Loans RELATED PARTY TRANSACTIONS continued b. Pinjaman yang diberikan

DAN ENTITAS ANAKAND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2015 DAN 2014 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2015 AND 2014 Expressed in millions of Rupiah, unless otherwise stated Halaman - 169 - Page 47. INFORMASI SEGMEN lanjutan

47. SEGMENT INFORMATION continued

2014 Korporasi Corporate Komersial dan Kecil Commercial and Small Konsumer dan Ritel Consumer and Retail Tresuri dan Insitusi Keuangan Treasury and Financial Institution Kantor Pusat Head Office Entitas Anak Subsidiaries Penyesuaian dan eliminasi Adjustment and elimination Konsolidasi Consolidation Pendapatan bunga dan pendapatan Interest income and syariah - neto 6,912,876 5,784,820 7,216,764 1,841,959 - 1,372,242 367,271 22,761,390 sharia income - net Pendapatan premi - neto - - - - - 132,473 - 132,473 Premium income - net Pendapatan operasional lainnya 1,586,655 1,443,336 4,029,112 1,883,842 27,430 713,475 774,229 8,854,761 Other operating income Pembentukan cadangan kerugian Allowance for penurunan nilai 119,463 2,467,279 812,812 54,464 87,000 100,974 - 3,641,992 impairment losses Beban operasional Other operating lainnya 1,328,167 2,476,876 5,217,427 939,951 2,945,827 1,852,093 - 14,760,341 expenses Laba operasional 7,051,901 2,284,001 5,215,637 2,731,386 3,060,257 265,123 1,141,500 13,346,291 Operating income Pendapatanbeban bukan operasional - Non operating income neto 3,788 35 1,225 29,133 10,340 154,178 - 178,019 expenses - net Laba sebelum Income before beban pajak 7,055,689 2,284,036 5,216,862 2,760,519 3,070,597 419,301 1,141,500 13,524,310 tax expense Total aset 127,637,404 74,023,104 54,614,498 126,393,607 23,459,422 28,406,749 17,961,076 416,573,708 Total assets Total liabilitas 76,736,138 60,770,350 162,048,062 30,351,966 7,658,387 6,954,483 3,370,732 341,148,654 Total liabilities Informasi yang berkaitan dengan segmen geografis BNI dan Entitas Anak disajikan dalam tabel di bawah ini: Information concerning the geographical segment of BNI and Subsidiaries are set out in the table below: 2015 Indonesia New York Eropa Europe Asia Penyesuaian dan eliminasi Adjustment and elimination Konsolidasi Consolidated Pendapatan bunga dan Interest income and pendapatan syariah - neto 25,306,375 52,454 41,138 193,989 33,760 25,560,196 sharia income - net Pendapatan premi - neto 825,662 - - - - 825,662 Premium income - net Pendapatan operasional lainnya 8,872,574 57,140 54,506 220,928 332,768 8,872,380 Other operating income Pembentukan cadangan Allowance for impairment kerugian penurunan nilai 7,321,538 - - 14,721 - 7,336,259 losses Beban operasional lainnya 16,097,072 58,324 72,473 282,029 - 16,509,898 Other operating expenses Laba operasional 11,586,001 51,270 23,171 118,167 366,528 11,412,081 Operating income Pendapatanbeban bukan Non operating income operasional - neto 12,311 553 578 8,021 33,760 54,067 expenses - net Laba sebelum beban pajak 11,598,312 51,823 22,593 126,188 332,768 11,466,148 Income before tax expense Beban pajak 2,325,616 - - - - 2,325,616 Tax expense Laba bersih 9,272,696 51,823 22,593 126,188 332,768 9,140,532 Net income Total aset 481,410,175 5,421,192 4,823,828 23,807,874 6,867,781 508,595,288 Total assets Total liabilitas 380,167,017 5,495,864 4,833,195 23,553,510 1,321,909 412,727,677 Total liabilities DAN ENTITAS ANAKAND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2015 DAN 2014 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2015 AND 2014 Expressed in millions of Rupiah, unless otherwise stated Halaman - 170 - Page 47. INFORMASI SEGMEN lanjutan

