RELATED PARTIES TRANSACTIONS continued Sifat hubungan berelasi lanjutan

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 – 598– Schedule 45. SEGMEN OPERASI lanjutan

45. OPERATING SEGMENTS continued

2013 Pensiunan Pensioner Pegawai Employee Komersial Commercial Tresuri Treasury Pendanaan Funding Lain-lain Others Jumlah Total Pendapatan bunga 464,366 279,674 237,514 42,207 - - 1,023,761 Interest income Beban bunga - - - - 449,268 68,663 517,931 Interest Expenses Pendapatan bunga bersih 464,366 279,674 237,514 42,207 449,268 68,663 505,830 Net interest income Aset 2,895,060 1,520,237 1,705,591 1,699,848 - 410,106 8,230,842 Assets Liabilitas - - - - 7,086,381 566,641 7,653,022 Liabilities 2012 Pensiunan Pensioner Pegawai Employee Komersial Commercial Tresuri Treasury Pendanaan Funding Lain-lain Others Jumlah Total Pendapatan bunga 370,221 233,540 161,035 37,124 - - 801,920 Interest income Beban bunga - - - - 335,306 34,194 369,500 Interest Expenses Pendapatan bunga bersih 370,221 233,540 161,035 37,124 335,306 34,194 432,420 Net interest income Aset 2,146,204 1,469,762 1,588,011 1,322,183 - 1,095,149 7,621,309 Assets Liabilitas - - - - 6,394,891 688,511 7,083,402 Liabilities 2011 Pensiunan Pensioner Pegawai Employee Komersial Commercial Tresuri Treasury Pendanaan Funding Lain-lain Others Jumlah Total Pendapatan bunga 283,976 172,257 99,814 29,094 - - 585,141 Interest income Beban bunga - - - - 262,326 2,576 264,902 Interest Expenses Pendapatan bunga bersih 283,976 172,257 99,814 29,094 262,326 2,576 320,239 Net interest income Aset 1,527,953 1,044,750 739,218 1,422,344 - 351,497 5,085,762 Assets Liabilitas - - - - 4,612,588 - 4,612,588 Liabilities Rekonsiliasi antara pendapatan bunga bersih disesuaikan dengan laba sebelum pajak penghasilan adalah sebagai berikut: A reconciliation between net interest income with income before tax are as follows 30 JuniJune 31 DesemberDecember 2014 2013 2013 2012 2011 Pendapatan bunga bersih 209,775 255,205 505,830 432,420 320,239 Net Interest Income Pendapatan operasional lainnya 23,718 23,763 48,478 50,803 32,228 Other operating income Beban operasional lainnya 215,670 208,353 394,518 325,386 229,130 Other operating expenses Pendapatanbeban Non operating income non operasional - bersih 3,853 1,061 8,305 2,530 1,530 expenses - net LABA SEBELUM PAJAK PENGHASILAN 13,970 69,554 168,095 160,367 121,807 INCOME BEFORE TAX Segmen geografis Geographical segment 30 JuniJune 2014 Jawa Barat Jakarta Lainnya Eliminasi Jumlah West Java Jakarta Others Elimination Total Penghasilan bunga bersih 203,669 27,911 34,017 - 209,775 Net interest income Pembentukan cadangan Allowance for kerugian penurunan nilai impairment losses on atas aset keuangan dan financial and non- non keuangan 11,587 325 6,178 - 18,090 financial assets Pendapatan operasional lainnya 326,304 113,007 74,572 490,165 23,718 Other operating income Beban tenaga kerja 67,103 10,714 15,337 - 93,154 Personnel expense General and administrative Beban umum dan administrasi 472,157 40,151 82,283 490,165 104,426 expenses Laba operasional bersih 20,874 33,906 4,791 - 17,823 Net operating income Pendapatan dan beban Income and expenses bukan operasional 96,634 84,875 7,906 - 3,853 from non operations Income before Laba sebelum pajak penghasilan 117,508 118,781 12,697 - 13,970 income tax Beban pajak penghasilan 5,953 - - - 5,953 Income tax expense Laba bersih 123,461 118,781 12,697 - 8,017 Net income Jumlah aset 5,193,084 3,116,411 1,429,314 1,423,393 8,315,416 Total assets Jumlah liabilitas 6,006,739 1,822,352 1,347,334 1,423,393 7,753,032 Total liabilities 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