ORD. Jakarta, April 2010 BANK INDONESIA Direktorat Perizinan dan Informasi Perbankan

KA TA PENGANT AR KAT PENGANTAR

FOREW ORD FOREWORD

Statistik Perbankan Indonesia (SPI) merupakan

The Indonesian Banking Statistics (SPI) is a

media publikasi yang menyajikan data mengenai

media publication that provides data regarding the

perbankan Indonesia. Buku SPI ini diterbitkan secara

banking industry in Indonesia. This publication is

berkala (bulanan) oleh Direktorat Perizinan dan Informasi Perbankan, Bank Indonesia, untuk memberikan gambaran perkembangan perbankan di Indonesia. Mulai penerbitan Edisi Januari 2010, SPI disempurnakan dengan penambahan data baru

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

yaitu Kredit Berdasarkan Nilai yang menyajikan nilai

with the addition of new data that is credit based

nominal kredit dan nilai wajar kredit

on the value, consist of the nominal of credit and

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

fair value of credit. We sincerely hope that the data provided in

manfaat yang optimal bagi pembaca.

the SPI will be of optimum benefits to our readers.

Jakarta,

Jakarta,

April 2010

BANK INDONESIA Direktorat Perizinan dan Informasi Perbankan

April 2010

BANK INDONESIA Directorate of Bank Licensing and Information

Indonesian Banking Statistics, Vol. 8, No. 3, February 2010

i

DAFT AR ISI AFTAR

TABLE OF CONTENT

KATA PENGANTAR

i

INTRODUCTION

i

DAFTAR ISI

ii

TABLE OF CONTENT

ii

PENJELASAN

iii

CLARIFICATIONS

iii

DAFTAR SINGKATAN

vii

LIST OF ABBREVIATIONS

vii

DAFTAR ISTILAH

viii

LIST OF TERMS

viii

DAFTAR RASIO

x

LIST OF RATIOS

x

DAFTAR TABEL

xiii

LIST OF TABLES

xiii

DATA BANK UMUM

DATA PERBANKAN SYARIAH

5

COMMERCIAL BANK DATA

5

93

SHARIA BANK DATA

93

DATA BANK PERKREDITAN RAKYAT (BPR)

107

RURAL BANK DATA

107

DATA PERKREDITAN

123

CREDIT DATA

123

ii

Statistik Perbankan Indonesia, Vol. 8, No. 3, Februari 2010

PENJELASAN

CLARIFIC ATIONS CLARIFICA

1. Data yang digunakan dalam Publikasi Statistik

1. The data used in the Indonesian Banking Statistics

Perbankan Indonesia bersumber dari Laporan Bulanan

is derive from Commercial Bank Monthly Reports,

Bank Umum (LBU), Laporan Bulanan Bank Umum

Sharia Bank Monthly Reports and Rural Bank

Syariah (LBUS), dan Laporan Bulanan Bank Perkreditan

Monthly Reports.

Rakyat (Lapbul BPR), kecuali dinyatakan lain.

2. The entire data on Commercial Banks includes data

2. Semua jenis data Bank Umum telah mencakup data

from Commercial Banks that conduct operations

Bank Umum yang melakukan kegiatan usaha

based on sharia principles and sharia Business Units

berdasarkan prinsip syariah dan Unit Usaha Syariah

from conventional commercial banks. It is not yet

dari Bank Umum konvensional. Pemisahan data

possible to obtain separate sharia bank data from

perbankan syariah dari kelompok data bank umum

commercial banks, because, thus far, reports from

belum dapat dilakukan, karena selama ini proses

sharia banks are entered into the banking system

pelaporan perbankan syariah masuk ke dalam Sistem

as one unit.

Perbankan sebagai satu kesatuan.

For this reason, sharia banking data is presented

Untuk itu disajikan data khusus perbankan syariah

separately.

secara terpisah.

3. Data regarding performance before January 2006

3. Data kinerja sebelum bulan Januari 2006

based on calculations is still subject to the provisions

perhitungannya masih mengacu pada ketentuan SE

of Circular Letter No. 30/2/UPPB dated April 30,

No.30/2/UPPB tanggal 30 April 1997 dan SE No. 30/

1997 and No. 30/23/UPPB dated March 19, 1998,

23/UPPB tanggal 19 Maret 1998, sedangkan data

and beginning January 2006 based on calculation

kinerja mulai bulan Januari 2006 dan selanjutnya

subject to the provision of Circular Letter No. 6/

perhitungannya mengacu pada ketentuan SE No.6/

23/DPNP dated 31 May 2004.

23/DPNP tanggal 31 Mei 2004. 4. Data Kredit •

Mulai bulan Januari 2010 Data Kredit Bank

4. Credit Data •

Starting in January 2010 Credit Data of

Umum disajikan berdasarkan jumlah menurut

Commercial Banks are presented based on the

Biaya Perolehan atau Biaya Perolehan Diamortisasi

amount of acquisition Cost or amortized

atau Nilai Wajar. Biaya Perolehan adalah jumlah

acquisition cost or fair value. Acquisition cost

kas atau setara kas yang dibayarkan (diterima)

is the amount of cash or cash equivalents paid

atau nilai wajar dari imbalan lain yang diserahkan

(received) or the fair value of other rewards

(diterima) untuk memperoleh suatu aset

given (acceptable) to acquire an asset (issuing

(menerbitkan suatu kewajiban) pada saat

an obligation) at the time of acquisition.

perolehan. Biaya Perolehan Diamortisasi adalah

Acquisition costs amortized is the amount of

jumlah aset keuangan atau kewajiban keuangan

financial assets or financial liabilities are

yang diukur pasa saat pengakuan awal dikurangi

measured at initial recognition minus principal

pembayaran pokok, ditambah atau dikurangi

payments, plus or minus the cumulative

amortisasi kumulatif menggunakan metode suku

amortization using the effective interest


iii

PENJELASAN


bunga efektif yang dihitung dari selisih antara

method is calculated from the difference

nilai awal dan nilai jatuh temponya. Penurunan

between initial value and maturity value.

nilai diakui dengan menggunakan pos Cadangan

Decline in value is recognized by using the

Kerugian Penurunan Nilai. Nilai wajar adalah nilai

postal Reserves Value Losses Decrease. Fair

dimana suatu aset dapat dipertukarkan atau

value is the value which an asset could be

suatu kewajiban diselesaikan antara pihak yang

exchanged, or a liability settled between the

memahami dan berkeinginan untuk melakukan

parties to understand and willing to perform

transaksi wajar (arm’s length transaction).

normal transactions (arm’s length transaction).

Selanjutnya, untuk mengetahui nilai nominal

Credit data constitutes the credits recorded

kredit disajikan tabel khusus yang

in the balance of a Bank and does not taken

menyajikan kredit berdasarkan nilai.

into account channel of credit recorded in the

Data kredit yang ditampilkan merupakan kredit

off-balance sheet, unless otherwise stated.

yang tercatat di neraca Bank dan tidak

Credits include credit claims from citizens and

memperhitungkan penerusan kredit yang tercatat

non-citizens (Rural Bank data only includes

dalam rekening administratif (off-balance sheet),

credit claims from citizens). The data related

kecuali dinyatakan lain. Cakupan kredit meliputi

to the information above is presented in the

tagihan kredit kepada penduduk dan non

performance data tables: earning assets; non-

penduduk (Untuk data BPR hanya meliputi

performing loans (NPL) (except for NPL data

tagihan kredit kepada penduduk). Data yang

regarding channelling credit off-balance sheet);

terkait dengan penjelasan tersebut di atas

operations; and credits (except for channelling

ditujukan untuk data dalam tabel kinerja; aktiva

credit data regarding off-balance sheet).

produktif; NPL (kecuali data NPL penerusan kredit

Starting January 2010 edition, there is no

off-balance sheet); kegiatan usaha; dan kredit

detail for credit based on type of use.

(kecuali data penerusan kredit off-balance sheet).

The scope of the credit in this publication is

Mulai Edisi Januari 2010 kredit berdasarkan

different from the coverage of credit in the

jenis penggunaan tidak disajikan rinciannya.

publication SEKI.

Cakupan kredit dalam publikasi ini berbeda •

iv

•

Starting in January 2010 Data on Micro,

dengan cakupan kredit pada publikasi SEKI.

Small, Medium Scale Business credit is

Mulai bulan Januari 2010 data MKM sementara

presented according to the nominal value

disajikan menurut nilai nominal yaitu nilai yang

of listed securities or the contractual

tercantum dalam surat berharga atau kontrak yang

agreement. Data on Micro, Small, Medium

diperjanjikan. Cakupan kredit MKM adalah: kredit

Scale Business credit in this book mean:

mikro yakni kredit dengan plafon 0 sampai dengan

micro credit is credit with ceiling Rp 0 up to

maksimum Rp50 juta, kredit kecil yakni kredit dengan

Rp 50 million, Small credit is credit with

plafon lebih dari Rp50 juta sampai dengan maksimum

ceiling Rp 50 million up to Rp 500 million,

Rp500 juta, dan kredit menengah yakni kredit

and Medium credit is credit is with ceiling


CLAR

RIFIC ATION RIFICA

•

PENJELASAN


dengan plafon lebih dari Rp500 juta sampai

Rp 500 million up to Rp 5 billion. Credit

dengan maksimum Rp5 miliar. Data kredit

Data on Micro, Small, Medium Scale Business

MKM tidak mencakup data kartu kredit dan

credit does not include data regarding credit

kredit yang disalurkan oleh BPR. Data yang

cards or credits disbursed by Rural Banks.

terkait dengan penjelasan tersebut di atas

The data related to the infomartion above

ditujukan untuk data dalam tabel kredit

is presented in the performance data tables

MKM menurut kelompok bank, kredit MKM

Micro Small, Medium Credit based on

menurut jenis penggunaan, kredit MKM

category of bank, Micro Small, Medium

berdasarkan lokasi proyek per provinsi, dan

Credit based on type of use, Micro Small,

kredit MKM berdasarkan sektor ekonomi.

Medium Credit based on project location,

Yang dimaksud dengan Hubungan Dengan

Micro Small, Medium Credit based on

Bank pada tabel Kredit Bank Umum Berdasarkan

economic sector.

Hubungan dengan Bank adalah status

•

keterikatan antara bank dengan pihak yang

Bank Credit based on Bank relationship mean

melakukan transaksi dengan bank.

status related bank and the party which

-

-

Pihak terkait adalah perseorangan atau

transaction with bank.

perusahaan/badan yang mempunyai

-

Related party is any individual or company/

hubungan dengan pengendalian bank, baik

entity exercising control over the bank,

secara langsung maupun tidak langsung,

whether directly or indirectly, through

melalui hubungan dengan kepemilikan,

ownership, management, and/or financial

kepengurusan dan atau keuangan.

relation.

Pihak tidak terkait adalah pihak-pihak yang

-

tidak termasuk pada pihak terkait dengan bank sebagaimana tersebut di atas. •

Bank Relationship on the table Commercial

Yang dimaksud dengan Kredit yang

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

•

Credit withdrawn by credit card

5. Non-Performing Loan Data

penarikannya menggunakan kartu adalah

Non-performing loan data is show as the gross

pemberian fasilitas kredit yang penarikannya

non-performing loan, that is, without taking into

dilakukan dengan kartu kredit.

account the reserve formed in anticipation of the

5. Data Non Performing Loan

risk of losses.

Data Non Performing Loan yang ditampilkan

Non-performing loan data is show in nominal and

merupakan Non Performing Loan Gross, yakni tanpa

percentage figures.

memperhitungkan penyisihan yang dibentuk untuk

Data related to the information above is shown as

mengantisipasi risiko kerugian.

figures in the earning assets table; and NPL.

Data Non Performing ditampilkan dalam nominal dan

6. Data regarding money instruments in the funds

persentase.

disbursement account.

Data yang terkait dengan penjelasan tersebut di atas

Data regarding money instruments includes money

ditujukan untuk data dalam tabel aktiva produktif;

instruments that are issued by a non-bank third

dan NPL.

party. The data does not calculate bonds from a


v

PENJELASAN 6. Data Surat Berharga dalam pos penyaluran dana

CLARIFIC ATIONS CLARIFICA recapitalization program issued by the

Data surat berharga yang ditampilkan merupakan

Government.

surat berharga yang diterbitkan oleh pihak ketiga

The data mentioned above is displayed in the

bukan bank. Data yang ditampilkan tidak

business operations table.

memperhitungkan obligasi dalam rangka program rekapitalisasi yang diterbitkan oleh Pemerintah. Data yang terkait dengan penjelasan tersebut ditujukan untuk data dalam tabel kegiatan usaha. 7. Data suku bunga menggunakan suku bunga ratarata tertimbang 8. Perkiraan Tambahan Modal Disetor Terdiri dari pos agio; (disagio); modal sumbangan; dan penyesuaian akibat penjabaran laporan keuangan kantor cabang di luar negeri. 9. Data Deposito berdasarkan jangka waktu untuk sementara tidak dapat disajikan. 10. Perkiraan Cadangan Terdiri dari pos Cadangan umum; Cadangan tujuan; dan Laba yang ditahan. 11. Proses Download Data •

7. The table displays the weighted-average of interest rates. 8. Estimates of Additional Paid-In Capital The estimates are derived from the agio account; capital contributions; and adjustments resulting from the conversion of overseas branch office financial reports. 9. The data of time deposit can not be displayed temporary. 10. Estimates of Reserves The estimates are derived from the general reserve, designated reserves and retained earnings accounts. 11. Data downloading process •

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

Data Laporan Bulanan Bank Umum (LBU) dan

is submitted by the reporting banks to Bank

Laporan Bulanan Bank Umum Syariah (LBUS) yang

Indonesia, and is processed using the Bank

disampaikan dari bank pelapor kepada Bank

Indonesia Banking Sector Management

Indonesia, diolah melalui Sistem Informasi

Information System. The time taken to

Manajemen Sektor Perbankan Bank Indonesia

download data from commercial banks

(SIMSPBI). Perbedaan waktu download data LBU

through the Bank Indonesia Banking Sector

melalui sistem SIMSPBI dapat menyebabkan

Management Information System can result

perbedaan pada data yang dipublikasikan ini

in variations of the data that is published in

dengan data publikasi yang lain. Oleh sebab itu,

this book, compared to other published data.

pembaca dihimbau untuk memperhatikan waktu

Therefore, readers are recommended to taken

download data.

into account the downloading time.

Pemrosesan data bulan laporan Februari 2010

The processing of the February 2010 monthly

untuk Publikasi Statistik Perbankan Indonesia Edisi

reports for the February 2010 edition of the

Februari 2010 dilakukan pada tanggal 1 April

Indonesian Banking Statistics was done on 1

2010.

April 2010.

12. Publikasi Publikasi Statistik Perbankan Indonesia juga

12. The Indonesian Bank Statistics Book is also

dilakukan melalui website Bank Indonesia

published via the Bank Indonesia website

(www.bi.go.id).

(www.bi.go.id).

vi


DAFT AR SINGKA TAN AFTAR SINGKAT

LIST OF ABREVIA TIONS ABREVIATIONS

APYD

: Aktiva Produktif Yang Diklasifikasikan

APYD

: Classified Earning assets

ATMR

: Aktiva Tertimbang Menurut Risiko

ATMR

: Risk Weighted Assets

BOPO

: Biaya Operasional terhadap

BOPO

: Operations Expenses to Operations

Pendapatan Operasional

Income

BPD

: Bank Pembangunan Daerah

BPD

: Regional Development Bank

CAR

: Capital Adequacy Ratio

CAR

: Capital Adequacy Ratio

DPK

: Dana Pihak Ketiga

DPK

: Third Party Funds

KAP

: Kualitas Aktiva Produktif

KAP

: Earning assets Qualtiy

KBAB

: Kewajiban Bersih Antar Bank

KBAB

: Inter-Bank Net Liabilities

KP

: Kantor Pusat

KP

: Head Office

KC

: Kantor Cabang

KC

: Branch Office

KCP

: Kantor Cabang Pembantu

KCP

: Sub-Branch Office

KK

: Kantor Kas

KK

: Cash Office

KPW

: Kantor Perwakilan

KPW

: Representative Office

LBU

: Laporan Bulanan Bank Umum

LBU

: Commercial Bank Monthly Report

LDR

: Loan to Deposit Ratio

LDR

: Loan to Deposit Ratio

NIM

: Net Interest Margin

NIM

: Net Interest Margin

NPL

: Non Performing Loan

NPL

: Non-Performing Loan

PPAPYD : Penyisihan Penghapusan Aktiva Produktif yang Dibentuk

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

PPAPWD : Penyisihan Penghapusan Aktiva Produktif yang Wajib Dibentuk ROA

: Return on Asset

Reserve ROA

SIMSPBI : Bank Indonesia Banking Sector

SIMSPBI : Sistem Informasi Manajemen Sektor Perbankan Bank Indonesia UKM

: Usaha Kecil Menengah

UMKM

: Usaha Mikro Kecil Menengah

: Return on Assets

Management Information System UKM

: Small/Medium-Scale-Enterprise Industry

UMKM

: Small/Medium/Micro-Enterprise Industry (SMEs)


vii

DAFT AR ISTILAH AFTAR

LIST OF TERMS

Aktiva Produktif : Penanaman dana Bank baik

APYD

Earning assets

dalam Rupiah maupun valas

foreign currency by a Bank to the

dalam bentuk kredit, surat

form of credits, money instruments,

berharga, penempatan dana

inter-bank placements, equity

antar bank, penyertaan, termasuk

participation, including commitments

komitmen dan kontinjensi pada

and contingencies of the off-balance

transaksi rekening administratif.

sheet account.

: Aktiva produktif baik yang sudah maupun

yang

mengandung

potensi

tidak

memberikan

Classified

have the potential to not pro-

Assets

vide a profit or could even incur a

Assets

: Terdiri dari :

Call Money BI

viii

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

bobot sesuai kadar risiko kredit

the level of risk of the credit

yang melekat

in question.

2. beberapa pos dalam off-

2. Several accounts in the off-

balance sheet yang diberikan

balance sheet that are ranked

bobot sesuai dengan kadar

according to the level of risk of

risiko kredit yang melekat

the credit in question.

: Penempatan dana pada Bank

BI Call Money

: Fund placements at Bank Indonesia

Indonesia dalam bentuk call

in the form of call money,

money yang merupakan intervensi

representing a rupiah intervention

rupiah oleh Bank Indonesia dalam

by Bank Indonesia as part of open

rangka operasi pasar terbuka

market operations (OPT). Third Party

: Simpanan pihak ketiga bukan

Funds

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

bank yang terdiri dari Giro,

savings deposit and time

Tabungan

deposit.

dan

Simpanan

berjangka Kredit

: Consists of:

1. aktiva neraca yang diberikan

(OPT) DPK

loss. Risk Weighted

kerugian

: Earning assets that do not, or

Productive

penghasilan atau menimbulkan

ATMR

: The investment of either Rupiah or

Credit

: The provision of funds or related

: Penyediaan uang atau tagihan

claims based on an agreement or

yang dapat dipersamakan dengan

contract to borrow/loan funds

itu, berdasarkan persetujuan atau

between banks and another party

kesepakatan pinjam-meminjam

that obliges the borrower to pay


DAFT AR ISTILAH AFTAR

LIST OF TERMS

antara Bank dengan pihak lain

off his/her debt according to a

yang mewajibkan pihak peminjam

designated schedule and interest

untuk melunasi utangnya setelah

charges, including:

jangka waktu tertentu dengan

1. The purchase of Money

pemberian bunga, termasuk :

Instruments

1. Pembelian Surat Berharga

complete with a Note Purchase

nasabah yang dengan

Note

dilengkapi

by

clients,

Agreement (NPA).

