimbang saham yang beredar pada periode yang bersangkutan.

gg. Earnings per Share

Basic earnings per share is computed by dividing net income attributable to the owners of the entity by the weighted average number of shares outstanding during the period.

Laba per saham dilusian dihitung dengan membagi laba bersih yang diatribusikan kepada pemilik entitas induk dengan jumlah rata-rata tertimbang saham biasa yang telah disesuaikan dengan dampak dari semua efek berpotensi saham biasa yang dilutif.

Diluted earnings per share is computed by dividing net income attributable to the owners of the entity by the weighted average number of shares outstanding as adjusted for the effects of all dilutive potential ordinary shares.

hh. Informasi Segmen Informasi segmen diidentifikasi berdasarkan laporan internal mengenai komponen dari Bank yang secara regular direviu oleh “pengambil keputusan operasional” dalam rangka mengalokasikan sumber daya dan menilai kinerja informasi segmen.

hh. Segment Information Segment informations are identified on the basis of internal reports about components of the Bank that are regularly reviewed by the chief operating decision maker in order to allocate resources to the segments and to assess their performances.

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Jumlah tercatat aset pajak tangguhan ditelaah ulang pada akhir periode pelaporan dan dikurangi jumlah tercatatnya jika kemungkinan besar laba kena pajak tidak lagi tersedia dalam jumlah yang memadai untuk mengkompensasikan sebagian atau seluruh aset pajak tangguhan tersebut.

The carrying amount of deferred tax asset is reviewed at the end of each reporting period and reduced to the extent that it is no longer probable that sufficient taxable profits will be available to allow all or part of the asset to be recovered.

Pajak kini dan pajak tangguhan diakui sebagai beban atau penghasilan dalam laba rugi, kecuali sepanjang pajak penghasilan yang berasal dari transaksi atau kejadian yang diakui, diluar laba rugi (baik dalam penghasilan komprehensif lain maupun secara langsung di ekuitas), dalam hal tersebut pajak juga diakui di luar laba rugi atau yang timbul dari akuntansi awal kombinasi bisnis. Dalam kombinasi bisnis, pengaruh pajak termasuk dalam akuntansi kombinasi bisnis.

Current and deferred tax are recognized as an expense or income in profit or loss, except when they relate to items that are recognized outside of profit or loss (whether in other comprehensive income or directly in equity), in which case the tax is also recognized outside of profit or loss, or where they arise from the initial accounting for a business combination. In the case of a business combination, the tax effect is included in the accounting for the business combination.

Aset dan liabilitas pajak tangguhan saling hapus ketika entitas memiliki hak yang dapat dipaksakan secara hukum untuk melakukan saling hapus aset pajak kini terhadap liabilitas pajak kini dan ketika aset pajak tangguhan dan liabilitas pajak tangguhan terkait dengan pajak penghasilan yang dikenakan oleh otoritas perpajakan yang sama atas entitas kena pajak yang sama atau entitas kena pajak yang berbeda yang memiliki intensi untuk memulihkan aset dan liabilitas pajak kini dengan dasar neto, atau merealisasikan aset dan menyelesaikan liabilitas secara bersamaan, pada setiap periode masa depan dimana jumlah signifikan atas aset atau liabilitas pajak tangguhan diharapkan untuk diselesaikan atau dipulihkan.

Deferred tax assets and liabilities are offset when there is legally enforceable right to set off current tax assets against current tax liabilities and when they relate to income taxes levied by the same taxation authority on either the same taxable entity or different taxable entities when there is an intention to settle its current tax assets and current tax liabilities on a net basis, or to realize the assets and settle the liabilities simultaneously, in each future period in which significant amounts of deferred tax liabilities or assets are expected to be settled or recovered.

gg. Laba per Saham

Laba per saham dasar dihitung dengan membagi laba bersih yang diatribusikan kepada pemilik entitas induk dengan jumlah rata-rata tertimbang saham yang beredar pada periode yang bersangkutan.

gg. Earnings per Share

Basic earnings per share is computed by dividing net income attributable to the owners of the entity by the weighted average number of shares outstanding during the period.

Laba per saham dilusian dihitung dengan membagi laba bersih yang diatribusikan kepada pemilik entitas induk dengan jumlah rata-rata tertimbang saham biasa yang telah disesuaikan dengan dampak dari semua efek berpotensi saham biasa yang dilutif.

Diluted earnings per share is computed by dividing net income attributable to the owners of the entity by the weighted average number of shares outstanding as adjusted for the effects of all dilutive potential ordinary shares.

hh. Informasi Segmen Informasi segmen diidentifikasi berdasarkan laporan internal mengenai komponen dari Bank yang secara regular direviu oleh “pengambil keputusan operasional” dalam rangka mengalokasikan sumber daya dan menilai kinerja informasi segmen.

hh. Segment Information Segment informations are identified on the basis of internal reports about components of the Bank that are regularly reviewed by the chief operating decision maker in order to allocate resources to the segments and to assess their performances.

PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Informasi segmen adalah suatu komponen dari entitas: a) yang terlibat dalam aktivitas bisnis yang

mana memperoleh pendapatan dan menimbulkan beban (termasuk pendapatan dan beban terkait dengan transaksi dengan komponen lain dari entitas yang sama);

A segment information is a component of an entity: a) that engages in business activities from

which it may earn revenues and incur expenses (including revenues and expenses relating to the transactions with other components of the same entity);

b) yang hasil operasinya dikaji ulang secara

regular oleh pengambil keputusan operasional untuk membuat keputusan tentang sumber daya yang dialokasikan pada segmen tersebut dan menilai kinerjanya; dan

b) whose operating results are reviewed regularly by the entity’s chief operating decision maker to make decision about resources to be allocated to the segments and assess its performance; and

c) dimana tersedia informasi keuangan yang

dapat dipisahkan.

c) for which discrete financial information is available.

Informasi yang digunakan oleh pengambil keputusan operasional dalam rangka alokasi sumber daya dan penilaian kinerja mereka terfokus pada kategori dari setiap produk.

Information reported to the chief operating decision maker for the purpose of resources allocation and assessment of performance is more specifically focused on the category of each product.

4. PERTIMBANGAN KRITIS AKUNTANSI DAN ESTIMASI AKUNTANSI YANG SIGNIFIKAN

4. CRITICAL ACCOUNTING JUDGMENTS AND ESTIMATES

Dalam penerapan kebijakan akuntansi Bank, yang dijelaskan dalam Catatan 3, manajemen diwajibkan untuk membuat pertimbangan, estimasi dan asumsi tentang jumlah tercatat aset dan liabilitas yang tidak tersedia dari sumber lain. Estimasi dan asumsi yang terkait didasarkan pada pengalaman historis dan faktor-faktor lain yang dianggap relevan. Hasil aktualnya mungkin berbeda dari estimasi tersebut.

In the application of the Bank accounting policies, which are described in Note 3, the management is required to make judgments, estimates and assumptions about the carrying amounts of assets and liabilities that are not readily apparent from other sources. The estimates and associated assumptions are based on historical experience and other factors that are considered to be relevant. Actual results may differ from these estimates.

Estimasi dan asumsi yang mendasari ditelaah secara berkelanjutan. Revisi estimasi akuntansi diakui dalam periode yang estimasi tersebut direvisi jika revisi hanya mempengaruhi periode tersebut, atau pada periode revisi dan periode masa depan jika revisi mempengaruhi periode saat ini dan masa depan.

The estimates and underlying assumptions are reviewed on an ongoing basis. Revisions to accounting estimates are recognized in the period which the estimates is revised if the revision affects only that period, or in the period of the revision and future periods if the revision affects both current and future periods.

Pertimbangan Kritis dalam Penerapan Kebijakan Akuntansi

Critical Judgments in Applying Accounting Policies

Di bawah ini adalah pertimbangan kritis, selain dari estimasi yang telah diatur, dimana manajemen telah membuat suatu proses penerapan kebijakan akuntansi Bank dan memiliki pengaruh paling signifikan terhadap jumlah yang diakui dalam laporan keuangan.

Below are the critical judgments, apart from those involving estimations, that the managements have made in the process of applying the Bank’s accounting policies and that have the most significant effect on the amounts recognized in the financial statements.

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 35 -

Aset Keuangan Dimiliki hingga Jatuh Tempo Held-to-maturity (HTM) Financial Assets Klasifikasi atas aset keuangan dimiliki hingga jatuh tempo memerlukan pertimbangan yang signifikan. Dalam membuat pertimbangan tersebut, Bank mengevaluasi tujuan dan kemampuan untuk memiliki suatu investasi hingga jatuh tempo. Jika Bank tidak dapat menjaga investasinya hingga jatuh tempo selain dalam kondisi tertentu contohnya, menjual sekuritas dengan nilai tidak signifikan pada waktu yang mendekati jatuh tempo - hal ini mengharuskan reklasifikasi seluruh portofolio menjadi investasi tersedia untuk dijual. Investasi tersebut selanjutnya akan diukur pada nilai wajar dan bukan pada biaya perolehan diamortisasi.

The classificiation to HTM financial assets requires significant judgment. In making this judgment, the Bank evaluates its intention and ability to hold such investments to maturity. If the Bank fails to keep these investments to maturity other than in certain specific circumstances for example, selling an insignificant amount close to maturity it will be required to reclasify the entire portfolio as AFS investments. The investments would therefore measured at fair value and not at amortized cost.

Jumlah tercatat atas sekuritas dimiliki hingga jatuh tempo diungkapkan dalam Catatan 9.

The carrying amount of HTM is disclosed in Note 9.

Sumber Estimasi Ketidakpastian Key Sources of Estimation Uncertainty Asumsi utama mengenai masa depan dan sumber estimasi ketidakpastian utama lainnya pada akhir periode pelaporan, yang memiliki risiko signifikan yang mengakibatkan penyesuaian material terhadap jumlah tercatat aset dan liabilitas dalam periode pelaporan berikutnya dijelaskan dibawah ini:

The key assumptions concerning future and other key sources of estimation uncertainty at the end of the reporting period, that have a significant risk of causing a material adjustment to the carrying amounts of assets and liabilities within the next financial period are discussed below:

Rugi penurunan nilai aset keuangan Impairment loss on financial assets Bank menilai penurunan nilai aset keuangan pada setiap tanggal pelaporan. Dalam menentukan apakah rugi penurunan nilai harus dicatat dalam laba rugi, manajemen membuat penilaian, apakah terdapat bukti obyektif bahwa kerugian telah terjadi. Suatu aset keuangan dinyatakan mengalami penurunan nilai bila ada bukti obyektif terjadinya peristiwa yang berdampak pada estimasi arus kas atas aset keuangan. Bukti tersebut meliputi data yang dapat diobservasi yang menunjukkan bahwa telah terjadi peristiwa yang merugikan dalam status pembayaran debitur atau kondisi ekonomi nasional atau lokal yang berkorelasi dengan kelalaian membayar piutang.

The Bank assesses its financial assets at each reporting date. In determining whether the impairment loss should be recorded in profit or loss, management makes judgement as to whether there is objective evidence that loss event has occured. Financial assets are considered to be impaired when there is objective evidence that, as a result of one or more events that occurred after the initial recognition of the financial asset, the estimated future cash flows of the financial assets have been affected. The evidence includes observable data which indicates that an adverse event has occurred in the payment status of borrowers or in the national or local economic conditions that correlate with the omission of payment of receivables.

Cadangan kerugian penurunan nilai akan dibentuk untuk mengakui kerugian penurunan nilai yang terjadi dalam portofolio aset keuangan. Manajemen menggunakan perkiraan berdasarkan pengalaman kerugian historis untuk aset dengan karakteristik risiko kredit dan bukti obyektif adanya penurunan nilai yang serupa dengan yang ada dalam portofolio pada saat penjadwalan arus kas masa depan.

Provision for loss on impairment will be set up to recognize the impairment loss that occurs in a portfolio of financial assets. Management uses estimates based on historical loss experience for assets with credit risk characteristics and objective evidence of impairment similar to those in the portfolio when scheduling the future cash flows.

Manajemen juga membuat penilaian atas metodologi dan asumsi untuk memperkirakan jumlah dan waktu arus kas masa depan yang di-review secara berkala untuk mengurangi perbedaan antara estimasi kerugian dan kerugian aktualnya.

Management also makes judgement as to the methodology and assumptions for estimating the amount and timing of future cash flows which are reviewed regularly to reduce any difference between loss estimate and actual loss.

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 35 -

Aset Keuangan Dimiliki hingga Jatuh Tempo Held-to-maturity (HTM) Financial Assets Klasifikasi atas aset keuangan dimiliki hingga jatuh tempo memerlukan pertimbangan yang signifikan. Dalam membuat pertimbangan tersebut, Bank mengevaluasi tujuan dan kemampuan untuk memiliki suatu investasi hingga jatuh tempo. Jika Bank tidak dapat menjaga investasinya hingga jatuh tempo selain dalam kondisi tertentu contohnya, menjual sekuritas dengan nilai tidak signifikan pada waktu yang mendekati jatuh tempo - hal ini mengharuskan reklasifikasi seluruh portofolio menjadi investasi tersedia untuk dijual. Investasi tersebut selanjutnya akan diukur pada nilai wajar dan bukan pada biaya perolehan diamortisasi.

The classificiation to HTM financial assets requires significant judgment. In making this judgment, the Bank evaluates its intention and ability to hold such investments to maturity. If the Bank fails to keep these investments to maturity other than in certain specific circumstances for example, selling an insignificant amount close to maturity it will be required to reclasify the entire portfolio as AFS investments. The investments would therefore measured at fair value and not at amortized cost.

Jumlah tercatat atas sekuritas dimiliki hingga jatuh tempo diungkapkan dalam Catatan 9.

The carrying amount of HTM is disclosed in Note 9.

Sumber Estimasi Ketidakpastian Key Sources of Estimation Uncertainty Asumsi utama mengenai masa depan dan sumber estimasi ketidakpastian utama lainnya pada akhir periode pelaporan, yang memiliki risiko signifikan yang mengakibatkan penyesuaian material terhadap jumlah tercatat aset dan liabilitas dalam periode pelaporan berikutnya dijelaskan dibawah ini:

The key assumptions concerning future and other key sources of estimation uncertainty at the end of the reporting period, that have a significant risk of causing a material adjustment to the carrying amounts of assets and liabilities within the next financial period are discussed below:

Rugi penurunan nilai aset keuangan Impairment loss on financial assets Bank menilai penurunan nilai aset keuangan pada setiap tanggal pelaporan. Dalam menentukan apakah rugi penurunan nilai harus dicatat dalam laba rugi, manajemen membuat penilaian, apakah terdapat bukti obyektif bahwa kerugian telah terjadi. Suatu aset keuangan dinyatakan mengalami penurunan nilai bila ada bukti obyektif terjadinya peristiwa yang berdampak pada estimasi arus kas atas aset keuangan. Bukti tersebut meliputi data yang dapat diobservasi yang menunjukkan bahwa telah terjadi peristiwa yang merugikan dalam status pembayaran debitur atau kondisi ekonomi nasional atau lokal yang berkorelasi dengan kelalaian membayar piutang.

The Bank assesses its financial assets at each reporting date. In determining whether the impairment loss should be recorded in profit or loss, management makes judgement as to whether there is objective evidence that loss event has occured. Financial assets are considered to be impaired when there is objective evidence that, as a result of one or more events that occurred after the initial recognition of the financial asset, the estimated future cash flows of the financial assets have been affected. The evidence includes observable data which indicates that an adverse event has occurred in the payment status of borrowers or in the national or local economic conditions that correlate with the omission of payment of receivables.

Cadangan kerugian penurunan nilai akan dibentuk untuk mengakui kerugian penurunan nilai yang terjadi dalam portofolio aset keuangan. Manajemen menggunakan perkiraan berdasarkan pengalaman kerugian historis untuk aset dengan karakteristik risiko kredit dan bukti obyektif adanya penurunan nilai yang serupa dengan yang ada dalam portofolio pada saat penjadwalan arus kas masa depan.

Provision for loss on impairment will be set up to recognize the impairment loss that occurs in a portfolio of financial assets. Management uses estimates based on historical loss experience for assets with credit risk characteristics and objective evidence of impairment similar to those in the portfolio when scheduling the future cash flows.

Manajemen juga membuat penilaian atas metodologi dan asumsi untuk memperkirakan jumlah dan waktu arus kas masa depan yang di-review secara berkala untuk mengurangi perbedaan antara estimasi kerugian dan kerugian aktualnya.

Management also makes judgement as to the methodology and assumptions for estimating the amount and timing of future cash flows which are reviewed regularly to reduce any difference between loss estimate and actual loss.

PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 36 -

Bank melakukan penilaian terhadap penurunan nilai dalam dua cara, yaitu:

The Bank performs assessment of the impairment amounts in two ways, namely:

a. Individual, dilakukan untuk jumlah aset

keuangan yang melebihi ambang batas (threshold) tertentu dan aset keuangan yang memiliki bukti obyektif penurunan nilai yang telah teridentifikasi secara terpisah pada tanggal laporan posisi keuangan. Kerugian penurunan nilai adalah selisih antara nilai tercatat dan nilai kini dari estimasi terbaik atas arus kas masa depan dan realisasi agunan pada tingkat suku bunga efektif awal dari aset keuangan tersebut. Estimasi ini dilakukan dengan mempertimbangkan kapasitas utang dan fleksibilitas keuangan debitur, kualitas pendapatan debitur, jumlah dan sumber arus kas, industri di mana debitur beroperasi dan nilai realisasi agunan. Estimasi jumlah dan waktu pemulihan masa depan akan membutuhkan banyak pertimbangan. Jumlah penerimaan tergantung pada kinerja debitur pada masa mendatang dan nilai agunan, keduanya akan dipengaruhi oleh kondisi ekonomi di masa depan, di samping itu agunan mungkin tidak mudah dijual. Nilai aktual arus kas masa depan dan tanggal penerimaan mungkin berbeda dari estimasi tersebut dan akibatnya kerugian aktual yang terjadi mungkin berbeda dengan yang diakui dalam laporan keuangan.

a. Individually, made to the amount of financial assets that exceed certain threshold and to certain financial assets that have objective evidence that impairment has been identified separately on the date of statement of financial position. Impairment loss is the difference between the carrying amount and the present value of the best estimated future cash flows and realization of collateral at the initial effective interest rates of financial assets. The estimates are made by considering the debt capacity and financial flexibility of the debtor, debtor's earnings quality, quantity and source of cash flows, industry in which the debtor operates and realizable value of collateral. Estimating the amount and timing of future recovery will require a lot of considerations. The amount of revenue depends on the performance of the debtor in the future and the value of collateral, both of which will be affected by future economic conditions, in addition to the fact that the collateral may not be easily sold. The actual value and date of receipt of future cash flows may differ from the estimates and as a result, actual loss which occurs may be different from the amount recognized in the financial statements.

b. Kolektif, dilakukan untuk jumlah aset keuangan

yang tidak melebihi ambang batas (threshold) tertentu, tidak memiliki bukti obyektif penurunan nilai dan aset keuangan yang memiliki bukti obyektif penurunan nilai, namun belum diidentifikasi secara terpisah pada tanggal laporan posisi keuangan. Pembentukan kerugian penurunan nilai dilakukan secara kolektif dengan antara lain memperhitungkan jumlah dan lamanya tunggakan, agunan dan pengalaman kerugian masa lalu. Faktor paling penting dalam pembentukan cadangan adalah probability of default dan loss given default. Kualitas aset keuangan pada masa mendatang dipengaruhi oleh ketidakpastian yang dapat menyebabkan kerugian aktual aset keuangan dapat berbeda secara material dari cadangan kerugian penurunan nilai yang telah dibentuk. Ketidakpastian ini termasuk lingkungan ekonomi, suku bunga dan pengaruhnya terhadap pembelanjaan debitur, tingkat pengangguran dan perilaku pembayaran.

b. Collectively, made to the amount of financial assets that do not exceed certain threshold and do not have objective evidence of impairment when assessed individually, and to the financial assets that have objective evidence of impairment but has not been identified separately on the date of statement of financial position. Establishment of collective impairment loss is made by, among others, taking into account the number and duration of arrears, collateral and past loss experience. The most important factors in establishing reserves are the probability of default and the loss given default. The quality of financial assets in the future is affected by uncertainties that could cause actual loss on financial assets, which may differ materially from the impairment loss reserves that have been established. These uncertainties include the economic environment, interest rates and the effect on spending of the debtor, unemployment rate and payment behavior.

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Manfaat Karyawan Employee Benefits Penentuan liabilitas imbalan kerja tergantung pada pemilihan asumsi tertentu yang digunakan oleh aktuaris dalam menghitung jumlah liabilitas tersebut. Asumsi tersebut termasuk antara lain tingkat diskonto dan tingkat kenaikan gaji. Realisasi yang berbeda dari asumsi Bank diakumulasi dan diamortisasi selama periode mendatang dan akibatnya akan berpengaruh terhadap jumlah biaya serta liabilitas yang diakui di masa mendatang. Walaupun asumsi Bank dianggap tepat dan wajar, namun perubahan signifikan pada kenyataannya atau perubahan signifikan dalam asumsi yang digunakan dapat berpengaruh secara signifikan terhadap liabilitas imbalan pasca kerja Bank.

Determination of liability for employee benefits depends on the selection of certain assumptions used by actuaries in calculating the amount of such liability. These assumptions include, among others, the discount rate and the rate of increase in salaries. Different realization of the Bank’sassumptions is accumulated and amortized over future periods and consequently will affect the amount of costs and liabilities recognized in the future periods. Although the assumptions used by the Bank are assessed to be appropriate and fair, significant changes in actual events or significant changes in the assumptions used can significantly affect the Bank's post-employment benefits liability.

Taksiran Masa Manfaat Ekonomis Aset Tetap Estimated Useful Lives of Premises and

Equipment Masa manfaat setiap aset tetap Bank ditentukan berdasarkan kegunaan yang diharapkan dari aset tersebut. Estimasi ini ditentukan berdasarkan evaluasi teknis internal dan pengalaman atas aset sejenis. Masa manfaat setiap aset di-review secara periodik dan disesuaikan apabila perkiraan berbeda dengan estimasi sebelumnya karena keausan, keusangan teknis dan komersial, hukum atau keterbatasan lainnya atas pemakaian aset. Namun terdapat kemungkinan bahwa hasil operasi dimasa mendatang dapat dipengaruhi secara signifikan oleh perubahan atas jumlah serta periode pencatatan biaya yang diakibatkan karena perubahan faktor yang disebutkan di atas.

The useful life of each item of the Bank’s premises and equipment are estimated based on the period over which the asset is expected to be available for use. Such estimation is based on internal technical evaluation and experience with similar assets. The estimated useful life of each asset is reviewed periodically and updated if expectations differ from previous estimates due to physical wear and tear, technical or commercial obsolescence and legal or other limits on the use of the asset. It is possible, however, that future results of operations could be materially affected by changes in the amounts and timing of recorded expenses brought about by changes in the factors mentioned above.

Perubahan masa manfaat aset tetap dapat mempengaruhi jumlah biaya penyusutan yang diakui dan penurunan nilai tercatat aset tersebut.

A change in the estimated useful life of any item of premises and equipment would affect the recorded depreciation expense and decrease in the carrying values of these assets.

Nilai tercatat aset tetap diungkapkan dalam Catatan 15.

The carrying amounts of premises and equipment are disclosed in Note 15.

5. KAS

5. CASH

2016 2015Rp Juta/ Rp Juta/Rp Million Rp Million

Rupiah 141.973 105.032 RupiahDollar Amerika Serikat 2.358 3.869 United States DollarDollar Singapura 644 49 Singapore DollarDollar Australia - 5 Australian Dollar

Jumlah 144.975 108.955 Total

Saldo kas termasuk uang pada mesin ATM (Automated Teller Machines) sejumlah Rp 31.596 juta dan Rp 23.203 juta masing-masing pada tanggal 31 Desember 2016 dan 2015.

Cash includes cash in ATMs (Automated Teller Machines) amounting to Rp 31,596 million and Rp 23,203 million as of December 31, 2016 and 2015, respectively.

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Manfaat Karyawan Employee Benefits Penentuan liabilitas imbalan kerja tergantung pada pemilihan asumsi tertentu yang digunakan oleh aktuaris dalam menghitung jumlah liabilitas tersebut. Asumsi tersebut termasuk antara lain tingkat diskonto dan tingkat kenaikan gaji. Realisasi yang berbeda dari asumsi Bank diakumulasi dan diamortisasi selama periode mendatang dan akibatnya akan berpengaruh terhadap jumlah biaya serta liabilitas yang diakui di masa mendatang. Walaupun asumsi Bank dianggap tepat dan wajar, namun perubahan signifikan pada kenyataannya atau perubahan signifikan dalam asumsi yang digunakan dapat berpengaruh secara signifikan terhadap liabilitas imbalan pasca kerja Bank.

Determination of liability for employee benefits depends on the selection of certain assumptions used by actuaries in calculating the amount of such liability. These assumptions include, among others, the discount rate and the rate of increase in salaries. Different realization of the Bank’sassumptions is accumulated and amortized over future periods and consequently will affect the amount of costs and liabilities recognized in the future periods. Although the assumptions used by the Bank are assessed to be appropriate and fair, significant changes in actual events or significant changes in the assumptions used can significantly affect the Bank's post-employment benefits liability.

Taksiran Masa Manfaat Ekonomis Aset Tetap Estimated Useful Lives of Premises and

Equipment Masa manfaat setiap aset tetap Bank ditentukan berdasarkan kegunaan yang diharapkan dari aset tersebut. Estimasi ini ditentukan berdasarkan evaluasi teknis internal dan pengalaman atas aset sejenis. Masa manfaat setiap aset di-review secara periodik dan disesuaikan apabila perkiraan berbeda dengan estimasi sebelumnya karena keausan, keusangan teknis dan komersial, hukum atau keterbatasan lainnya atas pemakaian aset. Namun terdapat kemungkinan bahwa hasil operasi dimasa mendatang dapat dipengaruhi secara signifikan oleh perubahan atas jumlah serta periode pencatatan biaya yang diakibatkan karena perubahan faktor yang disebutkan di atas.

The useful life of each item of the Bank’s premises and equipment are estimated based on the period over which the asset is expected to be available for use. Such estimation is based on internal technical evaluation and experience with similar assets. The estimated useful life of each asset is reviewed periodically and updated if expectations differ from previous estimates due to physical wear and tear, technical or commercial obsolescence and legal or other limits on the use of the asset. It is possible, however, that future results of operations could be materially affected by changes in the amounts and timing of recorded expenses brought about by changes in the factors mentioned above.

Perubahan masa manfaat aset tetap dapat mempengaruhi jumlah biaya penyusutan yang diakui dan penurunan nilai tercatat aset tersebut.

A change in the estimated useful life of any item of premises and equipment would affect the recorded depreciation expense and decrease in the carrying values of these assets.

Nilai tercatat aset tetap diungkapkan dalam Catatan 15.

The carrying amounts of premises and equipment are disclosed in Note 15.

5. KAS

5. CASH

2016 2015Rp Juta/ Rp Juta/Rp Million Rp Million

Rupiah 141.973 105.032 RupiahDollar Amerika Serikat 2.358 3.869 United States DollarDollar Singapura 644 49 Singapore DollarDollar Australia - 5 Australian Dollar

Jumlah 144.975 108.955 Total

Saldo kas termasuk uang pada mesin ATM (Automated Teller Machines) sejumlah Rp 31.596 juta dan Rp 23.203 juta masing-masing pada tanggal 31 Desember 2016 dan 2015.

Cash includes cash in ATMs (Automated Teller Machines) amounting to Rp 31,596 million and Rp 23,203 million as of December 31, 2016 and 2015, respectively.

PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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6. GIRO PADA BANK INDONESIA 6. DEMAND DEPOSITS WITH BANK INDONESIA

2016 2015Rp Juta/ Rp Juta/Rp Million Rp Million

Rupiah 593.233 641.689 RupiahDollar Amerika Serikat 168.406 170.934 United States Dollar

Jumlah 761.639 812.623 Total

Sesuai dengan Peraturan Bank Indonesia (PBI) No. 15/15/PBI/2013 tanggal 24 Desember 2013 dan perubahannya PBI No. 17/21/PBI/2015 tanggal 26 November 2015, PBI No. 18/3/PBI/2016 tanggal 10 Maret 2016 dan PBI No. 18/14/PBI/2016 tanggal 18 Agustus 2016 tentang Giro Wajib Minimum Bank Umum bagi Bank Umum konvensional dalam Rupiah dan Valuta Asing, setiap bank di Indonesia diwajibkan mempunyai saldo giro minimum di Bank Indonesia untuk cadangan likuiditas. Giro Wajib Minimum (GWM) dalam Rupiah terdiri dari GWM Primer ditetapkan sebesar 6,5% dan 7,5% masing-masing pada tanggal 31 Desember 2016 dan 2015, GWM Sekunder ditetapkan sebesar 4% masing-masing pada tanggal 31 Desember 2016 dan 2015, serta GWM Loan to Funding Ratio (LFR) sebesar perhitungan antara parameter disinsentif bawah atau parameter disinsentif atas dengan selisih antara LFR bank dan LFR target dengan memperhatikan selisih antara Kewajiban Penyediaan Modal Minimum (KPMM) bank dan KPMM Insentif. GWM dalam Dollar Amerika Serikat ditetapkan sebesar 8% masing-masing pada tanggal 31 Desember 2016 dan 2015.

In accordance with Bank Indonesia Regulation (PBI) No. 15/15/PBI/2013 dated December 24, 2013 and its amendments PBI No. 17/21/PBI/2015 dated November 26, 2015, PBI No. 18/3/PBI/2016 dated March 10, 2016 and PBI No. 18/14/PBI/2016 dated August 18, 2016 regarding Minimum Statutory Reserves (GWM) with Commercial Banks in Rupiah and foreign currencies, each bank in Indonesia is required to have a minimum demand deposit balance in Bank Indonesia as liquidity reserve. The GWM in Rupiah consists of Primary GWM which is set at 6.5% and 7.5% as of December 31, 2016 and 2015, respectively, and the Secondary GWM which is set at 4% as of December 31, 2016 and 2015, respectively and GWM Loan to Funding Ratio (LFR GWM) which is determined based on parameters under disincentive and over disincentive for the difference between the bank's LFR and target LFR by taking into account the difference between the bank's Capital Adequacy Ratio (CAR) and CAR incentive. GWM in United States Dollar is set at 8% as of December 31, 2016 and 2015.

Pada tanggal 31 Desember 2016 dan 2015, rincian giro wajib minimum Bank adalah sebagai berikut:

As of December 31, 2016 and 2015, the Bank’s minimum statutory reserves are as follows:

2016 2015

% %

GWM primer Primary GWM Rupiah 7,15 8,61 RupiahDollar Amerika Serikat 8,79 9,26 United Stated Dollar

GWM sekunder 14,64 12,86 Secondary GWM GWM LFR 0,43 0,00 LFR GWM

Pada tanggal 31 Desember 2016 dan 2015, Bank telah memenuhi giro wajib minimum yang harus disediakan sesuai dengan ketentuan Bank Indonesia.

As of December 31, 2016 and 2015, the Bank has complied with the minimum reserve requirements under the Bank Indonesia regulation.

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PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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7. GIRO PADA BANK LAIN 7. DEMAND DEPOSITS WITH OTHER BANKS

Rincian giro pada bank lain berdasarkan pihak dimana Bank menempatkan dananya dan jenis mata uang adalah sebagai berikut:

Demand deposits with other banks by counterparty and by currency are as follows:

2016 2015

Rp Juta/ Rp Juta/Rp Million Rp Million

Pihak ketiga Third partiesRupiah Rupiah

Bank Central Asia 20.235 1 Bank Central AsiaBank Mandiri 47 48 Bank MandiriStandard Chartered Bank 28 27 Standard Chartered BankBank Maybank Indonesia 18 29 Bank Maybank IndonesiaBank CIMB Niaga 1 1 Bank CIMB Niaga Sub jumlah 20.329 106 Sub total

Dollar Amerika Serikat United States DollarStandard Chartered Bank, New York 219.160 68.588 Standard Chartered Bank, New YorkBank Mandiri, Jakarta 22.088 21.382 Bank Mandiri, JakartaBank Central Asia, Jakarta 19.500 15.601 Bank Central Asia, JakartaStandard Chartered Bank, Jakarta 2 2 Standard Chartered Bank, JakartaDeutsche Bank, Frankfurt - 891.280 Deutsche Bank, FrankfurtWells Fargo Bank, New York - 233.703 Wells Fargo Bank, New YorkSub jumlah 260.750 1.230.556 Sub total

Dollar Singapura Singapore Dollar United Overseas Bank Ltd., Singapura 5.616 24.872 United Overseas Bank Ltd., Singapore

Euro Euro Standard Chartered Bank, Frankurt 2.471 5.061 Standard Chartered Bank, Frankfurt

Wells Fargo Bank, London - 672 Wells Fargo Bank, LondonSub jumlah 2.471 5.733 Sub total

Dollar Australia Australian Dollar Commonw ealth Bank, Sydney 1.723 2.680 Commonw ealth Bank, Sydney

Dollar Hongkong Hongkong Dollar Standard Chartered Bank, Hongkong 1.325 1.190 Standard Chartered Bank, Hongkong

Yen Jepang Japanese YenWells Fargo Bank, Tokyo 256 1.337 Wells Fargo Bank, Tokyo

Jumlah Giro pada Bank Lain 292.470 1.266.474 Total Demand Deposit w ith Other Banks

Tingkat suku bunga efektif rata-rata per tahun giro pada bank lain untuk mata uang Rupiah dan valuta asing masing-masing sebesar 0,06% dan 0,33% pada tanggal 31 Desember 2016 dan 1,97% dan 0,06% pada tanggal 31 Desember 2015.

The average annual effective interest rates of demand deposits with other banks in Rupiah and foreign currencies are 0.06% and 0.33% as of December 31, 2016, respectively and 1.97% and 0.06% as of December 31, 2015, respectively.

Pada tanggal 31 Desember 2016 dan 2015, tidak terdapat giro pada bank lain yang dijadikan agunan oleh Bank.

On December 31, 2016 and 2015, there are no demand deposits from other banks which are used as collateral by the Bank.

Tidak terdapat cadangan kerugian penurunan nilai yang diakui karena manajemen berpendapat bahwa seluruh giro pada bank lain dapat ditagih.

No allowance for impairment losses has been recognized since management believes that all demand deposits with other bank are collectible.

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PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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7. GIRO PADA BANK LAIN 7. DEMAND DEPOSITS WITH OTHER BANKS

Rincian giro pada bank lain berdasarkan pihak dimana Bank menempatkan dananya dan jenis mata uang adalah sebagai berikut:

Demand deposits with other banks by counterparty and by currency are as follows:

2016 2015

Rp Juta/ Rp Juta/Rp Million Rp Million

Pihak ketiga Third partiesRupiah Rupiah

Bank Central Asia 20.235 1 Bank Central AsiaBank Mandiri 47 48 Bank MandiriStandard Chartered Bank 28 27 Standard Chartered BankBank Maybank Indonesia 18 29 Bank Maybank IndonesiaBank CIMB Niaga 1 1 Bank CIMB Niaga Sub jumlah 20.329 106 Sub total

Dollar Amerika Serikat United States DollarStandard Chartered Bank, New York 219.160 68.588 Standard Chartered Bank, New YorkBank Mandiri, Jakarta 22.088 21.382 Bank Mandiri, JakartaBank Central Asia, Jakarta 19.500 15.601 Bank Central Asia, JakartaStandard Chartered Bank, Jakarta 2 2 Standard Chartered Bank, JakartaDeutsche Bank, Frankfurt - 891.280 Deutsche Bank, FrankfurtWells Fargo Bank, New York - 233.703 Wells Fargo Bank, New YorkSub jumlah 260.750 1.230.556 Sub total

Dollar Singapura Singapore Dollar United Overseas Bank Ltd., Singapura 5.616 24.872 United Overseas Bank Ltd., Singapore

Euro Euro Standard Chartered Bank, Frankurt 2.471 5.061 Standard Chartered Bank, Frankfurt

Wells Fargo Bank, London - 672 Wells Fargo Bank, LondonSub jumlah 2.471 5.733 Sub total

Dollar Australia Australian Dollar Commonw ealth Bank, Sydney 1.723 2.680 Commonw ealth Bank, Sydney

Dollar Hongkong Hongkong Dollar Standard Chartered Bank, Hongkong 1.325 1.190 Standard Chartered Bank, Hongkong

Yen Jepang Japanese YenWells Fargo Bank, Tokyo 256 1.337 Wells Fargo Bank, Tokyo

Jumlah Giro pada Bank Lain 292.470 1.266.474 Total Demand Deposit w ith Other Banks

Tingkat suku bunga efektif rata-rata per tahun giro pada bank lain untuk mata uang Rupiah dan valuta asing masing-masing sebesar 0,06% dan 0,33% pada tanggal 31 Desember 2016 dan 1,97% dan 0,06% pada tanggal 31 Desember 2015.

The average annual effective interest rates of demand deposits with other banks in Rupiah and foreign currencies are 0.06% and 0.33% as of December 31, 2016, respectively and 1.97% and 0.06% as of December 31, 2015, respectively.

Pada tanggal 31 Desember 2016 dan 2015, tidak terdapat giro pada bank lain yang dijadikan agunan oleh Bank.

On December 31, 2016 and 2015, there are no demand deposits from other banks which are used as collateral by the Bank.

Tidak terdapat cadangan kerugian penurunan nilai yang diakui karena manajemen berpendapat bahwa seluruh giro pada bank lain dapat ditagih.

No allowance for impairment losses has been recognized since management believes that all demand deposits with other bank are collectible.

PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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8. PENEMPATAN PADA BANK INDONESIA DAN BANK LAIN

8. PLACEMENTS WITH BANK INDONESIA AND OTHER BANKS

Penempatan pada Bank Indonesia dan bank lain berdasarkan jenis penempatan adalah sebagai berikut:

Placements with Bank Indonesia and other banks by types of placements are as follows:

Tingkat bunga

efektif rata-rata

per tahun/

Jangka w aktu/ Average annual Jumlah/

Period effective interest rate TotalRp Juta/Rp Million

Pihak ketiga Third partiesRupiah Rupiah

Fasilitas Simpanan Bank Indonesia 3 hari/days 4,00% 589.869 Bank Indonesia Deposit FacilityCall money 3 - 14 hari/days 6,47% 470.000 Call moneySertif ikat Deposito Bank Indonesia 56 - 91 hari/days 5,55% 199.412 Bank Indonesia Certif icate of Deposit Sertif ikat Deposito 184 - 370 hari/days 7,10% 96.883 Certif icate of DepositSertif ikat Bank Indonesia 273 hari/days 6,40% 49.041 Bank Indonesia Certif icate Sub jumlah 1.405.205 Sub total

Valuta asing Foreign currenciesDollar Amerika Serikat United States Dollar

Term Deposit Bank Indonesia 4 hari/days 0,69% 404.175 Bank Indonesia Term DepositCall money 4 - 7 hari/days 0,77% 175.143 Call moneySub jumlah 579.318 Sub total

Jumlah Penempatan pada Bank Total Placements w ith Bank

Indonesia dan Bank Lain 1.984.523 Indonesia and Other Banks

2016

Tingkat bunga

efektif rata-rata

per tahun/

Jangka w aktu/ Average annual Jumlah/

Period effective interest rate TotalRp Juta/Rp Million

Pihak ketiga Third partiesRupiah Rupiah

Call money 4 - 7 hari/days 8,00% 655.000 Call moneyFasilitas Simpanan Bank Indonesia 4 hari/days 5,50% 466.786 Bank Indonesia Deposit FacilitySertif ikat Deposito 183 - 367 hari/days 8,90% 97.024 Certif icate of DepositSertif ikat Deposito Bank Indonesia 273 hari/days 6,68% 19.949 Bank Indonesia Certif icate of Deposit Sub jumlah 1.238.759 Sub total

Valuta asing Foreign currenciesDollar Amerika Serikat United States Dollar

Call money 4 hari/days 0,45% 96.495 Call money

Jumlah Penempatan pada Bank Total Placements w ith Bank

Indonesia dan Bank Lain 1.335.254 Indonesia and Other Banks

2015

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PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Rincian penempatan pada Bank Indonesia dan bank lain berdasarkan pihak dimana Bank menempatkan dananya adalah sebagai berikut:

Placements with Bank Indonesia and other banks by counterparty are as follows:

2016 2015Rp Juta/ Rp Juta/Rp Million Rp Million

Pihak ketiga Third partiesRupiah Rupiah

Bank Indonesia 838.322 486.735 Bank IndonesiaBank Victoria International 100.000 100.000 Bank Victoria InternationalBPD Riau 100.000 - BPD RiauBank OCBC NISP 100.000 - Bank OCBC NISPBPD Jabar dan Banten 70.000 150.000 BPD Jabar dan BantenBPD Banten 50.000 - BPD BantenBank of Tokyo - Mitsubishi, Indonesia 49.460 - Bank of Tokyo - Mitsubishi, IndonesiaBank Negara Indonesia 47.423 - Bank Negara IndonesiaBPD Sulaw esi Tenggara 30.000 - BPD Sulaw esi TenggaraBank Nationalnobu 20.000 - Bank NationalnobuBank Pan Indonesia - 100.000 Bank Pan IndonesiaBank Sinarmas - 75.000 Bank SinarmasLembaga Pembiayaan Ekspor Lembaga Pembiayaan Ekspor

Indonesia - 70.000 IndonesiaBank Bukopin - 60.000 Bank BukopinBank KEB Hana Indonesia - 50.000 Bank KEB Hana IndonesiaBPD Kaltim - 50.000 BPD KaltimBank Mandiri - 48.362 Bank MandiriBank CIMB Niaga - 28.806 Bank CIMB NiagaBank Commonw ealth - 19.856 Bank Commonw ealthSub jumlah 1.405.205 1.238.759 Sub total

Valuta Asing Foreign currencyBank Indonesia 404.175 - Bank IndonesiaBank Bukopin 67.363 - Bank BukopinBank Mizuho, Indonesia 67.363 - Bank Mizuho, IndonesiaBank Chinatrust, Indonesia 40.417 - Bank Chinatrust, IndonesiaBank Rabobank International Bank Rabobank International

Indonesia - 96.495 IndonesiaSub jumlah 579.318 96.495 Sub total

Jumlah Penempatan pada Bank Total Placements w ith Bank Indonesia dan Bank Lain 1.984.523 1.335.254 Indonesia and Other Banks

Nilai tercatat biaya perolehan diamortisasi dari penempatan pada Bank Indonesia dan bank lain adalah sebagai berikut:

The carrying amount of placements with Bank Indonesia and other banks at amortized cost are as follows:

2016 2015Rp Juta/ Rp Juta/Rp Million Rp Million

Penempatan pada Bank Indonesia Placements w ith Bank Indonesiadan bank lain 1.984.523 1.335.254 and other banks

Pendapatan bunga yang masih akan Accrued interest receivablediterima (Catatan 17) 405 177 (Note 17)

Jumlah 1.984.928 1.335.431 Total

Pada tanggal 31 Desember 2016 terdapat Sertifikat Deposito Bank Indonesia sebesar Rp 89.976 juta yang dijadikan sebagai efek dijual dengan janji dibeli kembali (Catatan 20).

On December 31, 2016 there are Bank Indonesia Certificate of Deposit amounting to Rp 89,976 million as securities sold with agreements to repurchase (Note 20).

Tidak terdapat cadangan kerugian penurunan nilai yang diakui karena manajemen berpendapat bahwa seluruh penempatan pada bank lain dapat ditagih.

No allowance for impairment losses has been recognized since management believes that all placements with other banks are collectible.

