FinancialStatement 2015 Tahunan BBNI

8/17/2019 FinancialStatement 2015 Tahunan BBNI

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Perseroan dengan ini menyampaikan laporan keuangan untuk Tahun Bulan yang berakhir pada 31/12/2015 dengan ikhtisar sebagai berikut :

Informasi mengenai anak perusahaan Perseroan sebagai berikut :

Dokumen ini merupakan dokumen resmi Bank Negara Indonesia Tbk yang tidak memerlukan tanda tangan karena dihasilkan secara elektronik.

Bank Negara Indonesia Tbk bertanggung jawab penuh atas informasi tertera di dalam dokumen ini.

Nomor Surat KMP/7/0248

Nama Emiten Bank Negara Indonesia Tbk

Kode Emiten BBNI

Perihal Penyampaian Laporan Keuangan Tahunan

Nama KegiatanUsaha

Lokasi TahunKomersil

Status Operasi Jumlah Aset Satuan MataUang

Persentase(%)

PT. BNI LifeInsurance

Asuransi Jiwa Jakarta 1997 9.937.568 JUTAAN IDR 60.0

PT. BNIMultifinance

Pembiayaan Jakarta 1983 177.298 JUTAAN IDR 99.98

PT. BNISecurities

Sekuritas Jakarta 1995 723.513 JUTAAN IDR 75.0

BNIRemittance Ltd

JasaKeuangan

Hongkong 1998 5.431 JUTAAN IDR 100.0

PT Bank BNI

Syariah

Perbankan Jakarta 2010 22.995.377 JUTAAN IDR 99.9


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[1000000] General information

Informasi umum General information31 December 2015

Nama entitas Bank Negara Indonesia Tbk Entity name

Penjelasan perubahan nama dari akhir

periode laporan sebelumnya

Explanation of change in name from the

end of the preceding reporting periodKode entitas BBNI Entity code

Nomor identifikasi entitas AA265 Entity identification number

Industri utama entitas Keuangan dan Syariah / Financial and Sharia

Entity main industry

Sektor 8. Finance Sector

Subsektor 81. Bank Subsector

Informasi pemegang saham pengendali Indonesian Government Controlling shareholder information

Jenis entitas Local Company - IndonesiaJurisdiction

Type of entity

Jenis efek yang dicatatkan Saham / Stock Type of listed securities

Jenis papan perdagangan tempatentitas tercatat Utama / Main Type of board on which the entity islisted

Apakah merupakan laporan keuangansatu entitas atau suatu kelompok entitas

Entitas grup / Group entity Whether the financial statements are ofan individual entity or a group of entities

Periode penyampaian laporankeuangan

Tahunan / Annual Period of financial statementssubmissions

Tanggal awal periode berjalan January 01, 2015 Current period start date

Tanggal akhir periode berjalan December 31, 2015 Current period end date

Tanggal akhir tahun sebelumnya December 31, 2014 Prior year end date

Tanggal awal periode sebelumnya January 01, 2014 Prior period start date

Tanggal akhir periode sebelumnya December 31, 2014 Prior period end date

Mata uang pelaporan Rupiah / IDR Description of presentation currency

Kurs konversi pada tanggal pelaporan jika mata uang penyajian selain rupiah

Conversion rate at reporting date ifpresentation currency is other than

rupiah

Pembulatan yang digunakan dalampenyajian jumlah dalam laporankeuangan

Jutaan / In Million Level of rounding used in financialstatements

Jenis laporan atas laporan keuangan Diaudit / Audited Type of report on financial statements

Jenis opini auditor Wajar Tanpa Pengecualian / Unqualified

Type of auditor's opinion

Hal yang diungkapkan dalam paragrafpendapat untuk penekanan atas suatumasalah atau paragraf penjelasanlainnya, jika ada

Matters disclosed in emphasis-of-matteror other-matter paragraph, if any

Hasil penugasan review Result of review engagement

Tanggal laporan audit atau hasil laporanreview

January 25, 2016 Date of auditor's opinion or result ofreview report

Auditor tahun berjalan Tanudiredja, Wibisana & Rekan Current year auditor

Nama partner audit tahun berjalan Angelique Dewi Daryanto, S.E.,CPA

Name of current year audit signingpartner

Lama tahun penugasan partner yangmenandatangani

1 Number of years served as audit signingpartner

Auditor tahun sebelumnya Tanudiredja, Wibisana, Rintis &Rekan

Prior year auditor

Nama partner audit tahun sebelumnya Drs. Haryanto Sahari, CPA Name of prior year audit signing partnerKepatuhan terhadap pemenuhanperaturan BAPEPAM LK VIII G 11tentang tanggung jawab direksi ataslaporan keuangan

