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GIRO PADA BANK INDONESIA (lanjutan) CURRENT ACCOUNTS WITH BANK INDONESIA (continued)

2016 2015

Bank Umum – Konvensional Commercial Bank – Conventional

Giro Wajib Minimum Primer - Rupiah 7.52% 8.35% Primary Statutory Reserve - Rupiah

Giro Wajib Secondary Statutory

Minimum Sekunder - Rupiah 14.46% 12.21% Reserve- Rupiah

Giro Wajib Minimum Primary Statutory Reserve

(Loan to Funding Ratio) 0.00% 0.00% (Loan to Funding Ratio)

Bank Syariah 5.03% 5.00% Sharia Bank

Berdasarkan Peraturan Bank Indonesia

No.18/3/PBI/2016 tanggal 16 Maret 2016 tentang Giro Wajib Minimum (“GWM”) Bank Umum dalam

Rupiah dan valuta asing bagi Bank Umum

Konvensional, Bank wajib memenuhi GWM dalam Rupiah yang terdiri dari GWM Primer sebesar 6,5%, GWM Sekunder sebesar 4% dari Dana Pihak Ketiga (“DPK”) dalam Rupiah dalam Rupiah dan GWM Loan to DepositRatio(“LDR”). Selain itu, Bank juga wajib memenuhi GWM valuta asing sebesar 8% dari DPK dalam valuta asing.

In accordance with the Bank Indonesia Regulation No.18/3/PBI/2016 dated 16 March 2016 regarding Minimum Statutory Reserves (“GWM”) in Rupiah, the Bank should comply with minimum reserve requirement in Rupiah which consist of Primary GWM of 6.5%, secondary GWM of 4% calculated from Third Party Fund (“TPF”) in Rupiah as well as Loan to Deposit Ratio (“LDR”) Staturoy Reserves. Furthermore, the Bank shall also comply with minimum reserve requirement in foreign currency of 8% from TPF in foreign currencies.

Pada tanggal 25 Juni 2015, Bank Indonesia mengeluarkan peraturan No.17/11/PBI/2015 tentang perubahan atas PBI No.15/15/PBI/2013 tentang Giro Wajib Minimum Bank Umum dalam Rupiah dan valuta asing bagi Bank Umum Konvensional, Bank harus memenuhi GWM dalam Rupiah terdiri dari

GWM Primer, GWM Sekunder dan GWMLoan to

Funding Ratio (LFR). PBI GWM LFR mulai berlaku pada tanggal 26 Juni 2015 dan perhitungan GWM LFR mulai berlaku 3 Augustus 2015.

On 25 June 2015, Bank Indonesia issued a regulation No.17/11/PBI/2015 concerning amendment of PBI No.15/15/PBI/2013 regarding Statutory Reserves at Bank Indonesia for Commercial Banks in Rupiah and foreign currencies the Bank should comply with a minimum reserve requirement in Rupiah consist of Primary GWM, Secondary GWM and Loan to Funding Ratio (LFR) Statutory Reserves. LFR Statutory Reserves Regulation is applied effectively since 26 June 2015 and GWM LFR calculation applied starting 3 August 2015.

Pada tanggal 26 November 2015, Bank Indonesia mengeluarkan Peraturan No.17/21/PBI/2015 tentang perubahan kedua atas PBI No.15/15/PBI 2013 tentang Giro Wajib Minimum Bank Umum Dalam

Rupiah dan Valuta Asing bagi Bank Umum

Konvensional, Bank wajib memenuhi GWM dalam Rupiah yang terdiri dari GWM Primer sebesar 7,5%. Peraturan tersebut berlaku efektif mulai tanggal 1 Desember 2015.

On 26 November 2015, Bank Indonesia issued regulation No.17/21/PBI/2015 regarding second amendment of PBI No.15/15/PBI/2013 regarding Statutory Reserves at Bank Indonesia for Commercial Banks in Rupiah and foreign currencies. The Bank should comply with minimum reserve requirement in Rupiah which consist of Primary GWM of 7.5%. The regulation effective since 1 December 2015.

Pada tanggal 16 Maret 2016, Bank Indonesia mengeluarkan Peraturan No. 18/3/PBI/2016 tentang perubahan ketiga atas PBI No. 15/15/PBI/2013 tentang Giro Wajib Minimum Bank Umum Dalam

Rupiah dan Valuta Asing bagi Bank Umum

Konvensional. Bank wajib memenuhi GWM dalam Rupiah yang terdiri dari GWM Primer sebesar 6,5% dari dana pihak ketiga Rupiah. Peraturan tersebut berlaku efektif mulai tanggal 16 Maret 2016.

On 16 March 2016, Bank Indonesia issued regulation No. 18/3/PBI/2016 regarding third amendment of PBI No.15/15PBI/2013 regarding Statutory Reserves at Bank Indonesia for Commercial Banks in Rupiah and Foreign Currencies. The Bank should comply with minimum reserve requirement in Rupiah which consist of Primary GWM of 6.5% third party fund in Rupiah. The regulation effective since 16 March 2016.