Purchase

2. The transfer of claims involved

Agreement (NPA)

in factoring activities.

2. Pengambilalihan tagihan dalam rangka kegiatan anjak piutang

Channelling Credit

: Credit in rupiah or foreign

Penerusan Kredit : Kredit dalam rupiah maupun valas

currency that is from another party

yang disalurkan oleh bank yang

that is disbursed by a bank,

dananya berasal dari pihak lain,

wherein the bank does not bear

dan atas penyaluran kredit

any

tersebut bank tidak menanggung

disbursement. Channelling credits

risiko. Penerusan kredit ini

are recorded in the off-balance

dibukukan

sheet.

pada

rekening

risk

for

the

credit

administratif (off-balance sheet)


ix

DAFT AR RASIO AFTAR

CAR

x

= (Modal) / ATMR (sesuai SE No.6/23/DPNP anggal 31 Mei 2004) Modal, terdiri dari : 1. Modal Inti 2. Modal Pelengkap 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 (maksimal 1,25% dari ATMR) 3. Modal pinjaman


LIST OF RA TIOS RATIOS

CAR

= (Capital) / RWA (pursuant to Circular Letter No. 6/23/DPNP dated May 31, 2004) Capital, consist of: 1. Tier One Capital 2. Supplementary capital Tier One Capital consist of: 1. Paid-In Capital 2.Additional capital reserves, consisting of: a. Plus Factors: 1. Agio 2. Capital contributions 3. General reserves 4. Designated reserves 5. Last year’s earnings after taxes 6. Current year’s earnings after taxes (50%) 7. Positive adjustment resulting from the conversion of overseas branch office financial reports. 8. Paid-In Capital b. Minus Factors: 1. Disagio 2. Retained losses 3. Current earnings 4. Negative adjustment resulting from the conversion of overseas branch office financial reports. 5. Decrease in value of portfolio equity investments that are ready to be sold. Tier one capital is calculated minus goodwill. Supplementary capital consists of: 1. Fixed assets re evaluation reserve 2. PPAP general reserve (maximum 1.25% of RWA) 3. Borrowed capital 4. Subordinated loans (maximum 50% of tier one capital)

DAFT AR RASIO AFTAR

4. Pinjaman subordinasi (maksimal 50% dari modal inti) 5. Peningkatan nilai penyertaan pada portofolio yang tersedia untuk dijual setinggi-tingginya sebesar 45%. Rasio KAP

= APYD / Total Aktiva Produktif (sesuai SE No.6/23/DPNP anggal 31 Mei 2004)

Rasio ROA

= Laba Sebelum Pajak disetahunkan / Rata-rata total aset (sesuai SE No.6/23/DPNP tanggal 31 Mei 2004)

Rasio BOPO = Total beban operasional / Total pendapatan operasional Rasio dihitung per posisi (tidak disetahunkan) (sesuai SE No.6/23/DPNP anggal 31 Mei 2004) Rasio Aktiva -Pasiva = Aktiva Likuid < 1 bulan / Pasiva Likuid < 1 bulan Aktiva Likuid < 1 bulan, terdiri dari: 1. Kas 2. Giro BI 3. SBI 4. Antar Bank Aktiva (giro, deposit on call, call money) Pasiva Likuid < 1 bulan, terdiri dari: 1. Giro 2. Tabungan 3. Deposito 4. Kewajiban segera 5. Kewajiban pada bank lain (giro, deposit on call, call money) (sesuai SE No.6/23/DPNP tanggal 31 Mei 2004) Rasio LDR = Kredit / Dana Pihak Ketiga Kredit merupakan total kredit yang

LIST OF RA TIOS RATIOS

5. Increase in the value of portfolio investments that are ready to be sold at the highest 45%. Earning assets Quality Ratio = Classified Earning Assets / Total Earning Assets (pursuant to Circular Letter No. 6/23/ DPNP dated May 31, 2004) Return on Assets Ratio = Annual Profit before taxes / Average Assets (pursuant to Circular Letter No. 6/23/ DPNP dated May 31, 2004) Operations Expenses / Operations Income = Operations expenses / Operations Income for the same period. (pursuant to Circular Letter No. 6/23/ DPNP dated May 31, 2004) Liquid Asset to liquid Liabilities Ratio = Liquid Asset < 1 month / Liquid Liabilities < 1 month Liquid Asset < 1 month, consist of: 1. Cash 2. Demand deposit on BI 3. Certificate of Bank Indonesia 4. Inter Bank Asset (demand deposit, deposit on call, call money) Liquid Liabilities < 1 month, consist of: 1. Demand deposit 2. Savings deposit 3. Time deposit 4. Current liabilities 5. Liabilities to other bank (demand deposit, deposit on call, call money) (pursuant to Circular Letter No. 6/23/DPNP dated May 31, 2004)


xi

diberikan kepada pihak ketiga (tidak termasuk antar Bank) Dana Pihak Ketiga mancakup giro, tabungan, dan deposito (tidak termasuk antar Bank) (sesuai SE No.6/23/DPNP anggal 31 Mei 2004) LDR = Total Kredit / (Penghimpunan Dana + Modal Inti) Total Kredit, merupakan kredit yang diberikan kepada masyarakat dan bank lain Penghimpunan Dana, terdiri dari : 1. Simpanan pihak ketiga 2. Bank Indonesia 3. ABP lebih dari 3 bulan 4. Pinjaman yang diterima lainnya lebih dari 3bulan 5. Modal Pinjaman (sesuai SK Dir No.30/12/KEP/DIR tanggal 30 April 1997 - untuk BPR) Rasio NPL = (Kredit dalam kualitas Kurang lancar, Diragukan dan Macet) / Total Kredit Rasio NIM = Pendapatan Bunga Bersih / Rata-Rata Aktiva Produktif Pendapatan Bunga Bersih = Pendapatan Bunga – Beban Bunga perhitungan pendapatan bunga bersih disetahunkan. (sesuai SE No.6/23/DPNP tanggal 31 Mei 2004)

xii


Loan to Deposit Ratio = Credit / Third Party Funds Credit is total credit to third party (not including third party bank) Third Party Funds consist of Demand deposit, savings deposit and time deposits (not including interbank) (pursuant to Circular Letter No. 6/23/DPNP dated May 31, 2004) Loan to Deposit Ratio = Total Credit / (Collection of fund + tier one capital) Total Credit is total credit to third party and other bank Collection of fund, consist of : 1. third party deposit 2. Bank Indonesia 3. ABP more than three months 4. Loan received with maturity of more than three months 5. Loan Capital (pursuant to Circular Letter No. 30/12/KEP/DIR dated April 30,1997 - on BPR) Non-Performing Loan Ratio = Credits that are sub-standard, doubtful and loss) / Total Credits Net Interest Margin Ratio = Net Interest Income / Average Earning assets Net Interest Income = Interest Income –Interest charges Annual net interest income is used for the calculation of NIM (pursuant to Circular Letter No.6/23/DPNP dated May 31, 2004)

DAFT AR TABEL / LIST OF TABLES AFTAR DAFTAR TABEL / LIST OF TABLES Topik / Judul

No.

No. Tabel/Tables

Halaman/ Pages

DATA 1.

Kegiatan Usaha Perbankan

2

Bank Industries Operation DATA BANK UMUM 2.

COMMERCIAL BANK DATA Kegiatan Usaha Bank Umum

1.1 s.d 1.7

4

1.8 s.d 1.14

11

1.15 s.d 1.21

18

1.22 s.d 1.29

25

1.30

33

Commercial Banks Operation 3.

Laporan Laba/Rugi Bank Umum Commercial Banks Income Statement

4.

Rekening Administratif Bank Umum Commercial Banks Off balance-sheet

5.

Kinerja Bank Umum Commercial Banks Performance

6.

Jumlah Bank Umum Berdasarkan TIngkat Rasio Commercial Bank Based on Ratios

7.

Aset Bank Umum

1.31 s.d 1.33

Commercial Banks Assets a. Perkembangan Aset Bank Umum

1.31

34

1.32

35

1.33

36

1.34 s.d 1.40

37

1.41

44

1.42 s.d 1.49

45

1.50 s.d 1.57

53

1.58

61

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

Aktiva Produktif Bank Umum Commercial Banks Earning Assets

9.

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


xiii


No.

No. Tabel/Tables

Halaman/ Pages

NPL based on Location of Bank e. NPL Kredit yang penarikannya menggunakan kartu

1.59

62

1.60 s.d 1.63

63

1.64

67

1.65 s.d 1.71

68

1.72

75

1.73 s.d 1.74

76

1.75 s.d 1.81

78

1.82

85

1.83 s.d 1.84

86

1.85

88

1.86

89

2.1 s.d 2.3

92

2.4

95

2.5

96

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

xiv



No.

No. Tabel/Tables

Halaman/ Pages

Earning Assets of Sharia Banks 18. Komposisi DPK Perbankan Syariah

2.6

97

2.7

98

2.8 s.d 2.9

99

2.10 s.d 2.11

101

2.12

103

3.1

106

3.2

107

3.3 s.d 3.4

108

3.5 s.d 3.6

110

3.7

112

3.8

113

3.9

114

3.10

115

3.11 s.d 3.12

116

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


xv

DAFTAR TABEL / LIST OF TABLES Topik / Judul

No.

No. Tabel/Tables

Halaman/ Pages

Average of Credit Interest Rates of Rural Banks 30. Perkembangan Jumlah Bank dan Kantor Bank Growth of Total Rural Banks and Bank Offices a. Perkembangan Jumlah BPR

3.13

118

3.14

119

4.1 s.d 4.8

122

4.9 s.d 4.16

130

4.17

138

4.18

139

4.19

140

4.20 s.d 4.21

141

4.22

143

4.23 s.d 4.25

144

4.26 s.d 4.28

147

4.29 s.d 4.33

150

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

xvi


DATA

2 Indonesian Banking Statistics - Vol. 8, No. 3, February 2010

Statistik Perbankan Indonesia - Vol. 8, No. 3, Februari 2010

Miliar Rp (Billion Rp)

Tabel 1 Kegiatan Usaha Perbankan (Bank Industries Operation) Indikator (Indicator)

Des

Des

Des

2009

Des

2005 2006 2007 2008 Feb Penyaluran Dana (Distribution of Funds) Bank Umum (Commercial Banks) Bank Perkreditan Rakyat (Rural Banks) SBI dan SBIS 1

1.140.278 18.096 54.256

1.380.373 2.015.221 21.904 26.549 179.045

166.518

2.015.221 2.055.482 31.313 31.756 166.518

Mar 2.072.521 31.282

216.538

208.106

Apr

Mei

2.049.895 2.055.448 31.724 31.989 211.152

195.400

Jun

Jul

2010 Ags

Sep

Okt

Nov

2.120.583 33.760

2.151.440 34.640

2.200.646 35.181

193.171

182.436

190.412

199.442

2.101.682 2.083.944 2.135.083 32.398 32.999 33.396 204.229

194.400

Des

Jan

2.281.572 2.251.588 36.076 36.397 245.381

Feb 2.271.026 36.938

241.124

237.447

Sumber Dana (Source of Funds) Bank Umum (Commercial Banks) Bank Perkreditan Rakyat (Rural Banks)

1.283.480 15.453

1.468.369 1.990.345 18.733 22.629

1.990.345 2.007.997 26.345 26.873

2.016.788 26.520

1.993.826 1.989.812 26.950 27.066

2.028.568 2.006.177 2.051.898 27.414 27.839 28.200

2.052.457 28.528

2.053.403 29.130

2.094.344 29.600

2.129.734 2.126.308 30.367 30.736

2.123.587 31.307

Jumlah Aset (Total Assets) Bank Umum (Commercial Banks) Bank Perkreditan Rakyat (Rural Banks)

1.469.827 20.393

1.693.850 1.986.501 23.045 27.741

2.310.557 2.343.741 32.533 32.703

2.352.110 32.681

2.327.383 2.309.821 33.046 33.259

2.353.136 2.331.404 2.384.626 33.765 34.278 34.762

2.388.616 35.221

2.393.983 36.055

2.439.731 36.704

2.501.830 2.502.016 37.554 37.891

2.517.014 38.494

Jumlah Bank (Total Banks) Bank Umum (Commercial Banks) 2 Bank Perkreditan Rakyat (Rural Banks)

131 2.009

130 1.880

130 1.817

124 1.772

123 1.768

123 1.768

122 1.758

122 1.757

122 1.760

122 1.760

122 1.763

121 1.765

121 1.744

121 1.746

121 1.733

121 1.735

121 1.718

Jumlah Kantor (Total Bank Offices) Bank Umum (Commercial Banks) Bank Perkreditan Rakyat (Rural Banks)

8.236 3.110

9.110 3.173

9.680 3.250

10.868 3.367

12.035 3.401

12.047 3.408

12.201 3.417

12.500 3.422

12.556 3.430

12.571 3.435

12.616 3.446

12.652 3.454

12.763 3.465

12.795 3.617

12.837 3.644

12.870 3.663

12.914 3.671

Ket : 1 Sertifikat Bank Indonesia Syariah 2 Merger Bank Lippo & Bank Niaga menjadi Bank CIMB Niaga,Tbk sesuai SK No. 10/66/KEP.GBI/2008 tanggal 15 Oktober 2008 (bulan Jan & Feb 2009)

DATA BANK UMUM




Tabel 1.1 Kegiatan Usaha Bank Umum (Commercial Banks Operation) Indikator (Indicator)

Des

Des

Des

2005 2006 2007 2008 Penyaluran Dana (Distribution of Funds) a. Kredit (Credit) 1) Rupiah Valas (Foreign Exchange) b. Antar Bank (Inter-Bank) Giro (Demand Deposit) Inter Bank (Call Money) Deposito (Times Deposits) Lainnya (Others) c. Penempatan di BI (Placements at BI) Giro (Demand Deposit) SBI (BI Notes) Call Money Lainnya (Others) d. Surat Berharga (tidak termasuk obligasi rekap) (Securities (not including recapitalization bonds) e. Penyertaan (Equity Participation) f. Tagihan Lainnya (Other Claims) Sumber Dana (Source of Funds) a. DPK (Third Party Funds) Rupiah Giro (Demand Deposits) Deposito (Times Deposits) Tabungan (Savings Deposits) Valas (Foreign Exchange) Giro (Demand Deposits) Deposito (Times Deposits) Tabungan (Savings Deposits) b. Kewajiban kpd BI (Liabilities owed to) c. Antar Bank (Inter-Bank) d. Surat Berharga (Securities) e. Pinjaman yang Diterima (Loans received) Rupiah Valas (Foreign Exchange) f. Kewajiban Lainnya (Other Liabilities) g. Setoran Jaminan (Guarantee Deposits) Beberapa Komponen Modal (Components of Capital) a. Modal Disetor (Paid-In Capital) b. Cadangan (Reserves) c. L/R tahun berjalan (Current Earnings /Loss) d. L/R tahun lalu (Retained Earnings/Loss) e. Perkiraan tambahan modal disetor (Esimates of Additional Paid-In Capital) f. Modal pinjaman (Loan Capital) 1)

Lihat Penjelasan hal iii

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

2009

Des Feb

Mar

Apr

Mei

Jun

Jul

2010 Ags

Sep

Okt

Nov

Des

Jan

Feb

792.297 1.002.012 1.307.688 1.301.844 1.305.389 1.297.635 1.305.377 1.335.041 1.338.116 1.365.942 1.366.076 1.377.561 1.397.578 1.437.930 1.405.640 1.428.788 638.500 791.605 1.054.289 1.041.704 1.060.645 1.074.594 1.091.831 1.119.758 1.125.668 1.149.193 1.165.757 1.179.103 1.199.840 1.228.656 1.205.660 1.229.309 153.798 210.407 253.399 260.140 244.744 223.041 213.546 215.283 212.449 216.750 200.319 198.458 197.738 209.273 199.980 199.479 156.906 139.777 213.779 231.843 236.912 223.362 233.789 229.413 219.991 236.257 252.866 240.990 262.571 261.474 246.537 255.926 9.051 11.562 40.318 46.380 47.038 38.317 44.264 35.314 31.453 38.058 45.469 37.283 50.351 68.086 37.092 47.539 83.314 58.717 81.435 94.216 100.270 99.376 105.945 109.869 102.667 110.018 117.435 117.104 128.642 110.883 124.783 130.934 20.086 12.435 20.436 19.133 20.041 22.491 22.094 19.372 21.265 22.173 22.171 21.146 21.215 20.746 24.402 24.017 44.455 57.064 71.589 72.114 69.562 63.178 61.486 64.857 64.606 66.008 67.790 65.456 62.363 61.758 60.259 53.436 343.455 418.269 322.333 342.040 341.002 350.511 332.449 348.868 333.377 339.688 319.983 353.491 347.508 397.897 420.821 405.479 125.791 167.566 83.927 87.907 86.098 86.633 86.577 86.033 88.722 89.871 92.752 92.492 97.501 101.364 102.007 110.925 179.045 203.863 166.518 216.538 208.106 211.152 195.400 204.229 194.400 193.171 182.436 190.412 199.442 212.116 241.124 237.447 21.216 35.727 49.799 24.596 27.917 36.132 35.119 41.214 36.029 39.948 29.183 50.155 32.334 60.758 67.003 48.163 17.403 11.114 22.090 12.999 18.880 16.594 15.353 17.392 14.226 16.698 15.612 20.432 18.232 23.659 10.686 8.945 55.988 5.924 25.803

