Berdasarkan hubungan By relationship Berdasarkan sektor ekonomi By economic sector

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

b. Berdasarkan hubungan

b. By relationship

2014 2013 Pihak berelasi Related parties Rupiah Rupiah Konsumen 50,555 172,193 Consumer Modal kerja 20,903,857 18,213,027 Working capital Investasi 15,841,794 14,344,206 Investment Karyawan 25,286 20,826 Employee Total pihak berelasi 36,821,492 32,750,252 Total related parties Pihak ketiga Third parties Rupiah Rupiah Modal kerja 90,080,375 84,040,832 Working capital Konsumen 57,341,044 51,427,835 Consumer Investasi 33,038,682 28,980,333 Investment Sindikasi 15,538,674 11,762,788 Syndicated Karyawan 2,997,811 2,731,403 Employee Program pemerintah 799,710 608,411 Government programs 199,796,296 179,551,602 Mata uang asing Foreign currencies Modal kerja 27,405,852 26,117,832 Working capital Investasi 10,200,256 8,682,792 Investment Sindikasi 3,263,995 3,403,301 Syndicated Konsumen 134,390 132,064 Consumer 41,004,493 38,335,989 Total pihak ketiga 240,800,789 217,887,591 Total third parties 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

c. Berdasarkan sektor ekonomi

c. By economic sector

2014 2013 Rupiah Rupiah Perindustrian 44,271,608 39,116,551 Manufacturing Perdagangan, restoran dan hotel 41,231,777 38,436,474 Trading, restaurants and hotels Pertanian 23,519,416 18,459,146 Agriculture Jasa dunia usaha 20,692,225 18,531,012 Business services Pengangkutan, pergudangan Transportation, warehousing dan komunikasi 19,504,388 18,315,601 and communications Konstruksi 11,742,030 12,059,195 Construction Listrik, gas dan air 8,594,461 7,370,153 Electricity, gas and water Pertambangan 3,732,237 3,243,557 Mining Jasa pelayanan sosial 1,955,556 1,967,013 Social services Lain-lain 61,374,090 54,803,152 Others 236,617,788 212,301,854 429 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