LOANS continued c. Berdasarkan sektor ekonomi lanjutan

BNI ฀ ฀ ฀ 403 are in Indonesian language. PT BANK NEGARA INDONESIA PERSERO Tbk DAN ENTITAS ANAK CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN Tahun yang Berakhir pada Tanggal-tanggal 31 Desember 2011 dan 2010 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain PT BANK NEGARA INDONESIA PERSERO Tbk AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS Years Ended December 31, 2011 and 2010 Expressed in millions of Rupiah, unless otherwise stated 11. PINJAMAN YANG DIBERIKAN lanjutan

11. LOANS continued c. Berdasarkan sektor ekonomi lanjutan

c. By economic sector continued

2011 2010 Mata uang asing Foreign currencies Pertambangan 10.447.060 5.032.357 Mining Perindustrian 5.119.302 5.269.832 Manufacturing Jasa dunia usaha 2.815.115 2.173.730 Business services Listrik, gas dan air 1.731.445 1.838.554 Electricity, gas and water Perdagangan, restoran Trading, restaurants and dan hotel 1.250.813 1.059.246 hotels Pengangkutan, pergudangan Transportation, warehousing dan komunikasi 878.450 556.204 and communications Pertanian 771.458 531.919 Agriculture Konstruksi 61.590 14.815 Construction Jasa pelayanan sosial - - Social services Lain-lain 3.207.476 2.875.635 Others Total mata uang asing 26.282.709 19.352.292 Total foreign currencies Total 163.533.423 136.356.959 Total Penyisihan kerugian Allowance for impairment penurunan nilai 7.028.915 6.957.392 losses Neto 156.504.508 129.399.567 Net

d. Berdasarkan kolektibilitas

d. By collectability

2011 2010 Pokok Penyisihan Pokok Penyisihan Principal Allowance Principal Allowance Individual 6.497.510 3.608.235 7.487.248 4.603.874 Individual Kolektif: Collective: Lancar 149.194.515 1.516.178 121.452.603 1.214.269 Current Dalam perhatian khusus 5.279.134 169.425 5.725.308 185.110 Special mention Kurang lancar 342.946 43.199 517.437 87.614 Substandard Diragukan 638.098 213.212 362.953 88.516 Doubtful Macet 1.581.220 1.478.666 811.410 778.009 Loss Total 163.533.423 7.028.915 136.356.959 6.957.392 Total

e. Pinjaman bermasalah dan penyisihan kerugian penurunan nilai berdasarkan

sektor ekonomi

e. Non-performing loans and allowance for impairment losses by economic sector

2011 2010 Pokok Penyisihan Pokok Penyisihan Principal Allowance Principal Allowance Perindustrian 3.485.316 2.234.685 4.354.599 2.484.261 Manufacturing Perdagangan, Trading, restaurants restoran dan hotel 1.777.426 1.266.314 1.557.846 1.155.289 and hotels Konstruksi 1.112.049 573.922 641.772 486.471 Construction Pengangkutan, Transportation, pergudangan dan warehousing and komunikasi 1.025.968 278.448 787.175 349.402 communications Pertanian 340.516 168.507 321.866 182.430 Agriculture Jasa dunia usaha 297.623 175.842 497.644 423.063 Business services Pertambangan 223.198 105.834 62.803 57.091 Mining Jasa pelayanan sosial 188.654 184.494 188.806 13.411 Social services Listrik, gas dan air 65.051 24.268 245.627 48.715 Electricity, gas and water Lain-lain 543.973 330.998 520.910 357.880 Others Total 9.059.774 5.343.312 9.179.048 5.558.013 Total BNI ฀ ฀ ฀ 404 are in Indonesian language. PT BANK NEGARA INDONESIA PERSERO Tbk DAN ENTITAS ANAK CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN Tahun yang Berakhir pada Tanggal-tanggal 31 Desember 2011 dan 2010 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain PT BANK NEGARA INDONESIA PERSERO Tbk AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS Years Ended December 31, 2011 and 2010 Expressed in millions of Rupiah, unless otherwise stated 11. PINJAMAN YANG DIBERIKAN lanjutan

11. LOANS continued e.