VOL: 8 No. 2 NOVEMBER 2 BULANAN STATISTIK PERBANKAN INDONESIA INDONESIAN BANKING STATISTICS ISSN: 2862954
KATA A PENGANTAR AR PREFACE Statistik Perbankan Indonesia (SPI) merupakan media publikasi yang menyajikan data mengenai perbankan Indonesia. Buku SPI ini diterbitkan secara berkala (bulanan) oleh Direktorat Perizinan dan Informasi Perbankan, Bank Indonesia, untuk memberikan gambaran perkembangan perbankan di Indonesia. Mulai penerbitan Edisi Januari 2, SPI disempurnakan dengan penambahan data baru yaitu Kredit Berdasarkan Nilai yang menyajikan nilai nominal kredit dan nilai wajar kredit Dengan penyempurnaan SPI ini, kami berharap agar data yang disajikan lebih memberikan manfaat yang optimal bagi pembaca. The Indonesian Banking Statistics (SPI) is a media publication that provides data regarding the banking industry in Indonesia. This publication is published monthly by Directorate of Bank Licensing and Banking Information, Bank of Indonesia, in order to represented the development of the Indonesian banking industry. Starting January 2 edition, SPI enhanced with the addition of new data that is credit based on the value, consist of the nominal of credit and fair value of credit. We sincerely hope that the data provided in the SPI will be of optimum benefits to our readers. Jakarta, Januari 2 BANK INDONESIA Direktorat Perizinan dan Informasi Perbankan Jakarta, January 2 BANK INDONESIA Directorate of Bank Licensing and Information ii Statistik Perbankan Indonesia, Vol. 8, No. 2, November 2
HALAMAN KETERANGAN PAGE OF REFERENCE Jadwal Publikasi Kedepan Edisi Desember 2 akan diterbitkan pada minggu ke III bulan Februari 2. Tandatanda, dan Sumber Data Suatu jumlah tidak selalu sama besarnya dengan penjumlahan angkaangka yang bersangkutan kaerena pembulatan. r Angkaangka diperbaiki ( ) Sebagian dari suatu jumlah * Angkaangka sementara ** Angkaangka sangat sementara *** Angkaangka sangatsangat sementara Tidak ada... Data belum tersedia Nol atau lebih kecil daripada digit terakhir $ Dolar Amerika Serikat Tanda koma pada angkaangka harap dibaca sebagai titik, dan sebaliknya tanda titik harap dibaca sebagai koma. Sumber : Bank Indonesia, kecuali jika dinyatakan lain. Alamat untuk berlangganan : Bagian Informasi, Administrasi dan Publikasi Perbankan (IAdmP) Bank Indonesia Menara Radius Prawiro, Lantai Jl. MH Thamrin No. 2, Jakarta 35 Telepon : (2) 38832, 3878 Fax : (2) 352375 Data dalam publikasi Bank Indonesia ini juga disediakan melalui website Bank Indonesia (http:// www/bi.go.id), selambatlambatnya minggu setelah edisi publikasi Alamat penyampaian pertanyaan : yeni_pratiwi@bi.go.id Telepon: (2) 3878 Fax: 352375 Advance Release Calender (ARC) December 2 edition will be released on the 3rd week of February 2. Notes, Symbols, and Sources of Data s do not necessarily agree with the sum of items shown because of roundings. r Revised figures ( ) Subset of data * Provisional figures ** Very provisional figures *** Estimated figures Not available... Data are not available yet Nil or less than the last digit $ US Dollar Commas in the numbers please read as point and vice versa, please read the point as a comma Source : Bank Indonesia, unless mentioned otherwise. Address for Subscription : Information, Administration and Publication Banking Division (IAdmP) Bank Indonesia Menara Radius Prawiro Building, nd Floor Jl. MH Thamrin No. 2, Jakarta 35 Phone : (2) 38832, 3878 Fax : (2) 352375 The data in Bank Indonesia publication are also provided through Bank Indonesia website http:// www/bi.go.id), no later than week ofter the edition. Address for queries : yeni_pratiwi@bi.go.id Telephone: (2) 3878 Fax: 352375 Indonesian Banking Statistics, Vol. 8, No. 2, November 2 iii
DAFT AFTAR AR ISI TABLE OF CONTENT KATA PENGANTAR i INTRODUCTION i HALAMAN KETERANGAN iii PAGE OF REFFERENCE iii DAFTAR ISI iv TABLE OF CONTENT iv PENJELASAN v CLARIFICATIONS v DAFTAR SINGKATAN ix LIST OF ABBREVIATIONS ix DAFTAR ISTILAH x LIST OF TERMS x DAFTAR RASIO xii LIST OF RATIOS xii DAFTAR TABEL xvi LIST OF TABLES xvi DATA DATA DATA BANK UMUM 3 COMMERCIAL BANK DATA 3 DATA PERBANKAN SYARIAH 9 SHARIA BANK DATA 9 DATA BANK PERKREDITAN RAKYAT (BPR) 7 RURAL BANK DATA 7 DATA PERKREDITAN 23 CREDIT DATA 23 GRAFIK 57 GRAPHIC 57 iv Statistik Perbankan Indonesia, Vol. 8, No. 2, November 2
PENJELASAN CLARIFICATIONS. Data yang digunakan dalam Publikasi Statistik Perbankan Indonesia bersumber dari Laporan Bulanan Bank Umum (LBU), Laporan Bulanan Bank Umum Syariah (LBUS), dan Laporan Bulanan Bank Perkreditan Rakyat (Lapbul BPR), kecuali dinyatakan lain. 2. Semua jenis data Bank Umum mencakup pula data Bank Umum Syariah dan unit usaha syariah dari bank umum konvensional, hal ini disebabkan karena pelaporan perbankan diolah sistem perbankan sebagai satu kesatuan. Untuk keperluan statistik perbankan syariah, disajikan data khusus perbankan syariah secara terpisah. 3. Data kinerja Bank Umum mengacu pada SE No.6/ 23/DPNP tanggal 3 Mei 24 perihal sistem penilaian tingkat kesehatan Bank Umum dan Data Kinerja Bank Umum Syariah mengacu pada SE No.9/24/DPbS tanggal 3 Oktober 27 perihal Sistem Penilaian Tingkat Kesehatan Bank Umum berdasarkan prinsip syariah. Mulai data Maret 2 dilakukan pemisahan data kinerja antara Bank Umum Konvensional dengan Bank Umum Syariah. 4. Data Kredit Mulai bulan Januari 2 Data Kredit Bank Umum disajikan berdasarkan jumlah menurut Biaya Perolehan atau Biaya Perolehan Diamortisasi atau Nilai Wajar. Biaya Perolehan adalah jumlah kas atau setara kas yang dibayarkan (diterima) atau nilai wajar dari imbalan lain yang diserahkan (diterima) untuk memperoleh suatu aset (menerbitkan suatu kewajiban) pada saat perolehan. Biaya Perolehan Diamortisasi adalah jumlah aset keuangan atau kewajiban keuangan yang diukur pada saat pengakuan awal dikurangi pembayaran pokok, ditambah atau dikurangi amortisasi kumulatif menggunakan metode suku bunga efektif yang dihitung dari selisih. The data used in the Indonesian Banking Statistics is derive from Commercial Bank Monthly Reports, Sharia Bank Monthly Reports and Rural Bank Monthly Reports. 2. The entire data on Commercial banks includes Sharia Commercial Banks and sharia business unit from conventional commercial banks data, because the bank reports are processed by the banking information system as a whole. For statistical purposes of sharia banking, specific sharia data are presented separately. 3. Commercial Bank Performance Data refer to the circular letter No. 6/23/DPNP May 3, 24 regarding the rating system for commercial banks and Sharia Banks Performance data refers to the circular letter No. 9/24/DPbS October 3, 27 regarding the Rating System for Commercial Banks Based on Sharia Principles. Starting in March 2, bank performance data are separated between conventional banks and sharia banks 4. Credit Data Starting in January 2 Credit Data of Commercial Banks are presented based on the amount of acquisition Cost or amortized acquisition cost or fair value. Acquisition cost is the amount of cash or cash equivalents paid (received) or the fair value of other rewards given (acceptable) to acquire an asset (issuing an obligation) at the time of acquisition. Acquisition costs amortized is the amount of financial assets or financial liabilities are measured at initial recognition minus principal payments, plus or minus the cumulative amortization using the effective interest method is calculated from the difference between initial value and maturity value. Decline in value is recognized by using the postal Reserves Value Losses Decrease. Indonesian Banking Statistics, Vol. 8, No. 2, November 2 v
