CLA KPI BOD May

FIF GROUP
Financial Highlight #1
March-16 Audited
Description Dec-15
Honda Credit Sales (AHM) unit 2,918,486
Honda Sales ( AHM ) unit 4,453,198
Contract in Unit :
- NMC unit 1,427,710
- UMC Reguler unit 76,160
- UMC Financing unit 841,263
- MPF unit 797,846
- New Car unit 1,030
- Used Car unit 7,997
Total Contract in Unit unit 3,152,006
Motor - New / Honda Credit Sales (AHM) % 48.9%
Motor - New / Honda Sales ( AHM ) % 32.1%
Amount Contract Value :
- NMC Rp. 19,489,762
- UMC Reguler Rp. 750,445
- UMC Financing Rp. 5,124,222
- MPF Rp. 2,797,432
- New Car Rp. 150,032
- Used Car Rp. 500,258
Total Amount Contract Value Rp. 28,812,151
WAR NMC % 29.4%

WAR UMC Reguler % 34.3%
WAR UMC Financing % 40.8%
WAR MPF % 59.9%
WAR New Car % 15.4%
WAR Used Car % 19.8%
Average WAR % 34.27%
COF % 9.71%
Spread % 24.6%
Write off 705,561
FIF GROUP
Financial Highlight #2 12
March-16 Audited
Description Dec-15
Outstanding Account unit 4,511,029
A/R Quality :
Net Service Asset ( Principal ) Rp. 33,589,962
Balance overdue 1 - 30 days Rp. 1,369,266
Balance overdue 31 - 60 days Rp. 437,097
Balance overdue > 90 days Rp. 231,145
Balance overdue 1 - 30 days % 4.08%
Balance overdue > 90 days % 0.69%
Beginning Stock unit 5,293

In Stock unit 119,824
Sold Stock unit 117,946
Ending Stock unit 7,171
Total Borrowing Rp. 21,692,104

Other Liabilities Rp. 1,719,223
Equity Rp. 6,239,490
Total Asset Rp. 29,650,817
Net Profit After Tax Rp. 1,580,468
Total Expense to ASA - Rolling Average % 9.2%

Marketing exp to ASA - rolling average % 2.6%
Employee exp to ASA - rolling average % 4.1%
Others exp to ASA - rolling average % 2.5%
Productivity 265
OPM (Operating Profit / Total Revenue) % 35.5%
NPM (NPAT / Total Revenue) % 18.7%
DER excl. JF (Borrowing / Net Worth) 3.5
DER incl. JF (Borrowing + JF / Net Worth) 4.4
ROE (NPAT / Equity) % 25.3%
ROA (NPAT / Asset) % 5.3%
EPS (NPAT / Total Shares) - Annualized Rp. 5,643
# of Employee 17,034
USD/IDR 13,795
# of Branches 194
# of Outlets 430
FIF GROUP
Statements of Income 12
March-16 Audited
Description Dec-15
Revenue
Consumer financing - Gross Rp. 10,927,056
Consumer financing - JF Rp. (718,640)
Dealer Incentive Amortization Rp. (2,771,817)
Consumer financing - net Rp. 7,436,599
Administration Income Rp. 1,026,751
TOTAL OPERATING REVENUE Rp. 8,463,350
Interest and financial charges Rp. 2,113,030
GROSS PROFIT Rp. 6,350,321
Operating expenses Rp. 2,412,351

Marketing expenses Rp. 936,653
OPERATING PROFIT Rp. 3,001,317
Other income (expense)

Interest & penalty income Rp. 194,243
Allowance for doubtful accounts Rp. (745,230)
Gain/(loss) on repossessed asset Rp. (466,845)
Other income (expense) Rp. 152,437
Total other income (expense) Rp. (865,395)
INCOME BEFORE TAX Rp. 2,135,922
Income tax expense

Current tax Rp. 502,410
Provision for income tax Rp. 53,044
Total provision for income tax Rp. 555,454
NET INCOME Rp. 1,580,468
Retained Earning Beginning 4,543,803
Dividend 609,189
Adjustment Retained Earning (586)
RETAINED EARNING ENDING 5,515,669
FIF GROUP
Supplementary IS 12
March-16 Audited
Description Dec-15
Statements of Income
Loan interest expenses Rp. 520,316

JF interest expenses Rp. 0
Bonds interest expenses Rp. 489,496
Bonds issuance expenses Rp. 9,541
Swap Cost Rp. 879,806
Forex differential Rp. 1,038
Bank charges Rp. 212,833
Penalty income Rp. 147,133

Time deposits Rp. 0
Current accounts Rp. 47,110
Mutual fund Rp. 0
Recovery of written-off receivables Rp. 132,817

Gain on sale of fixed assets Rp. 48
Discount Insurance Rp. 19
Others Rp. 19,553
Other income-net Rp. 152,437
FIF GROUP
Operating Expenses 12
March-16 Audited
Description Dec-15
Employee compensation Rp. 1,388,740
Employee benefit KEPMEN 150 Rp. 14,802
Wages Rp. 16,111
Employee welfare Rp. 48,315
People Development & CopPlan Review Rp. 27,781
Recruitment Rp. 7,183
EMPLOYEE EXPENSES Rp. 1,502,932
Advertising and promotion Rp. 773,175
PGC incentives Rp. 26,764
Taxes and licenses Marketing Rp. 136,714
MARKETING EXPENSES Rp. 936,653
Rent Rp. 190,315
Depreciation Rp. 117,511
Communications Rp. 105,080
Repairs and maintenance Rp. 95,843
Office supplies Rp. 60,260
Professional fee Rp. 193,522
Tax and Licenses Non-Marketing Rp. 37,725
Insurance Rp. 5,610
Travelling Rp. 61,988
Representation and entertainment Rp. 6,657
Electricity, water and gas Rp. 29,629
Donation and contribution Rp. 4,583
Beban extra ordinary Rp. 697
OTHERS EXPENSES Rp. 909,419
TOTAL EXPENSES Rp. 3,349,004
FIF GROUP
Balance Sheets 12
March-16 Audited
Description Dec-15
ASSETS
Cash and cash equivalents Rp. 209,851
Consumer financing receivables : Rp.

- Consumer financing receivables - gross Rp. 42,918,768
- Joint financing receivables - gross Rp. (5,997,528)
- Unearned income on consumer financing Rp. (8,807,248)
- Allowance for doubtful accounts Rp. (1,593,287)
Consumer financing receivables - net Rp. 26,520,705
Other receivables Rp. 85,613
Derivative receivables Rp. 1,659,457
Prepaid tax Rp. 2,228
Prepaid expenses Rp. 444,551
Deferred tax assets Rp. 115,939
Fixed assets - net Rp. 547,589
Repossessed assets - net Rp. 64,884
Other assets Rp. 0
Total Other Assets Rp. 2,920,262
TOTAL ASSETS Rp. 29,650,817
LIABILITIES AND EQUITY

Liabilities
Overdraft Rp.
Other payables Rp. 483,789
Derivative Payables Rp. 0
Insurance premium payables Rp. 519,667
Accrued Expenses Rp. 553,425
Taxes payable Rp. 162,342
Bank loans Rp. 14,770,411
FIF Bonds Rp. 6,921,693
JF payable Rp. 0
Total Liabilities Rp. 23,411,327
Equity
Share capital Rp. 630,000
Retained Earnings Rp. 5,609,490
Total Equity Rp. 6,239,490
TOTAL LIABILITIES AND EQUITY Rp. 29,650,817
Repossessed assets Rp. 107,302

Allowance Repossessed assets Rp. (42,417)
Fixed assets Rp. 1,181,604

Depreciation of Fixed assets Rp. (634,015)
Net book value Rp. 547,589
FIF GROUP
Detail Perhitungan Provision - NSA OWN RISK #1 12
March-16 Audited
Description Dec-15
Account Receivables
Provision :
Total Rp. 1,593,287
AR own risk :
- NMC Rp. 21,292,211
- MPF Rp. 1,446,067
- New Car Rp. 155,746
Total Rp. 28,113,992
% Provision :
Total % 5.7%
Repossess Asset
Provision :
Total Rp. 42,417
Repossess Asset :
- NMC Rp. 75,732
- UMC Financing Rp. 6,774
- MPF Rp. 11,104
- New Car Rp. 840
Total Rp. 107,302
% Provision :
Total % 39.5%
Total % 5.8%
FIF GROUP
March-16 Audited
Description Dec-15
Net Losses
Loss on Repo (LOR) Rp. 457,105
Write off Rp. 705,561
Recovery Income Rp. (132,817)
Net Losses Rp. 1,029,849
NSA-1 Rp. 28,113,992
RA Rp. 107,302
ASA-1 + ARA 26,606,193

LOR / ASA-1 + ARA 1.7%
Write off / ASA-1 + ARA 2.7%
Recovery Income / / ASA-1 + ARA -0.5%
Net Losses FIF / ASA-1 + ARA 3.87%
Surplus (defisit) of provision [ASA-1+ARA] 1.93%

Projected Net Losses (YTD) 1,339,251
Provision / NSA-1 & RA 5.8%
% Projected Net Losses / NSA-1 & RA 4.7%
Surplus (deficit) of provision 1.1%
FIF GROUP
Detail Perhitungan Provision - NSA ALL #1 12
March-16 Audited
Description Dec-15
AR - ALL :
- NMC Rp. 26,645,426
- MPF Rp. 1,446,067
- New Car Rp. 193,622
Total Rp. 33,589,962
3
YTD 2016
Jan-16 Feb-16 Mar-16 Mar-16
234,633 202,347 211,401 648,381
355,592 311,783 325,233 992,608
117,447 97,947 103,874 319,268

5,428 4,892 5,044 15,364
75,574 78,267 87,132 240,973
65,521 56,094 65,575 187,190
87 63 82 232
532 606 730 1,868
264,589 237,869 262,437 764,895
50.1% 48.4% 49.1% 49.2%
33.0% 31.4% 31.9% 32.2%
1,664,468 1,386,966 1,488,180 4,539,614

53,957 48,927 50,466 153,351
466,520 482,306 544,733 1,493,559
234,779 206,502 249,729 691,009
14,070 10,640 13,229 37,939
33,247 38,482 42,365 114,094
2,467,041 2,173,823 2,388,701 7,029,565
30.0% 29.8% 29.5% 29.7%

34.6% 34.5% 34.6% 34.6%
41.0% 41.4% 41.5% 41.3%
60.2% 59.7% 58.5% 59.4%
15.0% 14.6% 14.4% 14.7%
18.7% 18.9% 19.3% 19.0%
34.78% 35.03% 35.10% 34.97%
9.63% 9.50% 9.25% 9.5%
25.1% 25.5% 25.9% 25.5%
61,694 62,157 62,391 186,243
3
YTD 2016
4,530,081 4,520,675 4,521,817 4,521,817
33,779,976 33,676,918 33,662,274 33,662,274

1,412,565 1,599,654 1,585,547 1,585,547
405,318 434,432 442,497 442,497
251,128 240,258 243,520 243,520
233,857 233,144 233,042 233,042
484,985 473,402 476,562 476,562
4.18% 4.75% 4.71% 4.71%
1.20% 1.29% 1.31% 1.31%
0.74% 0.71% 0.72% 0.72%
0.69% 0.69% 0.69% 0.69%
1.44% 1.41% 1.42% 1.42%
7,171 7,857 7,334 7,171

9,937 9,021 9,905 28,863
9,251 9,544 9,644 28,439
7,857 7,334 7,595 7,595
21,790,822 20,812,235 20,535,811 20,535,811

1,825,231 1,910,874 2,050,742 2,050,742
6,262,728 6,445,591 6,449,575 6,449,575
29,878,781 29,168,700 29,036,128 29,036,128
137,501 135,834 137,621 December--3741 410,956
9.3% 9.3% 9.4% 9.3%

2.5% 2.5% 2.5% 2.5%
4.4% 4.5% 4.6% 4.5%
2.4% 2.4% 2.4% 2.3%
262 259 258 258
36.0% 35.4% 36.4% 35.9%
19.2% 19.4% 19.1% 19.2%
3.5 3.2 3.2 3.2
4.4 4.1 4.1 4.1
26.3% 25.3% 25.6% 25.5%
5.5% 5.6% 5.7% 5.7%
5,891 5,819 5,896 5,869
17,282 17,436 17,548 17,548
13,846 13,395 13,276 13,276
194 194 194 194
435 435 423 423
3
YTD 2016
913,269 895,945 915,279 2,724,494

(60,529) (59,026) (68,789) (188,344)
(215,948) (210,604) (211,004) (637,556)
636,792 626,315 635,486 1,898,594
80,515 73,755 84,210 238,481
717,307 700,070 719,697 2,137,075
172,436 165,970 164,520 502,927
544,871 534,100 555,177 1,634,148
208,574 211,748 215,192 635,515

77,832 74,575 78,304 230,711
258,466 247,777 261,681 767,923
14,864 13,336 15,667 43,868

(62,038) (52,061) (67,785) (181,885)
(39,621) (37,721) (39,410) (116,751)
11,894 10,374 12,255 34,523
(74,901) (66,072) (79,273) (220,246)
183,565 181,704 182,407 547,677
32,209 51,471 60,340 144,020

13,855 (5,601) (15,554) (7,299)
46,064 45,870 44,786 136,721
137,501 135,834 137,621 410,956
5,515,669 5,653,170 5,789,282 5,515,669
0 0 0 0
0 (278) 0 (278)
5,653,170 5,789,282 5,926,903 5,926,903
3
YTD 2016
52,496 53,414 52,710 158,619

0 0 0 0
54,165 49,265 51,351 154,780
1,011 953 1,197 3,161
47,465 44,354 41,324 133,143
31 (64) (17) (50)
17,270 18,049 17,955 53,274
172,436 165,970 164,520 502,927
12,700 10,290 13,065 36,054

0 0 0 0
2,165 3,046 2,603 7,813
0 0 0 0
14,864 13,336 15,667 43,868
11,203 10,017 11,802 33,023

9 2 0 12
19 32 1 53
662 322 451 1,435
11,894 10,374 12,255 34,523
3
YTD 2016
127,460 132,195 134,735 394,390
0 1,457 1,457 2,914
2,340 2,558 2,548 7,447
4,639 1,191 1,645 7,475
1,064 498 685 2,247
821 601 676 2,098
136,324 138,500 141,746 416,571
57,686 54,392 59,090 171,168
1,684 522 98 2,304
18,462 19,661 19,116 57,239
77,832 74,575 78,304 230,711
16,306 16,851 15,637 48,794
10,583 10,692 10,830 32,104
8,462 8,882 9,029 26,373
8,623 8,800 9,163 26,587
5,606 5,290 4,554 15,451
12,136 12,482 12,831 37,448
1,678 1,456 1,616 4,750
436 164 1,167 1,767
4,951 5,166 5,173 15,291
522 673 651 1,847
2,666 2,508 2,392 7,565
281 274 332 887
0 10 71 82
72,249 73,249 73,446 218,944
286,406 286,324 293,496 866,225
3
YTD 2016
537,910 453,693 635,051 635,051
43,091,347 42,890,748 42,748,761 42,748,761

(6,169,851) (6,236,128) (6,335,767) (6,335,767)
(8,776,622) (8,668,732) (8,535,196) (8,535,196)
(1,593,631) (1,583,536) (1,588,930) (1,588,930)
26,551,242 26,402,351 26,288,868 26,288,868
92,722 91,257 93,441 93,441
1,480,481 1,029,756 773,359 773,359
1,754 2,549 2,620 2,620
460,524 453,627 450,327 450,327
140,171 130,096 190,195 190,195
543,764 540,034 533,830 533,830
70,214 65,337 68,436 68,436
0 0 0 0
2,789,629 2,312,656 2,112,209 2,112,209
29,878,781 29,168,700 29,036,128 29,036,128
498,369 412,411 454,645 454,645

0 14,211 47,877 47,877
545,733 541,221 537,885 537,885
632,108 764,301 816,851 816,851
149,021 178,729 193,484 193,484
14,868,118 13,888,578 15,300,958 15,300,958
6,922,704 6,923,657 5,234,854 5,234,854
0 0 0 0
23,616,053 22,723,109 22,586,553 22,586,553
630,000 630,000 630,000 630,000

5,632,728 5,815,591 5,819,575 5,819,575
6,262,728 6,445,591 6,449,575 6,449,575
29,878,781 29,168,700 29,036,128 29,036,128
116,238 111,744 116,681 116,681

(46,024) (46,407) (48,244) (48,244)
70,214 65,337 68,436 68,436
1,188,119 1,195,080 1,199,706 1,199,706

(644,356) (655,046) (665,876) (665,876)
543,764 540,034 533,830 533,830
3
YTD 2016
1,593,631 1,583,536 1,588,930 1,588,930
21,233,868 21,030,338 20,781,802 20,781,802

889,491 879,463 867,219 867,219
3,877,888 3,943,145 4,059,747 4,059,747
1,466,481 1,442,463 1,462,253 1,462,253
161,323 163,862 167,905 167,905
515,822 526,616 538,871 538,871
28,144,873 27,985,887 27,877,798 27,877,798
5.66% 5.66% 5.70% 5.70%
46,024 46,407 48,244 48,244
82,302 77,270 82,247 82,247

5,513 5,171 5,277 5,277
6,925 6,941 6,708 6,708
12,268 12,641 12,591 12,591
1,039 1,242 1,593 1,593
8,190 8,478 8,265 8,265
116,238 111,744 116,681 116,681
39.6% 41.5% 41.3% 41.3%
5.8% 5.8% 5.8% 5.8%
3
YTD 2016
36,014 37,337 37,573 110,924

61,694 62,157 62,391 186,243
(11,203) (10,017) (11,802) (33,023)
86,505 89,477 88,162 264,144
28,144,873 27,985,887 27,877,798 27,877,798
116,238 111,744 116,681 116,681
26,817,199 27,001,721 27,183,891 27,183,891

1.6% 1.7% 1.7% 1.6%
2.8% 2.8% 2.8% 2.7%
-0.5% -0.4% -0.5% -0.5%
3.87% 3.98% 3.89% 3.89%
1.93% 1.82% 1.96% 1.96%

1,342,403 1,334,637 1,329,738 1,329,738
5.8% 5.8% 5.8% 5.8%
4.7% 4.8% 4.7% 4.7%
1.1% 1.1% 1.1% 1.1%
3
YTD 2016
26,752,644 26,609,924 26,458,120 26,458,120

925,894 915,256 904,678 904,678
3,877,888 3,943,145 4,059,747 4,059,747
1,466,481 1,442,463 1,462,253 1,462,253
197,980 199,204 201,393 201,393
559,089 566,927 576,082 576,082
33,779,976 33,676,918 33,662,274 33,662,274
3 3 12
YTD Projection YTD Full Year
MB 2016 Mar-15 MB 2016
675,457 661,990 2,873,475
1,047,221 1,007,916 4,455,000
324,241 312,830 1,379,361

11,395 17,317 48,000
188,803 199,513 900,000
188,036 189,960 863,558
341 327 1,451
3,503 1,811 16,898
716,319 721,758 3,209,268
48.0% 47.3% 48.0%
31.0% 31.0% 31.0%
4,474,532 4,024,773 19,035,183

103,697 167,032 436,800
1,095,056 1,203,080 5,220,000
653,236 648,223 3,000,000
46,615 45,252 198,361
212,293 118,919 1,024,152
6,585,428 6,207,278 28,914,496
29.0% 29.6% 29.0%

34.0% 33.7% 34.0%
39.0% 41.0% 39.0%
57.0% 59.6% 57.0%
14.5% 15.7% 14.5%
18.0% 19.5% 18.0%
33.06% 34.79% 33.30%
11.0% 9.8% 11.0%
22.1% 25.0% 22.3%
188,036 167,037 768,463
3 3 12
MB 2016 Mar-15 MB 2016
4,312,006
33,326,497 30,765,785 35,312,535

1,357,492
475,771
218,125
231,055
449,180
4.41%
1.55%
0.71%
0.75%
1.46%
5,293
30,372
28,929
6,736
20,955,369 20,015,814 22,067,597

1,923,096 1,777,072 1,923,096
6,516,584 5,482,002 6,995,563
29,395,050 27,274,888 30,986,256
381,399 332,495 1,650,053
9.7% 10.3% 9.4%

2.5% 2.7% 2.5%
4.7% 4.5% 4.4%
2.5% 3.0% 2.5%
269
34.4% 30.4% 35.0%
18.2% 17.2% 17.9%
3.2 3.7 3.2
3.9 4.6 4.1
23.4% 24.3% 23.6%
5.2% 4.9% 5.3%
5,447 4,748 5,891
16,030
14,500 13,084 14,500
187
414
3 3 12
MB 2016 Mar-15 MB 2016
2,673,759 2,628,005 11,626,436

(181,815) (173,159) (819,242)
(675,290) (748,740) (2,804,295)
1,816,654 1,706,106 8,002,899
277,263 231,236 1,221,100
2,093,918 1,937,342 9,223,999
472,724 500,621 2,292,490
1,621,193 1,436,721 6,931,508
671,771 625,026 2,718,735

229,459 222,595 981,587
719,963 589,099 3,231,186
48,033 51,781 188,985

(166,635) (123,233) (834,139)
(128,963) (121,472) (533,154)
36,133 34,167 147,192
(211,432) (158,757) (1,031,115)
508,532 430,342 2,200,071
115,955 64,526 574,566

11,178 33,321 (24,548)
127,133 97,847 550,018
381,399 332,495 1,650,053
5,476,565 4,543,455 5,476,565
150,000 0 939,675
0 (197) 0
5,707,964 4,876,147 6,186,942
3 3 12
MB 2016 Mar-15 MB 2016
116,368 130,998 661,262

0 0 0
154,301 98,987 731,160
2,990 2,077 8,228
135,837 214,038 656,552
0 810 0
63,228 53,712 235,290
472,724 500,621 2,292,490
38,948 40,166 152,400

0 0 0
9,085 11,615 36,585
0 0 0
48,033 51,781 188,985
36,133 32,581 147,192

0 20 0
0 1 0
0 1,564 0
36,133 34,167 147,192
3 3 12
MB 2016 Mar-15 MB 2016
411,564 352,559 1,616,450
6,862 2,576 27,447
3,383 1,799 13,141
7,927 14,087 43,643
4,811 2,118 26,512
1,468 875 5,467
436,016 374,014 1,732,660
189,905 179,986 809,662
7,183 5,586 32,985
32,370 37,024 138,940
229,459 222,595 981,587
56,881 47,069 226,052
32,691 29,180 131,481
26,718 27,519 111,834
21,100 28,246 104,585
15,427 13,875 63,410
50,782 50,916 204,970
4,823 28,740 26,337
1,947 1,220 6,667
15,342 14,027 65,130
1,750 1,691 6,714
7,020 6,938 33,008
1,080 909 4,972
194 681 914
235,755 251,013 986,075
901,230 847,621 3,700,322
3 3 12
MB 2016 Mar-15 MB 2016
366,682 724,286 279,016
42,748,834 39,456,269 45,543,728

(6,356,814) (5,893,814) (6,909,020)
(8,724,629) (8,118,670) (9,299,779)
(1,589,365) (1,509,815) (1,676,442)
26,078,026 23,933,971 27,658,487
80,769 48,422 80,769
1,756,272 1,429,152 1,756,272
1,524 207 1,524
433,805 431,060 433,805
117,732 175,230 153,458
488,213 469,688 550,450
72,028 62,872 72,475
0 0 0
2,950,342 2,616,630 3,048,753
29,395,049 27,274,888 30,986,256
423,052 338,595 423,052

0 16,550 0
520,792 630,340 520,792
808,044 714,631 808,044
171,208 76,955 171,208
15,720,686 15,949,791 16,827,676
5,234,683 4,066,023 5,239,921
0 0 0
22,878,465 21,792,886 23,990,693
630,000 630,000 630,000

5,886,584 4,852,002 6,365,563
6,516,584 5,482,002 6,995,563
29,395,050 27,274,888 30,986,256
121,512 104,333 122,219

(49,484) (41,461) (49,745)
72,028 62,872 72,475
1,155,973 1,016,396 1,317,001

(667,761) (546,708) (766,551)
488,213 469,688 550,450
3 3 12
MB 2016 Mar-15 MB 2016
1,589,365 1,509,815 1,676,442
20,710,873 19,194,573 21,189,622

835,179 840,022 715,607
3,740,621 3,393,339 4,330,023
1,503,645 1,457,830 1,745,977
211,103 155,081 280,860
665,971 402,942 1,072,840
27,667,391 25,443,786 29,334,929
5.7% 5.9% 5.71%
49,484 41,461 47,840
92,449 73,996 96,343

4,519 5,222 2,166
5,717 6,288 4,885
13,659 13,659 13,659
1,048 1,048 1,048
4,119 4,119 4,119
121,512 104,333 122,219
40.7% 39.7% 40.7%
5.9% 6.1% 5.9%
3 3 12
MB 2016 Mar-15 MB 2016
128,876 112,688 532,807

188,036 167,037 768,463
(36,133) (32,581) (147,192)
280,779 247,144 1,154,077
27,667,391 25,443,786 29,334,929
121,512 104,333 122,219
27,086,787 23,974,595 28,521,642

1.9% 1.9% 1.9%
2.8% 2.8% 2.7%
-0.5% -0.5% -0.5%
4.15% 4.12% 4.05%
1.75% 1.95% 1.81%

1,316,499 1,231,879 1,384,486
5.9% 6.1% 5.9%
4.7% 4.8% 4.7%
1.2% 1.3% 1.2%
3 3 12
MB 2016 Mar-15 MB 2016
26,308,864 24,436,339 27,106,113

878,413 900,231 758,841
3,740,621 3,393,339 4,330,023
1,503,645 1,457,830 1,745,977
228,434 174,363 298,191
666,520 403,683 1,073,389
33,326,497 30,765,785 35,312,535
FIF GROUP
January-16 YTD 2015
Description Dec-15
Honda Credit Sales (AHM) unit 2,918,486
Honda Sales ( AHM ) unit 4,453,198
Contract in Unit :
- NMC unit 1,427,710
- UMC Reguler unit 76,160
- UMC Financing unit 841,263
- MPF unit 797,846
- New Car unit 1,030
- Used Car unit 7,997
Total Contract in Unit unit 3,152,006
Motor - New / Honda Credit Sales (AHM) % 49.0%
Motor - New / Honda Sales ( AHM ) % 32.1%
- NMC Rp. 19,489,762
- MPF Rp. 2,797,432
- New Car Rp. 150,032
Total Amount Contract Value Rp. 28,812,151
WAR NMC % 29.4%

WAR UMC Reguler % 34.3%
WAR UMC Financing % 40.8%
WAR MPF % 59.9%
WAR New Car % 15.4%
WAR Used Car % 19.8%
Average WAR % 34.27%
COF % 9.71%
Spread % 24.6%
Write off 705,561
FIF GROUP
January-16 YTD 2015
Description Dec-15
Outstanding Account unit 4,511,029
A/R Quality :
Net Service Asset ( Principal ) Rp. 33,589,962
Balance overdue 1 - 30 days Rp. 1,369,266
Beginning Stock unit 5,293

In Stock unit 119,824
Sold Stock unit 117,946
Ending Stock unit 7,171
Total Borrowing Rp. 21,692,104

Other Liabilities Rp. 1,719,571
Equity Rp. 6,239,142
Total Asset Rp. 29,650,818
Net Profit After Tax Rp. 1,580,468
Total Expense to ASA - Rolling Average % 9.2%

Marketing exp to ASA - rolling average % 2.6%
Employee exp to ASA - rolling average % 4.1%
Others exp to ASA - rolling average % 2.5%
Productivity 265
OPM (Operating Profit / Total Revenue) % 35.3%
NPM (NPAT / Total Revenue) % 18.7%
DER excl. JF (Borrowing / Net Worth) 3.5
DER incl. JF (Borrowing + JF / Net Worth) 4.4
ROE (NPAT / Equity) % 25.3%
ROA (NPAT / Asset) % 5.3%
EPS (NPAT / Total Shares) - Annualized Rp. 5,643
# of Employee 17,034
USD/IDR 13,795
# of Branches 194
# of Outlets 430
FIF GROUP
January-16 YTD 2015
Description Dec-15
Revenue
Consumer financing - Gross Rp. 10,927,056
Consumer financing - JF Rp. (718,640)
Dealer Incentive Amortization Rp. (2,771,817)
Consumer financing - net Rp. 7,436,599
Administration Income Rp. 1,026,751
TOTAL OPERATING REVENUE Rp. 8,463,350
GROSS PROFIT Rp. 6,350,321
Operating expenses Rp. 2,428,384

Marketing expenses Rp. 936,653
OPERATING PROFIT Rp. 2,985,284

Allowance for doubtful accounts Rp. (745,230)
Gain/(loss) on repossessed asset Rp. (466,845)
Other income (expense) Rp. 152,437
Total other income (expense) Rp. (873,706)
INCOME BEFORE TAX Rp. 2,111,578
Income tax expense

Current tax Rp. 478,414
Provision for income tax Rp. 52,696
Total provision for income tax Rp. 531,110
NET INCOME Rp. 1,580,468
Retained Earning Beginning 4,543,803
Dividend 609,189
Adjustment Retained Earning (586)
RETAINED EARNING ENDING 5,515,669
FIF GROUP
Supplementary IS 12
January-16 YTD 2015
Description Dec-15
Loan interest expenses Rp. 520,316

JF interest expenses Rp. 0
Bonds interest expenses Rp. 489,496
Bonds issuance expenses Rp. 9,541
Swap Cost Rp. 879,806
Forex differential Rp. 1,038
Bank charges Rp. 212,833
Penalty income Rp. 147,133
Time deposits Rp. 0
Current accounts Rp. 38,799
Mutual fund Rp. 0
Recovery of written-off receivables Rp. 132,817

Gain on sale of fixed assets Rp. 48
Discount Insurance Rp. 19
Others Rp. 19,553
Other income-net Rp. 152,437
FIF GROUP
January-16 YTD 2015
Description Dec-15
Employee compensation Rp. 1,388,740
Employee benefit KEPMEN 150 Rp. 14,802
Wages Rp. 16,111
Employee welfare Rp. 48,315
People Development & CopPlan Review Rp. 27,781
Recruitment Rp. 7,183
EMPLOYEE EXPENSES Rp. 1,502,932
Advertising and promotion Rp. 773,175
PGC incentives Rp. 26,764
Taxes and licenses Marketing Rp. 136,714
MARKETING EXPENSES Rp. 936,653
Rent Rp. 190,315
Depreciation Rp. 117,511
Communications Rp. 105,080
Repairs and maintenance Rp. 95,843
Office supplies Rp. 60,608
Professional fee Rp. 193,522
Tax and Licenses Non-Marketing Rp. 53,409
Insurance Rp. 5,610
Travelling Rp. 61,988
Representation and entertainment Rp. 6,657
Electricity, water and gas Rp. 29,629
Donation and contribution Rp. 4,583
Beban extra ordinary Rp. 697
OTHERS EXPENSES Rp. 925,452
TOTAL EXPENSES Rp. 3,365,037
FIF GROUP
Balance Sheets 12
January-16 YTD 2015
Description Dec-15
ASSETS
Cash and cash equivalents Rp. 209,851

- Consumer financing receivables - gross Rp. 42,918,768
- Joint financing receivables - gross Rp. (5,997,528)
- Unearned income on consumer financing Rp. (8,807,248)
- Allowance for doubtful accounts Rp. (1,593,287)
Consumer financing receivables - net Rp. 26,520,705
Other receivables Rp. 85,613
Derivative receivables Rp. 1,659,457
Prepaid tax Rp. 1,564
Prepaid expenses Rp. 444,551
Deferred tax assets Rp. 115,939
Fixed assets - net Rp. 548,252
Other assets Rp. 0
Total Other Assets Rp. 2,920,262
TOTAL ASSETS Rp. 29,650,818

Liabilities
Overdraft Rp.
Other payables Rp. 483,789
Derivative Payables Rp. 0
Insurance premium payables Rp. 519,667
Accrued Expenses Rp. 553,425
Taxes payable Rp. 162,342
Bank loans Rp. 14,770,411
FIF Bonds Rp. 6,921,693
JF payable Rp. 0
Total Liabilities Rp. 23,411,327
Equity
Share capital Rp. 630,000
Retained Earnings Rp. 5,609,490
Total Equity Rp. 6,239,490
TOTAL LIABILITIES AND EQUITY Rp. 29,650,817
Repossessed assets Rp. 107,302

Allowance Repossessed assets Rp. (42,417)
Fixed assets Rp. 1,182,268

Depreciation of Fixed assets Rp. (634,015)
Net book value Rp. 548,252
FIF GROUP
January-16 YTD 2015
Description Dec-15
Account Receivables
Provision :
Total Rp. 1,593,287
AR own risk :
- NMC Rp. 21,292,211
- MPF Rp. 1,446,067
- New Car Rp. 155,746
Total Rp. 28,113,992
% Provision :
Total % 5.7%
Repossess Asset
Provision :
Total Rp. 42,417
Repossess Asset :
- NMC Rp. 75,732
- UMC Financing Rp. 6,774
- MPF Rp. 11,104
- New Car Rp. 840
Total Rp. 107,302
% Provision :
Total % 39.5%
Total % 5.8%
FIF GROUP
January-16 YTD 2015
Description Dec-15
Net Losses
Loss on Repo (LOR) Rp. 457,105
Write off Rp. 705,561
Recovery Income Rp. (132,817)
Net Losses Rp. 1,029,849
NSA-1 Rp. 28,113,992
RA Rp. 107,302
ASA-1 + ARA 26,606,193

LOR / ASA-1 + ARA 1.7%
Write off / ASA-1 + ARA 2.7%
Recovery Income / / ASA-1 + ARA -0.5%
Net Losses FIF / ASA-1 + ARA 3.87%
Surplus (defisit) of provision [ASA-1+ARA] 1.93%

Projected Net Losses (YTD) 1,339,251
Provision / NSA-1 & RA 5.8%
% Projected Net Losses / NSA-1 & RA 4.7%
Surplus (deficit) of provision 1.1%
FIF GROUP
January-16 YTD 2015
Description Dec-15
AR - ALL :
- NMC Rp. 26,645,426
- MPF Rp. 1,446,067
- New Car Rp. 193,622
Total Rp. 33,589,962
1 1 1
YTD 2016 YTD Projection YTD
Jan-16 Jan-16 MB 2016 Jan-15
231,400 231,400 222,611 235,331
356,000 356,000 345,133 350,788
117,447 117,447 106,860 113,557

5,428 5,428 3,883 6,076
75,574 75,574 62,771 67,326
65,521 65,521 68,331 69,292
87 87 112 142
532 532 1,181 579
264,589 264,589 243,140 256,972
50.8% 50.8% 48.0% 48.3%
33.0% 33.0% 31.0% 32.4%
1,664,468 1,664,468 1,474,674 1,461,017

53,957 53,957 35,338 58,729
466,520 466,520 364,073 403,356
234,779 234,779 237,383 235,563
14,070 14,070 15,373 19,014
33,247 33,247 71,599 39,475
2,467,041 2,467,041 2,198,440 2,217,153
30.0% 30.0% 29.0% 29.6%

34.6% 34.6% 34.0% 33.5%
41.0% 41.0% 39.0% 41.1%
60.2% 60.2% 57.0% 58.4%
15.0% 15.0% 14.5% 15.7%
18.7% 18.7% 18.0% 19.1%
34.78% 34.78% 33.30% 34.57%
9.63% 9.6% 11.0% 9.7%
25.1% 25.1% 22.3% 24.9%
61,694 61,694 62,730 55,292
1 1 1
Jan-16 Jan-16 MB 2016 Jan-15
4,530,081 4,530,081 4,304,905
33,779,976 33,779,976 33,310,244 30,842,518

1,412,565 1,412,565 1,337,614
405,318 405,318 386,835
251,128 251,128 216,938
233,857 233,857 234,336
484,985 484,985 451,274
4.18% 4.18% 4.34%
1.20% 1.20% 1.25%
0.74% 0.74% 0.70%
0.69% 0.69% 0.76%
1.44% 1.44% 1.46%
7,171 7,171 5,293

9,937 9,937 10,501
9,251 9,251 9,502
7,857 7,857 6,292
21,790,822 21,790,822 21,261,164 19,656,843

1,825,231 1,825,231 1,923,096 1,744,558
6,262,728 6,262,728 6,256,590 5,196,138
29,878,781 29,878,781 29,440,850 26,597,540
137,501 137,501 121,404 106,861
9.3% 9.3% 9.8% 11.6%

2.5% 2.5% 2.5% 3.1%
4.4% 4.4% 4.8% 4.6%
2.4% 2.4% 2.5% 3.9%
262 262 269
36.0% 36.0% 32.8% 28.7%
19.2% 19.2% 17.8% 15.8%
3.5 3.5 3.4 3.8
4.4 4.4 4.2 4.8
26.3% 26.3% 23.3% 24.7%
5.5% 5.5% 4.9% 4.8%
5,891 5,891 5,201 4,578
17,282 17,282 15,991

13,846 13,846 14,500 12,625
194 194 179
435 435 413
1 1 1
Jan-16 Jan-16 MB 2016 Jan-15
913,269 913,269 871,990 901,633

(60,529) (60,529) (58,684) (56,271)
(215,948) (215,948) (224,265) (249,962)
636,792 636,792 589,041 595,401
80,515 80,515 92,463 79,563
717,307 717,307 681,505 674,964
172,436 172,436 157,566 170,277
544,871 544,871 523,939 504,687
208,574 208,574 224,557 228,693

77,832 77,832 75,573 82,023
258,466 258,466 223,809 193,971
14,864 14,864 17,238 15,467

(62,038) (62,038) (48,617) (43,810)
(39,621) (39,621) (42,608) (42,019)
11,894 11,894 12,050 11,145
(74,901) (74,901) (61,937) (59,217)
183,565 183,565 161,872 134,754
32,209 32,209 25,003 16,112

13,855 13,855 15,465 11,781
46,064 46,064 40,468 27,893
137,501 137,501 121,404 106,861
5,515,669 5,515,669 5,476,565 4,543,455
0 0 150,000 0
0 0 0 0
5,653,170 5,653,170 5,447,969 4,650,316
1 1 1
Jan-16 Jan-16 MB 2016 Jan-15
52,496 52,496 38,999 44,721

0 0 0 0
54,165 54,165 51,112 33,686
1,011 1,011 1,011 641
47,465 47,465 44,944 73,037
31 31 0 408
17,270 17,270 21,499 17,784
172,436 172,436 157,566 170,277
12,700 12,700 14,214 13,180
0 0 0 0
2,165 2,165 3,024 2,287
0 0 0 0
14,864 14,864 17,238 15,467
11,203 11,203 12,050 10,588

