JASA KUSTODIAN CUSTODIAL SERVICES OPERATING SEGMENTS

PT BANK WOORI SAUDARA INDONESIA 1906 Tbk formerly PT BANK HIMPUNAN SAUDARA 1906 Tbk NOTES TO FINANCIAL STATEMENTS DECEMBER 31, 2014 AND 2013 AND FOR THE YEARS THEN ENDED Continued - 90 - Bank tidak memiliki transaksi atau utangpiutang dengan pihak berelasi yang tidak berhubungan dengan kegiatan utama Bank. The Bank does not have any transaction or payablereceivable with related parties having no relation to the Bank’s main business. 42. KOMITMEN DAN KONTINJENSI 42. COMMITMENTS AND CONTINGENCIES Seperti di dalam bisnis normal perbankan, Bank mempunyai komitmen dan kontinjensi. As part of normal banking business, the Bank has commitments and contingencies. Ikhtisar komitmen dan kontinjensi Bank yang dinyatakan dalam nilai kontrak setara dengan mata uang Rupiah adalah sebagai berikut: The following is a summary of the Bank’s commitments and contingencies at the equivalent Rupiah contractual amounts: 2014 2013 Rp Juta Rp Juta Rp Million Rp Million KOMITMEN COM M ITM ENTS Liabilitas komitmen: Commitment payables: Fasilitas pinjaman yang diberikan yang belum digunakan 2.118.817 1.696.466 Unused loan facility Irrevocable letters of credit yang Outstanding irrevocable masih berjalan 283.992 195.695 letters of credit KONTINJENSI CONTINGENCIES Tagihan kontinjensi: Contingencies receivables: Garansi yang diterima 964.781 1.124.614 Received guarantee Pendapatan bunga Interest receivable on dalam penyelesaian 40.254 1.749 non-performing assets Liabilitas kontinjensi: Contingencies payables: Bank garansi yang diterbitkan 326.031 167.606 Bank guarantees issued Bersih 1.723.805 933.404 Net Semua irrevocable letters of credit yang masih berjalan dan bank garansi yang diterbitkan memiliki kolektibilitas lancar. All outstanding irrevocable letters of credit and issued bank guarantees are categorised as current. Bank tidak memiliki bank garansi dengan pihak berelasi pada tanggal 31 Desember 2014 dan 2013. There is no bank guarantees with related party as of December 31, 2014 and 2013, respectively. Bank mengeluarkan bank garansi sebagai perjanjian penanggungan, dimana bank bertindak sebagai penanggung bagi nasabah yang menjadi debitur dalam mengadakan suatu perjanjian dengan pihak lain sebagai kreditur. The Bank issued bank guarantees as underwriting agreements, in which the Bank acts as a guarantor for the customers, becoming a debtor bound in an agreement with other parties as the creditors. 43. JASA KUSTODIAN 43. CUSTODIAL SERVICES Berdasarkan Surat Keputusan Otoritas Jasa Keuangan dahulu BAPEPAM-LK No. KEP- 01BLKstd2007 tanggal 12 September 2007, Bank telah memperoleh izin untuk memberikan jasa kustodian dan telah melakukan kegiatan operasionalnya sejak tanggal 8 Oktober 2007. Based on the Financial Service Authority previously Bapepam-LK Decision Letter No. KEP- 01BLKstd2007 dated September 12, 2007, the Bank obtained an approval to provide custodial services and has commenced its operational on October 8, 2007. Bank memberikan jasa-jasa kustodian, antara lain, pengadministrasian surat-surat berharga, pengadministrasian dana dan laporan dan informasi. The Bank provides the following custodial services administration of securities, administration of funds and report and information. PT BANK WOORI SAUDARA INDONESIA 1906 Tbk formerly PT BANK HIMPUNAN SAUDARA 1906 Tbk NOTES TO FINANCIAL STATEMENTS DECEMBER 31, 2014 AND 2013 AND FOR THE YEARS THEN ENDED Continued - 91 - 44. SEGMEN OPERASI

