MANAGEMENT POLICIES ON FINANCIAL RISK

The original consolidated financial statements included herein are presented in Indonesian language. - 85 - PT DWI ANEKA JAYA KEMASINDO Tbk DAN ENTITAS ANAK CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASI 31 DESEMBER 2016 DAN 31 DESEMBER 2015 Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain PT DWI ANEKA JAYA KEMASINDO Tbk AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS DECEMBER 31, 2016 AND 2015 Expressed in thousands of Rupiah, unless otherwise stated

38. PERIKATAN DAN KOMITMEN Lanjutan

38. AGREEMENTS AND COMMITMENTS Continued

s. Berdasarkan Akta Perjanjian Kredit No. 42 tanggal 28 2011, yang telah diubah dengan Perjanjian Perubahan dan Perpanjangan terakhir terhadap Perjanjian Kredit No PPWKP1060415 tanggal 2 April 2015, Entitas memperoleh pinjaman dari PT Bank Danamon Indonesia Tbk berupa fasilitas Pinjaman Rekening Koran dan Open Account Financing Buyer dengan batas maksimum pinjaman masing-masing sebesar Rp 15.000.000 dan Rp 15.000.000. Pinjaman ini dikenakan bunga sebesar 10,5 per tahun dan diperpanjang sampai dengan tanggal 5 April 2016. s. Under the Credit Agreement Deed No. 42 dated 28, 2011, which amended the Agreement and last Amendment to Credit Agreement No. Extension PPWKP1060415 dated April 2, 2015, the Entity obtained a loan from PT Bank Danamon Indonesia Tbk in the form of loan facilities and the Current Account Open Account Financing Buyer with a maximum limit of loan amounting to Rp 15,000,000 and Rp 15,000,000. This loan bears interest at 10.5 per annum and extended until April 5, 2016.

39. INFORMASI SEGMEN

39. SEGMENT INFORMATION

Entitas pada saat ini melakukan kegiatan usaha industri kemasan percetakan offset dan karton gelombang. The Entity currently conducts business in offset printing and packaging industry of corrugated carton. Berikut adalah informasi segmen berdasarkan segmen usaha: Here is the segment information by business segment: Kart on Percet akan Gelombang offset Corrugated Eliminasi Jumlah Offset Printing Carton Elim ination Total Se gme n Pe ndapatan dan Segment Revenue and Hasi l Result Pihak ekst ernal 212.505.363 2.465.841 214.971.204 External parties Pihak int ernal 795.487 37.495 832.981 - Internal parties Jumlah pendapat an 213.300.850 2.503.335 832.981 214.971.204 Total Revenue Hasi l Result Hasil segmen 311.830.013 - 832.981 310.997.031 Segm ent result Pendapat an lain-lain 20.008.593 - - 20.008.593 Other incom e Beban operasi 67.521.210 - 67.521.210 Operating expense Pendapat an keuangan 785.674 - 785.674 Finance incom e Beban keuangan 68.135.555 - 68.135.555 Finance charges Beban lain-lain 155.558.381 - 155.558.381 Other expenses Rugi sebelum t aksiran Incom e before provision for beban pajak 368.950.043 - - 366.446.707 tax expense T aksiran beban pajak 117.206 117.206 Provision for incom e tax Pendapat an komprehensif lainnya 13.308.300 13.308.300 Other com prehensive incom e Jumlah laba komprehensif Total com prehensive incom e periode berjalan 382.141.137 379.637.802 for the year 31 Desember 2016 Decem ber 31, 2016