KATA PENGANTAR. Jakarta, Oktober 2005 BANK INDONESIA Direktorat Perizinan dan Informasi Perbankan

KATA PENGANTAR

Buku Statistik Perbankan Indonesia (SPI) yang sebelumnya diterbitkan dengan nama buku Data Perbankan Indonesia (DPI), merupakan media publikasi yang menyajikan data mengenai perbankan Indonesia. Dengan adanya buku ini, diharapkan pembaca akan memperoleh informasi mengenai perkembangan perbankan Indonesia yang lebih komprehensif melalui analisis terhadap data-data yang disajikan. Materi yang disajikan mencakup data Bank Umum (termasuk data perbankan syariah) dan data Bank Perkreditan Rakyat. Di samping itu disajikan pula data kredit perbankan dan kredit UMKM. Selanjutnya, untuk menganalisa data sesuai kebutuhan pembaca, disarankan pembaca terlebih dahulu memahami penjelasan, singkatan-singkatan dan istilah yang ada. Dengan keterbatasan buku SPI ini, kami berharap agar data yang disajikan dapat memberikan manfaat yang optimal bagi pembaca.

Jakarta,

Oktober 2005

BANK INDONESIA Direktorat Perizinan dan Informasi Perbankan

Statistik Perbankan Indonesia - Vol. 3, No. 9, Agustus 2005

i

DAFTAR ISI

KATA PENGANTAR

i

DAFTAR ISI

i

PENJELASAN

ii

DAFTAR SINGKATAN

iv

DAFTAR ISTILAH

v

DAFTAR RASIO

vi

DAFTAR TABEL

viii

DATA BANK UMUM

1

DATA PERBANKAN SYARIAH

77

DATA BANK PERKREDITAN RAKYAT (BPR)

85

DATA PERKREDITAN

97

ii


PENJELASAN

1. Data yang digunakan dalam buku Statistik Perbankan Indonesia bersumber dari Laporan Bulanan Bank Umum (LBU), Laporan Bulanan Bank Umum Syariah (LBUS), dan Laporan Bulanan Bank Perkreditan Rakyat (Lapbul BPR), kecuali dinyatakan lain. 2. Semua jenis data Bank Umum telah mencakup data Bank Umum yang melakukan kegiatan usaha berdasarkan prinsip syariah dan Unit Usaha Syariah dari Bank Umum konvensional. Dan semua jenis data Bank Perkreditan Rakyat (BPR) telah mencakup data BPR yang melakukan kegiatan usaha berdasarkan prinsip syariah (kecuali pada posisi Juni 2005, data BPR tidak termasuk BPRS). Pemisahan data perbankan syariah dari kelompok data bank umum maupun dari kelompok data BPR belum dapat dilakukan, karena selama ini proses pelaporan perbankan syariah masuk ke dalam Sistem Perbankan sebagai satu kesatuan. Untuk itu disajikan data khusus perbankan syariah secara terpisah namun data tersebut belum mencakup data BPR Syariah (ditujukan untuk tabel - tabel perbankan Syariah). 3. Data Bank Perkreditan Rakyat disajikan secara triwulanan untuk posisi bulan Maret, Juni, September, dan Desember, kecuali untuk data posisi bulan selain bulan di atas. 4. Data kinerja yang ditampilkan dalam perhitungannya masih mengacu pada ketentuan SE No.30/2/UPPB tanggal 30 April 1997 dan SE No.30/23/UPPB tanggal 19 Maret 1998 perihal perhitungan penilaian tingkat kesehatan bank. 5. Data Kredit •

Data kredit yang ditampilkan merupakan kredit yang tercatat di neraca Bank dan tidak memperhitungkan penerusan kredit yang tercatat dalam rekening administratif (off-balance sheet), kecuali dinyatakan lain. Cakupan kredit meliputi tagihan kredit kepada penduduk dan non penduduk (Untuk data BPR hanya meliputi tagihan kredit kepada penduduk). Data yang terkait dengan penjelasan tersebut di atas ditujukan untuk data dalam tabel kinerja; aktiva produktif; NPL (kecuali data NPL penerusan kredit off-balance

sheet); kegiatan usaha; dan kredit (kecuali data penerusan kredit off-balance sheet ). •

Data kredit UMKM tidak mencakup data kartu kredit dan kredit yang disalurkan oleh BPR. Data yang terkait dengan penjelasan tersebut di atas ditujukan untuk data dalam tabel kredit UMKM menurut kelompok bank, kredit UMKM menurut jenis penggunaan, kredit UMKM berdasarkan provinsi, dan kredit UMKM berdasarkan sektor ekonomi.

6. Data Non Performing Data Non Performing yang ditampilkan merupakan Non Performing gross, yakni tanpa memperhitungkan penyisihan yang dibentuk untuk mengantisipasi risiko kerugian. Data Non Performing ditampilkan dalam nominal dan persentase. Data yang terkait dengan penjelasan tersebut di atas ditujukan untuk data dalam tabel aktiva produktif; dan NPL.


iii

7. Lokasi penyaluran kredit Yang dimaksud dengan lokasi penyaluran kredit adalah lokasi proyek tempat penggunaan kredit. Data yang terkait dengan penjelasan tersebut ditujukan untuk data dalam tabel kredit berdasarkan lokasi penyaluran. 8. Data Surat Berharga dalam pos penyaluran dana Data surat berharga yang ditampilkan merupakan surat berharga yang diterbitkan oleh pihak ketiga bukan bank. Data yang ditampilkan tidak memperhitungkan obligasi dalam rangka program rekapitalisasi yang diterbitkan oleh Pemerintah. Data yang terkait dengan penjelasan tersebut ditujukan untuk data dalam tabel kegiatan usaha. 9. Perkiraan Tambahan Modal Disetor Terdiri dari pos agio; (disagio); modal sumbangan; dan penyesuaian akibat penjabaran laporan keuangan kantor cabang di luar negeri. 10. Perkiraan Cadangan Terdiri dari pos Cadangan umum; Cadangan tujuan; dan Laba yang ditahan. 11. Proses Download Data •

Data Laporan Bulanan Bank Umum (LBU) dan Laporan Bulanan Bank Umum Syariah (LBUS) yang disampaikan dari bank pelapor kepada Bank Indonesia, diolah melalui Sistem Informasi Manajemen Sektor Perbankan Bank Indonesia (SIMSPBI). Perbedaan waktu download data LBU melalui sistem SIMSPBI dapat menyebabkan perbedaan pada data yang dipublikasikan dalam buku ini dengan data publikasi yang lain. Oleh sebab itu, pembaca dihimbau untuk memperhatikan waktu download data. Pemrosesan data bulan laporan Agustus 2005 untuk buku Statistik Perbankan Indonesia Edisi Agustus 2005 dilakukan pada tanggal 29 September 2005.

•

Data Laporan Bulanan Bank Perkreditan Rakyat (Lapbul BPR) yang disampaikan oleh bank pelapor, saat ini diolah melalui mainframe yang ada di Direktorat Teknologi Informasi (DTI) Bank Indonesia. Terdapat

time lag sekitar 3-4 bulan untuk kompilasi data Bank Perkreditan Rakyat secara nasional. 12. Jumlah Bank Umum (termasuk Bank Umum Syariah) untuk posisi Agustus 2005 sebanyak 131 bank. 13. Publikasi buku Statistik Perbankan Indonesia juga dilakukan melalui website Bank Indonesia (www.bi.go.id).

iv


DAFTAR SINGKATAN

APYD

Aktiva Produktif Yang Diklasifikasikan

ATMR

Aktiva Tertimbang Menurut Risiko

BOPO

Biaya Operasional terhadap Pendapatan Operasional

BPD

Bank Pembangunan Daerah

CAR

Capital Adequacy Ratio

DPK

Dana Pihak Ketiga

KAP

Kualitas Aktiva Produktif

KBAB

Kewajiban Bersih Antar Bank

KP

Kantor Pusat

KC

Kantor Cabang

KCP

Kantor Cabang Pembantu

KK

Kantor Kas

KPW

Kantor Perwakilan

LBU

Laporan Bulanan Bank Umum

LDR

Loan to Deposit Ratio

NIM

Net Interest Margin

NPL

Non Performing Loan

PPAPYD

Penyisihan Penghapusan Aktiva Produktif yang Dibentuk

PPAPWD

Penyisihan Penghapusan Aktiva Produktif yang Wajib Dibentuk

ROA

Return on Asset

SIMSPBI

Sistem Informasi Manajemen Sektor Perbankan Bank Indonesia

UKM

Usaha Kecil Menengah

UMKM

Usaha Mikro Kecil Menengah


v

DAFTAR ISTILAH

Aktiva Produktif

Penanaman dana Bank baik dalam Rupiah maupun valas dalam bentuk kredit, surat berharga, penempatan dana antar bank, penyertaan, termasuk komitmen dan kontinjensi pada transaksi rekening administratif.

APYD

Aktiva produktif baik yang sudah maupun yang mengandung potensi tidak memberikan penghasilan atau menimbulkan kerugian

ATMR

Terdiri dari : 1. aktiva neraca yang diberikan bobot sesuai kadar risiko kredit yang melekat 2. beberapa pos dalam off-balance sheet yang diberikan bobot sesuai dengan kadar risiko kredit yang melekat

Call Money BI

Penempatan dana pada Bank Indonesia dalam bentuk call money yang merupakan intervensi rupiah oleh Bank Indonesia dalam rangka operasi pasar terbuka (OPT)

DPK

Simpanan pihak ketiga bukan bank yang terdiri dari Giro, Tabungan dan Simpanan berjangka

Kredit

Penyediaan uang atau tagihan yang dapat dipersamakan dengan itu, berdasarkan persetujuan atau kesepakatan pinjam-meminjam antara Bank dengan pihak lain yang mewajibkan pihak peminjam untuk melunasi utangnya setelah jangka waktu tertentu dengan pemberian bunga, termasuk : 1. Pembelian Surat Berharga nasabah yang dilengkapi dengan Note Purchase

Agreement (NPA) 2. Pengambilalihan tagihan dalam rangka kegiatan anjak piutang Penerusan Kredit

Kredit dalam rupiah maupun valas yang disalurkan oleh bank yang dananya berasal dari pihak lain, dan atas penyaluran kredit tersebut bank tidak menanggung risiko. Penerusan kredit ini dibukukan pada rekening administratif (off-balance sheet)

vi


DAFTAR RASIO

CAR

(Modal Inti + Modal Pelengkap) / ATMR

(sesuai SE No.30/2/UPPB tanggal 30 April 1997) Modal Inti, terdiri dari : 1. Modal Disetor 2. Cadangan tambahan modal, terdiri dari : a. Faktor penambah, yaitu : 1. Agio 2. Modal sumbangan 3. Cadangan umum modal 4. Cadangan tujuan modal 5. Laba tahun-tahun lalu setelah diperhitungkan pajak 6. Laba tahun berjalan setelah diperhitungkan taksiran pajak (50%) 7. Selisih lebih penjabaran laporan keuangan kantor cabang luar negeri 8. Dana setoran modal b. Faktor pengurang, yaitu : 1. Disagio 2. Rugi tahun-tahun lalu 3. Rugi tahun berjalan 4. Selisih kurang penjabaran laporan keuangan kantor cabang di luar negeri 5. Penurunan nilai penyertaan pada portofolio yang tersedia untuk dijual Modal Inti diperhitungkan dengan faktor pengurang berupa goodwill Modal Pelengkap terdiri dari : 1. Cadangan revaluasi aktiva tetap 2. Cadangan umum PPAP (maskimal 1,25% dari ATMR) 3. Modal pinjaman 4. Pinjaman subordinasi (maksimal 50% dari modal inti) 5. Peningkatan nilai penyertaan pada portofolio yang tersedia untuk dijual setinggitingginya sebesar 45%. Rasio KAP

APYD / Total Aktiva Produktif

(sesuai SE No.30/2/UPPB tanggal 30 April 1997)


vii

Rasio ROA

Laba Sebelum Pajak dalam 12 bulan terakhir / Rata-rata Aktiva dalam periode yang sama

(sesuai SE No.30/2/UPPB tanggal 30 April 1997) Rasio BOPO

Biaya Operasional dalam 12 bulan terakhir / Pendapatan Operasional dalam periode yang sama

(sesuai SE No.30/2/UPPB tanggal 30 April 1997) Rasio KBAB

Kewajiban Bersih Antar Bank / Modal Inti Kewajiban Bersih Antar Bank merupakan selisih antara kewajiban bank dengan tagihan bank kepada bank lain

(sesuai SE No.30/23/UPPB tanggal 19 Maret 1998) Rasio LDR

Kredit / Dana yang diterima Dana yang diterima terdiri dari : 1. Giro, deposito dan tabungan masyarakat 2. Pinjaman bukan dari bank yang berjangka waktu lebih dari 3 bulan tidak termasuk pinjaman subordinasi 3. Deposito dan pinjaman dari bank lain yang berjangka waktu lebih dari 3 bulan 4. Surat berharga yang diterbitkan oleh bank yang berjangka waktu lebih dari 3 bulan 5. Modal inti 6. Modal Pinjaman

(sesuai SE No.30/23/UPPB tanggal 19 Maret 1998) 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 Dalam perhitungan NIM, pendapatan bunga bersih disetahunkan.

(sesuai SE No.3/30/DPNP tanggal 30 April 1997)

viii


DAFTAR TABEL

DAFTAR TABEL No. 1.

Topik / Judul Kegiatan Usaha Perbankan

No. Tabel

Halaman

1

3

DATA BANK UMUM 2.

Kegiatan Usaha Bank Umum

1.1 s.d 1.7

6

3.

Laporan Laba/Rugi Bank Umum

1.8 s.d1.14

13

4.

Rekening Administratif Bank Umum

1.15 s.d 1.21

20

5.

Kinerja Bank Umum

1.22 s.d 1.29

27

6.

Aset Bank Umum a. Perkembangan Aset Bank Umum

1.30

35

b. Bank Umum Berdasarkan Total Aset

1.31

36

c. Peringkat Bank Umum Berdasarkan Total Aset

1.32

37

1.33 s.d 1.39

38

1.40

45

b. NPL Berdasarkan Sektor Ekonomi

1.41 s.d 1.47

46

c. NPL Berdasarkan Jenis Penggunaan

7.

Aktiva Produktif Bank Umum

8.

Non Performing Loan (NPL) Bank Umum a. Pengelompokan Bank Berdasarkan Rasio NPL

1.48 s.d 1.54

53

d. NPL Berdasarkan Lokasi Penyaluran Kredit

1.55

60

e. NPL Penerusan Kredit (off-balance sheet)

1.56

61

1.57 s.d 1.63

62

1.64

69

1.65 s.d 1.66

70

d. Deposito Berdasarkan Jangka Waktu Simpanan

1.67

72

10.

Peringkat Bank Berdasarkan Kredit

1.68

73

11.

Perkembangan Jumlah Bank dan Kantor Bank

9.

Dana Pihak Ketiga (DPK) Bank Umum a. Komposisi DPK b. Peringkat Bank Berdasarkan DPK c. DPK Berdasarkan Lokasi Penghimpunan

a. Perkembangan Jumlah Bank dan Kantor Bank Umum

1.69

74

b. Perkembangan Jumlah Bank dan Kantor Bank Berdasarkan

1.70

75

2.1 s.d 2.3

78

Wilayah DATA BANK SYARIAH 12.

Kegiatan Usaha Bank Umum Syariah

13.

Perkembangan Aset Perbankan Syariah

2.4

81

14.

Aktiva Produktif Perbankan Syariah

2.5

82

15.

Rincian Pembiayaan Perbankan Syariah

2.6

83

16.

Jaringan Kantor Perbankan Syariah

2.7

84

17.

Jaringan Kantor Berdasarkan Wilayah

2.8

85


ix

DAFTAR TABEL No.

Topik / Judul

No. Tabel

Halaman

DATA BANK PERKREDITAN RAKYAT 18.

Kegiatan Usaha Bank Perkreditan Rakayat

3.1

88

19.

Kinerja Bank Perkreditan Rakyat

3.2

89

20.

Perkembangan Aset Berdasarkan Lokasi

3.3

90

21.

Non Performing Loan Bank Perkreditan Rakyat

3.4

91

22.

Non Performing Loan Berdasarkan Lokasi

3.5

92

23.

Dana Pihak Ketiga BPR a. Komposisi DPK Bank Perkreditan Rakyat

3.6

93

b. Penghimpunan DPK Berdasarkan Lokasi

3.7 s.d 3.8

94

a. Perkembangan Jumlah Bank dan Kantor Bank Umum

3.9

96

b. Perkembangan Jumlah Bank dan Kantor Bank Berdasarkan

3.10

97

24.

Perkembangan Jumlah Bank dan Kantor Bank

Wilayah DATA PERKREDITAN 25.

Kredit Bank Umum Berdasarkan Sektor Ekonomi

4.1 s.d 4.7

100

26.

Kredit Bank Umum Berdasarkan Jenis Penggunaan

4.8 s.d 4.14

107

27.

Kredit Bank Umum Berdasarkan Lokasi Penyaluran

4.15

114

28.

Penerusan Kredit Bank Umum

4.16 s.d 4.17

115

29.

Kredit Bank Perkreditan Rakyat

4.18 s.d 4.20

117

30.

Kredit UMKM

4.21 s.d 4.24

120

x



Miliar Rp

Tabel 1 Kegiatan Usaha Perbankan Indikator

Des

Des

Des

2000 2001 2002 2003 Penyaluran Dana Bank Umum* Bank Perkreditan Rakyat**

2004

Des

2005

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

987.914 1.013.806 -

Jul

Ags

559.779 4.337

656.780 5.944

698.885 8.278

796.731 11.838

865.290 -

873.647 14.525

877.609 -

885.199 -

932.971 15.145

919.593 -

930.694 -

943.965 15.742

972.252 -

58.750

74.296

76.859

101.374

110.180

63.135

100.016

83.925

94.058

104.095

107.643

54.155

101.016

Sumber Dana Bank Umum* Bank Perkreditan Rakyat**

898.723 3.663

975.415 5.071

967.444 7.194

1.006.624 1.038.064 10.043 -

1.048.787 12.394

1.054.742 1.061.426 -

1.105.769 12.911

1.087.851 1.088.772 -

1.106.641 1.136.052 13.378 -

1.152.693 1.177.336 -

1.181.862 1.217.281 -

Jumlah Aset Bank Umum* Bank Perkreditan Rakyat**

1.039.855 4.731

1.099.699 1.112.204 6.474 9.080

1.213.518 1.199.206 12.635 -

1.213.095 16.015

1.218.354 1.228.104 -

1.272.081 16.707

1.258.393 1.262.629 -

1.280.567 1.312.752 17.302 -

1.324.741 1.344.599 -

1.353.193 1.388.888 -

Jumlah Bank Bank Umum* Bank Perkreditan Rakyat**

151 2.419

145 2.355

141 2.141

138 2.141

136 -

136 2.164

136 -

135 -

133 2.158

132 -

132 -

132 2.164

132 -

132 -

131 -

131 -

131 -

Jumlah Kantor Bank Umum* Bank Perkreditan Rakyat**

6.547 2.482

6.765 2.432

7.001 2.747

7.730 3.299

7.927 -

8.020 3.454

8.088 -

7.931 -

7.939 3.472

7.993 -

8.026 -

8.073 3.154

8.077 -

8.088 -

8.043 -

8.132 -

8.069 -

SBI dan SWBI

ket :

* termasuk Bank Umum yang melakukan kegiatan usaha berdasarkan prinsip syariah ** Data BPR disajikan triwulanan (Maret, Juni)

88.603

84.791

1.022.506 1.053.100 80.567

69.810

3

DATA BANK UMUM

6 Statistik Perbankan Indonesia - Vol. 3, No. 9, Agustus 2005

Miliar Rp

Tabel 1.1 Kegiatan Usaha Bank Umum Indikator

Des

Des

Des

2000 2001 2002 2003 Penyaluran Dana a. Kredit Rupiah Valas b. Antar Bank Giro Inter Bank Call Money Deposito Lainnya c. Penempatan di BI Giro SBI Call Money Lainnya d. Surat Berharga (tidak termasuk obligasi rekap) e. Penyertaan f. Tagihan Lainnya

2005

2004

Des Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

283.097 153.025 130.072 130.298 32.140 45.987 18.382 33.789 110.684 42.644 58.750 8.344 946 22.687

316.059 203.251 112.808 149.354 14.648 60.892 33.717 40.097 134.283 41.301 74.296 16.225 2.461 33.972

371.058 272.689 98.368 124.553 11.233 52.366 25.495 35.459 153.760 45.805 76.859 30.443 653 32.931

440.505 340.347 100.158 112.183 7.183 47.696 21.552 35.752 188.732 61.455 101.374 18.725 7.179 34.980

510.621 392.699 117.922 97.759 7.392 43.486 12.330 34.551 194.913 65.088 110.180 17.631 2.015 38.561

518.527 404.184 114.342 100.244 7.634 45.021 13.256 34.333 194.228 65.042 63.135 56.118 9.933 36.416

530.835 416.716 114.118 101.245 6.779 49.642 13.075 31.749 185.247 67.475 100.016 16.344 1.411 36.524

536.944 422.159 114.785 103.423 6.847 49.414 13.608 33.554 185.315 66.539 83.925 30.212 4.639 35.264

559.470 438.645 120.825 103.473 7.807 40.840 20.110 34.716 207.944 77.130 94.058 31.882 4.875 37.788

555.596 436.003 119.059 100.059 7.624 45.629 15.740 31.066 202.770 68.883 104.095 26.972 2.820 36.656

566.650 444.746 121.904 98.213 7.183 42.786 17.908 30.336 202.721 68.453 107.643 23.616 3.009 36.468

582.510 457.716 124.793 101.032 6.536 43.026 17.574 33.896 193.223 74.574 54.155 55.448 9.046 37.097

594.304 468.560 125.745 113.411 8.953 50.854 17.917 35.687 193.574 70.096 101.016 18.901 3.561 38.741

615.800 488.642 127.159 121.992 8.875 54.787 18.496 39.834 178.036 75.743 88.603 12.026 1.663 38.155

629.062 498.461 130.602 126.967 7.113 60.407 18.903 40.544 185.326 80.694 84.791 16.423 3.418 38.840

642.525 511.597 130.928 136.576 7.354 69.753 22.011 37.458 168.048 71.343 80.567 11.842 4.295 42.717

666.511 528.257 138.254 150.136 8.956 81.396 19.214 40.570 158.267 72.871 69.810 10.926 4.660 43.551

6.387 6.626

2.997 20.115

5.143 11.440

5.892 14.439

7.169 16.267

7.192 17.040

7.098 16.660

7.141 17.112

6.160 18.136

6.184 18.328

6.219 20.422

6.235 23.868

6.303 25.918

6.776 27.156

6.825 26.785

6.382 26.260

6.275 28.360

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

699.860 553.571 103.538 296.968 153.064 146.289 56.672 88.354 1.263 16.590 103.761 10.605 46.273 24.130 22.143 16.298 5.336

797.362 636.153 119.995 344.854 171.304 161.209 64.874 95.051 1.284 15.324 93.584 9.626 28.717 9.672 19.045 22.761 8.041

835.778 687.394 130.238 364.567 192.589 148.384 65.988 81.624 772 12.795 81.349 4.057 13.745 5.284 8.461 14.237 5.483

888.567 742.619 150.117 351.840 240.663 145.948 67.881 76.993 1.073 10.938 68.611 10.785 7.478 5.082 2.396 16.737 3.508

919.251 766.781 166.996 335.141 264.644 152.471 79.412 72.377 681 10.762 70.567 12.977 10.007 6.110 3.896 11.730 2.770

926.433 774.241 164.999 339.099 270.143 152.192 79.750 71.834 608 10.726 72.667 13.091 10.637 6.116 4.521 12.133 3.100

928.016 777.021 164.893 337.986 274.142 150.995 80.053 70.373 569 11.953 74.245 14.761 10.489 6.021 4.468 12.286 2.992

932.500 781.838 168.985 334.240 278.613 150.662 79.958 70.182 523 12.342 76.718 14.285 10.148 6.341 3.807 12.114 3.319

963.106 818.208 170.843 351.460 295.905 144.898 74.879 69.530 489 12.076 89.369 14.261 9.802 6.295 3.507 13.731 3.424

950.065 803.564 170.228 348.456 284.880 146.501 76.384 69.625 492 12.025 84.743 12.412 10.374 6.190 4.184 15.014 3.218

948.832 801.200 174.752 343.624 282.825 147.632 77.994 69.171 467 12.520 87.299 12.666 9.670 6.356 3.314 14.419 3.366

959.251 810.940 176.800 350.249 283.891 148.311 76.333 71.412 565 11.834 96.184 12.426 10.243 6.641 3.602 13.183 3.520

978.616 825.952 168.829 372.678 284.445 152.664 82.202 69.933 529 15.636 100.317 12.628 10.386 6.701 3.685 15.424 3.045

986.744 832.071 180.703 370.785 280.583 154.672 79.123 74.901 648 11.725 113.973 12.672 10.217 6.789 3.428 14.542 2.821

1.011.002 851.349 192.854 375.156 283.338 159.653 80.142 78.642 870 11.642 113.742 13.204 10.201 6.887 3.314 14.827 2.718

1.015.988 848.926 182.312 383.105 283.509 167.062 80.716 84.486 1.861 12.767 112.464 14.026 10.274 6.907 3.367 13.510 2.833

1.046.819 857.349 191.096 380.897 285.356 189.470 88.762 97.645 3.062 11.481 114.898 13.940 10.949 6.886 4.063 16.277 2.917

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

88.198 2.674 11.195 -389.566 326.687 16.125

88.078 3.325 12.204 -320.064 275.755 3.611

96.360 5.062 16.537 -307.336 276.893 3.293

90.882 4.784 22.875 -73.113 57.971 3.237

78.527 5.112 20.560 -41.834 52.671 3.400

63.972 5.116 23.966 -25.997 53.210 3.393

64.089 5.251 25.120 -26.169 53.930 3.395

63.768 5.269 26.833 -27.106 54.374 1.640

64.612 5.285 29.463 -27.173 53.970 1.737

64.594 5.284 3.033 2.856 54.646 1.720

65.738 5.302 5.294 2.664 54.166 1.745

65.894 5.300 8.596 377 53.106 1.810

66.219 5.290 11.254 -1.140 52.727 1.786

66.892 9.112 12.513 -14.540 52.512 1.781

66.361 10.313 12.034 -16.482 52.167 1.758

66.442 10.396 15.249 -16.370 37.340 15.649

67.682 10.436 17.547 -17.698 35.111 15.737


Miliar Rp

Tabel 1.2 Kegiatan Usaha Bank Persero Indikator

Des

Des

Des


2005

2004

Des Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

108.115 68.677 39.438 43.673 24.469 6.275 6.640 6.289 34.472 20.997 9.286 4.200 12 6.334

121.496 83.288 38.208 41.528 7.772 9.433 12.211 12.112 59.221 19.263 31.583 8.271 105 8.527

150.632 109.704 40.928 32.559 5.031 10.493 6.206 10.830 45.148 20.830 7.422 16.743 153 9.565

177.137 134.104 43.033 28.119 1.810 11.114 5.013 10.182 56.762 31.336 14.909 5.598 4.918 8.728

204.141 153.826 50.315 21.840 2.629 8.871 3.500 6.840 57.825 29.426 25.038 2.778 583 12.552

205.910 157.076 48.833 26.044 2.959 12.970 2.715 7.400 55.302 28.921 8.720 12.355 5.307 11.987

210.640 162.134 48.506 27.419 2.587 12.810 3.704 8.318 52.045 29.873 17.193 4.899 80 11.879

213.273 164.026 49.247 26.946 2.169 12.426 3.391 8.960 55.826 29.759 11.405 11.320 3.342 11.684

222.855 171.427 51.429 28.865 2.783 11.758 3.551 10.773 64.312 35.500 15.991 9.981 2.840 12.384

219.663 168.888 50.775 27.280 3.049 12.876 3.270 8.085 60.734 29.773 24.072 5.937 952 12.083

224.061 172.394 51.666 26.795 2.694 11.887 4.227 7.987 59.464 29.572 22.481 6.108 1.303 9.622

229.003 176.879 52.124 27.511 1.887 12.995 4.154 8.475 55.133 30.796 11.187 8.090 5.060 9.805

232.515 179.875 52.639 31.548 3.273 11.894 6.255 10.126 56.775 30.077 21.859 4.198 640 8.615

237.331 184.328 53.003 30.862 2.986 11.431 7.037 9.408 50.981 29.384 20.219 1.300 78 7.696

241.680 188.027 53.654 40.302 2.052 20.494 7.216 10.540 59.994 35.568 19.641 4.096 689 7.640

242.734 189.984 52.750 43.057 2.188 22.675 8.680 9.514 51.066 30.688 17.246 2.110 1.022 12.242

248.357 192.909 55.447 41.189 2.711 26.282 4.084 8.112 48.390 31.179 15.218 1.100 892 11.973

2.556 3.600

1.710 11.420

3.748 4.629

4.733 7.463

4.801 7.524

4.814 8.199

4.786 8.000

4.802 7.760

3.758 8.440

3.775 8.920

3.772 10.518

3.751 13.317

3.779 14.608

3.812 15.969

3.832 15.194

3.535 15.130

3.412 15.913


315.389 269.667 49.077 152.043 68.547 45.721 10.846 34.238 636 10.270 65.582 9.148 31.903 10.683 21.220 6.713 1.330

364.206 314.007 50.780 183.582 79.645 50.199 13.408 36.629 162 9.402 51.405 8.360 26.373 8.728 17.645 12.904 1.183

370.542 323.252 51.157 181.524 90.571 47.290 15.860 31.372 59 7.205 49.613 2.608 11.855 4.546 7.309 4.992 1.295

368.479 322.981 59.839 149.656 113.486 45.498 17.297 28.114 88 5.914 35.333 7.124 5.537 3.929 1.608 8.676 1.312

361.387 319.255 66.529 127.927 124.798 42.132 19.395 22.596 141 5.935 30.554 8.570 8.154 4.845 3.309 3.748 1.463

363.127 317.569 64.252 125.895 127.423 45.557 22.525 22.894 138 5.899 32.530 8.576 8.440 4.810 3.631 4.282 1.487

364.064 319.433 63.733 126.770 128.930 44.631 22.409 22.085 137 5.827 32.593 9.456 8.375 4.663 3.712 4.123 1.494

365.207 321.730 64.915 125.330 131.485 43.477 21.267 22.089 121 7.602 34.494 9.301 7.805 4.749 3.056 3.931 1.577

375.731 333.328 63.449 128.831 141.048 42.403 19.762 22.519 123 7.486 43.599 9.259 7.417 4.645 2.773 4.539 1.955

369.704 327.554 63.515 128.316 135.724 42.150 19.256 22.764 130 7.433 38.810 7.541 7.971 4.509 3.461 4.702 1.931

366.388 324.482 65.301 124.934 134.246 41.906 19.486 22.285 135 7.716 40.784 7.559 7.387 4.626 2.761 4.356 1.928

367.765 326.321 65.218 126.426 134.677 41.445 18.973 22.325 146 7.332 46.094 7.465 7.705 4.852 2.853 4.103 1.939

370.794 330.130 63.573 131.965 134.593 40.664 21.318 19.213 134 8.238 46.279 7.510 7.744 4.846 2.899 6.874 1.692

368.892 328.077 63.708 131.200 133.169 40.816 19.262 21.422 131 7.230 51.178 7.440 7.495 4.878 2.617 5.801 1.701

389.020 344.525 76.592 133.572 134.361 44.495 19.521 24.852 122 7.164 47.768 7.840 7.536 4.975 2.562 6.108 1.671

387.818 339.544 68.600 137.609 133.335 48.274 21.137 26.968 169 7.126 46.813 8.640 7.514 4.946 2.568 4.984 1.633

392.914 337.603 68.438 135.864 133.302 55.311 23.708 31.440 163 7.101 43.982 8.765 8.153 4.866 3.287 4.841 1.739


47.625 1.140 5.843 -277.678 233.655 15.760

46.335 1.684 4.735 -271.405 240.899 3.159

46.336 2.807 8.061 -267.868 244.222 2.966

40.136 2.019 11.068 -42.837 35.512 2.892

27.227 1.880 8.761 -14.275 23.613 3.019

27.222 1.880 10.833 -14.272 23.728 2.989

27.253 1.862 10.686 -14.253 24.594 2.981

27.276 1.880 11.165 -14.276 24.983 1.220

27.284 1.880 12.501 -14.278 25.133 1.255

27.287 1.880 1.313 -1.286 25.507 1.238

27.290 1.898 2.014 -1.470 25.262 1.252

27.293 1.880 3.784 -2.222 24.655 1.279

27.296 1.887 4.944 -2.194 24.293 1.291

27.299 5.431 4.757 -12.588 23.859 1.282

27.306 5.700 2.530 -13.009 23.919 1.317

27.312 5.783 4.376 -13.186 9.907 15.167

27.350 5.783 5.786 -13.186 8.785 15.237

7


Miliar Rp

Tabel 1.3 Kegiatan Usaha BUSN Devisa Indikator

Des

Des

Des


2005

2004

Des Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

77.058 45.732 31.326 46.217 4.654 18.226 4.152 19.186 43.115 15.243 24.586 2.736 550 8.495

95.580 72.254 23.327 43.518 4.431 17.235 2.417 19.435 48.102 15.110 27.217 5.732 43 20.426

125.901 106.902 18.999 36.383 3.146 15.837 2.138 15.263 74.321 17.225 47.576 9.519 17.301

159.959 137.791 22.168 36.502 3.605 14.196 3.422 15.279 90.828 20.274 62.441 8.087 26 19.496

185.921 159.507 26.414 30.030 3.044 13.861 2.483 10.642 86.729 26.195 56.656 3.588 291 19.158

191.492 165.870 25.621 29.519 3.011 12.688 3.022 10.798 88.022 26.522 36.678 24.464 358 17.450

196.454 170.862 25.592 30.512 2.685 14.564 2.718 10.545 84.019 27.397 53.890 2.555 178 17.166

199.640 173.782 25.857 30.169 2.920 14.221 2.503 10.525 84.949 27.097 48.465 8.929 458 17.513

209.176 181.832 27.344 28.133 2.951 13.068 2.141 9.973 92.738 30.341 53.903 8.151 344 19.034

207.617 181.403 26.214 30.028 2.829 15.723 2.380 9.096 88.270 28.556 53.345 6.229 140 18.949

212.609 185.981 26.629 27.166 2.771 13.212 2.564 8.619 86.168 27.958 51.040 6.842 328 19.155

219.980 192.696 27.284 25.778 2.713 9.615 3.071 10.379 82.892 31.829 22.621 28.344 97 19.317

227.547 200.174 27.374 29.227 3.446 11.507 3.146 11.128 78.348 28.531 43.889 5.430 497 21.760

236.531 209.012 27.519 34.300 3.707 13.389 3.648 13.556 72.689 30.322 39.703 2.165 499 22.069

241.367 213.471 27.896 35.771 2.983 16.413 3.619 12.756 73.262 32.222 37.457 2.955 629 23.893

241.901 214.634 27.267 39.880 3.043 19.730 4.169 12.938 65.527 28.786 33.186 3.077 478 23.544

252.605 223.693 28.912 44.158 3.502 22.598 4.991 13.067 58.964 29.033 26.069 3.394 468 24.024

3.727 2.619

1.009 3.037

929 2.875

882 3.985

1.935 4.550

1.955 4.686

1.963 4.630

1.986 4.867

2.050 4.827

2.055 5.025

2.096 5.331

2.166 3.128

2.217 6.260

2.644 6.046

2.702 6.208

2.538 6.139

2.555 6.288


266.286 225.260 32.599 117.046 75.614 41.027 19.230 21.775 24 5.380 18.933 752 13.661 13.123 538 7.942 3.610

290.576 242.029 36.677 125.120 80.232 48.547 24.304 24.238 5 5.148 22.960 546 904 531 373 4.905 6.537

321.110 272.090 42.553 140.505 89.032 49.021 24.944 24.069 8 4.925 14.449 664 754 394 360 4.360 3.894

360.536 309.848 51.153 148.832 109.863 50.688 27.160 23.516 12 4.379 13.687 2.098 905 803 102 4.010 1.699 1.168

377.677 326.762 55.655 148.582 122.524 50.916 30.825 20.064 27 4.250 17.602 2.497 1.084 896 187 5.044 624 1.168

381.887 332.181 55.992 151.187 125.001 49.707 29.896 19.785 26 4.258 17.842 2.605 1.399 897 503 5.143 705 1.168

382.807 334.645 56.998 150.600 127.047 48.162 29.401 18.732 29 4.792 18.232 2.632 1.395 896 499 5.512 733 1.168

386.812 338.732 59.382 150.579 128.770 48.080 29.214 18.839 28 4.241 18.553 2.613 1.598 1.095 503 5.643 812 1.168

403.530 357.288 60.240 162.725 134.323 46.242 27.402 18.812 28 4.105 18.512 2.631 1.612 1.094 517 5.235 746 1.169

394.808 347.344 58.213 159.253 129.878 47.465 29.263 18.173 28 4.081 19.870 2.500 1.603 1.093 510 6.722 715 1.169

392.303 345.684 59.495 156.013 130.176 46.619 29.213 17.380 27 4.303 20.945 2.736 1.606 1.090 515 7.212 676 1.169

395.038 349.180 59.001 159.496 130.683 45.858 27.620 18.212 26 4.003 23.959 2.657 1.814 1.103 711 6.383 755 1.169

403.161 356.208 57.270 167.101 131.836 46.953 29.490 17.436 26 5.536 25.943 2.836 1.904 1.157 747 5.749 692 1.169

409.015 361.535 59.593 172.492 129.449 47.480 28.782 18.674 25 3.993 28.853 2.809 1.974 1.163 811 5.882 642 1.169

415.567 366.376 59.821 175.641 130.914 49.191 28.421 20.745 25 3.985 31.456 2.942 1.909 1.157 752 5.349 665 1.169

409.744 358.867 55.825 173.036 130.005 50.877 28.995 21.865 18 3.530 31.784 2.821 1.907 1.107 799 4.978 556 1.169

420.774 363.519 59.577 172.798 131.145 57.255 32.244 24.989 21 2.837 33.969 2.708 1.883 1.107 776 5.212 574


27.443 862 2.128 -104.909 92.013 155

27.519 796 3.315 -42.912 34.379 169

33.345 1.089 3.366 -37.833 31.035 155

34.274 1.200 6.988 -28.631 22.978 155

34.404 1.313 6.954 -28.401 26.501 170

19.753 1.312 7.778 -12.553 26.905 170

19.770 1.461 8.442 -12.701 26.755 170

19.781 1.461 9.364 -13.577 26.779 170

20.435 1.461 10.571 -13.590 26.223 176

20.399 1.461 950 -3.109 26.506 176

20.553 1.463 1.956 -3.058 26.336 176

20.724 1.473 2.979 -3.983 25.984 176

21.142 1.633 3.805 -5.023 25.986 165

21.691 1.676 4.668 -6.196 26.186 166

21.942 2.489 5.721 -7.603 25.824 161

21.486 2.460 6.568 -7.632 25.570 161

21.492 2.462 7.265 -8.634 24.960 161


Miliar Rp

Tabel 1.4 Kegiatan Usaha BUSN Non Devisa Indikator

Des

Des

Des

2000 2001 2002 2003 Penyaluran Dana a. Kredit * Rupiah Valas b. Antar Bank Giro Inter Bank Call Money 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

