Laporan Keuangan Konsolidasi Consolidated Financial Report by pharmphresh30

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									Laporan Keuangan
      Konsolidasi    BNI Annual Report 2006




     Consolidated
  Financial Report
                     151
                           PT BANK NEGARA INDONESIA (PERSERO) Tbk
                                    PERUSAHAAN/
                           DAN ANAK PERUSAHAAN/AND SUBSIDIARIES

                           LAPORAN KEUANGAN KONSOLIDASIAN
                           BESERTA LAPORAN AUDITOR INDEPENDEN
                           31 DESEMBER 2006
                           DENGAN ANGKA PERBANDINGAN TAHUN 2005

                           CONSOLIDATED FINANCIAL STATEMENTS
                           WITH INDEPENDENT AUDITORS’ REPORT
                           DECEMBER 31, 2006
                           WITH COMPARATIVE FIGURES FOR 2005
Laporan Tahunan BNI 2006




152
Data Perseroan
Corporate Data   BNI Annual Report 2006




                 267
                           Dewan Komisaris
                           Board of Commissioner


                                   Zaki Baridwan
                                   Komisaris Utama                                                     President Commissioner
                                   Menjabat Komisaris Utama sejak 14 Februari 2000.                    President Commissioner of BNI since 14 February 2000.
                                   Memperoleh gelar Sarjana Ekonomi dari Universitas Gadjah            Earned a Bachelor degree in Economics from Gadjah Mada
                                   Mada (1973), MSc. dari University of Kentucky (1984), Doktor        University (1973), a Master degree (1984) and a PhD. from the
                                   dari University of Kentucky (1989), dan Profesor dari Universitas   University of Kentucky (1989). Received a professor status
                                   Gadjah Mada (1997). Jabatan lainnya yaitu sebagai Dekan             from Gadjah Mada University (1997). Other position held is the
                                   Fakultas Ekonomi Universitas Gadjah Mada (2000-2004). Beliau        Dean of the Department of Economics (2000-2004), Gadjah
                                   juga sebagai peneliti dan penulis beberapa buku teks dan jurnal     Mada University. Mr. Baridwan is also a researcher and has
                                   ilmiah. Aktif di Ikatan Akuntan Indonesia (IAI) sebagai anggota     written a number of textbooks and scientific journals. He is a
                                   Majelis Kehormatan.                                                 member of the Advisory Board of the Indonesian Association of
                                                                                                       Accountants (IAI).
                                   Suwarsono
                                   Wakil Komisaris Utama/Komisaris Independen                          Vice President Commissioner/Independent Commissioner
                                   Menjabat Wakil Komisaris Utama sejak 4 Juli 2005.                   Vice President Commissioner of BNI since 4 July 2005. Earned
                                   Memperoleh gelar Sarjana Hukum dari Universitas Gadjah              a Bachelor degree in Law from Gadjah Mada University (1965).
                                   Mada (1965). Jabatan lainnya yaitu sebagai Wakil Komisaris          Other position held is the Vice President Commissioner PT
                                   Utama PT Bank Kesejahteraan Ekonomi, sedangkan jabatan              Bank Kesejahteraan Ekonomi, and previously as President
                                   sebelumnya adalah sebagai Komisaris Utama (2001-2004).              Commissioner (2001-2004). Advisor of PT Bank Kesejahteraan
                                   Penasehat di PT Bank Kesejahteraan Ekonomi (2000-2001), di          Ekonomi (2000-2001), Coordinator of Management Team at
                                   BPPN sebagai Koordinator Tim Pengelola Bank Duta (1999-             Bank Duta for IBRA (1999-2000), President Director of PT Bank
                                   2000), Direktur Utama PT Bank Kesejahteraan Ekonomi (1995-          Kesejahteraan Ekonomi (1995-1999), and Director of PT Bank
                                   1999), dan Direktur Bank Duta (1990-1995).                          Duta (1990-1995).

                                   Achjar Iljas
                                   Komisaris Independen                                                Independent Commissioner
                                   Menjabat Komisaris sejak 30 Januari 2004. Memperoleh gelar          Commissioner of BNI since 30 January 2004. Earned a Bachelor
                                   Sarjana Ekonomi dari Universitas Indonesia (1973), Master of        degree in Economics from University of Indonesia (1973), a
                                   Arts in Economics dari Duke University (1984), dan Magister         Master of Arts in Economics from Duke University (1984) and
                                   Ilmu Hukum Bisnis dari Universitas Padjadjaran (2003). Jabatan      Magister degree in Business Law from Universitas Padjadjaran
                                   sebelumnya yaitu sebagai Deputi Gubernur Bank Indonesia             (2003). Previous occupation includes Deputy Governor of Bank
                                   (1998-2003), Gubernur Pengganti Bank Dunia (1999-2002),             Indonesia (1998-2002), alternate Governor of the World Bank
                                   anggota Dewan Direksi SEACEN (1999-2002) dan anggota                (1999-2003), member of the Board of Directors of SEACEN
                                   Komite Eksekutif APRACA (1999-2002). Jabatan dan kegiatan           (1999-2002) and member of the Executive Committee of
                                   lainnya termasuk Ketua Majelis Ekonomi PP Muhammadiyah              APRACA (1999-2002). Other occupation and activities include
                                   (2005-2006), Komisaris Independen BNP Paribas Indonesia             Chairman, Economic Council PP Muhammadiyah (2005-2006),
                                   (sejak 2005), anggota Dewan Penasihat IAEI, Asbisindo, dan          Independent Commissioner of BNP Paribas Indonesia (since
                                   Absindo, serta pengajar pada LPPI dan beberapa universitas          2005), member of the Advisory Board of IAEI, Asbisindo and
                                   dan perguruan tinggi di Jakarta.                                    Absindo and instructor/lecturer at LPPI and some universities
                                                                                                       in Jakarta.

                                   Effendi
                                   Komisaris                                                           Commissioner
Laporan Tahunan BNI 2006




                                   Menjabat Komisaris sejak 4 Juli 2005. Memperoleh gelar              Commissioner of BNI since 4 July 2005. Earned a Bachelor
                                   Sarjana Hukum dari Universitas Indonesia (1971) dan Sarjana         degree in Law from University of Indonesia (1971), Bachelor
                                   Ekonomi dari Universitas Indonesia (1988). Pernah menjabat          degree in Economics from University of Indonesia (1988).
                                   sebagai Komisaris PT Pupuk Iskandar Muda, Anggota Dewan             Previously served as Commissioner PT Pupuk Iskandar
                                   Pengawas di Perum Pegadaian, Komisaris PT Reasuransi                Muda and Supervisory Board Member at Perum Pegadaian.
                                   Umum Indonesia serta Komisaris PT Jasa Raharja. Jabatan             Commissioner of PT Reasuransi Umum Indonesia and PT
                                   sebelumnya di Kementerian BUMN yaitu sebagai Asisten                Jasa Raharja. Previous position include as Deputy Assistant
                                   Deputi Urusan Usaha Jasa Keuangan (2002-2005), Direktur             for Financial Services at Ministry of State Owned Enterprise/
                                   Perusahaan Jasa Keuangan di Direktorat Jenderal Pembinaan           MSOE (2002-2005), Director for Financial Services Company
268                                BUMN, Departemen Keuangan (2001), Kepala Biro Tata Usaha            at Directorate General of State Owned Enterprise - Ministry
                                   BUMN di Sekretariat Jenderal Departemen Keuangan (2000),            of Finance (2001), Head of SOE Administrative Bureau at
                                   Direktur Usaha Jasa Keuangan Lainnya di Kantor Menteri              Secretary General, Ministry of Finance (2000), Director for
                                   Negara Pendayagunaan BUMN (1999), Direktur Pembinaan                Other Financial Services Company at MSOE (1999), Director for
                                   BUMN III di Kantor Menteri Negara Pendayagunaan BUMN                SOE Development III at MSOE (1998-1999), and Secretary for
                                   (1998-1999), dan Sekretaris Ditjen Pembinaan BUMN,                  General Directorate SOE Development, Ministry of Finance
                                   Departemen Keuangan.
Felia Salim
Komisaris Independen                                               Independent Commissioner
Menjabat Komisaris sejak 19 Juli 2004. Memperoleh gelar            Commissioner of BNI since 19 July 2004. Earned a Bachelor
Bachelor of Arts dari Carleton University (1983). Jabatan          of Arts degree from Carleton University (1983). Previously as
sebelum sebagai Direktur PT Bursa Efek Jakarta (1994-1999),        Director of PT Bursa Efek Jakarta (1994-1999), Chairman of the
Ketua Sekretariat Komite Kebijakan Sektor Keuangan (2000-          Secretariat at the Financial Sector Policy Committee (2000-
2001), Deputi Ketua Badan Penyehatan Perbankan Nasional            2001), Deputy Chairman of the Indonesian Bank Restructuring
(2001), Pjs. Executive Director Partnership Governance Reform      Agency (2001), Acting Executive Director of Partnership for
(2002) dan Pjs. Executive Director Tifa Foundation (2003).         Governance Reform (2002), Acting Executive Director of Tifa
Jabatan lainnya sebagai Komisaris Independen Good Year             Foundation (2003). Currently also serves as Independent
(mulai 2003), Advisory Board - Financial Governance Technical      Commissioner at Good Year (since 2003), Advisory Board
Support AUSAID (mulai 2004) dan Ketua pada Governing Board         - Financial Governance Technical Support AUSAID (since 2004)
of The Partnership for Governance Reform (mulai 2004).             and Chairman of the Governing Board of The Partnership for
                                                                   Governance Reform (since 2004).
H.M.S Latif
Komisaris                                                          Commissioner
Menjabat Komisaris sejak 19 Mei 2005. Memperoleh gelar             Commissioner of BNI since 19 May 2005. Earned a Bachelor
Sarjana Ekonomi dari Universitas Hasanuddin (1977). Jabatan        degree in Economics from University of Hasanuddin (1977).
sebelumnya yaitu sebagai Direktur Utama di PT Bank Syariah         Previous position as President Director of PT Bank Syariah
Ikhwanul Ummah, Makassar, Sulawesi Selatan (1993-1999),            Ikhwanul Ummah, Makassar, South Sulawesi (1993-1999),
jabatan lainnya sebagai anggota DPR-MPR RI (2004-2009).            other position as member of Parliament RI. He is a member
Aktif sebagai Anggota Indonesia Risk Professional Association      of Indonesian Risk Professional Association (IRPA) Jakarta,
(IRPA) Jakarta, Pengurus Pusat Masyarakat Ekonomi Syariah          Central Committee member of Masyarakat Ekonomi Syariah
(MES) Jakarta, Pengurus Pusat Ikatan Ahli Ekonomi Islam (IAEI)     (MES) Jakarta, Central Committee member of Ikatan Ahli
Jakarta, Pengurus Yayasan Pondok Pesantren Darud Da’wah            Ekonomi Islam (IAEI) Jakarta, Board of Management of Yayasan
wal Irsyad (DDI) Jakarta, dan Sekjen Pondok Pesantren Syekh        Pondok Pesantren Darud Da’wah wal Irsyad (DDI) Jakarta,
Lasagena Belawa, Sulawesi Selatan.                                 and Secretary General of Pondok Pesantren Syekh Lasagena
                                                                   Belawa, South Sulawesi.
J.B. Kristiadi
Komisaris                                                          Commissioner
Menjabat Komisaris BNI sejak 27 Juli 2005 hingga                   Commissioner of BNI since 27 July 2005 until 21 September
21 September 2006. Memperoleh gelar Sarjana Ilmu                   2006. Earned a Bachelor Degree in Administration from
Administrasi dari Universitas Indonesia (1971),Diplome Institute   University of Indonesia (1971), Diplome Institute International
International d’Administration Publique Paris (1973), dan Doktor   d’Administration Publique Paris (1973), and a PhD from the
dari Universitas Paris I, Sorbonne (1979).                         University Paris I, Sorbonne (1979). Other position held
Jabatan lainnya yaitu sebagai Sekretaris Jenderal Departemen       included the Secretary General of Ministry of Finance RI,
Keuangan RI, Guru Besar Luar Biasa Fakultas Ilmu Sosial Politik    Professor Emiritus of the Faculty of Social and Political Science,
di Universitas Padjadjaran, Dosen Luar Biasa Pascasarjana          Padjadjaran University, Lecturer Extraordinaire of the post-
di Universitas Padjadjaran dan di Universitas Indonesia, dan       graduate studies at Padjadjaran University and University of
Anggota Digital Opportunity Task Force (Dot-Force) yang            Indonesia, and member of Digital Opportunity Task Force (Dot-
dibentuk oleh Negara-negara G-8, serta sebagai Komisaris di        Force) formed by G-8 countries, also as Commissioner of Bank
Bank Danamon (2005). Jabatan sebelumnya antara lain sebagai        Danamon (2005). Previous position as Secretary of Minister of
Sekretaris Menteri Negara Komunikasi dan Informasi (2001-          Communication and Information (2001-2005), Deputy Minister
2005), Deputi Menteri Negara Pendayagunaan Aparatur Negara         of Ministry of Administrative Reform (1999-2001), and Assistant
                                                                                                                                        BNI Annual Report 2006


