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Jakarta, 3 Agustus 2015

Jakarta, 3rd August 2015

Laporan Keuangan untuk semester pertama 2015: Laba Bersih tumbuh sebesar 152% yang berasal dari kenaikan Pendapatan sebesar 42% & EBITDA yang bertumbuh sebesar 33%.

Financial statements for the first half 2015: Net Income grew by 152% stemming from Revenues that increased by 42% & EBITDA that grew by 33% YoY.

Kinerja Keuangan Untuk 1H2015 Financial Performance for 1H2015

Sektor keuangan mengalami banyak tantangan di kuartal kedua 2015. Laju inflasi naik menjadi 7,26% per 30 Juni 2015 dari 6,38% per 31 Maret 2015. Kurs tengah Bank Indonesia untuk Dollar Amerika ke Rupiah terdepresiasi ke Rp13.332 per 30 Juni 2015 dari Rp13.084 per 31 Maret 2015 dan Rp12.440 per 31 Desember 2014. IHSG juga mengalami penurunan sebesar 12,2% dari 5,518.67 per 31 Maret 2015 menjadi 4,910.66 per 30 Juni 2015. Walaupun dihadapkan pada tantangan-tantangan tersebut MNC Financial Services (BCAP) berhasil membukukan peningkatan yang signifikan pada kinerja keuangan untuk 6 bulan pertama 2015 yang berakhir pada tanggal 30 Juni 2015 (1H2015).

The financial sector was faced with many challenging factors in the second quarter 2015. The consumer price index increased to 7.26% as of 30th June 2015 from 6.38% as of 31st March 2015. Bank Indonesia’s middle exchange rate for the US Dollar to Rupiah depreciated to Rp13,332 as of 30th June 2015 from Rp13,084 as of 31st March 2015 and Rp12,440 as of 31st December 2014. Indonesia’s Composite Stock Index also fell by 12.2% from 5,518.67 as of 31st March 2015 to 4,910.66 as of 30th June 2015. Despite the challenging environment, MNC Financial Services (BCAP) succeeded in posting significant improvements in financial performance for the first 6 months of 2015 that ended on 30th June 2015 (1H2015).

Per 1H2015, laba bersih bertumbuh sebesar 152% menjadi Rp42,5 miliar dari Rp16,8 miliar per 1H2014 yang dihasilkan dari (mohon melihat Figure 1 & 2):

1. Pendapatan bertumbuh sebesar 42%

menjadi sekitar Rp641,7 miliar dari

Rp451,5 miliar per 1H2014. Sekitar 34%

dari pendapatan konsolidasi dihasilkan

oleh MNC Finance, 27% dari MNC Bank

dan 15% dari MNC Life Insurance, 12%

dari MNC Securities, 7% dari MNC

Insurance, 2% dari MNC Asset

Management, 2% dari MNC Leasing

sementara MNC Kapital Indonesia

sebagai perusahaan holding memberikan

kontribusi sebesar 1% terhadap

pendapatan konsolidasi.

As of 1H2015, net income grew by 152% to Rp42.5 billion from Rp16.8 billion as of 1H2014 generated from the following (please see Figure 1 & 2):

1. Revenues grew by 42% to about Rp641.7

billion from Rp451.5 billion as of 1H2014.

Approximately 34% of consolidated

revenues were generated from MNC

Finance, 27% from MNC Bank and 15%

from MNC Life Insurance, 12% from MNC

Securities, 7% from MNC Insurance, 2%

from MNC Asset Management, 2% from

MNC Leasing while MNC Kapital

Indonesia as the Holding Company

contributed 1% to consolidated revenues.

2. EBITDA per 1H2015 naik sebesar 33% menjadi

sekitar Rp173,2 miliar dari Rp130,7 miliar per

1H2014.

3. EBITDA margin per 1H2015 adalah sebesar 27%.

2. EBITDA as of 1H2015 increased by 33% to

approximately Rp173.2 billion from Rp130.7

billion as of 1H2014.

3. EBITDA margin as of 1H2015 was 27%.

Kinerja Keuangan Anak Usaha Financial Performances of Subsidiaries MNC Finance MNC Finance Per 1H2015, pendapatan MNC Finance tumbuh sebesar 11,5% menjadi Rp222,8 miliar dari Rp199,8 miliar per 1H2014.

As of 1H2015, MNC Finance’s revenues grew by 11.5% to Rp222.8 billion from Rp199.8 billion as of 1H2014.

