OTHER MATTERS continued bni ar 2011 th
48. OTHER MATTERS continued
Manajemen Modal lanjutan Capitak Management continued Bank telah memenuhi semua persyaratan modal yang diwajibkan sepanjang tahun. The Bank has complied with all externally impossed capital requirements throughthout the year. 2011 2010 BNI - tanpa memperhitungkan BNI - without considering risiko pasar tidak diaudit market risk unaudited Aset Tertimbang Menurut Risiko 158.488.457 141.407.029 Risk Weighted Assets Total Modal 32.691.914 29.506.937 Total Capital Rasio Liabilitas Penyediaan Modal Minimum BNI 20,63 20,87 Capital Adequacy Ratio Rasio Liabilitas Penyediaan Modal Minimum yang Minimum Capital Adequacy Ratio diwajibkan oleh Bank Indonesia 8 8 required by Bank Indonesia BNI - dengan memperhitungkan BNI - considering risiko pasar tidak diaudit market risk unaudited Aset Tertimbang Menurut Risiko 159.435.207 142.957.181 Risk Weighted Assets Total Modal 32.691.914 29.506.937 Total Capital Rasio Liabilitas Penyediaan Modal Minimum BNI 20,50 20,64 Capital Adequacy Ratio Rasio Liabilitas Penyediaan Modal Minimum yang diwajibkan Minimum Capital Adequacy Ratio oleh Bank Indonesia 8 8 required by Bank Indonesia BNI - dengan memperhitungkan BNI - considering risiko operasional, mulai berlaku operational risk, effective sejak 1 Januari 2010 since January 1, 2010 Aset Tertimbang Menurut Risiko 185.403.030 158.409.305 Risk Weighted Assets Total Modal 32.691.914 29.506.937 Total Capital Rasio Liabilitas Penyediaan Modal Minimum BNI 17,63 18,63 Capital Adequacy Ratio Rasio Liabilitas Penyediaan Modal Minimum yang Minimum Capital Adequacy Ratio diwajibkan oleh Bank Indonesia 8 8 required by Bank Indonesia Rasio Aset Produktif Bermasalah Non-Performing Earning Assets Ratio Rasio aset produktif bermasalah terhadap jumlah aset produktif per 31 Desember 2011 dan 2010 adalah masing-masing sebesar 2,65 dan 3,00. Non-performing earning assets to total earning assets ratio for BNI as of December 31, 2011 and 2010 was 2.65 and 3.00, respectively. Rasio Jumlah Penyisihan Kerugian Penurunan Nilai Aset Produktif yang telah Dibentuk Allowance For Impairment Losses On Earning Assets Ratio Rasio jumlah penyisihan penghapusan aset produktif yang telah dibentuk oleh BNI terhadap jumlah minimum penyisihan penghapusan aset produktif sesuai dengan ketentuan Bank Indonesia, per 31 Desember 2011 dan 2010, adalah masing- masing sebesar 111,69 dan 128,29. The ratio on total allowance for impairment losses on earning assets provided by BNI compared to the minimum allowance for possible losses on earning assets under the guidelines prescribed by Bank Indonesia as of December 31, 2011 and 2010 was 111.69 and 128.29, respectively. BNI 498 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 49. RENCANA BARANG MODAL49. CAPITAL EXPENDITURE COMMITMENTS
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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