(1999-2001), dan Asisten Menteri Koordinator Pengawasan            to Coordinator Minister of Supervision, Development and
Pembangunan dan Pendayagunaan Aparatur Negara (1998-               Administrative Reform (1998-1999).
1999).




                                                                                                                                        269
                           Direksi
                           Board of Directors



                                    Sigit Pramono
                                    Direktur Utama                                                    President Director
                                    Menjabat Direktur Utama sejak 17 Desember 2003.                   President Director of BNI since 17 December 2003. Earned a
                                    Memperoleh gelar Sarjana Ekonomi dari Universitas Diponegoro      Bachelor degree in Economics from University of Diponegoro
                                    (1983) dan MBA dalam bidang Management Business                   (1983) and MBA in International Business Management from
                                    International, Prasetya Mulya (1995). Jabatan sebelumnya          Prasetya Mulya (1995). Previously, he was President Director of
                                    Direktur Utama Bank Internasional Indonesia (2002-2003),          Bank Internasional Indonesia (2002-2003), Senior Vice President
                                    Senior Vice President Credit Recovery, Bank Mandiri (1999-        Credit Recovery at Bank Mandiri (1999-2002), Head of Loan
                                    2002), Head of Loan Workout Division Bank Mandiri (1999).         Workout Division at Bank Mandiri (1999).

                                    Gatot Mudiantoro Suwondo
                                    Wakil Direktur Utama                                              Vice President Director
                                    Menjabat Wakil Direktur Utama sejak 19 Mei 2005.                  Vice President Director of BNI since 19 May 2005. Earned a
                                    Memperoleh gelar Sarjana Akuntansi dari Universitas Mindanao      Bachelor degree in Accounting from Mindanao State University,
                                    State University, Marawi City, Philippines (1979) dan Master of   Marawi City, Philippines (1979) and Master of Business
                                    Business Administration dari International University, Manila,    Administration from International University, Manila, Philippines
                                    Philippines (1982). Jabatan sebelumnya yaitu sebagai Direktur     (1982). Previous positions include Director of Bank Danamon
                                    Bank Danamon (2001-2005), Group Head Credit Restructuring         (2001-2005), Group Head Credit Restructuring & Settlement
                                    & Settlement di Bank Duta (1999), dan Group Head Corporate &      of Bank Duta (1999), and Group Head Corporate & Merchant
                                    Merchant Banking di Bank Duta (1998).                             Banking of Bank Duta (1998).

                                    Achmad Baiquni
                                    Direktur                                                          Managing Director
                                    Menjabat Direktur sejak 15 Desember 2003. Memperoleh              Director of BNI since 15 December 2003. Earned a Bachelor
                                    gelar Sarjana Ekonomi dari Universitas Padjadjaran (1982)         degree in Economics from University of Padjadjaran (1982) and
                                    dan Magister Bisnis Manajemen dari Asian Institute of             a Magister in Business Management from Asian Institute of
                                    Management, Philipina (1992). Jabatan sebelumnya selama di        Management, Philippines (1992). Previously, he held various
                                    BNI adalah Pemimpin Divisi Pengelolaan Bisnis Personal (2003),    positions at BNI as General Manager of Personal Business
                                    Pemimpin Divisi Pemasaran Ritel (2002) dan Pemimpin Wilayah       Management Division (2003), Retail Marketing Division (2002)
                                    4 Bandung (2000).                                                 and Regional Manager of Regional Office 4 Bandung (2000).

                                    Achil Ridwan Djayadiningrat
                                    Direktur                                                          Managing Director
                                    Menjabat Direktur sejak 15 Desember 2003. Memperoleh gelar        Director of BNI since 15 December 2003. Earned a Bachelor
                                    Sarjana Ekonomi Akuntansi dari Universitas Indonesia (1979)       degree in Accounting from University of Indonesia (1979), and
                                    dan Master of Art dari Arthur D. Little School of Management      MA from Arthur D. Little School of Management Education
                                    Education Institute, Boston USA (1983). Jabatan sebelumnya        Institute, Boston USA (1983). Previously, he was an Expert Staff
                                    Staf Ahli Dewan Gubernur Bank Indonesia dan Anggota Dewan         to the Board of Governor of Bank Indonesia and Commissioner
                                    Komisaris Indover Bank, Amsterdam (2000-2003) dan Pimpinan        of Indover Bank, Amsterdam (2000-2003) and Head of Bank
                                    Bank Indonesia Yogyakarta (1998-2000).                            Indonesia Yogyakarta (1998-2000).

