TRANSAKSI DENGAN LapKeu Des2014

PT BANK WOORI SAUDARA INDONESIA 1906 Tbk formerly PT BANK HIMPUNAN SAUDARA 1906 Tbk NOTES TO FINANCIAL STATEMENTS DECEMBER 31, 2014 AND 2013 AND FOR THE YEARS THEN ENDED Continued - 86 - Nilai Wajar Fair Value Rp Juta Rp Million Liabilitas Liabilities Liabilitas segera 8.153 Liabilities due immediately Simpanan dari nasabah 8.097.267 Deposit from customers Simpanan dari bank lain 136.808 Deposit from other banks Utang pajak 14.028 Tax payables Efek-efek yang diterbitkan 105.286 Marketable securities issued Liabilitas pajak tangguhan 43.436 Deferred tax liabilities Liabilitas imbalan pasca kerja 38.846 Post employment benefit obligation Liabilitas lain-lain 82.491 Other liabilities Obligasi subordinasi 227.952 Subordinate bonds Jum lah Liabilitas 8.754.267 Total Liabilities Jumlah aset bersih 779.097 Total net assets Imbalan yang dialihkan 2.253.589 Consideration transferred Goodw ill 1.474.492 Goodwill Nilai wajar dari kredit sebesar Rp 6.784.823 juta. Nilai bruto dari kredit adalah sebesar Rp 6.935.523 juta. Namun beberapa kredit telah mengalami penurunan nilai dan sehingga dibentuk cadangan kerugian penurunan nilai sebesar Rp 150.700 juta. The fair value of the loans amounts to Rp 6,748,823 million. The gross amount of loans is Rp 6,935,523 million. However, some of the loans were impaired and made allowance for impairment losses amounting of Rp 150,700 million.

41. TRANSAKSI DENGAN

PIHAK –PIHAK BERELASI 41. RELATED PARTIES TRANSACTIONS Dalam menjalankan kegiatan usahanya, Bank melakukan transaksi-transaksi dengan pihak- pihak berelasi In the course of business, the Bank entered into certain transactions with related parties. Sifat Berelasi Nature of Relationship Pihak-pihak berelasi adalah perusahaan dan perorangan yang mempunyai keterkaitan kepemilikan atau kepengurusan secara langsung maupun tidak langsung dengan Bank sebagaimana diungkapkan pada Catatan 2ad. Related parties are companies and individuals who directly or indirectly have relationships with the Bank through ownership or management as disclosed in Note 2ad. Berikut ini adalah pihak-pihak berelasi Bank, sifat hubungan dan sifat dari transaksi: The related parties, nature of relationship and nature of transactions are described as follows: 2014 Sifat dari hubungan Sifat dari transaksi Nature of relationship Nature of transaction Arifin Panigoro Pemegang saham Bank Simpanan dari nasabah The Bank’s shareholder Deposits from customer Woori Bank, Korea Pemegang saham mayoritas bank Liabilitas segera; Stand by letter of credit; Majority shareholder of the bank Letter of credit Liabilities payable immadiately; Stand by letter of credit; Letter of credit Woori Bank, Tokyo Entitas anak kantor cabang asing yang Giro pada bank lain dikendalikan oleh Woori Bank, Korea Current accountss with other banks Foreign branches controlled by the Woori Bank, Korea Woori Bank, Vietnam Entitas anak kantor cabang asing yang Stand by letter of credit dikendalikan oleh Woori Bank, Korea Foreign branches controlled by the Woori Bank, Korea Pihak berelasi Related parties PT BANK WOORI SAUDARA INDONESIA 1906 Tbk formerly PT BANK HIMPUNAN SAUDARA 1906 Tbk NOTES TO FINANCIAL STATEMENTS DECEMBER 31, 2014 AND 2013 AND FOR THE YEARS THEN ENDED Continued - 87 - 2014 Sifat dari hubungan Sifat dari transaksi Nature of relationship Nature of transaction PT Medco Intidinamika Pemegang