Berdasarkan sektor ekonomi lanjutan By economic sector continued Berdasarkan kolektibilitas Bank Indonesia By Bank Indonesia collectibility Pinjaman Non-performing loans and allowance for
c. Berdasarkan sektor ekonomi lanjutan
c. By economic sector continued
2014 2013 Mata uang asing Foreign currencies Pertambangan 14,652,013 12,342,618 Mining Perindustrian 6,759,686 6,280,996 Manufacturing Listrik, gas dan air 5,734,629 5,556,415 Electricity, gas and water Jasa dunia usaha 4,751,334 6,685,512 Business services Perdagangan, restoran dan hotel 2,124,700 1,954,168 Trading, restaurants and hotels Pertanian 835,660 133,900 Agriculture Pengangkutan, pergudangan Transportation, warehousing dan komunikasi 825,622 635,556 and communications Konstruksi 349,234 335,258 Construction Jasa pelayanan sosial - 57,588 Social services Lain-lain 4,971,615 4,353,978 Others 41,004,493 38,335,989 Total 277,622,281 250,637,843 Total Cadangan kerugian Allowance for penurunan nilai 6,970,295 6,880,036 impairment losses Neto 270,651,986 243,757,807 Netd. Berdasarkan kolektibilitas Bank Indonesia
d. By Bank Indonesia collectibility
2014 2013 Pokok Principal Cadangan kerugian penurunan nilai Allowance for impairment losses Pokok Principal Cadangan kerugian penurunan nilai Allowance for impairment losses Lancar 264,621,953 1,620,224 238,073,767 1,311,743 Pass Dalam perhatian khusus 7,563,588 1,102,881 7,143,033 1,558,626 Special mention Kurang lancar 391,745 194,158 546,276 171,048 Substandard Diragukan 851,119 539,641 736,350 415,611 Doubtful Macet 4,193,876 3,513,391 4,138,417 3,423,008 Loss 277,622,281 6,970,295 250,637,843 6,880,036e. Pinjaman
bermasalah dan cadangan kerugian penurunan nilai berdasarkan sektor ekonomie. Non-performing loans and allowance for
impairment losses by economic sector 2014 2013 Pokok Principal Cadangan kerugian penurunan nilai Allowance for impairment losses Pokok Principal Cadangan kerugian penurunan nilai Allowance for impairment losses Perdagangan, Trading, restaurants restoran dan hotel 1,643,560 1,193,482 1,503,097 959,632 and hotels Perindustrian 986,958 903,869 1,206,500 1,120,853 Manufacturing Konstruksi 536,405 482,801 605,174 531,612 Construction Jasa dunia usaha 440,204 337,297 395,746 245,542 Business services Pertanian 293,901 231,007 511,507 411,963 Agriculture Pertambangan 271,094 263,877 133,282 126,928 Mining Pengangkutan, pergudangan Transportation, warehousing dan komunikasi 225,113 170,712 101,635 72,098 and communications Jasa pelayanan sosial 25,346 18,844 117,707 112,540 Social services Listrik, gas dan air 6,762 3,315 3,893 1,862 Electricity, gas and water Lain-lain 1,007,397 641,986 842,502 426,637 Others Total 5,436,740 4,247,190 5,421,043 4,009,667 Total BNI Laporan Tahunan 2014 DAN ENTITAS ANAKAND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2014 DAN 2013 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2014 AND 2013 Expressed in millions of Rupiah, unless otherwise stated 12. PINJAMAN YANG DIBERIKAN lanjutan 12. LOANS continuedParts
» Penambahan Anggota Dewan Komisaris Penetapan Akuntan Publik Pemberian Kredit
» Optimalisasi Digital Learning Operasionalisasi Pelatihan yang terstandar dan Up to date
» Remunerasi yang kompetitif dan memacu kinerja
» Fleksibilitas Komunikasi Internalisasi Budaya Kerja
» Pengawasan Aktif Dewan Komisaris dan Direksi
» Sistem Pengendalian Intern bni ar 2014 th
» BNI Secara Individual bni ar 2014 th
» BNI Secara Konsolidasi ICAAP dan Stress Testing
