CURRENT ACCOUNTS WITH BANK INDONESIA

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 - 88 - Page 7. PENEMPATAN PADA BANK LAIN DAN BANK INDONESIA lanjutan 7. PLACEMENTS WITH OTHER BANKS AND BANK INDONESIA continued f. Tingkat suku bunga per tahun f. Annual interest rates Rupiah Dolar AmerikaSerikat United States Dollar Pound Sterling Inggris Great Britain Pound Sterling 2015 5.50 - 11.25 0.32 - 0.60 0.00 2015 2014 5.50 - 11.00 0.01 - 0.88 0.20 - 0.73 2014 8. EFEK-EFEK 8. MARKETABLE SECURITIES a. Berdasarkan jenis dan mata uang a. By type and currency 2015 2014 Nilai nominal Nominal value Nilai tercatat Carrying value Nilai nominal Nominal value Nilai tercatat Carrying value Nilai wajar melalui Fair value through profit laporan laba rugi or loss Rupiah Rupiah Reksadana 2,343,703 2,089,679 2,746,710 2,751,019 Mutual funds Obligasi subordinasi 734,250 767,161 12,000 11,562 Subordinate bonds Obligasi 640,982 593,668 50,482 48,710 Bonds Efek lainnya 116,998 155,896 135,398 135,397 Other securites 3,835,933 3,606,404 2,944,590 2,946,688 Mata uang asing Foreign currencies Reksadana 20,081 21,807 17,130 18,693 Mutual funds Obligasi 68,925 75,997 - - Bonds 89,006 97,804 17,130 18,693 Total nilai wajar melalui laporan Total fair value through laba rugi 3,924,939 3,704,208 2,961,720 2,965,381 profit or loss Tersedia untuk dijual Available-for-sale Rupiah Rupiah Sertifikat Bank Indonesia 1,100,000 1,057,766 625,000 617,232 Certificates of Bank Indonesia Sertifikat Deposito Bank Indonesia 900,000 887,938 5,200,000 5,147,893 Certificates Deposits of Bank Indonesia Reksadana 720,025 724,022 645,472 664,567 Mutual funds Obligasi 569,000 557,255 888,000 873,000 Bonds Obligasi subordinasi 209,950 209,229 100,000 100,208 Subordinate bonds Negotiable Certificates of Deposits 170,000 164,876 - - Negotiable Certificates of Deposits 3,668,975 3,601,086 7,458,472 7,402,900 Mata uang asing Foreign currencies Obligasi 1,154,587 1,080,793 963,715 911,764 Bonds Reksadana 26,311 36,938 15,273 15,353 Mutual funds 1,180,898 1,117,731 978,988 927,117 Total tersedia untuk dijual 4,849,873 4,718,817 8,437,460 8,330,017 Total available-for-sale Dimiliki hingga jatuh tempo Held-to-maturity Rupiah Rupiah Obligasi, setelah dikurangi premi yang belum Bonds, diamortisasi sebesar Rp2.849 net of unamortized premium pada tanggal 31 Desember 2015 Rp2,849 as of 31 December 2015 dan Rp4.669 pada tanggal and Rp4,669 as of 31 Desember 2014 1,428,043 1,340,509 1,071,980 1,071,156 31 December 2014 Obligasi subordinasi 140,000 144,895 91,000 96,493 Subordinate bonds 1,568,043 1,485,404 1,162,980 1,167,649 Mata uang asing Foreign currencies Obligasi 55,180 55,374 49,760 50,251 Bonds Total dimiliki hingga jatuh tempo 1,623,223 1,540,778 1,212,740 1,217,900 Total held-to-maturity Pinjaman yang diberikan dan piutang Loan and receivables Rupiah Rupiah Promes - - 230,000 230,000 Promes Total pinjaman yang diberikan dan piutang - - 230,000 230,000 Total loan and receivables Total efek-efek 10,398,035 9,963,803 12,841,920 12,743,298 Total marketable securities Cadangan kerugian Allowance for impairment penurunan nilai 36,309 5,002 losses Efek-efek - neto 9,927,494 12,738,296 Marketable securities - net 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 - 89 - Page 8. EFEK-EFEK lanjutan

8. MARKETABLE SECURITIES continued a. Berdasarkan jenis dan mata uang lanjutan

a. By type and currency continued

Perincian efek-efek berdasarkan mata uang adalah sebagai berikut: Marketable securities based on currencies are as follow: 2015 2014 Rupiah 8,692,894 11,747,237 Rupiah Mata uang asing Foreign currencies Dolar Amerika Serikat 1,270,909 996,061 United States Dollar Total 9,963,803 12,743,298 Total Cadangan kerugian Allowance for penurunan nilai 36,309 5,002 impairment losses Neto 9,927,494 12,738,296 Net Harga pasar efek-efek dalam kelompok tersedia untuk dijual berkisar antara 93,82 - 102,61, dan berkisar antara 94,38 - 104,67 masing-masing dari nilai nominal pada tanggal 31 Desember 2015 dan 2014. BNI mengakui adanya keuntungan atau kerugian yang belum direalisasi atas peningkatan atau penurunan nilai pasar efek- efek dalam kelompok tersedia untuk dijual neto setelah pajak sebesar Rp84.590 rugi dan Rp568.575 laba masing-masing untuk tahun yang berakhir pada tanggal 31 Desember 2015 dan 2014. The market value of the available-for-sale securities as of 31 December 2015 and 2014, ranged between 93.82 - 102.61, and between 94.38 - 104.67 of the nominal amounts, respectively. BNI recognized the unrealized gains or loss from increase or decrease in the market value of marketable securities categorized as available-for-sale net of taxes in the amount of Rp84,590 loss and Rp568,575 gain for the years ended 31 December 2015 and 2014, respectively. b. Berdasarkan hubungan b. By relationship 2015 2014 Pihak ketiga 9,963,803 12,743,298 Third parties Cadangan kerugian Allowance for penurunan nilai 36,309 5,002 impairment losses Neto 9,927,494 12,738,296 Net c. Berdasarkan penerbit c. By issuer 2015 2014 Korporasi 5,725,280 5,851,991 Corporates Bank 2,292,820 1,126,182 Banks Bank Indonesia 1,945,703 5,765,125 Bank Indonesia Total 9,963,803 12,743,298 Total Cadangan kerugian Allowance for penurunan nilai 36,309 5,002 impairment losses Neto 9,927,494 12,738,296 Net