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PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 41 -

Rincian penempatan pada Bank Indonesia dan bank lain berdasarkan pihak dimana Bank menempatkan dananya adalah sebagai berikut:

Placements with Bank Indonesia and other banks by counterparty are as follows:

2016 2015Rp Juta/ Rp Juta/Rp Million Rp Million

Pihak ketiga Third partiesRupiah Rupiah

Bank Indonesia 838.322 486.735 Bank IndonesiaBank Victoria International 100.000 100.000 Bank Victoria InternationalBPD Riau 100.000 - BPD RiauBank OCBC NISP 100.000 - Bank OCBC NISPBPD Jabar dan Banten 70.000 150.000 BPD Jabar dan BantenBPD Banten 50.000 - BPD BantenBank of Tokyo - Mitsubishi, Indonesia 49.460 - Bank of Tokyo - Mitsubishi, IndonesiaBank Negara Indonesia 47.423 - Bank Negara IndonesiaBPD Sulaw esi Tenggara 30.000 - BPD Sulaw esi TenggaraBank Nationalnobu 20.000 - Bank NationalnobuBank Pan Indonesia - 100.000 Bank Pan IndonesiaBank Sinarmas - 75.000 Bank SinarmasLembaga Pembiayaan Ekspor Lembaga Pembiayaan Ekspor

Indonesia - 70.000 IndonesiaBank Bukopin - 60.000 Bank BukopinBank KEB Hana Indonesia - 50.000 Bank KEB Hana IndonesiaBPD Kaltim - 50.000 BPD KaltimBank Mandiri - 48.362 Bank MandiriBank CIMB Niaga - 28.806 Bank CIMB NiagaBank Commonw ealth - 19.856 Bank Commonw ealthSub jumlah 1.405.205 1.238.759 Sub total

Valuta Asing Foreign currencyBank Indonesia 404.175 - Bank IndonesiaBank Bukopin 67.363 - Bank BukopinBank Mizuho, Indonesia 67.363 - Bank Mizuho, IndonesiaBank Chinatrust, Indonesia 40.417 - Bank Chinatrust, IndonesiaBank Rabobank International Bank Rabobank International

Indonesia - 96.495 IndonesiaSub jumlah 579.318 96.495 Sub total

Jumlah Penempatan pada Bank Total Placements w ith Bank Indonesia dan Bank Lain 1.984.523 1.335.254 Indonesia and Other Banks

Nilai tercatat biaya perolehan diamortisasi dari penempatan pada Bank Indonesia dan bank lain adalah sebagai berikut:

The carrying amount of placements with Bank Indonesia and other banks at amortized cost are as follows:

2016 2015Rp Juta/ Rp Juta/Rp Million Rp Million

Penempatan pada Bank Indonesia Placements w ith Bank Indonesiadan bank lain 1.984.523 1.335.254 and other banks

Pendapatan bunga yang masih akan Accrued interest receivablediterima (Catatan 17) 405 177 (Note 17)

Jumlah 1.984.928 1.335.431 Total

Pada tanggal 31 Desember 2016 terdapat Sertifikat Deposito Bank Indonesia sebesar Rp 89.976 juta yang dijadikan sebagai efek dijual dengan janji dibeli kembali (Catatan 20).

On December 31, 2016 there are Bank Indonesia Certificate of Deposit amounting to Rp 89,976 million as securities sold with agreements to repurchase (Note 20).

Tidak terdapat cadangan kerugian penurunan nilai yang diakui karena manajemen berpendapat bahwa seluruh penempatan pada bank lain dapat ditagih.

No allowance for impairment losses has been recognized since management believes that all placements with other banks are collectible.

PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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9. EFEK-EFEK Rincian efek-efek berdasarkan mata uang adalah sebagai berikut:

9. SECURITIES Securities classified according to currency are as follows:

2016 2015Rp Juta/ Rp Juta/Rp Million Rp Million

Pihak ketiga Third partiesRupiah 1.375.817 1.133.163 RupiahDollar Amerika Serikat - 40.791 United States Dollar

Jumlah Efek-Efek 1.375.817 1.173.954 Total Securities

Berdasarkan jenis dan tujuan investasi, efek-efek adalah sebagai berikut:

Securities classified according to type and purpose are as follows:

2016 2015

Rp Juta/ Rp Juta/Rp Million Rp Million

Pihak ketiga Third partiesDimiliki hingga jatuh tempo Held-to-maturity

Obligasi Pemerintah Indonesia 476.251 476.251 Indonesian Government bonds

Tersedia untuk dijual Available-for-saleObligasi Pemerintah Indonesia 437.825 253.725 Indonesian Government bonds Obligasi lainnya 349.597 198.667 Other bondsReksadana 50.223 - Mutual fundsSurat utang jangka menengah 30.000 30.000 Medium term notes

Jumlah efek tersedia untuk dijual 867.645 482.392 Total available-for-sale securities

Diperdagangkan TradingObligasi Pemerintah Indonesia 31.921 166.498 Indonesian Government bonds Obligasi lainnya - 48.813 Other bonds

Jumlah efek diperdagangkan 31.921 215.311 Total trading securities

Jumlah Efek-Efek 1.375.817 1.173.954 Total Securities

Tingkat bunga rata-rata per tahun untuk efek-efek adalah sebagai berikut:

Average annual interest rates of the above securities are as follows:

2016 2015

Rupiah RupiahObligasi Pemerintah Indonesia 5.93% 7.29% Indonesian Government bondsObligasi lainnya 8.34% 8.70% Other bondsSurat utang jangka menengah 11.75% 11.75% Medium term notes

Dollar Amerika Serikat United States DollarObligasi Pemerintah Indonesia - 4.75% Indonesian Government bonds

Jangka waktu efek-efek sejak tanggal pembelian hingga tanggal jatuh tempo adalah sebagai berikut:

The terms of the above securities from acquisition dates to maturity dates are as follows:

2016 2015

Rupiah RupiahObligasi Pemerintah Indonesia 2 bulan - 28 tahun/ 9 bulan - 28 tahun/ Indonesian Government bonds

2 months - 28 years 9 months - 28 yearsObligasi lainnya 37 - 64 bulan/months 3 - 60 bulan/months Other bondsSurat utang jangka menengah 2 tahun/years 2 tahun/years Medium term notes

Dollar Amerika Serikat United States DollarObligasi Pemerintah Indonesia - 10 tahun/years Indonesian Government bonds

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PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Rincian efek-efek berdasarkan penerbit dan peringkat obligasi berdasarkan beberapa perusahaan pemeringkat pada tanggal 31 Desember 2016 dan 2015 adalah sebagai berikut:

Securities classified according to issuers and rating of bonds from various rating companies as of December 31, 2016 and 2015 are as follows:

2016 2015Rp Juta/ Peringkat/ Rp Juta/ Peringkat/

Rp Million Rating Rp Million RatingRupiah Rupiah

Obligasi BondsPemerintah Republik Indonesia 945.997 idBBB- 855.683 idBBB- Government of Republic of IndonesiaPerusahaan lainnya Other companies

Lembaga Pembiayaan Ekspor Lembaga Pembiayaan EksporIndonesia 105.167 idAAA 101.951 idAAA Indonesia

PT Sarana Multigriya Finance 79.765 idAA+ 2.906 idAA+ PT Sarana Multigriya FinancePT Surya Artha Nusantara Finance 53.530 idAA- - PT Surya Artha Nusantara FinancePT Sarana Multi Infrastruktur 50.050 idAAA 48.972 idAA+ PT Sarana Multi InfrastrukturPT Bank Mandiri 27.027 idAAA - PT Bank MandiriPT Indonesia Infrastruktur Finance 23.058 idAAA - PT Indonesia Infrastruktur FinancePT Aneka Tambang 11.000 idBBB+ - PT Aneka TambangPT Astra Sedaya Finance - 51.722 idAA+ PT Astra Sedaya FinancePT Wahana Ottomitra Multiartha - 25.000 idAA PT Wahana Ottomitra MultiarthaPT Federal Internasional Finance - 9.953 idAAA PT Federal Internasional FinancePT Adira Dinamika Multifinance - 6.976 idAA+ PT Adira Dinamika Multifinance

Reksadana ReksadanaDanareksa Seruni Pasar Uang II 50.223 - Danareksa Seruni Pasar Uang II

Surat utang jangka menengah Medium term notesPT Perkebunan Nusantara II 30.000 idAAA 30.000 idA+ PT Perkebunan Nusantara II

Jumlah efek-efek rupiah 1.375.817 1.133.163 Total securities - Rupiah

Dollar Amerika Serikat United States DollarObligasi Bonds

Pemerintah Republik Indonesia - 40.791 idBB+ Government of Republic of Indonesia

Jumlah Efek-efek 1.375.817 1.173.954 Total Securities

Efek-efek telah diperingkat oleh PT Pemeringkat Efek Indonesia (Pefindo) dan Fitch Rating Indonesia.

Securities are rated by PT Pemeringkat Efek Indonesia (Pefindo) and Fitch Rating Indonesia.

Pada Maret 2015, Bank melakukan perubahan tujuan investasi terhadap obligasi Pemerintah Republik Indonesia dengan nilai nominal sebesar Rp 476.251 juta dari klasifikasi “tersedia untuk dijual” ke klasifikasi “dimiliki hingga jatuh tempo”. Manajemen berkeyakinan memiliki kemampuan dan berkeinginan untuk memiliki obligasi Pemerintah Republik Indonesia tersebut hingga jatuh tempo. Nilai wajar obligasi Pemerintah Republik Indonesia pada tanggal perpindahan menjadi nilai buku awal obligasi Pemerintah Republik Indonesia dalam klasifikasi “dimiliki hingga jatuh tempo”. Kerugian yang belum direalisasi atas obligasi yang dipindahkan sebesar Rp 1.604 juta dicatat sebagai bagian dari kerugian yang belum direalisasi atas perubahan nilai wajar efek-efek tersedia untuk dijual di ekuitas dan diamortisasi ke laba rugi sampai dengan tanggal jatuh tempo dari obligasi tersebut dengan metode suku bunga efektif. Tingkat suku bunga efektif yang digunakan berkisar 0,11% sampai dengan 0,17% pada tanggal 31 Maret 2015.

In March 2015, the Bank changed its investment objective on the Government Bonds of the Republic of Indonesia with a total nominal value of Rp 476,251 million and transferred such bonds from “available-for-sale” into the “held-to-maturity” classification. Management believes that the Bank has the ability and intention to hold the Government Bonds of the Republic of Indonesia until maturity. The fair value of the Government Bonds of the Republic of Indonesia on the date of the transfer are deemed as the cost of the Government Bonds of the Republic of Indonesia under “held-to-maturity“ classification. The unrealized loss resulting from the transfer of such bonds amounted to Rp 1,604 million which is reported in equity section of the statement of the financial position as part of the unrealized loss on available-for-sale securities, which is amortized using the effective interest method over the term of the bonds. The effective interest rates ranged from 0.11% to 0.17% as of March 31, 2015.

Apabila terhadap efek-efek tersedia untuk dijual di atas tidak dilakukan perubahan tujuan investasi, jumlah kerugian yang belum direalisasi atas efek-efek tersedia untuk dijual pada tanggal 31 Desember 2016 adalah sebesar Rp 103.162 juta.

Had there been no changes in objective on the available-for-sale securities above, the unrealized loss on available-for-sale securities as of December 31, 2016 amounted to Rp 103,162 million.

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Rincian efek-efek berdasarkan penerbit dan peringkat obligasi berdasarkan beberapa perusahaan pemeringkat pada tanggal 31 Desember 2016 dan 2015 adalah sebagai berikut:

Securities classified according to issuers and rating of bonds from various rating companies as of December 31, 2016 and 2015 are as follows:

2016 2015Rp Juta/ Peringkat/ Rp Juta/ Peringkat/

Rp Million Rating Rp Million RatingRupiah Rupiah

Obligasi BondsPemerintah Republik Indonesia 945.997 idBBB- 855.683 idBBB- Government of Republic of IndonesiaPerusahaan lainnya Other companies

Lembaga Pembiayaan Ekspor Lembaga Pembiayaan EksporIndonesia 105.167 idAAA 101.951 idAAA Indonesia

PT Sarana Multigriya Finance 79.765 idAA+ 2.906 idAA+ PT Sarana Multigriya FinancePT Surya Artha Nusantara Finance 53.530 idAA- - PT Surya Artha Nusantara FinancePT Sarana Multi Infrastruktur 50.050 idAAA 48.972 idAA+ PT Sarana Multi InfrastrukturPT Bank Mandiri 27.027 idAAA - PT Bank MandiriPT Indonesia Infrastruktur Finance 23.058 idAAA - PT Indonesia Infrastruktur FinancePT Aneka Tambang 11.000 idBBB+ - PT Aneka TambangPT Astra Sedaya Finance - 51.722 idAA+ PT Astra Sedaya FinancePT Wahana Ottomitra Multiartha - 25.000 idAA PT Wahana Ottomitra MultiarthaPT Federal Internasional Finance - 9.953 idAAA PT Federal Internasional FinancePT Adira Dinamika Multifinance - 6.976 idAA+ PT Adira Dinamika Multifinance

Reksadana ReksadanaDanareksa Seruni Pasar Uang II 50.223 - Danareksa Seruni Pasar Uang II

Surat utang jangka menengah Medium term notesPT Perkebunan Nusantara II 30.000 idAAA 30.000 idA+ PT Perkebunan Nusantara II

Jumlah efek-efek rupiah 1.375.817 1.133.163 Total securities - Rupiah

Dollar Amerika Serikat United States DollarObligasi Bonds

Pemerintah Republik Indonesia - 40.791 idBB+ Government of Republic of Indonesia

Jumlah Efek-efek 1.375.817 1.173.954 Total Securities

Efek-efek telah diperingkat oleh PT Pemeringkat Efek Indonesia (Pefindo) dan Fitch Rating Indonesia.

Securities are rated by PT Pemeringkat Efek Indonesia (Pefindo) and Fitch Rating Indonesia.

Pada Maret 2015, Bank melakukan perubahan tujuan investasi terhadap obligasi Pemerintah Republik Indonesia dengan nilai nominal sebesar Rp 476.251 juta dari klasifikasi “tersedia untuk dijual” ke klasifikasi “dimiliki hingga jatuh tempo”. Manajemen berkeyakinan memiliki kemampuan dan berkeinginan untuk memiliki obligasi Pemerintah Republik Indonesia tersebut hingga jatuh tempo. Nilai wajar obligasi Pemerintah Republik Indonesia pada tanggal perpindahan menjadi nilai buku awal obligasi Pemerintah Republik Indonesia dalam klasifikasi “dimiliki hingga jatuh tempo”. Kerugian yang belum direalisasi atas obligasi yang dipindahkan sebesar Rp 1.604 juta dicatat sebagai bagian dari kerugian yang belum direalisasi atas perubahan nilai wajar efek-efek tersedia untuk dijual di ekuitas dan diamortisasi ke laba rugi sampai dengan tanggal jatuh tempo dari obligasi tersebut dengan metode suku bunga efektif. Tingkat suku bunga efektif yang digunakan berkisar 0,11% sampai dengan 0,17% pada tanggal 31 Maret 2015.

In March 2015, the Bank changed its investment objective on the Government Bonds of the Republic of Indonesia with a total nominal value of Rp 476,251 million and transferred such bonds from “available-for-sale” into the “held-to-maturity” classification. Management believes that the Bank has the ability and intention to hold the Government Bonds of the Republic of Indonesia until maturity. The fair value of the Government Bonds of the Republic of Indonesia on the date of the transfer are deemed as the cost of the Government Bonds of the Republic of Indonesia under “held-to-maturity“ classification. The unrealized loss resulting from the transfer of such bonds amounted to Rp 1,604 million which is reported in equity section of the statement of the financial position as part of the unrealized loss on available-for-sale securities, which is amortized using the effective interest method over the term of the bonds. The effective interest rates ranged from 0.11% to 0.17% as of March 31, 2015.

Apabila terhadap efek-efek tersedia untuk dijual di atas tidak dilakukan perubahan tujuan investasi, jumlah kerugian yang belum direalisasi atas efek-efek tersedia untuk dijual pada tanggal 31 Desember 2016 adalah sebesar Rp 103.162 juta.

Had there been no changes in objective on the available-for-sale securities above, the unrealized loss on available-for-sale securities as of December 31, 2016 amounted to Rp 103,162 million.

PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 44 -

Nilai tercatat dan nilai wajar efek tersedia untuk dijual yang direklasifikasi pada tanggal 31 Maret 2015 adalah sebesar Rp 476.251 juta dan Rp 474.198 juta.

The carrying amount and fair value of available-for-sale securities amounted to Rp 476,251 million and Rp 474,198 million respectively, which are reclassified as of March 31, 2015.

Biaya perolehan efek yang dimiliki hingga jatuh tempo pada tanggal 31 Desember 2016 dan 2015 sebesar Rp 476.251 juta.

Cost of held-to-maturity securities as of December 31, 2016 and 2015 amounted to Rp 476,251 million.

Perubahan kerugian yang belum direalisasi atas efek-efek yang tersedia untuk dijual untuk tahun 2016 dan 2015 adalah sebagai berikut:

The movement of unrealized loss from changes in fair value of available-for-sale securities for 2016 and 2015 are as follows:

2016 2015

Rp Juta/ Rp Juta/

Rp Million Rp Million

Saldo aw al tahun sebelum Balance at beginning of year before pajak penghasilan tangguhan (13.729) (87.645) deferred tax income

Penambahan tahun berjalan (4.251) (11.583) Addition during the yearKerugian yang direalisasi atas penjualan Realized loss on sale during

selama tahun berjalan 3.698 474 the yearPerubahan nilai efek tahun Changes in value of outstanding

berjalan 5.798 85.025 securities during the yearJumlah sebelum pajak Balance at ending of year before

penghasilan tangguhan (8.484) (13.729) deferred tax incomeAset pajak tangguhan - bersih 2.121 3.433 Deferred tax asset - net

Saldo akhir tahun (6.363) (10.296) Balance at ending of year

Nilai wajar pada saat perolehan awal atas efek diperdagangkan pada tanggal 31 Desember 2016 dan 2015 masing-masing sebesar Rp 32.157 juta dan Rp 217.869 juta. Kerugian yang belum direalisasi akibat penurunan nilai wajar efek untuk tahun 2016 dan 2015 masing-masing sebesar Rp 236 juta dan Rp 2.558 juta yang diakui dalam laba rugi tahun berjalan.

Initial fair value of held-for-trading securities as of December 31, 2016 and 2015 amounted to Rp 32,157 million and Rp 217,869 million, respectively. Unrealized loss on decrease in fair values of securities securities for 2016 and 2015 amounted to Rp 236 million and Rp 2,558 million respectively, which are charged to profit or loss.

Pada tanggal 31 Desember 2016 dan 2015, tidak terdapat efek-efek yang dijadikan agunan oleh Bank.

As of December 31, 2016 and 2015, there are no securities which are used as collateral by the Bank.

Tidak terdapat cadangan kerugian penurunan nilai yang diakui untuk efek-efek karena Bank melakukan transaksi dengan pihak yang memiliki reputasi yang baik.

No allowance for impairment losses on securities has been recognized since the Bank’s counterparties have a good reputation.

Keuntungan (kerugian) bersih dari penjualan efek adalah sebagai berikut:

Net gain (loss) on sale of securities are as follows:

2016 2015

Rp Juta/ Rp Juta/Rp Million Rp Million

Diperdagangkan 3.714 2.873 TradingTersedia untuk dijual 5.190 (47) Available-for-sale

Jumlah 8.904 2.826 Total

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 45 -

Nilai tercatat biaya perolehan diamortisasi dari efek-efek dimiliki hingga jatuh tempo adalah sebagai berikut:

The carrying amount of held-to-maturities securities at amortized cost is as follows:

2016 2015Rp Juta/ Rp Juta/Rp Million Rp Million

Efek-efek 476.251 476.251 SecuritiesPendapatan bunga yang masih akan Accrued interest receivable

diterima (Catatan 17) 4.357 4.333 (Note 17)

Jumlah 480.608 480.584 Total

10. TAGIHAN DAN LIABILITAS DERIVATIF

10. DERIVATIVE RECEIVABLES AND PAYABLES

Bank melakukan transaksi derivatif dalam bentuk pembelian dan penjualan berjangka valuta asing (forward) dan swap untuk tujuan trading.

The Bank’s derivative instruments, principally consist of forward foreign exchange contracts and swap contracts for trading purposes.

Transaksi swap terdiri dari kontrak swap mata uang asing. Transaksi tersebut merupakan komitmen untuk melunasi liabilitas dalam mata uang asing dengan kurs yang ditentukan terlebih dahulu.

Swap transactions consists of foreign currency swap contracts. Such currency swap transactions are commitments to settle in cash on a future date an obligation in foreign currency at a predetermined rate of exchange.

Risiko pasar dari transaksi derivatif timbul sebagai akibat dari adanya perubahan nilai potensial fluktuasi kurs mata uang, sedangkan risiko kredit timbul dalam hal pihak lain tidak dapat memenuhi liabilitasnya kepada Bank. Jangka waktu dari pembelian dan penjualan berjangka valuta asing pada tanggal 31 Desember 2016 dan 2015 masing-masing berkisar antara 5 sampai 363 hari dan 4 sampai 370 hari.

The market risk of derivative transactions arise from potential changes in value due to fluctuations in foreign exchange rates, while credit risk is the possibility that a loss may occur due to the failure of a counterparty to fulfill its obligations. According to the term of the contract as of December 31, 2016 and 2015, the Bank’s derivative instruments have terms ranging from 5 to 363 days and 4 to 370 days, respectively.

Rincian tagihan dan liabilitas derivatif pada tanggal 31 Desember 2016 dan 2015 adalah sebagai berikut:

The details of derivative receivables and payables as of December 31, 2016 and 2015 are as follows:

2016

Jumlah nosional/ Nilai wajar/Notional amount Fair value

Beli/ Jual/ Tagihan/ Liabilitas/Buy Sell Receivables Payables

Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/Rp Million Rp Million Rp Million Rp Million

Forward ForwardDollar Amerika Serikat United States Dollar

Perusahaan lainnya - 211.320 2.058 - Other companiesStandard Chartered Bank 135.805 - 77 384 Standard Chartered BankPT Bank Jtrust Indonesia 40.410 - 43 - PT Bank Jtrust Indonesia

Sub jumlah 176.215 211.320 2.178 384 Sub total

Swap SwapDollar Amerika Serikat United States Dollar

Bank Indonesia 539.940 - 2.475 3.033 Bank Indonesia

Spot SpotDollar Amerika Serikat United States Dollar

Bank Sinarmas - 26.874 - 71 Bank SinarmasBank China Construction Bank China Construction Indonesia (d/h Bank Windu) 13.472 - 8 - Indonesia (d/h Bank Windu)Standard Chartered Bank 73.920 60.560 181 88 Standard Chartered Bank

Sub jumlah 87.392 87.434 189 159 Sub total

Jumlah 803.547 298.754 4.842 3.576 Total

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 45 -

Nilai tercatat biaya perolehan diamortisasi dari efek-efek dimiliki hingga jatuh tempo adalah sebagai berikut:

The carrying amount of held-to-maturities securities at amortized cost is as follows:

2016 2015Rp Juta/ Rp Juta/Rp Million Rp Million

Efek-efek 476.251 476.251 SecuritiesPendapatan bunga yang masih akan Accrued interest receivable

diterima (Catatan 17) 4.357 4.333 (Note 17)

Jumlah 480.608 480.584 Total

10. TAGIHAN DAN LIABILITAS DERIVATIF

10. DERIVATIVE RECEIVABLES AND PAYABLES

Bank melakukan transaksi derivatif dalam bentuk pembelian dan penjualan berjangka valuta asing (forward) dan swap untuk tujuan trading.

The Bank’s derivative instruments, principally consist of forward foreign exchange contracts and swap contracts for trading purposes.

Transaksi swap terdiri dari kontrak swap mata uang asing. Transaksi tersebut merupakan komitmen untuk melunasi liabilitas dalam mata uang asing dengan kurs yang ditentukan terlebih dahulu.

Swap transactions consists of foreign currency swap contracts. Such currency swap transactions are commitments to settle in cash on a future date an obligation in foreign currency at a predetermined rate of exchange.

Risiko pasar dari transaksi derivatif timbul sebagai akibat dari adanya perubahan nilai potensial fluktuasi kurs mata uang, sedangkan risiko kredit timbul dalam hal pihak lain tidak dapat memenuhi liabilitasnya kepada Bank. Jangka waktu dari pembelian dan penjualan berjangka valuta asing pada tanggal 31 Desember 2016 dan 2015 masing-masing berkisar antara 5 sampai 363 hari dan 4 sampai 370 hari.

The market risk of derivative transactions arise from potential changes in value due to fluctuations in foreign exchange rates, while credit risk is the possibility that a loss may occur due to the failure of a counterparty to fulfill its obligations. According to the term of the contract as of December 31, 2016 and 2015, the Bank’s derivative instruments have terms ranging from 5 to 363 days and 4 to 370 days, respectively.

Rincian tagihan dan liabilitas derivatif pada tanggal 31 Desember 2016 dan 2015 adalah sebagai berikut:

The details of derivative receivables and payables as of December 31, 2016 and 2015 are as follows:

2016

Jumlah nosional/ Nilai wajar/Notional amount Fair value

Beli/ Jual/ Tagihan/ Liabilitas/Buy Sell Receivables Payables

Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/Rp Million Rp Million Rp Million Rp Million

Forward ForwardDollar Amerika Serikat United States Dollar

Perusahaan lainnya - 211.320 2.058 - Other companiesStandard Chartered Bank 135.805 - 77 384 Standard Chartered BankPT Bank Jtrust Indonesia 40.410 - 43 - PT Bank Jtrust Indonesia

Sub jumlah 176.215 211.320 2.178 384 Sub total

Swap SwapDollar Amerika Serikat United States Dollar

Bank Indonesia 539.940 - 2.475 3.033 Bank Indonesia

Spot SpotDollar Amerika Serikat United States Dollar

Bank Sinarmas - 26.874 - 71 Bank SinarmasBank China Construction Bank China Construction Indonesia (d/h Bank Windu) 13.472 - 8 - Indonesia (d/h Bank Windu)Standard Chartered Bank 73.920 60.560 181 88 Standard Chartered Bank

Sub jumlah 87.392 87.434 189 159 Sub total

Jumlah 803.547 298.754 4.842 3.576 Total

PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 46 -

2015Jumlah nosional/ Nilai wajar/Notional amount Fair value

Beli/ Jual/ Tagihan/ Liabilitas/Buy Sell Receivables Payables

Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/Rp Million Rp Million Rp Million Rp Million

Forward ForwardDollar Amerika Serikat United States Dollar

Perusahaan lainnya - 438.337 7.519 - Other companiesBank Indonesia 258.803 - 656 3.626 Bank Indonesia

Sub jumlah 258.803 438.337 8.175 3.626 Sub total

Dollar Australia Australian DollarStandard Chartered Bank - 1.384 - 28 Standard Chartered Bank

Spot SpotDollar Amerika Serikat United States Dollar

Bank Sinarmas - 13.800 10 - Bank SinarmasBank Nationalnobu - 2.069 - - Bank NationalnobuBank Permata 13.785 68.986 56 - Bank PermataStandard Chartered Bank 41.415 1.807 - 60 Standard Chartered Bank

Sub jumlah 55.200 86.662 66 60 Sub total

Dollar Singapura Singapore DollarBank Nationalnobu - 1.464 - - Bank Nationalnobu

Jumlah 314.003 527.847 8.241 3.714 Total

11. KREDIT

11. LOANS

Kredit memiliki suku bunga tetap maupun mengambang, sehingga Bank terpapar risiko suku bunga atas nilai wajar (fair value interest rate risk) dan risiko suku bunga atas arus kas (cash flow interest rate risk).

Loans are arranged at both fixed and floating interest rates, thus exposing the Bank to fair value interest rate risk and cash flow interest rate risk.

a. Jenis Pinjaman

a. By Type of Loan

2016 2015

Rp Juta/ Rp Juta/Rp Million Rp Million

Rupiah RupiahKredit modal kerja 3.705.332 3.260.578 Working capital loansKredit konsumsi 1.592.823 1.334.151 Consumer loansKredit investasi 1.132.564 718.987 Investment loansPinjaman sindikasi 1.061.859 895.744 Syndicated loansPinjaman karyawan 40.860 37.582 Employee loans

Jumlah - Rupiah 7.533.438 6.247.042 Total - Rupiah

Valuta asing Foreign currenciesKredit modal kerja 363.840 673.462 Working capital loansKredit investasi 97.038 164.723 Investment loans

Jumlah - Valuta asing 460.878 838.185 Total - Foreign currencies

Jumlah 7.994.316 7.085.227 Total Cadangan kerugian penurunan nilai (52.521) (37.962) Allowance for impairment losses

Jumlah Kredit - Bersih 7.941.795 7.047.265 Total Loans - Net

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 47 -

b. Sektor Ekonomi b. By Economic Sector

2016 2015Rp Juta/ Rp Juta/Rp Million Rp Million

Rupiah RupiahJasa-jasa dunia usaha 2.569.640 1.765.160 Business servicesPerdagangan, restoran dan hotel 818.520 714.266 Trading, restaurant and hotelPerindustrian 771.549 757.391 ManufacturingKonstruksi 386.254 350.541 Construction

Transportation, w arehouses and Angkutan, gudang dan komunikasi 223.078 301.149 communicationListrik, gas dan air 50.278 51.114 Electricity, gas and w aterJasa sosial/masyarakat 26.855 37.636 Social/public servicesPertambangan 19.858 450 MiningPertanian dan perhutanan 2.555 7.112 Agriculture and forestryLainnya 2.664.851 2.262.223 Others

Jumlah - Rupiah 7.533.438 6.247.042 Total - Rupiah

Valuta asing Foreign currenciesPerindustrian 306.313 494.227 Manufacturing

Transportation, w arehouses and Angkutan, gudang dan komunikasi 65.217 89.216 communicationKonstruksi 33.623 37.095 ConstructionJasa-jasa dunia usaha 22.864 146.410 Business servicesPertambangan 15.662 21.702 MiningJasa sosial/masyarakat 14.331 17.555 Social/public servicesPerdagangan, restoran dan hotel 1.957 30.581 Trading, restaurant and hotelListrik, gas dan air 911 1.399 Electricity, gas and w ater

Jumlah - Valuta asing 460.878 838.185 Total - Foreign currencies

Jumlah 7.994.316 7.085.227 Total Cadangan kerugian penurunan nilai (52.521) (37.962) Allow ance for impairment losses

Jumlah Kredit - Bersih 7.941.795 7.047.265 Total Loans - Net

Sektor ekonomi lain-lain terdiri dari perikanan, penyediaan akomodasi, listrik, gas dan air, transportasi, perantara keuangan, real estate dan rumah tangga.

Others economic sector consists of fishery, accomodation, electricity, gas and water, transportation, financial services, real estate developer and household.

c. Berdasarkan kolektibilitas Otoritas Jasa

Keuangan (Bank Indonesia) c. Based on Financial Service Authority’s

(Bank Indonesia) collectibility

2016 2015Rp Juta/ Rp Juta/Rp Million Rp Million

Lancar 7.014.356 6.223.807 CurrentDalam perhatian khusus 758.670 652.046 Special mentionKurang lancar 12.286 41.335 SubstandardDiragukan 23.546 12.492 DoubtfulMacet 185.458 155.547 Loss

Jumlah 7.994.316 7.085.227 TotalCadangan kerugian penurunan nilai (52.521) (37.962) Allow ance for impairment losses

Jumlah Kredit - Bersih 7.941.795 7.047.265 Total Loans - Net

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 47 -

b. Sektor Ekonomi b. By Economic Sector

2016 2015Rp Juta/ Rp Juta/Rp Million Rp Million

Rupiah RupiahJasa-jasa dunia usaha 2.569.640 1.765.160 Business servicesPerdagangan, restoran dan hotel 818.520 714.266 Trading, restaurant and hotelPerindustrian 771.549 757.391 ManufacturingKonstruksi 386.254 350.541 Construction

Transportation, w arehouses and Angkutan, gudang dan komunikasi 223.078 301.149 communicationListrik, gas dan air 50.278 51.114 Electricity, gas and w aterJasa sosial/masyarakat 26.855 37.636 Social/public servicesPertambangan 19.858 450 MiningPertanian dan perhutanan 2.555 7.112 Agriculture and forestryLainnya 2.664.851 2.262.223 Others

Jumlah - Rupiah 7.533.438 6.247.042 Total - Rupiah

Valuta asing Foreign currenciesPerindustrian 306.313 494.227 Manufacturing

Transportation, w arehouses and Angkutan, gudang dan komunikasi 65.217 89.216 communicationKonstruksi 33.623 37.095 ConstructionJasa-jasa dunia usaha 22.864 146.410 Business servicesPertambangan 15.662 21.702 MiningJasa sosial/masyarakat 14.331 17.555 Social/public servicesPerdagangan, restoran dan hotel 1.957 30.581 Trading, restaurant and hotelListrik, gas dan air 911 1.399 Electricity, gas and w ater

Jumlah - Valuta asing 460.878 838.185 Total - Foreign currencies

Jumlah 7.994.316 7.085.227 Total Cadangan kerugian penurunan nilai (52.521) (37.962) Allow ance for impairment losses

Jumlah Kredit - Bersih 7.941.795 7.047.265 Total Loans - Net

Sektor ekonomi lain-lain terdiri dari perikanan, penyediaan akomodasi, listrik, gas dan air, transportasi, perantara keuangan, real estate dan rumah tangga.

Others economic sector consists of fishery, accomodation, electricity, gas and water, transportation, financial services, real estate developer and household.

c. Berdasarkan kolektibilitas Otoritas Jasa

Keuangan (Bank Indonesia) c. Based on Financial Service Authority’s

(Bank Indonesia) collectibility

2016 2015Rp Juta/ Rp Juta/Rp Million Rp Million

Lancar 7.014.356 6.223.807 CurrentDalam perhatian khusus 758.670 652.046 Special mentionKurang lancar 12.286 41.335 SubstandardDiragukan 23.546 12.492 DoubtfulMacet 185.458 155.547 Loss

Jumlah 7.994.316 7.085.227 TotalCadangan kerugian penurunan nilai (52.521) (37.962) Allow ance for impairment losses

Jumlah Kredit - Bersih 7.941.795 7.047.265 Total Loans - Net

PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 48 -

d. Berdasarkan penilaian internal Bank d. Based on Bank’s internal assesment

2016 2015Rp Juta/ Rp Juta/Rp Million Rp Million

Kredit yang dinilai secara individual Loans assessed individuallyBaki debet 563.346 369.580 OutstandingCadangan kerugian penurunan Allow ance for impairment

nilai (24.921) (18.084) losses

Jumlah 538.425 351.496 Total

Kredit yang dinilai secara kolektif Loans assessed collectivelyBaki debet 7.430.970 6.715.647 OutstandingCadangan kerugian penurunan Allow ance for impairment

nilai (27.600) (19.878) losses

Jumlah 7.403.370 6.695.769 Total

Jumlah Kredit - Bersih 7.941.795 7.047.265 Total loan - net

e. Jangka Waktu

Jangka waktu pinjaman diklasifikasikan berdasarkan periode pinjaman dalam perjanjian kredit adalah sebagai berikut:

e. By Period

Loans classified based on the term of the loan agreements are as follows:

2016 2015

Rp Juta/ Rp Juta/Rp Million Rp Million

1 tahun 1.428.959 2.168.431 1 year> 1 - 2 tahun 976.943 441.990 > 1 - 2 years> 2 - 5 tahun 3.068.694 2.966.481 > 2 - 5 years> 5 tahun 2.519.720 1.508.325 > 5 yearsJumlah 7.994.316 7.085.227 TotalCadangan kerugian penurunan nilai (52.521) (37.962) Allow ance for impairment losses

Jumlah Kredit - Bersih 7.941.795 7.047.265 Total Loans - Net

f. Tingkat bunga efektif rata-rata per tahun f. Average annual effective interest rates

2016 2015

Rupiah RupiahKredit investasi 19,31% 18,72% Investment loansKredit modal kerja 13,93% 14,47% Working capital loansKredit konsumsi 13,49% 13,51% Consumer loansKartu kredit 33,55% 34,65% Credit cardPinjaman sindikasi 12,76% 12,97% Syndicated loans

Dolar Amerika Serikat United States DollarKredit investasi 7,03% 6,91% Investment loansKredit modal kerja 7,02% 7,02% Working capital loans

Dolar Singapura Singapore DollarKredit modal kerja 6,90% 6,90% Working capital loans

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 49 -

Berikut adalah informasi pokok lainnya sehubungan dengan kredit: 1) Kredit dijamin dengan agunan yang diikat

dengan hak tanggungan atau surat kuasa untuk menjual dan jaminan lain yang umumnya diterima oleh perbankan. Kredit juga dijamin dengan jaminan tunai berupa giro, tabungan dan deposito berjangka (Catatan 18). Manajemen berkeyakinan agunan yang diterima tersebut cukup untuk menutup kerugian yang mungkin timbul akibat tidak tertagihnya kredit yang diberikan.

Other major information on loans are as follows:

1) Loans are secured by collateral, which are

legalized by deed of encumbrance, power of attorney to sell and other collaterals that are generally accepted in the banking industry. Loans are also secured by cash collateral, in the form of demand deposits, savings deposits and time deposits (Note 18). Management believes that collateral received from debtor is adequate to cover possible losses on uncollectible loan.

2) Kredit untuk modal kerja dan investasi terdiri dari pinjaman jangka panjang, tetap, berulang dan diskonto, sedangkan kredit konsumsi terdiri dari kredit pemilikan rumah, kredit kendaraan bermotor dan kredit konsumsi lain.

2) Loans for working capital and investments include long-term, fixed, revolving and discounted loans, while consumer loans include housing, car and other consumer loans.

3) Kredit dalam Rupiah berjangka waktu 1 bulan

sampai 26 tahun, sedangkan kredit dalam valuta asing berjangka waktu antara 1 bulan sampai 10 tahun. Kredit dalam rangka pembiayaan bersama dalam Rupiah berjangka waktu 1 sampai dengan 10 tahun.

3) Loans in Rupiah have terms ranging from 1 month to 26 years, while those in foreign currencies have terms ranging from 1 month to 10 years. Syndicated loans have terms of 1 to 10 years for Rupiah.

4) Keikutsertaan Bank sebagai anggota sindikasi dengan persentase penyertaan berkisar antara 4% sampai 50% dan 8% sampai 50% masing-masing pada tanggal 31 Desember 2016 dan 2015.

4) The Bank’s participation as a member in syndicated loans ranges from 4% to 50% and 8% to 50% as of December 31, 2016 and 2015, respectively.

5) Kredit yang diberikan kepada karyawan Bank

merupakan kredit yang diberikan untuk membeli rumah, kendaraan dan keperluan lainnya dengan jangka waktu 5 bulan sampai 20 tahun dan dibayar kembali melalui pemotongan gaji setiap bulan. Kredit yang diberikan kepada karyawan dibebani tingkat bunga efektif rata-rata per tahun sebesar 5,54% dan 5,80% pada tanggal 31 Desember 2016 dan 2015.

5) Employee loans for the purchase of houses, cars and other necessities with terms of 5 months to 20 years are payable through salary deduction. Employee loans earn average annual effective interest rate of 5.54% and 5.80% as of December 31, 2016 and 2015, respectively.

6) Dalam jumlah kredit termasuk kredit yang diberikan kepada pihak yang berelasi sebesar Rp 102.115 juta dan Rp 57.343 juta setelah dikurangi cadangan kerugian penurunan nilai (berdasarkan penurunan nilai secara kolektif) sebesar Rp 14 juta dan Rp 6 juta masing-masing pada tanggal 31 Desember 2016 dan 2015 (Catatan 37).

6) Total loans include loans to related parties amounting to Rp 102,115 million and Rp 57,343 million net of allowance for impairment losses (based on collective impairment) of Rp 14 million and Rp 6 million as of December 31, 2016 and 2015, respectively (Note 37).

Seluruh kredit yang diberikan kepada pihak yang berelasi pada tanggal 31 Desember 2016 dan 2015 tidak lewat jatuh tempo dan tidak mengalami penurunan nilai.

All of loans to related parties as of December 31, 2016 and 2015 are neither past due nor impaired.

7) Rasio kredit usaha mikro dan kecil terhadap kredit yang diberikan adalah sebesar 0,59% dan 1,24% masing-masing pada tanggal 31 Desember 2016 dan 2015.

7) The ratio of micro and of small business loans to total loans as of December 31, 2016 and 2015 is 0.59% and 1.24%, respectively.

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 49 -

Berikut adalah informasi pokok lainnya sehubungan dengan kredit: 1) Kredit dijamin dengan agunan yang diikat

dengan hak tanggungan atau surat kuasa untuk menjual dan jaminan lain yang umumnya diterima oleh perbankan. Kredit juga dijamin dengan jaminan tunai berupa giro, tabungan dan deposito berjangka (Catatan 18). Manajemen berkeyakinan agunan yang diterima tersebut cukup untuk menutup kerugian yang mungkin timbul akibat tidak tertagihnya kredit yang diberikan.

Other major information on loans are as follows:

1) Loans are secured by collateral, which are

legalized by deed of encumbrance, power of attorney to sell and other collaterals that are generally accepted in the banking industry. Loans are also secured by cash collateral, in the form of demand deposits, savings deposits and time deposits (Note 18). Management believes that collateral received from debtor is adequate to cover possible losses on uncollectible loan.

2) Kredit untuk modal kerja dan investasi terdiri dari pinjaman jangka panjang, tetap, berulang dan diskonto, sedangkan kredit konsumsi terdiri dari kredit pemilikan rumah, kredit kendaraan bermotor dan kredit konsumsi lain.

2) Loans for working capital and investments include long-term, fixed, revolving and discounted loans, while consumer loans include housing, car and other consumer loans.

3) Kredit dalam Rupiah berjangka waktu 1 bulan

sampai 26 tahun, sedangkan kredit dalam valuta asing berjangka waktu antara 1 bulan sampai 10 tahun. Kredit dalam rangka pembiayaan bersama dalam Rupiah berjangka waktu 1 sampai dengan 10 tahun.

3) Loans in Rupiah have terms ranging from 1 month to 26 years, while those in foreign currencies have terms ranging from 1 month to 10 years. Syndicated loans have terms of 1 to 10 years for Rupiah.

4) Keikutsertaan Bank sebagai anggota sindikasi dengan persentase penyertaan berkisar antara 4% sampai 50% dan 8% sampai 50% masing-masing pada tanggal 31 Desember 2016 dan 2015.

4) The Bank’s participation as a member in syndicated loans ranges from 4% to 50% and 8% to 50% as of December 31, 2016 and 2015, respectively.

5) Kredit yang diberikan kepada karyawan Bank

merupakan kredit yang diberikan untuk membeli rumah, kendaraan dan keperluan lainnya dengan jangka waktu 5 bulan sampai 20 tahun dan dibayar kembali melalui pemotongan gaji setiap bulan. Kredit yang diberikan kepada karyawan dibebani tingkat bunga efektif rata-rata per tahun sebesar 5,54% dan 5,80% pada tanggal 31 Desember 2016 dan 2015.

5) Employee loans for the purchase of houses, cars and other necessities with terms of 5 months to 20 years are payable through salary deduction. Employee loans earn average annual effective interest rate of 5.54% and 5.80% as of December 31, 2016 and 2015, respectively.

6) Dalam jumlah kredit termasuk kredit yang diberikan kepada pihak yang berelasi sebesar Rp 102.115 juta dan Rp 57.343 juta setelah dikurangi cadangan kerugian penurunan nilai (berdasarkan penurunan nilai secara kolektif) sebesar Rp 14 juta dan Rp 6 juta masing-masing pada tanggal 31 Desember 2016 dan 2015 (Catatan 37).

6) Total loans include loans to related parties amounting to Rp 102,115 million and Rp 57,343 million net of allowance for impairment losses (based on collective impairment) of Rp 14 million and Rp 6 million as of December 31, 2016 and 2015, respectively (Note 37).

Seluruh kredit yang diberikan kepada pihak yang berelasi pada tanggal 31 Desember 2016 dan 2015 tidak lewat jatuh tempo dan tidak mengalami penurunan nilai.

All of loans to related parties as of December 31, 2016 and 2015 are neither past due nor impaired.

7) Rasio kredit usaha mikro dan kecil terhadap kredit yang diberikan adalah sebesar 0,59% dan 1,24% masing-masing pada tanggal 31 Desember 2016 dan 2015.

7) The ratio of micro and of small business loans to total loans as of December 31, 2016 and 2015 is 0.59% and 1.24%, respectively.

PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 50 -

8) Pada tanggal 31 Desember 2016 dan 2015, tidak terdapat kredit yang dijadikan agunan oleh Bank.

8) As of December 31, 2016 and 2015, there are no loans pledged as collateral by the Bank.

9) Pada tanggal 31 Desember 2016 dan 2015, rincian kredit yang direstrukturisasi menurut jenis pinjaman sebelum cadangan kerugian penurunan nilai adalah sebagai berikut:

9) As of December 31, 2016 and 2015, the details of restructured loans classified based on types of loans, gross of allowance of impairment losses are as follows:

2016 2015

Rp Juta/ Rp Juta/Rp Million Rp Million

Rupiah RupiahKredit modal kerja 510.052 328.535 Working capital loansKredit investasi 136.387 42.528 Investment loansPinjaman sindikasi 35.597 - Syndicated loansKredit konsumsi 1.296 110.817 Consumer loans

Jumlah - Rupiah 683.332 481.880 Total - Rupiah

Valuta asing Foreign currenciesKredit modal kerja 55.105 38.262 Working capital loansKredit investasi 1.495 10.705 Investment loans

Jumlah - Valuta asing 56.600 48.967 Total - Foreign currencies

Jumlah Kredit 739.932 530.847 Total Loans

Selama tahun 2016 dan 2015, Bank telah melakukan penyelamatan kembali atas kredit untuk beberapa debitur masing-masing sebesar Rp 606.115 juta dan Rp 438.560 juta.

In 2016 and 2015, the Bank has restructured loans for some debtors amounting to Rp 606,115 million and Rp 438,560 million, respectively.

