Berdasarkan jenis, mata uang dan kualitas pinjaman yang diberikan 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 – 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 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 – 550– 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. 2013 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 11,497 - - - - 11,497 Consumer loans Kredit modal kerja 21,506 - - - - 21,506 Working capital loans Kredit investasi 629 - - - - 629 Investment loans Sub jumlah 33,632 - - - - 33,632 Sub total Pihak ketiga Third parties Rupiah Rupiah Kredit konsumsi 4,489,031 73,623 9,069 10,469 44,314 4,626,506 Consumer loans Kredit modal kerja 1,230,442 23,619 28,008 1,937 51,505 1,335,511 Working capital loans Kredit investasi 150,566 5,755 1,098 1,686 15,832 174,937 Investment loans Sub jumlah 5,870,039 102,997 38,175 14,092 111,651 6,136,954 Sub total Dolar Amerika Serikat United States Dollar Kredit modal kerja 12,558 - - - - 12,558 Working capital loans Kredit investasi 16,237 - - - - 16,237 Investment loans Sub jumlah 28,795 - - - - 28,795 Sub total 5,932,466 102,997 38,175 14,092 111,651 6,199,381 Dikurangi : Cadangan kerugian penurunan Less : Allowance for nilai impairment losses Kredit konsumsi 6,184 2,931 2,093 2,346 14,683 28,237 Consumer loans Kredit modal kerja 6,213 1,409 16,448 534 17,947 42,551 Working capital loans Kredit investasi 2,767 183 79 217 4,459 7,705 Investment loans Sub jumlah 15,164 4,523 18,620 3,097 37,089 78,493 Sub total Jumlah 5,917,302 98,474 19,555 10,995 74,562 6,120,888 Total 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 – 551– 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. lanjutan Loans quality based on collectibility according to Bank Indonesia regulation. continued 2012 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 4,935 - - - - 4,935 Consumer loans Kredit modal kerja 28,049 - - - - 28,049 Working capital loans Kredit investasi 1,463 - - - - 1,463 Investment loans Sub jumlah 34,447 - - - - 34,447 Sub total Pihak ketiga Third parties Rupiah Rupiah Kredit konsumsi 3,689,472 41,952 6,040 8,984 38,259 3,784,707 Consumer loans Kredit modal kerja 1,135,330 22,741 2,929 3,164 23,810 1,187,974 Working capital loans Kredit investasi 155,209 3,340 4,955 1,939 14,145 179,588 Investment loans Sub jumlah 4,980,011 68,033 13,924 14,087 76,214 5,152,269 Sub total 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 72,327 1,555 - 246 - 74,128 Sub total 5,086,785 69,588 13,924 14,333 76,214 5,260,844 Dikurangi : Cadangan kerugian penurunan Less : Allowance for nilai impairment losses Kredit konsumsi 6,646 1,891 615 1,218 14,961 25,331 Consumer loans Kredit modal kerja 8,334 1,610 812 798 8,207 19,761 Working capital loans Kredit investasi 2,621 366 220 1,231 7,337 11,775 Investment loans Sub jumlah 17,601 3,867 1,647 3,247 30,505 56,867 Sub total Jumlah 5,069,184 65,721 12,277 11,086 45,709 5,203,977 Total 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 – 552– 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. lanjutan Loans quality based on collectibility according to Bank Indonesia regulation. continued 2011 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 67,440 - - - - 67,440 Consumer loans Kredit modal kerja 32,691 5,876 - - - 38,567 Working capital loans Kredit investasi 695 - - - - 695 Investment loans Sub jumlah 100,826 5,876 - - - 106,702 Sub total Pihak ketiga Third parties Rupiah Rupiah Kredit konsumsi 2,549,226 37,711 3,900 4,895 23,364 2,619,096 Consumer loans Kredit modal kerja 449,027 12,264 437 3,608 10,233 475,569 Working capital loans Kredit investasi 49,903 12,003 935 395 7,373 70,609 Investment loans Sub jumlah 3,048,156 61,978 5,272 8,898 40,970 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 3,218,782 67,854 5,272 8,898 40,970 3,341,776 Dikurangi : Cadangan kerugian penurunan Less : Allowance for nilai 6,869 3,855 1,021 1,844 16,266 29,855 impairment losses Jumlah 3,211,913 63,999 4,251 7,054 24,704 3,311,921 Total Rasio kredit bermasalah “NPL” dihitung sesuai dengan pedoman perhitungan rasio keuangan sebagaimana tercantum dalam Surat Edaran Bank Indonesia No.330DPNP tanggal 14 Desember 2001 sebagaimana telah diubah dengan Surat Edaran Bank Indonesia No. 710DPNP tanggal 31 Maret 2005 yang kemudian diubah melalui Surat Edaran Bank Indonesia No.1211DPNP tanggal 31 Maret 2010. Pada tanggal 30 Juni 2014, NPL bruto dan neto Bank masing-masing adalah sebesar 2,76 dan 1,98 2013 : 2.64 dan 1.78, 2012: 1,99 dan 1,31, 2011: 1,65 dan 1,08 dan masih lebih rendah dari NPL bruto maksimum 5,00 yang disyaratkan oleh Bank Indonesia. Non performing loans “NPL” is determined based on financial ratio calculation guidance as stated in Circular Letter of Bank Indonesia No. 330DPNP dated 14 December 2001 as amended with the Circular Letter of Bank Indonesia No. 710DPNP dated 31 March 2005 then subsequently amended by Circular Letter of Bank Indonesia No.1211DPNP dated 31 March 2010. As at 30 June 2014, the percentage of the Bank’s gross and net NPL is 2.76 and 1.98 2013: 2.64 and 1.78, 2012: 1.99 and 1.31, 2011: 1.65 and 1.08, respectively, which is lower than maximum gross NPL of 5.00 as required by Bank Indonesia. 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 – 553– Schedule 10. PINJAMAN YANG DIBERIKAN lanjutan

