USE OF CRITICAL ACCOUNTING ESTIMATES AND JUDGMENTS continued

DAN ENTITAS ANAKAND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2015 DAN 2014 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2015 AND 2014 Expressed in millions of Rupiah, unless otherwise stated Halaman - 85 - Page 6. GIRO PADA BANK LAIN lanjutan

6. CURRENT ACCOUNTS WITH OTHER BANKS

continued

d. Cadangan kerugian

penurunan nilai lanjutan

d. Allowance for

impairment losses continued 2015 2014 Saldo awal 1,589 1,709 Beginning balance Pembalikan selama tahun berjalan 632 - Reversal during the year Penyesuaian karena penjabaran Foreign exchange translation laporan keuangan 51 120 adjustment Saldo akhir 906 1,589 Ending balance Manajemen berpendapat bahwa jumlah cadangan kerugian penurunan nilai di atas telah memadai. Management believes that the allowance for impairment losses is adequate. e. Tingkat suku bunga per tahun e. Annual interest rates Dolar Amerika Serikat United States Dollar 2015 0.01 - 0.25 2015 2014 0.01 - 0.22 2014

7. PENEMPATAN PADA BANK LAIN DAN BANK INDONESIA

7. PLACEMENTS WITH OTHER BANKS AND BANK INDONESIA

a. Berdasarkan jenis dan mata uang a. By type and currency 2015 2014 Rupiah Rupiah Bank Indonesia - FASBI 2,294,069 1,076,504 Bank Indonesia - FASBI Call Money Call Money PT Bank Jabar Banten Tbk 450,000 - PT Bank Jabar Banten Tbk PT Bank Pan Indonesia Tbk 400,000 405,000 PT Bank Pan Indonesia Tbk Lembaga Pembiayaan Ekspor Lembaga Pembiayaan Ekspor Indonesia 250,000 535,000 Indonesia PT Bank Sumitomo Mitsui PT Bank Sumitomo Mitsui Indonesia 250,000 100,000 Indonesia PT Bank KEB Hana Indonesia 200,000 - PT Bank KEB Hana Indonesia PT Bank Mandiri Persero Tbk 200,000 - PT Bank Mandiri Persero Tbk PT Bank ICBC Indonesia 150,000 50,000 PT Bank ICBC Indonesia PT Bank Nationalnobu Tbk 140,000 - PT Bank Nationalnobu Tbk PT Bank Pembangunan PT Bank Pembangunan Daerah Riau 100,000 - Daerah Riau PT Bank Bukopin Tbk - 500,000 PT Bank Bukopin Tbk PT Bank Danamon Tbk - 295,000 PT Bank Danamon Tbk Royal Bank of Scotland, Jakarta - 235,000 Royal Bank of Scotland, Jakarta PT Bank Mizuho Jakarta - 212,000 PT Bank Mizuho Jakarta JP Morgan Chase - 200,000 JP Morgan Chase Deutsche Bank Jakarta - 150,000 Deutsche Bank Jakarta PT Bank DBS Indonesia - 100,000 PT Bank DBS Indonesia Hongkong Shanghai Bank Corp - 100,000 Hongkong Shanghai Bank Corp PT Bank Chinatrust - 90,000 PT Bank Chinatrust Lain-lain 175,000 30,000 Others Deposito berjangka 2,224,256 1,827,975 Time deposits 6,833,325 5,906,479 DAN ENTITAS ANAKAND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2015 DAN 2014 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2015 AND 2014 Expressed in millions of Rupiah, unless otherwise stated Halaman - 86 - Page 7. PENEMPATAN PADA BANK LAIN DAN BANK INDONESIA lanjutan 7. PLACEMENTS WITH OTHER BANKS AND BANK INDONESIA continued a. Berdasarkan jenis dan mata uang lanjutan

a. By type and currency continued

2015 2014 Mata uang asing Foreign currencies Bank Indonesia - FASBI 22,952,025 3,963,200 Bank Indonesia - FASBI Call Money Call Money Deutsche Bank AG, Singapore 1,220,639 - Deutsche Bank AG, Singapore Credit Industriel Et Commercial, Credit Industriel Et Commercial, Singapore 318,428 309,625 Singapore PT Bank ANZ Indonesia 304,649 359,165 PT Bank ANZ Indonesia PT Bank Pan Indonesia Tbk 275,700 24,770 PT Bank Pan Indonesia Tbk PT Bank BNP Paribas Indonesia 275,700 - PT Bank BNP Paribas Indonesia PT Bank DBS Indonesia 275,700 - PT Bank DBS Indonesia Banco do Brasil S.A., London 234,345 - Banco do Brasil S.A., London PT Bank Rakyat Indonesia PT Bank Rakyat Indonesia Persero Tbk 179,205 146,143 Persero Tbk Hongkong Shanghai Bank Corp., Hongkong Shanghai Bank Corp.,  London 132,853 144,663 London Bank of Tokyo – Mitsubishi, SGP - 1,857,750 Bank of Tokyo – Mitsubishi, SGP Bank of New York, NY - 313,960 Bank of New York, NY PT Bank Mega Tbk - 185,775 PT Bank Mega Tbk Raiffezen Zentrale, Singapore - 185,775 Raiffezen Zentrale, Singapore PT Bank Internasional Indonesia - 185,775 PT Bank Internasional Indonesia Emirates Nbd, Singapore - 123,850 Emirates Nbd, Singapore First Gulf Bank, Singapore - 123,850 First Gulf Bank, Singapore HSH Nordbank AG, Singapore - - HSH Nordbank AG, Singapore Lain-lain 207,464 278,635 Others Deposito berjangka 206,775 420,116 Time deposits 26,583,483 8,623,052 Total 33,416,808 14,529,531 Total Cadangan kerugian Allowance for penurunan nilai - 2,109 impairment losses Neto 33,416,808 14,527,422 Net Perincian penempatan pada bank lain dan Bank Indonesia berdasarkan mata uang adalah sebagai berikut: Placements with other banks and Bank Indonesia based on currencies are as follows: 2015 2014 Rupiah 6,833,325 5,906,479 Rupiah Mata uang asing Foreign currencies Dolar Amerika Serikat 24,911,563 8,452,144 United States Dollar Pound Sterling Inggris 132,854 153,597 Great Britain Pound Sterling Yuan Cina 1,539,066 - Chinnesse Yuan Euro - 17,311 Euro 26,583,483 8,623,052 Total 33,416,808 14,529,531 Total Cadangan kerugian Allowance for penurunan nilai - 2,109 impairment losses Neto 33,416,808 14,527,422 Net