INFORMASI SEGMEN lanjutan SEGMENT INFORMATION continued MANAJEMEN RISIKO RISK MANAGEMENT

BNI Laporan Tahunan 2014 DAN ENTITAS ANAKAND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2014 DAN 2013 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2014 AND 2013 Expressed in millions of Rupiah, unless otherwise stated 45. INFORMASI SEGMEN lanjutan 45. SEGMENT INFORMATION continued 2013 Indonesia New York Eropa Europe Asia Penyesuaian dan eliminasi Adjustment and elimination Konsolidasi Consolidated Pendapatan bunga dan Interest income and pendapatan syariah - neto 18,867,392 19,882 49,293 121,714 - 19,058,281 sharia income - net Pendapatan operasional lainnya 9,649,165 25,202 23,113 76,935 179,641 9,440,904 Other operating income Pembentukan cadangan Allowance for impairment kerugian penurunan nilai 2,698,504 489 - 8,701 - 2,707,694 losses Beban operasional lainnya 14,238,483 41,703 57,991 234,511 - 14,572,688 Other operating expenses Laba operasional 11,579,570 2,892 14,415 198,433 179,641 11,218,803 Operating income Pendapatanbeban bukan Non operating income operasional - neto 178,773 1,525 544 236,066 - 59,362 expenses - net Laba sebelum beban pajak 11,400,797 4,417 14,959 37,633 179,641 11,278,165 Income before tax expense Beban pajak 2,220,224 - - - - 2,220,224 Tax expense Laba bersih 9,180,573 4,417 14,959 37,633 179,641 9,057,941 Net income Total asset 370,362,559 3,323,320 3,984,111 12,768,277 3,783,452 386,654,815 Total assets Total liabilitas 309,851,068 3,455,327 4,019,003 12,740,842 612,713 329,453,527 Total liabilities 46. MANAJEMEN RISIKO 46. RISK MANAGEMENT Penerapan Manajemen risiko di BNI berpedoman pada Peraturan Bank Indonesia PBI tentang Penerapan Manajemen Risiko bagi Bank Umum dan dokumen dari Basel Committee on Banking Supervision. Manajemen Risiko didasari oleh kebutuhan akan keseimbangan fungsi bisnis dengan pengelolaan risiko. Manajemen risiko menjadi strategic partner dari unit bisnis untuk mengoptimalkan pendapatan dari operasional entitas. Implementation of risk management in BNI is based on Bank Indonesia’s regulations PBI which govern the Risk Management Implementation of Commercial Banks and document of Basel Committee on Banking Supervision. The risk management is based on the need to balance the business functions and risk management. Risk management is a strategic partner of the existing business units to optimize returns from the entity’s operations. Dalam mengimplementasikan manajemen risiko dilakukan melalui 4 empat pilar penerapan manajemen risiko yaitu : Pengawasan Aktif Dewan Komisaris dan Direksi; Kecukupan Kebijakan, Prosedur dan Penetapan Limit; Proses Manajemen Risiko dan Sistem Informasi Manajemen Risiko serta Sistem Pengendalian Intern. Penerapan manajemen risiko di BNI secara umum terangkum dalam kerangka framework manajemen risiko. Kerangka manajemen risiko ini dituangkan dalam kebijakan, prosedur, limit-limit transaksi, kewenangan dan ketentuan lain serta diaplikasikan dalam perangkat manajemen risiko, yang berlaku di seluruh lingkup aktivitas usaha. Risk management implemented by 4 four pillars of risk management : Active Control from Board of Commissioners and Board of Directors; Policies, Procedures and Limit; Risk Management Process and Risk Management Information Systems and Internal Control Systems. Implementation of risk management in BNI is undertaken within risk management framework. Risk management framework is outlined in the policies, procedures, transaction limits, authorities and other regulations and applied in the tools of risk management, which is applicable in the whole scope of business activities. 489 BNI Laporan Tahunan 2014 DAN ENTITAS ANAKAND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2014 DAN 2013 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2014 AND 2013 Expressed in millions of Rupiah, unless otherwise stated 46. MANAJEMEN RISIKO lanjutan 46. RISK MANAGEMENT continued