GOVERNMENT BONDS DBS Indonesia FS 2016

PT BANK DBS INDONESIA CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE FINANCIAL STATEMENTS 31 DECEMBER 2016 Expressed in millions of Rupiah, unless otherwise stated Lampiran – 544 – Schedule 11. TAGIHAN AKSEPTASI lanjutan

11. ACCEPTANCE RECEIVABLES continued b.

Berdasarkan kolektibilitas Bank Indonesia b. By collectibility as per Bank Indonesia guideline 2016 2015 Lancar 3,768,213 2,971,052 Current Kurang lancar 1,674 - Substandard 3,769,887 2,971,052 Dikurangi: Less: Cadangan kerugian Allowance for penurunan nilai 39,526 23,471 impairment losses 3,730,361 2,947,581

c. Cadangan kerugian penurunan nilai

c. Allowance for impairment losses

2016 2015 Saldo awal 23,471 25,228 Beginning balance Penyisihanpembalikan Allowancereversal selama tahun berjalan 16,055 1,755 during the year Selisih kurs penjabaran - 2 Exchange rate difference Saldo akhir 39,526 23,471 Ending balance Manajemen berpendapat bahwa jumlah cadangan kerugian penurunan nilai di atas telah memadai. The management believes that the above allowance for impairment losses is adequate. 12. PINJAMAN YANG DIBERIKAN 12. LOANS Pinjaman yang diberikan kepada pihak berelasi diungkapkan pada Catatan 30b. Informasi mengenai tingkat suku bunga diungkapkan pada Catatan 31b. Loans to related parties are disclosed in Note 30b. Information in respect of interest rates is disclosed in Note 31b.

a. Berdasarkan jenis

a. By type

2016 2015 Modal kerja 26,147,224 26,957,186 Working capital Pinjaman investasi 11,770,265 12,807,646 Investment loans Pinjaman konsumsi 2,188,525 1,402,823 Consumer loans 40,106,014 41,167,655 Dikurangi: Less: Cadangan kerugian Allowance for penurunan nilai 1,400,493 1,225,502 impairment losses 38,705,521 39,942,153 Terdiri dari: Consist of: - Pihak berelasi 23,239 33,866 Related parties - - Pihak ketiga 40,082,775 41,133,789 Third parties - 40,106,014 41,167,655 PT BANK DBS INDONESIA CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE FINANCIAL STATEMENTS 31 DECEMBER 2016 Expressed in millions of Rupiah, unless otherwise stated Lampiran – 545 – Schedule 12. PINJAMAN YANG DIBERIKAN lanjutan

12. LOANS continued a.

Berdasarkan jenis lanjutan a. By type continued Pinjaman konsumsi termasuk pinjaman karyawan sejumlah Rp 295.742 pada tanggal 31 Desember 2016 2015: Rp 244.685. Pinjaman karyawan adalah pinjaman berbunga untuk pembelian kendaraan bermotor, rumah tinggal dan keperluan lainnya, dengan jangka waktu yang bervariasi hingga maksimum 20 tahun. Pembayaran cicilan pinjaman dilakukan melalui pemotongan gaji karyawan setiap bulan. Consumer loans include loan to employees amounting to Rp 295,742 as at 31 December 2016 2015: Rp 244,685. Loans to the Bank’s employees consist of interest bearing loans intended for the acquisition of motor vehicles, housing and other purpose, which are due at various dates extending up to a period of 20 years. The loans are collected through monthly payroll deductions.

b. Berdasarkan mata uang

b. By currency

2016 2015 Rupiah 26,474,448 26,911,813 Rupiah Mata uang asing 13,631,566 14,255,842 Foreign currencies 40,106,014 41,167,655 Dikurangi: Less: Cadangan kerugian Allowance for penurunan nilai 1,400,493 1,225,502 impairment losses 38,705,521 39,942,153

c. Berdasarkan sektor ekonomi

c. By economic sector

2016 2015 Industri 13,158,583 14,373,772 Industry Perdagangan, restoran dan hotel 9,288,729 9,125,170 Trade, restaurants and hotels Pertanian dan perikanan 7,778,859 9,254,715 Agriculture and fishery Pertambangan 3,359,820 3,077,858 Mining Jasa-jasa dunia usaha 2,101,154 1,696,537 Business services Konstruksi 1,267,890 1,139,468 Construction Pengangkutan, pergudangan dan Transportation, warehousing komunikasi 825,357 896,373 and communication Listrik, gas dan air 128,097 192,564 Electricity, gas and water Lain-lain 2,197,525 1,411,198 Others 40,106,014 41,167,655 Dikurangi: Less: Cadangan kerugian Allowance for penurunan nilai 1,400,493 1,225,502 impairment losses 38,705,521 39,942,153