COMPREHENSIVE PROFIT AND INCOME

I LAPORAN TAHUNAN 2015 I PT BANK DINAR INDONESIA Tbk 64

4.12.1. Arus Kas Dari Kegiatan Operasi

Per 31 Desember 2015 total arus kas yang diperoleh untuk aktivitas operasional adalah sebesar Rp148.079 juta. Arus kas masuk terutama bersumber dari pendapatan bunga dan kenaikan simpanan nasabah melalui giro, tabungan dan deposito dengan total keseluruhan sebesar Rp624.208 juta. Sementara arus kas keluar terutama untuk pemberian kredit, pembayaran bunga, pembelian efek-efek dan aset lainnya serta pembayaran biaya-biaya operasional termasuk gaji karyawan dengan jumlah seluruhnya Rp476.129 juta.

4.12.1. Cash low from Operating Activity

As of 31 st December 2015, cash low from Operating Activity is as much as Rp148,079 million. This income cash low that came from interest income, the increasing of customer deposit through demand deposit, savings account and time deposits is as much as Rp624,208 million. While the outcome cash low for distributing loans, interest payment, purchasing the securities, and other operational payment such as employee’s salary is as much as Rp476,129 million. Rasio Keuangan 2015 2014 Pertumbuhan Growth Nominal Capital Adequacy Ratio CAR 30,50 31,07 -0,57 -1,83 Return On AssetROA 1,00 0,32 0,68 212,50 Return On Equity ROE 3,62 1,10 2,52 229,09 Net Interest Margin NIM 4,41 3,50 0,91 26,00 LDR 77,29 69,62 7,67 11,02 BOPO 91,50 97,63 -6,13 -6,28 NPL GROSS 0,74 0,86 -0,12 -13,95 NPL NETT 0,67 0,80 -0,13 -16,25 Financial Ratio Capital Adequacy Ratio CAR Return On AssetROA Return On Equity ROE Net Interest Margin NIM LDR Operating Expenses to Operating Income NPL GROSS NPL NETT

4.12.2. Arus Kas Dari Kegiatan Investasi

Arus kas bersih yang digunakan untuk kegiatan investasi per 31 Desember 2015 adalah sebesar Rp2.369 juta. Arus kas ini digunakan untuk pembelian aset tetap.

4.12.3. Arus Kas Dari Kegiatan Pendanaan

Per 31 Desember 2015 arus kas dari kegiatan pendanaan tidak ada.

4.13. KEBIJAKAN MANAJEMEN ATAS STRUKTUR PERMODALAN

Manajemen Perseroan mempunyai perhatian yang sangat besar terhadap permodalan Perseroan mengingat permodalan dalam bisnis perbankan memegang peranan penting dalam berbagai

4.12.2. Cash low Investing Activity

Net Cash Flow that has been used in investing activity take as much as Rp2,369 million as of 31 st December 2015. This amount was used to purchase ixed assets.

4.12.3. Cash Flow from Financing Activity

There was no cash low came from inancing activity as of 31 st December 2015.

4.13. MANAGEMENT POLICY ON CAPITAL STRUCTURE

Corporate’s capital is one of the main focus in corporate considering that capital plays the important rule in every corporate’s activity aspect such as Maximum Lending Limits BMPK, Capital dalam jutaan Rupiah in million Rupiah