FIXED ASSETS 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 - 118 - Page 20. SIMPANAN NASABAH lanjutan

20. DEPOSITS FROM CUSTOMERS continued a. Berdasarkan jenis dan mata uang lanjutan

a. By type and currency continued

2015 2014 Mata uang asing Foreign currencies Giro 30,735,635 28,092,395 Current accounts Tabungan 6,536,310 4,170,137 Savings account Deposito berjangka 22,899,387 10,995,360 Time deposits 60,171,332 43,257,892 Total 353,936,880 300,264,809 Total Perincian simpanan nasabah berdasarkan mata uang adalah sebagai berikut: Deposits from customers based on currencies are as follows: 2015 2014 Rupiah 293,765,548 257,006,917 Rupiah Mata uang asing Foreign currencies Dolar Amerika Serikat 57,850,933 40,585,841 United States Dollar Euro 1,240,699 1,048,318 Euro Dolar Singapura 522,595 1,084,010 Singapore Dollar Pound Sterling Inggris 274,032 194,502 Great Britain Pound Sterling Yen Jepang 206,324 300,651 Japanese Yen Dolar Hong Kong 46,159 34,739 Hong Kong Dollar Yuan Cina 17,641 3,312 Chinese Yuan Franc Swiss 6,497 5,841 Swiss Franc Dolar Australia 6,452 678 Australian Dollar 60,171,332 43,257,892 Total 353,936,880 300,264,809 Total Simpanan nasabah berdasarkan prinsip syariah termasuk di dalamnya adalah giro wadiah, tabungan wadiah, tabungan Mudharabah dan deposito Mudharabah. Deposits from customers based on sharia principles include wadiah current accounts, wadiah savings, Mudharabah savings and Mudharabah deposits. Giro wadiah dan tabungan wadiah merupakan simpanan wadiah yad-dhamanah dimana pemilik dana akan memperoleh pendapatan bonus. Jumlah giro wadiah pada tanggal- tanggal 31 Desember 2015 dan 2014, masing- masing sebesar Rp1.070.275 dan Rp1.407.104, sedangkan jumlah tabungan wadiah masing-masing sebesar Rp1.709.839 dan Rp1.147.880. Wadiah current accounts and wadiah savings represent a wadiah yad-dhamanah deposit in which the customers are entitled to receive bonus income. The balances of wadiah current accounts as of 31 December 2015 and 2014 were Rp1,070,275 and Rp1,407,104, respectively, while the balances of wadiah savings were Rp1,709,839 and Rp1,147,880, respectively. Berdasarkan Undang-Undang No. 24 tanggal 22 September 2004 yang berlaku efektif sejak tanggal 22 September 2005, sebagaimana diubah dengan Peraturan Pemerintah Pengganti Undang-Undang Republik Indonesia No. 3 tanggal 13 Oktober 2008, Lembaga Penjaminan Simpanan LPS dibentuk untuk menjamin liabilitas tertentu bank-bank umum berdasarkan program penjaminan yang berlaku, yang besaran nilai jaminannya dapat berubah jika memenuhi kriteria tertentu yang berlaku. Based on Law No. 24 dated 22 September 2004, effective on 22 September 2005, which was amended by the Government Regulation No. 3 dated 13 October 2008, the Indonesia Deposit Insurance Agency LPS was formed to guarantee certain liabilities of commercial banks under the applicable guarantee program, which the amount of guarantee can be amended if the situation complies with the valid particular criterias. 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 - 119 - Page 20. SIMPANAN NASABAH lanjutan

20. DEPOSITS FROM CUSTOMERS continued a. Berdasarkan jenis dan mata uang lanjutan

a. By type and currency continued

Berdasarkan Peraturan Pemerintah Republik Indonesia No. 66 Tahun 2008 tanggal 13 Oktober 2008 mengenai Besarnya Nilai Simpanan yang dijamin Lembaga Penjaminan Simpanan, maka pada tanggal 31 Desember 2015 dan 2014, jumlah simpanan yang dijamin LPS adalah simpanan sampai dengan Rp2.000 untuk per nasabah per bank. Simpanan nasabah dijamin hanya jika suku bunganya sama dengan atau dibawah 7,75 untuk simpanan dalam Rupiah dan 1,50 untuk simpanan dalam mata uang asing pada tanggal 31 Desember 2015 dan 2014. As of 31 December 2015 and 2014, based on Government Regulation No. 66 Year 2008 dated 13 October 2008 regarding The Amount of Deposit Guaranteed by Indonesia Deposit Insurance Corporation, the amount of deposits covered by LPS is customer deposits up to Rp2,000 per depositor per bank. Customer deposits are only covered if the rate of interest is equal to or below 7.75 for deposits denominated in Rupiah and 1.50 for deposits denominated in foreign currency as of 31 December 2015 and 2014. Pada tanggal 31 Desember 2015 dan 2014, BNI adalah peserta dari program penjaminan tersebut. As of 31 December 2015 and 2014, BNI was a participant of that guarantee program. b. Berdasarkan hubungan b. By relationship 2015 2014 Pihak berelasi Related parties Rupiah Rupiah Giro 11,149,935 9,516,494 Current accounts Tabungan 176,596 155,755 Savings account Deposito berjangka 27,651,634 16,798,712 Time deposits 38,978,165 26,470,961 Mata uang asing Foreign currencies Giro 8,089,684 8,601,781 Current accounts Tabungan 454,825 74,376 Savings account Deposito berjangka 3,853,523 3,858,288 Time deposits 12,398,032 12,534,445 Total pihak berelasi 51,376,197 39,005,406 Total related parties Pihak ketiga Third parties Rupiah Rupiah Giro 48,877,789 45,134,297 Current accounts Tabungan 122,651,406 110,643,702 Savings account Deposito berjangka 83,258,188 74,757,957 Time deposits 254,787,383 230,535,956 Mata uang asing Foreign currencies Giro 22,645,951 19,490,614 Current accounts Tabungan 6,081,485 4,095,761 Savings account Deposito berjangka 19,045,864 7,137,072 Time deposits 47,773,300 30,723,447 Total pihak ketiga 302,560,683 261,259,403 Total third parties Total 353,936,880 300,264,809 Total