SECURITIES continued Bank Tabungan Negara 2015

Indonesian language. PT BANK TABUNGAN NEGARA PERSERO TBK CATATAN ATAS LAPORAN KEUANGAN Tanggal 31 Desember 2015 dan untuk Tahun yang Berakhir pada Tanggal Tersebut Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain PT BANK TABUNGAN NEGARA PERSERO TBK NOTES TO THE FINANCIAL STATEMENTS As of December 31, 2015 and for the Year Then Ended Expressed in millions of Rupiah, unless otherwise stated 91

9. OBLIGASI PEMERINTAH lanjutan

9. GOVERNMENT BONDS continued

Sebagai bagian dari pengelolaan risiko Bank, manajemen telah memitigasi risiko dari dampak fluktuasi harga pasar terhadap obligasi yang dimiliki dengan melakukan investasi dalam reksadana terproteksi yang dimiliki hingga jatuh tempo yang mempunyai underlying obligasi pemerintah seri FR63. Pada tanggal-tanggal 31 Desember 2015 and 2014, Bank merupakan satu-satunya pihak yang memegang unit reksadana tersebut. As part of the Bank’s risk management, the management has mitigated the risk of market price fluctuation in relation with the bonds owned by investing in protected mutual fund which held to maturity and has underlying of government bonds series FR63. As of December 31, 2015 and 2014, the Bank is the only party who holds the mutual fund unit.

10. KREDIT YANG

DIBERIKAN DAN PEMBIAYAANPIUTANG SYARIAH 10. LOANS AND SHARIA FINANCING RECEIVABLES Seluruh kredit yang diberikan oleh Bank, termasuk pembiayaanpiutang syariah adalah dalam Rupiah. Rincian kredit dan pembiayaanpiutang syariah yang diberikan oleh Bank berdasarkan jenis, transaksi dengan pihak-pihak berelasi, sektor ekonomi, jangka waktu sesuai dengan perjanjian, sisa umur jatuh tempo dan kolektibilitas adalah sebagai berikut: All loans provided by the Bank, including sharia financingreceivables are in Rupiah. The details of loans and sharia financingreceivables classified by type, transactions with related parties, economic sector, period based on agreements, remaining period to maturity and collectibility are as follows: a. Jenis Kredit dan PembiayaanPiutang Syariah a. Types of Loans and Sharia FinancingReceivables 31 Desember 31 Desember December 31, 2015 December 31, 2014 Konvensional Conventional Konsumsi Consumer Pemilikan rumah KPR 91.051.510 75.487.968 Housing loan Non-kepemilikan rumah 10.867.610 9.434.206 Non-housing loan 101.919.120 84.922.174 Modal kerja 21.286.580 17.116.519 Working capital Investasi 3.715.351 3.640.253 Investment Sindikasi 79.268 76.978 Syndicated Direksi dan karyawan Directors and employees - Pihak ketiga 726.285 509.845 Third parties - - Pihak yang berelasi 5.554 5.508 Related parties - 127.732.158 106.271.277 Syariah Sharia Konsumsi Consumer Pemilikan rumah KPR 6.754.551 5.105.186 Housing loan Non-kepemilikan rumah 459.259 500.105 Non-housing loan 7.213.810 5.605.291 Modal kerja 3.386.033 3.371.785 Working capital Investasi 623.066 666.409 Investment Direksi dan karyawan Directors and employees - Pihak yang berelasi 737 1.039 Related parties - 11.223.646 9.644.524 Total 138.955.804 115.915.801 Total Dikurangi cadangan kerugian Less allowance penurunan nilai 2.050.578 1.570.183 for impairment losses Neto 136.905.226 114.345.618 Net Indonesian language. PT BANK TABUNGAN NEGARA PERSERO TBK CATATAN ATAS LAPORAN KEUANGAN Tanggal 31 Desember 2015 dan untuk Tahun yang Berakhir pada Tanggal Tersebut Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain PT BANK TABUNGAN NEGARA PERSERO TBK NOTES TO THE FINANCIAL STATEMENTS As of December 31, 2015 and for the Year Then Ended Expressed in millions of Rupiah, unless otherwise stated 92

10. KREDIT YANG

DIBERIKAN DAN PEMBIAYAANPIUTANG SYARIAH lanjutan 10. LOANS AND SHARIA FINANCING RECEIVABLES continued b. Sektor Ekonomi b. Economic Sector 31 Desember 31 Desember December 31, 2015 December 31, 2014 Konvensional Conventional Perumahan 118.460.879 96.130.622 Property Perdagangan, restoran, dan hotel 2.197.360 2.583.964 Trading, restaurant and hotel Konstruksi 2.533.759 2.374.615 Construction Jasa usaha 1.123.045 932.925 Business service Jasa-jasa sosial 805.490 662.488 Social service Manufaktur 280.410 276.059 Manufacturing Transportasi, Pergudangan, Transportation, warehousing, dan Komunikasi 199.490 246.435 and communication Pertanian 129.049 165.682 Farming Pertambangan 132.932 157.865 Mining Listrik, gas dan air 25.562 29.981 Electricity, gas and water Lain-lain 1.844.182 2.710.641 Other 127.732.158 106.271.277 Syariah Sharia Perumahan 6.754.873 5.606.331 Property Jasa usaha 2.595.790 2.570.191 Business service Konstruksi 1.872.983 1.468.002 Construction 11.223.646 9.644.524 Total 138.955.804 115.915.801 Total Dikurangi cadangan kerugian Less allowance penurunan nilai 2.050.578 1.570.183 for impairment losses Neto 136.905.226 114.345.618 Net Terdiri dari rumah tangga dan sektor ekonomi lainnya Consists of household and other economic sectors c. Kolektibilitas c. Collectibility 31 DesemberDecember 31, 2015 31 DesemberDecember 31, 2014 Cadangan Cadangan kerugian kerugian penurunan penurunan nilai nilai Nilai tercatat Allowance Nilai tercatat Allowance Carrying for impairment Carrying for impairment amount losses amount losses Konvensional Conventional Individual 604.209 291.427 445.039 107.426 Individual Kolektif Collective Lancar 106.696.332 17.497 86.492.731 17.453 Current Dalam perhatian khusus 16.245.459 16.015 15.192.696 17.485 Special mention Kurang lancar 219.943 1.113 298.237 2.844 Substandard Diragukan 330.050 5.446 418.149 9.349 Doubtful Macet 3.636.165 1.394.226 3.424.425 1.210.855 Loss 127.732.158 1.725.724 106.271.277 1.365.412 Syariah Sharia Lancar 10.103.098 42.107 8.715.436 41.794 Current Dalam perhatian khusus 934.086 146.148 730.313 28.595 Special mention Kurang lancar 30.548 21.092 39.516 18.491 Substandard Diragukan 20.402 9.221 24.626 13.546 Doubtful Macet 135.512 106.286 134.633 102.345 Loss 11.223.646 324.854 9.644.524 204.771 Total 138.955.804 2.050.578 115.915.801 1.570.183 Total