COMMITMENTS AND CONTINGENCIES Mutasi liabilitas yang diakui pada laporan

PT BANK HIMPUNAN SAUDARA 1906 TBK CATATAN ATAS LAPORAN KEUANGAN 30 JUNI 2014, 31 DESEMBER 2013, 2012 DAN 2011 Dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE FINANCIAL STATEMENTS 30 JUNE 2014, 31 DECEMBER 2013, 2012 AND 2011 Expressed in million Rupiah, unless otherwise stated Lampiran – 599– Schedule 45. SEGMEN OPERASI lanjutan

45. OPERATING SEGMENTS continued Segmen geografis lanjutan

Geographical segment continued 30 JuniJune 2013 Jawa Barat Jakarta Lainnya Eliminasi Jumlah West Java Jakarta Others Elimination Total Penghasilan bunga bersih 205,639 10,726 38,840 - 255,205 Net interest income Pembentukan cadangan Allowance for kerugian penurunan nilai impairment losses on atas aset keuangan dan financial and non- non keuangan 15,128 1,119 11,402 - 27,649 financial assets Pendapatan operasional lainnya 193,547 72,554 39,282 281,620 23,763 Other operating income Beban tenaga kerja 69,709 10,000 12,662 - 92,371 Personnel expense General and administrative Beban umum dan administrasi 293,150 34,658 42,145 281,620 88,333 expenses Laba operasional bersih 21,199 37,503 11,913 - 70,615 Net operating income Pendapatan dan beban Income and expenses bukan operasional 57,162 46,494 9,607 - 1,061 from non operations Income before Laba sebelum pajak penghasilan 35,963 83,997 21,520 - 69,554 income tax Beban pajak penghasilan 18,415 - - - 18,415 Income tax expense Laba bersih 54,378 83,997 21,520 - 51,139 Net income Jumlah aset 4,466,734 2,502,193 1,321,189 1,053,845 7,236,271 Total assets Jumlah liabilitas 4,978,999 1,654,050 1,136,774 1,053,845 6,715,978 Total liabilities 2013 Jawa Barat Jakarta Lainnya Eliminasi Jumlah West Java Jakarta Others Elimination Total Penghasilan bunga bersih 421,615 6,682 77,533 - 505,830 Net interest income Pembentukan cadangan Allowance for kerugian penurunan nilai impairment losses on atas aset keuangan dan financial and non- non keuangan 32,771 1,213 11,156 - 42,714 financial assets Pendapatan operasional lainnya 476,012 159,808 97,653 684,995 48,478 Other operating income Beban tenaga kerja 123,542 17,651 23,317 - 164,510 Personnel expense General and administrative Beban umum dan administrasi 692,164 73,867 106,258 684,995 187,294 expenses Laba operasional bersih 49,150 76,185 34,455 - 159,790 Net operating income Pendapatan dan beban Income and expenses bukan operasional 128,647 114,665 22,287 - 8,305 from non operations Income before Laba sebelum pajak penghasilan 79,497 190,850 56,742 - 168,095 income tax Beban pajak penghasilan 44,430 - - - 44,430 Income tax expense Laba bersih 123,927 190,850 56,742 - 123,665 Net income Jumlah aset 5,193,322 2,999,971 1,470,967 1,433,418 8,230,842 Total assets Jumlah liabilitas 6,103,309 1,759,692 1,223,439 1,433,418 7,653,022 Total liabilities