10. LOANS continued b. Berdasarkan sektor ekonomi

b. By economic sector

Pinjaman yang diberikan berdasarkan sektor ekonomi dan pinjaman yang mengalami penurunan nilai dan tidak mengalami penurunan nilai. Loans based on economic sector and impaired and non-impaired loans. 30 JuniJune 2014 Tidak mengalami Mengalami penurunan penurunan nilai nilai Jumlah Unimpaired Impaired Total Rupiah Rupiah Konsumsi 4,887,267 83,588 4,970,855 Consumer Jasa dunia usaha 676,677 3,049 679,726 Business services Jasa pelayanan sosial 407,056 54,705 461,761 Social services Industri pengolahan 145,878 9,324 155,202 Processing industry Perdagangan, restoran dan hotel 42,068 17,210 59,278 Trading, restaurant and hotel Pertanian, perburuan Agriculture, hunting and dan sarana pertanian 15,043 7,495 22,538 agriculture improvements Konstruksi 8,345 385 8,730 Construction Pengangkutan, pergudangan Transportation, warehouse dan komunikasi 3,445 509 3,954 and communication Pertambangan - - - Mining Sub jumlah 6,185,779 176,265 6,362,044 Sub total Dolar Amerika Serikat United States Dollar Pertambangan 11,274 - 11,274 Mining Perdagangan, restoran dan hotel 10,633 - 10,633 Trading, restaurant and hotel Sub jumlah 21,907 - 21,907 Sub total 6,207,686 176,265 6,383,951 Dikurangi: Cadangan Less: Allowance for kerugian penurunan nilai impairment losses Kredit konsumsi 14,055 17,861 31,916 Consumer loans Kredit modal kerja 9,351 29,557 38,908 Working capital loans Kredit investasi 3,462 784 4,246 Investment loans Sub jumlah 26,868 48,202 75,070 Sub total Jumlah 6,180,818 128,063 6,308,881 Total 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 – 554– Schedule 10. PINJAMAN YANG DIBERIKAN lanjutan

10. LOANS continued b. Berdasarkan sektor ekonomi lanjutan

b. By economic sector continued

Pinjaman yang diberikan berdasarkan sektor ekonomi dan pinjaman yang mengalami penurunan nilai dan tidak mengalami penurunan nilai. Loans based on economic sector and impaired and non-impaired loans. 2013 Tidak mengalami Mengalami penurunan penurunan nilai nilai Jumlah Unimpaired Impaired Total Rupiah Rupiah Konsumsi 4,574,151 63,852 4,638,003 Consumer Jasa dunia usaha 743,669 4,317 747,986 Business services Jasa pelayanan sosial 419,497 56,563 476,060 Social services Industri pengolahan 160,017 7,295 167,312 Processing industry Perdagangan, restoran dan hotel 54,507 19,685 74,192 Trading, restaurant and hotel Pertanian, perburuan Agriculture, hunting and dan sarana pertanian 42,315 11,239 53,554 agriculture improvements Konstruksi 7,603 587 8,190 Construction Pengangkutan, pergudangan Transportation, warehouse dan komunikasi 4,909 380 5,289 and communication Pertambangan - - - Mining Sub jumlah 6,006,668 163,918 6,170,586 Sub total Dolar Amerika Serikat United States Dollar Pertambangan 17,371 - 17,371 Mining Perdagangan, restoran dan hotel 11,424 - 11,424 Trading, restaurant and hotel Sub jumlah 28,795 - 28,795 Sub total 6,035,463 163,918 6,199,381 Dikurangi: Cadangan Less: Allowance for kerugian penurunan nilai impairment losses Kredit konsumsi 9,115 19,122 28,237 Consumer loans Modal kerja 7,622 34,929 42,551 Working capital loans Investasi 2,950 4,755 7,705 Investment loans Sub jumlah 19,687 58,806 78,493 Sub total Jumlah 6,015,776 105,112 6,120,888 Total 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 – 555– Schedule 10. PINJAMAN YANG DIBERIKAN lanjutan

