PEMBENTUKANCADANGAN KERUGIAN PENURUNAN NILAI

bk bat and 20.000.000.000 30.000.000.000 ony 8.963.924.660 a 8.562.764.468 4.054.115.696 a and ta A R ul 51.226.147.087 46.162.643.514 l lasi as 853.470.182 897.152.765 ounts 5.877.121.502 5.123.737.881 gs 112.186.412.599 117.954.757.828 it 118.917.004.283 123.975.648.474 l dap of 592.701.455 398.956.571 oans 592.701.455 398.956.571 l 8.353.514.344 3.384.225.370 g bank 8.353.514.344 .384.225.370 l ban f is ksi and - ngan s The original the financial statements included herein are in the Indonesian language. PT BANK DINAR INDONESIA Tbk CATATAN ATAS LAPORAN KEUANGAN 31 Desember 2015 dan 2014 Disajikan dalam Rupiah, kecuali dinyatakan lain PT BANK DINAR INDONESIA Tbk NOTES TO THE FINANCIAL STATEMENTS December 31, 2015 and 2014 Expressed in Rupiah, unless otherwise stated 63 34. SEGMEN OPERASI 34. SEGMENT OPERATION Bank melaporkan segmen wilayah geografis sebagai informasi segmen utama. The bank reported geographical segment as its primary segment information. 31 Desember 2015 DKI Jakarta Jawa Timur Jumlah Pendapatan bunga 175.346.786.354 10.110.317.501 185.457.103.855 Interest income Beban bunga 115.736.887.333 3.839.826.438 119.576.713.771 Interest expense Pendapatan bunga–bersih 59.609.899.021 6.270.491.063 65.880.390.084 Interest income–Net Pendapatan operasional lainnya 2.300.202.543 168.668.044 2.468.870.587 Other Operating Income Beban gaji dan tunjangan 23.906.870.212 1.130.505.093 25.037.375.305 Salaries and Allowance Beban umum dan administrasi 26.092.309.783 977.148.494 27.069.458.277 General and Administrative Expense Pembentukan cadangan kerugian 106.386.281 162.205.977 268.592.258 Allowance for losses Laba operasional 11.804.535.288 4.169.299.543 15.973.834.831 Operational Profit Laba rugi bersih 12.804.035.998 1.215.099.375 14.019.135.373 Profit loss–Net Jumlah asset 1.980.472.875.984 93.196.750.072 2.073.669.626.056 Total assets Jumlah liabilitas 1.576.792.248.943 64.196.352.538 1.640.988.601.481 Total liabilities 31 Desember 2014 DKI Jakarta Jawa Timur Jumlah Pendapatan bunga 119.257.307.489 5.296.545.982 124.553.853.471 Interest income Beban bunga 83.692.458.158 2.431.959.210 86.124.417.368 Interest expense Pendapatan bunga–bersih 35.564.849.331 2.864.586.772 38.429.436.103 Interest income–Net Pendapatan operasional lainnya 2.037.543.439 88.996.648 2.126.540.087 Other Operating Income Beban gaji dan tunjangan 18.425.654.473 797.339.893 19.222.994.366 Salaries and Allowance Beban umum dan administrasi 17.168.083.878 896.746.837 18.064.830.715 General and Administrative Expense Pembentukan cadangan kerugian 260.212.411 - 260.212.411 Allowance for losses Laba operasional 1.748.442.008 1.259.496.690 3.007.938.698 Operational Profit Laba rugi bersih 3.266.342.893 195.342.722 3.071.000.171 Profit loss–Net Jumlah aset 1.571.319.421.831 70.106.068.939 1.641.425.490.770 Total assets Jumlah liabilitas 1.195.813.355.563 26.521.168.202 1.222.334.523.765 Total liabilities

35. JAMINAN PEMERINTAH TERHADAP KEWAJIBAN PEMBAYARAN UMUM

35. GOVERNMENT GUARANTEE ON OBLIGATIONS OF COMMERCIAL BANKS

Berdasarkan Undang-Undang No. 24 tanggal 22 September 2004 yang berlaku efektif sejak tanggal 22 September 2005, sebagaimana diubah dengan Peraturan Pemerintah Pengganti Undang-Undang Republik Indonesia No. 3 tanggal 13 Oktober 2008, Lembaga Penjaminan Simpanan LPS dibentuk untuk menjamin liabilitas tertentu bank-bank umum berdasarkan program penjaminan yang berlaku, yang besaran nilai jaminannya dapat berubah jika memenuhi kriteria tertentu yang berlaku. Based on Law No. 24 dated 22 September 2004 which is effective from September 22, 2005, as amended by Government Regulation in Lieu of Law of the Republic of Indonesia No. 3 dated October 13, 2008, Lembaga Penjamin Simpanan LPS was formed to guarantee certain liabilities of commercial banks based on the applicable guarantee program, the amount of collateral value can be changed if they meet certain criteria applicable. Simpanan nasabah dijamin hanya jika suku bunganya sama dengan atau dibawah 7,50 dan 7,75 untuk simpanan dalam Rupiah pada tanggal 31 Desember 2015 dan 2014, dan 1,25 dan 1,50 untuk simpanan dalam mata uang asing pada tanggal 31 Desember 2015 dan 2014. Customer deposits are guaranteed only if the interest rate is equal to or below 7.50 and 7.75 for deposits in Rupiah as of December 31, 2105 and 2014, and 1.50 for deposits in foreign currency as of December 31, 2105 and 2014. Untuk tahun yang berakhir pada tanggal 31 Desember 2015 dan 2014 PT Bank Dinar Indonesia Tbk adalah peserta dari program penjaminan tersebut. For the year ended December 31, 2015 and 2014 PT Bank Dinar Indonesia Tbk participates and complies with the guarantee program.