PT Bank Mandiri Persero, Tbk.

PT WIJAYA KARYA PERSERO, Tbk. PT WIJAYA KARYA PERSERO, Tbk. DAN ENTITAS ANAK AND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN NOTES TO CONSOLIDATED FINANCIAL STATEMENTS Untuk tahun-tahun yang berakhir tanggal 31 Desember 2011 dan 2010 For the years ended December 31, 2011 and 2010 Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain Expressed in thousand Rupiah, unless otherwise stated 1. 1. 2. 2. 4. 4. 5. 5. - - g. PT Bank Permata, Tbk g. PT Bank Permata, Tbk Perseroan wajib mengusahakan kinerja keuangan dengan indikator sebagai berikut: 3. 3. Masa berlaku kredit 21 Mei 2010 sampai dengan 21 Mei 2011 Saat ini dalam proses perpanjangan. The validity period of credit agreement as from May 21, 2010 up to May 21, 2011 Currently in the process of renewal. Collateral of these loans are receivables from projects that are financed from credit facilities of PT Bank Negara Indonesia Persero, Tbk. which is tied with the Deed of Cessie Agreement No.29 dated May 21, 2010 made before Imas Fatimah S.H., Notary in Jakarta. Current Ratio minimal 100; Debt to Equity Ratio DER maksimal 278 dan Debt Service Coverage minimal 100. The Company shall seek financial performance indicators as follows: Kredit ini dijamin dengan Tagihan termin atas proyek-proyek yang dibiayai oleh fasilitas kredit dari PT Bank Negara Indonesia Persero, Tbk. berupa tagihan Proyek yang diikat dengan Akta Perjanjian Cessie No.29 tanggal 21 Mei 2010 dihadapan Imas Fatimah, S.H., Notaris di Jakarta. Fasilitas Kredit Modal Kerja maksimum senilai Rp.50.000.000.000 nilai penuh. Tingkat suku bunga sebesar 11,00 per tahun. The interest rate is 11,00 per annum. Current Ratio of at least 100; Debt to Equity Ratio DER maximum of 278 and Debt Service Coverage of at least 100. Indirect Credit Facilities Non Cash Loan with a maximum credit up to Rp400,000,000,000 full amount. Working Capital Loan Facility to a maximum of Rp.50,000,000,000 full amount. Fasilitas Kredit Tidak Langsung Non Cash Loan dengan maksimum kredit hingga Rp400.000.000.000 nilai penuh. 1. 1. 2. 2. 3. 3. 4. 4. Loans are guaranteed by charges tied to the Project Deed Fiduciary Guarantee Agreement No. 107 dated July 19, 2011, made by Sri Ismiyati, SH, notary in Jakarta. Fasilitas Letter of Credit dengan limit maksimum senilai Rp 300.000.000.000 nilai penuh, fasilitas rekening koran dengan limit maksimum senilai Rp. 25.000.000.000 nilai penuh Kredit ini dijamin dengan tagihan Proyek yang diikat dengan Akta Perjanjian Pemberian Jaminan Fidusia No.107 tanggal 19 Juli 2011 dihadapan Sri Ismiyati, S.H., Notaris di Jakarta. Letter of Credit Facility with a maximum of Rp.300.000.000.000 full amount, an overdraft facility with a maximum of Rp. 25.000.000.000 full amount Masa berlaku kredit tanggal 19 Juli 2011 sampai dengan 18 Juli 2012 The validity period of credit dated July 19, 2011 up to July 18, 2012 Interest rates ranged from 9.75 -10.00 per annum for Rupiah, and 4.75 -5.00 per annum for USD Tingkat suku bunga berkisar 9,75-10,00 per tahun untuk Rupiah, dan 4,75-5,00 per tahun untuk USD Perseroan telah memperpanjang perjanjian kredit dengan PT Bank Permata, Tbk. Sesuai Akta No. 106, tanggal 19 Juli 2011, yang dibuat oleh Sri Ismiyati, SH, Notaris di Jakarta. PT Bank Permata, Tbk memberikan fasilitas kredit dengan ketentuan sebagai berikut : The Company has extended its credit agreement with PT Bank Permata, Tbk. accordance with the Deed. No 106, dated July 19, 2011, made before Sri Ismiyati, SH, Notary in Jakarta. PT Bank Permata, Tbk provides credit facilities with the following conditions: 93 PT WIJAYA KARYA PERSERO, Tbk. PT WIJAYA KARYA PERSERO, Tbk. DAN ENTITAS ANAK AND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN NOTES TO CONSOLIDATED FINANCIAL STATEMENTS Untuk tahun-tahun yang berakhir tanggal 31 Desember 2011 dan 2010 For the years ended December 31, 2011 and 2010 Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain Expressed in thousand Rupiah, unless otherwise stated - - - - - - - Rasio hutang dengan EBITDA maksimal 3 kali - The ratio of debt to EBITDA maximum of 3 times h. h. 1. 