Pinjaman Non-performing loans and allowance for Tingkat suku bunga per tahun Annual interest rates Pinjaman yang direstrukturisasi Restructured loans

BNI Laporan Tahunan 2014 DAN ENTITAS ANAKAND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2014 DAN 2013 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2014 AND 2013 Expressed in millions of Rupiah, unless otherwise stated 12. PINJAMAN YANG DIBERIKAN lanjutan 12. LOANS continued

e. Pinjaman

bermasalah dan cadangan kerugian penurunan nilai berdasarkan sektor ekonomi lanjutan

e. Non-performing loans and allowance for

impairment losses by economic sector continued Rasio kredit bermasalah BNI dan Entitas Anak secara gross sebelum dikurangi cadangan kerugian penurunan nilai pada tanggal 31 Desember 2014 dan 2013 masing-masing sebesar 1,96 dan 2,16 rasio untuk BNI saja 1,96 dan 2,17 masing-masing pada tanggal tanggal 31 Desember 2014 dan 2013, sedangkan rasio kredit bermasalah BNI dan Entitas Anak secara neto pada tanggal 31 Desember 2014 dan 2013 masing-masing sebesar 0,43 dan 0,56 rasio untuk BNI saja 0,39 dan 0,55 masing-masing pada tanggal 31 Desember 2014 dan 2013. The non-performing loans ratio of BNI and Subsidiaries on a gross basis, before deducting the allowance for impairment losses, as of 31 December 2014 and 2013, were 1.96 and 2.16, respectively the ratios for BNI only were 1.96 and 2.17 as of 31 December 2014 and 2013, respectively, while the non-performing loans ratio of BNI and Subsidiaries on a net basis as of 31 December 2014 and 2013, were 0.43 and 0.56, respectively the ratios for BNI only were 0.39 and 0.55 as of 31 December 2014 and 2013, respectively.

f. Tingkat suku bunga per tahun

f. Annual interest rates

Dolar Amerika Serikat United States Dolar Singapura Rupiah Dollar Euro Singapore Dollar Bunga kontrak Contractual rates 2014 5.00 - 22.00 6.00 - 9.75 LIBOR+1.80 6.50 - 8.00 2014 2013 4.00 - 36.78 1.19 - 9.75 LIBOR+1.80 6.50 - 7.50 2013 Bunga efektif Effective interest rate 2014 5.52 - 34.56 6.72 - 8.28 LIBOR+1.80 6.48 - 7.20 2014 2013 6.66 - 47.18 0.81 - 13.48 LIBOR+1.80 6.58 - 7.61 2013

g. Pinjaman yang direstrukturisasi

g. Restructured loans

Berikut ini adalah jenis dan jumlah kredit yang telah direstrukturisasi per 31 Desember 2014 dan 2013: Below is the type and amount of restructured loans as of 31 December 2014 and 2013: 2014 2013 Perpanjangan jangka waktu kredit 933,468 1,105,771 Extension of loan maturity dates Perpanjangan jangka waktu dan penurunan suku bunga Extension of loan maturity dates and kredit 497,107 443,410 reduction of interest rates Perpanjangan jangka waktu kredit, penurunan suku Extension of loan maturity dates, bunga kredit, dan program reduction of interest rates and restrukturisasi lain-lain 4,932,955 5,349,998 other restructuring programs Total 6,363,530 6,899,179 Total Cadangan kerugian Allowance for penurunan nilai 1,695,756 2,131,103 impairment losses Neto 4,667,774 4,768,076 Net Program restrukturisasi lain-lain terutama terdiri dari penambahan fasilitas kredit, Perjanjian Pengakuan Utang PPH dan Interest Balloon Payment IBP. Other restructuring amounts mainly involved additions of loan facilities, debt recognition agreements PPH and Interest Balloon Payments IBP. 431 BNI Laporan Tahunan 2014 DAN ENTITAS ANAKAND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2014 DAN 2013 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2014 AND 2013 Expressed in millions of Rupiah, unless otherwise stated 12. PINJAMAN YANG DIBERIKAN lanjutan 12. LOANS continued