MANAJEMEN RISIKO KEUANGAN Lanjutan FINANCIAL RISK MANAGEMENT Continued

T he or ig in al t he f in anc ia l sta te m ent s in clu de d he re in a re i n t he I ndone sia n l anguage . P T B ANK D INAR I NDO NE S IA T b k CAT AT AN A T AS L A P O RAN K E UANG AN 31 D e se m b e r 2015 d an 2014 D is aj ik an d al am R u p ia h , k e c u al i d in y at ak a n l ai n P T B A NK DI NA R I NDON E S IA T b k N O TE S TO TH E FI N AN CI AL S T AT EM EN T S D e c em be r 31, 2015 an d 2014 E xpr e ss e d i n R u pi ah , u n le ss ot h e rw is e s ta te d 3 7 . M ANAJ E M E N RI S IK O K E U ANG AN la n ju ta n 3 7 . FI N AN CI AL R IS K M AN AG E M EN T c o n ti n u e d

b. R

is ik o p as ar l a n ju ta n

b. Ma

rk e t ri sk c o nt inue d S ec ar a ke se lu ruha n, r is ik o pa sa r di ba gi m enj adi dua ba gi an se ba ga i be rik ut : Ma rk e t ris k a s ov er al l is di vid ed i nt o t w o par ts as f ol lo w s: i R is ik o ni la i tu ka r m ata ua ng a sin g i F or eig n c ur re nc y e xpo sur e r is k 2015 A set A sse ts L ia bi li ta s L ia bi li ti es Be rs ih N et D o la r A m eri k a S eri k at 143.805.120 - 143.805.120 U ni te d S ta te s D ol la r Jum la h 143.805.120 - 143.805.120 T o ta l 2014 A set A sse ts L ia bi li ta s L ia bi li ti es Be rs ih N et D o la r A m eri k a S eri k at - - - U ni te d St at es D ol la r Jum la h - - - T ot al i i R is ik o s uku bunga i i In ter es t ri sk R is ik o s uku bunga a da la h po te ns i ke rugi an ya ng ti m bul aki ba t pe rge ra ka n s uku bunga di pa sa r y ang be rla w ana n de nga n po sis i ata u tr ans ak si B ank y ang m enga ndung ris ik o s uku bunga . Int er es t rat e ris k is th e pot ent ia l lo ss a ris in g fr om in te re st rat e m ov em ent s in th e m a rk et oppo si te t o th e B ank or t rans ac ti ons t hat c ont ai n i nt er es t rat e r is k. T ab el di ba w ah m er angkum ti ngka t suku bunga e fe kt if se ta hun unt uk R upi ah unt uk ta hun ya ng b er akhi r pa da ta ngga l 31 D es em b er 2015 da n 2014. T he ta bl e be lo w s um m ar iz es th e e ff ec ti ve in te re st r at e for th e am ount f o r th e ye ar e nde d D ec em b er 31, 2015 and 2014. included herein are in the Indonesian language. PT BANK DINAR INDONESIA Tbk CATATAN ATAS LAPORAN KEUANGAN 31 Desember 2015 dan 2014 Disajikan dalam Rupiah, kecuali dinyatakan lain PT BANK DINAR INDONESIA Tbk NOTES TO THE FINANCIAL STATEMENTS December 31, 2015 and 2014 Expressed in Rupiah, unless otherwise stated 70 37. MANAJEMEN RISIKO KEUANGAN lanjutan 37. FINANCIAL RISK MANAGEMENT continued

b. Risiko pasar lanjutan

b. Market risk continued

Secara keseluruhan, risiko pasar dibagi menjadi dua bagian sebagai berikut: Market risk as overall is divided into two parts as follows: i Risiko nilai tukar mata uang asing i Foreign currency exposure risk 2015 Aset Assets Liabilitas Liabilities Bersih Net Dolar Amerika Serikat 143.805.120 - 143.805.120 United States Dollar Jumlah 143.805.120 - 143.805.120 Total 2014 Aset Assets Liabilitas Liabilities Bersih Net Dolar Amerika Serikat - - - United States Dollar Jumlah - - - Total ii Risiko suku bunga ii Interest risk Risiko suku bunga adalah potensi kerugian yang timbul akibat pergerakan suku bunga di pasar yang berlawanan dengan posisi atau transaksi Bank yang mengandung risiko suku bunga. Interest rate risk is the potential loss arising from interest rate movements in the market opposite to the Bank or transactions that contain interest rate risk. Tabel di bawah merangkum tingkat suku bunga efektif setahun untuk Rupiah untuk tahun yang berakhir pada tanggal 31 Desember 2015 dan 2014. The table below summarizes the effective interest rate for the amount for the year ended December 31, 2015 and 2014. 2015 2014 Aset Assets Giro pada bank lain 1,30 2,84 Current accounts with other Banks Penempatan pada Bank Indonesia dan bank lain Placements with Bank Indonesia and other banks - Deposito berjangka 8,33 9,41 Time deposits - - Fasilitas simpanan Bank Indonesia 5,50 5,75 Bank Indonesia - Deposit facilty - Call money 8,12 6,10 Call money - Efek-efek Marketables securities - Sertifikat Bank Indonesia 6,69 7,02 Bank Indonesia Certificates - - Sukuk Ritel 8,50 8,75 Retail Sukuk - - Obligasi Ritel Indonesia 8,83 8,50 Indonesian Retail Bonds - Pinjaman yang diberikan 13,71 13,41 Loans Liabilitas Liabilities Simpanan nasabah Deposits from customer - Giro 4,71 5,74 Current accounts - - Tabungan 4,21 4,19 Savings - - Deposito 8,50 9,08 Time deposits - Simpanan dari bank lain Savings from other bank - Giro 4,50 - Current accounts - - Tabungan 4,50 4,24 Savings - - Deposito 8,00 9,00 Time deposits - - Call money 7,93 - Call money -