INFORMASI SEGMEN USAHA SEGMENT INFORMATION

Annual Report 2008 BNI 301 The original consolidated financial statements included herein 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 2008 dan 2007 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain PT BANK NEGARA INDONESIA PERSERO Tbk AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS Years Ended December 31, 2008 and 2007 Expressed in millions of Rupiah, unless otherwise stated 40. INFORMASI SEGMEN USAHA lanjutan

40. SEGMENT INFORMATION continued

Pendapatan bunga bersih, operasional dan investasi Net interest income, operating and investment income Keterangan 2008 2007 Description Bank Banking Konvensional 12.298.454 10.535.275 Conventional Syariah 240.825 130.638 Sharia Anak perusahaan: Subsidiaries: Pembiayaan 33.289 44.468 Financing Sekuritas 802.177 137.198 Securities Asuransi jiwa 41.003 749.568 Life insurance Jumlah 13.415.748 11.597.147 Total Eliminasi 45.024 - Elimination Konsolidasi 13.460.772 11.597.147 Consolidated Terdiri dari: Consists of: Pendapatan bungabagi hasil - bersih Net interest incomerevenue sharing Konvensional 9.711.373 7.358.948 Conventional Syariah 200.510 108.483 Sharia Pendapatan operasional lainnya Other operating income Konvensional 3.508.573 4.107.561 Conventional Syariah 40.316 22.155 Sharia Jumlah 13.460.772 11.597.147 Total Laba bersihNet income Keterangan 2008 2007 Description Bank Banking Konvensional 1.188.046 859.012 Conventional Syariah 34.439 19.237 Sharia Anak perusahaan: Subsidiaries: Pembiayaan 7.355 19.060 Financing Sekuritas 75.189 26.554 Securities Asuransi jiwa 23.710 12.185 Life insurance Jumlah 1.178.361 897.928 Total Eliminasi 44.124 - Elimination Konsolidasi 1.222.485 897.928 Consolidated Jumlah aktivaTotal assets Keterangan 2008 2007 Description Bank Banking Konvensional 196.373.005 179.460.905 Conventional Syariah 4.017.502 2.546.844 Sharia Anak perusahaan: Subsidiaries: Pembiayaan 201.546 414.836 Financing Sekuritas 792.774 1.013.230 Securities Asuransi jiwa 1.118.160 933.922 Life insurance Jumlah 202.502.987 184.369.737 Total Eliminasi 761.918 1.028.126 Elimination Konsolidasi 201.741.069 183.341.611 Consolidated 302 Laporan Tahunan 2008 BNI The original consolidated financial statements included herein 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 2008 dan 2007 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain PT BANK NEGARA INDONESIA PERSERO Tbk AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS Years Ended December 31, 2008 and 2007 Expressed in millions of Rupiah, unless otherwise stated 40. INFORMASI SEGMEN USAHA lanjutan

40. SEGMENT INFORMATION continued