INDONESIAN BANKING STATISTICS

VOL: 9 No. 5 APRIL 2011 BULANAN MONTHLY

STATISTIK PERBANKAN INDONESIA INDONESIAN BANKING STATISTICS

ISSN: 2086-2954

KA TA PENGANT AR KAT PENGANTAR

PREFACE

Statistik Perbankan Indonesia (SPI) merupakan

The Indonesian Banking Statistics (SPI) is a

media publikasi yang menyajikan data mengenai

media publication that provides data regarding the

perbankan Indonesia. Buku SPI ini diterbitkan secara

banking industry in Indonesia. This publication is

berkala (bulanan) oleh Direktorat Perizinan dan Informasi Perbankan, Bank Indonesia, untuk memberikan gambaran perkembangan perbankan di Indonesia. Mulai penerbitan Edisi Januari 2011, SPI disempurnakan dengan penambahan data baru

published monthly by Directorate of Bank Licensing and Banking Information, Bank of Indonesia, in order to represente the development of the Indonesian banking industry. Starting from January 2010 edition, SPI is

yaitu Kredit UMKM Berdasarkan Undang-Undang

enhanced with the addition of new data on micro,

No.20 Tahun 2008 tentang UMKM.

small and medium enterprises in accordance with Law

Dengan penyempurnaan SPI ini, kami berharap agar data yang disajikan lebih memberikan manfaat yang optimal bagi pembaca.

No.20 of 2008 concerning micro, small and medium enterprises. We sincerely hope that the data provided in the SPI will be of optimum benefits to our readers.

Jakarta,

Juni 2011

BANK INDONESIA Direktorat Perizinan dan Informasi Perbankan

Jakarta,

June 2011

BANK INDONESIA Directorate of Bank Licensing and Information

ii

Statistik Perbankan Indonesia, Vol. 9, No. 5, April 2011

HALAMAN KETERANGAN

PAGE OF REFERENCE

Jadwal Publikasi Kedepan Edisi Mei 2011 akan diterbitkan pada minggu ke III bulan Juni 2011.

Advance Release Calender (ARC) Mei 2011 edition will be released on the 3rd week of June 2011.

Tanda-tanda, dan Sumber Data Suatu jumlah tidak selalu sama besarnya dengan penjumlahan angka-angka yang bersangkutan kaerena pembulatan.

Notes, Symbols, and Sources of Data Totals do not necessarily agree with the sum of items shown because of roundings.

r ( ) * ** *** ... -$

r ( ) * ** *** ... -$

Angka-angka diperbaiki Sebagian dari suatu jumlah Angka-angka sementara Angka-angka sangat sementara Angka-angka sangat-sangat sementara Tidak ada Data belum tersedia Nol atau lebih kecil daripada digit terakhir Dolar Amerika Serikat

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

Tanda koma pada angka-angka harap dibaca sebagai titik, dan sebaliknya tanda titik harap dibaca sebagai koma.

Commas in the numbers please read as point and vice versa, please read the point as a comma

Sumber : Bank Indonesia, kecuali jika dinyatakan lain.

Source : Bank Indonesia, unless mentioned otherwise.

Alamat untuk berlangganan : Bagian Informasi, Administrasi dan Publikasi Perbankan (IAdmP) Bank Indonesia Menara Radius Prawiro, Lantai 11 Jl. MH Thamrin No. 2, Jakarta 10350 Telepon : (021) 3818032, 3817080 Fax : (021) 3523705

Address for Subscription : Information, Administration and Publication Banking Division (IAdmP) Bank Indonesia Menara Radius Prawiro Building, 11nd Floor Jl. MH Thamrin No. 2, Jakarta 10350 Phone : (021) 3818032, 3817080 Fax : (021) 3523705

Data dalam publikasi Bank Indonesia ini juga disediakan melalui website Bank Indonesia (http:// www/bi.go.id), selambat-lambatnya 1 minggu setelah edisi publikasi

The data in Bank Indonesia publication are also provided through Bank Indonesia website http:// www/bi.go.id), no later than 1 week ofter the edition.

Alamat penyampaian pertanyaan : [email protected] Telepon: (021) 3817080 Fax: 3523705

Address for queries : [email protected] Telephone: (021) 3817080 Fax: 3523705

Indonesian Banking Statistics, Vol. 9, No. 5, April 2011

iii

DAFT AR ISI AFTAR

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

1

DATA

1

DATA BANK UMUM

3

COMMERCIAL BANK DATA

3

DATA PERBANKAN SYARIAH

91

SHARIA BANK DATA

91

DATA BANK PERKREDITAN RAKYAT (BPR)

107

RURAL BANK DATA

107

DATA PERKREDITAN

123

CREDIT DATA

123

GRAFIK

157

GRAPHIC

157

iv


PENJELASAN

CLARIFIC ATIONS CLARIFICA

1. Data yang digunakan dalam Publikasi Statistik

1. The data used in the Indonesian Banking Statistics

Perbankan Indonesia bersumber dari Laporan

is derive from Commercial Bank Monthly Reports,

Bulanan Bank Umum (LBU), Laporan Bulanan

Sharia Bank Monthly Reports and Rural Bank

Bank Umum Syariah (LBUS), dan Laporan Bulanan

Monthly Reports.

Bank Perkreditan Rakyat (Lapbul BPR), kecuali dinyatakan lain.

2. The entire data on Commercial banks includes Sharia Commercial Banks and sharia business unit

2. Semua jenis data Bank Umum mencakup pula

from conventional commercial banks data,

data Bank Umum Syariah dan unit usaha syariah

because the bank reports are processed by the

dari bank umum konvensional, hal ini disebabkan

banking information system as a whole. For

karena pelaporan perbankan diolah sistem

statistical purposes of sharia banking, specific

perbankan sebagai satu kesatuan. Untuk

sharia data are presented separately.

keperluan statistik perbankan syariah, disajikan

3. Commercial Bank Performance Data refer to the

data khusus perbankan syariah secara terpisah.

circular letter No. 6/23/DPNP May 31, 2004

3. Data kinerja Bank Umum mengacu pada SE No.6/

regarding the rating system for commercial banks

23/DPNP tanggal 31 Mei 2004 perihal sistem

and Sharia Banks Performance data refers to the

penilaian tingkat kesehatan Bank Umum dan Data

circular letter No. 9/24/DPbS October 30, 2007

Kinerja Bank Umum Syariah mengacu pada SE

regarding the Rating System for Commercial

No.9/24/DPbS tanggal 30 Oktober 2007 perihal

Banks Based on Sharia Principles. Starting in

Sistem Penilaian Tingkat Kesehatan Bank Umum

March 2010, bank performance data are

berdasarkan prinsip syariah.

separated between conventional banks and

Mulai data Maret 2010 dilakukan pemisahan data

sharia banks

kinerja antara Bank Umum Konvensional dengan Bank Umum Syariah. 4. Data Kredit •

4. Credit Data •

Starting in January 2010 Credit Data of Commercial Banks are presented based on

Mulai bulan Januari 2010 Data Kredit Bank

the amount of acquisition Cost or amortized

Umum disajikan berdasarkan jumlah menurut

acquisition cost or fair value. Acquisition cost

Biaya Perolehan atau Biaya Perolehan

is the amount of cash or cash equivalents

Diamortisasi atau Nilai Wajar. Biaya Perolehan

paid (received) or the fair value of other

adalah jumlah kas atau setara kas yang

rewards given (acceptable) to acquire an

dibayarkan (diterima) atau nilai wajar dari

asset (issuing an obligation) at the time of

imbalan lain yang diserahkan (diterima) untuk

acquisition. Acquisition costs amortized is the

memperoleh suatu aset (menerbitkan suatu

amount of financial assets or financial

kewajiban) pada saat perolehan. Biaya

liabilities are measured at initial recognition

Perolehan Diamortisasi adalah jumlah aset

minus principal payments, plus or minus the

keuangan atau kewajiban keuangan yang

cumulative amortization using the effective

diukur pada saat pengakuan awal dikurangi

interest method is calculated from the

pembayaran pokok, ditambah atau dikurangi

difference between initial value and maturity

amortisasi kumulatif menggunakan metode

value. Decline in value is recognized by using

suku bunga efektif yang dihitung dari selisih

the postal Reserves Value Losses Decrease.


v

antara nilai awal dan nilai jatuh temponya.

Fair value is the value which an asset could

Penurunan nilai diakui dengan menggunakan

be exchanged, or a liability settled between

pos Cadangan Kerugian Penurunan Nilai.

the parties to understand and willing to

Nilai wajar adalah nilai dimana suatu aset

perform normal transactions (arm’s length

dapat dipertukarkan atau suatu kewajiban

transaction).

diselesaikan antara pihak yang memahami

Credit data constitutes the credits recorded

dan berkeinginan untuk melakukan transaksi

in the balance of a Bank and does not taken

wajar (arm’s length transaction). Selanjutnya,

into account channel of credit recorded in

untuk mengetahui nilai nominal kredit

the off-balance sheet, unless otherwise

disajikan tabel khusus yang menyajikan kredit

stated. Credits include credit claims from

berdasarkan nilai.

citizens and non-citizens (Rural Bank data

Data kredit yang ditampilkan merupakan

only includes credit claims from citizens). The

kredit yang tercatat di neraca Bank dan tidak

data related to the information above is

memperhitungkan penerusan kredit yang

presented in the performance data tables:

tercatat dalam rekening administratif (off-

earning assets; non-performing loans (NPL)

balance sheet), kecuali dinyatakan lain.

(except for NPL data regarding channelling

Cakupan kredit meliputi tagihan kredit

credit off-balance sheet); operations; and

kepada penduduk dan non penduduk (Untuk

credits (except for channelling credit data

data BPR hanya meliputi tagihan kredit

regarding off-balance sheet).

kepada penduduk). Data yang terkait dengan

Starting January 2010 edition, there is no

penjelasan tersebut di atas ditujukan untuk

detail for credit based on type of use.

data dalam tabel kinerja; aktiva produktif; NPL

The scope of the credit in this publication is

(kecuali data NPL penerusan kredit off-

different from the coverage of credit in the

balance sheet); kegiatan usaha; dan kredit

publication SEKI.

(kecuali data penerusan kredit off-balance

•

vi

•

January - Desember 2010 Data on Micro,

sheet).

Small, Medium Scale Business credit is

Mulai Edisi Januari 2010 kredit berdasarkan

presented according to the nominal value of

jenis penggunaan tidak disajikan rinciannya.

listed securities or the contractual agreement,

Cakupan kredit dalam publikasi ini berbeda

starting January 2011 MKM are presented on

dengan cakupan kredit pada publikasi SEKI.

fair value. Data on Micro, Small, Medium

Januari s.d Desember 2010 data kredit MKM

Scale Business credit in this book mean: micro

sementara disajikan menurut nilai nominal

credit is credit with ceiling Rp 0 up to Rp 50

yaitu nilai yang tercantum dalam surat

million, Small credit is credit with ceiling Rp

berharga atau kontrak yang diperjanjikan,

50 million up to Rp 500 million, and Medium

untuk data Januari 2011 dan seterusnya data

credit is credit is with ceiling Rp 500 million

MKM disajikan menurut nilai wajar. Cakupan

up to Rp 5 billion. Credit Data on Micro,

kredit MKM adalah: kredit mikro yakni kredit

Small, Medium Scale Business credit does not

dengan plafon 0 sampai dengan maksimum

include data regarding credit cards or credits

Rp50 juta, kredit kecil yakni kredit dengan

disbursed by Rural Banks. The data related

plafon lebih dari Rp50 juta sampai dengan

to the infomartion above is presented in the

maksimum Rp500 juta, dan kredit menengah

performance data tables Micro Small,


PENJELASAN

CLARIFIC ATIONS CLARIFICA

yakni kredit dengan plafon lebih dari Rp500

Medium Credit based on group of bank, Micro

juta sampai dengan maksimum Rp5 miliar.

Small, Medium Credit based on type of use,

Data kredit MKM tidak mencakup data kartu

Micro Small, Medium Credit based on project

kredit dan kredit yang disalurkan oleh BPR.

location, Micro Small, Medium Credit based

Data yang terkait dengan penjelasan tersebut

on economic sector.

di atas ditujukan untuk data dalam tabel

•

•

Starting in January 2011, SMEs credit data

kredit MKM menurut kelompok bank, kredit

are presented as stipulated in Law no. 20 of

MKM menurut jenis penggunaan, kredit MKM

2008 concerning UMKM.

berdasarkan lokasi proyek per provinsi, dan

That referred to with productive enterprises

kredit MKM berdasarkan sektor ekonomi.

Micro is a privately-owned and / or individual

Mulai Edisi Januari 2011 disajikan data

business entity that has a net worth exceeding

UMKM sesuai yang diatur dalam UU No. 20

IDR 50 million (excluding land and building)

Tahun 2008 tentang UMKM.

or have annual sales revenue exceeding IDR

Yang dimaksud dengan Usaha Mikro adalah

300 million.

usaha produktif milik perorangan dan/atau

Small businesses are productive economic

badan usaha perorangan yang memiliki

activities that stand alone, which made

kekayaan bersih paling banyak Rp 50 juta

individual or business entity (not including

(tidak termasuk tanah dan bangunan tempat

subsidiaries) which has a net worth IDR 50

usaha) atau memiliki hasil penjualan tahunan

million up to IDR 500 million (excluding land

paling banyak Rp 300 juta.

and building business) or have annual sales

Usaha kecil adalah usaha ekonomi produktif

of more than IDR 300 million up to IDR 2.5

yang berdiri sendiri, yang dilakukan

billion.

perorangan atau badan usaha (tidak termasuk

Medium Enterprises is a productive economic

anak perusahaan) yang memiliki kekayaan

activities that stand alone by any individual

bersih Rp 50 juta s.d Rp 500 juta (tidak

or legal person (not a subsidiary) which has a

termasuk tanah dan bangunan usaha) atau

net worth of more than IDR 500 million up to

memiliki hasil penjualan tahunan lebih dari

IDR 10 billion (excluding land and building

Rp 300 juta s.d Rp 2,5 miliar.

business) or have annual sales of more than

Usaha Menengah adalah usaha ekonomi

IDR 2 , 5 billion up to IDR 50 billion In January

produktif yang berdiri sendiri yang dilakukan

2012, the MKM credit data will be replaced

perseorangan atau badan usaha (bukan anak

by SMEs credit data

perusahaan) yang memiliki kekayaan bersih

•

Bank Relationship on the table Commercial

lebih dari Rp 500 juta s.d Rp 10 miliar (tidak

Bank Credit based on Bank relationship mean

termasuk tanah dan bangunan usaha) atau

status related bank and the party which

memiliki hasil penjualan tahunan lebih dari

transaction with bank.

Rp 2,5 Miliar s.d Rp 50 miliar.

-

Related party is any individual or company/

Data Kredit UMKM dimaksud mulai Januari

entity exercising control over the bank,

2012 akan menggantikan Data Kredit MKM

whether directly or indirectly, through

yang selama ini disajikan.

ownership, management, and/or financial relation.


vii

PENJELASAN •

CLARIFIC ATIONS CLARIFICA -

Yang dimaksud dengan Hubungan Dengan

related party as mention above.

Bank pada tabel Kredit Bank Umum Berdasarkan Hubungan dengan Bank adalah status keterikatan antara bank dengan pihak yang melakukan transaksi dengan bank. -

-

•

Not related party is other party excluding

•

Credit withdrawn by credit card

5. Non-Performing Loan Data Non-performing loan data is show as the gross

Pihak terkait adalah perseorangan atau

non-performing loan, that is, without taking into

perusahaan/badan yang mempunyai

account the reserve formed in anticipation of the

hubungan dengan pengendalian bank,

risk of losses.

baik secara langsung maupun tidak

Non-performing loan data is show in nominal and

langsung, melalui hubungan dengan

percentage figures.

kepemilikan, kepengurusan dan atau

Data related to the information above is shown

keuangan.

as figures in the earning assets table; and NPL.

Pihak tidak terkait adalah pihak-pihak

6. Data regarding money instruments in the funds

yang tidak termasuk pada pihak terkait

disbursement account.

dengan bank sebagaimana tersebut di

Data regarding money instruments includes

atas.

money instruments that are issued by a non-bank

Yang dimaksud dengan Kredit yang

third party. The data does not calculate bonds

penarikannya menggunakan kartu adalah

from a recapitalization program issued by the

pemberian fasilitas kredit yang penarikannya

Government.

dilakukan dengan kartu kredit.

The data mentioned above is displayed in the

5. Data Non Performing Loan Data Non Performing Loan yang ditampilkan merupakan Non Performing Loan Gross, yakni tanpa memperhitungkan penyisihan yang dibentuk

business operations table. 7. The Data of interest rates based on the weightedaverage of interest rates. 8. Estimates of Additional Paid-In Capital

untuk mengantisipasi risiko kerugian.

The estimates are derived from the agio account;

Data Non Performing ditampilkan dalam nominal

capital contributions; and adjustments resulting

dan persentase.

from the conversion of overseas branch office

Data yang terkait dengan penjelasan tersebut di

financial reports.

atas ditujukan untuk data dalam tabel aktiva produktif; dan NPL. 6. Data Surat Berharga dalam pos penyaluran dana

9. The data of time deposit can not be displayed temporary. 10. Estimates of Reserves

Data surat berharga yang ditampilkan merupakan

The estimates are derived from the general

surat berharga yang diterbitkan oleh pihak ketiga

reserve, designated reserves and retained

bukan bank. Data yang ditampilkan tidak

earnings accounts.

memperhitungkan obligasi dalam rangka program rekapitalisasi yang diterbitkan oleh Pemerintah.

11. Data downloading process •

Data from the Commercial Bank Monthly

Data yang terkait dengan penjelasan tersebut

Reports and the sharia Bank Monthly Reports

ditujukan untuk data dalam tabel kegiatan usaha.

is submitted by the reporting banks to Bank

7. Data suku bunga menggunakan suku bunga rata-

Indonesia, and is processed using the Bank

rata tertimbang

viii


Indonesia Banking Sector Management

8. Perkiraan Tambahan Modal Disetor

Information System. The time taken to

Terdiri dari pos agio; (disagio); modal sumbangan;

download data from Banking Information

dan penyesuaian akibat penjabaran laporan

System can result in variations of the data

keuangan kantor cabang di luar negeri.

that is published in this book, compared to

9. Data Deposito berdasarkan jangka waktu untuk sementara tidak dapat disajikan. 10. Perkiraan Cadangan

other published data. Therefore, readers are recommended to taken into account the downloading time.

Terdiri dari pos Cadangan umum; Cadangan

The processing of the April 2011 monthly

tujuan; dan Laba yang ditahan.

reports for the April 2011 edition of the

11. Proses Download Data •

Data Laporan Bulanan Bank Umum (LBU) dan

Indonesian Banking Statistics was done on 25 May 2011.

Laporan Bulanan Bank Umum Syariah (LBUS)

12. The Indonesian Bank Statistics Book is also

yang disampaikan dari bank pelapor kepada

published via the Bank Indonesia website

Bank Indonesia, diolah melalui Sistem

(www.bi.go.id).

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 April 2011 untuk Publikasi Statistik Perbankan Indonesia Edisi April 2011 dilakukan pada tanggal 25 Mei 2011. 12. Publikasi Statistik Perbankan Indonesia juga dilakukan melalui website Bank Indonesia (www.bi.go.id).


ix

DAFT AR SINGKA TAN AFTAR SINGKAT

LIST OF AB B REVIA TIONS ABB REVIATIONS

APYD

: Aktiva Produktif Yang Diklasifikasikan

APYD

: Classified Earning assets

ATMR

: Aktiva Tertimbang Menurut Risiko

ATMR

: Risk Weighted Assets

BOPO

: Biaya Operasional terhadap

BOPO

: Operations Expenses to Operations

Pendapatan Operasional

Income

BPD

: Bank Pembangunan Daerah

BPD

: Regional Development Bank

CAR

: Capital Adequacy Ratio

CAR

: Capital Adequacy Ratio

DPK

: Dana Pihak Ketiga

DPK

: Third Party Funds

KAP

: Kualitas Aktiva Produktif

KAP

: Earning assets Qualtiy

KBAB

: Kewajiban Bersih Antar Bank

KBAB

: Inter-Bank Net Liabilities

KP

: Kantor Pusat

KP

: Head Office

KC

: Kantor Cabang

KC

: Branch Office

KCP

: Kantor Cabang Pembantu

KCP

: Sub-Branch Office

KK

: Kantor Kas

KK

: Cash Office

KPW

: Kantor Perwakilan

KPW

: Representative Office

LBU

: Laporan Bulanan Bank Umum

LBU

: Commercial Bank Monthly Report

LDR

: Loan to Deposit Ratio

LDR

: Loan to Deposit Ratio

NIM

: Net Interest Margin

NIM

: Net Interest Margin

NPL

: Non Performing Loan

NPL

: Non-Performing Loan

PPAPYD : Penyisihan Penghapusan Aktiva Produktif yang Dibentuk

PPAPYD : Productive Asset Write-off Reserve PPAPWD : Mandatory Productive Asset Write-off

PPAPWD : Penyisihan Penghapusan Aktiva Produktif yang Wajib Dibentuk

Reserve ROA

: Return on Assets

ROA

: Return on Assets

SIP

: Banking Information System

SIP

: Sistem Informasi Perbankan

UKM

: Small/Medium-Scale-Enterprise Industry

UKM

: Usaha Kecil Menengah

UMKM

: Small/Medium/Micro-Enterprise Industry

UMKM

: Usaha Mikro Kecil Menengah

NOM

: Net Operating Margin

FDR

: Financing to Deposit Ratio

x


(SMEs) NOM

: Net Operating Margin

FDR

: Financing to Deposit Ratio

GLOSARI UM GLOSARIUM

GLOSSARY

Aktiva Produktif : Penanaman dana Bank baik

APYD

Earning assets

dalam Rupiah maupun valas

foreign currency by a Bank to the

dalam bentuk kredit, surat

form of credits, money instruments,

berharga, penempatan dana

inter-bank placements, equity

antar bank, penyertaan, termasuk

participation, including commitments

komitmen dan kontinjensi pada

and contingencies of the off-balance

transaksi rekening administratif.

sheet account.

: Aktiva produktif baik yang sudah maupun

yang

mengandung

potensi

tidak

memberikan

Classified

have the potential to not pro-

Assets

vide a profit or could even incur a

Call Money BI

Assets

: Terdiri dari :

1. Assets in the balance sheet that are ranked according to

bobot sesuai kadar risiko kredit

the level of risk of the credit

yang melekat

in question.

2. beberapa pos dalam off-

2. Several accounts in the off-

balance sheet yang diberikan

balance sheet that are ranked

bobot sesuai dengan kadar

according to the level of risk of

risiko kredit yang melekat

the credit in question.

: Penempatan dana pada Bank

BI Call Money : Fund placements at Bank Indonesia

Indonesia dalam bentuk call

in the form of call money,

money yang merupakan intervensi

representing a rupiah intervention

rupiah oleh Bank Indonesia dalam

by Bank Indonesia as part of open

rangka operasi pasar terbuka

market operations (OPT). Third Party

: Simpanan pihak ketiga bukan

Funds

: Non-bank third party deposits consisting of demand deposit,

bank yang terdiri dari Giro,

savings deposit and time

Tabungan

deposit.

dan

Simpanan

berjangka Kredit

: Consists of:

1. aktiva neraca yang diberikan

(OPT) DPK

loss. Risk Weighted

kerugian

: Earning assets that do not, or

Productive

penghasilan atau menimbulkan

ATMR

: The investment of either Rupiah or

Credit

: The provision of funds or related

: Penyediaan uang atau tagihan

claims based on an agreement or

yang dapat dipersamakan dengan

contract to borrow/loan funds

itu, berdasarkan persetujuan atau

between banks and another party

kesepakatan pinjam-meminjam

that obliges the borrower to pay


xi

DAFT AR ISTILAH AFTAR

LIST OF TERMS

antara Bank dengan pihak lain

off his/her debt according to a

yang mewajibkan pihak peminjam

designated schedule and interest

untuk melunasi utangnya setelah

charges, including:

jangka waktu tertentu dengan

1. The purchase of Money

pemberian bunga, termasuk :

Instruments

1. Pembelian Surat Berharga

complete with a Note Purchase

nasabah yang dengan

Note

dilengkapi

by

clients,

Agreement (NPA).

Purchase

2. The transfer of claims involved

Agreement (NPA)

in factoring activities.

2. Pengambilalihan tagihan dalam rangka kegiatan anjak piutang

Channelling Credit

: Credit in rupiah or foreign

Penerusan Kredit : Kredit dalam rupiah maupun valas

currency that is from another party

yang disalurkan oleh bank yang

that is disbursed by a bank,

dananya berasal dari pihak lain,

wherein the bank does not bear

dan atas penyaluran kredit

any

tersebut bank tidak menanggung

disbursement. Channelling credits

risiko. Penerusan kredit ini

are recorded in the off-balance

dibukukan

sheet.

pada

rekening

administratif (off-balance sheet)

xii


risk

for

the

credit

DAFT AR RASIO AFTAR

CAR

Perhitungan rasio Car mulai edisi Maret 2010 telah disesuaikan dengan ketentuan PBI No. 10/15/PBI/2008 tanggal 24 September 2008 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 1); b. Modal Pelengkap (tier 2); dan c. Modal pelengkap tambahan (tier 3). Setelah memperhitungkan faktor-faktor tertentu yang menjadi pengurang modal sebagaimana dimaksud dalam pasal 13 dan pasal 20 pada PBI No. 10/15/PBI/2008. 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 faktor-faktor sebagaimana dimaksud dalam pasal 10 ayat (2) pada PBI No. 10/15/PBI/2008; c. Laba tahun berjalan sebesar 50% setelah dikeluarkan pengaruh faktorfaktor sebagaimana dimaksud dalam pasal 10 ayat (2) PBI No. 10/15/PBI/ 2008; d. Cadangan umum modal; e. Cadangan tujuan modal; f. Revaluasi aset tetap dengan cakupan dan perhitungan sebagaimana dimaksud dalam pasal 16 ayat (1) huruf c PBI No. 10/15/PBI/2008 g. Cadangan umum penyisihan penghapusan aset (PPA) atas aset produktif dengan perhitungan sebagaimana dimaksud dalam pasal 16 ayat (1) huruf d PBI No. 10/15/PBI/2008.

LIST OF RA TIOS RATIOS

CAR

Starting in March 2010 CAR has been adjusted to the provisions of Regulation No. 10/15/PBI/2008 September 24, 2008 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 1); 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 13 and Article 20 of Regulation No. 10/ 15/PBI/2008. 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 10 paragraph (2) at No. PBI. 10/15/PBI/ 2008; c. Profit for the year amounted to 50% after removed the influence of the factors referred to in Article 10 paragraph (2) Regulation No. 10/15/PBI/ 2008; d. General reserves; e. Designated reserves; f. Revaluation of fixed assets in the scope and calculation referred to in Article 16 paragraph (1) letter c PBI No. 10/15/PBI/ 2008 g. General reserve asset allowance (PPA) of productive assets in the calculation referred to in paragraph Article 16 paragraph (1) letter d PBI No. 10/15/ PBI/2008. After taking into account certain factors that a reduction of capital components as


xiii

DAFT AR RASIO AFTAR

Setelah memperhitungkan faktor-faktor tertentu yang menjadi pengurang komponen modal sebagaimana diatur dalam pasal 10 ayat (1) huruf b, pasal 13, dan pasal 20 pada PBI No. 10/15/PBI/2008 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. 10/15/PBI/2008. 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 / Total Aktiva Produktif (sesuai SE No.6/23/DPNP anggal 31 Mei 2004) Rasio ROA = Laba Sebelum Pajak disetahunkan / Rata-rata total aset (sesuai SE No.6/23/DPNP tanggal 31 Mei 2004) Rasio BOPO = Total beban operasional / Total pendapatan operasional Rasio dihitung per posisi (tidak disetahunkan) (sesuai SE No.6/23/DPNP anggal 31 Mei 2004) Rasio Aktiva -Pasiva = Aktiva Likuid < 1 bulan / Pasiva Likuid < 1 bulan Aktiva Likuid < 1 bulan, terdiri dari: 1. Kas 2. Giro BI

xiv



provided for in Article 10 paragraph (1) letter b, Article 13 and Article 20 of Regulation No. 10/15/PBI/2008

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. 10/15/PBI/2008. 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 / Total Earning Assets (pursuant to Circular Letter No. 6/23/ DPNP dated May 31, 2004) Return on Assets Ratio = Annual Profit before taxes / Average Assets (pursuant to Circular Letter No. 6/23/ DPNP dated May 31, 2004) Operations Expenses / Operations Income = Operations expenses / Operations Income for the same period. (pursuant to Circular Letter No. 6/23/ DPNP dated May 31, 2004) Liquid Asset to liquid Liabilities Ratio = Liquid Asset < 1 month / Liquid Liabilities < 1 month

DAFT AR RASIO AFTAR


3. SBI 4. Antar Bank Aktiva (giro, deposit on call, call money) Pasiva Likuid < 1 bulan, terdiri dari: 1. 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 31 Mei 2004) 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 31 Mei 2004) LDR

= Total Kredit / (Penghimpunan Dana + Modal Inti) Total Kredit, merupakan kredit yang diberikan kepada masyarakat dan bank lain Penghimpunan Dana, terdiri dari : 1. 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.30/12/KEP/DIR tanggal 30 April 1997 - untuk BPR)

Liquid Asset < 1 month, consist of: 1. Cash 2. Demand deposit on BI 3. Certificate of Bank Indonesia 4. Inter Bank Asset (demand deposit, deposit on call, call money) Liquid Liabilities < 1 month, consist of: 1. 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 31, 2004) 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 31, 2004) Loan

= Total Credit / (Collection of fund + tier one capital) Total Credit is total credit to third party and other bank Collection of fund, consist of : 1. 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. 30/12/KEP/DIR dated April 30,1997 - on BPR)


xv

Rasio NPL = (Kredit dalam kualitas Kurang lancar, Diragukan dan Macet) / Total Kredit Rasio NIM = Pendapatan Bunga Bersih / Rata-Rata Aktiva Produktif Pendapatan Bunga Bersih = Pendapatan Bunga – Beban Bunga perhitungan pendapatan bunga bersih disetahunkan. (sesuai SE No.6/23/DPNP tanggal 31 Mei 2004)

Non-Performing Loan Ratio = Credits that are sub-standard, doubtful and loss) / Total 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 31, 2004)

Rasio NOM = (PO - DBH) - BO/Rata-rata AP (sesuai SE No.9/24/DPbS tanggal 30 Oktober 2007)

xvi


Net Operating Margin (NOM) = (operating income - DBH) - operational expenses/Average Earning Assets (pursuant to cirtular lettet No.9/24/ DPbS dated October 30, 2007)

DAFT AR TABEL AFTAR LIST OF TABLES Judul Topic

No.

No. Tabel Tables

Halaman Pages

DATA 1.

Kegiatan Usaha Perbankan

2

Bank Industries Operation DATA BANK UMUM 2.

COMMERCIAL BANK DATA Kegiatan Usaha Bank Umum

1.1 s.d 1.7

4

1.8 s.d 1.14

11

1.15 s.d 1.21

18

1.22 s.d 1.29

25

1.30

33

Commercial Banks Operation 3.

Laporan Laba/Rugi Bank Umum Commercial Banks Income Statement

4.

Rekening Administratif Bank Umum Commercial Banks Off balance-sheet

5.

Kinerja Bank Umum Commercial Banks Performance

6.

Jumlah Bank Umum Berdasarkan TIngkat Rasio Commercial Bank Based on Ratios

7.

Aset Bank Umum

1.31 s.d 1.33

Commercial Banks Assets a. Perkembangan Aset Bank Umum

1.31

34

1.32

35

1.33

36

1.34 s.d 1.40

37

1.41

44

1.42 s.d 1.49

45

1.50 s.d 1.57

53

1.58

61

Commercial Banks Asset Growth b. Bank Umum Berdasarkan Total Aset Commercial Banks based on Assets c. Peringkat Bank Umum Berdasarkan Total Aset Commercial Banks Rating based on Total Assets 8.

Aktiva Produktif Bank Umum Commercial Banks Earning Assets

9.

Non Performing Loan (NPL) Bank Umum Commercial Banks Non performing loan a. Pengelompokan Bank Berdasarkan Rasio NPL Group of Banks based on NPL Ratio b. NPL Berdasarkan Sektor Ekonomi NPL Based on Economic Sector c. NPL Berdasarkan Jenis Penggunaan NPL based on type of use d. NPL Berdasarkan Lokasi Bank Penyalur NPL based on Location of Bank


xvii

DAFT AR TABEL / LIST OF TABLES AFTAR

Judul Topic

No.

e. NPL Kredit yang penarikannya menggunakan kartu

No. Tabel Tables

Halaman Pages

1.59

62

1.60 s.d 1.63

63

1.64

67

1.65 s.d 1.71

68

1.72

75

1.73 s.d 1.74

76

1.75 s.d 1.81

78

1.82

85

1.83 s.d 1.84

86

1.85

88

1.86

89

2.1 s.d 2.3

92

2.4

95

2.5

96

Non performing loan withdrawn by credit card f. NPL UMKM Non Performing loan of SMEs credit g. NPL Penerusan Kredit (off-balance sheet) NPL channelling credit (off-balance sheet) 10. Dana Pihak Ketiga (DPK) Bank Umum Commercial Banks Third Party Funds a. Komposisi DPK Composition of Third Party Funds b. Peringkat Bank Berdasarkan DPK Bank Rating Based on Third Party Funds c. DPK Berdasarkan Lokasi Penghimpunan Third Party Funds based on location of deposit 11. Suku Bunga Rata-rata Dana Pihak Ketiga (DPK) Average of interest rate of Third party fund 12. Peringkat Bank Berdasarkan Kredit Rating of Bank based on credits 13. Suku Bunga Rata-rata Kredit Average of Crerdit Interest Rates 14. Perkembangan Jumlah Bank dan Kantor Bank Growth of total banks and bank offices a. Perkembangan Jumlah Bank dan Kantor Bank Umum Growth of total banks and commercial bank offices b. Perkembangan Jumlah Kantor Cabang Bank Berdasarkan Wilayah Growth of total Branch offices based on Region DATA BANK SYARIAH SHARIA BANK DATA 15. Kegiatan Usaha Bank Umum Syariah Sharia Commercial Bank Operation 16. Perkembangan Aset Perbankan Syariah Growth of Sharia Bank Assets 17. Aktiva Produktif Perbankan Syariah Earning Assets of Sharia Banks

xviii


Judul Topic

No.

No. Tabel Tables

18. Komposisi DPK Perbankan Syariah

Halaman Pages

2.6

97

2.7

98

2.8 s.d 2.9

99

2.10 s.d 2.11

101

2.12

103

2.13

104

2.14

105

3.1

108

3.2

109

3.3 s.d 3.4

110

3.5 s.d 3.6

112

3.7

114

3.8

115

3.9

116

Composition of Third Party Funds of Syariah Banks 19. Tingkat Bagi Hasil Rata-rata DPK Bank Syariah Average of Profit Sharing Rates of Third Party Fund of Sharia Banks 20. TIngkat Margin Rata-rata Pembiayaan Average of Margin Rates of Financing 21. BPR Syariah Syariah Rural Bank 22. Jaringan Kantor Perbankan Syariah Sharia Bank Office Network 23. Kinerja Bank Umum Syariah Islamic Commercial Bank Performance 24. Bank Umum Syariah Berdasarkan Tingkat Rasio Sharia Commercial Based on Ratios DATA BANK PERKREDITAN RAKYAT RURAL BANK DATA 25. Kegiatan Usaha Bank Perkreditan Rakyat Rural Bank Operations 26. Kinerja Bank Perkreditan Rakyat Rural Bank Performance 27. Perkembangan Aset BPR Growth of Assets based Rural Bank Data 28. Non Performing Loan Bank Perkreditan Rakyat Non Performing Loan of Rural Bank 29. Dana Pihak Ketiga Third Party Funds of Rural Bank a. Komposisi DPK Bank Perkreditan Rakyat Composition of Third Party Funds of Rural Bank b. Komposisi DPK Berdasarkan Lokasi Composition of Third Party Funds based on Location c. DPK BPR Berdasarkan Lokasi Penghimpun Third Party Funds of Rural Banks Based on Location


xix

Judul Topic

No.

30. Suku Bunga Rata-rata DPK BPR

No. Tabel Tables

Halaman Pages

3.10

117

3.11 s.d 3.12

118

3.13

120

3.14

121

4.1 s.d 4.8

124

4.9 s.d 4.16

132

4.17

140

4.18

141

4.19

142

4.20 s.d 4.21

143

4.22

145

4.23 s.d 4.25

146

4.26 s.d 4.28

149

4.29 s.d 4.33

152

Average of Third Party Interest Rates of Rural Banks 31. Suku Bunga Rata-rata Kredit BPR Average of Credit Interest Rates of Rural Banks 32. Perkembangan Jumlah Bank dan Kantor Bank Growth of Total Rural Banks and Bank Offices a. Perkembangan Jumlah BPR Growth of Total Rural Bank b. Perkembangan Jumlah BPR Berdasarkan Lokasi Growth of Total Rural Bank Offices based on Region DATA PERKREDITAN CREDIT DATA 33. Kredit Bank Umum Berdasarkan Sektor Ekonomi Commercial Bank Credit based on Economic Sector 34. Kredit Bank Umum Berdasarkan Jenis Penggunaan Commercial Bank Credit based on Type of Use 35. Kredit Bank Umum Berdasarkan Lokasi Bank Penyaluran Commercial Bank Credit based on Location of Bank 36. Kredit Bank Umum Berdasarkan Hubungan dengan Bank Credit of Commercial Banks based on Bank Relationship 37. Kredit yang Penarikannya Menggunakan Kartu Credit Withdrawn by Credit Card 38. Penerusan Kredit Bank Umum Commercial Bank Channelling Credit 39. Kredit Berdasarkan Nilai Credit Based on Value 40. Pembiayaan Perbankan Syariah Detailed financing of sharia banks 41. Kredit Bank Perkreditan Rakyat Rural Bank Credit 42. Kredit UMKM Micro, Small, and Medium Enterprises Credit

xx


Halaman ini sengaja dikosongkan


xxi

DATA

Statistik Perbankan Indonesia - Vol. 9, No. 5, April 2011

Indonesian Banking Statistics - Vol. 9, No. 5, April 2011

Tabel 1 Kegiatan Usaha Perbankan (Bank Industries Operation) Miliar Rp (Billion Rp) 2009 Indikator

SBI dan SBIS 1

2011 Indicator

Apr Penyaluran Dana Bank Umum Bank Perkreditan

2010

2005 2006 2007 2008 2009

1.140.278 1.380.373 2.015.221 2.015.221 18.096 21.904 26.549 31.313 54.256

179.045

166.518

166.518

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

2.282.179 2.337.705 2.358.101 2.441.199 2.449.093 2.459.283 2.507.923 2.567.464 2.621.601 2.765.912 2.740.550 2.756.059 2.834.568 2.834.915 36.076 38.057 38.559 39.143 39.742 39.950 41.050 42.072 42.818 43.877 44.358 44.822 45.683 46.059 212.116

255.436

253.599

224.264

190.540

208.727

176.265

147.313

142.583

139.316

143.518

121.302

139.756

133.574

Distribution of Funds Commercial Banks Rural Banks SBI dan SBIS 1

Sumber Dana 1.283.480 1.468.369 1.990.345 1.990.345 Bank Umum 15.453 18.733 22.629 26.345 Bank Perkreditan Rakyat

2.180.934 2.179.279 2.213.035 2.289.111 2.285.753 2.293.540 2.346.182 2.374.744 2.425.678 2.563.562 2.527.124 2.515.919 2.576.974 2.563.204 30.367 32.346 32.731 33.130 33.588 33.727 34.676 35.439 36.038 37.034 37.528 37.968 38.746 39.179

Source of Funds Commercial Banks Rural Banks

Jumlah Aset 1.469.827 1.693.850 1.986.501 2.310.557 Bank Umum 20.393 23.045 27.741 32.533 Bank Perkreditan Rakyat

2.534.106 2.576.235 2.603.352 2.678.265 2.683.461 2.700.183 2.758.066 2.796.418 2.856.274 3.008.853 2.990.729 2.993.135 3.065.827 3.069.093 37.554 39.489 40.105 40.725 41.409 41.714 42.832 44.165 44.726 45.742 46.291 46.819 47.627 48.001

Total Assets Commercial Banks Rural Banks

Jumlah Bank Bank Umum Bank Perkreditan

131 2.009

130 1.880

130 1.817

124 1.772

121 1.733

122 1.712

123 1.713

123 1.715

122 1.716

122 1.717

122 1.715

122 1.707

122 1.706

122 1.706

121 1.700

121 1.671

121 1.679

121 1.680

Total Banks Commercial Banks Rural Banks

Jumlah Kantor Bank Umum Bank Perkreditan

8.236 3.110

9.110 3.173

9.680 3.250

10.868 3.367

12.837 3.644

12.944 3.750

12.958 3.789

12.972 3.820

13.246 3.848

13.318 3.857

13.379 3.816

13.456 3.833

13.633 3.880

13.837 3.910

13.970 3.922

13.993 3.928

14.069 3.970

14.140 3.996

Total Bank Offices Commercial Banks Rural Banks

Ket : 1 Sertifikat Bank Indonesia Syariah

2

Note :

1

Bank Indonesia Certificates on Sharia Principles (SBIS)

DATA BANK UMUM



Tabel 1.1 Kegiatan Usaha Bank Umum (Commercial Banks Operation) Miliar Rp (Billion Rp) 2010

2009 Indikator

Indicator

2005 2006 2007 2008 2009 Apr

Penyaluran Dana a. Kredit Rupiah Valas 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 Rupiah Giro Deposito Tabungan Valas Giro Deposito Tabungan b. Kewajiban kpd BI c. Antar Bank d. Surat Berharga e. Pinjaman yang Diterima Rupiah Valas 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:

4

1)

Lihat Penjelasan hal iii

2011

695.648 565.846 129.802 159.120 11.139 90.425 17.792 39.764 209.578 102.266 54.256 39.743 13.312 44.224 6.122 25.586

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

792.297 1.002.012 1.307.688 1.437.930 1.486.329 1.531.556 1.586.492 1.597.980 1.640.430 1.659.145 1.675.633 1.706.403 1.765.845 1.746.005 638.500 791.605 1.054.289 1.228.656 1.282.638 1.315.558 1.360.502 1.371.209 1.403.466 1.419.454 1.430.904 1.446.675 1.492.407 1.469.235 226.771 236.964 239.690 244.729 259.728 273.438 276.770 153.798 210.407 253.399 209.273 203.691 215.998 225.990 258.274 265.798 256.231 244.701 231.776 228.549 222.066 156.906 139.777 213.779 261.474 262.695 246.635 252.919 49.353 51.990 50.163 45.298 49.309 48.070 43.375 39.910 41.764 37.063 68.086 9.051 11.562 40.318 123.302 128.711 114.633 106.076 96.943 94.116 91.982 83.314 58.717 81.435 110.883 126.804 106.302 112.206 27.136 26.494 24.452 24.680 24.387 30.573 29.953 28.509 27.036 25.557 20.746 20.086 12.435 20.436 59.403 61.849 66.098 64.993 63.392 62.956 65.298 66.414 65.633 67.465 61.758 44.455 57.064 71.589 414.492 373.982 409.141 466.391 479.416 581.901 585.192 343.455 418.269 322.333 397.897 413.164 398.368 424.208 97.733 102.947 104.754 99.224 100.705 100.995 158.453 164.833 171.786 125.791 167.566 83.927 101.364 114.524 190.540 208.727 176.265 147.313 142.583 139.316 143.518 179.045 203.863 166.518 212.116 255.436 253.599 224.264 35.685 37.091 78.623 100.850 54.258 111.322 192.473 149.536 195.431 223.912 60.758 21.216 35.727 49.799 7.518 9.945 18.375 18.348 11.773 20.848 25.609 28.845 82.321 45.976 23.659 17.403 11.114 22.090 122.364 127.029 131.131 128.784 148.246 133.454 131.898 55.988 108.007 113.851 134.960 119.541 128.186 124.581 5.924 25.803

5.620 28.835

6.626 50.944

10.010 39.908

10.405 45.571

10.604 42.752

11.427 41.571

10.535 45.448

10.871 41.173

11.102 41.174

11.315 40.640

11.281 44.479

12.356 43.807

12.617 42.772

1.127.937 1.287.102 1.510.834 1.753.292 1.973.042 1.980.450 2.013.216 2.096.036 2.082.595 2.092.779 2.144.064 2.173.884 2.212.215 2.338.824 2.302.056 930.160 1.093.445 1.284.797 1.460.443 1.656.625 1.662.536 1.700.476 1.764.407 1.743.268 1.749.539 1.794.305 1.828.594 1.867.085 1.990.518 1.963.921 354.243 347.920 352.122 352.891 366.443 383.808 382.659 193.854 249.564 309.335 307.743 332.729 324.624 337.719 369.940 817.896 820.089 841.815 869.703 880.661 928.089 918.986 455.038 510.008 540.982 675.983 758.280 802.754 818.060 829.798 571.130 581.529 600.368 606.001 619.981 678.621 662.277 281.268 333.873 434.480 476.717 565.616 535.158 544.696 564.669 339.326 343.240 349.759 345.290 345.129 348.306 338.135 197.777 193.657 226.037 292.849 316.417 317.915 312.741 331.629 152.639 148.448 152.108 144.884 145.493 152.047 147.947 87.558 88.447 96.216 122.257 133.159 137.474 135.961 152.222 138.289 143.087 144.429 146.679 145.345 141.723 136.619 109.995 105.155 125.726 148.722 143.429 135.083 132.643 133.272 45.357 44.137 46.136 48.398 51.706 53.223 53.727 54.291 54.536 53.569 39.829 224 55 4.095 21.870 7.381 6.949 6.991 6.517 6.642 6.336 6.140 6.222 6.107 6.156 8.028 11.874 10.807 9.105 11.272 140.853 138.110 135.790 133.629 147.221 152.746 148.158 99.417 119.454 137.790 158.648 134.543 139.042 135.337 130.030 12.474 13.513 15.127 14.270 14.469 14.227 14.170 15.622 17.158 19.597 14.918 13.411 14.942 17.333 14.301 22.000 24.583 23.780 23.510 24.226 28.668 29.966 25.694 29.323 30.048 21.553 11.406 12.883 14.319 12.949 14.579 14.512 15.246 15.514 16.908 14.529 16.700 16.835 18.304 18.259 13.131 8.508 7.023 8.023 8.395 7.421 10.071 8.534 7.997 7.317 14.139 13.266 8.859 11.019 11.789 8.422 2.898 5.860 6.296 4.554 13.641 15.072 12.726 14.119 13.380 13.068 12.929 14.205 14.646 16.905 22.874 16.192 19.913 24.893 34.663 4.291 4.365 4.421 3.888 3.935 4.029 4.026 4.500 4.757 4.204 5.977 3.242 3.267 4.691 5.220

Feb

Mar

1.773.889 1.814.846 1.497.508 1.530.507 276.381 284.339 227.863 216.019 40.492 34.587 95.961 87.130 25.095 27.253 66.315 67.049 558.183 596.704 179.444 194.431 121.302 139.756 207.356 201.847 50.082 60.669 138.250 146.910 12.778 45.095

12.874 47.216

2.287.844 2.351.357 1.933.691 1.988.765 367.528 377.265 908.254 944.962 657.909 666.538 354.153 362.592 162.245 163.527 136.603 142.872 55.305 56.193 6.286 6.161 149.203 150.606 21.160 21.109 27.261 29.543 18.226 19.572 9.035 9.971 20.407 14.415 3.759 3.784

69.548 10.649 24.897 -18.478 37.082

73.046 13.997 28.334 -6.880 42.248

78.928 18.696 35.015 1.736 45.413

86.283 21.765 30.606 35.346 37.815

96.301 24.054 45.215 52.805 40.958

97.914 24.358 19.438 93.088 42.676

98.499 25.370 24.332 87.083 42.246

99.929 27.733 29.331 78.940 42.583

101.930 27.683 34.279 77.391 45.268

102.229 27.747 38.949 77.056 45.377

102.759 27.780 43.363 76.375 46.262

103.173 27.768 49.057 76.591 46.541

103.311 27.804 53.986 76.318 48.140

105.516 27.846 57.309 75.032 59.744

105.849 27.822 5.658 137.035 59.113

106.577 27.809 11.037 136.942 71.842

109.339 28.283 18.319 135.138 72.470

14.464

14.946

14.863

1.047

1.454

1.945

1.928

1.986

2.036

1.778

4.781

2.528

4.592

2.955

3.440

4.677

3.036

Apr Distribution of Funds a. Credit 1) Rupiah Foreign Exchange b. Inter-Bank 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) 12.242 e. Equity Participation 50.477 f. Other Claims

1.843.538 1.552.656 290.881 203.894 34.406 77.399 26.837 65.252 579.643 200.606 133.574 179.278 66.185 145.121

2.340.213 1.989.797 373.486 939.649 676.662 350.415 154.797 137.787 57.831 6.129 146.443 21.021 29.539 18.851 10.688 15.797 4.063

Source of Funds a. Third Party Funds - Rupiah Demand Deposits Times Deposits Savings Deposits - Foreign Exchange Demand Deposits Times Deposits Savings Deposits b. Liabilities owed to BI c. Inter-Bank d. Securities e. Loans received - Rupiah - Foreign Exchange f. Other Liabilities g. Guarantee Deposits

Components of Capital a. Paid-In Capital b. Reserves c. Current Earnings(Profit/Loss) d. Retained Earnings(Profit/Loss) e. Estimates of Additional Paid-In Capital 2.799 f. Loan Capital

109.649 28.917 23.944 129.091 73.030

Note: 1) see explanation page iii



Tabel 1.2 Kegiatan Usaha Bank Persero (State Owned Banks Operation) Miliar Rp (Billion Rp) 2010 Indikator Penyaluran Dana a. Kredit Rupiah Valas 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

2005 2006 2007 2008

2011 Indicator

2009 Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr 665.361 586.286 79.075 60.923 15.307 19.722 5.819 20.074 159.943 70.059 32.972 53.889 3.022 44.548

Distribution of Funds a. Credit 1) Rupiah Foreign Exchange b. Inter-Bank 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) 2.353 e. Equity Participation f. Other Claims 15.339

256.413 204.534 51.879 44.496 2.298 28.756 3.773 9.668 72.469 41.850 10.121 14.911 5.587 10.920

287.910 231.582 56.328 47.679 2.706 29.772 3.994 11.207 101.745 52.290 29.736 9.649 10.070 11.093

356.151 282.055 74.095 41.287 3.515 15.574 3.187 19.010 151.828 78.113 46.200 20.758 6.756 29.617

470.665 396.024 74.641 62.023 12.447 26.395 3.728 19.453 114.991 33.759 36.763 34.014 10.455 28.742

544.870 486.859 58.011 99.401 35.572 39.551 4.228 20.050 135.860 39.818 42.320 43.835 9.887 35.425

557.986 502.262 55.725 85.209 24.886 35.915 5.350 19.059 120.273 52.302 59.783 6.535 1.652 29.781

570.164 513.082 57.082 81.977 26.241 29.700 7.139 18.897 99.686 35.560 55.478 4.134 4.514 33.383

588.755 526.102 62.653 83.601 21.766 36.355 3.751 21.730 116.042 37.524 43.123 34.028 1.368 31.596

589.895 528.148 61.747 88.993 22.428 40.906 4.635 21.023 93.213 37.254 40.108 11.788 4.063 33.449

601.865 537.838 64.027 89.634 27.571 38.902 3.199 19.962 79.178 36.118 36.684 6.375 0 34.233

605.795 541.793 64.003 85.956 28.158 33.060 6.659 18.080 86.385 35.967 24.242 22.412 3.765 37.211

610.383 544.571 65.812 78.458 21.688 30.500 5.156 21.115 112.074 36.291 22.122 47.913 5.748 36.520

621.691 551.699 69.992 75.104 18.413 27.413 5.239 24.038 116.413 58.489 19.438 38.136 350 41.025

642.718 569.041 73.677 72.226 24.343 21.742 5.812 20.329 202.565 60.036 31.371 68.924 42.234 43.648

629.622 554.291 75.331 70.184 17.868 23.996 5.771 22.550 183.817 65.444 36.670 74.557 7.146 39.457

637.831 562.850 74.982 71.088 19.212 27.054 5.962 18.861 154.179 66.357 23.531 60.252 4.039 42.329

656.897 579.990 76.907 67.775 16.906 24.755 5.533 20.581 169.473 66.655 31.088 59.482 12.248 46.954

3.327 13.512

2.872 10.331

1.922 10.372

1.842 14.258

2.000 13.796

2.116 17.880

2.109 15.221

2.954 13.470

2.020 16.180

2.126 13.644

2.144 13.775

2.173 12.937

2.237 15.682

2.261 13.820

2.309 12.914

2.274 15.402

2.277 15.797

431.397 373.204 70.509 166.542 136.153 58.192 23.813 34.177 203 7.673 33.734 8.559 9.021 6.666 2.354 4.993 1.747

480.394 426.160 88.947 176.718 160.496 54.234 23.377 30.818 38 6.493 33.422 9.379 6.750 4.482 2.268 5.366 1.645

571.008 509.552 121.749 179.313 208.490 61.456 24.865 36.559 33 5.881 41.998 9.259 6.714 4.118 2.595 7.578 2.391

669.827 588.704 123.438 235.219 230.047 81.123 28.329 45.395 7.399 5.446 52.023 5.631 3.880 3.618 262 7.174 2.838

783.384 680.371 136.512 274.965 268.894 103.013 36.090 57.236 9.687 4.409 45.539 5.043 15.886 8.629 7.257 7.324 3.401

744.237 644.113 111.735 283.427 248.952 100.123 35.442 54.556 10.126 4.372 43.558 5.020 14.103 7.798 6.305 6.218 2.182

745.012 647.877 109.220 287.223 251.434 97.135 34.064 53.195 9.876 4.731 38.202 4.961 16.707 7.772 8.935 6.527 2.224

778.439 673.192 123.442 288.892 260.858 105.247 46.415 47.967 10.865 4.330 36.811 6.585 15.648 8.237 7.411 5.297 2.301

759.868 656.469 115.329 280.481 260.659 103.399 42.389 50.096 10.914 4.378 40.612 5.840 15.278 8.398 6.880 6.273 1.826

760.114 652.348 111.199 277.120 264.029 107.766 44.009 52.796 10.960 4.262 37.378 5.836 14.542 8.353 6.190 5.730 1.794

774.385 664.544 106.581 286.127 271.835 109.841 45.113 52.939 11.789 4.295 32.496 5.809 18.869 5.969 12.900 6.072 1.814

782.626 678.068 108.557 297.021 272.490 104.558 38.607 54.170 11.780 4.211 32.893 5.801 20.144 8.119 12.025 6.096 1.882

798.125 694.023 111.417 302.607 280.000 104.102 37.697 54.425 11.980 4.288 36.597 5.774 15.715 8.110 7.605 6.387 2.145

898.405 793.338 152.770 328.677 311.891 105.067 41.763 51.429 11.876 4.222 32.571 5.813 18.096 8.274 9.822 6.873 2.341

847.453 750.124 131.287 317.391 301.446 97.330 39.103 46.435 11.791 4.290 36.364 5.808 18.855 8.269 10.586 8.166 2.061

819.032 717.301 108.525 312.719 296.057 101.731 46.561 43.135 12.036 4.263 35.689 5.770 15.868 8.226 7.642 9.235 1.899

845.763 738.868 116.001 325.054 297.814 106.895 48.091 46.391 12.414 4.269 37.840 5.751 17.549 8.776 8.773 6.383 1.883

833.443 732.508 114.651 319.730 298.128 100.935 42.618 46.007 12.310 4.228 34.360 5.732 17.515 8.005 9.509 6.932 1.899

Beberapa Komponen Modal a. Modal Disetor 27.439 b. Cadangan 5.933 c. L/R tahun berjalan 9.185 d. L/R tahun lalu -13.528 e. Perkiraan tambahan modal 9.815 disetor f. Modal pinjaman 13.844

27.751 8.097 9.644 -12.107 13.145

28.572 10.837 13.332 -10.772 15.864

29.965 12.363 13.159 7.508 11.961

28.179 12.402 18.050 14.300 15.398

28.796 11.986 6.977 31.284 15.089

28.802 12.617 8.652 27.154 15.091

28.802 13.567 10.709 24.428 15.032

28.802 13.567 12.836 24.468 15.031

28.802 13.567 14.563 24.499 15.110

28.802 13.567 16.200 24.493 15.430

28.803 13.567 18.692 24.452 15.409

28.804 13.567 20.919 24.463 16.787

30.077 13.567 22.766 24.050 25.375

30.077 13.567 2.203 50.576 24.204

31.265 13.567 5.080 50.567 34.524

31.293 13.549 8.185 53.291 34.916

31.293 13.606 10.791 49.218 35.016

13.844

13.908

0

0

-

-

-

25

50

2.400

61

78

61

61

87

63

Sumber Dana a. DPK Rupiah Giro Deposito Tabungan Valas Giro Deposito Tabungan b. Kewajiban kpd BI c. Antar Bank d. Surat Berharga e. Pinjaman yang Diterima Rupiah Valas f. Kewajiban Lainnya g. Setoran Jaminan

Ket:

1)



Components of Capital a. Paid-In Capital b. Reserves c. Current Earnings(Profit/Loss) d. Retained Earnings(Profit/Loss) e. Estimates of Additional Paid-In Capital 213 f. Loan Capital Note:

1)

see explanation page iii

5



Tabel 1.3 Kegiatan Usaha BUSN Devisa (Foreign Exchange Commercial Banks Operation) Miliar Rp (Billion Rp) 2010 Indikator Penyaluran Dana a. Kredit Rupiah Valas 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 Rupiah Giro Deposito Tabungan Valas Giro Deposito Tabungan b. Kewajiban kpd BI c. Antar Bank d. Surat Berharga e. Pinjaman yang Diterima Rupiah Valas 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:

6

1)


2011 Indicator

2005 2006 2007 2008 2009 Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov Des

Jan

Feb

Mar

Apr

686.115 718.639 605.189 630.777 80.926 87.863 71.841 67.057 14.130 11.341 39.136 36.125 5.903 4.662 12.673 14.929 221.276 248.452 66.393 69.835 68.687 63.955 72.705 89.300 13.492 25.363 82.504 68.885

708.824 621.422 87.402 66.025 11.325 36.327 3.958 14.415 263.960 70.334 65.321 106.142 22.164 69.192

728.002 637.778 90.224 65.861 12.311 32.615 5.384 15.552 254.173 74.654 62.684 91.740 25.094 73.337

741.401 648.321 93.080 60.455 10.469 29.944 5.041 15.002 261.414 84.431 69.585 80.488 26.910 79.216

756.128 660.297 95.831 59.298 10.820 28.572 4.120 15.786 259.044 87.024 61.498 71.491 39.031 79.876

10.339 16.521

10.429 16.935

9.723 18.465

977.251 1.001.422 833.695 852.469 135.672 135.906 401.156 412.373 296.867 304.191 143.556 148.953 62.858 65.141 57.906 60.367 22.791 23.445 1.948 1.792 53.980 50.995 7.490 7.479 9.555 9.572 8.161 8.374 1.393 1.198 8.654 5.565 981 984

1.004.067 860.052 134.490 412.962 312.600 144.016 61.137 57.789 25.090 1.772 53.648 7.503 9.615 8.436 1.179 6.277 1.283

277.591 248.996 28.594 48.464 4.965 27.163 4.455 11.882 75.913 43.510 15.898 14.788 1.716 23.809

315.256 276.768 38.488 45.908 3.514 23.795 3.887 14.712 133.141 49.313 79.344 4.484 29.702

407.742 351.351 56.390 37.716 3.191 16.692 2.783 15.050 146.616 54.966 83.476 8.148 26 55.471

524.295 452.613 71.682 57.016 21.825 16.350 5.355 13.486 116.730 32.354 73.834 6.909 3.633 59.650

555.617 492.045 63.573 58.649 23.580 17.242 4.842 12.986 173.090 42.473 118.589 6.583 5.444 69.002

575.659 514.357 61.303 77.861 17.141 39.547 7.886 13.287 182.028 42.245 128.151 9.226 2.407 62.103

596.004 529.775 66.229 72.339 15.936 35.700 6.531 14.171 183.694 40.714 130.250 10.874 1.856 65.215

621.846 553.902 67.944 77.969 20.352 35.997 6.930 14.690 184.085 44.391 121.209 16.379 2.106 65.011

632.629 561.730 70.900 79.322 16.141 41.653 6.373 15.156 188.196 45.389 98.769 41.852 2.185 66.475

653.864 579.786 74.078 84.371 15.036 48.279 6.894 14.162 173.948 40.931 107.177 22.791 3.050 67.831

660.785 586.477 74.308 80.509 12.396 46.163 7.119 14.831 192.113 43.515 96.202 43.990 8.406 68.355

668.876 592.544 76.332 78.128 15.388 42.543 6.437 13.760 213.406 42.889 79.965 81.074 9.478 68.730

2.616 6.427

2.979 8.620

3.613 10.892

4.681 17.401

7.888 14.500

8.147 14.220

8.354 14.286

8.329 14.794

8.373 15.311

8.605 14.713

8.816 14.553

9.002 14.985

8.904 15.777

9.930 16.700

10.143 16.852

462.747 397.939 58.170 217.098 122.671 64.808 32.992 31.794 21 3.739 31.276 2.721 1.419 876 544 5.499 558

525.177 455.098 68.884 244.890 141.324 70.079 35.216 34.845 17 4.151 40.308 2.537 5.168 1.576 3.592 6.268 749

606.932 528.154 91.502 252.222 184.429 78.778 36.676 42.082 21 3.109 49.041 4.768 6.455 2.754 3.701 6.338 886

701.710 597.459 89.607 309.732 198.120 104.251 47.875 51.326 5.051 3.910 48.388 5.383 7.683 3.391 4.292 9.834 794

781.072 668.798 104.102 326.063 238.632 112.274 49.827 46.729 15.718 2.780 37.640 6.415 3.980 2.815 1.165 7.190 1.022

797.254 673.315 105.076 335.389 232.850 123.938 56.970 49.850 17.118 2.877 43.879 3.834 6.233 5.117 1.116 4.529 940

820.220 698.362 117.186 342.157 239.019 121.858 56.003 49.392 16.462 2.152 42.622 3.788 6.278 5.142 1.136 5.826 915

846.420 716.949 121.744 346.753 248.453 129.471 58.890 53.156 17.424 2.600 44.358 3.765 6.602 5.480 1.123 4.662 951

857.872 718.473 119.866 346.730 251.876 139.399 63.887 57.048 18.464 2.082 47.689 3.742 6.577 5.460 1.117 4.781 1.014

869.372 733.144 122.729 350.676 259.739 136.228 57.355 57.774 21.099 2.326 47.655 3.944 7.965 6.838 1.128 4.682 983

891.685 753.243 122.629 361.224 269.390 138.442 59.043 57.664 21.734 2.013 46.894 3.913 8.090 6.851 1.239 4.586 1.011

911.890 773.066 129.036 370.702 273.328 138.825 58.976 58.055 21.794 1.903 44.052 3.864 8.087 6.846 1.241 4.301 1.023

936.578 798.543 140.954 378.964 278.625 138.035 58.822 57.303 21.910 1.890 47.176 5.346 8.234 6.980 1.254 5.025 1.136

975.308 835.532 133.895 407.603 294.034 139.777 61.322 56.435 22.020 1.860 53.688 5.538 9.360 8.164 1.197 4.223 1.147

977.628 842.300 139.214 409.237 293.848 135.328 58.069 55.796 21.463 1.831 50.047 7.491 9.369 8.166 1.203 6.128 1.032

22.490 2.462 9.294 -9.096 27.146

24.524 3.332 9.822 -925 28.197

25.523 4.646 11.735 4.468 28.848

27.969 5.186 4.809 14.948 26.893

36.846 6.047 14.205 21.284 25.660

37.364 6.142 6.898 34.328 27.420

37.391 6.200 8.757 34.049 27.165

38.394 7.123 10.463 31.184 27.365

39.690 7.077 12.222 30.978 29.242

39.695 7.168 14.043 31.303 29.287

39.696 7.168 15.948 31.286 29.674

39.696 7.077 17.706 31.376 29.893

39.732 7.170 19.649 31.200 30.189

40.155 7.170 20.559 31.038 32.225

40.264 7.170 2.058 51.924 32.993

40.526 7.170 3.350 52.096 35.401

41.558 7.200 5.589 50.427 34.947

41.560 7.207 7.394 50.302 35.284

155

229

150

0

224

0

0

0

0

0

-

50

2.049

50

734

-

-

-

Distribution of Funds a. Credit 1) Rupiah Foreign Exchange b. Inter-Bank 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 - Rupiah Demand Deposits Times Deposits Savings Deposits - Foreign Exchange Demand Deposits Times Deposits Savings Deposits b. Liabilities owed to BI c. Inter-Bank d. Securities e. Loans received - Rupiah - Foreign Exchange f. Other Liabilities g. Guarantee Deposits Components of Capital a. Paid-In Capital b. Reserves c. Current Earnings(Profit/Loss) d. Retained Earnings(Profit/Loss) e. Estimates of Additional Paid-In Capital f. Loan Capital Note: 1) see explanation page iii



Tabel 1.4 Kegiatan Usaha BUSN Non Devisa (Non-Foreign Exchange Commercial Banks Operation) Miliar Rp (Billion Rp) 2010 Indikator

2005 2006 2007 2008

Indicator Apr

Penyaluran Dana a. Kredit Rupiah Valas 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 Rupiah Giro Deposito Tabungan Valas Giro Deposito Tabungan b. Kewajiban kpd BI c. Antar Bank d. Surat Berharga e. Pinjaman yang Diterima Rupiah Valas 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: 1) Lihat Penjelasan hal iii