antara nilai awal dan nilai jatuh temponya. Penurunan nilai diakui dengan menggunakan pos Cadangan Kerugian Penurunan Nilai. Nilai wajar adalah nilai dimana suatu aset dapat dipertukarkan atau suatu kewajiban diselesaikan antara pihak yang memahami dan berkeinginan untuk melakukan transaksi wajar (arm s length transaction). Selanjutnya, untuk mengetahui nilai nominal kredit disajikan tabel khusus yang menyajikan kredit berdasarkan nilai. Data kredit yang ditampilkan merupakan kredit yang tercatat di neraca Bank dan tidak memperhitungkan penerusan kredit yang tercatat dalam rekening administratif (offbalance sheet), kecuali dinyatakan lain. Cakupan kredit meliputi tagihan kredit kepada penduduk dan non penduduk (Untuk data BPR hanya meliputi tagihan kredit kepada penduduk). Data yang terkait dengan penjelasan tersebut di atas ditujukan untuk data dalam tabel kinerja; aktiva produktif; NPL (kecuali data NPL penerusan kredit offbalance sheet); kegiatan usaha; dan kredit (kecuali data penerusan kredit offbalance sheet). Mulai Edisi Januari 2 kredit berdasarkan jenis penggunaan tidak disajikan rinciannya. Cakupan kredit dalam publikasi ini berbeda dengan cakupan kredit pada publikasi SEKI. Mulai bulan Januari 2 data kredit MKM sementara disajikan menurut nilai nominal yaitu nilai yang tercantum dalam surat berharga atau kontrak yang diperjanjikan. Cakupan kredit MKM adalah: kredit mikro yakni kredit dengan plafon sampai dengan maksimum Rp5 juta, kredit kecil yakni kredit dengan plafon lebih dari Rp5 juta sampai dengan maksimum Rp5 juta, dan kredit menengah yakni kredit dengan plafon lebih dari Rp5 juta sampai dengan maksimum Fair value is the value which an asset could be exchanged, or a liability settled between the parties to understand and willing to perform normal transactions (arm s length transaction). Credit data constitutes the credits recorded in the balance of a Bank and does not taken into account channel of credit recorded in the offbalance sheet, unless otherwise stated. Credits include credit claims from citizens and noncitizens (Rural Bank data only includes credit claims from citizens). The data related to the information above is presented in the performance data tables: earning assets; nonperforming loans (NPL) (except for NPL data regarding channelling credit offbalance sheet); operations; and credits (except for channelling credit data regarding offbalance sheet). Starting January 2 edition, there is no detail for credit based on type of use. The scope of the credit in this publication is different from the coverage of credit in the publication SEKI. Starting in January 2 Data on Micro, Small, Medium Scale Business credit is presented according to the nominal value of listed securities or the contractual agreement. Data on Micro, Small, Medium Scale Business credit in this book mean: micro credit is credit with ceiling Rp up to Rp 5 million, Small credit is credit with ceiling Rp 5 million up to Rp 5 million, and Medium credit is credit is with ceiling Rp 5 million up to Rp 5 billion. Credit Data on Micro, Small, Medium Scale Business credit does not include data regarding credit cards or credits disbursed by Rural Banks. The data related to the infomartion above is presented in the performance data tables Micro Small, Medium Credit based on group of bank, vi Statistik Perbankan Indonesia, Vol. 8, No. 2, November 2
PENJELASAN Rp5 miliar. Data kredit MKM tidak mencakup data kartu kredit dan kredit yang disalurkan oleh BPR. Data yang terkait dengan penjelasan tersebut di atas ditujukan untuk data dalam tabel kredit MKM menurut kelompok bank, kredit MKM menurut jenis penggunaan, kredit MKM berdasarkan lokasi proyek per provinsi, dan kredit MKM berdasarkan sektor ekonomi. Yang dimaksud dengan Hubungan Dengan Bank pada tabel Kredit Bank Umum Berdasarkan Hubungan dengan Bank adalah status keterikatan antara bank dengan pihak yang melakukan transaksi dengan bank. Pihak terkait adalah perseorangan atau perusahaan/badan yang mempunyai hubungan dengan pengendalian bank, baik secara langsung maupun tidak langsung, melalui hubungan dengan kepemilikan, kepengurusan dan atau keuangan. Pihak tidak terkait adalah pihakpihak yang tidak termasuk pada pihak terkait dengan bank sebagaimana tersebut di atas. Yang dimaksud dengan Kredit yang penarikannya menggunakan kartu adalah pemberian fasilitas kredit yang penarikannya dilakukan dengan kartu kredit. 5. Data Non Performing Loan Data Non Performing Loan yang ditampilkan merupakan Non Performing Loan Gross, yakni tanpa memperhitungkan penyisihan yang dibentuk untuk mengantisipasi risiko kerugian. Data Non Performing ditampilkan dalam nominal dan persentase. Data yang terkait dengan penjelasan tersebut di atas ditujukan untuk data dalam tabel aktiva produktif; dan NPL. CLARIFICATIONS Micro Small, Medium Credit based on type of use, Micro Small, Medium Credit based on project location, Micro Small, Medium Credit based on economic sector. Bank Relationship on the table Commercial Bank Credit based on Bank relationship mean status related bank and the party which transaction with bank. Related party is any individual or company/entity exercising control over the bank, whether directly or indirectly, through ownership, management, and/ or financial relation. Not related party is other party excluding related party as mention above. Credit withdrawn by credit card 5. NonPerforming Loan Data Nonperforming loan data is show as the gross nonperforming loan, that is, without taking into account the reserve formed in anticipation of the risk of losses. Nonperforming loan data is show in nominal and percentage figures. Data related to the information above is shown as figures in the earning assets table; and NPL. 6. Data regarding money instruments in the funds disbursement account. Data regarding money instruments includes money instruments that are issued by a nonbank third party. The data does not calculate bonds from a recapitalization program issued by the Government. The data mentioned above is displayed in the business operations table. 7. The table displays the weightedaverage of interest rates. 8. Estimates of Additional PaidIn Capital The estimates are derived from the agio account; capital contributions; and adjustments resulting Indonesian Banking Statistics, Vol. 8, No. 2, November 2 vii
