MARKETABLE SECURITIES a. Berdasarkan tujuan, jenis dan mata uang

PT BANK ARTHA GRAHA INTERNASIONAL Tbk CATATAN ATAS LAPORAN KEUANGAN Tanggal 31 Desember 2014 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, 2014 and For The Year Then Ended Expressed in millions of Rupiah, unless otherwise stated 68

9. TAGIHAN DAN LIABILITAS DERIVATIF lanjutan

9. DERIVATIVE RECEIVABLES AND PAYABLES continued

Pada tanggal 31 Desember 2014 dan 2013, rincian tagihan dan liabilitas derivatif adalah sebagai berikut: As of December 31, 2014 and 2013, details of derivative receivables and payables are as follows: 2014 Nilai Nosional Tagihan Liabilitas Kontrak Derivatif Derivatif Notional Value Derivative Derivative Contract Receivables Payables PT Bank Negara Indonesia PT Bank Negara Indonesia Persero Tbk 151.568 1.702 634 Persero Tbk Cadangan kerugian Allowance for impairment penurunan nilai - - losses Neto 1.702 634 Net 2013 Nilai Nosional Tagihan Liabilitas Kontrak Derivatif Derivatif Notional Value Derivative Derivative Contract Receivables Payable PT Bank Negara Indonesia PT Bank Negara Indonesia Persero Tbk 121.700 283 - Persero Tbk PT Bank Mandiri PT Bank Mandiri Persero Tbk 60.850 233 580 Persero Tbk Jumlah 182.550 516 580 Total Cadangan kerugian Allowance for impairment penurunan nilai - - losses Neto 516 580 Net Tagihan dan liabilitas derivatif pada tanggal 31 Desember 2014 dan 2013 merupakan transaksi pada pihak ketiga. Derivative receivables and payables as of December 31, 2014 and 2013 are made with a third party. Pada tanggal 31 Desember 2014 dan 2013, manajemen berpendapat bahwa tidak terdapat penurunan nilai atas tagihan derivatif, sehingga tidak diperlukan pembentukan cadangan kerugian penurunan nilai. As of December 31, 2014 and 2013, management believes that there is no impairment on derivative receivables, therefore no allowance for impairment losses was provided.

10. PENDAPATAN BUNGA YANG MASIH AKAN DITERIMA

10. ACCRUED INTEREST RECEIVABLES

2014 2013 Kredit yang diberikan 146.526 92.049 Loans Surat-surat berharga 5.167 6.106 Marketable securities Penempatan pada Bank Indonesia dan bank lain 755 1.199 Placements with Bank Indonesia and other banks Lain-lain 336 453 Others Jumlah 152.784 99.807 Total PT BANK ARTHA GRAHA INTERNASIONAL Tbk CATATAN ATAS LAPORAN KEUANGAN Tanggal 31 Desember 2014 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, 2014 and For The Year Then Ended Expressed in millions of Rupiah, unless otherwise stated 69

10. PENDAPATAN BUNGA YANG MASIH AKAN DITERIMA lanjutan

10. ACCRUED INTEREST

RECEIVABLES continued Pendapatan bunga yang masih akan diterima berdasarkan mata uang: Accrued interest receivables based on currency: 2014 2013 Rupiah 128.918 88.312 Rupiah Mata uang asing 23.866 11.495 Foreign currencies Jumlah 152.784 99.807 Total 11. BIAYA DIBAYAR DI MUKA 11. PREPAID EXPENSES Akun ini terdiri dari: This account consists of: 2014 2013 Sewa dibayar di muka 111.151 67.002 Prepaid rent Renovasi gedung kantor 11.958 7.803 Office building renovation Karyawan 2.682 1.474 Employees Pemasaran 1.482 1.721 Marketing Taksiran tagihan pajak penghasilan Catatan 33b - 24.487 Estimated claim for income tax refund Note 33b Jumlah 127.273 102.487 Total 12. KREDIT YANG DIBERIKAN 12. LOANS a. Berdasarkan jenis, mata uang dan pihak a. By type, currency and party 2014 2013 Rupiah Rupiah Pihak berelasi Related parties Revolving loans 78.356 68.136 Revolving loans Pinjaman rekening koran 6.147 1.800 Overdraft Fixed loans 5.289 13.316 Fixed loans Pihak ketiga Third parties Fixed loans 6.126.904 5.447.056 Fixed loans Revolving loans 6.083.364 5.501.189 Revolving loans Kredit pemilikan rumah 1.071.707 968.010 Housing loans Pinjaman rekening koran 587.760 491.659 Overdraft Kredit sindikasi 134.091 38.601 Syndicated loan Pinjaman karyawan 51.908 31.904 Employee loans Kredit pemilikan mobil 39.046 81.620 Car loans Kredit tanpa agunan 25.400 2.783 Unsecured loans Kredit pemilikan kios 17.760 21.036 Kiosk loans Kredit wirausaha 761 1.527 Entrepreneurs loans Trust receipts - 32.029 Trust receipts Jumlah Rupiah 14.228.493 12.700.666 Total Rupiah Mata Uang Asing Foreign Currencies Pihak ketiga Third parties Revolving loans 1.594.278 1.471.681 Revolving loans Fixed loans 1.323.908 1.258.923 Fixed loans Trust receipts 3.410 - Trust receipts Jumlah Mata Uang Asing 2.921.596 2.730.604 Total Foreign Currencies Jumlah Kredit 17.150.089 15.431.270 Total Loans Cadangan kerugian penurunan nilai 132.027 78.796 Allowance for impairment losses Jumlah Kredit - Neto 17.018.062 15.352.474 Total Loans - Net