PINJAMAN QARDH lanjutan FUNDS OF QARDH continued

Indonesian language. PT BANK BRISyariah CATATAN ATAS LAPORAN KEUANGAN Tahun yang Berakhir pada tanggal-tanggal 31 Desember 2012 dan 2011 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain PT BANK BRISyariah NOTES TO THE FINANCIAL STATEMENTS Years Ended December 31, 2012 and 2011 Expressed in millions of Rupiah, unless otherwise stated 67 25. PENDAPATAN DARI JUAL BELI 25. INCOME FROM SALES AND PURCHASES Pendapatan dari jual beli terdiri dari: Income from sales and purchases consists of: 2012 2011 Murabahah 887.848 612.949 Murabahah Istishna 3.090 5.283 Istishna Jumlah 890.938 618.232 Total 26. PENDAPATAN BAGI HASIL 26. INCOME FROM PROFIT SHARING Pendapatan bagi hasil terdiri dari: Income from profit sharing consists of: 2012 2011 Musyarakah 148.910 105.644 Musyarakah Mudharabah 93.036 65.174 Mudharabah Jumlah 241.946 170.818 Total 27. PENDAPATAN DARI IJARAH - NETO 27. INCOME FROM IJARAH - NET Pendapatan dari ijarah - neto terdiri dari: Income from ijarah - net consists of: 2012 2011 Ujrah rahn dan Kepemilikan Ujrah of rahn and Logam Mulia KLM 35.938 9.512 Gold Financing KLM Ijarah muntahiyah bittamlik 32.319 6.051 Ijarah muntahiyah bittamlik Ijarah multijasa 26 17 Ijarah multi-services Jumlah 68.283 15.580 Total Beban penyusutan aset yang diperoleh Depreciation expense of assets untuk ijarah Catatan 11 21.076 4.491 acquired for ijarah Note 11 Neto 47.207 11.089 Net 28. PENDAPATAN USAHA UTAMA LAINNYA 28. OTHER MAIN OPERATING INCOME Pendapatan usaha utama lainnya terdiri dari: Other main operating income consists of: 2012 2011 Qardh 104.905 181.588 Qardh Bonus Sertifikat Bank Bonus from Bank Indonesia Indonesia Syariah SBIS dan Sharia Certificates SBIS and Fasilitas Simpanan Bank Indonesia Bank Indonesia Sharia Deposit Syariah FASBIS 29.999 35.936 Facilities FASBIS Bagi hasil investasi Profit sharing from investments pada surat berharga 23.286 28.141 in marketable securities Bagi hasil penempatan Profit sharing from placements pada bank lain 120 258 with other bank Jumlah 158.310 245.923 Total Indonesian language. PT BANK BRISyariah CATATAN ATAS LAPORAN KEUANGAN Tahun yang Berakhir pada tanggal-tanggal 31 Desember 2012 dan 2011 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain PT BANK BRISyariah NOTES TO THE FINANCIAL STATEMENTS Years Ended December 31, 2012 and 2011 Expressed in millions of Rupiah, unless otherwise stated 68 29. HAK PIHAK KETIGA ATAS BAGI HASIL 29. THIRD PARTIES’ SHARE ON RETURN Hak pihak ketiga atas bagi hasil terdiri atas: Third parties’ share on return consist of: 2012 2011 Deposito mudharabah 510.974 455.323 Mudharabah time deposits Sertifikat Investasi Mudharabah Interbank Mudharabah Investment Antarbank SIMA 13.381 4.763 Certificate SIMA Tabungan mudharabah 2.850 1.819 Mudharabah savings deposits Pinjaman mudharabah 390 - Mudharabah borrowing Jumlah 527.595 461.905 Total 30. PENDAPATAN USAHA LAINNYA 30. OTHER OPERATING INCOME Pendapatan usaha lainnya terdiri dari: Other operating income consists of: 2012 2011 Pendapatan imbalan jasa perbankan 146.887 90.226 Fee based income from banking services Lain-lain 22.184 5.482 Others Jumlah 169.071 95.708 Total Pendapatan imbalan jasa perbankan terdiri dari pendapatan jasa dari qardh talangan haji, biaya administrasi piutang dan pembiayaan, pendapatan administrasi deposito, jasa pembayaran pada pihak ketiga dan jasa bank lainnya. Fee based income from banking services consist of services fee from hajj bailout of qardh, receivables and financing administration fees, time deposits administration fees, services fees to third parties and other banking services fees. Lain-lain terdiri dari pendapatan jasa agen investasi terikat, pendapatan administrasi rekening, pendapatan administrasi cek, pendapatan komisi asuransi dan lainnya. Others consist of restricted investment agent service fees, account administration fees, income cheque administration fees, commissions and insurance fees and others.

31. BEBAN CADANGAN PENYISIHAN KERUGIAN ASET PRODUKTIF DAN NON-PRODUKTIF -

NETO 31. PROVISION FOR ALLOWANCE FOR POSSIBLE LOSSES ON EARNING AND NON-EARNING ASSETS - NET Beban cadangan penyisihan kerugian aset produktif dan non-produktif - neto terdiri dari: Provision for allowance for possible losses on earning and non-earning assets - net, consist of: 2012 2011 Piutang, pinjaman qardh dan pembiayaan 75.425 18.741 Receivables, funds of qardh and financing Aset non-produktif 31.489 1.163 Non-earning assets Aset produktif selain piutang, pinjaman Earning assets other than receivables, qardh dan pembiayaan 140 118 funds of qardh and financing Jumlah 106.774 17.696 Total