108.007 5.620 28.835

113.851 6.626 50.944

127.572 6.854 45.329

132.974 7.031 49.213

132.011 6.685 39.691

140.171 6.907 36.755

142.418 7.031 38.912

141.458 8.856 42.145

141.604 9.392 42.200

133.517 9.573 38.568

130.534 9.802 39.063

144.062 9.945 38.983

134.960 10.010 39.908

128.161 10.565 39.865

127.333 10.744 42.756

1.127.937 1.287.102 1.510.834 1.753.292 1.771.098 1.786.157 1.780.918 1.783.644 1.823.811 1.806.621 1.847.038 1.857.251 1.864.084 1.896.952 1.973.042 1.948.890 1.931.638 930.160 1.093.445 1.284.797 1.460.443 1.461.268 1.476.229 1.486.074 1.490.470 1.532.453 1.516.073 1.544.834 1.553.587 1.565.937 1.578.719 1.656.625 1.636.900 1.621.246 193.854 249.564 309.335 307.743 296.132 306.440 318.118 307.896 322.879 310.550 332.449 322.254 320.491 324.641 332.729 331.826 317.702 455.038 510.008 540.982 675.983 706.408 710.330 704.041 716.659 727.752 724.064 727.176 730.861 741.724 738.416 758.280 760.910 768.730 281.268 333.873 434.480 476.717 458.728 459.459 463.916 465.915 481.822 481.459 485.210 500.472 503.722 515.662 565.616 544.164 534.814 197.777 193.657 226.037 292.849 309.830 309.928 294.844 293.174 291.358 290.548 302.204 303.665 298.146 318.233 316.417 311.989 310.392 87.558 88.447 96.216 122.257 132.721 130.519 124.716 123.243 123.926 126.563 134.657 138.169 127.814 139.738 133.159 132.824 131.621 109.995 105.155 125.726 148.722 152.545 146.411 138.028 137.361 134.349 130.047 133.818 129.802 134.609 139.630 143.429 137.870 137.716 224 55 4.095 21.870 24.564 32.997 32.100 32.570 33.083 33.938 33.729 35.693 35.724 38.865 39.829 41.295 41.055 11.874 10.807 9.105 11.272 13.161 15.399 12.112 9.704 8.413 8.297 7.755 8.064 7.818 8.304 8.028 7.771 7.593 99.417 119.454 137.790 158.648 158.729 157.377 140.462 139.853 135.734 135.233 135.848 125.179 123.401 128.881 134.543 113.563 121.948 13.411 14.942 17.333 14.301 14.545 14.490 14.463 15.253 16.630 17.133 17.327 13.938 14.931 14.934 14.918 13.662 13.639 11.406 12.883 14.319 12.949 13.472 9.828 10.831 10.420 12.528 10.340 11.918 17.063 15.428 12.766 21.553 22.753 25.272 8.508 7.023 8.023 8.395 8.473 8.400 8.415 8.069 7.741 7.780 7.801 8.147 8.122 8.094 13.131 13.540 13.630 2.898 5.860 6.296 4.554 4.999 1.427 2.416 2.350 4.787 2.560 4.116 8.916 7.306 4.672 8.422 9.213 11.642 16.192 19.913 24.893 34.663 31.844 28.608 30.060 25.256 25.621 22.874 26.595 25.370 22.484 27.310 22.874 15.076 19.108 3.242 3.267 4.691 5.220 5.148 4.930 4.979 5.683 5.831 5.679 5.417 5.593 5.256 5.197 5.977 4.594 4.389 69.548 10.649 24.897 -18.478

73.046 13.997 28.334 -6.880

78.928 18.696 35.015 1.736

86.283 21.765 30.606 35.346

86.469 21.800 7.684 66.814

86.546 21.792 12.243 65.414

87.853 22.116 15.667 62.344

88.073 22.913 19.456 55.472

88.739 24.877 23.314 50.072

89.840 25.408 27.136 53.318

89.808 25.424 30.734 53.303

93.401 24.193 34.267 53.248

94.245 24.067 38.323 53.245

94.263 24.067 41.389 53.110

96.301 24.054 45.215 52.805

96.668 24.078 5.063 100.023

96.823 24.075 9.528 99.194

37.082 14.464

42.248 14.946

45.413 14.863

37.815 1.047

37.179 1.130

38.234 1.374

42.101 1.571

43.677 1.599

43.934 1.245

39.045 1.186

38.722 1.467

39.501 1.479

39.125 990

39.659 1.159

40.958 1.454

41.040 1.209

40.720 1.236

Indonesian Banking Statistics - Vol. 8, No. 3, February 2010



Tabel 1.2 Kegiatan Usaha Bank Persero (State Owned Banks Operation) Indikator (Indicator)

Des

Des

Des

2005 2006 2007 2008 Penyaluran Dana (Distribution of Funds) a. Kredit (Credit) Rupiah Valas (Foreign Exchange) b. Antar Bank (Inter-Bank) Giro (Demand Deposit) Inter Bank (Call Money) Deposito (Times Deposits) Lainnya (Others) c. Penempatan di BI (Placements at BI) Giro (Demand Deposit) SBI (BI Notes) Call Money Lainnya (Others) d. Surat Berharga (tidak termasuk obligasi rekap) (Securities (not including recapitalization bonds) e. Penyertaan (Equity Participation) f. Tagihan Lainnya (Other Claims) Sumber Dana (Source of Funds) a. DPK (Third Party Funds) Rupiah Giro (Demand Deposits) Deposito (Times Deposits) Tabungan (Savings Deposits) Valas (Foreign Exchange) Giro (Demand Deposits) Deposito (Times Deposits) Tabungan (Savings Deposits) b. Kewajiban kpd BI (Liabilities owed to) c. Antar Bank (Inter-Bank) d. Surat Berharga (Securities) e. Pinjaman yang Diterima (Loans received) Rupiah Valas (Foreign Exchange) f. Kewajiban Lainnya (Other Liabilities) g. Setoran Jaminan (Guarantee Deposits) Beberapa Komponen Modal (Components of Capital) a. Modal Disetor (Paid-In Capital) b. Cadangan (Reserves) c. L/R tahun berjalan (Current Earnings /Loss) d. L/R tahun lalu (Retained Earnings/Loss) e. Perkiraan tambahan modal disetor (Esimates of Additional Paid-In Capital) f. Modal pinjaman (Loan Capital)

2009

Des Feb

Mar

Apr

Mei

Jun

Jul

2010 Ags

Sep

Okt

Nov

Des

Jan

Feb

256.413 287.910 356.151 470.665 471.491 480.597 484.482 491.163 511.883 512.725 523.875 518.113 524.081 531.249 544.870 529.897 536.471 204.534 231.582 282.055 396.024 395.767 407.707 418.172 428.590 446.745 449.066 459.823 462.235 468.315 475.346 486.859 474.772 480.957 51.879 56.328 74.095 74.641 75.724 72.889 66.310 62.572 65.139 63.659 64.052 55.878 55.765 55.902 58.011 55.126 55.514 44.496 47.679 41.287 62.023 64.095 74.349 67.971 75.054 73.782 70.789 85.752 89.142 80.929 94.593 99.401 80.727 82.511 2.298 2.706 3.515 12.447 15.814 20.972 15.496 18.161 12.834 9.875 17.458 22.799 19.658 27.878 35.572 15.567 22.808 28.756 29.772 15.574 26.395 23.652 26.643 29.342 34.531 36.868 34.745 39.236 36.023 34.307 41.792 39.551 38.737 42.487 3.773 3.994 3.187 3.728 5.218 5.970 5.367 4.766 3.784 3.946 4.558 4.724 4.336 4.467 4.228 7.192 4.864 9.668 11.207 19.010 19.453 19.412 20.765 17.767 17.596 20.295 22.225 24.499 25.597 22.629 20.456 20.050 19.231 12.352 72.469 101.745 151.828 114.991 98.399 84.784 91.037 85.656 92.685 86.544 81.746 73.588 88.335 84.639 135.860 140.724 129.919 41.850 52.290 78.113 33.759 31.105 30.840 30.755 30.792 31.404 32.362 32.249 32.074 32.644 32.352 39.818 42.549 50.565 10.121 29.736 46.200 36.763 53.260 34.290 39.981 32.491 34.828 32.120 28.269 26.810 23.879 31.161 42.320 61.160 53.734 14.911 9.649 20.758 34.014 8.789 11.643 16.165 16.934 20.893 16.615 15.472 11.528 24.670 15.629 43.835 35.584 22.156 5.587 10.070 6.756 10.455 5.245 8.011 4.135 5.439 5.559 5.447 5.756 3.176 7.141 5.497 9.887 1.430 3.465 10.920 3.327 13.512

11.093 2.872 10.331

29.617 1.922 10.372

28.742 1.842 14.258

29.301 1.785 12.023

30.188 1.839 17.470

30.438 1.886 11.219

33.508 1.924 10.364

33.544 1.925 12.163

34.783 1.876 13.801

34.594 1.896 14.118

30.931 1.918 11.756

29.657 1.943 12.730

41.298 1.958 12.515

35.425 2.000 13.796

25.709 2.503 13.822

28.324 2.514 15.987

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

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

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

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

645.356 562.334 106.478 238.891 216.965 83.022 32.841 42.359 7.822 5.313 51.859 5.640 3.855 3.575 281 6.730 2.942

654.751 570.032 104.215 247.413 218.404 84.719 34.842 41.705 8.172 4.849 52.755 5.555 3.793 3.521 272 7.132 2.861

657.564 575.604 109.562 246.250 219.791 81.960 32.553 41.854 7.552 4.815 45.435 5.477 4.859 3.502 1.357 7.949 2.701

659.249 578.099 102.336 256.787 218.976 81.149 30.470 42.852 7.828 4.806 49.238 6.259 4.472 3.152 1.321 7.115 2.786

684.450 602.718 110.553 261.945 230.220 81.732 30.094 43.296 8.342 4.786 47.467 8.324 6.350 3.043 3.306 7.392 3.093

677.812 595.462 107.965 259.643 227.854 82.350 30.453 43.704 8.194 4.946 52.165 8.316 4.072 2.802 1.269 7.025 2.973

696.359 601.983 112.458 261.615 227.910 94.376 39.483 46.791 8.102 4.801 49.112 8.490 5.626 2.821 2.805 7.863 2.667

694.161 604.474 107.455 260.910 236.108 89.687 37.784 43.219 8.685 4.645 42.740 5.059 10.825 3.166 7.659 7.351 2.904

699.218 610.300 108.399 265.130 236.771 88.918 31.472 48.713 8.733 4.544 43.626 5.009 9.196 3.132 6.064 7.165 2.892

720.979 619.085 110.569 265.927 242.589 101.894 37.455 55.177 9.262 4.565 45.425 5.010 6.767 3.325 3.443 8.003 2.901

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

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

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

27.439 27.751 5.933 8.097 9.185 9.644 -13.528 -12.107

28.572 10.837 13.332 -10.772

29.965 12.363 13.159 7.508

29.965 12.397 2.778 21.418

29.965 12.363 4.017 20.663

29.965 12.359 5.136 20.662

29.978 12.761 6.354 18.136

29.992 13.201 8.101 17.601

29.992 13.731 9.218 14.714

29.992 13.734 10.550 14.727

26.992 12.502 11.579 14.704

26.993 12.410 13.361 14.704

27.000 12.410 14.650 14.704

28.179 12.402 18.050 14.300

28.179 12.402 1.691 32.446

28.179 12.402 3.404 31.825

9.815 13.844

15.864 13.908

11.961 -

12.210 -

12.459 -

13.081 -

13.429 -

13.650

14.223 -

14.143 -

14.280 -

14.089 -

14.635 -

15.398 -

15.135 -

14.766 -

13.145 13.844

-

5




Tabel 1.3 Kegiatan Usaha BUSN Devisa (Foreign Exchange Commercial Banks Operation) Indikator (Indicator)

Des

Des

Des

Des


2009 Feb

Mar

Apr

Mei

Jun

Jul

2010 Ags

277.591 315.256 407.742 524.295 509.396 502.127 498.159 497.546 505.360 501.951 510.840 248.996 276.768 351.351 452.613 437.822 439.207 441.137 441.600 447.973 446.281 452.929 28.594 38.488 56.390 71.682 71.574 62.920 57.022 55.946 57.388 55.670 57.911 48.464 45.908 37.716 57.016 62.982 58.091 58.201 63.312 57.750 58.726 58.736 4.965 3.514 3.191 21.825 24.884 19.789 17.008 21.114 16.171 16.257 15.322 27.163 23.795 16.692 16.350 18.843 20.693 22.743 25.197 23.504 24.439 26.782 4.455 3.887 2.783 5.355 5.503 4.393 4.994 4.804 5.197 5.815 4.879 11.882 14.712 15.050 13.486 13.751 13.216 13.455 12.198 12.877 12.216 11.753 75.913 133.141 146.616 116.730 139.126 145.405 145.760 142.162 149.022 144.767 151.561 43.510 49.313 54.966 32.354 39.261 37.410 38.061 37.553 36.910 38.029 38.929 15.898 79.344 83.476 73.834 94.328 101.662 97.026 95.542 104.048 95.384 98.682 14.788 4.484 8.148 6.909 4.934 5.402 8.902 7.451 5.336 8.096 11.648 1.716 26 3.633 603 931 1.770 1.616 2.728 3.258 2.302 23.809 2.616 6.427 462.747 397.939 58.170 217.098 122.671 64.808 32.992 31.794 21 3.739 31.276 2.721 1.419 876 544 5.499 558

29.702 2.979 8.620 525.177 455.098 68.884 244.890 141.324 70.079 35.216 34.845 17 4.151 40.308 2.537 5.168 1.576 3.592 6.268 749

55.471 59.650 3.613 4.681 10.892 17.401 606.932 528.154 91.502 252.222 184.429 78.778 36.676 42.082 21 3.109 49.041 4.768 6.455 2.754 3.701 6.338 886

Sep

Okt

Nov

Des

Jan

Feb

518.445 462.286 56.159 63.619 16.467 28.047 5.966 13.138 146.950 42.274 98.247 3.384 3.045

519.464 463.016 56.448 59.730 11.252 30.572 5.294 12.612 161.474 41.193 107.484 10.355 2.443

532.020 474.967 57.053 66.340 14.913 32.450 6.266 12.712 166.048 46.731 111.076 5.142 3.099

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

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

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

69.968 4.966 16.089

72.289 5.087 15.851

71.389 4.690 14.941

73.254 4.873 13.789

75.727 4.996 14.356

74.127 6.870 15.179

75.192 7.386 15.977

72.246 7.544 15.032

70.114 7.718 14.534

69.578 7.846 14.771

69.002 7.888 14.500

68.946 7.925 13.525

67.551 8.092 13.700

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

717.938 606.359 86.499 321.224 198.637 111.578 50.523 55.643 5.413 4.085 50.629 5.619 8.106 3.388 4.718 10.086 894

711.545 600.180 88.561 313.512 198.107 111.365 45.425 52.502 13.438 5.326 46.418 5.649 4.525 3.370 1.156 9.282 801

709.138 599.959 90.314 309.302 200.342 109.179 46.227 49.441 13.511 4.665 37.970 5.693 4.428 3.369 1.059 10.163 910

711.150 602.236 90.259 309.301 202.675 108.914 46.994 48.373 13.547 3.292 36.707 5.720 4.398 3.368 1.030 9.751 943

719.751 612.995 97.669 308.852 206.474 106.756 47.365 45.531 13.860 2.826 37.600 5.701 4.671 3.190 1.481 10.007 873

715.713 608.529 92.917 308.232 207.380 107.184 49.284 43.816 14.084 2.694 33.473 5.631 4.535 3.244 1.291 8.333 892

729.446 621.437 103.252 307.462 210.723 108.009 49.537 44.474 13.998 2.386 34.672 5.650 4.545 3.234 1.311 9.520 916

738.571 625.657 100.042 309.021 216.594 112.913 53.402 44.397 15.113 3.012 38.366 5.649 4.480 3.223 1.257 10.825 879

737.653 629.160 98.207 312.578 218.374 108.493 48.661 44.682 15.150 2.622 33.977 6.457 4.471 3.229 1.242 8.793 894

755.441 641.396 105.063 313.639 222.693 114.046 53.000 45.522 15.523 2.655 35.877 6.459 4.456 3.227 1.230 12.164 949

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

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

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

22.490 2.462 9.294 -9.096

24.524 3.332 9.822 -925

25.523 27.969 4.646 5.186 11.735 4.809 4.468 14.948

28.075 5.186 2.166 19.494

27.494 5.191 3.556 19.614

28.683 5.193 4.921 18.932

28.683 5.323 6.057 17.376

28.873 6.161 6.978 14.878

29.909 6.060 8.519 21.371

29.883 6.066 9.906 21.348

36.798 6.067 11.491 21.096

36.438 6.047 12.748 21.094

36.713 6.047 13.715 21.065

36.846 6.047 14.205 21.284

36.821 6.123 1.695 35.487

36.976 6.123 3.408 35.485

27.146 155

28.197 229

28.848 150

26.289 100

26.652 100

29.582 100

30.432 100

30.771 100

24.925 100

24.885 100

25.331 100

25.223 0

25.235 5

25.660 224

25.948 205

26.032 200

26.893 0




Tabel 1.4 Kegiatan Usaha BUSN Non Devisa (Non-Foreign Exchange Commercial Banks Operation) Des

Des

Des

2009

Des

2010

Indikator (Indicator) 2005 2006 2007 2008 Penyaluran Dana (Distribution of Funds) a. Kredit (Credit) Rupiah Valas (Foreign Exchange) b. Antar Bank (Inter-Bank) Giro (Demand Deposit) Inter Bank (Call Money) Deposito (Times Deposits) Lainnya (Others) c. Penempatan di BI (Placements at BI) Giro (Demand Deposit) SBI (BI Notes) Call Money Lainnya (Others) d. Surat Berharga (tidak termasuk obligasi rekap) (Securities (not including recapitalization bonds) e. Penyertaan (Equity Participation) f. Tagihan Lainnya (Other Claims) Sumber Dana (Source of Funds) a. DPK (Third Party Funds) Rupiah Giro (Demand Deposits) Deposito (Times Deposits) Tabungan (Savings Deposits) Valas (Foreign Exchange) Giro (Demand Deposits) Deposito (Times Deposits) Tabungan (Savings Deposits) b. Kewajiban kpd BI (Liabilities owed to) c. Antar Bank (Inter-Bank) d. Surat Berharga (Securities) e. Pinjaman yang Diterima (Loans received) Rupiah Valas (Foreign Exchange) f. Kewajiban Lainnya (Other Liabilities) g. Setoran Jaminan (Guarantee Deposits) Beberapa Komponen Modal (Components of Capital) a. Modal Disetor (Paid-In Capital) b. Cadangan (Reserves) c. L/R tahun berjalan (Current Earnings /Loss) d. L/R tahun lalu (Retained Earnings/Loss) e. Perkiraan tambahan modal disetor (Esimates of Additional Paid-In Capital) f. Modal pinjaman (Loan Capital)

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

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

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

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

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

28.374 28.374 1.546 107 618 44 777 9.736 2.030 6.626 471 610

26.261 26.261 1.743 134 695 86 828 9.647 1.678 6.503 916 550

26.683 26.683 1.512 136 481 77 819 9.400 1.720 5.986 1.082 611

27.308 27.308 1.848 115 842 76 814 9.384 1.736 5.500 1.417 731

28.323 28.323 2.093 117 1.063 77 837 9.166 1.831 6.124 685 526

30.069 30.069 1.491 106 506 84 795 9.253 1.876 6.312 764 302

31.306 31.306 1.602 104 546 102 850 9.339 1.941 5.974 894 530

31.917 31.917 1.846 131 792 84 840 8.911 1.985 5.594 779 552

33.057 33.057 1.538 87 505 67 878 9.892 2.109 6.310 861 612

34.165 34.165 1.666 104 560 127 875 9.178 2.153 5.683 817 526

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

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

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

902 1 104

1.100 52

1.521 187

2.812 0 61

2.739 0 46

2.667 0 35

3.010 0 36

3.159 0 96

4.010 0 94

3.697 0 83

3.905 0 38

4.143 0 5

4.031 0 5

4.147 0 23

4.528 0 74

4.263 5 129

4.331 5 59

21.970 21.970 1.798 18.052 2.120 250 309 68 68 129 24

24.423 24.423 1.811 20.234 2.379 20 802 59 59 161 26

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

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

35.454 35.454 1.883 29.958 3.613 11 1.340 301 93 93 316 11

33.414 33.414 1.562 28.615 3.238 347 1.256 301 92 92 269 7

34.041 34.041 1.578 29.107 3.355 33 1.145 301 90 90 323 7

35.147 35.147 2.249 29.478 3.420 10 1.159 301 89 89 309 7

37.060 37.060 2.008 31.281 3.771 162 1.154 273 87 87 321 7

37.685 37.685 1.918 32.033 3.734 40 1.211 273 313 313 337 5

38.856 38.843 2.009 32.860 3.974 13 13 82 1.301 273 312 312 355 5

39.260 39.260 2.086 33.235 3.939 41 1.626 283 310 310 367 5

39.926 39.926 2.079 33.922 3.924 274 1.370 1.027 309 309 340 5

40.500 40.500 1.939 34.566 3.994 82 1.912 1.026 80 80 365 5

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

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

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

1.984 160 279 575

2.258 194 399 677

3.042 200 765 921

3.693 217 604 1.332

3.773 219 62 1.882

3.623 228 98 1.750

3.633 231 137 1.719

3.633 231 188 1.691

3.985 254 191 1.634

3.985 258 319 1.626

3.988 258 348 1.626

3.872 257 373 1.595

4.265 257 407 1.594

4.265 257 417 1.594

4.295 254 360 1.503

4.578 182 56 1.843

4.578 182 115 1.840

-6 64

46 87

47 256

-1 459

-21 379

19 627

36 626

93 626

13 378

91 378

73 628

123 644

67 444

55 444

89 528

120 331

101 331

7




Tabel 1.5 Kegiatan Usaha BPD (Regional Development Banks Operation) Indikator (Indicator)

