OBLIGASI PEMERINTAH GOVERNMENT BONDS

PT BANK DBS INDONESIA CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2011 DAN 2010 Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE FINANCIAL STATEMENTS 31 DECEMBER 2011 AND 2010 Expressed in millions of Rupiah, unless otherwise stated Lampiran – 552 – Schedule 11. TAGIHAN DAN LIABILITAS DERIVATIF lanjutan

11. DERIVATIVE RECEIVABLES AND PAYABLES

continued

b. Cadangan

kerugian penurunan nilai lanjutan

b. Allowance

for impairment losses continued Direksi berpendapat bahwa jumlah cadangan kerugian penurunan nilai di atas telah memadai. The Directors believe that the above allowance for impairment losses is adequate. 12. TAGIHAN AKSEPTASI 12. ACCEPTANCE RECEIVABLES Informasi mengenai jatuh tempo diungkapkan pada Catatan 27c. Information in report of maturities are disclosed in Note 27c.

a. Berdasarkan jenis mata uang

a. By currency

2011 2010 Rupiah Rupiah - Pihak ketiga 414,123 510,153 Third parties - Mata uang asing Foreign currencies - Pihak ketiga 2,701,663 1,264,781 Third parties - 3,115,786 1,774,934 Dikurangi: Less: Cadangan kerugian Allowance for penurunan nilai 14,636 6,745 impairment loses 3,101,150 1,768,189

b. Berdasarkan kolektibilitas Bank Indonesia

b. By collectibility as per Bank Indonesia

guideline 2011 2010 Lancar 3,115,786 1,774,934 Current Dikurangi: Less: Cadangan kerugian Allowance for penurunan nilai 14,636 6,745 impairment loses 3,101,150 1,768,189 PT BANK DBS INDONESIA CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2011 DAN 2010 Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE FINANCIAL STATEMENTS 31 DECEMBER 2011 AND 2010 Expressed in millions of Rupiah, unless otherwise stated Lampiran – 553 – Schedule 12. TAGIHAN AKSEPTASI lanjutan

12. ACCEPTANCE RECEIVABLES continued c.

Cadangan kerugian penurunan nilai c. Allowance for impairment losses 2011 2010 Saldo awal 6,745 18,275 Beginning balance Penyesuaian saldo awal Adjustment to opening sehubungan dengan balance in respect of Penerapan PSAK 55 implementation of Revisi 2006 lihat SFAS 55 Revised 2006 Catatan 24 - 11,130 refer to Note 24 Penyisihanpemulihan Allowancereversal during selama tahun berjalan 7,891 22,660 the year Saldo akhir 14,636 6,745 Ending balance Direksi berpendapat bahwa jumlah cadangan kerugian penurunan nilai di atas telah memadai. The Directors believe that the above allowance for impairment losses is adequate. 13. PINJAMAN YANG DIBERIKAN 13. LOANS Pinjaman yang diberikan kepada pihak berelasi diungkapkan pada Catatan 26b. Informasi mengenai tingkat suku bunga dan jatuh tempo diungkapkan masing-masing pada Catatan 27b dan 27c. Loans to related parties are disclosed in Note 26b. Information in respect of interest rates and maturities are disclosed in Note 27b and 27c, respectively.

a. Berdasarkan jenis

a. By type

2011 2010 Modal kerja 14,307,362 11,956,099 Working capital Pinjaman investasi 7,071,463 6,469,690 Investment loans Pinjaman konsumsi 553,082 366,815 Consumer loans Pinjaman karyawan 152,065 141,033 Loans to employees 22,083,972 18,933,637 Dikurangi: Less: Cadangan kerugian Allowance for penurunan nilai 428,294 391,036 impairment losses 21,655,678 18,542,601 Terdiri dari: Consist of: Pihak berelasi 164,140 174,063 Related parties Pihak ketiga 21,919,832 18,759,574 Third parties 22,083,972 18,933,637 Pinjaman karyawan adalah pinjaman berbunga untuk pembelian rumah tinggal dan kendaraan bermotor dengan jangka waktu yang bervariasi hingga maksimum 20 tahun. Pembayaran cicilan pinjaman dilakukan melalui pemotongan gaji karyawan setiap bulan. Loans to the Bank’s employees consist of interest bearing loans intended for the acquisition of motor vehicles and housing, which are due at various dates extending up to a period of 20 years. The loans are collected through monthly payroll deductions.