CREDIT RISK continued bni ar 2012 th

584 2012฀Annual฀Report฀•฀ BNI PT BANK NEGARA INDONESIA PERSERO Tbk DAN ENTITAS ANAKAND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2012 DAN 2011 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2012 AND 2011 Expressed in millions of Rupiah, unless otherwise stated Halaman - 175 - Page 45. RISIKO KREDIT lanjutan

45. CREDIT RISK continued

i Eksposur maksimum risiko kredit tanpa memperhitungkan agunan dan pendukung kredit lainnya lanjutan i Maximum exposure of the credit risk before collateral held and other credit enhancements continued Eksposur maksimum Maximum exposure Keterangan 2012 2011 Description Giro pada Bank Indonesia Giro pada bank lain Penempatan pada bank lain dan Bank Indonesia Efek-efek Nilai wajar melalui laporan laba rugi Tersedia untuk dijual Dimiliki hingga jatuh tempo Efek-efek yang dibeli dengan janji dijual kembali Wesel ekspor dan tagihan lainnya Tagihan akseptasi Tagihan derivatif Pinjaman yang diberikan Obligasi Pemerintah Nilai wajar melalui laporan laba rugi Tersedia untuk dijual Dimiliki hingga jatuh tempo Penyertaan saham Aset lain-lain - neto 22,422,083 5,841,006 32,616,662 1,756,300 7,756,073 288,597 - 2,839,499 10,077,154 10,571 193,834,670 1,019,027 30,346,855 7,195,123 24,026 2,411,377 18,895,328 2,130,270 49,328,028 1,612,845 3,587,477 2,427,446 2,289,462 1,853,144 7,822,309 24,015 156,504,508 73,785 29,860,206 7,023,809 24,335 2,094,608 Current accounts with Bank Indonesia Current accounts with other banks Placements with other banks and Bank Indonesia Marketable securities Fair value through profit or loss Available-for-sale Held-to-maturity Securities purchased under agreements to resale Bills and other receivables Acceptances receivable Derivatives receivable Loans Government Bonds Fair value through profit or loss Available-for-sale Held-to-maturity Equity investments Other assets - net Neto 318,439,023 285,551,575 Net Aset lain-lain - neto terdiri dari piutang lain-lain dan piutang bunga. Other assets - net consist of other receivables and interest receivable. Eksposur risiko kredit terhadap rekening administratif konsolidasian pada tanggal- tanggal 31 Desember 2012 dan 2011 adalah sebagai berikut: Credit risk exposures relating to consolidated administrative accounts ítems as at 31 December 2012 and 2011 are as follows: Eksposur maksimum Maximum exposure Keterangan 2012 2011 Description Irrevocable letters of credit yang masih berjalan Garansi yang diterbitkan 9,746,331 20,288,498 9,096,788 15,057,800 Outstanding irrevocable letters of credit Guarantees issued Total 30,034,829 24,154,588 Total 585 Laporan฀Tahunan฀2012฀•฀ BNI PT BANK NEGARA INDONESIA PERSERO Tbk DAN ENTITAS ANAKAND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2012 DAN 2011 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2012 AND 2011 Expressed in millions of Rupiah, unless otherwise stated 45. RISIKO KREDIT lanjutan 45. CREDIT RISK continued