Des

Des

Des


2009

Des Feb

Mar

Apr

Mei

Jun

Jul

2010 Ags

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

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

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

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

98.443 100.880 103.949 107.325 111.057 113.797 117.396 97.842 100.303 103.407 106.738 110.475 113.233 116.824 600 577 542 586 581 565 573 18.494 17.465 19.782 19.444 17.894 18.100 19.580 593 641 553 550 675 745 570 8.040 5.773 5.679 5.270 5.212 4.699 5.165 8.248 9.466 11.937 12.117 9.985 11.098 12.288 1.613 1.585 1.613 1.507 2.023 1.558 1.556 49.618 56.679 58.737 54.480 52.380 48.214 49.742 7.757 8.157 8.557 9.162 8.580 8.877 9.177 29.068 31.452 32.499 29.870 28.496 26.924 25.041 6.413 7.988 8.076 8.087 6.999 7.316 7.673 6.381 9.082 9.605 7.362 8.306 5.097 7.851

3.477 14 9

3.654 13 9

9.503 34 24

10.212 34 341

10.839 34 388

10.899 36 1.303

10.833 36 478

10.854 37 458

10.539 36 434

10.201 36 366

10.208 36 364

85.283 129.141 134.287 143.262 155.017 166.111 172.660 171.724 171.573 169.456 173.696 85.213 129.065 134.077 143.027 154.792 165.895 172.346 171.398 171.230 169.157 173.400 50.631 74.692 69.123 70.653 81.337 90.091 95.653 92.091 88.812 84.637 87.668 17.475 29.365 31.750 34.877 41.984 45.206 45.504 47.552 50.299 51.469 53.178 17.107 25.008 33.205 37.497 31.470 30.598 31.188 31.754 32.120 33.051 32.554 70 75 209 235 226 216 314 327 342 299 296 43 31 167 93 71 66 99 91 93 78 88 27 44 42 138 150 146 211 230 242 215 203 1 4 4 4 4 5 7 5 5 212 144 99 882 66 64 63 62 52 52 51 2.705 4.307 5.733 10.092 4.042 3.113 3.251 2.993 5.265 4.462 5.297 2.131 3.026 2.997 2.887 2.886 2.886 2.893 2.873 2.233 2.815 2.815 898 905 1.089 1.310 1.416 1.417 1.454 1.461 1.421 1.420 1.434 898 905 1.089 1.310 1.416 1.417 1.454 1.461 1.421 1.420 1.434 2.834 5.871 6.812 4.627 2.487 2.433 2.554 2.488 2.774 2.518 4.028 134 232 466 543 375 343 329 307 279 281 309 5.882 1.274 2.797 43 (45) 401

Sep

Okt

Nov

Des

Jan

Feb

119.667 121.874 123.260 120.754 120.372 122.361 119.119 121.333 122.732 120.244 119.875 122.082 549 540 528 510 497 279 19.759 18.665 17.018 22.312 17.726 21.921 906 1.036 885 970 816 1.324 6.153 4.893 4.563 8.392 4.944 7.519 11.186 11.228 10.240 11.434 10.358 11.439 1.515 1.508 1.330 1.516 1.609 1.640 46.337 48.747 41.939 32.609 41.162 40.486 8.714 8.803 8.643 8.793 8.008 7.980 22.673 22.314 17.374 10.645 12.641 15.642 6.281 7.656 7.102 6.191 14.940 14.648 8.669 9.975 8.821 6.980 5.574 2.216 10.072 36 404

9.745 36 397

9.766 36 358

9.750 36 434

8.130 37 458

8.322 36 464

173.873 175.135 168.015 152.251 160.376 164.539 173.215 174.472 167.415 151.425 159.626 163.826 85.313 84.429 77.911 63.553 70.395 72.769 54.088 55.155 52.968 44.148 49.709 53.486 33.813 34.888 36.536 43.724 39.522 37.571 658 663 599 826 750 713 444 427 330 294 249 236 209 230 263 525 494 463 5 6 6 7 8 14 50 50 49 41 39 39 5.673 5.841 5.842 13.084 7.028 6.874 2.847 2.340 2.340 2.340 2.340 2.340 1.448 1.452 1.463 1.559 1.380 1.486 1.448 1.452 1.463 1.559 1.380 1.486 2.225 2.487 2.811 4.453 960 686 326 353 374 554 441 359

7.136 1.782 3.908 -68

8.979 2.367 4.530 -75

9.903 3.072 5.751 22

9.903 3.072 1.278 6.136

9.920 3.073 1.952 5.597

10.028 3.395 2.412 3.840

10.235 3.661 3.132 2.336

10.344 4.124 3.722 369

10.409 4.221 4.197 20

10.401 4.228 4.722 14

10.444 4.229 5.114 14

10.795 4.193 5.697 14

10.806 4.192 6.242 1

11.501 4.190 6.488 4

11.610 4.210 940 7.044

11.610 4.207 1.583 6.959

51 331

28 220

-200 206

-307 231

-182 243

-128 474

-50 513

-152 409

-74 360

-93 386

-41 397

-0 212

-25 378

36 372

43 302

40 335




Tabel 1.6 Kegiatan Usaha Bank Campuran (Joint Venture Banks Operation) Indikator (Indicator)

Des

Des

Des

Des


2009

2010

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

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

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

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

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

77.618 32.618 45.000 15.370 3.923 7.179 120 4.148 18.978 2.801 15.366 658 154

85.471 38.391 47.079 16.292 2.768 9.910 127 3.487 20.730 3.072 16.226 1.136 297

81.120 38.138 42.982 14.366 3.461 7.471 116 3.317 23.230 2.988 18.755 1.015 472

80.250 38.879 41.371 16.205 3.134 9.817 331 2.923 21.293 3.108 17.323 657 204

78.761 38.752 40.009 15.383 3.840 8.509 329 2.705 21.904 3.120 16.316 2.249 220

77.534 38.764 38.770 13.658 3.288 7.292 323 2.756 22.338 3.086 17.918 1.212 121

79.506 39.368 40.138 13.731 2.720 7.962 345 2.703 23.083 3.090 18.492 1.244 258

78.930 41.474 37.456 15.237 2.938 9.310 211 2.778 19.966 3.192 13.551 3.055 168

81.288 43.645 37.643 16.924 3.747 10.436 221 2.520 19.942 3.298 14.325 2.060 260

80.303 42.357 37.947 18.094 4.189 11.419 115 2.370 20.167 3.027 15.992 1.077 71

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

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

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

2.527 122 2.321

2.073 36 2.328

3.262 37 2.523

3.726 40 4.727

3.825 40 5.288

3.728 41 4.889

4.578 41 4.644

5.306 41 3.852

5.702 42 4.213

5.624 42 4.466

5.940 42 4.296

5.908 43 3.907

6.264 73 4.003

5.763 73 3.969

5.907 73 4.117

7.084 82 4.747

6.394 83 4.952

34.484 15.411 3.251 11.784 376 19.073 8.294 10.779 13.060 402 101

35.927 16.112 2.715 12.173 1.224 19.815 7.410 12.405 14.048 416 175

54.934 26.779 4.112 21.197 1.471 28.154 9.155 18.999 17.644 588 134

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

81.419 39.623 4.773 31.710 3.139 41.797 12.468 28.245 1.084 0 19.115 99 1 1 2.667 90

89.663 48.386 5.863 38.523 4.000 41.277 12.873 27.607 797 48 20.828 99 2.367 99

86.651 49.210 5.579 39.815 3.816 37.441 12.358 24.377 706 0 20.527 99 2.130 85

86.950 49.268 5.203 40.220 3.846 37.681 12.229 24.775 677 0 19.054 99 1.563 85

86.579 48.300 5.595 38.848 3.857 38.279 13.149 24.438 692 0 18.270 99 1.314 86

84.638 47.122 5.662 37.578 3.883 37.516 12.933 23.738 845 11 18.446 99 1.151 101

86.908 49.555 6.769 38.560 4.226 37.353 12.023 24.421 909 0 19.138 99 1.171 134

87.885 50.053 6.548 39.446 4.059 37.832 12.291 24.431 1.110 3 15.514 99 1.024 123

91.768 52.440 6.971 41.513 3.956 39.328 12.615 25.651 1.062 4 16.201 99 976 120

91.205 50.991 7.610 39.432 3.949 40.214 13.111 23.975 3.128 4 16.756 99 952 119

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

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

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

8.377 820 1.370 485

8.002 592 1.561 1.786

9.434 646 1.656 3.579

10.673 927 2.026 4.920

10.673 927 494 6.914

11.464 937 725 7.207

11.464 937 948 7.256

11.464 937 1.085 7.224

11.464 1.138 1.282 6.879

11.464 1.138 1.331 6.879

11.464 1.138 1.484 6.879

11.464 1.138 1.598 6.879

11.924 1.160 1.826 6.879

11.650 1.160 1.939 6.907

11.650 1.160 2.129 6.900

11.650 1.160 217 9.150

11.650 1.160 374 9.142

-400 456

-343 329

-487 382

-511 419

-500 404

-444 370

-427 360

-453 357

-344 347

-372 353

-326 338

-343 334

-366 331

-369 329

-365 371

-366 371

(437) -

9




Tabel 1.7 Kegiatan Usaha Bank Asing (Foreign Owned Banks Operation) Indikator (Indicator)

Des

Des

Des

Des


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

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

2.588 43 3.213

8.367 23 4.462

92.057 36.423 9.495 24.087 2.841 55.634 22.416 33.218 18.334 2.336 679

2009 Feb

Mar

Apr

Mei

83.856 113.372 116.522 110.054 103.240 101.785 39.171 49.420 49.281 48.775 47.057 48.716 44.685 63.952 67.241 61.278 56.184 53.069 37.246 59.163 69.356 68.971 61.530 57.926 1.280 1.465 1.059 2.735 1.663 1.190 17.040 25.350 35.884 36.556 33.660 30.289 5 18.921 32.348 32.413 29.681 26.207 26.447 31.195 20.437 26.183 23.757 22.348 19.473 7.808 4.735 4.954 4.940 4.551 4.226 21.163 13.885 17.891 17.974 16.904 14.674 1.904 1.817 3.331 833 893 572 320 0 8 10 0 0 8.633 12 4.837

8.709 29 14.157

10.900 29 11.496

13.204 29 9.665

11.764 32 8.373

14.090 32 8.195

Jun

Jul

2010 Sep

Okt

99.657 102.040 103.018 47.490 48.254 48.943 52.166 53.786 54.075 62.511 57.226 56.857 1.678 1.183 1.884 34.713 30.987 30.326 26.120 25.057 24.647 23.711 22.262 24.217 4.187 4.493 4.486 14.419 15.743 16.713 5.053 2.026 3.017 52 0 2

99.005 48.727 50.278 63.262 2.229 37.110 23.923 24.231 4.514 15.560 4.156 1

97.796 49.735 48.062 63.204 1.504 36.391 25.309 25.100 4.444 16.101 4.554 2

96.581 100.011 50.273 49.846 46.308 50.165 64.861 61.885 2.381 2.524 37.859 34.882 24.621 24.479 25.536 22.505 4.596 4.550 18.156 16.332 2.567 1.064 217 559

99.617 101.286 50.445 52.777 49.171 48.509 59.841 60.453 1.994 2.907 35.227 35.253 22.620 22.294 25.795 26.280 4.478 4.712 19.396 20.332 1.569 927 351 310

12.895 32 7.651

10.217 32 7.466

10.724 32 7.394

13.510 32 7.346

14.030 13 7.185

13.027 32 8.251

Ags

11.765 32 7.407

92.040 113.182 128.377 135.914 130.673 120.865 119.424 124.398 121.318 121.773 42.586 55.743 60.349 62.706 58.322 54.915 54.322 60.149 58.118 59.616 12.515 20.655 17.290 15.163 16.148 15.431 15.759 18.241 17.451 20.292 26.629 31.398 38.405 42.640 37.061 34.062 33.320 36.527 35.110 33.500 3.442 3.690 4.654 4.904 5.112 5.422 5.243 5.381 5.556 5.824 49.455 57.438 68.028 73.208 72.351 65.950 65.101 64.249 63.199 62.157 22.412 25.353 32.064 36.818 37.313 33.479 33.458 33.225 33.814 33.526 27.042 28.045 26.547 26.148 24.452 22.145 21.131 20.842 18.574 17.917 4.040 9.417 10.242 10.586 10.326 10.512 10.182 10.811 10.715 648 3.686 4.765 2.537 1.534 586 553 435 26.566 21.357 28.764 31.744 33.007 32.134 30.703 25.978 25.477 26.328 1.832 3.350 10.374 9.557 7.124 6.941 4.030 3.813 3.509 3.658 440 809 947 836 818 946 1.554 1.493 1.427 1.387

3.376 1.971 3.044

3.376 3.000 3.757

3.376 2.998 3.614

4.080 4.257 6.616

4.080 906 10.970

4.080 1.895 10.583

609 -

1.210 -

970 -

(352) -

(480) -

(213) -

4.080 2.113 9.935 (26) -

Nov

Des

10.350 13 6.987

Jan

Feb

12.410 13 7.595

123.502 120.384 120.812 117.594 119.911 119.865 60.928 59.640 59.332 57.731 60.241 60.825 20.809 20.406 21.548 19.242 19.397 19.315 34.160 33.425 31.884 32.267 33.477 34.498 5.959 5.809 5.899 6.222 7.366 7.012 62.574 60.745 61.480 59.864 59.670 59.041 34.248 34.639 35.841 32.612 32.871 33.303 17.546 15.332 14.693 16.270 15.553 14.673 10.780 10.773 10.946 10.982 11.247 11.065 313 325 948 731 388 394 21.259 22.386 23.069 19.890 19.756 21.284 3.578 2.724 3.015 2.759 1.641 1.730 1.357 992 849 851 860 789

4.080 2.639 8.709

4.080 3.041 8.709

4.080 3.552 8.709

4.080 3.725 8.709

3.830 4.112 8.960

3.830 4.284 8.960

3.830 4.425 8.838

3.830 3.983 8.814

3.830 464 14.053

3.830 644 13.943

200 -

105 -

224 -

87 -

136 -

88 -

126 -

144 -

160 -

146 -




Tabel 1.8 Laporan Laba / Rugi Bank Umum (Commercial Banks Income Statement) Des Des Des Des 2005 2006 2007 2008 Feb Mar Apr

2009

2010

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

A. Pendapatan operasional(OperationsIncome) 1. Pendapatan bunga/bagi hasil/margin (Income from interest/profit sharing/margin) Penduduk (Citizens) a. Dari Bank Indonesia (From Bank Indonesia) b. Dari bank-bank lain (From other banks) c. Dari pihak ketiga bukan bank (From Third Party non Banks) Surat berharga (securities) Kredit yang diberikan (Credit disbursed) Lainnya (Others) Bukan penduduk (Non-citizens) a. Kantor Pusat/Cabang sendiri di luar Indonesia (Head / Branch Offices outside of Indonesia) b. Dari bank-bank lain (From other banks) c. Dari pihak ketiga bukan bank (From Third Party non Banks) Surat berharga (Securities) Kredit yang diberikan (Credit disbursed) Lainnya (Others) 2. Kenaikan nilai surat berharga (Increase in the value of securities) 3. Keuntungan Transaksi valuta asing/derivatif (Profit from foreign exchange transactions / derivatives) 4. Deviden, komisi/provisi/fee (Dividends, commissions, provisions/fees) 5. Lainnya (Others)

177.377 133.511 130.686 8.026 7.766 114.894 29.377 84.220 1.297 2.825 571 1.672 582 358 170 54 932 23.140 13.601 6.192

212.499 174.463 170.252 18.095 9.541 142.616 37.247 104.794 575 4.211 968 2.576 667 477 159 31 4.545 11.755 15.730 6.051

219.653 176.036 170.714 17.874 8.567 144.272 29.685 113.813 774 5.323 987 2.438 1.898 1.592 258 48 2.670 13.142 20.145 7.659

262.061 201.775 198.874 16.129 9.005 173.739 29.567 142.927 1.245 2.901 766 1.421 714 340 264 110 2.090 26.748 24.911 6.537

53.398 39.438 39.113 3.842 1.435 33.836 5.536 28.037 263 325 82 134 110 68 40 2 336 8.427 3.931 1.267

78.982 60.302 59.714 5.782 2.361 51.571 8.208 42.977 386 589 229 199 161 97 61 3 771 9.561 6.279 2.069

104.433 79.983 79.240 7.548 2.889 68.803 10.942 57.361 501 742 305 235 203 125 76 3 1.052 12.187 8.442 2.769

128.915 99.683 98.800 9.730 3.630 85.440 12.838 71.952 650 883 375 279 229 149 77 3 1.579 13.536 10.554 3.562

153.476 118.920 117.915 10.550 4.053 103.312 16.129 86.446 737 1.005 369 338 299 185 110 4 1.705 15.372 13.074 4.406

178.147 138.471 137.248 11.977 4.590 120.681 18.539 101.262 881 1.223 421 408 394 211 173 10 2.043 16.857 15.602 5.174

203.147 157.668 156.331 13.181 5.848 137.301 20.835 115.525 941 1.337 479 468 390 240 142 7 2.187 19.298 18.022 5.972

224.107 174.708 173.237 14.301 5.757 153.179 22.897 129.253 1.029 1.471 530 515 425 265 153 7 2.391 20.092 20.250 6.666

249.165 195.061 193.385 15.544 6.617 171.224 25.014 145.103 1.107 1.676 576 515 584 344 201 39 2.556 21.343 22.815 7.390

271.883 213.685 211.867 16.760 6.811 188.296 27.282 159.805 1.209 1.818 627 560 631 371 217 42 2.516 22.561 24.965 8.156

298.180 233.750 231.797 18.117 7.477 206.203 29.372 175.504 1.328 1.953 679 605 669 396 185 88 2.761 24.390 27.852 9.427

41.333 20.909 20.836 1.212 820 18.804 1.814 16.878 112 72 0 46 26 19 7 0 942 16.361 2.396 724

79.853 40.039 39.904 2.313 1.689 35.902 3.641 32.015 245 135 1 73 62 42 18 1 2.471 31.365 4.589 1.391