PENJELASAN 6. Data Surat Berharga dalam pos penyaluran dana Data surat berharga yang ditampilkan merupakan surat berharga yang diterbitkan oleh pihak ketiga bukan bank. Data yang ditampilkan tidak memperhitungkan obligasi dalam rangka program rekapitalisasi yang diterbitkan oleh Pemerintah. Data yang terkait dengan penjelasan tersebut ditujukan untuk data dalam tabel kegiatan usaha. 7. Data suku bunga menggunakan suku bunga ratarata tertimbang 8. Perkiraan Tambahan Modal Disetor Terdiri dari pos agio; (disagio); modal sumbangan; dan penyesuaian akibat penjabaran laporan keuangan kantor cabang di luar negeri. 9. Data Deposito berdasarkan jangka waktu untuk sementara tidak dapat disajikan.. Perkiraan Cadangan Terdiri dari pos Cadangan umum; Cadangan tujuan; dan Laba yang ditahan.. Proses Download Data Data Laporan Bulanan Bank Umum (LBU) dan Laporan Bulanan Bank Umum Syariah (LBUS) yang disampaikan dari bank pelapor kepada Bank Indonesia, diolah melalui Sistem Informasi Perbankan (SIP). Perbedaan waktu download data LBU melalui SIP dapat menyebabkan perbedaan pada data yang dipublikasikan ini dengan data publikasi yang lain. Oleh sebab itu, pembaca dihimbau untuk memperhatikan waktu download data. Pemrosesan data bulan laporan November 2 untuk Publikasi Statistik Perbankan Indonesia Edisi November 2 dilakukan pada tanggal 3 Januari 2. 2. Publikasi Publikasi Statistik Perbankan Indonesia juga dilakukan melalui website Bank Indonesia (www.bi.go.id). CLARIFICATIONS from the conversion of overseas branch office financial reports. 9. The data of time deposit can not be displayed temporary.. Estimates of Reserves The estimates are derived from the general reserve, designated reserves and retained earnings accounts.. Data downloading process Data from the Commercial Bank Monthly Reports and the sharia Bank Monthly Reports is submitted by the reporting banks to Bank Indonesia, and is processed using the Bank Indonesia Banking Sector Management Information System. The time taken to download data from Banking Information System can result in variations of the data that is published in this book, compared to other published data. Therefore, readers are recommended to taken into account the downloading time. The processing of the November 2 monthly reports for the November 2 edition of the Indonesian Banking Statistics was done on 3 Januari 2. 2. The Indonesian Bank Statistics Book is also published via the Bank Indonesia website (www.bi.go.id). viii Statistik Perbankan Indonesia, Vol. 8, No. 2, November 2
DAFT AFTAR AR SINGKATAN AN LIST OF ABBREVIA REVIATIONS APYD : Aktiva Produktif Yang Diklasifikasikan ATMR : Aktiva Tertimbang Menurut Risiko BOPO : Biaya Operasional terhadap Pendapatan Operasional BPD : Bank Pembangunan Daerah CAR : Capital Adequacy Ratio DPK : Dana Pihak Ketiga KAP : Kualitas Aktiva Produktif KBAB : Kewajiban Bersih Antar Bank KP : Kantor Pusat KC : Kantor Cabang KCP : Kantor Cabang Pembantu KK : Kantor Kas KPW : Kantor Perwakilan LBU : Laporan Bulanan Bank Umum LDR : Loan to Deposit Ratio NIM : Net Interest Margin NPL : Non Performing Loan PPAPYD : Penyisihan Penghapusan Aktiva Produktif yang Dibentuk PPAPWD : Penyisihan Penghapusan Aktiva Produktif yang Wajib Dibentuk ROA : Return on Assets SIP : Sistem Informasi Perbankan UKM : Usaha Kecil Menengah UMKM : Usaha Mikro Kecil Menengah NOM : Net Operating Margin FDR : Financing to Deposit Ratio APYD ATMR BOPO BPD CAR DPK KAP KBAB KP KC KCP KK KPW LBU LDR NIM NPL : Classified Earning assets : Risk Weighted Assets : Operations Expenses to Operations Income : Regional Development Bank : Capital Adequacy Ratio : Third Party Funds : Earning assets Qualtiy : InterBank Net Liabilities : Head Office : Branch Office : SubBranch Office : Cash Office : Representative Office : Commercial Bank Monthly Report : Loan to Deposit Ratio : Net Interest Margin : NonPerforming Loan PPAPYD : Productive Asset Writeoff Reserve PPAPWD : Mandatory Productive Asset Writeoff ROA SIP UKM UMKM NOM FDR Reserve : Return on Assets : Banking Information System : Small/MediumScaleEnterprise Industry : Small/Medium/MicroEnterprise Industry (SMEs) : Net Operating Margin : Financing to Deposit Ratio Indonesian Banking Statistics, Vol. 8, No. 2, November 2 ix
GLOSARIUM GLOSSARY Aktiva Produktif : Penanaman dana Bank baik dalam maupun valas dalam bentuk kredit, surat berharga, penempatan dana antar bank, penyertaan, termasuk komitmen dan kontinjensi pada transaksi rekening administratif. APYD : Aktiva produktif baik yang sudah maupun yang mengandung potensi tidak memberikan penghasilan atau menimbulkan kerugian ATMR : Terdiri dari :. aktiva neraca yang diberikan bobot sesuai kadar risiko kredit yang melekat 2. beberapa pos dalam offbalance sheet yang diberikan bobot sesuai dengan kadar risiko kredit yang melekat Call Money BI : Penempatan dana pada Bank Indonesia dalam bentuk call money yang merupakan intervensi rupiah oleh Bank Indonesia dalam rangka operasi pasar terbuka (OPT) DPK : Simpanan pihak ketiga bukan bank yang terdiri dari Giro, Tabungan dan Simpanan berjangka Kredit : Penyediaan uang atau tagihan yang dapat dipersamakan dengan itu, berdasarkan persetujuan atau kesepakatan pinjammeminjam Earning assets Classified Productive Assets Risk Weighted Assets BI Call Money Third Party Funds Credit : The investment of either or foreign currency by a Bank to the form of credits, money instruments, interbank placements, equity participation, including commitments and contingencies of the offbalance sheet account. : Earning assets that do not, or have the potential to not provide a profit or could even incur a loss. : Consists of:. Assets in the balance sheet that are ranked according to the level of risk of the credit in question. 2. Several accounts in the offbalance sheet that are ranked according to the level of risk of the credit in question. : Fund placements at Bank Indonesia in the form of call money, representing a rupiah intervention by Bank Indonesia as part of open market operations (OPT). : Nonbank third party deposits consisting of demand deposit, savings deposit and time deposit. : The provision of funds or related claims based on an agreement or contract to borrow/loan funds between banks and another party that obliges the borrower to pay x Statistik Perbankan Indonesia, Vol. 8, No. 2, November 2
