Pengelolaan modal Lanjutan Capital management Continued

AnnuAL rePOrT 2016 | PT MiTRa PinaSThika MuSTika Tbk 319 PT MITRA PINASTHIKA MUSTIKA Tbk DAN ENTITAS ANAK PT MITRA PINASTHIKA MUSTIKA Tbk AND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN TAHUN BERAKHIR 31 DESEMBER 2016 DAN 2015 Lanjutan NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS YEARS ENDED 31 DECEMBER 2016 AND 2015 Continued Dalam jutaan Rupiah, kecuali dinyatakan khususIn millions of Rupiah, unless otherwise specified 26. KEPENTINGAN NONPENGENDALI 26. NON-CONTROLLING INTERESTS Lanjutan Continued MPMF Entitas anak lainnya dengan kepentingan nonpengendali tidak material Other subsidiaries with immaterial non- controlling interests Jumlah Total 31 Desember 2015: 31 December 2015: Persentase kepemilikan kepentingan nonpengendali 40,00 Non-controlling interest’s percentage of ownership Aset lancar 3.060.681 Current assets Aset tidak lancar 2.179.112 Non-current assets Liabilitas jangka pendek 1.740.502 Current liabilities Liabilitas jangka panjang 1.807.700 Non-current liabilities Aset neto 1.691.591 Net assets Aset neto milik kepentingan nonpengendali 676.636 72.458 749.094 Net assets attributable to non-controlling interests Pendapatan neto 1.119.989 Net revenues Laba neto 22.403 Net profit Penghasilan komprehensif lain 14.436 Other comprehensive income Jumlah penghasilan komprehensif 36.839 Total comprehensive income Laba yang dialokasikan kepada kepentingan nonpengendali 8.961 13.852 22.813 Profit allocated to non-controlling interests Penghasilan komprehensif lain yang dialokasikan kepada kepentingan nonpengendali 5.774 365 6.139 Other comprehensive income allocated to non-controlling interests Arus kas dari aktivitas operasi 426.627 Cash flows from operating activites Arus kas digunakan untuk aktivitas investasi 30.603 Cash flows used in investing activities Arus kas digunakan untuk aktivitas pendanaan 444.040 Cash flows used in financing activities Penurunan neto kas dan setara kas 48.016 Net decrease in cash and cash equivalents LAPOrAn TAHunAn 2016 | PT MiTRa PinaSThika MuSTika Tbk 320 PT MITRA PINASTHIKA MUSTIKA Tbk DAN ENTITAS ANAK PT MITRA PINASTHIKA MUSTIKA Tbk AND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN TAHUN BERAKHIR 31 DESEMBER 2016 DAN 2015 Lanjutan NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS YEARS ENDED 31 DECEMBER 2016 AND 2015 Continued Dalam jutaan Rupiah, kecuali dinyatakan khususIn millions of Rupiah, unless otherwise specified 27. PENDAPATAN NETO 27. NET REVENUES 2016 2015 Penjualan neto ke pihak ketiga: Net sales to third parties: Penjualan kendaraan bermotor roda dua dan roda empat beserta suku cadangnya 13.759.641 12.836.319 Sales of two and four-wheel vehicles including the spare parts Minyak pelumas 1.686.603 1.554.078 Oil lubricant 15.446.244 14.390.397 Pendapatan neto dari pihak ketiga: Net revenues from third parties: Jasa keuangan 1.221.956 1.178.519 Financing services Sewa kendaraan 1.054.343 1.070.773 Vehicle lease 2.276.299 2.249.292 17.722.543 16.639.689 Tidak ada pendapatan dari pelanggan individu yang melebihi 10 dari jumlah pendapatan neto. No revenues earned from individual customers had value exceeding 10 of total net revenues. 28. BIAYA POKOK PENDAPATAN 28. COST OF REVENUES 2016 2015 Barang dagangan 1 Januari 714.673 604.603 Merchandise inventories 1 January Pembelian tahun berjalan 12.836.042 12.107.769 Purchases during the year Barang dagangan 31 Desember 654.029 695.172 Merchandise inventories 31 December Biaya pokok penjualan dari aktivitas dagang 12.896.686 12.017.200 Cost of sales from trading activities Biaya pokok penjualan dari produksi sendiri: Cost of sales from own production: Biaya bahan baku 992.953 971.179 Raw materials used Gaji karyawan dan kompensasi lainnya 46.835 22.392 Employees’ salaries and other compensations Biaya penyusutan aset tetap 21.232 13.258 Depreciation of fixed assets Biaya overhead lainnya 17.997 21.885 Other factory overhead Jumlah biaya produksi 1.079.017 1.028.714 Total production costs Barang jadi 1 Januari 7.982 29.486 Finished goods 1 January Barang jadi 31 Desember 6.279 7.982 Finished goods 31 December Biaya pokok penjualan dari aktivitas produksi 1.080.720 1.050.218 Cost of sales from production activities Biaya pendapatan dari aktivitas sewa kendaraan 793.144 810.106 Cost of revenues from vehicle lease activities Biaya pendapatan dari aktivitas jasa keuangan 321.042 463.640 Cost of revenues from financing services 15.091.592 14.341.164 Rincian pemasok dengan jumlah nilai pembelian yang melebihi 10 dari jumlah pembelian konsolidasian adalah sebagai berikut: The details of supplier from whom the Group made purchases with value of more than 10 of the total consolidated purchase value are as follow: 2016 2015 PT Astra Honda Motor 11.904.948 11.185.245 PT Astra Honda Motor AnnuAL rePOrT 2016 | PT MiTRa PinaSThika MuSTika Tbk 321 PT MITRA PINASTHIKA MUSTIKA Tbk DAN ENTITAS ANAK PT MITRA PINASTHIKA MUSTIKA Tbk AND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN TAHUN BERAKHIR 31 DESEMBER 2016 DAN 2015 Lanjutan NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS YEARS ENDED 31 DECEMBER 2016 AND 2015 Continued Dalam jutaan Rupiah, kecuali dinyatakan khususIn millions of Rupiah, unless otherwise specified 29. BEBAN USAHA 29. OPERATING EXPENSES 2016 2015 Kompensasi karyawan 673.646 645.242 Employee compensation Kerugian penurunan nilai aset keuangan 443.160 285.603 Impairment losses of financial assets Iklan dan promosi 210.459 241.043 Advertising and promotion Transportasi dan penyimpanan 91.821 88.506 Transportation and storage Penyusutan aset tetap 86.210 