Table of Revenue and Expense of Foreign Exchange Transactions

Laporan Tahunan 2016 | BANKALTIM 2016 annual report | BANKALTIM 182 • Perkembangan suku bunga simpanan berjangka US Dollar menurut kelompok Bank No Kelompok Bank dan Jangka Waktu | Banks and Term 2016 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov 1-Jan 1-Feb 1-Mar 1-Apr 1-May 1-Jun 1-Jul 1-Aug 1-Sep 1-Oct 1-Nov 1 Bank Persero | Limited Company Bank 2 1 Bulan 0.63 0.67 0.66 0.66 0.67 0.65 0.67 0.66 0.77 0.79 0.82 3 3 Bulan 0.82 0.76 0.78 0.78 0.78 0.82 0.83 0.83 0.75 0.67 0.76 4 6 Bulan 1.36 1.36 1.40 1.39 1.37 1.37 1.29 1.32 1.19 1.17 1.22 5 12 Bulan 1.36 1.29 1.19 1.13 1.12 1.15 1.11 1.14 1.15 0.99 0.82 6 24 Bulan 1.85 1.85 1.85 1.85 1.87 1.87 1.87 1.97 1.96 1.81 1.81 7 Bank Pemerintah Daerah | Local Government Bank - - - - - - - - - - - 8 1 Bulan 0.99 0.84 0.95 0.95 0.90 0.76 2.13 0.84 0.83 0.68 1.26 9 3 Bulan 1.10 1.11 1.01 1.00 1.00 0.93 0.85 0.96 0.86 0.63 0.90 10 6 Bulan 1.10 1.31 1.38 1.26 1.26 1.49 1.32 0.97 0.90 0.94 0.68 11 12 Bulan 0.63 0.87 0.84 0.88 0.80 0.99 0.50 0.50 0.50 0.54 0.52 12 24 Bulan 1.50 0.92 0.63 0.64 0.85 0.50 0.50 0.50 0.79 0.82 0.78 13 Bank Swasta Nasional | National Private Bank - - - - - - - - - - - 14 1 Bulan 1.30 1.11 1.16 1.18 1.03 1.09 0.98 1.04 1.06 0.89 0.88 15 3 Bulan 1.26 1.31 1.41 1.21 1.23 1.14 1.17 1.15 1.06 1.03 1.09 16 6 Bulan 1.67 1.51 1.51 1.44 1.38 1.33 1.28 1.26 1.26 1.20 1.19 17 12 Bulan 1.62 1.66 1.60 1.50 1.38 1.33 1.28 1.27 1.32 1.11 1.13 18 24 Bulan 2.46 2.46 2.63 2.67 2.67 2.71 2.67 2.66 2.63 2.00 2.23 19 Bank Asing dan Bank Campuran | Foreign Banks and Venture Banks - - - - - - - - - - - 20 1 Bulan 0.70 0.62 0.60 0.51 0.49 0.65 0.53 0.64 0.55 0.62 0.67 21 3 Bulan 0.80 0.86 0.76 0.75 0.77 0.71 0.66 0.67 0.64 0.73 0.74 22 6 Bulan 0.98 1.02 0.89 0.94 0.92 0.96 0.86 0.89 0.87 0.89 0.91 23 12 Bulan 1.30 1.27 1.36 1.14 1.10 1.07 1.09 1.06 1.10 1.13 1.07 24 24 Bulan 1.51 1.38 1.04 0.91 0.85 0.74 0.65 0.67 0.57 0.56 0.56 25 Bank Umum | Commercial Banks - - - - - - - - - - - 26 1 Bulan 1.01 0.92 0.94 0.92 0.85 0.86 0.81 0.86 0.90 0.82 0.84 27 3 Bulan 1.09 1.10 1.13 1.04 1.05 0.98 0.99 0.98 0.92 0.87 0.94 28 6 Bulan 1.45 1.39 1.39 1.35 1.31 1.32 1.24 1.25 1.18 1.16 1.19 29 12 Bulan 1.50 1.51 1.45 1.33 1.25 1.22 1.18 1.18 1.22 1.06 0.97 30 24 Bulan 2.19 2.18 2.25 2.24 2.25 2.43 2.38 2.41 2.23 1.83 1.97 sumber: Statistik Ekonomi dan Keuangan Indonesia, website BI | Source: Economic and Financial Statistics of Indonesia, BI website

