KREDIT YANG DIBERIKAN LOANS

PT BANK QNB INDONESIA TBK CATATAN ATAS LAPORAN KEUANGAN Tanggal 31 Desember 2015 dan untuk Tahun yang Berakhir pada Tanggal Tersebut Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain PT BANK QNB INDONESIA TBK NOTES TO THE FINANCIAL STATEMENTS As of December 31, 2015 and for the Year Then Ended Expressed in millions of Rupiah, unless otherwise stated 89 18. SIMPANAN DARI NASABAH lanjutan 18. DEPOSITS FROM CUSTOMERS continued Saldo deposito berjangka berdasarkan periodenya: The amount of time deposits based on period: 31 DesemberDecember 31, 2015 31 DesemberDecember 31, 2014 Valuta asing Valuta asing Foreign Foreign Rupiah currencies Total Rupiah currencies Total ≤ 1 bulan 3.714.421 3.673.816 7.388.237 4.353.664 2.174.433 6.528.097 ≤ 1 month 1 - 3 bulan 4.821.729 1.022.679 5.844.408 3.453.641 160.406 3.614.047 1 - 3 months 3 - 6 bulan 794.639 143.550 938.189 738.235 92.492 830.727 3 - 6 months 6 - 12 bulan 61.944 4.221 66.164 55.585 2.502 58.087 6 - 12 months On call 1.665.847 595.312 2.261.159 988.351 996.439 1.984.790 On call Total 11.058.580 5.439.578 16.498.157 9.589.476 3.426.272 13.015.748 Total Informasi mengenai jatuh tempo simpanan dari nasabah diungkapkan pada Catatan 3d. Informasi mengenai klasifikasi dan nilai wajar simpanan dari nasabah diungkapkan pada Catatan 32. Simpanan dari pihak berelasi diungkapkan pada Catatan 34. Information in respect of maturities of deposits from customers is disclosed in Note 3d. Information regarding the classification and fair value of deposits from customers is disclosed in Note 32. Deposits from related parties are disclosed in Note 34. 19. SIMPANAN DARI BANK-BANK LAIN 19. DEPOSITS FROM OTHER BANKS 31 DesemberDecember 31 2015 2014 Rupiah Rupiah Pihak berelasi Related party Giro 616 618 Demand deposits Pihak ketiga Third parties Giro 3.640 2.962 Demand deposits Deposit on call - 2.000 Deposit on call Deposito berjangka 1.500 - Time deposits Interbank call money 375.000 - Interbank call money 380.756 5.580 Valuta asing Foreign currency Pihak berelasi Related party Interbank call money 2.688.075 1.857.750 Interbank call money Pihak ketiga Third parties Interbank call money 110.280 - Interbank call money Total 3.179.111 1.863.330 Total Saldo deposito berjangka, deposit on call dan interbank call money berdasarkan periodenya: The amounts of time deposits, deposit on call and interbank call money based on its period: 31 DesemberDecember 31 2015 2014 ≤ 1 bulan 3.172.805 2.000 ≤ 1 month 1 - 3 bulan 2.051.400 1.857.750 1 - 3 months Total 3.174.855 1.859.750 Total Pada tanggal-tanggal 31 Desember 2015 dan 2014, tidak ada simpanan dari bank-bank lain yang dijadikan jaminan. As of December 31, 2015 and 2014, there were no deposits from other banks pledged as collateral. Informasi mengenai jatuh tempo simpanan dari bank-bank lain diungkapkan pada Catatan 3d. Informasi mengenai klasifikasi dan nilai wajar simpanan dari bank-bank lain diungkapkan pada Catatan 32. Simpanan dari pihak berelasi diungkapkan pada Catatan 34. Information in respect of maturities of deposits from other banks is disclosed in Note 3d. Information regarding the classification and fair value of deposits from other banks is disclosed in Note 32. Deposits from related parties are disclosed in Note 34. PT BANK QNB INDONESIA TBK CATATAN ATAS LAPORAN KEUANGAN Tanggal 31 Desember 2015 dan untuk Tahun yang Berakhir pada Tanggal Tersebut Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain PT BANK QNB INDONESIA TBK NOTES TO THE FINANCIAL STATEMENTS As of December 31, 2015 and for the Year Then Ended Expressed in millions of Rupiah, unless otherwise stated 90 20. PAJAK PENGHASILAN 20. INCOME TAX a. Utang pajak penghasilan terdiri dari: a. Income tax payable consisted of: 31 DesemberDecember 31 2015 2014 2013 PPh pasal 29 2.401 20.402 - Income tax Article 29 b. Beban pajak penghasilan terdiri dari: b. The components of income tax expense are as follows: Tahun yang berakhir pada tanggal 31 DesemberYears ended December 31 2015 2014 2013 Pajak kini 18.635 20.588 - Current tax Pajak tangguhan 34.254 20.715 2.140 Deferred tax Total 52.889 41.303 2.140 Total c. Berdasarkan Undang-Undang perpajakan di Indonesia, Bank menghitung dan melaporkanmenyetorkan pajak berdasarkan sistem self-assesment. Fiskus dapat menetapkanmengubah pajak-pajak tersebut dalam jangka waktu tertentu sesuai peraturan yang berlaku. c. Under the Indonesian taxation laws, the Bank submits tax returns on a self-assessment basis. The tax authorities may assessamend taxes within the statute of limitations under prevailing regulations. d. Rekonsiliasi antara laba sebelum beban pajak penghasilan yang disajikan dalam laporan laba rugi dan penghasilan komprehensif dengan laba kena pajak untuk tahun yang berakhir pada tanggal-tanggal 31 Desember 2015, 2014 dan 2013 adalah sebagai berikut : d. The reconciliation between income before income tax expense as presented in the statement profit or loss and other comprehensive income and taxable income for the years ended December 31, 2015, 2014 and 2013 are as follows: 2015 2014 2013 Laba sebelum beban Income before Pajak penghasilan 208.935 162.828 6.726 income tax expense Beda temporer: Temporary differences: Imbalan pasca-kerja 20.805 13.745 8.592 Post-employment benefits Bonus dan tunjangan yang masih harus dibayar 7.093 11.462 7.090 Accrued bonus and allowances Penyusutan aset tetap 483 589 1.301 Depreciation of fixed assets Pendapatan bunga yang ditangguhkan Deferred interest income and dan biaya transaksi - - 11.363 transaction costs Cadangan kerugian penurunan Allowance for impairment Nilai kredit 169.368 70.477 49.771 losses on loans Lain-lain 4.936 1.773 1.783 Others 137.017 46.454 44.970 Beda permanen: Permanent differences: Bentuk natura dan kenikmatan 1.722 1.606 1.306 Benefits in kind Pajak penghasilan dan denda - - 289 Income tax and penalties Beban promosi lainnya 777 714 136 Other promotion expenses Lain-lain 123 66 103 Others 2.622 2.386 1.834 Taksiran laba rugi fiskal 74.540 118.760 36.410 Estimated tax income loss Kompensasi rugi fiskal Tax losses carried forward tahun sebelumnya 2013 - 36.410 - from prior year 2013 Laba rugi kena pajak 74.540 82.350 36.410 Taxable income loss Beban pajak penghasilan badan 18.635 20.588 - Current income tax expense Dikurangi : pajak penghasilan dibayar dimuka 16.234 186 - Less : prepayment of income tax Liabilitas pajak kini 2.401 20.402 - Current tax liability