Distribusi Simpanan Bank Umum September 2012
DAFTAR ISI Keterangan 2 Total Simpanan dan Jumlah Tabel 1 3 Pertumbuhan Total Simpanan dan Jumlah Grafik 1 3 Simpanan Berdasarkan Jenis Simpanan Tabel 2 4 Distribusi Total Simpanan Berdasarkan Jenis Simpanan Grafik 2 4 Distribusi Total Berdasarkan Jenis Simpanan Grafik 3 4 Simpanan Berdasarkan segmen Tabel 3 5 Distribusi Total Simpanan Berdasarkan Segmen Grafik 4 6 Distribusi Jumlah Berdasarkan Segmen Grafik 5 6 Distribusi Simpanan Berdasarkan Yang Tabel 4 7 Dijamin Distribusi Simpanan Yang Dijamin Tabel 5 7 Lembaga Penjamin Simpanan 1
KETERANGAN Sumber Data Data yang digunakan bersumber dari Laporan Posisi Simpanan yang disampaikan oleh bank kepada Lembaga Penjamin Simpanan. Definisi Simpanan meliputi Dana Pihak Ketiga dan simpanan dari bank lain. Simpanan Yang Dijamin meliputi: a. seluruh simpanan yang nominalnya Rp2 Miliar; b. proporsi simpanan yang dijamin (Rp2 Miliar) dari seluruh simpanan dengan nominal di atas Rp2 Miliar. Lembaga Penjamin Simpanan 2
Jan-08 Mei-08 Sep-08 Jan-09 Mei-09 Sep-09 Jan-10 Mei-10 Sep-10 Jan-11 Mei-11 Sep-11 Jan-12 Mei-12 Sep-12 I. PERTUMBUHAN TOTAL SIMPANAN DAN JUMLAH REKENING PADA BANK UMUM Bulan Tabel 1 Total Simpanan dan Jumlah 2008 2009 2010 2011 2012 Januari 76.216.654 1.477.608,16 82.796.506 1.760.227,18 88.480.348 1.966.836,06 97.500.965 2.330.579,53 100.995.991 2.812.388,54 Februari 79.256.070 1.481.430,12 82.558.402 1.783.743,21 89.097.749 1.948.440,83 98.091.890 2.316.084,58 100.339.507 2.809.349,44 Maret 79.554.793 1.473.142,53 82.864.439 1.798.126,33 90.108.129 2.000.608,70 98.809.698 2.381.977,94 101.097.601 2.879.533,85 April 79.879.927 1.488.202,65 83.816.417 1.791.613,78 90.838.036 1.999.163,25 99.360.056 2.368.030,02 101.531.209 2.894.012,62 Mei 78.033.850 1.511.028,94 83.191.216 1.796.570,84 91.956.415 2.029.219,63 99.237.439 2.424.450,11 110.120.237 2.958.972,39 Juni 78.168.653 1.562.197,73 83.428.901 1.834.702,38 92.907.696 2.113.484,33 99.553.678 2.467.293,90 111.011.366 3.010.180,98 Juli 79.208.538 1.542.725,41 84.011.868 1.820.084,23 93.937.955 2.104.264,85 99.992.834 2.494.705,98 112.124.718 3.011.850,23 Agustus 79.688.885 1.532.559,66 84.913.166 1.860.209,93 94.540.213 2.113.793,52 100.162.979 2.492.507,44 113.534.001 3.037.802,64 September 79.485.531 1.609.823,15 86.454.361 1.870.941,16 95.595.059 2.170.410,30 100.324.722 2.586.979,78 115.525.552 3.104.250,57 Oktober 81.826.867 1.682.898,73 86.011.880 1.877.601,44 96.115.812 2.201.834,15 100.681.831 2.625.158,05 Nopember 82.275.642 1.715.800,59 87.092.871 1.913.654,40 96.615.824 2.241.793,63 101.115.423 2.684.747,23 Desember 82.725.930 1.768.615,33 88.086.017 1.995.789,56 97.204.863 2.370.982,77 101.503.564 2.830.322,74 Grafik 1 Pertumbuhan Total Simpanan dan Jumlah Rp Miliar 3.500.000 140.000.000 3.000.000 2.500.000 2.000.000 1.500.000 1.000.000 500.000-120.000.000 100.000.000 80.000.000 60.000.000 40.000.000 20.000.000 - Total Simpanan Jumlah Lembaga Penjamin Simpanan 3
