INFORMASI SEGMEN lanjutan SEGMENT INFORMATION continued MANAJEMEN RISIKO RISK MANAGEMENT

461 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 42. INFORMASI SEGMEN lanjutan 42. SEGMENT INFORMATION continued 2012 Indonesia New York Eropa Europe Asia Penyesuaian dan eliminasi Adjustment and elimination Konsolidasi Consolidated Pendapatan bunga dan pendapatan syariah - neto Pendapatan operasional lainnya Pembentukan cadangan kerugian penurunan nilai Beban operasional lainnya 15,225,482 8,369,419 2,493,914 12,374,355 25,099 37,835 190 53,373 44,736 43,673 - 61,863 163,674 142,826 30,573 249,513 - 147,940 - - 15,458,991 8,445,813 2,524,677 12,739,104 Interest income and sharia income - net Other operating income Allowance for impairment losses Other operating expense Laba operasional Pendapatanbeban bukan operasional - neto 8,726,632 226,931 9,371 613 26,546 84 26,414 31,079 147,940 - 8,641,023 258,539 Operating income Non operating income expenses - net Laba sebelum beban pajak Beban pajak 8,953,563 1,851,200 9,984 - 26,462 - 57,493 - 147,940 - 8,899,562 1,851,200 Income before tax expense Tax expense Laba bersih 7,102,363 9,984 26,462 57,493 147,940 7,048,362 Net income Total aset 316,277,180 2,287,377 3,692,784 11,046,165 - 333,303,506 Total assets Total liabilitas 273,092,415 2,354,960 3,689,491 10,641,349 - 289,778,215 Total liabilities 43. MANAJEMEN RISIKO 43. RISK MANAGEMENT Penerapan Manajemen risiko di BNI berpedoman pada Peraturan Bank Indonesia PBI tentang Penerapan Manajemen Risiko bagi Bank Umum dan dokumen dari Basel Committee on Banking Supervision. Manajemen Risiko didasari oleh kebutuhan akan keseimbangan fungsi bisnis dengan pengelolaan risiko. Manajemen risiko menjadi strategic partner dari unit bisnis untuk mengoptimalkan pendapatan dari operasional entitas. Implementation of risk management in BNI is based on Bank Indonesia’s regulations PBI which govern the Risk Management Implementation of Commercial Banks, and document of Basel Committee on Banking Supervision. The risk management is based on the need to balance between the business functions and risk management. Risk management is a strategic partner of the existing business units to optimize returns from the entity’s operations. Dalam mengimplementasikan manajemen risiko dilakukan melalui 4 empat pilar penerapan manajemen risiko yaitu : Pengawasan Aktif Dewan Komisaris dan Direksi; Kecukupan Kebijakan, Prosedur dan Penetapan Limit; Proses Manajemen Risiko dan Sistem Informasi Manajemen Risiko serta Sistem Pengendalian Intern. Penerapan manajemen risiko di BNI secara umum terangkum dalam kerangka framework manajemen risiko. Kerangka manajemen risiko ini dituangkan dalam kebijakan, prosedur, limit-limit transaksi, kewenangan dan ketentuan lain serta diaplikasikan dalam perangkat manajemen risiko, yang berlaku di seluruh lingkup aktivitas usaha. Risk management implemented by 4 four pillars of risk management : Active Control from Board of Commissioners and Board of Directors; Policies, Procedures and Limit; Risk Management Process and Risk Management Information Systems and Internal Control Systems. Implementation of risk management in BNI is undertaken within risk management framework. Risk management framework is outlined in the policies, procedures, transaction limits, authorities and other regulations and applied in the tools of risk management, which is applicable in the whole scope of business activities. 462 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 43. MANAJEMEN RISIKO lanjutan 43. RISK MANAGEMENT continued