Pendapatan dari pembiayaan untuk consumer memberikan kontribusi sebesar 66% terhadap jumlah pendapatan MNC Finance. Sementara pendapatan pembiayaan & sewa operasi memberikan kontribusi sebesar 9%, dari anjak piutang sebesar 1% dan lain-lain sebesar 24%.

Revenues from consumer financing contributed 66% to MNC Finance’s total revenues. While contributions from financing & operating lease was 9%, factoring at 1% and others at 24%.

Per 1H2015, laba bersih meningkat sebesar 56,1% menjadi Rp16,4 miliar dari Rp10,5 miliar per 1H2014.

As of 1H2015, net income grew by 56.1% to Rp16.4 billion from Rp10.5 billion as of 1H2014.

MNC Bank MNC Bank MNC Bank membukukan pertumbuhan yang baik di dalam kondisi perekonomian yang sedang menurun. Penyaluran kredit mencapai sebesar Rp6,6 miliar, sedangkan Dana Pihak Ketiga yang berhasil dihimpun MNC Bank mencapai Rp8,2 miliar per 1H2015 dibandingkan per 1H2014 sebesar Rp6,4 miliar (per 31 Desember 2014 jumlahnya adalah sebesar Rp7,7 miliar) Pendapatan operasional MNC Bank per 1H2015 tumbuh menjadi Rp172,2 miliar dari Rp142,7 miliar per 1H2014 yang dihasilkan dari pendapatan bunga bersih yang bertumbuh sebesar 17,3% menjadi Rp133,4 miliar dari Rp113,8 miliar. Laba bersih bertumbuh menjadi Rp3,8 miliar per 1H2015 dari kerugian sebesar Rp19,8 miliar per 1H2014. Kenaikan laba bersih di dorong oleh:

1. Peningkatan Net Interest Margin (NIM) dari 3,15% per 1H2014 menjadi 3,24% per 1H2015.

2. Penurunan rasio NPL gross dari 6,11% per 1H2014 menjadi 3,79% per 1H2015.

MNC Bank tetap menjaga struktur permodalan yang kuat dengan KPMM mencapai 13,87% per 1H2015 dari 12,92% per 1H2014.

MNC Bank posted solid growth in the midst of an economic downturn. Loans reached Rp6.6 billion while customer deposits reached Rp8.2 billion as of 1H2015 compared to Rp7.7 billion as of 1H2014 (as of 31st December 2014 the figure was Rp7.7 billion) MNC Bank’s operating revenues for 1H2015 grew to Rp172.2 billion from Rp142.7 billion as of 1H2014 on the back of Net Interest Income that grew by 17.3% to Rp133.4 billion from Rp113.8 billion. Net income grew to Rp3.8 billion as of 1H2015 from a loss of Rp19.8 billion as of 1H2014. The increase in net income was due to:

1. Higher Net Interest Margin (NIM) from 3.15% as of 1H2014 to 3.24% as of 1H2015

2. Decrease in gross NPL from 6.11% as of 1H2014 to 3.79% as of 1H2015.

MNC Bank consistently maintain a strong capital structure with CAR of 13.87% as of 1H2015 compared to 12.92% as of 1H2014.

MNC Life MNC Life Per 1H2015, pendapatan premi bruto MNC Life bertumbuh sebesar 7,8% menjadi Rp135,9 miliar dari Rp126,1 miliar per 1H2014. MNC Life membukukan rugi bersih menjadi Rp9,8 miliar per 1H2015 dari laba bersih sebesar Rp4,9 miliar karena penurunan pendapatan dari investasi yang disebabkan oleh kinerja pasar modal yang menurun. Per 1H2015, MNC Life memiliki 26 kantor penjualan di 23 kota melalui pembukaan 2 kantor penjualan di Sukabumi (April) dan Semarang (Mei). Jumlah agen sales per 1H2015 bertumbuh 32,4% menjadi 9.254 dari 6.990 per 1H2014.

As of 1H2015, MNC Life’s gross premium income grew by 7.8% to Rp135.9 billion from Rp126.1 billion as of 1H2014. MNC Life booked a net loss to Rp9,8 billion as of 1H2015 from a net income of Rp4.9 billion due to decline in investment income from the poor performance of the capital market. As of IH 2015, MNC Life has 26 sales offices in 23 cities through the opening of 2 new sales offices in Sukabumi (in April) and Semarang (in May). The number of sales agent as of 1H2015 grew by 32.4% to 9,254 from 6,990 as of 1H2014.

