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