SURAT-SURAT BERHARGA Lanjutan MARKETABLE SECURITIES Continued

803 Laporan Tahunan Bank SULUTGO 2016 | Annual Report Bank SULUTGO 2016 PT BANK PEMBANGUNAN DAERAH SULAWESI UTARA GORONTALO PT BANK PEMBANGUNAN DAERAH SULAWESI UTARA GORONTALO CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS UNTUK TAHUN-TAHUN YANG BERAKHIR PADA FOR THE YEARS ENDED ON 31 DESEMBER 2016, 2015 SERTA 1 JANUARI 2015 DECEMBER 31, 2016, 2015 AND JANUARY 1, 2015 Dinyatakan dalam Rupiah penuh, kecuali dinyatakan lain Expressed in Rupiah, unless otherwise stated

8. SURAT-SURAT BERHARGA Lanjutan

8. MARKETABLE SECURITIES Continued

Akun ini terdiri dari : This account consists of : c. Klasifikasi surat-surat berharga berdasarkan rating. c. Dimiliki hingga jatuh tempo Held to maturity : PT Bank DKI Pefindo idA+ PT Bank Sumut Pefindo idA+ PT Maluku PT Flitch Ratings idA- PT Bank Nagari Pefindo idA+ d. d. e. e. Kurang dari 1 tahun Less than 1 year 1 - 5 tahun 1-5 year Lebih dari 5 tahun More than 5 year Jumlah Total

