SUBORDINATED BONDS Laporan Keuangan Juni 2015

NOTES TO FINANCIAL STATEMENTS JUNE 30, 2015, 2014 AND DECEMBER 31, 2014 Expressed in million Rupiah, unless otherwise stated Continued - 92 - Rincian saldo transaksi dengan pihak-pihak yang berelasi dengan Bank adalah sebagai berikut: The details of balances with related parties of the Bank are as follows: 30 Juni June 2015 Rp Juta Rp Million Aset Assets Giro pada bank lain Current accounts with other bank Woori Bank, Tokyo 816 Woori Bank, Tokyo Persentase terhadap jumlah aset 0.004 Percentage of total assets Pinjaman yang diberikan - bruto Loans - gross Dewan Komisaris dan Dewan Direksi Board of Commissioners, Directors dan karyawan kunci and key employees PT Api Metra Palma 31,461 PT Api Metra Palma PT Medco Power Indonesia 1,122 PT Medco Power Indonesia Sonar Soni Panigoro 2,356 Sonar Soni Panigoro Roni Pramaditia 1,140 Roni Pramaditia Lainnya masing-masing di bawah Rp 1.000 5,566 Others each below Rp 1,000 41,645 Persentase terhadap jumlah aset 0.229 Percentage of total assets Biaya dibayar dimuka Prepayments PT Medco Intidinamika 681 PT Medco Intidinamika Api Metra Graha 927 Api Metra Graha 1,608 Persentase terhadap jumlah aset 0.009 Percentage of total assets Liabilitas Liabilities Liabilitas segera Liabilities due immediately Woori Bank, Korea 188,408 Woori Bank, Korea Persentase terhadap jumlah liabilitas 1.330 Percentage of total liabilities Simpanan dari nasabah 344,161 Deposits from customers Persentase terhadap jumlah liabilitas 2.429 Percentage of total liabilities Beban bunga yang masih harus dibayar 555 Accrued interest expense Persentase terhadap jumlah liabilitas 0.004 Percentage of total liabilities NOTES TO FINANCIAL STATEMENTS JUNE 30, 2015, 2014 AND DECEMBER 31, 2014 Expressed in million Rupiah, unless otherwise stated Continued - 93 - 31 Desember December 2014 Rp Juta Rp Million Aset Assets Giro pada bank lain Current accounts with other bank Woori Bank, Tokyo 766 Woori Bank, Tokyo Persentase terhadap jumlah aset 0.005 Percentage of total assets Pinjaman yang diberikan - bruto Loans - gross Dewan Komisaris dan Dewan Direksi Board of Commissioners, Directors dan karyawan kunci 1,094 and key employees PT Api Metra Palma 21,035 PT Api Metra Palma PT Medco Power Indonesia 1,288 PT Medco Power Indonesia Sonar Soni Panigoro 2,460 Sonar Soni Panigoro Roni Pramaditia 1,231 Roni Pramaditia Lainnya masing-masing di bawah Rp 1.000 4,384 Others each below Rp 1,000 31,492 Persentase terhadap jumlah aset 0.192 Percentage of total assets Biaya dibayar dimuka Prepayments PT Medco Intidinamika 1,390 PT Medco Intidinamika Api Metra Graha 1,318 Api Metra Graha 2,708 Persentase terhadap jumlah aset 0.016 Percentage of total assets Liabilitas Liabilities Liabilitas segera Liabilities due immediately Woori Bank, Korea 55,067 Woori Bank, Korea Persentase terhadap jumlah liabilitas 0.440 Percentage of total liabilities Simpanan dari nasabah 318,105 Deposits from customers Persentase terhadap jumlah liabilitas 2.539 Percentage of total liabilities Beban bunga yang masih harus dibayar 568 Accrued interest expense Persentase terhadap jumlah liabilitas 0.005 Percentage of total liabilities NOTES TO FINANCIAL STATEMENTS JUNE 30, 2015, 2014 AND DECEMBER 31, 2014 Expressed in million Rupiah, unless otherwise stated Continued - 94 - Sesuai Peraturan Bank Indonesia PBINo.73PBI2005 tanggal 20 Januari 2005 mengenai Batas Maksimum Pemberian Kredit BMPK Bank Umum yang sebagian pasalnya diubah dengan PBI No .813PBI2006 tanggal 5 Oktober 2006, pinjaman yang diberikan dengan jaminan tunai dikecualikan dari BMPK. Pada tanggal 30 Juni 2015 dan 31 Desember 2014, jumlah pinjaman yang diberikan kepada pihak berelasi yang dijamin oleh agunan tunai adalah masing- masing sebesar Rp75.651 juta, dan Rp6.201 juta. In accordance with Bank Indonesia Regulation PBI No. 73PBI2005 dated January 20, 2005 regarding Legal Lending Limit for Commercial Bank which amended partially by PBI No. 813PBI2006 dated October 5, 2006, loans with cash collateral are exempted from Legal Lending Limit. As of June 30, 2015 and December 31, 2014, loans to related parties that are secured by cash collaterals amounting to Rp75,651 million and Rp6,201 million, respectively. 30 Juni 30 Juni June 2015 June 2014 Rp Juta Rp Juta Rp Million Rp Million Pendapatan bunga Interest revenues Dewan Komisaris dan Dewan Direksi Board of Commissioners, Directors dan karyawan kunci 1,427 25 and key employees Persentase bunga terhadap jumlah pendapatan 0.191 0.019 Percentage to total interest revenues Beban bunga 8,423 144 Interest expense Persentase bunga terhadap jumlah beban 2.091 0.519 Percentage to total interest expense Bank tidak memiliki transaksi atau utangpiutang dengan pihak berelasi yang tidak berhubungan dengan kegiatan utama Bank. The Bank does not have any transaction or payablereceivable with related parties having no relat ion to the Bank‟s main business. 40. KOMITMEN DAN KONTINJENSI 40. COMMITMENTSAND CONTINGENCIES Seperti di dalam bisnis normal perbankan,Bank mempunyai komitmen dan kontinjensi. As part of normal banking business, the Bank has commitments and contingencies. Ikhtisar komitmen dan kontinjensi Bank yang dinyatakan dalam nilai kontrak setara dengan mata uang Rupiah adalah sebagai berikut: The following is a summary of the Bank‟s commitments and contingencies at the equivalent Rupiah contractual amounts: 30 Juni 31 Desember June 2015 December 2014 Rp Juta Rp Juta Rp Million Rp Million KOMITMEN COMMITMENTS Liabilitas komitmen: Commitment payables: Fasilitas pinjaman yang diberikan yang belum digunakan 10,183 2,118,817 Unused loan facility Irrevocable letters of credit yang Outstanding irrevocable masih berjalan 111,776 283,992 letters of credit KONTINJENSI CONTINGENCIES Tagihan kontinjensi: Contingencies receivables: Garansi yang diterima 1,105,952 964,781 Received guarantee Pendapatan bunga Interest receivable on dalam penyelesaian 48,381 40,254 non-performing assets Liabilitas kontinjensi: Contingencies payables: Bank garansi yang diterbitkan 312,952 326,031 Bank guarantees issued Bersih 1,492,482 1,723,805 Net NOTES TO FINANCIAL STATEMENTS JUNE 30, 2015, 2014 AND DECEMBER 31, 2014 Expressed in million Rupiah, unless otherwise stated Continued - 95 - 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 Juni 2015 dan 31 Desember 2014. There is no bank guarantees with related party as of June 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.