DAFT AFTAR AR ISTILAH LIST OF TERMS Penerusan Kredit antara Bank dengan pihak lain yang mewajibkan pihak peminjam untuk melunasi utangnya setelah jangka waktu tertentu dengan pemberian bunga, termasuk :. Pembelian Surat Berharga nasabah yang dilengkapi dengan Note Purchase Agreement (NPA) 2. Pengambilalihan tagihan dalam rangka kegiatan anjak piutang : Kredit dalam rupiah maupun valas yang disalurkan oleh bank yang dananya berasal dari pihak lain, dan atas penyaluran kredit tersebut bank tidak menanggung risiko. Penerusan kredit ini dibukukan pada rekening administratif (offbalance sheet) Channelling Credit off his/her debt according to a designated schedule and interest charges, including:. The purchase of Money Instruments by clients, complete with a Note Purchase Agreement (NPA). 2. The transfer of claims involved in factoring activities. : Credit in rupiah or foreign currency that is from another party that is disbursed by a bank, wherein the bank does not bear any risk for the credit disbursement. Channelling credits are recorded in the offbalance sheet. Indonesian Banking Statistics, Vol. 8, No. 2, November 2 xi
DAFT AFTAR AR RASIO LIST OF RATIOS CAR Perhitungan rasio Car mulai edisi Maret 2 telah disesuaikan dengan ketentuan PBI No. /5/PBI/28 tanggal 24 September 28 perihal Kewajiban Penyediaan Modal Minimum Bank Umum, sebagai berikut: CAR = modal / ATMR Modal bagi Bank yang berkantor pusat di Indonesia terdiri dari: a. Modal inti (tier ); b. Modal Pelengkap (tier 2); dan c. Modal pelengkap tambahan (tier 3). Setelah memperhitungkan faktorfaktor tertentu yang menjadi pengurang modal sebagaimana dimaksud dalam pasal 3 dan pasal 2 pada PBI No. /5/PBI/28. Modal bagi kantor cabang dari bank yang kantor pusatnya berkedudukan di luar negeri adalah dana bersih kantor pusat (Net Head Office Fund) yang terdiri dari: a. Dana Usaha (Net Inter Office Fund); b. Laba ditahan dan laba tahun lalu setelah dikeluarkan pengaruh faktorfaktor sebagaimana dimaksud dalam pasal ayat (2) pada PBI No. /5/PBI/28; c. Laba tahun berjalan sebesar 5% setelah dikeluarkan pengaruh faktorfaktor sebagaimana dimaksud dalam pasal ayat (2) PBI No. /5/PBI/ 28; d. Cadangan umum modal; e. Cadangan tujuan modal; f. Revaluasi aset tetap dengan cakupan dan perhitungan sebagaimana dimaksud dalam pasal 6 ayat () huruf c PBI No. /5/PBI/28 g. Cadangan umum penyisihan penghapusan aset (PPA) atas aset produktif dengan perhitungan sebagaimana dimaksud dalam pasal 6 ayat () huruf d PBI No. /5/PBI/28. CAR Starting in March 2 CAR has been adjusted to the provisions of Regulation No. /5/PBI/28 September 24, 28 regarding the Capital Adequacy of Commercial Banks, as follows: CAR = capital / RWA Capital for the Bank is head office in Indonesia consists of: a. Core capital (tier ); b. Supplementary capital (tier 2); and c. Additional supplementary capital (tier 3). After taking into account certain factors that a reduction of capital referred to in Article 3 and Article 2 of Regulation No. / 5/PBI/28. Capital for foreign bank branch office is Net Head Office Fund consisting of: a. Operating Funds (Net Inter Office Fund); b. Retained earnings and profit last year after removed the influence of the factors referred to in Article paragraph (2) at No. PBI. /5/PBI/ 28; c. Profit for the year amounted to 5% after removed the influence of the factors referred to in Article paragraph (2) Regulation No. /5/PBI/ 28; d. General reserves; e. Designated reserves; f. Revaluation of fixed assets in the scope and calculation referred to in Article 6 paragraph () letter c PBI No. /5/PBI/ 28 g. General reserve asset allowance (PPA) of productive assets in the calculation referred to in paragraph Article 6 paragraph () letter d PBI No. /5/ PBI/28. After taking into account certain factors that a reduction of capital components as xii Statistik Perbankan Indonesia, Vol. 8, No. 2, November 2
DAFT AFTAR AR RASIO LIST OF RATIOS Setelah memperhitungkan faktorfaktor tertentu yang menjadi pengurang komponen modal sebagaimana diatur dalam pasal ayat () huruf b, pasal 3, dan pasal 2 pada PBI No. /5/PBI/28 ATMR terdiri dari: a. ATMR untuk Risiko Kredit; b. ATMR untuk Risiko Operasional; c. ATMR untuk Risiko Pasar. Setiap Bank wajib memperhitungkan ATMR untuk risiko kredit dan ATMR untuk risiko Operasional. ATMR untuk Risiko Pasar hanya wajib diperhitungkan oleh bank yang memenuhi kriteria tertentu sebagaimana diatur pada pasal 25 PBI No. /5/PBI/28. provided for in Article paragraph () letter b, Article 3 and Article 2 of Regulation No. /5/PBI/28 RWA consists of: a. RWA for credit risk; b. RWA for operational risk; c. RWA for market risk. Each Bank shall calculate RWA for credit risk and risk weighted assets for operational risk. RWA for market risk shall be calculated only by banks that meet certain criteria as stipulated in Article 25 Regulation No. /5/PBI/28. Sehubungan dengan Bank Umum Syariah (BUS) yang tidak mengikuti perhitungan KPMM sebagaimana ketentuan Bank Umum Konvensional maka data CAR untuk BUS disajikan secara terpisah pada tabel Kinerja BUS. Rasio KAP = APYD / Aktiva Produktif (sesuai SE No.6/23/DPNP anggal 3 Mei 24) Rasio ROA = Laba Sebelum Pajak disetahunkan / Ratarata total aset (sesuai SE No.6/23/DPNP tanggal 3 Mei 24) Rasio BOPO = beban operasional / pendapatan operasional Rasio dihitung per posisi (tidak disetahunkan) (sesuai SE No.6/23/DPNP anggal 3 Mei 24) Rasio Aktiva Pasiva = Aktiva Likuid < bulan / Pasiva Likuid < bulan Aktiva Likuid < bulan, terdiri dari:. Kas 2.Giro BI In that regarding to Sharia Commercial Banks (BUS) that do not follow the calculation of CAR as the Conventional Commercial Bank, the performance of BUS presented separately on Performance tables BUS. Earning assets Quality Ratio = Classified Earning Assets / Earning Assets (pursuant to Circular Letter No. 6/23/ DPNP dated May 3, 24) Return on Assets Ratio = Annual Profit before taxes / Average Assets (pursuant to Circular Letter No. 6/23/ DPNP dated May 3, 24) Operations Expenses / Operations Income = Operations expenses / Operations Income for the same period. (pursuant to Circular Letter No. 6/23/ DPNP dated May 3, 24) Liquid Asset to liquid Liabilities Ratio = Liquid Asset < month / Liquid Liabilities < month Indonesian Banking Statistics, Vol. 8, No. 2, November 2 xiii