c. Perkembangan Suku Bunga BPD Kaltim selama tahun 2016

JASA GIRO_ Rupiah | IDR Current Account Services Nominal | Amount Counter Rate 1-Sep-12 SK: 183VIII2012 Sd Rp. 1 Juta | Until IDR 1 million 0.00 Rp. 1 Juta sd Rp. 100 Juta | IDR 1 million - IDR 100 million 0.25 Rp. 100 Juta sd Rp. 10 Milyar | IDR 100 million - IDR 10 billion 0.75 Rp. 10 Milyar sd Rp. 30 Milyar | IDR 10 billion - IDR 30 billion 1.75 Rp. 30 Milyar | IDR 30 billion 2.00 • Development of US Dollar time deposit interest rate according to Bank group

c. BPD Kaltim interest rate development during 2016

Laporan Tahunan 2016 | BANKALTIM 183 2016 annual report | BANKALTIM Bunga Deposito_ Rupiah | IDR Deposit Interest Nominal | Amount Sebelumnya | Previous 1-Jun-16 Counter Rate 15-Sep-16 1 bln 3 bln 6 bln 12 bln 24 bln Rp. 1 Juta sd Rp. 100 Juta | IDR 1 million until IDR 100 million 6,75-4,00 5.75 5.75 6.00 6.25 4.00 Rp. 100 Juta sd Rp. 1 Milyar | IDR 100 million until IDR 1 billion 6,75-4,00 5.75 6.00 6.00 6.25 4.00 Rp. 1 Milyar sd Rp. 10 Milyar | IDR 1 billion until IDR 10 billion 6,75-4,00 6.00 6.25 6.25 6.25 4.00 Rp. 10 Milyar sd Rp. 100 Milyar | IDR 10 billion until IDR 100 billion 6,75-4,00 6.25 6.25 6.25 6.25 4.00 = Rp. 100 Milyar | =IDR 100 billion 6,75-4,00 6.25 6.25 6.25 6.25 4.00 Jasa Giro_ Valas | Foreign Currency Current Account Service Nominal | Amount Sebelum | Before 18-Jun-12 Counter Rate 1-Dec-15 SK: VI2012 SK: VI2015 Sd USD 1000 | Until USD 1000 0.00 0.00 USD 1000 0.40 0.15 Bunga Deposito_ Valas | Foreign Currency Deposit Interest Nominal | Amount Sebelum | Before 27-Mar-12 Counter Rate 29-Sep-15 SK: 059III2012 SK: IX2015 USD 1 Juta | USD 1 million 1.00 0.50 = USD 1 Juta 1.25 0.75 Bunga Tabungan Simpeda_ Rupiah | IDR Simpeda savings interest Nominal | Amount Sebelum | Before 1-Feb-15 Counter Rate 1-May-16 SK: 057III2012 SK: II2015 Rp. 500.000 | IDR 500.000 0.00 0.00 Rp. 500.000 sd Rp. 45 Juta | IDR 500.000 until IDR 45 million 2.00 1.85 Rp. 45 Juta sd Rp. 100 Juta | IDR 45 million until IDR 100 million 2.25 2.10 = Rp. 100 Juta | = IDR 100 million 2.50 2.35 Bunga Tabungan Prama_ Rupiah | IDR Prama Savings Interest Nominal | Amount Sebelum | Before 8-Jun-15 Counter Rate 1-Jul-15 = Rp. 2.500.000 0.00 0.00 Rp. 2.500.000 4.50 3.25 Suku Bunga Sertiikat Deposito_ Rupiah| IDR Interest Rates on Certiicates of Deposit Nominal | Amount Sebelum| Before 21-Fe b-12 Counter Rate 18-Jun-12 SK: 035II2012 SK: VI2012 1 bln | 1 month 3 bln | 3 month 6 bln | 6 month 9 bln | 9 month 12 bln | 12 month 24 bln | 24 month 1 Milyar sd Rp. 10 Milyar | 1 billion until IDR 10 billion 4,25-5,00 4.00 4.25 4.50 4.75 4.25 4.25 = 10 Milyar | = 10 billion 4,50-5,25 4.25 4.50 4.75 5.00 4.75 4.75 Laporan Tahunan 2016 | BANKALTIM 2016 annual report | BANKALTIM 184 Pengelolaan batasstandarlimit GWM, PDN, dll sesuai ketentuan yang berlaku Pemenuhan Giro Wajib Minimum Rupiah terdiri atas:

