Pinjaman Non-performing loans and allowance for Tingkat suku bunga per tahun Annual interest rates Pinjaman yang direstrukturisasi Restructured loans
e. Pinjaman
bermasalah dan cadangan kerugian penurunan nilai berdasarkan sektor ekonomi lanjutane. Non-performing loans and allowance for
impairment losses by economic sector continued Rasio kredit bermasalah BNI dan Entitas Anak secara gross sebelum dikurangi cadangan kerugian penurunan nilai pada tanggal 31 Desember 2013 dan 2012 masing-masing sebesar 2,16 dan 2,81 rasio untuk BNI saja 2,17 dan 2,84 masing-masing pada tanggal 31 Desember 2013 dan 2012, sedangkan rasio kredit bermasalah BNI dan Entitas Anak secara neto pada tanggal 31 Desember 2013 dan 2012 masing-masing sebesar 0,56 dan 0,76 rasio untuk BNI saja 0,55 dan 0,75 masing-masing pada tanggal 31 Desember 2013 dan 2012. The non-performing loans ratio of BNI and Subsidiaries on a gross basis, before deducting the allowance for impairment losses, as of 31 December 2013 and 2012, were 2.16 and 2.81, respectively the ratios for BNI only were 2.17 and 2.84 as of 31 December 2013 and 2012, respectively, while the non-performing loans ratio of BNI and Subsidiaries on a net basis as of 31 December 2013 and 2012, were 0.56 and 0.76, respectively the ratios for BNI only were 0.55 and 0.75 as of 31 December 2013 and 2012, respectively.f. Tingkat suku bunga per tahun
f. Annual interest rates
Dolar Amerika Serikat United States Dolar Singapura Rupiah Dollar Euro Singapore Dollar Bunga kontrak Contractual rates 2013 4.00 - 36.78 1.19 - 9.75 LIBOR+1.80 1.98 - 7.50 2013 2012 1.00 - 48.00 1.18 - 9.41 LIBOR+1.80 6.50 - 7.50 2012 Bunga efektif Effective interest rate 2013 6.66 - 47.18 0.81 - 13.48 LIBOR+1.80 6.58 - 7.61 2013 2012 1.00 - 48.00 1.18 - 9.41 LIBOR+1.80 6.50 - 7.50 2012g. Pinjaman yang direstrukturisasi
g. Restructured loans
Berikut ini adalah jenis dan jumlah kredit yang telah direstrukturisasi per 31 Desember 2013 dan 2012: Below is the type and amount of restructured loans as of 31 December 2013 and 2012: 2013 2012 Perpanjangan jangka waktu kredit 1,105,771 1,433,397 Extension of loan maturity dates Perpanjangan jangka waktu dan penurunan suku bunga Extension of loan maturity dates and kredit 443,410 588,858 reduction of interest rates Perpanjangan jangka waktu kredit, penurunan suku Extension of loan maturity dates, bunga kredit, dan program reduction of interest rates and restrukturisasi lain-lain 5,349,998 5,423,357 other restructuring programs Total 6,899,179 7,445,612 Total Cadangan kerugian Allowance for penurunan nilai 2,131,103 1,591,605 impairment losses Neto 4,768,076 5,854,007 Net Program restrukturisasi lain-lain terutama terdiri dari penambahan fasilitas kredit, Perjanjian Pengakuan Utang PPH dan Interest Balloon Payment IBP. Other restructuring amounts mainly involved additions for loan facilities, debt recognition agreements PPH and Interest Balloon Payments IBP. 402 2013 Annual Report BNI DAN ENTITAS ANAKAND SUBSIDIARIES 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 12. PINJAMAN YANG DIBERIKAN lanjutan 12. LOANS continuedParts
» Loan Disbursement Organization and Human Resources
» 130.2 8.9 The approval on BNI Business Plan RBB and RBB Supervision Report
» 14.17 The approval on BNI Business Plan RBB and RBB Supervision Report
» Operational Risk Pandu Djajanto
» Strategic Risk Pandu Djajanto
» Compliance Risk Pandu Djajanto
» Reputational Risk Pandu Djajanto
» Firman Wibowo bni ar 2013 th
» Pendirian Bank Establishment of the Bank
» Rekapitalisasi lanjutan Recapitalization continued Kuasi-reorganisasi Quasi-reorganisation
