PEMBIAYAAN MUDHARABAH MUDHARABAH FINANCING

BRISyariah 2015 Annual Report 233 The original financial statements included herein are in the Indonesian language. PT BANK BRISYARIAH CATATAN ATAS LAPORAN KEUANGAN Tanggal 31 Desember 2015 dan untuk Tahun yang Berakhir pada Tanggal Tersebut Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain PT BANK BRISYARIAH NOTES TO THE FINANCIAL STATEMENTS As of December 31, 2015 and for the Year Then Ended Expressed in millions of Rupiah, unless otherwise stated 61 9. PEMBIAYAAN MUSYARAKAH lanjutan 9. MUSYARAKAH FINANCING continued a. Berdasarkan jenis dan mata uang lanjutan: a. By type and currency continued: 31 Desember 2015 31 Desember 2014 December 31, 2015 December 31, 2014 Rupiah lanjutan Rupiah continued Pihak Berelasi Catatan 37 Related Parties Note 37 Modal kerja 41.371 5.131 Working capital Jumlah 5.082.963 4.089.920 Total Cadangan kerugian penurunan nilai 120.617 84.612 Allowance for impairment losses Neto 4.962.346 4.005.308 Net b. Berdasarkan sektor ekonomi: b. By economic sector: 31 Desember 2015 31 Desember 2014 December 31, 2015 December 31, 2014 Pihak Ketiga Third Parties Jasa usaha 1.442.476 527.053 Business service Industri 1.006.706 240.387 Manufacturing Perdagangan 952.027 333.997 Trading Sosialmasyarakat 517.765 2.658.691 Socialpublic Konstruksi 454.368 189.817 Construction Pertanian 283.407 57.719 Agriculture Pengangkutan 273.171 71.259 Transportation Pertambangan 76.763 4.766 Mining Listrik, gas dan air 29.807 1.100 Electricity, gas and water Lainnya 5.102 - Others 5.041.592 4.084.789 Pihak Berelasi Catatan 37 Related Parties Note 37 Pengangkutan 39.999 - Transportation Konstruksi 914 - Construction Sosialmasyarakat 458 - Socialpublic Jasa usaha - 5.131 Business service 41.371 5.131 Jumlah 5.082.963 4.089.920 Total Cadangan kerugian penurunan nilai 120.617 84.612 Allowance for impairment losses Neto 4.962.346 4.005.308 Net c. Berdasarkan jangka waktu: c. By period: 31 Desember 2015 31 Desember 2014 December 31, 2015 December 31, 2014 Pihak Ketiga Third Parties ≤ 1 tahun 1.825.277 1.712.590 ≤ 1 year 1 - ≤ 3 tahun 1.398.996 997.830 1 - ≤ 3 years 3 - ≤ 5 tahun 1.280.805 969.675 3 - ≤ 5 years 5 tahun 536.514 404.694 5 years 5.041.592 4.084.789 BRISyariah Laporan Tahunan 2015 234 The original financial statements included herein are in the Indonesian language. PT BANK BRISYARIAH CATATAN ATAS LAPORAN KEUANGAN Tanggal 31 Desember 2015 dan untuk Tahun yang Berakhir pada Tanggal Tersebut Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain PT BANK BRISYARIAH NOTES TO THE FINANCIAL STATEMENTS As of December 31, 2015 and for the Year Then Ended Expressed in millions of Rupiah, unless otherwise stated 62 9. PEMBIAYAAN MUSYARAKAH lanjutan 9. MUSYARAKAH FINANCING continued c. Berdasarkan jangka waktu lanjutan: c. By period continued: 31 Desember 2015 31 Desember 2014 December 31, 2015 December 31, 2014 Pihak Berelasi Catatan 37 Related Parties Note 37 ≤ 1 tahun 434 534 ≤ 1 year 1 - ≤ 3 tahun 40.479 1.574 1 - ≤ 3 years 3 - 5 tahun 458 3.023 3 - 5 years 41.371 5.131 Jumlah 5.082.963 4.089.920 Total Cadangan kerugian penurunan nilai 120.617 84.612 Allowance for impairment losses Neto 4.962.346 4.005.308 Net d. Berdasarkan sisa umur jatuh tempo: d. By remaining period to maturity: 31 Desember 2015 31 Desember 2014 December 31, 2015 December 31, 2014 Pihak Ketiga Third Parties ≤ 1 bulan 362.066 326.162 ≤ 1 month 1 - ≤ 3 bulan 347.048 376.026 1 - ≤ 3 months 3 - ≤ 12 bulan 1.409.792 1.325.526 3 - ≤ 12 months 1 - ≤ 5 tahun 2.531.171 1.713.827 1 - ≤ 5 years 5 tahun 391.515 343.248 5 years 5.041.592 4.084.789 Pihak Berelasi Catatan 37 Related Parties Note 37 ≤ 1 bulan 458 - ≤ 1 month 1 - ≤ 3 bulan 770 - 1 - ≤ 3 months 3 - ≤ 12 bulan 144 534 3 - ≤ 12 months 1 - 5 tahun 39.999 4.597 1 - 5 years 41.371 5.131 Jumlah 5.082.963 4.089.920 Total Cadangan kerugian penurunan nilai 120.617 84.612 Allowance for impairment losses Neto 4.962.346 4.005.308 Net e. Berdasarkan kolektibilitas: e. By collectibility: 31 Desember 2015 31 Desember 2014 December 31, 2015 December 31, 2014 Lancar 3.799.658 3.719.657 Current Dalam perhatian khusus 988.913 126.785 Special mention Kurang lancar 86.178 11.361 Substandard Diragukan 14.117 73.588 Doubtful Macet 194.097 158.529 Loss Jumlah 5.082.963 4.089.920 Total Cadangan kerugian penurunan nilai 120.617 84.612 Allowance for impairment losses Neto 4.962.346 4.005.308 Net