MNC Insurance MNC Insurance Laba bersih MNC Insurance per 1H2015 bertumbuh sebesar 70,5% menjadi Rp9,0 miliar dari Rp5,3 miliar per 1H2014 walaupun pendapatan premi bersih turun menjadi Rp46,8 miliar dari Rp51,3 miliar per 1H2014. Premi bruto bertumbuh sebesar 29,1% menjadi Rp131,6 miliar per 1H2015 dari Rp101,9 miliar per 1H2014.

MNC Insurance’s net income grew by 70.5% to Rp9.0 billion as of 1H2015 from Rp5.3 billion as of 1H2014 despite the fall in net premium income to Rp46.8 billion from Rp51.3 billion as of 1H2014. Gross written premium grew by 29.1% to Rp131.6 billion as of 1H2015 from Rp101.9 billion as of 1H2014.

MNC Securities MNC Securities Pendapatan MNC Securities bertumbuh sebesar 159,5% menjadi Rp79,5 miliar per 1H2015 dari Rp30,6 miliar per 1H2014. Sekitar 51% pendapatan MNC Securities berasal dari manajemen investasi, komisi perantara pedagang efek memberikan kontribusi sebesar 30% dan sebesar 19% dari pendapatan bunga/pembayaran penalti dari nasabah.

MNC Securities’ revenues grew by 159.5% to Rp79.5 billion from Rp30.6 billion as of 1H2014. Approximately 51% of MNC Securities’ revenues were derived from investment banking, 30% from brokerage commissions and 19% was generated from interest income/penalty charges from clients.

Pendapatan dari komisi perantara pedagang efek bertumbuh sebesar 1,2% menjadi Rp23,9 miliar dari Rp23,7 miliar per 1H2014.

Revenues from brokerage commissions grew by 1.2% to Rp23.9 billion from Rp23.7 billion as of 1H2014.

Pendapatan manajemen investasi bertumbuh menjadi Rp40,8 miliar per 1H2015 dari rugi sebesar Rp5,4 miliar per 1H2014.

Revenues from investment Banking grew to Rp40.8 billion as of 1H2015 from a loss of Rp5.4 billion as of 1H2014.

MNC Asset Management MNC Asset Management MNC Asset Management membukukan penurunan pendapatan sebesar 43,2% menjadi Rp15,9 miliar dari Rp28,0 miliar per 1H2014. Penurunan pendapatan disebabkan karena pencairan reksadana oleh nasabah untuk merealisasikan keuntungan.

MNC Asset Management posted a fall in revenue of 43.2% to Rp15.9 billion from Rp28.0 billion as of 1H2014. The decrease in revenue was due to redemptions to realize returns on invested mutual funds.

MNC Leasing MNC Leasing Per 1H2015, MNC Leasing membukukan pertumbuhan pendapatan sebesar 22,7% sehingga menjadi Rp11,4 miliar dibandingkan Rp9,3 miliar per 1H2014. Laba bersih

As of 1H2015, MNC Leasing posted revenue growth of 22.7% to Rp11.4 billion compared to Rp9.3 billion as of 1H2014. Net income grew by 379% to Rp568 million as

bertumbuh sebesar 379% menjadi sebesar Rp568 juta per 1H2015 dari Rp119 juta per 1H2014.

of 1H2015 from Rp119 million as of 1H2014.

MNC Financial Services telah membukukan kinerja keuangan yang kuat per 1H2015 di tengah tantangan kondisi ekonomi yang sulit melalui efisiensi operasional dan implementasi strategi yang efektif. Kami akan terus mengimplementasikan strategi yang paling efektif untuk mencapai kinerja keuangan yang optimal sepanjang tahun 2015.

MNC Financial Services posted significant improvements in financial performance as of IH2015 in the midst of very challenging economic conditions through efficient operations and the implementation of effective strategies. We will continue to implement the most effective strategies to achieve an optimal financial performance throughout 2015.

Figure 1 Ringkasan Kinerja Keuangan Per 30 Juni 2014 & 2015

Figure 1 Summary of Financial Perfomance As of 30th June 2014 & 2015

Figure 2 Kontribusi Pendapatan Dari Entitas Per 30 Juni 2015

Figure 2 Contribution to Revenues By Entities As of 30th June 2015

For further information, please contact the Investor Relations Division:

Mulana Hutabarat

Head of Investor Relations

mulana.hutabarat@mncgroup.com

PT MNC Kapital Indonesia Tbk

Investor Relations Division

MNC Tower 21st Floor

Jl. Kebon Sirih No. 17‐19

Jakarta 10340, Indonesia

Tel:(6221)3922949

Fax:(6221)3910454

Website: www.mncfinancialservices.com

Latar Belakang PT MNC Kapital Indonesia Tbk.