Ya / Yes Whether in compliance with BAPEPAMLK VIII G 11 rules concerning

responsibilities of board of directors onfinancial statements


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Kepatuhan terhadap pemenuhanperaturan BAPEPAM LK VIII A duatentang independensi akuntan yangmemberikan jasa audit di pasar modal

Ya / Yes Whether in compliance with BAPEPAMLK VIII A two rules concerning

independence of accountant providingaudit services in capital market


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[4220000] Statement of financial position presented using order of liquidity -Financial and Sharia Industry

Laporan posisikeuangan

Statement of financialposition

31 December 2015 31 December 2014

Aset Assets

Kas 12,890,427 11,435,686 Cash

Giro pada bank indonesia 30,932,177 24,597,538 Current accounts with bankIndonesia

Giro pada bank lain Current accounts with otherbanks

Giro pada bank lain pihakketiga

8,999,699 4,497,429 Current accounts with otherbanks third parties

Cadangan kerugianpenurunan nilai pada giropada bank lain

( )906 ( )1,589 Allowance for impairmentlosses for current accounts

with other bank

Penempatan pada bankindonesia dan bank lain Placements with bankIndonesia and other banks

Penempatan pada bankindonesia dan bank lainpihak ketiga

33,416,808 14,529,531 Placements with bankIndonesia and other banks

third parties

Cadangan kerugianpenurunan nilai padapenempatan pada bank lain

( )0 ( )2,109 Allowance for impairmentlosses for placements with

other banks

Efek-efek yangdiperdagangkan

Marketable securities

Efek-efek yangdiperdagangkan pihak

ketiga

9,963,803 12,743,298 Marketable securities thirdparties

Cadangan kerugianpenurunan nilai padaefek-efek yangdiperdagangkan

( )36,309 ( )5,002 Allowance for impairmentlosses for marketable

securities

Efek yang dibeli dengan janjidijual kembali

376,215 6,237,356 Securities purchased underagreement to resale

Wesel ekspor dan tagihanlainnya

Bills and other receivables

Wesel ekspor dan tagihanlainnya pihak ketiga

8,857,823 2,302,372 Bills and other receivablesthird parties

Cadangan kerugian

penurunan nilai pada weselekspor dan tagihan lainnya

( )26,379 ( )1,061 Allowance for impairment

losses for bills and otherreceivables

Tagihan akseptasi Acceptance receivables

Tagihan akseptasi pihakketiga

10,899,801 12,531,441 Acceptance receivablesthird parties

Cadangan kerugianpenurunan nilai padatagihan akseptasi

( )79,188 ( )64,622 Allowance for impairmentlosses for acceptance

receivables

Tagihan derivatif Derivative receivables

Tagihan derivatif pihakketiga

440,701 165,093 Derivative receivables thirdparties

Pinjaman yang diberikan Loans

Pinjaman yang diberikanpihak ketiga

277,687,787 240,800,789 Loans third parties

Pinjaman yang diberikanpihak berelasi

48,417,362 36,821,492 Loans related parties

Cadangan kerugian ( )12,038,618 ( )6,970,295 Allowance for impairment


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penurunan nilai padapinjaman yang diberikan

losses for loans

Obligasi pemerintah 47,222,319 43,829,797 Government bonds

Biaya dibayar dimuka 1,632,641 1,392,242 Prepaid expenses

Pajak dibayar dimuka 2,299,174 1,436,609 Prepaid taxes

Aset pajak tangguhan 1,465,453 668,314 Deferred tax assets

Investasi pada entitas anak,ventura bersama, dan entitasasosiasi

Investments in subsidiaries,joint ventures and

associates

Investasi pada entitas anak 35,793 37,434 Investments in subsidiaries

Aset tetap 20,756,594 6,222,050 Property and equipment

Aset lainnya 4,482,111 3,369,915 Other assets

Jumlah aset 508,595,288 416,573,708 Total assets

Liabilitas, dana syirkahtemporer dan ekuitas

Liabilities, temporary syirkahfunds and equity

Liabilitas Liabilities

Liabilitas segera 1,805,494 1,813,065 Obligations dueimmediately

Simpanan nasabah Customers Deposits

Giro Current accounts

Giro pihak ketiga 71,523,740 64,624,911 Current accountsthird parties

Giro pihak berelasi 19,239,619 18,118,275 Current accountsrelated parties

Tabungan Savings

Tabungan pihakketiga

128,732,891 114,739,463 Savings third parties

Tabungan pihakberelasi

631,421 230,131 Savings relatedparties

Deposito berjangka Time deposits

Deposito berjangka

pihak ketiga

102,304,052 81,895,029 Time deposits third

partiesDeposito berjangkapihak berelasi

31,505,157 20,657,000 Time depositsrelated parties

Simpanan dari bank lain 4,248,058 2,401,871 Other banks deposits

Efek yang dijual dengan janji untuk dibeli kembali

3,163,142 2,491,931 Securities sold withrepurchase agreement

Liabilitas derivatif Derivative payables

Liabilitas derivatif pihakketiga

1,161,557 661,609 Derivative payablesthird parties

Liabilitas akseptasi 6,188,258 6,468,603 Acceptance payables

Pinjaman yang diterima Borrowings

Pinjaman yang diterimapihak ketiga 22,523,581 11,212,265 Borrowings third parties

Efek yang diterbitkan Securities issued

Obligasi 6,870,667 6,158,031 Bonds

Sukuk ijarah 0 Ijarah sukuk

Estimasi kerugiankomitmen dan kontinjensi

99,227 87,230 Estimated losses oncommitments and

contingencies

Beban akrual 917,129 659,592 Accrued expenses

Utang pajak 749,396 317,563 Taxes payable

Liabilitas lainnya 7,583,784 5,218,778 Other liabilities

Kewajiban imbalan pascakerja

3,480,504 3,393,307 post-employment benefitobligations

Jumlah liabilitas 412,727,677 341,148,654 Total liabilities

Dana syirkah temporer Temporary syirkah funds

Bukan bank Non-banks


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Giro mudharabah Mudharabah currentaccount

Giro mudharabahpihak ketiga

430,940 0 Mudharabah currentaccount third parties

Giro berjangkamudharabah pihakberelasi

10 Mudharabah currentaccount related

parties

Tabunganmudharabah

Mudharabah savingdeposits

Tabunganmudharabah pihakketiga

5,692,052 4,803,565 Mudharabah savingdeposits third parties

Tabunganmudharabah pihakberelasi

8,778 5,622 Mudharabah savingdeposits related

parties

Deposito berjangkamudharabah

Mudharabah timedeposits

Deposito berjangkamudharabah pihakketiga

10,347,566 8,818,720 Mudharabah timedeposits third parties

Deposito berjangka

mudharabah pihakberelasi

4,559 714 Mudharabah time

deposits relatedparties

Bank Bank

Giro mudharabah 11,938 0 Mudharabah currentaccount

Tabungan mudharabah(ummat)

138,660 67,884 Mudharabah savingdeposits (ummat)

Deposito berjangkamudharabah

298,886 707,241 Mudharabah timedeposits

Efek yang diterbitkanbank

Bank securities issued

Sukuk mudharabah 496,000 0 Mudharabah sukukJumlah dana syirkahtemporer

17,429,389 14,403,746 Total temporary syirkahfunds

Ekuitas Equity

Ekuitas yangdiatribusikan kepadapemilik entitas induk

Equity attributable toequity owners of parent

entity

Saham biasa 9,054,807 9,054,807 Common stocks

Tambahan modaldisetor

14,568,468 14,568,468 Additional paid-in capital

Saham tresuri ( )749,979 Treasury stocks

Cadangan 12,003,490 370,339 Reserves

Saldo laba (akumulasikerugian)

Retained earnings(deficit)

Saldo laba yangtelah ditentukanpenggunaanya

Appropriatedretained earnings

Cadangan umumdan wajib

2,778,412 2,778,412 General andlegal reserves

Cadangankhusus

5,705,376 3,909,726 Specific reserves

Saldo laba yangbelum ditentukanpenggunaannya

33,054,162 28,390,021 Unappropriatedretained earnings

Jumlah ekuitas yangdiatribusikan kepadapemilik entitas induk

76,414,736 59,071,773 Total equity attributableto equity owners of

parent entity

Kepentingannon-pengendali

2,023,486 1,949,535 Non-controlling interests


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Jumlah ekuitas 78,438,222 61,021,308 Total equity

Jumlah liabilitas, dana syirkahtemporer dan ekuitas

508,595,288 416,573,708 Total liabilities, temporarysyirkah funds and equity


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[4312000] Statement of profit or loss and other comprehensive income, OCIcomponents presented net of tax, by nature - Financial and Sharia Industry

Laporan laba rugi danpenghasilankomprehensif lain

Statement of profit orloss and other

comprehensiveincome


Pendapatan dan bebanoperasional

Operating income andexpenses

Pendapatan bunga 36,895,081 33,750,031 Interest income

Beban bunga ( )11,334,885 ( )10,988,641 Interest expenses

Pendapatan asuransi Insurance income

Pendapatan dari premiasuransi

3,310,796 1,475,506 Revenue from insurancepremiums

Beban asuransi Insurance expenses

Beban klaim ( )2,485,134 ( )1,343,033 Claim expenses

Pendapatan operasionallainnya

Other operating income

Pendapatan provisi dankomisi dari transaksilainnya selain kredit

5,539,509 4,642,046 Provisions andcommissions income from

transactions other than loan

Pendapatan transaksiperdagangan

608,528 898,571 Revenue from tradingtransactions

Penerimaan kembali asetyang telah dihapusbukukan

1,590,469 1,856,400 Revenue from recovery ofwritten-off assets

Keuntungan (kerugian)selisih kurs mata uang

asing

515,081 692,645 Gains (losses) on changesin foreign exchange rates

Pendapatan operasionallainnya

618,793 765,099 Other operating income

Pembentukan kerugianpenurunan nilai

Allowances for impairmentlosses

Pembentukan penyisihankerugian penurunan nilaiaset produktif

( )7,336,259 ( )3,641,992 Allowances for impairmentlosses on earnings assets

Beban operasional lainnya Other operating expenses

Beban umum danadministrasi

12,094,668 11,040,037 General and administrativeexpenses

Beban penjualan ( )884,631 ( )844,804 Selling expenses

Beban sewa,pemeliharaan, danperbaikan

( )1,627,014 ( )1,418,663 Rent, maintenance andimprovement expenses

Beban provisi dan komisi 744,783 544,885 Other fees andcommissions expenses

Beban operasionallainnya

( )1,158,802 ( )911,952 Other operating expenses

Jumlah laba operasional 11,412,081 13,346,291 Total profit from operation

Pendapatan dan beban bukanoperasional

Non-operating income andexpense

Pendapatan bukan operasional 150,983 224,982 Non-operating income

Beban bukan operasional ( )96,916 ( )46,963 Non-operating expensesJumlah laba (rugi) sebelum pajakpenghasilan

11,466,148 13,524,310 Total profit (loss) before tax

Pendapatan (beban) pajak ( )2,325,616 ( )2,694,931 Tax benefit (expenses)

Jumlah laba (rugi) 9,140,532 10,829,379 Total profit (loss)


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Pendapatan komprehensiflainnya, setelah pajak

Other comprehensive income,after tax

Pendapatan komprehensiflainnya yang tidak akandireklasifikasi ke laba rugi,setelah pajak

Other comprehensiveincome that will not be

reclassified to profit or loss,after tax

Pendapatan komprehensiflainnya atas keuntungan(kerugian) hasil revaluasi

aset tetap, setelah pajak

12,380,091 0 Other comprehensiveincome for gains (losses)on revaluation of property

and equipment, after taxPendapatan komprehensiflainnya atas pengukurankembali kewajiban manfaatpasti, setelah pajak

101,002 0 Other comprehensiveincome for remeasurement

of defined benefitobligation, after tax

Penyesuaian lainnya ataspendapatan komprehensiflainnya yang tidak akandireklasifikasi ke laba rugi,setelah pajak

( )202,272 0 Other adjustments to othercomprehensive income that

will not be reclassified toprofit or loss, after tax

Jumlah pendapatankomprehensif lainnya yang

tidak akan direklasifikasi kelaba rugi, setelah pajak

12,278,821 0 Total other comprehensiveincome that will not be


Pendapatan komprehensiflainnya yang akandireklasifikasi ke laba rugi,setelah pajak

Other comprehensiveincome that may be


Keuntungan (kerugian)selisih kurs penjabaran,setelah pajak

17,464 53,094 Gains (losses) onexchange differences on

translation, after tax

Keuntungan (kerugian)yang belum direalisasi atasperubahan nilai wajar asetkeuangan yang tersediauntuk dijual, setelah pajak