2011

2009 Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

16.842 16.842 1.136 266 380 49 440 4.892 1.502 2.529 842 18 902

19.114 19.114 1.509 297 720 25 467 5.558 1.666 3.172 713 6 1.100

23.863 23.863 1.604 440 556 59 549 9.238 2.021 6.352 621 243 1.521

27.122 27.122 1.238 121 205 28 884 8.503 1.678 5.393 807 625 2.812

35.700 35.700 2.399 92 1.322 128 857 10.053 2.193 6.321 975 564 4.528

38.554 38.554 2.098 88 907 120 983 9.286 2.339 4.232 2.523 192 4.084

40.497 40.497 2.525 96 1.071 288 1.070 10.005 2.468 4.829 2.370 338 4.098

42.323 42.323 3.469 105 2.115 180 1.068 11.592 2.639 5.090 3.265 597 3.710

43.358 43.358 2.503 104 1.219 170 1.010 12.696 2.672 4.441 4.499 1.084 3.956

44.815 44.815 2.872 111 1.571 212 979 11.700 2.761 5.348 2.815 775 4.427

45.936 45.936 2.773 109 1.411 277 976 13.884 2.834 5.568 4.065 1.417 4.796

46.318 46.318 2.335 93 924 333 985 16.062 2.951 3.863 7.594 1.655 4.195

47.313 47.313 2.680 139 1.200 249 1.092 14.839 4.513 3.708 5.182 1.437 5.042

48.757 48.757 4.266 111 2.290 369 1.497 17.105 4.935 2.982 7.536 1.652 4.768

49.619 49.619 2.599 130 690 287 1.492 16.642 4.863 2.956 7.454 1.369 4.421

50.450 50.450 2.604 135 665 280 1.524 16.363 4.800 3.356 6.772 1.436 3.994

51.873 51.873 2.513 77 678 212 1.545 18.144 5.052 3.636 7.952 1.504 4.021

53.050 53.050 2.687 88 759 280 1.560 18.008 4.995 4.166 7.495 1.352 3.351

1 104

52

187

0 61

0 74

5 207

5 167

5 397

4 493

3 451

2 373

1 373

0 371

0 376

0 370

0 384

0 358

0 339

21.970 21.970 1.798 18.052 2.120 250 309 68 68 129 24

24.423 24.423 1.811 20.234 2.379 20 802 59 59 161 26

30.491 30.491 2.195 25.103 3.194 17 2.017 309 62 62 226 6

33.213 33.213 1.779 28.059 3.375 0 0 388 1.088 301 76 76 244 8

43.980 43.979 2.183 37.635 4.161 0 0 0 67 2.272 1.021 128 128 311 6

45.062 45.062 1.903 38.786 4.373 30 1.492 1.024 123 123 128 5

46.560 46.560 2.151 39.504 4.906 29 1.349 2.320 122 122 130 10

49.740 49.740 2.287 42.504 4.949 29 2.159 2.338 147 147 141 9

50.886 50.886 2.079 43.761 5.047 28 1.567 2.338 281 281 137 9

52.033 52.033 2.192 44.706 5.135 28 1.726 2.338 279 279 170 8

54.271 54.271 2.103 46.836 5.331 4 2.386 2.338 278 278 155 8

55.742 55.742 2.153 48.125 5.464 4 2.053 2.337 277 277 155 8

56.375 56.375 2.272 48.373 5.729 4 2.395 2.334 289 289 156 9

58.950 58.950 2.745 50.026 6.178 4 2.458 3.433 306 306 203 9

57.570 57.570 2.427 48.745 6.399 3 2.374 3.430 304 304 194 8

57.536 57.536 2.618 48.255 6.662 3 2.318 3.430 303 303 282 8

60.121 60.121 2.686 50.517 6.919 3 2.488 3.410 888 888 193 8

60.857 60.857 2.691 51.193 6.973 2 2.011 3.411 884 884 184 9

1.984 160 279 575 -6

2.258 194 399 677 46

3.042 200 765 921 47

3.693 217 604 1.332 -1

4.295 254 360 1.503 89

4.716 213 283 1.687 174

5.216 212 385 1.681 114

5.216 219 193 1.668 172

5.724 225 261 1.653 191

6.014 225 301 1.653 204

6.533 225 268 1.581 331

6.693 225 380 1.592 258

6.793 225 529 1.582 264

6.931 225 502 1.742 1.368

6.933 230 114 2.201 1.310

6.983 230 241 2.189 1.318

6.987 241 421 2.119 1.360

6.602 244 578 2.438 1.389

64

87

256

459

444

296

998

1.009

1.062

867

448

393

328

281

265

220

381

208


7



Tabel 1.5 Kegiatan Usaha BPD (Regional Development Banks Operation) Miliar Rp (Billion Rp) 2010 Indikator Penyaluran Dana a. Kredit Rupiah Valas 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 Rupiah Giro Deposito Tabungan Valas Giro Deposito Tabungan b. Kewajiban kpd BI c. Antar Bank d. Surat Berharga e. Pinjaman yang Diterima Rupiah Valas 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: 1) Lihat Penjelasan hal iii

8

2005 2006 2007 2008

2011 Indicator

2009 Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

143.707 143.395 143.174 142.896 534 500 29.634 27.074 1.299 1.648 8.952 6.971 15.992 15.158 3.391 3.298 47.372 55.305 16.269 15.340 5.411 7.061 14.763 19.829 10.930 13.074 3.359 3.485

145.945 145.459 486 28.506 2.145 9.568 13.095 3.698 68.004 15.536 6.995 29.131 16.341 3.530

149.427 148.860 567 28.672 1.698 7.421 16.098 3.455 72.238 18.366 7.554 31.794 14.523 3.038

152.882 152.328 553 28.093 1.582 7.407 16.254 2.849 69.176 18.996 8.294 24.516 17.370 4.669

36 514

36 509

36 492

36 509

183.624 196.117 182.685 195.055 61.725 76.352 67.365 71.102 53.595 47.601 939 1.062 471 428 450 615 19 19 19 19 14.823 8.179 2.126 2.620 1.561 1.520 1.561 1.520 1.781 611 407 307

210.593 209.446 87.860 75.939 45.647 1.147 392 731 24 19 8.013 4.221 1.535 1.535 532 266

216.693 215.793 89.039 81.876 44.878 900 384 494 21 17 8.791 4.220 1.533 1.533 603 252

219.317 218.577 89.689 83.266 45.622 740 334 387 19 17 7.626 4.227 1.525 1.525 604 254

44.931 44.889 42 13.785 936 1.923 9.104 1.822 36.628 7.286 17.297 6.414 5.630 3.477

55.955 55.919 36 21.139 1.191 6.042 12.018 1.888 69.589 14.196 43.115 4.973 7.304 3.654

71.881 71.529 351 14.786 2.332 4.285 6.400 1.769 62.827 20.972 34.842 4.000 3.014 9.503

96.385 95.751 635 19.517 734 5.923 11.216 1.645 45.986 8.677 26.260 4.709 6.340 10.212

120.754 120.244 510 22.312 970 8.392 11.434 1.516 32.609 8.793 10.645 6.191 6.980 9.750

127.329 127.061 267 29.512 1.643 11.777 13.652 2.440 49.389 9.188 23.711 13.639 2.852 6.048

129.472 129.200 272 25.533 1.541 8.198 12.405 3.389 49.338 10.325 22.969 13.304 2.740 5.221

132.740 132.477 263 24.845 1.418 7.327 13.236 2.864 62.035 9.623 19.498 19.055 13.859 4.282

135.688 135.430 258 25.555 1.778 8.334 13.393 2.050 62.205 10.624 12.695 30.387 8.500 4.128

138.023 137.763 260 28.442 1.759 9.963 13.972 2.748 50.957 9.924 15.815 18.269 6.949 4.000

139.450 139.193 257 26.711 1.277 6.433 16.409 2.593 63.032 10.159 17.104 28.869 6.900 4.023

142.040 141.582 458 27.223 1.320 5.530 18.027 2.346 62.030 10.169 12.620 33.581 5.660 3.579

143.956 143.493 462 26.220 1.594 5.044 16.916 2.667 55.605 16.298 8.145 19.512 11.650 3.116

14 9

13 9

34 24

34 341

36 434

36 411

36 421

36 500

36 511

36 428

36 508

36 522

36 600

85.283 85.213 50.631 17.475 17.107 70 43 27 212 2.705 2.131 898 898 2.834 134

129.141 129.065 74.692 29.365 25.008 75 31 44 144 4.307 3.026 905 905 5.871 232

134.287 134.077 69.123 31.750 33.205 209 167 42 1 99 5.733 2.997 1.089 1.089 6.812 466

143.262 143.027 70.653 34.877 37.497 235 93 138 4 882 10.092 2.887 1.310 1.310 4.627 543

152.251 151.425 63.553 44.148 43.724 826 294 525 7 41 13.084 2.340 1.559 1.559 4.453 554

184.041 183.230 80.198 66.280 36.751 812 206 591 16 37 6.353 2.498 1.541 1.541 626 323

183.098 182.287 78.320 67.050 36.917 811 210 586 16 37 6.802 2.344 1.477 1.477 633 309

198.673 197.473 92.380 67.503 37.590 1.201 625 563 12 33 6.900 2.340 1.382 1.382 869 269

199.091 197.951 87.266 71.424 39.261 1.141 659 472 10 28 6.483 2.251 1.375 1.375 739 269

194.370 193.109 81.182 72.593 39.334 1.261 711 537 13 25 5.671 2.251 1.439 1.439 1.119 278

204.169 203.001 86.880 76.003 40.119 1.168 632 523 14 23 6.970 2.067 1.431 1.431 666 286

203.924 202.891 81.172 79.880 41.838 1.033 563 454 17 23 6.724 2.067 1.458 1.458 663 302

196.571 195.537 76.292 76.177 43.068 1.034 564 454 17 23 8.271 2.067 1.456 1.456 742 325

5.882 1.274 2.797 43 -45

7.136 1.782 3.908 -68 51

8.979 2.367 4.530 -75 28

9.903 3.072 5.751 22 -200

11.501 4.190 6.488 4 36

11.559 4.847 3.099 3.532 104

11.610 5.160 3.867 1.833 75

12.037 5.527 4.748 333 124

12.755 5.526 5.306 277 964

12.759 5.499 5.775 130 988

12.769 5.532 6.426 143 1.015

12.828 5.584 7.081 226 1.108

12.828 5.528 7.489 217 1.047

13.200 5.570 7.511 63 1.016

13.200 5.541 661 8.427 944

13.225 5.538 1.320 8.481 946

13.550 6.011 2.142 6.160 968

13.646 6.566 2.776 4.299 989

401

331

220

206

372

575

548

224

154

161

205

297

410

615

653

643

402

508

36 490




Tabel 1.6 Kegiatan Usaha Bank Campuran (Joint Venture Banks Operation) Miliar Rp (Billion Rp) 2010 Indikator

2005 2006 2007 2008

Indicator Apr

Penyaluran Dana a. Kredit Rupiah Valas 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 Rupiah Giro Deposito Tabungan Valas Giro Deposito Tabungan b. Kewajiban kpd BI c. Antar Bank d. Surat Berharga e. Pinjaman yang Diterima Rupiah Valas 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: 1) Lihat Penjelasan hal iii

2011

2009 Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr Distribution of Funds a. Credit 1) Rupiah Foreign Exchange b. Inter-Bank 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) 111 e. Equity Participation f. Other Claims 5.156

36.937 16.088 20.849 8.335 1.056 5.608 409 1.262 8.009 2.325 4.833 841 9 2.527

40.833 18.166 22.667 6.901 639 4.910 162 1.190 10.266 2.139 7.023 1.082 22 2.073

58.520 23.634 34.886 7.137 803 4.569 1.765 16.566 3.686 11.830 296 755 3.262

75.849 33.360 42.489 14.821 3.727 7.212 109 3.773 15.687 2.724 10.384 1.542 1.037 3.726

80.977 43.962 37.015 16.828 5.348 9.495 114 1.871 23.781 3.538 17.909 2.110 224 5.907

84.391 48.295 36.096 13.818 3.177 8.467 129 2.045 22.048 3.527 17.157 1.358 7 5.944

88.165 49.293 38.872 13.875 4.869 6.444 131 2.430 22.150 3.557 17.865 723 5 6.412

94.779 53.544 41.236 15.313 3.941 7.679 129 3.565 23.307 3.755 17.546 2.000 6 5.032

88.693 49.403 39.290 14.877 2.979 8.043 109 3.745 20.371 3.743 12.935 2.882 811 4.500

92.476 50.555 41.922 14.073 2.844 7.705 110 3.414 20.280 4.542 13.290 1.823 625 5.201

95.106 52.260 42.845 14.513 3.994 6.791 109 3.620 20.846 3.264 11.902 5.671 9 5.000

96.567 52.284 44.283 14.064 3.028 7.632 3.404 21.692 3.624 8.442 7.052 2.574 4.711

96.378 49.196 47.182 12.806 3.170 6.149 202 3.285 25.066 5.189 11.660 6.861 1.357 6.479

99.020 50.311 48.709 12.144 2.748 5.679 202 3.515 24.116 5.840 9.585 6.994 1.697 5.792

98.845 50.081 48.764 13.336 3.135 6.143 203 3.855 24.685 7.989 9.893 5.036 1.767 5.856

94.606 49.664 44.943 16.346 4.475 7.470 198 4.204 22.481 7.877 7.228 6.147 1.229 5.567

96.821 50.348 46.473 14.406 3.497 6.629 195 4.085 26.438 8.501 8.123 8.028 1.786 4.287

97.360 50.553 46.806 13.503 4.072 4.767 192 4.472 23.810 7.902 7.648 6.531 1.729 4.667

122 2.321

36 2.328

37 2.523

40 4.727

73 4.117

87 4.615

87 4.693

91 4.732

89 4.399

89 4.260

91 4.142

91 4.045

91 4.434

109 4.816

109 4.875

109 4.497

111 5.033

34.484 15.411 3.251 11.784 376 19.073 8.294 10.779 13.060 402 101

35.927 16.112 2.715 12.173 1.224 19.815 7.410 12.405 14.048 416 175

54.934 26.779 4.112 21.197 1.471 28.154 9.155 18.999 17.644 588 134

76.902 37.691 4.976 29.691 3.023 39.211 13.896 25.315 0 0 18.292 99 2.411 91

94.761 54.321 7.136 43.203 3.983 40.440 14.336 22.668 3.436 0 16.119 99 835 143

88.384 53.309 6.358 42.498 4.453 35.074 11.694 16.510 6.870 0 20.079 100 871 187

91.590 55.871 7.684 43.669 4.518 35.719 12.316 16.668 6.735 0 21.113 100 682 158

99.058 59.575 7.803 46.058 5.714 39.482 13.477 19.413 6.593 0 20.931 100 713 150

91.985 53.361 7.727 39.329 6.304 38.624 13.274 17.965 7.386 0 20.084 100 679 90

93.078 52.392 8.557 37.585 6.250 40.686 13.632 19.418 7.636 0 21.143 100 632 127

95.037 52.673 8.892 37.340 6.441 42.364 13.956 20.815 7.593 0 22.382 100 638 153

97.549 54.216 8.689 39.696 5.832 43.333 13.833 21.673 7.827 0 20.256 100 738 90

97.617 54.608 8.027 40.898 5.683 43.009 13.906 20.938 8.165 0 24.782 100 882 97

98.161 54.292 7.984 40.151 6.156 43.869 14.295 21.223 8.351 0 24.873 248 628 102

97.737 53.128 8.303 38.612 6.213 44.609 15.096 21.391 8.122 0 24.695 248 694 133

96.183 51.438 8.228 37.065 6.145 44.745 14.880 21.568 8.297 0 22.500 248 0 0 747 112

97.746 52.440 8.583 37.848 6.009 45.306 14.492 22.440 8.374 0 24.071 248 0 0 761 132

95.698 52.396 7.868 38.299 6.230 43.301 14.041 20.802 8.458 0 22.969 148 0 0 736 99

8.377 820 1.370 485 -437

8.002 592 1.561 1.786 -400

9.434 646 1.656 3.579 -343

10.673 927 2.026 4.920 -487

11.650 1.160 2.129 6.900 -369

11.650 1.170 744 9.126 -320

11.650 1.180 941 9.117 -348

11.650 1.298 1.136 8.884 -334

11.130 1.288 1.174 7.559 -331

11.130 1.288 1.370 7.529 -336

11.130 1.288 1.531 7.455 -330

11.324 1.314 1.770 7.549 -328

11.324 1.314 1.921 7.563 -336

11.324 1.314 2.063 7.468 -348

11.545 1.314 208 9.519 -385

10.749 1.304 364 9.076 -378

12.121 1.281 604 9.095 233

12.121 1.294 800 9.020 268

-

456

329

382

329

371

371

700

700

700

1.727

1.727

1.727

1.948

1.727

3.727

2.190


Components of Capital a. Paid-In Capital b. Reserves c. Current Earnings(Profit/Loss) d. Retained Earnings(Profit/Loss) e. Estimates of Additional Paid-In Capital 1.740 f. Loan Capital Note: 1) see explanation page iii

9



Tabel 1.7 Kegiatan Usaha Bank Asing (Foreign Owned Banks Operation) Miliar Rp (Billion Rp) 2010 Indikator Penyaluran Dana a. Kredit Rupiah Valas 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 Rupiah Giro Deposito Tabungan Valas Giro Deposito Tabungan b. Kewajiban kpd BI c. Antar Bank d. Surat Berharga e. Pinjaman yang Diterima Rupiah Valas 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: 1) Lihat Penjelasan hal iii

10

2005 2006 2007 2008

2011 Indicator

2009 Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr 118.757 50.142 68.616 39.390 2.536 16.171 171 20.511 49.663 11.630 18.995 15.356 3.682 8.010

Distribution of Funds a. Credit 1) Rupiah Foreign Exchange b. Inter-Bank 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) 19 e. Equity Participation 10.668 f. Other Claims

62.935 34.497 28.439 42.905 1.618 26.595 2 14.690 11.667 5.792 3.577 1.947 351 2.588

73.230 36.951 36.279 33.770 704 18.075 14.992 23.157 6.187 16.654 315 8.367

83.856 39.171 44.685 37.246 1.280 17.040 5 18.921 31.195 7.808 21.163 1.904 320 8.633

113.372 49.420 63.952 59.163 1.465 25.350 32.348 20.437 4.735 13.885 1.817 0 8.709

100.011 49.846 50.165 61.885 2.524 34.882 24.479 22.505 4.550 16.332 1.064 559 10.350

102.410 52.109 50.300 54.196 2.418 30.190 21.588 30.138 4.924 22.403 2.404 407 11.581

107.254 53.711 53.543 50.387 3.307 25.189 21.891 33.494 5.109 22.208 5.687 491 13.857

106.049 52.153 53.895 47.723 2.582 22.733 227 22.181 27.148 5.015 17.798 3.896 439 14.951

107.718 53.141 54.577 47.024 1.868 23.147 22.009 37.811 5.071 21.592 9.442 1.706 9.856

109.387 52.709 56.677 46.405 1.988 22.291 22.126 37.919 4.948 30.413 2.185 373 11.338

112.073 53.796 58.277 45.769 2.136 20.776 22.857 32.881 4.967 21.247 6.315 352 11.745

111.449 53.604 57.845 44.493 1.860 18.945 23.688 41.127 5.072 20.301 15.259 494 11.049

110.950 49.785 61.165 43.125 2.463 18.002 22.660 46.217 7.571 30.945 7.141 560 10.080

113.004 50.348 62.656 43.223 1.923 19.328 21.972 42.290 7.920 26.011 7.914 445 7.002

115.700 50.926 64.774 42.848 2.957 17.856 181 21.854 40.783 7.815 21.617 10.894 457 9.488

117.054 51.307 65.747 43.457 2.215 18.589 176 22.477 42.984 10.219 17.507 13.315 1.942 9.494

118.427 51.114 67.313 42.197 1.940 17.703 174 22.380 48.997 11.427 19.770 14.103 3.697 9.393

43 3.213

23 4.462

12 4.837

29 14.157

13 6.987

13 8.238

13 7.964

13 7.678

13 8.553

13 7.678

13 7.824

13 7.778

13 7.614

19 7.605

20 7.247

20 7.781

20 8.601

92.057 36.423 9.495 24.087 2.841 55.634 22.416 33.218 18.334 2.336 679

92.040 42.586 12.515 26.629 3.442 49.455 22.412 27.042 26.566 1.832 440

113.182 55.743 20.655 31.398 3.690 57.438 25.353 28.045 4.040 21.357 3.350 809

128.377 60.349 17.290 38.405 4.654 68.028 32.064 26.547 9.417 648 28.764 10.374 947

117.594 57.731 19.242 32.267 6.222 59.864 32.612 16.270 10.982 731 19.890 2.759 851

121.473 63.506 19.353 36.374 7.779 57.967 33.163 13.577 11.227 65 23.681 1.270 653

126.736 69.519 23.158 38.457 7.904 57.218 33.368 12.802 11.047 25.249 1.274 748

123.707 67.478 22.285 38.088 7.105 56.229 32.815 12.172 11.241 18.870 1.044 740

122.893 66.129 21.976 36.170 7.983 56.764 32.429 12.710 11.625 24.419 1.511 680

123.813 66.513 22.062 37.409 7.042 57.300 32.739 12.561 11.999 24.537 1.047 745

124.517 66.573 25.036 34.284 7.252 57.944 33.364 12.487 12.093 24.661 952 757

122.153 64.612 23.284 34.278 7.049 57.541 32.905 12.327 12.309 27.651 977 721

126.948 67.999 27.481 33.642 6.876 58.949 34.504 12.226 12.219 17 28.000 1.012 788

124.376 65.722 24.689 34.265 6.768 58.653 34.197 12.187 12.270 2 24.332 939 752

125.551 65.744 25.076 33.898 6.770 59.807 35.250 12.382 12.175 12 26.498 1.112 663

127.249 64.275 24.624 33.119 6.531 62.975 37.554 13.263 12.157 52 26.703 958 494

129.612 69.074 25.051 37.294 6.728 60.538 35.419 13.180 11.939 80 26.421 911 524

126.831 65.408 24.098 34.201 7.109 61.423 36.667 12.801 11.955 110 25.829 1.064 520

3.376 1.971 3.044 609

3.376 3.000 3.757 1.210

3.376 2.998 3.614 970

4.080 4.257 6.616 (352)

3.830 3.983 8.814 144

3.830 1.438 13.133 210

3.830 1.731 13.250 148

3.830 2.081 12.444 224

3.830 2.479 12.457 171

3.830 2.897 11.942 125

3.830 2.989 11.416 142

3.830 3.427 11.396 201

3.830 3.479 11.292 189

3.830 3.907 10.670 108

3.830 415 14.387 47

3.830 681 14.532 32

3.830 1.378 14.048 47

3.830 1.604 13.814 84

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-


Components of Capital a. Paid-In Capital b. Reserves c. Current Earnings(Profit/Loss) d. Retained Earnings(Profit/Loss) e. Estimates of Additional Paid-In Capital - f. Loan Capital Note: 1) see explanation page iii



Tabel 1.8 Laporan Laba / Rugi Bank Umum (Commercial Banks Income Statement) Miliar Rp (Billion Rp) 2010 Indikator

2005 2006 2007 2008 2009

Apr

Mei

Jun

Jul

2011

Ags

Sep

Okt

Nov

Des

Jan

Febr)

Mar

Apr

177.377 133.511

212.499 174.463

219.653 176.036

262.061 201.775

298.180 233.750

154.132 80.217

190.831 100.592

243.215 121.483

200.060 142.452

225.704 163.708

258.489 185.748

290.135 207.392

317.024 228.805

350.873 251.562

32.288 24.062

61.584 45.599

94.909 71.138

125.882 94.100

130.686 8.026 7.766 114.894 29.377 84.220 1.297 2.825 571

170.252 18.095 9.541 142.616 37.247 104.794 575 4.211 968

170.714 17.874 8.567 144.272 29.685 113.813 774 5.323 987

198.874 16.129 9.005 173.739 29.567 142.927 1.245 2.901 766

231.797 18.117 7.477 206.203 29.372 175.504 1.328 1.953 679

79.874 5.368 1.779 72.728 7.625 64.683 420 343 6

100.170 6.229 2.196 91.745 9.854 81.388 503 422 8

120.984 7.779 2.744 110.461 11.358 98.468 635 499 11

141.848 9.632 3.236 128.981 12.749 115.433 798 604 10

163.002 11.047 3.762 148.194 14.578 132.706 909 706 13

184.939 11.954 3.992 168.993 16.937 150.735 1.321 809 17

206.488 13.609 4.592 188.286 18.613 168.236 1.437 904 21

227.859 15.175 5.079 207.605 20.387 185.665 1.554 946 25

250.478 16.980 5.700 227.798 22.110 203.844 1.844 1.083 28

23.977 2.045 679 21.253 1.640 19.437 177 85 4

45.430 3.863 1.230 40.336 3.411 36.607 318 170 7

70.912 5.763 1.867 63.282 5.059 57.726 497 225 10

93.804 7.600 2.541 83.663 6.732 76.224 707 296 12

1.672 582 358 170 54 932 23.140

2.576 667 477 159 31 4.545 11.755

2.438 1.898 1.592 258 48 2.670 13.142

1.421 714 340 264 110 2.090 26.748

605 669 396 185 88 2.761 24.390

190 148 84 45 18 3.207 58.022

238 176 105 52 19 3.540 69.686

304 185 121 62 3 4.554 97.472

380 214 138 73 3 5.517 29.009

442 250 160 83 8 6.008 29.476

492 300 195 95 10 7.075 35.921

537 346 229 107 9 7.893 41.803

582 340 211 119 10 8.189 43.297

630 425 239 174 12 8.482 48.300

44 38 15 22 0 577 3.968

86 76 40 35 1 1.461 6.228

132 83 38 45 0 2.828 8.754

176 108 47 61 0 3.802 11.529

13.601

15.730

20.145

24.911

27.852

9.688

11.926

14.409

17.097

20.194

22.093

24.644

27.363

31.906

2.565

5.053

8.007

10.809

6.192

6.051

7.659

6.537

9.427

2.998

5.087

5.298

5.985

6.319

7.652

8.404

9.371

10.623

1.115

3.244

4.183

5.642

B. Bebanoperasional 156.651 1. Beban bunga/bagi hasil 62.573 Penduduk 60.412 a. Kepada Bank Indonesia 611 b. Kepada bank-bank lain 4.408 c. Kepada pihak ketiga bukan bank 55.393 Giro 5.916 Simpanan berjangka 33.297 Tabungan 11.611 Pinjaman yang diterima 277 Surat berharga 2.179 2.114 Lainnya 2.156 Bukan penduduk 817 a. Kantor Pusat/Cabang sendiri diluar Indonesia 845 b. Kepada bank-bank lain 495 c. Kepada pihak ketiga bukan bank 17 Giro 85 Simpanan berjangka 6 Tabungan 65 Pinjaman yang diterima 76 Surat berharga 244 Lainnya 5 Koreksi atas pendapatan bunga 20.121 2. Kerugian transaksi valas/ derivatif 730 3. Komisi/provisi 23.101 4. Penyusutan/amortisasi/ penghapusan 50.126 5. Lainnya

184.826 91.374 88.449 437 5.568 82.444 7.536 58.061 12.991 577 2.710 569 2.919 1.505

184.617 79.627 76.126 456 4.964 70.706 8.392 45.905 12.536 551 2.735 587 3.495 1.413

232.170 88.813 85.155 453 5.341 79.361 9.225 51.975 14.089 587 2.299 1.185 3.597 1.394

258.311 104.496 101.776 535 3.924 97.316 9.754 68.845 15.254 689 1.884 890 2.700 1.174

138.705 31.974 31.567 225 1.392 29.950 3.055 19.048 5.227 1.641 663 317 407 131

171.754 40.274 39.787 282 1.797 37.707 3.810 24.031 6.529 2.100 842 396 487 155

220.024 48.429 47.881 338 2.166 45.377 4.581 28.946 7.810 2.541 1.034 466 548 181

171.452 57.025 56.385 393 2.558 53.434 5.413 33.858 9.173 2.910 1.536 544 640 217

192.864 65.598 64.877 448 3.339 61.089 6.184 38.864 10.549 3.382 1.492 618 722 246

223.101 75.147 73.218 502 3.276 69.439 6.921 43.839 11.985 3.934 2.023 736 807 274

249.501 83.881 81.977 559 3.779 77.640 7.695 49.039 13.474 4.372 2.289 771 945 302

271.417 92.203 90.565 607 4.086 85.873 8.438 54.318 14.964 4.784 2.520 849 974 327

302.549 101.777 99.957 702 4.528 94.727 9.266 59.734 16.648 5.196 2.814 1.070 1.098 354

37.948 10.878 9.507 51 437 9.019 917 5.605 1.608 440 371 78 95 27

52.077 19.543 17.983 100 833 17.050 1.620 10.696 3.066 881 641 147 184 52

80.768 29.229 27.438 153 1.282 26.004 2.461 16.396 4.692 1.394 800 261 266 77

106.466 38.491 36.696 202 1.683 34.811 3.226 22.038 6.275 1.865 1.065 341 340 98

875 539 26 122 8 102 68 214 5 9.745

1.304 778 43 70 7 408 31 220 6 10.966

1.411 792 31 166 8 476 66 44 61 20.146

1.062 464 15 88 18 273 19 52 20 18.234

210 66 5 20 2 38 1 57.389

252 80 6 24 3 47 1 68.304

280 87 7 22 4 54 1 95.454

320 103 8 28 5 62 1 0 26.547

368 108 9 32 6 60 1 0 27.020

404 128 10 44 6 65 2 2 1.122 33.087

441 202 11 101 7 71 2 10 959 38.737

477 170 12 52 8 77 3 18 663 39.966

514 229 17 88 9 83 5 26 722 44.614

37 31 3 7 1 5 2 13 1.276 3.636

77 55 5 12 2 10 4 22 1.375 5.845

106 82 8 18 3 16 6 31 1.525 7.944

134 107 11 25 4 21 7 39 1.454 10.532

989 29.596

1.268 29.285

1.791 44.925

53.122

63.472

20.726 56.484 43.353 13.131 33.858 24.899

27.719 77.669 64.832 12.837 40.555 28.334

35.035 72.003 57.180 14.823 49.859 35.015

A. Pendapatan operasional 1. Pendapatan bunga/bagi hasil/ margin Penduduk a. Dari Bank Indonesia b. Dari bank-bank lain c. Dari pihak ketiga bukan bank Surat berharga Kredit yang diberikan Lainnya Bukan penduduk a. Kantor Pusat/Cabang sendiri di luar Indonesia b. Dari bank-bank lain c. Dari pihak ketiga bukan bank Surat berharga Kredit yang diberikan Lainnya 2. Kenaikan nilai surat berharga 3. Keuntungan Transaksi valuta asing/ derivatif 4. Deviden, komisi/ provisi/fee 5. Lainnya

C. D. E. F. G. H.

Laba Operasional Pendapatannon-operasional Bebannonoperasional Labanonoperasional Laba tahun berjalan Laba ( setelah taksiran pajak penghasilan)

Ket : r) Revisi

1.834

650

946

1.124

1.340

1.411

1.807

2.031

2.244

3.479

198

402

644

797

76.496

50.860 82.886

18.695 29.997

24.000 38.230

30.120 44.897

34.464 52.076

37.940 60.895

43.939 69.121

48.860 75.991

52.814 84.190

57.268 95.410

14.505 8.730

213 17.237

16.781 26.169

20.548 36.098

29.891 83.797 65.531 18.267 48.158 30.606

39.869 104.504 82.589 21.915 61.784 45.215

15.427 42.522 31.406 11.117 25.329 19.438

19.077 41.798 28.331 13.467 31.424 24.332

23.190 58.649 42.531 16.117 38.155 29.331

28.608 59.779 42.608 17.171 44.501 34.336

32.839 65.163 46.152 19.011 50.514 38.892

35.388 87.093 57.223 23.734 56.784 43.363

40.634 82.148 58.989 23.159 64.017 49.057

45.608 90.804 65.936 24.868 70.736 53.986

48.325 100.948 73.218 27.730 76.140 57.309

(5.660) 21.632 8.631 13.001 7.338 5.658

9.508 24.098 19.480 4.618 14.116 11.006

14.142 37.523 28.828 8.696 22.887 18.319

19.416 57.546 47.062 10.485 30.050 23.944

Indicator A. OperationsIncome 1. Income from interest/profit sharing/margin Citizens a. From Bank Indonesia b. From other banks c. From Third Party non Banks Securities Credit disbursed Others Non-citizens a. Head / Branch Offices outside of Indonesia b. From other banks c. From Third Party non Banks Securities Credit disbursed Others 2. Increase in the value of securities 3. Profit from foreign exchange transactions / derivatives 4. Dividends, commissions, provisions/fees 5. Others B. OperationsExpenses 1. Interest/profit sharing charges Citizens a. At Bank Indonesia b. At other banks c. At third party non-banks Demand Deposit Time deposits Savings Deposit Loans received Securities Others Non-Citizens a. Head/Branch Offices outside of Indonesia b. At other banks c. At third party non-banks Demand Deposit Time deposits Savings Deposit Loans received Securities Others Corrections to interest income 2. Losses on foreign exchange transactions / derivatives 3. Commissions/fees 4. Depreciation/amortizations/ write-offs 5. Others C. OperationsProfit D. Non-OperationsIncome E. Non-OperationsExpenses F. Non-Operations Profit G. Current profit H. Profit (after calculation of income taxes)

Note : r) Revised

11



Tabel 1.9 Laporan Laba / Rugi Bank Persero (State Owned Banks Income Statement) Miliar Rp (Billion Rp) 2010 Indikator

2005 2006 2007 2008

2009

Apr

Mei

Jun

Jul

Ags

2011 Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr


75.854 54.640

74.585 65.869

74.745 65.677

85.799 73.708

102.480 87.974

37.798 32.507

47.027 40.446

71.148 48.433

66.822 56.713

76.863 64.866

87.248 73.226

96.307 81.191

105.465 88.991

119.152 97.982

11.335 9.774

23.631 17.967

36.601 29.085

47.719 37.614

53.598 1.455 3.179 48.964 15.171 33.520 273 1.042 468

64.455 4.660 3.905 55.890 19.736 36.047 107 1.414 714

62.980 3.107 3.212 56.660 15.804 40.663 192 2.697 700

72.327 3.400 3.111 65.816 14.869 50.682 264 1.381 557

87.054 3.178 2.859 81.018 14.854 65.901 263 920 287

32.348 1.490 460 30.398 3.966 26.324 108 159 0

40.257 1.590 528 38.140 5.174 32.835 132 189 0

48.241 1.765 611 45.866 6.319 39.364 182 192 0

56.486 2.443 726 53.318 6.938 46.121 259 227 0

64.599 2.660 810 61.129 7.921 52.920 288 267 0

72.905 2.303 876 69.726 9.467 59.738 521 321 0

80.823 2.511 984 77.327 10.424 66.331 573 368 0

88.619 2.691 1.105 84.823 11.467 72.783 573 373 0

97.574 2.996 1.296 93.283 12.498 80.192 593 408 1

9.734 453 230 9.051 899 8.107 45 39 0

17.886 851 436 16.598 1.992 14.536 71 80 1

28.996 1.176 639 27.182 2.870 24.218 93 88 1

37.499 1.455 886 35.159 3.793 31.234 131 115 1

255 319 97 169 53 408 13.995

355 345 156 158 31 1.184 902

428 1.569 1.281 240 48 197 554

427 398 116 262 20 107 1.472

216 417 149 182 86 518 1.319

57 102 39 45 18 356 448

70 118 49 50 18 339 563

70 122 59 61 2 692 14.861

84 143 68 72 3 754 887

98 168 79 82 7 785 1.503

110 211 107 95 9 1.093 1.394

119 249 135 106 9 1.227 1.107

131 241 114 118 9 1.322 1.168

143 264 133 120 12 1.290 3.006

12 27 9 18 0 83 121

24 56 28 27 1 597 1.024

36 52 20 32 0 1.624 413

48 66 22 44 0 2.116 643

4.081

4.815

6.460

8.544

10.128

3.313

4.191

5.234

6.211

7.699

8.523

9.555

10.571

13.075

970

1.951

3.042

4.132

2.729

1.815

1.857

1.968

2.541

1.175

1.487

1.927

2.257

2.010

3.011

3.227

3.412

3.798

388

2.093

2.438

3.215

B. Beban operasional 1. Beban bunga/bagi hasil Penduduk a. Kepada Bank Indonesia b. Kepada bank-bank lain c. Kepada pihak ketiga bukan bank Giro Simpanan berjangka Tabungan Pinjaman yang diterima Surat berharga Lainnya Bukan penduduk a. Kantor Pusat/Cabang sendiri diluar Indonesia b. Kepada bank-bank lain c. Kepada pihak ketiga bukan bank Giro Simpanan berjangka Tabungan Pinjaman yang diterima Surat berharga Lainnya Koreksi atas pendapatan bunga 2. Kerugian transaksi valas/ derivatif 3. Komisi/provisi 4. Penyusutan/amortisasi/ penghapusan 5. Lainnya

73.103 25.232 24.222 360 1.462 22.400 2.365 12.027 5.396 187 993 1.431 1.006 282

72.383 34.318 33.026 203 1.575 31.248 2.648 20.942 5.993 303 1.247 115 1.288 619

67.776 28.253 26.887 181 1.090 25.617 2.771 15.426 5.704 363 1.154 198 1.365 626

77.148 30.054 28.814 133 1.289 27.392 3.176 16.060 6.351 392 852 563 1.239 622

94.645 38.534 37.697 92 1.131 36.474 4.124 24.529 6.639 436 503 244 836 364

32.980 12.657 12.572 155 360 12.058 1.300 6.796 2.140 1.584 176 61 84 16

40.310 15.920 15.817 193 504 15.120 1.598 8.524 2.664 2.035 221 77 104 19

63.551 19.025 18.918 232 603 18.082 1.888 10.191 3.184 2.458 276 87 107 22

56.762 22.236 22.111 271 712 21.128 2.186 11.919 3.735 2.800 383 107 125 25

65.490 25.460 25.316 308 833 24.175 2.469 13.592 4.297 3.248 441 127 144 28

76.765 29.798 28.531 346 949 27.236 2.733 15.196 4.874 3.765 519 149 158 31

84.242 32.864 31.743 384 1.068 30.292 2.983 16.927 5.479 4.180 555 169 175 33

91.554 35.730 34.890 420 1.164 33.306 3.230 18.638 6.070 4.563 615 190 190 36

105.127 39.240 38.329 459 1.281 36.589 3.524 20.440 6.790 4.940 670 225 205 38

19.711 4.865 3.576 38 120 3.419 407 1.868 645 399 84 16 16 3

19.971 8.202 6.792 75 218 6.499 632 3.515 1.232 799 289 32 37 4

32.182 11.789 10.224 113 325 9.787 942 5.372 1.891 1.258 269 55 43 6

41.461 15.102 13.609 150 427 13.031 1.173 7.221 2.522 1.683 351 79 43 0

376 349 7 35 31 50 225 4 13.310

326 343 3 47 36 47 209 4 179

478 262 2 16 31 30 182 233

495 122 2 14 0 20 57 30 0 680

394 79 1 12 0 21 17 28 0 831

54 14 0 8 0 5 1 168

67 18 0 11 0 6 1 293

69 16 0 8 0 8 1 14.535

81 19 0 9 0 9 1 484

104 12 0 10 0 1 1 1.033

115 13 0 11 0 0 1 1.109 822

127 14 0 13 0 0 1 946 457

139 16 1 14 0 0 1 650 444

150 17 1 15 0 1 1 706 2.236

11 2 0 2 0 0 0 1.274 128

31 2 0 2 0 0 1.372 1.178

34 3 0 3 0 0 1.521 453

39 4 0 3 0 0 1.451 661

192 -

250 18.239

271 16.846

424 20.683

512 26.669

133 9.438

177 11.129

191 14.346

230 16.099

268 17.985

492 21.722

584 24.514

641 26.311

1.866 29.258

59 12.112

116 4.743

201 10.733

245 12.452

34.367

19.397

22.174

25.308

28.100

10.585

12.790

15.453

17.713

20.745

23.932

25.823

28.429

32.527

2.547

5.732

9.006

13.000

C. Laba Operasional D. Pendapatan non-operasional E. Beban non operasional F. Laba non operasional G. Laba tahun berjalan H. Laba ( setelah taksiran pajak penghasilan )

2.750 12.346 3.843 8.503 9.185

2.202 16.208 5.634 10.574 12.776 9.644

6.969 12.684 1.767 10.918 17.887 13.332

8.651 13.675 2.346 11.328 19.979 13.159

7.835 18.816 3.393 15.423 23.258 18.050

4.818 8.843 3.113 5.730 9.331 6.977

6.717 9.642 3.817 5.825 11.335 8.652

7.598 12.516 4.866 7.650 14.097 10.709

10.059 14.178 6.152 8.027 16.831 12.836

11.373 15.273 6.254 9.019 19.085 14.563

10.482 23.935 11.671 12.231 21.628 16.200

12.065 19.792 7.639 12.153 24.457 18.692

13.910 22.344 8.942 13.402 27.595 20.919

14.025 25.470 9.591 15.879 30.003 22.766

(8.376) 13.301 1.934 11.367 2.990 2.203

3.660 9.312 6.422 2.890 6.548 5.080

4.418 15.202 9.334 5.867 10.302 8.185

6.258 26.477 19.210 7.266 13.547 10.791

12

Indicator A. Operations Income 1. Income from interest/profit sharing/margin Citizens a. From Bank Indonesia b. From other banks c. From Third Party non Banks Securities Credit disbursed Others Non-citizens a. Head / Branch Offices outside of Indonesia b. From other banks c. From Third Party non Banks Securities Credit disbursed Others 2. Increase in the value of securities 3. Profit from foreign exchange transactions / derivatives 4. Dividends, commissions, provisions/fees 5. Others B. Operations Expenses 1. Interest/profit sharing charges Citizens a. At Bank Indonesia b. At other banks c. At third party non-banks Demand Deposit Time deposits Savings Deposit Loans received Securities Others Non-Citizens a. Head/Branch Offices outside of Indonesia b. At other banks c. At third party non-banks Demand Deposit Time deposits Savings Deposit Loans received Securities Others Corrections to interest income 2. Losses on foreign exchange transactions / derivatives 3. Commissions/fees 4. Depreciation/amortizations/ write-offs 5. Others C. Operations Profit D. Non-Operations Income E. Non-Operations Expenses F. Non-Operations Profit G. Current profit H. Profit (after calculation of income taxes)



Tabel 1.10 Laporan Laba / Rugi BUSN Devisa (Foreign Exchange Commercial Banks Income Statement) Miliar Rp (Billion Rp) 2010 Indikator

2005 2006 2007 2008 2009

2011

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Indicator


59.588 49.658

79.491 68.289

81.770 67.208

97.989 78.054

115.378 90.783

38.369 28.569

48.983 36.035

61.241 43.827

77.500 51.652

86.821 59.557

101.548 68.243

115.682 76.601

126.417 85.016

138.422 93.499

11.015 9.000

21.165 17.454

32.071 26.378

48.715 3.391 1.489 43.835 12.061 31.422 352 943 95

66.617 6.202 2.056 58.358 14.282 43.748 327 1.672 204

65.656 7.737 1.920 55.999 11.084 44.582 333 1.551 198

77.269 5.545 2.062 69.663 11.125 57.961 577 785 122

89.960 8.696 1.457 79.807 10.552 68.429 826 823 380

28.460 2.197 471 25.792 2.440 23.100 252 109 0

35.898 2.484 597 32.817 3.331 29.185 302 137 0

43.651 3.327 733 39.592 3.593 35.633 366 175 0

51.438 4.010 863 46.565 4.166 41.966 433 214 0

59.309 4.681 994 53.634 4.770 48.366 499 248 0

67.970 5.415 1.129 61.426 5.352 55.412 662 273 0

76.305 6.306 1.254 68.745 5.946 62.099 700 296 0

84.702 7.137 1.385 76.179 6.519 68.867 793 314 0

93.158 8.087 1.531 83.540 7.092 75.456 992 341 0

8.979 1.047 146 7.786 573 7.122 92 21 -

17.412 1.967 286 15.160 1.133 13.846 181 41 -

26.316 2.912 433 22.971 1.760 20.921 290 63 -

596 252 250 1 1 258 1.529

1.176 293 292 808 1.161

1.061 293 292 877 1.986

450 214 213 637 6.561

210 234 233 0 0 554 8.759

76 33 33 0 0 1.741 3.063

95 42 41 0 0 2.029 4.653

116 59 59 0 0 2.397 7.290

147 66 66 0 0 2.806 13.998

171 77 76 0 0 3.060 13.821

189 84 84 0 0 3.299 18.868

206 90 89 0 0 3.552 23.079

222 92 92 0 0 3.660 23.665

239 102 101 0 0 3.812 25.025

15 6 6 158 459

30 12 12 273 749

45 17 17 0 412 1.024

5.541

6.288

7.845

9.921

10.489

3.836

4.588

5.373

6.489

7.465

7.890

8.813

9.861

11.273

993

1.881

3.035

2.602

2.991

3.853

2.815

4.793

1.160

1.677

2.355

2.555

2.918

3.249

3.638

4.216

4.814

405

809

1.221


49.579 25.261 24.888 212 1.512 23.165 1.862 15.047 5.349 39 655 212 373 102

65.603 38.026 37.491 210 1.635 35.645 2.239 26.258 5.912 158 861 217 535 208

66.931 32.811 31.743 245 1.656 29.842 2.641 20.340 5.628 118 905 211 1.063 214

91.874 38.394 37.052 266 1.941 34.845 2.848 24.231 6.181 124 1.131 331 1.283 220

99.540 43.464 42.299 238 1.072 40.989 2.698 29.728 6.948 171 1.037 407 1.147 376

33.015 12.447 12.253 67 387 11.799 886 7.831 2.492 37 385 168 194 34

43.169 15.659 15.435 85 488 14.862 1.128 9.879 3.111 45 485 213 224 34

53.552 18.835 18.588 101 596 17.891 1.383 11.894 3.717 54 585 259 247 35

68.232 22.209 21.937 117 727 21.092 1.632 14.011 4.371 73 693 312 272 35

75.422 25.555 25.261 135 871 24.254 1.880 16.103 5.023 94 804 350 295 35

88.038 28.950 28.623 151 1.007 27.465 2.130 18.200 5.716 114 912 392 316 36

100.254 32.511 32.154 169 1.131 30.854 2.407 20.414 6.440 135 1.022 436 346 36

108.617 36.066 35.680 180 1.238 34.261 2.688 22.614 7.180 156 1.147 477 376 37

118.530 40.011 39.593 236 1.387 37.969 2.999 24.969 7.960 175 1.340 526 407 37

9.418 3.949 3.911 14 152 3.745 300 2.466 774 36 130 39 36 0

17.947 7.586 7.514 24 301 7.189 563 4.752 1.476 73 255 70 69 3

26.970 11.562 11.459 36 458 10.966 840 7.261 2.266 109 383 106 100 3

185 86 4 17 5 33 26 805

199 127 5 29 5 66 21 2 1 921

410 438 5 15 4 378 1 35 5 1.624

557 506 3 18 4 457 10 14 59 5.389

471 299 2 21 16 252 2 7 18 6.941

120 40 0 5 2 33 3.536

139 50 0 7 2 41 4.417

155 57 1 7 3 47 7.004

171 65 1 8 4 53 0 13.654

184 75 1 10 4 59 1 0 13.428

196 84 1 11 5 65 1 2 11 18.434

209 100 1 12 5 71 1 10 11 22.602

221 118 1 13 6 77 2 18 11 23.139

235 136 2 14 7 83 4 26 11 24.409

14 22 0 2 1 5 2 13 2 370

26 40 0 3 2 9 4 22 3 598

39 58 1 5 2 14 6 31 3 842

141 -

236 6.404

349 7.816

389 17.806

488 16.701

193 5.375

245 8.591

299 10.149

372 11.891

425 12.772

495 14.008

539 15.301

603 16.249

629 17.185

54 1.579

131 2.911

190 4.006

23.372

20.016

24.331

29.896

31.945

11.464

14.258

17.265

20.106

23.242

26.151

29.301

32.559

36.296

3.466

6.721

10.370

36.029 B. Operations Expenses 15.494 1. Interest/profit sharing charges 15.361 Citizens 47 a. At Bank Indonesia 608 b. At other banks 14.707 c. At third party non-banks 1.115 Demand Deposit 9.748 Time deposits 3.041 Savings Deposit 146 Loans received 515 Securities 143 Others 129 Non-Citizens 3 a. Head/Branch Offices outside of Indonesia 50 b. At other banks 76 c. At third party non-banks 1 Demand Deposit 7 Time deposits 3 Savings Deposit 19 Loans received 7 Securities 39 Others 3 Corrections to interest income 1.185 2. Losses on foreign exchange transactions / derivatives 218 3. Commissions/fees 5.171 4. Depreciation/amortizations/ write-offs 13.961 5. Others


10.009 37.991 34.741 3.250 9.294

13.933 51.091 50.986 105 14.038 9.822

14.839 48.138 45.936 2.202 17.040 11.735

6.115 53.697 49.735 3.962 10.076 4.809

15.838 63.326 59.548 3.778 19.616 14.205

5.354 17.602 14.338 3.264 8.645 6.898

5.814 22.910 17.849 5.061 10.990 8.757

7.689 27.211 21.793 5.417 13.142 10.516

9.269 33.626 27.624 6.002 15.295 12.222

11.399 35.862 29.653 6.209 17.631 14.043

13.510 47.490 33.744 7.645 19.977 15.948

15.429 44.773 37.997 6.775 22.253 17.706

17.800 49.090 42.261 6.829 24.665 19.649

19.892 53.945 47.023 6.922 26.875 20.559

1.597 5.992 5.084 908 2.508 2.058

3.218 10.749 9.739 1.010 4.230 3.350

5.101 16.084 14.288 1.796 6.944 5.589

7.201 22.561 20.690 1.871 9.216 7.394

43.230 A. Operations Income 35.444 1. Income from interest/profit sharing/margin 35.362 Citizens 3.892 a. From Bank Indonesia 563 b. From other banks 30.907 c. From Third Party non Banks 2.365 Securities 28.156 Credit disbursed 386 Others 82 Non-citizens a. Head / Branch Offices outside of Indonesia 59 b. From other banks 23 c. From Third Party non Banks 23 Securities 0 Credit disbursed Others 577 2. Increase in the value of securities 1.459 3. Profit from foreign exchange transactions / derivatives 4.034 4. Dividends, commissions, provisions/fees 1.715 5. Others

C. Operations Profit D. Non-Operations Income E. Non-Operations Expenses F. Non-Operations Profit G. Current profit H. Profit (after calculation of income taxes)

13



Tabel 1.11 Laporan Laba / Rugi BUSN Non Devisa (Non-Foreign Exchange Commercial Banks Income Statement) Miliar Rp (Billion Rp) 2010 Indikator

2005 2006 2007 2008

2009

Apr

Mei

Jun

Jul

Ags

2011 Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr


2.471 2.277

4.178 3.823

5.227 4.597

5.854 5.367

7.689 6.912

3.045 2.854

3.880 3.578

4.796 4.439

5.636 5.226

6.562 6.086

7.349 6.873

8.379 7.742

9.407 8.714

10.395 9.597

987 925

1.905 1.825

2.938 2.790

2.277 157 116 2.004 136 1.866 2 -

3.823 294 133 3.395 217 3.174 4 -

4.597 303 112 4.181 177 4.004 1 -

5.367 455 134 4.778 263 4.490 25 -

6.912 540 101 6.271 377 5.881 13 0 -

2.854 134 37 2.682 189 2.478 15 -

3.578 179 49 3.349 159 3.169 22 -

4.439 215 60 4.164 194 3.940 30 -

5.226 271 72 4.883 213 4.630 39 -

6.086 323 88 5.675 241 5.386 49 -

6.873 374 104 6.395 270 6.068 57 -

7.742 436 117 7.189 298 6.822 69 -

8.714 491 129 8.093 327 7.685 82 -

9.597 544 147 8.906 357 8.452 97 -

925 65 21 839 32 793 14 -

1.825 122 36 1.668 53 1.585 29 -

2.790 189 52 2.549 76 2.411 61 -

5 1

18 1

12 1

1 1

0 0 11 1

57 0

141 0

153 0

168 1

187 1

199 1

326 1

345 1

414 1

31 0

25 0

44 0 27

B. Beban operasional 1. Beban bunga/bagi hasil Penduduk a. Kepada Bank Indonesia b. Kepada bank-bank lain c. Kepada pihak ketiga bukan bank Giro Simpanan berjangka Tabungan Pinjaman yang diterima Surat berharga Lainnya Bukan penduduk a. Kantor Pusat/Cabang sendiri diluar Indonesia b. Kepada bank-bank lain c. Kepada pihak ketiga bukan bank Giro Simpanan berjangka Tabungan Pinjaman yang diterima Surat berharga Lainnya Koreksi atas pendapatan bunga 2. Kerugian transaksi valas/ derivatif 3. Komisi/provisi 4. Penyusutan/amortisasi/ penghapusan 5. Lainnya C. Laba Operasional D. Pendapatan non-operasional E. Beban non operasional F. Laba non operasional G. Laba tahun berjalan H. Laba ( setelah taksiran pajak penghasilan )

14

Indicator

3.941 A. Operations Income 3.739 1. Income from interest/profit sharing/margin 3.739 Citizens 259 a. From Bank Indonesia 68 b. From other banks 3.412 c. From Third Party non Banks 88 Securities 3.244 Credit disbursed 80 Others Non-citizens a. Head / Branch Offices outside of Indonesia b. From other banks c. From Third Party non Banks Securities Credit disbursed Others 47 2. Increase in the value of securities 0 3. Profit from foreign exchange transactions / derivatives 48 4. Dividends, commissions, provisions/fees 106 5. Others

95

92

122

117

121

44

69

88

106

126

91

98

107

117

8

13

93

245

495

367

645

90

116

135

163

186

212

240

267

24

42

77

2.360 1.302 1.302 18 20 1.264 76 1.084 90 3 6 5 -

3.854 2.311 2.311 2 48 2.261 107 2.026 119 4 5 -

4.369 2.264 2.255 2 66 2.187 103 1.928 114 1 32 9 8 -

5.078 2.855 2.850 6 94 2.750 137 2.447 117 1 37 11 5 -

7.307 3.599 3.599 8 107 3.483 75 3.198 137 2 56 16 0 -

2.813 1.229 1.229 2 42 1.185 29 1.068 45 1 41 3 0 -

92 3.556 1.561 1.561 2 51 1.508 36 1.353 58 1 56 4 0 -

4.590 1.918 1.917 2 60 1.855 45 1.651 76 2 77 4 1 -

5.275 2.271 2.270 2 70 2.198 54 1.951 87 2 98 6 1 -

6.127 2.654 2.653 2 80 2.571 63 2.276 101 4 120 6 1 -

6.907 3.052 3.049 2 91 2.955 71 2.615 117 5 141 7 1 -

7.822 3.463 3.460 2 104 3.354 80 2.966 132 5 163 8 1 -

8.638 3.877 3.874 2 118 3.754 89 3.317 144 10 184 9 1 -

9.500 4.308 4.305 2 133 4.170 101 3.675 162 12 208 12 1 -

975 445 445 0 13 431 11 369 19 1 30 2 1 -

1.748 848 846 0 24 822 20 697 38 3 60 5 1 0

2.575 1.289 1.287 0 35 1.252 30 1.057 59 7 91 8 2 -

-

-

8 8 -

5 0 5 0 0

0 0 0 0 0

0 0 0 -

0 0 0 -

1 1 0 -

0 1 1 0 0 -

0 1 1 0 -

1 1 0 0 2

1 1 0 0 2

0 1 1 0 0 2

1 1 0 2

1 0 0 0 0

1 0 0 1 0

2 0 0 2 0

20

16

13

13

0 11

5

7

0 8

0 9

0 10

0 12

0 13

0 14

0 5

0 0

0 0

0 0

1.038

341 1.186

502 1.591

356 1.854

692 3.004

363 1.215

785 1.879

797 2.198

896 2.567

1.083 2.760

1.259 3.087

1.329 3.417

1.367 3.819

137 393

213 687

282 1.004

110 562 445 117 162

324 1.210 1.002 208 531 399

858 1.642 1.509 133 991 765

777 2.180 2.092 88 865 604

383 3.837 3.592 245 628 360

232 1.588 1.504 84 314 283

431 1.557 324 2.041 1.937 103 425 385

3.405 B. Operations Expenses 1.691 1. Interest/profit sharing charges 1.689 Citizens 0 a. At Bank Indonesia 47 b. At other banks 1.641 c. At third party non-banks 41 Demand Deposit 1.386 Time deposits 78 Savings Deposit 13 Loans received 120 Securities 3 Others 3 Non-Citizens a. Head/Branch Offices outside of Indonesia b. At other banks 3 c. At third party non-banks Demand Deposit 1 Time deposits 0 Savings Deposit 2 Loans received Securities Others 0 Corrections to interest income 2. Losses on foreign exchange 0 transactions / derivatives 1 3. Commissions/fees 4. Depreciation/amortizations/ 369 write-offs 1.343 5. Others

206 2.490 2.375 114 318 140

361 2.627 2.505 122 481 261

435 3.478 3.354 124 557 301

442 3.987 3.860 127 553 268

557 4.484 4.342 141 698 380

768 5.028 4.889 139 907 529

896 5.577 5.424 153 1.050 502

12 699 555 144 155 114

157 1.243 1.073 170 327 241

363 1.846 1.660 187 550 421

536 2.403 2.201 203 739 578




Tabel 1.12 Laporan Laba / Rugi BPD (Regional Development Banks Income Statement) Miliar Rp (Billion Rp) 2010 Indikator

2005 2006 2007 2008 2009

Apr

2011

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Indicator

Apr


11.594 10.721

17.599 16.293

19.264 17.465

22.606 20.580

25.375 23.082

9.950 8.917

12.375 11.229

14.903 13.543

17.713 16.117

20.257 18.471

22.927 20.880

25.741 23.448

28.379 25.810

31.070 28.265

2.535 2.356

5.010 4.655

7.853 7.250

10.691 9.868

10.719 1.586 1.110 8.022 331 7.684 8 3 -

16.290 4.872 1.866 9.551 422 9.118 11 3 -

17.460 3.912 1.928 11.619 517 11.091 11 5 -

20.578 4.080 1.984 14.514 818 13.680 16 2 -

23.082 2.743 1.987 18.353 837 17.489 26 0 -

8.917 644 536 7.737 259 7.468 9 0 -

11.229 835 677 9.717 220 9.493 4 0 -

13.543 1.051 810 11.683 270 11.407 6 0 -

16.116 1.294 961 13.860 319 13.534 7 1 -

18.470 1.505 1.140 15.825 345 15.473 7 0 -

20.880 1.717 1.292 17.871 336 17.527 8 0 -

23.447 1.968 1.451 20.028 361 19.657 10 0 -

25.809 2.162 1.579 22.069 382 21.676 10 0 -

28.264 2.363 1.739 24.162 405 23.733 24 1 -

2.356 170 145 2.041 23 2.017 1 0 -

4.654 369 269 4.017 46 3.969 1 0 -

7.250 634 407 6.210 71 6.137 2 0 -

9.868 916 548 8.404 90 8.270 44 0 -

3 57 1

3 193 -

5 257 4

2 273 10

0 205 23

0 235 9

0 233 10

0 242 12

0 0 0 250 13

0 250 11

0 261 17

0 304 19

0 335 20

1 336 20

0 2 1

0 4 2

0 33 4

0 40 6

423

540

684

912

1.381

288

351

432

520

609

743

809

893

980

69

136

217

301

392

573

854

832

684

501

552

675

813

916

1.025

1.162

1.321

1.469

107

213

349

477


8.776 3.715 3.715 18 126 3.571 1.070 1.413 658 47 328 55 1 -

13.403 6.906 6.906 15 256 6.635 2.061 3.359 818 95 274 28 -

14.652 7.086 7.085 23 370 6.692 2.282 3.159 936 70 241 4 1 -

16.510 7.223 7.203 13 452 6.737 2.212 3.112 1.084 70 250 9 18 -

18.687 8.677 8.675 8 539 8.129 2.292 4.348 1.203 77 201 8 0 0

7.484 2.907 2.907 1 203 2.702 639 1.542 436 17 54 15 -

9.186 3.723 3.723 2 257 3.465 815 2.001 542 18 70 18 -

10.842 4.527 4.527 2 301 4.224 987 2.452 649 28 86 23 -

12.934 5.411 5.411 2 347 5.062 1.182 2.953 765 35 100 26 -

15.103 6.288 6.288 3 407 5.878 1.362 3.456 877 36 115 32 0 -

16.981 7.154 7.153 3 453 6.697 1.536 3.960 991 50 126 34 0 -

19.019 8.068 8.068 3 502 7.563 1.715 4.504 1.110 52 144 38 0 -

21.155 8.939 8.938 3 547 8.388 1.865 5.039 1.228 54 162 39 0 -

24.125 9.844 9.840 4 604 9.233 2.021 5.544 1.365 69 193 42 0 0

1.819 854 854 0 65 789 143 492 140 3 10 1 -

3.636 1.688 1.687 1 125 1.562 292 966 263 6 31 5 0 -

5.631 2.690 2.690 1 193 2.496 477 1.523 389 20 50 38 0 -

7.932 3.662 3.662 2 262 3.397 660 2.086 519 23 69 41 0 0

1 1 -

-

1 6

18 3 12 3 2 0

0 0 0 2 0

0

1

1

1

0 0 15

0 0 1 1

0 0 1 1

0 0 1 1

0 0 0 4 1

0 0

0 0 0 0

0 0 0 0 0

0 0 0 0 0

16 -

12 1.327

15 1.290

11 1.505

3 1.824

6 1.637

8 1.697

9 1.831

12 2.151

14 2.474

16 2.616

20 2.966

22 3.311

28 3.696

3 277

4 521

8 724

9 1.148

5.045

5.157

6.255

7.771

8.182

2.934

3.758

4.474

5.359

6.312

7.194

7.964

8.882

10.556

685

1.424

2.209

3.112


2.818 3.215 3.026 189 2.738

4.197 6.193 5.833 360 4.557 3.908

4.612 6.889 6.346 543 5.155 4.530

6.096 7.436 6.963 473 6.569 5.751

6.688 9.362 8.651 710 7.399 6.488

2.466 3.851 2.937 914 3.378 3.099

3.189 4.527 3.511 1.016 4.205 3.867

4.061 5.398 4.295 1.103 5.164 4.748

4.779 6.227 5.086 1.141 5.917 5.363

5.155 7.315 5.996 1.319 6.470 5.718

5.947 8.239 6.881 1.356 7.300 6.426

6.722 9.287 7.786 1.501 8.223 7.081

7.224 10.133 8.548 1.585 8.809 7.489

6.945 11.495 9.632 1.863 8.805 7.511

716 969 842 127 843 661

1.374 1.787 1.638 149 1.523 1.320

2.223 2.786 2.546 240 2.463 2.142

2.760 3.869 3.449 421 3.180 2.776

A. Operations Income 1. Income from interest/profit sharing/margin Citizens a. From Bank Indonesia b. From other banks c. From Third Party non Banks Securities Credit disbursed Others Non-citizens a. Head / Branch Offices outside of Indonesia b. From other banks c. From Third Party non Banks Securities Credit disbursed Others 2. Increase in the value of securities 3. Profit from foreign exchange transactions / derivatives 4. Dividends, commissions, provisions/fees 5. Others B. Operations Expenses 1. Interest/profit sharing charges Citizens a. At Bank Indonesia b. At other banks c. At third party non-banks Demand Deposit Time deposits Savings Deposit Loans received Securities Others Non-Citizens a. Head/Branch Offices outside of Indonesia b. At other banks c. At third party non-banks Demand Deposit Time deposits Savings Deposit Loans received Securities Others Corrections to interest income 2. Losses on foreign exchange transactions / derivatives 3. Commissions/fees 4. Depreciation/amortizations/ write-offs 5. Others C. Operations Profit D. Non-Operations Income E. Non-Operations Expenses F. Non-Operations Profit G. Current profit H. Profit (after calculation of income taxes)

15



Tabel 1.13 Laporan Laba / Rugi Bank Campuran (Joint Venture Banks Income Statement) Miliar Rp (Billion Rp) 2010 Indikator

2005 2006 2007 2008

2009

Apr

Mei

Jun

Jul

Ags

2011 Sep

Okt

Nov

Des

Jan

Febr)

Mar

Apr


6.043 4.307

7.860 5.680

9.528 6.354

14.681 7.894

15.772 10.128

4.856 3.058

6.813 3.849

7.462 4.668

8.690 5.098

9.085 5.895

10.917 6.755

11.882 7.484

12.974 8.260

14.661 9.098

1.878 841

2.493 1.548

4.617 2.373

5.673 3.188

4.132 675 243 3.214 269 2.766 180 175 -

5.391 796 354 4.241 358 3.777 107 289 -

6.091 1.028 261 4.801 316 4.318 168 263 -

7.751 955 435 6.361 427 5.902 32 144 -

10.073 1.318 409 8.347 683 7.472 191 55 0

3.026 402 77 2.547 235 2.286 26 32 -

3.810 505 94 3.211 290 2.887 33 40 -

4.604 647 112 3.845 281 3.526 38 64 -

5.013 685 121 4.207 311 3.853 43 84 -

5.795 775 142 4.878 352 4.478 48 100 -

6.642 858 162 5.623 392 5.177 53 113 -

7.360 915 184 6.261 432 5.768 61 125 -

8.128 997 207 6.924 467 6.388 69 133 -

8.955 1.085 231 7.639 515 7.047 76 143 -

832 89 26 717 48 658 10 9 -

1.529 146 47 1.336 73 1.246 17 19 -

2.342 228 84 2.031 133 1.874 25 31 -

3.149 302 117 2.730 179 2.520 31 39 -

174 1 1 8 996

288 1 1 8 1.296

243 20 2 18 24 1.931

141 3 3 50 5.504

43 11 7 3 2 87 3.886

22 10 10 0 166 1.079

26 14 12 2 115 1.000

62 2 1 0 144 1.798

82 2 2 0 186 2.445

98 2 2 0 120 1.902

110 2 2 0 296 2.590

121 4 2 2 269 2.711

130 2 2 0 304 2.825

140 2 2 0 290 3.503

9 0 0 3 875

19 0 0 6 653

31 0 0 57 1.715

39 0 0 85 1.778

631

688

1.083

1.137

1.463

521

652

806

912

1.057

1.207

1.341

1.498

1.663

135

254

432

577

101

187

135

96

207

32

1.195

46

51

111

68

77

86

107

24

32

39

45

B. Bebanoperasional 1. Beban bunga/bagi hasil Penduduk a. Kepada Bank Indonesia b. Kepada bank-bank lain c. Kepada pihak ketiga bukan bank Giro Simpanan berjangka Tabungan Pinjaman yang diterima Surat berharga Lainnya Bukan penduduk a. Kantor Pusat/Cabang sendiri diluar Indonesia b. Kepada bank-bank lain c. Kepada pihak ketiga bukan bank Giro Simpanan berjangka Tabungan Pinjaman yang diterima Surat berharga Lainnya Koreksi atas pendapatan bunga 2. Kerugian transaksi valas/ derivatif 3. Komisi/provisi 4. Penyusutan/amortisasi/ penghapusan 5. Lainnya

4.403 1.901 1.632 1 329 1.302 151 1.077 12 1 61 269 -

6.213 2.797 2.527 2 501 2.024 166 1.700 36 17 8 97 271 -

7.601 3.004 2.619 2 435 2.183 129 1.896 61 10 86 385 22

12.268 3.863 3.489 4 394 3.091 177 2.709 84 8 112 374 18

13.328 4.914 4.658 4 253 4.400 174 3.888 174 3 12 148 257 12

4.139 1.301 1.268 0 77 1.191 54 1.038 52 1 4 41 32 3

5.964 1.623 1.580 1 97 1.482 67 1.293 65 1 5 51 42 3

6.074 1.960 1.908 0 112 1.796 82 1.575 80 6 53 52 4

7.134 2.135 2.075 0 127 1.947 97 1.683 97 7 65 60 5

7.549 2.452 2.380 0 151 2.229 114 1.917 114 8 76 72 6

9.192 2.804 2.721 0 181 2.540 129 2.150 130 9 122 83 7

9.824 3.059 2.966 0 189 2.777 145 2.389 144 9 89 93 7

10.737 3.394 3.292 0 208 3.084 159 2.654 158 10 103 102 7

12.328 3.711 3.598 0 233 3.365 173 2.895 173 12 112 113 7

1.769 309 299 0 17 282 13 241 16 2 9 11 0

2.163 567 549 0 26 523 26 445 31 5 17 18 -

4.029 878 848 3 38 807 43 683 48 7 27 30 -

4.872 1.180 1.139 3 50 1.086 62 916 64 9 36 41 -

242 27 3 22 1 2 619

228 42 4 34 1 3 954

325 38 11 24 3 1.673

319 37 12 24 1 4.542

175 70 9 43 1 18 3.279

24 5 1 4 0 1.016

32 7 2 5 1 1.002

40 8 2 5 0 1.424

49 6 3 3 0 1.796

58 7 3 4 1 1.487

68 8 3 4 1 0 2.135

77 9 3 5 1 0 0 2.191

85 10 4 6 1 0 0 2.228

95 11 4 6 1 0 0 2.864

9 1 0 1 0 0 0 847

28 2 0 2 0 0 1.570

37 3 1 3 0 0 1.586

57 -

85 902

134 769

203 1.077

288 1.377

90 506

110 589

134 713

173 900

199 951

233 1.146

256 1.200

280 1.347

304 1.486

27 183

17 1 0 1 0 0 563 49 259

93 429

111 583

1.826

1.476

2.021

2.584

3.469

1.226

2.640

1.842

2.130

2.461

2.875

3.119

3.487

3.964

403

725

1.060

1.412

C. D. E. F. G. H.

1.640 640 267 373 1.370

1.647 843 305 538 2.185 1.561

1.927 773 296 478 2.405 1.656

2.412 1.100 611 489 2.901 2.026

2.444 2.340 1.717 623 3.067 2.129

717 8.875 8.574 302 1.019 744

848 981 545 436 1.284 941

1.388 8.988 8.808 180 1.568 1.136

1.556 958 923 35 1.591 1.174

1.537 1.025 723 302 1.839 1.370

1.724 1.134 788 346 2.071 1.531

2.058 1.294 928 365 2.424 1.770

2.237 1.442 1.061 381 2.618 1.921

2.333 1.663 1.248 415 2.748 2.063

109 372 184 188 297 208

329 522 345 178 507 333

587 766 538 229 816 604

801 1.002 736 265 1.066 800

Laba Operasional Pendapatannon-operasional Bebannonoperasional Labanonoperasional Laba tahun berjalan Laba ( setelah taksiran pajak penghasilan)

