Contingency Receivables 2011 Strategic Policies
73.2 Contingency Receivables
Net Kewajiban Kontinjensi Contingency Payables Garansi yang diberikan 11,513 15,058 3,545 30.8 Interest Receivable on Non Performing Assets Lainnya Others Kewajiban Kontinjensi Bersih 11,513 15,058 3,545 30.8 Contingency Payables Net Aktivitas penyaluran pinjaman yang diberikan mengakibatkan terjadinya komitmen dan kontinjensi. Komitmen merupakan kesanggupan penyediaan pembiayaan atas suatu instrumen keuangan yang menimbulkan pengakuan aset atau liabilitas dalam suatu periode tertentu, sedangkan kontinjensi merupakan kemungkinan aset atau liabilitas yang dapat terbentuk sebagai dampak dari transaksi kredit maupun transaksi akseptasi. Komitmen naik sebesar 56,2 sebesar Rp 43,0 triliun dari tahun sebelumnya sebesar Rp 28,0 triliun dikarenakan pertumbuhan pinjaman sebesar 19,9. Adapun peningkatan di sisi tagihan dan kewajiban kontinjensi masing- masing sebesar 73,2 dan 30,8 dibanding tahun sebelumnya. Derivatif dan Fasilitas Lindung Nilai Untuk memenuhi kebutuhan dana valuta asing jangka panjang, salah satu cara yang dilakukan oleh BNI adalah melakukan transaksi derivatif swap dengan tenor panjang. Secara keseluruhan transaksi derivatif yang dilakukan sampai dengan akhir tahun 2011 adalah sebesar ekuivalen Rp 7,7 triliun. Untuk mengantisipasi perubahan tingkat suku bunga, BNI juga melakukan transaksi derivatif sebagai alat lindung nilai dengan tujuan utama untuk memenuhi aspek manajemen risiko. Transaksi derivatif dilakukan untuk memenuhi kebutuhan dana valuta asing jangka panjang dan transaksi lindung nilai guna kepentingan murni proteksi dan tidak ditujukan untuk kepentingan spekulasi. Lending activities resulted in commitments and contingencies. Commitment is the ability of financing a financial instrument that lead to the recognition of an asset or liability in a given period, while contingency refers to a possible asset or liability which may be formed as a result of acceptance of transactions and credit transactions. Commitments rose by 56.2 to Rp 43.0 trillion from the previous year’s Rp 28.0 billion, due to loan growth of 19.9. Meanwhile, contingency receivables and liabilities grew by 73.2 and 30.8, respectively, over the previous year. Derivative and Hedging Facility To secure long-term funding in foreign currencies, BNI among other things engages in long-term derivative swap transactions. Total value of derivative transactions up until year-end 2011 amounted to an equivalent of Rp 7.7 trillion. In anticipation of changes in interest rates, BNI also engages in derivative transactions for hedging purposes, the main intent being in the interest of risk management. Derivative transactions are undertaken to meet the long-term needs for foreign currencies funding and for hedging purposes for value protection, and not for speculative purposes. BNI 80 Pengungkapan Lain-Lain Kemampuan Membayar Hutang Selama tahun 2011, BNI memiliki tingkat likuiditas yang cukup, baik dalam mata uang Rupiah maupun Valuta Asing, sehingga BNI dapat memenuhi seluruh liabilitas jangka pendek maupun jangka panjang. Salah satu hutang yang jatuh tempo pada bulan Juli 2011 sebesar Rp 1,0 triliun berasal dari surat berharga diterbitkan dengan tingkat bunga tetap sebesar 13,1 per annum telah diselesaikan pembayarannya oleh BNI dengan baik. Tingkat Kolektibilitas Piutang Kolektibilitas portofolio pinjaman yang diberikan BNI disajikan pada tabel berikut: 2011 Lancar 122,735 149,882 27,148 22.1 Current Dalam Perhatian Khusus 7,809 7,734 74 1.0 Special Mention Kurang Lancar 1,600 477 1,123 70.2 Substandard Diragukan 736 722 14 1.9 Doubtful Macet 3,478 4,718 1,240 35.6 Loss Total 136,357Parts
» Langkah-langkah Strategis 2011 Bank’s Strategic Direction
» Strategic Initiatives in 2011 Kebijakan Stategis 2011
» Contingency Receivables 2011 Strategic Policies
» Risiko Kredit bni ar 2011 th
» Risiko Likuiditas bni ar 2011 th
» Liquidity Risk bni ar 2011 th
» Risiko Operasional Operational Risk
» Risiko Operasional, perbaikan terhadap Loss Other Risk, Regulatory Capital Allocation RCAP,
» Komite Audit Audit Committee
» GENERAL a. Pendirian bni ar 2011 th
» IKHTISAR KEBIJAKAN bni ar 2011 th
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» IKHTISAR KEBIJAKAN AKUNTANSI lanjutan SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» IKHTISAR KEBIJAKAN AKUNTANSI lanjutan SUMMARY OF SIGNIFICANT ACCOUNTING
» CASH GIRO PADA BANK INDONESIA CURRENT ACCOUNTS WITH BANK INDONESIA
» CURRENT ACCOUNTS WITH OTHER BANKS a. Berdasarkan mata uang
» PENEMPATAN PADA BANK LAIN DAN BANK PLACEMENTS WITH OTHER BANKS AND BANK INDONESIA continued
» MARKETABLE SECURITIES bni ar 2011 th
» SURAT-SURAT BERHARGA bni ar 2011 th
» DERIVATIVES RECEIVABLE AND PAYABLE continued
» DERIVATIVES RECEIVABLE AND PAYABLE continued PINJAMAN YANG DIBERIKAN LOANS
» LOANS continued a. bni ar 2011 th
» LOANS continued b. Transaksi dengan pihak tertentu lanjutan
» LOANS continued c. Berdasarkan sektor ekonomi lanjutan
» LOANS continued e. bni ar 2011 th
» LOANS continued g. bni ar 2011 th
» LOANS continued i. bni ar 2011 th
» LOANS continued k. bni ar 2011 th
» LOANS continued l. Informasi pokok lainnya sehubungan OBLIGASI PEMERINTAH GOVERNMENT BONDS
» GOVERNMENT BONDS continued a. Berdasarkan jenis dan mata uang lanjutan
» GOVERNMENT BONDS continued a.