9 9 0 (5)
19 19 0 0
662 662 0 561
11,894 11,894 12,050 11,145
1 1 1
Jan-16 Jan-16 MB 2016 Jan-15
127,460 127,460 137,451 116,543
0 0 2,287 0
2,340 2,340 1,142 568
4,639 4,639 3,549 6,440
1,064 1,064 2,521 497
821 821 519 224
136,324 136,324 147,469 124,272
57,686 57,686 63,653 68,774
1,684 1,684 2,609 1,498
18,462 18,462 9,311 11,752
77,832 77,832 75,573 82,023
16,306 16,306 20,315 16,530
10,583 10,583 10,889 9,678
8,462 8,462 8,778 9,261
8,623 8,623 6,394 12,917
5,606 5,606 4,253 5,141
12,136 12,136 16,953 16,304
1,678 1,678 738 26,195
436 436 266 389
4,951 4,951 5,276 4,586
522 522 522 520
2,666 2,666 2,311 2,435
281 281 330 463
0 0 64 0
72,249 72,249 77,088 104,421
286,406 286,406 300,130 310,716
1 1 1
Jan-16 Jan-16 MB 2016 Jan-15
537,910 537,910 332,602 579,585
43,091,347 43,091,347 42,589,344 39,677,782

(6,169,851) (6,169,851) (6,187,840) (5,784,335)
(8,776,622) (8,776,622) (8,651,847) (8,290,055)
(1,593,631) (1,593,631) (1,596,653) (1,542,137)
26,551,242 26,551,242 26,153,004 24,061,255
92,722 92,722 80,769 39,388
1,480,481 1,480,481 1,756,272 1,022,333
1,754 1,754 1,524 21
460,524 460,524 433,805 147,238
140,171 140,171 113,445 216,847
543,764 543,764 497,501 473,100
70,214 70,214 71,928 57,773
0 0 0 0
2,789,629 2,789,629 2,955,243 1,956,699
29,878,781 29,878,781 29,440,850 26,597,540

498,369 498,369 423,052 361,428
0 0 0 4,961
545,733 545,733 520,792 624,233
632,108 632,108 808,044 687,890
149,021 149,021 171,208 66,047
14,868,118 14,868,118 14,338,460 14,786,854
6,922,704 6,922,704 6,922,704 4,869,989
0 0 0 0
23,616,053 23,616,053 23,184,260 21,401,401
630,000 630,000 630,000 630,000

5,632,728 5,632,728 5,626,590 4,566,138
6,262,728 6,262,728 6,256,590 5,196,138
29,878,781 29,878,781 29,440,850 26,597,540
116,238 116,238 121,354 95,456

(46,024) (46,024) (49,426) (37,683)
70,214 70,214 71,928 57,773
1,188,119 1,188,119 1,143,459 1,001,692

(644,356) (644,356) (645,959) (528,592)
543,764 543,764 497,501 473,100
1 1 1
Jan-16 Jan-16 MB 2016 Jan-15
1,593,631 1,593,631 1,596,653 1,542,137
21,233,868 21,233,868 20,812,052 19,494,995

889,491 889,491 878,326 848,328
3,877,888 3,877,888 3,736,539 3,245,095
1,466,481 1,466,481 1,535,438 1,508,836
161,323 161,323 193,741 147,389
515,822 515,822 593,561 358,749
28,144,873 28,144,873 27,749,657 25,603,392
5.7% 5.7% 5.8% 6.0%
46,024 46,024 49,426 37,683
82,302 82,302 91,584 66,429

5,513 5,513 5,041 1,957
6,925 6,925 5,903 9,759
12,268 12,268 13,659 13,539
1,039 1,039 1,048 882
8,190 8,190 4,119 2,889
116,238 116,238 121,354 95,456
39.6% 39.6% 40.7% 39.5%
5.8% 5.8% 5.9% 6.1%
1 1 1
Jan-16 Jan-16 MB 2016 Jan-15
36,014 36,014 42,579 37,013

61,694 61,694 62,730 55,292
(11,203) (11,203) (12,050) (10,588)
86,505 86,505 93,259 81,717
28,144,873 28,144,873 27,749,657 25,603,392
116,238 116,238 121,354 95,456
26,817,199 26,817,199 26,761,416 23,222,092

1.6% 1.6% 1.9% 1.9%
2.8% 2.8% 2.8% 2.9%
-0.5% -0.5% -0.5% -0.5%
3.87% 3.87% 4.18% 4.22%
1.93% 1.93% 1.72% 1.92%

1,342,403 1,342,403 1,326,332 1,258,558
5.8% 5.8% 5.9% 6.1%
4.7% 4.7% 4.8% 4.9%
1.1% 1.1% 1.2% 1.3%
1 1 1
Jan-16 Jan-16 MB 2016 Jan-15
26,752,644 26,752,644 26,311,524 24,645,949

925,894 925,894 921,559 917,659
3,877,888 3,877,888 3,736,539 3,245,095
1,466,481 1,466,481 1,535,438 1,508,836
197,980 197,980 211,073 165,544
559,089 559,089 594,110 359,435
33,779,976 33,779,976 33,310,244 30,842,518
12
Full Year
MB 2016
2,873,475
4,455,000
1,379,361
48,000
900,000
863,558
1,451
16,898
3,209,268
48.0%
31.0%
19,035,183
436,800
5,220,000
3,000,000
198,361
1,024,152
28,914,496
29.0%
34.0%
39.0%
57.0%
14.5%
18.0%
33.30%
11.0%
22.3%
768,463
12
Full Year
MB 2016
35,312,535
22,067,597
1,923,096
6,995,563
30,986,256
1,650,053
9.4%
2.5%
4.4%
2.5%
35.0%
17.9%
3.2
4.1
23.6%
5.3%
5,891
14,500
12
Full Year
MB 2016
11,626,436
(819,242)
(2,804,295)
8,002,899
1,221,100
9,223,999
2,292,490
6,931,508
2,718,735
981,587
3,231,186
188,985
(834,139)
(533,154)
147,192
(1,031,115)
2,200,071
574,566
(24,548)
550,018
1,650,053
5,476,565
939,675
0
6,186,942
12
Full Year
MB 2016
661,262
0
731,160
8,228
656,552
0
235,290
2,292,490
152,400
0
36,585
0
188,985
147,192
0
0
0
147,192
12
Full Year
MB 2016
1,616,450
27,447
13,141
43,643
26,512
5,467
1,732,660
809,662
32,985
138,940
981,587
226,052
131,481
111,834
104,585
63,410
204,970
26,337
6,667
65,130
6,714
33,008
4,972
914
986,075
3,700,322
12
Full Year
MB 2016
279,016
45,543,728
(6,909,020)
(9,299,779)
(1,676,442)
27,658,487
80,769
1,756,272
1,524
433,805
153,458
550,450
72,475
0
3,048,753
30,986,256
423,052
0
520,792
808,044
171,208
16,827,676
5,239,921
0
23,990,693
630,000
6,365,563
6,995,563
30,986,256
122,219
(49,745)
72,475
1,317,001
(766,551)
550,450
12
Full Year
MB 2016
1,676,442
21,189,622
715,607
4,330,023
1,745,977
280,860
1,072,840
29,334,929
5.71%
47,840
96,343
2,166
4,885
13,659
1,048
4,119
122,219
40.7%
5.9%
12
Full Year
MB 2016
532,807
768,463
(147,192)
1,154,077
29,334,929
122,219
28,521,642
1.9%
2.7%
-0.5%
4.05%
1.81%
1,375,110
5.9%
4.7%
1.2%
12
Full Year
MB 2016
27,106,113
758,841
4,330,023
1,745,977
298,191
1,073,389
35,312,535
FIFGROUP
PROJECTION - OUTLOOK II 2015 - 2018
Operating Expenses
YTD Oktober 2014 Full Year 2014 Full Year MB 2015 Description
1,054,899 1,244,181 1,475,745 Employee compensation

21,703 42,679 32,188 Employee benefit KEPMEN 150
5,731 6,977 8,170 Wages
22,253 38,018 26,743 Employee welfare
22,273 29,477 34,983 Training
2,764 3,294 3,879 Recruitment
1,129,623 1,364,626 1,581,708 Employee Expenses
612,869 747,697 783,782 Advertising and promotion
16,003 19,495 32,775 PGC incentives
94,584 121,845 125,162 Taxes and licenses - Marketing
723,456 889,037 941,720 Marketing Expenses
136,329 165,290 212,638 Rent
85,058 104,225 107,190 Depreciation
74,262 94,098 108,866 Communications
72,843 91,693 109,138 Repairs and maintenance
50,697 61,027 63,136 Office supplies
157,025 191,295 225,431 Professional fee
7,597 9,448 16,508 Taxes and licenses - Non Marketing
4,234 5,177 6,971 Insurance
37,145 45,794 47,846 Travelling
4,427 5,533 6,637 Representation and entertainment
22,223 27,475 33,839 Electricity, water and gas
4,808 7,661 6,899 Donation and contribution
230 296 326 Beban extra ordinary
656,879 809,011 945,426 Other Expenses
2,509,958 3,062,674 3,468,854 TOTAL EXPENSES
FIFGROUP
YTD Oct 2014 Full Year 2014 Full Year MB 2015 Description
Revenue
5,132,040 6,279,958 6,650,725 Consumer financing - net
848,079 1,015,505 1,304,757 Administration
5,980,119 7,295,463 7,955,482 Total operating revenue
1,344,222 1,633,475 1,867,351 Interest and financial charges
4,635,897 5,661,987 6,088,131 GROSS PROFIT

1,786,502 2,173,637 2,527,134 Operating expenses
723,456 889,037 941,720 Marketing expenses
2,125,939 2,599,314 2,619,277 OPERATING PROFIT

179,169 211,512 184,896 Interest & Penalty Income
(674,046) (804,997) (688,686) Allowance for doubtful accounts
(293,202) (368,903) (445,440) Gain/(loss) on repossessed asset
135,860 159,691 130,815 Other income (expense)
(652,219) (802,697) (818,416) Total other income (expense)
1,473,720 1,796,617 1,800,862 INCOME BEFORE TAX
0 Income tax expense

306,849 374,991 444,138 Current tax
53,691 69,024 6,078 Provision for income tax
360,540 444,016 450,215 Total provision for income tax
1,113,180 1,352,601 1,350,646 NET INCOME
4,149,457 4,149,457 4,542,083 Retained Earning Beginning
958,935 958,935 577,656 Dividend

(1,373) (332) 0 Adjustment Retained Earning
4,305,075 4,543,455 5,315,074 RETAINED EARNING ENDING
FIFGROUP
Balance Sheets
ASSETS
583,909 552,975 446,195 Cash and cash equivalents
Consumer financing receivables :

38,399,142 39,395,258 43,335,617 - Consumer financing receivables - gross
(5,680,728) (5,718,383) (7,751,588) - Joint financing receivables - gross
(7,911,528) (8,241,231) (9,952,146) - Unearned income on consumer financing
(1,527,996) (1,553,619) (1,505,852) - Allowance for doubtful accounts
23,278,891 23,882,026 24,126,031 Consumer financing receivables - net
47,991 60,115 47,991 Other receivables
730,395 927,044 730,395 Derivative - Rec
0 0 0 Prepaid tax
121,135 125,715 121,135 Prepaid expenses
241,886 242,788 247,355 Deferred tax assets
450,824 476,966 649,312 Fixed assets - net
54,019 49,714 62,227 Repossessed assets - net
0 0 0 Other assets
1,646,250 1,882,342 1,858,414 Total Other Assets
25,509,050 26,317,343 26,430,640 TOTAL ASSETS

Liabilities
458,355 572,467 458,355 Other payables
45,028 14,636 45,028 Derivative - Payable
673,596 551,193 673,596 Insurance premium payables
824,689 592,718 824,689 Accrued Expenses
68,318 110,928 68,318 Taxes payable
13,714,670 14,559,201 12,067,064 Bank loans
4,868,312 4,869,403 6,427,510 FIF Bonds
0 0 0 JF Payable
20,652,968 21,270,546 20,564,560 Total Liabilities
Equity
630,000 630,000 630,000 Share capital
4,226,081 4,416,797 5,236,080 Retained Earnings
4,856,081 5,046,797 5,866,080 Total Equity

25,509,049 26,317,343 26,430,640 TOTAL LIABILITIES AND EQUITY
FIFGROUP
Supplementary
323,827 407,883 397,635 Loan interest expenses

0 0 0 JF interest expenses
433,682 502,986 479,222 Bonds interest expenses
8,524 9,775 5,531 Bonds issuance expenses
426,795 525,418 867,498 Swap Cost
17,343 19,211 0 Forex differential
134,051 168,202 117,465 Bank charges
1,344,222 1,633,475 1,867,351 Interest and financial charges
7,000
116,587 142,200 148,311 Penalty income
0 0 0 Time deposits
62,582 69,312 36,585 Current accounts
0 0 0 Mutual fund
179,169 211,512 184,896 Interest income
(674,046) (804,997) (688,686) Allowance for doubtful accounts

(293,202) (368,903) (445,440) Gain/(loss) on repossessed asset
(967,248) (1,173,900) (1,134,127) Allowance for doubtful accounts
124,050 144,454 130,815 Recovery of written-off receivables

93 92 0 Gain on sale of fixed assets
3 4 0 Discount Insurance
11,713 15,141 0 Others
135,860 159,691 130,815 Other income-net
FIFGROUP
Supplementary
Balance Sheets
28,962,447 29,701,725 35,428,190 Motor-New Principal + Interest

(7,183,060) (7,446,283) (9,174,033) Motor-New Interest
21,779,388 22,255,442 26,254,157 Motor-New Principal
6,376,266 6,825,266 6,602,830 NMC - Dealer Incentive
(4,099,831) (4,545,555) (6,987,028) NMC - Amortization of Dealer Incentive
2,276,435 2,279,712 (384,198) A/R - NMC Incentive Dealer which is amortized
4,698,709 4,867,166 4,788,607 Motor-Used Principal + Interest

(894,361) (919,075) (1,096,854) Motor-Used Interest
3,804,348 3,948,091 3,691,753 Motor-Used Principal
426,498 455,890 717,637 UMC - Dealer Incentive
(303,469) (330,011) (373,286) UMC - Amortization of Dealer Incentive
123,029 125,879 344,351 A/R - UMC Incentive Dealer which is amortized
1,799,492 1,813,318 2,223,008 Electronic Principal + Interest

(304,633) (308,052) (463,853) Electronic Interest
1,494,858 1,505,266 1,759,155 Electronic Principal
0 (797) 36,808 Electronic - Dealer Incentive
0 797 (22,372) Electronic - Amortization of Dealer Incentive
0 0 14,437 A/R - Electronic Incentive Dealer which is amortized
539,042 607,471 921,235 Car Product Principal + Interest
(104,522) (117,420) (125,300) Car Product Interest
434,520 490,051 795,935 Car Product Principal
0 0 0 Car - Dealer Incentive
(11) (12) (13) Car - Amortization of Dealer Incentive
(11) (12) (13) A/R - Electronic Incentive Dealer which is amortized
29,912,566 30,604,429 32,475,577 Total Consumer financing - principal
(5,680,728) (5,718,383) (7,751,588) Joint Financing Principal + Interest

575,048 549,599 907,894 Joint Financing Interest
(5,105,680) (5,168,784) (6,843,694) Joint Financing Principal
(1,723,771) (1,747,841) (1,490,854) Allowance for doubtful accounts Motor-New

(227,628) (235,289) (224,941) Allowance for doubtful accounts Motor-Used
(160,300) (161,476) (190,075) Allowance for doubtful accounts Electronic
(10,519) (11,809) (19,097) Allowance for doubtful accounts Car
0 0 0 Allowance for doubtful accounts Others
594,222 602,796 419,117 Allowance for doubtful accounts Joint Financing
(1,527,996) (1,553,619) (1,505,852) Allowance for doubtful accounts
23,278,891 23,882,026 24,126,031 Consumer financing receivables - net
89,579 82,391 103,146 Repossessed assets

(35,560) (32,677) (40,920) Allowance Repossessed assets
54,019 49,714 62,227 Repossessed assets - net
951,140 996,393 1,271,232 Fixed assets

(500,315) (519,427) (621,920) Depreciation of Fixed assets
450,824 476,966 649,312 Net book value
0 0 0 FIF Bonds X
0 0 0 FIF Bonds XI
4,868,312 4,869,403 2,434,306 FIF Bonds XII - XIV
0 0 0 FIF Bonds XV
4,868,312 4,869,403 2,434,306 Total FIF Bonds
FIFGROUP
Statements of Cash Flows
YTD Oktober 2014 Full Year 2014 Full Year MB 2015 Description
CASH FLOWS FROM OPERATING ACTIVITIES :
1,113,180 1,352,601 1,350,646 Net Income
Reconciliation to net cash provided by(used in)
operating activities:
83,970 103,082 107,190 - Depreciation of Fixed Assets
25,901 24,999 6,078 - Deferred Tax Asset
174,373 199,996 (19,514) - Bad debts
1,373 332 0 - Adjustment Retained Earning
1,398,797 1,681,010 1,444,400
Changes in Working Capital :
(3,856,991) (4,548,853) (2,478,485) Consumer Financing
(249,225) (186,122) 1,862,344 Joint Financing
0 Marketable securities
(20,937) (33,062) 0 Other receivables
632,031 435,382 0 Derivative receivables
67,506 62,926 0 Prepaid Expenses
(12,386) (8,081) (7,185) Repossessed Assets
0 0 0 Other Assets
0
(11,163) 72,557 0 Other payables
160,184 37,780 0 Insurance premium payables
(181,796) (413,768) 0 Accrued Expenses
(88,123) (45,513) 0 Tax Payable
(2,162,104) (2,945,743) 821,074 Net Cash Provided by(used in) Operating Activities
CASH FLOWS FROM INVESTING ACTIVITIES :
(195,826) (241,079) (292,124) Property and Equipment
(195,826) (241,079) (292,124) Net Cash provided by(used in) Investing Activities
CASH FLOWS FROM FINANCING ACTIVITIES :
6,346,473 7,191,004 (1,648,034) Bank loans
(3,266,481) (3,265,390) 1,558,031 FIF Bonds
0 0 0 JF Payable
0 0 0 Subordinated loan
(958,935) (958,935) (577,656) Dividend
(84,744) (132,408) 0 Equity
2,036,314 2,834,271 (667,659) Net Cash provided by(used in) Financing Activities
(321,616) (352,550) (138,710) Net increase(decrease) in Cash & Cash equivalent
905,525 905,525 584,904 Cash & Cash equivalent at beg. of year
583,909 552,975 446,195 Cash & Cash equivalent at end of year
FIFGROUP
Detail Perhitungan Provision - NSA OWN RISK
Account Receivables
Provision :
1,143,966 1,159,117 1,075,924 - NMC
213,725 221,859 221,083 - UMC
160,204 161,379 190,075 - Elektronik
10,102 11,263 18,770 - Car
0 0 0 - Others
1,527,996 1,553,619 1,505,852 Total
AR own risk :
19,051,407 19,458,874 19,127,529 - NMC
3,839,878 3,999,131 3,948,605 - UMC
1,494,858 1,505,266 1,773,592 - Elektronik
420,742 472,374 782,156 - Car
0 0 0 - Others
24,806,886 25,435,645 25,631,883 Total
% Provision :
6.0% 6.0% 5.6% - NMC
5.6% 5.5% 5.6% - UMC
10.7% 10.7% 10.7% - Elektronik
2.4% 2.4% 2.4% - Car
0.0% 0.0% 0.0% - Others
6.2% 6.1% 5.9% Total
Repossess Asset
Provision :
27,149 24,443 32,509 - SMH
8,411 8,234 8,411 - Other
35,560 32,677 40,920 Total
Repossess Asset :
75,017 67,657 88,584 - SMH
14,563 14,734 14,563 - Other
89,579 82,391 103,146 Total
% Provision :
36.2% 36.1% 36.7% - SMH
57.8% 55.9% 57.8% - Other
39.7% 39.7% 39.7% Total
6.3% 6.2% 6.0% Total
Net Losses
283,775 362,359 440,749 Loss on Repo (LOR)
499,673 605,001 708,200 Write off
(124,050) (144,454) (130,815) Recovery Income
659,398 822,906 1,018,134 Net Losses
9,427 6,544 4,691 Provision RA
24,806,886 25,435,645 25,631,883 NSA-1

89,579 82,391 103,146 RA
22,064,829 22,842,830 25,667,071 ASA-1 + ARA

3.6% 3.6% 4.0% Net Losses FIF / ASA-1 + ARA
1,252,292 1,267,226 1,224,987 Projected Net Losses (YTD)
6.3% 6.2% 6.0% Provision / NSA-1 & RA
5.0% 5.0% 4.8% % Projected Net Losses / NSA-1 & RA
1.25% 1.25% 1.25% Surplus (deficit) of provision
FIFGROUP
Detail Perhitungan Provision - NSA ALL
Account Receivables
Provision :
1,143,966 1,159,117 1,075,924 - NMC
213,725 221,859 221,083 - UMC
160,204 161,379 190,075 - Elektronik
10,102 11,263 18,770 - Car
0 0 0 - Others
1,527,996 1,553,619 1,505,852 Total
AR ALL :
24,055,823 24,535,153 25,869,959 - NMC
3,927,377 4,073,970 4,036,104 - UMC
1,494,858 1,505,266 1,773,592 - Elektronik
434,508 490,039 795,922 - Car
0 0 0 - Others
29,912,566 30,604,429 32,475,577 Total
% Provision :
4.8% 4.7% 4.2% - NMC
5.4% 5.4% 5.5% - UMC
10.7% 10.7% 10.7% - Elektronik
2.3% 2.3% 2.4% - Car
5.1% 5.1% 4.6% Total
Repossess Asset
Provision :
27,149 24,443 32,509 - SMH
8,411 8,234 8,411 - Other
35,560 32,677 40,920 Total
Repossess Asset :
75,017 67,657 88,584 - SMH
14,563 14,734 14,563 - Other
89,579 82,391 103,146 Total
% Provision :
36.2% 36.1% 36.7% - SMH
57.8% 55.9% 57.8% - Other
39.7% 39.7% 39.7% Total
5.2% 5.2% 4.7% Total
Net Losses
283,775 362,359 440,749 Loss on Repo (LOR)
499,673 605,001 708,200 Write off
(124,050) (144,454) (130,815) Recovery Income
659,398 822,906 1,018,134 Net Losses
9,427 6,544 4,691 Provision RA
29,912,566 30,604,429 32,475,577 NSA

89,579 82,391 103,146 RA
27,356,722 28,042,978 31,305,657 ASA+ ARA
1.2% 1.3% 1.4% LOR / ASA + ARA

2.2% 2.2% 2.3% Write off / ASA + ARA
-0.5% -0.5% -0.4% Recovery Income / / ASA + ARA
2.9% 2.9% 3.3% Net Losses FIF / ASA + ARA
2.3% 2.2% 1.5% Surplus (defisit) of provision
FIFGROUP
ASSUMPTION
2,589,830 3,135,291 3,043,711 Honda Credit Sales (AHM)

4,020,064 4,841,961 4,900,000 Honda Sales ( AHM )
Contract in Unit :
1,205,417 1,462,234 1,430,544 - NMC
65,771 77,777 80,000 - UMC Reguler
570,284 698,546 717,070 - UMC Financing
699,410 841,351 948,186 - MPF
5,604 6,830 8,548 - Car
2,546,486 3,086,738 3,184,347 Total Contract in Unit
46.5% 46.6% 47.0% Motor - New / Honda Credit Sales
30.0% 30.2% 29.2% Motor - New / Honda Sales ( AHM )
15,101,155 18,419,408 18,167,909 - NMC
606,493 721,072 712,000 - UMC Reguler
3,410,626 4,181,718 3,943,884 - UMC Financing
2,364,608 2,847,655 3,318,650 - MPF
464,057 565,673 663,879 - Car
21,946,939 26,735,526 26,806,322 Total Amount Contract Value
29.3% 29.3% 28.0% WAR NMC
33.2% 33.2% 34.0% WAR UMC - Reguler
41.2% 41.1% 38.0% WAR UMC - Financing
55.3% 55.4% 56.5% WAR Electronic
17.0% 17.0% 15.5% WAR Car
33.79% 33.75% 32.9% Average WAR
9.9% 9.8% 10.7% COF - Loan Rp
23.9% 23.9% 22.2% Spread
29,912,566 30,604,429 32,475,577 NSA

1,113,180 1,352,601 1,350,646 NPAT
2.8% 2.8% 2.8% Marketing exps to ASA
4.4% 4.3% 4.7% Employee exp to ASA - rolling avg
2.5% 2.5% 2.8% Others exp to ASA - rolling avg
6.9% 6.8% 7.6% Operating exp to ASA - rolling avg
9.7% 9.6% 10.4% Total Expenses to ASA
3.8 3.8 3.2 DER
4.9 4.9 4.3 DER (include JF without recourse)
27.5% 26.8% 23.0% ROE (NPAT / Equity)
52.4% 5.1% 5.1% ROA (NPAT / Asset)
12,082 12,440 12,500 USD/ IDR
YTD MB Oktober 2015 YTD Oct 2015 Nov-15 Dec-15 OL III 2015 Jan-16 Feb-16
1,230,072 1,166,639 121,148 124,128 1,411,915 137,451 136,610

26,823 18,742 3,576 3,576 25,894 2,287 2,287
6,561 10,956 718 723 12,397 1,142 1,138
21,881 37,018 2,073 2,082 41,172 3,549 251
18,739 16,257 4,039 4,715 25,011 2,521 169
2,824 4,905 168 85 5,158 519 520
1,306,901 1,254,516 131,722 135,309 1,521,547 147,469 140,975
653,443 638,693 74,061 73,556 786,311 63,653 61,964
27,205 21,772 2,835 2,846 27,453 2,609 2,126
103,359 108,356 14,205 8,515 131,076 9,311 10,672
784,007 768,821 91,102 84,917 944,840 75,573 74,762
171,527 152,034 21,814 22,719 196,567 20,315 17,776
86,673 96,774 10,821 10,879 118,474 10,889 10,900
90,552 85,351 9,735 8,464 103,550 8,778 8,318
90,116 76,765 9,570 10,503 96,838 6,394 7,000
50,934 48,230 6,011 4,471 58,713 4,253 4,979
188,978 165,678 10,164 10,454 186,296 16,953 16,927
14,917 38,857 3,629 3,702 46,187 738 867
5,806 4,737 695 741 6,173 266 919
38,422 46,997 7,239 6,069 60,306 5,276 3,989
5,711 5,454 376 387 6,217 522 585
28,819 24,008 3,848 2,707 30,563 2,311 2,288
6,176 3,495 499 609 4,604 330 630
321 689 82 76 847 64 63
778,953 749,069 84,483 81,781 915,334 77,088 75,242
2,869,861 2,772,406 307,307 302,007 3,381,720 300,130 290,979
5,535,163 6,036,200 685,328 718,148 7,439,676 589,041 601,743

1,089,713 865,011 93,997 96,927 1,055,935 92,463 89,832
6,624,876 6,901,211 779,325 815,076 8,495,612 681,505 691,575
1,568,649 1,714,805 178,384 223,520 2,116,709 157,566 156,546
5,056,228 5,186,406 600,941 591,555 6,378,902 523,939 535,030

2,085,854 2,003,585 216,205 217,090 2,436,880 224,557 216,217
784,007 768,821 91,102 84,917 944,840 75,573 74,762
2,186,367 2,413,999 293,634 289,549 2,997,182 223,809 244,051
154,198 159,558 16,182 16,640 192,380 17,238 13,117

(590,045) (625,232) (67,987) (65,517) (758,737) (48,617) (55,152)
(374,465) (397,165) (51,090) (51,652) (499,907) (42,608) (42,821)
108,094 117,316 9,843 9,808 136,967 12,050 12,053
(702,217) (745,524) (93,052) (90,721) (929,297) (61,937) (72,803)
1,484,149 1,668,475 200,582 198,828 2,067,885 161,872 171,247
363,776 391,960 58,199 53,410 503,569 25,003 44,394

7,261 26,002 (8,054) (3,703) 14,245 15,465 (1,583)
371,037 417,962 50,146 49,707 517,815 40,468 42,812
1,113,112 1,250,513 150,437 149,121 1,550,071 121,404 128,436
4,542,083 4,543,455 5,177,007 5,327,444 4,543,455 5,476,565 5,447,969
577,656 609,189 0 0 609,189 150,000 0

0 7,772 0 0 7,772 0 0
5,077,539 5,177,007 5,327,444 5,476,565 5,476,565 5,447,969 5,576,405
413,626 538,966 265,280 333,963 333,963 332,602 318,101
42,843,105 42,280,953 42,334,996 42,477,565 42,477,565 42,589,344 42,600,918

(7,251,707) (6,042,575) (6,017,714) (6,084,389) (6,084,389) (6,187,840) (6,275,454)
(9,738,498) (8,731,441) (8,653,732) (8,591,679) (8,591,679) (8,651,847) (8,680,861)
(1,528,594) (1,598,327) (1,605,744) (1,610,767) (1,610,767) (1,596,653) (1,589,197)
24,324,306 25,908,610 26,057,805 26,190,731 26,190,731 26,153,004 26,055,405
47,991 80,769 80,769 80,769 80,769 80,769 80,769
730,395 1,756,272 1,756,272 1,756,272 1,756,272 1,756,272 1,756,272
0 1,524 1,524 1,524 1,524 1,524 1,524
121,135 433,805 433,805 433,805 433,805 433,805 433,805
246,172 117,153 125,207 128,910 128,910 113,445 115,027
635,095 491,481 501,542 504,515 504,515 497,501 492,186
61,328 69,254 68,763 71,878 71,878 71,928 71,978
0 0 0 0 0 0 0
1,842,115 2,950,258 2,967,881 2,977,673 2,977,673 2,955,243 2,951,561
26,580,047 29,397,834 29,290,966 29,502,366 29,502,366 29,440,850 29,325,067
458,355 423,052 423,052 423,052 423,052 423,052 423,052

45,028 0 0 0 0 0 0
673,596 520,792 520,792 520,792 520,792 520,792 520,792
824,689 808,044 808,044 808,044 808,044 808,044 808,044
68,318 171,208 171,208 171,208 171,208 171,208 171,208
12,454,860 14,569,384 14,311,116 14,372,391 14,372,391 14,338,460 14,093,289
6,426,655 6,919,726 6,920,690 6,921,693 6,921,693 6,922,704 6,923,657
0 0 0 0 0 0 0
20,951,501 23,412,206 23,154,902 23,217,181 23,217,181 23,184,260 22,940,042
630,000 630,000 630,000 630,000 630,000 630,000 630,000

4,998,546 5,355,628 5,506,064 5,655,186 5,655,186 5,626,590 5,755,025
5,628,546 5,985,628 6,136,064 6,285,186 6,285,186 6,256,590 6,385,025

26,580,047 29,397,834 29,290,966 29,502,366 29,502,366 29,440,850 29,325,067
345,413 431,455 36,755 56,032 524,242 38,999 38,768

0 0 0 0 0 0 0
373,579 385,724 51,856 51,856 489,436 51,112 51,112
4,676 7,574 964 1,003 9,541 1,011 953
745,842 710,542 72,236 98,103 880,880 44,944 44,944
0 966 0 0 966 0 0
99,139 178,544 16,574 16,527 211,644 21,499 20,768
1,568,649 1,714,805 178,384 223,520 2,116,709 157,566 156,546
7,000 7,000
123,757 124,331 13,655 14,108 152,094 14,214 10,089
0 0 0 0 0 0 0
30,442 35,227 2,528 2,532 40,286 3,024 3,028
0 0 0 0 0 0 0
154,198 159,558 16,182 16,640 192,380 17,238 13,117
(590,045) (625,232) (67,987) (65,517) (758,737) (48,617) (55,152)

(374,465) (397,165) (51,090) (51,652) (499,907) (42,608) (42,821)
(964,510) (1,022,398) (119,077) (117,169) (1,258,644) (91,225) (97,973)
108,094 111,490 9,843 9,808 131,142 12,050 12,053

0 46 0 0 46 0 0
0 4 0 0 4 0 0
0 5,775 0 0 5,775 0 0
108,094 117,316 9,843 9,808 136,967 12,050 12,053
34,543,813 31,682,318 31,716,795 31,807,837 31,807,837 31,890,911 31,982,525

(8,924,580) (7,731,409) (7,665,654) (7,604,757) (7,604,757) (7,681,478) (7,752,513)
25,619,233 23,950,909 24,051,141 24,203,080 24,203,080 24,209,434 24,230,012
6,678,441 8,857,063 9,055,069 9,262,261 9,262,261 9,438,581 9,616,695
(6,549,152) (6,704,660) (6,914,634) (7,125,263) (7,125,263) (7,336,490) (7,547,096)
129,289 2,152,403 2,140,435 2,136,998 2,136,998 2,102,090 2,069,599
4,788,437 5,628,203 5,604,970 5,579,634 5,579,634 5,536,870 5,459,372

(1,074,403) (1,042,801) (1,054,931) (1,063,769) (1,063,769) (1,062,255) (1,051,448)
3,714,034 4,585,402 4,550,039 4,515,865 4,515,865 4,474,615 4,407,923
674,717 625,395 645,654 665,914 665,914 693,061 718,337
(369,741) (478,174) (489,997) (500,468) (500,468) (509,577) (517,526)
304,976 147,221 155,657 165,446 165,446 183,484 200,811
2,192,651 1,765,455 1,829,353 1,885,135 1,885,135 1,912,847 1,873,805

(455,176) (317,369) (342,961) (365,565) (365,565) (377,409) (373,037)
1,737,474 1,448,086 1,486,392 1,519,569 1,519,569 1,535,438 1,500,768
31,170 0 0 0 0 0 0
(17,028) 0 0 0 0 0 0
14,142 0 0 0 0 0 0
869,810 902,525 884,958 899,689 899,689 960,314 1,011,979
(119,200) (170,205) (142,795) (146,732) (146,732) (157,959) (167,258)
750,610 732,321 742,164 752,956 752,956 802,355 844,721
0 2,928 2,928 2,928 2,928 2,928 2,928
(13) (101) (101) (101) (101) (101) (101)
(13) 2,827 2,827 2,827 2,827 2,827 2,827
32,269,745 33,019,169 33,128,655 33,296,742 33,296,742 33,310,244 33,256,661
(7,251,707) (6,042,575) (6,017,714) (6,084,389) (6,084,389) (6,187,840) (6,275,454)

834,861 530,343 552,608 589,144 589,144 627,253 663,395
(6,416,846) (5,512,232) (5,465,105) (5,495,245) (5,495,245) (5,560,587) (5,612,059)
(1,491,871) (1,826,580) (1,485,098) (1,489,337) (1,489,337) (1,477,029) (1,477,646)

(223,840) (263,591) (251,944) (250,603) (250,603) (249,597) (247,142)
(187,720) (155,783) (159,804) (163,371) (163,371) (165,077) (161,350)
(18,011) (17,932) (18,263) (18,533) (18,533) (19,740) (20,775)
0 0 0 0 0 0 0
392,848 665,558 309,365 311,078 311,078 314,791 317,715
(1,528,594) (1,598,327) (1,605,744) (1,610,767) (1,610,767) (1,596,653) (1,589,197)
24,324,306 25,908,610 26,057,805 26,190,731 26,190,731 26,153,004 26,055,405
101,642 115,202 116,252 121,276 121,276 121,354 121,433

(40,314) (45,948) (47,489) (49,397) (49,397) (49,426) (49,455)
61,328 69,254 68,763 71,878 71,878 71,928 71,978
1,236,499 1,104,851 1,125,733 1,139,585 1,139,585 1,143,459 1,149,044

(601,403) (613,370) (624,191) (635,070) (635,070) (645,959) (656,858)
635,095 491,481 501,542 504,515 504,515 497,501 492,186
0 0 0 0 0 0 0
0 0 0 0 0 0 0
2,433,996 2,432,715 2,432,948 2,433,191 2,433,191 2,433,436 2,433,667
0 4,487,011 4,487,742 4,488,502 4,488,502 4,489,268 4,489,990
2,433,996 6,919,726 6,920,690 6,921,693 6,921,693 6,922,704 6,923,657
1,113,112 1,250,513 150,437 149,121 1,550,071 121,404 128,436

86,673 93,943 10,821 10,879 115,643 10,889 10,900
7,261 125,635 (8,054) (3,703) 113,878 15,465 (1,583)
3,228 44,708 7,417 5,022 57,148 (14,114) (7,455)
0 (7,772) 0 0 (7,772) 0 0
1,210,274 1,507,027 160,621 161,319 1,828,967 133,644 130,297
(2,272,653) (2,414,740) (109,486) (168,087) (2,692,313) (13,502) 53,583

1,435,495 343,448 (47,127) 30,139 326,461 65,342 51,472
0
0 (20,654) 0 0 (20,654) 0 0
0 (829,228) 0 0 (829,228) 0 0
0 (309,614) 0 0 (309,614) 0 0
(6,286) (19,540) 492 (3,116) (22,164) (50) (50)
0 0 0 0 0 0 0
0
0 (164,050) 0 0 (164,050) 0 0
0 (30,401) 0 0 (30,401) 0 0
0 215,327 0 0 215,327 0 0
0 60,280 0 0 60,280 0 0
366,830 (1,662,146) 4,500 20,255 (1,637,390) 185,435 235,302
(257,391) (108,458) (20,882) (13,852) (143,192) (3,875) (5,585)

(257,391) (108,458) (20,882) (13,852) (143,192) (3,875) (5,585)
(1,260,238) 10,182 (258,268) 61,276 (186,810) (33,932) (245,171)

1,557,176 2,050,323 964 1,003 2,052,290 1,011 953
0 0 0 0 0 0 0
0 0 0 0 0 0 0
(577,656) (609,189) 0 0 (609,189) (150,000) 0
0 305,279 0 0 305,279 0 0
(280,718) 1,756,595 (257,304) 62,279 1,561,570 (182,921) (244,218)
(171,279) (14,009) (273,686) 68,683 (219,012) (1,361) (14,501)
584,904 552,975 538,966 265,280 552,975 333,963 332,602
413,626 538,966 265,280 333,963 333,963 332,602 318,101
1,103,208 1,173,499 1,178,032 1,180,559 1,180,559 1,164,538 1,162,230

219,981 251,570 250,088 248,747 248,747 247,741 245,286
187,720 155,686 159,804 163,371 163,371 165,077 161,350
17,684 17,572 17,819 18,090 18,090 19,296 20,332
0 0 0 0 0 0 0
1,528,594 1,598,327 1,605,744 1,610,767 1,610,767 1,596,653 1,589,197
19,432,941 20,652,194 20,787,585 20,905,948 20,905,948 20,812,052 20,748,666

3,931,511 4,689,389 4,662,462 4,638,077 4,638,077 4,614,865 4,565,500
1,751,616 1,448,086 1,486,392 1,519,569 1,519,569 1,535,438 1,500,768
736,831 717,267 727,111 737,903 737,903 787,302 829,668
0 0 0 0 0 0 0
25,852,900 27,506,937 27,663,549 27,801,497 27,801,497 27,749,657 27,644,602
5.7% 5.7% 5.7% 5.6% 5.6% 5.6% 5.6%

5.6% 5.4% 5.4% 5.4% 5.4% 5.4% 5.4%
10.7% 10.8% 10.8% 10.8% 10.8% 10.8% 10.8%
2.4% 2.4% 2.5% 2.5% 2.5% 2.5% 2.5%
0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
5.9% 5.8% 5.8% 5.8% 5.8% 5.8% 5.7%
31,903 35,513 37,412 39,320 39,320 39,349 39,378

8,411 10,435 10,077 10,077 10,077 10,077 10,077
40,314 45,948 47,489 49,397 49,397 49,426 49,455
87,079 93,534 97,426 102,450 102,450 102,528 102,607

