Berdasarkan sektor ekonomi By economic sector

254 Laporan Tahunan 2008 BNI The original consolidated financial statements included herein are in Indonesian language. PT BANK NEGARA INDONESIA PERSERO Tbk DAN ANAK PERUSAHAAN CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN Tahun yang Berakhir pada Tanggal-tanggal 31 Desember 2008 dan 2007 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain PT BANK NEGARA INDONESIA PERSERO Tbk AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS Years Ended December 31, 2008 and 2007 Expressed in millions of Rupiah, unless otherwise stated 11. PINJAMANPEMBIAYAANPIUTANG YANG DIBERIKAN lanjutan

11. LOANSFINANCINGRECEIVABLES continued b. Berdasarkan sektor ekonomi lanjutan

b. By economic sector continued

2008 2007 Mata uang asing Foreign currencies Perindustrian 8.178.408 8.980.354 Manufacturing Listrik, gas dan air 4.315.208 3.960.001 Electricity, gas and water Pertambangan 2.525.375 3.887.838 Mining Perdagangan, restoran Trading, restaurants and dan hotel 2.365.321 1.936.912 hotels Jasa dunia usaha 1.146.241 1.005.269 Business services Pertanian 1.108.397 952.299 Agriculture Konstruksi 482.269 632.653 Construction Pengangkutan, pergudangan Transportation, warehousing dan komunikasi 386.816 294.218 and communications Jasa pelayanan sosial 23.349 41.136 Social services Lain-lain 1.974.140 1.638.767 Others Jumlah mata uang asing 22.505.524 23.329.447 Total foreign currencies Jumlah 111.994.397 88.651.188 Total Penyisihan kerugian 5.652.046 5.436.203 Allowance for losses Bersih 106.342.351 83.214.985 Net c. Berdasarkan kolektibilitas c. By collectibility 2008 2007 Pokok Penyisihan Pokok Penyisihan Principal Allowance Principal Allowance Lancar 96.751.680 1.142.688 74.032.721 951.796 Current Dalam perhatian khusus 9.646.780 853.688 7.053.533 453.123 Special mention Kurang lancar 1.527.544 212.721 1.165.601 338.134 Substandard Diragukan 790.031 561.064 725.805 338.245 Doubtful Macet 3.278.362 2.881.885 5.673.528 3.354.905 Loss Jumlah 111.994.397 5.652.046 88.651.188 5.436.203 Total

d. Pinjaman bermasalah

dan penyisihan penghapusan berdasarkan sektor ekonomi d. Non-performing loans and allowance for losses by economic sector 2008 2007 Pokok Penyisihan Pokok Penyisihan Principal Allowance Principal Allowance Perindustrian 2.719.801 1.859.338 3.657.129 2.268.832 Manufacturing Perdagangan, Trading, restaurants restoran dan hotel 1.155.703 749.751 1.745.589 566.444 and hotels Jasa dunia usaha 441.262 240.174 338.750 170.430 Business services Konstruksi 270.303 141.026 634.477 405.550 Construction Pertanian 234.757 157.837 153.393 45.658 Agriculture Pengangkutan, Transportation, pergudangan dan warehousing and komunikasi 106.559 29.448 173.780 32.412 communications Pertambangan 89.609 47.707 89.270 25.266 Mining Jasa pelayanan sosial 46.849 32.393 35.866 4.621 Social services Listrik, gas dan air - - 37.003 36.384 Electricity, gas and water Lain-lain 531.094 397.996 699.677 475.687 Others Jumlah 5.595.937 3.655.670 7.564.934 4.031.284 Total Annual Report 2008 BNI 255 The original consolidated financial statements included herein are in Indonesian language. PT BANK NEGARA INDONESIA PERSERO Tbk DAN ANAK PERUSAHAAN CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN Tahun yang Berakhir pada Tanggal-tanggal 31 Desember 2008 dan 2007 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain PT BANK NEGARA INDONESIA PERSERO Tbk AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS Years Ended December 31, 2008 and 2007 Expressed in millions of Rupiah, unless otherwise stated 11. PINJAMANPEMBIAYAANPIUTANG YANG DIBERIKAN lanjutan

11. LOANSFINANCINGRECEIVABLES continued d. Pinjaman

bermasalah dan penyisihan penghapusan berdasarkan sektor ekonomi lanjutan

d. Non-performing loans and allowance for losses by economic sector continued

Rasio pinjaman bermasalah bruto rasio NPL- bruto BNI Induk Perusahaan terhadap jumlah pinjaman yang diberikan adalah sebesar 4,96 dan 8,18 masing-masing pada tanggal 31 Desember 2008 dan 2007, sedangkan rasio pinjaman bermasalah bersih terhadap total pinjaman rasio NPL - bersih adalah sebesar 1,74 dan 4,01 masing- masing pada tanggal 31 Desember 2008 dan 2007. BNI’s parent company ratios of gross non- performing loans to total loans Gross NPL Ratio were 4.96 and 8.18 as of December 31, 2008 and 2007, respectively; while the net non-performing loans to total loans ratios Net NPL Ratio were 1.74 and 4.01 as of December 31, 2008 and 2007, respectively.

e. Tingkat suku bunga dan bagi hasil per tahun

e. Annual interest and revenue sharing rates

Dolar Amerika Serikat Rupiah United States Rupiah Dollar Tingkat suku bunga per tahun: Annual interest rates: 2008 12,25 - 16,00 8,00 - 11,50 2008 2007 13,25 - 15,75 8,00 - 9,50 2007 Tingkat bagi hasil per tahun: Annual revenue sharing rates: 2008 7,25 - 11,00 - 2008 2007 7,25 - 11,00 - 2007

f. Pinjaman yang direstrukturisasi

f. Restructured loans

Pinjaman yang direstrukturisasi meliputi antara lain pinjaman dengan penjadwalan ulang pembayaran pokok pinjaman dan bunga atau penyesuaian tingkat bunga serta penurunan tunggakan bunga. Restructured loans consisted of loans with rescheduled principal and interest payments, adjusted interest rates and reduced overdue interest. 2008 2007 Pinjaman yang direstrukturisasi 11.274.335 11.013.744 Restructured loans Penyisihan kerugian 2.125.550 2.703.064 Allowance for losses Bersih 9.148.785 8.310.680 Net