Berdasarkan sektor ekonomi lanjutan By economic sector continued Berdasarkan kolektibilitas Bank Indonesia By Bank Indonesia collectibility Pinjaman Non-performing loans and allowance for
c. Berdasarkan sektor ekonomi lanjutan
c. By economic sector continued
2013 2012 Mata uang asing Foreign currencies Pertambangan 12,342,618 9,214,004 Mining Jasa dunia usaha 6,685,512 2,831,624 Business services Perindustrian 6,280,996 5,337,069 Manufacturing Listrik, gas dan air 5,556,415 2,885,050 Electricity, gas and water Perdagangan, restoran dan hotel 1,954,168 1,461,587 Trading, restaurants and hotels Pengangkutan, pergudangan Transportation, warehousing dan komunikasi 635,556 299,690 and communications Konstruksi 335,258 49,702 Construction Pertanian 133,900 543,631 Agriculture Jasa pelayanan sosial 57,588 68,893 Social services Lain-lain 4,353,978 2,993,356 Others 38,335,989 25,684,606 Total 250,637,843 200,742,305 Total Cadangan kerugian Allowance for penurunan nilai 6,880,036 6,907,635 impairment losses Neto 243,757,807 193,834,670 Netd. Berdasarkan kolektibilitas Bank Indonesia
d. By Bank Indonesia collectibility
2013 2012 Pokok Principal Cadangan kerugian penurunan nilai Allowance for impairment losses Pokok Principal Cadangan kerugian penurunan nilai Allowance for impairment losses Lancar 238,073,767 1,311,743 188,191,805 2,025,455 Pass Dalam perhatian khusus 7,143,033 1,558,626 6,913,686 775,979 Special mention Kurang lancar 546,276 171,048 641,351 201,168 Substandard Diragukan 736,350 415,611 666,263 396,658 Doubtful Macet 4,138,417 3,423,008 4,329,200 3,508,375 Loss 250,637,843 6,880,036 200,742,305 6,907,635e. Pinjaman
bermasalah dan cadangan kerugian penurunan nilai berdasarkan sektor ekonomie. Non-performing loans and allowance for
impairment losses by economic sector 2013 2012 Pokok Principal Cadangan kerugian penurunan nilai Allowance for impairment losses Pokok Principal Cadangan kerugian penurunan nilai Allowance for impairment losses Perindustrian 1,206,500 1,120,853 1,937,045 1,553,086 Manufacturing Perdagangan, Trading, restaurants restoran dan hotel 1,503,097 959,632 1,218,984 818,489 and hotels Konstruksi 605,174 531,612 537,750 445,670 Construction Pertanian 511,507 411,963 478,680 301,281 Agriculture Jasa dunia usaha 395,746 245,542 315,404 226,264 Business services Jasa pelayanan sosial 117,707 112,540 251,461 239,832 Social services Pengangkutan, pergudangan Transportation, warehousing dan komunikasi 101,635 72,098 72,253 46,711 and communications Pertambangan 133,282 126,928 37,161 28,904 Mining Listrik, gas dan air 3,893 1,862 2,427 1,422 Electricity, gas and water Lain-lain 842,502 426,637 785,649 444,542 Others Total 5,421,043 4,009,667 5,636,814 4,106,201 Total 401 L T h BNI CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2013 DAN 2012 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2013 AND 2012 Expressed in millions of Rupiah, unless otherwise stated 12. PINJAMAN YANG DIBERIKAN lanjutan 12. LOANS continuedParts
» Bank Negara Indonesia Tbk 2013
» Penggantian Anggota Dewan Komisaris dan Pengangkatan Anggota Direksi Penetapan Akuntan Publik
» Pemberian Kredit Organisasi dan Sumber Daya Manusia
» Persetujuan Rencana Bisnis Bank RBB dan Laporan Pengawasan Realisasi RBB
» Risiko Operasional Pandu Djajanto
» Risiko Likuiditas Risiko Hukum
» Risiko Stratejik Pandu Djajanto
» Risiko Kepatuhan Pandu Djajanto
» Risiko Reputasi Pandu Djajanto
» Firman Wibowo Bank Negara Indonesia Tbk 2013
» Pendirian Bank Establishment of the Bank