                                    Bien Subiantoro
                                    Direktur                                                          Managing Director
Laporan Tahunan BNI 2006




                                    Menjabat Direktur sejak 15 Desember 2003. Memperoleh gelar        Director of BNI since 15 December 2003. Earned a Bachelor
                                    Sarjana Teknik Industri, Institut Teknologi Bandung (1982),       degree in Industrial Engineering from Bandung Institute of
                                    Magister Akuntansi Manajemen dari Universitas Indonesia           Technology (1982), a Magister in Management Accounting
                                    (1992) dan MBA dari University of Oregon USA (1995). Jabatan      from University of Indonesia (1992) and MBA from University
                                    sebelumnya selama di Bank Mandiri yaitu Senior Vice President     of Oregon USA (1995). Previously, he held various positions at
                                    International Banking, FI and Overseas Network Group Head         Bank Mandiri as Senior Vice President International Banking,
                                    (2003), Executive Vice President Corporate Banking, Corporate     FI and Overseas Network Group Head (2003), Executive Vice
                                    Relationship Group Head (2003), dan Vice President Electronic     President Corporate Banking, Corporate Relationship Group
                                    Banking Group Head (2001-2003).                                   Head (2003), and Vice President Electronic Banking Group Head
270                                                                                                   (2001-2003).
Fero Poerbonegoro
Direktur                                                         Managing Director
Menjabat Direktur sejak 17 Desember 2003. Memperoleh gelar       Director of BNI since 17 December 2003. Earned a Bachelor
Sarjana Ekonomi dari Universitas Brawijaya (1981) dan Magister   degree in Economics from Brawijaya University (1981) and a
Manajemen Keuangan dari Universitas Gadjah Mada (1995).          Magister Management in Finance from University of Gadjah
Jabatan sebelumnya sebagai Project Manager New                   Mada (1995). Previously, he was a Project Manager of New
Core Banking di BNI (2002-2003) dan Direktur Bank Central Asia   Core Banking at BNI (2002-2003), and Director of Bank Central
(1998-2002).                                                     Asia (1998-2002).

I. Supomo
Direktur                                                         Managing Director
Menjabat Direktur sejak 4 Agustus 2003. Memperoleh gelar         Director of BNI since 4 August 2003. Earned a Bachelor degree
Sarjana Pertanian dari Universitas Gadjah Mada (1974), MA di     in Agriculture from University of Gadjah Mada (1974), Master
bidang Ekonomi dari University of Colorado, USA (1985) dan       of Art degree in Economics from University of Colorado, USA
Doktor di bidang Ekonomi dari University of Colorado, USA        (1985) and PhD. in Economics from University of Colorado, USA
(1988). Sebelumnya menjabat sebagai Senior Executive Vice        (1988). Previously, he held positions as Senior Executive Vice
President Bank Mandiri (1999-2003) dan Direktur Bank Dagang      President of Bank Mandiri (1999-2003) and Director of Bank
Negara.                                                          Dagang Negara.

Kemal Ranadireksa
Direktur                                                         Managing Director
Menjabat Direktur sejak 15 Desember 2003. Memperoleh gelar       Director of BNI since 15 December 2003. Earned a Bachelor
Sarjana Teknik Industri, Institut Teknologi Bandung (1980).      degree in Industrial Engineering from Bandung Institute of
Lulusan Marketing Management, Virginia Polytechnic Institute     Technology (1980). Graduated in Marketing Management,
and State University USA (1988). Jabatan sebelumnya selama       Virginia Polytechnic Institute and State University USA (1988).
di Bank Mandiri sebagai Kepala Wilayah Bandung (2003), Kepala    Previously, he held various position at Bank Mandiri as Head
Wilayah Palembang (1999-2003) dan Anggota Tim Merger             of Regional Office Bandung (2003), Head of Regional Office
Bidang Branches and Product (1999).                              Palembang (1999-2003) and Member of Merger Team in
                                                                 Branches and Product (1999).
Suroto Moehadji
Direktur                                                         Managing Director
Menjabat Direktur sejak 15 Desember 2003. Memperoleh gelar       Director of BNI since 15 December 2003. Earned a Bachelor
Sarjana Ekonomi Perusahaan dari Universitas Jember (1979) dan    degree in Business Economics from University of Jember
MBA dari Tulane University, New Orleans, AS (1988). Jabatan      (1979) and a MBA from Tulane University, New Orleans, USA
sebelumnya selama di BNI yaitu Pemimpin Divisi Operasional       (1988). Previously, he held various position at BNI as General
(2003), Pemimpin Kantor Wilayah 6 Surabaya (2002-2003), Wakil    Manager of Operational Division (2003), Head of Regional
Pemimpin Divisi Investasi dan Jasa Keuangan (2001-2002).         Office 6 Surabaya (2002-2003), Deputy General Manager of
                                                                 Investment and Financial Services Division (2001-2002).
Tjahjana Tjakrawinata
Direktur                                                         Managing Director
Menjabat Direktur sejak 15 Desember 2003. Memperoleh gelar       Director of BNI since 15 December 2003. Earned Bachelor
Sarjana Teknik Industri dari Institut Teknologi Bandung (1980)   degree in Industrial Engineering from Bandung Institute of
dan Magister Bisnis Manajemen dari Arthur D. Little School of    Technology (1980) and a Magister in Business Management
Management, Boston USA (1993). Jabatan sebelumnya Kepala         from Arthur D. Little School of Management, Boston USA
                                                                                                                                   BNI Annual Report 2006


Wilayah Bank Mandiri Jakarta Sudirman (2001-2003), Kepala        (1993). Previously, he was a Regional Head of Bank Mandiri
Divisi Bank Mandiri (2000-2001), dan Kepala Wilayah Bank         Jakarta Sudirman (2001-2003), Division Head of Bank Mandiri
Mandiri Jawa Barat (1999-2000).                                  (2000-2001) and Regional Head of Bank Mandiri West Java
                                                                 (1999-2000).




