LOANS continued a. Berdasarkan jenis, mata uang, dan kualitas LOANS continued a. Berdasarkan jenis, mata uang, dan kualitas

1 2 3 4 567 83 2 3 9 28 : 2 ; 2 = ? 14 CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2012, 2011 DAN 2010 Dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE FINANCIAL STATEMENTS 31 DECEMBER 2012, 2011 AND 2010 Expressed in million Rupiah, unless otherwise stated Lampiran – 555 – Schedule 10. PINJAMAN YANG DIBERIKAN lanjutan

10. LOANS continued a. Berdasarkan jenis, mata uang, dan kualitas

kredit lanjutan a. By type, currency, and loan quality continued Kualitas pinjaman yang diberikan berdasarkan kolektibilitas sesuai ketentuan Bank Indonesia. lanjutan Loans quality based on collectibility according to Bank Indonesia regulation. continued 2011 Dalam perhatian Kurang khusus lancar Lancar Special Sub- Diragukan Macet Jumlah Current mention Standard Doubtful Loss Total Pihak berelasi Related parties Rupiah Rupiah Kredit konsumsi 67,440 - - - - 67,440 Consumer loans Kredit modal kerja 32,691 5,876 - - - 38,567 Working capital loans Kredit investasi 695 - - - - 695 Investment loans Sub jumlah 100,826 5,876 - - - 106,702 Sub total Pihak ketiga Third parties Rupiah Rupiah Kredit konsumsi 2,549,226 37,711 3,900 4,895 23,364 2,619,096 Consumer loans Kredit modal kerja 449,027 12,264 437 3,608 10,233 475,569 Working capital loans Kredit investasi 49,903 12,003 935 395 7,373 70,609 Investment loans Sub jumlah 3,048,156 61,978 5,272 8,898 40,970 3,165,274 Sub total Dolar Amerika Serikat United States Dollar Kredit modal kerja 66,358 - - - - 66,358 Working capital loans Kredit investasi 3,442 - - - - 3,442 Investment loans Sub jumlah 69,800 - - - - 69,800 Sub total 3,218,782 67,854 5,272 8,898 40,970 3,341,776 Dikurangi : Cadangan kerugian penurunan Less : Allowance for nilai 6,869 3,855 1,021 1,844 16,266 29,855 impairment losses Jumlah 3,211,913 63,999 4,251 7,054 24,704 3,311,921 Total A B C D E FGH ID C D J CI K C L C M N O P A BE CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2012, 2011 DAN 2010 Dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE FINANCIAL STATEMENTS 31 DECEMBER 2012, 2011 AND 2010 Expressed in million Rupiah, unless otherwise stated Lampiran – 556 – Schedule 10. PINJAMAN YANG DIBERIKAN lanjutan