» Rekapitalisasi lanjutan Recapitalization continued Kuasi-reorganisasi Quasi-reorganisation
» Organisasi Organizational and Management Structure
» Entitas Anak Subsidiaries GENERAL INFORMATION continued
» Entitas Anak lanjutan Subsidiaries continued
» Dasar Basis of preparation of the consolidated
» Perubahan kebijakan akuntansi lanjutan Changes in accounting policies continued
» Aset dan liabilitas keuangan lanjutan Financial assets and liabilities continued
» Prinsip konsolidasian Principles of consolidation
» Transaksi dalam mata uang asing dan
» Instrumen keuangan derivatif lanjutan Derivative financial instruments continued
» Pinjaman yang diberikan lanjutan Loans continued
» Liabilitas segera Obligations due immediately Simpanan nasabah Deposits from customers
» Simpanan nasabah lanjutan Deposits from customers continued
» Simpanan dari bank lain Deposits from other banks
» Kontrak asuransi Insurance contract
» Kontrak asuransi lanjutan Insurance contract continued
» Perpajakan lanjutan Taxation continued
» IKHTISAR SUMMARY Pandu Djajanto
» PENGGUNAAN USE OF CRITICAL ACCOUNTING ESTIMATES
» KAS CASH KAS lanjutan CASH continued GIRO PADA BANK INDONESIA CURRENT ACCOUNTS WITH BANK INDONESIA
» Berdasarkan jenis dan mata uang lanjutan
» Berdasarkan jenis dan mata uang lanjutan By type and currency continued
» Berdasarkan peringkat lanjutan By rating continued
» Berdasarkan jenis dan mata uang By type and currency
» Fasilitas pembiayaan dengan perusahaan Informasi Other significant information relating to
» ASET LAIN-LAIN –NETO OTHER ASSETS – NET
» ASET TETAP lanjutan FIXED ASSETS continued
» Beban pajak lanjutan Tax expense continued
» Beban pajak lanjutan Tax expense continued Aset pajak tangguhan - neto Deferred tax assets - net
» Berdasarkan jenis lanjutan By type continued
» LIABILITAS LAIN-LAIN OTHER LIABILITIES MODAL SAHAM SHARE CAPITAL AND ADDITIONAL PAID-IN CAPITAL
» MODAL SAHAM SHARE CAPITAL AND ADDITIONAL PAID-IN CAPITAL continued
» PENGGUNAAN LABA NETO APPROPRIATION OF NET INCOME
» BEBAN UMUM DAN ADMINISTRASI GENERAL AND ADMINISTRATIVE EXPENSES IMBALAN KERJA EMPLOYEE BENEFITS
» IMBALAN KERJA lanjutan EMPLOYEE BENEFITS continued
» Type of relationships and related parties
» Type of relationships and related parties Pinjaman yang diberikan Loans
» INFORMASI SEGMEN lanjutan SEGMENT INFORMATION continued
» INFORMASI SEGMEN lanjutan SEGMENT INFORMATION continued MANAJEMEN RISIKO RISK MANAGEMENT
» MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued
» MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued RISIKO KREDIT CREDIT RISK
» RISIKO KREDIT lanjutan CREDIT RISK continued
» RISIKO LIKUIDITAS LIQUIDITY RISK
» RISIKO LIKUIDITAS lanjutan LIQUIDITY RISK continued RISIKO PASAR MARKET RISK
» RISIKO PASAR lanjutan MARKET RISK continued
» RISIKO OPERASIONAL OPERATIONAL RISK
» RISIKO OPERASIONALlanjutan OPERATIONAL RISK continued
» NILAI WAJAR FAIR VALUE OF FINANCIAL ASSETS AND LIABILITIES continued
» NILAI WAJAR FAIR VALUE OF FINANCIAL ASSETS AND LIABILITIES continued NILAI WAJAR
» FAIR VALUE OF FINANCIAL ASSETS AND LIABILITIES continued
» MANAJEMEN MODAL CAPITAL MANAGEMENT
» AKTIVITAS JASA LAINNYA OTHER ACTIVITIES
» AKTIVITAS JASA LAINNYA lanjutan OTHER ACTIVITIES continued
» RENCANA BARANG MODAL CAPITAL EXPENDITURE COMMITMENTS PROGRAM PENGGANTI MANAGEMENT -
» PROGRAM PENGGANTI MANAGEMENT - Pandu Djajanto
» PROGRAM PENGGANTI MANAGEMENT - KREDIT KELOLAAN CHANNELING LOANS
» NILAI TERCATAT INSTRUMEN KEUANGAN THE CARRYING AMOUNT OF FINANCIAL
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