72.708 Depreciation of fixed assets Jasa tenaga ahli 74.071 68.822 Professional fees Biaya alih daya 63.919 47.293 Outsourcing fees Sewa 60.188 56.738 Rental Pajak dan lisensi 37.971 25.110 Tax and licenses Perbaikan dan pemeliharaan 28.683 26.127 Repair and maintenance Amortisasi 24.663 17.730 Amortization Perjalanan dinas 23.841 24.105 Travelling Telekomunikasi 22.954 25.256 Telecommunication Peralatan kantor 17.594 15.578 Office supplies Utilitas 16.188 16.268 Utilities Biaya keanggotaan 12.121 16.017 Membership fees Kerugian penurunan nilai aset nonkeuangan 696 32.000 Impairment losses of non-financial assets Lainnya 58.944 56.959 Other 1.947.129 1.761.105 30. PENDAPATAN LAINNYA 30. OTHER INCOME 2016 2015 Pemulihan piutang tak tertagih 56.221 24.266 Bad debt recovery Bea balik nama kendaraan 47.814 41.844 Vehicle registration fees Keuntungan selisih kurs 23.845 28.246 Gain on foreign exchange Keuntungan penjualan aset tetap 14.253 48.888 Gains on sale of fixed assets Lainnya 27.754 39.988 Other 169.887 183.232 31. SEGMEN OPERASI 31. OPERATING SEGMENTS Grup memiliki empat segmen operasi. Setiap segmen menawarkan produk dan jasa yang berbeda, dan dikelola secara terpisah karena perbedaan model bisnis dan strategi pemasaran. Ikhtisar berikut menjelaskan hasil operasional segmen operasi Grup: The Group has four reportable segments. Each segment offers different products and services, and is managed separately because each has different business model and marketing strategies. The following summary describes the result of the operations of the Group’s reportable segments:  Distribusi termasuk pembelian, penjualan dan jasa atas kendaraan bermotor roda dua dan empat.  Distribution includes purchasing, sales and services of two and four-wheel vehicles.  Consumer parts termasuk manufaktur dan penjualan minyak pelumas atas kendaraan bermotor roda dua dan empat.  Consumer parts includes manufacturing and sales of oil lubricants for two-wheel and four-wheel motor vehicles.  Servis otomotif termasuk penyediaan solusi atas transportasi.  Automotive service includes transportation solution provider.  Jasa keuangan termasuk pembiayaan konsumen, otomotif dan barang modal.  Financial service includes consumer, automotive and capital goods financing. L APO rAn T AHun An 2 1 6 | PT Mi TRa Pin aSThika Mu STika Tbk er formance highlights Lapor an Manaje men Management Repor ts Pr oil P eru sahaan Company Pr oile Analisis dan P embahasan Manajeme n Management Discussion and analysis PT MITRA PINASTHIKA MUSTIKA Tbk AND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN TAHUN BERAKHIR 31 DESEMBER 2016 DAN 2015 Lanjutan NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS YEARS ENDED 31 DECEMBER 2016 AND 2015 Continued Dalam jutaan Rupiah, kecuali dinyatakan khususIn millions of Rupiah, unless otherwise specified 31. SEGMEN OPERASI Lanjutan 31. OPERATING SEGMENTS Continued Untuk tahun berakhir 31 Desember 2016: Diluar jasa keuanganNon-financial services Jasa keuangan Financial services Eliminasi Elimination Konsolidasian Consolidated For the year ended 31 December 2016: Distribusi Distribution Consumer parts Servis otomotif Automotive services Jumlah Total Pendapatan neto 15.234.969 1.959.935 1.094.563 18.289.467 1.258.673 1.825.597 17.722.543 Net revenues Biaya pokok pendapatan 14.395.452 1.343.639 807.763 16.546.854 321.042 1.776.304 15.091.592 Cost of revenues Laba bruto 839.517 616.296 286.800 1.742.613 937.631 49.293 2.630.951 Gross profit Beban usaha 577.243 276.067 144.296 997.606 858.473 3.828 1.859.907 Operating expenses Pendapatan keuangan 53.853 6.677 19.930 80.460 28.526 - 108.986 Finance income Biaya keuangan 61.603 3 191.929 253.535 - 368 253.167 Finance costs Penghasilan lainnya 64.424 7.690 45.738 117.852 49.400 4.468 162.784 Other income Beban lainnya 2.019 631 10.481 13.131 16 - 13.147 Other expenses Laba sebelum pajak 316.929 353.962 5.762 676.653 157.068 57.221 776.500 Profit before tax Beban pajak penghasilan 81.223 84.326 3.385 168.934 34.803 916 204.653 Income tax expense Laba segmen dilaporkan 235.706 269.636 2.377 507.719 122.265 58.137 571.847 Reportable segment profit Beban neto Perseroan yang tidak dialokasikan, setelah pajak penghasilan: The Company’s net unallocated expenses, after income tax: Biaya nonkeuangan 80.080 Other than finance costs Biaya keuangan 81.471 Finance costs Laba konsolidasian 410.296 Consolidated profit Pendapatan dari: Revenues from: - pelanggan ekternal 13.732.230 1.694.612 1.073.747 16.500.589 1.221.954 - 17.722.543 external customers - - segmen operasi yang sama 1.462.633 256.163 - 1.718.796 468 1.719.264 - same operating segments - - segmen operasi lain 40.106 9.160 20.816 70.082 36.251 106.333 - other operating segments - Jumlah pendapatan 15.234.969 1.959.935 1.094.563 18.289.467 1.258.673 1.825.597 17.722.543 Total revenues Annu AL rePO r T 2 1 6 | PT Mi TRa Pin aSThika Mu STika Tbk 323 Tinjau an Ope rasional Oper ational Re view Lapor an Tata K elola P erusahaan Corpor ate Go vernance Repor t Tanggung Jawab Sosial P erusah aan Corpor ate Social Responsibility Lapor an K euangan 2016 2016 Financial Statements PT MITRA PINASTHIKA MUSTIKA Tbk DAN ENTITAS ANAK PT MITRA PINASTHIKA MUSTIKA Tbk AND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN TAHUN BERAKHIR 31 DESEMBER 2016 DAN 2015 Lanjutan NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS YEARS ENDED 31 DECEMBER 2016 AND 2015 Continued Dalam jutaan Rupiah, kecuali dinyatakan khususIn millions of Rupiah, unless otherwise specified 31. SEGMEN OPERASI Lanjutan 31. OPERATING SEGMENTS Continued Untuk tahun berakhir 31 Desember 2016 Lanjutan: Diluar