2005

2004

Des Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

10.596 10.596 1.531 64 524 168 774 3.568 694 2.604 172 99 592

9.748 9.748 950 47 238 143 522 3.181 707 1.968 377 129 860

11.574 11.574 1.006 46 287 270 403 4.414 881 2.512 1.021 1.428

14.526 14.526 1.557 62 251 186 1.058 3.703 983 1.908 809 3 3.033

15.078 15.078 1.270 51 476 24 719 3.936 1.134 1.917 853 31 1.398

15.396 15.396 1.222 69 395 30 728 4.060 1.155 1.779 1.093 34 1.446

15.510 15.510 1.398 55 578 24 741 3.622 1.215 1.918 468 21 1.535

14.964 14.964 1.277 57 421 28 771 3.514 1.029 1.727 749 10 754

15.101 15.101 1.107 58 215 75 759 4.362 1.265 2.260 867 2 670

15.201 15.201 1.167 54 353 37 723 3.513 1.086 1.813 607 8 697

14.956 14.956 1.231 55 443 34 699 3.225 1.000 1.768 452 5 778

15.118 15.118 1.195 174 447 17 557 3.444 1.184 1.321 927 13 774

15.381 15.381 1.224 170 505 6 543 3.828 1.074 1.891 858 5 760

15.610 15.610 1.126 182 372 3 569 3.447 1.231 1.698 516 3 739

15.907 15.907 950 158 241 3 548 2.877 1.115 1.551 210 2 651

13.269 13.269 1.133 152 455 3 523 2.797 1.052 1.445 292 8 642

13.298 13.298 1.266 245 509 3 509 2.514 915 1.385 200 14 603

14 83

14 212

14 24

16 221

17 61

17 43

17 114

17 13

17 3

17 27

17 1

18 6

18 6

15 6

7

33

7

11.512 11.512 1.470 8.463 1.579 184 343 122 75 75 114 3

13.808 13.808 1.352 10.690 1.766 193 641 101 102 102 490 3

17.050 17.050 1.433 13.866 1.751 159 581 92 85 85 337 2

19.989 19.989 1.718 16.271 2.000 215 1.194 417 81 81 173 2

19.114 19.114 2.024 14.949 2.142 249 300 420 73 73 261 3

19.457 19.457 2.022 15.296 2.139 243 268 420 72 72 286 2

19.445 19.445 1.947 15.272 2.226 237 311 430 71 71 303 2

18.400 18.400 1.928 14.315 2.157 231 308 28 71 71 235 2

19.166 19.166 1.900 15.049 2.217 229 341 28 67 67 240 2

18.592 18.592 1.866 14.513 2.212 246 351 28 66 66 172 2

17.821 17.821 1.905 13.783 2.132 248 316 28 66 66 174 2

18.241 18.241 1.780 14.311 2.151 248 279 0 65 65 250 2

18.894 18.894 1.741 14.969 2.184 253 282 0 64 64 265 2

18.923 18.923 1.689 15.016 2.219 262 245 0 63 63 259 2

16.077 16.077 1.678 12.639 1.760 261 234 0 61 61 243 2

16.449 16.449 1.669 13.060 1.720 270 181 0 60 60 242 2

16.438 16.438 2.006 12.672 1.759 257 243 0 65 65 128 2

2.124 91 155 -424 52 63

2.208 104 273 -347 59 81

1.872 100 327 -84 15 56

2.137 104 471 49 47 106

2.161 113 417 426 23 63

2.161 112 448 423 32 63

2.185 112 509 421 43 63

1.821 113 526 377 48 63

1.839 122 498 354 38 63

1.833 123 44 839 43 69

1.715 121 85 780 49 69

1.772 126 132 413 58 69

1.772 126 163 412 46 56

1.823 128 206 384 45 40

1.739 139 117 -69 41 50

1.739 139 122 -102 18 73

1.759 139 133 110 -19 73

ket : * data hasil koreksi pada bulan Oktober 2004

9


Miliar Rp

Tabel 1.5 Kegiatan Usaha BPD Indikator

Des

Des

Des


2005

2004

Des Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

10.085 10.015 70 8.245 447 601 6.591 606 3.128 1.396 1.410 276 45 166

15.396 15.373 23 19.099 704 651 16.734 1.011 6.594 2.032 3.026 862 675 198

21.498 21.486 12 20.347 2.281 1.103 16.257 706 10.026 2.693 5.571 1.262 499 420

28.348 28.332 16 14.914 672 726 12.609 907 14.931 3.360 7.224 2.124 2.222 1.315

35.148 35.125 24 8.780 911 848 6.018 1.003 18.559 3.228 11.305 3.435 590 2.394

35.944 35.921 23 9.992 671 1.058 7.181 1.082 16.900 3.268 6.559 4.647 2.426 2.502

36.917 36.898 19 8.977 634 849 6.329 1.165 15.706 3.395 9.943 1.746 622 2.665

37.223 37.203 20 10.267 660 833 7.451 1.323 15.189 3.350 8.115 3.037 688 2.216

37.232 37.209 23 15.177 716 535 12.425 1.501 18.086 4.001 8.045 4.468 1.573 1.290

37.440 37.417 24 11.251 686 815 8.356 1.394 20.706 3.754 9.258 6.051 1.643 1.096

38.049 38.026 23 11.432 645 469 8.915 1.403 21.376 3.783 10.407 5.834 1.352 1.363

38.966 38.939 27 12.015 787 590 9.102 1.536 21.177 4.029 7.035 6.843 3.271 1.418

38.277 38.249 28 10.942 722 809 7.993 1.418 20.487 3.820 11.776 3.761 1.130 1.969

39.247 39.221 26 10.599 661 1.363 7.256 1.319 20.429 3.917 12.138 3.649 726 1.821

42.012 41.985 27 10.444 688 898 7.445 1.413 25.406 4.368 14.246 5.295 1.497 2.280

42.708 42.678 30 11.479 744 714 8.588 1.433 26.579 4.532 14.905 4.358 2.785 2.370

43.561 43.530 32 13.281 742 1.058 9.506 1.975 28.684 4.501 16.367 4.539 3.277 3.031

10 22

45 43

46 -

12 9

12 4

12 5

12 4

12 3

12 3

11 3

11 4

12 13

10 8

10 16

12 4

14 5

14 6


19.813 19.770 10.789 4.156 4.825 43 17 25 756 784 583 275 249 26 879 26

36.968 36.938 22.769 7.011 7.158 30 16 14 581 2.106 569 296 296 1.884 26

45.758 45.717 25.750 10.970 8.998 41 23 17 506 1.968 674 258 258 2.131 12

51.695 51.638 26.452 12.536 12.650 57 40 17 429 2.433 1.146 269 269 2.314 53

56.696 56.600 29.019 15.327 12.254 95 76 20 329 2.367 1.490 296 296 1.115 78

57.093 57.005 28.764 15.665 12.576 88 68 20 326 2.459 1.489 338 338 806 80

54.939 54.853 26.504 15.355 12.993 86 65 20 269 2.687 2.243 391 391 790 93

55.354 55.267 27.247 14.711 13.309 87 65 21 268 2.955 2.343 426 426 715 97

59.486 59.356 30.401 13.560 15.395 130 62 68 256 3.685 2.343 489 489 2.089 116

60.338 60.170 30.862 15.161 14.147 168 102 67 254 2.703 2.343 521 521 880 100

61.774 61.659 31.866 16.501 13.293 114 48 66 254 2.431 2.343 574 574 847 86

63.904 63.790 33.442 17.294 13.054 115 47 68 251 1.907 2.303 621 621 674 76

62.461 62.324 31.880 17.922 12.522 137 70 67 242 1.204 2.282 634 634 633 64

63.145 63.022 32.117 18.281 12.624 123 55 67 241 1.191 2.422 684 684 809 60

69.672 69.553 37.234 19.559 12.760 119 49 70 232 1.199 2.423 693 693 817 55

73.653 73.532 39.691 20.144 13.697 121 47 74 227 1.287 2.556 784 784 851 66

78.208 78.150 43.317 20.609 14.224 59 33 25 226 1.680 2.457 839 839 1.396 86


2.919 193 573 -1.425 4 15

3.306 277 1.098 -1.271 6 59

3.940 409 1.805 -939 4 71

4.571 670 1.732 -474 1 83

4.915 924 1.845 -126 8 148

5.017 928 2.074 -136 4 171

5.054 932 2.325 -172 4 181

5.070 932 2.469 -172 4 188

5.233 939 2.391 -202 4 243

5.255 939 319 2.415 4 237

5.368 939 563 2.430 4 248

5.385 938 783 2.211 8 286

5.289 922 994 2.035 4 274

5.358 1.154 1.254 306 4 292

5.459 1.198 1.477 185 12 230

5.641 1.226 1.726 173 10 248

5.659 1.231 1.950 144 10 266


Miliar Rp

Tabel 1.6 Kegiatan Usaha Bank Campuran Indikator

Des

Des

Des


2005

2004

Des Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

30.376 3.714 26.662 6.977 572 4.998 424 983 10.064 1.391 8.267 358 47 3.543

29.162 4.990 24.172 7.267 1.135 4.268 748 1.117 6.646 1.245 4.668 638 95 883

25.111 5.273 19.838 4.774 504 2.892 241 1.137 9.237 1.398 6.700 1.139 1.470

24.975 6.519 18.456 4.384 488 2.821 321 754 8.965 2.229 5.864 861 10 726

28.785 7.558 21.227 5.223 483 2.870 251 1.619 9.523 1.408 6.183 1.931 1 1.067

28.464 7.968 20.496 4.739 594 2.508 266 1.371 11.128 1.416 4.141 5.391 180 1.289

29.169 8.835 20.334 4.540 554 2.809 270 907 11.062 1.475 8.091 1.495 1.390

29.649 9.159 20.490 5.517 648 3.697 233 939 10.931 1.540 7.454 1.843 95 1.424

30.914 9.904 21.009 4.068 615 2.376 208 869 11.079 2.034 7.198 1.814 33 1.435

30.777 10.047 20.729 4.871 660 3.104 285 822 11.214 1.603 7.738 1.843 30 1.398

31.385 10.130 21.255 5.462 745 3.659 255 803 10.937 1.620 7.724 1.573 20 1.610

32.389 10.511 21.878 4.630 711 3.091 204 624 11.861 2.177 5.339 3.991 355 1.838

33.283 10.713 22.570 4.559 617 3.084 230 628 10.775 1.837 7.755 1.180 2 2.450

33.796 11.082 22.713 5.685 695 4.015 244 731 10.050 1.752 7.148 1.148 3 1.872

34.636 10.483 24.153 5.358 828 3.588 259 683 10.421 1.900 6.535 1.984 1 2.061

42.064 17.658 24.406 7.046 652 4.838 249 1.307 10.259 2.149 7.416 693 1 1.751

44.953 19.474 25.478 9.184 802 6.596 321 1.465 8.536 2.294 5.600 640 2 1.655

71 111

200 2.729

234 1.349

180 1.266

257 1.926

240 1.867

240 2.037

239 2.032

238 2.086

238 2.060

239 2.206

236 2.275

235 2.513

236 2.528

236 2.560

251 2.356

251 2.370


21.993 6.583 2.679 3.791 113 15.410 6.775 8.350 285 14.625 359 359 137 61

23.366 6.689 2.194 4.295 200 16.677 7.676 8.524 477 9.869 1.043 15 1.028 577 77

21.417 7.388 2.609 4.642 136 14.030 6.635 7.265 130 8.354 792 792 511 39

21.827 8.719 2.314 6.167 238 13.108 6.624 6.285 199 8.108 685 685 284 32

26.596 10.583 3.281 6.947 355 16.014 5.228 7.786 10.137 400 400 298 40

27.988 11.949 3.343 8.258 348 16.039 8.162 7.877 9.517 388 388 293 95

28.710 12.074 3.252 8.492 329 16.636 8.463 8.174 44 9.690 257 257 259 100

29.536 12.466 3.295 8.848 323 17.070 8.925 8.145 10.059 248 248 306 136

28.293 12.639 2.895 9.413 331 15.654 7.504 8.150 11.714 218 218 222 124

27.947 12.262 3.164 8.769 329 15.685 7.861 7.823 11.866 212 212 1.157 84

29.082 12.988 3.604 9.062 323 16.093 8.267 7.827 12.064 38 38 291 89

30.597 14.212 3.625 10.192 395 16.385 8.215 8.170 11.804 38 38 394 54

30.869 14.267 3.218 10.616 434 16.602 8.362 8.240 233 12.488 39 39 356 83

30.811 13.972 3.378 10.239 355 16.839 8.757 8.082 12.911 306 71

32.538 15.041 4.938 9.751 351 17.498 9.502 7.996 13.381 379 82

39.503 20.710 5.265 14.268 1.177 18.793 8.424 10.369 1.276 13.723 10 8 8 612 80

43.063 21.979 5.891 14.922 1.167 21.083 9.094 11.990 1.056 13.252 10 8 8 932 85


7.260 384 1.792 -4.596 963 132

8.110 464 1.505 -3.634 432 143

8.645 657 494 -2.731 1.480 45

7.543 792 939 -1.916 1.484 -

7.599 883 610 -1.091 1.481 -

7.599 883 661 -1.091 1.481 -

7.599 883 767 -1.092 1.481 -

7.599 883 864 -1.092 1.481 -

7.599 883 1.053 -1.092 1.487 -

7.599 881 67 -39 1.501 -

8.499 881 147 -43 1.494 -

8.499 883 294 -144 1.480 -

8.499 722 446 -72 1.478 -

8.499 722 569 -65 1.476 -

7.599 788 673 -141 1.470 -

7.951 788 822 216 1.042 -

7.951 820 969 155 990 -

11


Miliar Rp

Tabel 1.7 Kegiatan Usaha Bank Asing Indikator

Des

Des

Des

2000 2001 2002 2003 Penyaluran Dana a. Kredit * Rupiah Valas b. Antar Bank Giro Inter Bank Call Money 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

2005

2004

Des Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

46.867 14.291 32.576 23.655 1.934 15.363 407 5.951 16.337 2.923 12.597 602 214 2.928

44.677 17.598 27.078 36.992 560 29.067 1.463 5.902 10.538 2.945 5.834 345 1.415 3.078

36.341 17.750 18.591 29.484 225 21.756 384 7.119 10.614 2.779 7.076 759 1 2.746

35.560 19.075 16.485 26.708 546 18.588 7.574 13.544 3.271 9.027 1.245 1.682

41.547 21.606 19.942 30.616 274 16.560 53 13.729 18.342 3.696 9.081 5.046 519 1.992

41.322 21.953 19.369 28.727 330 15.402 41 12.954 18.815 3.760 5.259 8.168 1.628 1.741

42.145 22.478 19.667 27.753 224 17.536 2 9.991 16.873 3.756 7.452 5.181 485 1.752

42.194 23.025 19.169 28.699 372 17.354 2 10.971 14.419 3.666 6.458 4.294 2 1.657

44.192 23.172 21.020 25.516 664 12.349 1.710 10.793 16.741 3.825 6.290 6.571 54 2.973

44.898 23.046 21.851 25.464 346 12.756 1.413 10.949 18.334 4.113 7.869 6.304 48 2.432

45.590 23.259 22.332 26.127 274 13.115 1.914 10.824 21.552 4.520 14.223 2.808 1 3.940

47.054 23.574 23.480 29.905 264 16.289 1.026 12.326 18.715 4.559 6.652 7.253 251 3.945

47.303 24.169 23.134 35.911 724 23.055 287 11.845 23.361 4.756 13.845 3.473 1.287 3.187

53.285 29.388 23.897 39.420 644 24.219 308 14.249 20.438 9.137 7.697 3.249 355 3.958

53.460 28.588 24.872 33.952 385 18.605 361 14.601 12.817 5.318 5.185 1.713 601 2.235

57.008 30.534 26.474 33.780 555 21.161 322 11.742 11.230 3.947 6.210 1.072 1 2.087

60.844 32.459 28.385 40.944 931 24.263 310 15.440 10.565 4.760 4.936 863 7 2.185

9 191

18 2.675

171 2.563

69 1.495

149 2.202

155 2.240

81 1.737

86 2.433

85 2.765

87 2.292

84 2.362

52 2.128

44 2.524

59 2.591

43 2.812

43 2.596

43 3.777

64.867 20.779 6.924 11.469 2.386 44.088 19.804 23.966 318 3.494 513 306

68.436 22.681 6.222 14.157 2.302 45.755 19.470 25.646 639 6.603 51 2.002 215

59.900 21.898 6.735 13.061 2.102 38.002 18.527 18.901 575 6.385 19 1.907 202

66.041 29.444 8.640 18.377 2.427 36.597 16.761 19.062 774 7.856 1.280 409

77.781 34.467 10.487 21.408 2.571 43.314 20.889 21.912 513 9.607 1.265 562

76.881 36.079 10.627 22.797 2.655 40.801 19.099 21.258 444 10.051 1.323 731

70.132 33.621 11.640 19.431 2.550 36.511 16.622 19.485 403 783 10.271 1.223 565

75.150 34.341 12.004 19.817 2.520 40.809 19.913 20.522 374 10.294 1.255 690

74.796 35.443 11.744 21.149 2.550 39.353 19.608 19.407 338 11.491 1.386 476

78.676 37.642 12.609 22.444 2.589 41.034 19.902 20.798 333 10 11.142 1.380 385

81.465 38.567 12.580 23.331 2.655 42.898 20.981 21.612 306 10.759 1.539 586

83.705 39.196 13.734 22.531 2.932 44.508 21.478 22.637 393 1 12.140 1.379 693

92.436 44.129 11.147 30.105 2.877 48.307 22.962 24.976 369 1.135 14.123 1.548 512

95.957 46.542 20.218 23.557 2.767 49.415 22.267 26.656 492 19.595 1.485 346

84.959 36.608 12.575 21.308 2.725 48.350 22.648 24.980 722 19.666 1.915 243

85.606 36.609 11.246 22.279 3.083 48.998 22.113 25.210 1.674 337 18.638 1.822 496

92.218 36.455 11.851 21.317 3.287 55.762 23.683 29.201 2.878 3 21.752 3.747 431

601 653 -535 -

601 1.278 -496 -21 -

2.221 2.484 2.120 138 -

2.221 1.677 696 950 -

2.221 1.975 1.633 1.045 -

2.221 2.172 1.633 1.059 -

1.952 2.196 1.310 101 -

2.221 2.444 2.494 126 -

2.221 2.462 2.496 133 -

2.221 340 4.035 1.085 -

2.313 529 4.027 1.021 -

2.221 625 4.102 921 -

2.221 901 3.703 920 -

2.221 1.059 3.619 941 -

2.221 1.386 3.607 900 -

2.221 1.492 3.613 794 -

3.376 1.294 3.167 384 -

ket : * data hasil koreksi pada bulan Okt, Nov, Des 2004


Miliar Rp

Tabel 1.8 Laporan Laba / Rugi Bank Umum Des

Des

Des

2004

Des

2000 2001 2002 2003

Ags

Sep

Okt

2005 Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

A. Pendapatan operasional 1. Pendapatan bunga/bagi hasil/margin Penduduk a. Dari Bank ndonesia 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

130.125 100.733 92.043 18.623 8.289 65.132 33.369 31.161 602 8.690 4.055 18.623 1.110 371 629 110 105 10.385 4.914 13.988

152.435 128.356 121.083 22.615 8.508 89.960 47.963 41.337 660 7.273 3.720 2.812 741 197 256 288 477 9.934 6.017 7.651

160.604 133.835 129.807 23.880 7.196 98.731 47.692 50.055 985 4.029 1.784 1.524 721 456 130 134 3.208 10.553 8.023 4.984

146.675 115.818 113.443 12.486 5.199 95.757 37.584 57.635 538 2.375 1.162 911 303 142 147 14 4.192 11.466 8.978 6.221

101.005 74.929 73.605 6.733 3.896 62.977 19.567 42.867 542 1.324 319 705 300 187 78 35 2.929 11.320 7.486 4.340

112.672 84.369 82.928 7.457 4.394 71.076 21.872 48.620 584 1.442 349 828 265 129 86 50 2.067 11.679 8.412 6.145

123.125 92.822 91.260 7.948 4.669 78.643 23.745 54.215 683 1.563 386 891 285 155 78 52 2.146 12.285 9.346 6.526

136.409 103.098 101.335 8.709 4.550 88.075 26.058 61.251 767 1.763 423 1.030 311 170 87 54 2.545 13.262 10.379 7.124

160.175 113.812 111.802 9.437 5.021 97.343 28.569 67.924 850 2.011 478 1.167 365 186 124 56 2.592 24.194 11.680 7.897

15.438 10.290 10.087 799 529 8.759 2.292 6.421 45 203 39 131 32 15 17 1 331 3.001 1.076 740

26.389 19.674 19.320 1.516 1.056 16.748 4.327 12.289 131 354 77 216 61 29 24 8 326 3.154 2.037 1.198

39.987 29.983 29.418 2.314 1.340 25.764 6.670 18.950 145 565 119 351 94 44 35 15 177 4.886 3.198 1.742

52.496 40.425 39.667 3.015 1.914 34.737 8.937 25.626 174 758 161 470 127 59 51 17 213 5.361 4.298 2.199

62.210 50.234 49.299 3.732 2.454 43.113 11.163 31.423 527 934 202 580 153 71 64 18 633 3.422 5.423 2.499

77.991 61.198 60.006 4.401 2.991 52.613 13.575 38.745 294 1.192 243 681 268 162 79 27 912 6.302 6.617 2.962

89.794 71.686 70.318 5.022 3.704 61.592 15.823 45.101 669 1.368 282 803 282 162 92 28 911 2.795 7.892 3.510

114.024 82.635 80.956 5.642 4.439 70.875 18.241 52.202 433 1.679 377 922 381 220 123 38 815 17.281 9.040 4.253

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

130.729 76.135 65.815 1.690 6.513 57.611 5.366 36.530 12.177 1.674 583 1.282 10.278 3.910 4.073 2.295 60 1.060 93 150 647 284 42 3.844 757 24.291 25.702

150.162 90.498 81.850 812 5.275 75.762 7.154 51.317 13.983 1.225 499 1.583 8.527 3.997 3.768 763 24 50 6 114 467 102 121 6.116 891 24.322 28.335

151.542 90.941 86.771 693 5.277 80.801 6.945 56.106 15.054 571 437 1.689 4.132 2.072 1.508 552 16 66 18 25 340 87 38 5.932 806 23.428 30.435

130.243 66.320 64.193 737 2.534 60.922 5.682 39.017 12.616 266 1.109 2.232 2.103 1.306 475 322 15 56 12 178 8 54 24 10.033 719 16.973 36.198

85.177 32.205 30.697 441 1.754 28.502 3.362 15.079 7.241 212 960 1.648 872 326 420 126 8 26 6 66 4 16 635 9.947 397 17.162 25.466

93.786 36.333 34.627 476 1.890 32.261 3.814 16.987 8.180 228 1.078 1.974 1.017 363 466 188 9 29 3 75 5 66 689 9.840 470 18.216 28.927

102.885 39.096 37.209 516 2.069 34.624 4.222 18.480 9.143 216 1.194 1.369 1.126 404 508 214 9 32 4 85 5 79 762 10.325 528 19.610 33.326

113.907 43.644 41.591 590 2.359 38.643 4.662 20.740 10.088 236 1.303 1.614 1.237 442 584 211 11 39 5 93 6 57 816 11.357 590 21.316 37.000

122.759 48.042 45.639 656 2.614 42.369 5.092 22.756 11.043 260 1.437 1.781 1.336 501 646 188 12 43 5 100 9 20 1.068 9.504 660 22.109 42.444

13.512 4.479 4.037 44 255 3.738 451 2.012 971 33 144 127 124 43 63 18 1 7 2 2 6 318 2.852 68 2.871 3.242

22.236 8.433 7.711 80 502 7.130 861 3.839 1.859 53 282 236 302 82 119 101 2 12 1 9 4 74 420 2.815 112 4.266 6.610

34.094 12.751 11.815 122 784 10.909 1.301 5.887 2.828 98 430 366 459 127 184 148 3 17 2 14 27 85 477 4.248 169 5.862 11.064

44.467 17.235 16.001 171 1.090 14.739 1.733 7.996 3.761 120 623 505 572 171 254 146 4 23 2 19 9 90 663 4.393 212 7.799 14.828

52.041 21.475 20.717 211 1.413 19.093 2.195 10.292 4.700 141 807 958 725 219 321 185 6 29 2 35 11 102 34 2.430 275 9.324 18.537

68.008 26.312 24.861 251 1.773 22.837 2.657 12.613 5.580 165 1.023 799 881 271 408 201 7 33 3 27 5 125 571 4.285 332 14.332 22.747

75.807 31.076 29.836 299 2.026 27.512 3.140 15.117 6.499 181 1.218 1.356 1.213 346 614 253 9 40 3 32 17 152 27 3.697 403 13.590 27.041

96.311 35.983 34.604 487 2.497 31.620 3.653 17.776 7.447 205 1.310 1.228 1.329 437 560 332 11 48 4 44 52 173 49 11.014 452 16.235 32.627

-604 69.165 58.012 11.153 10.537 12.106

2.273 63.931 50.461 13.470 15.742 12.204

9.062 64.673 51.825 12.848 21.910 16.538

16.432 51.671 39.729 11.942 28.853 22.875

15.828 34.046 22.967 11.079 26.910 20.560

18.886 37.160 24.830 12.330 31.216 23.966

20.240 40.382 27.235 13.147 33.387 25.120

22.502 43.364 29.860 13.504 36.006 26.833

37.416 50.440 46.763 3.677 41.094 29.463

1.926 5.347 3.662 1.685 3.611 3.033

4.153 7.995 5.430 2.565 6.718 5.294

5.893 13.885 8.726 5.159 11.052 8.596

8.029 18.569 11.848 6.721 14.750 11.254

10.169 19.973 14.090 5.883 16.050 12.513

9.983 24.620 18.839 5.781 15.765 12.034

13.987 27.867 21.874 5.993 19.981 15.249

17.713 34.165 29.073 5.092 22.805 17.547

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

Laba Operasional Pendapatan non-operasional Beban non operasional Laba non operasional Laba tahun berjalan Laba ( setelah taksiran pajak penghasilan )

13


Miliar Rp

Tabel 1.9 Laporan Laba / Rugi Bank Persero Des

Des

Des

2004

Des

2000 2001 2002 2003

Ags

Sep

Okt

2005 Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags


66.525 51.168 46.324 1.397 3.371 41.557 25.921 15.438 198 4.844 2.851 1.407 585 23 484 79 4 2.601 1.609 11.143

72.468 63.855 59.487 2.916 2.210 54.361 36.127 18.160 74 4.368 2.580 1.189 600 152 196 252 120 1.821 1.737 4.935

77.706 66.090 63.493 4.324 2.020 57.149 34.894 22.043 212 2.597 1.354 586 657 397 126 134 2.622 4.173 2.516 2.305

62.802 52.184 50.739 2.378 1.577 46.785 22.950 23.747 88 1.445 1.012 250 183 30 140 12 1.943 3.701 2.345 2.628

41.921 34.423 33.791 1.305 1.987 30.500 11.363 19.056 81 632 283 223 126 36 72 18 1.406 1.550 2.352 2.190

47.222 38.645 37.932 1.446 2.292 34.194 12.629 21.470 95 713 311 236 166 39 79 47 389 1.727 2.682 3.778

52.515 42.996 42.222 1.537 2.388 38.297 13.606 24.600 91 774 346 246 182 56 76 50 328 2.187 3.019 3.984

57.385 46.885 46.035 1.604 1.968 42.462 14.788 27.568 107 850 379 274 198 61 85 51 536 2.464 3.300 4.200

74.703 51.983 51.025 1.739 2.191 47.095 16.267 30.710 119 957 425 313 219 68 99 53 519 13.789 3.741 4.672

5.516 4.616 4.527 153 262 4.112 1.199 2.900 14 89 38 33 18 4 12 1 41 79 307 474

10.299 8.807 8.638 291 504 7.843 2.327 5.485 31 169 75 53 41 9 24 8 41 191 590 670

15.308 13.297 13.038 443 660 11.934 3.498 8.408 28 260 116 81 63 13 34 15 21 221 945 824

20.566 17.905 17.550 587 889 16.074 4.642 11.397 34 354 157 113 85 18 50 17 23 305 1.270 1.063

24.985 21.392 20.955 709 1.082 19.163 5.870 13.249 44 438 197 138 103 22 63 18 378 513 1.612 1.090

32.455 26.451 25.912 827 1.290 23.796 7.129 16.612 55 539 237 172 130 27 77 26 623 2.146 1.990 1.244

35.902 30.310 29.687 950 1.595 27.142 8.301 18.766 76 623 275 199 150 31 91 27 631 1.205 2.364 1.391

49.343 34.777 34.068 1.064 1.861 91.143 9.555 21.481 107 709 325 161 223 70 116 37 520 9.414 2.702 1.930

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. Lainnya

75.543 41.469 34.654 949 4.882 28.823 1.896 19.373 5.608 749 252 945 6.800 2.483 2.305 2.012 38 1.028 89 11 647 199 15 1.642 452 31.965

75.186 47.588 42.245 375 3.039 38.830 3.057 27.298 6.524 597 161 1.193 5.239 2.432 2.238 568 4 13 84 466 1 104 416 292 26.786

76.343 47.549 45.086 351 3.193 41.542 2.919 29.324 7.298 486 123 1.393 2.453 1.188 868 397 5 25 13 14 340 10 1.191 251 27.342

58.297 31.689 30.348 359 844 29.145 2.081 18.638 5.515 193 671 2.046 1.340 889 237 214 7 20 5 174 8 1 3.557 228 22.822

39.097 15.535 14.384 230 695 13.460 1.500 6.279 3.496 171 580 1.434 541 157 301 83 4 10 1 64 3 1 610 1.590 90 21.272

43.051 17.429 16.119 239 701 15.180 1.711 7.000 3.958 183 641 1.686 646 176 329 141 4 11 72 3 50 663 1.551 107 23.301

48.217 18.488 17.034 261 750 16.023 1.896 7.683 4.462 162 762 1.058 717 197 359 161 5 12 80 4 61 737 1.937 126 26.929

52.704 20.285 18.717 309 833 17.575 2.067 8.383 4.897 177 797 1.255 778 217 413 147 6 14 86 4 38 790 2.232 135 29.262

56.494 22.267 20.418 348 924 19.147 2.256 9.097 5.381 192 858 1.361 811 242 450 118 7 17 90 4 1.037 1.247 156 31.787

5.396 2.103 1.719 23 93 1.603 196 742 453 28 85 99 67 22 35 10 1 3 6 318 87 8 2.880

9.456 3.872 3.253 38 187 3.028 364 1.405 873 45 160 181 200 44 71 85 1 5 5 1 73 419 188 17 4.960

14.310 5.754 4.997 57 296 4.645 527 2.170 1.331 84 244 289 282 68 111 102 2 7 8 1 84 475 240 26 7.815

19.097 7.742 6.723 84 399 6.239 694 2.929 1.778 103 342 392 358 93 153 112 2 10 10 1 89 661 248 36 10.410

22.865 8.993 8.523 101 517 7.905 875 3.744 2.223 121 438 504 440 116 193 131 2 13 13 2 102 30 427 46 13.369

31.991 11.420 10.321 118 648 9.555 1.068 4.555 2.651 134 533 615 532 140 235 157 3 15 13 2 124 567 1.149 54 18.801

33.023 12.983 12.349 144 774 11.431 1.282 5.445 3.081 147 639 837 611 179 257 175 4 18 15 2 135 23 475 85 19.457

43.645 15.123 14.387 298 904 13.184 1.495 6.405 3.525 165 630 964 691 191 257 243 4 23 25 36 155 45 4.987 101 23.389

C. D. E. F. G.

-9.018 22.627 10.685 11.942 6.807

-2.718 11.425 3.461 7.964 4.735

1.363 15.656 6.877 8.779 8.061

4.505 11.085 2.875 8.210 11.068

2.824 11.490 2.900 8.590 8.761

4.171 11.879 2.378 9.501 10.833

4.298 12.337 2.347 9.990 10.686

4.681 12.333 2.322 10.011 11.165

18.209 14.736 15.832 (1.096) 12.501

120 1.880 736 1.144 1.313

843 1.993 381 1.612 2.014

998 4.752 1.114 3.638 3.784

1.469 6.559 1.600 4.959 4.944

2.120 5.097 1.361 3.736 4.757

464 5.851 3.013 2.838 2.530

2.879 5.848 3.153 2.695 4.376

5.698 7.967 6.452 1.515 5.786

Laba Operasional Pendapatan non-operasional Beban non operasional Laba non operasional Laba ( setelah taksiran pajak penghasilan )


Miliar Rp

Tabel 1.10 Laporan Laba / Rugi BUSN Devisa Des

Des

Des

2004

Des

2000 2001 2002 2003

Ags

Sep

Okt

2005 Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags


42.347 33.804 31.449 13.409 2.992 15.047 7.098 7.805 144 2.355 1.189 909 257 134 101 21 100 5.421 1.625 1.396

49.821 44.625 42.754 16.119 3.278 23.357 10.762 12.244 350 1.871 1.122 645 104 44 60 350 697 2.143 2.005

52.267 45.964 45.129 15.376 1.776 27.978 11.605 15.975 398 835 421 363 51 47 5 526 859 3.210 1.707

52.125 42.438 41.862 6.965 1.248 33.648 12.939 20.660 49 576 147 335 94 92 1 2 2.074 1.309 3.900 2.404

32.315 26.299 25.882 3.518 585 21.779 7.390 14.265 124 417 33 231 153 150 2 645 854 2.952 1.564

36.203 29.613 29.206 3.887 635 24.685 8.345 16.240 100 407 36 280 91 88 1 2 637 913 3.258 1.784

40.375 33.085 32.651 4.261 723 27.667 9.288 18.276 104 435 38 296 101 97 1 3 730 967 3.650 1.943

44.590 36.486 36.002 4.576 775 30.650 10.211 20.321 118 484 41 333 110 106 1 3 781 1.145 4.037 2.141

48.921 40.071 39.536 4.957 855 33.724 11.138 22.445 140 535 49 367 120 116 1 3 849 1.148 4.441 2.412

4.526 3.599 3.546 400 76 3.070 923 2.137 10 53 1 43 9 9 139 146 448 194

8.573 6.975 6.876 741 137 5.998 1.804 4.176 18 99 1 79 19 19 141 220 833 405

13.092 10.698 10.553 1.095 212 9.246 2.738 6.477 32 146 1 115 29 28 1 127 329 1.301 637

17.605 14.473 14.281 1.418 306 12.557 3.673 8.844 41 193 2 152 39 38 1 124 416 1.754 837

22.197 18.317 18.072 1.719 413 15.940 4.613 11.256 71 245 2 197 46 45 1 151 487 2.199 1.043

26.895 22.212 21.867 2.026 530 19.311 5.562 13.661 88 345 3 211 132 130 1 1 179 543 2.674 1.287

31.098 25.598 25.216 2.249 648 22.319 6.535 15.685 99 382 4 251 127 126 1 1 167 622 3.106 1.605

36.154 29.739 29.244 2.494 812 25.938 7.541 18.284 113 495 48 302 145 143 1 1 169 906 3.601 1.740


37.793 26.487 24.273 645 963 22.665 2.349 13.260 5.846 842 207 161 2.202 1.013 942 246 11 19 3 128 84 13 802 171 10.320

47.558 32.600 30.341 354 1.207 28.781 2.667 18.535 6.654 602 166 156 2.254 1.125 961 167 10 22 5 28 101 5 299 407 14.247

49.776 32.476 31.474 277 1.150 30.047 2.373 20.549 6.814 54 125 132 990 421 441 128 7 20 4 10 87 12 723 409 16.156

45.890 25.343 24.996 317 1.024 23.655 2.127 15.021 6.154 40 228 85 346 146 118 81 3 16 6 4 51 1.029 260 19.258

25.179 11.738 11.641 175 653 10.813 1.106 6.186 3.209 18 211 83 97 40 33 24 1 4 2 2 1 13 552 93 12.796

28.446 13.298 13.190 196 732 12.262 1.242 7.011 3.616 20 243 131 108 42 38 28 2 5 2 3 1 14 612 107 14.429

31.881 14.891 14.772 217 825 13.731 1.386 7.869 4.041 22 273 140 119 45 42 33 1 6 3 5 2 16 648 16.342

35.146 16.449 16.318 239 420 15.159 1.529 8.699 4.448 25 303 155 131 47 46 38 2 6 3 7 2 17 809 137 17.751

38.322 18.097 17.939 260 985 16.693 1.684 9.570 4.882 28 333 196 158 62 52 44 2 7 4 10 4 17 743 229 19.253

3.589 1.678 1.667 18 97 1.552 145 915 442 3 31 316 11 5 6 1 2 2 71 30 1.810

6.801 3.195 3.174 36 189 2.949 274 1.737 839 5 62 32 21 1 9 10 2 1 4 3 99 33 3.474

10.313 4.856 4.823 56 293 4.473 416 2.634 1.273 7 98 45 34 1 15 17 3 2 6 5 183 39 5.235

13.948 6.568 6.521 76 378 6.067 568 3.549 1.697 9 174 71 47 2 23 22 1 4 2 9 7 232 50 7.098

17.609 8.376 8.305 95 487 7.724 720 4.545 2.120 11 233 95 71 2 29 40 1 5 2 22 10 268 61 8.904

21.507 10.198 10.112 115 595 9.402 877 5.577 2.527 14 298 110 86 3 56 27 1 6 2 14 3 315 72 10.922

24.863 11.857 11.739 119 707 10.913 997 6.488 2.931 15 349 133 118 5 74 40 1 8 3 16 12 352 83 12.571

29.154 13.915 13.723 133 847 12.743 1.154 7.637 3.354 18 417 164 192 49 96 47 2 9 3 19 14 570 89 14.580

C. D. E. F. G.

4.554 42.275 44.501 -2.226 2.121

2.263 45.640 43.305 2.335 3.315

2.491 42.013 40.032 1.981 3.367

6.235 35.037 33.286 1.751 6.988

7.136 18.861 17.325 1.536 6.954

7.757 21.519 19.478 2.041 7.778

8.494 24.040 21.786 2.254 8.442

9.444 26.579 24.056 2.523 9.364

10.599 30.257 26.794 3.463 10.571

937 2.785 2.460 325 950

1.772 5.184 4.468 716 1.956

2.779 7.766 6.664 1.102 2.979

3.657 10.234 8.955 1.279 3.805

4.588 12.733 11.273 1.460 4.668

5.388 15.908 13.783 2.125 5.721

6.235 18.032 15.580 2.452 6.568

7.000 20.976 18.304 2.672 7.265


15


Miliar Rp

Tabel 1.11 Laporan Laba / Rugi BUSN Non Devisa Des

Des

2000 2001

Des

2004

Des

2002 2003

Ags

Sep

Okt

2005 Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags


2.077 1.923 1.923 355 175 1.393 68 1.321 4 44 110

3.025 2.823 2.823 440 169 2.214 312 1.897 5 1 66 135

3.732 3.478 3.478 458 178 2.842 415 2.412 16 34 82 138

4.002 3.673 3.673 306 168 3.199 477 2.717 4 87 98 145

2.386 2.182 2.168 105 100 1.962 193 1.767 2 15 15 15 34 70 99

2.665 2.417 2.417 120 112 2.185 213 1.970 2 48 78 122

1.986 1.797 1.797 84 54 1.658 87 1.517 54 30 57 102

3.044 2.754 2.754 146 132 2.476 145 2.271 60 51 88 151

3.340 3.021 3.021 161 143 2.717 162 2.491 65 52 96 170

269 241 237 16 10 211 9 197 5 4 4 4 1 7 19

505 461 461 28 19 414 17 386 11 2 14 28

777 706 706 42 28 636 26 594 16 2 23 46

1.039 945 945 57 37 851 35 794 21 3 32 59

1.325 1.200 1.200 72 60 1.069 47 996 26 41 80

1.185 1.080 1.080 78 54 948 55 893 49 52

1.389 1.269 1.269 89 69 1.112 64 1.046 2 57 58

1.602 1.467 1.467 100 70 1.296 77 1.217 2 1 5 68 62

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. Lainnya

1.897 1.136 1.123 15 30 1.078 99 825 128 2 20 4 14 33 714

2.736 1.870 1.869 12 46 1.811 120 1.444 155 7 68 18 33 833

3.347 2.444 2.443 13 58 2.373 117 1.995 158 5 85 13 1 4 898

3.426 2.157 2.152 14 63 2.075 97 1.769 134 5 62 8 5 6 1.258

1.928 932 907 14 26 868 53 679 70 3 53 9 25 7 964

2.174 1.053 1.028 15 27 986 60 772 79 3 60 11 25 9 1.087

1.540 738 713 17 13 684 53 560 58 3 7 4 24 9 769

2.473 1.181 1.155 19 30 1.106 73 902 95 4 21 11 26 12 1.254

2.741 1.303 1.275 21 32 1.223 80 1.000 104 4 23 12 27 13 1.398

221 112 112 1 2 109 7 91 9 2 1 108

418 210 210 3 4 203 12 170 17 3 1 1 3 205

637 320 319 4 5 310 19 260 26 1 3 1 1 4 312

891 431 430 6 7 418 25 353 35 1 3 2 1 6 453

1.135 555 552 7 9 537 31 456 43 1 3 2 2 7 571

1.090 550 548 9 7 532 37 443 45 1 3 2 2 9 529

1.285 653 651 10 9 632 43 529 53 2 3 2 3 11 618

1.483 762 759 12 10 737 49 619 61 2 3 3 3 12 706

180 455 414 41 155

289 788 711 77 273

385 864 806 58 327

576 614 580 34 471

458 344 324 20 417

491 396 370 26 448

446 349 335 14 509

571 524 495 29 526

599 615 549 66 498

48 47 45 2 44

87 96 88 8 85

140 160 134 26 132

148 220 182 38 163

190 274 230 44 206

95 257 196 61 117

104 293 231 62 122

119 330 267 63 133

C. D. E. F. G.


ket : * Data revisi pada bulan Februari 2005


Miliar Rp

Tabel 1.12 Laporan Laba / Rugi BPD Des

Des

2000 2001

Des

2002 2003

2005

2004

Des Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags


3.277 2.980 2.968 250 935 1.783 117 1.658 8 12 2 10 10 4 154 138

5.961 5.516 504 770 1.710 3.025 354 2.656 15 11 11 11 6 191 249

8.599 8.131 8.122 1.084 2.759 4.280 164 4.096 20 8 8 1 254 213

9.120 8.511 8.503 1.044 1.823 5.637 163 5.464 10 8 2 6 6 21 309 278

6.387 5.788 5.768 686 424 4.658 194 4.462 3 20 15 5 5 45 1 251 302

7.195 6.545 6.540 771 474 5.295 199 5.093 3 6 6 6 91 1 287 271

8.056 7.328 7.328 857 539 5.932 224 5.697 10 102 1 323 302

8.902 8.092 8.092 915 588 6.589 266 6.312 11 131 1 350 328

9.803 8.888 8.864 993 643 7.229 281 6.934 14 24 23 23 145 1 394 375

907 826 826 100 67 659 12 646 14 30 36

1.682 1.555 1.555 193 133 1.229 24 1.200 5 17 56 54

2.597 2.397 2.396 300 219 1.877 37 1.826 14 1 25 90 85

3.378 3.100 3.099 391 293 2.415 52 2.354 9 1 27 1 124 127

4.271 3.921 3.920 490 361 3.070 69 3.000 1 1 1 30 1 158 161

5.192 4.765 4.764 608 407 3.749 102 3.646 2 1 1 33 2 200 193

6.387 5.880 5.879 759 507 4.612 126 4.485 2 1 1 34 2 247 224

7.395 6.820 6.813 896 600 5.316 153 5.161 3 8 2 6 6 35 4 281 254


2.809 1.420 1.415 77 108 1.231 304 437 378 6 97 8 5 4 1 1 4 1 1.384

4.661 2.288 2.286 72 179 2.035 620 800 464 17 101 33 2 2 4 13 2.356

6.626 3.744 3.744 53 238 3.454 1.058 1.604 614 19 104 55 1 6 2.875

7.205 3.764 3.764 46 157 3.560 1.002 1.688 655 21 148 46 12 3.429

4.423 1.800 1.796 23 72 1.701 473 668 408 18 109 24 3 3 1 2 10 2.613

4.992 2.042 2.042 25 83 1.934 542 755 462 19 126 30 12 2.938

5.667 2.281 2.281 21 94 2.166 606 841 515 28 143 33 13 3.373

6.283 2.538 2.538 23 104 2.410 671 933 569 29 170 38 14 3.731

7.219 2.798 2.798 26 120 2.652 719 1.025 624 33 209 43 19 4.402

564 250 250 1 11 237 70 76 61 2 25 3 2 312

1.096 502 502 2 24 475 142 162 111 3 52 7 3 591

1.794 791 791 4 35 752 227 258 168 7 80 12 4 999

2.343 1.035 1.035 6 36 993 297 359 210 7 102 19 4 1.304

2.953 1.319 1.319 7 42 1.270 379 467 262 8 129 25 5 1.629

3.644 1.602 1.602 8 46 1.548 459 571 322 15 156 24 6 2.036

4.573 1.979 1.979 10 60 1.910 582 711 375 18 194 31 11 2.583

5.358 2.311 2.309 11 65 2.234 669 848 437 20 223 37 2 2 1 1 11 3.036

468 988 830 158 526

1.300 1.963 1.795 168 1.098

1.973 2.957 2.827 130 1.806

1.915 2.690 2.495 195 1.732

1.964 1.374 1.271 103 1.845

2.203 1.567 1.459 108 2.074

2.389 1.868 1.665 203 2.325

2.619 2.009 1.867 142 2.469

2.584 2.284 2.121 163 2.391

343 286 260 26 319

586 426 392 34 563

803 698 636 62 783

1.035 864 791 73 994

1.318 1.072 998 74 1.254

1.548 1.314 1.215 99 1.477

1.814 1.697 1.583 114 1.726

2.037 1.993 1.852 141 1.950

C. D. E. F. G.


17


Miliar Rp

Tabel 1.13 Laporan Laba / Rugi Bank Campuran Des

Des

2000 2001

Des

2002 2003

2005

2004

Des Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags


5.680 4.006 3.423 1.078 200 2.145 68 1.913 165 584 328 255 215 32 9 1 630 350 693

6.197 3.956 3.697 919 283 2.496 267 2.091 138 259 233 26 1 25 1 1.620 448 171

4.745 3.273 3.164 1.060 150 1.954 61 1.727 166 109 104 5 5 939 369 163

3.895 2.662 2.592 760 153 1.679 71 1.475 134 70 66 4 3 1 583 417 233

2.751 1.923 1.875 456 155 1.264 88 1.028 148 48 46 1 1 408 335 85

3.106 2.190 2.135 509 181 1.445 101 1.173 171 54 53 1 1 1 446 381 89

2.976 2.064 2.017 420 187 1.410 90 1.127 193 48 46 1 1 1 473 360 79

3.873 2.755 2.686 630 221 1.835 137 1.483 214 70 68 2 1 1 562 462 94

4.344 3.056 2.979 688 244 2.047 147 1.668 232 77 76 2 1 1 650 511 127

432 287 279 64 14 202 16 175 12 8 8 96 45 3

745 556 540 122 27 392 33 335 24 16 16 97 87 6

1.248 860 835 190 44 602 47 520 35 25 25 237 137 14

1.725 1.167 1.133 249 57 827 71 716 40 34 33 339 186 33

2.089 1.492 1.447 314 66 1.067 93 923 51 45 44 328 233 35

2.622 1.825 1.768 375 82 1.311 116 1.128 67 58 56 1 1 471 285 41

3.605 2.628 2.559 461 119 1.979 149 1.747 83 69 69 9 533 370 65

4.592 3.095 3.009 520 166 2.323 169 2.056 98 86 85 1 1 11 984 427 75


4.100 2.188 1.395 4 337 1.054 133 715 64 74 7 62 793 28 740 25 8 6 11 1 558 72 1.282

5.064 2.196 1.622 346 1.276 158 935 35 2 2 144 574 3 559 12 7 3 1 949 86 1.833

4.097 1.372 1.165 271 895 137 687 38 7 26 207 1 196 9 2 6 755 37 1.933

3.089 1.068 935 194 741 123 539 29 7 43 133 1 119 13 1 9 2 1 347 34 1.639

2.132 804 711 175 535 66 364 7 2 1 96 93 85 8 1 6 2 267 27 1.034

2.352 920 812 203 609 72 411 9 2 1 114 108 98 10 1 7 2 273 31 1.128

2.183 889 773 216 557 70 348 4 2 1 132 116 106 10 1 7 2 281 32 981

2.849 1.170 1.034 257 777 88 525 9 2 3 151 136 124 12 1 9 2 347 38 1.294

3.270 1.295 1.139 279 860 95 585 10 2 3 165 156 143 14 1 9 3 430 43 1.502

332 120 96 19 77 8 61 1 7 24 22 2 2 63 3 146

546 226 185 36 148 15 107 13 1 13 41 37 4 3 1 48 7 265

985 345 283 54 230 24 168 20 17 61 56 5 1 3 1 158 11 471

1.304 467 383 69 314 33 235 26 20 84 77 7 1 5 1 237 15 585

1.528 603 498 93 404 42 302 34 1 26 105 98 7 1 6 205 18 702

1.956 743 619 121 498 53 407 6 1 32 124 117 8 1 6 323 23 867

2.785 1.142 992 14 153 825 75 690 23 1 36 150 138 12 1 8 3 367 32 1.244

3.609 1.341 1.169 32 167 969 89 812 27 2 40 172 158 14 2 9 3 781 36 1.451

C. D. E. F. G.

1.580 751 247 504 1.792

1.133 826 165 661 1.505

648 554 231 323 494

806 590 112 478 939

619 340 133 207 610

754 325 165 160 661

793 280 144 136 767

1.024 339 179 160 864

1.074 587 213 374 1.053

100 20 16 4 67

199 39 21 18 147

263 170 31 139 294

421 231 43 188 446

561 265 48 217 569

666 333 81 252 673

820 990 698 292 822

983 1.182 842 340 969



Miliar Rp

Tabel 1.14 Laporan Laba / Rugi Bank Asing Des

Des

2000 2001

Des

2002 2003

2005

2004

Des Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags


9.864 6.646 5.776 2.101 588 3.086 96 2.907 83 870 14 854 2 2 1.596 1.122 500

14.964 7.582 6.818 1.451 859 4.508 141 4.289 78 764 19 746 5.789 1.431 157

13.556 6.899 6.420 1.579 312 4.529 553 3.802 174 480 9 462 8 8 26 4.581 1.592 458

14.731 6.351 6.074 1.034 231 4.809 985 3.572 253 277 3 258 16 16 66 5.872 1.908 533

15.244 4.315 4.122 664 645 2.814 340 2.288 186 192 2 190 1 1 798 8.506 1.527 99

16.281 4.960 4.698 724 701 3.273 387 2.673 213 262 3 259 1 1 901 8.592 1.726 102

16.481 5.148 4.845 721 766 3.358 447 2.749 162 303 2 300 1 1 955 8.519 1.785 74

18.260 5.966 5.612 818 857 3.937 510 3.247 180 354 3 350 1 1 1.046 9.045 2.038 164

18.679 6.619 6.207 877 936 4.394 573 3.623 197 412 4 406 2 2 1.027 8.555 2.384 94

3.788 720 671 66 101 504 133 367 5 48 47 1 1 136 2.680 239 13

4.584 1.320 1.250 141 236 873 122 707 43 70 1 68 1 1 126 2.646 457 36

6.964 2.025 1.891 243 178 1.470 324 1.126 20 134 1 130 3 2 2 4.098 701 137

8.183 2.836 2.659 313 332 2.014 464 1.521 29 177 2 171 3 3 37 4.299 931 80

7.343 3.911 3.705 429 473 2.804 471 2.000 333 206 2 199 4 4 70 2.093 1.179 90

9.233 4.497 4.248 481 617 3.150 606 2.493 51 249 3 241 5 5 73 3.141 1.417 105

10.934 5.570 5.278 504 763 4.012 643 2.996 373 292 4 284 5 5 65 3.432 1.747 119

14.385 6.244 5.862 555 926 4.382 740 3.572 69 382 4 371 7 7 74 5.973 1.957 137


8.299 3.334 2.929 1 193 2.735 575 1.905 153 102 405 386 8 10 3 6 1 797 26 4.141

14.957 3.957 3.486 457 3.029 532 2.306 151 39 459 436 7 16 3 12 1 12 4.449 60 6.479

11.354 3.356 2.857 1 367 2.490 341 1.947 132 69 482 462 2 19 3 15 1 16 3.262 100 4.620

12.337 2.299 1.998 251 1.746 252 1.362 130 3 284 270 2 13 3 10 17 5.099 179 4.743

12.419 1.395 1.257 133 1.125 164 903 50 5 2 138 129 1 8 1 6 7.538 171 3.315

12.772 1.591 1.435 144 1.291 186 1.038 57 7 3 155 144 2 9 2 7 1 7.404 203 3.574

12.863 1.685 1.513 163 1.350 195 1.081 62 9 3 172 161 1 10 2 8 1 7.449 199 3.530

14.115 1.966 1.777 1 212 1.564 223 1.258 69 10 3 189 175 1 13 2 10 1 7.958 253 3.938

14.332 2.221 2.011 1 271 1.739 248 1.436 40 12 3 207 193 1 13 2 10 1 3 7.068 199 4.841

3.409 216 194 33 161 26 128 4 2 2 22 20 1 1 1 2.630 23 540

3.919 428 388 62 326 55 259 7 3 2 40 37 1 2 2 2.480 50 961

6.035 686 602 102 500 88 396 11 4 1 82 58 1 24 1 3 21 1 3.667 84 1.597

6.883 993 909 202 707 116 573 15 1 2 82 77 1 5 1 4 1 3.676 101 2.112

5.951 1.630 1.520 1 266 1.253 149 778 19 3 306 108 101 1 7 1 5 1 1.530 138 2.652

7.543 1.674 1.535 1 352 1.182 163 948 22 32 17 138 128 1 8 2 6 1 1 2.498 169 3.201

8.945 2.316 1.981 2 321 1.658 162 1.121 28 32 316 333 162 145 26 2 7 17 1 2.503 183 3.942

12.665 2.363 2.089 2 500 1.587 198 1.300 35 35 20 272 197 49 27 3 7 17 1 4.676 204 5.421

C. D. E. F. G.

1.565 2.069 1.335 734 653

7 3.288 1.024 2.264 1.278

2.202 2.630 1.053 1.577 2.485

2.394 1.657 380 1.277 1.677

2.825 1.637 1.013 624 1.975

3.509 1.474 980 494 2.172

3.618 1.481 955 526 2.196

4.145 1.578 940 638 2.444

4.347 1.960 1.253 707 2.462

379 329 145 184 340

665 257 80 177 529

929 339 146 193 625

1.300 462 277 185 901

1.392 530 181 349 1.059

1.690 873 464 409 1.386

1.989 907 527 380 1.492

1.720 1.600 1.234 366 1.294


19


Miliar Rp

Tabel 1.15 Rekening Administratif Bank Umum Des

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

Des Des

2004

Des

2000 2001 2002 2003 Ags

Sep

68.172 6.446 15.763 45.963

43.620 41.317 4.164 4.342 37.097 35.980 2.358 994

34.565 6.466 8.002 20.097

16.294 21.895 4.106 3.336 10.159 17.630 2.028 928

Kewajiban Komitmen 115.039 120.215 112.930 137.921 64.721 70.548 81.076 102.997 Fasilitas kredit kepada nasabah yang belum ditarik 608 1.026 181 148 Fasilitas kredit kepada bank lain yang belum ditarik 24.026 16.752 17.194 17.363 Irrevocable L/C yang masih berjalan 8.304 7.462 9.225 14.657 Posisi penjualan spot yang masih berjalan 17.380 24.427 5.254 2.757 Lainnya

40.796 7.342 32.227 1.227

Okt

2005 Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

49.000 4.242 43.873 885

34.703 3.360 30.485 858

45.499 3.058 41.424 1.017

19.625 2.986 15.592 1.047

27.834 3.875 22.527 1.433

29.446 4.248 24.205 992

24.337 4.593 18.532 1.212

23.739 4.361 18.296 1.083

19.595 4.191 13.985 1.419

27.279 5.481 20.096 1.703

192.160 189.187 180.705 197.753 180.987 191.492 173.066 183.153 184.848 186.053 183.053 191.652 200.470 133.971 130.449 122.392 131.821 126.819 129.129 134.579 137.394 138.014 141.755 144.208 154.604 155.833 208 214 285 280 230 278 276 333 373 379 365 585 487 22.982 20.937 20.889 22.557 23.684 21.836 23.724 24.909 23.550 21.524 21.023 22.064 22.538 34.029 36.301 35.849 42.041 29.588 39.330 13.217 19.415 21.466 20.410 15.768 12.316 18.861 971 1.285 1.290 1.053 666 919 1.270 1.102 1.447 1.985 1.688 2.083 2.749

Tagihan Kontinjensi Garansi yang diterima Pendapatan bunga dalam penyelesaian Lainnya

30.791 6.242 20.941 3.609

23.088 5.226 15.689 2.172

36.262 24.287 24.251 15.779 9.338 7.639 2.674 869

50.949 42.409 7.663 877

49.876 65.455 41.399 43.691 7.587 7.534 889 14.231

56.216 46.621 8.702 893

57.283 48.659 7.705 918

56.462 48.255 7.355 851

57.632 49.052 7.717 863

58.470 49.040 8.222 1.209

59.016 49.060 8.713 1.243

58.349 48.058 8.935 1.355

60.460 50.255 8.767 1.438

62.605 51.845 9.314 1.446

67.326 56.159 9.793 1.374

Kewajiban Kontijensi Garansi yang diberikan Lainnya

25.314 23.058 2.256

31.297 27.443 3.854

38.733 28.291 24.143 27.844 14.590 447

31.631 31.000 631

30.971 31.876 30.341 31.163 629 713

31.444 30.839 605

32.333 31.591 742

33.251 32.423 828

33.803 33.097 706

34.447 33.871 575

33.353 32.664 689

32.923 32.157 767

35.082 34.298 785

35.869 35.048 821

39.091 38.223 868

Lainnya Penerusan Kredit Aktiva produktif yang dihapus bukukan

160.238 185.330 194.826 189.983 38.838 42.603 39.230 36.681 160.200 142.727 155.596 153.302

163.120 162.048 162.504 165.426 152.311 150.577 151.422 150.302 150.660 149.653 166.055 165.036 168.100 36.911 36.534 36.428 36.421 35.592 35.120 35.167 35.284 35.374 34.984 35.237 35.089 35.710 126.209 125.514 126.076 129.005 116.719 115.457 116.255 115.017 115.286 114.670 130.818 129.947 132.390


Miliar Rp

Tabel 1.16 Rekening Administratif Bank Persero Des

Des Des

2004

Des

2000 2001 2002 2003 Ags Tagihan Komitmen Fasilitas pinjaman yang belum ditarik Posisi pembelian spot yang masih berjalan Lainnya

42.718 571 11.124 31.024

3.602 98 3.048 457

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

32.195 13.000 96 14.690 3.436 973

31.192 14.123 195 9.695 3.444 3.735


13.004 886 9.705 2.413

7.997 1.006 6.038 954


12.539 11.705 834

18.003 15.799 2.204


1.433 173 1.092 167

Sep

Okt

2005 Nov

Des

Jan

358 22 162 174

560 5 107 448

405 5 31 369

613 128 107 378

478 5 100 373

544 5 62 477

567 2 48 517

34.887 41.827 19.932 28.262 105 38 10.663 10.884 1.161 164 3.025 2.480

54.654 39.823 89 14.181 107 454

52.817 39.762 99 12.499 31 426

54.492 41.135 167 12.025 404 761

56.745 42.400 167 13.632 101 446

49.389 35.461 116 13.307 63 442

51.744 38.523 164 12.567 66 423

5.771 2.170 3.438 163

6.023 1.972 3.871 180

6.790 2.732 3.862 197

6.528 2.515 3.823 190

6.773 2.621 3.948 204

6.378 2.838 3.339 201

6.785 2.534 4.056 195

12.731 13.102 12.699 13.098 32 5

14.817 14.745 72

14.637 14.554 83

15.930 15.782 148

14.705 14.579 127

15.564 15.476 88

15.759 15.702 57

7.469 894 4.472 2.103

160.223 133.881 128.292 123.187 35.041 38.367 34.810 32.175 160.188 95.514 93.481 91.013

Feb 757 2 162 593

Mar

Apr

Mei

Jun

Jul

Ags

759 128 75 557

808 2 257 549

695 2 162 531

738 0 196 542

703 0 96 607

1.054 110 255 690

54.751 56.706 39.714 41.950 154 204 14.275 13.891 162 65 446 595

53.066 38.816 231 12.854 257 907

52.737 39.226 243 12.288 181 800

51.143 38.669 222 11.376 30 846

59.729 46.088 450 12.348 47 796

58.518 45.419 362 11.696 252 789

7.506 2.614 4.385 508

8.066 2.507 5.045 515

8.375 2.483 5.370 523

8.574 2.543 5.496 535

8.930 2.491 5.901 538

9.523 2.719 6.270 534

16.015 16.129 15.955 16.087 60 43

14.742 14.647 94

14.012 13.931 80

15.996 15.889 107

16.264 16.168 95

18.122 18.037 85

6.996 2.583 4.214 200

114.141 113.425 114.492 114.481 101.869 101.293 102.284 101.044 101.281 100.311 116.207 114.975 117.340 32.452 32.076 31.925 31.903 30.963 30.512 30.528 30.644 30.721 30.333 30.542 30.376 30.980 81.689 81.348 82.567 82.578 70.906 70.781 71.756 70.400 70.559 69.978 85.665 84.599 86.360

21


Miliar Rp

Tabel 1.17 Rekening Administratif BUSN Devisa Des

Des Des

2004

Des


1.755 273 568 914

7.893 220 1.790 5.883

20.704 15.318 509 2.186 562 2.129

30.135 19.867 17 1.979 1.081 7.192


4.608 25 3.765 818

3.782 60 2.951 771

1.622 231 1.155 237


3.035 2.029 1.006

3.241 2.483 758

17.454 2.957 14.497


9.622 2.330 7.292

44.878 2.525 42.353


2.030 47 1.947 36

Sep

2005

Okt

Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

2.341 2.146 195

3.828 3.477 350

5.855 4.000 1.855

4.715 4.198 518

4.138 3.784 353

2.431 2.123 307

3.608 3.280 328

3.489 3.264 225

5.289 0 4.537 752

5.629 0 5.357 272

3.769 190 3.279 300

4.909 0 4.638 270

4.493 0 4.164 330

4.425 0 4.177 248

31.542 40.481 28.321 36.526 72 104 1.946 2.512 1.020 1.209 184 129

57.484 49.891 113 3.744 3.540 196

55.344 48.046 110 3.252 3.283 654

57.834 50.131 112 3.736 3.482 374

58.686 51.096 107 3.254 3.810 419

58.748 52.195 107 4.297 2.069 79

57.022 49.870 108 4.134 2.620 290

59.738 52.551 117 4.036 2.758 277

61.856 52.792 123 4.945 3.933 62

63.623 54.651 138 4.628 4.051 156

66.588 57.094 129 4.109 4.471 784

67.101 58.165 137 4.546 3.688 563

69.285 60.621 121 4.797 3.011 735

72.003 61.859 112 5.838 3.148 1.045

1.452 28 1.019 405

1.694 27 1.227 440

1.594 25 1.135 433

15.081 252 1.047 13.782

1.915 255 1.231 429

1.752 271 1.025 456

1.662 275 987 400

1.717 283 1.035 399

2.012 295 1.289 429

1.860 282 1.132 445

2.285 325 1.412 549

2.059 312 1.127 620

2.148 334 1.145 669

2.195 343 1.253 599

5.445 5.047 397

5.354 4.871 482

5.138 4.650 489

5.031 4.509 522

5.145 4.712 433

5.148 4.633 515

5.158 4.627 531

5.302 4.782 520

5.407 4.990 417

5.572 5.067 505

5.879 5.278 601

6.068 5.445 624

6.136 5.490 646

6.302 5.637 664

59.666 60.588 2.528 2.508 57.138 58.080

42.155 2.558 39.597

41.879 2.560 39.318

41.393 2.601 38.792

44.057 2.601 41.455

43.480 2.712 40.769

42.664 2.689 39.976

42.494 2.716 39.779

42.584 2.726 39.858

42.849 2.754 40.095

42.729 2.771 39.958

43.048 2.791 40.257

43.078 2.750 40.327

43.785 2.765 41.021


Miliar Rp

Tabel 1.18 Rekening Administratif BUSN Non Devisa Des

Des Des


2005

2004

Des Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

184 141 43

154 123 32

110 78 32

63 32 30

91 38 54

76 34 42

86 38 48

80 38 42

61 38 24

69 38 31

71 38 33

63 33 30

67 38 30

63 38 25

61 38 23

54 38 17

56 38 18

1.182 1.105 2 5 69

1.466 1.344 1 2 119

1.582 1.534 2 12 33

1.722 1.678 3 7 34

1.817 1.764 3 16 34

1.779 1.745 3 8 24

1.933 1.885 3 14 32

1.895 1.857 3 13 23

1.964 1.906 3 28 27

1.885 1.827 4 19 35

1.793 1.762 3 29

1.807 1.770 3 34

1.756 1.721 3 33

1.713 1.679 6 28

1.728 1.697 5 26

1.720 1.695 5 20

1.695 1.668 5 22


349 226 123

298 155 144

208 191 17

201 200 2

298 291 7

298 1 293 4

308 303 4

214 211 3

225 222 3

240 238 2

269 260 10

273 269 3

278 271 7

274 267 8

280 272 8

280 270 10

181 169 12


347 111 236

147 112 35

134 105 29

121 103 18

131 115 15

132 114 18

131 113 18

115 106 9

113 105 8

120 107 13

116 98 18

99 89 10

95 84 11

101 92 9

103 96 7

113 105 8

130 120 10


214 50 164

307 49 258

563 45 518

576 42 534

590 42 548

603 42 560

598 42 556

578 42 536

545 42 502

545 42 503

548 42 505

554 42 512

559 42 517

593 42 551

587 42 545

586 42 544

582 42 539


23


Miliar Rp

Tabel 1.19 Rekening Administratif BPD Des

Des Des

2004

Des


Sep

Okt

2005 Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

59 52 6

37 37 1

12 12 -

26 22 3

11 10 1

19 10 9

22 10 12

43 10 32

40 10 30

71 35 36

70 35 35

71 35 36

55 21 33

65 38 27

37 13 24

29 13 17

35 10 25


484 391 1 3 89

518 514 2 1 1

664 660 3 1

940 930 3 4 4

1.019 1.010 3 4 1

1.123 1.106 3 4 9

1.309 1.287 3 6 12

1.317 1.275 3 6 32

1.238 1.197 3 7 1 31

1.264 1.222 3 2 37

1.204 1.163 3 2 36

1.144 1.105 2 0 36

1.285 1.248 1 2 33

1.341 1.303 1 4 32

1.443 1.410 0 2 29

1.449 1.426 2 0 22

1.541 1.490 1 0 50


811 588 223

791 553 238

681 3 426 251

599 2 359 238

586 2 389 195

627 2 425 200

712 2 512 198

1.649 2 1.449 198

1.434 2 1.233 200

576 2 380 193

572 2 377 193

617 2 408 206

592 2 373 216

658 2 440 216

657 2 440 214

620 2 453 165

637 2 470 164


481 306 175

360 348 12

719 708 19

768 751 17

1.073 1.050 23

1.056 1.032 25

1.054 1.046 7

1.006 981 25

1.035 919 115

908 789 119

829 741 88

835 745 90

770 705 65

895 824 71

980 938 43

1.088 1.020 68

1.154 1.101 53

3.719 1.418 2.301

4.160 1.662 2.498

4.194 1.846 2.348

4.283 1.956 2.327

4.330 1.859 2.471

4.346 1.855 2.490

4.275 1.859 2.416

4.419 1.874 2.545

4.613 1.875 2.738

4.592 1.877 2.716

4.577 1.881 2.696

4.542 1.872 2.670

4.380 1.856 2.525

4.315 1.838 2.477

4.513 1.862 2.651

4.467 1.861 2.607

4.453 1.865 2.588



Miliar Rp

Tabel 1.20 Rekening Administratif Bank Campuran Des

Des Des

2004

Des


8.390 5.409 722 2.259

9.255 5.989 1.140 2.127

14.453 7.928 3.542 777 2.206

14.396 7.785 810 2.123 1.307 2.371


4.658 2.629 1.996 32

Kewajiban Kontijensi Garansi yang diberikan Lainnya Lainnya Penerusan Kredit Aktiva produktif yang dihapus bukukan


5.817 3.796 404 1.618

Sep

2005

Okt

Nov

Des

Jan

Feb

Mar

4.289 2.911 1.353 24

5.711 3.679 2.007 25

Apr

Mei

Jun

Jul

Ags

6.631 4.187 2.383 61

7.083 4.325 2.555 203

6.445 4.311 2.073 61

6.430 4.141 1.957 332

8.744 5.323 2.761 660

4.578 3.260 801 517

7.317 3.906 3.059 353

5.834 4.116 1.652 66

5.708 4.166 1.514 28

6.421 4.190 2.219 13

4.216 3.308 899 8

4.108 2.983 1.118 6

11.130 10.538 6.647 7.847 2.276 1.960 472 629 1.736 102

14.612 10.195 2.394 1.759 264

15.251 11.030 2.453 1.613 155

14.450 10.416 2.357 1.577 100

14.945 10.364 2.242 2.277 63

14.801 11.159 2.663 903 76

15.749 11.927 2.771 981 70

16.144 18.139 12.299 13.144 2.635 2.922 1.128 1.968 82 105

19.022 13.527 2.931 2.431 133

19.021 13.838 2.478 2.449 257

19.403 14.651 2.429 2.213 111

19.978 14.924 8 2.471 2.140 437

20.264 14.093 8 2.619 2.737 807

4.645 3.038 1.565 42

20.948 20.062 864 21

7.798 7.062 729 7

13.235 12.894 337 3

12.176 11.840 333 3

14.518 14.185 330 3

15.432 15.117 311 4

16.530 16.228 298 3

17.073 16.787 283 3

17.387 16.815 17.115 16.531 269 281 3 3

17.620 17.345 275 0

17.825 17.544 281 0

16.945 16.669 276 0

17.297 17.076 222 0

18.159 17.896 263 0

2.479 2.478 -

3.125 2.283 841

2.345 2.333 12

3.214 3.204 10

3.806 3.768 38

3.678 3.663 15

3.737 3.719 18

3.716 3.705 11

3.759 3.743 16

4.017 3.909 108

4.075 4.054 21

4.111 4.095 16

4.200 4.187 13

4.178 4.173 5

3.848 3.844 5

4.025 4.021 4

4.291 4.235 56

1.925 1.925

1.970 1.970

1.764 1.764

1.075 1.075

1.331 1.331

1.289 1.289

1.261 1.261

1.246 1.246

1.233 1.233

1.205 1.205

1.218 1.218

1.166 1.166

1.167 1.167

1.219 1.219

1.282 1.282

1.426 59 1.366

1.443 58 1.385

25


Miliar Rp

Tabel 1.21 Rekening Administratif Bank Asing Des

Des Des

2004

Des

2005

2000 2001 2002 2003 Ags

Sep

Okt

Nov

Des

Jan

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

15.040 3.324 11.716

13.623 2.025 11.598

6.891 6.715 175

14.530 14.521 9

28.989 3.384 25.584 21

31.431 31.413 18

30.172 30.161 11

37.841 37.770 71

27.412 27.400 12

37.076 36.977 99


45.949 26.978 3.554 3.503 11.915

42.507 26.915 2.952 1.630 11.009

33.124 23.982 2.296 6.572 275

42.414 27.753 1.997 12.655 9

62.576 31.289 2.643 28.623 21

62.873 28.760 2.721 31.375 18

50.687 17.538 2.752 30.387 11

64.165 24.831 3.410 35.854 71

54.846 24.901 3.382 26.552 12


6.875 2.296 4.579 -

5.574 1.122 4.428 23

5.334 3.061 2.229 44

8.466 6.517 1.894 55

29.114 27.514 1.548 52

28.391 26.799 1.539 53

28.309 26.737 1.518 53

30.233 28.626 1.552 55


6.305 6.300 5

6.422 6.418 4

5.350 5.348 2

5.641 5.641 -

6.450 6.450 -

6.329 6.329 -

5.993 5.993 -

268 268

134 134

348 348

274 274

573 573

508 508

486 486


Feb

Mar

Apr

Mei

Jun

Jul

Ags

10.949 15.940 10.813 15.908 137 33

16.256 16.208 47

12.662 12.536 126

11.551 11.389 162

7.885 7.768 117

12.965 12.904 62

63.828 25.758 2.344 35.662 64

39.435 43.502 27.091 26.633 2.775 3.150 9.169 13.450 400 268

46.096 28.050 3.134 14.728 184

44.653 28.615 2.644 13.310 84

42.235 29.616 2.669 9.837 112

39.490 29.851 2.447 7.119 73

46.448 31.304 2.384 12.725 35

30.964 29.319 1.589 56

30.125 28.657 1.411 57

30.689 31.248 29.069 29.598 1.562 1.590 58 59

30.600 28.924 1.617 59

28.931 27.706 1.166 60

31.945 30.728 1.155 62

33.330 31.942 1.325 63

36.632 35.199 1.368 65

6.757 6.757 -

6.714 6.714 -

7.290 7.290 -

7.466 7.466 -

7.866 7.866 -

7.973 7.973 -

7.858 7.858 -

8.087 8.087 -

8.243 8.243 -

9.092 9.092 -

645 645

571 571

277 277

300 300

412 412

424 424

486 486

418 418

504 504

497 497


Miliar Rp

Tabel 1.22 Kinerja Bank Umum Indikator CAR (%) - Modal - ATMR KAP APYD terhadap Aktiva Produktif (%) - APYD - Total Aktiva Produktif PPAPYD terhadap PPAPWD (%) - PPAPYD - PPAPWD

Des

Des

Des

2004

Des

2005

2000 2001 2002 2003

Ags

Sep

Okt

Nov

12,46 47.805 383.772

20,72 128.451 619.905

20,78 130.454 627.914

20,44 130.116 636.542

19,77 128.709 650.978

19,93 83.675 419.752

22,44 103.602 461.757

19,43 112.395 578.386

Des 19,42 130.168 670.140

Jan 22,35 149.828 670.384

Feb

Mar

Apr

Mei

Jun

Jul

Ags

22,09 150.560 681.646

21,75 152.593 701.628

21,21 151.284 713.317

20,03 146.340 730.457

19,51 144.496 740.500

18,45 148.419 763.152

18,94 149.568 789.782

5,63 4,61 3,61 3,59 3,55 3,49 3,48 3,52 3,05 3,06 3,16 3,13 3,14 3,83 4,19 4,47 4,78 56.720 48.336 38.099 38.916 40.018 39.363 39.780 40.266 36.065 36.122 37.579 37.396 38.635 47.236 52.505 56.818 62.451 1.007.202 1.048.081 1.055.145 1.084.947 1.127.082 1.126.902 1.144.246 1.144.854 1.182.899 1.178.746 1.188.569 1.193.377 1.231.486 1.234.372 1.254.164 1.270.660 1.305.363 190,17 163,39 175,21 167,58 170,97 172,32 172,92 172,07 175,54 179,89 180,10 165,38 166,27 146,75 146,93 139,11 133,76 67.609 53.832 43.195 43.744 45.129 43.672 43.529 43.605 39.944 40.923 42.516 39.838 41.815 42.453 47.092 46.073 47.219 35.551 32.946 24.653 26.103 26.395 25.344 25.173 25.341 22.754 22.749 23.607 24.089 25.148 28.928 32.051 33.120 35.300

Rentabilitas ROA (%) - Laba - Aktiva Rata-rata BOPO (%) - Biaya Operasional - Pendapatan Operasional

1,56 1,45 1,96 2,63 2,80 2,96 2,91 3,03 3,46 3,42 3,35 3,41 3,52 3,33 2,20 2,25 2,18 15.091 15.712 20.882 29.529 32.405 34.459 34.047 35.678 40.956 40.858 40.301 41.416 43.236 41.324 27.570 28.312 27.836 966.010 1.084.226 1.065.824 1.122.641 1.158.345 1.165.542 1.170.649 1.176.620 1.185.278 1.194.456 1.203.500 1.213.723 1.228.526 1.241.358 1.253.823 1.261.101 1.278.064 98,12 98,41 94,76 88,10 85,93 83,61 84,82 80,78 76,64 75,20 81,35 81,19 81,22 81,16 88,79 94,97 88,84 152.219 146.351 150.498 127.865 97.461 94.088 95.907 84.998 122.396 121.386 120.030 121.002 121.610 119.065 133.760 133.110 142.589 155.129 148.715 158.820 145.137 113.416 112.532 113.072 105.228 159.697 161.407 147.543 149.033 149.728 146.695 150.641 140.161 160.495

Likuiditas Ratio Kewajiban Bersih Antar Bank (%) - KBAB - Modal Inti LDR (%) - Kredit - Dana yang diterima

-73,16 -26.504 36.226 33,41 283.097 847.335

-80,81 -55.770 69.014 33,01 316.059 957.417

-51,67 -50,55 -27,05 -26,60 -26,17 -26,01 -13,40 -12,44 -8,81 -3,86 -10,54 -6,71 -11,25 -20,03 -29,12 -43.203 -44.196 -27.192 -27.576 -26.999 -26.705 -14.104 -15.316 -10.915 -4.849 -13.094 -8.019 -13.207 -24.112 -35.238 83.609 87.423 100.538 103.674 103.152 102.692 105.248 123.139 123.821 125.621 124.246 119.549 117.438 120.376 121.007 38,24 43,52 47,87 48,13 49,13 49,49 49,95 49,50 50,52 51,22 51,31 52,90 53,08 53,85 54,48 371.058 440.505 510.621 518.527 530.835 536.944 559.470 555.596 566.650 582.510 594.304 615.800 628.905 642.525 666.511 970.371 1.012.278 1.066.734 1.077.329 1.080.426 1.084.861 1.120.102 1.122.528 1.121.572 1.137.349 1.158.299 1.164.092 1.184.863 1.193.246 1.223.307

27


Miliar Rp

Tabel 1.23 Kinerja Bank Persero Indikator

Des

Des

Des

2004

Des

2000 2001 2002 2003

2005

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

CAR (%) - Modal - ATMR

5,13 8.561 167.008

19,39 34.434 177.598

21,71 42.119 194.051

18,21 48.237 264.833

22,22 56.240 253.121

22,09 56.755 256.936

21,96 57.098 260.041

21,02 56.863 270.549

20,71 56.798 274.294

23,76 65.337 275.010

23,39 65.111 278.356

22,99 66.160 287.734

23,21 66.797 287.852

20,58 59.574 289.526

19,83 57.692 290.922

20,09 59.668 296.948

19,89 60.402 303.743

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

4,14 20.602 498.535 341,82 37.194 10.881

3,49 17.636 505.960 260,41 26.006 9.987

3,16 15.586 493.486 264,13 21.915 8.297

4,13 19.643 475.455 182,28 21.751 11.932

4,55 21.611 474.775 195,87 26.448 13.503

4,51 21.313 472.196 195,39 25.254 12.925

4,51 21.648 480.263 194,53 25.281 12.996

4,59 21.986 478.759 194,12 25.628 13.202

3,88 19.163 494.112 208,22 23.548 11.310

3,90 19.240 493.510 212,30 24.475 11.529

4,04 20.017 495.478 215,21 25.576 11.884

4,10 20.249 493.605 190,19 23.215 12.206

4,26 21.413 503.249 194,14 25.010 12.883

5,86 29.284 499.364 154,87 25.422 16.415

6,76 34.730 513.407 155,58 29.897 19.205

7,36 37.971 516.140 143,46 28.447 19.830

8,33 43.331 520.275 136,55 29.538 21.632


1,47 7.356 500.590 106,60 93.245 87.468

0,99 5.266 532.177 104,07 72.733 69.888

2,00 10.143 507.737 98,43 75.155 76.352

2,67 13.668 511.166 92,07 56.592 61.469

2,50 12.450 498.149 102,20 30.151 29.501

2,82 14.036 496.889 95,96 28.980 30.201

2,62 12.975 494.303 101,67 29.751 29.262

2,73 13.521 494.510 91,37 17.889 19.579

3,46 17.113 494.992 75,73 56.252 74.278

3,31 16.424 496.081 72,97 54.102 74.141

3,33 16.557 497.301 85,79 52.806 61.550

3,43 17.131 499.481 86,10 52.844 61.372

3,71 18.615 502.331 86,24 53.442 61.967

3,27 16.503 504.439 87,30 53.255 61.000

0,50 2.540 507.049 104,58 66.192 63.296

0,69 3.504 510.691 123,90 63.558 51.296

0,74 3.820 514.335 100,84 70.222 69.640


479,85 21.911 4.566 26,40 107.695 407.984

40,47 9.878 24.407 26,56 121.496 457.490

55,70 17.054 30.617 34,46 150.632 437.149

18,00 6.124 34.033 41,59 177.137 425.932

21,92 8.713 39.754 47,61 204.141 428.764

16,06 6.486 40.377 47,73 205.910 431.428

12,76 5.174 40.551 48,66 210.640 432.915

18,58 7.549 40.637 49,20 213.273 433.465

35,26 14.734 41.786 49,90 222.855 446.564

23,38 11.530 49.312 49,27 219.663 445.793

28,50 13.988 49.074 50,62 224.061 442.610

37,07 18.584 50.126 51,28 229.003 446.532

29,08 14.731 50.661 51,61 232.515 450.544

46,66 20.317 43.543 53,78 237.331 441.286

17,97 7.466 41.545 52,71 241.680 458.532

8,71 3.756 43.138 52,94 242.734 458.488

6,38 2.793 43.751 53,53 248.357 463.958


Miliar Rp

Tabel 1.24 Kinerja BUSN Devisa Indikator

Des

Des

Des

2004

Des

2000 2001 2002 2003

2005

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags


19,45 19.905 102.361

21,69 26.125 120.453

24,67 37.030 150.128

20,26 37.487 185.018

19,66 43.030 218.903

19,54 43.736 223.884

19,17 43.824 228.617

18,34 42.771 233.180

18,08 44.040 243.559

21,08 51.084 242.295

20,70 51.660 249.615

20,25 51.717 255.360

19,60 51.777 264.144

18,83 51.575 273.867

18,46 51.796 280.522

18,41 51.945 282.089

17,66 51.724 292.905


4,03 12.862 318.807 152,61 10.905 7.146

3,40 11.297 332.667 142,98 10.500 7.344

2,58 9.211 357.024 152,56 9.381 6.149

2,34 9.245 395.646 200,86 12.368 6.158

2,14 8.898 415.495 171,51 10.609 6.186

2,15 9.044 420.485 175,42 10.485 5.977

2,21 9.324 422.131 179,32 10.520 5.866

2,19 9.309 425.881 178,29 10.393 5.829

1,88 8.268 440.714 173,05 9.196 5.314

1,91 8.343 436.711 179,23 9.292 5.184

1,95 8.525 437.555 176,17 9.367 5.317

1,91 8.383 439.151 165,06 8.987 5.445

1,93 8.736 452.773 157,17 9.210 5.860

2,05 9.332 455.826 156,36 9.494 6.072

2,05 9.551 466.181 146,95 9.693 6.596

2,18 10.107 464.210 144,80 9.690 6.692

2,20 10.482 476.340 137,04 9.655 7.045


0,77 2.364 306.257 90,30 41.135 45.552

1,23 4.450 363.079 95,59 46.551 48.699

0,98 3.534 360.109 97,00 50.292 51.846

2,16 8.680 400.994 86,62 44.869 51.797

2,63 11.430 434.869 80,63 39.268 48.704

2,71 11.920 440.317 80,15 39.021 48.684

2,71 12.078 445.341 80,19 39.153 48.828

2,81 12.639 449.991 79,51 38.945 48.982

3,09 14.079 454.951 78,25 38.243 48.873

3,16 14.527 459.537 77,39 38.206 49.366

3,14 14.584 464.366 78,36 38.800 49.514

3,21 15.007 468.057 77,55 38.607 49.786

3,16 15.059 476.174 77,83 39.378 50.597

3,12 15.048 481.756 78,21 40.051 51.207

3,13 15.259 486.831 78,69 40.651 51.662

3,17 15.297 481.941 78,80 40.482 51.371

3,09 15.080 488.078 79,91 41.866 52.394


-187,97 -27.747 14.762 26,80 77.063 287.523

-96,68 -20.559 21.266 29,33 95.580 325.895

-70,93 -21.935 30.927 34,92 125.901 360.529

-76,61 -22.840 29.814 40,41 159.959 395.838

-35,77 -12.428 34.745 44,07 185.921 421.859

-32,01 -11.677 36.485 44,68 191.492 428.629

-33,62 -12.280 36.529 45,74 196.454 429.460

-32,24 -11.616 36.034 45,96 199.640 434.362

-25,92 -9.621 37.116 46,23 209.176 452.491

-23,39 -10.158 43.434 46,17 207.617 449.712

-14,15 -6.221 43.979 47,48 212.609 447.801

-4,15 -1.819 43.829 48,90 219.980 449.881

-7,48 -3.284 43.933 49,67 227.547 458.132

-12,37 -5.447 44.038 50,76 236.531 465.995

-9,75 -4.297 44.089 51,39 241.367 472.574

-18,34 -8.095 44.146 51,80 241.901 466.998

-23,33 -10.189 43.674 52,97 252.605 476.883

29


Miliar Rp

Tabel 1.25 Kinerja BUSN Non Devisa Indikator

Des

Des

Des

2004

Des

2000 2001 2002 2003

2005

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags


20,39 2.628 12.889

20,57 2.408 11.706

16,94 2.348 13.864

14,99 2.753 18.369

17,99 3.141 17.460

17,94 3.156 17.590

17,53 3.194 18.225

16,48 2.710 16.442

16,30 2.728 16.732

17,91 3.044 16.997

15,71 2.548 16.213

15,92 2.574 16.170

15,83 2.566 16.212

15,85 2.598 16.393

14,20 1.928 13.573

13,62 1.882 13.817

15,28 2.146 14.047


3,62 461 12.752 139,30 406 292

2,61 411 15.720 148,63 381 256

2,89 536 18.569 125,16 398 318

2,65 585 22.040 109,68 878 801

2,96 609 20.536 162,10 554 342

2,97 622 20.944 155,04 633 408

2,95 621 21.023 157,96 575 364

3,28 636 19.405 159,92 567 355

3,28 648 19.735 137,19 512 373

3,54 679 19.180 136,30 525 385

5,72 1.076 18.808 118,41 849 717

5,08 972 19.140 122,77 817 666

4,93 984 19.975 119,05 819 688

4,81 951 19.773 121,03 798 659

5,32 885 16.628 122,34 688 562

5,71 972 17.031 119,24 733 615

4,29 731 17.037 139,37 427 306


1,77 311 17.558 90,60 2.547 2.811

1,97 329 16.674 91,65 2.772 3.024

2,17 421 19.357 90,27 3.369 3.732

0,95 221 23.203 95,33 3.856 4.044

2,92 669 22.932 82,63 3.002 3.633

2,51 580 23.105 85,08 3.063 3.600

2,73 636 23.263 83,38 2.989 3.585

2,76 592 21.471 83,43 2.791 3.345

2,79 603 21.658 83,94 2.803 3.340

2,65 576 21.784 84,49 2.807 3.322

0,96 202 21.011 95,33 3.018 3.166

2,50 529 21.180 85,47 2.698 3.157

2,85 613 21.465 83,05 2.618 3.153

2,81 609 21.682 83,90 2.655 3.165

2,00 366 18.321 88,29 2.087 2.363

1,56 288 18.465 91,90 2.176 2.368

1,64 304 18.607 90,57 2.194 2.423

Likuiditas Ratio Kewajiban Bersih Antar Bank (%) - KBAB - Modal Inti LDR (%) - Kredit * - Dana yang diterima

-55,34 -1.241 2.242 51,16 10.596 20.711

-14,44 -309 2.138 59,45 9.748 16.395

-20,86 -425 2.037 59,39 11.574 19.487

-16,47 -364 2.209 62,74 14.526 23.151

-34,58 -970 2.803 66,57 15.078 22.651

-34,04 -954 2.804 66,96 15.396 22.993

-38,11 -1.086 2.851 67,35 15.510 23.030

-39,68 -969 2.443 70,66 14.964 21.177

-31,07 -766 2.465 68,74 15.101 21.970

-29,32 -815 2.781 69,95 15.201 21.733

-39,93 -914 2.290 71,91 14.956 20.799

-39,48 -915 2.318 71,30 15.118 21.204

-40,75 -942 2.312 70,37 15.381 21.857

-37,21 -881 2.368 71,07 15.610 21.965

-41,96 -716 1.707 70,87 15.907 18.462

-57,40 -952 1.659 70,53 13.269 18.814

-53,20 -1.023 1.923 70,70 13.298 18.810

ket : * data hasil koreksi pada bulan Okt 2004


Miliar Rp

Tabel 1.26 Kinerja BPD Indikator

Des

Des

Des

2004

Des

2000 2001 2002 2003

2005

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags


16,50 2.111 12.796

15,93 3.289 20.644

18,48 4.864 26.326

19,10 5.951 31.158

18,98 7.168 37.775

19,09 7.375 38.640

18,89 7.496 39.677

18,95 7.603 40.120

19,14 7.815 40.831

23,80 9.632 40.475

24,00 9.873 41.131

23,05 9.748 42.285

22,87 9.478 41.447

19,44 8.171 42.035

19,18 8.242 42.966

18,93 8.601 45.437

18,70 8.703 46.538


4,19 910 21.736 117,84 634 538

1,36 546 40.223 122,12 747 612

1,07 545 50.853 122,79 889 724

0,96 527 54.957 118,87 879 740

1,29 796 61.799 118,30 1.031 871

1,32 796 60.248 117,85 1.040 882

1,39 849 60.946 117,90 1.076 912

1,45 888 61.161 116,23 1.105 950

0,98 647 66.255 113,03 943 835

1,34 870 64.946 118,27 1.001 846

1,36 909 66.877 118,48 1.043 880

1,38 915 66.119 117,03 1.066 911

1,34 892 66.570 119,44 1.061 889

1,42 957 67.515 118,22 1.109 938

1,29 940 72.699 117,18 1.114 951

1,40 1.063 75.929 118,84 1.241 1.044

1,40 1.137 80.972 116,36 1.318 1.133


1,91 522 27.331 88,90 2.913 3.277

4,10 1.618 39.468 78,80 4.697 5.961

3,83 2.051 53.488 77,67 6.679 8.599

3,05 1.976 64.791 80,39 7.339 9.128

3,99 2.660 66.677 73,94 7.127 9.638

4,01 2.685 66.918 73,69 7.091 9.624

4,10 2.744 67.006 73,96 7.145 9.660

4,07 2.747 67.571 73,49 7.161 9.745

3,99 2.726 68.396 73,85 7.240 9.803

4,07 2.830 69.584 73,20 7.275 9.938

3,94 2.790 70.814 73,63 7.323 9.946

3,97 2.864 72.086 73,42 7.389 10.063

3,90 2.776 71.161 73,89 7.324 9.912

3,81 2.760 72.454 74,24 7.484 10.080

3,79 2.802 73.947 74,01 7.556 10.209

3,68 2.878 78.140 74,54 7.954 10.671

3,52 2.819 80.133 75,67 8.198 10.835


-405,14 -7.462 1.842 44,92 10.085 22.452

-602,66 -16.993 2.820 37,43 15.396 41.133

-444,80 -18.379 4.132 42,04 21.498 51.135

-224,96 -12.073 5.367 48,22 28.348 58.474

-99,13 -6.413 6.469 53,91 35.148 65.196

-113,16 -7.533 6.657 54,61 35.944 65.824

-92,69 -6.290 6.786 57,12 36.917 64.635

-106,55 -7.312 6.862 57,02 37.223 65.284

-162,66 -11.491 7.065 53,39 37.232 69.733

-96,26 -8.548 8.880 51,63 37.440 72.522

-98,92 -9.001 9.099 51,29 38.049 74.182

-112,08 -10.108 9.018 51,12 38.966 76.222

-110,56 -9.738 8.808 51,35 38.277 74.535

-125,44 -9.408 7.501 52,96 39.247 74.101

-121,37 -9.246 7.618 49,98 42.012 80.742

-129,94 -10.191 7.843 50,14 42.708 85.173

-146,35 -11.601 7.927 48,53 43.561 89.766

31


Miliar Rp

Tabel 1.27 Kinerja Bank Campuran Indikator

Des

Des

Des

2004

Des

2000 2001 2002 2003

2005

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags


16,58 5.850 35.293

23,71 7.543 31.810

31,40 7.950 25.322

32,65 8.837 27.066

29,01 9.370 32.303

29,48 9.390 31.849

29,52 9.443 31.988

29,26 9.467 32.351

28,35 9.453 33.349

29,56 10.054 34.018

31,43 10.994 34.982

29,56 11.025 37.294

29,71 11.034 37.134

29,90 11.215 37.507

27,10 10.376 38.294

23,67 11.013 46.536

22,85 11.120 48.665


16,86 9.462 56.113 110,88 7.172 6.468

14,46 7.223 49.941 111,23 5.225 4.698

12,28 5.597 45.586 113,73 4.116 3.619

9,35 4.108 43.950 109,77 3.070 2.796

7,49 3.830 51.151 116,34 2.628 2.259

6,86 3.565 51.946 118,71 2.477 2.086

6,57 3.495 53.213 117,27 2.390 2.038

6,28 3.406 54.270 117,11 2.356 2.012

6,01 3.285 54.647 111,10 2.140 1.926

5,56 3.125 56.156 113,48 2.082 1.835

5,31 3.053 57.441 118,48 2.116 1.838

4,61 2.689 58.303 119,43 2.100 1.758

4,25 2.557 60.181 122,28 2.031 1.661

4,19 2.511 59.871 120,88 2.032 1.681

4,11 2.496 60.764 123,60 2.024 1.638

3,87 2.668 68.960 124,91 2.180 1.745

3,63 2.614 72.088 122,03 2.266 1.857


5,41 2.258 41.741 72,08 4.448 6.171

4,42 1.789 40.442 81,75 5.066 6.197

2,42 954 39.481 86,64 4.111 4.745

3,36 1.311 38.993 79,15 3.142 3.970

2,32 995 42.963 85,84 3.435 4.001

2,16 943 43.638 85,40 3.429 4.015

2,49 1.102 44.255 80,23 3.270 4.076

2,75 1.239 45.075 77,48 3.256 4.203

3,00 1.375 45.887 76,95 3.343 4.344

3,23 1.505 46.630 73,90 3.290 4.451

3,19 1.515 47.488 74,42 3.305 4.441

3,17 1.533 48.378 76,45 3.516 4.599

3,65 1.805 49.388 72,46 3.459 4.774

3,65 1.825 50.070 70,49 3.324 4.715

3,67 1.865 50.841 70,44 3.473 4.930

3,40 1.782 52.462 76,22 4.245 5.569

3,50 1.901 54.343 77,34 4.792 6.195


166,68 8.196 4.917 84,66 30.272 35.757

40,12 2.602 6.485 80,98 29.162 36.010

51,75 3.580 6.918 75,76 25.111 33.145

50,88 3.809 7.486 74,10 24.975 33.706

61,58 4.914 7.980 72,93 28.785 39.469

59,70 4.778 8.003 70,11 28.464 40.601

63,96 5.150 8.052 70,96 29.169 41.106

56,08 4.541 8.097 70,79 29.649 41.884

93,32 7.646 8.194 75,56 30.914 40.914

79,79 6.996 8.768 74,36 30.777 41.390

67,98 6.602 9.712 72,80 31.385 43.112

74,06 7.174 9.688 72,29 32.389 44.806

81,97 7.928 9.672 74,14 33.283 44.892

74,27 7.227 9.730 75,24 33.796 44.916

90,41 8.022 8.873 75,91 34.636 45.629

72,67 6.677 9.189 79,43 42.064 52.957

44,06 4.067 9.232 79,48 44.953 56.562


Miliar Rp

Tabel 1.28 Kinerja Bank Asing Indikator

Des

Des

Des

2004

Des

2000 2001 2002 2003

2005

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags


16,38 8.749 53.425

17,16 9.876 57.541

18,19 9.473 52.066

17,58 9.130 51.941

15,75 9.502 60.343

17,02 10.042 59.015

16,82 8.081 48.039

17,38 9.933 57.165

16,51 9.938 60.210

17,34 10.677 61.590

16,91 10.374 61.348

18,11 11.368 62.785

14,48 9.633 66.528

18,57 13.207 71.127

19,35 13.749 71.062

19,42 14.591 75.143

19,42 14.591 75.143


12,52 12.423 99.259 110,48 11.298 10.226

10,84 11.223 103.570 109,18 10.973 10.050

7,39 6.623 89.627 117,11 6.494 5.545

5,19 4.809 92.635 130,51 4.798 3.676

4,14 4.274 103.326 119,32 3.860 3.235

3,98 4.024 101.084 123,47 3.784 3.065

3,83 3.656 95.406 123,93 3.513 2.835

3,90 4.011 102.952 118,64 3.505 2.954

3,79 3.978 104.885 120,37 3.549 2.949

3,57 3.867 108.243 119,47 3.548 2.969

3,56 4.000 112.411 119,99 3.565 2.971

3,58 4.188 117.061 117,71 3.653 3.103

3,15 4.052 128.738 116,25 3.683 3.168

3,18 4.202 132.024 113,78 3.598 3.162

3,15 3.819 121.048 119,68 3.599 3.007

3,17 3.957 124.869 118,74 3.586 3.104

3,02 4.075 135.138 118,74 3.586 3.104


3,14 2.280 72.533 80,52 7.931 9.850

2,45 2.261 92.386 97,24 14.532 14.945

4,41 3.780 85.651 80,40 10.892 13.547

4,40 3.674 83.494 81,94 12.067 14.728

4,53 4.201 92.754 80,71 14.479 17.941

4,54 4.295 94.675 76,20 12.504 16.409

4,94 4.286 86.830 77,08 12.923 16.767

5,16 4.920 95.448 76,84 14.585 18.981

5,22 5.054 96.816 75,71 14.139 18.675

4,95 4.995 100.840 77,79 15.706 20.189

4,54 4.653 102.519 78,08 14.778 18.927

4,16 4.353 104.540 79,52 15.949 20.055

4,05 4.369 108.007 79,62 15.387 19.325

4,13 4.579 110.958 74,40 12.297 16.528

3,97 4.496 113.243 76,03 13.211 17.376

3,74 4.332 115.748 77,94 14.091 18.079

3,74 4.332 115.748 77,94 14.091 18.079

Likuiditas Ratio Kewajiban Bersih Antar Bank (%) - KBAB - Modal Inti LDR (%) - Kredit * - Dana yang diterima

-255,32 -20.161 7.897 64,28 46.867 72.908

-255,42 -30.389 11.897 55,50 44.677 80.493

-257,28 -23.099 8.978 52,73 36.341 68.925

-221,45 -18.852 8.513 47,28 35.545 75.177

-239,11 -21.009 8.786 46,79 41.547 88.796

-199,77 -18.676 9.349 47,04 41.322 87.853

-233,44 -17.482 7.489 52,85 42.145 79.746

-198,53 -18.405 9.271 48,74 42.194 86.572

-151,78 -14.024 9.240 51,25 44.193 86.236

-143,73 -14.322 9.964 49,13 44.898 91.379

-158,96 -15.368 9.668 48,99 45.590 93.069

-166,93 -17.765 10.642 47,67 47.054 98.704

-245,94 -21.788 8.859 43,66 47.303 108.339

-160,29 -19.825 12.368 46,00 53.285 115.829

-110,58 -14.286 12.919 50,88 53.460 105.067

-110,44 -15.142 13.710 53,32 57.008 106.907

-110,44 -15.142 13.710 53,32 57.008 106.907


33


Persen

Tabel 1.29 Rasio Kinerja Lainnya Indikator

Des

Des

2004

Des

2001 2002 2003

Ags

Sep

Okt

2005 Nov

Des*

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Net Interest Margin Bank Persero

3,35

3,80

4,53

5,97

5,97

6,19

6,11

6,23

6,11

5,99

6,11

6,14

5,99

6,02

5,92

5,85

BUSN Devisa

3,21

3,95

4,60

5,42

5,38

5,37

5,36

5,35

5,28

5,19

5,34

5,37

5,37

5,36

5,23

5,23

BUSN Non Devisa

5,33

5,89

7,40

9,33

9,01

6,27

8,50

8,52

8,07

7,93

8,11

8,00

7,99

5,60

5,66

5,73

Bank BPD

7,97

9,45

8,42

10,62

10,58

10,59

10,53

10,45

10,64

9,59

9,74

9,37

9,40

9,38

9,74

9,63

Bank Campuran

4,14

4,09

3,54

3,38

3,39

2,81

3,42

3,46

3,57

3,49

3,60

3,62

3,65

3,68

4,23

4,26

Bank Asing

4,18

3,74

4,60

4,41

4,51

4,19

4,39

4,40

5,59

4,85

4,76

4,74

4,57

4,71

4,62

4,75

Bank Umum

3,60

4,14

4,64

5,81

5,79

5,81

5,83

5,88

5,92

5,70

5,81

5,81

5,73

5,75

5,70

5,68

ket : * data hasil koreksi


Miliar Rp

Tabel 1.30 Perkembangan Aset Bank Umum Kelompok Bank

2004

2005

Des

Des

Des

Des

2000

2001

2002

2003

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Bank Persero

525.236

533.435

516.557

556.125

489.657

495.636

495.062

504.080

518.975

510.346

509.322

515.737

522.493

518.958

531.944

530.978

533.097

BUSN Devisa

347.662

365.932

393.938

436.214

463.135

469.307

472.329

477.438

494.174

487.114

487.561

492.303

503.253

511.859

517.961

514.601

526.471

BUSN Non Devisa

14.654

17.971

20.963

25.494

24.060

24.411

24.601

22.568

23.307

22.735

21.797

21.917

22.606

22.668

23.198

23.594

23.753

BPD

26.155

47.117

58.178

66.418

71.352

71.799

70.929

68.738

78.487

77.379

78.902

80.290

77.980

78.246

87.705

89.581

95.264

Bank Campuran

43.836

42.738

39.347

39.292

46.500

47.377

48.263

49.649

50.026

50.849

52.168

53.406

54.653

54.951

56.439

65.819

69.169

Bank Asing

82.312

92.506

83.221

89.975

104.501

104.564

107.171

105.630

107.112

109.971

112.878

116.914

131.768

138.060

127.352

128.619

141.134

1.228.104 1.272.081 1.258.393 1.262.629 1.280.567 1.312.752 1.324.741 1.344.599 1.353.193

1.388.888

Total

1.039.855 1.099.699 1.112.204 1.213.518 1.199.206 1.213.095 1.218.354

35


Tabel 1.31 Bank Umum Berdasarkan Total Aset Kelompok Bank

Desember 2000

Desember 2001

Desember 2002

Desember 2003

Agustus 2004

Agustus 2005

Desember 2004

< Rp. 1 Rp. 1 s.d. Rp. 10 s.d > Rp. 50 < Rp. 1 Rp. 1 s.d. Rp. 10 s.d > Rp. 50 < Rp. 1 Rp. 1 s.d. Rp. 10 s.d > Rp. 50 < Rp. 1 Rp. 1 s.d. Rp. 10 s.d > Rp. 50 < Rp. 1 Rp. 1 s.d. Rp. 10 s.d > Rp. 50 < 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 Triliun 10 Triliun 50 Triliun Triliun Triliun 10 Triliun 50 Triliun Triliun Triliun 10 Triliun 50 Triliun Triliun Triliun 10 Triliun 50 Triliun Triliun Triliun 10 Triliun 50 Triliun Triliun (Jumlah Bank)

Bank Persero BUSN Devisa BUSN Non Devisa BPD Bank Campuran Bank Asing

0 14 39 19 11 0

0 15 4 7 18 6

2 7 0 0 0 4

3 2 0 0 0 0

0 11 37 13 11 1

0 16 5 13 13 4

2 9 0 0 0 5

3 2 0 0 0 0

0 10 33 11 11 2

1 15 7 15 13 4

1 10 0 0 0 4

3 1 0 0 0 0

0 8 31 10 7 3

1 17 9 15 13 3

1 9 0 1 0 5

3 2 0 0 0 0

0 10 32 8 6 3

1 13 7 17 13 3

1 10 0 1 0 5

3 2 0 0 0 0

0 10 31 5 5 2

1 13 7 20 14 4

1 10 0 1 0 5

3 2 0 0 0 0

0 8 30 5 4 2

1 12 7 19 15 3

1 11 0 2 0 6

3 2 0 0 0 0

Total

83

50

13

5

73

51

16

5

67

55

15

4

59

58

16

5

59

54

17

5

53

59

17

5

49

57

20

5


Miliar Rp

Tabel 1.32 Peringkat Bank Umum Berdasarkan Aset Desember 2000 Peringkat

Nama Bank

Desember 2001

Pangsa thd Total Total Aset Aset Bank Umum (%)

Nama Bank

Desember 2002


Nama Bank

Desember 2003


Nama Bank

Agustus 2004


Nama Bank

Desember 2004


Nama Bank

Agustus 2005


Pangsa thd

Nama Bank

Total Total Aset Aset Bank Umum (%)

1

PT Bank Mandiri

281.311

27,05 PT Bank Mandiri

264.838


252.669


293.205

24,16 PT Bank Mandiri Tbk

226.813


241.462


243.928

17,56

2

PT Bank Negara Indonesia Tbk

135.739

13,05 PT Bank Negara Indonesia Tbk

148.988


126.059

11,33 PT Bank Central Asia Tbk

132.797


142.340


149.828


149.813

10,79

3

PT Bank Central Asia Tbk

95.367


102.218


116.943


131.890


126.845


136.303


145.082

10,45

4

PT Bank Rakyat Indonesia

70.926

6,82 PT Bank Rakyat Indonesia

81.774


104.126


99.216


103.895


107.018


109.988

7,92

5

PT Bank Danamon Indonesia Tbk

60.357

5,80 PT Bank Danamon Indonesia Tbk

52.540


47.431


52.752


52.863


58.371


64.287

4,63

6

PT Bank Internasional Indonesia Tbk

36.844

3,54 PT Bank Internasional Indonesia Tbk 33.431






3,14

7

Citibank N.A

24.462

2,35 PT Bank Tabungan Negara

2,42 PT Bank Permata Tbk



30.736


31.700

2,49 PT Bank Niaga

36.831

2,65

8

PT Bank Tabungan Negara

24.378

2,34 Citibank N.A

25.879


27.373


26.866

2,21 PT Lippo Bank Tbk

27.389

2,28 PT Bank Niaga

30.824


33.081

2,38

9

PT Lippo Bank Tbk

22.148


24.032

2,19 Citibank N.A

24.653


26.418

2,18 PT Bank Niaga2

6.769


27.826

2,19 PT Pan Indonesia Bank Tbk

33.037

2,38

10

PT Bank Niaga. Tbk

18.609

1,79 PT Bank Niaga. Tbk

22.997


24.466

2,20 Citibank N.A

23.746


26.678


26.760

2,10 Citibank N.A

30.288

2.18

Total

770.141

74,06 Total

783.290

71,23 Total

789.154

70,95 Total

850.570

70,09 Total

6,66 Total

845.879

66,50 Total

889.920

64,07

26.593

29.259

29.082

799.4036

37


Miliar Rp

Tabel 1.33 Aktiva Produktif Bank Umum Des

Des

Des

2000 2001 2002 2003 Aktiva Produktif (Earning Asset) 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

2004

Des Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

1.007.202 1.048.081 1.055.145 1.084.947 1.127.082 1.126.902 1.144.246 1.144.854 1.182.899 1.178.746 1.188.569 1.193.377 1.231.486 1.234.372 1.254.164 1.270.660 1.305.363 902.214 955.955 974.963 1.000.444 1.041.671 1.040.889 1.056.227 1.055.735 1.099.158 1.093.676 1.099.310 1.106.562 1.141.982 1.130.565 1.141.733 1.154.902 1.183.321 43.541 47.292 46.503 48.850 49.941 51.546 54.115 54.374 53.305 54.737 59.210 58.489 60.171 61.126 63.060 61.397 61.451 22.911 12.266 10.896 15.178 13.040 13.441 12.709 13.457 13.203 13.820 12.606 8.484 9.071 17.101 20.752 20.159 20.826 14.439 8.881 8.234 5.442 5.670 5.075 5.196 5.376 4.387 3.943 3.877 5.240 4.823 8.700 9.019 11.257 12.354 24.097 23.686 14.549 15.033 16.760 15.950 16.000 15.912 12.847 12.570 13.566 14.602 15.439 16.879 19.600 22.946 27.410 61.447 6,10

44.833 4,28

33.679 3,19

35.653 3,29

35.470 3,15

34.466 3,06

33.905 2,96

34.745 3,03

30.437 2,57

30.333 2,57

30.049 2,53

28.326 2,37

29.333 2,38

42.680 3,46

49.371 3,94

54.362 4,28

60.590 4,64

283.097 187.073 39.156 22.030 12.979 21.859

316.059 231.739 45.664 11.815 8.443 18.397

371.058 299.735 43.484 8.928 7.655 11.256

440.505 365.252 45.388 12.861 4.991 12.013

510.621 435.058 45.833 10.862 5.224 13.644

518.527 441.766 47.811 11.390 4.646 12.914

530.835 451.400 50.815 10.653 4.778 13.188

536.944 457.669 50.091 11.153 4.925 13.107

559.470 484.673 49.622 10.902 4.224 10.048

555.596 477.868 51.783 11.570 3.773 10.602

566.650 485.421 54.671 11.133 3.826 11.600

582.510 503.372 53.689 7.723 5.157 12.569

594.304 514.644 53.237 8.248 4.729 13.447

615.800 521.408 55.174 15.828 8.553 14.837

629.062 531.556 53.517 18.243 8.645 17.101

642.525 538.633 54.813 17.953 10.673 20.453

666.511 559.152 53.901 17.757 11.407 24.295

56.868 20,09

38.655 12,23

27.839 7,50

29.865 6,78

29.730 5,82

28.950 5,58

28.619 5,39

29.185 5,44

25.174 4,50

25.945 4,67

26.559 4,69

25.449 4,37

26.424 4,45

39.218 6,37

43.989 6,99

49.079 7,64

53.459 8,02


Miliar Rp

Tabel 1.34 Aktiva Produktif Bank Persero Des

Des

Des




2005

2004

Des Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

498.535 449.190 29.045 11.896 3.830 4.574

505.960 462.791 29.921 4.927 2.628 5.692

493.486 453.941 27.336 5.082 3.665 3.462

475.455 431.113 27.499 7.069 2.161 7.613

474.775 429.218 27.001 6.153 2.475 9.928

472.196 426.235 27.216 7.490 1.966 9.289

480.263 432.566 29.439 6.955 1.972 9.332

478.759 431.010 28.439 7.798 2.142 9.371

494.112 449.826 27.926 7.643 1.428 7.289

493.510 448.415 28.542 8.269 1.262 7.023

495.478 447.877 31.520 7.222 1.327 7.531

493.605 447.195 31.432 3.988 2.374 8.616

503.249 453.907 33.484 4.580 2.103 9.175

499.364 438.191 32.127 12.705 5.768 10.574

513.407 441.702 36.457 16.284 5.961 13.003

516.140 442.264 35.214 14.954 8.069 15.639

520.275 440.274 35.286 15.781 9.266 19.669

20.300 4,07

13.247 2,62

12.209 2,47

16.843 3,54

18.556 3,91

18.745 3,97

18.259 3,80

19.311 4,03

16.360 3,31

16.554 3,35

16.080 3,25

14.978 3,03

15.858 3,15

29.047 5,82

35.248 6,87

38.662 7,49

44.716 8,59

108.115 63.949 25.360 11.527 3.607 3.673

121.496 83.633 29.034 4.734 2.549 1.546

150.632 115.282 26.259 4.197 3.298 1.594

177.137 138.440 25.747 5.703 1.792 5.455

204.141 163.898 25.374 4.977 2.117 7.775

205.910 165.231 25.518 6.403 1.613 7.145

210.640 167.907 27.909 5.868 1.629 7.328

213.273 171.308 26.275 6.567 1.759 7.364

222.855 183.555 26.190 6.487 1.337 5.287

219.663 178.383 27.165 7.123 1.168 5.823

224.061 180.812 28.839 6.767 1.323 6.320

229.003 186.873 28.622 3.748 2.370 7.389

232.515 189.908 28.226 4.318 2.094 7.969

237.331 182.565 27.717 11.997 5.737 9.314

241.680 182.038 28.208 14.331 5.752 11.351

242.734 177.024 30.738 13.298 7.665 14.009

248.357 179.519 29.745 13.265 8.520 17.308

18.807 17,40

8.829 7,27

9.089 6,03

12.950 7,31

14.869 7,28

15.161 7,36

14.825 7,04

15.690 7,36

13.111 5,88

14.114 6,43

14.410 6,43

13.507 5,90

14.381 6,18

27.048 11,40

31.434 13,01

34.972 14,41

39.093 15,74

39


Miliar Rp

Tabel 1.35 Aktiva Produktif BUSN Devisa Des

Des

Des


2004

Des

2005

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

318.807 295.618 8.416 4.876 3.733 6.164

332.667 311.820 10.349 2.600 1.958 5.941

357.024 339.063 9.855 2.173 1.860 4.073

395.646 375.336 10.780 5.116 1.693 2.722

415.495 395.889 11.480 3.218 1.958 2.950

420.485 400.288 12.210 2.990 2.002 2.995

422.131 401.222 12.867 2.808 2.125 3.109

425.881 404.879 13.040 2.777 2.104 3.082

440.714 420.960 12.865 2.670 2.010 2.209

436.711 416.213 13.816 2.724 1.730 2.229

437.555 416.145 14.901 2.618 1.600 2.291

439.151 418.695 13.878 2.400 1.858 2.320

452.773 431.736 14.166 2.440 1.819 2.610

455.856 433.204 15.472 2.228 2.285 2.636

466.181 444.089 14.276 2.424 2.488 2.904

464.210 442.183 12.961 3.153 2.488 3.424

476.340 454.354 12.575 2.966 2.360 4.085

Non Performing Earning Asset (Nominal) Rasio Non Performing Earning Asset (%)

14.773 4,63

10.499 3,16

8.106 2,27

9.531 2,41

8.126 1,96

7.987 1,90

8.042 1,91

7.963 1,87

6.889 1,56

6.683 1,53

6.509 1,49

6.578 1,50

6.869 1,52

7.149 1,57

7.816 1,68

9.065 1,95

9.411 1,98

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

77.058 56.433 8.131 4.445 2.918 5.131

95.580 75.388 10.321 2.580 1.957 5.334

125.901 109.073 9.494 2.142 1.769 3.423

159.959 140.684 10.439 5.057 1.677 2.102

185.921 167.307 11.093 3.203 1.931 2.388

191.492 172.378 11.717 2.973 1.977 2.446

196.454 176.239 12.761 2.792 2.101 2.562

199.640 179.426 12.921 2.667 2.081 2.545

209.176 190.280 12.703 2.556 1.987 1.650

207.617 87.936 13.664 2.613 1.707 1.698

212.609 191.981 14.696 2.600 1.576 1.757

219.980 200.335 13.717 2.350 1.839 1.739

227.547 207.333 14.009 2.385 1.793 2.027

236.531 214.755 15.367 2.166 2.192 2.050

241.367 220.320 14.100 2.360 2.338 2.250

241.901 220.753 12.891 3.083 2.354 2.821

252.605 231.458 12.507 2.882 2.206 3.551


12.494 16,21

9.871 10,33

7.334 5,83

8.836 5,52

7.522 4,05

7.396 3,86

7.455 3,79

7.293 3,65

6.193 2,96

6.018 2,90

5.933 2,79

5.928 2,69

6.205 2,73

6.408 2,71

6.948 2,88

8.258 3,41

8.639 3,42


Miliar Rp

Tabel 1.36 Aktiva Produktif BUSN Non Devisa Des

Des

Des


Non Performing Earning Asset (Nominal) Rasio Non Performing Earning Asset (%) Kredit * a. Lancar b. DPK c. Kurang Lancar d. Diragukan e. Macet


2005

2004

Des Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

12.752 11.748 383 137 63 241

15.720 15.046 250 117 69 238

18.569 17.680 428 136 5 266

22.040 20.892 618 170 59 301

20.536 19.357 596 212 66 304

20.944 19.773 569 203 79 319

21.023 19.827 612 196 76 313

19.405 18.180 613 223 74 316

19.735 18.518 600 214 53 351

19.180 17.897 633 229 55 365

18.808 17.124 652 190 95 747

19.140 17.630 584 151 97 678

19.975 18.460 540 207 88 679

19.773 18.296 586 112 117 661

16.628 15.270 519 106 122 611

17.031 15.483 657 130 78 684

17.037 15.665 719 164 81 408

441 3,46

424 2,70

407 2,19

530 2,40

582 2,83

601 2,87

585 2,78

613 3,16

618 3,13

649 3,38

1.032 5,49

926 4,84

974 4,88

890 4,50

839 5,05

892 5,24

653 3,83

10.596 9.771 384 137 61 243

9.748 9.082 250 117 69 229

11.574 10.698 418 136 59 263

14.526 13.382 618 167 59 300

15.078 13.905 595 212 63 303

15.396 14.245 569 203 75 303

15.510 14.322 614 197 73 304

14.964 13.756 613 223 70 302

15.101 13.891 600 214 49 348

15.201 13.930 633 226 52 361

14.956 13.281 652 187 91 745

15.118 13.617 584 148 93 676

15.381 13.879 540 199 88 674

15.610 14.140 586 108 117 660

15.907 14.411 586 113 132 665

13.269 11.723 657 130 77 682

13.298 11.928 719 164 81 407

441 4,16

415 4,26

458 3,96

526 3,62

578 3,83

581 3,77

574 3,70

595 3,98

611 4,05

639 4,20

1.023 6,84

917 6,07

961 6,25

885 5,67

910 5,72

889 6,70

652 4,90

ket : * data hasil koreksi pada bulan Okt 2004

41


Miliar Rp

Tabel 1.37 Aktiva Produktif BPD Des

Des

Des




2005

2004

Des Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

21.736 20.617 191 91 83 755

40.223 39.434 239 84 93 373

50.853 50.000 393 106 61 293

54.957 53.953 509 142 101 253

61.799 60.424 574 227 139 435

60.248 58.834 633 206 166 410

60.946 59.392 734 220 182 419

61.161 59.462 879 213 183 424

66.255 65.086 519 193 144 313

64.946 62.994 1.251 217 141 343

66.877 64.869 1.274 216 141 377

66.119 64.153 1.227 180 158 400

66.570 64.643 1.192 201 162 372

67.515 65.543 1.150 219 175 429

72.699 70.784 1.111 217 133 454

75.929 73.862 1.136 229 151 551

80.972 78.892 1.038 259 142 641

929 4,27

550 1,37

460 0,90

496 0,90

801 1,30

782 1,30

821 1,35

820 1,34

650 0,98

701 1,08

734 1,10

738 1,12

735 1,10

823 1,22

804 1,11

931 1,23

1.042 1,29

10.085 9.003 188 91 83 720

15.396 14.678 239 82 90 308

21.498 20.795 286 104 61 251

28.348 27.447 409 141 101 250

35.148 33.777 574 227 139 432

35.944 34.534 633 205 166 407

36.917 35.366 734 219 181 417

37.223 35.528 879 213 183 421

37.232 36.066 519 193 144 310

37.440 35.493 1.251 216 141 340

38.049 36.050 1.274 215 136 374

38.966 37.010 1.227 179 153 397

38.277 36.379 1.172 200 157 369

39.247 37.284 1.150 218 170 425

42.012 39.947 1.201 222 144 497

42.708 40.652 1.136 228 146 547

43.561 41.493 1.038 258 137 636

894 8,86

480 3,12

416 1,94

492 1,74

798 2,27

778 2,16

817 2,21

817 2,19

647 1,74

697 1,86

725 1,91

729 1,87

726 1,90

813 2,07

863 2,05

921 2,16

1.031 2,37


Miliar Rp

Tabel 1.38 Aktiva Produktif Bank Campuran Des

Des

Des

2004

Des

2000 2001 2002 2003

Ags

Sep

Okt

2005 Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Aktiva Produktif (Earning Asset) a. Lancar b. DPK c. Kurang Lancar d. Diragukan e. Macet

56.113 41.709 3.946 2.658 3.186 4.614

49.941 37.658 4.583 2.280 1.935 3.484

45.586 35.341 4.517 1.821 1.398 2.508

43.950 35.760 4.374 1.345 518 1.953

51.151 42.716 4.871 1.665 480 1.419

51.946 43.882 4.795 1.582 446 1.241

53.213 45.286 4.670 1.642 436 1.179

54.270 46.529 4.616 1.511 476 1.139

54.647 47.000 4.737 1.436 365 1.109

56.156 48.824 4.558 1.405 349 1.021

57.441 50.423 4.246 1.380 364 1.028

58.303 51.976 4.192 806 362 966

60.181 54.172 3.945 873 228 963

59.871 54.032 3.771 904 193 971

60.764 54.919 3.873 815 152 1.006

68.960 62.628 4.224 884 216 1.008

72.088 65.921 4.110 815 250 991


10.458 18,64

7.699 15,42

5.727 12,56

3.816 8,68

3.564 6,97

3.269 6,29

3.257 6,12

3.126 5,76

2.910 5,33

2.775 4,94

2.772 4,83

2.134 3,66

2.064 3,43

2.068 3,45

1.973 3,25

2.108 3,06

2.056 2,85

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

30.376 15.976 3.721 2.817 3.182 4.680

29.162 17.732 4.108 2.164 1.839 3.320

25.111 16.364 4.071 1.011 1.386 2.280

24.975 17.980 4.011 671 490 1.823

28.785 21.935 4.331 816 465 1.239

28.464 21.953 4.253 748 436 1.075

29.169 22.707 4.185 819 425 1.033

29.649 23.310 4.126 751 462 999

30.914 24.750 4.199 641 346 978

30.777 24.892 4.046 622 338 878

31.385 25.789 3.773 584 355 884

32.389 26.960 3.708 544 354 823

33.283 28.060 3.585 573 219 846

33.796 28.720 3.408 629 183 855

34.636 29.604 3.499 542 146 844

42.064 36.550 3.845 633 209 828

44.953 39.496 3.778 584 241 853


10.679 35,16

7.323 25,11

4.677 18,63

2.984 11,95

2.520 8,75

2.259 7,94

2.277 7,81

2.212 7,46

1.965 6,36

1.838 5,97

1.823 5,81

1.721 5,31

1.638 4,92

1.667 4,93

1.532 4,42

1.670 3,97

1.678 3,73

43


Miliar Rp

Tabel 1.39 Aktiva Produktif Bank Asing Des

Des

Des

2004

Des

2000 2001 2002 2003

Ags

Sep

Okt

2005 Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Aktiva Produktif (Earning Asset) a. Lancar b. DPK c. Kurang Lancar d. Diragukan e. Macet

99.259 83.153 1.560 3.253 3.544 7.749

103.570 89.206 1.951 2.258 2.197 7.958

89.627 78.937 3.974 1.578 1.191 3.947

92.635 83.127 5.070 1.336 909 2.192

103.326 94.068 5.419 1.564 552 1.723

101.084 91.878 6.123 970 416 1.696

95.406 87.262 5.287 867 359 1.631

102.952 93.323 6.748 920 390 1.571

104.885 95.427 6.506 1.011 375 1.565

108.243 99.333 5.937 977 406 1.590

112.411 102.871 6.617 981 351 1.592

117.061 106.914 7.176 958 391 1.622

128.738 119.064 6.843 769 422 1.640

132.024 121.300 8.021 933 161 1.609

121.048 111.672 6.759 899 152 1.566

124.869 115.094 7.141 804 245 1.586

135.138 124.842 7.657 834 246 1.559


14.546 14,65

12.413 11,99

6.716 7,49

4.437 4,79

3.839 3,72

3.082 3,05

2.857 2,99

2.881 2,80

2.951 2,81

2.973 2,75

2.924 2,60

2.971 2,54

2.831 2,20

2.703 2,05

2.617 2,16

2.635 2,11

2.639 1,95

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

46.867 31.941 1.372 3.014 3.128 7.412

44.677 31.226 1.713 2.139 1.938 7.661

36.341 27.521 2.955 1.338 1.082 3.445

35.545 27.303 4.164 1.123 872 2.083

41.547 34.236 3.866 1.427 510 1.508

41.322 33.425 5.121 858 378 1.538

42.145 34.860 4.613 759 368 1.545

42.194 34.341 5.276 732 370 1.476

44.193 36.132 5.413 812 361 1.475

44.898 37.235 5.024 769 368 1.502

45.590 37.508 5.438 780 344 1.520

47.054 38.576 5.832 753 348 1.545

47.303 39.085 5.704 573 379 1.561

53.285 43.943 6.946 709 154 1.533

53.460 45.235 5.923 676 132 1.493

57.008 49.225 5.482 575 212 1.513

60.844 52.504 6.048 597 212 1.482


13.554 28,92

11.738 26,27

5.865 16,14

4.078 11,47

3.445 8,29

2.774 6,71

2.673 6,34

2.577 6,11

2.648 5,99

2.639 5,88

2.644 5,80

2.646 5,62

2.513 5,31

2.396 4,50

2.301 4,30

2.300 4,03

2.291 3,77



Tabel 1.40 Pengelompokkan Bank Berdasarkan Rasio NPL Kelompok Bank

Jumlah Bank Desember 2000 NPL <=5%

NPL >5%

Desember 2001 NPL <=5% NPL >5%

Desember 2002 NPL <=5%

NPL >5%

Desember 2003 NPL <=5%

NPL >5%

Agustus 2004 NPL <=5%

NPL >5%

Desember 2004 NPL <=5% NPL >5%

Agustus 2005 NPL <=5%

NPL >5%

Bank Persero

2

3

3

2

1

4

2

3

2

3

2

3

1

4

BUSN Devisa

10

28

21

17

24

12

29

7

25

10

29

6

24

9

BUSN Non Devisa

17

26

32

10

32

8

34

6

32

7

34

4

28

9

BPD

13

13

19

7

22

4

25

1

21

5

21

5

22

4

Bank Campuran

2

27

4

20

9

15

7

12

7

11

7

12

12

7

Bank Asing

-

10

1

9

2

8

3

7

4

7

6

5

8

3

Total

44

107

80

65

90

51

100

36

91

43

99

35

95

36

45


Miliar Rp

Tabel 1.41 Non Performing Loan Bank Umum Berdasarkan Sektor Ekonomi Sektor Ekonomi

Des

2004

Des Des Des

2000 2001 2002 2003 Ags 1. Pertanian, perburuan dan sarana pertanian 2. Pertambangan 3. Perindustrian 4. Listrik, gas dan air

2005

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

4.443

3.945

3.074

2.117

2.314

2.283

2.553

2.158

1.599

1.920

2.013

1.999

2.011

2.069

2.967

3.093

3.344

722

541

310

295

168

159

167

172

150

147

172

163

216

181

292

312

648

13.106 13.783

12.921

12.128 12.406

12.126

19.629 21.227

24.440

28.323

29.221 20.170 14.335

12.131 12.548

10.542 10.718

641

126

568

328

378

310

308

306

311

3

4

5

5

5

151

373

384

5. Konstruksi

2.204

1.211

890

758

629

595

589

851

425

457

547

597

848

1.595

2.289

2.645

2.640

6. Perdagangan, restoran dan hotel

6.941

5.453

3.950

4.911

4.609

5.274

5.291

5.343

4.587

4.821

4.940

5.284

5.367

6.687

7.394

8.233

7.706

7. Pengangkutan, pergudangan dan komunikasi

1.961

1.058

261

1.162

1.752

1.781

1.714

1.629

1.103

1.148

1.167

1.069

1.099

1.337

1.530

1.522

1.994

8. Jasa Dunia usaha

6.480

3.570

2.000

2.057

2.462

2.077

2.274

2.251

1.568

1.531

1.734

1.687

1.718

2.959

2.660

3.009

2.868

450

225

123

2.084

461

446

433

442

369

375

427

600

616

738

844

885

830

3.805

2.354

2.327

3.046

3.173

3.104

3.158

3.484

2.936

3.137

3.429

3.504

3.826

4.019

4.636

4.567

4.722

9. Jasa sosial/masyarakat 10. Lain-lain


Miliar Rp

Tabel 1.42 Non Performing Loan Bank Persero Berdasarkan Sektor Ekonomi Sektor Ekonomi

Des

2000 2001 2002 2003 Ags 1. Pertanian, perburuan dan sarana pertanian

2005

2004

Des Des Des Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

1.927

1.653

1.152

975

1.337

1.424

1.671

1.651

1.132

1.403

1.424

1.453

1.444

1.494

1.988

2.073

2.346

332

285

72

47

18

11

29

27

26

24

26

29

82

42

161

165

500

8.795

3.601

4.681

4.994

8.130

7.719

6.978

7.273

6.814

7.139

7.111

5.809

6.084

15.070

16.755

4. Listrik, gas dan air

564

18

85

1

2

-

-

-

-

-

-

-

-

1

149

149

148

5. Konstruksi

577

393

277

568

227

238

246

566

164

187

202

209

456

1.152

1.879

2.201

2.243


2.021

1.320

1.450

1.963

2.191

2.899

2.938

2.975

2.575

2.762

2.861

3.183

3.159

4.433

4.983

5.791

5.411


1.197

65

139

573

840

881

800

748

612

609

614

530

546

736

904

919

963

8. Jasa Dunia usaha

1.748

724

207

415

390

350

524

574

333

406

476

472

580

1.825

1.596

1.795

1.703

264

23

30

1.982

360

343

334

337

280

287

283

442

451

547

647

676

667

1.381

745

995

1.431

1.374

1.296

1.303

1.540

1.176

1.297

1.412

1.379

1.578

1.748

2.373

2.195

2.369

2. Pertambangan 3. Perindustrian


19.009 22.743

47


Miliar Rp

Tabel 1.43 Non Performing Loan BUSN Devisa Berdasarkan Sektor Ekonomi Sektor Ekonomi

Des

2005

2004

Des Des Des

2000 2001 2002 2003 Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

1. Pertanian, perburuan dan sarana pertanian

906

856

1.159

837

662

552

560

232

217

256

257

225

240

256

635

684

684

2. Pertambangan

162

126

56

141

99

97

89

96

100

99

101

92

92

97

88

94

112

3.747

3.580

2.310

3.161

1.524

1.632

1.657

1.919

2.067

2.067

1.794

1.732

1.814

1.840

1.934

2.903

2.959

5

31

433

286

318

308

305

303

309

1

1

2

3

2

2

224

236

5. Konstruksi

1.023

443

271

61

161

151

138

76

74

88

94

125

148

181

161

158

165


2.326

1.770

1.158

2.020

1.601

1.590

1.599

1.606

1.348

1.365

1.363

1.402

1.494

1.530

1.609

1.624

1.491

279

666

50

532

844

836

839

808

438

484

499

472

499

542

568

562

987

3.271

2.002

1.409

1.181

1.450

1.342

1.367

1.321

867

838

878

856

798

792

751

793

823

46

37

17

52

79

64

61

63

58

53

70

87

90

116

117

127

113

728

363

473

566

783

825

841

867

717

765

875

934

1.027

1.052

1.083

1.088

1.070

3. Perindustrian 4. Listrik, gas dan air

7. Pengangkutan, pergudangan dan komunikasi 8. Jasa Dunia usaha 9. Jasa sosial/masyarakat 10. Lain-lain


Miliar Rp

Tabel 1.44 Non Performing Loan BUSN Non Devisa Berdasarkan Sektor Ekonomi Sektor Ekonomi

Des

2004

Des Des Des


Sep

Okt

2005 Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

26

41

15

52

52

50

50

50

48

48

68

55

68

68

68

68

58

2. Pertambangan

2

3

-

1

1

1

1

1

1

1

18

18

18

18

18

18

1

3. Perindustrian

46

66

93

89

111

120

136

131

129

133

180

96

102

96

83

88

69

2

-

-

-

-

-

-

-

-

-

1

1

1

1

-

-

0

42

21

10

25

43

42

42

44

43

43

103

111

97

98

101

106

34

108

110

110

152

135

132

109

113

112

113

197

181

200

182

216

224

200


20

21

15

22

23

23

22

23

17

19

17

18

17

17

18

19

13

8. Jasa Dunia usaha

95

44

39

25

62

57

58

49

55

55

148

129

141

131

153

163

93

9. Jasa sosial/masyarakat

12

11

6

5

7

8

9

10

15

15

59

59

62

59

58

57

28

10. Lain-lain

87

98

170

154

145

147

147

175

190

212

232

250

254

214

195

215

228

4. Listrik, gas dan air 5. Konstruksi 6. Perdagangan, restoran dan hotel

49


Miliar Rp

Tabel 1.45 Non Performing Loan BPD Berdasarkan Sektor Ekonomi Sektor Ekonomi

Des


2005

2004

Des Des Des Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

61

88

66

42

79

76

97

84

56

73

85

87

80

98

121

112

140

2. Pertambangan

9

-

-

4

5

5

5

5

5

5

5

1

2

2

3

3

3

3. Perindustrian

76

43

37

28

37

40

36

33

25

26

26

26

20

19

23

25

30

-

-

-

-

-

-

-

1

-

-

-

-

-

-

-

-

0

5. Konstruksi

226

159

95

87

153

137

137

140

117

113

123

127

122

141

146

167

184


102

101

112

170

260

263

270

282

216

238

246

241

236

253

279

295

307

18

6

6

16

24

21

31

30

16

16

16

23

16

20

18

20

28

281

12

21

46

109

102

96

97

85

89

89

91

99

112

103

109

128


28

5

8

8

13

13

13

14

15

19

14

12

12

15

21

24

22

10. Lain-lain

92

66

71

89

117

120

131

133

111

117

120

120

140

154

150

166

190


7. Pengangkutan, pergudangan dan komunikasi 8. Jasa Dunia usaha


Miliar Rp

Tabel 1.46 Non Performing Loan Bank Campuran Berdasarkan Sektor Ekonomi Sektor Ekonomi

Des

2004

Des Des Des

2000 2001 2002 2003 Ags 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

Sep

Okt

2005 Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

1.077

865

534

211

185

181

175

142

145

139

140

140

141

115

117

117

79

205

93

36

59

-

-

-

-

-

-

-

-

-

-

-

9

9

6.976

4.551

3.015

2.019

1.604

1.487

1.516

1.485

1.300

1.266

1.241

1.127

1.050

1.087

1.036

1.044

1.129

71

77

50

40

3

2

2

2

2

2

2

1

1

1

1

-

-

323

189

201

16

45

26

26

26

26

26

24

25

24

24

3

2

1

1.071

799

399

259

305

276

273

270

236

233

235

238

240

251

249

249

245

74

26

37

19

21

21

21

20

21

21

21

21

22

21

22

3

3

570

414

269

208

182

174

172

172

190

97

98

101

85

84

49

144

116

47

54

45

36

2

2

2

2

1

1

1

1

1

1

-

-

0

264

256

91

117

172

90

90

94

45

54

61

68

74

83

56

100

96

51


Miliar Rp

Tabel 1.47 Non Performing Loan Bank Asing Berdasarkan Sektor Ekonomi Sektor Ekonomi

Des

2004

Des Des Des


Sep

Okt

2005 Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

446

442

148

-

-

-

-

-

-

-

38

38

38

38

38

38

38

10

34

146

42

547

714

701

888

1.377

3.408

3.850

3.758

2.582

2.792

3.313

3.392

3.106

9.581

8.330

4.201

2.816

2.376

1.923

1.809

1.707

1.795

1.774

1.774

1.751

1.648

1.517

1.395

1.372

1.393

-

-

-

-

56

-

-

-

-

-

-

-

-

-

-

-

-

12

7

34

1

1

-

-

-

-

-

-

-

-

-

-

12

12

1.315

1.352

723

348

116

113

101

97

99

110

39

39

39

38

58

50

51


374

276

15

-

-

-

-

-

-

-

-

5

-

-

-

-

-

8. Jasa Dunia usaha

514

375

54

182

268

54

57

39

38

46

43

38

14

14

8

4

4

52

94

18

-

-

16

16

16

-

-

-

-

-

-

-

-

-

1.252

827

525

689

582

625

646

676

697

692

729

754

752

767

780

802

768

2. Pertambangan 3. Perindustrian 4. Listrik, gas dan air 5. Konstruksi 6. Perdagangan, restoran dan hotel



Miliar Rp

Tabel 1.48 Non Performing Loan Bank Umum Berdasarkan Jenis Penggunaan Jenis Penggunaan

Des

Des Des

2005

2004

Des

2000 2001 2002 2003 Ags

Sep

Okt

Modal Kerja Properti Agrobisnis Lainnya

1.952 1.441 33.837

334 359 19.447

177 173 302 522 15.432 16.850

351 451 16.382

798 421 15.353

204 208 402 416 15.415 15.627

Total Modal Kerja

37.230

20.140

15.911 17.545

17.184 16.572 16.021

Investasi Properti Agrobisnis Lainnya

1.282 1.790 14.989

766 2.385 9.602

629 1.909 7.753

583 1.107 7.654

444 1.162 7.860

355 1.128 7.860

Total Investasi

18.061

12.754

10.291

9.344

9.465

Konsumsi KPR dan Apartemen s.d type 70 KPR dan Apartemen > type 70 Ruko dan Rukan Lainnya

326 138 39 1.596

255 113 14 810

216 160 16 1.716

419 192 31 2.333

Total Konsumsi

2.100

1.191

2.107

2.975

Nov

Des

Jan

Feb

Mar

Apr

Mei

150 406 13.903

571 439 14.296

173 456 15.103

16.252

14.459

15.306

15.732 14.339

163 468 13.708

160 437 13.891

170 256 836 1.313 19.293 21.129

345 1.361 7.794

337 811 8.382

331 643 6.891

258 633 6.684

264 634 6.572

203 604 6.901

206 612 7.440

9.344

9.501

9.531

7.866

7.576

7.470

542 291 39 2.208

559 310 40 2.125

574 303 46 2.174

607 331 50 2.414

465 272 48 2.065

555 288 49 2.171

3.080

3.034

3.098

3.402

2.850

3.063

14.488 20.299

Jun

Jul

Ags

267 203 1.324 1.325 22.880 24.586

22.698

24.472

26.115

210 612 14.179

257 986 15.515

248 1.066 18.820

249 1.109 21.366

7.707

8.258 15.000

16.758

20.134

22.724

607 310 51 2.388

595 329 61 2.417

692 338 59 2.589

677 354 57 2.831

682 351 105 3.397

711 386 67 3.309

712 387 64 3.457

3.356

3.402

3.678

3.919

4.534

4.473

4.620

53


Miliar Rp

Tabel 1.49 Non Performing Loan Bank Persero Berdasarkan Jenis Penggunaan Jenis Penggunaan

Des

Des Des

2004

Des

2000 2001 2002 2003 Ags Modal Kerja Properti Agrobisnis Lainnya

2005

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

1.286 1.022 8.322

95 331 3.911

22 231 4.551

58 356 7.055

76 343 8.988

669 313 8.774

78 294 8.936

82 307 9.205

31 266 8.270

451 298 8.635

33 306 9.154

29 330 8.025

29 299 8.083

40 701 13.418

121 1.177 15.183

106 1.184 16.690

103 1.205 18.296

10.630

4.336

4.804

7.469

9.407

9.755

9.309

9.594

8.567

9.385

9.492

8.384

8.410 14.159

16.481

17.980

19.604


385 1.091 6.150

23 1.488 2.577

20 721 2.706

198 364 3.555

79 452 3.643

3 533 3.638

3 768 3.496

3 579 4.031

1 445 2.975

1 441 3.041

5 454 3.100

3 454 3.346

5 454 4.026

10 467 10.728

14 474 12.154

14 547 14.299

12 612 16.559

Total Investasi

7.626

4.088

3.446

4.116

4.174

4.173

4.267

4.612

3.421

3.483

3.560

3.804

4.485 11.205

12.642

14.860

17.184


185 20 10 334

147 6 4 249

95 5 3 736

311 8 8 1.037

412 17 16 843

426 23 16 768

442 20 21 766

466 24 21 973

337 23 17 748

422 23 17 785

473 24 18 842

459 34 24 804

531 37 18 900

513 42 17 1.113

516 37 61 1.698

541 48 23 1.520

540 40 20 1.705

Total Konsumsi

550

406

839

1.364

1.287

1.232

1.249

1.485

1.124

1.247

1.357

1.320

1.485

1.685

2.312

2.132

2.306

Total Modal Kerja


Miliar Rp

Tabel 1.50 Non Performing Loan BUSN Devisa Berdasarkan Jenis Penggunaan Jenis Penggunaan

Des

Des Des

2005

2004

Des

2000 2001 2002 2003 Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags


353 38 6.141

179 8 5.117

42 26 3.209

62 112 4.647

201 40 2.596

60 42 2.591

60 42 2.561

60 43 2.649

55 82 2.063

55 81 2.132

56 80 2.124

55 80 2.089

53 82 2.293

53 82 2.430

54 82 2.540

34 81 2.797

44 79 2.855

Total Modal Kerja

6.533

5.304

3.277

4.822

2.838

2.693

2.663

2.752

2.200

2.269

2.260

2.224

2.427

2.565

2.675

2.912

2.978


551 293 4.749

294 261 3.784

182 681 3.199

129 471 2.848

224 483 3.194

215 374 3.289

206 374 3.372

203 47 3.445

197 47 3.064

195 47 2.763

196 46 2.570

132 21 2.657

133 21 2.649

133 33 2.659

154 414 2.660

156 419 3.710

156 431 4.039

Total Investasi

5.592

4.339

4.062

3.448

3.901

3.878

3.952

3.696

3.308

3.004

2.812

2.810

2.804

2.824

3.228

4.285

4.625


111 112 19 293

74 100 6 114

79 144 11 228

59 176 21 310

77 257 21 427

76 270 22 457

75 266 23 476

77 289 27 452

69 231 28 356

72 248 28 397

74 270 30 486

76 279 33 507

98 284 38 555

100 294 37 588

104 296 39 606

72 308 39 641

78 318 40 598

Total Konsumsi

535

295

462

566

782

825

840

845

686

745

860

894

975

1.019

1.044

1.061

1.035

55


Miliar Rp

Tabel 1.51 Non Performing Loan BUSN Non Devisa Berdasarkan Jenis Penggunaan Jenis Penggunaan

Des

Des Des

2004

Des

2000 2001 2002 2003 Ags

Sep

Okt

2005 Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags


18 2 222

19 2 234

7 2 227

12 39 247

30 56 287

30 56 282

30 56 276

30 56 278

30 51 292

30 51 298

49 61 611

49 49 501

49 48 537

49 44 523

49 44 554

50 48 571

9 38 376

Total Modal Kerja

242

254

237

298

372

367

361

363

372

378

721

599

635

616

646

668

422


15 3 105

7 5 69

5 4 51

7 1 66

7 1 53

7 1 59

7 1 58

3 1 53

3 45

3 46

2 68

5 64

5 0 67

5 0 49

5 0 64

5 0 71

4 0 70

Total Investasi

123

80

59

74

62

67

66

57

48

48

70

69

72

54

69

75

75


12 3 9 51

22 3 3 57

25 8 1 133

32 6 115

36 13 95

39 13 95

39 12 95

46 13 116

44 13 133

45 13 1 154

44 11 1 176

46 13 1 190

48 13 1 192

48 14 1 151

46 14 2 132

47 14 2 152

46 14 2 165

Total Konsumsi

75

85

166

153

144

147

147

175

190

212

232

250

254

214

194

215

228


Miliar Rp

Tabel 1.52 Non Performing Loan BPD Berdasarkan Jenis Penggunaan Jenis Penggunaan

Des

Des Des

2004

Des

2000 2001 2002 2003 Ags

Sep

Okt

2005 Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags


19 5 669

5 3 250

44 3 173

28 4 239

14 4 440

16 3 418

12 4 436

13 4 445

10 1 348

10 1 356

10 2 374

11 2 388

9 2 365

9 2 397

12 3 440

12 4 487

12 4 525

Total Modal Kerja

693

258

221

271

458

437

452

462

359

367

386

401

376

408

456

503

541


0 34 98

2 75 101

2 50 81

3 14 118

3 21 204

3 21 202

3 25 212

2 25 200

1 17 162

1 17 198

1 17 205

1 17 193

1 24 188

1 25 229

2 24 235

2 24 227

2 24 278

Total Investasi

132

178

132

135

228

226

239

227

180

215

222

211

213

254

261

254

304


17 1 0 51

12 1 32

16 1 46

17 1 1 67

17 3 1 91

17 3 1 94

17 3 2 104

18 2 2 106

15 2 2 89

16 2 2 94

15 2 2 97

14 2 3 98

15 2 2 118

16 2 2 131

16 2 2 127

18 2 2 140

20 2 1 164

Total Konsumsi

69

45

63

86

112

115

126

128

108

114

117

117

137

151

147

163

187

57


Miliar Rp

Tabel 1.53 Non Performing Loan Bank Campuran Berdasarkan Jenis Penggunaan Jenis Penggunaan

Des

Des Des

2004

Des

2000 2001 2002 2003 Ags

2005

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags


89 335 7.174

44 131 4.344

33 26 2.553

4 11 1.659

24 8 1.517

18 7 1.416

18 7 1.444

18 7 1.425

18 7 1.250

18 8 1.206

18 7 1.206

19 8 1.116

19 7 1.050

19 7 1.084

19 7 1.030

66 7 1.088

35 1.173

Total Modal Kerja

7.598

4.519

2.611

1.674

1.548

1.442

1.469

1.450

1.276

1.232

1.232

1.142

1.076

1.110

1.057

1.161

1.208


321 153 2.928

271 297 2.190

282 432 1.293

137 258 799

131 205 464

128 200 400

127 193 398

126 160 382

130 134 381

59 129 364

60 116 355

61 112 339

62 112 313

61 86 326

63 74 282

52 75 282

55 41 278

Total Investasi

3.402

2.758

2.007

1.193

800

727

718

669

645

552

531

512

487

474

420

409

374


36

30

57

116

172

90

90

94

45

1 53

61

67

74

83

56

31 12 0 57

27 10 0 58

Total Konsumsi

36

30

57

117

172

90

90

94

45

54

61

68

74

83

56

100

96


Miliar Rp

Tabel 1.54 Non Performing Loan Bank Asing Berdasarkan Jenis Penggunaan Jenis Penggunaan

Des

Des Des

2005

2004

Des

2000 2001 2002 2003 Ags

Sep

Okt

Nov

Des

Jan

Feb


186 38 11.309

37 16 9.935

28 13 4.719

8 3.003

6 2.556

6 1.872

6 1.761

6 1.625

6 1.680

6 1.668

6 1.636

Total Modal Kerja

11.534

9.988

4.761

3.011

2.562

1.878

1.767

1.632

1.686

1.674

10 217 958

168 261 881

139 22 424

109 269

301

272

259

270

264

1.185

1.311

585

378

301

272

259

270


1 3 831

3 328

3 516

2 1 686

2 1 579

2 1 622

2 1 643

Total Konsumsi

835

332

520

689

582

625

646

Investasi Properti Agrobisnis Lainnya Total Investasi

Mar

Apr

Mei

Jun

Jul

Ags

1.589

1.564

1.441

1.383

1.248

1.360

1.642

1.590

1.564

1.441

1.383

1.248

1.360

273

274

302

197

188

19 119

19 232

20 143

264

273

274

302

197

188

138

251

163

2 1 673

2 1 694

1 1 1 689

1 1 1 726

1 1 751

1 2 750

1 2 764

1 2 778

0 2 799

0 2 766

676

697

692

729

754

752

767

780

802

768

59


Miliar Rp

Tabel 1.55 Non Performing Loan Berdasarkan Lokasi Penyaluran Kredit Lokasi

Des

Des Des

2004

Des

2000 2001 2002 2003 Ags Jawa Barat Banten DKI Jakarta D.I Yogyakarta Jawa Tengah Jawa Timur Bengkulu Jambi Nanggroe Aceh Darussalam Sumatera Utara Sumatera Barat Riau Sumatera Selatan Bangka Belitung Lampung Kalimantan Selatan Kalimantan Barat Kalimantan Timur Kalimantan Tengah Sulawesi Tengah Sulawesi Selatan Sulawesi Utara Gorontalo Sulawesi Tenggara Nusa Tenggara Barat Bali Nusa Tenggara Timur Maluku Papua Maluku Utara Di Luar Indonesia

2.441

1.708

2.141

1.777

43.682 18 829 4.701 135 24 99 1.565 136 547 97

27.682 17 418 2.703 80 23 185 738 128 875 83

263 631 526 442 17 25 374 166

214 268 77 129 22 17 329 35

207 624 24 46 101 28 900 60

73 55 88 114 20 73 1.031 106

29 31 163 16 51 25 -

14 17 370 10 24 21 3 2.416

18 32 264 11 17 34 4 127

33 48 323 14 12 25 4 52

16.247 20.802 37 39 628 360 2.931 2.590 19 30 97 91 45 50 2.415 1.006 104 92 584 310 93 278

1.569 253 20.050 79 687 2.728 33 99 52 1.189 161 527 167 26 108 72 142 201 41 43 603 153 21 62 52 298 174 15 38 5 82

2005

Sep

Okt

Nov

Des

Jan

1.478 253 18.587 77 712 2.654 31 107 53 1.186 171 532 157 22 104 85 165 219 36 47 1.271 159 21 65 58 235 187 16 41 6 120

1.526 267 18.741 70 727 2.682 32 92 54 1.179 200 512 163 14 107 95 169 279 34 57 707 168 24 70 57 238 185 18 40 6 106

1.610 276 19.276 73 719 2.704 33 96 57 1.171 193 529 167 13 104 99 157 294 33 52 605 177 23 69 57 237 188 17 43 6 104

1.395 244 17.715 62 495 2.105 29 71 57 784 160 257 133 9 77 74 120 147 29 46 453 132 19 55 47 147 188 21 32 6 67

1.479 277 17.380 72 539 2.164 33 76 57 991 217 273 140 11 86 76 130 185 30 46 952 141 21 57 48 151 192 21 34 6 60

Feb

Mar

1.534 1.557 304 296 18.063 16.433 77 104 539 535 2.224 2.221 35 35 78 84 100 197 1.030 1.071 220 225 292 270 148 160 9 9 87 87 83 87 132 131 190 161 31 54 46 47 577 668 139 139 21 28 51 58 49 51 161 170 198 213 22 32 39 49 5 6 73 269

Apr

Mei

Jun

Jul

Ags

1.648 307 16.941 105 556 2.256 34 84 313 1.072 240 287 180 12 95 96 136 239 59 50 651 155 30 63 53 189 217 29 50 6 272

1.906 289 24.822 111 567 3.150 36 112 383 2.673 273 342 181 23 107 244 142 275 61 57 1.308 171 33 72 57 212 208 33 54 7 1.310

1.950 291 27.641 108 1.101 3.330 40 214 346 3.310 233 492 200 26 117 595 140 270 63 83 1.012 201 47 73 55 279 211 31 53 6 1.470

2.103 322 31.277 128 1.168 3.590 42 207 310 3.444 236 535 215 27 111 609 147 324 66 90 1.665 204 46 74 57 281 215 38 57 7 1.484

2.503 312 33.647 160 1.171 3.657 39 243 295 3.678 277 1.399 256 23 116 696 148 387 70 99 1.732 207 47 82 58 282 211 34 63 8 1.558


Miliar Rp

Tabel 1.56 Non Performing Penerusan Kredit ( Off-Balance Sheet ) Kelompok Bank

Des

Des

Des

2005

2004

Des

2000 2001

2002 2003

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Bank Persero Non Performing Penerusan Kredit Total Penerusan Kredit Rasio Non Performing (%)

2.824 35.050 8,06

3.096 38.367 8,07

3.568 34.810 10,25

7.494 32.095 23,35

7.186 32.452 22,14

7.139 31.590 22,60

7.428 31.925 23,27

6.773 31.903 21,23

6.912 30.963 22,32

6.935 30.512 22,73

6.980 30.528 22,86

7.009 30.644 22,87

7.088 30.721 23,07

6.153 30.333 20,28

6.205 30.542 20,32

6.338 30.376 20,87

6.754 30.980 21,80

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

832 2.330 35,70

919 2.525 36,41

945 2.528 37,38

954 2.508 38,04

1.126 2.558 44,03

1.129 2.560 44,11

1.129 2.601 43,41

1.128 2.601 43,37

1.130 2.710 41,68

1.130 2.689 42,02

1.235 2.716 45,48

1.235 2.726 45,31

1.252 2.754 45,46

1.267 2.771 45,73

1.270 2.791 45,50

1.263 2.750 45,94

1.287 2.765 46,55

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

23 50 46,05

14 49 28,57

15 45 33,12

13 42 31,28

14 42 32,59

14 42 32,58

14 42 32,58

14 42 32,57

15 42 34,74

15 42 34,73

15 42 34,69

15 42 34,64

15 42 34,63

15 42 34,61

15 42 34,61

15 42 34,59

15 42 34,59

BPD Non Performing Penerusan Kredit Total Penerusan Kredit Rasio Non Performing (%)

604 1.417 42,64

718 1.662 43,18

806 1.846 43,68

819 1.956 41,88

985 1.859 53,01

990 1.855 53,37

1.005 1.859 54,06

982 1.874 52,38

1.005 1.875 53,63

1.078 1.877 57,45

1.082 1.881 57,55

1.079 1.872 57,63

1.074 1.856 57,88

1.044 1.838 56,79

1.108 1.862 59,52

1.112 1.861 59,76

1.095 1.865 58,71

Bank Campuran Non Performing Penerusan Kredit Total Penerusan Kredit Rasio Non Performing (%)

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

7 59 11,47

7 58 11,86

Bank Asing Non Performing Penerusan Kredit Total Penerusan Kredit Rasio Non Performing (%)

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Bank Umum Non Performing Penerusan Kredit Total Penerusan Kredit Rasio Non Performing (%)

4.283 38.846 11,02

4.747 42.603 11,14

5.335 39.230 13,60

9.280 36.601 25,35

9.311 36.911 25,23

9.273 36.048 25,72

9.577 36.428 26,29

8.897 36.421 24,43

9.062 35.591 25,46

9.157 35.120 26,07

9.312 35.167 26,48

9.337 35.284 26,46

9.429 35.374 26,65

8.478 34.984 24,23

8.598 35.237 24,40

8.735 35.089 24,89

9.158 35.710 25,64

Ags

61


Miliar Rp

Tabel 1.57 Komposisi DPK Bank Umum Desember 2000 Nominal

Desember 2001

Desember 2002

Desember 2003

Agustus 2004

Desember 2004

Agustus 2005

Komposisi Komposisi Komposisi Komposisi Komposisi Komposisi Komposisi thd Total Nominal thd Total Nominal thd Total Nominal thd Total Nominal thd Total Nominal thd Total Nominal thd Total DPK (%) DPK (%) DPK (%) DPK (%) DPK (%) DPK (%) DPK (%)

Giro Rupiah Valas

160.210 103.538 56.672

22,89 14,79 8,10

184.869 119.995 64.874

23,19 15,05 8,14

196.226 130.238 65.988

23,48 15,58 7,90

217.998 150.117 67.881

24,53 16,89 7,64

246.408 166.996 79.412

26,81 18,17 8,64

245.722 170.843 74.879

25,51 17,74 7,77

279.858 191.096 88.762

26,73 18,25 8,48

Deposito Rupiah Valas

385.322 296.968 88.354

55,06 42,43 12,62

439.905 344.854 95.051

55,17 43,25 11,92

446.191 364.567 81.624

53,39 43,62 9,77

428.833 351.840 76.993

48,26 39,60 8,66

407.518 335.141 72.377

44,33 36,46 7,87

420.990 351.460 69.530

43,71 36,49 7,22

478.542 380.897 97.645

45,71 36,39 9,33

Tabungan Rupiah Valas

154.327 153.064 1.263

22,05 21,87 0,18

172.588 171.304 1.284

21,64 21,48 0,16

193.361 192.589 772

23,14 23,04 0,09

241.736 240.663 1.073

27,21 27,08 0,12

265.325 264.644 681

28,86 28,79 0,07

296.394 295.905 489

30,77 30,72 0,05

288.418 285.356 3.062

27,55 27,26 0,29

Total DPK Rupiah Valas

699.860 553.571 146.289

100,00 79,10 20,90

797.362 636.153 161.209

100 79,78 20,22

835.778 687.394 148.384

100 82,25 17,75

888.567 742.619 145.948

100 83,57 16,43

919.252 766.781 152.471

100 83,41 16,59

963.106 818.208 144.898

100 84,96 15,04

1.046.819 857.349 189.470

100 81,90 18,10


Miliar Rp

Tabel 1.58 Komposisi DPK Bank Persero Desember 2000 Nominal

Desember 2001

Desember 2002

Desember 2003

Agustus 2004

Desember 2004

Agustus 2005


Giro Rupiah Valas

59.923 49.077 10.846

19,00 15,56 3,44

64.188 50.780 13.408

17,62 13,94 3,68

67.017 51.157 15.860

18,09 13,81 4,28

77.136 59.839 17.297

20,93 16,24 4,69

85.924 66.529 19.395

23,78 18,41 5,37

83.211 63.449 19.762

22,15 16,89 5,26

92.146 68.438 23.708

23,45 17,42 6,03


186.281 152.043 34.238

59,06 48,21 10,86

220.211 183.582 36.629

60,46 50,41 10,06

212.896 181.524 31.372

57,46 48,99 8,47

177.770 149.656 28.114

48,24 40,61 7,63

150.523 127.927 22.596

41,65 35,40 6,25

151.350 128.831 22.519

40,28 34,29 5,99

167.304 135.864 31.440

42,58 34,58 8,00


69.183 68.547 636

21,94 21,73 0,20

79.807 79.645 162

21,91 21,87 0,04

90.630 90.571 59

24,46 24,44 0,02

113.574 113.486 88

30,82 30,80 0,02

124.939 124.798 141

34,57 34,53 0,04

141.171 141.048 123

37,57 37,54 0,03

133.465 133.302 163

33,97 33,93 0,04


315.388 269.667 45.721

100 85,50 14,50

364.206 314.007 50.199

100 86,22 13,78

370.542 323.252 47.290

100 87,24 12,76

368.479 322.981 45.498

100 87,65 12,35

361.387 319.255 42.132

100 88,34 11,66

375.731 333.328 42.403

100 88,71 11,29

392.914 337.603 55.311

100 85,92 14,08

63


Miliar Rp

Tabel 1.59 Komposisi DPK BUSN Devisa Desember 2000 Nominal

Desember 2001

Desember 2002

Desember 2003

Agustus 2004

Desember 2004

Agustus 2005


Giro Rupiah Valas

51.829 32.599 19.230

19,46 12,24 7,22

60.981 36.677 24.304

20,99 12,62 8,36

67.497 42.553 24.944

21,02 13,25 7,77

78.313 51.153 27.160

21,72 14,19 7,53

86.480 55.655 30.825

22,90 14,74 8,16

87.642 60.240 27.402

21,72 14,93 6,79

91.821 59.577 32.244

21,82 14,16 7,66


138.821 117.046 21.775

52,13 43,95 8,18

149.358 125.120 24.238

51,40 43,06 8,34

164.574 140.505 24.069

51,25 43,76 7,50

172.348 148.832 23.516

47,80 41,28 6,52

168.646 148.582 20.064

44,65 39,34 5,31

181.537 162.725 18.812

44,99 40,33 4,66

197.787 172.798 24.989

47,01 41,07 5,94


75.638 75.614 24

28,40 28,40 0,01

80.237 80.232 5

27,61 27,61 -

89.040 89.032 8

27,73 27,73 -

109.875 109.863 12

30,48 30,47 0,00

122.551 122.524 27

32,45 32,44 0

134.351 134.323 28

33,29 33,29 0,01

131.166 131.145 21

31,17 31,17 0,00


266.287 225.260 41.027

100 84,59 15,41

290.576 242.029 48.547

100 83,29 16,71

321.111 272.090 49.021

100 84,73 15,27

360.536 309.848 50.688

100 85,94 14,06

377.678 326.762 50.916

100 86,52 13,48

403.530 357.288 46.242

100 88,54 11,46

420.774 363.519 57.255

100 86,39 13,61


Miliar Rp

Tabel 1.60 Komposisi DPK BUSN Non Devisa Desember 2000 Nominal

Desember 2001

Desember 2002

Desember 2003

Agustus 2004

Desember 2004

Agustus 2005


Giro Rupiah Valas

1.470 1.470 -

12,77 12,77 -

1.352 1.352 -

9,79 9,79 -

1.433 1.433 -

8,40 8,40 -

1.718 1.718 -

8,59 8,59 -

2.024 2.024 -

10,59 10,59 0

1.900 1.900 -

9,91 9,91 -

2.006 2.006 -

12,20 12,20 0


8.463 8.463 -

73,51 73,51 -

10.690 10.690 -

77,42 77,42 -

13.866 13.866 -

81,33 81,33 -

16.271 16.271 -

81,40 81,40 -

14.949 14.949 -

78,21 78,21 0

15.049 15.049 -

78,52 78,52 -

12.672 12.672 -

77,09 77,09 0


1.579 1.579 -

13,72 13,72 -

1.766 1.766 -

12,79 12,79 -

1.751 1.751 -

10,27 10,27 -

2.000 2.000 -

10,01 10,01 -

2.142 2.142 -

11,21 11,21 0

2.217 2.217 -

11,57 11,57 -

1.759 1.759 -

10,70 10,70 0


11.512 11.512 -

100 100 -

13.808 13.808 -

100 100 -

17.050 17.050 -

100 100 -

19.989 19.989 -

100 100 -

19.114 19.114 -

100 100 0

19.166 19.166 -

100 100 -

16.438 16.438 -

100 100 0

65


Miliar Rp

Tabel 1.61 Komposisi DPK BPD Desember 2000

Desember 2001

Desember 2002

Desember 2003

Agustus 2004

Desember 2004

Agustus 2005

Komposisi Komposisi Komposisi Komposisi Komposisi Komposisi Komposisi Nominal thd Total Nominal thd Total Nominal thd Total Nominal thd Total Nominal thd Total Nominal thd Total Nominal thd Total DPK (%) DPK (%) DPK (%) DPK (%) DPK (%) DPK (%) DPK (%) Giro Rupiah Valas

10.806 10.789 17

54,54 54,45 0,09

22.785 22.769 16

61,63 61,59 0,04

25.773 25.750 23

56,32 56,27 0,05

26.492 26.452 40

51,25 51,17 0,08

29.095 29.019 76

51,32 51,18 0,13

30.463 30.401 62

51,21 51,11 0,10

43.350 43.317 33

55,43 55,39 0,04


4.181 4.156 25

21,10 20,98 0,13

7.025 7.011 14

19,00 18,97 0,04

10.987 10.970 17

24,01 23,97 0,04

12.553 12.536 17

24,28 24,25 0,03

15.347 15.327 20

27,07 27,03 0,04

13.628 13.560 68

22,91 22,80 0,11

20.634 20.609 25

26,38 26,35 0,03


4.825 4.825 -

24,35 24,35 -

7.158 7.158 -

19,36 19,36 -

8.998 8.998 -

19,66 19,66 -

12.650 12.650 -

24,47 24,47 -

12.254 12.254 -

21,61 21,61 0

15.395 15.395 -

25,88 25,88 -

14.224 14.224 -

18,19 18,19 0


19.813 19.770 43

100 99,78 0,22

36.968 36.938 30

100 99,92 0,08

45.758 45.717 41

100 99,91 0,09

51.695 51.638 57

100 99,89 0,11

56.695 56.600 95

100 99,83 0,17

59.486 59.356 130

100 99,78 0,22

78.209 78.150 59

100 99,92 0,08


Miliar Rp

Tabel 1.62 Komposisi DPK Bank Campuran Desember 2000 Nominal

Desember 2001

Desember 2002

Desember 2003

Agustus 2004

Desember 2004

Agustus 2005


Giro Rupiah Valas

9.454 2.679 6.775

42,99 12,18 30,81

9.870 2.194 7.676

42,24 9,39 32,85

9.244 2.609 6.635

43,16 12,18 30,98

8.938 2.314 6.624

40,95 10,60 30,35

8.509 3.281 5.228

31,99 12,34 19,66

10.399 2.895 7.504

36,75 10,23 26,52

14.985 5.891 9.094

34,80 13,68 21,12


12.141 3.791 8.350

55,20 17,24 37,97

12.819 4.295 8.524

54,86 18,38 36,48

11.907 4.642 7.265

55,59 21,67 33,92

12.452 6.167 6.285

57,05 28,25 28,79

14.733 6.947 7.786

55,39 26,12 29,27

17.563 9.413 8.150

62,08 33,27 28,81

26.912 14.922 11.990

62,50 34,65 27,84


398 113 285

1,81 0,51 1,30

677 200 477

2,90 0,86 2,04

266 136 130

1,24 0,63 0,61

437 238 199

2,00 1,09 0,91

355 355 -

1,33 1,33 0,00

331 331 -

1,17 1,17 0,00

1.167 1.167 -

2,71 2,71 0,00


21.993 6.583 15.410

100 29,93 70,07

23.366 6.689 16.677

100 28,63 71,37

21.418 7.388 14.030

100 34,49 65,51

21.827 8.719 13.108

100 39,95 60,05

26.597 10.583 16.014

100 39,79 60,21

28.293 12.639 15.654

100 44,67 55,33

43.062 21.979 21.083

100 51,04 48,96

67


Miliar Rp

Tabel 1.63 Komposisi DPK Bank Asing Desember 2000 Nominal

Desember 2001

Desember 2002

Desember 2003

Agustus 2004

Desember 2004

Agustus 2005


Giro Rupiah Valas

26.728 6.924 19.804

41,20 10,67 30,53

25.692 6.222 19.470

37,54 9,09 28,45

25.262 6.735 18.527

42,17 11,24 30,93

25.401 8.640 16.761

38,46 13,08 25,38

31.376 10.487 20.889

40,34 13,48 26,86

31.352 11.744 19.608

41,92 15,70 26,22

35.534 11.851 23.683

38,53 12,85 25,68


35.435 11.469 23.966

54,63 17,68 36,95

39.803 14.157 25.646

58,16 20,69 37,47

31.962 13.061 18.901

53,36 21,80 31,55

37.439 18.377 19.062

56,69 27,83 28,86

43.320 21.408 21.912

55,69 27,52 28,17

40.556 21.149 19.407

54,22 28,28 25,95

50.518 21.317 29.201

54,78 23,12 31,67


2.704 2.386 318

4,17 3,68 0,49

2.941 2.302 639

4,30 3,36 0,93

2.677 2.102 575

4,47 3,51 0,96

3.201 2.427 774

4,85 3,67 1,17

3.084 2.571 513

3,96 3,31 0,66

2.888 2.550 338

3,86 3,41 0,45

6.165 3.287 2.878

6,69 3,56 3,12


64.867 20.779 44.088

100 32,03 67,97

68.436 22.681 45.755

100 33,14 66,86

59.900 21.898 38.002

100 36,56 63,44

66.041 29.444 36.597

100 44,58 55,42

77.781 34.467 43.314

100 44,31 55,69

74.796 35.443 39.353

100 47,39 52,61

92.217 36.455 55.762

100 39,53 60,47


Miliar Rp

Tabel 1.64 Peringkat Bank Berdasarkan Dana Pihak Ketiga Desember 2000 Peringkat

Nama Bank

Desember 2001

Pangsa thd Total Total DPK DPK Bank Umum (%)

Nama Bank

Desember 2002


Nama Bank

Desember 2003


Nama Bank

Agustus 2004


Nama Bank

Desember 2004


Nama Bank

Agustus 2005


Pangsa thd

Nama Bank

Total Total DPK DPK Bank Umum (%)

1

PT Bank Mandiri

164.972


189.856


182.963


177.253


163.691


170.019


175.836

16.80

2


85.857


100.946


103.698


118.010


125.119


131.638


129.484

12,37

3


85.260


90.264


98.439


104.713


99.776


105.535


111.720

10,67

4


49.180


57.788


69.226


67.387


79.368


81.309


87.188

8,33

5

PT Bank Danamon Indonesia Tbk

30.501


39.799


34.898


39.623


35.244


40.376


42.662

4,08

6

PT Bank Internasional Indonesia Tbk 28.543







3,10

7

Citibank N.A

20.769

2,97 Citibank N.A

20.897


22.056


23.532



25.974

2,70 PT Bank Niaga Tbk

2,89

24.414

30.258

8

PT Lippo Bank Tbk

18.662


20.023


21.850


23.446


24.366


24.852


26.125

2,50

9


15.977


18.916


19.913


19.350


21.781


24.740


24.821

2,37

10

PT Bank Niaga Tbk

14.298


17.298

2,17 Citibank N.A

18.491

2,21 Citibank N.A

19.318

2,17 Citibank N.A

20.494

2,23 Citibank N.A

19.909

2,07 Citibank N.A

23.692

2,26

Total

514.019

73,45 Total

580.744

72,83 Total

600.890

71,90 Total

621.173

69,91 Total

623.057

67,78 Total

653.848

67,89 Total

684.246

65,36

69


Tabel 1.65 Penghimpunan DPK Berdasarkan Lokasi ( Agustus 2005 ) Giro 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 Bangka Belitung Lampung Kalimantan Selatan Kalimantan Barat Kalimantan Timur Kalimantan Tengah Sulawesi Tengah Sulawesi Selatan Sulawesi Utara Gorontalo Sulawesi Tenggara Nusa Tenggara Barat Bali Nusa Tenggara Timur Maluku Papua Maluku Utara Di Luar Indonesia Total

Rupiah

Tabungan

Valas

Rupiah

Deposito

Valas

Rupiah Milyar Rp

Valas

Total DPK Rupiah

Valas

Total

Pangsa Thd Total DPK (%)

13.473 7.162 94.728 1.850 6.944 17.257 501 1.204 4.771 6.462 1.816 7.648 2.737 929 1.646 1.682 1.408 4.673 1.339 839 2.755 553 165 563 705 2.831 1.582 602 2.107 163 -

3.730 752 64.938 360 2.157 6.068 22 159 257 2.222 217 2.030 732 72 186 298 318 1.002 31 69 471 188 5 31 82 1.423 20 49 290 1 581

29.264 5.577 88.275 5.337 22.882 36.465 957 2.536 3.421 18.339 3.728 10.004 6.130 1.611 3.164 3.883 4.983 8.480 1.724 1.452 7.722 2.186 441 1.041 1.758 7.371 1.958 1.239 3.047 383 -

200 0 2.004 4 260 239 0 0 0 280 2 1 0 0 1 0 0 1 0 0 1 0 0 0 0 1 0 1 0 67

30.088 5.509 229.767 3.034 15.393 36.524 329 1.493 1.634 16.131 2.300 5.566 5.258 559 1.881 1.405 2.525 5.742 587 637 4.071 1.276 214 339 742 4.859 873 640 1.387 132 -

4.502 832 74.491 322 1.959 7.162 6 55 125 2.928 130 512 584 18 148 112 155 517 14 17 245 235 13 6 17 483 28 27 103 8 1.892

72.825 18.248 412.770 10.221 45.219 90.246 1.787 5.234 9.826 40.932 7.845 23.218 14.125 3.098 6.690 6.970 8.916 18.895 3.650 2.927 14.548 4.015 820 1.943 3.205 15.062 4.413 2.482 6.541 678 -

8.431 1.584 141.433 686 4.376 13.468 28 214 383 5.430 349 2.543 1.317 90 335 411 473 1.520 45 86 717 423 18 37 99 1.906 48 77 393 9 2.540

81.256 19.832 554.204 10.907 49.594 103.714 1.816 5.447 10.208 46.361 8.194 25.761 15.442 3.189 7.025 7.381 9.389 20.415 3.695 3.013 15.265 4.438 838 1.980 3.304 16.968 4.462 2.559 6.935 688 2.540

7,76 1,89 52,94 1,04 4,74 9,91 0,17 0,52 0,98 4,43 0,78 2,46 1,48 0,30 0,67 0,71 0,90 1,95 0,35 0,29 1,46 0,42 0,08 0,19 0,32 1,62 0,43 0,24 0,66 0,07 0,24

191.096

88.762

285.356

3.062

380.897

97.645

857.349

189.470

1.046.819

100


Miliar Rp

Tabel 1.66 Penghimpunan DPK Berdasarkan Lokasi Penghimpunan 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 Bangka Belitung Lampung Kalimantan Selatan Kalimantan Barat Kalimantan Timur Kalimantan Tengah Sulawesi Tengah Sulawesi Selatan Sulawesi Utara Gorontalo Sulawesi Tenggara Nusa Tenggara Barat Bali Nusa Tenggara Timur Maluku Papua Maluku Utara Di Luar Indonesia Total

Des

Des

Des

2000

2001

2002 2003

67.232

77.714

83.774

87.178

409.927 6.076 31.855 66.028 899 2.622 3.461 27.654 4.342 10.338 10.230

446.724 7.422 39.587 79.594 1.030 3.315 4.370 32.272 5.596 15.449 11.794

460.564 8.217 39.597 80.269 1.216 3.829 6.062 37.841 6.305 16.777 12.004

480.627 8.569 41.093 87.518 1.522 4.544 7.095 39.967 7.432 19.174 14.869

4.431 4.034 5.293 9.382 1.879 1.628 8.862 3.540

5.334 4.674 6.285 12.998 2.319 2.151 10.670 4.236

5.184 4.952 6.916 14.472 2.532 2.318 11.182 3.785

5.837 5.638 6.187 15.785 2.896 2.681 13.117 4.926

1.057 1.808 10.630 2.194 1.699 3.158 -

1.444 2.264 12.498 2.993 1.706 4.283 770 1.150

1.675 2.453 12.164 3.192 2.257 4.949 330 958

700.258 800.640

835.778

2005

2004

Des Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

1.959 2.780 12.787 3.970 2.459 6.099 655 1.203

76.223 15.121 486.119 10.192 44.695 92.303 1.599 4.859 6.885 41.968 7.506 21.361 13.549 2.628 5.913 6.179 8.364 16.408 3.166 2.606 13.626 3.987 725 1.838 2.940 14.077 4.074 2.375 5.661 631 1.672

74.242 15.301 491.012 10.514 45.045 92.879 1.591 4.885 6.797 43.061 7.501 21.416 13.484 2.714 6.045 6.250 8.428 15.962 3.186 2.602 13.705 4.016 739 1.834 3.019 14.420 4.061 2.374 6.632 638 2.081

74.597 14.663 493.652 9.946 44.625 93.874 1.617 4.864 6.664 42.614 7.558 21.107 13.649 2.709 6.184 6.348 8.304 15.729 3.134 2.582 13.688 4.035 725 1.875 3.068 14.631 4.083 2.378 6.490 626 1.998

74.355 14.600 493.688 9.824 44.919 94.693 1.654 4.895 7.322 42.746 7.702 22.028 13.985 2.875 6.299 6.384 8.404 16.180 3.067 2.640 13.832 4.043 739 1.878 3.077 14.830 4.086 2.545 6.540 649 2.021

888.567

919.251

926.433

928.016

932.500

Mei

Jun

Jul

76.805 15.611 504.412 10.215 46.731 95.325 1.771 5.285 7.900 45.008 8.150 23.559 15.116 2.999 6.442 6.885 8.891 17.713 3.353 2.884 14.660 4.616 833 1.976 3.339 15.303 4.360 2.892 7.126 760 2.187

75.304 18.877 498.624 10.249 45.367 93.969 1.697 5.063 7.702 43.855 7.802 22.697 14.452 2.991 6.272 6.688 8.566 17.228 3.248 2.721 14.142 4.254 778 1.939 3.180 15.252 4.217 2.715 6.800 768 2.650

74.731 19.038 495.897 10.199 45.568 94.484 1.690 5.105 8.468 43.821 7.760 22.792 14.457 2.960 6.209 6.717 8.568 17.169 3.360 2.702 14.202 4.196 759 1.830 3.173 15.159 4.130 2.654 6.484 739 3.811

74.838 19.098 505.043 10.317 46.129 94.676 1.679 5.110 8.229 44.684 7.731 22.801 13.951 2.838 6.229 6.703 8.669 17.061 3.470 2.809 14.390 4.382 750 1.898 3.131 15.325 4.167 2.644 6.207 721 3.574

75.894 19.085 517.538 10.447 47.404 97.869 1.649 5.127 8.124 45.417 7.779 22.987 14.369 2.941 6.327 6.740 8.866 17.087 3.469 2.854 14.445 4.296 732 1.883 3.183 15.628 4.192 2.656 6.206 711 2.710

76.778 19.239 523.241 10.565 47.445 99.392 1.652 5.140 8.118 44.891 7.795 22.649 14.476 2.998 6.289 6.811 8.862 16.992 3.483 2.885 14.561 4.284 745 1.873 3.172 15.701 4.147 2.610 6.083 725 3.142

963.105

950.065

948.832

959.251

978.616

986.744 1.011.002 1.015.988 1.046.819

79.083 80.716 19.587 19.263 529.677 537.674 10.805 10.672 48.584 48.265 101.425 100.451 1.784 1.766 5.364 5.325 9.321 9.482 45.979 45.593 8.058 7.963 24.739 24.257 15.090 14.879 3.184 3.215 6.833 6.686 7.170 7.104 9.168 9.141 19.014 18.583 3.682 3.586 3.177 3.000 15.325 14.972 4.474 4.327 823 824 2.032 1.969 3.336 3.276 16.072 16.308 4.304 4.305 2.699 2.624 6.346 6.561 750 720 3.116 2.480

Ags 81.256 19.832 554.204 10.907 49.594 103.714 1.816 5.447 10.208 46.361 8.194 25.761 15.442 3.189 7.025 7.381 9.389 20.415 3.695 3.013 15.265 4.438 838 1.980 3.304 16.968 4.462 2.559 6.935 688 2.540

71


Miliar Rp

Tabel 1.67 Deposito Berdasarkan Jangka Waktu Simpanan Jangka Waktu Simpanan

2004

Des

Des

Des

Des

2002 2003

Ags

2000

2001

1 Bulan Bank Persero BUSN Devisa BUSN Non Devisa BPD Bank Campuran Bank Asing Total

106.058 106.756 9.180 2.675 10.872 27.880 263.421

126.362 122.877 7.379 4.363 10.646 31.488 303.115

115.329 133.119 7.967 6.296 10.015 25.609 298.335

107.765 129.495 8.304 6.386 9.955 29.982 291.886


42.281 20.399 4.676 783 1.084 3.911 73.132

51.743 21.138 2.351 1.320 1.728 4.852 83.131

46.838 22.465 4.211 2.305 1.186 3.445 80.449


19.216 3.303 703 461 375 1.583 25.641

13.443 2.701 485 408 250 2.056 19.342


4.840 1.738 106 258 135 1.304 8.381

>12 Bulan Bank Persero BUSN Devisa BUSN Non Devisa BPD Bank Campuran Bank Asing Total

14.015 72 4 4 21 757 14.874

2005

Sep

Okt

Nov

Des

100.044 136.184 10.494 8.782 11.967 36.952 304.422

99.027 138.095 10.715 8.436 12.966 37.108 306.348

97.358 137.059 10.648 8.146 13.268 36.072 302.551

97.415 136.873 10.282 8.366 13.140 34.955 301.031

100.339 148.028 11.054 7.512 12.819 35.483 315.235

31.267 26.853 3.602 1.908 1.242 4.950 69.822

23.405 19.941 2.708 2.773 1.604 3.588 54.020

24.284 20.234 2.818 3.463 1.804 4.379 56.982

24.453 19.500 2.906 3.385 1.872 4.221 56.337

22.568 19.358 2.474 2.068 1.763 3.878 52.108

14.183 4.347 501 561 291 1.234 21.117

11.910 7.205 2.687 1.094 525 1.087 24.509

12.899 5.681 1.024 1.997 526 1.028 23.154

13.464 5.831 1.007 1.960 727 989 23.978

13.591 6.201 1.069 2.075 873 1.036 24.845

9.869 2.544 473 899 172 1.260 15.219

15.676 4.417 1.136 1.622 300 1.146 24.297

17.727 8.590 1.596 2.978 497 1.111 32.500

10.518 6.713 673 1.784 530 1.487 21.704

9.370 6.706 700 1.813 547 1.339 20.475

18.794 92 2 34 22 148 19.092

20.869 226 52 203 115 528 21.993

9.100 204 83 187 233 308 10.116

3.658 127 50 12 107 265 4.218

2.645 106 56 13 90 240 3.150

Jan

Feb

Mar

Apr

Mei

Jun

100.056 143.635 10.586 8.856 12.827 36.779 312.740

98.202 139.374 10.031 10.033 13.222 38.439 309.301

98.648 142.030 10.465 10.691 14.756 37.798 314.388

22.260 19.706 2.355 1.668 2.341 3.824 52.155

21.753 19.756 2.313 2.211 1.667 3.621 51.321

21.881 19.644 2.316 2.406 1.440 3.678 51.366

15.030 6.963 1.081 2.745 1.174 1.116 28.110

16.276 7.601 1.176 2.931 1.327 1.195 30.505

16.127 7.863 1.140 2.931 1.175 1.310 30.546

8.035 6.468 614 1.756 549 1.276 18.699

7.818 6.114 454 1.539 614 1.355 17.894

7.607 6.073 440 1.501 741 1.119 17.480

5.418 104 49 14 103 239 5.927

4.588 111 24 14 302 240 5.278

4.867 130 24 15 336 242 5.615

Jul

Ags

96.219 147.868 11.021 11.439 14.516 47.371 328.435

98.526 152.193 11.043 11.556 13.830 42.117 329.265

102.413 155.231 11.235 13.175 13.128 38.079 333.260

110.277 153.066 11.632 13.046 18.844 39.422 346.286

114.610 154.874 11.384 13.634 20.468 41.976 356.946

22.383 19.837 2.384 2.667 1.349 4.513 53.133

25.979 21.187 2.456 2.791 1.778 4.853 59.042

28.026 22.800 2.619 3.755 1.993 5.178 64.372

29.510 24.307 2.628 4.060 2.193 5.283 67.983

29.080 24.345 2.623 4.152 2.762 4.990 67.953

30.721 25.660 2.652 4.688 3.257 5.127 72.105

15.998 7.833 970 2.858 1.278 1.272 30.208

16.125 8.199 903 2.765 1.273 1.303 30.567

15.964 7.959 971 2.530 1.549 1.339 30.312

14.306 7.165 838 1.804 1.497 1.401 27.012

12.709 6.452 779 1.565 1.441 1.520 24.466

12.664 6.613 909 1.708 1.496 1.473 24.863

10.384 6.080 771 1.079 1.231 1.542 21.087

7.590 6.033 442 1.214 637 1.228 17.143

7.249 6.380 443 1.253 658 1.189 17.172

7.422 7.053 547 1.222 686 1.184 18.115

6.979 7.342 508 1.200 694 1.134 17.856

7.079 8.792 496 1.209 672 1.140 19.388

7.261 9.710 628 1.270 656 1.051 20.576

7.523 10.676 595 1.289 1.166 1.145 22.394

6.825 10.926 572 1.208 1.557 1.437 22.525

5.553 139 32 16 286 305 6.331

3.890 161 24 17 291 365 4.747

4.173 588 12 16 297 371 5.458

6.037 182 14 29 319 385 6.966

4.685 216 20 23 327 377 5.649

6.530 215 54 29 330 355 7.513

5.033 201 8 24 370 458 6.094

4.765 247 9 24 398 437 5.879


Miliar Rp

Tabel 1.68 Peringkat Bank Berdasarkan Kredit Desember 2000 Peringkat

Nama Bank

Desember 2001

Pangsa thd Total Total Kredit Kredit Bank Umum (%)

Nama Bank

Desember 2002


Nama Bank

Desember 2003


Nama Bank

Agustus 2004


Nama Bank

Desember 2004


Nama Bank

Agustus 2005


Pangsa thd

Nama Bank

Total Total Kredit Kredit Bank Umum (%)

1

PT Bank Mandiri

42.317


47.443


63.536


73.294


81.660


88.194


100.187

15,03

2


31.084


32.950


39.347


46.523


56.916


61.518


70.554

10,59

3


26.672


32.574


37.337


45.874


52.996


58.824


61.895

9,29

4

PT Bank International Indonesia Tbk 18.718


14.516


21.191


29.051


34.684


40.283


47.900

7,19

5

Citibank N.A

4,47 Citibank N.A

11.444

3,62 PT Bank Danamon Indonesia (Tbk)

18.452


22.626


24.687


29.217


34.961

5,25

6

The Hongkong & Shanghai B.C

8.246

2,91 PT Bank Danamon Indonesia (Tbk)

10.588

3,35 Citibank N.A

11.121


14.003


17.374


21.317


26.825

4,02

7


7.670

2,71 PT Bank International Indonesia Tbk

8.751


10.698

2,88 PT Bank Bukopin

13.214


12.912


14.841


20.336

3,05

12.655

8


7.600

2,68 The Hongkong & Shanghai B.C

8.533


10.293


11.158


12.793


12.974

2,32 PT Bank Internasional Indonesia

19.322

2,90

9

Standard Chartered Bank

6.621


8.405


8.982


9.997


11.947


12.865

2,30 Citibank N.A

15.654

2,35

10

PT Bank Niaga Tbk

6.143


7.876

2,49 PT Bukopin

8.493

2,29 Citibank N.A

9.876


11.883


12.607

2,25 PT Pan Indonesia Bank Tbk

14.603

2,19

62,57 Total

317.851

62,25 Total

352.640

63,03 Total

412.238

61,85

Total

167.726

59,25 Total

183.079

57,93 Total

229.450

61,84 Total

275.617

73


Miliar Rp

Tabel 1.69 Perkembangan Jumlah Bank dan Kantor Bank Umum Sektor Ekonomi

Des

Des

Des

2004

Des

2000 2001 2002 2003

Ags

Sep

Okt

2005 Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Bank Persero Jumlah Bank Jumlah Kantor

5 1739

5 1807

5 1885

5 2072

5 2115

5 2133

5 2149

5 2112

5 2112

5 2124

5 2123

5 2129

5 2122

5 2126

5 2129

5 2133

5 2133

BUSN Devisa Jumlah Bank Jumlah Kantor

38 3339

38 3432

36 3565

36 3829

35 3936

35 3998

35 4016

35 3932

34 3947

34 3994

34 4016

34 4027

34 4037

34 4042

33 3988

33 4073

33 4009

BUSN Non Devisa Jumlah Bank Jumlah Kantor

43 533

42 556

40 528

40 700

39 698

39 698

39 720

39 698

38 688

37 678

37 687

37 699

37 698

37 700

37 703

37 704

37 704

BPD Jumlah Bank Jumlah Kantor

26 825

26 857

26 909

26 1003

26 1051

26 1061

26 1073

26 1061

26 1064

26 1068

26 1069

26 1086

26 1087

26 1087

26 1090

26 1090

26 1090

Bank Campuran Jumlah Bank Jumlah Kantor

29 58

24 53

24 53

20 57

20 59

20 61

20 61

19 59

19 59

19 60

19 61

19 61

19 62

19 62

19 62

19 61

19 62

Bank Asing Jumlah Bank Jumlah Kantor

10 53

10 60

10 61

11 69

11 68

11 69

11 69

11 69

11 69

11 69

11 70

11 71

11 71

11 71

11 71

11 71

11 71

Total Jumlah Bank Jumlah Kantor

151 6547

145 6765

141 7001

138 7730

136 7927

136 8020

136 8088

135 7931

133 7939

132 7993

132 8026

132 8073

132 8077

132 8088

131 8043

131 8132

131 8069


Tabel 1.70 Perkembangan Jumlah Bank dan Kantor Bank Berdasarkan Wilayah ( Posisi Agustus 2005) Lokasi KP

Bank Persero

BUSN Devisa

BUSN Non Devisa

KC KCP KK KPW Total KP


BPD


Bank Campuran

Bank Asing

Bank Umum




KC KCP KK KPW Total

Bali

0

15

34

16

0

65

0

36

65

7

0

108

2

6

26

31

0

65

1

11

3

21

0

36

0

2

0

0

0

2

0

3

0

0

0

3

3

73

128

75

0

279

Bengkulu

0

6

4

1

0

11

0

5

5

0

0

10

0

0

0

0

0

0

1

3

13

2

0

19

0

0

0

0

0

0

0

0

0

0

0

0

1

14

22

3

0

40

DI Aceh

0

20

6

6

0

32

0

15

6

5

0

26

0

1

0

1

0

2

1

11

5

18

0

35

0

0

0

0

0

0

0

0

0

0

0

0

1

47

17

30

0

95

DI Yogyakarta

0

14

24

18

0

56

0

21

36

25

0

82

0

2

0

6

0

8

1

5

11

19

0

36

0

0

0

0

0

0

0

0

0

0

0

0

1

42

71

68

0

182

DKI Jakarta

5

72

312

95

2

486

25

254

847 234

8

1368

24

24

102

40

0

190

1

17

31

57

0

106

19

0

7

7

0

33

11

3

4

23

0

41

85

370 1303 456

10

2224

Irian Jaya

0

23

7

6

0

36

0

11

3

1

0

15

0

0

0

0

0

0

1

11

10

34

0

56

0

0

0

0

0

0

0

0

0

0

0

0

1

45

20

41

0

107

Jambi

0

14

8

3

0

25

0

13

3

0

0

16

0

0

0

0

0

0

1

8

0

7

0

16

0

0

0

0

0

0

0

0

0

0

0

0

1

35

11

10

0

57

Jawa Barat

0

94

188

68

0

350

3

163

474 123

0

763

6

28

46

88

0

168

1

37

36

26

0

100

0

5

8

0

0

13

0

5

0

0

0

5

10

332

752 305

0

1399

Jawa Tengah

0

82

61

38

0

181

0

116

175

73

0

364

1

15

11

43

0

70

1

34

89

64

0

188

0

1

0

0

0

1

0

6

0

0

0

6

2

254

336 218

0

810

Jawa Timur

0

89

93

36

0

218

4

146

341

70

0

561

4

34

29

46

0

113

1

36

6

46

0

89

0

7

0

0

0

7

0

5

2

0

0

7

9

317

471 198

0

995

Kalimantan Barat

0

15

8

3

0

26

0

18

13

3

0

34

0

1

0

0

0

1

1

13

18

5

0

37

0

0

0

0

0

0

0

0

0

0

0

0

1

47

39

11

0

98

Kalimantan Selatan

0

21

12

5

0

38

0

17

8

1

0

26

0

1

1

6

0

8

1

11

0

8

0

20

0

0

0

0

0

0

0

0

0

0

0

0

1

50

21

20

0

92

Kalimantan Tengah

0

14

4

1

0

19

0

5

1

0

0

6

0

0

0

0

0

0

1

5

10

3

0

19

0

0

0

0

0

0

0

0

0

0

0

0

1

24

15

4

0

44

Kalimantan Timur

0

23

16

9

0

48

0

34

22

11

0

67

0

1

1

0

0

2

1

12

10

6

0

29

0

0

0

0

0

0

0

1

0

0

0

1

1

71

49

26

0

147

Lampung

0

14

11

6

0

31

0

22

20

6

0

48

0

1

0

6

0

7

1

5

5

5

0

16

0

0

0

0

0

0

0

0

0

0

0

0

1

42

36

23

0

102

Maluku

0

10

3

2

0

15

0

7

2

2

0

11

0

0

0

0

0

0

1

12

7

1

0

21

0

0

0

0

0

0

0

0

0

0

0

0

1

29

12

5

0

47

NTB

0

11

9

2

0

22

0

10

10

1

0

21

0

2

1

0

0

3

1

6

12

2

0

21

0

0

0

0

0

0

0

0

0

0

0

0

1

29

32

5

0

67

NTT

0

16

14

0

0

30

0

7

0

1

0

8

0

1

0

0

0

1

1

13

1

0

0

15

0

0

0

0

0

0

0

0

0

0

0

0

1

37

15

1

0

54

Riau

0

28

34

12

0

74

0

39

40

17

0

96

0

2

0

0

0

2

1

19

11

4

0

35

0

1

1

0

0

2

0

1

0

0

0

1

1

90

86

33

0

210

Sulawesi Selatan

0

40

30

15

0

85

0

33

27

7

0

67

0

2

4

11

0

17

1

27

5

6

0

39

0

1

0

0

0

1

0

1

0

0

0

1

1

104

66

39

0

210

Sulawesi Tengah

0

11

12

0

0

23

0

10

1

0

0

11

0

0

0

0

0

0

1

3

5

0

0

9

0

0

0

0

0

0

0

0

0

0

0

0

1

24

18

0

0

43

Sulawesi Tenggara

0

8

6

3

0

17

0

8

2

0

0

10

0

0

0

0

0

0

1

4

7

1

0

13

0

0

0

0

0

0

0

0

0

0

0

0

1

20

15

4

0

40

Sulawesi Utara

0

19

13

3

0

35

0

20

5

1

0

26

0

1

0

2

0

3

1

9

7

6

0

23

0

0

0

0

0

0

0

1

0

0

0

1

1

50

25

12

0

88

Sumatera Barat

0

22

14

6

0

42

0

18

7

4

0

29

0

1

2

6

0

9

1

23

3

21

0

48

0

0

0

0

0

0

0

0

0

0

0

0

1

64

26

37

0

128

Sumatera Selatan

0

31

23

17

0

71

0

20

38

18

0

76

0

1

1

5

0

7

1

12

16

7

0

36

0

0

0

0

0

0

0

0

0

0

0

0

1

64

78

47

0

190

Sumatera Utara

0

43

29

25

0

97

1

49

82

28

0

160

0

4

4

20

0

28

1

18

0

9

0

28

0

3

0

0

0

3

0

4

1

0

0

5

2

121

116

82

0

321

5

755

975 396

2

2133 33 1097 2233 638

8

4009

37

128

228 311

0

704

26

365

1090 19

20

16

7

0

62

11

30

7

23

0

71

10

8069

Jumlah

321 378

0

131 2395 3780 1753

75

DATA BANK SYARIAH


Miliar Rp

Tabel 2.1 Kegiatan Usaha Bank Umum Syariah (BUS) dan Unit Usaha Syariah (UUS) Indikator

Des

Des

Des

2000 2001 2002 2003 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

2005

2004

Des Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar 15.848 12.770 11.821 949 946 1.281 691

1.731 1.271 1.181 90 60 398 -

2.611 2.050 1.990 60 171 388 -

4.027 3.277 3.165 112 130 572 46

7.800 5.561 5.301 260 246 1.883 105

11.755 9.542 8.824 718 466 1.062 535

12.296 10.131 9.509 622 460 1.032 525

13.043 10.683 10.091 592 522 1.168 482

13.605 10.979 10.357 622 549 1.314 618

14.793 11.324 10.698 627 718 1.968 671

14.809 11.504 10.896 608 717 1.776 701

15.053 11.981 11.263 719 804 1.427 730

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

2 1.272 1.029 923 200 387 337 106 21 85 56 13 133 133 39 1

2 2.065 1.806 1.609 230 788 591 198 70 128 50 13 172 172 22 2

2 3.228 2.918 2.727 305 1.607 815 190 54 137 38 31 202 202 35 3

2 1 6.691 5.759 5.450 566 3.270 1.614 309 74 235 0 35 282 140 418 418 54 4

2 148 10.348 9.348 8.436 953 4.783 2.700 912 276 636 1 34 287 160 415 415 94 9

6 142 10.706 9.676 8.927 1.062 5.008 2.857 749 165 584 0 34 301 160 415 415 109 11

6 182 11.328 10.100 9.365 1.056 5.425 2.884 735 147 588 34 483 180 416 416 105 11

6 140 11.873 10.559 9.849 1.070 5.724 3.055 710 114 596 34 602 162 417 417 89 11

6 105 12.914 11.718 10.897 1.421 6.242 3.234 822 118 704 33 483 162 415 415 91 10

6 105 12.990 11.804 10.996 1.595 6.097 3.305 808 111 697 33 449 162 415 415 116 10

6 105 13.065 11.685 10.878 1.478 6.066 3.334 807 148 659 33 551 162 415 415 208 11

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

524 8 25 (104) 1 -

524 22 83 (91) 1 -

524 33 54 (11) 1 -

626 34 44 23 1 -

628 83 114 23 1 -

628 83 132 23 (1) -

728 99 154 (36) (1) -

728 99 174 (36) (1) -

728 99 167 (36) (1) -

728 99 20 134 (1) -

728 99 45 133 (1) -

291

281

542

1.623

540

415

369

447

1.094

-

1.794

2.728

4.087

7.944

12.205

12.722

13.466

14.038

15.210

5 62

5 96

8 138

10 234

14 293

15 301

17 309

18 315

18 337

SWBI (BUS & UUS) Total Asset Jaringan Kantor Jumlah Bank Jumlah Kantor *)

* ) Tidak Termasuk Gerai Muamalat

Apr

Mei

Jun

17.282 14.165 13.079 1.086 780 1.372 733

17.555 14.388 13.287 1.101 907 1.305 712

6 208

6 225

6 237

14.386 12.918 12.189 1.578 6.986 3.625 729 126 603 0 33 716 168 410 410 121 19

14.740 13.239 12.459 1.376 7.235 3.848 780 173 607 212 599 145 409 409 116 20

15.112 13.499 12.543 1.290 7.406 3.848 956 326 630 33 857 168 409 409 124 22

951 108 106 44 133 -

959 230 96 (76) 133 -

959 230 147 (76) 133 -

959 230 178 (76) 133 -

449

-

538

439

360

16.906

17.142

17.310

17.734

18.025

20 371

20 373

20 382

20 385

20 391

16.736 13.770 12.724 1.046 626 1.436 730

6 163 14.387 12.708 11.693 1.493 6.656 3.545 1.015 130 884 33 836 164 412 412 219 15

6 168 14.226 12.689 11.960 1.576 6.775 3.609 729 138 591 33 740 166 413 413 173 12

728 99 75 127 (1) -

728 99 79 93 (1) -

-

-

15.246

15.448

16.271

18 340

19 349

19 357

Ags

16.937 13.687 12.640 1.048 786 1.502 748

16.553 13.270 12.209 1.061 1.071 1.297 747

6 153 13.833 12.209 11.381 1.576 6.371 3.433 828 151 678 33 590 164 412 412 405 20

Jul


Miliar Rp

Tabel 2.2 Kegiatan Usaha Bank Umum Syariah (BUS) Indikator

Des

Des

Des

2000 2001 2002 2003

2005

2004

Des

Jan

Feb

Mar

Jun

Jul

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

1.660 1.227 1.137 90 48 384 -

2.370 1.848 1.788 60 165 355 -

3.404 2.705 2.593 112 116 546 36

6.226 4.328 4.070 258 143 1.690 62

9.586 8.101 7.407 694 285 709 344

9.957 8.626 8.027 599 244 605 338

10.591 9.085 8.516 568 236 810 275

11.120 9.353 8.756 597 270 954 400

12.144 9.627 9.025 601 353 1.655 401

12.154 9.805 9.222 583 390 1.427 425

12.162 10.134 9.539 595 456 1.016 448

12.837 10.734 10.018 715 597 943 408

13.332 11.106 10.365 740 671 950 441

13.516 11.550 10.823 727 226 1.144 427

13.610 11.403 10.680 723 324 1.297 402

13.794 11.722 10.963 759 304 1.162 402

14.111 11.973 11.105 868 421 1.111 391

2 -

2 -

2 -

2 1

2 146

6 139

6 180

6 138

6 103

6 102

6 102

6 150

6 159

6 164

6 179

6 197

6 209


1.232 990 884 194 375 315 106 21 85 56 13 133 133 39 1

1.926 1.668 1.470 192 747 531 198 70 128 50 13 172 172 22 2

2.934 2.649 2.459 258 1.510 691 190 54 137 38 11 202 202 30 3

5.744 4.961 4.655 469 2.835 1.352 306 74 232 0 35 167 120 413 413 45 4

9.051 8.169 7.289 852 4.135 2.301 880 274 605 1 34 209 140 412 412 78 8

9.385 8.464 7.720 947 4.335 2.439 744 164 580 0 34 229 140 411 411 96 11

9.933 8.822 8.094 915 4.718 2.460 728 144 584 34 423 140 413 413 92 9

10.459 9.261 8.558 962 4.984 2.612 703 111 592 34 525 140 413 413 76 10

11.376 10.291 9.477 1.266 5.462 2.749 814 115 699 33 413 140 412 412 78 9

11.443 10.373 9.573 1.464 5.280 2.830 800 108 692 33 372 140 412 412 104 9

11.412 10.207 9.401 1.343 5.210 2.849 805 147 658 33 419 140 412 412 192 9

12.092 10.668 9.845 1.445 5.452 2.947 823 150 673 33 433 140 409 409 390 19

12.548 11.100 10.092 1.357 5.696 3.038 1.009 129 880 33 648 140 409 409 205 13

12.427 11.083 10.359 1.452 5.800 3.107 723 137 587 33 590 142 410 410 159 11

2.417 11.216 10.494 1.395 6.000 3.099 723 124 599 0 33 496 142 407 407 105 16

12.668 11.395 10.621 1.200 6.130 3.291 774 171 603 33 573 142 407 407 100 18

12.971 11.601 10.649 1.099 6.273 3.276 952 325 627 33 662 142 406 406 106 21


524 8 26 (103) 1 -

524 22 80 (90) 1 -

524 33 59 (7) 1 -

626 34 62 38 1 -

628 83 109 26 1 -

628 83 124 26 (1) -

728 99 147 (34) (1) -

728 99 171 (34) (1) -

728 99 194 (34) (1) -

728 99 19 162 (1) -

728 99 38 160 (1) -

728 99 69 160 (1) -

728 99 98 126 (1) -

951 108 126 78 133 -

951 230 123 (43) 133 -

951 230 168 (43) 133 -

951 230 197 (43) 133 -

SWBI (BUS & UUS) Total Asset

Ags

Sep

Okt

Nov

Des

Apr

Mei

Ags

291

281

542

1.623

540

415

369

447

1.094

-

-

-

449

-

538

439

360

1.721

2.500

3.571

6.579

9.981

10.338

10.972

11.525

12.527

12.558

12.527

13.235

13.692

13.914

13.959

14.213

14.521

2 55

2 84

2 113

2 189

3 233

3 235

3 240

3 245

3 263

3 265

3 271

3 273

3 281

3 283

3 288

3 290

3 295

Jaringan Kantor Jumlah Bank Jumlah Kantor *)


79


Miliar Rp

Tabel 2.3 Kegiatan Usaha Unit Usaha Syariah (UUS) Indikator

Des

Des

Des

2000 2001 2002 2003

2005

2004

Des Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

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

71 44 44 12 15 -

241 202 202 6 33 -

623 572 572 14 27 10

1.574 1.233 1.231 2 103 194 44

2.169 1.441 1.416 25 181 353 191

2.339 1.505 1.482 24 217 428 186

2.452 1.599 1.575 24 286 359 206

2.485 1.626 1.601 25 279 360 218

2.649 1.698 1.672 25 366 313 270

2.655 1.700 1.675 25 328 349 276

2.891 1.848 1.724 124 348 411 282

3.010 2.036 1.803 234 349 339 283

3.221 2.165 1.843 321 400 347 306

3.220 2.220 1.901 319 400 292 304

3.327 2.285 1.960 325 463 205 346

3.488 2.443 2.116 327 476 210 331

3.445 2.415 2.182 233 486 194 322

-

-

-

-

2

3

3

3

3

3

3

3

4

4

29

28

28


39 39 39 6 12 21 0 0 -

139 138 138 38 41 59 1 -

294 268 268 48 97 124 21 5 -

947 797 794 97 435 262 3 1 3 115 20 5 5 9 -

1.297 1.180 1.147 101 648 399 32 1 31 78 20 3 3 16 -

1.321 1.212 1.206 115 674 418 5 1 4 71 20 4 4 14 -

1.395 1.278 1.271 140 707 424 7 3 4 60 40 3 3 12 1

1.414 1.298 1.291 108 740 443 7 3 4 76 22 3 3 13 1

1.538 1.428 1.420 155 780 485 8 3 5 71 22 4 4 12 2

1.547 1.431 1.423 131 817 475 8 2 5 77 22 4 4 13 1

1.653 1.478 1.476 135 856 485 2 1 1 132 22 3 3 17 1

1.741 1.541 1.536 131 919 486 6 1 4 157 24 3 3 15 1

1.838 1.608 1.602 135 960 506 6 1 5 188 24 3 3 14 1

1.799 1.607 1.601 124 975 502 6 1 4 150 24 3 3 14 1

1.969 1.702 1.696 184 986 526 6 2 4 220 26 3 3 16 2

2.072 1.843 1.838 176 1.105 557 5 2 4 179 26 3 3 3 16 1

2.142 1.899 1.894 190 1.133 571 5 2 3 195 26 3 3 17 2


(1) (1) -

3 (1) -

(5) (5) -

(17) (15) 0 -

5 (3) -

8 (3) -

7 (3) -

(27) (3) -

2 (27) -

7 (27) -

6 (33) -

(19) (33) -

(20) (33) -

7 (27) (33) -

7 (21) (33) -

7 0 (19) (33) -

291

281

542

1.623

540

415

369

447

1.094

-

-

-

449

-

538

439

360

73

228

515

1.365

2.224

2.384

2.493

2.513

2.684

2.688

2.922

3.036

3.215

3.228

3.352

3.521

3.505

3 7

3 12

6 25

8 45

11 60

12 66

14 69

15 70

15 74

15 75

16 78

16 84

17 90

17 90

17 94

17 95

17 96

SWBI (BUS & UUS) Total Asset Jaringan Kantor Jumlah Bank Jumlah Kantor *)


2 (3) -

-


Miliar Rp

Tabel 2.4 Perkembangan Aset Perbankan Syariah Indikator

Des

Des

Des

2000 2001 2002 2003 Bank Umum Syariah Unit Usaha Syariah

2005

2004

Des Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

1.721

2.500

3.571

6.579

9.981

10.338

10.972

11.525

12.527

12.558

12.527

13.235

13.692

13.914

13.959

14.213

14.521

73

228

515

1.365

2.224

2.384

2.493

2.513

2.684

2.688

2.922

3.036

3.215

3.228

3.351

3.521

3.505

81


Miliar Rp

Tabel 2.5 Aktiva Produktif Perbankan Syariah Indikator

Des

Des

Des

2000 2001 2002 2003 Pembiayaan a. Lancar b. Dalam Perhatian Khusus c. Kurang Lancar d. Diragukan e. Macet

2005

2004

Des Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

1.271 1.051 55 74 55 36

2.050 1.843 124 54 7 21

3.277 3.022 119 51 30 53

5.530 5.149 252 58 16 56

9.542 8.884 383 120 69 86

10.131 9.473 379 125 68 86

10.683 9.908 492 124 72 88

10.979 10.205 462 144 65 102

11.324 10.650 405 122 66 81

11.504 10.628 546 145 57 128

11.981 11.040 554 185 73 129

12.770 11.951 462 147 81 130

13.270 12.427 399 208 79 157

13.770 12.710 583 252 74 150

13.697 12.542 612 286 101 156

14.181 13.064 540 307 100 171

14.414 13.182 614 312 111 195

Non Performing Loan (Nominal)

165

82

135

130

275

279

283

312

269

330

387

358

444

477

543

578

618

Rasio Non Performing Loan (%)

12,96

4,01

4,12

2,34

2,88

2,75

2,65

2,84

2,37

2,87

3,23

2,80

3,34

3,46

3,96

4,07

4,29


Miliar Rp

Tabel 2.6 Rincian Pembiayaan Perbankan Syariah Indikator

Des

Des

Des

2000 2001 2002 2003 Dalam Rangka Pembiayaan Bersama Dalam Rangka Restrukturisasi Pembiayaan Penyaluran Pembiayaan Melalui Lembaga Lain Pembiayaan Musyarakah Pembiayaan Mudharabah Piutang Murabahah Piutang Salam Piutang Istishna’ Lainnya Total

2005

2004

Des Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

4 2

1

27 1

27 -

139

238

190

195

280

175

175

188

309

322

356

345

184

1

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

32 379 776 75 4

54 403 1.420 168 4

60 499 2.324 221 145

306 794 3.956 296 151

1.014 1.655 6.214 301 219

1.118 1.702 6.628 308 137

1.146 1.884 7.012 309 142

1.195 1.907 7.276 311 95

1.165 1.961 7.478 313 128

1.182 2.099 7.600 311 137

1.331 2.225 7.793 310 148

1.450 2.362 8.300 299 171

1.465 2.505 8.532 296 164

1.432 2.732 8.743 301 132

1.541 2.732 9.046 304 168

1.732 2.874 9.051 303 270

1.271

2.050

3.277

5.530

9.542

10.131

10.683

10.979

11.324

11.504

11.981

12.770

13.270

1.503 2.618 8.867 299 161 13.770

13.697

14.181

14.414

83


Miliar Rp

Tabel 2.7 Jaringan Kantor Perbankan Syariah Indikator

Des

Des

Des

2004

Des

2000 2001 2002 2003

Ags

Sep

Okt

2005 Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Bank Umum Syariah (BUS) Jumlah Bank

2

2

2

2

3

3

3

3

3

3

3

3

3

3

3

3

3

55

84

113

189

233

235

240

245

263

265

271

273

281

283

288

290

295

Jumlah Bank

3

3

6

8

11

12

14

15

15

15

16

16

17

17

17

17

17

Jumlah Kantor

7

12

25

45

60

66

69

70

74

75

78

84

90

90

94

95

96

Jumlah Kantor Unit Usaha Syariah (UUS)


Tabel 2.8 Jaringan Kantor Perbankan Syariah Berdasarkan Wilayah (Posisi Agustus 2005) Bank Umum Syariah

Lokasi KP DI Aceh Sumatera Utara Sumatera Barat Sumatera Selatan Jambi Bengkulu Riau Lampung DKI Jakarta Jawa Barat Jawa Tengah DI Yogyakarta Jawa Timur Bali Kalimantan Barat Kalimantan Tengah Kalimantan Timur Kalimantan Selatan Sulawesi Utara Sulawesi Tengah Sulawesi Tenggara Sulawesi Selatan Maluku NTB NTT Irian Jaya Jumlah

KPO/KC

KCP

UPS

Unit Usaha Syariah KK

Total

UUS

KC

KCP

UPS

KK

Total

3 -

3 8 4 2 2 1 4 2 20 9 7 2 10 2 2 1 5 2 2 2 1 3 1 2 2

6 3 2 3 1 20 8 3 6 1 1 2 1 -

1 1 1 1 1 1 1 -

9 5 2 4 1 55 16 14 2 10 1 4 3 8 2 -

3 24 12 7 2 1 12 4 98 33 25 4 26 2 4 1 11 7 2 3 2 12 1 4 2

1 1 1 11 1 1 1 -

3 4 4 2 3 16 11 5 3 8 1 4 4 1 -

1 1 21 2 2 3 1 -

-

1 -

4 6 4 3 4 49 14 7 6 9 1 5 4 2 -

3

99

57

7

136

302

17

69

31

-

1

118

85

DATA BPR


Miliar Rp

Tabel 3.1 Kegiatan Usaha Bank Perkreditan Rakyat Des

Des

Des

2000

2001

2002

3.619

4.860

718

1.084

Deposito

1.891

Tabungan

1.190

b. Antar Bank Pasiva c. Pinjaman yang Diterima

Indikator

2003 Jun

Sep

6.683

7.739

8.624

1.595

1.898

2.371

2.706

4.124

5.051

1.574

2.002

2.114

362

426

552

220

310

452

-

56

a. Modal Disetor

705

b. Cadangan

151

2004 Des

2005

Mar

Jun

Sep

Des

Mar

Jun*

8.985

9.495

10.486

11.639

12.149

12.830

13.796

2.853

2.801

2.684

2.885

2.996

2.912

2.833

5.852

6.151

6.640

7.053

7.572

7.860

8.215

8.769

2.418

2.617

2.669

2.893

3.223

3.301

3.368

3.464

678

778

925

903

1.015

1.156

1.257

1.302

1.529

282

258

266

240

249

347

397

386

364

64

76

87

84

88

89

96

96

107

105

936

1.174

1.299

1.389

1.456

1.480

1.557

1.675

1.764

1.829

1.729

182

197

249

270

263

335

355

358

353

470

484

c. L/R Tahun Berjalan

116

223

338

210

333

429

143

297

466

539

187

355

d. L/R Tahun Lalu

-116

-102

-30

62

28

20

171

98

86

72

346

241

Penyaluran Dana a. Kredit b. Antar Bank Aktiva Sumber Dana a. DPK

d. Kewajiban Segera Beberapa Komponen Modal

Ket : * tidak termasuk data BPRS


Miliar Rp

Tabel 3.2 Kinerja Bank Perkreditan Rakyat

LDR(%)

Des

Des

Des

2000

2001

2002

2005

2004

2003 Jun

Sep

Des

Mar

Jun

Sep

Des

Mar

Jun*

74,50

76,60

78,66

79,50

80,73

81,38

83,67

85,78

80,87

70,00

78,99

77,31

Total Kredit

3.619

4.860

6.682

7.739

8.624

8.985

9.495

10.486

11.639

12.149

12.830

13.796

Penghimpunan Dana

3.664

5.016

7.130

8.125

9.306

10.059

10.450

11.212

12.298

12.815

13.271

14.126

555

993

1.550

1.672

1.849

2.002

1.946

2.119

2.343

2.233

2.494

2.362

15,97

11,83

8,65

8,58

8,37

7,96

8,15

7,87

7,96

7,59

7,81

7,76

578

575

578

664

722

715

774

825

927

923

1.002

1.070

3.619

4.860

6.682

7.739

8.624

8.985

9.495

10.486

11.639

12.149

12.830

13.796

2,45

3,44

3,72

2,01

2,83

3,40

1,06

2,05

2,91

3,22

1,08

1,93

116

223

338

210

333

429

143

297

466

539

187

355

4.731

6.474

9.080

10.428

11.759

12.635

13.502

14.487

16.015

16.707

17.302

18.408 16,04

Modal Inti NPL(%) Kredit Non Lancar Total Kredit ROA(%) L/R Tahun Berjalan Total Aktiva ROE(%)

13,55

19,95

24,65

13,57

20,07

24,97

7,86

15,56

22,92

25,44

8,13

L/R Tahun Berjalan

116

223

338

210

333

429

143

297

466

539

187

355

Modal Disetor

705

936

1.174

1.299

1.389

1.456

1.480

1.557

1.675

1.764

1.829

1.729

Cadangan Umum

151

182

197

249

270

263

335

355

358

353

470

484

Ket : * tidak termasuk data BPRS

89


Miliar Rp

Tabel 3.3 Perkembangan Aset BPR Berdasarkan Lokasi 2003

2005

2004

Des

Des

Des

2000

2001

2002

Jawa Barat (termasuk Banten) DKI Jakarta D.I. Yogyakarta Jawa Tengah Jawa Timur Bengkulu Jambi Nanggroe Aceh Darussalam Sumatera Utara Sumatera Barat Riau (termasuk Bangka Belitung) Sumatera Selatan Lampung Kalimantan Selatan Kalimantan Barat Kalimantan Timur Kalimantan Tengah Sulawesi Tengah Sulawesi Selatan *) Sulawesi Utara (termasuk Gorontalo) Sulawesi Tenggara Nusa Tenggara Barat Bali Nusa Tenggara Timur Maluku Papua Maluku Utara

1.081 22 161 1.104 905 5 5 30 86 73 52 32 415 29 37 14 1 8 31 36 75 491 13 14 14 -

1.331 22 231 1.647 1.239 6 6 33 85 119 67 45 686 41 50 16 1 11 37 49 105 609 6 14 19 -

1.839 59 404 2.406 1.630 9 11 52 129 179 116 58 1.090 39 98 22 1 16 22 62 128 622 9 37 43 -

2.177 67 517 2.766 1.853 10 9 50 148 182 81 69 1.241 49 107 23 1 19 44 72 148 688 14 42 50 -

2.462 64 574 3.149 2.108 8 9 51 194 205 89 76 1.419 51 115 23 1 19 45 78 168 742 12 42 57 -

2.470 67 642 3.420 2.189 9 9 49 218 257 122 90 1.622 65 116 36 1 23 50 84 174 788 12 58 61 -

2.810 69 694 3.472 2.252 13 9 65 157 284 181 94 1.821 54 124 3 41 4 52 88 186 824 12 72 119 -

3.032 69 880 3.606 2.361 14 9 64 158 307 236 111 2.023 57 131 4 1 35 63 91 6 200 842 13 70 104 -

3.363 80 829 4.073 2.459 15 24 66 265 339 273 114 2.296 67 131 42 1 38 73 97 7 216 923 13 74 135 -

3.567 97 902 4.010 2.526 16 26 59 341 456 307 121 2.360 82 139 8 1 45 75 102 9 228 989 14 79 145 -

3.719 120 936 4.157 2.526 17 28 57 356 467 323 128 2.507 73 144 6 1 45 78 105 11 229 1.038 17 92 119 0

3.884 159 971 4.576 2.638 15 45 36 323 354 359 124 2.777 91 147 53 1 39 67 111 13 241 1.136 17 86 146 -

Total

4.731

6.474

9.080

10.428

11.759

12.635

13.502

14.487

16.015

16.707

17.302

18.408

Lokasi

ket : *) Sampai Maret 2004 termasuk Kendari * tidak termasuk data BPRS

Jun

Sep

Des

Mar

Jun

Sep

Des

Mar

Jun*


Miliar Rp

Tabel 3.4 Non Performing Loan Bank Perkreditan Rakyat Des

Des

Des

2000

2001

2002

2003 Jun

Sep

2005

2004 Des

Mar

Jun

Sep

Des

Mar

Jun*

3.619 3.041 122 142 314

4.860 4.285 157 157 261

6.682 6.104 222 197 159

7.739 7075 249 241 174

8.624 7.902 261 266 195

8.985 8.270 263 278 174

9.495 8.721 285 298 191

10.486 9.661 305 324 196

11.639 10.712 324 360 243

12.149 11.226 322 373 228

12.830 11.828 365 404 233

13.796 12.726 383 431 256

Non Performing Loan (Nominal)

578

575

578

664

722

715

774

825

927

923

1.002

1.070

Rasio Non Performing Loan (%)

15,97

11,83

8,65

8,58

8,37

7,96

8,15

7,87

7,96

7,59

7,81

7,76

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

ket : * tidak termasuk data BPRS

91


Miliar Rp

Tabel 3.5 Non Performing Loan BPR Berdasarkan Lokasi Lokasi

Des

Des

Des

2000

2001

2002

Jawa Barat (termasuk Banten) DKI Jakarta D.I. Yogyakarta Jawa Tengah Jawa Timur Bengkulu Jambi Nanggroe Aceh Darussalam Sumatera Utara Sumatera Barat Riau (termasuk Bangka Belitung) Sumatera Selatan Lampung Kalimantan Selatan Kalimantan Barat Kalimantan Timur Kalimantan Tengah Sulawesi Tengah Sulawesi Selatan *) Sulawesi Utara (termasuk Gorontalo) Sulawesi Tenggara Nusa Tenggara Barat Bali Nusa Tenggara Timur Maluku Papua Maluku Utara

211 9 12 98 76 2 15 6 2 2 11 2 3 4 4 5 10 102 1 2 1 -

Total

578

ket : *) Sampai Maret 2004 termasuk Kendari * tidak termasuk data BPRS

2003 Jun

Sep

2005

2004 Des

Mar

Jun

Sep

Des

Mar

Jun*

12 105 2 1 -

155 3 17 170 117 1 3 6 11 3 2 16 2 4 4 3 5 14 39 1 1 -

185 4 18 204 123 1 5 9 13 5 2 19 3 4 4 1 3 6 19 34 1 1 -

190 4 24 218 148 3 12 15 4 1 18 3 4 4 1 4 5 22 39 1 1 2 -

191 4 25 223 137 1 3 10 16 5 2 20 3 4 4 1 4 6 18 37 1 1 -

225 4 28 227 148 1 5 9 20 7 2 15 2 5 5 7 18 42 1 2 -

231 5 45 257 142 7 9 19 8 2 15 2 6 5 8 18 41 1 3 -

260 4 40 295 150 1 1 6 25 23 9 4 18 2 7 1 5 8 19 45 2 2 -

271 4 43 275 150 1 1 5 22 26 8 4 24 3 7 4 8 20 42 1 2 -

289 4 55 294 159 1 1 5 25 29 9 9 22 2 8 6 7 23 47 2 2 -

291 3 63 361 142 1 1 4 25 24 12 9 27 7 8 1 0 0 5 8 0 24 46 2 0 3 -

575

578

664

722

715

775

825

927

923

1.002

1.070

181 9 13 115 79 2 7 8 2 1 14 3 3 4 4 7


Miliar Rp

Tabel 3.6 Komposisi DPK Bank Perkreditan Rakyat Desember 2000 Desember 2001 Desember 2002

Juni 2003

September 2003 Desember 2003

Maret 2004

Juni 2004

September 2004 Desember 2004

Maret 2005

Juni 2005*

Komposisi Komposisi Komposisi Komposisi Komposisi Komposisi Komposisi Komposisi Komposisi Komposisi Komposisi Komposisi Nominal thd Total Nominal thd Total Nominal thd Total Nominal thd Total Nominal thd Total Nominal thd Total Nominal thd Total Nominal thd Total Nominal thd Total Nominal thd Total Nominal thd Total Nominal thd Total DPK (%) DPK (%) DPK (%) DPK (%) DPK (%) DPK (%) DPK (%) DPK (%) DPK (%) DPK (%) DPK (%) DPK (%) Deposito

1.892

61,39 2.706

63,23 4.124

67,33

Tabungan

1.190

38,61 1.574

36,77 2.002

Total DPK

3.082

100 4.279

100 6.126


5.051

70,50

5.852

70,76

32,67

2.114

100

7.165

6.151

70,15 6.640

71,33

29,50

2.418

100

8.270

7.053

70,91 7.572

70,14 7.860

70,42

8.215

70,92

8.769 71,68

29,24

2.617

29,85 2.669

100

8.768

100 9.308

28,67

2.893

29,09 3.223

29,86 3.301

29,58

3.368

29,08

3.464 28,32

100

9.946

100 10.795

100 11.161

100 11.583

100 12.233

100

93


Tabel 3.7 Penghimpunan DPK BPR Berdasarkan Lokasi (Juni 2005)* Lokasi

Tabungan

Deposito

Total DPK

Milyar Rp

Pangsa Thd Total DPK (%)

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

490 10 195 1.196 480 3 8 18 79 133 95 39 240 16 50 14 1 5 20 19 5 55 273 4 5 9 0

2.253 86 485 2.054 1.171 4 19 4 149 112 136 55 1.398 38 60 25 0 19 17 44 6 73 462 1 53 46 0

2.253 86 485 2.054 1.171 4 19 4 149 112 136 55 1.398 38 60 25 0 19 17 44 6 73 462 1 53 46 0

25,69 0,98 5,53 23,42 13,35 0,04 0,21 0,04 1,70 1,28 1,55 0,63 15,95 0,43 0,68 0,29 0,00 0,21 0,20 0,50 0,07 0,83 5,27 0,02 0,60 0,53 0,00

Total

3.464

8.769

8.769

100



Miliar Rp

Tabel 3.8 Penghimpunan DPK BPR Berdasarkan Lokasi Penghimpunan Lokasi

Des

Des

Des

2000

2001

2002

Jawa Barat (termasuk Banten) DKI Jakarta D.I. Yogyakarta Jawa Tengah Jawa Timur Bengkulu Jambi Nanggroe Aceh Darussalam Sumatera Utara Sumatera Barat Riau (termasuk Bangka Belitung) Sumatera Selatan Lampung Kalimantan Selatan Kalimantan Barat Kalimantan Timur Kalimantan Tengah Sulawesi Tengah Sulawesi Selatan *) Sulawesi Utara (termasuk Gorontalo) Sulawesi Tenggara Nusa Tenggara Barat Bali Nusa Tenggara Timur Maluku Papua Maluku Utara Total ket : *) Sampai Maret 2004 termasuk Kendari * tidak termasuk data BPRS

2003 Jun

Sep

2005

2004 Des

Mar

Jun

Sep

Des

Mar

Juni*

664 10 110 759 589 2 3 13 58 47 36 19 296 16 25 9 0 4 18 21 37 325 10 6 7 -

833 10 159 1.132 775 3 4 15 59 74 51 32 551 23 33 10 0 6 20 24 50 392 3 5 15 -

1.251 37 292 1.684 1.051 4 8 24 82 119 98 43 731 22 77 16 0 12 11 29 63 405 5 27 36 -

1.491 43 384 1.988 1.126 4 6 26 100 121 59 54 957 28 78 16 0 14 23 37 72 456 9 31 42 -

1.725 30 419 2.292 1.400 4 6 27 135 143 63 56 1.098 28 84 17 0 12 23 41 82 500 6 31 47 -

1.736 32 466 2.496 1.425 5 6 28 155 178 72 68 1.230 40 84 28 0 16 26 48 89 537 5 44 53 -

2.010 33 505 2.546 1.487 6 6 38 109 199 64 72 1.192 34 93 2 32 3 29 52 99 591 5 55 46 -

2.161 32 633 2.619 1.558 7 6 38 114 219 119 85 1.296 35 99 2 1 25 32 54 3 108 587 4 53 56 -

2.370 39 587 2.926 1.600 7 14 38 203 239 150 86 1.406 35 97 32 1 26 34 57 5 115 617 4 52 53 -

2.516 51 627 2.843 1.633 8 15 36 258 315 177 90 1.417 44 103 6 1 30 37 56 7 122 651 4 56 58 -

2.639 70 653 2.966 1.605 8 17 38 265 320 196 95 1.478 41 111 5 1 29 41 57 10 121 685 6 66 60 -

2.743 95 680 3.250 1.651 7 27 22 228 245 231 94 1.639 54 110 39 1 24 37 63 11 128 735 5 58 55 -

3.082

4.279

6.126

7.165

8.270

8.868

9.308

9.947

10.795

11.161

11.583

12.232

95


Tabel 3.9 Perkembangan Jumlah Bank Perkreditan Rakyat Des

Des

Des

2000

2001

2002

2003 Jun

Sep

2005

2004 Des

Mar

Jun

Sep

Des

Mar

Jun*

Jumlah BPR

2.419

2.355

2.141

2.130

2.134

2.141

2.148

2.157

2.164

2.158

2.164

2.062

Jumlah Kantor

2.482

2.432

2.747

3.285

3.291

3.299

3.308

3.442

3.454

3.507

3.154

3.084

Ket: * tidak termasuk data BPRS


Tabel 3.10 Perkembangan Jumlah BPR dan Kantor BPR Berdasarkan Lokasi (Posisi Juni 2005) Lokasi Jawa Barat (termasuk Banten) DKI Jakarta D.I. Yogyakarta Jawa Tengah Jawa Timur Bengkulu Jambi Nanggroe Aceh Darussalam Sumatera Utara Sumatera Barat Riau (termasuk Bangka Belitung) Sumatera Selatan Lampung Kalimantan Selatan Kalimantan Barat Kalimantan Timur Kalimantan Tengah Sulawesi Tengah Sulawesi Selatan Sulawesi Utara (termasuk Gorontalo) Sulawesi Tenggara Nusa Tenggara Barat Bali Nusa Tenggara Timur Maluku Papua Maluku Utara Jumlah Ket: tidak termasuk data BPRS

BPR KP

Total

KC

KPK

525 19 63 566 340 3 5 15 53 101 19 13 27 24 10 6 1 4 21 24 6 63 142 4 2 5 1

44 1 0 69 78 2 2 0 11 0 1 2 10 0 0 0 0 0 0 2 0 3 9 0 0 1 0

43 0 44 380 210 2 1 1 8 28 5 1 8 2 3 0 0 1 11 9 0 0 29 0 0 1 0

612 20 107 1.015 628 7 8 16 72 129 25 16 45 26 13 6 1 5 32 35 6 66 180 4 2 7 1

2.062

235

787

3.084

97

DATA PERKREDITAN


Miliar Rp

Tabel 4.1 Kredit Bank Umum Berdasarkan Sektor Ekonomi Sektor Ekonomi 1. Pertanian, perburuan dan sarana pertanian 2. Pertambangan 3. Perindustrian

Des

Des Des

2004

Des

2005

2000 2001 2002 2003

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

20.004

21.305

22.691

24.573

27.286

31.030

32.130

31.807

33.140

32.865

33.347

33.823

34.301

34.187

34.241

33.851

35.237

5.257

3.064

3.901

5.122

6.546

6.586

6.614

6.934

7.819

8.788

8.783

9.041

8.800

8.919

9.287

8.782

8.607

110.508 118.657 122.657 123.810 139.253 136.335 137.773 138.743 144.917 141.758 145.623 147.765

147.361 154.335 155.292 159.691 168.670


5.092

5.062

4.352

4.475

5.823

5.695

5.694

5.678

5.986

5.492

3.700

3.497

5.396

5.421

5.307

5.090

5.458

5. Konstruksi

7.194

8.228

9.376

12.543

17.632

18.106

18.861

19.221

19.972

19.767

20.559

22.350

23.146

23.727

25.669

26.289

26.846

46.236

49.297

66.275

85.112

99.735 105.535 107.880 108.575 113.073 109.837 112.273 115.815

7.332

7.601

12.585

16.385

18.486

17.028

16.874

16.960

17.665

17.655

18.556

18.508

17.605

18.411

18.521

18.776

19.680

26.543

27.744

31.786

44.953

53.921

52.489

53.161

53.187

56.357

55.859

56.643

58.321

60.861

62.809

63.309

65.492

67.593

2.944

3.556

4.570

10.923

8.180

7.780

7.874

8.155

8.047

7.893

8.077

8.157

8.554

9.192

9.067

9.232

9.710

51.987

71.543

6. Perdagangan, restoran dan hotel 7. Pengangkutan, pergudangan dan komunikasi 8. Jasa Dunia usaha 9. Jasa sosial/masyarakat 10. Lain-lain Total

92.864 112.609 133.758 137.941 143.975 147.685 152.495 155.682 159.090 165.234

118.330 123.260 125.342 127.146 130.260

169.950 175.538 183.027 188.175 194.450

283.097 316.059 371.058 440.505 510.621 518.527 530.835 536.944 559.470 555.596 566.650 582.510 594.304 615.800 629.062 642.525 666.511


Miliar Rp

Tabel 4.2 Kredit Bank Persero Berdasarkan Sektor Ekonomi Sektor Ekonomi

Des

Des Des

2004

Des

2005

2000 2001 2002 2003 Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

11.261

12.166

13.799

15.344

15.610

19.433

20.449

20.309

20.984

20.550

20.917

21.106

21.349

21.308

21.175

20.759

21.467

2. Pertambangan

1.580

1.928

2.097

3.027

3.706

3.524

3.694

3.948

4.471

4.379

4.289

4.423

4.600

4.434

4.516

3.806

3.720

3. Perindustrian

35.787

40.662

49.270

50.498

62.493

57.070

57.697

58.029

60.489

58.996

62.154

61.949

59.928

61.053

62.686

63.130

65.879


3 580

3.017

2.663

2.466

3.837

3.693

3.675

3.653

3.868

3.710

1.886

1.863

3.752

3.757

3.760

3.761

4.097

5. Konstruksi

3.791

4.804

4.587

6.079

7.783

8.017

8.185

8.448

9.126

9.334

9.616

10.659

11.023

11.297

12.521

12.691

12.981

16.860

18.191

24.416

31.780

40.431

44.863

45.169

45.191

46.868

45.026

45.528

46.818

47.986

49.445

49.264

50.007

50.573

3.449

2.520

5.732

6.601

6.366

5.829

5.738

5.939

6.114

6.077

6.519

5.984

5.858

5.937

5.837

5.779

5.899

8. Jasa Dunia usaha

6.150

5.818

7.293

9.285

10.540

9.497

9.708

9.954

10.537

10.431

10.746

11.121

11.358

11.131

10.818

11.437

11.085


1.154

975

973

7.016

3.314

2.552

2.685

2.671

2.424

2.329

2.302

2.503

2.861

3.253

2.769

2.836

2.883

24.502

31.414

39.801

45.042

50.061

51.432

53.642

55.132

57.973

58.831

60.104

62.578

63.801

65.715

68.335

68.528

69.773


6. Perdagangan, restoran dan hotel 7. Pengangkutan, pergudangan dan komunikasi

10. Lain-lain Total

108.115 121.496 150.632 177.137 204.141 205.910 210.640 213.273 222.855 219.663 224.061 229.003 232.515 237.331 241.680 242.734 248.357

101


Miliar Rp

Tabel 4.3 Kredit BUSN Devisa Berdasarkan Sektor Ekonomi Sektor Ekonomi 1. Pertanian, perburuan dan sarana pertanian 2. Pertambangan

Des

Des Des

2004

Des

2000 2001 2002 2003 Ags 4.726

5.696

5.896

6.166

7.995

Sep 7.966

2005

Okt

Nov

Des

Jan

Feb

Mar

Apr

8.013

7.861

8.053

8.104

8.100

8.215

2.165

2.332

2.513

2.705

2.647

2.609

2.679

43.054 44.681

45.681

46.464

47.023

47.931

50.682

8.606

Mei

Jun

Jul

Ags

8.447

8.245

8.141

8.505

492

376

1.088

1.364

2.225

2.151

1.979

2.043

2.231

2.347

22.699

28.587

33.310

36.447

38.960

40.520

40.663

41.094

43.999

42.800


1.359

1.754

1.411

1.539

1.536

1.568

1.582

1.588

1.630

1.299

1.334

1.192

1.190

1.193

1.230

1.231

1.279

5. Konstruksi

2.094

2.019

2.962

4.166

5.945

6.346

6.757

6.976

7.503

7.467

7.778

8.382

8.574

9.057

9.129

9.180

9.156

21.626

22.107

31.342

41.819

46.551

47.810

49.776

50.250

52.831

51.553

53.230 54.643

2.589

3.901

5.729

8.541

9.418

9.293

9.383

9.512

9.420

9.473

10.680

12.746

16.603

22.898

25.747

26.746

26.660

26.548

27.965

27.635

839

1.401

2.129

2.218

2.999

3.201

3.223

3.345

3.488

3.460

9.952

16.994

25.432

34.802

44.545

45.891

48.419

50.424

52.057

53.481

3. Perindustrian


77.058

55.973

58.714

60.614

59.318

61.001

9.973

9.274

9.966

10.103

9.887

10.285

28.365 29.086

30.879

32.443

32.311

30.177

31.437

3.721

3.924

4.093

4.374

4.454

4.826

55.003 57.754

60.933

63.450

65.692

68.974

72.755

9.836

3.745

95.580 125.901 159.959 185.921 191.492 196.456 199.640 209.176 207.617 212.609 219.980 227.547 236.531 241.367 241.901 252.605


Miliar Rp

Tabel 4.4 Kredit BUSN Non Devisa Berdasarkan Sektor Ekonomi Sektor Ekonomi

Des

Des Des

2004

Des

2000 2001 2002 2003 Ags 1. Pertanian, perburuan dan sarana pertanian 2. Pertambangan 3. Perindustrian 4. Listrik, gas dan air

Sep

Okt

2005 Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

571

588

676

692

710

757

687

658

644

657

710

700

713

756

770

762

778

43

17

17

37

31

30

32

32

37

37

41

45

44

44

47

47

31

1.965

1.016

1.123

1.144

1.128

1.174

1.202

1.182

1.206

1.255

1.150

1.127

1.140

1.197

1.212

1.216

1.211

6

3

2

3

4

4

4

4

4

4

4

4

5

5

4

5

5

163

200

210

293

336

325

319

331

315

312

300

322

346

343

338

312

243

1.589

1.923

2.553

3.460

2.929

2.984

2.935

2.981

2.969

3.019

2.925

2.999

3.029

3.126

3.128

3.159

3.174


405

381

364

565

644

615

596

467

439

460

424

550

556

576

593

629

633

8. Jasa Dunia usaha

714

626

838

1.504

1.627

1.724

1.653

1.674

1.841

1.841

1.816

1.725

1.759

1.821

1.898

1.943

1.950


235

329

327

483

491

498

497

503

524

505

493

497

515

527

555

549

522

4.905

4.665

5.463

6.346

7.177

7.286

7.584

7.132

7.123

7.110

7.094

7.151

7.273

7.215

7.360

7.486

7.645

10.596

9.748

11.574

14.526

15.078

15.396

15.510

14.964

15.101

15.201

14.956 15.118

15.381

15.610

15.907

16.109

16.192

5. Konstruksi 6. Perdagangan, restoran dan hotel

10. Lain-lain Total

103


Miliar Rp

Tabel 4.5 Kredit BPD Berdasarkan Sektor Ekonomi Sektor Ekonomi

Des

Des Des

2000 2001 2002 2003 1. Pertanian, perburuan dan sarana pertanian

2004

Des Ags

Sep

2005

Okt

Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

527

536

971

1.055

1.263

1.256

1.329

1.326

1.324

1.333

1.387

1.412

1.263

1.289

1.520

1.525

1.554

2. Pertambangan

13

21

19

20

28

30

32

32

33

33

36

36

37

48

41

55

53

3. Perindustrian

249

257

325

333

387

386

388

396

400

415

416

439

360

436

504

466

470

3

2

4

25

14

11

9

9

8

8

9

10

10

9

8

9

10

540

731

1.012

1.502

2.555

2.599

2.690

2.607

2.148

1.928

1.975

2.044

1.864

1.951

2.256

2.455

2.771

1.182

2.108

3.693

4.405

5.850

5.992

6.152

6.266

6.293

6.362

6.503

6.684

6.820

6.932

7.272

7.420

7.468

4. Listrik, gas dan air 5. Konstruksi 6. Perdagangan, restoran dan hotel 7. Pengangkutan, pergudangan dan komunikasi

110

135

250

237

304

293

282

290

286

279

280

318

309

315

356

345

349

8. Jasa Dunia usaha

397

239

686

2.212

1.951

1.984

1.930

1.888

1.964

1.942

1.894

1.867

1.778

1.700

1.759

1.754

1.761


188

279

589

742

720

750

805

877

846

845

767

807

747

763

807

801

855

6.876

11.090

13.950

17.818

22.077

22.642

23.298

23.533

23.929

24.294

24.780 25.351

25.089

25.805

27.488

27.877

28.270

10.085

15.396

21.498

28.348

35.148

35.944

36.917

37.223

37.232

37.440

38.049 38.966

38.277

39.247

42.012

42.708

43.561

10. Lain-lain Total


Miliar Rp

Tabel 4.6 Kredit Bank Campuran Berdasarkan Sektor Ekonomi Sektor Ekonomi

Des

Des Des

2000 2001 2002 2003 Ags 1. Pertanian, perburuan dan sarana pertanian 2. Pertambangan 3. Perindustrian

2005

2004

Des Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

2.097

1.470

888

924

828

775

841

885

1.163

1.271

1.198

1.219

1.323

1.304

1.352

1.559

1.570

453

309

156

242

282

494

526

436

358

288

328

326

314

292

379

569

570

19.280 19.463

21.305

20.563

17.675

17.079

18.577

18.509

18.601

18.772

18.977

19.145

20.139

19.674

19.542

20.925

21.725


103

125

85

58

178

178

183

187

236

232

221

210

227

224

211

40

48

5. Konstruksi

522

379

428

265

491

393

470

440

538

473

580

606

680

750

760

1.016

1.051

2.677

2.489

2.359

2.182

2.433

2.282

2.338

2.422

2.558

2.455

2.749

2.920

2.855

3.061

3.369

4.824

5.590


231

183

151

242

711

425

422

413

560

538

626

651

665

695

696

1.134

1.335

1.876

2.530

2.400

2.763

3.752

3.927

4.266

4.491

4.923

4.759

4.776

5.260

5.312

5.903

6.406

9.382

10.179

196

141

237

215

360

351

348

345

347

339

342

345

348

326

329

357

352

916

972

733

1.004

1.174

1.129

1.172

1.259

1.253

1.278

1.286

1.390

1.420

1.568

1.591

2.258

2.532

30.376

29.162

25.111

24.975

28.785

28.464

29.167

29.649

30.914

30.777

31.385 32.389

33.283

33.796

34.636

42.064

44.953

105


Miliar Rp

Tabel 4.7 Kredit Bank Asing Berdasarkan Sektor Ekonomi Sektor Ekonomi

Des

Des Des

2004

Des


Sep

Okt

2005 Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

820

850

460

393

882

844

811

767

972

950

1.035

1.172

1.048

1.084

1.178

1.106

1.362

2. Pertambangan

2.676

414

524

433

274

357

351

444

688

1.704

1.925

1.879

1.291

1.396

1.657

1.696

1.553

3. Perindustrian

28.503

27.572

20.954

18.309

17.707

18.676

19.221

19.270

19.846

19.146

19.568 20.106

20.113

25.511

24.325

26.024

28.702

42

160

187

385

255

241

241

238

240

239

212

233

94

43

19

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

246

219

83

95

177

237

521

427

440

420

341

253

310

338

660

330

666

636

644

2.301

2.478

1.913

1.467

1.540

1.604

1.509

1.464

1.554

1.423

1.338

1.751

1.666

1.983

1.695

2.417

2.453

547

481

360

200

1.043

573

454

339

846

829

871

1.032

944

922

936

1.002

1.179

6.725

5.787

3.965

6.290

10.304

8.612

8.944

8.632

9.128

9.251

9.047

9.263

9.775

9.812

10.117

10.799

11.182

429

333

431

315

250

297

427

316

414

418

415

285

160

231

232

234

273

4.836

6.409

7.485

7.597

8.724

9.561

9.858

10.205

10.159

10.688

10.822 11.010

11.434

11.785

12.560

13.051

13.476

46.867

44.677

36.341

35.560

41.547

41.322

42.145

42.194

44.193

44.898

45.590 47.054

47.303

53.285

53.460

57.008

60.844


Miliar Rp

Tabel 4.8 Kredit Bank Umum Berdasarkan Jenis Penggunaan Jenis Penggunaan

Des

Des Des

2004

Des

2000 2001 2002 2003 Ags

Sep

Okt

Nov

2005 Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags


2.977 1.306 1.977 2.555 3.177 3.269 3.135 3.221 3.655 3.613 3.213 3.185 3.126 3.343 3.518 3.438 3.645 6.263 8.464 9.686 9.260 14.047 12.577 13.116 12.873 12.127 12.125 12.630 12.302 12.042 12.162 11.959 11.822 11.698 164.788 171.833 194.983 221.698 247.219 253.253 257.734 259.964 273.885 267.483 273.620 282.281 287.761 300.485 304.219 310.046 323.713

Total Modal Kerja

174.028 181.604 206.646 233.514 264.442 269.098 273.985 276.057 289.666 283.221 289.463 297.769 302.929 315.991 319.696 325.307 339.056


3.144 8.312 57.350

2.160 10.820 62.862

1.440 9.574 73.410

1.929 3.385 2.683 2.461 2.691 3.074 3.025 3.271 3.309 3.644 3.737 3.755 3.698 3.564 8.805 9.930 8.616 8.620 8.337 8.830 8.734 9.178 8.828 8.972 8.936 9.481 9.460 9.568 85.041 101.088 102.016 103.220 103.677 106.819 106.483 107.247 109.473 110.847 113.219 114.815 117.625 121.548

Total Investasi

68.807

75.842

84.424

95.775 114.403 113.316 114.301 114.705 118.723 118.242 119.697 121.610 123.463 125.892 128.051 130.782 134.680

Konsumsi KPR dan Apartemen s.d Type 70 KPR dan Apartemen > Type 70 Ruko dan Rukan Lainnya

9.374 2.348 667 27.872

8.745 3.369 607 45.878

5.741 5.055 708 68.484

13.072 14.185 14.340 14.583 14.758 15.026 15.026 15.209 15.502 15.893 16.142 16.829 16.887 17.202 7.919 11.727 13.740 14.478 14.911 15.521 15.930 16.418 17.129 17.842 18.626 19.647 20.692 22.786 2.435 3.177 1.884 2.021 2.059 2.121 1.872 1.881 1.877 1.951 2.053 2.197 2.274 2.483 87.048 103.980 106.013 111.428 114.391 118.662 121.297 123.987 128.549 132.125 136.953 142.566 146.374 150.352

Total Konsumsi

40.261

58.598

79.987 111.216 131.776 136.113 142.548 146.181 151.081 154.133 157.491 163.131 167.913 173.917 181.316 186.435 192.775

Total

283.097 316.043 371.058 440.505 510.621 518.527 530.835 536.944 559.470 555.596 566.650 582.510 594.304 615.800 629.062 642.525 666.511

107


Miliar Rp

Tabel 4.9 Kredit Bank Persero Berdasarkan Jenis Penggunaan Jenis Penggunaan

Des

Des Des

2005

2004

Des

2000 2001 2002 2003 Ags

Sep

Okt

Nov


2.029 4.170 48.768

510 6.415 52.659

635 7.736 68.033

768 7.600 75.366

1.146 12.058 84.905

1.436 10.495 87.517

1.403 11.149 88.647

1.452 1.868 10.911 10.368 89.607 94.585

Total Modal Kerja

54.967

59.584

76.404

83.734

98.109

99.448 101.198 101.970 106.820 102.892 105.079 106.505 107.805 110.778 112.252 112.477 115.732


1.458 5.766 28.935

505 7.477 31.385

196 6.842 37.738

472 6.155 43.021

330 7.023 50.499

76 5.758 50.916

77 247 5.727 5.646 51.214 51.512

298 5.789 53.227

377 5.672 53.117

466 5.773 53.911

763 5.681 54.824

769 5.701 55.849

771 5.763 55.728

706 6.319 55.427

722 6.300 56.035

640 6.272 57.251

Total Investasi

36.159

39.367

44.776

49.648

57.851

56.750

57.018

57.405

59.314

59.167

60.150

61.268

62.320

62.261

62.452

63.057

64.164

6.465 190 141 15.749

3.111 303 109 25.930

9.879 234 2.159 31.482

10.055 459 508

10.077 1.939 589 37.158

10.202 1.944 578 37.106

10.283 1.936 615 39.699

10.415 1.947 288 41.065

10.426 1.929 284 44.071

10.488 1.936 263 44.965

10.635 1.991 269 46.144

10.852 2.034 268 48.336

10.848 2.089 308 49.236

11.294 2.225 261 51.048

11.191 2.286 336 53.196

11.309 3.594 304 53.255

Total Konsumsi

7.091 331 197 9.371 53.387 16.990

22.545

29.453

43.755

48.181

49.712

52.424

53.898

56.721

57.604

58.831

61.230

62.390

64.292

66.976

67.200

68.461

Total

108.116 121.496 150.633 177.137 204.141 205.910 210.640 213.273 222.855 219.663 224.061 229.003 232.515 237.331 241.680 242.734 248.357


Des

Jan

Feb

1.875 10.108 90.909

1.323 10.370 93.387

Mar

Apr

Mei

Jun

Jul

Ags

1.360 10.092 95.053

1.394 9.970 96.441

1.448 1.487 1.528 1.610 9.809 9.729 9.549 9.449 99.521 101.035 101.400 104.673


Miliar Rp

Tabel 4.10 Kredit BUSN Devisa Berdasarkan Jenis Penggunaan Jenis Penggunaan

Des

Des Des

2004

Des

2005

2000 2001 2002 2003 Ags

Sep

Okt


483 1.076 47.235

507 1.091 53.075

981 840 69.363

1.400 617 87.209

1.564 734 93.830

1.392 763 97.546

1.323 1.354 1.397 1.348 1.452 1.366 1.266 1.463 1.614 1.376 1.535 745 788 720 751 956 816 816 897 872 912 910 99.591 101.142 107.609 105.163 107.833 112.597 115.963 119.751 121.101 119.175 124.100

Total Modal Kerja

48.794

54.673

71.184

89.225

96.129

99.701 101.659 103.283 109.726 107.261 110.242 114.779 118.045 122.111 123.587 121.462 126.544


1.315 1.474 16.964

1.068 2.121 21.561

685 1.992 26.759

1.090 1.652 33.232

2.802 1.907 40.564

2.356 1.932 41.646

2.128 1.984 42.397

2.161 1.782 42.191

Total Investasi

19.753

24.750

29.436

35.974

45.273

45.933

46.509

46.134


1.771 1.666 321 4.751

1.698 2.696 308 11.454

2.102 4.217 495 18.285

2.580 7.000 902 24.277

3.397 10.423 1.243 29.456

3.529 10.928 1.277 30.123

Total Konsumsi

8.509

16.156

25.099

34.760

44.519

45.857

Total

77.056

Nov

Des

Feb

Mar

Apr

Mei

Jun

Jul

Ags

2.425 1.875 42.834

2.567 2.006 43.054

2.305 1.972 43.861

2.346 1.992 44.796

2.725 2.076 46.304

2.806 1.986 47.587

2.739 2.065 47.014

2.669 2.172 48.765

47.488

47.135

47.627

48.138

49.133

51.105

52.379

51.819

53.607

3.649 3.757 11.644 12.071 1.313 1.333 31.683 33.061

3.892 12.654 1.400 34.016

3.890 13.116 1.409 34.806

4.007 13.570 1.435 35.729

4.151 14.195 1.496 37.221

4.386 14.844 1.601 39.538

4.622 15.537 1.677 41.479

4.773 16.371 1.769 42.489

4.770 17.108 1.814 44.928

4.969 17.836 1.859 47.789

48.289

51.962

53.221

54.740

57.064

60.369

63.315

65.402

68.620

72.454

50.223

2.488 1.818 43.183

Jan

95.579 125.719 159.959 185.921 191.492 196.456 199.640 209.176 207.617 212.609 219.980 227.547 236.531 241.367 241.901 252.605

109


Miliar Rp

Tabel 4.11 Kredit BUSN Non Devisa Berdasarkan Jenis Penggunaan Jenis Penggunaan

Des

Des Des

2004

Des

2000 2001 2002 2003 Ags

Sep

2005

Okt

Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags


61 106 4.113

61 226 3.676

90 386 4.586

133 284 6.028

141 382 5.514

134 410 5.676

119 387 5.519

127 382 5.569

118 344 5.720

117 360 5.794

137 396 5.528

154 368 5.594

156 393 5.675

132 388 5.915

130 392 6.012

125 378 6.038

88 340 6.025

Total Modal Kerja

4.280

3.963

5.062

6.444

6.036

6.220

6.025

6.079

6.181

6.271

6.061

6.116

6.223

6.435

6.534

6.541

6.453


23 19 1.479

30 93 1.235

15 139 973

44 187 1.522

19 230 1.632

19 230 1.657

18 230 1.670

13 231 1.527

13 252 1.549

15 252 1.571

15 252 1.552

15 256 1.598

14 244 1.644

13 258 1.706

11 267 1.753

10 272 1.813

22 279 1.811

Total Investasi

1.521

1.358

1.127

1.752

1.881

1.906

1.918

1.771

1.814

1.837

1.819

1.869

1.902

1.978

2.031

2.095

2.112


183 117 53 4.441

245 227 103 3.851

197 218 28 4.941

233 318 57 5.722

235 440 57 6.429

235 460 56 6.519

238 466 57 6.804

238 470 59 6.347

232 472 62 6.341

230 476 64 6.323

228 488 64 6.296

228 511 64 6.329

227 533 66 6.429

233 563 67 6.334

236 578 72 6.456

237 597 71 6.568

239 621 70 6.697

Total Konsumsi

4.794

4.426

5.384

6.330

7.161

7.269

7.566

7.115

7.106

7.092

7.076

7.133

7.255

7.197

7.342

7.473

7.627

10.595

9.747

11.573

14.526

15.078

15.396

15.510

14.964

15.101

15.201

14.956 15.118

15.381

15.610

15.907

16.109

16.192

Total


Miliar Rp

Tabel 4.12 Kredit BPD Berdasarkan Jenis Penggunaan Jenis Penggunaan

Des

Des Des

2000 2001 2002 2003 Modal Kerja Properti Agrobisnis Lainnya

2004

Des Ags

Sep

2005

Okt

Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

41 134 2.471 11.062 2.646

28 72 3.392

76 81 5.640

75 121 7.293

123 80

108 74 9.644

92 73 9.901

90 72 10.153

68 67 10.211

72 62 9.922

78 63 9.763

80 64 9.911

86 61 10.126

74 63 9.811

66 65 10.004

85 66 10.792

111 66 11.425

3.492

5.797

7.488

9.847

10.083

10.318

10.374

10.057

9.897

10.052

10.270

9.959

10.141

10.923

11.213

11.602


12 179 649

25 171 1.066

30 159 2.007

71 143 2.875

69 106 3.108

68 107 3.101

64 108 3.187

63 110 3.194

37 92 3.166

40 93 3.160

40 93 3.127

41 94 3.257

41 85 3.145

44 85 3.217

43 97 3.504

43 96 3.522

43 99 3.591

Total Investasi

840

1.262

2.196

3.089

3.284

3.276

3.359

3.367

3.295

3.293

3.261

3.392

3.272

3.345

3.645

3.661

3.733


248 15 89 6.246

272 26 53 10.291

279 46 74 13.104

334 85 58 17.294

455 103 74 21.386

456 103 96 21.928

452 105 108 22.574

439 105 112 22.826

445 111 114 23.210

397 112 109 23.631

400 399 113 117 101 109 24.121 24.680

336 109 105 24.495

343 108 116 25.194

428 118 143 26.755

460 118 169 27.086

463 127 121 27.515

Total Konsumsi

6.598

10.642

13.503

17.771

22.017

22.584

23.240

23.482

23.880

24.250

24.736 25.304

25.046

25.761

27.444

27.833

28.226

10.084

15.396

21.496

28.348

35.148

35.944

36.917

37.223

37.232

37.440

38.049 38.966

38.277

39.247

42.012

42.708

43.561

Total Modal Kerja

Total

111


Miliar Rp

Tabel 4.13 Kredit Bank Campuran Berdasarkan Jenis Penggunaan Jenis Penggunaan

Des

Des Des

2004

Des

2000 2001 2002 2003 Ags Modal Kerja Properti Agrobisnis Lainnya

2005

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

139 788 24.387 31.823 25.314

84 624 21.547

103 547 1.869

119 622 19.070

141 779

139 818 22.472

140 753 22.748

139 709 23.433

144 613 23.901

143 686 24.712

167 167 686 655 24.516 25.004

167 652 25.802

170 647 26.667

164 505 27.026

267 553 27.713

244 554 33.594

22.255

2.519

19.812

23.392

23.705

24.325

24.749

25.469

25.345

25.856

26.623

27.486

27.842

28.382

32.643

34.392


326 540 6.762

363 544 5.612

375 471 4.343

144 598 3.418

164 568 3.486

164 497 2.969

173 482 3.015

207 479 2.955

238 788 3.165

167 763 3.223

165 748 3.331

168 744 3.464

168 734 3.474

166 684 3.536

169 678 3.815

164 666 6.334

170 681 7.178

Total Investasi

7.628

6.519

5.189

4.159

4.219

3.630

3.670

3.642

4.191

4.154

4.243

4.375

4.377

4.386

4.662

7.163

8.029


11 15 1 230

8 18 1 345

14 19 543

18 38 949

21 43 1 1.109

21 42 1 1.064

21 47 2 1.102

21 48 2 1.188

22 53 9 1.169

22 56 13 1.187

23 64 13 1.186

24 66 13 1.287

25 66 13 1.316

25 74 28 1.441

25 86 28 1.452

211 255 93 1.699

205 277 81 1.969

Total Konsumsi

257

372

576

1.004

1.174

1.129

1.172

1.259

1.253

1.278

1.286

1.390

1.420

1.568

1.591

2.258

2.532

33.199

29.146

8.284

24.975

28.785

28.464

29.167

29.649

30.914

30.777

31.385

32.389

33.283

33.796

34.636

42.064

44.953

Total Modal Kerja

Total


Miliar Rp

Tabel 4.14 Kredit Bank Asing Berdasarkan Jenis Penggunaan Jenis Penggunaan

Des

Des Des

2000 2001 2002 2003 Modal Kerja Properti Agrobisnis Lainnya

Ags

Sep

Okt

Nov

Des

Jan

59 16 29.865

59 9 30.392

60 11 29.532

58 15 31.337

Feb

Mar

Apr

Mei

Jun

Jul

Ags

57 58 158 159 31.338 31.957

57 307 33.110

57 150 33.203

58 359 38.268

57 395 37.566

57 379 43.897

32.173 33.475

33.410

38.683

38.018

40.970

44.333

366 40.548 40.850

90 43 37.368

61 17 28.612

26.733

59 14 30.854

37.520

28.745

26.810

30.929

29.940

30.460

29.602

31.412

31.554


10 333 2.562

168 413 2.003

139 118 1.368

109 70 974

96 1.799

93 1.727

89 1.738

88 2.298

91 2.530

79 2.577

18 306 2.272

18 81 2.469

305 215 1.938

18 70 2.728

19 133 2.729

19 61 2.907

20 64 2.951

Total Investasi

2.905

2.584

1.625

1.153

1.894

1.820

1.827

2.387

2.621

2.656

2.596

2.569

2.459

2.817

2.881

2.987

3.035


70 204 5 2.833

57 210 2 4.187

37 251 1 5.680

28 243 1 7.324

22 259 1 8.442

21 267 1 9.273

20 272 1 9.565

20 280 1 9.904

19 284 1 9.855

61 241 1 10.385

63 64 247 249 1 1 10.511 10.695

67 256 0 11.112

72 256 0 11.457

73 269 0 12.218

17 327 0 12.706

17 331 0 13.128

Total Konsumsi

3.112

4.456

5.969

7.597

8.724

9.561

9.858

10.205

10.159

10.688

10.822 11.010

11.434

11.785

12.560

13.051

13.476

46.867

44.560

36.339

35.560

41.547

41.322

42.145

42.194

44.193

44.898

45.590 47.054

47.303

53.285

53.460

57.008

60.844

Total

61

2005

116 36 40.483

Total Modal Kerja

265 102

2004

Des

113


Miliar Rp

Tabel 4.15 Kredit Bank Umum Berdasarkan Lokasi Penyaluran 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 Bangka Belitung Lampung Kalimantan Selatan Kalimantan Barat Kalimantan Timur Kalimantan Tengah Sulawesi Tengah Sulawesi Selatan Sulawesi Utara Gorontalo Sulawesi Tenggara Nusa Tenggara Barat Bali Nusa Tenggara Timur Maluku Papua Maluku Utara Di Luar Indonesia Total

Des

Des

Des

2000

2001

2002 2003

20.664

26.235

32.613

177.891 175.354 1.242 1.773 11.830 17.906 24.733 29.817 459 507 1.005 1.262 994 1.113 8.886 12.426 2.421 3.346 6.901 7.803 3.327 4.544

40.293

200.113 235.397 2.399 2.922 22.770 24.677 33.806 40.821 656 895 1.691 2.378 1.602 1.852 17.966 19.745 4.090 5.526 8.839 10.936 5.887 6.918

1.640 2.629 1.836 2.786 608 675 3.621 1.664

2.207 3.342 1.649 2.931 821 839 4.788 1.725

2.824 3.215 2.293 4.016 1.039 1.202 6.916 2.122

3.520 3.576 2.688 5.691 1.276 1.793 8.941 3.077

410 768 3.619 649 239 653 947

538 1.047 5.008 982 225 782 131 6.827

737 1.446 5.864 1.202 363 1.075 145 4.165

993 1.782 6.625 1.634 414 1.564 246 4.324

2005

2004

Des Ags

Sep

Okt

39.465 7.919 266.468 3.887 31.222 47.660 1.167 2.663 2.554 23.163 6.295 12.864 6.837 783 4.242 4.169 3.673 7.578 1.561 2.158 10.607 3.036 636 1.137 2.236 7.088 1.880 530 1.940 288 4.914

40.494 7.964 267.621 4.004 31.983 49.268 1.176 2.712 2.820 23.882 6.380 13.180 6.973 826 4.414 4.274 3.766 7.869 1.613 2.267 10.840 3.127 671 1.168 2.285 7.191 1.958 551 2.005 300 4.849

41.469 8.225 273.155 4.117 32.669 51.519 1.221 2.769 3.021 24.074 6.582 13.404 7.149 919 4.519 4.392 3.865 8.124 1.651 2.334 11.111 3.218 706 1.213 2.334 7.317 2.029 573 2.038 310 4.805

Nov 41.779 8.413 275.534 4.186 33.081 52.359 1.246 2.799 3.076 24.522 6.566 13.675 7.237 804 4.590 4.480 3.944 8.292 1.687 2.365 11.288 3.305 711 1.227 2.364 7.441 2.069 586 2.044 318 4.958

Des 43.643 8.571 288.878 4.381 34.465 52.438 1.292 2.903 3.120 25.941 6.776 14.134 7.399 692 4.648 4.664 4.111 8.753 1.770 2.485 11.924 3.430 744 1.234 2.479 7.797 2.113 603 2.071 330 5.683

283.097 315.928 371.058 440.505 510.621 518.432 530.835 536.944 559.470

Jan

Feb

Mar

Apr

Mei

42.968 8.559 287.905 4.389 34.219 52.334 1.277 2.851 2.846 25.399 6.623 14.194 7.289 664 4.622 4.587 4.072 8.705 1.767 2.438 11.893 3.372 739 1.218 2.478 7.705 2.078 600 1.971 328 5.505

43.657 8.742 292.871 4.469 34.883 53.408 1.305 2.875 3.198 26.355 6.726 14.635 7.529 709 4.697 4.657 4.095 8.908 1.809 2.478 12.120 3.419 739 1.181 2.563 7.910 2.118 612 1.994 341 5.645

44.889 45.961 47.272 48.655 49.912 9.218 9.583 10.203 10.761 11.392 300.754 304.842 319.154 325.618 333.814 4.639 4.766 4.954 5.122 5.224 35.464 36.616 36.718 37.645 38.316 54.966 56.495 57.078 57.896 59.059 1.348 1.364 1.409 1.457 1.484 2.977 3.041 3.116 3.201 3.264 3.272 3.356 3.425 3.448 3.410 27.206 27.709 29.096 29.681 29.767 6.810 6.974 7.098 7.036 7.101 15.053 15.411 15.710 16.038 16.292 7.695 7.921 8.121 8.311 8.413 773 865 812 892 941 4.897 5.089 5.257 5.461 5.385 4.736 4.867 4.981 5.179 5.318 4.218 4.263 4.304 4.379 4.475 9.250 9.566 9.888 10.160 10.308 1.913 1.957 2.033 2.078 2.117 2.597 2.663 2.762 2.851 2.845 12.576 12.883 13.272 13.594 13.828 3.479 3.555 3.629 3.691 3.715 786 811 824 877 861 1.275 1.314 1.348 1.387 1.397 2.668 2.810 2.885 2.907 2.939 8.110 8.287 8.515 8.749 8.897 2.175 2.250 2.293 2.374 2.405 638 666 693 730 743 2.080 2.138 2.208 2.288 2.196 354 366 374 390 396 5.694 5.914 6.370 6.203 6.310

50.606 11.961 346.794 5.384 39.790 62.587 1.546 3.354 3.466 30.976 7.320 16.840 8.650 965 5.610 5.479 4.567 10.575 2.161 2.884 14.179 3.804 896 1.348 2.999 9.126 2.456 760 2.357 405 6.665

555.596 566.650

582.510 594.304 615.800 629.062 642.525

666.511

Ket: data kredit berdasarkan lokasi penyaluran pada bulan Juni, September 2004 berbeda pada data kredit pada tabel yang lain disebabkan karena adanya koreksi data

Jun

Jul

Ags


Miliar Rp

Tabel 4.16 Penerusan Kredit (Off-Balance Sheet) Bank Umum Berdasarkan Sektor Ekonomi Des Sektor Ekonomi

6.966

2. Pertambangan

5.704

3. Perindustrian

2.681 11.306 677

5. Konstruksi 6. Perdagangan, restoran dan hotel

2004

Des

2000 2001 2002 2003 Ags



Des Des

7.554

8.248

Sep 8.249

Okt

Nov

Des

Jan

Feb

Mar

Apr

8.244

8.339

7.847

7.877

7.842

7.849

Mei

Jun

Jul

Ags

7.805

7.834

7.800

7.812

8.486

7.843

1.280

1.153

1.055

1.158

1.124

1.119

1.149

1.135

1.131

1.149

1.159

1.152

1.180

1.185

1.231

2.714

2.831

2.071

2.152

2.127

2.123

2.122

2.171

1.325

1.333

1.318

1.306

1.654

1.657

1.658

1.680

15.791

13.513

11.512

10.280

10.182

10.143

10.045

10.145

10.620

10.660 10.756

10.775

10.329

10.412

10.373

10.488

495

419

2.351

2.442

2.401

2.330

2.380

1.982

2.161

2.138

2.861

2.934

2.928

3.054

1.132

8.297

2005

2.129

2.128

355

297

362

339

306

318

310

324

404

400

389

394

387

387

391

390

386


6.561

8.014

7.672

5.204

5.258

5.172

5.154

5.146

4.537

4.478

4.403

4.497

4.465

3.484

3.417

3.344

3.412

8. Jasa Dunia usaha

1.507

188

316

591

585

582

588

589

591

496

586

562

566

557

593

606

620

129

131

133

155

178

179

182

182

185

188

183

165

194

163

170

189

171

2.961

6.140

4.345

5.480

6.304

5.704

6.177

6.270

6.088

6.470

6.475

6.474

6.533

6.592

6.650

6.617

6.856

38.846

42.603

39.230

36.601

36.911

36.048

36.428

36.421

35.591

35.120

35.167 35.284

35.374

34.984

35.237

35.089

35.710

9. Jasa sosial/masyarakat 10. Lain-lain Total

115


Miliar Rp

Tabel 4.17 Penerusan Kredit (Off-Balance Sheet) Bank Umum Berdasarkan Jenis Kredit dan Golongan Penyalur Des

Des

Des

2004

Des

2000 2001 2002 2003

Ags

Sep

Okt

2005 Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Berdasarkan Jenis Kredit 1. Kredit Usaha Kecil a. Dalam rangka penerusan kredit dari BI b. Lainnya

4.337 1.053

4.715 2.470

4.229 3.834

2.926 4.331

2.849 2.138

2.933 8.325

2.934 2.203

2.933 5.122

2.933 5.191

2.974 4.918

2.993 8.453

3.007 8.469

3.000 8.488

2.986 8.417

2.998 8.497

2.989 8.438

2.925 8.600

2. Bukan KUK a. Kredit Kelolaan b. Dalam rangka penerusan kredit dari BI c. Bantuan Proyek d. Kredit kelolaan di luar bantuan proyek

24.842 1.858 6.543 213

31.189 469 3.140 619

26.373 1.074 3.064 638

24.750 728 3.050 766

27.659 602 3.058 499

21.062 601 2.523 497

27.038 600 3.005 494

24.125 601 2.985 503

23.415 605 2.762 493

23.251 595 2.692 490

19.785 594 2.637 499

19.843 595 2.628 525

20.734 595 1.832 498

20.426 594 1.823 491

20.655 624 1.792 398

20.581 613 1.715 458

21.070 615 1.663 529

-

-

18

50

106

106

152

152

192

200

204

217

228

246

272

295

309

6.134 907 31.805

7.088 656 34.859

4.286 705 34.238

3.702 1.574 31.326

4.389 2.373 30.149

5.393 644 30.010

4.420 2.318 29.690

4.419 1.750 30.252

4.426 1.770 29.394

4.539 1.730 28.850

5.538 646 28.982

5.477 655 29.153

5.482 645 29.246

5.480 628 28.875

5.496 633 29.108

5.546 634 28.909

5.509 601 29.600

38.846

42.603

39.229

37.417

36.911

36.048

36.428

36.421

35.591

35.120

35.167

35.284

35.374

34.984

35.237

35.089

35.710

3. Mudharabah Muqayaddah Berdasarkan Golongan Penyalur 1. Koperasi 2. Lembaga Swadaya Masyarakat 3. Swasta Lainnya Total


Miliar Rp

Tabel 4.18 Kredit Bank Perkreditan Rakyat Berdasarkan Sektor Ekonomi Sektor Ekonomi

1. Pertanian

Des

Des

Des

2000

2001

2002

2004

2003 Jun

Sep

Des

Mar

Jun

2005

Sep

Des

Mar

Jun*

229

316

429

487

519

536

563

617

722

707

764

853

79

97

130

143

143

151

166

172

195

189

203

228

1.706

2.257

2.887

3.361

3.440

3.833

4.093

4.503

4.845

5.003

5.323

5.661

4. Jasa-jasa

358

511

762

875

968

1.004

1.047

1.167

1.190

1.218

1.331

1.456

5. Lain-lain

1.248

1.680

2.475

2.873

3.554

3.462

3.626

4.027

4.688

5.032

5.209

5.598

Total

3.619

4.860

6.683

7.739

8.624

8.985

9.495

10.486

11.639

12.149

12.830

13.796

2. Perindustrian 3. Perdagangan, rumah makan dan penginapan

Ket : * Data revisi

117


Miliar Rp

Tabel 4.19 Kredit Bank Perkreditan Rakyat Berdasarkan Jenis Penggunaan Jenis Penggunaan

Des

Des

Des

2000

2001

2002

2003 Jun

Sep

2004 Des

Mar

Jun

2005

Sep

Des

Mar

Jun

Modal Kerja Pertanian Perindustrian Perdagangan, rumah makan, dan penginapan Jasa-jasa Lain-lain Total Modal Kerja

220 75 1.669 286 127 2.376

302 91 2.209 403 181 3.187

409 125 2.827 610 221 4.192

470 138 3.292 712 243 4.854

502 137 3.368 795 274 5.077

517 144 3.758 819 287 5.526

544 159 4.029 812 302 5.845

597 164 4.423 902 316 6.401

648 185 4.732 968 348 6.881

681 181 4.894 991 357 7.103

729 194 5.171 1.068 386 7.549

806 220 5.462 1.130 454 8.072

Investasi Pertanian Perindustrian Perdagangan, rumah makan, dan penginapan Jasa-jasa Lain-lain Total Investasi

7 4 28 68 15 122

12 5 38 103 28 186

18 6 53 147 30 254

16 5 62 158 33 274

16 6 61 166 40 288

0 17 7 66 179 44 313

0 19 7 64 235 49 375

21 8 80 265 53 426

26 10 96 210 56 398

26 8 109 228 59 430

35 9 151 263 70 528

42 7 158 278 81 566

Konsumsi Kredit pemilikan rumah (KPR) Kredit pemilikan rumah (KPR) dengan jaminan hipotik pertama dengan tujuan untuk dihuni Kredit konsumsi lainnya Total Konsumsi

-

-

-

-

-

0 -

0 -

-

-

-

-

1.121 1.121

1.487 1.487

2.238 2.238

2.610 2.610

3.259 3.259

3.146 3.146

3.275 3.275

3.658 3.658

4.361 4.361

4.616 4.616

4.753 4.753

5.158 5.158

Total

3.619

4.860

6.683

7.739

8.624

8.985

9.495

10.486

11.639

12.149

12.830

13.796

ket : * Data revisi


Miliar Rp

Tabel 4.20 Kredit Bank Perkreditan Rakyat Berdasarkan Lokasi Lokasi

Des

Des

Des

2000

2001

2002

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

119

ket : *) Sampai Maret 2004 termasuk Kendari

2003 Jun

Sep

2004 Des

Mar

Jun

2005

Sep

Des

Mar

Jun*

839 15 128 880 701 4 4 19 57 54 27 16 306 25 22 9 7 21 32 55 371 11 9 7 342

1.030 15 181 1.273 921 5 6 22 55 81 37 25 484 33 36 12 1 8 25 39 75 466 5 9 15 -

1.401 45 294 1.843 1.152 5 9 34 84 121 49 39 755 31 64 17 0 14 17 51 96 484 8 35 32 243

1.630 56 374 2.112 1.270 6 7 34 106 135 57 44 937 38 72 18 0 17 32 58 118 527 10 39 42 229

1.852 53 424 2.306 1.452 6 7 27 145 154 59 53 1.070 42 75 18 0 16 33 63 127 548 11 39 45 229

1.799 54 451 2.446 1.498 7 7 26 162 169 57 63 1.168 42 77 26 1 20 36 67 127 571 11 54 54 276

2.035 56 510 2.512 1.527 8 7 39 108 193 56 65 1.262 36 84 1 23 1 39 69 135 610 11 64 42 -

2.214 57 670 2.766 1.639 9 7 41 115 214 97 78 1.376 48 91 2 1 31 44 69 3 143 629 12 67 63 -

2.453 65 644 3.151 1.749 10 20 43 195 248 125 87 1.516 53 99 32 1 35 54 73 4 154 689 12 67 56 281

2.586 78 689 3.134 1.835 10 21 34 248 337 141 91 1.544 67 100 5 1 39 56 81 6 160 737 12 73 61 -

2.721 94 749 3.301 1.905 10 23 35 251 361 164 98 1.614 60 102 4 1 38 60 83 8 174 806 14 79 75 -

2.927 113 789 3.680 2.021 9 37 25 239 267 187 93 1.812 75 103 43 1 30 50 86 10 182 874 15 65 64 -

3.619

4.860

6.683

7.739

8.624

8.985

9.495

10.486

11.639

12.149

12.830

13.796


Miliar Rp

Tabel 4.21 Kredit UMKM Menurut Sektor Ekonomi Sektor Ekonomi 1. Pertanian 2. Pertambangan 3. Perindustrian 4. Listrik

Des

Des

2002

2003

8.627

8.641

542 22.015

2004 Ags

2005

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

9.445

12.105

12.350

12.005

12.098

11.778

11.745

11.790

11.965

11.938

12.191

12.062

12.347

601

667

677

708

724

911

916

780

1.088

1.064

987

1.001

920

963

24.399

25.950

25.401

25.519

25.468

26.547

26.216

27.058

26.065

26.395

26.746

27.545

28.383

28.968

93

120

135

120

114

124

127

121

132

139

156

146

143

160

164

3.639

4.590

6.386

6.238

6.397

6.368

5.922

5.706

5.875

6.282

6.535

6.792

7.042

7.340

7.689

6. Perdagangan

38.586

52.752

60.465

62.022

63.763

64.359

67.226

66.687

68.215

70.671

72.736

75.417

77.606

78.800

80.730

7. Pengangkutan

3.687

5.051

5.654

5.399

5.473

5.362

6.029

6.055

5.569

5.928

5.796

5.928

6.283

6.110

6.237

8. Jasa Dunia Usaha

7.964

13.257

15.040

14.620

14.888

15.072

15.550

15.423

15.767

15.960

16.631

17.258

18.900

19.395

19.285

9. Jasa Sosial

2.242

3.026

3.970

4.005

4.017

4.248

4.269

4.305

4.310

4.417

4.768

5.399

4.923

5.063

5.282

10. Lain-lain

73.583

94.650

117.805 120.745

125.894

128.763 132.414 135.174

137.901

143.299

147.768

152.714

158.686 163.724

169.474

Total

160.977

207.088

245.517 251.331

259.124

262.492 271.093 272.380

277.352

285.639

293.813

303.325

314.321 321.957

331.138

5. Konstruksi


Miliar Rp

Tabel 4.22 Kredit UMKM Menurut Jenis Penggunaan 2004

2005

Des

Des

2002

2003

Ags

Sep

Okt

Nov

Kredit Modal Kerja

73.679

91.129

102.560

104.744

106.298

107.059

Kredit Investasi

17.356

22.760

27.134

27.670

28.358

28.174

Kredit Konsumsi

69.942

93.199

115.823

118.917

124.468

127.259

160.977

207.088

245.517 251.331

259.124

Jenis Penggunaan

Jumlah

Des

Jan

Feb

Mar

Apr

Mei

112.669

115.830

118.548

121.677

28.396

28.381

28.612

29.534

30.554

130.997 133.625

136.303

141.197

145.731

262.492 271.093 272.380

277.352

285.639

293.813

111.636 110.359 28.460

Jun

Jul

126.289 128.142 31.057

Ags 130.891

31.831

32.448

151.093

156.975 161.984

167.799

303.325

314.321 321.957

331.138

121


Miliar Rp

Tabel 4.23 Kredit UMKM Menurut Kelompok Bank 2004

2005

Des

Des

2002

2003

Ags

Sep

Okt

Nov

Des

Jan

Feb

Mar

Apr

Mei

1. Bank Persero

61.413

77.543

90.382

92.023

94.522

95.810

99.010

98.279

99.647

101.232

103.761

106.703

2. Bank Pembangunan Daerah

20.454

27.040

32.859

33.434

34.472

34.807

34.700

34.993

35.685

36.630

36.173

37.103

3. Bank Swasta Nasional

68.594

92.605

112.882

116.301

120.429

122.759

127.438 128.623

131.783

136.813

143.112

148.488

4. Bank Asing dan Campuran

10.516

9.900

9.394

9.574

9.702

9.116

10.484

10.236

10.964

10.766

11.030

160.977

207.088

245.517 251.331

259.124

262.492 271.093 272.380

277.352

285.639

293.813

303.325

Kelompok Bank

Jumlah

9.944

Jun

Jul

110.002 111.145 38.306

Ags 113.041

40.441

41.296

153.958 156.813

163.241

12.054

13.558

13.559

314.321 321.957

331.138


Miliar Rp

Tabel 4.24 Kredit UMKM Menurut Daerah Tingkat I Daerah Tingkat I Jawa Barat DKI Jakarta D.I Yogyakarta Jawa Tengah Jawa Timur Bengkulu Jambi Nanggroe Aceh Darussalam Sumatera Utara Sumatera Barat Riau Sumatera Selatan Lampung Kalimantan Selatan Kalimantan Barat Kalimantan Timur Kalimantan Tengah Sulawesi Tengah Sulawesi Selatan Sulawesi Utara Sulawesi Tenggara Nusa Tenggara Barat Bali Nusa Tenggara Timur Maluku Papua Maluku Utara Di Luar Indonesia Total

2004

Des

Des

2002

2003

Ags

Sep

Okt

30.951 40.943 2.039 14.656 20.715 603 1.532 1.269 7.766 2.902 5.347 3.746 2.252 1.845 2.102 2.964 824 1.153 5.177 2.153 708 1.442 5.028 981 238 978 192 469

39.910 51.795 2.573 19.004 26.735 827 1.903 1.757 10.378 3.669 6.579 4.702 2.848 2.476 2.730 3.902 990 1.755 7.138 2.928 992 1.833 5.933 1.269 407 1.392 265 394

48.493 60.147 3.178 21.977 30.539 1.116 2.323 2.205 12.211 4.603 8.056 5.392 3.595 3.038 3.251 5.158 1.360 2.155 8.290 3.373 1.177 2.272 6.391 1.753 519 1.781 309 855

50.101 60.180 3.319 22.685 31.577 1.139 2.388 2.479 12.675 4.730 8.387 5.429 3.727 3.141 3.317 5.407 1.378 2.255 8.509 3.484 1.203 2.319 6.529 1.820 533 1.837 330 453

52.045 61.270 3.486 23.866 32.433 1.169 2.441 2.658 13.073 4.842 8.648 5.752 3.754 3.276 3.408 5.458 1.354 2.313 8.805 3.620 1.239 2.383 6.681 1.896 545 1.873 338 500

160.977

207.088

245.517

251.331

259.124

2005 Nov

Des

Jan

Feb

Mar

Apr

Mei

Jun

Jul

Ags

52.590 61.999 3.533 24.108 32.871 1.203 2.478 2.735 13.417 4.854 8.720 5.833 3.766 3.338 3.366 5.623 1.392 2.345 8.870 3.716 1.255 2.426 6.790 1.936 549 1.887 348 542

55.168 63.508 3.634 24.736 33.798 1.264 2.582 2.775 13.822 4.977 9.052 5.960 3.788 3.440 3.467 5.964 1.449 2.455 9.203 3.845 1.284 2.551 7.054 1.983 564 1.908 372 491

55.857 64.543 3.656 24.856 34.037 1.241 2.569 2.679 13.811 4.932 8.843 5.847 3.786 3.438 3.456 5.786 1.428 2.413 9.228 3.791 1.260 2.547 7.129 1.947 580 1.853 366 498

56.166 65.667 3.718 25.395 34.838 1.276 2.609 2.873 14.319 5.041 9.046 5.957 3.923 3.426 3.510 6.048 1.458 2.450 9.422 3.864 1.230 2.626 7.177 1.980 598 1.876 371 487

58.679 66.380 3.831 25.976 36.009 1.310 2.684 2.941 14.810 5.173 9.330 6.186 3.995 3.620 3.592 6.381 1.363 2.539 9.783 3.989 1.325 2.730 7.524 2.041 621 1.934 390 501

59.975 68.587 3.961 26.803 37.008 1.332 2.875 3.017 15.174 5.282 9.664 6.359 4.188 3.778 3.646 6.616 1.405 2.607 10.058 4.065 1.366 2.810 7.534 2.115 649 1.991 408 540

61.725 70.862 4.095 27.601 38.027 1.375 2.836 3.083 15.786 5.375 9.960 6.596 4.336 3.880 3.718 6.694 1.411 2.691 10.598 4.127 1.399 2.882 7.861 2.162 682 2.059 415 1.090

64.003 73.990 4.220 29.250 39.382 1.426 2.920 3.146 16.121 5.436 10.347 6.783 4.525 4.031 3.828 7.025 1.459 2.775 10.895 4.274 1.431 2.972 7.983 2.260 716 2.141 434 549

65.703 75.739 4.300 29.808 40.389 1.463 2.970 3.118 16.664 5.528 10.619 6.926 4.665 4.101 3.870 7.240 1.476 2.798 11.124 4.336 1.454 3.038 8.325 2.298 732 2.114 444 713

67.861 77.541 4.469 30.757 41.386 1.518 3.079 3.175 17.277 5.647 11.064 7.186 4.893 4.282 3.987 7.311 1.526 2.843 11.417 4.466 1.407 3.129 8.373 2.351 779 2.264 429 720

262.492

271.093

272.380

277.352

285.639

293.813

303.325

314.321

321.957

331.138

123

KATA PENGANTAR. Jakarta, Oktober 2005 BANK INDONESIA Direktorat Perizinan dan Informasi Perbankan

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