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

429 BNI Laporan Tahunan 2014 DAN ENTITAS ANAKAND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2014 DAN 2013 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2014 AND 2013 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

2014 2013 Mata uang asing Foreign currencies Pertambangan 14,652,013 12,342,618 Mining Perindustrian 6,759,686 6,280,996 Manufacturing Listrik, gas dan air 5,734,629 5,556,415 Electricity, gas and water Jasa dunia usaha 4,751,334 6,685,512 Business services Perdagangan, restoran dan hotel 2,124,700 1,954,168 Trading, restaurants and hotels Pertanian 835,660 133,900 Agriculture Pengangkutan, pergudangan Transportation, warehousing dan komunikasi 825,622 635,556 and communications Konstruksi 349,234 335,258 Construction Jasa pelayanan sosial - 57,588 Social services Lain-lain 4,971,615 4,353,978 Others 41,004,493 38,335,989 Total 277,622,281 250,637,843 Total Cadangan kerugian Allowance for penurunan nilai 6,970,295 6,880,036 impairment losses Neto 270,651,986 243,757,807 Net

d. Berdasarkan kolektibilitas Bank Indonesia

d. By Bank Indonesia collectibility

2014 2013 Pokok Principal Cadangan kerugian penurunan nilai Allowance for impairment losses Pokok Principal Cadangan kerugian penurunan nilai Allowance for impairment losses Lancar 264,621,953 1,620,224 238,073,767 1,311,743 Pass Dalam perhatian khusus 7,563,588 1,102,881 7,143,033 1,558,626 Special mention Kurang lancar 391,745 194,158 546,276 171,048 Substandard Diragukan 851,119 539,641 736,350 415,611 Doubtful Macet 4,193,876 3,513,391 4,138,417 3,423,008 Loss 277,622,281 6,970,295 250,637,843 6,880,036

e. Pinjaman

bermasalah dan cadangan kerugian penurunan nilai berdasarkan sektor ekonomi

e. Non-performing loans and allowance for

impairment losses by economic sector 2014 2013 Pokok Principal Cadangan kerugian penurunan nilai Allowance for impairment losses Pokok Principal Cadangan kerugian penurunan nilai Allowance for impairment losses Perdagangan, Trading, restaurants restoran dan hotel 1,643,560 1,193,482 1,503,097 959,632 and hotels Perindustrian 986,958 903,869 1,206,500 1,120,853 Manufacturing Konstruksi 536,405 482,801 605,174 531,612 Construction Jasa dunia usaha 440,204 337,297 395,746 245,542 Business services Pertanian 293,901 231,007 511,507 411,963 Agriculture Pertambangan 271,094 263,877 133,282 126,928 Mining Pengangkutan, pergudangan Transportation, warehousing dan komunikasi 225,113 170,712 101,635 72,098 and communications Jasa pelayanan sosial 25,346 18,844 117,707 112,540 Social services Listrik, gas dan air 6,762 3,315 3,893 1,862 Electricity, gas and water Lain-lain 1,007,397 641,986 842,502 426,637 Others Total 5,436,740 4,247,190 5,421,043 4,009,667 Total BNI Laporan Tahunan 2014 DAN ENTITAS ANAKAND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2014 DAN 2013 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2014 AND 2013 Expressed in millions of Rupiah, unless otherwise stated 12. PINJAMAN YANG DIBERIKAN lanjutan 12. LOANS continued