LIABILITAS SEGERA OBLIGATIONS DUE IMMEDIATELY DEPOSITS FROM CUSTOMERS

BNI ฀ ฀ ฀ 415 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 16. ASET LAIN-LAIN - NETO

16. OTHER ASSETS – NET

2011 2010 Piutang lain-lain Other receivables BNI 783.121 689.319 BNI Entitas Anak: Subsidiaries: Piutang dari PT Kliring Receivables from PT Kliring Penjaminan Efek Penjaminan Efek Indonesia KPEI 147.348 193.310 Indonesia KPEI Piutang nasabah 154.525 162.265 Receivables from customers Piutang premi asuransi 10.338 9.039 Insurance premium receivables Lain-lain 134.984 166.841 Others Sub-total piutang lain-lain 1.230.316 1.220.774 Sub-total other receivables Biaya dibayar di muka 817.378 549.144 Prepaid expenses Beban yang ditangguhkan untuk pinjaman karyawan Deferred expense for Catatan 11 605.393 666.665 employee loans Note 11 Piutang bunga 864.292 823.429 Interest receivable Perlengkapan kantor 381.341 238.450 Office supplies Pajak dibayar di muka 142.127 107.995 Prepaid tax Agunan yang diambil alih setelah dikurangi penyisihan kerugian Foreclosed collaterals, penurunan nilai sebesar net of allowance for impairment Rp159.693 per 31 Desember losses of Rp159,693 as of 2011 dan Rp212.206 per December 31, 2011 and 31 Desember 2010 43.899 - Rp212,206 as of December 31, 2010 Lain-lain setelah dikurangi penyisihan kerugian penurunan nilai sebesar Rp52.095 Others, net of allowance for per 31 Desember 2011 impairment losses of Rp52,095 dan Rp63.374 as of December 31, 2011 and per 31 Desember 2010 570.407 556.426 Rp63,374 as of December 31, 2010 Total 4.655.153 4.162.883 Total Piutang bunga termasuk bunga yang berasal dari Obligasi Pemerintah sebesar Rp502.131 dan Rp548.820 masing-masing pada tanggal 31 Desember 2011 dan 2010. Interest receivables include interest from Government Bonds amounting to Rp502,131 and Rp548,820 as of December 31, 2011 and 2010, respectively. Pada tanggal-tanggal 31 Desember 2011 dan 2010, piutang nasabah termasuk piutang dengan pihak berelasi masing-masing sebesar Rp23.202 dan Rp16.588 Catatan 37. As of December 31, 2011 and 2010, receivables from customers include receivables from related parties amounting to Rp23,202 and Rp16,588, respectively Note 37. Manajemen berpendapat bahwa penyisihan kerugian penurunan nilai yang dibentuk atas aset- aset yang disebutkan di atas telah memadai. Management believes that the allowance for impairment losses on the respective assets outlined above is adequate. 17. LIABILITAS SEGERA 17. OBLIGATIONS DUE IMMEDIATELY Liabilitas segera terdiri dari kiriman uang, dana setoran cek, deposito yang sudah jatuh tempo tetapi belum diambil nasabah, transaksi kliring, setoran pajak yang diterima oleh BNI sebagai bank persepsi dan simpanan sementara yang belum diselesaikan. Obligations due immediately consist of money transfers, fund deposits for cheques, deposits matured but not yet collected by customers, items for clearing, tax collection received by BNI as a collecting bank and deposit transactions not yet settled. BNI ฀ ฀ ฀ 416 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 18. SIMPANAN NASABAH

18. DEPOSITS FROM CUSTOMERS

Informasi mengenai simpanan dari pihak yang berelasi dan yang jatuh tempo masing-masing diungkapkan pada Catatan 37 dan 42. Information with respect to transactions with related parties and maturities are disclosed in Notes 37 and 42, respectively. a. Berdasarkan jenis dan mata uang a. By type and currency 2011 2010 Rupiah Rupiah Giro 48.464.482 34.616.021 Current accounts Tabungan 81.360.260 65.986.305 Savings accounts Deposito berjangka 71.530.879 63.057.083 Time deposits Total Rupiah 201.355.621 163.659.409 Total Rupiah Mata uang asing Foreign currencies Giro 17.464.734 13.661.635 Current accounts Tabungan 52.550 229.472 Savings accounts Deposito berjangka 12.422.835 16.824.169 Time deposits Total mata uang asing 29.940.119 30.715.276 Total foreign currencies Total 231.295.740 194.374.685 Total Perincian simpanan nasabah dalam mata uang adalah sebagai berikut: Deposits from customers based on currencies are as follow: 2011 2010 Jumlah nosional Jumlah nosional Mata uang asing Mata uang asing Notional amount Ekuivalen Notional amount Ekuivalen Foreign currencies Rupiah Foreign currencies Rupiah Dalam ribuan Equivalent Dalam ribuan Equivalent In thousands Rupiah In thousands Rupiah Rupiah 201.355.621 163.659.409 Rupiah Mata uang asing Foreign currencies Dolar Amerika Serikat 3.168.121 28.726.940 3.289.891 29.831.084 United States Dollar Euro 42.232 494.735 43.436 508.837 Euro Pound Sterling Inggris 22.398 313.012 3.327 46.386 Great Britain Pound Sterling Dolar Singapura 40.783 284.807 28.385 198.226 Singapore Dollar Yen Jepang 748.699 87.463 839.000 98.012 Japanese Yen Dolar Hongkong 21.655 25.277 23.669 27.434 Hongkong Dollar Swiss Franc 471 4.534 486 4.676 Franc Swiss Dolar Australia 325 2.990 32 296 Australian Dollar Dollar Kanada 37 319 36 325 Canadian Dollar Real Arab Saudi 17 42 - - Saudi Arabian Real Total mata uang asing 29.940.119 30.715.276 Total foreign currencies Total 231.295.740 194.374.685 Total Simpanan nasabah berdasarkan prinsip syariah termasuk di dalamnya adalah giro wadiah, tabungan wadiah, tabungan mudharabah dan deposito mudharabah. Deposits from customers based on sharia principles include wadiah current accounts, wadiah savings, mudharabah savings and mudharabah deposits. BNI ฀ ฀ ฀ 417 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 18. SIMPANAN NASABAH lanjutan

18. DEPOSITS FROM CUSTOMERS continued a. Berdasarkan jenis dan mata uang lanjutan