ASET TETAP lanjutan FIXED ASSETS continued LIABILITAS SEGERA OBLIGATIONS DUE IMMEDIATELY

527 Laporan฀Tahunan฀2012฀•฀ BNI PT BANK NEGARA INDONESIA PERSERO Tbk DAN ENTITAS ANAKAND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2012 DAN 2011 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2012 AND 2011 Expressed in millions of Rupiah, unless otherwise stated 18. ASET TETAP lanjutan 18. FIXED ASSETS continued Aset tetap Bank pada tanggal 31 Desember 2012 diasuransikan terhadap risiko kebakaran dan pencurian dengan nilai pertanggungan sebesar Rp5.377.921 31 Desember 2011: Rp2.350.067. Manajemen berpendapat bahwa nilai pertangungan tersebut cukup untuk menutupi kemungkinan kerugian atas aset tersebut. As at 31 December 2012, the fixed assets of the Bank were insured against risk of fire and theft with sum insured amounting to Rp5,377,921 31 December 2011: Rp2,350,067. Management believes that the sum insured is adequate to cover possible losses on the assets insured. Estimasi persentase tingkat penyelesaian aset dalam penyelesaian pada tanggal 31 Desember 2012 adalah berkisar 20 - 95. The estimated percentage of completion of construction in progress as at 31 December 2012 is ranging between 20 - 95. Penilaian pada nilai wajar tanah dan bangunan yang dimiliki Bank pada tanggal 31 Desember 2012 adalah dengan menggunakan nilai dari Nilai Jual Obyek Pajak NJOP. NJOP dianggap sebagai estimasi terbaik yang mencerminkan nilai wajar. Pada tanggal 31 Desember 2012, NJOP tanah dan bangunan yang dimiliki Bank masing-masing bernilai Rp3.169.596 dan Rp1.149.249. Selain tanah dan bangunan, tidak ada perbedaan yang signifikan antara nilai wajar aset tetap dengan nilai tercatatnya. Estimated fair value of land and buildings owned by the Bank as at 31 December 2012 are determined using value of Sales Value of Tax Object NJOP. NJOP is regarded as the best estimates which reflect the fair value. As at 31 December 2012, the NJOP of land and buildings owned by the Bank are Rp3,169,596 and Rp1,149,249, respectively. Other than land and buildings, there are no significant difference between the estimated fair value and carrying value of fixed assets. Tidak ada aset tetap yang dijaminkan. There were no fixed assets pledged as collateral. 19. LIABILITAS SEGERA 19. OBLIGATIONS DUE IMMEDIATELY Liabilitas segera terdiri dari kiriman uang, dana setoran cek, deposito yang sudah jatuh tempo tetapi belum diambil nasabah, transaksi kliring, setoran pajak yang diterima oleh BNI sebagai bank persepsi dan simpanan sementara yang belum diselesaikan. Obligations due immediately consist of money transfers, fund deposits for cheques, deposits matured but not yet collected by customers, items for clearing, tax collection received by BNI as a collecting bank and temporary deposit transactions not yet settled. 20. SIMPANAN NASABAH 20. DEPOSITS FROM CUSTOMERS