PROVISION FOR IMPAIRMENT LOSSES ON FINANCIAL ASSETS - NET

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 108

36. ASET DAN LIABILITAS DALAM VALUTA ASING lanjutan

36. ASSETS AND LIABILITIES DENOMINATED IN FOREIGN CURRENCIES continued

31 DesemberDecember 31 2015 2014 Valuta Valuta asing dalam asing dalam Nilai penuh Nilai penuh Foreign Foreign currencies Ekuivalen Rp currencies Ekuivalen Rp in full amount Equivalent Rp in full amount Equivalent Rp Liabilitas Liabilities Liabilitas segera Liabilities payable on demand Euro Eropa 176 3 3.687 56 European Euro Dolar Amerika Serikat 13.453.584 185.458 13.990.110 173.268 United States Dollar Dolar Australia 731 7 2.194 22 Australian Dollar Dolar Singapura 4.604 45 7.815 73 Singapore Dollar Yen Jepang - - 120.346 13 Japanese Yen Poundsterling Inggris 29 1 140 3 Great British Poundsterling Simpanan dari nasabah Deposits from customers - Pihak berelasi Related parties - Euro Eropa - - - - European Euro Dolar Amerika Serikat 33.545.771 462.429 13.067.412 161.840 United States Dollar Dolar Australia - - 70.034 711 Australian Dollar - Pihak ketiga Third parties - Euro Eropa 1.371.164 20.645 2.160.828 32.528 European Euro Dolar Amerika Serikat 381.396.261 5.257.548 373.591.149 4.626.927 United States Dollar Dolar Australia 2.681.945 27.044 3.724.349 37.795 Australian Dollar Dolar Singapura 11.834.118 115.489 11.995.538 112.472 Singapore Dollar Dolar Hong Kong 259.733 462 255.050 407 Hong Kong Dollar Yen Jepang 14.267.063 1.634 4.809.613 498 Japanese Yen Poundsterling Inggris 737.810 15.080 56.415 1.089 Great British Poundsterling Riyal Qatar 6.642 25 7.850 27 Riyal Qatar Simpanan dari bank-bank lain Deposits from other banks - Pihak berelasi Related parties - Dolar Amerika Serikat 203.000.000 2.798.355 150.000.000 1.857.750 United States Dollar Liabilitas akseptasi Acceptances payable Dolar Amerika Serikat 4.484.678 61.821 4.258.292 52.739 United States Dollar Beban masih harus dibayar dan liabilitas lain-lain Accruals and other liabilities Dolar Amerika Serikat 699.504 9.643 862.902 10.687 United States Dollar Dolar Hongkong 1.258 2 1.548 2 Hong Kong Dollar Euro Eropa 1.849 28 1.423 21 European Euro Dolar Singapura 9.973 97 8.997 84 Singapore Dollar Dolar Australia 4.724 48 10.850 110 Australian Dollar Yen Jepang 3.147 - 10.336 1 Japanese Yen Poundsterling Inggris 152 3 2 - Great British Poundsterling Pinjaman Subordinasi Subordinated Loan - Pihak berelasi Related parties - Dolar Amerika Serikat 70.000.000 964.950 - United States Dollar Total liabilitas 9.920.817 7.069.123 Total liabilities Total liabilitas - neto 341.144 32.667 Total liabilities - net

37. JAMINAN TERHADAP

KEWAJIBAN PEMBAYARAN BANK UMUM

37. GUARANTEES ON THE OBLIGATIONS OF COMMERCIAL BANKS

Berdasarkan Undang-Undang No. 24 tanggal 22 September 2004, efektif sejak tanggal 22 September 2005, Lembaga Penjamin Simpanan LPS dibentuk untuk menjamin kewajiban tertentu bank-bank umum berdasarkan program penjaminan yang berlaku. Based on Law No. 24 dated September 22, 2004, effective September 22, 2005, Indonesian Deposit Insurance Corporation Lembaga Penjamin SimpananLPS was established to provide guarantee on certain deposits from customers based on prevailing guarantee schemes. Total premi penjaminan yang dibayarkan untuk tahun yang berakhir tanggal 31 Desember 2015 dan 2014 masing-masing sebesar Rp41.005 dan Rp20.101. The guarantee premium paid for the years ended December, 2015 and 2014 amounted to Rp41,005 and Rp20,101, respectively. Total simpanan yang dijamin oleh LPS pada tanggal 31 Desember 2015 dan 2014 masing- masing sebesar Rp7.686.743 dan Rp2.111.652. Total deposits secured by LPS as of December, 2015 and 2014 amounted to Rp7,686,743 and Rp2,111,652, respectively. Pada tanggal 31 Desember 2015 dan 2014, tingkat suku bunga atas simpanan yang dijamin oleh LPS masing-masing sebesar 7,50 dan 7,75 untuk mata uang Rupiah, serta masing-masing sebesar 1,25 dan 1,50 untuk valuta asing. As of December 31, 2015 and 2014, interest rates of deposits secured by LPS were 7.50 and 7.75, respectively, for Rupiah currency, and 1.25 and 1.50, respectively, for foreign currency.