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.