44. OPERATING SEGMENTS

Bank memiliki lima pelaporan segmen. Di bawah ini merupakan penjelasan mengenai operasi dari masing-masing pelaporan segmen yang dimiliki oleh Bank: The Bank has five reportable segments. The following describes the operations in each of the Bank’s reportable segments:  Pensiunan – termasuk pinjaman yang diberikan kepada nasabah pensiunan.  Pensioner – includes loans disbursed to pensioners debtor.  Pegawai – termasuk pinjaman yang diberikan kepada nasabah pegawai pemerintahan.  Employee – includes loans disbursed to government employees  Komersial – termasuk pinjaman yang diberikan untuk nasabah komersial seperti koperasi, multifinance dan lain-lain.  Commercial – includes loans disbursed to commercial debtors such as cooperation, multifinance and others.  Tresuri – segmen ini terkait dengan kegiatan tresuri Bank termasuk transaksi money market dan investasi dalam bentuk penempatan dan efek-efek.  Treasury – undertakes the Bank’s treasury activities which include money market and investment in placements and securities.  Pendanaan – segmen ini terkait dengan kegiatan pendanaan Bank termasuk transaksi dana pihak ketiga, obligasi dan lain-lain  Funding – undertakes the Bank’s funding activities which include third party fund, bonds and others.  Lain-lain – termasuk di dalam lain-lain adalah informasi segmen sehubungan dengan aktifitas kantor pusat seperti aktivitas back office, jasa trade finance dan lain-lain.  Others – includes in the others is reporting segment information associated with head office activities such as all back office processes, trade finance services and others. Dalam segmen operasi ini, Bank menggunakan pendapatan bunga sebagai parameter utama dalam menentukan hasil operasi dari masing- masing segmen. In this operating segment, the Bank uses interest income as the key parameter in determining the operation result of each segment. Pensiunan Pegawai Komersial Tresuri Pendanaan Lain-lain Jumlah Pensioner Employee Commercial Treasury Funding Others Total Rp Juta Rp Juta Rp Juta Rp Juta Rp Juta Rp Juta Rp Juta Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million Pendapatan bunga - - 223.685 13.536 11.651 2.692 251.564 Interest revenues Beban bunga - - 15.187 1.706 11.221 8.138 36.252 Interest expenses Pendapatan bunga - bersih - - 208.498 11.830 430 5.446 215.312 Interest revenues - net Aset 3.939.418 1.392.485 7.939.184 2.204.625 147.776 809.288 16.432.776 Assets Liabilitas - - 62.057 426.617 11.518.479 521.358 12.528.511 Liabilities 2014 Pensiunan Pegawai Komersial Tresuri Pendanaan Lain-lain Jumlah Pensioner Employee Commercial Treasury Funding Others Total Rp Juta Rp Juta Rp Juta Rp Juta Rp Juta Rp Juta Rp Juta Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million Pendapatan bunga - - 196.304 15.395 13.990 2.343 228.032 Interest revenues Beban bunga - - 10.720 867 10.570 5.954 28.111 Interest expenses Pendapatan bunga - bersih - - 185.584 14.528 3.420 3.611 199.921 Interest revenues - net Aset - - 5.317.621 682.189 112.427 109.643 6.221.880 Assets Liabilitas - - 77.077 931.596 3.497.330 67.915 4.573.918 Liabilities 2013 PT BANK WOORI SAUDARA INDONESIA 1906 Tbk formerly PT BANK HIMPUNAN SAUDARA 1906 Tbk NOTES TO FINANCIAL STATEMENTS DECEMBER 31, 2014 AND 2013 AND FOR THE YEARS THEN ENDED Continued - 92 - Rekonsiliasi antara pendapatan bunga bersih disesuaikan dengan laba sebelum pajak penghasilan adalah sebagai berikut: A reconciliation between net interest income with income before tax are as follows: 2014 2013 Rp Juta Rp Juta Rp Million Rp Million Pendapatan bunga - bersih 215.312 199.921 Interest revenues - net Pendapatan operasional lainnya 178.117 177.206 Other operating revenues Beban operasional lainnya 201.381 104.504 Other operating expenses Beban non operasional - bersih 3.250 - Non operating expenses - net Laba sebelum pajak penghasilan 188.798 272.623 Income before tax Segmen geografis Geographical segment Jawa Barat Jakarta Lainny a Eliminasi Jumlah West Java Jakarta Others Elimination Total Rp Juta Rp Juta Rp Juta Rp Juta Rp Juta Rp Million Rp Million Rp Million Rp Million Rp Million Penghasilan bunga - bersih - 215.312 - - 215.312 Interest revenues - net Pembentukan cadangan Allowance for kerugian penurunan nilai impairment losses on atas aset keuangan - 69.309 - - 69.309 financial assets Pendapatan operasional lainny a 29.325 136.575 12.217 178.117 Other operating income Beban tenaga kerja - 24.733 - 2.813 27.546 Personnel expense General and administrative Beban umum dan administrasi 5.181 98.894 451 - 104.526 expenses Laba operasional - bersih 24.144 158.951 11.766 2.813 192.048 Operating income - net Beban non operasional - Non operating expenses - bersih - 86 - 3.164 3.250 net Laba sebelum pajak 24.144 158.865 11.766 5.977 188.798 Income before tax Beban pajak - 50.725 - - 50.725 Tax expense Laba bersih 24.144 108.140 11.766 5.977 138.073 Net income Jumlah aset 6.519.347 8.337.458 2.401.260 825.289 16.432.776 Total assets Jumlah liabilitas 8.238.368 4.746.840 1.895.823 2.352.520 12.528.511 Total liabilities 2014 Jawa Barat Jakarta Lainny a Eliminasi Jumlah West Java Jakarta Others Elimination Total Rp Juta Rp Juta Rp Juta Rp Juta Rp Juta Rp Million Rp Million Rp Million Rp Million Rp Million Penghasilan bunga - bersih - 199.921 - - 199.921 Interest revenues - net Pembentukan cadangan Allowance for kerugian penurunan nilai impairment losses on atas aset keuangan - 515 - - 515 financial assets Pendapatan operasional lainny a 27.553 134.886 14.767 - 177.206 Other operating income Beban tenaga kerja - 24.120 - - 24.120 Personnel expense General and administrative Beban umum dan administrasi 1.645 78.867 247 - 80.759 expenses Laba operasional - bersih 25.908 232.335 14.520 - 272.763 Operating income - net Beban non operasional - Non operating expenses - bersih - 140 - - 140 net Laba sebelum pajak 25.908 232.195 14.520 - 272.623 Income before tax Beban pajak - 70.538 - - 70.538 Tax expense Laba bersih 25.908 161.657 14.520 - 202.085 Net income Jumlah aset 565.476 5.177.117 479.287 - 6.221.880 Total assets Jumlah liabilitas 565.476 3.529.155 479.287 - 4.573.918 Total liabilities 2013 PT BANK WOORI SAUDARA INDONESIA 1906 Tbk formerly PT BANK HIMPUNAN SAUDARA 1906 Tbk NOTES TO FINANCIAL STATEMENTS DECEMBER 31, 2014 AND 2013 AND FOR THE YEARS THEN ENDED Continued - 93 - 45. MANAJEMEN RISIKO

45. RISK MANAGEMENT