47. SEGMENT INFORMATION continued

2014 Indonesia New York Eropa Europe Asia Penyesuaian dan eliminasi Adjustment and elimination Konsolidasi Consolidated Pendapatan bunga dan Interest income and pendapatan syariah-neto 22,558,683 44,970 48,806 108,931 - 22,761,390 sharia income-net Pendapatan premi-neto 132,473 - - - - 132,473 Premium income-net Pendapatan operasional lainnya 8,433,770 166,401 103,524 477,350 326,284 8,854,761 Other operating income Pembentukan cadangan Allowance for impairment kerugian penurunan nilai 3,606,657 2,622 - 32,713 - 3,641,992 losses Beban operasional lainnya 14,424,408 50,985 74,382 277,232 66,666 14,760,341 Other operating expenses Laba operasional 13,093,861 157,764 77,948 276,336 259,618 13,346,291 Operating income Pendapatanbeban bukan Non operating income operasional-neto 150,620 984 946 27,361 - 178,019 expenses-net Laba sebelum beban pajak 13,244,481 158,748 77,002 303,697 259,618 13,524,310 Income before tax expense Beban pajak 2,694,931 - - - - 2,694,931 Tax expense Laba bersih 10,549,550 158,748 77,002 303,697 259,618 10,829,379 Net income Total asset 400,007,182 3,537,286 4,567,376 16,486,276 8,024,412 416,573,708 Total assets Total liabilitas 320,749,518 3,505,365 4,462,044 15,235,253 2,803,526 341,148,654 Total liabilities 48. MANAJEMEN RISIKO 48. RISK MANAGEMENT Risiko dalam konteks perbankan merupakan suatu potensi kejadian, baik yang dapat diperkirakan expected maupun yang tidak dapat diperkirakan unexpected yang berdampak negatif terhadap pendapatan dan permodalan bank. Manajemen risiko adalah serangkaian metodologi dan prosedur yang digunakan untuk mengidentifikasi, mengukur, memantau, dan mengendalikan risiko yang timbul dari seluruh kegiatan usaha Bank, termasuk upaya untuk memitigasi danatau meminimalkan kerugian finansial maupun non-finansial yang mungkin timbul dari produk atau aktivitas bank, hubungan antara bank dengan nasabah maupun dalam internal bank. Penerapan manajemen risiko di BNI berpedoman pada Surat Edaran Bank Indonesia SEBI No. 1323DPNP tanggal 25 Oktober 2011 tentang Penerapan Manajemen Risiko bagi Bank Umum, dan pada Peraturan OJK POJK No. 17POJK.032014 tahun 2014 tentang Penerapan Manajemen Risiko Terintegrasi Bagi Konglomerasi Keuangan, mengingat BNI merupakan bagian dari sektor jasa keuangan yang memiliki beberapa anak perusahaan yang tergabung dalam suatu konglomerasi keuangan, serta secara internasional berpedoman pada dokumen dari Basel Committee on Banking Supervision BCBS. Penerapan Manajemen Risiko didasari oleh kebutuhan akan keseimbangan fungsi bisnis dengan pengelolaan risiko, dimana manajemen risiko menjadi strategic partner dari Unit Bisnis untuk mengoptimalkan pendapatan dari Unit Bisnis secara keseluruhan. Risks in the context of banking is a potential events, neither of which can be estimated expected and which can not be estimated unexpected that can give negative impact to the Bank earnings and capital. Risk management is a set of methodologies and procedures used to identify, measure, monitor, and control the risks arising from the entire Banks business activities, including the efforts to mitigate andor minimize financial or non-financial losses that may arise from products or activities of the Bank, the relationship between the Bank and its customer also within the internal Bank. The Implementation of risk management in BNI is based on not only Bank Indonesia’s regulations SEBI No. 1323DPN dated 25 October 2011 about the implementation of Risk Management for Commercial Bank, also the Financial Services Authority regulations POJK about the Implementation of Integrated Risk Management for Financial Conglomeration, considering BNI as part of financial services sector that has several subsidiary companies incorporated in a financial conglomerate, and also internationally use the Basel Committee on Banking Supervision BCBS documents as guidelines. The risk management implementation based on the needs to balance the business functions with the risk management, where risk management becoming a strategic partner for the Business Units to optimize the revenue from the operation’s of entity as a whole.