SURAT-SURAT BERHARGA lanjutan MARKETABLE SECURITIES continued

PT BANK ARTHA GRAHA INTERNASIONAL Tbk CATATAN ATAS LAPORAN KEUANGAN Tanggal 31 Desember 2014 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, 2014 and For The Year Then Ended Expressed in millions of Rupiah, unless otherwise stated 69

10. PENDAPATAN BUNGA YANG MASIH AKAN DITERIMA lanjutan

10. ACCRUED INTEREST

RECEIVABLES continued Pendapatan bunga yang masih akan diterima berdasarkan mata uang: Accrued interest receivables based on currency: 2014 2013 Rupiah 128.918 88.312 Rupiah Mata uang asing 23.866 11.495 Foreign currencies Jumlah 152.784 99.807 Total 11. BIAYA DIBAYAR DI MUKA 11. PREPAID EXPENSES Akun ini terdiri dari: This account consists of: 2014 2013 Sewa dibayar di muka 111.151 67.002 Prepaid rent Renovasi gedung kantor 11.958 7.803 Office building renovation Karyawan 2.682 1.474 Employees Pemasaran 1.482 1.721 Marketing Taksiran tagihan pajak penghasilan Catatan 33b - 24.487 Estimated claim for income tax refund Note 33b Jumlah 127.273 102.487 Total 12. KREDIT YANG DIBERIKAN 12. LOANS a. Berdasarkan jenis, mata uang dan pihak a. By type, currency and party 2014 2013 Rupiah Rupiah Pihak berelasi Related parties Revolving loans 78.356 68.136 Revolving loans Pinjaman rekening koran 6.147 1.800 Overdraft Fixed loans 5.289 13.316 Fixed loans Pihak ketiga Third parties Fixed loans 6.126.904 5.447.056 Fixed loans Revolving loans 6.083.364 5.501.189 Revolving loans Kredit pemilikan rumah 1.071.707 968.010 Housing loans Pinjaman rekening koran 587.760 491.659 Overdraft Kredit sindikasi 134.091 38.601 Syndicated loan Pinjaman karyawan 51.908 31.904 Employee loans Kredit pemilikan mobil 39.046 81.620 Car loans Kredit tanpa agunan 25.400 2.783 Unsecured loans Kredit pemilikan kios 17.760 21.036 Kiosk loans Kredit wirausaha 761 1.527 Entrepreneurs loans Trust receipts - 32.029 Trust receipts Jumlah Rupiah 14.228.493 12.700.666 Total Rupiah Mata Uang Asing Foreign Currencies Pihak ketiga Third parties Revolving loans 1.594.278 1.471.681 Revolving loans Fixed loans 1.323.908 1.258.923 Fixed loans Trust receipts 3.410 - Trust receipts Jumlah Mata Uang Asing 2.921.596 2.730.604 Total Foreign Currencies Jumlah Kredit 17.150.089 15.431.270 Total Loans Cadangan kerugian penurunan nilai 132.027 78.796 Allowance for impairment losses Jumlah Kredit - Neto 17.018.062 15.352.474 Total Loans - Net PT BANK ARTHA GRAHA INTERNASIONAL Tbk CATATAN ATAS LAPORAN KEUANGAN Tanggal 31 Desember 2014 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, 2014 and For The Year Then Ended Expressed in millions of Rupiah, unless otherwise stated 70 12. KREDIT YANG DIBERIKAN lanjutan 12. LOANS continued

a. Berdasarkan jenis, mata uang dan pihak lanjutan

a. By type, currency and party continued

Tingkat bunga rata-rata per tahun adalah sebagai berikut: Average interest rates per annum are as follows: 2014 2013 Rupiah Rupiah Kredit tanpa agunan 27,59 18,23 Unsecured loans Kredit wirausaha 23,83 23,74 Entrepreneur loans Pinjaman rekening koran 15,63 13,62 Overdraft Fixed loans 14,70 12,80 Fixed loans Revolving loans 14,18 12,94 Revolving loans Kredit pemilikan kios 14,14 13,52 Kiosk loans Kredit sindikasi 12,94 11,06 Syndicated loans Kredit pemilikan mobil 12,60 12,57 Car loans Kredit pemilikan rumah 12,39 11,78 Housing loans Pinjaman karyawan 9,08 9,36 Employee loans Trust receipts - 13,00 Trust receipts Mata Uang Asing Foreign Currencies Trust receipts 8,00 - Trust receipts Fixed loans 6,55 7,42 Fixed loans Revolving loans 5,91 6,00 Revolving loans b. Berdasarkan sektor ekonomi b. By economic sector 2014 2013 Rupiah Rupiah Pihak berelasi Related parties Konstruksi 49.967 24.546 Construction Perdagangan 28.083 58.706 Trading Restoran dan hotel 8.842 - Restaurant and hotel Jasa 2.900 - Service Pihak ketiga Third parties Jasa 4.351.176 3.705.021 Service Pertanian dan pertambangan 2.599.904 1.941.907 Agribusiness and mining Perdagangan 1.559.992 1.390.921 Trading Konstruksi 1.304.640 1.339.947 Construction Industri 1.246.968 1.175.913 Industry Restoran dan hotel 1.002.689 930.841 Restaurant and hotel Transportasi dan komunikasi 615.932 667.566 Transportation and communication Lain-lain 1.457.400 1.465.298 Others Jumlah Rupiah 14.228.493 12.700.666 Total Rupiah Mata Uang Asing Foreign Currencies Pihak ketiga Third parties Pertanian dan pertambangan 976.688 670.362 Agribusiness and mining Transportasi dan komunikasi 548.368 616.637 Transportation and communication Industri 490.869 744.104 Industry Jasa 290.691 403.718 Service Perdagangan 231.229 97.874 Trading Konstruksi 199.120 - Construction Restoran dan hotel 2.111 - Restaurant and hotel Lain-lain 182.520 197.909 Others Jumlah Mata Uang Asing 2.921.596 2.730.604 Total Foreign Currencies Jumlah Kredit 17.150.089 15.431.270 Total Loans Cadangan kerugian penurunan nilai 132.027 78.796 Allowance for impairment losses Jumlah Kredit - Neto 17.018.062 15.352.474 Total Loans - Net