Ket : r) Revisi

16

Indicator A. OperationsIncome 1. Income from interest/profit sharing/margin Citizens a. From Bank Indonesia b. From other banks c. From Third Party non Banks Securities Credit disbursed Others Non-citizens a. Head / Branch Offices outside of Indonesia b. From other banks c. From Third Party non Banks Securities Credit disbursed Others 2. Increase in the value of securities 3. Profit from foreign exchange transactions / derivatives 4. Dividends, commissions, provisions/fees 5. Others B. OperationsExpenses 1. Interest/profit sharing charges Citizens a. At Bank Indonesia b. At other banks c. At third party non-banks Demand Deposit Time deposits Savings Deposit Loans received Securities Others Non-Citizens a. Head/Branch Offices outside of Indonesia b. At other banks c. At third party non-banks Demand Deposit Time deposits Savings Deposit Loans received Securities Others Corrections to interest income 2. Losses on foreign exchange transactions / derivatives 3. Commissions/fees 4. Depreciation/amortizations/ write-offs 5. Others C. OperationsProfit D. Non-OperationsIncome E. Non-OperationsExpenses F. Non-Operations Profit G. Current profit H. Profit (after calculation of income taxes)

Note : r) Revised



Tabel 1.14 Laporan Laba / Rugi Bank Asing (Foreign Owned Banks Income Statement) Miliar Rp (Billion Rp) 2010 Indikator

2005 2006 2007 2008 2009

2011

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar


20.704 10.905

28.786 14.509

29.119 14.736

35.132 16.171

31.486 14.872

60.115 4.313

71.754 5.454

83.664 6.572

23.699 7.646

26.115 8.833

28.500 9.771

32.143 10.926

34.382 12.014

37.173 13.121

4.537 1.166

7.380 2.151

10.830 3.261

10.243 726 1.608 7.908 1.399 6.093 417 662 8

13.677 1.270 1.226 11.181 2.231 8.930 20 832 50

13.930 1.786 1.133 11.011 1.787 9.155 70 806 89

15.582 1.695 1.279 12.608 2.065 10.212 331 589 88

14.716 1.644 664 12.409 2.068 10.332 8 155 12

4.270 500 198 3.572 536 3.027 9 42 5

5.398 636 251 4.511 681 3.819 11 56 8

6.505 774 419 5.312 703 4.597 12 68 11

7.568 928 493 6.147 802 5.328 17 78 9

8.743 1.102 588 7.052 950 6.083 19 90 13

9.669 1.287 429 7.953 1.119 6.813 20 102 17

10.811 1.473 602 8.736 1.153 7.559 25 115 21

11.888 1.697 673 9.518 1.225 8.266 26 126 24

12.929 1.905 757 10.268 1.243 8.963 61 192 28

1.151 220 112 820 65 739 15 15 4

2.122 408 157 1.558 114 1.425 20 29 6

3.218 624 253 2.341 149 2.165 27 43 9

644 11 11 195 6.618

754 28 28 2.334 8.395

701 17 16 1.302 8.665

401 100 10 0 90 1.022 13.199

137 7 7 0 1.386 10.402

36 1 1 0 652 53.423

46 2 2 0 682 63.460

55 2 2 0 925 73.510

66 2 2 0 1.352 11.666

75 3 2 0 1.607 12.237

83 3 3 0 1.926 13.052

91 3 3 0 2.215 14.887

99 4 4 0 2.221 15.619

107 57 4 53 0 2.340 16.744

7 5 0 4 301 2.512

13 9 1 9 555 3.800

20 14 1 13 659 5.598

2.814

3.308

3.951

4.280

4.270

1.686

2.074

2.477

2.860

3.237

3.638

4.027

4.432

4.799

391

819

1.254

171

240

464

460

557

41

84

180

175

201

114

88

96

168

167

54

58


17.545 4.805 4.296 3 953 3.340 360 2.354 80 197 349 507 433

23.370 7.015 6.189 6 1.553 4.630 314 3.776 113 321 106 826 678

23.289 6.210 5.537 3 1.349 4.186 464 3.156 94 392 79 673 551

29.292 6.425 5.747 32 1.171 4.545 675 3.416 273 0 22 160 677 534

24.805 5.307 4.848 186 821 3.841 391 3.153 153 75 67 459 422

58.274 1.433 1.338 0 323 1.015 147 773 62 5 28 95 78

69.570 1.788 1.671 0 401 1.270 164 981 88 5 33 117 99

81.416 2.164 2.022 0 495 1.528 196 1.183 104 5 40 142 120

21.115 2.762 2.580 0 574 2.006 262 1.342 119 255 28 182 152

23.173 3.190 2.979 0 996 1.983 296 1.519 137 0 5 26 211 177

25.217 3.390 3.142 0 595 2.546 322 1.718 158 317 31 248 201

28.340 3.917 3.587 0 786 2.800 365 1.839 169 396 31 330 225

30.714 4.196 3.891 0 810 3.081 407 2.056 184 0 401 32 305 248

32.939 4.663 4.292 0 891 3.401 448 2.210 198 1 390 154 371 272

4.256 455 423 71 353 42 168 14 0 116 11 32 24

6.611 653 594 139 455 86 322 26 1 20 60 45

9.380 1.021 930 234 696 128 500 39 0 1 28 91 69

43 32 4 11 17 1 5.386

121 26 13 12 1 1 7.690

90 32 25 5 2 7.430

39 104 10 93 1 9.535

21 16 4 12 0 7.183

11 6 3 3 0 0 52.669

14 5 3 1 0 62.591

16 5 4 2 0 72.491

19 12 4 7 1 10.612

21 13 5 8 1 11.057

25 22 5 16 1 11.695

28 77 6 70 1 13.486

31 26 7 18 1 14.152

35 64 12 51 1 0 15.103

2 6 3 3 0 2.291

4 11 5 6 0 3.505

6 16 7 8 0 5.079

303 -

392 2.383

485 2.063

752 3.497

532 3.598

223 1.376

399 1.563

483 2.296

545 2.626

495 2.862

561 3.362

619 3.620

683 4.268

646 4.277

55 218

101 403

153 608

7.049

5.890

7.101

9.083

8.185

2.573

3.228

3.983

4.570

5.569

6.210

6.698

7.415

8.249

1.237

1.948

2.520

3.159 1.447 733 714 1.971

5.416 2.124 1.072 1.052 6.468 3.000

5.830 1.877 1.326 550 6.380 2.998

5.841 5.710 3.783 1.927 7.767 4.257

6.680 6.823 5.687 1.136 7.816 3.983

1.841 1.762 939 823 2.642 1.438

2.184 1.698 672 1.025 3.184 1.731

2.248 2.046 394 1.653 3.866 2.081

2.584 2.163 319 1.844 4.385 2.479

2.942 2.210 172 2.038 4.932 2.897

3.283 2.307 279 2.029 5.256 2.989

3.803 2.518 296 2.222 5.962 3.427

3.668 2.768 235 2.533 6.142 3.479

4.234 2.798 299 2.499 6.660 3.907

282 300 32 268 545 415

769 485 263 222 982 681

1.450 839 462 377 1.813 1.378


Apr

Indicator

14.627 A. Operations Income 4.247 1. Income from interest/profit sharing/margin 4.187 Citizens 776 a. From Bank Indonesia 360 b. From other banks 3.052 c. From Third Party non Banks 216 Securities 2.800 Credit disbursed 35 Others 60 Non-citizens 11 a. Head / Branch Offices outside of Indonesia 29 b. From other banks 19 c. From Third Party non Banks 2 Securities 17 Credit disbursed Others 936 2. Increase in the value of securities 7.642 3. Profit from foreign exchange transactions / derivatives 1.719 4. Dividends, commissions, provisions/fees 84 5. Others 12.767 B. Operations Expenses 1.361 1. Interest/profit sharing charges 1.237 Citizens a. At Bank Indonesia 289 b. At other banks 949 c. At third party non-banks 174 Demand Deposit 682 Time deposits 53 Savings Deposit 0 Loans received 1 Securities 39 Others 124 Non-Citizens 94 a. Head/Branch Offices outside of Indonesia 8 b. At other banks 22 c. At third party non-banks 10 Demand Deposit 12 Time deposits 0 Savings Deposit Loans received Securities Others Corrections to interest income 7.099 2. Losses on foreign exchange transactions / derivatives 214 3. Commissions/fees 824 4. Depreciation/amortizations/ write-offs 3.269 5. Others 1.861 1.234 776 459 2.301 1.604


17



Tabel 1.15 Rekening Administratif Bank Umum (Commercial Banks Off-Balance Sheet) Miliar Rp (Billion Rp) 2010 Indikator

2005 2006 2007 2008 2009

2011

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

10.638 5.034

17.440 5.559

33.963 20.983 7.496 5.246

21.650 6.321

108.856 6.486

154.547 5.354

118.984 5.386

119.826 5.441

116.827 5.408

128.541 5.798

116.053 7.071

150.618 8.610

131.215 131.024 131.733 151.598 8.629 8.836 8.701 8.699

151.802 10.219

4.300

9.997

20.181 10.910

13.641

100.518

147.093

111.037

111.982

109.867

120.667

106.662

139.510

120.109 120.010 120.866 140.466

139.070

1.305

1.884

1.688

1.852

2.101

2.561

2.403

1.552

2.076

2.319

2.498

Kewajiban Komitmen 177.816 198.826 272.594 296.167 374.255 - Fasilitas kredit kepada 151.987 162.988 208.338 247.673 323.716 nasabah yang belum ditarik - Fasilitas kredit kepada 353 515 765 872 803 bank lain yang belum ditarik - Irrevocable L/C yang 18.824 23.955 42.019 31.744 37.177 masih berjalan - Posisi penjualan spot yang 4.070 8.390 15.724 10.165 11.382 masih berjalan - Lainnya 2.581 2.978 5.748 5.713 1.177

675.937 474.231

712.993 476.484

694.387 484.953

712.720 501.033

733.338 512.260

771.300 530.414

769.907 551.385

813.673 553.395

3.302

2.632

2.747

3.509

2.686

4.584

3.524

5.768

43.741

46.107

43.911

42.631

47.640

46.787

49.447

154.228

187.194

161.779

160.953

170.230

188.974

436

576

998

4.593

523

Tagihan Kontinjensi - Garansi yang diterima - Pendapatan bunga dalam penyelesaian - Lainnya

71.292 58.770 11.149

132.926 108.641 23.140

135.906 111.790 22.940

135.741 111.685 22.843

147.179 122.760 23.119

1.373

643

7.626

1.146

1.177

1.213

Kewajiban Kontijensi - Garansi yang diberikan - Lainnya

38.277 37.482 795

44.659 43.755 904

77.430 123.784 101.455 74.397 109.488 99.985 3.032 14.296 1.470

96.219 94.866 1.353

97.409 95.928 1.481

163.993 166.370 199.082 148.821 135.192 34.517 40.719 43.675 45.965 32.896 129.476 125.650 155.407 102.856 102.296

135.175 29.609 105.566

136.190 29.683 106.507

Tagihan Komitmen - Fasilitas pinjaman yang belum ditarik - Posisi pembelian spot yang masih berjalan - Lainnya

Lainnya - Penerusan Kredit - Aktiva produktif yang dihapus bukukan

18

6.286

4.828

84.730 119.740 221.486 139.047 68.627 102.454 138.537 115.923 15.460 15.383 69.873 15.498 1.903 13.075

2.478

2.433

2.513

794.241 871.665 861.379 908.941 554.709 603.045 587.496 623.224

870.389 576.973

6.486

2.177

4.447

3.150

53.106

49.967 48.243 50.933 54.110

55.194

165.061

200.714

182.155 213.160 217.697 226.475

234.225

542

490

691

280.978 125.087 154.592

146.860 121.392 24.148

155.413 129.550 24.482

155.336 129.073 25.057

1.301

1.299

1.320

1.381

1.206

99.620 98.407 1.214

102.264 100.867 1.398

105.714 104.077 1.638

105.980 104.770 1.210

109.043 107.765 1.278

136.730 29.327 107.403

137.308 29.452 107.856

138.718 30.210 108.508

140.624 30.096 110.528

141.154 30.158 110.995

924

6.264

2.166

954

4.442

812

685

847

160.947 163.053 163.377 167.630 136.529 138.373 138.478 143.931 23.292 23.529 23.721 22.493

164.446 140.465 22.761

Indicator Claim Commitments - Not yet withdrawn loan facilities - Current spot purchases - Others Liabilities Commitments - Client credit facilities that are not yet withdrawn - Other bank credit facilities that are not yet withdrawn - Current Irrevocable L/Cs - Current spot sales - Others

1.205

1.220

Claim Contingency - Guarantees received - Adjusted interest income - Others

110.952 109.726 1.226

117.228 112.098 111.366 114.754 116.029 110.747 109.896 113.271 1.199 1.351 1.470 1.483

116.649 115.223 1.426

Liabilities Contingency - Guarantees issued - Others

144.102 29.733 114.369

146.144 145.903 147.218 148.344 30.173 30.062 30.032 29.377 115.970 115.841 117.186 118.967

147.039 29.065 117.974

Others - Channelling Credit - Written-off Earning assets

1.127

1.151

1.178



Tabel 1.16 Rekening Administratif Bank Persero (State Owned Banks Off-Balance Sheet) Miliar Rp (Billion Rp) 2010 Indikator Tagihan Komitmen - Fasilitas pinjaman yang belum ditarik - Posisi pembelian spot yang masih berjalan - Lainnya

2005 2006 2007 2008

2009

2011

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

464 0

1.870 841

2.580 175

497 188

36 0

2.409 107

2.025 110

5.105 110

8.962 133

8.442 131

7.511 146

6.727 146

5.871 185

7.481 199

7.562 10.086 294 297

11.074 301

8.926 307

30

235

2.023

154

36

1.611

1.198

4.351

8.205

8.279

6.740

5.957

5.061

6.657

6.643

9.164

10.148

7.996

434

794

382

155

0

691

716

644

625

32

625

625

625

625

625

624

624

623

Kewajiban Komitmen - Fasilitas kredit kepada nasabah yang belum ditarik - Fasilitas kredit kepada bank lain yang belum ditarik - Irrevocable L/C yang masih berjalan - Posisi penjualan spot yang masih berjalan - Lainnya

50.033 59.736 79.368 39.557 47.703 58.652

97.045 79.791

150.680 130.405

159.640 159.555 136.709 135.735

161.002 139.763

174.462 145.255

170.508 142.539

170.862 141.737

176.052 151.041

176.933 168.046 187.893 179.543 145.240 139.200 162.834 152.453

182.812 153.345

182.294 154.103

384

494

269

319

133

258

170

170

220

155

149

176

9.248 11.334 20.165

16.735

19.995

21.222 22.058

20.216

19.675

24.830

23.916

24.095

24.692 20.266 19.345 18.629

20.486

21.616

257

260

342

208

130

189

Indicator Claim Commitments - Not yet withdrawn loan facilities - Current spot purchases - Others Liabilities Commitments - Client credit facilities that are not yet withdrawn - Other bank credit facilities that are not yet withdrawn - Current Irrevocable L/Cs - Current spot sales

30

233

155

11

6

1.362

1.435

886

5.383

2.964

5.032

688

6.785

8.442

5.517

8.299

8.824

6.390

941

205

13

14

6

5

7

4

3.891

5

7

8

8

7

7

7

8

8


11.109 14.544 14.492 2.796 2.728 2.430 7.763 11.578 10.944

70.167 3.279 65.584

21.904 4.090 10.527

21.689 22.384 3.746 3.945 17.149 17.609

22.180 3.795 17.528

22.721 4.000 17.790

153.937 3.967 149.051

23.761 4.275 18.545

24.079 4.371 18.713

24.474 24.076 24.504 24.917 4.475 4.937 5.012 5.194 18.998 18.224 18.561 18.764

24.438 5.993 17.461

24.778 6.190 17.596

1.118

1.304

7.286

830

858

931

918

941

995

958

984

992


16.683 17.235 22.386 16.577 17.101 22.355 106 134 31

30.699 30.305 393

34.918 34.666 252

31.551 32.392 31.488 32.270 63 122

33.211 33.150 61

34.225 34.164 61

34.143 34.065 77

34.095 33.988 107

35.036 34.970 66

35.922 39.794 36.922 37.570 35.855 39.722 36.819 37.380 67 72 103 191

38.985 38.577 408

39.561 39.217 344


114.513 109.163 139.519 124.429 29.670 35.775 38.318 40.616 84.842 73.389 101.201 83.813

106.712 27.403 79.309

106.278 106.817 26.475 26.627 79.803 80.190

107.173 26.333 80.840

106.923 26.414 80.509

107.919 27.198 80.721

109.136 27.083 82.053

109.053 27.170 81.883

108.996 112.091 111.532 109.975 26.681 26.948 26.840 26.462 82.315 85.143 84.692 83.512

110.383 26.119 84.265

109.871 26.061 83.810



550

238

795

1.001

915

931

- Others Claim Contingency - Guarantees received - Adjusted interest income - Others

19



Tabel 1.17 Rekening Administratif BUSN Devisa (Foreign Exchange Commercial Banks Off-Balance Sheet) Miliar Rp (Billion Rp) 2010 Indikator Tagihan Komitmen - Fasilitas pinjaman yang belum ditarik - Posisi pembelian spot yang masih berjalan - Lainnya

2005 2006 2007 2008 2009

Apr

Mei

Jun

Jul

Ags

2011 Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

2.149 18

5.081 11.644 2.206 1.127

7.199 654

5.332 141

39.681 139

48.435 141

43.336 144

43.427 129

40.922 130

48.413 43.613 53.005 44.148 388 351 364 182

47.868 53.885 431 427

59.456 430

57.374 437

1.535

2.346

5.016

1.972

4.101

38.912

47.625

42.115

42.450

40.232

47.720 42.370 51.786 42.830

46.618 52.622

57.984

55.791

596

529

5.501

4.573

1.089

630

668

1.077

848

560

836

1.042

1.147

78.586 116.802 127.426 68.281 93.638 110.519

132.078 118.457

231.260 177.966

239.518 178.489

239.236 180.247

250.917 194.003

252.239 193.609

261.087 265.743 277.801 276.731 194.703 203.204 204.308 212.273

296.636 301.422 227.226 223.914

318.320 235.474

308.285 224.877

1.431

1.498 1.446

1.538

1.510


64.526 57.653

511

1.562

855

1.552

930

818

Claim Commitments - Not yet withdrawn loan facilities - Current spot purchases - Others Liabilities Commitments - Client credit facilities that are not yet withdrawn - Other bank credit facilities that are not yet withdrawn - Current Irrevocable L/Cs - Current spot sales

94

246

366

358

486

1.070

1.233

1.038

1.244

1.338

4.495

7.137

12.666

8.968

9.347

12.997

13.775

13.994

14.062

14.552

14.731 15.831 17.484 18.506

17.954 20.914

21.545

20.734

1.743

1.487

4.877

2.255

2.735

38.921

45.583

43.094

41.072

42.441

49.911 44.789 53.895 43.735

49.148 54.471

59.228

60.500

541

1.435

5.256

5.326

1.054

306

438

862

535

299

337

357

562

787

677

535

664


2.575 711 1.273

2.086 273 1.694

3.216 15.110 565 920 2.047 2.628

3.787 690 3.008

4.433 251 4.092

3.864 360 3.415

3.752 259 3.403

4.079 533 3.456

4.191 481 3.620

4.175 471 3.614

7.757 4.057 3.607

4.305 594 3.622

5.081 1.527 3.464

5.107 7.689 1.531 4.043 3.485 3.556

7.796 4.095 3.611

7.919 4.080 3.747

590

119

605 11.561

90

90

90

90

90

90

90

93

89

90

90

90

92


6.571 5.964 607

8.940 8.202 738

17.381 32.307 14.400 18.422 2.981 13.885

18.531 17.392 1.139

18.438 17.210 1.229

18.493 17.193 1.300

19.611 18.474 1.137

20.641 19.331 1.310

21.933 20.400 1.534

22.127 23.300 23.443 24.355 21.047 22.107 22.306 23.253 1.081 1.192 1.137 1.103

24.090 25.430 22.882 24.189 1.208 1.241

25.539 24.501 1.038

25.765 24.727 1.038



42.802 2.822 39.980

48.860 2.869 45.991

50.754 15.274 2.883 2.854 47.870 12.420

18.480 2.879 15.601

19.203 783 18.421

19.416 680 18.736

19.662 686 18.976

20.538 690 19.848

20.662 694 19.968

21.353 21.559 21.614 22.650 680 712 680 705 20.648 20.847 20.934 21.969

22.783 22.874 676 671 22.107 22.203

22.965 668 22.298

23.137 664 22.473


20

1.406

891

Indicator

810

90




Tabel 1.18 Rekening Administratif BUSN Non Devisa (Non-Foreign Exchange Commercial Banks Off-Balance Sheet) Miliar Rp (Billion Rp) 2010 Indikator

2005 2006 2007 2008

2009

Apr

Mei

Jun

Jul

Ags

2011 Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

30 9

40 9

83 9

75 0

62 0

55 0

54 0

53 0

53 0

52 0

288 223

288 223

65 0

65 0

64 0

60 40

60 40

58 50

-

-

-

-

-

-

-

-

-

-

-

0

0

0

0

0

0

0

21

32

74

75

62

55

54

53

53

52

64

64

65

65

64

20

20

8


1.836 1.806

1.666 1.618

1.882 1.853

1.966 1.926

2.232 2.197

1.972 1.938

2.066 2.027

1.940 1.905

1.992 1.950

2.220 2.163

2.220 2.152

2.305 2.371 2.242 2.303

2.297 2.245

2.341 2.292

2.398 2.359

2

5

3

6

10

11

10

11

14

32

36

35

26

27

32

25

23

24

-

-

-

-

-

-

-

-

-

-

-

0

0

0

0

0

0

0

-

-

-

-

-

-

-

-

-

-

-

0

0

0

0

0

0

0

27

44

25

34

25

23

28

25

28

25

32

35

41

36

36

28

26

16


194 179

202 177

156 147

100 95

137 1 136

158 1 154

174 1 170

176 1 172

194 1 189

214 1 203

216 1 213

221 1 218

967 1 966

226 1 226

231 1 227

240 1 239

230 1 229

166 1 163

15

25

9

4

0

4

3

3

5

10

2

3

1

0

4

0

0

2


124 117 7

103 95 8

127 112 16

120 107 12

194 121 73

170 109 60

199 141 58

157 142 14

154 134 20

164 138 26

157 141 16

150 132 18

157 136 21

180 158 22

168 134 33

189 157 31

199 169 31

211 173 38


598 42 556

590 41 549

637 41 596

530 39 491

710 21 689

685 19 666

673 66 607

1.418 65 1.353

814 65 749

844 65 779

888 65 823

916 65 851

951 65 886

955 65 890

990 53 936

1.038 63 974

1.094 63 1.031

1.099 63 1.036

Tagihan Komitmen - Fasilitas pinjaman yang belum ditarik - Posisi pembelian spot yang masih berjalan - Lainnya

2.723 2.284 2.653 2.217

Indicator Claim Commitments - Not yet withdrawn loan facilities - Current spot purchases - Others Liabilities Commitments - Client credit facilities that are not yet withdrawn - Other bank credit facilities that are not yet withdrawn - Current Irrevocable L/Cs - Current spot sales - Others Claim Contingency - Guarantees received - Adjusted interest income - Others Liabilities Contingency - Guarantees issued - Others Others - Channelling Credit - Written-off Earning assets

21



Tabel 1.19 Rekening Administratif BPD (Regional Development Banks Off-Balance Sheet) Miliar Rp (Billion Rp) 2010 Indikator Tagihan Komitmen - Fasilitas pinjaman yang belum ditarik - Posisi pembelian spot yang masih berjalan - Lainnya

2005 2006 2007 2008 2009 42 16

28 10

-

-

2011 Indicator

Apr

Mei

Jul

Jun

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

336 21

35 15

515 9

446 18

609 12

715 14

751 23

721 7

732 18

675 11

689 11

657 55

621 11

609 11

652 10

1.890 9

-

0

-

20

44

-

-

-

-

0

11

0

0

1

1

1.299

553

701

727

714

715

665

667

602

610

597

640

583

11.900 11.130 11.226 10.368

11.564 10.810

11.334 10.568

11.431 10.672

11.824 11.113

12.988 12.261

12.593 13.319 13.308 11.889 12.603 12.627

13.171 12.458

12.968 12.281

Claim Commitments - Not yet withdrawn loan facilities - Current spot purchases - Others

26

18

315

20

507

407


1.677 1.625

2.208 2.136

3.820 3.426

6.799 6.548

11.276 10.865

11.825 11.297

-

5

12

14

28

34

35

19

33

23

28

38

41

41

57

58

59

60

2

18

25

13

320

404

548

685

673

675

655

607

632

582

570

540

584

546

-

-

-

-

-

35

46

-

-

-

-

0

0

0

0

1

1

5

50

50

356

224

64

56

46

58

47

68

77

66

54

80

88

82

70

77


479 2 333

624 2 465

599 56 496

876 345 463

2.066 1.389 591

803 134 584

845 147 618

856 157 616

949 255 601

757 48 613

830 75 656

844 103 642

981 226 653

873 168 598

1.079 1.565 329 785 637 664

1.635 821 696

1.781 921 740

145

157

47

68

87

85

79

83

93

96

99

99

102

108

116

119

120


1.523 1.451 72

2.856 2.833 23

5.788 5.783 5

9.198 9.193 5

10.666 10.660 6

9.764 9.763 1

9.671 9.670 1

9.299 9.298 1

9.591 9.586 6

10.039 10.556 10.038 10.550 1 5

10.909 10.908 1

11.325 11.324 1

11.258 10.286 10.361 11.257 10.280 10.355 1 6 6

10.555 10.548 6

10.734 10.728 6



4.433 1.982 2.451

4.807 2.035 2.772

5.112 2.280 2.832

5.257 2.389 2.868

5.432 2.593 2.840

4.402 2.333 2.069

4.427 2.310 2.117

4.321 2.243 2.078

4.533 2.283 2.250

4.580 2.212 2.369

4.676 2.308 2.368

6.084 2.527 3.556

5.033 2.276 2.757


22

4.587 2.253 2.334

4.629 2.243 2.385

5.179 2.479 2.700

113

5.235 5.602 2.492 2.835 2.743 2.768

Liabilities Commitments - Client credit facilities that are not yet withdrawn - Other bank credit facilities that are not yet withdrawn - Current Irrevocable L/Cs - Current spot sales - Others Claim Contingency - Guarantees received - Adjusted interest income - Others



Tabel 1.20 Rekening Administratif Bank Campuran (Joint Venture Banks Off-Balance Sheet) Miliar Rp (Billion Rp) 2010 Indikator Tagihan Komitmen - Fasilitas pinjaman yang belum ditarik - Posisi pembelian spot yang masih berjalan - Lainnya

2005 2006 2007 2008 5.811 4.991

2009

2011 Indicator

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Des

Nov

Jan

Feb

Mar

Apr

5.006 10.730 2.494 6.163

5.617 4.389

5.262 3.823

34.221 3.968

42.817 2.797

34.042 2.852

34.309 2.919

31.661 2.881

34.014 2.997

31.223 3.269

33.801 31.455 3.082 3.031

27.214 3.123

29.791 3.075

30.140 31.169 3.128 4.706

622

2.011

4.565

1.227

1.411

30.186

39.913

31.108

31.243

28.665

30.856

27.879

30.434 28.168

24.031

26.628

26.906 26.313

198

502

2

1

29

67

108

82

147

115

161

74

256

59

89

Kewajiban Komitmen 15.752 - Fasilitas kredit kepada 11.944 nasabah yang belum ditarik - Fasilitas kredit kepada bank lain yang belum ditarik - Irrevocable L/C yang 2.217 masih berjalan - Posisi penjualan spot yang 579 masih berjalan - Lainnya 1.011

15.427 20.805 16.235 10.341 13.298 11.400

19.575 14.167

96.722 74.378

104.735 78.272

108.323 81.835

106.484 80.877

114.849 87.382

113.100 84.771

114.248 87.923

117.037 113.836 90.999 88.396

115.316 88.155

117.651 89.927


19.379 19.190 189

286

107

150

121.575 120.176 90.997 90.578

-

-

1

10

9

8

3

4

4

3

2

3

8

7

8

8

7

2.068

2.890

2.913

3.233

4.456

4.912

4.262

3.808

3.430

3.752

4.676

3.893

3.985

4.266

4.411

4.556

4.339

1.779

4.530

1.809

2.136

17.833

21.488

22.177

21.704

23.986

24.485

21.622

22.116 21.433

22.876

23.288

25.967 25.172

1.239

87

111

28

45

56

46

90

46

89

25

14

12

16

20.284 29.927 41.419 20.042 29.715 41.256 242 212 163

32.484 32.153 331

31.302 31.050 252

32.798 32.503 295

31.788 31.504 285

33.720 33.486 234

34.915 34.665 250

32.462 32.207 254

36.070 35.659 411

36.630 39.315 36.266 38.943 373 364

37.745 37.365 379

35.334 35.065 269

0

0

0

0

0

26

47

80

38.510 36.193 38.239 35.908 271 286

Claim Commitments - Not yet withdrawn loan facilities - Current spot purchases - Others Liabilities Commitments - Client credit facilities that are not yet withdrawn - Other bank credit facilities that are not yet withdrawn - Current Irrevocable L/Cs - Current spot sales - Others Claim Contingency - Guarantees received - Adjusted interest income - Others

-

-

-

-

-

-

-

-

-

-

-

0


4.647 4.644 3

4.507 4.506 1

6.801 6.801 -

9.972 9.971 0

7.453 7.453 -

7.514 7.514 -

8.045 8.045 -

8.293 8.293 -

8.271 8.271 -

9.215 9.215 -

9.409 9.408 1

9.626 9.625 1

9.785 10.173 9.785 10.173 1 0

9.891 9.890 1

8.421 8.420 1

9.321 9.321 0

9.370 9.370 0



1.014 1.014

1.217 1.217

1.362 1.362

1.736 1.736

1.783 0 1.783

616 0 616

609 0 608

617 0 616

970 0 970

1.070 0 1.070

1.091 0 1.091

1.528 0 1.528

1.631 0 1.630

1.691 0 1.690

1.768 0 1.768

1.813 0 1.812

1.863 0 1.863

1.911 0 1.911


0

23



Tabel 1.21 Rekening Administratif Bank Asing (Foreign Owned Banks Off-Balance Sheet) Miliar Rp (Billion Rp) 2010 Indikator Tagihan Komitmen - Fasilitas pinjaman yang belum ditarik - Posisi pembelian spot yang masih berjalan - Lainnya

2005 2006 2007 2008 2009

Apr

2011

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar Apr

2.142 -

5.415 -

8.590 -

7.562 -

10.442 32.044 2.349 2.253

60.607 2.294

35.733 2.266

32.324 2.237

35.030 2.259

37.583 2.231

33.527 3.071

57.187 47.410 4.969 4.956

47.695 4.976

37.303 4.852

50.216 52.384 4.789 4.710

2.113

5.406

8.577

7.557

8.093 29.789

58.312

33.463

30.084

32.691

35.351

30.456

52.218 42.454

42.718

32.451

45.426 47.671

29

9

13

5

1

1

4

2

80

1

0

0

1

1

Kewajiban Komitmen 43.992 41.203 49.917 46.696 - Fasilitas kredit kepada 39.402 32.909 37.471 37.488 nasabah yang belum ditarik - Fasilitas kredit kepada bank lain yang belum ditarik - Irrevocable L/C yang 2.862 3.398 6.273 3.114 masih berjalan - Posisi penjualan spot yang 1.717 4.891 6.163 6.089 masih berjalan - Lainnya 11 5 10 4

58.413 174.518 47.625 71.943

195.218 70.734

172.757 70.836

167.302 68.137

182.187 75.998

212.600 96.379

199.318 95.451

226.631 220.729 98.371 100.708

256.130 109.923

247.158 106.329

270.721 244.269 128.658 92.776

Tagihan Kontinjensi - Garansi yang diterima - Pendapatan bunga dalam penyelesaian - Lainnya Kewajiban Kontijensi - Garansi yang diberikan - Lainnya Lainnya - Penerusan Kredit - Aktiva produktif yang dihapus bukukan

24

37.556 46.991 71.351 93.815 36.072 45.582 69.689 92.737 1.412 1.303 1.538 940 73

105

124

138

8.729 11.018 24.947 41.489 8.729 11.018 24.947 41.489 633 633

1.732 1.732

1.698 154 1.544

1.596 67 1.529

1

0

1

2

Indicator Claim Commitments - Not yet withdrawn loan facilities - Current spot purchases - Others Liabilities Commitments - Client credit facilities that are not yet withdrawn - Other bank credit facilities that are not yet withdrawn - Current Irrevocable L/Cs - Current spot sales

-

1.834

1.027

1.542

1.957

1.118

2.942

1.666

3.938

4.849

4.480

2.750

2.670 1.372

4.282

4.662

4.814

4.754

4.413

4.152

3.734

4.237

6.404

6.627

6.106

6.439

6.939 7.960

6.506 96.078

118.642

95.622

92.794

100.838

109.545

97.962

117.917 108.544

135.620

131.638

132.454 142.159

1

1

3

2

80

1

0

0

1

1

78.670 74.541 77.602 73.460 905 910

75.842 74.834 832

76.987 75.969 840

85.516 84.486 849

86.964 85.926 854

85.417 84.363 866

86.440 85.360 890

87.979 91.375 87.512 90.953 454 409

94.387 94.134 240

93.632 93.390 228

172

175

178

181

184

187

191

13

13

13

29.692 28.782 29.692 28.782 -

28.610 28.610 -

29.049 29.049 -

29.382 29.382 -

30.221 30.221 -

29.635 29.635 -

30.023 30.023 0

30.320 31.467 30.320 31.467 0 0

30.741 30.741 0

29.394 29.394 0

30.155 31.009 30.155 31.009 0 0


4.249 4.249

3.540 3.540

3.530 3.530

3.635 3.635

3.527 3.527

3.518 0 3.518

3.595 0 3.595

5.916 0 5.916

5.955 5.988 0 0 5.955 5.988


0

163

2.074 2.074

3.991 3.991

0

13

6.235 0 6.235

3.578 0 3.578

1

2

95.020 93.608 94.782 93.365 226 229 12

14




Tabel 1.22 Kinerja Bank Umum (Commercial Banks Performance) Miliar Rp (Billion Rp) 2010 Indikator CAR (%) • Modal • ATMR CAR (%) - Termasuk Risiko Operasional • Modal • ATMR KAP • APYD terhadap Aktiva Produktif (%) - APYD - Total Aktiva Produktif • PPAPYD terhadap PPAPWD (%)

2005 2006 2007 2008 2009 19,30 144.470 748.541

Apr

Mei

Jun

Jul

19,18 18,90 18,06 18,29 21,27 19,30 16,76 17,42 183.391 211.176 238.270 268.601 286.896 286.239 281.923 288.629 862.145 1.094.196 1.421.448 1.541.598 1.496.158 1.514.283 1.561.219 1.578.325

Des

Feb

Jan

Indicator

Apr

-

-

-

-

-

-

-

- CAR (%) - • Capital - • Risk Weighted Assets

16,44

16,52

16,99

16,90

18,07

17,57

17,76 CAR (%) - Included Operasional Risk 381.060 • Capital 2.145.089 • Risk Weighted Assets

-

17,18

17,38

-

-

-

-

- 293.059 286.931 285.869 291.863 295.554 301.321 308.131 314.512 323.246 - 1.626.378 1.611.908 1.625.994 1.747.450 1.797.790 1.824.338 1.813.567 1.860.578 1.881.533

357.448 2.056.076

4,70

3,91

3,03

2,95

2,71

Mar

-

-

2,77

16,70

Nov

-

2,86

17,58

Okt

-

2,76

17,80

Sep

-

2,83

18,02

Ags

2011

2,72

2,68

2,67

2,71

2,36

2,51

68.347 71.617 71.014 69.620 70.504 70.407 71.594 72.706 65.071 62.980 61.191 56.025 66.144 69.856 1.339.752 1.565.103 1.851.990 2.242.282 2.464.256 2.472.593 2.506.945 2.566.145 2.567.905 2.595.958 2.630.445 2.686.327 2.682.253 2.762.578 155,15 146,80 138,43 135,44 147,72 129,87 137,91 134,29 130,69 127,25 126,88 193,95 168,12 157,55

69.255 2.760.051 127,62

372.758 373.821 2.063.330 2.127.460

2,63

2,48

2,56

72.616 69.691 2.758.567 2.814.592 129,08 123,25

71.735 2.799.829 134,48

- PPAPYD

43.210

47.918

49.137

64.068

77.526

83.179

77.417

77.310

79.628

79.761

79.758

81.658

80.123

76.924

60.030

76.852

76.574

77.526

- PPAPWD

33.957

37.767

25.335

38.108

49.208

53.613

52.735

55.849

58.793

53.994

61.415

59.210

59.666

58.860

47.196

59.538

62.128

57.650

3,02 2,98 3,00 2,97 2,94 2,91 2,94 2,93 2,86 2,55 2,64 2,78 2,33 2,60 30.601 40.555 49.859 48.158 61.784 75.164 74.612 75.545 75.450 74.925 74.748 75.820 76.167 75.157 1.201.039 1.538.821 1.792.481 2.067.044 2.372.152 2.489.981 2.502.529 2.521.460 2.536.867 2.548.941 2.564.646 2.578.518 2.597.157 2.625.033 89,50 86,98 84,05 88,59 86,63 90,01 90,02 90,47 85,63 85,36 86,26 85,93 85,54 86,14

2,97 86.381 2.912.525 118,24

2,86 3,07 83.410 90.043 2.913.767 2.936.721 86,07 85,00

3,01 88.659 2.949.533 84,46

Rentabilitas • ROA (%) - Laba (Profit) - Rata-rata total aset • BOPO (%) - Biaya Operasional - Pendapatan Operasional Likuiditas • Aktiva terhadap Pasiva Likuid (%) • LDR (%) - Kredit (Credits) - Dana Pihak Ketiga

143.881 160.762

184.826 212.499

184.617 219.653

232.170 262.061

258.311 298.180

136.827 152.013

169.356 188.136

216.996 239.857

167.841 196.015

188.627 220.966

218.202 252.950

243.930 283.856

265.145 309.976

295.422 342.937

37.213 31.471

57.887 67.253

78.549 92.407

2,64

3,06

3,55

4,49

4,03

3,44

3,76

3,50

3,57

4,10

4,41

3,69

3,83

3,99

4,02

3,56

3,40

74,70 75,71 75,31 76,39 78,01 77,06 76,73 76,78 75,21 59,66 61,56 66,32 74,58 72,88 695.648 792.297 1.002.012 1.307.688 1.437.930 1.448.309 1.492.224 1.541.319 1.551.416 1.591.914 1.610.033 1.624.725 1.653.842 1.710.677 1.166.065 1.287.102 1.510.834 1.753.292 1.973.042 1.938.823 1.970.971 2.046.553 2.030.918 2.040.640 2.089.343 2.117.444 2.154.055 2.274.489

75,48 1.689.163 2.238.035

Ket : Data tidak termasuk BUS (mulai April 2010), data kinerja BUS disajikan pada tabel 2.13

77,11 76,83 1.715.612 1.754.235 2.224.826 2.283.375

Earning assets Quality • Classified Earning assets to Earning assets (%) - Classified Earning assets - Total Earning assets • Earning Assets Write-off Reserve / Mandatory Earning assets Write-off Reserve (%) - Earning assets Write-off Reserve) - Mandatory Earning assets Write-off Reserve

Profitability • ROA (%) - Profit - Average Assets • Operations Expenses / Operations Income (%) 103.437 - Operations Expenses 122.465 - Operations Income

Likuidity • Liquid assets to liquid liabilities ratio 78,40 • LDR (%) 1.781.879 - Credits 2.272.766 - Third Party Funds 3,42

Note : Excluding Sharia Banks (starting April 2010), Sharia Banks Performance on table 2.13

25



Tabel 1.23 Kinerja Bank Persero (State Owned Banks Performance) Miliar Rp (Billion Rp) 2010 Indikator CAR (%) • Modal • ATMR

2005 2006 2007 2008

Apr

Mei

Jun

Jul

Ags

2011 Sep

Okt

Nov

Des

Jan

Feb

Mar

Indicator

Apr

21,20 62.577 295.153

17,85 67.263 376.844

14,31 68.757 480.330

13,81 77.893 563.841

15,37 88.213 573.828

15,13 84.150 556.196

14,31 83.554 583.980

15,16 85.932 566.983

-

-

-

-

-

-

-

-

- CAR (%) • Capital • Risk Weighted Assets

-

-

-

-

-

14,46

14,17

14,19

13,80

13,45

14,04

14,27

14,89

15,36

16,33

17,93

17,47

-

-

-

-

-

90.390 625.070

84.468 596.023

84.970 598.637

84.863 615.047

84.299 626.836

87.291 621.932

90.399 633.378

95.737 643.032

101.472 660.561

116.519 713.572

128.514 716.769

128.208 733.734

17,56 CAR (%) - Included Operasional Risk 131.515 • Capital 749.011 • Risk Weighted Assets

7,96

6,55

4,59

3,33

3,03

2,95

3,20

3,11

3,01

3,07

2,99

3,02

3,39

2,64

2,94

3,19

2,90

2,99

42.347 532.254 131,76

38.096 581.590 131,12

31.383 683.347 266,35

27.388 823.508 258,87

29.037 958.452 151,62

27.643 936.809 202,26

30.039 938.396 211,39

30.250 971.295 160,97

28.703 954.742 169,53

29.550 961.775 196,40

28.928 967.857 151,93

29.833 987.192 177,80

32.471 30.474 1.018.578 1.049.921 150,79 151,29

31.269 1.044.599 153,95

- PPAPYD

28.093

29.480

27.665

28.965

36.087

37.135

38.228

37.128

38.085

38.897

38.217

39.723

40.416

38.226

38.247

38.176

38.035

38.783

- PPAPWD

21.321

22.483

10.387

11.189

23.800

18.360

18.084

23.065

22.465

19.804

25.155

22.342

26.762

23.347

23.897

25.317

25.141

25.192

2,54 13.471 529.689 95,17

2,22 12.776 574.323 97,05

2,76 17.887 647.872 90,68

2,72 19.979 734.720 89,92

2,71 23.258 858.353 92,35

2,95 27.994 947.470 87,25

2,87 27.204 946.820 85,72

2,96 28.194 951.414 89,32

3,03 28.853 952.633 84,95

3,00 28.627 952.973 85,20

3,02 28.838 955.405 87,99

3,06 29.349 958.526 87,47

3,13 30.103 962.777 86,81

3,08 3,32 30.003 35.881 975.505 1.081.825 88,23 173,89

3,67 3,82 39.286 41.208 1.070.630 1.078.549 84,51 87,93

3,76 40.642 1.080.569 86,89

71.333 74.957

72.383 74.585

67.776 74.745

77.148 85.799

94.645 102.480

32.980 37.798

40.310 47.027

63.551 71.148

56.762 66.822

65.490 76.863

76.765 87.248

84.242 96.307

91.554 105.465

105.127 119.152

19.711 11.335

19.971 23.631

32.182 36.601

2,56

3,17

3,58

4,15

3,96

3,64

3,71

3,57

3,71

4,16

4,83

4,16

4,34

4,43

4,30

3,77

3,73

51,04 256.413 502.374

59,93 287.910 480.394

62,37 356.151 571.008

70,27 470.665 669.827

69,55 544.870 783.384

74,97 557.986 744.237

76,53 570.164 745.012

75,63 588.755 778.439

77,63 589.895 759.868

79,18 601.865 760.114

78,23 605.795 774.385

77,99 610.383 782.626

77,89 621.691 798.125

71,54 642.718 898.405

74,30 629.622 847.453

77,88 637.831 819.032

77,67 656.897 845.763

CAR (%) - Termasuk Risiko Operasional • Modal • ATMR KAP • APYD terhadap Aktiva Produktif (%) - APYD - Total Aktiva Produktif • PPAPYD terhadap PPAPWD (%)


19,43 58.904 303.098

2009


26

33.527 27.750 30.434 988.878 1.049.282 1.036.013 151,02 163,73 160,05



Likuidity • Liquid assets to liquid liabilities ratio 79,83 • LDR (%) 665.361 - Credits 833.443 - Third Party Funds 3,77




Tabel 1.24 Kinerja BUSN Devisa (Foreign Exchange Commercial Banks Performance) Miliar Rp (Billion Rp) 2010 Indikator CAR (%) • Modal • ATMR

2005 2006 2007 2008

2009

Apr

Mei

Jun

Jul

Ags

2011 Sep

Okt

Nov

Des

Feb

Jan

Mar

Indicator

Apr

16,92 42.384 250.453

19,84 70.049 353.108

18,21 82.094 450.710

14,82 85.315 575.699

16,61 100.158 603.116

19,20 107.193 558.228

18,65 107.041 573.882

17,88 105.072 587.546

17,05 108.258 634.821

-

-

-

-

-

-

-

-

- CAR (%) - • Capital - • Risk Weighted Assets

-

-

-

-

-

17,83

17,36

16,77

15,72

15,65

15,95

16,24

15,82

15,76

16,11

16,07

15,59

-

-

-

-

-

106.463 597.182

105.966 610.397

105.919 631.767

110.810 704.674

113.577 725.663

116.449 729.919

118.631 730.433

119.021 752.431

119.559 758.511

131.955 818.870

134.699 838.285

133.022 853.368


2,28

2,43

2,03

2,97

2,73

2,84

2,73

2,59

2,59

2,54

2,54

2,46

2,45

2,27

2,34

2,44

2,34

2,43

11.443 500.822 126,10

14.486 596.214 123,48

14.218 700.622 141,48

24.426 821.136 121,45

24.591 899.511 223,02

26.773 943.339 121,24

25.264 925.408 122,93

24.498 947.235 148,84

24.917 963.051 122,86

24.876 980.303 127,90

25.156 25.069 25.072 23.849 991.613 1.018.931 1.024.939 1.049.697 122,53 122,95 126,38 115,50

24.733 1.056.510 113,35

25.969 1.065.155 122,55

25.118 1.072.398 109,49

25.869 1.066.022 120,95

- PPAPYD

7.576

10.621

11.334

21.335

25.460

24.992

25.075

25.996

27.046

26.086

25.994

26.199

26.113

25.251

24.983

25.184

25.079

25.129

- PPAPWD

6.008

8.601

8.011

17.568

11.416

20.614

20.397

17.465

22.014

20.395

21.215

21.309

20.663

21.863

22.040

20.549

22.905

20.775

2,17 8.055 370.434 88,31

2,35 14.038 596.617 82,53

2,44 17.040 699.122 81,85

1,25 10.076 807.788 93,76

2,20 19.616 889.789 86,27

2,70 25.128 931.569 86,04

2,72 25.566 939.572 88,22

2,68 25.453 948.070 87,51

2,66 25.415 956.787 88,09

2,65 25.621 965.485 86,86

2,64 25.695 974.491 86,73

2,62 25.740 983.699 86,70

2,61 2,58 25.957 25.959 994.257 1.006.426 85,89 85,53

2,47 28.270 1.145.121 85,61

2,09 24.030 1.150.866 84,67

2,28 26.375 1.157.575 83,96

2,26 26.256 1.163.614 83,16

38.816 43.952

65.603 79.491

66.931 81.770

91.874 97.989

99.540 115.378

31.405 36.498

41.130 46.620

51.102 58.395

65.208 74.028

71.903 82.778

83.976 96.823

95.678 110.358

103.469 120.463

112.674 131.734

8.851 10.339

16.792 19.833

25.198 30.011

2,20

2,92

3,67

5,25

4,02

3,09

3,76

3,19

3,36

3,92

4,31

3,36

3,43

3,42

3,76

3,33

2,87

73,27 277.591 378.877

60,03 315.256 525.177

67,18 407.742 606.932

74,72 524.295 701.710

71,14 555.617 755.441

71,40 542.861 789.799

71,81 562.230 760.270

72,67 583.530 782.952

73,00 593.406 802.933

74,38 613.181 812.864

73,38 619.748 844.618

72,57 626.921 863.917

72,47 642.693 886.870

73,16 673.076 920.009

71,74 661.801 922.489

73,61 679.731 923.455

73,24 690.745 943.160








27



Tabel 1.25 Kinerja BUSN Non Devisa (Non-Foreign Exchange Commercial Banks Performance) Miliar Rp (Billion Rp) 2010 Indikator CAR (%) • Modal • ATMR

2005 2006 2007 2008

2009

Apr

Mei

Jun

Jul

Ags

2011 Sep

Okt

Nov

Des

Jan

Feb

Mar

Indicator

Apr

15,32 2.114 13.802

19,27 3.459 17.951

23,14 5.020 21.694

24,44 5.832 23.858

19,01 6.740 35.451

21,92 6.013 27.429

16,80 6.028 35.878

15,74 5.841 37.112

22,44 6.662 29.686

-

-

-

-

-

-

-

-


-

-

-

-

-

20,98

20,58

19,61

20,35

15,95

15,57

19,66

19,15

18,91

21,79

21,85

17,60

-

-

-

-

-

6.221 29.649

6.265 30.440

6.169 31.464

6.768 33.261

6.822 42.760

6.707 43.063

6.790 34.545

6.826 35.639

8.381 44.309

8.968 41.149

9.010 41.234

9.167 52.088


3,92

2,90

1,96

1,61

2,02

2,35

2,11

2,02

2,09

2,23

2,24

2,27

2,20

2,05

2,23

2,32

2,08

2,09

722 18.404 121,91

757 26.141 177,72

677 34.610 144,47

608 37.729 184,60

1.017 50.318 147,74

1.221 51.925 137,63

1.010 47.934 198,04

1.016 50.181 165,82

1.061 50.678 199,16

1.150 51.575 140,65

1.211 54.098 167,64

1.244 54.878 172,75

1.195 54.340 185,35

1.192 58.074 126,86

1.262 56.718 127,83

1.312 56.485 145,59

1.233 59.354 115,12

1.257 60.002 117,38

- PPAPYD

415

500

643

692

1.003

1.036

1.035

1.226

1.262

1.293

1.243

1.347

1.356

1.335

1.236

1.237

1.185

1.153

- PPAPWD

340

282

445

375

679

753

523

739

634

920

742

780

732

1.052

967

850

1.029

982

0,96 182 18.952 97,48

2,08 531 25.572 92,25

2,99 991 33.119 83,58

2,20 865 39.379 86,73

1,35 628 46.600 95,02

1,90 926 48.639 91,02

2,07 1026 49.562 90,11

1,39 701 50.364 93,66

1,55 793 51.215 92,57

1,57 815 51.961 92,18

1,35 714 52.804 92,88

1,52 813 53.580 91,94

1,76 958 54.288 90,36

1,82 1.005 55.248 89,91

3,04 1.972 64.770 96,82

3,18 2.054 64.520 88,58

3,25 2.126 65.502 85,51

3,23 2.157 66.742 83,97

2.408 2.471

3.854 4.178

4.369 5.227

5.078 5.854

7.307 7.689

2.545 2.796

3.196 3.547

4.012 4.284

4.687 5.063

5.409 5.868

6.070 6.535

6.835 7.435

7.531 8.334

8.252 9.178

828 855

1.455 1.642

2.156 2.521

1,54

2,49

2,08

2,25

2,35

2,86

2,81

3,05

3,11

3,06

3,08

2,77

2,89

2,77

2,88

2,87

2,73

82,48 16.842 20.419

78,26 19.114 24.423

78,26 23.863 30.491

81,66 27.122 33.213

81,17 35.700 43.980

82,47 33.332 40.419

84,02 34.938 41.582

81,08 35.466 43.744

81,45 36.017 44.218

82,38 36.982 44.895

81,22 37.861 46.617

79,81 37.995 47.610

80,37 38.788 48.262

79,11 39.764 50.263

82,47 40.459 49.056

84,40 41.092 48.686

83,70 42.549 50.833




28







Tabel 1.26 Kinerja BPD (Regional Development Banks Performance) Miliar Rp (Billion Rp) 2010 Indikator CAR (%) • Modal • ATMR

2005 2006 2007 2008 2009

Apr

Sep

Okt

Nov

Des

Feb

Jan

Mar

Indicator

Mei

Jun

Jul

Apr

16,36 20.906 127.817

15,59 20.659 132.546

16,81 22.162 131.857

-

-

-

-

-

-

-

-

- CAR (%) • Capital • Risk Weighted Assets 15,58 CAR (%) - Included Operasional Risk 27.959 • Capital 179.499 • Risk Weighted Assets

19,24 9.180 47.725

19,12 11.586 60.591

18,35 14.224 77.533

16,82 17.025 101.190

-

-

-

-

-

15,68

16,16

16,78

15,92

16,21

14,83

15,62

15,85

16,68

16,73

17,32

16,04

-

-

-

-

- 22.609 - 144.227

21.538 133.241

20.986 125.042

22.786 143.121

23.549 145.244

23.290 157.063

23.939 153.298

24.515 154.707

25.088 150.390

29.655 177.242

29.393 169.754

28.736 179.171

1,16

0,81

0,99

1,00

1,71

1,84

1,82

1,75

1,86

1,76

1,79

1,95

1,66

1,92

1,89

1,87

2,00

984 85.078 111,47

1.075 131.845 143,57

1.393 140.981 105,63

1.661 166.823 110,82

2.520 3.598 181.225 210.541 115,83 90,10

3.816 206.960 95,18

3.833 210.718 88,47

3.832 219.027 114,99

4.002 215.478 151,59

4.014 227.690 101,89

4.134 230.879 95,12

4.170 213.326 139,70

3.466 209.002 98,50

4.080 212.005 96,83

4.262 225.126 97,79

4.346 231.845 100,48

4.609 229.956 135,40

- PPAPYD

1.236

1.570

1.906

2.499

3.147

3.608

3.641

3.637

3.856

3.939

3.907

3.901

4.083

3.895

4.014

4.195

4.188

4.378

- PPAPWD

1.109

1.094

1.804

2.255

2.717

4.004

3.826

4.111

3.353

2.599

3.835

4.101

2.923

3.955

4.145

4.290

4.169

3.234

3,38 2.952 87.236 76,17

3,38 4.557 134.622 76,15

3,08 5.155 167.279 76,06

3,70 6.569 177.394 73,04

3,65 4,75 7.399 10.133 202.904 213.335 73,64 75,22

4,69 10.092 215.085 74,23

4,72 10.329 218.889 72,75

4,57 10.144 221.893 73,02

4,34 9.706 223.600 74,55

4,30 9.733 226.136 74,06

4,32 9.868 228.208 73,89

4,19 9.610 229.499 74,54

3,82 8.805 230.303 77,65

4,13 10.112 245.015 71,75

3,62 9.136 252.691 72,58

3,83 9.851 257.529 71,70

3,67 9.541 260.247 74,19

8.831 11.594

13.403 17.599

14.652 19.264

16.510 22.606

18.687 25.375

7.484 9.950

9.186 12.375

10.842 14.903

12.934 17.713

15.103 20.257

16.981 22.927

19.019 25.741

21.155 28.379

24.125 31.070

1.819 2.535

3.636 5.010

5.631 7.853

8,68

6,26

7,74

8,91

11,08

8,94

9,83

9,43

8,54

10,26

8,81

8,37

9,41

10,80

10,19

8,36

8,64

46,96 44.931 95.688

43,33 55.955 129.141

53,53 71.881 134.287

67,28 96.385 143.262

79,31 69,18 120.754 127.329 152.251 184.041

70,71 129.472 183.098

66,81 132.740 198.673

68,15 135.688 199.091

71,01 138.023 194.370

68,30 139.450 204.169

69,65 142.040 203.924

73,23 143.956 196.571

78,26 143.707 183.624

73,12 143.395 196.117

69,30 145.945 210.593

68,96 149.427 216.693



15,82 17,14 20.366 21.899 128.744 127.783

Ags

2011

1,39






29



Tabel 1.27 Kinerja Bank Campuran (Joint Venture Banks Performance) Miliar Rp (Billion Rp) 2010 Indikator CAR (%) • Modal • ATMR

2005 2006 2007 2008

2009

Apr

Mei

Jun

Jul

Ags

2011 Sep

Okt

Nov

Des

Jan

Feb

Mar

Indicator

Apr

28,78 11.476 39.878

30,78 12.664 41.151

28,22 15.920 56.416

24,95 19.266 77.216

27,04 22.002 81.375

28,59 23.840 83.389

27,49 24.184 87.985

26,27 24.441 93.028

25,86 22.499 86.993

-

-

-

-

-

-

-

-


-

-

-

-

-

27,43

26,35

25,28

23,98

23,02

23,47

22,67

22,65

23,34

21,82

23,28

23,09

-

-

-

-

-

24.322 88.654

24.467 92.870

24.764 97.963

22.962 95.765

23.065 100.193

24.100 102.663

23.328 102.881

23.395 103.269

23.468 100.551

24.465 112.117

25.398 109.106

25.931 112.300


3,56

3,10

2,17

1,79

2,06

2,05

1,97

2,04

2,01

1,94

1,96

1,94

1,90

1,94

1,92

1,99

1,89

1,95

2.267 63.588 114,72

2.118 68.277 113,96

2.054 94.740 126,44

2.242 125.190 105,92

2.877 139.962 125,76

2.873 140.215 95,30

2.868 145.505 113,29

3.110 152.669 89,40

2.834 141.131 95,28

2.807 144.478 99,87

2.948 150.267 105,52

2.889 149.087 104,47

2.918 153.299 98,83

2.983 153.417 96,44

2.942 152.854 86,62

2.949 148.059 100,34

2.861 151.331 90,84

2.908 149.128 93,87

- PPAPYD

1.819

1.470

1.527

2.009

2.183

2.219

2.241

2.331

2.186

2.292

2.603

2.557

2.537

2.614

2.532

2.463

2.473

2.466

- PPAPWD

1.586

1.290

1.208

1.897

1.736

2.328

1.978

2.608

2.294

2.295

2.467

2.448

2.567

2.711

2.924

2.455

2.722

2.628

3,31 1.888 56.968 74,92

3,72 2.185 58.670 79,05

3,06 2.405 78.492 79,78

2,87 2.901 101.022 83,57

2,32 3.067 131.969 84,50

2,26 3.057 135.404 85,23

2,27 3.082 136.021 87,55

2,28 3.136 137.739 81,40

2,10 2.728 129.898 82,09

2,10 2.758 131.116 83,09

2,08 2.761 132.454 84,20

2,21 2.896 131.275 82,69

2,14 2.839 132.797 82,77

2,03 2.725 134.111 84,10

2,40 3.610 150.234 93,48

2,07 3.015 145.488 96,58

2,20 3.232 146.822 87,19

2,15 3.161 146.846 85,79

4.528 6.043

6.213 7.860

7.601 9.528

12.268 14.681

13.328 15.772

4.139 4.856

5.964 6.813

6.074 7.462

7.134 8.690

7.549 9.085

9.192 10.917

9.816 11.871

10.720 12.953

12.305 14.631

1.748 1.870

9.422 9.756

4.003 4.591

0,60

0,51

0,49

0,64

0,80

0,81

0,92

0,84

0,87

1,02

1,03

0,90

0,85

0,92

0,96

0,97

0,96

76,82 36.937 48.079

113,66 40.833 35.927

106,53 58.520 54.934

98,63 75.849 76.902

85,45 80.977 94.761

95,48 84.391 88.384

96,26 88.165 91.590

95,68 94.779 99.058

96,42 88.693 91.985

99,35 92.476 93.078

100,07 95.106 95.037

98,69 95.937 97.214

98,44 95.764 97.279

100,61 98.408 97.812

100,84 98.187 97.368

98,07 93.958 95.811

98,84 96.190 97.315




30







Tabel 1.28 Kinerja Bank Asing (Foreign Owned Banks Performance) Miliar Rp (Billion Rp) 2010 Indikator CAR (%) • Modal • ATMR

2005 2006 2007 2008 2009

Apr

Mei

Jun

Jul

Ags

2011 Sep

Okt

Nov

Des

Feb

Jan

Mar

Indicator

Apr

21,94 19.448 88.645

24,48 23.057 94.192

24,01 26.655 111.000

29,06 41.031 141.205

32,11 41.443 129.071

31,66 39.737 125.500

33,15 43.929 132.524

33,35 42.356 127.007

33,69 43.116 127.986

-

-

-

-

-

-

-

-

-

CAR (%) • Capital • Risk Weighted Assets

-

-

-

-

-

30,41

29,70

30,51

28,07

28,16

25,62

28,32

26,25

27,08

23,76

24,31

24,76

25,43

-

-

-

-

-

43.053 141.596

44.227 148.937

43.063 141.121

43.676 155.582

44.242 157.095

43.484 169.697

45.044 159.032

45.019 171.500

45.279 167.210

45.886 193.127

45.743 188.182

48.757 196.936

49.491 194.633

CAR (%) - Included Operasional Risk • Capital • Risk Weighted Assets

3,82

2,89

3,19

3,67

4,18

3,56

3,55

3,55

3,46

3,35

3,42

3,43

2,39

2,40

2,36

2,30

2,26

2,35

5.108 133.870 113,73

4.659 161.035 106,43

6.300 197.690 174,18

9.819 267.897 173,95

9.814 234.787 108,87

8.425 236.800 187,85

8.620 242.741 90,77

8.308 234.047 88,95

8.284 239.275 89,54

8.129 242.349 90,88

8.169 238.919 97,39

8.426 245.368 96,37

5.915 247.683 93,33

5.831 243.313 94,43

5.806 246.159 92,40

5.657 245.506 92,10

5.663 250.090 91,12

5.897 250.470 116,06

- PPAPYD

3.952

4.276

6.061

8.567

9.646

14.189

7.196

6.992

7.193

7.254

7.793

7.931

5.617

5.602

5.597

5.597

5.615

5.616

- PPAPWD

3.475

4.018

3.480

4.925

8.860

7.554

7.927

7.861

8.033

7.982

8.002

8.230

6.019

5.933

6.057

6.077

6.162

4.839

2,90 3.849 132.524 82,80

4,35 6.468 148.597 81,18

3,83 6.380 166.598 79,98

3,89 7.767 199.670 83,38

3,54 7.816 220.809 78,78

3,71 7.925 213.564 96,94

3,55 7.641 215.469 96,96

3,60 7.732 214.983 97,31

3,49 7.518 215.380 89,10

3,43 7.398 215.877 88,73

3,24 7.008 216.310 88,48

3,30 7.154 216.889 88,17

3,08 6.700 217.774 89,33

3,05 6.660 218.155 88,61

2,90 6.536 225.560 93,79

2,60 5.889 226.865 89,58

3,17 7.251 228.939 86,61

3,00 6.903 230.162 87,28

17.136 20.695

23.370 28.786

23.289 29.119

29.292 35.132

24.805 31.486

58.274 60.115

69.570 71.754

81.416 83.664

21.115 23.699

23.173 26.115

25.217 28.500

28.340 32.143

30.714 34.382

32.939 37.173

4.256 4.537

6.611 7.380

9.380 10.830

12.767 14.627

2,01

0,68

0,68

0,93

0,91

0,76

0,75

0,73

0,72

0,93

0,93

0,76

0,81

0,94

0,94

0,82

0,78

0,77

54,89 62.935 114.658

79,56 73.230 92.040

74,09 83.856 113.182

88,31 113.372 128.377

85,05 100.011 117.594

84,31 102.410 121.473

84,63 107.254 126.736

85,73 106.049 123.707

87,65 107.718 122.893

88,35 109.387 123.813

90,01 112.073 124.517

91,24 111.449 122.153

87,40 110.950 126.948

90,86 113.004 124.376

92,15 115.700 125.551

91,99 117.054 127.249

91,37 118.427 129.612

93,63 118.757 126.831




Earning assets Quality • Classified Earning assets to Earning assets (%) - Classified Earning assets - Total Earning assets • Earning Assets Write-off Reserve / Mandatory Earning assets Write-off Reserve (%) - Earning assets Write-off Reserve) - Mandatory Earning assets Write-off Reserve Profitability • ROA (%) - Profit - Average Assets • Operations Expenses / Operations Income (%) - Operations Expenses - Operations Income Likuidity • Liquid assets to liquid liabilities ratio • LDR (%) - Credits - Third Party Funds


31



Tabel 1.29 Rasio Kinerja Lainnya (Other Performance Ratio) Persen (Percent) 2010 Indikator

2011

2005 2006 2007 2008 2009 Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Indicator Net Interest Margin (NIM)

Net Interest Margin (NIM) • Bank Persero

5,78

5,77

6,03

6,07

5,81

6,40

6,31

6,26

6,28

6,26

6,12

6,10

6,09

6,11

5,69

5,70

6,69

6,51

• State Owned Banks

• BUSN Devisa

5,24

5,67

5,43

5,32

5,64

5,24

5,25

5,31

5,30

5,30

5,40

5,39

5,40

5,35

5,44

5,29

5,27

5,32

• Foreign Exchange

• BUSN Non Devisa

5,35

6,80

7,98

7,25

7,97

9,70

9,46

9,48

9,49

9,47

9,20

9,11

9,24

9,10

8,49

8,66

8,74

8,87

• Non-Foreign Exchange

• BPD Regional

9,56

8,20

7,24

8,52

7,88

9,03

8,96

8,90

8,95

8,86

8,77

8,75

8,72

8,74

8,50

8,14

8,18

8,28

• Development Banks

• Bank Campuran

3,81

4,59

4,03

3,75

3,77

3,74

3,76

3,77

3,75

3,79

3,82

3,82

3,81

3,83

4,16

4,06

4,01

4,03

• Joint Venture Banks

• Bank Asing

4,78

4,91

4,70

4,29

3,78

3,60

3,66

3,68

3,50

3,53

3,55

3,50

3,54

3,54

3,47

3,66

3,62

3,49

• Foreign Owned Banks

• Bank Umum

5,63

5,80

5,70

5,66

5,56

5,83

5,79

5,80

5,78

5,77

5,75

5,73

5,74

5,73

5,59

5,53

5,88

5,84

• Commercial Banks

Commercial Banks Commercial Banks

32



Tabel 1.30 Jumlah Bank Umum Berdasarkan Tingkat Rasio (Commercial Bank Based on Ratios) 2010 Indikator

2005 2006 2007 2008 2009

Apr

Mei

Jun

Jul

Ags

2011 Sep

Okt

Nov

Jan1)

Des

Feb

Mar

Indicator

Apr

Modal Inti

Tier One Capital

<100 miliar

44

39

30

22

11

7

7

5

4

5

5

2

-

-

-

-

-

-

<100 billion

>100 miliar

87

91

100

102

110

106

106

108

108

107

107

109

111

111

111

110

110

110

>100 billion

<12%

12

13

14

11

12

10

10

8

11

10

13

10

11

7

5

5

10

9

>12%

119

117

116

113

109

103

103

105

101

102

99

101

100

104

106

105

100

101

CAR

Capital Adequacy Ratio

NPL

<12% >12% Non Performing Loan Ratio

<5%

100

100

108

105

107

99

99

101

99

99

98

95

98

96

95

96

95

98

>5%

31

30

22

19

14

14

14

12

13

13

14

16

13

15

16

14

15

12

ROA

<5% >5% Return on Asset Ratio

<1,5%

41

47

46

41

42

30

30

30

29

30

31

30

29

34

41

47

36

35

<1,5%

>1,5%

90

83

84

83

79

83

83

83

83

82

81

81

82

77

70

63

74

75

>1,5%

<50%

25

29

20

9

11

8

7

7

6

7

7

6

6

5

6

5

8

8

<50%

>50%

106

101

110

115

110

105

106

106

106

105

105

105

105

106

105

105

102

102

>50%

LDR

Loan to Deposit Ratio

Ket : Tidak termasuk BUS, jumlah BUS berdasarkan tingkat rasio disajikan pada tabel 2.14 1) Termasuk PT. Bank OCBC Indonesia yang telah merger dengan PT. Bank OCBC NISP, Tbk, tanggal 22 Desember 2010

Note : Excluding Sharia Banks, Sharia Banks amount based on ratios shown in the table 2.14 1) Including PT. Bank OCBC Indonesia, which has been merged with PT. Bank OCBC NISP, Tbk, dated December 22, 2010

33



Tabel 1.31 Perkembangan Aset Bank Umum (Growth of Commercial Bank Assets) Miliar Rp (Billion Rp) Kelompok Bank

2010 2005 2006 2007 2008 2009

2011

Apr

Mei

Jun

Jul

Ags

Sep

Okt

944.216

974.384

959.952

957.180

974.858

Nov

Des

Jan

Feb

Mar

Group of Bank

Apr

Bank Persero

565.585

621.212

741.988

847.563

979.078

957.337

986.613 1.005.481 1.115.519

1.081.825 1.059.435 1.094.387

1.086.629

State Owned Banks

BUSN Devisa

571.231

663.002

768.730

883.470

958.549

989.409 1.015.591 1.036.817 1.063.062 1.080.528 1.102.984 1.123.606 1.158.924 1.203.370

1.209.516 1.220.500 1.239.689

1.249.248

Foreign Exchange Commercial

26.283

29.657

39.012

42.467

55.762

Banks BUSN Non Devisa

57.727

59.883

70.265

66.484

67.835

70.881

72.247

73.401

78.485

77.092

76.986

80.424

82.726

Non-Foreign Exchange Commercial Banks

BPD

106.411

159.476

170.012

185.252

200.542

224.377

222.088

237.912

239.920

235.574

246.419

247.621

242.442 239.141

245.015

260.368

267.204

268.400

Regional Development Banks

59.639

64.421

90.480

118.131

135.675

134.000

138.486

146.331

136.164

139.644

143.155

144.225

149.401 149.990

151.721

147.676

151.036

148.387

Joint Venture Banks

Bank Asing

140.679

156.083

176.278

233.674

204.502

213.384

223.088

212.556

217.878

219.422

219.770

222.104

226.625 222.347

225.560

228.171

233.087

233.702

Foreign Owned Banks

Total

1.469.827

1.693.850 1.986.501 2.310.557 2.534.106 2.576.235 2.603.352 2.678.265 2.683.461 2.700.183 2.758.066 2.796.418 2.856.274 3.008.853 2.990.729 2.993.135 3.065.827

3.069.093

Bank Campuran

34

Total



Tabel 1.32 Bank Umum Berdasarkan Total Aset (Commercial Banks Based on Total Assets) Desember 2006

Kelompok Bank

Desember 2007

< Rp. 1 Rp. 1 s.d. Rp. 10 s.d > Rp. 50 < Rp. 1 Rp. 1 s.d. Rp. 10 s.d > Rp. 50 Triliun 10 Triliun 50 Triliun Triliun Triliun 10 Triliun 50 Triliun Triliun

Desember 2008

Desember 2009

< Rp. 1 Rp. 1 s.d. Rp. 10 s.d > Rp. 50 < Rp. 1 Rp. 1 s.d. Rp. 10 s.d > Rp. 50 Triliun 10 Triliun 50 Triliun Triliun Triliun 10 Triliun 50 Triliun Triliun

April 2010

Desember 2010

< Rp. 1 Rp. 1 s.d. Rp. 10 s.d > Rp. 50 Triliun 10 Triliun 50 Triliun Triliun


April 2011

Group of Bank


Ju m l a h B a n k ( t o t a l b a n k s )

Bank Persero

0

1

1

3

0

0

2

3

0

0

2

3

0

0

0

4

0

0

0

4

0

0

0

4

0

0

0

4

State Owned Banks

BUSN Devisa

6

15

12

2

5

14

11

5

3

16

10

6

2

18

8

6

2

19

8

6

1

18

10

7

1

18

9

8

Foreign Exchange Commercial Banks

BUSN Non Devisa

28

8

0

0

26

9

1

0

24

8

1

0

21

9

1

0

21

8

1

0

21

8

2

0

21

9

1

0

Non-Foreign Exchange Commercial Banks

BPD

1

18

7

0

1

18

7

0

0

19

7

0

1

17

8

0

0

16

10

0

0

15

11

0

0

15

11

0

Regional Development Banks

Bank Campuran

2

14

1

0

0

15

2

0

1

8

6

0

1

8

7

0

1

8

7

0

1

7

7

0

1

6

7

0

Joint Venture Banks

Bank Asing

2

3

6

0

1

4

6

0

0

4

4

2

0

4

5

1

0

4

5

1

0

5

4

1

0

5

4

1

Foreign Owned Banks

Total

39

59

27

5

33

60

29

8

28

55

30

11

25

56

29

11

24

55

31

11

23

53

34

12

23

53

32

13

Total

35



Tabel 1.33 Peringkat Bank Umum Berdasarkan Aset (Bank Rating Based on Assets) Miliar Rp (Billion Rp) Desember 2006

Peringkat

Nama Bank (Bank Name)

Total Aset (Total Assets)

Desember 2007

Pangsa thd Total Aset Bank Umum (%) (Portion to Total Assets at Commercial Banks)



Desember 2008



Desember 2009





April 2010




Desember 2010 Pangsa thd Total Aset Bank Umum (%) (Portion to Total Assets at Commercial Banks)


April 2011

Pangsa thd Total Aset Bank Total Aset Umum (%) (Total Assets) (Portion to Total Assets at Commercial Banks)



Rating

1

PTBankMandiri Tbk

255.988

15,11

PTBankMandiri Tbk

306.563

15,43

PTBankMandiri Tbk

340.181

14,72

PTBankMandiri(Persero)Tbk

375.239

15,00

PTBankMandiri(Persero)Tbk

368.056

14,29 PTBankMandiri(Persero)Tbk

410.619

13,65 PTBankMandiri(Persero)Tbk

418.176

13,63

1

2

PTBankCentralAsiaTbk

177.611

10,49


218.615

11,01

PTBRITbk

250.134

10,83

PTBRI(Persero)Tbk.

