CREDIT RISK continued bni ar 2015 th

DAN ENTITAS ANAKAND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2015 DAN 2014 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2015 AND 2014 Expressed in millions of Rupiah, unless otherwise stated Halaman - 180 - Page 50. RISIKO LIKUIDITAS

50. LIQUIDITY RISK

Pengelolaan dan pemantauan posisi likuiditas BNI berada dalam tanggung jawab Divisi Tresuri. Untuk memenuhi kebutuhan likuiditas BNI, Primary Reserve dijaga dalam bentuk giro pada Bank Indonesia agar memenuhi ketentuan Bank Indonesia. The management and monitoring of BNI’s liquidity position is under the responsibility of the Treasury Division. For BNI ’s liquidity purposes, Primary Reservesare maintained in the form of current accounts with Bank Indonesia to comply with Bank Indonesia regulations. Selain itu ditetapkan pula jumlah pagu kas cabang dan Secondary Reserve yang ideal. Penetapan pagu kas cabang ditujukan agar cabang dapat memenuhi liabilitas jangka pendeknya berupa penarikan dana pihak ketiga, sekaligus menjaga kondisi kas cabang agar tidak idle. Secondary Reserve yang ideal ditetapkan sebagai dana untuk berjaga-jaga dan ditetapkan oleh Risk and Capital Committee BNI secara periodik. In addition, the branch cash limit and the ideal Secondary Reserve amounts are also determined. The purpose of the branch cash limit is to enable the branch to meet their short-term obligation in the form of withdrawals of third party funds and to avoid idle cash in the branches. An ideal Secondary Reserve is set up as a precautionary reserve and is determined periodically by BNI’s Risk and Capital Committee. Tabel di bawah ini menunjukkan sisa jatuh tempo kontraktual dari liabilitas keuangan berdasarkan pada undiscounted cash flows. The table below shows the remaining contractual maturities of the financial liabilities based on undiscounted cashflows. 2015 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 1,805,494 - - - - 1,805,494 Obligations due immediately Simpanan nasabah 98,252,493 29,295,389 7,327,511 10,563,866 210,291,080 355,730,339 Deposits from customers Simpanan dari bank lain 2,914,290 1,292,534 15,161 14,951 11,122 4,248,058 Deposits from other banks Liabilitas derivatif 1,161,557 - - - - 1,161,557 Derivatives payable Liabilitas akseptasi 1,596,434 2,084,019 1,595,841 911,964 - 6,188,258 Acceptances payable Efek-efek yang diterbitkan - 11,375 153,533 164,908 7,602,908 7,932,724 Securities issued Efek-efek yang dijual Securities sold under dengan janji dibeli kembali - - 341,920 18,119 2,803,103 3,163,142 agreements to repurchase Pinjaman yang diterima 98,004 1,126,544 327,219 3,951,109 22,710,123 28,212,999 Borrowings Liabilitas lain-lain 6,392,122 1,123 1,197 - 21,318 6,415,760 Other liabilities Total 112,220,394 33,810,984 9,762,382 15,624,917 243,439,654 414,858,331 Total Total aset 120,924,603 3,268,499 2,973,721 2,375,401 40,820,558 170,362,782 Total assets KOMITMEN DAN COMMITMENT AND KONTINJENSI CONTINGENCIES Fasilitas kredit kepada debitur yang belum digunakan 38,265,234 - - - - 38,265,234 Unused loan facilities Irrevocable letter of credit Outstanding irrevocable yang masih berjalan 2,143,049 1,466,361 1,217,011 2,360,510 1,960,715 9,147,646 letters of credit Garansi yang diterbitkan 8,920,920 3,873,832 6,023,900 8,894,496 18,011,340 45,724,488 Guarantees issued Total 49,329,203 5,340,193 7,240,911 11,255,006 19,972,055 93,137,368 Total Liabilitas lain-lain terdiri dari utang ke pemegang polis, setoran jaminan, nota kredit dalam penyelesaian, utang reasuransi dan komisi, serta utang nasabah Entitas Anak. Other liabilities consist of obligation to policy holders, guarantee deposits, credit memo in process, reinsurance payable and commission, and payable to customer - Subsidiary.. DAN ENTITAS ANAKAND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2015 DAN 2014 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2015 AND 2014 Expressed in millions of Rupiah, unless otherwise stated Halaman - 181 - Page 50. RISIKO LIKUIDITAS lanjutan

50. LIQUIDITY RISK continued

2014 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 1,813,065 - - - - 1,813,065 Obligations due immediately Simpanan nasabah 95,215,757 20,380,936 9,777,605 7,855,081 203,217,530 336,446,909 Deposits from customers Simpanan dari bank lain 2,362,657 15,545 11,570 7,782 4,317 2,401,871 Deposits from other banks Liabilitas derivatif 661,609 - - - - 661,609 Derivatives payable Liabilitas akseptasi 3,012,167 1,077,381 2,312,215 66,840 - 6,468,603 Acceptances payable Efek-efek yang diterbitkan - - 127,720 127,720 6,575,662 6,831,102 Securities issued Efek-efek yang dijual Securities sold under dengan janji dibeli kembali - - - - 2,491,931 2,491,931 agreements to repurchase Pinjaman yang diterima 86,392 2,521,472 47,373 574,761 9,366,458 12,596,456 Borrowings Liabilitas lain-lain 4,690,725 - - - - 4,690,725 Other liabilities Total 107,842,372 23,995,334 12,276,483 8,632,184 221,655,898 374,402,271 Total Total aset 58,042,001 287,726 823,630 3,770,683 77,274,876 140,198,916 Total assets KOMITMEN DAN COMMITMENTS AND KONTINJENSI CONTINGENCIES Fasilitas kredit kepada debitur yang belum digunakan 38,667,132 - - - - 38,667,132 Unused loan facilities Irrevocable letter of credit Outstanding irrevocable yang masih berjalan 2,749,243 1,972,998 1,986,106 1,613,833 461,654 8,783,834 letters of credit Garansi yang diterbitkan 6,261,590 3,906,743 4,931,716 6,989,491 13,541,939 35,631,479 Guarantees issued Total 47,677,965 5,879,741 6,917,822 8,603,324 14,003,593 83,082,445 Total Liabilitas lain-lain terdiri dari utang ke pemegang polis, setoran jaminan, nota kredit dalam penyelesaian, utang reasuransi dan komisi, serta utang nasabah Entitas Anak. Other liabilities consist of obligation to policy holders, guarantee deposits, credit memo in process, reinsurance payable and commission, and payable to customer - Subsidiary.. 51. RISIKO PASAR 51. 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 Manajemen Risiko Bank Divisi ERM dan Divisi Tata Kelola Perusahaan Divisi PGV yang bertanggung jawab kepada Direktur Kepatuhan Risiko Perusahaan Dir. KN, Divisi Tresuri Divisi TRS dan Kantor Cabang Luar Negeri dalam pengawasan Divisi Internasional Divisi INT yang bertanggung jawab kepada Direktur Keuangan Dir. KU. 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 Division PGV which report to the Director of Compliance Enterprise Risk Management; and Treasury Division TRS as well as Overseas branches supervised by the International Division INT which report to the Director of Finance. 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.