10. LOANS continued b. Berdasarkan sektor ekonomi lanjutan

b. By economic sector continued

Pinjaman yang diberikan berdasarkan sektor ekonomi dan pinjaman yang mengalami penurunan nilai dan tidak mengalami penurunan nilai lanjutan Loans based on economic sector and impaired and non-impaired loans continued 2012 Tidak mengalami Mengalami penurunan penurunan nilai nilai Jumlah Unimpaired Impaired Total Rupiah Rupiah Konsumsi 3,734,680 54,962 3,789,642 Consumer Jasa dunia usaha 730,177 4,255 734,432 Business services Jasa pelayanan sosial 319,809 12,124 331,933 Social services Industri pengolahan 157,239 8,476 165,715 Processing industry Perdagangan, restoran dan hotel 58,908 23,141 82,049 Trading, restaurant and hotel Pertanian, perburuan Agriculture, hunting and dan sarana pertanian 61,916 3,953 65,869 agriculture improvements Konstruksi 5,839 1,647 7,486 Construction Pengangkutan, pergudangan Transportation, warehouse dan komunikasi 6,352 450 6,802 and communication Pertambangan 2,788 - 2,788 Mining Sub jumlah 5,077,708 109,008 5,186,716 Sub total Dolar Amerika Serikat United States Dollar Pertambangan 4,244 - 4,244 Mining Perdagangan, restoran dan hotel 13,828 246 14,074 Trading, restaurant and hotel Industri pengolahan 28,019 - 28,019 Processing industry Konstruksi 27,308 - 27,308 Construction Pengangkutan, pergudangan Transportation, warehouse dan komunikasi 483 - 483 and communication 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 Modal kerja 9,942 9,819 19,761 Working capital loans 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 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 – 556– Schedule 10. PINJAMAN YANG DIBERIKAN lanjutan

10. LOANS continued b. Berdasarkan sektor ekonomi lanjutan

b. By economic sector continued

Pinjaman yang diberikan berdasarkan sektor ekonomi dan pinjaman yang mengalami penurunan nilai dan tidak mengalami penurunan nilai lanjutan Loans based on economic sector and impaired and non-impaired loans continued 2011 Tidak mengalami Mengalami penurunan penurunan nilai nilai Jumlah Unimpaired impaired Total Rupiah Rupiah Konsumsi 2,651,644 33,191 2,684,835 Consumer Jasa dunia usaha 47,171 919 48,090 Business services Jasa pelayanan sosial 338,548 4,485 343,033 Social services Industri pengolahan 71,202 3,194 74,396 Processing industry Perdagangan, restoran dan hotel 59,390 11,499 70,889 Trading, restaurant and hotel Pertanian, perburuan Agriculture, hunting and dan sarana pertanian 39,846 2,627 42,473 agriculture improvements Konstruksi 3,700 - 3,700 Construction Pengangkutan, pergudangan Transportation, warehouse dan komunikasi 2,416 400 2,816 and communication Pertambangan 1,744 - 1,744 Mining Sub jumlah 3,215,661 56,315 3,271,976 Sub total Dolar Amerika Serikat United States Dollar Pertambangan 10,648 - 10,648 Mining Perdagangan, restoran dan hotel 4,733 - 4,733 Trading, restaurant and hotel Jasa dunia usaha 54,419 - 54,419 Business services Sub jumlah 69,800 - 69,800 Sub total 3,285,461 56,315 3,341,776 Dikurangi: Cadangan Less: Allowance for kerugian penurunan nilai 10,710 19,145 29,855 impairment losses Jumlah 3,274,751 37,170 3,311,921 Total 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 – 557– Schedule 10. PINJAMAN YANG DIBERIKAN lanjutan