14,563 21,668 18,826 18,826 18,826 18,826 18,826
101,642 115,202 116,252 121,276 121,276 121,354 121,433
36.6% 38.0% 38.4% 38.4% 38.4% 38.4% 38.4%

57.8% 48.2% 53.5% 53.5% 53.5% 53.5% 53.5%
39.7% 39.9% 40.9% 40.7% 40.7% 40.7% 40.7%
6.0% 6.0% 6.0% 5.9% 5.9% 5.9% 5.9%
370,379 383,895 49,549 49,743 483,187 42,579 42,792

586,817 580,524 60,570 60,495 701,589 62,730 62,608
(108,094) (111,490) (9,843) (9,808) (131,142) (12,050) (12,053)
849,102 852,929 100,275 100,430 1,053,634 93,259 93,346
4,085 13,271 1,541 1,908 48,403 29 29
25,852,900 27,506,937 27,663,549 27,801,497 27,801,497 27,749,657 27,644,602

101,642 115,202 116,252 121,276 121,276 121,354 121,433
25,537,654 26,138,910 26,360,705 26,580,418 26,580,418 26,761,416 26,920,430

4.0% 3.9% 4.6% 4.5% 4.0% 4.2% 4.2%
1,244,520 1,315,808 1,322,374 1,326,332 1,322,712 1,322,712 1,316,573
6.0% 6.0% 6.0% 5.9% 5.9% 5.9% 5.9%
4.8% 4.8% 4.8% 4.8% 4.7% 4.7% 4.7%
1.25% 1.2% 1.2% 1.2% 1.2% 1.2% 1.2%
1,103,208 1,173,499 1,178,032 1,180,559 1,180,559 1,164,538 1,162,230

219,981 251,570 250,088 248,747 248,747 247,741 245,286
187,720 155,686 159,804 163,371 163,371 165,077 161,350
17,684 17,572 17,819 18,090 18,090 19,296 20,332
0 0 0 0 0 0 0
1,528,594 1,598,327 1,605,744 1,610,767 1,610,767 1,596,653 1,589,197
25,748,522 26,103,312 26,191,576 26,340,078 26,340,078 26,311,524 26,299,611

4,019,010 4,732,623 4,705,696 4,681,311 4,681,311 4,658,099 4,608,734
1,751,616 1,448,086 1,486,392 1,519,569 1,519,569 1,535,438 1,500,768
750,597 735,148 744,991 755,784 755,784 805,183 847,548
0 0 0 0 0 0 0
32,269,745 33,019,169 33,128,655 33,296,742 33,296,742 33,310,244 33,256,661
4.3% 4.5% 4.5% 4.5% 4.5% 4.4% 4.4%

5.5% 5.3% 5.3% 5.3% 5.3% 5.3% 5.3%
10.7% 10.8% 10.8% 10.8% 10.8% 10.8% 10.8%
2.4% 2.4% 2.4% 2.4% 2.4% 2.4% 2.4%
4.7% 4.8% 4.8% 4.8% 4.8% 4.8% 4.8%
31,903 35,513 37,412 39,320 39,320 39,349 39,378

8,411 10,435 10,077 10,077 10,077 10,077 10,077
40,314 45,948 47,489 49,397 49,397 49,426 49,455
87,079 93,534 97,426 102,450 102,450 102,528 102,607

14,563 21,668 18,826 18,826 18,826 18,826 18,826
101,642 115,202 116,252 121,276 121,276 121,354 121,433
36.6% 38.0% 38.4% 38.4% 38.4% 38.4% 38.4%

57.8% 48.2% 53.5% 53.5% 53.5% 53.5% 53.5%
39.7% 39.9% 40.9% 40.7% 40.7% 40.7% 40.7%
4.8% 5.0% 5.0% 5.0% 5.0% 4.9% 4.9%
370,379 383,895 49,549 49,743 483,187 42,579 42,792

586,817 580,524 60,570 60,495 701,589 62,730 62,608
(108,094) (111,490) (9,843) (9,808) (131,142) (12,050) (12,053)
849,102 852,929 100,275 100,430 1,053,634 93,259 93,346
4,085 13,271 1,541 1,908 1,908 29 29
32,269,745 33,019,169 33,128,655 33,296,742 33,296,742 33,310,244 33,256,661

101,642 115,202 116,252 121,276 121,276 121,354 121,433
30,922,009 31,524,893 31,774,336 32,012,276 32,012,276 32,223,413 32,411,115
1.4% 1.5% 1.9% 1.9% 1.5% 1.6% 1.6%

2.3% 2.2% 2.3% 2.3% 2.2% 2.3% 2.3%
-0.4% -0.4% -0.4% -0.4% -0.4% -0.4% -0.4%
3.3% 3.2% 3.8% 3.8% 3.3% 3.5% 3.5%
1.6% 1.7% 1.2% 1.2% 1.7% 1.5% 1.5%
1,386,604 2,413,681 224,428 234,841 2,872,950 222,611 224,877

2,232,262 3,688,917 384,130 401,953 4,475,000 345,133 348,646
1,197,025 1,177,666 103,217 108,006 1,388,889 106,860 107,948

66,800 65,676 6,200 6,200 78,076 3,883 3,565
598,753 700,855 57,456 57,456 815,768 62,771 58,512
787,092 663,793 81,013 81,313 826,119 68,331 55,573
7,073 7,782 727 748 9,257 1,294 1,218
2,656,743 2,615,772 248,613 253,723 3,118,108 243,140 226,816
47.0% 48.8% 46.0% 46.0% 48.3% 48.0% 48.0%
29.2% 31.9% 26.9% 26.9% 31.0% 31.0% 31.0%
15,202,218 15,928,801 1,393,430 1,458,081 18,780,312 1,474,674 1,489,685

594,520 644,913 55,800 55,800 756,513 35,338 32,441
3,293,143 4,262,722 344,738 344,738 4,952,199 364,073 339,370
2,754,821 2,311,501 270,000 271,000 2,852,501 237,383 193,061
549,360 554,187 51,028 52,528 657,743 86,972 82,395
22,394,062 23,702,125 2,114,996 2,182,148 27,999,268 2,198,440 2,136,952
28.0% 29.3% 29.4% 29.4% 29.3% 29.0% 29.0%
34.0% 34.3% 34.0% 34.0% 34.2% 34.0% 34.0%
38.0% 40.8% 38.0% 38.0% 40.4% 39.0% 39.0%
56.5% 59.9% 56.5% 56.5% 59.2% 57.0% 57.0%
15.5% 18.9% 16.1% 16.1% 18.5% 18.5% 18.5%
32.8% 34.3% 34.1% 33.9% 34.2% 33.3% 32.7%
10.7% 9.7% 10.1% 10.1% 10.1% 11.0% 11.0%
22.2% 24.6% 23.9% 23.8% 24.1% 22.3% 21.7%
32,269,745 33,019,169 33,128,655 33,296,742 33,296,742 33,310,244 33,256,661

1,113,112 1,250,513 150,437 149,121 1,550,071 121,404 128,436
2.8% 2.6% 3.0% 2.8% 2.6% 2.5% 2.4%
4.7% 4.2% 4.4% 4.5% 4.2% 4.8% 4.6%
2.8% 2.5% 2.8% 2.7% 2.5% 2.5% 2.4%
7.5% 6.7% 7.2% 7.1% 6.7% 7.3% 7.0%
10.4% 9.3% 10.2% 9.9% 9.3% 9.8% 9.5%
3.4 3.6 3.5 3.4 3.4 3.4 3.3
4.5 4.5 4.4 4.3 4.3 4.3 4.2
23.7% 25.1% 29.4% 28.5% 24.7% 23.3% 24.1%
5.0% 5.1% 6.2% 6.1% 5.3% 4.9% 5.3%
12,500 13,639 14,100 14,100 14,100 14,500 14,500
Mar-16 Apr-16 May-16 Jun-16 Jul-16 Aug-16 Sep-16 Oct-16
137,503 138,423 139,113 140,650 131,769 131,286 131,073 130,651

2,287 2,287 2,287 2,287 2,287 2,287 2,287 2,287
1,103 1,139 1,115 1,121 1,118 1,102 1,111 1,052
4,127 2,130 1,983 1,458 2,014 1,795 2,399 5,838
2,122 952 2,044 2,433 1,617 2,414 2,342 3,420
430 459 518 491 415 337 424 476
147,572 145,391 147,061 148,440 139,219 139,221 139,636 143,725
64,288 67,068 69,923 73,449 67,500 68,769 67,821 68,095
2,448 2,539 2,720 2,902 2,871 2,861 2,942 2,962
12,388 9,438 9,020 8,709 9,955 12,326 10,065 15,971
79,124 79,045 81,663 85,060 80,327 83,956 80,828 87,029
18,790 18,549 17,849 18,655 17,307 19,309 17,800 20,095
10,903 10,912 10,923 10,931 10,943 10,971 10,996 11,014
9,622 8,781 9,062 7,257 8,301 9,150 10,740 8,250
7,705 7,789 8,588 9,522 8,591 9,133 8,944 9,418
6,195 5,121 5,030 4,382 5,198 4,783 5,231 7,506
16,902 17,088 16,944 17,202 17,173 17,070 17,194 17,120
3,218 2,473 2,134 2,378 2,485 2,207 2,400 2,275
762 426 373 409 395 698 591 613
6,077 5,326 5,827 5,042 4,008 5,203 5,743 6,337
643 388 337 412 837 642 510 496
2,421 2,381 2,918 2,890 2,777 2,940 2,722 3,051
120 395 203 317 279 173 272 403
67 66 81 80 77 81 75 85
83,425 79,696 80,271 79,477 78,371 82,360 83,219 86,662
310,121 304,131 308,995 312,978 297,917 305,537 303,683 317,416
625,870 631,438 641,895 724,751 694,178 698,155 704,503 704,757

94,968 101,240 108,122 116,983 98,854 103,071 101,145 103,954
720,838 732,679 750,018 841,733 793,032 801,226 805,648 808,711
158,613 166,445 157,272 227,259 216,950 219,272 220,742 210,858
562,225 566,234 592,746 614,475 576,082 581,953 584,906 597,853

230,997 225,086 227,332 227,918 217,590 221,581 222,855 230,387
79,124 79,045 81,663 85,060 80,327 83,956 80,828 87,029
252,104 262,102 283,751 301,497 278,165 276,416 281,223 280,437
17,678 16,263 16,627 13,634 14,252 18,100 13,972 16,588

(62,866) (71,202) (80,443) (90,636) (66,656) (71,761) (68,472) (71,919)
(43,534) (43,996) (44,679) (44,778) (44,920) (45,285) (45,129) (45,000)
12,030 12,047 12,108 12,215 12,374 12,411 12,459 12,472
(76,692) (86,888) (96,386) (109,566) (84,951) (86,536) (87,170) (87,859)
175,412 175,215 187,365 191,931 193,214 189,880 194,053 192,578
46,557 47,654 52,019 54,196 51,184 51,204 51,409 51,360

(2,704) (3,850) (5,177) (6,213) (2,881) (3,734) (2,896) (3,216)
43,853 43,804 46,841 47,983 48,304 47,470 48,513 48,145
131,559 131,411 140,524 143,948 144,911 142,410 145,540 144,434
5,576,405 5,707,964 5,839,375 5,463,675 5,607,623 5,752,534 5,894,944 6,040,484
0 0 516,224 0 0 0 0 273,452
0 0 0 0 0 0 0 0
5,707,964 5,839,375 5,463,675 5,607,623 5,752,534 5,894,944 6,040,484 5,911,466
366,682 518,594 379,632 373,875 317,652 380,068 269,364 253,431
42,748,834 43,074,083 43,589,770 44,264,632 44,423,105 44,690,674 44,848,750 45,064,019

(6,356,814) (6,429,947) (6,497,820) (6,569,977) (6,644,460) (6,718,520) (6,781,641) (6,833,747)
(8,724,629) (8,817,659) (8,960,956) (9,095,903) (9,124,439) (9,179,515) (9,191,946) (9,217,568)
(1,589,365) (1,597,551) (1,614,422) (1,640,660) (1,642,726) (1,649,648) (1,653,211) (1,660,141)
26,078,026 26,228,926 26,516,573 26,958,092 27,011,480 27,142,991 27,221,952 27,352,562
80,769 80,769 80,769 80,769 80,769 80,769 80,769 80,769
1,756,272 1,756,272 1,756,272 1,756,272 1,756,272 1,756,272 1,756,272 1,756,272
1,524 1,524 1,524 1,524 1,524 1,524 1,524 1,524
433,805 433,805 433,805 433,805 433,805 433,805 433,805 433,805
117,732 121,582 126,759 132,972 135,853 139,587 142,483 145,699
488,213 483,395 484,511 486,856 505,107 517,550 535,331 539,903
72,028 72,077 72,127 72,177 72,226 72,276 72,326 72,376
0 0 0 0 0 0 0 0
2,950,342 2,949,424 2,955,767 2,964,375 2,985,557 3,001,783 3,022,509 3,030,347
29,395,049 29,696,943 29,851,972 30,296,343 30,314,688 30,524,842 30,513,825 30,636,341
423,052 423,052 423,052 423,052 423,052 423,052 423,052 423,052

0 0 0 0 0 0 0 0
520,792 520,792 520,792 520,792 520,792 520,792 520,792 520,792
808,044 808,044 808,044 808,044 808,044 808,044 808,044 808,044
171,208 171,208 171,208 171,208 171,208 171,208 171,208 171,208
15,720,686 15,890,168 16,420,033 16,719,887 16,592,728 16,659,875 16,502,735 16,753,924
5,234,683 5,235,683 5,236,547 5,237,116 5,237,709 5,238,307 5,238,890 5,239,234
0 0 0 0 0 0 0 0
22,878,465 23,048,948 23,579,677 23,880,099 23,753,534 23,821,278 23,664,721 23,916,255
630,000 630,000 630,000 630,000 630,000 630,000 630,000 630,000

5,886,584 6,017,995 5,642,295 5,786,244 5,931,154 6,073,565 6,219,105 6,090,086
6,516,584 6,647,995 6,272,295 6,416,244 6,561,154 6,703,565 6,849,105 6,720,086

29,395,050 29,696,943 29,851,972 30,296,343 30,314,688 30,524,842 30,513,825 30,636,341
38,600 47,054 38,097 69,439 59,466 62,078 67,532 58,144

0 0 0 0 0 0 0 0
52,077 52,077 52,077 64,737 64,737 64,737 98,414 98,414
1,026 1,001 864 569 593 598 583 345
45,948 45,948 45,948 72,724 72,724 72,724 35,503 35,503
0 0 0 0 0 0 0 0
20,962 20,366 20,286 19,790 19,431 19,136 18,711 18,453
158,613 166,445 157,272 227,259 216,950 219,272 220,742 210,858
14,645 13,226 13,585 10,587 11,201 15,044 10,912 13,524

0 0 0 0 0 0 0 0
3,033 3,037 3,042 3,046 3,051 3,056 3,060 3,065
0 0 0 0 0 0 0 0
17,678 16,263 16,627 13,634 14,252 18,100 13,972 16,588
(62,866) (71,202) (80,443) (90,636) (66,656) (71,761) (68,472) (71,919)

(43,534) (43,996) (44,679) (44,778) (44,920) (45,285) (45,129) (45,000)
(106,400) (115,198) (125,122) (135,415) (111,576) (117,046) (113,601) (116,919)
12,030 12,047 12,108 12,215 12,374 12,411 12,459 12,472

0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
12,030 12,047 12,108 12,215 12,374 12,411 12,459 12,472
32,074,442 32,258,228 32,529,843 32,848,900 33,033,355 33,239,650 33,304,423 33,355,478

(7,805,414) (7,888,265) (7,996,434) (8,072,377) (8,125,191) (8,183,925) (8,188,700) (8,188,942)
24,269,027 24,369,962 24,533,409 24,776,523 24,908,164 25,055,726 25,115,723 25,166,536
9,797,259 9,986,345 10,184,501 10,394,545 10,591,132 10,790,674 10,979,208 11,166,708
(7,757,422) (7,967,443) (8,177,755) (8,388,828) (8,601,337) (8,814,611) (9,029,015) (9,243,799)
2,039,837 2,018,903 2,006,746 2,005,718 1,989,795 1,976,063 1,950,193 1,922,910
5,455,992 5,517,858 5,639,618 5,831,953 5,712,397 5,668,450 5,658,237 5,710,306

(1,059,957) (1,084,926) (1,126,924) (1,185,970) (1,168,515) (1,169,686) (1,179,092) (1,203,852)
4,396,035 4,432,932 4,512,694 4,645,983 4,543,882 4,498,764 4,479,145 4,506,453
747,417 780,282 816,863 858,395 883,806 912,919 943,850 978,381
(524,418) (530,176) (535,078) (539,257) (542,796) (545,800) (548,361) (550,537)
222,999 250,107 281,786 319,138 341,010 367,119 395,489 427,844
1,882,917 1,902,569 1,943,000 2,000,936 2,046,264 2,083,301 2,125,052 2,162,968

(379,271) (387,507) (400,348) (417,108) (430,849) (442,353) (454,655) (465,835)
1,503,645 1,515,062 1,542,652 1,583,828 1,615,415 1,640,949 1,670,397 1,697,134
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
1,069,821 1,123,592 1,185,950 1,255,159 1,297,457 1,353,263 1,412,529 1,481,686
(177,694) (187,216) (198,363) (210,782) (217,777) (227,322) (237,472) (249,527)
892,127 936,376 987,587 1,044,377 1,079,679 1,125,941 1,175,057 1,232,159
2,928 2,928 2,928 2,928 2,928 2,928 2,928 2,928
(101) (101) (101) (101) (101) (101) (101) (101)
2,827 2,827 2,827 2,827 2,827 2,827 2,827 2,827
33,326,497 33,526,169 33,867,701 34,378,394 34,480,773 34,667,389 34,788,832 34,955,863
(6,356,814) (6,429,947) (6,497,820) (6,569,977) (6,644,460) (6,718,520) (6,781,641) (6,833,747)

697,708 730,255 761,114 790,335 817,893 843,770 867,972 890,588
(5,659,106) (5,699,692) (5,736,706) (5,779,642) (5,826,567) (5,874,749) (5,913,669) (5,943,159)
(1,478,188) (1,482,577) (1,490,914) (1,503,937) (1,508,700) (1,515,376) (1,516,132) (1,516,966)

(247,974) (251,768) (258,189) (268,031) (263,738) (262,850) (263,507) (267,015)
(161,659) (162,886) (165,853) (170,280) (173,676) (176,421) (179,587) (182,461)
(21,933) (23,015) (24,264) (25,649) (26,517) (27,644) (28,839) (30,228)
0 0 0 0 0 0 0 0
320,389 322,695 324,798 327,238 329,904 332,642 334,853 336,529
(1,589,365) (1,597,551) (1,614,422) (1,640,660) (1,642,726) (1,649,648) (1,653,211) (1,660,141)
26,078,026 26,228,926 26,516,573 26,958,092 27,011,480 27,142,991 27,221,952 27,352,562
121,512 121,590 121,669 121,748 121,826 121,905 121,984 122,062

(49,484) (49,513) (49,542) (49,571) (49,600) (49,629) (49,658) (49,687)
72,028 72,077 72,127 72,177 72,226 72,276 72,326 72,376
1,155,973 1,162,068 1,174,107 1,187,383 1,216,578 1,239,991 1,268,768 1,284,355

(667,761) (678,673) (689,596) (700,527) (711,470) (722,441) (733,438) (744,452)
488,213 483,395 484,511 486,856 505,107 517,550 535,331 539,903
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
743,916 744,158 744,232 744,305 744,381 744,457 744,532 744,610
4,490,767 4,491,526 4,492,315 4,492,811 4,493,328 4,493,850 4,494,358 4,494,624
5,234,683 5,235,683 5,236,547 5,237,116 5,237,709 5,238,307 5,238,890 5,239,234
131,559 131,411 140,524 143,948 144,911 142,410 145,540 144,434

10,903 10,912 10,923 10,931 10,943 10,971 10,996 11,014
(2,704) (3,850) (5,177) (6,213) (2,881) (3,734) (2,896) (3,216)
168 8,186 16,870 26,238 2,067 6,922 3,563 6,930
0 0 0 0 0 0 0 0
139,925 146,659 163,140 174,905 155,040 156,569 157,203 159,162
(69,836) (199,671) (341,532) (510,694) (102,379) (186,616) (121,443) (167,031)

47,047 40,586 37,014 42,936 46,925 48,182 38,920 29,490
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
(50) (50) (50) (50) (50) (50) (50) (50)
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
117,086 (12,477) (141,427) (292,903) 99,536 18,086 74,630 21,571
(6,929) (6,094) (12,039) (13,276) (29,194) (23,413) (28,777) (15,586)

(6,929) (6,094) (12,039) (13,276) (29,194) (23,413) (28,777) (15,586)
1,627,398 169,482 529,865 299,853 (127,158) 67,146 (157,140) 251,189

(1,688,974) 1,001 864 569 593 598 583 345
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 (516,224) 0 0 0 0 (273,452)
0 0 0 0 0 0 0 0
(61,576) 170,483 14,505 300,423 (126,565) 67,744 (156,557) (21,918)
48,581 151,912 (138,962) (5,756) (56,224) 62,417 (110,704) (15,933)
318,101 366,682 518,594 379,632 373,875 317,652 380,068 269,364
366,682 518,594 379,632 373,875 317,652 380,068 269,364 253,431
1,160,099 1,162,182 1,168,415 1,178,999 1,181,096 1,185,034 1,183,578 1,182,737

246,118 249,911 256,332 266,175 261,882 260,993 261,650 265,159
161,659 162,886 165,853 170,280 173,676 176,421 179,587 182,461
21,489 22,571 23,821 25,206 26,073 27,200 28,396 29,784
0 0 0 0 0 0 0 0
1,589,365 1,597,551 1,614,422 1,640,660 1,642,726 1,649,648 1,653,211 1,660,141
20,710,873 20,750,287 20,864,562 21,063,713 21,132,507 21,218,154 21,213,362 21,207,401

4,575,800 4,639,804 4,751,246 4,921,887 4,841,658 4,822,649 4,831,400 4,891,064
1,503,645 1,515,062 1,542,652 1,583,828 1,615,415 1,640,949 1,670,397 1,697,134
877,074 921,323 972,534 1,029,324 1,064,626 1,110,888 1,160,004 1,217,105
0 0 0 0 0 0 0 0
27,667,391 27,826,477 28,130,994 28,598,752 28,654,206 28,792,640 28,875,163 29,012,704
5.6% 5.6% 5.6% 5.6% 5.6% 5.6% 5.6% 5.6%

5.4% 5.4% 5.4% 5.4% 5.4% 5.4% 5.4% 5.4%
10.8% 10.8% 10.8% 10.8% 10.8% 10.8% 10.8% 10.8%
2.5% 2.4% 2.4% 2.4% 2.4% 2.4% 2.4% 2.4%
0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
5.7% 5.7% 5.7% 5.7% 5.7% 5.7% 5.7% 5.7%
39,407 39,436 39,465 39,494 39,523 39,552 39,580 39,609

10,077 10,077 10,077 10,077 10,077 10,077 10,077 10,077
49,484 49,513 49,542 49,571 49,600 49,629 49,658 49,687
102,685 102,764 102,843 102,921 103,000 103,079 103,157 103,236

18,826 18,826 18,826 18,826 18,826 18,826 18,826 18,826
121,512 121,590 121,669 121,748 121,826 121,905 121,984 122,062
38.4% 38.4% 38.4% 38.4% 38.4% 38.4% 38.4% 38.4%

53.5% 53.5% 53.5% 53.5% 53.5% 53.5% 53.5% 53.5%
40.7% 40.7% 40.7% 40.7% 40.7% 40.7% 40.7% 40.7%
5.9% 5.9% 5.9% 5.9% 5.9% 5.9% 5.9% 5.9%
43,505 43,967 44,650 44,750 44,891 45,256 45,100 44,971

62,698 63,017 63,572 64,398 64,590 64,839 64,909 64,989
(12,030) (12,047) (12,108) (12,215) (12,374) (12,411) (12,459) (12,472)
94,173 94,936 96,114 96,933 97,107 97,684 97,551 97,488
29 29 29 29 29 29 29 29
27,667,391 27,826,477 28,130,994 28,598,752 28,654,206 28,792,640 28,875,163 29,012,704

121,512 121,590 121,669 121,748 121,826 121,905 121,984 122,062
27,086,787 27,271,399 27,469,057 27,678,531 27,839,458 27,990,871 28,135,685 28,268,799

4.2% 4.2% 4.2% 4.2% 4.2% 4.2% 4.2% 4.1%
1,316,499 1,322,875 1,336,116 1,357,044 1,358,469 1,363,803 1,366,491 1,371,762
5.9% 5.9% 5.9% 5.9% 5.9% 5.9% 5.9% 5.9%
4.7% 4.7% 4.7% 4.7% 4.7% 4.7% 4.7% 4.7%
1.2% 1.2% 1.2% 1.2% 1.2% 1.2% 1.2% 1.2%
1,160,099 1,162,182 1,168,415 1,178,999 1,181,096 1,185,034 1,183,578 1,182,737

246,118 249,911 256,332 266,175 261,882 260,993 261,650 265,159
161,659 162,886 165,853 170,280 173,676 176,421 179,587 182,461
21,489 22,571 23,821 25,206 26,073 27,200 28,396 29,784
0 0 0 0 0 0 0 0
1,589,365 1,597,551 1,614,422 1,640,660 1,642,726 1,649,648 1,653,211 1,660,141
26,308,864 26,388,865 26,540,154 26,782,241 26,897,959 27,031,789 27,065,916 27,089,445

4,619,034 4,683,038 4,794,480 4,965,121 4,884,892 4,865,882 4,874,634 4,934,298
1,503,645 1,515,062 1,542,652 1,583,828 1,615,415 1,640,949 1,670,397 1,697,134
894,954 939,203 990,414 1,047,205 1,082,507 1,128,769 1,177,884 1,234,986
0 0 0 0 0 0 0 0
33,326,497 33,526,169 33,867,701 34,378,394 34,480,773 34,667,389 34,788,832 34,955,863
4.4% 4.4% 4.4% 4.4% 4.4% 4.4% 4.4% 4.4%

5.3% 5.3% 5.3% 5.4% 5.4% 5.4% 5.4% 5.4%
10.8% 10.8% 10.8% 10.8% 10.8% 10.8% 10.8% 10.8%
2.4% 2.4% 2.4% 2.4% 2.4% 2.4% 2.4% 2.4%
4.8% 4.8% 4.8% 4.8% 4.8% 4.8% 4.8% 4.7%
39,407 39,436 39,465 39,494 39,523 39,552 39,580 39,609

10,077 10,077 10,077 10,077 10,077 10,077 10,077 10,077
49,484 49,513 49,542 49,571 49,600 49,629 49,658 49,687
102,685 102,764 102,843 102,921 103,000 103,079 103,157 103,236

18,826 18,826 18,826 18,826 18,826 18,826 18,826 18,826
121,512 121,590 121,669 121,748 121,826 121,905 121,984 122,062
38.4% 38.4% 38.4% 38.4% 38.4% 38.4% 38.4% 38.4%

53.5% 53.5% 53.5% 53.5% 53.5% 53.5% 53.5% 53.5%
40.7% 40.7% 40.7% 40.7% 40.7% 40.7% 40.7% 40.7%
4.9% 4.9% 4.9% 4.9% 4.9% 4.9% 4.9% 4.9%
43,505 43,967 44,650 44,750 44,891 45,256 45,100 44,971

62,698 63,017 63,572 64,398 64,590 64,839 64,909 64,989
(12,030) (12,047) (12,108) (12,215) (12,374) (12,411) (12,459) (12,472)
94,173 94,936 96,114 96,933 97,107 97,684 97,551 97,488
29 29 29 29 29 29 29 29
33,326,497 33,526,169 33,867,701 34,378,394 34,480,773 34,667,389 34,788,832 34,955,863

121,512 121,590 121,669 121,748 121,826 121,905 121,984 122,062
32,609,777 32,823,441 33,045,675 33,278,301 33,476,400 33,643,742 33,805,243 33,967,146
1.6% 1.6% 1.6% 1.6% 1.6% 1.6% 1.6% 1.6%

2.3% 2.3% 2.3% 2.3% 2.3% 2.3% 2.3% 2.3%
-0.4% -0.4% -0.4% -0.4% -0.4% -0.4% -0.4% -0.4%
3.5% 3.5% 3.5% 3.5% 3.5% 3.5% 3.5% 3.4%
1.4% 1.4% 1.4% 1.4% 1.4% 1.4% 1.4% 1.4%
227,970 238,729 250,180 265,189 248,199 251,930 238,032 236,726

353,441 370,122 387,875 411,146 384,805 390,589 369,042 367,018
109,433 114,598 120,094 127,299 119,144 120,935 114,263 113,636

3,947 4,297 4,520 3,660 3,820 4,011 4,042 4,042
67,520 76,523 85,521 99,026 58,512 67,520 72,021 81,024
64,131 66,336 71,212 75,828 75,185 75,420 76,870 77,450
1,332 1,314 1,460 1,590 1,268 1,505 1,590 1,758
246,362 263,067 282,807 307,403 257,928 269,390 268,787 277,911
48.0% 48.0% 48.0% 48.0% 48.0% 48.0% 48.0% 48.0%
31.0% 31.0% 31.0% 31.0% 31.0% 31.0% 31.0% 31.0%
1,510,172 1,581,447 1,657,302 1,756,733 1,644,181 1,668,896 1,576,831 1,568,181

35,917 39,103 41,131 33,310 34,759 36,497 36,786 36,786
391,613 443,831 496,022 574,348 339,370 391,613 417,722 469,939
222,793 230,450 247,390 263,426 261,192 262,009 267,047 269,063
89,541 88,741 97,903 106,028 87,363 100,078 105,231 115,659
2,250,036 2,383,573 2,539,747 2,733,845 2,366,864 2,459,092 2,403,618 2,459,629
29.0% 29.0% 29.0% 29.0% 29.0% 29.0% 29.0% 29.0%
34.0% 34.0% 34.0% 34.0% 34.0% 34.0% 34.0% 34.0%
39.0% 39.0% 39.0% 39.0% 39.0% 39.0% 39.0% 39.0%
57.0% 57.0% 57.0% 57.0% 57.0% 57.0% 57.0% 57.0%
18.5% 18.5% 18.5% 18.5% 18.5% 18.5% 18.5% 18.5%
33.1% 33.2% 33.3% 33.4% 33.2% 33.2% 33.4% 33.5%
11.0% 11.0% 11.0% 11.0% 11.0% 11.0% 11.0% 11.0%
22.1% 22.2% 22.3% 22.4% 22.2% 22.2% 22.4% 22.5%
33,326,497 33,526,169 33,867,701 34,378,394 34,480,773 34,667,389 34,788,832 34,955,863

131,559 131,411 140,524 143,948 144,911 142,410 145,540 144,434
2.6% 2.5% 2.6% 2.7% 2.5% 2.6% 2.5% 2.7%
4.8% 4.7% 4.7% 4.7% 4.4% 4.3% 4.3% 4.4%
2.7% 2.6% 2.6% 2.5% 2.5% 2.6% 2.6% 2.7%
7.5% 7.2% 7.2% 7.2% 6.8% 6.9% 6.9% 7.1%
10.0% 9.7% 9.8% 9.9% 9.3% 9.5% 9.4% 9.8%
3.2 3.2 3.5 3.4 3.3 3.3 3.2 3.3
4.1 4.0 4.4 4.3 4.2 4.1 4.0 4.2
24.2% 23.7% 26.9% 26.9% 26.5% 25.5% 25.5% 25.8%
5.4% 5.3% 5.6% 5.7% 5.7% 5.6% 5.7% 5.7%
14,500 14,500 14,500 14,500 14,500 14,500 14,500 14,500
Nov-16 Dec-16 2016 2017 2018
130,721 131,201 1,616,450 1,764,126 1,931,718

2,287 2,287 27,447 28,820 31,557
972 1,027 13,141 13,798 15,108
10,191 7,906 43,643 45,825 50,178
3,702 2,777 26,512 27,837 30,482
428 451 5,467 5,741 6,286
148,301 145,650 1,732,660 1,886,146 2,065,330
67,290 69,842 809,662 917,617 1,009,482
2,992 3,012 32,985 46,101 50,110
15,807 15,279 138,940 150,055 165,061
86,088 88,134 981,587 1,113,774 1,224,653
19,853 19,754 226,052 244,136 268,550
11,041 11,058 131,481 127,533 133,597
11,532 12,042 111,834 117,425 129,168
10,269 11,232 104,585 109,814 120,796
4,843 5,890 63,410 66,580 73,238
17,174 17,222 204,970 221,206 242,249
2,518 2,643 26,337 27,654 30,420
602 612 6,667 7,001 7,701
6,084 6,218 65,130 68,387 75,225
516 825 6,714 7,050 7,755
3,080 3,229 33,008 34,658 38,124
481 1,371 4,972 5,221 5,743
85 89 914 960 1,056
88,077 92,186 986,075 1,037,625 1,133,621
322,467 325,970 3,700,322 4,037,545 4,423,604
Nov-16 Dec-16 2016 2017 2018
683,077 703,491 8,002,899 8,681,544 9,312,193

102,214 108,253 1,221,100 1,352,806 1,493,828
785,291 811,744 9,223,999 10,034,350 10,806,021
192,465 208,504 2,292,490 2,479,444 2,679,246
592,827 603,240 6,931,508 7,554,906 8,126,774

236,379 237,836 2,718,735 2,923,772 3,198,952
86,088 88,134 981,587 1,113,774 1,224,653
270,359 277,271 3,231,186 3,517,361 3,703,170
15,118 16,399 188,985 177,064 177,498

(69,403) (77,011) (834,139) (1,005,335) (1,088,403)
(45,179) (45,225) (533,154) (566,370) (626,409)
12,487 12,485 147,192 144,051 167,814
(86,976) (93,351) (1,031,115) (1,250,590) (1,369,501)
183,383 183,920 2,200,071 2,266,771 2,333,669
49,214 50,370 574,566 612,918 623,249

(3,368) (4,390) (24,548) (46,225) (39,831)
45,846 45,980 550,018 566,693 583,417
137,537 137,940 1,650,053 1,700,078 1,750,252
5,911,466 6,049,003 5,476,565 6,186,942 7,058,413
0 0 939,675 828,608 853,333

0 0 0 0 0
6,049,003 6,186,942 6,186,942 7,058,413 7,955,332
Nov-16 Dec-16 2016 2017 2018
328,150 279,016 279,016 335,806 350,059
45,226,212 45,543,728 45,543,728 50,187,777 55,478,681

(6,874,456) (6,909,020) (6,909,020) (7,653,751) (8,333,957)
(9,242,143) (9,299,779) (9,299,779) (10,255,846) (11,862,629)
(1,664,566) (1,676,442) (1,676,442) (1,844,640) (2,017,763)
27,445,047 27,658,487 27,658,487 30,433,541 33,264,331
80,769 80,769 80,769 80,769 80,769
1,756,272 1,756,272 1,756,272 1,756,272 1,756,272
1,524 1,524 1,524 1,524 1,524
433,805 433,805 433,805 433,805 433,805
149,067 153,458 153,458 199,682 239,514
548,981 550,450 550,450 602,108 649,494
72,425 72,475 72,475 80,740 86,396
0 0 0 0 0
3,042,844 3,048,753 3,048,753 3,154,900 3,247,774
30,816,041 30,986,256 30,986,256 33,924,247 36,862,164
423,052 423,052 423,052 423,052 423,052

0 0 0 0 0
520,792 520,792 520,792 520,792 520,792
808,044 808,044 808,044 808,044 808,044
171,208 171,208 171,208 171,208 171,208
16,795,751 16,827,676 16,827,676 19,635,602 26,175,115
5,239,570 5,239,921 5,239,921 4,498,515 0
0 0 0 0 0
23,958,418 23,990,693 23,990,693 26,057,213 28,098,211
630,000 630,000 630,000 630,000 630,000

6,227,623 6,365,563 6,365,563 7,237,034 8,133,953
6,857,623 6,995,563 6,995,563 7,867,034 8,763,953

30,816,041 30,986,256 30,986,256 33,924,247 36,862,164
Nov-16 Dec-16 2016 2017 2018
63,452 79,633 661,262 732,163 790,736

0 0 0 0 0
40,834 40,834 731,160 819,190 861,623
336 350 8,228 3,594 1,485
69,820 69,820 656,552 685,109 780,672
0 0 0 0 0
18,022 17,866 235,290 239,388 244,730
192,465 208,504 2,292,490 2,479,444 2,679,246
12,048 13,325 152,400 148,633 149,745

0 0 0 0 0
3,069 3,074 36,585 28,431 27,753
0 0 0 0 0
15,118 16,399 188,985 177,064 177,498
(69,403) (77,011) (834,139) (1,005,335) (1,088,403)

(45,179) (45,225) (533,154) (566,370) (626,409)
(114,582) (122,236) (1,367,292) (1,571,705) (1,714,812)
12,487 12,485 147,192 144,051 167,814

0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
12,487 12,485 147,192 144,051 167,814
Nov-16 Dec-16 2016 2017 2018
33,358,969 33,442,074 33,442,074 37,646,177 41,066,816

(8,186,488) (8,200,217) (8,200,217) (9,277,853) (10,686,416)
25,172,481 25,241,857 25,241,857 28,368,324 30,380,400
11,348,250 11,538,207 11,538,207 14,093,457 16,993,848
(9,458,930) (9,673,951) (9,673,951) (12,245,684) (15,127,536)
1,889,320 1,864,256 1,864,256 1,847,774 1,866,312
5,754,969 5,856,895 5,856,895 5,408,735 6,073,625

(1,227,221) (1,265,156) (1,265,156) (1,246,184) (1,425,853)
4,527,748 4,591,739 4,591,739 4,162,551 4,647,772
1,012,947 1,051,114 1,051,114 1,459,811 1,936,795
(552,401) (553,988) (553,988) (561,182) (561,729)
460,545 497,125 497,125 898,629 1,375,066
2,199,351 2,232,866 2,232,866 2,491,912 2,763,176

(476,759) (486,888) (486,888) (562,232) (639,221)
1,722,592 1,745,977 1,745,977 1,929,680 2,123,955
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
1,560,230 1,647,685 1,647,685 1,891,724 2,330,858
(263,381) (278,932) (278,932) (313,714) (388,313)
1,296,850 1,368,753 1,368,753 1,578,010 1,942,545
2,928 2,928 2,928 2,928 2,928
(101) (101) (101) (101) (101)
2,827 2,827 2,827 2,827 2,827
35,072,364 35,312,535 35,312,535 38,787,795 42,338,877
(6,874,456) (6,909,020) (6,909,020) (7,653,751) (8,333,957)

911,705 931,414 931,414 1,144,137 1,277,174
(5,962,751) (5,977,606) (5,977,606) (6,509,614) (7,056,784)
(1,515,022) (1,517,699) (1,517,699) (1,691,793) (1,811,819)

