KREDIT lanjutan LOANS continued

PT BANK ARTHA GRAHA INTERNASIONAL Tbk CATATAN ATAS LAPORAN KEUANGAN Tahun yang Berakhir pada Tanggal 31 Desember 2011 Dengan Angka Perbandingan untuk Tahun 2010 Dinyatakan dalam Rupiah, kecuali dinyatakan lain Indonesian language. PT BANK ARTHA GRAHA INTERNASIONAL Tbk NOTES TO THE FINANCIAL STATEMENTS Year Ended December 31, 2011 With Comparative Figures for 2010 Expressed in Rupiah, unless otherwise stated 67 9. KREDIT lanjutan 9. LOANS continued 2010 Rupiah Mata Uang Asing Jumlah Rupiah Foreign Currency Total Lancar 9.165.241.716.525 1.228.081.005.394 10.393.322.721.919 Current Dalam perhatian khusus 496.711.282.280 - 496.711.282.280 Special mention Kurang lancar 96.847.192.305 8.098.634.536 104.945.826.841 Substandard Diragukan 1.402.159.625 117.160.552.910 118.562.712.535 Doubtful Macet 65.308.685.073 - 65.308.685.073 Loss Jumlah kredit 9.825.511.035.808 1.353.340.192.840 11.178.851.228.648 Total loans Cadangan kerugian Allowance for penurunan nilai 193.661.435.179 impairment losses Bersih 10.985.189.793.469 Net g. Dalam laporan Batasan Maksimum Pemberian Kredit BMPK kepada Bank Indonesia pada tanggal 31 Desember 2011 dan 2010 seluruh kredit yang diberikan memenuhi ketentuan BMPK. g. As of December 31, 2011 and 2010, there are no loans which exceeded the Legal Lending Limit BMPK as stated in the Legal Lending Limit report submitted to Bank Indonesia. h. Rincian kredit bermasalah kolektibilitas kurang lancar, diragukan dan macet menurut sektor ekonomi adalah sebagai berikut: h. Non-performing loans classified as substandard, doubtful and loss based on type of economic sector are as follows: 2011 2010 Pertanian dan pertambangan 143.191.165.044 6.489.086.435 Agribusiness and mining Industri 118.114.670.755 140.883.397.706 Industries Perdagangan 43.696.373.474 31.099.154.315 Trading Transportasi dan komunikasi 39.728.566.518 7.074.165.577 Transportation and communications Jasa 10.014.633.799 83.911.521.690 Services Konstruksi 3.139.224.646 1.626.399.062 Constructions Restoran dan hotel 854.789.075 873.267.664 Restaurant and hotel Lainnya 37.701.367.990 16.860.232.000 Others Jumlah 396.440.791.301 288.817.224.449 Total i. Rasio kredit bermasalah - bersih pada tanggal 31 Desember 2011 dan 2010 masing-masing sebesar 1,85 dan 2. Rasio kredit bermasalah - kotor pada tanggal 31 Desember 2011 dan 2010 masing-masing sebesar 2,96 dan 2,58. i. Net non-performing loans NPL ratio as of December 31, 2011 and 2010 were 1.85 and 2, respectively. Gross non-performing loans ratio as of December 31, 2011 and 2010 were 2.96 and 2.58, respectively. j. Kredit bermasalah yang pengakuan bunganya atas dasar penerimaan kas pada tanggal 31 Desember 2011 dan 2010 masing-masing sebesar Rp 396.440.791.301 dan Rp 288.817.224.449. j. Non-performing loans with interest recognized on a cash basis as of December 31, 2011 and 2010 amounted to Rp 396,440,791,301 and Rp 288,817,224,449, respectively. PT BANK ARTHA GRAHA INTERNASIONAL Tbk CATATAN ATAS LAPORAN KEUANGAN Tahun yang Berakhir pada Tanggal 31 Desember 2011 Dengan Angka Perbandingan untuk Tahun 2010 Dinyatakan dalam Rupiah, kecuali dinyatakan lain Indonesian language. PT BANK ARTHA GRAHA INTERNASIONAL Tbk NOTES TO THE FINANCIAL STATEMENTS Year Ended December 31, 2011 With Comparative Figures for 2010 Expressed in Rupiah, unless otherwise stated 68 9. KREDIT lanjutan 9. LOANS continued