AGUNAN YANG DIAMBIL ALIH FORECLOSED ASSETS

PT BANK ARTHA GRAHA INTERNASIONAL Tbk CATATAN ATAS LAPORAN KEUANGAN Tahun yang Berakhir pada Tanggal 31 Desember 2011 Dengan Angka Perbandingan untuk Tahun 2010 Dinyatakan dalam Rupiah, kecuali dinyatakan lain Indonesian language. PT BANK ARTHA GRAHA INTERNASIONAL Tbk NOTES TO THE FINANCIAL STATEMENTS Year Ended December 31, 2011 With Comparative Figures for 2010 Expressed in Rupiah, unless otherwise stated 85 28. TAMBAHAN MODAL DISETOR - BERSIH 28. ADDITIONAL PAID-IN CAPITAL - NET Tambahan modal disetor merupakan selisih antara harga penawaran saham dengan jumlah nominal per saham seperti yang tercantum dalam anggaran dasar Perusahaan dan dikurangi dengan biaya emisi saham. Additional paid-in capital represents difference between offering price and total par value per share as stated in the Company‟s article of association and were offset with stock issuance cost. Saldo tambahan modal disetor pada tanggal 31 Desember 2011 dan 2010 masing-masing adalah sebesar Rp 418.787.232.350. The balance of additional paid-in capital amounting to Rp 418,787,232,350 as of December 31, 2011 and 2010, respectively. 29. PENDAPATAN BUNGA 29. INTEREST REVENUES 2011 2010 Kredit yang diberikan 1.318.339.199.122 1.318.216.344.438 Loans Bank Indonesia 164.693.947.890 135.682.288.041 Bank Indonesia Penempatan pada bank lain 9.828.761.835 12.297.113.902 Placements with other banks Surat-surat berharga 51.898.975.331 8.924.620.120 Securities Lain-lain - - Others Jumlah 1.544.760.884.178 1.475.120.366.501 Total 30. BEBAN BUNGA 30. INTEREST EXPENSES 2011 2010 Rupiah Rupiah Simpanan 881.581.278.746 822.102.922.020 Deposits Simpanan dari bank lain 33.379.412.423 55.381.939.259 Deposits from other banks Lainnya - - Others Jumlah dalam Rupiah 914.960.691.169 877.484.861.279 Total in Rupiah Mata Uang Asing Foreign Currency Simpanan 44.278.803.761 40.624.430.749 Deposits Simpanan dari bank lain 159.432.647 140.648.803 Deposits from other banks Lainnya 2.337.974.541 - Others Jumlah dalam Mata Uang Asing 46.776.210.949 40.765.079.552 Total in Foreign Currency Jumlah 961.736.902.118 918.249.940.831 Total 31. BEBAN TENAGA KERJA 31. PERSONNEL EXPENSES 2011 2010 Gaji 176.409.552.062 157.630.653.979 Salaries Tunjangan-tunjangan 40.600.753.010 37.068.494.402 Allowances Asuransi 8.276.488.157 8.765.241.236 Insurance Lembur 4.611.055.134 4.742.865.257 Overtime Lainnya 11.970.814.638 9.400.819.907 Others Jumlah 241.868.663.001 217.608.074.781 Total PT BANK ARTHA GRAHA INTERNASIONAL Tbk CATATAN ATAS LAPORAN KEUANGAN Tahun yang Berakhir pada Tanggal 31 Desember 2011 Dengan Angka Perbandingan untuk Tahun 2010 Dinyatakan dalam Rupiah, kecuali dinyatakan lain Indonesian language. PT BANK ARTHA GRAHA INTERNASIONAL Tbk NOTES TO THE FINANCIAL STATEMENTS Year Ended December 31, 2011 With Comparative Figures for 2010 Expressed in Rupiah, unless otherwise stated 86 32. BEBAN OPERASI 32. OPERATING EXPENSES 2011 2010 Sewa 30.114.871.354 24.109.298.972 Rent Keamanan 23.735.117.306 23.420.065.494 Security Imbalan kerja 27.254.823.683 19.736.678.230 Employee benefits Pelatihan karyawan 18.856.808.682 11.112.990.911 Training Jasa profesional 9.522.649.366 9.601.109.005 Professional fee Komunikasi 8.942.770.405 8.561.947.482 Communication Pemeliharaan 6.843.843.697 10.604.250.224 Maintenance Barang cetakan 5.024.421.804 5.100.492.841 Printing Alat tulis kantor 3.509.765.090 3.723.190.638 Stationery Perjalanan dinas 3.690.678.334 3.570.711.917 Transportation Asuransi 1.593.816.224 1.657.459.837 Insurance Listrik, gas dan air 26.752.880 10.280.021.150 Electricity, gas and water Lain-lain 87.140.222.625 74.014.778.932 Others Jumlah 226.256.541.450 205.492.995.633 Total 33. BEBAN UMUM DAN ADMINISTRASI 33. GENERAL AND ADMINISTRATIVE EXPENSES 2011 2010 Pemeliharaan 34.559.899.707 35.300.866.399 Maintenance Pemasaran 21.806.208.203 25.423.104.363 Marketing Penyusutan Catatan 14 15.436.025.934 18.272.246.188 Depreciation Note 14 Amortisasi 1.144.892.591 1.276.189.561 Amortization Jumlah 72.947.026.435 80.272.406.511 Total 34. PAJAK PENGHASILAN 34. INCOME TAX Manfaat beban pajak penghasilan terdiri dari: Income tax benefit expense consist of: 2011 2010 Pajak kini 33.156.543.200 28.858.059.200 Current tax Pajak tangguhan 7.848.279.910 5.023.790.561 Deferred tax Beban Pajak Penghasilan - Bersih 25.308.263.290 33.881.849.761 Income Tax Expense - Net