318.447

12,73

PTBRI(Persero)Tbk

319.287

12,39 PTBRI(Persero)Tbk

395.396

13,14 PTBRI(Persero)Tbk

364.444

11,87

2

3

PTBNITbk

168.863

9,97

PTBRITbk

204.009

10,27


246.702

10,68

PT Bank Central Asia Tbk.

283.182

11,32

PT Bank Central Asia Tbk

285.231

11,07 PT Bank Central Asia Tbk

323.345


329.494

10,74

3

4

PTBRI

154.979

9,15

PTBNITbk

184.463

9,29

PTBNITbk

200.974

8,70

PTBNI(Persero),Tbk

226.911

9,07

PTBNI(Persero),Tbk

212.327

8,24 PTBNI(Persero),Tbk

241.169

8,02 PTBNI(Persero),Tbk

233.538

7,61

4

5

PTBankDanamonIndonesiaTbk

79.708

4,71


86.684

4,36


104.842

4,54

PTBankCimbNiaga,Tbk

106.889

4,27

PT Bank CIMB Niaga, Tbk

117.424

4,56 PT Bank CIMB Niaga, Tbk

142.932


146.104

4,76

5

6

PTBIITbk

48.316

2,85

PTBankNiagaTbk

54.733

2,76

PT CIMB Niaga Tbk

69.305

3,00


96.806

3,87


95.219

3,70 PTBankDanamonIndonesiaTbk

113.861

3,78 PTBankDanamonIndonesiaTbk

118.768

3,87

6

7

PTBankNiagaTbk

46.464

2,74

PTPanIndonesiaBankTbk

51.384

2,59


63.628

2,75

PTPanIndonesiaBank,Tbk

76.270

3,05

PTPanIndonesiaBank,Tbk

82.411

3,20 PTPanIndonesiaBank,Tbk

106.508

3,54 PTPanIndonesiaBank,Tbk

110.239

3,59

7

8


39.229

2,32

PTBIITbk

50.941

2,56

PTBankPermataTbk

54.220

2,35

PT BII Tbk

58.737

2,35

PTBankPermataTbk

60.763

2,36 PTBankPermataTbk

74.040

2,46 PTBankPermataTbk

82.040

2,67

8

9

Citibank N.A

38.169

2,25

Citibank N.A

45.021

2,27

PTBIITbk

54.068

2,34

PT BTN (Persero)

58.481

2,34

PT BII Tbk

60.269

2,34 PT BII Tbk

72.030

2,39 PT BII Tbk

74.307

2,42

9

10

PTBankPermataTbk

37.869

2,24

PTBankPermataTbk

39.131

1,97

Citibank N.A

53.503

2,32

PTBankPermataTbk

56.213

2,25

PT BTN (Persero)

57.667

2,24 PTBTN(Persero),Tbk

68.334

2,27 PTBTN(Persero),Tbk

70.471

2,30

10

1.047.196

61,82

Total

1.241.544

62,50

Total

1.437.557

62,22

Total

1.657.176

66,24

Total

1.947.580

63,46

Total

36

1.658.653

64,38 Total

1.948.234

64,75 Total



Tabel 1.34 Aktiva Produktif Bank Umum (Earning Assets of Commercial Banks) Miliar Rp (Billion Rp) 2010 Indikator Aktiva Produktif a. Lancar b. DPK c. Kurang Lancar d. Diragukan e. Macet Non Performing Earning Asset (Nominal) Rasio Non Performing Earning Asset (%) Kredit a. Lancar b. DPK c. Kurang Lancar d. Diragukan e. Macet Non Performing Loan (Nominal) Rasio Non Performing Loan (%)

2005 2006 2007 2008 2009

Apr

Mei

Jun

Jul

Ags

2011 Sep

Okt

1.339.752 1.565.103 1.851.990 2.242.282 2.464.256 2.519.629 2.554.073 2.622.523 2.626.125 2.655.514 2.691.238 2.748.821 1.216.190 1.446.264 1.742.691 2.108.571 2.321.463 2.370.632 2.397.919 2.469.467 2.475.979 2.501.832 2.536.267 2.592.740 64.863 67.604 65.257 80.607 86.232 93.043 97.630 94.251 94.967 96.562 97.923 97.310 18.077 10.909 6.901 11.472 11.729 12.774 12.972 11.440 11.359 11.493 12.173 13.343 11.581 5.955 3.523 5.500 9.591 9.403 10.369 12.715 9.315 8.823 9.274 9.468 29.040 34.370 33.619 36.131 35.241 33.832 35.183 34.650 35.804 36.792 35.466 35.961 58.698

51.234

44.043

53.104

4,38

3,27

2,38

2,37

695.648 583.543 59.516 15.337 11.062 26.191

Apr

2.890.073 2.874.190 2.741.845 2.722.499 90.473 92.470 11.309 11.054 10.406 9.645 36.034 38.423

Indicator Earning Assets a.Current b.Special Mention c. Sub-Standard d.Doubtful e.Lost

56.465

57.748

59.123

Non Performing Earning Asset (Nominal)

2,14

2,17

1,86

1,96

2,00

2,00

2,06

Non Performing Earning Asset Ratio (%)

792.297 1.002.012 1.307.688 1.437.930 1.486.329 1.531.556 1.586.492 1.597.980 1.640.430 1.659.145 1.675.633 680.805 900.094 1.190.245 1.307.983 1.349.950 1.388.689 1.448.425 1.458.751 1.497.862 1.515.174 1.530.843 63.436 61.150 75.571 82.399 89.369 93.660 90.735 90.964 93.234 94.677 93.660 9.183 5.874 8.177 9.772 9.984 10.942 9.912 9.752 10.056 10.727 11.921 5.869 3.489 5.406 8.132 8.211 8.644 8.435 8.174 7.659 8.094 8.225 33.005 31.405 28.290 29.644 28.871 29.622 28.985 30.339 31.618 30.364 30.984

1.706.403 1.560.810 93.388 11.101 9.068 32.036

40.767

41.872

7,56

6,07

4,07

3,20

47.548 47.066

3,31

3,17

2,24

2.831.871 2.829.665 2.829.838 2.691.806 2.677.271 2.666.133 87.271 96.815 107.234 10.529 11.861 11.287 8.797 9.060 9.853 33.469 34.654 35.325

Mar

55.576

48.057

2,29

49.207

47.332

3,21

2,98

56.478 57.108 56.913

Feb

52.794

2,22

58.805

Jan

59.591

2,30

58.524

2.746.843 2.589.642 97.489 12.391 10.206 36.995

Des

58.772

52.589

56.560 56.009

Nov

2,15

2,15

2,11

48.265 49.333 49.185

3,02

3,01

2,96

1.765.845 1.746.005 1.773.889 1.636.854 1.604.477 1.620.643 83.751 93.224 103.885 9.180 10.760 10.182 7.665 7.924 8.742 28.396 29.620 30.437

1.814.846 1.843.538 1.676.714 1.701.778 87.162 89.263 10.275 10.082 9.358 8.684 31.336 33.732

Credit a.Current b.Special Mention c. Sub-Standard d.Doubtful e.Lost

51.130

52.205

45.241

48.304

49.361

50.969

52.497

Non Performing Loan (Nominal)

3,05

3,06

2,56

2,77

2,78

2,81

2,85

Non Performing Loan Ratio (%)

37



Tabel 1.35 Aktiva Produktif Bank Persero (Earning Assets of State Owned Banks) Miliar Rp (Billion Rp) 2010 Indikator Aktiva Produktif a. Lancar b. DPK c. Kurang Lancar d. Diragukan e. Macet Non Performing Earning Asset (Nominal) Rasio Non Performing Earning Asset (%) Kredit a. Lancar b. DPK c. Kurang Lancar d. Diragukan e. Macet Non Performing Loan (Nominal) Rasio Non Performing Loan (%)

38

2005 2006 2007 2008 2009 532.254 581.590 683.347 823.508 958.452 457.324 514.140 626.735 766.622 894.206 32.572 34.770 31.412 36.546 43.339 11.630 5.102 2.723 3.034 3.516 9.356 2.899 1.237 2.285 3.790 21.372 24.678 21.240 15.021 13.601 42.358

32.679

25.201

20.340

7,96

5,62

3,69

2,47

30.803

23.148

17.594

14,75

10,70

6,50

3,74

Indicator Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

936.809 938.396 871.227 868.273 46.609 49.185 4.057 4.208 3.812 4.369 11.103 12.361

971.295 902.552 46.637 3.663 6.729 11.713

954.742 961.775 967.857 987.192 988.878 1.049.282 1.036.013 1.018.578 886.960 892.974 898.535 916.451 914.990 986.077 965.516 942.743 48.750 48.906 49.950 50.110 49.507 43.829 49.152 53.742 3.318 3.609 4.280 4.981 4.339 3.678 4.964 4.293 3.428 3.066 3.165 3.341 4.246 2.977 2.869 3.645 12.285 13.220 11.927 12.309 15.796 12.721 13.512 14.155

20.907 18.972 20.939

22.105

19.032 19.895 19.372 20.631 24.382

2,18

22.093

21.873

22.569


1,85

2,06

2,17

2,08

2,16


665.361 599.667 44.316 3.339 3.960 14.078


18.828 17.528 19.152

17.700

17.754 18.612 18.018 19.291 23.051

3,09

2,97

3,16

2,47

21.345

656.897 591.215 45.039 3.788 4.259 12.597

3,01

2,09

19.376

589.895 601.865 605.795 610.383 621.691 642.718 629.622 637.831 525.634 535.925 539.413 542.926 551.468 582.549 561.979 564.738 46.507 47.327 48.365 48.166 47.173 42.187 47.499 52.187 3.287 3.559 4.152 4.973 4.333 3.331 4.817 4.142 3.388 3.027 3.138 3.215 4.138 2.976 2.866 3.641 11.079 12.026 10.728 11.103 14.579 11.675 12.462 13.123

3,01

2,00

Earning Assets a.Current b.Special Mention c. Sub-Standard d.Doubtful e.Lost

588.755 526.187 44.868 3.620 3.569 10.511

3,36

2,07

1.049.921 1.044.599 981.517 976.435 46.530 45.595 3.897 3.367 4.333 4.057 13.643 15.144

557.986 570.164 495.356 503.843 45.102 47.169 3.236 4.047 3.788 3.886 10.505 11.219

3,14

1,99

Apr

2,28

3,46

2,03

Mar

2,23

256.413 287.910 356.151 470.665 544.870 189.292 224.579 303.693 418.002 483.886 29.308 32.528 29.310 35.069 42.156 9.962 4.374 2.701 2.973 3.410 8.887 2.839 1.237 2.275 3.756 18.965 23.589 19.210 12.346 11.663 37.813

2011

3,71

17.982

20.145

20.907

20.643

21.378


2,80

3,20

3,28

3,14

3,21




Tabel 1.36 Aktiva Produktif BUSN Devisa (Earning Assets of Foreign Exchange Commercial Banks) Miliar Rp (Billion Rp) 2010 Indikator Aktiva Produktif a. Lancar b. DPK c. Kurang Lancar d. Diragukan e. Macet Non Performing Earning Asset (Nominal) Rasio Non Performing Earning Asset (%) Kredit a. Lancar b. DPK c. Kurang Lancar d. Diragukan e. Macet Non Performing Loan (Nominal) Rasio Non Performing Loan (%)

2005 2006 2007 2008 2009

Apr

Mei

Jun

500.822 474.357 17.070 3.737 1.406 4.253

596.214 700.622 565.801 670.749 18.274 19.016 3.341 2.068 2.203 1.432 6.595 7.356

821.136 899.511 943.339 774.507 851.445 890.670 27.134 27.546 30.724 2.570 4.004 4.186 2.269 3.256 3.266 14.656 13.261 14.549

965.747 911.426 32.162 4.132 3.590 14.437

9.396

12.139 10.856

19.495

22.159 21.495

1,88

2,04

1,55

2,37

20.520 22.002

2,28

Jul

Ags

2011 Sep

2,29

2,17

22.455 22.412 22.444

2,22

2,18

2,15

277.591 251.811 16.846 3.617 1.383 3.934

315.256 407.742 285.540 378.247 18.087 18.860 3.069 1.981 2.198 1.416 6.363 7.237

524.295 555.617 575.659 484.022 512.733 527.798 25.975 26.910 30.254 2.514 3.208 4.036 2.223 2.972 3.067 9.560 9.795 10.559

596.004 546.438 31.798 3.977 3.398 10.393

618.780 571.178 30.392 3.446 3.509 10.255

632.629 653.864 660.785 584.259 604.231 610.444 30.157 31.211 31.817 3.876 4.112 4.201 3.519 3.352 3.578 10.818 10.958 10.744

8.934

11.629 10.635

14.298

17.767 17.210

18.213 18.422 18.523

3,22

3,69

2,61

2,73

2,88

3,07

2,98

Nov

Des

Jan

Feb

990.516 1.012.409 1.030.428 1.042.711 1.070.666 1.078.370 1.107.162 1.114.192 1.124.217 938.354 959.385 976.403 988.087 1.016.435 1.023.901 1.056.635 1.060.517 1.065.179 30.667 30.570 31.612 32.181 31.821 32.251 29.682 32.356 37.267 3.531 3.967 4.232 4.291 4.628 4.389 3.596 3.508 3.875 3.656 3.665 3.498 3.742 3.554 3.538 3.497 3.923 4.042 14.308 14.822 14.682 14.411 14.228 14.291 13.751 13.888 13.854

2,33

15.974 17.663

Okt

2,78

2,88

2,82

2,80

Mar

Apr

1.135.701 1.128.159 1.083.105 1.073.616 29.599 31.050 4.289 4.454 3.868 3.484 14.840 15.556


22.410

22.219

20.845

21.319

21.771

22.997

23.494


2,09

2,06

1,88

1,91

1,94

2,02

2,08


718.639 708.824 672.422 659.506 29.314 31.905 3.513 3.448 3.346 3.768 10.045 10.197

728.002 673.201 36.829 3.811 3.885 10.275

668.876 686.115 618.927 635.815 31.473 31.957 4.385 4.195 3.402 3.364 10.688 10.783

741.401 756.128 692.462 705.298 29.374 30.742 4.225 4.399 3.842 3.468 11.497 12.221


18.475

18.342

16.904

17.413

17.971

19.564

20.089


2,76

2,67

2,35

2,46

2,47

2,64

2,66


39



Tabel 1.37 Aktiva Produktif BUSN Non Devisa (Earning Assets of Non-Foreign Exchange Commercial Banks) Miliar Rp (Billion Rp) 2010 Indikator Aktiva Produktif a. Lancar b. DPK c. Kurang Lancar d. Diragukan e. Macet

2005 2006 2007 2008 2009

2011 Indicator

Apr

Mei

Jul

Ags

Sep

Okt

Nov

Des

Jan

63.278 60.021 2.066 338 211 642

59.540 56.782 1.580 307 199 674

61.006 57.927 1.914 196 217 753

63.793 60.648 1.912 238 207 788

64.989 61.805 1.857 294 235 799

64.658 61.484 1.918 249 256 753

69.067 67.774 66.013 64.557 1.766 1.877 301 299 227 236 760 804

Feb

Mar

Apr

67.697 64.181 2.184 292 246 794

70.504 67.479 1.840 245 226 714

71.246 Earning Assets a.Current 68.092 b.Special Mention 1.940 c. Sub-Standard 259 d.Doubtful 221 e.Lost 734

18.404 17.069 688 154 83 411

26.141 24.650 867 122 94 409

34.610 33.177 935 75 65 357

37.729 36.296 964 145 116 208

50.318 48.063 1.463 217 128 448


647

625

497

468

792

948

984

1.192

1.179

1.166

1.233

1.328

1.257

1.288

1.339

1.332

1.185

1.215 Non Performing Earning Asset (Nominal)

Rasio Non Performing Earning Asset (%)

3,52

2,39

1,44

1,24

1,57

1,82

1,80

1,88

1,98

1,91

1,93

2,04

1,94

1,86

1,98

1,97

1,68

1,70 Non Performing Earning Asset Ratio (%)

16.842 15.323 787 167 95 469

19.114 17.653 867 122 93 379

23.863 22.468 935 75 65 320

27.122 25.690 964 145 116 207

35.700 33.451 1.462 212 128 448

38.554 40.497 35.970 37.785 1.638 1.731 171 186 205 193 570 601

45.390 42.195 2.022 336 211 627

43.358 40.680 1.579 228 198 673

44.815 41.739 1.913 196 216 750

45.936 42.819 1.912 211 207 788

46.318 43.193 1.850 242 234 799

47.313 44.145 1.912 249 255 753

48.757 49.619 45.765 46.419 1.731 1.872 300 297 201 236 760 794

50.450 46.945 2.177 288 245 794

51.873 48.855 1.834 245 226 713


732

594

460

468

787

947

981

1.173

1.099

1.162

1.206

1.275

1.256

1.261

1.327

1.328

1.184

1.214 Non Performing Loan (Nominal)

Rasio Non Performing Loan (%)

4,34

3,11

1,93

1,73

2,20

2,46

2,42

2,58

2,53

2,59

2,62

2,75

2,65

2,59

2,67

2,63

2,28

2,29 Non Performing Loan Ratio (%)

Kredit a. Lancar b. DPK c. Kurang Lancar d. Diragukan e. Macet

40

51.925 54.723 49.336 52.005 1.642 1.734 171 189 206 194 570 601

Jun

53.050 Credit a.Current 49.901 b.Special Mention 1.936 c. Sub-Standard 259 d.Doubtful 221 e.Lost 734



Tabel 1.38 Aktiva Produktif BPD (Earning Assets of Regional Development Banks) Miliar Rp (Billion Rp) 2010 Indikator Aktiva Produktif a. Lancar b. DPK c. Kurang Lancar d. Diragukan e. Macet

2005 2006 2007 2008 2009 85.078 83.286 943 140 122 587

131.845 140.981 129.815 138.560 1.121 1.195 160 178 141 174 609 874

2011 Indicator

Apr

Mei

166.823 181.225 210.541 206.960 163.857 176.715 203.636 199.606 1.581 2.313 3.981 4.158 168 350 458 608 143 319 368 465 1.075 1.528 2.098 2.124

Jun 210.718 203.178 4.573 348 416 2.204

Jul

Ags

Sep

219.027 215.478 227.690 213.012 207.853 219.984 4.254 4.415 4.348 411 409 413 398 435 465 2.265 2.368 2.373

Okt

Nov

230.879 213.326 223.462 205.779 3.849 4.037 575 450 436 497 2.557 2.563

Des

Jan

209.002 212.005 203.275 204.635 2.715 3.952 266 497 365 314 2.381 2.608

Feb 225.126 217.103 4.644 378 358 2.643

Mar

Apr

231.845 229.956 Earning Assets a.Current 224.241 221.696 b.Special Mention 3.996 4.503 c. Sub-Standard 360 377 d.Doubtful 326 341 e.Lost 2.923 3.039


849

909

1.227

1.385

2.197

2.924

3.197

2.967

3.074

3.211

3.250

3.568

3.509

3.012

3.418

3.379

3.609

3.757 Non Performing Earning Asset (Nominal)

Rasio Non Performing Earning Asset (%)

1,00

0,69

0,87

0,83

1,21

1,39

1,54

1,41

1,40

1,49

1,43

1,55

1,65

1,44

1,61

1,50

1,56

1,63 Non Performing Earning Asset Ratio (%)

44.931 43.147 949 139 122 573

55.955 53.942 1.121 155 140 598

71.881 69.477 1.194 172 174 864

96.385 120.754 127.329 129.472 93.449 116.386 120.621 122.343 1.579 2.308 3.892 4.068 160 332 451 582 142 236 367 375 1.056 1.492 1.997 2.105

132.740 125.386 4.485 342 415 2.113

143.707 143.395 138.072 136.107 2.669 3.928 261 490 362 297 2.343 2.573

145.945 137.989 4.626 374 349 2.607


834

892

1.209

1.358

2.060

2.816

3.062

2.870

3.050

3.157

3.181

3.544

3.482

2.966

3.360

3.330

3.539

3.693 Non Performing Loan (Nominal)

Rasio Non Performing Loan (%)

1,86

1,59

1,68

1,41

1,71

2,21

2,36

2,16

2,25

2,29

2,28

2,49

2,42

2,06

2,34

2,28

2,37

2,42 Non Performing Loan Ratio (%)

Kredit a. Lancar b. DPK c. Kurang Lancar d. Diragukan e. Macet

135.688 138.023 139.450 128.477 130.543 131.901 4.161 4.324 4.259 405 401 407 397 406 420 2.248 2.350 2.354

142.040 143.956 134.741 136.530 3.755 3.943 570 445 434 490 2.540 2.547

149.427 152.882 Credit a.Current 141.907 144.703 b.Special Mention 3.982 4.486 c. Sub-Standard 356 373 d.Doubtful 318 340 e.Lost 2.865 2.980

41



Tabel 1.39 Aktiva Produktif Bank Campuran (Earning Assets of Joint Venture Banks) Miliar Rp (Billion Rp) 2010 Indikator Aktiva Produktif a. Lancar b. DPK c. Kurang Lancar d. Diragukan e. Macet Non Performing Earning Asset (Nominal) Rasio Non Performing Earning Asset (%) Kredit a. Lancar b. DPK c. Kurang Lancar d. Diragukan e. Macet Non Performing Loan (Nominal) Rasio Non Performing Loan (%)

42

2005 2006 2007 2008 2009 94.740 125.190 89.164 119.252 4.150 4.323 700 790 234 233 491 592

139.962 133.713 3.697 958 483 1.111

Apr

Mei

140.215 145.505 134.211 139.555 3.264 3.186 1.159 1.170 413 429 1.167 1.165

Jun 152.669 146.087 3.643 1.274 409 1.255

Jul

Ags

2011 Sep

141.131 144.478 150.267 135.044 138.391 143.846 3.470 3.545 3.831 1.138 1.085 950 329 312 496 1.151 1.145 1.144

Okt

Nov

149.728 153.927 143.489 147.674 3.625 3.624 929 968 546 425 1.139 1.235

Des

Jan

Feb

154.045 153.521 148.714 148.116 147.451 142.428 3.207 3.402 3.771 892 871 782 365 358 383 1.464 1.438 1.350

Mar

Apr

152.012 149.761 146.194 143.763 3.175 3.371 899 872 421 424 1.323 1.332

Indicator

63.588 58.153 3.751 561 296 827

68.277 62.684 3.788 1.158 214 432

Earning Assets a.Current b.Special Mention c. Sub-Standard d.Doubtful e.Lost

1.684

1.804

1.425

1.615

2.552

2.740

2.763

2.938

2.618

2.541

2.589

2.614

2.629

2.721

2.668

2.515

2.643

2.628


2,65

2,64

1,50

1,29

1,82

1,95

1,90

1,92

1,85

1,76

1,72

1,75

1,71

1,77

1,74

1,69

1,74

1,75


36.937 32.099 3.392 371 277 797

40.833 36.100 3.259 835 209 430

58.520 54.044 3.550 218 228 481

75.849 70.679 3.630 726 228 587

80.977 75.273 3.209 949 453 1.094

84.391 88.165 79.031 82.850 2.788 2.687 1.061 1.095 379 403 1.132 1.130

94.779 88.815 3.175 1.182 389 1.217

88.693 83.217 3.010 1.026 313 1.127

92.476 86.992 3.105 955 296 1.129

95.106 89.304 3.369 819 480 1.134

96.567 90.973 3.109 817 530 1.139

96.378 90.861 2.979 894 409 1.235

99.020 93.866 2.570 814 365 1.404

98.845 93.525 2.792 789 342 1.397

94.606 89.055 3.135 713 383 1.320

96.821 91.770 2.505 830 421 1.295

97.360 92.122 2.719 804 424 1.290


1.446

1.474

926

1.540

2.496

2.572

2.628

2.789

2.466

2.379

2.433

2.486

2.538

2.583

2.528

2.416

2.547

2.518


3,91

3,61

1,58

2,03

3,08

3,05

2,98

2,94

2,78

2,57

2,56

2,57

2,63

2,61

2,56

2,55

2,63

2,59




Tabel 1.40 Aktiva Produktif Bank Asing (Earning Assets of Foreign Owned Banks) Miliar Rp (Billion Rp) 2010 Indikator Aktiva Produktif a. Lancar b. DPK c. Kurang Lancar d. Diragukan e. Macet Non Performing Earning Asset (Nominal) Rasio Non Performing Earning Asset (%) Kredit a. Lancar b. DPK c. Kurang Lancar d. Diragukan e. Macet Non Performing Loan (Nominal) Rasio Non Performing Loan (%)

2005 2006 2007 2008 2009

Apr

Mei

133.870 161.035 197.690 267.897 234.787 236.800 242.741 120.465 149.174 184.305 248.037 217.322 221.553 227.054 9.732 8.784 8.549 10.059 7.873 6.823 7.205 1.842 1.026 1.157 4.766 2.685 2.742 2.665 305 405 380 455 1.615 1.337 1.322 1.525 1.647 3.300 4.580 5.292 4.345 4.495

Jun 234.047 219.275 6.665 2.285 1.293 4.529

Jul

Ags

2011 Sep

239.275 242.349 238.919 224.797 228.284 225.168 6.345 6.170 5.701 2.218 1.962 2.002 1.309 1.308 1.225 4.607 4.624 4.824

Okt

Nov

245.368 247.683 231.099 235.815 6.049 6.152 1.935 1.995 1.357 1.364 4.929 2.357

Des

Jan

243.313 246.159 231.689 234.594 6.071 6.076 1.797 1.722 1.365 1.364 2.391 2.404

Feb 245.506 234.499 5.627 1.666 1.184 2.530

Mar

Apr

250.090 250.470 239.309 238.898 5.332 6.012 1.619 1.724 1.238 1.217 2.591 2.619


3.672

3.077

4.837

9.801

9.592

8.424

8.482

8.107

8.134

7.895

8.050

8.220

5.716

5.553

5.489

5.379

5.449

5.560


2,74

1,91

2,45

3,66

4,09

3,56

3,49

3,46

3,40

3,26

3,37

3,35

2,31

2,28

2,23

2,19

2,18

2,22


62.935 51.871 8.234 1.080 297 1.453

73.230 62.991 7.575 628 389 1.647

83.856 113.372 100.011 102.410 107.254 72.166 98.403 86.254 91.173 95.431 7.301 8.355 6.354 5.695 6.206 727 1.659 1.662 1.029 1.054 369 422 588 405 390 3.292 4.533 5.153 4.107 4.173

106.049 94.664 5.793 986 343 4.263

113.004 115.700 104.180 106.940 5.279 5.228 961 919 415 415 2.169 2.198

117.054 108.715 4.931 852 238 2.318

2.830

2.664

4.389

6.614

7.403

5.541

5.617

5.591

5.682

5.600

5.824

6.059

3.536

3.545

3.532

3.409

3.493

3.606


4,50

3,64

5,23

5,83

7,40

5,41

5,24

5,27

5,27

5,12

5,20

5,44

3,19

3,14

3,05

2,91

2,95

3,04


107.718 109.387 112.073 96.485 98.432 101.293 5.551 5.354 4.955 930 832 937 359 362 271 4.393 4.406 4.617

111.449 110.950 100.083 101.991 5.307 5.423 934 985 409 412 4.716 2.139

118.427 118.757 110.505 110.087 4.429 5.064 831 908 292 271 2.370 2.427


43



Tabel 1.41 Pengelompokkan Bank Berdasarkan Rasio NPL (Bank Category Based on NPL Ratio) Kelompok Bank

Jumlah Bank (Total Banks) Desember 2006 Desember 2007 Desember 2008 Desember 2009

April 2010

Desember 2010

Group of Bank

April 2011

NPL <=5% NPL >5% NPL <=5% NPL >5% NPL <=5% NPL >5% NPL <=5% NPL >5% NPL <=5% NPL >5% NPL <=5% NPL >5% NPL <=5% NPL >5%

Bank Persero

3

2

3

2

3

2

4

0

4

0

4

0

4

BUSN Devisa

25

10

30

5

30

5

30

4

31

4

33

3

33

3 Foreign Exchange Commercial Banks

BUSN Non Devisa

27

9

29

7

30

3

28

3

27

3

26

5

28

3 Non-Foreign Exchange Commercial Banks

BPD

25

1

25

1

24

2

25

1

23

3

23

3

23

3 Regional Development Banks

Bank Campuran

10

7

15

2

13

2

14

2

14

2

13

2

13

Bank Asing

10

1

6

5

5

5

6

4

7

3

8

2

8

100

30

108

22

105

19

107

14

106

15

107

15

108

Total

44

0 State Owned Banks

1 Joint Venture Banks 2 Foreign Owned Banks 12

Total



Tabel 1.42 Non Performing Loan Bank Umum Berdasarkan Sektor Ekonomi (Non Performing Loan of Commercial Banks Based on Economic Sector) Miliar Rp (Billion Rp) Sektor Ekonomi 1. Pertanian, perburuan dan sarana pertanian 2. Pertambangan 3. Perindustrian 4. Listrik, gas dan air 5. Konstruksi 6. Perdagangan, restoran dan hotel 7. Pengangkutan, pergudangan dan komunikasi 8. Jasa Dunia usaha 9. Jasa sosial/masyarakat 10. Lain-lain

2010 2005 2006 2007 2008 3.188

3.165

2.121

1.192 1.101 737 26.734 19.383 14.593 390 266 96 2.860 1.698 1.642 7.433 10.200 8.940 1.971

2.131

841

3.378 739 4.704

3.057 393 6.663

2.798 263 8.735

2009

2011

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

2.494

2.016

2.004

1.868

2.154

2.214

2.230

2.256

2.535

1.659

1.764

1.812

1.876

1.709

911 774 14.674 12.411 22 18 1.856 2.316 8.040 12.254

834 10.467 16 2.264 10.844

826 574 517 10.793 11.042 11.047 115 21 116 2.421 2.571 2.453 12.039 12.293 11.907

1.139 11.081 148 2.775 12.116

1.234 11.940 336 2.884 14.034

269 307 10.238 10.892 193 190 2.237 2.569 12.665 13.190

259 10.548 198 2.566 13.488

382 11.615 143 2.514 14.035

365 11.912 192 2.528 14.292

2.791

3.073

3.109

3.070

3.989

3.784

3.866

3.314 3.261 3.345 1.942 2.065 1.864 12.362 12.631 12.917

3.292 2.048 13.202

3.002 1.850 11.282

3.100 3.260 1.761 1.795 10.303 11.267

2.968 1.828 11.706

2.845 1.834 11.942

2.900 1.909 12.822

1.857

1.565

1.762

2.343

3.226 3.373 291 756 9.430 11.388

3.775 1.350 13.156

888 919 10.635 10.462 21 34 2.827 2.416 11.466 10.706 2.376

2.217

3.972 3.641 1.406 1.700 13.611 13.368

2.299

2.662

2.816

Mar

Apr

Economic Sector 1. Agriculture, hunting and agricultural facilities 2. Mining 3. Manufacturing 4. Electricity, gas and water 5. Construction 6. Trade, restaurants and hotels 7. Transportation, warehousing and communications 8. Business Services 9. Social Services 10. Others

45



Tabel 1.43 Non Performing Loan Bank Persero Berdasarkan Sektor Ekonomi (Non Performing Loan of State Owned Banks Based on Economic Sector) Miliar Rp (Billion Rp) Sektor Ekonomi

2010 2005 2006 2007 2008

1.Pertanian, perburuan 2.177 dan sarana pertanian 2.Pertambangan 669 3.Perindustrian 21.458 4.Listrik, gas dan air 170 5.Konstruksi 2.463 6.Perdagangan, 5.354 restoran dan hotel 7.Pengangkutan, 1.205 pergudangan dan komunikasi 8.Jasa Dunia usaha 1.814 9.Jasa sosial/masyarakat 588 10. Lain-lain 1.914

46

2.004

2009

Apr

Mei

Jun

Jul

Ags

2011 Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

1.133

855

1.200

799

846

685

821

842

899

950

1.270

712

732

781

849

657

923 346 14.042 10.301 261 78 1.221 1.027 7.101 5.576

367 7.950 15 919 3.900

89 5.659 12 1.152 6.189

85 4.270 6 871 4.222

118 4.677 6 1.052 4.567

232 4.545 20 857 3.899

70 4.432 7 816 5.344

71 4.606 7 904 5.652

49 4.381 7 854 5.287

898 4.262 38 934 5.468

952 5.110 46 1.068 7.504

104 3.794 60 752 6.079

108 4.086 60 959 6.669

108 3.931 59 1.067 6.763

124 4.042 8 954 6.763

128 4.201 1 1.020 6.832

961

373

473

522

690

720

670

626

873

705

710

721

615

972

1.458

1.186

1.211

1.577 230 2.484

1.216 41 3.055

476 66 2.574

656 262 3.088

983 284 5.318

1.114 294 5.758

702 486 5.605

560 546 4.533

447 548 4.662

546 533 4.758

600 553 4.877

650 577 5.152

881 699 4.285

912 717 4.929

679 721 5.341

583 677 5.457

627 738 5.962




Tabel 1.44 Non Performing Loan BUSN Devisa Berdasarkan Sektor Ekonomi (Non Performing Loan of Foreign Exchange Commercial Banks Based on Economic Sector) Miliar Rp (Billion Rp) Sektor Ekonomi 1.Pertanian, perburuan dan sarana pertanian 2.Pertambangan 3.Perindustrian 4.Listrik, gas dan air 5.Konstruksi 6.Perdagangan, restoran dan hotel 7.Pengangkutan, pergudangan dan komunikasi 8.Jasa Dunia usaha 9.Jasa sosial/masyarakat 10. Lain-lain

2010 2005 2006 2007 2008

2009

Apr

Mei

Jun

Jul

Ags

2011 Sep

Okt

Nov

Des

Jan

Feb

Mar

727

952

730

756

1.031

920

934

941

994

1.002

939

918

905

680

755

750

731

128 2.720 220 212 1.434

106 3.384 1 311 2.499

131 2.654 17 404 2.653

249 3.392 5 626 3.405

343 3.249 2 611 4.737

354 3.216 4 745 4.858

363 3.019 5 848 5.189

308 2.874 6 784 5.003

430 3.484 100 858 4.901

402 3.554 7 877 4.889

277 3.700 100 830 4.849

144 3.590 101 899 4.922

199 3.517 276 919 4.815

91 3.180 118 758 4.984

100 3.670 115 759 4.825

122 3.651 124 753 4.901

156 4.481 122 766 5.513

728

808

431

1.047

559

846

866

768

892

962

1.251

1.539

1.560

1.365

1.242

1.681

1.753

1.267 106 1.392

1.321 122 2.125

1.379 177 2.058

2.328 188 2.301

2.236 430 2.777

2.445 703 3.571

2.508 731 3.305

2.581 823 3.121

2.421 993 3.141

2.468 1.086 3.174

2.439 911 3.227

2.302 842 3.217

1.953 847 3.351

1.847 677 3.203

1.922 694 3.329

1.895 730 3.365

1.898 772 3.373

Apr

Economic Sector

754 1. Agriculture, hunting and agricultural facilities 157 2. Mining 4.562 3. Manufacturing 174 4. Electricity, gas and water 742 5. Construction 5.666 6. Trade, restaurants and hotels 1.834 7. Transportation, warehousing and communications 1.945 8. Business Services 789 9. Social Services 3.466 10. Others

47



Tabel 1.45 Non Performing Loan BUSN Non Devisa Berdasarkan Sektor Ekonomi (Non Performing Loan of Non-Foreign Exchange Commercial Banks Based on Economic Sector) Miliar Rp (Billion Rp) Sektor Ekonomi 1. Pertanian, perburuan dan sarana pertanian 2. Pertambangan 3. Perindustrian 4. Listrik, gas dan air 5. Konstruksi 6. Perdagangan, restoran dan hotel 7. Pengangkutan, pergudangan dan komunikasi 8. Jasa Dunia usaha 9. Jasa sosial/masyarakat 10. Lain-lain

48

2010 2005 2006 2007 2008 57

8

5

2 78 34 183

3 65 41 149

19

103 25 231

2009

Apr

Mei

Jun

Jul

Ags

2011 Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

1

6

19

20

26

27

28

30

33

30

28

29

29

22

23

3 67 7 151

0 37 0 20 134

1 91 36 169

7 98 120 255

13 143 0 169 267

5 149 0 127 284

7 149 0 133 307

16 208 0 128 314

15 245 0 127 316

22 193 0 130 315

12 187 109 316

6 186 0 115 341

3 174 113 343

10 161 89 296

1 139 0 22 296

16

12

12

45

36

8 105 0 111 268 37

36

37

41

39

41

49

98

103

104

97

75

67 25 219

72 14 129

93 19 151

196 29 213

177 24 212

171 32 230

223 44 252

185 44 240

202 48 248

193 52 224

206 53 240

213 57 248

202 48 263

207 53 286

206 58 298

180 51 277

132 43 483




Tabel 1.46 Non Performing Loan BPD Berdasarkan Sektor Ekonomi (Non Performing Loan of Development Banks Based on Economic Sector) Miliar Rp (Billion Rp) Sektor Ekonomi 1. Pertanian, perburuan dan sarana pertanian 2. Pertambangan 3. Perindustrian 4. Listrik, gas dan air 5. Konstruksi 6. Perdagangan, restoran dan hotel 7. Pengangkutan, pergudangan dan komunikasi 8. Jasa Dunia usaha 9. Jasa sosial/masyarakat 10. Lain-lain

2010 2005 2006 2007 2008

2009

Apr

Mei

Jun

Jul

Ags

2011 Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

97

108

145

188

217

238

164

187

284

315

342

334

314

221

229

234

257

259

3 19 130 278

6 26 1 105 285

4 34 191 407

3 87 2 266 423

3 84 4 494 667

44 246 6 510 869

47 260 9 795 775

60 254 8 587 870

63 278 7 601 929

63 286 7 635 954

62 277 9 616 937

58 275 8 795 886

60 381 14 751 984

60 362 15 604 856

91 366 15 721 938

25 383 16 620 1.078

90 397 12 693 1.071

76 443 17 733 1.115

19

36

21

22

79

151

103

95

97

102

116

101

106

67

79

78

83

85

98 20 172

65 16 245

100 19 287

86 14 268

176 18 319

77 216 459

87 223 599

44 224 539

58 236 497

53 257 484

75 242 509

76 472 538

73 252 548

71 221 490

134 215 572

134 199 562

123 225 587

138 224 603


49



Tabel 1.47 Non Performing Loan Bank Campuran Berdasarkan Sektor Ekonomi (Non Performing Loan of Joint Venture Banks Based on Economic Sector) Miliar Rp (Billion Rp) Sektor Ekonomi 1. Pertanian, perburuan dan sarana pertanian 2. Pertambangan 3. Perindustrian 4. Listrik, gas dan air 5. Konstruksi 6. Perdagangan, restoran dan hotel 7. Pengangkutan, pergudangan dan komunikasi 8. Jasa Dunia usaha 9. Jasa sosial/masyarakat 10. Lain-lain

50

2010 2005 2006 2007 2008 94

2009

Apr

Mei

Jun

Jul

Ags

2011 Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

28

67

53

38

37

36

25

23

23

16

16

16

18

18

18

17

17

838 2 1 137

593 3 94

953 13 124

86 1.232 13 318

107 1.158 11 392

109 1.160 14 405

70 1.260 13 438

27 1.074 13 357

24 1.066 14 254

23 1.077 18 285

23 1.113 14 281

1.131 14 304

1.161 14 320

1.119 14 312

1.031 13 308

1.213 12 290

1.192 12 281

0

309

-

6

414

477

505

503

501

519

518

518

520

519

520

518

518

517

52 78

19 141

197 194

64 16 314

62 19 309

61 19 319

59 15 405

59 13 399

61 13 406

61 13 423

77 13 430

87 14 454

74 14 463

60 12 473

43 12 473

39 2 455

40 9 452

1.067 1 154

7 8 153




Tabel 1.48 Non Performing Loan Bank Asing Berdasarkan Sektor Ekonomi (Non Performing Loan of Foreign Owned Banks Based on Economic Sector) Miliar Rp (Billion Rp) Sektor Ekonomi 1. Pertanian, perburuan dan sarana pertanian 2. Pertambangan 3. Perindustrian 4. Listrik, gas dan air 5. Konstruksi 6. Perdagangan, restoran dan hotel 7. Pengangkutan, pergudangan dan komunikasi 8. Jasa Dunia usaha 9. Jasa sosial/masyarakat 10. Lain-lain

2010 2005 2006 2007 2008 38

65

41

1.927 1.392 20 30

64 1.028 19 29

252 943 11 59

1

3

-

44 916

8 1.450

24 3 3.053

5 291 2.255 12 55 5

46 4 3.942

2009

Apr

Mei

Jun

Jul

Ags

2011 Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

2

3

4

4

4

4

5

5

0

0

0

0

0

0

252 2.097 10 173

238 1.478 7 248

245 1.414 7 262

235 1.385 7 228

230 1.377 7 225

7 1.380 7 236

88 1.405 7 235

0 1.595 6 242

1 1.609 2 112

1 1.554 0 110

1 1.465 0 106

1 1.379 0 95

1 1.320 0 101

3 1.375 0 102

144

143

146

145

145

165

163

164

153

153

153

150

147

144

46 1 4.678

31 105 3.289

32 107 3.401

31 108 3.446

31 110 3.552

31 113 3.657

31 114 3.776

32 114 3.900

26 104 1.530

25 103 1.599

24 105 1.678

10 106 1.667

22 107 1.793

18 107 1.856


51



Tabel 1.49 Non Performing Loan Bank Umum Berdasarkan Sektor Ekonomi Per Lokasi Bank Penyalur - April 2011 (Non Performing Loan of Commercial Banks Based on Economic Sector by Banks Location - April 2011) Miliar Rp (Billion Rp)

Lokasi

Jawa Barat Banten DKI Jakarta D.I Yogyakarta Jawa Tengah Jawa Timur Bengkulu Jambi Nanggroe Aceh Darussalam Sumatera Utara Sumatera Barat Riau Kepulauan Riau Sumatera Selatan Bangka Belitung Lampung Kalimantan Selatan Kalimantan Barat Kalimantan Timur Kalimantan Tengah Sulawesi Tengah Sulawesi Selatan Sulawesi Utara Sulawesi Tenggara Sulawesi Barat Gorontalo Nusa Tenggara Barat Bali Nusa Tenggara Timur Maluku Papua Maluku Utara Irian Jaya Barat Lainnya Total

52

Pertanian, perburuan dan sarana pertanian (Agriculture, hunting and agricultural facilities)

Pertambangan Perindustrian (Mining) (Manufacturing)

Listrik, gas dan air (Electricity, gas and Water)

Konstruksi (Construction)

Perdagangan, restoran dan hotel (Trade, restaurants and hotels)

Pengangkutan, pergudangan dan komunikasi (Transportation, cargo storage and communications)

Jasa Dunia usaha (Business Services)

Jasa sosial/ masyarakat (Social Services)

54 8 644 7 52 226 5 70 36 121 110 72 33 1 1 48 20 17 20 3 22 68 21 4 3 4 16 13 3 3 4 0 0 -

47 9 104 0 8 13 2 0 5 1 3 1 3 0 0 3 42 2 42 0 37 2 0 19 0 1 2 0 19

560 58 6.859 24 774 1.767 2 17 181 804 9 25 31 72 0 86 139 16 14 0 33 275 35 0 3 17 4 9 1 1 10 2 4 79

2 8 140 0 14 6 0 1 16 0 0 1 2 0 0 0 0 2 -

210 77 860 11 79 111 18 4 97 205 12 65 51 9 3 23 65 5 148 14 4 179 44 1 29 31 5 81 20 38 13 12 5 -

1.550 345 4.625 130 1.190 1.882 55 138 383 813 207 271 215 80 11 308 113 79 244 40 151 455 231 38 48 59 110 242 85 24 39 13 21 101

47 7 2.982 2 30 253 1 1 9 64 21 12 7 28 0 9 83 2 85 1 1 59 11 0 1 6 1 7 2 5 2 1 1 126

184 41 1.942 23 55 74 2 7 18 58 8 25 17 20 0 21 32 21 93 3 2 118 10 2 1 4 2 80 0 1 1 5 1 28

376 28 941 9 62 96 5 6 36 31 5 15 7 10 0 6 7 4 44 2 17 47 11 47 6 2 5 47 22 2 10 1 1 -

1.709

365

11.912

192

2.528

14.292

3.866

2.900

1.909

Lain-lain (Others)

1.482 564 5.531 168 689 1.033 33 105 211 555 86 223 246 164 17 213 103 68 210 29 81 412 168 11 37 36 59 99 62 33 54 17 21 1

Location

Jawa Barat Banten DKI Jakarta D.I Yogyakarta Jawa Tengah Jawa Timur Bengkulu Jambi Nanggroe Aceh Darussalam Sumatera Utara Sumatera Barat Riau Kepulauan Riau Sumatera Selatan Bangka Belitung Lampung Kalimantan Selatan Kalimantan Barat Kalimantan Timur Kalimantan Tengah Sulawesi Tengah Sulawesi Selatan Sulawesi Utara Sulawesi Tenggara Sulawesi Barat Gorontalo Nusa Tenggara Barat Bali Nusa Tenggara Timur Maluku Papua Maluku Utara Irian Jaya Barat Others

12.822 Total



Tabel 1.50 Non Performing Loan Bank Umum Berdasarkan Jenis Penggunaan (Non Performing Loan of Commercial Banks Based on Type of Use) Miliar Rp (Billion Rp) Jenis Penggunaan

2010 2005 2006 2007 2008

2009

2011

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Type of Use

Total Modal Kerja

27.519

25.979

19.892

22.953

26.630

25.364

26.801

25.813

26.344

28.032

27.965

29.603

32.816

27.456

29.059

29.158

30.296

31.015 Total Working Capital

Total Investasi

20.467

15.509

12.230

9.607

9.719

10.426

10.866

10.204

10.454

9.732

9.325

9.355

9.421

8.436

9.080

9.713

10.057

10.153 Total Investment

Total Konsumsi

4.603

6.569

8.645

9.313

11.199

11.276

11.540

11.315

11.467

11.569

11.897

12.172

9.969

9.348

10.165

10.490

10.616

11.330 Total Consumption

53



Tabel 1.51 Non Performing Loan Bank Persero Berdasarkan Jenis Penggunaan (Non Performing Loan of State Owned Banks Based on Type of Use) Miliar Rp (Billion Rp) Jenis Penggunaan

2010 2005 2006 2007 2008

2009

Apr

2011

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Type of Use

Total Modal Kerja

20.363

17.868

11.951

11.028

12.042

9.780

10.914

10.114

10.200

12.604

11.892

13.208

16.862

12.277

13.414

13.789

13.690

14.057

Total Investasi

15.630

10.535

8.221

4.092

3.858

4.172

4.392

3.903

3.788

2.282

2.270

2.160

2.280

2.319

2.821

2.933

2.765

2.782

Total Investment

Total Konsumsi

1.820

2.400

2.976

2.474

2.928

3.576

3.847

3.682

3.767

3.726

3.856

3.923

3.908

3.385

3.910

4.185

4.188

4.538

Total Consumption

54

Total Working Capital



Tabel 1.52 Non Performing Loan BUSN Devisa Berdasarkan Jenis Penggunaan (Non Performing Loan of Foreign Exchange Commercial Banks Based on Type of Use) Miliar Rp (Billion Rp) Jenis Penggunaan

2010 2005 2006 2007 2008

2009

Apr

Mei

Jun

Jul

Ags

2011 Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Type of Use

Total Modal Kerja

3.446

5.385

5.311

7.512

9.288

9.915

10.139

9.703

10.346

9.793

10.238

10.191

10.013

9.580

9.971

9.938

11.041

11.323


Total Investasi

4.099

4.127

3.274

4.496

3.937

4.278

4.430

4.491

4.835

5.565

5.167

5.130

5.038

4.166

4.162

4.717

5.192

5.345

Total Investment

Total Konsumsi

1.388

2.118

2.050

2.290

2.750

3.470

3.199

3.016

3.032

3.064

3.118

3.155

3.291

3.158

3.280

3.316

3.331

3.421

Total Consumption

55



Tabel 1.53 Non Performing Loan BUSN Non Devisa Berdasarkan Jenis Penggunaan (Non Performing Loan of Non Foreign Exchange Commercial Banks Based on Type of Use) Miliar Rp (Billion Rp) Jenis Penggunaan

2010 2005 2006 2007 2008

2009

Apr

Mei

Jun

Jul

Ags

2011 Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Type of Use

431

316

277

248

356

506

508

650

583

611

667

723

674

681

697

697

631

515


Total Investasi

70

60

55

69

219

230

244

272

277

305

315

313

338

321

345

336

280

216

Total Investment

Total Konsumsi

230

219

129

151

212

211

228

251

239

246

223

238

244

259

285

294

273

483

Total Consumption

Total Modal Kerja

56



Tabel 1.54 Non Performing Loan BPD Berdasarkan Jenis Penggunaan (Non Performing Loan of Regional Development Banks Based on Type of Use) Miliar Rp (Billion Rp) Jenis Penggunaan

2010 2005 2006 2007 2008

2009

Apr

Mei

Jun

Jul

Ags

2011 Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Type of Use

Total Modal Kerja

421

446

670

776

1.394

1.846

1.973

1.905

2.088

2.184

2.170

2.363

2.253

1.934

2.112

2.072

2.244


Total Investasi

244

204

256

320

349

542

536

440

478

503

512

650

687

547

703

704

715

714 Total Investment

Total Konsumsi

169

242

284

262

317

428

552

525

485

470

501

530

541

485

544

553

580

585 Total Consumption

57



Tabel 1.55 Non Performing Loan Bank Campuran Berdasarkan Jenis Penggunaan (Non Performing Loan of Joint Venture Banks Based on Type of Use) Miliar Rp (Billion Rp) Jenis Penggunaan

2010 2005 2006 2007 2008

2009

Apr

Mei

Jun

Jul

Ags

2011 Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Type of Use

1.008

877

657

1.148

1.399

1.577

1.619

1.618

1.378

1.279

1.320

1.316

1.344

1.368

1.307

1.224

1.301

Total Investasi

359

456

116

198

783

687

690

770

689

695

690

740

741

752

747

719

791

786 Total Investment

Total Konsumsi

78

141

153

194

314

309

319

401

399

406

423

430

454

463

473

473

455

452 Total Consumption

Total Modal Kerja

58




Tabel 1.56 Non Performing Loan Bank Asing Berdasarkan Jenis Penggunaan (Non Performing Loan of Foreign Owned Banks Based on Type of Use) Miliar Rp (Billion Rp) Jenis Penggunaan

2010 2005 2006 2007 2008

2009

Apr

Mei

Jun

Jul

Ags

2011 Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

1.850

1.088

1.027

2.240

2.153

1.742

1.647

1.822

1.749

1.562

1.678

1.803

1.670

1.617

1.557

1.436

1.390

1.444

Total Investasi

65

127

309

432

573

517

574

328

387

381

370

361

336

330

302

305

315

311

Total Konsumsi

916

1.450

3.053

3.942

4.678

3.283

3.395

3.441

3.546

3.657

3.776

3.895

1.530

1.598

1.673

1.667

1.788

1.851

Total Modal Kerja

Type of Use Total Working Capital Total Investment Total Consumption

59



Tabel 1.57 Non Performing Loan Bank Umum Berdasarkan Jenis Penggunaan Per Lokasi Bank Penyalur - April 2011 (Non Performing Loan of Commercial Banks Based on Type of Use by Banks Location - April 2011) Miliar Rp (Billion Rp) Lokasi Jawa Barat Banten DKI Jakarta D.I Yogyakarta Jawa Tengah Jawa Timur Bengkulu Jambi Nanggroe Aceh Darussalam Sumatera Utara Sumatera Barat Riau Kepulauan Riau Sumatera Selatan Bangka Belitung Lampung Kalimantan Selatan Kalimantan Barat Kalimantan Timur Kalimantan Tengah Sulawesi Tengah Sulawesi Selatan Sulawesi Utara Sulawesi Tenggara Sulawesi Barat Gorontalo Nusa Tenggara Barat Bali Nusa Tenggara Timur Maluku Papua Maluku Utara Irian Jaya Barat Lainnya Total

60

Modal Kerja (Working Capital)

Investasi (Investment)

Konsumsi (Consumption)

2.544 537 13.492 213 2.150 3.899 76 244 640 1.685 265 393 405 156 18 459 361 111 501 62 219 959 327 47 60 111 132 283 128 65 83 32 28 329

624 104 5.986 34 288 724 18 30 149 511 119 105 64 78 0 82 153 47 207 7 32 319 53 45 37 37 17 204 19 14 8 6 8 24

1.344 502 5.152 128 514 839 30 74 188 473 77 211 141 149 14 177 90 56 194 23 62 372 153 9 31 31 53 92 48 29 45 14 17 1

31.015

10.153

11.330

Location Jawa Barat Banten DKI Jakarta D.I Yogyakarta Jawa Tengah Jawa Timur Bengkulu Jambi Nanggroe Aceh Darussalam Sumatera Utara Sumatera Barat Riau Kepulauan Riau Sumatera Selatan Bangka Belitung Lampung Kalimantan Selatan Kalimantan Barat Kalimantan Timur Kalimantan Tengah Sulawesi Tengah Sulawesi Selatan Sulawesi Utara Sulawesi Tenggara Sulawesi Barat Gorontalo Nusa Tenggara Barat Bali Nusa Tenggara Timur Maluku Papua Maluku Utara Irian Jaya Barat Others Total



Tabel 1.58 Non Performing Loan Bank Umum Berdasarkan Lokasi Bank Penyalur Kredit (Non Performing Loan of Commercial Banks Based on Location of Bank) Miliar Rp (Billion Rp) 2010 Lokasi

2005 2006 2007 2008

2009

Apr

Mei

Jawa Barat 2.603 Banten 375 DKI Jakarta 32.432 D.I Yogyakarta 152 Jawa Tengah 1.669 Jawa Timur 3.737 Bengkulu 44 Jambi 338 Nanggroe Aceh Darussalam 104 Sumatera Utara 3.265 Sumatera Barat 281 Riau 1.493 Kepulauan Riau Sumatera Selatan 236 Bangka Belitung 24 Lampung 128 Kalimantan Selatan 701 Kalimantan Barat 205 Kalimantan Timur 316 Kalimantan Tengah 77 148 Sulawesi Tengah Sulawesi Selatan 1.820 Sulawesi Utara 205 119 Sulawesi Tenggara Sulawesi Barat 47 Gorontalo 65 Nusa Tenggara Barat 272 Bali 210 Nusa Tenggara Timur 33 Maluku 43 Papua 7 Maluku Utara Irian Jaya Barat 1.441 Lainnya

2.589 656 26.535 244 2.332 4.796 64 341 55 3.836 301 1.002 199 31 186 511 178 410 48 243 1.815 245 93 51 71 465 59 34 55 16 598

2.672 715 20.907 391 1.706 4.065 73 260 88 3.308 289 444 231 208 33 272 379 207 490 43 290 1.683 250 81 73 117 139 409 65 30 72 19 15 743

3.345 605 25.773 181 1.742 2.771 65 214 177 1.799 244 438 312 276 26 439 433 202 450 47 262 716 257 93 45 105 141 245 75 47 72 47 22 205

3.707 919 26.701 290 1.934 3.964 86 300 300 2.536 368 585 528 327 89 504 300 228 532 63 355 1.114 299 81 61 112 164 527 140 58 112 38 27 195

4.162 1.030 24.341 307 2.024 3.907 111 233 457 2.785 399 677 538 393 92 642 280 301 685 64 267 1.248 410 96 76 116 155 630 134 75 134 43 34 221

52.589

48.057

40.767

41.872

47.548

47.066 49.207

Total

4.351 1.069 24.854 358 2.211 4.263 123 246 496 2.882 494 710 550 409 99 725 340 310 834 66 281 1.259 432 98 102 122 166 659 143 101 151 45 38 217

Ags

2011

Jun

Jul

Sep

Okt

Nov

4.208 1.026 24.272 348 2.115 4.082 117 227 489 2.807 414 869 475 365 24 662 308 215 690 68 234 1.138 409 84 69 107 159 530 144 96 152 42 38 353

4.317 1.051 24.748 356 2.154 4.221 124 260 559 2.856 433 712 479 378 25 648 301 218 717 68 236 1.201 415 83 75 127 160 526 144 108 157 35 45 326

4.542 1.104 24.859 349 2.225 4.376 118 250 591 3.016 455 786 474 397 25 628 317 233 737 76 268 1.219 439 83 75 144 162 586 152 109 143 35 37 325

4.560 1.028 24.406 355 2.144 4.452 121 247 654 3.057 517 885 528 397 26 615 318 239 766 78 284 1.291 429 77 71 138 163 578 151 116 158 38 36 325

4.648 1.049 25.786 314 2.195 4.464 124 254 777 3.076 471 729 520 453 26 641 366 246 930 79 295 1.340 442 92 78 147 165 553 161 117 160 37 42 353

4.973 1.208 24.467 393 2.593 4.886 148 375 869 3.307 464 798 550 453 24 809 515 216 822 87 318 1.469 441 101 108 158 202 554 177 113 168 41 46 353

47.332

48.265

49.333

49.248

51.130

52.205

Des

Mar

Location

Jan

Feb

Apr

4.223 1.019 21.033 341 2.253 4.516 101 291 769 2.710 379 683 496 416 21 577 388 170 723 75 303 1.271 441 90 79 139 166 475 154 92 104 37 31 676

4.537 1.095 21.894 358 2.457 5.027 122 308 822 2.861 411 731 528 444 25 594 444 190 924 81 319 1.461 492 93 116 152 179 505 168 102 106 42 40 676

4.537 1.126 22.176 423 2.500 5.287 134 325 917 2.766 428 703 582 449 26 615 598 203 732 88 328 1.613 515 96 122 161 188 550 202 98 122 43 39 669

4.300 1.064 24.107 368 2.775 5.408 132 334 946 2.660 444 665 540 415 32 655 589 204 876 82 294 1.581 508 100 121 162 191 545 192 102 131 49 42 356

4.512 1.143 24.630 375 2.952 5.461 123 348 977 2.668 461 709 610 384 32 718 604 214 902 92 313 1.650 533 102 128 178 202 579 195 109 136 52 53 354


45.241

48.304

49.361

50.969

52.497

Total

61



Tabel 1.59 NPL Yang Penarikannya Menggunakan Kartu (NPL Withdrawn by Credit Card) Miliar Rp (Billion Rp) Kelompok Bank

2010 2005 2006 2007 2008

2009

Apr

Mei

Jun

Jul

2011

Ags

Sep

Okt

Nov

Des

Jan

Feb Mar

Group of Bank

Apr

1. Bank Persero

-

-

-

270

196

144

140

136

133

139

131

143

144

146

155

158

154

157

1. State Owned Banks

2. BUSN Devisa

-

-

-

273

457

971

424

444

435

434

449

477

483

489

516

474

461

450

2. Foreign Exchange Commercial Banks

3. BUSN Non Devisa

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

3. Non-Foreign Exchange

4. Regional Development Banks

Commercial Banks 4. BPD

-

-

-

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

5. Bank Campuran

-

-

-

157

226

107

109

136

150

156

172

219

240

241

231

228

219

212

5. Joint Venture Banks

6. Bank Asing

-

-

-

2.505

3.029

1.359

1.388

1.387

1.419

1.441

1.437

1.516

603

668

663

660

677

694

6. Foreign Owned Banks

7. Bank Umum

-

-

-

3.205

3.908

2.582

2.062

2.103

2.138

2.171

2.189

2.356

1.470

1.543

1.565

1.520

1.511

1.514

62

7. Commercial Banks



Tabel 1.60 Non Performing Loan MKM dan UMKM Menurut Kelompok Bank (NPL of Micro, Small, and Medium & NPL of Micro, Small and Medium Entreprises based on Group Bank) Miliar Rp (Billion Rp) Kelompok Bank MKM 1. Bank Persero 2. Bank Pemerintah Daerah

