MODAL SAHAM CAPITAL STOCK

Indonesian language. PT BANK BNI SYARIAH CATATAN ATAS LAPORAN KEUANGAN Periode dari 22 Maret 2010 tanggal pendirian sampai dengan 31 Desember 2010 Disajikan dalam Jutaan Rupiah PT BANK BNI SYARIAH NOTES TO THE THE FINANCIAL STATEMENTS Period from March 22, 2010 inception through December 31, 2010 Expressed in million of Rupiah 58

29. HAK PIHAK KETIGA ATAS BAGI HASIL DANA SYIRKAH TEMPORER

29. THIRD PARTIES’ SHARE ON RETURN OF TEMPORARY SYIRKAH FUNDS

Hak pihak ketiga atas bagi hasil dana syirkah temporer terdiri atas: Third parties’ share on return of temporary syirkah funds consist of: 2010 Deposito mudharabah 108.370 Mudharabah time deposits Tabungan mudharabah 31.736 Mudharabah saving deposits 140.106 30. PENDAPATAN OPERASIONAL LAINNYA 30. OTHER OPERATING INCOME Pendapatan operasional lainnya terdiri dari: Other operating income consist of: 2010 Provisi dan komisi 11.996 Fees and commissions Jasa administrasi 8.456 Administration fees Lain-lain 3.968 Others 24.420 31. BEBAN GAJI DAN TUNJANGAN 31. SALARIES AND BENEFITS Beban gaji dan tunjangan terdiri dari: Salaries and benefits consist of: 2010 Gaji dan upah 39.036 Salaries and wages Tunjangan karyawan 35.499 Employee allowances Pendidikan dan pelatihan 2.745 Education and training 77.280 32. BEBAN UMUM DAN ADMINISTRASI 32. GENERAL AND ADMINISTRATIVE EXPENSES Beban umum dan administrasi terdiri dari: General and administrative expenses consist of: 2010 Promosi 16.229 Promotion Sewa 13.960 Rent Outsourcing 9.598 Outsourcing Penyusutan aset tetap Catatan 13 3.523 Depreciation of fixed assets Note 13 Pemeliharaan dan perbaikan 3.522 Service and maintenance Keperluan kantor 2.182 Office supplies Listrik, air, dan gas 2.181 Electricity, water and gas Komunikasi 1.884 Communication Perjalanan dinas 1.589 Business travel Honorarium tenaga ahli 915 Experts fees Transportasi 543 Transportation Asuransi 431 Insurance Lain-lain 8.189 Others 64.746 Lain-lain terdiri dari biaya pekerjaan dan pelayanan kantor, dan beban operasional lainnya. Others consist of operating expenses, office services and other operational expense. Indonesian language. PT BANK BNI SYARIAH CATATAN ATAS LAPORAN KEUANGAN Periode dari 22 Maret 2010 tanggal pendirian sampai dengan 31 Desember 2010 Disajikan dalam Jutaan Rupiah PT BANK BNI SYARIAH NOTES TO THE THE FINANCIAL STATEMENTS Period from March 22, 2010 inception through December 31, 2010 Expressed in million of Rupiah 59

33. BEBAN PENYISIHAN

KERUGIAN ASET PRODUKTIF 33. PROVISIONS FOR POSSIBLE LOSSES ON EARNING ASSETS Beban penyisihan kerugian aset produktif terdiri dari: Provision reversal of allowance for possible losses on earning assets, consists of: 2010 Giro pada bank lain Catatan 5 1.537 Current account with other bank Note 5 Penempatan pada bank lain Catatan 6 50 Placements with other banks Note 6 Investasi pada efeksurat berharga Catatan 7 163 Investment in securitiesmarketable securities Note 7 Piutang murabahah Catatan 8 55.710 Murabahah Receivables Note 8 Pinjaman qardh Catatan 9 3.120 Funds of Qardh Note 9 Pembiayaan mudharabah Catatan 10 5.822 Mudharabah Financing Note 10 Pembiayaan musyarakah Catatan 11 30.459 Musyarakah FInancing Note 11 Estimasi kerugian komitmen dan kontinjensi Estimated losses on commitments and contingencies Catatan 35 104 Note 35 96.331 34. PENDAPATAN NON-OPERASIONAL - BERSIH 34. NON-OPERATING INCOME - NET 2010 Pendapatan non-operasional 1.275 Non-operating income Beban non-operasional 626 Non-operating expenses Jumlah pendapatan non-operasional bersih 649 Total non-operating income - net

35. INFORMASI MENGENAI

KOMITMEN DAN KONTINJENSI 35. COMMITMENTS AND CONTINGENCIES INFORMATIONS a. Bank memiliki tagihan dan kewajiban komitmen dan kontinjensi sebagai berikut: a. The Bank has receivables and payables on commitments and contingencies as follows: 2010 Fasilitas pembiayaan kepada nasabah yang Unused financing facilities belum digunakan 172.897 Irrevocable letters of credit yang masih berjalan 25.892 Oustanding Irrevocable letters of credit Kewajiban Komitmen 198.789 Commitments Payable Pendapatan dalam penyelesaian 4.980 Income from non-performing receivablesfinancing Lainnya 37 Others Tagihan Kontinjensi 5.017 Contingencies Receivable Garansi yang diterbitkan dalam bentuk: Guarantees issued in the form of: Pihak yang mempunyai hubungan istimewa Related parties Performance bonds Catatan 38 362 Performance bonds Note 38 Pihak ketiga Third parties Performance bonds 7.903 Performance bonds Bid bonds 581 Bid bonds Garansi bank lainnya 4.110 Other Bank guarantees Kewajiban kontinjensi 12.956 Contingencies Payable