10. LOANS continued b. Berdasarkan sektor ekonomi lanjutan

b. By economic sector continued

Pinjaman yang diberikan berdasarkan sektor ekonomi dan pinjaman berdasarkan kolektibilitas sesuai ketentuan Bank Indonesia. Loans based on economic sector and loan 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 Rupiah Rupiah Konsumsi 4,793,958 93,310 12,942 12,966 57,679 4,970,855 Consumer Jasa dunia usaha 663,488 13,189 - - 3,049 679,726 Business services Jasa pelayanan sosial 378,365 28,691 12 1,188 53,504 461,760 Social services Industri pengolahan 118,152 27,726 2,173 - 7,151 155,202 Processing industry Perdagangan, restoran Trading, restaurant dan hotel 39,484 2,584 97 534 16,578 59,277 and hotel Pertanian, perburuan Agriculture, hunting dan sarana and agriculture pertanian 14,562 481 647 319 6,531 22,540 improvements Konstruksi 7,158 1,188 - - 385 8,731 Construction Pengangkutan, Transportation, pergudangan dan warehouse and komunikasi 2,644 800 125 - 384 3,953 communication Pertambangan - - - - - - Mining Sub jumlah 6,017,811 167,969 15,996 15,007 145,261 6,362,044 Sub total Dolar Amerika Serikat United States Dollar Perdagangan, restoran Trading, restaurant dan hotel 10,633 - - - - 10,633 and hotel Pertambangan 11,274 - - - - 11,274 Mining 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 38,908Working 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 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 – 558– Schedule 10. PINJAMAN YANG DIBERIKAN lanjutan

10. LOANS continued b. Berdasarkan sektor ekonomi lanjutan

b. By economic sector continued

Pinjaman yang diberikan berdasarkan sektor ekonomi dan pinjaman berdasarkan kolektibilitas sesuai ketentuan Bank Indonesia. Loans based on economic sector and loan based on collectibility according to Bank Indonesia regulation. 2013 Dalam perhatian Kurang khusus lancar Lancar Special Sub Diragukan Macet Jumlah Current mention Standard Doubtful Loss Total Rupiah Rupiah Konsumsi 4,500,528 73,623 9,068 10,469 44,314 4,638,002 Consumer Jasa dunia usaha 740,894 2,775 141 - 4,177 747,987 Business services Jasa pelayanan sosial 400,184 19,312 23,884 1,308 31,372 476,060 Social services Industri pengolahan 159,310 707 - 1,710 5,585 167,312 Processing industry Perdagangan, restoran Trading, restaurant dan hotel 49,955 4,552 1,687 546 17,452 74,192 and hotel Pertanian, perburuan Agriculture, hunting dan sarana and agriculture pertanian 41,470 846 3,395 59 7,784 53,554 improvements Konstruksi 7,306 297 - - 587 8,190 Construction Pengangkutan, Transportation, pergudangan dan warehouse and komunikasi 4,024 885 - - 380 5,289 communication Pertambangan - - - - - - Mining Sub jumlah 5,903,671 102,997 38,175 14,092 111,651 6,170,586 Sub total Dolar Amerika Serikat United States Dollar Industri pengolahan - - - - - - Processing industry Perdagangan, restoran Trading, restaurant dan hotel 11,424 - - - - 11,424 and hotel Konstruksi - - - - - - Construction Pengangkutan, Transportation, pergudangan dan warehouse and komunikasi - - - - - - communication Pertambangan 17,371 - - - - 17,371 Mining Sub jumlah 28,795 - - - - 28,795 Sub total 5,932,466 102,997 38,175 14,092 111,651 6,199,381 Dikurangi : Cadangan kerugian penurunan Less : Allowance for nilai impairment losses Kredit konsumsi 6,184 2,931 2,093 2,346 14,683 28,237 Consumer loans Modal kerja 6,213 1,409 16,448 534 17,947 42,551 Working capital loans Investasi 2,767 183 79 217 4,459 7,705 Investment loans Sub jumlah 15,164 4,523 18,620 3,097 37,089 78,493 Sub total Jumlah 5,917,302 98,474 19,555 10,995 74,562 6,120,888 Total 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 – 559– Schedule 10. PINJAMAN YANG DIBERIKAN lanjutan