B. Beban operasional (OperationsExpenses) 1. Beban bunga/bagi hasil (Interest/profit sharing charges) Penduduk (Citizens ) a. Kepada Bank Indonesia (At Bank Indonesia) b. Kepada bank-bank lain (At other banks) c. Kepada pihak ketiga bukan bank (At third party non-banks) Giro (Demand Deposit) Simpanan berjangka (Time deposits) Tabungan (Savings Deposit) Pinjaman yang diterima (Loans received) Surat berharga (Securities) Lainnya (Others) Bukan penduduk (Non-Citizens) a. Kantor Pusat/Cabang sendiri diluar Indonesia (Head/Branch Offices outside of Indonesia) b. Kepada bank-bank lain (At other banks) c. Kepada pihak ketiga bukan bank (At third party non-banks) Giro (Demand Deposit) Simpanan berjangka (Time deposits) Tabungan (Savings Deposit) Pinjaman yang diterima (Loans received) Surat berharga (Securities) Lainnya (Others) Koreksi atas pendapatan bunga (Corrections to interest income) 2. Kerugian transaksi valas/derivatif (Losses on foreign exchange transactions / derivatives) 3. Komisi/provisi (Commissions/fees) 4. Penyusutan/amortisasi/penghapusan (Depreciation/amortizations/write-offs) 5. Lainnya (Others)

156.651 62.573 60.412 611 4.408 55.393 5.916 33.297 11.611 277 2.179 2.114 2.156 817 845 495 17 85 6 65 76 244 5 20.121 730 23.101 50.126

184.826 91.374 88.449 437 5.568 82.444 7.536 58.061 12.991 577 2.710 569 2.919 1.505 875 539 26 122 8 102 68 214 5 9.745 989 29.596 53.122

184.617 79.627 76.126 456 4.964 70.706 8.392 45.905 12.536 551 2.735 587 3.495 1.413 1.304 778 43 70 7 408 31 220 6 10.966 1.268 29.285 63.472

232.170 88.813 85.155 453 5.341 79.361 9.225 51.975 14.089 587 2.299 1.185 3.597 1.394 1.411 792 31 166 8 476 66 44 61 20.146 1.791 44.925 76.496

51.549 19.095 18.449 106 706 17.637 1.855 12.685 2.414 138 330 216 625 212 253 159 7 26 2 87 7 31 21 7.571 386 12.311 12.187

71.622 28.933 27.855 230 1.170 26.455 2.677 19.070 3.702 193 503 309 1.050 456 428 166 8 43 2 90 9 13 28 8.091 384 15.872 18.343

93.113 38.083 36.809 463 1.509 34.836 3.496 25.118 4.913 247 684 378 1.253 569 471 213 8 64 3 112 10 17 21 9.640 594 19.930 24.867

113.197 47.014 45.492 504 1.868 43.120 4.318 31.093 6.140 291 832 446 1.502 686 558 258 11 65 3 134 11 34 20 10.410 644 23.895 31.234

134.702 55.435 53.799 455 2.162 51.182 5.115 36.852 7.352 332 1.002 528 1.617 723 636 258 10 55 4 155 11 24 19 13.076 848 27.387 37.955

155.614 64.347 62.541 553 2.553 59.435 5.929 42.669 8.608 413 1.194 622 1.786 804 678 304 11 59 5 176 12 41 19 12.858 1.003 32.479 44.927

177.206 72.787 70.772 503 2.834 67.435 6.668 48.338 9.873 477 1.409 670 1.995 908 749 338 12 65 9 196 12 44 20 14.445 1.171 36.945 51.859

195.881 80.063 77.953 467 3.042 74.445 7.405 53.318 11.055 519 1.401 747 2.089 979 745 365 13 69 10 214 13 46 20 14.966 1.345 41.202 58.306

215.980 88.558 86.210 490 3.280 82.440 8.210 58.840 12.473 564 1.557 795 2.328 1.020 911 397 14 74 13 232 15 49 20 16.166 1.512 43.959 65.785

235.307 96.321 93.788 528 3.545 89.714 8.942 63.803 13.822 614 1.716 818 2.512 1.103 995 415 17 81 16 251 16 34 20 17.013 1.649 47.588 72.736

258.311 104.496 101.776 535 3.924 97.316 9.754 68.845 15.254 689 1.884 890 2.700 1.174 1.062 464 15 88 18 273 19 52 20 18.234 1.834 50.860 82.886

40.242 8.270 8.163 64 380 7.719 772 4.897 1.438 379 170 64 108 34 52 21 1 6 4 10 0 1 17.012 183 7.761 7.015

74.078 15.958 15.770 131 846 14.793 1.518 9.335 2.721 745 336 137 188 68 90 30 2 8 2 19 0 32.392 296 11.628 13.804

20.726 56.484 43.353 13.131 33.858 24.899

27.719 77.669 64.832 12.837 40.555 28.334

35.035 72.003 57.180 14.823 49.859 35.015

29.891 83.797 65.531 18.267 48.158 30.606

1.849 24.083 15.858 8.225 10.074 7.684

7.360 29.691 20.959 8.731 16.091 12.243

11.319 36.149 26.375 9.774 21.094 15.667

15.718 44.263 33.735 10.528 26.246 19.456

18.775 53.114 40.421 12.693 31.468 23.314

22.534 62.128 48.038 14.090 36.624 27.136

25.940 69.708 53.951 15.757 41.698 30.734

28.226 80.455 62.428 18.027 46.253 34.267

33.186 87.807 69.131 18.675 51.861 38.323

36.576 95.282 75.531 19.751 56.327 41.389

39.869 104.504 82.589 21.915 61.784 45.215

1.090 11.930 5.301 6.629 6.515 5.063

5.776 18.385 10.771 7.614 12.167 9.528

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

Laba Operasional (Operations Profit) Pendapatan non-operasional (Non-OperationsIncome) Beban non operasional (Non-OperationsExpenses) Laba non operasional (Non-OperationsProfit) Laba tahun berjalan (Currentprofit/loss) Laba ( setelah taksiran pajak penghasilan ) Profit (after calculation of income taxes)

11




Tabel 1.9 Laporan Laba / Rugi Bank Persero (State Owned Banks Income Statement) Des Des Des Des 2005 2006 2007 2008 Feb Mar Apr

2009

2010

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

A. Pendapatan operasional (OperationsIncome) 1. Pendapatan bunga/bagi hasil/margin (Income from interest/profit sharing/margin) Penduduk (Citizens) a. Dari Bank Indonesia (From Bank Indonesia) b. Dari bank-bank lain (From other banks) c. Dari pihak ketiga bukan bank (From Third Party non Banks) Surat berharga (securities) Kredit yang diberikan (Credit disbursed) Lainnya (Others) Bukan penduduk (Non-citizens) a. Kantor Pusat/Cabang sendiri di luar Indonesia (Head / Branch Offices outside of Indonesia) b. Dari bank-bank lain (From other banks) c. Dari pihak ketiga bukan bank (From Third Party non Banks) Surat berharga (Securities) Kredit yang diberikan (Credit disbursed) Lainnya (Others) 2. Kenaikan nilai surat berharga (Increase in the value of securities) 3. Keuntungan Transaksi valuta asing/derivatif (Profit from foreign exchange transactions / derivatives) 4. Deviden, komisi/provisi/fee (Dividends, commissions, provisions/fees) 5. Lainnya (Others)

75.854 54.640 53.598 1.455 3.179 48.964 15.171 33.520 273 1.042 468 255 319 97 169 53 408 13.995 4.081 2.729

74.585 65.869 64.455 4.660 3.905 55.890 19.736 36.047 107 1.414 714 355 345 156 158 31 1.184 902 4.815 1.815

74.745 65.677 62.980 3.107 3.212 56.660 15.804 40.663 192 2.697 700 428 1.569 1.281 240 48 197 554 6.460 1.857

85.799 73.708 72.327 3.400 3.111 65.816 14.869 50.682 264 1.381 557 427 398 116 262 20 107 1.472 8.544 1.968

17.039 14.707 14.541 976 559 13.007 2.901 10.035 70 166 54 53 59 20 38 2 63 507 1.414 348

25.947 22.421 22.169 1.402 841 19.926 4.319 15.510 98 252 87 76 89 28 59 2 82 443 2.283 717

34.244 29.680 29.363 1.709 1.092 26.562 5.645 20.799 118 317 114 92 110 34 73 3 152 459 3.068 885

42.799 37.037 36.676 2.591 1.394 32.692 6.275 26.270 147 360 138 107 115 38 74 3 218 609 3.868 1.068

51.572 44.391 43.935 1.983 1.562 40.390 8.354 31.875 161 456 162 130 164 53 107 4 325 726 4.775 1.354

60.346 51.875 51.357 2.242 1.742 47.373 9.577 37.565 231 518 186 146 185 60 120 6 383 861 5.685 1.542

68.943 59.161 58.566 2.456 1.973 54.137 10.727 43.219 190 595 211 169 215 69 140 7 473 988 6.559 1.762

75.382 64.697 64.042 2.560 2.143 59.339 11.722 47.417 200 654 236 188 231 73 150 7 475 990 7.286 1.934

85.072 73.067 72.258 2.741 2.372 67.145 12.758 54.177 211 809 249 186 375 137 198 39 531 1.090 8.352 2.031

93.067 80.043 79.178 2.919 2.572 73.686 13.795 59.661 231 865 267 201 397 142 214 41 501 1.225 9.074 2.224

102.480 87.974 87.054 3.178 2.859 81.018 14.854 65.901 263 920 287 216 417 149 182 86 518 1.319 10.128 2.541

10.440 9.057 9.030 264 469 8.297 863 7.401 33 27 0 13 14 6 7 0 267 84 793 238

19.974 16.534 16.486 500 849 15.137 1.767 13.316 54 47 0 8 39 20 18 1 1.250 157 1.560 473


73.103 25.232 24.222 360 1.462 22.400 2.365 12.027 5.396 187 993 1.431 1.006 282 376 349 7 35 31 50 225 4 13.310 192 34.367

72.383 34.318 33.026 203 1.575 31.248 2.648 20.942 5.993 303 1.247 115 1.288 619 326 343 3 47 36 47 209 4 179 250 18.239 19.397

67.776 28.253 26.887 181 1.090 25.617 2.771 15.426 5.704 363 1.154 198 1.365 626 478 262 2 16 31 30 182 233 271 16.846 22.174

77.148 30.054 28.814 133 1.289 27.392 3.176 16.060 6.351 392 852 563 1.239 622 495 122 2 14 0 20 57 30 0 680 424 20.683 25.308

18.316 6.785 6.584 16 222 6.346 849 4.178 1.067 109 87 56 198 82 94 21 0 3 0 4 7 7 4 438 167 7.165 3.761

25.593 10.207 9.889 23 357 9.509 1.195 6.342 1.610 138 132 91 308 129 150 29 0 4 0 6 9 10 10 302 87 8.960 6.038

32.962 13.401 13.039 30 456 12.553 1.521 8.417 2.125 179 188 122 360 166 157 36 0 5 0 8 10 13 2 230 124 11.033 8.175

40.310 16.753 16.323 36 628 15.659 1.845 10.580 2.646 207 232 150 429 198 189 42 3 4 0 10 11 15 0 249 157 12.810 10.341

47.514 19.947 19.441 42 696 18.703 2.160 12.700 3.155 221 291 177 507 238 220 49 1 7 0 12 11 18 0 582 194 14.017 12.774

56.498 23.364 22.828 48 869 21.912 2.500 14.889 3.672 281 368 202 536 268 213 54 1 8 0 14 12 20 0 617 248 16.950 15.320

64.960 26.679 26.069 55 932 25.082 2.833 17.010 4.208 326 477 227 610 313 239 58 1 9 0 15 12 22 0 689 308 19.622 17.662

71.947 29.047 28.458 63 920 27.476 3.119 18.708 4.696 337 368 247 590 332 196 62 1 9 0 15 13 24 0 682 373 22.635 19.209

79.075 32.482 31.779 70 947 30.761 3.465 20.886 5.357 365 412 276 703 316 322 66 1 9 2 15 14 26 0 716 423 23.477 21.977

86.016 35.349 34.582 74 1.004 33.504 3.771 22.698 5.956 394 457 227 766 340 359 67 1 12 0 15 14 25 0 769 459 25.128 24.311

94.645 38.534 37.697 92 1.131 36.474 4.124 24.529 6.639 436 503 244 836 364 394 79 1 12 0 21 17 28 0 831 512 26.669 28.100

10.061 3.363 3.344 46 85 3.212 339 1.796 643 367 55 12 19 5 11 2 0 0 0 1 0 761 33 3.503 2.400

17.660 6.358 6.332 99 152 6.082 660 3.372 1.196 722 99 33 26 9 12 5 0 1 1 3 0 1.130 63 5.481 4.627

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

2.750 12.346 3.843 8.503 9.185

2.202 16.208 5.634 10.574 12.776 9.644

6.969 12.684 1.767 10.918 17.887 13.332

8.651 13.675 2.346 11.328 19.979 13.159

-1.277 5.820 528 5.292 4.015 2.778

354 6.227 895 5.332 5.685 4.017

1.282 7.040 1.046 5.993 7.275 5.136

2.489 7.890 1.346 6.545 9.034 6.354

4.058 8.781 1.581 7.200 11.258 8.101

3.848 11.017 1.886 9.130 12.978 9.218

3.982 13.028 2.122 10.906 14.889 10.550

3.435 15.284 2.546 12.738 16.173 11.579

5.997 15.586 2.862 12.724 18.721 13.361

7.050 16.473 3.121 13.352 20.403 14.650

7.835 18.816 3.393 15.423 23.258 18.050

379 3.946 838 3.107 2.287 1.691

2.313 4.840 1.565 3.275 4.366 3.404





Tabel 1.10 Laporan Laba / Rugi BUSN Devisa (Foreign Exchange Commercial Banks Income Statement) Des Des Des Des 2005 2006 2007 2008 Feb Mar Apr

2009

2010

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

A. Pendapatan operasional (Operations Income) 1. Pendapatan bunga/bagi hasil/margin (Income from interest/profit sharing/margin) Penduduk (Citizens) a. Dari Bank Indonesia (From Bank Indonesia) b. Dari bank-bank lain (From other banks) c. Dari pihak ketiga bukan bank (From Third Party non Banks) Surat berharga (securities) Kredit yang diberikan (Credit disbursed) Lainnya (Others) Bukan penduduk (Non-citizens) a. Kantor Pusat/Cabang sendiri di luar Indonesia (Head / Branch Offices outside of Indonesia) b. Dari bank-bank lain (From other banks) c. Dari pihak ketiga bukan bank (From Third Party non Banks) Surat berharga (Securities) Kredit yang diberikan (Credit disbursed) Lainnya (Others) 2. Kenaikan nilai surat berharga (Increase in the value of securities) 3. Keuntungan Transaksi valuta asing/derivatif (Profit from foreign exchange transactions / derivatives) 4. Deviden, komisi/provisi/fee (Dividends, commissions, provisions/fees) 5. Lainnya (Others)

59.588 49.658 48.715 3.391 1.489 43.835 12.061 31.422 352 943 95 596 252 250 1 1 258 1.529 5.541 2.602

79.491 68.289 66.617 6.202 2.056 58.358 14.282 43.748 327 1.672 204 1.176 293 292 808 1.161 6.288 2.991

81.770 67.208 65.656 7.737 1.920 55.999 11.084 44.582 333 1.551 198 1.061 293 292 877 1.986 7.845 3.853

97.989 78.054 77.269 5.545 2.062 69.663 11.125 57.961 577 785 122 450 214 213 637 6.561 9.921 2.815

20.218 15.586 15.481 1.629 250 13.602 1.915 11.559 128 105 22 38 44 44 0 0 26 2.598 1.561 447

29.318 23.516 23.287 2.490 379 20.418 2.924 17.306 188 229 102 60 67 67 0 0 50 2.589 2.370 793

38.780 31.305 31.008 3.322 498 27.188 3.885 23.051 252 297 133 77 87 87 0 0 79 3.087 3.173 1.136

48.551 39.084 38.719 4.104 623 33.992 4.827 28.792 374 365 165 93 107 107 0 0 161 3.752 4.000 1.554

58.242 46.467 46.033 4.840 759 40.434 5.741 34.264 429 434 196 111 127 127 0 0 188 4.695 4.891 2.001

68.210 54.016 53.514 5.529 877 47.108 6.629 39.997 483 502 228 128 146 146 0 0 277 5.577 5.885 2.454

77.723 61.418 60.842 6.164 1.542 53.136 7.472 45.100 565 576 260 150 166 166 0 0 307 6.436 6.766 2.796

86.759 68.661 68.027 6.772 1.084 60.170 8.285 51.282 604 634 290 161 183 183 0 0 368 6.923 7.660 3.147

96.125 75.825 75.127 7.350 1.204 66.573 9.046 56.865 662 698 322 176 200 200 0 0 474 7.728 8.537 3.560

105.286 83.233 82.472 7.995 1.329 73.148 9.809 62.572 767 761 350 193 218 218 0 0 441 8.194 9.386 4.033

115.378 90.783 89.960 8.696 1.457 79.807 10.552 68.429 826 823 380 210 234 233 0 0 554 8.759 10.489 4.793

9.052 7.203 7.174 556 123 6.495 657 5.774 63 29 0 18 11 11 0 392 207 984 266

18.174 14.006 13.954 1.054 233 12.666 1.274 11.243 149 52 0 35 16 16 0 0 790 964 1.815 598

B. Beban operasional (Operations Expenses) 1. Beban bunga/bagi hasil (Interest/profit sharing charges) Penduduk (Citizens ) a. Kepada Bank Indonesia (At Bank Indonesia) b. Kepada bank-bank lain (At other banks) c. Kepada pihak ketiga bukan bank (At third party non-banks) Giro (Demand Deposit) Simpanan berjangka (Time deposits) Tabungan (Savings Deposit) Pinjaman yang diterima (Loans received) Surat berharga (Securities) Lainnya (Others) Bukan penduduk (Non-Citizens) a. Kantor Pusat/Cabang sendiri diluar Indonesia (Head/Branch Offices outside of Indonesia) b. Kepada bank-bank lain (At other banks) c. Kepada pihak ketiga bukan bank (At third party non-banks) Giro (Demand Deposit) Simpanan berjangka (Time deposits) Tabungan (Savings Deposit) Pinjaman yang diterima (Loans received) Surat berharga (Securities) Lainnya (Others) Koreksi atas pendapatan bunga (Corrections to interest income) 2. Kerugian transaksi valas/derivatif (Losses on foreign exchange transactions / derivatives) 3. Komisi/provisi (Commissions/fees) 4. Penyusutan/amortisasi/penghapusan (Depreciation/amortizations/write-offs) 5. Lainnya (Others)

49.579 25.261 24.888 212 1.512 23.165 1.862 15.047 5.349 39 655 212 373 102 185 86 4 17 5 33 26 805 141 23.372

65.603 38.026 37.491 210 1.635 35.645 2.239 26.258 5.912 158 861 217 535 208 199 127 5 29 5 66 21 2 1 921 236 6.404 20.016

66.931 32.811 31.743 245 1.656 29.842 2.641 20.340 5.628 118 905 211 1.063 214 410 438 5 15 4 378 1 35 5 1.624 349 7.816 24.331

91.874 38.394 37.052 266 1.941 34.845 2.848 24.231 6.181 124 1.131 331 1.283 220 557 506 3 18 4 457 10 14 59 5.389 389 17.806 29.896

19.318 8.373 8.136 48 202 7.886 488 6.013 1.069 23 198 95 222 38 93 90 0 4 1 83 0 2 16 2.419 103 3.475 4.947