10) Pada tahun 2016 dan 2015, rincian kredit yang direstrukturisasi berdasarkan kolektibilitas Otoritas Jasa Keuangan (Bank Indonesia) sebelum cadangan kerugian penurunan nilai adalah sebagai berikut:

10) In 2016 and 2015, the details of restructured loans based on Financial Services Autrhority’s (Bank Indonesia) collectibility gross of allowance of impairment losses are as follows:

2016 2015Rp Juta/ Rp Juta/

Rp Million Rp Million

Lancar 232.914 302.130 CurrentDalam Perhatian Khusus 482.009 203.507 Special MentionKurang Lancar 5.474 7.992 SubstandardDiragukan 300 280 DoubtfulMacet 19.235 16.938 Loss

Jumlah 739.932 530.847 Total

11) Pada tanggal 31 Desember 2016 dan 2015,

fasilitas kredit yang disalurkan dengan sistem pembiayaan bersama (joint financing) dan penyaluran kredit melalui lembaga pembiayaan untuk menyalurkan kredit kendaraan motor, mobil dan rumah masing-masing sebesar Rp 1.027.854 juta dan Rp 833.769 juta.

11) As of December 31, 2016 and 2015, loan facilities with joint financing arrangements and credits chanelled through financing companies in granting motorcycle, car and housing loan amounted to Rp 1,027,854 million and Rp 833,769 million, respectively.

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 51 -

12) Rasio non-performing loan (NPL) yang dihitung berdasarkan Surat Edaran Bank Indonesia No. 13/30/DPNP tanggal 16 Desember 2011 adalah sebagai berikut:

12) Non-performing loan (NPL) ratio calculated based on Circular Letter of Bank Indonesia No. 13/30/DPNP dated December 16, 2011 are as follows:

2016 2015

NPL Bruto 2,77% 2,97% Gross NPLNPL Neto 2,38% 2,43% Net NPL

13) Dalam laporan Batas Maksimum Pemberian Kredit (BMPK) kepada Bank Indonesia pada tanggal 31 Desember 2016 dan 2015 tidak terdapat kredit yang tidak memenuhi ketentuan BMPK.

13) As of December 31, 2016 and 2015, there are no loans that exceeded the legal lending limit (BMPK) as stated in the legal lending limit report submitted to Bank Indonesia.

14) Pada tanggal 31 Desember 2016 dan 2015,

rincian kredit bermasalah menurut sektor ekonomi adalah sebagai berikut:

14) As of December 31, 2016 and 2015, the details of non-performing loans based on economic sector are as follows:

Penyisihan PenyisihanKredit penurunan Kredit penurunan

bermasalah/ nilai/ bermasalah/ nilai/Non-performing Allowance for Non-performing Allowance for

loans impairment losses loans impairment lossesRp Juta/ Rp Juta/ Rp Juta/ Rp Juta/

Rp Million Rp Million Rp Million Rp MillionRupiah Rupiah

Perdagangan, restoran Trading, restaurantdan hotel 109.805 10.295 67.583 8.293 and hotel

Perindustrian 21.202 6.385 14.150 2.282 ManufacturingJasa-jasa dunia usaha 15.092 2.172 39.939 2.829 Business servicesJasa sosial/masyarakat 10.686 1.050 6.895 1.003 Social/public servicesKonstruksi 6.543 696 2.168 409 ConstructionAngkutan, gudang Transportation, warehouses

dan komunikasi 5.183 1.962 25.596 2.747 and communicationPertanian dan perhutanan 1.675 561 898 279 Agriculture and forestryLainnya 51.104 7.824 52.145 2.928 Others

Jumlah 221.290 30.945 209.374 20.770 Total

2016 2015

15) Mutasi cadangan kerugian penurunan nilai

adalah sebagai berikut:

15) The changes in allowance for impairment losses are as follows:

Valuta Valutaasing/ asing/

Foreign Jumlah/ Foreign Jumlah/Rupiah currencies Total Rupiah currencies TotalRp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/

Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million

Saldo awal tahun 37.009 953 37.962 100.984 27.418 128.402 Balance at beginning of yearPenyisihan (pemulihan)

tahun berjalan Provision (reversal of provision)(Catatan 31) during the year (Note 31)

Individual 20.811 (11) 20.800 (38.762) 38.206 (556) IndividualKolektif 19.471 (391) 19.080 5.287 330 5.617 Collective

Penghapusan (25.283) - (25.283) (30.500) (67.181) (97.681) Write-offSelisih kurs - (38) (38) - 2.180 2.180 Exchange rate differences

Saldo akhir tahun 52.008 513 52.521 37.009 953 37.962 Balance at end of year

2016 2015

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 51 -

12) Rasio non-performing loan (NPL) yang dihitung berdasarkan Surat Edaran Bank Indonesia No. 13/30/DPNP tanggal 16 Desember 2011 adalah sebagai berikut:

12) Non-performing loan (NPL) ratio calculated based on Circular Letter of Bank Indonesia No. 13/30/DPNP dated December 16, 2011 are as follows:

2016 2015

NPL Bruto 2,77% 2,97% Gross NPLNPL Neto 2,38% 2,43% Net NPL

13) Dalam laporan Batas Maksimum Pemberian Kredit (BMPK) kepada Bank Indonesia pada tanggal 31 Desember 2016 dan 2015 tidak terdapat kredit yang tidak memenuhi ketentuan BMPK.

13) As of December 31, 2016 and 2015, there are no loans that exceeded the legal lending limit (BMPK) as stated in the legal lending limit report submitted to Bank Indonesia.

14) Pada tanggal 31 Desember 2016 dan 2015,

rincian kredit bermasalah menurut sektor ekonomi adalah sebagai berikut:

14) As of December 31, 2016 and 2015, the details of non-performing loans based on economic sector are as follows:

Penyisihan PenyisihanKredit penurunan Kredit penurunan

bermasalah/ nilai/ bermasalah/ nilai/Non-performing Allowance for Non-performing Allowance for

loans impairment losses loans impairment lossesRp Juta/ Rp Juta/ Rp Juta/ Rp Juta/

Rp Million Rp Million Rp Million Rp MillionRupiah Rupiah

Perdagangan, restoran Trading, restaurantdan hotel 109.805 10.295 67.583 8.293 and hotel

Perindustrian 21.202 6.385 14.150 2.282 ManufacturingJasa-jasa dunia usaha 15.092 2.172 39.939 2.829 Business servicesJasa sosial/masyarakat 10.686 1.050 6.895 1.003 Social/public servicesKonstruksi 6.543 696 2.168 409 ConstructionAngkutan, gudang Transportation, warehouses

dan komunikasi 5.183 1.962 25.596 2.747 and communicationPertanian dan perhutanan 1.675 561 898 279 Agriculture and forestryLainnya 51.104 7.824 52.145 2.928 Others

Jumlah 221.290 30.945 209.374 20.770 Total

2016 2015

15) Mutasi cadangan kerugian penurunan nilai

adalah sebagai berikut:

15) The changes in allowance for impairment losses are as follows:

Valuta Valutaasing/ asing/

Foreign Jumlah/ Foreign Jumlah/Rupiah currencies Total Rupiah currencies TotalRp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/

Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million

Saldo awal tahun 37.009 953 37.962 100.984 27.418 128.402 Balance at beginning of yearPenyisihan (pemulihan)

tahun berjalan Provision (reversal of provision)(Catatan 31) during the year (Note 31)

Individual 20.811 (11) 20.800 (38.762) 38.206 (556) IndividualKolektif 19.471 (391) 19.080 5.287 330 5.617 Collective

Penghapusan (25.283) - (25.283) (30.500) (67.181) (97.681) Write-offSelisih kurs - (38) (38) - 2.180 2.180 Exchange rate differences

Saldo akhir tahun 52.008 513 52.521 37.009 953 37.962 Balance at end of year

2016 2015

PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 52 -

Nilai baki debet atas debitur-debitur yang cadangan kerugian penurunan nilai dihitung secara individual sebesar Rp 563.346 juta dan Rp 369.580 juta masing-masing pada tanggal 31 Desember 2016 dan 2015. Debitur-debitur tersebut termasuk dalam sektor ekonomi perindustrian, konstruksi, perdagangan, restoran dan hotel, angkutan, gudang dan komunikasi, jasa-jasa dunia usaha, jasa sosial/masyarakat dan lainnya.

The outstanding amount of debtors whose allowance for impairment losses are calculated individually amounted to Rp 563,346 million and Rp 369,580 million as of December, 31 2016 and 2015, respectively. The economic sector in which the debtors belong to include manufacturing, construction, trading, restaurant and hotel, transportation, warehouses and communication, business services, social/public services and others.

Manajemen berpendapat bahwa cadangan kerugian penurunan nilai kredit adalah cukup untuk menutup kerugian yang mungkin timbul akibat tidak tertagihnya kredit.

Management believes that the allowance for impairment losses on loans is adequate to cover the losses which might arise from uncollectible loans.

16) Mutasi kredit yang dihapus buku adalah sebagai berikut:

16) The changes in the loans written-off are as follows:

Valuta Valutaasing/ asing/

Foreign Jumlah/ Foreign Jumlah/Rupiah currencies Total Rupiah currencies Total

Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/Rp M illion Rp M illion Rp M illion Rp M illion Rp M illion Rp M illion

Saldo awal tahun 596.540 87.428 683.968 574.980 20.247 595.227 Balance at beginning of yearPenambahan dalam tahun

berjalan 25.283 - 25.283 30.500 67.181 97.681 Additions during the yearPenerimaan kembali (32.465) - (32.465) (8.940) - (8.940) RecoveryHapus tagih (227.257) - (227.257) - - - Write-offSaldo akhir tahun 362.101 87.428 449.529 596.540 87.428 683.968 Balance at end of year

20152016

Kredit yang dihapus buku dicatat dalam rekening administratif. Bank terus melakukan upaya penagihan atas kredit yang telah dihapus buku tersebut.

Loans written-off is recorded in administrative account. The Bank is continuously collecting these loans written-off.

17) Nilai tercatat biaya perolehan diamortisasi dari kredit yang diberikan adalah sebagai berikut:

18) 17) The carrying amount of loans at amortised cost is as follows:

2016 2015

Rp Juta/ Rp Juta/Rp Million Rp Million

Kredit 7.994.316 7.085.227 LoansPendapatan bunga yang masih Accrued interest receivable

akan diterima (Catatan 17) 57.550 49.638 (Note 17)Cadangan kerugian penurunan nilai (52.521) (37.962) Allow ance for impairment losses

Jumlah 7.999.345 7.096.903 Total

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 53 -

12. TAGIHAN DAN LIABILITAS AKSEPTASI

12. ACCEPTANCES RECEIVABLE AND PAYABLE

2016 2015Rp Juta/ Rp Juta/Rp Million Rp Million

Tagihan Akseptasi Acceptances ReceivableValuta asing 89.276 21.234 Foreign currencies

Liabilitas Akseptasi Acceptances PayableValuta asing 89.276 21.234 Foreign currencies

Tagihan dan liabilitas akseptasi berdasarkan jangka waktu perjanjian adalah sebagai berikut:

The acceptances receivable and payable classified according to original term are as follows:

Tagihan/ Liabilitas/ Tagihan/ Liabilitas/Receiv able Pay able Receiv able Pay ableRp Juta/ Rp Juta/ Rp Juta/ Rp Juta/Rp Million Rp Million Rp Million Rp Million

> 1 - 3 bulan - - 13.105 13.105 > 1 - 3 months> 3 - 6 bulan 89.276 89.276 8.129 8.129 > 3 - 6 months

Jumlah 89.276 89.276 21.234 21.234 Total

2016 2015

13. BIAYA DIBAYAR DIMUKA 13. PREPAID EXPENSES

2016 2015Rp Juta/ Rp Juta/Rp Million Rp Million

Akuisisi kartu kredit 53.933 2.634 Credit card acquisitionsSew a dibayar dimuka 35.892 35.846 Prepaid rentBeban promosi dibayar dimuka 1.428 1.170 Prepaid promotional expenseAsuransi dibayar dimuka 270 1.057 Prepaid insuranceLainnya 6.909 4.256 Others

Jumlah 98.432 44.963 Total

14. ASET TIDAK LANCAR YANG DIMILIKI UNTUK DIJUAL

14. NON-CURRENT ASSETS HELD FOR SALE

Bank bermaksud untuk menjual tanah dan bangunan yang tidak lagi digunakan dalam waktu 12 bulan mendatang dengan jumlah tercatat sebesar Rp 2.407 juta. Bangunan tersebut sebelumnya digunakan dalam operasional Bank. Tidak terdapat penurunan nilai yang diakui atas reklasifikasi tanah dan bangunan menjadi aset tidak lancar yang dimiliki untuk dijual pada tanggal 31 Desember 2016, manajemen mengestimasi bahwa nilai wajar (estimasi berdasarkan harga pasar saat ini atas properti dan lokasi yang sama) dikurangi biaya untuk menjual adalah lebih tinggi dari jumlah tercatatnya.

The Bank intends to sell unused land and building within the next 12 months with carrying amount of Rp 2,407 million. The building was previously used in the Bank’s operations. There is no impairment loss recognized at the reclassification of the land and building into non-current assets held for sale as of December 31, 2016. The management estimate that the fair value less costs to sell is higher than the carrying amount.

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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12. TAGIHAN DAN LIABILITAS AKSEPTASI

12. ACCEPTANCES RECEIVABLE AND PAYABLE

2016 2015Rp Juta/ Rp Juta/Rp Million Rp Million

Tagihan Akseptasi Acceptances ReceivableValuta asing 89.276 21.234 Foreign currencies

Liabilitas Akseptasi Acceptances PayableValuta asing 89.276 21.234 Foreign currencies

Tagihan dan liabilitas akseptasi berdasarkan jangka waktu perjanjian adalah sebagai berikut:

The acceptances receivable and payable classified according to original term are as follows:

Tagihan/ Liabilitas/ Tagihan/ Liabilitas/Receiv able Pay able Receiv able Pay ableRp Juta/ Rp Juta/ Rp Juta/ Rp Juta/Rp Million Rp Million Rp Million Rp Million

> 1 - 3 bulan - - 13.105 13.105 > 1 - 3 months> 3 - 6 bulan 89.276 89.276 8.129 8.129 > 3 - 6 months

Jumlah 89.276 89.276 21.234 21.234 Total

2016 2015

13. BIAYA DIBAYAR DIMUKA 13. PREPAID EXPENSES

2016 2015Rp Juta/ Rp Juta/Rp Million Rp Million

Akuisisi kartu kredit 53.933 2.634 Credit card acquisitionsSew a dibayar dimuka 35.892 35.846 Prepaid rentBeban promosi dibayar dimuka 1.428 1.170 Prepaid promotional expenseAsuransi dibayar dimuka 270 1.057 Prepaid insuranceLainnya 6.909 4.256 Others

Jumlah 98.432 44.963 Total

14. ASET TIDAK LANCAR YANG DIMILIKI UNTUK DIJUAL

14. NON-CURRENT ASSETS HELD FOR SALE

Bank bermaksud untuk menjual tanah dan bangunan yang tidak lagi digunakan dalam waktu 12 bulan mendatang dengan jumlah tercatat sebesar Rp 2.407 juta. Bangunan tersebut sebelumnya digunakan dalam operasional Bank. Tidak terdapat penurunan nilai yang diakui atas reklasifikasi tanah dan bangunan menjadi aset tidak lancar yang dimiliki untuk dijual pada tanggal 31 Desember 2016, manajemen mengestimasi bahwa nilai wajar (estimasi berdasarkan harga pasar saat ini atas properti dan lokasi yang sama) dikurangi biaya untuk menjual adalah lebih tinggi dari jumlah tercatatnya.

The Bank intends to sell unused land and building within the next 12 months with carrying amount of Rp 2,407 million. The building was previously used in the Bank’s operations. There is no impairment loss recognized at the reclassification of the land and building into non-current assets held for sale as of December 31, 2016. The management estimate that the fair value less costs to sell is higher than the carrying amount.

PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 54 -

15. ASET TETAP 15. PREMISES AND EQUIPMENT

1 Januari/ 31 Desember/January 1, Penambahan/ Pengurangan/ Reklasifikasi/ December 31,

2016 Additions Deductions Reclassification 2016Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/

Rp Million Rp Million Rp Million Rp Million Rp Million

Biaya perolehan: Cost:Pemilikan langsung Direct acquisitions

Tanah 2.403 - - (2.403) - LandBangunan dan prasarana Building and leasehold kantor 65.569 7.506 1.860 2.228 73.443 improvementsKendaraan bermotor 3.778 - 456 - 3.322 Motor vehiclesPerabotan kantor 17.140 1.969 1.665 132 17.576 Office furnituresPeralatan kantor 14.692 3.436 1.667 877 17.338 Office equipmentPerangkat keras komputer 29.591 2.977 1.465 22 31.125 Computer hardwaresAset tetap dalam penyelesaian 494 3.562 - (3.356) 700 Construction in progress

Jumlah 133.667 19.450 7.113 (2.500) 143.504 Total

Akumulasi Penyusutan Accumulated depreciationPemilikan langsung Direct acquisitions

Bangunan dan prasarana Building and leasehold kantor 40.451 6.394 1.851 (93) 44.901 improvementsKendaraan bermotor 1.753 500 456 - 1.797 Motor vehiclesPerabotan kantor 9.503 1.739 1.664 - 9.578 Office furnituresPeralatan kantor 11.941 1.102 1.659 - 11.384 Office equipmentPerangkat keras komputer 19.978 3.177 1.462 - 21.693 Computer hardwares

Jumlah 83.626 12.912 7.092 (93) 89.353 Total

Jumlah Tercatat 50.041 54.151 Net Book Value

1 Januari/ 31 Desember/January 1, Penambahan/ Pengurangan/ Reklasifikasi/ December 31,

2015 Additions Deductions Reclassification 2015Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/

Rp Million Rp Million Rp Million Rp Million Rp Million

Biaya perolehan: Cost:Pemilikan langsung Direct acquisitions

Tanah 2.403 - - - 2.403 LandBangunan dan prasarana Building and leasehold kantor 58.822 19.766 15.100 2.081 65.569 improvementsKendaraan bermotor 2.229 1.850 301 - 3.778 Motor vehiclesPerabotan kantor 13.031 7.862 3.419 (334) 17.140 Office furnituresPeralatan kantor 11.841 2.635 350 566 14.692 Office equipmentPerangkat keras komputer 37.673 6.585 14.547 (120) 29.591 Computer hardwaresAset tetap dalam penyelesaian - 2.687 - (2.193) 494 Construction in progress

Jumlah 125.999 41.385 33.717 - 133.667 Total

Akumulasi Penyusutan Accumulated depreciationPemilikan langsung Direct acquisitions

Bangunan dan prasarana Building and leasehold kantor 50.413 4.820 14.659 (123) 40.451 improvementsKendaraan bermotor 1.545 509 301 - 1.753 Motor vehiclesPerabotan kantor 12.471 663 3.376 (255) 9.503 Office furnituresPeralatan kantor 10.985 715 323 564 11.941 Office equipmentPerangkat keras komputer 31.569 3.051 14.456 (186) 19.978 Computer hardwares

Jumlah 106.983 9.758 33.115 - 83.626 Total

Jumlah Tercatat 19.016 50.041 Net Book Value

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Pengurangan aset tetap merupakan penjualan dan penghapusan aset tetap dengan rincian sebagai berikut:

Deductions of premises and equipment represent the sale and write-off of premises and equipment with details as follows:

2016 2015

Rp Juta/ Rp Juta/Rp Million Rp Million

Nilai buku 21 602 Net book valueHarga jual 328 617 Selling price

Laba penjualan dan penghapusan Gain on sale and w rite-off of premisesaset tetap - bersih 307 15 and equipment - net

Manajemen berpendapat bahwa nilai tercatat semua aset tetap masih lebih rendah dari pada nilai yang dapat dipulihkan, oleh karena itu tidak diperlukan penurunan nilai aset tetap.

Management believes that the net book value of premises and equipment is lower than the recoverable value, as such there is no impairment in value of premises and equipment.

Aset tetap dalam penyelesaian merupakan prasarana kantor dan peralatan kantor yang masing-masing diperkirakan akan selesai pada tahun 2017 dan 2018.

Construction in progress represents leasehold improvements and office equipment which are estimated to be completed in 2017 and 2018, respectively.

Aset tetap kecuali tanah telah diasuransikan terhadap risiko kebakaran, kecurian dan risiko lainnya kepada PT MNC Insurance, pihak berelasi dan PT Asuransi Bumiputeramuda 1967 dengan jumlah pertanggungan sebesar Rp 62.861 juta dan Rp 58.775 juta pada tanggal 31 Desember 2016 dan 2015. Manajemen berpendapat bahwa nilai pertanggungan tersebut cukup untuk menutupi kemungkinan kerugian atas aset yang dipertanggungkan.

Premises and equipment, except for land, are insured against fire, theft, and other possible risks with PT MNC Insurance, related party and PT Asuransi Bumiputeramuda 1967 for Rp 62,861 million and Rp 58,775 million as of December 31, 2016 and 2015. Management believes that the insurance coverage is adequate to cover possible asset losses on the assets insured.

Jumlah aset tetap yang sudah didepresiasi penuh dan masih digunakan adalah sebesar Rp 66.557 juta dan Rp 65.698 juta masing-masing pada tanggal 31 Desember 2016 dan 2015.

The gross carrying amount of fully depreciated premises and equipment that are still in use amounted to Rp 66,557 million and Rp 65,698 million as of December 31, 2016 and 2015, respectively.

16. ASET TAK BERWUJUD

16. INTANGIBLE ASSETS

Perincian perangkat lunak adalah sebagai berikut:

The details of software are as follows:

1 Januari/ 31 Desember/January 1, Penambahan/ Pengurangan/ Reklasifikasi/ December 31,

2016 Additions Deductions Reclassification 2016Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/

Rp Million Rp Million Rp Million Rp Million Rp MillionBiaya perolehan Cost

Perangkat lunak komputer 74.769 9.547 - 790 85.106 Computer softwareAset takberwujud Intangible assets in dalam penyelesaian 1.065 2.999 - (790) 3.274 progress

Jumlah 75.834 12.546 - - 88.380 Total

Akumulasi amortisasi Accumulated amortizationPerangkat lunak komputer 64.901 4.152 - - 69.053 Computer software

Jumlah Tercatat 10.933 19.327 Net Book Value

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 55 -

Pengurangan aset tetap merupakan penjualan dan penghapusan aset tetap dengan rincian sebagai berikut:

Deductions of premises and equipment represent the sale and write-off of premises and equipment with details as follows:

2016 2015

Rp Juta/ Rp Juta/Rp Million Rp Million

Nilai buku 21 602 Net book valueHarga jual 328 617 Selling price

Laba penjualan dan penghapusan Gain on sale and w rite-off of premisesaset tetap - bersih 307 15 and equipment - net

Manajemen berpendapat bahwa nilai tercatat semua aset tetap masih lebih rendah dari pada nilai yang dapat dipulihkan, oleh karena itu tidak diperlukan penurunan nilai aset tetap.

Management believes that the net book value of premises and equipment is lower than the recoverable value, as such there is no impairment in value of premises and equipment.

Aset tetap dalam penyelesaian merupakan prasarana kantor dan peralatan kantor yang masing-masing diperkirakan akan selesai pada tahun 2017 dan 2018.

Construction in progress represents leasehold improvements and office equipment which are estimated to be completed in 2017 and 2018, respectively.

Aset tetap kecuali tanah telah diasuransikan terhadap risiko kebakaran, kecurian dan risiko lainnya kepada PT MNC Insurance, pihak berelasi dan PT Asuransi Bumiputeramuda 1967 dengan jumlah pertanggungan sebesar Rp 62.861 juta dan Rp 58.775 juta pada tanggal 31 Desember 2016 dan 2015. Manajemen berpendapat bahwa nilai pertanggungan tersebut cukup untuk menutupi kemungkinan kerugian atas aset yang dipertanggungkan.

Premises and equipment, except for land, are insured against fire, theft, and other possible risks with PT MNC Insurance, related party and PT Asuransi Bumiputeramuda 1967 for Rp 62,861 million and Rp 58,775 million as of December 31, 2016 and 2015. Management believes that the insurance coverage is adequate to cover possible asset losses on the assets insured.

Jumlah aset tetap yang sudah didepresiasi penuh dan masih digunakan adalah sebesar Rp 66.557 juta dan Rp 65.698 juta masing-masing pada tanggal 31 Desember 2016 dan 2015.

The gross carrying amount of fully depreciated premises and equipment that are still in use amounted to Rp 66,557 million and Rp 65,698 million as of December 31, 2016 and 2015, respectively.

16. ASET TAK BERWUJUD

16. INTANGIBLE ASSETS

Perincian perangkat lunak adalah sebagai berikut:

The details of software are as follows:

1 Januari/ 31 Desember/January 1, Penambahan/ Pengurangan/ Reklasifikasi/ December 31,

2016 Additions Deductions Reclassification 2016Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/

Rp Million Rp Million Rp Million Rp Million Rp MillionBiaya perolehan Cost

Perangkat lunak komputer 74.769 9.547 - 790 85.106 Computer softwareAset takberwujud Intangible assets in dalam penyelesaian 1.065 2.999 - (790) 3.274 progress

Jumlah 75.834 12.546 - - 88.380 Total

Akumulasi amortisasi Accumulated amortizationPerangkat lunak komputer 64.901 4.152 - - 69.053 Computer software

Jumlah Tercatat 10.933 19.327 Net Book Value

PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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1 Januari/ 31 Desember/January 1, Penambahan/ Pengurangan/ Reklasifikasi/ December 31,

2015 Additions Deductions Reclassification 2015Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/

Rp Million Rp Million Rp Million Rp Million Rp MillionBiaya perolehan Cost

Perangkat lunak komputer 70.471 3.340 60 1.018 74.769 Computer softwareAset takberwujud Intangible assets in dalam penyelesaian 732 1.426 75 (1.018) 1.065 progress

Jumlah 71.203 4.766 135 - 75.834 Total

Akumulasi amortisasi Accumulated amortizationPerangkat lunak komputer 61.230 3.731 60 - 64.901 Computer software

Jumlah Tercatat 9.973 10.933 Net Book Value

Sisa periode amortisasi untuk aset tak berwujud adalah 1 bulan sampai 5 tahun.

The remaining amortization period for intangible assets is between 1 month to 5 years.

17. ASET LAIN-LAIN 17. OTHER ASSETS

2016 2015Rp Juta/ Rp Juta/Rp Million Rp Million

Pendapatan yang masih akan diterima 68.531 60.989 Accrued interest receivableAgunan yang diambil alih 68.202 77.217 Foreclosed collateralsBiaya yang ditangguhkan 34.569 13.267 Deferred chargesSetoran jaminan 21.765 25.457 Security depositsTagihan restitusi pajak 8.892 8.892 Claim for tax refund Lainnya 36.038 27.395 Others

Sub jumlah 237.997 213.217 Sub totalCadangan kerugian penurunan Allow ance for impairment losses

nilai aset non-keuangan (9.177) (19.178) on non-financial assets

Jumlah Aset Lain-lain - Bersih 228.820 194.039 Total Other Assets - Net

Pendapatan yang Masih Akan Diterima

Accrued Interest Receivable

Merupakan bunga yang masih akan diterima atas penempatan pada Bank Indonesia dan bank lain, efek-efek dan kredit.

This account represents interest receivables on placements with Bank Indonesia and other banks, securities and loans.

Agunan yang Diambil Alih Agunan yang diambil alih merupakan jaminan kredit dalam bentuk tanah, bangunan dan kendaraan yang telah diambil alih oleh Bank.

Foreclosed Collaterals Foreclosed collaterals represent collaterals on loans in the form of land, buildings and vehicles that have been foreclosed by the Bank.

Untuk memenuhi Peraturan Bank Indonesia No. 14/15/PBI/2012 tanggal 24 Oktober 2012, Bank telah melakukan upaya penyelesaian atas agunan yang diambil alih.

The Bank has taken actions for the resolution of foreclosed collaterals as required by Bank Indonesia under regulation No. 14/15/PBI/2012 dated October 24, 2012.

Bank telah menyewakan sementara sebagian agunan yang diambil alih kepada pihak ketiga dengan nilai kontrak sewa pada tahun 2016 dan 2015 masing-masing sebesar Rp 513 juta dan Rp 892 juta termasuk Pajak Pertambahan Nilai dan Pajak Penghasilan Final. Pendapatan sewa yang diperoleh Bank selama tahun 2016 dan 2015 masing-masing sebesar Rp 335 juta dan Rp 404 juta. Agunan yang diambil alih dan disewakan berupa kios-kios yang terletak di ITC Cipulir.

The Bank has rented out temporarily some of its foreclosed collaterals to third parties with total contract rental in 2016 and 2015 amounting to Rp 513 million and Rp 892 million including Value Added Tax and final income taxes, respectively. Total rental revenue obtained by the Bank during 2016 and 2015 amounted to Rp 335 million and Rp 404 million, respectively. The foreclosed collaterals to be rented out consisted of kiosks located at ITC Cipulir.

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PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Mutasi cadangan kerugian penurunan nilai agunan yang diambil alih adalah sebagai berikut:

The changes in the allowance for impairment losses on foreclosed collaterals are as follows:

2016 2015Rp Juta/ Rp Juta/Rp Million Rp Million

Saldo aw al tahun 19.178 19.718 Balance at beginning of yearPemulihan tahun berjalan Reversal of provision during

(Catatan 31) (10.001) (540) the year (Note 31)

Saldo akhir tahun 9.177 19.178 Balance at end of year

Manajemen berpendapat bahwa cadangan kerugian penurunan nilai agunan yang diambil alih adalah cukup untuk menutupi kerugian yang mungkin timbul.

Management believes that the allowance for impairment losses on foreclosed collaterals is adequate to cover potential losses.

Biaya yang Ditangguhkan Deferred Charges Merupakan biaya-biaya yang telah dikeluarkan oleh Bank untuk melakukan pengembangan sistem dan aplikasi, yang akan diselesaikan ketika proses pekerjaan telah selesai.

Represent costs incurred by the Bank for the system and application development, and it will be reversed when the work has been completed.

Setoran Jaminan Security Deposit Merupakan setoran jaminan atas sewa gedung dan jaminan setoran terkait kartu kredit (Visa International Service Association) yang dijaminkan di Standard Chartered Bank, Singapura.

This account represents marginal deposits on building rentals and deposits related to credit card (Visa International Service Association), pledged to Standard Chartered Bank, Singapore.

Tagihan Restitusi Pajak

Claim for Tax Refund

Kantor Pajak telah melakukan pemeriksaan untuk tahun 2010 dan menerbitkan Surat Ketetapan Pajak Kurang Bayar (SKPKB) pada tanggal 26 April 2012 atas Pajak Penghasilan (PPh) Badan, PPh Pasal 21, PPh Final Pasal 4(2) dan Pajak Pertambahan Nilai (PPN) sebesar Rp 18.497 juta (termasuk denda dan bunga). Bank telah melakukan pembayaran atas seluruh nilai SKPKB tersebut sebesar Rp 18.497 juta. Bank tidak menyetujui sebagian besar hasil keputusan di dalam SKPKB tersebut, dan telah menyampaikan Surat Keberatan sebesar Rp 8.892 juta pada tanggal 18 Juli 2012. Kantor Pajak menolak surat keberatan yang diajukan oleh Bank melalui Surat Keputusan No. KEP-1458/WPJ.07/ 2013 tertanggal 19 Juli 2013. Bank kemudian mengajukan surat banding ke pengadilan pajak pada tanggal 30 September 2013, hingga tanggal penerbitan laporan keuangan, Bank belum menerima berita apapun dari Kantor Pajak terkait dengan surat banding yang diajukan oleh Bank.

The Indonesian Tax Office has conducted a tax audit for the fiscal year 2010 and issued the Tax Assessment Letter for Underpayment (SKPKB) dated April 26, 2012, on corporate income tax, income tax article 21, final income tax article 4(2) and value added tax amounting to Rp 18,497 million (including penalties and interests). The Bank paid all of the assessments amounting to Rp 18,497 million. However, the Bank also disputes most of the items contained in these SKPKBs and has already filed Objection Letter to the Tax Office amounting to Rp 8,892 million on July 18, 2012. The Indonesian Tax Office has rejected the Bank’s objection letter in its Decision Letter No. KEP- 1458/WPJ.07/2013 dated July 19, 2013. On September 30, 2013, the Bank filed an appeal letter to the tax court. Up to the issuance date of the financial statements, the Bank has not yet received any updates from the Indonesian Tax Office regarding the appeal letter.

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Mutasi cadangan kerugian penurunan nilai agunan yang diambil alih adalah sebagai berikut:

The changes in the allowance for impairment losses on foreclosed collaterals are as follows:

2016 2015Rp Juta/ Rp Juta/Rp Million Rp Million

Saldo aw al tahun 19.178 19.718 Balance at beginning of yearPemulihan tahun berjalan Reversal of provision during

(Catatan 31) (10.001) (540) the year (Note 31)

Saldo akhir tahun 9.177 19.178 Balance at end of year

Manajemen berpendapat bahwa cadangan kerugian penurunan nilai agunan yang diambil alih adalah cukup untuk menutupi kerugian yang mungkin timbul.

Management believes that the allowance for impairment losses on foreclosed collaterals is adequate to cover potential losses.

Biaya yang Ditangguhkan Deferred Charges Merupakan biaya-biaya yang telah dikeluarkan oleh Bank untuk melakukan pengembangan sistem dan aplikasi, yang akan diselesaikan ketika proses pekerjaan telah selesai.

Represent costs incurred by the Bank for the system and application development, and it will be reversed when the work has been completed.

Setoran Jaminan Security Deposit Merupakan setoran jaminan atas sewa gedung dan jaminan setoran terkait kartu kredit (Visa International Service Association) yang dijaminkan di Standard Chartered Bank, Singapura.

This account represents marginal deposits on building rentals and deposits related to credit card (Visa International Service Association), pledged to Standard Chartered Bank, Singapore.

Tagihan Restitusi Pajak

Claim for Tax Refund

Kantor Pajak telah melakukan pemeriksaan untuk tahun 2010 dan menerbitkan Surat Ketetapan Pajak Kurang Bayar (SKPKB) pada tanggal 26 April 2012 atas Pajak Penghasilan (PPh) Badan, PPh Pasal 21, PPh Final Pasal 4(2) dan Pajak Pertambahan Nilai (PPN) sebesar Rp 18.497 juta (termasuk denda dan bunga). Bank telah melakukan pembayaran atas seluruh nilai SKPKB tersebut sebesar Rp 18.497 juta. Bank tidak menyetujui sebagian besar hasil keputusan di dalam SKPKB tersebut, dan telah menyampaikan Surat Keberatan sebesar Rp 8.892 juta pada tanggal 18 Juli 2012. Kantor Pajak menolak surat keberatan yang diajukan oleh Bank melalui Surat Keputusan No. KEP-1458/WPJ.07/ 2013 tertanggal 19 Juli 2013. Bank kemudian mengajukan surat banding ke pengadilan pajak pada tanggal 30 September 2013, hingga tanggal penerbitan laporan keuangan, Bank belum menerima berita apapun dari Kantor Pajak terkait dengan surat banding yang diajukan oleh Bank.

The Indonesian Tax Office has conducted a tax audit for the fiscal year 2010 and issued the Tax Assessment Letter for Underpayment (SKPKB) dated April 26, 2012, on corporate income tax, income tax article 21, final income tax article 4(2) and value added tax amounting to Rp 18,497 million (including penalties and interests). The Bank paid all of the assessments amounting to Rp 18,497 million. However, the Bank also disputes most of the items contained in these SKPKBs and has already filed Objection Letter to the Tax Office amounting to Rp 8,892 million on July 18, 2012. The Indonesian Tax Office has rejected the Bank’s objection letter in its Decision Letter No. KEP- 1458/WPJ.07/2013 dated July 19, 2013. On September 30, 2013, the Bank filed an appeal letter to the tax court. Up to the issuance date of the financial statements, the Bank has not yet received any updates from the Indonesian Tax Office regarding the appeal letter.

PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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18. SIMPANAN

18. DEPOSITS

Simpanan memiliki suku bunga tetap maupun mengambang, sehingga Bank terpapar risiko suku bunga atas nilai wajar (fair value interest rate risk) dan risiko suku bunga atas arus kas (cash flow interest rate risk).

Deposits are arranged at both fixed and floating interest rate, thus exposing the Bank to fair value interest rate risk and cash flow interest rate risk.

Simpanan terdiri dari: Deposits consist of:

2016 2015

Pihak berelasi/ Pihak ketiga/ Jumlah/ Pihak berelasi/ Pihak ketiga/ Jumlah/Related parties Third parties Total Related parties Third parties Total

Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million

Giro 403.350 571.392 974.742 355.560 713.638 1.069.198 Demand depositsTabungan 42.712 605.074 647.786 3.514 563.825 567.339 Sav ings depositsDeposito berjangka 382.980 8.333.899 8.716.879 589.810 7.540.180 8.129.990 Time deposits

Jumlah 829.042 9.510.365 10.339.407 948.884 8.817.643 9.766.527 Total

Nilai tercatat biaya perolehan diamortisasi dari simpanan adalah sebagai berikut:

The carrying amount of deposits at amortized cost are as follows:

2016 2015

Rp Juta/ Rp Juta/Rp Million Rp Million

Simpanan DepositsGiro 974.742 1.069.198 Demand depositTabungan 647.786 567.339 SavingDeposito berjangka 8.716.879 8.129.990 Time depositsJumlah 10.339.407 9.766.527 Total

Beban bunga yang masih Accrued interest payableharus dibayar (Catatan 22) (Note 22)Deposito berjangka 32.304 38.341 Time deposits

Jumlah 10.371.711 9.804.868 Total

a. Giro terdiri atas: a. Demand deposits consist of:

2016 2015Rp Juta/ Rp Juta/Rp Million Rp Million

Pihak berelasi Related partiesRupiah 373.822 317.355 RupiahDollar Amerika Serikat 29.513 37.874 United States DollarLainnya 15 331 Others

Sub Jumlah 403.350 355.560 Sub Total

Pihak ketiga Third partiesRupiah 483.276 461.657 RupiahDollar Amerika Serikat 79.318 238.547 United States DollarDollar Singapura 3.882 6.744 Singapore DollarEuro 2.649 5.788 EuroLainnya 2.267 902 Others

Sub Jumlah 571.392 713.638 Sub Total

Jumlah 974.742 1.069.198 Total

Tingkat bunga efektif rata-rata Average annual effective per tahun interest rateRupiah 2,79% 3,28% RupiahValuta asing 0,79% 1,05% Foreign currencies

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PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Jumlah giro yang diblokir dan dijadikan jaminan kredit pada tanggal 31 Desember 2016 dan 2015 masing-masing sebesar Rp 28.392 juta dan Rp 26.026 juta.

As of December 31, 2016 and 2015, demand deposits which are earmarked and pledged as loan collateral amounted to Rp 28,392 million and Rp 26,026 million, respectively.

b. Tabungan terdiri atas:

b. Savings deposits consist of:

2016 2015

Rp Juta/ Rp Juta/Rp Million Rp Million

Rupiah Rupiah Tabungan MNC 421.663 422.182 Tabungan MNCTabungan MNC Bunga Khusus 65.836 19.227 Tabungan MNC Bunga KhususTabungan Rencana MNC 28.196 27.633 Tabungan Rencana MNCTabungan MNC Junior 23.611 28.389 Tabungan MNC JuniorTabungan MNC Program Hadiah 10.864 32.238 Tabungan MNC Program HadiahTabungan MNC Bisnis 13.537 2.753 Tabungan MNC BisnisTabunganKu 8.200 5.913 TabunganKuLainnya 75.879 29.004 Others

Jumlah 647.786 567.339 Total

Tingkat bunga efektif rata-rata Average annual effective per tahun 4,00% 3,15% interest rates

Jumlah tabungan yang diblokir dan dijadikan jaminan kredit pada tanggal 31 Desember 2016 dan 2015 masing-masing sebesar Rp 133.057 juta dan Rp 124.460 juta.

As of December 31, 2016 and 2015, savings deposits which are earmarked and pledged as loan collateral amounted to Rp 133,057 million and Rp 124,460 million, respectively.

c. Deposito berjangka terdiri atas: c. Time deposits consist of:

2016 2015Rp Juta/ Rp Juta/Rp Million Rp Million

Pihak berelasi Related partiesRupiah 378.383 580.463 RupiahDollar Amerika Serikat 4.597 9.347 United States Dollar

Sub Jumlah 382.980 589.810 Sub Total

Pihak ketiga Third partiesRupiah 6.516.934 5.709.236 RupiahDollar Amerika Serikat 1.814.523 1.813.630 United States DollarLain-lain 2.442 17.314 Others

Sub Jumlah 8.333.899 7.540.180 Sub Total

Jumlah 8.716.879 8.129.990 Total

Tingkat bunga efektif rata-rata Average annual effective per tahun interest rates

Rupiah 8,21% 9,39% RupiahValuta asing 2,00% 2,83% Foreign currencies

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 59 -

Jumlah giro yang diblokir dan dijadikan jaminan kredit pada tanggal 31 Desember 2016 dan 2015 masing-masing sebesar Rp 28.392 juta dan Rp 26.026 juta.

As of December 31, 2016 and 2015, demand deposits which are earmarked and pledged as loan collateral amounted to Rp 28,392 million and Rp 26,026 million, respectively.

b. Tabungan terdiri atas:

b. Savings deposits consist of:

2016 2015

Rp Juta/ Rp Juta/Rp Million Rp Million

Rupiah Rupiah Tabungan MNC 421.663 422.182 Tabungan MNCTabungan MNC Bunga Khusus 65.836 19.227 Tabungan MNC Bunga KhususTabungan Rencana MNC 28.196 27.633 Tabungan Rencana MNCTabungan MNC Junior 23.611 28.389 Tabungan MNC JuniorTabungan MNC Program Hadiah 10.864 32.238 Tabungan MNC Program HadiahTabungan MNC Bisnis 13.537 2.753 Tabungan MNC BisnisTabunganKu 8.200 5.913 TabunganKuLainnya 75.879 29.004 Others

Jumlah 647.786 567.339 Total

Tingkat bunga efektif rata-rata Average annual effective per tahun 4,00% 3,15% interest rates

Jumlah tabungan yang diblokir dan dijadikan jaminan kredit pada tanggal 31 Desember 2016 dan 2015 masing-masing sebesar Rp 133.057 juta dan Rp 124.460 juta.

As of December 31, 2016 and 2015, savings deposits which are earmarked and pledged as loan collateral amounted to Rp 133,057 million and Rp 124,460 million, respectively.

c. Deposito berjangka terdiri atas: c. Time deposits consist of:

2016 2015Rp Juta/ Rp Juta/Rp Million Rp Million

Pihak berelasi Related partiesRupiah 378.383 580.463 RupiahDollar Amerika Serikat 4.597 9.347 United States Dollar

Sub Jumlah 382.980 589.810 Sub Total

Pihak ketiga Third partiesRupiah 6.516.934 5.709.236 RupiahDollar Amerika Serikat 1.814.523 1.813.630 United States DollarLain-lain 2.442 17.314 Others

Sub Jumlah 8.333.899 7.540.180 Sub Total

Jumlah 8.716.879 8.129.990 Total

Tingkat bunga efektif rata-rata Average annual effective per tahun interest rates

Rupiah 8,21% 9,39% RupiahValuta asing 2,00% 2,83% Foreign currencies

PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Klasifikasi deposito berjangka berdasarkan periode adalah sebagai berikut:

Time deposits classified based on the term are as follows:

2016 2015

Valuta Valuta

asing/ asing/

Foreign Jumlah/ Foreign Jumlah/

Rupiah currencies Total Rupiah currencies Total

Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/

Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million

1 bulan 1.356.273 176.220 1.532.493 1.312.147 355.348 1.667.495 1 month

3 bulan 1.879.857 1.055.110 2.934.967 1.567.165 851.801 2.418.966 3 months

6 bulan 1.067.939 151.271 1.219.210 2.605.597 447.411 3.053.008 6 months

12 bulan 1.173.531 121.613 1.295.144 757.180 86.099 843.279 12 months

Lebih dari 12 bulan 1.417.717 317.348 1.735.065 47.610 99.632 147.242 More than 12 months

Jumlah 6.895.317 1.821.562 8.716.879 6.289.699 1.840.291 8.129.990 Total

Jumlah deposito berjangka yang diblokir dan dijadikan jaminan kredit pada tanggal 31 Desember 2016 dan 2015 masing-masing sebesar Rp 232.609 juta dan Rp 419.830 juta.

As of December 31, 2016 and 2015, time deposits which are earmarked and pledged as loan collateral amounted to Rp 232,609 million and Rp 419,830 million, respectively.

19. SIMPANAN DARI BANK LAIN

19. DEPOSITS FROM OTHER BANKS

Simpanan dari bank lain memiliki suku bunga tetap maupun mengambang, sehingga Bank terpapar risiko suku bunga atas nilai wajar (fair value interest rate risk) dan risiko suku bunga atas arus kas (cash flow interest rate risk).

Deposits from other banks are arranged at both fixed and floating interest rate, thus exposing the Bank to fair value interest rate risk and cash flow interest rate risk.