10. LOANS continued b. Berdasarkan sektor ekonomi lanjutan

b. By economic sector continued

Kualitas pinjaman yang diberikan berdasarkan kolektibilitas sesuai ketentuan Bank Indonesia lanjutan Loans quality based on collectibility according to Bank Indonesia regulation continued 2012 Dalam perhatian Kurang khusus lancar Lancar Special Sub Diragukan Macet Jumlah Current mention Standard Doubtful Loss Total Rupiah Rupiah Konsumsi 3,694,406 41,952 6,040 8,984 38,260 3,789,642 Consumer Jasa dunia usaha 726,587 4,512 - 791 2,543 734,433 Business services Jasa pelayanan sosial 310,164 8,736 2,483 2,154 8,395 331,932 Social services Industri pengolahan 153,402 3,837 - 1,341 7,135 165,715 Processing industry Perdagangan, restoran Trading, restaurant dan hotel 55,490 3,428 5,254 798 17,080 82,050 and hotel Pertanian, perburuan Agriculture, hunting dan sarana and agriculture pertanian 57,883 5,568 147 19 2,251 65,868 improvements Konstruksi 7,386 - - - 100 7,486 Construction Pengangkutan, Transportation, pergudangan dan warehouse and komunikasi 6,352 - - - 450 6,802 communication Pertambangan 2,788 - - - - 2,788 Mining Sub jumlah 5,014,458 68,033 13,924 14,087 76,214 5,186,716 Sub total Dolar Amerika Serikat United States Dollar Industri pengolahan 28,019 - - - - 28,019 Processing industry Perdagangan, restoran Trading, restaurant dan hotel 13,828 - - 246 - 14,074 and hotel Konstruksi 27,308 - - - - 27,308 Construction Pengangkutan, Transportation, pergudangan dan warehouse and komunikasi 483 - - - - 483 communication Pertambangan 2,689 1,555 - - - 4,244 Mining Sub jumlah 72,327 1,555 - 246 - 74,128 Sub total 5,086,785 69,588 13,924 14,333 76,214 5,260,844 Dikurangi : Cadangan kerugian penurunan Less : Allowance for nilai impairment losses Kredit konsumsi 8,334 1,610 812 798 8,207 19,761 Consumer loans Modal kerja 2,621 366 220 1,231 7,337 11,775Working capital loans Investasi 6,646 1,891 615 1,218 14,961 25,331 Investment loans Sub jumlah 17,601 3,867 1,647 3,247 30,505 56,867 Sub total Jumlah 5,069,184 65,721 12,277 11,086 45,709 5,203,977 Total 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 – 560– Schedule 10. PINJAMAN YANG DIBERIKAN lanjutan

10. LOANS continued b. Berdasarkan sektor ekonomi lanjutan

b. By economic sector continued

Kualitas pinjaman yang diberikan berdasarkan kolektibilitas sesuai ketentuan Bank Indonesia lanjutan Loans quality based on collectibility according to Bank Indonesia regulation continued 2011 Dalam perhatian Kurang khusus lancar Lancar Special Sub Diragukan Macet Jumlah Current mention Standard Doubtful Loss Total Rupiah Rupiah Konsumsi 2,614,977 37,704 3,899 4,893 23,362 2,684,835 Consumer Jasa dunia usaha 45,779 1,392 - - 919 48,090 Business services Jasa pelayanan sosial 330,962 7,589 19 - 4,463 343,033 Social services Industri pengolahan 68,031 3,312 468 - 2,585 74,396 Processing industry Perdagangan, restoran Trading, restaurant dan hotel 48,587 10,803 712 3,295 7,492 70,889 and hotel Pertanian, perburuan Agriculture, hunting dan sarana and agriculture pertanian 32,786 7,054 174 310 2,149 42,473 improvements Konstruksi 3,700 - - - - 3,700 Construction Pengangkutan, Transportation, pergudangan dan warehouse and komunikasi 2,416 - - 400 - 2,816 communication Pertambangan 1,744 - - - - 1,744 Mining Sub jumlah 3,148,982 67,854 5,272 8,898 40,970 3,271,976 Sub total Dolar Amerika Serikat United States Dollar Jasa dunia usaha 54,419 - - - - 54,419 Business services Perdagangan, restoran Trading, restaurant dan hotel 4,733 - - - - 4,733 and hotel Pertambangan 10,648 - - - - 10,648 Mining Sub jumlah 69,800 - - - - 69,800 Sub total 3,218,782 67,854 5,272 8,898 40,970 3,341,776 Dikurangi : Cadangan kerugian penurunan Less : Allowance for nilai 6,869 3,855 1,021 1,844 16,266 29,855 impairment losses Jumlah 3,211,913 63,999 4,251 7,054 24,704 3,311,921 Total 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 – 561– Schedule 10. PINJAMAN YANG DIBERIKAN lanjutan

