Berdasarkan peringkat bni ar 2007 th

are in Indonesian language. PT BANK NEGARA INDONESIA PERSERO Tbk DAN ANAK PERUSAHAAN CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN Tahun yang Berakhir pada Tanggal-tanggal 31 Desember 2007 dan 2006 Disajikan dalam jutaan Rupiah, kecuali data per saham PT BANK NEGARA INDONESIA PERSERO Tbk AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS Years Ended December 31, 2007 and 2006 Expressed in million Rupiah, except per share data 61

10. TAGIHAN DAN

KEWAJIBAN DERIVATIF lanjutan 10. DERIVATIVES RECEIVABLE AND PAYABLE continued 31 Desember 2007December 31, 2007 Jumlah nosional Nilai WajarFair Values Mata uang asing Jumlah penuh Tagihan Kewajiban Foreign Currency derivatif derivatif Notional Amount Derivatives Derivatives Instrumen Full Amount Receivable Payable Instruments Terkait Nilai Tukar Exchange Rate Related Kontrak berjangka - beli Forward contract - buy USD 7.045.000 63 180 USD Kontrak berjangka - jual Forward contract - sell USD 6.457.017 183 68 USD Swap mata uang asing - beli Foreign currency swaps - buy USD 66.000.000 560 1.211 USD GBP 7.500.000 106 - GBP Swap mata uang asing - jual Foreign currency swaps - sell USD 135.500.000 1.298 6.307 USD Spot mata uang asing - beli Foreign currency spots - buy USD 128.849.960 - 2.880 USD EUR 500.000 45 - EUR Spot mata uang asing - jual Foreign currency spots - sell USD 12.700.000 409 - USD EUR 500.000 - 54 EUR Terkait Suku Bunga Interest Rate Related Swap mata uang asing dan suku bunga Cross currency swaps - interest rate USD 109.927.201 - 18.231 USD SGD 10.000.000 - 259 SGD Jumlah 2.664 29.190 Total Penyisihan kerugian 27 - Allowance for losses Bersih 2.637 29.190 Net 31 Desember 2006December 31, 2006 Jumlah nosional Nilai WajarFair Values Mata uang asing Jumlah penuh Tagihan Kewajiban Foreign Currency derivatif derivatif Notional Amount Derivatives Derivatives Instrumen Full Amount Receivable Payable Instruments Terkait Nilai Tukar Exchange Rate Related Kontrak berjangka - beli Forward contract - buy USD 9.534.000 - 1.794 USD Kontrak berjangka - jual Forward contract - sell USD 9.533.868 1.853 - USD Swap mata uang asing - beli Foreign currency swaps - buy USD 35.686.976 4.396 2.082 USD Swap mata uang asing - jual Foreign currency swaps - sell USD 26.197.978 3.378 - USD Spot mata uang asing - beli Foreign currency spots - buy USD 8.278.460 11 211 USD Spot mata uang asing - jual Foreign currency spots - sell USD 14.660.840 324 13 USD Terkait Suku Bunga Interest Rate Related Swap suku bunga Interest rate swaps USD 86.940.000 19.405 - USD Swap mata uang asing dan suku bunga Cross currency swaps - interest rate USD 50.000.000 20.253 - USD SGD 20.000.000 876 7.454 SGD Jumlah 50.496 11.554 Total Penyisihan kerugian 505 - Allowance for losses Bersih 49.991 11.554 Net are in Indonesian language. PT BANK NEGARA INDONESIA PERSERO Tbk DAN ANAK PERUSAHAAN CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN Tahun yang Berakhir pada Tanggal-tanggal 31 Desember 2007 dan 2006 Disajikan dalam jutaan Rupiah, kecuali data per saham PT BANK NEGARA INDONESIA PERSERO Tbk AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS Years Ended December 31, 2007 and 2006 Expressed in million Rupiah, except per share data 62

10. TAGIHAN DAN

KEWAJIBAN DERIVATIF lanjutan 10. DERIVATIVES RECEIVABLE AND PAYABLE continued Instrumen keuangan derivatif pada tanggal 31 Desember 2006 termasuk swap atas tingkat bunga yang ditujukan sebagai instrumen lindung nilai untuk keperluan lindung nilai atas perubahan nilai wajar Yankee Bonds Catatan 19. The outstanding derivative financial instruments as of December 31, 2006 include interest rate swap designated as a hedging instrument to hedge the risk of change in fair value of Yankee Bonds Note 19. Seluruh tagihan derivatif pada tanggal 31 Desember 2007 dan 2006 digolongkan sebagai lancar. All derivatives receivable as of December 31, 2007 and 2006 were classified as current. Penyisihan kerugian merupakan penyisihan minimum 1 atas tagihan derivatif BNI sesuai dengan peraturan Bank Indonesia. Manajemen berpendapat bahwa jumlah penyisihan kerugian telah memadai. The allowance for losses represents the 1 minimum allowance on derivatives receivable of BNI in compliance with Bank Indonesia regulations. The Management believed that the allowance for losses is adequate.

11. PINJAMANPEMBIAYAANPIUTANG YANG

DIBERIKAN 11. LOANSFINANCINGRECEIVABLE Informasi mengenai pinjaman yang diberikan kepada pihak-pihak yang mempunyai hubungan istimewa diungkapkan pada Catatan 36. Informasi mengenai jatuh tempo diungkapkan pada Catatan 42. Loans to related parties are disclosed in Note 36. Information in respect of maturities is disclosed in Note 42.

a. Berdasarkan jenis, mata uang dan transaksi dengan pihak yang mempunyai hubungan

istimewa dan pihak ke tiga

a. By type, currency and transactions with related parties and third parties

2007 2006 Pihak-pihak yang mempunyai hubungan istimewa Related parties Rupiah Rupiah Modal kerja 54.310 53.556 Working capital Investasi 10.770 1.583 Investment Konsumen 15.832 14.414 Consumer Jumlah Rupiah 80.912 69.553 Total Rupiah Jumlah pihak-pihak yang mempunyai hubungan istimewa 80.912 69.553 Total related parties Pihak ketiga Third parties Rupiah Rupiah Modal kerja 36.174.170 27.540.742 Working capital Investasi 12.010.075 11.273.711 Investment Konsumen 12.556.963 9.229.377 Consumer Karyawan 1.758.857 1.563.943 Employees Sindikasi 2.148.389 1.369.899 Syndicated Program Pemerintah 592.375 723.660 Government programs Jumlah Rupiah 65.240.829 51.701.332 Total Rupiah