» Organisasi Organizational and Management Structure
» Entitas Anak Subsidiaries GENERAL INFORMATION continued
» Entitas Anak lanjutan Subsidiaries continued
» Dasar Basis of preparation of the consolidated
» Perubahan kebijakan akuntansi lanjutan Changes in accounting policies continued
» Aset dan liabilitas keuangan lanjutan Financial assets and liabilities continued
» Prinsip konsolidasian Principles of consolidation
» Transaksi dalam mata uang asing dan
» Efek-efek dan Obligasi Pemerintah lanjutan Marketable Efek-efek yang dibelidijual dengan janji
» Instrumen keuangan derivatif lanjutan Derivative financial instruments continued
» Pinjaman yang diberikan lanjutan Loans continued
» Liabilitas segera Obligations due immediately Simpanan nasabah Deposits from customers
» Simpanan nasabah lanjutan Deposits from customers continued
» Simpanan dari bank lain Deposits from other banks
» Kontrak asuransi Insurance contract
» Kontrak asuransi lanjutan Insurance contract continued
» Perpajakan lanjutan Taxation continued
» IKHTISAR SUMMARY Pandu Djajanto
» PENGGUNAAN USE OF CRITICAL ACCOUNTING ESTIMATES
» KAS CASH KAS lanjutan CASH continued GIRO PADA BANK INDONESIA CURRENT ACCOUNTS WITH BANK INDONESIA
» Berdasarkan jenis dan mata uang lanjutan
» Berdasarkan jenis dan mata uang lanjutan By type and currency continued
» Berdasarkan peringkat lanjutan By rating continued
» Berdasarkan jenis dan mata uang By type and currency
» Fasilitas pembiayaan dengan perusahaan Informasi Other significant information relating to
» ASET LAIN-LAIN –NETO OTHER ASSETS – NET
» ASET TETAP lanjutan FIXED ASSETS continued
» Beban pajak lanjutan Tax expense continued
» Beban pajak lanjutan Tax expense continued Aset pajak tangguhan - neto Deferred tax assets - net
» Berdasarkan jenis lanjutan By type continued
» LIABILITAS LAIN-LAIN OTHER LIABILITIES MODAL SAHAM SHARE CAPITAL AND ADDITIONAL PAID-IN CAPITAL
» MODAL SAHAM SHARE CAPITAL AND ADDITIONAL PAID-IN CAPITAL continued
» PENGGUNAAN LABA NETO APPROPRIATION OF NET INCOME
» BEBAN UMUM DAN ADMINISTRASI GENERAL AND ADMINISTRATIVE EXPENSES IMBALAN KERJA EMPLOYEE BENEFITS
» IMBALAN KERJA lanjutan EMPLOYEE BENEFITS continued
» Type of relationships and related parties
» Type of relationships and related parties Pinjaman yang diberikan Loans
» INFORMASI SEGMEN lanjutan SEGMENT INFORMATION continued
» INFORMASI SEGMEN lanjutan SEGMENT INFORMATION continued MANAJEMEN RISIKO RISK MANAGEMENT
» MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued
» MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued RISIKO KREDIT CREDIT RISK
» RISIKO KREDIT lanjutan CREDIT RISK continued
» RISIKO LIKUIDITAS LIQUIDITY RISK
» RISIKO LIKUIDITAS lanjutan LIQUIDITY RISK continued RISIKO PASAR MARKET RISK
» RISIKO PASAR lanjutan MARKET RISK continued
» RISIKO OPERASIONAL OPERATIONAL RISK
» RISIKO OPERASIONALlanjutan OPERATIONAL RISK continued
» NILAI WAJAR FAIR VALUE OF FINANCIAL ASSETS AND LIABILITIES continued
» NILAI WAJAR FAIR VALUE OF FINANCIAL ASSETS AND LIABILITIES continued NILAI WAJAR
» FAIR VALUE OF FINANCIAL ASSETS AND LIABILITIES continued
» MANAJEMEN MODAL CAPITAL MANAGEMENT
» AKTIVITAS JASA LAINNYA OTHER ACTIVITIES
» AKTIVITAS JASA LAINNYA lanjutan OTHER ACTIVITIES continued
» RENCANA BARANG MODAL CAPITAL EXPENDITURE COMMITMENTS PROGRAM PENGGANTI MANAGEMENT -
» PROGRAM PENGGANTI MANAGEMENT - Pandu Djajanto
» PROGRAM PENGGANTI MANAGEMENT - KREDIT KELOLAAN CHANNELING LOANS
» NILAI TERCATAT INSTRUMEN KEUANGAN THE CARRYING AMOUNT OF FINANCIAL
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