LABA BERSIH PER SAHAM NET EARNINGS PER SHARE

PT ASURANSI BINA DANA ARTA Tbk PT ASURANSI BINA DANA ARTA Tbk DAN ENTITAS ANAK AND ITS SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN NOTES TO CONSOLIDATED FINANCIAL KONSOLIDASIAN Lanjutan STATEMENTS Continued Untuk tahun-tahun yang berakhir For the years ended 31 Desember 2015 dan 2014 December 31, 2015 and 2014 Dinyatakan dalam ribuan Rupiah, kecuali dinyatakan lain Expressed in thousands of Rupiah, unless otherwise stated

40. PERIKATAN Lanjutan

40. COMMITMENTS Continued

41. SEGMEN OPERASI 41. OPERATING SEGMENT a. Segmen Geografis a. Geographical Segment 2015 2015 Aset Assets Kas dan setara kas Cash and cash equivalents Investasi Investments Piutang premi Premium receivables Piutang reasuransi Reinsurance receivables Aset reasuransi Reinsurance assets Biaya dibayar dimuka Prepaid expenses Pajak dibayar dimuka Prepaid taxes Aset tetap-bersih Fixed assets-net Aset yang tidak dapat dialokasikan Unallocated assets Jumlah aset Total assets Liabilitas Liabilities Utang klaim Claim payables Utang reasuransi Reinsurance payables Liabilitas kontrak Insurance contract asuransi liabilities Utang komisi Commission payables Utang pajak Taxes payable Biaya dibayar di muka Accrued expenses Liabilitas yang tidak Unallocated dapat dialokasikan liabilities Jumlah liabilitas Total liabilities 425 425 493 157 44.972 52.035 55.990 36.331 683.363 1.625.206 - - - 1.827 Total Pada tanggal 28 September 2015, dengan Perjanjian sewa menyewa No. PKS NON INS015ABDA-MAAIX2015, Perusahaan mengikat perjanjian sewa ruang kantor dengan PT Mapfre Abda Assistance untuk periode 36 bulan mulai dari tanggal 21 September 2015 sampai dengan 21 September 2018. On September 28, 2015, by rent agreement No. PKS NON INS015ABDA-MAAIX2015, binding the Companys office space lease agreement with PT Mapfre Abda Assistance for a period of 36 months starting from September 21, 2015 to September 21, 2018. Jumlah pendapatan sewa lain untuk tahun 2015 sebesar Rp 39.375. Total other rent income for 2015 amounting to Rp 39,375. dalam jutaan Rupiah in millions Rupiah Sumatera Jumlah dan Batam Jawa Kalimantan 1.243.839 1.243.839 - 1.694 320.206 715 72 478 30.837 287 4.850 5.326 35 3.787 3.787 1.980 125 267 42 347.276 405.239 Jabodetabek 122 1.067.335 1.071.101 19.023 5.317 66.125 97.524 357.059 1.167 7.596 314 75 3.545 5.242 337.897 396.561 - 62 26 4.531 5.215 - - - 1.520.770 12.266 23.707 633 605 70 - 719 4.211 2.742.921 2.846.760 11.170 5.833 6.165 2.914 7.926 12.381 Total investment income from investment property for 2015 and 2014, each amounting to Rp 772,200 and Rp 723,294. 38.593 104 - - Jumlah pendapatan investasi dari properti investasi untuk tahun 2015 dan 2014, masing-masing sebesar Rp 772.200 dan Rp 723.294. 8.800 3.609 2.480 301 164 437 - - 36.786 23.517 8.742 6.039 50.907 55.378 35.315 644.712 - - - - - - 17.884 24.875 20.829 - 913 26 126 - - 39 721 Sulawesi Bali 451 3.196 5.228 1.243 299 1.634 2.121 80 PT ASURANSI BINA DANA ARTA Tbk PT ASURANSI BINA DANA ARTA Tbk DAN ENTITAS ANAK AND ITS SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN NOTES TO CONSOLIDATED FINANCIAL KONSOLIDASIAN Lanjutan STATEMENTS Continued Untuk tahun-tahun yang berakhir For the years ended 31 Desember 2015 dan 2014 December 31, 2015 and 2014 Dinyatakan dalam ribuan Rupiah, kecuali dinyatakan lain Expressed in thousands of Rupiah, unless otherwise stated

