RISIKO LIKUIDITAS LIQUIDITY RISK

310 Laporan Tahunan 2008 BNI 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 44. RISIKO LIKUIDITAS lanjutan

44. LIQUIDITY RISK continued

Selain itu ditetapkan pula jumlah pagu kas cabang dan Secondary Reserve yang ideal. Penetapan pagu kas cabang ditujukan agar cabang dapat memenuhi kewajiban 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, a branch cash limit and ideal Secondary Reserve amount are also determined. The purpose of the branch cash limit is to enable the branch to meet its short-term obligation in the form of withdrawal of third party funds and to avoid idle cash in branches as well. An ideal Secondary Reserve is set up as a precautionary reserve and is determined periodically by BNI’s Risk and Capital Committee. Tabel jatuh tempo pada halaman berikut menyajikan informasi mengenai perkiraan jatuh tempo dari aktiva dan kewajiban menjadi arus kas masuk atau keluar. The maturity tables on the following pages provide information about the expected maturities within which assets and liabilities are converted into cash inflows or outflows. 2008 Nilai Kurang dari 1 – 3 3 – 6 6 – 12 Lebih dari Tercatat 1 Bulan Bulan Bulan Bulan 12 Bulan Carrying Lainnya Less than 1 – 3 3 – 6 6 – 12 More than Value Others 1 Month Months Months Months 12 Months AKTIVA ASSETS Kas 4.428.192 - 4.428.192 - - - - Cash Current accounts with Giro pada Bank Indonesia 9.350.792 - 9.350.792 - - - - Bank Indonesia Current accounts with Giro pada bank lain 1.720.580 - 1.720.580 - - - - other banks Less allowance for losses Dikurangi penyisihan kerugian on current accounts with giro pada bank lain 19.787 19.787 - - - - - other banks Penempatan pada bank lain Placements with other banks dan Bank Indonesia 22.948.307 184.234 22.608.231 28.850 114.635 12.357 - and Bank Indonesia Dikurangi penyisihan kerugian Less allowance for losses penempatan pada bank on placements with other lain dan Bank Indonesia 306.367 306.367 - - - - - banks and Bank Indonesia Surat-surat berharga 10.243.283 - 6.182.532 41.769 119.815 181.582 3.717.585 Marketable securities Dikurangi penyisihan kerugian Less allowance for losses surat-surat berharga 369.232 369.232 - - - - - on marketable securities Surat-surat berharga yang dibeli dengan janji dijual Securities purchased under kembali - bersih 86.815 - 81.812 5.003 - - - agreement to resell - net Wesel ekspor dan tagihan lainnya 452.055 29.237 240.578 103.371 78.869 - - Bills and other receivables Dikurangi penyisihan kerugian wesel Less allowance for losses on ekspor dan tagihan lainnya 24.110 24.110 - - - - - bills and other receivables Tagihan derivatif 96.525 - 73.923 5.417 6.163 - 11.022 Derivatives receivable Dikurangi penyisihan kerugian Less allowance for losses tagihan derivatif 967 967 - - - - - on derivatives receivable Tagihan akseptasi 3.990.035 - 1.335.755 1.223.778 1.281.567 148.201 734 Acceptances receivable Dikurangi penyisihan kerugian Less allowance for losses tagihan akseptasi 158.998 158.998 - - - - - on acceptances receivable Pinjaman yang diberikan 111.994.397 - 11.551.386 9.543.992 14.198.021 15.855.968 60.845.030 Loansfinancing Dikurangi penyisihan kerugian Less allowance for losses pinjaman yang diberikan 5.652.046 5.652.046 - - - - - on loans Obligasi Pemerintah - bersih 34.655.313 - - - 52.496 - 34.602.817 Government Bonds - net Penyertaan 137.040 137.040 - - - - - Equity investments Dikurangi penyisihan Less allowance for losses kerugian penyertaan 32.387 32.387 - - - - - on equity investments Aset tetap - bersih 3.732.893 3.732.893 - - - - - Fixed assets - net Aktiva pajak tangguhan - bersih 1.989.131 1.989.131 - - - - - Deferred tax assets - net Biaya dibayar di muka dan Prepayments and aktiva lain-lain - bersih 2.479.605 2.479.605 - - - - - other assets - net Jumlah 201.741.069 1.988.246 57.573.781 10.952.180 15.851.566 16.198.108 99.177.188 Total KEWAJIBAN LIABILITIES Kewajiban segera 1.059.663 - 1.059.663 - - - - Obligations due immediately Simpanan nasabah 163.164.358 - 147.015.018 7.885.974 3.973.024 4.176.672 113.670 Deposits from customers Simpanan dari bank lain 4.100.032 - 1.126.532 2.374.000 381.500 218.000 - Deposits from other banks Surat berharga yang dijual Securities sold under dengan janji dibeli kembali 625.000 - - - - 625.000 - agreement to repurchase Kewajiban derivatif 82.666 - 6.952 29 - - 75.685 Derivatives payable Kewajiban akseptasi 1.969.306 - 661.840 437.781 798.133 71.068 484 Acceptances payable Surat berharga yang Marketable securities diterbitkan 1.269.242 - - - - - 1.269.242 issued Pinjaman yang diterima 8.616.869 - 1.328.691 2.440.860 763.000 1.994.700 2.089.618 Borrowings Hutang pajak 599.246 - 599.246 - - - - Taxes payable Estimated losses from Estimasi kerugian atas commitments and komitmen dan kontinjensi 129.166 129.166 - - - - - contingencies Biaya yang masih harus dibayar dan kewajiban lain-lain 4.663.795 4.663.795 - - - - - Accruals and other liabilities Jumlah 186.279.343 4.792.961 151.797.942 13.138.644 5.915.657 7.085.440 3.548.699 Total Perbedaan jatuh tempo 15.461.726 2.804.715 94.224.161 2.186.464 9.935.909 9.112.668 95.628.489 Maturity gap Annual Report 2008 BNI 311 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 44. RISIKO LIKUIDITAS lanjutan

44. LIQUIDITY RISK continued