CREDIT RISK continued RISIKO LIKUIDITAS LIQUIDITY RISK

BNI ฀ ฀ ฀ 478 are in Indonesian language. PT BANK NEGARA INDONESIA PERSERO Tbk DAN ENTITAS ANAK CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN Tahun yang Berakhir pada Tanggal-tanggal 31 Desember 2011 dan 2010 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain PT BANK NEGARA INDONESIA PERSERO Tbk AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS Years Ended December 31, 2011 and 2010 Expressed in millions of Rupiah, unless otherwise stated 41. RISIKO KREDIT lanjutan

41. CREDIT RISK continued

xi Pinjaman yang diberikan lanjutan xi Loans continued 2010 Mengalami penurunan nilai Impaired Tidak mengalami penurunan nilai Individual Kolektif Total Not impaired Individual Collective Total Mata uang asing: Foreign currencies: Perindustrian 3.990.550 1.273.272 6.010 5.269.832 Manufacturing Pertambangan 5.032.357 - - 5.032.357 Mining Jasa dunia usaha 2.165.300 2.665 5.765 2.173.730 Business services Listrik, gas dan air 1.713.172 125.382 - 1.838.554 Electricity, gas and water Perdagangan, restoran dan hotel 1.049.093 - 10.153 1.059.246 Trading, restaurants and hotels Pengangkutan, pergudangan Transportation, warehousing dan komunikasi 529.875 26.329 - 556.204 and communications Pertanian 470.381 61.538 - 531.919 Agriculture Konstruksi 14.815 - - 14.815 Construction Lain-lain 2.817.606 33.143 24.886 2.875.635 Others Total mata uang asing 17.783.149 1.522.329 46.814 19.352.292 Total foreign currencies Total 127.177.911 7.487.248 1.691.800 136.356.959 Total Penyisihan kerugian Allowance for penurunan nilai 1.399.379 4.603.874 954.139 6.957.392 impairment losses Neto 125.778.532 2.883.374 737.661 129.399.567 Net 42. RISIKO LIKUIDITAS 42. 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 liquidity purposes, Primary Reserve is 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, a branch cash limit and an ideal Secondary Reserve amount 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 withdrawal 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 jatuh tempo berikut menyajikan informasi mengenai perkiraan sisa jatuh tempo dari aset dan liabilitas keuangan konsolidasian yang menjadi arus kas masuk atau keluar. The maturity tables on the following pages provide information about the expected maturities within which consolidated financial assets and liabilities are converted into cash inflows or outflows. BNI ฀ ฀ ฀ 479 are in Indonesian language. PT BANK NEGARA INDONESIA PERSERO Tbk DAN ENTITAS ANAK CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN Tahun yang Berakhir pada Tanggal-tanggal 31 Desember 2011 dan 2010 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain PT BANK NEGARA INDONESIA PERSERO Tbk AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS Years Ended December 31, 2011 and 2010 Expressed in millions of Rupiah, unless otherwise stated 42. RISIKO LIKUIDITAS lanjutan

42. LIQUIDITY RISK continued