PRESS RELEASE No.007/CA/BSS/XI/2014

Bank Sampoerna's Asset Has Grown by 30%

At the end of the third quarter of 2014, Bank Sampoerna has managed to maintain growth in asset value by 30% to Rp.3.03 trillion from Rp.2.33 trillion in the same period in 2013. Such increase was mainly contributed by the growth of disbursed loan by 18% or Rp.2.19 trillion at the end of the third quarter of 2014 from Rp.1.85 trillion in the same period last year. Out of the total loan portfolio, 63% is channeled to SMEs, another evidence of Bank Sampoerna's commitment to support the empowerment of MSME entrepreneurs. Third party funds already collected up to the end of the third quarter of 2014, on the other hand, increased by 31% to Rp.2.42 trillion from Rp.1.85 trillion in the same period in 2013. This increase is contributed to the rise in Time Deposits account by 33% from Rp.1.57 trillion in the same period in 2013 to Rp 2.09 trillion. Whereas another upward trend of savings and current accounts have also begun to appear, although not yet optimum. This reflects the increasing level of public confidence to Bank Sampoerna in maintaining a good performance over the year. Bank Sampoerna also recorded a net profit after tax of Rp.9.95 billion, a 22% decrease compared to the same period from previous year amounted to Rp 12.78 billion due to an increase in interest expense by 94% from Rp.85.65 billion in 2013 to Rp.166.32 billion in 2014. This in turn also affects the decreasing Net Interest Margin/NIM from 4.82% to 3.98% at the end of the third quarter of 2014. The slowdown in economic growth has been one of the triggers for this achievement. In addition to that, up to 2014, Bank Sampoerna is still engaged in investment stage by improving the infrastructure and human resources to support higher achievement. "We believe Bank Sampoerna will be in a good position to improve the performance, by adjusting the focus from SMEs to Emerging SMEs and also by increasing cooperation with Koperasi Binaan Sahabat UKM in order to increase the yield," Ali Rukmijah, the President Director of Bank Sampoerna said. The Bank's Director of Finance, Agresius Kadiaman also added that from the financial ratios aspect in general the Bank is now at a good position. Whereas the Non Performing Loan (NPL) has been maintained at 2.85%, well below the maximum regulatory limit of 5% as set by Bank , the Bank's Capital Adequacy Ratio (CAR) has also increased to 20.70%, whereas the ROA & ROE are now at a level of 0.63% and 2.93%, respectively. At present, Bank Sampoerna has 13 branch offices of network located in several major cities in Indonesia, including , , , , , , and , supported by a network of the cooperative partners under Koperasi Binaan Sahabat UKM which has 118 branches located in , Java, Kalimantan and Sulawesi. For better convenience of the customers, Bank Sampoerna's current network services of ATM is now connected to ATM PRIMA network, which operates more than 74,000 ATMs across Indonesia.

And in the near future the Bank plans to extend the access to e-channel services in Bank Sampoerna Internet Banking. Bank Sampoerna is currently supported by two major groups, namely the Sampoerna Group through PT Sampoerna Investama with 81% ownership and the Alfa Group through PT Cakrawala Mulia Prima of 18% ownership and 1% owned by Mr. Ekadharmajanto Kasih. Commitment of the Shareholders has been evident not only in the form of financing and capital, but also by promoting the Bank's brand value, knowledge and skills; all of these has given Bank Sahabat Sampoerna an opportunity to maintain sustainable growth and the ability to contribute significantly in the development of Micro and SME sectors. This is well aligned with the Bank's philosophy of "empowerment grows strength" as concluded by Ali Rukmijah.

For more information please contact: Arif Wiryawan Head of Corporate Affairs Division Telp. (021) 579 51515 ; Fax (021) 579 50623 HP 0811997830 Email : [email protected]

FINANCIAL HIGHLIGHT Q3 2014POST Sep-14 Sep-13 Volume Up/Down Up/Down (%)

Total Asset 3,027,004 2,332,228 694,776 29.79 Loans Disbursed 2,193,723 1,846,762 346,961 18.79% Third Party Funds 2,421,525 1,855,763 565,762 30.49% - Giro 241,764 239,747 2,017 0.84% - Saving Account 93,429 41,033 52,396 127.69% - Deposit Account 2,086,332 1,574,983 511,349 32.47%

Interest Net Revenue (Expense) 82,239 68,697 13,542 Other Operational Revenue (Expense) (69,053) (50,718) (18,335) Operational Profit 13,186 17,979 (4,793) Current Year Profit Before Tax 13,261 18,080 (4,819) Current Year Profit After Tax 9,947 12,782 RATIOs CAR 20,70% 20,61% NPL Net 2,85 1,43% ROA 0,63 1,23% ROE 2,93 4,97% NIM 3,98 4,82% LDR 87,92 97,72% BOPO 95,01 89,70% Prepared By Reviewed By Acknowledged By

PRIHANTORO YOEL GENNEDY ARIF WIRYAWAN Media Rel & CSR Head Corp.Planning GH Corp Affairs Div Head

Approved By

AGRESIUS R KADIAMAN ALI RUKMIJAH Finance Director President Director