ALLOWANCEREVERSAL FOR IMPAIRMENT LOSSESOF FINANCIAL ASSETS

NOTES TO FINANCIAL STATEMENTS JUNE 30, 2015, 2014 AND DECEMBER 31, 2014 Expressed in million Rupiah, unless otherwise stated Continued - 96 - 42. SEGMEN OPERASI

42. OPERATING SEGMENTS

Bank memiliki lima pelaporan segmen. Di bawah ini merupakan penjelasan mengenai operasi dari masing-masing pelaporan segmen yang dimiliki oleh Bank: The Bank has five reportable segments. The following describes the operations in each of the Bank‟s reportable segments:  Pensiunan – termasuk pinjaman yang diberikan kepada nasabah pensiunan.  Pensioner – includes loans disbursed to pensioners debtor.  Pegawai – termasuk pinjaman yang diberikan kepada nasabah pegawai pemerintahan.  Employee – includes loans disbursed to government employees  Komersial – termasuk pinjaman yang diberikan untuk nasabah komersial seperti koperasi,multifinance dan lain-lain.  Commercial – includes loans disbursed to commercialdebtorssuch ascooperation,multifinance and others.  Tresuri – segmeniniterkaitdengankegiatan tresuri Bank termasuk transaksi money market dan investasi dalam bentuk penempatan dan efek-efek.  Treasury –undertakestheBank‟streasury activities which include money market andinvestment in placements and securities.  Pendanaan – segmen ini terkait dengan kegiatan pendanaan Bank termasuk transaksi dana pihak ketiga, obligasi dan lain-lain  Funding – undertakes the Bank‟s funding activities which include third party fund, bonds and others.  Lain-lain – termasuk di dalam lain-lain adalah informasi segmen sehubungan dengan aktifitas kantor pusat seperti aktivitas back office, jasa trade finance dan lain-lain.  Others – includesintheothersisreporting segment information associated with head office activities such as all back office processes, tradefinance services and others. Dalam segmen operasi ini, Bank menggunakan pendapatan bunga sebagai parameter utama dalam menentukan hasil operasi dari masing- masing segmen. In this operating segment, the Bank uses interest income as the key parameter in determining the operation result of each segment. Pensiunan Pegawai Komersial Tresuri Pendanaan Lain-lain Jumlah Pensioner Employee Commercial Treasury Funding Others Total Rp Juta Rp Juta Rp Juta Rp Juta Rp Juta Rp Juta Rp Juta Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million Pendapatan bunga 346,574 119,752 212,922 56,208 4,629 8,047 748,132 Interest revenues Beban bunga 2,262 324 381,085 19,198 402,869 Interest expenses Pendapatan bunga - bersih 346,574 119,752 210,660 55,884 376,456 11,151 345,263 Interest revenues - net Aset 4,808,490 1,436,048 4,148,435 3,066,184 - 4,757,175 18,216,332 Assets Liabilitas 666,625 - 10,434,322 3,065,488 14,166,435 Liabilities 30 JuniJune 2015 Pensiunan Pegawai Komersial Tresuri Pendanaan Lain-lain Jumlah Pensioner Employee Commercial Treasury Funding Others Total Rp Juta Rp Juta Rp Juta Rp Juta Rp Juta Rp Juta Rp Juta Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million Pendapatan bunga - - 109,735 10,268 4,360 7,090 131,453 Interest revenues Beban bunga - - 14 257 15,710 - 15,981 Interest expenses Pendapatan bunga - bersih - - 109,721 10,011.00 11,350.00 7,090.00 115,472 Interest revenues - net Aset - - 4,590,018 788,350 - 401,080 5,779,448 Assets Liabilitas - - - - 3,675,243 348,011 4,023,254 Liabilities 30 JuniJune 2014 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