PENDAPATAN BUNGA BEBAN BUNGA DAN BEBAN SYARIAH INTEREST EXPENSE AND SHARIA EXPENSE PENDAPATAN OPERASIONAL LAINNYA - LAIN- LAIN OTHER OPERATING INCOME - MISCELLANEOUS BEBAN GAJI DAN TUNJANGAN SALARIES

548 2012฀Annual฀Report฀•฀ BNI PT BANK NEGARA INDONESIA PERSERO Tbk DAN ENTITAS ANAKAND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2012 DAN 2011 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2012 AND 2011 Expressed in millions of Rupiah, unless otherwise stated 32. CADANGAN KHUSUS lanjutan 32. SPECIFIC RESERVES continued Dana program kemitraan badan usaha milik negara dengan usaha kecil telah dialihkan seluruhnya ke pengelola program kemitraan. Fund for partnership program between state-owned enterprises and small businesses has been fully transferred to the partnership program board. Berdasarkan keputusan Rapat Umum Pemegang Saham Luar Biasa tanggal 15 Desember 2003, para pemegang saham menyetujui pembentukan cadangan khusus untuk program bina lingkungan dan program kemitraan sebesar masing-masing maksimal 3 dan 1 dari laba neto konsolidasian setelah pajak di masa yang akan datang. Jumlah cadangan diputuskan dalam Rapat Umum Pemegang Saham Tahunan. In accordance with the decision of the Extraordinary General Shareholders’ Meeting on 15 December 2003, the shareholders approved the creation of a specific reserve for an environmental development program and for partnership program equivalent to a maximum of 3 and 1 of consolidated net income after tax in the future, respectively. The amount of the reserve is decided at the Annual General Shareholders’ Meeting.

33. PENDAPATAN BUNGA

DAN PENDAPATAN SYARIAH 33. INTEREST INCOME AND SHARIA INCOME 2012 2011 Pinjaman yang diberikan 17,758,207 15,929,756 Loans Obligasi Pemerintah 2,150,780 1,845,025 Government Bonds Margin, pendapatan bagi hasil dan Margin, profit-sharing revenue bonus syariah 977,568 784,902 and sharia bonus Penempatan pada bank lain dan Placements with other banks and Bank Indonesia 936,257 1,276,476 Bank Indonesia Efek-efek 280,422 573,353 Marketable securities Wesel ekspor dan tagihan lainnya 204,028 81,647 Bills and other receivables Lain-lain 397,253 200,637 Others Jumlah 22,704,515 20,691,796 Total 34. BEBAN BUNGA DAN BEBAN SYARIAH 34. INTEREST EXPENSE AND SHARIA EXPENSE 2012 2011 Deposits from customers and Simpanan nasabah dan bank lain 6,353,780 6,768,447 other banks Pinjaman yang diterima 343,009 352,869 Borrowings Bagi hasil mudharabah 299,680 244,160 Mudharabah profit-sharing expense Efek-efek yang diterbitkan 212,990 105,952 Securities issued Bonus wadiah 20,724 10,863 Wadiah bonuses Lain-lain 15,341 13,691 Others Total 7,245,524 7,495,982 Total

35. PENDAPATAN OPERASIONAL LAINNYA - LAIN- LAIN

35. OTHER OPERATING INCOME - MISCELLANEOUS

Dalam akun ini termasuk pendapatan lainnya yang ditagihkan kepada pelanggan. This account includes other income from customers. 549 Laporan฀Tahunan฀2012฀•฀ BNI PT BANK NEGARA INDONESIA PERSERO Tbk DAN ENTITAS ANAKAND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2012 DAN 2011 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2012 AND 2011 Expressed in millions of Rupiah, unless otherwise stated 36. BEBAN GAJI DAN TUNJANGAN 36. SALARIES AND EMPLOYEE BENEFITS EXPENSES 2012 2011 Gaji dan upah Tunjangan Pendidikan dan pelatihan 2,931,664 2,368,751 277,452 2,480,022 2,301,323 260,816 Salaries and wages Allowances Training and development Total 5,577,867 5,042,161 Total Jumlah gaji dan tunjangan, bonustantiem, imbalan kerja jangka panjang Dewan Komisaris, Direksi, Komite Audit serta Executive Vice President dan Senior Vice President masing-masing untuk tahun yang berakhir pada tanggal-tanggal 31 Desember 2012 dan 2011 adalah sebagai berikut: Total gross salaries and allowances, bonustantiem, long-term employment benefits of the Boards of Commissioners, Directors, Audit Committee and Executive Vice President and Senior Vice President for the years ended 31 December 2012 and 2011, respectively, are as follows: 2012 Imbalan Gaji dan Bonustantiem kerja jangka tunjangan Long-term panjang Salaries and Bonus Employment Jumlah allowance tantiem benefits Total Dewan Komisaris 6,429 24,318 1,518 32,265 The Board of Commissioners Direksi 27,983 72,650 5,162 105,795 Directors Komite Audit 500 180 20 700 Audit Committee Executive Vice President dan Executive Vice Presidents and Senior Vice President 48,170 644 2,860 51,674 Senior Vice Presidents 83,082 97,792 9,560 190,434 2011 Imbalan Gaji dan Bonustantiem kerja jangka tunjangan Long-term panjang Salaries and Bonus Employment Jumlah allowance tantiem benefits Total Dewan Komisaris 7,904 15,812 1,606 25,322 The Board of Commissioners Direksi 30,141 45,167 4,557 79,865 Directors Komite Audit 448 73 - 521 Audit Committee Executive Vice President dan Executive Vice Presidents and Senior Vice President 31,589 5,682 3,042 40,313 Senior Vice Presidents 70,082 66,734 9,205 146,021 Sesuai dengan kebijakan Bank, selain gaji, pegawai juga mendapatkan fasilitas dan tunjangan berupa Tunjangan Hari Raya THR, fasilitas kesehatan, sumbangan kematian, tunjangan cuti, fasilitas jabatan untuk jabatan tertentu, program pensiun untuk pegawai tetap, insentif sesuai dengan kinerja Bank dan pegawai, dan manfaat untuk pegawai yang berhenti bekerja sesuai dengan Undang-Undang Ketenagakerjaan yang berlaku. Under the Bank’s policy, in addition to salaries, employees are entitled to allowances and benefits, such as yearly allowance THR, medical reimbursements, death allowance, leave allowance, functional allowance for certain levels, pension plan for permanent employees, incentives based on the Bank and employees’ performance, and post-employment benefits in accordance with prevailing Labor Law. 550 2012฀Annual฀Report฀•฀ BNI PT BANK NEGARA INDONESIA PERSERO Tbk DAN ENTITAS ANAKAND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2012 DAN 2011 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2012 AND 2011 Expressed in millions of Rupiah, unless otherwise stated 37. BEBAN UMUM DAN ADMINISTRASI 37. GENERAL AND ADMINISTRATIVE EXPENSES