PENDAPATAN BUNGA - NETO NET INTEREST INCOME

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 107 35. KOMITMEN DAN KONTINJENSI lanjutan 35. COMMITMENTS AND CONTINGENCIES continued Jumlah fasilitas kredit uncommitted Bank kepada nasabah yang belum digunakan pada tanggal 31 Desember 2015 dan 2014 adalah masing- masing sebesar Rp2.957.752 dan Rp2.060.151. The Bank’s unused loan facilities uncommitted granted to customers as of December 31, 2015 and 2014 were amounted to Rp2,957,752 and Rp2,060,151, respectively. Pada tanggal 31 Desember 2015 dan 2014, jangka waktu untuk Letter of Credit LC adalah sekitar 1 bulan sampai dengan 6 bulan, sedangkan jangka waktu untuk bank garansi yang diterbitkan masing- masing berkisar antara 1 bulan sampai dengan 1 tahun dan 90 hari sampai dengan 3 tahun. As of December 31 2015 and 2014, the term of Letters of Credit LC were approximately 1 month to 6 months, while the term of bank guarantees issued ranged between 1 month to 1 years and 90 days to 3 years, respectively. 36. ASET DAN LIABILITAS DALAM VALUTA ASING 36. ASSETS AND LIABILITIES DENOMINATED IN FOREIGN CURRENCIES 31 DesemberDecember 31 2015 2014 Valuta Valuta asing dalam asing dalam Nilai penuh Nilai penuh Foreign Foreign currencies Ekuivalen Rp currencies Ekuivalen Rp in full amount Equivalent Rp in full amount Equivalent Rp Aset Assets Kas Cash Dolar Amerika Serikat 306.244 4.221 266.774 3.304 United States Dollar Dolar Singapura 11.436 112 44.393 416 Singapore Dollar Dolar Australia 15.207 153 10.550 107 Australian Dollar Yen Jepang 1.254.515 144 - - Japanese Yen Euro Eropa 18.734 282 8.965 135 European Euro Riyal Qatar 22.575 213 27.600 94 Qatari Riyal Poundsterling Inggris 4.520 68 - - Great British Poundsterling Giro pada Bank Indonesia Current accounts with Bank Indonesia Dolar Amerika Serikat 52.500.000 723.712 42.300.000 523.885 United States Dollar Giro pada bank-bank lain Current accounts with other banks - Pihak berelasi Related party - Riyal Qatar 45.427 172 58.214 198 Qatari Riyal - Pihak ketiga Third parties - Euro Eropa 29.483 444 144.940 2.182 European Euro Dolar Amerika Serikat 980.796 13.520 2.308.760 28.593 United States Dollar Dolar Australia 182.819 1.843 70.834 719 Australian Dollar Dolar Singapura 928.119 9.057 941.480 8.827 Singapore Dollar Dolar Hong kong 242.328 431 272.144 435 Hong Kong Dollar Yen Jepang 16.276.963 1.864 5.420.416 562 Japanese Yen Poundsterling Inggris 102.821 2.102 57.530 1.110 Great British Poundsterling Dolar Selandia Baru 13.417 127 8.973 87 New Zealand Dollar Swiss Perancis 12.382 172 12.382 155 Swiss Frenc Baht 1.302.854 498 - - Thailand Baht Penempatan pada Bank Indonesia Placements with Bank Indonesia dan bank-bank lain and other banks Dolar Amerika Serikat 103.600.000 1.428.126 135.000.000 1.671.975 United States Dollar Tagihan akseptasi Acceptances receivable Dolar Amerika Serikat 4.484.678 61.821 4.258.292 52.739 United States Dollar Kredit yang diberikan Loans Dolar Amerika Serikat 530.600.312 7.314.325 381.469.083 4.724.608 United States Dollar Efek-efek Securities Dolar Amerika Serikat - - - - United States Dollar Aset lain-lain Other assets Dolar Amerika Serikat 1.179.955 16.266 1.318.143 16.325 United States Dollar Yen Jepang - - Japanese Yen Total aset 9.579.673 7.036.456 Total assets 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 108

