USE OF CRITICAL ACCOUNTING ESTIMATES AND JUDGMENTS

DAN ENTITAS ANAKAND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2015 DAN 2014 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2015 AND 2014 Expressed in millions of Rupiah, unless otherwise stated Halaman - 84 - Page 6. GIRO PADA BANK LAIN

6. CURRENT ACCOUNTS WITH OTHER BANKS a. Berdasarkan mata uang

a. By currency

2015 2014 Rupiah 299,405 207,508 Rupiah Mata uang asing Foreign currencies Dolar Amerika Serikat 2,960,824 1,380,933 United States Dollar Yuan Cina 2,129,675 20,755 Chinese Yuan Euro 1,133,605 992,733 Euro Dolar Singapura 1,415,447 794,690 Singapore Dollar Yen Jepang 824,676 857,094 Japanese Yen Dolar Hong Kong 116,251 138,040 Hong Kong Dollar Dolar Australia 35,832 36,416 Australian Dollar United Arab Emirates Dirham 31,231 6,485 United Arab Emirates Dirham Pound Sterling Inggris 21,749 23,286 Great Britain Pound Sterling Swiss Franc 21,232 20,756 Swiss Franc Dolar Kanada 8,908 15,458 Canadian Dollar Real Arab Saudi 520 926 Saudi Arabian Real Baht Thailand 332 2,335 Thailand Baht Ringgit Malaysia 12 14 Malaysian Ringgit 8,700,294 4,289,921 Total 8,999,699 4,497,429 Total Cadangan kerugian Allowance for penurunan nilai 906 1,589 impairment losses Neto 8,998,793 4,495,840 Net b. Berdasarkan hubungan b. By relationship 2015 2014 Pihak ketiga Third parties Rupiah 299,405 207,508 Rupiah Mata uang asing 8,700,294 4,289,921 Foreign currencies Total 8,999,699 4,497,429 Total Cadangan kerugian Allowance for penurunan nilai 906 1,589 impairment losses Neto 8,998,793 4,495,840 Net c. Berdasarkan kolektibilitas Bank Indonesia c. By Bank Indonesia collectibility Seluruh giro pada bank lain pada tanggal- tanggal 31 Desember 2015 dan 2014 diklasifikasikan lancar. All current accounts with other banks as of 31 December 2015 and 2014 were classified as current. d. Cadangan kerugian penurunan nilai d. Allowance for impairment losses Perubahan cadangan kerugian penurunan nilai adalah sebagai berikut: The movements in the allowance for impairment losses are as follows: DAN ENTITAS ANAKAND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2015 DAN 2014 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2015 AND 2014 Expressed in millions of Rupiah, unless otherwise stated Halaman - 85 - Page 6. GIRO PADA BANK LAIN lanjutan

6. CURRENT ACCOUNTS WITH OTHER BANKS

continued

d. Cadangan kerugian

penurunan nilai lanjutan

d. Allowance for

impairment losses continued 2015 2014 Saldo awal 1,589 1,709 Beginning balance Pembalikan selama tahun berjalan 632 - Reversal during the year Penyesuaian karena penjabaran Foreign exchange translation laporan keuangan 51 120 adjustment Saldo akhir 906 1,589 Ending balance Manajemen berpendapat bahwa jumlah cadangan kerugian penurunan nilai di atas telah memadai. Management believes that the allowance for impairment losses is adequate. e. Tingkat suku bunga per tahun e. Annual interest rates Dolar Amerika Serikat United States Dollar 2015 0.01 - 0.25 2015 2014 0.01 - 0.22 2014

7. PENEMPATAN PADA BANK LAIN DAN BANK INDONESIA

7. PLACEMENTS WITH OTHER BANKS AND BANK INDONESIA

a. Berdasarkan jenis dan mata uang a. By type and currency 2015 2014 Rupiah Rupiah Bank Indonesia - FASBI 2,294,069 1,076,504 Bank Indonesia - FASBI Call Money Call Money PT Bank Jabar Banten Tbk 450,000 - PT Bank Jabar Banten Tbk PT Bank Pan Indonesia Tbk 400,000 405,000 PT Bank Pan Indonesia Tbk Lembaga Pembiayaan Ekspor Lembaga Pembiayaan Ekspor Indonesia 250,000 535,000 Indonesia PT Bank Sumitomo Mitsui PT Bank Sumitomo Mitsui Indonesia 250,000 100,000 Indonesia PT Bank KEB Hana Indonesia 200,000 - PT Bank KEB Hana Indonesia PT Bank Mandiri Persero Tbk 200,000 - PT Bank Mandiri Persero Tbk PT Bank ICBC Indonesia 150,000 50,000 PT Bank ICBC Indonesia PT Bank Nationalnobu Tbk 140,000 - PT Bank Nationalnobu Tbk PT Bank Pembangunan PT Bank Pembangunan Daerah Riau 100,000 - Daerah Riau PT Bank Bukopin Tbk - 500,000 PT Bank Bukopin Tbk PT Bank Danamon Tbk - 295,000 PT Bank Danamon Tbk Royal Bank of Scotland, Jakarta - 235,000 Royal Bank of Scotland, Jakarta PT Bank Mizuho Jakarta - 212,000 PT Bank Mizuho Jakarta JP Morgan Chase - 200,000 JP Morgan Chase Deutsche Bank Jakarta - 150,000 Deutsche Bank Jakarta PT Bank DBS Indonesia - 100,000 PT Bank DBS Indonesia Hongkong Shanghai Bank Corp - 100,000 Hongkong Shanghai Bank Corp PT Bank Chinatrust - 90,000 PT Bank Chinatrust Lain-lain 175,000 30,000 Others Deposito berjangka 2,224,256 1,827,975 Time deposits 6,833,325 5,906,479