jasa keuanganNon-financial services Jasa keuangan Financial services Eliminasi Elimination Konsolidasian Consolidated For the year ended 31 December 2016 Continued: Distribusi Distribution Consumer parts Servis otomotif Automotive services Jumlah Total Beban penyusutan dan amortisasi 47.699 30.598 320.340 398.637 17.776 3.734 412.679 Depreciation and amortization expense Beban yang tidak dialokasikan 34.475 The Company’s unallocated expense Jumlah beban penyusutan dan amortisasi 447.154 Total depreciation and amortization expense Untuk tahun berakhir 31 Desember 2015: For the year ended 31 December 2015: Pendapatan neto 14.194.743 1.630.637 1.122.728 16.948.108 1.209.266 1.517.685 16.639.689 Net revenues Biaya pokok pendapatan 13.408.537 1.095.430 826.472 15.330.439 463.640 1.452.915 14.341.164 Cost of revenues Laba bruto 786.206 535.207 296.256 1.617.669 745.626 64.770 2.298.525 Gross profit Beban usaha 574.040 230.996 168.540 973.576 727.520 37.186 1.663.910 Operating expenses Pendapatan keuangan 53.985 8.280 13.207 75.472 18.503 320 93.655 Finance income Biaya keuangan 57.827 - 185.692 243.519 - 320 243.199 Finance costs Penghasilan lainnya 55.327 67.554 11.805 134.686 42.617 201 177.102 Other income Beban lainnya 2.660 24 97 2.781 5.155 - 7.936 Other expenses Laba rugi sebelum pajak 260.991 380.021 33.061 607.951 74.071 27.785 654.237 Profit loss before tax Beban pajak penghasilan 86.015 78.174 231 163.958 15.470 673 180.101 Income tax expense Laba rugi segmen dilaporkan 174.976 301.847 32.830 443.993 58.601 28.458 474.136 Reportable segmen profit loss L APO rAn T AHun An 2 1 6 | PT Mi TRa Pin aSThika Mu STika Tbk er formance highlights Lapor an Manaje men Management Repor ts Pr oil P eru sahaan Company Pr oile Analisis dan P embahasan Manajeme n Management Discussion and analysis PT MITRA PINASTHIKA MUSTIKA Tbk AND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN TAHUN BERAKHIR 31 DESEMBER 2016 DAN 2015 Lanjutan NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS YEARS ENDED 31 DECEMBER 2016 AND 2015 Continued Dalam jutaan Rupiah, kecuali dinyatakan khususIn millions of Rupiah, unless otherwise specified 31. SEGMEN OPERASI Lanjutan 31. OPERATING SEGMENTS Continued Untuk tahun berakhir 31 Desember 2015 Lanjutan: Diluar jasa keuanganNon-financial services Jasa keuangan Financial services Eliminasi Elimination Konsolidasian Consolidated For the year ended 31 December 2015 Continued: Distribusi Distribution Consumer parts Servis otomotif Automotive services Jumlah Total Laba rugi segmen dilaporkan Lanjutan 174.976 301.847 32.830 443.993 58.601 28.458 474.136 Reportable segmen profit loss Continued Beban neto Perseroan yang tidak dialokasikan, setelah pajak penghasilan: The Company’s net unallocated expenses, after income tax: Biaya nonkeuangan 85.496 Other than finance costs Biaya keuangan 80.881 Finance costs Laba konsolidasian 307.759 Consolidated profit Pendapatan dari: Revenues from: - pelanggan ekternal 12.811.831 1.554.078 1.095.260 15.461.169 1.178.520 - 16.639.689 external customers - - segmen operasi yang sama 1.359.525 62.299 - 1.421.824 606 1.422.430 - same operating segments - - segmen operasi lain 23.387 14.260 27.468 65.115 30.140 95.255 - other operating segments - Jumlah pendapatan neto 14.194.743 1.630.637 1.122.728 16.948.108 1.209.266 1.517.685 16.639.689 Total net revenues Beban penyusutan dan amortisasi 35.693 16.103 344.154 395.950 15.861 2.694 409.117 Depreciation and amortization expense Beban yang tidak dialokasikan 33.768 The Company’s unallocated expense Jumlah beban penyusutan dan amortisasi 442.885 Total depreciation and amortization expense Annu AL rePO r T 2 1 6 | PT Mi TRa Pin aSThika Mu STika Tbk 325 Tinjau an Ope rasional Oper ational Re view Lapor an Tata K elola P erusahaan Corpor ate Go vernance Repor t Tanggung Jawab Sosial P erusah aan Corpor ate Social Responsibility Lapor an K euangan 2016 2016 Financial Statements PT MITRA PINASTHIKA MUSTIKA Tbk DAN ENTITAS ANAK PT MITRA PINASTHIKA MUSTIKA Tbk AND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN TAHUN BERAKHIR 31 DESEMBER 2016 DAN 2015 Lanjutan NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS YEARS ENDED 31 DECEMBER 2016 AND 2015 Continued Dalam jutaan Rupiah, kecuali dinyatakan khususIn millions of Rupiah, unless otherwise specified 31. SEGMEN OPERASI Lanjutan 31. OPERATING SEGMENTS Continued Sehubungan dengan utang obligasi Grup Catatan 22, manajemen mengkategorisasikan laporan posisi keuangan Perseroan dan entitas anak menjadi entitas anak diluar jasa keuangan, yang juga merupakan entitas anak penjamin, dan entitas anak jasa keuangan. Lihat Catatan 1c untuk pengkategorisasiannya. In relation to the Group’s bonds payable Note 22, management categorizes the statement of financial position of the Company and subsidiaries into non-financial service subsidiaries, which are also subsidiary guarantors, and financial service subsidiaries. See Note 1c for the categorization. Aset dan liabilitas Perseroan yang tidak dialokasikan disajikan sebagai bagian dari kategori diluar jasa keuangan. The Company’s unallocated assets and liabilities are presented as part of non-financial service category. Angka yang disajikan adalah setelah eliminasi antara entitas anak sekategori, tapi sebelum eliminasi antara entitas anak tidak sekategori. Amounts presented are after elimination among subsidiaries under the same category, but before elimination among subsidiaries under different category. Catatan Notes Jasa keuangan Financial services Diluar jasa keuangan Non-financial services Eliminasi antar kategori Elimination between category Konsolidasian