GIRO PADA BANK INDONESIA lanjutan CURRENT ACCOUNTS WITH BANK INDONESIA

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

5. GIRO PADA BANK INDONESIA lanjutan

5. CURRENT ACCOUNTS WITH BANK INDONESIA

continued 2014 2013 Rupiah Rupiah - GWM Primer 8.00 8.00 Primary Minimum Statutory Reserve - Secondary Minimum - - GWM Sekunder 4.00 4.00 Statutory Reserve Mata uang asing 8.00 8.00 Foreign Currencies GWM Primer adalah simpanan minimum yang wajib dipelihara oleh Bank dalam bentuk saldo Rekening Giro pada Bank Indonesia. GWM Sekunder adalah cadangan minimum yang wajib dipelihara oleh Bank berupa SBI, Surat Utang Negara SUN, Surat Berharga Syariah Negara SBSN danatau excess reserve yang merupakan kelebihan saldo Rekening Giro Rupiah Bank dari GWM Primer dan GWM Loan to Deposit Ratio LDR. GWM LDR adalah tambahan simpanan minimum yang wajib dipelihara oleh Bank dalam bentuk saldo Rekening Giro pada Bank Indonesia, jika LDR Bank dibawah minimum LDR target Bank Indonesia 78 atau jika diatas maksimum LDR target BI 92 dan Kewajiban Penyediaan Modal Minimum KPMM Bank lebih kecil dari KPMM Insentif BI sebesar 14. Primary Minimum Statutory Reserve is a minimum reserve that should be maintained by the Bank in Current Accounts with Bank Indonesia. Secondary Minimum Statutory Reserve is the minimum reserves that should be maintained by the Bank, comprised of Certificates of Bank Indonesia SBI, Government Debenture Debt SUN, Sharia Government Securities SBSN, andor excess reserve which represent the excess reserve of the Bank’s Current Accounts in Rupiah over the Primary Minimum Statutory Reserve and the Minimum Statutory Reserve on Loan to Deposit Ratio LDR. The Minimum Statutory Reserve on LDR is the additional reserve that should be maintained by the Bank in the form of Current Accounts with Bank Indonesia, if the Bank’s LDR is below the minimum of LDR targeted by Bank Indonesia 78 or if the Bank’s LDR above the maximum of LDR targeted by BI 92 and the Capital Adequacy Ratio CAR is below BI requirement of 14. Rasio Giro Wajib Minimum untuk rekening Rupiah dan mata uang asing BNI saja pada tanggal 31 Desember 2014 dan 2013 masing-masing sebesar: The ratio of the Minimum Statutory Reserve requirement BNI only for its Rupiah and foreign currencies accounts as of 31 December 2014 and 2013, are as follows: 2014 2013 Rupiah Rupiah - GWM Primer 8.08 8.06 Primary Minimum Statutory Reserve - Secondary Minimum - - GWM Sekunder 15.23 15.74 Statutory Reserve Minimum Statutory Reserve on - - GWM Loan to Deposit Ratio - - Loan to Deposit Ratio Mata uang asing 8.32 8.14 Foreign currencies Tambahan GWM yang dihitung berdasarkan selisih antara LDR Bank dengan minimum LDR target Bank Indonesia dikali 10. Mulai berlaku pada tanggal 1 Maret 2011. The additional minimum reserve is calculated based on the difference between the Bank’s LDR with the minimum Bank Indonesia’s LDR target multiply by 10 effective starting 1 March 2011. 411 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

6. GIRO PADA BANK LAIN