MARKETABLE SECURITIES continued Annual Report Bank Artha Graha 2015 final lowres

PT BANK ARTHA GRAHA INTERNASIONAL Tbk CATATAN ATAS LAPORAN KEUANGAN Tanggal 31 Desember 2015 dan Untuk Tahun yang Berakhir pada Tanggal Tersebut Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain PT BANK ARTHA GRAHA INTERNASIONAL Tbk NOTES TO THE FINANCIAL STATEMENTS As of December 31, 2015 and For The Year Then Ended Expressed in millions of Rupiah, unless otherwise stated 75 12. KREDIT YANG DIBERIKAN 12. LOANS a. Berdasarkan jenis, mata uang dan pihak a. By type, currency and party 2015 2014 Rupiah Rupiah Pihak berelasi Related parties Revolving loans 121.571 78.356 Revolving loans Pinjaman rekening koran 6.798 6.147 Overdraft Fixed loans - 5.289 Fixed loans Pihak ketiga Third parties Fixed loans 6.852.833 6.126.904 Fixed loans Revolving loans 5.441.710 6.083.364 Revolving loans Kredit pemilikan rumah 1.237.495 1.071.707 Housing loans Pinjaman rekening koran 617.255 587.760 Overdraft Kredit sindikasi 190.077 134.091 Syndicated loan Pinjaman karyawan 104.726 51.908 Employee loans Kredit tanpa agunan 79.463 25.400 Unsecured loans Kredit pemilikan kios 13.852 17.760 Kiosk loans Kredit pemilikan mobil 9.106 39.046 Car loans Trust receipts 3.055 - Trust receipts Kredit wirausaha 253 761 Entrepreneurs loans Jumlah Rupiah 14.678.194 14.228.493 Total Rupiah Mata Uang Asing Foreign Currencies Pihak ketiga Third parties Revolving loans 1.719.338 1.594.278 Revolving loans Fixed loans 941.693 1.323.908 Fixed loans Trust receipts - 3.410 Trust receipts Jumlah Mata Uang Asing 2.661.031 2.921.596 Total Foreign Currencies Jumlah Kredit 17.339.225 17.150.089 Total Loans Cadangan kerugian penurunan nilai 226.597 132.027 Allowance for impairment losses Jumlah Kredit - Neto 17.112.628 17.018.062 Total Loans - Net Tingkat suku bunga rata-rata per tahun adalah sebagai berikut: Average interest rates per annum are as follows: 2015 2014 Rupiah Rupiah Kredit tanpa agunan 27,43 27,59 Unsecured loans Kredit wirausaha 23,70 23,83 Entrepreneur loans Pinjaman rekening koran 15,59 15,63 Overdraft Fixed loans 14,82 14,70 Fixed loans Revolving loans 14,01 14,18 Revolving loans Kredit pemilikan kios 14,00 14,14 Kiosk loans Kredit pemilikan mobil 12,63 12,60 Car loans Kredit sindikasi 12,38 12,94 Syndicated loans Kredit pemilikan rumah 12,29 12,39 Housing loans Trust receipts 14,75 - Trust receipts Pinjaman karyawan 8,93 9,08 Employee loans Mata Uang Asing Foreign Currencies Fixed loans 6,18 6,55 Fixed loans Trust receipts - 8,00 Trust receipts Revolving loans 6,10 5,91 Revolving loans PT BANK ARTHA GRAHA INTERNASIONAL Tbk CATATAN ATAS LAPORAN KEUANGAN Tanggal 31 Desember 2015 dan Untuk Tahun yang Berakhir pada Tanggal Tersebut Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain PT BANK ARTHA GRAHA INTERNASIONAL Tbk NOTES TO THE FINANCIAL STATEMENTS As of December 31, 2015 and For The Year Then Ended Expressed in millions of Rupiah, unless otherwise stated 76 12. KREDIT YANG DIBERIKAN lanjutan 12. LOANS continued b. Berdasarkan sektor ekonomi b. By economic sector 2015 2014 Rupiah Rupiah Pihak berelasi Related parties Konstruksi 74.732 49.967 Construction Restoran dan hotel 31.882 8.842 Restaurant and hotel Perdagangan 17.283 28.083 Trading Jasa 4.472 2.900 Services Pihak ketiga Third parties Jasa 3.855.746 4.351.176 Services Pertanian dan pertambangan 2.283.773 2.599.904 Agribusiness and mining Konstruksi 1.985.515 1.304.640 Construction Perdagangan 1.773.762 1.559.992 Trading Industri 1.289.787 1.246.968 Industry Restoran dan hotel 1.099.503 1.002.689 Restaurant and hotel Transportasi dan komunikasi 516.240 615.932 Transportation and communication Lain-lain 1.745.499 1.457.400 Others Jumlah Rupiah 14.678.194 14.228.493 Total Rupiah Mata Uang Asing Foreign Currencies Pihak ketiga Third parties Pertanian dan pertambangan 1.048.038 976.688 Agribusiness and mining Industri 508.991 490.869 Industry Transportasi dan komunikasi 485.222 548.368 Transportation and communication Perdagangan 252.297 231.229 Trading Konstruksi 246.198 199.120 Construction Jasa 120.016 290.691 Service Restoran dan hotel - 2.111 Restaurant and hotel Lain-lain 269 182.520 Others Jumlah Mata Uang Asing 2.661.031 2.921.596 Total Foreign Currencies Jumlah Kredit 17.339.225 17.150.089 Total Loans Cadangan kerugian penurunan nilai 226.597 132.027 Allowance for impairment losses Jumlah Kredit - Neto 17.112.628 17.018.062 Total Loans - Net Pada tanggal 31 Desember 2015 dan 2014, persentase kredit yang diberikan kepada usaha mikro, kecil dan menengah masing-masing adalah sebesar 9,17 dan 9,67. As of December 31, 2015 and 2014, percentage of loans were granted to micro, small and medium business was 9.17 and 9.67, respectively. c. Berdasarkan jangka waktu periode perjanjian kredit c. By term of the loan agreement 2015 2014 Kurang dari 1 tahun 1.507.793 5.457.550 Less than 1 year 1 sampai dengan 2 tahun 3.504.191 869.452 1 to 2 years 2 sampai dengan 5 tahun 6.225.647 4.095.844 2 to 5 years Lebih dari 5 tahun 6.101.594 6.727.243 More than 5 years Jumlah Kredit 17.339.225 17.150.089 Total Loans Cadangan kerugian penurunan nilai 226.597 132.027 Allowance for impairment losses Jumlah Kredit - Neto 17.112.628 17.018.062 Total Loans - Net