LOANS continued l. Informasi pokok lainnya sehubungan OBLIGASI PEMERINTAH GOVERNMENT BONDS
11. LOANS continued l. Informasi pokok lainnya sehubungan
dengan pinjaman yang diberikan lanjutan l. Other significant information relating to loans continued baik secara langsung maupun tidak langsung melalui hubungan kepemilikan, kepengurusan atau keuangan, seperti Yayasan Dana Pensiun BNI, dan Entitas Anaknya dianggap sebagai pihak-pihak berelasi dengan BNI. Berdasarkan peraturan tersebut, Batas Maksimum Pemberian Kredit “BMPK” kepada pihak-pihak berelasi adalah 10 dari modal BNI. management or financing, such as Yayasan Dana Pensiun BNI, and its Subsidiaries are considered as related parties of BNI. Under this regulation, the legal lending limit “LLL” for related party borrowers is 10 of BNI’s capital. Pada tahun yang berakhir pada tanggal- tanggal 31 Desember 2011 dan 2010, tidak terdapat pemberian pinjaman yang melanggarmelampaui ketentuan Batas Maksimum Pemberian Kredit Bank Indonesia. For the years ended December 31, 2011 and 2010, there were no loans granted which breachedexceeded the Legal Lending Limit requirements of Bank Indonesia. Rasio kredit usaha kecil, mikro dan menengah terhadap jumlah kredit yang diberikan BNI per 31 Desember 2011 dan 2010 adalah masing- masing sebesar 27,38 tidak diaudit dan 40,64 tidak diaudit. The micro, small and medium scale loans to total loans ratio for BNI as of December 31, 2011 and, 2010 was 27.38 unaudited and 40.64 unaudited, respectively. Rasio kredit usaha mikro kecil dan rasio kredit usaha kecil terhadap jumlah kredit yang diberikan BNI per 31 Desember 2011 dan 2010 adalah masing-masing sebesar 11,32 tidak diaudit dan 22,30 tidak diaudit. The micro and small scale loans to total loans ratio for BNI and the small scale loans to total loans ratio for BNI as of December 31, 2011 and 2010 was 11.32 unaudited and 22.30 unaudited, respectively. 12. OBLIGASI PEMERINTAH 12. GOVERNMENT BONDS Informasi mengenai jangka waktu jatuh tempo diungkapkan di Catatan 42. Information with respect to maturities is disclosed in Note 42. a. Berdasarkan jenis dan mata uang a. By type and currency 2011 2010 Nilai Nilai Nilai Nilai Nominal Tercatat Nominal Tercatat Nominal Carrying Nominal Carrying Value Value Value Value Nilai wajar melalui Fair value through laporan laba rugi profit or loss Rupiah Rupiah Tingkat bunga tetap 66.083 73.785 136.000 138.513 Fixed rate Dolar Amerika United States Dollar Serikat Tingkat bunga tetap - - 225.250 236.419 Fixed rate Total nilai wajar melalui laporan Total fair value through laba rugi 66.083 73.785 361.250 374.932 profit or loss BNI 409 are in Indonesian language. PT BANK NEGARA INDONESIA PERSERO Tbk DAN ENTITAS ANAK CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN Tahun yang Berakhir pada Tanggal-tanggal 31 Desember 2011 dan 2010 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, 2011 and 2010 Expressed in millions of Rupiah, unless otherwise stated 12. OBLIGASI PEMERINTAH lanjutan12. GOVERNMENT BONDS continued a. Berdasarkan jenis dan mata uang lanjutan
Parts
» Langkah-langkah Strategis 2011 Bank’s Strategic Direction
» Strategic Initiatives in 2011 Kebijakan Stategis 2011
» Contingency Receivables 2011 Strategic Policies
» Risiko Kredit bni ar 2011 th
» Risiko Likuiditas bni ar 2011 th
» Liquidity Risk bni ar 2011 th
» Risiko Operasional Operational Risk
» Risiko Operasional, perbaikan terhadap Loss Other Risk, Regulatory Capital Allocation RCAP,
» Komite Audit Audit Committee
» GENERAL a. Pendirian bni ar 2011 th
» IKHTISAR KEBIJAKAN bni ar 2011 th
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» IKHTISAR KEBIJAKAN AKUNTANSI lanjutan SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» IKHTISAR KEBIJAKAN AKUNTANSI lanjutan SUMMARY OF SIGNIFICANT ACCOUNTING
» CASH GIRO PADA BANK INDONESIA CURRENT ACCOUNTS WITH BANK INDONESIA
» CURRENT ACCOUNTS WITH OTHER BANKS a. Berdasarkan mata uang
» PENEMPATAN PADA BANK LAIN DAN BANK PLACEMENTS WITH OTHER BANKS AND BANK INDONESIA continued
» MARKETABLE SECURITIES bni ar 2011 th
» SURAT-SURAT BERHARGA bni ar 2011 th
» DERIVATIVES RECEIVABLE AND PAYABLE continued
» DERIVATIVES RECEIVABLE AND PAYABLE continued PINJAMAN YANG DIBERIKAN LOANS
» LOANS continued a. bni ar 2011 th
» LOANS continued b. Transaksi dengan pihak tertentu lanjutan
» LOANS continued c. Berdasarkan sektor ekonomi lanjutan
» LOANS continued e. bni ar 2011 th
» LOANS continued g. bni ar 2011 th
» LOANS continued i. bni ar 2011 th
» LOANS continued k. bni ar 2011 th
» LOANS continued l. Informasi pokok lainnya sehubungan OBLIGASI PEMERINTAH GOVERNMENT BONDS
» GOVERNMENT BONDS continued a. Berdasarkan jenis dan mata uang lanjutan
» GOVERNMENT BONDS continued a.