» Peningkatan kapabilitas risiko operasional Optimalisasi portofolio kredit Risiko Kredit
» Risiko Likuiditas bni ar 2014 th
» Risiko Operasional bni ar 2014 th
» Risiko Hukum Tata Kelola dan Organisasi
» Risiko Stratejik Tata Kelola dan Organisasi
» Risiko Kepatuhan bni ar 2014 th
» Achil Ridwan Djayadiningrat Darminto Bambang Hendrajatin
» Tubagus Chairul Amachi bni ar 2014 th
» Fero Poerbonegoro Bangun Sarwito Kusmuljono Subardiah Ancella Anitawati Hermawan Hemawati
» Manajemen Auditor Eksternal Anggoro Eko Cahyo
» Satuan Pengawasan Internal Direktur Hukum Kepatuhan
» Firman Wibowo Dewan Komisaris
» Pandu Djajanto Dewan Komisaris
» 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
» Standar Aset dan liabilitas keuangan Financial assets and liabilities
» Aset dan liabilitas keuangan lanjutan Financial assets and liabilities continued
» 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 Loans
» Pinjaman yang diberikan lanjutan Loans continued
» Aset tetap dan penyusutan lanjutan Fixed assets and depreciation continued
» Simpanan nasabah Deposits from customers
» Simpanan dari bank lain Deposits from other banks Efek-efek yang diterbitkan Securities issued
» Pinjaman yang diterima Borrowings Dana syirkah temporer
» Dana syirkah temporer lanjutan Pendapatan Interest income and sharia income, interest
» Pendapatan Interest income and sharia income, interest
» Kontrak asuransi Insurance contract
» Kontrak asuransi lanjutan Insurance contract continued
» IKHTISAR SUMMARY bni ar 2014 th
» IKHTISAR SUMMARY PENGGUNAAN bni ar 2014 th
» PENGGUNAAN USE OF CRITICAL ACCOUNTING ESTIMATES
» KAS CASH GIRO PADA BANK INDONESIA CURRENT ACCOUNTS WITH BANK INDONESIA
» GIRO PADA BANK INDONESIA lanjutan CURRENT ACCOUNTS WITH BANK INDONESIA
» Berdasarkan jenis dan mata uang lanjutan By type and currency continued
» Berdasarkan jenis dan mata uang By type and currency
» Berdasarkan jenis dan mata uang lanjutan By type and currency continued Berdasarkan hubungan
» Berdasarkan penerbit By issuer Berdasarkan peringkat By rating
» Berdasarkan peringkat lanjutan By rating continued
» Berdasarkan hubungan By relationship Berdasarkan sektor ekonomi By economic sector
» Fasilitas pembiayaan dengan perusahaan Informasi Other significant information relating to
» PENYERTAAN SAHAM lanjutan EQUITY INVESTMENTS continued
» ASET LAIN-LAIN – NETO OTHER ASSETS – NET ASET TETAP FIXED ASSETS
» ASET TETAP lanjutan FIXED ASSETS continued
» Utang pajak Taxes payable Beban pajak Tax expense
» Beban pajak lanjutan Tax expense continued
» Aset pajak tangguhan - neto Deferred tax assets - net
» Surat ketetapan pajak Tax assessment letters
» DANA SYIRKAH DANA SYIRKAH DANA SYIRKAH TEMPORARY SYIRKAH
» DANA SYIRKAH DANA SYIRKAH 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
» IMBALAN KERJA lanjutan EMPLOYEE BENEFITS continued
» TRANSAKSI DENGAN RELATED PARTY TRANSACTIONS continued a.
» TRANSAKSI DENGAN TRANSAKSI DENGAN RELATED PARTY TRANSACTIONS continued c.
» 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
» MANAJEMEN MODAL CAPITAL MANAGEMENT MANAJEMEN MODAL lanjutan CAPITAL MANAGEMENT continued
» AKTIVITAS JASA LAINNYA OTHER ACTIVITIES
» AKTIVITAS JASA LAINNYA lanjutan OTHER ACTIVITIES continued
» RENCANA BARANG MODAL CAPITAL EXPENDITURE COMMITMENTS PROGRAM PENGGANTI MANAGEMENT -
» PROGRAM PENGGANTI MANAGEMENT - bni ar 2014 th
» PROGRAM PENGGANTI MANAGEMENT - KREDIT KELOLAAN CHANNELING LOANS
» NILAI TERCATAT INSTRUMEN KEUANGAN THE CARRYING AMOUNT OF FINANCIAL
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