» PENYERTAAN SAHAM EQUITY INVESTMENTS EQUITY INVESTMENTS continued
» ASET TETAP FIXED ASSETS FIXED ASSETS continued
» OTHER ASSETS – NET bni ar 2011 th
» LIABILITAS SEGERA OBLIGATIONS DUE IMMEDIATELY DEPOSITS FROM CUSTOMERS
» DEPOSITS FROM CUSTOMERS continued a. Berdasarkan jenis dan mata uang lanjutan
» DEPOSITS FROM CUSTOMERS continued b.
» LIABILITAS AKSEPTASI ACCEPTANCES PAYABLE ACCEPTANCES PAYABLE continued a.
» ACCEPTANCES PAYABLE c. SURAT-SURAT BERHARGA MARKETABLE SECURITIES ISSUED
» PINJAMAN YANG DITERIMA BORROWINGS BORROWINGS continued a.
» BORROWINGS continued a. Berdasarkan jenis dan mata uang lanjutan
» PERPAJAKAN TAXATION TAXATION continued b. Beban
» TAXATION continued b. Beban pajak lanjutan
» TAXATION continued c. Aset pajak tangguhan
» TAXATION continued e. Surat ketetapan pajak lanjutan LIABILITAS LAIN-LAIN OTHER LIABILITIES
» PENGGUNAAN LABA NETO APPROPRIATION OF NET INCOME APPROPRIATION OF NET INCOME continued
» CADANGAN UMUM DAN WAJIB GENERAL AND LEGAL RESERVES CADANGAN KHUSUS SPECIFIC RESERVES
» SALARIES AND EMPLOYEE BENEFITS BEBAN UMUM DAN ADMINISTRASI GENERAL AND ADMINISTRATIVE EXPENSES
» EMPLOYEE BENEFITS Program pensiun manfaat pasti
» EMPLOYEE BENEFITS continued Program pensiun manfaat pasti lanjutan
» IMBALAN KERJA lanjutan EMPLOYEE BENEFITS continued
» EMPLOYEE BENEFITS continued Imbalan kerja jangka panjang lainnya lanjutan
» COMMITMENTS AND CONTINGENCIES TRANSAKSI DENGAN PIHAK BERELASI RELATED PARTY TRANSACTIONS
» RELATED PARTY TRANSACTIONS continued a. Jenis hubungan dan unsur transaksi pihak
» RELATED PARTY TRANSACTIONS continued a.
» RELATED PARTY TRANSACTIONS continued d. Surat berharga lanjutan
» RELATED PARTY TRANSACTIONS continued g. Pinjaman
» KEPENTINGAN NONPENGENDALI NON-CONTROLLING INTEREST SEGMENT INFORMATION
» SEGMENT INFORMATION continued bni ar 2011 th
» SEGMENT INFORMATION continued RISK MANAGEMENT
» RISK MANAGEMENT continued bni ar 2011 th
» CREDIT RISK continued bni ar 2011 th
» CREDIT RISK continued RISIKO LIKUIDITAS LIQUIDITY RISK
» LIQUIDITY RISK continued bni ar 2011 th
» RISIKO PASAR MARKET RISK MARKET RISK continued
» MARKET RISK continued i Risiko tingkat suku bunga lanjutan
» MARKET RISK continued ii. Risiko mata uang lanjutan
» OPERATIONAL RISK bni ar 2011 th
» OPERATIONAL RISK continued bni ar 2011 th
» NILAI WAJAR ASET DAN LIABILITAS KEUANGAN FAIR VALUE OF FINANCIAL ASSETS AND LIABILITIES
» FAIR VALUE OF FINANCIAL ASSETS AND LIABILITIES continued
» AKTIVITAS JASA LAINNYA OTHER ACTIVITIES
» OTHER ACTIVITIES continued Kegiatan Jasa Kustodian lanjutan
» OTHER ACTIVITIES continued Kegiatan Jasa Kustodian lanjutan HAL-HAL LAINNYA OTHER MATTERS
» OTHER MATTERS continued bni ar 2011 th
» CAPITAL EXPENDITURE COMMITMENTS PROGRAM PENGGANTI MANAGEMENT - EMPLOYEE STOCK
» MANAGEMENT - EMPLOYEE STOCK KREDIT KELOLAAN CHANNELING LOANS
» INFORMASI KEUANGAN TAMBAHAN SUPPLEMENTARY FINANCIAL INFORMATION
» MANAGEMENT’S RESPONSIBILITY ON THE CONSOLIDATED FINANCIAL STATEMENTS 2011
» December December 2011 bni ar 2011 th
» December December December December
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