GENERAL AND ADMINISTRATIVE EXPENSES

NOTES TO FINANCIAL STATEMENTS JUNE 30, 2015, 2014 AND DECEMBER 31, 2014 Expressed in million Rupiah, unless otherwise stated Continued - 97 - Rekonsiliasi antara pendapatan bunga bersih disesuaikan dengan laba sebelum pajak penghasilan adalah sebagai berikut: Are conciliation between net interest income with income before tax are as follows: 30 Juni 30 Juni June 2015 June 2014 Rp Juta Rp Juta Rp Million Rp Million Pendapatan bunga - bersih 345,263 115,472 Interest revenues - net Pendapatan operasional lainnya 107,890 88,822 Other operating revenues Beban operasional lainnya 262,992 78,065 Other operating expenses Beban non operasional - bersih 697 Non operating expenses - net Laba sebelum pajak penghasilan 189,464 126,229 Income before tax Segmen geografis Geographical segment Jawa Barat Jakarta Lainnya Eliminasi Jumlah West Java Jakarta Others Elimination Total Rp Juta Rp Juta Rp Juta Rp Juta Rp Juta Rp Million Rp Million Rp Million Rp Million Rp Million Penghasilan bunga - bersih 272,373 41,101 - 31,789 - - 345,263 Interest revenues - net Pembentukan cadangan Allowance for kerugian penurunan nilai impairment losses on atas aset keuangan 8,291 11,530 - 1,346 - - 1,893 financial assets Pendapatan operasional lainnya 430,087 216,922 - 114,293 - 653,412 107,890 Other operating income Beban tenaga kerja 80,057 13,183 - 16,483 - - 109,723 Personnel expense General and administrative Beban umum dan administrasi 621,341 74,505 - 112,728 - 653,412 155,162 expenses Laba operasional - bersih 7,229 181,865 15,525 - 190,161 Operating income - net Beban non operasional - Non operating expenses - bersih 135,592 119,149 - 15,746 - - 697 net Laba sebelum pajak 142,821 301,014 31,271 - 189,464 Income before tax Beban pajak 3,523 10,831 - - - - 14,354 Tax expense Laba bersih 146,344 290,183 31,271 - 175,110 Net income Jumlah aset 9,011,863 8,846,614 - 1,738,733 - 1,380,878 18,216,332 Total assets Jumlah liabilitas 8,113,645 5,765,854 - 1,667,814 - 1,380,878 14,166,435 Total liabilities 30 JuniJune 2015 Jawa Barat Jakarta Lainnya Eliminasi Jumlah West Java Jakarta Others Elimination Total Rp Juta Rp Juta Rp Juta Rp Juta Rp Juta Rp Million Rp Million Rp Million Rp Million Rp Million Penghasilan bunga - bersih - 115,472 - - - - 115,472 Interest revenues - net Pembentukan cadangan Allowance for kerugian penurunan nilai impairment losses on atas aset keuangan - 14,015 - - - - 14,015 financial assets Pendapatan operasional lainnya - 88,822 - - - - 88,822 Other operating income Beban tenaga kerja - 12,017 - - - - 12,017 Personnel expense General and administrative Beban umum dan administrasi - 52,033 - - - - 52,033 expenses Laba operasional - bersih - 126,229 - - 126,229 Operating income - net Beban non operasional - Non operating expenses - bersih - - - - - - - net Laba sebelum pajak - 126,229 - - 126,229 Income before tax Beban pajak - 32,522 - - - - 32,522 Tax expense Laba bersih - 93,707 - - 93,707 Net income Jumlah aset - 5,779,447 - - - - 5,779,447 Total assets Jumlah liabilitas - 4,023,255 - - - - 4,023,255 Total liabilities 30 JuniJune 2014