PT Adira Dinamika Multi Finance Tbk

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Laporan Posisi Keuangan

Tanggal 31 Maret 2016 ... 1 - 2

Statement of Financial Position ...As of 31 March 2016 Laporan Laba Rugi dan Penghasilan Komprehensif

Lain Untuk Periode Tiga Bulan Berakhir

31 Maret 2016... 3

Statement of Profit or Loss and Other Comprehensive Income For ...Three-Month Period Ended 31 March 2016 Laporan Perubahan Ekuitas

Untuk Periode Tiga Bulan Berakhir

31 Maret 2016 ... 4 - 5

Statement of Changes In Equity For Three-Month Period Ended ... 31 March 2016 Laporan Arus Kas

Untuk Periode Tiga Bulan Berakhir

31 Maret 2016 ... 6

Statement of Cash Flows For Three-Month Period Ended ... 31 March 2016 Catatan Atas Laporan Keuangan

Tanggal 31 Maret 2016 dan Untuk Periode Tiga Bulan Berakhir Pada Tanggal

Tersebut... 7 - 113

Notes to The Financial Statements As of 31 March 2015 and For Three-Month ... Period Then Ended

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Catatan atas laporan keuangan terlampir merupakan bagian yang tidak terpisahkan dari laporan keuangan secara

keseluruhan.

The accompanying notes to financial statements form an integral part of these financial statements taken as a whole.

1

January 2015/

31 Maret/ 31 Desember/ 31 Desember/

Catatan/ March December December

Notes 2016 2015 2014

ASET ASSETS

2d,2e,2u,4,

Kas dan kas di bank 35,36,38 Cash on hand and in banks

Kas 153.759 158.309 124.583 Cash on hand

Kas di bank Cash in banks

Pihak ketiga 227.784 274.993 297.537 Third parties Pihak berelasi 2t,34 549.525 626.683 457.050 Related party

Piutang pembiayaan konsumen - Consumer financing receivables -

setelah dikurangi penyisihan net of allowance for

kerugian penurunan nilai sebesar impairment losses of

Rp1.041.406, Rp1.071.783 dan Rp1,041,406, Rp1,071,783 and

Rp1.106.654 pada tanggal Rp1,106,654 as of 31 March

31 Maret 2016, 31 Desember 2d,2f,2g,2h, 2016, 31 December 2015

2015 dan 2014 5,35,36 and 2014

Pihak ketiga 22.625.051 23.389.605 26.072.609 Third parties

Pihak berelasi 2t,34 114 323 366 Related parties Piutang sewa pembiayaan -

setelah dikurangi penyisihan Finance leases receivables -

kerugian penurunan nilai sebesar net of allowance for

Rp35.254, Rp35.008 dan impairment losses of

Rp28.943 pada tanggal 31 Maret Rp35,254, Rp35,008 and

2016, 31 Desember 2015 2d,2f,2h,6, Rp28,943 as of 31 March 2016,

dan 2014 35,36 31 December 2015 and 2014

Pihak ketiga 1.350.991 1.522.360 1.916.659 Third parties Pihak berelasi 2t,34 11.390 6.766 - Related parties

Beban dibayar di muka 2j,7 Prepaid expenses

Pihak ketiga 237.917 257.703 221.731 Third parties

Pihak berelasi 2t,34 15.806 31.750 44.564 Related party

Piutang lain-lain - neto 2d,8,35,36 Other receivables - net

Pihak ketiga 146.978 102.188 119.221 Third parties Pihak berelasi 2t,34 35.434 41.615 44.385 Related parties

2d, 2i, 9,

Aset derivatif 35,36 345.024 657.634 219.024 Derivative assets Pajak dibayar dimuka 18 228.336 228.336 - Prepaid tax

Investasi dalam saham, 2d,2k,10 Investment in shares,

pihak berelasi 34,35,36 650 650 650 related party Aset tetap - setelah dikurangi

akumulasi penyusutan sebesar Fixed assets - net of accumulated

Rp458.918, Rp447.466 dan depreciation of Rp458,918,

Rp381.317 pada tanggal Rp447,466 and Rp381,317

31 Maret 2016, 31 Desember as of 31 March 2016,

2015 dan 2014 2l,2t,11 235.276 243.392 296.144 31 December 2015 and 2014 Aset takberwujud - neto 2m,12 74.588 73.990 62.177 Intangible assets - net Aset pajak tangguhan 2q,18 151.482 65.663 - Defferred tax assets Aset lain-lain 13 67.739 62.247 54.182 Other assets TOTAL ASET 27.744.20726.457.844 29.930.882 TOTAL ASSETS

#REF! #REF! #REF!

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keseluruhan.

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January 2015/

31 Maret/ 31 Desember/ 31 Desember/

Catatan/ March December December

Notes 2016 2015 2014

LIABILITAS LIABILITIES

2d,2u,14,35,

Pinjaman yang diterima 36,38 Borrowings

Pihak berelasi 2t,34 100.000 - 1.238.278 Related party

Beban yang masih harus dibayar 2d,15,35,36 Accrued expenses

Pihak ketiga 716.986 647.765 563.107 Third parties Pihak berelasi 2t,34 5.595 37.334 28.690 Related parties

2d,2p,16,34,

Utang obligasi - neto 35 Bonds payable - net

Pihak berelasi 2t,34 516.600 508.200 643.255 Related parties

Utang lain-lain 2d,17,35,36 Other payables

Pihak ketiga 378.128 609.689 668.680 Third parties Pihak berelasi 2t,34 105.763 123.591 158.726 Related parties Utang pajak 2q,18 61.970 58.261 64.300 Taxes payable Liabilitas imbalan kerja 2o,19,33c 568.245 599.211 617.471 Employement benefits liabilities

2d,2i,9,35,

Liabilitas derivatif 36 - - 27.823 Derivative liabilities Sukuk Mudharabah 2r,20 545.000 831.000 446.000 Mudharabah bonds Liabilitas pajak tangguhan - neto 2q,18 - 143.641- Deferred tax liabilities - net TOTAL LIABILITAS 23.383.41821.860.224 25.897.207 TOTAL LIABILITIES

EKUITAS EQUITY

Share capital - par value Rp100

Modal saham - nilai nominal Rp100 (full amount) per share

(nilai penuh) per saham Authorized capital -

Modal dasar 4.000.000.000 saham 4,000,000,000 shares

Modal ditempatkan dan disetor Issued and fully paid -

penuh 1.000.000.000 saham 21 100.000 100.000 100.000 1,000,000,000 shares

Saldo laba 22 Retained earnings

Telah ditentukan penggunaannya 114.626 114.626 106.705 Appropriated Belum ditentukan penggunaannya 4.411.591 4.125.993 3.900.549 Unappropriated

Keuntungan/(kerugian) kumulatif atas Cumulative gain/(losses) on

instrumen derivatif untuk lindung derivative instrument for

nilai arus kas - neto 2i,9,23 20.170(28.597) (73.579) cash flows hedges - net EKUITAS - NETO 4.360.7894.597.620 4.033.675 EQUITY - NET

TOTAL LIABILITAS DAN TOTAL LIABILITIES AND

EKUITAS 27.744.20726.457.844 29.930.882 EQUITY

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keseluruhan.

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Catatan/ 31 Maret/ 31 Maret/

Notes March 2016 March 2015

PENDAPATAN INCOME

2f,2g,2n,

Pembiayaan konsumen 2t,25,34 1.508.327 1.409.024 Consumer financing

2f,2n,2t,26,

Sewa pembiayaan 34 55.971 68.676 Finance leases

2d,2f,2l,2n, 2t,2u,10,11,

Lain-lain 27,34 459.269467.536 Others

TOTAL PENDAPATAN 1.936.9692.031.834 TOTAL INCOME

BEBAN EXPENSES

2n,2p,2t,14,

Beban bunga dan keuangan 16,28,34 (486.709) (570.318) Interest expense and financing charges

Gaji dan tunjangan 2o,2t,29,34 (427.567) (468.942) Salaries and benefits

Penyisihan kerugian penurunan nilai 2h Provision for impairment losses

Pembiayaan konsumen 2t,5,34 (349.971) (441.863) Consumer financing

Sewa pembiayaan 6 (13.873) (19.718) Finance leases

2l,2m,30,34,

Umum dan administrasi 42 (262.857) (266.233) General and administrative

Pemasaran 31 (88.838) (56.371) Marketing

Bagi hasil untuk investor dana (15.929) (9.173) Margin distribution for fund investor

Lain-lain 32,42 (1.406)(464) Others

TOTAL BEBAN (1.834.024)(1.646.208) TOTAL EXPENSES

LABA SEBELUM BEBAN PAJAK INCOME BEFORE INCOME TAX

PENGHASILAN 385.626 102.945 EXPENSE

BEBAN PAJAK PENGHASILAN 2q,18 (100.028) (26.862) INCOME TAX EXPENSE LABA PERIODE BERJALAN 76.083285.598 INCOME FOR THE PERIOD

PENGHASILAN KOMPREHENSIF LAIN OTHER COMPREHENSIVE INCOME

Pos yang akan direklasifikasi ke Items that will be reclassified to

laba rugi profit or loss

Effective portion of the fair value change

Bagian efektif atas perubahan nilai wajar of the derivative instrument - cash flows

instrumen derivatif - lindung nilai arus kas 2i,9,23 (65.023) (4.750) hedge

Manfaat pajak penghasilan terkait Income tax benefit relating to other

dengan penghasilan komprehensif lain comprehensive income that will be

yang akan direklasifikasi ke laba rugi 18 1.18816.256 reclassified to profit or loss

PENGHASILAN KOMPREHENSIF LAIN OTHER COMPREHENSIVE INCOME

SETELAH PAJAK (3.562)(48.767) NET OF TAX

TOTAL PENGHASILAN KOMPREHENSIF TOTAL COMPREHENSIVE INCOME

PERIODE BERJALAN 72.521236.831 FOR THE PERIOD

LABA PER SAHAM - DASAR EARNINGS PER SHARE - BASIC

(dinyatakan dalam nilai Rupiah penuh) 2s,24 76286 (expressed in full amount of Rupiah)

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Catatan atas laporan keuangan terlampir merupakan bagian yang tidak terpisahkan dari laporan keuangan secara keseluruhan.

The accompanying notes to financial statements form an integral part of these financial statements taken as a whole.

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Kerugian kumulatif atas instrumen derivatif untuk lindung nilai arus

kas - neto/

Modal Belum Cumulative

saham/ Telah ditentukan ditentukan losses on derivative

Catatan/ Share penggunaannya/ penggunaannya/ instrument for cash Jumlah/

Notes capital appropriated unappropriated flow hedges - net Total

Saldo pada tanggal 1 Januari 2015 100.000 106.705 3.900.549 (73.579) 4.033.675 Balance as of 1 January 2015

Total penghasilan komprehensif periode Total comprehensive income

berjalan for the period

Laba periode berjalan - - 76.083 - 76.083 Income for the period

Bagian yang efektif dari lindung nilai Effective portion of cash flows

arus kas - neto 2i,9 - - - (3.562) (3.562) hedges - net Saldo pada tanggal 31 Maret 2015 100.000 106.705 3.976.632 4.106.196(77.141) Balance as of 31 March 2015

Saldo pada tanggal

1 Januari 2016 100.000 114.626 4.125.993 20.170 4.360.789 Balance as of 1 January 2016

Total penghasilan komprehensif periode Total comprehensive income

berjalan for the period

Laba periode berjalan - - 285.598 - 285.598 Income for the period

Bagian yang efektif dari lindung nilai Effective portion of cash flows

arus kas - neto 2i,9 - - - (48.767) (48.767) hedges - net Saldo pada tanggal 31 Maret 2016 114.626100.000 4.411.591 (28.597) 4.597.620 Balance as of 31 March 2016

Saldo laba/Retained earnings

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keseluruhan.

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Catatan/ 31 Maret/ 31 Maret/

Notes March 2016 March 2015

CASH FLOWS FROM OPERATING

ARUS KAS DARI AKTIVITAS OPERASI ACTIVITIES

Penerimaan kas dari: Cash received from:

Transaksi pembiayaan konsumen 42 10.938.204 11.234.764 Consumer financing transactions Bunga bank dan deposito berjangka 1.554 1.973 Interest from banks and time deposits

Pengeluaran kas untuk: Cash disbursements for:

Transaksi pembiayaan konsumen (7.454.895) (7.901.019) Consumer financing transactions Bunga pembiayaan bersama (717.062) (741.897) Interest on joint financing

Gaji dan tunjangan (442.240) (471.955) Salaries and benefits

Beban bunga dan provisi bank (272.471) (279.829) Interest and bank provision expenses Beban umum dan administrasi 42 (234.738) (234.851) General and administrative expenses

Pajak penghasilan (220.136) (247.180) Income taxes

Premi asuransi (219.861) (276.551) Insurance premiums

Beban bunga utang obligasi 28 (218.197) (251.659) Interest on bonds payable Bagi hasil untuk investor dana (17.842) (9.399) Margin distribution for fund investor Penerimaan/(pengeluaran) kas dari lain-lain - neto 18.481(5.283) Cash received from/(disbursed for) others - net

Kas neto diperoleh dari aktivitas Net cash provided by operating

operasi 840.8781.137.033 activities

CASH FLOWS FROM INVESTING

ARUS KAS DARI AKTIVITAS INVESTASI ACTIVITIES

Hasil penjualan aset tetap 11 1.109 248 Proceeds from sale of fixed assets

Pembelian aset tetap (13.292) (17.625) Acquisition of fixed assets

Pembelian aset takberwujud (16.260)(11.010) Acquisition of intangible assets Kas neto digunakan untuk aktivitas

investasi (33.637)(23.193) Net cash used in investing activities CASH FLOWS FROM FINANCING

ARUS KAS DARI AKTIVITAS PENDANAAN ACTIVITIES

Penerimaan pinjaman bank dan pembiayaan

bersama 8.331.143 6.323.194 Proceeds from borrowings and joint financing

Penerimaan dari penerbitan obligasi 16 1.101.000 - Proceeds from issuance of bonds Pembayaran pinjaman bank dan pembiayaan

bersama (9.835.900) (6.997.403) Payments of borrowings and joint financing Pembayaran pokok utang obligasi 16 (553.000) (157.000) Payments of principal on bonds payable Payments of principal on mudharabah

Pembayaran pokok sukuk mudharabah 20 (286.000) (27.000) bonds

Kas neto digunakan untuk aktivitas Net cash used in financing

pendanaan (858.209)(1.242.757) activities

KENAIKAN/(PENURUNAN) NETO KAS DAN NET INCREASE/(DECREASE) IN CASH

KAS DI BANK (128.917) (50.968) ON HAND AND IN BANKS

CASH ON HAND AND IN BANKS, KAS DAN KAS DI BANK, AWAL PERIODE 879.1701.059.985 AT BEGINNING OF PERIOD

KAS DAN KAS DI BANK, AKHIR CASH ON HAND AND IN BANKS,

PERIODE 4 828.202931.068 AT END OF PERIOD

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1. INFORMASI UMUM 1. GENERAL INFORMATION

a. Pendirian dan informasi umum Perseroan a. Establishment and general information of the Company

PT Adira Dinamika Multi Finance Tbk (“Perseroan”) didirikan pada tanggal 13 Nopember 1990 berdasarkan Akta Notaris Misahardi Wilamarta, S.H., No. 131. Akta pendirian ini telah disahkan oleh Menteri Kehakiman Republik Indonesia dalam Surat Keputusan No. C2-19.HT.01.01.TH.91 tanggal 8 Januari 1991 dan telah diumumkan dalam Tambahan No. 421 pada Berita Negara Republik Indonesia No. 12 tanggal 8 Pebruari 1991.

Anggaran Dasar Perseroan telah mengalami beberapa kali perubahan, perubahan terakhir dilakukan dengan Akta Notaris Pahala Sutrisno Amijoyo Tampubolon, S.H., No. 19 tanggal 21 Mei 2015, mengenai Perubahan Anggaran Dasar Perseroan. Perubahan ini disahkan oleh Menteri Hukum dan Hak Asasi Manusia Republik Indonesia dalam Surat Keputusan No. AHU-0935663.AH.01.02 Tahun 2015 tanggal 22 Mei 2015.

PT Adira Dinamika Multi Finance Tbk (the “Company”) was established on 13 November 1990 based on Notarial Deed No. 131 of Misahardi Wilamarta, S.H.

The deed of establishment was approved by the Ministry of Justice of the Republic of Indonesia in its Decision Letter No. C2-19.HT.01.01.TH.91 dated 8 January 1991 and was published in Supplement No. 421 to the State Gazette of the Republic of Indonesia No. 12 dated 8 February 1991.

The Company’s Articles of Association had been amended several times with the latest amendment was effected by Notarial Deed of Pahala Sutrisno Amijoyo Tampubolon, S.H., No. 19 dated 21 May 2015, concerning the Amendment of the Articles of Association of the Company. This amendment was legalized by the Ministry of Laws and Human Rights of the Republic of Indonesia in its Decision Letter No. AHU-0935663.AH.01.02 Year 2015 dated 22 May 2015.

Perseroan memperoleh izin usaha sebagai perusahaan pembiayaan dari Menteri Keuangan dalam Surat Keputusan No. 253/KMK.013/1991 tanggal 4 Maret 1991. Berdasarkan Pasal 3 Anggaran Dasar Perseroan, ruang lingkup kegiatan Perseroan dalam bidang perusahaan pembiayaan dan pembiayaan syariah yang merupakan Unit Usaha Syariah meliputi pembiayaan investasi, pembiayaan modal kerja, pembiayaan multiguna, kegiatan usaha pembiayaan lain berdasarkan persetujuan Otoritas Jasa Keuangan, sewa operasi dan/atau kegiatan berbasis fee sepanjang tidak bertentangan dengan peraturan perundang-undangan di sektor jasa keuangan, pembiayaan jual beli, dan pembiayaan jasa.

Perseroan berdomisili di Gedung The Landmark Center I Lantai 26-31, Jalan Jenderal Sudirman No. 1, Jakarta Selatan dan Perseroan memiliki 551 jaringan usaha yang terdiri dari kantor cabang, kantor perwakilan, kios dan dealer outlet yang tersebar di seluruh wilayah Indonesia. Perseroan memulai operasi komersialnya pada tahun 1991.

The Company obtained its license to operate as a financing company from the Ministry of Finance based on Decision Letter No. 253/KMK.013/1991 dated 4 March 1991. As stated in Article 3 of the Company’s Articles of Association, the scope of the Company’s activities comprises of financing company and sharia financing which is a Business Unit of Sharia which include investment financing, working capital financing, multipurpose financing, other financing business activities based on approval by Financial Service Authority, operating lease and/or fee-based activities to the extent consistent with legislation in the financial services sector, sell-buy financing and service financing.

The Company's registered office is located at the 26^th- 31^stFloor of The Landmark Centre Building I, Jalan Jenderal Sudirman No. 1, South Jakarta and the Company has 551 business networks which consist of branch offices, representative offices, kiosks and dealer outlets throughout Indonesia. The Company started its commercial operations in 1991.

Sejak Januari 2004, PT Bank Danamon Indonesia Tbk menjadi pemegang saham pengendali Perseroan.

PT Bank Danamon Indonesia Tbk merupakan anak perusahaan dari Asia Financial (Indonesia) Pte. Ltd., dimana pemegang saham akhir adalah Temasek Holding Pte. Ltd., sebuah perusahaan investasi yang berkedudukan di Singapura dan sepenuhnya dimiliki oleh Pemerintah Singapura.

Since January 2004, PT Bank Danamon Indonesia Tbk has been the Company’s controlling shareholder. PT Bank Danamon Indonesia Tbk is a subsidiary of Asia Financial (Indonesia) Pte. Ltd., which the ultimate shareholder is Temasek Holding Pte. Ltd., an investment holding company based in Singapore and wholly owned by the Government of Singapore.

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1. INFORMASI UMUM (lanjutan) 1. GENERAL INFORMATION (continued)

b. Penawaran umum saham Perseroan b. Public offering of the Company’s shares Pada tanggal 23 Maret 2004, Perseroan melakukan

Penawaran Umum Perdana atas 100.000.000 saham dengan nilai nominal Rp100 (nilai penuh) per saham dengan harga penawaran sebesar Rp2.325 (nilai penuh) per saham. Seluruh saham ini telah tercatat di Bursa Efek Jakarta dan Bursa Efek Surabaya pada tanggal 31 Maret 2004.

Pada tanggal 30 Nopember 2007, Bursa Efek Jakarta dan Bursa Efek Surabaya telah bergabung menjadi Bursa Efek Indonesia.

Seluruh saham yang ditawarkan melalui Penawaran Umum Perdana ini merupakan saham divestasi milik pemegang saham pendiri. Dengan demikian, Perseroan tidak menerima dana hasil penjualan saham.

On 23 March 2004, the Company conducted an Initial Public Offering (IPO) of 100,000,000 shares with par value of Rp100 (full amount) per share with offering value of Rp2,325 (full amount) per share. These shares were all listed at Jakarta Stock Exchange and Surabaya Stock Exchange on 31 March 2004.

On 30 November 2007, Jakarta Stock Exchange and Surabaya Stock Exchange have merged into Indonesia Stock Exchange.

All shares offered through this IPO were divestment shares owned by the founding shareholders. Therefore, the Company did not receive any funds from sale of shares.

c. Penawaran umum efek utang Perseroan c. Public offering of the Company’s debt securities Sejak tahun 2003, Perseroan telah beberapa kali

menerbitkan efek utang yang ditawarkan kepada masyarakat melalui pasar modal di Indonesia.

Since 2003, the Company has issued debt securities to the public in the Indonesian capital market.

Sampai dengan 31 Maret 2016, obligasi dan Medium- Term Notes yang telah diterbitkan oleh Perseroan adalah sebagai berikut:

Until 31 March 2016, the Company’s bonds and Medium-Term Notes issued are as follow:

Skedul

Tanggal pembayaran Tanggal

pernyataan bunga/ pembayaran

efektif/ Interest bunga pertama/

Efek utang/ Effective No mo r surat/ Jumlah/ Wali amanat/ payment First interest

Debt securities no tificatio n date Letter number A mo unt The trustee schedule payment date

Obligasi A dira Dinamika M ulti Finance I Tahun 2003/A dira Dinamika M ulti

Finance B o nds I Year 2003 P T B ank Negara Triwulan/ 6 A gustus/

(Obligasi I/B o nd I) 23 A pril 2003 No . S-839/P M /2003 500.000 Indo nesia (P ersero ) Tbk Quarterly A ugust 2003

Obligasi A dira Dinamika M ulti Finance II Tahun 2006/A dira Dinamika M ulti

Finance B o nds II Year 2006 24 M ei/ P T B ank Negara Triwulan/ 8 September

(Obligasi II/B o nd II) M ay 2006 No . S-137/B L/2006 750.000 Indo nesia (P ersero ) Tbk Quarterly 2006

Obligasi A dira Dinamika M ulti Finance III Tahun 2009/A dira Dinamika M ulti

Finance B o nds III Year 2009 4 M ei/ P T B ank Negara Triwulan/ 13 A gustus/

(Obligasi III/B o nd III) M ay 2009 No . S-3485/B L/2009 500.000 Indo nesia (P ersero ) Tbk Quarterly A ugust 2009

Obligasi A dira Dinamika M ulti Finance IV Tahun 2010/A dira Dinamika M ulti

Finance B o nds IV Year 2010 21 Okto ber/ P T B ank Negara Triwulan/ 29 Januari/

(Obligasi IV/B o nd IV) Octo ber 2010 No . S-9564/B L/2010 2.000.000 Indo nesia (P ersero ) Tbk Quarterly January 2011

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c. Penawaran umum efek utang Perseroan (lanjutan) c. Public offering of the Company’s debt securities (continued)

Skedul

Obligasi A dira Dinamika M ulti Finance V Tahun 2011/A dira Dinamika M ulti

Finance B o nds V Year 2011 18 M ei/ P T B ank Negara Triwulan/ 27 A gustus/

(Obligasi V/B o nd V) M ay 2011 No . S-5474/B L/2011 2.500.000 Indo nesia (P ersero ) Tbk Quarterly A ugust 2011

M edium-Term No tes I

A dira Dinamika M ulti Triwulan/ 10 P ebruari/

Finance Tahun 2011/A dira Dinamika M ulti Finance M edium-Term No tes I

Year 2011 (M TN I) - - 400.000 - Quarterly February 2012

Obligasi B erkelanjutan I A dira Dinamika M ulti Finance dengan Tingkat B unga Tetap Tahap I Tahun 2011/A dira Dinamika M ulti Finance Co ntinuing B o nds I with Fixed Interest Rate P hase I Year 2011 (Obligasi B erkelanjutan I

Tahap I/Co ntinuing B o nds 9 Desember/ P T B ank Negara Triwulan/ 16 M aret/

I P hase I) December 2011 No . S-13197/B L/2011 2.523.000 Indo nesia (P ersero ) Tbk Quarterly M arch 2012

Obligasi B erkelanjutan I A dira Dinamika M ulti Finance dengan Tingkat B unga Tetap Tahap II Tahun 2012/A dira Dinamika M ulti Finance Co ntinuing B o nds I with Fixed Interest Rate P hase II Year 2012 (Obligasi B erkelanjutan I

Tahap II/Co ntinuing B o nds 9 Desember/ P T B ank Negara Triwulan/ 4 A gustus/

I P hase II) December 2011 No . S-13197/B L/2011 1.850.000 Indo nesia (P ersero ) Tbk Quarterly A ugust 2012

Obligasi B erkelanjutan I A dira Dinamika M ulti Finance dengan Tingkat B unga Tetap Tahap III Tahun 2012/A dira Dinamika M ulti Finance Co ntinuing B o nds I with Fixed Interest Rate P hase III Year 2012 (Obligasi B erkelanjutan I

Tahap III/Co ntinuing B o nds 9 Desember/ P T B ank Negara Triwulan/ 27 Desember/

I P hase III) December 2011 No . S-13197/B L/2011 1.627.000 Indo nesia (P ersero ) Tbk Quarterly December 2012

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Skedul

Obligasi B erkelanjutan II A dira Finance Tahap I Tahun 2013/A dira Finance Co ntinuing B o nds II P hase I Year 2013 (Obligasi B erkelanjutan II

Tahap I/Co ntinuing 21 P ebruari/ P T B ank Negara Triwulan/ 1 Juni/

B o nds II P hase I) February 2013 No . S-37/D.04/2013 2.000.000 Indo nesia (P ersero ) Tbk Quarterly June 2013

Obligasi B erkelanjutan II A dira Finance Tahap II Tahun 2013/A dira Finance Co ntinuing B o nds II P hase II Year 2013 (Obligasi B erkelanjutan II

Tahap II/Co ntinuing 21 P ebruari/ P T B ank Negara Triwulan/ 24 Januari/

B o nds II P hase II) February 2013 No . S-37/D.04/2013 2.092.000 Indo nesia (P ersero ) Tbk Quarterly January 2014

Obligasi B erkelanjutan II A dira Finance Tahap III Tahun 2014/A dira Finance Co ntinuing B o nds II P hase III Year 2014 (Obligasi B erkelanjutan II

Tahap III/Co ntinuing 21 P ebruari/ P T B ank Negara Triwulan/ 14 A gustus/

B o nds II P hase III) February 2013 No . S-37/D.04/2013 1.500.000 Indo nesia (P ersero ) Tbk Quarterly A ugust 2014

Obligasi B erkelanjutan II A dira Finance Tahap IV Tahun 2014/A dira Finance Co ntinuing B o nds II P hase IV Year 2014 (Obligasi B erkelanjutan II

Tahap IV/Co ntinuing 21 P ebruari/ P T B ank Negara Triwulan/ 12 P ebruari/

B o nds II P hase IV) February 2013 No . S-37/D.04/2013 1.503.000 Indo nesia (P ersero ) Tbk Quarterly February 2015

Obligasi B erkelanjutan III A dira Finance Tahap I Tahun 2015/A dira Finance Co ntinuing B o nds III P hase I Year 2015 (Obligasi B erkelanjutan III

Tahap I/Co ntinuing 25 Juni/ P T B ank Negara Triwulan/ 30 September

B o nds III P hase I) June 2015 No . S-279/D.04/2015 979.000 Indo nesia (P ersero ) Tbk Quarterly 2015 Obligasi B erkelanjutan III

A dira Finance Tahap II Tahun 2015/A dira Finance Co ntinuing B o nds III P hase II Year 2015 (Obligasi B erkelanjutan III

Tahap II/Co ntinuing 25 Juni/ P T B ank Negara Triwulan/ 25 No pember/

B o nds III P hase II) June 2015 No . S-279/D.04/2015 1.437.000 Indo nesia (P ersero ) Tbk Quarterly No vember 2015

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Skedul

Obligasi B erkelanjutan/

Co ntinuing B o nds III A dira Finance Tahap/

P hase III Tahun/Year 2016 (Obligasi B erkelanjutan/

Co ntinuing B o nds III 25 Juni/ P T B ank Negara Triwulan/ 2 Juni/

Tahap/P hase III) June 2015 No . S-279/D.04/2015 1.101.000 Indo nesia (P ersero ) Tbk Quarterly June 2016

Sampai dengan 31 Maret 2016, Sukuk Mudharabah yang telah diterbitkan oleh Perseroan adalah sebagai berikut:

Until 31 March 2016, the Company’s Mudharabah Bonds issued are as follow:

Skedul

pembayaran Tanggal

Tanggal bagi hasil/ pembayaran

pernyataan Revenue bagi hasil

efektif/ Sharing pertama/First

Sukuk M udharabah / Effective No mo r surat/ Jumlah/ Wali amanat/ payment revenue sharing

M udharabah B o nds no tificatio n date Letter number A mo unt The trustee schedule payment date

Sukuk M udharabah B erkelanjutan I A dira Finance Tahap I Tahun 2013/

A dira Finance Co ntinuing Sukuk M udharabah I P hase I Year 2013 (Sukuk M udharabah B erkelanjutan I Tahap I/

Co ntinuing Sukuk 21 P ebruari/ P T B ank Negara Triwulan/ 1 Juni/

M udharabah I P hase I) February 2013 No . S-37/D.04/2013 379.000 Indo nesia (P ersero ) Tbk Quarterly June 2013

Sukuk M udharabah B erkelanjutan I A dira Finance Tahap II Tahun 2014/

A dira Finance Co ntinuing Sukuk M udharabah I P hase II Year 2014 (Sukuk M udharabah B erkelanjutan I Tahap II/

Co ntinuing Sukuk 21 P ebruari/ P T B ank Negara Triwulan/ 12 P ebruari/

M udharabah I P hase II) February 2013 No . S-37/D.04/2013 133.000 Indo nesia (P ersero ) Tbk Quarterly February 2015

Sukuk M udharabah B erkelanjutan II A dira Finance Tahap I Tahun 2015/

A dira Finance Co ntinuing Sukuk M udharabah II P hase I Year 2015 (Sukuk M udharabah B erkelanjutan II Tahap I/

Co ntinuing Sukuk 25 Juni/ P T B ank Negara Triwulan/ 30 September

M udharabah II P hase I) June 2015 No . S-279/D.04/2015 500.000 Indo nesia (P ersero ) Tbk Quarterly 2015

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Untuk Medium Term Notes I, Perseroan menunjuk PT NISP Sekuritas sebagai arranger.

For Medium Term Notes I, the Company appointed PT NISP Sekuritas as arranger.

Rincian tingkat bunga dan jatuh tempo masing-masing

seri efek utang yang diterbitkan: Details of interest rate and over due of each serial of debt securities issued:

Efek utang/ Tahun penerbitan/ Nilai nominal/ Tingkat bunga tetap/ Jatuh tempo/ Cicilan pokok efek utang/

Debt securities Year of issuance Nominal value fixed interest rate Due date Debt securities installment

Obligasi I/Bonds I

Triwulan sejak triwulan ke-13/

Seri A/Serial A 2003 63.000 14,125% 6 Mei/May 2008 Quarterly from 13th quarter Pembayaran penuh pada saat jatuh tempo/Bullet payment

Seri B/Serial B 2003 437.000 14,125% 6 Mei/May 2008 on due date

Obligasi II/Bonds II

Pembayaran penuh pada saat jatuh tempo/Bullet payment

Seri A/Serial A 2006 570.000 14,40% 8 Juni/June 2009 on due date

Seri B/Serial B 2006 90.000 14,50% 8 Juni/June 2010 on due date

Seri C/Serial C 2006 90.000 14,60% 8 Juni/June 2011 on due date

Obligasi III/Bonds III

Seri A/Serial A 2009 46.000 12,55% 18 Mei/May 2010 on due date

Seri C/Serial C 2009 403.000 14,60% 13 Mei/May 2012 on due date

Obligasi IV/Bonds IV

Seri A/Serial A 2010 229.000 7,60% 29 April 2012 on due date

Pembayaran penuh pada saat 29 Oktober/ jatuh tempo/Bullet payment

Seri B/Serial B 2010 238.000 8,25% October 2012 on due date

Seri C/Serial C 2010 577.000 8,70% 29 April 2013 on due date

Seri D/Serial D 2010 284.000 9,00% October 2013 on due date

Seri E/Serial E 2010 672.000 9,25% October 2014 on due date

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Debt securities Year of issuance Nominal value fixed interest rate Due date Debt securities installment Obligasi V/Bonds V

Seri D/Serial D 2011 1.161.000 10,00% 27 Mei/May 2015 on due date

Medium Term Notes

Pembayaran penuh pada saat 10 Nopember/ jatuh tempo/Bullet payment

Seri B/Serial B 2011 200.000 8,65% November 2013 on due date

Obligasi Berkelanjutan I Tahap I/Continuing Bonds I Phase I

Pembayaran penuh pada saat 16 Desember/ jatuh tempo/Bullet payment

Seri A/Serial A 2011 325.000 7,75% December 2013 on due date

Seri B/Serial B 2011 665.000 8,00% December 2014 on due date

Seri C/Serial C 2011 1.533.000 9,00% December 2016 on due date

Obligasi Berkelanjutan I Tahap II/Continuing Bonds I Phase II

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Debt securities Year of issuance Nominal value fixed interest rate Due date Debt securities installment

Obligasi Berkelanjutan I Tahap III/Continuing Bonds I Phase III

Seri A/Serial A 2012 376.000 6,50% October 2013 on due date

Seri B/Serial B 2012 578.000 7,75% 27 September 2015 on due date

Seri C/Serial C 2012 673.000 8,75% 27 September 2017 on due date

Obligasi Berkelanjutan II Tahap I/Continuing Bonds II Phase I

Pembayaran penuh pada saat 11 Maret/ jatuh tempo/Bullet payment

Seri A/Serial A 2013 439.000 6,85% March 2014 on due date

Seri B/Serial B 2013 157.000 7,30% March 2015 on due date

Seri C/Serial C 2013 553.000 7,85% March 2016 on due date

Seri D/Serial D 2013 851.000 8,90% March 2018 on due date

Obligasi Berkelanjutan II Tahap II/Continuing Bonds II Phase II

Pembayaran penuh pada saat 3 Nopember/ jatuh tempo/Bullet payment

Seri A/Serial A 2013 722.000 9,15% November 2014 on due date

Seri B/Serial B 2013 880.000 10,50% October 2016 on due date

Seri C/Serial C 2013 490.000 11,00% October 2018 on due date

Obligasi Berkelanjutan II Tahap III/Continuing Bonds II Phase III