Consolidated 2016 2015 2016 2015 2016 2015 2016 2015 Kas dan setara kas 4 294.710 323.812 990.369 1.159.775 - - 1.285.079 1.483.587 Cash and cash equivalents Aset lancar lainnya 2.826.360 3.088.267 1.625.013 1.899.991 17.868 17.430 4.433.505 4.970.828 Other current assets JUMLAH ASET LANCAR 3.121.070 3.412.079 2.615.382 3.059.766 17.868 17.430 5.718.584 6.454.415 TOTAL CURRENT ASSETS Aset tetap, neto 30.650 38.946 3.490.233 3.312.061 - - 3.520.883 3.351.007 Fixed assets, net Aset tidak lancar lainnya 3.172.913 2.220.418 3.428.036 3.368.906 914.191 914.343 5.686.758 4.674.981 Other non-current asset JUMLAH ASET TIDAK LANCAR 3.203.563 2.259.364 6.918.269 6.680.967 914.191 914.343 9.207.641 8.025.988 TOTAL NON-CURRENT ASSETS JUMLAH ASET 6.324.633 5.671.443 9.533.651 9.740.733 932.059 931.773 14.926.225 14.480.403 TOTAL ASSETS L APO rAn T AHun An 2 1 6 | PT Mi TRa Pin aSThika Mu STika Tbk er formance highlights Lapor an Manaje men Management Repor ts Pr oil P eru sahaan Company Pr oile Analisis dan P embahasan Manajeme n Management Discussion and analysis PT MITRA PINASTHIKA MUSTIKA Tbk AND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN TAHUN BERAKHIR 31 DESEMBER 2016 DAN 2015 Lanjutan NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS YEARS ENDED 31 DECEMBER 2016 AND 2015 Continued Dalam jutaan Rupiah, kecuali dinyatakan khususIn millions of Rupiah, unless otherwise specified 31. SEGMEN OPERASI Lanjutan 31. OPERATING SEGMENTS Continued Catatan Notes Jasa keuangan Financial services Diluar jasa keuangan Non-financial services Eliminasi antar kategori Elimination between category Konsolidasian Consolidated 2016 2015 2016 2015 2016 2015 2016 2015 Utang bank jangka pendek - - 547.043 502.765 - - 547.043 502.765 Short-term bank loans Pinjaman jangka panjang yang jatuh tempo dalam setahun 20 2.055.050 1.648.780 79.684 114.977 - - 2.134.734 1.763.757 Current maturities of long-term borrowings Liabilitas jangka pendek lainnya 380.333 289.815 1.383.597 1.510.001 17.867 17.792 1.746.063 1.782.024 Other current liabilities JUMLAH LIABILITAS JANGKA PENDEK 2.435.383 1.938.595 2.010.324 2.127.743 17.867 17.792 4.427.840 4.048.546 TOTAL CURRENT LIABILITIES Pnjaman jangka panjang, setelah dikurangi bagian yang jatuh tempo dalam setahun 20 1.490.908 1.753.353 120.787 317.925 - - 1.611.695 2.071.278 Long-term borrowings, net of current maturities Surat utang jangka menengah 299.636 - - - - - 299.636 - Medium term notes Utang obligasi - - 2.695.855 2.753.847 - - 2.695.855 2.753.847 Bonds payable Liabilitas jangka panjang lainnya 193.832 124.739 50.107 141.746 212 - 243.727 266.485 Other non-current liabilities JUMLAH LIABILITAS JANGKA PANJANG 1.984.376 1.878.092 2.866.749 3.213.518 212 - 4.850.913 5.091.610 TOTAL NON-CURRENT LIABILITIES JUMLAH LIABILITAS 4.419.759 3.816.687 4.877.073 5.341.261 18.079 17.792 9.278.753 9.140.156 TOTAL LIABILITIES JUMLAH EKUITAS 1.904.874 1.854.756 4.656.578 4.399.472 913.980 913.981 5.647.472 5.340.247 TOTAL EQUITY JUMLAH LIABILITAS DAN EKUITAS 6.324.633 5.671.443 9.533.651 9.740.733 932.059 931.773 14.926.225 14.480.403 TOTAL LIABILITIES AND EQUITY AnnuAL rePOrT 2016 | PT MiTRa PinaSThika MuSTika Tbk 327 PT MITRA PINASTHIKA MUSTIKA Tbk DAN ENTITAS ANAK PT MITRA PINASTHIKA MUSTIKA Tbk AND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN TAHUN BERAKHIR 31 DESEMBER 2016 DAN 2015 Lanjutan NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS YEARS ENDED 31 DECEMBER 2016 AND 2015 Continued Dalam jutaan Rupiah, kecuali dinyatakan khususIn millions of Rupiah, unless otherwise specified 31. SEGMEN OPERASI Lanjutan 31. OPERATING SEGMENTS Continued Informasi arus kas Cash flow information 2016 Jasa keuangan Financial services Diluar jasa keuangan Non-financial services Konsolidasian Consolidated Arus kas dari aktivitas operasi 351.929 571.280 219.351 Cash flows from operating activites Arus kas dari aktivitas investasi 80.979 479.960 560.939 Cash flows from investing activites Arus kas dari aktivitas pendanaan 403.806 260.726 143.080 Cash flows from financing activites Penurunan neto kas dan setara kas 29.102 169.406 198.508 Net decrease in cash and cash equivalents Kas dan setara kas, awal periode 323.812 1.159.775 1.483.587 Cash and cash equivalents, beginning of period Kas dan setara kas, akhir periode 294.710 990.369 1.285.079 Cash and cash equivalents, end of period 2015 Jasa keuangan Financial services Diluar jasa keuangan Non-financial services Konsolidasian Consolidated Arus kas dari aktivitas operasi 498.117 397.428 895.545 Cash flows from operating activites Arus kas dari aktivitas investasi 45.278 519.337 564.615 Cash flows from investing activites Arus kas dari aktivitas pendanaan 444.040 174.962 269.078 Cash flows from financing activites Kenaikan neto kas dan setara kas 8.799 53.053 61.852 Net increase decrease in cash and cash equivalents Kas dan setara kas, awal periode 315.013 1.106.722 1.421.735 Cash and cash equivalents, beginning of period Kas dan setara kas, akhir periode 323.812 1.159.775 1.483.587 Cash and cash equivalents, end of period 32. LABA PER SAHAM 32. EARNINGS PER SHARE 2016 2015 Laba tahun berjalan yang diatribusikan kepada pemilik entitas induk 360.751 284.946 Profit for the year attributable to the owners of the Company Jumlah saham beredarditempatkan rata-rata tertimbang 4.297.281.090 4.352.826.837 Weighted average of total outstandingissued shares Laba per saham dasar dalam Rupiah penuh 84 65 Basic earnings per share in whole Rupiah Struktur modal Grup hanya terdiri dari saham biasa. Tidak terdapat pengaturan yang dapat mendilusi laba per saham. The Groups capital structure is consists of only common stocks. There is no arrangement that can dilute the earnings per shares . LAPOrAn TAHunAn 2016 | PT MiTRa PinaSThika MuSTika Tbk 328 PT MITRA PINASTHIKA MUSTIKA Tbk DAN ENTITAS ANAK PT MITRA PINASTHIKA MUSTIKA Tbk AND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN TAHUN BERAKHIR 31 DESEMBER 2016 DAN 2015 Lanjutan NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS YEARS ENDED 31 DECEMBER 2016 AND 2015 Continued Dalam jutaan Rupiah, kecuali dinyatakan khususIn millions of Rupiah, unless otherwise specified 33. KOMPONEN EKUITAS LAINNYA 33. OTHER EQUITY COMPONENTS 2016 2015 Lindung nilai atas arus kas 335.824 339.429 Cash flow hedges Perolehan kepentingan nonpengendali tanpa perubahan kepentingan 309.038 309.038 Acquisition of non-controliing interests without a change in control Kompensasi berbasis saham 39.501 21.879 Shared-based compensation Penjabaran laporan keuangan dalam mata uang asing 13.511 14.589 Translation of financial statements in foreign currency Selisih transaksi dengan entitas sepengendalian atas pelepasan operasi yang dihentikan 12.966 12.966 Difference in value arising from disposal of discontinued operations to an entity under common control Lainnya 4.397 3.715 Other 583.281 602.748 34. INFORMASI MENGENAI PIHAK BERELASI 34. RELATED PARTY INFORMATION Pihak-pihak berelasi dan sifat hubungannya adalah sebagai berikut: The related parties and the nature of relationships are as follows: Sifat Hubungan Pihak berelasiRelated parties Nature of relationship Pemegang saham PT Saratoga Investama Sedaya Tbk Shareholder Personil manajemen inti Komisaris dan direksi Commisioners and directors Key management personnel Kompensasi personil manajemen inti Key management compensation Yang termasuk personil manajemen inti adalah komisaris dan direksi dari Perseroan dan entitas anak. Kompensasi yang dibayarkan atau terutang kepada personil manajemen inti adalah sebagai berikut: Key management personnel includes commissioners and directors of the Company and subsidiaries. Compensation paid or payable to key management personnel are as follows: Jumlah Amount Persentase dari total beban Percentage of total expenses 2016 2015 2016 2015 Kompensasi manajemen inti 72.955 60.928 3,75 3,46 Key management compensation Imbalan pascakerja 2.347 6.928 0,12 0,39 Post-employment benefits 75.302 67.856

3,87 3,85

AnnuAL rePOrT 2016 | PT MiTRa PinaSThika MuSTika Tbk 329 PT MITRA PINASTHIKA MUSTIKA Tbk DAN ENTITAS ANAK PT MITRA PINASTHIKA MUSTIKA Tbk AND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN TAHUN BERAKHIR 31 DESEMBER 2016 DAN 2015 Lanjutan NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS YEARS ENDED 31 DECEMBER 2016 AND 2015 Continued Dalam jutaan Rupiah, kecuali dinyatakan khususIn millions of Rupiah, unless otherwise specified 35. INSTRUMEN KEUANGAN DAN 35. FINANCIAL INSTRUMENTS AND MANAJEMEN RISIKO KEUANGAN FINANCIAL RISK MANAGEMENT Instrumen keuangan Financial instruments Tabel di bawah menunjukkan nilai tercatat dan nilai wajar aset dan liabilitas keuangan, termasuk levelnya dalam hirarki nilai wajar. Informasi di dalam tabel tidak termasuk nilai wajar aset dan liabilitas keuangan yang tidak diukur pada nilai wajar, yang nilai tercatatnya diperkirakan mendekati nilai wajarnya. The following table shows the carrying amounts and fair values of financial assets and liabilities, including their levels in the fair value hierarchy. It does not include fair value information for financial assets and financial liabilities not measured at fair value if the carrying amount is a reasonable approximation of fair value. Nilai tercatatCarrying amount Nilai wajarFair value 31 Desember December 2016 Nilai wajar Fair value Pinjaman yang diberikan dan piutang Loans and receivables Investasi dimiliki hingga jatuh tempo Held-to- maturity investment Liabilitas keuangan yang diukur pada biaya perolehan diamortisasi Financial liabilities measured at amortized cost Level 1 Level 1 Level 2 Level 2 Level 3 Level 3 Aset keuangan yang diukur pada nilai wajarFinancial assets measured at fair value Aset derivatifDerivative assets 76.979 - - - - 79.979 - Aset keuangan yang tidak diukur pada nilai wajarFinancial assets not measured at fair value Kas dan setara kas Cash and cash equivalents - 1.285.079 - - - - - Piutang usahaTrade receivables - 743.662 - - - - - Piutang premiPremium receivables - 89.122 - - - - - Piutang pembiayaan konsumen Consumer financing receivables - 3.664.547 - - - - 3.696.695 Piutang sewa pembiayaan Finance lease receivables - 1.566.887 - - - - 1.598.711 Piutang nonusahaNon-trade receivables - 290.803 - - - - - Investasi di surat berharga Investment in securities 19.710 - 68.398 - 19.710 68.398 - Deposit jaminanGuarantee deposits - 798.145 - - - - - Liabilitas keuangan yang diukur pada nilai wajarFinancial liabilities measured at fair value Liabilitas derivatifDerivative liabilities 53.824 - - - - 53.824 - - Liabilitas keuangan yang tidak diukur pada nilai wajarFinancial liabilities not measured at fair value Utang bank jangka pendek Short-term bank loans - - - 547.043 - - - Utang usahaTrade payables - - - 961.707 - - - Utang reasuransiReinsurance payables - - - 58.538 - - - Utang lainnyaOther payables - - - 204.212 - - - Beban akrualAccrued expenses - - - 90.060 - - - Pinjaman jangka panjang Long-term borrowings - - - 3.746.429 - - - Surat utang jangka menengah Medium Term Notes - - - 299.636 - - - Utang obligasiBonds payable - - - 2.695.855 2.756.960 - - LAPOrAn TAHunAn 2016 | PT MiTRa PinaSThika MuSTika Tbk 330 PT MITRA PINASTHIKA MUSTIKA Tbk DAN ENTITAS ANAK PT MITRA PINASTHIKA MUSTIKA Tbk AND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN TAHUN BERAKHIR 31 DESEMBER 2016 DAN 2015 Lanjutan NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS YEARS ENDED 31 DECEMBER 2016 AND 2015 Continued Dalam jutaan Rupiah, kecuali dinyatakan khususIn millions of Rupiah, unless otherwise specified 35. INSTRUMEN KEUANGAN DAN 35. FINANCIAL INSTRUMENTS AND MANAJEMEN RISIKO KEUANGAN Lanjutan FINANCIAL RISK MANAGEMENT Continued Instrumen keuangan Lanjutan Financial instruments Continued Nilai tercatatCarrying amount Nilai wajarFair value 31 Desember December 2015 Nilai wajar Fair value Pinjaman yang diberikan dan piutang Loans and receivables Liabilitas keuangan yang diukur pada biaya perolehan diamortisasi Financial liabilities measured at amortized cost Level 1 Level 1 Level 2 Level 2 Level 3 Level 3 Aset keuangan yang diukur pada nilai wajarFinancial assets measured at fair value Aset derivativeDerivative assets 72.802 - - - 72.802 - Aset keuangan yang tidak diukur pada nilai wajarFinancial assets not measured at fair value Kas dan setara kasCash and cash equivalents - 1.483.587 - - - - Kas yang dibatasi penggunaannyaRestricted cash - 5.882 - - - - Piutang usahaTrade receivables - 873.856 - - - - Piutang premiPremium receivables - 63.079 - - - - Piutang pembiayaan konsumen Consumer financing receivables - 3.317.050 - - - 2.997.246 Piutang sewa pembiayaan Finance lease receivables - 1.354.026 - - - 1.278.740 Investasi di surat berharga Investment in securities 14.207 - - 14.207 - - Piutang nonusahaNon-trade receivables - 356.290 - - - - Deposit jaminanGuarantee deposits - 753.407 - - - - Liabilitas keuangan yang diukur pada nilai wajarFinancial liabilities measured at fair value Liabilitas derivatifDerivative liabilities 92.299 - - - 92.299 - Liabilitas keuangan yang tidak diukur pada nilai wajarFinancial liabilities not measured at fair value Utang bank jangka pendekShort-term bank loans - - 502.765 - - - Utang usahaTrade payables - - 1.022.392 - - - Utang reasuransiReinsurance payables - - 37.647 - - - Utang lainnyaOther payables - - 281.899 - - - Beban akrualAccrued expenses - - 123.333 - - - Pinjaman jangka panjangLong-term borrowings - - 3.835.035 - - - Utang obligasiBonds payable - - 2.753.847 2.591.115 - - AnnuAL rePOrT 2016 | PT MiTRa PinaSThika MuSTika Tbk 331 PT MITRA PINASTHIKA MUSTIKA Tbk DAN ENTITAS ANAK PT MITRA PINASTHIKA MUSTIKA Tbk AND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN TAHUN BERAKHIR 31 DESEMBER 2016 DAN 2015 Lanjutan NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS YEARS ENDED 31 DECEMBER 2016 AND 2015 Continued Dalam jutaan Rupiah, kecuali dinyatakan khususIn millions of Rupiah, unless otherwise specified 35. INSTRUMEN KEUANGAN DAN 35. FINANCIAL INSTRUMENTS AND MANAJEMEN RISIKO KEUANGAN Lanjutan FINANCIAL RISK MANAGEMENT Continued Instrumen keuangan Lanjutan Financial instruments Continued Tabel di bawah ini menunjukkan teknik penilaian yang digunakan dalam mengukur nilai wajar level 2 dan level 3, termasuk input tidak terobservasi signifikan yang digunakan dalam penilaian, jika ada. The following tables show the valuation techniques used in measuring level 2 and level 3 fair values, as well as any significant unobservable inputs used. a. Instrumen keuangan yang diukur pada nilai wajar. a. Financial instruments measured at fair values. JenisType Teknik penilaianValuation technique Input tidak terobservasi yang signifikanSignificant unobservable inputs Keterkaitan antara input tidak terobservasi yang signifikan dengan pengukuran nilai wajarInter-relationship between significant unobservable inputs and fair value measurement Kontrak foreign currency optionForeign currency option contract Model penilaian opsi: Nilai wajar dihitung dengan mempertimbangkan, antara lain, kurs di tanggal pelaporan, volatilitas harga dipasar, dan suku bunga bebas risiko.Option pricing model: The fair value are calculated by considering, among others, exchange rates at reporting date, volatility prices at market, and risk- free interest rates. Tidak berlaku Not applicable Tidak berlaku Not applicable Kontrak cross currency-interest swap dan kontrak interest rate swapCross currency-interest rate swap and interest rates swap contracts Teknik pendekatan penghasilan: Nilai wajar didasarkan pada model nilai kini neto dan arus kas terdiskonto, dibandingkan dengan instrumen sejenis yang harga pasarnya dapat di observasi. Asumsi dan input yang digunakan dalam teknik penilaian adalah termasuk tingkat bunga bebas risiko dan suku bunga pembanding dan credit spread yang digunakan dalam prakiraan tingkat diskonto premium, harga obligasi dan nilai valuta asing. Income approach technique: The fair values are based on net present value and discounted cash flow models, comparison with similar instruments for which market observable prices exist and other valuation models. Assumptions and inputs used in valuation techniques include risk- free and benchmark interest rates and credit spreads used in estimation discount rates, bond prices and foreign currency exchange rates. Tidak berlaku Not applicable Tidak berlaku Not applicable LAPOrAn TAHunAn 2016 | PT MiTRa PinaSThika MuSTika Tbk 332 PT MITRA PINASTHIKA MUSTIKA Tbk DAN ENTITAS ANAK PT MITRA PINASTHIKA MUSTIKA Tbk AND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN TAHUN BERAKHIR 31 DESEMBER 2016 DAN 2015 Lanjutan NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS YEARS ENDED 31 DECEMBER 2016 AND 2015 Continued Dalam jutaan Rupiah, kecuali dinyatakan khususIn millions of Rupiah, unless otherwise specified 35. INSTRUMEN KEUANGAN DAN 35. FINANCIAL INSTRUMENTS AND MANAJEMEN RISIKO KEUANGAN Lanjutan FINANCIAL