POSISI DEVISA NETO lanjutan NET OPEN POSITION continued

PT BANK ARTHA GRAHA INTERNASIONAL Tbk CATATAN ATAS LAPORAN KEUANGAN Tahun yang Berakhir pada Tanggal 31 Desember 2011 degan Angka Perbandingan untuk 2010 Dinyatakan dalam Rupiah, kecuali dinyatakan lain Indonesian language. PT BANK ARTHA GRAHA INTERNASIONAL Tbk NOTES TO THE FINANCIAL STATEMENTS Year Ended December 31, 2011 With Comparative Figures for 2010 Expressed in Rupiah, unless otherwise stated 115 46. MANAJEMEN RISIKO lanjutan 46. RISK MANAGEMENT continued b. Risiko Kredit lanjutan b. Credit Risks continued iii Eksposur maksimum risiko kredit tanpa memperhitungkan agunan dan pendukung kredit lainnya lanjutan iii Maximum exposure to credit risk before collateral held or other credit enhancements continued Konsentrasi risiko aset keuangan dengan eksposur risiko kredit lanjutan Concentration of risks of financial assets with credit risk exposure continued a Sektor geografis lanjutan a Geographical sector continued 31 Desember 2011 December 31, 2011 DKI Luar DKI Jakarta Jakarta Special District Outside Jumlah of Jakarta DKI Jakarta Total ASET ASSETS Current accounts Giro pada Bank Indonesia 1.318.786.907.840 - 1.318.786.907.840 with Bank Indonesia Current accounts with Giro pada Bank lain 276.872.410.339 25.027.090 276.897.437.429 other banks Penempatan pada Placement with Bank Indonesia dan Bank Indonesia and bank lainnya 2.051.447.914.746 517.958 2.051.448.432.704 other banks Surat berharga 1.695.401.893.784 - 1.695.401.893.784 Securities Kredit 11.816.259.241.864 1.583.186.099.623 13.399.445.341.487 Loans Aset lainnya 182.522.827.611 10.059.609.517 192.582.437.128 Other assets Jumlah aset 17.341.291.196.184 1.593.271.254.188 18.934.562.450.372 Total assets 31 Desember 2010 December 31, 2010 DKI Luar DKI Jakarta Jakarta Special District Outside Jumlah of Jakarta DKI Jakarta Total ASET ASSETS Current accounts Giro pada Bank Indonesia 989.938.155.500 - 989.938.155.500 with Bank Indonesia Current accounts with Giro pada Bank lain 373.335.314.322 24.486.105 373.359.800.427 other banks Penempatan pada Placement with Bank Indonesia dan Bank Indonesia and bank lainnya 2.024.431.564.115 2.100.177.802 2.026.531.741.917 other banks Surat berharga 1.852.631.741.718 - 1.852.631.741.718 Securities Kredit 10.225.385.696.152 953.465.532.496 11.178.851.228.648 Loans Aset lainnya 202.853.240.739 6.370.452.790 209.223.693.529 Other assets Jumlah aset 15.668.575.712.546 961.960.649.193 16.630.536.361.739 Total assets Eksposur risiko kredit atas rekening administratif adalah sebagai berikut: Credit risk exposure relating to off-statement of financial position items are as follows: 31 Desember 2011 December 31, 2011 DKI Luar DKI Jakarta Jakarta Special District Outside Jumlah of Jakarta DKI Jakarta Total Garansi yang diterbitkan 251.230.854.887 28.701.426.045 279.932.280.932 Guarantee issued PT BANK ARTHA GRAHA INTERNASIONAL Tbk CATATAN ATAS LAPORAN KEUANGAN Tahun yang Berakhir pada Tanggal 31 Desember 2011 degan Angka Perbandingan untuk 2010 Dinyatakan dalam Rupiah, kecuali dinyatakan lain Indonesian language. PT BANK ARTHA GRAHA INTERNASIONAL Tbk NOTES TO THE FINANCIAL STATEMENTS Year Ended December 31, 2011 With Comparative Figures for 2010 Expressed in Rupiah, unless otherwise stated 116 46. MANAJEMEN RISIKO lanjutan 46. RISK MANAGEMENT continued b. Risiko Kredit lanjutan b. Credit Risks continued iii Eksposur maksimum risiko kredit tanpa memperhitungkan agunan dan pendukung kredit lainnya lanjutan iii Maximum exposure to credit risk before collateral held or other credit enhancements continued Eksposur risiko kredit atas rekening administratif adalah sebagai berikut: lanjutan Credit risk exposure relating to off-statement of financial position items are as follows: continued a Sektor geografis lanjutan a Geographical sector continued 31 Desember 2010 December 31, 2010 DKI Luar DKI Jakarta Jakarta Special District Outside Jumlah of Jakarta DKI Jakarta Total Garansi yang diterbitkan 310.245.390.603 20.509.541.051 330.754.931.654 Guarantee issued b Sektor Industri b Industry sector Tabel berikut menggambarkan rincian eksposur maksimum kredit Bank pada nilai tercatat tanpa memperhitungkan agunan atau pendukung kredit lainnya, yang dikategorikan berdasarkan sektor industri pada tanggal 31 Desember 2011 dan 2010. The following table breaks down Bank‟s maximum credit exposure at their carrying amounts without taking into account any collateral held or other credit support, as categorised by industry sectors as at December 31, 2011 and 2010. dalam jutaan Rupiah 31 Desember 2011December 31, 2011 in millions of Rupiah Pemerintah Government BankBank Lembaga Keuangan Bukan Bank Financial Institution Non Banks Industri Pengolahan Manufacturing Jasa-jasa Dunia Usaha Trade Services Perusahaan Lainnya dan Perseorangan Other Companies and Individual Jumlah Total Giro pada Bank Indonesia 1.318.787 - - - - - 1.318.787 Current accounts With Bank Indonesia Giro pada bank lain - 276.897 - - - - 276.897 Current accounts With Other banks Penempatan pada Placement with Bank Indonesia Bank Indonesia dan bank lain 2.029.746 21.702 - - - - 2.051.448 and other banks Surat berharga 1.650.402 45.000 1.695.402 Securities Kredit 12.287 22 2.136.315 2.978.096 8.272.725 13.399.445 Loans Pendapatan bunga masih harus Accrued interest diterima - 123 - 19.010 34.460 44.589 98.182 receivables Tagihan akseptasi 85.716 485 6.232 92.433 Acceptances receivable Tagihan derivatif - 1.968 - - - - 1.968 Derivative receivable Jumlah 5.011.222 300.690 22 2.241.041 3.013.041 8.368.546 18.934.562 Total