Berdasarkan jenis, mata uang dan transaksi dengan pihak yang mempunyai hubungan By type, currency and transactions with related parties and third parties

Annual Report 2008 BNI 253 The original consolidated financial statements included herein are in Indonesian language. PT BANK NEGARA INDONESIA PERSERO Tbk DAN ANAK PERUSAHAAN CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN Tahun yang Berakhir pada Tanggal-tanggal 31 Desember 2008 dan 2007 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, 2008 and 2007 Expressed in millions of Rupiah, unless otherwise stated 11. PINJAMANPEMBIAYAANPIUTANG YANG DIBERIKAN lanjutan

11. LOANSFINANCINGRECEIVABLES continued a. Berdasarkan jenis, mata uang dan transaksi

dengan pihak yang mempunyai hubungan istimewa dan pihak ketiga lanjutan

a. By type, currency and transactions with related parties and third parties continued

2008 2007 Mata uang asing Foreign currencies Modal kerja 10.951.372 14.276.347 Working capital Sindikasi 5.812.302 6.098.801 Syndicated Investasi 5.701.682 2.947.970 Investment Konsumen 40.168 6.329 Consumer Jumlah mata uang asing 22.505.524 23.329.447 Total foreign currencies Jumlah pihak ketiga 111.689.127 88.570.276 Total third parties Jumlah 111.994.397 88.651.188 Total Penyisihan kerugian 5.652.046 5.436.203 Allowance for losses Bersih 106.342.351 83.214.985 Net Pinjaman yang diberikan dalam mata uang asing terutama terdiri dari Dolar Amerika Serikat, Pound Sterling Inggris, Euro Eropa, Yen Jepang, Dolar Hong Kong dan Dolar Singapura. Loans in foreign currencies were principally denominated in United States Dollar, British Pound Sterling, European Euro, Japanese Yen, Hong Kong Dollar and Singapore Dollar. Pinjaman yang diberikan dijamin dengan agunan yang diikat dengan hipotik, hak tanggungan atau surat kuasa untuk menjual, deposito berjangka dan jaminan lain yang diterima. Loans were generally collateralized by registered mortgages, powers of attorney to mortgage or sell, time deposits and by other guarantees. b. Berdasarkan sektor ekonomi b. By economic sector 2008 2007 Rupiah Rupiah Perindustrian 20.951.379 16.325.153 Manufacturing Perdagangan, restoran Trading, restaurants dan hotel 18.651.590 15.767.238 and hotels Jasa dunia usaha 10.828.119 6.561.502 Business services Pengangkutan, pergudangan Transportation, warehousing dan komunikasi 6.724.801 3.446.796 and communications Konstruksi 5.062.393 4.099.889 Construction Pertanian 4.097.868 3.072.329 Agriculture Listrik, gas dan air 2.369.890 317.107 Electricity, gas and water Jasa pelayanan sosial 949.634 651.890 Social services Pertambangan 805.299 489.034 Mining Lain-lain 19.047.900 14.590.803 Others Jumlah Rupiah 89.488.873 65.321.741 Total Rupiah 254 Laporan Tahunan 2008 BNI The original consolidated financial statements included herein are in Indonesian language. PT BANK NEGARA INDONESIA PERSERO Tbk DAN ANAK PERUSAHAAN CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN Tahun yang Berakhir pada Tanggal-tanggal 31 Desember 2008 dan 2007 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, 2008 and 2007 Expressed in millions of Rupiah, unless otherwise stated 11. PINJAMANPEMBIAYAANPIUTANG YANG DIBERIKAN lanjutan

11. LOANSFINANCINGRECEIVABLES continued b. Berdasarkan sektor ekonomi lanjutan

b. By economic sector continued

2008 2007 Mata uang asing Foreign currencies Perindustrian 8.178.408 8.980.354 Manufacturing Listrik, gas dan air 4.315.208 3.960.001 Electricity, gas and water Pertambangan 2.525.375 3.887.838 Mining Perdagangan, restoran Trading, restaurants and dan hotel 2.365.321 1.936.912 hotels Jasa dunia usaha 1.146.241 1.005.269 Business services Pertanian 1.108.397 952.299 Agriculture Konstruksi 482.269 632.653 Construction Pengangkutan, pergudangan Transportation, warehousing dan komunikasi 386.816 294.218 and communications Jasa pelayanan sosial 23.349 41.136 Social services Lain-lain 1.974.140 1.638.767 Others Jumlah mata uang asing 22.505.524 23.329.447 Total foreign currencies Jumlah 111.994.397 88.651.188 Total Penyisihan kerugian 5.652.046 5.436.203 Allowance for losses Bersih 106.342.351 83.214.985 Net c. Berdasarkan kolektibilitas c. By collectibility 2008 2007 Pokok Penyisihan Pokok Penyisihan Principal Allowance Principal Allowance Lancar 96.751.680 1.142.688 74.032.721 951.796 Current Dalam perhatian khusus 9.646.780 853.688 7.053.533 453.123 Special mention Kurang lancar 1.527.544 212.721 1.165.601 338.134 Substandard Diragukan 790.031 561.064 725.805 338.245 Doubtful Macet 3.278.362 2.881.885 5.673.528 3.354.905 Loss Jumlah 111.994.397 5.652.046 88.651.188 5.436.203 Total

d. Pinjaman bermasalah

dan penyisihan penghapusan berdasarkan sektor ekonomi d. Non-performing loans and allowance for losses by economic sector 2008 2007 Pokok Penyisihan Pokok Penyisihan Principal Allowance Principal Allowance Perindustrian 2.719.801 1.859.338 3.657.129 2.268.832 Manufacturing Perdagangan, Trading, restaurants restoran dan hotel 1.155.703 749.751 1.745.589 566.444 and hotels Jasa dunia usaha 441.262 240.174 338.750 170.430 Business services Konstruksi 270.303 141.026 634.477 405.550 Construction Pertanian 234.757 157.837 153.393 45.658 Agriculture Pengangkutan, Transportation, pergudangan dan warehousing and komunikasi 106.559 29.448 173.780 32.412 communications Pertambangan 89.609 47.707 89.270 25.266 Mining Jasa pelayanan sosial 46.849 32.393 35.866 4.621 Social services Listrik, gas dan air - - 37.003 36.384 Electricity, gas and water Lain-lain 531.094 397.996 699.677 475.687 Others Jumlah 5.595.937 3.655.670 7.564.934 4.031.284 Total