Asumsi-asumsi Key PROVISIONS FOR

PT BANK DBS INDONESIA CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE FINANCIAL STATEMENTS 31 DECEMBER 2016 Expressed in millions of Rupiah, unless otherwise stated Lampiran – 561 – Schedule 27. BEBAN GAJI DAN TUNJANGAN

27. SALARIES AND ALLOWANCE EXPENSES 2016

2015 Gaji 500,321 426,702 Salaries Tunjangan 286,649 329,684 Allowances Lain-lain 8,331 11,053 Others 795,301 767,439 Termasuk dalam beban gaji dan tunjangan adalah gaji dan kompensasi lainnya yang dibayarkan kepada Komisaris, Direksi, dan Manajemen Kunci Bank lihat Catatan 30d. Included in salaries and allowance expenses also are salaries and other allowances for Commissioners, Directors, and Key Management of the Bank refer to Note 30d. 28. KOMITMEN DAN KONTINJENSI 28. COMMITMENTS AND CONTINGENCIES Komitmen dan kontinjensi kepada pihak berelasi diungkapkan pada Catatan 30e. Commitments and contingencies with related parties are disclosed in Note 30e.

a. Berdasarkan jenis

a. By type

2016 2015 Tagihan komitmen: Commitment receivables: Fasilitas pinjaman yang belum digunakan 5,389,000 4,135,500 Undrawn borrowing facilities Liabilitas komitmen: Commitment payables: - Fasilitas pinjaman kepada debitur yang belum digunakan 7,311,589 2,679,664 Unused loan facilities - - Letters of credit yang masih berjalan 1,990,701 1,881,339 Outstanding letters of credit - Jumlah liabilitas komitmen 9,302,290 4,561,003 Total commitment payables Liabilitas komitmen - bersih 3,913,290 425,503 Commitment payables - net Tagihan kontinjensi: Contingent receivables: - Garansi yang diterima 15,203,378 12,266,332 Guarantees received - - Pendapatan bunga dari Interest receivables from - pinjaman bermasalah 517,541 386,892 non-performing loans Jumlah tagihan kontinjensi 15,720,919 12,653,224 Total contingent receivables Liabilitas kontinjensi: Contingent payables: Garansi yang diberikan 4,631,994 4,164,753 Guarantees issued Tagihan kontinjensi - bersih 11,088,925 8,488,471 Contingent receivables - net

b. Berdasarkan kolektibilitas

b. By collectability

2016 2015 Liabilitas komitmen Commitment payables Lancar 9,302,290 4,561,003 Current Liabilitas kontinjensi Contingent payables Lancar 4,531,283 4,164,753 Current Dalam perhatian khusus 100,711 - Special mention 4,631,994 4,164,753 Bank tidak memiliki liabilitas kontinjensi dan komitmen signifikan selain yang tertera di atas pada tanggal 31 Desember 2016 dan 2015. The Bank has no significant contingent and commitment payables other than as stated above as at 31 December 2016 and 2015.