FUNDS OF QARDH continued PEMBIAYAAN MUDHARABAH MUDHARABAH FINANCING

BRISyariah ฀•฀Laporan฀Tahunan฀2013฀|฀2013฀Annual฀Report 201 The original financial statements included herein are in the Indonesian language. PT BANK BRISYARIAH CATATAN ATAS LAPORAN KEUANGAN Tanggal 31 Desember 2013 dan untuk Tahun yang Berakhir pada Tanggal Tersebut Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain PT BANK BRISYARIAH NOTES TO THE FINANCIAL STATEMENTS As of December 31, 2013 and for the Year Then Ended Expressed in millions of Rupiah, unless otherwise stated 53

8. PEMBIAYAAN MUDHARABAH lanjutan

8. MUDHARABAH FINANCING continued

e. Informasi Penting Lainnya lanjutan: e. Other Significant Information continued: 4 Pembiayaan mudharabah dijamin agunan yang diikat dengan hak tanggungan atau surat kuasa memasang hak tanggungan atau surat kuasa untuk menjual, deposito mudharabah Catatan 22 atau jaminan lain yang umumnya dapat diterima oleh Bank. 4 Mudharabah financing are collateralized by registered mortgage or powers of attorneys to mortgage or sell, mudharabah time deposits Note 22 or by other guarantees generally accepted by the Bank. 5 Tabel Non-Performing Financing NPF kotor dan neto atas jumlah pembiayaan mudharabah adalah sebagai berikut: 5 The table of total Non-Performing Financing NPF gross and net on mudharabah financing are as follows: 31 Desember 2013 31 Desember 2012 December 31, 2013 December 31, 2012 NPF - Kotor 13.633 11.067 NPF - Gross Persentase NPF - Kotor 1,55 1,34 Percentage of NPF - Gross NPF - Neto 1.528 239 NPF - Net Persentase NPF - Neto 0,17 0,03 Percentage of NPF - Net

9. PEMBIAYAAN MUSYARAKAH

9. MUSYARAKAH FINANCING

a. Berdasarkan Jenis:

a. By Type:

31 Desember 2013 31 Desember 2012 December 31, 2013 December 31, 2012 Pihak Ketiga Third Parties Modal kerja 2.495.814 1.494.521 Working capital Investasi 587.255 289.711 Investment 3.083.069 1.784.232 Pihak Berelasi Catatan 37 Related Party Note 37 Modal kerja 8.855 - Working capital Jumlah 3.091.924 1.784.232 Total Cadangan penyisihan kerugian 58.407 46.401 Allowance for possible losses Neto 3.033.517 1.737.831 Net b. Berdasarkan Sektor Ekonomi: b. By Economic Sector: 31 Desember 2013 December 31, 2013 Dalam Perhatian Kurang KhususSpecial Lancar Diragukan LancarCurrent Mention Substandard Doubtful MacetLoss JumlahTotal Pihak Ketiga Third Parties Sosialmasyarakat 2.819.666 62.447 43.629 6.361 48.633 2.980.736 Socialpublic Industri 1.743 - 76.662 - - 78.405 Manufacturing Konstruksi 13.534 - - - - 13.534 Construction Perdagangan 4.200 - - - - 4.200 Trading Pertanian 3.694 - - - - 3.694 Agriculture Jasa usaha 2.500 - - - - 2.500 Business services 2.845.337 62.447 120.291 6.361 48.633 3.083.069 Pihak Berelasi Catatan 37 Related Party Note 37 Sosialmasyarakat 8.855 - - - - 8.855 Socialpublic Jumlah 2.854.192 62.447 120.291 6.361 48.633 3.091.924 Total Cadangan penyisihan kerugian 28.392 995 3.380 1.304 24.336 58.407 Allowance for possible losses Neto 2.825.800 61.452 116.911 5.057 24.297 3.033.517 Net BRISyariah ฀•฀Laporan฀Tahunan฀2013฀|฀2013฀Annual฀Report 202 The original financial statements included herein are in the Indonesian language. PT BANK BRISYARIAH CATATAN ATAS LAPORAN KEUANGAN Tanggal 31 Desember 2013 dan untuk Tahun yang Berakhir pada Tanggal Tersebut Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain PT BANK BRISYARIAH NOTES TO THE FINANCIAL STATEMENTS As of December 31, 2013 and for the Year Then Ended Expressed in millions of Rupiah, unless otherwise stated 54

9. PEMBIAYAAN MUSYARAKAH lanjutan

9. MUSYARAKAH FINANCING continued

b. Berdasarkan Sektor Ekonomi lanjutan: b. By Economic Sector continued: 31 Desember 2012 December 31, 2012 Dalam Perhatian Kurang KhususSpecial Lancar Diragukan LancarCurrent Mention Substandard Doubtful MacetLoss JumlahTotal Pihak Ketiga Third Parties Sosialmasyarakat 1.486.697 15.303 8.803 1.299 34.700 1.546.802 Socialpublic Industri 99.409 938 - - - 100.347 Manufacturing Pertambangan 50.000 - - - - 50.000 Mining Jasa usaha 35.609 - - 750 - 36.359 Business services Pengangkutan 14.681 - - - - 14.681 Transportation Perdagangan 11.438 2.632 - - - 14.070 Trading Pertanian 11.609 - - - - 11.609 Agriculture Konstruksi 9.664 - - 700 - 10.364 Construction Jumlah 1.719.107 18.873 8.803 2.749 34.700 1.784.232 Total Cadangan penyisihan kerugian 16.969 944 918 568 27.002 46.401 Allowance for possible losses Neto 1.702.138 17.929 7.885 2.181 7.698 1.737.831 Net c. Berdasarkan Jangka Waktu: c. By Period: 31 Desember 2013 31 Desember 2012 December 31, 2013 December 31, 2012 Pihak Ketiga Third Parties 1 tahun 1.562.721 500.283 1 year 1 - 3 tahun 546.482 403.411 1 - 3 years 3 - 5 tahun 697.376 519.148 3 - 5 years 5 tahun 276.490 361.390 5 years 3.083.069 1.784.232 Pihak Berelasi Catatan 37 Related Party Note 37 1 tahun 1.030 - 1 year 1 - 3 tahun 2.525 - 1 - 3 years 3 - 5 tahun 5.300 - 3 - 5 years 8.855 - Jumlah 3.091.924 1.784.232 Total Cadangan penyisihan kerugian 58.407 46.401 Allowance for possible losses Neto 3.033.517 1.737.831 Net d. Berdasarkan Sisa Umur Jatuh Tempo: d. By Remaining Period to Maturity: 31 Desember 2013 31 Desember 2012 December 31, 2013 December 31, 2012 Pihak Ketiga Third Parties 1 bulan 410.898 105.278 1 month 1 - 3 bulan 348.815 168.420 1 - 3 months 3 - 12 bulan 976.735 543.854 3 - 12 months 1 - 5 tahun 1.086.080 919.056 1 - 5 years 5 tahun 260.541 47.624 5 years 3.083.069 1.784.232 Pihak Berelasi Catatan 37 Related Party Note 37 1 - 3 bulan 534 - 1 - 3 months 3 - 12 bulan 496 - 3 - 12 months 1 - 5 tahun 7.825 - 1 - 5 years 8.855 - Jumlah 3.091.924 1.784.232 Total Cadangan penyisihan kerugian 58.407 46.401 Allowance for possible losses Neto 3.033.517 1.737.831 Net