10. LOANS continued a. Berdasarkan jenis, mata uang, dan kualitas

kredit lanjutan a. By type, currency, and loan quality continued Kualitas pinjaman yang diberikan berdasarkan kolektibilitas sesuai ketentuan Bank Indonesia. lanjutan Loans quality based on collectibility according to Bank Indonesia regulation. continued 2010 Dalam Perhatian Kurang Khusus lancar Lancar Special Sub- Diragukan Macet Jumlah Current mention Standard Doubtful Loss Total Pihak berelasi Related parties Rupiah Rupiah Kredit konsumsi 78,689 - - - - 78,689 Consumer loans Kredit modal kerja 33,937 - - - - 33,937 Working capital loans Kredit investasi 1,204 - - - - 1,204 Investment loans Sub jumlah 113,830 - - - - 113,830 Sub total Dolar Amerika Serikat United States Dollar Kredit modal kerja 205,081 - - - - 205,081 Working capital loans Sub jumlah 205,081 - - - - 205,081 Sub total Pihak ketiga Third parties Rupiah Rupiah Kredit konsumsi 1,837,926 30,628 6,373 8,789 14,610 1,898,326 Consumer loans Kredit modal kerja 256,999 8,160 1,217 684 6,597 273,657 Working capital loans Kredit investasi 33,580 1,029 3,199 115 3,573 41,496 Investment loans Pinjaman rekening koran 14,328 5,961 - - 274 20,563 Current account Lainnya 2,469 - - - - 2,469 Others Sub jumlah 2,145,302 45,778 10,789 9,588 25,054 2,236,511 Sub total Dolar Amerika Serikat United States Dollar Kredit modal kerja 360 - - - - 360 Working capital loans Sub jumlah 360 - - - - 360 Sub total 2,464,573 45,778 10,789 9,588 25,054 2,555,782 Dikurangi : Cadangan kerugian penurunan Less : Allowance for nilai 22,915 1,696 1,504 4,595 17,657 48,367 impairment losses Jumlah 2,441,658 44,082 9,285 4,993 7,397 2,507,415 Total Rasio kredit bermasalah “NPL” dihitung sesuai dengan pedoman perhitungan rasio keuangan sebagaimana tercantum dalam Surat Edaran Bank Indonesia No.330DPNP tanggal 14 Desember 2001 sebagaimana telah diubah dengan Surat Edaran Bank Indonesia No. 710DPNP tanggal 31 Maret 2005 yang kemudian diubah melalui Surat Edaran Bank Indonesia No.1211DPNP tanggal 31 Maret 2010. Pada tanggal 31 Desember 2012, NPL bruto dan neto Bank masing-masing adalah sebesar 1.99 dan 1.31 2011: 1,65 dan 1,08 dan 2010: 1,76 dan 0,86 dan masih lebih rendah dari NPL bruto maksimum 5,00 yang diisyaratkan oleh Bank Indonesia. Non performing loans “NPL” is determined based on financial ratio calculation guidance as stated in Circular Letter of Bank Indonesia No. 330DPNP dated 14 December 2001 as amended with the Circular Letter of Bank Indonesia No. 710DPNP dated 31 March 2005 then subsequently amended by Circular Letter of Bank Indonesia No.1211DPNP dated 31 March 2010. As at 31 December 2012, the percentage of the Bank’s gross and net NPL is 1.99 and 1.31 2011: 1.65 and 1.08 and 2010: 1.76 and 0.86, respectively, which is lower than maximum gross NPL of 5.00 as required by Bank Indonesia. QR S T U V WXY QZU T U [ TZ \ T ] T _ ` a R SV CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2012, 2011 DAN 2010 Dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE FINANCIAL STATEMENTS 31 DECEMBER 2012, 2011 AND 2010 Expressed in million Rupiah, unless otherwise stated Lampiran – 557 – Schedule 10. PINJAMAN YANG DIBERIKAN lanjutan

10. LOANS continued b. Berdasarkan sektor ekonomi

b. By economic sector

Pinjaman yang djiberikan berdasarkan sektor ekonomi dan pinjaman yang mengalami penurunan nilai dan tidak mengalami penurunan nilai. Loans based on economic sector and impaired and non-impaired loans. 2012 Tidak Mengalami mengalami penurunan penurunan nilai dan nilai dan penilaian penilaian secara secara kolektif dan kolektif individual Non-impaired Impaired and and collectively and collectively individually Jumlah assessed assessed Total Rupiah Rupiah Konsumsi 3,734,680 54,962 3,789,642 Consumer Jasa dunia usaha 730,177 4,255 734,432 Business services Jasa pelayanan sosial 319,809 12,124 331,933 Social services Industri pengolahan 157,239 8,476 165,715 Processing industry Pertanian, perburuan Agriculture, hunting and dan sarana pertanian 61,916 3,953 65,869 agriculture improvements Perdagangan, restoran dan hotel 58,908 23,141 82,049 Trading, restaurant and hotel Pengangkutan, pergudangan Transportation, warehouse dan komunikasi 6,352 450 6,802 and communication Konstruksi 5,839 1,647 7,486 Construction Pertambangan 2,788 - 2,788 Mining Sub jumlah 5,077,708 109,008 5,186,716 Sub total Dolar Amerika Serikat United States Dollar Industri pengolahan 28,019 - 28,019 Processing industry Konstruksi 27,308 - 27,308 Construction Perdagangan, restoran dan hotel 13,828 246 14,074 Trading, restaurant and hotel Pertambangan 4,244 - 4,244 Mining Pengangkutan, pergudangan Transportation, warehouse dan komunikasi 483 - 483 and communication Sub jumlah 73,882 246 74,128 Sub total 5,151,590 109,254 5,260,844 Dikurangi: Cadangan Less: Allowance for kerugian penurunan nilai impairment losses Kredit konsumsi 8,501 16,830 25,331 Consumer loans Modal kerja 9,942 9,819 19,761 Working capital loans Investasi 2,970 8,805 11,775 Investment loans Sub jumlah 21,413 35,454 56,867 Sub total Jumlah 5,130,177 73,800 5,203,977 Total