Berdasarkan jenis dan mata uang By type and currency
a. Berdasarkan jenis dan mata uang lanjutan
a. By type and currency continued
Tujuan dari penerbitan instrumen lindung nilai ini adalah untuk pengelolaan risiko suku bunga yang ditujukan sebagai lindung nilai arus kas yang efektif untuk fasilitas kredit dengan bank lain, dimana posisi positif interest rate gap dalam mata uang asing Bank berisiko terhadap tren kenaikan tingkat suku bunga yang diprediksikan pada waktu itu tetap berlangsung dalam rentang waktu 5 tahun kedepan. Bank memutuskan untuk mengkonversi biaya bunga mengambang menjadi biaya bunga tetap agar risiko kenaikan biaya bunga neto dapat diminimalkan. The purpose of entering into this hedging instrument is to manage the interest rate exposure, that is intended as an effective cash flow hedge to its loan facility with another bank whereby the Bank’s positive foreign currency interest rate gap position is exposed to upward trends in interest rates in the next 5 years. The Bank decided to convert its floating interest rate into a fixed interest rate in order to mitigate the risks of increasing net interest expense. Perubahan pada kerugian yang belum terealisasi pada aktivitas lindung nilai Bank pada laporan perubahan ekuitas konsolidasian: Movements in the unrealized losses on Bank hedging activity in the consolidated statements of changes in equity: 2013 2012 Saldo awal 101,248 143,749 Beginning balance Perubahan nilai wajar 57,756 42,501 Changes in fair value Saldo akhir 43,492 101,248 Ending balance Manajemen berpendapat bahwa tidak diperlukan cadangan kerugian penurunan nilai. Management believes that no allowance for impairment losses is necessary. b. Berdasarkan hubungan b. By relationship 2013 2012 Tagihan derivatif Derivatives receivable Pihak ketiga 177,839 10,571 Third parties Kewajiban derivatif Derivatives payable Pihak ketiga 1,181,732 454,647 Third parties 12. PINJAMAN YANG DIBERIKAN 12. LOANS Informasi mengenai pinjaman yang diberikan kepada pihak-pihak berelasi diungkapkan pada Catatan 41. Loans to related parties are disclosed in Note 41.a. Berdasarkan jenis dan mata uang
a. By type and currency
2013 2012 Rupiah Rupiah Modal kerja 102,253,859 79,215,831 Working capital Konsumen 51,600,028 43,758,484 Consumer Investasi 43,324,539 37,829,939 Investment Sindikasi 11,762,788 11,040,849 Syndicated Karyawan 2,752,229 2,575,081 Employee Program pemerintah 608,411 637,515 Government programs 212,301,854 175,057,699 398 L T h BNI CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2013 DAN 2012 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2013 AND 2012 Expressed in millions of Rupiah, unless otherwise stated 12. PINJAMAN YANG DIBERIKAN lanjutan 12. LOANS continuedParts
» Bank Negara Indonesia Tbk 2013
» Penggantian Anggota Dewan Komisaris dan Pengangkatan Anggota Direksi Penetapan Akuntan Publik
» Pemberian Kredit Organisasi dan Sumber Daya Manusia
» Persetujuan Rencana Bisnis Bank RBB dan Laporan Pengawasan Realisasi RBB
» Risiko Operasional Pandu Djajanto
» Risiko Likuiditas Risiko Hukum
» Risiko Stratejik Pandu Djajanto
» Risiko Kepatuhan Pandu Djajanto
» Risiko Reputasi Pandu Djajanto
» Firman Wibowo Bank Negara Indonesia Tbk 2013
» Pendirian Bank Establishment of the Bank
» Rekapitalisasi lanjutan Recapitalization continued Kuasi-reorganisasi Quasi-reorganisation
» Organisasi Organizational and Management Structure
