PT Bank Mandiri Persero, Tbk. PT Bank CIMB Niaga, Tbk. PT Bank CIMB Niaga, Tbk.

PT WIJAYA KARYA PERSERO, Tbk. PT WIJAYA KARYA PERSERO, Tbk. DAN ENTITAS ANAK AND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN NOTES TO CONSOLIDATED FINANCIAL STATEMENTS Untuk periode yang berakhir tanggal 30 Juni 2014 dan 31 Desember 2013 For the period ended June 30, 2014 and December 31, 2013 Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain Expressed in thousand Rupiah, unless otherwise stated 2. 2. 3. 3. 4. 4. 5. 5. 6. 6. a. a. b. b. c. c. d. d. e. e. - - - - - PT WIKA INDUSTRI KONSTRUKSI PT WIKA INDUSTRI KONSTRUKSI a. PT Bank CIMB Niaga, Tbk. a. PT Bank CIMB Niaga, Tbk. 3. 3. Fasilitas berlaku sampai dengan 14 Juli 2014 . . Credit validity period up to July 14, 2014 . Agunan atas perjanjian tersebut adalah sebagai berikut: The collateral for these agreements are as follows: APHT atas HGB No.032, 033, 037, 038, 047 dan 048 atas nama PT Wika Realty di Curug, Sawangan, Depok Jawa Barat. APHT on HGB No.032, 033, 037, 038, 047 and 048 on behalf of PT Wika Realty located at Curug, Sawangan, Depok, West Java. Fasilitas Pinjaman Rekening Koran sebesar Rp3.000.000.000 nilai penuh. Overdraft Loan Facility amounting to Rp3,000,000,000 full amount. Tingkat suku bunga sebesar 11 per tahun subject to review . Fasilitas Bank Garansi dengan jumlah sebesar Rp20.000.000.000 nilai penuh - revolving basis. Bank guarantee facility amounting to Rp20,000,000,000 full amount - revolving basis. The interest rate at 11 per annum subject to review. Pembagian dividen Dividend distribution - Membuat hutang baru ke Bank lain dan atau institusi keuangan lainnya. Create a new debt to another bank or other financial institutions. Pada tanggal 13 Maret 2013 perusahaan telah menandatangani Perjanjian Perubahan Dan Pernyataan Kembali Perjanjian Kredit No. 246AMDCBJKT2013 dimana perusahaaan telah mendapatkan fasilitas kredit dari PT Bank CIMB Niaga, Tbk. berupa: On March 13, 2013 the company has signed an Agreement Amendment and Restatement of Credit Agreement No.246AMDCBJKT2013 where the company have obtained a credit facility from PT Bank CIMB Niaga, Tbk. as follows: Akta Fidusia No.7 tanggal 7 Desember 2007 atas tagihan piutang milik PT Wika Realty kepada Pihak Ketiga. Fidusiary No.7 dated, December 7, 2007 on Trade Receivables PT Wika Realty to third parties. Dalam perjanjian kredit terdapat negative convenants , yaitu perusahaan wajib memberitahukan secara tertulis kepada bank jika: The loan agreement contained a negative covenants, which the company must notify the bank if: Merubah anggaran dasar dan susunan pemegang Changing the constitution and shareholding structure APHT atas HGB No.21, 25, 35, 39, 46, 59, 60 dan 65 atas nama PT Wika Realty di Curug, Sawangan, Depok Jawa Barat. APHT on HGB No.21, 25, 35, 39, 46, 59, 60 and 65 on behalf of PT Wika Realty located at Curug, Sawangan, Depok, West Java. APHT atas HGB No.2108 PT Wika Realty di Desa Gunung Samarinda, Balikpapan Utara, Kalimantan Timur. APHT on HGB No.2108 on behalf of PT Wika Realty located at Gunung Samarinda, North Balikpapan, East Kalimantan. Fidusia atas Rekening Peminjam, berdasarkan Akta No.22 tanggal 14 Juni 2006. Fiduciary on Debtor’s account, based Fidusiary Deed No.22 dated June 14, 2006. 5. Perjanjian dijamin dengan aset perusahaan berupa tanah, bangunan, persediaan, mesin produksi dan piutang yang terkait dengan bisnis automotif. 5. The agreement is secured by company assets such as land, buildings, inventory, production machinery and receivables related to the automotive business. Dalam perjanjian kredit dengan PT Bank CIMB Niaga, Tbk. terdapat negative covenant antara lain: In a loan agreement with PT Bank CIMB Niaga, Tbk. there are negative covenants, among others: 4. Masa berlaku perjanjian adalah sampai dengan 14 Maret 2015 . 4. The validity period of the agreement until March 14, 2015 . 1. Fasilitas Bank Garansi BG - Revolving Basis - senilai maksimal Rp125.000.000.000 nilai penuh dengan tingkat bunga sebesar 11.5 per tahun. 1. Facilities Bank Guarantee BG - Revolving Base - to a maximum of Rp125,000,000,000 full amount with interest rate of 11.5 per annum. 2. Fasilitas Pinjaman Rekening Koran PRK senilai maksimal Rp5.000.000.000 nilai penuh dengan tingkat bunga 11 per tahun. 2. Loan Facility Account PRK to a maximum of Rp5,000,000,000 full amount at an interest rate of 11 per annum. Fasilitas SKBDN, untukpenerbitan SKBDN dengan nilai kredit maksimal Rp125.000.000.000 nilai penuh Facility SKBDN for publishing SKBDN with a maximum credit value Rp125,000,000,000 full amount 87 PT WIJAYA KARYA PERSERO, Tbk. PT WIJAYA KARYA PERSERO, Tbk. DAN ENTITAS ANAK AND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN NOTES TO CONSOLIDATED FINANCIAL STATEMENTS Untuk periode yang berakhir tanggal 30 Juni 2014 dan 31 Desember 2013 For the period ended June 30, 2014 and December 31, 2013 Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain Expressed in thousand Rupiah, unless otherwise stated - - - - - - - -

b. PT Bank Danamon Indonesia, Tbk.

b. PT Bank Danamon Indonesia, Tbk.

