TAGIHAN DAN LIABILITAS DERIVATIF lanjutan DERIVATIVE RECEIVABLE AND PAYABLE continued

CATATAN ATAS LAPORAN KEUANGAN Tahun yang Berakhir pada Tanggal-tanggal 31 Desember 2012 dan 2011 serta Enam Bulan yang Berakhir pada Tanggal 30 Juni 2012 Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain PT BANK ARTHA GRAHA INTERNASIONAL Tbk NOTES TO THE FINANCIAL STATEMENTS Years Ended December 31, 2012 and 2011 and Six Months Ended June 30, 2012 Expressed in million Rupiah, unless otherwise stated 73 12. KREDIT YANG DIBERIKAN lanjutan 12. LOANS continued g. Penyisihan kerugian penurunan nilai g. Allowance for Impairment Losses Perubahan penyisihan kerugian penurunan nilai untuk kredit yang diberikan untuk kelompok individual dan kolektif adalah sebagai berikut: The changes of allowance for impairment losses of loans to individual and collective groups are as follows: 31 Desember 2012 December 31, 2012 30 Juni 2012 June 30, 2012 Individual Individual Kolektif Collective Individual Individual Kolektif Collective Rupiah Rupiah Saldo awal periode 46.290 179.399 46.290 179.399 Balance at beginning period Penghapusbukuan kredit 165.088 140.193 311 - Write-off Penerimaan kembali kredit yang telah dihapusbukukan - 5.698 1.479 - Recoveries from write-off loans during the period Penyisihan pemulihan kerugian penurunan nilai periode berjalan Catatan 38 122.981 39.010 162.170 172.482 Provision reversal impairment loss for the period Note 38 Saldo akhir periode 4.183 5.894 209.628 6.917 Balance at ending period Mata Uang Asing Foreign Currency Saldo awal periode 43.846 18.591 43.846 18.591 Balance at beginning period Penghapusbukuankredit 54.551 Pemulihan kerugian penurunan nilai periode berjalan Catatan 38 10.705 18.467 - 17.239 Reversal of impairment loss for the period Note 38 Saldo akhir periode - 124 43.846 1.352 Balance at ending period Jumlah 4.183 6.018 253.474 8.269 Total termasuk selisih kurs penjabaran mata uang asing including difference in foreign currency translation 31 Desember 2011 December 31, 2011 Individual Individual Kolektif Collective Rupiah Rupiah Saldo awal periode 18.828 162.390 Balance at beginning period Penghapusbukuan kredit 546 - Write-off Penerimaan kembali kredit yang telah dihapusbukukan 4.941 - Recoveries from write-off loans during the year Penyisihan pemulihan kerugian penurunan nilai periode berjalan Catatan 38 23.067 17.009 Provision reversal impairment loss for the year Note 38 Saldo akhir periode 46.290 179.399 Balance at ending period Mata Uang Asing Foreign Currency Saldo awal periode 12.443 - Balance at beginning period Penyisihan kerugian penurunan nilai periode berjalan Catatan 38 31.403 18.591 Provision impairment loss for the period Note 38 Saldo akhir periode 43.846 18.591 Balance at ending period Jumlah 90.136 197.990 Total termasuk selisih kurs penjabaran mata uang asing including difference in foreign currency translation