9. KREDIT YANG DIBERIKAN

9. LOANS

Akun ini terdiri dari : This account consists of : Pihak-pihak berelasi : Related parties : Kredit Konsumtif Consumptive Loans Kredit Investasi Investment Loans Kredit Modal Kerja Working Capital Loans Pinjaman Rekening Koran Current Account Loans Kredit Usaha Ritel KUR Investasi Loans for Retail Scale Investments Kredit Usaha Kecil KUK Modal Kerja Loans for Small Scale Business Sub-jumlah Sub total Dikurangi : Cadangan Kerugian Less of Allowance for Impairment Loss - Penurunan Nilai - Pihak-pihak berelasi Related parties Jumlah kredit yang diberikan - Total loans - pihak-pihak berelasi - bersih related parties - net Pihak ketiga : Third party : Kredit Konsumtif Consumptive Loans Kredit Investasi Investments Credit Kredit Modal Kerja Working Capital Credit Pinjaman Rekening Koran Current Account Loans Kredit Usaha Ritel KUR Investasi Loans for Retail Scale - Investments Kredit Usaha Kecil KUK - Loans for Small Scale Business - Modal Kerja Working Capital Loans for Small Scale Business - Kredit Usaha Kecil KUK Investasi Investments Kredit Perumahan Rakyat KPR Housing Loans Sub jumlah Sub total Dikurangi : Cadangan Kerugian Less of Allowance for - Penurunan Nilai - Pihak-pihak berelasi Impairment Losses - Related parties Jumlah kredit yang diberikan - Total loans - pihak ketiga - bersih third party - net Jumlah Kredit yang Diberikan - Bersih Total Loans - Net 8.828.349.288.610 8.571.661.535.078 7.365.720.094.261 8.794.602.850.971 8.556.149.378.249 7.333.228.717.106 53.066.182.016 45.519.435.355 33.427.412.632 8.847.669.032.987 8.601.668.813.604 7.366.656.129.738 671.668.119 980.636.113 1.186.809.844 27.567.555.413 52.965.906.721 102.587.722.592 38.138.651.683 13.387.832.059 2.753.187.721 2.781.742.109 5.649.954.106 11.555.091.527 225.645.707.880 140.312.574.344 53.091.003.405 45.840.483.465 44.316.941.606 117.817.354.651 140.849.646.267 115.091.542.898 80.668.936.488 8.366.173.578.051 8.228.963.425.757 6.996.996.023.510 33.746.437.639 15.512.156.829 32.491.377.155 1.264.894.321 846.153.976 830.374.879 5.476.899.157 4.556.420.749 1.439.187.716 6.497.680.962 - - 21.240.420.083 8.826.800.000 27.034.658.207 35.011.331.960 16.358.310.805 33.321.752.034 160.632.928 186.169.009 167.450.204 291.666.675 801.805.560 645.201.413 31 Desember December 31, 1 Januari January 1, 1.344.032.155 1.987.115.487 4.035.254.494 PT Bank SulutGo menilai keuntungan kerugian atau fair value atas surat berharga yang masuk dalam kategori diperdagangkan. Penilaian tersebut dihitung berdasarkan informasi harga gabungan transaksi harian obligasi yang dipublikasikan melalui surat kabar Bisnis Indonesia yang memuat nilai surat berharga pada tanggal-tanggal posisi keuangan. PT Bank SulutGo assess gains losses or the fair value of securities in the category of tradeing. The assessment is calculated based on the combined price information of bonds daily transaction which was published by Bisnis Indonesia that contains the value of securities on the dates of the financial position. 807.968.068.096 761.000.942.262 928.056.111.049 619.983.836.010 599.340.867.970 740.691.311.049 2016 2015 2015 104.302.851.511 111.506.647.320 152.459.800.000 83.681.380.575 50.153.426.972 34.905.000.000 2016 2015 2015 Seluruh penempatan pada surat-surat berharga pada tanggal-tanggal 31 Desember 2016 dan 2015 serta 1 Januari 2015 digolongkan sebagai lancar. All placements of securities on December 31, 2016, 2015 and January 1, 2015 were classified as current. Klasifikasi surat berharga berdasarkan sisa umur sampai dengan jatuh tempo : Classification of Marketable Securities based on remaining period to maturity date: 31 Desember December 31, 1 Januari January 1, Classification of marketable securities based on rating. Penerbit Issuer Rating Institution Rating Klasifikasi penempatan pada bank lain berdasarkan kolektibilitas. Classification of placement in other bank based on collectibility 804 Laporan Tahunan Bank SULUTGO 2016 | Annual Report Bank SULUTGO 2016 PT BANK PEMBANGUNAN DAERAH SULAWESI UTARA GORONTALO PT BANK PEMBANGUNAN DAERAH SULAWESI UTARA GORONTALO CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS UNTUK TAHUN-TAHUN YANG BERAKHIR PADA FOR THE YEARS ENDED ON 31 DESEMBER 2016, 2015 SERTA 1 JANUARI 2015 DECEMBER 31, 2016, 2015 AND JANUARY 1, 2015 Dinyatakan dalam Rupiah penuh, kecuali dinyatakan lain Expressed in Rupiah, unless otherwise stated