Simpanan dari bank lain terdiri dari:

Deposits from other banks consist of:

2016 2015Rp Juta/ Rp Juta/Rp Million Rp Million

Pihak ketiga Third partiesGiro 287.417 235.921 Demand depositsTabungan 53.893 28.389 Savings depositsDeposito berjangka 51.006 91.395 Time depositsCall money 115.000 145.000 Call money

Jumlah 507.316 500.705 Total

Tingkat bunga efektif rata-rata Average annual effectiveper tahun interest ratesGiro 2,13% 1,04% Demand depositsTabungan 2,30% 3,07% Savings depositsDeposito berjangka 5,41% 5,12% Time depositsCall money 5,87% 6,78% Call money

Nilai tercatat biaya perolehan diamortisasi dari simpanan dari bank lain adalah sebagai berikut:

Carrying amount at amortized cost of the deposit from other banks are as follows:

2016 2015

Rp Juta/ Rp Juta/Rp Million Rp Million

Simpanan dari bank lain 507.316 500.705 Deposit from other banksBeban bunga yang masih harus dibayar

(Catatan 22) 60 409 Accrued interest (Note 22)

Jumlah 507.376 501.114 Total

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PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Deposito Berjangka Time Deposits Klasifikasi deposito berjangka berdasarkan periode adalah sebagai berikut:

Time deposits classified based on the term are as follows:

2016 2015

Rp Juta/ Rp Juta/Rp Million Rp Million

1 bulan 7.500 6.800 1 month3 bulan 9.053 79.331 3 months6 bulan 3.500 1.050 6 months12 bulan 18.275 305 12 monthsLebih dari 12 bulan 12.678 3.909 More than 12 months

Jumlah 51.006 91.395 Total

Call Money Call Money Pada tanggal 31 Desember 2016 dan 2015 jangka waktu call money Rupiah masing-masing 4 sampai dengan 7 hari dan 4 sampai dengan 33 hari.

As of December 31, 2016 and 2015, the terms of call money in Rupiah are 4 to 7 days and 4 to 33 days, respectively.

20. EFEK YANG DIJUAL DENGAN JANJI DIBELI KEMBALI – PIHAK KETIGA

20. SECURITIES SOLD WITH AGREEMENTS TO REPURCHASE – THIRD PARTIES

Efek yang dijual dengan janji dibeli kembali terdiri dari:

The details of securities sold with agreements to repurchase are as follows:

2016

Beban bunga yangTanggal jatuh belum diamortisasi/

Jangka waktu/ Tanggal mulai/ tempo/ Nilai nominal/ Unamortized Nilai bersih/Term Starting date Due date Nominal value interest expense Net value

Rp Juta/ Rp Juta/ Rp Juta/Rp Million Rp Million Rp Million

IDSD06011791C 7 hari/days 27 Desember/ 3 Januari/December 27, 2016 January 3, 2017 89.976 35 89.941

Jenis/Type

21. UTANG PAJAK

21. TAXES PAYABLE

2016 2015Rp Juta/ Rp Juta/Rp Million Rp Million

Pajak Penghasilan Income tax Pasal 21 1.322 1.368 Article 21 Pasal 23/26 829 177 Articles 23/26 Pasal 4 ayat 2 10.309 12.083 Article 4(2)Pajak Pertambahan Nilai - Bersih 267 132 Value Added Tax - Net

Jumlah 12.727 13.760 Total

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 61 -

Deposito Berjangka Time Deposits Klasifikasi deposito berjangka berdasarkan periode adalah sebagai berikut:

Time deposits classified based on the term are as follows:

2016 2015

Rp Juta/ Rp Juta/Rp Million Rp Million

1 bulan 7.500 6.800 1 month3 bulan 9.053 79.331 3 months6 bulan 3.500 1.050 6 months12 bulan 18.275 305 12 monthsLebih dari 12 bulan 12.678 3.909 More than 12 months

Jumlah 51.006 91.395 Total

Call Money Call Money Pada tanggal 31 Desember 2016 dan 2015 jangka waktu call money Rupiah masing-masing 4 sampai dengan 7 hari dan 4 sampai dengan 33 hari.

As of December 31, 2016 and 2015, the terms of call money in Rupiah are 4 to 7 days and 4 to 33 days, respectively.

20. EFEK YANG DIJUAL DENGAN JANJI DIBELI KEMBALI – PIHAK KETIGA

20. SECURITIES SOLD WITH AGREEMENTS TO REPURCHASE – THIRD PARTIES

Efek yang dijual dengan janji dibeli kembali terdiri dari:

The details of securities sold with agreements to repurchase are as follows:

2016

Beban bunga yangTanggal jatuh belum diamortisasi/

Jangka waktu/ Tanggal mulai/ tempo/ Nilai nominal/ Unamortized Nilai bersih/Term Starting date Due date Nominal value interest expense Net value

Rp Juta/ Rp Juta/ Rp Juta/Rp Million Rp Million Rp Million

IDSD06011791C 7 hari/days 27 Desember/ 3 Januari/December 27, 2016 January 3, 2017 89.976 35 89.941

Jenis/Type

21. UTANG PAJAK

21. TAXES PAYABLE

2016 2015Rp Juta/ Rp Juta/Rp Million Rp Million

Pajak Penghasilan Income tax Pasal 21 1.322 1.368 Article 21 Pasal 23/26 829 177 Articles 23/26 Pasal 4 ayat 2 10.309 12.083 Article 4(2)Pajak Pertambahan Nilai - Bersih 267 132 Value Added Tax - Net

Jumlah 12.727 13.760 Total

PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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22. BEBAN YANG MASIH HARUS DIBAYAR 22. ACCRUALS

2016 2015Rp Juta/ Rp Juta/Rp Million Rp Million

Bunga yang masih harus dibayar Accrued interestSimpanan 32.304 38.341 DepositsSimpanan dari bank lain 60 409 Deposits from other banksSubjumlah 32.364 38.750 Subtotal

Beban yang masih harus dibayar lainnya Other accrued expensesTunjangan karyaw an 17.887 10.363 Employee benefitsJasa pihak ketiga 4.720 4.041 Third party servicesLainnya 9.394 9.711 OthersSubjumlah 32.001 24.115 Subtotal

Jumlah 64.365 62.865 Total

23. LIABILITAS LAIN-LAIN

23. OTHER LIABILITIES

2016 2015Rp Juta/ Rp Juta/Rp Million Rp Million

Pendapatan diterima dimuka 6.468 6.126 Income received in advanceSetoran jaminan 1.127 673 Margin depositsLainnya 2.926 1.743 Others

Jumlah 10.521 8.542 Total

Pendapatan Diterima di Muka

Merupakan pendapatan diterima dimuka atas kredit yang diberikan dan pendapatan sewa atas agunan yang diambil alih.

Income Received in Advance

This account represents income received in advance for loans and rental of foreclosed properties.

Setoran Jaminan

Merupakan setoran jaminan yang diterima dari nasabah untuk keperluan transaksi luar negeri, bank garansi dan safe deposit box.

Margin Deposits

This account represents margin deposits received from customer for the purpose of overseas money transfer, bank guarantee and safe deposit.

24. MODAL SAHAM Berdasarkan laporan Biro Administrasi Efek, rincian pemegang saham Bank pada tanggal 31 Desember 2016 dan 2015 adalah sebagai berikut:

24. CAPITAL STOCK Based on report from the Securities’ Administration Bureau, the Bank’s stockholders as of December 31, 2016 and 2015 are as follows:

2016Jumlah Persentase Jumlahsaham/ pemilikan/ modal/

Number of Percentage Total paid-upNama pemegang saham shares of ow nership capital stock

Rp Juta/Rp Millions

PT MNC Kapital Indonesia Tbk 8.129.678.241 39,50% 812.968 PT MNC Kapital Indonesia TbkMarco Prince Corp 2.654.374.881 12,90% 265.437 Marco Prince CorpRBC/Singapore Client A/C 1.909.537.680 9,28% 190.954 RBC/Singapore Client A/CMasyarakat (masing-masing di baw ah 5%) 7.887.874.445 38,32% 788.788 Public (below 5% each)

Jumlah 20.581.465.247 100,00% 2.058.147 Total

Name of stockholders

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PT Bank MnC InTernasIonal TBk | laPoran TaHUnan 2016 annUal rePorT

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 63 -

2015Jumlah Persentase Jumlahsaham/ pemilikan/ modal/

Number of Percentage Total paid-upNama pemegang saham shares of ow nership capital stock

Rp Juta/Rp Millions

PT MNC Kapital Indonesia Tbk 7.499.923.241 39,21% 749.992 PT MNC Kapital Indonesia TbkMarco Prince Corp 2.654.374.881 13,88% 265.437 Marco Prince CorpRBC/Singapore Client A/C 1.909.537.680 9,98% 190.954 RBC/Singapore Client A/CCitibank Singapore S/A BK Julius Citibank Singapore S/A BK Julius Baer & Co Ltd - Client A/C 1.047.054.000 5,47% 104.705 Baer & Co Ltd - Client A/CMasyarakat (masing-masing di baw ah 5%) 6.018.673.270 31,46% 601.869 Public (below 5% each)

Jumlah 19.129.563.072 100,00% 1.912.957 Total

Name of stockholders

Perubahan jumlah saham beredar Bank adalah sebagai berikut:

The changes in the shares outstanding of the Bank are as follows:

Lembar/Shares

Saldo 1 Januari 2015 15.032.327.068 Balance as of January 1, 2015

Pelaksanaan w aran 1.000 Exercise of w arrants

Penaw aran Umum Terbatas IV 4.097.235.004 Limited Public Offering IV

Saldo 31 Desember 2015 19.129.563.072 Balance as of December 31, 2015

Pelaksanaan w aran Seri II 466 Exercise of w arrants II

Penaw aran Umum Terbatas V 1.451.901.709 Limited Public Offering VSaldo 31 Desember 2016 20.581.465.247 Balance as of December 31, 2016

25. TAMBAHAN MODAL DISETOR

25. ADDITIONAL PAID IN CAPITAL

Agio saham merupakan kelebihan di atas nominal dari penjualan saham perdana, penawaran umum terbatas (right issue) dan pelaksanaan waran dengan perincian sebagai berikut:

The additional paid-in-capital represents the excess of the total proceeds over the total par value of shares arising from the sale of shares through public offering, rights issue and exercise of warrants, with details as follows:

Rp Juta/Rp Million

Saldo 1 Januari 2015 6.360 Balance as of January 1, 2015Biaya-biaya yang dikeluarkan sehubungan

dengan penaw aran terbatas IV kepada Share issuance cost in connection w ith masyarakat (2.805) limited public offering IV

Saldo 31 Desember 2015 3.555 Balance as of December 31, 2015

Biaya-biaya yang dikeluarkan sehubungan dengan penaw aran terbatas V kepada Share issuance cost in connection w ith masyarakat (2.835) limited public offering V

Saldo 31 Desember 2016 720 Balance as of December 31, 2016

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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2015Jumlah Persentase Jumlahsaham/ pemilikan/ modal/

Number of Percentage Total paid-upNama pemegang saham shares of ow nership capital stock

Rp Juta/Rp Millions

PT MNC Kapital Indonesia Tbk 7.499.923.241 39,21% 749.992 PT MNC Kapital Indonesia TbkMarco Prince Corp 2.654.374.881 13,88% 265.437 Marco Prince CorpRBC/Singapore Client A/C 1.909.537.680 9,98% 190.954 RBC/Singapore Client A/CCitibank Singapore S/A BK Julius Citibank Singapore S/A BK Julius Baer & Co Ltd - Client A/C 1.047.054.000 5,47% 104.705 Baer & Co Ltd - Client A/CMasyarakat (masing-masing di baw ah 5%) 6.018.673.270 31,46% 601.869 Public (below 5% each)

Jumlah 19.129.563.072 100,00% 1.912.957 Total

Name of stockholders

Perubahan jumlah saham beredar Bank adalah sebagai berikut:

The changes in the shares outstanding of the Bank are as follows:

Lembar/Shares

Saldo 1 Januari 2015 15.032.327.068 Balance as of January 1, 2015

Pelaksanaan w aran 1.000 Exercise of w arrants

Penaw aran Umum Terbatas IV 4.097.235.004 Limited Public Offering IV

Saldo 31 Desember 2015 19.129.563.072 Balance as of December 31, 2015

Pelaksanaan w aran Seri II 466 Exercise of w arrants II

Penaw aran Umum Terbatas V 1.451.901.709 Limited Public Offering VSaldo 31 Desember 2016 20.581.465.247 Balance as of December 31, 2016

25. TAMBAHAN MODAL DISETOR

25. ADDITIONAL PAID IN CAPITAL

Agio saham merupakan kelebihan di atas nominal dari penjualan saham perdana, penawaran umum terbatas (right issue) dan pelaksanaan waran dengan perincian sebagai berikut:

The additional paid-in-capital represents the excess of the total proceeds over the total par value of shares arising from the sale of shares through public offering, rights issue and exercise of warrants, with details as follows:

Rp Juta/Rp Million

Saldo 1 Januari 2015 6.360 Balance as of January 1, 2015Biaya-biaya yang dikeluarkan sehubungan

dengan penaw aran terbatas IV kepada Share issuance cost in connection w ith masyarakat (2.805) limited public offering IV

Saldo 31 Desember 2015 3.555 Balance as of December 31, 2015

Biaya-biaya yang dikeluarkan sehubungan dengan penaw aran terbatas V kepada Share issuance cost in connection w ith masyarakat (2.835) limited public offering V

Saldo 31 Desember 2016 720 Balance as of December 31, 2016

PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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26. PENGHASILAN (RUGI) KOMPREHENSIF LAIN

26. OTHER COMPREHENSIVE INCOME (LOSS)

Akun ini meliputi penghasilan (rugi) komprehensif lain yang diakumulasi dalam ekuitas.

This account comprises other comprehensive income (loss) that are accumulated in equity.

2016 2015Rp Juta/ Rp Juta/Rp Million Rp Million

Perubahan nilai w ajar efek tersedia Changes in fair value of AFS untuk dijual (Catatan 9) (6.363) (10.296) securities (Note 9)Pengukuran kembali atas kew ajiban Remeasurement of defined benefits

imbalan pasti (Catatan 36) (357) 3.079 obligation (Note 36)Jumlah rugi komprehensif Total other comprehensive

lain (6.720) (7.217) loss

27. PENDAPATAN BUNGA YANG DIPEROLEH 27. INTEREST EARNED

2016 2015Rp Juta/ Rp Juta/Rp Million Rp Million

Rupiah RupiahDimiliki hingga jatuh tempo Held-to-maturity

Efek-efek SecuritiesObligasi 29.537 23.101 Bonds

Tersedia untuk dijual Available-for-saleEfek-efek Securities

Obligasi 40.327 35.318 BondsSurat utang jangka menengah 3.525 1.227 Medium term notes

Sub jumlah - Tersedia untuk dijual 43.852 36.545 Sub total - Available-for-sale

Diperdagangkan TradingEfek-efek Securities

Obligasi 15.589 16.275 Bonds

Pinjaman yang diberikan dan piutang Loans and receivableDemand deposits w ith

Giro pada Bank Indonesia 1.787 3.472 Bank IndonesiaDemand deposits w ith

Giro pada bank lain - 22 other banks Penempatan pada Bank Penempatan pada Bank Placements w ith Bank

Indonesia dan bank lain Indonesia and other banksCall Money 25.978 20.745 Call moneyFasilitas Simpanan Bank Indonesia 21.023 20.449 Bank Indonesia Deposit Facility

Bank Indonesia Sertif ikat Deposito Bank Indonesia 14.340 11.898 Certif icate of Deposit Sertif ikat deposito 8.625 11.895 Certif icate of deposit

Efek yang dibeli dengan janji Securities purchased w ith agreementsdijual kembali 890 - to resell

Kredit Kredit LoansKredit modal kerja 397.382 426.545 Working capital loansKredit konsumsi 325.876 227.186 Consumer loansKredit investasi 101.187 71.521 Investment loansPinjaman karyaw an 5.627 4.147 Employee loansPinjaman sindikasi 1.291 2.891 Syndicated loans

Sub jumlah - Pinjaman yang diberikandan piutang 904.006 800.771 Sub total - Loans and receivable

Jumlah Pendapatan Bunga - Rupiah 992.984 876.692 Total Interest Earned - Rupiah

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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2016 2015Rp Juta/ Rp Juta/Rp Million Rp Million

Valuta asing Foreign currenciesTersedia untuk dijual Available for sale

Efek-efek SecuritiesObligasi 2.188 - Bonds

Diperdagangkan TradingEfek-efek Securities

Obligasi 7.278 33 Bonds

Pinjaman yang diberikan dan piutang Loans and receivable Giro pada bank lain 579 213 Demand deposits w ith other banks Penempatan pada Bank Indonesia Placements w ith Bank Indonesia

dan bank lain and other banksTerm Deposit Bank Indonesia 1.361 181 Bank Indonesia Term DepositCall money 182 53 Call money

Kredit LoansKredit modal kerja 29.510 47.632 Working capital loansKredit investasi 6.416 10.547 Investment loans

Sub jumlah - Pinjaman yang diberikandan piutang 38.048 58.626 Sub total - Loans and receivable

Jumlah Pendapatan Bunga - Valuta asing 47.514 58.659 Total Interest Earned - Foreign currencies

Jumlah Pendapatan Bunga 1.040.498 935.351 Total Interest Earned

28. BEBAN BUNGA

28. INTEREST EXPENSE

2016 2015Rp Juta / Rp Juta / Rp Million Rp Million

Liabilitas keuangan diukur pada Financial liabilities measured atbiaya perolehan diamortisasi amortized costRupiah Rupiah

Simpanan 603.321 581.408 DepositsSimpanan dari bank lain 35.740 13.519 Deposits from other banksLainnya 4.745 11.942 Others

Sub jumlah 643.806 606.869 Sub total

Valuta Asing Foreign currenciesSimpanan 29.841 38.963 DepositsSimpanan dari bank lain 24 - Deposits from other banks

Sub jumlah 29.865 38.963 Sub total

Jumlah Beban Bunga 673.671 645.832 Total Interest Expense

29. PROVISI DAN KOMISI SELAIN KREDIT - BERSIH 29. COMMISSIONS AND FEES FROM

TRANSACTIONS OTHER THAN LOANS - NET

2016 2015Rp Juta/ Rp Juta/Rp Million Rp Million

Kartu kredit 7.058 2.051 Credit cardKomisi ATM bersama 4.917 4.545 Interbank ATM commisionAsuransi 2.928 2.591 InsuranceKiriman uang 2.850 5.825 Money transfersLainnya - bersih 1.432 1.266 Others - Net

Jumlah 19.185 16.278 Total

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 65 -

2016 2015Rp Juta/ Rp Juta/Rp Million Rp Million

Valuta asing Foreign currenciesTersedia untuk dijual Available for sale

Efek-efek SecuritiesObligasi 2.188 - Bonds

Diperdagangkan TradingEfek-efek Securities

Obligasi 7.278 33 Bonds

Pinjaman yang diberikan dan piutang Loans and receivable Giro pada bank lain 579 213 Demand deposits w ith other banks Penempatan pada Bank Indonesia Placements w ith Bank Indonesia

dan bank lain and other banksTerm Deposit Bank Indonesia 1.361 181 Bank Indonesia Term DepositCall money 182 53 Call money

Kredit LoansKredit modal kerja 29.510 47.632 Working capital loansKredit investasi 6.416 10.547 Investment loans

Sub jumlah - Pinjaman yang diberikandan piutang 38.048 58.626 Sub total - Loans and receivable

Jumlah Pendapatan Bunga - Valuta asing 47.514 58.659 Total Interest Earned - Foreign currencies

Jumlah Pendapatan Bunga 1.040.498 935.351 Total Interest Earned

28. BEBAN BUNGA

28. INTEREST EXPENSE

2016 2015Rp Juta / Rp Juta / Rp Million Rp Million

Liabilitas keuangan diukur pada Financial liabilities measured atbiaya perolehan diamortisasi amortized costRupiah Rupiah

Simpanan 603.321 581.408 DepositsSimpanan dari bank lain 35.740 13.519 Deposits from other banksLainnya 4.745 11.942 Others

Sub jumlah 643.806 606.869 Sub total

Valuta Asing Foreign currenciesSimpanan 29.841 38.963 DepositsSimpanan dari bank lain 24 - Deposits from other banks

Sub jumlah 29.865 38.963 Sub total

Jumlah Beban Bunga 673.671 645.832 Total Interest Expense

29. PROVISI DAN KOMISI SELAIN KREDIT - BERSIH 29. COMMISSIONS AND FEES FROM

TRANSACTIONS OTHER THAN LOANS - NET

2016 2015Rp Juta/ Rp Juta/Rp Million Rp Million

Kartu kredit 7.058 2.051 Credit cardKomisi ATM bersama 4.917 4.545 Interbank ATM commisionAsuransi 2.928 2.591 InsuranceKiriman uang 2.850 5.825 Money transfersLainnya - bersih 1.432 1.266 Others - Net

Jumlah 19.185 16.278 Total

PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 66 -

30. PENDAPATAN OPERASIONAL LAIN - LAINNYA 30. OTHER OPERATING REVENUES - OTHERS

2016 2015Rp Juta/ Rp Juta/Rp Million Rp Million

Pendapatan administrasi 18.619 11.350 Administrative incomePendapatan denda 15.406 14.090 PenaltiesLainnya 5.575 8.151 Others

Jumlah 39.600 33.591 Total

31. BEBAN (PEMULIHAN) KERUGIAN PENURUNAN NILAI

31. PROVISION (REVERSAL OF PROVISION) OF IMPAIRMENT LOSSES

2016 2015Rp Juta/ Rp Juta/Rp Million Rp Million

Aset keuangan Financial AssetsPinjaman yang diberikan

dan piutang Loans and receivableKredit (Catatan 11) 39.880 5.061 Loans (Note 11)

Aset Non-keuangan Non-financial Assets Agunan yang diambil alih (Catatan 17) (10.001) (540) Foreclosed collaterals (Note 17)

Jumlah 29.879 4.521 Total

32. BEBAN UMUM DAN ADMINISTRASI 32. GENERAL AND ADMINISTRATIVE EXPENSES

2016 2015Rp Juta/ Rp Juta/Rp Million Rp Million

Biaya sew a gedung dan pemeliharaan 38.081 40.228 Office rental and maintenanceData komunikasi dan sew a komputer 36.193 31.129 Data communication and computer rentalPenyusutan dan amortisasi Depreciation and amortization

(Catatan 15 dan 16) 17.064 13.489 (Notes 15 and 16)Keanggotaan kartu kredit 16.190 3.767 Credit card membershipTransportasi dan sew a kendaraan 14.154 15.133 Transportation and vehicle rentalPromosi dan iklan 9.909 7.331 Advertising and promotionKeamanan 9.229 9.012 SecurityOutsourcing 8.102 3.693 OutsourcingListrik dan air 5.629 6.731 Electricity and w aterJasa tenaga ahli 5.082 1.660 Professional feesTelepon, teleks dan fax 3.170 4.254 Telephone, telex and faxPemeliharaan dan perbaikan 3.080 1.887 Repairs and maintenanceAdministrasi bank 2.852 2.279 Bank administrationCetakan dan alat tulis 2.694 2.188 Printing and stationeryAsuransi 1.601 1.895 InsurancePengiriman 1.268 1.415 CourierPerjalanan dinas 1.004 1.236 Business travelLainnya 4.247 3.610 Others

Jumlah 179.549 150.937 Total

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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33. BEBAN TENAGA KERJA 33. PERSONNEL EXPENSES

2016 2015Rp Juta/ Rp Juta/Rp Million Rp Million

Gaji 132.003 102.092 SalariesTunjangan 44.587 37.321 Allow ancesHonorarium dan bonus 11.882 10.178 Honorarium and bonusesBeban pelatihan karyaw an 4.023 3.867 Employee trainingLainnya 1.803 12.130 Others

Jumlah 194.298 165.588 Total

Rincian gaji dan tunjangan atas kelompok direksi, dewan komisaris, komite audit dan pejabat eksekutif adalah sebagai berikut:

Details of salaries and benefits of directors, commissioners, audit committee and executive officers are as follows:

Jumlah Gaji dan Beban manfaatPejabat/ Tunjangan/ karyaw an/

Number of Salaries and Post-employment Jumlah/Officers Benefits benefit Total

Rp Juta/ Rp Juta/ Rp Juta/Rp Million Rp Million Rp Million

Dew an Komisaris 3 1.840 - 1.840 Board of CommissionersDireksi 5 10.538 - 10.538 DirectorsAnggota Komite Audit 4 864 - 864 Audit Committee Members Pejabat Eksekutif 41 32.139 5.857 37.996 Executive off icers

Jumlah 53 45.381 5.857 51.238 Total

2016

Jumlah Gaji dan Beban manfaatPejabat/ Tunjangan/ karyawan/

Number of Salaries and Post-employment Jumlah/Officers Benefits benefit Total

Rp Juta/ Rp Juta/ Rp Juta/Rp Million Rp Million Rp Million

Dewan Komisaris 3 1.500 - 1.500 Board of CommissionersDireksi 5 9.763 - 9.763 DirectorsAnggota Komite Audit 4 750 - 750 Audit Committee Members Pejabat Eksekutif 39 22.308 6.170 28.478 Executive officers

Jumlah 51 34.321 6.170 40.491 Total

2015

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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33. BEBAN TENAGA KERJA 33. PERSONNEL EXPENSES

2016 2015Rp Juta/ Rp Juta/Rp Million Rp Million

Gaji 132.003 102.092 SalariesTunjangan 44.587 37.321 Allow ancesHonorarium dan bonus 11.882 10.178 Honorarium and bonusesBeban pelatihan karyaw an 4.023 3.867 Employee trainingLainnya 1.803 12.130 Others

Jumlah 194.298 165.588 Total

Rincian gaji dan tunjangan atas kelompok direksi, dewan komisaris, komite audit dan pejabat eksekutif adalah sebagai berikut:

Details of salaries and benefits of directors, commissioners, audit committee and executive officers are as follows:

Jumlah Gaji dan Beban manfaatPejabat/ Tunjangan/ karyaw an/

Number of Salaries and Post-employment Jumlah/Officers Benefits benefit Total

Rp Juta/ Rp Juta/ Rp Juta/Rp Million Rp Million Rp Million

Dew an Komisaris 3 1.840 - 1.840 Board of CommissionersDireksi 5 10.538 - 10.538 DirectorsAnggota Komite Audit 4 864 - 864 Audit Committee Members Pejabat Eksekutif 41 32.139 5.857 37.996 Executive off icers

Jumlah 53 45.381 5.857 51.238 Total

2016

Jumlah Gaji dan Beban manfaatPejabat/ Tunjangan/ karyawan/

Number of Salaries and Post-employment Jumlah/Officers Benefits benefit Total

Rp Juta/ Rp Juta/ Rp Juta/Rp Million Rp Million Rp Million

Dewan Komisaris 3 1.500 - 1.500 Board of CommissionersDireksi 5 9.763 - 9.763 DirectorsAnggota Komite Audit 4 750 - 750 Audit Committee Members Pejabat Eksekutif 39 22.308 6.170 28.478 Executive officers

Jumlah 51 34.321 6.170 40.491 Total

2015

PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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34. PAJAK PENGHASILAN

Beban pajak Bank terdiri dari:

34. INCOME TAX

Tax expense of the Bank consists of the following:

2016 2015Rp Juta/ Rp Juta/

Rp Million Rp Million

Pajak tangguhan 3.786 3.010 Deffered tax

Pajak Kini Rekonsiliasi antara laba sebelum pajak menurut laporan laba rugi dan penghasilan komprehensif lain dengan laba kena pajak adalah sebagai berikut:

Current Tax A reconciliation between income before tax per statement of profit or loss and other comprehensive income and taxable income is as follows:

2016 2015

Rp Juta/ Rp Juta/Rp Million Rp Million

Laba sebelum pajak penghasilan Income before tax expense per statementsmenurut laporan laba rugi of profit or loss and other comprehensive dan penghasilan komprehensif lain 13.135 11.188 income

Perbedaan temporer: Temporary differences:Cadangan manfaat pensiun karyaw an 6.085 (1.646) Provision for employee benefitsCadangan kerugian penurunan nilai Allow ance for impairment losses on

aset keuangan dan non-keuangan 96.008 (94.491) financial and non-financial assetsPenyusutan aset tetap dan aset Depreciation of premises and equipment

tak berw ujud (5.642) (7.012) and intangible assetsLainnya 2.560 (699) Others

Jumlah 99.011 (103.848) Total

Beban yang tidak dapat diperhitungkan menurut f iskal: Non deductible expenses:Sanksi administrasi (356) 7 PenaltiesNatura 104 412 Benefit in kindLainnya 729 432 Others

Jumlah 477 851 Total

Laba (rugi) kena pajak Bank sebelum Bank's taxable income (loss) before kompensasi kerugian f iskal 112.623 (91.809) f iscal loss carryforw ard

Penyesuaian atas pajak kini Adjustment for current taxyang berasal dari periode lalu 1.533 - of prior period

Rugi f iskal Fiscal loss2011 (111.512) (111.512) 20112012 (6.129) (6.129) 20122014 (108.154) (108.154) 20142015 (91.809) - 2015

Akumulasi Rugi Fiskal (203.448) (317.604) Accumulated Fiscal Losses

Rugi fiskal Bank tahun 2015 hasil rekonsiliasi menjadi dasar dalam pengisian Surat Pemberitahuan Tahunan (SPT) Pajak Penghasilan Badan dan sudah sesuai dengan SPT yang disampaikan ke Kantor Pelayanan Pajak.

The Bank’s fiscal loss reconciliation for 2015 becomes the basis for the annual corporate income tax and is in accordance with the corporate tax return filed by the Bank to the Tax Service Office.

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Bank telah menerima surat ketetapan pajak nihil pajak penghasilan untuk tahun 2011 dari Direktorat Jenderal Pajak No. 00006/506/11/054/16 tanggal 27 Desember 2016 atas rugi fiskal yang sebelumnya Rp 142.503 juta menjadi Rp 70.810 juta. Bank telah menyesuaikan hasil pemeriksaan tersebut pada tahun berjalan.

The Bank received corporate income tax nil assesment letter for year 2011 from Direktorat Jenderal Pajak No. 00006/56/11/054/16 dated December 27, 2016 regarding fiscal loss previously recorded amounting Rp 142,503 million to Rp 70,810 million. The Bank has adjusted in accordance with the results of tax assessment on the current year.

Pajak Tangguhan

Rincian dari aset dan liabilitas pajak tangguhan Bank adalah sebagai berikut:

Deferred Tax

The details of the Bank’s deferred tax assets (liabilities) are as follows:

Dikreditkan Dikreditkan(dibebankan) (dibebankan)

Dikreditkan ke penghasilan Dikreditkan ke penghasilan(dibebankan) komprehensif lain/ (dibebankan) komprehensif lain/ke laba rugi Credited ke laba rugi Credited

Credited (charged) to Credited (charged) to1 Januari/ (charged) to other 31 Desember/ (charged) to other 31 Desember/January 1, profit or comprehensive December 31, profit or comprehensive December 31,

2015 loss income 2015 loss income 2016Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/

Rp Mill ion Rp Mill ion Rp Mill ion Rp Mill ion Rp Mill ion Rp Mill ion Rp Mill ion

Aset (l iabilitas) pajak tangguhan Deferred tax assets (liabilities)Cadangan kerugian penurunan Allowance for impairment losses

nilai kredit (15.594) (23.488) - (39.082) 26.502 - (12.580) on loansPenyusutan aset tetap dan aset Depreciation of premises and equipment

tak berwujud 5.995 (1.753) - 4.242 (1.410) - 2.832 and intangible assetsLiabilitas imbalan pasca kerja 11.230 (412) (1.485) 9.333 1.521 1.145 11.999 Post-employment benefits obligationCadangan kerugian selain kredit Allowance for impairment losses -

yang diberikan 4.930 (135) - 4.795 (2.500) - 2.295 other than loansKerugian (keuntungan) yang belum Unrealized loss (gain) on changes

direalisasi atas perubahan nilai in fair value of available-for-salewajar efek tersedia untuk dijual 21.912 - (18.479) 3.433 - (1.312) 2.121 securities

Lainnya 1.080 (175) - 905 640 - 1.545 OthersRugi fiskal 56.449 22.953 - 79.402 (28.539) - 50.863 Fiscal loss

Jumlah Aset Pajak Tangguhan 86.002 (3.010) (19.964) 63.028 (3.786) (167) 59.075 Total Deferred Tax Assets

Rugi fiskal dapat dikompensasi dengan laba fiskal pada masa lima tahun mendatang sejak kerugian fiskal terjadi. Manajemen memperkirakan bahwa akumulasi kerugian fiskal dapat dikompensasikan dengan laba fiskal masa mendatang.

The fiscal loss can be utilized against the taxable income for a period of five years subsequent to the year the fiscal loss was incurred. Management believes that probable future taxable profits will be available to utilize accumulated fiscal losses.

Rekonsiliasi antara beban pajak dan hasil perkalian laba akuntansi sebelum pajak dengan tarif pajak efektif yang berlaku adalah sebagai berikut:

A reconciliation between the total tax expense and the amount computed by applying the effective tax rates to income before tax is as follows:

2016 2015Rp Juta/ Rp Juta/Rp Million Rp Million

Laba sebelum beban pajak Income before tax expensepenghasilan menurut laporan laba rugi per statements of profit or dan penghasilan komprehensif lain 13.135 11.188 loss and other comprehensive income

Tarif pajak yang berlaku 3.284 2.797 Tax expense at effective tax ratesPengaruh pajak atas perbedaan tetap 119 213 Tax effect on permanent differencesPenyesuaian atas pajak kini yang Adjustment for current tax of

berasal dari periode lalu 383 - prior period

Beban Pajak 3.786 3.010 Tax Expense

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Bank telah menerima surat ketetapan pajak nihil pajak penghasilan untuk tahun 2011 dari Direktorat Jenderal Pajak No. 00006/506/11/054/16 tanggal 27 Desember 2016 atas rugi fiskal yang sebelumnya Rp 142.503 juta menjadi Rp 70.810 juta. Bank telah menyesuaikan hasil pemeriksaan tersebut pada tahun berjalan.

The Bank received corporate income tax nil assesment letter for year 2011 from Direktorat Jenderal Pajak No. 00006/56/11/054/16 dated December 27, 2016 regarding fiscal loss previously recorded amounting Rp 142,503 million to Rp 70,810 million. The Bank has adjusted in accordance with the results of tax assessment on the current year.

Pajak Tangguhan

Rincian dari aset dan liabilitas pajak tangguhan Bank adalah sebagai berikut:

Deferred Tax

The details of the Bank’s deferred tax assets (liabilities) are as follows:

Dikreditkan Dikreditkan(dibebankan) (dibebankan)

Dikreditkan ke penghasilan Dikreditkan ke penghasilan(dibebankan) komprehensif lain/ (dibebankan) komprehensif lain/ke laba rugi Credited ke laba rugi Credited

Credited (charged) to Credited (charged) to1 Januari/ (charged) to other 31 Desember/ (charged) to other 31 Desember/January 1, profit or comprehensive December 31, profit or comprehensive December 31,

2015 loss income 2015 loss income 2016Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/

Rp Mill ion Rp Mill ion Rp Mill ion Rp Mill ion Rp Mill ion Rp Mill ion Rp Mill ion

Aset (l iabilitas) pajak tangguhan Deferred tax assets (liabilities)Cadangan kerugian penurunan Allowance for impairment losses

nilai kredit (15.594) (23.488) - (39.082) 26.502 - (12.580) on loansPenyusutan aset tetap dan aset Depreciation of premises and equipment

tak berwujud 5.995 (1.753) - 4.242 (1.410) - 2.832 and intangible assetsLiabilitas imbalan pasca kerja 11.230 (412) (1.485) 9.333 1.521 1.145 11.999 Post-employment benefits obligationCadangan kerugian selain kredit Allowance for impairment losses -

yang diberikan 4.930 (135) - 4.795 (2.500) - 2.295 other than loansKerugian (keuntungan) yang belum Unrealized loss (gain) on changes

direalisasi atas perubahan nilai in fair value of available-for-salewajar efek tersedia untuk dijual 21.912 - (18.479) 3.433 - (1.312) 2.121 securities

Lainnya 1.080 (175) - 905 640 - 1.545 OthersRugi fiskal 56.449 22.953 - 79.402 (28.539) - 50.863 Fiscal loss

Jumlah Aset Pajak Tangguhan 86.002 (3.010) (19.964) 63.028 (3.786) (167) 59.075 Total Deferred Tax Assets

Rugi fiskal dapat dikompensasi dengan laba fiskal pada masa lima tahun mendatang sejak kerugian fiskal terjadi. Manajemen memperkirakan bahwa akumulasi kerugian fiskal dapat dikompensasikan dengan laba fiskal masa mendatang.

The fiscal loss can be utilized against the taxable income for a period of five years subsequent to the year the fiscal loss was incurred. Management believes that probable future taxable profits will be available to utilize accumulated fiscal losses.

Rekonsiliasi antara beban pajak dan hasil perkalian laba akuntansi sebelum pajak dengan tarif pajak efektif yang berlaku adalah sebagai berikut:

A reconciliation between the total tax expense and the amount computed by applying the effective tax rates to income before tax is as follows:

2016 2015Rp Juta/ Rp Juta/Rp Million Rp Million

Laba sebelum beban pajak Income before tax expensepenghasilan menurut laporan laba rugi per statements of profit or dan penghasilan komprehensif lain 13.135 11.188 loss and other comprehensive income

Tarif pajak yang berlaku 3.284 2.797 Tax expense at effective tax ratesPengaruh pajak atas perbedaan tetap 119 213 Tax effect on permanent differencesPenyesuaian atas pajak kini yang Adjustment for current tax of

berasal dari periode lalu 383 - prior period

Beban Pajak 3.786 3.010 Tax Expense

PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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35. LABA PER SAHAM

Berikut ini adalah data yang digunakan untuk perhitungan laba per saham dasar/dilusian:

35. EARNINGS PER SHARE

The computation of basic/diluted earnings per share attributable to the owners of the Bank is based on the following data:

2016 2015

Rp Juta/ Rp Juta/

Rp Million Rp Million

Laba bersih Net income

Laba untuk perhitungan Earnings for computation of

per saham dasar/dilusian: basic/diluted earnings per share:Laba bersih 9.349 8.178 Net income

Lembar/ Lembar/Jumlah Saham (dalam angka penuh) Shares Shares Numbers of Shares (in full amount)

Jumlah rata-rata tertimbang saham Weighted average number of ordinary

biasa untuk perhitungan laba shares for computation of basic/

bersih per saham dasar/dilusian 18.383.194.895 13.511.778.343 diluted earnings per share

Pengaruh efek berpotensi saham Effect of dilutive potential ordinary

biasa yang dilutif - w aran 1.401.188.771 874.817.998 shares - w arrants

Jumlah rata-rata tertimbang saham Weighted average number of ordinary

biasa untuk perhitungan laba shares for computation of dilutedper saham dilusian 19.784.383.666 14.386.596.341 earnings per share

36. LIABILITAS IMBALAN PASCA KERJA 36. POST-EMPLOYMENT BENEFIT OBLIGATION

a. Program Iuran Pasti a. Defined Contribution Plan

Bank menyelenggarakan program iuran pasti untuk seluruh karyawan tetap yang dikelola oleh DPLK Manulife Indonesia. Iuran ini berasal dari 2% gaji pokok yang dibayarkan karyawan, sedangkan sisanya sebesar 3,5% sampai 10% dibayarkan oleh Bank per bulan.

The Bank provides defined contribution plan for all of its permanent employees, which is managed by DPLK Manulife Indonesia. Contribution to the pension plan consists of a payment of 2% of basic salary paid by the employee, and 3.5% up to 10% contributed by the Bank per month.

Beban pensiun Bank yang timbul dari program iuran pasti adalah sebesar Rp 2.476 juta dan Rp 2.630 juta masing-masing pada tanggal 31 Desember 2016 dan 2015.

The Bank’s pension expense arising from the defined contribution plan amounted to Rp 2,476 million and Rp 2,630 million as of December 31, 2016 and 2015, respectively.

b. Program Imbalan Pasti b. Defined Benefits Plan

Bank juga menghitung imbalan pasca kerja imbalan pasti untuk karyawan sesuai dengan Undang-undang Ketenagakerjaan No. 13/2003. Jumlah karyawan yang berhak memperoleh manfaat tersebut sebanyak 889 dan 902 masing-masing pada tanggal 31 Desember 2016 dan 2015.

The Bank also calculates defined post-employment benefits for its employees in accordance with Labor Law No. 13/2003. The number of employees entitled to the benefits are 889 and 902 as of December 31, 2016 and 2015, respectively.

Bank mengakui tambahan liabilitas imbalan pasca kerja berupa kekurangan antara liabilitas imbalan pasca kerja berdasarkan program iuran pasti dengan manfaat minimum yang dipersyaratkan undang-undang tenaga kerja.

The Bank recognized the cost of providing post-employement benefits as shortage of benefits provided by the defined contribution plan against the minimum benefits required in accordance with the labor law.

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PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Program pensiun imbalan pasti memberikan eksposur Bank terhadap risiko aktuarial seperti risiko tingkat bunga, risiko harapan hidup dan risiko gaji.

The defined benefit pension plan typically exposes the Bank to actuarial risks such as: interest rate risk, longevity risk and salary risk.

Risiko Tingkat Bunga Interest risk

Penurunan suku bunga obligasi akan meningkatkan liabilitas program.

A decrease in the bond interest rate will increase the plan liability.

Risiko Harapan Hidup Longevity risk

Nilai kini kewajiban imbalan pasti dihitung dengan mengacu pada estimasi terbaik dari mortalitas peserta program baik selama dan setelah kontrak kerja. Peningkatan harapan hidup peserta program akan meningkatkan liabilitas program.

The present value of the defined benefit plan liability is calculated by reference to the best estimate of the mortality of plan participants both during and after their employment. An increase in the life expectancy of the plan participants will increase the plan’s liability.

Risiko Gaji Salary risk

Nilai kini kewajiban imbalan pasti dihitung dengan mengacu pada gaji masa depan peserta program. Dengan demikian, kenaikan gaji peserta program akan meningkatkan liabilitas program itu.

The present value of the defined benefit plan liability is calculated by reference to the future salaries of plan participants. As such, an increase in the salary of the plan participants will increase the plan’s liability.

Imbalan Kerja Jangka Panjang Lain Bank memberikan imbalan kerja jangka panjang lain berupa cuti besar kepada karyawan yang memenuhi persyaratan ditentukan berdasarkan pada masa kerja.

Other Long Term Employee Benefits The Bank provides other long term benefits such as grand leaves to qualifying employees determined based on years of service.

Imbalan Imbalan pasca-kerja/ kerja jangka

Post- panjang lainnya/employment Other long term Jumlah/

benefits benefits TotalRp Juta/ Rp Juta/ Rp Juta/Rp Million Rp Million Rp Million

Biaya jasa: Service cost:Biaya jasa kini 9.159 1.304 10.463 Current service costBiaya jasa lalu (1.746) (51) (1.797) Past service cost

Biaya bunga neto 3.457 181 3.638 Net interest costKeuntungan aktuarial bersih - (168) (168) Net actuarial gains

Komponen dari biaya imbalan pasti Components of defined benefit costsyang diakui dalam laba rugi 10.870 1.266 12.136 recognised in profit or loss

Pengukuran kembali liabilitas imbalan Remeasurement on the net definedpasti - neto: benefit liability:Kerugian aktuarial yang timbul Actuarial loss arising from changes in

dari perubahan asumsi keuangan 5.879 - 5.879 financial assumptionsKeuntungan aktuarial yang timbul dari

penyesuaian (1.298) - (1.298) Actuarial gains arising from adjustments

Komponen beban imbalan pasti yang Components of defined benefit costsdiakui dalam penghasilan komprehensif recognised in other comprehensivelain 4.581 - 4.581 income

Jumlah 15.451 1.266 16.717 Total

2016

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 71 -

Program pensiun imbalan pasti memberikan eksposur Bank terhadap risiko aktuarial seperti risiko tingkat bunga, risiko harapan hidup dan risiko gaji.

The defined benefit pension plan typically exposes the Bank to actuarial risks such as: interest rate risk, longevity risk and salary risk.

Risiko Tingkat Bunga Interest risk

Penurunan suku bunga obligasi akan meningkatkan liabilitas program.

A decrease in the bond interest rate will increase the plan liability.

Risiko Harapan Hidup Longevity risk

Nilai kini kewajiban imbalan pasti dihitung dengan mengacu pada estimasi terbaik dari mortalitas peserta program baik selama dan setelah kontrak kerja. Peningkatan harapan hidup peserta program akan meningkatkan liabilitas program.

The present value of the defined benefit plan liability is calculated by reference to the best estimate of the mortality of plan participants both during and after their employment. An increase in the life expectancy of the plan participants will increase the plan’s liability.

Risiko Gaji Salary risk

Nilai kini kewajiban imbalan pasti dihitung dengan mengacu pada gaji masa depan peserta program. Dengan demikian, kenaikan gaji peserta program akan meningkatkan liabilitas program itu.

The present value of the defined benefit plan liability is calculated by reference to the future salaries of plan participants. As such, an increase in the salary of the plan participants will increase the plan’s liability.

Imbalan Kerja Jangka Panjang Lain Bank memberikan imbalan kerja jangka panjang lain berupa cuti besar kepada karyawan yang memenuhi persyaratan ditentukan berdasarkan pada masa kerja.

