NILAI WAJAR Segment reporting continued

343 LAPORAN TAHUNAN 2013 BANK BRI AGRO Indonesian language. PT BANK RAKYAT INDONESIA AGRONIAGA Tbk CATATAN ATAS LAPORAN KEUANGAN Tanggal 31 Desember 2013 dan untuk Tahun yang Berakhir pada Tanggal Tersebut Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain PT BANK RAKYAT INDONESIA AGRONIAGA Tbk NOTES TO THE FINANCIAL STATEMENTS As of December 31, 2013 and for the Year Then Ended Expressed in thousands of Rupiah, unless otherwise stated 133 36. INFORMASI SEGMEN lanjutan 36. SEGMENT INFORMATION continued Berikut ini adalah informasi segmen Bank berdasarkan segmen operasi lanjutan: Information concerning the operating segments of the Bank is as follows continued: 31 DesemberDecember 31, 2012 Kemitraan Ritel Menengah Lainnya Keterangan Linkage Retail Middle Others Total Description Pendapatan bunga - neto 79.286.910 38.774.616 66.879.309 1.996.197 182.944.638 Interest income - net Pendapatan operasi Other operating lainnya 953.749 621.100 2.624.222 43.214.645 47.413.716 income Total pendapatan 80.240.659 39.395.716 69.503.531 41.218.448 230.358.354 Total income Other operating Beban operasi lainnya 24.095.046 13.158.909 55.597.980 48.365.650 141.217.585 expenses Penyisihan pembalikan Provision reversal kerugian penurunan for impairment nilai 18.736.902 36.796.984 16.557.195 - 38.976.691 losses Total beban 42.831.948 49.955.893 39.040.785 48.365.650 180.194.276 Total expenses Pendapatan Non operating income Non-operasional - neto 192.919 125.633 530.813 457.611 1.306.976 - net Laba sebelum beban Income before income pajak penghasilan 37.601.630 10.434.544 30.993.559 6.689.591 51.471.054 tax expense Beban pajak Income tax penghasilan-neto 10.110.656 - 8.333.820 - 18.444.476 expense - net Laba tahun berjalan 27.490.974 10.434.544 22.659.739 6.689.591 33.026.578 lncome for the year Aset Segmen Segment of Assets Kredit 553.700.847 360.580.538 1.523.496.328 - 2.437.777.713 Loans Non kredit 42.653.575 27.776.820 117.360.421 1.414.571.706 1.602.362.522 Non loans 596.354.422 388.357.358 1.640.856.749 1.414.571.706 4.040.140.235 Liabilitas Segmen Segment of Liabilities Pendanaan 724.230.762 305.525.730 1.100.654.610 923.878.235 3.054.289.337 Funding Non pendanaan 11.484.561 7.478.965 207.819.617 387.143.199 613.926.342 Non funding 735.715.323 313.004.695 1.308.474.227 1.311.021.434 3.668.215.679

37. PERJANJIAN, KOMITMEN DAN KONTINJENSI SIGNIFIKAN

37. SIGNIFICANT AGREEMENTS, COMMITMENTS AND CONTINGENCIES

a. Perjanjian dengan PT Sigma Cipta Caraka

untuk jasa operasional data center a. Agreement with PT Sigma Cipta Caraka for data center operational services Pada tanggal 15 Januari 2010, Bank mengadakan perjanjian dengan PT Sigma Cipta Caraka sehubungan dengan jasa operasional data center untuk jangka waktu 5 lima tahun dengan nilai kontrak sebesar Rp9.280.140. On January 15, 2010, the Bank entered into an agreement with PT Sigma Cipta Caraka regarding the procurement of data center operational services for 5 five years with a contract value of Rp9,280,140.

b. Liabilitas kontinjensi

b. Contingent liabilities

Dalam melakukan usahanya, Bank menghadapi berbagai perkara hukum dan tuntutan dimana Bank sebagai tergugat, terutama sehubungan dengan kepatuhan dengan kontrak. Walaupun belum ada kepastian yang jelas, Bank berpendapat bahwa berdasarkan informasi yang ada dan keputusan terakhir dari perkara bahwa tuntutan hukum ini tidak akan berdampak secara material pada operasi, posisi keuangan atau tingkat likuiditas Bank. In the conduct of its business, the Bank is a defendant in various litigation proceedings and legal claims mainly with respect to matters of contractual compliance. Although there is no clear assurance yet, the Bank believes that based on information currently available, the ultimate resolution of these legal proceedings and legal claims will not likely to have a material effect on the operations, financial position or liquidity level of the Bank.