Realisasi Laba Rugi Actual Proit Loss

2010 Annual Report BNI Syariah Aktiva Produktif earning Assets Pembiayaan Surat Berharga SBISIFASBIS Penempatan pada Bank Lain Rekening Administratif Total Aktiva Produktif 3,558,485 1,250,355 885,000 284,563 38,848 6,017,251 3,134,532 1,415,413 215,000 227,292 24,048 5,016,285 3,265,445 441,167 350,000 569,790 39,980 4,666,382 FInancing Marketable Securities SBISFASBIS Placement with Other Banks Administrative Accounts Total Productive Assets Des 2009 Juni 2010 Des 2010 Uraian Description Sebelum spin of Before spin of Sesudah spin of After spin of Dalam jutaan Rupiah In million Rupiahs Periode 19 Juni - 30 Juni Period of June 19 - June 30 Periode 19 Juni - 31 Desember Period of June 19 - December 31 b. ekuitas ekuitas BNI Syariah per Desember 2010 sebesar Rp1,051 triliun meningkat sebesar Rp103,6 miliar dari posisi Juni 2010 sebesar Rp947,8 miliar. hal tersebut diperoleh dari adanya peningkatan laba BNI Syariah. c. Modal Saham Modal ditempatkan dan disetor penuh sebesar Rp1.001.000 juta, dengan perincian : - PT Bank Negara Indonesia Persero Tbk: Rp1.000.000 juta 99,9 - PT BNI life Insurance: Rp1.000 juta 0,1

2. Realisasi Laba Rugi

a. Pendapatan operasional Total pendapatan operasional yang terdiri dari pendapatan margin dan bagi hasil, penempatan dan investasi dan fee based income pada Desember 2010 sebesar Rp447,9 miliar, meningkat sebesar Rp405,7 miliar dari posisi Juni 2010 sebesar Rp42,2 miliar. Posisi Desember 2009 sebesar Rp537,7 miliar. Sementara itu pendapatan operasional tahun 2010 terdiri dari: - Marjin dan bagi hasil : Rp394,2 miliar - Penempatan dan investasi : Rp23,4 miliar - Fee based income : Rp30,3 miliar b. Beban usaha Total beban usaha yang berasal dari beban bagi hasil terdiri dari beban bonus nasabah Simpanan wadiah, beban bagi hasil nasabah tabungan dan deposito. Pada Desember 2010 total beban bagi hasil sebesar Rp140,1 miliar, meningkat sebesar Rp123,9 miliar dari posisi Juni 2010 sebesar Rp16,2 miliar. Posisi Desember 2009 sebesar Rp231,3 miliar. b. equity BNI Syariah equity as of December 2010 amounted to Rp1,051 trillion, an increase of Rp103,6 billion from the position in June 2010 amounted to Rp947,8 billion. This is obtained from an increase in BNI Syariah proit. c. Share Capital Issued and fully paid for Rp1.001.000 million, with the details: - PT Bank Negara Indonesia Persero Tbk: Rp1,000,000 million 99.9 - PT BNI life Insurance: Rp1,000 million 0.1

2. Actual Proit Loss

a. operating Income Total operating income consists of earnings margin revenue sharing, placement and investment and fee based income in December 2010 amounted to Rp447.9 billion, an increase of Rp405.7 billion from the position in June 2010 amounted to Rp42.2 billion. As of December 2009 amounted to Rp537.7 billion. Meanwhile, operating income in 2010 consisted of: - Margin proit sharing: Rp394.2 billion - Placement Investment: Rp23.4 billion - Fee based income: Rp30.3 billion b. operating expenses Total operating expenses arising from the expenses of revenue sharing consists of expenses of bonuses from wadiah deposits customers, revenue sharing expense savings and deposit customers. In December 2010 the total of revenue sharing was Rp140.1 billion, an increase of Rp123.9 billion from the position in June 2010 amounted to Rp16.2 billion. As of December 2009 amounted to Rp231,3 billion. laporan Tahunan BNI Syariah 2010 c. laba Bersih BNI Syariah pada Desember 2010 mampu membukukan laba bersih laba setelah pajak sebesar Rp36,5 miliar, meningkat sebesar Rp89,7 miliar dari posisi Juni 2010 rugi sebesar Rp53,2 miliar. Posisi Desember 2009 rugi sebesar Rp186,5 miliar. c. Nett Proit BNI Syariah in December 2010 recorded net proit proit after tax amounted to Rp36.5 billion, an increase of Rp89.7 billion from the position in June 2010 loss amounted to Rp53.2 billion. Position in December 2009 loss amounted to Rp186.5 billion. Rasio Keuangan utama