GENERAL continued f. bni ar 2008 th
1. GENERAL continued f.
Penawaran Umum Obligasi lanjutan f. Public Debt Offering continued Pada tanggal 14 Juli 2003, BNI menerbitkan obligasi dengan nilai nominal sebesar Rp1 triliun dan tercatat di Bursa Efek Surabaya sekarang BEI. Obligasi tersebut bersifat tidak dijamin dan akan jatuh tempo pada tanggal 10 Juli 2011. Obligasi tersebut memiliki tingkat bunga tetap sebesar 13,125 per tahun dan dibayarkan setiap kwartal. Pada saat diterbitkan, obligasi ini mendapat peringkat di A- A minus oleh Pefindo. Wali amanat untuk penerbitan obligasi ini adalah PT Bank Mandiri Persero Tbk. On July 14 2003, BNI issued bonds with a nominal value of Rp1 trillion listed on the Surabaya Stock Exchange currently IDX. The bonds are unsecured and will mature on July 10, 2011. The bonds bear interest at a fixed rate of 13.125 per annum, payable quarterly. On the issuance date, the bonds were rated A- A minus by Pefindo. The trustee of the bond issuance is PT Bank Mandiri Persero Tbk. g. Struktur dan Manajemen g. Organizational and Management Structure Susunan Dewan Komisaris, Direksi dan Komite Audit BNI adalah sebagai berikut: The Board of Commissioners, the Board of Directors and the Audit Committee of BNI comprise: 31 Desember 2008 December 31, 2008 Dewan Komisaris Board of Commissioners Komisaris Utama President Commissioner Komisaris Independen Erry Riyana Hardjapamekas Independent Commissioner Wakil Komisaris Utama Vice President Commissioner Komisaris Independen Suwarsono Independent Commissioner Komisaris Parikesit Suprapto Commissioner Komisaris Fero Poerbonegoro Commissioner Komisaris H.M.S. Latif Commissioner Komisaris Independen Achjar Iljas Independent Commissioner Komisaris Independen Achil Ridwan Djajadiningrat Independent Commissioner Direksi Board of Directors Direktur Utama Gatot Mudiantoro Suwondo President Director Wakil Direktur Utama Felia Salim Vice President Director Managing Director - Consumer Direktur Konsumer Darwin Suzandi Banking Direktur Usaha Kecil, Managing Director - Small, Menengah dan Syariah Achmad Baiquni Middle and Sharia Direktur Korporasi Krishna R. Suparto Managing Director - Corporate Direktur Treasuri dan Managing Director - Internasional Bien Subiantoro Treasury and International Direktur Keuangan Yap Tjay Soen Managing Director - Financial Direktur Jaringan Managing Director - dan Operasi Suwoko Singoastro Network and Operation Direktur Kepatuhan dan Managing Director - Compliance Manajemen Risiko Ahdi Jumhari Luddin and Risk Management Annual Report 2008 BNI 209 The original consolidated financial statements included herein are in Indonesian language. PT BANK NEGARA INDONESIA PERSERO Tbk DAN ANAK PERUSAHAAN CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN Tahun yang Berakhir pada Tanggal-tanggal 31 Desember 2008 dan 2007 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, 2008 and 2007 Expressed in millions of Rupiah, unless otherwise stated 1. UMUM lanjutan1. GENERAL continued g. Struktur dan Manajemen lanjutan
g. Organizational and Management Structure continued
31 Desember 2007 December 31, 2007 Dewan Komisaris Board of Commissioners Komisaris Utama Zaki Baridwan President Commissioner Wakil Komisaris Utama Vice President Commissioner Komisaris Independen Suwarsono Independent Commissioner Komisaris Parikesit Suprapto Commissioner Komisaris Effendi Commissioner Komisaris H.M.S. Latif Commissioner Komisaris Independen Achjar Iljas Independent Commissioner Komisaris Independen Felia Salim Independent Commissioner Direksi Board of Directors Direktur Utama Sigit Pramono President Director Wakil Direktur Utama Gatot Mudiantoro Suwondo Vice President Director Managing Director - Risk Direktur Manajemen Risiko Ignatius Supomo Management Direktur Treasuri Managing Director - Treasury dan Private Banking Fero Poerbonegoro and Private Banking Direktur