27.268 12.501 12.112 72 313 11.727 706 8.908 1.665 34 295 119 374 105 175 94 1 5 1 84 0 2 16 2.537 90 4.867 7.273

35.464 16.325 15.841 104 417 15.320 929 11.588 2.226 44 388 145 467 134 212 121 1 12 2 104 0 3 17 2.799 124 6.301 9.916

43.698 20.072 19.502 127 508 18.867 1.144 14.170 2.806 58 475 213 553 165 249 139 1 9 2 124 0 4 17 3.295 177 7.832 12.322

53.274 23.607 22.948 145 593 22.210 1.368 16.593 3.378 69 556 247 642 196 284 162 1 11 3 143 0 4 17 5.119 218 9.545 14.785

60.446 27.123 26.376 162 690 25.524 1.595 18.959 3.978 87 635 270 730 227 318 185 1 12 4 162 0 5 17 4.604 267 11.021 17.431

68.073 30.524 29.684 177 749 28.758 1.820 21.262 4.566 103 713 294 822 259 353 210 2 15 8 181 0 5 18 4.960 316 12.238 20.034

75.594 33.776 32.855 193 823 31.839 2.038 23.441 5.133 120 787 319 903 288 383 231 2 16 9 199 0 5 18 5.707 353 12.929 22.829

83.461 36.948 35.947 210 904 34.832 2.257 25.486 5.750 137 870 333 983 318 413 252 2 16 10 217 1 6 18 6.426 398 14.032 25.658

91.372 40.288 39.205 225 978 38.002 2.467 27.691 6.358 154 952 380 1.066 347 442 278 2 19 13 235 2 6 18 6.821 438 15.399 28.425

99.540 43.464 42.299 238 1.072 40.989 2.698 29.728 6.948 171 1.037 407 1.147 376 471 299 2 21 16 252 2 7 18 6.941 488 16.701 31.945

9.074 3.184 3.132 16 94 3.022 220 2.031 636 9 94 32 52 10 32 10 0 1 0 8 404 62 2.701 2.724

16.644 6.095 5.996 30 183 5.783 440 3.855 1.221 18 184 65 99 18 61 20 0 3 1 16 1.354 83 3.679 5.433

C. Laba Operasional (Operations Profit) D. Pendapatan non-operasional (Non-Operations Income) E. Beban non operasional (Non-Operations Expenses) F. Laba non operasional (Non-Operations Profit) G. Laba tahun berjalan (Currentprofit/loss) H. Laba ( setelah taksiran pajak penghasilan ) Profit (after calculation of income taxes)

10.009 37.991 34.741 3.250 9.294

13.933 51.091 50.986 105 14.038 9.822

14.839 48.138 45.936 2.202 17.040 11.735

6.115 53.697 49.735 3.962 10.076 4.809

900 12.000 10.221 1.779 2.679 2.166

2.050 17.447 15.094 2.353 4.402 3.556

3.315 22.767 20.002 2.765 6.081 4.921

4.853 27.631 24.880 2.751 7.604 6.057

4.968 33.758 29.822 3.935 8.903 6.978

7.764 37.887 34.871 3.016 10.779 8.519

9.651 42.727 39.876 2.851 12.502 9.906

11.165 48.223 44.859 3.364 14.529 11.491

12.664 53.307 49.764 3.543 16.206 12.748

13.914 58.086 54.367 3.719 17.633 13.715

15.838 63.326 59.548 3.778 19.616 14.205

(22) 5.664 3.499 2.164 2.148 1.695

1.530 9.603 6.889 2.714 4.259 3.408

13




Tabel 1.11 Laporan Laba / Rugi BUSN Non Devisa (Non-Foreign Exchange Commercial Banks Income Statement) Des Des Des Des 2005 2006 2007 2008 Feb Mar Apr

2009 Mei

Jun

Jul

2010 Ags

Sep

Okt

Nov

Des

Jan

Feb

A. Pendapatan operasional (OperationsIncome) 1. Pendapatan bunga/bagi hasil/margin (Income from interest/profit sharing/margin) Penduduk (Citizens) a. Dari Bank Indonesia (From Bank Indonesia) b. Dari bank-bank lain (From other banks) c. Dari pihak ketiga bukan bank (From Third Party non Banks) Surat berharga (securities) Kredit yang diberikan (Credit disbursed) Lainnya (Others) Bukan penduduk (Non-citizens) a. Kantor Pusat/Cabang sendiri di luar Indonesia (Head / Branch Offices outside of Indonesia) b. Dari bank-bank lain (From other banks) c. Dari pihak ketiga bukan bank (From Third Party non Banks) Surat berharga (Securities) Kredit yang diberikan (Credit disbursed) Lainnya (Others) 2. Kenaikan nilai surat berharga (Increase in the value of securities) 3. Keuntungan Transaksi valuta asing/derivatif (Profit from foreign exchange transactions / derivatives) 4. Deviden, komisi/provisi/fee (Dividends, commissions, provisions/fees) 5. Lainnya (Others)

2.471 2.277 2.277 157 116 2.004 136 1.866 2 5 1 95 93

4.178 3.823 3.823 294 133 3.395 217 3.174 4 18 1 92 245

5.227 4.597 4.597 303 112 4.181 177 4.004 1 12 1 122 495

5.854 5.367 5.367 455 134 4.778 263 4.490 25 1 1 117 367

1.173 1.102 1.097 113 14 969 44 914 12 5 5 0 0 18 52

1.647 1.547 1.539 169 24 1.347 68 1.277 1 8 8 1 0 25 73

2.226 2.074 2.074 223 32 1.820 96 1.723 1 2 0 35 115

2.836 2.618 2.618 272 41 2.306 127 2.176 2 3 0 44 170

3.466 3.178 3.178 316 50 2.811 166 2.631 14 7 1 55 227

4.137 3.781 3.727 361 59 3.307 204 3.098 5 54 0 54 50 4 8 1 65 282

4.805 4.364 4.364 402 67 3.895 242 3.651 2 9 1 75 356

5.428 4.921 4.921 427 75 4.419 269 4.146 4 0 0 0 0 9 1 84 414

6.197 5.568 5.568 469 82 5.018 307 4.705 6 0 0 0 10 1 94 523

6.907 6.221 6.221 507 90 5.625 345 5.271 9 0 0 0 10 1 106 569

7.689 6.912 6.912 540 101 6.271 377 5.881 13 0 0 0 11 1 121 645

737 687 687 39 9 638 38 597 3 1 0 13 37

1.468 1.382 1.382 72 18 1.293 83 1.204 6 0 0 0 26 0 26 33


2.360 1.302 1.302 18 20 1.264 76 1.084 90 3 6 5 20 1.038

3.854 2.311 2.311 2 48 2.261 107 2.026 119 4 5 16 341 1.186

4.369 2.264 2.255 2 66 2.187 103 1.928 114 1 32 9 8 8 8 13 502 1.591

5.078 2.855 2.850 6 94 2.750 137 2.447 117 1 37 11 5 5 0 5 0 0 13 356 1.854

1.122 667 653 2 24 627 31 566 22 0 6 2 14 13 0 0 0 0 0 2 86 368

1.548 928 908 3 30 875 18 811 33 1 9 3 20 20 0 0 0 0 0 3 96 521

2.070 1.208 1.191 4 39 1.148 23 1.062 44 1 12 5 16 1 0 15 0 15 1 0 0 4 145 714

2.639 1.500 1.480 4 46 1.430 29 1.325 55 1 15 4 20 1 19 0 18 1 0 0 5 187 947

3.303 1.794 1.792 5 57 1.731 35 1.604 67 1 18 5 2 2 0 0 0 0 0 0 6 228 1.275

3.902 2.123 2.120 5 63 2.051 42 1.902 78 2 21 6 3 3 0 0 0 0 0 0 0 6 256 1.517

4.553 2.430 2.426 6 72 2.348 49 2.175 90 2 24 8 5 4 0 1 0 1 0 0 0 7 325 1.791

5.186 2.685 2.680 6 83 2.591 55 2.397 101 2 27 10 5 5 0 0 0 0 0 0 0 8 377 2.116

5.913 2.986 2.980 6 86 2.887 61 2.663 113 2 36 12 6 5 0 0 0 0 0 0 10 503 2.415

6.654 3.284 3.278 8 95 3.175 68 2.921 124 2 46 14 7 6 0 0 0 0 0 0 11 588 2.771

7.307 3.599 3.599 8 107 3.483 75 3.198 137 2 56 16 0 0 0 0 0 0 0 11 692 3.004

807 322 322 0 12 309 8 279 11 0 10 1 0 0 0 0 1 205 279

1.392 611 611 1 21 588 14 530 22 1 20 1 0 0 0 0 3 186 593

110 562 445 117 162

324 1.210 1.002 208 531 399

858 1.642 1.509 133 991 765

777 2.180 2.092 88 865 604

50 509 486 24 74 62

99 748 731 18 117 98

155 1.036 1.029 7 162 137

197 1.316 1.291 24 221 188

164 1.633 1.566 67 230 191

235 2.010 1.881 129 364 319

251 2.335 2.181 155 406 348

242 2.705 2.511 194 436 373

283 3.046 2.847 199 483 407

253 3.425 3.176 249 502 417

383 3.837 3.592 245 628 360

(70) 191 58 133 62 56

75 461 405 56 130 115

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





Tabel 1.12 Laporan Laba / Rugi BPD (Regional Development Banks Income Statement) Des Des Des Des 2005 2006 2007 2008 Feb Mar Apr A. Pendapatan operasional (Operations Income) 1. Pendapatan bunga/bagi hasil/margin (Income from interest/profit sharing/margin) Penduduk (Citizens) a. Dari Bank Indonesia (From Bank Indonesia) b. Dari bank-bank lain (From other banks) c. Dari pihak ketiga bukan bank (From Third Party non Banks) Surat berharga (securities) Kredit yang diberikan (Credit disbursed) Lainnya (Others) Bukan penduduk (Non-citizens) a. Kantor Pusat/Cabang sendiri di luar Indonesia (Head / Branch Offices outside of Indonesia) b. Dari bank-bank lain (From other banks) c. Dari pihak ketiga bukan bank (From Third Party non Banks) Surat berharga (Securities) Kredit yang diberikan (Credit disbursed) Lainnya (Others) 2. Kenaikan nilai surat berharga (Increase in the value of securities) 3. Keuntungan Transaksi valuta asing/derivatif (Profit from foreign exchange transactions / derivatives) 4. Deviden, komisi/provisi/fee (Dividends, commissions, provisions/fees) 5. Lainnya (Others)

2009

2010

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

11.594 10.721 10.719 1.586 1.110 8.022 331 7.684 8 3 3 57 1 423 392

17.599 16.293 16.290 4.872 1.866 9.551 422 9.118 11 3 3 193 540 573

19.264 17.465 17.460 3.912 1.928 11.619 517 11.091 11 5 5 257 4 684 854

22.606 20.580 20.578 4.080 1.984 14.514 818 13.680 16 2 2 273 10 912 832

3.855 3.599 3.598 590 336 2.671 149 2.520 3 1 0 1 1 0 4 2 136 114

5.941 5.532 5.532 878 652 4.001 102 3.893 6 0 0 0 0 10 7 209 183

7.998 7.417 7.417 1.153 677 5.586 301 5.277 9 0 0 0 0 15 12 295 259

10.218 9.375 9.375 1.326 945 7.104 377 6.697 30 0 0 29 15 456 343

12.333 11.295 11.295 1.657 997 8.640 449 8.173 18 0 0 29 16 671 323

14.486 13.247 13.247 1.871 1.155 10.221 521 9.677 23 0 0 56 16 784 384

16.618 15.193 15.192 2.060 1.320 11.813 587 11.199 27 0 0 59 18 906 442

18.709 17.116 17.116 2.234 1.442 13.440 651 12.741 48 0 0 65 19 1.007 501

20.860 19.104 19.104 2.422 1.605 15.076 714 14.308 53 0 0 75 21 1.093 568

22.966 21.054 21.054 2.582 1.842 16.629 783 15.831 15 0 0 74 23 1.201 614

25.375 23.082 23.082 2.743 1.987 18.353 837 17.489 26 0 0 205 23 1.381 684

2.310 2.080 2.079 128 133 1.819 60 1.757 2 0 0 0 53 1 77 100

4.706 4.320 4.320 254 253 3.812 138 3.655 19 0 0 56 2 138 190


8.776 3.715 3.715 18 126 3.571 1.070 1.413 658 47 328 55 1 1 1 16 5.045

13.403 6.906 6.906 15 256 6.635 2.061 3.359 818 95 274 28 12 1.327 5.157

14.652 7.086 7.085 23 370 6.692 2.282 3.159 936 70 241 4 1 1 6 15 1.290 6.255

16.510 7.223 7.203 13 452 6.737 2.212 3.112 1.084 70 250 9 18 18 3 12 3 2 0 11 1.505 7.771

2.610 1.298 1.292 3 107 1.182 359 586 201 5 31 0 5 5 1 3 1 2 0 364 948

4.045 2.040 2.032 3 146 1.882 570 942 299 21 49 1 6 6 1 4 1 2 1 477 1.528

5.542 2.764 2.762 4 194 2.564 784 1.296 390 23 69 2 0 0 2 0 1 603 2.175

6.998 3.502 3.500 4 215 3.281 1.017 1.663 485 25 88 2 0 0 0 2 0 1 723 2.772

8.555 4.244 4.242 5 248 3.989 1.220 2.038 580 42 107 3 0 0 0 2 0 1 874 3.436

10.222 4.998 4.996 5 291 4.700 1.417 2.434 680 44 120 5 0 0 0 0 2 0 2 1.038 4.183

11.822 5.756 5.754 6 335 5.413 1.612 2.836 780 46 136 4 0 0 0 0 0 2 0 2 1.206 4.858

13.498 6.497 6.495 6 380 6.108 1.794 3.224 871 59 150 9 0 0 0 0 0 2 0 2 1.353 5.645

15.073 7.242 7.240 7 427 6.807 1.973 3.629 974 60 165 7 0 0 0 0 2 0 2 1.521 6.306

16.626 7.949 7.943 7 474 7.462 2.133 4.000 1.080 63 179 7 3 0 0 3 2 1 0 2 0 3 1.683 6.991

18.687 8.677 8.675 8 539 8.129 2.292 4.348 1.203 77 201 8 0 0 0 0 0 2 0 3 1.824 8.182

1.793 681 681 0 58 623 147 339 121 2 8 6 0 1 520 592

3.578 1.363 1.363 1 109 1.254 299 688 227 4 27 9 0 2 1.012 1.200


2.818 3.215 3.026 189 2.738

4.197 6.193 5.833 360 4.557 3.908

4.612 6.889 6.346 543 5.155 4.530

6.096 7.436 6.963 473 6.569 5.751

1.245 1.432 1.268 164 1.409 1.278

1.895 2.212 1.977 235 2.130 1.952

2.456 2.871 2.689 183 2.638 2.412

3.220 3.595 3.378 217 3.437 3.132

3.778 4.455 4.148 308 4.086 3.722

4.264 5.240 4.908 332 4.596 4.197

4.796 6.039 5.660 380 5.175 4.722

5.211 6.831 6.435 397 5.608 5.114

5.788 7.497 7.032 465 6.253 5.697

6.340 8.342 7.828 515 6.855 6.242

6.688 9.362 8.651 710 7.399 6.488

517 1.147 629 518 1.032 940

1.128 1.934 1.315 619 1.743 1.583

15




Tabel 1.13 Laporan Laba / Rugi Bank Campuran (Joint Venture Banks Income Statement) Des Des Des Des 2005 2006 2007 2008 Feb Mar Apr

2009 Mei

2010

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

A. Pendapatan operasional (OperationsIncome) 1. Pendapatan bunga/bagi hasil/margin (Income from interest/profit sharing/margin) Penduduk (Citizens) a. Dari Bank Indonesia (From Bank Indonesia) b. Dari bank-bank lain (From other banks) c. Dari pihak ketiga bukan bank (From Third Party non Banks) Surat berharga (securities) Kredit yang diberikan (Credit disbursed) Lainnya (Others) Bukan penduduk (Non-citizens) a. Kantor Pusat/Cabang sendiri di luar Indonesia (Head / Branch Offices outside of Indonesia) b. Dari bank-bank lain (From other banks) c. Dari pihak ketiga bukan bank (From Third Party non Banks) Surat berharga (Securities) Kredit yang diberikan (Credit disbursed) Lainnya (Others) 2. Kenaikan nilai surat berharga (Increase in the value of securities) 3. Keuntungan Transaksi valuta asing/derivatif (Profit from foreign exchange transactions / derivatives)1) 4. Deviden, komisi/provisi/fee (Dividends, commissions, provisions/fees) 5. Lainnya (Others)

6.043 4.307 4.132 675 243 3.214 269 2.766 180 175 174 1 1 8 996 631 101

7.860 5.680 5.391 796 354 4.241 358 3.777 107 289 288 1 1 8 1.296 688 187

9.528 6.354 6.091 1.028 261 4.801 316 4.318 168 263 243 20 2 18 24 1.931 1.083 135

14.681 7.894 7.751 955 435 6.361 427 5.902 32 144 141 3 3 50 5.504 1.137 96

3.365 1.648 1.637 211 130 1.296 62 1.226 8 11 9 3 3 22 1.455 185 55

4.944 2.800 2.785 356 204 2.226 102 2.094 29 15 12 3 3 88 1.572 437 48

6.677 3.663 3.646 499 254 2.893 128 2.725 39 17 15 3 3 54 2.382 474 103

7.992 4.556 4.536 653 274 3.609 156 3.359 94 20 18 3 3 78 2.682 560 116

9.162 5.400 5.375 838 269 4.269 184 3.973 112 24 0 22 3 3 87 2.843 701 132

9.378 6.215 6.165 938 307 4.920 219 4.566 135 50 0 47 3 3 54 2.188 822 99

11.398 7.017 6.963 947 450 5.566 258 5.156 152 54 0 51 3 3 89 3.172 968 151

12.598 7.778 7.714 1.038 485 6.191 294 5.729 168 64 0 59 5 2 3 111 3.462 1.081 166

14.011 8.769 8.730 1.171 777 6.781 373 6.240 168 39 0 36 3 3 0 95 3.722 1.237 188

14.839 9.339 9.291 1.242 369 7.679 602 6.897 180 48 0 39 9 5 3 1 116 3.881 1.312 190

15.772 10.128 10.073 1.318 409 8.347 683 7.472 191 55 0 43 11 7 3 2 87 3.886 1.463 207

1.378 784 777 106 17 654 64 582 7 7 6 1 1 72 321 126 74

2.434 1.488 1.471 203 31 1.237 125 1.100 13 17 11 6 5 0 87 504 275 80


4.403 1.901 1.632 1 329 1.302 151 1.077 12 1 61 269 242 27 3 22 1 2 619 57 1.826

6.213 2.797 2.527 2 501 2.024 166 1.700 36 17 8 97 271 228 42 4 34 1 3 954 85 902 1.476

7.601 3.004 2.619 2 435 2.183 129 1.896 61 10 86 385 22 325 38 11 24 3 1.673 134 769 2.021

12.268 3.863 3.489 4 394 3.091 177 2.709 84 8 112 374 18 319 37 12 24 1 4.542 203 1.077 2.584

