RISIKO LIKUIDITAS lanjutan LIQUIDITY RISK continued RISIKO PASAR MARKET RISK

471 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 45. RISIKO LIKUIDITAS lanjutan 45. LIQUIDITY RISK continued 2012 Kurang dari Lebih dari 1 Bulan 1 - 3 3 - 6 6 - 12 12 Bulan Less than Bulan Bulan Bulan More than 1 Month Months Months Months 12 Months Total LIABILITAS LIABILITIES Liabilitas segera 2,770,254 - - - - 2,770,254 Obligations due immediately Simpanan nasabah 111,688,460 12,097,396 6,509,325 8,562,328 119,871,986 258,729,495 Deposits from customers Simpanan dari bank lain 3,380,618 688,271 928,978 45,255 15,633 5,058,755 Deposits from other banks Liabilitas derivatif 454,647 17,136 17,136 17,136 68,546 574,601 Derivatives payable Liabilitas akseptasi 4,624,501 - - - - 4,624,501 Acceptances payable Efek-efek yang diterbitkan - - 99,387 99,387 5,514,457 5,713,231 Securities issued Pinjaman yang diterima 742,937 1,563,397 3,075,462 982,061 2,385,905 8,749,762 Borrowings Liabilitas lain-lain 532,753 197,356 125,452 7,349 142,566 1,005,476 Other liabilities Total 124,194,170 14,563,556 10,755,740 9,713,516 127,999,093 287,226,075 Total Total aset 66,675,016 20,711,491 503,188 5,833,174 10,535,964 104,258,833 Total assets KOMITMEN DAN COMMITMENT AND KONTINJENSI CONTINGENCIES Fasilitas kredit kepada debitur yang belum digunakan 30,591,119 - - - - 30,591,119 Unused loan facilities Irrevocable letter of credit Outstanding irrevocable yang masih berjalan 9,746,332 - - - - 9,746,332 letters of credit Garansi yang diterbitkan 20,288,498 - - - - 20,288,498 Guarantees issued Total 60,625,949 - - - - 60,625,949 Total Liabilitas lain-lain terdiri dari biaya yang masih harus dibayar, setoran jaminan dan lainnya. Other liabilities consist of accrued expenses, guarantee deposits and others. 46. RISIKO PASAR 46. MARKET RISK Risiko Pasar adalah risiko kerugian yang timbul akibat perubahan faktor pasar yang tidak sesuai atas posisi yang diambil oleh BNI baik pada posisi aset dan liabilitas keuangan dan rekening administratif. Risiko Pasar melekat pada hampir seluruh aktivitas Bank, baik trading book maupun banking book yang mencakup Risiko Suku Bunga dan Risiko Nilai Tukar. Market risk is the risk of loss due to the adverse volatility of market price movements against BNI’s financial assets and liabilities on balance sheet including administrative accounts off balance sheet. Market risk is embedded in the Bank’s business activities, both in trading and banking books, which cover Interest Rate risks and Foreign Exchange risks. Pengelolaan Risiko Pasar BNI dilakukan melalui koordinasi beberapa Divisi terkait, yaitu Divisi Enterprise Risk Management Divisi ERM dan Unit Policy Governance Unit PGV yang bertanggung jawab kepada Direktur Enterprise Risk Management Dir. ER, Divisi Tresuri Divisi TRS dan Kantor Cabang Luar Negeri dengan supervisi Divisi Internasional Divisi INT yang bertanggung jawab kepada Direktur Tresuri dan Financial Institution Dir. TS. Dalam mengelola Risiko Pasar, Direksi didukung oleh Risk Management Committee RMC dan Komite Aset dan Liabilitas ALCO serta dalam pengawasannya didukung oleh Komisaris melalui Komite Pemantau Risiko. Market Risk Management is done through coordination with BNI’s several related divisions such as: Enterprise Risk Management Division ERM and Policy Governance Unit PGV which report to the Director of Enterprise Risk Management; and Treasury Division TRS as well as Overseas branches supervised by the International Division INT which report to the Director of Treasury and Financial Institution. The Market Risk Management is also supported by Risk Management Committee RMC and Assets and Liabilities Committee ALCO and supervised by the Board of Commissioners through the Risk Monitoring Committee. 472 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 46. RISIKO PASAR lanjutan 46. MARKET RISK continued