FIXED ASSETS continued bni ar 2015 th

DAN ENTITAS ANAKAND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2015 DAN 2014 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2015 AND 2014 Expressed in millions of Rupiah, unless otherwise stated Halaman - 119 - Page 20. SIMPANAN NASABAH lanjutan

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

a. By type and currency continued

Berdasarkan Peraturan Pemerintah Republik Indonesia No. 66 Tahun 2008 tanggal 13 Oktober 2008 mengenai Besarnya Nilai Simpanan yang dijamin Lembaga Penjaminan Simpanan, maka pada tanggal 31 Desember 2015 dan 2014, jumlah simpanan yang dijamin LPS adalah simpanan sampai dengan Rp2.000 untuk per nasabah per bank. Simpanan nasabah dijamin hanya jika suku bunganya sama dengan atau dibawah 7,75 untuk simpanan dalam Rupiah dan 1,50 untuk simpanan dalam mata uang asing pada tanggal 31 Desember 2015 dan 2014. As of 31 December 2015 and 2014, based on Government Regulation No. 66 Year 2008 dated 13 October 2008 regarding The Amount of Deposit Guaranteed by Indonesia Deposit Insurance Corporation, the amount of deposits covered by LPS is customer deposits up to Rp2,000 per depositor per bank. Customer deposits are only covered if the rate of interest is equal to or below 7.75 for deposits denominated in Rupiah and 1.50 for deposits denominated in foreign currency as of 31 December 2015 and 2014. Pada tanggal 31 Desember 2015 dan 2014, BNI adalah peserta dari program penjaminan tersebut. As of 31 December 2015 and 2014, BNI was a participant of that guarantee program. b. Berdasarkan hubungan b. By relationship 2015 2014 Pihak berelasi Related parties Rupiah Rupiah Giro 11,149,935 9,516,494 Current accounts Tabungan 176,596 155,755 Savings account Deposito berjangka 27,651,634 16,798,712 Time deposits 38,978,165 26,470,961 Mata uang asing Foreign currencies Giro 8,089,684 8,601,781 Current accounts Tabungan 454,825 74,376 Savings account Deposito berjangka 3,853,523 3,858,288 Time deposits 12,398,032 12,534,445 Total pihak berelasi 51,376,197 39,005,406 Total related parties Pihak ketiga Third parties Rupiah Rupiah Giro 48,877,789 45,134,297 Current accounts Tabungan 122,651,406 110,643,702 Savings account Deposito berjangka 83,258,188 74,757,957 Time deposits 254,787,383 230,535,956 Mata uang asing Foreign currencies Giro 22,645,951 19,490,614 Current accounts Tabungan 6,081,485 4,095,761 Savings account Deposito berjangka 19,045,864 7,137,072 Time deposits 47,773,300 30,723,447 Total pihak ketiga 302,560,683 261,259,403 Total third parties Total 353,936,880 300,264,809 Total DAN ENTITAS ANAKAND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2015 DAN 2014 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2015 AND 2014 Expressed in millions of Rupiah, unless otherwise stated Halaman - 120 - Page 20. SIMPANAN NASABAH lanjutan

20. DEPOSITS FROM CUSTOMERS continued c. Tabungan berdasarkan jenis

c. Savings accounts by type

2015 2014 Tabungan BNI 126,642,427 112,694,529 BNI savings accounts Tabungan Haji 1,734,118 1,540,100 Hajj savings accounts Tabungan Syariah 987,767 734,965 Sharia savings accounts Total 129,364,312 114,969,594 Total

d. Simpanan yang diblokir dan dijadikan jaminan

d. Deposits blocked and pledged as collateral

2015 2014 Giro 12,521,705 10,558,023 Current account Tabungan 10,968,809 8,926,375 Savings account Deposito berjangka 4,487,274 3,460,546 Time deposit Total 27,977,788 22,944,944 Total

e. Tingkat suku bunga dan bagi hasil per tahun

e. Annual interest rates and profit sharing

Dolar Amerika Serikat United States Dolar Singapura Rupiah Dollar Singapore Dollar Euro 2015 0.00 - 10.00 0.00 - 1.50 0.00 - 0.50 0.00 - 0.50 2015 2014 0.00 - 11.65 0.00 - 2.60 0.00 - 0.50 0.00 - 0.35 2014 21. SIMPANAN DARI BANK LAIN 21. DEPOSITS FROM OTHER BANKS Informasi mengenai simpanan berdasarkan pihak yang berelasi diungkapkan pada Catatan 46e. Information with respect to transactions with related parties are disclosed in Note 46e. a. Berdasarkan jenis dan mata uang a. By type and currency 2015 2014 Rupiah Rupiah Pinjaman pasar uang antar bank 553,616 - Interbank money market Giro 800,556 1,056,442 Current accounts Deposito berjangka 91,984 445,384 Time deposits Simpanan lainnya 482,426 349,072 Other deposits 1,928,582 1,850,898 Mata uang asing Foreign currencies Pinjaman pasar uang antar bank 1,108,248 121,191 Interbank money market Giro 702,630 285,009 Current accounts Deposito berjangka 429,298 144,773 Time deposits Simpanan lainnya 79,300 - Other deposits 2,319,476 550,973 Total 4,248,058 2,401,871 Total Simpanan dari bank lain berdasarkan prinsip syariah termasuk di dalamnya adalah giro wadiah dan deposito Mudharabah. Deposits from other banks based on sharia principles include wadiah current accounts and Mudharabah deposits.