SIMPANAN NASABAH DEPOSITS FROM CUSTOMERS SIMPANAN NASABAH lanjutan DEPOSITS FROM CUSTOMERS continued

527 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 18. ASET TETAP lanjutan 18. FIXED ASSETS continued Aset tetap Bank pada tanggal 31 Desember 2012 diasuransikan terhadap risiko kebakaran dan pencurian dengan nilai pertanggungan sebesar Rp5.377.921 31 Desember 2011: Rp2.350.067. Manajemen berpendapat bahwa nilai pertangungan tersebut cukup untuk menutupi kemungkinan kerugian atas aset tersebut. As at 31 December 2012, the fixed assets of the Bank were insured against risk of fire and theft with sum insured amounting to Rp5,377,921 31 December 2011: Rp2,350,067. Management believes that the sum insured is adequate to cover possible losses on the assets insured. Estimasi persentase tingkat penyelesaian aset dalam penyelesaian pada tanggal 31 Desember 2012 adalah berkisar 20 - 95. The estimated percentage of completion of construction in progress as at 31 December 2012 is ranging between 20 - 95. Penilaian pada nilai wajar tanah dan bangunan yang dimiliki Bank pada tanggal 31 Desember 2012 adalah dengan menggunakan nilai dari Nilai Jual Obyek Pajak NJOP. NJOP dianggap sebagai estimasi terbaik yang mencerminkan nilai wajar. Pada tanggal 31 Desember 2012, NJOP tanah dan bangunan yang dimiliki Bank masing-masing bernilai Rp3.169.596 dan Rp1.149.249. Selain tanah dan bangunan, tidak ada perbedaan yang signifikan antara nilai wajar aset tetap dengan nilai tercatatnya. Estimated fair value of land and buildings owned by the Bank as at 31 December 2012 are determined using value of Sales Value of Tax Object NJOP. NJOP is regarded as the best estimates which reflect the fair value. As at 31 December 2012, the NJOP of land and buildings owned by the Bank are Rp3,169,596 and Rp1,149,249, respectively. Other than land and buildings, there are no significant difference between the estimated fair value and carrying value of fixed assets. Tidak ada aset tetap yang dijaminkan. There were no fixed assets pledged as collateral. 19. LIABILITAS SEGERA 19. 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 temporary deposit transactions not yet settled. 20. SIMPANAN NASABAH 20. DEPOSITS FROM CUSTOMERS Informasi mengenai simpanan berdasarkan pihak yang berelasi diungkapkan pada Catatan 41. Information with respect to transactions with related parties are disclosed in Notes 41.

a. Berdasarkan jenis dan mata uang

a. By type and currency

2012 2011 Rupiah Giro Tabungan Deposito berjangka 52,596,884 100,026,808 67,510,920 48,464,482 81,360,260 71,530,879 Rupiah Current accounts Savings account Time deposits 220,134,612 201,355,621 528 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 20. SIMPANAN NASABAH lanjutan 20. DEPOSITS FROM CUSTOMERS continued

a. Berdasarkan jenis dan mata uang lanjutan

a. By type and currency continued

2012 2011 Mata uang asing Giro Tabungan Deposito berjangka 20,768,694 56,645 16,700,890 17,464,734 52,550 12,422,835 Foreign currencies Current accounts Savings account Time deposits 37,526,229 29,940,119 Total 257,660,841 231,295,740 Total Perincian simpanan nasabah berdasarkan mata uang adalah sebagai berikut: Deposits from customers based on currencies are as follows: 2012 2011 Rupiah Mata uang asing Dolar Amerika Serikat Euro Dolar Singapura Pound Sterling Inggris Yen Jepang Dolar Hong Kong Franc Swiss Yuan Cina Dolar Australia Dolar Kanada Real Arab Saudi 220,134,612 34,812,756 2,076,711 310,455 196,736 91,904 30,006 4,918 1,280 1,463 - - 201,355,621 28,726,940 494,735 284,807 313,012 87,463 25,277 4,534 - 2,990 319 42 Rupiah Foreign currencies United States Dollar Euro Singapore Dollar Great Britain Pound Sterling Japanese Yen Hong Kong Dollar Swiss Franc Chinese Yuan Australian Dollar Canadian Dollar Saudi Arabian Riyal 37,526,229 29,940,119 Total 257,660,841 231,295,740 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. Giro wadiah dan tabungan wadiah merupakan simpanan wadiah yad-dhamanah dimana pemilik dana akan memperoleh pendapatan bonus. Jumlah giro wadiah pada tanggal- tanggal 31 Desember 2012 dan 2011, masing- masing sebesar Rp1.468.456 dan Rp894.565, sedangkan jumlah tabungan wadiah masing- masing sebesar Rp420.247dan Rp218.175. Wadiah current accounts and wadiah savings represent a wadiah yad-dhamanah deposit in which the customers are entitled to receive bonus income. The balances of wadiah current accounts as at 31 December 2012 and 2011 were Rp1,468,456 and Rp894,565, respectively, while the balances of wadiah savings were Rp420,247 and Rp218,175, respectively. Tabungan mudharabah merupakan simpanan dana dimana pemilik dana akan mendapatkan imbalan bagi hasil atas penggunaan dana tersebut dengan nisbah yang ditetapkan sebelumnya. Pada tanggal 31 Desember 2012 dan 2011, jumlah tabungan mudharabah masing-masing adalah sebesar Rp3.389.019 dan Rp2.398.202. Mudharabah savings are fund deposits on which the depositors are entitled to receive a share of income in return for the use of the funds in accordance with the defined terms nisbah. As at 31 December 2012 and 2011, the balances of mudharabah savings accounts were Rp3,389,019 and Rp2,398,202, respectively. 529 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 20. SIMPANAN NASABAH lanjutan 20. DEPOSITS FROM CUSTOMERS continued