DERIVATIVES RECEIVABLE AND PAYABLE continued

252 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 10. TAGIHAN DAN KEWAJIBAN DERIVATIF lanjutan

10. DERIVATIVES RECEIVABLE AND PAYABLE continued

Seluruh tagihan derivatif pada tanggal 31 Desember 2008 dan 2007 digolongkan sebagai lancar, kecuali tagihan kepada PT Busana Remaja Agracipta sebesar Rp35 per 31 Desember 2008 digolongkan sebagai dalam perhatian khusus. All derivatives receivable as of December 31, 2008 and 2007 were classified as current, except for receivable from PT Busana Remaja Agracipta amounted to Rp35 as of December 31, 2008 which is classified as special mention. Penyisihan kerugian merupakan penyisihan minimum atas tagihan derivatif BNI sesuai dengan peraturan Bank Indonesia. The allowance for losses represents the minimum allowance on derivatives receivable of BNI in compliance with Bank Indonesia regulations. Manajemen berpendapat bahwa jumlah penyisihan kerugian telah memadai. Management believes that the allowance for losses is adequate.

11. PINJAMANPEMBIAYAANPIUTANG YANG

DIBERIKAN 11. LOANSFINANCINGRECEIVABLES Informasi mengenai pinjaman yang diberikan kepada pihak-pihak yang mempunyai hubungan istimewa diungkapkan pada Catatan 38. Informasi mengenai jatuh tempo diungkapkan pada Catatan 44. Loans to related parties are disclosed in Note 38. Information in respect of maturities is disclosed in Note 44.

a. Berdasarkan jenis, mata uang dan transaksi dengan pihak yang mempunyai hubungan

istimewa dan pihak ketiga

a. By type, currency and transactions with related parties and third parties

2008 2007 Pihak-pihak yang mempunyai hubungan istimewa Related parties Rupiah Rupiah Modal kerja 48.537 54.310 Working capital Investasi 33.261 10.770 Investment Konsumen 223.472 15.832 Consumer Jumlah pihak-pihak yang mempunyai hubungan istimewa - Rupiah 305.270 80.912 Total related parties - Rupiah Pihak ketiga Third parties Rupiah Rupiah Modal kerja 46.593.380 36.174.170 Working capital Investasi 19.732.976 12.010.075 Investment Konsumen 16.297.746 12.556.963 Consumer Karyawan 1.950.583 1.758.857 Employees Sindikasi 4.160.416 2.148.389 Syndicated Program Pemerintah 448.502 592.375 Government programs Jumlah Rupiah 89.183.603 65.240.829 Total Rupiah Annual Report 2008 BNI 253 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 11. PINJAMANPEMBIAYAANPIUTANG YANG DIBERIKAN lanjutan

11. LOANSFINANCINGRECEIVABLES continued a. Berdasarkan jenis, mata uang dan transaksi

dengan pihak yang mempunyai hubungan istimewa dan pihak ketiga lanjutan

a. By type, currency and transactions with related parties and third parties continued

2008 2007 Mata uang asing Foreign currencies Modal kerja 10.951.372 14.276.347 Working capital Sindikasi 5.812.302 6.098.801 Syndicated Investasi 5.701.682 2.947.970 Investment Konsumen 40.168 6.329 Consumer Jumlah mata uang asing 22.505.524 23.329.447 Total foreign currencies Jumlah pihak ketiga 111.689.127 88.570.276 Total third parties Jumlah 111.994.397 88.651.188 Total Penyisihan kerugian 5.652.046 5.436.203 Allowance for losses Bersih 106.342.351 83.214.985 Net Pinjaman yang diberikan dalam mata uang asing terutama terdiri dari Dolar Amerika Serikat, Pound Sterling Inggris, Euro Eropa, Yen Jepang, Dolar Hong Kong dan Dolar Singapura. Loans in foreign currencies were principally denominated in United States Dollar, British Pound Sterling, European Euro, Japanese Yen, Hong Kong Dollar and Singapore Dollar. Pinjaman yang diberikan dijamin dengan agunan yang diikat dengan hipotik, hak tanggungan atau surat kuasa untuk menjual, deposito berjangka dan jaminan lain yang diterima. Loans were generally collateralized by registered mortgages, powers of attorney to mortgage or sell, time deposits and by other guarantees. b. Berdasarkan sektor ekonomi b. By economic sector 2008 2007 Rupiah Rupiah Perindustrian 20.951.379 16.325.153 Manufacturing Perdagangan, restoran Trading, restaurants dan hotel 18.651.590 15.767.238 and hotels Jasa dunia usaha 10.828.119 6.561.502 Business services Pengangkutan, pergudangan Transportation, warehousing dan komunikasi 6.724.801 3.446.796 and communications Konstruksi 5.062.393 4.099.889 Construction Pertanian 4.097.868 3.072.329 Agriculture Listrik, gas dan air 2.369.890 317.107 Electricity, gas and water Jasa pelayanan sosial 949.634 651.890 Social services Pertambangan 805.299 489.034 Mining Lain-lain 19.047.900 14.590.803 Others Jumlah Rupiah 89.488.873 65.321.741 Total Rupiah