2. 3. 4. The interest rate at 9.00 per annum of the outstanding loan principal. Fasilitas Dana Investasi diberikan dengan jaminan Facilities Investment Funds given Current ratio tidak kurang dari 1 kali Current ratio not less than 1 times Masa berlaku kredit 29 Juli 2010 sampai dengan 16 Agustus 2011. Loan Facility available funds amounting to Rp50,000,000,000 full amount. 1. The company already has the Investment Agreement Providing Working Capital in the Context of Development Pressurized LPG Terminal Project at Tanjung Sekong Banten, as outlined in the deed No.101 credit agreement dated July 29, 2010, made before Sri Ismiyati, SH, Notary in Jakarta are as follows: Credit validity period starting from July 29, 2010 to August 16, 2011. The ratio of EBITDA to 1.5 times the maximum interest costs 4. 2. 3. Perseroan wajib mengusahakan kinerja keuangan dengan indikator sebagai berikut: The Company shall seek financial performance indicators as follows: Debt to equity ratio tidak lebih dari 3 kali Fasilitas Pinjaman dana yang tersedia sebesar Rp50.000.000.000 nilai penuh. Debt to equity ratio of not more than 3 times Rasio EBITDA dengan biaya bunga maksimal 1,5 kali Tingkat suku bunga sebesar 9,00 per tahun dari saldo pokok pinjaman. Pusat Investasi Pemerintahan PIP Kementrian Keuangan Republik Indonesia Government Investment Center PIP, Ministry of Finance Republik Indonesia Perseroan telah memiliki Perjanjian Investasi Pemberian Modal Kerja Dalam Rangka Pembangunan Proyek Terminal LPG Pressurized di Tanjung Sekong Banten, sebagai mana tertuang dalam akta perjanjian kredit No.101 tanggal 29 Juli 2010 dihadapan Sri Ismiyati, SH, Notaris di Jakarta adalah sebagai berikut: 1. 2. 3. 4. Pada tanggal 25 Juli 2011, Perseroan telah melunasi pinjaman kepada Pusat Investasi Pemerintah PIP Kementrian Keuangan RI. On July 25, 2011, the company had repaid the loan to Government Investment Center PIP, Ministry of Finance Republik Indonesia berupa tagihan Proyek Tanjung Sekong. guaranteecollateral as receivable from Tanjung Sekong Project. 3. 4. Working Capital Loan Facility to a maximum of USD50,000,000 full amount. Fasilitas Kredit Limit Gabungan USD50.000.000 nilai penuh. i. Bank Guarantee Facility in the form of foreign currency amounting to USD50,000,000 full amount. The Hongkong and Shanghai Banking Corporation Limited HSBC 2. The validity period of credit April 21, 2011 to April 21, 2013. Facility Standby Letter of Credit in the form of foreign currency amounting to USD30,000,000 full amount. The Company has entered into a credit agreement with The Hongkong and Shanghai Banking Corporation Limited HSBC as outlined in the deed of loan agreement No.13 dated April 21, 2011 made before Dr. A. Partomuan Pohan, SH, LLM Notary in Jakarta, provides credit facilities with the following conditions: 1. Fasilitas Standby Letter of Credit dalam bentuk mata uang asing sebesar USD30.000.000 nilai penuh

i. The Hongkong and Shanghai Banking Corporation

Limited HSBC Perseroan telah mengadakan perjanjian kredit dengan The Hongkong and Shanghai Banking Corporation Limited HSBC sebagai mana tertuang dalam akta perjanjian kredit No.13 tanggal 21 April 2011 dibuat dihadapan Dr. A. Partomuan Pohan, SH,LLM Notaris di Jakarta, memberikan fasilitas kredit non cash loan dengan ketentuan sebagai berikut : Masa berlaku kredit 21 April 2011 sampai dengan 21 April 2013. Fasilitas Bank Garansi dalam bentuk mata uang asing sebesar USD50.000.000 nilai penuh 94