PENDAPATANBEBAN BUKAN OPERASIONAL INCOMEEXPENSES NON-OPERATIONAL

bk bat and 20.000.000.000 30.000.000.000 ony 8.963.924.660 a 8.562.764.468 4.054.115.696 a and ta A R ul 51.226.147.087 46.162.643.514 l lasi as 853.470.182 897.152.765 ounts 5.877.121.502 5.123.737.881 gs 112.186.412.599 117.954.757.828 it 118.917.004.283 123.975.648.474 l dap of 592.701.455 398.956.571 oans 592.701.455 398.956.571 l 8.353.514.344 3.384.225.370 g bank 8.353.514.344 .384.225.370 l ban f is ksi and - ngan s The original the financial statements 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 63 34. SEGMEN OPERASI 34. SEGMENT OPERATION Bank melaporkan segmen wilayah geografis sebagai informasi segmen utama. The bank reported geographical segment as its primary segment information. 31 Desember 2015 DKI Jakarta Jawa Timur Jumlah Pendapatan bunga 175.346.786.354 10.110.317.501 185.457.103.855 Interest income Beban bunga 115.736.887.333 3.839.826.438 119.576.713.771 Interest expense Pendapatan bunga–bersih 59.609.899.021 6.270.491.063 65.880.390.084 Interest income–Net Pendapatan operasional lainnya 2.300.202.543 168.668.044 2.468.870.587 Other Operating Income Beban gaji dan tunjangan 23.906.870.212 1.130.505.093 25.037.375.305 Salaries and Allowance Beban umum dan administrasi 26.092.309.783 977.148.494 27.069.458.277 General and Administrative Expense Pembentukan cadangan kerugian 106.386.281 162.205.977 268.592.258 Allowance for losses Laba operasional 11.804.535.288 4.169.299.543 15.973.834.831 Operational Profit Laba rugi bersih 12.804.035.998 1.215.099.375 14.019.135.373 Profit loss–Net Jumlah asset 1.980.472.875.984 93.196.750.072 2.073.669.626.056 Total assets Jumlah liabilitas 1.576.792.248.943 64.196.352.538 1.640.988.601.481 Total liabilities 31 Desember 2014 DKI Jakarta Jawa Timur Jumlah Pendapatan bunga 119.257.307.489 5.296.545.982 124.553.853.471 Interest income Beban bunga 83.692.458.158 2.431.959.210 86.124.417.368 Interest expense Pendapatan bunga–bersih 35.564.849.331 2.864.586.772 38.429.436.103 Interest income–Net Pendapatan operasional lainnya 2.037.543.439 88.996.648 2.126.540.087 Other Operating Income Beban gaji dan tunjangan 18.425.654.473 797.339.893 19.222.994.366 Salaries and Allowance Beban umum dan administrasi 17.168.083.878 896.746.837 18.064.830.715 General and Administrative Expense Pembentukan cadangan kerugian 260.212.411 - 260.212.411 Allowance for losses Laba operasional 1.748.442.008 1.259.496.690 3.007.938.698 Operational Profit Laba rugi bersih 3.266.342.893 195.342.722 3.071.000.171 Profit loss–Net Jumlah aset 1.571.319.421.831 70.106.068.939 1.641.425.490.770 Total assets Jumlah liabilitas 1.195.813.355.563 26.521.168.202 1.222.334.523.765 Total liabilities