DAFT AFTAR AR RASIO LIST OF RATIOS 3.SBI 4.Antar Bank Aktiva (giro, deposit on call, call money) Pasiva Likuid < bulan, terdiri dari:. Giro 2. Tabungan 3. Deposito 4. Kewajiban segera 5. Kewajiban pada bank lain (giro, deposit on call, call money) (sesuai SE No.6/23/DPNP tanggal 3 Mei 24) Rasio LDR = Kredit / Dana Pihak Ketiga Kredit merupakan total kredit yang diberikan kepada pihak ketiga (tidak termasuk antar Bank) Dana Pihak Ketiga mancakup giro, tabungan, dan deposito (tidak termasuk antar Bank) (sesuai SE No.6/23/DPNP anggal 3 Mei 24) LDR = Kredit / (Penghimpunan Dana + Modal Inti) Kredit, merupakan kredit yang diberikan kepada masyarakat dan bank lain Penghimpunan Dana, terdiri dari :. Simpanan pihak ketiga 2. Bank Indonesia 3. ABP lebih dari 3 bulan 4. Pinjaman yang diterima lainnya lebih dari 3bulan 5. Modal Pinjaman (sesuai SK Dir No.3/2/KEP/DIR tanggal 3 April 997 untuk BPR) Liquid Asset < month, consist of:.cash 2. Demand deposit on BI 3. Certificate of Bank Indonesia 4. Inter Bank Asset (demand deposit, deposit on call, call money) Liquid Liabilities < month, consist of:. Demand deposit 2. Savings deposit 3. Time deposit 4. Current liabilities 5. Liabilities to other bank (demand deposit, deposit on call, call money) (pursuant to Circular Letter No. 6/23/DPNP dated May 3, 24) Loan to Deposit Ratio = Credit / Third Party Funds Credit is total credit to third party (not including third party bank) Third Party Funds consist of Demand deposit, savings deposit and time deposits (not including interbank) (pursuant to Circular Letter No. 6/23/DPNP dated May 3, 24) Loan = Credit / (Collection of fund + tier one capital) Credit is total credit to third party and other bank Collection of fund, consist of :. third party deposit 2. Bank Indonesia 3. ABP more than three months 4. Loan received with maturity of more than three months 5. Loan Capital (pursuant to Circular Letter No. 3/2/KEP/DIR dated April 3,997 on BPR) xiv Statistik Perbankan Indonesia, Vol. 8, No. 2, November 2
Rasio NPL = (Kredit dalam kualitas Kurang lancar, Diragukan dan Macet) / Kredit Rasio NIM = Pendapatan Bunga Bersih / RataRata Aktiva Produktif Pendapatan Bunga Bersih = Pendapatan Bunga Beban Bunga perhitungan pendapatan bunga bersih disetahunkan. (sesuai SE No.6/23/DPNP tanggal 3 Mei 24) NonPerforming Loan Ratio = Credits that are substandard, doubtful and loss) / Credits Net Interest Margin Ratio = Net Interest Income / Average Earning assets Net Interest Income = Interest Income Interest charges Annual net interest income is used for the calculation of NIM (pursuant to Circular Letter No.6/23/DPNP dated May 3, 24) Rasio NOM = (PO DBH) BO/Ratarata AP (sesuai SE No.9/24/DPbS tanggal 3 Oktober 27) Net Operating Margin (NOM) = (operating income DBH) operational expenses/average Earning Assets (pursuant to cirtular lettet No.9/24/ DPbS dated October 3, 27) Indonesian Banking Statistics, Vol. 8, No. 2, November 2 xv
DAFT AFTAR AR TABEL LIST OF TABLES No. Judul Topic No. Tabel Tables Halaman Pages DATA. Kegiatan Usaha Perbankan 2 Bank Industries Operation DATA BANK UMUM COMMERCIAL BANK DATA 2. Kegiatan Usaha Bank Umum. s.d.7 4 Commercial Banks Operation 3. Laporan Laba/Rugi Bank Umum.8 s.d.4 Commercial Banks Income Statement 4. Rekening Administratif Bank Umum.5 s.d.2 8 Commercial Banks Off balancesheet 5. Kinerja Bank Umum.22 s.d.29 25 Commercial Banks Performance 6. Jumlah Bank Umum Berdasarkan TIngkat Rasio.3 33 Commercial Bank Based on Ratios 7. Aset Bank Umum.3 s.d.33 Commercial Banks Assets a. Perkembangan Aset Bank Umum.3 34 Commercial Banks Asset Growth b. Bank Umum Berdasarkan Aset.32 35 Commercial Banks based on Assets c. Peringkat Bank Umum Berdasarkan Aset.33 36 Commercial Banks Rating based on Assets 8. Aktiva Produktif Bank Umum.34 s.d.4 37 Commercial Banks Earning Assets 9. Non Performing Loan (NPL) Bank Umum Commercial Banks Non performing loan a. Pengelompokan Bank Berdasarkan Rasio NPL.4 44 Group of Banks based on NPL Ratio b. NPL Berdasarkan Sektor Ekonomi.42 s.d.49 45 NPL Based on Economic Sector c. NPL Berdasarkan Jenis Penggunaan.5 s.d.57 53 NPL based on type of use d. NPL Berdasarkan Lokasi Bank Penyalur.58 6 NPL based on Location of Bank xvi Statistik Perbankan Indonesia, Vol. 8, No. 2, November 2
DAFT AFTAR AR TABEL / LIST OF TABLES No. Judul Topic No. Tabel Tables Halaman Pages e. NPL Kredit yang penarikannya menggunakan kartu.59 62 Non performing loan withdrawn by credit card f. NPL UMKM.6 s.d.63 63 Non Performing loan of SMEs credit g. NPL Penerusan Kredit (offbalance sheet).64 67 NPL channelling credit (offbalance sheet). Dana Pihak Ketiga (DPK) Bank Umum Commercial Banks Third Party Funds a. Komposisi DPK.65 s.d.7 68 Composition of Third Party Funds b. Peringkat Bank Berdasarkan DPK.72 75 Bank Rating Based on Third Party Funds c. DPK Berdasarkan Lokasi Penghimpunan.73 s.d.74 76 Third Party Funds based on location of deposit. Suku Bunga Ratarata Dana Pihak Ketiga (DPK).75 s.d.8 78 Average of interest rate of Third party fund 2. Peringkat Bank Berdasarkan Kredit.82 85 Rating of Bank based on credits 3. Suku Bunga Ratarata Kredit.83 s.d.84 86 Average of Crerdit Interest Rates 4. Perkembangan Jumlah Bank dan Kantor Bank Growth of total banks and bank offices a. Perkembangan Jumlah Bank dan Kantor Bank Umum.85 88 Growth of total banks and commercial bank offices b. Perkembangan Jumlah Kantor Cabang Bank Berdasarkan Wilayah.86 89 Growth of total Branch offices based on Region DATA BANK SYARIAH SHARIA BANK DATA 5. Kegiatan Usaha Bank Umum Syariah 2. s.d 2.3 92 Sharia Commercial Bank Operation 6. Perkembangan Aset Perbankan Syariah 2.4 95 Growth of Sharia Bank Assets 7. Aktiva Produktif Perbankan Syariah 2.5 96 Earning Assets of Sharia Banks Indonesian Banking Statistics, Vol. 8, No. 2, November 2 xvii
No. Judul Topic No. Tabel Tables Halaman Pages 8. Komposisi DPK Perbankan Syariah 2.6 97 Composition of Third Party Funds of Syariah Banks 9. Tingkat Bagi Hasil Ratarata DPK Bank Syariah 2.7 98 Average of Profit Sharing Rates of Third Party Fund of Sharia Banks 2. TIngkat Margin Ratarata Pembiayaan 2.8 s.d 2.9 99 Average of Margin Rates of Financing 2. BPR Syariah 2. s.d 2. Syariah Rural Bank 22. Jaringan Kantor Perbankan Syariah 2.2 3 Sharia Bank Office Network 23. Kinerja Bank Umum Syariah 2.3 4 Islamic Commercial Bank Performance 24. Bank Umum Syariah Berdasarkan Tingkat Rasio 2.4 5 Sharia Commercial Based on Ratios DATA BANK PERKREDITAN RAKYAT RURAL BANK DATA 25. Kegiatan Usaha Bank Perkreditan Rakyat 3. 8 Rural Bank Operations 26. Kinerja Bank Perkreditan Rakyat 3.2 9 Rural Bank Performance 27. Perkembangan Aset BPR 3.3 s.d 3.4 Growth of Assets based Rural Bank Data 28. Non Performing Loan Bank Perkreditan Rakyat 3.5 s.d 3.6 2 Non Performing Loan of Rural Bank 29. Dana Pihak Ketiga Third Party Funds of Rural Bank a. Komposisi DPK Bank Perkreditan Rakyat 3.7 4 Composition of Third Party Funds of Rural Bank b. Komposisi DPK Berdasarkan Lokasi 3.8 5 Composition of Third Party Funds based on Location c. DPK BPR Berdasarkan Lokasi Penghimpun 3.9 6 Third Party Funds of Rural Banks Based on Location xviii Statistik Perbankan Indonesia, Vol. 8, No. 2, November 2