Korporasi Achmad Baiquni Managing Director - Corporate Managing Director - Consumer Direktur Konsumer Tjahjana Tjakrawinata Banking Direktur Komersial Managing Director - Commercial dan Usaha Syariah Bien Subiantoro and Sharia Banking Direktur Kepatuhan Achil Ridwan Djajadiningrat Managing Director - Compliance Managing Director - Direktur Operasi Kemal Ranadireksa Banking Operation Managing Director - Direktur Sumber Daya Manusia Suroto Moehadji Human Resources 31 Desember 2008 31 Desember 2007 December 31, 2008 December 31, 2007 Komite Audit Audit Committee Ketua Erry Riyana Hardjapamekas Suwarsono Chairman Anggota Teuku Radja Sjahnan Alexander Zulkarnain Member Anggota Alexander Zulkarnain Haryanto Member Anggota Henrajaya Henrajaya Member Anggota Setyo Buwono Teuku Radja Sjahnan Member Anggota H.M.S Latif Effendi Member Anggota Darminto - Member Sekretaris Hasan Mas’ud Hasan Mas’ud Secretary Pembentukan komite audit Bank telah dilakukan sesuai dengan peraturan Bapepam Nomor IX.I.5. The formation of Audit Committee is in accordance with Bapepam rule No. IX.I.5. Susunan pengurus Dewan Komisaris dan Direksi telah mendapat persetujuan Bank Indonesia. The composition of the Boards of Commissioners and Directors was approved by Bank Indonesia.Parts
» Achil Ridwan Djayadiningrat Parikesit Suprapto
» Suwoko Singoastro Achmad Baiquni Krishna Suparto Bien Subiantoro Darwin Suzandi
» Penawaran Umum Saham Terbatas I Rights Issue I
» Penawaran Umum Saham Terbatas II Rights Issue II
» Rekapitalisasi Recapitalization GENERAL continued d. Penawaran Umum Saham Terbatas II
» GENERAL continued f. bni ar 2008 th
» Struktur dan Manajemen Organizational and Management Structure
» Organizational and Management Structure continued
» Anak perusahaan Subsidiaries GENERAL continued g. Struktur dan Manajemen lanjutan
» Subsidiaries continued PT BNI Life Insurance dahulu PT Asuransi
» Subsidiaries continued PT BNI Multifinance lanjutan
» Dasar penyajian IKHTISAR KEBIJAKAN AKUNTANSI SUMMARY OF SIGNIFICANT ACCOUNTING
» Dasar penyajian SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Prinsip konsolidasian Principles of consolidation
» Transaksi dan saldo dalam mata uang asing Foreign currency
» Transaksi dan saldo dalam mata uang asing lanjutan
» Foreign currency SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Current accounts with other banks and Bank Indonesia
» Penempatan pada bank lain dan Bank Indonesia
» Placements with other banks and Bank Indonesia
» Surat-surat Marketable securities and Government
» Surat-surat SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Surat-surat berharga yang dibelidijual dengan janji dijualdibeli kembali lanjutan
» Securities purchasedsold SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Wesel ekspor dan tagihan lainnya Bills and other receivables Instrumen keuangan derivatif
» Derivative financial instruments SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Instrumen keuangan derivatif lanjutan
» Derivative Pinjamanpembiayaanpiutang yang SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Pinjamanpembiayaanpiutang yang SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Penyisihan kerugian atas aktiva dan estimasi kerugian atas komitmen dan
» Allowance for losses on assets and estimated losses on commitments and
» Tagihan dan kewajiban akseptasi
» Acceptances receivable and payable
» Penyertaan saham Equity investments Aset tetap dan penyusutan Fixed assets and depreciation
» Aset tetap dan penyusutan lanjutan Fixed assets and depreciation continued
» Agunan yang diambil alih Foreclosed collaterals
» Piutang pembiayaan konsumen Consumer financing receivables
» Kewajiban segera Obligations due immediately
» Kewajiban manfaat polis masa depan
» Future policy benefit obligation Simpanan nasabah Deposits from customers
» Simpanan nasabah lanjutan Deposits from customers continued
