TUJUAN DAN Radana Finance Prospektus PUT I

241 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 97

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KEBIJAKAN MANAJEMEN RISIKO KEUANGAN lanjutan 31. FINANCIAL RISK MANAGEMENT OBJECTIVES AND POLICIES continued Risiko tingkat bunga lanjutan Interest rate risk continued Tabel di bawah ini menunjukkan instrumen keuangan Perusahaan yang dibagi atas jumlah yang dikenakan bunga dan tidak dikenakan bunga. The table belows shows the Company’s financial instruments divided into interest and non-interest bearing. 31 Desember 2014December 31, 2014 Bunga tetapFixed interest Tidak Bunga Kurang dari Lebih dari dikenakan mengambang 1 tahun 3 tahun bungaNon Floating Less than 1-3 tahun More than interest Total interest 1 year 1-3 years 3 years sensitive Total Aset keuangan Financial assets Kas dan setara kas - Cash and cash equivalents - pihak ketiga - 99.067.799 - - 9.490.064 108.557.863 third parties Piutang pembiayaan Consumer financing konsumen - neto - 1.265.806.379 1.068.814.308 - - 2.334.620.687 receivables - net Piutang lain - lain Other receivables - pihak ketiga - - - - 15.616.683 15.616.683 third parties - - pihak berelasi - - - - 861.047 861.047 a related party - Piutang derivatif - Derivative receivables - pihak ketiga - - - - 4.373.991 4.373.991 a third party Aset lain-lain - jaminan sewa - - - - 927.950 927.950 Other assets - rent deposits Total aset - 1.364.874.178 1.068.814.308 - 31.269.735 2.464.958.221 Total assets Liabilitas keuangan Financial liabilities Pinjaman - pihak ketiga 100.000.000 906.195.960 797.936.505 - - 1.804.132.465 Borrowings - third parties Utang penyalur kendaraan - Dealers payable - pihak ketiga - - - - 24.177.798 24.177.798 third parties Utang premi asuransi - Insurance premium payables - pihak ketiga - - - - 3.147.266 3.147.266 third parties Beban akrual - - - - 24.760.473 24.760.473 Accrued expenses Utang imbalan kerja Short-term employee karyawan jangka pendek - - - - 3.298.254 3.298.254 benefits liability Utang lain - lain Other payables - pihak ketiga - 4.658.768 6.684.234 - 3.022.104 14.365.106 third parties - - pihak berelasi - 20.143.422 11.008.055 9.062.088 - 40.213.565 a related party - Wesel Bayar Jangka Menengah - neto - 100.000.000 116.802.473 - - 216.802.473 Medium-term Notes - net Utang pemegang saham - - 25.000.000 77.000.000 - 102.000.000 Shareholders’ loan Total liabilitas keuangan 100.000.000 1.030.998.150 957.431.267 86.062.088 58.405.895 2.232.897.400 Total financial liabilities Neto 100.000.000 333.876.028 111.383.041 86.062.088 27.136.160 232.060.821 Net 31 Desember 2013December 31, 2013 Bunga tetapFixed interest Tidak Bunga Kurang dari Lebih dari dikenakan mengambang 1 tahun 3 tahun bungaNon Floating Less than 1-3 tahun More than interest Total interest 1 year 1-3 years 3 years sensitive Total Aset keuangan Financial assets Kas dan setara kas - Cash and cash equivalents - pihak ketiga - 6.799.542 - - 7.946.049 14.745.591 third parties Piutang pembiayaan Consumer financing konsumen - neto - 1.033.070.553 751.292.701 - - 1.784.363.254 receivables - net Piutang lain - lain Other receivables - pihak ketiga - - - - 8.830.975 8.830.975 third parties - - pihak berelasi - - - - 1.522.489 1.522.489 a related party - Piutang derivatif - Derivative receivables - pihak ketiga - - - - 914.143 914.143 a third party Aset lain-lain - jaminan sewa - - - - 655.500 655.500 Other assets - rent deposits Total aset - 1.039.870.095 751.292.701 - 19.869.156 1.811.031.952 Total assets Liabilitas keuangan Financial liabilities Pinjaman - pihak ketiga 100.000.000 791.138.207 477.680.467 - - 1.368.818.674 Borrowings - third parties Utang penyalur kendaraan - Dealers payable - pihak ketiga - - - - 17.747.956 17.747.956 third parties Utang premi asuransi - Insurance premium payables - pihak ketiga - - - - 3.233.499 3.233.499 third parties Beban akrual - - - - 16.185.003 16.185.003 Accrued expenses Utang imbalan kerja Short-term employee karyawan jangka pendek - - - - 3.259.948 3.259.948 benefits liability Utang lain - lain Other payables - pihak ketiga - 8.560.024 6.653.456 1.166.072 259.908 16.639.460 third parties - - pihak berelasi - - 41.186.567 - - 41.186.567 a related party - Wesel Bayar Jangka Menengah - neto - - 96.850.000 - - 96.850.000 Medium-term Notes - net Utang pemegang saham - - 25.000.000 - - 25.000.000 Shareholders’ loan Total liabilitas keuangan 100.000.000 799.698.231 647.370.490 1.166.072 40.686.314 1.588.921.107 Total financial liabilities Neto 100.000.000 240.171.864 103.922.211 1.166.072 20.817.158 222.110.845 Net 241 242 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 98

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