Berdasarkan jenis By type

PT BANK DBS INDONESIA CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2011 DAN 2010 Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE FINANCIAL STATEMENTS 31 DECEMBER 2011 AND 2010 Expressed in millions of Rupiah, unless otherwise stated Lampiran – 553 – Schedule 12. TAGIHAN AKSEPTASI lanjutan

12. ACCEPTANCE RECEIVABLES continued c.

Cadangan kerugian penurunan nilai c. Allowance for impairment losses 2011 2010 Saldo awal 6,745 18,275 Beginning balance Penyesuaian saldo awal Adjustment to opening sehubungan dengan balance in respect of Penerapan PSAK 55 implementation of Revisi 2006 lihat SFAS 55 Revised 2006 Catatan 24 - 11,130 refer to Note 24 Penyisihanpemulihan Allowancereversal during selama tahun berjalan 7,891 22,660 the year Saldo akhir 14,636 6,745 Ending balance Direksi berpendapat bahwa jumlah cadangan kerugian penurunan nilai di atas telah memadai. The Directors believe that the above allowance for impairment losses is adequate. 13. PINJAMAN YANG DIBERIKAN 13. LOANS Pinjaman yang diberikan kepada pihak berelasi diungkapkan pada Catatan 26b. Informasi mengenai tingkat suku bunga dan jatuh tempo diungkapkan masing-masing pada Catatan 27b dan 27c. Loans to related parties are disclosed in Note 26b. Information in respect of interest rates and maturities are disclosed in Note 27b and 27c, respectively.

a. Berdasarkan jenis

a. By type

2011 2010 Modal kerja 14,307,362 11,956,099 Working capital Pinjaman investasi 7,071,463 6,469,690 Investment loans Pinjaman konsumsi 553,082 366,815 Consumer loans Pinjaman karyawan 152,065 141,033 Loans to employees 22,083,972 18,933,637 Dikurangi: Less: Cadangan kerugian Allowance for penurunan nilai 428,294 391,036 impairment losses 21,655,678 18,542,601 Terdiri dari: Consist of: Pihak berelasi 164,140 174,063 Related parties Pihak ketiga 21,919,832 18,759,574 Third parties 22,083,972 18,933,637 Pinjaman karyawan adalah pinjaman berbunga untuk pembelian rumah tinggal dan kendaraan bermotor dengan jangka waktu yang bervariasi hingga maksimum 20 tahun. Pembayaran cicilan pinjaman dilakukan melalui pemotongan gaji karyawan setiap bulan. Loans to the Bank’s employees consist of interest bearing loans intended for the acquisition of motor vehicles and housing, which are due at various dates extending up to a period of 20 years. The loans are collected through monthly payroll deductions. PT BANK DBS INDONESIA CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2011 DAN 2010 Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE FINANCIAL STATEMENTS 31 DECEMBER 2011 AND 2010 Expressed in millions of Rupiah, unless otherwise stated Lampiran – 554 – Schedule 13. PINJAMAN YANG DIBERIKAN lanjutan

13. LOANS continued b.

Berdasarkan mata uang b. By currency 2011 2010 Rupiah 12,195,961 11,021,319 Rupiah Mata uang asing 9,888,011 7,912,318 Foreign currencies 22,083,972 18,933,637 Dikurangi: Less: Cadangan kerugian Allowance for penurunan nilai 428,294 391,036 impairment losses 21,655,678 18,542,601

c. Berdasarkan sektor ekonomi

c. By economic sector

2011 2010 Industri 9,612,980 7,986,056 Industry Perdagangan, restoran dan hotel 3,259,740 2,812,202 Trade, restaurants and hotels Pertanian dan perikanan 2,490,009 2,717,983 Agriculture and fishery Jasa-jasa dunia usaha 1,756,746 2,275,072 Business services Pertambangan 2,018,682 1,155,071 Mining Pengangkutan, pergudangan dan Transportation, warehousing and komunikasi 1,313,985 1,137,255 communication Konstruksi 478,196 185,036 Construction Listrik, gas dan air 318,951 - Electricity, gas and water Lain-lain 834,683 664,962 Others 22,083,972 18,933,637 Dikurangi: Less: Cadangan kerugian Allowance for penurunan nilai 428,294 391,036 impairment losses 21,655,678 18,542,601

d. Berdasarkan

kolektibilitas Bank Indonesia d. By collectibility as per Bank Indonesia guideline 2011 2010 Jumlah pinjaman yang diberikan Total loans Cadangan kerugian penurunan nilai Allowance for impairment losses Jumlah pinjaman yang diberikan Total loans Cadangan kerugian penurunan nilai Allowance for impairment losses Lancar 21,493,092 104,245 18,292,585 71,815 Current Dalam Perhatian khusus 45,249 17,581 212,805 31,133 Special mention Kurang lancar 29,704 14,324 157,105 34,787 Substandard Diragukan 157,856 112,546 6,748 5,648 Doubtful Macet 358,071 179,598 264,394 247,653 Loss 22,083,972 428,294 18,933,637 391,036 Dikurangi: Less: Cadangan kerugian Allowance for penurunan nilai 428,294 391,036 impairment losses 21,655,678 18,542,601