TAGIHAN DAN LIABILITAS DERIVATIF DERIVATIVES RECEIVABLE AND PAYABLE

PT BANK QNB INDONESIA TBK CATATAN ATAS LAPORAN KEUANGAN Tanggal 31 Desember 2015 dan untuk Tahun yang Berakhir pada Tanggal Tersebut Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain PT BANK QNB INDONESIA TBK NOTES TO THE FINANCIAL STATEMENTS As of December 31, 2015 and for the Year Then Ended Expressed in millions of Rupiah, unless otherwise stated 87 16. ASET TAK BERWUJUD 16. INTANGIBLE ASSETS 31 DesemberDecember 31, 2015 Saldo awal Beginning Penambahan Pengurangan Saldo akhir balance Additions Deductions Ending balance Biaya perolehan: Cost: Perangkat lunak 39.172 5.318 - 44.490 Software Lisensi penggunaan perangkat lunak 26.001 5.473 - 31.474 Software license 65.173 10.791 - 75.964 Akumulasi amortisasi: Accumulated amortization: Perangkat lunak 16.774 4.603 - 21.377 Software Lisensi penggunaan perangkat lunak 6.029 2.888 - 8.917 Software license 22.803 7.491 - 30.294 Nilai buku - neto 42.370 45.670 Net book value 31 DesemberDecember 31, 2014 Saldo awal Beginning Penambahan Pengurangan Saldo akhir balance Additions Deductions Ending balance Biaya perolehan: Cost: Perangkat lunak 30.753 8.419 - 39.172 Software Lisensi penggunaan perangkat lunak 18.992 7.009 - 26.001 Software license 49.745 15.428 - 65.173 Akumulasi amortisasi: Accumulated amortization: Perangkat lunak 12.578 4.196 - 16.774 Software Lisensi penggunaan perangkat lunak 2.975 3.054 - 6.029 Software license 15.553 7.250 - 22.803 Nilai buku - neto 34.192 42.370 Net book value Beban amortisasi yang dibebankan dalam beban umum dan administrasi masing-masing sejumlah Rp7.491 dan Rp7.250 untuk tahun yang berakhir tanggal-tanggal 31 Desember 2015 dan 2014. Amortization expense charged to general and administrative expenses amounted to Rp7,491 and Rp7,250, for the years ended December 31, 2015 and 2014, respectively. Pada tanggal 31 Desember 2015 dan 2014, seluruh aset tak berwujud tidak mengalami penurunan nilai. As of December 31, 2015 and 2014, all intangible assets were not impaired. 17. LIABILITAS SEGERA 17. LIABILITIES PAYABLE ON DEMAND 31 DesemberDecember 31 2015 2014 Escrow accounts 297.270 216.104 Escrow accounts Liabilitas pajak 30.196 26.580 Tax liabilities Titipan dana nasabah 474 90 Customer fund deposits Lain-lain 9.417 10.011 Others Total 337.357 252.785 Total Escrow account merupakan rekening nasabah yang khusus digunakan untuk transaksi kredit. Escrow account represents the customer’s accounts which were specifically used for loan transactions. PT BANK QNB INDONESIA TBK CATATAN ATAS LAPORAN KEUANGAN Tanggal 31 Desember 2015 dan untuk Tahun yang Berakhir pada Tanggal Tersebut Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain PT BANK QNB INDONESIA TBK NOTES TO THE FINANCIAL STATEMENTS As of December 31, 2015 and for the Year Then Ended Expressed in millions of Rupiah, unless otherwise stated 88 17. LIABILITAS SEGERA lanjutan 17. LIABILITIES PAYABLE ON DEMAND continued Titipan dana nasabah merupakan pengiriman dana transfer dari satu pihak kepada pihak lainnya melalui Bank sebagai perantara, dimana pada tanggal laporan keuangan, dana tersebut belum efektif diterima atau dikredit ke rekening penerima dana beneficiary. Customer fund deposits represents transfer from one party to another through the Bank as an intermediary, which on the date of the financial statements, the fund has not been effectively received or credited into the beneficiary’s account. 18. SIMPANAN DARI NASABAH 18. DEPOSITS FROM CUSTOMERS 31 DesemberDecember 31, 2015 Pihak berelasi Pihak ketiga Related parties Third parties Total Rupiah Rupiah Giro 24.619 1.113.403 1.138.022 Current accounts Tabungan 337 411.713 412.050 Saving accounts Deposito berjangka Time deposits dan deposit on call 553.353 10.505.227 11.058.580 and deposit on call Total - Rupiah 578.309 12.030.343 12.608.652 Total - Rupiah Valuta asing Foreign currencies Giro 631 460.147 460.778 Current accounts Deposito berjangka Time deposits dan deposit on call 461.798 4.977.780 5.439.578 and deposit on call Total - valuta asing 462.429 5.437.927 5.900.356 Total - foreign currencies Total 1.040.738 17.468.270 18.509.008 Total 31 DesemberDecember 31, 2014 Pihak berelasi Pihak ketiga Related parties Third parties Total Rupiah Rupiah Giro 32.081 1.178.928 1.211.009 Current accounts Tabungan 2.287 384.644 386.931 Saving accounts Deposito berjangka Time deposits dan deposit on call 63.280 9.526.196 9.589.476 and deposit on call Total - Rupiah 97.648 11.089.768 11.187.416 Total - Rupiah Valuta asing Foreign currencies Giro 1.546 1.546.476 1.548.022 Current accounts Deposito berjangka Time deposits dan deposit on call 161.005 3.265.267 3.426.272 and deposit on call Total - valuta asing 162.551 4.811.743 4.974.294 Total - foreign currencies Total 260.199 15.901.511 16.161.710 Total Pada tanggal 31 Desember 2015 dan 2014, jumlah deposito yang dijadikan sebagai jaminan kredit yang diberikan adalah masing-masing sebesar Rp836.819 dan Rp988.312. Giro yang dijadikan sebagai jaminan kredit yang diberikan sebesar Rp378.850 dan Rp375.222 pada tanggal 31 Desember 2015 dan 2014. Tidak ada tabungan yang dijadikan jaminan pada tanggal 31 Desember 2015 dan 2014. As of December 31, 2015 and 2014, time deposits pledged as loans collateral amounted to Rp836,819 and Rp988,312, respectively. Current account pledged as loans collateral amounted to Rp378,850 and Rp375,222 as of December 2015 and 2014. There were no saving accounts pledged as collateral as of December 31, 2015 and 2014.