Other Long Term Employee Benefits The Bank provides other long term benefits such as grand leaves to qualifying employees determined based on years of service.

Imbalan Imbalan pasca-kerja/ kerja jangka

Post- panjang lainnya/employment Other long term Jumlah/

benefits benefits TotalRp Juta/ Rp Juta/ Rp Juta/Rp Million Rp Million Rp Million

Biaya jasa: Service cost:Biaya jasa kini 9.159 1.304 10.463 Current service costBiaya jasa lalu (1.746) (51) (1.797) Past service cost

Biaya bunga neto 3.457 181 3.638 Net interest costKeuntungan aktuarial bersih - (168) (168) Net actuarial gains

Komponen dari biaya imbalan pasti Components of defined benefit costsyang diakui dalam laba rugi 10.870 1.266 12.136 recognised in profit or loss

Pengukuran kembali liabilitas imbalan Remeasurement on the net definedpasti - neto: benefit liability:Kerugian aktuarial yang timbul Actuarial loss arising from changes in

dari perubahan asumsi keuangan 5.879 - 5.879 financial assumptionsKeuntungan aktuarial yang timbul dari

penyesuaian (1.298) - (1.298) Actuarial gains arising from adjustments

Komponen beban imbalan pasti yang Components of defined benefit costsdiakui dalam penghasilan komprehensif recognised in other comprehensivelain 4.581 - 4.581 income

Jumlah 15.451 1.266 16.717 Total

2016

PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Imbalan Imbalan pasca-kerja/ kerja jangka

Post- panjang lainnya/employment Other long term Jumlah/

benefits benefits TotalRp Juta/ Rp Juta/ Rp Juta/Rp Million Rp Million Rp Million

Biaya jasa: Service cost:Biaya jasa kini 7.462 1.343 8.805 Current service costBiaya jasa lalu (2.782) (132) (2.914) Past service cost

Biaya bunga neto 3.122 215 3.337 Net interest costKeuntungan aktuarial bersih - (849) (849) Net actuarial gains

Komponen dari biaya imbalan pasti Components of defined benefit costsyang diakui dalam laba rugi 7.802 577 8.379 recognised in profit or loss

Pengukuran kembali liabilitas imbalan Remeasurement on the net definedpasti - neto: benefit liability:Keuntungan aktuarial yang timbul Actuarial gains arising from changes in

dari perubahan asumsi keuangan (2.498) - (2.498) financial assumptionsKeuntungan aktuarial yang timbul dari

penyesuaian (3.442) - (3.442) Actuarial gains arising from adjustments

Komponen beban imbalan pasti yang Components of defined benefit costsdiakui dalam penghasilan komprehensif recognised in other comprehensivelain (5.940) - (5.940) income

Jumlah 1.862 577 2.439 Total

2015

Jumlah tercatat di laporan posisi keuangan yang timbul dari liabilitas terkait dengan imbalan kerja selain pensiun iuran pasti adalah sebagai berikut:

The amounts included in the statements of financial position arising from the obligation in respect of the employee benefits other than defined contributions are as follows:

2016 2015Rp Juta/ Rp Juta/Rp Million Rp Million

Imbalan pasca-kerja 45.282 34.823 Post-employment benefitsImbalan kerja jangka panjang lainnya 2.715 2.508 Other long term benefits

Jumlah 47.997 37.331 Total

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PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Mutasi nilai kini kewajiban imbalan pasca kerja pada tahun berjalan adalah sebagai berikut:

Movements in the present values of employee benefits obligation in the current year are as follows:

Imbalan Imbalan pasca-kerja/ kerja jangka

Post- panjang lainnya/employment Other long term Jumlah/

benefits benefits Total

Rp Juta/ Rp Juta/ Rp Juta/Rp Million Rp Million Rp Million

Saldo aw al 34.823 2.508 37.331 Beginning balanceBiaya jasa kini 9.159 1.304 10.463 Current service costBiaya jasa lalu (1.746) (51) (1.797) Past service costBiaya bunga 3.457 181 3.638 Interest costKeuntungan aktuarial bersih - (168) (168) Net actuarial gainsPengukuran kembali

keuntungan (kerugian): Remeasurement gains (losses):Keuntungan aktuarial yang Actuarial gains arising

timbul dari perubahan from changes in asumsi keuangan 5.879 - 5.879 f inancial assumptions

Keuntungan aktuarial yang Actuarial gains arisingtimbul dari penyesuaian (1.298) - (1.298) from adjustments

Pembayaran manfaat (4.992) (1.059) (6.051) Benefits paid

Saldo akhir 45.282 2.715 47.997 Ending balance

2016

Imbalan Imbalan pasca-kerja/ kerja jangka

Post- panjang lainnya/employment Other long term Jumlah/

benefits benefits Total

Rp Juta/ Rp Juta/ Rp Juta/Rp Million Rp Million Rp Million

Saldo aw al 41.616 3.301 44.917 Beginning balanceBiaya jasa kini 7.462 1.343 8.805 Current service costBiaya jasa lalu (2.782) (132) (2.914) Past service costBiaya bunga 3.122 215 3.337 Interest costKeuntungan aktuarial bersih - (849) (849) Net actuarial gainsPengukuran kembali

keuntungan (kerugian): Remeasurement gains (losses):Keuntungan aktuarial yang Actuarial gains arising

timbul dari perubahan from changes in asumsi keuangan (2.498) - (2.498) f inancial assumptions

Keuntungan aktuarial yang Actuarial gains arisingtimbul dari penyesuaian (3.442) - (3.442) from adjustments

Pembayaran manfaat (8.655) (1.370) (10.025) Benefits paid

Saldo akhir 34.823 2.508 37.331 Ending balance

2015

Asumsi aktuarial yang signifikan untuk penentuan liabilitas imbalan pasti adalah tingkat diskonto dan kenaikkan gaji yang diharapkan dan mortalitas. Sensitivitas analisis di bawah ini ditentukan berdasarkan masing-masing perubahan asumsi yang mungkin terjadi pada akhir periode pelaporan, dengan semua asumsi lain konstan.

Significant actuarial assumptions for the determination of the defined benefit obligation are discount rate and expected salary increase rate. The sensitivity analysis below have been determined based on reasonably possible changes of the respective assumptions occuring at the end of the reporting period, while holding all other assumptions constant.

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 73 -

Mutasi nilai kini kewajiban imbalan pasca kerja pada tahun berjalan adalah sebagai berikut:

Movements in the present values of employee benefits obligation in the current year are as follows:

Imbalan Imbalan pasca-kerja/ kerja jangka

Post- panjang lainnya/employment Other long term Jumlah/

benefits benefits Total

Rp Juta/ Rp Juta/ Rp Juta/Rp Million Rp Million Rp Million

Saldo aw al 34.823 2.508 37.331 Beginning balanceBiaya jasa kini 9.159 1.304 10.463 Current service costBiaya jasa lalu (1.746) (51) (1.797) Past service costBiaya bunga 3.457 181 3.638 Interest costKeuntungan aktuarial bersih - (168) (168) Net actuarial gainsPengukuran kembali

keuntungan (kerugian): Remeasurement gains (losses):Keuntungan aktuarial yang Actuarial gains arising

timbul dari perubahan from changes in asumsi keuangan 5.879 - 5.879 f inancial assumptions

Keuntungan aktuarial yang Actuarial gains arisingtimbul dari penyesuaian (1.298) - (1.298) from adjustments

Pembayaran manfaat (4.992) (1.059) (6.051) Benefits paid

Saldo akhir 45.282 2.715 47.997 Ending balance

2016

Imbalan Imbalan pasca-kerja/ kerja jangka

Post- panjang lainnya/employment Other long term Jumlah/

benefits benefits Total

Rp Juta/ Rp Juta/ Rp Juta/Rp Million Rp Million Rp Million

Saldo aw al 41.616 3.301 44.917 Beginning balanceBiaya jasa kini 7.462 1.343 8.805 Current service costBiaya jasa lalu (2.782) (132) (2.914) Past service costBiaya bunga 3.122 215 3.337 Interest costKeuntungan aktuarial bersih - (849) (849) Net actuarial gainsPengukuran kembali

keuntungan (kerugian): Remeasurement gains (losses):Keuntungan aktuarial yang Actuarial gains arising

timbul dari perubahan from changes in asumsi keuangan (2.498) - (2.498) f inancial assumptions

Keuntungan aktuarial yang Actuarial gains arisingtimbul dari penyesuaian (3.442) - (3.442) from adjustments

Pembayaran manfaat (8.655) (1.370) (10.025) Benefits paid

Saldo akhir 34.823 2.508 37.331 Ending balance

2015

Asumsi aktuarial yang signifikan untuk penentuan liabilitas imbalan pasti adalah tingkat diskonto dan kenaikkan gaji yang diharapkan dan mortalitas. Sensitivitas analisis di bawah ini ditentukan berdasarkan masing-masing perubahan asumsi yang mungkin terjadi pada akhir periode pelaporan, dengan semua asumsi lain konstan.

Significant actuarial assumptions for the determination of the defined benefit obligation are discount rate and expected salary increase rate. The sensitivity analysis below have been determined based on reasonably possible changes of the respective assumptions occuring at the end of the reporting period, while holding all other assumptions constant.

PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 74 -

Dampak dari perubahan asumsi tingkat diskonto dan tingkat kenaikan gaji terhadap nilai kini kewajiban imbalan pasti adalah sebagai berikut:

The effects of movement in assumed discount rate and salary incremental rate on present value of defined benefits obligation are as follows:

Jika tingkat diskonto lebih tinggi (lebih rendah) 1%, kewajiban imbalan pasti akan berkurang sebesar Rp 2.650 juta (meningkat sebesar Rp 2.945 juta) pada tanggal 31 Desember 2016 dan berkurang sebesar Rp 1.964 juta (meningkat sebesar Rp 2.311 juta) pada tanggal 31 Desember 2015.

If the discount rate is 1% higher (lower), the defined benefit obligation would decrease by Rp 2,650 million (increase by Rp 2,945 million) as of December 31, 2016 and decrease by Rp 1,964 million (increase by Rp 2,311 million) as of December 31, 2015.

Jika pertumbuhan gaji yang diharapkan naik

(turun) sebesar 1%, kewajiban imbalan pasti akan naik sebesar Rp 2.079 juta (turun sebesar Rp 3.933 juta) pada tanggal 31 Desember 2016 dan naik sebesar Rp 2.176 juta (turun sebesar Rp 2.116 juta) pada tanggal 31 Desember 2015.

If the expected salary growth rate increases (decreases) by 1%, the defined benefit obligation would increase by Rp 2,079 million (decrease by Rp 3,933 million) as of December 31, 2016 and inrease by Rp 2,176 million (decrease by Rp 2,116 million) as of December 31, 2015.

Analisis sensitivitas yang disajikan di atas mungkin tidak mewakili perubahan yang sebenarnya dalam kewajiban imbalan pasti mengingat bahwa perubahan asumsi terjadinya tidak terisolasi satu sama lain karena beberapa asumsi tersebut mungkin berkorelasi.

The sensitivity analysis presented above may not be representative of the actual change in the defined benefits obligation as it is unlikely that the change in assumptions would occur in isolation of one another as some of the assumptions may be correlated.

Selanjutnya, dalam menyajikan analisis sensitivitas di atas, nilai kini kewajiban imbalan pasti dihitung dengan menggunakan metode projected unit credit pada akhir periode pelaporan, yang sama dengan yang diterapkan dalam menghitung liabilitas manfaat pasti yang diakui dalam laporan posisi keuangan.

Furthermore, in presenting the above sensitivity analysis, the present value of the defined benefits obligation has been calculated using the projected unit credit method at the end of the reporting period, which is the same as that applied in calculating the defined benefits obligation recognized in the statement of financial position.

Tidak ada perubahan dalam metode dan asumsi yang digunakan dalam penyusunan analisis sensitivitas dari tahun sebelumnya.

There was no change in the methods and assumptions used in preparing the sensitivity analysis from prior years.

Rata-rata masa kerja karyawan aktif dari kewajiban imbalan pada tanggal 31 Desember 2016 adalah 7,30 tahun (2015: 7,25 tahun).

The average active members of the benefit obligation at December 31, 2016 is 7.30 years (2015: 7.25 years).

Perhitungan imbalan pasca kerja untuk periode 31 Desember 2016 dan 2015 dihitung oleh PT Padma Raya Aktuaria, aktuaris independen dengan menggunakan asumsi utama sebagai berikut:

The cost of providing employee benefits as of December 31, 2016 and 2015 was calculated by an independent actuary, PT Padma Raya Aktuaria, respectively, using the following key assumptions:

2016 2015

Usia pensiun normal 55 tahun/years 55 tahun/years Normal pension ageTingkat pengunduran diri 18% p.a. sampai usia 35 18% p.a. sampai usia 35 Resignation rate

kemudian secara linier menurun kemudian secara linier menurunsampai 0% di usia 55/ sampai 0% di usia 55/

18% p.a. at age 35 and 18% p.a. at age 35 anddecreases linearly decreases linearlyto 0% at age 55 to 0% at age 55

Porsi dari pengunduran diri dipercepat 1,3% 1,3% Proportion of early retirementTingkat diskonto per tahun 8,25% 8,75% Annual discount rateTingkat kenaikan gaji 6% 6% Future salary increment ratePorsi pengambilan pensiun normal 100% 100% Normal retirement portionTingkat kecacatan 5% TMI3 5% TMI3 Disability rate

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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37. SIFAT DAN TRANSAKSI BERELASI

37. NATURE OF RELATIONSHIP AND TRANSACTIONS WITH RELATED PARTIES

Sifat Berelasi Nature of Relationship a. PT MNC investama adalah entitas induk

terakhir Bank a. PT MNC Investama is the ultimate parent of

the Bank

b. PT MNC Kapital Indonesia merupakan pemegang saham Bank

b. PT MNC Kapital Indonesia is a shareholder of the Bank

c. Pihak berelasi yang pemegang saham

utamanya sama dengan Bank: c. Related parties with the same majority

stockholder as the Bank: PT MNC Asset Management PT MNC Asset Management PT MNC Finance PT MNC Finance PT MNC Securities PT MNC Securities PT MNC Life Assurance PT MNC Life Assurance PT MNC Asuransi Indonesia PT MNC Asuransi Indonesia PT MNC Guna Usaha Indonesia PT MNC Guna Usaha Indonesia PT Medan Nusantara Propertindo PT Medan Nusantara Propertindo PT Riau Nusantara Propertindo PT Riau Nusantara Propertindo PT Bandung Nusantara Propertindo PT Bandung Nusantara Propertindo PT Semarang Nusantara Propertindo PT Semarang Nusantara Propertindo PT Makasar Nusantara Propertindo PT Makasar Nusantara Propertindo PT Jakarta Nusantara Propertindo PT Jakarta Nusantara Propertindo PT Surabaya Nusantara Propertindo PT Surabaya Nusantara Propertindo PT Palembang Nusantara Propertindo PT Palembang Nusantara Propertindo PT Yogyakarta Nusantara Propertindo PT Yogyakarta Nusantara Propertindo

d. Pihak berelasi yang merupakan entitas dalam grup yang sama:

d. Related parties which are entities that are members of the same group:

PT MNC Land PT MNC Land PT Rajawali Citra Televisi Indonesia PT Rajawali Citra Televisi Indonesia PT Global Informasi Bermutu PT Global Informasi Bermutu PT Cipta Televisi Pendidikan Indonesia PT Cipta Televisi Pendidikan Indonesia PT MNC Sky Vision Tbk PT MNC Sky Vision Tbk PT Nuansa Cipta Coal Investama PT Nuansa Cipta Coal Investama PT Infokom Elektrindo PT Infokom Elektrindo PT GLD Property PT GLD Property PT Sun Televisi Network PT Sun Televisi Network PT Bali Nirwana Resort PT Bali Nirwana Resort PT Putra Muba Coal PT Putra Muba Coal PT Star Media Nusantara PT Star Media Nusantara PT Flash Mobile PT Flash Mobile PT Global Jasa Sejahtera PT Global Jasa Sejahtera Innoform Media Pte Ltd Innoform Media Pte Ltd PT Linktone Indonesia PT Linktone Indonesia PT Media Nusantara Citra PT Media Nusantara Citra PT Mediate Indonesia PT Mediate Indonesia PT MNC Energi PT MNC Energi PT MNC GS Home Shopping PT MNC GS Home Shopping PT MNC Kabel Mediacom PT MNC Kabel Mediacom PT MNC Pictures PT MNC Pictures PT MNC Tencent PT MNC Tencent PT Sky Vision Networks PT Sky Vision Networks PT Tivi Bursa Indonesia PT Tivi Bursa Indonesia MNC International Ltd MNC International Ltd PT Nusadua Graha International PT Nusadua Graha International

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 75 -

37. SIFAT DAN TRANSAKSI BERELASI

37. NATURE OF RELATIONSHIP AND TRANSACTIONS WITH RELATED PARTIES

Sifat Berelasi Nature of Relationship a. PT MNC investama adalah entitas induk

terakhir Bank a. PT MNC Investama is the ultimate parent of

the Bank

b. PT MNC Kapital Indonesia merupakan pemegang saham Bank

b. PT MNC Kapital Indonesia is a shareholder of the Bank

c. Pihak berelasi yang pemegang saham

utamanya sama dengan Bank: c. Related parties with the same majority

stockholder as the Bank: PT MNC Asset Management PT MNC Asset Management PT MNC Finance PT MNC Finance PT MNC Securities PT MNC Securities PT MNC Life Assurance PT MNC Life Assurance PT MNC Asuransi Indonesia PT MNC Asuransi Indonesia PT MNC Guna Usaha Indonesia PT MNC Guna Usaha Indonesia PT Medan Nusantara Propertindo PT Medan Nusantara Propertindo PT Riau Nusantara Propertindo PT Riau Nusantara Propertindo PT Bandung Nusantara Propertindo PT Bandung Nusantara Propertindo PT Semarang Nusantara Propertindo PT Semarang Nusantara Propertindo PT Makasar Nusantara Propertindo PT Makasar Nusantara Propertindo PT Jakarta Nusantara Propertindo PT Jakarta Nusantara Propertindo PT Surabaya Nusantara Propertindo PT Surabaya Nusantara Propertindo PT Palembang Nusantara Propertindo PT Palembang Nusantara Propertindo PT Yogyakarta Nusantara Propertindo PT Yogyakarta Nusantara Propertindo

d. Pihak berelasi yang merupakan entitas dalam grup yang sama:

d. Related parties which are entities that are members of the same group:

PT MNC Land PT MNC Land PT Rajawali Citra Televisi Indonesia PT Rajawali Citra Televisi Indonesia PT Global Informasi Bermutu PT Global Informasi Bermutu PT Cipta Televisi Pendidikan Indonesia PT Cipta Televisi Pendidikan Indonesia PT MNC Sky Vision Tbk PT MNC Sky Vision Tbk PT Nuansa Cipta Coal Investama PT Nuansa Cipta Coal Investama PT Infokom Elektrindo PT Infokom Elektrindo PT GLD Property PT GLD Property PT Sun Televisi Network PT Sun Televisi Network PT Bali Nirwana Resort PT Bali Nirwana Resort PT Putra Muba Coal PT Putra Muba Coal PT Star Media Nusantara PT Star Media Nusantara PT Flash Mobile PT Flash Mobile PT Global Jasa Sejahtera PT Global Jasa Sejahtera Innoform Media Pte Ltd Innoform Media Pte Ltd PT Linktone Indonesia PT Linktone Indonesia PT Media Nusantara Citra PT Media Nusantara Citra PT Mediate Indonesia PT Mediate Indonesia PT MNC Energi PT MNC Energi PT MNC GS Home Shopping PT MNC GS Home Shopping PT MNC Kabel Mediacom PT MNC Kabel Mediacom PT MNC Pictures PT MNC Pictures PT MNC Tencent PT MNC Tencent PT Sky Vision Networks PT Sky Vision Networks PT Tivi Bursa Indonesia PT Tivi Bursa Indonesia MNC International Ltd MNC International Ltd PT Nusadua Graha International PT Nusadua Graha International

PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Transaksi Berelasi

Dalam kegiatan usahanya, Bank juga mengadakan transaksi tertentu dengan pihak-pihak berelasi. Transaksi-transaksi tersebut meliputi antara lain:

Transactions with Related Parties In the course of business, the Bank entered into certain transactions with related parties. These transactions included, among others, the following:

1. Pemberian kredit dan penerimaan bunga

(Catatan 11 dan 27).

1. Granting of loans and receipts of interest (Notes 11 and 27).

2. Penempatan dana dari pihak-pihak berelasi dalam bentuk simpanan dan pembayaran bunga (Catatan 18 dan 28).

2. Placements of funds by related parties in the form of deposits and payments of interest (Notes 18 and 28).

3. Pembelian kendaraan bermotor kepada

PT. MNC Finance (Catatan 23).

3. Purchase of motor vehicles from PT MNC Finance (Note 23).

4. Bank menyewa ruang kantor dari PT MNC Land dan PT GLD Property (Catatan 32).

4. The Bank rents office spaces from PT MNC Land and PT GLD Property (Note 32).

5. Aset tetap Bank, cash-in safe dan kesehatan

diasuransikan pada PT MNC Asuransi Indonesia dan PT MNC Life Assurance (Catatan 32).

5. The Bank’s premises, equipment, cash-in safe and health are insured with PT MNC Asuransi Indonesia dan PT MNC Life Assurance (Note 32).

6. Bank melakukan kegiatan promosi menggunakan jasa PT MNC Pictures, PT Mediate Indonesia dan PT Media Nusantara Cipta (Catatan 13 dan 32).

6. The Bank’s promotion activities using service from PT MNC Pictures, PT Mediate Indonesia and PT Media Nusantara Cipta (Notes 13 and 32).

Persentase kredit dan biaya dibayar dimuka dari pihak yang berelasi terhadap jumlah aset adalah sebagai berikut:

The percentage of loans and prepaid expense from related parties to total assets are as follows:

Rp Juta/ % Rp Juta/ %Rp Million Rp Million

Kredit-sebelum dikurangi cadangan Loans-gross of allow ance forkerugian penurunan nilai (Catatan 11) impairment losses (Note 11)MNC Guna Usaha Indonesia 43.205 0,33 - - MNC Guna Usaha IndonesiaMNC Finance 35.384 0,27 47.824 0,39 MNC FinanceManajemen kunci 19.014 0,15 4.525 0,04 Key managementInfokom Elektrindo 4.526 0,03 5.000 0,05 Infokom Elektrindo

Biaya dibayar dimuka (Catatan 13) Prepaid expenses (Note 13)MNC Land 4.486 0,03 6.001 0,05 MNC LandGLD Property 1.337 0,01 - - GLD PropertyMNC Investama 1.049 0,01 - - MNC InvestamaMNC Life Assurance 861 0,01 675 0,01 MNC Life AssuranceMediate Indonesia 647 - - - Mediate IndonesiaMNC Asuransi Indonesia 179 - 36 - MNC Asuransi IndonesiaMNC Finance 171 - - - MNC FinanceMNC Pictures 16 - - - MNC PicturesMedia Nusantara Citra 5 - 32 - Media Nusantara CitraMNC Kapital Indonesia - - 63 - MNC Kapital Indonesia

Setoran jaminan (Catatan 17) Security deposits (Note 17)Mediate Indonesia 6.238 0,05 - - Mediate Indonesia

Pembelian kendaraan bermotor Purchase of motor vehicles(Catatan 23) (Note 23)MNC Finance 1.241 0,01 - - MNC Finance

Jumlah 118.359 0,90 64.156 0,54 Total

2016 2015

Persentase simpanan dari pihak yang berelasi terhadap jumlah liabilitas adalah sebesar 7,40% dan 9,09% masing-masing pada tanggal 31 Desember 2016 dan 2015.

The percentage of deposits from related parties to total liabilities are 7.40% and 9.09% as of December 31, 2016 and 2015, respectively.

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Persentase pendapatan bunga, beban bunga, beban sewa, beban asuransi dan beban promosi kepada pihak yang berelasi terhadap jumlah pendapatan bunga, beban bunga, serta beban umum dan administrasi adalah sebagai berikut:

The percentage of interest income, interest expense, rental expense, insurance expense and promotion expense from related parties to total interest income, total interest expense, and total general and administrative expense are as follows:

Rp Juta/ % Rp Juta/ %Rp Mill ion Rp Mill ion

Pendapatan bunga 16.862 1,62 7.496 0,78 Interest incomeBeban bunga 35.959 5,34 30.678 4,75 Interest expenseBeban sewa 10.013 5,58 22.516 14,92 Rental expenseBeban promosi 5.298 2,95 1.198 0,79 Promotion expenseBeban listrik 2.759 1,54 - - Electricity expenseBeban komunikasi data 2.178 1,21 - - Data communication expenseBeban asuransi 642 0,36 613 0,41 Insurance expenseBeban transportasi dan sewa kendaraan 474 0,26 359 0,24 Transportation and vehicle expense

2016 2015

38. KOMITMEN DAN KONTINJENSI 38. COMMITMENTS AND CONTINGENCIES

2016 2015Rp Juta/ Rp Juta/Rp Million Rp Million

Komitmen CommitmentsTagihan Komitmen Commitment Receivables

Pembelian berjangka valuta Forw ards foreign currenciesasing 1.100.366 838.009 purchased

Liabilitas Komitmen Commitment LiabilitiesFasilitas kredit kepada nasabah

yang belum digunakan (230.017) (353.363) Unused facilitiesL/C yang irrevocable dan masih Outstanding irrevocable

berjalan dalam rangka Letters of Credit (L/C) forekspor dan impor (27.861) (35.365) export and import

Penjualan valuta asing tunai Unsettled spot foreignyang belum diselesaikan (1.093.203) (819.770) currencies sold

Jumlah Liabilitas Komitmen (1.351.081) (1.208.498) Total Commitment Liabilities

Jumlah Liabilitas Komitmen - bersih (250.715) (370.489) Total Commitment Liabilities - Net

Kontinjensi ContingenciesTagihan Kontinjensi Contingent Receivables

Bank garansi 8.084 8.271 Bank guaranteePendapatan bunga dalam penyelesaian 98.789 80.946 Past due interest revenues

Jumlah tagihan kontinjensi 106.873 89.217 Total contingent receivables

Liabilitas Kontinjensi Contingent LiabilitiesBank garansi (17.353) (9.752) Bank guaranteeStand-by L/C (8.084) (8.271) Stand-by L/C

Jumlah liabilitas kontinjensi (25.437) (18.023) Total contingent liabilities

Jumlah Tagihan Kontinjensi - Bersih 81.436 71.194 Total Contingent Receivables - Net

Lainnya OthersKredit hapus buku (Catatan 11) 449.529 683.968 Loans w ritten - off (Note 11)

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Persentase pendapatan bunga, beban bunga, beban sewa, beban asuransi dan beban promosi kepada pihak yang berelasi terhadap jumlah pendapatan bunga, beban bunga, serta beban umum dan administrasi adalah sebagai berikut:

The percentage of interest income, interest expense, rental expense, insurance expense and promotion expense from related parties to total interest income, total interest expense, and total general and administrative expense are as follows:

Rp Juta/ % Rp Juta/ %Rp Mill ion Rp Mill ion

Pendapatan bunga 16.862 1,62 7.496 0,78 Interest incomeBeban bunga 35.959 5,34 30.678 4,75 Interest expenseBeban sewa 10.013 5,58 22.516 14,92 Rental expenseBeban promosi 5.298 2,95 1.198 0,79 Promotion expenseBeban listrik 2.759 1,54 - - Electricity expenseBeban komunikasi data 2.178 1,21 - - Data communication expenseBeban asuransi 642 0,36 613 0,41 Insurance expenseBeban transportasi dan sewa kendaraan 474 0,26 359 0,24 Transportation and vehicle expense

2016 2015

38. KOMITMEN DAN KONTINJENSI 38. COMMITMENTS AND CONTINGENCIES

2016 2015Rp Juta/ Rp Juta/Rp Million Rp Million

Komitmen CommitmentsTagihan Komitmen Commitment Receivables

Pembelian berjangka valuta Forw ards foreign currenciesasing 1.100.366 838.009 purchased

Liabilitas Komitmen Commitment LiabilitiesFasilitas kredit kepada nasabah

yang belum digunakan (230.017) (353.363) Unused facilitiesL/C yang irrevocable dan masih Outstanding irrevocable

berjalan dalam rangka Letters of Credit (L/C) forekspor dan impor (27.861) (35.365) export and import

Penjualan valuta asing tunai Unsettled spot foreignyang belum diselesaikan (1.093.203) (819.770) currencies sold

Jumlah Liabilitas Komitmen (1.351.081) (1.208.498) Total Commitment Liabilities

Jumlah Liabilitas Komitmen - bersih (250.715) (370.489) Total Commitment Liabilities - Net

Kontinjensi ContingenciesTagihan Kontinjensi Contingent Receivables

Bank garansi 8.084 8.271 Bank guaranteePendapatan bunga dalam penyelesaian 98.789 80.946 Past due interest revenues

Jumlah tagihan kontinjensi 106.873 89.217 Total contingent receivables

Liabilitas Kontinjensi Contingent LiabilitiesBank garansi (17.353) (9.752) Bank guaranteeStand-by L/C (8.084) (8.271) Stand-by L/C

Jumlah liabilitas kontinjensi (25.437) (18.023) Total contingent liabilities

Jumlah Tagihan Kontinjensi - Bersih 81.436 71.194 Total Contingent Receivables - Net

Lainnya OthersKredit hapus buku (Catatan 11) 449.529 683.968 Loans w ritten - off (Note 11)

PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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39. ASET DAN LIABILITAS MONETER DALAM MATA

UANG ASING

Posisi aset dan liabilitas moneter dalam mata uang asing adalah sebagai berikut:

39. MONETARY ASSETS AND LIABILITIES DENOMINATED IN FOREIGN CURRENCIES

The balance of monetary assets and liabilities denominated in foreign currencies are as follows:

2016 2015

Rp Juta/ Rp Juta/Rp Million Rp Million

Aset AssetsKas 3.002 3.923 Cash on handGiro pada Bank Indonesia 168.406 170.934 Demand deposits w ith Bank IndonesiaGiro pada bank lain 272.141 1.266.368 Demand deposits w ith other banksPenempatan pada Bank Indonesia Placements w ith Bank Indonesia and

dan bank lain 579.318 96.495 other banksEfek-efek - 40.791 SecuritiesKredit 460.878 838.185 LoansTagihan akseptasi 89.276 21.234 Acceptances receivableAset lain-lain 8.906 11.649 Other assets

Jumlah 1.581.927 2.449.579 TotalCadangan kerugian penurunan nilai (513) (953) Allow ance for impairment losses

Jumlah 1.581.414 2.448.626 Total

Liabilitas LiabilitiesLiabilitas segera 675 27 Liabilities payable immediatelySimpanan 1.939.206 2.130.477 DepositsLiabilitas akseptasi 89.276 21.234 Acceptances payableLiabilitas lain-lain 3.159 3.417 Other liabilities

Jumlah 2.032.316 2.155.155 Total

Rincian aset dan liabilitas moneter dalam mata uang asing pada tanggal 31 Desember 2016 adalah sebagai berikut:

As of December 31, 2016, the details of monetary assets and liabilities denominated in foreign currencies are as follows:

Mata Uang Asing/ Ekuivalen dalam Rp/Foreign Currency Equivalent in Rp

Rp Juta/Rp Million

ASET Assets

Kas USD 175.024 2.358 CashSGD 69.157 644

Giro pada Bank Indonesia USD 12.500.000 168.406 Demand deposits w ith Bank Indonesia

Giro pada bank lain USD 19.354.201 260.750 Demand deposits w ith other banksSGD 603.118 5.616 EUR 174.286 2.471 AUD 177.226 1.723 HKD 762.655 1.325 JPY 2.220.368 256

Penempatan pada Bank Indonesia Placements w ith Bank Indonesia and dan bank lain USD 43.000.000 579.318 other banks

Kredit USD 34.208.795 460.878 Loans

Tagihan akseptasi USD 6.626.552 89.276 Acceptances receivable

Aset lain-lain USD 661.043 8.906 Other assetsJumlah 1.581.927 Total

Cadangan kerugian penurunan nilai USD (38.208) (513) Allow ance for impairment losses

Jumlah aset 1.581.414 Total assets

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PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Mata Uang Asing/ Ekuivalen dalam Rp/Foreign Currency Equivalent in Rp

Rp Juta/Rp Million

Liabilitas Liabilities

Bank BankLiabilitas segera USD 50.075 675 Liabilities payable immediately

Simpanan USD 143.102.699 1.927.951 DepositsSGD 679.093 6.324 EUR 186.867 2.649 AUD 175.991 1.711 JPY 4.961.137 571

Liabilitas akseptasi USD 6.626.552 89.276 Acceptance payable

Liabilitas lain-lain USD 233.369 3.146 Other liabilitiesLainnya/Others 21.271 13

Jumlah liabilitas 2.032.316 Total liabilities

Jumlah Liabilitas - Bersih (450.902) Total Liabilities - Net

Jumlah aset dan liabilitas moneter pada tanggal 31 Desember 2016 dengan menggunakan kurs 2 Maret 2017 masing-masing sebesar Rp 1.568.240 juta dan Rp 2.015.322 juta.

The total monetary assets and liabilities on December 31, 2016 using the exchange rate on March 2, 2017 amounted to Rp 1,568,240 million and Rp 2,015,322 million, respectively.

Kurs yang digunakan oleh Bank untuk menjabarkan aset dan liabilitas dalam mata uang asing adalah kurs Reuters jam 16.00 WIB dengan rincian sebagai berikut:

The foreign exchange rates used for assets and liabilities of the Bank denominated in foreign currencies were Reuters rates at 4:00 P.M. Western Indonesian Time as follows:

2 Maret/Valuta asing March 2, 2017 2016 2015 Foreign currencies

Rp Rp Rp

1 Dollar Amerika Serikat 13.358,00 13.472,50 13.785,00 1 United States Dollar1 Dollar Singapura 9.467,05 9.311,93 9.758,45 1 Singapore Dollar1 Yen Jepang 116,95 115,07 114,52 1 Japanese Yen1 Euro 14.081,34 14.175,77 15.056,67 1 Euro1 Dollar Hongkong 1.720,77 1.737,34 1.778,70 1 Hongkong Dollar1 Dollar Australia 10.218,20 9.723,11 10.083,73 1 Australian Dollar

31 Desember/December 31,

40. INFORMASI SEGMEN

40. SEGMENT INFORMATION

Bank melaporkan segmen-segmen sesuai kegiatan usaha berikut:

The Bank’s reportable segments based on the following business segments:

Segmen Operasi Operating Segments Segmen operasi Bank dibagi berdasarkan produk dan jasa sebagai berikut:

The Bank’s operating segment classified based on products and services, with details as follows:

Bisnis Produk dan jasa yang diberkan kepada nasabah dan debitur korporasi.

Business Products and services provided to corporate customers and debtors.

Konsumer Produk dan jasa yang diberikan kepada nasabah dan debitur perorangan.

Consumer Products and services provided to individual customers and debtors.

Treasuri Menyediakan layanan pasar uang, perdagangan, dan transaksi treasuri lainnya.

Treasury Providing money market, trading and treasury services.

Lainnya Merupakan transaksi yang tidak dapat dikelompokkan dalam kategori di atas.

Others Transactions that cannot be grouped in the above categories.

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PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Mata Uang Asing/ Ekuivalen dalam Rp/Foreign Currency Equivalent in Rp

Rp Juta/Rp Million

Liabilitas Liabilities

Bank BankLiabilitas segera USD 50.075 675 Liabilities payable immediately

Simpanan USD 143.102.699 1.927.951 DepositsSGD 679.093 6.324 EUR 186.867 2.649 AUD 175.991 1.711 JPY 4.961.137 571

Liabilitas akseptasi USD 6.626.552 89.276 Acceptance payable

Liabilitas lain-lain USD 233.369 3.146 Other liabilitiesLainnya/Others 21.271 13

Jumlah liabilitas 2.032.316 Total liabilities

Jumlah Liabilitas - Bersih (450.902) Total Liabilities - Net

Jumlah aset dan liabilitas moneter pada tanggal 31 Desember 2016 dengan menggunakan kurs 2 Maret 2017 masing-masing sebesar Rp 1.568.240 juta dan Rp 2.015.322 juta.

The total monetary assets and liabilities on December 31, 2016 using the exchange rate on March 2, 2017 amounted to Rp 1,568,240 million and Rp 2,015,322 million, respectively.

Kurs yang digunakan oleh Bank untuk menjabarkan aset dan liabilitas dalam mata uang asing adalah kurs Reuters jam 16.00 WIB dengan rincian sebagai berikut:

The foreign exchange rates used for assets and liabilities of the Bank denominated in foreign currencies were Reuters rates at 4:00 P.M. Western Indonesian Time as follows:

2 Maret/Valuta asing March 2, 2017 2016 2015 Foreign currencies

Rp Rp Rp

1 Dollar Amerika Serikat 13.358,00 13.472,50 13.785,00 1 United States Dollar1 Dollar Singapura 9.467,05 9.311,93 9.758,45 1 Singapore Dollar1 Yen Jepang 116,95 115,07 114,52 1 Japanese Yen1 Euro 14.081,34 14.175,77 15.056,67 1 Euro1 Dollar Hongkong 1.720,77 1.737,34 1.778,70 1 Hongkong Dollar1 Dollar Australia 10.218,20 9.723,11 10.083,73 1 Australian Dollar

31 Desember/December 31,

40. INFORMASI SEGMEN

40. SEGMENT INFORMATION

Bank melaporkan segmen-segmen sesuai kegiatan usaha berikut:

The Bank’s reportable segments based on the following business segments:

Segmen Operasi Operating Segments Segmen operasi Bank dibagi berdasarkan produk dan jasa sebagai berikut:

The Bank’s operating segment classified based on products and services, with details as follows:

Bisnis Produk dan jasa yang diberkan kepada nasabah dan debitur korporasi.

Business Products and services provided to corporate customers and debtors.

Konsumer Produk dan jasa yang diberikan kepada nasabah dan debitur perorangan.

Consumer Products and services provided to individual customers and debtors.

Treasuri Menyediakan layanan pasar uang, perdagangan, dan transaksi treasuri lainnya.

Treasury Providing money market, trading and treasury services.

Lainnya Merupakan transaksi yang tidak dapat dikelompokkan dalam kategori di atas.

Others Transactions that cannot be grouped in the above categories.

PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Berikut ini adalah informasi segmen berdasarkan segmen operasi:

The operating segment information is as follows:

Bisnis/ Konsumer/ Treasuri/ Lainnya/ Jumlah/Business Consumer Treasury Others TotalRp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/Rp Million Rp Million Rp Million Rp Million Rp Million

PENDAPATAN REVENUESPendapatan bunga 579.161 307.680 147.879 25.831 1.060.551 Interest revenuesPendapatan operasional lainnya 19.125 7.603 11.557 87.130 125.415 Other operating revenuesJumlah 598.286 315.283 159.436 112.961 1.185.966 Total

BEBAN EXPENSESBeban bunga (641.697) (21.083) (8.620) (22.297) (693.697) Interest expensesBeban operasional (19.672) (7.565) - (412.274) (439.511) Operating expensesJumlah (661.369) (28.648) (8.620) (434.571) (1.133.208) Total

Pendapatan (beban) non operasional - 2 - (39.625) (39.623) Non-operating revenues (expenses) Laba sebelum beban pajak (63.083) 286.637 150.816 (361.235) 13.135 Income before tax expenseLaba bersih tahun berjalan 9.349 Net income for the yearJumlah laba komprehensif 9.846 Total comprehensive income

INFORMASI LAINNYA OTHER INFORMATIONASET ASSETSPenempatan pada Bank Indonesia Placements w ith Bank Indonesia dan bank lain - - 248.454 1.736.069 1.984.523 and other banks Efek-efek - - 1.375.817 - 1.375.817 Securities Kredit - bersih 5.277.279 2.664.516 - - 7.941.795 Loans - netAset tetap - bersih - - - 54.151 54.151 Premises and equipment - netAset lainnya 36.537 13.553 4.842 1.646.331 1.701.263 Other assets Jumlah Aset 5.313.816 2.678.069 1.629.113 3.436.551 13.057.549 Total Assets

LIABILITAS LIABILITIESSimpanan 969.742 9.369.665 - - 10.339.407 DepositsSimpanan dari bank lain 392.316 - 115.000 - 507.316 Deposits from other banksLiabilitas lainnya 48.689 790 102.689 198.253 350.421 Other liabilitiesJumlah Liabilitas 1.410.747 9.370.455 217.689 198.253 11.197.144 Total Liabilities

2016

Bisnis/ Konsumer/ Treasuri/ Lainnya/ Jumlah/Business Consumer Treasury Others TotalRp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/Rp Million Rp Million Rp Million Rp Million Rp Million

PENDAPATAN REVENUESPendapatan bunga 601.524 210.542 117.383 21.072 950.521 Interest revenuesPendapatan operasional lainnya 14.028 6.784 2.386 48.956 72.154 Other operating revenuesJumlah 615.552 217.326 119.769 70.028 1.022.675 Total

BEBAN EXPENSESBeban bunga (610.894) (19.795) (15.144) (17.581) (663.414) Interest expensesBeban operasional - - - (348.314) (348.314) Operating expensesJumlah (610.894) (19.795) (15.144) (365.895) (1.011.728) Total

Pendapatan (beban) non operasional (140) 561 - (180) 241 Non-operating revenues (expenses) Laba sebelum beban pajak 4.518 198.092 104.625 (296.047) 11.188 Income before tax expenseLaba bersih tahun berjalan 8.178 Net income for the yearJumlah laba komprehensif 68.070 Total comprehensive income

INFORMASI LAINNYA OTHER INFORMATIONASET ASSETSPenempatan pada Bank Indonesia Placements w ith Bank Indonesia dan bank lain - - 19.949 1.315.305 1.335.254 and other banks Efek-efek - - 1.173.954 - 1.173.954 Securities Kredit - bersih 4.706.072 1.338.570 - 1.002.623 7.047.265 Loans - netAset tetap - bersih - - - 50.041 50.041 Premises and equipment - netAset lainnya - - 8.241 2.522.249 2.530.490 Other assets Jumlah Aset 4.706.072 1.338.570 1.202.144 4.890.218 12.137.004 Total Assets

LIABILITAS LIABILITIESSimpanan 1.059.198 8.707.329 - - 9.766.527 DepositsSimpanan dari bank lain 350.688 - 150.017 - 500.705 Deposits from other banksLiabilitas lainnya 72.452 24.151 - 64.965 161.568 Other liabilitiesJumlah Liabilitas 1.482.338 8.731.480 150.017 64.965 10.428.800 Total Liabilities

2015

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PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Informasi Wilayah Geografis Seluruh kegiatan operasional Bank berada di wilayah negara Indonesia.

Geographical Information The Bank conducts its operational activities in Indonesia.

41. JAMINAN PEMERINTAH TERHADAP

KEWAJIBAN PEMBAYARAN BANK UMUM

41. GOVERNMENT GUARANTEE ON OBLIGATIONS OF PRIVATE BANKS

Berdasarkan Salinan Peraturan Lembaga Penjamin Simpanan No. 1/PLPS/2005 pada tanggal 26 September 2005 tentang Program Penjaminan Simpanan yang menyatakan bahwa sejak tanggal 22 September 2005, Lembaga Penjamin Simpanan menjamin simpanan yang meliputi giro, deposito berjangka, sertifikat deposito, tabungan dan atau bentuk lain yang dipersamakan dengan itu yang merupakan simpanan yang berasal dari masyarakat termasuk yang berasal dari bank lain.

Based on “Lembaga Penjamin Simpanan” Regulation No. 1/PLPS/2005 dated September 26, 2005 regarding Deposit Guarantee Program, since September 22, 2005, the “Lembaga Penjamin Simpanan” will guarantee bank deposits including demand deposits, time deposits, certificate of deposits, savings deposit and other forms of deposits, including deposits from other banks.

Berdasarkan Peraturan Pemerintah Republik Indonesia No. 66 tahun 2008 tanggal 13 Oktober 2008, yang menyatakan bahwa sejak tanggal 13 Oktober 2008 besaran nilai simpanan yang dijamin Lembaga Penjamin Simpanan untuk setiap nasabah pada satu bank yang semula maksimal Rp 100 juta diubah menjadi maksimal Rp 2.000 juta.

In accordance with Government Regulation No. 66 year 2008 dated October 13, 2008, starting October 13, 2008 the “Lembaga Penjamin Simpanan” will guarantee deposits of each customer in a bank which was previously set at a maximum of Rp 100 million and was changed to a maximum of Rp 2,000 million.

Beban premi penjaminan Pemerintah yang dibayar pada tahun 2016 dan 2015 masing-masing sebesar Rp 20.026 juta dan 17.582 juta.

The Government guarantee premium paid in 2016 and 2015 amounted to Rp 20,026 million and Rp 17,582 million, respectively.

42. KLASIFIKASI DAN NILAI WAJAR ATAS ASET DAN LIABILITAS

42. CLASIFICATION AND FAIR VALUE OF ASSETS AND LIABILITIES

Selain daripada yang disebutkan dalam tabel dibawah ini, manajemen menilai bahwa nilai tercatat dari aset dan liabilitas keuangan adalah hampir sama dengan nilai wajarnya.