5. GIRO PADA BANK INDONESIA(lanjutan) 5. CURRENT ACCOUNTS WITH BANK INDONESIA (continued)

GWM Primer adalah simpanan minimum yang wajib dibentuk oleh Bank dalam bentuk saldo Rekening

Giro pada Bank Indonesia, sedangkan GWM

Sekunder adalah cadangan minimum yang wajib dibentuk oleh Bank berupa Sertifikat Bank Indonesia

(“SBI”), Surat Utang Negara (“SUN”), Surat

Berharga Syariah Negara (“SBSN”), dan/atau

kelebihan saldo Rekening Giro Rupiah Bank dari

GWM Primer dan GWM Loan to Funding Ratio

(“LFR”) yang dipelihara di Bank Indonesia.

Primary Minimum Statutory Reserve is a minimum reserve that should be maintained by the Bank in Current Accounts with Bank Indonesia. Secondary Minimum Statutory Reserve is the minimum reserves that should be maintained by the Bank, comprised of Certificates of Bank Indonesia (“SBI”), Government Debenture Debt (“SUN”), Sharia Government Securities (“SBSN”), and/or excess reserve which represent the excess reserve of the Bank’s Current Accounts in Rupiah over the Primary Minimum Statutory Reserve and the Minimum Statutory Reserve on Loan to Funding Ratio (LFR).

GWM LFR adalah tambahan simpanan minimum yang wajib dipelihara oleh Bank dalam bentuk saldo Rekening Giro pada Bank Indonesia, besaran dan parameter yang digunakan dalam perhitungan GWM LFR ditetapkan batas bawah LFR target 80% dan batas atas LFR target 92% serta KPMM insentif 14%. Batas atas LFR target Bank sebesar 94% dalam hal Bank memenuhi rasio kredit UMKM lebih cepat dari target waktu tahapan pencapaian rasio kredit UMKM, memenuhi rasio NPL total kredit secara bruto kurang dari 5% dan memenuhi rasio NPL kredit UMKM secara bruto kurang dari 5%.

The Minimum Statutory Reserve on LFR is the additional reserve that should be maintained by the Bank in the form of Current Accounts with Bank Indonesia, if the Bank’s LFRis below the minimum of LFR targeted by Bank Indonesia (80%) or if the Bank’s LFR above the maximum of LFR targeted by BI (92%) and the Capital Adequacy Ratio (“CAR”) is below BI requirement of 14%.The maximum LFR of the Bank is 94%, if Bank has met Micro, Small and Medium Loan Ratio (“UMKM”) faster than the requirement, total gross NPL ratio below 5%, and total gross NPL UMKM ratio below 5%.

Sesuai dengan Peraturan Bank Indonesia

No. 6/21/PBI/2004 tanggal 3 Agustus 2004 tentang “Giro Wajib Minimum Dalam Rupiah dan Valuta

Asing bagi Bank Umum yang Melaksanakan

Kegiatan Usaha Berdasarkan Prinsip Syariah” sebagaimana telah diubah dengan Peraturan Bank Indonesia No. 8/23/PBI/2006 tanggal 5 Oktober 2006, Peraturan Bank Indonesia No. 10/23/PBI/2008 tanggal 16 Oktober 2008, dan terakhir berdasarkan Peraturan Bank Indonesia No. 18/14/PBI/2016 tanggal 18 Agustus 2016, setiap bank diwajibkan memelihara GWM dalam Rupiah dan valuta asing yang besarnya ditetapkan masing-masing sebesar 5% dan 1% dari dana pihak ketiga dalam Rupiah

dan valuta asing. Bank yang memiliki rasio

pembiayaan dalam Rupiah terhadap dana pihak ketiga dalam Rupiah kurang dari 80%, wajib memelihara tambahan GWM dalam Rupiah yang jumlahnya disesuaikan dengan jumlah dana pihak ketiganya.

Based on Bank Indonesia Regulation No. 6/21/PBI/2004 dated 3 August 2004 regarding “Minimum Statutory Reserve Requirements in Rupiah and Foreign Currencies of Commercial Banks under Sharia Principle” as amended, by Bank Indonesia Regulation No. 8/23/PBI/2006 dated 5 October 2006, No. 10/23/PBI/2008 dated 16 October 2008, and the lastest amandement No. 18/14/PBI/2016 dated 18 August 2016, each bank is required to maintain Minimum Statutory Reserve Requirements (GWM) in Rupiah and foreign currencies equivalent to 5% and 1% of its third party funds denominated in Rupiah and foreign currencies, respectively. Bank that has financing to funding ratio in Rupiah of less than 80%, is required to maintain additional GWM in Rupiah which amount is determined in accordance with its funding.

Bank telah memenuhi Peraturan Bank Indonesia

yang berlaku tentang GWM Bank Umum

Konvensional dan Syariah pada tanggal 31

Desember 2016 dan 2015.

The Bank has fulfilled the prevailing Bank Indonesia’s Regulation regarding Minimum Reserve Requirement for Conventional and Sharia Banks as at 31 December 2016 and 2015.