a. GWM Primer dan LDR LFR

- Giro Wajib Minimum GWM Primer Rupiah yang wajib dijaga Bank sesuai PBI No.1515 PBI2013 tentang Giro Wajib Minimum Bank Umum pada BI dalam Rupiah dan Valas yaitu sebesar 8 dari rata-rata harian Dana Pihak Ketiga dalam Rupiah. Selanjutnya, perubahan atas PBI tersebut antara lain: - Perubahan Pertama, PBI No.1711PBI2015 yang ditetapkan tanggal 25 Juni 2015 dan berlaku sejak tanggal 3 Agustus 2015 yang berisi perubahan ketentuan tentang GWM LFR sebagai pengganti GWM LDR dimana surat berharga yang diterbitkan oleh Bank menjadi salah satu komponen dalam pemenuhan GWM LFR namun ketentuan GWM Primer sebesar 8 dari rata-rata harian Dana Pihak Ketiga dalam Rupiah tidak mengalami perubahan. - PBI No.1721PBI2015 yang ditetapkan tanggal 26 November 2015, merupakan perubahan kedua atas PBI No.1515 PBI2013 dimana terdapat perubahan ketentuan pemenuhan GWM Primer dalam Rupiah yaitu sebesar 7,5 dari rata-rata harian DPK dalam Rupiah dan berlaku mulai tanggal 1 Desember 2015. - PBI No.183PBI2016 yang ditetapkan tanggal 10 Maret 2016, merupakan perubahan ketiga atas PBI No.1515 PBI2013 dimana terdapat perubahan pemenuhan GWM Primer Rupiah menjadi sebesar 6,5 dari DPK dalam Rupiah yang mulai berlaku pada tanggal 16 Maret 2016. - PBI No.1814PBI2016 yang ditetapkan tanggal 18 Agustus 2016, merupakan perubahan keempat atas PBI No.1515 PBI2013 dimana terdapat perubahan nilai batas bawah LFR target menjadi sebesar 80 sebagai parameter yang digunakan dalam perhitungan GWM LFR. PBI ini mulai berlaku pada tanggal 24 Agustus 2016. Management of limit standard GWM, PDN, etc. in accordance with the applicable regulations Fulillment Statutory Reserves Rupiah consisting of:

a. Primary Statutory Reserves GWM and LDR LFR

- IDR Primary Statutory Reserves GWM which must be maintained by the Bank according PBI No.15 15 PBI 2013 concerning Statutory Reserves of Commercial Banks with BI in IDR and Foreign Currency in the amount of 8 of the daily average of third party funds in IDR. Furthermore, changes to the regulation include: - The First Amendment, PBI No.1711PBI2015 issued on June 25, 2015 and in efect since dated August 3, 2015 which contains amendment on provisions regarding GWM LFR as a substitute of GWM LDR where the securities issued by the Bank to be one component in GWM LFR fulillment but the primary statutory reserves provisions which amounted to 8 of the daily average of Third Party Funds in IDR is unchanged. - PBI No.1721PBI2015 issued on 26 November 2015, is the second amendment to PBI No.1515PBI2013 where there is a change in the primary statutory reserves fulillment provisions in IDR amounted to 7.5 of the daily average of TPF in IDR and entered into force on December 1, 2015. - PBI No.183PBI2016 issued on March 10, 2016, is the third amendment to PBI No.1515PBI2013 where there are changes in fulillment of Primary statutory reserves in IDR amounted to 6.5 of TPF in Rupiah which was efective on March 16, 2016. - PBI No.1814PBI2016 issued on August 18, 2016, is the fourth amendment to PBI No.1515PBI2013 where there is a changes in the value of the lower limit of LFR target amounted to 80 as the parameters used in the calculation of GWM LFR. This regulation comes into force on August 24, 2016. Laporan Tahunan 2016 | BANKALTIM 185 2016 annual report | BANKALTIM Sementara, perhitungan GWM Primer Rupiah yang diberlakukan di BPD Kaltim sesuai SK Direksi No.032SKBPD-PSTII2011 tentang Pedoman dan Ketentuan Pemenuhan GWM Dalam Rupiah BPD Kaltim yaitu ditambahkan sebesar 0,005 di atas persentase GWM yang ditetapkan BI. Penambahan ini dilakukan untuk mengantisipasi pelanggaran atau terjadinya kekurangan dalam pemenuhan GWM Primer. Pemenuhan GWM Primer dan LFR oleh Bank selama tahun 2016 adalah sebagai berikut: Bulan | Month Nominal GWM Primer dan LDR LFR Rupiah | Primary GWM and LDR LFR Amount IDR Minggu I | 1st week Minggu II | 2nd week Minggu III | 3rd week Minggu IV | 4th week Januari | January 1,421,471,916,600.00 1,370,881,312,000.00 1,266,847,077,050.00 1,320,167,700,450.00 Februari | February 1,389,226,383,900.00 1,485,492,943,850.00 1,498,957,514,250.00 1,468,842,651,050.00 Maret | March 1,441,843,488,600.00 1,427,952,108,850.00 1,244,529,444,500.00 1,212,664,376,750.00 April | April 1,183,347,317,500.00 1,172,946,538,050.00 1,169,381,993,200.00 1,149,296,244,500.00 Mei | May 1,133,350,863,250.00 1,120,097,511,200.00 1,115,522,869,950.00 1,096,017,952,700.00 Juni | June 1,086,156,632,900.00 1,071,088,971,300.00 1,080,897,600,600.00 1,029,643,925,000.00 Juli | July 996,071,229,700.00 1,027,116,082,000.00 1,205,405,187,050.00 1,184,949,433,950.00 Agustus | August 1,166,884,333,400.00 1,188,811,647,600.00 1,189,963,553,000.00 1,166,175,873,850.00 September | September 1,140,183,129,800.00 1,121,181,049,050.00 1,111,284,602,250.00 1,077,360,246,650.00 Oktober | October 1,040,738,267,550.00 1,037,909,503,250.00 1,080,383,705,600.00 1,050,413,089,000.00 Nopember | November 1,040,291,243,950.00 1,029,291,028,750.00 1,023,040,244,150.00 1,013,404,062,400.00 Desember | December 1,036,113,732,950.00 1,026,485,292,150.00 1,005,427,501,300.00 976,465,484,950.00

b. GWM Sekunder

GWM sekunder yang wajib dipenuhi yaitu sebesar 4 dari rata-rata DPK Rupiah sesuai LBBU periode 2 minggu sebelumnya. Pemenuhan atas GWM Sekunder yang dilakukan oleh BPD Kaltim adalah dalam bentuk SBI, SDBI, SUN dan RR SUN dan atau dilakukan Excess Reserve Tunai sesuai dengan persentase yang ditetapkan oleh Bank Indonesia bila pemenuhan dalam surat berharga tidak mencapai persentase yang ditetapkan. Namun, sepanjang tahun 2016 pemenuhan GWM sekunder melalui Excess Reserve tunai tidak pernah dilakukan. Pemenuhan GWM Sekunder oleh Bank selama tahun 2016 adalah sebagai berikut: Meanwhile, the calculation of IDR Primary GWM enforced in BPD Kaltim according to SK Directors No.032SKBPD-PSTII2011 on BPD Kaltim Fulillment Guidelines and Conditions of GWM in IDR which added 0,005 above the GWM percentage set by BI. The addition is done to anticipate the violations or shortages in primary GWM fulillment. Fulillment of Primary GWM and LFR by the Bank during 2016 were as follows:

b. Secondary Statutory Reserves

Secondary GWM that must be met is equal to 4 of the average IDR TPF according to LBBU period of two weeks earlier. Fulillment of the Secondary Statutory Reserves carried by BPD Kaltim is in SBI, SDBI, SUN and RR SUN and or carried of Excess Reserve Cash in accordance with the percentageset by Bank Indonesia if the fulillment of the securities does not reach the percentage set. However, throughout 2016, the fulillment of secondary reserves through Excess Reserve cash never done. Fulillment of secondary reserve by the Bank during 2016 were as follows: