INDONESIAN BANKING STATISTICS

VOL: 9 No. 1 DESEMBER 2010 BULANAN

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 2010, SPI disempurnakan dengan penambahan data baru

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

yaitu Kredit Berdasarkan Nilai yang menyajikan nilai

the addition of new data that is credit based on the

nominal kredit dan nilai wajar kredit

value, consist of the nominal of credit and fair value

Dengan penyempurnaan SPI ini, kami berharap agar data yang disajikan lebih memberikan

of credit. We sincerely hope that the data provided in

manfaat yang optimal bagi pembaca.

the SPI will be of optimum benefits to our readers.

Jakarta,

Jakarta,

Februari 2011

BANK INDONESIA Direktorat Perizinan dan Informasi Perbankan

ii

Statistik Perbankan Indonesia, Vol. 9, No. 1, Desember 2010

February 2011

BANK INDONESIA Directorate of Bank Licensing and Information

HALAMAN KETERANGAN

PAGE OF REFERENCE

Jadwal Publikasi Kedepan Edisi Desember 2010 akan diterbitkan pada minggu ke III bulan Februari 2011.

Advance Release Calender (ARC) December 2010 edition will be released on the 3rd week of February 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. 1, December 2010

iii

DAFT AR ISI AFTAR

KATA PENGANTAR

TABLE OF CONTENT

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

•

Starting in January 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

Data on Micro, Small, Medium Scale Business

dengan cakupan kredit pada publikasi SEKI.

credit in this book mean: micro credit is credit

Mulai bulan Januari 2010 data kredit MKM

with ceiling Rp 0 up to Rp 50 million, Small

sementara disajikan menurut nilai nominal

credit is credit with ceiling Rp 50 million up

yaitu nilai yang tercantum dalam surat

to Rp 500 million, and Medium credit is credit

berharga atau kontrak yang diperjanjikan.

is with ceiling Rp 500 million up to Rp 5

Cakupan kredit MKM adalah: kredit mikro

billion. Credit Data on Micro, Small, Medium

yakni kredit dengan plafon 0 sampai dengan

Scale Business credit does not include data

maksimum Rp50 juta, kredit kecil yakni kredit

regarding credit cards or credits disbursed by

dengan plafon lebih dari Rp50 juta sampai

Rural Banks. The data related to the

dengan maksimum Rp500 juta, dan kredit

infomartion above is presented in the

menengah yakni kredit dengan plafon lebih

performance data tables Micro Small,

dari Rp500 juta sampai dengan maksimum

Medium Credit based on group of bank,


PENJELASAN


Rp5 miliar. Data kredit MKM tidak mencakup

Micro Small, Medium Credit based on type

data kartu kredit dan kredit yang disalurkan

of use, Micro Small, Medium Credit based

oleh BPR. Data yang terkait dengan

on project location, Micro Small, Medium

penjelasan tersebut di atas ditujukan untuk

Credit based on economic sector.

data dalam tabel kredit MKM menurut

•

•

kelompok bank, kredit MKM menurut jenis

Bank Credit based on Bank relationship mean

penggunaan, kredit MKM berdasarkan lokasi

status related bank and the party which

proyek per provinsi, dan kredit MKM

transaction with bank.

berdasarkan sektor ekonomi.

-

Related party is any individual or

Yang dimaksud dengan Hubungan Dengan

company/entity exercising control over

Bank pada tabel Kredit Bank Umum

the bank, whether directly or indirectly,

Berdasarkan Hubungan dengan Bank adalah

through ownership, management, and/

status keterikatan antara bank dengan pihak

or financial relation.

yang melakukan transaksi dengan bank. -

hubungan dengan pengendalian bank,

-

-

Pihak terkait adalah perseorangan atau perusahaan/badan yang mempunyai

•

Bank Relationship on the table Commercial

Not related party is other party excluding related party as mention above.

•

Credit withdrawn by credit card

5. Non-Performing Loan Data

baik secara langsung maupun tidak

Non-performing loan data is show as the gross

langsung, melalui hubungan dengan

non-performing loan, that is, without taking into

kepemilikan, kepengurusan dan atau

account the reserve formed in anticipation of the

keuangan.

risk of losses.

Pihak tidak terkait adalah pihak-pihak

Non-performing loan data is show in nominal and

yang tidak termasuk pada pihak terkait

percentage figures.

dengan bank sebagaimana tersebut di

Data related to the information above is shown

atas.

as figures in the earning assets table; and NPL.

Yang dimaksud dengan Kredit yang

6. Data regarding money instruments in the funds

penarikannya menggunakan kartu adalah

disbursement account.

pemberian fasilitas kredit yang penarikannya

Data regarding money instruments includes

dilakukan dengan kartu kredit.

money instruments that are issued by a non-bank

5. Data Non Performing Loan

third party. The data does not calculate bonds

Data Non Performing Loan yang ditampilkan

from a recapitalization program issued by the

merupakan Non Performing Loan Gross, yakni

Government.

tanpa memperhitungkan penyisihan yang

The data mentioned above is displayed in the

dibentuk untuk mengantisipasi risiko kerugian.

business operations table.

Data Non Performing ditampilkan dalam nominal dan persentase. Data yang terkait dengan penjelasan tersebut di

7. The table displays the weighted-average of interest rates. 8. Estimates of Additional Paid-In Capital

atas ditujukan untuk data dalam tabel aktiva

The estimates are derived from the agio account;

produktif; dan NPL.

capital contributions; and adjustments resulting


vii

PENJELASAN 6. Data Surat Berharga dalam pos penyaluran dana Data surat berharga yang ditampilkan merupakan surat berharga yang diterbitkan oleh pihak ketiga bukan bank. Data yang ditampilkan tidak memperhitungkan obligasi dalam rangka program

from the conversion of overseas branch office financial reports. 9. The data of time deposit can not be displayed temporary. 10. Estimates of Reserves

rekapitalisasi yang diterbitkan oleh Pemerintah.

The estimates are derived from the general

Data yang terkait dengan penjelasan tersebut

reserve, designated reserves and retained

ditujukan untuk data dalam tabel kegiatan usaha.

earnings accounts.

7. Data suku bunga menggunakan suku bunga ratarata tertimbang 8. Perkiraan Tambahan Modal Disetor

11. Data downloading process •

Data from the Commercial Bank Monthly Reports and the sharia Bank Monthly Reports

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

is submitted by the reporting banks to Bank

dan penyesuaian akibat penjabaran laporan

Indonesia, and is processed using the Bank

keuangan kantor cabang di luar negeri.

Indonesia Banking Sector Management

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

Information System. The time taken to download data from Banking Information System can result in variations of the data

Terdiri dari pos Cadangan umum; Cadangan

that is published in this book, compared to

tujuan; dan Laba yang ditahan.

other published data. Therefore, readers are

11. Proses Download Data •

recommended to taken into account the

Data Laporan Bulanan Bank Umum (LBU) dan

downloading time.

Laporan Bulanan Bank Umum Syariah (LBUS)

The processing of the December 2010

yang disampaikan dari bank pelapor kepada

monthly reports for the December 2010

Bank Indonesia, diolah melalui Sistem

edition of the Indonesian Banking Statistics

Informasi Perbankan (SIP). Perbedaan waktu

was done on 31 January 2011.

download data LBU melalui SIP dapat

12. The Indonesian Bank Statistics Book is also

menyebabkan perbedaan pada data yang

published via the Bank Indonesia website

dipublikasikan ini dengan data publikasi yang

(www.bi.go.id).

lain. Oleh sebab itu, pembaca dihimbau untuk memperhatikan waktu download data. Pemrosesan data bulan laporan Desember 2010 untuk Publikasi Statistik Perbankan Indonesia Edisi Desember 2010 dilakukan pada tanggal 31 Januari 2011. 12. Publikasi Statistik Perbankan Indonesia juga dilakukan melalui website Bank Indonesia (www.bi.go.id).

viii



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

(SMEs) NOM

: Net Operating Margin

FDR

: Financing to Deposit Ratio


ix

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

Assets

: Terdiri dari :

Call Money BI

x

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


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

risk

for

the

credit

administratif (off-balance sheet)


xi

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.

xii


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

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


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


xiii

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

xiv

= 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)

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)

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


xv

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

xvi


DAFT AR TABEL / LIST OF TABLES AFTAR

Judul Topic

No.

No. Tabel Tables

e. NPL Kredit yang penarikannya menggunakan kartu

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


xvii

Judul Topic

No.

18. Komposisi DPK Perbankan Syariah

No. Tabel Tables

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

xviii


Judul Topic

No.

No. Tabel Tables

30. Suku Bunga Rata-rata DPK BPR

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


xix

Halaman ini sengaja dikosongkan

xx


DATA

Statistik Perbankan Indonesia - Vol. 9, No. 1, Desember 2010

Indonesian Banking Statistics - Vol. 9, No. 1, December 2010

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

2009 2005 2006 2007 2008 2009

2010 Indicator Jan

Penyaluran Dana Bank Umum Bank Perkreditan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

1.140.278 1.380.373 2.015.221 2.015.221 2.282.179 2.251.588 2.271.026 2.302.989 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 18.096 21.904 26.549 31.313 36.076 36.397 36.927 37.543 38.057 38.559 39.143 39.742 39.950 41.050 42.072 42.818 43.877 54.256

SBI dan SBIS 1

179.045

166.518

166.518

212.116

241.124

237.447

221.523

255.436

253.599

224.264

190.540

208.727

176.265

147.313

142.583

139.316

Distribution of Funds Commercial Banks Rural Banks SBI dan SBIS 1

Sumber Dana Bank Umum Bank Perkreditan Rakyat

1.283.480 1.468.369 1.990.345 1.990.345 2.180.934 2.126.308 2.123.587 2.177.135 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 15.453 18.733 22.629 26.345 30.367 30.736 31.296 31.828 32.346 32.731 33.130 33.588 33.727 34.676 35.439 36.038 37.034

Source of Funds Commercial Banks Rural Banks

Jumlah Aset Bank Umum Bank Perkreditan Rakyat

1.469.827 1.693.850 1.986.501 2.310.557 2.534.106 2.502.016 2.517.014 2.563.662 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 20.393 23.045 27.741 32.533 37.554 37.891 38.482 39.039 39.489 40.105 40.725 41.409 41.714 42.832 44.165 44.726 45.742

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

121 1.735

121 1.718

121 1.718

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

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

12.870 3.663

12.914 3.671

12.933 3.718

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

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) 2009 Indikator

Indicator Jan

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

2010

2005 2006 2007 2008 2009

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

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

792.297 1.002.012 1.307.688 1.437.930 1.405.640 1.428.788 1.456.114 1.486.329 1.531.556 1.586.492 1.597.980 1.640.430 1.659.145 1.675.633 1.706.403 638.500 791.605 1.054.289 1.228.656 1.205.660 1.229.309 1.257.292 1.282.638 1.315.558 1.360.502 1.371.209 1.403.466 1.419.454 1.430.904 1.446.675 199.980 199.479 198.822 203.691 215.998 225.990 226.771 236.964 239.690 244.729 259.728 153.798 210.407 253.399 209.273 246.537 255.926 264.922 262.695 246.635 252.919 258.274 265.798 256.231 244.701 231.776 156.906 139.777 213.779 261.474 37.092 47.539 46.468 49.353 51.990 50.163 45.298 49.309 48.070 43.375 39.910 68.086 9.051 11.562 40.318 124.783 130.934 130.631 126.804 106.302 112.206 123.302 128.711 114.633 106.076 96.943 83.314 58.717 81.435 110.883 24.402 24.017 26.939 27.136 26.494 24.452 24.680 24.387 30.573 29.953 28.509 20.746 20.086 12.435 20.436 60.259 53.436 60.884 59.403 61.849 66.098 64.993 63.392 62.956 65.298 66.414 61.758 44.455 57.064 71.589 420.821 405.479 403.375 413.164 398.368 424.208 414.492 373.982 409.141 466.391 479.416 343.455 418.269 322.333 397.897 102.007 110.925 99.370 114.524 97.733 102.947 104.754 99.224 100.705 100.995 158.453 125.791 167.566 83.927 101.364 241.124 237.447 221.523 255.436 253.599 224.264 190.540 208.727 176.265 147.313 142.583 179.045 203.863 166.518 212.116 67.003 48.163 60.933 35.685 37.091 78.623 100.850 54.258 111.322 192.473 149.536 60.758 21.216 35.727 49.799 10.686 8.945 21.549 7.518 9.945 18.375 18.348 11.773 20.848 25.609 28.845 23.659 17.403 11.114 22.090 128.161 127.333 122.869 119.541 128.186 124.581 122.364 127.029 131.131 128.784 148.246 55.988 108.007 113.851 134.960

12.356 43.807

1.127.937 1.287.102 1.510.834 1.753.292 1.973.042 1.948.890 1.931.638 1.982.262 1.980.450 2.013.216 2.096.036 2.082.595 2.092.779 2.144.064 2.173.884 2.212.215 930.160 1.093.445 1.284.797 1.460.443 1.656.625 1.636.900 1.621.246 1.657.988 1.662.536 1.700.476 1.764.407 1.743.268 1.749.539 1.794.305 1.828.594 1.867.085 331.826 317.702 328.774 324.624 337.719 369.940 354.243 347.920 352.122 352.891 366.443 193.854 249.564 309.335 307.743 332.729 760.910 768.730 795.475 802.754 818.060 829.798 817.896 820.089 841.815 869.703 880.661 455.038 510.008 540.982 675.983 758.280 544.164 534.814 533.740 535.158 544.696 564.669 571.130 581.529 600.368 606.001 619.981 281.268 333.873 434.480 476.717 565.616 311.989 310.392 324.273 317.915 312.741 331.629 339.326 343.240 349.759 345.290 345.129 197.777 193.657 226.037 292.849 316.417 132.824 131.621 142.283 137.474 135.961 152.222 152.639 148.448 152.108 144.884 145.493 87.558 88.447 96.216 122.257 133.159 137.870 137.716 139.518 135.083 132.643 133.272 138.289 143.087 144.429 146.679 145.345 109.995 105.155 125.726 148.722 143.429 41.295 41.055 42.472 45.357 44.137 46.136 48.398 51.706 53.223 53.727 54.291 39.829 224 55 4.095 21.870 7.771 7.593 7.449 7.381 6.949 6.991 6.517 6.642 6.336 6.140 6.222 8.028 11.874 10.807 9.105 11.272 113.563 121.948 129.275 139.042 135.337 130.030 140.853 138.110 135.790 133.629 147.221 99.417 119.454 137.790 158.648 134.543 13.662 13.639 12.890 12.474 13.513 15.127 14.270 14.469 14.227 14.170 15.622 14.918 13.411 14.942 17.333 14.301 22.753 25.272 27.734 22.000 24.583 23.780 23.510 24.226 28.668 29.966 25.694 21.553 11.406 12.883 14.319 12.949 13.540 13.630 14.419 14.579 14.512 15.246 15.514 16.908 14.529 16.700 16.835 13.131 8.508 7.023 8.023 8.395 9.213 11.642 13.315 7.421 10.071 8.534 7.997 7.317 14.139 13.266 8.859 8.422 2.898 5.860 6.296 4.554 15.076 19.108 13.426 13.641 15.072 12.726 14.119 13.380 13.068 12.929 14.205 22.874 16.192 19.913 24.893 34.663 4.594 4.389 4.100 4.291 4.365 4.421 3.888 3.935 4.029 4.026 4.500 5.977 3.242 3.267 4.691 5.220

2.338.824 1.990.518 383.808 928.089 678.621 348.306 152.047 141.723 54.536 6.107 152.746 17.158 29.323 18.304 11.019 14.646 4.757

5.924 25.803

5.620 28.835

6.626 50.944

10.010 39.908

10.744 42.756

10.968 44.741

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

1.765.845 1.492.407 273.438 228.549 41.764 94.116 27.036 65.633 581.901 164.833 139.316 195.431 82.321 133.454

11.281 44.479

6.122 25.586

10.565 39.865

Des

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

96.668 24.078 5.063 100.023 41.040

96.823 24.075 9.528 99.194 40.720

97.819 23.845 15.174 96.470 41.274

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

14.464

14.946

14.863

1.047

1.454

1.209

1.236

948

1.945

1.928

1.986

2.036

1.778

4.781

2.528

4.592

2.955

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 /Loss d. Retained Earnings/Loss e. Estimates of Additional PaidIn Capital f. Loan Capital 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 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)


Indicator

2005 2006 2007 2008 2009 Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

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

529.897 474.772 55.126 80.727 15.567 38.737 7.192 19.231 140.724 42.549 61.160 35.584 1.430 25.709

536.471 480.957 55.514 82.511 22.808 42.487 4.864 12.352 129.919 50.565 53.734 22.156 3.465 28.324

550.334 494.728 55.606 85.039 20.533 38.858 5.576 20.073 96.819 34.604 40.370 5.344 16.500 28.448

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

3.327 13.512

2.872 10.331

1.922 10.372

1.842 14.258

2.000 13.796

2.503 13.822

2.514 15.987

2.561 16.483

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

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

756.125 658.552 129.371 275.632 253.549 97.573 34.205 53.617 9.751 4.452 31.499 5.069 15.778 8.101 7.676 7.110 2.013

731.073 632.814 109.630 275.777 247.407 98.260 35.300 53.205 9.755 4.452 34.968 5.034 18.393 8.065 10.327 10.850 2.000

746.188 644.621 109.282 285.478 249.861 101.567 36.931 54.688 9.948 4.453 33.764 4.982 20.008 8.013 11.995 6.021 2.010

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

27.439 5.933 9.185 -13.528 9.815

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

28.179 12.402 1.691 32.446 15.135

28.179 12.402 3.404 31.825 14.766

28.796 11.987 5.494 31.010 15.162

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

13.844

13.844

13.908

0

0

0

-

-

-

-

-

25

50

2.400

61

78

61

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 /Loss d. Retained Earnings/Loss e. Estimates of Additional Paid-In Capital 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)


2005 2006 2007 2008 2009 Des Jan

Indicator Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

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

540.737 480.342 60.395 69.593 13.953 35.075 6.615 13.950 178.710 41.453 122.521 11.472 3.266 68.946

552.192 491.598 60.594 72.954 15.679 35.511 7.491 14.273 175.930 41.591 123.624 7.815 2.900 67.551

561.354 501.658 59.696 76.459 16.821 37.472 8.340 13.826 187.129 45.468 122.440 16.653 2.569 63.530

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

686.115 605.189 80.926 71.841 14.130 39.136 5.903 12.673 221.276 66.393 68.687 72.705 13.492 82.504

718.639 630.777 87.863 67.057 11.341 36.125 4.662 14.929 248.452 69.835 63.955 89.300 25.363 68.885

2.616 6.427

2.979 8.620

3.613 10.892

4.681 17.401

7.888 14.500

7.925 13.525

8.092 13.700

8.266 14.805

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

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

775.102 661.899 103.673 323.326 234.899 113.203 50.561 46.592 16.050 2.826 37.073 5.132 5.469 3.933 1.537 4.404 1.078

780.580 666.858 106.934 325.582 234.342 113.722 49.376 48.326 16.020 2.578 40.745 5.146 5.268 3.954 1.314 4.572 1.065

789.799 667.725 106.323 330.496 230.907 122.073 56.068 49.094 16.912 2.858 43.677 4.450 6.113 4.792 1.321 4.339 909

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

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

36.821 6.123 1.695 35.487 25.948

36.976 6.123 3.408 35.485 26.032

37.180 6.124 5.301 35.249 26.032

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

155

229

150

0

224

205

200

0

0

0

0

0

0

-

50

2.049

50

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 /Loss d. Retained Earnings/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

Indicator

2005 2006 2007 2008 2009 Jan

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

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

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

35.104 35.104 1.697 91 537 123 946 9.610 2.222 6.000 1.364 24 4.263

36.231 36.231 2.002 96 892 110 904 8.786 2.188 4.890 1.661 48 4.331

37.570 37.570 2.000 84 955 96 865 9.385 2.381 4.134 2.805 66 4.538

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

1 104

52

187

0 61

0 74

5 129

5 59

5 71

5 207

5 167

5 397

4 493

3 451

2 373

1 373

0 371

0 376

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

42.557 42.557 1.742 36.761 4.054 66 1.435 1.021 127 127 102 5

43.049 43.049 1.934 37.007 4.109 130 1.387 1.019 125 125 111 5

44.741 44.741 2.026 38.536 4.179 48 2.069 1.019 123 123 112 5

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

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

4.578 182 56 1.843 120

4.578 182 115 1.840 101

4.618 195 210 1.750 151

4.716 213 283 1.687 174

0 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

64

87

256

459

444

528

331

331

296

998

1.009

1.062

867

448

393

328

281


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

Indicator

2005 2006 2007 2008 2009 Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

122.361 124.765 122.082 124.495 279 270 21.921 23.219 1.324 1.566 7.519 6.641 11.439 12.816 1.640 2.196 40.486 54.391 7.980 8.560 15.642 16.880 14.648 26.918 2.216 2.034 8.322 7.297

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

143.707 143.174 534 29.634 1.299 8.952 15.992 3.391 47.372 16.269 5.411 14.763 10.930 3.359

36 390

36 411

36 421

36 500

36 511

36 428

36 508

36 522

36 600

36 490

164.539 181.181 163.826 180.343 72.769 83.080 53.486 61.258 37.571 36.004 713 838 236 225 463 596 14 17 39 37 6.874 7.273 2.340 2.339 1.486 1.490 1.486 1.490 686 679 359 337

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

183.624 182.685 61.725 67.365 53.595 939 471 450 19 19 14.823 2.126 1.561 1.561 1.781 407

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

120.372 119.875 497 17.726 816 4.944 10.358 1.609 41.162 8.008 12.641 14.940 5.574 8.130

14 9

13 9

34 24

34 341

36 434

37 458

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

160.376 159.626 70.395 49.709 39.522 750 249 494 8 39 7.028 2.340 1.380 1.380 960 441

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

11.610 4.210 940 7.044 43

11.610 4.207 1.583 6.959 40

11.746 4.378 2.443 5.922 84

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

401

331

220

206

372

302

335

280

575

548

224

154

161

205

297

410

615

36 464




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

2010 2005 2006 2007 2008 2009

Jan

Feb

Mar

Apr

Mei

Jun

Indicator

Jul

Ags

Sep

Okt

Nov

Des

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

79.913 45.122 34.791 16.952 4.672 10.263 114 1.903 24.819 3.298 19.407 2.073 42 7.084

80.247 45.665 34.582 16.085 4.726 9.272 114 1.973 24.078 3.889 19.225 956 7 6.394

81.795 47.047 34.748 16.489 4.702 9.710 111 1.966 23.470 3.754 16.535 3.169 12 6.101

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

122 2.321

36 2.328

37 2.523

40 4.727

73 4.117

82 4.747

83 4.952

87 4.756

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

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

94.819 54.025 7.247 42.006 4.772 40.793 14.938 21.615 4.241 0 16.772 99 858 198

92.532 53.874 7.119 42.381 4.374 38.658 13.406 21.050 4.202 0 16.689 99 1.159 172

93.784 55.020 6.621 43.878 4.522 38.763 13.997 20.429 4.337 0 16.316 99 865 206

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

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 1.160 217 9.150 -365

11.650 1.160 374 9.142 -366

11.650 1.160 571 9.108 -323

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

-

456

329

382

329

371

371

371

371

371

700

700

700

1.727

1.727

1.727

1.948


9



Tabel 1.7 Kegiatan Usaha Bank Asing (Foreign Owned Banks Operation) Miliar Rp (Billion Rp) 2010 Indikator

Indicator

2005 2006 2007 2008 2009 Jan

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

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

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

99.617 50.445 49.171 59.841 1.994 35.227 22.620 25.795 4.478 19.396 1.569 351 14.030

101.286 52.777 48.509 60.453 2.907 35.253 22.294 26.280 4.712 20.332 927 310 12.410

100.296 51.794 48.502 61.716 2.761 36.996 21.959 32.179 4.603 21.164 6.045 368 12.955

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

43 3.213

23 4.462

12 4.837

29 14.157

13 6.987

13 7.185

13 7.595

13 8.236

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

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

119.911 60.241 19.397 33.477 7.366 59.670 32.871 15.553 11.247 388 19.756 1.641 860

119.865 60.825 19.315 34.498 7.012 59.041 33.303 14.673 11.065 394 21.284 1.730 789

126.570 65.539 21.442 35.830 8.267 61.031 35.062 14.711 11.258 53 26.176 1.410 633

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

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

3.830 464 14.053 160

3.830 644 13.943 146

3.830 1.154 13.430 168

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

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-




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

2010 2005 2006 2007 2008 2009

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

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

177.377 133.511

212.499 174.463

219.653 176.036

262.061 201.775

298.180 233.750

41.333 20.909

79.853 40.039

117.624 60.104

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

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

20.836 1.212 820 18.804 1.814 16.878 112 72 0

39.904 2.313 1.689 35.902 3.641 32.015 245 135 1

59.884 3.736 2.191 53.957 5.193 48.404 360 220 2

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

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

46 26 19 7 0 942 16.361

73 62 42 18 1 2.471 31.365

101 117 63 36 18 2.732 45.302

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

13.601

15.730

20.145

24.911

27.852

2.396

4.589

7.168

9.688

11.926

14.409

17.097

20.194

22.093

24.644

27.363

31.906

6.192

6.051

7.659

6.537

9.427

724

1.391

2.318

2.998

5.087

5.298

5.985

6.319

7.652

8.404

9.371

10.623

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

156.651 62.573 60.412 611 4.408 55.393 5.916 33.297 11.611 277 2.179 2.114 2.156 817

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

40.242 8.270 8.163 64 380 7.719 772 4.897 1.438 379 170 64 108 34

74.078 15.958 15.770 131 846 14.793 1.518 9.335 2.721 745 336 137 188 68

105.208 24.033 23.753 219 937 22.596 2.291 14.229 4.143 1.163 506 264 280 101

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

845 495 17 85 6 65 76 244 5 20.121

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

52 21 1 6 4 10 0 1 17.012

90 30 2 8 2 19 0 32.392

136 43 3 9 2 29 1 44.126

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

730 23.101

989 29.596

1.268 29.285

1.791 44.925

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 )

1.834

183

296

461

650

946

1.124

1.340

1.411

1.807

2.031

2.244

3.479

7.761 7.015

11.628 13.804

14.777 21.810

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

1.090 11.930 5.301 6.629 6.515 5.063

5.776 18.385 10.771 7.614 12.167 9.528

12.416 26.025 17.824 8.201 19.441 15.174

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

50.126

53.122

63.472

76.496

50.860 82.886

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

29.891 83.797 65.531 18.267 48.158 30.606

39.869 104.504 82.589 21.915 61.784 45.215

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)

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

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des


75.854 54.640

74.585 65.869

74.745 65.677

85.799 73.708

102.480 87.974

10.440 9.057

19.974 16.534

29.369 24.702

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

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

9.030 264 469 8.297 863 7.401 33 27 0

16.486 500 849 15.137 1.767 13.316 54 47 0

24.615 906 1.238 22.471 2.480 19.920 71 87 0

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

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

13 14 6 7 0 267 84

8 39 20 18 1 1.250 157

4 83 30 35 18 655 658

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

4.081

4.815

6.460

8.544

10.128

793

1.560

2.470

3.313

4.191

5.234

6.211

7.699

8.523

9.555

10.571

13.075

2.729

1.815

1.857

1.968

2.541

238

473

884

1.175

1.487

1.927

2.257

2.010

3.011

3.227

3.412

3.798


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

10.061 3.363 3.344 46 85 3.212 339 1.796 643 367 55 12 19 5

17.660 6.358 6.332 99 152 6.082 660 3.372 1.196 722 99 33 26 9

24.909 9.660 9.622 168 232 9.223 986 5.104 1.825 1.121 144 43 37 13

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

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

11 2 0 0 0 1 0 761

12 5 0 1 1 3 0 1.130

18 6 0 1 0 4 1 397

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

192 -

250 18.239

271 16.846

424 20.683

512 26.669

33 3.503

63 5.481

98 7.292

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

34.367

19.397

22.174

25.308

28.100

2.400

4.627

7.462

10.585

12.790

15.453

17.713

20.745

23.932

25.823

28.429

32.527


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

379 3.946 838 3.107 2.287 1.691

2.313 4.840 1.565 3.275 4.366 3.404

4.460 6.569 2.643 3.926 7.207 5.494

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

12




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

2010 2005 2006 2007 2008 2009

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des


59.588 49.658

79.491 68.289

81.770 67.208

97.989 78.054

115.378 90.783

9.052 7.203

18.174 14.006

28.345 21.353

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

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

7.174 556 123 6.495 657 5.774 63 29 0

13.954 1.054 233 12.666 1.274 11.243 149 52 0

21.274 1.621 354 19.299 1.878 17.203 218 79 0

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

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

18 11 11 0 392 207

35 16 16 0 0 790 964

54 25 25 0 0 1.298 1.937

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

5.541

6.288

7.845

9.921

10.489

984

1.815

2.825

3.836

4.588

5.373

6.489

7.465

7.890

8.813

9.861

11.273

2.602

2.991

3.853

2.815

4.793

266

598

933

1.160

1.677

2.355

2.555

2.918

3.249

3.638

4.216

4.814


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

9.074 3.184 3.132 16 94 3.022 220 2.031 636 9 94 32 52 10

16.644 6.095 5.996 30 183 5.783 440 3.855 1.221 18 184 65 99 18

24.188 9.351 9.201 48 287 8.865 665 5.861 1.867 28 284 160 150 28

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

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

32 10 0 1 0 8 404

61 20 0 3 1 16 1.354

92 30 0 4 1 25 1.751

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

141 -

236 6.404

349 7.816

389 17.806

488 16.701

62 2.701

83 3.679

133 4.506

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

23.372

20.016

24.331

29.896

31.945

2.724

5.433

8.447

11.464

14.258

17.265

20.106

23.242

26.151

29.301

32.559

36.296


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

(22) 5.664 3.499 2.164 2.148 1.695

1.530 9.603 6.889 2.714 4.259 3.408

4.158 13.074 10.612 2.462 6.643 5.301

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


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

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Indicator

Des


2.471 2.277

4.178 3.823

5.227 4.597

5.854 5.367

7.689 6.912

737 687

1.468 1.382

2.253 2.122

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

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 -

687 39 9 638 38 597 3 -

1.382 72 18 1.293 83 1.204 6 0 -

2.122 103 27 1.992 139 1.843 10 -

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 -

5 1

18 1

12 1

1 1

0 0 11 1

1 0

0 0 26 0

35 0

57 0

141 0

153 0

168 1

187 1

199 1

326 1

345 1

414 1 117

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

95

92

122

117

121

13

26

35

44

69

88

106

126

91

98

107

93

245

495

367

645

37

33

61

90

116

135

163

186

212

240

267

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 -

807 322 322 0 12 309 8 279 11 0 10 1 0 -

1.392 611 611 1 21 588 14 530 22 1 20 1 0 -

2.095 927 927 1 32 894 22 805 34 1 30 2 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 -

-

-

8 8 -

5 0 5 0 0

0 0 0 0 0

0 0 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

20

16

13

13

0 11

1

3

4

5

7

0 8

0 9

0 10

0 12

0 13

0 14

0 5

1.038

341 1.186

502 1.591

356 1.854

692 3.004

205 279

186 593

263 901

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

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

(70) 191 58 133 62 56

75 461 405 56 130 115

158 1.182 1.105 78 233 210

232 1.588 1.504 84 314 283

431 1.557 324 2.041 1.937 103 425 385

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

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

2010 2005 2006 2007 2008 2009

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Indicator

Des


11.594 10.721

17.599 16.293

19.264 17.465

22.606 20.580

25.375 23.082

2.310 2.080

4.706 4.320

7.332 6.511

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

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 -

2.079 128 133 1.819 60 1.757 2 0 0

4.320 254 253 3.812 138 3.655 19 0 -

6.511 440 394 5.677 155 5.491 31 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 -

3 57 1

3 193 -

5 257 4

2 273 10

0 205 23

0 53 1

0 56 2

0 218 3

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

423

540

684

912

1.381

77

138

216

288

351

432

520

609

743

809

893

980

392

573

854

832

684

100

190

383

501

552

675

813

916

1.025

1.162

1.321

1.469


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

1.793 681 681 0 58 623 147 339 121 2 8 6 -

3.578 1.363 1.363 1 109 1.254 299 688 227 4 27 9 -

5.491 2.132 2.132 1 162 1.969 465 1.106 333 12 41 12 -

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 1 -

-

1 6

18 3 12 3 2 0

0 0 0 2 0

0

0

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

16 -

12 1.327

15 1.290

11 1.505

3 1.824

1 520

2 1.012

4 1.192

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

5.045

5.157

6.255

7.771

8.182

592

1.200

2.163

2.934

3.758

4.474

5.359

6.312

7.194

7.964

8.882

10.556


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

517 1.147 629 518 1.032 940

1.128 1.934 1.315 619 1.743 1.583

1.841 2.912 2.075 838 2.675 2.443

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

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

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des


6.043 4.307

7.860 5.680

9.528 6.354

14.681 7.894

15.772 10.128

1.378 784

2.434 1.488

3.547 2.289

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

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

777 106 17 654 64 582 7 7 -

1.471 203 31 1.237 125 1.100 13 17 -

2.263 307 51 1.905 183 1.698 24 26 -

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 -

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

6 1 1 72 321

11 6 5 0 87 504

17 9 8 1 106 731

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

631

688

1.083

1.137

1.463

126

275

393

521

652

806

912

1.057

1.207

1.341

1.498

1.663

101

187

135

96

207

74

80

29

32

1.195

46

51

111

68

77

86

107


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

1.185 336 322 1 19 302 15 266 11 0 1 9 15 1

2.093 640 624 1 36 587 27 513 26 0 2 18 16 1

2.963 974 949 1 56 893 41 777 39 0 3 33 24 2

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

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

6 8 0 4 3 1 301

12 3 1 2 0 485

18 4 1 3 0 650

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

57 -

85 902

134 769

203 1.077

288 1.377

31 136

38 265

61 370

90 506

110 589

134 713

173 900

199 951

233 1.146

256 1.200

280 1.347

304 1.486

1.826

1.476

2.021

2.584

3.469

381

664

908

1.226

2.640

1.842

2.130

2.461

2.875

3.119

3.487

3.964


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

193 240 145 95 287 217

341 611 442 170 510 374

585 803 603 200 785 571

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

16




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

2005 2006 2007 2008 2009

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des


20.704 10.905

28.786 14.509

29.119 14.736

35.132 16.171

31.486 14.872

17.415 1.098

33.099 2.309

46.777 3.127

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

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

1.089 119 68 902 132 767 3 10 0

2.290 229 304 1.757 254 1.498 4 19 1

3.098 359 127 2.613 358 2.249 5 29 2

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

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

9 0 0 157 15.747

18 0 0 261 29.737

26 1 1 0 420 41.973

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

2.814

3.308

3.951

4.280

4.270

403

775

1.229

1.686

2.074

2.477

2.860

3.237

3.638

4.027

4.432

4.799

171

240

464

460

557

10

17

28

41

84

180

175

201

114

88

96

168


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

17.321 385 362 0 111 251 43 186 15 3 4 22 19

32.710 891 844 0 345 499 78 377 29 4 11 46 40

45.562 990 922 0 170 752 112 577 45 5 14 67 58

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

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

2 1 0 1 0 0 0 15.546

4 3 1 2 0 29.423

7 2 1 1 0 0 41.328

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

303 -

392 2.383

485 2.063

752 3.497

532 3.598

54 697

106 1.004

161 1.154

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

7.049

5.890

7.101

9.083

8.185

639

1.286

1.929

2.573

3.228

3.983

4.570

5.569

6.210

6.698

7.415

8.249

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

94 743 131 612 699 464

389 936 155 781 1.158 644

1.215 1.483 786 697 1.898 1.154

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



17



Tabel 1.15 Rekening Administratif Bank Umum (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 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

2005 2006 2007 2008 2009

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

17.440 5.559

33.963 20.983 7.496 5.246

21.650 109.598 6.321 4.608

117.170 13.850

128.484 6.576

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 8.629

4.300

9.997

20.181 10.910

13.641 96.654

93.146

113.439

100.518

147.093

111.037

111.982

109.867

120.667

106.662

139.510

120.109

1.305

1.884

8.337

10.175

8.470

1.852

2.101

2.561

2.403

1.552

2.076

2.319

2.498

2.478

177.816 198.826 272.594 296.167 374.255 662.315 151.987 162.988 208.338 247.673 323.716 480.169

672.370 495.590

674.106 471.963

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

794.241 554.709

800

1.257

1.397

3.302

2.632

2.747

3.509

2.686

4.584

3.524

5.768

6.486

6.286

23.955

42.019 31.744

37.177 38.543

41.789

40.418

43.741

46.107

43.911

42.631

47.640

46.787

49.447

53.106

49.967

4.070

8.390

15.724 10.165

11.382 142.291

133.300

159.879

154.228

187.194

161.779

160.953

170.230

188.974

165.061

200.714

182.155

2.581

2.978

512

433

449

436

576

998

4.593

523

542

490

691

924

84.730 119.740 221.486 139.047 132.174 68.627 102.454 138.537 115.923 108.800 15.460 15.383 69.873 15.498 21.709

132.521 108.598 22.739

134.731 110.930 22.557

132.926 108.641 23.140

135.906 111.790 22.940

135.741 111.685 22.843

147.179 122.760 23.119

280.978 125.087 154.592

146.860 121.392 24.148

155.413 129.550 24.482

155.336 129.073 25.057

160.947 136.529 23.292

1.665

1.185

1.243

1.146

1.177

1.213

1.301

1.299

1.320

1.381

1.206

1.127

77.430 123.784 101.455 97.927 74.397 109.488 99.985 96.414 3.032 14.296 1.470 1.513

97.764 96.366 1.398

95.792 94.372 1.420

96.219 94.866 1.353

97.409 95.928 1.481

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

110.952 109.726 1.226

117.228 116.029 1.199

Liabilities Contingency - Guarantees issued - Others

163.993 166.370 199.082 148.821 135.192 134.965 34.517 40.719 43.675 45.965 32.896 30.225 129.476 125.650 155.407 102.856 102.296 104.740

133.915 30.873 103.042

132.303 29.907 102.396

135.175 29.609 105.566

136.190 29.683 106.507

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

144.102 29.733 114.369

146.144 30.173 115.970

Others - Channelling Credit - Written-off Earning assets

643

Kewajiban Kontijensi - Garansi yang diberikan - Lainnya

38.277 37.482 795

44.659 43.755 904

5.713

1.903 13.075

803

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

18.824

5.748

872

1.688

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

515

1.373

765

4.828

Indicator

353

71.292 58.770 11.149

18

Feb

10.638 5.034

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

Lainnya - Penerusan Kredit - Aktiva produktif yang dihapus bukukan

Jan

1.177

7.626

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



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

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

464 0

1.870 841

2.580 175

497 188

36 0

831 164

1.614 104

1.305 108

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

30

235

2.023

154

36

646

821

509

1.611

1.198

4.351

8.205

8.279

6.740

5.957

5.061

6.657

434

794

382

155

0

21

690

689

691

716

644

625

32

625

625

625

625

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

165.482 172.357 144.352 151.029

166.928 145.568

159.640 136.709

159.555 135.735

161.002 139.763

174.462 145.255

170.508 142.539

170.862 141.737

176.052 151.041

176.933 145.240

168.046 139.200

384

494

269

198

310

342

319

133

258

170

170

220

208

130

9.248 11.334 20.165

16.735

19.995

19.844 20.353

20.377

21.222

22.058

20.216

19.675

24.830

23.916

24.095

24.692

20.266

257

260

236

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

999

771

668

1.362

1.435

886

5.383

2.964

5.032

688

6.785

8.442

941

205

13

14

6

51

6

6

5

7

4

3.891

5

7

8

8

7


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

21.921 22.317 3.895 3.934 16.695 17.540

22.077 3.742 17.431

21.689 3.746 17.149

22.384 3.945 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 4.475 18.998

24.076 4.937 18.224

1.118

1.304

7.286

844

903

795

830

858

931

918

941

995

1.001

915


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

32.840 32.615 32.555 32.521 285 95

31.795 31.731 64

31.551 31.488 63

32.392 32.270 122

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 35.855 67

39.794 39.722 72


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

104.077 106.341 27.160 27.617 76.917 78.723

106.991 26.783 80.208

106.278 26.475 79.803

106.817 26.627 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 26.681 82.315

112.091 26.948 85.143



550

238

1.331


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

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

2.149 18

5.081 11.644 2.206 1.127

7.199 654

5.332 43.313 141 141

40.098 162

51.112 140

39.681 139

48.435 141

43.336 144

43.427 129

40.922 130

48.413 182

43.613 351

53.005 364

44.148 388

1.535

2.346

5.016

1.972

4.101 35.482

32.409

43.782

38.912

47.625

42.115

42.450

40.232

47.720

42.370

51.786

42.830

596

529

5.501

4.573

1.089

7.690

7.528

7.190

630

668

1.077

848

560

511

891

855

930

132.078 226.040 118.457 179.883

224.028 176.994

221.922 165.743

231.260 177.966

239.518 178.489

239.236 180.247

250.917 194.003

252.239 193.609

261.087 194.703

265.743 203.204

277.801 204.308

276.731 212.273


64.526 57.653

78.586 116.802 127.426 68.281 93.638 110.519

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

94

246

366

358

486

500

1.004

1.040

1.070

1.233

1.038

1.244

1.338

1.406

1.562

1.552

1.431

4.495

7.137

12.666

8.968

9.347

9.315

11.843

11.279

12.997

13.775

13.994

14.062

14.552

14.731

15.831

17.484

18.506

1.743

1.487

4.877

2.255

2.735 36.026

33.907

43.583

38.921

45.583

43.094

41.072

42.441

49.911

44.789

53.895

43.735

541

1.435

5.256

5.326

1.054

317

281

277

306

438

862

535

299

337

357

562

787


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

3.990 670 3.230

4.146 677 3.380

3.600 247 3.263

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

590

119

605 11.561

90

90

90

90

90

90

90

90

90

90

93

89

90


6.571 5.964 607

8.940 8.202 738

17.381 32.307 14.400 18.422 2.981 13.885

18.531 17.997 17.392 16.853 1.139 1.144

18.005 16.805 1.200

18.023 16.725 1.298

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 21.047 1.081

23.300 22.107 1.192

23.443 22.306 1.137

24.355 23.253 1.103



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 24.909 2.879 758 15.601 24.151

18.995 852 18.143

19.149 780 18.369

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

21.353 705 20.648

21.559 712 20.847

21.614 680 20.934

22.650 680 21.969


20




Tabel 1.18 Rekening Administratif BUSN Non Devisa (Non-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

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

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

30 9

40 9

83 9

75 0

62 0

63 0

66 0

60 0

55 0

54 0

53 0

53 0

52 0

288 223

288 223

65 0

65 0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

21

32

74

75

62

63

66

60

55

54

53

53

52

64

64

65

65


1.836 1.806

1.666 1.618

1.882 1.853

1.966 1.926

2.232 2.197

2.226 2.190

2.156 2.115

1.864 1.823

1.972 1.938

2.066 2.027

1.940 1.905

1.992 1.950

2.220 2.163

2.220 2.152

2.723 2.653

2.284 2.217

2.305 2.242

2

5

3

6

10

13

15

14

11

10

11

14

32

36

35

26

27

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

27

44

25

34

25

23

26

27

23

28

25

28

25

32

35

41

36


194 179

202 177

156 147

100 95

137 1 136

152 1 148

157 1 153

154 1 150

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

15

25

9

4

0

3

4

3

4

3

3

5

10

2

3

1

0


124 117 7

103 95 8

127 112 16

120 107 12

194 121 73

180 103 76

203 102 101

161 103 58

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



598 42 556

590 41 549

637 41 596

530 39 491

710 21 689

668 19 649

666 19 648

680 19 661

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


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

21



Tabel 1.19 Rekening Administratif BPD (Regional Development Banks Off-Balance Sheet) Miliar Rp (Billion Rp) 2010 Indikator

Indicator

2005 2006 2007 2008 2009 Jan

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

42 16

28 10

-

-

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

336 21

35 15

515 9

641 11

1.873 40

440 25

446 18

609 12

715 14

751 23

721 7

732 18

675 11

689 11

657 55

-

0

-

91

1

1

20

44

-

-

-

-

0

11

0

507

539

1.832

415

407

553

701

727

714

715

665

667

602

11.276 11.800 10.865 11.145

11.957 11.366

11.591 11.081

11.825 11.297

11.900 11.226

11.130 10.368

11.564 10.810

11.334 10.568

11.431 10.672

11.824 11.113

26

18

315

20


1.677 1.625

2.208 2.136

3.820 3.426

6.799 6.548

-

5

12

14

28

40

28

22

34

35

19

33

23

28

38

41

41

2

18

25

13

320

422

423

379

404

548

685

673

675

655

607

632

582

-

-

-

-

-

91

19

19

35

46

-

-

-

-

0

0

0

50

50

356

224

64

103

120

90

56

46

58

47

68

77

66

54

80


479 2 333

624 2 465

599 56 496

876 345 463

2.066 1.389 591

2.267 1.674 519

1.768 1.158 532

833 183 574

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

145

157

47

68

87

75

79

76

85

79

83

93

96

99

99

102

108


1.523 1.451 72

2.856 2.833 23

5.788 5.783 5

9.198 9.193 5

10.666 10.913 10.660 10.906 6 7

10.435 10.433 2

9.557 9.557 1

9.764 9.763 1

9.671 9.670 1

9.299 9.298 1

9.591 9.586 6

10.039 10.038 1

10.556 10.550 5

10.909 10.908 1


4.433 1.982 2.451

4.807 2.035 2.772

5.112 2.280 2.832

5.257 2.389 2.868

6.541 2.385 4.156

4.396 2.325 2.071

4.402 2.333 2.069

4.427 2.310 2.117

4.321 2.243 2.078

4.533 2.283 2.250

4.587 2.253 2.334

4.629 2.243 2.385

4.580 2.212 2.369

22

5.432 2.593 2.840

4.515 2.288 2.226

12.988 12.593 12.261 11.889

11.325 11.258 11.324 11.257 1 1 4.676 2.308 2.368

5.179 2.479 2.700

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



Tabel 1.20 Rekening Administratif Bank Campuran (Joint Venture Banks Off-Balance Sheet) Miliar Rp (Billion Rp) 2010 Indikator

2005 2006 2007 2008 2009

Indicator Jan

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

5.811 4.991

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

5.006 10.730 2.494 6.163

5.617 4.389

5.262 37.199 3.823 1.955

46.931 11.211

39.296 4.028

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

622

2.011

4.565

1.227

1.411 35.222

35.662

35.200

30.186

39.913

31.108

31.243

28.665

30.856

27.879

30.434 28.168

198

502

2

1

23

58

68

67

108

82

147

115

161

74

19.575 96.109 14.167 73.865

96.842 77.713

98.809 74.927

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


15.752 11.944


19.379 19.190 189

15.427 20.805 16.235 10.341 13.298 11.400

29

286

256

117.037 113.836 90.999 88.396

-

-

-

1

10

11

12

11

9

8

3

4

4

3

2

3

8

2.217

2.068

2.890

2.913

3.233

4.271

4.358

3.718

4.456

4.912

4.262

3.808

3.430

3.752

4.676

3.893

3.985

579

1.779

4.530

1.809

2.136 17.943

14.760

20.153

17.833

21.488

22.177

21.704

23.986

24.485

21.622

1.011

1.239

87

111

19

0

0

45

56

46

90

46

89

25

32.484 29.667 32.153 29.401 331 265

26.838 26.564 274

31.263 30.983 279

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

20.284 29.927 41.419 20.042 29.715 41.256 242 212 163

28

22.116 21.433 26

14

36.630 39.315 36.266 38.943 364 373

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

0

-

-

-

-

-

-

0


4.647 4.644 3

4.507 4.506 1

6.801 6.801 -

9.972 9.971 0

7.453 7.453 -

7.379 7.379 -

7.686 7.686 -

7.886 7.886 -

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 0 1



1.014 1.014

1.217 1.217

1.362 1.362

1.736 1.736

1.783 0 1.783

563 0 563

623 0 623

624 0 624

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


0

0

1.691 0 1.690

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

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

8.590 -

7.562 -

10.442 27.551 2.349 2.338

26.588 2.334

36.270 2.275

32.044 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

2.113

5.406

8.577

7.557

8.093 25.213

24.254

33.947

29.789

58.312

33.463

30.084

32.691

35.351

30.456

52.218 42.454

29

9

13

5

0

1

48

1

1

4

2

80

1

0

58.413 160.658 47.625 68.735

165.029 76.373

172.991 72.822

174.518 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


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

24

Mar

5.415 -

43.992 41.203 49.917 46.696 39.402 32.909 37.471 37.488


Feb

2.142 -



Jan

1

0

0

226.631 220.729 98.371 100.708

-

-

-

-

-

-

-

0

1.834

1.027

1.542

1.957

1.118

2.942

1.666

3.938

4.849

2.862

3.398

6.273

3.114

4.282

4.691

4.812

4.666

4.662

4.814

4.754

4.413

4.152

3.734

4.237

6.404

6.627

1.717

4.891

6.163

6.089

6.506 87.232

83.844

95.455

96.078

118.642

95.622

92.794

100.838

109.545

97.962

11

5

10

4

0

0

48

1

1

3

2

80

1

0

78.670 74.178 77.602 73.159 905 852

77.295 76.265 862

76.804 75.775 859

74.541 73.460 910

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

166

168

171

172

175

178

181

184

187

191

29.692 28.618 29.692 28.618 -

28.820 28.820 -

28.371 28.371 -

28.782 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

749 749

463 463

3.991 3.991

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

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

0

163

2.074 2.074

234 234

117.917 108.544 0

0

87.979 91.375 87.512 90.953 454 409 13

13

30.320 31.467 30.320 31.467 0 0 6.235 0 6.235

3.578 0 3.578

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



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

21,27 19,30 16,76 17,42 183.391 211.176 238.270 268.601 862.145 1.094.196 1.421.448 1.541.598

Jan

Feb

Mar

18,66 281.840 1.510.098

19,21 19,27 19,18 18,90 18,06 18,29 296.734 291.200 286.896 286.239 281.923 288.629 1.544.988 1.511.520 1.496.158 1.514.283 1.561.219 1.578.325

Jul

Okt

Nov

Indicator

Des

-

-

-

-

-

CAR (%) • Capital • Risk Weighted Assets

16,44

16,52

16,99

16,90

17,18

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

-

-

-

-

-

-

-

-

-

- 289.276 293.059 286.931 285.869 291.863 295.554 301.321 308.131 314.512 323.246 - 1.557.090 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

4,70

3,91

3,03

2,95

2,83

3,00

62.980,22 61.191,68 56.025,56 66.144,01 69.856,48 1.339.752 1.565.103 1.851.990 2.242.282 2.464.256 127,25 126,88 193,95 168,12 157,55

73.522,92 2.452.293 243,59

2,77

16,70

Sep

-

2,86

17,58

Ags

-

2,76

17,80

Jun

-

2,88

18,02

Mei

-

3,06

18,58

Apr

2,71

2,72

2,68

2,67

2,71

2,36

75.517,53 71.852,07 68.347,09 71.617,11 71.014,52 69.620,95 70.504,74 70.407,98 71.594,87 72.706,36 65.071,02 2.465.617 2.498.726 2.472.593 2.506.945 2.566.145 2.567.905 2.595.958 2.630.445 2.686.327 2.682.253 2.762.578 139,24 129,08 155,15 146,80 138,43 135,44 147,72 129,87 137,91 134,29 130,69

- PPAPYD

43.210

47.918

49.137

64.068

77.526

77.878

80.357

77.717

83.179

77.417

77.310

79.628

79.761

79.758

81.658

80.123

76.924

- PPAPWD

33.957

37.767

25.335

38.108

49.208

31.971

57.713

60.210

53.613

52.735

55.849

58.793

53.994

61.415

59.210

59.666

58.860

2,55 2,64 2,78 2,33 2,60 30.601 40.555 49.859 48.158 61.784 1.201.039 1.538.821 1.792.481 2.067.044 2.372.152 89,50 86,98 84,05 88,59 86,63

3,12 78.181 2.502.016 97,36

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

2,91 3,08 3,02 2,98 3,00 2,97 2,94 2,91 2,94 2,93 2,86 73.003 77.762 75.164 74.612 75.545 75.450 74.925 74.748 75.820 76.167 75.157 2.509.515 2.527.591 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 92,77 89,44 90,01 90,02 90,47 85,63 85,36 86,26 85,93 85,54 86,14

143.881 160.762

184.826 212.499

184.617 219.653

232.170 262.061

258.311 298.180

40.242 41.333

74.078 79.853

105.208 117.624

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

2,64

3,06

3,55

4,49

4,03

3,66

3,68

3,61

3,44

3,76

3,50

3,57

4,10

4,41

3,69

3,83

3,99

59,66 61,56 66,32 74,58 72,88 695.648 792.297 1.002.012 1.307.688 1.437.930 1.166.065 1.287.102 1.510.834 1.753.292 1.973.042

72,13 1.405.640 1.948.890

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

73,97 73,46 74,70 75,71 75,31 76,39 78,01 77,06 76,73 76,78 75,21 1.428.788 1.456.114 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 1.931.638 1.982.262 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

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

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 2009

Mar

Apr

Mei

Jun

Jul

Sep

Okt

Nov

Des

15,62 89.515 572.901

16,15 88.892 550.335

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

17,85 67.263 376.844

14,31 68.757 480.330

-

-

-

-

-

-

-

15,10

14,46

14,17

14,19

13,80

13,45

14,04

14,27

14,89

15,36

-

-

-

-

-

-

-

88.997 589.568

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

7,96

6,55

4,59

3,33

3,03

3,10

3,14

2,91

2,95

3,20

3,11

3,01

3,07

2,99

3,02

3,39

2,64

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 29.079 958.452 937.018 151,62 400,80

29.132 927.060 197,96

26.809 922.449 167,49

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

- PPAPYD

28.093

29.480

27.665

28.965

36.087

36.284

37.299

35.033

37.135

38.228

37.128

38.085

38.897

38.217

39.723

40.416

38.226

- PPAPWD

21.321

22.483

10.387

11.189

23.800

9.053

18.842

20.916

18.360

18.084

23.065

22.465

19.804

25.155

22.342

26.762

23.347

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 2,90 23.258 27.440 858.353 946.008 92,35 96,37

2,77 26.196 944.899 88,42

3,05 28.827 944.181 84,81

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 30.003 975.505 88,23

71.333 74.957

72.383 74.585

67.776 74.745

77.148 85.799

94.645 102.480

10.061 10.440

17.660 19.974

24.909 29.369

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

2,56

3,17

3,58

4,15

3,96

3,31

3,60

3,74

3,64

3,71

3,57

3,71

4,16

4,83

4,16

4,34

4,43

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 70,08 544.870 529.897 783.384 756.125

73,38 536.471 731.073

73,75 550.334 746.188

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

KAP • APYD terhadap Aktiva Produktif (%) - APYD - Total Aktiva Produktif • PPAPYD terhadap PPAPWD (%)


13,81 15,67 77.893 88.565 563.841 565.169

Ags

Indicator

Feb

21,20 62.577 295.153

CAR (%) - Termasuk Risiko Operasional • Modal • ATMR

19,43 58.904 303.098

Jan


26

33.527 27.750 988.878 1.049.282 151,02 163,73





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

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Indicator

Des

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

16,58 93.021 560.966

18,44 106.781 579.083

17,82 103.785 582.527

19,20 107.193 558.228

18,65 107.041 573.882

17,88 105.072 587.546

17,05 108.258 634.821

-

-

-

-

-


-

-

-

-

-

-

-

17,60

17,83

17,36

16,77

15,72

15,65

15,95

16,24

15,82

15,76

-

-

-

-

-

-

- 103333,29 - 587168,23

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


2,28

2,43

2,03

2,97

2,73

2,87

2,99

2,83

2,84

2,73

2,59

2,59

2,54

2,54

2,46

2,45

2,27

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

25.836 901.547 263,07

27.318 915.104 123,38

26.326 929.012 118,57

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

- PPAPYD

7.576

10.621

11.334

21.335

25.460

26.034

26.487

26.292

24.992

25.075

25.996

27.046

26.086

25.994

26.199

26.113

25.251

- PPAPWD

6.008

8.601

8.011

17.568

11.416

9.896

21.468

22.174

20.614

20.397

17.465

22.014

20.395

21.215

21.309

20.663

21.863

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 25.776 955.614 100,24

2,66 25.555 961.636 91,58

2,74 26.573 969.039 85,33

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

38.816 43.952

65.603 79.491

66.931 81.770

91.874 97.989

99.540 115.378

9.074 9.052

16.644 18.174

24.188 28.345

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

2,20

2,92

3,67

5,25

4,02

3,91

3,85

3,56

3,09

3,76

3,19

3,36

3,92

4,31

3,36

3,43

3,42

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

69,76 540.737 781.072

70,74 552.192 775.102

71,08 561.354 780.580

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

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



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



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

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Indicator

Des

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

18,84 7.308 38.788

18,76 7.307 38.949

17,81 7.058 39.633

21,92 6.013 27.429

16,80 6.028 35.878

15,74 5.841 37.112

22,44 6.662 29.686

-

-

-

-

-


-

-

-

-

-

-

-

20,49

20,98

20,58

19,61

20,35

15,95

15,57

19,66

19,15

18,91

-

-

-

-

-

-

- 5944,58 - 29011,58

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


3,92

2,90

1,96

1,61

2,02

2,35

2,50

2,34

2,35

2,11

2,02

2,09

2,23

2,24

2,27

2,20

2,05

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

1.145 48.628 139,28

1.230 49.256 173,65

1.201 51.216 142,59

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

- PPAPYD

415

500

643

692

1.003

1.042

1.073

1.095

1.036

1.035

1.226

1.262

1.293

1.243

1.347

1.356

1.335

- PPAPWD

340

282

445

375

679

748

618

768

753

523

739

634

920

742

780

732

1.052

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

1,40 748 53.503 109,52

1,45 781 53.834 94,87

1,70 933 54.838 93,00

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

2.408 2.471

3.854 4.178

4.369 5.227

5.078 5.854

7.307 7.689

807 737

1.392 1.468

2.095 2.253

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

1,54

2,49

2,08

2,25

2,35

2,43

2,41

2,55

2,86

2,81

3,05

3,11

3,06

3,08

2,77

2,89

2,77

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

82,49 35.104 42.557

84,16 36.231 43.049

83,97 37.570 44.741

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




28





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

2005 2006 2007 2008 2009

Jan

Mar

Apr

Mei

Jun

Jul

Sep

Okt

Nov

Des

19,49 25.539 131.063

18,29 23.395 127.916

17,14 21.899 127.783

16,36 20.906 127.817

15,59 20.659 132.546

16,81 22.162 131.857

-

-

-

-

-


19,24 9.180 47.725

19,12 11.586 60.591

18,35 14.224 77.533

16,82 17.025 101.190

-

-

-

-

-

-

-

19,97

15,68

16,16

16,78

15,92

16,21

14,83

15,62

15,85

16,68

-

-

-

-

-

-

- 24342,43 - 121911,41

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

1,16

0,81

0,99

1,00

1,39

1,87

1,84

1,64

1,71

1,84

1,82

1,75

1,86

1,76

1,79

1,95

1,66

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 3.457 181.225 185.326 115,83 106,86

3.573 193.959 93,29

3.435 209.185 82,77

3.598 210.541 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

- PPAPYD

1.236

1.570

1.906

2.499

3.147

3.042

3.438

3.271

3.608

3.641

3.637

3.856

3.939

3.907

3.901

4.083

3.895

- PPAPWD

1.109

1.094

1.804

2.255

2.717

2.847

3.686

3.952

4.004

3.826

4.111

3.353

2.599

3.835

4.101

2.923

3.955

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 6,15 7.399 12.384 202.904 201.383 73,64 77,63

5,14 10.460 203.569 76,03

5,09 10.699 210.037 74,89

4,75 10.133 213.335 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

8.831 11.594

13.403 17.599

14.652 19.264

16.510 22.606

18.687 25.375

1.793 2.310

3.578 4.706

5.491 7.332

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

8,68

6,26

7,74

8,91

11,08

10,30

8,99

8,66

8,94

9,83

9,43

8,54

10,26

8,81

8,37

9,41

10,80

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 75,06 120.754 120.372 152.251 160.376

74,37 122.361 164.539

68,86 124.765 181.181

69,18 127.329 184.041

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



15,82 19,74 20.366 25.268 128.744 128.029

Ags

Indicator

Feb




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

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Indicator

Des

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

26,92 22.841 84.841

26,51 22.932 86.507

27,69 23.857 86.162

28,59 23.840 83.389

27,49 24.184 87.985

26,27 24.441 93.028

25,86 22.499 86.993

-

-

-

-

-


-

-

-

-

-

-

-

27,04

27,43

26,35

25,28

23,98

23,02

23,47

22,67

22,65

23,34

-

-

-

-

-

-

- 24012,23 - 88812,64

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


3,56

3,10

2,17

1,79

2,06

2,20

2,16

2,03

2,05

1,97

2,04

2,01

1,94

1,96

1,94

1,90

1,94

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

3.138 142.584 87,36

3.034 140.658 94,47

2.867 141.132 105,71

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

- PPAPYD

1.819

1.470

1.527

2.009

2.183

2.150

2.203

2.199

2.219

2.241

2.331

2.186

2.292

2.603

2.557

2.537

2.614

- PPAPWD

1.586

1.290

1.208

1.897

1.736

2.461

2.332

2.080

2.328

1.978

2.608

2.294

2.295

2.467

2.448

2.567

2.711

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

2,52 3.448 136.986 86,02

2,25 3.063 135.963 85,99

2,31 3.139 135.873 83,52

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

4.528 6.043

6.213 7.860

7.601 9.528

12.268 14.681

13.328 15.772

1.185 1.378

2.093 2.434

2.963 3.547

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

0,60

0,51

0,49

0,64

0,80

0,82

0,80

0,79

0,81

0,92

0,84

0,87

1,02

1,03

0,90

0,85

0,92

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

84,28 79.913 94.819

86,72 80.247 92.532

87,22 81.795 93.784

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




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

Jan

Mar

Apr

Mei

Jun

Jul

Sep

Okt

Nov

Des

32,72 44.660 136.485

35,39 44.214 124.948

31,66 39.737 125.500

33,15 43.929 132.524

33,35 42.356 127.007

33,69 43.116 127.986

-

-

-

-

-


21,94 19.448 88.645

24,48 23.057 94.192

24,01 26.655 111.000

29,06 41.031 141.205

-

-

-

-

-

-

-

30,33

30,41

29,70

30,51

28,07

28,16

25,62

28,32

26,25

27,08

-

-

-

-

-

-

- 42646,20 - 140617,48

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

3,82

2,89

3,19

3,67

4,18

4,58

4,69

4,56

3,56

3,55

3,55

3,46

3,35

3,42

3,43

2,39

2,40

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 10.869 234.787 237.190 108,87 133,87

11.231 239.581 91,54

11.215 245.732 95,22

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

- PPAPYD

3.952

4.276

6.061

8.567

9.646

9.326

9.856

9.827

14.189

7.196

6.992

7.193

7.254

7.793

7.931

5.617

5.602

- PPAPWD

3.475

4.018

3.480

4.925

8.860

6.966

10.767

10.321

7.554

7.927

7.861

8.033

7.982

8.002

8.230

6.019

5.933

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 4,02 7.816 8.384 220.809 208.522 78,78 99,46

3,31 6.947 209.614 98,83

3,55 7.591 213.624 97,40

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

17.136 20.695

23.370 28.786

23.289 29.119

29.292 35.132

24.805 31.486

17.321 17.415

32.710 33.099

45.562 46.777

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

2,01

0,68

0,68

0,93

0,91

0,79

0,72

0,75

0,76

0,75

0,73

0,72

0,93

0,93

0,76

0,81

0,94

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 83,08 100.011 99.617 117.594 119.911

84,50 101.286 119.865

79,24 100.296 126.570

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



32,11 33,89 41.443 44.838 129.071 132.305

Ags

Indicator

Feb




31



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

2005 2006 2007 2008 2009 Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Indicator Net Interest Margin (NIM)

Net Interest Margin (NIM) • Bank Persero

5,78

5,77

6,03

6,07

5,81

7,29

6,55

6,48

6,40

6,31

6,26

6,28

6,26

6,12

6,10

6,09

6,11

• State Owned Banks

• BUSN Devisa

5,24

5,67

5,43

5,32

5,64

5,35

5,23

5,25

5,24

5,25

5,31

5,30

5,30

5,40

5,39

5,40

5,35

• Foreign Exchange

• BUSN Non Devisa

5,35

6,80

7,98

7,25

7,97

9,00

9,46

9,62

9,70

9,46

9,48

9,49

9,47

9,20

9,11

9,24

9,10

• Non-Foreign Exchange

• BPD Regional

9,56

8,20

7,24

8,52

7,88

9,06

9,36

8,93

9,03

8,96

8,90

8,95

8,86

8,77

8,75

8,72

8,74

• Development Banks

• Bank Campuran

3,81

4,59

4,03

3,75

3,77

3,77

3,59

3,72

3,74

3,76

3,77

3,75

3,79

3,82

3,82

3,81

3,83

• Joint Venture Banks

• Bank Asing

4,78

4,91

4,70

4,29

3,78

3,61

3,57

3,55

3,60

3,66

3,68

3,50

3,53

3,55

3,50

3,54

3,54

• Foreign Owned Banks

• Bank Umum

5,63

5,80

5,70

5,66

5,56

6,18

5,88

5,84

5,83

5,79

5,80

5,78

5,77

5,75

5,73

5,74

5,73

• 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

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Indicator

Des

Modal Inti

Tier One Capital

<100 miliar

44

39

30

22

11

7

7

8

7

7

5

4

5

5

2

-

-

<100 billion

>100 miliar

87

91

100

102

110

108

108

107

106

106

108

108

107

107

109

111

111

>100 billion

<12%

12

13

14

11

12

6

5

8

10

10

8

11

10

13

10

11

7

>12%

119

117

116

113

109

109

110

107

103

103

105

101

102

99

101

100

104

CAR

Capital Adequacy Ratio

NPL

<12% >12% Non Performing Loan Ratio

<5%

100

100

108

105

107

99

95

99

99

99

101

99

99

98

95

98

96

>5%

31

30

22

19

14

16

20

16

14

14

12

13

13

14

16

13

15

ROA

<5% >5% Return on Asset Ratio

<1,5%

41

47

46

41

42

28

33

32

30

30

30

29

30

31

30

29

34

<1,5%

>1,5%

90

83

84

83

79

87

82

83

83

83

83

83

82

81

81

82

77

>1,5%

<50%

25

29

20

9

11

12

13

13

8

7

7

6

7

7

6

6

5

<50%

>50%

106

101

110

115

110

103

102

102

105

106

106

106

105

105

105

105

106

>50%

LDR

Loan to Deposit Ratio

Ket : r) tidak termasuk BUS, jumlah BUS berdasarkan tingkat rasio disajikan pada tabel 2.14

Note : r) excluding Sharia Banks, Sharia Banks amount based on ratios shown in the table 2.14

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

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

944.216

974.384

959.952

957.180

974.858

986.613 1.005.481 1.115.519

Group of Bank

Des

Bank Persero

565.585

621.212

741.988

847.563

979.078

946.008

943.789

942.665

957.337

BUSN Devisa

571.231

663.002

768.730

883.470

958.549

955.614

967.658

983.844

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

26.283

29.657

39.012

42.467

55.762

53.503

54.164

56.846

State Owned Banks Foreign Exchange Commercial Banks

BUSN Non Devisa

57.727

59.883

70.265

66.484

67.835

70.881

72.247

73.401

78.485

Non-Foreign Exchange Commercial Banks

BPD

106.411

159.476

170.012

185.252

200.542

201.383

205.754

222.972

224.377

222.088

237.912

239.920

235.574

246.419

247.621

242.442

239.141

Regional Development Banks

59.639

64.421

90.480

118.131

135.675

136.986

134.941

135.691

134.000

138.486

146.331

136.164

139.644

143.155

144.225

149.401

149.990

Joint Venture Banks

Bank Asing

140.679

156.083

176.278

233.674

204.502

208.522

210.707

221.644

213.384

223.088

212.556

217.878

219.422

219.770

222.104

226.625

222.347

Foreign Owned Banks

Total

1.469.827

Bank Campuran

34

1.693.850 1.986.501 2.310.557 2.534.106 2.502.016 2.517.014 2.563.662 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

Total



Tabel 1.32 Bank Umum Berdasarkan Total Aset (Commercial Banks Based on Total Assets) Desember 2004

Kelompok Bank

Desember 2005

< 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 2006

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

Desember 2010

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



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

1

1

3

0

1

1

3

0

0

2

3

0

0

2

3

0

0

0

4

0

0

0

4

State Owned Banks

BUSN Devisa

10

13

10

2

8

12

12

2

6

15

12

2

5

14

11

5

3

16

10

6

2

18

8

6

1

18

10

7

Foreign Exchange Commercial Banks

BUSN Non Devisa

31

7

0

0

30

7

0

0

28

8

0

0

26

9

1

0

24

8

1

0

21

9

1

0

21

8

2

0

Non-Foreign Exchange Commercial Banks

BPD

5

20

1

0

4

20

2

0

1

18

7

0

1

18

7

0

0

19

7

0

1

17

8

0

0

15

11

0

Regional Development Banks

Bank Campuran

5

14

0

0

3

14

1

0

2

14

1

0

0

15

2

0

1

8

6

0

1

8

7

0

1

7

7

0

Joint Venture Banks

Bank Asing

2

4

5

0

2

3

6

0

2

3

6

0

1

4

6

0

0

4

4

2

0

4

5

1

0

5

4

1

Foreign Owned Banks

Total

53

59

17

5

47

57

22

5

39

59

27

5

33

60

29

8

28

55

30

11

25

56

29

11

23

53

34

12

Total

35



Tabel 1.33 Peringkat Bank Umum Berdasarkan Aset (Bank Rating Based on Assets) Miliar Rp (Billion Rp) Desember 2004

Peringkat

Nama Bank (Bank Name)

Total Aset (Total Assets)

Desember 2005

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


Desember 2006





Desember 2007




Desember 2008




Desember 2009



Desember 2010

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



Rating

1

PT Bank Mandiri Tbk

241.462

18,98

PT Bank Mandiri Tbk

255.315

17,37

PT Bank Mandiri Tbk

255.988

15,11

PT Bank Mandiri Tbk

306.563

15,43 PT Bank Mandiri Tbk

340.181

14,72

PT Bank Mandiri (Persero) Tbk

375.239

15,00


410.619

13,65

1

2

PT Bank Central Asia Tbk

149.828

11,78


150.741

10,26


177.611

10,49


218.615

11,01 PT BRI Tbk

250.134

10,83

PT BRI (Persero) Tbk.

318.447

12,73

PT BRI (Persero) Tbk

395.396

13,14

2

3

PT Bank Negara Indonesia Tbk

136.303

10,71

PT BNI Tbk

150.600

10,25

PT BNI Tbk

168.863

9,97

PT BRI Tbk

204.009

10,27 PT Bank Central Asia Tbk

246.702

10,68

PT Bank Central Asia Tbk.

283.182

11,32


323.345

10,75

3

4

PT Bank Rakyat Indonesia

107.018

8,41

PT BRI

123.056

8,37

PT BRI

154.979

9,15

PT BNI Tbk

184.463

9,29 PT BNI Tbk

200.974

8,70

PT BNI (Persero),Tbk

226.911

9,07


241.169

8,02

4

5

PT Bank Danamon Indonesia Tbk

58.371

4,59


66.820

4,55


79.708

4,71


86.684

4,36 PT Bank Danamon Indonesia Tbk

104.842

4,54

PT Bank Cimb Niaga, Tbk

106.889

4,27

PT Bank CIMB Niaga, Tbk

142.932

4,75

5

6

PT Bank Internasional Indonesia Tbk

35.787

2,81

PT BII Tbk

47.311

3,22

PT BII Tbk

48.316

2,85

PT Bank Niaga Tbk

54.733

2,76 PT CIMB Niaga Tbk

69.305

3,00


96.806

3,87


113.861

3,78

6

7

PT Bank Permata Tbk

31.700

2,49

PT Bank Niaga Tbk

41.363

2,81

PT Bank Niaga Tbk

46.464

2,74

PT Pan Indonesia Bank Tbk

51.384

2,59 PT Pan Indonesia Bank Tbk

63.628

2,75

PT Pan Indonesia Bank, Tbk

76.270

3,05


106.508

3,54

7

8

PT Bank Niaga Tbk

30.824

2,42


35.917

2,44


39.229

2,32

PT BII Tbk

50.941

2,56 PT Bank Permata Tbk

54.220

2,35

PT BII Tbk

58.737

2,35

PT Bank Permata Tbk

74.040

2,46

8

9

PT Lippo Bank Tbk

27.826

2,19

PT Bank Permata Tbk

34.412

2,34

Citibank N.A

38.169

2,25

Citibank N.A

45.021

2,27 PT BII Tbk

54.068

2,34

PT BTN (Persero)

58.481

2,34

PT BII Tbk

72.030

2,39

9

10

PT Bank Tabungan Negara

26.760

2,10

Citibank N.A

33.008

2,25

PT Bank Permata Tbk

37.869

2,24

PT Bank Permata Tbk

39.131

1,97 Citibank N.A

53.503

2,32

PT Bank Permata Tbk

56.213

2,25

PT BTN (Persero), Tbk

68.334

2,27

10

Total

845.879

66,50

Total

938.543

63,85

Total

1.047.196

61,82

Total

1.437.557

62,22

Total

1.657.176

66,24

Total

1.948.234

64,75

36

1.241.544

62,50 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

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

1.339.752 1.565.103 1.851.990 2.242.282 2.464.256 2.452.293 2.465.617 2.498.726 2.519.629 2.554.073 2.622.523 2.626.125 2.655.514 2.691.238 2.748.821 2.746.843 2.831.871 1.216.190 1.446.264 1.742.691 2.108.571 2.321.463 2.293.328 2.303.854 2.348.324 2.370.632 2.397.919 2.469.467 2.475.979 2.501.832 2.536.267 2.592.740 2.589.642 2.691.806 64.863 67.604 65.257 80.607 86.232 100.958 101.655 93.217 93.043 97.630 94.251 94.967 96.562 97.923 97.310 97.489 87.271 18.077 10.909 6.901 11.472 11.729 14.186 14.116 12.725 12.774 12.972 11.440 11.359 11.493 12.173 13.343 12.391 10.529 11.581 5.955 3.523 5.500 9.591 8.849 8.976 9.100 9.403 10.369 12.715 9.315 8.823 9.274 9.468 10.206 8.797 29.040 34.370 33.619 36.131 35.241 34.554 36.314 35.360 33.832 35.183 34.650 35.804 36.792 35.466 35.961 36.995 33.469 58.698

51.234

44.043

53.104

56.560

57.589

4,38

3,27

2,38

2,37

2,30

2,35

695.648 583.543 59.516 15.337 11.062 26.191

59.406 57.185 56.009

2,41

2,29

2,22

58.524

58.805

2,29

2,24

56.478 57.108 56.913

2,15

2,15

2,11

48.057

40.767

41.872

47.548

48.830

7,56

6,07

4,07

3,20

3,31

3,47

50.582 48.908 47.066

3,54

3,36

3,17

49.207

47.332

3,21

2,98

48.265 49.333 49.185

3,02

3,01

2,96

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

58.772

59.591

52.794

Non Performing Earning Asset (Nominal)

2,14

2,17

1,86

Non Performing Earning Asset Ratio (%)

792.297 1.002.012 1.307.688 1.437.930 1.405.640 1.428.788 1.456.114 1.486.329 1.531.556 1.586.492 1.597.980 1.640.430 1.659.145 1.675.633 1.706.403 1.765.845 680.805 900.094 1.190.245 1.307.983 1.259.928 1.280.899 1.318.349 1.349.950 1.388.689 1.448.425 1.458.751 1.497.862 1.515.174 1.530.843 1.560.810 1.636.854 63.436 61.150 75.571 82.399 96.882 97.308 88.857 89.369 93.660 90.735 90.964 93.234 94.677 93.660 93.388 83.751 9.183 5.874 8.177 9.772 12.007 11.974 10.694 9.984 10.942 9.912 9.752 10.056 10.727 11.921 11.101 9.180 5.869 3.489 5.406 8.132 7.553 7.704 7.919 8.211 8.644 8.435 8.174 7.659 8.094 8.225 9.068 7.665 33.005 31.405 28.290 29.644 29.270 30.904 30.295 28.871 29.622 28.985 30.339 31.618 30.364 30.984 32.036 28.396

52.589

Indicator

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

51.130

52.205

45.241

Non Performing Loan (Nominal)

3,05

3,06

2,56

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

Indicator Jan

532.254 581.590 683.347 823.508 958.452 937.018 457.324 514.140 626.735 766.622 894.206 865.083 32.572 34.770 31.412 36.546 43.339 53.448 11.630 5.102 2.723 3.034 3.516 3.869 9.356 2.899 1.237 2.285 3.790 3.340 21.372 24.678 21.240 15.021 13.601 11.277

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

927.060 856.805 50.493 3.578 3.171 12.341

922.449 936.809 938.396 857.312 871.227 868.273 47.469 46.609 49.185 3.625 4.057 4.208 3.655 3.812 4.369 10.388 11.103 12.361

971.295 902.552 46.637 3.663 6.729 11.713

954.742 961.775 967.857 886.960 892.974 898.535 48.750 48.906 49.950 3.318 3.609 4.280 3.428 3.066 3.165 12.285 13.220 11.927

987.192 988.878 1.049.282 916.451 914.990 986.077 50.110 49.507 43.829 4.981 4.339 3.678 3.341 4.246 2.977 12.309 15.796 12.721


17.668 18.972 20.939

22.105

19.032 19.895 19.372

20.631 24.382

19.376


2,47

1,85


42.358

32.679

25.201

20.340

20.907

18.486

19.090

7,96

5,62

3,69

2,47

2,18

1,97

2,06

256.413 287.910 356.151 470.665 544.870 529.897 189.292 224.579 303.693 418.002 483.886 460.489 29.308 32.528 29.310 35.069 42.156 52.488 9.962 4.374 2.701 2.973 3.410 3.677 8.887 2.839 1.237 2.275 3.756 3.259 18.965 23.589 19.210 12.346 11.663 9.985

2,23

2,28

536.471 470.062 48.899 3.474 3.145 10.892

550.334 557.986 570.164 487.898 495.356 503.843 45.542 45.102 47.169 3.471 3.236 4.047 3.629 3.788 3.886 9.794 10.505 11.219

588.755 526.187 44.868 3.620 3.569 10.511

589.895 601.865 605.795 525.634 535.925 539.413 46.507 47.327 48.365 3.287 3.559 4.152 3.388 3.027 3.138 11.079 12.026 10.728

610.383 621.691 542.926 551.468 48.166 47.173 4.973 4.333 3.215 4.138 11.103 14.579

642.718 582.549 42.187 3.331 2.976 11.675


16.893 17.528 19.152

17.700

17.754 18.612 18.018

19.291 23.051

17.982


2,80


37.813

30.803

23.148

17.594

18.828

16.920

17.510

14,75

10,70

6,50

3,74

3,46

3,19

3,26

1,92

3,07

2,03

3,14

3,36

3,01

1,99

3,01

2,07

3,09

2,00

2,97

2,09

3,16

3,71



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

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Indicator

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

821.136 899.511 774.507 851.445 27.134 27.546 2.570 4.004 2.269 3.256 14.656 13.261

901.547 850.051 29.001 5.658 3.046 13.472

915.104 859.775 32.310 5.881 3.351 13.787

929.012 943.339 965.747 877.516 890.670 911.426 29.572 30.724 32.162 4.404 4.186 4.132 3.155 3.266 3.590 14.364 14.549 14.437

990.516 1.012.409 1.030.428 1.042.711 1.070.666 1.078.370 1.107.162 938.354 959.385 976.403 988.087 1.016.435 1.023.901 1.056.635 30.667 30.570 31.612 32.181 31.821 32.251 29.682 3.531 3.967 4.232 4.291 4.628 4.389 3.596 3.656 3.665 3.498 3.742 3.554 3.538 3.497 14.308 14.822 14.682 14.411 14.228 14.291 13.751


9.396

12.139 10.856

19.495

20.520

22.176

23.019

21.924 22.002 22.159

21.495

2,37

2,28

2,46

2,52

1,88

2,04

1,55

2,36

2,33

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

524.295 555.617 484.022 512.733 25.975 26.910 2.514 3.208 2.223 2.972 9.560 9.795

540.737 495.117 28.053 4.877 2.893 9.797

552.192 502.214 31.612 5.054 3.179 10.133

561.354 575.659 596.004 515.116 527.798 546.438 29.113 30.254 31.798 3.932 4.036 3.977 2.964 3.067 3.398 10.228 10.559 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

15.974

17.567

18.366

17.124 17.663 17.767

17.210

18.213 18.422 18.523

2,73

2,88

3,25

3,33

3,22

3,69

2,61

3,05

3,07

2,98

2,78

2,88

2,82

2,80

22.410

22.219

20.845


2,09

2,06

1,88


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

718.639 672.422 29.314 3.513 3.346 10.045


18.475

18.342

16.904


2,76

2,67

2,35


39



Tabel 1.37 Aktiva Produktif BUSN Non Devisa (Earning Assets of Non-Foreign Exchange Commercial Banks) Miliar Rp (Billion Rp) 2010 Indikator

2005 2006 2007 2008

2009

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


647

625

497

Rasio Non Performing Earning Asset (%)

3,52

2,39

16.842 15.323 787 167 95 469

Non Performing Loan (Nominal) Rasio Non Performing Loan (%)

Aktiva Produktif a. Lancar b. DPK c. Kurang Lancar d. Diragukan e. Macet

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

40

Indicator Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

50.318 48.063 1.463 217 128 448

48.628 46.073 1.699 187 170 499

49.256 46.460 1.896 205 168 527

51.216 48.629 1.649 198 205 536

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

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 66.013 1.766 301 227 760

468

792

856

900

939

948

984

1.192

1.179

1.166

1.233

1.328

1.257

1.288


1,44

1,24

1,57

1,76

1,83

1,83

1,82

1,80

1,88

1,98

1,91

1,93

2,04

1,94

1,86


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

35.104 32.555 1.698 187 170 494

36.231 33.445 1.895 205 164 522

37.570 34.988 1.648 198 205 531

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 45.765 1.731 300 201 760


732

594

460

468

787

851

890

934

947

981

1.173

1.099

1.162

1.206

1.275

1.256

1.261


4,34

3,11

1,93

1,73

2,20

2,42

2,46

2,49

2,46

2,42

2,58

2,53

2,59

2,62

2,75

2,65

2,59





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 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

2009

166.823 181.225 163.857 176.715 1.581 2.313 168 350 143 319 1.075 1.528

Indicator Jan

Feb

185.326 177.526 5.193 599 245 1.675

193.959 186.358 4.835 613 377 1.775

Mar

Apr

Mei

209.185 210.541 206.960 202.708 203.636 199.606 3.457 3.981 4.158 767 458 608 268 368 465 1.986 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 209.002 203.275 2.715 266 365 2.381



849

909

1.227

1.385

2.197

2.520

2.765

3.021

2.924

3.197

2.967

3.074

3.211

3.250

3.568

3.509

3.012


Rasio Non Performing Earning Asset (%)

1,00

0,69

0,87

0,83

1,21

1,36

1,43

1,44

1,39

1,54

1,41

1,40

1,49

1,43

1,55

1,65

1,44


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 93.449 116.386 1.579 2.308 160 332 142 236 1.056 1.492

120.372 112.800 5.186 510 245 1.631

122.361 115.041 4.772 526 290 1.732

124.765 127.329 129.472 118.421 120.621 122.343 3.444 3.892 4.068 682 451 582 267 367 375 1.951 1.997 2.105

132.740 125.386 4.485 342 415 2.113

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

143.707 138.072 2.669 261 362 2.343


834

892

1.209

1.358

2.060

2.386

2.548

2.901

2.816

3.062

2.870

3.050

3.157

3.181

3.544

3.482

2.966


Rasio Non Performing Loan (%)

1,86

1,59

1,68

1,41

1,71

1,98

2,08

2,32

2,21

2,36

2,16

2,25

2,29

2,28

2,49

2,42

2,06


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


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

Jan

139.962 142.584 133.713 135.915 3.697 3.718 958 1.168 483 589 1.111 1.182

Feb 140.658 133.946 3.928 1.185 494 1.089

Mar

Apr

Mei

141.132 140.215 145.505 135.131 134.211 139.555 3.268 3.264 3.186 1.149 1.159 1.170 431 413 429 1.152 1.167 1.165

Jun 152.669 146.087 3.643 1.274 409 1.255

Jul

Ags

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 154.045 148.116 3.207 892 365 1.464

Indicator

63.588 58.153 3.751 561 296 827

68.277 62.684 3.788 1.158 214 432


1.684

1.804

1.425

1.615

2.552

2.940

2.768

2.732

2.740

2.763

2.938

2.618

2.541

2.589

2.614

2.629

2.721


2,65

2,64

1,50

1,29

1,82

2,06

1,97

1,94

1,95

1,90

1,92

1,85

1,76

1,72

1,75

1,71

1,77


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

79.913 74.004 3.188 1.092 463 1.166

80.247 74.146 3.470 1.095 464 1.072

81.795 76.376 2.840 1.040 400 1.139

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


1.446

1.474

926

1.540

2.496

2.721

2.631

2.578

2.572

2.628

2.789

2.466

2.379

2.433

2.486

2.538

2.583


3,91

3,61

1,58

2,03

3,08

3,40

3,28

3,15

3,05

2,98

2,94

2,78

2,57

2,56

2,57

2,63

2,61




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

Jan

133.870 161.035 197.690 267.897 234.787 237.190 120.465 149.174 184.305 248.037 217.322 218.679 9.732 8.784 8.549 10.059 7.873 7.900 1.842 1.026 1.157 4.766 2.685 2.705 305 405 380 455 1.615 1.459 1.525 1.647 3.300 4.580 5.292 6.447

Feb

Mar

Apr

Mei

239.581 220.511 8.193 2.654 1.416 6.794

245.732 236.800 242.741 227.028 221.553 227.054 7.802 6.823 7.205 2.583 2.742 2.665 1.386 1.337 1.322 6.934 4.345 4.495

Jun 234.047 219.275 6.665 2.285 1.293 4.529

Jul

Ags

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 243.313 231.689 6.071 1.797 1.365 2.391

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

3.672

3.077

4.837

9.801

9.592

10.611

10.864

10.902

8.424

8.482

8.107

8.134

7.895

8.050

8.220

5.716

5.553


2,74

1,91

2,45

3,66

4,09

4,47

4,53

4,44

3,56

3,49

3,46

3,40

3,26

3,37

3,35

2,31

2,28


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 72.166 98.403 86.254 7.301 8.355 6.354 727 1.659 1.662 369 422 588 3.292 4.533 5.153

99.617 84.962 6.269 1.665 525 6.196

101.286 85.990 6.659 1.621 462 6.554

100.296 102.410 107.254 85.550 91.173 95.431 6.269 5.695 6.206 1.372 1.029 1.054 453 405 390 6.652 4.107 4.173

106.049 94.664 5.793 986 343 4.263

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

113.004 104.180 5.279 961 415 2.169

2.830

2.664

4.389

6.614

7.403

8.386

8.637

8.477

5.541

5.617

5.591

5.682

5.600

5.824

6.059

3.536

3.545


4,50

3,64

5,23

5,83

7,40

8,42

8,53

8,45

5,41

5,24

5,27

5,27

5,12

5,20

5,44

3,19

3,14


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


43



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

Jumlah Bank (Total Banks)

Group of Bank

Desember 2004 Desember 2005 Desember 2006 Desember 2007 Desember 2008 Desember 2009 Desember 2010 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

2

3

3

2

3

2

3

2

3

2

4

0

4

BUSN Devisa

29

6

27

7

25

10

30

5

30

5

30

4

33

3 Foreign Exchange Commercial Banks

BUSN Non Devisa

34

4

30

7

27

9

29

7

30

3

28

3

26

5 Non-Foreign Exchange Commercial Banks

BPD

21

5

24

2

25

1

25

1

24

2

25

1

23

3 Regional Development Banks

Bank Campuran

7

12

9

9

10

7

15

2

13

2

14

2

13

Bank Asing

6

5

8

3

10

1

6

5

5

5

6

4

8

99

35

101

30

100

30

108

22

105

19

107

14

107

Total

44

0 State Owned Banks

2 Joint Venture Banks 2 Foreign Owned Banks 15

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

1.857

2009 2.494

911 774 14.674 12.411 22 18 1.856 2.316 8.040 12.254 1.565

1.762

3.226 3.373 291 756 9.430 11.388

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

1.842

1.860

1.984

2.016

2.004

1.868

2.154

2.214

2.230

2.256

2.535

1.659

818 804 12.743 13.066 601 597 2.039 2.244 9.834 10.372

752 10.818 18 2.208 10.701

834 10.467 16 2.264 10.844

888 10.635 21 2.827 11.466

919 10.462 34 2.416 10.706

826 574 517 1.139 10.793 11.042 11.047 11.081 115 21 116 148 2.421 2.571 2.453 2.775 12.039 12.293 11.907 12.116

1.234 11.940 336 2.884 14.034

269 10.238 193 2.237 12.665

2.138

2.292

2.343

2.376

2.217

3.073

3.109

2.816

3.397 3.778 1.069 1.224 14.262 14.499

3.804 1.256 15.074

3.775 1.350 13.156

3.972 1.406 13.611

3.641 1.700 13.368

3.314 3.261 3.345 3.292 1.942 2.065 1.864 2.048 12.362 12.631 12.917 13.202

3.002 1.850 11.282

3.100 1.761 10.303

2.226

2.299

2.662

2.791

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 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

46

2010 2005 2006 2007 2008 2.177 669 21.458 170 2.463 5.354

2.004

2009

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

1.133

855

1.200

809

771

765

799

846

685

821

842

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

84 5.688 4 745 3.304

80 5.814 6 902 3.590

84 4.191 4 875 3.890

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

1.205

961

373

473

522

684

610

687

690

720

670

626

873

1.814 588 1.914

1.577 230 2.484

1.216 41 3.055

476 66 2.574

656 262 3.088

865 269 4.467

872 306 4.557

1.004 292 5.101

983 284 5.318

1.114 294 5.758

702 486 5.605

560 546 4.533

447 548 4.662

Sep 899

Okt

Nov

Des

950

1.270

712

49 898 4.381 4.262 7 38 854 934 5.287 5.468

952 5.110 46 1.068 7.504

104 3.794 60 752 6.079

710

721

615

546 600 533 553 4.758 4.877

650 577 5.152

881 699 4.285

705




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

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

727

952

730

756

1.031

813

877

919

920

934

941

994

1.002

939

918

905

680

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

351 3.508 593 607 5.062

344 3.706 585 661 5.110

252 3.305 4 599 5.021

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

728

808

431

1.047

559

694

740

788

846

866

768

892

962

1.251

1.539

1.560

1.365

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

2.166 586 3.186

2.519 613 3.209

2.454 641 3.143

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


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

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

1

6

16

3

17

19

20

26

27

28

30

33

30

28

3 67 7 151

0 37 0 20 134

1 91 36 169

5 72 93 173

4 82 1 99 188

7 92 1 118 245

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

16

12

12

45

47

43

42

36

8 105 0 111 268 37

36

37

41

39

41

49

98

67 25 219

72 14 129

93 19 151

196 29 213

201 22 223

213 22 236

169 28 215

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




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

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

97

108

145

188

217

165

168

251

238

164

187

284

315

342

334

314

221

3 19 130 278

6 26 1 105 285

4 34 191 407

3 87 2 266 423

3 84 4 494 667

16 180 4 576 635

17 195 5 568 831

62 251 9 598 889

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

19

36

21

22

79

134

126

155

151

103

95

97

102

116

101

106

67

98 20 172

65 16 245

100 19 287

86 14 268

176 18 319

73 165 438

82 171 385

83 179 425

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


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

Jan

28

67

53

38

838 2 1 137

593 3 94

953 13 124

86 1.232 13 318

0

309

-

6

414

524

52 78

19 141

197 194

64 16 314

64 14 321

1.067 1 154

7 8 153

38

Feb

Mar

Apr

Mei

38

30

37

36

111 111 1.209 1.186 15 11 424 416

108 1.150 11 418

107 1.158 11 392

477

478

477

505

64 14 315

62 14 307

62 19 309

61 19 319

Jun

Jul

Ags

Sep

25

23

23

16

109 70 1.160 1.260 14 13 405 438

27 1.074 13 357

24 1.066 14 254

503

501

519

518

59 15 405

59 13 399

61 13 406

61 13 423

Okt

Nov

Des

16

16

18

23 23 1.077 1.113 18 14 285 281

1.131 14 304

1.161 14 320

518

520

519

77 13 430

87 14 454

74 14 463




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

1.927 1.392 20 30

64 1.028 19 29

252 943 11 59

1

3

-

44 916

8 1.450

41

24 3 3.053

5 291 2.255 12 55 5

46 4 3.942

2009

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Economic Sector

Des

2

1

1

3

3

4

4

4

4

5

5

0

0

252 2.097 10 173

251 2.085 2 236

248 2.082 2 237

240 1.829 7 238

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

144

143

144

143

143

146

145

145

165

163

164

153

153

46 1 4.678

27 13 5.628

28 98 5.796

31 102 5.883

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

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

51



Tabel 1.49 Non Performing Loan Bank Umum Berdasarkan Sektor Ekonomi Per Lokasi Bank Penyalur - Desember 2010 (Non Performing Loan of Commercial Banks Based on Economic Sector by Banks Location - December 2010) 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)

53 7 611 9 49 236 6 67 28 96 110 68 35 64 0 48 5 10 14 2 23 63 15 2 3 4 15 9 1 2 2 0 0 -

31 1 83 0 5 11 2 0 3 2 5 1 3 0 0 3 13 0 42 1 7 37 0 19 0 0 2 0 0 -

746 77 5.592 40 505 1.471 2 17 165 915 8 119 29 64 0 29 86 2 5 0 26 242 29 0 0 7 3 7 0 1 4 1 2 43

3 6 142 0 1 4 6 0 1 9 18 0 0 2 -

223 93 679 30 58 78 8 2 91 269 10 48 53 11 2 15 58 5 118 12 7 152 42 0 5 28 4 56 14 41 15 8 2 -

1.414 325 4.084 114 1.062 1.612 49 123 288 785 156 225 204 85 5 300 106 64 151 33 133 343 182 30 43 48 93 208 67 23 30 11 10 257

20 5 2.364 2 14 130 1 1 8 80 24 9 7 19 0 8 12 1 75 1 1 14 3 0 1 6 1 3 1 2 0 0 1 -

246 29 1.840 24 52 63 2 8 16 49 7 17 20 31 0 15 27 31 89 2 4 62 37 0 0 2 1 63 0 1 0 4 1 356

358 16 852 7 38 82 4 5 28 46 5 15 7 9 5 6 3 52 1 17 42 6 45 3 1 5 48 24 1 8 1 1 19

1.659

269

10.238

193

2.237

12.665

2.816

3.100

1.761

Lain-lain (Others)

1.129 461 4.787 115 469 834 28 68 137 464 55 181 138 133 13 144 74 54 176 23 67 313 125 12 23 24 45 80 45 20 41 11 15 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

10.303 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

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

27.965 29.603

Total Modal Kerja

27.519

25.979

19.892

22.953

26.630

25.494 26.361

25.574

25.364 26.801

25.813

26.344

28.032

Total Investasi

20.467

15.509

12.230

9.607

9.719

10.810 11.283

10.103

10.426 10.866

10.204

10.454

9.732

Total Konsumsi

4.603

6.569

8.645

9.313

11.199

12.526 12.938

13.229

11.276 11.540

11.315

11.467

11.569

Okt

Nov

Des

Type of Use

32.816

27.456

9.355

9.421

8.436

Total Investment

11.897 12.172

9.969

9.348

Total Consumption

9.325

Total Working Capital

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

Total Modal Kerja

20.363

17.868

11.951

11.028

12.042

Total Investasi

15.630

10.535

8.221

4.092

Total Konsumsi

1.820

2.400

2.976

2.474

54

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Type of Use

9.921 10.242

9.649

9.780

10.914

10.114

10.200

12.604

11.892

13.208

16.862

12.277


3.858

4.055

4.125

3.834

4.172

4.392

3.903

3.788

2.282

2.270

2.160

2.280

2.319

Total Investment

2.928

2.944

3.143

3.410

3.576

3.847

3.682

3.767

3.726

3.856

3.923

3.908

3.385

Total Consumption



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

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Type of Use

Total Modal Kerja

3.446

5.385

5.311

7.512

9.288

9.493 10.037

9.887

9.915

10.139

9.703

10.346

9.793

10.238

10.191

10.013

9.580


Total Investasi

4.099

4.127

3.274

4.496

3.937

5.045

5.220

4.198

4.278

4.430

4.491

4.835

5.565

5.167

5.130

5.038

4.166

Total Investment

Total Konsumsi

1.388

2.118

2.050

2.290

2.750

3.028

3.108

3.040

3.470

3.199

3.016

3.032

3.064

3.118

3.155

3.291

3.158

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

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Type of Use

431

316

277

248

356

402

408

464

506

508

650

583

611

667

723

674

681


Total Investasi

70

60

55

69

219

230

256

256

230

244

272

277

305

315

313

338

321

Total Investment

Total Konsumsi

230

219

129

151

212

219

227

213

211

228

251

239

246

223

238

244

259

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

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Type of Use

Total Modal Kerja

421

446

670

776

1.394

1.484

1.687

1.880

1.846

1.973

1.905

2.088

2.184

2.170

2.363

2.253

1.934

Total Investasi

244

204

256

320

349

475

486

634

542

536

440

478

503

512

650

687

547

Total Investment

Total Konsumsi

169

242

284

262

317

427

375

386

428

552

525

485

470

501

530

541

485

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

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Type of Use

1.008

877

657

1.148

1.399

1.646

1.601

1.574

1.577

1.619

1.618

1.378

1.279

1.320

1.316

1.344

1.368

Total Investasi

359

456

116

198

783

759

719

701

687

690

770

689

695

690

740

741

752

Total Investment

Total Konsumsi

78

141

153

194

314

316

311

303

309

319

401

399

406

423

430

454

463

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

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

1.850

1.088

1.027

2.240

2.153

2.549

2.386

2.121

1.742

1.647

1.822

1.749

1.562

1.678

1.803

1.670

1.617

Total Investasi

65

127

309

432

573

246

477

479

517

574

328

387

381

370

361

336

330

Total Konsumsi

916

1.450

3.053

3.942

4.678

5.592

5.774

5.877

3.283

3.395

3.441

3.546

3.657

3.776

3.895

1.530

1.598

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 - November 2010 (Non Performing Loan of Commercial Banks Based on Type of Use by Banks Location - November 2010) 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)

2.556 476 11.765 201 1.668 3.256 70 202 508 1.759 213 393 339 226 10 400 240 80 396 49 195 751 277 76 39 86 109 216 96 61 60 22 12 650

607 113 4.840 38 176 562 8 29 137 537 117 117 63 72 0 53 80 42 164 5 52 247 48 6 20 31 15 181 20 12 8 4 6 25

1.061 430 4.428 101 409 698 23 60 124 415 50 174 94 118 10 123 68 48 162 21 55 273 116 8 19 22 42 77 38 19 36 10 13 1

27.456

8.436

9.348

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 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

2005 2006 2007 2008

2009

Jan

Feb

Mar

2.603 375 32.432 152 1.669 3.737 44 338 104 3.265 281 1.493 236 24 128 701 205 316 77 148 1.820 205 119 47 65 272 210 33 43 7 1.441

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

3.807 951 28.249 271 1.805 4.008 83 229 386 2.450 304 649 463 387 87 410 246 220 559 55 340 1.118 305 75 55 101 138 539 101 50 133 30 48 178

3.961 942 29.272 282 1.870 3.985 101 216 392 2.544 374 640 491 398 87 471 255 256 638 56 335 1.168 304 89 62 111 146 545 99 57 138 33 48 209

4.032 992 26.684 302 2.125 3.944 102 225 444 2.564 383 668 540 385 91 627 256 291 737 63 264 1.195 389 96 70 120 152 512 136 72 149 39 33 226

52.589

48.057

40.767

41.872

47.548

48.830

50.575

48.908

Apr 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

Mei 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

47.066 49.207

Jun

Jul

Ags

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

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

47.332

48.265

49.333

49.248

51.130

52.205

45.241

Location

Des

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

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

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Group of Bank

1. Bank Persero

-

-

-

270

196

130

138

136

144

140

136

133

139

131

143

144

146

1. State Owned Banks

2. BUSN Devisa

-

-

-

273

457

279

434

423

971

424

444

435

434

449

477

483

489

2. Foreign Exchange Commercial Banks

3. BUSN Non Devisa

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

3. Non-Foreign Exchange

-

Commercial Banks 4. Regional Development Banks

4. BPD

-

-

-

0

0

0

0

0

0

0

0

0

0

0

0

0

0

5. Bank Campuran

-

-

-

157

226

113

111

108

107

109

136

150

156

172

219

240

241

5. Joint Venture Banks

6. Bank Asing

-

-

-

2.505

3.029

1.282

1.340

1.370

1.359

1.388

1.387

1.419

1.441

1.437

1.516

603

668

6. Foreign Owned Banks

7. Bank Umum

-

-

-

3.205

3.908

1.804

2.023

2.037

2.582

2.062

2.103

2.138

2.171

2.189

2.356

1.470

1.543

62

7. Commercial Banks



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

2 0 1 0*) 2005 2006 2007 2008

2009

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Group of Bank

Des

-

-

8.178

7.812

9.784

7.508

7.969

8.674

8.996

9.882

9.069

9.418

9.716

9.474

9.890 11.770

10.459

1. State Owned Banks

-

-

1.130

1.195

1.661

1.985

2.123

2.301

2.325

2.523

2.497

2.627

2.666

2.676

2.863

2.863

2.362

2. Regional Development

-

-

6.942

7.440

8.467

8.764

9.026

8.938

9.225

9.407

9.107

9.448

9.626

9.841

9.840

9.921

9.505

3. Foreign Exchange

Banks 3. Bank Swasta Nasional

Commercial Banks 4. Bank Asing dan

-

-

1.331

2.356

2.809

5.441

5.630

5.834

2.881

3.014

2.854

2.743

3.024

3.453

3.111

2.069

1.749

Campuran Jumlah Ket: Lihat penjelasan hal. iv *) Sementara

4. Joint Venture Banks and Foreign Owned Banks

-

-

17.581 18.803

22.720 23.698

24.748 25.747 23.427

24.826 23.527 24.236 25.032

25.443 25.704 26.623

24.075

Total

Note: See the explanation page iv *) Provisional

63



Tabel 1.61 Non Performing Loan Rincian Kredit MKM Menurut Kelompok Bank (NPL Details of Micro, Small & Medium Credit and by Group of Bank) Miliar Rp (Billion Rp) Kelompok Bank

2 0 1 0*) 2005 2006 2007 2008

2009

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

1. Bank Persero Mikro Kecil Menengah 2. BPD

-

-

-

7.812 4.137 1.490 2.185 1.195

9.784 4.941 2.085 2.758 1.661

7.508 2.105 2.395 3.009 1.985

7.969 2.267 2.519 3.184 2.123

8.674 3.087 2.540 3.047 2.301

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 3.546 3.652 2.842 3.401 3.501 4.717 2.863 2.863

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

618 806 561 8.764 2.136 2.486 4.142 5.441

630 856 637 9.026 2.164 2.587 4.276 5.630

725 897 678 8.938 1.986 2.602 4.350 5.834

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

-

-

-

1.567 151 638

1.888 211 711

4.430 395 617

4.617 480 533

4.844 491 499

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

25.443 25.704 26.623

24.075

Ket:

64

*)

Sementara

22.720 23.698 24.748 25.747 23.427

24.826 23.527 24.236 25.032

Group of Bank

10.459 3.491 3.005 3.963 2.362

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 Note:

*)

Provisional



Tabel 1.62 Non Performing Loan MKM Berdasarkan Jenis Penggunaan (NPL of Micro, Small & Medium Based on Type of Use) Miliar Rp (Billion Rp) Jenis Penggunaan

2 0 1 0*) 2005 2006 2007 2008

2009

Jan

Feb

Mar

Apr

Jun

Jul

Ags

Sep

Okt

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

2.925 272 19 2.634

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

Konsumsi - KPR dan Apartemen s.d Tipe 70

-

-

-

6.046 1.430

7.212 10.135 10.564 10.933 1.631 2.038 2.075 2.066

8.154 2.141

8.819 2.499

8.359 2.491

8.433 2.465

8.653 2.448

9.197 2.517

- KPR dan Apartemen > Tipe 70 - Ruko dan Rukan

-

-

-

1.052

1.301

906

964

907

893

806

777

759

866

-

-

-

161

207

112

127

121

121

140

133

138

- Lainnya

-

-

-

3.403

4.073

7.079

7.398

7.840

4.998

5.374

4.959

5.071

-

-

- 18.803

Jumlah Ket:

*)

Sementara

12.667 10.752 11.230 11.889 12.261 264 966 1.015 928 999 285 15 16 22 24 12.119 9.771 10.199 10.938 11.239

Mei

2.811 217 48 2.547

2.955 258 8 2.689

22.720 23.698 24.748 25.747 23.427

Nov

Type of Use

Des 14.009 1.142 16 12.851

Working Capital - Property - Agro-business - Others

2.983 237 36 2.710

2.682 216 30 2.436

Investment - Property - Agro-business - Others

9.027 2.663

8.375 2.631

7.384 2.120

901

800

856

848

181

173

174

174

174

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

25.443 25.704 26.623

24.075

12.875 12.337 12.704 13.329 1.206 1.113 1.109 1.132 20 19 18 20 11.649 11.205 11.577 12.177

24.826 23.527 24.236 25.032

13.450 13.729 15.265 1.093 1.296 1.426 21 20 20 12.335 12.413 13.819

Total Note:

*)

Provisional

65



Tabel 1.63 Non Performing Loan MKM Berdasarkan Sektor Ekonomi (NPL of Micro, Small & Medium Based on Economic Sector) Miliar Rp (Billion Rp) Sektor Ekonomi

2 0 1 0*) 2005 2006 2007 2008

2009

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

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

-

-

-

1.134

1.441

636

604

781

798

725

615

826

866

865

861

918

702

-

-

-

100 3.774 8 888 6.301

93 2.603 18 1.183 7.879

90 2.471 12 1.111 5.981

82 2.517 15 1.157 6.441

95 2.476 17 1.073 6.816

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

-

-

-

394

414

594

560

575

594

595

587

577

565

586

599

563

458

-

-

-

1.108 270 6.736

1.074 1.117 757 804 9.402 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

Jumlah

-

-

-

20.712

25.443 25.704 26.623

24.075

Ket:

66

*)

Sementara

1.396 886 1.025 979 292 574 684 727 7.401 11.341 11.664 12.207

22.720 23.698 24.748 25.747 23.427 24.826 23.527 24.236 25.032

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 Note:

*)

Provisional



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

2 0 1 0*) 2005 2006 2007 2008

5.549

7.244

4.844

5.780

2009

4.895

Jan

Feb

5.060

5.359

29.670 35.766 38.318 40.613 27.403 27.160 18,70 20,26 12,64 14,23 17,86 18,63

Mar

Group of Bank

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

5.338

4.616

4.911

4.766

5.458

4.761

4.742

4.728

5.428

4.717

27.617 26.783 19,40 19,93

26.475 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

26.939 17,51

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

1.295

1.628

1.742

1.850

1.945

561

652

584

585

477

478

478

460

478

479

435

434

2.822 45,89

2.869 56,73

2.883 60,42

2.854 64,81

2.879 67,55

758 73,98

852 76,55

780 74,85

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

- 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

4

4

4

25

21

21

21

21

21

21

42 34,52

41 30,03

41 29,95

39 28,89

18 23,66

15 28,00

15 28,00

15 28,00

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

1.150

1.196

1.202

1.359

1.404

1.327

1.436

1.431

1.470

1.447

1.395

1.458

1.461

1.461

1.449

1.453

1.456

1.982 58,04

2.035 58,80

2.280 52,73

2.389 56,88

2.593 54,14

2.288 58,00

2.385 60,20

2.325 61,53

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

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

8.009 10.081

7.801

9.000

8.247

6.952

7.451

7.358

6.676

6.860

6.663

7.416

6.702

6.703

6.677

7.337

6.628

30.870 29.904 24,14 24,60

29.606 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 21,98

34.517 40.710 43.675 45.962 32.893 30.222 23,20 24,76 17,86 19,58 25,07 23,00

State Owned Banks - Non Performing Channelling Credit - Total Channelling Credit - Non Performing Ratio (%) Foreign Exchange Commercial Banks - Non Performing Channelling Credit - Total Channelling Credit - Non Performing Ratio (%) Non-Foreign Exchange Commercial Banks - Non Performing Channelling Credit - Total Channelling Credit - Non Performing Ratio (%) Regional Development Banks - Non Performing Channelling Credit - Total Channelling Credit - 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 - Non Performing Channelling Credit - Total Channelling Credit - 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 2004

Desember 2005

Desember 2006

Desember 2007

Desember 2008

Desember 2009

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






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

Indicator

Giro Rupiah Valas

245.722 170.843 74.879

25,51 17,74 7,77

281.412 193.854 87.558

24,95 17,19 7,76

338.011 249.564 88.447

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

535.855 383.808 152.047

22,91 16,41 6,50

Demand Deposits Rupiah Foreign Exchange

Deposito Rupiah Valas

420.990 351.460 69.530

43,71 36,49 7,22

565.033 455.038 109.995

50,09 40,34 9,75

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 1.069.811 39,05 928.089 7,07 141.723

45,74 39,68 6,06

Time Deposits Rupiah Foreign Exchange

Tabungan Rupiah Valas

296.394 295.905 489

30,77 30,72 0,05

281.492 281.268 224

24,96 24,94 0,02

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

733.157 678.621 54.536

31,35 29,02 2,33

Savings Deposits Rupiah Foreign Exchange

Total DPK Rupiah Valas

963.106 818.208 144.898

100 1.127.937 84,96 930.160 15,04 197.777

100 2.338.824 83,99 1.990.518 16,01 348.306

100 85,11 14,89

Total Third Party Funds Rupiah Foreign Exchange

68

100 1.287.102 82,47 1.093.445 17,53 193.657

100 1.510.834 84,95 1.284.797 15,05 226.037

100 1.753.292 85,04 1.460.443 14,96 292.849

100 1.950.712 83,30 1.638.454 16,70 312.258



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

Indikator

Desember 2004

Desember 2005

Desember 2006

Desember 2007

Desember 2008

Desember 2009








Indicator

Giro Rupiah Valas

83.211 63.449 19.762

22,15 16,89 5,26

94.322 70.509 23.813

21,86 16,34 5,52

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

194.533 152.770 41.763

21,65 17,00 4,65



151.350 128.831 22.519

40,28 34,29 5,99

200.719 166.542 34.177

46,53 38,61 7,92

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

380.106 328.677 51.429

42,31 36,58 5,72



141.171 141.048 123

37,57 37,54 0,03

136.356 136.153 203

31,61 31,56 0,05

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

323.767 311.891 11.876

36,04 34,72 1,32



375.731 333.328 42.403

100 88,71 11,29

431.397 373.204 58.192

100 86,51 13,49

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

898.405 793.338 105.067

100 88,31 11,69


69



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

Indikator

Desember 2004

Desember 2005

Desember 2006

Desember 2007

Desember 2008

Desember 2009








Indicator

Giro Rupiah Valas

87.642 60.240 27.402

21,72 14,93 6,79

91.163 58.170 32.992

19,70 12,57 7,13

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

195.216 133.895 61.322

20,02 13,73 6,29



181.537 162.725 18.812

44,99 40,33 4,66

248.892 217.098 31.794

53,79 46,91 6,87

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

464.038 407.603 56.435

47,58 41,79 5,79



134.351 134.323 28

33,29 33,29 0,01

122.692 122.671 21

26,51 26,51 0,00

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

316.054 294.034 22.020

32,41 30,15 2,26



403.530 357.288 46.242

100 88,54 11,46

462.747 397.939 64.808

100 85,99 14,01

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

975.308 835.532 139.777

100 85,67 14,33


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 2004

Desember 2005

Desember 2006

Desember 2007

Desember 2008

Desember 2009








Indicator

Giro Rupiah Valas

1.900 1.900 -

9,91 9,91 -

1.798 1.798 -

8,19 8,19 -

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

2.745 2.745 -

4,66 4,66 -



15.049 15.049 -

78,52 78,52 -

18.052 18.052 -

82,17 82,17 -

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

50.026 50.026 -

84,86 84,86 -



2.217 2.217 -

11,57 11,57 -

2.120 2.120 -

9,65 9,65 -

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 -

6.178 6.178 -

10,48 10,48 -



19.166 19.166 -

100 100 -

21.970 21.970 -

100 100 -

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

58.950 58.950 -

100 100 -


71



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

Indikator

Desember 2004

Desember 2005

Desember 2006

Desember 2007

Desember 2008

Desember 2009








Indicator

Giro Rupiah Valas

30.463 30.401 62

51,21 51,11 0,10

50.674 50.631 43

59,42 59,37 0,05

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

62.196 61.725 471

33,87 33,61 0,26



13.628 13.560 68

22,91 22,80 0,11

17.502 17.475 27

20,52 20,49 0,03

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

67.815 67.365 450

36,93 36,69 0,24



15.395 15.395 -

25,88 25,88 -

17.107 17.107 -

20,06 20,06 -

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

43.728 43.724 4

28,72 28,72 0

53.614 53.595 19

29,20 29,19 0



59.486 59.356 130

100 99,78 0,22

85.283 85.213 70

100 99,92 0,08

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

183.624 182.685 939

100 99,49 0,51


72



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

Indikator

Desember 2004

Desember 2005

Desember 2006

Desember 2007

Desember 2008

Desember 2009








Indicator

Giro Rupiah Valas

10.399 2.895 7.504

36,75 10,23 26,52

11.544 3.251 8.294

33,48 9,43 24,05

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

22.280 7.984 14.295

22,70 8,13 14,56



17.563 9.413 8.150

62,08 33,27 28,81

22.563 11.784 10.779

65,43 34,17 31,26

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

61.374 40.151 21.223

62,52 40,90 21,62



331 331 -

1,17 1,17 0,00

376 376 -

1,09 1,09 0,00

1.224 1.224 -

3,41 3,41 -

1.471 1.471 -

2,68 2,68 -

3.023 3.023 0

3,93 3,93 0

7.418 3.983 3.436

7,83 4,20 4

14.507 6.156 8.351

14,78 6,27 9



28.293 12.639 15.654

100 44,67 55,33

34.484 15.411 19.073

100 44,69 55,31

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

98.161 54.292 43.869

100 55,31 44,69


73



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

Indikator

Desember 2004

Desember 2005

Desember 2006

Desember 2007

Desember 2008

Desember 2009

Desember 2010








Indicator

Giro Rupiah Valas

31.352 11.744 19.608

41,92 15,70 26,22

31.911 9.495 22.416

34,66 10,31 24,35

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

58.886 24.689 34.197

47,35 19,85 27,49



40.556 21.149 19.407

54,22 28,28 25,95

57.305 24.087 33.218

62,25 26,17 36,08

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

46.452 34.265 12.187

37,35 27,55 9,80



2.888 2.550 338

3,86 3,41 0,45

2.841 2.841 -

3,09 3,09 0,00

3.442 3.442 -

3,74 3,74 -

7.730 3.690 4.040

6,83 3,26 4

14.071 4.654 9.417

10,96 3,63 7

17.203 6.222 10.982

14,63 5,29 9

19.038 6.768 12.270

15,31 5,44 10



74.796 35.443 39.353

100 47,39 52,61

92.057 36.423 55.634

100 39,57 60,43

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

124.376 65.722 58.653

100 52,84 47,16


74



Tabel 1.72 Peringkat Bank Berdasarkan Dana Pihak Ketiga (Bank Rating Based on Third Party Funds) Miliar Rp (Billion Rp) Desember 2004

Peringkat



Desember 2005




Desember 2006




Desember 2007




Desember 2008




Desember 2009



Desember 2010




Rating

1

PT Bank Mandiri

170.019

17,65 PT Bank Mandiri

198.893


197.438

15,34

PT Bank Mandiri

235.802


273.566

15,60


299.722

15,36


332.728

14,23

1

2


131.638


129.556


152.737

11,87


189.178


209.535

11,95


254.790

13,06


328.779

14,06

2

3


105.535

10,96 PT BNI Tbk

116.021

10,29 PT BNI Tbk

135.912

10,56

PTBRI

164.997

10,92 PTBRI

201.093

11,47


244.666

12,54


277.534

11,87

3

4


81.309

8,44 PTBRI

96.924

8,59 PTBRI

124.674

9,69

PT BNI Tbk

145.567

9,63 PT BNI Tbk

162.775

9,28


188.656

9,67


189.351

8,10

4

5


40.376


44.417


54.378

4,22


58.047


74.492

4,25


86.258

4,42


117.820

5,04

5

6

PT Bank Internasional Indonesia Tbk

29.495

3,06 PT BII Tbk

36.739

3,26 PT Bank Niaga Tbk

39.148

3,04

PT Bank Niaga Tbk

45.108

2,99 PT Bank CIMB Niaga Tbk

51.560

2,94


67.782

3,47


80.225

3,43

6

7

PT Bank Permata Tbk

25.974


34.389

3,05 PT BII Tbk

37.033

2,88

PT BII Tbk

37.006


46.254

2,64


56.307

2,89


75.055

3,21

7

8

PT Lippo Bank Tbk

24.852


28.302


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

59.979

2,56

8

9

PT Bank Niaga Tbk

24.740


27.290

2,42 Citibank N.A

27.062

2,10


31.364


42.803

2,44

PT Bank Permata Tbk

45.751

2,35

PT Bank Permata Tbk

59.512

2,54

9

10

Citibank N.A

19.909

2,07 Citibank N.A

25.978

2,30 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

PT BTN (Persero), Tbk

47.547

2,03

10

Total

653.848

67,89 Total

738.509

65,47 Total

823.735

64,00

Total

969.264

64,15 Total

1.140.078

65,03

Total

1.331.664

68,27

Total

1.568.529

67,06

75



Tabel 1.73 Komposisi DPK Berdasarkan Lokasi Penghimpunan - Desember 2010 (Composition of Third Party Funds Based on Location - December 2010 ) 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

26.828 8.261 215.235 2.696 12.569 28.483 840 2.234 4.217 14.009 3.401 7.719 5.734 3.928 1.209 2.759 3.794 2.909 9.354 1.865 1.134 4.824 1.717 261 262 813 1.260 5.243 1.942 995 5.560 354 1.398 1

5.445 2.394 112.669 404 2.466 7.107 15 352 182 3.802 386 1.490 1.469 3.156 197 564 756 523 2.532 55 67 847 274 1 13 105 90 2.045 21 39 950 55 26 1.551

72.688 18.933 177.639 11.509 51.077 85.022 2.916 7.415 8.729 42.460 11.413 18.117 16.425 7.355 4.767 8.915 11.693 13.090 21.182 5.245 4.674 21.031 5.851 1.239 1.326 3.795 5.015 16.497 5.585 2.951 9.184 1.703 3.177 3

3.635 786 30.959 286 2.080 5.889 21 157 70 2.653 115 382 444 1.321 86 180 374 278 1.487 35 73 474 233 0 11 60 67 1.361 63 33 111 5 48 759

70.970 22.934 553.336 7.515 35.181 80.528 890 3.012 5.611 40.995 5.370 9.031 15.814 3.845 2.227 4.098 4.656 6.122 14.035 1.670 1.486 10.424 3.271 121 565 1.186 2.009 11.931 2.553 1.660 3.348 624 1.042 25

6.803 3.223 107.767 509 2.232 7.964 9 84 43 4.693 143 403 672 623 158 231 300 149 1.321 18 27 437 208 0 14 12 31 771 44 32 381 7 55 2.354

170.485 50.128 946.210 21.720 98.827 194.033 4.646 12.661 18.556 97.465 20.184 34.867 37.974 15.128 8.204 15.772 20.143 22.121 44.572 8.780 7.294 36.279 10.839 1.620 2.154 5.795 8.284 33.671 10.080 5.606 18.092 2.682 5.618 30

15.882 6.404 251.394 1.199 6.778 20.960 45 593 295 11.147 645 2.275 2.585 5.100 441 976 1.429 950 5.340 109 166 1.759 715 1 37 177 189 4.177 128 104 1.442 68 130 4.664

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

7,97 2,42 51,21 0,98 4,52 9,19 0,20 0,57 0,81 4,64 0,89 1,59 1,73 0,86 0,37 0,72 0,92 0,99 2,13 0,38 0,32 1,63 0,49 0,07 0,09 0,26 0,36 1,62 0,44 0,24 0,84 0,12 0,25 0,20

Total

383.808

152.047

678.621

54.536

928.089

141.723

1.990.518

348.306

2.338.824

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 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

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

2009 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

1.127.937 1.287.102 1.510.834 1.753.292 1.973.042

Ket: 1 Data tersedia mulai Januari 2007

Location Jan

Feb

Mar

Apr

151.892 39.185 982.294 19.772 90.940 191.172 4.082 10.750 17.444 94.218 17.820 29.874 33.360 16.464 7.617 14.591 18.113 19.031 42.205 8.013 6.315 32.859 10.020 1.490 1.927 5.336 7.165 32.525 9.255 5.236 16.517 2.795 5.091 3.520

151.957 38.056 967.783 19.820 90.571 190.364 4.079 10.787 16.775 93.946 17.644 30.044 33.213 16.698 7.638 14.511 18.109 18.860 42.571 8.090 6.313 32.537 10.095 1.474 1.958 5.265 7.143 32.454 9.306 5.134 16.210 2.638 4.963 3.443

153.738 41.191 994.088 20.122 92.869 192.713 4.164 11.471 16.873 94.963 17.595 33.889 35.293 17.297 8.004 14.732 18.664 19.524 46.590 8.379 6.414 32.385 10.324 1.516 1.928 5.250 7.261 32.542 9.231 5.143 16.454 2.695 5.282 3.680

154.650 43.962 993.045 20.263 93.573 192.040 4.192 11.340 16.377 93.546 17.492 33.549 35.148 17.052 8.200 14.579 18.682 19.868 45.276 8.459 6.273 31.918 10.354 1.477 1.944 5.258 7.282 32.555 9.211 5.052 16.382 2.632 5.133 3.687

158.952 164.822 44.108 47.445 1.012.718 1.057.986 20.558 21.119 94.843 98.029 195.383 199.013 4.284 4.458 11.463 12.161 17.101 17.399 94.267 98.546 17.462 17.858 33.843 34.337 35.030 35.788 17.077 17.967 8.188 8.264 14.862 15.722 18.773 19.605 20.184 20.829 44.621 47.935 8.470 8.956 6.351 6.891 32.387 33.838 10.352 10.694 1.480 1.665 1.939 2.101 5.242 5.652 7.433 7.797 32.717 33.649 9.391 9.767 5.037 5.318 17.102 18.678 2.604 2.743 5.155 5.603 3.839 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

1.982.262 1.980.450

2.013.216 2.096.036

2.082.595 2.092.779

1.948.890 1.930.446

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

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

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

2.144.064 2.173.884

2.212.215

2.338.824

Total

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) 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

Feb

Mar

Apr

Mei

Jun

Jul

Indicator Ags

Sep

Okt

Nov

Des

-

-

-

2,90 1,05

2,39 0,41

1,76 0,29

1,80 0,28

2,07r) 0,26r)

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

-

-

-

10,71 3,40

6,77 1,74

5,62 1,19

5,68 1,21

5,60 1,30

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

-

-

-

11,17 4,18

7,45 2,14

6,87 2,15

6,67 1,60

6,69 1,58

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

-

-

-

10,32 3,94

7,89 2,32

6,99 2,17

6,84 2,18

6,96 1,62

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

-

-

-

10,34 3,08

9,54 2,72

7,33 1,83

7,12 1,27

7,84 1,74

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

-

-

-

3,11 1,21

2,79 0,50

2,27 0,34

2,30 0,34

2,54 0,35

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

Ket.: Data tersedia mulai Januari 2008 r) Revisi

78

Jan

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) 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

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Indicator Ags

Sep

Okt

Nov

Des

-

-

-

3,23 1,24

2,52 0,42

1,02 0,06

0,93 0,05

1,85r) 0,08r)

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

-

-

-

10,07 3,99

6,49 2,44

3,94 1,43

3,41 1,67

4,40 1,51

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

-

-

-

10,44 5,28

7,34 3,20

7,05 3,19

6,67 2,28

6,74 2,69

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

-

-

-

10,59 3,99

7,70 2,95

6,93 2,76

6,76 2,74

6,93 2,46

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

-

-

-

11,32 3,59

9,35 2,74

7,19 2,00

6,99 1,21

7,82 2,50

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

-

-

-

2,79 2,80

2,62 0,53

1,77 0,19

1,77 0,19

2,20 0,20

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

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) 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

80

2010 2005 2006 2007 2008 2009

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Indicator Ags

Sep

Okt

Nov

Des

-

-

-

2,61 1,80

2,09 0,68

1,91 0,63

1,93 0,62

1,80 0,53

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

-

-

-

11,20 4,18

6,85 1,71

6,00 1,47

6,13 1,46

6,24 1,43

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

-

-

-

11,55 4,82

7,31 1,85

6,57 1,43

6,36 1,31

6,38 1,53

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

-

-

-

9,86 4,26

7,68 2,06

6,39 1,61

6,30 1,33

6,42 1,55

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

-

-

-

9,56 3,10

9,09 3,04

6,58 1,56

6,32 1,52

6,83 1,54

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

-

-

-

3,32 0,82

2,88 0,79

2,61 0,62

2,73 0,63

2,84 0,67

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




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) 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

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Indicator Ags

Sep

Okt

Nov

Des

-

-

-

4,68 -

3,59 0,94

3,64 -

3,47 -

3,53 -

3,43 -

2,89 -

3,43 -

3,48 -

3,61 -

3,48 -

3,52 -

3,83 -

3,60 -

-

-

-

11,64 -

8,65 -

6,81 -

7,48 -

7,54 -

7,64 -

7,61 -

7,72 -

7,75 -

7,74 -

7,87 -

8,19 -

8,16 -

8,17 -

-

-

-

11,77 -

9,00 -

8,31 -

8,62 -

8,45 -

8,55 -

8,53 -

8,61 -

8,68 -

8,73 -

8,77 -

8,82 -

8,87 -

8,90 -

-

-

-

11,35 -

9,44 2,00

9,03 -

9,01 -

8,75 -

8,88 -

8,74 -

8,67 -

8,84 -

8,87 -

8,95 -

9,01 -

9,08 -

9,11 -

-

-

-

11,52 -

10,49 -

9,44 -

9,25 -

8,95 -

10,23 -

9,51 -

9,22 -

9,32 -

9,34 -

9,26 -

9,22 -

9,23 -

9,22 -

-

-

-

4,28 -

3,33 -

3,17 -

3,06 -

3,05 -

3,06 -

2,60 -

3,16 -

3,18 -

3,21 -

3,28 -

3,23 -

3,43 -

3,56 -


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) 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

82

2010 2005 2006 2007 2008 2009

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Indicator Ags

Sep

Okt

Nov

Des

-

-

-

3,16 1,33

3,02 0,79

3,13 0,76

3,13 0,74

2,86 0,70

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

-

-

-

10,07 4,03

7,69 3,22

7,26 3,04

7,16 2,90

7,35 2,75

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

-

-

-

9,41 3,27

8,28 3,96

8,07 3,88

8,08 3,30

8,13 2,86

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

-

-

-

10,18 4,47

9,16 4,18

8,92 3,79

8,67 3,72

8,22 3,72

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

-

-

-

8,74 3,25

11,33 4,48

9,83 3,30

9,35 3,11

9,12 3,06

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

-

-

-

3,62 1,88

3,37 2,11

3,15 1,36

2,84 1,56

2,88 1,66

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




Tabel 1.80 Suku Bunga Rata-rata DPK Bank Campuran (Average of Interest Rate of Third Party Funds of Joint Venture 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

Jan

Feb

Mar

Apr

Mei

Jun

Indicator

Jul

Ags

Sep

Okt

Nov

Des

-

-

-

1,46 0,33

2,62 0,20

1,91 0,20

1,63 0,26

1,85 0,17

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

-

-

-

11,06 2,91

6,44 1,01

6,57 0,92

6,54 0,92

6,56 1,00

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

-

-

-

12,63 3,93

7,06 1,55

7,24 1,29

6,95 1,23

6,91 0,94

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

-

-

-

11,14 4,07

7,78 1,40

7,62 1,19

7,51 1,16

7,30 0,96

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

-

-

-

10,76 2,49

8,97 1,83

7,42 1,65

7,78 1,79

7,37 1,98

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

-

-

-

5,04 0,75

2,83 0,41

3,24 0,39

3,16 0,38

3,12 0,29

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


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

84

2010 2005 2006 2007 2008 2009

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Indicator Ags

Sep

Okt

Nov

Des

-

-

-

1,16 0,10

0,86 0,09

0,62 0,05

0,93 0,04

1,11 0,04

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

-

-

-

10,03 1,23

5,85 0,28

4,68 0,19

4,51 0,19

4,26 0,18

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

-

-

-

11,65 2,39

6,57 0,66

5,10 0,49

5,07 0,45

5,19 0,42

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

-

-

-

10,64 2,63

7,18 0,77

5,85 0,53

5,73 0,53

5,43 0,47

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

-

-

-

9,87 3,45

9,67 2,42

8,13 0,76

8,01 1,04

8,12 0,75

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

-

-

-

3,98 0,17

2,67 0,08

2,48 0,04

2,52 0,04

2,55 0,03

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

35,94 0,51




Tabel 1.82 Peringkat Bank Berdasarkan Kredit (Bank Rating Based on Credit) Miliar Rp (Billion Rp) Desember 2004

Peringkat


Total Kredit (Total Credits)

Desember 2005

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



Desember 2006




Desember 2007




Desember 2008



Desember 2009




Desember 2010

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




Rating

1

PT Bank Mandiri Tbk

88.194

15,76

PT Bank Mandiri Tbk

100.780

14,49 PT Bank Mandiri Tbk

108.492

13,69

PT Bank Mandiri Tbk

125.280

12,50

PT BRI

161.130

12,32


206.117,20

14,53


241.020

13,65

1

2


61.518

11,00

PT BRI

75.352

10,83 PT BRI

90.295

11,40

PT BRI

114.361

11,41

PT Bank Mandiri Tbk

156.900

12,00


178.042,53

12,55


217.809

12,33

2

3


58.824

10,51

PT BNI Tbk

62.375

8,97 PT BNI Tbk

66.494

8,39

PT BNI Tbk

87.774

8,76


112.686

8,62


122.991,25

8,67


153.116

8,67

3

4


40.283

7,20


54.125


61.549

7,77


82.503

8,23

PT BNI Tbk

111.044

8,49


119.991,28

8,46


132.431

7,50

4

5


29.217

5,22


35.896


41.062

5,18


51.107

5,10


64.376

4,92


82.157,81

5,79


102.715

5,82

5

6

PT Bank Niaga Tbk

21.317

3,81

PT Bank Niaga Tbk

29.362


33.208

4,19

PT Bank Niaga Tbk

41.843

4,18

PT Bank CIMB Niaga Tbk

50.117

3,83


60.161,69

4,24


75.264

4,26

6

7

PT Bank Permata Tbk

14.841

2,65

PT Bank Permata Tbk

22.218


23.825

3,01


29.026

2,90


36.588

2,80


41.283,65

2,91


55.705

3,15

7

8

PT Bank Bukopin

12.974

2,32

PT BII

20.318

2,92 PT BII

21.190

2,67

PT BII

28.189

2,81

PT Bank Permata Tbk

34.880

2,67

PT Bank Permata Tbk

41.243,48

2,91

PT Bank Permata Tbk

51.529

2,92

8

9

PT Bank Internasional Indonesia

12.865

2,30

PT BTN

15.360

2,21 Citibank N.A

20.849

2,63

PT Bank Permata Tbk

25.989

2,59

PT BII

34.757

2,66

PT BTN (Persero)

40.718,93

2,87

PT BTN (Persero)

51.458

2,91

9

10

PT Bank Tabungan Negara

12.607

2,25


15.143


19.164

2,42

PT BTN

22.352

2,23

PT BTN

32.022

2,45

PT BII Tbk

37.114,12

2,62

PT BII Tbk

50.065

2,84

10

Total

352.640

63,03 Total

61,95 Total

486.126

61,36

Total

608.424

60,72

Total

794.500

60,76

Total

929.821,93

65,53

Total

1.131.112

64,06

430.930

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

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

-

-

-

14,38 7,73

13,10 5,60

11,52 4,57

11,54 4,42

12,12 5,07

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

-

-

-

14,83 5,44

10,95 4,47

10,11 4,27

9,93 4,49

10,30 4,12

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

-

-

-

13,92 6,62

11,81 5,43

11,51 4,92

11,46 4,84

11,39 4,65

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

-

-

-

11,27 6,28

9,42 4,29

8,95 4,24

9,22 5,31

8,98 5,04

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

-

-

-

14,18 6,89

13,30 6,07

13,26 6,08

13,06 6,43

12,68 6,05

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

-

-

-

15,69 7,58

14,67 6,20

14,59 7,06

14,54 6,87

14,55 5,53

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

-

-

-

12,72 6,49

10,45 5,76

10,17 5,26

10,34 5,43

10,41 5,74

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

-

-

-

14,22 6,52

13,01 4,94

12,25 3,74

12,14 3,79

12,34 3,92

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

-

-

-

14,67 5,02

14,59 5,49

14,31 1,08

14,15 0,68

14,05 0,67

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

-

-

-

15,71 3,85

15,74 0,67

12,68 3,36

12,70 2,17

13,96 2,76

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

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

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

-

-

-

14,63 6,44

13,27 12,66 5,02 4,31

12,68 4,32

12,95 4,31

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

-

-

-

13,99 7,01

12,55 12,41 5,88 6,16

12,43 6,11

12,21 5,60

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

-

-

-

15,82 3,85

15,81 12,63 0,67 2,42

12,60 1,11

13,91 2,10

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

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

Jan

Feb

4 3.881

4 3.884

Mar 4 3.884

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 4 4.189

State Owned Banks Total Banks Total Bank Offices

36 6.608

Foreign Exchange Commercial Banks Total Banks Total Bank Offices

31 1.131

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 6.187

35 6.214

35 6.234

35 6.240

37 6.249

36 6.249

36 6.331

36 6.358

36 6.383

36 6.424

36 6.507

BUSN Non Devisa Jumlah Bank Jumlah Kantor

37 709

36 759

36 778

36 875

31 976

30 969

30 978

30 978

31 979

30 980

31 982

31 1.024

31 1.026

31 1.052

31 1.059

31 1.103

Group of Bank

BPD Jumlah Bank Jumlah Kantor

26 1.107

26 1.217

26 1.205

26 1.310

26 1.358

26 1.365

26 1.369

26 1.369

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

Bank Campuran Jumlah Bank Jumlah Kantor

18 64

17 77

17 96

15 168

16 238

16 238

16 239

16 238

16 239

16 239

16 239

15 258

15 260

15 260

15 260

15 262

15 263

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

10 230

10 230

10 230

10 229

10 228

10 225

10 229

10 227

10 227

10 230

10 233

Foreign Owned Banks Total Banks Total Bank Offices

131 8.236

130 9.110

122 122 122 13.379 13.456 13.633

122 13.837

Total Jumlah Bank Jumlah Kantor

130 124 9.680 10.868

121 121 121 12.837 12.870 12.914

Ket.: 1) termasuk BNI Syariah yang mulai beroperasi pada bulan Juni 2010

88

121 122 123 12.933 12.944 12.958

1231) 122 122 12.972 13.246 13.318

Total Total Banks Total Bank Offices

Note: 1) including BNI Syariah which began operating in June 2010



Tabel 1.86 Perkembangan Jumlah Kantor Cabang Bank Berdasarkan Lokasi Bank - Desember 2010 (Growth of Total Branch Offices Based on Banks Location - December 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

2010 2005 2006 2007 2008 2009

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Location

Des

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

338 68 513 51 272 367 21 44 65 164 71 77 68 50 21 45 63 62 98 36 32 113 52 11 12 25 35 72 43 25 41 13 19 17

340 66 513 51 273 367 21 44 65 164 71 77 68 49 20 45 63 62 99 36 32 113 52 11 12 25 35 72 43 25 41 13 19 17

340 66 514 53 275 370 21 44 67 165 71 77 70 50 21 45 64 63 100 36 34 113 53 12 12 25 35 73 43 25 41 14 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

2.495

2.589

2.689

2.816

2.982

3.004

3.004

3.028

3.041

3.068

3.087

3.105

3.120

3.148

3.139

3.148

3.179

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

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Indicator Ags

Sep

Okt

Nov

Des

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

64.355 46.886 44.938 1.948 3.036 10.393 3.786

65.719 47.140 45.166 1.974 3.150 11.321 3.851

66.314 48.479 46.507 1.972 3.348 9.837 4.358

66.854 50.206 48.138 2.068 3.337 8.635 4.406

68.497 69.596 51.651 53.223 49.762 51.313 1.889 1.910 3.156 3.263 8.604 7.823 4.790 5.014

73.266 55.801 53.649 2.152 3.458 8.343 5.346

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

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

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

83 173 58.290 53.163 51.086 5.177 29.655 16.254 2.077 865 1.104 108 6 3.392 340 512 512 819 58

83 208 58.637 53.299 51.243 5.618 29.391 16.234 2.056 969 980 107 6 3.444 340 512 512 960 76

83 187 58.699 52.811 50.742 4.961 29.210 16.571 2.069 920 1.033 117 5 3.910 395 506 506 983 88

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

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

951 230 239 -76 132 2.395

991 268 355 27 142 2.358

1.017 275 481 149 132 1.761

1.752 335 432 152 466 2.824

1.946 449 790 315 468 3.076

2.279 449 83 959 135 3.373

2.279 449 179 959 135 2.972

2.284 449 328 907 135 2.425

2.637 465 425 824 689 3.027

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

20.880

26.722

33.016

49.555

66.090 67.436

67.963

68.543

70.146 71.125

75.205

78.140

79.641

83.454

85.881

90.387

97.519

22 436

23 509

29 568

32 790

32 1.146

33 1.233

33 1.302

33 1.364

33 1.347

33 1.388

34 1.391

34 1.410

34 1.477

Ket : 1) Tidak Termasuk Gerai Muamalat r ) Revisi

92

2009

31 998

31 1.108

34 1.230

34 1.268

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) 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

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

991 268 310 24 142 2.358

17.111 21.151 3 301

3 346

Ket : 1) Tidak Termasuk Gerai Muamalat

Jan

Feb

Mar

Apr

46.386 34.452 33.190 1.261 1.415 7.345 2.922

46.810 34.765 33.459 1.306 1.548 7.266 2.982

47.153 35.980 34.670 1.311 1.483 6.372 3.028

47.537 37.481 36.057 1.424 1.367 5.392 3.031

49.470 50.950 38.795 40.817 37.357 39.375 1.438 1.442 1.413 1.579 5.690 5.001 3.287 3.284

59.218 46.260 44.560 1.701 1.843 5.986 4.831

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

83 165 44.203 40.403 38.567 3.635 22.323 12.609 1.836 773 1.063 6 2.606 340 112 112 704 32

83 206 44.391 40.431 38.644 4.064 21.952 12.627 1.788 848 940 6 2.715 340 112 112 746 41

83 183 44.753 40.317 38.476 3.490 22.056 12.931 1.840 851 989 5 3.153 395 103 103 737 43

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

1.701 335 499 138 466 2.824

1.946 449 499 295 468 3.076

2.279 449 41 793 135 3.373

2.279 449 93 794 135 2.972

2.284 449 190 758 135 2.425

2.637 465 230 741 689 3.027

27.286 34.036

48.014

48.451

48.714

49.171

6 711

6 820

7 852

8 934

3 398

5 576

Sep

Okt

Nov

Des

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

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

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

51.095 52.687

61.123

64.122

64.804

67.783

70.108

73.532

79.186

10 1.058

10 1.113

10 1.111

10 1.151

11 1.154

11 1.171

11 1.215

10 970

Jun

Jul

Indicator Ags

9 918

Mei


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) 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

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Indicator Ags

Sep

Okt

Nov

Des

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

18.910 12.375 11.707 668 1.603 4.055 869

19.161 12.499 11.838 661 1.865 3.465 1.330

19.317 12.726 12.081 645 1.970 3.242 1.376

19.027 18.645 12.856 12.406 12.405 11.938 451 468 1.743 1.684 2.914 2.823 1.503 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

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

8 14.087 12.760 12.518 1.541 7.332 3.645 241 92 42 108 786 400 400 115 26

2 14.245 12.867 12.599 1.554 7.438 3.607 268 121 40 107 729 400 400 214 35

3 13.946 12.495 12.266 1.471 7.154 3.641 229 69 44 117 757 403 403 246 45

10 2 13.634 13.304 12.416 12.367 12.161 12.128 1.311 1.488 7.096 6.946 3.754 3.694 255 239 86 72 36 37 133 130 738 607 203 203 203 203 236 104 41 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

(28) (33) 2.395

45 3 2.358

16 81 6 2.599

51 (66) 14 2.824

291 20 3.076

42 165 3.373

86 165 2.972

139 149 2.425

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

3.596

5.571

9.252 15.519

18.076

18.985

19.250

19.372

19.050 18.438

14.082

14.018

14.837

15.671

15.773

16.856

18.333

19 133

20 163

25 287

25 288

25 294

25 299

23 244

23 251

23 236

23 237

23 237

23 239

23 262

Ket : 1) Tidak Termasuk Gerai Muamalat r ) Revisi

94

2009

26 170

27 214

195 83 3.027

25 312

24 298


Note : 1) Not including Muamalat Outlets r ) Revised



Tabel 2.4 Perkembangan Aset Perbankan Syariah (Growth of Assets of Sharia Banks) Miliar Rp (Billion Rp) Indikator

2010 2005 2006 2007 2008

Jan Bank Umum Syariah

17.111

Unit Usaha Syariah

3.769

21.151 27.286 5.571

9.252

Indicator

2009 Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

34.036

48.014 48.451 48.714

49.171 51.095 52.687 61.123 64.122 64.804

67.783 70.108 73.532

79.186

15.519

18.076 18.985 19.250

19.372 19.050 18.438 14.082 14.018 14.837

15.671 15.773 16.856

18.333

Syariah Commercial Banks 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

Indicator Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Pembiayaan

15.232

20.445

27.944

38.195

46.886 47.140

48.479 50.206

51.651

53.223 55.801 57.633

60.275

60.970

62.995 65.942

68.181

a. Lancar

41.931 41.329

42.058 44.065

45.505

46.725 49.310 50.812

52.845

54.240

56.237 59.092

63.006

Financing a. Current

14.027

18.583

25.494

35.076

b. Dalam Perhatian Khusus

776

891

1.319

1.610

3.074

3.757

4.120

3.867

3.837

3.958

4.321

4.433

4.960

4.324

4.271

4.222

3.114

c. Kurang Lancar

201

353

525

435

621

822

1.067

1.028

1.007

769

947

865

833

1.098

1.230

677

c. Sub-Standard

73

236

582

397

232

165

259

312

305

244

380

352

328

330

332

d. Doubtful

155

383

543

759

865

1.036

1.248

1.043

1.022

1.221

1.097

1.197

1.226

1.221

1.060

1.068

1.052

429

971

1.131

1.509

1.882

2.053

2.302

2.275

2.309

2.540

2.170

2.388

2.470

2.406

2.486

2.628

2.061

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

b. Special Mention

4,36

4,75

4,53

4,47

4,77

3,89

4,14

4,10

3,95

3,95

3,99

3,02

Non Performing Financing Ratio (%)



Tabel 2.6 Komposisi DPK Perbankan Syariah (Composition of Third Party Funds of Sharia Banks) Miliar Rp (Billion Rp) Desember 2004

Indikator

Nominal

Komposisi tdhp total DPK (%) (Composition to Total Third Party Funds) (%)

Desember 2005 Nominal












Indicators

Giro Wadiah Rupiah Valas

1.539 1.421 118

13,13 12,13 1,01

2.045 1.836 209

13,13 11,78 1,34

2.847 2.562 285

14,71 13,24 1,47

3.750 3.459 291

13,39 12,35 1,04

4.238 3.741 498

11,50 10,15 1,35

6.202 5.403 798

11,86 10,34 1,53

9.056 7.914 1.142

11,91 10,41 1,50

Wadiah Current Rupiah Foreign Exchange

Deposito Mudharabah Rupiah Valas

6.945 6.242 704

59,27 53,27 6,00

9.166 8.546 620

58,83 10.656 54,85 10.109 3,98 546

55,08 52,25 2,82

14.807 13.971 836

52,86 49,88 2,98

20.143 19.273 870

54,66 52,30 2,36

29.595 28.484 1.111

56,62 54,49 2,13

44.075 42.206 1.869

57,97 55,51 2,46

Mudharabah Deposits Rupiah Foreign Exchange

Tabungan Mudharabah Rupiah Valas

3.234 3.234 11.718 10.897 822

27,60 27,60 0,00

4.370 4.370 -

28,04 28,04 0,00

5.845 5.845 -

30,21 30,21 0,00

9.453 9.453 -

33,75 33,75 0,00

12.471 12.436 35

33,84 33,74 0,10

16.475 16.379 96

31,52 31,33 0,18

22.906 22.688 218

30,13 29,84 0,29

Mudharabah savings Rupiah Foreign Exchange

100 92,99 7,01

15.581 14.752 829

100 19.347 94,68 18.516 5,32 831

100 95,70 4,30

28.011 26.884 1.127

100 95,98 4,02

36.852 35.449 1.403

100 96,19 3,81

52.271 50.266 2.006

100 96,16 3,84

76.036 72.807 3.229

100 95,75 4,25



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

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

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

1,01 0,37

0,99 0,37

1,09 0,36

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

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

5,84 2,80

6,85 2,48

7,22 2,86

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

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

2,50 1,01

2,43 0,97

2,87 0,63

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

Mudharabah savings Rupiah Foreign Exchange

98



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

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

10,35

11,34

15,97

16,34

17,78

16,83

17,54

16,48

16,46

15,67

14,64

14,45

14,50

14,78

14,54

15,23

14,91

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

16,83 14,21 13,36 16,13 14,66 14,66 15,19 15,31 16,14 10,79 12,97 13,61 5,57 19,07

17,54 11,74 10,29 14,96 15,68 15,70 12,40 15,19 15,89 10,70 13,07 13,73 5,49 20,34

16,48 10,39 8,88 14,51 16,33 16,35 10,10 15,21 15,82 10,68 13,02 13,69 7,08 20,12

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 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 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 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

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

19,23 11,85 15,03

20,53 11,85 15,53

20,33 11,24 15,27

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

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

15,59 8,07 14,32 14,55 8,24 17,18 17,18 10,92 11,28 0,11

16,23 7,65 14,50 14,71 8,24 17,63 17,63 11,73 12,11 0,09

15,83 7,66 14,81 15,04 8,28 17,54 17,54 11,61 11,98 0,09

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 10,51 10,81 0,96

15,24 5,86 14,42 14,77 4,77 17,11 17,11 10,46 10,75 0,79

16,38 9,60 15,03 15,38 5,88 17,91 17,91 10,17 10,47 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

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

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

16,26 16,44 11,46

16,59 16,80 10,94

16,66 16,91 10,73

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

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

13,43 13,87 7,63

13,75 14,21 7,52

13,82 14,24 7,55

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

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

10,91 11,27 0,11

11,72 12,09 0,09

11,60 11,96 0,09

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

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

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Indicator Ags

Sep

Okt

Nov

Des

Penyaluran dana Pembiayaan Antar Bank Aktiva

-

-

1.107 877 230

1.591 1.257 334

1.995 1.587 408

2.002 1.587 415

2.034 1.654 380

2.060 1.691 369

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

Distribution of funds Financing 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

1.283 239 320 725 348 49 17

1.310 246 320 744 350 52 17

1.310 243 318 749 377 50 17

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

Source of Funds Third Party Funds Wadiah Savings Mudharabah Savings Deposit Mudharabah Interbank Liabilities Loan received Other Liabilities

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

733 440 5 30

735 439 9 25

739 444 16 13

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

Some Components of Capital Paid up Capital Reserve L / R year L / R year ago

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

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Indicator

Aset

-

-

1.203

1.693

2.126

2.139

2.180

2.203

2.260

2.324

2.374

2.447

2.429

2.522

2.619

2.615

2.739

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

1.587 1.470 38 22 56

1.654 1.530 44 22 58

1.691 1.566 44 25 55

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

Financing Current Sub Standard Doubtful Lost

Non Performing Financing (Nominal)

-

-

75

105

112

117

124

125

126

130

130

138

140

147

153

154

134

Non Performing Financing (%)

-

-

8,56

8,38

7,03

7,36

7,48

7,37

7,19

7,13

6,92

7,16

7,18

7,42

7,48

7,53

6,50

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

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Indicator

Bank Umum Syariah (BUS) Jumlah Bank Jumlah Kantor

3 301

3 346

3 398

5 576

6 711

6 820

7 852

8 934

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

Unit Usaha Syariah (UUS) Jumlah Bank Jumlah Kantor

19 133

20 163

26 170

27 214

25 287

25 288

25 294

25 299

25 312

24 298

23 244

23 251

23 236

23 237

23 237

23 239

23 262

Sharia Business Units Total Banks Total Bank Offices

-

-

114 185

131 202

139 223

140 262

142 265

143 266

144 271

144 271

145 275

146 276

146 277

146 278

148 282

149 283

150 286

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

Jan

Jan

Mar

-

-

-

-

-

-

12,58 4.531 - 36.000

-

-

-

-

-

-

-

-

-

-

-

-

-

2.258 - 44.091

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Ket : Data tersedia mulai posisi Maret 2010 r) Revisi

104

2009

Apr

Mei

Jul

Ags

Sep

Okt

Nov

Des

Indicator

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

95,14

95,60

95,52

95,29

95,75

96,12

96,07

96,84

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

1,45 573

1,54 637

1,42 615

1,76 794

1,76 826

1,70 833

1,89r) 963r)

1,77 936

Profitability NOM (%) - Net Operations Income

- 37.950

39.016 39.632

41.381

43.242

45.162

46.993

48.952

50.880r)

53.024

- Average Earning Assets

-

- 1,87508 900 - 48.003 79,26

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

-

-

-

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

ROA (%) - Profit - Average Assets (Operations Expenses / Operations Income (%) - Operations Expenses - Operations Income

-

-

-

18,17 6.974 - 38.392

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

Likuidity Short Term Mistmach (%) - Short-Term Assets - Short-Term Liabilities

-

-

-

92,97 - 37.481 - 40.317

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

94,88

1,71 649

824 1.040

12,12 15,54 4.936 5.746 40.719 36.975

Jun

95,22

1,40 545

1.122 1.387

CAR (%) - Capital - Risk Weighted Assets Earning Assset Quality Classified Earning assets to Earning assets (%) - Classified Earning Assets - Total Earning assets

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

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Indicator

Des

-

-

-

-

-

6

6

6

8

8

10

10

10

10

11

11

11

-

-

-

-

-

3 3

3 3

2 4

4 4

3 6

3 7

2 8

3 7

3 7

3 8

3 8

3 8

-

-

-

-

-

5 1

5 1

5 1

7 1

8 1

9 1

9 1

9 1

9 1

11 -

11 -

11 -

-

-

-

-

-

3 3

2 4

3 3

5 3

5 4

7 3

7 3

7 3

6 4

6 5

6 5

6 5

-

-

-

-

-

1 5

6

6

8

9

10

1 9

1 9

1 9

1 10

1 10

1 10

Ket : Data tersedia mulai posisi Januari 2010

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) 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

2010 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

Jan

Feb

Mar

28.332 28.894 29.482 8.065 8.033 8.060

17.722 18.155 18.457 8.355 8.455 8.597 3.772 3.768 3.907 526 515 511 362 403 355

Apr

Mei

Jun

Jul

Indicator Ags

Sep

30.195 30.858 31.495 32.066 32.835 32.834 7.861 7.700 7.649 7.676 7.115 8.215

18.797 19.013 19.297 19.558 19.751 20.299 8.713 8.872 8.734 8.960 8.698 9.047 4.040 4.061 4.354 4.321 4.492 4.569 516 485 476 481 490 486 281 299 269 269 296 274

Okt

Nov

Des

33.284 33.580 33.844 8.788 9.238 10.033

Fund Disbursements a. Credits b. Inter-Bank Assets

20.768 21.060 21.455 9.292 9.482 9.857 4.437 4.572 4.739 640 621 610 303 304 373

Source of Funds a. Third Party Funds Time Deposits Savings Deposits b. Inter-Bank Liabilities c. Loans received d. Immediate Liabilities

Beberapa Komponen Modal a. Modal Disetor b. Cadangan c. L/R Tahun Berjalan

1.908 484 604

2.333 697 509

2.776 828 663

3.241 1.098 849

4.072 1.033 1.158

4.094 1.091 112

4.178 1.113 240

4.185 1.175 382

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

d. L/R Tahun Lalu

131

129

38

-100

-118

812

626

367

41

-24

-85

-106

-107

-124

-126

-141

-157

108

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) Indikator

2010

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 28.012 29.496 5.691

78,64 79,17 79,79 80,77 81,49 82,04 28.343 28.905 29.496 30.211 30.877 31.514 29.822 30.328 30.905 31.470 31.804 32.227 6.218 6.183 6.063 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 33.314 33.609 33.878 34.360 35.209 36.420 6.239 6.356 6.450

LDR (%) - Total Credit - Funds collected - 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 1.932 28.001

7,24 7,21 7,03 7,03 6,78 6,53 2.051 2.083 2.072 2.122 2.091 2.057 28.332 28.894 29.482 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 2.259 2.277 2.070 33.284 33.580 33.844

NPL (%) - Non Current Credits - Total Credit

ROA (%) - L/R Tahun Berjalan - Total Aktiva

2,96 604

2,21 509

2,39 663

2,61 849

3,08 1.158

20.393 23.045 27.741 32.533

37.554

Jan

3,55 112

Feb

3,74 240

Mar

3,91 382

Apr

4,00 527

Mei

3,98 665

Jun

3,95 805

37.891 38.482 39.039 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

44.165 44.726 45.742

ROE (%) - L/R Tahun Berjalan

25,23 604

19,25 509

20,98 663

22,67 849

25,08 1.158

28,90 112

30,35 240

28,50 382

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

- Modal Disetor - Cadangan Umum

1.908 484

2.333 312

2.776 384

3.241 506

4.072 546

4.094 555

4.178 565

4.185 1.175

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

ROA (%) - Current Earnings (Profit/ Loss) - Total Aktiva ROE (%) - Current Earnings (Profit/ Loss) - Paid-In Capital - General Reserve

109



Tabel 3.3 Perkembangan Aset BPR Berdasarkan Lokasi BPR (Growth of Rural Bank Asset Based on Location) 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 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

2010 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 -

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 -

27.741 32.533 37.554

Ket ) : Perubahan lokasi sesuai pemekaran daerah mulai Juni 2010

110

2009

Jan

Feb

7.103 749 722 1.871 9.214 4.806 25 253 99 598 1.012 614 1.373 526 20 3.123 252 549 226 27 239 339 244 65 2 26 535 2.734 113 216 212 2 -

7.213 761 748 1.885 9.306 4.836 25 268 99 598 1.009 626 1.414 560 21 3.227 265 571 215 40 254 350 255 64 2 26 527 2.776 116 216 207 2 -

37.891 38.482

Mar 7.325 777 761 1.913 9.385 4.900 25 270 100 604 1.002 636 1.492 578 21 3.329 250 569 220 39 237 341 264 64 2 27 537 2.826 119 215 207 2 -

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

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 8.557 850 860 822 841 2.121 2.158 10.218 10.505 5.354 5.460 27 28 305 312 100 100 639 658 1.052 1.073 688 711 1.927 2.025 626 632 21 22 3.345 3.444 292 298 674 673 251 253 45 45 289 288 379 388 326 336 66 67 3 3 28 29 562 551 3.142 3.234 137 141 215 212 237 238 5 5 16 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 -

39.039 39.489

40.105

40.725

41.409

41.714

42.832 44.165

44.726

45.742

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

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Total Asset

Des

147

111

85

56

46

48

43

39

41

43

37

33

32

34

33

29

25

1.010

835

651

536

429

428

419

410

389

376

373

379

370

367

352

347

341

491

479

527

511

479

461

448

456

458

464

456

444

453

437

427

417

433

361

455

554

669

779

798

808

813

824

830

849

860

862

877

895

913

907

2.009

1.880

1.817

1.772

1.733

1.735

1.718

1.718

1.712

1.713

1.715

1.716

1.717

1.715

1.707

1.706

1.706

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) Kolektibilitas Kredit a. Lancar

2010 2005 2006 2007 2008

2009

Jan

Feb

Mar

Apr

Mei

Jun

Collektibility

Jul

Ags

Sep

Okt

Nov

Des

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 33.284 33.580 33.844

13.485 15.299 18.901 22.956 26.068

26.281 26.811 27.410 28.074 28.768 29.437 29.937 30.654 30.609 31.025 31.303 31.775

Credit a. Current

b. Kurang Lancar

404

473

407

1.039

457

547

592

576

589

574

545

580

605

623

635

624

514

b. Sub-Standard

c. Diragukan

494

482

319

342

335

339

346

359

374

396

390

397

401

410

413

423

398

c. Doubtful

d. Macet

271

694

913

1.135

1.140

1.165

1.146

1.137

1.158

1.120

1.122

1.151

1.175

1.192

1.211

1.230

1.158

1.169

1.649

1.639

2.516

1.932

2.051

2.083

2.072

2.122

2.091

2.057

2.129

2.181

2.226

2.259

2.277

2.070

7,98

9,73

7,98

9,88

6,90

7,24

7,21

7,03

7,03

6,78

6,53

6,64

6,64

6,78

6,79

6,78

6,12

Non Performing Loan (Nominal) Rasio Non Performing Loan (%)

112

d. Lost Non Performing Loan (Nominal) Non Performing Ratio (%)



Tabel 3.6 Non Performing Loan BPR Berdasarkan Lokasi (NPL of Rural Banks Based On Location) 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 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

2010 2005 2006 2007 2008

2009

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

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

425 72 36 92 652 167 1 14 34 37 72 32 14 35 1 90 9 19 27 1 4 14 6 3 0 4 45 132 4 2 7 0 0 0

425 59 37 100 664 173 1 14 36 36 61 34 14 28 1 97 9 19 30 2 5 14 8 3 0 4 51 144 4 3 7 0 0 0

423 62 37 99 648 170 1 14 36 37 65 34 12 30 1 98 9 20 30 1 4 12 7 4 0 4 56 144 5 3 7 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

1.170

1.649

1.639

2.516

1.932

2.051

2.083

2.072

2.122

2.091

2.057

2.129

2.181

2.226

2.259

2.277

2.070

Ket. : *)Perubahan lokasi sesuai pemekaran daerah mulai Juni 2010

Location

Des

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 2004

Jenis

Desember 2005

Komposisi thd Total DPK (%)

Desember 2006


Desember 2007


Desember 2008


Desember 2009


Desember 2010



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

7.860

70,42

9.421

71,48

11.190

70,95

12.701

67,85

14.204

66,56

17.280

67,63

21.455

68,52

Time Deposits

Tabungan

3.301

29,58

3.757

28,51

4.581

29,05

6.018

32,15

7.135

33,44

8.272

32,37

9.857

31,48

Savings Deposits

Total DPK

11.161

100

13.178

100

15.771

100

18.719

100

21.339

100

25.552

100

31.312

100

114

Total Third Party Funds



Tabel 3.8 Komposisi DPK BPR Berdasarkan Lokasi Penghimpunan - Desember 2010 (Composition of Third Party Funds of Rural Banks Based on Location - December 2010)

Lokasi

Tabungan (Saving Deposits)

Deposito (Demand Deposit)

Total DPK (Total of Third Party Funds)

Miliar Rp (Billion Rp)

Pangsa Thd Total DPK (%) (Portion of Total Third Party Funds (%))

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

1.391 118 120 473 3.094 1.107 11 49 19 217 506 247 199 220 5 380 66 238 72 15 52 82 75 27 1 6 190 743 43 46 35 2 8 0

4.670 391 480 1.038 4.435 2.390 8 195 22 276 323 278 1.559 251 16 2.047 111 309 105 13 78 177 207 29 1 8 176 1.588 65 59 132 2 18 0

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 0

19,36 1,63 1,92 4,83 24,04 11,17 0,06 0,78 0,13 1,58 2,65 1,68 5,61 1,50 0,07 7,75 0,56 1,75 0,56 0,09 0,42 0,83 0,90 0,18 0,01 0,04 1,17 7,44 0,34 0,33 0,53 0,01 0,08 -

Total

9.857

21.455

31.312

100


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

115



Tabel 3.9 DPK BPR Berdasarkan Lokasi Penghimpunan (Third Party Funds of Rural Banks Based on Deposits Location) 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 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

2010 2005 2006 2007 2008

Jan

Feb

5.136 399 433 1.316 6.521 3.022 16 196 63 441 714 426 1.111 395 18 2.048 166 452 146 13 86 189 176 54 1 11 320 1.876 76 104 154 1 -

5.247 413 448 1.327 6.608 3.036 16 205 63 440 705 434 1.146 418 19 2.136 180 468 137 25 109 198 186 53 1 11 317 1.912 78 119 156 1 -

13.184 15.771 18.719 21.339 25.552 26.077

26.611

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 -


116

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 -

Mar 5.360 432 455 1.338 6.687 3.090 16 208 64 447 708 445 1.215 436 19 2.163 163 472 142 24 91 190 193 53 1 11 323 1.952 82 115 156 1 -

Apr 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 -

27.055 27.509

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

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 -

Location

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 -

30.542 31.312


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

Jan

Feb

Mar

Apr

Mei

Jun

Indicator

Jul

Ags

Sep

Okt

Nov

Des

Tabungan

-

-

-

7,16

6,32

6,20

6,03

6,06

5,98

6,00

6,03

5,97

5,94

5,95

5,77

5,68

5,53

Deposito

-

-

-

12,43

10,81

10,64

10,60

10,54

10,51

10,47

10,37

10,38

10,33

10,34

10,23

10,20

10,25

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

1)

Okt

Nov

Economic Sector

Des

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

-

-

-

2. Perindustrian

-

-

-

32,87

32,38

32,38

32,25

32,47

31,78

31,60

31,57

31,55

31,38

31,16

-

-

-

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 5. Lain-lain

-

-

-

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

-

-

-

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

1. Agriculture, hunting and agricultural facilities 2. Manufacturing

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

Economic Sector

Des

1

Pertanian, Perburuhan, dan Kehutanan

38,42

36,76

38,29

1.

2

Perikanan

38,25

32,65

33,39

2.

Fishery

3

Pertambangan dan Penggalian

29,21

27,89

28,29

3.

Mining and quarrying

4

Industri Pengolahan

32,60

31,18

30,67

4.

Processing industry

5

Listrik, Gas dan Air

36,65

32,00

34,43

5.

Electricity, gas and water

6

Konstruksi

32,28

32,09

31,41

6.

Construction

7

Perdagangan Besar dan Eceran

32,85

33,03

33,14

7.

Wholesale and retail trade

8

Penyediaan Akomodasi dan Penyedian Makan Minum

26,75

27,76

27,99

8.

Provision of accommodation and the provision of eating and drinking

9

Transportasi, Pergudangan dan Komunikasi

32,61

30,15

30,12

9.

Transportation, warehousing and communications

10 Perantara Keuangan

26,42

24,36

25,28

10. Financial intermediaries

11 Real Estate

27,99

27,31

27,26

11. Real estate

12 Administrasi Pemerintahan, Pertanahan Dan Jaminan Sosial Wajib

29,68

34,99

35,78

12. Government administration, land and compulsory social security

13 Jasa Pendidikan

33,11

31,29

31,61

13. Education services

14 Jasa Kesehatan dan Kegiatan Sosial

31,00

30,40

30,51

14. Health services and social activities

15 Jasa Kemasyarakatan, Sosial Budaya, Hiburan dan Perorangan Lainnya

30,64

29,41

29,05

15. Social services, social, cultural, entertainment and other individual

16 Jasa Perorangan yang Melayani Rumah Tangga

32,82

33,62

31,07

16. Individual services which serve households

17 Kegiatan Usaha yang Belum Jelas Batasannya

29,26

29,49

29,35

17. Business activities are not clearly defined

18 Bukan Lapangan Usaha - Rumah Tangga

28,74

28,44

28,12

18. Not the business field - households

19 Bukan Lapangan Usaha - Lainnya

28,94

28,09

27,71

19. Not the business field - other

1)

Merupakan sambungan halaman 118

Agriculture, hunting, and forestry

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

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Type of Use

Modal Kerja

-

-

-

34,43

34,83

34,64

34,60

34,45

34,28

34,15

34,03

33,95

33,86

33,66

33,31

33,35

33,21


Investasi

-

-

-

27,67

30,37

30,52

30,28

30,22

29,84

29,66

29,46

29,22

29,32

29,26

29,95

27,81

29,01

Total Investment

Konsumsi

-

-

-

29,57

29,14

29,01

28,81

28,71

28,54

28,46

28,36

28,24

28,12

27,98

28,82

28,18

27,81

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

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Information

Jumlah BPR

2.009

1.880

1.817

1.772

1.733

1.735

1.718

1.718

1.712

1.713

1.715

1.716

1.717

1.715

1.707

1.706

1.706

Total Rural Banks

Jumlah Kantor

3.110

3.173

3.250

3.367

3.644

3.663

3.671

3.718

3.750

3.789

3.820

3.848

3.857

3.816

3.833

3.880

3.910

Total Bank Offices

121



Tabel 3.14 Perkembangan Jumlah BPR dan Kantor BPR Berdasarkan Lokasi - Desember 2010 (Growth of Total Rural Bank and Rural Bank Offices Based on Location - December 2010) 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

KPK

Total

376 72 25 54 263 337 3 11 5 53 103 28 35 17 1 24 22 18 13 2 9 22 16 6 1 4 29 137 9 2 6 2 1 -

187 22 8 18 444 151 3 4 12 24 30 6 14 9 1 27 3 4 6 8 4 17 4 2 45 24 1 4 6 -

133 32 21 113 249 416 4 3 4 22 9 1 7 6 1 4 5 5 3 9 2 4 59 1 2 1 -

696 126 54 185 956 904 10 18 17 81 155 43 50 33 2 57 26 26 24 2 22 29 42 12 1 6 78 220 11 8 13 2 1 -

1.706

1.088

1.116

3.910


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

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

37.178

45.180

56.901

77.412

63.199

65.604

69.591

73.425

76.540

81.890

85.573

87.783

87.522

87.743

89.002

90.999

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

32.215 42.894 271.187 247.440 18.475 24.560 58.753 64.225 259.632 301.382

39.667 238.855 26.885 52.277 223.586

40.799 241.991 24.499 53.072 235.575

42.823 242.383 24.705 55.054 262.691

44.053 246.979 25.076 56.485 266.550

47.406 253.652 25.619 60.935 271.845

52.455 264.973 25.501 61.703 287.727

51.058 259.077 24.388 61.563 310.641

53.236 264.026 24.717 63.288 316.466

53.991 261.339 29.146 64.259 318.569

53.124 259.112 30.281 65.370 318.181

57.112 264.012 31.339 66.669 325.737

61.365 275.404 34.116 63.500 339.639

19.829

27.068

36.807

73.213

79.841

74.251

75.666

75.705

76.696

76.727

72.980

74.788

74.493

74.409

74.775

75.142

72.628 10.029 208.378

78.455 12.040 227.690

109.748 13.882 283.970

152.302 150.843 15.747 17.038 369.596 438.923

124.928 26.892 529.510

132.661 27.812 532.521

136.084 28.612 518.505

141.885 28.811 527.360

147.895 28.297 542.671

149.735 49.101 536.679

142.985 48.858 540.857

149.543 53.844 552.736

160.830 46.897 562.099

162.984 48.353 576.077

170.330 46.086 581.340

179.398 44.232 602.049

695.648

792.297 1.002.012 1.307.688 1.437.930 1.405.640 1.428.788 1.456.114 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

62.579

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

Jan

Feb

Mar

Apr

Mei

22.407

25.993

31.275

38.451

47.095

34.845

36.447

40.112

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

15.440 92.009 15.235 17.688 65.761

17.013 89.997 14.481 18.669 66.585

18.702 91.221 14.402 19.711 86.583

18.721 91.949 14.437 20.469 86.381

19.003 92.747 14.631 22.039 84.933

5.890

8.113

22.880

28.517

34.473

28.549

28.904

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 3.772 157.513

25.751 4.116 224.581

29.706 4.338 230.685

31.922 31.436 4.804 4.982 213.973 217.916

256.413 287.910

356.151 470.665

544.870

529.897

536.471

550.334 557.986

13.857

Jun 46.488

Jul

Ags

Sep

Okt

Nov

49.777

51.022

49.914

49.390

22.525 21.877 101.813 94.579 12.857 11.465 22.276 20.829 91.893 120.978

21.569 94.836 11.557 21.220 118.351

21.568 94.531 13.979 21.242 116.940

21.076 91.884 14.600 21.793 113.798

24.975

24.662

25.040

25.534

31.487 4.410 228.535

24.422 12.332 11.059 10.492 226.475 222.591

18.020 9.971 230.657

18.139 9.851 234.590

19.406 9.769 243.133

22.397 24.761 9.464 9.341 245.525 257.664


570.164

588.755 589.895

601.865

605.795

610.383

621.691 642.718

Total

28.947

49.655

Des 49.474

Economic Sector

23.968 26.462 92.876 94.975 15.347 17.816 22.114 20.541 113.581 114.607 26.763

27.076

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

2009

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

18.972

19.915

19.165

20.065

22.268

23.669

23.915

24.446

25.359

26.744

27.313

29.033

Economic Sector

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 56.741 59.072 60.992 65.453 68.756 75.412 78.403 79.698 88.140 89.071 92.639 97.000 7.912 15.876 16.148 16.126 16.445 15.296 28.215 28.727 30.872 26.308 26.635 26.244 26.235 149.051 169.704 164.701 166.900 169.588 172.695 164.006 171.135 174.808 176.472 180.149 182.978 189.679

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

277.591

315.256

407.742 524.295

555.617 540.737 552.192 561.354 575.659 596.004 618.780

Total

15.212

19.032

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

14.403 13.877 13.330 14.054 14.671 16.916 17.677 17.551 19.302 19.277 19.223 19.665 20.649 87.315 84.284 88.009 87.103 87.833 89.468 91.829 95.530 98.395 98.245 98.273 102.327 108.878 7.449 8.079 8.120 8.044 8.259 8.751 8.871 9.281 9.442 9.923 10.307 10.491 10.574 25.640 21.721 21.976 22.722 23.261 24.833 25.310 27.548 28.160 28.410 28.002 28.537 28.423 131.868 119.680 128.536 133.403 136.942 142.960 150.494 146.337 153.090 154.151 156.592 162.463 174.537 31.269

31.804

32.386

32.844

33.143

34.060

33.298

34.202

35.651

632.629 653.864

34.500

33.879

33.458

33.630

660.785 668.876 686.115 718.639



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

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Economic Sector

829

274

323

153

374

332

239

476

472

526

564

486

444

457

445

396

418

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

300 2.017 48 947 6.347

267 2.022 52 691 6.133

321 2.287 54 1.059 6.846

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

633

617

690

817

1.506

1.092

919

1.262

1.239

1.361

1.454

1.426

1.452

1.312

1.307

1.318

1.387

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

4.803 783 18.433

5.971 750 19.186

5.147 808 19.310

5.488 794 19.764

5.820 833 20.790

6.674 1.259 23.422

6.519 1.245 22.445

6.842 1.336 23.168

7.233 1.393 24.041

7.197 1.390 24.582

7.360 1.401 25.407

7.755 1.444 26.019


16.842

19.114

23.863

27.122

35.700

35.104

36.231

37.570

38.554

40.497

45.390

43.358

44.815

45.936

46.318

47.313

48.757

Total

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

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

1.640

2.030

2.275

3.182

3.721

3.531

3.420

3.683

3.498

3.515

3.718

4.015

3.993

4.367

4.210

4.439

4.498

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

675 1.146 787 7.704 15.280

643 1.827 869 7.465 13.819

642 1.848 901 7.459 15.755

633 2.133 880 7.468 16.225

619 2.165 909 7.540 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

375

400

463

1.655

1.887

1.851

1.838

1.769

1.809

1.685

1.717

1.705

1.718

1.664

1.649

1.803

1.806

1.774 925 29.686

1.802 862 38.299

2.198 967 50.515

3.401 1.528 66.803

5.264 2.612 1.951 4.298 82.340 83.455

2.756 4.261 83.482

2.897 4.457 84.621

2.709 4.558 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

44.931

55.955

71.881

96.385

120.754 120.372 122.361 124.765

127.329

129.472 132.740

135.688 138.023

139.450 142.040

143.956 143.707




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

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Economic Sector

1.908

2.331

4.597

4.018

4.143

4.015

4.036

3.948

4.023

4.279

4.689

4.465

5.022

4.777

4.621

4.737

5.108

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

3.090 28.695 299 2.351 10.189

2.988 28.961 298 2.164 10.400

3.108 29.031 294 2.097 11.023

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

3.946 29.552 534 1.767 13.818

4.132 30.636 554 1.871 14.049

4.246 30.157 561 1.880 15.152

4.299 32.155 584 2.051 15.370

1.043

2.588

2.330

5.147

6.815

7.691

7.677

7.706

7.666

7.894

8.177

7.558

8.012

8.093

8.138

7.416

7.049

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

14.745 1.088 7.751

14.589 1.312 7.822

15.213 1.421 7.953

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

19.047 2.649 10.922

18.841 2.740 10.986

18.451 2.585 11.194

20.165 872 11.367


36.937

40.833

58.520

75.849

80.977

79.913

80.247 81.795

94.779 88.693

92.476

95.106

96.567

96.378

99.019

Total

84.391 88.165

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

Jan

Feb

Mar

Apr

Mei

1.681

3.397

3.220

2.366

1.850

1.504

1.548

2.207

2.239

1.958

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

6.317 30.023 2.356 2.105 7.789

6.560 31.153 647 2.113 8.167

6.006 30.608 1.031 1.996 8.612

6.263 33.155 1.124 1.997 9.755

6.967 35.841 996 1.750 10.297

862

2.322

2.039

5.756

3.218

2.930

2.883

3.180

3.281

3.311

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

20.277 730 25.586

20.568 1.003 26.644

19.914 996 25.747

20.379 580 23.638

21.415 1.186 23.533

62.935

73.230

83.856 113.372

100.011

Jun 2.761

Jul

Ags

Sep

Okt

Nov

Des

2.916

2.857

2.647

2.334

2.462

2.468

6.573 6.583 34.769 34.948 2.248 2.164 2.084 2.020 9.310 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

3.114

3.294

3.884

3.901

4.017

4.194

21.967 25.013 1.471 1.261 21.732 21.875

24.313 1.244 21.989

25.402 1.246 22.185

25.598 1.368 21.678

26.449 1.223 19.813

26.602 1.177 20.169

3.133

99.617 101.286 100.296 102.410 107.254 106.049 107.718 109.387 112.073 111.449 110.950 113.004




Tabel 4.8 Kredit Bank Umum Berdasarkan Sektor Ekonomi per Lokasi Bank Penyalur - Desember 2010 (Credit of Commercial Banks Based on Economic Sector by Region - Desember 2010) 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

2.105 101 46.717 228 1.315 3.324 188 1.193 145 12.173 2.002 4.843 3.282 129 54 2.268 1.859 1.889 1.289 3.128 157 472 207 75 54 144 78 512 21 37 155 7 16 833

446 93 54.993 8 138 759 77 41 67 241 219 144 51 109 459 68 416 39 1.696 21 37 118 37 0 1 31 9 93 4 2 43 0 4 903

21.493 4.283 148.077 770 18.516 41.401 193 647 1.234 20.177 1.405 1.686 1.858 2.637 305 1.733 971 936 1.143 154 199 2.459 347 10 27 58 69 850 18 19 309 20 157 1.245

163 28 31.274 41 84 510 12 27 12 664 6 67 47 163 14 19 90 72 159 5 22 53 13 0 0 1 2 11 20 8 24 0 0 504

3.779 1.357 34.763 204 1.570 4.299 150 265 825 2.579 235 913 1.638 902 293 397 645 411 2.698 201 204 1.972 388 12 86 240 205 485 222 222 664 133 417 126

27.498 4.648 125.553 2.929 28.062 40.940 1.374 2.915 3.455 18.982 4.940 6.432 6.295 2.433 781 5.966 3.683 3.407 6.450 1.163 2.754 11.940 3.342 503 1.009 1.479 2.223 9.001 1.589 743 2.120 534 955 3.542

6.898 192 53.126 100 1.236 4.219 46 127 35 1.591 403 752 320 605 19 497 741 745 1.725 59 93 659 91 1 39 38 42 177 24 44 52 11 64 370

6.487 4.537 136.665 867 3.617 6.329 153 484 363 2.423 800 1.883 1.161 1.017 35 710 1.180 578 3.490 85 165 1.732 553 16 11 154 141 1.377 59 43 147 42 79 2.012

3.984 1.112 21.481 412 1.682 3.420 80 193 240 1.158 348 627 392 314 50 771 276 399 1.800 107 100 1.534 198 242 108 51 111 873 299 80 512 92 32 1.156

66.365 25.114 211.482 6.613 42.823 50.036 3.479 5.749 9.795 27.129 9.694 11.979 12.511 6.185 1.727 6.589 7.318 6.811 12.065 3.916 5.378 20.720 7.861 1.312 2.303 3.900 6.629 10.943 5.619 2.792 4.386 1.404 1.320 104


Total

90.999

61.365

275.404

34.116

63.500

339.639

75.142

179.398

44.232

602.049

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

2009 Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Type of Use

Total Modal Kerja

354.557 414.749

533.240

684.672 703.002 632.386 633.769 684.434 694.706

726.200 759.819 758.082 813.406 818.168 819.581 853.121 880.208


Total Investasi

134.400 151.209

186.218

255.900 297.939 289.897 301.162 296.420 307.248

305.649 336.888 339.204 325.780 327.658 332.986 330.066 348.518

Total Investment

Total Konsumsi

206.691 226.339

282.553

367.117 436.989 483.357 493.857 475.181 484.375

499.705 489.785 500.694 501.243 513.319 523.066 523.216 537.118

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

2009 Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

122.724 148.675 188.052 249.782 269.867 222.299 221.720 256.491 256.325 259.033 273.607 272.746 312.044 309.786 309.259 322.530 333.006

Total Investasi

61.413 62.928

73.733

Total Konsumsi

72.276 76.307

94.366 124.646 156.009 188.991 194.922 173.039 177.219 188.224 183.455 187.175 183.893 189.408 192.995 190.606 195.816

96.237 118.994 118.607 119.829 120.726 124.443 122.907 131.693 129.973 105.928 106.601 108.129 108.555 113.896


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 Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

140.508 165.997 218.715 277.345 282.916 256.234 261.023 273.453 282.893 297.131 314.860 317.123 320.847 328.090 329.544 340.177 360.823 88.028 115.543 123.993 124.372 128.093 122.543 124.433 127.550 142.523 148.156 160.773 158.702 161.345 165.054 170.096

Total Investasi

57.821 67.699

Total Konsumsi

79.262 81.561 101.000 131.406 148.709 160.131 163.076 165.359 168.332 171.323 161.397 167.349 172.244 173.993 177.986 180.884 187.720

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

2009 Jan

Feb

Mar

Apr

Total Modal Kerja

6.693

7.861

8.952

9.609 12.113 11.543 11.509 12.431 12.708

Total Investasi

2.142

1.836

2.208

2.609

Total Konsumsi

8.007

9.417

12.704

5.549

5.283

5.942

5.894

6.134

14.904 18.037 18.278 18.780 19.245 19.712

Mei

Jun

Jul

Ags

13.266 14.883 14.143 14.658 6.490

7.122

6.805

7.021

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

7.490

24.014 24.555 25.382 25.991


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

2009 Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

30.92 31.172 29.719

Type of Use

15.709

20.717 25.268 23.325 24.874 26.062 25.418

26.762 27.975 29.151 33.374

30.430

4.574

5.690

8.896 13.169 13.674 14.086 14.522 14.219

14.553 14.678 14.748 14.596

15.509 15.923 16.719 17.205

Total Investment

29.645 38.261

50.481

66.773 82.317 83.373 83.401 84.181 87.692

88.157 90.087 91.788 90.053

93.512 95.205 96.064 96.782

Total Consumption

11.249 13.120 4.036




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

2009 Jan

28.592 29.882

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

62.441 63.071 65.169

Type of Use Total Working Capital

44.477

50.449 51.867 50.492

50.971 52.342 54.575

57.462 59.854 56.227 60.164

61.525

19.133 21.544 21.872 21.647 21.723 21.919

22.626 24.731 22.037 21.680

22.710 23.203 22.195 22.530

Total Investment

8.077 10.194 10.428 10.632

10.870 10.923 11.113 11.321

Total Consumption

Total Investasi

5.832

7.636

10.126

Total Konsumsi

2.513

3.315

3.917

6.267

7.565

7.550

7.629

7.730

7.897

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

2009 Jan

44.791 49.214 3.156

57.336

6.536

6.434

14.989 17.479

20.086

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Type of Use

76.771 60.971 68.493 63.673 63.655 62.787

72.546 68.640 68.691 72.318

73.447 72.868 81.290 76.215


6.089 11.565 11.013 16.098

11.523 16.141 17.484 15.783

17.105 17.180 10.493 17.301

Total Investment

23.120 22.871 24.351 26.048 25.627 23.524

23.185 21.268 21.544 21.286

21.521 21.402 19.168 19.488

Total Consumption

13.481 14.690



Tabel 4.16 Kredit Bank Umum Berdasarkan Jenis Penggunaan per Lokasi Bank - Desember 2010 (Credit of commercial Banks Based on Type of Use by Location of Banks - Desember 2010) Miliar Rp (Billion Rp)

Lokasi

Modal Kerja (Working Capital)

Investasi

Konsumsi

(Investment)

(Consumption)

Location


63.754 14.495 454.033 4.752 55.658 94.447 2.157 4.941 6.151 45.163 7.951 10.818 11.586 6.001 1.879 10.031 6.197 5.323 12.725 1.988 4.018 16.302 4.411 864 1.202 2.061 2.722 10.146 2.166 1.314 3.778 799 1.652 8.720

15.322 2.867 219.272 1.626 8.395 19.152 472 1.772 956 17.558 3.314 7.806 4.958 2.709 376 3.577 4.365 3.550 8.715 3.300 648 6.514 1.344 183 358 544 535 4.301 391 342 802 161 292 2.040

60.141 24.103 190.825 5.796 34.989 41.639 3.121 4.928 9.064 24.395 8.787 10.702 11.009 5.785 1.483 5.410 6.618 6.414 11.073 3.550 4.442 18.843 7.282 1.124 2.078 3.490 6.254 9.873 5.320 2.333 3.832 1.283 1.099 35


Total

880.208

348.518

537.119

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 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 1.405.640 1.428.224 1.456.114 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

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

Jan

Feb

Mar

Apr

Mei

Jun

112.289 31.205 690.323 10.116 81.171 125.317 4.711 9.005 12.225 70.749 15.642 23.970 21.535 11.748 2.474 15.760 13.510 11.132 24.646 5.636 7.128 31.452 10.484 1.712 2.663 4.707 7.285 19.297 6.548 2.916 6.102 1.682 2.241 8.256

115.828 31.266 696.370 10.289 83.266 128.143 4.794 9.122 12.674 71.896 15.941 24.275 22.116 11.869 2.518 16.192 13.704 11.383 25.346 5.744 7.286 32.125 10.654 1.778 2.780 4.817 7.524 19.634 6.717 3.023 6.235 1.724 2.311 8.882

116.807 32.563 705.215 10.503 84.321 132.120 4.897 9.430 13.305 74.342 16.491 24.999 22.865 11.976 2.640 16.478 14.138 11.808 25.738 5.897 7.471 33.432 11.031 1.830 2.891 4.936 7.786 19.977 6.955 3.148 6.580 1.821 2.443 9.279

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

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

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

2009 Jan

Kredit Kepada Pihak Tidak

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

681.214 779.716

987.064 1.298.182 1.419.711 1.390.064 1.413.415 1.439.111 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

570.781 669.203

885.304 1.181.095 1.290.058 1.244.562 1.265.792 1.301.686 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

Terkait a. Lancar

parties

b. DPK

59.346

62.683

61.070

75.304

82.184 96.722

97.095

88.602

89.146

93.428

c. Kurang Lancar

15.395

9.181

5.866

8.119

9.738 11.962

11.948

10.664

9.941

10.905

9.869

d. Diragukan

11.066

5.868

3.487

5.402

8.127

7.553

7.704

7.914

8.199

8.622

8.414

e. Macet

24.626

32.781

31.337

28.262

29.605 29.265

30.876

30.246

28.792

51.087

47.829

40.690

41.784

47.469 48.780

50.528

48.824

7,36

6,04

0,00

0,00

0,00

0,00

Non Performing Loan Pihak

90.380 90.634

a. Current

92.978

94.073 93.226

93.038

83.538

9.717

10.024

10.699 11.890

11.004

8.983

c. Sub-Standard

8.170

7.639

8.218

9.060

7.657

d. Doubtful

29.546

28.924 30.313

31.600

30.347 30.955

31.995

28.356

46.933

49.073

47.206 48.200

49.263

49.120 51.063

52.060

44.996

0,00

0,00

0,00

0,00

8.074

Tidak Terkait Rasio Non Performing Loan

Loan for non connected

b. Special Mention

e. Lost Non Performing Loan of non connected parties

0,00

0,00

0,00

0,00

0,00

0,00

0,00

Pihak Tidak Terkait (%)

Non Performing Loan of non connected parties ratio (%)

