PINJAMAN YANG DIBERIKAN lanjutan LOANS continued

515 Laporan฀Tahunan฀2012฀•฀ BNI PT BANK NEGARA INDONESIA PERSERO Tbk DAN ENTITAS ANAKAND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2012 DAN 2011 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2012 AND 2011 Expressed in millions of Rupiah, unless otherwise stated 12. PINJAMAN YANG DIBERIKAN lanjutan 12. LOANS continued

c. Berdasarkan sektor ekonomi lanjutan

c. By economic sector continued

2012 2011 Mata uang asing Foreign currencies Pertambangan 9,214,004 10,447,060 Mining Perindustrian 5,337,069 5,119,302 Manufacturing Listrik, gas dan air 2,885,050 1,731,445 Electricity, gas and water Jasa dunia usaha 2,831,624 2,815,115 Business services Perdagangan, restoran dan hotel 1,461,587 1,250,813 Trading, restaurants and hotels Pertanian 543,631 771,458 Agriculture Pengangkutan, pergudangan Transportation, warehousing dan komunikasi 299,690 878,450 and communications Jasa pelayanan sosial 68,893 - Social services Konstruksi 49,702 61,590 Construction Lain-lain 2,993,356 3,207,476 Others 25,684,606 26,282,709 Total 200,742,305 163,533,423 Total Cadangan kerugian Allowance for penurunan nilai 6,907,635 7,028,915 impairment losses Neto 193,834,670 156,504,508 Net

d. Berdasarkan kolektibilitas Bank Indonesia

d. By Bank Indonesia collectibility

2012 2011 Pokok Principal Cadangan kerugian penurunan nilai Allowance for impairment losses Pokok Principal Cadangan kerugian penurunan nilai Allowance for impairment losses Lancar 188,191,805 2,025,455 149,882,340 1,647,543 Pass Dalam perhatian khusus 6,913,686 775,979 7,734,160 399,271 Special mention Kurang lancar 641,351 201,168 476,588 143,245 Substandard Diragukan 666,263 396,658 722,330 272,867 Doubtful Macet 4,329,200 3,508,375 4,718,005 4,565,989 Loss 200,742,305 6,907,635 163,533,423 7,028,915

e. Pinjaman

bermasalah dan cadangan kerugian penurunan nilai berdasarkan sektor ekonomi

e. Non-performing loans and allowance for

impairment losses by economic sector 2012 2011 Pokok Principal Cadangan kerugian penurunan nilai Allowance for impairment losses Pokok Principal Cadangan kerugian penurunan nilai Allowance for impairment losses Perindustrian 1,937,045 1,553,086 2,142,750 2,037,578 Manufacturing Perdagangan, Trading, restaurants restoran dan hotel 1,218,984 818,489 1,516,559 1,195,139 and hotels Konstruksi 537,750 445,670 678,519 547,278 Construction Pertanian 478,680 301,281 164,867 134,737 Agriculture Jasa dunia usaha 315,404 226,264 233,626 173,601 Business services Jasa pelayanan sosial 251,461 239,832 188,654 184,494 Social services Pengangkutan, pergudangan Transportation, warehousing dan komunikasi 72,253 46,711 269,443 248,309 and communications Pertambangan 37,161 28,904 152,784 105,829 Mining Listrik, gas dan air 2,427 1,422 25,749 24,138 Electricity, gas and water Lain-lain 785,649 444,542 543,972 330,998 Others Total 5,636,814 4,106,201 5,916,923 4,982,101 Total 516 2012฀Annual฀Report฀•฀ BNI PT BANK NEGARA INDONESIA PERSERO Tbk DAN ENTITAS ANAKAND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2012 DAN 2011 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2012 AND 2011 Expressed in millions of Rupiah, unless otherwise stated 12. PINJAMAN YANG DIBERIKAN lanjutan 12. LOANS continued