II. DISTRIBUSI SIMPANAN BERDASARKAN JENIS SIMPANAN Jenis Simpanan % Tabel 2 Simpanan Berdasarkan Jenis Simpanan Agust-12 Sep-12 % % % % % Giro 2.782.282 100,00% 716.220,85 100,00% 3.090.324 100,00% 742.641,31 100,00% 308.042 11,07% 26.420,46 3,69% Rupiah 2.452.152 88,13% 519.317,00 72,51% 2.741.504 88,71% 553.468,50 74,53% 289.352 11,80% 34.151,50 6,58% Valas 330.130 11,87% 196.903,85 27,49% 348.820 11,29% 189.172,81 25,47% 18.690 5,66% (7.731,04) -3,93% Tabungan 107.820.464 100,00% 971.723,75 100,00% 109.508.421 100,00% 983.159,59 100,00% 1.687.957 1,57% 11.435,84 1,18% Rupiah 107.303.143 99,52% 907.750,58 93,42% 108.965.799 99,50% 920.426,57 93,62% 1.662.656 1,55% 12.675,99 1,40% Valas 517.321 0,48% 63.973,17 6,58% 542.622 0,50% 62.733,02 6,38% 25.301 4,89% (1.240,15) -1,94% Deposito 2.931.422 100,00% 1.349.858,04 100,00% 2.926.807 100,00% 1.378.449,66 100,00% (4.615) -0,16% 28.591,62 2,12% Rupiah 2.764.068 94,29% 1.155.595,08 85,61% 2.759.698 94,29% 1.172.310,74 85,05% (4.370) -0,16% 16.715,66 1,45% Valas 167.354 5,71% 194.262,96 14,39% 167.109 5,71% 206.138,93 14,95% (245) -0,15% 11.875,96 6,11% Total 113.534.168 100,00% 3.037.802,64 100,00% 115.525.552 100,00% 3.104.250,57 100,00% 1.991.384 1,75% 66.447,93 2,19% Rupiah 112.519.363 93,01% 2.582.662,66 85,02% 114.467.001 93,01% 2.646.205,81 85,24% 1.947.638 1,73% 63.543,15 2,46% Valas 1.014.805 6,99% 455.139,99 14,98% 1.058.551 6,99% 458.044,76 14,76% 43.746 4,31% 2.904,77 0,64% Grafik 2a Distribusi Total Simpanan Bulan September 2012 Berdasarkan Jenis Simpanan 1.378.449,66 ; 44,41% 742.641,31 ; 23,92% 1=Rp1 Miliar Giro Tabungan Grafik 2b Distribusi Total Simpanan Bulan Agustus 2012 Berdasarkan Jenis Simpanan 1.349.858,04 ; 44,44% 716.220,85 ; 23,58% 1=Rp1 Miliar Giro Tabungan 983.159,59 ; 31,67% Deposito 971.723,75 ; 31,99% Deposito Grafik 3a Distribusi Jumlah Bulan September 2012 Berdasarkan Jenis Simpanan 2.926.807 ; 2,53% 3.090.324 ; 2,68% Grafik 3b Distribusi Jumlah Bulan Agustus 2012 Berdasarkan Jenis Simpanan 2.782.282 ; 2,45% 2.931.422 ; 2,58% Giro Tabungan Deposito Giro Tabungan Deposito 109.508.421 ; 94,79% 107.820.464 ; 94,97% Lembaga Penjamin Simpanan 4