(270,188) (275,971) (275,971) (275,351) (329,662)
(185,198) (187,713) (187,713) (207,463) (228,349)
(31,800) (33,546) (33,546) (38,749) (47,740)
0 0 0 0 0
337,642 338,486 338,486 368,716 399,807
(1,664,566) (1,676,442) (1,676,442) (1,844,640) (2,017,763)
27,445,047 27,658,487 27,658,487 30,433,541 33,264,331
122,141 122,219 122,219 135,531 144,635

(49,716) (49,745) (49,745) (54,791) (58,240)
72,425 72,475 72,475 80,740 86,396
1,304,474 1,317,001 1,317,001 1,496,192 1,677,175

(755,493) (766,551) (766,551) (894,084) (1,027,681)
548,981 550,450 550,450 602,108 649,494
0 0 0 0 0
0 0 0 0 0
744,686 744,765 744,765 (1) (1)
4,494,885 4,495,156 4,495,156 4,498,516 1
5,239,570 5,239,921 5,239,921 4,498,515 0
Nov-16 Dec-16 2016 2017 2018
137,537 137,940 1,650,053 1,700,078 1,750,252

11,041 11,058 131,481 127,533 133,597
(3,368) (4,390) (24,548) (46,225) (39,831)
4,425 11,876 65,676 168,198 173,123
0 0 0 0 0
149,635 156,483 1,822,662 1,949,584 2,017,141
(116,501) (240,171) (2,015,793) (3,475,260) (3,551,082)

19,592 14,855 482,361 532,009 547,169
0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
(50) (50) (597) (8,265) (5,656)
0 0 0 0 0
0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
52,675 (68,882) 288,633 (1,001,932) (992,428)
(20,120) (12,527) (177,417) (179,191) (180,983)

(20,120) (12,527) (177,417) (179,191) (180,983)
41,827 31,925 2,455,285 2,807,926 6,539,513

336 350 (1,681,772) (741,406) (4,498,515)
0 0 0 0 0
0 0 0 0 0
0 0 (939,675) (828,608) (853,333)
0 0 0 0 0
42,164 32,275 (166,163) 1,237,913 1,187,665
74,719 (49,134) (54,947) 56,790 14,254
253,431 328,150 333,963 279,016 335,806
328,150 279,016 279,016 335,806 350,059
Nov-16 Dec-16 2016 2017 2018
1,179,679 1,181,512 1,181,512 1,325,376 1,414,311

268,332 274,115 274,115 273,495 327,806
185,198 187,713 187,713 207,463 228,349
31,357 33,103 33,103 38,306 47,297
0 0 0 0 0
1,664,566 1,676,442 1,676,442 1,844,640 2,017,763
21,160,165 21,189,622 21,189,622 23,767,598 25,251,043

4,945,060 5,045,630 5,045,630 5,017,946 5,979,604
1,722,592 1,745,977 1,745,977 1,929,680 2,123,955
1,281,797 1,353,700 1,353,700 1,562,957 1,927,492
0 0 0 0 0
29,109,613 29,334,929 29,334,929 32,278,181 35,282,094
5.6% 5.6% 5.6% 5.6% 5.6%

5.4% 5.4% 5.4% 5.5% 5.5%
10.8% 10.8% 10.8% 10.8% 10.8%
2.4% 2.4% 2.4% 2.5% 2.5%
0.0% 0.0% 0.0% 0.0% 0.0%
5.7% 5.7% 5.7% 5.7% 5.7%
39,638 39,667 39,667 44,714 48,162

10,077 10,077 10,077 10,077 10,077
49,716 49,745 49,745 54,791 58,240
103,315 103,393 103,393 116,705 125,809

18,826 18,826 18,826 18,826 18,826
122,141 122,219 122,219 135,531 144,635
38.4% 38.4% 38.4% 38.3% 38.3%

53.5% 53.5% 53.5% 53.5% 53.5%
40.7% 40.7% 40.7% 40.4% 40.3%
5.9% 5.9% 5.9% 5.9% 5.9%
45,150 45,196 532,807 561,323 622,961

64,978 65,135 768,463 837,138 915,280
(12,487) (12,485) (147,192) (144,051) (167,814)
97,641 97,845 1,154,077 1,254,410 1,370,427
29 29 347 5,047 3,448
29,109,613 29,334,929 29,334,929 32,278,181 35,282,094

122,141 122,219 122,219 135,531 144,635
28,392,615 28,521,642 28,521,642 30,990,627 33,852,967

4.1% 4.1% 4.0% 4.0% 4.0%
1,375,110 1,384,486 1,384,486 1,523,444 1,665,056
5.9% 5.9% 5.9% 5.9% 5.9%
4.7% 4.7% 4.7% 4.7% 4.7%
1.2% 1.2% 1.2% 1.2% 1.2%
Nov-16 Dec-16 2016 2017 2018
1,179,679 1,181,512 1,181,512 1,325,376 1,414,311

268,332 274,115 274,115 273,495 327,806
185,198 187,713 187,713 207,463 228,349
31,357 33,103 33,103 38,306 47,297
0 0 0 0 0
1,664,566 1,676,442 1,676,442 1,844,640 2,017,763
27,061,801 27,106,113 27,106,113 30,216,098 32,246,712

4,988,294 5,088,864 5,088,864 5,061,180 6,022,838
1,722,592 1,745,977 1,745,977 1,929,680 2,123,955
1,299,677 1,371,581 1,371,581 1,580,837 1,945,372
0 0 0 0 0
35,072,364 35,312,535 35,312,535 38,787,795 42,338,877
4.4% 4.4% 4.4% 4.4% 4.4%

5.4% 5.4% 5.4% 5.4% 5.4%
10.8% 10.8% 10.8% 10.8% 10.8%
2.4% 2.4% 2.4% 2.4% 2.4%
4.7% 4.7% 4.7% 4.8% 4.8%
39,638 39,667 39,667 44,714 48,162

10,077 10,077 10,077 10,077 10,077
49,716 49,745 49,745 54,791 58,240
103,315 103,393 103,393 116,705 125,809

18,826 18,826 18,826 18,826 18,826
122,141 122,219 122,219 135,531 144,635
38.4% 38.4% 38.4% 38.3% 38.3%

53.5% 53.5% 53.5% 53.5% 53.5%
40.7% 40.7% 40.7% 40.4% 40.3%
4.9% 4.9% 4.9% 4.9% 4.9%
45,150 45,196 532,807 561,323 622,961

64,978 65,135 768,463 837,138 915,280
(12,487) (12,485) (147,192) (144,051) (167,814)
97,641 97,845 1,154,077 1,254,410 1,370,427
29 29 347 5,047 3,448
35,072,364 35,312,535 35,312,535 38,787,795 42,338,877

122,141 122,219 122,219 135,531 144,635
34,125,618 34,294,068 34,294,068 37,284,613 40,794,966
1.6% 1.6% 1.6% 1.5% 1.5%

2.3% 2.3% 2.2% 2.2% 2.2%
-0.4% -0.4% -0.4% -0.4% -0.4%
3.4% 3.4% 3.4% 3.4% 3.4%
1.4% 1.4% 1.5% 1.5% 1.5%
Nov-16 Dec-16 2016 2017 2018
229,204 239,828 2,873,475 3,070,200 3,360,450

355,355 371,827 4,455,000 4,760,000 5,210,000
110,025 115,125 1,379,361 1,503,089 1,657,366

4,106 4,106 48,000 49,900 51,397
81,024 90,028 900,000 1,000,000 1,200,000
78,321 78,901 863,558 931,437 1,012,085
1,925 2,093 18,349 15,557 20,224
275,402 290,253 3,209,268 3,499,982 3,941,072
48.0% 48.0% 48.0% 49.0% 49.3%
31.0% 31.0% 31.0% 31.6% 31.8%
1,518,350 1,588,729 19,035,183 21,043,241 23,534,600

37,366 37,366 436,800 459,080 477,992
469,939 522,161 5,220,000 5,800,000 6,960,000
272,086 274,101 3,000,000 3,274,000 3,601,000
126,087 136,516 1,222,513 1,086,463 1,412,336
2,423,829 2,558,872 28,914,496 31,662,784 35,985,928
29.0% 29.0% 29.0% 29.0% 29.0%
34.0% 34.0% 34.0% 34.0% 34.0%
39.0% 39.0% 39.0% 39.0% 39.0%
57.0% 57.0% 57.0% 57.0% 57.0%
18.5% 18.5% 18.5% 17.2% 17.2%
33.6% 33.5% 33.3% 33.4% 33.3%
11.0% 11.0% 11.0% 11.0% 11.0%
22.6% 22.5% 22.3% 22.4% 22.3%
35,072,364 35,312,535 35,312,535 38,787,795 42,338,877

137,537 137,940 1,650,053 1,700,078 1,750,252
2.6% 2.7% 2.5% 2.6% 2.6%
4.5% 4.4% 4.4% 4.4% 4.4%
2.7% 2.8% 2.5% 2.4% 2.4%
7.2% 7.3% 6.9% 6.8% 6.8%
9.9% 9.9% 9.4% 9.4% 9.4%
3.2 3.2 3.2 3.1 3.0
4.1 4.0 4.0 3.9 3.8
24.1% 23.7% 23.6% 21.6% 20.0%
5.4% 5.3% 5.3% 5.0% 4.7%
14,500 14,500 14,500 15,000 15,000
MASTER BUDGET AF OL I
FY 2015 Jan-16 Feb-16
Contract in Unit :
- NMC 1,351,215 106,860 107,948
- UMC Reguler 70,542 3,883 3,565
- UMC Financing 760,180 62,771 58,512
- MPF 974,737 68,331 55,573
- Car 8,714 1,294 1,218
Total Contract in Unit 3,165,388 243,140 226,816

- NMC 17,280,025,677,072.00 1,474,674,373,028.86 1,489,685,353,633.22
- UMC Reguler 651,207,612,023.00 35,337,931,034.48 32,441,379,310.34
- UMC Financing 4,477,259,482,052.00 364,073,250,000.00 339,369,600,000.00
- MPF 3,318,645,495,000.00 237,382,630,810.41 193,060,649,245.99
- Car 669,116,960,693.48 86,972,063,210.15 82,394,557,181.63
Total Amount Contract Value 26,396,255,226,840.50 2,198,440,248,083.90 2,136,951,539,371.18
AF per unit
- NMC 12,788,509.36 13,800,000.00 13,800,000.00
- UMC Reguler 9,231,487.79 9,100,000.00 9,100,000.00
- UMC Financing 5,889,735.96 5,800,000.00 5,800,000.00
- MPF 3,404,658.87 3,474,000.00 3,474,000.00
- Car 76,783,057.61 67,223,952.23 67,634,124.58
TARGET CLA
Contract in Unit :
- NMC 1,386,073 106,860 107,948
- UMC Reguler 70,800 3,883 3,565
- UMC Financing 717,070 62,771 58,512
- MPF 1,008,770 68,331 55,573
- Car - 0 0
Total Contract in Unit 3,182,713 241,846 225,598
AF per unit Jan-16 Feb-16

- NMC 10,000,000 10,000,000 10,000,000
- UMC Reguler 8,966,102 9,100,000.00 9,100,000.00
- UMC Financing 5,705,500 5,800,000.00 5,800,000.00
- MPF 3,400,000 3,474,000.00 3,474,000.00
- Car - 0 0

- NMC 13,860,730,000,000.00 1,068,604,618,136.85 1,079,482,140,313.93
- UMC Reguler 634,800,000,000.00 35,337,931,034.48 32,441,379,310.34
- UMC Financing 4,091,242,930,052.22 364,073,250,000.00 339,369,600,000.00
- MPF 3,429,816,808,942.42 237,382,630,810.41 193,060,649,245.99
- Car - - -
Total Amount Contract Value 22,016,589,738,994.60 1,705,398,429,981.74 1,644,353,768,870.26
Mar-16 Apr-16 May-16 Jun-16 Jul-16
109,433 114,598 120,094 127,299 119,144

3,947 4,297 4,520 3,660 3,820
67,520 76,523 85,521 99,026 58,512
64,131 66,336 71,212 75,828 75,185
1,332 1,314 1,460 1,590 1,268
246,362 263,067 282,807 307,403 257,928
1,510,172,495,039.18 1,581,447,393,259.91 1,657,301,912,681.97 1,756,733,000,510.88 1,644,180,934,478.15

35,917,241,379.31 39,103,448,275.86 41,131,034,482.76 33,310,344,827.59 34,758,620,689.66
391,613,100,000.00 443,830,500,000.00 496,021,800,000.00 574,347,900,000.00 339,369,600,000.00
222,792,625,024.82 230,450,029,718.63 247,389,617,732.89 263,426,309,997.86 261,191,582,430.08
89,540,798,047.47 88,741,179,392.10 97,902,674,484.34 106,027,753,117.28 87,362,916,609.58
2,250,036,259,490.78 2,383,572,550,646.50 2,539,747,039,381.95 2,733,845,308,453.61 2,366,863,654,207.46
13,800,000.00 13,800,000.00 13,800,000.00 13,800,000.00 13,800,000.00

9,100,000.00 9,100,000.00 9,100,000.00 9,100,000.00 9,100,000.00
5,800,000.00 5,800,000.00 5,800,000.00 5,800,000.00 5,800,000.00
3,474,000.00 3,474,000.00 3,474,000.00 3,474,000.00 3,474,000.00
67,243,365.96 67,543,166.25 67,036,045.52 66,686,126.93 68,880,581.72
109,433 114,598 120,094 127,299 119,144

3,947 4,297 4,520 3,660 3,820
67,520 76,523 85,521 99,026 58,512
64,131 66,336 71,212 75,828 75,185
0 0 0 0 0
245,031 261,753 281,347 305,813 256,660
Mar-16 Apr-16 May-16 Jun-16 Jul-16

10,000,000 10,000,000 10,200,000.00 10,200,000.00 10,200,000.00
9,100,000.00 9,100,000.00 9,100,000.00 9,100,000.00 9,100,000.00
5,800,000.00 5,800,000.00 5,800,000.00 5,800,000.00 5,800,000.00
3,474,000.00 3,474,000.00 3,474,000.00 3,474,000.00 3,474,000.00
0 0 0 0 0
1,094,327,894,955.93 1,145,976,371,927.47 1,224,962,283,286.67 1,298,454,826,464.57 1,215,264,168,962.11

35,917,241,379.31 39,103,448,275.86 41,131,034,482.76 33,310,344,827.59 34,758,620,689.66
391,613,100,000.00 443,830,500,000.00 496,021,800,000.00 574,347,900,000.00 339,369,600,000.00
222,792,625,024.82 230,450,029,718.63 247,389,617,732.89 263,426,309,997.86 261,191,582,430.08
- - - - -
1,744,650,861,360.06 1,859,360,349,921.96 2,009,504,735,502.31 2,169,539,381,290.01 1,850,583,972,081.84
Aug-16 Sep-16 Oct-16 Nov-16 Dec-16
120,935 114,263 113,636 110,025 115,125

4,011 4,042 4,042 4,106 4,106
67,520 72,021 81,024 81,024 90,028
75,420 76,870 77,450 78,321 78,901
1,505 1,590 1,758 1,925 2,093
269,390 268,787 277,911 275,402 290,253
1,668,896,350,485.34 1,576,831,425,858.57 1,568,181,030,256.05 1,518,350,390,041.56 1,588,728,748,662.03

36,496,551,724.14 36,786,206,896.55 36,786,206,896.55 37,365,517,241.38 37,365,517,241.38
391,613,100,000.00 417,721,800,000.00 469,939,200,000.00 469,939,200,000.00 522,160,950,000.00
262,008,773,845.75 267,047,404,112.01 269,062,856,218.52 272,086,034,378.28 274,101,486,484.78
100,077,698,716.90 105,230,991,667.25 115,659,217,987.50 126,087,444,307.75 136,515,670,628.01
2,459,092,474,772.13 2,403,617,828,534.38 2,459,628,511,358.62 2,423,828,585,968.97 2,558,872,373,016.19
13,800,000.00 13,800,000.00 13,800,000.00 13,800,000.00 13,800,000.00

9,100,000.00 9,100,000.00 9,100,000.00 9,100,000.00 9,100,000.00
5,800,000.00 5,800,000.00 5,800,000.00 5,800,000.00 5,800,000.00
3,474,000.00 3,474,000.00 3,474,000.00 3,474,000.00 3,474,000.00
66,477,081.32 66,163,314.38 65,791,044.65 65,483,545.11 65,225,264.81
120,935 114,263 113,636 110,025 115,125

4,011 4,042 4,042 4,106 4,106
67,520 72,021 81,024 81,024 90,028
75,420 76,870 77,450 78,321 78,901
0 0 0 0 0
267,885 267,197 276,153 273,476 288,160
Aug-16 Sep-16 Oct-16 Nov-16 Dec-16

10,200,000.00 10,200,000.00 10,200,000.00 10,200,000.00 10,200,000.00
9,100,000.00 9,100,000.00 9,100,000.00 9,100,000.00 9,100,000.00
5,800,000.00 5,800,000.00 5,800,000.00 5,800,000.00 5,800,000.00
3,474,000.00 3,474,000.00 3,474,000.00 3,474,000.00 3,474,000.00
0 0 0 0 0
1,233,532,085,141.34 1,165,484,097,373.72 1,159,090,326,710.99 1,122,258,983,943.76 1,174,277,770,750.19

36,496,551,724.14 36,786,206,896.55 36,786,206,896.55 37,365,517,241.38 37,365,517,241.38
391,613,100,000.00 417,721,800,000.00 469,939,200,000.00 469,939,200,000.00 522,160,950,000.00
262,008,773,845.75 267,047,404,112.01 269,062,856,218.52 272,086,034,378.28 274,101,486,484.78
- - - - -
1,923,650,510,711.23 1,887,039,508,382.29 1,934,878,589,826.06 1,901,649,735,563.42 2,007,905,724,476.36
2016 2015 vs 2016
1,379,361
48,000
900,000
863,558
18,349
3,209,268
19,035,183,407,935.70
436,800,000,000.00
5,220,000,000,000.00
3,000,000,000,000.00
1,222,512,965,349.96
28,914,496,373,285.70
13,800,000.00
9,100,000.00
5,800,000.00
3,474,000.00
66,627,276.43
1,379,361
48,000
900,000
863,558
0
3,190,919
10,136,370.67
9,100,000.00
5,800,000.00
3,474,000.00
-
13,981,715,567,967.50
436,800,000,000.00
5,220,000,000,000.00
3,000,000,000,000.00
-
22,638,515,567,967.50
FIF GROUP
MONTHLY REVIEW
Financial Highlight
in million
Full Year Full Year MB DESCRIPTION Actual Actual Actual Actual MB MTD MB MTD MB MTD MB MTD YTD Actual YTD Actual YTD Actual YTD Actual MB YTD MB YTD Actual YTD Actual
2015 2016 Jan-16 Feb-16 Mar-15 Apr-16 Jan-16 Feb-16 Mar-16 Apr-16 Jan-15 Feb-15 Mar-16 Apr-16 Mar-16 Apr-16 Mar-15 Mar-15
Financial Highlight
33,589,962 35,312,535 NSA IDR 33,779,976 33,676,918 33,662,274 33,829,927 33,310,244 33,256,661 33,326,497 33,526,169 33,779,976 30,772,950 33,662,274 33,829,927 33,326,497 33,526,169 30,765,785 30,765,785
(5,475,970) (5,977,606) NSA - JF IDR (5,635,103) (5,691,031) (5,784,476) (5,924,578) (5,560,587) (5,612,059) (5,659,106) (5,699,692) (5,635,103) (5,239,144) (5,784,476) (5,924,578) (5,659,106) (5,699,692) (5,321,999) (5,321,999)
28,113,992 29,334,929 NSA Own Risk IDR 28,144,873 27,985,887 27,877,798 27,905,349 27,749,657 27,644,602 27,667,391 27,826,477 28,144,873 25,533,806 27,877,798 27,905,349 27,667,391 27,826,477 25,443,786 25,443,786
14,770,411 16,827,676 Bank Loans IDR 14,868,118 13,888,578 15,300,958 12,008,276 15,720,686 15,890,168 14,868,118 15,300,958 12,008,276 15,720,686 15,890,168 15,949,791 15,949,791
6,921,693 5,239,921 Bonds IDR 6,922,704 6,923,657 5,234,854 8,600,684 5,234,683 5,235,683 6,922,704 5,234,854 8,600,684 5,234,683 5,235,683 4,066,023 4,066,023
21,692,104 22,067,597 Total Borrowing IDR 21,790,822 20,812,235 20,535,811 20,608,960 21,261,164 21,016,946 20,955,369 21,125,852 21,790,822 19,638,708 20,535,811 20,608,960 20,955,369 21,125,852 20,015,814 20,015,814
6,239,142 6,995,563 Equity IDR 6,262,728 6,445,591 6,449,575 6,068,314 6,256,590 6,385,025 6,516,584 6,647,995 6,262,728 5,426,982 6,449,575 6,068,314 6,516,584 6,647,995 5,482,002 5,482,002
29,650,818 30,986,256 Total Assets IDR 29,878,781 29,168,700 29,036,128 29,239,894 29,440,850 29,325,067 29,395,049 29,696,943 29,878,781 26,794,998 29,036,128 29,239,894 29,395,049 29,696,943 27,274,888 27,274,888
8,463,350 9,223,999 Revenue IDR 717,307 700,070 719,697 723,023 681,505 1,373,080 720,838 732,679 717,307 613,800 2,137,075 2,860,097 2,093,918 2,826,596 648,578 1,937,342
(2,113,030) (2,292,490) Financial Charges IDR (172,436) (165,970) (164,520) (156,550) (157,566) (314,111) (158,613) (166,445) (172,436) (162,310) (502,927) (659,477) (472,724) (639,169) (168,035) (500,621)
6,350,321 6,931,508 Gross Profit IDR 544,871 534,100 555,177 566,473 523,939 1,058,969 562,225 566,234 544,871 451,490 1,634,148 2,200,621 1,621,193 2,187,427 480,544 1,436,721
(2,428,384) (2,718,735) Operating Expenses IDR (208,574) (211,748) (215,192) (218,588) (224,557) (440,775) (230,997) (225,086) (208,574) (195,838) (635,515) (854,103) (671,771) (896,857) (200,495) (625,026)
(936,653) (981,587) Direct Exp (Marketing) IDR (77,832) (74,575) (78,304) (85,476) (75,573) (150,334) (79,124) (79,045) (77,832) (67,831) (230,711) (316,187) (229,459) (308,504) (72,741) (222,595)
2,985,284 3,231,186 Operating Profit IDR 258,466 247,777 261,681 262,408 223,809 467,860 252,104 262,102 258,466 187,820 767,923 1,030,331 719,963 982,066 207,308 589,099
185,931 188,985 Interest & Penalty Income IDR 14,864 13,336 15,667 17,421 17,238 30,355 17,678 16,263 14,864 16,832 43,868 61,288 48,033 64,296 19,482 51,781
(745,230) (834,139) Allowance for doubtful accounts IDR (62,038) (52,061) (67,785) (68,711) (48,617) (103,769) (62,866) (71,202) (62,038) (35,047) (181,885) (250,596) (166,635) (237,837) (44,376) (123,233)
(466,845) (533,154) Loss on repossessed asset IDR (39,621) (37,721) (39,410) (36,182) (42,608) (85,429) (43,534) (43,996) (39,621) (36,994) (116,751) (152,933) (128,963) (172,959) (42,459) (121,472)
152,437 147,192 Other Income IDR 11,894 10,374 12,255 10,979 12,050 24,104 12,030 12,047 11,894 11,336 34,523 45,502 36,133 48,181 11,686 34,167
2,111,578 2,200,071 NPBT IDR 183,565 181,704 182,407 185,916 161,872 333,120 175,412 175,215 183,565 143,947 547,677 733,592 508,532 683,746 151,641 430,342
(531,110) (550,018) Income Tax IDR (46,064) (45,870) (44,786) (46,082) (40,468) (83,280) (43,853) (43,804) (46,064) (32,149) (136,721) (182,803) (127,133) (170,937) (37,805) (97,847)
1,580,468 1,650,053 NPAT IDR 137,501 135,834 137,621 139,834 121,404 249,840 131,559 131,411 137,501 111,798 410,956 550,789 381,399 512,810 113,836 332,495
Net Profit Contribution JF SanF IDR 2,245 2,244 2,469 2,752 2,245 4,489 6,957 9,710
NPAT II FIFGROUP IDR 139,745 138,078 140,090 142,586 139,745 277,824 417,913 560,499
9.2% 9.4% Total Expense % to ASA - rolling average % 9.3% 9.3% 9.4% 9.6% 9.81% 9.60% 10.0% 9.7% 9.3% 9.70% 9.3% 9.2% 9.7% 9.7% 9.9% 10.3%
6.7% 6.9% Opex % to ASA - rolling average % 6.8% 6.8% 6.9% 6.9% 7.34% 7.16% 7.5% 7.2% 6.79% 7.21% 6.8% 6.7% 7.2% 7.2% 7.3% 7.6%
25.3% 23.6% ROE - Annualized % 26.3% 25.3% 25.6% 27.7% 23.3% 23.5% 24.2% 23.7% 26.3% 24.7% 25.5% 27.2% 23.4% 23.1% 24.9% 24.3%
4.4 4.1 DER (incl. JF) % 4.4 4.1 4.1 4.4 4.3 4.1 4.1 4.0 4.4% 4.6 4.1 4.4 3.9 4.0 4.6 4.6
13,795 14,500 USD/IDR 13,846 13,395 13,276 13204 14,500 14,500 14,500 14500 13,846 12,863 13,276 13204 14,500 14500 13,084 13,084
Weight Target CLA
No Item Unit
2016 2015
1 NPAT IDR Bio 25.00% 1,403.66

2 Net Losses to ASA-1 % 25.00% 6.50%
3 Total Amount Finance IDR Bio 10.00% 22,484.44
4 M/S to Honda Credit Sales % 5.00% 45.00%

5 Time service ratio ≤ 6 hours % 7.50% 70.00%
6 Balance overdue > 60 days % 10.00% 2.50%

7 Stock aging > 90 days # 10.00% 1.00%
8 Talent turn over % 7.50% 8.00%

CLA Points
Projection
Projection
Notes CLA
Actual 2015 Achievement
Target CLA 2015 Points
2015
2015
OL1 1,580.47 112.60% 28.15%

CLA Target 3.87% 125.00% 31.25%
CLA Target 28,812.15 125.00% 12.50%
CLA Target 48.97% 108.83% 5.44%

CLA Target 93.97% 125.00% 9.38%
CLA Target 1.40% 125.00% 12.50%

CLA Target 0.00% 125.00% 12.50%
CLA Target 0.00% 125.00% 9.38%

121.09%
Projection
Notes Notes Projection
Target CLA Projection CLA
Target CLA Projection Achievement
2016 Actual 2016 Points
2016 Actual 2016 2016
2016
1,650.05 OL 3 1,700.00 Operational 103.03% 25.76%

6.50% CLA 4.05% Operational 125.00% 31.25%
22,638.52 CLA 28,914.50 OL III 125.00% 12.50%
45.00% CLA 48.00% 2015 106.67% 5.33%

70.00% CLA 93.97% 201500.00% 125.00% 9.38%
2.50% CLA 1.40% Operational 125.00% 12.50%

1.00% CLA 0.00% Operational 125.00% 12.50%
8.00% CLA 0.00% Operational 125.00% 9.38%

118.59%
Formulation
Lebih besar lebih baik Actual vs target

Lebih kecil lebih baik 1+((Target - Actual)/ Target)
Lebih besar lebih baik ∆1% = 10% achievement



Masukan RAP
Max 125%
Max 125%
Max 125%
Max 125%
Max 125%
Max 125%
Max 125%
Max 125%
FIF GROUP
December-15 YTD 2014
Description Dec-14 Jan-15
Honda Credit Sales (AHM) unit 3,135,291 235,465
Honda Sales ( AHM ) unit 4,841,961 350,788
Contract in Unit :
- NMC unit 1,462,234 113,557
- UMC Reguler unit 77,777 6,076
- UMC Financing unit 698,546 67,326
- MPF unit 841,351 69,292
- New Car unit 1,460 142
- Used Car unit 5,370 579
Total Contract in Unit unit 3,086,738 256,972
Motor - New / Honda Credit Sales (AHM) % 46.6% 48.2%
Motor - New / Honda Sales ( AHM ) % 30.2% 32.4%
- NMC Rp. 18,419,408 1,461,017
- UMC Reguler Rp. 721,072 58,729
- UMC Financing Rp. 4,181,718 403,356
- MPF Rp. 2,847,655 235,563
- New Car Rp. 202,160 19,014
- Used Car Rp. 363,513 39,475
Total Amount Contract Value Rp. 26,735,526 2,217,153
WAR NMC % 29.3% 29.6%

WAR UMC Reguler % 33.2% 33.5%
WAR UMC Financing % 41.1% 41.1%
WAR MPF % 55.4% 58.4%
WAR New Car % 14.4% 15.7%
WAR Used Car % 18.5% 19.1%
Average WAR % 33.75% 34.57%
COF % 9.82% 9.68%
Spread % 23.9% 24.9%
Write off 605,001 55,292
FIF GROUP
Outstanding Account unit 4,270,599 4,304,905
A/R Quality :
Net Service Asset ( Principal ) Rp. 30,604,429 30,842,518
Balance overdue 1 - 30 days Rp. 1,303,573 1,337,614
Balance overdue 31 - 60 days Rp. 384,161 386,835
Balance overdue 61 - 90 days Rp. 203,826 216,938
Balance overdue > 90 days Rp. 228,662 234,336
Balance overdue > 60 days Rp. 432,488 451,274
Balance overdue 1 - 30 days % 4.26% 4.34%
Balance overdue > 90 days % 0.75% 0.76%
Balance overdue > 60 days % 1.41% 1.46%
Beginning Stock unit 5,404 5,293

In Stock unit 93,870 10,501
Sold Stock unit 93,981 9,502
Ending Stock unit 5,293 6,292
Total Borrowing Rp. 19,428,605 19,656,843

Other Liabilities Rp. 1,841,941 1,744,558
Equity Rp. 5,046,797 5,196,138
Total Asset Rp. 26,317,343 26,597,540
Net Profit After Tax Rp. 1,352,601 106,861
Total Expense to ASA - Rolling Average % 9.62% 11.58%

Marketing exp to ASA - rolling average % 2.80% 3.06%
Employee exp to ASA - rolling average % 4.29% 4.63%
Others exp to ASA - rolling average % 2.53% 3.89%
Productivity 266 269
OPM (Operating Profit / Total Revenue) % 35.6% 28.7%
NPM (NPAT / Total Revenue) % 18.5% 15.8%
DER excl. JF (Borrowing / Net Worth) 3.8 3.8
DER incl. JF (Borrowing + JF / Net Worth) 4.9 4.8
ROE (NPAT / Equity) % 26.8% 24.7%
ROA (NPAT / Asset) % 5.1% 4.8%
EPS (NPAT / Total Shares) - Annualized Rp. 4,829 4,578
# of Employee 16,046 15,991

USD/IDR 12,440 12,625
# of Branches 176 179
# of Outlets 409 413
FIF GROUP
Revenue
Consumer financing - Gross Rp. 9,297,744 901,633
Consumer financing - JF Rp. (663,086) (56,271)
Dealer Incentive Amortization Rp. (2,354,700) (249,962)
Consumer financing - net Rp. 6,279,958 595,401
Administration Income Rp. 1,015,505 79,563
TOTAL OPERATING REVENUE Rp. 7,295,463 674,964
Interest and financial charges Rp. 1,633,475 170,277
GROSS PROFIT Rp. 5,661,987 504,687
Operating expenses Rp. 2,173,637 228,693

Marketing expenses Rp. 889,037 82,023
OPERATING PROFIT Rp. 2,599,314 193,971

Interest & penalty income Rp. 211,512 15,467
Allowance for doubtful accounts Rp. (804,997) (43,810)
Gain/(loss) on repossessed asset Rp. (368,903) (42,019)
Other income (expense) Rp. 159,691 11,145
Total other income (expense) Rp. (802,697) (59,217)
INCOME BEFORE TAX Rp. 1,796,617 134,754
Income tax expense

Current tax Rp. 374,991 16,112
Provision for income tax Rp. 69,024 11,781
Total provision for income tax Rp. 444,016 27,893
NET INCOME Rp. 1,352,601 106,861
Retained Earning Beginning 4,149,457 4,543,455
Dividend 958,935 0
Adjustment Retained Earning (332) 0
RETAINED EARNING ENDING 4,543,455 4,650,316
FIF GROUP
Supplementary IS 12
Loan interest expenses Rp. 407,883 44,721

JF interest expenses Rp. 0 0
Bonds interest expenses Rp. 502,986 33,686
Bonds issuance expenses Rp. 9,775 641
Swap Cost Rp. 525,418 73,037
Forex differential Rp. 19,211 408
Bank charges Rp. 168,202 17,784
Interest and financial charges Rp. 1,633,475 170,277
Penalty income Rp. 142,200 13,180

Time deposits Rp. 0 0
Current accounts Rp. 69,312 2,287
Mutual fund Rp. 0 0
Interest & penalty income Rp. 211,512 15,467
Recovery of written-off receivables Rp. 144,454 10,588

Gain on sale of fixed assets Rp. 92 (5)
Discount Insurance Rp. 4 0
Others Rp. 15,141 561
Other income-net Rp. 159,691 11,145
FIF GROUP
Employee compensation Rp. 1,244,181 116,543
Employee benefit KEPMEN 150 Rp. 42,679 0
Wages Rp. 6,977 568
Employee welfare Rp. 38,018 6,440
People Development & CopPlan Review Rp. 29,477 497
Recruitment Rp. 3,294 224
EMPLOYEE EXPENSES Rp. 1,364,626 124,272
Advertising and promotion Rp. 747,697 68,774
PGC incentives Rp. 19,495 1,498
Taxes and licenses Marketing Rp. 121,845 11,752
MARKETING EXPENSES Rp. 889,037 82,023
Rent Rp. 165,290 16,530
Depreciation Rp. 104,225 9,678
Communications Rp. 94,098 9,261
Repairs and maintenance Rp. 91,693 12,917
Office supplies Rp. 61,027 5,141
Professional fee Rp. 191,295 16,304
Tax and Licenses Non-Marketing Rp. 9,448 26,195
Insurance Rp. 5,177 389
Travelling Rp. 45,794 4,586
Representation and entertainment Rp. 5,533 520
Electricity, water and gas Rp. 27,475 2,435
Donation and contribution Rp. 7,661 463
Beban extra ordinary Rp. 296 0
OTHERS EXPENSES Rp. 809,011 104,421
TOTAL EXPENSES Rp. 3,062,674 310,716
FIF GROUP
Balance Sheets 12
ASSETS
Cash and cash equivalents Rp. 552,975 579,585

- Consumer financing receivables - gross Rp. 39,395,258 39,677,782
- Joint financing receivables - gross Rp. (5,718,383) (5,784,335)
- Unearned income on consumer financing Rp. (8,241,231) (8,290,055)
- Allowance for doubtful accounts Rp. (1,553,619) (1,542,137)
Consumer financing receivables - net Rp. 23,882,026 24,061,255
Other receivables Rp. 60,115 39,388
Derivative receivables Rp. 927,044 1,022,333
Prepaid tax Rp. 0 21
Prepaid expenses Rp. 125,715 147,238
Deferred tax assets Rp. 242,788 216,847
Fixed assets - net Rp. 476,966 473,100
Repossessed assets - net Rp. 49,714 57,773
Other assets Rp. 0 0
Total Other Assets Rp. 1,882,342 1,956,699
TOTAL ASSETS Rp. 26,317,343 26,597,540

Liabilities
Overdraft Rp.
Other payables Rp. 572,467 361,428
Derivative Payables Rp. 14,636 4,961
Insurance premium payables Rp. 551,193 624,233
Accrued Expenses Rp. 592,718 687,890
Taxes payable Rp. 110,928 66,047
Bank loans Rp. 14,559,201 14,786,854
FIF Bonds Rp. 4,869,403 4,869,989
JF payable Rp. 0 0
Total Liabilities Rp. 21,270,546 21,401,401
Equity
Share capital Rp. 630,000 630,000
Retained Earnings Rp. 4,416,797 4,566,138
Total Equity Rp. 5,046,797 5,196,138
TOTAL LIABILITIES AND EQUITY Rp. 26,317,343 26,597,540
Repossessed assets Rp. 82,391 95,456

Allowance Repossessed assets Rp. (32,677) (37,683)
Repossessed assets - net Rp. 49,714 57,773
Fixed assets Rp. 996,393 1,001,692

Depreciation of Fixed assets Rp. (519,427) (528,592)
Net book value Rp. 476,966 473,100
FIF GROUP
Account Receivables
Provision :
Total Rp. 1,553,619 1,542,137
AR own risk :
- NMC Rp. 19,458,874 19,494,995
- UMC Reguler Rp. 846,413 848,328
- UMC Financing Rp. 3,152,718 3,245,095
- MPF Rp. 1,505,266 1,508,836
- New Car Rp. 137,696 147,389
- Used Car Rp. 334,678 358,749
Total Rp. 25,435,645 25,603,392
% Provision :
Total % 6.1% 6.02%
Repossess Asset
Provision :
Total Rp. 32,677 37,683
Repossess Asset :
- NMC Rp. 57,762 66,429
- UMC Reguler Rp. 3,429 1,957
- UMC Financing Rp. 6,466 9,759
- MPF Rp. 11,237 13,539
- New Car Rp. 688 882
- Used Car Rp. 2,809 2,889
Total Rp. 82,391 95,456
% Provision :
Total % 39.7% 39.5%
Total % 6.2% 6.1%
FIF GROUP
Net Losses
Loss on Repo (LOR) Rp. 362,359 37,013
Write off Rp. 605,001 55,292
Recovery Income Rp. (144,454) (10,588)
Net Losses Rp. 822,906 81,717
NSA-1 Rp. 25,435,645 25,603,392
RA Rp. 82,391 95,456
ASA-1 + ARA 22,842,830 23,222,092

LOR / ASA-1 + ARA 1.6% 1.9%
Write off / ASA-1 + ARA 2.6% 2.9%
Recovery Income / / ASA-1 + ARA -0.6% -0.5%
Net Losses FIF / ASA-1 + ARA 3.60% 4.22%
Surplus (defisit) of provision [ASA-1+ARA] 2.61% 1.92%

Projected Net Losses (YTD) 1,267,226 1,258,558
Provision / NSA-1 & RA 6.2% 6.1%
% Projected Net Losses / NSA-1 & RA 5.0% 4.9%
Surplus (deficit) of provision 1.3% 1.3%
FIF GROUP
AR - ALL :
- NMC Rp. 24,535,153 24,645,949
- UMC Reguler Rp. 921,252 917,659
- UMC Financing Rp. 3,152,718 3,245,095
- MPF Rp. 1,505,266 1,508,836
- New Car Rp. 154,674 165,544
- Used Car Rp. 335,366 359,435
Total Rp. 30,604,429 30,842,518
Feb-15 Mar-15 Apr-15 May-15 Jun-15 Jul-15
202,314 223,820 231,245 255,603 270,078 275,211
317,988 339,140 344,801 382,203 414,243 408,869
94,083 105,190 110,092 124,668 132,007 136,132

