USE Annual Report Bank Artha Graha 2015 final lowres

PT BANK ARTHA GRAHA INTERNASIONAL Tbk CATATAN ATAS LAPORAN KEUANGAN Tanggal 31 Desember 2015 dan Untuk Tahun yang Berakhir pada Tanggal Tersebut Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain PT BANK ARTHA GRAHA INTERNASIONAL 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 66 5. GIRO PADA BANK INDONESIA lanjutan 5. CURRENT ACCOUNTS WITH BANK INDONESIA continued Pada tanggal 26 November 2015, Bank Indonesia menerbitkan PBI No. 1721PBI2015 tentang Perubahan Kedua atas PBI No. 1515PBI2013 tentang Giro Wajib Minimum Bank Umum dalam Rupiah dan Valuta Asing Bagi Bank Umum Konvensional. Berdasarkan peraturan tersebut, GWM Primer dalam Rupiah berubah dari sebesar 8 menjadi sebesar 7,5 dari DPK dalam Rupiah. PBI tersebut mulai berlaku pada tanggal 1 Desember 2015. On November 26, 2015, Bank Indonesia issued PBI No. 1721PBI2015 on The Second Change of PBI No. 1515PBI2013 on Commercial Bank‟s Minimum Reserve Requirement in Rupiah and Foreign Currency for Conventional Commercial Banks. Based on the regulation, the Primary Minimum Statutory Reserves in Rupiah was changed from 8 to become 7.5 of TPF in Rupiah. The PBI was effective since December 1, 2015. GWM Primer adalah simpanan minimum yang wajib dibentuk oleh Bank dalam bentuk saldo rekening giro pada Bank Indonesia, sedangkan GWM Sekunder adalah cadangan minimum yang wajib dibentuk oleh Bank be rupa Sertifikat Bank Indonesia “SBI”, Surat Utang Negara “SUN” danatau kelebihan saldo Rekening Giro Rupiah Bank dari GWM Primer dan GWM Loan to Funding Ratio “LFR” yang disimpan di Bank Indonesia. GWM LFR adalah tambahan simpanan minimum yang wajib dipelihara oleh Bank dalam bentuk saldo Rekening Giro pada Bank Indonesia, jika LFR Bank di bawah minimum LFR target Bank Indonesia 78 atau jika di atas maksimum LFR target Bank Indonesia 92 dan Kewajiban Penyediaan Modal Minimum KPMM Bank lebih kecil dari KPMM Insentif Bank Indonesia sebesar 14. Primary statutory reserve is a minimum reserves that should be maintained by the Bank in the current accounts with Bank Indonesia while secondary statutory reserve is a minimum reserves that should be maintained by the Bank which comprises of Certificates of Bank Indonesia “SBI”, Government Debenture Debt “SUN” andor excess reserve of the Bank‟s current accounts from The Primary Statutory Reserve and Loan to Funding Ratio “LFR” Statutory Reserve that should be maintained in Bank Indonesia. The Minimum Statutory Reserve on LFR is the additional reserve that should be maintained by the Bank in the form of Current Accounts with Bank Indonesia, if the Bank‟s LFR is below the minimum of LFR targeted by Bank Indonesia 78 or if the Bank‟s LFR above the maximum of LFR targeted by Bank Indonesia 92 and the Bank‟s Capital Adequacy Ratio CAR is below than Bank Indonesia ‟s CAR Incentives requirement of 14. Rasio Giro Wajib Minimum GWM Bank pada tanggal 31 Desember 2015 dan 2014 adalah sebagai berikut: The Bank‟s Minimum Statutory Reserves ratio as of December 31, 2015 and 2014 are as follows: 2015 2014 Rupiah Rupiah GWM Primer 7,71 8,03 Primary GWM GWM Sekunder 11,76 11,67 Secondary GWM Dolar Amerika Serikat 9,89 8,41 United States Dollar Pada tanggal 31 Desember 2015 dan 2014, Bank telah memenuhi ketentuan Bank Indonesia mengenai GWM. As of December 31, 2015 and 2014, the Bank has complied with Bank Indonesia regulation on the GWM. Pada tanggal 31 Desember 2015 dan 2014, Loan to Funding Ratio LFR Bank lebih kecil dari batas atas LFR target dan Kewajiban Penyediaan Modal Minimum KPMM Bank lebih besar dari KPMM Insentif Bank Indonesia. On December 31, 2015 and 2014, the Bank‟s Loan to Funding Ratio LFR was lower than the upper limit of the target LFR and the Bank‟s Capital Adequacy Ratio CAR was greater than Bank Indonesia‟s CAR Incentives. PT BANK ARTHA GRAHA INTERNASIONAL Tbk CATATAN ATAS LAPORAN KEUANGAN Tanggal 31 Desember 2015 dan Untuk Tahun yang Berakhir pada Tanggal Tersebut Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain PT BANK ARTHA GRAHA INTERNASIONAL 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 67