RISK MANAGEMENT Continued Instrumen keuangan Lanjutan Financial instruments Continued b. Instrumen keuangan yang tidak diukur pada nilai wajar b. Financial instruments not measured at fair values JenisType Teknik penilaianValuation technique Piutang pembiayaan konsumenConsumer financing receivables Piutang sewa pembiayaanFinance lease receivables Arus kas terdiskonto: Model penilaian berdasarkan nilai kini pelunasan yang diharapkan, didiskontokan menggunakan tingkat diskonto yang telah disesuaikan dengan risiko Grup. Bila tingkat diskonto naik, nilai wajar turun. Discounted cash flows: The valuation model considers the present value of expected collections, discounted using the Group’s risk- adjusted discount rate. If the discount rate increases, the fair values decrease. Manajemen risiko keuangan Financial risk management Risiko utama yang timbul dari instrumen keuangan Grup adalah risiko kredit, risiko likuiditas, risiko suku bunga, dan risiko nilai tukar mata uang asing. The main risks arising from the financial instruments of the Group are credit risk, liquidity risk, interest rate risk, and foreign exchange risk. a. Risiko kredit a. Credit risk Risiko kredit Grup timbul terutama dari risiko kerugian jika pelanggan gagal memenuhi kewajiban kontraktualnya. The credit risk of the Group mainly arises from risk of losses if customers fail to discharge their contractual obligations. Dalam manajemen risiko kredit pelanggan, yang sebagian besar berasal dari aktivitas pembiayaan, Grup menerapkan kebijakan pemberian kredit berdasarkan prinsip kehati-hatian, melakukan pengawasan atas portofolio kredit secara berkesinambungan, dan melakukan pengelolaan penagihan angsuran piutang. To manage the risk of customer credit, which mainly originated from financing activities, the Group applies prudent credit acceptance policies, performs ongoing credit portfolio monitoring, and manages receivable collection. Grup memperoleh jaminan berupa kendaraan bermotor dari piutang pembiayaan konsumen. Untuk pelanggan yang merupakan sub-dealer dan pengecer, Grup menganjurkan mereka untuk mengikuti program “dealer financing”, memutuskan untuk tidak mengikuti program ini, Grup mengharuskan mereka untuk menempatkan jaminan berupa simpanan di bank danatau jaminan lainnya. The Group obtains collateral in the form of motor vehicles for its consumer financing receivables. For customers that are sub-dealers and retailers, the Group encourages them to join the dealer financing program, in which this program will expedite the settlements of their receivables. If they decide to not join the program, the Group requires them to place collateral in the form of term deposits andor other types of collateral. Untuk menghindari konsentrasi risiko, Bank dan setara kas ditempatkan di beberapa lembaga keuangan yang memiliki reputasi yang baik. To avoid concentration of risk, cash in banks and cash equivalents is deposited at several financial institutions of good standing. Untuk aset keuangan yang diakui di laporan posisi keuangan konsolidasian, ekposur akhir terhadap risiko kredit sama dengan nilai tercatat. For financial assets recognized in the consolidated statement of financial position, the ultimate exposure to credit risk is equal to their carrying amounts. AnnuAL rePOrT 2016 | PT MiTRa PinaSThika MuSTika Tbk 333 PT MITRA PINASTHIKA MUSTIKA Tbk DAN ENTITAS ANAK PT MITRA PINASTHIKA MUSTIKA Tbk AND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN TAHUN BERAKHIR 31 DESEMBER 2016 DAN 2015 Lanjutan NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS YEARS ENDED 31 DECEMBER 2016 AND 2015 Continued Dalam jutaan Rupiah, kecuali dinyatakan khususIn millions of Rupiah, unless otherwise specified 35. INSTRUMEN KEUANGAN DAN 35. FINANCIAL INSTRUMENTS AND MANAJEMEN RISIKO KEUANGAN Lanjutan FINANCIAL RISK MANAGEMENT Continued Manajemen risiko keuangan Lanjutan Financial risk management Continued a. Risiko kredit Lanjutan

a. Credit risk Continued

Konsentrasi risiko kredit dari aset keuangan Grup per 31 Desember 2016 dan 2015 berdasarkan segmen operasi adalah seperti yang ditunjukkan dibawah ini: The concentration of credit risk of the Group’s financial assets based on operating segment as at 31 December 2016 and 2015 was as shown below: Nilai tercatatCarrying amount Distribusi Distribution Consumer parts Servis otomotif Automotive service Jasa keuangan Financial services Yang tidak dapat dialokasi Unallocated JumlahTotal 31 Desember 2016 31 December 2016 Bank dan setara kas 134.123 229.142 55.206 285.507 567.322 1.271.300 Cash in banks and cash equivalents Piutang usaha 216.756 220.932 274.993 30.981 - 743.662 Trade receivables Piutang premi - - - 89.122 - 89.122 Premium receivables Piutang pembiayaan konsumen - - - 3.664.547 - 3.664.547 Consumer financing receivables Piutang sewa pembiayaan - - - 1.566.887 - 1.566.887 Finance lease receivables Piutang nonusaha 13.162 5.016 20.131 238.223 14.271 290.803 Non-trade receivables Investasi di surat berharga - - - 88.108 - 88.108 Investment in securities Aset derivatif - 799 - 21.984 54.196 76.979 Derivative assets Deposit jaminan 796.589 31 - - 1.525 798.145 Guarantee deposits 1.160.630 455.920 350.330 5.985.359 637.314 8.589.553 31 Desember 2015 31 December 2015 Bank dan setara kas 246.432 318.660 410.936 317.151 179.989 1.473.168 Cash in banks and cash equivalents Kas yang dibatasi penggunaannya - - - 5.882 - 5.882 Restricted cash Piutang usaha 401.887 200.403 264.614 6.952 - 873.856 Trade receivables Piutang premi - - - 63.079 - 63.079 Premium receivables Piutang pembiayaan konsumen - - - 3.317.050 - 3.317.050 Consumer financing receivables