ASET TETAP lanjutan FIXED ASSETS continued

PT BANK QNB INDONESIA TBK CATATAN ATAS LAPORAN KEUANGAN Tanggal 31 Desember 2015 dan untuk Tahun yang Berakhir pada Tanggal Tersebut Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain PT BANK QNB INDONESIA TBK NOTES TO THE FINANCIAL STATEMENTS As of December 31, 2015 and for the Year Then Ended Expressed in millions of Rupiah, unless otherwise stated 96 23. MODAL SAHAM lanjutan 23. SHARE CAPITAL continued Pada tanggal 27 Mei 2013, Bank memperoleh Pernyataan Efektif dari Otoritas Jasa Keuangan “OJK” berdasarkan Surat Keputusan No. S-141D.042013 dalam rangka Penawaran Umum Terbatas III PUT III dengan menerbitkan Hak Memesan Efek Terlebih Dahulu HMETD sejumlah 2.596.543.000 saham dengan nilai nominal dan harga penawaran sebesar Rp250 dalam Rupiah penuh per saham. On May 27, 2013, the Bank obtained the Effective Notification from the Financial Service Authority “OJK” through its Decree No. S-141D.042013 in relation to the Third Limited Public Offering PUT III by conducting the Rights Issue HMETD amounting to2,596,543,000 shares with par value and at the offering price of Rp250 in full amount per share. Setelah PUT III, modal ditempatkan dan disetor Bank meningkat menjadi 6.158.330.518 lembar saham atau senilai Rp1.539.583. After the PUT III, the Bank’s issued and fully paid capital increased to 6,158,330,518 shares or Rp1,539,583. Pada tanggal 2 Juni 2014, Bank memperoleh Pernyataan Efektif dari Otoritas Jasa Keuangan “OJK” berdasarkan Surat Keputusan No. . S-253D.042014 dalam rangka Penawaran Umum Terbatas IV PUT IV dengan menerbitkan Hak Memesan Efek Terlebih Dahulu HMETD sejumlah 2.598.815.479 saham dengan nilai nominal dan harga penawaran sebesar Rp250 dalam Rupiah penuh per saham. On June 2, 2014, the Bank obtained the Effective Notification from the Financial Service Authority “OJK” through its Decree No. . S-253D.042014 in relation to the Fourth Limited Public Offering PUT IV by conducting the Rights Issue HMETD amounting to 2,598,815,479 shares with par value and at the offering price of Rp250 in full amount per share. Setelah PUT IV, modal ditempatkan dan disetor Bank meningkat menjadi 8.757.145.997 lembar saham atau senilai Rp2.189.287 After the PUT IV, the Bank’s issued and fully paid capital increased to 8,757,145,997 shares or equivalent to Rp2,189,287. 24. TAMBAHAN MODAL DISETOR 24. ADDITIONAL PAID-IN CAPITAL Tambahan modal disetor pada tanggal 31 Desember 2015 dan 2014 berasal dari: The additional paid-in capital as of December 31, 2015 and 2014 were derived from: 31 DesemberDecember 31 2015 2014 Agio saham 8.771 8.771 Additional paid-in capital Beban emisi saham 33.341 33.341 Shares issuance costs Total - neto 24.570 24.570 Total - net Beban emisi saham timbul dari penerbitan saham melalui Penawaran Umum Perdana, PUT I, PUT II, PUT III dan PUT IV masing-masing sebesar Rp1.635, Rp1.032, Rp25.562, Rp2.525 dan Rp2.587 Catatan 1b dan 23. Share issuance costs arose from shares issuance through Initial Public Offering, PUT I, PUT II, PUT III, and PUT IV amounting to Rp1,635, Rp1,032, Rp25,562, Rp2,525 and Rp2,587 respectively Notes 1b and 22. 25. CADANGAN UMUM DAN WAJIB 25. GENERAL AND LEGAL RESERVE Cadangan umum dan wajib dibentuk sesuai dengan Undang-Undang Republik Indonesia No. 11995 sebagaimana telah diubah dengan Undang-Undang No. . 402007 tentang Perseroan Terbatas yang berlaku efektif sejak tanggal 16 Agustus 2007 yang mengharuskan perusahaan- perusahaan untuk membentuk cadangan umum dengan jumlah minimum 20 dari modal saham yang ditempatkan dan disetor. Tidak ada batas waktu pembentukan cadangan ini. The general and legal reserve was provided in relation with the Law of the Republic of Indonesia No. 11995 which has been replaced with the Law No. 402007 regarding the Limited Liability Company effective on August 16, 2007 which requires companies to set up a general reserve amounting to at least 20 of the issued and paid up share capital. There is no timeline over which this amount should be provided. PT BANK QNB INDONESIA TBK CATATAN ATAS LAPORAN KEUANGAN Tanggal 31 Desember 2015 dan untuk Tahun yang Berakhir pada Tanggal Tersebut Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain PT BANK QNB INDONESIA TBK NOTES TO THE FINANCIAL STATEMENTS As of December 31, 2015 and for the Year Then Ended Expressed in millions of Rupiah, unless otherwise stated 97 25. CADANGAN UMUM DAN WAJIB lanjutan 25. GENERAL AND LEGAL RESERVE continued Berdasarkan akta No. 36 tanggal 27 Februari 2015 dibuat dihadapan Fathiah Helmi, SH, notaris Jakarta, disetujui penetapan laba bersih tahun 2014 digunakan untuk menambah modal Bank dan memperkuat rasio modal. Based on deed No. 36 dated February 27, 2015 of Fathiah Helmi, SH, notary public in Jakarta, was approved that profit for the year 2014 was used to increase the capital and to strengthen capital adequacy ratio. Berdasarkan akta No. 67 tanggal 28 Maret 2014 dibuat dihadapan Fathiah Helmi, SH, notaris Jakarta, disetujui penetapan laba bersih tahun 2013 digunakan untuk menutup akumulasi kerugian tahun sebelumnya. Based on deed No. 67 dated March 28, 2014 of Fathiah Helmi, SH, notary public in Jakarta, was approved that profit for the year 2013 was used to cover accumulated losses of previous years. 26. PENDAPATAN BUNGA - NETO 26. NET INTEREST INCOME Tahun yang Berakhir pada tanggal 31 DesemberYear ended December 31 2015 2014 Pendapatan bunga Interest income Kredit yang diberikan 1.926.821 1.159.160 Loans Penempatan pada Bank Indonesia Placements with Bank Indonesia dan bank-bank lain 58.437 30.244 and other banks Efek-efek 47.209 24.502 Securities Efek-efek yang dibeli Securities purchased under agreement dengan janji dijual kembali 8.046 7.189 to resell Lainnya 69 26 Others 2.040.582 1.221.121 Beban bunga Interest expense Simpanan dari nasabah Deposits from customers Deposito berjangka Time deposits dan deposit on call 1.167.481 717.966 and deposits on call Giro 89.005 39.444 Current accounts Tabungan 3.862 7.576 Saving accounts Simpanan dari bank-bank lain Deposits from other banks Deposit on call 32.229 27.606 Deposits on call Deposito berjangka 80 253 Time deposits Giro 7 10 Demand deposits Pinjaman Subordinasi 17.662 - Subordinated Loan Premi penjaminan ke LPS Catatan 37 41.005 20.101 Guarantee premium to LPS Note 37 Lain-lain - 1.543 Others 1.351.331 814.499 Pendapatan bunga - neto 689.251 406.622 Net interest income