41. INFORMASI SEGMEN Lanjutan

41. SEGMENT INFORMATION Continued

a. Segmen Geografis lanjutan a. Geographical Segment continued 2015 2015 Pendapatan premi Premium income Premi bruto Gross premiums Premi reasuransi Reinsurance premium Perubahan bersih Net change in liabilitas premi premium liabilities Jumlah pendapatan Total premiums premi income Beban underwriting Underwriting expenses Beban klaim Claim expenses Klaim bruto Gross claims Klaim reasuransi Reinsurance claims Perubahan bersih Net change in estimated estimasi liabilitas klaim claim liabilities Jumlah beban klaim Total claim expenses Beban komisi - bersih Commission expense-net Beban underwriting Other underwriting lainnya expenses Jumlah beban Total underwriting underwriting expenses Hasil underwriting Underwriting income 2014 2014 Aset Assets Kas dan setara kas Cash and cash equivalents Investasi Investments Piutang premi Premium receivables Piutang reasuransi Reinsurance receivables Aset reasuransi Reinsurance assets Biaya dibayar dimuka Prepaid expenses Pajak dibayar dimuka Prepaid taxes Aset tetap-bersih Fixed assets-net Aset yang tidak dapat dialokasikan Unallocated assets Jumlah aset Total assets Liabilitas Liabilities Utang klaim Claim payables Utang reasuransi Reinsurance payables Liabilitas kontrak Insurance contract asuransi liabilities Utang komisi Commission payables Utang pajak Taxes payable Biaya dibayar di muka Accrued expenses Liabilitas yang tidak Unallocated dapat dialokasikan liabilities Jumlah liabilitas Total liabilities dalam jutaan Rupiah in millions Rupiah Sumatera Jumlah dan Batam Jawa Kalimantan Sulawesi Bali Jabodetabek Total - 18.694 2.573.202 924.095 4.955 78.702 214.954 3 3.424 2.996 175 23.769 59.463 156.627 131.524 25.047 7 7.560 37.673 23.033 11.606 10.262 8.556 2.683.027 712 419 86 1.030.655 1.034.077 3.589 628 14.934 13.342 366.694 708.168 58.086 56.032 9.237 7.942 97.679 - 4 5.675 2.802 6.028 721 73.526 130.357 - - 351 238.529 247.022 37.331 2.174 444 2.091 2.209 6.585 214.760 173 116.417 106.442 181 12 18 47 35 - 9.210 22.636 536.230 1.116.187 3.718 832 58 153.126 122.687 26.064 12.716 13.337 45.886 372.669 700.599 18.209 29.562 2.311 13.097 23.790 6.561 - - 2.209 514 - 8.870 10.270 768 2.269 466 2.866 11.551 4.321 90.122 192.092 187.559 34.465 22.888 973 4.252 175.913 18.315 446.108 1.132 16.779 26.281 668.560 1.376.099 27.190 5.419 58.804 129.555 2.924 - 297 238 67 4.131 364.316 402 3.978 313.318 30.464 4.754 672 334 218.968 253 38.936 - - 2.793 - - - - 381 1.179.527 1.179.527 253 51.187 50.820 35.250 603.944 1.467.620 3.283 323.167 249 51 461 4.843 - 54 39 - - - - - - - - 509 197 65.761 5.117 238 6.351 1.433 11.837 5.135 49.160 12.022 19.474 - - 496 90 388 3.945 34.439 283.928 307.048 44.396 715 - 357.746 49.659 4.376 34.103 568.591 1.372.577 4.054 1.878 5.804 862 596 303 14.589 22.282 81