10. LOANS continued c. Berdasarkan jangka waktu perjanjian kredit

dan sisa jangka waktu c. By term of credit agreements and remaining maturity period Berdasarkan jangka waktu perjanjian kredit By term of credit agreements 30 Juni June 2014 31 DesemberDecember 2013 2012 2011 Sampai dengan 1 bulan 1,241 43 1,116 190 Up to 1 month 1 s.d 3 bulan 2,235 1,632 8,343 4,832 1 month to 3 months 3 s.d 6 bulan 1,345 3,900 31,405 10,208 3 months to 6 months 6 s.d 12 bulan 26,399 124,907 162,576 82,374 6 months to 12 months 1 s.d 2 tahun 129,449 225,664 203,609 107,714 1 year to 2 years 2 s.d 5 tahun 1,289,253 1,255,584 1,881,093 1,276,264 2 years to 5 years Lebih dari 5 tahun 4,934,029 4,587,651 2,972,702 1,860,194 More than 5 years 6,383,951 6,199,381 5,260,844 3,341,776 Dikurangi: Cadangan Less:Allowance for kerugian penurunan nilai 75,070 78,493 56,867 29,855 impairment losses 6,308,881 6,120,888 5,203,977 3,311,921 Berdasarkan sisa jangka waktu By remaining maturity period 30 Juni June 2014 31 DesemberDecember 2013 2012 2011 Sampai dengan 1 bulan 34,402 10,216 15,865 14,690 Up to 1 month 1 s.d 3 bulan 34,098 41,567 39,436 51,765 1 month to 3 months 3 s.d 6 bulan 72,397 96,707 111,288 63,126 3 months to 6 months 6 s.d 12 bulan 171,103 204,497 204,442 162,344 6 months to 12 months 1 s.d 2 tahun 619,386 650,881 354,434 243,173 1 year to 2 years 2 s.d 5 tahun 1,515,072 1,659,853 1,862,874 1,213,271 2 years to 5 years Lebih dari 5 tahun 3,937,493 3,535,660 2,672,505 1,593,407 More than 5 years 6,383,951 6,199,381 5,260,844 3,341,776 Dikurangi: Cadangan Less: Allowance for kerugian penurunan nilai 75,070 78,493 56,867 29,855 impairment losses 6,308,881 6,120,888 5,203,977 3,311,921 d. Kredit kepada pihak berelasi dan pihak ketiga d. By related and third parties 30 Juni June 2014 31 DesemberDecember 2013 2012 2011 Pihak-pihak yang berelasi Catatan 42 12,752 33,632 34,447 106,702 Related parties Note 42 Pihak ketiga 6,371,199 6,165,749 5,226,397 3,235,074 Third parties 6,383,951 6,199,381 5,260,844 3,341,776 Dikurangi: Cadangan Less: Allowance for kerugian penurunan nilai 75,070 78,493 56,867 29,855 impairment losses 6,308,881 6,120,888 5,203,977 3,311,921 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 – 562– Schedule 10. PINJAMAN YANG DIBERIKAN lanjutan

10. LOANS continued e. Tingkat suku bunga rata-rata per tahun

e. Average annual interest rate

30 Juni June 2014 31 DesemberDecember 2013 2012 2011 Pinjaman rekening koran 16.34 15.39 16.78 16.75 Demand loans Kredit modal kerja 15.47 16.06 17.16 17.32 Working capital loans Kredit investasi 16.69 17.03 16.66 15.62 Investment loans Kredit konsumsi 19.09 19.47 20.54 21.33 Consumer loans f. Cadangan kerugian penurunan nilai f. Allowance for impairment losses 30 JuniJune 2014 Kolektif Collective Individual Individual Jumlah Total Saldo awal 31,759 46,734 78,493 Beginning balance Pembentukan Allowance selama periode berjalan 2,276 15,496 17,772 during the period Penerimaan kembali kredit Recovery of loans yang telah dihapusbukukan - 686 686 previously written-off Penghapusbukuan selama Write-offs during periode berjalan - 21,881 21,881 the current period Saldo akhir 34,035 41,035 75,070 Ending balance 2013 Kolektif Collective Individual Individual Jumlah Total Saldo awal 32,182 24,685 56,867 Beginning balance Pembentukan Allowance selama periode berjalan 1,997 27,525 29,522 during the period Penerimaan kembali kredit Recovery of loans yang telah dihapusbukukan - 1,173 1,173 previously written-off Penghapusbukuan selama Write-offs during periode berjalan 2,420 6,649 9,069 the current period Saldo akhir 31,759 46,734 78,493 Ending balance 2012 Kolektif Collective Individual Individual Jumlah Total Saldo awal 14,814 15,041 29,855 Beginning balance Pembentukan Allowance selama periode berjalan 28,452 11,421 39,873 during the period Penerimaan kembali kredit Recovery of loans yang telah dihapusbukukan - 1,618 1,618 previously written-off Penghapusbukuan selama Write-offs during periode berjalan 11,084 3,395 14,479 the current period Saldo akhir 32,182 24,685 56,867 Ending balance 30 Juni June 2014 31 DesemberDecember 2013 2012 2011 Saldo awal 78,493 56,867 29,855 48,367 Beginning balance Pembentukanpemulihan Allowancereversal during selama tahun berjalan 17,772 29,522 39,873 4,960 the year Penerimaan kembali kredit Recovery of loans previously yang telah dihapusbukukan 686 1,173 1,618 2,224 written-off Penghapusbukuan selama tahun berjalan 21,881 9,069 14,479 15,776 Write-offs during the year Saldo akhir 75,070 78,493 56,867 29,855 Ending balance Manajemen berpendapat bahwa cadangan kerugian yang dibentuk cukup untuk menutup kemungkinan kerugian akibat penurunan nilai pinjaman yang diberikan. Management believes that the allowance for losses is adequate to cover impairment losses for loans. 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 – 563– Schedule 10. PINJAMAN YANG DIBERIKAN lanjutan

