RISIKO LIKUIDITAS LIQUIDITY RISK

470 L T h BNI CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2013 DAN 2012 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2013 AND 2012 Expressed in millions of Rupiah, unless otherwise stated 45. RISIKO LIKUIDITAS 45. LIQUIDITY RISK Pengelolaan dan pemantauan posisi likuiditas BNI berada dalam tanggung jawab Divisi Tresuri. Untuk memenuhi kebutuhan likuiditas BNI, Primary Reserve dijaga dalam bentuk giro pada Bank Indonesia agar memenuhi ketentuan Bank Indonesia. The management and monitoring of BNI’s liquidity position is under the responsibility of the Treasury Division. For BNI’s liquidity purposes, Primary Reserves are maintained in the form of current accounts with Bank Indonesia to comply with Bank Indonesia regulations. Selain itu ditetapkan pula jumlah pagu kas cabang dan Secondary Reserve yang ideal. Penetapan pagu kas cabang ditujukan agar cabang dapat memenuhi liabilitas 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, the branch cash limit and the ideal Secondary Reserve amounts are also determined. The purpose of the branch cash limit is to enable the branch to meet their short-term obligation in the form of withdrawals of third party funds and to avoid idle cash in the branches. An ideal Secondary Reserve is set up as a precautionary reserve and is determined periodically by BNI’s Risk and Capital Committee. Tabel di bawah ini menunjukkan sisa jatuh tempo kontraktual dari liabilitas keuangan berdasarkan pada undiscounted cash flows. The table below shows the remaining contractual maturities of the financial liabilities based on undiscounted cash flows. 2013 Kurang dari Lebih dari 1 Bulan 1 - 3 3 - 6 6 - 12 12 Bulan Less than Bulan Bulan Bulan More than 1 Month Months Months Months 12 Months Total LIABILITAS LIABILITIES Liabilitas segera 1,405,217 1,177 - - - 1,406,394 Obligations due immediately Simpanan nasabah 115,478,276 15,211,774 7,821,986 9,224,322 144,942,873 292,679,231 Deposits from customers Simpanan dari bank lain 6,410,960 122,857 279,915 17,920 8,732 6,840,384 Deposits from other banks Liabilitas derivatif 1,107,850 36,941 36,941 - - 1,181,732 Derivatives payable Liabilitas akseptasi 6,198,971 - - - - 6,198,971 Acceptances payable Efek-efek yang diterbitkan - - 125,503 125,503 6,712,515 6,963,521 Securities issued Pinjaman yang diterima 184,064 6,635,382 10,783,074 3,885 52,216 17,658,621 Borrowings Liabilitas lain-lain 236,443 82,162 98,981 23,455 333,958 774,999 Other liabilities Total 131,021,781 22,090,293 19,146,400 9,395,085 152,050,294 333,703,853 Total Total aset 61,399,928 2,017,419 2,300,234 2,921,162 48,242,260 116,881,003 Total assets KOMITMEN DAN COMMITMENT AND KONTINJENSI CONTINGENCIES Fasilitas kredit kepada debitur yang belum digunakan 34,037,470 - - - - 34,037,470 Unused loan facilities Irrevocable letter of credit Outstanding irrevocable yang masih berjalan 10,220,229 - - - - 10,220,229 letters of credit Garansi yang diterbitkan 27,693,046 - - - - 27,693,046 Guarantees issued Total 71,950,745 - - - - 71,950,745 Total Liabilitas lain-lain terdiri dari biaya yang masih harus dibayar, setoran jaminan dan lainnya. Other liabilities consist of accrued expenses, guarantee deposits and others. 471 L T h BNI CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2013 DAN 2012 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2013 AND 2012 Expressed in millions of Rupiah, unless otherwise stated 45. RISIKO LIKUIDITAS lanjutan 45. LIQUIDITY RISK continued