TAGIHAN DAN KREDIT LOANS

PT BANK ARTHA GRAHA INTERNASIONAL Tbk CATATAN ATAS LAPORAN KEUANGAN Tahun yang Berakhir pada Tanggal-tanggal 31 Desember 2010 dan 2009 Dinyatakan dalam Rupiah, kecuali dinyatakan lain Indonesian language. PT BANK ARTHA GRAHA INTERNASIONAL Tbk NOTES TO THE FINANCIAL STATEMENTS Years Ended December 31, 2010 and 2009 Expressed in Rupiah, unless otherwise stated 63

8. TAGIHAN DAN

KEWAJIBAN DERIVATIF lanjutan 8. DERIVATIVE RECEIVABLE AND PAYABLE continued Rincian tagihan dan kewajiban derivatif pada tanggal 31 Desember 2009 adalah sebagai berikut: The details of derivative receivable and payable as of December 31, 2009 are as follows: 2009 Nilai Nosional Tagihan Kewajiban Kontrak Derivatif Derivatif Notional Value Derivative Derivative Contract Receivable Payable ANZ Bank 1.903.000.000 4.561.983 - ANZ Bank Tony Permana 1.898.000.000 - 9.000.000 Tony Permana Jumlah 4.561.983 9.000.000 Total Cadangan kerugian penurunan nilai 45.620 - Allowance for impairment losses Bersih 4.516.363 9.000.000 Net Tagihan derivatif pada tanggal 31 Desember 2009 merupakan transaksi pada pihak ketiga dan dikelompokkan lancar. Derivative receivable as of December 31, 2009 are made with third parties and classified as current. Mutasi cadangan kerugian penurunan nilai tagihan derivatif adalah sebagai berikut: The changes in the allowance for impairment losses are as follows: 2010 2009 Saldo awal 45.620 17.940.000 Beginning balance Dampak atas penerapan awal Effect of first adoption of PSAK 5055 Revisi 2006 PSAK 5055 Revised 2006 Catatan 47 45.620 Note 47 Pemulihan selama tahun berjalan 17.894.380 Reversal during the year Saldo akhir - 45.620 Ending balance Termasuk selisih kurs karena penjabaran mata uang Including exchange rate differences Manajemen berpendapat bahwa jumlah cadangan kerugian penurunan nilai telah memadai. Management believes that the allowance for impairment losses is adequate. PT BANK ARTHA GRAHA INTERNASIONAL Tbk CATATAN ATAS LAPORAN KEUANGAN Tahun yang Berakhir pada Tanggal-tanggal 31 Desember 2010 dan 2009 Dinyatakan dalam Rupiah, kecuali dinyatakan lain Indonesian language. PT BANK ARTHA GRAHA INTERNASIONAL Tbk NOTES TO THE FINANCIAL STATEMENTS Years Ended December 31, 2010 and 2009 Expressed in Rupiah, unless otherwise stated 64 9. KREDIT 9. LOANS a. Jenis Kredit a. By Type of Loan 2010 Pihak Hubungan Istimewa Pihak Ketiga Jumlah Related Parties Third Parties Total Rupiah Rupiah Fixed loan - 4.561.742.055.803 4.561.742.055.803 Fixed loans Revolving loan 500.000.000 4.527.637.789.514 4.528.137.789.514 Revolving loans Pinjaman rekening koran - 366.270.173.165 366.270.173.165 Overdraft Kredit pemilikan rumah - 278.990.873.701 278.990.873.701 Housing loans Kredit wirausaha - 26.898.247.178 26.898.247.178 Entrepreneurs loans Pinjaman karyawan - 21.625.796.542 21.625.796.542 Employees loans Kredit pemilikan mobil - 41.627.814.499 41.627.814.499 Car loans Kredit mahasiswa - 218.285.406 218.285.406 Students loans Jumlah dalam Rupiah 500.000.000 9.825.011.035.808 9.825.511.035.808 Total in Rupiah Mata Uang Asing Foreign Currency Fixed loan - 708.925.453.579 708.925.453.579 Fixed loans Revolving loan - 611.885.114.370 611.885.114.370 Revolving loans Trust receipts - 32.529.624.891 32.529.624.891 Trust receipts Jumlah dalam Mata Uang Asing - 1.353.340.192.840 1.353.340.192.840 Total in Foreign Currency Jumlah kredit 500.000.000 11.178.351.228.648 11.178.851.228.648 Total loans Cadangan kerugian Allowance for penurunan nilai 193.661.435.179 impairment losses Bersih 10.985.189.793.469 Net 2009 Pihak Hubungan Istimewa Pihak Ketiga Jumlah Related Parties Third Parties Total Rupiah Rupiah Fixed loan - 4.882.383.984.718 4.882.383.984.718 Fixed loans Revolving loan 163.500.000.000 3.949.302.904.665 4.112.802.904.665 Revolving loans Pinjaman rekening koran - 471.242.398.558 471.242.398.558 Overdraft Kredit pemilikan rumah - 338.318.764.445 338.318.764.445 Housing loans Kredit wirausaha - 30.289.749.683 30.289.749.683 Entrepreneurs loans Pinjaman karyawan - 15.093.482.165 15.093.482.165 Employees loans Kredit pemilikan mobil - 5.207.389.850 5.207.389.850 Car loans Kredit mahasiswa - 112.218.586 112.218.586 Students loans Jumlah dalam Rupiah 163.500.000.000 9.691.950.892.670 9.855.450.892.670 Total in Rupiah PT BANK ARTHA GRAHA INTERNASIONAL Tbk CATATAN ATAS LAPORAN KEUANGAN Tahun yang Berakhir pada Tanggal-tanggal 31 Desember 2010 dan 2009 Dinyatakan dalam Rupiah, kecuali dinyatakan lain Indonesian language. PT BANK ARTHA GRAHA INTERNASIONAL Tbk NOTES TO THE FINANCIAL STATEMENTS Years Ended December 31, 2010 and 2009 Expressed in Rupiah, unless otherwise stated 65 9. KREDIT lanjutan 9. LOANS continued