Except as detailed in the following table, the management considers that the carrying amount of financial assets and liabilities approximate their fair values.

Nilai tercatat/ Nilai tercatat/Catatan/ Carrying Nilai w ajar/ Carrying Nilai w ajar/

Notes amount Fair value amount Fair valueRp Juta/ Rp Juta/ Rp Juta/ Rp Juta/Rp Million Rp Million Rp Million Rp Million

Aset keuangan Financial assetsDimiliki hingga jatuh tempo Held-to-maturity

Efek-efek 9 476.251 374.693 476.251 367.980 Securities

Pinjaman yang diberikan dan piutang Loans and receivableKredit - Bersih 11 7.941.795 7.999.345 7.047.265 7.096.903 Loans - Net

Jumlah Aset Keuangan 8.418.046 8.374.038 7.523.516 7.464.883 Total Financial Assets

Liabilitas keuangan Financial liabilitiesBiaya perolehan diamortisasi Amortized cost

Simpanan 18 10.339.407 10.371.711 9.766.527 9.804.868 DepositsSimpanan dari bank lain 19 507.316 507.376 500.705 501.114 Deposits from other bank

Jumlah Liabilitas Keuangan 10.846.723 10.879.087 10.267.232 10.305.982 Total Financial Liabilities

Selisih (2.428.677) (2.505.049) (2.743.716) (2.841.099) Difference

2016 2015

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PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Informasi Wilayah Geografis Seluruh kegiatan operasional Bank berada di wilayah negara Indonesia.

Geographical Information The Bank conducts its operational activities in Indonesia.

41. JAMINAN PEMERINTAH TERHADAP

KEWAJIBAN PEMBAYARAN BANK UMUM

41. GOVERNMENT GUARANTEE ON OBLIGATIONS OF PRIVATE BANKS

Berdasarkan Salinan Peraturan Lembaga Penjamin Simpanan No. 1/PLPS/2005 pada tanggal 26 September 2005 tentang Program Penjaminan Simpanan yang menyatakan bahwa sejak tanggal 22 September 2005, Lembaga Penjamin Simpanan menjamin simpanan yang meliputi giro, deposito berjangka, sertifikat deposito, tabungan dan atau bentuk lain yang dipersamakan dengan itu yang merupakan simpanan yang berasal dari masyarakat termasuk yang berasal dari bank lain.

Based on “Lembaga Penjamin Simpanan” Regulation No. 1/PLPS/2005 dated September 26, 2005 regarding Deposit Guarantee Program, since September 22, 2005, the “Lembaga Penjamin Simpanan” will guarantee bank deposits including demand deposits, time deposits, certificate of deposits, savings deposit and other forms of deposits, including deposits from other banks.

Berdasarkan Peraturan Pemerintah Republik Indonesia No. 66 tahun 2008 tanggal 13 Oktober 2008, yang menyatakan bahwa sejak tanggal 13 Oktober 2008 besaran nilai simpanan yang dijamin Lembaga Penjamin Simpanan untuk setiap nasabah pada satu bank yang semula maksimal Rp 100 juta diubah menjadi maksimal Rp 2.000 juta.

In accordance with Government Regulation No. 66 year 2008 dated October 13, 2008, starting October 13, 2008 the “Lembaga Penjamin Simpanan” will guarantee deposits of each customer in a bank which was previously set at a maximum of Rp 100 million and was changed to a maximum of Rp 2,000 million.

Beban premi penjaminan Pemerintah yang dibayar pada tahun 2016 dan 2015 masing-masing sebesar Rp 20.026 juta dan 17.582 juta.

The Government guarantee premium paid in 2016 and 2015 amounted to Rp 20,026 million and Rp 17,582 million, respectively.

42. KLASIFIKASI DAN NILAI WAJAR ATAS ASET DAN LIABILITAS

42. CLASIFICATION AND FAIR VALUE OF ASSETS AND LIABILITIES

Selain daripada yang disebutkan dalam tabel dibawah ini, manajemen menilai bahwa nilai tercatat dari aset dan liabilitas keuangan adalah hampir sama dengan nilai wajarnya.

Except as detailed in the following table, the management considers that the carrying amount of financial assets and liabilities approximate their fair values.

Nilai tercatat/ Nilai tercatat/Catatan/ Carrying Nilai w ajar/ Carrying Nilai w ajar/

Notes amount Fair value amount Fair valueRp Juta/ Rp Juta/ Rp Juta/ Rp Juta/Rp Million Rp Million Rp Million Rp Million

Aset keuangan Financial assetsDimiliki hingga jatuh tempo Held-to-maturity

Efek-efek 9 476.251 374.693 476.251 367.980 Securities

Pinjaman yang diberikan dan piutang Loans and receivableKredit - Bersih 11 7.941.795 7.999.345 7.047.265 7.096.903 Loans - Net

Jumlah Aset Keuangan 8.418.046 8.374.038 7.523.516 7.464.883 Total Financial Assets

Liabilitas keuangan Financial liabilitiesBiaya perolehan diamortisasi Amortized cost

Simpanan 18 10.339.407 10.371.711 9.766.527 9.804.868 DepositsSimpanan dari bank lain 19 507.316 507.376 500.705 501.114 Deposits from other bank

Jumlah Liabilitas Keuangan 10.846.723 10.879.087 10.267.232 10.305.982 Total Financial Liabilities

Selisih (2.428.677) (2.505.049) (2.743.716) (2.841.099) Difference

2016 2015

PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Teknik penilaian dan asumsi yang diterapkan untuk tujuan pengukuran nilai wajar

Valuation techniques and assumptions applied for the purposes of measuring fair value

Nilai wajar aset keuangan dan non keuangan dan liabilitas keuangan ditentukan sebagai berikut:

The fair value of financial assets and non financial asset and financial liabilities are determined as follows:

Manajemen menganggap bahwa nilai tercatat kas, giro pada Bank Indonesia, giro pada bank lain, penempatan pada Bank Indonesia dan bank lain, pendapatan yang masih akan diterima, simpanan, simpanan dari bank lain, bunga yang masih harus dibayar, setoran jaminan dan liabilitas keuangan lainnya dengan suku bunga tetap yang diakui dalam laporan keuangan mendekati nilai wajarnya karena jatuh tempo dalam jangka pendek atau yang memiliki tingkat suku bunga pasar.

Management considers that the carrying amount of cash, demand deposits with Bank Indonesia, demand deposits with other banks, placements with Bank Indonesia and other banks, accrued interest receivable, deposits, deposits from other banks, accrued interest, margin deposits and other financial instruments with floating interest recognized in the financial statements approximate their fair values either because of their short-term maturities or they carry market rates of interest.

Nilai wajar efek-efek dengan syarat dan kondisi standar dan diperdagangkan di pasar aktif ditentukan dengan mengacu pada kuotasi harga pasar.

Fair value of securities with standard terms and conditions and traded on active markets are determined with reference to quoted market prices.

Nilai wajar tagihan dan liabilitas derivatif diukur dengan menggunakan kurs kuotasi dan kurva yield yang berasal dari suku bunga kuotasi mencocokkan jatuh tempo kontrak.

Fair value of derivative receivables and payables are measured using quoted forward exchange rates and yield curves derived from quoted interest rates matching maturities of the contracts.

Nilai wajar aset keuangan dan liabilitas

keuangan lainnya (tidak termasuk yang dijelaskan di atas) ditentukan sesuai dengan model penentuan harga yang berlaku umum berdasarkan analisis discounted cash flow menggunakan harga dari transaksi pasar yang dapat diamati saat ini dan kutipan dealer untuk instrumen sejenis.

Fair value of other financial assets and financial liabilities (excluding those described above) are determined in accordance with generally accepted pricing models on discounted cash flow analysis using prices from observable current market transactions and dealer quotes for similar instruments.

Nilai wajar tanah dan bangunan ditentukan antara lain dengan menggunakan pendekatan pasar yang mempertimbangkan harga yang baru terjadi di pasar dari transaksi aset yang identik atau sebanding, pendekatan pendapatan yang mempertimbangkan pendapatan yang akan dihasilkan aset selama masa manfaatnya dan menghitung nilai melalui proses konversi pendapatan menjadi sejumlah modal dengan menggunakan tingkat diskonto yang sesuai, serta pendekatan biaya yang berdasarkan prinsip harga yang akan dibayarkan pembeli di pasar untuk aset yang akan dinilai tidak lebih dari biaya untuk membeli atau membangun aset yang setara, kecuali ada faktor waktu yang tidak wajar, ketidaknyamanan, risiko atau faktor lainnya.

Fair value of the land and building was determined based on market approach that considers current market value from identical or comparable assets transaction, income approach that considers the value of income generated by the assets during its useful life and calculating the value through conversion process from revenue into equity through appropriate discount rate and cost approach that is based on cost principal that will be paid by the buyer in the market for the assets that valued less than its cost to buy or build the comparable assets, except for unfair timing factor, inconvenience, risk or other factors.

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PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Tabel berikut ini memberikan kondisi dari nilai wajar dari aset dan liabilitas yang dikelompokkan ke Tingkat 1 sampai 3 didasarkan pada sejauh mana nilai wajar diamati.

The following tables provide an analysis of fair value of assets and liabilities, grouped into Levels 1 to 3 based on the degree to which the fair value is observable.

Tingkat 1/ Tingkat 2/ Tingkat 3/ Jumlah/Level 1 Level 2 Level 3 TotalRp Juta/ Rp Juta/ Rp Juta/ Rp Juta/

Rp Mill ion Rp Mill ion Rp Mill ion Rp Mill ionAset diukur pada nilai wajar Assets measured at fair value

Aset keuangan Financial assets

Tersedia untuk dijual Available-for-sale

Efek-efek 867.645 - - 867.645 Securities

Diperdagangkan Trading

Efek-efek 31.921 - - 31.921 Securities

Tagihan derivatif - 4.842 - 4.842 Derivative receivables

Sub jumlah 31.921 4.842 - 36.763 Sub total

Aset yang nilai wajarnya diungkapkan Assets for which fair values are disclosed

Aset keuangan Financial assets

Dimiliki hingga jatuh tempo Held-to-maturity

Efek-efek 374.693 - - 374.693 Securities

Pinjaman yang diberikan dan piutang Loans and receivable

Kredit - Bersih - - 7.999.345 7.999.345 Loans - Net

Jumlah Aset 1.274.259 4.842 7.999.345 9.278.446 Total Assets

Liabilitas diukur pada nilai wajar Liabilities measured at fair value

Liabilitas keuangan Financial l iabilities

Diperdagangkan TradingLiabilitas derivatif - 3.576 - 3.576 Derivative payables

Liabilitas yang nilai wajarnya diungkapkan Liabilities for which fair value are disclosedLiabilitas keuangan Financial l iabilities

Biaya perolehan diamortisasi Amortized costSimpanan - - 10.371.711 10.371.711 DepositsSimpanan dari bank lain - - 507.376 507.376 Deposits from other banks

Jumlah Liabilitas - 3.576 10.879.087 10.882.663 Total Liabilities

Selisih 1.274.259 1.266 (2.879.742) (1.604.217) Difference

2016

Tingkat 1/ Tingkat 2/ Tingkat 3/ Jumlah/Level 1 Level 2 Level 3 TotalRp Juta/ Rp Juta/ Rp Juta/ Rp Juta/

Rp Mill ion Rp Mill ion Rp Mill ion Rp Mill ionAset diukur pada nilai wajar Assets measured at fair value

Aset keuangan Financial assets

Tersedia untuk dijual Available-for-sale

Efek-efek 482.392 - - 482.392 Securities

Diperdagangkan Trading

Efek-efek 215.311 - - 215.311 Securities

Tagihan derivatif - 8.241 - 8.241 Derivative receivables

Sub jumlah 215.311 8.241 - 223.552 Sub total

Aset yang nilai wajarnya diungkapkan Assets for which fair values are disclosed

Aset keuangan Financial assetsDimiliki hingga jatuh tempo Held-to-maturity

Efek-efek 367.980 - - 367.980 Securities

Pinjaman yang diberikan dan piutang Loans and receivable

Kredit - Bersih - - 7.096.903 7.096.903 Loans - Net

2015

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PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 83 -

Tabel berikut ini memberikan kondisi dari nilai wajar dari aset dan liabilitas yang dikelompokkan ke Tingkat 1 sampai 3 didasarkan pada sejauh mana nilai wajar diamati.

The following tables provide an analysis of fair value of assets and liabilities, grouped into Levels 1 to 3 based on the degree to which the fair value is observable.

Tingkat 1/ Tingkat 2/ Tingkat 3/ Jumlah/Level 1 Level 2 Level 3 TotalRp Juta/ Rp Juta/ Rp Juta/ Rp Juta/

Rp Mill ion Rp Mill ion Rp Mill ion Rp Mill ionAset diukur pada nilai wajar Assets measured at fair value

Aset keuangan Financial assets

Tersedia untuk dijual Available-for-sale

Efek-efek 867.645 - - 867.645 Securities

Diperdagangkan Trading

Efek-efek 31.921 - - 31.921 Securities

Tagihan derivatif - 4.842 - 4.842 Derivative receivables

Sub jumlah 31.921 4.842 - 36.763 Sub total

Aset yang nilai wajarnya diungkapkan Assets for which fair values are disclosed

Aset keuangan Financial assets

Dimiliki hingga jatuh tempo Held-to-maturity

Efek-efek 374.693 - - 374.693 Securities

Pinjaman yang diberikan dan piutang Loans and receivable

Kredit - Bersih - - 7.999.345 7.999.345 Loans - Net

Jumlah Aset 1.274.259 4.842 7.999.345 9.278.446 Total Assets

Liabilitas diukur pada nilai wajar Liabilities measured at fair value

Liabilitas keuangan Financial l iabilities

Diperdagangkan TradingLiabilitas derivatif - 3.576 - 3.576 Derivative payables

Liabilitas yang nilai wajarnya diungkapkan Liabilities for which fair value are disclosedLiabilitas keuangan Financial l iabilities

Biaya perolehan diamortisasi Amortized costSimpanan - - 10.371.711 10.371.711 DepositsSimpanan dari bank lain - - 507.376 507.376 Deposits from other banks

Jumlah Liabilitas - 3.576 10.879.087 10.882.663 Total Liabilities

Selisih 1.274.259 1.266 (2.879.742) (1.604.217) Difference

2016

Tingkat 1/ Tingkat 2/ Tingkat 3/ Jumlah/Level 1 Level 2 Level 3 TotalRp Juta/ Rp Juta/ Rp Juta/ Rp Juta/

Rp Mill ion Rp Mill ion Rp Mill ion Rp Mill ionAset diukur pada nilai wajar Assets measured at fair value

Aset keuangan Financial assets

Tersedia untuk dijual Available-for-sale

Efek-efek 482.392 - - 482.392 Securities

Diperdagangkan Trading

Efek-efek 215.311 - - 215.311 Securities

Tagihan derivatif - 8.241 - 8.241 Derivative receivables

Sub jumlah 215.311 8.241 - 223.552 Sub total

Aset yang nilai wajarnya diungkapkan Assets for which fair values are disclosed

Aset keuangan Financial assetsDimiliki hingga jatuh tempo Held-to-maturity

Efek-efek 367.980 - - 367.980 Securities

Pinjaman yang diberikan dan piutang Loans and receivable

Kredit - Bersih - - 7.096.903 7.096.903 Loans - Net

2015

PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 84 -

Tingkat 1/ Tingkat 2/ Tingkat 3/ Jumlah/Level 1 Level 2 Level 3 TotalRp Juta/ Rp Juta/ Rp Juta/ Rp Juta/

Rp Mill ion Rp Mill ion Rp Mill ion Rp Mill ion

Aset non keuangan Non-financial assets

Aset tetap - tanah dan bangunan - 26.565 - 26.565 Premises and equipment - land and building

Jumlah Aset 1.065.683 34.806 7.096.903 8.197.392 Total Assets

Liabilitas diukur pada nilai wajar Liabilities measured at fair valueLiabilitas keuangan Financial l iabilities

Diperdagangkan TradingLiabilitas derivatif - 3.714 - 3.714 Derivative payables

Liabilitas yang nilai wajarnya diungkapkan Liabilities for which fair value are disclosedLiabilitas keuangan Financial l iabilities

Biaya perolehan diamortisasi Amortized costSimpanan - - 9.804.868 9.804.868 DepositsSimpanan dari bank lain - - 501.114 501.114 Deposits from other banks

Jumlah Liabilitas - 3.714 10.305.982 10.309.696 Total Liabilities

Selisih 1.065.683 31.092 (3.209.079) (2.112.304) Difference

2015

Pada tahun 2016 dan 2015, tidak terdapat perpindahan metode pengukuran nilai wajar dari tingkat 1 menjadi tingkat 2, dan sebaliknya.

In 2016 and 2015, there is no movement in fair value measurement method from level 1 to level 2, and vice versa.

43. INFORMASI LAINNYA

a. Rasio Kewajiban Penyediaan Modal Minimum

43. OTHER INFORMATION

a. Capital Adequacy Ratio

Kewajiban Penyediaan Modal Minimum pada tanggal 31 Desember 2016 dihitung berdasarkan Peraturan Otoritas Jasa Keuangan (POJK) No. 11/POJK.03/2016 tanggal 26 Januari 2016 dan perubahannya POJK No. 34/OJK.03/2016 tanggal 22 September 2016, tentang Kewajiban Penyediaan Modal Minimum Bank Umum dimana bank wajib membentuk tambahan modal minimum sesuai profil risiko yang berfungsi sebagai penyangga (buffer) yaitu Capital Conservation Buffer, Countercyclical Buffer dan Capital Surcharge untuk Domestic Systematically Important Bank

Capital Adequacy Ratio (CAR) on December 31, 2016 is calculated based on Financial Services Authority Regulation (POJK) No. 11/POJK.03/2016 dated January 26, 2016 and its amendment No. 34/POJK.03/2016 dated September 22, 2016 regarding Capital Adequacy Ratio of General Banks whereas banks should establish additional minimum capital based on risk profile which serves as a buffer, namely, Capital Conservation Buffer, Countercyclical Buffer and Capital Surcharge for Domestic Systemically Important Bank.

Kewajiban Penyediaan Modal Minimum pada tanggal 31 Desember 2015 dihitung berdasarkan Peraturan Otoritas Jasa Keuangan (POJK) No. 11/POJK.03/2016 tanggal 26 Januari 2016 tentang Kewajiban Penyediaan Modal Minimum Bank Umum dimana bank perlu membentuk tambahan modal minimum sesuai profil risiko yang berfungsi sebagai penyangga (buffer) yaitu Capital Conservation Buffer, Countercyclical Buffer dan Capital Surcharge untuk Domestic Systemically Important Bank. Penetapan Systemically Important Bank dan Capital Surcharge juga diatur oleh Peraturan Otoritas Jasa Keuangan No. 46/POJK.03/2015 tanggal 28 Desember 2015.

Capital Adequacy Ratio (CAR) on December 31, 2015 is calculated based on Financial Services Authority Regulation (POJK) No. 11/POJK.03/2016 dated January 26, 2016 regarding Capital Adequacy Ratio of Commercial Banks whereas banks should establish additional minimum capital based on risk profile which serves as a buffer, namely, Capital Conservation Buffer, Countercyclical Buffer and Capital Surcharge for Domestic Systemically Important Bank. The establishment of Systemically Important Bank and Capital Surcharge also regulates by Financial Services Authority Regulation (POJK) No. 46/POJK.03/2015 dated December 28, 2015.

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PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 85 -

Berdasarkan profil risiko Bank pada tanggal 31 Desember 2016 dan 2015, yaitu peringkat 3 (tiga), maka KPMM minimum per 31 Desember 2016 dan 2015 ditetapkan masing-masing sebesar 10% sampai dengan kurang dari 11%.

Based on the Bank’s risk profile, which is level 3 (three), as of December 31, 2016 and 2015, the minimum CAR as of December 31, 2016 and 2015 is set to 10% to less than 11%.

Rasio kewajiban penyediaan modal Bank dengan memperhatikan risiko kredit, risiko operasional dan risiko pasar pada tanggal 31 Desember 2016 dan 2015 masing-masing dihitung sebagai berikut:

The Bank’s capital adequacy ratio with consideration for credit, operational and market risks as of December 31, 2016 and 2015, are as follows:

2016 2015Rp Juta/ Rp Juta/Rp Million Rp Million

Modal CapitalModal Inti (Tier 1) 1.598.917 1.402.881 Core Capital (Tier 1)Modal Pelengkap (Tier 2) 82.469 92.631 Supplementary Capital (Tier 2)

Jumlah Modal 1.681.386 1.495.512 Total Capital

Aset Tertimbang Menurut Risiko: Risk Weighted Assets:untuk risiko kredit *) 7.847.156 7.410.502 for credit riskuntuk risiko operasional **) 667.322 685.745 for operational riskuntuk risiko pasar ***) 90.494 291.290 for market risk

Jumlah ATMR 8.604.972 8.387.537 Total risk w eighted assets

Rasio Kew ajiban Penyediaan Modal Minimum dengan memperhitungkan: Capital Adequacy Ratio for:Rasio CET 1 18,58% 16,73% Ratio CET 1Rasio Tier 1 18,58% 16,73% Ratio Tier 1Rasio Tier 2 0,96% 1,10% Ratio Tier 2Rasio Total 19,54% 17,83% Total Ratio

Rasio Minimum Tier 1 6,00% 6,00% Minimum Ratio Tier 1Rasio Minimum CET 1 4,50% 4,50% Minimum Ratio CET 1KPMM minimum berdasarkan profil risiko 10,00%-11,00% 10,00%-11,00% Minimum Car based on risk profileCET 1 untuk Buffer 9,54% - Minimum Car based on risk profile

Persentase buffer yang w ajib dipenuhi The percentage of the buffer that must oleh Bank be fulf illed by the Bank :Capital Conservation Buffer 0,00% - Capital Conservation BufferCountercyclical Buffer 0,00% - Countercyclical BufferCapital Surcharge untuk Domestic Capital Surcharge for Domestic

Systemically Important Bank 0,00% - Systemically Important Bank

Pada tanggal 31 Desember 2016 dan 2015, Bank telah memenuhi rasio sesuai yang disyaratkan oleh Bank Indonesia untuk rasio kecukupan modal.

On December 31 2016 and 2015, the Bank has complied with the required ratio set by Bank Indonesia for capital adequacy ratio.

*) Rasio ATMR untuk risiko kredit dihitung berdasarkan Surat Edaran Otoritas Jasa Keuangan No.42/SEOJK.03/2016 tanggal 29 September 2016.

*) Risk weighted assets ratio for credit risk is calculated based on Surat Edaran Otoritas Jasa Keuangan No. 42/SEOJK.03/2016 dated September 29, 2016.

**) Rasio ATMR untuk risiko pasar dihitung

berdasarkan Surat Edaran Otoritas Jasa Keuangan No.38/SEOJK.03/2016 tanggal 8 September 2016.

**) Risk weighted assets ratio for market risk is calculated based on Surat Edaran Otoritas Jasa Keuangan No. 38/SEOJK.03/2016 dated September 8, 2016.

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PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 85 -

Berdasarkan profil risiko Bank pada tanggal 31 Desember 2016 dan 2015, yaitu peringkat 3 (tiga), maka KPMM minimum per 31 Desember 2016 dan 2015 ditetapkan masing-masing sebesar 10% sampai dengan kurang dari 11%.

Based on the Bank’s risk profile, which is level 3 (three), as of December 31, 2016 and 2015, the minimum CAR as of December 31, 2016 and 2015 is set to 10% to less than 11%.

Rasio kewajiban penyediaan modal Bank dengan memperhatikan risiko kredit, risiko operasional dan risiko pasar pada tanggal 31 Desember 2016 dan 2015 masing-masing dihitung sebagai berikut:

The Bank’s capital adequacy ratio with consideration for credit, operational and market risks as of December 31, 2016 and 2015, are as follows:

2016 2015Rp Juta/ Rp Juta/Rp Million Rp Million

Modal CapitalModal Inti (Tier 1) 1.598.917 1.402.881 Core Capital (Tier 1)Modal Pelengkap (Tier 2) 82.469 92.631 Supplementary Capital (Tier 2)

Jumlah Modal 1.681.386 1.495.512 Total Capital

Aset Tertimbang Menurut Risiko: Risk Weighted Assets:untuk risiko kredit *) 7.847.156 7.410.502 for credit riskuntuk risiko operasional **) 667.322 685.745 for operational riskuntuk risiko pasar ***) 90.494 291.290 for market risk

Jumlah ATMR 8.604.972 8.387.537 Total risk w eighted assets

Rasio Kew ajiban Penyediaan Modal Minimum dengan memperhitungkan: Capital Adequacy Ratio for:Rasio CET 1 18,58% 16,73% Ratio CET 1Rasio Tier 1 18,58% 16,73% Ratio Tier 1Rasio Tier 2 0,96% 1,10% Ratio Tier 2Rasio Total 19,54% 17,83% Total Ratio

Rasio Minimum Tier 1 6,00% 6,00% Minimum Ratio Tier 1Rasio Minimum CET 1 4,50% 4,50% Minimum Ratio CET 1KPMM minimum berdasarkan profil risiko 10,00%-11,00% 10,00%-11,00% Minimum Car based on risk profileCET 1 untuk Buffer 9,54% - Minimum Car based on risk profile

Persentase buffer yang w ajib dipenuhi The percentage of the buffer that must oleh Bank be fulf illed by the Bank :Capital Conservation Buffer 0,00% - Capital Conservation BufferCountercyclical Buffer 0,00% - Countercyclical BufferCapital Surcharge untuk Domestic Capital Surcharge for Domestic

Systemically Important Bank 0,00% - Systemically Important Bank

Pada tanggal 31 Desember 2016 dan 2015, Bank telah memenuhi rasio sesuai yang disyaratkan oleh Bank Indonesia untuk rasio kecukupan modal.

On December 31 2016 and 2015, the Bank has complied with the required ratio set by Bank Indonesia for capital adequacy ratio.

*) Rasio ATMR untuk risiko kredit dihitung berdasarkan Surat Edaran Otoritas Jasa Keuangan No.42/SEOJK.03/2016 tanggal 29 September 2016.

*) Risk weighted assets ratio for credit risk is calculated based on Surat Edaran Otoritas Jasa Keuangan No. 42/SEOJK.03/2016 dated September 29, 2016.

**) Rasio ATMR untuk risiko pasar dihitung

berdasarkan Surat Edaran Otoritas Jasa Keuangan No.38/SEOJK.03/2016 tanggal 8 September 2016.

**) Risk weighted assets ratio for market risk is calculated based on Surat Edaran Otoritas Jasa Keuangan No. 38/SEOJK.03/2016 dated September 8, 2016.

PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 86 -

***) Rasio ATMR untuk risiko operasional dihitung berdasarkan Surat Edaran Otoritas Jasa Keuangan No.24/SEOJK.03/2016 tanggal 14 Juli 2016.

***) Risk weighted assets ratio for operational risk is calculated based on Surat Edaran Otoritas Jasa Keuangan No.24/SEOJK.03/2016 dated July 14, 2016.

b. Rasio aset produktif yang diklasifikasikan

terhadap total aset produktif pada tanggal 31 Desember 2016 dan 2015 masing-masing sebesar 1,77% dan 2,18%.

b. The ratio of classified earning assets to total earning assets as of December 31, 2016 and 2015 are 1.77% and 2.18%, respectively.

c. Berikut ini adalah saldo penyediaan dana kepada pihak berelasi per tanggal 31 Desember 2016 dan 2015 sesuai dengan ketentuan Bank Indonesia, tentang Batas Maksimum Pemberian Kredit (BMPK):

c. The following are the balances of amounts with affiliates as of December 31, 2016 and 2015 in accordance with the Legal Lending Limit (LLL) regulation of Bank Indonesia:

2016 2015Rp Juta/ Rp Juta/Rp Million Rp Million

Kredit 102.129 57.349 LoansRekening administratif 15.393 7.951 Administrative accounts

Jumlah 117.522 65.300 Total

Batas maksimum pemberian kredit kepada pihak berelasi per tanggal 31 Desember 2016 dan 2015 masing-masing sebesar Rp 168.139 juta dan Rp 149.551 juta (10% dari modal Bank).

Maximum legal lending limit to affiliates as of December 31, 2016 and 2015 amounted to Rp 168,139 million and Rp 149,551 million (10% of the Bank’s capital), respectively.

44. MANAJEMEN RISIKO

44. RISK MANAGEMENT

Kerangka Manajemen Risiko

Risk Management Framework

Penerapan manajemen risiko di Bank berpedoman pada peraturan Bank Indonesia tentang Penerapan Manajemen Risiko bagi Bank Umum berikut perubahannya serta dokumen-dokumen dari Basel Committee on Banking Supervision, terutama konsep Basel Accord II.

The implementation of risk management of the Bank is guided by Bank Indonesia regulation on the Application of Risk Management for Commercial Banks and the changes as well as documents from the Basel Committee on Banking Supervision, particularly the concept of Basel Accord II.

Pengelolaan risiko di Bank mencakup seluruh jenis risiko dari semua aktivitas fungsional Bank berdasarkan kebutuhan akan keseimbangan antara pertumbuhan usaha dengan pengelolaan risikonya.

Risk management within the Bank covers all types of risks in all functional activities of the Bank, based on demand to stabilize between the growth of the Bank’s business and risk management.

Untuk mengakomodasi tren perbankan dan pertumbuhan bisnis, Bank secara terus menerus melakukan evaluasi secara berkala dan mengembangkan serta meningkatkan kerangka sistem pengelolaan risiko perusahaan terpadu dan struktur pengendalian internal yang komprehensif, agar dapat memberikan informasi secara dini mengenai terdapatnya potensi risiko kepada manajemen, sehingga manajemen dapat mengambil langkah-langkah yang memadai untuk meminimalisasi dampak risiko tersebut. Kerangka manajemen risiko perusahaan terpadu tersebut dituangkan dalam kebijakan, prosedur, batas-batas transaksi, kewenangan dan ketentuan lain serta berbagai perangkat manajemen risiko, yang berlaku di seluruh lingkup aktivitas fungsional.

To accomodate the growing trend of banking and business growth, the Bank continually evaluates on a regular basis, develops and also improves the framework of integrated enterprise risk management system and a comprehensive internal control structure, in order to give management a precaution of potential risk and to take an appropriate solution to minimize the impact of the risk. The integrated enterprise risk management framework stated in the policies, procedures, transaction limits, authority and other provisions, and risk management tools, apply within the functional activities.

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PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 87 -

Selain itu Bank juga menerapkan kerangka manajemen risiko perusahaan terpadu yang merupakan sarana untuk menentukan strategi, organisasi, kebijakan dan pedoman untuk memastikan bahwa semua risiko yang dihadapi Bank dapat dikenali, diukur, diatasi dan dilaporkan dengan baik.

Furthermore, the Bank uses the integrated enterprise risk management framework as a tool to determine strategy, organization, policies and guidelines to ensure that all risks faced by the Bank can be identified, measured, mitigated and reported properly.

Bank memiliki Komite Manajemen Risiko di level Direksi dan Komite Pemantau Risiko di level Dewan Komisaris untuk menentukan kebijakan dan membahas permasalahan risiko yang dihadapi Bank secara keseluruhan.

The Bank has a Risk Management Committee under the Board of Directors and Risk Oversight Committee under the Board of Commissioners to determine the overall policies and discuss the risk faced by the Bank.

Selain komite-komite tersebut, terdapat komite-komite lain yang bertugas untuk menangani risiko-risiko secara lebih spesifik, antara lain: Komite Pemutus Kredit dan Komite Manajemen Aset dan Kewajiban (ALCO).

In addition to those committees, there are several other committees responsible for handling the risks that are more specific, among others: the Credit Committee and Asset and Liability Management Committee (ALCO).

Terkait dengan produk atau aktivitas bisnis baru, penilaian risiko dilakukan untuk memastikan bahwa semua risiko telah diidentifikasi, dinilai dan dimitigasi secara tepat.

In relation to new product or business activity, risk assessment is conducted to ensure that all risks have been identified, assessed and mitigated appropriately.

Secara berkala, Bank membuat profil risiko yang mencerminkan tingkat risiko yang dimiliki Bank berdasarkan 8 (delapan) jenis risiko yang ditetapkan Otoritas Jasa Keuangan.

On a regular basis, the Bank prepares a risk profile that reflects the Bank’s 8 (eight) types of risks set by Financial Services Authority.

Manajemen Risiko Kredit

Credit Risk Management

Risiko kredit diartikan sebagai risiko kerugian akibat kegagalan debitur atau pihak lain dalam memenuhi kewajibannya pada saat jatuh tempo. Risiko kredit dikelola baik pada tingkat transaksi maupun portofolio. Pengelolaan risiko kredit dirancang untuk menjaga independensi dan integritas proses penilaian risiko, serta diversifikasi risiko kredit.

Credit risk is defined as the risk of suffering losses due to failure of debtors or other parties to fulfill their obligations at the maturity date. This risk is managed both at the transaction and portfolio levels. Credit risk management are designed to preserve the independence and integrity of the risk assessment process, and also to avoid risk concentration.

Kebijakan manajemen dalam pemberian kredit didasarkan pada prinsip kehati-hatian, yang meliputi:

The Bank’s lending policy is governed by prudent principles, consisting of:

a. Menghindari pemberian kredit pada debitur yang mengandung risiko tinggi, tujuan usaha yang bersifat spekulatif atau usaha dimana Bank tidak memiliki pengalaman atau keahlian signifikan dalam menilai dan menghindari pemberian kredit pada debitur yang bermasalah, tidak terbatas pada debitur yang namanya tercantum dalam daftar hitam Otoritas Jasa Keuangan.

a. Avoid granting of loans to debtors who are assessed as high risk, speculative, or businesses which the Bank is not familiar with or does not have significant knowledge, and avoid granting of loans to troubled debtors, in addition to those registered in Financial Services Authority’s black list.

b. Menghindari konsentrasi pemberian kredit hanya di satu sektor ekonomi.

c. Melakukan pemantauan dan pemeriksaan yang

ketat, berkala dan terus menerus pada kredit yang telah disalurkan.

b. Avoid concentration of loans to specific economic sectors.

c. Thoroughly, regularly and continuously review and evaluate loans granted.

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PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 87 -

Selain itu Bank juga menerapkan kerangka manajemen risiko perusahaan terpadu yang merupakan sarana untuk menentukan strategi, organisasi, kebijakan dan pedoman untuk memastikan bahwa semua risiko yang dihadapi Bank dapat dikenali, diukur, diatasi dan dilaporkan dengan baik.

Furthermore, the Bank uses the integrated enterprise risk management framework as a tool to determine strategy, organization, policies and guidelines to ensure that all risks faced by the Bank can be identified, measured, mitigated and reported properly.

Bank memiliki Komite Manajemen Risiko di level Direksi dan Komite Pemantau Risiko di level Dewan Komisaris untuk menentukan kebijakan dan membahas permasalahan risiko yang dihadapi Bank secara keseluruhan.

The Bank has a Risk Management Committee under the Board of Directors and Risk Oversight Committee under the Board of Commissioners to determine the overall policies and discuss the risk faced by the Bank.

Selain komite-komite tersebut, terdapat komite-komite lain yang bertugas untuk menangani risiko-risiko secara lebih spesifik, antara lain: Komite Pemutus Kredit dan Komite Manajemen Aset dan Kewajiban (ALCO).

In addition to those committees, there are several other committees responsible for handling the risks that are more specific, among others: the Credit Committee and Asset and Liability Management Committee (ALCO).

Terkait dengan produk atau aktivitas bisnis baru, penilaian risiko dilakukan untuk memastikan bahwa semua risiko telah diidentifikasi, dinilai dan dimitigasi secara tepat.

In relation to new product or business activity, risk assessment is conducted to ensure that all risks have been identified, assessed and mitigated appropriately.

Secara berkala, Bank membuat profil risiko yang mencerminkan tingkat risiko yang dimiliki Bank berdasarkan 8 (delapan) jenis risiko yang ditetapkan Otoritas Jasa Keuangan.

On a regular basis, the Bank prepares a risk profile that reflects the Bank’s 8 (eight) types of risks set by Financial Services Authority.

Manajemen Risiko Kredit

Credit Risk Management

Risiko kredit diartikan sebagai risiko kerugian akibat kegagalan debitur atau pihak lain dalam memenuhi kewajibannya pada saat jatuh tempo. Risiko kredit dikelola baik pada tingkat transaksi maupun portofolio. Pengelolaan risiko kredit dirancang untuk menjaga independensi dan integritas proses penilaian risiko, serta diversifikasi risiko kredit.

Credit risk is defined as the risk of suffering losses due to failure of debtors or other parties to fulfill their obligations at the maturity date. This risk is managed both at the transaction and portfolio levels. Credit risk management are designed to preserve the independence and integrity of the risk assessment process, and also to avoid risk concentration.

Kebijakan manajemen dalam pemberian kredit didasarkan pada prinsip kehati-hatian, yang meliputi:

The Bank’s lending policy is governed by prudent principles, consisting of:

a. Menghindari pemberian kredit pada debitur yang mengandung risiko tinggi, tujuan usaha yang bersifat spekulatif atau usaha dimana Bank tidak memiliki pengalaman atau keahlian signifikan dalam menilai dan menghindari pemberian kredit pada debitur yang bermasalah, tidak terbatas pada debitur yang namanya tercantum dalam daftar hitam Otoritas Jasa Keuangan.

a. Avoid granting of loans to debtors who are assessed as high risk, speculative, or businesses which the Bank is not familiar with or does not have significant knowledge, and avoid granting of loans to troubled debtors, in addition to those registered in Financial Services Authority’s black list.

b. Menghindari konsentrasi pemberian kredit hanya di satu sektor ekonomi.

c. Melakukan pemantauan dan pemeriksaan yang

ketat, berkala dan terus menerus pada kredit yang telah disalurkan.

b. Avoid concentration of loans to specific economic sectors.

c. Thoroughly, regularly and continuously review and evaluate loans granted.

PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Bank telah mengimplementasikan manajemen risiko kredit yang mencakup penetapan prosedur dan kebijakan kredit, pengaturan limit dan mengevaluasinya secara berkala untuk memastikan bahwa seluruh risiko yang mungkin timbul dari kegiatan pemberian kredit telah tercakup, serta menerapkan prinsip “Four Eyes Principle” secara konsisten. Bank telah melaksanakan pengelolaan portofolio kredit secara konsisten dan berkelanjutan serta melaporkannya kepada manajemen senior dan Dewan Komisaris secara berkala.

The Bank has implemented credit risk management which covers setting up procedures and credit policies, determining limit and conducting regular evaluation to ensure that all potential risks have been covered, and apply the “Four Eyes Principle” consistently. The Bank has managed its credit portfolio continuously in a consistent basis and reports to the senior management and Board of Commissioners regularly.

Agunan

Collateral

Bank menerapkan kebijakan untuk memitigasi risiko kredit, antara lain dengan meminta agunan sebagai jaminan pelunasan kredit jika jaminan berupa sumber pembayaran utama debitur berdasarkan arus kas tidak terpenuhi. Jenis agunan yang dapat diterima dalam rangka memitigasi risiko meliputi kas, tanah dan/atau bangunan, mesin, kendaraan bermotor, piutang dagang, persediaan, dan kapal.

The Bank applies policies to mitigate credit risk, by taking collateral to secure the repayment of loan if the primary source of debtor’s payment is no longer available. Collateral types that can be used to mitigate the risk include cash, land and/or buildings, machineries, vehicles, accounts receivable, inventories, and vessels.

Untuk meminimalisir kerugian kredit, Bank akan meminta tambahan agunan dari debitur ketika terdapat penurunan nilai atas agunan untuk pinjaman yang terkait. Perkiraan nilai wajar dari agunan yang digunakan oleh Bank didasarkan pada nilai agunan yang dinilai oleh penilai internal maupun eksternal.

In order to minimize the credit loss, the Bank will require additional collaterals from the debtor when lower value in the collaterals are identified for the related loans. The fair value of collateral is assessed based on internal and/or external appraisals.

Kredit pemilikan

Korporasi/ Ritel/ Mikro/ rumah/ Lainny a/ Jumlah/Corporate Retail Micro Mortgage Others TotalRp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million

Eksposur kredit 5.065.073 229.017 33.460 1.122.587 1.544.179 7.994.316 Credit exposureNilai agunan *) 12.128.634 621.617 107.386 2.474.848 2.301.561 17.634.046 Collateral v alue *)Jumlah eksposur kredit Total unsecured credit

tanpa agunan - - - - 515.555 515.555 exposure

Porsi eksposur kredit Unsecured portion of tanpa agunan (%) - - - - 33,39% 6,45% credit exposure (%)

Jenis agunan: Ty pes of collateralKas (deposito dan tabungan) 303.726 24.566 - 41 2.300 330.633 Cash (time deposit and sav ing)Tanah dan/atau bangunan 5.248.437 465.898 105.904 2.474.807 160.067 8.455.113 Land and/or buildingMesin-mesin 584.833 444 - - - 585.277 MachineriesKendaraan 542.890 986 1.482 - 2.137.256 2.682.614 VehiclesPiutang usaha 4.587.921 122.727 - - - 4.710.648 Accounts receiv ablePersediaan 496.690 6.996 - - - 503.686 Inv entoriesKapal 33.240 - - - - 33.240 VesselsLainny a 330.897 - - - 1.938 332.835 Others

Jumlah 12.128.634 621.617 107.386 2.474.848 2.301.561 17.634.046 Total

*) Berdasarkan penilaian y ang dilakukan Bank/Based on Bank's assessment

2016

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 89 -

Kredit pemilikan

Korporasi/ Ritel/ Mikro/ rumah/ Lainny a/ Jumlah/Corporate Retail Micro Mortgage Others TotalRp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million

Eksposur kredit 4.398.441 337.395 73.199 915.524 1.360.668 7.085.227 Credit exposureNilai agunan *) 16.722.134 882.560 188.994 1.962.032 1.615.146 21.370.866 Collateral v alue *)Jumlah eksposur kredit Total unsecured credit

tanpa agunan - - - - 461.903 461.903 exposure

Porsi eksposur kredit Unsecured portion of tanpa agunan (%) - - - - 33,95% 6,52% credit exposure (%)

Jenis agunan: Ty pes of collateralKas (deposito dan tabungan) 303.155 46.807 - 39 6.757 356.758 Cash (time deposit and sav ing)Tanah dan/atau bangunan 2.728.135 657.495 186.091 1.961.993 109.360 5.643.074 Land and/or buildingMesin-mesin 700.138 444 - - - 700.582 MachineriesKendaraan 320.049 11.306 2.903 - 1.496.961 1.831.219 VehiclesPiutang usaha 11.764.434 148.307 - - - 11.912.741 Accounts receiv ablePersediaan 547.984 17.756 - - - 565.740 Inv entoriesKapal 43.980 - - - - 43.980 VesselsLainny a 314.259 445 - - 2.068 316.772 Others

Jumlah 16.722.134 882.560 188.994 1.962.032 1.615.146 21.370.866 Total

*) Berdasarkan penilaian y ang dilakukan Bank/Based on Bank's assessment

2015

Eksposur Maksimum Risiko Kredit Maximum Exposure to Credit Risk Tabel berikut menyajikan eksposur maksimum Bank terhadap risiko kredit (sebelum dikurangi cadangan kerugian penurunan nilai) untuk instrumen keuangan pada laporan posisi keuangan maupun rekening administratif dengan memperhitungkan agunan yang dimiliki atau perlindungan kredit lainnya.

The following table presents the Bank’s maximum exposure to credit risk (before deducting allowance for impairment losses) on statements of financial position and administrative accounts, taking into account any collateral held or other credit enhancement.

2016 2015

Rp Juta/ Rp Juta/Rp Million Rp Million

Laporan posisi keuangan Statements of financial positionGiro pada Bank Indonesia 761.639 812.623 Demand deposits w ith Bank IndonesiaGiro pada bank lain 292.470 1.266.474 Demand deposits w ith other banksPenempatan pada Bank Indonesia Placements w ith Bank Indonesia

dan bank lain 1.984.523 1.335.254 and other banksEfek-efek 1.375.817 1.173.954 SecuritiesTagihan derivatif 4.842 8.241 Derivatives receivableKredit yang diberikan 7.994.316 7.085.227 LoansTagihan akseptasi 89.276 21.234 Acceptances receivableAset lain-lain 95.046 86.446 Other assets

Jumlah 12.597.929 11.789.453 Total

Komitmen dan kontinjensi Commitments and contingenciesFasilitas kredit kepada

nasabah yang belum digunakan 230.017 353.363 Unused loan facilities grantedL/C yang irrevocable dan masih berjalan 27.861 35.365 Outstanding irrevocable letters of creditBank garansi yang diterbitkan 17.353 9.752 Bank guarantees issued

Jumlah 275.231 398.480 Total

Risiko konsentrasi kredit

Credit risk concentration

Risiko konsentrasi kredit timbul ketika sejumlah nasabah yang memiliki aktivitas usaha yang serupa atau memiliki kemiripan karakteristik yang akan menyebabkan kemampuan nasabah dalam memenuhi kewajiban kontraktualnya dipengaruhi oleh perubahan kondisi ekonomi dan kondisi lainnya.

