RISIKO LIKUIDITAS LIQUIDITY RISK

497 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 48. RISIKO LIKUIDITAS 48. 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’s liquidity purposes, Primary Reserves are 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, the branch cash limit and the ideal Secondary Reserve amounts 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 withdrawals 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 the financial liabilities based on undiscounted cash flows. 2014 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 1,813,065 - - - - 1,813,065 Obligations due immediately Simpanan nasabah 95,215,757 20,380,936 9,777,605 7,855,081 203,217,530 336,446,909 Deposits from customers Simpanan dari bank lain 2,362,657 15,545 11,570 7,782 4,317 2,401,871 Deposits from other banks Liabilitas derivatif 661,609 - - - - 661,609 Derivatives payable Liabilitas akseptasi 3,012,167 1,077,381 2,312,215 66,840 - 6,468,603 Acceptances payable Efek-efek yang diterbitkan - - 127,720 127,720 6,575,662 6,831,102 Securities issued Efek-efek yang dijual Securities sold under dengan janji dibeli kembali - - - - 2,491,931 2,491,931 agreements to repurchased Pinjaman yang diterima 86,392 2,521,472 47,373 574,761 9,366,458 12,596,456 Borrowings Liabilitas lain-lain 4,656,194 - - - - 4,656,194 Other liabilities Total 107,807,841 23,995,334 12,276,483 8,632,184 221,655,898 374,367,740 Total Total aset 58,042,001 287,726 823,630 3,770,683 77,274,876 140,198,917 Total assets KOMITMEN DAN COMMITMENT AND KONTINJENSI CONTINGENCIES Fasilitas kredit kepada debitur yang belum digunakan 38,667,132 - - - - 38,667,132 Unused loan facilities Irrevocable letter of credit Outstanding irrevocable yang masih berjalan 2,749,243 1,972,998 1,986,106 1,613,833 461,654 8,783,834 letters of credit Garansi yang diterbitkan 6,261,590 3,906,743 4,931,716 6,989,491 13,541,939 35,631,479 Guarantees issued Total 47,677,965 5,879,741 6,917,822 8,603,324 14,003,593 83,082,445 Total Liabilitas lain-lain terdiri dari utang ke pemegang polis, setoran jaminan, nota kredit dalam penyelesaian dan utang reasuransi. Other liabilities consist of obligation to policy holders, guarantee deposits, credit memo in process and reinsurance payable. 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 48. RISIKO LIKUIDITAS lanjutan 48. LIQUIDITY RISK continued