10. LOANS continued g. Pinjaman

yang diberikan yang direstrukturisasi

g. Restructured loans

30 Juni June 2014 31 DesemberDecember 2013 2012 2011 Saldo pinjaman yang direstrukturisasi 37,535 16,674 16,767 16,771 Restructured loan balance Dikurangi : Cadangan Less : Allowance for kerugian penurunan nilai 1,648 3,704 5,117 5,664 impairment losses 35,887 12,970 11,650 11,107 Kredit yang direstrukturisasi meliputi antara lain penjadwalan ulang pembayaran pokok kredit dan bunga, penurunan tunggakan bunga, penurunan tingkat bunga dan penambahan fasilitas kredit. Restructured loans include loans with rescheduled principal and interest payments, reduced overdue interest, reduced interest rates and increased loan facilities. Tidak ada kredit yang direstrukturisasi yang termasuk dalam pinjaman yang diberikan kepada pihak berelasi. There are no restructured loans to related parties. h. Batas Maksimum Pemberian Kredit h. Legal lending limit Pada tanggal 20 Januari 2005, BI mengeluarkan peraturan No. 73PBI2005 tentang ”Batas Maksimum Pemberian Kredit “BMPK” Bank Umum” yang berlaku efektif sejak tanggal 20 Januari 2005. Peraturan tersebut menetapkan batas maksimum penyediaan dana kepada satu peminjam yang bukan merupakan pihak berelasi tidak melebihi 20 dari modal Bank. Peraturan tersebut juga menetapkan batas maksimum penyediaan dana kepada satu kelompok peminjam yang bukan pihak berelasi tidak melebihi 25 dari modal Bank. Peraturan ini telah diubah dengan peraturan BI No. 813PBI2006 tanggal 5 Oktober 2006 tentang kriteria penyediaan dana kepada pihak berelasi yang dikecualikan dari perhitungan BMPK. Pada tanggal 30 Juni 2014, 31 Desember 2013, 2012 dan 2011, tidak terdapat pelampauan dan pelanggaran atas BMPK baik kepada pihak berelasi dan pihak tidak berelasi. On 20 January 2005, BI issued regulation No. 73PBI2005 relating to the ”Legal Lending Limit “LLL” for Commercial Banks” which was effective starting 20 January 2005. This regulation requires the maximum lending limit to one non-related party borrower not to exceed 20 of the Bank’s capital. This regulation also requires the maximum lending limit to non related party group of borrowers not to exceed 25 of Bank’s capital. This regulation has been amended by BI regulation No. 813PBI2006 dated 5 October 2006 regarding criteria of lending to related parties which exempted from calculation of the LLL. As at 30 June 2014, 31 December 2013, 2012 and 2011, there was no breach and no violation of the LLL requirements both to related parties and third parties.

i. Jaminan

i. Collateral

Pinjaman yang diberikan biasanya dijamin dengan agunan yang diikat dengan hipotik, hak tanggungan atau surat kuasa untuk menjual, deposito berjangka dan jaminan lainnya. Pada tanggal 30 Juni 2014, 31 Desember 2013, 2012 dan 2011, jumlah pinjaman yang diberikan yang dijamin dengan jaminan tunai berupa giro dan deposito berjangka yang diblokir adalah masing- masing sebesar Rp55.173, Rp79.195, Rp83.033 dan Rp182.998. Loans are generally collateralised by registered mortgages, powers of attorney to mortgage or sell, time deposits and other guarantees. As at 30 June 2014, 31 December 2013, 2012 and 2011, loans collateralised by cash collateral in form of pledged current accounts and time deposit amounted to Rp55.173, Rp79,195, Rp83,033 and Rp182,998, respectively.

j. Informasi mengenai tingkat suku bunga dan jatuh

tempo diungkapkan dalam Catatan 46.

j. Information in respect of interest rates and

maturities is disclosed in Note 46. 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 – 564– Schedule 10. PINJAMAN YANG DIBERIKAN lanjutan

10. LOANS continued k. Bank tidak memiliki pembelian kredit dari BPPN

l. Rasio kredit usaha kecil terhadap jumlah kredit

yang diberikan oleh Bank pada tanggal 30 Juni 2014 sebesar 78,03.

m. Pada tanggal 30 Juni 2014, 31 Desember 2013,

2012 dan 2011, Bank tidak memiliki kredit sindikasi baik selaku pimpinan, agen atau anggota sindikasi.

n. Perjanjian

Untuk melindungi risiko ketidaktagihan pinjaman yang diberikan kepada para pensiunan dan pegawai dikarenakan meninggal dunia, PHK dan kebakaran, Bank telah melaksanakan kerjasama dengan PT Asuransi Jiwa Bersama Bumiputera pihak ketiga, PT Asuransi Jasa Indonesia pihak ketiga, PT Asuransi Kredit Indonesia pihak ketiga, dan PT Asuransi Jiwasraya pihak ketiga.

