Berdasarkan sektor ekonomi By economic sector

NOTES TO FINANCIAL STATEMENTS SEPTEMBER 30, 2015, AND 2014 AND DECEMBER 31, 2014 Expressed in million Rupiah, unless otherwise stated Continued - 63 - Dalam perhatian khusus Kurang Lancar Special lancar Diragukan Macet Jumlah Current mention Sub-standard Doubtful Loss Total Rp Juta Rp Juta Rp Juta Rp Juta Rp Juta Rp Juta Rp Million Rp Million Rp Million Rp Million Rp Million Rp Million Rupiah Rupiah Jasa dunia usaha 770,487 4,687 - 511 2,635 778,320 Business services Jasa pelayanan sosial 297,041 15,377 1,455 4,899 50,002 368,774 Social services Industri pengolahan 164,889 23,056 - 1,079 39,017 228,041 Processing industry Perdagangan, restoran Trading, restaurant dan hotel 28,753 8,103 133 30 13,059 50,078 and hotel Pertanian, perburuan Agriculture, hunting dan sarana and agriculture pertanian 32,484 356 68 96 6,133 39,137 improvements Konstruksi 12,847 22,407 2,500 - 30,542 68,296 Construction Pengangkutan, Transportation, pergudangan dan warehouse and komunikasi 259,910 121 - - 388 260,419 communication Pertambangan - - - - 8,950 8,950 Mining Lain-lain 5,384,400 59,754 7,390 9,672 77,111 5,538,327 Others Jumlah 6,950,811 133,861 11,546 16,287 227,837 7,340,342 Total Dolar Amerika Serikat United States Dollar Jasa dunia usaha 43,719 - - - - 43,719 Business services Jasa pelayanan sosial 25,699 - - - - 25,699 Social services Industri pengolahan 3,569,026 4,792 - - - 3,573,818 Processing industry Perdagangan, restoran Trading, restaurant dan hotel 191,320 - - - - 191,320 and hotel Konstruksi 9,289 - - - - 9,289 Construction Pengangkutan, Transportation, pergudangan dan warehouse and komunikasi 46,568 - - - - 46,568 communication Pertambangan 181,618 - - - - 181,618 Mining Perikanan 55,939 - - - - 55,939 Fishery Jumlah 4,123,178 4,792 - - - 4,127,970 Total Dikurangi : Cadangan kerugian penurunan Less : Allowance for nilai impairment losses Kredit konsumsi 24,487 4,928 1,107 2,174 34,613 67,309 Consumer loans Kredit modal kerja 42,674 3,443 687 350 34,339 81,493 Working capital loans Kredit investasi 2,717 2,317 14 47 7,783 12,878 Investment loans Sub jumlah 69,878 10,688 1,808 2,571 76,735 161,680 Sub total Jumlah - bersih 11,004,111 127,965 9,738 13,716 151,102 11,306,632 Total - net 31 DesemberDecember 2014 NOTES TO FINANCIAL STATEMENTS SEPTEMBER 30, 2015, AND 2014 AND DECEMBER 31, 2014 Expressed in million Rupiah, unless otherwise stated Continued - 64 - 14. Pada tanggal 30 September 2015 dan 31 Desember 2014, rincian kredit bermasalah menurut sektor ekonomi adalah sebagai berikut: 14. As of September 30, 2015 and December 31, 2014, the details of non-performing loans based on economic sector are as follows: Penyisihan Penyisihan Kredit penurunan Kredit penurunan bermasalah nilai bermasalah nilai Non-performing Allowance for Non-performing Allowance for loans impairment losses loans impairment losses Rp Juta Rp Juta Rp Juta Rp Juta Rp Million Rp Million Rp Million Rp Million Rupiah Rupiah Kredit modal kerja 99,791 45,512 123,346 35,467 Working capital loans Kredit investasi 50,005 19,751 66,134 9,985 Investment loans Kredit konsumsi 109,130 48,191 98,882 38,018 Consumer loans Jumlah 258,926 113,454 288,362 83,470 Total Valuta asing Foreign currencies Kredit modal kerja 59,406 13,311 - - Working capital loans Kredit investasi - - - - Investment loans Kredit konsumsi - - - - Consumer loans Jumlah 59,406 13,311 - - Total Jumlah 318,332 126,765 288,362 83,470 Total 30 SeptemberSeptember 2015 31 DesemberDecember 2014 NOTES TO FINANCIAL STATEMENTS SEPTEMBER 30, 2015, AND 2014 AND DECEMBER 31, 2014 Expressed in million Rupiah, unless otherwise stated Continued - 65 - 15. Mutasi cadangan kerugian penurunan nilai adalah sebagai berikut: 15. The changes in the allowance for impairment losses are as follows: 30 September 31 Desember September 2015 December 2014 Rp Juta Rp Juta Rp Million Rp Million Saldo awal tahun 161,680 4,028 Balance at beginning of year Penambahan dari penggabungan usaha - 150,702 Additions from merger Penyisihan pemulihan Provision reversal of provision tahun berjalan Catatan 36 22,511 69,297 during the year Note 36 Akrual bunga pada kredit yang Accrued interest on impaired mengalami penurunan nilai 81,389 8,671 loans Penghapusan 17,069 53,723 Write-off Selisih kurs - 47 Exchange rate differences Saldo akhir 203,489 161,680 Balance Manajemen berpendapat bahwa cadangan kerugian penurunan nilai kredit adalah cukup untuk menutup kerugian yang mungkin timbul akibat tidak tertagihnya kredit. Management believes that the allowance for impairment losses on loans is adequate to cover the losses which might arise from uncollectible loans. 16. Mutasi kredit yang dihapus buku adalah sebagai berikut: 16. The changes in the loans written off are as follows: Valuta asing Valuta asing Foreign Foreign Rupiah currencies Rupiah currencies Rp Juta US Juta Rp Juta US Juta Rp Million US Million Rp Million US Million Saldo awal tahun 107,661 8 10,200 4 Balance at beginning of year Penambahan dari penggabungan usaha - - 97,461 - Addition from merger Penambahan dalam tahun berjalan 17,069 - - 4 Additions during the year Saldo akhir 90,592 8 107,661 8 Balance 30 SeptemberSeptember 2015 31 DesemberDecember 2014 17. Nilai tercatat biaya perolehan diamortisasi dari kredit yang diberikan adalah sebagai berikut: 17. The carrying amount of loans at amortised cost is as follows: 30 September 31 Desember September 2015 December 2014 Rp Juta Rp Juta Rp Million Rp Million Kredit 13,372,072 11,468,312 Loans Pendapatan bunga yang masih akan Accrued interest income diterima Catatan 14 79,168 65,530 Note 14 Bunga diterima dimuka Interest received in advance Catatan 28 12,507 13,220 Note 28 Cadangan kerugian penurunan nilai 203,489 161,680 Allowance for impariment losses Jumlah - bersih 13,235,244 11,358,942 Total - net