3.074 835 743 1 28 714 27 651 31 2 3 92 2 48 42 4 16 0 22 1.459 29 213 538

4.072 1.416 1.303 1 143 1.159 49 1.046 57 3 5 113 4 76 34 4 28 0 1 1.341 59 386 870

5.520 1.864 1.732 1 113 1.618 63 1.467 78 0 5 6 132 5 91 36 5 30 0 1 2.020 58 435 1.144

6.660 2.298 2.131 1 93 2.037 75 1.822 85 6 49 168 6 109 53 5 31 0 16 2.235 77 613 1.436

7.663 2.720 2.553 4 122 2.427 87 2.160 98 6 75 167 7 120 40 6 32 0 2 2.385 154 728 1.675

7.962 3.144 2.947 4 146 2.798 100 2.487 113 7 91 196 8 132 57 6 34 0 16 1.835 173 964 1.846

9.670 3.515 3.306 4 174 3.128 114 2.773 127 8 106 209 9 142 59 7 35 1 17 2.673 189 1.062 2.231

10.693 3.869 3.650 4 195 3.451 129 3.053 140 9 120 219 10 149 60 7 36 1 17 2.886 212 1.164 2.562

11.909 4.352 4.118 4 215 3.899 146 3.470 153 10 120 234 11 158 66 8 41 1 17 3.133 235 1.325 2.864

12.625 4.558 4.320 4 238 4.078 157 3.611 164 11 135 238 11 174 53 8 42 1 3 3.315 252 1.389 3.112

13.328 4.914 4.658 4 253 4.400 174 3.888 174 3 12 148 257 12 175 70 9 43 1 18 3.279 288 1.377 3.469

1.185 336 322 1 19 302 15 266 11 0 1 9 15 1 6 8 0 4 3 1 301 31 136 381

2.093 640 624 1 36 587 27 513 26 0 2 18 16 1 12 3 1 2 0 485 38 265 664


1.640 640 267 373 1.370

1.647 843 305 538 2.185 1.561

1.927 773 296 478 2.405 1.656

2.412 1.100 611 489 2.901 2.026

291 510 116 394 685 494

872 425 304 121 993 725

1.157 617 473 144 1.300 948

1.332 877 692 184 1.517 1.085

1.499 1.151 874 277 1.776 1.282

1.416 1.557 1.087 470 1.886 1.331

1.728 1.629 1.234 395 2.123 1.484

1.906 1.930 1.515 415 2.321 1.598

2.102 2.288 1.766 522 2.624 1.826

2.214 2.384 1.811 573 2.787 1.939

2.444 2.340 1.717 623 3.067 2.129

193 240 145 95 287 217

341 611 442 170 510 374




Tabel 1.14 Laporan Laba / Rugi Bank Asing (Foreign Owned Banks Income Statement) Des Des Des Des 2005 2006 2007 2008 Feb Mar Apr

2009

2010

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

A. Pendapatan operasional (Operations Income) 1. Pendapatan bunga/bagi hasil/margin (Income from interest/profit sharing/margin) Penduduk (Citizens) a. Dari Bank Indonesia (From Bank Indonesia) b. Dari bank-bank lain (From other banks) c. Dari pihak ketiga bukan bank (From Third Party non Banks) Surat berharga (securities) Kredit yang diberikan (Credit disbursed) Lainnya (Others) Bukan penduduk (Non-citizens) a. Kantor Pusat/Cabang sendiri di luar Indonesia (Head / Branch Offices outside of Indonesia) b. Dari bank-bank lain (From other banks) c. Dari pihak ketiga bukan bank (From Third Party non Banks) Surat berharga (Securities) Kredit yang diberikan (Credit disbursed) Lainnya (Others) 2. Kenaikan nilai surat berharga (Increase in the value of securities) 3. Keuntungan Transaksi valuta asing/derivatif (Profit from foreign exchange transactions / derivatives) 4. Deviden, komisi/provisi/fee (Dividends, commissions, provisions/fees) 5. Lainnya (Others)

20.704 10.905 10.243 726 1.608 7.908 1.399 6.093 417 662 8 644 11 11 195 6.618 2.814 171

28.786 14.509 13.677 1.270 1.226 11.181 2.231 8.930 20 832 50 754 28 28 2.334 8.395 3.308 240

29.119 14.736 13.930 1.786 1.133 11.011 1.787 9.155 70 806 89 701 17 16 1.302 8.665 3.951 464

35.132 16.171 15.582 1.695 1.279 12.608 2.065 10.212 331 589 88 401 100 10 0 90 1.022 13.199 4.280 460

7.749 2.796 2.759 323 146 2.291 465 1.783 43 37 7 29 2 2 220 3.864 618 251

11.185 4.487 4.402 488 261 3.652 692 2.897 63 85 40 42 3 3 0 539 4.949 954 255

14.508 5.844 5.733 643 336 4.754 887 3.787 80 111 57 51 4 3 0 750 6.247 1.397 271

16.519 7.013 6.876 785 353 5.738 1.077 4.658 3 137 72 62 4 4 1.090 6.478 1.626 312

18.700 8.190 8.099 916 416 6.767 1.235 5.529 3 91 11 75 4 4 0 1.070 7.091 1.982 369

21.590 9.337 9.239 1.035 451 7.753 1.390 6.360 4 98 7 87 5 5 0 1.263 8.214 2.361 414

23.660 10.515 10.404 1.153 497 8.754 1.549 7.200 5 112 8 97 6 6 0 1.250 8.683 2.748 464

25.231 11.535 11.417 1.270 527 9.620 1.677 7.937 6 118 4 107 6 6 0 1.362 8.697 3.132 505

26.900 12.727 12.599 1.392 576 10.631 1.817 8.807 7 129 5 117 7 7 0 1.371 8.782 3.501 519

28.819 13.796 13.652 1.514 609 11.529 1.949 9.573 7 144 10 127 7 7 0 1.374 9.238 3.886 525

31.486 14.872 14.716 1.644 664 12.409 2.068 10.332 8 155 12 137 7 7 0 1.386 10.402 4.270 557

17.415 1.098 1.089 119 68 902 132 767 3 10 0 9 0 0 157 15.747 403 10

33.099 2.309 2.290 229 304 1.757 254 1.498 4 19 1 18 0 0 261 29.737 775 17


17.545 4.805 4.296 3 953 3.340 360 2.354 80 197 349 507 433 43 32 4 11 17 1 5.386 303 7.049

23.370 7.015 6.189 6 1.553 4.630 314 3.776 113 321 106 826 678 121 26 13 12 1 1 7.690 392 2.383 5.890

23.289 6.210 5.537 3 1.349 4.186 464 3.156 94 392 79 673 551 90 32 25 5 2 7.430 485 2.063 7.101

29.292 6.425 5.747 32 1.171 4.545 675 3.416 273 0 22 160 677 534 39 104 10 93 1 9.535 752 3.497 9.083

7.109 1.136 1.041 35 123 882 101 690 24 7 60 95 89 4 2 1 1 0 3.254 85 1.008 1.625

9.095 1.840 1.612 129 181 1.303 138 1.021 38 15 91 228 218 7 3 1 1 0 0 3.911 146 1.086 2.113

11.554 2.521 2.243 320 289 1.633 174 1.289 50 22 98 278 264 10 4 2 2 0 0 4.592 284 1.414 2.743

12.891 2.888 2.556 332 378 1.846 208 1.532 63 16 27 332 315 11 5 2 3 0 4.631 228 1.729 3.415

14.392 3.122 2.823 254 447 2.121 244 1.758 75 24 20 299 280 13 7 2 4 0 4.990 275 1.994 4.011

16.583 3.595 3.274 329 495 2.450 275 1.998 87 43 48 321 298 15 8 3 5 0 5.801 307 2.250 4.631

18.128 3.883 3.533 255 572 2.706 240 2.282 103 51 31 350 324 16 9 3 6 0 6.122 348 2.492 5.283

18.964 4.188 3.816 195 641 2.980 271 2.495 114 59 42 373 344 17 11 4 7 0 5.691 395 2.745 5.945

20.549 4.548 4.146 192 700 3.254 308 2.706 127 65 48 401 371 19 12 4 8 0 5.891 444 3.101 6.566

22.014 4.893 4.461 210 757 3.494 347 2.882 140 70 55 432 399 20 13 5 9 0 6.108 486 3.401 7.125

24.805 5.307 4.848 186 821 3.841 391 3.153 153 75 67 459 422 21 16 4 12 0 7.183 532 3.598 8.185

17.321 385 362 0 111 251 43 186 15 3 4 22 19 2 1 0 1 0 0 0 15.546 54 697 639

32.710 891 844 0 345 499 78 377 29 4 11 46 40 4 3 1 2 0 29.423 106 1.004 1.286

3.159 1.447 733 714 1.971

5.416 2.124 1.072 1.052 6.468 3.000

5.830 1.877 1.326 550 6.380 2.998

5.841 5.710 3.783 1.927 7.767 4.257

641 3.812 3.239 573 1.213 906

2.090 2.631 1.958 674 2.763 1.895

2.954 1.818 1.135 683 3.637 2.113

3.627 2.955 2.148 807 4.434 2.639

4.309 3.336 2.430 906 5.215 3.041

5.006 4.418 3.404 1.014 6.020 3.552

5.532 3.949 2.879 1.070 6.602 3.725

6.267 5.482 4.562 920 7.187 4.112

6.351 6.083 4.861 1.222 7.574 4.284

6.805 6.571 5.228 1.343 8.148 4.425

6.680 6.823 5.687 1.136 7.816 3.983

94 743 131 612 699 464

389 936 155 781 1.158 644


17




Tabel 1.15 Rekening Administratif Bank Umum (Commercial Banks Off-Balance Sheet) 2009

Des Des Des Des

Tagihan Komitmen (Claim Commitments) Fasilitas pinjaman yang belum ditarik (Not yet withdrawn loan facilities) Posisi pembelian spot yang masih berjalan (Current spot purchases) Lainnya (Others) Kewajiban Komitmen (Liabilities Commitments) Fasilitas kredit kepada nasabah yang belum ditarik (Client credit facilities that are not yet withdrawn) Fasilitas kredit kepada bank lain yang belum ditarik (Other bank credit facilities that are not yet withdrawn) Irrevocable L/C yang masih berjalan (Current Irrevocable L/Cs) Posisi penjualan spot yang masih berjalan (Current spot sales) Lainnya (Others)

2005 2006 2007 2008 Feb

Mar

10.638 5.034 4.300 1.305

60.250 30.438 28.244 1.568

17.440 5.559 9.997 1.884

33.963 20.983 7.496 5.246 20.181 10.910 6.286 4.828

38.294 6.978 29.810 1.507

Apr

Mei

39.570 41.679 6.894 7.171 31.390 32.735 1.286 1.773

Jun

Jul

35.702 4.875 28.675 2.152

36.794 6.948 28.139 1.707

2010 Ags

Sep

35.962 424.190 7.132 6.637 26.969 35.880 1.861 381.673

Okt

Nov

32.691 6.672 24.492 1.527

33.967 6.593 25.467 1.907

Des

Jan

Feb

21.650 109.598 117.170 6.321 4.608 13.850 13.641 96.654 93.146 1.688 8.337 10.175

177.816 198.826 272.594 296.167 345.337 329.942 333.404 341.959 338.162 348.484 345.855 447.562 341.694 360.308 374.255 662.315 672.370 151.987 162.988 208.338 247.673 278.492 267.474 268.845 271.954 271.387 284.578 282.509 276.879 279.833 296.982 323.716 480.169 495.590 353 18.824 4.070 2.581

515 23.955 8.390 2.978

Tagihan Kontinjensi (Claim Contingency) Garansi yang diterima (Guarantees received) Pendapatan bunga dalam penyelesaian (Adjusted interest income) Lainnya (Others)

71.292 58.770 11.149 1.373

84.730 119.740 221.486 256.507 162.531 149.825 361.150 134.642 136.796 406.478 227.232 265.961 138.314 139.047 132.174 132.521 68.627 102.454 138.537 154.534 138.667 126.678 129.461 110.919 111.517 126.748 120.286 113.921 114.922 115.923 108.800 108.598 15.460 15.383 69.873 93.245 15.631 15.927 224.564 16.774 18.243 272.171 99.371 144.872 16.090 15.498 21.709 22.739 643 1.903 13.075 8.727 8.233 7.220 7.125 6.949 7.037 7.559 7.575 7.168 7.302 7.626 1.665 1.185

Kewajiban Kontijensi (Liabilities Contingency) Garansi yang diberikan (Guarantees issued) Lainnya (Others)

38.277 37.482 795

44.659 43.755 904

Lainnya (Others) Penerusan Kredit (Channelling Credit) Aktiva produktif yang dihapus bukukan (Written-off Earning assets)

765 872 42.019 31.744 15.724 10.165 5.748 5.713

1.464 32.897 30.674 1.810

1.274 31.903 27.724 1.568

1.234 1.212 34.229 37.545 28.114 30.154 981 1.094

1.220 37.729 26.613 1.212

1.235 33.929 27.267 1.475

1.254 1.231 36.144 37.068 24.916 31.708 1.032 100.677

1.364 37.128 22.326 1.042

77.430 123.784 116.928 110.944 103.189 101.484 101.898 101.088 101.263 99.399 100.142 74.397 109.488 113.482 107.980 101.282 99.925 100.515 99.587 99.791 98.087 98.653 3.032 14.296 3.446 2.964 1.906 1.559 1.383 1.501 1.472 1.312 1.490

1.563 36.642 24.031 1.090

803 800 1.257 37.177 38.543 41.789 11.382 142.291 133.300 1.177 512 433

99.776 101.455 98.259 99.985 1.517 1.470

97.927 96.414 1.513

97.764 96.366 1.398

163.993 166.370 199.082 148.821 137.333 136.720 132.852 131.961 169.154 132.101 135.302 133.964 133.844 135.468 135.192 134.965 133.915 34.517 40.719 43.675 45.965 37.246 36.703 34.474 33.818 68.517 32.106 34.435 33.820 33.500 33.360 32.896 30.225 30.873 129.476 125.650 155.407 102.856 100.087 100.017 98.379 98.143 100.637 99.996 100.867 100.144 100.345 102.109 102.296 104.740 103.042




Tabel 1.16 Rekening Administratif Bank Persero (State Owned Banks Off-Balance Sheet) 2009

Des Des Des Des 2005 2006 2007 2008 Feb Tagihan Komitmen (Claim Commitments) Fasilitas pinjaman yang belum ditarik (Not yet withdrawn loan facilities) Posisi pembelian spot yang masih berjalan (Current spot purchases) Lainnya (Others)

464 0 30 434

1.870 841 235 794

2.580 175 2.023 382

497 188 154 155

1.215 56 1.046 113

Mar

Apr

Mei

1.213 197 780 236

1.550 392 811 347

1.405 240 818 348

Jun 996 191 467 338

Jul 1.327 185 802 340

2010 Ags 958 176 318 465

Sep 1.038 83 644 311

Okt 630 0 630 0

Nov 120 0 111 9

Des 36 0 36 0

Jan 831 164 646 21

Feb 1.614 104 821 690

Kewajiban Komitmen (Liabilities Commitments) Fasilitas kredit kepada nasabah yang belum ditarik (Client credit facilities that are not yet withdrawn) Fasilitas kredit kepada bank lain yang belum ditarik (Other bank credit facilities that are not yet withdrawn) Irrevocable L/C yang masih berjalan (Current Irrevocable L/Cs) Posisi penjualan spot yang masih berjalan (Current spot sales) Lainnya (Others)

50.033 59.736 79.368

97.045115.198 111.222 112.929 115.279 113.495 120.203 119.581 115.504 118.146 131.327 150.680 165.482 172.357

39.557 47.703 58.652

79.791 97.684 94.056 94.076 94.111 94.603 102.352 100.844 94.976 96.593 111.654 130.405 144.352 151.029

257 260 384 9.248 11.334 20.165 30 233 155 941 205 13

494 760 785 777 792 808 856 893 954 952 908 269 236 198 16.735 15.442 15.025 17.171 19.320 17.867 15.941 17.258 18.883 19.441 18.640 19.995 19.844 20.353 11 1.294 1.341 889 1.041 201 1.041 570 685 1.154 111 6 999 771 14 17 15 14 15 16 14 14 6 6 14 6 51 6


11.109 14.544 14.492 2.796 2.728 2.430 7.763 11.578 10.944 550 238 1.118

70.167 98.164 20.542 19.990 228.835 20.746 21.185 278.299 95.866 149.817 22.077 21.904 21.921 22.317 3.279 3.582 3.473 3.158 3.159 3.484 3.610 3.821 3.675 3.946 4.144 4.090 3.895 3.934 65.584 88.181 10.727 10.478 219.014 10.717 10.905 267.270 84.950 139.030 10.964 10.527 16.695 17.540 1.304 6.401 6.343 6.353 6.662 6.546 6.669 7.208 7.241 6.841 6.969 7.286 1.331 844


16.683 17.235 22.386 16.577 17.101 22.355 106 134 31

30.699 33.898 30.953 28.769 29.444 30.176 30.618 31.032 30.585 31.995 32.786 34.918 32.840 32.615 30.305 33.471 30.541 28.389 29.088 29.827 30.188 30.720 30.284 31.738 32.532 34.666 32.555 32.521 393 427 413 380 355 349 430 313 302 257 254 252 285 95


114.513 109.163 139.519 124.429111.624 110.673 106.203 104.956 139.599 103.174 106.321 104.687 104.006 106.017 106.712 104.077 106.341 29.670 35.775 38.318 40.616 31.400 30.847 28.691 28.019 62.645 26.978 29.224 28.575 28.274 28.171 27.403 27.160 27.617 84.842 73.389 101.201 83.813 80.224 79.826 77.512 76.937 76.954 76.196 77.098 76.112 75.732 77.846 79.309 76.917 78.723

19




Tabel 1.17 Rekening Administratif BUSN Devisa (Foreign Exchange Commercial Banks Off-Balance Sheet) 2009

Des Des Des Des 2005 2006 2007 2008 Feb Tagihan Komitmen (Claim Commitments) Fasilitas pinjaman yang belum ditarik (Not yet withdrawn loan facilities) Posisi pembelian spot yang masih berjalan (Current spot purchases) Lainnya (Others) Kewajiban Komitmen (Liabilities Commitments) Fasilitas kredit kepada nasabah yang belum ditarik (Client credit facilities that are not yet withdrawn) Fasilitas kredit kepada bank lain yang belum ditarik (Other bank credit facilities that are not yet withdrawn) Irrevocable L/C yang masih berjalan (Current Irrevocable L/Cs) Posisi penjualan spot yang masih berjalan (Current spot sales) Lainnya (Others)

2.149 18 1.535 596

5.081 11.644 2.206 1.127 2.346 5.016 529 5.501

7.199 654 1.972 4.573

7.573 719 5.960 894

Mar

Apr

8.187 11.402 347 318 6.984 10.451 856 634

2010

Mei

Jun

Jul

Ags

Sep

8.394 309 7.181 904

7.197 306 6.179 713

8.130 298 6.891 941

8.388 10.093 302 0 7.070 9.269 1.015 824

Okt 7.834 0 7.038 797

Nov 7.485 0 6.166 1.319

Des

Jan

Feb

5.332 43.313 40.098 141 141 162 4.101 35.482 32.409 1.089 7.690 7.528

64.526 78.586 116.802 127.426 138.137 127.484 129.893 130.484 126.340 131.812 129.993 132.264 128.589 129.811 132.078 226.040 224.028 57.653 68.281 93.638 110.519 119.152 109.651 110.178 111.560 109.657 114.292 110.987 112.723 111.649 113.094 118.457 179.883 176.994 94 4.495 1.743 541

