ALLOWANCEREVERSAL FOR IMPAIRMENT LOSSESOF FINANCIAL ASSETS

NOTES TO FINANCIAL STATEMENTS SEPTEMBER 30, 2015, AND 2014 AND DECEMBER 31, 2014 Expressed in million Rupiah, unless otherwise stated Continued - 97 - 30 September 31 Desember September 2015 December 2014 Rp Juta Rp Juta Rp Million Rp Million KOMITMEN COMMITMENTS Liabilitas komitmen: Commitment payables: Fasilitas pinjaman yang diberikan yang belum digunakan 11,070 2,118,817 Unused loan facility Irrevocable letters of credit yang Outstanding irrevocable masih berjalan 181,179 283,992 letters of credit KONTINJENSI CONTINGENCIES Tagihan kontinjensi: Contingencies receivables: Garansi yang diterima 1,131,099 964,781 Received guarantee Pendapatan bunga Interest receivable on dalam penyelesaian 48,918 40,254 non-performing assets Liabilitas kontinjensi: Contingencies payables: Bank garansi yang diterbitkan 268,674 326,031 Bank guarantees issued Bersih 1,543,104 1,723,805 Net Semua irrevocable letters of credit yang masih berjalan dan bank garansi yang diterbitkan memiliki kolektibilitas lancar. Alloutstandingirrevocablelettersofcreditand issued bank guarantees are categorised as current. Bank tidak memiliki bank garansi dengan pihak berelasi pada tanggal 30 September 2015 dan 31 Desember 2014. There is no bank guarantees with related party as of September 30, 2015 and December 31, 2014, respectively. Bank mengeluarkan bank garansi sebagai perjanjian penanggungan, dimana bank bertindak sebagai penanggung bagi nasabah yang menjadi debitur dalam mengadakan suatu perjanjian dengan pihak lain sebagai kreditur. The Bank issued bank guarantees as underwriting agreements, in which the Bank acts as a guarantor for the customers, becoming a debtor bound in an agreement with other parties as the creditors. 41. JASA KUSTODIAN 41. CUSTODIALSERVICES Berdasarkan Surat Keputusan Otoritas Jasa Keuangan dahuluBAPEPAM-LKNo.KEP- 01BLKstd2007 tanggal 12 September 2007, Bank telah memperoleh izin untuk memberikan jasa kustodian dan telah melakukan kegiatan operasionalnya sejak tanggal 8 Oktober 2007. Based on the Financial Service Authority previouslyBapepam-LK Decision Letter No. KEP-01BLKstd2007 dated September12, 2007, the Bank obtained an approval to provide custodial services and has commenced its operational on October 8, 2007. Bank memberikan jasa-jasa kustodian, antara lain, pengadministrasian surat-surat berharga, pengadministrasian dana dan laporan dan informasi. The Bank provides the following custodial services administration of securities, administration of funds and report and information. NOTES TO FINANCIAL STATEMENTS SEPTEMBER 30, 2015, AND 2014 AND DECEMBER 31, 2014 Expressed in million Rupiah, unless otherwise stated Continued - 98 - 42. SEGMEN OPERASI

42. OPERATING SEGMENTS

Bank memiliki lima pelaporan segmen. Di bawah ini merupakan penjelasan mengenai operasi dari masing-masing pelaporan segmen yang dimiliki oleh Bank: The Bank has five reportable segments. The following describes the operations in each of the Bank‟s reportable segments:  Pensiunan – termasuk pinjaman yang diberikan kepada nasabah pensiunan.  Pensioner – includes loans disbursed to pensioners debtor.  Pegawai – termasuk pinjaman yang diberikan kepada nasabah pegawai pemerintahan.  Employee – includes loans disbursed to government employees  Komersial – termasuk pinjaman yang diberikan untuk nasabah komersial seperti koperasi,multifinance dan lain-lain.  Commercial – includes loans disbursed to commercialdebtorssuch ascooperation,multifinance and others.  Tresuri – segmeniniterkaitdengankegiatan tresuri Bank termasuk transaksi money market dan investasi dalam bentuk penempatan dan efek-efek.  Treasury –undertakestheBank‟streasury activities which include money market andinvestment in placements and securities.  Pendanaan – segmen ini terkait dengan kegiatan pendanaan Bank termasuk transaksi dana pihak ketiga, obligasi dan lain-lain  Funding – undertakes the Bank‟s funding activities which include third party fund, bonds and others.  Lain-lain – termasuk di dalam lain-lain adalah informasi segmen sehubungan dengan aktifitas kantor pusat seperti aktivitas back office, jasa trade finance dan lain-lain.  Others – includesintheothersisreporting segment information associated with head office activities such as all back office processes, tradefinance services and others. Dalam segmen operasi ini, Bank menggunakan pendapatan bunga sebagai parameter utama dalam menentukan hasil operasi dari masing- masing segmen. In this operating segment, the Bank uses interest income as the key parameter in determining the operation result of each segment. Pensiunan Pegawai Komersial Tresuri Pendanaan Lain-lain Jumlah Pensioner Employee Commercial Treasury Funding Others Total Rp Juta Rp Juta Rp Juta Rp Juta Rp Juta Rp Juta Rp Juta Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million Pendapatan bunga 540,182 179,931 322,452 86,546 5,528 11,353 1,145,992 Interest revenues Beban bunga 3,912 3,042 550,802 28,808 586,564 Interest expenses Pendapatan bunga - bersih 540,182 179,931 318,540 83,504 545,274 17,455 559,428 Interest revenues - net Aset 5,153,273 1,440,193 3,863,072 3,534,856 - 5,336,652 19,328,046 Assets Liabilitas 732,500 - 11,031,425 3,493,824 15,257,749 Liabilities 30 SeptemberSeptember 2015 Pensiunan Pegawai Komersial Tresuri Pendanaan Lain-lain Jumlah Pensioner Employee Commercial Treasury Funding Others Total Rp Juta Rp Juta Rp Juta Rp Juta Rp Juta Rp Juta Rp Juta Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million Pendapatan bunga - - 163,288 16,435 8,273 10,599 198,595 Interest revenues Beban bunga - - 527 308 24,197 - 25,032 Interest expenses Pendapatan bunga - bersih - - 162,761 16,127.00 15,924.00 10,599.00 173,563 Interest revenues - net Aset - - 4,399,759 1,519,255 - 356,193 6,275,207 Assets Liabilitas - - - - 3,959,523 536,235 4,495,758 Liabilities 30 SeptemberSeptember 2014