No. Judul Topic No. Tabel Tables Halaman Pages 3. Suku Bunga Ratarata DPK BPR 3. 7 Average of Third Party Interest Rates of Rural Banks 3. Suku Bunga Ratarata Kredit BPR 3. s.d 3.2 8 Average of Credit Interest Rates of Rural Banks 32. Perkembangan Jumlah Bank dan Kantor Bank Growth of Rural Banks and Bank Offices a. Perkembangan Jumlah BPR 3.3 2 Growth of Rural Bank b. Perkembangan Jumlah BPR Berdasarkan Lokasi 3.4 2 Growth of Rural Bank Offices based on Region DATA PERKREDITAN CREDIT DATA 33. Kredit Bank Umum Berdasarkan Sektor Ekonomi 4. s.d 4.8 24 Commercial Bank Credit based on Economic Sector 34. Kredit Bank Umum Berdasarkan Jenis Penggunaan 4.9 s.d 4.6 32 Commercial Bank Credit based on Type of Use 35. Kredit Bank Umum Berdasarkan Lokasi Bank Penyaluran 4.7 4 Commercial Bank Credit based on Location of Bank 36. Kredit Bank Umum Berdasarkan Hubungan dengan Bank 4.8 4 Credit of Commercial Banks based on Bank Relationship 37. Kredit yang Penarikannya Menggunakan Kartu 4.9 42 Credit Withdrawn by Credit Card 38. Penerusan Kredit Bank Umum 4.2 s.d 4.2 43 Commercial Bank Channelling Credit 39. Kredit Berdasarkan Nilai 4.22 45 Credit Based on Value 4. Pembiayaan Perbankan Syariah 4.23 s.d 4.25 46 Detailed financing of sharia banks 4. Kredit Bank Perkreditan Rakyat 4.26 s.d 4.28 49 Rural Bank Credit 42. Kredit UMKM 4.29 s.d 4.33 52 Micro, Small, and Medium Enterprises Credit Indonesian Banking Statistics, Vol. 8, No. 2, November 2 xix
Halaman ini sengaja dikosongkan xx Statistik Perbankan Indonesia, Vol. 8, No. 2, November 2
DATA
Statistik Perbankan Indonesia Vol. 8, No. 2, November 2 Indonesian Banking Statistics Vol. 8, No. 2, November 2 Tabel Kegiatan Usaha Perbankan (Bank Industries Operation) Indikator 24 25 26 27 28 Nov 2 9 Des Jan Feb Mar Apr Mei 2 Jun Jul Ags Sep Okt Nov Indicator Penyaluran Dana Bank Umum Bank Perkreditan 932.97.4.278.38.373 2.5.22 2.5.22 5.45 8.96 2.94 26.549 3.33 2.2.646 35.8 2.282.79 36.76 2.25.588 36.397 2.27.26 36.927 2.32.989 37.543 2.337.75 38.57 2.358. 38.559 2.44.99 39.43 2.449.93 39.742 2.459.283 39.95 2.57.923 4.5 2.567.464 42.72 2.62.6 42.88 Distribution of Funds Commercial Banks Rural Banks SBI dan SBIS 94.58 54.256 79.45 66.58 66.58 99.442 22.6 24.24 237.447 22.523 255.436 253.599 224.264 9.54 28.727 76.265 47.33 42.583 SBI dan SBIS Sumber Dana Bank Umum Bank Perkreditan Rakyat.5.769.283.48.468.369.99.345.99.345 2.9 5.453 8.733 22.629 26.345 2.94.344 29.6 2.8.934 3.367 2.26.38 3.736 2.23.587 3.296 2.77.35 3.828 2.79.279 32.346 2.23.35 32.73 2.289. 33.3 2.285.753 33.588 2.293.54 33.727 2.346.82 34.676 2.374.744 35.439 2.425.678 36.38 Source of Funds Commercial Banks Rural Banks Jumlah Aset Bank Umum Bank Perkreditan Rakyat.272.8.469.827.693.85.986.5 2.3.557 6.77 2.393 23.45 27.74 32.533 2.439.73 36.74 2.534.6 37.554 2.52.6 37.89 2.57.4 38.482 2.563.662 39.39 2.576.235 39.489 2.63.352 4.5 2.678.265 4.725 2.683.46 4.49 2.7.83 4.74 2.758.66 42.832 2.796.48 44.65 2.856.274 44.726 Assets Commercial Banks Rural Banks Jumlah Bank Bank Umum Bank Perkreditan 33 3 3 3 24 2.58 2.9.88.87.772 2.746 2.733 2.735 2.78 2.78 22.72 23.73 23.75 22.76 22.77 22.75 22.77 22.76 Banks Commercial Banks Rural Banks Jumlah Kantor Bank Umum Bank Perkreditan 7.939 8.236 9. 9.68.868 3.472 3. 3.73 3.25 3.367 2.795 3.67 2.837 3.644 2.87 3.663 2.94 3.67 2.933 3.78 2.944 3.75 2.958 3.789 2.972 3.82 3.246 3.848 3.38 3.857 3.379 3.86 3.456 3.833 3.633 3.88 Bank Offices Commercial Banks Rural Banks Ket : Sertifikat Bank Indonesia Syariah Note : Bank Indonesia Certificates on Sharia Principles (SBIS) 2
DATA A BANK UMUM
Statistik Perbankan Indonesia Vol. 8, No. 2, November 2 Indonesian Banking Statistics Vol. 8, No. 2, November 2 Tabel. Kegiatan Usaha Bank Umum (Commercial Banks Operation) Indikator Penyaluran Dana a. Kredit b. Antar Bank Giro Inter Bank Deposito Lainnya c. Penempatan di BI Giro SBI Call Money Lainnya d. Surat Berharga (tidak termasuk obligasi rekap) e. Penyertaan f. Tagihan Lainnya Sumber Dana a. DPK Giro Deposito Tabungan Giro Deposito Tabungan b. Kewajiban kpd BI c. Antar Bank d. Surat Berharga e. Pinjaman yang Diterima f. Kewajiban Lainnya g. Setoran Jaminan Beberapa Komponen Modal a. Modal Disetor b. Cadangan c. L/R tahun berjalan d. L/R tahun lalu e. Perkiraan tambahan modal disetor f. Modal pinjaman Ket: ) Lihat Penjelasan hal iii 2 9 2 24 25 26 27 28 Indicator Nov Des Jan Feb Mar Apr Mei Jun Jul Ags Sep Okt Nov 559.47 438.645 2.825 3.473 7.87 4.84 2. 34.76 27.944 77.3 94.58 3.882 4.875 37.788 6.6 8.36 963.6 88.28 7.843 35.46 295.95 44.898 74.879 69.53 489 2.76 89.369 4.26 9.82 6.295 3.57 3.73 3.424 64.62 5.285 29.463 27.73 53.97.737 695.648 792.297.2.2.37.688 565.846 638.5 79.65.54.289 29.82 53.798 2.47 253.399 59.2 56.96 39.777 23.779.39 9.5.562 4.38 9.425 83.34 58.77 8.435 7.792 2.86 2.435 2.436 39.764 44.455 57.64 7.589 29.578 343.455 48.269 322.333 2.266 25.79 67.566 83.927 54.256 79.45 23.863 66.58 39.743 2.26 35.727 49.799 3.32 7.43.4 22.9 44.224 55.988 8.7 3.85 6.22 5.924 5.62 6.626 25.586 25.83 28.835 5.944.27.937.287.2.5.834.753.292 93.6.93.445.284.797.46.443 93.854 249.564 39.335 37.743 455.38 5.8 54.982 675.983 28.268 333.873 434.48 476.77 97.777 93.657 226.37 292.849 87.558 88.447 96.26 22.257 9.995 5.55 25.726 48.722 224 55 4.95 2.87.874.87 9.5.272 99.47 9.454 37.79 58.648 3.4 4.942 7.333 4.3.46 2.883 4.39 2.949 8.58 7.23 8.23 8.395 2.898 5.86 6.296 4.554 6.92 9.93 24.893 34.663 3.242 3.267 4.69 5.22 69.548 73.46 78.928 86.283.649 3.997 8.696 2.765 24.897 28.334 35.5 3.66 8.478 6.88.736 35.346 37.82 42.248 45.43 37.85 4.464 4.946 4.863.47.397.578.99.84 97.738 262.57 5.35 28.642 2.25 62.363 347.58 97.5 99.442 32.334 8.232 44.62 9.945 38.983.896.952.578.79 324.64 738.46 55.662 38.233 39.738 39.63 38.865 8.34 28.88 4.934 2.766 8.94 4.672 27.3 5.97 94.263 24.67 4.389 53. 39.659.59.437.93.228.656 29.273 26.474 68.86.883 2.746 6.758 397.897.364 22.6 6.758 23.659 34.96. 39.98.973.42.656.625 332.729 758.28 565.66 36.47 33.59 43.429 39.829 8.28 34.543 4.98 2.553 3.3 8.422 22.874 5.977 96.3 24.54 45.25 52.85 4.958.454.45.64.25.66 99.98 246.537 37.92 24.783 24.42 6.259 42.82 2.7 24.24 67.3.686 28.6.565 39.865.948.89.636.9 33.826 76.9 544.64 3.989 32.824 37.87 4.295 7.77 3.563 3.662 22.753 3.54 9.23 5.76 4.594 96.668 24.78 5.63.23 4.4.29.428.788.229.39 99.479 255.926 47.539 3.934 24.7 53.436 45.479.925 237.447 48.63 8.945 27.333.744 42.756.93.638.62.246 37.72 768.73 534.84 3.392 3.62 37.76 4.55 7.593 2.948 3.639 25.272 3.63.642 9.8 4.389 96.823 24.75 9.528 99.94 4.72.236.456.4.257.292 98.822 264.922 46.468 3.63 26.939 6.884 43.375 99.37 22.523 6.933 2.549 22.869.968 44.74.982.262.657.988 328.774 795.475 533.74 324.273 42.283 39.58 42.472 7.449 29.275 2.89 27.734 4.49 3.35 3.426 4. 97.89 23.845 5.74 96.47 4.274 948.486.329.282.638 23.69 262.695 49.353 26.84 27.36 59.43 43.64 4.524 255.436 35.685 7.58 9.54.45 45.57.98.45.662.536 324.624 82.754 535.58 37.95 37.474 35.83 45.357 7.38 39.42 2.474 22. 