2 0 1 0*) 2005 2006 2007 2008

2011

Group of Bank

2009 Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

10.459 11.987

-

-

8.178

7.812

9.784

8.996

9.882

9.069

9.418

9.716

9.474

9.890

11.770

-

-

1.130

1.195

1.661

2.325

2.523

2.497

2.627

2.666

2.676

2.863

2.863

2.362

Jan

2.604

Feb

Mar

Apr

12.578

12.374

13.072

2.743

2.879

3.039

1. State Owned Banks 2. Regional Development Banks

3. Bank Swasta Nasional

-

-

6.942

7.440

8.467

9.225

9.407

9.107

9.448

9.626

9.841

9.840

9.921

9.505 10.110

10.507

10.327

10.658

3. Foreign Exchange Commercial Banks

4. Bank Asing dan

-

-

1.331

2.356

2.809

2.881

3.014

2.854

2.743

3.024

3.453

3.111

2.069

1.749

1.466

1.361

1.814

1.971

Foreign Owned Banks

Campuran Jumlah

4. Joint Venture Banks and

17.581 18.803

22.720 23.427

24.826 23.527 24.236 25.032

25.443 25.704

26.623

24.075 26.167

Total

27.189

27.394

28.739

8.842

9.345

9.799

9.867


-

1.966

1.853

2.021

2.062

2. Regional Development

-

5.018

5.100

5.160

5.140

3. Foreign Exchange

-

-

1. Bank Persero

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2. Bank Pemerintah Daerah

-

-

-

-

-

-

-

-

-

-

-

-

-


-

-

-

-

-

-

-

-

-

-

-

-

-

UMKM1)

Banks

Commercial Banks 4. Bank Asing dan

-

-

-

-

-

-

-

-

-

-

-

-

-

-

295

273

261

260

Foreign Owned Banks

Campuran Jumlah

4. Joint Venture Banks and

-

-

-

-

-

Ket: Lihat penjelasan hal. iv *) Angka sementara 1) Sejak Januari 2011 menggunakan angka berdasarkan nilai wajar

-

-

-

-

-

-

-

-

-

16.122

16.571

17.241

17.329

Total

Note: See the explanation page iv *) Provisional 1) since January 2011, micro, small & medium credit are presented according to the fair value

63



Tabel 1.61 Non Performing Loan Rincian Kredit MKM dan UMKM Menurut Kelompok Bank (NPL Detail of Micro, Small and medium & NPL Detail of Micro, Small and Medium Entreprises based on group of bank) Miliar Rp (Billion Rp) Kelompok Bank MKM 1. Bank Persero Mikro Kecil Menengah 2. BPD

2005 2006 2007 2008

2009

Apr

Mei

Jun

2 0 1 0*) Jul Ags Sep

Okt

Nov

Des

Jan

2011 Feb Mar

Apr

-

-

-

7.812 4.137 1.490 2.185 1.195

9.784 4.941 2.085 2.758 1.661

8.996 3.168 2.638 3.191 2.325

9.882 3.278 2.957 3.647 2.523

9.069 3.340 2.623 3.106 2.497

9.418 3.430 2.716 3.273 2.627

9.716 3.455 2.794 3.467 2.666

9.474 3.456 2.764 3.254 2.676

9.890 11.770 10.459 3.546 3.652 3.491 2.842 3.401 3.005 3.501 4.717 3.963 2.863 2.863 2.362

11.987 12.578 12.374 13.072 3.941 4.136 3.862 4.069 3.456 3.642 3.673 4.015 4.589 4.800 4.838 4.988 2.604 2.743 2.879 3.039

Mikro Kecil Menengah 3. Bank Swasta Nasional Mikro Kecil Menengah 4. Bank Asing dan Campuran Mikro Kecil Menengah

-

-

-

494 482 219 7.440 1.829 2.313 3.299 2.356

540 697 424 8.467 2.132 2.399 3.936 2.809

734 926 665 9.225 2.090 2.676 4.459 2.881

754 1.019 750 9.407 1.978 2.818 4.612 3.014

738 996 764 9.107 1.844 2.761 4.502 2.854

748 1.043 836 9.448 2.008 2.842 4.598 2.743

744 1.084 839 9.626 2.072 2.968 4.586 3.024

738 1.083 856 9.841 2.136 3.054 4.650 3.453

764 1.127 972 9.840 2.137 3.069 4.635 3.111

762 1.100 1.001 9.921 2.218 3.125 4.578 2.069

501 961 900 9.505 2.665 2.851 3.989 1.748

505 566 547 588 1.053 1.116 1.150 1.227 1.046 1.061 1.181 1.224 10.110 10.507 10.327 10.658 2.732 2.950 2.883 2.896 3.066 3.209 3.138 3.310 4.311 4.349 4.307 4.452 1.466 1.361 1.814 1.971

-

-

-

1.567 151 638

1.888 211 711

1.872 500 509

2.116 472 425

1.807 488 560

1.825 500 418

2.044 543 437

2.439 564 450

2.061 577 473

1.143 451 475

832 457 459

Jumlah

-

-

- 18.803

UMKM1) 1. Bank Persero Mikro Kecil Menengah 2. BPD

-

-

-

-

-

-

-

-

-

-

-

-

-

-

8.842 1.251 4.799 2.793 1.966

9.345 1.361 4.952 3.032 1.853

9.799 1.448 5.512 2.839 2.021

9.867 1.363 5.433 3.071 2.062


-

-

-

-

-

-

-

-

-

-

-

-

-

-

190 1.206 570 5.018 661 1.556 2.801 295

194 1.302 357 5.100 727 1.593 2.780 273

204 1.298 519 5.160 734 1.592 2.834 261

206 1.298 558 5.140 731 1.636 2.773 260

-

-

-

-

-

-

-

-

-

-

-

-

-

-

42 22 231

36 17 220

37 20 204

34 20 205

Jumlah

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Ket:

*) 1)

64

22.720 23.427 24.826 23.527

Angka sementara Sejak Februari 2011 menggunakan angka berdasarkan nilai wajar

24.236 25.032 25.443 25.704 26.623 24.075

Note:

*) 1)

642 448 377

687 418 256

1.147 442 225

Group of Bank

1.267 451 1.435

26.167 27.189 27.394 28.739

16.122 16.571 17.241 17.329

1. State Owned Banks Micro Small Medium 2. Regional Development Banks Micro Small Medium 3. Commercial Banks Micro Small Medium 4. Foreign Owned Banks and Joint Venture Banks Micro Small Medium Total 1. State Owned Banks Micro Small Medium 2. Regional Development Banks Micro Small Medium 3. Commercial Banks Micro Small Medium 4. Foreign Owned Banks and Joint Venture Banks Micro Small Medium Total

Provisional since January 2011, micro, small & medium credit are presented according to the fair value



Tabel 1.62 Non Performing Loan MKM dan UMKM Berdasarkan Jenis Penggunaan (NPL of Micro, small and Medium & NPL of Micro, Small and Medium Entreprises based in type of Use) Miliar Rp (Billion Rp) Jenis Penggunaan

2005 2006 2007 2008

2009

Apr

Mei

Jun

2 0 1 0*) Ags Sep

Jul

Okt

Nov

Des

Jan

Type of Use

2011 Feb Mar

Apr

15.740 15.536 -

16.184 -

MKM Modal Kerja - Properti - Agrobisnis - Lainnya

-

-

- 10.393 171 271 - 9.951

Investasi - Properti - Agrobisnis - Lainnya

-

-

-

2.365 70 518 1.777

2.841 64 597 2.181

3.012 285 20 2.707

3.133 291 26 2.816

2.831 239 30 2.563

3.099 235 33 2.831

3.051 251 37 2.763

2.797 243 33 2.520

2.949 217 37 2.695

2.983 237 36 2.710

2.682 216 30 2.436

3.046 -

3.146 -

3.069 -

3.212 -

Investment - Property - Agro-business - Others

Konsumsi - KPR dan Apartemen s.d Tipe 70

-

-

-

6.046 1.430

7.212 1.631

8.154 2.141

8.819 2.499

8.359 2.491

8.433 2.465

8.653 2.448

9.197 2.517

9.027 2.663

8.375 2.631

7.384 2.120

8.032 -

8.303 -

8.788 -

9.343 -

- KPR dan Apartemen > Tipe 70 - Ruko dan Rukan

-

-

-

1.052

1.301

893

806

777

759

866

901

800

856

848

-

-

-

-

-

-

-

161

207

121

140

133

138

181

173

174

174

174

-

-

-

-

- Lainnya

-

-

-

3.403

4.073

4.998

5.374

4.959

5.071

5.159

5.605

5.390

4.714

4.242

-

-

-

-

Consumption - Housing and Apartement up to Type 70 - Housing and Apartement > Type 70 - Shop houses and Shop-offices - Others

Jumlah

-

-

- 18.803

24.075 26.167

27.189 27.394

28.739

Total

UMKM 1) Modal Kerja

-

-

-

-

-

-

-

-

-

-

-

-

-

- 13.232

13.594 14.249

14.374

Working Capital

Investasi

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2.890

2.976

2.992

2.954

Tidak Teridentifikasi

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

1

-

0

Jumlah

-

-

-

-

-

-

-

-

-

-

-

-

-

- 16.122

16.571 17.241

17.329

Ket:

*) 1)

12.667 12.261 12.875 12.337 12.704 13.329 13.450 13.729 15.265 999 1.206 1.113 1.109 1.132 1.093 1.296 1.426 264 24 20 19 18 20 21 20 20 285 12.119 11.239 11.649 11.205 11.577 12.177 12.335 12.413 13.819

22.720 23.427 24.826 23.527 24.236 25.032 25.443 25.704 26.623

Angka sementara Sejak Januari 2011 menggunakan angka berdasarkan nilai wajar

Note:

*) 1)

14.009 15.088 1.142 16 12.851 -

Working Capital - Property - Agro-business - Others

Investment Un-identified Total

Provisional since January 2011, micro, small & medium credit are presented according to the fair value

65



Tabel 1.63 Non Performing Loan MKM dan UMKM Berdasarkan Sektor Ekonomi (NPL of Micro, Small and Medium and NPL of Micro, Small and Medium Entreprises based on Economic Sector) Miliar Rp (Billion Rp) Sektor Ekonomi MKM 1. Pertanian, perburuan dan sarana pertanian 2. Pertambangan 3. Perindustrian 4. Listrik, gas dan air 5. Konstruksi 6. Perdagangan, restoran dan hotel 7. Pengangkutan, pergudangan dan komunikasi 8. Jasa Dunia usaha 9. Jasa sosial/masyarakat 10. Lain-lain Jumlah UMKM 1) 1. Pertanian, Perburuhan, dan Kehutanan 2. Perikanan 3. Pertambangan dan Penggalian 4. Industri Pengolahan 5. Listrik, Gas dan Air 6. Konstruksi 7. Perdagangan Besar dan Eceran 8. Penyediaan Akomodasi dan Penyedian Makan Minum 9. Transportasi, Pergudangan dan Komunikasi 10. Perantara Keuangan 11. Real Estate, Usaha Persewaan, dan jasa perusahaan 12. Administrasi Pemerintahan, Pertanahan Dan Jaminan Sosial Wajib 13. Jasa Pendidikan 14. Jasa Kesehatan dan Kegiatan Sosial 15. Jasa Kemasyarakatan, Sosial Budaya, Hiburan dan Perorangan Lainnya 16. Jasa Perorangan yang Melayani Rumah Tangga 17. Kegiatan Usaha yang Belum Jelas Batasannya 18. Bukan Lapangan Usaha Rumah Tangga 19. Bukan Lapangan Usaha Lainnya 20. Tidak Teridentifikasi Total

Ket:

66

*)

2005 2006 2007 2008 2009

Apr

Mei

2 0 1 0*) Jul Ags Sep

Jun

Okt

Nov

Des

2011 Feb Mar

Jan

Economic Sector

Apr

-

-

-

1.134

1.441

798

725

615

826

866

865

861

918

702

735

812

826

812

1.

-

-

-

100 3.774 8 888 6.301

93 2.603 18 1.183 7.879

128 2.437 15 1.170 7.052

157 2.582 20 1.438 7.118

286 2.412 20 1.280 6.613

119 2.581 20 1.264 8.030

125 2.606 21 1.307 8.280

195 2.598 20 1.251 8.192

104 2.637 21 1.421 8.250

110 2.681 28 1.573 9.503

124 2.454 30 1.270 8.758

137 2.662 30 1.347 9.406

130 2.857 32 1.400 9.604

131 2.665 27 1.429 9.747

132 2.837 44 1.510 9.959

2. 3. 4. 5. 6.

-

-

-

394

414

594

595

587

577

565

586

599

563

458

567

1.000

670

725

7.

-

-

-

1.108 270 6.736

1.396 292 7.401

1.074 757 9.402

1.117 804 10.269

938 985 9.791

933 976 8.910

941 1.072 9.249

1.044 994 9.698

1.106 1.185 9.520

1.125 1.015 9.107

1.335 929 8.015

932 1.749 8.603

593 1.854 8.906

584 1.929 9.386

596 2.169 9.956

-

-

-

20.712

22.720

23.427

24.826

23.527

24.236

25.032

25.443

25.704

26.623

24.075

26.167

27.189

27.394

28.739

-

-

-

-

-

-

-

-

-

-

-

-

-

-

788

809

870

803

1.

-

-

-

-

-

-

-

-

-

-

-

-

-

-

92 159

84 112

76 162

72 150

2. 3.

Agriculture, hunting, and forestry Fishery Mining and quarrying

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2.316 41 1.403 7.905

2.478 51 1.308 8.179

2.520 28 1.363 8.509

2.548 23 1.389 8.438

4. 5. 6. 7.

Processing industry Electricity, gas and water Construction Wholesale and retail trade

-

-

-

-

-

-

-

-

-

-

-

-

-

-

351

363

384

359

8.

-

-

-

-

-

-

-

-

-

-

-

-

-

-

432

428

427

416

9.

-

-

-

-

-

-

-

-

-

-

-

-

-

-

93 542

103 295

82 511

92 516

10. 11.

-

-

-

-

-

-

-

-

-

-

-

-

-

5

5

7

8

12.

-

-

-

-

-

-

-

-

-

-

-

-

-

-

18 237

20 233

27 251

23 257

13. 14.

-

-

-

-

-

-

-

-

-

-

-

-

-

-

564

576

615

615

15.

-

-

-

-

-

-

-

-

-

-

-

-

-

-

82

86

91

99

16.

-

-

-

-

-

-

-

-

-

-

-

-

-

-

3

4

5

45

17.

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1.085

1.207

1.313

1.477

18.

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-

-

19.

229

0

0

20.

Provision of accommodation and theprovisionofeatinganddrinking Transportation, warehousing and communications Financial intermediaries Real estate, Business Ownership, and Business Services Government administration, defense and compulsory social security Education services Health services and social activities Social services, social, cultural, entertainment and other individual Individual services which serve households Business activities are not clearly defined Not the business field households Not the business field other Un-identified

16.571

17.241

17.329

-

-

-

-

-

-

-

-

-

-

-

-

-

-

3

-

-

-

-

-

-

-

-

-

-

-

-

-

-

16.122

Angka sementara 1) Sejak Januari 2011 menggunakan angka berdasarkan nilai wajar

Note:

Agriculture, hunting and agricultural facilities Mining Manufacturing Electricity, gas and water Construction Trade, restaurants and hotels

Transportation, warehousing and communications 8. Business Services 9. Social Services 10. Others Total

Total

*)

Provisional

1)

since January 2011, micro, small & medium credit are presented according to the fair value



Tabel 1.64 Non Performing Loan Penerusan Kredit (Non Performing Loan Channelling Credit) Off-Balance Sheet Miliar Rp (Billion Rp) Kelompok Bank Bank Persero - Non Performing Penerusan Kredit - Total Penerusan Kredit - Rasio Non Performing (%) BUSN Devisa

2010 2005 2006 2007 2008

2009

2011

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

4.616

4.911

4.766

5.458

4.761

4.742

4.728

5.428

4.717

4.698

4.680

5.624

29.670 35.766 38.318 40.613 27.403 26.475 18,70 20,26 12,64 14,23 17,86 17,44

26.627 18,44

26.324 26.405 18,10 20,67

27.189 17,51

27.074 27.162 17,52 17,41

26.672 20,35

5.549

7.244

4.844

5.780

4.895

26.939 26.831 17,51 17,51

Apr

26.454 26.110 17,69 21,54

- Non Performing Penerusan Kredit - Total Penerusan Kredit - Rasio Non Performing (%) BUSN Non Devisa

1.295

1.628

1.742

1.850

1.945

585

477

478

478

460

478

479

435

434

435

435

434

2.822 45,89

2.869 56,73

2.883 60,42

2.854 64,81

2.879 67,55

783 74,76

679 70,25

684 69,83

688 69,49

692 66,36

704 67,92

710 67,51

679 64,14

679 63,92

674 64,49

669 65,00

666 65,24

- Non Performing Penerusan Kredit - Total Penerusan Kredit - Rasio Non Performing (%) BPD - Non Performing Penerusan Kredit - Total Penerusan Kredit - Rasio Non Performing (%) Bank Campuran - Non Performing Penerusan Kredit - Total Penerusan Kredit - Rasio Non Performing (%) Bank Asing - Non Performing Penerusan Kredit - Total Penerusan Kredit - Rasio Non Performing (%) Bank Umum - Non Performing Penerusan Kredit - Total Penerusan Kredit - Rasio Non Performing (%)

15

12

12

11

4

4

4

25

21

21

21

21

21

21

21

21

34

42 34,52

41 30,03

41 29,95

39 28,89

18 23,66

16 27,94

16 27,94

62 39,84

62 34,11

62 34,05

62 34,15

62 34,18

62 34,19

62 33,27

50 41,23

63 32,53

63 54,16

1.150

1.196

1.202

1.359

1.404

1.470

1.447

1.395

1.458

1.461

1.461

1.449

1.453

1.456

1.446

1.475

1.444

1.982 58,04

2.035 58,80

2.280 52,73

2.389 56,88

2.593 54,14

2.333 63,01

2.310 62,67

2.243 62,18

2.283 63,88

2.253 64,82

2.243 65,15

2.212 65,50

2.308 62,97

2.479 58,73

2.492 58,02

2.835 52,04

2.527 57,14

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

8.009 10.081

7.801

9.000

8.247

6.676

6.860

6.663

7.416

6.702

6.703

6.677

7.337

6.628

6.599

6.611

7.537

34.517 40.710 43.675 45.962 32.893 29.606 23,20 24,76 17,86 19,58 25,07 22,55

29.679 23,12

29.314 29.439 22,73 25,19

30.197 22,19

30.083 30.145 22,28 22,15

29.720 24,69

30.160 30.048 21,98 21,96

30.021 29.367 22,02 25,67

Group of Bank

State Owned Banks 4.925 - Non Performing Channelling Credit 26.053 - Total Channelling Credit 18,90 - Non Performing Ratio (%) Foreign Exchange Commercial Banks 434 - Non Performing Channelling Credit 662 - Total Channelling Credit 65,54 - Non Performing Ratio (%) Non-Foreign Exchange Commercial Banks 34 - Non Performing Channelling Credit 63 - Total Channelling Credit 54,08 - Non Performing Ratio (%) Regional Development Banks 1.454 - Non Performing Channelling Credit 2.276 - Total Channelling Credit 63,88 - Non Performing Ratio (%) Joint Venture Banks - - Non Performing Channelling Credit - - Total Channelling Credit - - Non Performing Ratio (%) Foreign Owned Banks - - Non Performing Channelling Credit - - Total Channelling Credit - - Non Performing Ratio (%) Commercial Banks 6.847 - Non Performing Channelling Credit 29.054 - Total Channelling Credit 23,57 - Non Performing Ratio (%)

67



Tabel 1.65 Komposisi DPK Bank Umum (Composition of Third Party Funds of Commercial Banks) Miliar Rp (Billion Rp)

Indikator

Desember 2006

Desember 2007

Desember 2008

Desember 2009

April 2010

Desember 2010

Komposisi thd Total DPK (%) Nominal (Composition to Total Third Party Funds) (%)






Demand Deposits Rupiah Foreign Exchange

47,35 1.069.811 40,53 928.089 6,82 141.723

45,74 1.077.436 39,68 939.649 6,06 137.787

46,04 40,15 5,89

Time Deposits Rupiah Foreign Exchange

29,31 27,02 2,29

31,35 29,02 2,33

734.494 676.662 57.831

31,39 28,91 2,47

Savings Deposits Rupiah Foreign Exchange

100 2.340.213 85,11 1.989.797 14,89 350.415

100 85,03 14,97

Total Third Party Funds Rupiah Foreign Exchange

26,26 19,39 6,87

405.551 309.335 96.216

26,84 20,47 6,37

430.000 307.743 122.257

24,53 17,55 6,97

465.222 332.198 133.024

23,85 17,03 6,82

462.098 324.624 137.474

23,33 16,39 6,94

Deposito Rupiah Valas

615.163 510.008 105.155

47,79 39,62 8,17

666.708 540.982 125.726

44,13 35,81 8,32

824.704 675.983 148.722

47,04 38,56 8,48

899.783 761.844 137.939

46,13 39,05 7,07

937.837 802.754 135.083

Tabungan Rupiah Valas

333.928 333.873 55

25,94 25,94 0,00

438.574 434.480 4.095

29,03 28,76 0,27

498.587 476.717 21.870

28,44 27,19 1,25

585.707 544.411 41.295

30,03 27,91 2,12

580.515 535.158 45.357

Total DPK Rupiah Valas

1.287.102 1.093.445 193.657

68

100 1.950.712 83,30 1.638.454 16,70 312.258

100 1.980.450 83,99 1.662.536 16,01 317.915

Indicator

22,57 15,96 6,61

338.011 249.564 88.447

100 1.753.292 85,04 1.460.443 14,96 292.849

Komposisi thd Total DPK (%) Nominal (Composition to Total Third Party Funds) (%) 528.283 373.486 154.797

Giro Rupiah Valas

100 1.510.834 84,95 1.284.797 15,05 226.037

April 2011

535.855 383.808 152.047

733.157 678.621 54.536

100 2.338.824 83,95 1.990.518 16,05 348.306

22,91 16,41 6,50



Tabel 1.66 Komposisi DPK Bank Persero (Composition of Third Party Funds of State Owned Banks) Miliar Rp (Billion Rp)

Indikator

Desember 2006

Desember 2007

Desember 2008

Desember 2009

April 2010

Desember 2010







April 2011 Komposisi thd Total DPK (%) Nominal (Composition to Total Third Party Funds) (%)

Indicator

Giro Rupiah Valas

112.324 88.947 23.377

23,38 18,52 4,87

146.613 121.749 24.865

25,68 21,32 4,35

151.767 123.438 28.329

22,66 18,43 4,23

172.602 136.512 36.090

22,03 17,43 4,61

147.177 111.735 35.442

19,78 15,01 4,76

194.533 152.770 41.763

21,65 17,00 4,65

157.269 114.651 42.618

18,87 13,76 5,11



207.536 176.718 30.818

43,20 36,79 6,42

215.871 179.313 36.559

37,81 31,40 6,40

280.614 235.219 45.395

41,89 35,12 6,78

332.201 274.965 57.236

42,41 35,10 7,31

337.983 283.427 54.556

45,41 38,08 7,33

380.106 328.677 51.429

42,31 36,58 5,72

365.736 319.730 46.007

43,88 38,36 5,52



160.534 160.496 38

33,42 33,41 0,01

208.524 208.490 33

36,52 36,51 0,01

237.446 230.047 7.399

35,45 34,34 1,10

278.581 268.894 9.687

35,56 34,32 1,24

259.077 248.952 10.126

34,81 33,45 1,36

323.767 311.891 11.876

36,04 34,72 1,32

310.438 298.128 12.310

37,25 35,77 1,48



480.394 426.160 54.234

100 88,71 11,29

571.008 509.552 61.456

100 89,24 10,76

669.827 588.704 81.123

100 87,89 12,11

783.384 680.371 103.013

100 86,85 13,15

744.237 644.113 100.123

100 86,55 13,45

898.405 793.338 105.067

100 88,31 11,69

833.443 732.508 100.935

100 87,89 12,11


69



Tabel 1.67 Komposisi DPK BUSN Devisa (Composition of Third Party Funds of Foreign Exchange Commercial Banks) Miliar Rp (Billion Rp)

Indikator

Desember 2006

Desember 2007

Desember 2008

Desember 2009

April 2010

Desember 2010








Indicator

Giro Rupiah Valas

104.100 68.884 35.216

19,82 13,12 6,71

128.178 91.502 36.676

21,12 15,08 6,04

137.481 89.607 47.875

19,59 12,77 6,82

153.929 104.102 49.827

19,71 13,33 6,38

162.046 105.076 56.970

20,33 13,18 7,15

195.216 133.895 61.322

20,02 13,73 6,29

195.627 134.490 61.137

19,48 13,39 6,09



279.736 244.890 34.845

53,27 46,63 6,63

294.304 252.222 42.082

48,49 41,56 6,93

361.058 309.732 51.326

51,45 44,14 7,31

372.792 326.063 46.729

47,73 41,75 5,98

385.239 335.389 49.850

48,32 42,07 6,25

464.038 407.603 56.435

47,58 41,79 5,79

470.751 412.962 57.789

46,88 41,13 5,76



141.341 141.324 17

26,91 26,91 0,00

184.450 184.429 21

30,39 30,39 0,00

203.171 198.120 5.051

28,95 28,23 0,72

254.350 238.632 15.718

32,56 30,55 2,01

249.969 232.850 17.118

31,35 29,21 2,15

316.054 294.034 22.020

32,41 30,15 2,26

337.689 312.600 25.090

33,63 31,13 2,50



525.177 455.098 70.079

100 86,66 13,34

606.932 528.154 78.778

100 87,02 12,98

701.710 597.459 104.251

100 85,14 14,86

781.072 668.798 112.274

100 85,63 14,37

797.254 673.315 123.938

100 84,45 15,55

975.308 835.532 139.777

100 1.004.067 85,67 860.052 14,33 144.016

100 85,66 14,34


70



Tabel 1.68 Komposisi DPK BUSN Non Devisa (Composition of Third Party Funds of Non-Foreign Exchange Commercial Banks) Miliar Rp (Billion Rp)

Indikator

Desember 2006

Desember 2007

Desember 2008

Desember 2009





April 2010

Desember 2010




Indicator

Giro Rupiah Valas

1.811 1.811 -

7,41 7,41 -

2.195 2.195 -

7,20 7,20 -

1.779 1.779 0

5,36 5,36 0

2.184 2.183 0

4,96 4,96 0

1.903 1.903 -

4,22 4,22 -

2.745 2.745 -

4,66 4,66 -

2.691 2.691 -

4,42 4,42 -



20.234 20.234 -

82,85 82,85 -

25.103 25.103 -

82,33 82,33 -

28.059 28.059 -

84,48 84,48 -

37.635 37.635 0

85,57 85,57 0

38.786 38.786 -

86,07 86,07 -

50.026 50.026 -

84,86 84,86 -

51.193 51.193 -

84,12 84,12 -



2.379 2.379 -

9,74 9,74 -

3.194 3.194 -

10,48 10,48 -

3.375 3.375 -

10,16 10,16 -

4.161 4.161 -

9,46 9,46 -

4.373 4.373 -

9,70 9,70 -

6.178 6.178 -

10,48 10,48 -

6.973 6.973 -

11,46 11,46 -



24.423 24.423 -

100 100 -

30.491 30.491 -

100 100 -

33.213 33.213 0

100 100 0

43.980 43.979 0

100 100 0

45.062 45.062 -

100 100 -

58.950 58.950 -

100 100 -

60.857 60.857 -

100 100 -


71



Tabel 1.69 Komposisi DPK BPD (Composition of Third Party Funds of Regional Development Banks) Miliar Rp (Billion Rp)

Indikator

Desember 2006

Desember 2007

Desember 2008

Desember 2009

April 2010

Desember 2010








Indicator

Giro Rupiah Valas

74.723 74.692 31

57,86 57,84 0,02

69.289 69.123 167

51,60 51,47 0,12

70.746 70.653 93

49,38 49,32 0,07

63.848 63.553 294

41,94 41,74 0,19

80.404 80.198 206

43,69 43,58 0,11

62.196 61.725 471

33,87 33,61 0,26

90.022 89.689 334

41,05 40,89 0,15



29.409 29.365 44

22,77 22,74 0,03

31.792 31.750 42

23,67 23,64 0,03

35.015 34.877 138

24,44 24,34 0,10

44.673 44.148 525

29,34 29,00 0,34

66.871 66.280 591

36,33 36,01 0,32

67.815 67.365 450

36,93 36,69 0,24

83.653 83.266 387

38,14 37,97 0,18



25.008 25.008 -

19,37 19,37 -

33.205 33.205 -

24,73 24,73 -

37.498 37.497 1

26,17 26,17 0,00

43.728 43.724 4

28,72 28,72 0,00

36.767 36.751 16

19,98 19,97 0,01

53.614 53.595 19

29,20 29,19 0,01

45.641 45.622 19

20,81 20,80 0,01



129.141 129.065 75

100 99,94 0,06

134.287 134.077 209

100 99,84 0,16

143.262 143.027 235

100 99,84 0,16

152.251 151.425 826

100 99,46 0,54

184.041 183.230 812

100 99,56 0,44

183.624 182.685 939

100 99,49 0,51

219.317 218.577 740

100 99,66 0,34


72



Tabel 1.70 Komposisi DPK Bank Campuran (Composition of Third Party Funds of Joint Venture Banks) Miliar Rp (Billion Rp)

Indikator

Desember 2006

Desember 2007

Desember 2008

Desember 2009






Desember 2010 Komposisi thd Total DPK (%) Nominal (Composition to Total Third Party Funds) (%)


Indicator

Giro Rupiah Valas

10.125 2.715 7.410

28,18 7,56 20,62

13.267 4.112 9.155

24,15 7,48 16,67

18.872 4.976 13.896

24,54 6,47 18,07

21.472 7.136 14.336

22,66 7,53 15,13

18.052 6.358 11.694

20,42 7,19 13,23

22.280 7.984 14.295

22,70 8,13 14,56

21.909 7.868 14.041

22,89 8,22 14,67



24.577 12.173 12.405

68,41 33,88 34,53

40.196 21.197 18.999

73,17 38,59 34,59

55.007 29.691 25.315

71,53 38,61 32,92

65.871 43.203 22.668

69,51 45,59 23,92

59.008 42.498 16.510

66,76 48,08 18,68

61.374 40.151 21.223

62,52 40,90 21,62

59.101 38.299 20.802

61,76 40,02 21,74



1.224 1.224 -

3,41 3,41 -

1.471 1.471 -

2,68 2,68 -

3.023 3.023 -

3,93 3,93 -

7.418 3.983 3.436

7,83 4,20 3,63

11.323 4.453 6.870

12,81 5,04 7,77

14.507 6.156 8.351

14,78 6,27 8,51

14.688 6.230 8.458

15,35 6,51 8,84



35.927 16.112 19.815

100 44,85 55,15

54.934 26.779 28.154

100 48,75 51,25

76.902 37.691 39.211

100 49,01 50,99

94.761 54.321 40.440

100 57,32 42,68

88.384 53.309 35.074

100 60,32 39,68

98.161 54.292 43.869

100 55,31 44,69

95.698 52.396 43.301

100 54,75 45,25


73



Tabel 1.71 Komposisi DPK Bank Asing (Composition of Third Party Funds of Foreign Owned Banks) Miliar Rp (Billion Rp)

Indikator

Desember 2006

Desember 2007

Desember 2008

Desember 2009






Desember 2010 Komposisi thd Total DPK (%) Nominal (Composition to Total Third Party Funds) (%)


Indicator

Giro Rupiah Valas

34.927 12.515 22.412

37,95 13,60 24,35

46.009 20.655 25.353

40,65 18,25 22,40

49.354 17.290 32.064

38,44 13,47 24,98

51.854 19.242 32.612

44,10 16,36 27,73

52.516 19.353 33.163

43,23 15,93 27,30

58.886 24.689 34.197

47,35 19,85 27,49

60.765 24.098 36.667

47,91 19,00 28,91



53.671 26.629 27.042

58,31 28,93 29,38

59.443 31.398 28.045

52,52 27,74 24,78

64.952 38.405 26.547

50,59 29,92 20,68

48.537 32.267 16.270

41,28 27,44 13,84

49.951 36.374 13.577

41,12 29,94 11,18

46.452 34.265 12.187

37,35 27,55 9,80

47.002 34.201 12.801

37,06 26,97 10,09



3.442 3.442 -

3,74 3,74 -

7.730 3.690 4.040

6,83 3,26 3,57

14.071 4.654 9.417

10,96 3,63 7,34

17.203 6.222 10.982

14,63 5,29 9,34

19.006 7.779 11.227

15,65 6,40 9,24

19.038 6.768 12.270

15,31 5,44 9,87

19.064 7.109 11.955

15,03 5,61 9,43



92.040 42.586 49.455

100 46,27 53,73

113.182 55.743 57.438

100 49,25 50,75

128.377 60.349 68.028

100 47,01 52,99

117.594 57.731 59.864

100 49,09 50,91

121.473 63.506 57.967

100 52,28 47,72

124.376 65.722 58.653

100 52,84 47,16

126.831 65.408 61.423

100 51,57 48,43


74



Tabel 1.72 Peringkat Bank Berdasarkan Dana Pihak Ketiga (Bank Rating Based on Third Party Funds) Miliar Rp (Billion Rp) Desember 2006

Peringkat



Desember 2007




Desember 2008




Desember 2009



April 2010





1

PT Bank Mandiri

197.438

15,34

PT Bank Mandiri

235.802

15,61 PT Bank Mandiri

273.566

15,60 PT Bank Mandiri (Persero) Tbk

299.722

15,36

PT Bank Mandiri (Persero) Tbk

2


152.737

11,87


189.178


209.535

11,95 PT BRI (Persero) Tbk.

254.790

13,06


3

PT BNI Tbk

135.912

10,56

PT BRI

164.997

10,92 PT BRI

201.093

11,47 PT Bank Central Asia Tbk.

244.666

12,54

PT BRI (Persero) Tbk.

242.893

4

PT BRI

124.674

9,69

PT BNI Tbk

145.567

9,63 PT BNI Tbk

162.775

9,28 PT BNI (Persero),Tbk

188.656

9,67

PT BNI (Persero),Tbk

173481,29

5

PT Bank Danamon Indonesia Tbk

54.378

4,22


58.047

3,84 PT Bank Danamon Indonesia Tbk

74.492

4,25 PT Bank Cimb Niaga, Tbk

86.258

4,42


6

PT Bank Niaga Tbk

39.148

3,04

PT Bank Niaga Tbk

45.108

2,99 PT Bank CIMB Niaga Tbk

51.560


67.782

3,47


7

PT BII Tbk

37.033

2,88

PT BII Tbk

37.006

2,45 PT Pan Indonesia Bank Tbk

46.254

2,64 PT Pan Indonesia Bank, Tbk

56.307

2,89

PT Pan Indonesia Bank, Tbk

8

PT Bank Permata Tbk

28.660

2,23

Citibank N.A

31.828

2,11 PT BII Tbk

43.712

2,49 PT BII Tbk

47.515

2,44

PT BII Tbk

9

Citibank N.A

27.062

2,10

PT Pan Indonesia Bank Tbk

31.364

2,08 PT Bank Permata Tbk

42.803


45.751

2,35

PT Bank Permata Tbk

#

PT Lippo Bank Tbk

26.693

2,07

PT Lippo Bank Tbk

30.366

2,01 Citibank N.A

34.289

1,96 PT BTN (Persero)

40.216

2,06

Total

823.735

64,00

Total

969.264

64,15 Total

1.331.664

68,27

1.140.078

65,03 Total

289.408 244029,62

97.073 65411,152 58.667 48114,806

Desember 2010 Pangsa thd Total Aset Bank Umum (%) (Portion to Total Assets at Commercial Banks)


April 2011




Rating


332.728


320.825

13,71

1


328.779


284.079

12,14

2


277.534


279.235

11,93

3


189.351


179.705

7,68

4

117.820


118.815

5,08

5

80.225


82.015

3,50

6

75.055


79.690

3,41

7

59.979


65.766

2,81

8

4,90


3,3028 PT Bank Danamon Indonesia Tbk 2,96 PT Pan Indonesia Bank, Tbk 2,4295 PT BII Tbk

47.971


59.512

2,54 PT BII Tbk

61.517

2,63

9

PT BTN (Persero)

38454,677

1,9417 PT BTN (Persero), Tbk

47.547

2,03 PT BTN (Persero), Tbk

48.835

2,09

10

Total

1.305.504

65,92 Total

1.520.480

64,97

1.568.529

67,06 Total

75



Tabel 1.73 Komposisi DPK Berdasarkan Lokasi Penghimpunan - April 2011 (Composition of Third Party Funds Based on Location - April 2011) Miliar Rp (Billion Rp) Giro (Demand Deposits)

Lokasi Rupiah

Valas (Foreign Exchange)

Tabungan (Savings Deposits) Rupiah


Deposito (Time Deposits) Rupiah


Total DPK (Total Third Party Funds) Rupiah


Total

Pangsa Thd Total DPK (%) (Portion to Total Third Party (%)

Jawa Barat Banten DKI Jakarta D.I Yogyakarta Jawa Tengah Jawa Timur Bengkulu Jambi Nanggroe Aceh Darussalam Sumatera Utara Sumatera Barat Riau Sumatera Selatan Kepulauan Riau Bangka Belitung Lampung Kalimantan Selatan Kalimantan Barat Kalimantan Timur Kalimantan Tengah Sulawesi Tengah Sulawesi Selatan Sulawesi Utara Sulawesi Barat Gorontalo Sulawesi Tenggara Nusa Tenggara Barat Bali Nusa Tenggara Timur Maluku Papua Maluku Utara Irian Jaya Barat Lainnya

26.276 8.592 180.685 3.306 13.598 29.262 1.457 2.565 5.474 15.927 4.420 7.761 5.761 4.060 1.450 3.640 4.952 4.330 11.761 2.976 1.565 5.516 2.066 533 365 1.530 1.823 6.049 3.076 1.425 7.990 744 2.549 0

6.114 2.561 113.630 388 2.952 7.357 32 378 105 3.971 541 1.430 1.287 3.460 324 473 714 509 2.406 57 65 964 244 1 8 146 80 1.846 22 35 1.369 127 22 1.181

71.341 19.251 184.657 11.446 50.423 85.168 2.846 7.599 7.886 43.396 9.423 18.453 17.125 7.406 4.893 8.746 11.634 13.066 20.785 4.919 3.978 19.773 5.443 1.057 1.225 3.634 4.609 16.729 5.027 2.747 7.751 1.642 2.580 3

3.897 876 32.531 338 2.186 6.340 23 162 72 2.947 118 428 421 1.333 85 248 379 369 1.663 37 76 528 296 0 15 119 71 1.381 77 33 109 6 56 609

70.166 24.405 550.011 7.673 38.989 81.294 949 3.920 4.296 41.632 5.822 10.565 18.428 4.383 2.607 4.237 4.570 6.228 13.544 2.626 1.712 10.896 3.817 155 729 1.345 2.257 12.106 2.779 1.732 4.001 661 1.109 6

7.950 3.238 103.174 426 2.520 8.269 10 75 54 4.757 138 435 586 531 89 220 197 138 1.427 16 28 492 192 0 11 13 32 753 40 36 364 8 50 1.517

167.783 52.247 915.353 22.425 103.011 195.724 5.252 14.084 17.656 100.956 19.665 36.779 41.314 15.848 8.951 16.622 21.157 23.624 46.090 10.521 7.256 36.185 11.327 1.744 2.319 6.510 8.689 34.883 10.882 5.903 19.742 3.046 6.238 9

17.961 6.674 249.336 1.151 7.658 21.966 65 615 231 11.675 797 2.294 2.295 5.324 497 941 1.290 1.016 5.495 110 169 1.985 732 1 34 278 183 3.981 139 104 1.842 141 128 3.307

185.745 58.921 1.164.689 23.577 110.668 217.690 5.316 14.699 17.887 112.630 20.461 39.073 43.609 21.172 9.448 17.563 22.447 24.641 51.586 10.631 7.425 38.170 12.059 1.746 2.353 6.787 8.872 38.864 11.021 6.008 21.584 3.187 6.366 3.316

7,94 2,52 49,77 1,01 4,73 9,30 0,23 0,63 0,76 4,81 0,87 1,67 1,86 0,90 0,40 0,75 0,96 1,05 2,20 0,45 0,32 1,63 0,52 0,07 0,10 0,29 0,38 1,66 0,47 0,26 0,92 0,14 0,27 0,14

Total

373.486

154.797

676.662

57.831

939.649

137.787

1.989.797

350.415

2.340.213

100

76

Location

Jawa Barat Banten DKI Jakarta D.I Yogyakarta Jawa Tengah Jawa Timur Bengkulu Jambi Nanggroe Aceh Darussalam Sumatera Utara Sumatera Barat Riau Sumatera Selatan Kepulauan Riau Bangka Belitung Lampung Kalimantan Selatan Kalimantan Barat Kalimantan Timur Kalimantan Tengah Sulawesi Tengah Sulawesi Selatan Sulawesi Utara Sulawesi Barat Gorontalo Sulawesi Tenggara Nusa Tenggara Barat Bali Nusa Tenggara Timur Maluku Papua Maluku Utara Irian Jaya Barat Others Total



Tabel 1.74 Penghimpunan DPK Berdasarkan Lokasi Penghimpunan (Deposits of Third Party Funds Based on Location of Deposits) Miliar Rp (Billion Rp) 2010 Lokasi Jawa Barat Banten DKI Jakarta D.I Yogyakarta Jawa Tengah Jawa Timur Bengkulu Jambi Nanggroe Aceh Darussalam Sumatera Utara Sumatera Barat Riau Sumatera Selatan Kepulauan Riau 1 Bangka Belitung Lampung Kalimantan Selatan Kalimantan Barat Kalimantan Timur Kalimantan Tengah Sulawesi Tengah Sulawesi Selatan Sulawesi Utara Sulawesi Barat1 Gorontalo Sulawesi Tenggara Nusa Tenggara Barat Bali Nusa Tenggara Timur Maluku Papua Maluku Utara Irian Jaya Barat 1 Lainnya Total

2005 2006 2007 2008

2009

2011 Location

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

154.212 39.103 995.417 19.679 91.223 193.720 3.967 10.843 19.215 94.458 17.728 30.892 34.119 17.088 7.469 14.836 18.164 18.995 43.719 7.708 6.301 34.271 10.082 1.440 1.909 5.207 7.101 32.247 9.119 5.101 16.344 2.673 5.334 3.358

154.650 158.952 43.962 44.108 993.045 1.012.718 20.263 20.558 93.573 94.843 192.040 195.383 4.192 4.284 11.340 11.463 16.377 17.101 93.546 94.267 17.492 17.462 33.549 33.843 35.148 35.030 17.052 17.077 8.200 8.188 14.579 14.862 18.682 18.773 19.868 20.184 45.276 44.621 8.459 8.470 6.273 6.351 31.918 32.387 10.354 10.352 1.477 1.480 1.944 1.939 5.258 5.242 7.282 7.433 32.555 32.717 9.211 9.391 5.052 5.037 16.382 17.102 2.632 2.604 5.133 5.155 3.687 3.839

164.822 47.445 1.057.986 21.119 98.029 199.013 4.458 12.161 17.399 98.546 17.858 34.337 35.788 17.967 8.264 15.722 19.605 20.829 47.935 8.956 6.891 33.838 10.694 1.665 2.101 5.652 7.797 33.649 9.767 5.318 18.678 2.743 5.603 3.398

167.078 166.682 46.530 45.994 1.042.332 1.054.018 21.521 21.224 97.725 97.428 199.445 199.006 4.622 4.614 11.753 11.696 16.762 17.134 98.805 100.365 18.344 17.986 33.680 33.106 36.791 36.875 17.422 17.539 8.104 8.142 15.709 15.893 19.602 19.549 20.921 21.002 47.001 46.103 8.903 8.768 6.843 6.884 34.408 34.486 10.884 11.065 1.680 1.552 2.133 2.077 5.676 5.627 7.685 7.800 34.336 35.029 9.844 9.772 5.412 5.360 18.470 18.417 2.760 2.649 5.846 5.527 3.565 3.412

170.138 175.575 46.631 49.655 1.075.943 1.094.360 21.464 21.734 100.554 100.552 202.293 203.256 4.643 4.688 12.440 12.439 18.952 18.129 102.485 103.951 18.569 18.711 35.424 34.960 37.835 38.218 19.293 19.085 8.293 8.294 16.122 15.861 20.327 20.248 21.562 21.728 49.366 48.690 9.139 9.005 7.018 7.018 35.081 35.219 11.218 11.038 1.594 1.696 2.183 2.171 5.769 5.935 7.904 8.110 35.734 36.500 9.829 9.737 5.440 5.403 18.761 19.885 2.765 2.773 5.513 5.279 3.780 3.983

177.719 54.273 1.115.796 22.309 101.166 207.935 4.718 12.550 17.716 105.506 18.952 34.598 38.779 18.838 8.538 16.143 20.695 22.287 47.573 8.935 7.154 36.028 11.347 1.658 2.154 5.958 8.087 36.962 10.373 5.406 19.548 2.720 5.752 4.043

186.368 56.531 1.197.604 22.919 105.605 214.993 4.691 13.254 18.851 108.612 20.829 37.142 40.559 20.228 8.645 16.748 21.572 23.071 49.911 8.889 7.460 38.038 11.554 1.622 2.191 5.972 8.473 37.848 10.208 5.710 19.534 2.750 5.747 4.694

183.904 183.688 55.391 56.882 1.166.975 1.141.149 23.186 23.005 104.892 105.040 213.054 213.282 4.944 5.035 13.606 14.338 18.030 18.106 109.493 110.086 20.503 20.204 36.322 39.149 40.373 41.651 19.801 20.518 8.759 9.004 16.706 16.801 21.550 21.579 23.435 23.720 49.294 52.444 9.233 9.463 7.465 7.430 37.519 37.432 11.702 11.659 1.698 1.691 2.278 2.305 6.369 6.407 8.584 8.445 38.356 38.213 10.651 10.684 5.690 5.777 19.902 20.004 2.978 3.002 5.741 5.908 3.673 3.741

186.128 185.745 59.183 58.921 1.180.064 1.164.689 23.276 23.577 109.545 110.668 216.775 217.690 5.188 5.316 14.478 14.699 17.922 17.887 112.139 112.630 20.206 20.461 40.188 39.073 42.744 43.609 20.659 21.172 9.523 9.448 17.454 17.563 22.383 22.447 24.264 24.641 53.331 51.586 9.862 10.631 7.464 7.425 38.224 38.170 11.929 12.059 1.672 1.746 2.343 2.353 6.583 6.787 8.664 8.872 38.536 38.864 10.791 11.021 5.909 6.008 21.515 21.584 3.123 3.187 5.912 6.366 3.382 3.316

Jawa Barat Banten DKI Jakarta D.I Yogyakarta Jawa Tengah Jawa Timur Bengkulu Jambi Nanggroe Aceh Darussalam Sumatera Utara Sumatera Barat Riau Sumatera Selatan Kepulauan Riau 1 Bangka Belitung Lampung Kalimantan Selatan Kalimantan Barat Kalimantan Timur Kalimantan Tengah Sulawesi Tengah Sulawesi Selatan Sulawesi Utara Sulawesi Barat1 Gorontalo Sulawesi Tenggara Nusa Tenggara Barat Bali Nusa Tenggara Timur Maluku Papua Maluku Utara Irian Jaya Barat 1 Others

1.127.937 1.287.102 1.510.834 1.753.292 1.973.042

1.980.450 2.013.216

2.096.036

2.082.595 2.092.779

2.144.064 2.173.884

2.212.215

2.338.824

2.302.056 2.287.844

2.351.357 2.340.213

Total

87.899 21.706 586.432 11.453 52.950 111.909 2.066 5.707 13.511 51.589 9.109 28.558 17.848 3.497 7.419 8.122 10.291 23.281 4.109 3.313 17.239 4.862 1.011 2.202 3.770 17.186 4.910 3.248 8.857 1.025 2.860

Ket: 1 Data tersedia mulai Januari 2007

104.431 27.317 620.919 13.908 62.701 127.851 2.760 7.535 21.956 60.126 11.490 40.074 21.068 4.728 9.496 10.813 12.793 30.596 5.510 4.448 21.952 6.057 1.392 3.218 4.441 19.030 6.628 3.993 15.096 2.184 2.596

119.504 28.310 751.466 15.323 70.139 143.778 3.482 9.321 18.341 71.021 13.974 30.155 24.867 13.587 6.384 14.789 12.798 14.965 34.316 6.530 5.171 24.794 7.133 1.076 1.641 3.977 5.402 23.522 7.296 4.413 13.276 2.576 4.506 3.000

135.580 33.011 868.803 16.834 80.782 171.426 4.143 10.069 20.464 83.941 15.349 31.760 30.058 16.341 6.828 21.559 16.026 17.570 41.518 6.909 5.721 29.013 8.941 1.451 1.833 4.563 6.363 28.524 8.005 4.671 14.227 2.800 5.084 3.126

Note: 1 Data available since January 2007

77



Tabel 1.75 Suku Bunga Rata-rata DPK Bank Umum (Average of Interest Rate of Third Party Funds of Commercial Banks) Persen (Percent) 2010 Indikator Giro Rupiah Valas Deposito Deposito 1 Bulan Rupiah Valas Deposito 3 Bulan Rupiah Valas Deposito 6 Bulan Rupiah Valas Deposito 12 Bulan Rupiah Valas Tabungan Rupiah Valas

2005 2006 2007 2008 2009

Indicator Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

-

-

-

2,90 1,05

2,39 0,41

2,18 0,30

2,18 0,29

2,45 0,28

2,28 0,27

2,30 0,25

2,28 0,25

2,24 0,24

2,19 0,22

2,23 0,23

2,52 0,22

2,24 0,23

2,19 0,21

2,24 0,21

-

-

-

10,71 3,40

6,77 1,74

5,85 1,36

5,83 1,26

6,57 1,34

6,60 1,45

6,60 1,32

6,61 1,28

6,59 1,27

6,58 1,22

6,64 1,22

6,67 1,18

6,65 1,14

6,77 1,19

6,77 1,16

-

-

-

11,17 4,18

7,45 2,14

6,89 1,53

6,89 1,42

6,89 1,41

6,91 1,37

6,90 1,35

6,95 1,28

6,86 1,22

6,90 1,24

6,94 1,29

6,95 1,27

6,97 1,27

7,05 1,32

7,07 1,35

-

-

-

10,32 3,94

7,89 2,32

6,97 1,59

6,85 1,56

6,83 1,64

6,85 1,72

6,88 1,60

6,96 1,51

6,93 1,45

6,96 1,50

7,07 1,47

6,97 1,44

7,07 1,48

7,14 1,55

7,15 1,55

-

-

-

10,34 3,08

9,54 2,72

7,69 2,01

7,46 1,91

7,27 1,71

7,38 1,90

7,38 1,93

7,38 1,94

7,25 1,98

7,22 1,94

7,65 1,86

7,11 1,92

7,13 1,88

7,08 1,80

7,04 1,77

-

-

-

3,11 1,21

2,79 0,50

2,54 0,30

2,50 0,29

2,54 0,30

2,41 0,30

2,50 0,28

2,54 0,26

2,55 0,26

2,56 0,24

2,92 0,34

2,55 0,24

2,60 0,27

2,51 0,19

2,46 0,18

Ket.: Data tersedia mulai Januari 2008 r) Revisi

78

2011

Demand Deposits Rupiah Foreign Exchange Time Deposits 1 month deposit Rupiah Foreign Exchange 3 month deposit Rupiah Foreign Exchange 6 month deposit Rupiah Foreign Exchange 12 month deposit Rupiah Foreign Exchange Savings Deposits Rupiah Foreign Exchange

Note: Data available since January 2008 r) Revised



Tabel 1.76 Suku Bunga Rata-rata DPK Bank Persero (Average of Interest Rate of Third Party Funds of State Owned Banks) Persen (Percent) 2010 Indikator Giro Rupiah Valas Deposito Deposito 1 Bulan Rupiah Valas Deposito 3 Bulan Rupiah Valas Deposito 6 Bulan Rupiah Valas Deposito 12 Bulan Rupiah Valas Tabungan Rupiah Valas

2005 2006 2007 2008 2009

2011 Indicator

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

-

-

-

3,23 1,24

2,52 0,42

1,88 0,17

1,74 0,16

2,48 0,14

2,03 0,11

2,13 0,15

2,16 0,15

2,14 0,14

2,12 0,42

2,22 0,11

2,92 0,11

2,22 0,15

2,17 0,11

2,12 0,11

-

-

-

10,07 3,99

6,49 2,44

4,38 1,53

4,43 1,28

6,40 1,42

6,46 1,50

6,40 1,45

6,34 1,44

6,37 1,44

6,66 1,32

6,43 1,36

6,40 1,29

6,47 1,22

6,55 1,26

6,54 1,17

-

-

-

10,44 5,28

7,34 3,20

6,72 2,28

6,69 2,04

6,70 1,81

6,74 1,81

6,73 1,65

6,70 1,64

6,66 1,61

6,71 1,52

6,74 1,66

6,71 1,67

6,77 1,64

6,84 1,68

6,82 1,63

-

-

-

10,59 3,99

7,70 2,95

6,83 2,00

6,71 2,02

6,68 1,94

6,60 1,97

6,59 1,77

6,60 1,68

6,56 1,68

6,71 1,57

6,55 1,64

6,51 1,63

6,55 1,73

6,56 1,74

6,57 1,69

-

-

-

11,32 3,59

9,35 2,74

7,62 2,62

7,55 2,65

7,30 2,29

7,37 2,26

7,27 2,34

7,10 2,29

7,09 2,28

6,52 1,71

6,93 2,16

6,89 1,96

6,98 2,07

7,01 1,82

6,98 1,76

-

-

-

2,79 2,80

2,62 0,53

2,18 0,20

2,20 0,21

2,30 0,23

2,07 0,23

2,30 0,23

2,33 0,23

2,33 0,23

2,68 0,39

2,37 0,23

2,30 0,23

2,42 0,36

2,25 0,02

2,23 0,00

Ket.: Data tersedia mulai Januari 2008 r) Revisi


Note: Data available since January 2008 r) Revised

79



Tabel 1.77 Suku Bunga Rata-rata DPK BUSN Devisa (Average of Interest Rate of Third Party Funds of Foreign Exchange Commercial Banks) Persen (Percent) 2010 Indikator Giro Rupiah Valas Deposito Deposito 1 Bulan Rupiah Valas Deposito 3 Bulan Rupiah Valas Deposito 6 Bulan Rupiah Valas Deposito 12 Bulan Rupiah Valas Tabungan Rupiah Valas

2005 2006 2007 2008 2009

Indicator Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

-

-

-

2,61 1,80

2,09 0,68

2,08 0,56

2,05 0,55

2,05 0,54

1,98 0,51

2,03 0,46

2,03 0,47

2,11 0,45

2,12 0,42

2,11 0,44

2,11 0,44

2,06 0,44

2,00 0,40

2,11 0,40

-

-

-

11,20 4,18

6,85 1,71

6,59 1,52

6,57 1,49

6,57 1,47

6,51 1,65

6,56 1,39

6,60 1,35

6,66 1,35

6,66 1,32

6,75 1,32

6,69 1,26

6,69 1,25

6,78 1,28

6,76 1,22

-

-

-

11,55 4,82

7,31 1,85

6,59 1,65

6,59 1,60

6,58 1,64

6,57 1,66

6,56 1,60

6,66 1,46

6,72 1,39

6,71 1,52

6,78 1,53

6,79 1,44

6,82 1,40

6,89 1,43

6,92 1,41

-

-

-

9,86 4,26

7,68 2,06

6,57 1,69

6,38 1,66

6,41 1,75

6,44 1,94

6,51 1,74

6,73 1,61

6,74 1,60

6,71 1,57

6,72 1,53

6,71 1,44

6,77 1,40

6,79 1,42

6,85 1,39

-

-

-

9,56 3,10

9,09 3,04

6,86 1,52

6,53 1,33

6,42 1,32

6,42 1,52

6,45 1,38

6,61 1,45

6,51 1,74

6,52 1,71

6,39 1,71

6,40 1,65

6,47 1,62

6,55 1,62

6,55 1,63

-

-

-

3,32 0,82

2,88 0,79

2,85 0,57

2,70 0,52

2,67 0,52

2,61 0,53

2,58 0,45

2,65 0,43

2,67 0,43

2,68 0,39

2,70 0,37

2,71 0,37

2,70 0,37

2,69 0,37

2,59 0,36

Ket.:Data tersedia mulai Januari 2008

80

2011


Note:Data available since January 2008



Tabel 1.78 Suku Bunga Rata-rata DPK BUSN Non Devisa (Average of Interest Rate of Third Party Funds of Non-Foreign Exchange Commercial Banks) Persen (Percent) 2010 Indikator Giro Rupiah Valas Deposito Deposito 1 Bulan Rupiah Valas Deposito 3 Bulan Rupiah Valas Deposito 6 Bulan Rupiah Valas Deposito 12 Bulan Rupiah Valas Tabungan Rupiah Valas

2005 2006 2007 2008 2009

2011 Indicator

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

-

-

-

4,68 -

3,59 0,94

3,43 -

2,89 -

3,43 -

3,48 -

3,61 -

3,48 -

3,52 -

3,83 -

3,60 -

3,76 -

3,70 -

4,02 -

3,73 -

-

-

-

11,64 -

8,65 -

7,64 -

7,61 -

7,72 -

7,75 -

7,74 -

7,87 -

8,19 -

8,16 -

8,17 -

8,00 -

6,92 -

8,15 -

8,19 -

-

-

-

11,77 -

9,00 -

8,55 -

8,53 -

8,61 -

8,68 -

8,73 -

8,77 -

8,82 -

8,87 -

8,90 -

8,71 -

8,36 -

8,62 -

8,59 -

-

-

-

11,35 -

9,44 2,00

8,88 -

8,74 -

8,67 -

8,84 -

8,87 -

8,95 -

9,01 -

9,08 -

9,11 -

9,06 -

8,89 -

9,00 -

8,94 -

-

-

-

11,52 -

10,49 -

10,23 -

9,51 -

9,22 -

9,32 -

9,34 -

9,26 -

9,22 -

9,23 -

9,22 -

9,19 -

8,95 -

9,16 -

9,18 -

-

-

-

4,28 -

3,33 -

3,06 -

2,60 -

3,16 -

3,18 -

3,21 -

3,28 -

3,23 -

3,43 -

3,56 -

3,61 -

3,69 -

3,73 -

3,63 -




81



Tabel 1.79 Suku Bunga Rata-rata DPK Bank Pembangunan Daerah (Average of Interest Rate of Third Party Funds of Regional Development Banks) Persen (Percent) 2010 Indikator Giro Rupiah Valas Deposito Deposito 1 Bulan Rupiah Valas Deposito 3 Bulan Rupiah Valas Deposito 6 Bulan Rupiah Valas Deposito 12 Bulan Rupiah Valas Tabungan Rupiah Valas

2005 2006 2007 2008 2009

Indicator Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Mar

Feb

Apr

-

-

-

3,16 1,33

3,02 0,79

2,93 0,73

3,25 0,69

3,28 0,64

3,32 0,64

3,23 0,64

3,11 0,63

2,96 0,63

2,79 0,63

3,01 0,65

3,11 0,67

2,85 0,62

2,73 0,63

2,81 0,63

-

-

-

10,07 4,03

7,69 3,22

7,43 2,68

7,37 2,17

7,42 1,97

7,73 1,99

7,74 1,97

7,66 1,88

7,59 1,77

7,69 1,88

7,93 1,79

7,85 2,96

7,73 2,84

7,54 1,83

7,56 1,39

-

-

-

9,41 3,27

8,28 3,96

8,21 2,72

8,12 2,18

8,13 2,12

8,24 2,03

8,18 1,98

8,14 1,93

8,09 2,04

8,22 1,92

8,57 1,88

8,35 1,84

8,25 1,77

8,19 1,49

8,03 1,92

-

-

-

10,18 4,47

9,16 4,18

8,28 3,49

8,10 3,16

8,14 2,95

8,37 2,70

8,75 2,69

8,75 2,68

8,69 2,51

8,85 1,58

9,69 1,41

8,45 1,33

8,68 1,26

8,74 1,25

8,71 1,15

-

-

-

8,74 3,25

11,33 4,48

8,95 3,12

8,90 3,19

8,82 3,18

8,98 3,85

9,26 3,90

9,27 2,35

8,77 1,29

8,97 1,30

11,89 1,30

8,99 1,28r)

8,86 1,31

8,47 1,30

8,36 1,32

-

-

-

3,62 1,88

3,37 2,11

2,86 1,66

3,13 1,28

3,23 1,51

3,24 1,36

3,26 1,42

3,12 1,04

3,08 0,99

3,10 0,98

3,08 0,98

2,95 0,88

2,99 0,91

2,86 0,91

2,92 0,92

Ket.:Data tersedia mulai Januari 2008 r) revisi

82

2011


Note:Data available since January 2008 r) Revised



Tabel 1.80 Suku Bunga Rata-rata DPK Bank Campuran (Average of Interest Rate of Third Party Funds of Joint Venture Banks) Persen (Percent) 2010 Indikator Giro Rupiah Valas Deposito Deposito 1 Bulan Rupiah Valas Deposito 3 Bulan Rupiah Valas Deposito 6 Bulan Rupiah Valas Deposito 12 Bulan Rupiah Valas Tabungan Rupiah Valas

2005 2006 2007 2008 2009

2011 Indicator

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

-

-

-

1,46 0,33

2,62 0,20

1,88 0,18

1,90 0,18

1,79 0,15

1,47 0,13

1,79 0,14

1,81 0,15

1,86 0,13

1,50 0,11

1,37 0,13

1,31 0,12

1,66 0,14

1,85 0,14

1,80 0,15

-

-

-

11,06 2,91

6,44 1,01

6,51 0,95

6,49 0,99

6,44 1,07

6,39 1,19

6,40 1,19

6,44 1,15

6,40 1,11

6,28 1,08

6,30 1,13

6,35 1,13

6,44 1,11

6,46 1,26

6,40 1,43

-

-

-

12,63 3,93

7,06 1,55

6,83 0,88

6,91 0,86

6,88 1,13

6,85 1,10

6,83 1,14

6,85 1,06

6,89 1,07

6,97 1,07

6,95 1,05

6,94 1,02

6,96 1,08

7,03 1,10

7,02 1,27

-

-

-

11,14 4,07

7,78 1,40

7,10 0,82

7,11 0,94

6,90 1,24

6,88 1,33

6,89 1,61

6,96 1,53

6,99 1,56

7,03 1,54

7,12 1,51

7,12 1,33

7,12 1,27

7,09 1,78

7,05 1,92

-

-

-

10,76 2,49

8,97 1,83

7,30 2,25

7,31 2,13

7,38 0,83

7,12 1,64

6,79 1,41

6,84 1,68

6,84 1,82

6,83 1,69

7,01 1,64

7,01 1,86

7,00 1,74

6,92 0,97

7,01 1,00

-

-

-

5,04 0,75

2,83 0,41

2,97 0,18

3,01 0,27

2,51 0,27

2,35 0,23

2,46 0,24

2,44 0,18

2,51 0,20

2,63 0,19

2,87 0,15

2,75 0,21

2,78 0,19

2,38 0,14

2,55 0,14




83



Tabel 1.81 Suku Bunga Rata-rata DPK Bank Asing (Average of Interest Rate of Third Party Funds of Foreign Owned Banks) Persen (Percent) Indikator Giro Rupiah Valas Deposito Deposito 1 Bulan Rupiah Valas Deposito 3 Bulan Rupiah Valas Deposito 6 Bulan Rupiah Valas Deposito 12 Bulan Rupiah Valas Tabungan Rupiah Valas

2010 2005 2006 2007 2008 2009

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Indicator Apr

-

-

-

1,16 0,10

0,86 0,09

1,32 0,04

1,28 0,03

1,25 0,04

1,19 0,04

1,28 0,03

1,20 0,03

0,90 0,02

1,18 0,03

1,17 0,04

1,22 0,03

1,14 0,03

1,29 0,04

1,41 0,04

-

-

-

10,03 1,23

5,85 0,28

5,69 0,30

5,61 0,39

5,60 0,62

5,61 0,38

5,56 0,37

5,44 0,29

3,80 0,17

3,69 0,17

3,76 0,19

5,26 0,29

5,41 0,29

5,65 0,35

5,63 0,35

-

-

-

11,65 2,39

6,57 0,66

6,40 0,57

6,38 0,50

6,36 0,63

6,40 0,59

6,37 0,66

6,33 0,62

4,68 0,42

4,68 0,37

4,70 0,38

6,10 0,55

6,21 0,60

6,39 0,63

6,48 0,70

-

-

-

10,64 2,63

7,18 0,77

6,56 0,93

6,49 0,93

6,50 1,02

6,52 0,85

6,47 0,79

6,45 0,79

5,51 0,37

5,56 0,38

5,46 0,43

6,42 0,70

6,43 0,67

6,49 0,66

6,53 0,64

-

-

-

9,87 3,45

9,67 2,42

8,32 1,86

7,84 1,33

6,50 1,02

6,93 1,40

6,82 1,91

6,70 2,09

4,98 1,13

4,35 1,21

4,46 0,88

5,94 1,43

6,25 0,77

6,25 1,54

6,28 1,54

-

-

-

3,98 0,17

2,67 0,08

2,56 0,02

2,62 0,03

2,91 0,03

2,49 0,04

2,54 0,04

2,52 0,03

2,54 0,04

2,36 0,02

2,67 0,02

2,40 0,04

2,22 0,04

2,27 0,03

2,27 0,03


84

Apr

2011





Tabel 1.82 Peringkat Bank Berdasarkan Kredit (Bank Rating Based on Credit) Miliar Rp (Billion Rp) Desember 2006

Peringkat


Total Kredit (Total Credits)

Desember 2007

Pangsa Thd Total Kredit Bank Umum (%) (Portion to Total Commercial Bank Credit (%))



Desember 2008




Desember 2009




April 2010




Desember 2010 Pangsa Thd Total Kredit Bank Umum (%) (Portion to Total Commercial Bank Credit (%))


April 2011

Pangsa Thd Total Kredit Bank Total Umum (%) Kredit (Total (Portion Credits) to Total Commercial Bank Credit (%))




Rating

1

PT Bank Mandiri Tbk

108.492

13,69

PT Bank Mandiri Tbk

125.280

12,50

PT BRI

161.130


206.117

14,53

PT BRI (Persero) Tbk.