» Entitas Anak Subsidiaries GENERAL INFORMATION continued
» Entitas Anak lanjutan Subsidiaries continued
» Dasar Basis of preparation of the consolidated
» Perubahan kebijakan akuntansi lanjutan Changes in accounting policies continued
» Aset dan liabilitas keuangan lanjutan Financial assets and liabilities continued
» Prinsip konsolidasian Principles of consolidation
» Transaksi dalam mata uang asing dan
» Instrumen keuangan derivatif lanjutan Derivative financial instruments continued
» Pinjaman yang diberikan lanjutan Loans continued
» Liabilitas segera Obligations due immediately Simpanan nasabah Deposits from customers
» Simpanan nasabah lanjutan Deposits from customers continued
» Simpanan dari bank lain Deposits from other banks
» Kontrak asuransi Insurance contract
» Kontrak asuransi lanjutan Insurance contract continued
» Perpajakan lanjutan Taxation continued
» IKHTISAR SUMMARY Pandu Djajanto
» PENGGUNAAN USE OF CRITICAL ACCOUNTING ESTIMATES
» KAS CASH KAS lanjutan CASH continued GIRO PADA BANK INDONESIA CURRENT ACCOUNTS WITH BANK INDONESIA
» Berdasarkan jenis dan mata uang lanjutan
» Berdasarkan jenis dan mata uang lanjutan By type and currency continued
» Berdasarkan peringkat lanjutan By rating continued
» Berdasarkan jenis dan mata uang By type and currency
» Fasilitas pembiayaan dengan perusahaan Informasi Other significant information relating to
» ASET LAIN-LAIN –NETO OTHER ASSETS – NET
» ASET TETAP lanjutan FIXED ASSETS continued
» Beban pajak lanjutan Tax expense continued
» Beban pajak lanjutan Tax expense continued Aset pajak tangguhan - neto Deferred tax assets - net
» Berdasarkan jenis lanjutan By type continued
» LIABILITAS LAIN-LAIN OTHER LIABILITIES MODAL SAHAM SHARE CAPITAL AND ADDITIONAL PAID-IN CAPITAL
» MODAL SAHAM SHARE CAPITAL AND ADDITIONAL PAID-IN CAPITAL continued
» PENGGUNAAN LABA NETO APPROPRIATION OF NET INCOME
» BEBAN UMUM DAN ADMINISTRASI GENERAL AND ADMINISTRATIVE EXPENSES IMBALAN KERJA EMPLOYEE BENEFITS
» IMBALAN KERJA lanjutan EMPLOYEE BENEFITS continued
» Type of relationships and related parties
» Type of relationships and related parties Pinjaman yang diberikan Loans
» INFORMASI SEGMEN lanjutan SEGMENT INFORMATION continued
» INFORMASI SEGMEN lanjutan SEGMENT INFORMATION continued MANAJEMEN RISIKO RISK MANAGEMENT
» MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued
» MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued RISIKO KREDIT CREDIT RISK
» RISIKO KREDIT lanjutan CREDIT RISK continued
» RISIKO LIKUIDITAS LIQUIDITY RISK
» RISIKO LIKUIDITAS lanjutan LIQUIDITY RISK continued RISIKO PASAR MARKET RISK
» RISIKO PASAR lanjutan MARKET RISK continued
» RISIKO OPERASIONAL OPERATIONAL RISK
» RISIKO OPERASIONALlanjutan OPERATIONAL RISK continued
» NILAI WAJAR FAIR VALUE OF FINANCIAL ASSETS AND LIABILITIES continued
» NILAI WAJAR FAIR VALUE OF FINANCIAL ASSETS AND LIABILITIES continued NILAI WAJAR
» FAIR VALUE OF FINANCIAL ASSETS AND LIABILITIES continued
» MANAJEMEN MODAL CAPITAL MANAGEMENT
» AKTIVITAS JASA LAINNYA OTHER ACTIVITIES
» AKTIVITAS JASA LAINNYA lanjutan OTHER ACTIVITIES continued
» RENCANA BARANG MODAL CAPITAL EXPENDITURE COMMITMENTS PROGRAM PENGGANTI MANAGEMENT -
» PROGRAM PENGGANTI MANAGEMENT - Pandu Djajanto
» PROGRAM PENGGANTI MANAGEMENT - KREDIT KELOLAAN CHANNELING LOANS
» NILAI TERCATAT INSTRUMEN KEUANGAN THE CARRYING AMOUNT OF FINANCIAL
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