PINJAMAN lanjutan BORROWINGS continued BEBAN AKRUAL ACCRUED EXPENSES

215 Indonesian language. PT RADANA BHASKARA FINANCE Tbk DAHULU PT HD FINANCE Tbk CATATAN ATAS LAPORAN KEUANGAN Tanggal 31 Desember 2014 dan 2013 dan untuk Tahun yang Berakhir pada Tanggal-tanggal Tersebut Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain PT RADANA BHASKARA FINANCE Tbk FORMERLY PT HD FINANCE Tbk NOTES TO THE FINANCIAL STATEMENTS As of December 31, 2014 and 2013 and for the Years Then Ended Expressed in thousands of Rupiah, unless otherwise stated 71 11. PINJAMAN lanjutan 11. BORROWINGS continued Pembiayaan bersama lanjutan Joint financing continued 2015 2016 2017 Total Pinjaman bank lanjutan: Bank loans continued: PT Bank Maybank Syariah PT Bank Maybank Syariah Indonesia 26.250.561 13.087.283 4.889.396 44.227.240 Indonesia PT Bank Pan Indonesia Tbk 24.561.142 9.645.417 - 34.206.559 PT Bank Pan Indonesia Tbk PT Bank Muamalat PT Bank Muamalat Indonesia Tbk 19.981.179 13.609.529 517.406 34.108.114 Indonesia Tbk PT Bank Commonwealth 26.291.556 - - 26.291.556 PT Bank Commonwealth PT Bank Central Asia Tbk 2.299.212 - - 2.299.212 PT Bank Central Asia Tbk Sub-total 957.955.741 534.758.520 140.562.877 1.633.277.138 Sub-total Cerukanrekening koran: Overdrafts: PT Bank Pan Indonesia Tbk - - - - PT Bank Pan Indonesia Tbk PT Bank Central Asia Tbk - - - - PT Bank Central Asia Tbk Bank of China Limited, Bank of China Limited, Cabang Jakarta - - - - Jakarta Branch PT Bank Permata Tbk - - - - PT Bank Permata Tbk Sub-total - - - - Sub-total Pembiayaan bersama: Joint financing: PT Bank Mandiri PT Bank Mandiri Persero Tbk 28.594.090 19.014.386 5.532.488 53.140.964 Persero Tbk PT Bank CIMB Niaga Tbk 27.977.948 15.916.938 2.452.532 46.347.418 PT Bank CIMB Niaga Tbk PT Bank Rakyat Indonesia PT Bank Rakyat Indonesia Persero Tbk 31.916.120 8.222.531 - 40.138.651 Persero Tbk PT Bank Muamalat PT Bank Muamalat Indonesia Tbk 19.348.144 9.044.184 2.835.966 31.228.294 Indonesia Tbk Sub-total 107.836.302 52.198.039 10.820.986 170.855.327 Sub-total Total 1.065.792.043 586.956.559 151.383.863 1.804.132.465 Total Pada tanggal 31 Desember 2014 dan 2013, Perusahaan telah memenuhi batasan-batasan yang diwajibkan dalam seluruh perjanjian- perjanjian pinjaman tersebut. As of December 31, 2014 and 2013, the Company has complied with the loan covenants under these loan agreements. 12. BEBAN AKRUAL 12. ACCRUED EXPENSES Rincian beban akrual adalah sebagai berikut: The details of accrued expenses are as follows: 31 Desember 2014 31 Desember 2013 December 31, 2014 December 31, 2013 Bunga pinjaman bank 8.671.379 5.793.632 Interest on bank loans Komisi 6.978.251 6.539.390 Commissions Bunga Wesel Bayar Jangka Interest on Medium-Term Notes Menengah Catatan 14 4.937.109 1.666.667 Note 14 Iklan dan promosi 1.580.022 792.971 Advertising and promotions Perizinan 710.945 - Licences Jasa tenaga ahli 636.621 482.462 Professional fees Bunga utang pihak berelasi Interest on a related party’s loans Catatan 13 dan 26d 285.907 73.381 Notes 13 and 26d Telepon, fax dan jaringan 282.810 117.590 Telephone, fax and network Bunga utang pemegang saham Interest on shareholders’ loan Catatan 15 dan 26d 226.042 190.442 Notes 15 and 26d Jasa pengambilan uang 132.902 171.111 Cash pick-up services Perlengkapan kantor 82.023 134.603 Office supplies Lain-lain 236.462 222.754 Others Total 24.760.473 16.185.003 Total 215 216 Indonesian language. PT RADANA BHASKARA FINANCE Tbk DAHULU PT HD FINANCE Tbk CATATAN ATAS LAPORAN KEUANGAN Tanggal 31 Desember 2014 dan 2013 dan untuk Tahun yang Berakhir pada Tanggal-tanggal Tersebut Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain PT RADANA BHASKARA FINANCE Tbk FORMERLY PT HD FINANCE Tbk NOTES TO THE FINANCIAL STATEMENTS As of December 31, 2014 and 2013 and for the Years Then Ended Expressed in thousands of Rupiah, unless otherwise stated 72 13. UTANG LAIN-LAIN 13. OTHER PAYABLES