RISIKO LIKUIDITAS LIQUIDITY RISK RISIKO LIKUIDITAS lanjutan LIQUIDITY RISK continued

BNI฀•฀2010฀Annual฀Report 454 are in Indonesian language. PT BANK NEGARA INDONESIA PERSERO Tbk DAN ANAK PERUSAHAAN CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN Tahun yang Berakhir pada Tanggal-tanggal 31 Desember 2010 dan 2009 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, 2010 and 2009 Expressed in millions of Rupiah, unless otherwise stated 167 40. RISIKO KREDIT lanjutan 40. CREDIT RISK continued xi Pinjaman yang diberikan xi Loans Per 31 Desember 2010, aset keuangan ini mengalami penurunan nilai secara individual maupun kolektif sesuai ketentuan Bank Indonesia. As of December 31, 2010, this financial asset is impaired individually as well as collectively according to Bank Indonesia regulation. Ikhtisar pinjaman yang diberikan adalah sebagai berikut: Loans are summarized as follows: 2010 Mengalami penurunan nilai Impaired Tidak mengalami penurunan nilai Individual Kolektif Jumlah Not impaired Individual Collective Total Rupiah: Rupiah: Perdagangan, restoran dan hotel 21.113.808 919.017 628.675 22.661.500 Trading, restaurants and hotels Perindustrian 18.729.647 2.899.560 175.758 21.804.965 Manufacturing Jasa dunia usaha 10.070.148 378.158 111.057 10.559.363 Business services Konstruksi 8.692.671 475.489 166.283 9.334.443 Construction Pertanian 9.041.604 230.640 29.688 9.301.932 Agriculture Pengangkutan, pergudangan Transportation, warehousing dan komunikasi 8.060.707 731.394 29.452 8.821.553 and communications Listrik, gas dan air 4.909.825 120.245 - 5.030.070 Electricity, gas and water Pertambangan 2.285.238 58.787 4.016 2.348.041 Mining Jasa pelayanan sosial 862.971 151.629 37.177 1.051.777 Social services Lain-lain 25.628.143 - 462.880 26.091.023 Others Jumlah Rupiah 109.394.762 5.964.919 1.644.986 117.004.667 Total Rupiah 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 Jumlah mata uang asing 17.783.149 1.522.329 46.814 19.352.292 Total foreign currencies Jumlah 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 Bersih 125.778.532 2.883.374 737.661 129.399.567 Net 41. RISIKO LIKUIDITAS 41. LIQUIDITY RISK Pengelolaan dan pemantauan posisi likuiditas BNI berada dalam tanggung jawab kelompok likuiditas di 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 liquidity group in 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. BNI฀•฀Laporan฀Tahunan฀2010 455 are in Indonesian language. PT BANK NEGARA INDONESIA PERSERO Tbk DAN ANAK PERUSAHAAN CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN Tahun yang Berakhir pada Tanggal-tanggal 31 Desember 2010 dan 2009 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, 2010 and 2009 Expressed in millions of Rupiah, unless otherwise stated 168 41. RISIKO LIKUIDITAS lanjutan 41. LIQUIDITY RISK continued Selain itu ditetapkan pula jumlah pagu kas cabang dan Secondary Reserve yang ideal. Penetapan pagu kas cabang ditujukan agar cabang dapat memenuhi kewajiban 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 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 kewajiban 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. 2010 Nilai Kurang dari 1 - 3 3 - 6 6 - 12 Lebih dari Tercatat 1 Bulan Bulan Bulan Bulan 12 Bulan Carrying Lainnya Less than 1 - 3 3 - 6 6 - 12 More than Value Others 1 Month Months Months Months 12 Months ASET ASSETS Kas 5.480.703 - 5.480.703 - - - - Cash Giro pada Current accounts with Bank Indonesia 13.563.799 - 13.563.799 - - - - Bank Indonesia Current accounts with Giro pada bank lain 1.344.771 - 1.344.771 - - - - other banks Penempatan pada bank lain Placements with other dan Bank Indonesia 38.385.316 1.310 23.220.460 15.155.557 1.500 9.109 - banks and Bank Indonesia Surat-surat berharga 13.181.480 47.918 3.681.688 406.561 416.685 1.147.884 7.576.580 Marketable securities Wesel ekspor dan tagihan lainnya 866.460 19.422 672.730 184.088 10.853 18.211 Bills and other receivables Tagihan akseptasi 4.778.440 52.613 1.233.196 1.476.587 1.371.589 749.681 Acceptances receivable Tagihan derivatif 7.552 7.500 40 12 - Derivatives receivable Pinjaman yang diberikan 129.399.567 6.957.392 17.743.095 15.037.510 13.784.577 14.059.272 75.732.505 Loans Obligasi Pemerintah 32.556.138 - 242.285 - 128.009 32.185.844 Government Bonds Penyertaan saham 35.251 356 - - - - 35.607 Equity investments Aset lain-lain - bersih 2.161.425 76.715 1.700.815 307.144 64.875 30.506 134.800 Other assets - net Jumlah 241.760.902 7.155.726 68.648.757 32.809.772 15.650.091 16.142.672 115.665.336 Total KEWAJIBAN LIABILITIES Kewajiban segera 1.336.316 - 1.336.316 - - - - Obligations due immediately Simpanan nasabah 194.374.685 - 169.060.548 18.463.486 3.018.882 3.536.700 295.069 Deposits from customers Simpanan dari bank lain 3.325.751 - 2.478.540 214.487 701 632.023 - Deposits from other banks Kewajiban derivatif 221.033 - 7.745 33 15.152 - 198.103 Derivatives payable Kewajiban akseptasi 2.497.356 - 516.139 762.649 562.045 656.523 - Acceptances payable Surat berharga yang Marketable securities diterbitkan 1.277.197 - - - 999.233 277.964 issued Pinjaman yang diterima 5.623.480 - 40.545 2.309.311 450.500 524.831 2.298.293 Borrowings Kewajiban lain-lain 2.873.792 - 1.066.029 1.019.877 787.886 - - Other liabilities Jumlah 211.529.610 - 174.505.862 22.769.843 4.835.166 6.349.310 3.069.429 Total Perbedaan jatuh tempo 30.231.292 7.155.726 105.857.105 10.039.929 10.814.925 9.793.362 112.595.907 Maturity gap Termasuk penyisihan kerugian penurunan nilai atas aset dan kewajiban keuangan Includes allowances for impairment losses of financial assets and liabilities Aset lain-lain - bersih terdiri dari piutang lain-lain, piutang bunga dan investasi sewa guna usaha - net Other assets - net consist of other receivables, interest receivable and investment in direct finance leases - net Kewajiban lain-lain terdiri dari biaya yang masih harus dibayar, setoran jaminan dan hutang kepada nasabah Other liabilities consist of accrued expenses, guarantee deposits and payables to customers BNI฀•฀2010฀Annual฀Report 456 are in Indonesian language. PT BANK NEGARA INDONESIA PERSERO Tbk DAN ANAK PERUSAHAAN CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN Tahun yang Berakhir pada Tanggal-tanggal 31 Desember 2010 dan 2009 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, 2010 and 2009 Expressed in millions of Rupiah, unless otherwise stated 169 41. RISIKO LIKUIDITAS lanjutan 41. LIQUIDITY RISK continued