36. ASET DAN LIABILITAS DALAM VALUTA ASING lanjutan

36. ASSETS AND LIABILITIES DENOMINATED IN FOREIGN CURRENCIES continued

31 DesemberDecember 31 2015 2014 Valuta Valuta asing dalam asing dalam Nilai penuh Nilai penuh Foreign Foreign currencies Ekuivalen Rp currencies Ekuivalen Rp in full amount Equivalent Rp in full amount Equivalent Rp Liabilitas Liabilities Liabilitas segera Liabilities payable on demand Euro Eropa 176 3 3.687 56 European Euro Dolar Amerika Serikat 13.453.584 185.458 13.990.110 173.268 United States Dollar Dolar Australia 731 7 2.194 22 Australian Dollar Dolar Singapura 4.604 45 7.815 73 Singapore Dollar Yen Jepang - - 120.346 13 Japanese Yen Poundsterling Inggris 29 1 140 3 Great British Poundsterling Simpanan dari nasabah Deposits from customers - Pihak berelasi Related parties - Euro Eropa - - - - European Euro Dolar Amerika Serikat 33.545.771 462.429 13.067.412 161.840 United States Dollar Dolar Australia - - 70.034 711 Australian Dollar - Pihak ketiga Third parties - Euro Eropa 1.371.164 20.645 2.160.828 32.528 European Euro Dolar Amerika Serikat 381.396.261 5.257.548 373.591.149 4.626.927 United States Dollar Dolar Australia 2.681.945 27.044 3.724.349 37.795 Australian Dollar Dolar Singapura 11.834.118 115.489 11.995.538 112.472 Singapore Dollar Dolar Hong Kong 259.733 462 255.050 407 Hong Kong Dollar Yen Jepang 14.267.063 1.634 4.809.613 498 Japanese Yen Poundsterling Inggris 737.810 15.080 56.415 1.089 Great British Poundsterling Riyal Qatar 6.642 25 7.850 27 Riyal Qatar Simpanan dari bank-bank lain Deposits from other banks - Pihak berelasi Related parties - Dolar Amerika Serikat 203.000.000 2.798.355 150.000.000 1.857.750 United States Dollar Liabilitas akseptasi Acceptances payable Dolar Amerika Serikat 4.484.678 61.821 4.258.292 52.739 United States Dollar Beban masih harus dibayar dan liabilitas lain-lain Accruals and other liabilities Dolar Amerika Serikat 699.504 9.643 862.902 10.687 United States Dollar Dolar Hongkong 1.258 2 1.548 2 Hong Kong Dollar Euro Eropa 1.849 28 1.423 21 European Euro Dolar Singapura 9.973 97 8.997 84 Singapore Dollar Dolar Australia 4.724 48 10.850 110 Australian Dollar Yen Jepang 3.147 - 10.336 1 Japanese Yen Poundsterling Inggris 152 3 2 - Great British Poundsterling Pinjaman Subordinasi Subordinated Loan - Pihak berelasi Related parties - Dolar Amerika Serikat 70.000.000 964.950 - United States Dollar Total liabilitas 9.920.817 7.069.123 Total liabilities Total liabilitas - neto 341.144 32.667 Total liabilities - net

37. JAMINAN TERHADAP

KEWAJIBAN PEMBAYARAN BANK UMUM

37. GUARANTEES ON THE OBLIGATIONS OF COMMERCIAL BANKS

Berdasarkan Undang-Undang No. 24 tanggal 22 September 2004, efektif sejak tanggal 22 September 2005, Lembaga Penjamin Simpanan LPS dibentuk untuk menjamin kewajiban tertentu bank-bank umum berdasarkan program penjaminan yang berlaku. Based on Law No. 24 dated September 22, 2004, effective September 22, 2005, Indonesian Deposit Insurance Corporation Lembaga Penjamin SimpananLPS was established to provide guarantee on certain deposits from customers based on prevailing guarantee schemes. Total premi penjaminan yang dibayarkan untuk tahun yang berakhir tanggal 31 Desember 2015 dan 2014 masing-masing sebesar Rp41.005 dan Rp20.101. The guarantee premium paid for the years ended December, 2015 and 2014 amounted to Rp41,005 and Rp20,101, respectively. Total simpanan yang dijamin oleh LPS pada tanggal 31 Desember 2015 dan 2014 masing- masing sebesar Rp7.686.743 dan Rp2.111.652. Total deposits secured by LPS as of December, 2015 and 2014 amounted to Rp7,686,743 and Rp2,111,652, respectively. Pada tanggal 31 Desember 2015 dan 2014, tingkat suku bunga atas simpanan yang dijamin oleh LPS masing-masing sebesar 7,50 dan 7,75 untuk mata uang Rupiah, serta masing-masing sebesar 1,25 dan 1,50 untuk valuta asing. As of December 31, 2015 and 2014, interest rates of deposits secured by LPS were 7.50 and 7.75, respectively, for Rupiah currency, and 1.25 and 1.50, respectively, for foreign currency.