4.579 7.42 3.64 4.29 97.94 24.358 9.438 93.88 42.676.945.53.556.35.558 25.998 246.635 5.99 6.32 26.494 6.849 398.368 97.733 253.599 37.9 9.945 28.86.64 42.752 2.3.26.7.476 337.79 88.6 544.696 32.74 35.96 32.643 44.37 6.949 35.337 3.53 24.583 4.52.7 5.72 4.365 98.499 25.37 24.332 87.83 42.246.928.586.492.36.52 225.99 252.99 5.63 2.26 24.452 66.98 424.28 2.947 224.264 78.623 8.375 24.58.427 4.57 2.96.36.764.47 369.94 829.798 564.669 33.629 52.222 33.272 46.36 6.99 3.3 5.27 23.78 5.246 8.534 2.726 4.42 99.929 27.733 29.33 78.94 42.583.986.597.98.37.29 226.77 258.274 45.298 23.32 24.68 64.993 44.492 4.754 9.54.85 8.348 22.364.535 45.448 2.82.595.743.268 354.243 87.896 57.3 339.326 52.639 38.289 48.398 6.57 4.853 4.27 23.5 5.54 7.997 4.9 3.888.93 27.683 34.279 77.39 45.268 2.36.64.43.43.466 236.964 265.798 49.39 28.7 24.387 63.392 373.982 99.224 28.727 54.258.773 27.29.87 4.73 2.92.779.749.539 347.92 82.89 58.529 343.24 48.448 43.87 5.76 6.642 38. 4.469 24.226 6.98 7.37 3.38 3.935 2.229 27.747 38.949 77.56 45.377.778.659.45.49.454 239.69 256.23 48.7 4.633 3.573 62.956 49.4.75 76.265.322 2.848 3.3.2 4.74 2.44.64.794.35 352.22 84.85 6.368 349.759 52.8 44.429 53.223 6.336 35.79 4.227 28.668 4.529 4.39 3.68 4.29 2.759 27.78 43.363 76.375 46.262 4.78.675.633.43.94 244.729 244.7 43.375 6.76 29.953 65.298 466.39.995 47.33 92.473 25.69 28.784.35 4.64 2.73.884.828.594 352.89 869.73 66. 345.29 44.884 46.679 53.727 6.4 33.629 4.7 29.966 6.7 3.266 2.929 4.26 3.73 27.768 49.57 76.59 46.54 2.528.76.43.446.675 259.728 23.776 39.9 96.943 28.59 66.44 479.46 58.453 42.583 49.536 28.845 48.246.28 44.479 2.22.25.867.85 366.443 88.66 69.98 345.29 45.493 45.345 54.29 6.222 47.22 5.622 25.694 6.835 8.859 4.25 4.5 3.3 27.84 53.986 76.38 48.4 4.592 Distribution of Funds a. Credit ) b. InterBank Demand Deposit Call Money Times Deposits Others c. Placements at BI Demand Deposit Bank Indonesia Certificates (SBI) Call Money Others d. Securities (not including recapitalization bonds) e. Equity Participation f. Other Claims Source of Funds a. Third Party Funds Demand Deposits Times Deposits Savings Deposits Demand Deposits Times Deposits Savings Deposits b. Liabilities owed to BI c. InterBank d. Securities e. Loans received f. Other Liabilities g. Guarantee Deposits Components of Capital a. PaidIn Capital b. Reserves c. Current Earnings /Loss d. Retained Earnings/Loss e. Estimates of Additional Paid In Capital f. Loan Capital Note: ) see explanation page iii 4
Statistik Perbankan Indonesia Vol. 8, No. 2, November 2 Indonesian Banking Statistics Vol. 8, No. 2, November 2 Tabel.2 Kegiatan Usaha Bank Persero (State Owned Banks Operation) Indikator 2 9 2 24 25 26 27 28 Indicator Nov Des Jan Feb Mar Apr Mei Jun Jul Ags Sep Okt Nov Penyaluran Dana a. Kredit b. Antar Bank Giro Inter Bank Deposito Lainnya c. Penempatan di BI Giro SBI Call Money Lainnya d. Surat Berharga (tidak termasuk obligasi rekap) e. Penyertaan f. Tagihan Lainnya 222.855 7.427 5.429 28.865 2.783.758 3.55.773 64.32 35.5 5.99 9.98 2.84 2.384 3.758 8.44 256.43 287.9 356.5 47.665 24.534 23.582 282.55 396.24 5.879 56.328 74.95 74.64 44.496 47.679 4.287 62.23 2.298 2.76 3.55 2.447 28.756 29.772 5.574 26.395 3.773 3.994 3.87 3.728 9.668.27 9. 9.453 72.469.745 5.828 4.99 4.85 52.29 78.3 33.759.2 29.736 46.2 36.763 4.9 9.649 2.758 34.4 5.587.7 6.756.455.92.93 29.67 28.742 3.327 2.872.922.842 3.52.33.372 4.258 53.249 475.346 55.92 94.593 27.878 4.792 4.467 2.456 84.639 32.352 3.6 5.629 5.497 4.298.958 2.55 544.87 486.859 58. 99.4 35.572 39.55 4.228 2.5 35.86 39.88 42.32 43.835 9.887 35.425 2. 3.796 529.897 474.772 55.26 8.727 5.567 38.737 7.92 9.23 4.724 42.549 6.6 35.584.43 25.79 2.53 3.822 536.47 48.957 55.54 82.5 22.88 42.487 4.864 2.352 29.99 5.565 53.734 22.56 3.465 28.324 2.54 5.987 55.334 494.728 55.66 85.39 2.533 38.858 5.576 2.73 96.89 34.64 4.37 5.344 6.5 28.448 2.56 6.483 557.986 52.262 55.725 85.29 24.886 35.95 5.35 9.59 2.273 52.32 59.783 6.535.652 29.78 2.6 7.88 57.64 53.82 57.82 8.977 26.24 29.7 7.39 8.897 99.686 35.56 55.478 4.34 4.54 33.383 2.9 5.22 588.755 526.2 62.653 83.6 2.766 36.355 3.75 2.73 6.42 37.524 43.23 34.28.368 3.596 2.954 3.47 589.895 528.48 6.747 88.993 22.428 4.96 4.635 2.23 93.23 37.254 4.8.788 4.63 33.449 2.2 6.8 6.865 537.838 64.27 89.634 27.57 38.92 3.99 9.962 79.78 36.8 36.684 6.375 34.233 2.26 3.644 65.795 54.793 64.3 85.956 28.58 33.6 6.659 8.8 86.385 35.967 24.242 22.42 3.765 37.2 2.44 3.775 6.383 544.57 65.82 78.458 2.688 3.5 5.56 2.5 2.74 36.29 22.22 47.93 5.748 36.52 2.73 2.937 62.69 55.699 69.992 75.4 8.43 27.43 5.239 24.38 6.43 58.489 9.438 38.36 35 4.25 2.237 5.682 Distribution of Funds a. Credit ) b. InterBank Demand Deposit Call Money Times Deposits Others c. Placements at BI Demand Deposit Bank Indonesia Certificates (SBI) Call Money Others d. Securities (not including recapitalization bonds) e. Equity Participation f. Other Claims Sumber Dana a. DPK Giro Deposito Tabungan Giro Deposito Tabungan b. Kewajiban kpd BI c. Antar Bank d. Surat Berharga e. Pinjaman yang Diterima f. Kewajiban Lainnya g. Setoran Jaminan 375.73 333.328 63.449 28.83 4.48 42.43 9.762 22.59 23 7.486 43.599 9.259 7.47 4.645 2.773 4.539.955 43.397 48.394 57.8 669.827 373.24 426.6 59.552 588.74 7.59 88.947 2.749 23.438 66.542 76.78 79.33 235.29 36.53 6.496 28.49 23.47 58.92 54.234 6.456 8.23 23.83 23.377 24.865 28.329 34.77 3.88 36.559 45.395 23 38 33 7.399 7.673 6.493 5.88 5.446 33.734 33.422 4.998 52.23 8.559 9.379 9.259 5.63 9.2 6.75 6.74 3.88 6.666 4.482 4.8 3.68 2.354 2.268 2.595 262 4.993 5.366 7.578 7.74.747.645 2.39 2.838 72.979 69.85.569 265.927 242.589.894 37.455 55.77 9.262 4.565 45.425 5. 6.767 3.325 3.443 8.3 2.9 783.384 68.37 36.52 274.965 268.894 3.3 36.9 57.236 9.687 4.49 45.539 5.43 5.886 8.629 7.257 7.324 3.4 756.25 658.552 29.37 275.632 253.549 97.573 34.25 53.67 9.75 4.452 3.499 5.69 5.778 8. 7.676 7. 2.3 73.73 632.84 9.63 275.777 247.47 98.26 35.3 53.25 9.755 4.452 34.968 5.34 8.393 8.65.327.85 2. 746.88 644.62 9.282 285.478 249.86.567 36.93 54.688 9.948 4.453 33.764 4.982 2.8 8.3.995 6.2 2. 744.237 644.3.735 283.427 248.952.23 35.442 54.556.26 4.372 43.558 5.2 4.3 7.798 6.35 6.28 2.82 745.2 647.877 9.22 287.223 25.434 97.35 34.64 53.95 9.876 4.73 38.22 4.96 6.77 7.772 8.935 6.527 2.224 778.439 673.92 23.442 288.892 26.858 5.247 46.45 47.967.865 4.33 36.8 6.585 5.648 8.237 7.4 5.297 2.3 759.868 656.469 5.329 28.48 26.659 3.399 42.389 5.96.94 4.378 4.62 5.84 5.278 8.398 6.88 6.273.826 76.4 652.348.99 277.2 264.29 7.766 44.9 52.796.96 4.262 37.378 5.836 4.542 8.353 6.9 5.73.794 774.385 664.544 6.58 286.27 27.835 9.84 45.3 52.939.789 4.295 32.496 5.89 8.869 5.969 2.9 6.72.84 782.626 678.68 8.557 297.2 272.49 4.558 38.67 54.7.78 4.2 32.893 5.8 2.44 8.9 2.25 6.96.882 798.25 694.23.47 32.67 28. 