SUBORDINATED BONDS Laporan Keuangan Interim BWSI_Sep2015

NOTES TO FINANCIAL STATEMENTS SEPTEMBER 30, 2015, AND 2014 AND DECEMBER 31, 2014 Expressed in million Rupiah, unless otherwise stated Continued - 93 - 30 SeptemberSeptember 2014 Sifat dari hubungan Sifat dari transaksi Nature of relationship Nature of transaction PT Medco Intidinamika Pemegang saham Bank The Bank‟s Sewa bangunan; Simpanan dari nasabah shareholder Rent of buildings; Deposits from customer PT Medco Duta Dimiliki oleh pemegang saham pengendali Sewa 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 Power Indonesia Darwin Cyril Noerhadi Komisaris Grup Medco Medco Group‟s Pinjaman yang diberikan Loans Commissioner KSU Mitra Saudara Dikelola oleh karyawan kunciControlled by Sewa 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 Dewan Komisaris, Dewan 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 NOTES TO FINANCIAL STATEMENTS SEPTEMBER 30, 2015, AND 2014 AND DECEMBER 31, 2014 Expressed in million Rupiah, unless otherwise stated Continued - 94 - 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: 30 September September 2015 Rp Juta Rp Million Aset Assets Giro pada bank lain Current accounts with other bank Woori Bank, Tokyo 125 Woori Bank, Tokyo Persentase terhadap jumlah aset 0.001 Percentage of total assets Pinjaman yang diberikan - bruto Loans - gross Dewan Komisaris dan Dewan Direksi Board of Commissioners, Directors dan karyawan kunci 2,983 and key employees PT Api Metra Palma 31,890 PT Api Metra Palma PT Medco Power Indonesia 1,037 PT Medco Power Indonesia Sonar Soni Panigoro 2,303 Sonar Soni Panigoro Roni Pramaditia 1,093 Roni Pramaditia Lainnya masing-masing di bawah Rp 1.000 1,970 Others each below Rp 1,000 41,276 Persentase terhadap jumlah aset 0.214 Percentage of total assets Biaya dibayar dimuka Prepayments PT Medco Intidinamika 326 PT Medco Intidinamika Api Metra Graha 660 Api Metra Graha 986 Persentase terhadap jumlah aset 0.005 Percentage of total assets Liabilitas Liabilities Liabilitas segera Liabilities due immediately Woori Bank, Korea - Woori Bank, Korea Persentase terhadap jumlah liabilitas 0.000 Percentage of total liabilities Simpanan dari nasabah 362,155 Deposits from customers Persentase terhadap jumlah liabilitas 2.374 Percentage of total liabilities Beban bunga yang masih harus dibayar 416 Accrued interest expense Persentase terhadap jumlah liabilitas 0.003 Percentage of total liabilities NOTES TO FINANCIAL STATEMENTS SEPTEMBER 30, 2015, AND 2014 AND DECEMBER 31, 2014 Expressed in million Rupiah, unless otherwise stated Continued - 95 - 31 Desember December 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 Pinjaman yang diberikan - bruto Loans - gross Dewan Komisaris dan Dewan Direksi Board of Commissioners, Directors dan karyawan kunci 1,094 and key employees PT Api Metra Palma 21,035 PT Api Metra Palma PT Medco Power 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 bawah 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 dimuka 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 Simpanan dari nasabah 318,105 Deposits from customers Persentase terhadap jumlah liabilitas 2.539 Percentage of total liabilities Beban bunga yang masih harus dibayar 568 Accrued interest expense Persentase terhadap jumlah liabilitas 0.005 Percentage of total liabilities NOTES TO FINANCIAL STATEMENTS SEPTEMBER 30, 2015, AND 2014 AND DECEMBER 31, 2014 Expressed in million Rupiah, unless otherwise stated Continued - 96 - Sesuai Peraturan Bank Indonesia PBINo.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 30 September 2015 dan 31 Desember 2014, jumlah pinjaman yang diberikan kepada pihak berelasi yang dijamin oleh agunan tunai adalah masing- masing sebesar Rp 41.131 juta, dan Rp6.201 juta. 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 September 30, 2015 and December 31, 2014, loans to related parties that are secured by cash collaterals amounting to Rp 41,131 million and Rp6,201 million, respectively. 30 September 30 September September 2015 September 2014 Rp Juta Rp Juta Rp Million Rp Million Pendapatan bunga Interest revenues Dewan Komisaris dan Dewan Direksi Board of Commissioners, Directors dan karyawan kunci 2,209 37 and key employees Persentase bunga terhadap jumlah pendapatan 0.193 0.015 Percentage to total interest revenues Beban bunga 10,315 532 Interest expense Persentase bunga terhadap jumlah beban 1.759 1.468 Percentage to total interest expense 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. 40. KOMITMEN DAN KONTINJENSI 40. COMMITMENTSAND CONTINGENCIES Seperti di dalam bisnis normal perbankan,Bank mempunyai komitmen dan kontinjensi. As part of normal banking business, the Bank has commitments and contingencies. Ikhtisar komitmen dan kontinjensi Bank yang dinyatakan dalam nilai kontrak setara dengan mata uang Rupiah adalah sebagai berikut: The following is a summary of the Bank ‟s commitments and contingencies at the equivalent Rupiah contractual amounts: