Berdasarkan sektor ekonomi lanjutan By economic sector continued Berdasarkan kolektibilitas Bank Indonesia By Bank Indonesia collectibility Pinjaman Non-performing loans and allowance for

400 L T h BNI CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2013 DAN 2012 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2013 AND 2012 Expressed in millions of Rupiah, unless otherwise stated 12. PINJAMAN YANG DIBERIKAN lanjutan 12. LOANS continued

c. Berdasarkan sektor ekonomi lanjutan

c. By economic sector continued

2013 2012 Mata uang asing Foreign currencies Pertambangan 12,342,618 9,214,004 Mining Jasa dunia usaha 6,685,512 2,831,624 Business services Perindustrian 6,280,996 5,337,069 Manufacturing Listrik, gas dan air 5,556,415 2,885,050 Electricity, gas and water Perdagangan, restoran dan hotel 1,954,168 1,461,587 Trading, restaurants and hotels Pengangkutan, pergudangan Transportation, warehousing dan komunikasi 635,556 299,690 and communications Konstruksi 335,258 49,702 Construction Pertanian 133,900 543,631 Agriculture Jasa pelayanan sosial 57,588 68,893 Social services Lain-lain 4,353,978 2,993,356 Others 38,335,989 25,684,606 Total 250,637,843 200,742,305 Total Cadangan kerugian Allowance for penurunan nilai 6,880,036 6,907,635 impairment losses Neto 243,757,807 193,834,670 Net

d. Berdasarkan kolektibilitas Bank Indonesia

d. By Bank Indonesia collectibility

2013 2012 Pokok Principal Cadangan kerugian penurunan nilai Allowance for impairment losses Pokok Principal Cadangan kerugian penurunan nilai Allowance for impairment losses Lancar 238,073,767 1,311,743 188,191,805 2,025,455 Pass Dalam perhatian khusus 7,143,033 1,558,626 6,913,686 775,979 Special mention Kurang lancar 546,276 171,048 641,351 201,168 Substandard Diragukan 736,350 415,611 666,263 396,658 Doubtful Macet 4,138,417 3,423,008 4,329,200 3,508,375 Loss 250,637,843 6,880,036 200,742,305 6,907,635

e. Pinjaman

bermasalah dan cadangan kerugian penurunan nilai berdasarkan sektor ekonomi

e. Non-performing loans and allowance for

impairment losses by economic sector 2013 2012 Pokok Principal Cadangan kerugian penurunan nilai Allowance for impairment losses Pokok Principal Cadangan kerugian penurunan nilai Allowance for impairment losses Perindustrian 1,206,500 1,120,853 1,937,045 1,553,086 Manufacturing Perdagangan, Trading, restaurants restoran dan hotel 1,503,097 959,632 1,218,984 818,489 and hotels Konstruksi 605,174 531,612 537,750 445,670 Construction Pertanian 511,507 411,963 478,680 301,281 Agriculture Jasa dunia usaha 395,746 245,542 315,404 226,264 Business services Jasa pelayanan sosial 117,707 112,540 251,461 239,832 Social services Pengangkutan, pergudangan Transportation, warehousing dan komunikasi 101,635 72,098 72,253 46,711 and communications Pertambangan 133,282 126,928 37,161 28,904 Mining Listrik, gas dan air 3,893 1,862 2,427 1,422 Electricity, gas and water Lain-lain 842,502 426,637 785,649 444,542 Others Total 5,421,043 4,009,667 5,636,814 4,106,201 Total 401 L T h BNI CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2013 DAN 2012 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2013 AND 2012 Expressed in millions of Rupiah, unless otherwise stated 12. PINJAMAN YANG DIBERIKAN lanjutan 12. LOANS continued