BEBAN OPERASIONAL LAINNYA - LAIN-LAIN OTHER OPERATING EXPENSES – OTHERS

Indonesian language. PT BANK TABUNGAN NEGARA PERSERO 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 TABUNGAN NEGARA PERSERO 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 167 38. PELAPORAN SEGMEN 38. SEGMENT REPORTING Informasi segmen usaha berdasarkan jenis usaha: Segment information based on business type are as follows: Tanggal 31 Desember 2015 dan untuk Tahun yang Berakhir pada tanggal tersebut As of December 31, 2015 and for the Year Then Ended Konvensional Syariah Eliminasi Conventional Sharia Elimination Total Pendapatan segmen 14.455.136 511.073 - 14.966.209 Segment income Beban segmen 8.143.967 11.166 - 8.155.133 Segment expenses Pendapatan segmen - neto 6.311.169 499.907 - 6.811.076 Segment Income - net Pendapatan operasional lainnya 1.070.040 36.486 - 1.106.526 Other operating income Penyisihan kerugian Provision for penurunan nilai impairment aset keuangan dan losses on financial assets non-aset keuangan 718.428 182.580 - 901.008 and non-financial assets Beban estimasi Estimated losses on kerugian komitmen dan commitments and kontinjensi - 7.198 - 7.198 contingencies Beban operasional lainnya 4.278.836 211.351 - 4.490.187 Other operating expenses Laba operasional 2.383.945 149.660 - 2.533.605 Income from operations Pendapatan beban bukan Non-operating income operasional - neto 102.389 110.670 - 8.281 expenses - net Beban pajak 690.979 - - 690.979 Tax expense Laba tahun berjalan 1.590.577 260.330 - 1.850.907 Income for the year Total aset 159.835.661 13.268.941 1.297.010 171.807.592 Total assets Total liabilitas 147.534.993 11.709.502 1.297.010 157.947.485 Total liabilities Tanggal 31 Desember 2014 dan untuk Tahun yang Berakhir pada tanggal tersebut As of December 31, 2014 and for the Year Then Ended Konvensional Syariah Eliminasi Conventional Sharia Elimination Total Pendapatan segmen 12.394.564 412.764 - 12.807.328 Segment income Beban segmen 7.332.418 10.329 - 7.342.747 Segment expenses Pendapatan segmen - neto 5.062.146 402.435 - 5.464.581 Segment Income - net Pendapatan operasional lainnya 860.284 34.536 - 894.820 Other operating income Penyisihan kerugian Provision for penurunan nilai impairment aset keuangan dan losses on financial assets non-aset keuangan 693.604 77.562 - 771.166 and non-financial assets Beban estimasi Estimated losses on kerugian komitmen dan commitments and kontinjensi - 729 - 729 contingencies Beban operasional lainnya 3.831.984 178.155 - 4.010.139 Other operating expenses Laba operasional 1.396.842 180.525 - 1.577.367 Income from operations