213.354


241.020


252.352

13,69

1

2

PT BRI

90.295

11,40

PT BRI

114.361

11,41

PT Bank Mandiri Tbk

156.900


178.043

12,55

PT Bank Mandiri (Persero) Tbk

182.265


217.809


224.748

12,19

2

3

PT BNI Tbk

66.494

8,39

PT BNI Tbk

87.774

8,76


112.686


122.991

8,67


122.289


153.116


153.438

8,32

3

4


61.549

7,77


82.503

8,23

PT BNI Tbk

111.044


119.991

8,46

PT BNI (Persero),Tbk

118.102


132.431


134.013

7,27

4

5


41.062

5,18


51.107

5,10


64.376

4,92 PT Bank Cimb Niaga, Tbk

82.158

5,79


84.554

5,69

102.715

5,82

108.140

5,87

5

6

PT Bank Niaga Tbk

33.208

4,19

PT Bank Niaga Tbk

41.843

4,18

PT Bank CIMB Niaga Tbk

50.117


60.162

4,24


61.879


75.264


78.753

4,27

6

7

PT Bank Permata Tbk

23.825

3,01


29.026

2,90


36.588


41.284

2,91

PT Pan Indonesia Bank, Tbk

44.740


55.705


60.330

3,27

7

8

PT BII

21.190

2,67

PT BII

28.189

2,81

PT Bank Permata Tbk

34.880


41.243

2,91

PT BTN (Persero)

44.266


51.529


55.125

2,99

8

9

Citibank N.A

20.849

2,63

PT Bank Permata Tbk

25.989

2,59

PT BII

34.757


40.719

2,87

PT Bank Permata Tbk

41.663


51.458


54.248

2,94

9

10


19.164

2,42

PT BTN

22.352

2,23

PT BTN

32.022

2,45 PT BII Tbk

37.114

2,62

PT BII Tbk

39.268

2,64 PT BII Tbk

50.065

2,84 PT BII Tbk

52.812

2,86

10

Total

486.126

61,36

Total

608.424

60,72

Total

794.500

60,76 Total

929.822

65,53

Total

952.379

64,08 Total

1.173.959

63,68


1.131.112


64,06 Total

85



Tabel 1.83 Suku Bunga Rata-rata Kredit Bank Umum Berdasarkan Sektor Ekonomi (Average of Credit Interest Rates Commercial Bank Based on Economic Sector) Persen (Percent) Sektor Ekonomi 1. Pertanian, perburuan dan sarana pertanian - Rupiah - Valas 2. Pertambangan - Rupiah - Valas 3. Perindustrian - Rupiah - Valas 4. Listrik, gas dan air - Rupiah - Valas 5. Konstruksi - Rupiah - Valas 6. Perdagangan, restoran dan hotel - Rupiah - Valas 7. Pengangkutan, pergudangan dan komunikasi - Rupiah - Valas 8. Jasa Dunia usaha - Rupiah - Valas 9. Jasa sosial/masyarakat - Rupiah - Valas 10. Lain-lain - Rupiah - Valas

86

2010 2005 2006 2007 2008 2009

Apr

Mei

Jun

Jul

Ags

2011 Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

-

-

-

14,38 7,73

13,10 5,60

12,00 5,11

11,82 4,98

11,75 4,93

11,87 4,95

11,74 5,13

11,66 4,69

11,60 4,65

11,55 4,59

11,46 4,58

11,49 4,59

11,43 4,58

11,31 4,36

11,29 4,19

-

-

-

14,83 5,44

10,95 4,47

10,48 4,04

10,59 4,23

10,67 4,18

10,61 4,00

10,40 4,09

10,27 4,06

10,43 4,16

10,34 4,10

10,57 3,76

10,76 3,81

11,36 3,64

10,01 3,42

10,28 3,40

-

-

-

13,92 6,62

11,81 5,43

11,23 4,58

11,13 4,45

10,88 4,31

10,93 4,37

10,77 4,32

10,87 4,47

10,84 4,22

10,83 4,24

10,75 4,34

10,74 4,34

10,70 4,29

10,42 4,07

10,43 4,07

-

-

-

11,27 6,28

9,42 4,29

8,99 4,97

8,91 5,17

10,17 5,08

9,87 4,29

9,88 4,20

8,55 3,85

8,53 3,71

8,44 3,63

8,48 3,87

8,43 3,83

8,22 3,70

6,05 4,13

6,19 4,05

-

-

-

14,18 6,89

13,30 6,07

12,55 5,98

12,37 6,03

12,26 5,86

12,16 5,81

12,01 5,71

11,97 5,51

12,04 5,24

12,01 5,38

12,19 5,43

12,08 5,50

12,07 5,63

11,65 5,49

11,62 5,21

-

-

-

15,69 7,58

14,67 6,20

14,52 5,28

14,39 5,31

14,20 5,24

14,07 5,39

14,01 5,21

13,95 5,14

13,87 5,02

13,78 4,84

13,63 4,86

13,67 4,89

13,64 4,75

12,42 4,52

12,49 4,59

-

-

-

12,72 6,49

10,45 5,76

10,38 5,72

10,50 5,90

10,35 5,83

10,19 6,03

10,20 5,77

10,27 5,68

10,29 5,68

10,19 5,59

10,29 5,92

10,39 5,58

10,41 5,47

10,02 5,34

10,07 5,41

-

-

-

14,22 6,52

13,01 4,94

12,34 3,89

12,24 4,02

12,10 3,69

12,42 3,61

12,20 3,37

12,11 3,33

12,07 3,35

12,02 3,55

12,07 3,44

11,99 3,33

11,96 3,26

11,95 3,26

11,90 3,38

-

-

-

14,67 5,02

14,59 5,49

13,94 0,63

14,12 3,16

14,44 3,33

14,49 3,32

13,99 4,42

14,51 3,39

14,55 4,10

14,42 4,20

14,50 4,46

14,32 4,65

14,28 5,23

14,21 4,19

13,98 4,15

-

-

-

15,71 3,85

15,74 0,67

14,06 2,82

14,16 2,63

13,99 3,13

13,89 2,78

13,80 3,27

13,89 3,03

13,83 2,54

13,84 2,82

13,73 2,20

13,56 1,98

13,55 1,93

14,77 1,05

14,85 0,75

Economic Sector 1. Agriculture, hunting and agricultural facilities - Rupiah - Foreign Exchange 2. Mining - Rupiah - Foreign Exchange 3. Manufacturing - Rupiah - Foreign Exchange 4. Water, gas and electricity - Rupiah - Foreign Exchange 5. Construction - Rupiah - Foreign Exchange 6. Trade, restaurants and hotels - Rupiah - Foreign Exchange 7. Transportation, warehousing and communications - Rupiah - Foreign Exchange 8. Business Services - Rupiah - Foreign Exchange 9. Social Services - Rupiah - Foreign Exchange 10. Others - Rupiah - Foreign Exchange



Tabel 1.84 Suku Bunga Rata-rata Kredit Bank Umum Berdasarkan Jenis Penggunaan (Average of Credit Interest Rates Commercial Bank Based on Type of Use) Persen (Percent) Jenis Penggunaan Modal Kerja - Rupiah - Valas Investasi - Rupiah - Valas Konsumsi - Rupiah - Valas

2010 2005 2006 2007 2008 2009

2011

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

-

-

-

14,63 6,44

13,27 5,02

12,89 4,26

12,75 4,27

12,63 4,15

12,68 4,16

12,65 4,11

12,58 4,16

12,57 4,01

12,51 4,02

12,39 4,00

12,45 3,98

12,44 3,87

11,69 3,52

11,81 3,54

-

-

-

13,99 7,01

12,55 5,88

12,11 5,41

12,06 5,49

12,19 5,29

12,15 5,21

11,87 5,24

11,93 5,03

11,91 5,02

11,87 5,10

11,86 5,02

11,85 5,04

11,79 4,96

11,81 5,04

11,80 4,99

-

-

-

15,82 3,85

15,81 0,67

14,02 2,21

14,16 2,01

13,97 1,71

13,93 1,72

13,80 1,93

13,88 1,68

13,81 1,31

13,80 0,43

13,79 0,43

13,50 0,44

13,48 0,42

14,77 0,42

14,74 0,35

Type of Use Working Capital - Rupiah - Foreign Exchange Investment - Rupiah - Foreign Exchange Consumption - Rupiah - Foreign Exchange

87



Tabel 1.85 Perkembangan Jumlah Bank dan Kantor Bank Umum (Growth of Total Banks and Bank Offices) Kelompok Bank Bank Persero Jumlah Bank Jumlah Kantor

2010 2005 2006 2007 2008 2009

5 2.171

5 2.548

5 2.765

5 3.134

4 3.854

2011

Apr

Mei

Jun

Jul

Ags

Sep

Okt

4 3.887

4 3.892

4 3.905

4 4.012

4 4.047

4 4.058

4 4.082

Nov 4 4.122

Des

Jan

Feb

4 4.189

4 4.205

4 4.210

Mar 4 4.214

Apr 4 4.216

State Owned Banks Total Banks Total Bank Offices

36 6.832

Foreign Exchange Commercial Banks Total Banks Total Bank Offices

31 1.194

Non-Foreign Exchange Commercial Banks Total Banks Total Bank Offices Regional Development Banks Total Banks Total Bank Offices

BUSN Devisa Jumlah Bank Jumlah Kantor

34 4.113

35 4.395

35 4.694

32 5.196

34 6.181

35 6.240

37 6.249

36 6.249

36 6.331

36 6.358

36 6.383

36 6.424

36 6.507

36 6.608

36 6.698

36 6.730

36 6.771

BUSN Non Devisa Jumlah Bank Jumlah Kantor

37 709

36 759

36 778

36 875

31 976

31 979

30 980

31 982

31 1.024

31 1.026

31 1.052

31 1.059

31 1.103

31 1.131

31 1.151

31 1.153

31 1.187

Group of Bank

BPD Jumlah Bank Jumlah Kantor

26 1.107

26 1.217

26 1.205

26 1.310

26 1.358

26 1.369

26 1.369

26 1.369

26 1.396

26 1.398

26 1.399

26 1.404

26 1.409

26 1.413

26 1.434

26 1.434

26 1.437

26 1.438

Bank Campuran Jumlah Bank Jumlah Kantor

18 64

17 77

17 96

15 168

16 238

16 239

16 239

16 239

15 258

15 260

15 260

15 260

15 262

15 263

14 260

14 244

14 245

14 245

Joint Venture Banks Total Banks Total Bank Offices

Bank Asing Jumlah Bank Jumlah Kantor

11 72

11 114

11 142

10 185

10 230

10 230

10 229

10 228

10 225

10 229

10 227

10 227

10 230

10 233

10 222

10 222

10 215

10 215

Foreign Owned Banks Total Banks Total Bank Offices

131 8.236

130 9.110

130 124 9.680 10.868

121 12.837

122 1231) 123 1222) 12.944 12.958 12.972 13.246

122 13.318

Total Jumlah Bank Jumlah Kantor

Ket.: 1) termasuk BNI Syariah yang mulai beroperasi pada bulan Juni 2010 2) Merger PT. Bank UOB Indonesia ke dalam PT. Bank UOB Buana 3) Merger PT. Bank OCBC Indonesia ke dalam PT. Bank OCBC NISP, Tbk

88

122 122 122 122 13.379 13.456 13.633 13.837

Note:

1)

1213) 121 121 121 13.970 13.993 14.069 14.140

Total Total Banks Total Bank Offices

including BNI Syariah which began operating in June 2010 2) Merger PT. Bank UOB Indonesia to PT. Bank UOB Buana 3) Merger PT. Bank OCBC Indonesia to PT. Bank OCBC NISP, Tbk



Tabel 1.86 Perkembangan Jumlah Kantor Cabang Bank Berdasarkan Lokasi Bank - April 2011 (Growth of Total Branch Offices Based on Banks Location - April 2011) 2010 Lokasi Jawa Barat Banten DKI Jakarta D.I Yogyakarta Jawa Tengah Jawa Timur Bengkulu Jambi Nanggroe Aceh Darussalam Sumatera Utara Sumatera Barat Riau Sumatera Selatan Kepulauan Riau Bangka Belitung Lampung Kalimantan Selatan Kalimantan Barat Kalimantan Timur Kalimantan Tengah Sulawesi Tengah Sulawesi Selatan Sulawesi Utara Sulawesi Barat Gorontalo Sulawesi Tenggara Nusa Tenggara Barat Bali Nusa Tenggara Timur Maluku Papua Maluku Utara Irian Jaya Barat Di Luar Indonesia Total

2005 2006 2007 2008 2009

Apr

Mei

Jun

Jul

Ags

2011 Sep

Okt

Nov

Des

Jan

Feb

Mar

Location

Apr

282 53 428 41 232 334 17 36 48 130 65 60 58 33 11 39 52 49 72 23 24 92 44 8 15 20 31 70 35 20 31 11 14 17

292 57 435 42 247 339 18 39 50 135 66 62 60 40 12 43 53 49 79 26 25 92 48 8 13 21 32 70 39 22 32 11 14 18

309 59 442 44 258 350 19 39 53 141 67 65 63 45 13 43 54 51 84 27 28 100 48 8 10 22 33 72 39 23 35 12 15 18

324 61 464 47 263 355 21 41 57 146 70 69 64 47 17 45 55 58 87 33 29 111 49 9 11 23 36 73 40 24 38 13 18 18

337 66 506 51 271 365 21 44 65 161 71 76 67 49 20 45 63 62 98 36 32 111 52 11 12 25 35 72 43 25 41 13 19 17

341 67 516 53 277 371 22 44 67 165 71 79 70 51 21 45 65 64 100 36 34 113 53 12 12 25 35 73 43 25 41 14 19 17

344 69 519 53 281 372 22 44 67 166 71 80 70 51 21 46 65 64 100 38 34 115 53 12 12 25 35 73 43 25 46 14 21 17

345 70 519 53 281 380 22 45 67 167 71 81 71 51 20 46 65 64 100 38 34 114 53 12 12 25 36 73 46 27 46 14 22 17

349 71 523 53 283 381 22 45 67 167 72 82 72 51 21 47 65 64 100 38 34 114 52 12 13 25 37 73 46 27 46 14 22 17

350 71 528 53 284 383 22 45 67 170 72 82 73 51 21 47 65 64 100 38 34 114 53 12 13 25 37 73 46 28 46 14 22 17

360 71 532 53 286 386 22 45 67 171 73 83 73 51 21 49 66 64 101 38 34 114 53 12 13 25 37 73 46 30 46 14 22 17

353 72 530 53 284 385 22 45 70 172 73 83 73 51 21 48 66 65 100 38 34 114 53 12 13 25 37 73 46 29 46 14 22 17

353 73 529 53 285 385 22 45 70 173 74 83 74 52 21 48 67 65 100 38 34 114 53 12 13 27 37 74 46 29 46 14 22 17

354 73 534 53 285 390 22 45 70 174 74 84 76 52 22 48 69 66 100 40 35 116 54 12 13 27 39 74 46 32 47 14 22 17

357 73 538 53 287 392 22 45 70 174 74 84 76 52 22 49 69 66 102 40 36 116 54 12 13 28 39 74 46 32 48 14 22 17

357 74 539 53 289 393 22 45 70 173 74 84 76 52 22 49 69 66 102 40 36 116 54 12 13 28 39 74 46 32 48 14 22 17

357 75 541 54 289 391 22 46 70 173 75 84 78 51 22 48 69 66 103 42 36 117 54 12 13 29 39 75 46 32 48 14 22 17

359 75 543 55 290 391 22 46 71 174 75 85 78 51 22 48 69 66 104 42 36 118 53 12 14 29 39 76 46 32 48 14 22 17

2.495

2.589

2.689

2.816

2.982

3.041

3.068

3.087

3.105

3.120

3.148

3.139

3.148

3.179

3.196

3.200

3.210

3.222

Jawa Barat Banten DKI Jakarta D.I Yogyakarta Jawa Tengah Jawa Timur Bengkulu Jambi Nanggroe Aceh Darussalam Sumatera Utara Sumatera Barat Riau Sumatera Selatan Kepulauan Riau Bangka Belitung Lampung Kalimantan Selatan Kalimantan Barat Kalimantan Timur Kalimantan Tengah Sulawesi Tengah Sulawesi Selatan Sulawesi Utara Sulawesi Barat Gorontalo Sulawesi Tenggara Nusa Tenggara Barat Bali Nusa Tenggara Timur Maluku Papua Maluku Utara Irian Jaya Barat Outside Indonesia Total

89




90



DATA BANK SYARIAH

91



Tabel 2.1 Kegiatan Usaha Bank Umum Syariah (BUS) Dan Unit Usaha Syariah (UUS) (Sharia Commercial Bank and Sharia Business Unit Operations) Miliar Rp (Billion Rp) Indikator Penyaluran Dana a. Pembiayaan Rupiah Valas b. Antar Bank c. Penempatan di BI d. Surat Berharga (tidak termasuk obligasi rekap) e. Penyertaan f. Tagihan Lainnya Sumber Dana a. DPK Rupiah Giro Wadiah Deposito Mudharabah Tabungan Mudharabah Valas Giro Wadiah Deposito Mudharabah Tabungan Mudharabah b. Kewajiban Kepada BI c. Antar Bank d. Surat Berharga e. Pinjaman yang Diterima Rupiah Valas f. Kewajiban Lainnya g. Setoran Jaminan 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 SWBI (BUS & UUS) Total Aset Jaringan Kantor Jumlah Bank Jumlah Kantor 1)

2010 2005 2006 2007 2008

2009

20.222 15.232 14.458 774 1.054 3.180 730

25.927 20.445 19.530 915 991 3.641 829

32.304 26.149 24.878 1.270 1.437 3.238 1.302

48.264 38.199 35.879 2.320 1.978 5.189 2.683

6 21 17.296 15.581 14.752 1.836 8.546 4.370 829 209 620 32 980 265 207 204 209 25

6 15 22.337 20.672 19.818 3.180 10.208 6.430 854 236 618 32 874 268 181 181 285 25

41 138 27.948 25.473 24.324 2.925 12.919 8.480 1.149 424 726 32 1.499 350 161 161 401 32

951 230 239 -76 132 2.395

991 268 355 27 142 2.358

20.880 22 436

92

Indicator

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

76.151 57.633 55.451 2.182 3.413 9.014 5.741

77.505 60.275 57.497 2.779 3.495 7.507 5.889

80.954 60.970 58.241 2.729 3.609 9.852 5.975

83.815 62.995 60.101 2.894 3.640 11.191 5.665

88.010 65.942 62.941 3.000 4.001 12.164 5.559

94.884 68.181 64.817 3.364 4.138 16.393 5.733

92.965 69.724 66.383 3.341 3.580 13.430 5.801

93.285 71.449 68.134 3.315 3.617 11.396 6.364

98.442 74.253 70.764 3.488 3.793 13.689 6.224

98.428 75.771 72.419 3.352 3.283 11.897 6.988

88 229 63.649 58.078 55.794 9.010 28.595 18.189 2.284 1.028 1.094 161 5 3.843 340 299 299 1.020 65

88 263 66.139 60.462 58.198 9.367 30.561 18.270 2.264 971 1.114 179 4 3.937 340 298 298 1.033 64

88 251 66.752 60.972 58.492 6.188 33.993 18.311 2.479 1.103 1.167 210 4 4.151 340 298 298 929 58

88 460 70.360 63.912 61.269 6.418 35.589 19.262 2.643 989 1.455 199 4 4.765 340 290 290 989 60

88 236 72.221 66.478 63.810 6.264 37.621 19.925 2.667 852 1.607 208 4 4.016 340 289 289 1.020 75

88 256 75.531 69.086 66.207 7.342 38.281 20.583 2.879 881 1.773 225 3 4.642 325 287 287 1.109 79

88 351 83.184 76.036 72.807 7.914 42.206 22.688 3.229 1.142 1.869 218 3 4.924 325 483 483 1.321 90

88 342 82.143 75.814 72.752 8.006 42.567 22.179 3.063 1.236 1.626 200 3 3.963 440 482 482 1.350 91

88 371 82.023 75.085 71.718 6.748 42.636 22.334 3.367 1.267 1.862 238 3 4.515 440 482 482 1.419 79

88 395 86.588 79.651 76.467 7.736 45.909 22.821 3.184 1.411 1.528 245 3 4.300 440 482 482 1.633 79

88 401 85.895 79.862 76.907 7.127 46.116 23.665 2.955 1.320 1.500 135 2 3.712 340 283 283 1.580 116

3.137 439 301 753 689 1.656

4.138 434 506 733 689 2.734

4.592 464 604 527 1.073 2.576

4.592 464 680 527 1.073 1.882

5.092 464 852 527 573 2.310

5.911 490 978 527 572 2.783

5.911 490 1.112 527 572 3.287

5.965 491 1.051 527 516 5.408

5.965 491 148 1.438 516 3.968

5.965 491 239 1.401 516 3.659

6.165 468 400 1.408 516 5.870

6.265 470 582 1.337 516 4.150

70.146

71.125

75.205

78.140

79.641

83.454

85.881

90.387

97.519

95.743

95.987 101.189

100.568

34 1.230

34 1.268

33 1.302

33 1.364

33 1.347

33 1.388

34 1.391

34 1.410

34 1.477

34 1.506

Apr

Mei

Jun

64.355 46.886 44.938 1.948 3.036 10.393 3.786

68.497 51.651 49.762 1.889 3.156 8.604 4.790

69.596 53.223 51.313 1.910 3.263 7.823 5.014

73.266 55.801 53.649 2.152 3.458 8.343 5.346

79 136 40.591 36.852 35.449 3.741 19.273 12.436 1.403 498 870 35 68 2.419 311 150 150 727 64

83 171 57.762 52.271 50.266 5.403 28.484 16.379 2.006 798 1.111 96 6 3.717 340 512 512 845 69

83 213 59.440 54.043 52.018 5.072 30.215 16.730 2.025 893 999 133 5 3.596 340 308 308 1.072 76

88 185 60.214 55.067 53.020 5.173 30.548 17.299 2.047 881 1.036 130 5 3.472 340 307 307 960 63

1.017 275 481 149 132 1.761

1.752 335 432 152 466 2.824

1.946 449 790 315 468 3.076

2.637 465 425 824 689 3.027

26.722

33.016

49.555

66.090

23 509

29 568

32 790

31 998

Ket : 1) Tidak Termasuk Gerai Muamalat r ) Revisi

2011

Jul

34 1.533

34 1.575

34 1.591

Fund Disbursements a. Financing Rupiah Foreign Exchange b. Inter-Bank c. Placements at BI d. Money Instruments (not including recapitalization bonds) e. Equity participation f. Other claims Sources of Funds a. Third Party Funds Rupiah Wadiah Demand Deposit Mudharabah Time Deposits Mudharabah Savings Accounts Foreign Exchange Wadiah Demand Deposit Mudharabah Time Deposits Mudharabah Savings Accounts b. Liabilities at BI c. Inter-Bank d. Money Instruments e. Loans received Rupiah Foreign Exchange f. Other Liabilities g. Guarantee Deposits Capital Components a. Paid-In Capital b. Reserves c. Current Earnings (Profit/Loss) d. Retained Earnings (Profit/Loss) e. Estimate of Additional Paid-In Capital f. Capital Loans Bank Indonesia Syariah Money Certificates (BUS & UUS) Total Assets Office Network Total Banks Total Bank Offices 1)

Note : 1) Not including Muamalat Outlets r ) Revised



Tabel 2.2 Kegiatan Usaha Bank Umum Syariah (BUS) (Sharia Commercial Bank Operations (BUS)) Miliar Rp (Billion Rp) 2010 Indikator Penyaluran Dana a. Pembiayaan Rupiah Valas b. Antar Bank c. Penempatan di BI d. Surat Berharga (tidak termasuk obligasi rekap) e. Penyertaan f. Tagihan Lainnya Sumber Dana a. DPK Rupiah Giro Wadiah Deposito Mudharabah Tabungan Mudharabah Valas Giro Wadiah Deposito Mudharabah Tabungan Mudharabah b. Kewajiban Kepada BI c. Antar Bank d. Surat Berharga e. Pinjaman yang Diterima Rupiah Valas f. Kewajiban Lainnya g. Setoran Jaminan 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 SWBI (BUS & UUS) Total Aset Jaringan Kantor Jumlah Bank Jumlah Kantor 1)

2005 2006 2007 2008

2009

16.132 19.839 12.405 16.113 11.652 15.224 753 889 373 535 2.986 2.715 341 457

25.663 33.026 20.717 26.109 19.602 24.422 1.115 1.688 672 1.016 3.286 3.827 766 1.859

6 6 21 14 15.041 18.509 13.667 17.216 12.843 16.380 1.609 2.523 7.539 8.456 3.695 5.401 825 836 207 232 617 604 32 32 684 603 244 247 205 179 201 179 186 215 23 17

41 182 23.960 21.966 20.880 2.624 10.555 7.702 1.085 262 823 32 1.049 329 154 154 400 31 1.001 275 459 143 132 2.599

951 230 266 (43) 132 2.395

17.111 21.151 3 301

Indicator Apr

Mei

46.386 34.452 33.190 1.261 1.415 7.345 2.922

49.470 38.795 37.357 1.438 1.413 5.690 3.287

79 136 30.546 27.734 26.498 2.250 14.588 9.659 1.237 465 772 68 1.736 311 150 150 513 35

83 169 43.858 39.624 37.881 3.612 21.510 12.759 1.743 683 1.060 6 3.005 340 112 112 735 36

1.701 335 499 138 466 2.824

27.286 34.036

991 268 310 24 142 2.358

3 346

Ket : 1) Tidak Termasuk Gerai Muamalat

3 398

5 576

2011

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

50.950 40.817 39.375 1.442 1.579 5.001 3.284

59.218 46.260 44.560 1.701 1.843 5.986 4.831

62.132 47.728 46.037 1.691 1.686 7.157 5.223

62.670 49.679 47.706 1.974 1.693 5.590 5.376

65.298 50.190 48.285 1.906 1.771 7.344 5.450

68.035 51.988 49.903 2.085 1.972 8.620 5.140

71.216 54.666 52.499 2.168 2.131 9.054 5.040

76.602 56.357 53.864 2.493 1.968 12.642 5.203

75.505 58.062 55.307 2.755 1.682 10.059 5.272

75.573 59.480 56.744 2.736 1.787 8.127 5.730

80.486 61.904 59.020 2.884 1.777 10.741 5.580

79.402 62.916 60.015 2.901 1.540 8.983 5.485

83 203 45.806 41.627 39.857 3.761 23.119 12.976 1.770 807 963 0 5 2.858 340 105 105 835 35

88 182 46.910 42.700 40.891 3.685 23.602 13.604 1.809 810 999 0 5 2.866 340 104 104 856 39

88 210 54.239 49.499 47.441 7.868 23.578 15.995 2.058 986 1.072 0 5 3.306 340 96 96 948 46

88 251 56.442 51.676 49.664 8.114 25.586 15.964 2.012 918 1.093 1 4 3.321 340 95 95 959 46

88 244 57.046 52.139 49.916 4.904 29.092 15.920 2.223 1.076 1.145 1 4 3.575 340 95 95 853 40

88 455 59.798 54.721 52.337 5.170 30.398 16.769 2.384 952 1.431 1 4 3.717 340 87 87 888 42

88 226 61.170 56.440 54.054 5.119 31.679 17.256 2.386 819 1.566 1 4 3.306 340 86 86 942 53

88 237 63.744 58.467 55.872 5.921 32.168 17.783 2.595 853 1.740 2 3 3.788 325 85 85 1.018 58

88 344 69.992 64.335 61.404 6.620 35.350 19.435 2.931 1.095 1.834 2 3 3.944 325 81 81 1.236 69

88 342 68.918 64.022 61.406 6.673 35.689 19.044 2.616 1.193 1.421 2 3 3.143 340 81 81 1.257 72

88 361 68.787 63.018 60.216 5.316 35.736 19.164 2.802 1.228 1.572 2 3 3.980 340 80 80 1.306 60

88 395 73.485 67.982 65.209 6.675 38.871 19.664 2.773 1.362 1.410 2 3 3.494 340 80 80 1.523 63

88 391 72.261 67.446 64.746 5.816 39.020 19.911 2.700 1.235 1.463 2 2 2.974 340 80 80 1.343 75

1.946 449 499 295 468 3.076

2.637 465 230 741 689 3.027

3.137 439 275 705 689 1.656

4.138 434 311 705 689 2.734

4.592 464 399 499 1.073 2.576

4.592 464 464 499 1.073 1.882

5.092 464 607 499 573 2.310

5.911 490 703 499 572 2.783

5.911 490 803 499 572 3.287

5.965 491 776 499 516 5.408

5.965 491 108 1.305 516 3.968

5.965 491 167 1.316 516 3.659

6.165 468 298 1.343 516 5.870

6.265 470 388 1.254 516 4.150

48.014

51.095

52.687

61.123

64.122

64.804

67.783

70.108

73.532

79.186

78.203

78.126

83.198

81.981

6 711

9 918

10 970

10 1.058

10 1.113

10 1.111

10 1.151

11 1.154

11 1.171

11 1.215

11 1.242

11 1.253

11 1.268

11 1.276

Fund Disbursements a. Financing Rupiah Foreign Exchange b. Inter-Bank c. Placements at BI d. Money Instruments (not including recapitalization bonds) e. Equity participation f. Other claims Sources of Funds a. Third Party Funds Rupiah Wadiah Demand Deposit Mudharabah Time Deposits Mudharabah Savings Accounts Foreign Exchange Wadiah Demand Deposit Mudharabah Time Deposits Mudharabah Savings Accounts b. Liabilities at BI c. Inter-Bank d. Money Instruments e. Loans received Rupiah Foreign Exchange f. Other Liabilities g. Guarantee Deposits CapitalComponents a. Paid-In Capital b. Reserves c. Current Earnings (Profit/Loss) d. Retained Earnings (Profit/Loss) e. Estimate of Additional Paid-In Capital f. Capital Loans Bank Indonesia Syariah Money Certificates (BUS & UUS) Total Assets Office Network Total Banks Total Bank Offices 1)

Note : 1) Not including Muamalat Outlets

93



Tabel 2.3 Kegiatan Usaha Unit Usaha Syariah (UUS) (Sharia Business Unit Operations (UUS)) Miliar Rp (Billion Rp) 2010 Indikator Penyaluran Dana a. Pembiayaan Rupiah Valas b. Antar Bank c. Penempatan di BI d. Surat Berharga (tidak termasuk obligasi rekap) e. Penyertaan f. Tagihan Lainnya Sumber Dana a. DPK Rupiah Giro Wadiah Deposito Mudharabah Tabungan Mudharabah Valas Giro Wadiah Deposito Mudharabah Tabungan Mudharabah b. Kewajiban Kepada BI c. Antar Bank d. Surat Berharga e. Pinjaman yang Diterima Rupiah Valas f. Kewajiban Lainnya g. Setoran Jaminan 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 SWBI (BUS & UUS) Total Aset Jaringan Kantor Jumlah Bank Jumlah Kantor 1)

2005 2006 2007 2008

2011 Indicator

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

4.090 2.827 2.807 20 681 194 389

6.087 4.332 4.305 26 457 926 372

10.099 15.238 7.227 12.090 6.910 11.457 318 632 996 962 1.254 1.362 622 824

17.969 12.435 11.748 687 1.621 3.048 864

19.027 12.856 12.405 451 1.743 2.914 1.503

18.645 12.406 11.938 468 1.684 2.823 1.730

14.048 9.541 9.089 452 1.615 2.357 515

14.019 9.905 9.414 491 1.727 1.857 518

14.836 10.596 9.791 805 1.802 1.917 513

15.656 10.780 9.956 823 1.838 2.509 524

15.780 11.006 10.198 809 1.668 2.570 525

16.793 11.275 10.443 833 1.870 3.109 519

18.282 11.824 10.953 871 2.170 3.751 530

17.461 11.662 11.076 586 1.898 3.371 529

17.712 11.970 11.390 580 1.831 3.269 634

17.956 12.349 11.744 605 2.016 2.948 644

2.258 1.914 1.909 228 1.007 675 5 2 3 296 21 3 2 23 2

1 3.828 3.456 3.438 657 1.752 1.030 18 4 14 271 21 1 1 70 8

7.061 10.044 6.045 9.118 6.003 8.952 836 1.490 3.416 4.684 1.751 2.777 42 166 29 33 13 98 35 902 684 21 1 0 1 0 73 214 19 29

1 13.903 12.648 12.385 1.791 6.974 3.620 263 116 51 96 712 400 400 111 33

10 13.634 12.416 12.161 1.311 7.096 3.754 255 86 36 133 738 203 203 236 41

2 13.304 12.367 12.128 1.488 6.946 3.694 239 72 37 130 607 203 203 104 24

20 9.410 8.579 8.354 1.142 5.017 2.194 226 42 22 161 537 203 203 72 19

12 9.697 8.786 8.534 1.253 4.974 2.307 252 53 22 178 616 203 203 74 18

8 9.706 8.833 8.576 1.284 4.900 2.392 256 26 21 209 576 203 203 76 19

5 10.561 9.191 8.932 1.248 5.191 2.493 259 37 24 198 1.048 203 203 101 19

10 11.050 10.038 9.756 1.144 5.942 2.669 282 33 41 207 710 203 203 78 22

19 11.787 10.619 10.335 1.422 6.113 2.801 284 28 33 223 854 202 202 91 21

7 13.191 11.702 11.403 1.294 6.856 3.253 298 47 35 217 981 402 402 86 21

0 13.225 11.792 11.346 1.333 6.878 3.135 447 43 205 198 819 100 401 401 93 20

10 13.236 12.067 11.502 1.432 6.901 3.170 565 38 290 236 535 100 401 401 114 20

0 13.103 11.669 11.258 1.062 7.039 3.158 411 49 119 243 806 100 401 401 111 16

(28) (33) 2.395

45 3 2.358

16 81 6 2.599

51 (66) 14 2.824

291 20 3.076

195 83 3.027

27 49 1.656

195 28 2.734

205 28 2.576

216 28 1.882

244 28 2.310

274 28 2.783

309 28 3.287

275 28 5.408

40 133 3.968

71 85 3.659

102 64 5.870

3.596

5.571

9.252 15.519

18.076

19.050

18.438

14.082

14.018

14.837

15.671

15.773

16.856

18.333

17.540

17.861

17.991

19 133

20 163

25 287

25 312

24 298

23 244

23 251

23 236

23 237

23 237

23 239

23 262

23 264

23 280

23 307

Ket : 1) Tidak Termasuk Gerai Muamalat

94

2009

26 170

27 214

Apr 19.027 Fund Disbursements a. Financing 12.856 Rupiah 12.405 Foreign Exchange 451 b. Inter-Bank 1.743 c. Placements at BI 2.914 d. Money Instruments (not including 1.503 recapitalization bonds) e. Equity participation f. Other claims 10 13.634 Sources of Funds a. Third Party Funds 12.416 Rupiah 12.161 Wadiah Demand Deposit 1.311 Mudharabah Time Deposits 7.096 Mudharabah Savings Accounts 3.754 Foreign Exchange 255 Wadiah Demand Deposit 86 Mudharabah Time Deposits 36 Mudharabah Savings Accounts 133 b. Liabilities at BI c. Inter-Bank 738 d. Money Instruments e. Loans received 203 Rupiah 203 Foreign Exchange f. Other Liabilities 236 g. Guarantee Deposits 41 Capital Components a. Paid-In Capital b. Reserves c. Current Earnings (Profit/Loss) 195 d. Retained Earnings (Profit/Loss) 83 e. Estimate of Additional Paid-In Capital f. Capital Loans 4.150 Bank Indonesia Syariah Money Certificates (BUS & UUS) Total Assets 18.587 23 315

Office Network Total Banks Total Bank Offices 1)

Note : 1) Not including Muamalat Outlets



Tabel 2.4 Perkembangan Aset Perbankan Syariah (Growth of Assets of Sharia Banks) Miliar Rp (Billion Rp) Indikator

2010 2005 2006 2007 2008

Apr Bank Umum Syariah

17.111

Unit Usaha Syariah

3.769

21.151 27.286 5.571

9.252

2011

Indicator

2009 Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

34.036

48.014 51.095 52.687 61.123 64.122 64.804

67.783 70.108 73.532

79.186

78.203

78.126

83.198

81.981

Syariah Commercial Banks

15.519

18.076 19.050 18.438 14.082 14.018 14.837

15.671 15.773 16.856

18.333

17.540

17.861

17.991

18.587

Syariah Business Units

95



Tabel 2.5 Aktiva Produktif Perbankan Syariah (Earning Assets of Sharia Banks) Miliar Rp (Billion Rp) 2010 Indikator

2005 2006 2007 2008

2009

2011 Indicator

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Pembiayaan

15.232

20.445

27.944

38.195

46.886 51.651

53.223 55.801

57.633

60.275

60.970

62.995 65.942 68.181

69.724

71.449 74.253

75.727

a. Lancar

41.931 45.505

46.725 49.310

50.812

52.845

54.240

56.237 59.092 63.006

63.600

64.694 68.148

69.252

Financing a. Current

14.027

18.583

25.494

35.076

b. Dalam Perhatian Khusus

776

891

1.319

1.610

3.074

3.837

3.958

4.321

4.433

4.960

4.324

4.271

4.222

3.114

3.835

4.141

3.429

3.606

b. Special Mention

c. Kurang Lancar

201

353

525

435

1.028

1.007

769

947

865

833

1.098

1.230

677

797

1.020

1.064

1.072

c. Sub-Standard

73

236

582

259

312

305

244

380

352

328

330

332

361

382

359

419

155

383

543

759

865

1.022

1.221

1.097

1.197

1.226

1.221

1.060

1.068

1.052

1.130

1.213

1.252

1.377

429

971

1.131

1.509

1.882

2.309

2.540

2.170

2.388

2.470

2.406

2.486

2.628

2.061

2.288

2.615

2.675

2.869

2,82

4,75

4,05

3,95

4,01

d. Diragukan e. Macet Non Performing Financing

321 267

224

Financing (%)

96

e. Lost Non Performing Financing (Nominal)

(Nominal) Rasio Non Performing

d. Doubtful

4,47

4,77

3,89

4,14

4,10

3,95

3,95

3,99

3,02

3,28

3,66

3,60

3,79

Non Performing Financing Ratio (%)



Tabel 2.6 Komposisi DPK Perbankan Syariah (Composition of Third Party Funds of Sharia Banks) Miliar Rp (Billion Rp) Desember 2006

Indikator Giro Wadiah Rupiah Valas Deposito Mudharabah Rupiah Valas Tabungan Mudharabah Rupiah Valas Total DPK Rupiah Valas

Nominal

Komposisi tdhp total DPK (%) (Composition to Total Third Party Funds) (%)

Desember 2007 Nominal

2.847 2.562 285

14,71 13,24 1,47

3.750 3.459 291

10.656 10.109 546

55,08 52,25 2,82

5.845 5.845 19.347 18.516 831


13,39 12,35 1,04





April 2010 Nominal




April 2011 Nominal


Indicators

4.238 3.741 498

11,50 10,15 1,35

6.202 5.403 798

11,86 10,34 1,53

5.965 5.072 893

53,83% 9,75% 44,08%

9.056 7.914 1.142

11,91 10,41 1,50

8.447 7.127 1.320

10,58 8,92 1,65

Wadiah Current Rupiah Foreign Exchange

14.807 13.971 836

52,86 20.143 49,88 19.273 2,98 870

54,66 52,30 2,36

29.595 28.484 1.111

56,62 54,49 2,13

31.215 30.215 999

107,44% 58,09% 49,36%

44.075 42.206 1.869

57,97 55,51 2,46

47.615 46.116 1.500

59,62 57,74 1,88

Mudharabah Deposits Rupiah Foreign Exchange

30,21 30,21 0,00

9.453 9.453 -

33,75 12.471 33,75 12.436 0,00 35

33,84 33,74 0,10

16.475 16.379 96

31,52 31,33 0,18

16.863 16.730 133

38,73% 32,16% 6,56%

22.906 22.688 218

30,13 29,84 0,29

23.800 23.665 135

29,80 29,63 0,17

Mudharabah savings Rupiah Foreign Exchange

100 95,70 4,30

28.011 26.884 1.127

100 36.852 95,98 35.449 4,02 1.403

100 96,19 3,81

52.271 50.266 2.006

100 96,16 3,84

54.043 52.018 2.025

100,00% 96,25% 3,75%

76.036 72.807 3.229

100 95,75 4,25

79.862 76.907 2.955

100 96,30 3,70


97



Tabel 2.7 Tingkat Bagi Hasil Rata-rata DPK Bank Syariah (Average of Profit Sharing Rates of Third Party Fund of Sharia Banks) Persen (Percent) 2010 Indikator

2005 2006 2007 2008

2009

Apr

Mei

Jun

Jul

Ags

2011 Sep

Okt

Nov

Des

Jan

Feb

Marr)

Apr

Indicator

Giro Wadiah Rupiah Valas

1,13 1,47

1,28 1,12

1,07 1,08

1,21 0,95

1,04 0,38

1,02 0,33

1,10 0,36

1,27 0,60

1,03 0,43

1,04 0,36

0,99 0,37

1,34 1,59

1,21 0,43

1,26 0,77

1,19 0,89

1,16 0,75

1,19 0,65

1,32 0,51

Wadiah Current Rupiah Foreign Exchange

Deposito Mudharabah Rupiah Valas

8,66 3,68

9,75 3,87

7,97 5,71

8,61 2,69

7,48 3,18

7,02 2,71

6,70 2,74

6,86 2,82

7,06 3,01

7,04 3,90

6,85 2,48

1,34 1,59

6,68 3,82

7,03 4,35

6,53 4,36

5,79 4,16

6,65 4,27

6,77 3,22

Mudharabah Deposits Rupiah Foreign Exchange

Tabungan Mudharabah Rupiah Valas

3,96 -

3,72 -

3,32 0,63

3,61 0,92

2,76 1,01

2,55 0,98

2,69 0,99

2,66 0,93

2,67 0,92

2,53 0,86

2,95 0,87

3,04 0,86

3,32 0,95

3,08 0,92

2,85 0,92

2,89 0,74

2,84 0,77

2,90 0,91

Mudharabah savings Rupiah Foreign Exchange

Ket : r) Revisi

98

Note : r) Revised



Tabel 2.8 Tingkat Margin Rata-rata Pembiayaan Berdasarkan Sektor Ekonomi (Average of Margin Rates of Financing Based on Sector Economic) Persen (Percent) Sektor Ekonomi 1. Pertanian, perburuan dan sarana pertanian - Rupiah - Valas 2. Pertambangan - Rupiah - Valas 3. Perindustrian - Rupiah - Valas 4. Listrik, gas dan air - Rupiah - Valas 5. Konstruksi - Rupiah - Valas 6. Perdagangan, restoran dan hotel - Rupiah - Valas 7. Pengangkutan, pergudangan dan komunikasi - Rupiah - Valas 8. Jasa Dunia usaha - Rupiah - Valas 9. Jasa sosial/masyarakat - Rupiah - Valas 10. Lain-lain - Rupiah - Valas

2010 2005 2006 2007 2008

2009

Apr

Mei

Jun

Jul

Ags

2011 Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

10,35

11,34

15,97

16,34

17,78

16,46

15,67

14,64

14,45

14,50

14,78

14,54

15,23

14,91

14,38

14,45

14,59

14,57

10,46 8,16 11,41 2,67 11,92 12,20 3,79 15,77 15,86 12,00 10,74 11,48 1,54 12,63

11,50 12,58 15,49 1,52 12,17 12,33 4,98 15,17 15,17 10,47 11,29 8,71

15,97 12,59 13,96 10,33 15,01 16,33 6,40 15,40 15,80 9,27 15,51 16,03 3,20 15,78

16,36 15,57 10,39 22,74 14,68 15,58 2,49 13,90 18,97 10,42 13,67 13,90 8,85 17,00

17,78 15,44 14,20 18,51 15,48 15,34 39,77 15,30 16,18 10,76 13,49 14,15 4,60 19,34

16,46 10,31 8,72 14,44 15,05 15,06 11,14 15,54 15,80 9,70 12,77 13,56 6,46 20,19

15,67 10,46 8,89 14,51 14,72 14,72 13,02 15,51 15,70 9,59 12,82 13,09 9,48 19,93

14,64 10,99 8,76 14,01 14,59 14,59 15,54 15,71 9,55 12,87 13,23 8,93 19,87

14,45 10,44 7,73 14,06 13,72 13,73 15,49 15,65 8,58 12,41 12,77 8,64 19,95

14,50 10,82 8,49 13,85 14,05 14,05 14,93 15,68 7,92 11,88 12,18 8,51 19,90

14,78 10,56 8,07 13,93 13,89 13,90 14,79 15,44 7,89 11,94 12,31 8,22 19,74

14,59 12,05 11,61 9,17 14,79 13,02 13,98 0,96 15,70 16,55 6,21 12,18 12,76 6,16 19,50

15,48 0,12 11,42 8,61 15,12 12,95 13,95 0,23 15,47 16,40 6,67 12,57 12,92 8,33 19,49

14,97 12,11 16,29 14,32 19,03 13,99 14,32 10,04 15,34 16,31 7,86 14,32 14,63 9,91 19,64

15,05 9,15 13,21 14,42 11,54 13,60 13,96 9,68 15,18 16,22 6,85 13,75 13,99 11,65 20,11

15,11 9,16 13,24 14,39 11,68 13,42 13,73 9,95 15,14 16,15 6,89 13,92 14,19 11,58 20,04

15,25 9,13 13,17 14,52 11,55 13,95 14,33 9,92 14,44 15,16 7,64 14,23 14,51 11,69 20,03

15,20 9,10 12,70 14,59 10,56 14,30 14,73 9,76 14,50 15,21 7,57 13,93 14,25 9,70 19,58

13,30 2,90 14,46

8,73 7,01 16,09

15,75 16,40 14,28

17,08 15,00 16,00

19,49 12,04 15,24

20,41 11,20 14,86

20,14 10,81 14,39

20,08 10,75 14,34

20,11 11,25 14,13

20,07 11,08 14,12

19,90 11,08 14,27

19,84 7,85 14,45

19,83 7,84 14,24

20,18 9,32 15,49

20,44 10,44 15,43

20,39 10,14 15,52

20,45 9,57 15,47

20,00 11,83 15,49

14,83 8,05 13,30 13,78 4,06 10,75 11,06 0,01 12,45 12,51 0,65

16,55 10,50 15,09 15,31 4,63 10,66 11,15 11,01 11,12 8,69

15,54 6,75 15,19 15,85 6,57 12,95 12,95 11,49 11,58 0,47

16,85 9,49 15,97 16,82 3,93 14,04 14,04 11,60 11,82 0,09

15,80 8,12 15,26 15,54 8,22 16,89 16,89 11,04 11,41 0,13

15,43 7,33 14,62 14,77 7,75 17,27 17,27 11,45 11,79 0,10

15,41 5,20 14,64 14,84 6,95 17,22 17,22 10,74 11,03 0,20

15,42 5,33 14,84 14,99 7,93 17,10 17,10 10,60 10,88 0,31

15,17 5,29 14,79 14,93 7,97 17,18 17,18 10,48 10,78 0,39

15,30 4,91 14,36 14,73 5,19 17,11 17,11 10,32 10,66 1,02

15,44 4,95 14,26 14,58 5,43 17,01 17,01 10,44 10,78 0,83

15,46 5,76 14,43 14,71 5,96 17,69 17,69 8,00 10,51 10,81 0,96

15,24 5,86 14,42 14,77 4,77 17,11 17,11 8,00 10,46 10,75 0,79

16,38 9,60 15,03 15,38 5,88 17,91 17,91 8,00 10,17 10,47 0,70

16,31 9,59 15,09 15,24 8,23 17,25 17,25 8,00 10,05 10,36 0,69

16,41 9,59 15,06 15,20 8,37 16,88 16,89 8,00 10,06 10,35 0,75

16,29 9,60 15,17 15,28 9,45 16,75 16,75 8,00 11,55 11,55 0,65

16,29 9,60 15,00 15,12 9,20 16,56 16,56 8,00 11,55 11,55 0,70

Economic Sector 1. Agriculture, hunting and agricultural facilities - Rupiah - Foreign Exchange 2. Mining - Rupiah - Foreign Exchange 3. Manufacturing - Rupiah - Foreign Exchange 4. Electricity, gas and water - Rupiah - Foreign Exchange 5. Construction - Rupiah - Foreign Exchange 6. Trading, restaurants and hotels - Rupiah - Foreign Exchange 7. Transportation, warehousing and communications - Rupiah - Foreign Exchange 8. Business Services - Rupiah - Foreign Exchange 9. Social Services - Rupiah - Foreign Exchange 10. Others - Rupiah - Foreign Exchange

99



Tabel 2.9 Tingkat Margin Rata-rata Pembiayaan Berdasarkan Jenis Penggunaan (Average of Margin Rates of Financing Based on Type of Use) Persen (Percent) Jenis Penggunaan

2010 2005 2006 2007 2008

2009

Apr

2011

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Type of Use

Modal Kerja Rupiah Valas

12,22 12,63 4,53

11,71 11,97 1,45

15,51 15,92 8,51

16,49 19,34 4,26

16,99 17,15 12,55

16,33 16,58 10,11

16,19 16,43 10,03

16,19 16,47 10,18

16,12 16,40 10,06

15,85 16,30 8,20

15,74 16,16 8,30

15,77 16,28 7,59

15,73 16,24 7,44

16,55 16,96 10,56

16,36 16,74 10,35

16,33 16,69 10,40

16,39 16,74 10,62

16,15 16,51 10,29

Working Capital Rupiah Foreign Exchange

Investasi Rupiah Valas

12,51 13,36 2,13

13,34 13,80 6,01

13,87 14,59 7,41

13,67 18,04 2,23

13,75 14,22 7,65

13,81 14,15 6,95

13,76 14,09 6,95

13,82 14,09 7,63

13,54 13,78 7,74

13,31 13,57 7,73

13,45 13,71 7,75

13,81 14,08 7,77

13,82 14,11 7,15

14,54 14,82 8,88

14,51 14,84 8,89

14,42 14,73 8,90

14,63 14,95 8,93

14,59 14,91 8,92

Investment Rupiah Foreign Exchange

Konsumsi Rupiah Valas

12,33 12,37 0,91

10,99 11,10 8,69

11,48 11,56 0,47

11,58 14,32 0,01

11,03 11,40 0,13

11,44 11,78 0,10

10,73 11,01 0,20

10,59 10,87 0,31

10,47 10,77 0,39

10,31 10,65 1,02

11,08 11,15 3,53

10,51 10,80 0,96

10,45 10,74 0,79

10,16 10,47 0,70

10,04 10,35 0,69

10,06 10,34 0,75

11,55 11,55 0,65

11,55 11,55 0,70

Consumption Rupiah Foreign Exchange

100



Tabel 2.10 Kegiatan Usaha BPR Syariah (Sharia Rural Banks Operation) Miliar Rp (Billion Rp) Indikator

2010 2005 2006 2007 2008

2009

Apr

Mei

Jun

Jul

Ags

2011 Sep

Okt

Nov

Des

Jan

Feb

Indicator

Mar

Apr

Penyaluran dana Pembiayaan Antar Bank Aktiva

-

-

1.107 877 230

1.591 1.257 334

1.995 1.587 408

2.122 1.757 365

2.174 1.817 357

2.228 1.874 354

2.303 1.926 377

2.278 1.954 324

2.372 1.980 392

2.470 2.042 428

2.465 2.041 424

2.586 2.060 525

2.614 2.084 530

2.655 2.140 515

2.676 2.164 512

2.715 Distribution of funds 2.217 Financing 499 Interbank Assets

Sumber Dana Dana Pihak Ketiga Tabungan Wadiah Tabungan Mudharabah Deposito Mudharabah Antar Bank Pasiva Pinjaman yang diterima Kewajiban lainnya

-

-

708 87 204 417 174 52 3

570 10 280 280 8 271

1.251 234 319 697 353 57 18

1.346 245 324 777 392 48 17

1.386 248 338 799 404 46 16

1.386 249 324 813 441 50 17

1.419 260 330 829 468 54 19

1.396 250 307 839 464 56 22

1.458 261 336 861 490 51 20

1.531 272 359 900 493 55 18

1.518 263 358 897 503 54 18

1.604 285 374 945 521 52 19

1.641 292 387 962 522 51 20

1.668 298 391 979 529 52 21

1.672 297 394 981 545 62 26

1.700 298 402 1.000 547 68 22

Beberapa komponen modal Modal disetor Cadangan L/R Tahun Berjalan L/R Tahun lalu

-

-

176 21 27 -9

222 28 30 -15

751 456 55 -22

742 443 25 0

776 466 31 -17

790 474 38 -21

794 465 44 -23

795 468 47 -24

802 469 52 -23

806 469 63 -25

782 448 69 -25

806 459 70 -25

819 472 7 42

849 492 14 37

839 484 19 13

843 485 27 2

Source of Funds Third Party Funds Wadiah Savings Mudharabah Savings Deposit Mudharabah Interbank Liabilities Loan received Other Liabilities Some Components of Capital Paid-In Capital Reserves Current Earnings (Profit/Loss) Retained Earnings (Profit/Loss)

101



Tabel 2.11 Aset dan Pembiayaan BPR Syariah (Asset and Financing of Sharia Rural Bank) Miliar Rp (Billion Rp) 2010 Indikator

2005 2006 2007 2008

2009

Apr

Mei

Jun

Jul

Ags

2011 Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Indicator

Aset

-

-

1.203

1.693

2.126

2.260

2.324

2.374

2.447

2.429

2.522

2.619

2.615

2.739

2.777

2.825

2.844

2.887

Assets

Pembiayaan Lancar Kurang Lancar Diragukan Macet

-

-

882 807 22 22 31

1.257 1.151 35 21 49

1.587 1.475 31 31 50

1.757 1.631 39 31 57

1.817 1.688 40 33 57

1.874 1.744 40 30 60

1.926 1.788 45 32 61

1.954 1.814 43 33 64

1.980 1.833 44 34 69

2.042 1.889 47 34 73

2.041 1.888 46 33 75

2.060 1.927 39 30 65

2.084 1.943 42 35 65

2.140 1.989 48 33 70

2.164 2.009 51 34 69

2.217 2.061 56 33 67

Financing Current Sub Standard Doubtful Lost

Non Performing Financing (Nominal)

-

-

75

105

112

126

130

130

138

140

147

153

154

134

141

151

155

156

Non Performing Financing (%)

-

-

8,56

8,38

7,03

7,19

7,13

6,92

7,16

7,18

7,42

7,48

7,53

6,50

6,79

7,04

7,15

7,02

102

Non Performing Financing (Nominal) Non Performing Financing (%)



Tabel 2.12 Jaringan Kantor Perbankan Syariah (Sharia Bank Office Network) 2010 Indikator

2005 2006 2007 2008

2009

Apr

Mei

Jun

Jul

Ags

2011 Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Indicator

Bank Umum Syariah (BUS) Jumlah Bank Jumlah Kantor

3 301

3 346

3 398

5 576

6 711

9 918

10 970

10 1.058

10 1.113

10 1.111

10 1.151

11 1.154

11 1.171

11 1.215

11 1.242

11 1.253

11 1.268

11 1.276

Unit Usaha Syariah (UUS) Jumlah Bank Jumlah Kantor

19 133

20 163

26 170

27 214

25 287

25 312

24 298

23 244

23 251

23 236

23 237

23 237

23 239

23 262

23 264

23 280

23 307

23 315

Sharia Business Units Total Banks Total Bank Offices

-

-

114 185

131 202

139 223

144 271

144 271

145 275

146 276

146 277

146 278

148 282

149 283

150 286

151 290

151 291

153 293

153 293

Sharia Rural Bank Total Banks Total Bank Offices

BPR Syariah Jumlah Bank Jumlah Kantor

Sharia Commercial Banks Total Banks Total Bank Offices

103



Tabel 2.13 Kinerja Bank Umum Syariah (Sharia Commercial Bank Performance) Miliar Rp (Billion Rp) 2010 Indikator CAR (%) - Modal - ATMR KAP APYD terhadap Aktiva Produktif (%) - APYD - Total Aktiva Produktif Rentabilitas NOM (%) - Pendapatan Operasional bersih - Rata-rata Aktiva produktif ROA (%) - Laba - Rata-Rata total aset BOPO (%) - Biaya Operasional - Pendapatan Operasional Likuiditas Short Term Mistmach (%) - Aktiva Jangka Pendek - Kewajiban Jangka Pendek FDR (%) - Pembiayaan - Dana Pihak Ketiga

2005 2006 2007 2008

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Indicator

Des

Jan

Feb

Mar

Apr

16,61 CAR (%) 9.398 - Capital 56.586 - Risk Weighted Assets

-

-

-

-

- 12,12 15,54 4.936 5.746 - 40.719 36.975

12,89 5.866 45.492

14,66 7.566 51.615

14,23 7.622 53.570

14,58 7.692 52.752

15,74 8.605 54.672

15,49 8.710 56.246

16,76 9.578 57.156

20,23 9.033 44.643

15,17 9.295 61.265

16,17 9.489 58.684

-

-

-

-

-

95,14

95,60

95,52

95,29

95,75

96,12

96,07

96,84

96,93

96,37

96,70

-

-

-

-

2.168 1.970 - 45.337 40.541

2.433 55.280

2.555 57.087

2.755 58.466

2.525 59.355

2.385 61.431

2.511 63.905

2.121 67.230

1.569 51.108

2.535 69.941

2.457 74.364

-

-

-

-

-

1,45 573

1,54 637

1,42 615

1,76 794

1,76 826

1,70 833

1,89r) 963r)

1,77 936

1,54 832

1,71 962

1,85 1.087

1,55 948

Profitability NOM (%) - Net Operations Income

-

-

-

-

- 39.016 39.632

41.381

43.242

45.162

46.993

48.952

50.880r)

53.024

54.100

56.320

58.843

61.131

- Average Earning Assets

-

-

-

-

1,73 1,66 839 821 - 48.540 49.558 - 80,85 82,07

1,49 765 51.486 83,90

1,57 836 53.291 82,48

1,54 844 54.730 82,62

1,64 919 56.133 81,83

1,77 999 56.608 80,62

1,74 1.021 58.722 80,14

1,59 960 60.268 82,38

2,09 1.632 78.203 78,89

1,65 1.289 78.165 81,98

1,89 1.505 79.843 78,85

1,98 1.582 79.998 79,92

-

-

-

-

-

1.460 1.779

1.868 2.226

2.213 2.683

2.600 3.147

2.978 3.640

3.395 4.211

3.835 4.785

4.368 5.302

453 574

893 1.089

1.335 1.694

1.840 2.302

ROA (%) - Profit - Average Assets (Operations Expenses / Operations Income (%) - Operations Expenses - Operations Income

-

-

-

-

- 18,77 19,27 7.291 7.766 - 38.840 40.306

18,12 7.864 43.404

19,14 9.066 47.368

19,01 8.817 46.383

19,55 9.643 49.315

20,61 10.323 50.077

19,81 10.269 51.839

16,76 9.578 57.156

19,95 11.267 56.478

21,19 11.921 56.263

20,40 12.481 61.169

17,92 10.829 60.435

Likuidity Short Term Mistmach (%) - Short-Term Assets - Short-Term Liabilities

-

-

-

-

- 92,97 96,65 - 37.481 53.223 - 40.317 55.067

93,46 46.260 49.499

92,36 47.728 51.676

95,28 49.679 52.139

91,72 50.190 54.721

92,11 51.988 56.440

93,50 54.666 58.467

87,60 56.357 64.335

90,69 58.062 64.022

94,39 59.480 63.018

93,28 62.916 67.446

93,28 62.916 67.446

Ket : Data tersedia mulai posisi Maret 2010 r) Revisi

104

2009

2011

95,22

1,40 545

1.122 1.387

Earning Assset Quality Classified Earning assets to Earning assets (%) 2.567 - Classified Earning Assets 72.454 - Total Earning assets 96,46

FDR (%) - Financing - Third Party Funds

Note : Data Available on March 2010 r) Revisi



Tabel 2.14 Bank Umum Syariah Berdasarkan Tingkat Rasio (Sharia Commercial Based on Ratios) 2010 Indikator Modal Inti <100 miliar >100 miliar CAR <12% >12% NPL <5% >5% ROA <1,5% >1,5% LDR <50% >50%

2005 2006 2007 2008

2009

Apr

Mei

Jun

Jul

Ags

2011 Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

-

-

-

-

-

8

8

10

10

10

10

11

11

11

11

11

11

11

-

-

-

-

-

4 4

3 6

3 7

2 8

3 7

3 7

3 8

3 8

3 8

11

1 10

2 9

1 10

-

-

-

-

-

7 1

8 1

9 1

9 1

9 1

9 1

11 -

11 -

11 -

11 -

11 -

11 -

11 -

-

-

-

-

-

5 3

5 4

7 3

7 3

7 3

6 4

6 5

6 5

6 5

6 5

5 6

4 7

4 7

-

-

-

-

-

8

9

10

1 9

1 9

1 9

1 10

1 10

1 10

1 10

1 10

1 10

1 10

Ket : Data tersedia mulai posisi Januari 2010

Indicator Tier One Capital <100 billion >100 billion Capital Adequacy Ratio <12% >12% Non Performing Loan Ratio <5% >5% Return on Asset Ratio <1,5% >1,5% Loan to Deposit Ratio <50% >50%

Note : Data Available on January 2010

105




106



DATA BPR

107



Tabel 3.1 Kegiatan Usaha Bank Perkreditan Rakyat (Rural Bank Operations) Miliar Rp (Billion Rp) 2010 Indikator Penyaluran Dana a. Kredit b. Antar Bank Aktiva Sumber Dana a. DPK Deposito Tabungan b. Antar Bank Pasiva c. Pinjaman yang Diterima d. Kewajiban Segera Beberapa Komponen Modal a. Modal Disetor b. Cadangan c. L/R Tahun Berjalan d. L/R Tahun Lalu

108

2005 2006 2007 2008

14.654 16.948 3.442 4.956

9.421 11.190 3.757 4.581 1.761 2.401 406 416 107 145

20.540 6.009

12.701 6.018 3.240 482 189

2009

25.472 28.001 5.841 8.075

14.204 17.280 7.135 8.272 4.214 3.947 542 541 250 328

2011 Indicator

Apr

Mei

Jun

30.195 30.858 31.495 7.861 7.700 7.649

18.797 19.013 19.297 8.713 8.872 8.734 4.040 4.061 4.354 516 485 476 281 299 269

Jul

Ags

Sep

Okt

Nov

32.066 32.835 32.834 33.284 33.580 7.676 7.115 8.215 8.788 9.238

19.558 19.751 20.299 20.768 21.060 8.960 8.698 9.047 9.292 9.482 4.321 4.492 4.569 4.437 4.572 481 490 486 640 621 269 296 274 303 304

Des

Jan

33.844 10.033

34.158 10.200

21.455 9.857 4.739 610 373

21.979 10.053 4.487 640 369

Feb

Mar

Apr

34.860 35.669 36.365 9.961 10.014 9.694

22.223 22.644 22.975 10.136 10.330 10.447 4.598 4.744 4.743 620 633 630 390 396 383 -

1.908 484 604

2.333 697 509

2.776 828 663

3.241 1.098 849

4.072 1.033 1.158

4.259 1.236 527

4.328 1.276 665

4.399 1.304 805

4.457 1.303 932

4.538 1.296 1.021

4.573 1.304 1.112

4.635 1.276 1.179

4.690 1.283 1.382

4.757 1.272 1.447

4.799 1.345 155

4.869 1.359 295

4.938 1.381 466

4.991 1.415 631

131

129

38

-100

-118

41

-24

-85

-106

-107

-124

-126

-141

-157

1.035

916

576

187

Fund Disbursements a. Credits b. Inter-Bank Assets Source of Funds a. Third Party Funds Time Deposits Savings Deposits b. Inter-Bank Liabilities c. Loans received d. Immediate Liabilities Several Components of Capital a. Paid-In Capital b. Reserves c. Current Earnings (Profit/Loss) d. Retained Earnings (Profit/Loss)



Tabel 3.2 Kinerja Bank Perkreditan Rakyat (Rural Bank Performance) Miliar Rp (Billion Rp) 2010 Indikator

2011 Indicator

2005 2006 2007 2008

2009

LDR (%) - Total Kredit - Penghimpunan Dana - Modal Inti

82,00 87,37 80,03 82,54 14.654 16.953 20.684 25.480 15.345 17.879 21.696 25.944 2.525 1.525 4.149 4.926

79,61 80,77 81,49 82,04 28.012 30.211 30.877 31.514 29.496 31.470 31.804 32.227 5.691 5.935 6.085 6.187

82,39 83,95 81,79 32.088 32.864 32.863 32.685 32.803 33.748 6.263 6.345 6.430

82,05 80,86 79,02 78,47 33.314 33.609 33.878 34.190 34.360 35.209 36.420 36.676 6.239 6.356 6.450 6.893

79,39 80,00 81,10 LDR (%) 34.894 35.704 36.399 - Total Credit 36.961 37.644 38.031 - Funds collected 6.990 6.988 6.851 - Core Capital

NPL (%) - Kredit Non Lancar - Total Kredit

7,97 9,73 7,98 9,88 1.169 1.649 1.639 2.516 14.654 16.948 20.540 25.472

6,90 7,03 6,78 6,53 1.932 2.122 2.091 2.057 28.001 30.195 30.858 31.495

6,64 6,64 6,78 2.129 2.181 2.226 32.066 32.835 32.834

6,79 6,78 6,12 6,45 2.259 2.277 2.070 2.202 33.284 33.580 33.844 34.158

6,52 6,41 6,44 NPL (%) 2.274 2.286 2.342 - Non Current Credits 34.860 35.669 36.365 - Total Credit

ROA (%) - L/R Tahun Berjalan - Total Aktiva

2,96 604

2,21 509

2,39 663

2,61 849

20.393 23.045 27.741 32.533

3,08 1.158

Apr

4,00 527

Mei

3,98 665

Jun

3,95 805

37.554 39.489 40.105 40.725

Jul

3,86 932

Ags

3,67 1.021

Sep

3,46 1.112

41.409 41.714 42.832

Okt

3,20 1.179

Nov

3,37 1.382

Des

3,16 1.447

Jan

4,03 155

44.165 44.726 45.742 46.291

Feb

Mar

3,77 295

3,92 466

Apr

3,95 ROA (%) 631 - Current Earnings (Profit/ Loss) 46.819 47.627 48.001 - Total Aktiva

ROE (%) - L/R Tahun Berjalan

25,23 604

19,25 509

20,98 663

22,67 849

25,08 1.158

32,26 527

32,09 665

31,80 805

31,20 932

29,44 1.021

28,32 1.112

26,72 1.179

28,14 1.382

26,71 1.447

34,08 155

31,84 295

33,02 466

- Modal Disetor - Cadangan Umum

1.908 484

2.333 312

2.776 384

3.241 506

4.072 546

4.259 639

4.328 645

4.399 663

4.457 666

4.538 666

4.573 665

4.635 661

4.690 667

4.757 661

4.799 671

4.869 681

4.938 712

33,04 ROE (%) 631 - Current Earnings (Profit/ Loss) 4.991 - Paid-In Capital 741 - General Reserve

109



Tabel 3.3 Perkembangan Aset BPR Berdasarkan Lokasi BPR (Growth of Rural Bank Asset Based on Location) Miliar Rp (Billion Rp) 2010 Lokasi Jawa Barat Banten DKI Jakarta D.I. Yogyakarta Jawa Tengah Jawa Timur Bengkulu Jambi Nanggroe Aceh Darussalam Sumatera Utara Sumatera Barat Riau Kep. Riau Sumatera Selatan Bangka-Belitung Lampung Kalimantan Selatan Kalimantan Barat Kalimantan Timur Kalimantan Tengah Sulawesi Tengah Sulawesi Selatan Sulawesi Utara Sulawesi Tenggara Sulawesi Barat Gorontalo Nusa Tenggara Barat Bali Nusa Tenggara Timur Maluku Papua Maluku Utara Irian Jaya Barat Lainnya Total

2005 2006 2007 2008 4.098 372 228 997 5.069 2.788 15 62 36 341 413 231 241 134 9 2.975 94 180 72 1 61 76 113 19 13 260 1.236 20 84 165 1 -

4.354 388 350 1.101 5.665 3.145 15 140 38 376 537 247 428 206 10 3.038 107 307 99 3 89 119 131 31 22 321 1.467 23 127 162 1 -

20.402 23.045

4.818 512 489 1.409 6.723 3.616 18 216 54 419 733 392 620 336 8 3.516 167 403 154 7 134 194 171 47 23 375 1.851 35 160 137 1 -