5,255 5,986 6,425 7,006 7,515 7,510
63,963 68,224 69,474 76,993 85,752 67,666
56,196 64,472 66,618 71,021 75,368 73,016
82 103 71 71 90 65
593 639 657 745 803 625
220,172 244,614 253,337 280,504 301,535 285,014
46.5% 47.0% 47.6% 48.8% 48.9% 49.5%
29.6% 31.0% 31.9% 32.6% 31.9% 33.3%
1,196,871 1,366,885 1,465,932 1,670,616 1,772,207 1,881,392

50,561 57,742 62,976 68,367 73,350 74,844
385,522 414,202 425,260 471,003 522,402 407,806
191,580 221,080 228,683 245,493 261,407 259,186
11,939 14,299 10,050 11,345 15,116 9,281
38,212 41,232 39,819 46,870 48,113 37,472
1,874,685 2,115,440 2,232,720 2,513,693 2,692,594 2,669,982
29.9% 29.5% 29.0% 29.0% 28.9% 29.2%

33.6% 34.0% 34.2% 34.3% 34.3% 34.7%
41.0% 41.0% 40.9% 40.9% 40.6% 40.7%
60.5% 60.0% 60.0% 59.3% 59.7% 60.80%
15.9% 15.6% 15.4% 14.8% 15.0% 14.8%
19.8% 19.5% 20.2% 19.7% 20.4% 20.3%
35.11% 34.75% 34.39% 34.10% 34.09% 34.02%
9.79% 10.00% 9.36% 9.94% 9.6% 9.7%
25.3% 24.7% 25.0% 24.2% 24.5% 24.3%
56,128 55,618 56,024 57,275 56,041 65,787

4,307,884 4,312,006 4,325,145 4,352,406 4,397,625 4,453,752
30,772,950 30,765,785 30,986,538 31,357,382 31,906,815 32,492,052

1,737,895 1,357,492 1,456,515 1,355,310 1,509,591 1,774,545
419,163 475,771 382,676 434,488 418,926 418,680
214,616 218,125 235,124 229,093 233,107 242,720
235,958 231,055 223,462 238,649 241,605 232,065
450,575 449,180 458,585 467,742 474,712 474,785
5.65% 4.41% 4.70% 4.32% 4.73% 5.46%
1.36% 1.55% 1.23% 1.39% 1.31% 1.29%
0.70% 0.71% 0.76% 0.73% 0.73% 0.75%
0.77% 0.75% 0.72% 0.76% 0.76% 0.71%
1.46% 1.46% 1.48% 1.49% 1.49% 1.46%
6,292 6,056 6,736 7,660 7,995 7,905

9,466 10,405 11,035 10,728 10,521 7,941
9,702 9,725 10,111 10,393 10,611 7,977
6,056 6,736 7,660 7,995 7,905 7,869
19,638,708 20,015,814 20,566,339 20,142,210 20,892,355 21,264,979

1,729,308 1,777,072 2,199,486 2,100,031 1,837,005 1,756,923
5,426,982 5,482,002 5,263,691 5,383,025 5,550,476 5,712,709
26,794,998 27,274,888 28,029,516 27,625,265 28,279,835 28,734,611
111,798 113,836 114,617 121,687 124,683 125,259
9.70% 9.93% 9.82% 9.32% 9.43% 9.49%

2.50% 2.64% 2.69% 2.61% 2.75% 2.77%
4.59% 4.54% 4.51% 4.32% 4.36% 4.36%
2.61% 2.75% 2.62% 2.40% 2.33% 2.36%
268 269 270 271 273 276
30.6% 32.0% 35.2% 36.9% 38.4% 36.4%
18.2% 17.6% 17.0% 18.0% 17.4% 17.7%
3.6 3.7 3.9 3.7 3.8 3.7
4.6 4.6 4.9 4.8 4.7 4.7
24.7% 24.9% 26.1% 27.1% 27.0% 26.3%
5.0% 5.0% 4.9% 5.3% 5.3% 5.2%
4,790 4,877 4,910 5,213 5,342 5,366
16,067 16,030 16,016 16,034 16,119 16,128

12,863 13,084 12,937 13,211 13,332 13,481
183 187 189 191 191 192
417 414 412 411 411 410
847,102 879,270 872,437 860,146 906,705 888,544

(52,957) (63,931) (57,298) (62,559) (59,189) (61,929)
(251,822) (246,956) (232,773) (219,462) (233,455) (212,865)
542,323 568,382 582,366 578,126 614,061 613,750
71,477 80,196 90,456 98,350 101,080 95,330
613,800 648,578 672,821 676,476 715,141 709,080
162,310 168,035 162,536 164,019 171,024 176,637
451,490 480,544 510,285 512,458 544,117 532,443
195,838 200,495 198,759 189,581 191,154 194,467

67,831 72,741 74,985 73,584 78,610 80,169
187,820 207,308 236,541 249,293 274,354 257,807
16,832 19,482 18,238 16,426 13,750 13,954

(35,047) (44,376) (59,079) (73,994) (93,933) (83,708)
(36,994) (42,459) (41,835) (41,948) (41,367) (31,034)
11,336 11,686 11,445 12,289 12,372 10,931
(43,873) (55,667) (71,231) (87,226) (109,179) (89,858)
143,947 151,641 165,310 162,067 165,174 167,949
25,419 22,995 46,707 48,394 39,549 31,123

6,730 14,810 3,987 (8,014) 942 11,567
32,149 37,805 50,694 40,380 40,492 42,690
111,798 113,836 114,617 121,687 124,683 125,259
4,650,316 4,762,114 4,876,147 4,635,763 4,757,450 4,880,741
0 0 355,000 0 0 0
0 (197) 0 0 1,392 0
4,762,114 4,876,147 4,635,763 4,757,450 4,880,741 5,006,000

42,506 43,771 46,658 40,857 37,913 45,440

0 0 0 0 0 0
32,010 33,290 20,937 41,304 47,359 40,576
565 871 888 680 684 690
70,532 70,469 71,054 63,683 71,257 71,360
296 106 (40) 74 92 8
16,400 19,528 23,039 17,421 13,719 18,563
162,310 168,035 162,536 164,019 171,024 176,637
13,183 13,803 13,429 11,414 11,219 11,880

0 0 0 0 0 0
3,649 5,679 4,809 5,012 2,530 2,074
0 0 0 0 0 0
16,832 19,482 18,238 16,426 13,750 13,954
10,876 11,117 10,908 11,749 11,290 10,327

11 15 0 (3) 19 0
1 0 0 0 1 0
449 554 537 544 1,062 604
11,336 11,686 11,445 12,289 12,372 10,931

117,218 118,798 117,048 114,463 118,423 116,892
0 2,576 2,576 2,576 2,576 2,576
602 630 661 640 610 639
6,523 1,124 3,128 2,250 1,541 3,948
185 1,436 2,020 1,642 1,058 1,698
279 371 311 240 431 380
124,807 124,935 125,744 121,811 124,638 126,133
53,326 57,886 62,787 62,853 63,759 66,805
2,137 1,951 2,044 2,153 2,343 2,796
12,368 12,904 10,154 8,579 12,507 10,568
67,831 72,741 74,985 73,584 78,610 80,169
16,125 14,413 12,914 13,372 13,581 14,735
9,765 9,738 9,827 9,606 9,441 9,169
8,070 10,187 7,717 8,320 8,979 7,969
7,677 7,652 7,503 7,130 5,141 6,926
4,509 4,225 4,950 3,719 3,339 4,838
15,549 19,063 19,032 16,366 16,637 16,310
1,399 1,146 2,296 451 1,514 1,465
632 199 479 747 358 358
4,303 5,138 5,211 4,760 4,165 3,062
503 668 457 396 595 885
2,292 2,210 2,368 2,413 2,508 2,428
179 267 259 492 257 187
28 653 4 0 0 0
71,032 75,560 73,015 67,770 66,516 68,334
263,670 273,236 273,744 263,164 269,763 274,636
598,332 724,286 1,505,499 612,808 463,416 563,473
39,564,367 39,456,269 39,738,702 40,240,134 41,028,774 41,808,038

(5,792,002) (5,893,814) (6,012,138) (6,076,542) (5,926,835) (6,261,282)
(8,238,560) (8,118,670) (8,157,257) (8,284,867) (8,538,453) (8,722,388)
(1,521,056) (1,509,815) (1,512,869) (1,529,588) (1,567,481) (1,585,402)
24,012,749 23,933,971 24,056,438 24,349,136 24,996,005 25,238,966
48,379 48,422 63,575 63,385 63,153 63,677
1,301,099 1,429,152 1,273,373 1,437,632 1,589,508 1,735,133
0 207 387 797 1,118 1,544
137,681 431,060 429,525 445,257 459,535 450,019
170,435 175,230 163,885 172,683 157,021 133,129
470,759 469,688 467,756 471,547 476,652 474,227
55,564 62,872 69,079 72,019 73,427 74,443
0 0 0 0 0 0
2,183,917 2,616,630 2,467,580 2,663,321 2,820,414 2,932,171
26,794,998 27,274,888 28,029,516 27,625,265 28,279,835 28,734,611
326,615 338,595 695,685 500,194 365,188 416,665

0 16,550 30,109 7,294 3,716 1,292
638,051 630,340 614,110 597,721 570,770 603,881
683,703 714,631 782,605 887,296 778,872 629,571
80,938 76,955 76,978 107,526 118,458 105,513
14,768,164 15,949,791 15,142,755 14,720,739 15,470,725 15,842,669
4,870,544 4,066,023 5,423,584 5,421,470 5,421,630 5,422,310
0 0 0 0 0 0
21,368,015 21,792,886 22,765,825 22,242,241 22,729,359 23,021,902
630,000 630,000 630,000 630,000 630,000 630,000

4,796,982 4,852,002 4,633,691 4,753,025 4,920,476 5,082,709
5,426,982 5,482,002 5,263,691 5,383,025 5,550,476 5,712,709
26,794,998 27,274,888 28,029,516 27,625,265 28,279,835 28,734,611
92,453 104,333 113,793 118,619 120,500 121,801

(36,890) (41,461) (44,715) (46,599) (47,073) (47,358)
55,564 62,872 69,079 72,019 73,427 74,443
1,008,482 1,016,396 1,024,292 1,037,623 1,051,779 1,058,524

(537,723) (546,708) (556,535) (566,076) (575,128) (584,297)
470,759 469,688 467,756 471,547 476,652 474,227
1,521,056 1,509,815 1,512,869 1,529,588 1,567,481 1,585,402
19,368,813 19,194,573 19,237,784 19,392,931 19,868,777 20,019,336

843,583 840,022 836,909 847,746 868,191 889,765
3,316,518 3,393,339 3,468,016 3,578,097 3,724,922 3,768,994
1,472,718 1,457,830 1,447,748 1,453,626 1,464,676 1,492,775
151,533 155,081 156,521 157,399 162,340 163,831
380,641 402,942 422,329 448,925 474,581 489,668
25,533,806 25,443,786 25,569,307 25,878,724 26,563,486 26,824,369
5.96% 5.93% 5.92% 5.9% 5.9% 5.9%
36,890 41,461 44,715 46,599 47,073 47,358

64,249 73,996 76,066 84,155 84,885 85,875
5,020 5,222 7,656 6,312 6,020 6,554
5,791 6,288 9,346 7,843 8,370 8,462
12,842 13,659 14,951 14,148 14,004 13,446
868 1,048 906 757 757 970
3,684 4,119 4,868 5,405 6,465 6,494
92,453 104,333 113,793 118,619 120,500 121,801
39.9% 39.7% 39.3% 39.3% 39.1% 38.9%
6.1% 6.1% 6.1% 6.1% 6.1% 6.1%
37,787 37,888 38,581 40,063 40,893 30,750

56,128 55,618 56,024 57,275 56,041 65,787
(10,876) (11,117) (10,908) (11,749) (11,290) (10,327)
83,039 82,388 83,697 85,589 85,644 86,209
25,533,806 25,443,786 25,569,307 25,878,724 26,563,486 26,824,369
92,453 104,333 113,793 118,619 120,500 121,801
23,600,332 23,974,595 24,323,883 24,689,506 25,067,257 25,403,304

1.9% 1.9% 1.9% 1.9% 2.0% 1.5%
2.9% 2.8% 2.8% 2.8% 2.7% 3.1%
-0.6% -0.6% -0.5% -0.6% -0.5% -0.5%
4.22% 4.12% 4.13% 4.16% 4.10% 4.07%
1.86% 1.95% 1.94% 1.90% 1.95% 1.99%

1,237,407 1,231,879 1,236,624 1,251,148 1,282,188 1,295,841
6.1% 6.1% 6.1% 6.1% 6.1% 6.1%
4.8% 4.8% 4.8% 4.8% 4.8% 4.8%
1.3% 1.3% 1.2% 1.3% 1.2% 1.3%
24,524,403 24,436,339 24,573,083 24,794,045 25,140,914 25,619,897

907,645 900,231 898,812 905,167 919,417 937,169
3,316,518 3,393,339 3,468,016 3,578,097 3,724,922 3,768,994
1,472,718 1,457,830 1,447,748 1,453,626 1,464,676 1,492,775
170,277 174,363 175,832 176,845 181,651 182,915
381,389 403,683 423,046 449,603 475,235 490,302
30,772,950 30,765,785 30,986,538 31,357,382 31,906,815 32,492,052
12
YTD 2015
Aug-15 Sep-15 Oct-15 Nov-15 Dec-15 Dec-15
243,546 236,405 244,664 235,419 261,622 2,915,392
379,942 372,643 377,992 361,970 402,258 4,452,837
121,770 117,067 123,100 117,635 132,409 1,427,710

7,095 6,315 6,493 5,193 5,291 76,160
65,349 66,875 69,233 67,452 72,956 841,263
62,444 60,635 64,731 63,632 70,421 797,846
77 65 99 69 96 1,030
771 802 703 533 547 7,997
257,506 251,759 264,359 254,514 281,720 3,152,006
50.0% 49.5% 50.3% 50.0% 50.6% 49.0%
32.0% 31.4% 32.6% 32.5% 32.9% 32.1%
1,710,257 1,641,608 1,762,017 1,681,634 1,879,327 19,489,762

70,650 62,989 64,706 52,380 53,152 750,445
400,609 410,189 422,373 413,177 448,323 5,124,222
222,974 214,853 230,682 228,651 257,280 2,797,432
9,894 9,202 14,809 9,529 15,555 150,032
46,593 50,099 41,355 35,124 35,894 500,258
2,460,977 2,388,940 2,535,941 2,420,496 2,689,531 28,812,151
29.6% 29.5% 29.2% 29.4% 29.8% 29.4%

34.5% 34.7% 34.6% 34.5% 35.1% 34.3%
40.8% 40.9% 40.2% 40.8% 40.9% 40.8%
59.37% 59.9% 60.8% 60.4% 59.7% 59.9%
15.3% 16.3% 15.2% 15.8% 15.4% 15.4%
20.3% 19.8% 20.2% 19.5% 18.8% 19.8%
34.06% 34.11% 33.81% 34.19% 34.41% 34.27%
9.7% 9.5% 9.8% 9.8% 9.7% 9.7%
24.4% 24.6% 24.0% 24.4% 24.7% 24.6%
57,624 58,997 61,739 62,008 63,029 705,561
12
YTD 2015
4,458,578 4,465,324 4,474,415 4,486,042 4,511,029 4,511,029
32,688,072 32,861,257 33,019,169 33,244,527 33,589,962 33,589,962

1,517,416 1,585,757 1,339,501 1,448,646 1,369,266 1,369,266
415,910 428,732 440,731 405,159 437,097 437,097
255,257 241,518 234,021 239,904 239,037 239,037
228,930 235,376 235,259 228,768 231,145 231,145
484,187 476,894 469,280 468,672 470,183 470,183
4.64% 4.83% 4.06% 4.36% 4.08% 4.08%
1.27% 1.30% 1.33% 1.22% 1.30% 1.30%
0.78% 0.73% 0.71% 0.72% 0.71% 0.71%
0.70% 0.72% 0.71% 0.69% 0.69% 0.69%
1.48% 1.45% 1.42% 1.41% 1.40% 1.40%
7,869 7,786 7,767 8,002 7,778 5,293

10,988 10,185 10,150 9,286 8,618 119,824
11,071 10,204 9,915 9,510 9,225 117,946
7,786 7,767 8,002 7,778 7,171 7,171
21,623,461 22,055,933 21,489,110 21,395,193 21,692,104 21,692,104

1,832,410 1,882,642 1,923,096 2,057,088 1,719,571 1,719,571
5,997,621 6,167,396 5,985,628 5,985,267 6,239,142 6,239,142
29,453,492 30,105,971 29,397,834 29,437,547 29,650,817 29,650,817
139,906 145,665 146,202 150,550 179,405 1,580,468
9.45% 9.47% 9.63% 9.61% 9.99% 9.24%

2.68% 2.66% 2.75% 2.68% 2.87% 2.57%
4.27% 4.33% 4.33% 4.18% 4.04% 4.13%
2.49% 2.48% 2.56% 2.76% 3.08% 2.54%
273 273 269 267 265 265
36.6% 37.0% 36.9% 37.3% 35.8% 35.3%
19.3% 20.2% 19.6% 19.5% 22.7% 18.7%
3.6 3.6 3.6 3.6 3.5 3.5
4.6 4.5 4.5 4.5 4.4 4.4
28.0% 28.3% 29.3% 30.2% 34.5% 25.3%
5.7% 5.8% 6.0% 6.1% 7.3% 5.3%
5,994 6,241 6,264 6,450 7,686 5,643
16,306 16,382 16,606 16,788 17,034 17,034

14,027 14,657 13,639 13,840 13,795 13,795
194 194 194 194 194 194
408 410 417 430 430 430
12
YTD 2015
900,678 930,052 955,294 987,448 996,343 10,925,651

(62,688) (59,681) (61,801) (58,136) (62,200) (718,640)
(199,265) (230,256) (230,541) (234,985) (229,476) (2,771,817)
638,724 640,115 662,952 694,327 704,668 7,435,194
86,770 80,075 81,714 77,298 84,442 1,026,751
725,494 720,191 744,666 771,625 789,109 8,461,945
183,433 173,988 182,547 194,702 203,522 2,113,030
542,062 546,202 562,119 576,923 585,587 6,348,916
198,063 201,189 205,347 208,648 216,151 2,428,384

78,493 78,516 81,870 80,620 87,212 936,653
265,505 266,498 274,902 287,655 282,225 2,983,879
15,029 15,734 14,646 13,038 13,336 185,931

(61,178) (66,888) (63,219) (71,203) (48,795) (745,230)
(44,706) (33,254) (41,549) (37,800) (31,880) (466,845)
12,673 11,895 11,544 10,631 25,896 153,842
(78,182) (72,513) (78,578) (85,334) (41,443) (872,301)
187,323 193,985 196,324 202,321 240,782 2,111,578
44,160 66,347 51,155 54,135 32,318 478,414

3,257 (18,027) (1,032) (2,364) 29,059 52,696
47,417 48,319 50,122 51,771 61,377 531,110
139,906 145,665 146,202 150,550 179,405 1,580,468
5,006,000 5,145,906 5,291,571 5,177,007 5,323,109 4,543,455
0 0 254,189 0 0 609,189
0 0 6,577 4,448 (12,807) (586)
5,145,906 5,291,571 5,177,007 5,323,109 5,515,321 5,515,321

12
YTD 2015
46,536 44,948 38,106 41,614 47,246 520,316

0 0 0 0 0 0
41,304 46,716 48,542 50,963 52,809 489,496
692 833 1,030 964 1,003 9,541
76,707 63,611 78,832 84,558 84,706 879,806
89 164 (231) 28 43 1,038
18,105 17,717 16,268 16,575 17,715 212,833
183,433 173,988 182,547 194,702 203,522 2,113,030
12,347 11,815 12,061 11,271 11,531 147,133

0 0 0 0 0 0
2,682 3,919 2,586 1,767 1,805 38,799
0 0 0 0 0 0
15,029 15,734 14,646 13,038 13,336 185,931
12,150 11,385 11,100 10,200 12,532 134,222

6 3 3 0 1 48
1 1 1 0 15 19
517 506 441 430 13,348 19,553
12,673 11,895 11,544 10,631 25,896 153,842
12
YTD 2015
113,183 118,246 115,825 112,065 110,036 1,388,740
2,576 2,576 712 (1,359) (2,581) 14,802
1,673 2,496 2,437 2,429 2,726 16,111
3,967 2,788 5,310 5,977 5,320 48,315
2,688 1,272 3,760 5,071 6,454 27,781
982 609 1,078 1,502 776 7,183
125,069 127,986 129,122 125,684 122,731 1,502,932
68,081 66,639 67,785 66,570 67,911 773,175
2,607 2,108 2,135 2,290 2,703 26,764
7,805 9,769 11,950 11,760 16,598 136,714
78,493 78,516 81,870 80,620 87,212 936,653
17,564 15,785 17,015 18,864 19,417 190,315
9,581 9,931 10,037 9,931 10,806 117,511
7,666 7,609 9,572 10,774 8,955 105,080
6,246 6,608 8,965 10,556 8,523 95,843
5,409 5,054 7,047 6,275 6,103 60,608
16,416 17,523 12,477 13,675 14,169 193,522
1,305 1,608 1,478 1,272 13,281 53,409
833 378 362 514 359 5,610
4,875 5,474 5,422 7,009 7,982 61,988
431 498 500 567 635 6,657
2,316 2,486 2,551 3,083 2,538 29,629
352 248 792 438 650 4,583
0 0 5 6 2 697
72,995 73,203 76,224 82,964 93,419 925,452
276,556 279,704 287,217 289,268 303,362 3,365,037
12
YTD 2015
627,302 393,778 538,966 450,795 209,851 209,851
42,000,587 42,149,521 42,280,953 42,508,595 42,918,768 42,918,768

(6,269,339) (6,116,394) (6,042,575) (6,067,582) (5,997,528) (5,997,528)
(8,739,914) (8,740,757) (8,731,441) (8,740,473) (8,807,248) (8,807,248)
(1,588,956) (1,596,847) (1,598,327) (1,607,522) (1,593,287) (1,593,287)
25,402,377 25,695,523 25,908,610 26,093,018 26,520,705 26,520,705
66,451 70,719 80,769 82,172 85,613 85,613
2,277,820 2,853,198 1,756,272 1,649,021 1,659,457 1,659,457
1,575 1,768 1,524 1,476 1,564 1,564
440,350 438,055 433,805 427,041 444,551 444,551
81,536 91,527 117,153 169,821 115,939 115,939
482,255 492,806 491,481 494,719 548,252 548,252
73,826 68,598 69,254 69,483 64,884 64,884
0 0 0 0 0 0
3,423,812 4,016,670 2,950,258 2,893,734 2,920,262 2,920,262
29,453,492 30,105,971 29,397,834 29,437,547 29,650,817 29,650,817
380,436 382,001 423,052 447,465 483,789 483,789

0 0 0 0 0 0
544,354 505,321 520,792 528,247 519,667 519,667
782,732 832,869 808,044 889,975 553,773 553,773
124,888 162,451 171,208 191,400 162,342 162,342
16,200,479 15,136,760 14,569,384 14,474,503 14,770,411 14,770,411
5,422,982 6,919,173 6,919,726 6,920,690 6,921,693 6,921,693
0 0 0 0 0 0
23,455,871 23,938,575 23,412,206 23,452,280 23,411,675 23,411,675
630,000 630,000 630,000 630,000 630,000 630,000

5,367,621 5,537,396 5,355,628 5,355,267 5,609,142 5,609,142
5,997,621 6,167,396 5,985,628 5,985,267 6,239,142 6,239,142
29,453,492 30,105,971 29,397,834 29,437,547 29,650,817 29,650,817
123,225 111,925 115,202 115,823 107,302 107,302

(49,399) (43,327) (45,948) (46,339) (42,417) (42,417)
73,826 68,598 69,254 69,483 64,884 64,884
1,075,889 1,096,214 1,104,851 1,117,945 1,182,268 1,182,268

(593,635) (603,408) (613,370) (623,226) (634,015) (634,015)
482,255 492,806 491,481 494,719 548,252 548,252
12
YTD 2015
1,588,956 1,596,847 1,598,327 1,607,522 1,593,287 1,593,287
20,184,099 20,452,535 20,652,194 20,918,796 21,292,211 21,292,211

894,686 903,419 905,414 898,087 892,880 892,880
3,762,673 3,780,633 3,783,975 3,788,329 3,817,061 3,817,061
1,474,550 1,455,023 1,448,086 1,444,903 1,446,067 1,446,067
165,090 166,736 171,435 98,779 155,746 155,746
510,236 534,023 545,832 551,647 510,027 510,027
26,991,334 27,292,370 27,506,937 27,700,540 28,113,992 28,113,992
5.9% 5.9% 5.8% 5.8% 5.7% 5.7%
49,399 43,327 45,948 46,339 42,417 42,417

86,702 83,878 80,409 79,218 75,732 75,732
6,138 6,224 5,822 5,373 4,861 4,861
7,508 7,428 7,303 7,450 6,774 6,774
14,786 6,716 13,290 14,413 11,104 11,104
1,105 1,180 930 1,091 840 840
6,986 6,499 7,447 8,278 7,990 7,990
123,225 111,925 115,202 115,823 107,302 107,302
40.1% 38.7% 39.9% 40.0% 39.5% 39.5%
6.0% 6.0% 6.0% 5.9% 5.8% 5.8%
12
YTD 2015
42,665 39,326 38,929 37,408 35,758 457,061

57,624 58,997 61,739 62,008 63,029 705,561
(12,150) (11,385) (11,100) (10,200) (12,532) (134,222)
88,139 86,938 89,567 89,216 86,255 1,028,399
26,991,334 27,292,370 27,506,937 27,700,540 28,113,992 28,113,992
123,225 111,925 115,202 115,823 107,302 107,302
25,659,332 25,907,463 26,138,910 26,363,518 26,606,193 26,606,193

2.0% 1.8% 1.8% 1.7% 1.6% 1.7%
2.7% 2.7% 2.8% 2.8% 2.8% 2.7%
-0.6% -0.5% -0.5% -0.5% -0.6% -0.5%
4.12% 4.03% 4.11% 4.06% 3.89% 3.87%
1.92% 1.96% 1.84% 1.88% 1.91% 1.93%

1,300,740 1,311,405 1,315,808 1,323,169 1,339,251 1,339,251
6.0% 6.0% 6.0% 5.9% 5.8% 5.8%
4.8% 4.8% 4.8% 4.8% 4.7% 4.7%
1.2% 1.2% 1.2% 1.2% 1.1% 1.1%
12
YTD 2015
25,813,928 25,958,683 26,103,312 26,331,507 26,645,426 26,645,426

942,416 947,637 948,648 939,567 931,458 931,458
3,762,673 3,780,633 3,783,975 3,788,329 3,817,061 3,817,061
1,474,550 1,455,023 1,448,086 1,444,903 1,446,067 1,446,067
183,680 184,687 188,767 188,046 193,622 193,622
510,826 534,593 546,381 552,175 556,329 556,329
32,688,072 32,861,257 33,019,169 33,244,527 33,589,962 33,589,962
12 12 12 12
YTD YTD Projection Full Year Full Year
Dec-14 Based on Q3-2015 MB 2015 Based on Q3-2015
3,135,291 2,872,950 3,043,711 2,872,950
4,841,961 4,475,000 4,900,000 4,475,000
1,462,234 1,388,889 1,430,544 1,388,889

77,777 78,076 80,000 78,076
698,546 815,768 717,070 815,768
841,351 826,119 948,186 826,119
1,460 1,044 1,036 1,044
5,370 8,213 7,512 8,213
3,086,738 3,118,108 3,184,347 3,118,108
46.6% 48.3% 47.0% 48.3%
30.2% 31.0% 29.2% 31.0%
18,419,408 18,780,312 18,167,909 18,780,312

721,072 756,513 712,000 756,513
4,181,718 4,952,199 3,943,884 4,952,199
2,847,655 2,852,501 3,318,650 2,852,501
202,160 149,970 141,686 149,970
363,513 507,774 522,193 507,774
26,735,526 27,999,268 26,806,322 27,999,268
29.3% 29.3% 28.0% 29.3%

33.2% 34.2% 34.0% 34.2%
41.1% 40.4% 38.0% 40.4%
55.4% 59.2% 56.5% 59.2%
14.4% 15.2% 13.8% 15.2%
18.5% 19.4% 16.0% 19.4%
33.75% 34.2% 32.85% 34.2%
9.8% 10.1% 10.7% 10.1%
23.9% 24.1% 22.2% 24.1%
605,001 701,589 708,200 701,589
12 12 12 12
4,270,599
30,604,429 33,296,742 32,475,577 33,296,742

1,303,573
384,161
203,826
228,662
432,488
4.26%
1.26%
0.67%
0.75%
1.41%
5,404
93,870
93,981
5,293
19,428,605 21,294,085 18,494,574 21,294,085

1,841,941 1,923,096 2,069,986 1,923,096
5,046,797 6,285,186 5,866,080 6,285,186
26,317,343 29,502,366 26,430,640 29,502,366
December-99
1,352,601 1,550,071 1,350,646 1,550,071
December-99
9.62% 9.28% 10.39% 9.28%
2.80% 2.59% 2.82% 2.59%
4.29% 4.17% 4.74% 4.17%
2.53% 2.51% 2.83% 2.51%
266
35.6% 35.3% 32.9% 35.3%
18.5% 18.2% 17.0% 18.2%
3.8 3.4 3.2 3.4
4.9 4.3 4.3 4.3
26.8% 24.7% 23.0% 24.7%
5.1% 5.3% 5.1% 5.3%
4,829 5,534 4,822 5,534
December-99
16,046
12,440 14,100 12,500 14,100
176
409
12 12 12 12
9,297,744 10,899,784 10,051,073 10,899,784

(663,086) (707,838) (709,419) (707,838)
(2,354,700) (2,752,270) (2,690,929) (2,752,270)
6,279,958 7,439,676 6,650,725 7,439,676
1,015,505 1,055,935 1,304,757 1,055,935
7,295,463 8,495,612 7,955,482 8,495,612
1,633,475 2,116,709 1,867,351 2,116,709
5,661,987 6,378,902 6,088,131 6,378,902
2,173,637 2,436,880 2,527,134 2,436,880

889,037 944,840 941,720 944,840
2,599,314 2,997,182 2,619,277 2,997,182
211,512 192,380 184,896 192,380

(804,997) (758,737) (688,686) (758,737)
(368,903) (499,907) (445,440) (499,907)
159,691 136,967 130,815 136,967
(802,697) (929,297) (818,416) (929,297)
December-99
1,796,617 2,067,885 1,800,862 2,067,885
374,991 503,569 444,138 503,569

69,024 14,245 6,078 14,245
444,016 517,815 450,215 517,815
1,352,601 1,550,071 1,350,646 1,550,071
4,149,457 4,543,455 4,542,083 4,543,455
958,935 609,189 577,656 609,189

(332) 7,772 0 7,772
4,543,455 5,476,565 5,315,074 5,476,565

12 12 12 12
407,883 524,242 397,635 524,242

0 0 0 0
502,986 489,436 479,222 489,436
9,775 9,541 5,531 9,541
525,418 880,880 867,498 880,880
19,211 966 0 966
168,202 211,644 117,465 211,644
1,633,475 2,116,709 1,867,351 2,116,709
142,200 152,094 148,311 152,094

0 0 0 0
69,312 40,286 36,585 40,286
0 0 0 0
211,512 192,380 184,896 192,380
144,454 131,142 130,815 131,142

92 46 0 46
4 4 0 4
15,141 5,775 0 5,775
159,691 136,967 130,815 136,967
12 12 12 12
Dec-14 YTD Projection MB 2015 Based on Q3-2015
1,244,181 1,411,915 1,475,745 1,411,915
42,679 25,894 32,188 25,894
6,977 12,397 8,170 12,397
38,018 41,172 26,743 41,172
29,477 25,011 34,983 25,011
3,294 5,158 3,879 5,158
1,364,626 1,521,547 1,581,708 1,521,547
747,697 786,311 783,782 786,311
19,495 27,453 32,775 27,453
121,845 131,076 125,162 131,076
889,037 944,840 941,720 944,840
165,290 196,567 212,638 196,567
104,225 118,474 107,190 118,474
94,098 103,550 108,866 103,550
91,693 96,838 109,138 96,838
61,027 58,713 63,136 58,713
191,295 186,296 225,431 186,296
9,448 46,187 16,508 46,187
5,177 6,173 6,971 6,173
45,794 60,306 47,846 60,306
5,533 6,217 6,637 6,217
27,475 30,563 33,839 30,563
7,661 4,604 6,899 4,604
296 847 326 847
809,011 915,334 945,426 915,334
3,062,674 3,381,720 3,468,854 3,381,720
12 12 12 12
552,975 333,963 446,195 333,963
39,395,258 42,477,565 43,335,617 42,477,565

(5,718,383) (6,084,389) (7,751,588) (6,084,389)
(8,241,231) (8,591,679) (9,952,146) (8,591,679)
(1,553,619) (1,610,767) (1,505,852) (1,610,767)
23,882,026 26,190,731 24,126,031 26,190,731
60,115 80,769 47,991 80,769
927,044 1,756,272 730,395 1,756,272
0 1,524 0 1,524
125,715 433,805 121,135 433,805
242,788 128,910 247,355 128,910
476,966 504,515 649,312 504,515
49,714 71,878 62,227 71,878
0 0 0 0
1,882,342 2,977,673 1,858,414 2,977,673
26,317,343 29,502,366 26,430,640 29,502,366
December-99
December-99
December-99
572,467 423,052 458,355 423,052
14,636 0 45,028 0
551,193 520,792 673,596 520,792
592,718 808,044 824,689 808,044
110,928 171,208 68,318 171,208
14,559,201 14,372,391 12,067,064 14,372,391
4,869,403 6,921,693 6,427,510 6,921,693
0 0 0 0
21,270,546 23,217,181 20,564,560 23,217,181
630,000 630,000 630,000 630,000

4,416,797 5,655,186 5,236,080 5,655,186
5,046,797 6,285,186 5,866,080 6,285,186
26,317,343 29,502,366 26,430,640 29,502,366
82,391 121,276 103,146 121,276

(32,677) (49,397) (40,920) (49,397)
49,714 71,878 62,227 71,878
996,393 1,139,585 1,271,232 1,139,585

(519,427) (635,070) (621,920) (635,070)
476,966 504,515 649,312 504,515
12 12 12 12
1,553,619 1,610,767 1,505,852 1,610,767
19,458,874 20,905,948 19,127,529 20,905,948

846,413 900,858 790,610 900,858
3,152,718 3,737,219 3,157,995 3,737,219
1,505,266 1,519,569 1,773,592 1,519,569
137,696 184,784 208,842 184,784
334,678 553,119 573,314 553,119
25,435,645 27,801,497 25,631,883 27,801,497
6.1% 5.8% 5.87% 5.8%
32,677 49,397 40,181 49,397

57,762 91,152 85,737 91,152
3,429 5,303 (4,270) 5,303
6,466 5,995 7,117 5,995
11,237 13,659 11,827 13,659
688 1,048 243 1,048
2,809 4,119 2,493 4,119
82,391 121,276 103,146 121,276
39.7% 40.7% 39.7% 40.7%
6.2% 5.9% 6.0% 5.9%
12 12 12 12
362,359 483,187 440,749 483,187

605,001 701,589 708,200 701,589
(144,454) (131,142) (130,815) (131,120)
822,906 1,053,634 1,018,134 1,053,656
25,435,645 27,801,497 25,631,883 27,801,497
82,391 121,276 103,146 121,276
22,842,830 26,580,418 25,667,071 26,580,418

1.6% 1.8% 1.7% 1.8%
2.6% 2.6% 2.8% 2.6%
-0.6% -0.5% -0.5% -0.5%
3.60% 3.96% 3.97% 3.96%
2.61% 1.98% 2.04% 2.0%

1,267,226 1,326,332 1,224,987 1,326,332
6.2% 5.9% 6.0% 5.9%
5.0% 4.8% 4.8% 4.8%
1.3% 1.2% 1.3% 1.2%
12 12 12 12
24,535,153 26,340,078 25,869,959 26,340,078

921,252 944,092 878,108 944,092
3,152,718 3,737,219 3,157,995 3,737,219
1,505,266 1,519,569 1,773,592 1,519,569
154,674 202,115 222,080 202,115
335,366 553,668 573,842 553,668
30,604,429 33,296,742 32,475,577 33,296,742
FIFGROUP
PROJECTION - OUTLOOK I 2016
Operating Expenses
YTD Apr 2015 2015 MB Full Year 2016 Description MB YTD Apr 2016
469,607 1,388,740 1,616,450 Employee compensation 549,987

5,151 14,802 27,447 Employee benefit KEPMEN 150 9,149
2,461 16,111 13,141 Wages 4,522
17,214 48,315 43,643 Employee welfare 10,058
4,139 27,781 26,512 Training 5,764
1,186 7,183 5,467 Recruitment 1,928
499,757 1,502,932 1,732,660 Employee Expenses 581,406
242,772 773,175 809,662 Advertising and promotion 256,974
7,630 26,764 32,985 PGC incentives 9,722
47,178 136,714 138,940 Taxes and licenses - Marketing 41,808
297,581 936,653 981,587 Marketing Expenses 308,504
59,982 190,315 226,052 Rent 75,429
39,008 117,511 131,481 Depreciation 43,603
35,236 105,080 111,834 Communications 35,499
35,749 95,843 104,585 Repairs and maintenance 28,889
18,825 60,608 63,410 Office supplies 20,548
69,948 193,522 204,970 Professional fee 67,871
31,036 53,409 26,337 Taxes and licenses - Non Marketing 7,296
1,699 5,610 6,667 Insurance 2,373
19,238 61,988 65,130 Travelling 20,668
2,148 6,657 6,714 Representation and entertainment 2,139
9,306 29,629 33,008 Electricity, water and gas 9,401
1,168 4,583 4,972 Donation and contribution 1,475
685 697 914 Beban extra ordinary 260
324,028 925,452 986,075 Other Expenses 315,451
1,121,365 3,365,037 3,700,322 TOTAL EXPENSES 1,205,361
FIFGROUP
Revenue
2,288,471 7,436,599 8,002,899 Consumer financing - net 2,448,092
321,692 1,026,751 1,221,100 Administration 378,504
2,610,163 8,463,350 9,223,999 Total operating revenue 2,826,596
663,158 2,113,030 2,292,490 Interest and financial charges 639,169
1,947,006 6,350,321 6,931,508 GROSS PROFIT 2,187,427

823,785 2,428,384 2,718,735 Operating expenses 896,857
297,581 936,653 981,587 Marketing expenses 308,504
825,640 2,985,284 3,231,186 OPERATING PROFIT 982,066

70,018 185,931 188,985 Interest & Penalty Income 64,296
(182,312) (745,230) (834,139) Allowance for doubtful accounts (237,837)
(163,307) (466,845) (533,154) Gain/(loss) on repossessed asset (172,959)
45,612 152,437 147,192 Other income (expense) 48,181
(229,988) (873,706) (1,031,115) Total other income (expense) (298,319)
595,652 2,111,578 2,200,071 INCOME BEFORE TAX 683,746
Income tax expense