MNC Kapital Indonesia atau lebih dikenal dengan nama MNC Financial Services di dirikan pada awal tahun 2000 untuk menampung semua unit bisnis yang bergerak dalam bidang keuangan yang di operasikan oleh Group termasuk ekspansi-ekspansi yang akan dilakukan di masa mendatang.

Pada tahun 2001, MNC Financial Services mencatatkan sahamnya di Bursa Efek Indonesia. Saat ini MNC Financial Services menyediakan produk dan jasa sebagai berikut: 1. MNC Life, unit asuransi jiwa milik Group yang menawarkan

beragam perlindungan yang luas yang mencakup asuransi tradisional yang terdiri dari asuransi jiwa dan kesehatan serta produk untuk mengakumulasi kekayaan dan produk unit link yang bekerja sama dengan MNC Asset Management. MNC Financial Services adalah pemegang saham sebesar 99.97% di MNC Life.

2. MNC Insurance, menyediakan beragam produk asuransi umum yang inovatif yang ditargetkan pada pelanggan ritel dan korporasi. MNC Financial Services adalah pemegang saham sebesar 99.97% di MNC Insurance.

3 MNC Finance berfokus pada pembiayaan untuk konsumer dengan mayoritas portofolio untuk pembiayaan rumah bekas dan mobil bekas. MNC Financial Services adalah pemegang saham sebesar 99.99% di MNC Finance.

4 MNC Leasing, berfokus pada jasa leasing untuk korporasi dengan lease jenis operating dan financial termasuk anjak piutang. MNC Financial Services adalah pemegang saham sebesar 99.99% di MNC Leasing.

5 MNC Securities, saat ini menyediakan jasa sebagai pialang saham

dan instrument berpendapatan tetap, jasa transaksi saham secara online, penjamin emisi dan penasehat jasa keuangan serta riset. MNC Financial Services adalah pemegang saham sebesar 99.99% di MNC Securities.

6 MNC Asset Management menyediakan beragam reksadana yang

luas dengan profil risiko yang berbeda, reksadana yang berbasis di luar negeri, private equity dan unit link manajemen aset yang bekerja sama dengan MNC Life. MNC Financial Services adalah pemegang saham sebesar 99.99% di MNC Asset Management.

7 MNC Bank, memiliki perijinan perbankan yang lengkap yang

membidik pada pasar korporasi dan consumer untuk memobilisasi dana pihak ketiga dan pinjaman. MNC Financial Services adalah pemegang saham sebesar 39.88% di MNC Bank.

Profile of PT MNC Kapital Indonesia Tbk.

MNC Kapital Indonesia or better known as MNC Financial Services was established in early 2000 to cater all the financial businesses operated by the Group including its future expansions.

In 2001, MNC Financial Services went public on the Indonesian Stock Exchange. Currently, MNC Financial Services provides the following products and services: 1. MNC Life, offers a wide range of protection covering the

traditional life and health insurance products as well as wealth accumulation and unit link products in co-operation with MNC Asset Management. MNC Financial Services has 99.97% shareholding of MNC Life.

2. MNC Insurance provides a diverse range of innovative

general insurance products targeting retail and corporate clients. MNC Financial Services has 99.97% shareholding of MNC Insurance.

3. MNC Finance focuses on consumer financing with the

majority portfolio in secondary mortgage and secondhand cars. MNC Financial Services has 99.99% shareholding of MNC Finance.

4. MNC Leasing, focuses on corporate clients with leasing

services, both operating and financial lease including factoring. MNC Financial Services has 99,99% shareholding of MNC Leasing.

5. MNC Securities, provides equity and fixed income

brokerage, online brokerage services, investment banking and financial advisory services as well as research. MNC Financial Services has 99.99% shareholding of MNC Securities.

6. MNC Asset Management provides a wide range of domestic

mutual funds with different risk profile, offshore funds, private equity and unit link asset management in co-operation with MNC Life. MNC Financial Services has 99.99% shareholding of MNC Asset Management.

7. MNC Bank, a fully licensed bank targeting both corporate

and consumer market in mobilizing third party funds and lending. MNC Financial Services has 39.88% shareholding of MNC Bank.

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