12.912

12.582

14.948

9.506

18.219 15.576

15.373

16.924

18.886

20.929

22.525 16.221

18.354

18.931 17.910

18.440

23.373

11.710

11.601

14.791

9.150

17.925 15.366

15.107

16.588

18.530

20.564

22.043 15.826

18.028

18.241 17.408

17.945

22.916

913

753

80

267

215

160

213

254

223

231

356

331

257

623

435

350

213

b. Special Mention

c. Kurang Lancar

43

2

8

57

34

45

26

29

43

36

43

35

32

29

31

97

197

c. Sub-Standard

d. Diragukan

15

1

1

4

5

0

0

5

11

22

21

4

19

21

7

8

8

232

224

68

28

40

4

27

49

79

76

62

26

19

18

30

41

40

289

228

77

89

79

50

54

83

133

134

126

65

70

68

68

146

245

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

Kredit Kepada Pihak Terkait a. Lancar b. DPK

e. Macet Non Performing Loan Pihak

parties

Terkait Rasio Non Performing Loan Pihak Terkait (%)

Loan for connected a. Current

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

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Indicator

Des

5.059

5.123

5.089

5.219

5.356

5.522

5.620

5.928

5.761

6.000

6.045

6.228

12.055 10.995

10.422

10.183

21.620

10.024

10.470

10.515

10.691

11.276

11.126

11.284

11.548

-

-

-

-

-

-

-

-

-

-

-

-

-

3. Non-Foreign Exchange Commercial Banks

3

2

1

2

3

2

3

1

1

1

3

3

1

3

4. Regional Development Banks

-

2.259

2.851

2.077

2.088

2.111

2.129

2.148

2.826

3.028

3.046

3.122

3.382

3.400

3.353

-

-

13.287

15.000 12.899

13.292

12.882

13.459

13.697

12.318

12.623

12.467

12.810

12.539

11.761

12.212

6. Foreign Owned Banks

-

-

29.701

36.051 31.030

30.926

30.268

42.429

31.227

31.136

31.787

32.134

32.972

33.051

32.492

33.345

7. Commercial Bank

1. Bank Persero

-

-

-

4.652

2. BUSN Devisa

-

-

-

9.501

3. BUSN Non Devisa

-

-

-

-

4. BPD

-

-

-

5. Bank Campuran

-

-

6. Bank Asing

-

7. Bank Umum

-

142

2009 6.143

1. State Owned Banks 2. Foreign Exchange Commercial Banks

5. Joint Venture Banks



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

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

6.874

7.707

7.680

7.694

7.585

1.868

2.021

1.779

1.992

1.843

1.762

1.902

1.839

2.144

2.136

2.135

2.039

1.173

1.536

1.461

884

618

315

294

263

256

256

597

591

576

231

227

208

208

sarana Pertanian 2. Pertambangan 3. Perindustrian 4. Listrik, gas dan air 5. Konstruksi

Economic Sector 1. Agriculture, hunting and agricultural facilities 2. Mining

1.603

1.188

1.193

1.363

1.205

957

1.383

1.823

1.951

1.991

4.266

2.511

2.512

2.493

2.493

2.464

2.480

3. Manufacturing

10.144

9.668

10.995

12.550

7.588

7.510

6.705

5.757

5.301

6.002

3.621

5.499

6.076

6.025

5.892

5.704

5.699

4. Electricity, gas and water

2.878 11.946

13.204

15.957

8.940

4.702

5.428

5.931

5.821

5.993

6.017

6.087

6.247

6.204

6.344

6.208

6.339

5. Construction

6. Perdagangan,restorandanhotel

379

908

1.217

766

630

3.879

3.905

3.673

3.726

3.884

3.828

3.943

4.097

4.075

4.162

4.111

4.168

6. Trade, restaurants and

7. Perdagangan,restorandanhotel

2.626

2.105

2.684

2.873

2.472

2.126

2.400

2.360

2.290

2.367

2.351

2.344

2.347

2.341

2.371

2.318

2.343

7. Transportation,

hotels warehousing and communications 8. JasaDuniausaha 9. Jasa sosial/masyarakat 10. Lain-lain Total

575

541

684

580

370

148

161

137

128

177

165

159

196

217

201

207

198

8. Business Services 9. Social Services

153

192

301

213

281

789

1.167

844

824

838

872

849

808

808

810

917

960

8.112

4.919

4.258

3.083

3.204

7.926

7.408

7.337

7.317

6.327

5.836

5.553

5.498

5.544

5.510

5.449

5.726

34.517 40.710

43.675

45.962

32.893 30.222

30.870

29.904

29.606

29.679

29.314

29.439

30.197

30.083

30.145

29.720

30.160

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

Indicator Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

2.972

2.839

2.846

1.070

1.270

1.190

1.206

1.098

1.097

1.096

1.097

1.092

1.101

1.101

9.976

11.359 13.386

6.203

6.699

1.299

1.518

1.828

5.527

5.655

5.459

6.092

6.056

6.060

5.930

6.001

21.031 26.328 297 405

27.797 28.434 424 261

23.355 331

22.423 333

18.965 79

19.127 138

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

800 534

240 365

310 221

306 200

83 199

82 165

57 6

48 6

48 6

57 7

57 7

57 9

58 9

57 10

94 24

57 10

57 17

316

362

522

403

346

344

8.747

8.763

8.556

8.481

8.719

8.682

8.828

8.864

8.897

8.918

9.078

4.552 493

5.505 649

5.496 641

5.519 597

5.615 599

5.617 602

895 8.344

1.011 8.281

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

29.471 34.555

37.538 39.846

27.142

26.674

20.984

21.578

20.889

20.651

20.747

20.455

21.147

21.053

21.065

20.714

21.090

34.517 40.710

43.675 45.962

33.356

32.893

30.222

30.870

29.904

29.606

29.679

29.439

30.197

30.083

30.145

29.720

30.160

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

Indicator Jan

Feb

Marr)

Apr

Mei

Jun

Jul

Ags

Sep

531.084 532.397 545.706 558.639 570.514 589.543 588.176 602.376 549.619 540.918 517.660 526.030 575.960 596.395 619.041 590.416 652.886 518.552

Okt

Nov

Des

611.650 623.121 644.093 654.605 686.775 719.285

-

-

-

-

-

3. BUSN Non Devisa

-

-

-

-

-

4. BPD 5. Bank Campuran 6. Bank Asing 7. Bank Umum

-

-

-

-

- 120.566 118.944 121.284 126.887 128.914 132.747 131.472 137.217 128.398 139.505 142.180 141.904 - 79.887 80.216 81.770 84.366 88.151 94.756 88.693 92.499 76.154 95.981 96.459 99.082 - 99.597 101.169 100.204 102.384 106.917 105.987 106.969 109.433 92.706 111.537 111.431 113.503 - 1.407.167 1.382.292 1.407.977 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

-

-

-

-

-

3. BUSN Non Devisa

-

-

-

-

-

4. BPD 5. Bank Campuran 6. Bank Asing 7. Bank Umum

-

-

-

-

- 120.372 122.361 121.511 127.329 129.472 133.435 132.639 138.323 129.858 141.073 143.956 143.687 - 79.913 80.247 81.795 84.391 88.165 94.779 88.693 92.476 76.130 95.937 96.378 99.020 - 99.617 101.286 100.294 102.410 107.254 106.049 106.824 109.387 92.668 111.449 110.950 113.004 - 1.405.640 1.428.788 1.456.114 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

Nilai Wajar Kredit 1. Bank Persero 2. BUSN Devisa

r)

Data Revisi

35.115

31.906

32.983

38.558

39.781

45.409

36.019

44.838

38.803

529.897 536.471 545.033 557.986 570.164 588.755 587.403 601.628 548.177 540.737 552.192 525.706 575.578 596.004 618.772 589.943 653.864 518.200 35.104

36.231

32.971

38.554

40.497

45.390

35.999

44.815

39.134

44.139

46.989

48.417

610.383 621.691 642.718 653.939 686.108 718.566 44.464

47.313

48.700

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

Indicator

2009 Feb

Jan 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

10.412 10.363 6.597

6.556

26.321 26.532

Mar

10.725 11.216 6.592

6.716

27.288 28.269

Apr

Mei

11.632 11.950 6.933

Jun

Jul

12.420

7.231

7.593

28.922 29.744

31.108

Ags

Sep

12.645 13.323 13.305 7.856

8.207

8.292

32.027 33.310 33.967

Okt

Nov

13.943 14.353

Des 14.624

Musyarakah Financing

8.895

8.631

Mudharabah Financing

34.831 36.214

37.508

8.411

Murabahah Accounts Receivable

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Piutang Istishna’

282

337

351

369

423

402

411

406

404

410

392

383

389

380

391

395

347

Lainnya

441

1.087

1.056

1.724

3.134

3.287

3.462

3.599

3.760

3.888

4.288

4.722

5.046

5.025

5.418

6.084

7.071

Others

15.232

20.445

51.651 53.223

55.801

62.995 65.942

68.181

Total

Piutang Salam

Total

146

27.944 38.195

46.886 47.140

48.479 50.206

57.633 60.275 60.970

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

Economic Sector

2009 Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

687

701

837

1.177

1.331

1.386

1.325

1.563

1.555

1.661

1.678

1.671

1.675

1.671

1.707

1.992

1.762

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

1.002 1.612 699 3.515 5.732

958 1.551 835 3.504 5.577

1.116 1.768 848 3.831 6.114

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

1.261

1.165

1.569

2.759

3.349

3.208

3.067

3.499

3.552

3.565

3.575

3.554

3.519

3.435

3.433

3.545

3.696

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 13.775 15.126 14.294 14.712 15.355 16.103 16.872 18.016 18.517 18.848 19.880 2.537 2.596 2.622 2.455 2.687 2.755 2.736 2.613 2.694 2.862 2.910 2.661 14.042 13.673 14.080 14.577 15.196 15.618 16.705 17.776 18.771 19.146 19.975 21.335

20.233 2.975 22.902

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

15.270 20.445

27.944 38.195

46.886 47.140 48.479 50.206 51.651 53.223 55.801 57.633 60.275 60.970 62.995 65.942

68.181

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

2009

Location Jan

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 Ket : Data tersedia mulai 2007

148

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

-

-

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 -

859 538 849 2.369 2.840 2.844 844 602 833 761 1.052 1.076 38 41 37 413 275 411 236 201 235 893 1.047 1.056 424 337 401 531 368 515 18.172 21.158 21.070 3.766 4.666 4.710 841 1.111 1.135 1.958 2.611 2.668 631 508 629 2.566 3.519 3.586 117 73 115 584 476 588 37 25 37 706 1.048 1.053 840 795 847 142 114 145 86 63 86 10 7 159 136 163 154 180 157 978 1.098 1.152 13 16 13 34 36 35 411 261 396 32 24 33 61 42 62 132 77 140 2 3

924 2.882 873 1.170 44 425 237 1.099 449 546 21.517 4.789 1.205 2.756 647 3.756 119 596 37 1.095 843 141 98 12 170 153 1.184 13 34 429 33 61 139 4

1.011 1.063 2.941 3.012 921 941 1.215 1.238 52 62 442 458 238 245 1.156 1.221 490 529 571 591 22.129 22.565 5.019 5.213 1.244 1.289 2.846 3.027 662 679 3.885 3.988 131 150 610 624 36 37 1.166 1.200 848 870 150 157 108 115 14 15 190 199 153 157 1.233 1.258 12 12 34 35 445 448 34 36 66 69 150 147 4 4

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

-

-

27.944

38.195 46.886 47.140

48.479

50.206 51.651

53.223 55.801

57.633

60.275

60.970

62.995 65.942

68.181

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

Economic Sector

2009 Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

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

-

-

-

1.Agriculture

2. Perindustrian

222

258

333

427

505

506

513

531

540

538

546

557

576

589

-

-

-

2.Manufacturing

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

3. Perdagangan, rumah makan dan penginapan

hotels

4. Jasa-jasa

1.458

1.769

2.096

3.824

-

-

-

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

-

-

-

5.Others

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

-

-

-

Total

Total

2.676

3.053

Ket : r) Revisi Data bulan Oktober 2010 bersambung di halaman 150 karena terdapat perubahan sektor ekonomi dalam laporan bulanan BPR

1)

3.083

3.165

3.248

3.367

3.473

3.562

3.662

3.769

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 Sektor Ekonomi

Economic Sector Okt1)

1

Pertanian, Perburuhan, dan Kehutanan

2 3 4

Des

2.526

2.701

2.565

1.

Perikanan

27

37

40

2.

Fishery

Pertambangan dan Penggalian

30

37

37

3.

Mining and quarrying

Industri Pengolahan

505

550

478

4.

Processing industry

5

Listrik, Gas dan Air

16

15

14

5.

Electricity, gas and water

6

Konstruksi

7

Perdagangan Besar dan Eceran

Agriculture, hunting, and forestry

8 9

227

257

259

6.

Construction

10.869

10.591

10.342

7.

Wholesale and retail trade

Penyediaan Akomodasi dan Penyedian Makan Minum

286

284

288

8.

Provision of accommodation and the provision of eating and drinking

Transportasi, Pergudangan dan Komunikasi

439

568

577

9.

Transportation, warehousing and communications

10 Perantara Keuangan

29

31

32

10. Financial intermediaries

11 Real Estate

60

69

66

11. Real estate

12 Administrasi Pemerintahan, Pertanahan Dan Jaminan Sosial Wajib

88

130

120

13 Jasa Pendidikan

51

60

56

13. Education services 14. Health services and social activities

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

1)

Nov

12. Government administration, land and compulsory social security

82

81

81

1.899

1.845

1.807

275

290

275

1.639

1.631

1.683

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

19 Bukan Lapangan Usaha - Lainnya

10.199

10.571

11.341

19. Not the business field - other

Total

33.284

33.580

33.844

Total

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

845 215 5.877

969 239 6.326

1.198 311 7.049

1.514 396 8.523

1.763 400 8.892

1.791 398 8.951

1.837 403 9.151

1.871 420 9.318

1.176 516 8.630

1.452 508 9.494

1.678 540 10.776

2.053 521 13.007

2.19 918 14.169

2.286 932 14.359

2.266 930 14.587

41 7 165

89 19 389

142 22 667

231 31 805

226 29 512

225 27 505

233 29 516

238 30 514

282 78 572

317 88 902

418 129 1.379

623 156 1.846

594 210 1.571

517 218 1.491

595 228 1.601

-

75

127

168

237

246

-

310

456

615

880

5.452 5.452

6.167 6.553

7.802 8.386

9.836 10.619

14.654

16.948

20.540

25.472

Apr

Mei

Jun

Jul

Ags

Sep

Okt1)

Nov

Des

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

-

-

-

- Vehicle Loans

11.143 12.261

11.331 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

28.001

28.332

28.894

29.482 30.195

30.858

31.495

32.066

32.835

32.834

-

-

-

Total

Ket : 1) Data bulan Oktober 2010 bersambung di halaman 152 karena terdapat perubahan sektor ekonomi dalam laporan bulanan BPR

Note :

1)

Investments - Agriculture - Manufacturing - Trading, restaurants and hotels - Social Services - Others Total Investments Consumption - Housing Loan (mortgage) secured by first mortgage in order to live

October 2010 data continued on page 152 because there are changes - economic sector in the rural bank's monthly report

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 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 - 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 - 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

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

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

361

373

382

677 13.164 14.201

651 13.380 14.403

1.072 13.672 15.126

- Vehicle Loans - Other consumer credit Total consumption

33.284

33.580

33.844

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 - Government administration, land 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 - Government administration, land 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

2009

Location Jan

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

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 -

14.659

16.948

20.540

25.472

Ket : ) Lokasi disesuaikan dgn daerah pemekaran mulai Juni 2010

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

4.812 575 491 1.492 7.449 3.597 19 184 99 439 762 392 878 345 12 2.380 192 300 153 20 202 268 202 51 2 20 428 2.113 85 181 186 1 -

4.892 571 508 1.513 7.567 3.679 19 188 99 444 771 405 922 364 13 2.461 190 308 153 22 199 277 208 52 2 20 433 2.170 90 174 179 1 -

4.976 588 520 1.534 7.680 3.767 19 192 101 451 779 416 969 363 13 2.567 188 304 155 26 186 279 212 52 2 20 440 2.231 94 177 179 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 -

28.001 28.332

28.894

29.482

30.195

30.858

31.495

32.066

32.835

32.834

33.284

33.580

33.844

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 -


Note : Change location accordance region expansion since Juni 2010

-

153



Tabel 4.29 Kredit MKM Menurut Sektor Ekonomi (Micro, Small & Medium Credit based on economic Sector) Miliar Rp (Billion Rp) Sektor Ekonomi 1. Pertanian 2. Pertambangan 3. Perindustrian 4. Listrik 5. Konstruksi 6. Perdagangan 7. Pengangkutan 8. Jasa Dunia Usaha 9. Jasa Sosial 10. Lain-lain Total Ket: lihat penjelasan hal. iv * Sementara

154

2 0 1 0*) 2005 2006 2007 2008

2009 Jan

12.642

13.924

16.114

19.424

22.592 12.657 2.203

971

1.311

1.527

1.823

32.480

36.647

37.796

46.045

245

1.483

286

560

7.709

10.123

13.241

17.114

4.261

44.083 47.841 705

606

19.291 16.652

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

12.641 14.838 14.971 14.918 15.905 18.914 18.007 17.640 17.057 16.844 3.894

5.325

7.041

49.449 49.920 49.437 50.410 51.892 51.884 53.992 53.771 53.388 53.733

55.434

643

698

6.234

679

6.892

738

7.198

878

6.096

945

6.317

968

6.585

17.128

6.617

620

5.572

Des

1.866

1.358

964

16.645 17.536 17.999 20.168 20.471 20.783 21.438 21.845 22.854 23.205

21.655

87.515 107.288 134.574 157.132 187.980 137.899 142.988 163.912 164.564 164.945 173.311 190.340 194.145 192.389 190.067 193.706 195.489

Economic Sector 1. Agriculture 2. Mining 3. Manufacturing 4. Electricity 5. Construction 6. Trading

6.485

6.605

7.200

8.639

9.306 11.216

11.303 11.596 11.687 11.684 12.124 12.405 11.964 12.068 12.325 12.395

12.398

7. Transportation

20.657

23.514

30.519

40.851

44.128 41.589

44.842 48.293 49.048 49.636 47.628 46.263 46.986 52.817 53.461 53.764

56.679

8. Business Services

5.292

6.020

6.670

7.586

8.746 13.700

14.146 14.436 14.614 15.161 30.973 30.429 35.316 29.150 30.194 28.292

28.299

9. Social Services

180.912 203.528 254.870 334.773 396.293 405.133 411.801 454.773 461.690 476.981 475.850 471.475 481.023 492.767 505.628 516.631 531.695 354.908 410.442 502.796 633.945 737.385 689.497 708.329 781.273 790.279 810.816 835.784 850.569 869.913 879.731 893.425 906.545 926.782

10. Others Total

Note: see explanation page iv * Provisional



Tabel 4.30 Kredit MKM Menurut Jenis Penggunaan (Micro, Small & Medium Credit based on type of use) Miliar Rp (Billion Rp) Jenis Penggunaan Total Modal Kerja Total Investasi

2 0 1 0*) 2005 2006 2007 2008

Jan 142.633 171.118 204.765 247.442 33.049

37.147

44.578

54.209

Type of Use

2009 Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

279.264 246.809 256.181 291.424 293.068 298.053 313.167 317.244 341.675 337.936 340.147 346.006 63.762 65.885

69.053

69.427 69.865

69.731 82.872

84.759

79.803

79.795

Des 353.218

82.027 82.627

84.590

Total Working Capital Total Investment

Total Konsumsi

179.225 202.177 253.453 332.294

394.359 376.802 383.095 420.423 427.347 443.032 439.745 448.565 448.435 462.001 471.250 477.912

488.974

Total Consumption

Jumlah

354.908 410.442 502.796 633.945

737.385 689.497 708.329 781.273 790.279 810.816 835.784 850.569 869.913 879.731 893.425 906.545

926.782

Total

Ket: lihat penjelasan hal. iv * Sementara


155



Tabel 4.31 Kredit MKM Menurut Kelompok Bank (Micro, Small & Medium Credit based on Category of Bank) Miliar Rp (Billion Rp) Kelompok Bank 1. Bank Persero 2. BPD

2 0 1 0*) 2005 2006 2007 2008

2009 Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

122.189 144.935 176.740 230.152 285.134 221.413 226.554 289.496 294.964 300.551 306.786 311.415 318.488 321.090 324.973 334.095 343.990 42.462

52.859

67.774

87.655 107.675 107.298 109.195 111.440 113.880 116.354 119.332 120.995 123.565 123.957 125.957 127.218 126.561

Category of Bank 1. State Owned Banks 2. Regional Development Banks

3. Bank Swasta Nasional

176.421 195.326 238.211 290.731 315.369 313.256 320.377 329.249 334.688 344.131 358.363 366.936 376.032 382.406 388.718 395.918 404.986

3. Foreign Exchange Commercial Banks

4. Bank Asing dan

13.836

17.322

20.073

25.406

29.208 47.530

52.204

51.087 46.746

49.780

51.303

51.222

51.828

52.278

53.777

49.314

51.246

Campuran

4. Joint Venture Banks and Foreign Owned Banks)

Jumlah Ket: lihat penjelasan hal. iv * Sementara

156

354.908 410.442 502.796 633.945 737.385 689.497 708.329 781.273 790.279 810.816 835.784 850.569 869.913 879.731 893.425 906.545 926.782

Total




Tabel 4.32 Kredit MKM Menurut Lokasi Proyek Per Daerah Tingkat I (Micro, Small & Medium Credit based on Project Location) Miliar Rp (Billion Rp) 2 0 1 0*) Lokasi

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

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 Jan

Feb

Mar

Apr

Mei

Jun

104.498 30.675 169.506 7.926 55.549 76.853 4.191 7.342 10.729 35.991 12.722 17.932 16.081 7.511 1.907 11.720 9.367 8.628 15.050 4.033 5.408 23.564 9.420 624 1.231 3.517 6.157 16.060 5.090 2.331 4.842 1.178 891 972

106.927 31.219 175.774 8.048 57.130 78.235 4.522 7.513 11.031 36.732 13.036 18.279 16.504 7.554 1.943 12.007 9.541 8.861 15.476 4.181 5.582 24.243 9.582 587 1.380 3.621 6.351 16.392 5.232 2.357 4.875 1.223 1.061 1.328

116.266 33.313 185.750 9.068 65.774 87.800 5.293 8.804 12.513 40.568 14.425 20.130 18.683 7.532 2.254 13.437 10.772 9.829 17.128 4.998 6.969 27.705 11.061 462 1.757 4.432 7.989 17.603 6.749 2.821 6.058 1.501 986 845

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

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

354.908 410.442 502.796 633.945 737.385 689.497 708.329 781.273 790.279 810.816 835.784 850.569 869.913 879.731 893.425 906.545 926.782




157



Tabel 4.33 Rincian Kredit MKM Menurut Kelompok Bank (Micro, Small & Medium Credit based on Category of Bank) Miliar Rp (Billion Rp) Kelompok Bank

2 0 1 0*) 2005 2006 2007 2008

2009 Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

289.496 100.425 113.233 75.838 111.440

294.964 101.313 116.663 76.989 113.880

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

318.488 107.636 129.926 80.926 123.565

321.090 107.306 131.839 81.945 123.957

1. Bank Persero Mikro Kecil Menengah 2. BPD

-

-

- 230.152 285.134 221.413 226.554 - 99.483 114.355 43.617 44.552 - 71.190 98.306 106.697 109.559 - 59.479 72.474 71.099 72.443 - 87.655 107.675 107.298 109.195

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

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

-

-

- 39.019 38.657 38.927 38.159 38.248 38.525 38.707 38.666 38.560 38.855 38.420 38.281 - 43.377 61.922 61.607 64.090 65.922 67.982 70.144 72.708 74.160 76.092 76.823 78.696 7.270 7.373 6.945 7.503 7.959 8.275 8.618 8.715 8.980 5.258 7.095 6.764 - 290.731 315.369 313.256 320.377 329.249 334.688 344.131 358.363 366.936 376.032 382.406 388.718 - 65.411 70.346 67.531 69.733 70.586 70.656 72.760 74.455 77.201 77.270 80.014 80.811 - 96.410 110.221 114.513 117.022 120.292 122.317 125.853 131.287 135.059 139.762 141.933 145.435 - 128.911 134.802 131.212 133.622 138.372 141.715 145.517 152.622 154.677 159.000 160.458 162.472 - 25.406 29.208 47.530 52.204 51.087 46.746 49.780 51.303 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 80.667 8.409 404.986 83.332 150.890 170.764 51.246

-

-

-

36.086 6.101 11.590

31.031 6.225 12.058

32.644 6.248 12.354

Jumlah

-

-

- 633.945 737.385 689.497 708.329 781.273 790.279 810.816 835.784 850.569 869.913 879.731 893.425

906.545

926.782


158

12.211 3.227 9.968

12.004 31.298 4.857 5.197 12.347 11.035

35.037 5.670 11.497

33.946 30.510 5.503 5.575 11.638 10.662

33.785 5.639 10.355

35.001 5.601 10.701

35.837 5.653 9.732

34.207 6.002 11.619

34.780 6.031 11.466

Category of Bank 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


KA TA PENGANT AR KAT PENGANTAR

GRAFIK


159

Gr afik 1. Kredit dan NPL K elompok Bank Grafik Kelompok Desember 2010 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, Miliar Rp Kredit

NPL

Gr afik 2. Dana Pihak K etiga dan Grafik Ketiga elompok Bank Desember 2010 Kelompok SBI K Miliar Rp 1.200.000 1.000.000 800.000 600.000 400.000 200.000 0 Persero

BUSNDevisa

BUSNNon Devisa DPK

160


BPD SBI

Campuran

Asing

Gr afik 3. P endapatan dan Beban Oper asional Grafik Pendapatan Operasional Kelompok Bank Desember 2010 Miliar Rp

160000 140000 120000 100000 80000 60000 40000 20000 0 Kelompok Bank

Persero

BUSN Devisa

BUSN Non Devisa

BPD

Campuran

Asing

Series1 Series2

Gr afik 4. P embia yaan, DPK dan Aset P erbankan Sy ariah Grafik Pembia embiay Perbankan Syariah Desember 2010 Miliar Rp

80.000 70.000 60.000 50.000 40.000 30.000 20.000 10.000 0 Pembiayaan

DPK BUS

Aset UUS


161

CLAR

Gr afik 5. K olektibilitas Kredit BPR Desember 2010 Grafik Kolektibilitas

2%1% 3%

94%

Lancar

Kurang Lancar

Diragukan

Macet

Gr afik 6. Kredit MKM K elompok Bank Grafik Kelompok Desember 2010

6% 37%

43% 14%

Persero

162

BUSN


BPD

Campuran & Asing

INDONESIAN BANKING STATISTICS

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