RISIKO KREDIT lanjutan CREDIT RISK continued RISIKO LIKUIDITAS LIQUIDITY RISK

587 Laporan฀Tahunan฀2012฀•฀ BNI PT BANK NEGARA INDONESIA PERSERO Tbk DAN ENTITAS ANAKAND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2012 DAN 2011 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2012 AND 2011 Expressed in millions of Rupiah, unless otherwise stated 45. RISIKO KREDIT lanjutan 45. CREDIT RISK continued iii Analisis umur pinjaman yang jatuh tempo tetapi tidak mengalami penurunan nilai pada tanggal 31 Desember 2012. iii The aging analysis of past due but not impaired loans as at 31 December 2012. Kurang dari 30 hari Less than 30 days 31 sampai 60 hari 31 to 60 days Lebih dari 60 hari More than 60 days Total Modal kerja Investasi Konsumen Sindikasi Karyawan Program pemerintah 867,723 16,667 342,483 - 121 206 218,953 5,202 51,916 - 4 - 1,500,178 1,533,577 1,717,599 619,691 26,115 13,251 2,586,854 1,555,446 2,111,998 619,691 26,240 13,457 Working capital Investment Consumer Syndicated Employee Government programs Total Cadangan kerugian penurunan nilai 1,227,200 155,257 276,075 18,737 5,410,411 603,304 6,913,686 777,298 Total Allowance for impairment losses Neto 1,071,943 257,338 4,807,107 6,136,388 Net 46. RISIKO LIKUIDITAS 46. LIQUIDITY RISK Pengelolaan dan pemantauan posisi likuiditas BNI berada dalam tanggung jawab Divisi Tresuri. Untuk memenuhi kebutuhan likuiditas BNI, Primary Reserve dijaga dalam bentuk giro pada Bank Indonesia agar memenuhi ketentuan Bank Indonesia. The management and monitoring of BNI’s liquidity position is under the responsibility of the Treasury Division. For BNI liquidity purposes, Primary Reserve is maintained in the form of current accounts with Bank Indonesia to comply with Bank Indonesia regulations. Selain itu ditetapkan pula jumlah pagu kas cabang dan Secondary Reserve yang ideal. Penetapan pagu kas cabang ditujukan agar cabang dapat memenuhi liabilitas jangka pendeknya berupa penarikan dana pihak ketiga, sekaligus menjaga kondisi kas cabang agar tidak idle. Secondary Reserve yang ideal ditetapkan sebagai dana untuk berjaga-jaga dan ditetapkan oleh Risk and Capital Committee BNI secara periodik. In addition, a branch cash limit and an ideal Secondary Reserve amount are also determined. The purpose of the branch cash limit is to enable the branch to meet their short-term obligation in the form of withdrawal of third party funds and to avoid idle cash in the branches. An ideal Secondary Reserve is set up as a precautionary reserve and is determined periodically by BNI’s Risk and Capital Committee. Tabel di bawah ini menunjukkan sisa jatuh tempo kontraktual dari liabilitas keuangan berdasarkan pada undiscounted cash flows. The table below shows the remaining contractual maturities of Group’s financial liabilities based on undiscounted cashflows. 2012 Kurang dari Lebih dari 1 Bulan 1 - 3 3 - 6 6 - 12 12 Bulan Less than Bulan Bulan Bulan More than 1 Month Months Months Months 12 Months Total LIABILITAS LIABILITIES Liabilitas segera 2,770,254 - - - - 2,770,254 Obligations due immediately Simpanan nasabah 111,688,460 12,097,396 6,509,325 8,562,328 119,871,986 258,729,495 Deposits from customers Simpanan dari bank lain 3,380,618 688,271 928,978 45,255 15,633 5,058,755 Deposits from other banks Liabilitas derivatif 454,647 17,136 17,136 17,136 68,546 574,601 Derivatives payable Liabilitas akseptasi 4,624,501 - - - - 4,624,501 Acceptances payable Efek yang Marketable securities diterbitkan - - 99,387 99,387 5,514,457 5,713,231 issued Pinjaman diterima 742,937 1,563,397 3,075,462 982,061 2,385,905 8,749,762 Borrowings Liabilitas lain-lain 532,753 197,356 125,452 7,349 142,566 1,005,476 Other liabilities Total 124,194,170 14,563,556 10,755,740 9,713,516 127,999,093 287,226,075 Total Total aset 66,675,016 20,711,491 503,188 5,833,174 10,535,964 104,258,833 Total assets Liabilitas lain-lain terdiri dari utang bunga Other liabilities consist of interest payable 588 2012฀Annual฀Report฀•฀ BNI PT BANK NEGARA INDONESIA PERSERO Tbk DAN ENTITAS ANAKAND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2012 DAN 2011 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2012 AND 2011 Expressed in millions of Rupiah, unless otherwise stated 47. RISIKO PASAR 47. MARKET RISK