Credit risk concentration arises when several customers have similar business activities or similar characteristics wherein the customers’ ability to meet their contractual obligation is affected by the change of economic condition and other conditions.

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 89 -

Kredit pemilikan

Korporasi/ Ritel/ Mikro/ rumah/ Lainny a/ Jumlah/Corporate Retail Micro Mortgage Others TotalRp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million

Eksposur kredit 4.398.441 337.395 73.199 915.524 1.360.668 7.085.227 Credit exposureNilai agunan *) 16.722.134 882.560 188.994 1.962.032 1.615.146 21.370.866 Collateral v alue *)Jumlah eksposur kredit Total unsecured credit

tanpa agunan - - - - 461.903 461.903 exposure

Porsi eksposur kredit Unsecured portion of tanpa agunan (%) - - - - 33,95% 6,52% credit exposure (%)

Jenis agunan: Ty pes of collateralKas (deposito dan tabungan) 303.155 46.807 - 39 6.757 356.758 Cash (time deposit and sav ing)Tanah dan/atau bangunan 2.728.135 657.495 186.091 1.961.993 109.360 5.643.074 Land and/or buildingMesin-mesin 700.138 444 - - - 700.582 MachineriesKendaraan 320.049 11.306 2.903 - 1.496.961 1.831.219 VehiclesPiutang usaha 11.764.434 148.307 - - - 11.912.741 Accounts receiv ablePersediaan 547.984 17.756 - - - 565.740 Inv entoriesKapal 43.980 - - - - 43.980 VesselsLainny a 314.259 445 - - 2.068 316.772 Others

Jumlah 16.722.134 882.560 188.994 1.962.032 1.615.146 21.370.866 Total

*) Berdasarkan penilaian y ang dilakukan Bank/Based on Bank's assessment

2015

Eksposur Maksimum Risiko Kredit Maximum Exposure to Credit Risk Tabel berikut menyajikan eksposur maksimum Bank terhadap risiko kredit (sebelum dikurangi cadangan kerugian penurunan nilai) untuk instrumen keuangan pada laporan posisi keuangan maupun rekening administratif dengan memperhitungkan agunan yang dimiliki atau perlindungan kredit lainnya.

The following table presents the Bank’s maximum exposure to credit risk (before deducting allowance for impairment losses) on statements of financial position and administrative accounts, taking into account any collateral held or other credit enhancement.

2016 2015

Rp Juta/ Rp Juta/Rp Million Rp Million

Laporan posisi keuangan Statements of financial positionGiro pada Bank Indonesia 761.639 812.623 Demand deposits w ith Bank IndonesiaGiro pada bank lain 292.470 1.266.474 Demand deposits w ith other banksPenempatan pada Bank Indonesia Placements w ith Bank Indonesia

dan bank lain 1.984.523 1.335.254 and other banksEfek-efek 1.375.817 1.173.954 SecuritiesTagihan derivatif 4.842 8.241 Derivatives receivableKredit yang diberikan 7.994.316 7.085.227 LoansTagihan akseptasi 89.276 21.234 Acceptances receivableAset lain-lain 95.046 86.446 Other assets

Jumlah 12.597.929 11.789.453 Total

Komitmen dan kontinjensi Commitments and contingenciesFasilitas kredit kepada

nasabah yang belum digunakan 230.017 353.363 Unused loan facilities grantedL/C yang irrevocable dan masih berjalan 27.861 35.365 Outstanding irrevocable letters of creditBank garansi yang diterbitkan 17.353 9.752 Bank guarantees issued

Jumlah 275.231 398.480 Total

Risiko konsentrasi kredit

Credit risk concentration

Risiko konsentrasi kredit timbul ketika sejumlah nasabah yang memiliki aktivitas usaha yang serupa atau memiliki kemiripan karakteristik yang akan menyebabkan kemampuan nasabah dalam memenuhi kewajiban kontraktualnya dipengaruhi oleh perubahan kondisi ekonomi dan kondisi lainnya.

Credit risk concentration arises when several customers have similar business activities or similar characteristics wherein the customers’ ability to meet their contractual obligation is affected by the change of economic condition and other conditions.

PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 90 -

Berikut ini adalah tabel dari konsentrasi aset keuangan dan rekening administratif berdasarkan jenis counterparty (sebelum dikurangi cadangan kerugian penurunan nilai):

The following tables present the financial assets and administrative account concentration by type of counterparty (before deducting allowance for impairment losses):

Pemerintah dan Korporasi dan

Bank Indonesia/ perseorangan/ Gov ernment and Bank lain/ Corporate and Bank Indonesia Other banks personal Jumlah/Total

Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/Rp Million Rp Million Rp Million Rp Million

Giro pada Bank Indonesia 761.639 - - 761.639 Demand deposits with Bank Indonesia

Giro pada bank lain - 292.470 - 292.470 Demand deposits with other banks

Penempatan pada Bank Indonesia dan Placements with Bank Indonesia and

bank lain 1.242.497 742.026 - 1.984.523 other banks

Ef ek-ef ek 945.997 132.194 297.626 1.375.817 Securities

Tagihan deriv atif 2.475 309 2.058 4.842 Deriv ativ e receiv ables

Kredit - 12.160 7.982.156 7.994.316 Loans

Tagihan akseptasi - - 89.276 89.276 Acceptances receiv able

Aset lain-lain 8.138 1.205 85.703 95.046 Other assets

Komitmen dan kontinjensi - 140 275.091 275.231 Commitments and contingencies

Jumlah 2.960.746 1.180.504 8.731.910 12.873.160 Total

2016

Pemerintah dan Korporasi dan

Bank Indonesia/ perseorangan/ Gov ernment and Bank lain/ Corporate and Bank Indonesia Other banks personal Jumlah/Total

Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/Rp Million Rp Million Rp Million Rp Million

Giro pada Bank Indonesia 812.623 - - 812.623 Demand deposits with Bank Indonesia

Giro pada bank lain - 1.266.474 - 1.266.474 Demand deposits with other banks

Penempatan pada Bank Indonesia dan Placements with Bank Indonesia and

bank lain 486.735 848.519 - 1.335.254 other banks

Ef ek-ef ek 896.474 101.951 175.529 1.173.954 Securities

Tagihan deriv atif 656 66 7.519 8.241 Deriv ativ e receiv ables

Kredit - 25.466 7.059.761 7.085.227 Loans

Tagihan akseptasi - - 21.234 21.234 Acceptances receiv able

Aset lain-lain 8.935 402 77.109 86.446 Other assets

Komitmen dan kontinjensi - 200 398.280 398.480 Commitments and contingencies

Jumlah 2.205.423 2.243.078 7.739.432 12.187.933 Total

2015

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 91 -

Berikut ini adalah konsentrasi risiko kredit maksimum berdasarkan wilayah geografis adalah sebagai berikut:

The following table presents the maximum credit risk concentration by geographic are as follows:

JakartaJawa Barat/ West Jav a

Jawa Tengah dan

Jogjakarta/ Central Jav a

and Jogjakarta

Jawa Timur dan Bali/ East Jav a and Bali Sumatera

Indonesia Timur/ East Indonesia Jumlah/Total

Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/

Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million

Giro pada Bank Indonesia 761.639 - - - - - 761.639 Demand deposits with Bank IndonesiaGiro pada bank lain 292.470 - - - - - 292.470 Demand deposits with other banksPenempatan pada Bank Placements with Bank Indonesia and

Indonesia dan bank lain 1.984.523 - - - - - 1.984.523 other banksEf ek-ef ek 1.375.817 - - - - - 1.375.817 SecuritiesTagihan deriv atif 4.842 - - - - - 4.842 Deriv ativ e receiv ablesKredit 5.450.954 230.732 811.956 923.709 375.478 201.487 7.994.316 LoansTagihan akseptasi 1.686 - 87.590 - - - 89.276 Acceptances receiv ableAset lain-lain 79.776 1.255 6.247 4.920 1.795 1.053 95.046 Other assetsFasilitas kredit kepada nasabah

y ang belum digunakan 179.675 1.310 11.642 16.614 17.646 3.130 230.017 Unused loan f acilities granted

L/C y ang irrevocable dan masih berjalan 983 - 26.878 - - - 27.861 Outstanding irrev ocable letters of credit

Bank garansi y ang diterbitkan 15.049 135 - - 69 2.100 17.353 Bank guarantees issued

Jumlah 10.147.414 233.432 944.313 945.243 394.988 207.770 12.873.160 Total

2016

JakartaJawa Barat/ West Jav a

Jawa Tengah

dan Jogjakarta/

Central Jav a and Jogjakarta

Jawa Timur dan Bali/ East Jav a and Bali Sumatera

Indonesia Timur/ East Indonesia Jumlah/Total

Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million

Giro pada Bank Indonesia 812.623 - - - - - 812.623 Demand deposits with Bank IndonesiaGiro pada bank lain 1.266.474 - - - - - 1.266.474 Demand deposits with other banksPenempatan pada Bank Placements with Bank Indonesia and

Indonesia dan bank lain 1.335.254 - - - - - 1.335.254 other banksEf ek-ef ek 1.173.954 - - - - - 1.173.954 SecuritiesTagihan deriv atif 8.241 - - - - - 8.241 Deriv ativ e receiv ablesKredit 4.426.375 352.321 669.077 935.793 517.111 184.550 7.085.227 LoansTagihan akseptasi 8.129 - 13.105 - - - 21.234 Acceptances receiv ableAset lain-lain 69.551 2.768 4.842 5.310 3.182 793 86.446 Other assetsFasilitas kredit kepada nasabah

y ang belum digunakan 194.649 4.531 93.674 21.990 29.394 9.125 353.363 Unused loan f acilities granted

L/C y ang irrevocable dan masih berjalan 11.508 - 19.858 3.999 - - 35.365 Outstanding irrev ocable letters of credit

Bank garansi y ang diterbitkan 5.883 200 - - 1.069 2.600 9.752 Bank guarantees issued

Jumlah 9.312.641 359.820 800.556 967.092 550.756 197.068 12.187.933 Total

2015

Kualitas Kredit Berdasarkan Kelas Aset Keuangan

Credit Quality by Class of Financial Assets

Sebagai bagian dari manajemen risiko kredit, Bank mengadopsi bobot risiko dalam perhitungan aset tertimbang menurut risiko untuk mengukur kualitas kredit dari aset keuangan. Pedoman perhitungan bobot risiko dalam ATMR risiko kredit mengacu kepada Surat Edaran Bank Indonesia No. 13/6/DPNP tahun 2011. Kualitas kredit aset keuangan berdasarkan bobot risiko diklasifikasikan sebagai berikut: Grade A = bobot risiko 0% Grade B = bobot risiko 20% Grade C = bobot risiko 35% Grade D = bobot risiko 40% Grade E = bobot risiko 45% Grade F = bobot risiko 50% Grade G = bobot risiko 75% Grade H = bobot risiko 100% Grade I = bobot risiko 150%

As part of credit risk management, the Bank adopts a risk weighting in the calculation of credit risk weighted assets to measure the credit quality of financial assets. Guidelines for the calculation of risk weight in the credit risk weighted assets are stated in Bank Indonesia Circular Letter No. 13/6/DPNP in 2011. Credit quality of financial assets classified by risk weights as follows: Grade A = risk weight 0% Grade B = risk weight 20% Grade C = risk weight 35% Grade D = risk weight 40% Grade E = risk weight 45% Grade F = risk weight 50% Grade G = risk weight 75% Grade H = risk weight 100% Grade I = risk weight 150%

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 91 -

Berikut ini adalah konsentrasi risiko kredit maksimum berdasarkan wilayah geografis adalah sebagai berikut:

The following table presents the maximum credit risk concentration by geographic are as follows:

JakartaJawa Barat/ West Jav a

Jawa Tengah dan

Jogjakarta/ Central Jav a

and Jogjakarta

Jawa Timur dan Bali/ East Jav a and Bali Sumatera

Indonesia Timur/ East Indonesia Jumlah/Total

Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/

Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million

Giro pada Bank Indonesia 761.639 - - - - - 761.639 Demand deposits with Bank IndonesiaGiro pada bank lain 292.470 - - - - - 292.470 Demand deposits with other banksPenempatan pada Bank Placements with Bank Indonesia and

Indonesia dan bank lain 1.984.523 - - - - - 1.984.523 other banksEf ek-ef ek 1.375.817 - - - - - 1.375.817 SecuritiesTagihan deriv atif 4.842 - - - - - 4.842 Deriv ativ e receiv ablesKredit 5.450.954 230.732 811.956 923.709 375.478 201.487 7.994.316 LoansTagihan akseptasi 1.686 - 87.590 - - - 89.276 Acceptances receiv ableAset lain-lain 79.776 1.255 6.247 4.920 1.795 1.053 95.046 Other assetsFasilitas kredit kepada nasabah

y ang belum digunakan 179.675 1.310 11.642 16.614 17.646 3.130 230.017 Unused loan f acilities granted

L/C y ang irrevocable dan masih berjalan 983 - 26.878 - - - 27.861 Outstanding irrev ocable letters of credit

Bank garansi y ang diterbitkan 15.049 135 - - 69 2.100 17.353 Bank guarantees issued

Jumlah 10.147.414 233.432 944.313 945.243 394.988 207.770 12.873.160 Total

2016

JakartaJawa Barat/ West Jav a

Jawa Tengah

dan Jogjakarta/

Central Jav a and Jogjakarta

Jawa Timur dan Bali/ East Jav a and Bali Sumatera

Indonesia Timur/ East Indonesia Jumlah/Total

Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million

Giro pada Bank Indonesia 812.623 - - - - - 812.623 Demand deposits with Bank IndonesiaGiro pada bank lain 1.266.474 - - - - - 1.266.474 Demand deposits with other banksPenempatan pada Bank Placements with Bank Indonesia and

Indonesia dan bank lain 1.335.254 - - - - - 1.335.254 other banksEf ek-ef ek 1.173.954 - - - - - 1.173.954 SecuritiesTagihan deriv atif 8.241 - - - - - 8.241 Deriv ativ e receiv ablesKredit 4.426.375 352.321 669.077 935.793 517.111 184.550 7.085.227 LoansTagihan akseptasi 8.129 - 13.105 - - - 21.234 Acceptances receiv ableAset lain-lain 69.551 2.768 4.842 5.310 3.182 793 86.446 Other assetsFasilitas kredit kepada nasabah

y ang belum digunakan 194.649 4.531 93.674 21.990 29.394 9.125 353.363 Unused loan f acilities granted

L/C y ang irrevocable dan masih berjalan 11.508 - 19.858 3.999 - - 35.365 Outstanding irrev ocable letters of credit

Bank garansi y ang diterbitkan 5.883 200 - - 1.069 2.600 9.752 Bank guarantees issued

Jumlah 9.312.641 359.820 800.556 967.092 550.756 197.068 12.187.933 Total

2015

Kualitas Kredit Berdasarkan Kelas Aset Keuangan

Credit Quality by Class of Financial Assets

Sebagai bagian dari manajemen risiko kredit, Bank mengadopsi bobot risiko dalam perhitungan aset tertimbang menurut risiko untuk mengukur kualitas kredit dari aset keuangan. Pedoman perhitungan bobot risiko dalam ATMR risiko kredit mengacu kepada Surat Edaran Bank Indonesia No. 13/6/DPNP tahun 2011. Kualitas kredit aset keuangan berdasarkan bobot risiko diklasifikasikan sebagai berikut: Grade A = bobot risiko 0% Grade B = bobot risiko 20% Grade C = bobot risiko 35% Grade D = bobot risiko 40% Grade E = bobot risiko 45% Grade F = bobot risiko 50% Grade G = bobot risiko 75% Grade H = bobot risiko 100% Grade I = bobot risiko 150%

As part of credit risk management, the Bank adopts a risk weighting in the calculation of credit risk weighted assets to measure the credit quality of financial assets. Guidelines for the calculation of risk weight in the credit risk weighted assets are stated in Bank Indonesia Circular Letter No. 13/6/DPNP in 2011. Credit quality of financial assets classified by risk weights as follows: Grade A = risk weight 0% Grade B = risk weight 20% Grade C = risk weight 35% Grade D = risk weight 40% Grade E = risk weight 45% Grade F = risk weight 50% Grade G = risk weight 75% Grade H = risk weight 100% Grade I = risk weight 150%

PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 92 -

Kelas aset keuangan di atas adalah untuk aset keuangan yang belum jatuh tempo dan tidak mengalami penurunan nilai. Untuk aset keuangan yang sudah jatuh tempo dibagi menjadi dua bagian yaitu: a. Telah jatuh tempo tetapi tidak mengalami

penurunan nilai b. Mengalami penurunan nilai Tabel di bawah ini menyajikan kualitas aset keuangan berdasarkan kelas risiko kredit, jumlah yang disajikan adalah sebelum dikurangi cadangan kerugian penurunan nilai.

The above credit quality classification are for neither past due nor impaired financial assets. Overdue financial assets are segregated into two groups, which are: a. Past due but not impaired

b. Impaired The tables below show the quality of financial assets with credit risk by class. The amounts presented are gross of allowance for impairment losses.

Telah jatuh tempo

tetapi tidak

mengalami

penurunan nilai/ Mengalami

Past due penurunan nilai/ Jumlah/

A B C D E F G H but not impaired Impaired Total

Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/

Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million

Aset keuangan Financial Assets

Kas 144.975 - - - - - - - - - 144.975 Cash

Giro pada Bank Indonesia 761.639 - - - - - - - - - 761.639 Demand deposits with Bank Indonesia

Giro pada bank lain - 292.452 - - - 18 - - - - 292.470 Demand deposits with other banks

Penempatan pada Bank Placements with Bank Indonesia

Indonesia dan bank lain 1.242.498 645.142 - - - 96.883 - - - - 1.984.523 and other banks

Efek-efek 945.879 55.028 - - - 107.107 - 267.803 - - 1.375.817 Securities

Tagihan derivatif 2.475 309 - - - - - 2.058 - - 4.842 Derivatives receivable

Kredit yang diberikan - - 626.761 - - 178.676 1.740.969 5.226.620 - 221.290 7.994.316 Loans

Tagihan akseptasi - - - - - - - 89.276 - - 89.276 Acceptances receivable

Aset lain-lain - - - - - - - 95.046 - - 95.046 Other assets

Jumlah 3.097.466 992.931 626.761 - - 382.684 1.740.969 5.680.803 - 221.290 12.742.904 Total

2016

Belum jatuh tempo dan tidak mengalami penurunan nilai/Neither past due nor impaired

Telah jatuh tempo

tetapi tidak

mengalami

penurunan nilai/ Mengalami

Past due penurunan nilai/ Jumlah/

A B C D E F G H but not impaired Impaired Total

Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/

Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million

Aset keuangan Financial Assets

Kas 108.955 - - - - - - - - - 108.955 Cash

Giro pada Bank Indonesia 812.623 - - - - - - - - - 812.623 Demand deposits with Bank Indonesia

Giro pada bank lain - 1.266.368 - - - 106 - - - - 1.266.474 Demand deposits with other banks

Penempatan pada Bank Placements with Bank Indonesia

Indonesia dan bank lain 486.786 780.300 - - - 68.168 - - - - 1.335.254 and other banks

Efek-efek 894.189 279.765 - - - - - - - - 1.173.954 Securities

Tagihan derivatif - 722 - - - - - 7.519 - - 8.241 Derivatives receivable

Kredit yang diberikan - - 390.316 - - 233.044 169.770 6.082.723 - 209.374 7.085.227 Loans

Tagihan akseptasi - - - - - - - 21.234 - - 21.234 Acceptances receivable

Aset lain-lain - - - - - - - 86.446 - - 86.446 Other assets

Jumlah 2.302.553 2.327.155 390.316 - - 301.318 169.770 6.197.922 - 209.374 11.898.408 Total

2015

Belum jatuh tempo dan tidak mengalami penurunan nilai/Neither past due nor impaired

Risiko Pasar

Market Risk

Risiko Pasar adalah risiko pada posisi neraca dan rekening administratif termasuk transaksi derivatif, akibat perubahan secara keseluruhan dari kondisi pasar, termasuk risiko perubahan harga option.

Market Risk is the risk on the balance sheet and off balance sheet position including derivative transactions due to the overall changes of the market condition, including the option price risk changes.

Bank menggunakan standar model untuk menghitung dan memantau risiko pasar sesuai Peraturan Otoritas Jasa Keuangan No. 11/POJK.03/2016 tentang kewajiban penyediaan modal minimum. Hasil perhitungan risiko pasar yang berdampak terhadap rasio kewajiban penyediaan modal minimum dilaporkan kepada Dewan Komisaris, Direksi dan manajemen senior secara berkala.

The Bank employs the standard model to calculate and monitor its market risks in line with OJK regulation No. 11/POJK.03/2016 concerning capital adequacy ratio. The result of calculation of market risk affecting its capital adequacy ratio are reported to the Board of Commissioners, Board of Directors and senior management in the regular meetings.

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PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 93 -

Tujuan utama Manajemen Risiko untuk Risiko Pasar adalah untuk meminimalkan kemungkinan dampak negatif akibat perubahan kondisi pasar terhadap aset dan permodalan Bank.

The main purpose of Risk Management for Market Risk is to minimize the possibility of negative impact due to the changes of market condition on Bank’s assets and equity.

Pengelolaan risiko pasar Bank mengelola risiko pasar yang inheren pada portofolio trading book dan banking book menggunakan pengukuran sebagai berikut: Sensitivitas dari posisi atau portofolio terhadap

perubahan faktor risiko pasar yang mempengaruhinya;

Maksimal perubahan dari faktor risiko pasar dalam horison waktu tertentu dengan tingkat keyakinan tertentu; pengukuran yang dimaksud ini adalah volatilitas.

Managing market risk The Bank manages market risk inherent in the trading book portfolio and banking book through: The sensitivity of the position or portfolio to a

movement in the market risk factor to which it is exposed;

The maximum expected movement in the market

risk factor for a given time horizon at a specified level of confidence; a measure referred to as factor volatility.

Sebagai tambahan dari pendekatan tersebut, Bank juga melakukan stress testing analysis untuk mengetahui kemampuan Bank dalam menghadapi pergerakan atau kondisi pasar yang tidak normal.

Supplementary to the above approach, the Bank also performs stress testing analysis, a proactive measure of the Bank’s capability to withstand abnormal market volatility or condition.

Risiko suku bunga

Interest rate risk

Pengelolaan risiko pasar dilakukan dengan berbagai analisa risiko dan limit.

Managing market risk is performed through various risk analysis and limits.

Sementara itu, pengelolaan risiko pasar pada posisi non trading (banking book) difokuskan pada pengelolaan risiko suku bunga melalui analisis imbal hasil suku bunga bulanan untuk penelaahan dampak dari perubahan suku bunga aktual terhadap aset dan liabilitas yang sensitif terhadap perubahan suku bunga dan pengukuran dengan menggunakan analisis repricing gap, dalam analisis ini aset yang akan di-reprice dalam suatu periode tertentu akan dikurangi dengan pasiva yang akan di-reprice dalam periode yang sama untuk menghasilkan net repricing gap untuk periode waktu tersebut.

Meanwhile, market risk for non trading (banking book) is focused on interest rate risk exposure as shown by monthly interest rate yield analysis to review the actual interest rate changes for all interest rate sensitive assets and liabilities and also by repricing gap analysis wherein assets that would be repriced over a certain time interval are subtracted from the liabilities that would reprice in the same period to produce the net repricing gap.

Tabel berikut merangkum aset dan liabilitas Bank yang sensitif terhadap perubahan tingkat suku bunga:

The following tables below summarize the Bank’s sensitivity of financial assets and financial liabilities to interest rate changes:

Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million

Aset keuangan Financial assetsDemand deposits with

Giro pada Bank Indonesia 761.639 - - - - 761.639 Bank IndonesiaDemand deposits with

Giro pada bank lain 292.470 - - - - 292.470 other banksPenempatan pada Bank indonesia Placements with Bank dan bank lain 1.739.110 148.949 96.464 - - 1.984.523 Indonesia and other banksEfek-efek 150.196 49.532 78.952 409.401 687.736 1.375.817 SecuritiesKredit 3.004.840 118.588 1.051.102 2.697.228 1.122.558 7.994.316 Loans

Jumlah aset keuangan 5.948.255 317.069 1.226.518 3.106.629 1.810.294 12.408.765 Total financial assets

Liabilitas keuangan Financial liabilitiesSimpanan 6.707.183 2.824.763 788.107 16.940 2.414 10.339.407 DepositsSimpanan dari bank lain 487.933 15.601 3.281 501 - 507.316 Deposits from other banksEfek yang dijual dengan janji Securities sold with agreements dibeli kembali 89.941 - - - - 89.941 to repurchase

Jumlah liabilitas keuangan 7.285.057 2.840.364 791.388 17.441 2.414 10.936.664 Total financial liabilities

Jumlah aset (liabilitas) - bersih (1.336.802) (2.523.295) 435.130 3.089.188 1.807.880 1.472.101 Total assets (liabilities) - net

>5 tahun / >5 years Jumlah / Total

Sampai dengan 1 bulan /

1 month or less

>1 bulan - 3 bulan / >1 month - 3 months

>3 bulan - 12 bulan / >3 months - 12 months

>1 tahun - 5 tahun / >

1 year - 5 years

2016

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PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 93 -

Tujuan utama Manajemen Risiko untuk Risiko Pasar adalah untuk meminimalkan kemungkinan dampak negatif akibat perubahan kondisi pasar terhadap aset dan permodalan Bank.

The main purpose of Risk Management for Market Risk is to minimize the possibility of negative impact due to the changes of market condition on Bank’s assets and equity.

Pengelolaan risiko pasar Bank mengelola risiko pasar yang inheren pada portofolio trading book dan banking book menggunakan pengukuran sebagai berikut: Sensitivitas dari posisi atau portofolio terhadap

perubahan faktor risiko pasar yang mempengaruhinya;

Maksimal perubahan dari faktor risiko pasar dalam horison waktu tertentu dengan tingkat keyakinan tertentu; pengukuran yang dimaksud ini adalah volatilitas.

Managing market risk The Bank manages market risk inherent in the trading book portfolio and banking book through: The sensitivity of the position or portfolio to a

movement in the market risk factor to which it is exposed;

The maximum expected movement in the market

risk factor for a given time horizon at a specified level of confidence; a measure referred to as factor volatility.

Sebagai tambahan dari pendekatan tersebut, Bank juga melakukan stress testing analysis untuk mengetahui kemampuan Bank dalam menghadapi pergerakan atau kondisi pasar yang tidak normal.

Supplementary to the above approach, the Bank also performs stress testing analysis, a proactive measure of the Bank’s capability to withstand abnormal market volatility or condition.

Risiko suku bunga

Interest rate risk

Pengelolaan risiko pasar dilakukan dengan berbagai analisa risiko dan limit.

Managing market risk is performed through various risk analysis and limits.

Sementara itu, pengelolaan risiko pasar pada posisi non trading (banking book) difokuskan pada pengelolaan risiko suku bunga melalui analisis imbal hasil suku bunga bulanan untuk penelaahan dampak dari perubahan suku bunga aktual terhadap aset dan liabilitas yang sensitif terhadap perubahan suku bunga dan pengukuran dengan menggunakan analisis repricing gap, dalam analisis ini aset yang akan di-reprice dalam suatu periode tertentu akan dikurangi dengan pasiva yang akan di-reprice dalam periode yang sama untuk menghasilkan net repricing gap untuk periode waktu tersebut.

Meanwhile, market risk for non trading (banking book) is focused on interest rate risk exposure as shown by monthly interest rate yield analysis to review the actual interest rate changes for all interest rate sensitive assets and liabilities and also by repricing gap analysis wherein assets that would be repriced over a certain time interval are subtracted from the liabilities that would reprice in the same period to produce the net repricing gap.

Tabel berikut merangkum aset dan liabilitas Bank yang sensitif terhadap perubahan tingkat suku bunga:

The following tables below summarize the Bank’s sensitivity of financial assets and financial liabilities to interest rate changes:

Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million

Aset keuangan Financial assetsDemand deposits with

Giro pada Bank Indonesia 761.639 - - - - 761.639 Bank IndonesiaDemand deposits with

Giro pada bank lain 292.470 - - - - 292.470 other banksPenempatan pada Bank indonesia Placements with Bank dan bank lain 1.739.110 148.949 96.464 - - 1.984.523 Indonesia and other banksEfek-efek 150.196 49.532 78.952 409.401 687.736 1.375.817 SecuritiesKredit 3.004.840 118.588 1.051.102 2.697.228 1.122.558 7.994.316 Loans

Jumlah aset keuangan 5.948.255 317.069 1.226.518 3.106.629 1.810.294 12.408.765 Total financial assets

Liabilitas keuangan Financial liabilitiesSimpanan 6.707.183 2.824.763 788.107 16.940 2.414 10.339.407 DepositsSimpanan dari bank lain 487.933 15.601 3.281 501 - 507.316 Deposits from other banksEfek yang dijual dengan janji Securities sold with agreements dibeli kembali 89.941 - - - - 89.941 to repurchase

Jumlah liabilitas keuangan 7.285.057 2.840.364 791.388 17.441 2.414 10.936.664 Total financial liabilities

Jumlah aset (liabilitas) - bersih (1.336.802) (2.523.295) 435.130 3.089.188 1.807.880 1.472.101 Total assets (liabilities) - net

>5 tahun / >5 years Jumlah / Total

Sampai dengan 1 bulan /

1 month or less

>1 bulan - 3 bulan / >1 month - 3 months

>3 bulan - 12 bulan / >3 months - 12 months

>1 tahun - 5 tahun / >

1 year - 5 years

2016

PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 94 -

Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million

Aset keuangan Financial assetsDemand deposits with

Giro pada Bank Indonesia 812.623 - - - - 812.623 Bank IndonesiaDemand deposits with

Giro pada bank lain 1.266.474 - - - - 1.266.474 other banksPenempatan pada Bank indonesia Placements with Bank dan bank lain 1.218.281 - 116.973 - - 1.335.254 Indonesia and other banksEfek-efek 29.603 154.500 49.739 313.443 626.669 1.173.954 SecuritiesKredit 4.253.028 158.421 466.455 1.748.487 458.836 7.085.227 Loans

Jumlah aset keuangan 7.580.009 312.921 633.167 2.061.930 1.085.505 11.673.532 Total financial assets

Liabilitas keuangan Financial liabilitiesSimpanan 7.093.752 1.989.768 658.333 18.747 5.927 9.766.527 DepositsSimpanan dari bank lain 480.589 15.611 3.954 551 - 500.705 Deposits from other banks

Jumlah liabilitas keuangan 7.574.341 2.005.379 662.287 19.298 5.927 10.267.232 Total financial liabilities

Jumlah aset (liabilitas) - bersih 5.668 (1.692.458) (29.120) 2.042.632 1.079.578 1.406.300 Total assets (liabilities) - net

>5 tahun / >5 years Jumlah / Total

Sampai dengan 1 bulan /

1 month or less

>1 bulan - 3 bulan / >1 month - 3 months

>3 bulan - 12 bulan / >3 months - 12 months

>1 tahun - 5 tahun / >

1 year - 5 years

2015

Jika terjadi perubahan suku bunga yang mungkin dapat mempengaruhi kinerja Bank, maka Bank dapat segera merestruktur aset dan liabilitas yang dimiliki, baik tanggal repricing date-nya ataupun jenis suku bunganya (tetap atau variabel).

If there is change in interest rate that may affect the Bank’s performance, the Bank can immediately restructure its assets and liabilities, their repricing date or type of interest rate (i.e. fixed or variable).

Risiko mata uang

Risiko mata uang adalah risiko-risiko dimana nilai instrumen keuangan akan berfluktuasi karena perubahan dalam nilai tukar mata uang asing. Bank telah menetapkan limit posisi berdasarkan mata uang. Posisi tersebut dimonitor harian dan strategi lindung nilai akan digunakan untuk meyakinkan bahwa posisi dijaga agar dalam batasan yang telah ditetapkan.

Currency risk Currency risk is the risk that the value of a financial instrument will fluctuate due to changes in foreign exchange rates. The Bank has set limits on positions by currency. Positions are monitored on a daily basis and hedging strategies will be used to ensure positions are maintained within established limits.

Sesuai Peraturan Bank Indonesia No. 5/13/PBI/2003, sebagaimana telah diubah terakhir dengan Peraturan Bank Indonesia No. 17/05/PBI/2015, Bank wajib mengelola dan memelihara Posisi Devisa Neto (PDN) pada akhir hari kerja secara keseluruhan paling tinggi 20% dari modal. Bank menetapkan limit internal PDN sebesar 17% dari modal dalam rangka mencegah terjadinya pelampauan terhadap limit yang ditetapkan oleh regulator.

In accordance with Bank Indonesia Regulation No. 5/13/PBI/2003 amended by Regulation No. 17/05/PBI/2015, the Bank is required to manage and maintain the end of day Net Open Position (NOP) up to 20% of its capital. The Bank has set internal limit for maximum NOP of 17% in order to prevent a breach of the limit set by regulator.

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PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 95 -

Rasio PDN pada tanggal 31 Desember 2016 dan 2015, adalah sebagai berikut:

NOP ratios as of December 31, 2016 and 2015, are as follows:

Nilai bersih Aset/ Liabilitas/ Nilai bersih/ absolut/

Assets Liabilities Net value Absolute ValueRp Juta/ Rp Juta/ Rp Juta/ Rp Juta/Rp Million Rp Million Rp Million Rp Million

Statement of f inancial Laporan posisi keuangan position

Dollar Amerika Serikat 1.569.379 2.021.048 (451.669) 451.669 United States DollarDollar Singapura 6.260 6.327 (67) 67 Singapore DollarDollar Australia 1.723 1.718 5 5 Australian Dollar

Dollar Hongkong 1.325 - 1.325 1.325 Hongkong DollarYen Jepang 256 573 (317) 317 Japanese YenEuro 2.471 2.650 (179) 179 Euro

Jumlah 1.581.414 2.032.316 (450.902) 453.562 Total

Rekening administratif Administrative accountDollar Amerika Serikat 836.753 324.798 511.955 511.955 United States Dollar Yen Jepang 20.924 20.979 (55) 55 Japanese Yen

Jumlah 857.677 345.777 511.900 512.010 Total

Jumlah 2.439.091 2.378.093 60.998 965.572 Total

Persentase PDN 3,70% NOP ratio

2016

Nilai bersih Aset/ Liabilitas/ Nilai bersih/ absolut/

Assets Liabilities Net value Absolute ValueRp Juta/ Rp Juta/ Rp Juta/ Rp Juta/Rp Million Rp Million Rp Million Rp Million

Statement of f inancial Laporan posisi keuangan position

Dollar Amerika Serikat 2.412.665 2.124.051 288.614 288.614 United States DollarDollar Singapura 25.969 24.077 1.892 1.892 Singapore DollarDollar Australia 2.685 623 2.062 2.062 Australian Dollar

Dollar Hongkong 1.190 - 1.190 1.190 Hongkong DollarYen Jepang 1.337 614 723 723 Japanese YenEuro 5.733 5.790 (57) 57 Euro

Jumlah 2.449.579 2.155.155 294.424 294.538 Total

Rekening administratif Administrative accountDollar Amerika Serikat 355.182 546.527 (191.345) 191.345 United States Dollar Dollar Australia - 1.412 (1.412) 1.412 Australian DollarYen Jepang 344 - 344 344 Japanese YenDollar Singapore 1.464 1.464 - - Singapore Dollar

Jumlah 356.990 549.403 (192.413) 193.101 Total

Jumlah 2.806.569 2.704.558 102.011 487.639 Total

Persentase PDN 6,82% NOP ratio

2015

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 95 -

Rasio PDN pada tanggal 31 Desember 2016 dan 2015, adalah sebagai berikut:

NOP ratios as of December 31, 2016 and 2015, are as follows:

Nilai bersih Aset/ Liabilitas/ Nilai bersih/ absolut/

Assets Liabilities Net value Absolute ValueRp Juta/ Rp Juta/ Rp Juta/ Rp Juta/Rp Million Rp Million Rp Million Rp Million

Statement of f inancial Laporan posisi keuangan position

Dollar Amerika Serikat 1.569.379 2.021.048 (451.669) 451.669 United States DollarDollar Singapura 6.260 6.327 (67) 67 Singapore DollarDollar Australia 1.723 1.718 5 5 Australian Dollar

Dollar Hongkong 1.325 - 1.325 1.325 Hongkong DollarYen Jepang 256 573 (317) 317 Japanese YenEuro 2.471 2.650 (179) 179 Euro

Jumlah 1.581.414 2.032.316 (450.902) 453.562 Total

Rekening administratif Administrative accountDollar Amerika Serikat 836.753 324.798 511.955 511.955 United States Dollar Yen Jepang 20.924 20.979 (55) 55 Japanese Yen

Jumlah 857.677 345.777 511.900 512.010 Total

Jumlah 2.439.091 2.378.093 60.998 965.572 Total

Persentase PDN 3,70% NOP ratio

2016

Nilai bersih Aset/ Liabilitas/ Nilai bersih/ absolut/

Assets Liabilities Net value Absolute ValueRp Juta/ Rp Juta/ Rp Juta/ Rp Juta/Rp Million Rp Million Rp Million Rp Million

Statement of f inancial Laporan posisi keuangan position

Dollar Amerika Serikat 2.412.665 2.124.051 288.614 288.614 United States DollarDollar Singapura 25.969 24.077 1.892 1.892 Singapore DollarDollar Australia 2.685 623 2.062 2.062 Australian Dollar

Dollar Hongkong 1.190 - 1.190 1.190 Hongkong DollarYen Jepang 1.337 614 723 723 Japanese YenEuro 5.733 5.790 (57) 57 Euro

Jumlah 2.449.579 2.155.155 294.424 294.538 Total

Rekening administratif Administrative accountDollar Amerika Serikat 355.182 546.527 (191.345) 191.345 United States Dollar Dollar Australia - 1.412 (1.412) 1.412 Australian DollarYen Jepang 344 - 344 344 Japanese YenDollar Singapore 1.464 1.464 - - Singapore Dollar

Jumlah 356.990 549.403 (192.413) 193.101 Total

Jumlah 2.806.569 2.704.558 102.011 487.639 Total

Persentase PDN 6,82% NOP ratio

2015

PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 96 -

Tabel di bawah menggambarkan analisa sensitivitas 10 basis poin kenaikan atau penurunan dalam nilai tukar terhadap PDN Bank per tanggal 31 Desember 2016 dan 2015.

The table below shows sensitivity analysis of 10 basis point increase or decrease in the foreign exchange rates on Bank’s NOP per December 31, 2016 and 2015.

Kenaikan (penurunan)

dalam basis poin / Increase (decrease)

in basis point

Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/

Rp Million Rp Million Rp Million Rp Million

Dollar Amerika serikat 10/(10) 60.346 60.226 90.176 89.996 United States Dollar

Yen Jepang 10/(10) (373) (372) 1.068 1.066 Japanese Yen

Euro 10/(10) (179) (179) (57) (57) Euro

Dollar Singapura 10/(10) (67) (67) 2.180 2.176 Singapore Dollar

Dollar Hongkong 10/(10) 1.326 1.324 1.192 118 Hongkong Dollar

Dollar Australia 10/(10) 5 5 652 650 Australian Dollar

Sensitiv itas dalam posisi mata uang/

CurrenciesMata Uang 2016 2015

Sensitiv ity of open position

Risiko Likuiditas Risiko Likuiditas adalah risiko akibat ketidakmampuan Bank untuk memenuhi kewajiban yang jatuh tempo dari sumber pendanaan arus kas dan/ atau dari aset likuid berkualitas tinggi yang dapat diagunkan, tanpa mengganggu aktivitas dan kondisi keuangan Bank. Tujuan utama Manajemen Risiko untuk Risiko Likuiditas adalah untuk meminimalkan kemungkinan ketidakmampuan Bank dalam memperoleh sumber pendanaan arus kas.

Liquidity Risk Liquidity Risk is the risk which is caused by Bank’s inability to meet its obligation from cash flow funding sources and/or the high quality liquid assets which can be pledged, without disturbing the activity and financial condition of the Bank. The main purpose of the Risk Management for the Liquidity Risk is to minimize the possibility of the Bank’s inability to obtain cash flow funding source.

Pemantauan dan perhitungan risiko likuiditas dilakukan dengan menggunakan indikator risiko likuiditas seperti Giro Wajib Minimum, Primer dan Sekunder, Loan to Funding Ratio (LFR), rasio aset lancar terhadap dana pihak ketiga, konsentrasi 50 nasabah terbesar serta maturity mismatch, dilaporkan kepada Dewan Komisaris, Direksi dan manajemen senior secara harian, mingguan dan bulanan maupun dalam rapat bulanan ALCO.

Monitoring and calculation of liquidity risk is conducted by using liquidity risk indicators such as reserve requirement, both primary and secondary, Loan to Funding Ratio (LFR), liquid assets to third party funds ratio, concentration of 50 biggest customers and maturity mismatch, reported to the Board of Commissioners, Directors and senior management on a daily, weekly and monthly basis as well as during the monthly meeting of ALCO.

Secara berkala Bank melakukan kaji ulang terhadap kebijakan dan limit risiko likuiditas, serta kebijakan contingency funding plan yang telah ditetapkan sehingga terdapat panduan yang jelas di saat krisis terjadi. Untuk mengetahui dampak perubahan pasar maupun faktor internal pada kondisi ekstrim (krisis) terhadap kondisi likuiditas yang dapat berdampak pada kecukupan modal Bank, Bank melakukan stress test terhadap posisi likuiditas Bank secara regular. Melalui stress test, Bank dapat mengantisipasi lebih awal dan mengambil langkah-langkah pengendalian dan solusi yang paling optimal sebagai strategi jangka pendek maupun jangka panjang pemulihan likuiditas.

The Bank on a regular basis reviews the liquidity risk management policy and its limits, and ensures that liquidity contingency plan policy has been set up so that there is clear guidance in times of crisis. In determining impact of changes in market and internal factors in extreme conditions (crisis) to the liquidity conditions that could impact the Bank's capital adequacy, the Bank performs stress test on Bank’s funding liquidity position on a regular basis. By applying stress test, Bank can anticipate early and take control measures as well as calculate the most optimal solution per short-term strategy and long-term recovery of liquidity.

