Berdasarkan hubungan By relationship Berdasarkan kolektibilitas Bank Indonesia By Bank Indonesia collectibility Cadangan kerugian penurunan nilai Allowance for impairment losses Tingkat suku bunga per tahun Annual interest rates

393 2013 Annual Report BNI DAN ENTITAS ANAKAND SUBSIDIARIES 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

9. WESEL

EKSPOR DAN TAGIHAN LAINNYA lanjutan

9. BILLS AND OTHER RECEIVABLES continued

b. Berdasarkan hubungan

b. By relationship

2013 2012 Pihak ketiga 3,422,363 2,842,311 Third parties Cadangan kerugian Allowance for penurunan nilai 5,484 2,812 impairment losses Neto 3,416,879 2,839,499 Net

c. Berdasarkan kolektibilitas Bank Indonesia

c. By Bank Indonesia collectibility

2013 2012 Pokok Principal Cadangan kerugian penurunan nilai Allowance for impairment losses Pokok Principal Cadangan kerugian penurunan nilai Allowance for impairment losses Lancar 3,421,741 5,084 2,842,311 2,812 Pass Macet 622 400 - - Loss 3,422,363 5,484 2,842,311 2,812

d. Cadangan kerugian penurunan nilai

d. Allowance for impairment losses

Perubahan cadangan kerugian penurunan nilai adalah sebagai berikut: Movements in the allowance for impairment losses are as follows: 2013 2012 Saldo awal 2,812 19,021 Beginning balance Penyisihan selama tahun berjalan 8,277 30,136 Allowance during the year Penyesuaian karena penjabaran Foreign exchange translation mata uang asing 5,605 46,345 adjustment Saldo akhir 5,484 2,812 Ending balance Manajemen berpendapat bahwa jumlah cadangan kerugian penurunan nilai yang dibentuk tersebut telah memadai. Management believes that the above allowance for impairment losses is adequate .

e. Tingkat suku bunga per tahun

e. Annual interest rates

Dolar Amerika Serikat United States Rupiah Dollar Euro 2013 7.84 - 8.84 3.67 - 5.35 1.20 - 3.66 2013 2012 7.29 - 8.29 1.30 - 5.51 - 2012 394 2013 Annual Report BNI DAN ENTITAS ANAKAND SUBSIDIARIES 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 10. TAGIHAN AKSEPTASI 10. ACCEPTANCES RECEIVABLE