4.2 37.697 54.425.98 4.288 36.597 5.774 5.75 8. 7.65 6.387 2.45 Source of Funds a. Third Party Funds Demand Deposits Times Deposits Savings Deposits Demand Deposits Times Deposits Savings Deposits b. Liabilities owed to BI c. InterBank d. Securities e. Loans received f. Other Liabilities g. Guarantee Deposits Beberapa Komponen Modal a. Modal Disetor b. Cadangan c. L/R tahun berjalan d. L/R tahun lalu e. Perkiraan tambahan modal disetor f. Modal pinjaman 27.284.88 2.5 4.278 25.33.255 27.439 27.75 28.572 29.965 5.933 8.97.837 2.363 9.85 9.644 3.332 3.59 3.528 2.7.772 7.58 9.85 3.45 5.864.96 3.844 3.844 3.98 27. 2.4 4.65 4.74 4.635 28.79 2.42 8.5 4.3 5.398 28.79 2.42.69 32.446 5.35 28.79 2.42 3.44 3.825 4.766 28.796.987 5.494 3. 5.62 28.796.986 6.977 3.284 5.89 28.82 2.67 8.652 27.54 5.9 28.82 3.567.79 24.428 5.32 28.82 3.567 2.836 24.468 5.3 25 28.82 3.567 4.563 24.499 5. 5 28.82 3.567 6.2 24.493 5.43 2.4 28.83 3.567 8.692 24.452 5.49 6 28.84 3.567 2.99 24.463 6.787 78 Components of Capital a. PaidIn Capital b. Reserves c. Current Earnings /Loss d. Retained Earnings/Loss e. Estimates of Additional PaidIn Capital f. Loan Capital Ket: ) Lihat Penjelasan hal iii Note: ) see explanation page iii 5
Statistik Perbankan Indonesia Vol. 8, No. 2, November 2 Indonesian Banking Statistics Vol. 8, No. 2, November 2 Tabel.3 Kegiatan Usaha BUSN Devisa ( Commercial Banks Operation) Indikator 2 9 2 24 25 26 27 28 Indicator Nov Des Jan Feb Mar Apr Mei Jun Jul Ags Sep Okt Nov Penyaluran Dana a. Kredit b. Antar Bank Giro Inter Bank Deposito Lainnya c. Penempatan di BI Giro SBI Call Money Lainnya d. Surat Berharga (tidak termasuk obligasi rekap) e. Penyertaan f. Tagihan Lainnya 29.76 8.832 27.344 28.33 2.95 3.68 2.4 9.973 92.738 3.34 53.93 8.5 344 9.34 2.5 4.827 277.59 35.256 47.742 524.295 248.996 276.768 35.35 452.63 28.594 38.488 56.39 7.682 48.464 45.98 37.76 57.6 4.965 3.54 3.9 2.825 27.63 23.795 6.692 6.35 4.455 3.887 2.783 5.355.882 4.72 5.5 3.486 75.93 33.4 46.66 6.73 43.5 49.33 54.966 32.354 5.898 79.344 83.476 73.834 4.788 4.484 8.48 6.99.76 26 3.633 23.89 29.72 55.47 59.65 2.66 2.979 3.63 4.68 6.427 8.62.892 7.4 532.2 474.967 57.53 66.34 4.93 32.45 6.266 2.72 66.48 46.73.76 5.42 3.99 69.578 7.846 4.77 555.67 492.45 63.573 58.649 23.58 7.242 4.842 2.986 73.9 42.473 8.589 6.583 5.444 69.2 7.888 4.5 54.737 48.342 6.395 69.593 3.953 35.75 6.65 3.95 78.7 4.453 22.52.472 3.266 68.946 7.925 3.525 552.92 49.598 6.594 72.954 5.679 35.5 7.49 4.273 75.93 4.59 23.624 7.85 2.9 67.55 8.92 3.7 56.354 5.658 59.696 76.459 6.82 37.472 8.34 3.826 87.29 45.468 22.44 6.653 2.569 63.53 8.266 4.85 575.659 54.357 6.33 77.86 7.4 39.547 7.886 3.287 82.28 42.245 28.5 9.226 2.47 62.3 8.47 4.22 596.4 529.775 66.229 72.339 5.936 35.7 6.53 4.7 83.694 4.74 3.25.874.856 65.25 8.354 4.286 62.846 553.92 67.944 77.969 2.352 35.997 6.93 4.69 84.85 44.39 2.29 6.379 2.6 65. 8.329 4.794 632.629 56.73 7.9 79.322 6.4 4.653 6.373 5.56 88.96 45.389 98.769 4.852 2.85 66.475 8.373 5.3 653.864 579.786 74.78 84.37 5.36 48.279 6.894 4.62 73.948 4.93 7.77 22.79 3.5 67.83 8.65 4.73 66.785 586.477 74.38 8.59 2.396 46.63 7.9 4.83 92.3 43.55 96.22 43.99 8.46 68.355 8.86 4.553 668.876 592.544 76.332 78.28 5.388 42.543 6.437 3.76 23.46 42.889 79.965 8.74 9.478 68.73 9.2 4.985 686.5 65.89 8.926 7.84 4.3 39.36 5.93 2.673 22.276 66.393 68.687 72.75 3.492 82.54 8.94 5.777 Distribution of Funds a. Credit ) b. InterBank Demand Deposit Call Money Times Deposits Others c. Placements at BI Demand Deposit Bank Indonesia Certificates (SBI) Call Money Others d. Securities (not including recapitalization bonds) e. Equity Participation f. Other Claims Sumber Dana a. DPK Giro Deposito Tabungan Giro Deposito Tabungan b. Kewajiban kpd BI c. Antar Bank d. Surat Berharga e. Pinjaman yang Diterima f. Kewajiban Lainnya g. Setoran Jaminan 43.53 357.288 6.24 62.725 34.323 46.242 27.42 8.82 28 4.5 8.52 2.63.62.94 57 5.235 746 462.747 525.77 66.932 7.7 397.939 455.98 528.54 597.459 58.7 68.884 9.52 89.67 27.98 244.89 252.222 39.732 22.67 4.324 84.429 98.2 64.88 7.79 78.778 4.25 32.992 35.26 36.676 47.875 3.794 34.845 42.82 5.326 2 7 2 5.5 3.739 4.5 3.9 3.9 3.276 4.38 49.4 48.388 2.72 2.537 4.768 5.383.49 5.68 6.455 7.683 876.576 2.754 3.39 544 3.592 3.7 4.292 5.499 6.268 6.338 9.834 558 749 886 794 755.44 64.396 5.63 33.639 222.693 4.46 53. 45.522 5.523 2.655 35.877 6.459 4.456 3.227.23 2.64 949 78.72 668.798 4.2 326.63 238.632 2.274 49.827 46.729 5.78 2.78 37.64 6.45 3.98 2.85.65 7.9.22 775.2 66.899 3.673 323.326 234.899 3.23 5.56 46.592 6.5 2.826 37.73 5.32 5.469 3.933.537 4.44.78 78.58 666.858 6.934 325.582 234.342 3.722 49.376 48.326 6.2 2.578 4.745 5.46 5.268 3.954.34 4.572.65 789.799 667.725 6.323 33.496 23.97 22.73 56.68 49.94 6.92 2.858 43.677 4.45 6.3 4.792.32 4.339 99 797.254 673.35 5.76 335.389 232.85 23.938 56.97 49.85 7.8 2.877 43.879 3.834 6.233 5.7.6 4.529 94 82.22 698.362 7.86 342.57 239.9 2.858 56.3 49.392 6.462 2.52 42.622 3.788 6.278 5.42.36 5.826 95 846.42 76.949 2.744 346.753 248.453 29.47 58.89 53.56 7.424 2.6 44.358 3.765 6.62 5.48.23 4.662 95 857.872 78.473 9.866 346.73 25.876 39.399 63.887 57.48 8.464 2.82 47.689 3.742 6.577 5.46.7 4.78.4 869.372 733.44 22.729 35.676 259.739 36.228 57.355 57.774 2.99 2.326 47.655 3.944 7.965 6.838.28 4.682 983 89.685 753.243 22.629 36.224 269.39 38.442 59.43 57.664 2.734 2.3 46.894 3.93 8.9 6.85.239 4.586. 9.89 773.66 29.36 37.72 273.328 38.825 58.976 58.55 2.794.93 44.52 3.864 8.87 6.846.24 4.3.23 936.578 798.543 4.954 378.964 278.625 38.35 58.822 57.33 2.9.89 47.76 5.346 8.234 6.98.254 5.25.36 Source of Funds a. Third Party Funds Demand Deposits Times Deposits Savings Deposits Demand Deposits Times Deposits Savings Deposits b. Liabilities owed to BI c. InterBank d. Securities e. Loans received f. Other Liabilities g. Guarantee Deposits Beberapa Komponen Modal a. Modal Disetor b. Cadangan c. L/R tahun berjalan d. L/R tahun lalu e. Perkiraan tambahan modal disetor f. Modal pinjaman 2.435.46.57 3.59 26.223 76 22.49 24.524 25.523 27.969 2.462 3.332 4.646 5.86 9.294 9.822.735 4.89 9.96 925 4.468 4.948 27.46 28.97 28.848 26.893 55 229 5 36.73 6.47 3.75 2.65 25.235 5 36.846 6.47 4.25 2.284 25.66 224 36.82 6.23.695 35.487 25.948 25 36.976 6.23 3.48 35.485 26.32 2 37.8 6.24 5.3 35.249 26.32 37.364 6.42 6.898 34.328 27.42 37.39 6.2 8.757 34.49 27.65 38.394 7.23.463 3.84 27.365 39.69 7.77 2.222 3.978 29.242 39.695 7.68 4.43 3.33 29.287 39.696 7.68 5.948 3.286 29.674 39.696 7.77 7.76 3.376 29.893 5 39.732 7.7 9.649 3.2 3.89 2.49 Components of Capital a. PaidIn Capital b. Reserves c. Current Earnings /Loss d. Retained Earnings/Loss e. Estimates of Additional PaidIn Capital f. Loan Capital Ket: ) Lihat Penjelasan hal iii Note: ) see explanation page iii 6