KOMITMEN DAN KONTINJENSI lanjutan COMMITMENTS TRANSAKSI DENGAN RELATED PARTY TRANSACTIONS continued a.

473 BNI Laporan Tahunan 2014 DAN ENTITAS ANAKAND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2014 DAN 2013 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2014 AND 2013 Expressed in millions of Rupiah, unless otherwise stated 43. KOMITMEN DAN KONTINJENSI lanjutan 43. COMMITMENTS AND CONTINGENCIES continued Transaksi komitmen dan kontinjensi yang terjadi dalam kegiatan normal BNI yang mempunyai risiko kredit adalah sebagai berikut: Commitments and contingent transactions in the normal course of BNI’s activities that have credit risk are as follows: 2014 2013 Garansi bank yang diterbitkan Bank guarantees issued Pihak yang berelasi Catatan 44d 11,326,918 8,859,853 Related parties Note 44d Pihak ketiga 24,304,561 18,833,193 Third parties Irrevocable letters of credit Irrevocable letters of credit Pihak ketiga 8,783,834 10,220,229 Third parties 44,415,313 37,913,275 Transaksi komitmen dan kontinjensi yang mempunyai risiko kredit berdasarkan kolektibilitas adalah sebagai berikut: Commitments and contingent transactions that have credit risk by collectibility are as follows: 2014 2013 Lancar 43,396,068 36,512,870 Pass Dalam perhatian khusus 1,012,310 1,382,543 Special mention Kurang lancar - 304 Substandard Diragukan 3,996 - Doubtful Macet 2,939 17,558 Loss Jumlah 44,415,313 37,913,275 Total 44. TRANSAKSI DENGAN PIHAK BERELASI 44. RELATED PARTY TRANSACTIONS Dalam kegiatan normal usaha, BNI melakukan transaksi dengan pihak berelasi karena hubungan kepemilikan danatau kepengurusan. Semua transaksi dengan pihak-pihak berelasi telah dilakukan dengan kebijakan dan syarat yang telah disepakati bersama. In the normal course of business, BNI enters into certain transactions with parties which are related to the management andor owned by the same ultimate shareholder. All transactions with related parties have met the agreed terms and conditions.

a. Jenis hubungan

a. Type of relationships

Pihak berelasiRelated parties Jenis hubunganTypes of relationship Adhi Karya Pengendalian melalui Pemerintah Republik IndonesiaControl through The Government of The Republic of Indonesia Amarta Karya Pengendalian melalui Pemerintah Republik IndonesiaControl through The Government of The Republic of Indonesia Aneka Tambang Pengendalian melalui Pemerintah Republik IndonesiaControl through The Government of The Republic of Indonesia Angkasa Pura I Pengendalian melalui Pemerintah Republik IndonesiaControl through The Government of The Republic of Indonesia BNI Laporan Tahunan 2014 DAN ENTITAS ANAKAND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2014 DAN 2013 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2014 AND 2013 Expressed in millions of Rupiah, unless otherwise stated

44. TRANSAKSI DENGAN

PIHAK BERELASI lanjutan

44. RELATED PARTY TRANSACTIONS continued a.

Jenis hubungan lanjutan a. Type of relationships continued Pihak berelasiRelated parties Jenis hubunganTypes of relationship Angkasa Pura II Pengendalian melalui Pemerintah Republik IndonesiaControl through The Government of The Republic of Indonesia ASABRI Pengendalian melalui Pemerintah Republik IndonesiaControl through The Government of The Republic of Indonesia ASDP Pengendalian melalui Pemerintah Republik IndonesiaControl through The Government of The Republic of Indonesia Askrindo Pengendalian melalui Pemerintah Republik IndonesiaControl through The Government of The Republic of Indonesia Asuransi Ekspor Indonesia Pengendalian melalui Pemerintah Republik IndonesiaControl through The Government of The Republic of Indonesia Asuransi Jasa Indonesia Pengendalian melalui Pemerintah Republik IndonesiaControl through The Government of The Republic of Indonesia Asuransi Jasa Raharja Pengendalian melalui Pemerintah Republik IndonesiaControl through The Government of The Republic of Indonesia Asuransi Jiwasraya Pengendalian melalui Pemerintah Republik IndonesiaControl through The Government of The Republic of Indonesia Asuransi Kesehatan Indonesia Pengendalian melalui Pemerintah Republik IndonesiaControl through The Government of The Republic of Indonesia Bahana PUI Pengendalian melalui Pemerintah Republik IndonesiaControl through The Government of The Republic of Indonesia Balai Pustaka Pengendalian melalui Pemerintah Republik IndonesiaControl through The Government of The Republic of Indonesia Bank Ekspor Indonesia Pengendalian melalui Pemerintah Republik IndonesiaControl through The Government of The Republic of Indonesia Barata Indonesia Pengendalian melalui Pemerintah Republik IndonesiaControl through The Government of The Republic of Indonesia Batan Teknologi Pengendalian melalui Pemerintah Republik IndonesiaControl through The Government of The Republic of Indonesia PT Berdikari Persero Tbk Pengendalian melalui Pemerintah Republik IndonesiaControl through The Government of The Republic of Indonesia Bina Karya Pengendalian melalui Pemerintah Republik IndonesiaControl through The Government of The Republic of Indonesia Bio Farma Pengendalian melalui Pemerintah Republik IndonesiaControl through The Government of The Republic of Indonesia 475 BNI Laporan Tahunan 2014 DAN ENTITAS ANAKAND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2014 DAN 2013 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2014 AND 2013 Expressed in millions of Rupiah, unless otherwise stated

44. TRANSAKSI DENGAN