111,233 478,414 574,566 Current tax 163,609
37,308 52,696 (24,548) Provision for income tax 7,328
148,541 531,110 550,018 Total provision for income tax 170,937
447,111 1,580,468 1,650,053 NET INCOME 512,810
4,543,455 4,543,803 5,476,565 Retained Earning Beginning 5,476,565
355,000 609,189 939,675 Dividend 150,000

(197) (586) 0 Adjustment Retained Earning 0
4,635,763 5,515,669 6,186,942 RETAINED EARNING ENDING 5,839,375
FIFGROUP
Balance Sheets
ASSETS
1,505,499 209,851 279,016 Cash and cash equivalents 518,594
Consumer financing receivables :

39,738,702 42,918,768 45,543,728 - Consumer financing receivables - gross 43,074,083
(6,012,138) (5,997,528) (6,909,020) - Joint financing receivables - gross (6,429,947)
(8,157,257) (8,807,248) (9,299,779) - Unearned income on consumer financing (8,817,659)
(1,512,869) (1,593,287) (1,676,442) - Allowance for doubtful accounts (1,597,551)
24,056,438 26,520,705 27,658,487 Consumer financing receivables - net 26,228,926
63,575 85,613 80,769 Other receivables 80,769
1,273,373 1,659,457 1,756,272 Derivative - Rec 1,756,272
387 1,564 1,524 Prepaid tax 1,524
429,525 444,551 433,805 Prepaid expenses 433,805
163,885 115,939 153,458 Deferred tax assets 121,582
467,756 548,252 550,450 Fixed assets - net 483,395
69,079 64,884 72,475 Repossessed assets - net 72,077
0 0 0 Other assets 0
2,467,580 2,920,262 3,048,753 Total Other Assets 2,949,424
28,029,516 29,650,818 30,986,256 TOTAL ASSETS 29,696,943

Liabilities
695,685 483,789 423,052 Other payables 423,052
30,109 0 0 Derivative - Payable 0
614,110 519,667 520,792 Insurance premium payables 520,792
782,605 553,425 808,044 Accrued Expenses 808,044
76,978 162,342 171,208 Taxes payable 171,208
15,142,755 14,770,411 16,827,676 Bank loans 15,890,168
5,423,584 6,921,693 5,239,921 FIF Bonds 5,235,683
0 0 0 JF Payable 0
22,765,825 23,411,327 23,990,693 Total Liabilities 23,048,948
Equity
630,000 630,000 630,000 Share capital 630,000
4,633,691 5,609,490 6,365,563 Retained Earnings 6,017,995
5,263,691 6,239,490 6,995,563 Total Equity 6,647,995

28,029,516 29,650,817 30,986,256 TOTAL LIABILITIES AND EQUITY 29,696,943
FIFGROUP
Supplementary
177,656 520,316 661,262 Loan interest expenses 163,422

0 0 0 JF interest expenses 0
119,924 489,496 731,160 Bonds interest expenses 206,378
2,965 9,541 8,228 Bonds issuance expenses 3,990
285,093 879,806 656,552 Swap Cost 181,785
770 1,038 0 Forex differential 0
76,751 212,833 235,290 Bank charges 83,595
663,158 2,113,030 2,292,490 Interest and financial charges 639,169
53,595 147,133 152,400 Penalty income 52,174

0 0 0 Time deposits 0
16,423 38,799 36,585 Current accounts 12,122
0 0 0 Mutual fund 0
70,018 185,931 188,985 Interest income 64,296
(182,312) (745,230) (834,139) Allowance for doubtful accounts (237,837)

(163,307) (466,845) (533,154) Gain/(loss) on repossessed asset (172,959)
(345,618) (1,212,075) (1,367,292) Allowance for doubtful accounts (410,796)
43,489 132,817 147,192 Recovery of written-off receivables 48,181

20 48 0 Gain on sale of fixed assets 0
1 19 0 Discount Insurance 0
2,101 19,553 0 Others 0
45,612 152,437 147,192 Other income-net 48,181
FIFGROUP
Supplementary
Balance Sheets
29,728,525 32,395,554 33,442,074 Motor-New Principal + Interest 32,258,228

(7,331,868) (7,796,842) (8,200,217) Motor-New Interest (7,888,265)
22,396,657 24,598,712 25,241,857 Motor-New Principal 24,369,962
7,643,392 9,182,649 11,538,207 NMC - Dealer Incentive 9,986,345
(5,466,966) (7,135,935) (9,673,951) NMC - Amortization of Dealer Incentive (7,967,443)
2,176,426 2,046,714 1,864,256 A/R - NMC Incentive Dealer which is amortized 2,018,903
5,208,079 5,641,714 5,856,895 Motor-Used Principal + Interest 5,517,858

(975,622) (1,036,327) (1,265,156) Motor-Used Interest (1,084,926)
4,232,456 4,605,387 4,591,739 Motor-Used Principal 4,432,932
521,195 654,453 1,051,114 UMC - Dealer Incentive 780,282
(386,823) (511,321) (553,988) UMC - Amortization of Dealer Incentive (530,176)
134,372 143,132 497,125 A/R - UMC Incentive Dealer which is amortized 250,107
1,751,325 1,769,855 2,232,866 Electronic Principal + Interest 1,902,569

(303,577) (323,788) (486,888) Electronic Interest (387,507)
1,447,748 1,446,067 1,745,977 Electronic Principal 1,515,062
(797) (797) 0 Electronic - Dealer Incentive 0
797 797 0 Electronic - Amortization of Dealer Incentive 0
0 (0) 0 A/R - Electronic Incentive Dealer which is amortized 0
739,115 918,185 1,647,685 Car Product Principal + Interest 1,123,592
(141,097) (171,848) (278,932) Car Product Interest (187,216)
598,018 746,338 1,368,753 Car Product Principal 936,376
873 3,752 2,928 Car - Dealer Incentive 2,928
(12) (139) (101) Car - Amortization of Dealer Incentive (101)
860 3,613 2,827 A/R - Electronic Incentive Dealer which is amortized 2,827
30,986,538 33,589,962 35,312,535 Total Consumer financing - principal 33,526,169
(5,998,334) (5,983,717) (6,909,020) Joint Financing Principal + Interest (6,429,947)

581,104 507,747 931,414 Joint Financing Interest 730,255
(5,417,231) (5,475,970) (5,977,606) Joint Financing Principal (5,699,692)
(1,727,122) (1,836,342) (1,517,699) Allowance for doubtful accounts Motor-New (1,482,577)

(245,616) (257,276) (275,971) Allowance for doubtful accounts Motor-Used (251,768)
(155,007) (156,139) (187,713) Allowance for doubtful accounts Electronic (162,886)
(14,471) (16,644) (33,546) Allowance for doubtful accounts Car (23,015)
(163) (163) 0 Allowance for doubtful accounts Others 0
629,347 673,114 336,187 Allowance for doubtful accounts Joint Financing 320,395
(1,512,869) (1,593,287) (1,678,742) Allowance for doubtful accounts (1,597,551)
24,056,438 26,520,705 27,658,487 Consumer financing receivables - net 26,228,926
113,793 107,302 122,219 Repossessed assets 121,590

(44,715) (42,417) (49,745) Allowance Repossessed assets (49,513)
69,079 64,884 72,475 Repossessed assets - net 72,077
1,024,292 1,182,268 1,317,001 Fixed assets 1,162,068

(556,535) (634,015) (766,551) Depreciation of Fixed assets (678,673)
467,756 548,252 550,450 Net book value 483,395
0 0 0 FIF Bonds X 0
0 0 0 FIF Bonds XI 0
2,431,329 2,433,192 744,765 FIF Bonds XII - XIV 744,158
2,992,255 4,488,501 4,495,156 FIF Bonds XV 4,491,526
5,423,584 6,921,693 5,239,921 Total FIF Bonds 5,235,683
FIFGROUP
Statements of Cash Flows
YTD Apr 2015 2015 MB Full Year 2016 Description MB YTD Mar 2016
CASH FLOWS FROM OPERATING ACTIVITIES :
447,111 1,580,468 1,650,053 Net Income 512,810
Reconciliation to net cash provided by(used in)
operating activities:
37,108 114,588 131,481 - Depreciation of Fixed Assets 43,603
78,903 126,849 (24,548) - Deferred Tax Asset 7,328
(40,750) 39,668 65,676 - Bad debts (13,215)
197 586 0 - Adjustment Retained Earning 0
522,569 1,862,160 1,822,662 550,525
Changes in Working Capital :
(382,109) (2,985,533) (2,015,793) Consumer Financing (229,427)
248,447 307,186 482,361 Joint Financing 204,447
(3,460) (25,498) 0 Marketable securities 0
(346,329) (732,414) 0 Other receivables 0
(387) (1,564) 0 Derivative receivables 0
(303,809) (318,836) 0 Prepaid Expenses 0
(19,365) (15,170) (597) Repossessed Assets (199)
0 0 0 Other Assets 0
0
138,692 (103,314) 0 Other payables 0
62,917 (31,525) 0 Insurance premium payables 0
189,887 (38,944) 0 Accrued Expenses 0
(33,950) 51,413 0 Tax Payable 0
73,103 (2,032,039) 288,633 Net Cash Provided by(used in) Operating Activities 525,347
CASH FLOWS FROM INVESTING ACTIVITIES :
(27,899) (185,875) (177,417) Property and Equipment (22,483)
(27,899) (185,875) (177,417) Net Cash provided by(used in) Investing Activities (22,483)
CASH FLOWS FROM FINANCING ACTIVITIES :
583,554 211,210 2,455,285 Bank loans 1,517,777
554,180 2,052,290 (1,681,772) FIF Bonds (1,686,010)
0 0 0 JF Payable 0
0 0 0 Subordinated loan 0
(355,000) (609,189) (939,675) Dividend (150,000)
124,586 220,480 0 Equity 0
907,320 1,874,790 (166,163) Net Cash provided by(used in) Financing Activities (318,233)
952,524 (343,124) (54,947) Net increase(decrease) in Cash & Cash equivalent 184,631
552,975 552,975 333,963 Cash & Cash equivalent at beg. of year 333,963
1,505,499 209,851 279,016 Cash & Cash equivalent at end of year 518,594
FIFGROUP
Detail Perhitungan Provision - NSA OWN RISK
Account Receivables
Provision :
1,111,477 1,177,142 1,181,512 - NMC 1,162,182
232,691 245,460 274,115 - UMC 249,911
154,910 156,042 187,713 - Elektronik 162,886
13,792 14,644 33,103 - Car 22,571
163 163 0 - Others 0
1,512,869 1,593,287 1,676,442 Total 1,597,551
AR own risk :
19,237,784 21,292,211 21,189,622 - NMC 20,750,287
4,304,925 4,709,942 5,045,630 - UMC 4,639,804
1,447,748 1,446,067 1,745,977 - Elektronik 1,515,062
578,850 665,773 1,353,700 - Car 921,323
64,367 73,431 0 - Others 0
25,569,307 28,113,992 29,334,929 Total 27,826,477
% Provision :
5.8% 5.5% 5.6% - NMC 5.6%
5.4% 5.2% 5.4% - UMC 5.4%
10.7% 10.8% 10.8% - Elektronik 10.8%
2.4% 2.2% 2.4% - Car 2.4%
0.3% 0.2% 0.0% - Others 0.0%
5.9% 5.7% 5.7% Total 5.7%
5.7%
Repossess Asset
Provision :
33,454 33,189 39,667 - SMH 39,436
11,261 9,228 8,173 - Other 10,077
44,715 42,417 47,840 Total 49,513
Repossess Asset :
93,068 87,367 103,393 - SMH 102,764
20,726 19,935 18,826 - Other 18,826
113,793 107,302 122,219 Total 121,590
% Provision :
35.9% 38.0% 38.4% - SMH 38.4%
54.3% 46.3% 43.4% - Other 53.5%
39.3% 39.5% 40.7% Total 40.7%
6.1% 5.8% 5.9% Total 5.9%
Net Losses 375,715.28

151,269 457,105 532,807 Loss on Repo (LOR) 172,843
223,061 705,561 768,463 Write off 251,053
(43,489) (132,817) (147,192) Recovery Income (48,181)
330,841 1,029,849 1,154,077 Net Losses 375,715
12,037 9,740 347 Provision RA 116
25,569,307 28,113,992 29,334,929 NSA-1 27,826,477

113,793 107,302 122,219 RA 121,590
24,323,883 26,606,193 28,521,642 ASA-1 + ARA 27,271,399

4.1% 3.9% 4.0% Net Losses FIF / ASA-1 + ARA 4.1%
1,236,624 1,339,251 1,384,486 Projected Net Losses (YTD) 1,322,875
6.1% 5.8% 5.9% Provision / NSA-1 & RA 5.9%
4.8% 4.7% 4.7% % Projected Net Losses / NSA-1 & RA 4.7%
1.25% 1.05% 1.16% Surplus (deficit) of provision 1.16%
FIFGROUP
Detail Perhitungan Provision - NSA ALL
Account Receivables
Provision :
1,111,477 1,177,142 1,181,512 - NMC 1,162,182
232,691 245,460 274,115 - UMC 249,911
154,910 156,042 187,713 - Elektronik 162,886
13,792 14,644 33,103 - Car 22,571
0 0 0 - Others 0
1,512,869 1,593,287 1,676,442 Total 1,597,551
AR ALL :
24,573,083 26,645,426 27,106,113 - NMC 26,388,865
4,366,828 4,748,519 5,088,864 - UMC 4,683,038
1,447,748 1,446,067 1,745,977 - Elektronik 1,515,062
598,879 749,950 1,371,581 - Car 939,203
64,367 73,431 0 - Others 0
30,986,538 33,589,962 35,312,535 Total 33,526,169
% Provision :
4.5% 4.4% 4.4% - NMC 4.4%
5.3% 5.2% 5.4% - UMC 5.3%
10.7% 10.8% 10.8% - Elektronik 10.8%
2.3% 2.0% 2.4% - Car 2.4%
4.9% 4.7% 4.7% Total 4.8%
0.04765086857367
Repossess Asset
Provision :
33,454 33,189 39,667 - SMH 39,436
11,261 9,228 8,173 - Other 10,077
44,715 42,417 47,840 Total 49,513
Repossess Asset :
93,068 87,367 103,393 - SMH 102,764
20,726 19,935 18,826 - Other 18,826
113,793 107,302 122,219 Total 121,590
% Provision :
35.9% 38.0% 38.4% - SMH 38.4%
54.3% 46.3% 43.4% - Other 53.5%
39.3% 39.5% 39.1% Total 40.7%
40.72%
5.0% 4.9% 4.9% Total 4.9%
Net Losses
151,269 457,105 532,807 Loss on Repo (LOR) 172,843
223,061 705,561 768,463 Write off 251,053
(43,489) (132,817) (147,192) Recovery Income (48,181)
330,841 1,029,849 1,154,077 Net Losses 375,715
12,037 9,740 347 Provision RA 116
30,986,538 33,589,962 35,312,535 NSA 33,526,169

113,793 107,302 122,219 RA 121,590
29,509,902 32,042,637 34,294,068 ASA+ ARA 32,823,441
1.5% 1.4% 1.6% LOR / ASA + ARA 1.6%

2.3% 2.2% 2.2% Write off / ASA + ARA 2.3%
-0.4% -0.4% -0.4% Recovery Income / / ASA + ARA -0.4%
3.4% 3.2% 3.4% Net Losses FIF / ASA + ARA 3.4%
3.5%
1.6% 1.6% 1.5% Surplus (defisit) of provision 1.5%
FIFGROUP
ASSUMPTION
893,235 2,918,486 2,873,475 Honda Credit Sales (AHM) 914,186

1,352,717 4,453,198 4,455,000 Honda Sales ( AHM ) 1,417,343
Contract in Unit :
422,922 1,427,710 1,379,361 - NMC 438,839
23,742 76,160 48,000 - UMC Reguler 15,692
268,987 841,263 900,000 - UMC Financing 265,325
256,578 797,846 863,558 - MPF 254,371
2,866 9,027 18,349 - Car 5,157
975,095 3,152,006 3,209,268 Total Contract in Unit 979,385
47.3% 49.0% 48.0% Motor - New / Honda Credit Sales 48.0%
31.3% 32.1% 31.0% Motor - New / Honda Sales ( AHM ) 31.0%
5,490,705 19,489,762 19,035,183 - NMC 6,055,980
230,008 750,445 436,800 - UMC Reguler 142,800
1,628,340 5,124,222 5,220,000 - UMC Financing 1,538,886
876,906 2,797,432 3,000,000 - MPF 883,686
214,040 650,290 1,222,513 - Car 347,649
8,439,998 28,812,151 28,914,496 Total Amount Contract Value 8,969,001
29.5% 29.4% 29.0% WAR NMC 29.0%
33.8% 34.3% 34.0% WAR UMC - Reguler 34.0%
41.0% 40.8% 39.0% WAR UMC - Financing 39.0%
59.7% 59.9% 57.0% WAR Electronic 57.0%
18.6% 18.8% 17.4% WAR Car 16.3%
34.69% 34.27% 33.3% Average WAR 33.1%
9.7% 9.7% 11.0% COF - Loan Rp 11.0%
25.0% 24.6% 22.3% Spread 22.1%
30,986,538 33,589,962 35,312,535 NSA 33,526,169

447,111 1,580,468 1,650,053 NPAT 512,810
2.7% 2.6% 2.5% Marketing exps to ASA 2.5%
4.5% 4.1% 4.4% Employee exp to ASA - rolling avg 4.7%
2.9% 2.5% 2.5% Others exp to ASA - rolling avg 2.5%
7.4% 6.7% 6.9% Operating exp to ASA - rolling avg 7.2%
10.1% 9.2% 9.4% Total Expenses to ASA 9.7%
3.9 3.5 3.2 DER 3.2
4.9 4.4 4.0 DER (include JF without recourse) 4.0
25.5% 25.3% 23.6% ROE (NPAT / Equity) 23.1%
4.8% 5.3% 5.3% ROA (NPAT / Asset) 5.2%
12,937 13,795 14,500 USD/ IDR 14,500
YTD Apr 2016 May-16 Jun-16 Jul-16 Aug-16 Sep-16 Oct-16 Nov-16 Dec-16
530,446 138,847 140,354 131,492 131,018 130,809 130,395 130,464 130,935

4,371 1,457 1,457 1,457 1,457 1,457 1,457 1,457 1,457
10,008 1,115 1,121 1,118 1,102 1,111 1,052 972 1,027
9,986 1,983 1,458 2,014 1,795 2,399 5,838 10,191 7,906
3,079 2,344 2,733 1,917 2,714 2,642 3,720 4,002 3,077
2,872 518 491 415 337 424 476 428 451
560,762 146,264 147,614 138,412 138,422 138,842 142,938 147,514 144,853
232,727 70,266 73,985 67,601 69,010 67,979 68,429 67,723 70,303
2,341 2,492 2,654 2,631 2,640 2,690 2,711 2,741 2,762
81,120 9,020 8,709 9,955 12,326 10,065 15,971 15,807 15,279
316,187 81,778 85,348 80,187 83,975 80,735 87,112 86,271 88,344
64,475 20,249 21,055 19,707 21,709 20,200 22,495 22,253 22,154
42,977 11,336 11,440 11,598 11,922 12,253 12,483 12,832 13,057
35,152 9,062 7,257 8,301 9,150 10,740 8,250 11,532 12,042
37,150 10,588 11,522 10,591 11,133 10,944 11,418 12,269 13,232
21,389 5,030 4,382 5,198 4,783 5,231 7,506 4,843 5,890
50,741 17,833 18,091 18,062 17,959 18,083 18,009 18,063 18,111
5,635 2,134 2,378 2,485 2,207 2,400 2,275 2,518 2,643
2,098 373 409 395 698 591 613 602 612
19,968 5,272 4,487 3,452 4,648 5,188 5,781 5,528 5,662
2,484 337 412 837 642 510 496 516 825
10,034 2,585 2,557 2,444 2,606 2,388 2,718 2,746 2,896
1,170 269 384 345 239 339 469 547 1,437
68 81 80 77 81 75 85 85 89
293,341 85,150 84,453 83,492 87,778 88,942 92,598 94,335 98,651
1,170,290 313,193 317,415 302,091 310,176 308,519 322,648 328,119 331,848
2,524,200 623,473 736,919 723,973 722,026 708,651 720,423 728,176 726,591

335,898 93,663 101,627 84,499 88,531 87,229 90,075 88,705 94,143
2,860,097 717,136 838,546 808,472 810,556 795,880 810,498 816,881 820,734
659,477 135,030 225,304 224,969 224,686 210,625 210,129 210,073 209,950
2,200,621 582,106 613,243 583,503 585,870 585,254 600,369 606,808 610,784

854,103 231,414 232,067 221,904 226,201 227,784 235,536 241,849 243,504
316,187 81,778 85,348 80,187 83,975 80,735 87,112 86,271 88,344
1,030,331 268,913 295,827 281,412 275,694 276,736 277,721 278,688 278,935
61,288 15,785 13,792 14,411 15,259 14,131 15,748 14,277 15,559

(250,596) (64,029) (88,411) (78,683) (71,869) (70,405) (73,197) (74,597) (77,175)
(152,933) (45,344) (44,836) (45,573) (47,080) (46,567) (46,334) (46,490) (46,463)
45,502 10,737 10,212 9,550 12,553 12,026 11,825 10,269 10,852
(296,739) (82,851) (109,243) (100,295) (91,137) (90,814) (91,958) (96,541) (97,228)
733,592 186,062 186,585 181,116 184,557 185,922 185,763 182,147 181,707
190,640 48,143 53,180 49,401 50,570 50,725 50,700 50,167 50,040

(7,838) (1,627) (6,533) (4,122) (4,431) (4,245) (4,259) (4,630) (4,613)
182,803 46,516 46,646 45,279 46,139 46,480 46,441 45,537 45,427
550,789 139,547 139,939 135,837 138,418 139,441 139,322 136,610 136,281
5,515,669 5,409,016 5,530,670 5,670,608 5,806,446 5,944,863 6,084,304 5,949,301 6,085,911
657,720 17,893 0 0 0 0 274,326 0 0

(278) 0 0 0 0 0 0 0 0
5,409,016 5,530,670 5,670,608 5,806,446 5,944,863 6,084,304 5,949,301 6,085,911 6,222,192
903,760 322,800 354,116 313,432 337,059 294,364 181,725 167,513 191,522
42,966,432 43,512,711 44,191,158 44,327,130 44,583,021 44,746,160 44,956,587 45,081,646 45,384,697

(6,486,893) (6,568,150) (6,672,841) (6,671,074) (6,667,581) (6,654,656) (6,698,783) (6,663,073) (6,683,042)
(8,574,190) (8,725,878) (8,835,139) (8,829,906) (8,857,792) (8,863,186) (8,862,182) (8,839,384) (8,861,827)
(1,595,228) (1,595,553) (1,621,998) (1,629,383) (1,639,149) (1,646,345) (1,653,934) (1,662,896) (1,673,874)
26,310,122 26,623,130 27,061,180 27,196,766 27,418,500 27,581,973 27,741,688 27,916,293 28,165,953
95,773 95,773 95,773 95,773 95,773 95,773 95,773 95,773 95,773
677,916 677,916 677,916 677,916 677,916 677,916 677,916 677,916 677,916
2,625 2,625 2,625 2,625 2,625 2,625 2,625 2,625 2,625
459,968 459,968 459,968 459,968 459,968 459,968 459,968 459,968 459,968
195,192 196,819 203,353 207,475 211,906 216,150 220,410 225,040 229,653
527,680 530,384 532,220 549,816 559,307 575,831 578,935 586,223 585,693
66,859 66,664 65,478 65,264 66,914 67,981 68,878 69,739 70,480
0 0 0 0 0 0 0 0 0
2,026,012 2,030,148 2,037,333 2,058,837 2,074,408 2,096,244 2,104,505 2,117,284 2,122,108
29,239,894 28,976,079 29,452,628 29,569,035 29,829,967 29,972,581 30,027,917 30,201,089 30,479,584
1,043,051 1,043,051 1,043,051 1,043,051 1,043,051 1,043,051 1,043,051 1,043,051 1,043,051

74,453 74,453 74,453 74,453 74,453 74,453 74,453 74,453 74,453
532,890 532,890 532,890 532,890 532,890 532,890 532,890 532,890 532,890
804,910 804,910 804,910 804,910 804,910 804,910 804,910 804,910 804,910
107,316 107,316 107,316 107,316 107,316 107,316 107,316 107,316 107,316
12,008,276 11,621,555 11,957,219 11,936,802 12,058,322 12,060,525 12,250,117 12,285,950 12,427,404
8,600,684 8,601,936 8,602,883 8,603,870 8,604,864 8,605,834 8,606,581 8,607,310 8,608,070
0 0 0 0 0 0 0 0 0
23,171,580 22,786,111 23,122,722 23,103,291 23,225,805 23,228,978 23,419,319 23,455,880 23,598,094
780,000 780,000 780,000 780,000 780,000 780,000 780,000 780,000 780,000

5,288,314 5,409,968 5,549,906 5,685,744 5,824,161 5,963,602 5,828,599 5,965,209 6,101,490
6,068,314 6,189,968 6,329,906 6,465,744 6,604,161 6,743,602 6,608,599 6,745,209 6,881,490

29,239,894 28,976,079 29,452,628 29,569,035 29,829,966 29,972,581 30,027,917 30,201,089 30,479,584
205,473 20,005 76,164 76,164 76,164 63,956 63,956 69,989 69,989

0 0 0 0 0 0 0 0 0
205,177 51,837 59,597 59,597 59,597 90,194 90,194 41,832 41,832
4,301 1,252 947 987 994 970 747 729 759
171,050 42,764 69,949 69,949 69,949 37,978 37,978 80,714 80,714
(68) 0 0 0 0 0 0 0 0
73,543 19,173 18,646 18,273 17,982 17,527 17,253 16,810 16,656
659,477 135,030 225,304 224,969 224,686 210,625 210,129 210,073 209,950
7,000 7,000 7,000 7,000
48,488 12,585 10,587 11,201 12,044 10,912 12,524 11,048 12,325
0 0 0 0 0 0 0 0 0
12,801 3,200 3,205 3,210 3,215 3,219 3,224 3,229 3,234
0 0 0 0 0 0 0 0 0
61,288 15,785 13,792 14,411 15,259 14,131 15,748 14,277 15,559
(250,596) (64,029) (88,411) (78,683) (71,869) (70,405) (73,197) (74,597) (77,175)

(152,933) (45,344) (44,836) (45,573) (47,080) (46,567) (46,334) (46,490) (46,463)
(403,529) (109,373) (133,247) (124,256) (118,949) (116,972) (119,531) (121,088) (123,638)
43,337 10,737 10,212 9,550 12,553 12,026 11,825 10,269 10,852

35 0 0 0 0 0 0 0 0
141 0 0 0 0 0 0 0 0
1,990 0 0 0 0 0 0 0 0
45,502 10,737 10,212 9,550 12,553 12,026 11,825 10,269 10,852
32,270,038 32,624,021 33,024,080 33,267,267 33,532,773 33,669,467 33,776,313 33,799,373 33,919,814

(7,502,135) (7,591,735) (7,650,485) (7,670,244) (7,700,548) (7,695,793) (7,674,989) (7,620,447) (7,602,430)
24,767,903 25,032,286 25,373,595 25,597,023 25,832,225 25,973,674 26,101,323 26,178,926 26,317,384
9,589,663 9,788,937 10,000,168 10,197,865 10,398,534 10,588,134 10,776,692 10,959,260 11,150,289
(7,918,960) (8,127,424) (8,337,174) (8,548,958) (8,761,633) (8,975,534) (9,189,783) (9,404,370) (9,618,947)
1,670,703 1,661,513 1,662,994 1,648,907 1,636,901 1,612,600 1,586,909 1,554,889 1,531,342
6,079,980 6,181,912 6,340,972 6,174,766 6,090,407 6,045,363 6,067,692 6,086,494 6,167,634

(1,122,917) (1,173,716) (1,222,638) (1,188,004) (1,173,659) (1,170,058) (1,183,482) (1,198,082) (1,229,243)
4,957,063 5,008,195 5,118,334 4,986,762 4,916,747 4,875,305 4,884,210 4,888,413 4,938,391
717,197 754,283 796,223 822,060 851,621 883,003 917,986 953,010 991,635
(574,209) (586,967) (598,526) (608,780) (617,673) (625,353) (631,763) (637,212) (641,870)
142,988 167,316 197,697 213,280 233,948 257,650 286,223 315,798 349,765
1,832,227 1,864,311 1,902,321 1,932,279 1,959,503 1,989,807 2,018,334 2,046,416 2,072,724

(333,422) (353,454) (365,270) (375,380) (385,056) (395,529) (405,322) (414,589) (423,022)
1,498,805 1,510,856 1,537,051 1,556,899 1,574,447 1,594,279 1,613,012 1,631,827 1,649,703
0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
965,530 1,007,312 1,055,257 1,081,624 1,119,051 1,159,304 1,207,429 1,263,080 1,325,726
(178,030) (187,514) (198,698) (205,052) (213,568) (222,554) (233,122) (245,208) (258,697)
787,500 819,799 856,559 876,573 905,483 936,750 974,307 1,017,872 1,067,029
5,180 6,756 8,474 9,844 11,469 13,186 15,085 17,164 19,423
(215) (430) (638) (838) (1,032) (1,218) (1,397) (1,568) (1,732)
4,965 6,326 7,836 9,005 10,437 11,968 13,688 15,595 17,691
33,829,927 34,206,292 34,754,067 34,888,449 35,110,189 35,262,226 35,459,672 35,603,320 35,871,305
(6,486,893) (6,568,150) (6,672,841) (6,671,074) (6,667,581) (6,654,656) (6,698,783) (6,663,073) (6,683,042)

562,315 580,541 601,951 608,774 615,040 620,748 634,733 638,941 651,565
(5,924,578) (5,987,609) (6,070,890) (6,062,300) (6,052,541) (6,033,909) (6,064,050) (6,024,132) (6,031,478)
(1,835,130) (1,468,076) (1,487,335) (1,497,658) (1,506,757) (1,510,778) (1,514,850) (1,516,479) (1,519,979)

(279,215) (273,441) (281,528) (275,421) (272,948) (272,198) (274,480) (276,535) (281,346)
(162,587) (163,797) (166,637) (168,788) (170,691) (172,841) (174,872) (176,911) (178,849)
(19,896) (20,275) (21,167) (21,706) (22,401) (23,139) (24,020) (25,038) (26,176)
0 0 0 0 0 0 0 0 0
701,601 330,035 334,668 334,190 333,647 332,611 334,288 332,067 332,476
(1,595,228) (1,595,553) (1,621,998) (1,629,383) (1,639,149) (1,646,345) (1,653,934) (1,662,896) (1,673,874)
26,310,122 26,623,130 27,061,180 27,196,766 27,418,500 27,581,973 27,741,688 27,916,293 28,165,953
113,514 113,185 111,259 110,900 113,545 115,252 116,685 118,059 119,241

(46,655) (46,522) (45,781) (45,635) (46,632) (47,272) (47,807) (48,320) (48,761)
66,859 66,664 65,478 65,264 66,914 67,981 68,878 69,739 70,480
1,203,754 1,217,794 1,231,070 1,260,265 1,281,678 1,310,455 1,326,041 1,346,161 1,358,688

(676,074) (687,410) (698,850) (710,449) (722,371) (734,624) (747,107) (759,938) (772,995)
527,680 530,384 532,220 549,816 559,307 575,831 578,935 586,223 585,693
0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
744,158 744,233 744,306 744,381 744,458 744,533 744,610 744,686 744,766
7,856,525 7,857,703 7,858,577 7,859,488 7,860,406 7,861,301 7,861,971 7,862,624 7,863,304
8,600,684 8,601,936 8,602,883 8,603,870 8,604,864 8,605,834 8,606,581 8,607,310 8,608,070
550,789 139,547 139,939 135,837 138,418 139,441 139,322 136,610 136,281

42,059 11,336 11,440 11,598 11,922 12,253 12,483 12,832 13,057
(79,253) (1,627) (6,533) (4,122) (4,431) (4,245) (4,259) (4,630) (4,613)
1,941 325 26,445 7,385 9,766 7,196 7,589 8,962 10,978
278 0 0 0 0 0 0 0 0
515,814 149,580 171,291 150,698 155,675 154,646 155,134 153,773 155,703
(239,965) (376,364) (547,776) (134,381) (221,740) (152,037) (197,445) (143,648) (267,985)

448,608 63,031 83,281 (8,590) (9,759) (18,632) 30,141 (39,918) 7,346
(10,160) 0 0 0 0 0 0 0 0
981,541 0 0 0 0 0 0 0 0
(16,477) 0 0 0 0 0 0 0 0
(1,974) 195 1,185 214 (1,649) (1,067) (897) (861) (741)
0 0 0 0 0 0 0 0 0
633,716 0 0 0 0 0 0 0 0
13,223 0 0 0 0 0 0 0 0
251,484 0 0 0 0 0 0 0 0
(55,025) 0 0 0 0 0 0 0 0
2,520,784 (163,558) (292,019) 7,941 (77,474) (17,091) (13,067) (30,654) (105,678)
(21,487) (14,039) (13,276) (29,194) (21,413) (28,777) (15,586) (20,120) (12,527)

(21,487) (14,039) (13,276) (29,194) (21,413) (28,777) (15,586) (20,120) (12,527)
(2,762,135) (386,721) 335,664 (20,417) 121,520 2,203 189,593 35,832 141,455

1,678,991 1,252 947 987 994 970 747 729 759
0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
(657,720) (17,893) 0 0 0 0 (274,326) 0 0
(64,523) 0 0 0 0 0 0 0 0
(1,805,388) (403,362) 336,611 (19,430) 122,514 3,173 (83,986) 36,561 142,214
693,910 (580,960) 31,315 (40,684) 23,627 (42,695) (112,639) (14,212) 24,009
209,851 903,760 322,801 354,116 313,432 337,059 294,364 181,725 167,513
903,760 322,801 354,116 313,432 337,059 294,364 181,725 167,513 191,522
1,147,051 1,140,846 1,155,472 1,166,273 1,175,914 1,180,972 1,183,367 1,187,216 1,190,308

267,418 271,824 279,910 273,804 271,331 270,581 272,863 274,918 279,729
162,490 163,797 166,637 168,788 170,691 172,841 174,872 176,911 178,849
18,269 19,087 19,979 20,518 21,213 21,951 22,833 23,850 24,988
0 0 0 0 0 0 0 0 0
1,595,228 1,595,553 1,621,998 1,629,383 1,639,149 1,646,345 1,653,934 1,662,896 1,673,874
20,619,351 20,811,513 21,071,023 21,288,953 21,521,909 21,657,689 21,729,506 21,815,007 21,922,572

5,060,999 5,136,459 5,276,978 5,160,989 5,111,642 5,093,902 5,131,380 5,165,158 5,249,103
1,498,805 1,510,856 1,537,051 1,556,899 1,574,447 1,594,279 1,613,012 1,631,827 1,649,703
726,195 759,855 798,125 819,308 849,650 882,448 921,724 967,197 1,018,450
0 0 0 0 0 0 0 0 0
27,905,349 28,218,682 28,683,178 28,826,149 29,057,648 29,228,318 29,395,622 29,579,188 29,839,828
5.6% 5.5% 5.5% 5.5% 5.5% 5.5% 5.4% 5.4% 5.4%

5.3% 5.3% 5.3% 5.3% 5.3% 5.3% 5.3% 5.3% 5.3%
10.8% 10.8% 10.8% 10.8% 10.8% 10.8% 10.8% 10.8% 10.8%
2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5%
0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
5.7% 5.7% 5.7% 5.7% 5.6% 5.6% 5.6% 5.6% 5.6%
35,549 35,415 34,674 34,529 35,525 36,165 36,701 37,214 37,654

11,106 11,106 11,106 11,106 11,106 11,106 11,106 11,106 11,106
46,655 46,522 45,781 45,635 46,632 47,272 47,807 48,320 48,761
92,811 92,482 90,556 90,196 92,842 94,549 95,982 97,356 98,538

20,703 20,703 20,703 20,703 20,703 20,703 20,703 20,703 20,703
113,514 113,185 111,259 110,900 113,545 115,252 116,685 118,059 119,241
38.3% 38.3% 38.3% 38.3% 38.3% 38.3% 38.2% 38.2% 38.2%

53.6% 53.6% 53.6% 53.6% 53.6% 53.6% 53.6% 53.6% 53.6%
41.1% 41.1% 41.1% 41.2% 41.1% 41.0% 41.0% 40.9% 40.9%
5.9% 5.8% 5.8% 5.8% 5.8% 5.8% 5.8% 5.8% 5.7%
148,695 45,477 45,577 45,719 46,083 45,927 45,799 45,977 46,023

248,656 63,704 61,965 71,298 62,103 63,208 65,608 65,635 66,197
(43,337) (10,737) (10,212) (9,550) (12,553) (12,026) (11,825) (10,269) (10,852)
354,013 98,445 97,330 107,467 95,633 97,109 99,582 101,344 101,368
4,238 (134) (741) (146) 997 640 536 513 440
27,905,349 28,218,682 28,683,178 28,826,149 29,057,648 29,228,318 29,395,622 29,579,188 29,839,828

113,514 113,185 111,259 110,900 113,545 115,252 116,685 118,059 119,241
27,373,949 27,577,700 27,792,861 27,966,174 28,137,329 28,308,792 28,470,946 28,630,570 28,795,394

3.9% 4.3% 4.2% 4.6% 4.1% 4.1% 4.2% 4.2% 4.2%
1,330,896 1,344,583 1,365,436 1,371,186 1,379,472 1,385,505 1,391,873 1,399,389 1,408,076
5.9% 5.8% 5.8% 5.8% 5.8% 5.8% 5.8% 5.8% 5.7%
4.8% 4.7% 4.7% 4.7% 4.7% 4.7% 4.7% 4.71% 4.70%
1.11% 1.05% 1.05% 1.05% 1.05% 1.05% 1.05% 1.05% 1.05%
1,147,051 1,140,846 1,155,472 1,166,273 1,175,914 1,180,972 1,183,367 1,187,216 1,190,308

267,418 271,824 279,910 273,804 271,331 270,581 272,863 274,918 279,729
162,490 163,797 166,637 168,788 170,691 172,841 174,872 176,911 178,849
18,269 19,087 19,979 20,518 21,213 21,951 22,833 23,850 24,988
0 0 0 0 0 0 0 0 0
1,595,228 1,595,553 1,621,998 1,629,383 1,639,149 1,646,345 1,653,934 1,662,896 1,673,874
26,438,606 26,693,799 27,036,590 27,245,930 27,469,126 27,586,274 27,688,233 27,733,816 27,848,726

5,100,051 5,175,511 5,316,031 5,200,042 5,150,695 5,132,955 5,170,433 5,204,211 5,288,156
1,498,805 1,510,856 1,537,051 1,556,899 1,574,447 1,594,279 1,613,012 1,631,827 1,649,703
792,465 826,125 864,395 885,578 915,920 948,719 987,995 1,033,467 1,084,721
0 0 0 0 0 0 0 0 0
33,829,927 34,206,292 34,754,067 34,888,449 35,110,189 35,262,226 35,459,672 35,603,320 35,871,305
4.3% 4.3% 4.3% 4.3% 4.3% 4.3% 4.3% 4.3% 4.3%

