RISIKO KREDIT CREDIT RISK

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 - 179 - Page 49. RISIKO KREDIT lanjutan

49. CREDIT RISK continued

ii Informasi kualitas kredit belum jatuh tempo dan tidak mengalami penurunan nilai per tanggal 31 Desember 2015 dan 2014 sebagai berikut: ii The information on the credit quality of neither past due nor impaired financial assets as of 31 December 2015 and 2014 are as follows: - Grup 1 : Debitur baru kurang dari 6 bulan. - Grup 2 : Nasabah lama yang tidak memiliki historis pernah menunggak dalam 3 tahun terakhir. - Grup 3 : Nasabah lama yang memiliki historis pernah menunggak dibawah 90 hari dalam 3 tahun terakhir. - Grup 4 : Nasabah lama yang memiliki historis pernah menunggak diatas 90 hari dalam 3 tahun terakhir. - Grup 5 : Nasabah lama yang pinjamannya pernahtelah direstrukturisasi. - Group 1 : New customers less than 6 months. - Group 2 : Existing customerswith no history of overdue for the past 3 years. - Group 3 : Existing customerswithhistory of overdue below 90 days in the past 3 years. - Group 4 : Existing customerswithhistory of default more than 90 days in the past 3 years. - Group 5 : Existing customerswith loans that washas been restructured. iii Analisis umur pinjaman yang jatuh tempo tetapi tidak mengalami penurunan nilai pada tanggal 31 Desember 2015 dan 2014. iii The aging analysis of past due but not impaired loans as of 31 December 2015 and 2014, respectively. 2015 Kurang dari 30 hari Less than 30 days 31 sampai 60 hari 31 to 60 days Lebih dari 60 hari More than 60 days Total Modal kerja 1,452,114 237,977 2,147,660 3,837,751 Working capital Investasi 32,600 22,766 2,011,542 2,066,908 Investment Konsumen 836,730 96,774 2,326,238 3,259,742 Consumer Sindikasi 58,522 - 290,956 349,478 Syndication Karyawan 534 - 16,608 17,142 Employee Program pemerintah 1,599 - 394 1,993 Government programs Total 2,382,099 357,517 6,793,398 9,533,014 Total Cadangan kerugian Allowance for penurunan nilai 656,610 32,277 1,276,731 1,965,618 impairment losses Neto 1,725,489 325,240 5,516,667 7,567,396 Net 2014 Kurang dari 30 hari Less than 30 days 31 sampai 60 hari 31 to 60 days Lebih dari 60 hari More than 60 days Total Modal kerja 795,218 297,890 1,982,276 3,075,384 Working capital Investasi 2,070 2,295 1,781,595 1,785,960 Investment Konsumen 335,975 11,793 2,269,092 2,616,860 Consumer Karyawan 422 302 20,717 21,441 Employee Program pemerintah - - 63,943 63,943 Government programs Total 1,133,685 312,280 6,117,623 7,563,588 Total Cadangan kerugian Allowance for penurunan nilai 205,477 64,775 832,629 1,102,881 impairment losses Neto 928,208 247,505 5,284,994 6,460,707 Net 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 - 180 - Page 50. RISIKO LIKUIDITAS

50. LIQUIDITY RISK

Pengelolaan dan pemantauan posisi likuiditas BNI berada dalam tanggung jawab Divisi Tresuri. Untuk memenuhi kebutuhan likuiditas BNI, Primary Reserve dijaga dalam bentuk giro pada Bank Indonesia agar memenuhi ketentuan Bank Indonesia. The management and monitoring of BNI’s liquidity position is under the responsibility of the Treasury Division. For BNI ’s liquidity purposes, Primary Reservesare maintained in the form of current accounts with Bank Indonesia to comply with Bank Indonesia regulations. Selain itu ditetapkan pula jumlah pagu kas cabang dan Secondary Reserve yang ideal. Penetapan pagu kas cabang ditujukan agar cabang dapat memenuhi liabilitas jangka pendeknya berupa penarikan dana pihak ketiga, sekaligus menjaga kondisi kas cabang agar tidak idle. Secondary Reserve yang ideal ditetapkan sebagai dana untuk berjaga-jaga dan ditetapkan oleh Risk and Capital Committee BNI secara periodik. In addition, the branch cash limit and the ideal Secondary Reserve amounts are also determined. The purpose of the branch cash limit is to enable the branch to meet their short-term obligation in the form of withdrawals of third party funds and to avoid idle cash in the branches. An ideal Secondary Reserve is set up as a precautionary reserve and is determined periodically by BNI’s Risk and Capital Committee. Tabel di bawah ini menunjukkan sisa jatuh tempo kontraktual dari liabilitas keuangan berdasarkan pada undiscounted cash flows. The table below shows the remaining contractual maturities of the financial liabilities based on undiscounted cashflows. 2015 Kurang dari Lebih dari 1 Bulan 1 - 3 3 - 6 6 - 12 12 Bulan Less than Bulan Bulan Bulan More than 1 Month Months Months Months 12 Months Total LIABILITAS LIABILITIES Liabilitas segera 1,805,494 - - - - 1,805,494 Obligations due immediately Simpanan nasabah 98,252,493 29,295,389 7,327,511 10,563,866 210,291,080 355,730,339 Deposits from customers Simpanan dari bank lain 2,914,290 1,292,534 15,161 14,951 11,122 4,248,058 Deposits from other banks Liabilitas derivatif 1,161,557 - - - - 1,161,557 Derivatives payable Liabilitas akseptasi 1,596,434 2,084,019 1,595,841 911,964 - 6,188,258 Acceptances payable Efek-efek yang diterbitkan - 11,375 153,533 164,908 7,602,908 7,932,724 Securities issued Efek-efek yang dijual Securities sold under dengan janji dibeli kembali - - 341,920 18,119 2,803,103 3,163,142 agreements to repurchase Pinjaman yang diterima 98,004 1,126,544 327,219 3,951,109 22,710,123 28,212,999 Borrowings Liabilitas lain-lain 6,392,122 1,123 1,197 - 21,318 6,415,760 Other liabilities Total 112,220,394 33,810,984 9,762,382 15,624,917 243,439,654 414,858,331 Total Total aset 120,924,603 3,268,499 2,973,721 2,375,401 40,820,558 170,362,782 Total assets KOMITMEN DAN COMMITMENT AND KONTINJENSI CONTINGENCIES Fasilitas kredit kepada debitur yang belum digunakan 38,265,234 - - - - 38,265,234 Unused loan facilities Irrevocable letter of credit Outstanding irrevocable yang masih berjalan 2,143,049 1,466,361 1,217,011 2,360,510 1,960,715 9,147,646 letters of credit Garansi yang diterbitkan 8,920,920 3,873,832 6,023,900 8,894,496 18,011,340 45,724,488 Guarantees issued Total 49,329,203 5,340,193 7,240,911 11,255,006 19,972,055 93,137,368 Total Liabilitas lain-lain terdiri dari utang ke pemegang polis, setoran jaminan, nota kredit dalam penyelesaian, utang reasuransi dan komisi, serta utang nasabah Entitas Anak. Other liabilities consist of obligation to policy holders, guarantee deposits, credit memo in process, reinsurance payable and commission, and payable to customer - Subsidiary..