saham Bank The Bank’s Sew a bangunan; Simpanan dari nasabah shareholder Rent of buildings; Deposits from customer PT Medco Duta Dimiliki oleh pemegang saham pengendali Sew a bangunan, Pinjaman yang PT Metra Duta Lestari yang samaOwned by the same controlling diberikan; Simpanan dari nasabah PT Usaha Tani Sejahtera Medco shareholder Rent of buildings; Loans; Foundation Deposits from customer PT Medco EP Indonesia PT Medco Energi Intenational Tbk PT Multifabrino Gemilang PT Medco Energi Mining Int PT Medco EP Rimau PT Medco EP Sembakung PT Api Metra Graha PT Medco EP Kalimantan PT Medco Methanol Bunyu PT Antareja Resources PT Medco Pow er Indonesia Darw in Cyril Noerhadi Komisaris Grup Medco Medco Group’s Pinjaman yang diberikan Loans Commissioner KSU Mitra Saudara Dikelola oleh karyaw an kunciControlled by Sew a kendaraan Rent of cars key management Yani Yuhani Panigoro, Raisis Keluarga pemegang saham BankFamily of Pinjaman yang diberikan; Panigoro, Roni Panigoro, Sonar the Bank’s shareholders Simpanan dari nasabah Soni Panigoro Loans; Deposits from customers Dew an Komisaris, Dew an Direksi Manajemen kunci Bank Bank’s key management Pinjaman yang diberikan; dan Pejabat Eksekutif BankBoard Simpanan dari nasabah of Commissioners, Directors and Loans; Deposits from customers Executive Bank Officers Pihak berelasi Related parties 2013 Sifat dari hubungan Sifat dari transaksi Nature of relationship Nature of transaction Woori Bank, Korea Pemegang saham mayoritas bank Liabilitas segera; Pinjaman diterima; Majority shareholder of the bank Stand by letter of credit Liabilities payable immadiately; borrowing Stand by letter of credit Woori Bank, Tokyo Entitas anak kantor cabang asing yang Giro pada bank lain di kendalikan oleh Woori Bank, Korea Current accounts with others bank Foreign branches controlled by the Woori Bank Korea Woori Bank, Vietnam Entitas anak kantor cabang asing yang Stand by letter of credit di kendalikan oleh Woori Bank, Korea Foreign branches controlled by the Woori Bank Korea Dew an Komisaris, Dew an Direksi Manajemen kunci Bank Bank’s key management Pinjaman yang diberikan; Simpanan dari dan Pejabat Eksekutif BankBoard nasabahLoans ; Deposits from customers of Commissioners, Directors and Pihak berelasi Related parties PT BANK WOORI SAUDARA INDONESIA 1906 Tbk formerly PT BANK HIMPUNAN SAUDARA 1906 Tbk NOTES TO FINANCIAL STATEMENTS DECEMBER 31, 2014 AND 2013 AND FOR THE YEARS THEN ENDED Continued - 88 - Rincian saldo transaksi dengan pihak-pihak yang berelasi dengan Bank adalah sebagai berikut: The details of balances with related parties of the Bank are as follows: 2014 Rp Juta Rp Million Aset Assets Giro pada bank lain Current accounts with other bank Woori Bank, Tokyo 766 Woori Bank, Tokyo Persentase terhadap jumlah aset 0,005 Percentage of total assets Pinjam an yang diberikan - bruto Loans - gross Dew an Komisaris dan Dew an Direksi Board of Commissioners, Directors dan karyaw an kunci 1.094 and key employees PT Api Metra Palma 21.035 PT Api Metra Palma PT Medco Pow er Indonesia 1.288 PT Medco Power Indonesia Sonar Soni Panigoro 2.460 Sonar Soni Panigoro Roni Pramaditia 1.231 Roni Pramaditia Lainnya masing-masing di baw ah Rp 1.000 4.384 Others each below Rp 1,000 31.492 Persentase terhadap jumlah aset 0,192 Percentage of total assets Biaya dibayar dim uka Prepayments PT Medco Intidinamika 1.390 PT Medco Intidinamika Api Metra Graha 1.318 Api Metra Graha 2.708 Persentase terhadap jumlah aset 0,016 Percentage of total assets Liabilitas Liabilities Liabilitas segera Liabilities due immediately Woori Bank, Korea 55.067 Woori Bank, Korea Persentase terhadap jumlah liabilitas 0,440 Percentage of total liabilities Sim panan dari nasabah 318.105 Deposits from customers Persentase terhadap jumlah liabilitas 2,539 Percentage of total liabilities Beban bunga yang m asih harus dibayar 568 Accrued interest expense Persentase terhadap jumlah liabilitas 0,005 Percentage of total liabilities PT BANK WOORI SAUDARA INDONESIA 1906 Tbk formerly PT BANK HIMPUNAN SAUDARA 1906 Tbk NOTES TO FINANCIAL STATEMENTS DECEMBER 31, 2014 AND 2013 AND FOR THE YEARS THEN ENDED Continued - 89 - 2013 Rp Juta Rp Million Aset Assets Giro pada bank lain Current accounts with other banks Woori Bank, Tokyo 5 Woori Bank, Tokyo Persentase terhadap jumlah aset 0,000 Percentage of total assets Pinjam an yang diberikan - bruto Loans - gross Dew an Komisaris dan Dew an Direksi Board of Commissioners, Directors dan karyaw an kunci 2.042 and key employees Persentase terhadap jumlah aset 0,033 Percentage of total assets Liabilitas Liabilities Liabilitas segera Liabilities Payable Immediately Woori Bank, Korea 304.841 Woori Bank, Korea Persentase terhadap jumlah liabiltas 6,665 Percentage of total liabilities Pinjam an yang diterim a 243.400 Borrowing Woori Bank, Korea Woori Bank, Korea Persentase terhadap jumlah liabiltas 5,321 Percentage of total liabilities Sim panan 5.193 Deposits Persentase terhadap jumlah liabiltas 0,114 Percentage of total liabilities Sesuai Peraturan Bank Indonesia PBI No. 73PBI2005 tanggal 20 Januari 2005 mengenai Batas Maksimum Pemberian Kredit BMPK Bank Umum yang sebagian pasalnya diubah dengan PBI No. 813PBI2006 tanggal 5 Oktober 2006, pinjaman yang diberikan dengan jaminan tunai dikecualikan dari BMPK. Pada tanggal 31 Desember 2014 dan 2013, jumlah pinjaman yang diberikan kepada pihak berelasi yang dijamin oleh agunan tunai adalah masing - masing sebesar Rp 6.201 juta, dan nihil. In accordance with Bank Indonesia Regulation PBI No. 73PBI2005 dated January 20, 2005 regarding Legal Lending Limit for Commercial Bank which amended partially by PBI No. 813PBI2006 dated October 5, 2006, loans with cash collateral are exempted from Legal Lending Limit. As of December 31, 2014 and 2013, loans to related parties that are secured by cash collaterals amounting to Rp 6,201 million and nil, respectively. 2014 2013 Rp Juta Rp Juta Rp Million Rp Million Pendapatan bunga 45 47 Interest revenues Dew an Komisaris dan Dew an Direksi Board of Commissioners, Directors dan karyaw an kunci and key employees Persentase bunga terhadap jumlah pendapatan 0,018 0,021 Percentage to total interest revenues Beban bunga 1.422 154 Interest expense Persentase bunga terhadap jumlah beban 3,923 0,548 Percentage to total interest expense PT BANK WOORI SAUDARA INDONESIA 1906 Tbk formerly PT BANK HIMPUNAN SAUDARA 1906 Tbk NOTES TO FINANCIAL STATEMENTS DECEMBER 31, 2014 AND 2013 AND FOR THE YEARS THEN ENDED Continued - 90 - Bank tidak memiliki transaksi atau utangpiutang dengan pihak berelasi yang tidak berhubungan dengan kegiatan utama Bank. The Bank does not have any transaction or payablereceivable with related parties having no relation to the Bank’s main business. 42. KOMITMEN DAN KONTINJENSI 42. COMMITMENTS AND CONTINGENCIES