Annual interest rates bni ar 2007 th

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 2007 dan 2006 Disajikan dalam jutaan Rupiah, kecuali data per saham PT BANK NEGARA INDONESIA PERSERO Tbk AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS Years Ended December 31, 2007 and 2006 Expressed in million Rupiah, except per share data 57

7. SURAT-SURAT BERHARGA

DAN SURAT- SURAT BERHARGA YANG DIBELI DENGAN JANJI DIJUAL KEMBALI lanjutan

7. MARKETABLE SECURITIES AND SECURITIES PURCHASED UNDER AGREEMENT TO RESELL

continued

d. Berdasarkan peringkat

- surat-surat berharga lanjutan d. By rating - marketable securities continued Nilai Tercatat PeringkatRating Carrying Amount Pemeringkat Agencies 2007 2006 2007 2006 Efek hutang lainnya Other debt securities Standard Int’l Holdings Moody’s Baa1 - 47.435 - Standard Int’l Holdings UBS Notes S P BB- - 46.965 - UBS Notes International Lease Finance Corp. S P AA- BB- 46.330 45.393 International Lease Finance Corp. VTB Capital S P BBB+ BBB 46.026 18.231 VTB Capital M T Bank Corp S P BBB - 45.885 - M T Bank Corp Goldman Sachs Group Inc S P A+ BB- 45.523 45.749 Goldman Sachs Group Inc Lehman Brothers Holding Co S P A+ - 45.288 - Lehman Brothers Holding Co Morgan Stanley S P A+ BB- 44.570 45.326 Morgan Stanley JPM Chase Cap XIII S P A - 42.973 - JPM Chase Cap XIII Suntrust Capital I S P A- BBB 42.668 44.592 Suntrust Capital I Wachovia Bank S P A B3 41.916 43.867 Wachovia Bank Bear Streams S P A B1 41.799 22.625 Bear Streams Bank Boston Capital Trust S P A A2 41.564 43.989 Bank Boston Capital Trust Merryl Lynch S P A+ - 41.328 - Merryl Lynch Huntington Capital Trust II S P BBB- - 41.094 - Huntington Capital Trust II CIT Group Inc S P A B1 40.860 45.222 CIT Group Inc Washington Mutual Inc S P A- B3 40.860 45.015 Washington Mutual Inc Hertz S P - BB- - 67.438 Hertz General Motor General Motor Acceptance Corp S P - BB - 67.860 Acceptance Corp Lain-lain Beragam Beragam Beragam 10.732 129.964 Others Credit-Linked Notes Credit-Linked Notes Barclay’s Bank S P - AA - 90.112 Barclay’s Bank ING Bank S P - AA- - 45.237 ING Bank Jumlah mata uang asing 2.438.376 1.690.860 Total foreign currencies Jumlah tersedia untuk dijual 15.405.588 3.927.860 Total available-for-sale securities Dimiliki hingga jatuh tempo Held-to-maturity securities Rupiah Rupiah Obligasi Bonds PLN VI B Pefindo - idA - 19.950 PLN VI B Bank Rakyat Indonesia Pefindo - idAA- - 12.000 Bank Rakyat Indonesia Lain-lain Beragam - Beragam - 61.860 Others Jumlah Rupiah - 93.810 Total Rupiah Mata uang asing Foreign currencies Obligasi Bonds Deutsche Bank AG London Moody’s - AA- - 90.030 Deutsche Bank AG London Bank Mandiri Pefindo - idBBB+ - 39.680 Bank Mandiri Bank Rakyat Indonesia Pefindo - idAA- - 36.471 Bank Rakyat Indonesia Republic of the Philippines Moody’s - B1 - 26.210 Republic of the Philippines US Treasury Bills S P - AAA - 4.580 US Treasury Bills Credit-Linked Notes Credit-Linked Notes Credit Suisse International S P - A+ - 45.015 Credit Suisse International Efek hutang lainnya Other debt securities UBS AG S P - A+ - 45.015 UBS AG Jumlah mata uang asing - 287.001 Total foreign currencies Jumlah dimiliki hingga jatuh tempo - 380.811 Total held-to-maturity securities Jumlah surat-surat berharga 16.242.810 4.985.167 Total marketable securities Penyisihan kerugian 42.249 28.839 Allowance for losses Surat berharga - bersih 16.200.561 4.956.328 Marketable securities - net 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 2007 dan 2006 Disajikan dalam jutaan Rupiah, kecuali data per saham PT BANK NEGARA INDONESIA PERSERO Tbk AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS Years Ended December 31, 2007 and 2006 Expressed in million Rupiah, except per share data 58

7. SURAT-SURAT BERHARGA

DAN SURAT- SURAT BERHARGA YANG DIBELI DENGAN JANJI DIJUAL KEMBALI lanjutan

7. MARKETABLE SECURITIES AND SECURITIES PURCHASED UNDER AGREEMENT TO RESELL

continued

e. Berdasarkan kolektibilitas - surat-surat berharga

e. By collectibility - marketable securities

Seluruh surat-surat berharga yang dimiliki per tanggal 31 Desember 2007 dan 2006 digolongkan sebagai lancar. As of December 31, 2007 and 2006, all marketable securities were classified as current. Penyisihan kerugian merupakan penyisihan minimum 1 atas surat-surat berharga yang dimiliki oleh BNI yang diterbitkan oleh pihak- pihak lain selain yang diterbitkan oleh Bank Indonesia dan Pemerintah Indonesia. Manajemen berpendapat bahwa jumlah penyisihan kerugian telah memadai. The allowance for losses represents 1 minimum allowance on marketable securities held by BNI, issued by parties other than Bank Indonesia and the Indonesian Government. The Management believed that the allowance for losses is adequate.

f. Tingkat suku bunga per tahun - surat-surat

berharga: f. Annual interest rates - marketable securities Dolar Amerika Serikat United States Euro RupiahRupiah Dollar Euro 2007 9,75 - 17,88 3,96 - 10,50 4,13 2007 2006 7,60 - 15,75 4,88 - 10,63 4,13 2006

g. Surat-surat berharga yang dibeli dengan janji dijual kembali

g. Securities purchased under agreement to resell

31 Desember 2007December 31, 2007 Pendapatan Kewajiban Bunga yang Nilai Penjualan Belum Jenis Nominal Tanggal Jatuh Kembali Direalisir Nilai Bersih Nasabah Type of Nominal Tanggal Dimulai Tempo Resale Unrealized Carrying Counterpart Securities Amoount Starting Date Maturity Date Liabilities Interest Value PT Inti Karya Megah Saham 40.000 21112007 22052008 43.600 2.400 41.200 PT Handson Energy PT Dewata Jaya International Saham 40.000 28112007 30052008 42.000 1.333 40.667 PT Bapindo Bumi 02112007 - 07012008 - Sekuritas Saham 173.994 27122007 13032008 114.725 1.473 113.252 253.994 200.325 5.206 195.119 Semua surat-surat berharga yang dibeli dengan janji dijual kembali pada tanggal 31 Desember 2007 merupakan transaksi milik Anak Perusahaan. All of the securities purchased under agreement to resell as of December 31, 2007 were owned by the Subsidiaries.