5.2% 5.3% 5.3% 5.3% 5.3% 5.3% 5.3% 5.3% 5.3%
10.8% 10.8% 10.8% 10.8% 10.8% 10.8% 10.8% 10.8% 10.8%
2.3% 2.3% 2.3% 2.3% 2.3% 2.3% 2.3% 2.3% 2.3%
4.7% 4.7% 4.7% 4.7% 4.7% 4.7% 4.7% 4.7% 4.7%
35,549 35,415 34,674 34,529 35,525 36,165 36,701 37,214 37,654

11,106 11,106 11,106 11,106 11,106 11,106 11,106 11,106 11,106
46,655 46,522 45,781 45,635 46,632 47,272 47,807 48,320 48,761
92,811 92,482 90,556 90,196 92,842 94,549 95,982 97,356 98,538

20,703 20,703 20,703 20,703 20,703 20,703 20,703 20,703 20,703
113,514 113,185 111,259 110,900 113,545 115,252 116,685 118,059 119,241
38.3% 38.3% 38.3% 38.3% 38.3% 38.3% 38.2% 38.2% 38.2%

53.6% 53.6% 53.6% 53.6% 53.6% 53.6% 53.6% 53.6% 53.6%
41.1% 41.1% 41.1% 41.2% 41.1% 41.0% 41.0% 40.9% 40.9%
4.8% 4.8% 4.8% 4.8% 4.8% 4.8% 4.8% 4.8% 4.8%
148,695 45,477 45,577 45,719 46,083 45,927 45,799 45,977 46,023

248,656 63,704 61,965 71,298 62,103 63,208 65,608 65,635 66,197
(43,337) (10,737) (10,212) (9,550) (12,553) (12,026) (11,825) (10,269) (10,852)
354,013 98,445 97,330 107,467 95,633 97,109 99,582 101,344 101,368
4,238 (134) (741) (146) 997 640 536 513 440
33,829,927 34,206,292 34,754,067 34,888,449 35,110,189 35,262,226 35,459,672 35,603,320 35,871,305

113,514 113,185 111,259 110,900 113,545 115,252 116,685 118,059 119,241
32,969,326 33,216,952 33,477,670 33,706,288 33,907,048 34,104,446 34,304,691 34,503,691 34,706,014
1.4% 1.6% 1.6% 1.6% 1.6% 1.6% 1.6% 1.6% 1.6%

2.3% 2.3% 2.2% 2.5% 2.2% 2.2% 2.3% 2.3% 2.3%
-0.4% -0.4% -0.4% -0.3% -0.4% -0.4% -0.4% -0.4% -0.4%
3.2% 3.6% 3.5% 3.8% 3.4% 3.4% 3.5% 3.5% 3.5%
1.6% 1.2% 1.3% 1.0% 1.4% 1.4% 1.3% 1.3% 1.3%
868,930 255,641 270,981 253,618 257,432 243,230 241,895 234,209 245,065

1,329,143 385,729 408,874 382,676 388,430 367,002 364,988 353,390 369,770
432,246 120,772 128,019 119,816 121,618 114,909 114,278 110,647 115,775

20,659 4,520 3,660 3,820 4,011 4,042 4,042 4,106 4,106
333,566 85,521 99,026 58,512 67,520 72,021 81,024 81,024 90,028
258,219 71,212 75,828 75,185 75,420 76,870 77,450 78,321 78,901
2,980 1,168 1,272 1,015 1,204 1,272 1,406 1,540 1,674
1,047,670 283,193 307,805 258,348 269,772 269,114 278,201 275,637 290,484
49.7% 47.2% 47.2% 47.2% 47.2% 47.2% 47.2% 47.2% 47.2%
32.5% 31.3% 31.3% 31.3% 31.3% 31.3% 31.3% 31.3% 31.3%
6,188,331 1,690,810 1,792,264 1,677,427 1,702,651 1,608,721 1,599,893 1,549,054 1,620,857

205,994 41,131 33,310 34,759 36,497 36,786 36,786 37,366 37,366
2,081,072 513,126 594,153 351,072 405,117 432,126 486,144 486,144 540,167
966,247 247,390 263,426 261,192 262,009 267,047 269,063 272,086 274,101
210,359 77,248 83,710 68,727 79,052 83,177 91,458 99,816 108,097
9,652,003 2,569,705 2,766,863 2,393,177 2,485,325 2,427,858 2,483,345 2,444,465 2,580,587
29.6% 28.1% 28.1% 28.1% 28.1% 28.1% 28.1% 28.1% 28.1%
34.6% 33.8% 33.8% 33.8% 33.8% 33.8% 33.8% 33.8% 33.8%
41.4% 38.1% 38.1% 38.1% 38.1% 38.1% 38.1% 38.1% 38.1%
58.9% 56.9% 56.9% 56.9% 56.9% 56.9% 56.9% 56.9% 56.9%
18.0% 18.0% 18.1% 17.9% 18.1% 18.1% 18.1% 18.2% 18.2%
34.9% 32.7% 32.8% 32.5% 32.5% 32.8% 32.9% 33.0% 32.9%
9.4% 9.2% 10.0% 10.0% 10.0% 10.0% 10.0% 10.0% 10.0%
25.5% 23.4% 22.7% 22.5% 22.5% 22.8% 22.9% 23.0% 22.9%
33,829,927 34,206,292 34,754,067 34,888,449 35,110,189 35,262,226 35,459,672 35,603,320 35,871,305

550,789 139,547 139,939 135,837 138,418 139,441 139,322 136,610 136,281
2.50% 2.57% 2.66% 2.49% 2.59% 2.48% 2.7% 2.6% 2.7%
4.43% 4.59% 4.60% 4.29% 4.27% 4.27% 4.4% 4.5% 4.4%
2.32% 2.67% 2.63% 2.59% 2.71% 2.73% 2.8% 2.9% 3.0%
6.74% 7.26% 7.24% 6.88% 6.98% 7.00% 7.2% 7.4% 7.4%
9.24% 9.83% 9.90% 9.37% 9.57% 9.48% 9.9% 10.0% 10.1%
3.4 3.3 3.2 3.2 3.1 3.1 3.2 3.1 3.1
4.4 4.2 4.2 4.1 4.0 4.0 4.1 4.0 3.9
27.2% 27.1% 26.5% 25.2% 25.2% 24.8% 25.3% 24.3% 23.8%
5.7% 5.8% 5.7% 5.5% 5.6% 5.6% 5.6% 5.4% 5.4%
13,204 13,500 13,500 13,500 13,500 13,500 13,500 13,500 13,500
OL I 2016
1,594,759
16,025
18,627
43,571
26,228
6,411
1,705,621
788,023
23,662
178,252
989,937
234,297
139,898
111,487
128,847
64,250
194,952
24,676
6,393
59,985
7,060
30,974
5,201
722
1,008,741
3,704,299
OL I 2016
8,214,432
1,064,369
9,278,801
2,310,244
6,968,557
2,714,362
989,937
3,264,258
180,250
(848,962)
(521,621)
133,526
(1,056,806)
2,207,451
593,567
(42,299)
551,268
1,656,184
6,084,304
274,326
0
7,466,162
OL I 2016
191,522
45,384,697
(6,683,042)
(8,861,827)
(1,673,874)
28,165,953
95,773
677,916
2,625
459,968
229,653
585,693
70,480
0
2,122,108
30,479,584
1,043,051
74,453
532,890
804,910
107,316
12,427,404
8,608,070
0
23,598,094
780,000
6,101,490
6,881,490
30,479,584
OL I 2016
721,860
0
699,856
11,687
661,044
(68)
215,865
2,310,244
141,714
0
38,537
0
180,250
(848,962)
(521,621)
(1,370,582)
131,361
35
141
1,990
133,526
OL I 2016
33,919,814
(7,602,430)
26,317,384
11,150,289
(9,618,947)
1,531,342
6,167,634
(1,229,243)
4,938,391
991,635
(641,870)
349,765
2,072,724
(423,022)
1,649,703
0
0
0
1,325,726
(258,697)
1,067,029
19,423
(1,732)
17,691
35,871,305
(6,683,042)
651,565
(6,031,478)
(1,519,979)
(281,346)
(178,849)
(26,176)
0
332,476
(1,673,874)
28,165,953
119,241
(48,761)
70,480
1,358,688
(772,995)
585,693
0
0
744,766
7,863,304
8,608,070
OL I 2016
1,656,184
138,980
(113,714)
80,587
278
1,762,314
(2,281,343)
555,508
0
(10,160)
981,541
(16,477)
(5,596)
0
0
633,716
13,223
251,484
(55,025)
1,829,184
(176,420)
(176,420)
(2,343,007)
1,686,377
0
0
(949,939)
(64,523)
(1,671,092)
(18,329)
209,851
191,522
OL I 2016
1,190,308
279,729
178,849
24,988
0
1,673,874
21,922,572
5,249,103
1,649,703
1,018,450
0
29,839,828
5.4%
5.3%
10.8%
2.5%
0.0%
5.6%
37,654
11,106
48,761
98,538
20,703
119,241
38.2%
53.6%
40.9%
5.7%
515,277
768,375
(131,361)
1,152,291
6,343
29,839,828
119,241
28,795,394
4.0%
1,408,076
5.7%
4.70%
1.05%
OL I 2016
1,190,308
279,729
178,849
24,988
0
1,673,874
27,848,726
5,288,156
1,649,703
1,084,721
0
35,871,305
4.3%
5.3%
10.8%
2.3%
4.7%
37,654
11,106
48,761
98,538
20,703
119,241
38.2%
53.6%
40.9%
4.8%
515,277
768,375
(131,361)
1,152,291
440
35,871,305
119,241
34,706,014
1.5%
2.2%
-0.4%
3.3%
1.5%
OL I 2016
2,871,000
4,350,000
1,378,080
52,967
968,241
867,406
13,531
3,280,224
48.0%
31.7%
19,430,007
499,994
5,889,120
3,082,561
901,645
29,803,327
28.6%
34.1%
39.3%
57.5%
18.1%
33.3%
9.7%
23.5%
35,871,305
1,656,184 1.047907
2.5%
4.3%
2.6%
6.9%
9.4%
3.1
3.9
24.1%
5.4%
13,500
Major Strategies / BU Focus Strategies
FIFGROUP
No. Strategy Priority Implementation Plans/Strategy
1 Strong Honda motorcycle market share to Strengthen strategic partnership for

achieve MSCP 50% sustainable growth through synergy
Honda value chain
2 Leverage asset growth in non Honda 1. Spektra Regular
motorcycle business 2. Micro Financing
•Productive
•Multiguna
3. UCMC
•UF
•UMC Regular
•CAR
3 Build up new business opportunities based Optimize RO booking through :
on utilization of customer database & •Telemarketing
potency in middle low segment •Membership strategy (KBS)
•FIFGROUP mobile customer
4 Prudent acquisition & strengthen •Mobile application for order
integrated risk management & internal management
control supported by technology based •Centralize credit management
process
•Mobile application for collection
•Centralized desk collection
5 Leverage value internalization for higher •Basic mentally refreshment
employee productivity
•Cell internalization, change
management agent
Target Ytd April Achievement Ytd April
MSCP: 45.00% MSCP : 49.74%

MS to HSO Credit Sales : 70.00% MS to HSO Credit Sales : 75.55%
Amount Financed (IDR) : •Amount Financed Regular (IDR) : 917.46 bio

883.69 bio •Amount Financed Micro (IDR) : 47.36 bio
•Unit Financed : 265,325 •Unit Financed : 333,566

RO portion from total AF : 30% RO portion from total AF : 46.60%
- OD>60 Day : 2.50% - OD>60 Day : 1.43%

- Time Service Ratio : 70% - Time Service Ratio : 94.88%
- Stock Aging : 1% - Stock Aging : 0%
- Productivity Index : 3.76 (GP/Empl. - Productivity Index : 3.92

Exp.)
- Talent Turnover : 8% (GP/Empl. Exp.)
- Talent Turnover : 0%
CLA Company
1. NPAT Trading Profit

(60%)
2. RO portion Major Strategies /

(10%) BU Focus
Strategies
(40%)
3. Time Service
Ratio (10%)
4. Stock Aging
(10%)
5. Talent Turnover
(10%)
PT FEDERAL INTERNATIONAL FINANCE
CLA COMPANY 2016
No. Item Unit #REF! Target KPI Notes Target

Weight 2015 KPI
2015
Trading Profit
1 NPAT IDR Bio 60.00% 1,403.66 OL I
2 Time service ratio ≤ 6 hours % 10.00% 70.00% CLA Target
3 Stock aging > 90 days % 10.00% 1.00% CLA Target
4 CRM - Repeat order % 10.00% 17.00% CLA
5 % Talent turn over % 10.00% 8.00% CLA
CLA Achievement
Actual 2015 Achievement Projection Target KPI Notes Target
2015 CLA 2016 KPI
Points
2014
1,580.47 112.60% 67.56% 1,580.47 Actua 2015
93.97% 125.00% 9.38% 70.00% CLA

0.00% 125.00% 12.50% 1.00% CLA
39.78% 125.00% 12.50% 17.00% CLA
0.00% 125.00% 12.50% 8.00% CLA
114.43%
Projection Notes Projection Projection Formula
Actual 2016 Projection Achievement CLA
Actual 2016 2016 Points
2014
1,750.00 Operational 110.73% 66.44% Lebih besar lebih baik
95.37% Operational 125.00% 12.50% Lebih besar lebih baik

0.00% Operational 125.00% 12.50% Lebih kecil lebih baik
46.36% Operational 125.00% 12.50% Lebih besar lebih baik
0.00% Operational 125.00% 12.50% Lebih kecil lebih baik
116.44%
Formulation
Actual / target -
Actual vs target Max 125%

1+((Target - Actual)/ Target) Max 125%
Actual / target Max 125%
1+((Target - Actual)/ Target) Max 125%
FIF GROUP
December-14
Description
Honda Credit Sales (AHM) unit
Honda Sales ( AHM ) unit
Contract in Unit :
- NMC unit
- UMC Reguler unit
- UMC Financing unit
- MPF unit
- New Car unit
- Used Car unit
Total Contract in Unit unit
Motor - New / Honda Credit Sales (AHM) %
Motor - New / Honda Sales ( AHM ) %
- NMC Rp.
- UMC Reguler Rp.
- UMC Financing Rp.
- MPF Rp.
- New Car Rp.
- Used Car Rp.
Total Amount Contract Value Rp.
WAR NMC %
WAR UMC Reguler %
WAR UMC Financing %
WAR MPF %
WAR New Car %
WAR Used Car %
Average WAR %
COF %
Spread %
Write off
FIF GROUP
December-14
Description
Outstanding Account unit
A/R Quality :
Net Service Asset ( Principal ) Rp.
Balance overdue 1 - 30 days Rp.
Balance overdue > 90 days Rp.
Balance overdue 1 - 30 days %
Balance overdue > 90 days %
Beginning Stock unit

In Stock unit
Sold Stock unit
Ending Stock unit
Total Borrowing Rp.

Other Liabilities Rp.
Equity Rp.
Total Asset Rp.
Net Profit After Tax Rp.
Total Expense to ASA - Rolling Average %

Marketing exp to ASA - rolling average %
Employee exp to ASA - rolling average %
Others exp to ASA - rolling average %
Productivity
OPM (Operating Profit / Total Revenue) %
NPM (NPAT / Total Revenue) %
DER excl. JF (Borrowing / Net Worth)
DER incl. JF (Borrowing + JF / Net Worth)
ROE (NPAT / Equity) %
ROA (NPAT / Asset) %
EPS (NPAT / Total Shares) - Annualized Rp.
# of Employee
USD/IDR
# of Branches
# of Outlets
FIF GROUP
December-14
Description
Revenue
Consumer financing - Gross Rp.
Consumer financing - JF Rp.
Dealer Incentive Amortization Rp.
Consumer financing - net Rp.
Administration Income Rp.
TOTAL OPERATING REVENUE Rp.
Interest and financial charges Rp.
GROSS PROFIT Rp.
Operating expenses Rp.

Marketing expenses Rp.
OPERATING PROFIT Rp.

Interest & penalty income Rp.
Allowance for doubtful accounts Rp.
Gain/(loss) on repossessed asset Rp.
Other income (expense) Rp.
Total other income (expense) Rp.
INCOME BEFORE TAX Rp.
Income tax expense

Current tax Rp.
Provision for income tax Rp.
Total provision for income tax Rp.
NET INCOME Rp.
Retained Earning Beginning
Dividend
Adjustment Retained Earning
RETAINED EARNING ENDING
FIF GROUP
Supplementary IS
December-14
Description
Loan interest expenses Rp.

JF interest expenses Rp.
Bonds interest expenses Rp.
Bonds issuance expenses Rp.
Swap Cost Rp.
Forex differential Rp.
Bank charges Rp.
Interest and financial charges Rp.
Penalty income Rp.

Time deposits Rp.
Current accounts Rp.
Mutual fund Rp.
Interest & penalty income Rp.
Recovery of written-off receivables Rp.

Gain on sale of fixed assets Rp.
Discount Insurance Rp.
Others Rp.
Other income-net Rp.
FIF GROUP
Operating Expenses
December-14
Description
Employee compensation Rp.
Employee benefit KEPMEN 150 Rp.
Wages Rp.
Employee welfare Rp.
People Development & CopPlan Review Rp.
Recruitment Rp.
EMPLOYEE EXPENSES Rp.
Advertising and promotion Rp.
PGC incentives Rp.
Taxes and licenses Marketing Rp.
MARKETING EXPENSES Rp.
Rent Rp.
Depreciation Rp.
Communications Rp.
Repairs and maintenance Rp.
Office supplies Rp.
Professional fee Rp.
Tax and Licenses Non-Marketing Rp.
Insurance Rp.
Travelling Rp.
Representation and entertainment Rp.
Electricity, water and gas Rp.
Donation and contribution Rp.
Beban extra ordinary Rp.
OTHERS EXPENSES Rp.
TOTAL EXPENSES Rp.
FIF GROUP
Balance Sheets
December-14
Description
ASSETS
Cash and cash equivalents Rp.

- Consumer financing receivables - gross Rp.
- Joint financing receivables - gross Rp.
- Unearned income on consumer financing Rp.
- Allowance for doubtful accounts Rp.
Consumer financing receivables - net Rp.
Other receivables Rp.
Derivative receivables Rp.
Prepaid tax Rp.
Prepaid expenses Rp.
Deferred tax assets Rp.
Fixed assets - net Rp.
Repossessed assets - net Rp.
Other assets Rp.
Total Other Assets Rp.
TOTAL ASSETS Rp.

Liabilities
Overdraft Rp.
Other payables Rp.
Derivative Payables Rp.
Insurance premium payables Rp.
Accrued Expenses Rp.
Taxes payable Rp.
Bank loans Rp.
FIF Bonds Rp.
JF payable Rp.
Total Liabilities Rp.
Equity
Share capital Rp.
Retained Earnings Rp.
Total Equity Rp.
TOTAL LIABILITIES AND EQUITY Rp.
Repossessed assets Rp.

Allowance Repossessed assets Rp.
Repossessed assets - net Rp.
Fixed assets Rp.

Depreciation of Fixed assets Rp.
Net book value Rp.
FIF GROUP
Detail Perhitungan Provision - NSA OWN RISK #1
December-14
Description
Account Receivables
Provision :
Total Rp.
AR own risk :
- NMC Rp.
- UMC Reguler Rp.
- UMC Financing Rp.
- MPF Rp.
- New Car Rp.
- Used Car Rp.
Total Rp.
% Provision :
Total %
Repossess Asset
Provision :
Total Rp.
Repossess Asset :
- NMC Rp.
- UMC Reguler Rp.
- UMC Financing Rp.
- MPF Rp.
- New Car Rp.
- Used Car Rp.
Total Rp.
% Provision :
Total %
Total %
FIF GROUP
Detail Perhitungan Provision - NSA OWN RISK #2
December-14
Description
Net Losses
Loss on Repo (LOR) Rp.
Write off Rp.
Recovery Income Rp.
Net Losses Rp.
NSA-1 Rp.
RA Rp.
ASA-1 + ARA
LOR / ASA-1 + ARA
Write off / ASA-1 + ARA
Recovery Income / / ASA-1 + ARA
Net Losses FIF / ASA-1 + ARA
Surplus (defisit) of provision [ASA-1+ARA]

Projected Net Losses (YTD)
Provision / NSA-1 & RA
% Projected Net Losses / NSA-1 & RA
Surplus (deficit) of provision
FIF GROUP
Detail Perhitungan Provision - NSA ALL #1
December-14
Description
AR - ALL :
- NMC Rp.
- UMC Reguler Rp.
- UMC Financing Rp.
- MPF Rp.
- New Car Rp.
- Used Car Rp.
Total Rp.
12
YTD 2013
Dec-13 Jan-14 Feb-14 Mar-14 Apr-14
2,844,103 212,656 213,015 239,137 251,986
4,652,958 343,384 337,300 377,345 388,541
1,313,949 90,488 91,804 108,441 113,633

79,211 5,852 5,591 5,897 6,055
442,713 43,542 47,147 51,034 52,692
774,395 65,557 59,141 66,075 67,511
493 96 114 120 152
1,198 292 356 416 407
2,611,959 205,827 204,153 231,983 240,450
46.2% 42.6% 43.1% 45.3% 45.1%
28.2% 26.4% 27.2% 28.7% 29.2%
15,509,308 1,093,854 1,106,531 1,319,379 1,422,591

698,879 53,230 51,186 53,523 55,364
2,593,147 257,427 279,644 304,555 317,616
2,450,051 216,154 197,567 220,894 226,112
65,876 12,377 13,450 16,766 21,467
102,064 21,632 22,799 29,698 28,520
21,419,325 1,654,674 1,671,179 1,944,815 2,071,670
28.3% 29.8% 29.3% 29.7% 29.5%

32.7% 32.6% 32.7% 33.5% 33.7%
40.7% 41.5% 41.1% 41.1% 41.1%
55.7% 56.0% 55.4% 55.5% 55.7%
14.6% 15.6% 15.4% 14.4% 14.4%
14.4% 16.5% 17.6% 17.4% 17.8%
32.99% 34.86% 34.18% 34.21% 33.95%
9.5% 10.9% 10.5% 10.0% 9.7%
23.5% 23.9% 23.7% 24.2% 24.2%
601,611 50,063 48,815 48,707 49,773
12
YTD 2013
3,864,701 3,864,840 3,864,610 3,873,406 3,896,446
26,055,575 26,079,921 26,086,246 26,203,901 26,505,901

1,236,168 1,154,109 1,525,725 1,096,800 1,276,156
364,778 307,774 297,390 350,739 245,831
186,639 192,991 178,143 181,247 195,965
192,470 187,775 184,456 180,366 169,817
4.74% 4.43% 5.85% 4.19% 4.81%
1.40% 1.18% 1.14% 1.34% 0.93%
0.72% 0.74% 0.68% 0.69% 0.74%
0.74% 0.72% 0.71% 0.69% 0.64%
8,762 5,404 5,398 5,330 5,310

94,880 6,860 6,137 7,436 6,671
98,238 6,866 6,205 7,456 6,683
5,404 5,398 5,330 5,310 5,298
15,502,990 15,735,898 15,556,283 16,645,111 14,688,233

2,190,885 2,040,592 2,197,264 2,647,489 3,022,997
4,785,206 4,885,351 4,955,140 5,054,149 4,518,569
22,479,082 22,661,841 22,708,688 24,346,749 22,229,799
1,250,818 103,908 101,294 103,695 104,875
10.03% 10.13% 9.93% 10.22% 10.27%

2.72% 2.55% 2.52% 2.81% 2.87%
4.65% 4.83% 4.78% 4.71% 4.69%
2.66% 2.75% 2.63% 2.69% 2.71%
245 243 245 247 245
36.1% 33.4% 30.7% 33.1% 31.9%
20.2% 19.4% 19.5% 18.6% 18.9%
3.2 3.2 3.1 3.3 3.3
4.4 4.3 4.2 4.3 4.4
26.1% 25.5% 24.5% 24.6% 27.9%
5.6% 5.5% 5.4% 5.1% 5.7%
4,466 4,452 4,340 4,442 4,493
15,781 15,906 15,776 15,684 15,899

12,189 12,226 11,634 11,404 11,532
164 169 170 170 171
391 390 390 390 392
12
YTD 2013
7,368,648 679,824 657,165 725,130 696,272

(640,150) (54,007) (53,481) (58,742) (55,992)
(1,290,151) (151,795) (147,390) (182,224) (162,560)
5,438,346 474,022 456,295 484,164 477,720
749,719 60,467 62,766 73,100 77,429
6,188,066 534,489 519,061 557,264 555,149
1,325,168 118,672 123,842 126,425 128,789
4,862,898 415,817 395,219 430,839 426,360
1,921,454 177,472 175,938 178,417 179,575

708,460 59,594 59,788 67,743 69,587
2,232,984 178,751 159,493 184,679 177,198
225,322 18,176 19,431 23,287 20,225

(599,824) (46,103) (33,669) (56,079) (49,392)
(364,583) (27,934) (24,444) (29,449) (26,211)
175,192 13,467 13,324 13,664 15,148
(563,894) (42,393) (25,358) (48,578) (40,231)
1,669,090 136,357 134,135 136,101 136,966
503,648 28,752 20,557 33,163 26,614

(85,376) 3,698 12,284 (757) 5,478
418,272 32,450 32,841 32,406 32,091
1,250,818 103,908 101,294 103,695 104,875
3,858,217 4,149,457 4,253,828 4,355,122 4,458,817
974,769 0 0 0 642,935
(15,191) (464) 0 0 0
4,149,457 4,253,828 4,355,122 4,458,817 3,920,757
12
YTD 2013
249,097 24,524 22,365 19,332 24,064

0 0 0 0 0
656,763 50,490 50,951 63,535 61,352
13,968 869 1,226 1,187 1,768
279,491 30,168 35,785 33,168 31,615
10,838 2,091 2,386 (1,761) (2,487)
115,011 10,530 11,129 10,964 12,476
1,325,168 118,672 123,842 126,425 128,789
162,277 13,901 9,684 10,414 10,102

1,096 0 0 0 0
61,949 4,276 9,747 12,872 10,123
0 0 0 0 0
225,322 18,176 19,431 23,287 20,225
168,009 12,761 12,923 12,579 12,206

(92) 0 6 4 33
6 0 0 1 0
7,268 706 396 1,081 2,908
175,192 13,467 13,324 13,664 15,148
12
YTD 2013
1,133,393 108,095 107,783 104,432 107,813
27,704 (1,777) 4,483 2,242 2,242
7,071 563 534 610 597
20,430 3,092 218 3,595 1,856
28,721 2,803 188 2,359 1,059
4,482 312 313 259 277
1,221,801 113,088 113,520 113,497 113,843
596,299 50,321 49,175 55,457 59,808
15,099 1,109 1,255 1,423 1,503
97,062 8,165 9,359 10,863 8,276
708,460 59,594 59,788 67,743 69,587
163,498 14,854 12,998 13,739 13,563
88,397 8,375 8,384 7,929 7,785
91,481 7,386 6,999 8,096 7,388
61,962 5,606 6,137 6,756 6,829
50,302 4,093 4,792 5,962 4,928
149,619 17,027 16,009 13,580 17,348
10,315 265 311 1,154 887
5,613 206 714 591 331
40,068 3,710 2,805 4,273 3,745
4,890 430 482 530 320
23,110 1,924 1,905 2,015 1,982
10,167 508 971 185 608
230 0 (88) 109 17
699,653 64,384 62,418 64,920 65,733
2,629,914 237,067 235,726 246,160 249,163
12
YTD 2013
905,525 1,380,607 1,687,798 2,908,305 721,190
32,900,737 32,896,930 32,934,757 33,086,456 33,566,769

(5,918,448) (6,026,364) (6,083,757) (5,692,516) (5,944,741)
(6,281,619) (6,231,419) (6,238,078) (6,322,220) (6,450,144)
(1,353,623) (1,349,663) (1,334,516) (1,341,888) (1,341,507)
19,347,047 19,289,484 19,278,405 19,729,832 19,830,377
27,053 37,346 41,651 55,642 46,880
1,362,426 1,124,556 869,154 738,725 711,544
0 0 7 7 0
188,641 177,370 170,857 225,451 223,244
267,787 265,344 263,560 265,879 259,575
338,969 344,328 354,684 380,233 393,338
41,633 42,806 42,571 42,674 43,650
0 0 0 0 0
2,226,509 1,991,750 1,742,484 1,708,612 1,678,232
22,479,082 22,661,841 22,708,688 24,346,749 22,229,799
514,546 379,699 378,006 569,947 1,120,931

0 10,650 129,680 185,308 131,636
513,412 574,471 582,490 632,650 649,015
1,006,485 981,428 1,010,770 1,144,470 1,075,744
156,442 94,345 96,318 115,114 45,670
7,368,197 7,599,545 7,430,582 7,204,554 9,823,248
8,134,793 8,136,353 8,125,701 9,440,557 4,864,985
0 0 0 0 0
17,693,875 17,776,490 17,753,547 19,292,600 17,711,230
630,000 630,000 630,000 630,000 630,000

4,155,206 4,255,351 4,325,140 4,424,149 3,888,569
4,785,206 4,885,351 4,955,140 5,054,149 4,518,569
22,479,082 22,661,841 22,708,688 24,346,749 22,229,799
67,766 69,988 69,787 70,632 72,355

(26,133) (27,182) (27,216) (27,957) (28,705)
41,633 42,806 42,571 42,674 43,650
755,314 769,048 787,767 821,201 841,996

(416,345) (424,721) (433,083) (440,968) (448,659)
338,969 344,328 354,684 380,233 393,338
12
YTD 2013
1,353,623 1,349,663 1,334,516 1,341,888 1,341,507
16,470,339 16,318,161 16,196,504 16,518,335 16,489,029

855,338 844,774 830,653 822,946 809,869
1,955,661 2,017,502 2,099,537 2,199,351 2,295,903
1,303,933 1,318,529 1,316,892 1,324,509 1,333,965
39,135 44,948 54,452 66,146 79,535
76,263 95,234 114,884 140,434 163,583
20,700,670 20,639,146 20,612,922 21,071,720 21,171,884
6.5% 6.5% 6.5% 6.4% 6.3%
26,133 27,182 27,216 27,957 28,705
57,186 57,658 56,039 55,087 55,679

4,699 4,111 4,066 3,675 3,824
3,561 3,740 3,776 4,207 4,433
2,253 4,362 5,678 7,468 8,049
0 0 0 0 0
67 117 228 193 371
67,766 69,988 69,787 70,632 72,355
38.6% 38.8% 39.0% 39.6% 39.7%
6.6% 6.6% 6.6% 6.5% 6.4%
12
YTD 2013
378,413 26,885 24,410 28,708 25,464
601,611 50,063 48,815 48,707 49,773
(168,009) (12,761) (12,923) (12,579) (12,206)
812,015 64,188 60,303 64,836 63,031
20,700,670 20,639,146 20,612,922 21,071,720 21,171,884
67,766 69,988 69,787 70,632 72,355
19,933,806 20,061,422 20,182,552 20,358,301 20,501,647

1.9% 1.6% 1.5% 1.7% 1.5%
3.0% 3.0% 2.9% 2.9% 2.9%
-0.8% -0.8% -0.8% -0.7% -0.7%
4.07% 3.84% 3.59% 3.82% 3.69%
2.57% 2.81% 3.00% 2.66% 2.76%

1,119,734 1,117,501 1,103,044 1,105,562 1,104,700
6.64% 6.65% 6.58% 6.48% 6.45%
5.39% 5.40% 5.33% 5.23% 5.20%
1.25% 1.25% 1.25% 1.25% 1.25%
12
YTD 2013
21,685,560 21,623,221 21,536,138 21,524,351 21,698,382

993,638 977,350 960,366 944,349 928,671
1,955,661 2,017,502 2,099,537 2,199,351 2,295,903
1,303,933 1,318,529 1,316,892 1,324,509 1,333,965
40,520 48,085 58,429 70,907 85,398
76,263 95,234 114,884 140,434 163,583
26,055,575 26,079,921 26,086,246 26,203,901 26,505,901
May-14 Jun-14 Jul-14 Aug-14 Sep-14
269,185 281,350 305,062 281,486 272,516
417,759 434,621 468,329 417,229 424,855
123,609 132,926 148,999 139,221 127,671

6,650 6,851 7,517 7,391 6,825
60,359 70,616 66,464 57,015 59,905
72,510 80,359 78,513 74,155 68,050
158 122 122 126 92
444 598 538 413 483
263,730 291,472 302,153 278,321 263,026
45.9% 47.2% 48.8% 49.5% 46.8%
29.6% 30.6% 31.8% 33.4% 30.1%
1,543,047 1,666,698 1,919,421 1,806,131 1,601,824

61,419 63,504 70,061 68,372 63,424
363,505 424,106 393,622 341,821 359,685
243,715 271,110 271,808 255,035 232,219
25,698 14,995 16,263 16,080 13,965
31,366 40,680 36,174 27,696 32,917
2,268,749 2,481,093 2,707,348 2,515,134 2,304,034
29.4% 29.1% 29.3% 29.2% 29.0%

33.5% 33.4% 33.2% 33.3% 33.1%
41.1% 41.1% 41.1% 41.2% 41.2%
55.7% 55.3% 54.30% 54.73% 54.6%
13.7% 14.1% 14.2% 14.3% 14.2%
18.1% 18.6% 18.9% 19.2% 19.3%
33.87% 33.84% 33.36% 33.34% 33.38%
9.6% 9.5% 9.6% 9.8% 9.8%
24.3% 24.4% 23.8% 23.6% 23.6%
48,483 48,168 51,575 51,383 51,361
3,927,136 3,982,652 4,066,000 4,112,771 4,147,036
26,921,328 27,596,077 28,631,814 29,156,816 29,551,956

1,152,204 1,292,988 1,616,671 1,211,822 1,323,491
338,114 275,197 451,014 360,960 286,448
177,681 188,787 213,654 218,910 192,955
193,834 192,039 205,758 216,939 221,705
4.28% 4.69% 5.65% 4.16% 4.48%
1.26% 1.00% 1.58% 1.24% 0.97%
0.66% 0.68% 0.75% 0.75% 0.65%
0.72% 0.70% 0.72% 0.74% 0.75%
5,298 5,263 5,253 5,237 6,239

7,169 7,132 5,698 9,087 9,047
7,204 7,142 5,714 8,085 9,052
5,263 5,253 5,237 6,239 6,234
15,724,240 16,923,259 17,039,834 17,861,904 18,727,893

2,399,973 2,400,717 2,282,390 2,435,250 2,536,060
4,610,150 4,629,577 4,790,605 4,896,580 4,736,167
22,734,363 23,953,552 24,112,829 25,193,734 26,000,121
110,470 113,111 111,597 118,627 122,775
10.15% 10.19% 10.30% 10.21% 10.31%

2.97% 3.06% 3.25% 3.14% 3.09%
4.61% 4.59% 4.50% 4.42% 4.42%
2.57% 2.54% 2.55% 2.66% 2.80%
247 250 255 258 260
37.1% 38.0% 40.4% 36.5% 37.0%
18.9% 18.3% 17.0% 18.6% 18.8%
3.4 3.7 3.6 3.6 4.0
4.5 4.8 4.6 4.7 5.0
28.8% 29.3% 28.0% 29.1% 31.1%
5.8% 5.7% 5.6% 5.7% 5.7%
4,733 4,846 4,781 5,082 5,260
15,884 15,904 15,945 15,954 15,932

11,611 11,969 11,591 11,717 12,212
172 173 173 175 175
394 395 395 398 403
739,521 764,746 804,059 799,883 831,020

(56,228) (52,546) (53,077) (52,421) (53,618)
(189,916) (194,426) (199,569) (207,056) (220,416)
493,377 517,774 551,413 540,406 556,986
89,905 99,011 105,182 97,765 94,545
583,281 616,785 656,594 638,171 651,531
118,645 130,883 134,243 147,462 146,983
464,637 485,903 522,351 490,709 504,548
175,562 175,970 176,148 178,714 184,573

72,560 75,553 81,097 79,206 78,838
216,515 234,380 265,106 232,789 241,137
17,764 17,814 14,183 16,008 17,145

(75,253) (87,491) (119,439) (69,108) (71,627)
(28,260) (28,283) (21,271) (35,374) (35,540)
15,475 13,132 10,065 13,387 12,717
(70,275) (84,828) (116,462) (75,086) (77,305)
146,240 149,552 148,644 157,702 163,832
35,870 42,274 30,461 30,268 30,090

(99) (5,833) 6,586 8,807 10,967
35,770 36,441 37,047 39,075 41,057
110,470 113,111 111,597 118,627 122,775
3,920,757 4,031,226 4,144,337 4,255,935 4,374,562
0 0 0 0 316,000
0 0 0 0 0
4,031,226 4,144,337 4,255,935 4,374,562 4,181,337
35,302 35,664 39,433 41,494 41,846

0 0 0 0 0
35,440 33,864 34,017 35,440 33,864
603 552 576 584 569
32,016 47,320 43,160 49,778 50,127
2,083 271 2,012 4,538 4,649
13,201 13,211 15,046 15,628 15,928
118,645 130,883 134,243 147,462 146,983
11,866 12,446 11,430 12,026 12,209

0 0 0 0 0
5,898 5,368 2,753 3,982 4,936
0 0 0 0 0
17,764 17,814 14,183 16,008 17,145
12,896 12,621 9,652 12,821 12,222

18 (0) 0 16 4
0 0 0 0 0
2,560 511 412 550 491
15,475 13,132 10,065 13,387 12,717
105,599 106,157 105,857 104,307 105,213
2,242 2,242 2,242 2,242 2,242
559 558 597 555 581
1,728 1,270 1,754 1,564 2,090
2,273 2,705 1,798 2,684 2,603
312 296 250 203 256
112,712 113,228 112,497 111,554 112,985
63,147 66,117 70,144 66,748 68,240
1,503 1,799 2,223 1,649 1,772
7,910 7,638 8,730 10,809 8,827
72,560 75,553 81,097 79,206 78,838
13,052 13,641 12,655 14,119 13,015
7,811 8,020 8,865 8,979 9,512
7,625 6,106 6,985 7,699 9,036
7,530 8,348 7,532 8,007 7,841
4,841 4,217 5,002 4,603 5,034
13,817 14,412 15,163 15,509 18,647
766 853 891 792 861
290 318 307 542 459
4,097 3,545 2,818 3,658 4,038
278 339 690 529 420
2,429 2,406 2,312 2,447 2,266
312 489 430 266 420
3 48 2 9 38
62,850 62,742 63,650 67,160 71,588
248,122 251,523 257,245 257,920 263,411
742,827 995,049 426,479 775,800 1,170,067
34,188,133 35,181,266 36,600,896 37,384,819 37,931,184