( )693,742 1,303,397 Unrealised gains (losses)on changes in fair value ofavailable-for-sale financial

assets, after tax

Keuntungan (kerugian)lindung nilai arus kas,setelah pajak

0 43,492 Gains (losses) on cash flowhedges, after tax

Penyesuaian lainnya ataspendapatan komprehensiflainnya yang akandireklasifikasi ke laba rugi,setelah pajak

119,472 ( )314,630 Other adjustments to othercomprehensive income thatmay be reclassified to profit

or loss, after tax

Jumlah pendapatankomprehensif lainnya yangakan direklasifikasi ke laba

rugi, setelah pajak

( )556,806 1,085,353 Total other comprehensiveincome that may be

reclassified to profit or loss,

after taxJumlah pendapatankomprehensif lainnya, setelahpajak

11,722,015 1,085,353 Total other comprehensiveincome, after tax

Jumlah laba rugi komprehensif 20,862,547 11,914,732 Total comprehensive income

Laba (rugi) yang dapatdiatribusikan

Profit (loss) attributable to

Laba (rugi) yang dapatdiatribusikan ke entitas induk

9,066,581 10,782,628 Profit (loss) attributable toparent entity

Laba (rugi) yang dapatdiatribusikan ke kepentingannon-pengendali

73,951 46,751 Profit (loss) attributable tonon-controlling interests

Laba rugi komprehensif yangdapat diatribusikan

Comprehensive incomeattributable to

Laba rugi komprehensif yangdapat diatribusikan ke entitasinduk

20,788,596 11,867,981 Comprehensive incomeattributable to parent entity


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Laba rugi komprehensif yangdapat diatribusikan kekepentingan non-pengendali

73,951 46,751 Comprehensive incomeattributable to non-controlling

interests

Laba (rugi) per saham Earnings (loss) per share

Laba per saham dasardiatribusikan kepada pemilikentitas induk

Basic earnings per shareattributable to equity owners

of the parent entity

Laba (rugi) per sahamdasar dari operasi yang

dilanjutkan

487 578 Basic earnings (loss) pershare from continuing

operations


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0000] Statement of changes in equity - Financial and Sharia Industry - Current Year

December 2015

poran perubahanuitas

Statement of changes inequity

Saham biasa Tambahan modal disetor Saham tresuri Cadangan revaluasiCadangan selisih kurs

penjabaran

Cadangan perubahan nilaiwajaraset keuangan tersedia

untuk dijualCadangan lainnya

Saldo laba yang telahditentukan

penggunaannya-cadanganumum dan wajib


penggunaannya-cadangankhusus

Saldo laba yang belumditentukan penggunaannya

Ekuitas yang dapatdiatribusikan kepada entitas

indukK ep en ti ng an n on -p en ge nd al i E ku it as

C om mo n st ock s Ad dit io na l pa id- in c ap it al Tr ea su ry s toc ks R eva lua ti on r es erv esReserve of exchange

differences on translation

Reserve forchanges in fairvalue of available-for-sale

financial assetsOtherreserves

Appropriated retainedearnings-general and legal

reserves

Appropriated retainedearnings-specific reserves

Unappropriated retainedearnings

Equity attributable to parententity

N on -co ntr ol lin g in ter est s E qui ty

si ekuitas Equity position

aldo awal periode sebelumenyajian kembali

9,054,807 14,568,468 58,038 ( )1,944,698 2,256,999 2,778,412 3,909,726 28,390,021 59,071,773 1,949,535 61,021,308 Balance before restatement atbeginning of period

osisi ekuitas, awal periode 9,054,807 14,568,468 58,038 ( )1,944,698 2,256,999 2,778,412 3,909,726 28,390,021 59,071,773 1,949,535 61,021,308 Equity position, beginning of theperiod

aba (rugi) 9,140,532 9,140,532 9,140,532 Profit (loss)

endapatan komprehensif lainnya 12,189,957 17,464 ( )574,270 14,913 11,648,064 73,951 11,722,015 Other comprehensive income

embentukan cadangan khusus 1,795,650 ( )1,795,650 Allocation for specific reserves

stribusi dividen kas ( )2,695,654 ( )2,695,654 ( )2,695,654 Distributions of cash dividends

ansaksi ekuitas lainnya ( )749,979 ( )749,979 ( )749,979 Other equity transactions

osisi ekuitas, akhir periode 9,054,807 14,568,468 ( )749,979 12,189,957 75,502 ( )2,518,968 2,256,999 2,778,412 5,705,376 33,054,162 76,414,736 2,023,486 78,438,222 Equity position, end of the period


