Sensitivity to Market Risk Judging from several indicators, namely interest Changes in Memberships of the Board of Directors and the Board of Commissioners The Appointment of Public Accountant The Annual General Meeting of Shareholders Rentabilitas Likuid

BNI฀•฀2010฀Annual฀Report BNI฀•฀Laporan฀Tahunan฀2010 38 BNI฀•฀2010฀Annual฀Report BNI฀•฀Laporan฀Tahunan฀2010

4. Rentability In 2010, net interest income reached Rp 11,720

billion, increased 5.3 compared to that of 2009. The low Net Interest Income growth was due to management focus was on improving asset quality.

5. Liquidity The liquidity position during 2010, both for Rupiah

and Foreign Exchange, showed a highly favorable condition. With higher Secondary Reserve, the position of the Loan to Deposit Ratio LDR at the end of 2010 reached 70.2. The low LDR was due to infrastructure improvements, particularly in the fields of credit, causing relatively low expansion of credit during 2010.

6. Sensitivity to Market Risk Judging from several indicators, namely interest

rate and exchange rate, the level of sensitivity to market risk in 2010 the Company is considered under control. In addition to reporting the results of monitoring the Company’s performance in 2010, the Board of Commissioners deems it necessary to submit to the stakeholders a report on the following matters:

1. Changes in Memberships of the Board of Directors and the Board of Commissioners

The Annual General Meeting of Shareholders for Fiscal 2009 on 12 May 2010 decided to change some members of the Board of Directors and the Board of Commissioners. Respective positions, effective upon approval from Bank Indonesia, will be applied to members of the Board of Commissioners as follows: •฀ Tirta฀Hidayat,฀Vice฀President฀Commissioner,฀ effective on 12 July 2010 •฀ B.S.฀Kusmuljono,฀Independent฀Commissioner,฀ effective on 12 July 2010 •฀ Bagus฀Rumbogo,฀Commissioner,฀effective฀on฀ 12 July 2010 •฀ Ekoputro฀Adijayanto,฀Commissioner,฀effective฀ on 12 July 2010

2. The Appointment of Public Accountant The Annual General Meeting of Shareholders

on 12 May 2010 gave the authority to the Board of Commissioners to appoint a public accountant to perform the external audit work

4. Rentabilitas

Pendapatan Bunga Bersih tahun 2010 mencapai Rp 11.720 miliar, meningkat 5,3 dibandingkan tahun 2009. Masih rendahnya pertumbuhan Pendapatan Bunga Bersih tersebut disebabkan karena manajemen masih menitikberatkan perhatiannya pada perbaikan kualitas aset.

5. Likuiditas

Posisi likuiditas selama tahun 2010, baik untuk mata uang Rupiah maupun Valuta Asing, menunjukkan kondisi yang sangat baik. Tingginya Secondary Reserve tersebut juga menjadikan posisi Loan to Deposit Ratio LDR pada akhir tahun 2010 mencapai 70,2. Rendahnya LDR tersebut disebabkan oleh perbaikan-perbaikan infrastruktur khususnya di bidang perkreditan, yang menyebabkan ekspansi kredit selama tahun 2010 masih relatif rendah.

6. Sensitivitas terhadap Risiko Pasar