                                                                                                                                   271
                           Pejabat Senior
                           Senior Officers




                                            Intan Abdams Katoppo            Diah Sulianto                    Pramono
                                            Sekretaris Perusahaan/          Divisi Kredit Konsumen/          Proyek Pengembangan
                                            Corporate Secretary             Consumer Loan Division           Organisasi & SDM
                                            Divisi Komunikasi                                                Perkreditan/
                                            Perusahaan/                     Gumirlang S. Indroyono           Credit Personnel and
                                            Corporate Communication         Divisi Bisnis Kartu/Card         Organisation Development
                                            Division                        Centre Division                  Project

                                            Edi Siswanto                    Harry Prakoso                    Bomen Lumbanraja
                                            Divisi Pengendalian             Divisi Usaha Menengah/           Proyek BNI Performance
                                            Keuangan/Financial Control      Middle Business Division         Excellence/
                                            Division                                                         BNI Performance Excellence
                                                                            Tatiek Widayati                  Project
                                            M. Anas Malla                   Divisi Usaha Kecil/Small-scale
                                            Satuan Pengawasan Intern/       Business Division                Sutanto
                                            Internal Audit                                                   Proyek Pelatihan &
                                                                            Suhardi                          Pengembangan SDM/
                                            Hemawati                        Divisi Usaha Syariah/Shariah     HR Training & Development
                                            Divisi Operasional/Banking      Business Division                Project
                                            Operations Division
                                                                            Wewek Budianto
                                            Wisnu Wardana                   Divisi Korporasi/Corporate
                                            Divisi Teknologi Informasi/     Division
                                            Information Technology
                                            Division                        Ambar Siswanto
                                                                            Divisi Jasa Keuangan dan
                                            Suwoko Singoastro               Dana Institusi/
                                            Divisi Jaringan/Network         Corporate Funding and
                                            Division                        Financial Services Division

                                            Gatot Siswoyo                   F. Sudjatmoko
                                            Divisi Layanan/Services         Divisi Tresuri/Treasury
                                            Division                        Division

                                            Karsanto                        Tonny Indartono
                                            Divisi Kebijakan dan            Divisi Internasional/
                                            Manajemen Risiko/               International Division
                                            Risk Management Division
                                                                            Hidayat Joko Sampurno
                                            Agung Abadi                     Divisi Private Banking/Private
                                            Divisi Risiko Kredit/Credit     Banking Division
                                            Risk Division
                                                                            Sabdo Trihidayat
                                            Berlin Sembiring                Divisi Dana dan Jasa
                                            Divisi Kredit Khusus/Loan
Laporan Tahunan BNI 2006




                                                                            Konsumen/
                                            Recovery Division               Consumer Funding and
                                                                            Services Division
                                            Max Niode
                                            Divisi Hukum/Legal Division     Agus Pramono
                                                                            Unit Pengembangan
                                            T. M. Jusuf                     Perusahaan Anak/
                                            Divisi Kepatuhan/Compliance     Subsidiaries Management
                                            Division                        Unit

272                                         Imam Budi Sardjito              Herry Tikson
                                            Divisi Perencanaan Strategis/   Unit Pengelolaan Dana
                                            Strategic Planning Division     Pensiun Lembaga Keuangan/
                                                                            Pension Fund Unit
                                            Darwin Suzandi
                                            Divisi Sumber Daya Manusia/     Sholeh Priyosuhardo
                                            Human Resources Division        Biro Direksi/Office of the
                                                                            Board
                                            Tatak Suryadi
                                            Divisi Umum/General Affairs
                                            Division
Produk dan Jasa
Products & Services




Individual                   Individual                   Layanan                   Services
Kredit                       Loans                        Advisory                  Advisory
Cash Collateral Credit       Cash Collateral Credit       Agen Pembayaran           Paying Agent
Kartu Kredit                 Credit Card                  Arranger Sindikasi        Arranger for Syndicated Loan
Kredit Pemilikan Rumah       Housing Loan                 Inkaso                    Collection
Kredit Multi Guna            Multi Purpose Loan           Commercial Paper          Commercial Paper
Kredit Profesi               Profession Loan              Ekspor                    Export
Kredit TKI                   Indonesian Migrant Workers   Escrow Agent              Escrow Agent
                              Loan                        Facility Agent            Facility Agent
Kredit Usaha Kecil           Small Business Loan          Garansi Bank              Bank Guarantees
                                                          Impor                     Import
Simpanan                     Savings                      Infonas                   Cash Management
Giro                         Current Account              Investment Services       Investment Services
Kartu Debet                  Debit Card                   Jasa Kustodi              Custodian Services
Private Banking              Private Banking              Payment Centre            Payment Centre
Deposito                     Deposits                     Repo & Reverse Repo       Repo & Reverse Repo
Tabungan                     Savings                      Security Agent            Security Agent
Tabungan Pendidikan          Educational Savings          Settlement Bank           Bank Settlements
                                                          Sinking Fund              Sinking Fund
Tresuri                      Treasury                     Surat Kredit Berdokumen   Domestic L/C
Forex                        Forex                         Dalam Negeri
Fixed Income                 Fixed Income                 Wali Amanat               Trustee
Money Market                 Money Market