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10000] Statement of changes in equity - Financial and Sharia Industry - Prior Year

December 2014

poran perubahanuitas

Statement of changes inequity

S ah am b ia sa T am ba ha n mo da l di se to rCadangan selisih kurs

penjabaran

Cadangan perubahan nilaiwajar aset keuangan tersedia

untuk dijual

Cadangan lindung nilai aruskas

Cadangan lainnya


penggunaannya-cadanganumum dan wajib


penggunaannya-cadangankhusus

Saldo laba yang belumditentukan penggunaannya

Ekuitas yang dapatdiatribusikan kepada entitas

indukK ep en ti ng an n on -p en ge nd al i E ku it as

Com mon s toc ks Addi t iona l pai d -i n c ap i ta lReserve of exchange

differences on translation

Reserve for changes in fairvalue of available-for-sale

financial assetsRe se rv e of c as h fl ow he dges O ther r es e rv es

Appropriated retainedearnings-general and legal

reserves

Appropriated retainedearnings-specific reserves

Unappropriated retainedearnings

Equity attributable to parententity

N on-c ontr ollin g i nteres ts Equi ty

si ekuitas Equity position

aldo awal periode sebelumenyajian kembali

9,054,807 14,568,468 4,944 ( )2,933,465 ( )43,492 ( )62,862 2,778,412 2,868,474 21,364,949 47,600,235 83,270 47,683,505 Balance before restatement atbeginning of period

osisi ekuitas, awal periode 9,054,807 14,568,468 4,944 ( )2,933,465 ( )43,492 ( )62,862 2,778,412 2,868,474 21,364,949 47,600,235 83,270 47,683,505 Equity position, beginning of theperiod

aba (rugi) 10,829,379 10,829,379 10,829,379 Profit (loss)

endapatan komprehensif lainnya 53,094 988,767 43,492 ( )46,751 1,038,602 46,751 1,085,353 Other comprehensive income

embentukan cadangan khusus 1,041,252 ( )1,041,252 Allocation for specific reserves

Distribusi dividen kas ( )2,716,304 ( )2,716,304 ( )2,716,304 Distributions of cash dividends

erubahan kepentinganon-pengendali atas transaksi

ainnya dengan kepentinganon-pengendali

2,319,861 2,319,861 1,819,514 4,139,375 Changes in non-controlling interestsdue to other transactions with

non-controlling interests

osisi ekuitas, akhir periode 9,054,807 14,568,468 58,038 ( )1,944,698 2,256,999 2,778,412 3,909,726 28,390,021 59,071,773 1,949,535 61,021,308 Equity position, end of the period


13/14

[4510000] Statement of cash flows, direct method - Financial and Sharia Industry

Laporan arus kas Statement of cashflows


Arus kas dari aktivitas operasi Cash flows from operating

activitiesArus kas sebelumperubahan dalam aset danliabilitas operasi

Cash flows before changesin operating assets and

liabilities

Penerimaan bunga, hasilinvestasi, provisi, dankomisi

36,334,620 33,436,655 Interest, investmentincome, fees and

commissions received

Pembayaran bunga danbonus, provisi dan komisi

( )11,121,452 ( )10,670,290 Payments Of Interest AndBonus Fees And

Commissions

Penerimaan premi asuransi 3,310,796 1,475,506 Receipts from insurancepremiums

Pendapatan dari transaksioperasional lainnya

11,974,988 8,522,276 Income from otheroperating transactions

Penerimaan pengembalian(pembayaran) pajakpenghasilan

( )3,470,990 ( )3,301,810 Refunds (payments) ofincome tax

Pembayaran bebanoperasional lainnya

( )22,965,610 ( )19,187,680 Payments for otheroperating expenses

Penerimaan pendapatannon-operasional

35,009 174,502 Receipts fromnon-operating income

Penurunan (kenaikan) asetoperasi

Decrease (increase) inoperating assets

Penurunan (kenaikan)

