ASET TETAP FIXED ASSETS

PT BANK ARTHA GRAHA INTERNASIONAL Tbk CATATAN ATAS LAPORAN KEUANGAN Tanggal 31 Desember 2015 dan Untuk Tahun yang Berakhir pada Tanggal Tersebut Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain PT BANK ARTHA GRAHA INTERNASIONAL 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 85 18. SIMPANAN NASABAH 18. CUSTOMER DEPOSITS Simpanan nasabah terdiri dari: Customer deposits consist of: 2015 2014 Pihak berelasi Related parties Giro 93.035 86.963 Demand deposits Tabungan 13.174 5.952 Savings deposits Deposito berjangka 1.001.010 1.007.631 Time deposits Jumlah pihak berelasi 1.107.219 1.100.546 Total related parties Pihak ketiga Third parties Giro 3.030.415 2.912.030 Demand deposits Tabungan 1.377.029 1.253.393 Savings deposits Deposito berjangka 15.957.302 14.307.573 Time deposits Jumlah pihak ketiga 20.364.746 18.472.996 Total third parties Jumlah 21.471.965 19.573.542 Total Berdasarkan Undang-Undang No. 24 tanggal 22 September 2004, efektif tanggal 22 September 2005, Lembaga Penjamin Simpanan LPS dibentuk untuk menjamin liabilitas tertentu bank-bank umum berdasarkan program penjaminan yang berlaku. Based on Law No. 24 dated September 22, 2004, which effective on September 22, 2005, the Deposit Insurance Corporation DIC was established to guarantee certain liabilities of commercial banks under the prevailing guarantee program. Sesuai dengan Peraturan Pemerintah No. 66 Tahun 2008 tanggal 13 Oktober 2008 tentang “Besaran Nilai Simpanan yang Dijamin Lembaga Penjamin Simpanan” maka nilai simpanan setiap nasabah pada satu bank yang dijamin oleh Pemerintah naik dari Rp 100 juta nilai penuh menjadi Rp 2 miliar nilai penuh, efektif sejak tanggal tersebut di atas. Based on Government Regulation No. 66 Year 2008 dated October 13, 2008 regarding “The Savings Amount Guaranteed by the Deposit Insurance Corpo ration”, the savings amount for each customer in a bank which is guaranteed by the Government increased from Rp 100 million full amount to Rp 2 billion full amount, effective on the date stated above. Tingkat suku bunga penjaminan LPS untuk simpanan dalam Rupiah dan Dolar Amerika Serikat masing-masing adalah sebesar 7,50 dan 1,25 pada tanggal 31 Desember 2015 dan 7,75 dan 1,50 pada tanggal 31 Desember 2014. The interest rate guarantee of DIC for deposits in Rupiah and United States Dollar were 7.50 and 1.25 as of December 31, 2015 and 7.75 and 1.50 as of December 31, 2014. a. Giro

a. Demand Deposits 2015

2014 Rupiah Rupiah Pihak berelasi 81.571 82.063 Related parties Pihak ketiga 2.315.183 2.219.081 Third parties Jumlah Rupiah 2.396.754 2.301.144 Total Rupiah Mata Uang Asing Foreign Currencies Pihak berelasi 11.464 4.900 Related parties Pihak ketiga 715.232 692.949 Third parties Jumlah Mata Uang Asing 726.696 697.849 Total Foreign Currencies Jumlah 3.123.450 2.998.993 Total Pada tanggal 31 Desember 2015 dan 2014, tidak terdapat giro yang dijadikan jaminan atas kredit yang diberikan. As of December 31, 2015 and 2014, there are no demand deposits used as collateral for loans granted. PT BANK ARTHA GRAHA INTERNASIONAL Tbk CATATAN ATAS LAPORAN KEUANGAN Tanggal 31 Desember 2015 dan Untuk Tahun yang Berakhir pada Tanggal Tersebut Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain PT BANK ARTHA GRAHA INTERNASIONAL 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 86 18. SIMPANAN NASABAH lanjutan 18. CUSTOMER DEPOSITS continued b. Tabungan b. Savings Deposits i Berdasarkan mata uang dan pihak i By currency and party 2015 2014 Rupiah Rupiah Pihak berelasi 13.174 5.952 Related parties Pihak ketiga 1.377.029 1.253.393 Third parties Jumlah Rupiah 1.390.203 1.259.345 Total Rupiah ii Berdasarkan jenis ii By type 2015 2014 Tabungan Artha 1.139.305 937.318 Tabungan Artha Tabungan Pratamax 200.869 274.820 Tabungan Pratamax Tabungan Prestasi Gemilang 32.332 26.739 Tabungan Prestasi Gemilang Tabunganku 11.893 10.708 Tabunganku Tabungan Artha Care 3.429 7.529 Tabungan Artha Care Tabungan Prega Edusave 2.375 2.231 Tabungan Prega Edusave e Jumlah 1.390.203 1.259.345 Total Pada tanggal 31 Desember 2015 dan 2014, tidak terdapat tabungan yang dijadikan jaminan tunai atas kredit yang diberikan. As of December 31, 2015 and 2014, there are no savings deposits used as cash collateral for loans granted. c. Deposito Berjangka c. Time Deposits i Berdasarkan mata uang dan pihak i By currency and party 2015 2014 Rupiah Rupiah Pihak berelasi 704.185 655.656 Related parties Pihak ketiga 12.783.165 11.916.693 Third parties Jumlah Rupiah 13.487.350 12.572.349 Total Rupiah Mata Uang Asing Foreign Currencies Pihak berelasi 296.825 351.975 Related parties Pihak ketiga 3.174.137 2.390.880 Third parties Jumlah Mata Uang Asing 3.470.962 2.742.855 Total Foreign Currencies Jumlah 16.958.312 15.315.204 Total ii Berdasarkan periode deposito berjangka ii By time deposits period 2015 2014 Rupiah Rupiah 1 bulan 8.138.127 8.284.444 1 month 3 bulan 4.290.342 2.720.460 3 months 6 bulan 483.296 1.037.361 6 months 12 bulan 575.586 530.084 12 months Jumlah Rupiah 13.487.351 12.572.349 Total Rupiah