k. The Bank did not have credit purchasing from

BPPN.

l. The ratio of micro business loans to total loans

granted by the Bank as at 30 June 2014 amounted to 78.03.

m. As at 30 June 2014, 31 December 2013, 2012

and 2011, the Bank did not have syndicated loan as well as a leader, an agent or member of syndicate.

n. Agreements

To cover the risk of uncollectible loans that may arise from pensioner due to death, employee termination and fire, the Bank entered into agreements with PT Asuransi Jiwa Bersama Bumiputera third party, PT Asuransi Jasa Indonesia third party, PT Asuransi Kredit Indonesia, and PT Asuransi Jiwasraya third party. 11. TAGIHAN DAN LIABILITAS AKSEPTASI 11. ACCEPTANCE RECEIVABLES AND PAYABLES a. Berdasarkan mata uang a. By currencies 30 Juni June 2014 31 DesemberDecember 2013 2012 2011 Tagihan akseptasi Acceptance receivables Dollar Amerika Serikat - - 19,198 - United States Dollar Dikurangi: Cadangan Less: Allowance for kerugian penurunan nilai - - - - impairment losses - - 19,198 - Liabilitas akseptasi Acceptance payables Dollar Amerika Serikat - - 19,198 - United States Dollar - - 19,198 - b. Berdasarkan kolektibilitas b. By collectibility Kolektibilitas tagihan akseptasi adalah sebagai berikut: The collectibility of acceptance receivables are as follows: 30 Juni June 2014 31 DesemberDecember 2013 2012 2011 Lancar - - 19,198 - Current Dikurangi: Cadangan Less: Allowance for kerugian penurunan nilai - - - - impairment losses - - 19,198 - 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 – 565– Schedule 11. TAGIHAN DAN LIABILITAS AKSEPTASI lanjutan

11. ACCEPTANCE RECEIVABLES AND PAYABLES

continued

c. Berdasarkan transaksi dengan pihak berelasi dan pihak ketiga

c. By transactions with related party and third party

Pada tanggal 30 Juni 2014, 31 Desember 2013, 2012 dan 2011, tidak terdapat tagihan dan liabilitas akseptasi yang berasal dari pihak berelasi. As at 30 June 2014, 31 December 2013, 2012 and 2011, there were no acceptances receivable and payable from related party.

d. Informasi mengenai tingkat suku bunga dan jatuh

tempo diungkapkan dalam Catatan 46.

d. Information in respect of interest rates and

maturities is disclosed in Note 46. 12. PENYERTAAN SAHAM 12. INVESTMENTS IN SHARES 30 Juni June 2014 31 DesemberDecember 2013 2012 2011 PT Sarana Jabar Ventura 449 449 449 413 PT Sarana Jabar Ventura Dikurangi: Cadangan Less: Allowance for kerugian penurunan nilai - - - - impairment losses 449 449 449 413 Sejak tanggal 28 Oktober 1993, Bank memiliki penyertaan dalam bentuk saham pada PT Sarana Jabar Ventura, perusahaan yang bergerak dalam bidang modal ventura. Since 28 October 1993, the Bank has an investment in shares at PT Sarana Jabar Ventura, a capital venture company. Persentase kepemilikan Bank pada PT Sarana Jabar Ventura pada tanggal 30 Juni 2014 adalah sebesar 3,58 2013: 3,58, 2012: 3,58 dan 2011: 3,51. The percentage of ownership of the Bank in PT Sarana Jabar Ventura on 30 June 2014 is 3.58 2013: 3.58, 2012: 3.58 and 2011: 3.51. Manajemen berpendapat bahwa tidak diperlukan cadangan kerugian penurunan nilai untuk menutup kerugian yang mungkin timbul dari penyertaan saham. Management believes that no allowance for impairment losses is required to cover possible losses arising from investments in shares. 13. ASET TETAP 13. FIXED ASSETS 2014 1 Januari Penambahan Pengurangan Reklasikasi 30Juni January Additions Disposals Reclassification June Harga perolehan: Cost: Tanah 37,045 - - - 37,045 Land Bangunan 88,551 - - 685 89,236 Buildings Perabot dan perlengkapan 80,975 3,434 73 - 84,336 Furniture and fixtures Aset dalam penyelesaian 382 4,218 131 685 3,784 Construction in progress 206,953 7,652 204 - 214,401 Accumulated Akumulasi penyusutan: depreciation: Bangunan 11,486 2,315 - - 13,801 Buildings Perabot dan perlengkapan 46,490 6,319 14 - 52,795 Furniture and fixtures 57,976 8,634 14 - 66,596 Nilai buku bersih 148,977 147,805 Net book value