Layanan                      Services
ATM                          ATM
Cek Multi Guna
Inkaso
                             Rupiah Traveler’s Cheque
                             Collections
                                                          Syariah Sharia
Kiriman Uang Domestik        Domestic Remittance
Kiriman Uang International   Overseas Remittance
                                                          Individual                Individual
                                                          Pembiayaan                Funding
Layanan Prima                Priority Banking
                                                          Murabahah                 Murabahah
Mobile Banking               Mobile Banking
                                                          Ijarah                    Ijarah
ONH                          Haj Pilgrim Payment
                                                          Gadai Emas Syariah        Sharia Gold Pawn
Pembayaran                   Payment Services
Phone Banking                Phone Banking
                                                          Simpanan                  Deposit
Private Banking              Private Banking
                                                          Tabungan Syariah Plus     Sharia Plus Savings
Referensi Bank               Bank Reference
                                                          Giro                      Current Account
Safe Deposits Box            Safe Deposits Box
                                                          Deposito Mudharabah       Mudharabah Deposits
SMS Banking                  SMS Banking
                                                          THI Mudharabah            THI Mudharabah
Traveler’s Cheque            Traveler’s Cheque
                                                          Tabungan Syariah Prima    Sharia Prima Savings
Uang Kertas Asing            Foreign Bank Notes
                                                                                    Services
Bisnis                       Business                     Layanan
                                                                                    Remittance
                                                                                                                   BNI Annual Report 2006

Kredit                       Loans                        Kiriman Uang
                                                                                    Collection
Cash Collateral Credit       Cash Collateral Credit       Inkaso
Kartu Kredit                 Credit Card
Kredit Ekspor                Export Facility
Kredit Impor                 Import Facility              Bisnis                    Business
Kredit Investasi             Investment Loan              Pembiayaan                Funding
Kredit Koperasi Primer       Prime Cooperatives Loan      Musyarakah                Musyarakah
Kredit Modal Kerja           Working Capital Loans        Mudharabah                Mudharabah
Kredit Sindikasi             Syndicated Loan              Murabahah                 Murabahah
                                                          Ijarah                    Ijarah                         273
Kredit Penerusan             Two Step Loan

Simpanan                     Savings                      Simpanan                  Deposit
Debit Card                   Debit Card                   Giro                      Current Account
Dana Pensiun                 Pension Fund                 Deposito Mudharabah       Mudharabah Deposits
Lembaga Keuangan
Giro                         Current Account              Layanan                   Services
                                                          Kiriman Uang              Remittance
Tresuri                      Treasury                     Inkaso                    Collection
Forex                        Forex                        Garansi Bank              Bank Guarantee
Fixed Income                 Fixed Income
Money Market                 Money Market
                           Jaringan Kantor
                           Offices Network




                                    Alamat Kantor Pusat
                                    Head Offices Addresses

                                    Gedung BNI
                                    Jl. Jenderal Sudirman Kav.1 Jakarta 10220
                                    Tel. : (62-21) 2511946
                                    Fax. : (62-21) 2511214
                                    SWIFT : BNIN IDJA




                                    Divisi/Satuan/Unit                          Divisi Risiko Kredit/              Divisi Perencanaan Strategis/
                                    Division/Unit                               Credit Risk Division               Strategic Planning Division
                                                                                Gedung BNI Lt. 20                  Gedung BNI Lt. 14
                                    Divisi Komunikasi Perusahaan/               Tel. : (021) 5728167,5728143       Tel.: (021) 2511181, 5728708
                                    Corporate Communication Division            Fax.: (021) 5763836                            5728709, 5728606
                                    Gedung BNI Lt. 24                                                              Fax.: (021)5728456
                                    Tel. :(021) 5728037, 5728387                Divisi Kredit Khusus/
                                    Fax.:(021) 5728295, 5728053                 Loan Recovery Division             Satuan Pengawasan Intern/
                                                                                Gedung BNI Lt. 15                  Internal Audit
                                    Divisi Pengendalian Keuangan/               Tel. :(021) 5728757, 5729259       Gedung BNI Lt. 27 dan
                                    Financial Control Division                              5729834, 2510158       Jl. Sisingamangaraja No. 17
                                    Gedung BNI Lt. 12                                       2511117                Kebayoran Baru, Jakarta Selatan
                                    Tel. :(021) 5728680                         Fax.:(021) 5733486, 5701273        Tel.: (021) 5728873, 72790817
                                    Fax.:(021) 5749257                                                             Fax.: (021) 2511179, 7248714
                                                                                Divisi Hukum/
                                    Divisi Operasional/                         Legal Division                     Divisi Kredit Konsumen/
                                    Banking Operations Division                 Gedung BNI Lt. 10                  Consumer Loan Division
                                    Gedung BNI                                  Tel.: (021) 5728575, 5728594       Wisma 46 Lt. 3
                                    Lt. 17, 19, 20, 21, 24, 26                  Fax.: (021) 2511081                Tel.: (021) 5729228, 5728564
                                    Tel.:(021) 5729968, 5729099,                                                              5728529, 5729221
                                    5728964, 5729777, 5729128                   Divisi Kepatuhan/                  Fax.: (021) 5702816, 2511158
                                    Fax.:(021) 5702351, 5728325,                Compliance Division
                                               5733708                          Gedung BNI Lt. 10                  Divisi Dana & Jasa Konsumen/
                                                                                Tel.:(021) 5728401, 2511946        Consumer Funding &
                                    Divisi Teknologi Informasi/                 ext.1091, 5728591                  Services Division
                                    Information Technology Division             Fax.:(021) 5703436                 Wisma 46 Lt. 40
                                    Gedung Landmark Tower A                                                        Tel.: (021) 5728975, 5728889
                                    Lt. 11, 12, 14                              Divisi Sumber Daya Manusia/                    5728367, 5728735
                                    Tel. :(021) 5728422, 5213717                Human Resource Division            Fax.: (021)2510161, 2510160
                                    (operator) 5219266                          Jl. S. Parman Kav. 55-56, Slipi,
Laporan Tahunan BNI 2006




                                    Fax.:(021) 5213728, 5209210                 Jakarta 10260                      Divisi Pengelolaan Bisnis Kartu/
                                                                                Tel.: (021) 53651262, 53651275     Card Centre Division
                                    Divisi Jaringan/                                        53651276, 53677255     Wisma 46 Lt. 39, 42
                                    Network Division                            Fax.: (021)53651263, 53677264      Tel.: (021) 5729601, 5729609
                                    Gedung BNI Lt. 4                                                                           5729746
                                    Tel.: (021) 5728201, 5729910                Divisi Umum/                       Fax.: (021)5707398, 5714470
                                    Fax.: (021)2510176, 2510177                 General Affairs Division
                                                                                Jl. Sultan Hasanuddin No. 3-4      Divisi Usaha Syariah/
                                    Divisi Kebijakan &                          Kebayoran Baru, Jakarta Selatan    Shariah Banking Division
274                                 Manajemen Risiko/                           Tel.: (021) 2511212, 2511215       Gedung BNI Lt. 22
                                    Risk Management Division                                5728740                Tel.:(021) 5728773, 5728772
                                    Gedung BNI Lt. 26, 27                       Fax.: (021) 2511214                Fax.:(021) 2511153
                                    Tel.: (021) 2511150, 5728544
                                    5728530, 2511129,5728172,                                                      Divisi Usaha Menengah/
                                    2511156, 5728522                                                               Medium-scale Business Division
                                    Fax.: (021)2511148                                                             Wisma 46 Lt. 19
                                                                                                                   Tel.: (021) 5729866, 2515259,
                                                                                                                               5725716 ext. 6068
                                                                                                                   Fax.: (021)2512845
Divisi Usaha Kecil/                      Divisi Layanan/                      Proyek BNI Performance Excellence
Small-scale Business Division            Services Division                    BNI Performance Excellence Project
Gedung BNI Lt. 11                        Wisma 46 Lt. 7, 19                   Gedung BNI Lt. 21
Tel.: (021) 5728614, 5728632,            Tel.: (021) 5729741, 5729796         Tel.: (021) 5729585, 5729577,
            5729911, 5729133                         5729141, 5729983                     5728726
Fax.: (021)2511162                                   5728649, 5729657         Fax. : (021)5703225
                                         Fax.: (021)2511122, 5703220
Divisi Korporasi/                                                             Proyek Pengembangan Organisasi dan
Corporate Banking Division               Divisi Wealth Management             SDM Perkreditan
Gedung BNI Lt. 3                         Wealth Management Division           Credit Personnel and Organisation
Tel.: (021) 5728141, 5728265,            Gedung BNI Lt. 4                     Development Project
            5728264, 5728285             Tel.: (021) 5728899, 5728290         Gedung BNI Lt. 7
Fax.: (021) 2511135                      Fax.: (021)57900967                  Tel.: (021) 2511946 ext. 8432
                                                                                          5729254, 5729304
Divisi Jasa & Dana Institusi/            Unit Dana Pensiun/                   Fax. : (021)5728320, 5729301
Corporate Funding & Financial Services   Pension Fund Unit
Gedung BNI Lt. 16                        Gedung BNI Lt. 24                    Proyek Pelatihan dan Pengembangan SDM
Tel.: (021) 5728601, 5729323             Tel.:(021) 2510182                   HR Training and Development Project
Fax.: (021)5740279, 2510163              Fax.:(021) 2510175                   Jl. Lada No. 1
                                                                              Jakarta - Kota
Divisi Tresuri/                          Unit Pengembangan Perusahaan Anak/   Tel.: (021)2601177 ext. 9401
Treasury Division                        Subsidiaries Management Unit         Fax. : (021)69837051
Gedung BNI Lt. 6                         Gedung BNI Lt. 14
Tel.: (021) 5728365, 5728341, 5728365,   Tel.:5728861
            5728342, 5729014             Fax.:5728838
Fax.: (021)5739913
                                         Biro Direksi/
Divisi Internasional/                    Office of The Board
International Division                   Gedung BNI Lt. 32
Gedung BNI Lt. 8                         Tel.: (021) 5728857, 5729916
Tel.: (021) 5728477, 5729512, 5728470,               5728896
                                                                                                                      BNI Annual Report 2006


            2511106, 5729516,            Fax.: (021)2511961
            5729515, 5728693
Fax.: (021)2511103, 2511113




                                                                                                                      275
                           Kantor Wilayah
                           Region Offices




                           Kantor Wilayah 01/Regional Office 01        Kantor Wilayah 08/Regional Office 08         Cabang Hong Kong/
                           Jl. Pemuda No. 12 Lt. IV                   Jl. Raya Puputan No. 27 Renon,              Hong Kong Branch
                           Medan - 20151                              Denpasar Bali - 82265                       Pemimpin/Head:
                           Tel. :(62-61)4567110, 4567002              Tel. :(62-361) 263304, 263309               RAG Bramono Dwiedjanto
                           Fax. :(62-61)4567105                       Fax.:(62-361) 227874                        G/F, Far East Finance Centre 16,
                                                                                                                  Harcourt Road Hong Kong
                           Kantor Wilayah 02/Regional Office 02        Kantor Wilayah 09/Regional Office 09         Tel. : (852) 25299871,
                           Jl. Dobi No. 1                             Jl. Lambung Mangkurat No. 30                       (852) 28618600
                           Padang - 25119                             Banjarmasin - 70111                         Fax. : (852) 28618677,
                           Tel. : (62-751) 31946, 31947               Tel. : (62-511) 57062, 57065                       (852) 28656500
                           Fax.: (62-751) 32506                       Fax. : (62-511) 57066
                                                                                                                  Cabang Tokyo/
                           Kantor Wilayah 03/Regional Office 03        Kantor Wilayah 10/Regional Office 10         Tokyo Branch
                           Jl. Jend. Sudirman No. 132                 Jl. Jend. Gatot Subroto No. 55              Pemimpin/Head: Hadi Sutaryo
                           Palembang – 30126                          Jakarta Pusat - 10210                       117-8 Kokusai 1st Floor Bld 3-1-1
                           Tel. : (62-711) 361961, 3611962            Tel. : (62-21) 2500025, 5706057             Marunounchi Chiyoda-Ku Tokyo
                           Fax.: (62-711) 361966                      Fax. : (62-21) 2500033                      PC 100-0005 Japan
                                                                                                                  Tel. : (81-3)3214-5625,
                           Kantor Wilayah 04/Regional Office 04        Kantor Wilayah 11/Regional Office 11                (81-3)3212-6428,
                           Jl. Perintis Kemerdekaan No. 3             Jl. Datulolong Lasut No. 1                         (81-3)3214-5621
                           Bandung - 40117                            Manado - 95122                              Fax. : (81-3)3212-6428,
                           Tel. : (62-22) 4240431, 4240457            Tel. : (62-431) 868019, 861331                     (81-3)201-2633
                           Fax. : (62-22) 4240432                     Fax. : (62-431) 851852
                                                                                                                  Cabang London/
                           Kantor Wilayah 05/Regional Office 05        Kantor Wilayah 12/Regional Office 12         London Branch
                           Jl. Letjen. MT. Haryono No. 16             Jl. Lada No. 1                              Pemimpin/Head: Salmidjas Salam
                           Semarang - 50122                           Jakarta Kota - 11110                        Pinners Hall 105/108 Old Broad Street
                           Tel. : (62-24) 3556747, 3556746            Tel. : (62-21) 2601177, 2601175             London EC2N 1EN
                           Fax. : (62-24) 3547686                     Fax. : (62-21) 2601568                      Tel. : (44) 207-638-4070
                                                                                                                  Fax. : (44) 207-256-9945,
                           Kantor Wilayah 06/Regional Office 06                                                           (44) 207-628-5557
                           Jl. Jend. A. Yani 286
                           Gedung Graha Pangeran Lt. 3-4              Kantor Cabang/                              Kantor Perwakilan New York/
                           Surabaya - 60234
                           Tel. : (62-31) 8292820, 8292826            Perwakilan Luar                             New York Agency
                                                                                                                  Pemimpin/Head: Jusuf Rachmat
                           Fax. : (62-31) 8292805
                                                                      Negeri                                      One Exchange Plaza 55 Broadway New
                                                                                                                  York, NY 10006 USA
                           Kantor Wilayah 07/Regional Office 07        Overseas Branch/                            Tel. : (1-212) 943-4760
                           Jl. Jend. Sudirman No. 1 Makassar                                                      Fax. : (1-212) 344-5723
                           Sulawesi Selatan - 90115
                                                                      Representative Offices
                           Tel. : (62-411) 321926, 310593
                                                                      Kantor Cabang Singapura
Laporan Tahunan BNI 2006




                           Fax.: (62-411) 319562
                                                                      Singapore Branch Office
                                                                      Pemimpin/Head : Eri Unanto
                                                                      158 Cecil Street Dapenso Building
                                                                      PO Box 2260 Singapore
                                                                      Tel. :(65) 6225 7755
                                                                      Fax. :(65) 6225 4757



276
                           Outlet BNI (per Desember 2006)                                                                     BNI Outlet (as of December 2006)

                                                         Cabang            Capem          Kas Mobil          Kantor Kas           Total
                                                         Branch        Sub-Branch       Mobile Kiosk        Cash Offices           Total
                           Outlet Konvensional              216                579                25                98             918      Conventional Outlet
                           Outlet Syariah                        30             23                  -                 -             53                Sharia Outlet
                           Luar Negeri                            5               -                 -                 -              5                   Overseas
                           Total                            251                602                25                98             976                        Total
Informasi Perusahaan
Corporate Information




               Nama Perusahaan/Name of Company
               PT Bank Negara Indonesia (Persero) Tbk

               Pendirian Perusahaan/Establishment Date
               5 Juli 1946

               Komposisi Pemegang Saham (per 31 Desember 2006)/
               The Ownership Composition (as of December 31, 2006)
               • Negara Republik Indonesia/Republic of Indonesia     99.11%
               • Karyawan dan Direksi/Employee and BOD               0.05%
               • Masyarakat/Public                                   0.84%

               Pencatatan Saham/Listing
               Bursa Efek Jakarta/Jakarta Stock Exchange
               Bursa Efek Surabaya/Surabaya Stock Exchange

               Bidang Usaha/Line of Business
               Perbankan/Banking

               Kode Saham/Ticker Code
               BBNI

               Akuntan Publik/Public Accountant
               Purwantono, Sarwoko & Sandjaja
               (Ernst & Young)
               Jakarta Stock Exchange Building
               Tower 2, 7th Floor
               Jl. Jend. Sudirman Kav. 52-53
               Jakarta 12190
               Tel. (62-21) 5289 5000
               Fax. (62-21) 5289 4100

               Biro Administrasi Efek/Share Registrar
               PT Datindo Entrycom
               Puri Datindo
               Wisma Diners Club Annex
               Jl. Jenderal Sudirman Kav. 34
               Jakarta 10220
               Tel. (62-21) 570 9009
               Fax. (62-21) 570 9026

               Hubungan Investor/Investor Relations
                                                                              BNI Annual Report 2006


               Corporate Communication Division
               Gedung BNI, Lt. 24
               Jl. Jenderal Sudirman Kav. 1
               Jakarta 10220
               Tel. (62-21) 251 1946, 572 8387, 572 8037
               Fax. (62-21) 572 8295, 5728053
               E-mail: investor.relations@bni.co.id
               Website: www.bni.co.id
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Laporan Tahunan BNI 2006




278
Laporan Tahunan 2006




Melayani Negeri, Kebanggaan Bangsa


Jl. Jenderal Sudirman Kav. 1
Jakarta 10220
PO Box 2955 JKT
Tel. (62-21) 251 1946, 572 8387
Fax. (62-21) 572 8805
E-mail: investor.relations@bni.co.id
SWIFT BNIN IDJA

www.bni.co.id

								
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