» Surat berharga yang diterbitkan Marketable securities issued
» Pendapatan bunga, pendapatan syariah dan beban bungabagi hasil syariah
» Interest, sharia income and sharia revenue sharing expense
» Pendapatan bunga, pendapatan syariah dan
» Pendapatan provisi dan komisi Fees and commission income
» Perpajakan Taxation Imbalan kerja dan dana pensiun Employee benefits and pension plan
» Imbalan kerja dan dana pensiun lanjutan Employee benefits and pension plan
» Pendapatan premi asuransi dan beban
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» GIRO PADA BANK INDONESIA CURRENT ACCOUNTS WITH BANK INDONESIA
» CURRENT ACCOUNTS WITH BANK INDONESIA continued
» Berdasarkan kolektibilitas By collectibility
» By related party and third party continued
» Penempatan pada CURRENT ACCOUNTS WITH OTHER BANKS a. Berdasarkan mata uang
» Placements with other banks pledged as collateral
» Tingkat suku bunga per tahun Annual interest rates
» Berdasarkan jenis dan mata uang - surat- surat berharga
» By type and currency - marketable securities
» MARKETABLE SECURITIES continued a. Berdasarkan jenis dan mata uang - surat-
» By related party and third party - marketable securities
» Berdasarkan penerbit MARKETABLE SECURITIES continued b. Berdasarkan transaksi dengan pihak yang
» Berdasarkan peringkat MARKETABLE SECURITIES continued b. Berdasarkan transaksi dengan pihak yang
» By rating MARKETABLE SECURITIES continued d. Berdasarkan
» By rating Berdasarkan kolektibilitas - surat-surat berharga
» By collectibility - marketable securities Tingkat suku bunga per tahun - surat-surat
» Berdasarkan mata uang By currency
» Berdasarkan transaksi dengan pihak yang mempunyai hubungan istimewa dan pihak
» By related party and third party
» DERIVATIVES RECEIVABLE AND PAYABLE
» DERIVATIVES RECEIVABLE AND PAYABLE continued
» By type, currency and transactions with related parties and third parties continued
» Berdasarkan sektor ekonomi By economic sector
» By economic sector continued
» Pinjaman bermasalah LOANSFINANCINGRECEIVABLES continued b. Berdasarkan sektor ekonomi lanjutan
» Non-performing loans and allowance for losses by economic sector continued
» Tingkat suku bunga dan bagi hasil per tahun
» Annual interest and revenue sharing rates Pinjaman yang direstrukturisasi Restructured loans
» Kredit sindikasi Syndicated loans
» Fasilitas pembiayaan dengan perusahaan pembiayaan
» Financing arrangements with multi-finance companies
» Informasi Other significant information relating to
» GOVERNMENT BONDS bni ar 2008 th
» GOVERNMENT BONDS continued bni ar 2008 th
» SECURITIES PURCHASED bni ar 2008 th
» EQUITY INVESTMENTS Penyertaan jangka panjang
» EQUITY INVESTMENTS continued Penyertaan jangka panjang lanjutan
» FIXED ASSETS continued bni ar 2008 th
» FIXED ASSETS continued BIAYA DIBAYAR DI MUKA DAN AKTIVA LAIN- LAIN
» PREPAYMENTS AND OTHER ASSETS
» Berdasarkan jenis dan mata uang By type and currency
» By type and currency continued
» Tabungan berdasarkan jenis Savings accounts by type
» Annual interest and revenue sharing rates:
» SIMPANAN DARI BANK LAIN DEPOSITS FROM OTHER BANKS
» DEPOSITS FROM OTHER BANKS continued
» SURAT-SURAT BERHARGA YANG DIJUAL DENGAN JANJI DIBELI KEMBALI
» Berdasarkan jenis lanjutan By type continued Berdasarkan mata uang By currency
» By type and currency continued Pinjaman luar negeri dan lain-lain
» Annual interest rates BORROWINGS continued b. Tingkat suku bunga per tahun
» Hutang pajak lebih bayar pajak Taxes payable overpayment of tax
» Tax expense continued TAXATION continued b. Beban pajak lanjutan
» Rekonsiliasi tarif pajak Tax rate reconciliation
» Aktiva kewajiban pajak tangguhan Deferred tax assets liability
» Deferred tax assets liability continued
» Surat ketetapan pajak Tax assessment letter
» Tax assessment letter continued
» Value added tax VAT on murabahah
» Administrasi Administration TAXATION continued f.