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 97 -

Tabel berikut menggambarkan profil maturitas aset dan liabilitas Bank (sebelum dikurangi penyisihan cadangan kerugian penurunan nilai) berdasarkan behavioral dana pihak ketiga dan sisa jatuh tempo, sebagai berikut:

The following tables below show the maturity profile of the Bank’s financial assets (before deducting allowance for impairment losses) and financial liabilities based on behavior of third party funds are as follows:

Lain-lain/Others

Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million

Aset Keuangan Financial AssetsTanpa suku bunga Non-interest bearing

Kas - 144.975 - - - - 144.975 CashDemand deposits with

Giro pada Bank Indonesia - 761.639 - - - - 761.639 Bank IndonesiaTagihan derivatif - 2.784 - 2.058 - - 4.842 Derivative receivablesTagihan akseptasi - 1.686 - 87.590 - - 89.276 Acceptances receivableAset lain-lain - 68.531 4.750 - 21.765 - 95.046 Other assets

Suku bunga variabel Variable interest rateKredit - 430.083 92.459 451.202 1.139.398 578.124 2.691.266 LoansEfek-efek - 50.223 - - - - 50.223 Securities

Suku bunga tetap Fixed interest rateDemand deposits with

Giro pada bank lain - 292.470 - - - - 292.470 other banksPenempatan pada Bank Indonesia Placements with Bank dan bank lain - 1.739.110 148.949 96.464 - - 1.984.523 Indonesia and other banksEfek-efek - 99.973 49.532 78.952 409.401 687.736 1.325.594 SecuritiesKredit - 313.574 118.588 1.051.102 2.697.228 1.122.558 5.303.050 Loans

Jumlah Aset Keuangan - 3.905.048 414.278 1.767.368 4.267.792 2.388.418 12.742.904 Total Financial Assets

Liabilitas Keuangan Financial liabilitiesTanpa suku bunga Non-interest bearing

Liabilities payable Liabilitas segera - 32.018 - - - - 32.018 immediately Liabilitas derivatif - 3.192 384 - - - 3.576 Derivative payables Liabilitas akseptasi - 1.686 - 87.590 - - 89.276 Acceptances payable Biaya yang masih harus dibayar - - - 32.001 - - 32.001 Accruals Liabilitas lain-lain - 7.595 - - - - 7.595 Other liabilities

Suku bunga variabel Variable interest rate Simpanan - 426.322 32.756 53.488 963.085 - 1.475.651 Deposits Simpanan dari bank lain - 304.431 - - - - 304.431 Deposits from other banks

Suku bunga tetap Fixed interest rate Simpanan - 1.504.196 - - 7.359.560 - 8.863.756 Deposits Simpanan dari bank lain - 183.502 15.601 3.281 501 - 202.885 Deposits from other banks Efek yang dijual dengan janji Securities sold with agreements

dibeli kembali - 89.941 - - - - 89.941 to repurchase Biaya yang masih harus dibayar - 18.540 10.218 3.606 - - 32.364 Accruals

Jumlah Liabilitas Keuangan - 2.571.423 58.959 179.966 8.323.146 - 11.133.494 Total Financial Liabilities

Sampai dengan1 bulan/

1 month or less

2016

Jumlah / Total >5 tahun / >5 years

>1 bulan - 3 bulan / >1 month - 3 months

>3 bulan - 12 bulan / >3 months - 12 months

>1 tahun - 5 tahun / >

1 year - 5 years

Lain-lain/Others

Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million

Aset Keuangan Financial AssetsTanpa suku bunga Non-interest bearing

Kas - 108.955 - - - - 108.955 CashDemand deposits with

Giro pada Bank Indonesia - 812.623 - - - - 812.623 Bank IndonesiaTagihan derivatif - 8.241 - - - - 8.241 Derivative receivablesTagihan akseptasi - 2.304 11.551 7.379 - - 21.234 Acceptances receivableAset lain-lain - 60.989 - - 25.457 86.446 Other assets

Suku bunga variabel Variable interest rateKredit - 148.125 408.570 1.144.868 1.827.944 645.174 4.174.681 LoansEfek-efek - - 29.603 - - - 29.603 Securities

Suku bunga tetap Fixed interest rateDemand deposits with

Giro pada bank lain - 1.266.474 - - - - 1.266.474 other banksPenempatan pada Bank Indonesia Placements with Bank dan bank lain - 1.286.772 - 48.482 - - 1.335.254 Indonesia and other banksEfek-efek - - 154.500 49.739 313.443 626.669 1.144.351 SecuritiesKredit - 78.346 158.422 466.456 1.748.486 458.836 2.910.546 Loans

Jumlah Aset Keuangan - 3.772.829 762.646 1.716.924 3.915.330 1.730.679 11.898.408 Total Financial Assets

Sampai dengan1 bulan/

1 month or less

2015

Jumlah / Total >5 tahun / >5 years

>1 bulan - 3 bulan / >1 month - 3 months

>3 bulan - 12 bulan / >3 months - 12 months

>1 tahun - 5 tahun / >

1 year - 5 years

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 97 -

Tabel berikut menggambarkan profil maturitas aset dan liabilitas Bank (sebelum dikurangi penyisihan cadangan kerugian penurunan nilai) berdasarkan behavioral dana pihak ketiga dan sisa jatuh tempo, sebagai berikut:

The following tables below show the maturity profile of the Bank’s financial assets (before deducting allowance for impairment losses) and financial liabilities based on behavior of third party funds are as follows:

Lain-lain/Others

Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million

Aset Keuangan Financial AssetsTanpa suku bunga Non-interest bearing

Kas - 144.975 - - - - 144.975 CashDemand deposits with

Giro pada Bank Indonesia - 761.639 - - - - 761.639 Bank IndonesiaTagihan derivatif - 2.784 - 2.058 - - 4.842 Derivative receivablesTagihan akseptasi - 1.686 - 87.590 - - 89.276 Acceptances receivableAset lain-lain - 68.531 4.750 - 21.765 - 95.046 Other assets

Suku bunga variabel Variable interest rateKredit - 430.083 92.459 451.202 1.139.398 578.124 2.691.266 LoansEfek-efek - 50.223 - - - - 50.223 Securities

Suku bunga tetap Fixed interest rateDemand deposits with

Giro pada bank lain - 292.470 - - - - 292.470 other banksPenempatan pada Bank Indonesia Placements with Bank dan bank lain - 1.739.110 148.949 96.464 - - 1.984.523 Indonesia and other banksEfek-efek - 99.973 49.532 78.952 409.401 687.736 1.325.594 SecuritiesKredit - 313.574 118.588 1.051.102 2.697.228 1.122.558 5.303.050 Loans

Jumlah Aset Keuangan - 3.905.048 414.278 1.767.368 4.267.792 2.388.418 12.742.904 Total Financial Assets

Liabilitas Keuangan Financial liabilitiesTanpa suku bunga Non-interest bearing

Liabilities payable Liabilitas segera - 32.018 - - - - 32.018 immediately Liabilitas derivatif - 3.192 384 - - - 3.576 Derivative payables Liabilitas akseptasi - 1.686 - 87.590 - - 89.276 Acceptances payable Biaya yang masih harus dibayar - - - 32.001 - - 32.001 Accruals Liabilitas lain-lain - 7.595 - - - - 7.595 Other liabilities

Suku bunga variabel Variable interest rate Simpanan - 426.322 32.756 53.488 963.085 - 1.475.651 Deposits Simpanan dari bank lain - 304.431 - - - - 304.431 Deposits from other banks

Suku bunga tetap Fixed interest rate Simpanan - 1.504.196 - - 7.359.560 - 8.863.756 Deposits Simpanan dari bank lain - 183.502 15.601 3.281 501 - 202.885 Deposits from other banks Efek yang dijual dengan janji Securities sold with agreements

dibeli kembali - 89.941 - - - - 89.941 to repurchase Biaya yang masih harus dibayar - 18.540 10.218 3.606 - - 32.364 Accruals

Jumlah Liabilitas Keuangan - 2.571.423 58.959 179.966 8.323.146 - 11.133.494 Total Financial Liabilities

Sampai dengan1 bulan/

1 month or less

2016

Jumlah / Total >5 tahun / >5 years

>1 bulan - 3 bulan / >1 month - 3 months

>3 bulan - 12 bulan / >3 months - 12 months

>1 tahun - 5 tahun / >

1 year - 5 years

Lain-lain/Others

Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million

Aset Keuangan Financial AssetsTanpa suku bunga Non-interest bearing

Kas - 108.955 - - - - 108.955 CashDemand deposits with

Giro pada Bank Indonesia - 812.623 - - - - 812.623 Bank IndonesiaTagihan derivatif - 8.241 - - - - 8.241 Derivative receivablesTagihan akseptasi - 2.304 11.551 7.379 - - 21.234 Acceptances receivableAset lain-lain - 60.989 - - 25.457 86.446 Other assets

Suku bunga variabel Variable interest rateKredit - 148.125 408.570 1.144.868 1.827.944 645.174 4.174.681 LoansEfek-efek - - 29.603 - - - 29.603 Securities

Suku bunga tetap Fixed interest rateDemand deposits with

Giro pada bank lain - 1.266.474 - - - - 1.266.474 other banksPenempatan pada Bank Indonesia Placements with Bank dan bank lain - 1.286.772 - 48.482 - - 1.335.254 Indonesia and other banksEfek-efek - - 154.500 49.739 313.443 626.669 1.144.351 SecuritiesKredit - 78.346 158.422 466.456 1.748.486 458.836 2.910.546 Loans

Jumlah Aset Keuangan - 3.772.829 762.646 1.716.924 3.915.330 1.730.679 11.898.408 Total Financial Assets

Sampai dengan1 bulan/

1 month or less

2015

Jumlah / Total >5 tahun / >5 years

>1 bulan - 3 bulan / >1 month - 3 months

>3 bulan - 12 bulan / >3 months - 12 months

>1 tahun - 5 tahun / >

1 year - 5 years

PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 98 -

Lain-lain/Others

Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million

Liabilitas Keuangan Financial liabilitiesTanpa suku bunga Non-interest bearing

Liabilities payable Liabilitas segera - 14.122 - - - - 14.122 immediately Liabilitas derivatif - 3.714 - - - - 3.714 Derivative payables Liabilitas akseptasi - 2.304 11.551 7.379 - - 21.234 Acceptances payable Biaya yang masih harus dibayar - - - 24.115 - - 24.115 Accruals Liabilitas lain-lain - 6.799 - - - - 6.799 Other liabilities

Suku bunga variabel Variable interest rate Simpanan - 1.575.865 - - - - 1.575.865 Deposits Simpanan dari bank lain - 293.179 50 400 - - 293.629 Deposits from other banks

Suku bunga tetap Fixed interest rate Simpanan - 5.551.299 1.987.878 651.485 - - 8.190.662 Deposits Simpanan dari bank lain - 187.512 15.611 3.953 - - 207.076 Deposits from other banks Biaya yang masih harus dibayar - 18.119 16.731 3.900 - - 38.750 Accruals

Jumlah Liabilitas Keuangan - 7.652.913 2.031.821 691.232 - - 10.375.966 Total Financial Liabilities

Sampai dengan1 bulan/

1 month or less

2015

Jumlah / Total >5 tahun / >5 years

>1 bulan - 3 bulan / >1 month - 3 months

>3 bulan - 12 bulan / >3 months - 12 months

>1 tahun - 5 tahun / >

1 year - 5 years

Analisa Jatuh Tempo untuk Liabilitas Keuangan Maturity Analysis for Financial Liabilities

Tabel di bawah menunjukkan arus kas kontraktual tidak terdiskonto dari liabilitas keuangan dan rekening admisnitratif Bank didasarkan pada sisa jatuh tempo kontrak dari tanggal pelaporan.

The tables below show the contractual undiscounted cash flows of the Bank’s financial liabilities and off balance sheet based on the remaining contractual maturity from the reporting date.

Lain-lain/OthersRp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/

Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million Rp MillionLiabilitas keuangan Financial liabilities

Tanpa suku bunga Non-interest bearingLiabilitas segera - 32.018 - - - - 32.018 Liabilities payable immediatelyLiabilitas derivatif - 3.192 384 - - - 3.576 Derivative payablesLiabilitas akseptasi - 1.686 - 87.590 - - 89.276 Acceptances payableBiaya yang masih harus dibayar - - - 32.001 - - 32.001 AccrualsLiabilitas lain-lain 7.595 - - - - - 7.595 Other liabilities

Suku bunga variabel Variable interest rateSimpanan - 1.478.931 - - - - 1.478.931 DepositsSimpanan dari bank lain - 306.174 - - - - 306.174 Deposits from other banks

Suku bunga tetap Fixed interest rate:Simpanan - 5.250.622 2.834.946 791.709 16.940 2.414 8.896.631 DepositsSimpanan dari bank lain - 184.422 15.636 3.285 501 - 203.844 Deposits from other banksEfek yang dijual dengan janji Securities sold with agreements dibeli kembali - 89.941 - - - - 89.941 to repurchase

Sub jumlah 7.595 7.346.986 2.850.966 914.585 17.441 2.414 11.139.987 Sub total

Liabilitas komitmen Commitment liabilitiesFasilitas kredit kepada nasabah

yang belum digunakan - 11.665 14.448 113.870 39.225 50.809 230.017 Unused loan facilities grantedL/C yang irrevocable dan masih Outstanding irrevocable letters

berjalan - 2.950 24.911 - - - 27.861 of credit

Sub jumlah liabilitas komitmen - 14.615 39.359 113.870 39.225 50.809 257.878 Sub total commitment liabilities

Liabilitas kontinjensi Contingent liabilitiesBank garansi yang diterbitkan - 12.971 955 2.776 651 - 17.353 Bank guarantees issued

Jumlah 7.595 7.374.572 2.891.280 1.031.231 57.317 53.223 11.415.218 Total

Sampai dengan1 bulan/

1 month or less

2016

Jumlah / Total>5 tahun / >5

years

>1 bulan - 3 bulan / >1 month - 3 months

>3 bulan - 12 bulan / >3

months - 12 months

>1 tahun - 5 tahun / >1

year - 5 years

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460

PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 99 -

Lain-lain/OthersRp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/

Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million Rp MillionLiabilitas keuangan Financial liabilities

Tanpa suku bunga Non-interest bearingLiabilitas segera - 14.122 - - - - 14.122 Liabilities payable immediatelyLiabilitas derivatif - 3.714 - - - - 3.714 Derivative payablesLiabilitas akseptasi - 2.304 11.551 7.379 - - 21.234 Acceptances payableBiaya yang masih harus dibayar - - - 24.115 - - 24.115 AccrualsLiabilitas lain-lain 6.799 - - - - - 6.799 Other liabilities

Suku bunga variabel Variable interest rateSimpanan - 1.579.322 - - - - 1.579.322 DepositsSimpanan dari bank lain - 294.303 50 400 - - 294.753 Deposits from other banks

Suku bunga tetap Fixed interest rate:Simpanan - 5.569.059 2.004.551 655.373 - - 8.228.983 DepositsSimpanan dari bank lain - 189.272 15.667 3.964 - - 208.903 Deposits from other banks

Sub jumlah 6.799 7.652.096 2.031.819 691.231 - - 10.381.945 Sub total

Liabilitas komitmen Commitment liabilitiesFasilitas kredit kepada nasabah

yang belum digunakan - 40.285 82.553 193.732 33.101 3.692 353.363 Unused loan facilities grantedL/C yang irrevocable dan masih Outstanding irrevocable letters

berjalan - 4.131 15.852 15.382 - - 35.365 of credit

Sub jumlah liabilitas komitmen - 44.416 98.405 209.114 33.101 3.692 388.728 Sub total commitment liabilities

Liabilitas kontinjensi Contingent liabilitiesBank garansi yang diterbitkan - 2.571 3.214 2.710 1.257 - 9.752 Bank guarantees issued

Jumlah 6.799 7.699.083 2.133.438 903.055 34.358 3.692 10.780.425 Total

2015

Sampai dengan1 bulan/

1 month or less

>1 bulan - 3 bulan / >1 month - 3 months

>3 bulan - 12 bulan / >3

months - 12 months

>1 tahun - 5 tahun / >1 year

- 5 years>5 tahun / >5

years Jumlah / Total

Risiko Operasional Risiko operasional adalah potensi timbulnya kerugian sebagai akibat dari kejadian-kejadian yang melibatkan manusia, proses, sistem dan kejadian-kejadian di luar Bank.

Operational Risk Operational risk is the potential for loss resulting from events involving people, processes, systems and external events.

Dalam rangka menjaga pengelolaan risiko Bank, Risk Taking Unit bertanggung jawab atas seluruh risiko yang terjadi di unitnya masing-masing termasuk risiko operasional. Cara pengendalian risiko-risiko tersebut telah diatur melalui kebijakan Bank secara menyeluruh, kebijakan dan prosedur pada masing-masing unit, serta metode-metode pengendalian dan pemantauan yang ada.

In keeping with the Bank’s risk management governance, the Risk Taking Unit are responsible for all the risks within the business, including operational risks. Such risks are managed through Bank-wide policies, risk taking unit specific policies and procedures, controls and monitoring tools.

Manajemen risiko operasional, bekerjasama dengan Risk Taking Unit, telah mengembangkan tiga metode utama untuk membantu mengelola, memantau dan mengikhtisarkan risiko operasional, yaitu:

The operational risk management, working in conjunction with the Risk Taking Unit has developed three key methods to help manage, monitor and summarize operational risks as follows:

1. Risk Control and Self Assessment, yaitu sarana yang digunakan oleh unit-unit kerja untuk mengidentifikasi, mengukur dan merencanakan mitigasi risiko. Metode ini juga digunakan sebagai sarana untuk memperbaiki pemahaman kepada personil kantor cabang akan pentingnya manajemen risiko serta menegaskan bahwa aktivitas mereka akan selalu dipantau oleh manajemen.

1. Risk Control and Self Assessment, which is a medium used by working units to identify, measure and plan to mitigate the risk. This method is also used as a medium to improve the understanding of the branch’s office personnel on the importance of risk management and also affirm that their activities will always be monitored by the management.

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Lain-lain/OthersRp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/ Rp Juta/

Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million Rp MillionLiabilitas keuangan Financial liabilities

Tanpa suku bunga Non-interest bearingLiabilitas segera - 14.122 - - - - 14.122 Liabilities payable immediatelyLiabilitas derivatif - 3.714 - - - - 3.714 Derivative payablesLiabilitas akseptasi - 2.304 11.551 7.379 - - 21.234 Acceptances payableBiaya yang masih harus dibayar - - - 24.115 - - 24.115 AccrualsLiabilitas lain-lain 6.799 - - - - - 6.799 Other liabilities

Suku bunga variabel Variable interest rateSimpanan - 1.579.322 - - - - 1.579.322 DepositsSimpanan dari bank lain - 294.303 50 400 - - 294.753 Deposits from other banks

Suku bunga tetap Fixed interest rate:Simpanan - 5.569.059 2.004.551 655.373 - - 8.228.983 DepositsSimpanan dari bank lain - 189.272 15.667 3.964 - - 208.903 Deposits from other banks

Sub jumlah 6.799 7.652.096 2.031.819 691.231 - - 10.381.945 Sub total

Liabilitas komitmen Commitment liabilitiesFasilitas kredit kepada nasabah

yang belum digunakan - 40.285 82.553 193.732 33.101 3.692 353.363 Unused loan facilities grantedL/C yang irrevocable dan masih Outstanding irrevocable letters

berjalan - 4.131 15.852 15.382 - - 35.365 of credit

Sub jumlah liabilitas komitmen - 44.416 98.405 209.114 33.101 3.692 388.728 Sub total commitment liabilities

Liabilitas kontinjensi Contingent liabilitiesBank garansi yang diterbitkan - 2.571 3.214 2.710 1.257 - 9.752 Bank guarantees issued

Jumlah 6.799 7.699.083 2.133.438 903.055 34.358 3.692 10.780.425 Total

2015

Sampai dengan1 bulan/

1 month or less

>1 bulan - 3 bulan / >1 month - 3 months

>3 bulan - 12 bulan / >3

months - 12 months

>1 tahun - 5 tahun / >1 year

- 5 years>5 tahun / >5

years Jumlah / Total

Risiko Operasional Risiko operasional adalah potensi timbulnya kerugian sebagai akibat dari kejadian-kejadian yang melibatkan manusia, proses, sistem dan kejadian-kejadian di luar Bank.

Operational Risk Operational risk is the potential for loss resulting from events involving people, processes, systems and external events.

Dalam rangka menjaga pengelolaan risiko Bank, Risk Taking Unit bertanggung jawab atas seluruh risiko yang terjadi di unitnya masing-masing termasuk risiko operasional. Cara pengendalian risiko-risiko tersebut telah diatur melalui kebijakan Bank secara menyeluruh, kebijakan dan prosedur pada masing-masing unit, serta metode-metode pengendalian dan pemantauan yang ada.

In keeping with the Bank’s risk management governance, the Risk Taking Unit are responsible for all the risks within the business, including operational risks. Such risks are managed through Bank-wide policies, risk taking unit specific policies and procedures, controls and monitoring tools.

Manajemen risiko operasional, bekerjasama dengan Risk Taking Unit, telah mengembangkan tiga metode utama untuk membantu mengelola, memantau dan mengikhtisarkan risiko operasional, yaitu:

The operational risk management, working in conjunction with the Risk Taking Unit has developed three key methods to help manage, monitor and summarize operational risks as follows:

1. Risk Control and Self Assessment, yaitu sarana yang digunakan oleh unit-unit kerja untuk mengidentifikasi, mengukur dan merencanakan mitigasi risiko. Metode ini juga digunakan sebagai sarana untuk memperbaiki pemahaman kepada personil kantor cabang akan pentingnya manajemen risiko serta menegaskan bahwa aktivitas mereka akan selalu dipantau oleh manajemen.

1. Risk Control and Self Assessment, which is a medium used by working units to identify, measure and plan to mitigate the risk. This method is also used as a medium to improve the understanding of the branch’s office personnel on the importance of risk management and also affirm that their activities will always be monitored by the management.

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DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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2. Loss Event Database, merupakan metode yang digunakan untuk mencatat setiap peristiwa risiko operasional yang menimbulkan dampak finansial secara langsung maupun tidak langsung. Setiap kali Risk Taking Unit mengalami kejadian risiko operasional, maka unit tersebut harus melaporkan dengan menggunakan formulir Laporan Kejadian Risiko Sekitar Kita (LKS). Dari formulir LKS ini akan diketahui tipe risiko yang terjadi, penyebab kejadian tersebut, lokasi (lini bisnis) tempat terjadinya risiko serta besarnya kerugian yang terjadi atau kewajiban hukum yang terjadi serta pemulihan (bila ada). Sarana ini sangat penting untuk memonitor profil risiko operasional secara teratur, serta data yang diperoleh merupakan data utama bila Bank akan mengaplikasikan pendekatan maju (advance) dalam pengukuran kecukupan modal minimumnya.

2. Loss Event Database, a method used to record every event of operational risk with direct and indirect financial impact. Each time the Risk Taking Unit experience operational risk events, the event should be reported using the incident report form, Risk Around Us Incident Report (LKS). Through LKS, the type of the risk, the cause, location (business line), the place it occurred and also the legal obligation together with the recovery time (if any), are indentified. This means it is very important to monitor the operational risk portfolio on a regular basis, and the data obtained is the main data input when the Bank is going to apply the advanced approach (advance) on the minimum adequacy measurement.

3. Key Risk Indicators, yang merupakan

serangkaian parameter pengukuran kuantitatif risiko operasional yang mengindikasikan tingkat risiko pada suatu fungsi/proses/bisnis dengan tujuan agar potensi risiko dapat teridentifikasi melalui analisa dari trend statistic individual, juga melalui pengendalian lingkungan yang tercermin dari data. Diharapkan penyimpangan-penyimpangan dapat teridentifikasi secara dini, serta dapat diperbaiki sebelum permasalahan tersebut berkembang menjadi lebih buruk.

3. Key Risk Indicators, are quantitative operational risk measures that indicate the level of risk in a particular area of a function/process/ business, with the purpose of identifying potential risks through analysis of trend in individual statistics as well as the environment control implied by all data. Any deficiency is identified at an early stage and appropriate remedial action is taken before the issue becomes worse.

Hasil dari penggunaan metode tersebut diatas telah disampaikan kepada departemen dan divisi terkait, senior manajemen, manajemen eksekutif dan Direksi melalui Operational Risk Management Highlight Report, Risk Management Committee (RMC) Meeting dan Risk Oversight Committee (ROC) untuk memantau dan mengantisipasi risiko operasional yang mungkin timbul.

The results from the application of methods above are submitted to the related departments and divisions, senior management, executive management and Directors through Operational Risk Management Highlight Report, Risk Management Committee (RMC) Meeting and Risk Oversight Committee (ROC) to monitor and anticipate the operational risks which may arise.

Risiko Reputasi Risiko reputasi adalah risiko akibat menurunnya tingkat kepercayaan stakeholder yang bersumber dari persepsi negatif terhadap Bank. Risiko ini melekat dalam setiap kegiatan yang dilakukan oleh Bank. Kegagalan Bank dalam menjaga reputasinya dimata masyarakat dapat menimbulkan pandangan maupun persepsi negatif masyarakat terhadap Bank. Apabila risiko ini dihadapi oleh Bank, maka dalam waktu singkat dapat terjadi penurunan atau hilangnya kepercayaan nasabah terhadap Bank yang pada akhirnya akan memberikan dampak negatif terhadap pendapatan dan volume aktivitas Bank.

Reputation Risk Reputation risk is the risk related to the decreasing level of stakeholders’ confidence arising from the negative perception on the Bank. Reputation risk is inherent in every activity conducted by the Bank. The Bank’s failure to protect its reputation in the public’s eye may result in negative view as well as perception by the public towards the Bank. Once the Bank encounters such risk, the Bank may lose the customer’s trust that will ultimately result in a negative impact to the Bank’s income and volume of activities.

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DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Untuk memitigasi risiko reputasi, Bank telah menunjuk divisi corporate secretary untuk melakukan pengamatan terhadap pemberitaan media untuk memantau publikasi negatif atau keluhan nasabah yang muncul di media. Untuk pemberitaan negatif dan keluhan nasabah yang muncul di media selanjutnya dibuatkan klarifikasi dan tanggapan sesuai dengan langkah yang ditempuh Bank. Pemantauan atas keluhan nasabah, Bank memiliki fasilitas seperti call center dan website, sedangkan keluhan yang datang dari cabang Bank diakomodasi dengan sistem CDS (Customer Desk Solution) yang disampaikan langsung ke Bank melalui unit kerja Quality Service untuk kemudian ditindaklanjuti penyelesaiannya.

To mitigate reputation risk, the Bank has appointed the corporate secretary division to monitor the media to check on customer complaints or negative publicity that appeared in the media. In response to negative publicity and customer complaints that appear in the media, the Bank issues clarification as well as responses according to actions taken by the Bank. To monitor customer complaints, Bank has facilities such as call center and website, complaints coming from branches of the Bank are accommodated by CDS (Customer Desk Solution) system delivered directly to the Bank through Quality Service unit until followed up by the related work units.

Risiko Hukum

Risiko hukum adalah risiko akibat tuntutan hukum dan/atau kelemahan aspek yuridis. Kelemahan aspek yuridis tersebut antara lain disebabkan oleh adanya, ketiadaan peraturan perundang-undangan yang mendukung atau kelemahan perikatan seperti tidak dipenuhinya syarat sahnya kontrak dan pengikatan dokumen yang tidak sempurna.

Legal Risk Legal risk is the risk related to legal claims and/or weakness in the legal aspect. Such weakness in legal aspect is caused, among others, by the lack of the supporting legislation or weakness of the contracts such as incomplete requirements for a valid contract and imperfect document contract.

Untuk memitigasi risiko hukum yang mungkin timbul akibat tuntutan hukum atau kelemahan aspek yuridis, Bank memiliki divisi legal untuk memastikan perikatan yang dilakukan oleh Bank telah memenuhi 4 (empat) landasan utama yaitu:

To mitigate the legal risks that may arise from lawsuits or juridical weakness, the Bank has a legal division to ensure engagement made by the Bank has met the 4 (four) main principles, as follows:

1. Kesepakatan, yaitu setiap hubungan

hukum/perikatan yang dilakukan dengan pihak lawan harus berlandaskan adanya kesepakatan dari para pihak.

1. Agreement, legal relationship/engagement undertaken with counterparty must be based on the agreement of both parties.

2. Kecakapan, yaitu kemampuan atau kewenangan bertindak dari para pihak dalam suatu hubungan hukum perikatan.

2. Proficiency, the ability or authority to act of the parties to a legal relationship engagement.

3. Objek perjanjian, yaitu obyek perjanjian hukum yang harus jelas atau spesifik dan realistis.

3. Object of agreement, lawful object that must be clearly defined, specific and realistic.

4. Memiliki causa prima yang sejalan dengan

regulasi, yaitu setiap perjanjian yang dilakukan tidak bertentangan dengan norma kepatutan, kesusilaan dan tidak melanggar ketentuan hukum yang berlaku.

4. Having a lawful prima causal, any agreement must not be in conflict with the norms of property, decency and does not violate the prevailing laws and regulations.

Selain itu, Bank juga memiliki divisi litigasi yang salah satu fungsinya adalah menangani setiap permasalahan hukum yang terkait dengan litigasi agar risiko hukum yang mungkin timbul dapat diminimalisir seminimal mungkin.

In addition, the Bank also has a litigation division, in which one of its functions is to handle every legal case related to litigation so that the possible legal risk can be minimized as possible.

Pengelolaan risiko hukum dilakukan dengan memantau perkembangan kasus-kasus hukum yang terjadi dan mengambil tindakan hukum dari kasus-kasus tersebut. Penanganan kasus hukum yang dilakukan pada Bank senantiasa memperhitungkan potensi kerugian baik atas penyelesaian kasus secara damai ataupun melalui jalur pengadilan. Bank juga memberikan perhatian khusus atas kasus hukum yang berpotensi menimbulkan kerugian secara signifikan.

Management of legal risk is done through monitoring the progress of legal cases that occurred and taking legal action of these cases. Handling legal cases which were undertaken by the Bank involves continually calculating any potential losses on the settlement of the case amicably or through the courts. The Bank also pays special attention to the case law that has potential to cause significant losses.

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PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 101 -

Untuk memitigasi risiko reputasi, Bank telah menunjuk divisi corporate secretary untuk melakukan pengamatan terhadap pemberitaan media untuk memantau publikasi negatif atau keluhan nasabah yang muncul di media. Untuk pemberitaan negatif dan keluhan nasabah yang muncul di media selanjutnya dibuatkan klarifikasi dan tanggapan sesuai dengan langkah yang ditempuh Bank. Pemantauan atas keluhan nasabah, Bank memiliki fasilitas seperti call center dan website, sedangkan keluhan yang datang dari cabang Bank diakomodasi dengan sistem CDS (Customer Desk Solution) yang disampaikan langsung ke Bank melalui unit kerja Quality Service untuk kemudian ditindaklanjuti penyelesaiannya.

To mitigate reputation risk, the Bank has appointed the corporate secretary division to monitor the media to check on customer complaints or negative publicity that appeared in the media. In response to negative publicity and customer complaints that appear in the media, the Bank issues clarification as well as responses according to actions taken by the Bank. To monitor customer complaints, Bank has facilities such as call center and website, complaints coming from branches of the Bank are accommodated by CDS (Customer Desk Solution) system delivered directly to the Bank through Quality Service unit until followed up by the related work units.

Risiko Hukum

Risiko hukum adalah risiko akibat tuntutan hukum dan/atau kelemahan aspek yuridis. Kelemahan aspek yuridis tersebut antara lain disebabkan oleh adanya, ketiadaan peraturan perundang-undangan yang mendukung atau kelemahan perikatan seperti tidak dipenuhinya syarat sahnya kontrak dan pengikatan dokumen yang tidak sempurna.

Legal Risk Legal risk is the risk related to legal claims and/or weakness in the legal aspect. Such weakness in legal aspect is caused, among others, by the lack of the supporting legislation or weakness of the contracts such as incomplete requirements for a valid contract and imperfect document contract.

Untuk memitigasi risiko hukum yang mungkin timbul akibat tuntutan hukum atau kelemahan aspek yuridis, Bank memiliki divisi legal untuk memastikan perikatan yang dilakukan oleh Bank telah memenuhi 4 (empat) landasan utama yaitu:

To mitigate the legal risks that may arise from lawsuits or juridical weakness, the Bank has a legal division to ensure engagement made by the Bank has met the 4 (four) main principles, as follows:

1. Kesepakatan, yaitu setiap hubungan

hukum/perikatan yang dilakukan dengan pihak lawan harus berlandaskan adanya kesepakatan dari para pihak.

1. Agreement, legal relationship/engagement undertaken with counterparty must be based on the agreement of both parties.

2. Kecakapan, yaitu kemampuan atau kewenangan bertindak dari para pihak dalam suatu hubungan hukum perikatan.

2. Proficiency, the ability or authority to act of the parties to a legal relationship engagement.

3. Objek perjanjian, yaitu obyek perjanjian hukum yang harus jelas atau spesifik dan realistis.

3. Object of agreement, lawful object that must be clearly defined, specific and realistic.

4. Memiliki causa prima yang sejalan dengan

regulasi, yaitu setiap perjanjian yang dilakukan tidak bertentangan dengan norma kepatutan, kesusilaan dan tidak melanggar ketentuan hukum yang berlaku.

4. Having a lawful prima causal, any agreement must not be in conflict with the norms of property, decency and does not violate the prevailing laws and regulations.

Selain itu, Bank juga memiliki divisi litigasi yang salah satu fungsinya adalah menangani setiap permasalahan hukum yang terkait dengan litigasi agar risiko hukum yang mungkin timbul dapat diminimalisir seminimal mungkin.

In addition, the Bank also has a litigation division, in which one of its functions is to handle every legal case related to litigation so that the possible legal risk can be minimized as possible.

Pengelolaan risiko hukum dilakukan dengan memantau perkembangan kasus-kasus hukum yang terjadi dan mengambil tindakan hukum dari kasus-kasus tersebut. Penanganan kasus hukum yang dilakukan pada Bank senantiasa memperhitungkan potensi kerugian baik atas penyelesaian kasus secara damai ataupun melalui jalur pengadilan. Bank juga memberikan perhatian khusus atas kasus hukum yang berpotensi menimbulkan kerugian secara signifikan.

Management of legal risk is done through monitoring the progress of legal cases that occurred and taking legal action of these cases. Handling legal cases which were undertaken by the Bank involves continually calculating any potential losses on the settlement of the case amicably or through the courts. The Bank also pays special attention to the case law that has potential to cause significant losses.

PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

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DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

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Risiko Kepatuhan Risiko kepatuhan merupakan risiko akibat Bank tidak mematuhi dan/atau tidak melaksanakan peraturan perundang-undangan. Dalam menjalankan kegiatan usaha pada industri perbankan, Bank diwajibkan untuk selalu tunduk terhadap peraturan perbankan yang diterbitkan baik oleh Pemerintah maupun Bank Indonesia. Selain itu, Bank juga wajib tunduk kepada beberapa ketentuan lainnya, seperti peraturan yang mengatur penjaminan simpanan, perseroan terbatas, perpajakan dan peraturan di bidang pasar modal (Otoritas Jasa Keuangan (“OJK”) (sebelumnya Badan Pengawas Pasar Modal (“BAPEPAM”)) dan Lembaga Keuangan).

Compliance Risk Compliance risk is the risk resulting from the failure of the Bank in fulfilling and/or implementing the prevailing laws and regulations. In engaging in the banking industry services, the Bank is required to always comply with the banking regulations issued by the Government and Bank Indonesia. In addition, the Bank is also required to comply with several other rules, such as regulation on Deposit guarantee program, limited liability company, taxation and capital market (Financial Services Authority (“OJK”) (previously Capital Market and Financial Institutions Supervisory Agency (“BAPEPAM”)) and Financial Institution).

Bank memiliki satuan kerja divisi kepatuhan yang merupakan salah satu divisi satuan kerja kepatuhan dan hukum, dimana satuan kerja kepatuhan dan hukum bertanggung jawab langsung kepada direktur kepatuhan dan manajemen risiko.

The Bank has a Compliance Unit Division which is one of units in Compliance & Legal Group, in which the unit compliance & legal group is directly responsible to the Compliance & Risk Management director.

Tugas utama pada satuan kerja divisi kepatuhan adalah melakukan koordinasi atas pelaksanaan fungsi kepatuhan Bank yaitu :

The main task of the Compliance Unit Division is to coordinate the implementation of the Bank's compliance function:

1. Mewujudkan terlaksananya budaya kepatuhan

pada semua tingkatan organisasi dan kegiatan usaha Bank.

1. Implementation of the culture of compliance at all levels of the organization and business activities of the Bank.

2. Mengelola risiko kepatuhan yang dihadapi oleh

Bank.

2. Management of the compliance risks faced by the Bank.

3. Memastikan agar kebijakan, ketentuan, sistem

dan prosedur serta kegiatan usaha yang dilakukan oleh Bank telah sesuai dengan ketentuan yang berlaku.

3. Ensuring that policies, regulations, systems and procedures and activities undertaken by the Bank is in accordance with applicable regulations.

4. Memastikan kepatuhan Bank terhadap komitmen

yang dibuat oleh Bank kepada otoritas pengawas yang berwenang.

4. Ensuring the Bank’s compliance with the commitments made by the Bank to the supervisory authority.

Bank melakukan mitigasi risiko kepatuhan yang setidaknya meliputi: 1. Sosialisasi Peraturan Bank Indonesia yang baru

diterbitkan melalui media sosialisasi melalui e-mail blast atau compliance news.

2. Membuat checklist pemenuhan ketentuan yang berisi daftar ketentuan yang berlaku untuk digunakan sebagai media kontrol risiko kepatuhan oleh Risk Taking Unit.

3. Memberikan pelatihan tentang pelaksanaan

fungsi kepatuhan Bank dan ketentuan Bank Indonesia kepada karyawan baru, karyawan frontliner, karyawan yang sedang mengikuti pelatihan internal dan juga karyawan di kantor cabang.

The Bank mitigates compliance risk by at least:

1. Disseminating the new Bank Indonesia

Regulations issued through media socialization via e-mail blast or compliance news.

2. Creating a compliance checklist that lists down

the provisions that are applicable for use by the Risk Taking Units to control compliance risk.

3. Providing training on the Bank’s implementation of the compliance function with Bank Indonesia regulatory for new employees, front line employees, employees under internal training and employees in the branch office.

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Risiko Stratejik Strategic Risk Risiko stratejik adalah risiko akibat ketidaktepatan dalam pengambilan dan/atau pelaksanaan suatu keputusan stratejik serta kegagalan dalam mengantisipasi perubahan lingkungan bisnis. Untuk dapat tumbuh dan berkembang menjadi sebuah institusi keuangan terdepan di Indonesia, Bank membutuhkan serangkaian strategi untuk mencapai tujuan tersebut. Ketidakmampuan Bank dalam melakukan penyusunan strategi yang tepat dapat menimbulkan kegagalan bisnis Bank di masa yang akan datang.

Strategic risk is the risk due to inadequacy in deciding and/or implementing a strategic decision as well as the failure in anticipating the changes in the business environment. In order to grow and develop as one of the leading financial institutions in Indonesia, the Bank needs to adopt certain strategies to achieve such goals. Failure in formulating the right strategy may deteriorate the Bank’s business in the future.

Risiko stratejik berhubungan dengan perencanaan strategi yang baik untuk menghindari terjadinya kerugian atau dampak negatif lainnya dari adanya kesalahan dalam pengambilan keputusan yang berpotensi untuk berdampak luas atau berjangka panjang yang kurang baik di dalam organisasi.

Strategic risks are associated with sound strategic planning to avoid losses or other negative impacts resulting from errors in decision making that may have widespread or long-term implications within the organization.

Bank secara berkelanjutan memantau kondisi pasar dan mengumpulkan informasi penting sebagai bahan pertimbangan dalam pengambilan keputusan dan penetapan kebijakan strategi Bank. Seiring dengan pemantauan kondisi pasar tersebut, Bank memiliki portofolio ragam produk yang variatif agar rencana stratejik yang ditetapkan dapat tercapai.

The Bank continuously monitors market conditions and gather important information to be taken into account during the decision-making and Bank’s strategic policy-setting. Along with monitoring market conditions, the Bank also has a diverse portfolio of products and services in order to achieve its strategic plan.

Bank memiliki kebijakan mengidentifikasi dan merespon atas perubahan lingkungan yaitu:

The Bank has a policy to identify and respond to the changes in the external business environment as follows:

1. Analisa lingkungan bisnis Menganalisa faktor internal dan eksternal, menangkap peluang dan tantangan dari perubahan lingkungan bisnis dan menganalisa kelebihan internal dan kekurangan.

1. Business environment analysis Analyze internal and external factors, seize opportunities and meet challenges of the changing business environment and analyze internal strengths and weaknesses.

2. Perencanaan Menyusun sasaran yang ingin dicapai disesuaikan dengan kompleksitas, profil risiko maupun risk bearing capacity, menetapkan strategi dan direksi menetapkan kebijakan untuk dijadikan dasar keputusan.

2. Plannings Set goals to be achieved tailored to the complexity of business, risk profile and risk bearing capacity, set the policies and strategies on which to base subsequent decisions.

3. Implementasi Mengalokasikan sumber daya berupa keuangan maupun manusia, menyelesaikan program kerja, dan komitmen Direksi untuk mengalokasikan sumber daya yang dibutuhkan.

3. Implementation Allocated necessary resources, financial and human capital, complete work programs, and the commitment of Board of Directors to allocate the resources needed.

4. Evaluasi

Evaluasi terhadap kondisi aktual dengan apa yang telah direncanakan, dan melakukan corrective action untuk perbaikan.

4. Evaluation

Evaluation of the actual condition of what has been planned, and corrective actions for improvement.

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PT Bank MnC InTernasIonal TBk | laPoran TaHUnan 2016 annUal rePorT

465

PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 103 -

Risiko Stratejik Strategic Risk Risiko stratejik adalah risiko akibat ketidaktepatan dalam pengambilan dan/atau pelaksanaan suatu keputusan stratejik serta kegagalan dalam mengantisipasi perubahan lingkungan bisnis. Untuk dapat tumbuh dan berkembang menjadi sebuah institusi keuangan terdepan di Indonesia, Bank membutuhkan serangkaian strategi untuk mencapai tujuan tersebut. Ketidakmampuan Bank dalam melakukan penyusunan strategi yang tepat dapat menimbulkan kegagalan bisnis Bank di masa yang akan datang.

Strategic risk is the risk due to inadequacy in deciding and/or implementing a strategic decision as well as the failure in anticipating the changes in the business environment. In order to grow and develop as one of the leading financial institutions in Indonesia, the Bank needs to adopt certain strategies to achieve such goals. Failure in formulating the right strategy may deteriorate the Bank’s business in the future.

Risiko stratejik berhubungan dengan perencanaan strategi yang baik untuk menghindari terjadinya kerugian atau dampak negatif lainnya dari adanya kesalahan dalam pengambilan keputusan yang berpotensi untuk berdampak luas atau berjangka panjang yang kurang baik di dalam organisasi.

Strategic risks are associated with sound strategic planning to avoid losses or other negative impacts resulting from errors in decision making that may have widespread or long-term implications within the organization.

Bank secara berkelanjutan memantau kondisi pasar dan mengumpulkan informasi penting sebagai bahan pertimbangan dalam pengambilan keputusan dan penetapan kebijakan strategi Bank. Seiring dengan pemantauan kondisi pasar tersebut, Bank memiliki portofolio ragam produk yang variatif agar rencana stratejik yang ditetapkan dapat tercapai.

The Bank continuously monitors market conditions and gather important information to be taken into account during the decision-making and Bank’s strategic policy-setting. Along with monitoring market conditions, the Bank also has a diverse portfolio of products and services in order to achieve its strategic plan.

Bank memiliki kebijakan mengidentifikasi dan merespon atas perubahan lingkungan yaitu:

The Bank has a policy to identify and respond to the changes in the external business environment as follows:

1. Analisa lingkungan bisnis Menganalisa faktor internal dan eksternal, menangkap peluang dan tantangan dari perubahan lingkungan bisnis dan menganalisa kelebihan internal dan kekurangan.

1. Business environment analysis Analyze internal and external factors, seize opportunities and meet challenges of the changing business environment and analyze internal strengths and weaknesses.

2. Perencanaan Menyusun sasaran yang ingin dicapai disesuaikan dengan kompleksitas, profil risiko maupun risk bearing capacity, menetapkan strategi dan direksi menetapkan kebijakan untuk dijadikan dasar keputusan.

2. Plannings Set goals to be achieved tailored to the complexity of business, risk profile and risk bearing capacity, set the policies and strategies on which to base subsequent decisions.

3. Implementasi Mengalokasikan sumber daya berupa keuangan maupun manusia, menyelesaikan program kerja, dan komitmen Direksi untuk mengalokasikan sumber daya yang dibutuhkan.

3. Implementation Allocated necessary resources, financial and human capital, complete work programs, and the commitment of Board of Directors to allocate the resources needed.

4. Evaluasi

Evaluasi terhadap kondisi aktual dengan apa yang telah direncanakan, dan melakukan corrective action untuk perbaikan.

4. Evaluation

Evaluation of the actual condition of what has been planned, and corrective actions for improvement.

PT BANK MNC INTERNASIONAL TBK CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 DAN 2015 DAN UNTUK TAHUN-TAHUN YANG BERAKHIR PADA TANGGAL TERSEBUT (Lanjutan)

PT BANK MNC INTERNASIONAL TBK NOTES TO FINANCIAL STATEMENTS

DECEMBER 31, 2016 AND 2015 AND FOR THE YEARS THEN ENDED (Continued)

- 104 -

Secara triwulanan melalui pengukuran profil risiko, Bank melakukan pengukuran risiko stratejik dengan menggunakan indikator atau parameter berupa tingkat kompleksitas strategi bisnis Bank, posisi bisnis Bank di industri perbankan, pencapaian rencana bisnis, dan kesesuaian strategi dengan kondisi lingkungan bisnis.

On a quarterly basis through the risk profile assessment, the Bank measures strategic risk using indicators or parameters such as the level of complexity of the business strategy of the Bank, the Bank's business position in the banking industry, the achievement of the business plan, strategy and compliance with the conditions of the business environment.

45. PERISTIWA SETELAH PERIODE PELAPORAN 45. EVENTS AFTER THE REPORTING PERIOD Pada tanggal 6 Januari 2017 dan 2 Maret 2017 terdapat surat perbendaharaan negara yang diklasifikasikan dalam kategori tersedia untuk dijual dengan nilai nominal masing-masing sebesar Rp 100.000 juta dan Rp 50.000 juta yang telah jatuh tempo dan dilunasi seluruhnya.

On January 6, 2017 and March 2, 2017, government treasury bill which is classified as available-for-sale securities with nominal value Rp 100.000 million and Rp 50.000 million, respectively, has matured and has been settled.

46. TANGGUNG JAWAB MANAJEMEN DAN PERSETUJUAN LAPORAN KEUANGAN

46. MANAGEMENT RESPONSIBILITY AND APPROVAL OF FINANCIAL STATEMENTS

Penyusunan dan penyajian wajar laporan keuangan dari halaman 1 sampai dengan 104 merupakan tanggung jawab manajemen, dan telah disetujui oleh Direksi untuk diterbitkan pada tanggal 2 Maret 2017.

The preparation and fair presentation of the financial statements on pages 1 to 104 are the responsibilities of the management and, are approved and authorized for issue by the Directors on March 2, 2017.

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Powering GrowthToward Excellent Execution

Laporan Tahunan 2016 Annual Report

PT Bank MNC Internasional Tbk

Gedung MNC Financial Center Lantai 6, 7, 8

Jl. Kebon Sirih Raya no.27

Jakarta Pusat 10340

Tel. (021) 2980 5555- Fax. (021) 3983 6700

Telex. 65068 JKTBPIA - Swift: BUMIIDJA

website: www.mncbank.co.id