Tingkat suku bunga rata-rata per tahun Average annual interest rate

PT BANK HIMPUNAN SAUDARA 1906 TBK CATATAN ATAS LAPORAN KEUANGAN 30 JUNI 2014, 31 DESEMBER 2013, 2012 DAN 2011 Dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE FINANCIAL STATEMENTS 30 JUNE 2014, 31 DECEMBER 2013, 2012 AND 2011 Expressed in million Rupiah, unless otherwise stated Lampiran – 548– Schedule 10. PINJAMAN YANG DIBERIKAN lanjutan

10. LOANS continued a. Berdasarkan jenis, mata uang dan kualitas

kredit lanjutan a. By type, currency and loan quality continued 2012 lanjutancontinued Tidak mengalami Mengalami penurunan penurunan nilai nilai Jumlah Unimpaired Impaired Total Pihak ketiga lanjutan Third parties continued Dolar Amerika Serikat United States Dollar Kredit modal kerja 72,327 246 72,573 Working capital loans Kredit investasi 1,555 - 1,555 Investment loans Sub jumlah 73,882 246 74,128 Sub total 5,151,590 109,254 5,260,844 Dikurangi: Cadangan Less: Allowance for kerugian penurunan nilai impairment losses Kredit konsumsi 8,501 16,830 25,331 Consumer loans Kredit modal kerja 9,942 9,819 19,761 Working capital loans Kredit investasi 2,970 8,805 11,775 Investment loans Sub jumlah 21,413 35,454 56,867 Sub total Jumlah 5,130,177 73,800 5,203,977 Total 2011 Tidak mengalami Mengalami penurunan penurunan nilai nilai Jumlah Unimpaired Impaired Total Pihak berelasi Related parties Rupiah Rupiah Kredit konsumsi 67,440 - 67,440 Consumer loans Kredit modal kerja 38,567 - 38,567 Working capital loans Kredit investasi 695 - 695 Investment loans Sub jumlah 106,702 - 106,702 Sub total Pihak ketiga Third parties Rupiah Rupiah Kredit konsumsi 2,585,902 33,194 2,619,096 Consumer loans Kredit modal kerja 461,151 14,418 475,569 Working capital loans Kredit investasi 61,906 8,703 70,609 Investment loans Sub jumlah 3,108,959 56,315 3,165,274 Sub total Dolar Amerika Serikat United States Dollar Kredit modal kerja 66,358 - 66,358 Working capital loans Kredit investasi 3,442 - 3,442 Investment loans Sub jumlah 69,800 - 69,800 Sub total 3,285,461 56,315 3,341,776 Dikurangi: Cadangan kerugian penurunan Less: Allowance for nilai 10,710 19,145 29,855 impairment losses Jumlah 3,274,751 37,170 3,311,921 Total Rasio kredit yang mengalami penurunan nilai bruto dan neto pada tanggal 30 Juni 2014 masing-masing adalah 2,76 dan 2,03 2013: 2,70 dan 1,84, 2012: 2,08 dan 1,40 dan 2011: 1,69 dan 1,11. Gross and net impaired loan ratio as at 30 June 2014 are 2.76 and 2,03, respectively 2013: 2.70 and 1.84, 2012: 2.08 and 1.40 and 2011: 1.69 and 1.11. PT BANK HIMPUNAN SAUDARA 1906 TBK CATATAN ATAS LAPORAN KEUANGAN 30 JUNI 2014, 31 DESEMBER 2013, 2012 DAN 2011 Dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE FINANCIAL STATEMENTS 30 JUNE 2014, 31 DECEMBER 2013, 2012 AND 2011 Expressed in million Rupiah, unless otherwise stated Lampiran – 549– Schedule 10. PINJAMAN YANG DIBERIKAN lanjutan

10. LOANS continued a. Berdasarkan jenis, mata uang dan kualitas

kredit lanjutan a. By type, currency and loan quality continued Kualitas pinjaman yang diberikan berdasarkan kolektibilitas sesuai ketentuan Bank Indonesia. Loans quality based on collectibility according to Bank Indonesia regulation. 30 JuniJune 2014 Dalam perhatian Kurang khusus lancar Lancar Special Sub- Diragukan Macet Jumlah Current mention Standard Doubtful Loss Total Pihak berelasi Related parties Rupiah Rupiah Kredit konsumsi 11,054 - - - - 11,054 Consumer loans Kredit modal kerja 1,535 - - - - 1,535 Working capital loans Kredit investasi 163 - - - - 163 Investment loans Sub jumlah 12,752 - - - - 12,752 Sub total Pihak ketiga Third parties Rupiah Rupiah Kredit konsumsi 4,782,904 93,310 12,942 12,967 57,679 4,959,802 Consumer loans Kredit modal kerja 1,109,987 46,263 2,713 1,766 72,861 1,233,590 Working capital loans Kredit investasi 112,168 28,396 341 274 14,721 155,900 Investment loans Sub jumlah 6,005,059 167,969 15,996 15,007 145,261 6,349,292 Sub total Dolar Amerika Serikat United States Dollar Kredit modal kerja 10,633 - - - - 10,633 Working capital loans Kredit investasi 11,274 - - - - 11,274 Investment loans Sub jumlah 21,907 - - - - 21,907 Sub total 6,039,718 167,969 15,996 15,007 145,261 6,383,951 Dikurangi : Cadangan kerugian penurunan Less : Allowance for nilai impairment losses Kredit konsumsi 9,279 4,777 1,092 2,255 14,513 31,916 Consumer loans Kredit modal kerja 6,350 3,001 1,146 995 27,416 38,908 Working capital loans Kredit investasi 2,643 820 12 20 751 4,246 Investment loans Sub jumlah 18,272 8,598 2,250 3,270 42,680 75,070 Sub total Jumlah 6,021,446 159,371 13,746 11,737 102,581 6,308,881 Total