III. DISTRIBUSI SIMPANAN BERDASARKAN SEGMEN NOMINAL SIMPANAN Simpanan % Tabel 3 Simpanan Berdasarkan Segmen Agust-12 Sep-12 % % % % % N 100 Jt 110.707.730 100,00% 489.388 100,00% 112.594.549 100,00% 486.822,55 100,00% 1.886.819 1,70% (2.565,45) -0,52% Rupiah 109.945.680 99,29% 473.149,57 96,72% 111.805.035 99,30% 470.870,56 96,72% 1.859.355 1,69% (2.279,01) -0,48% Valas 762.050 0,71% 16.238,43 3,28% 789.514 0,70% 15.951,99 3,28% 27.464 3,60% (286,44) -1,76% 100 Jt < N 200 Jt 1.255.628 100,00% 177.338 100,00% 1.271.901 100,00% 178.147,63 100,00% 16.273 1,30% 810,11 0,46% Rupiah 1.169.101 92,73% 164.811,64 92,75% 1.182.420 92,96% 165.632,11 92,97% 13.319 1,14% 820,47 0,50% Valas 86.527 7,27% 12.525,88 7,25% 89.481 7,04% 12.515,53 7,03% 2.954 3,41% (10,36) -0,08% 200 Jt < N 500 Jt 872.827 100,00% 275.708 100,00% 901.174 100,00% 278.541,63 100,00% 28.347 3,25% 2.834,03 1,03% Rupiah 790.346 89,83% 249.252,65 90,21% 811.720 90,07% 252.109,83 90,51% 21.374 2,70% 2.857,19 1,15% Valas 82.481 10,17% 26.454,96 9,79% 89.454 9,93% 26.431,80 9,49% 6.973 8,45% (23,16) -0,09% 500 Jt < N 1 M 355.627 100,00% 261.529 100,00% 375.006 100,00% 265.070,71 100,00% 19.379 5,45% 3.541,80 1,35% Rupiah 316.272 88,08% 233.009,69 88,96% 333.330 88,89% 236.443,93 89,20% 17.058 5,39% 3.434,24 1,47% Valas 39.355 11,92% 28.519,22 11,04% 41.676 11,11% 28.626,78 10,80% 2.321 5,90% 107,56 0,38% 1 M < N 2 M 190.971 100,00% 246.830 100,00% 200.655 100,00% 251.648,93 100,00% 9.684 5,07% 4.819,20 1,95% Rupiah 170.333 88,93% 218.467,65 88,41% 179.104 89,26% 223.465,25 88,80% 8.771 5,15% 4.997,61 2,29% Valas 20.638 11,07% 28.362,08 11,59% 21.551 10,74% 28.183,68 11,20% 913 4,42% (178,40) -0,63% 2 M < N 5 M 92.465 100,00% 300.918 100,00% 112.871 100,00% 306.406,24 100,00% 20.406 22,07% 5.487,90 1,82% Rupiah 79.074 83,43% 257.650,87 85,55% 96.548 85,54% 263.768,30 86,08% 17.474 22,10% 6.117,43 2,37% Valas 13.391 16,57% 43.267,46 14,45% 16.323 14,46% 42.637,94 13,92% 2.932 21,90% (629,52) -1,45% N > 5 M 58.920 100,00% 1.286.093 100,00% 69.396 100,00% 1.337.612,88 100,00% 10.476 17,78% 51.520,33 4,01% Rupiah 48.557 84,74% 986.320,59 76,96% 58.844 84,79% 1.033.915,83 77,30% 10.287 21,19% 47.595,24 4,83% Valas 10.363 15,26% 299.771,95 23,04% 10.552 15,21% 303.697,05 22,70% 189 1,82% 3.925,10 1,31% Total 113.534.168 100,00% 3.037.803 100,00% 115.525.552 100,00% 3.104.250,57 100,00% 1.991.384 1,75% 66.447,93 2,19% Rupiah 112.519.363 99,06% 2.582.663 85,03% 114.467.001 99,08% 2.646.205,81 85,24% 1.947.638 1,73% 63.543,15 2,46% Valas 1.014.805 0,94% 455.140 14,97% 1.058.551 0,92% 458.044,76 14,76% 43.746 4,31% 2.904,77 0,64% Lembaga Penjamin Simpanan 5