(5,814,182) (5,674,027) (5,471,157) (5,642,864) (5,604,952)
(6,674,260) (7,006,268) (7,419,618) (7,651,472) (7,803,491)
(1,368,277) (1,407,600) (1,475,464) (1,493,189) (1,513,455)
20,331,414 21,093,372 22,234,657 22,597,295 23,009,286
37,672 46,881 50,155 44,311 50,511
712,806 869,662 472,095 518,658 869,883
0 0 0 0 0
193,874 190,490 169,120 487,097 135,264
265,971 303,032 279,969 275,379 253,475
405,841 409,197 434,559 441,989 457,087
43,960 45,870 45,796 53,205 54,548
0 0 0 0 0
1,660,123 1,865,131 1,451,694 1,820,640 1,820,767
22,734,363 23,953,552 24,112,829 25,193,734 26,000,121
531,352 464,058 414,492 501,727 771,210

119,916 91,988 171,430 130,596 45,687
633,897 650,153 653,931 684,514 703,076
1,055,444 1,120,993 968,039 1,040,565 936,005
59,364 73,524 74,498 77,848 80,082
10,858,730 12,057,216 12,173,226 12,994,722 13,860,162
4,865,510 4,866,042 4,866,608 4,867,182 4,867,731
0 0 0 0 0
18,124,213 19,323,975 19,322,224 20,297,154 21,263,953
630,000 630,000 630,000 630,000 630,000

3,980,150 3,999,577 4,160,605 4,266,580 4,106,167
4,610,150 4,629,577 4,790,605 4,896,580 4,736,167
22,734,363 23,953,552 24,112,829 25,193,734 26,000,121
73,543 76,589 76,066 88,110 90,584

(29,583) (30,719) (30,270) (34,905) (36,037)
43,960 45,870 45,796 53,205 54,548
862,122 873,369 907,404 923,670 948,204

(456,281) (464,172) (472,845) (481,680) (491,116)
405,841 409,197 434,559 441,989 457,087
1,368,277 1,407,600 1,475,464 1,493,189 1,513,455
16,818,449 17,331,243 18,247,564 18,529,688 18,862,557

811,958 817,639 834,442 839,622 839,048
2,428,055 2,615,713 2,796,153 2,846,949 2,921,875
1,362,490 1,418,228 1,477,390 1,498,538 1,499,458
90,538 98,637 107,818 113,501 116,807
188,201 219,512 246,754 262,186 282,996
21,699,691 22,500,972 23,710,121 24,090,484 24,522,741
6.3% 6.3% 6.2% 6.2% 6.2%
29,583 30,719 30,270 34,905 36,037
55,180 56,738 56,660 65,575 66,046

3,390 2,676 3,239 3,074 2,913
4,783 5,315 5,340 6,528 6,834
9,818 10,443 9,540 10,859 12,034
0 110 0 124 243
371 1,307 1,286 1,950 2,514
73,543 76,589 76,066 88,110 90,584
40.2% 40.1% 39.8% 39.6% 39.8%
6.4% 6.4% 6.3% 6.3% 6.3%

27,382 27,147 21,720 30,738 34,409
48,483 48,168 51,575 51,383 51,361
(12,896) (12,621) (9,652) (12,821) (12,222)
62,969 62,694 63,643 69,300 73,548
21,699,691 22,500,972 23,710,121 24,090,484 24,522,741
73,543 76,589 76,066 88,110 90,584
20,650,701 20,819,706 21,062,731 21,373,534 21,708,342

1.6% 1.6% 1.2% 1.7% 1.9%
2.8% 2.8% 2.9% 2.9% 2.8%
-0.7% -0.7% -0.5% -0.7% -0.7%
3.66% 3.61% 3.63% 3.89% 4.07%
2.76% 2.76% 2.70% 2.43% 2.23%

1,125,676 1,155,971 1,208,338 1,225,855 1,241,654
6.42% 6.37% 6.33% 6.32% 6.30%
5.17% 5.12% 5.08% 5.07% 5.04%
1.25% 1.25% 1.25% 1.25% 1.25%
21,921,095 22,313,342 23,060,440 23,491,063 23,786,860

924,151 922,622 934,104 934,169 932,072
2,428,055 2,615,713 2,796,153 2,846,949 2,921,875
1,362,490 1,418,228 1,477,390 1,498,538 1,499,458
97,304 106,561 116,743 123,506 128,207
188,233 219,611 246,985 262,591 283,485
26,921,328 27,596,077 28,631,814 29,156,816 29,551,956
12
YTD 2014
Oct-14 Nov-14 Dec-14 Dec-14
268,847 255,971 284,080 3,135,291
411,401 389,227 431,970 4,841,961
128,625 122,376 134,441 1,462,234

7,142 6,130 5,876 77,777
61,510 61,061 67,201 698,546
67,539 67,251 74,690 841,351
94 125 139 1,460
461 454 508 5,370
265,371 257,397 282,855 3,086,738
47.8% 47.8% 47.3% 46.6%
31.3% 31.4% 31.1% 30.2%
1,621,680 1,575,206 1,743,046 18,419,408

66,410 57,763 56,816 721,072
368,646 367,791 403,301 4,181,718
229,994 228,518 254,529 2,847,655
11,755 19,089 20,256 202,160
29,759 28,914 33,357 363,513
2,328,244 2,277,282 2,511,305 26,735,526
29.1% 29.0% 29.0% 29.3%

32.7% 33.0% 33.4% 33.2%
41.2% 41.1% 41.1% 41.1%
55.6% 56.2% 56.3% 55.4%
14.9% 14.8% 13.9% 14.4%
19.2% 19.5% 18.8% 18.5%
33.54% 33.55% 33.55% 33.75%
9.7% 9.7% 9.6% 9.8%
23.8% 23.8% 23.9% 23.9%
51,343 51,268 53,060 604,001
12
YTD 2014
4,185,336 4,222,026 4,270,599 4,270,599
29,912,566 30,235,837 30,604,429 30,604,429

1,204,974 1,345,195 1,303,573 1,303,573
362,808 302,506 384,161 384,161
196,156 211,031 203,826 203,826
223,564 213,225 228,662 228,662
4.03% 4.45% 4.26% 4.26%
1.21% 1.00% 1.26% 1.26%
0.66% 0.70% 0.67% 0.67%
0.75% 0.71% 0.75% 0.75%
6,234 6,184 6,034 5,404

9,650 9,138 9,845 93,870
9,700 9,288 10,586 93,981
6,184 6,034 5,293 5,293
18,582,982 18,662,432 19,428,605 19,428,605

2,069,986 2,061,922 1,841,285 1,841,285
4,856,081 4,947,666 5,046,611 5,046,611
25,509,050 25,672,020 26,316,501 26,316,501
122,829 118,822 120,414 1,352,416
10.20% 10.25% 10.61% 9.62%

3.07% 3.01% 3.27% 2.80%
4.36% 4.45% 4.48% 4.29%
2.76% 2.79% 2.86% 2.53%
262 263 266 266
35.3% 35.3% 36.9% 35.7%
18.4% 18.6% 17.7% 18.5%
3.8 3.8 3.8 3.8
4.9 4.8 4.9 4.9
30.4% 28.8% 28.6% 26.8%
5.8% 5.6% 5.5% 5.1%
5,262 5,091 5,159 4,828
15,956 16,049 16,046 16,046

12,082 12,196 12,440 12,440
176 176 176 176
406 409 409 409
12
YTD 2014
865,666 844,858 892,256 9,300,401

(58,699) (55,058) (59,216) (663,086)
(227,084) (233,594) (238,671) (2,354,700)
579,884 556,206 594,369 6,282,615
87,909 81,490 85,936 1,015,505
667,793 637,696 680,305 7,298,120
168,279 144,003 145,250 1,633,475
499,514 493,693 535,055 5,664,645
184,133 189,416 197,043 2,172,960

79,487 78,858 86,723 889,037
235,893 225,419 251,290 2,602,648
15,136 16,262 16,081 211,512

(65,885) (55,456) (75,495) (804,997)
(36,436) (36,703) (38,999) (368,903)
15,482 10,846 10,328 157,034
(71,703) (65,050) (88,085) (805,354)
164,190 160,368 163,205 1,797,294
28,801 25,244 42,898 374,991

12,560 16,302 (106) 69,887
41,361 41,546 42,792 444,878
122,829 118,822 120,414 1,352,416
4,181,337 4,305,075 4,422,856 4,149,457
0 0 0 958,935
(909) 1,041 0 (332)
4,305,075 4,422,856 4,543,270 4,543,270
12
YTD 2014
39,803 40,678 43,378 407,883

0 0 0 0
34,728 34,296 35,008 502,986
591 580 671 9,775
73,657 52,244 46,379 525,418
3,560 90 1,778 19,211
15,939 16,114 18,036 168,202
168,279 144,003 145,250 1,633,475
12,509 12,663 12,950 142,200

0 0 0 0
2,626 3,599 3,131 69,312
0 0 0 0
15,136 16,262 16,081 211,512
13,369 10,526 9,879 144,454

13 0 (1) 92
1 0 0 4
2,098 320 450 12,484
15,482 10,846 10,328 157,034
12
YTD 2014
99,643 92,000 97,282 1,244,181
3,306 10,488 10,488 42,679
576 647 599 6,977
5,086 8,878 6,887 38,018
3,803 4,116 3,088 29,477
286 258 272 3,294
112,699 116,387 118,616 1,364,626
63,712 63,354 71,475 747,697
1,769 1,643 1,849 19,495
14,006 13,862 13,399 121,845
79,487 78,858 86,723 889,037
14,694 14,517 14,444 165,290
9,397 9,369 9,798 104,225
6,941 9,703 10,132 94,098
8,257 9,003 9,847 91,693
7,224 4,661 5,669 61,027
15,513 16,357 17,919 191,301
816 903 948 9,448
476 467 475 5,177
4,455 4,277 4,372 45,794
409 426 680 5,533
2,540 2,563 2,688 27,475
620 741 1,435 6,984
92 41 19 290
71,434 73,029 78,427 808,334
263,621 268,274 283,765 3,061,997
12
YTD 2014
583,909 592,498 552,975 552,975
38,399,142 38,852,113 39,395,258 39,395,258

(5,680,728) (5,830,881) (5,718,383) (5,718,383)
(7,911,528) (8,043,678) (8,241,231) (8,241,231)
(1,527,996) (1,532,183) (1,553,619) (1,553,619)
23,278,891 23,445,370 23,882,026 23,882,026
47,991 45,499 60,136 60,136
730,395 737,818 927,044 927,044
0 86 0 0
121,135 119,312 125,715 125,715
241,886 234,663 241,926 241,926
450,824 443,351 476,966 476,966
54,019 53,424 49,714 49,714
0 0 0 0
1,646,250 1,634,152 1,881,500 1,881,500
25,509,050 25,672,020 26,316,501 26,316,501
458,355 528,218 572,467 572,467

45,028 32,330 14,636 14,636
673,596 640,423 551,193 551,193
824,689 790,264 592,046 592,046
68,318 70,688 110,944 110,944
13,714,670 13,793,549 14,559,201 14,559,201
4,868,312 4,868,882 4,869,403 4,869,403
0 0 0 0
20,652,968 20,724,354 21,269,890 21,269,890
630,000 630,000 630,000 630,000

4,226,081 4,317,666 4,416,611 4,416,611
4,856,081 4,947,666 5,046,611 5,046,611
25,509,049 25,672,020 26,316,501 26,316,501
89,579 88,960 82,391 82,391

(35,560) (35,537) (32,677) (32,677)
54,019 53,424 49,714 49,714
951,140 952,989 996,393 996,393

(500,315) (509,639) (519,427) (519,427)
450,824 443,351 476,966 476,966
12
YTD 2014
1,527,996 1,532,183 1,553,619 1,553,619
19,051,407 19,128,557 19,458,874 19,458,874

846,152 846,633 846,413 846,413
2,993,727 3,064,557 3,152,718 3,152,718
1,494,858 1,493,676 1,505,266 1,505,266
120,404 127,864 137,696 137,696
300,338 316,267 334,678 334,678
24,806,886 24,977,553 25,435,645 25,435,645
6.2% 6.1% 6.1% 6.1%
35,560 35,537 32,677 32,677
65,367 63,682 57,762 57,762

2,533 2,359 3,429 3,429
7,117 7,212 6,466 6,466
11,827 12,749 11,237 11,237
243 558 688 688
2,493 2,400 2,809 2,809
89,579 88,960 82,391 82,391
39.7% 39.9% 39.7% 39.7%
6.3% 6.3% 6.2% 6.2%
12
YTD 2014
36,912 36,726 41,858 362,359
51,343 51,268 53,060 604,001
(13,369) (10,526) (9,879) (144,454)
74,886 77,469 85,040 821,906
24,806,886 24,977,553 25,435,645 25,435,645
89,579 88,960 82,391 82,391
22,064,829 22,442,910 22,842,830 22,842,830

2.0% 2.0% 2.2% 1.6%
2.8% 2.7% 2.8% 2.6%
-0.7% -0.6% -0.5% -0.6%
4.07% 4.14% 4.47% 3.60%
2.21% 2.11% 1.75% 2.62%

1,252,292 1,253,326 1,267,226 1,267,226
6.28% 6.25% 6.22% 6.22%
5.03% 5.00% 4.97% 4.97%
1.25% 1.25% 1.25% 1.25%
12
YTD 2014
24,055,823 24,288,853 24,535,153 24,535,153

933,650 928,574 921,252 921,252
2,993,727 3,064,557 3,152,718 3,152,718
1,494,858 1,493,676 1,505,266 1,505,266
133,642 143,279 154,674 154,674
300,866 316,899 335,366 335,366
29,912,566 30,235,837 30,604,429 30,604,429
12 12 12
YTD YTD Projection Full Year
Dec-13 Based on Q3-2014 MB 2014
2,844,103 3,043,711 2,838,200
4,652,958 4,900,000 4,600,000
1,313,949 1,426,986 1,348,145

79,211 77,271 84,000
442,713 652,784 500,000
774,395 844,283 916,667
493 1,390 1,202
1,198 5,248 4,860
2,611,959 3,007,962 2,854,873
46.2% 46.9% 47.5%
28.2% 29.1% 29.3%
15,509,308 17,870,767 16,177,740

698,879 707,693 739,200
2,593,147 3,864,376 2,750,000
2,450,051 2,854,608 2,750,000
65,876 189,238 144,228
102,064 357,906 357,190
21,419,325 25,844,588 22,918,359
28.3% 29.1% 29.0%

32.7% 33.0% 32.0%
40.7% 40.8% 36.0%
55.7% 55.2% 53.0%
14.6% 14.4% 13.8%
14.4% 18.0% 16.0%
32.99% 33.6% 32.28%
9.5% 9.9% 11.1%
23.5% 23.7% 21.2%
601,611 611,789 694,793
12 12 12
3,864,701
26,055,575 29,997,092 26,787,281

1,236,168
364,778
186,639
192,470
4.74%
1.40%
0.72%
0.74%
8,762
94,880
98,238
5,404
15,502,990 18,584,578 14,891,531

2,190,885 2,069,986 1,999,199
4,785,206 5,093,089 5,059,745
22,479,082 25,747,653 21,950,475
1,250,818 1,350,188 1,225,221
10.03% 9.94% 10.14%

2.72% 2.84% 2.71%
4.65% 4.41% 4.73%
2.66% 2.69% 2.71%
245
36.1% 35.4% 34.7%
20.2% 18.6% 17.4%
3.2 3.6 2.9
4.4 4.6 4.2
26.1% 26.5% 24.2%
5.6% 5.2% 5.6%
4,466 4,820 4,376
15,781
12,189 12,300 11,500
164
391
12 12 12
7,368,648 9,200,296 8,115,677

(640,150) (650,375) (692,196)
(1,290,151) (2,310,334) (1,250,728)
5,438,346 6,239,587 6,172,753
749,719 1,012,277 851,081
6,188,066 7,251,864 7,023,834
1,325,168 1,603,491 1,515,603
4,862,898 5,648,373 5,508,230
1,921,454 2,200,410 2,249,124

708,460 879,480 818,507
December-99
2,232,984 2,568,484 2,440,599
225,322 210,112 183,158

(599,824) (783,532) (717,026)
(364,583) (366,036) (440,471)
175,192 160,703 167,369
(563,894) (778,753) (806,971)
December-99
1,669,090 1,789,731 1,633,628
December-99
503,648 397,399 498,041

(85,376) 42,144 (89,634)
418,272 439,543 408,407
1,250,818 1,350,188 1,225,221
3,858,217 4,149,457 4,149,134
974,769 958,935 854,075

(15,191) (1,373) 0
4,149,457 4,542,083 4,520,280
12 12 12
249,097 394,896 403,932

0 0 0
656,763 503,336 482,245
13,968 9,691 8,830
279,491 525,109 485,232
10,838 17,343 14,434
115,011 153,116 120,931
1,325,168 1,603,491 1,515,603
162,277 142,470 182,989

1,096 0 0
61,949 67,642 169
0 0 0
225,322 210,112 183,158
168,009 148,893 167,369

(92) 93 0
6 3 0
7,268 11,713 0
175,192 160,703 167,369
12 12 12
Dec-13 YTD Projection MB 2014
1,133,393 1,271,777 1,317,749
27,704 28,083 36,016
7,071 7,357 8,464
20,430 26,397 24,430
28,721 29,721 38,541
4,482 3,770 4,992
1,221,801 1,367,104 1,430,192
596,299 745,258 766,449
15,099 19,625 (0)
97,062 114,597 52,058
708,460 879,480 818,507
163,498 179,910 187,926
88,397 99,473 108,747
91,481 104,512 109,160
61,962 86,739 80,773
50,302 65,585 65,636
149,619 193,419 164,535
10,315 11,690 4,550
5,613 6,664 5,981
40,068 44,681 45,598
4,890 6,389 7,661
23,110 27,381 31,691
10,167 6,523 6,311
230 339 362
699,653 833,305 818,933
2,629,914 3,079,889 3,067,632
12 12 12
905,525 584,904 850,120
32,900,737 38,603,128 33,862,756

(5,918,448) (5,568,070) (7,193,438)
(6,281,619) (8,019,317) (6,409,288)
(1,353,623) (1,525,366) (1,361,594)
19,347,047 23,490,376 18,898,436
27,053 47,991 50,663
1,362,426 730,395 925,627
0 0 0
188,641 121,135 154,564
267,787 253,433 360,294
338,969 464,378 654,123
41,633 55,041 56,647
0 0 0
2,226,509 1,672,373 2,201,919
22,479,082 25,747,653 21,950,475
December-99
December-99
December-99
514,546 458,355 379,594
0 45,028 9,754
513,412 673,596 498,287
1,006,485 824,689 1,004,526
156,442 68,318 107,038
7,368,197 13,715,098 10,072,996
8,134,793 4,869,479 4,818,535
0 0 0
17,693,875 20,654,564 16,890,731
630,000 630,000 630,000

4,155,206 4,463,089 4,429,745
4,785,206 5,093,089 5,059,745
22,479,082 25,747,653 21,950,475
67,766 91,270 89,514

(26,133) (36,229) (32,867)
41,633 55,041 56,647
755,314 979,108 1,180,017

(416,345) (514,730) (525,894)
338,969 464,378 654,123
12 12 12
1,353,623 1,525,366 1,361,594
16,470,339 19,370,460 15,268,889

855,338 818,466 762,351
1,955,661 2,847,274 2,210,172
1,303,933 1,516,152 1,541,947
39,135 139,707 476,671
76,263 323,681
20,700,670 25,015,742 20,260,030
6.5% 6.1% 6.7%
26,133 36,229 32,867
57,186 67,921 68,478

4,699 1,669 15,233
3,561 7,117 3,637
2,253 11,827 2,166
0 243 0
67 2,493 0
67,766 91,270 89,514
38.6% 39.7% 36.7%
6.6% 6.2% 6.9%
12 12 12
378,413 355,941 440,926
601,611 611,789 694,793
(168,009) (148,893) (167,369)
812,015 818,837 968,351
20,700,670 25,015,742 20,260,030
67,766 91,270 89,514
19,933,806 22,803,791 19,755,949

1.9% 1.6% 2.2%
3.0% 2.7% 3.5%
-0.8% -0.7% -0.8%
4.07% 3.59% 4.90%
2.57% 2.63% 1.95%

1,119,734 1,247,818 1,140,169
6.64% 6.22% 6.85%
5.39% 4.97% 5.60%
1.25% 1.25% 1.25%
12 12 12
21,685,560 24,250,546 21,660,929

993,638 905,965 896,314
1,955,661 2,847,274 2,210,172
1,303,933 1,516,152 1,541,947
40,520 152,945 477,920
76,263 324,209
26,055,575 29,997,092 26,787,281
12
Full Year
Based on Q3-2014
3,043,711
4,900,000
1,426,986
77,271
652,784
844,283
1,390
5,248
3,007,962
46.9%
29.1%
17,870,767 69%
707,693 3%
3,864,376 16%
2,854,608 11%
189,238 1%
357,906 1%
25,844,588 28,851,029,604,401.40 93%
29.1%
33.0%
40.8%
55.2%
14.4%
18.0%
33.6%
9.9%
23.7%
611,789
12
Full Year
Based on Q3-2014
29,997,092
18,584,578
2,069,986
5,093,089
25,747,653
1,350,188
9.94%
2.84%
4.41%
2.69%
35.4%
18.6%
3.6
4.6
26.5%
5.2%
4,820
12,300
12
Full Year
Based on Q3-2014
9,200,296
(650,375)
(2,310,334)
6,239,587
1,012,277
7,251,864
1,603,491
5,648,373
2,200,410
879,480
2,568,484
210,112
(783,532)
(366,036)
160,703
(778,753)
1,789,731
397,399
42,144
439,543
1,350,188
4,149,457
958,935
(1,373)
4,542,083
12
Full Year
Based on Q3-2014
394,896
0
503,336
9,691
525,109
17,343
153,116
1,603,491
142,470
0
67,642
0
210,112
148,893
93
3
11,713
160,703
12
Full Year
Based on Q3-2014
1,271,777
28,083
7,357
26,397
29,721
3,770
1,367,104
745,258
19,625
114,597
879,480
179,910
99,473
104,512
86,739
65,585
193,419
11,690
6,664
44,681
6,389
27,381
6,523
339
833,305
3,079,889
12
Full Year
Based on Q3-2014
584,904
38,603,128
(5,568,070)
(8,019,317)
(1,525,366)
23,490,376
47,991
730,395
0
121,135
253,433
464,378
55,041
0
1,672,373
25,747,653
458,355
45,028
673,596
824,689
68,318
13,715,098
4,869,479
0
20,654,564
630,000
4,463,089
5,093,089
25,747,653
91,270
(36,229)
55,041
979,108
(514,730)
464,378
12
Full Year
Based on Q3-2014
1,525,366
19,370,460
818,466
2,847,274
1,516,152
139,707
323,681
25,015,742
6.1%
36,229
67,921
1,669
7,117
11,827
243
2,493
91,270
39.7%
6.2%
12
Full Year
Based on Q3-2014
355,941
611,789
(148,893)
818,837
25,015,742
91,270
22,803,791
1.6%
2.7%
-0.7%
3.59%
2.6%
1,247,818
6.22%
4.97%
1.25%
12
Full Year
Based on Q3-2014
24,250,546
905,965
2,847,274
1,516,152
152,945
324,209
29,997,092
CLA COMPANY 2016
100.00% Target CLA Target CLA (MTD)

No. Item Unit
Weight 2015 Jan Feb Mar Apr May Jun Jul Aug Sept Oct Nov
Trading Profit
1 NPAT IDR Bio 60.00% 1,580.47 106.86 111.80 113.84 114.62 121.69 124.68 125.26 139.91 145.67 146.20 150.55
Time service ratio ≤ 6
2 % 10.00% 70.00% 70.00% 70.00% 70.00% 70.00% 70.00% 70.00% 70.00% 70.00% 70.00% 70.00% 70.00%
hours
3 Stock aging > 90 days % 10.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00%
% RO from total
4 Repeat Order unit 10.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00%
5 Talent turn over % 10.00% 8.00% 8.00% 8.00% 8.00% 8.00% 8.00% 8.00% 8.00% 8.00% 8.00% 8.00% 8.00%
CLA Company 100.0%
Target OL 3
Target OL1 (MTD) Target OL 2 (MTD)
(MTD)
Dec May Jun Jul Aug Sept Oct Nov Dec Aug Sept Oct Nov Dec Nov Dec Jan Feb Mar
179.40 106.86 218.66 332.49
70.00% 70.00% 70.00% 70.00% 70.00% 70.00% 70.00% 70.00% 70.00% 70.00% 70.00% 70.00% 70.00% 70.00% 70.00% 70.00% 70.00% 70.00% 70.00%
1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00%
30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00%
8.00% 8.00% 8.00% 8.00% 8.00% 8.00% 8.00% 8.00% 8.00% 8.00% 8.00% 8.00% 8.00% 8.00% 8.00% 8.00% 8.00% 8.00% 8.00%
1.142857
Target CLA (YTD) Actual MTD
Apr May Jun Jul Aug Sept Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug
447.11 568.80 693.48 818.74 958.65 1,104.31 1,250.51 1,401.06 1,580.47 139.75 138.08 140.09 142.59 139.55 139.94 135.84 138.42
70.00% 70.00% 70.00% 70.00% 70.00% 70.00% 70.00% 70.00% 70.00% 95.59% 96.00% 95.01% 94.88% 94.88% 94.88% 94.88% 94.88%
1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 44.84% 46.82% 47.18% 46.63% 46.63% 46.63% 46.63% 46.63%
8.00% 8.00% 8.00% 8.00% 8.00% 8.00% 8.00% 8.00% 8.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Actual YTD Projection
Sept Oct Nov Dec* Jan Feb Mar Apr May Jun Jul Aug Sept Oct Nov Dec* OL II
139.44 139.32 136.61 136.28 139.75 277.82 417.91 560.50 700.05 839.98 975.82 1,114.24 1,253.68 1,393.00 1,529.61 1,665.89 1,750.00
94.88% 94.88% 94.88% 94.88% 95.59% 96.00% 95.01% 95.37% 95.37% 95.37% 95.37% 95.37% 95.37% 95.37% 95.37% 95.37% 95.37%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
46.63% 46.63% 46.63% 46.63% 44.84% 45.77% 46.26% 46.36% 46.36% 46.36% 46.36% 46.36% 46.36% 46.36% 46.36% 46.36% 46.36%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Projection Achievement YTD Projection
OL Opr OL III Jan Feb Mar Apr May Jun Jul Aug Sept Oct Nov Dec* OL II OL Opr OL III
1,750.00 1,750.00 130.77% 127.06% 125.69% 125.36% 123.07% 121.13% 119.19% 116.23% 113.53% 111.39% 109.18% 105.41% 110.73% 110.73% 110.73%
95.37% 95.37% 125.00% 125.00% 125.00% 125.00% 125.00% 125.00% 125.00% 125.00% 125.00% 125.00% 125.00% 125.00% 125.00% 125.00% 125.00%
0.00% 0.00% 125.00% 125.00% 125.00% 125.00% 125.00% 125.00% 125.00% 125.00% 125.00% 125.00% 125.00% 125.00% 125.00% 125.00% 125.00%
46.36% 46.36% 125.00% 125.00% 125.00% 125.00% 125.00% 125.00% 125.00% 125.00% 125.00% 125.00% 125.00% 125.00% 125.00% 125.00% 125.00%
0.00% 0.00% 125.00% 125.00% 125.00% 125.00% 125.00% 125.00% 125.00% 125.00% 125.00% 125.00% 125.00% 125.00% 125.00% 125.00% 125.00%
CLA Points YTD Projection
Jan Feb Mar Apr May Jun Jul Aug Sept Oct Nov Dec* OL II OL Opr
78.46% 76.23% 75.41% 75.22% 73.84% 72.68% 71.51% 69.74% 68.12% 66.84% 65.51% 63.24% 66.44% 66.44%
12.50% 12.50% 12.50% 12.50% 12.50% 12.50% 12.50% 12.50% 12.50% 12.50% 12.50% 12.50% 12.50% 12.50%
12.50% 12.50% 12.50% 12.50% 12.50% 12.50% 12.50% 12.50% 12.50% 12.50% 12.50% 12.50% 12.50% 12.50%
12.50% 12.50% 12.50% 12.50% 12.50% 12.50% 12.50% 12.50% 12.50% 12.50% 12.50% 12.50% 12.50% 12.50%
12.50% 12.50% 12.50% 12.50% 12.50% 12.50% 12.50% 12.50% 12.50% 12.50% 12.50% 12.50% 12.50% 12.50%
128.46% 126.23% 125.41% 125.22% 123.84% 122.68% 121.51% 119.74% 118.12% 116.84% 115.51% 113.24% 116.44% 116.44%
CLA COMPANY 2016
Ytd Month CLA-Lama KPI BOD-Lama CLA-Baru

January 121.64% 118.34% 128.46%
February 120.82% 115.92% 126.23%
March 120.36% 114.91% 125.41%
April 120.35% 114.86% 125.22%
May
June
July
August
September
October
November
December
Projection December 119.35% 112.73% 116.44%
116.04%
New Propose KPI BOD CRM
Target
#REF! Target MB (MTD
CLA
No Item Unit
(Full year
Weight Jan Feb Mar Apr May
– OL1)
Financial
% RO
1 % 7.50% 30% 30% 30% 30% 30% 30%
from Unit
CAR
MICRO
MPF
NMC
REFI
UMC
Target MB (MTD) Target OL1 (MTD
Jun Jul Aug Sept Oct Nov Dec May Jun Jul
30% 30% 30% 30% 30% 30% 30% 30% 30% 30%
Target OL1 (MTD) Target OL 2 (MTD)
Aug Sept Oct Nov Dec Aug Sept Oct Nov Dec
30% 30% 30% 30% 30%

Target OL 3 (MTD) Target YTD
Nov Dec Jan Feb Mar Apr May Jun Jul Aug
30% 30% 30% 30% 30% 30% 30% 30%

TD Actu
Sept Oct Nov Dec Jan Feb Mar Apr
30% 30% 30% 30% 44.8% 46.8% 47.2% 46.6%
62.5% 61.3% 72.4% 61.7%

0.0% 0.0% 0.0% 66.7%
61.1% 62.1% 61.8% 61.2%
24.6% 25.3% 25.3% 25.4%
61.3% 61.7% 61.2% 60.4%
29.5% 32.0% 31.6% 31.6%
Actual MTD
May Jun Jul Aug Sept Oct Nov Dec Jan Feb
44.8% 45.8%
62.5% 61.9%
0.0% 0.0%
61.1% 61.5%
24.6% 24.9%
61.3% 61.5%
29.5% 30.7%
Actual YTD
Mar Apr May Jun Jul Aug Sept Oct Nov Dec
46.3% 46.4%
65.5% 64.3%
0.0% 66.7%
61.6% 61.5%
25.1% 25.1%
61.4% 61.1%
31.0% 31.1%
Achievement YTD
OL II OL Opr OL III Jan Feb Mar Apr May Jun Jul
125.00% 125.00% 125.00% 125.00% 0.00% 0.00% 0.00%

ment YTD
Aug Sept Oct Nov Dec OL II OL Opr OL III Jan Feb
0.00% 0.00% 0.00% 0.00% 0.00% #DIV/0! #DIV/0! #DIV/0! 37.50% 37.50%
CLA Points YTD
Mar Apr May Jun Jul Aug Sept Oct Nov Dec
37.50%
37.50% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Achievement YTD vs Target CLA
OL II OL Opr OL III Jan Feb Mar Apr May Jun
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

vement YTD vs Target CLA Achievement YTD (vs Tar
Jul Aug Sept Oct Nov Dec Jan Feb Mar Apr
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #REF! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Achievement YTD (vs Target Full Year OL-1) - CLA Points Actual Ful
May Jun Jul Aug Sept Oct Nov Dec May Jun
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #REF! 2.10 1.80
Actual Full Year Projection Achievement Full Year Projection
Jul Aug Sept Oct Nov Dec May Jun Jul Aug
- - - - - #REF! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

vement Full Year Projection CLA Points Full Year Projection
Sept Oct Nov Dec May Jun Jul Aug Sept Oct
#DIV/0! #DIV/0! #DIV/0! #REF! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
ection
Nov Dec
#DIV/0! #REF!
TARGET UoM
Jan Feb
NPAT Operasional IDR Bio 125,079,254,826.97 132,323,307,086.23
Gross Profit IDR 523,938,874,094.62 535,029,711,546.35

Employee Expense IDR 147,468,911,269.53 140,975,140,868.62
Prod. Index Index 3.55 3.80
ACTUAL UoM
Jan Feb
NPAT Operasional IDR Bio 137,500,732,998.00 135,834,187,296.00
Gross Profit 544,871,107,291.00 534,100,056,662.00
Employee Expense 136,324,432,749.00 138,499,631,567.00
Prod. Index 4.00 3.86
MTD
Mar Apr May Jun
135,541,003,123.80 135,388,967,333.14 144,777,255,490.70 148,305,621,305.87
562,224,605,461.31 566,233,558,436.64 592,745,960,832.41 614,474,902,601.45

147,571,661,090.30 145,390,617,664.41 147,060,811,584.27 148,440,334,970.50
3.81 3.89 4.03 4.14
MTD
Mar Apr May Jun
137,620,977,077.00 139,833,580,807.00 144,777,255,490.70 148,305,621,305.87
555,176,786,856.00 566,472,741,199.00 592,745,960,832.41 614,474,902,601.45
141,746,472,338.00 144,191,036,805.00 147,060,811,584.27 148,440,334,970.50
3.92 3.93 4.03 4.14
MTD
Jul Aug Sept Oct
149,297,127,484.92 146,720,977,079.81 149,945,484,199.66 148,805,591,332.43
576,081,662,094.56 581,953,357,598.99 584,905,914,301.61 597,852,800,889.37

139,219,458,344.59 139,220,885,042.64 139,636,109,372.53 143,724,518,548.25
4.14 4.18 4.19 4.16
MTD
Jul Aug Sept Oct
149,297,127,484.92 146,720,977,079.81 149,945,484,199.66 148,805,591,332.43
576,081,662,094.56 581,953,357,598.99 584,905,914,301.61 597,852,800,889.37
139,219,458,344.59 139,220,885,042.64 139,636,109,372.53 143,724,518,548.25
4.14 4.18 4.19 4.16
Nov Dec Jan Feb
141,700,340,722.44 142,115,070,014.05 125,079,254,826.97 257,402,561,913.19
592,826,532,989.59 603,240,347,361.42 523,938,874,094.62 1,058,968,585,640.98

148,301,347,424.47 145,650,010,299.65 147,468,911,269.53 288,444,052,138.15
4.00 4.14 3.55 3.67
Nov Dec Jan Feb

141,700,340,722.44 142,115,070,014.05 137.50 273.33
592,826,532,989.59 603,240,347,361.42 544,871,107,291.00 1,078,971,163,953.00
148,301,347,424.47 145,650,010,299.65 136,324,432,749.00 274,824,064,316.00
4.00 4.14 4.00 3.93
YTD
Mar Apr May Jun
392,943,565,036.99 528,332,532,370.13 673,109,787,860.83 821,415,409,166.69
1,621,193,191,102.28 2,187,426,749,538.92 2,780,172,710,371.33 3,394,647,612,972.78

436,015,713,228.44 581,406,330,892.85 728,467,142,477.12 876,907,477,447.62
3.72 3.76 3.82 3.87
YTD
Mar Apr May Jun
410.96 550.79 695.57 843.87
1,634,147,950,809.00 2,200,620,692,008.00 2,793,366,652,840.41 3,407,841,555,441.86
416,570,536,654.00 560,761,573,459.00 707,822,385,043.27 856,262,720,013.77
3.92 3.92 3.95 3.98
YTD
Jul Aug Sept Oct
970,712,536,651.61 1,117,433,513,731.42 1,267,378,997,931.08 1,416,184,589,263.50
3,970,729,275,067.34 4,552,682,632,666.33 5,137,588,546,967.94 5,735,441,347,857.30

1,016,126,935,792.21 1,155,347,820,834.85 1,294,983,930,207.38 1,438,708,448,755.63
3.91 3.94 3.97 3.99
YTD
Jul Aug Sept Oct
993.17 1,139.89 1,289.84 1,438.64
3,983,923,217,536.42 4,565,876,575,135.41 5,150,782,489,437.02 5,748,635,290,326.38
995,482,178,358.36 1,134,703,063,401.00 1,274,339,172,773.53 1,418,063,691,321.78
4.00 4.02 4.04 4.05
Nov Dec
1,557,884,929,985.95 1,700,000,000,000.00
6,328,267,880,846.89 6,931,508,228,208.31
1,587,009,796,180.09 1,732,659,806,479.74
3.99 4.00
Nov Dec
1,580.34 1,722.46
6,341,461,823,315.97 6,944,702,170,677.39
1,566,365,038,746.24 1,712,015,049,045.89
4.05 4.06

CLA KPI BOD May

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CLA KPI BOD May

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FIF GROUP

WAR NMC % 29.4%

Beginning Stock unit 5,293

Total Borrowing Rp. 21,692,104

Net Profit After Tax Rp. 1,580,468

Total Expense to ASA - Rolling Average % 9.2%

Interest and financial charges Rp. 2,113,030

GROSS PROFIT Rp. 6,350,321

Operating expenses Rp. 2,412,351

OPERATING PROFIT Rp. 3,001,317

Other income (expense)

INCOME BEFORE TAX Rp. 2,135,922

Income tax expense

NET INCOME Rp. 1,580,468

Retained Earning Beginning 4,543,803

RETAINED EARNING ENDING 5,515,669

Loan interest expenses Rp. 520,316

Penalty income Rp. 147,133

Recovery of written-off receivables Rp. 132,817

Consumer financing receivables : Rp.

TOTAL ASSETS Rp. 29,650,817

LIABILITIES AND EQUITY

Repossessed assets Rp. 107,302

Fixed assets Rp. 1,181,604

ASA-1 + ARA 26,606,193

Surplus (defisit) of provision [ASA-1+ARA] 1.93%

117,447 97,947 103,874 319,268

1,664,468 1,386,966 1,488,180 4,539,614

30.0% 29.8% 29.5% 29.7%

33,779,976 33,676,918 33,662,274 33,662,274

7,171 7,857 7,334 7,171

21,790,822 20,812,235 20,535,811 20,535,811

137,501 135,834 137,621 December--3741 410,956

9.3% 9.3% 9.4% 9.3%

913,269 895,945 915,279 2,724,494

172,436 165,970 164,520 502,927

544,871 534,100 555,177 1,634,148

208,574 211,748 215,192 635,515

258,466 247,777 261,681 767,923

14,864 13,336 15,667 43,868

183,565 181,704 182,407 547,677

32,209 51,471 60,340 144,020

137,501 135,834 137,621 410,956

5,515,669 5,653,170 5,789,282 5,515,669

5,653,170 5,789,282 5,926,903 5,926,903

52,496 53,414 52,710 158,619

12,700 10,290 13,065 36,054

11,203 10,017 11,802 33,023

537,910 453,693 635,051 635,051

43,091,347 42,890,748 42,748,761 42,748,761

29,878,781 29,168,700 29,036,128 29,036,128

498,369 412,411 454,645 454,645

630,000 630,000 630,000 630,000

116,238 111,744 116,681 116,681

1,188,119 1,195,080 1,199,706 1,199,706

1,593,631 1,583,536 1,588,930 1,588,930

21,233,868 21,030,338 20,781,802 20,781,802

5.66% 5.66% 5.70% 5.70%