» PENYERTAAN SAHAM EQUITY INVESTMENTS EQUITY INVESTMENTS continued
» ASET TETAP FIXED ASSETS FIXED ASSETS continued
» OTHER ASSETS – NET bni ar 2011 th
» LIABILITAS SEGERA OBLIGATIONS DUE IMMEDIATELY DEPOSITS FROM CUSTOMERS
» DEPOSITS FROM CUSTOMERS continued a. Berdasarkan jenis dan mata uang lanjutan
» DEPOSITS FROM CUSTOMERS continued b.
» LIABILITAS AKSEPTASI ACCEPTANCES PAYABLE ACCEPTANCES PAYABLE continued a.
» ACCEPTANCES PAYABLE c. SURAT-SURAT BERHARGA MARKETABLE SECURITIES ISSUED
» PINJAMAN YANG DITERIMA BORROWINGS BORROWINGS continued a.
» BORROWINGS continued a. Berdasarkan jenis dan mata uang lanjutan
» PERPAJAKAN TAXATION TAXATION continued b. Beban
» TAXATION continued b. Beban pajak lanjutan
» TAXATION continued c. Aset pajak tangguhan
» TAXATION continued e. Surat ketetapan pajak lanjutan LIABILITAS LAIN-LAIN OTHER LIABILITIES
» PENGGUNAAN LABA NETO APPROPRIATION OF NET INCOME APPROPRIATION OF NET INCOME continued
» CADANGAN UMUM DAN WAJIB GENERAL AND LEGAL RESERVES CADANGAN KHUSUS SPECIFIC RESERVES
» SALARIES AND EMPLOYEE BENEFITS BEBAN UMUM DAN ADMINISTRASI GENERAL AND ADMINISTRATIVE EXPENSES
» EMPLOYEE BENEFITS Program pensiun manfaat pasti
» EMPLOYEE BENEFITS continued Program pensiun manfaat pasti lanjutan
» IMBALAN KERJA lanjutan EMPLOYEE BENEFITS continued
» EMPLOYEE BENEFITS continued Imbalan kerja jangka panjang lainnya lanjutan
» COMMITMENTS AND CONTINGENCIES TRANSAKSI DENGAN PIHAK BERELASI RELATED PARTY TRANSACTIONS
» RELATED PARTY TRANSACTIONS continued a. Jenis hubungan dan unsur transaksi pihak
» RELATED PARTY TRANSACTIONS continued a.
» RELATED PARTY TRANSACTIONS continued d. Surat berharga lanjutan
» RELATED PARTY TRANSACTIONS continued g. Pinjaman
» KEPENTINGAN NONPENGENDALI NON-CONTROLLING INTEREST SEGMENT INFORMATION
» SEGMENT INFORMATION continued bni ar 2011 th
» SEGMENT INFORMATION continued RISK MANAGEMENT
» RISK MANAGEMENT continued bni ar 2011 th
» CREDIT RISK continued bni ar 2011 th
» CREDIT RISK continued RISIKO LIKUIDITAS LIQUIDITY RISK
» LIQUIDITY RISK continued bni ar 2011 th
» RISIKO PASAR MARKET RISK MARKET RISK continued
» MARKET RISK continued i Risiko tingkat suku bunga lanjutan
» MARKET RISK continued ii. Risiko mata uang lanjutan
» OPERATIONAL RISK bni ar 2011 th
» OPERATIONAL RISK continued bni ar 2011 th
» NILAI WAJAR ASET DAN LIABILITAS KEUANGAN FAIR VALUE OF FINANCIAL ASSETS AND LIABILITIES
» FAIR VALUE OF FINANCIAL ASSETS AND LIABILITIES continued
» AKTIVITAS JASA LAINNYA OTHER ACTIVITIES
» OTHER ACTIVITIES continued Kegiatan Jasa Kustodian lanjutan
» OTHER ACTIVITIES continued Kegiatan Jasa Kustodian lanjutan HAL-HAL LAINNYA OTHER MATTERS
» OTHER MATTERS continued bni ar 2011 th
» CAPITAL EXPENDITURE COMMITMENTS PROGRAM PENGGANTI MANAGEMENT - EMPLOYEE STOCK
» MANAGEMENT - EMPLOYEE STOCK KREDIT KELOLAAN CHANNELING LOANS
» INFORMASI KEUANGAN TAMBAHAN SUPPLEMENTARY FINANCIAL INFORMATION
» MANAGEMENT’S RESPONSIBILITY ON THE CONSOLIDATED FINANCIAL STATEMENTS 2011
» December December 2011 bni ar 2011 th
» December December December December
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