By purpose, type and currency

CATATAN ATAS LAPORAN KEUANGAN Tahun yang Berakhir pada Tanggal-tanggal 31 Desember 2012 dan 2011 serta Enam Bulan yang Berakhir pada Tanggal 30 Juni 2012 Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain PT BANK ARTHA GRAHA INTERNASIONAL Tbk NOTES TO THE FINANCIAL STATEMENTS Years Ended December 31, 2012 and 2011 and Six Months Ended June 30, 2012 Expressed in million Rupiah, unless otherwise stated 69 11. BIAYA DIBAYAR DIMUKA 11. PREPAID EXPENSES Akun ini terdiri dari: This account consist of: 31 Desember 2012 30 Juni 2012 31 Desember 2011 December 31, 2012 June 30, 2012 December 31, 2011 Sewa dibayar dimuka 32.198 31.801 18.604 Prepaid rent Renovasi gedung kantor 4.970 5.233 3.479 Office buildings renovation Karyawan 1.002 3.426 1.539 Employees Taksiran tagihan pajak penghasilan 27.656 3.170 3.170 Estimated Income Taxes Receivable Pemasaran 606 796 1.188 Marketing Lain-lain 26 26 32 Others Jumlah 66.458 44.452 28.012 Total 12. KREDIT YANG DIBERIKAN 12. LOANS a. Berdasarkan jenis, mata uang dan hubungan a. By Type, currency dan relation 31 Desember 2012 30 Juni 2012 31 Desember 2011 December 31, 2012 June 30, 2012 December 31, 2011 Rupiah Rupiah Pihak berelasi Related Parties Revolving loan 39.983 44.946 45.000 Revolving loan Pihak ketiga Third Parties Revolving loan 6.322.901 6.257.908 5.223.069 Revolving loans Fixed loan 5.291.676 4.647.464 4.633.436 Fixed loans Kredit pemilikan rumah 722.983 586.120 492.778 Housing loans Pinjaman rekening Koran 395.309 342.130 355.443 Overdraft Trust receipt 139.262 133.676 111.402 Trust receipts Kredit pemilikan mobil 137.673 102.862 88.538 Car loans Pinjaman karyawan 31.789 36.037 29.778 Employee loans Kredit wirausaha 2.454 23.002 24.068 Entrepreneurs loans Kredit pemilikan kios 22.733 18.286 8.548 Kiosk loans Kredit tanpa agunan 3.078 3.294 - Unsecured loans Kredit mahasiswa 81 119 3.837 Students loans Jumlah Rupiah 13.109.922 12.195.844 11.015.897 Total in Rupiah Mata Uang Asing Foreign currency Pihak berelasi Related Parties Revolving loan - 469.625 452.996 Revolving loan Pihak ketiga Third Parties Fixed loan 819.775 1.125.151 1.146.128 Fixed loan Revolving loan 1.257.728 750.050 759.819 Revolving loan Trust receipt 24.710 34.690 24.607 Trust Receipt Jumlah Mata Uang Asing 2.102.213 2.379.516 2.383.550 Total in Foreign Currency Jumlah 15.212.135 14.575.360 13.399.447 Total Penyisihan kerugian penurunan nilai 10.201 261.743 288.126 Allowance for impairment losses Jumlah Kredit - Bersih 15.201.934 14.313.617 13.111.321 Total Loans - Net CATATAN ATAS LAPORAN KEUANGAN Tahun yang Berakhir pada Tanggal-tanggal 31 Desember 2012 dan 2011 serta Enam Bulan yang Berakhir pada Tanggal 30 Juni 2012 Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain PT BANK ARTHA GRAHA INTERNASIONAL Tbk NOTES TO THE FINANCIAL STATEMENTS Years Ended December 31, 2012 and 2011 and Six Months Ended June 30, 2012 Expressed in million Rupiah, unless otherwise stated 70 12. KREDIT YANG DIBERIKAN lanjutan 12. LOANS continued

a. Berdasarkan jenis, mata uang dan hubungan lanjutan

a. By Type, currency dan relation continued

Tingkat bunga rata-rata per tahun adalah sebagai berikut: Average interest rate per year as follows: 31 Desember 2012 30 Juni 2012 31 Desember 2011 December 31, 2012 June 30, 2012 December 31, 2011 Tingkat bunga rata-rata per tahun: Average interest rate per annum: Rupiah Rupiah Kredit wirausaha 23,78 24,19 24,17 Entrepreneur loans Kredit tanpa agunan 18,21 18,27 - Unsecured loans Kredit mahasiswa 17,54 17,63 14,13 Students loas Kredit pemilikan kios 13,65 14,38 15,36 Kiosk loans Trust receipt 13,06 14,00 14,00 Trust receipt Kredit pemilikan mobil 13,21 13,62 13,91 Car loans Pinjaman rekening koran 12,76 13,60 14,17 Overdraft Kredit pemilikan rumah 11,88 13,16 13,77 Housing loans Fixed loan 12,63 13,12 13,44 Fixed loans Revolving loan 11,86 12,84 13,16 Revolving loans Pinjaman karyawan 9,93 10,25 10,25 Employee loans Mata Uang Asing Foreign Currency Fixed loan 6,49 7,24 7,29 Fixed loans Revolving loan 5,54 6,02 6,07 Revolving loans Trust receipt 6,41 4,87 5,72 Trust receipt b. Berdasarkan sektor ekonomi b. By Economic Sector 31 Desember 2012 30 Juni 2012 31 Desember 2011 December 31, 2012 June 30, 2012 December 31, 2011 Rupiah Rupiah Pihak berelasi Related Parties Perdagangan 29.983 29.946 30.000 Trading Jasa - 15.000 15.000 Service Konstruksi 10.000 - - Construction Pihak ketiga Third Parties Jasa 3.306.962 3.219.545 3.456.103 Service Pertanian dan pertambangan 1.967.396 2.085.701 1.866.223 Agribusiness and Mining Konstruksi 1.962.772 2.100.956 1.689.712 Construction Industri 1.542.501 1.370.049 1.049.537 Industry Perdagangan 1.418.251 1.204.036 1.095.740 Trading Transportasi dan komunikasi 620.135 584.073 588.254 Transportation and communication Restoran dan hotel 1.095.307 703.985 554.084 Restaurant and hotel Lain-lain 1.156.615 882.553 671.244 Others Jumlah Rupiah 13.109.922 12.195.844 11.015.897 Total in Rupiah Mata Uang Asing Foreign Currency Pihak berelasi Related Parties Jasa - 469.625 452.996 Service