5.868 632 571 1.634 7.790 4.030 23 205 110 495 901 491 855 394 9 3.563 260 511 193 10 209 272 194 57 3 21 456 2.318 64 210 184 1 -

2009

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

7.061 737 708 1.848 9.190 4.739 25 244 121 580 1.025 601 1.349 520 20 3.037 250 577 233 28 254 336 241 65 2 26 535 2.663 109 210 215 2 -

7.463 791 761 1.938 9.477 4.941 26 280 99 611 1.002 635 1.581 579 22 3.246 266 598 222 39 237 341 278 65 3 26 537 2.881 123 205 207 2 7 -

7.624 799 779 1.961 9.585 5.030 26 277 100 617 1.024 646 1.618 595 21 3.266 264 605 224 41 263 341 280 65 3 27 549 2.905 126 206 225 2 9 -

7.635 814 821 2.018 9.752 5.128 27 286 101 625 1.050 653 1.695 578 22 3.288 273 595 234 41 262 349 288 66 3 27 548 2.963 130 217 222 2 11 -

7.760 823 833 2.043 9.987 5.216 26 295 100 629 1.040 661 1.781 603 21 3.224 284 619 242 42 266 358 298 65 3 28 560 3.016 133 211 223 4 14 -

7.825 836 850 2.081 9.940 5.227 27 296 98 629 1.007 673 1.847 605 22 3.278 276 631 247 40 274 371 310 65 2 28 551 3.075 137 219 229 4 14 -

8.071 850 822 2.121 10.218 5.354 27 305 100 639 1.052 688 1.927 626 21 3.345 292 674 251 45 289 379 326 66 3 28 562 3.142 137 215 237 5 16 -

8.557 860 841 2.158 10.505 5.460 28 312 100 658 1.073 711 2.025 632 22 3.444 298 673 253 45 288 388 336 67 3 29 551 3.234 141 212 238 5 21 -

8.405 877 859 2.194 10.704 5.516 28 317 101 671 1.107 738 2.077 629 24 3.500 327 681 250 46 290 423 354 67 3 29 581 3.310 147 214 226 5 24 -

8.511 907 922 2.250 10.899 5.607 30 323 104 677 1.157 735 2.161 645 25 3.539 348 670 272 46 309 457 395 68 3 29 585 3.431 153 217 231 8 29 -

8.539 8.602 928 929 965 984 2.245 2.254 11.014 11.055 5.630 5.672 29 30 328 334 106 105 686 699 1.157 1.170 753 770 2.231 2.301 676 689 26 25 3.600 3.665 327 364 692 737 265 260 48 46 328 308 461 472 398 415 66 62 3 3 27 27 591 592 3.520 3.583 153 155 213 222 244 248 7 8 32 34 -

8.727 945 1.004 2.292 11.208 5.743 30 346 106 702 1.185 790 2.367 691 27 3.689 395 741 255 49 339 492 423 71 3 28 601 3.722 159 207 249 8 36 -

8.885 956 1.002 2.313 11.277 5.793 30 349 107 702 1.190 800 2.398 686 27 3.651 399 714 251 51 342 500 424 71 3 28 614 3.778 158 201 250 8 40 -

27.741 32.533 37.554

39.489

40.105

40.725

41.409

41.714

42.832

44.165

44.726

45.742

46.291 46.819

47.627

48.001

Ket ) : Perubahan lokasi sesuai pemekaran daerah mulai Juni 2010

110

Apr

2011 Location Jawa Barat Banten DKI Jakarta D.I. Yogyakarta Jawa Tengah Jawa Timur Bengkulu Jambi Nanggroe Aceh Darussalam Sumatera Utara Sumatera Barat Riau Kep. Riau Sumatera Selatan Bangka-Belitung Lampung Kalimantan Selatan Kalimantan Barat Kalimantan Timur Kalimantan Tengah Sulawesi Tengah Sulawesi Selatan Sulawesi Utara Sulawesi Tenggara Sulawesi Barat Gorontalo Nusa Tenggara Barat Bali Nusa Tenggara Timur Maluku Papua Maluku Utara Irian Jaya Barat Others Total

Note) : Change location accordance region expansion since June 2010



Tabel 3.4 Jumlah BPR Berdasarkan Total Aset (Rural Banks Based on Total Assets) Miliar Rp (Billion Rp) Total Aset Total Aset BPR < 1 Miliar Total Aset BPR 1 s.d 5 Miliar Total Aset BPR 5 s.d 10 Miliar Total Aset BPR > 10 m Total

2010 2005 2006 2007 2008

2009

Apr

Mei

Jun

Jul

Ags

2011 Sep

Okt

Nov

Des

Jan

Feb

Mar

Total Asset

Apr

147

111

85

56

46

41

43

37

33

32

34

33

29

25

21

23

22

23

1.010

835

651

536

429

389

376

373

379

370

367

352

347

341

336

316

314

312

491

479

527

511

479

458

464

456

444

453

437

427

417

433

412

405

398

394

361

455

554

669

779

824

830

849

860

862

877

895

913

907

931

927

945

951

2.009

1.880

1.817

1.772

1.733

1.712

1.713

1.715

1.716

1.717

1.715

1.707

1.706

1.706

1.700

1.671

1.679

1.680

Total Asset Rural bank < 1 Billion Total Asset Rural bank 1 up to 5 Billion Total Asset Rural bank 5 up to 10 Billion Total Asset Rural bank > 10 Billion Total

111



Tabel 3.5 Non Performing Loan Bank Perkreditan Rakyat (NPL of Rural Bank) Miliar Rp (Billion Rp) 2010 Kolektibilitas Kredit a. Lancar

2005 2006 2007 2008

2009

2011 Collektibility

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

14.654 16.948 20.540 25.472 28.001 30.195 30.858 31.495 32.066 32.835 32.834 33.284 33.580 33.844 34.158 34.860 35.669 36.365 Credit 13.485 15.299 18.901 22.956 26.068 28.074 28.768 29.437 29.937 30.654 30.609 31.025 31.303 31.775 31.956 32.586 33.383 34.023

a. Current

b. Kurang Lancar

404

473

407

1.039

457

589

574

545

580

605

623

635

624

514

610

647

633

646

b. Sub-Standard

c. Diragukan

494

482

319

342

335

374

396

390

397

401

410

413

423

398

418

434

437

476

c. Doubtful

d. Macet

271

694

913

1.135

1.140

1.158

1.120

1.122

1.151

1.175

1.192

1.211

1.230

1.158

1.173

1.193

1.217

1.220

1.169

1.649

1.639

2.516

1.932

2.122

2.091

2.057

2.129

2.181

2.226

2.259

2.277

2.070

2.202

2.274

2.286

2.342 Non Performing Loan

7,98

9,73

7,98

9,88

6,90

7,03

6,78

6,53

6,64

6,64

6,78

6,79

6,78

6,12

6,45

6,52

6,41

6,44 Non Performing Ratio

Non Performing Loan (Nominal) Rasio Non Performing Loan (%)

112

d. Lost

(Nominal) (%)



Tabel 3.6 Non Performing Loan BPR Berdasarkan Lokasi (NPL of Rural Banks Based On Location) Miliar Rp (Billion Rp) 2010 Lokasi Jawa Barat Banten DKI Jakarta D.I. Yogyakarta Jawa Tengah Jawa Timur Bengkulu Jambi Nanggroe Aceh Darussalam Sumatera Utara Sumatera Barat Riau Kep. Riau Sumatera Selatan Bangka-Belitung Lampung Kalimantan Selatan Kalimantan Barat Kalimantan Timur Kalimantan Tengah Sulawesi Tengah Sulawesi Selatan Sulawesi Utara Sulawesi Tenggara Sulawesi Barat Gorontalo Nusa Tenggara Barat Bali Nusa Tenggara Timur Maluku Papua Maluku Utara Irian Jaya Barat Lainnya Total

2005 2006 2007 2008

2009

Apr

Mei

Jun

Jul

Ags

2011 Sep

Okt

Nov

Des

Jan

Feb

Mar

280 33 4 71 403 151 1 1 5 22 27 11 1 9 1 33 8 8 3 0 1 7 6 1 0 2 24 55 2 1 3 0 0 0

413 36 11 93 607 184 1 4 6 33 33 12 3 16 2 45 5 13 4 0 3 9 5 1 0 3 27 74 2 1 3 0 0 0

379 42 17 83 614 170 1 9 6 27 32 14 5 16 2 58 5 13 8 0 2 11 4 1 0 4 30 78 1 1 4 0 0 0

408 43 26 80 591 157 1 11 7 29 40 18 9 20 1 909 5 17 10 0 4 11 5 3 0 3 33 71 1 1 5 0 0 0

417 70 36 80 618 155 1 14 33 35 67 27 9 24 1 84 9 19 27 1 4 13 6 2 0 4 40 126 4 2 6 0 0 0

428 65 36 100 673 175 1 15 37 33 72 36 13 29 1 95 10 20 30 1 5 20 8 4 0 4 57 143 4 3 7 0 0 0

435 65 38 103 681 182 1 14 34 34 74 35 15 30 2 69 10 20 29 1 4 20 10 4 0 4 58 103 4 4 8 0 0 0

431 68 38 102 672 183 1 15 13 34 78 35 15 30 2 72 10 20 29 1 5 21 9 4 0 4 57 93 5 4 8 0 0 0

445 72 40 106 698 196 1 15 13 35 79 37 16 30 2 68 10 19 31 1 5 22 12 4 0 4 57 95 4 4 8 0 0 0

443 74 50 109 708 206 1 14 13 36 89 41 18 29 2 59 10 17 29 1 5 21 11 4 0 5 60 107 5 3 8 0 0 0

459 76 37 110 729 210 1 14 14 38 90 45 22 32 2 59 10 18 30 2 5 20 11 4 0 5 61 105 4 4 8 0 0 0

456 94 37 116 735 207 1 14 13 40 97 46 23 32 2 59 9 18 27 2 5 21 13 5 0 5 62 104 5 4 8 0 0 0

461 86 43 119 741 203 1 14 11 41 96 45 26 33 2 58 10 18 30 2 5 20 13 5 0 5 69 104 5 5 9 0 0 0

427 81 46 103 658 176 1 14 10 39 87 40 22 31 2 52 8 17 30 2 4 19 12 6 0 5 64 98 5 6 6 0 0 0

434 84 50 116 705 203 1 14 11 37 91 44 26 31 2 55 9 17 30 2 4 18 13 6 0 4 67 111 6 5 7 0 0 0

447 88 55 121 704 215 1 14 9 36 96 47 33 34 2 63 10 18 30 2 4 18 14 6 0 4 67 121 6 5 6 0 0 0

446 91 57 124 707 215 1 15 9 37 94 44 31 33 1 59 10 18 30 3 4 17 15 7 0 4 71 127 6 5 6 0 0 0

449 90 57 129 753 221 1 14 9 41 86 47 36 34 1 48 9 17 29 3 4 17 15 7 0 3 73 130 6 6 6 0 0 0

1.170

1.649

1.639

2.516

1.932

2.122

2.091

2.057

2.129

2.181

2.226

2.259

2.277

2.070

2.202

2.274

2.286

2.342

Ket. : Perubahan lokasi sesuai pemekaran daerah mulai Juni 2010

Location

Apr

Jawa Barat Banten DKI Jakarta D.I. Yogyakarta Jawa Tengah Jawa Timur Bengkulu Jambi Nanggroe Aceh Darussalam Sumatera Utara Sumatera Barat Riau Kep. Riau Sumatera Selatan Bangka-Belitung Lampung Kalimantan Selatan Kalimantan Barat Kalimantan Timur Kalimantan Tengah Sulawesi Tengah Sulawesi Selatan Sulawesi Utara Sulawesi Tenggara Sulawesi Barat Gorontalo Nusa Tenggara Barat Bali Nusa Tenggara Timur Maluku Papua Maluku Utara Irian Jaya Barat Others Total

Note : Change location accordance region expansion since June 2010

113



Tabel 3.7 Komposisi DPK Bank Perkreditan Rakyat (Composition of Third Party Funds of Rural Bank) Miliar Rp (Billion Rp) Desember 2006

Jenis

Desember 2007

Komposisi thd Total DPK (%)

Desember 2008


Desember 2009


Maret 2010


Desember 2010


Maret 2011



Nominal (Composition Nominal (Composition Nominal (Composition Nominal (Composition Nominal (Composition Nominal (Composition Nominal (Composition to Total Third Party Funds) (%)

to Total Third Party Funds) (%)





Jenis


Deposito

11.190

70,95

12.701

67,85

14.204

66,56

17.280

67,63

18.797

68,33

21.455

68,52

22.975

68,74

Time Deposits

Tabungan

4.581

29,05

6.018

32,15

7.135

33,44

8.272

32,37

8.713

31,67

9.857

31,48

10.447

31,26

Savings Deposits

Total DPK

15.771

100

18.719

100

21.339

100

25.552

100

27.509

100

31.312

100

33.422

100

114

Total Third Party Funds



Tabel 3.8 Komposisi DPK BPR Berdasarkan Lokasi Penghimpunan - Maret 2011 (Composition of Third Party Funds of Rural Banks Based on Location - March 2011)

Lokasi

Tabungan (Saving Deposits)

Deposito (Demand Deposit)

Total DPK (Total of Third Party Funds)

Miliar Rp (Billion Rp) Jawa Barat Banten DKI Jakarta D.I. Yogyakarta Jawa Tengah Jawa Timur Bengkulu Jambi Nanggroe Aceh Darussalam Sumatera Utara Sumatera Barat Riau Kep. Riau Sumatera Selatan Bangka-Belitung Lampung Kalimantan Selatan Kalimantan Barat Kalimantan Timur Kalimantan Tengah Sulawesi Tengah Sulawesi Selatan Sulawesi Utara Sulawesi Tenggara Sulawesi Barat Gorontalo Nusa Tenggara Barat Bali Nusa Tenggara Timur Maluku Papua Maluku Utara Irian Jaya Barat Lainnya Total

Pangsa Thd Total DPK (%) (Portion of Total Third Party Funds (%))

1.513 135 151 467 3.221 1.152 11 52 20 233 549 277 224 229 6 401 76 268 63 18 72 89 70 26 1 6 201 792 45 30 36 2 12 0

4.880 424 487 1.109 4.719 2.518 7 211 24 284 340 319 1.742 267 18 2.133 156 318 92 13 115 189 238 24 1 9 189 1.818 71 80 152 3 25 0

6.392 559 637 1.576 7.940 3.670 18 264 44 517 889 595 1.966 497 24 2.535 232 586 155 31 188 278 308 50 2 15 390 2.610 116 110 188 5 37 0

19,13 1,67 1,91 4,72 23,76 10,98 0,05 0,79 0,13 1,55 2,66 1,78 5,88 1,49 0,07 7,58 0,70 1,75 0,46 0,09 0,56 0,83 0,92 0,15 0,01 0,04 1,17 7,81 0,35 0,33 0,56 0,01 0,11 -

10.447

22.975

33.422

100


Location


Note ) : Change location accordance region expansion since June 2010

115



Tabel 3.9 DPK BPR Berdasarkan Lokasi Penghimpunan (Third Party Funds of Rural Banks Based on Deposits Location) Miliar Rp (Billion Rp) 2010 Lokasi Jawa Barat Banten DKI Jakarta D.I. Yogyakarta Jawa Tengah Jawa Timur Bengkulu Jambi Nanggroe Aceh Darussalam Sumatera Utara Sumatera Barat Riau Kep. Riau Sumatera Selatan Bangka-Belitung Lampung Kalimantan Selatan Kalimantan Barat Kalimantan Timur Kalimantan Tengah Sulawesi Tengah Sulawesi Selatan Sulawesi Utara Sulawesi Tenggara Sulawesi Barat Gorontalo Nusa Tenggara Barat Bali Nusa Tenggara Timur Maluku Papua Maluku Utara Irian Jaya Barat Lainnya Total

2005 2006 2007 2008 2.806 210 143 712 3.446 1.740 7 34 23 242 270 126 203 97 6 1.663 56 138 49 1 39 44 69 16 5 139 787 7 50 56 0 -

2.995 214 218 805 4.041 2.077 9 101 26 273 330 183 357 156 7 2.045 65 247 64 2 40 72 97 28 7 172 949 9 64 119 0 -

3.305 274 288 1.043 4.712 2.349 11 161 34 307 475 293 476 258 8 2.287 97 319 89 6 54 122 126 42 9 209 1.179 17 71 95 0 -

4.035 308 305 1.142 5.395 2.476 15 146 57 357 580 350 657 308 8 2.140 144 399 114 6 93 128 145 50 2 7 260 1.455 38 100 119 0 -

2009 5.072 382 420 1.290 6.449 2.964 17 186 37 426 715 417 1.071 386 17 1.945 154 470 152 15 99 185 171 55 1 10 319 1.803 71 99 152 1 -

5.484 441 453 1.358 6.740 3.147 16 225 64 453 711 446 1.286 436 19 2.189 158 492 143 24 87 192 207 54 3 11 320 1.984 87 112 153 1 15 -

13.184 15.771 18.719 21.339 25.552 27.509


116

Apr

Mei 5.593 446 463 1.371 6.803 3.200 16 221 64 456 726 452 1.312 454 18 2.183 160 492 144 26 109 192 212 53 3 12 328 2.000 89 110 170 2 7 -

Jun

Jul

5.550 448 500 1.384 6.827 3.238 15 225 46 458 736 459 1.370 434 19 2.199 150 485 151 25 105 197 222 55 2 12 324 2.013 90 115 165 2 10 -

5.630 451 503 1.405 6.952 3.291 16 231 45 461 728 470 1.439 452 18 2.222 151 503 155 26 108 203 231 53 2 13 323 2.054 92 108 166 2 12 -

27.885 28.031

Ags 5.618 455 522 1.413 6.825 3.246 16 228 38 458 690 479 1.489 453 19 2.239 130 515 159 25 110 216 240 53 1 13 320 2.088 96 110 169 3 12 -

28.517 28.449

2011 Sep 5.784 466 518 1.438 7.070 3.353 16 236 40 470 734 494 1.558 460 18 2.298 139 559 161 29 116 216 255 55 2 13 328 2.133 95 101 174 3 14 -

Okt 5.925 481 530 1.459 7.252 3.414 16 239 39 484 757 507 1.637 464 18 2.341 156 558 162 28 111 221 258 55 2 13 330 2.210 98 95 174 3 19 -

29.346 30.060

Nov 6.008 489 545 1.473 7.377 3.444 17 241 40 488 784 519 1.673 459 21 2.363 161 562 159 29 114 242 265 55 2 14 359 2.259 103 93 160 4 22 -

Des 6.061 509 600 1.511 7.529 3.497 18 244 41 493 829 525 1.758 471 21 2.427 177 547 177 28 130 259 282 56 2 14 366 2.331 108 105 166 4 26 -

Jan 6.106 522 646 1.520 7.701 3.545 18 248 43 499 850 543 1.827 492 23 2.520 183 567 170 30 143 266 289 54 2 14 372 2.420 108 101 179 5 29 -

Feb 6.145 532 642 1.528 7.729 3.564 18 249 43 507 864 559 1.884 504 22 2.535 195 607 163 27 145 268 303 50 2 14 371 2.455 111 111 180 5 30 -

Mar 6.274 545 640 1.548 7.812 3.596 18 256 43 517 887 580 1.942 501 23 2.547 217 619 157 30 181 272 308 50 2 15 379 2.559 114 116 187 5 32 -

Location

Apr 6.392 559 637 1.576 7.940 3.670 18 264 44 517 889 595 1.966 497 24 2.535 232 586 155 31 188 278 308 50 2 15 390 2.610 116 110 188 5 37 -

30.542 31.312 32.032 32.360 32.974 33.422


Note) : Change location accordance region expansion since June 2010



Tabel 3.10 Suku Bunga Rata-rata DPK Bank Perkreditan Rakyat (Average of Third Party Interest Rates of Rural Banks) Persen (Percent) Indikator

2010 2005 2006 2007 2008

2009

Apr

Mei

Jun

Jul

Ags

2011 Sep

Okt

Nov

Des

Jan

Feb

Indicator

Mar

Apr

Tabungan

-

-

-

7,16

6,32

5,98

6,00

6,03

5,97

5,94

5,95

5,77

5,68

5,53

5,53

5,45

5,51

5,43

Deposito

-

-

-

12,43

10,81

10,51

10,47

10,37

10,38

10,33

10,34

10,23

10,20

10,25

10,09

10,18

9,60

10,27

Ket. Data tersedia mulai Desember 2008

Saving Deposits Time Deposits

Note : Data available on December 2008

117



Tabel 3.11 Suku Bunga Rata-rata Kredit BPR Berdasarkan Sektor Ekonomi (Average of Credit Interest Rates of Rural Banks Based on Economic Sector) Persen (Percent) Sektor Ekonomi

2010 2005 2006 2007 2008

2009

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Economic Sector

1. Pertanian, perburuan dan sarana pertanian

-

-

-

38,70

39,21

39,12

39,07

38,99

38,85

38,76

38,92

38,84

38,71

38,34 1. Agriculture, hunting and agricultural facilities

2. Perindustrian

-

-

-

32,87

32,38

32,38

32,25

32,47

31,78

31,60

31,57

31,55

31,38

31,16 2. Manufacturing

3. Perdagangan, restoran dan hotel

-

-

-

33,60

34,32

34,21

34,05

33,92

33,72

33,67

33,45

33,36

33,35

33,18 3. Trade, restaurants and hotels

4. Jasa sosial/masyarakat

-

-

-

31,61

31,67

31,18

31,08

30,92

30,58

30,56

30,42

30,23

30,05

29,85 4. Social Services

5. Lain-lain

-

-

-

29,50

29,33

29,24

29,08

28,98

28,87

28,70

28,59

28,51

28,38

28,27 5. Others

Ket.: Data tersedia mulai Desember 2008 1) Data bulan Oktober 2010 bersambung di halaman 119 karena terdapat perubahan sektor ekonomi dalam laporan bulanan BPR

118

Note : Data available on December 2008 October 2010 data continued on page 119 because there are changes economic sector in the rural bank's monthly report

1)



Tabel 3.11 Suku Bunga Rata-rata Kredit BPR Berdasarkan Sektor Ekonomi (Average of Credit Interest Rates of Rural Banks Based on Economic Sector) Persen (Percent) 2010 Sektor Ekonomi

Okt

Nov

Des

2011 Jan

Feb

Mar

Economic Sector

Apr

1

Pertanian, Perburuhan, dan Kehutanan

38,42

36,76

38,29

37,94 38,05

37,61

37,89

1. Agriculture, hunting, and forestry

2

Perikanan

38,25

32,65

33,39

33,10 33,01

31,83

31,88

2. Fishery

3

Pertambangan dan Penggalian

29,21

27,89

28,29

29,02 27,01

29,95

27,71

3. Mining and quarrying

4

Industri Pengolahan

32,60

31,18

30,67

30,01 29,89

29,21

30,16

4. Processing industry

5

Listrik, Gas dan Air

36,65

32,00

34,43

31,71 33,19

30,13

33,95

5. Electricity, gas and water

6

Konstruksi

32,28

32,09

31,41

30,19 30,80

30,60

30,83

6. Construction

7

Perdagangan Besar dan Eceran

32,85

33,03

33,14

32,78 32,84

32,72

32,63

7. Wholesale and retail trade

8

Penyediaan Akomodasi dan Penyedian Makan Minum

26,75

27,76

27,99

27,02 26,58

26,58

27,13

8. Provision of accommodation and the provision of eating and drinking

9

Transportasi, Pergudangan dan Komunikasi

32,61

30,15

30,12

29,46 29,17

29,51

29,13

9. Transportation, warehousing and communications

10 Perantara Keuangan

26,42

24,36

25,28

24,61 24,58

24,48

23,39

10. Financial intermediaries

11 Real Estate

27,99

27,31

27,26

25,47 25,86

25,80

25,98

11. Real estate

12 Administrasi Pemerintahan, Pertanahan Dan Jaminan Sosial Wajib

29,68

34,99

35,78

34,70 34,68

36,12

38,80

12. Government administration, land and compulsory social security

13 Jasa Pendidikan

33,11

31,29

31,61

30,24 31,74

28,97

30,24

13. Education services

14 Jasa Kesehatan dan Kegiatan Sosial

31,00

30,40

30,51

29,86 29,97

29,72

29,87

14. Health services and social activities

15 Jasa Kemasyarakatan, Sosial Budaya, Hiburan dan Perorangan Lainnya

30,64

29,41

29,05

28,65 27,90

28,31

28,29

15. Social services, social, cultural, entertainment and other individual

16 Jasa Perorangan yang Melayani Rumah Tangga

32,82

33,62

31,07

30,50 30,65

30,60

30,60

16. Individual services which serve households

17 Kegiatan Usaha yang Belum Jelas Batasannya

29,26

29,49

29,35

30,33 30,54

29,11

30,16

17. Business activities are not clearly defined

18 Bukan Lapangan Usaha - Rumah Tangga

28,74

28,44

28,12

28,30 27,95

24,97

28,18

18. Not the business field - households

19 Bukan Lapangan Usaha - Lainnya

28,94

28,09

27,71

27,31 27,57

27,57

27,08

19. Not the business field - other

1)

Merupakan sambungan halaman 118

1)

Continue from page 118

119



Tabel 3.12 Suku Bunga Rata-rata Kredit BPR Berdasarkan Jenis Penggunaan (Average of Credit Interest Rates of Rural Banks Based on Type of Use) Persen (Percent) Jenis Penggunaan

2010 2005 2006 2007 2008

2009

Apr

Mei

Jun

Jul

Ags

2011 Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Type of Use

Modal Kerja

-

-

-

34,43

34,83

34,28

34,15

34,03

33,95

33,86

33,66

33,31

33,35

33,21

32,90

32,85

32,65

32,78


Investasi

-

-

-

27,67

30,37

29,84

29,66

29,46

29,22

29,32

29,26

29,95

27,81

29,01

28,78

28,85

28,78

28,88

Total Investment

Konsumsi

-

-

-

29,57

29,14

28,54

28,46

28,36

28,24

28,12

27,98

28,82

28,18

27,81

27,55

27,67

26,97

27,33

Total Consumption

Ket. Data tersedia mulai Desember 2008

120

Note : Data available on December 2008



Tabel 3.13 Perkembangan Jumlah Bank Perkreditan Rakyat (Growth of Total Rural Bank) 2010 Keterangan

2005 2006 2007 2008

2009

Apr

Mei

Jun

2011

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Information

Jumlah BPR

2.009

1.880

1.817

1.772

1.733

1.712

1.713

1.715

1.716

1.717

1.715

1.707

1.706

1.706

1.700

1.671

1.679

1.680

Total Rural Banks

Jumlah Kantor

3.110

3.173

3.250

3.367

3.644

3.750

3.789

3.820

3.848

3.857

3.816

3.833

3.880

3.910

3.922

3.928

3.970

3.996

Total Bank Offices

121



Tabel 3.14 Perkembangan Jumlah BPR dan Kantor BPR Berdasarkan Lokasi - April 2011 (Growth of Total Rural Bank and Rural Bank Offices Based on Location - April 2011) BPR (Rural Bank) Lokasi Jawa Barat Banten DKI Jakarta D.I. Yogyakarta Jawa Tengah Jawa Timur Bengkulu Jambi Nanggroe Aceh Darussalam Sumatera Utara Sumatera Barat Riau Kep. Riau Sumatera Selatan Bangka-Belitung Lampung Kalimantan Selatan Kalimantan Barat Kalimantan Timur Kalimantan Tengah Sulawesi Tengah Sulawesi Selatan Sulawesi Utara Sulawesi Tenggara Sulawesi Barat Gorontalo Nusa Tenggara Barat Bali Nusa Tenggara Timur Maluku Papua Maluku Utara Irian Jaya Barat Lainnya Jumlah

KP

Total

KPK

344 72 25 54 263 333 3 12 5 53 102 29 37 17 1 24 22 18 13 2 9 22 16 13 1 4 29 137 9 2 6 2 1 -

209 25 9 18 454 160 3 5 13 24 31 6 15 9 1 27 3 4 6 8 4 17 4 2 45 25 1 4 6 -

146 34 25 113 265 435 4 3 11 22 9 2 7 6 1 4 5 5 3 9 2 4 59 1 2 1 -

699 131 59 185 982 928 10 20 18 88 155 44 54 33 2 57 26 26 24 2 22 29 42 19 1 6 78 221 11 8 13 2 1 -

1.680

1.138

1.178

3.996


122

KC

Location Jawa Barat Banten DKI Jakarta D.I. Yogyakarta Jawa Tengah Jawa Timur Bengkulu Jambi Nanggroe Aceh Darussalam Sumatera Utara Sumatera Barat Riau Kep. Riau Sumatera Selatan Bangka-Belitung Lampung Kalimantan Selatan Kalimantan Barat Kalimantan Timur Kalimantan Tengah Sulawesi Tengah Sulawesi Selatan Sulawesi Utara Sulawesi Tenggara Sulawesi Barat Gorontalo Nusa Tenggara Barat Bali Nusa Tenggara Timur Maluku Papua Maluku Utara Irian Jaya Barat Others Jumlah

Note) : Change location accordance region expansion since Juni 2010



DATA PERKREDITAN

123



Tabel 4.1 Kredit Bank Umum Berdasarkan Sektor Ekonomi (Credit of Commercial Banks Based on Economic Sector) Miliar Rp (Billion Rp) Sektor Ekonomi 1. Pertanian, perburuan dan sarana pertanian 2. Pertambangan 3. Perindustrian 4. Listrik, gas dan air 5. Konstruksi 6. Perdagangan, restoran dan hotel 7. Pengangkutan, pergudangan dan komunikasi 8. Jasa Dunia usaha 9. Jasa sosial/masyarakat 10. Lain-lain Jumlah

124

2010 2005 2006 2007 2008 67.202

2009 77.412

Apr 73.425

Mei 76.540

2011

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

81.890

85.573

87.783

87.522

87.743

89.002

90.999

90.204

90.807

91.660

93.586

53.991 53.124 57.112 61.365 261.339 259.112 264.012 275.404 29.146 30.281 31.339 34.116 64.259 65.370 66.669 63.500 318.569 318.181 325.737 339.639

60.052 272.820 34.401 61.425 323.647

62.299 65.526 276.832 278.298 34.885 34.123 62.717 65.045 326.994 331.782

69.335 283.210 34.247 63.275 332.671

37.178

45.180

56.901

8.127 171.288 5.367 26.986 135.837

14.086 184.023 7.224 33.088 163.443

26.212 205.610 7.920 44.088 216.874

19.829

27.068

36.807

72.628 10.029 208.378

78.455 12.040 227.690

109.748 13.882 283.970

695.648

792.297 1.002.012 1.307.688 1.437.930 1.486.329 1.531.556 1.586.492 1.597.981 1.640.429 1.659.145 1.675.633 1.706.403 1.765.845 1.746.005 1.773.889 1.814.846 1.843.538

32.215 42.894 44.053 47.406 52.455 51.058 53.236 271.187 247.440 246.979 253.652 264.973 259.077 264.026 18.475 24.560 25.076 25.619 25.501 24.388 24.717 58.753 64.225 56.485 60.935 61.703 61.563 63.288 259.632 301.382 266.550 271.845 287.727 310.641 316.466 62.579

73.213

75.705

76.696

76.727

72.980

74.788

152.302 150.843 141.885 147.895 149.735 142.985 149.543 15.747 17.038 28.811 28.297 49.101 48.858 53.844 369.596 438.923 527.360 542.671 536.679 540.857 552.736

74.493

74.409

74.775

75.142

73.756

160.830 162.984 170.330 179.398 46.897 48.353 46.086 44.232 562.099 576.077 581.340 602.049

179.878 44.612 605.210

73.677

78.533

78.815

182.433 186.094 45.262 46.974 617.984 636.810

193.014 49.320 646.065

Economic Sector 1. Agriculture, hunting and agricultural facilities 2. Mining 3. Manufacturing 4. Electricity, gas and water 5. Construction 6. Trade, restaurants and hotels 7. Transportation, warehousing and communications 8. Business Services 9. Social Services 10. Others Total



Tabel 4.2 Kredit Bank Persero Berdasarkan Sektor Ekonomi (Credit of State Owned Banks Based on Economic Sector) Miliar Rp (Billion Rp) Sektor Ekonomi 1. Pertanian, perburuan dan sarana pertanian 2. Pertambangan 3. Perindustrian 4. Listrik, gas dan air 5. Konstruksi 6. Perdagangan, restoran dan hotel 7. Pengangkutan, pergudangan dan komunikasi 8. Jasa Dunia usaha 9. Jasa sosial/masyarakat 10. Lain-lain Jumlah

2010 2005 2006 2007 2008

2009

Apr

Mei

Jun

Jul

46.488

49.777

Ags

22.407

25.993

31.275

38.451

47.095

43.127

43.995

3.364 67.369 3.880 12.572 51.530

4.961 72.736 5.221 13.966 62.439

11.288 15.473 74.594 98.878 4.762 12.702 17.325 23.178 86.775 103.680

18.124 94.201 15.175 25.792 131.454

18.721 91.949 14.437 20.469 86.381

19.003 22.525 21.877 21.569 92.747 101.813 94.579 94.836 14.631 12.857 11.465 11.557 22.039 22.276 20.829 21.220 84.933 91.893 120.978 118.351

5.890

8.113

28.517

28.566

28.384

12.572 3.219 73.611

12.604 4.429 77.450

16.340 25.356 4.371 3.345 95.564 126.723

23.227 31.436 3.772 4.982 157.513 217.916

31.487 24.422 12.332 18.020 4.410 11.059 10.492 9.971 228.535 226.475 222.591 230.657

256.413 287.910

356.151 470.665

544.870 557.986

570.164 588.755 589.895 601.865

13.857

22.880

28.947

24.975

51.022

24.662

2011 Sep

Okt

49.914

49.390

Nov

Des

Jan

Feb

Mar

49.474

48.950

49.454

48.433 49.447

23.968 26.462 92.876 94.975 15.347 17.816 22.114 20.541 113.581 114.607

26.114 93.140 17.870 20.332 107.659

27.076

25.563

18.139 19.406 9.851 9.769 234.590 243.133

22.397 24.761 9.464 9.341 245.525 257.664

24.777 9.542 255.676

24.745 24.158 24.992 9.351 9.759 11.519 261.790 273.742 277.546

1. Agriculture, hunting and agricultural facilities 2. Mining 3. Manufacturing 4. Electricity, gas and water 5. Construction 6. Trade, restaurants and hotels 7. Transportation, warehousing and communications 8. Business Services 9. Social Services 10. Others

605.795 610.383

621.691 642.718

629.622

637.831 656.897 665.361

Total

21.568 21.076 94.531 91.884 13.979 14.600 21.242 21.793 116.940 113.798 25.040

25.534

49.655

Apr

Economic Sector

26.763

25.884 26.493 94.392 94.792 18.277 17.603 20.741 22.155 107.741 111.022 25.456

28.773 95.968 17.381 22.724 108.504

28.740 28.508

125



Tabel 4.3 Kredit BUSN Devisa Berdasarkan Sektor Ekonomi (Credit of Foreign Exchange Commercial Banks Based on Economic Sector) Miliar Rp (Billion Rp) Sektor Ekonomi 1.Pertanian, perburuan dan sarana pertanian 2.Pertambangan 3.Perindustrian 4.Listrik, gas dan air 5.Konstruksi 6.Perdagangan, restoran dan hotel 7.Pengangkutan, pergudangan dan komunikasi 8.Jasa Dunia usaha 9.Jasa sosial/masyarakat 10. Lain-lain Jumlah

126

2010 2005 2006 2007 2008 15.212

19.032

2009

Mei

Jun

20.065

22.268

23.669

8.713

11.156

3.232 53.980 1.291 10.175 67.870

6.421 60.322 1.787 12.322 81.018

11.027

13.028

37.061 4.687 79.555

42.303 5.182 81.717

59.648 79.004 6.487 7.564 101.159 131.768

80.482 65.453 7.912 16.445 149.051 169.588

277.591

315.256

407.742 524.295

555.617

10.612 11.069 72.330 95.520 2.770 5.140 18.167 23.303 103.927 125.572 17.429

26.323

20.229

Apr

14.403 14.671 87.315 87.833 7.449 8.259 25.640 23.261 131.868 136.942 31.269

33.143

575.659

Jul

2011

Ags

Sep

Okt

24.446

25.359 26.744

Nov

Des

Jan

Feb

Mar

Apr

27.313

29.033

28.718

28.482

30.096 30.732

20.649 20.484 108.878 106.773 10.574 10.719 28.423 27.914 174.537 166.094

22.249 111.036 10.897 28.821 170.657

Economic Sector

33.472

34.465

36.148 36.677

68.756 75.412 78.403 79.698 88.140 89.071 92.639 15.296 28.215 28.727 30.872 26.308 26.635 26.244 172.695 164.006 171.135 174.808 176.472 180.149 182.978

97.000 95.815 26.235 26.319 189.679 192.515

97.741 27.196 196.458

98.520 105.047 27.035 28.011 200.916 203.222

1.Agriculture, hunting and agricultural facilities 2.Mining 3.Manufacturing 4.Electricity, gas and water 5.Construction 6.Trade, restaurants and hotels 7.Transportation, warehousing and communications 8.Business Services 9.Social Services 10. Others

596.004 618.780 632.629 653.864 660.785 668.876

718.639 708.824

728.002

741.401 756.128

Total

23.915

16.916 17.677 17.551 19.302 19.277 89.468 91.829 95.530 98.395 98.245 8.751 8.871 9.281 9.442 9.923 24.833 25.310 27.548 28.160 28.410 142.960 150.494 146.337 153.090 154.151 34.060

33.298

34.202

35.651

19.223 19.665 98.273 102.327 10.307 10.491 28.002 28.537 156.592 162.463

34.500 33.879

33.458

686.115

33.630

24.005 112.837 11.371 29.749 170.724

25.146 114.747 11.692 27.343 173.511



Tabel 4.4 Kredit BUSN Non Devisa Berdasarkan Sektor Ekonomi (Credit of Non-Foreign Exchange Commercial Banks Based on Economic Sector) Miliar Rp (Billion Rp) Sektor Ekonomi 1. Pertanian, perburuan dan sarana pertanian 2. Pertambangan 3. Perindustrian 4. Listrik, gas dan air 5. Konstruksi 6. Perdagangan, restoran dan hotel 7. Pengangkutan, pergudangan dan komunikasi 8. Jasa Dunia usaha 9. Jasa sosial/masyarakat 10. Lain-lain Jumlah

2010 2005 2006 2007 2008

2009

Apr

Mei

Jun

Jul

Ags

2011 Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Economic Sector

829

274

323

153

374

472

526

564

486

444

457

445

396

418

405

413

404

393

35 1.217 4 247 3.229

39 1.215 4 307 4.647

75 1.529 6 422 4.826

161 1.618 11 442 5.083

340 2.208 54 713 6.547

282 2.234 67 1.092 7.122

289 2.286 68 1.109 7.415

404 2.718 70 1.377 7.447

306 2.637 66 926 7.302

312 2.770 68 976 7.447

310 2.762 69 981 7.378

319 2.399 70 1.152 7.456

328 2.406 69 1.082 7.547

353 2.476 84 1.112 7.710

359 2.442 84 1.131 8.057

360 2.664 84 1.162 8.143

342 2.680 86 1.118 8.422

347 2.694 113 1.061 8.790

633

617

690

817

1.506

1.239

1.361

1.454

1.426

1.452

1.312

1.307

1.318

1.387

1.426

1.320

1.283

1.267

2.092 531 8.025

1.921 659 9.430

2.335 929 12.728

2.540 1.382 14.915

3.938 1.917 18.103

5.488 794 19.764

5.820 833 20.790

6.674 1.259 23.422

6.519 6.842 1.245 1.336 22.445 23.168

7.233 7.197 1.393 1.390 24.041 24.582

7.360 1.401 25.407

7.755 1.444 26.019

7.571 1.446 26.699

7.747 1.453 27.103

8.448 1.561 27.531

8.694 1.591 28.100


16.842

19.114

23.863

27.122

35.700

38.554

40.497

45.390

43.358 44.815

45.936

47.313

48.757

49.619

50.450

51.873

53.050

Total

46.318

127



Tabel 4.5 Kredit BPD Berdasarkan Sektor Ekonomi (Credit of Regional Development Banks Based on Economic Sector) Miliar Rp (Billion Rp) Sektor Ekonomi 1. Pertanian, perburuan dan sarana pertanian 2. Pertambangan 3. Perindustrian 4. Listrik, gas dan air 5. Konstruksi 6. Perdagangan, restoran dan hotel 7. Pengangkutan, pergudangan dan komunikasi 8. Jasa Dunia usaha 9. Jasa sosial/masyarakat 10. Lain-lain Jumlah

128

2010 2005 2006 2007 2008

2009

Apr

Mei

Jun

Jul

Ags

2011 Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Economic Sector

3.498

3.515

3.718

4.015

3.993

4.367

4.210

4.439

4.498

4.495

4.882

4.916

5.155

675 619 1.146 2.165 787 909 7.704 7.540 15.280 15.217

679 2.270 895 9.082 14.610

712 2.476 1.182 8.587 15.836

760 2.625 1.222 8.859 16.067

740 2.585 1.247 9.484 16.340

757 2.836 1.243 10.010 16.366

764 2.812 1.285 10.398 16.048

801 2.925 1.378 10.837 17.147

992 2.969 1.409 9.179 17.426

916 2.903 1.442 7.762 17.271

903 2.824 1.448 7.963 17.468

947 2.946 1.548 8.304 18.041

967 3.015 1.588 8.538 18.565

1.809

1.685

1.717

1.705

1.718

1.664

1.649

1.803

1.806

1.853

1.855

1.898

2.018

3.401 1.528 66.803

5.264 2.709 1.951 4.558 82.340 88.304

2.759 5.149 88.828

2.772 5.266 90.475

2.995 5.247 92.193

2.357 8.312 91.249

2.868 5.451 93.888

2.871 6.452 95.550

3.035 5.168 96.424

3.114 5.164 97.150

3.045 5.097 98.611

3.067 3.470 3.437 5.083 4.970 5.006 100.454 102.387 104.592


96.385

120.754 127.329

143.956 143.707

143.395

145.945 149.427 152.882

Total

1.640

2.030

2.275

3.182

56 421 11 2.503 7.539

58 462 11 3.790 8.242

43 631 29 5.140 9.619

270 815 213 6.458 12.060

375

400

463

1.655

1.774 925 29.686

1.802 862 38.299

2.198 967 50.515

44.931

55.955

71.881

3.721

1.887

129.472 132.740 135.688 138.023 139.450 142.040



Tabel 4.6 Kredit Bank Campuran Berdasarkan Sektor Ekonomi (Credit of Joint Venture Banks Based on Economic Sector) Miliar Rp (Billion Rp) Sektor Ekonomi 1. Pertanian, perburuan dan sarana pertanian 2. Pertambangan 3. Perindustrian 4. Listrik, gas dan air 5. Konstruksi 6. Perdagangan, restoran dan hotel 7. Pengangkutan, pergudangan dan komunikasi 8. Jasa Dunia usaha 9. Jasa sosial/masyarakat 10. Lain-lain Jumlah

2010 2005 2006 2007 2008

2009

Apr

Mei

Jun

Jul

Ags

1.908

2.331

4.597

4.018

4.143

4.023

4.279

4.689

4.465

5.022

477 18.989 56 954 3.631

755 17.451 186 1.520 4.467

1.753 23.774 313 1.167 6.691

2.196 30.568 256 1.487 7.108

3.899 29.258 286 1.900 9.808

3.498 29.643 280 2.125 11.134

3.551 31.041 277 2.122 11.630

4.564 31.369 274 2.069 12.747

3.982 28.759 190 1.380 12.133

3.879 29.579 185 1.695 12.818

1.043

2.588

2.330

5.147

6.815

7.666

7.894

8.177

7.558

8.012

6.989 376 2.513

7.823 396 3.315

13.516 461 3.917

18.200 602 6.267

16.329 973 7.565

16.420 1.453 8.150

17.658 1.423 8.290

18.489 1.831 10.570

17.722 1.886 10.618

18.314 2.108 10.865

36.937

40.833

58.520

75.849

80.977

84.391

2011 Sep 4.777

Okt

Nov

Des

Jan

Mar

Apr

5.830

5.878

20.603 959 11.597

20.573 22.116 942 1.249 11.772 11.921

21.613 1.234 12.334


98.845

94.606 96.821

97.360

Total

4.621

4.737

5.108

5.115

3.946 4.132 29.552 30.636 534 554 1.767 1.871 13.818 14.049

4.246 30.157 561 1.880 15.152

4.299 32.155 584 2.051 15.370

4.328 31.922 633 2.006 14.955

8.138

7.416

7.049

6.727

19.047 18.841 2.649 2.740 10.922 10.986

18.451 2.585 11.194

20.165 872 11.367

88.165 94.779 88.693 92.476 95.106 96.567

96.378

99.019

8.093

Feb

Economic Sector

5.107

5.020

5.037

4.245 4.498 30.090 29.860 618 590 1.808 1.741 13.520 13.996

4.540 30.510 575 1.714 13.925

5.930

129



Tabel 4.7 Kredit Bank Asing Berdasarkan Sektor Ekonomi (Credit of Foreign Owned Banks Based on Economic Sector) Miliar Rp (Billion Rp) Sektor Ekonomi 1. Pertanian, perburuan dan sarana pertanian 2. Pertambangan 3. Perindustrian 4. Listrik, gas dan air 5. Konstruksi 6. Perdagangan, restoran dan hotel 7. Pengangkutan, pergudangan dan komunikasi 8. Jasa Dunia usaha 9. Jasa sosial/masyarakat 10. Lain-lain Jumlah

130

2010 2005 2006 2007 2008

2009

Jun

Jul

1.958

2.761

2.916

2.857

2.647

2.334

2.462

2.468

2.520

2.468

2.791

2.822

6.263 6.967 33.155 35.841 1.124 996 1.997 1.750 9.755 10.297

6.573 34.769 2.248 2.084 9.310

6.583 34.948 2.164 2.020 7.825

7.434 35.861 2.219 1.754 8.421

8.134 33.413 3.398 1.849 9.915

7.610 33.107 3.464 2.154 10.237

8.104 33.321 3.493 2.220 9.849

8.609 33.950 3.649 2.195 9.990

7.851 35.640 3.652 2.280 9.611

8.657 35.826 3.561 2.222 9.465

9.241 35.184 2.925 1.977 9.578

9.562 36.277 2.898 1.895 9.376

3.311

3.133

3.114

3.294

3.884

3.901

4.017

4.194

4.716

4.651

4.634

4.468

20.379 21.415 580 1.186 23.638 23.533

21.967 1.471 21.732

25.013 1.261 21.875

24.313 1.244 21.989

25.402 1.246 22.185

25.598 1.368 21.678

28.561 1.237 20.407

29.384 2.399 20.313

29.232 1.959 20.270

Apr

Mei

Ags

2011 Sep

Okt

Nov

Des

Jan

1.681

3.397

3.220

2.366

1.850

963 29.311 125 536 2.038

1.852 31.837 15 1.183 2.631

2.440 32.753 40 1.866 5.035

3.047 43.788 153 3.885 6.130

5.453 33.312 809 2.478 6.426

862

2.322

2.039

5.756

3.218

12.139 291 14.989

12.002 512 17.479

15.711 666 20.086

23.801 1.326 23.120

21.603 512 24.351

26.449 1.223 19.813

26.602 1.177 20.169

28.067 1.249 20.113

62.935

73.230

83.856 113.372 100.011 102.410 107.254 106.049 107.718 109.387 112.073 111.449 110.950

113.004

115.700

2.239

3.281

Feb

Mar

Apr

117.054 118.427 118.757

Economic Sector 1. Agriculture, hunting and agricultural facilities 2. Mining 3. Manufacturing 4. Electricity, gas and water 5. Construction 6. Trade, restaurants and hotels 7. Transportation, warehousing and communications 8. Business Services 9. Social Services 10. Others Total



Tabel 4.8 Kredit Bank Umum Berdasarkan Sektor Ekonomi per Lokasi Bank Penyalur - April 2011 (Credit of Commercial Banks Based on Economic Sector by Region - April 2011) Miliar Rp (Billion Rp)

Lokasi

Pertanian, perburuan dan sarana Perindustrian pertanian Pertambangan (Manufactur(Agriculture, (Mining) ing) hunting and agricultural facilities)

Konstruksi (Construction)

Pengangkutan, Perdagangan, pergudangan restoran dan komunikasi dan hotel (Transportation, (Trade, warehousing restaurants and and hotels) communications)

Jasa Dunia usaha (Business Services)

Jasa sosial/ masyarakat (Social Services)

Lain-lain (Others)

Location

Jawa Barat Banten DKI Jakarta D.I Yogyakarta Jawa Tengah Jawa Timur Bengkulu Jambi Nanggroe Aceh Darussalam Sumatera Utara Sumatera Barat Riau Kepulauan Riau Sumatera Selatan Bangka Belitung Lampung Kalimantan Selatan Kalimantan Barat Kalimantan Timur Kalimantan Tengah Sulawesi Tengah Sulawesi Selatan Sulawesi Utara Sulawesi Tenggara Sulawesi Barat Gorontalo Nusa Tenggara Barat Bali Nusa Tenggara Timur Maluku Papua Maluku Utara Irian Jaya Barat Lainnya

2.223 117 46.722 196 1.808 3.597 194 1.250 143 11.165 2.435 5.056 3.495 121 63 2.325 1.907 2.067 1.672 3.992 198 630 250 98 57 160 63 497 19 53 129 20 15 847

475 92 61.790 9 495 874 86 97 90 287 204 244 57 128 148 76 468 75 1.756 20 35 148 39 0 1 20 5 91 4 3 37 0 3 1.478

22.254 3.797 152.600 758 17.732 44.306 256 736 1.059 19.773 1.268 1.592 1.900 2.941 284 2.301 1.084 785 1.182 211 226 2.642 309 20 25 65 66 873 19 23 314 21 67 1.720

175 21 31.157 43 179 485 12 26 11 830 6 65 45 165 23 11 120 91 146 5 6 90 16 0 0 0 2 12 16 8 13 0 0 467

3.947 1.426 33.673 199 1.784 4.299 192 304 854 2.452 255 939 1.774 958 316 382 712 405 2.643 221 188 2.012 369 18 94 260 226 559 215 247 785 135 405 25

27.699 4.951 116.867 2.976 29.179 39.438 1.406 2.908 3.315 20.294 4.973 6.396 6.315 2.517 725 5.662 3.468 3.413 6.537 1.191 2.784 12.402 3.958 602 1.129 1.729 2.202 8.793 1.525 860 2.131 520 966 2.839

6.453 186 55.057 103 1.204 4.431 44 133 34 1.787 355 780 389 784 20 574 697 757 1.897 56 93 1.263 91 2 57 43 46 178 26 45 45 12 69 1.101

7.165 4.508 147.868 983 4.517 6.741 164 526 386 2.651 844 1.994 1.136 985 42 674 1.438 659 3.552 101 198 1.997 530 29 46 193 170 1.475 67 57 189 59 104 966

3.847 1.249 25.517 436 1.782 3.726 80 191 296 1.132 340 692 390 313 59 836 282 224 2.090 81 150 1.632 136 301 129 74 125 897 304 72 504 127 35 1.270

72.352 26.551 220.105 7.134 46.481 54.544 3.854 6.544 11.271 30.166 10.920 13.024 14.008 6.491 1.991 7.335 7.924 7.560 13.205 4.335 5.876 21.693 8.033 1.354 2.411 4.107 7.440 11.835 6.190 2.951 5.048 1.627 1.629 76


Total

93.586

69.335

283.210

34.247

63.275

332.671

78.815

193.014

49.320

646.065

Total

131



Tabel 4.9 Kredit Bank Umum Berdasarkan Jenis Penggunaan (Credit of Commercial Banks Based on Type of Use) Miliar Rp (Billion Rp) Jenis Penggunaan

2010 2005 2006 2007 2008

2011

2009 Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Type of Use

Total Modal Kerja

354.557 414.749

533.240

684.672 703.002 694.706

726.200 759.819 758.082 813.406 818.168 819.581 853.121 880.208 855.120 857.854

870.605

882.824


Total Investasi

134.400 151.209

186.218

255.900 297.939 307.248

305.649 336.888 339.204 325.780 327.658 332.986 330.066 348.518 342.131 357.049

375.849

383.425

Total Investment

Total Konsumsi

206.691 226.339

282.553

367.117 436.989 484.375

499.705 489.785 500.694 501.243 513.319 523.066 523.216 537.118 548.754 558.986

568.392

577.289

Total Consumption

132



Tabel 4.10 Kredit Bank Persero Berdasarkan Jenis Penggunaan (Credit of State Owned Banks Based on Type of Use) Miliar Rp (Billion Rp) Jenis Penggunaan Total Modal Kerja

2010 2005 2006 2007 2008

2011

2009 Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Type of Use

122.724 148.675 188.052 249.782 269.867 256.325 259.033 273.607 272.746 312.044 309.786 309.259 322.530 333.006

313.665 318.136

332.867 336.217


Total Investasi

61.413 62.928

73.733

96.237 118.994 124.443 122.907 131.693 129.973 105.928 106.601 108.129 108.555 113.896

113.644 114.149

115.569 117.773

Total Investment

Total Konsumsi

72.276 76.307

94.366 124.646 156.009 177.219 188.224 183.455 187.175 183.893 189.408 192.995 190.606 195.816

202.314 205.547

208.463 211.370

Total Consumption

133



Tabel 4.11 Kredit BUSN Devisa Berdasarkan Jenis Penggunaan (Credit of Foreign Exchange Commercial Banks Based on Type of Use) Miliar Rp (Billion Rp) Jenis Penggunaan Total Modal Kerja

2010 2005 2006 2007 2008

2009

Apr

Mei

Jun

Jul

Ags

2011 Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Type of Use

140.508 165.997 218.715 277.345 282.916 282.893 297.131 314.860 317.123 320.847 328.090 329.544 340.177 360.823

348.203 353.793 346.737

355.286


Total Investasi

57.821 67.699

88.028 115.543 123.993 124.433 127.550 142.523 148.156 160.773 158.702 161.345 165.054 170.096

170.050 179.418 195.600

199.556

Total Investment

Total Konsumsi

79.262 81.561 101.000 131.406 148.709 168.332 171.323 161.397 167.349 172.244 173.993 177.986 180.884 187.720

190.571 194.791 199.064

201.287

Total Consumption

134



Tabel 4.12 Kredit BUSN Non Devisa Berdasarkan Jenis Penggunaan (Credit of Non-Foreign Exchange Commercial Banks Based on Type of Use) Miliar Rp (Billion Rp) Jenis Penggunaan

2010 2005 2006 2007 2008

2011

2009 Apr

Mei

Jun

Jul

Ags

Total Modal Kerja

6.693

7.861

8.952

9.609 12.113 12.708 13.266 14.883 14.143 14.658

Total Investasi

2.142

1.836

2.208

2.609

Total Konsumsi

8.007

9.417

12.704

5.549

6.134

6.490

7.122

6.805

7.021

14.904 18.037 19.712 20.741 23.384 22.410 23.136

Sep

Okt

Nov

Des

14.890 14.557 14.881 15.277 7.031

7.206

7.051

Jan

Feb

15.212

15.443 16.187

7.490

7.729

24.014 24.555 25.382 25.991

26.678

7.927

Mar

Apr 16.656

8.183

8.324

27.080 27.503

28.070

Type of Use Total Working Capital Total Investment Total Consumption

135



Tabel 4.13 Kredit BPD Berdasarkan Jenis Penggunaan (Credit of Regional Development Banks Based on Type of Use) Miliar Rp (Billion Rp) Jenis Penggunaan Total Modal Kerja Total Investasi Total Konsumsi

136

2010 2005 2006 2007 2008

2011

2009 Apr

Mei

Jun

Jul

Ags

Sep

Nov

Des

Jan

Feb

Mar

Apr

30.92 31.172 29.719

27.714

27.866

29.297

30.049


17.946

18.071

18.530

Total Investment

15.709

20.717 25.268 25.418 26.762

4.574

5.690

8.896 13.169 14.219 14.553

14.678 14.748 14.596 15.509 15.923 16.719 17.205

17.501

29.645 38.261

50.481

66.773 82.317 87.692 88.157

90.087 91.788 90.053 93.512 95.205 96.064 96.782

98.180 100.133

11.249 13.120 4.036

27.975 29.151 33.374 30.430

Okt

Type of Use

102.059 104.302

Total Consumption



Tabel 4.14 Kredit Bank Campuran Berdasarkan Jenis Penggunaan (Credit of Joint Venture Banks Based on Type of Use) Miliar Rp (Billion Rp) Jenis Penggunaan Total Modal Kerja

2010 2005 2006 2007 2008

Apr 28.592 29.882

2011

2009 Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Type of Use

44.477

50.449 51.867 54.575 57.462 59.854 56.227 60.164

61.525

62.441 63.071

65.169

64.757

62.665

64.398

64.647


19.133 21.544 21.919 22.626 24.731 22.037 21.680

22.710 23.203 22.195

22.530

22.538

20.214

20.545

20.422

Total Investment

10.870 10.923 11.113

11.321

11.550

11.727

11.878

12.291

Total Consumption

Total Investasi

5.832

7.636

10.126

Total Konsumsi

2.513

3.315

3.917

6.267

7.565

7.897

8.077 10.194 10.428 10.632

137



Tabel 4.15 Kredit Bank Asing Berdasarkan Jenis Penggunaan (Credit of Foreign Owned Banks Based on Type of Use) Miliar Rp (Billion Rp) Jenis Penggunaan Total Modal Kerja Total Investasi Total Konsumsi

138

2010 2005 2006 2007 2008

2011

2009 Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Type of Use

57.336

76.771 60.971 62.787

72.546 68.640 68.691 72.318

73.447 72.868 81.290 76.215

85.569 79.950

81.119

79.969


6.536

6.434

13.481 14.690 16.098

11.523 16.141 17.484 15.783

17.105 17.180 10.493 17.301

10.670 17.396

17.881

18.819

Total Investment

14.989 17.479

20.086

23.120 22.871 23.524

23.185 21.268 21.544 21.286

21.521 21.402 19.168 19.488

19.471 19.709

19.427

19.969

Total Consumption

44.791 49.214 3.156



Tabel 4.16 Kredit Bank Umum Berdasarkan Jenis Penggunaan per Lokasi Bank - April 2011 (Credit of commercial Banks Based on Type of Use by Location of Banks - April 2011) Miliar Rp (Billion Rp)

Lokasi

Modal Kerja (Working Capital)

Investasi

Konsumsi

(Investment)

(Consumption)

Location


65.472 14.233 447.818 4.931 57.588 95.464 2.342 5.325 6.177 46.059 8.287 10.973 11.956 6.234 1.532 10.158 6.437 5.338 13.191 2.127 4.105 16.536 4.522 932 1.454 2.216 2.802 10.221 2.183 1.371 3.937 860 1.614 8.430

16.339 3.358 239.786 1.810 10.328 21.873 531 1.964 997 18.423 3.356 8.464 5.520 3.062 443 4.095 4.619 3.712 9.562 4.261 728 7.483 1.858 231 367 587 622 4.475 398 408 893 189 334 2.350

64.782 25.307 203.752 6.096 37.245 45.105 3.416 5.426 10.284 26.056 9.957 11.345 12.034 6.105 1.696 5.924 7.044 6.987 11.928 3.825 4.920 20.491 7.353 1.262 2.129 3.850 6.920 10.513 5.805 2.540 4.364 1.474 1.346 10


Total

882.824

383.425

577.289

Total

139



Tabel 4.17 Kredit Bank Umum Berdasarkan Lokasi Bank Penyalur (Credit of Commercial Bank Based on Location of Banks) Miliar Rp (Billion Rp) 2010

2011

2005 2006 2007 2008

2009


54.179 13.645 355.076 5.723 42.105 67.082 1.648 3.592 3.396 34.047 7.614 17.655 9.072 968 6.242 5.765 4.836 11.093 2.130 3.036 15.019 4.054 1.581 952 3.091 9.549 2.580 833 2.502 440 6.143

63.398 17.957 396.230 6.487 47.801 74.028 2.086 4.347 4.610 40.784 8.838 20.454 10.617 1.635 7.919 6.899 5.448 12.458 2.576 3.588 17.734 5.133 1.993 1.126 3.677 10.606 3.196 1.064 3.420 648 5.541

113.367 31.399 709.804 10.162 82.752 128.479 4.747 9.117 12.496 72.315 15.787 24.186 21.987 11.890 2.658 16.089 13.745 11.461 24.976 5.689 7.255 32.760 10.630 1.711 2.670 4.725 7.272 19.498 6.663 2.980 6.352 1.665 2.398 8.242

Total

695.648

792.297 1.002.012 1.307.688 1.437.930 1.486.329 1.531.556 1.586.492 1.597.981 1.640.429 1.660.801 1.675.633 1.706.403 1.765.845 1.746.005 1.773.889 1.814.846 1.843.538

Lokasi

140

77.007 97.419 20.754 28.254 507.496 674.870 7.843 9.138 56.736 72.972 92.270 115.892 2.956 4.232 5.641 7.593 6.606 9.334 53.439 65.643 11.247 13.553 15.787 20.304 13.566 17.524 8.136 10.605 1.474 2.359 11.657 14.737 9.020 11.803 6.830 9.182 15.731 20.474 3.293 4.319 4.600 5.936 21.478 27.205 6.650 9.048 998 1.693 1.515 2.065 2.783 3.788 4.747 5.976 12.592 16.298 4.202 5.404 1.427 2.168 3.536 4.905 837 1.246 1.196 1.786 7.959 9.964

Apr

Mei

Jun

118.751 32.039 722.128 10.700 85.749 134.496 4.958 9.589 13.671 75.747 17.020 25.600 23.892 11.597 2.715 16.786 14.585 12.076 26.220 6.030 7.666 34.077 11.228 1.860 2.954 5.031 8.036 20.496 7.158 3.228 6.733 1.863 2.479 9.173

121.531 32.804 749.395 10.922 87.110 137.885 5.085 9.927 14.021 77.377 17.315 26.194 24.321 11.954 2.886 17.255 14.969 12.623 26.969 5.913 7.907 34.935 11.455 1.906 3.042 5.161 8.206 20.862 7.405 3.335 7.041 1.917 2.553 9.376

123.932 34.469 780.231 11.234 90.174 143.692 5.180 10.250 14.434 79.375 17.911 26.619 24.933 12.062 2.850 17.580 15.480 13.096 28.131 6.149 8.151 36.376 11.700 1.968 3.174 5.348 8.464 21.325 7.676 3.481 7.468 1.986 2.705 8.890

Jul 126.715 34.707 782.799 11.345 90.642 143.882 5.258 10.450 14.822 79.633 18.124 27.026 25.556 12.106 2.990 17.719 15.728 13.273 28.672 6.236 8.251 36.807 11.787 1.994 3.224 5.430 8.631 21.515 7.802 3.530 7.638 2.012 2.731 8.947

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

129.452 35.569 803.021 11.640 93.022 147.103 5.388 10.700 15.091 81.236 18.365 27.667 26.043 13.021 3.087 18.461 16.106 13.728 29.426 8.202 8.469 37.965 12.025 2.042 3.317 5.586 8.854 22.151 8.004 3.613 7.838 2.056 2.787 9.396

131.376 36.573 812.941 11.662 94.026 148.951 5.435 10.764 14.880 83.141 18.536 27.837 26.159 13.140 3.180 18.461 16.170 13.790 30.002 8.241 8.597 38.655 12.227 2.057 3.355 5.527 8.958 22.504 8.129 3.661 7.929 2.075 2.858 9.007

133.117 37.161 816.583 11.786 94.458 149.391 5.539 11.080 15.343 84.176 18.788 28.352 26.733 13.305 3.269 18.596 16.386 14.088 30.846 8.336 8.752 39.420 12.406 2.088 3.433 5.779 9.144 22.881 8.234 3.760 8.096 2.165 2.877 9.267

135.657 37.742 831.198 11.939 96.283 151.315 5.651 11.269 15.620 85.698 19.154 28.926 27.058 13.598 3.338 19.029 16.673 14.679 31.653 8.393 8.902 39.983 12.671 2.110 3.521 5.893 9.286 23.487 8.013 3.851 8.228 2.224 2.928 10.431

139.218 41.465 864.130 12.174 99.042 155.238 5.751 11.641 16.171 87.117 20.052 29.326 27.553 14.494 3.737 19.018 17.180 15.287 32.513 8.838 9.109 41.658 13.037 2.171 3.638 6.095 9.511 24.321 7.877 3.989 8.412 2.243 3.043 10.795

138.392 41.242 850.589 12.154 98.445 151.883 5.722 11.750 16.161 87.448 19.753 29.120 27.548 14.423 3.415 18.926 17.057 15.253 32.252 9.073 9.034 41.435 12.827 2.199 3.629 6.120 9.505 24.089 7.714 3.926 8.173 2.254 2.954 11.540

140.285 41.735 860.517 12.363 100.997 156.235 5.852 11.992 16.671 89.620 20.360 29.440 28.317 14.432 3.505 19.415 17.304 15.467 32.945 9.165 9.156 42.276 12.996 2.244 3.704 6.239 9.709 24.493 7.879 4.004 8.403 2.315 2.991 10.862

144.976 42.365 874.284 12.620 104.697 161.297 6.092 12.372 17.160 90.119 21.198 30.338 29.051 14.816 3.633 20.029 17.898 15.633 34.118 9.480 9.566 43.989 13.510 2.360 3.866 6.522 10.191 24.828 8.213 4.223 8.971 2.420 3.202 10.809

146.592 42.898 891.357 12.836 105.160 162.442 6.289 12.715 17.459 90.537 21.600 30.782 29.510 15.402 3.671 20.177 18.101 16.037 34.681 10.213 9.754 44.509 13.732 2.425 3.949 6.652 10.344 25.209 8.386 4.319 9.194 2.522 3.294 10.790

Location Jawa Barat Banten DKI Jakarta D.I Yogyakarta Jawa Tengah Jawa Timur Bengkulu Jambi Nanggroe Aceh Darussalam Sumatera Utara Sumatera Barat Riau Kepulauan Riau Sumatera Selatan Bangka Belitung Lampung Kalimantan Selatan Kalimantan Barat Kalimantan Timur Kalimantan Tengah Sulawesi Tengah Sulawesi Selatan Sulawesi Utara Sulawesi Tenggara Sulawesi Barat Gorontalo Nusa Tenggara Barat Bali Nusa Tenggara Timur Maluku Papua Maluku Utara Irian Jaya Barat Others Total



Tabel 4.18 Kredit Bank Umum Berdasarkan Hubungan Dengan Bank (Credit of Commercial Banks Based on Bank Relationship) Miliar Rp (Billion Rp) 2010 Indikator

2005 2006 2007 2008

Indicator Apr

Kredit Kepada Pihak Tidak

2011

2009 Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

681.214 779.716

987.064 1.298.182 1.419.711 1.467.499 1.510.627 1.563.967 1.581.759 1.622.075 1.640.214 1.657.723 1.687.962 1.742.472 1.726.711 1.753.922 1.798.440 1.826.093

570.781 669.203

885.304 1.181.095 1.290.058 1.331.420 1.368.125 1.426.382 1.442.925 1.479.835 1.497.021 1.513.434 1.542.865 1.613.938 1.585.586 1.601.139 1.660.752 1.684.812