» PINJAMAN SUBORDINASI SUBORDINATED DEBTS
» MODAL SAHAM DAN TAMBAHAN MODAL DISETOR SHARE CAPITAL AND ADDITIONAL PAID-IN CAPITAL
» APPROPRIATION OF NET INCOME continued
» CADANGAN UMUM DAN WAJIB GENERAL AND LEGAL RESERVES
» CADANGAN KHUSUS SPECIFIC RESERVES
» SPECIFIC RESERVES continued bni ar 2008 th
» PENDAPATAN BUNGA DAN SYARIAH INTEREST AND SHARIA INCOME
» BEBAN BUNGA DAN BAGI HASIL INTEREST AND REVENUE SHARING EXPENSE
» BEBAN GAJI DAN TUNJANGAN SALARIES
» BEBAN UMUM DAN ADMINISTRASI GENERAL AND ADMINISTRATIVE EXPENSES
» IMBALAN KERJA EMPLOYEE BENEFITS
» EMPLOYEE BENEFITS continued Program pensiun manfaat pasti lanjutan
» EMPLOYEE BENEFITS continued Imbalan kerja jangka panjang lainnya
» EMPLOYEE BENEFITS continued Imbalan kerja jangka panjang lainnya lanjutan
» KOMITMEN DAN KONTINJENSI COMMITMENTS AND CONTINGENCIES
» COMMITMENTS AND bni ar 2008 th
» Pinjaman yang diberikan Loans
» Loans continued RELATED PARTY TRANSACTIONS continued AKTIVA lanjutan
» Tagihan akseptasi Acceptances receivable
» Simpanan nasabah Deposits from customers
» MINORITY INTEREST bni ar 2008 th
» INFORMASI SEGMEN USAHA SEGMENT INFORMATION
» SEGMENT INFORMATION continued bni ar 2008 th
» RISK MANAGEMENT bni ar 2008 th
» RISK MANAGEMENT continued bni ar 2008 th
» CREDIT RISK continued bni ar 2008 th
» RISIKO MATA UANG CURRENCY RISK
» CURRENCY RISK continued bni ar 2008 th
» RISIKO LIKUIDITAS LIQUIDITY RISK
» LIQUIDITY RISK continued bni ar 2008 th
» INTEREST RATE RISK bni ar 2008 th
» INTEREST RATE RISK continued
» OPERATIONAL RISK bni ar 2008 th
» OPERATIONAL RISK continued bni ar 2008 th
» FIDUCIARY ACTIVITIES BNI bni ar 2008 th
» RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM
» CAPITAL ADEQUACY RATIO bni ar 2008 th
» CAPITAL EXPENDITURE PLANS bni ar 2008 th
» PERNYATAAN STANDAR bni ar 2008 th
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