LIABILITAS IMBALAN KERJA lanjutan EMPLOYEES BENEFIT LIABILITIES continued

bk 4.372.164.595 2.012.636.483 s 7.022.591.175 5.028.420.654 s 105.277.523.779 78.153.676.747 it 528.752.079 341.770.977 ank gs 1.251.180 475.479.224 s khir d ns 2.368.605.706 1.832.215.634 s 2.468.870.587 2.126.540.087 l lain s, 38.880.334 11.832.803.832 s 1.371.132.500 956.124.020 al 994.214.600 .170.324 s 610.287.545 619.880.874 me - 10.129.350 s 25.037.375.305 19.222.994.366 al ksi d of s - n 2.791.601.236 2.483.866.342 rs - n 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 59 28. BEBAN UMUM DAN ADMINISTRASI 28. GENERAL AND ADMINISTRATIVE EXPENSES 2015 2014 Penyusutan Catatan 10 4.927.225.674 2.979.336.077 Depreciation Note 10 Asuransi Penjaminan Dana Pihak Ketiga 2.788.036.034 1.778.765.550 Insurance Guarantee Fund Third Parties Pemeliharaan dan Perbaikan 2.563.117.225 1.622.237.022 Maintenance and Repair Sewa Gedung 2.065.357.577 1.519.043.039 Building rents Sewa Aplikasi Sistem 1.760.879.507 1.390.171.800 Lease Application System Pendidikan dan seminar 1.342.203.428 412.683.626 Education and seminars Asuransi Tenaga Kerja dan Aset Tetap 1.182.865.245 757.589.144 Insurance Labor and Fixed Assets Listrik, Air dan Komunikasi 1.643.003.820 1.253.423.031 Electricity, Water and Communication Komunikasi BIKoresponden 1.028.237.308 685.591.669 Coresspondence Bank Indonesia Expenses Biaya Sewa 1.047.216.219 660.174.874 Rent Expenses Pungutan tahunan OJK Perbankan 947.255.513 - Bank Annual OJK Levy Iuran Keanggotaan ATM 862.824.634 - Automation services Iklan dan Reklame 768.012.700 784.662.339 Commercials and Advertising Barang Cetakan 510.059.615 364.052.676 Printed Forms Lain-lain 3.633.163.778 3.857.099.868 Others Jumlah 27.069.458.277 18.064.830.715 Total Termasuk dalam lain-lain adalah antara lain beban jasa profesional dan iuran perbanas serta perjalanan dinas. Included in the other are among other professional fees and dues perbanas and business travel.

29. PEMBENTUKANCADANGAN KERUGIAN PENURUNAN NILAI

29. ALLOWANCE FOR IMPAIRMENT LOSSES 2015

2014 Pembentukan cadangan kerugian penurunan nilai atas: Additionalallowance for impairment losses on: - Pinjaman yang diberikan 268.592.258 260.212.411 - Loans Jumlah 268.592.258 260.212.411 Total 30. PENDAPATANBEBAN BUKAN OPERASIONAL 30. INCOMEEXPENSES NON-OPERATIONAL 2015 2014 Pendapatan bukan operasional 2.390.840.904 1.155.745.500 Non-Operating Income Beban bukan operasional 286.524.800 103.661.165 Non-Operating Expenses Jumlah 2.104.316.104 1.052.084.335 Total 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 60 31. LABA PER LEMBAR SAHAM 31. EARNING PER SHARES Laba bersih per saham dihitung dengan membagi laba bersih kepada pemegang saham dengan rata-rata tertimbang jumlah saham biasa yang beredar pada tahun bersangkutan dengan mempertimbangkan rekonsiliasi faktor-faktor tertentu karena pengaruh pemecahan saham. Earnings per share is computed by dividing net income to shareholders by the weighted average number of ordinary shares outstanding during the year by considering the reconciliation of certain factors as the effect of the stock split. 2015 2014 Laba bersih tahun berjalan kepada a 14.019.135.373 3.071.000.171 Net profit for the year to a Rata-rata tertimbang jumlah saham yang beredar The weighted average number of shares outstanding 1 Januari 2014 Modal ditempat dan disetor penuh Rp175.000.000.000 dengan nilai nominal Rp100 - 1.750.000.000 January 1, 2014 in place and fully paid-up capital Rp175,000,000,000 with a nominal value of Rp100 11 Juli 2014 Penambahan setoran modal 500.000.000 saham dengan nilai nominal Rp100, sehingga modal menjadi Rp225.000.000.000 dengan nilai nominal Rp100 - 2.250.000.000 July 11, 2014 The increase in capital of 500,000,000 shares with a nominal value of Rp100, so that become Rp225,000,000,000 capital with a nominal value of Rp100 Rata-rata tertimbang saham beredar tahun 2014 2.000.000.000 Weighted average number shares of shares in 2014 Rata-rata tertimbang saham beredar tahun 2015 2.250.000.000 Weighted average number shares of shares in 2015 Laba per lembar saham 6,23 1,54 Basic Earnings per shares 32. KOMITMEN DAN KONTINJENSI

32. COMMITMENTS AND CONTINGENCIES 2015

2014 Liabilitas komitmen Liability commitments - Fasilitas pinjaman yang belum digunakan 218.923.298.672 169.331.861.073 - Loan facilities not yet used - Lainnya 11.654.177.049 19.475.065.216 - Others Liabilitas komitmen – bersih 230.577.475.721 188.806.926.289 Liability commitments – net 2015 2014 Tagihan kontinjensi Contigent receivables - Pendapatan bunga dalam penyelesaian 337.268.571 369.523.101 - Interest in progress - Aset produktif yang dihapusbukukan 5.274.208.124 5.274.208.124 - Earning assets writen off Liabilitas kontinjensi Contigent liabilities - Garansi yang diberikan 28.514.388.942 41.822.896.004 - Guarantees issued Tagihan kontinjensi – bersih 34.125.865.637 47.466.627.229 Contingent receivables - net KomitmenKontinjensi - bersih 196.451.610.084 141.340.299.060 CommitmentsContingencies - net