BEBAN UMUM DAN ADMINISTRASI GENERAL AND ADMINISTRATIVE EXPENSES BEBAN TENAGA KERJA PERSONNEL EXPENSES

PT BANK WOORI SAUDARA INDONESIA 1906 Tbk formerly PT BANK HIMPUNAN SAUDARA 1906 Tbk NOTES TO FINANCIAL STATEMENTS DECEMBER 31, 2014 AND 2013 AND FOR THE YEARS THEN ENDED Continued - 84 - 37. PEMBENTUKAN PEMULIHAN CADANGAN KERUGIAN PENURUNAN NILAI ASET KEUANGAN 37. ALLOWANCEREVERSALFOR IMPAIRMENT LOSSES OF FINANCIAL ASSETS 2014 2013 Rp Juta Rp Juta Rp Million Rp Million Pinjaman yang diberikan Catatan 10 69.297 504 Loans Note 10 Tagihan akseptasi 12 11 Acceptance receivable Jumlah 69.309 515 Total 38. BEBAN UMUM DAN ADMINISTRASI 38. GENERAL AND ADMINISTRATIVE EXPENSES 2014 2013 Rp Juta Rp Juta Rp Million Rp Million Biaya penggabungan usaha 20.264 - Merger cost Sew a 12.698 10.070 Rents Properties and equipments depreciation Penyusutan aset tetap Catatan 13 9.805 9.001 Note 13 Pemeliharaan dan perbaikan 8.771 4.221 Repair and maintenance Komunikasi 8.200 10.294 Communication Premi program penjaminan simpanan 8.138 5.954 Premium on deposit on guaranteed program Barang dan jasa 7.092 18.595 Goods and services Pelatihan dan promosi 1.690 1.705 Training and promotion Peralatan dan kebutuhan kantor 1.513 1.363 Office supplies and stationaries Promosi 1.148 1.162 Promotion Listrik, air dan gas 942 762 Electricity, water and gasoline Transportasi 847 407 Transportation Asuransi 395 293 Insurance Pajak 21 22 Taxes Lain-lain 23.002 16.910 Others Jumlah 104.526 80.759 Total 39. BEBAN TENAGA KERJA 39. PERSONNEL EXPENSES 2014 2013 Rp Juta Rp Juta Rp Million Rp Million Gaji dan upah 22.382 21.688 Salaries and wages Penyisihan imbalan kerja Allowance for employee karyaw an Catatan 28 3.736 1.090 benefits Note 28 Pendidikan dan pelatihan 1.428 1.342 Training and education Jumlah 27.546 24.120 Total PT BANK WOORI SAUDARA INDONESIA 1906 Tbk formerly PT BANK HIMPUNAN SAUDARA 1906 Tbk NOTES TO FINANCIAL STATEMENTS DECEMBER 31, 2014 AND 2013 AND FOR THE YEARS THEN ENDED Continued - 85 - Jumlah gaji dan tunjangan Dewan Komisaris, Komite Audit, Dewan Direksi dan pejabat eksekutif adalah sebagai berikut: The total salaries and allowances paid to the Board of Commissioners, Audit Committee, Board of Directors and Executive Bank Officer are as follows: 2014 2013 Rp Juta Rp Juta Rp Million Rp Million Dew an Komisaris dan Komite Audit 442 421 Board of Commissioner and Audit Committee Dew an Direksi dan Pejabat Eksekutif 3.491 3.697 Board of Directors and Executive Bank officers Dewan Komisaris dan Dewan Direksi merupakan personil manajemen kunci Bank. Board of Commissioners and Directors are key management personnel of the Bank. Lihat Catatan 41 untuk rincian saldo dan transaksi dengan pihak berelasi. Refer to Note 41 for detailed balances and transactions with related parties. 40. KOMBINASI BISNIS 40. BUSINESS COMBINATION