1. 1. 2. 2. 3. 3. 4. 4. - - - - - - - -

c. PT Bank DBS Indonesia

c. PT Bank DBS Indonesia

1. 1. 2. 2. 3. 3. Tingkat suku bunga per tahun sebesar cost of fund pada bank ditambah 2,5 The interest rate per annum amounting to cost of funds in bank plus 2.5 . Masa berlaku perjanjian kredit sampai dengan 22 Maret 2014 dalam proses perpanjangan. The validity period of the loan agreement until March 22, 2014 renewal process. Agunan atas perjanjian tersebut berupa kontrak jual beli. Collateral for the agreement of sale and purchase contract. Menyerahkan Laporan Keuangan 3 bulanan Inhouse Figure, termasuk laporan persediaan, piutang dagang dan hutang dagang paling lambat 90 hari sejak tanggal laporan dan Laporan Keuangan Tahunan Audited paling lambat 180 hari sejak tanggal pelaporan. Submit a 3-month Financial Report Inhouse Figure, including inventory reports, accounts receivable and payable no later than 90 days from the date of the report and the Audited Annual Financial Report no later than 180 days from the date of reporting. PT Wika Industri Konstruksi memperoleh fasilitas kredit dari PT Bank Danamon Indonesia Tbk sesuai surat perjanjian kredit No.079PPWKOTFCBDIV2013 tanggal 17 April 2013 dengan ketentuan sebagai berikut: PT Wika Industri Konstruksi obtain credit facilities from PT Bank Danamon Indonesia Tbk according No.079PPWKOTFCBDIV2013 letter of credit agreement dated April 17, 2013 with the following conditions: Fasilitas Uncommitted Omnibus Trade Finance dengan limit kredit sebesar Rp40.000.000.000 nilai penuh Uncommitted Omnibus Trade Finance Facility with a credit limit of Rp40,000,000,000 full amount. Debitur harus menjaga kepemilikan saham Perseroan di PT Wika Industri Konstruksi minimal 78,40 Debtor shall maintain ownership of the shares of the Company in PT Wika Industri Konstruksi at least Debitur harus memberi pemberitahuan secara tertulis kepada Bank apabila terdapat perubahan Anggaran Dasar Perusahaan, Susunan pemegang saham, susunan direksi dan membuat hutang baru ke bank lainnya. Debtor are required to give notice in writing to the Bank if there are amendments to the Articles of Association, Structure of shareholders, directors and make new loans to banks other institution. Appraisal atas aset-aset yang dijaminkan dilakukan sekurang-kurangnya 1 kali dalam setahun. Appraisal of assets pledged to do at least 1 times a year. Fasilitas yang diberikan adalah Fasilitas Non Cash Loan untuk pembiayaan import dengan limit Rp50.000.000.000 nilai penuh dan USD500.000 nilai penuh. The facilities provided are non Cash Loan Facility for financing imports with a limit of Rp50,000,000,000 full amount and USD500,000 full amount Masa berlaku perjanjian kredit terhitung sampai dengan 7 Agustus 2014. The validity period of the loan agreement up to August 7, 2014. Agunan atas perjanjian tersebut berupa jaminan fidusia atas tagihan dari kontrak tertentu yang di biayai oleh bank dan jaminan deposito. Collateral for the agreement in the form of fiduciary on bills of certain contracts financed by the banks and guarantee deposits. Debt Service Coverage Ratio DSCREBITDA minimum 2 dua kali. Minimum Debt Service Coverage Ratio DSCREBITDA is 2 times. Perusahaan memberitahukan kepada Bank jika terjadi merger, menjual atau menyewakan sejumlah asset dengan nilai signifikan, perubahan anggaran dasar dan susuan pengurus serta struktur kepemilikan saham perusahaan. Companies notify the Bank in case of mergers, sell or lease a number of assets with significant value, changes in statutes and wet nurse administrators as well as the ownership structure of company stock. PT Wika Industri Konstruksi memperoleh perpanjangan fasilitas kredit dari PT Bank DBS Indonesia sesuai surat perubahan ketiga atas perjanjian fasilitas perbankan No.5778PFPA-DBSIIX2013 tanggal 07 Oktober 2013 dengan ketentuan sebagai berikut: PT Wika Industri Konstruksi obtain amandment credit facilities from PT Bank DBS Indonesia ordered the third change of letter agreement banking facility No. 5778PFPA-DBSIIX2013 dated October 07, 2013 with the following conditions: Dalam perjanjian kredit dengan PT Bank Danamon Indonesia, Tbk. terdapat negative covenant antara lain: In a loan agreement with PT Bank Danamon Indonesia, Tbk. there are negative covenants, among others: Current Ratio minimum 1 satu kali . Minimum Current Ratio is 1 one time . Total Debt to Equity maksimum 2 dua kali. Maximum Total Debt to Equity Ratio is 2 times. 88