6. GIRO PADA BANK LAIN

6. CURRENT ACCOUNTS WITH OTHER BANKS

a. Berdasarkan mata uang dan bank a. By currency and bank 2015 2014 Rupiah Rupiah PT Bank Central Asia Tbk, Jakarta 24.613 12.028 PT Bank Central Asia Tbk, Jakarta PT Bank Maybank Indonesia Tbk dahulu PT Bank Internasional Indonesia Tbk, Jakarta 2.170 2.062 PT Bank Maybank Indonesia Tbk formerly PT Bank Internasional Indonesia Tbk, Jakarta PT Bank CIMB Niaga Tbk, Jakarta 4 3 PT Bank CIMB Niaga Tbk, Jakarta Lain-lain 70 60 Others 26.857 14.153 Dolar Amerika Serikat United States Dollar Standard Chartered Bank, New York 265.120 187.801 Standard Chartered Bank, New York PT Bank ICBC Indonesia, Jakarta 120.810 - PT Bank ICBC Indonesia, Jakarta PT Bank Central Asia Tbk, Jakarta 101.481 19.909 PT Bank Central Asia Tbk, Jakarta PT Bank Mandiri Persero Tbk, Jakarta 100.910 34.572 PT Bank Mandiri Persero Tbk, Jakarta PT Bank Negara Indonesia, New York 5.226 4.698 PT Bank Negara Indonesia, New York Bank of China, Jakarta 4.635 4.983 Bank of China, Jakarta Kookmin Bank, Korea Selatan 880 852 Kookmin Bank, South Korea Standard Chartered Bank, Hong Kong 414 372 Standard Chartered Bank, Hong Kong 599.476 253.187 Dolar Singapura Singapore Dollar Standard Chartered Bank, Singapura 31.652 8.090 Standard Chartered Bank, Singapore PT Bank UOB Indonesia Tbk, Jakarta 26.238 4.452 PT Bank UOB Indonesia Tbk, Jakarta United Overseas Bank Ltd., Singapura 6.857 223 United Overseas Bank Ltd., Singapore 64.747 12.765 Euro Eropa European Euro Standard Chartered Bank, Jerman 2.860 1.873 Standard Chartered Bank, Germany PT Bank ICBC Indonesia, Jakarta 1.449 - PT Bank ICBC Indonesia, Jakarta Indover Bank, Amsterdam 310 310 Indover Bank, Amsterdam 4.619 2.183 Dolar Australia Australian Dollar Commonwealth Bank, Australia 913 - Commonwealth Bank, Australia PT Bank Central Asia Tbk, Jakarta 570 510 PT Bank Central Asia Tbk, Jakarta 1.483 510 Poundsterling Inggris Great Britain Poundsterling Standard Chartered Bank, London 689 1.670 Standard Chartered Bank, London Yen Jepang Japanese Yen Sumitomo Mitsui Banking Corporation, Tokyo 204 249 Sumitomo Mitsui Banking Corporation, Tokyo Dolar Hong Kong Hong Kong Dollar Standard Chartered Bank, Hong Kong 174 179 Standard Chartered Bank, Hong Kong