PT Bank Rakyat Indonesia Persero, Tbk.

PT WIJAYA KARYA PERSERO, Tbk. PT WIJAYA KARYA PERSERO, Tbk. DAN ENTITAS ANAK AND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN NOTES TO CONSOLIDATED FINANCIAL STATEMENTS Untuk periode yang berakhir pada 31 Maret 2017 dan 31 Desember 2016 For the period ended March 31, 2017 and December 31, 2016 Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain Expressed in thousand Rupiah, unless otherwise stated 3. 3. 4. 4. - - - - - - - Rasio hutang dengan EBITDA maksimal 3 kali - The ratio of debt to EBITDA maximum of 3 times g. 1. 2. 3. 4. 5. 6. - - - - 7. - - - - h. 1. External maximum gearing ratio of 2 x two times. Loans are guaranteed by charges tied to the Project Deed Fiduciary Guarantee Agreement No. 05 dated August,29 2014, made by Lolani Kurniatti Irdham SH, notary in Jakarta. Perseroan wajib mengusahakan kinerja keuangan dengan indikator sebagai berikut: The Company shall seek financial performance indicators as follows: Debt to equity ratio tidak lebih dari 3,5 kali Debt to equity ratio of not more than 3,5 times The Hongkong and Shanghai Banking Corporation Limited HSBC Perseroan telah mengadakan perjanjian kredit dengan The Hongkong and Shanghai Banking Corporation Limited HSBC sebagai mana tertuang dalam akta perjanjian kredit No.19 tanggal 28 Oktober 2015 dibuat dihadapan Lolani Kurniati Irdham S.H Notaris di Jakarta, memberikan fasilitas kredit cash loan dan non cash loan dengan ketentuan sebagai berikut : The Company has entered into a credit agreement with The Hongkong and Shanghai Banking Corporation Limited HSBC as outlined in the deed of loan agreement No.19 dated October 28, 2015 made before Lolani Kurniati Irdham, SH, Notary in Jakarta, provides credit facilities with the following conditions: 1. Fasilitas Kredit Loan Rp 125.000.000.000 nilai penuh. g. 1. Masa berlaku kredit sampai dengan 30 April 2017. The validity period of credit to April 30, 2017. 2. Fasilitas Kredit Non Cash Loan Limit Gabungan Rp 2.250.000.000.000 nilai penuh. Working Capital Loan Facility to a maximum of Rp 2,250,000,000,000 full amount. The Hongkong and Shanghai Banking Corporation Limited HSBC Current ratio tidak kurang dari 1 kali Current ratio not less than 1 times Rasio EBITDA dengan biaya bunga maksimal 1,5 kali The ratio of EBITDA to 1.5 times the maximum interest costs Masa berlaku kredit sampai dengan 19 Juli 2017. The validity period of credit dated up to July 19, 2017. Cash Loan Working Capital Facility to a maximum of Rp 125.,000,000,000 full amount. Kredit ini dijamin dengan tagihan Proyek yang diikat dengan Akta Perjanjian Pemberian Jaminan Fidusia No.05 tanggal 29 Agustus 2014 dihadapan Lolani Kurniati Irdham S.H., Notaris di Jakarta. Fasilitas Bank Garansi dalam bentuk mata uang asing sebesar Rp 1.800.000.000.000 nilai penuh Bank Guarantee Facility in the form of foreign currency amounting to Rp 1,800,000,000,000,full amount. 4. Fasilitas Standby Letter of Credit dalam bentuk mata uang asing sebesar Rp 1.800.000.000.000 nilai penuh

h. INDONESIA EXIMBANK

Perseroan telah mengadakan perjanjian kredit modal kerja ekspor dengan Indonesia Eximbank sebagai mana tertuang dalam akta perjanjian kredit No.26 tanggal 12 Juni 2015 dibuat dihadapan Sri Ismiyati S.H Notaris di Jakarta, memberikan fasilitas kredit non cash loan dengan ketentuan sebagai berikut : The Company has entered into a credit agreement with Indonesia Eximbank as outlined in the deed of loan agreement No.26 dated June 12, 2015 made before Sri Ismiyati, SH, Notary in Jakarta, provides credit facilities with the following conditions: Fasilitas terdiri dari Kredit Modal Kerja Ekspor KMKE; Pembukaan dan Pembiayaan LC, SightUsanceUPAS dan Surat Kredit Berdokumen Dalam Negeri SKBDN. The facility consists of Export Working Capital Loan KMKE; Opening and Funding L C, Sight Usance UPAS and Domestic Letter of Credit SKBDN. Kredit ini dijamin sesuai Akta Fidusia atas Piutang This credit is secured in accordance Fiduciary Deed of Receivables. Perseroan wajib mengusahakan kinerja keuangan dengan indikator sebagai berikut : The Company shall seek financial performance indicators as follows: Rasio Lancar Current Assets minimal 1 x satu kali. Current Ratio Current Assets at least 1 x one time. Facility Standby Letter of Credit in the form of foreign currency amounting to Rp 1,800,000,000,000 full amount. 5. 3. 6. Tingkat suku bunga adalah sebagai berikut: The interest rate per annum as follows: Rasio Gearing Eksternal maksimum 2 x dua kali. INDONESIA EXIMBANK Mata Uang Rupiah 4,60 per tahun dibawah Best Landing Rate. Rupiah Currencies 4.60 per annum under the Best Landing Rate. 7. Mata Uang Dollar Amerika Serikat 7,99 per tahun dibawah Best Landing Rate. U.S. Dollar Currencies 7.99 per annum under the Best Landing Rate. 85