ASSETS AND LIABILITIES DENOMINATED IN FOREIGN CURRENCIES

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 186 43. MANAJEMEN RISIKO lanjutan 43. RISK MANAGEMENT continued Risiko Kredit lanjutan Credit Risk continued ii Konsentrasi risiko aset keuangan dengan eksposur risiko kredit lanjutan ii Concentration of risks of financial assets with credit risk exposure continued a Sektor geografis lanjutan a Geographical sectors continued 31 DesemberDecember 31, 2014 Jawa selain Jabodetabek Kantor Pusat Java other than Lain-lain Head Office Jabodetabek Jabodetabek Sumatera Others Total Kredit yang diberikan dan piutangpembiayaan Loans and sharia financing syariah receivables Konsumer Consumer Pemilikan rumah - 34.041.535 21.083.194 12.156.124 13.312.301 80.593.154 Housing loan Non-kepemilikan rumah - 2.843.182 3.390.827 1.382.952 2.317.350 9.934.311 Non-housing loan Modal kerja - 9.771.313 4.862.873 2.764.057 3.090.061 20.488.304 Working capital Investasi - 1.826.454 1.279.995 405.170 795.043 4.306.662 Investment Sindikasi - 76.978 - - - 76.978 Syndicated Pihak ketiga - 248.051 134.964 65.964 60.866 509.845 Third party Pihak berelasi 4.236 1.526 785 - 6.547 Related party Bunga yang masih akan diterima 95.008 450.108 279.372 163.464 195.537 1.183.489 Interest receivable Aset lain-lain 540.829 3.935 15.947 2.092 2.902 565.705 Other assets Total kotor 26.279.943 49.265.864 31.051.565 16.940.863 19.774.125 143.312.360 Total gross Cadangan kerugian Allowances for penurunan nilai 1.581.156 impairment losses Neto 141.731.204 Net Terdiri dari tagihan kepada pihak ketiga Consists of third party receivables Lain-lain terdiri dari Kalimantan, Sulawesi, Bali, Maluku dan Papua. Others consists of Kalimantan, Sulawesi, Bali, Maluku and Papua. Eksposur risiko kredit atas rekening administratif pada tanggal-tanggal 31 Desember 2015 dan 2014 adalah sebagai berikut: Credit risk exposure related to administrative accounts as of December 31, 2015 and 2014 are as follows: 31 DesemberDecember 31, 2015 Jawa selain Jabodetabek Kantor Pusat Java other than Lain-lain Head Office Jabodetabek Jabodetabek Sumatera Others Total Fasilitas kredit yang belum ditarik - 599.547 629.544 216.797 117.805 1.563.693 Unused loan facilities Garansi yang diterbitkan - 1.149.330 218.680 32.070 59.988 1.460.068 Guarantees issued Total - 1.748.877 848.224 248.867 177.793 3.023.761 Total 31 DesemberDecember 31, 2014 Jawa selain Jabodetabek Kantor Pusat Java other than Lain-lain Head Office Jabodetabek Jabodetabek Sumatera Others Total Fasilitas kredit yang belum ditarik - 951.199 496.952 177.714 118.030 1.743.895 Unused loan facilities Garansi yang diterbitkan - 1.158.851 69.134 17.387 109.480 1.354.852 Guarantees issued Total - 2.110.050 566.086 195.101 227.510 3.098.747 Total Lain-lain Terdiri dari Kalimantan, Sulawesi, Bali, Maluku dan Papua Others consists of Kalimantan, Sulawesi, Bali, Maluku and Papua Hanya fasilitas kredit komitmen yang belum ditarik Only for committed unused loan facility 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 187 43. MANAJEMEN RISIKO lanjutan 43. RISK MANAGEMENT continued Risiko Kredit lanjutan Credit Risk continued ii Konsentrasi risiko aset keuangan dengan eksposur risiko kredit lanjutan ii Concentration of risks of financial assets with credit risk exposure continued b Sektor industri b Industry sectors Tabel berikut ini menggambarkan rincian eksposur kredit Bank pada nilai tercatat tanpa memperhitungkan agunan atau pendukung kredit lainnya, yang dikategorikan berdasarkan sektor industri pada tanggal-tanggal 31 Desember 2015 dan 2014: The following tables provide the details of the Bank’s credit exposure at carrying amounts without taking into account any collateral held or other credit enhancements, categorized based on industry sectors as of December 31, 2015 and 2014: 31 DesemberDecember 31, 2015 Pemerintah termasuk Bank Lembaga Indonesia keuangan Government bukan bank Perusahaan including Non-bank lainnya Bank financial Other Perseorangan Indonesia Bank institutions companies Individuals Total Giro pada Current accounts with Bank Indonesia 10.986.351 - - - - 10.986.351 Bank Indonesia Current accounts with Giro pada bank lain - 202.933 - - - 202.933 other banks Penempatan pada Placements with Bank Indonesia dan Bank Indonesia and bank lain 7.529.477 310.000 - - - 7.839.477 other banks Efek-efek 1.110.691 153.551 467.095 88.225 - 1.819.562 Securities Obligasi Pemerintah 8.230.908 - - - - 8.230.908 Government bonds Kredit yang diberikan dan pembiayaanpiutang Loans and sharia financing syariah 15.055 14.358 464.489 26.427.249 112.034.653 138.955.804 receivables Bunga yang masih akan akan diterima 94.426 2.522 7.909 239.483 1.204.149 1.548.489 Interest receivable Aset lain-lain 1.675 180.685 - 370.760 90.551 643.671 Other assets Total kotor 27.968.583 864.049 939.493 27.125.717 113.329.353 170.227.195 Total gross Cadangan kerugian Allowances for penurunan nilai 2.064.151 impairment losses Neto 168.163.044 Net 31 DesemberDecember 31, 2014 Pemerintah termasuk Bank Lembaga Indonesia keuangan Government bukan bank Perusahaan including Non-bank lainnya Bank financial Other Perseorangan Indonesia Bank institutions companies Individuals Total Giro pada Current accounts with Bank Indonesia 9.371.509 - - - - 9.371.509 Bank Indonesia Current accounts with Giro pada bank lain - 1.094.964 - - - 1.094.964 other banks Penempatan pada Placements with Bank Indonesia dan Bank Indonesia and bank lain 1.496.455 - - - - 1.496.455 other banks Efek-efek 4.753.834 135.465 468.900 88.173 - 5.446.372 Securities Obligasi Pemerintah 8.238.065 - - - - 8.238.065 Government bonds Kredit yang diberikan dan pembiayaanpiutang Loans and sharia financing syariah - 33.533 569.576 21.293.880 94.018.812 115.915.801 receivables Bunga yang masih akan akan diterima 78.976 1.308 13.494 125.786 963.925 1.183.489 Interest receivable Aset lain-lain 14.592 231.376 - 152.586 167.151 565.705 Other assets Total kotor 23.953.431 1.496.646 1.051.970 21.660.425 95.149.888 143.312.360 Total gross Cadangan kerugian Allowances for penurunan nilai 1.581.156 impairment losses Neto 141.731.204 Net Terdiri dari tagihan kepada pihak ketiga. Consists of third party receivables. Termasuk perusahaan yang bergerak di industri perumahan, konstruksi, manufaktur, transportasi, pergudangan dan komunikasi, perdagangan, pertanian, pertambangan dan industri lainnya. Includes other companies under real estate, construction, manufacturing, transportation, warehousing and communication, trading, farming, mining and other industries.