35. JAMINAN PEMERINTAH TERHADAP KEWAJIBAN PEMBAYARAN UMUM

35. GOVERNMENT GUARANTEE ON OBLIGATIONS OF COMMERCIAL BANKS

Berdasarkan Undang-Undang No. 24 tanggal 22 September 2004 yang berlaku efektif sejak tanggal 22 September 2005, sebagaimana diubah dengan Peraturan Pemerintah Pengganti Undang-Undang Republik Indonesia No. 3 tanggal 13 Oktober 2008, Lembaga Penjaminan Simpanan LPS dibentuk untuk menjamin liabilitas tertentu bank-bank umum berdasarkan program penjaminan yang berlaku, yang besaran nilai jaminannya dapat berubah jika memenuhi kriteria tertentu yang berlaku. Based on Law No. 24 dated 22 September 2004 which is effective from September 22, 2005, as amended by Government Regulation in Lieu of Law of the Republic of Indonesia No. 3 dated October 13, 2008, Lembaga Penjamin Simpanan LPS was formed to guarantee certain liabilities of commercial banks based on the applicable guarantee program, the amount of collateral value can be changed if they meet certain criteria applicable. Simpanan nasabah dijamin hanya jika suku bunganya sama dengan atau dibawah 7,50 dan 7,75 untuk simpanan dalam Rupiah pada tanggal 31 Desember 2015 dan 2014, dan 1,25 dan 1,50 untuk simpanan dalam mata uang asing pada tanggal 31 Desember 2015 dan 2014. Customer deposits are guaranteed only if the interest rate is equal to or below 7.50 and 7.75 for deposits in Rupiah as of December 31, 2105 and 2014, and 1.50 for deposits in foreign currency as of December 31, 2105 and 2014. Untuk tahun yang berakhir pada tanggal 31 Desember 2015 dan 2014 PT Bank Dinar Indonesia Tbk adalah peserta dari program penjaminan tersebut. For the year ended December 31, 2015 and 2014 PT Bank Dinar Indonesia Tbk participates and complies with the guarantee program. 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 64 36. NILAI WAJAR INSTRUMEN KEUANGAN 36. FAIR VALUE OF FINANCIAL STATEMENTS Tabel dibawah ini menggambarkan nilai tercatat dan nilai wajar dari aset dan liabilitas keuangan pada tanggal 31 Desember 2015 dan 2014. The following table represents the carrying value and fair value of financial assets and liabilities as of December 31, 2015 and 2014. 31 Desember 2015 Nilai tercatat Nilai wajar Aset Assets Giro pada Bank Indonesia 111.237.968.152 111.237.968.152 Current account with Bank Indonesia Giro pada bank lain 3.121.831.970 3.121.831.970 Current account with other Banks Penempatan pada Bank Indonesia dan bank lain 516.465.493.310 516.465.493.310 Placement with Bank Indonesia and Other Bank Efek-efek 129.101.107.152 129.101.107.152 Marketable securities Pinjaman yang diberikan 1.136.020.259.776 1.136.020.259.776 Loans 1.895.946.660.360 1.895.946.660.360 Liabilitas Liabilities Simpanan dari nasabah Savings from Costumer Giro 29.032.033.923 29.032.033.923 Current Account Tabungan 196.176.064.830 196.176.064.830 Savings Deposito berjangka 1.245.683.074.830 1.245.683.074.830 Time Deposit Simpanan dari bank lain 150.676.737.056 150.676.737.056 Savings from other bank 1.621.567.910.639 1.621.567.910.639 31 Desember 2014 Nilai tercatat Nilai wajar Aset Assets Giro pada Bank Indonesia 98.354.282.092 98.354.282.092 Current account with Bank Indonesia Giro pada bank lain 378.575.099 378.575.099 Current account with other banks Penempatan pada Bank Indonesia dan bank lain 392.494.411.507 392.494.411.507 Placement with Bank Indonesia and Other Bank Efek-efek 105.596.715.854 105.596.715.854 Marketable securities Pinjaman yang diberikan 856.047.253.023 856.047.253.023 Loans 1.452.871.237.575 1.452.871.237.575 Liabilitas Liabilities Simpanan dari nasabah Saving from Costumer Giro 32.548.092.479 32.548.092.479 Current Account Tabungan 120.823.904.794 120.823.904.794 Savings Deposito berjangka 1.050.945.985.494 1.050.945.985.494 Time Deposit Simpanan dari bank lain 1.878.891.530 1.878.891.530 Saving from other bank 1.206.196.874.297 1.206.196.874.297 a. Giro pada Bank Indonesia, giro pada bank lain, penempatan pada Bank Indonesia dan bank lain, efek-efek, dan aset lain-lain. a. Current accounts with Bank Indonesia, current accounts with other banks, placements with Bank Indonesia and other banks, marketable securities, and other assets. Nilai tercatat dari giro dan penempatan dengan suku bunga mengambang adalah perkiraan yang layak atas nilai wajar. The carrying values of demand deposits and placements with floating interest rate is a reasonable approximation of fair value. Estimasi nilai wajar terhadap penempatan dengan suku bunga tetap, efek-efek, dan aset lain-lain ditetapkan berdasarkan diskonto arus kas dengan menggunakan suku bunga pasar uang yang berlaku untuk hutang dengan risiko kredit dan sisa jatuh tempo yang serupa. Karena sisa jatuh tempo di bawah 1 satu tahun sehingga nilai tercatat dari penempatan dengan suku bunga tetap, efek-efek, dan aset lain-lain adalah perkiraan yang layak atas nilai wajar. The estimated fair value of the placement with a fixed interest rate, marketable securities, and other assets is based on discounted cash flows using money market interest rate applicable to loans with similar credit risk and remaining maturity. Because the residual maturity is below one 1 year, the carrying amount of the placement with a fixed interest rate, securities, and other assets is a reasonable approximation of fair value.