Berdasarkan sektor ekonomi lanjutan By economic sector continued Berdasarkan kolektibilitas By collectability Pinjaman bermasalah Non-performing loans and allowance for impairment losses by economic sector

BNI฀•฀Laporan฀Tahunan฀2010 395 are in Indonesian language. PT BANK NEGARA INDONESIA PERSERO Tbk DAN ANAK PERUSAHAAN CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN Tahun yang Berakhir pada Tanggal-tanggal 31 Desember 2010 dan 2009 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain PT BANK NEGARA INDONESIA PERSERO Tbk AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS Years Ended December 31, 2010 and 2009 Expressed in millions of Rupiah, unless otherwise stated 108 11. PINJAMAN YANG DIBERIKAN lanjutan 11. LOANS continued b. Berdasarkan sektor ekonomi lanjutan b. By economic sector continued 2010 2009 Mata uang asing Foreign currencies Perindustrian 5.269.832 6.052.053 Manufacturing Pertambangan 5.032.357 1.385.329 Mining Jasa dunia usaha 2.173.730 416.567 Business services Listrik, gas dan air 1.838.554 3.320.322 Electricity, gas and water Perdagangan, restoran dan hotel 1.059.246 2.096.843 Trading, restaurants and hotels Pengangkutan, pergudangan Transportation, warehousing dan komunikasi 556.204 213.389 and communications Pertanian 531.919 571.180 Agriculture Konstruksi 14.815 174.987 Construction Jasa pelayanan sosial - 19.393 Social services Lain-lain 2.875.635 1.762.952 Others Jumlah mata uang asing 19.352.292 16.013.015 Total foreign currencies Jumlah 136.356.959 120.843.140 Total Penyisihan kerugian penurunan nilai 6.957.392 6.920.455 Allowance for impairment losses Bersih 129.399.567 113.922.685 Net c. Berdasarkan kolektibilitas c. By collectability 2010 2009 Pokok Penyisihan Pokok Penyisihan Principal Allowance Principal Allowance Individual 7.487.248 4.603.874 - - Individual Kolektif: Collective: Lancar 121.452.603 1.214.269 105.441.979 1.358.770 Current Dalam perhatian khusus 5.725.308 185.110 9.638.916 874.650 Special mention Kurang lancar 517.437 87.614 1.258.274 497.664 Substandard Diragukan 362.953 88.516 608.973 379.446 Doubtful Macet 811.410 778.009 3.894.998 3.809.925 Loss Jumlah 136.356.959 6.957.392 120.843.140 6.920.455 Total

d. Pinjaman bermasalah

dan penyisihan kerugian penurunan nilai berdasarkan sektor ekonomi

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

2010 2009 Pokok Penyisihan Pokok Penyisihan Principal Allowance Principal Allowance Perindustrian 4.354.599 2.484.261 2.607.278 2.481.534 Manufacturing Perdagangan, restoran Trading, restaurants dan hotel 1.557.846 1.155.289 1.496.507 1.149.484 and hotels Pengangkutan, pergudangan Transportation, warehousing dan komunikasi 787.175 349.402 252.195 146.686 and communications Konstruksi 641.772 486.471 401.496 317.961 Construction Jasa dunia usaha 497.644 423.063 417.695 276.437 Business services Pertanian 321.866 182.430 205.118 150.480 Agriculture Listrik, gas dan air 245.627 48.715 3.646 397 Electricity, gas and water Jasa pelayanan sosial 188.806 13.411 55.063 33.463 Social services Pertambangan 62.803 57.091 27.948 18.973 Mining Lain-lain 520.910 357.880 295.299 111.620 Others Jumlah 9.179.048 5.558.013 5.762.245 4.687.035 Total BNI฀•฀2010฀Annual฀Report 396 are in Indonesian language. PT BANK NEGARA INDONESIA PERSERO Tbk DAN ANAK PERUSAHAAN CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN Tahun yang Berakhir pada Tanggal-tanggal 31 Desember 2010 dan 2009 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain PT BANK NEGARA INDONESIA PERSERO Tbk AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS Years Ended December 31, 2010 and 2009 Expressed in millions of Rupiah, unless otherwise stated 109 11. PINJAMAN YANG DIBERIKAN lanjutan 11. LOANS continued