PENDAPATAN BUNGA INTEREST REVENUES

NOTES TO FINANCIAL STATEMENTS SEPTEMBER 30, 2015, AND 2014 AND DECEMBER 31, 2014 Expressed in million Rupiah, unless otherwise stated Continued - 96 - Sesuai Peraturan Bank Indonesia PBINo.73PBI2005 tanggal 20 Januari 2005 mengenai Batas Maksimum Pemberian Kredit BMPK Bank Umum yang sebagian pasalnya diubah dengan PBI No .813PBI2006 tanggal 5 Oktober 2006, pinjaman yang diberikan dengan jaminan tunai dikecualikan dari BMPK. Pada tanggal 30 September 2015 dan 31 Desember 2014, jumlah pinjaman yang diberikan kepada pihak berelasi yang dijamin oleh agunan tunai adalah masing- masing sebesar Rp 41.131 juta, dan Rp6.201 juta. In accordance with Bank Indonesia Regulation PBI No. 73PBI2005 dated January 20, 2005 regarding Legal Lending Limit for Commercial Bank which amended partially by PBI No. 813PBI2006 dated October 5, 2006, loans with cash collateral are exempted from Legal Lending Limit. As of September 30, 2015 and December 31, 2014, loans to related parties that are secured by cash collaterals amounting to Rp 41,131 million and Rp6,201 million, respectively. 30 September 30 September September 2015 September 2014 Rp Juta Rp Juta Rp Million Rp Million Pendapatan bunga Interest revenues Dewan Komisaris dan Dewan Direksi Board of Commissioners, Directors dan karyawan kunci 2,209 37 and key employees Persentase bunga terhadap jumlah pendapatan 0.193 0.015 Percentage to total interest revenues Beban bunga 10,315 532 Interest expense Persentase bunga terhadap jumlah beban 1.759 1.468 Percentage to total interest expense Bank tidak memiliki transaksi atau utangpiutang dengan pihak berelasi yang tidak berhubungan dengan kegiatan utama Bank. The Bank does not have any transaction or payablereceivable with related parties having no relation to the Bank‟s main business. 40. KOMITMEN DAN KONTINJENSI 40. COMMITMENTSAND CONTINGENCIES Seperti di dalam bisnis normal perbankan,Bank mempunyai komitmen dan kontinjensi. As part of normal banking business, the Bank has commitments and contingencies. Ikhtisar komitmen dan kontinjensi Bank yang dinyatakan dalam nilai kontrak setara dengan mata uang Rupiah adalah sebagai berikut: The following is a summary of the Bank ‟s commitments and contingencies at the equivalent Rupiah contractual amounts: NOTES TO FINANCIAL STATEMENTS SEPTEMBER 30, 2015, AND 2014 AND DECEMBER 31, 2014 Expressed in million Rupiah, unless otherwise stated Continued - 97 - 30 September 31 Desember September 2015 December 2014 Rp Juta Rp Juta Rp Million Rp Million KOMITMEN COMMITMENTS Liabilitas komitmen: Commitment payables: Fasilitas pinjaman yang diberikan yang belum digunakan 11,070 2,118,817 Unused loan facility Irrevocable letters of credit yang Outstanding irrevocable masih berjalan 181,179 283,992 letters of credit KONTINJENSI CONTINGENCIES Tagihan kontinjensi: Contingencies receivables: Garansi yang diterima 1,131,099 964,781 Received guarantee Pendapatan bunga Interest receivable on dalam penyelesaian 48,918 40,254 non-performing assets Liabilitas kontinjensi: Contingencies payables: Bank garansi yang diterbitkan 268,674 326,031 Bank guarantees issued Bersih 1,543,104 1,723,805 Net Semua irrevocable letters of credit yang masih berjalan dan bank garansi yang diterbitkan memiliki kolektibilitas lancar. Alloutstandingirrevocablelettersofcreditand issued bank guarantees are categorised as current. Bank tidak memiliki bank garansi dengan pihak berelasi pada tanggal 30 September 2015 dan 31 Desember 2014. There is no bank guarantees with related party as of September 30, 2015 and December 31, 2014, respectively. Bank mengeluarkan bank garansi sebagai perjanjian penanggungan, dimana bank bertindak sebagai penanggung bagi nasabah yang menjadi debitur dalam mengadakan suatu perjanjian dengan pihak lain sebagai kreditur. The Bank issued bank guarantees as underwriting agreements, in which the Bank acts as a guarantor for the customers, becoming a debtor bound in an agreement with other parties as the creditors. 41. JASA KUSTODIAN 41. CUSTODIALSERVICES Berdasarkan Surat Keputusan Otoritas Jasa Keuangan dahuluBAPEPAM-LKNo.KEP- 01BLKstd2007 tanggal 12 September 2007, Bank telah memperoleh izin untuk memberikan jasa kustodian dan telah melakukan kegiatan operasionalnya sejak tanggal 8 Oktober 2007. Based on the Financial Service Authority previouslyBapepam-LK Decision Letter No. KEP-01BLKstd2007 dated September12, 2007, the Bank obtained an approval to provide custodial services and has commenced its operational on October 8, 2007. Bank memberikan jasa-jasa kustodian, antara lain, pengadministrasian surat-surat berharga, pengadministrasian dana dan laporan dan informasi. The Bank provides the following custodial services administration of securities, administration of funds and report and information.