Terkait a. Lancar

parties

b. DPK

59.346

62.683

61.070

75.304

82.184

89.146

93.428

90.380

90.634

92.978

94.073

93.226

93.038

83.538

c. Kurang Lancar

15.395

9.181

5.866

8.119

9.738

9.941

10.905

9.869

9.717

10.024

10.699

11.890

11.004

d. Diragukan

11.066

5.868

3.487

5.402

8.127

8.199

8.622

8.414

8.170

7.639

8.074

8.218

e. Macet

24.626

32.781

31.337

28.262

29.605

28.792

29.546

28.924

30.313

31.600

30.347

51.087

47.829

40.690

41.784

47.469

46.933

49.073

47.206

48.200

49.263

7,36

6,04

0,00

0,00

0,00

0,00

0,00

0,00

0,00

0,00

Non Performing Loan Pihak

87.025

89.069

b. Special Mention

8.983

10.560

9.929

10.194

10.000

c. Sub-Standard

9.060

7.657

7.919

8.735

9.176

8.502

30.955

31.995

28.356

29.581

30.398

31.294

33.710

49.120

51.063

52.060

44.996

48.061

49.062

50.664

52.212

0,00

0,00

0,00

0,00

0,00

0,00

0,00

0,00

12.912

12.582

14.948

9.506

18.219 18.886

20.929

22.525

16.221

18.354

18.931 17.910

18.440

23.373

19.293

19.968

16.405

17.445

11.710

11.601

14.791

9.150

17.925 18.530

20.564

22.043

15.826

18.028

18.241 17.408

17.945

22.916

18.891

19.504

15.963

16.946

913

753

80

267

215

223

231

356

331

257

623

435

350

213

159

164

137

194

c. Kurang Lancar

43

2

8

57

34

43

36

43

35

32

29

31

97

197

200

253

81

82

d. Diragukan

15

1

1

4

5

11

22

21

4

19

21

7

8

8

5

8

182

182

232

224

68

28

40

79

76

62

26

19

18

30

41

40

39

39

43

41

289

228

77

89

79

133

134

126

65

70

68

68

146

245

243

300

305

306

0,04

0,03

0,00

0,00

0,00

0,00

0,00

0,00

0,00

0,00

0,00

0,00

0,00

0,00

0,00

0,00

0,00

0,00

b. DPK

e. Macet Non Performing Loan Pihak

Pihak Terkait (%)

Non Performing Loan of non

Loan for connected parties

Terkait Rasio Non Performing Loan

e. Lost Non Performing Loan of non

connected parties ratio (%)

Terkait a. Lancar

d. Doubtful

connected parties

Pihak Tidak Terkait (%) Kredit Kepada Pihak

a. Current

93.065 103.721

Tidak Terkait Rasio Non Performing Loan

Loan for non connected

a. Current b. Special Mention c. Sub-Standard d. Doubtful e. Lost Non Performing Loan of non connected parties Non Performing Loan of non connected parties ratio (%)

141



Tabel 4.19 Kredit yang Penarikannya Menggunakan Kartu (Credit Withdrawn by Credit Card) Miliar Rp (Billion Rp) 2010 Indikator

2005 2006 2007 2008

2009

Apr

Mei

Jun

Jul

Ags

2011 Sep

Okt

Nov

Des

Jan

Mar

Feb

Apr

Indicator

1. Bank Persero

-

-

-

4.652

6.143

5.219

5.356

5.522

5.620

5.928

5.761

6.000

6.045

6.228

6.741

6.366

6.312

2. BUSN Devisa

-

-

-

9.501

12.055

21.620

10.024

10.470

10.515

10.691

11.276

11.126

11.284

11.548

11.562

11.216

10.884

3. BUSN Non Devisa

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

4. BPD

-

-

-

3

2

2

3

1

1

1

3

3

1

3

1

2

1

5. Bank Campuran

-

-

-

2.259

2.851

2.129

2.148

2.826

3.028

3.046

3.122

3.382

3.400

3.353

3.370

3.366

3.281

6. Bank Asing

-

-

-

13.287

15.000

13.459

13.697

12.318

12.623

12.467

12.810

12.539

11.761

12.212

12.054

12.256

11.982

Banks 3 4. Regional Development Banks 3.267 5. Joint Venture Banks 12.133 6. Foreign Owned Banks

7. Bank Umum

-

-

-

29.701

36.051

42.429

31.227

31.136

31.787

32.134

32.972

33.051

32.492

33.345

33.728

33.206

32.461

33.561 7. Commercial Bank

142

6.613 1. State Owned Banks 11.546 2. Foreign Exchange Commercial Banks - 3. Non-Foreign Exchange Commercial



Tabel 4.20 Penerusan Kredit (Off - Balance Sheet ) Bank Umum Berdasarkan Sektor Ekonomi (Channelling Credit of Commercial Banks Based on Economic Sector) Miliar Rp (Billion Rp) Sektor Ekonomi 1. Pertanian,perburuandan

2010 2005 2006 2007 2008

2009

Apr

Mei

Jun

Jul

Ags

2011 Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

6.874

7.707

7.680

7.694

7.585

1.992

1.843

1.762

1.902

1.839

2.144

2.136

2.135

2.039

2.034

2.092

2.100

1.693

1. Agriculture, hunting and

1.173

1.536

1.461

884

618

256

256

597

591

576

231

227

208

208

200

153

151

1.027

2. Mining

1.603

1.188

1.193

1.363

1.205

1.951

1.991

4.266

2.511

2.512

2.493

2.493

2.464

2.480

2.487

2.504

2.476

2.507

3. Manufacturing

10.144

9.668

10.995

12.550

7.588

5.301

6.002

3.621

5.499

6.076

6.025

5.892

5.704

5.699

5.698

5.608

5.536

5.551

4. Electricity, gas and water

2.878 11.946

13.204

15.957

8.940

5.821

5.993

6.017

6.087

6.247

6.204

6.344

6.208

6.339

6.338

6.210

6.038

5.467

5. Construction

saranaPertanian 2. Pertambangan 3. Perindustrian 4. Listrik,gasdanair 5. Konstruksi

Economic Sector

agricultural facilities

6. Perdagangan,restorandanhotel

379

908

1.217

766

630

3.726

3.884

3.828

3.943

4.097

4.075

4.162

4.111

4.168

4.154

4.083

4.007

3.983

6. Trade, restaurants and hotels

7. Perdagangan,restorandanhotel

2.626

2.105

2.684

2.873

2.472

2.290

2.367

2.351

2.344

2.347

2.341

2.371

2.318

2.343

2.264

2.230

2.202

2.218


8. JasaDuniausaha

575

541

684

580

370

128

177

165

159

196

217

201

207

198

243

234

241

239

8. Business Services

9. Jasasosial/masyarakat

153

192

301

213

281

824

838

872

849

808

808

810

917

960

768

801

800

795

9. Social Services

8.112

4.919

4.258

3.083

3.204

7.317

6.327

5.836

5.553

5.498

5.544

5.510

5.449

5.726

5.861

6.105

5.816

5.574

34.517 40.710

43.675

45.962

32.893

29.606

29.679

29.314

29.439

30.197

30.083

30.145

29.720

30.160

30.048

30.021

29.367

29.054

10.Lain-lain Total

10. Others Total

143



Tabel 4.21 Penerusan Kredit (Off - Balance Sheet) Bank Umum Berdasarkan Jenis Kredit dan Golongan Penyalur (Channelling Credit of Commercial Banks Based on Type of Credit and Type of Creditor) Miliar Rp (Billion Rp) 2010 Indikator Berdasarkan Jenis Kredit 1. Kredit Usaha Kecil a. Dalam rangka penerusan kredit dari BI b. Lainnya 2. Bukan KUK a. Kredit Kelolaan b. Dalam rangka penerusan kredit dari BI c. Bantuan Proyek d. Kredit kelolaan di luar bantuan proyek 3. Mudharabah Muqayaddah Berdasarkan Golongan Penyalur 1. Koperasi 2. Lembaga Swadaya Masyarakat 3. Swasta Lainnya Total

144

2005 2006 2007 2008

2.915

3.034

8.624

3.043

2009

2011 Indicator

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

2.972

2.839

1.190

1.206

1.098

1.097

1.096

1.097

1.092

1.101

1.101

1.099

1.098

1.110

1.110

9.976

11.359 13.386

6.203

1.828

5.527

5.655

5.459

6.092

6.056

6.060

5.930

6.001

5.992

6.131

5.836

5.835

21.031 26.328 297 405

27.797 28.434 424 261

23.355 331

18.140 137

14.202 127

14.020 123

14.015 121

13.993 120

13.927 73

13.906 73

13.631 72

13.834 72

13.693 71

13.567 71

13.396 71

13.196 71

800 534

240 365

310 221

306 200

83 199

48 6

57 7

57 7

57 9

58 9

57 10

94 24

57 10

57 17

57 44

57 8

57 8

65 8

316

362

522

403

346

8.556

8.481

8.719

8.682

8.828

8.864

8.897

8.918

9.078

9.090

9.088

8.888

8.769

4.552 493

5.505 649

5.496 641

5.519 597

5.615 599

921 8.094

934 8.021

824 8.108

834 8.149

830 8.220

799 8.231

772 8.308

772 8.234

771 8.300

803 8.300

803 8.214

801 8.148

801 8.134

29.471 34.555

37.538 39.846

27.142

20.889

20.651

20.747

20.455

21.147

21.053

21.065

20.714

21.090

20.945

21.004

20.418

20.119

34.517 40.710

43.675 45.962

33.356

29.904

29.606

29.679

29.439

30.197

30.083

30.145

29.720

30.160

30.048

30.021

29.367

29.054

Based on the type of credit 1. Small business loans a. within the framework of channeling credit from BI b.Other 2. Not KUK a. Loans b.natural order channeling credit from BI c. Aid Project d.Credit Channeling outside assistance project 3. Mudharabah Muqayaddah Based Distribution Group 1. Cooperation 2. Non-Governmental Organization 3. Other Private Total



Tabel 4.22 Kredit Berdasarkan Nilai (Credit Based on Value) Miliar Rp (Billion Rp) 2010 Indikator Nilai Nominal Kredit 1. Bank Persero 2. BUSN Devisa

2005 2006 2007 2008

2009

2011 Indicator

Apr

Mei

558.639 570.514 575.960 596.395

Jun

Jul

589.543 619.041

588.176 590.416

45.409

36.019

Ags

Sep

Okt

602.376 549.619 611.650 652.886 518.552 654.605

Nov

Des

Jan

Feb

Mar

Apr

623.121 686.775

644.093 719.285

628.071 619.014

639.834 651.772 660.338 764.117 742.180 758.617

46.989

48.417

40.214

-

-

-

-

-

3. BUSN Non Devisa

-

-

-

-

-

4. BPD 5. Bank Campuran 6. Bank Asing 7. Bank Umum

-

-

-

-

- 126.887 128.914 132.747 131.472 137.217 128.398 139.505 142.180 141.904 137.934 143.862 147.381 151.920 84.366 88.151 94.756 88.693 92.499 76.154 95.981 96.459 99.082 99.573 96.150 96.918 97.432 - 102.384 106.917 105.987 106.969 109.433 92.706 111.537 111.431 113.503 115.887 117.253 118.641 118.966 - 1.486.794 1.530.672 1.587.483 1.541.745 1.639.249 1.404.232 1.657.417 1.706.955 1.766.284 1.640.693 1.811.489 1.808.644 1.840.257

-

-

-

-

-

3. BUSN Non Devisa

-

-

-

-

-

4. BPD 5. Bank Campuran 6. Bank Asing 7. Bank Umum

-

-

-

-

- 127.329 129.472 133.435 132.639 138.323 129.858 141.073 143.956 143.687 143.395 145.945 149.427 152.882 84.391 88.165 94.779 88.693 92.476 76.130 95.937 96.378 99.020 98.845 94.606 96.821 97.360 - 102.410 107.254 106.049 106.824 109.387 92.668 111.449 110.950 113.004 115.700 117.054 118.427 118.757 - 1.486.329 1.531.556 1.586.492 1.597.980 1.640.430 1.659.145 1.675.633 1.706.403 1.765.845 1.746.005 1.773.889 1.814.846 1.843.537

Nilai Wajar Kredit 1. Bank Persero 2. BUSN Devisa

r)

Data Revisi

38.558

39.781

557.986 570.164 575.578 596.004 38.554

40.497

588.755 618.772

587.403 589.943

45.390

35.999

44.838

38.803

44.139

601.628 548.177 610.383 653.864 518.200 653.939 44.815

39.134

44.464

621.691 686.108

642.718 718.566

629.622 708.824

47.313

48.700

49.619

50.273

51.752

52.984

637.831 656.897 665.361 728.002 741.401 756.127 50.450

51.873

53.050

Nominal Value of Credit 1. State Owned Banks 2. Foreign Exchange Commercial Banks) 3. Non-Foreign Exchange Commercial Banks) 4. Development Banks 5. Joint Venture Banks 6. Foreign Owned Banks 7. Commercial Banks Fair Value of Credit 1. State Owned Banks 2. Foreign Exchange Commercial Banks) 3. Non-Foreign Exchange Commercial Banks) 4. Development Banks 5. Joint Venture Banks 6. Foreign Owned Banks 7. Commercial Banks r)

Revised

145



Tabel 4.23 Pembiayaan Perbankan Syariah (Financing of Syariah Banks) Miliar Rp (Billion Rp) 2010 Indikator

2005 2006 2007 2008

Pembiayaan Musyarakah

3.124

2.335

4.406

7.411

Pembiayaan Mudharabah

1.898

4.062

5.578

6.205

Piutang Murabahah

9.487

12.624

16.553 22.486

2011 Indicator

2009

Apr

Mei

10.412 11.632 6.597

6.933

26.321 28.922

Jun

Jul

Ags

11.950 12.420 12.645 7.231

7.593

7.856

29.744 31.108 32.027

Sep

13.323 13.305

Okt

Nov

Des

14.624 14.600

13.943

14.353

8.292

8.411

8.895

33.310 33.967

34.831

36.214

8.207

Jan

Feb

Mar

Apr

14.677

14.988

15.057

Musyarakah Financing

8.560

8.606

8.767

8.843

Mudharabah Financing

37.508 37.855

38.983

40.877

42.453

8.631

Murabahah Accounts Receivable

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Piutang Istishna’

282

337

351

369

423

404

410

392

383

389

380

391

395

347

351

360

328

315

Lainnya

441

1.087

1.056

1.724

3.134

3.760

3.888

4.288

4.722

5.046

5.025

5.418

6.084

7.071

8.358

8.824

9.293

9.058

Others

15.232

20.445

60.275 60.970

62.995

65.942

68.181 69.724

71.449

74.253

75.726

Total

Piutang Salam

Total

146

27.944 38.195

46.886 51.651

53.223 55.801 57.633

Salam Accounts Receivable Istishna’ Accounts Receivable



Tabel 4.24 Pembiayaan Perbankan Syariah Berdasarkan Sektor Ekonomi (Financing of Syariah Banks Based on Economic Sector) Miliar Rp (Billion Rp) Sektor Ekonomi 1. Pertanian, perburuan dan sarana pertanian 2. Pertambangan 3. Perindustrian 4. Listrik, gas dan air 5. Konstruksi 6. Perdagangan, restoran dan hotel 7. Pengangkutan, pergudangan dan komunikasi 8. Jasa Dunia usaha 9. Jasa sosial/masyarakat 10. Lain-lain Total

2010 2005 2006 2007 2008

2011

2009 Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Economic Sector

687

701

837

1.177

1.331

1.555

1.661

1.678

1.671

1.675

1.671

1.707

1.992

1.762

1.959

1.946

1.981

395 933 66 1.548 1.716

375 940 17 1.637 3.041

511 1.371 166 2.371 4.152

965 1.340 248 3.368 4.426

1.047 1.579 698 3.516 5.000

1.072 1.976 803 3.976 6.186

1.081 2.072 857 3.930 6.397

1.098 2.107 910 4.083 6.787

1.073 2.172 927 3.996 6.855

1.090 2.168 1.040 4.319 7.062

1.096 2.126 1.134 4.015 7.136

1.051 2.158 1.234 4.322 7.404

1.057 2.282 1.317 4.202 7.422

1.120 2.337 1.354 4.194 7.609

955 2.336 1.376 4.541 7.306

968 2.633 1.401 4.563 7.305

1.015 2.549 1.857 4.680 7.689

1.261

1.165

1.569

2.759

3.349

3.552

3.565

3.575

3.554

3.519

3.435

3.433

3.545

3.696

3.718

3.558

3.768

4.504 1.208 2.952

5.458 1.456 5.655

8.425 11.757 1.904 2.463 6.639 9.693

13.664 14.712 15.355 16.103 16.872 18.016 18.517 18.848 19.880 2.622 2.687 2.755 2.736 2.613 2.694 2.862 2.910 2.661 14.042 15.196 15.618 16.705 17.776 18.771 19.146 19.975 21.335

20.233 2.975 22.902

19.844 3.069 24.620

20.204 3.135 25.737

20.210 3.407 27.098

1.986 1. Agriculture, hunting and agricultural facilities 1.026 2. Mining 2.472 3. Manufacturing 1.944 4. Electricity, gas and water 4.664 5. Construction 7.837 6. Trade, restaurants and hotels 3.793 7. Transport, cargo storage and communications 20.660 8. Business Services 3.551 9. Social Services 27.792 10. Others

15.270 20.445

27.944 38.195

46.886 51.651 53.223 55.801 57.633 60.275 60.970 62.995 65.942

68.181

69.724

71.449

74.253

75.726 Total

147



Tabel 4.25 Pembiayaan Perbankan Syariah Berdasarkan Lokasi Bank Penyalur (Financing of Syariah Banks Based on Banks Location) Miliar Rp (Billion Rp) 2010 Lokasi

2005 2006 2007 2008

Location Apr

DI Aceh Sumatera Utara Sumatera Barat Sumatera Selatan Bangka Belitung Jambi Bengkulu Riau Kepulauan Riau Lampung DKI Jakarta Jawa Barat Banten Jawa Tengah DI Yogyakarta Jawa Timur Bali Kalimantan Barat Kalimantan Tengah Kalimantan Timur Kalimantan Selatan Sulawesi Utara Gorontalo Sulawesi Barat Sulawesi Tengah Sulawesi Tenggara Sulawesi Selatan Maluku Maluku Utara NTB NTT Irian Jaya Barat Papua Di Luar Indonesia Total

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

-

-

279 1.668 398 509 39 145 175 696 297 235 12.959 3.065 962 1.240 318 1.774 44 364 21 575 570 73 71 98 161 858 14 33 200 15 35 53 -

538 849 1.063 2.369 2.840 3.012 941 602 833 761 1.052 1.238 62 41 37 458 275 411 245 201 235 893 1.047 1.221 529 337 401 591 368 515 18.172 21.158 22.565 3.766 4.666 5.213 841 1.111 1.289 1.958 2.611 3.027 679 508 629 2.566 3.519 3.988 150 73 115 624 476 588 37 25 37 706 1.048 1.200 870 795 847 157 114 145 115 63 86 15 7 199 136 163 157 180 157 978 1.098 1.258 12 16 13 35 36 35 448 261 396 36 24 33 69 42 62 147 77 140 4 3

1.112 1.202 3.098 3.198 989 1.052 1.281 1.357 76 86 474 496 254 265 1.269 1.348 585 630 623 726 22.648 23.123 5.468 6.011 1.507 1.621 3.157 3.314 705 728 4.185 4.412 160 172 625 656 44 57 1.232 1.315 931 1.010 167 186 120 132 16 23 226 262 159 181 1.297 1.359 13 12 37 42 464 478 37 41 70 70 190 235 3 3

1.287 3.283 1.144 1.403 92 545 276 1.394 670 732 23.402 6.450 1.687 3.426 761 4.536 224 658 61 1.342 1.089 195 136 28 290 182 1.418 13 50 498 45 74 238 4

1.356 3.365 1.233 1.437 98 572 284 1.431 708 771 24.514 6.827 1.786 3.542 803 4.731 235 682 66 1.402 1.102 205 140 35 308 183 1.499 13 54 518 50 79 243 2

1.368 3.402 1.272 1.453 101 591 289 1.417 732 789 24.447 6.959 1.827 3.640 808 4.811 248 688 69 1.490 1.113 218 148 38 324 181 1.575 13 57 511 56 82 251 2

1.455 1.535 3.403 4.479 1.327 1.387 1.481 1.523 124 129 615 647 297 309 1.463 1.519 760 815 833 865 25.214 25.711 7.293 7.575 1.868 1.969 3.770 3.900 822 831 4.984 5.215 263 281 702 714 74 103 1.533 1.578 1.115 1.134 226 235 152 160 44 48 341 363 182 182 1.636 1.653 18 22 73 83 523 541 65 70 84 86 254 262 2 17

1.617 3.133 1.833 1.566 135 712 311 1.589 852 922 26.900 8.029 2.086 4.170 868 5.627 298 720 772 924 1.156 240 168 53 390 187 1.672 28 87 556 75 89 272 145

1.734 3.549 1.549 1.614 145 737 311 1.642 877 910 27.220 8.106 2.207 4.332 899 5.960 304 746 113 1.578 1.174 237 168 56 403 187 1.689 28 88 570 78 87 276 148

1.844 3.627 1.639 1.647 158 782 314 1.703 911 951 27.735 8.295 2.321 4.469 913 6.030 319 759 117 1.589 1.192 242 172 62 413 191 1.736 29 90 599 80 89 286 145

1.937 3.714 1.725 1.712 180 817 319 1.772 977 1.011 28.272 8.621 2.857 4.622 950 6.267 333 800 126 1.632 1.244 246 176 67 453 202 1.823 33 94 631 91 93 312 142

1.979 3.800 1.744 1.740 193 854 332 1.832 1.021 1.037 30.062 8.408 2.918 4.189 955 6.323 337 806 130 1.667 1.254 257 182 69 469 209 1.920 35 98 663 106 97 315 140

-

-

27.944

38.195 46.886 51.651

53.223 55.801

57.633

60.275

60.970

62.995 65.942

68.181

69.724

71.449

74.253

76.142

Ket : Data tersedia mulai 2007

148

2011

2009

DI Aceh Sumatera Utara Sumatera Barat Sumatera Selatan Bangka Belitung Jambi Bengkulu Riau Kepulauan Riau Lampung DKI Jakarta Jawa Barat Banten Jawa Tengah DI Yogyakarta Jawa Timur Bali Kalimantan Barat Kalimantan Tengah Kalimantan Timur Kalimantan Selatan Sulawesi Utara Gorontalo Sulawesi Barat Sulawesi Tengah Sulawesi Tenggara Sulawesi Selatan Maluku Maluku Utara NTB NTT Irian Jaya Barat Papua Outside Indonesia Total

Note : Data available since 2007



Tabel 4.26 Kredit Bank Perkreditan Rakyat Berdasarkan Sektor Ekonomi (Credit of Rural Banks Based on Economic Sector) Miliar Rp (Billion Rp) Sektor Ekonomi

2010 2005 2006 2007 2008

2009 Jan

r)

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Economic Sector

Sep

1. Pertanian

886

1.058

1.340

1.745

2.002

2.032

2.084

2.126

2.214

2.259

2.302

2.360

2.398

2.390

2. Perindustrian

222

258

333

427

505

506

513

531

540

538

546

557

576

589

6.042

6.715

7.717

9.328

9.786

9.859 10.084 10.258 10.425 10.631 10.846 11.050 11.342 11.234

3. Trading, restaurants and hotels

4. Jasa-jasa

1.458

1.769

2.096

2.676

3.053

3.083

4. Social Services

5. Lain-lain

6.046

7.149

9.055 11.296

12.653 12.852 13.048 13.320 13.649 13.958 14.239 14.437 14.751 14.797

14.654 16.948

20.540 25.472

28.001 28.332 28.894 29.482 30.195 30.858 31.495 32.066 32.835 32.834

3. Perdagangan, rumah makan dan

1. Agriculture 2. Manufacturing

penginapan

Total

Ket : r) Revisi Data bulan Oktober 2010 bersambung di halaman 150 karena terdapat perubahan sektor ekonomi dalam laporan bulanan BPR

1)

3.165

3.248

3.367

3.473

3.562

3.662

3.769

3.824

5. Others Total

Note : r) Revised October 2010 data continued on page 150 because there are changes economic sector in the rural bank's monthly report

1)

149



Tabel 4.26 Kredit Bank Perkreditan Rakyat Berdasarkan Sektor Ekonomi (Credit of Rural Banks Based on Economic Sector) Miliar Rp (Billion Rp) 2010

2011

Sektor Ekonomi

Economic Sector Okt1)

1

Pertanian, Perburuhan, dan Kehutanan

2 3 4

Industri Pengolahan

5

Listrik, Gas dan Air

6

Konstruksi

7

Perdagangan Besar dan Eceran

8 9

Nov

Des

Jan

Feb

Mar

Apr

2.526

2.701

2.565

2.574

2.588

2.664

2.728

1. Agriculture, hunting, and forestry

Perikanan

27

37

40

41

45

55

55

2. Fishery

Pertambangan dan Penggalian

30

37

37

35

42

39

50

3. Mining and quarrying

505

550

478

495

500

517

583

16

15

14

16

16

18

19

4. Processing industry 5. Electricity, gas and water

227

257

259

286

307

345

375

10.869

10.591

10.342

10.428

10.572

10.911

11.139

Penyediaan Akomodasi dan Penyedian Makan Minum

286

284

288

282

325

307

310

8. Provision of accommodation and the provision of eating and drinking

Transportasi, Pergudangan dan Komunikasi

439

568

577

601

611

680

676


10 Perantara Keuangan

29

31

32

34

32

34

35

11 Real Estate, Usaha Persewaan, dan Jasa Perusahaan

60

69

66

97

111

128

115

11. Real estate, Business ownership, and Business Services

12 Administrasi Pemerintahan, Pertanahan Dan Jaminan Sosial Wajib

88

130

120

128

119

145

109

12. Government administration, defense and compulsory social security

13 Jasa Pendidikan

51

60

56

63

59

69

66

14 Jasa Kesehatan dan Kegiatan Sosial 15 Jasa Kemasyarakatan, Sosial Budaya, Hiburan dan Perorangan Lainnya 16 Jasa Perorangan yang Melayani Rumah Tangga 17 Kegiatan Usaha yang Belum Jelas Batasannya 18 Bukan Lapangan Usaha - Rumah Tangga

6. Construction 7. Wholesale and retail trade

10. Financial intermediaries

13. Education services

82

81

81

89

91

95

100

1.899

1.845

1.807

1.751

1.841

1.731

1.736

14. Health services and social activities

275

290

275

302

324

320

348

1.639

1.631

1.683

1.643

1.654

1.667

1.615

17. Business activities are not clearly defined 18. Not the business field - households

15. Social services, social, cultural, entertainment and other individual 16. Individual services which serve households

4.038

3.833

3.785

3.639

3.816

3.704

3.700

19 Bukan Lapangan Usaha - Lainnya

10.199

10.571

11.341

11.651

11.807

12.242

12.607

19. Not the business field - other

Total

33.284

33.580

33.844

34.158

34.860

35.669

36.365

Total

1)

Merupakan sambungan halaman 149 karena terdapat perubahan sektor ekonomi dalam laporan bulanan BPR

150

1)

Continue from page 149 because there are changes economic sector in the rural bank's monthly report



Tabel 4.27 Kredit Bank Perkreditan Rakyat Berdasarkan Jenis Penggunaan (Credit of Rural Banks Based on Type of Use) Miliar Rp (Billion Rp) Jenis Penggunaan Modal Kerja - Pertanian - Perindustrian - Perdagangan, rumah makan, dan penginapan - Jasa-jasa - Lain-lain Total Modal Kerja Investasi - Pertanian - Perindustrian - Perdagangan, rumah makan, dan penginapan - Jasa-jasa - Lain-lain Total Investasi Konsumsi - Kredit pemilikan rumah (KPR) yang dijamin dgn hak tanggungan pertama dgn tujuan untuk dihuni - Kredit pemilikan kendaran bermotor - Kredit konsumsi lainnya Total Konsumsi Total

2010 2005 2006 2007 2008

Type of Use

2009 Jan

Feb

Mar 1.871 420 9.318

1.791 398 8.951

1.837 403 9.151

2.286 2.19 932 918 14.169 14.359

2.266 930 14.587

226 29 512

225 27 505

233 29 516

238 30 514

623 156 1.846

594 210 1.571

517 218 1.491

595 228 1.601

127

168

237

246

310

456

615

880

5.452 5.452

6.167 6.553

7.802 8.386

14.654

16.948

20.540

Apr

Mei

Jun

Jul

Ags

Sep

Working Capital - Agriculture - Manufacturing - Trading, restaurants and hotels - Social Services - Others Total Working Capital

1.949 422 9.458

1.994 421 9.647

2.030 424 9.837

2.084 430 10.020

2.122 450 10.253

2.113 460 10.128

2.326 2.398 976 1.047 14.912 15.274

2.490 1.066 15.618

2.551 1.030 15.872

2.611 1.082 16.227

2.707 1.113 16.645

2.741 1.140 16.582

248 33 532

247 33 532

255 32 573

259 34 584

257 31 605

258 31 602

597 237 1.616

633 235 1.680

631 240 1.682

649 257 1.766

670 274 1.821

658 268 1.819

649 276 1.816

242

239

263

279

281

309

324

327

905

916

932

978

954

872

817

828

848

9.836 10.619

11.331 11.143 12.261 12.482

11.547 12.706

11.782 12.000 12.954 13.241

12.326 13.559

12.703 13.856

12.891 14.018

13.220 14.371

13.261 14.437

- Other consumer credit Total Consumption

25.472

28.001 28.332

28.894

29.482 30.195

30.858

31.495

32.066

32.835

32.834

Total

845 215 5.877

969 239 6.326

1.198 311 7.049

1.514 396 8.523

1.176 516 8.630

1.452 508 9.494

1.678 540 10.776

2.053 521 13.007

41 7 165

89 19 389

142 22 667

231 31 805

282 78 572

317 88 902

418 129 1.379

-

75

-

1.763 400 8.892

Investments - Agriculture - Manufacturing - Trading, restaurants and hotels - Social Services - Others Total Investments Consumption - Housing Loan (mortgage) secured by first mortgage in order to live - Vehicle Loans

151



Tabel 4.27 Kredit Bank Perkreditan Rakyat Berdasarkan Jenis Penggunaan (Credit of Rural Banks Based on Type of Use) Miliar Rp (Billion Rp) 2010

2011

Sektor Ekonomi Modal Kerja - Pertanian, Perburuhan, dan Kehutanan - Perikanan - Pertambangan dan Penggalian - Industri Pengolahan - Listrik, Gas dan Air - Konstruksi - Perdagangan Besar dan Eceran - Penyediaan Akomodasi dan Penyedian Makan Minum - Transportasi, Pergudangan dan Komunikasi - Perantara Keuangan - Real Estate, Usaha Persewaan dan Jasa Perusahaan - Administrasi Pemerintahan, Pertanahan Dan Jaminan Sosial Wajib - Jasa Pendidikan - Jasa Kesehatan dan Kegiatan Sosial - Jasa Kemasyarakatan, Sosial Budaya, Hiburan dan Perorangan Lainnya - Jasa Perorangan yang Melayani Rumah Tangga - Kegiatan Usaha yang Belum Jelas Batasannya - Bukan Lapangan Usaha - Rumah Tangga - Bukan Lapangan Usaha - Lainnya Total Modal Kerja Investasi - Pertanian, Perburuhan, dan Kehutanan - Perikanan - Pertambangan dan Penggalian - Industri Pengolahan - Listrik, Gas dan Air - Konstruksi - Perdagangan Besar dan Eceran - Penyediaan Akomodasi dan Penyedian Makan Minum - Transportasi, Pergudangan dan Komunikasi - Perantara Keuangan - Real Estate, Usaha Persewaan dan Jasa Perusahaan - Administrasi Pemerintahan, Pertanahan Dan Jaminan Sosial Wajib - Jasa Pendidikan - Jasa Kesehatan dan Kegiatan Sosial - Jasa Kemasyarakatan, Sosial Budaya, Hiburan dan Perorangan Lainnya - Jasa Perorangan yang Melayani Rumah Tangga - Kegiatan Usaha yang Belum Jelas Batasannya - Bukan Lapangan Usaha - Rumah Tangga - Bukan Lapangan Usaha - Lainnya Total Investasi Konsumsi - Kredit pemilikan rumah (KPR) yang dijamin dengan hak tanggungan pertama dengan tujuan untuk dihuni - Kredit pemilikan kendaraan bermotor - Kredit konsumsi lainnya Total Konsumsi Total

152

Economic Sector Okt

Nov

Des

Jan

Feb

Mar

Apr

2.273 25 26 446 14 207 10.160 238 310 26 56 82 41 58 1.431 217 1.391 0 22 17.021

2.260 36 32 455 14 230 9.790 243 380 26 64 122 47 62 1.329 253 1.382 0 0 16.724

2.277 38 32 451 13 238 9.679 249 387 27 59 111 44 62 1.437 241 1.446 0 16.790

2.292 39 31 468 15 265 9.783 244 400 31 88 119 53 70 1.376 279 1.400 0 16.954

2.286 43 36 473 15 286 9.898 287 402 29 99 110 46 71 1.444 300 1.400 0 17.227

2.355 52 33 489 17 325 10.232 266 453 31 116 131 56 74 1.319 297 1.417 0 17.663

2.400 52 43 548 17 347 10.454 267 441 33 101 101 52 80 1.318 320 1.364 0 17.937

253 2 4 59 2 20 709 48 129 3 4 7 10 24 468 58 249 0 13 2.061

441 2 5 95 1 27 801 42 188 5 5 8 13 19 515 37 250 0 0 2.453

288 2 5 28 1 22 663 39 190 5 7 9 12 19 370 33 237 1.929

282 2 5 28 1 22 645 38 201 3 9 9 11 19 375 23 242 0 1.914

302 2 6 27 1 21 674 38 209 3 12 9 13 20 397 23 254 0 2.011

309 2 6 29 1 19 679 41 227 2 12 14 13 21 412 23 249 2.061

328 3 7 35 3 28 685 43 235 3 13 7 15 20 417 28 251 2.121

361

373

382

396

404

423

435

677 13.164 14.201

651 13.380 14.403

1.072 13.672 15.126

1.106 13.788 15.290

1.174 14.045 15.623

1.126 14.396 15.945

1.167 14.704 16.306

- Vehicle Loans - Other consumer credit Total consumption

33.284

33.580

33.844

34.158

34.860

35.669

36.365

Total

Working Capital - Agriculture, hunting, and forestry - Fishery - Mining and quarrying - Processing industry - Electricity, gas and water - Construction - Wholesale and retail trade - Provision of accommodation and the provision of eating and drinking - Transportation, warehousing and communications - Financial intermediaries - Real estate, Business Ownership, and Business Services - Government administration, defense and compulsory social security - Education services - Health services and social activities - Social services, social, cultural, entertainment and other individual - Individual services which serve households - Business activities are not clearly defined - Not the business field – households - Not the business field – other Total Working Capital Investment - Agriculture, hunting, and forestry - Fishery - Mining and quarrying - Processing industry - Electricity, gas and water - Construction - Wholesale and retail trade - Provision of accommodation and the provision of eating and drinking - Transportation, warehousing and communications - Financial intermediaries - Real estate, Business Ownership, and Business Services - Government administration, defense and compulsory social security - Education services - Health services and social activities - Social services, social, cultural, entertainment and other individual - Individual services which serve households - Business activities are not clearly defined - Not the business field - households - Not the business field - other Total Investment Consumption - Housing Loan (mortgage) secured by first mortgage in order to live



Tabel 4.28 Kredit Bank Perkreditan Rakyat Berdasarkan Lokasi Bank Penyalur (Credit of Rural Banks Based on Banks Location) Miliar Rp (Billion Rp) 2010 Lokasi

2005 2006 2007 2008

Location Apr

Jawa Barat Banten DKI Jakarta D.I. Yogyakarta Jawa Tengah Jawa Timur Bengkulu Jambi Nanggroe Aceh Darussalam Sumatera Utara Sumatera Barat Riau Kep. Riau Sumatera Selatan Bangka-Belitung Lampung Kalimantan Selatan Kalimantan Barat Kalimantan Timur Kalimantan Tengah Sulawesi Tengah Sulawesi Selatan Sulawesi Utara Sulawesi Tenggara Sulawesi Barat Gorontalo Nusa Tenggara Barat Bali Nusa Tenggara Timur Maluku Papua Maluku Utara Irian Jaya Barat Lainnya Total

2011

2009 Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

2.769 282 141 819 3.901 2.059 10 45 26 257 287 118 118 97 5 1.951 78 117 50 1 54 58 84 13 8 197 949 17 73 75 1 -

3.096 301 254 852 4.399 2.274 11 95 26 283 372 163 232 136 7 2.247 76 173 71 3 75 89 106 20 13 237 1.091 17 111 118 1 -

3.515 402 365 1.047 5.280 2.557 12 144 26 319 514 222 376 204 5 2.787 105 219 96 4 113 142 131 32 14 283 1.347 25 137 115 1 -

4.401 480 423 1.289 6.355 2.977 17 161 64 382 660 316 554 280 7 3.398 180 281 132 9 180 218 158 42 3 15 341 1.777 50 167 154 1 -

4.803 575 473 1.481 7.399 3.564 19 183 99 438 757 385 828 345 12 2.281 196 309 155 19 188 263 203 51 2 20 424 2.092 88 167 182 1 -

5.091 603 530 1.573 7.831 3.842 19 196 102 458 788 429 1.022 377 13 2.655 220 314 158 31 172 283 217 52 2 20 444 2.282 96 179 179 1 16 -

5.219 621 549 1.609 7.959 3.934 19 201 100 465 808 442 1.061 388 14 2.763 217 314 159 35 185 291 225 52 2 20 446 2.286 100 175 190 1 8 -

5.332 642 555 1.654 8.121 4.044 20 204 81 474 821 455 1.124 405 14 2.729 224 321 163 37 190 296 230 52 2 21 446 2.359 103 171 192 1 11 -

5.444 654 574 1.687 8.250 4.121 20 206 82 478 827 470 1.177 414 15 2.708 242 330 167 38 200 304 235 51 2 21 449 2.416 110 166 194 2 11 -

5.602 679 581 1.731 8.451 4.219 21 209 83 485 823 484 1.232 422 15 2.784 225 332 173 38 208 315 242 51 2 21 453 2.466 115 164 195 3 11 -

5.645 676 560 1.730 8.381 4.181 21 210 81 480 824 483 1.272 423 15 2.799 219 335 175 38 210 319 247 51 3 21 449 2.487 116 166 201 3 13 -

5.782 684 577 1.750 8.441 4.170 21 212 81 487 829 491 1.311 429 15 2.877 219 335 178 36 213 334 261 51 3 21 437 2.542 118 158 201 3 16 -

5.783 692 590 1.758 8.479 4.157 21 214 78 488 829 497 1.350 434 15 2.930 239 340 177 35 206 349 281 52 3 21 457 2.616 123 155 189 4 18 -

5.862 697 592 1.766 8.516 4.150 21 214 76 493 829 501 1.376 449 15 2.899 250 347 178 34 221 364 288 51 3 20 464 2.666 122 161 193 5 20 -

5.923 704 633 1.761 8.540 4.130 21 217 77 489 833 508 1.415 448 16 2.953 250 354 171 36 239 379 295 50 3 18 469 2.714 117 171 197 5 22 -

6.080 717 658 1.782 8.609 4.202 21 219 79 492 848 514 1.445 467 17 3.023 292 357 178 37 245 394 308 50 3 19 479 2.791 119 181 204 6 25 -

6.243 736 657 1.818 8.775 4.301 22 222 82 499 864 524 1.498 480 18 3.075 306 369 178 41 277 414 322 49 3 19 486 2.862 124 162 209 7 29 -

6.397 764 657 1.851 8.946 4.387 22 227 85 507 872 534 1.541 500 19 3.026 320 381 181 39 284 429 344 50 3 19 495 2.953 126 157 211 7 32 -

14.659

16.948

20.540

25.472

28.001

30.195

30.858

31.495

32.066

32.835

32.834

33.284

33.580

33.844

34.158

34.860

35.669

36.365

Ket : ) Lokasi disesuaikan dgn daerah pemekaran mulai Juni 2010

Jawa Barat Banten DKI Jakarta D.I. Yogyakarta Jawa Tengah Jawa Timur Bengkulu Jambi Nanggroe Aceh Darussalam Sumatera Utara Sumatera Barat Riau Kep. Riau Sumatera Selatan Bangka-Belitung Lampung Kalimantan Selatan Kalimantan Barat Kalimantan Timur Kalimantan Tengah Sulawesi Tengah Sulawesi Selatan Sulawesi Utara Sulawesi Tenggara Sulawesi Barat Gorontalo Nusa Tenggara Barat Bali Nusa Tenggara Timur Maluku Papua Maluku Utara Irian Jaya Barat Lainnya Total

Note : Change location accordance region expansion since Juni 2010

153



Tabel 4.29 Kredit MKM dan UMKM Menurut Sektor Ekonomi (Micro, Small, and Medium Credit & Micro, Small, and Medium Entreprises credit based on Economic Sector) Miliar Rp (Billion Rp) Sektor Ekonomi

2 0 1 0*) Ags Sep

2011 Feb Mar

Economic Sector

2005 2006 2007 2008

2009

12.642 971 32.480 245 7.709 87.515 6.485 20.657 5.292 180.912

13.924 1.311 36.647 1.483 10.123 107.288 6.605 23.514 6.020 203.528

16.114 1.527 37.796 286 13.241 134.574 7.200 30.519 6.670 254.870

19.424 1.823 46.045 560 17.114 157.132 8.639 40.851 7.586 334.773

22.592 4.261 44.083 705 19.291 187.980 9.306 44.128 8.746 396.293

14.971 5.572 49.437 698 17.999 164.564 11.687 49.048 14.614 461.690

14.918 15.905 18.914 18.007 17.640 6.234 6.892 7.198 6.096 6.317 50.410 51.892 51.884 53.992 53.771 679 738 878 945 968 20.168 20.471 20.783 21.438 21.845 164.945 173.311 190.340 194.145 192.389 11.684 12.124 12.405 11.964 12.068 49.636 47.628 46.263 46.986 52.817 15.161 30.973 30.429 35.316 29.150 476.981 475.850 471.475 481.023 492.767

17.057 6.585 53.388 1.866 22.854 190.067 12.325 53.461 30.194 505.628

16.844 17.128 16.940 17.106 5.875 6.648 6.617 7.041 53.733 55.434 53.184 55.988 1.358 964 908 1.047 23.205 21.655 20.008 20.676 193.706 195.489 190.509 190.898 12.395 12.398 13.548 14.309 53.764 56.679 35.860 38.518 28.292 28.299 68.768 71.223 516.631 531.695 514.438 521.952

17.920 6.538 56.780 1.047 21.420 196.560 14.834 39.255 78.933 541.875

17.716 7.946 58.598 1.049 22.132 197.086 15.598 39.971 81.410 548.683

Total UMKM1) 1. Pertanian, Perburuan dan Kehutanan 2. Perikanan 3. Pertambangan dan Penggalian 4. Industri Pengolahan 5. Listrik, Gas dan Air 6. Konstruksi 7. Perdagangan Besar dan Eceran 8. Penyediaan Akomodasi dan Penyediaan Makan Minum

354.908

410.442

502.796

633.945

737.385 790.279

810.816 835.784 850.569 869.913 879.731

893.425

906.545 926.782 920.038 938.365

975.161

990.190

-

-

-

-

-

-

-

-

-

-

-

-

-

- 16.447 16.922 2.086 2.088 3.117 3.219 - 41.421 42.166 1.156 1.173 - 19.299 20.095 - 160.407 162.038 7.005 7.128

18.417 2.216 3.563 44.186 1.083 20.746 170.695 7.681

17.183 2.160 3.200 43.332 1.027 20.364 164.366 7.504

9. Transportasi, Pergudangan dan Komunikasi 10. Perantara Keuangan 11. Real Estate, Usaha Persewaan, dan Jasa Perusahaan 12. Administrasi Pemerintahan, Pertahanan, dan Jaminan Sosial Wajib 13. Jasa Pendidikan 14. Jasa Kesehatan dan Kegiatan Sosial 15. Jasa Kemasyarakatan, Sosial Budaya, Hiburan dan Perorangan Lainnya 16. Jasa Perorangan yang Melayani Rumah Tangga 17. Badan Internasional dan Badan Ekstra Internasional Lainnya 18. Kegiatan yang Belum Jelas Batasannya 19. Penerima Kredit Bukan Lapangan Usaha 20 Tidak Teridentifikasi

-

-

-

-

-

-

-

-

-

-

-

-

-

-

12.733

12.845

13.703

13.132

-

-

-

-

-

-

-

-

-

-

-

-

-

-

6.254 20.256

7.053 12.217

7.661 20.416

7.598 19.495

-

-

-

-

-

-

-

-

-

-

-

-

-

-

195

178

260

254

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1.214 2.555

1.225 2.535

1.277 2.643

1.182 2.600

-

-

-

-

-

-

-

-

-

-

-

-

-

-

19.983

20.368

20.490

20.929

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1.209

1.267

1.278

1.217

-

-

-

-

-

-

-

-

-

-

-

-

-

-

88

95

130

1.300

-

-

-

-

-

-

-

-

-

-

-

-

-

-

44.923

47.225

55.311

56.314

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

324

7.953

3

4

-

-

-

-

-

-

-

-

-

-

-

-

-

- 360.673 367.790

391.759

383.161

MKM 1. Pertanian 2. Pertambangan 3. Perindustrian 4. Listrik 5. Konstruksi 6. Perdagangan 7. Pengangkutan 8. Jasa Dunia Usaha 9. Jasa Sosial 10. Lain-lain

Jumlah

Apr

Ket: lihat penjelasan hal. iv * Sementara 1) Sejak Januari 2011 menggunakan angka berdasarkan nilai wajar

154

Mei

Jun

Jul

Okt

Nov

Jan

Des

Apr 1. 2. 3. 4. 5. 6. 7. 8. 9. 10.

Agriculture Mining Manufacturing Electricity Construction Trading Transportation Business Services Social Services Others Total

1. 2. 3. 4. 5. 6. 7. 8.

Agriculture, hunting, and forestry Fishery Mining and quarrying Processing industry Electricity, gas and water Construction Wholesale and retail trade Provision of accommodation and the provision of eating and drinking 9. Transportation, warehousing and communications 10. Financial intermediaries 11. Real estate, Business Ownership, and Business Services 12. Government administration, defense and compulsory social security 13. Education services 14. Health services and social activities 15. Social services, social, cultural, entertainment and other individual 16. Individual services which serve households 17. International agencies and other International extra intitutions 18. Business activities are not clearly defined 19. Debtor is not the business field - other 20. Un-identified Total

Note: see explanation page iv * Provisional 1) since January 2011, micro, small & medium credit are presented according to the fair value



Tabel 4.30 Kredit MKM dan UMKMMenurut Jenis Penggunaan (MKM Credit and SMEs Credit Based on Type of Use) Miliar Rp (Billion Rp) Jenis Penggunaan

2 0 1 0*)

2011

Type of Use

2005 2006 2007 2008

2009

142.633 171.118 204.765 247.442

279.264 293.068 298.053 313.167 317.244 341.675 337.936 340.147 346.006 353.218 340.589 349.389 363.729 368.724

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

MKM Total Modal Kerja Total Investasi

33.049

37.147

44.578

54.209

63.762 69.865

69.731 82.872

84.759

79.803

79.795

82.027 82.627

84.590 87.257

89.079

92.262 94.959

Total Working Capital Total Investment

Total Konsumsi

179.225 202.177 253.453 332.294

394.359 427.347 443.032 439.745 448.565 448.435 462.001 471.250 477.912 488.974 492.191 499.897 519.170 526.507

Total Consumption

Jumlah

354.908 410.442 502.796 633.945

737.385 790.279 810.816 835.784 850.569 869.913 879.731 893.425 906.545 926.782 920.038 938.365 975.161 990.190

Total

UMKM1) Total Modal Kerja

-

-

-

-

-

-

-

-

-

-

-

-

-

- 282.705 287.275 306.949 299.448


Total Investasi

-

-

-

-

-

-

-

-

-

-

-

-

-

- 77.960

Total Invtestment

Total Konsumsi

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Total Consumption

Tidak Teridentifikasi

-

-

-

-

-

-

-

-

-

-

-

-

-

-

8

173

3

0

Un-identified

-

-

-

-

-

-

-

-

-

-

-

-

-

- 360.673 367.790 391.759 383.161

Jumlah


80.342

84.808 83.713

Total


155



Tabel 4.31 Kredit MKM dan UMKM Menurut Kelompok Bank (MKM Credit & SMEs Credit Based on Group of Bank) Miliar Rp (Billion Rp) Kelompok Bank

2 0 1 0*) 2005 2006 2007 2008

2011

2009 Apr

Mei

Jun

Jul

Ags

Sep

Okt

Des

Nov

Jan

Feb

Mar

Apr

337.020

Category of Bank

MKM 360.995

365.643


87.655 107.675 113.880 116.354 119.332 120.995 123.565 123.957

125.957 127.218

126.561 128.710

131.144 133.920

136.960

2. Regional Development

3. Bank Swasta Nasional 176.421 195.326 238.211 290.731 315.369 334.688 344.131 358.363 366.936 376.032 382.406

388.718 395.918

404.986 410.820

420.946 430.063

435.475

3. Foreign Exchange

1. Bank Persero 2. BPD

122.189 144.935 176.740 230.152 285.134 294.964 300.551 306.786 311.415 318.488 321.090 324.973 334.095 343.990 334.667 42.462

52.859

67.774

Banks Commercial Banks 4. Bank Asing dan

13.836

17.322

20.073

25.406

29.208 46.746

49.780

51.303

51.222

51.828

52.278

53.777

49.314

51.246

45.841

49.254

50.184

52.113

4. Joint Venture Banks and Foreign Owned

Campuran

Banks) Jumlah

354.908 410.442 502.796 633.945 737.385 790.279 810.816 835.784 850.569 869.913 879.731

893.425 906.545

926.782 920.038

938.365 975.161

990.190

164.829 186.447

175.768

Total

UMKM1) 1. Bank Persero

-

-

-

-

-

-

-

-

-

-

-

-

-

- 163.252

2. BPD

-

-

-

-

-

-

-

-

-

-

-

-

-

-


-

-

-

-

-

-

-

-

-

-

-

-

-

- 159.151

4. Bank Asing dan

-

-

-

-

-

-

-

-

-

-

-

-

-

-

30.143

31.330

31.771

31.832

163.871 166.331

167.136

1. State Owned Banks 2. Regional Development Banks 3. Foreign Exchange Commercial Banks

8.127

7.760

7.210

8.426

4. Joint Venture Banks and Foreign Owned

Campuran

Banks) Jumlah

-

-

-

-

-


156

-

-

-

-

-

-

-

-

- 360.673

367.790 391.759

383.161

Total




Tabel 4.32 Kredit MKM dan UMKM Menurut Lokasi Proyek Per Daerah Tingkat I (MKM Credit and SMEs Credit based on Project Location) Miliar Rp (Billion Rp) 2010 Lokasi MKM Jawa Barat Banten DKI Jakarta D.I. Yogyakarta Jawa Tengah Jawa Timur Bengkulu Jambi Nanggroe Aceh Darussalam Sumatera Utara Sumatera Barat Riau Kep. Riau Sumatera Selatan Bangka-Belitung Lampung Kalimantan Selatan Kalimantan Barat Kalimantan Timur Kalimantan Tengah Sulawesi Tengah Sulawesi Selatan Sulawesi Utara Sulawesi Tenggara Sulawesi Barat Gorontalo Nusa Tenggara Barat Bali Nusa Tenggara Timur Maluku Papua Maluku Utara Irian Jaya Barat Lainnya Total

2005 2006 2007 2008

71.749 85.170 4.729 33.047 44.009 1.623 3.250 3.338 18.564 5.948 11.736 7.616 5.269 4.635 4.232 7.671 1.525 2.958 12.156 4.785 1.590 3.259 8.797 2.479 824 2.407 497 1.046

81.153 97.807 5.345 38.186 49.836 2.080 3.904 4.438 21.270 6.920 14.449 9.386 6.552 5.257 4.961 9.003 1.818 3.415 14.467 5.565 1.965 3.912 9.708 3.271 1.080 3.127 647 920

77.588 21.447 114.979 6.421 46.220 60.790 2.956 5.409 6.249 26.192 8.899 12.171 10.234 6.041 1.229 8.315 6.589 6.149 11.194 2.544 4.356 17.186 5.950 1.061 1.380 2.755 4.892 11.537 4.282 1.457 3.149 818 1.129 1.227

97.334 29.250 136.823 7.843 56.964 74.109 4.312 7.604 9.080 34.076 11.593 16.681 14.006 7.566 1.740 10.759 8.795 7.669 13.959 3.522 5.609 22.143 8.214 1.780 2.022 3.873 6.310 14.532 5.558 2.161 4.376 1.228 1.486 967

2011

2009

112.595 30.899 155.459 8.956 64.538 85.526 5.291 9.018 12.045 39.380 13.629 19.799 17.995 8.419 2.247 13.052 10.434 9.440 16.303 4.731 6.795 26.785 9.676 1.805 3.002 4.716 7.664 17.115 6.808 2.857 5.620 1.646 2.043 1.097

Location Apr

Mei

Jun

118.196 33.530 183.010 9.234 66.990 89.214 5.358 8.982 12.854 41.450 14.757 20.589 19.032 8.013 2.427 13.640 10.915 10.024 17.485 4.959 7.153 28.166 11.753 592 1.339 4.737 8.280 18.041 6.916 3.039 6.221 1.540 999 845

119.012 33.916 192.188 9.461 68.215 90.553 5.731 9.151 13.171 42.217 14.982 21.337 19.704 8.194 2.439 13.690 11.146 10.283 17.775 5.134 7.371 28.700 12.250 703 1.160 4.850 8.549 18.258 7.351 3.208 6.363 1.582 1.205 967

127.201 36.084 191.264 9.705 70.561 93.733 6.010 9.513 13.604 42.712 15.688 22.095 20.305 7.893 2.560 14.352 11.694 10.616 18.644 5.429 7.738 29.706 12.653 1.040 1.265 5.024 8.920 18.689 7.601 3.254 6.594 1.611 1.248 779

Jul 126.001 36.902 210.669 9.597 68.832 92.603 5.669 9.340 13.459 43.088 15.529 22.094 20.271 8.564 2.548 14.424 11.544 10.603 18.737 5.366 7.323 29.402 12.332 912 1.175 4.759 8.687 18.589 7.330 3.163 6.332 1.585 1.580 1.559

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

128.879 38.171 211.389 9.824 70.310 95.413 5.780 9.544 13.810 43.974 15.865 22.643 21.186 9.062 2.608 14.622 11.930 10.945 19.602 5.525 7.424 30.152 12.720 1.561 1.171 5.084 8.919 18.969 7.472 3.310 6.537 1.682 2.075 1.755

131.181 38.846 205.189 10.121 72.773 97.381 5.931 9.866 14.026 44.728 16.257 22.265 21.569 9.985 2.710 14.929 12.199 11.202 19.827 5.707 7.961 30.749 13.109 2.035 1.298 5.367 9.173 19.527 7.815 3.464 6.738 1.771 2.294 1.737

131.630 39.453 216.763 10.147 72.751 97.338 5.940 9.875 14.156 44.648 16.201 22.951 21.823 9.451 2.749 14.825 12.208 11.292 19.859 5.727 7.911 31.034 13.186 2.086 1.284 5.429 9.128 19.643 7.826 3.601 6.818 1.852 2.333 1.509

128.613 39.364 255.696 9.732 68.040 93.595 5.596 9.393 13.731 43.665 15.652 22.626 21.299 9.107 2.654 14.325 11.867 11.085 19.553 5.331 6.961 28.419 12.362 2.473 1.087 4.801 8.489 19.231 6.959 3.273 6.377 1.749 1.552 1.886

129.981 43.277 266.146 9.837 68.762 95.098 5.633 9.483 14.069 43.171 15.858 22.881 20.834 9.258 2.695 14.583 11.881 11.391 19.660 5.418 6.969 29.859 12.510 1.350 1.078 4.859 8.520 19.595 6.865 3.250 6.330 1.773 1.548 2.362

128.291 42.405 262.550 9.959 68.205 94.515 5.657 9.439 14.298 43.566 16.009 23.055 20.772 9.274 2.675 14.831 11.879 11.332 19.309 5.374 6.850 29.754 10.681 1.387 2.872 4.772 8.519 19.656 6.782 3.231 6.160 1.801 1.491 2.687

140.166 42.424 195.403 10.930 77.976 105.552 6.632 11.016 16.086 47.681 18.091 24.801 23.534 10.171 2.962 16.460 13.290 12.417 21.133 6.223 8.813 33.698 12.820 2.408 3.585 6.149 10.012 21.452 8.079 3.888 7.486 2.069 2.385 12.572

144.889 43.386 200.516 11.289 81.557 109.624 6.977 11.555 16.938 49.239 18.981 25.725 24.526 10.458 3.080 17.106 14.122 12.944 21.938 6.609 9.426 35.500 13.526 2.570 3.728 6.595 10.623 22.373 8.556 4.201 7.892 2.340 2.767 13.605

147.848 42.581 201.703 11.550 83.535 113.590 7.349 12.035 17.494 50.385 19.680 26.466 25.233 10.691 2.938 17.774 14.338 13.364 22.421 6.790 9.639 36.612 13.897 2.702 3.656 6.816 10.894 22.829 8.757 4.241 8.004 2.454 2.871 9.051

Jawa Barat Banten DKI Jakarta D.I. Yogyakarta Jawa Tengah Jawa Timur Bengkulu Jambi Nanggroe Aceh Darussalam Sumatera Utara Sumatera Barat Riau Kep. Riau Sumatera Selatan Bangka-Belitung Lampung Kalimantan Selatan Kalimantan Barat Kalimantan Timur Kalimantan Tengah Sulawesi Tengah Sulawesi Selatan Sulawesi Utara Sulawesi Tenggara Sulawesi Barat Gorontalo Nusa Tenggara Barat Bali Nusa Tenggara Timur Maluku Papua Maluku Utara Irian Jaya Barat Others

354.908 410.442 502.796 633.945 737.385 790.279 810.816 835.784 850.569 869.913 879.731 893.425 906.545 926.782 920.038 938.365 975.161 990.190 Total

Ket: lihat penjelasan hal. iv * Sementara

Note: see explanation page iv * Provisional

157



Tabel 4.32 Kredit MKM dan UMKM Menurut Lokasi Proyek Per Daerah Tingkat I (MKM Credit and SMEs Credit based on Project Location) Miliar Rp (Billion Rp) 2 0 1 0*) Lokasi

2005 2006 2007 2008

Location Apr

UMKM1) Jawa Barat Banten DKI Jakarta D.I. Yogyakarta Jawa Tengah Jawa Timur Bengkulu Jambi Nanggroe Aceh Darussalam Sumatera Utara Sumatera Barat Riau Kep. Riau Sumatera Selatan Bangka-Belitung Lampung Kalimantan Selatan Kalimantan Barat Kalimantan Timur Kalimantan Tengah Sulawesi Tengah Sulawesi Selatan Sulawesi Utara Sulawesi Tenggara Sulawesi Barat Gorontalo Nusa Tenggara Barat Bali Nusa Tenggara Timur Maluku Papua Maluku Utara Irian Jaya Barat Lainnya Tidak Teridentifikasi

-

-

-

-

-

Total Ket: lihat penjelasan hal. iv * Sementara 1) Sejak Januari 2011 menggunakan angka berdasarkan nilai wajar

158

2011

2009 Mei

Jun

Jul

Ags

-

-

-

-

-

-

-

-

Sep -

Okt -

Des

Nov -

-

Jan -

37.990 12.434 100.015 3.465 27.550 47.791 1.872 4.089 4.017 18.632 5.643 9.571 7.675 3.244 1.292 6.397 4.046 3.904 13.348 1.920 3.230 12.623 3.726 536 1.050 1.479 2.197 8.886 1.858 1.117 2.630 629 849 185 4.786

Feb 43.679 12.932 72.737 4.065 33.363 53.387 2.118 4.578 4.630 21.113 6.466 10.548 8.904 3.540 1.448 7.052 4.665 4.502 14.223 2.308 3.661 14.125 4.319 961 1.199 1.726 2.505 9.787 2.047 1.244 3.151 729 1.243 169 4.665

Mar 46.794 13.450 75.277 4.431 36.277 56.271 2.274 4.970 5.004 22.598 7.009 11.290 9.377 3.713 1.532 7.438 5.155 4.990 15.208 2.571 3.917 14.877 4.978 1.048 1.156 2.081 2.729 10.584 2.159 1.408 3.538 809 1.471 183 5.194

Apr 46.316 12.910 72.485 4.497 36.637 55.131 2.262 5.412 5.080 22.432 7.086 11.316 9.361 3.553 1.398 7.389 5.332 4.770 15.085 2.579 3.760 14.600 4.959 1.075 1.136 2.093 2.760 10.817 2.172 1.452 3.557 885 1.427 167 1.270

Jawa Barat Banten DKI Jakarta D.I. Yogyakarta Jawa Tengah Jawa Timur Bengkulu Jambi Nanggroe Aceh Darussalam Sumatera Utara Sumatera Barat Riau Kep. Riau Sumatera Selatan Bangka-Belitung Lampung Kalimantan Selatan Kalimantan Barat Kalimantan Timur Kalimantan Tengah Sulawesi Tengah Sulawesi Selatan Sulawesi Utara Sulawesi Tenggara Sulawesi Barat Gorontalo Nusa Tenggara Barat Bali Nusa Tenggara Timur Maluku Papua Maluku Utara Irian Jaya Barat Others Un-identified

- 360.673 367.790 391.759 383.161 Total Note: see explanation page iv * Provisional 1) since January 2011, micro, small & medium credit are presented according to the fair value



Tabel 4.33 Rincian Kredit MKM dan UMKM Menurut Kelompok Bank (Detail of MKM Credit and Detail of SMEs Credit based on Group of Bank) Miliar Rp (Billion Rp) Kelompok Bank MKM 1. Bank Persero Mikro Kecil Menengah 2. BPD

2 0 1 0*) 2005 2006 2007 2008

2009

2011

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

294.964 101.313 116.663 76.989 113.880

318.488 107.636 129.926 80.926 123.565

321.090 107.306 131.839 81.945 123.957

-

-

-

230.152 99.483 71.190 59.479 87.655

285.134 114.355 98.306 72.474 107.675

300.551 102.428 120.024 78.099 116.354

306.786 104.889 122.416 79.481 119.332

311.415 106.185 125.812 79.418 120.995

324.973 107.537 135.149 82.287 125.957

334.095 109.321 139.642 85.133 127.218

343.990 110.715 144.647 88.629 126.561

334.667 107.130 141.985 85.552 128.710

337.020 105.935 144.489 86.597 131.144

360.995 115.709 155.302 89.984 133.920

365.643 116.152 158.897 90.594 136.960


-

-

-

39.019 43.377 5.258 290.731 65.411 96.410 128.911 25.406

38.657 38.525 38.707 61.922 67.982 70.144 7.503 7.095 7.373 315.369 334.688 344.131 70.346 70.656 72.760 110.221 122.317 125.853 134.802 141.715 145.517 29.208 46.746 49.780

38.666 72.708 7.959 358.363 74.455 131.287 152.622 51.303

38.560 38.855 38.420 38.281 74.160 76.092 76.823 78.696 8.275 8.618 8.715 8.980 366.936 376.032 382.406 388.718 77.201 77.270 80.014 80.811 135.059 139.762 141.933 145.435 154.677 159.000 160.458 162.472 51.222 51.828 52.278 53.777

38.183 79.905 9.130 395.918 81.014 148.436 166.468 49.314

37.484 37.384 80.667 83.494 8.409 7.832 404.986 410.820 83.332 83.960 150.890 154.666 170.764 172.194 51.246 45.841

37.242 85.930 7.972 420.946 86.565 157.835 176.547 49.254

37.255 88.301 8.363 430.063 87.715 161.377 180.970 50.184

36.775 91.617 8.568 435.475 86.870 164.039 184.565 52.113

-

-

-

12.211 3.227 9.968

30.510 5.575 10.662

33.785 5.639 10.355

35.001 5.601 10.701

30.099 5.929 9.813

34.407 5.464 9.383

34.927 5.612 9.645

36.086 5.846 10.181

Jumlah

-

-

-

633.945

737.385 790.279 810.816

835.784

UMKM1) 1. Bank Persero Mikro Kecil Menengah 2. BPD

-

-

-

-

-

-

-

-

-

-

-


-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Jumlah

-

-

-

-

-

-

-

-

-

12.004 4.857 12.347


35.837 5.653 9.732

34.207 6.002 11.619

34.780 6.031 11.466

36.086 6.101 11.590

31.031 6.225 12.058

850.569 869.913 879.731 893.425

906.545

926.782 920.038

938.365

975.161

990.190

-

-

- 163.252 - 41.010 - 80.448 - 41.794 - 30.143

164.829 41.429 81.084 42.316 31.330

186.447 50.034 92.499 43.914 31.771

175.768 48.314 86.415 41.038 31.832

-

-

-

3.466 - 17.545 9.133 - 159.151 - 22.790 - 29.986 - 106.375 8.127

3.508 18.216 9.606 163.871 23.958 31.227 108.685 7.760

3.759 18.237 9.775 166.331 23.612 32.049 110.669 7.210

3.872 17.960 10.000 167.136 24.214 32.492 110.430 8.426

-

-

-

-

-

506 899 6.723

383 692 6.685

380 671 6.159

379 650 7.397

-

-

-

-

- 360.673

367.790

391.759

383.161

32.644 6.248 12.354

Category of Bank MKM 1. State Owned Banks Micro Small Medium 2. Regional Development Banks Micro Small Medium 3. Commercial Banks Micro Small Medium 4. Foreign Owned Banks and Joint Venture Banks Micro Small Medium Total UMKM1) 1. State Owned Banks Micro Small Medium 2. Regional Development Banks Micro Small Medium 3. Commercial Banks Micro Small Medium 4. Foreign Owned Banks and Joint Venture Banks Micro Small Medium Total


159

KA TA PENGANT AR KAT PENGANTAR

GRAFIK


159

Gr afik 1. Kredit dan NPL K elompok Bank Grafik Kelompok April 2011

Asing Campuran BPD BUSN Non Devisa BUSN Devisa Persero 0

100.000 200.000 300.000 400.000 500.000 600.000 700.000 800.000 Kredit

Kredit, Miliar Rp

NPL

Gr afik 2. Dana Pihak K etiga dan Grafik Ketiga SBI K elompok Bank April 2011 Kelompok Miliar Rp 1.200.000 1.000.000 800.000 600.000 400.000 200.000 0 Persero

BUSN Devisa

BUSN Non Devisa DPK

160


BPD SBI

Campuran

Asing

Gr afik 3. P endapatan dan Beban Oper asional Grafik Pendapatan Operasional Kelompok Bank April 2011 60000 50000 40000 30000 20000 10000 0 Kelompok Persero Bank

BUSN Devisa

BUSN Non Devisa

BPD

Campuran

Asing

Seri es 1 Seri es 2

Gr afik 4. P embia yaan, DPK dan Aset P erbankan Sy ariah Grafik Pembia embiay Perbankan Syariah April 2011 Miliar Rp

100.000 80.000 60.000 40.000 20.000 0 Pembiayaan

DPK BUS

Aset

UUS


161

CLAR

Gr afik 5. K olektibilitas Kredit BPR April 2011 Grafik Kolektibilitas

2%1% 3%

94%

Lancar

Kurang Lancar

Diragukan

Macet

Gr afik 6. Kredit MKM K elompok Bank Grafik Kelompok April 2011

39% 46%

15%

Persero

162


BUSN

BPD

INDONESIAN BANKING STATISTICS

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