9. KREDIT YANG DIBERIKAN Lanjutan

9. LOANS Continued

a. Berdasarkan Sektor Ekonomi a. Based on The Economic Sector Konsumtif Comsumptive Perikanan Fisheries Pertanian Agricultural Peternakan Animal Husbandry Pertambangan Mining Industri Industry Listrik dan Air Electric and Water Konstruksi Construction Perdagangan Trading Pengangkutan Transportation Jasa-Jasa Dunia Usaha Business Services Jasa-Jasa Sosial Kemasyarakatan Social Community Services Jumlah kredit yang diberikan Total loans Dikurangi : Cadangan Kerugian - Less of - Allowance for - Penurunan Nilai Impairment Loss Jumlah kredit yang diberikan - Bersih Total Loans - Net Konsumtif Comsumptive Perikanan Fisheries Pertanian Agricultural Peternakan Animal Husbandry Pertambangan Mining Industri Industry Listrik dan Air Electric and Water Konstruksi Construction Perdagangan Trading Pengangkutan Transportation Jasa-Jasa Dunia Usaha Business Services Jasa-Jasa Sosial Kemasyarakatan Social Community Services Jumlah kredit yang diberikan Total Loans Dikurangi : Cadangan Kerugian - Less of - Allowance for - Penurunan Nilai Impairment Loss Jumlah Kredit yang Diberikan - Bersih Total Loans - Net Konsumtif Comsumptive Perikanan Fisheries Pertanian Agricultural Peternakan Animal Husbandry Pertambangan Mining Industri Industry Listrik dan Air Electric and Water Konstruksi Construction Perdagangan Trading Pengangkutan Transportation Jasa-Jasa Dunia Usaha Business Services Jasa-Jasa Sosial Kemasyarakatan Social Community Services Jumlah kredit yang diberikan Total loans Dikurangi : Cadangan Kerugian - Less of Penurunan Nilai Allowance for Impairment Loss Jumlah Kredit yang Diberikan - Bersih Total loans - Bet 7.286.348.277.193 79.371.817.068 7.365.720.094.261 6.778.358.230 27.479.429.281 34.257.787.511 7.293.126.635.423 106.851.246.349 7.399.977.881.772 101.723.823.139 665.112.917 102.388.936.056 18.462.015.441 2.538.453.152 21.000.468.593 1.926.878.250 153.375.919 2.080.254.169 120.824.932.134 6.432.723.200 127.257.655.334 75.530.820.013 1.223.847.362 76.754.667.375 18.302.999.627 6.393.101 18.309.392.728 33.124.428.014 142.631.833 33.267.059.847 1.206.170.575 - 1.206.170.575 11.918.031.788 349.997.046 12.268.028.834 6.691.569.332 133.826.711 6.825.396.043 4.774.324.956 264.002.503 5.038.327.459 6.898.640.642.154 94.940.882.605 6.993.581.524.759 1 Januari 2015 January 1, 2015 Tidak Mengalami Penurunan Nilai Not Impaired Mengalami Penurunan Nilai Impaired Jumlah Total 4.196.643.286 42.168.946.045 46.365.589.331 8.454.847.038.310 116.814.496.768 8.571.661.535.078 6.008.902.286 917.017.571 6.925.919.857 8.459.043.681.596 158.983.442.813 8.618.027.124.409 872.355.406 14.450.951 886.806.357 11.590.969.775 1.154.259.604 12.745.229.379 70.454.632.994 843.824.105 71.298.457.099 97.350.795.557 14.025.179.527 111.375.975.084 113.157.468.302 601.525.903 113.758.994.205 560.553.714 - 560.553.714 4.348.038.030 293.238.343 4.641.276.373 1.943.075.860 601.684.460 2.544.760.320 1.994.716.585 1.787.016.693 3.781.733.278 816.673.012 246.486.178 1.063.159.190 8.149.945.500.075 138.498.759.478 8.288.444.259.553 31 Desember 2015 December 31, 2015 Tidak Mengalami Penurunan Nilai Not Impaired Mengalami Penurunan Nilai Impaired Jumlah Total 7.400.887.318 46.930.189.019 54.331.076.337 8.694.806.252.184 133.543.036.426 8.828.349.288.610 18.369.562.359 2.035.557.293 20.405.119.652 8.702.207.139.502 180.473.225.445 8.882.680.364.947 791.327.788 1.365.962.150 2.157.289.938 22.152.542.598 1.021.143.231 23.173.685.829 148.733.597.134 5.950.953.903 154.684.551.037 133.567.891.595 37.786.243.313 171.354.134.908 78.042.537.746 6.999.388.892 85.041.926.638 1.537.530.245 8.333.332 1.545.863.577 8.299.391.656 333.651.041 8.633.042.697 1.201.060.827 91.017.356 1.292.078.183 3.038.116.531 224.288.607 3.262.405.138 3.553.435.736 424.382.023 3.977.817.759 Tidak Mengalami Penurunan Nilai Not Impaired Mengalami Penurunan Nilai Impaired Jumlah Total 8.282.920.145.287 124.232.304.304 8.407.152.449.591 Kredit yang diberikan berdasarkan sektor ekonomi yang mengalami penurunan nilai dan yang tidak mengalami penurunan nilai adalah sebagai berikut: Loans which are granted based on the economic sector that may be impaired and that not impaired are as follows: 31 Desember 2016 December 31, 2016