SECURITIES continued Segment reporting continued

LAPORAN TAHUNAN 2013 BANK BRI AGRO 278 The original financial statements included herein are in the 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 68

9. KREDIT YANG DIBERIKAN lanjutan

9. LOANS continued

b Berdasarkan sektor ekonomi lanjutan b By economic sector continued 31 Desember 31 Desember December 31, 2013 December 31, 2012 Pihak berelasi Catatan 32 Related parties Note 32 Rupiah Rupiah Pertanian 150.876.087 139.050.447 Agriculture Jasa dunia usaha 38.596.699 25.000.000 Business services Perindustrian - 50.000.000 Manufacturing Perdagangan - 45.809.244 Trading 189.472.786 259.859.691 Total 3.698.592.953 2.531.073.097 Total Cadangan kerugian penurunan nilai 99.337.241 93.295.384 Allowance for impairment losses Neto 3.599.255.712 2.437.777.713 Net c Berdasarkan sisa umur jatuh tempo c By remaining period to maturity Klasifikasi jangka waktu kredit yang diberikan berdasarkan sisa umur sampai dengan jatuh temponya adalah sebagai berikut: The classification of loans based on the remaining period to maturity is as follows: 31 Desember 31 Desember December 31, 2013 December 31, 2012 Pihak ketiga Third parties Rupiah Rupiah ≤ 1 bulan 56.147.615 90.542.572 ≤ 1 month 1 bulan - 3 bulan 147.366.448 74.184.038 1 month - 3 months 3 bulan - 1 tahun 958.392.400 460.164.111 3 months - 1 year 1 tahun - 2 tahun 330.388.230 208.221.671 1 year - 2 years 2 tahun - 5 tahun 1.343.909.655 1.028.257.437 2 years - 5 years 5 tahun 531.517.840 326.057.633 5 years 3.367.722.188 2.187.427.462 Mata uang asing Foreign currency 3 bulan - 1 tahun 16.114.798 17.287.194 3 months - 1 year 1 tahun - 2 tahun 73.175.275 - 1 year - 2 years 2 tahun - 5 tahun 52.107.906 66.498.750 2 years - 5 years 141.397.979 83.785.944 3.509.120.167 2.271.213.406 Pihak berelasi Catatan 32 Related parties Note 32 Rupiah Rupiah 3 bulan - 1 tahun 100.295.970 145.809.244 3 months - 1 year 1 tahun - 2 tahun 2.775.837 31.667.300 1 year - 2 years 2 tahun - 5 tahun 58.920.870 53.308.810 2 years - 5 years 5 tahun 27.480.109 29.074.337 5 years 189.472.786 259.859.691 Total 3.698.592.953 2.531.073.097 Total Cadangan kerugian penurunan nilai 99.337.241 93.295.384 Allowance for impairment losses Neto 3.599.255.712 2.437.777.713 Net 279 LAPORAN TAHUNAN 2013 BANK BRI AGRO ≤ ≤ The original financial statements included herein are in the 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 69

9. KREDIT YANG DIBERIKAN lanjutan

9. LOANS continued

d Berdasarkan kolektibilitas d By collectibility 31 Desember 31 Desember December 31, 2013 December 31, 2012 Individual Individual Lancar 59.227.586 29.074.337 Current Dalam perhatian khusus 24.050.990 22.837.132 Special mention Kurang lancar - 47.196.915 Substandard Macet 21.110.924 8.082.726 Loss Kolektif Collective Lancar 3.507.739.168 2.327.336.548 Current Dalam perhatian khusus 26.131.144 59.218.216 Special mention Kurang lancar 5.481.409 1.974.234 Substandard Diragukan 8.327.809 3.203.170 Doubtful Macet 46.523.923 32.149.819 Loss Total 3.698.592.953 2.531.073.097 Total Cadangan kerugian penurunan nilai Allowance for impairment losses Individual 40.048.672 28.755.009 Individual Kolektif 59.288.569 64.540.375 Collective Neto 3.599.255.712 2.437.777.713 Net e Berdasarkan segmen operasi e By operating segment 31 Desember 31 Desember December 31, 2013 December 31, 2012 Pihak ketiga Third parties Rupiah Rupiah Menengah 2.178.261.734 1.221.403.346 Middle Kemitraan 790.213.193 571.626.484 Linkage Ritel 399.247.261 394.397.632 Retail 3.367.722.188 2.187.427.462 Mata uang asing Foreign currency Menengah 141.397.979 83.785.944 Middle 3.509.120.167 2.271.213.406 Pihak berelasi Catatan 32 Related parties Note 32 Rupiah Rupiah Menengah 188.521.804 259.859.691 Middle Ritel 950.982 - Retail 189.472.786 259.859.691 Total 3.698.592.953 2.531.073.097 Total Cadangan kerugian penurunan nilai 99.337.241 93.295.384 Allowance for impairment losses Neto 3.599.255.712 2.437.777.713 Net f Informasi penting lainnya f Other significant information 1 Tingkat suku bunga rata-rata per tahun untuk kredit yang diberikan: 1 The annual average interest rates for loans: 2013 2012 Rupiah Rupiah Bunga kontrak 13,32 14,62 Contractual rate Bunga efektif 13,73 15,03 Effective rate