Piutang sewa pembiayaan - - - 1.354.026 - 1.354.026 Finance lease receivables Piutang nonusaha 19.703 2.007 33.587 300.390 603 356.290 Non-trade receivables Efek-efek untuk tujuan investasi - - - 14.207 - 14.207 Investment in securities Aset derivatif - 111 17.045 55.646 - 72.802 Derivative assets Deposit jaminan 743.209 11 8.660 - 1.527 753.407 Guarantee deposits 1.411.231 521.192 734.842 5.434.383 182.119 8.283.767 Pembagian aset keuangan berdasarkan kualitas kreditnya disajikan di bawah ini: Distribution of financial assets by their credit quality is summarized below: Tidak ada jatuh tempo kontraktualNo contractual maturity Belum jatuh tempo dan tidak mengalami penurunan nilaiNeither past due nor impaired Telah jatuh tempo tetapi tidak mengalami penurunan nilaiPast due but not impaired Dievaluasi secara kolektif Collectively assessed Dievaluasi secara individu Individually assessed Penyisihan penurunan nilai Allowance for impairment losses Jumlah Total 31 Desember 2016 31 December 2016 Bank dan setara kas 798.295 473.005 - - - - 1.271.300 Cash in banks and cash equivalents Piutang usaha - 479.110 264.552 - 37.135 37.135 743.662 Trade receivables Piutang premi - 72.016 17.106 - 739 739 89.122 Premium receivables Piutang pembiayaan konsumen - - - - - 3.785.236 - 120.689 3.664.547 Consumer financing receivables s Piutang sewa pembiayaan - - - - 1.586.375 - 19.488 1.566.887 Finance lease receivables Piutang nonusaha - 129.030 - 228.784 - 67.011 290.803 Non-trade receivables Investasi di surat berharga 19.710 68.398 - - - - 88.108 Investment in securities Aset derivatif - 76.979 - - - - 76.979 Derivative assets Deposit jaminan - 798.145 - - - - 798.145 Guarantee deposits 818.005 2.096.683 281.658 5.600.395 37.874 245.062 8.589.553 LAPOrAn TAHunAn 2016 | PT MiTRa PinaSThika MuSTika Tbk 334 PT MITRA PINASTHIKA MUSTIKA Tbk DAN ENTITAS ANAK PT MITRA PINASTHIKA MUSTIKA Tbk AND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN TAHUN BERAKHIR 31 DESEMBER 2016 DAN 2015 Lanjutan NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS YEARS ENDED 31 DECEMBER 2016 AND 2015 Continued Dalam jutaan Rupiah, kecuali dinyatakan khususIn millions of Rupiah, unless otherwise specified 35. INSTRUMEN KEUANGAN DAN 35. FINANCIAL INSTRUMENTS AND MANAJEMEN RISIKO KEUANGAN Lanjutan FINANCIAL RISK MANAGEMENT Continued Manajemen risiko keuangan Lanjutan Financial risk management Continued a. Risiko kredit Lanjutan

a. Credit risk Continued

Ikhtisar analisis umur piutang usaha, piutang premi, piutang pembiayaan konsumen, piutang sewa pembiayaan dan piutang nonusaha yang telah jatuh tempo tetapi tidak mengalami penurunan nilai, dievaluasi penurunan nilai secara kolektif dan secara individu: Summary of aging analysis of trade receivables, premium receivables, consumer financing receivables, finance lease receivables and non-trade receivables which are past due but not impaired, collectively and individually assessed: Definisi dari kualitas kredit Grup adalah sebagai berikut: The Group’s credit quality definitions are as follow:  Belum jatuh tempo dan tidak mengalami penurunan nilai: eksposur menunjukkan laba yang tinggi atau stabil, likuiditas yang memadai, yang secara umum direfleksikan dengan pembayaran komitmen terhadap Grup secara tepat waktu. Sumber pembayaran dapat diidentifikasikan secara jelas.  Neither past due nor impaired: exposure exhibit high or stable earnings, adequate liquidity, as generally evidenced by prompt repayment of its commitment with the Group. Source of payment can be clearly identifiable. Tidak ada jatuh tempo kontraktualNo contractual maturity Belum jatuh tempo dan tidak mengalami penurunan nilaiNeither past due nor impaired Telah jatuh tempo tetapi tidak mengalami penurunan nilaiPast due but not impaired Dievaluasi secara kolektif Collectively assessed Dievaluasi secara individu Individually assessed Penyisihan penurunan nilai Allowance for impairment losses Jumlah Total 31 Desember 2015 31 December 2015 Bank dan setara kas 660.015 813.153 - - - - 1.473.168 Cash in banks and cash equivalents Kas yang dibatasi penggunaanya 5.882 - - - - 5.882 Restricted cash Piutang usaha - 358.895 511.956 3.005 26.167 26.167 873.856 Trade receivables Piutang premi - 63.079 - - - - 63.079 Premium receivables Piutang pembiayaan konsumen - - - 3.425.218 - 108.168 3.317.050 Consumer financing receivables s Piutang sewa pembiayaan - - - 1.359.388 - 5.362 1.354.026 Finance lease receivables Piutang nonusaha 14.222 92.248 33.677 219.979 - 3.836 356.290 Non-trade receivables Investasi di surat berharga 14.207 - - - - - 14.207 Investment in securities Aset derivatif - 72.802 - - - - 72.802 Derivative assets Deposit jaminan 14.854 738.553 - - - - 753.407 Guarantee deposits 703.298 2.144.612 545.633 5.007.590 26.167 143.533 8.283.767 3 bulan months 3 – 12 bulan months 1 tahun year Jumlah Total 31 Desember 2016 31 December 2016 Piutang usaha 137.251 164.436 - 301.687 Trade receivables Piutang premi 13.937 3.908 - 17.845 Premium receivables Piutang pembiayaan konsumen 3.658.960 126.276 - 3.785.236 Consumer financing receivables Piutang sewa pembiayaan 1.561.411 24.964 - 1.586.375 Finance lease receivables Piutang nonusaha 69.103 89.026 70.655 228.784 Non-trade receivables 5.440.662 408.610 70.655 5.919.927 31 Desember 2015 31 December 2015 Piutang usaha 347.576 73.391 120.161 541.128 Trade receivables Piutang pembiayaan konsumen 3.278.455 69.684 77.079 3.425.218 Consumer financing receivables Piutang sewa pembiayaan 1.348.388 3.432 7.568 1.359.388 Finance lease receivables Piutang nonusaha 84.979 97.780 70.897 253.656 Non-trade receivables 5.059.398 244.287 275.705 5.579.390