Allowance for ACCEPTANCES RECEIVABLE continued d. Cadangan

DAN ENTITAS ANAKAND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2015 DAN 2014 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2015 AND 2014 Expressed in millions of Rupiah, unless otherwise stated Halaman - 103 - Page 12. PINJAMAN YANG DIBERIKAN lanjutan

12. LOANS continued d. Berdasarkan kolektibilitas Bank Indonesia

d. By Bank Indonesia collectibility

2015 2014 Pokok Principal Cadangan kerugian penurunan nilai Allowance for impairment losses Pokok Principal Cadangan kerugian penurunan nilai Allowance for impairment losses Lancar 307,862,525 4,394,115 264,621,953 1,620,224 Pass Dalam perhatian khusus 9,533,014 1,965,618 7,563,588 1,102,881 Special mention Kurang lancar 2,722,628 1,306,213 391,745 194,158 Substandard Diragukan 848,223 310,942 851,119 539,641 Doubtful Macet 5,138,759 4,061,730 4,193,876 3,513,391 Loss 326,105,149 12,038,618 277,622,281 6,970,295

e. Pinjaman bermasalah

dan cadangan kerugian penurunan nilai berdasarkan sektor ekonomi

e. Non-performing loans and allowance for impairment losses by economic sector

2015 2014 Pokok Principal Cadangan kerugian penurunan nilai Allowance for impairment losses Pokok Principal Cadangan kerugian penurunan nilai Allowance for impairment losses Perdagangan, Trading, restaurants restoran dan hotel 1,844,724 1,211,834 1,643,560 1,193,482 and hotels Perindustrian 1,791,522 1,288,138 986,958 903,869 Manufacturing Pertambangan 1,285,364 875,341 271,094 263,877 Mining Jasa dunia usaha 729,834 311,540 440,204 337,297 Business services Konstruksi 614,729 523,827 536,405 482,801 Construction Pengangkutan, pergudangan Transportation, warehousing dan komunikasi 587,746 288,944 225,113 170,712 and communications Pertanian 239,869 192,309 293,901 231,007 Agriculture Jasa pelayanan sosial 12,842 7,469 25,346 18,844 Social services Listrik, gas dan air 12,691 3,052 6,762 3,315 Electricity, gas and water Lain-lain 1,590,289 976,431 1,007,397 641,986 Others Total 8,709,610 5,678,885 5,436,740 4,247,190 Total Rasio kredit bermasalah BNI dan Entitas Anak secara gross sebelum dikurangi cadangan kerugian penurunan nilai pada tanggal 31 Desember 2015 dan 2014 masing-masing sebesar 2,67 dan 1,96 rasio untuk BNI saja 2,70 dan 1,96 masing-masing pada tanggal tanggal 31 Desember 2015 dan 2014, sedangkan rasio kredit bermasalah BNI dan Entitas Anak secara neto pada tanggal 31 Desember 2015 dan 2014 masing-masing sebesar 0,93 dan 0,43 rasio untuk BNI saja 0,91 dan 0,39 masing-masing pada tanggal 31 Desember 2015 dan 2014. The non-performing loans ratio of BNI and Subsidiaries on a gross basis, before deducting the allowance for impairment losses, as of 31 December 2015 and 2014, were 2.67 and 1.96, respectively the ratios for BNI only were 2.70 and 1.96 as of 31 December 2015 and 2014, respectively, while the non-performing loans ratio of BNI and Subsidiaries on a net basis as of 31 December 2015 and 2014, were 0.93 and 0.43, respectively the ratios for BNI only were 0.91 and 0.39 as of 31 December 2015 and 2014, respectively.