Grafik 4 Distribusi Total Simpanan Berdasarkan Segmen N > 5 M 42,34% 2 M < N 5 M 1 M < N 2 M 500 Jt < N 1 M 200 Jt < N 500 Jt 100 Jt < N 200 Jt 9,91% 8,13% 8,61% 9,08% 5,84% N 100 Jt 16,11% - 200.000 400.000 600.000 800.000 1.000.0001.200.0001.400.000 Grafik 5 Distribusi Jumlah Berdasarkan Segmen N > 5 M 2 M < N 5 M 1 M < N 2 M 500 Jt < N 1 M 200 Jt < N 500 Jt 100 Jt < N 200 Jt 0,05% 0,08% 0,16% 0,30% 0,76% 1,09% N 100 Jt 97,55% - 50.000.000 100.000.000 150.000.000 Lembaga Penjamin Simpanan 6
IV. DISTRIBUSI SIMPANAN BERDASARKAN NOMINAL SIMPANAN YANG DIJAMIN (Rp2 MILIAR) Simpanan % Tabel 4 Simpanan Berdasarkan Yang Dijamin Agust-12 Sep-12 % % % % % N 2 M 113.382.783 100,00% 1.450.792 100,00% 115.343.285 100,00% 1.460.231 100,00% 1.960.502 1,73% 9.439,69 0,65% Rupiah 112.391.732 99,13% 1.338.691 92,27% 114.311.609 99,09% 1.348.522 99,09% 1.919.877 1,71% 9.830,49 0,73% Valas 991.051 0,87% 112.101 7,73% 1.031.676 0,91% 111.710 0,91% 40.625 4,10% (390,80) -0,35% N > 2 M 151.385 100,00% 1.587.011 100,00% 182.267 100,00% 1.644.019 100,00% 30.882 20,40% 57.008,23 3,59% Rupiah 127.631 84,31% 1.243.971 78,38% 155.392 99,09% 1.297.684 78,93% 27.761 21,75% 53.712,66 4,32% Valas 23.754 15,69% 343.039 21,62% 26.875 0,91% 346.335 21,07% 3.121 13,14% 3.295,57 0,96% Total 113.534.168 100,00% 3.037.803 100,00% 115.525.552 100,00% 3.104.251 100,00% 1.991.384 1,75% 66.447,93 2,19% Rupiah 112.519.363 99,11% 2.582.663 85,02% 114.467.001 99,08% 2.646.206 85,24% 1.947.638 1,73% 63.543,15 2,46% Valas 1.014.805 0,89% 455.140 14,98% 1.058.551 0,92% 458.045 14,76% 43.746 4,31% 2.904,77 0,64% V. DISTRIBUSI SIMPANAN YANG DIJAMIN Simpanan % Tabel 5 Simpanan Berdasarkan Simpanan Yang Dijamin Agust-12 Sep-12 % % % % % N 2 M 113.382.783 100,00% 1.450.792 100,00% 115.343.285 100,00% 1.460.231 100,00% 1.960.502 100,00% 9.439,69 100,00% Rupiah 112.391.732 99,13% 1.338.691 92,27% 114.311.609 99,11% 1.348.522 92,35% 1.919.877 97,93% 9.830,49 104,14% Valas 991.051 0,87% 112.101 7,73% 1.031.676 0,89% 111.710 7,65% 40.625 2,07% (390,80) -4,14% N > 2 M 151.385 100,00% 302.770 100,00% 182.267 100,00% 364.534 100,00% 30.882 100,00% 61.764,00 100,00% Rupiah 127.631 84,31% 255.262 84,31% 155.392 85,26% 310.784 85,26% 27.761 89,89% 55.522,00 89,89% Valas 23.754 15,69% 47.508 15,69% 26.875 14,74% 53.750 14,74% 3.121 10,11% 6.242,00 10,11% Total 113.534.168 100,00% 1.753.562 100,00% 115.525.552 100,00% 1.824.765 100,00% 1.991.384 100,00% 71.203,69 100,00% Rupiah 112.519.363 99,11% 1.593.953 90,90% 114.467.001 99,08% 1.659.306 90,93% 1.947.638 97,80% 65.352,49 91,78% Valas 1.014.805 0,89% 159.609 9,10% 1.058.551 0,92% 165.460 9,07% 43.746 2,20% 5.851,20 8,22% - - Grafik 6 Distribusi Simpanan Berdasarkan Simpanan Yang Dijamin Rp1.279.485 M 41,22% 58,78% Rp1.824.765 M 47,04% Rp1.460.231 M 11,74% Rp364.534 M Simpanan Dijamin s.d. 2 Milyar Simpanan Dijamin > 2 Milyar Simpanan Yang Tidak Dijamin Lembaga Penjamin Simpanan 7