penempatan pada bank laindan bank indonesia

( )1,083,399 ( )1,411,705 Decrease (increase) in

placements with otherbanks and bank indonesia

Penurunan (kenaikan) efekyang diperdagangkan

( )1,130,054 ( )1,208,552 Decrease (increase) inmarketable securities

Penurunan (kenaikan) efekyang dibeli dengan janjidijual kembali

5,861,141 ( )4,340,800 Decrease (increase) insecurities purchased under

resale agreements

Penurunan (kenaikan)wesel ekspor dan tagihanlainnya

( )6,555,451 1,119,991 Decrease (increase) in billsand other receivables

Penurunan (kenaikan)tagihan akseptasi

1,631,640 ( )982,495 Decrease (increase) inacceptance receivables

Penurunan (kenaikan)pinjaman yang diberikan

( )48,482,868 ( )26,984,438 Decrease (increase) inloans

Penurunan (kenaikan) asetlainnya

( )792,134 ( )70,767 Decrease (increase) inother assets

Kenaikan (penurunan)liabilitas operasi

Increase (decrease) inoperating liabilities

Kenaikan (penurunan)liabilitas segera

( )7,571 53,195 Increase (decrease) inobligations due immediately

Kenaikan (penurunan) girodan tabungan simpanannasabah

22,414,891 2,010,624 Increase (decrease) incurrent accounts and

customers savings

Kenaikan (penurunan)deposito berjangkanasabah

31,257,180 15,514,231 Increase (decrease) incustomers time deposits

Kenaikan (penurunan)simpanan dari bank lain

1,846,187 ( )415,570 Increase (decrease) inother banks saving

deposits


14/14

Kenaikan (penurunan)liabilitas akseptasi

( )280,345 269,631 Increase (decrease) inacceptance payables

Kenaikan (penurunan)dana syirkah temporer

3,025,643 4,885,963 Increase (decrease) intemporary syirkah funds

Kenaikan (penurunan)liabilitas lainnya

2,554,407 501,163 Increase (decrease) inother liabilities

Jumlah arus kas bersih yangdiperoleh dari (digunakanuntuk) aktivitas operasi

24,356,628 ( )610,370 Total net cash flows receivedfrom (used in) operating

activities

Arus kas dari aktivitas investasi Cash flows from investingactivities

Pencairan (penempatan)obligasi pemerintah

( )4,039,755 1,679,794 Withdrawal (placement) ofgovernment bonds

Penerimaan dari penjualan(perolehan) aset tetap

( )2,961,872 ( )1,357,221 Proceeds from disposal(acquisition) of property and

equipment

Pencairan (penempatan)efek-efek yangdiperdagangkan

3,485,158 ( )2,728,605 Withdrawal (placement) ofmarketable securities

Jumlah arus kas bersih yangdiperoleh dari (digunakan

untuk) aktivitas investasi

( )3,516,469 ( )2,406,032 Total net cash flows receivedfrom (used in) investing

activitiesArus kas dari aktivitaspendanaan

Cash flows from financingactivities

Kenaikan (penurunan) efekyang diterbitkan

712,636 0 Increase (decrease) insecurities issued

Penerimaan pinjaman yangditerima

11,311,316 Proceeds from borrowings

Pembayaran pinjaman yangditerima

( )7,738,258 Payments for borrowings

Penjualan (pembelian) darisaham tresuri

( )749,979 0 Sales (purchase) of treasurystocks

Pembayaran dividen dariaktivitas pendanaan

( )2,695,654 ( )2,716,304 Dividends paid from financingactivities

Penerimaan (pengeluaran) kaslainnya dari aktivitaspendanaan

671,211 6,000,455 Other cash inflows (outflows)from financing activities

Jumlah arus kas bersih yangdiperoleh dari (digunakanuntuk) aktivitas pendanaan

9,249,530 ( )4,454,107 Total net cash flows receivedfrom (used in) financing

activities

Jumlah kenaikan (penurunan)bersih kas dan setara kas

30,089,689 ( )7,470,509 Total net increase (decrease) incash and cash equivalents

Kas dan setara kas arus kas, awalperiode

53,512,006 61,060,610 Cash and cash equivalents cashflows, beginning of the period

Efek perubahan nilai kurs padakas dan setara kas 5,838 ( )78,095 Effect of exchange rate changeson cash and cash equivalents

Kas dan setara kas arus kas,akhir periode

83,607,533 53,512,006 Cash and cash equivalents cashflows, end of the period

FinancialStatement 2015 Tahunan BBNI

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