246 366 7.137 12.666 1.487 4.877 1.435 5.256


2.575 711 1.273 590

2.086 273 1.694 119


6.571 5.964 607

8.940 17.381 32.307 21.541 20.444 18.175 17.577 8.202 14.400 18.422 18.550 17.907 16.694 16.415 738 2.981 13.885 2.991 2.537 1.481 1.162

17.833 17.526 16.839 16.496 994 1.031

18.081 17.926 17.924 18.056 18.531 17.997 18.005 17.047 16.966 16.741 16.831 17.392 16.853 16.805 1.033 961 1.183 1.225 1.139 1.144 1.200

42.802 48.860 50.754 15.274 15.831 16.074 16.228 16.491 2.822 2.869 2.883 2.854 2.855 2.854 2.852 2.846 39.980 45.991 47.870 12.420 12.976 13.220 13.375 13.646

17.746 17.809 2.851 2.858 14.895 14.951

17.651 17.891 18.032 18.109 18.480 24.909 18.995 2.861 2.868 2.870 2.873 2.879 758 852 14.790 15.023 15.161 15.236 15.601 24.151 18.143


358 680 461 426 390 8.968 11.342 10.943 10.817 11.147 2.255 5.705 5.605 7.887 6.584 5.326 1.257 824 585 804

3.216 15.110 565 920 2.047 2.628 605 11.561

5.845 784 2.948 2.113

5.458 772 3.025 1.661

5.115 1.174 3.310 631

4.987 1.023 3.736 229

384 347 10.990 10.945 4.364 5.249 945 979 5.155 784 4.214 156

6.282 706 5.457 119

334 243 369 607 11.480 10.716 10.072 10.018 6.360 6.905 5.640 5.090 832 1.677 860 1.002 3.771 706 2.965 100

3.846 681 3.075 90

3.897 677 3.130 90

3.963 689 3.184 90

486 500 1.004 9.347 9.315 11.843 2.735 36.026 33.907 1.054 317 281 3.787 690 3.008 90

3.990 670 3.230 90

4.146 677 3.380 90




Tabel 1.18 Rekening Administratif BUSN Non Devisa (Non-Foreign Exchange Commercial Banks Off-Balance Sheet) 2009


Mar

Apr

Mei

Jun

Jul

2010 Ags

Sep

Okt

Nov

Des

Jan

Feb

30 9 21

40 9 32

83 9 74

75 0 75

121 0 121

133 0 133

145 0 145

128 0 128

120 0 120

124 0 124

92 379.921 0 0 92 379.921

69 0 69

62 0 62

62 0 62

63 0 63

66 0 0 66

1.836

1.666

1.882

1.966

2.121

2.163

2.186

2.232

2.289

2.415

2.461 101.063

2.254

2.283

2.232

2.226

2.156

1.806

1.618

1.853

1.926

2.032

2.058

2.078

2.134

2.203

2.285

2.402

2.173

2.217

2.251

2.197

2.190

2.115

2 27

5 44

3 25

6 34

9 80

9 97

9 98

12 85

10 77

9 121

9 50

10 98.880

14 24

14 17

10 25

13 23

15 0 0 26


194 179 15

202 177 25

156 147 9

100 95 4

110 0 106 4

112 0 109 2

109 0 102 7

140 0 132 9

117 0 115 2

133 0 129 4

137 0 134 3

139 0 136 3

134 0 133 0

144 2 141 2

137 1 136 0

152 1 148 3

157 1 153 4


124 117 7

103 95 8

127 112 16

120 107 12

115 92 23

99 89 10

127 87 40

121 85 36

117 83 34

129 97 33

235 117 118

163 119 44

172 129 43

156 125 32

194 121 73

180 103 76

203 102 101


598 42 556

590 41 549

637 41 596

530 39 491

613 36 577

628 36 592

1.037 36 1.001

944 36 908

951 36 914

960 35 926

958 37 921

999 35 963

1.043 35 1.007

1.015 19 997

710 21 689

668 19 649

666 19 648


21




Tabel 1.19 Rekening Administratif BPD (Regional Development Banks Off-Balance Sheet) 2009


Mar

Apr

Mei

Jun

Jul

2010

Ags

Sep 146 7 12 126

Okt

35 15 0 20

500 14 118 367

601 13 268 321

201 8 97 96

609 7 259 343

398 7 161 230

242 7 23 212

229 7 52 171

1.677

2.208

3.820

6.799

7.475

7.658

8.061

9.256

9.589

9.552

9.691

9.997 10.693 10.683 11.276 11.800 11.957

1.625

2.136

3.426

6.548

7.018

6.842

7.816

8.947

9.387

9.347

9.568

9.693 10.151 10.258 10.865 11.145 11.366

2 50

5 18 50

12 25 356

14 13 224

14 1 118 324

14 3 268 531

12 4 97 132

10 1 249 49

10 3 161 29

15 1 23 166

8 12 52 51

13 198 12 80

17 456 12 56

24 361 14 27

28 320 64

40 422 91 103

28 423 19 120

479 2 333 145

624 2 465 157

599 56 496 47

876 345 463 68

2.142 1.294 780 68

1.298 745 471 82

1.370 799 487 83

1.457 871 509 77

1.543 930 519 94

1.687 1.039 554 94

1.724 1.069 561 94

1.822 1.150 585 86

2.681 1.230 1.371 79

1.996 1.296 619 80

2.066 1.389 591 87

2.267 1.674 519 75

1.768 1.158 532 79


1.523 1.451 72

2.856 2.833 23

5.788 5.783 5

9.198 9.193 5

8.452 8.448 4

8.273 8.269 4

8.562 8.557 5

8.483 8.478 5

8.940 8.935 4

9.065 9.058 7

9.484 9.476 8

9.690 9.684 6

9.975 10.052 10.666 10.913 10.435 9.968 10.046 10.660 10.906 10.433 7 6 6 7 2


4.433 1.982 2.451

4.807 2.035 2.772

5.112 2.280 2.832

5.257 2.389 2.868

5.206 2.416 2.790

5.281 2.418 2.864

5.372 2.433 2.939

4.986 2.222 2.764

5.023 2.268 2.755

4.969 2.234 2.734

4.995 2.313 2.682

5.069 2.341 2.728

5.101 2.320 2.780

5.432 2.593 2.840

641 11 91 539

Feb

336 21 315

5.043 2.297 2.746

515 9 507

Jan

28 10 18


493 8 14 471

Des

42 16 26


581 8 12 561

Nov

4.515 2.288 2.226

1.873 40 1 1.832

6.541 2.385 4.156




Tabel 1.20 Rekening Administratif Bank Campuran (Joint Venture Banks Off-Balance Sheet) 2009


5.811 4.991 622 198

5.006 10.730 2.494 6.163 2.011 4.565 502 2

5.617 4.389 1.227 1

Mar

6.037 30.326 3.792 27.571 2.245 2.742 0 13

Apr

Mei

Jun

Jul

7.772 3.531 4.183 57

6.868 4.043 2.782 43

8.346 4.115 3.485 747

7.584 3.977 3.522 86

2010 Ags

Sep

7.304 10.108 4.127 4.130 3.060 5.488 117 489

Okt

Nov

Des

Jan

Feb

9.382 4.276 5.011 95

6.488 4.221 2.223 44

5.262 37.199 46.931 3.823 1.955 11.211 1.411 35.222 35.662 29 23 58


15.752 15.427 20.805 16.235 17.598 19.200 19.575 19.018 20.668 20.972 20.481 20.948 22.261 19.356 19.575 96.109 96.842


19.379 20.284 29.927 41.419 42.056 38.068 31.680 35.128 35.132 33.819 34.061 42.520 29.271 32.304 32.484 29.667 26.838 19.190 20.042 29.715 41.256 41.869 37.788 31.072 34.859 34.838 33.527 33.757 32.826 29.008 32.076 32.153 29.401 26.564 189 242 212 163 186 280 608 269 294 291 304 9.694 264 228 331 265 274 0

11.944 10.341 13.298 11.400 11.359 12.846 12.735 12.844 13.194 14.044 14.226 12.751 13.902 13.733 14.167 73.865 77.713 2.217 579 1.011

2.068 1.779 1.239

2.890 4.530 87

1 2.913 1.809 111

1 2.598 3.519 120

5 2.781 3.476 92

9 2.860 3.825 146

8 3.259 2.772 135

9 3.339 3.982 144

8 3.176 3.548 195

9 3.140 3.022 84

10 3.344 4.809 35

12 3.090 5.164 93

10 3.129 2.456 28

10 11 12 3.233 4.271 4.358 2.136 17.943 14.760 28 19 0


4.647 4.644 3

4.507 4.506 1

6.801 6.801 -

9.972 10.309 10.769 10.053 9.971 10.309 10.769 10.053 0 0

9.319 9.319 0

9.081 9.081 0

8.479 8.479 0

8.560 8.560 -

8.148 8.148 -

7.989 7.989 -

7.825 7.825 -

7.453 7.453 -

7.379 7.379 -

7.686 7.686 0


1.014 1.014

1.217 1.217

1.362 1.362

1.736 1.736

1.810 0 1.810

1.859 0 1.859

1.856 0 1.856

2.079 0 2.079

1.924 0 1.924

2.239 0 2.238

1.953 0 1.953

1.783 0 1.783

563 0 563

623 0 623

1.843 1.843

1.833 0 1.833

1.800 0 1.800

23




Tabel 1.21 Rekening Administratif Bank Asing (Foreign Owned Banks Off-Balance Sheet) 2009


2.142 2.113 29

5.415 5.406 9

8.590 8.577 13

Mar

Apr

Mei

Jun

Jul

2010 Ags

Sep

Okt

Nov

Des

Jan

Feb

7.562 22.849 19.789 18.501 24.274 18.645 19.387 18.992 22.883 14.194 19.319 10.442 27.551 26.588 2.396 2.311 2.646 2.573 257 2.481 2.520 2.416 2.388 2.364 2.349 2.338 2.334 7.557 20.441 17.470 15.848 21.696 18.384 16.902 16.470 20.466 11.802 16.953 8.093 25.213 24.254 5 12 9 6 6 4 4 2 1 4 2 1 0 1


43.992 41.203 49.917 46.696 64.809 62.215 60.760 65.690 65.781 63.529 63.648 67.787 59.751 66.849 58.413 160.658 165.029


37.556 46.991 71.351 93.815 108.191 97.053 91.561 90.603 71.948 73.691 88.487 83.040 80.162 77.829 78.670 74.178 77.295 36.072 45.582 69.689 92.737 107.005 95.889 90.475 89.550 70.883 72.634 87.396 81.953 79.060 76.715 77.602 73.159 76.265 1.412 1.303 1.538 940 1.044 1.019 941 904 914 906 937 931 943 953 905 852 862 73 105 124 138 142 145 146 149 150 151 154 155 158 161 163 166 168

Kewajiban Kontijensi (Liabilities Contingency) Garansi yang diberikan (Guarantees issued) Lainnya (Others) Lainnya (Others) Penerusan Kredit (Channelling Credit) Aktiva produktif yang dihapus bukukan (Written-off Earning assets)

39.402 32.909 37.471 37.488 41.246 42.022 41.962 42.357 42.343 42.258 44.481 44.562 45.321 45.992 47.625 68.735 76.373 2.862 1.717 11

3.398 4.891 5

6.273 6.163 10

3.114 3.514 3.151 3.376 3.819 5.531 3.867 4.254 3.927 4.069 4.494 6.089 20.037 17.033 15.416 19.509 17.905 17.405 14.912 19.297 10.356 16.360 4 12 9 6 6 2 0 0 0 4 2

0 4.282 4.691 4.812 6.506 87.232 83.844 0 0 0

8.729 11.018 24.947 41.489 42.611 40.406 37.503 36.540 35.751 35.270 33.871 32.887 32.087 30.900 29.692 28.618 28.820 8.729 11.018 24.947 41.489 42.611 40.406 37.503 36.540 35.751 35.270 33.871 32.887 32.087 30.900 29.692 28.618 28.820 0 0 633 633

1.732 1.732

1.698 154 1.544

1.596 67 1.529

2.216 2.230 539 548 1.677 1.682

2.213 461 1.752

2.773 695 2.078

3.976 717 3.260

3.333 3.333

3.297 3.297

3.394 3.425 3.394 3.425

3.331 3.331

2.074 2.074

234 234

749 0 749




Tabel 1.22 Kinerja Bank Umum (Commercial Banks Performance) Indikator (Indicator) CAR (%) - Modal (Capital) - ATMR (Risk Weighted Assets) KAP (Earning assets Quality) APYD terhadap Aktiva Produktif (%) (Classified Earning assets to Earning assets (%) - APYD (Classified Earning assets) - Total Aktiva Produktif (Total Earning assets) PPAPYD terhadap PPAPWD (%) (Earning Assets Write-off Reserve / Mandatory Earning assets Write-off Reserve (%) - PPAPYD (Earning assets Write-off Reserve) - PPAPWD (Mandatory Earning assets Write-off Reserve)

2009

Des Des Des Des 2005 2006 2007 2008 Feb 19,30 144.470 748.541

Mar

Apr

Mei

Jun2

Jul

2010 Ags

Sep

Okt

Nov

Des

Jan

Feb

21,27 19,30 16,76 18,04 18,03 17,83 17,52 18,17 17,34 17,12 17,76 17,51 17,08 17,42 18,66 19,21 183.391 211.176 238.270 258.400 255.888 244.632 254.069 255.869 252.440 253.343 262.824 261.690 262.221 268.601 281.840 296.734 862.145 1.094.196 1.421.448 1.432.301 1.418.843 1.371.985 1.449.896 1.407.974 1.455.653 1.479.671 1.479.672 1.494.620 1.534.989 1.541.598 1.510.098 1.544.988

4,70 3,91 3,03 2,95 3,29 3,33 3,30 3,33 3,23 3,28 3,28 3,28 3,22 3,22 2,83 3,00 3,06 62.980 61.192 56.026 66.144 75.753 76.591 75.030 75.890 74.718 75.128 75.128 76.252 75.572 76.798 69.856 73.523 75.518 1.339.752 1.565.103 1.851.990 2.242.282 2.300.867 2.297.967 2.272.105 2.276.315 2.316.641 2.293.410 2.293.410 2.326.203 2.349.879 2.385.255 2.464.256 2.452.293 2.465.617 127,25 43.210 33.957

126,88 47.918 37.767

193,95 49.137 25.335

168,12 64.068 38.108

154,53 68.678 44.442

143,98 70.415 48.904

157,12 69.734 44.384

127,97 72.391 56.571

128,46 72.929 56.771

168,66 74.309 44.058

170,98 74.309 43.460

134,90 77.625 57.544

138,42 79.342 57.321

138,56 78.994 57.011

157,55 77.526 49.208

243,59 77.878 31.971

139,24 80.357 57.713

Rentabilitas (Profitability) ROA (%) - Laba (Profit) - Rata-rata total aset (Average Assets) BOPO (%) (Opeations Expenses / Operations Income (%)1 - Biaya Operasional (Operations Expenses) - Pendapatan Operasional (Operations Income)

2,55 2,64 2,78 2,33 2,60 2,76 2,71 2,70 2,70 2,69 2,67 2,63 2,65 2,61 2,60 3,12 2,91 30.601 40.555 49.859 48.158 60.447 64.366 63.282 62.991 62.936 62.784 62.546 61.671 62.233 61.448 61.784 78.181 73.003 1.201.039 1.538.821 1.792.481 2.067.044 2.325.886 2.334.626 2.332.718 2.328.820 2.332.899 2.332.691 2.339.178 2.344.712 2.349.612 2.357.428 2.372.152 2.502.016 2.509.515 89,50 86,98 84,05 88,59 96,54 90,68 89,16 87,81 87,77 87,35 87,35 87,41 86,68 86,55 86,63 97,36 92,77 143.881 184.826 184.617 232.170 51.549 71.622 93.113 113.197 134.702 155.614 155.614 195.881 215.980 235.307 258.311 40.242 74.078 160.762 212.499 219.653 262.061 53.398 78.982 104.433 128.915 153.476 178.147 178.147 224.107 249.165 271.883 298.180 41.333 79.853

Likuiditas (Likuidity) Aktiva terhadap Pasiva - Likuid (%) LDR (%) - Kredit (Credits) - Dana Pihak Ketiga (Third Party Funds)2

2,64 3,06 3,55 4,49 2,98 3,40 3,38 3,27 3,47 3,58 3,64 5,17 3,49 3,68 4,03 3,66 3,68 59,66 61,56 66,32 74,58 73,50 73,08 72,86 73,19 73,20 74,07 74,07 73,55 73,90 73,67 72,88 72,13 73,97 695.648 792.297 1.002.012 1.307.688 1.301.844 1.305.389 1.297.635 1.305.377 1.335.033 1.338.116 1.338.116 1.366.076 1.377.561 1.397.578 1.437.930 1.405.640 1.428.788 1.166.065 1.287.102 1.510.834 1.753.292 1.771.098 1.786.157 1.780.918 1.783.644 1.823.803 1.806.621 1.806.621 1.857.251 1.864.084 1.896.952 1.973.042 1.948.890 1.931.638

Ket :

1 2

sampai dengan Desember 2005 menggunakan Dana yang diterima (Funds Received) data revisi

25




Tabel 1.23 Kinerja Bank Persero (State Owned Banks Performance) Indikator (Indicator) CAR (%) - Modal (Capital) - ATMR (Risk Weighted Assets) KAP (Earning assets Quality) APYD terhadap Aktiva Produktif (%) (Classified Earning assets to Earning assets (%) - APYD (Classified Earning assets) - Total Aktiva Produktif (Total Earning assets) PPAPYD terhadap PPAPWD (%) (Earning Assets Write-off Reserve / Mandatory Earning assets Write-off Reserve (%) - PPAPYD (Earning assets Write-off Reserve) - PPAPWD (Mandatory Earning assets Write-off Reserve)

2009

Des Des Des Des 2005 2006 2007 2008 Feb

Mar

Apr

Mei

Jun2

Jul

2010 Ags

Sep

Okt

Nov

Des

Jan

Feb

19,43 21,20 17,85 14,31 58.904 62.577 67.263 68.757 303.098 295.153 376.844 480.330

15,62 15,53 14,85 79.035 76.712 76.254 506.002 493.878 513.614

14,57 14,21 13,81 13,51 13,27 13,11 12,77 75.759 76.720 75.041 74.667 72.400 72.233 73.132 520.028 539.796 543.367 552.545 545.393 550.845 572.633

13,81 77.893 563.841

15,67 88.565 565.169

15,62 89.515 572.901

7,96 6,55 4,59 3,33 42.347 38.096 31.383 27.388 532.254 581.590 683.347 823.508

3,94 4,10 4,10 32.310 33.850 33.870 820.165 825.372 826.207

4,09 3,89 3,96 3,96 3,92 3,91 3,76 34.195 33.594 33.836 33.836 33.951 34.162 33.780 836.623 863.329 854.108 854.108 865.056 874.709 897.254

3,03 29.037 958.452

3,10 29.079 937.018

3,14 29.132 927.060

149,09 37.888 25.412

151,62 36.087 23.800

400,80 36.284 9.053

197,96 37.299 18.842

131,76 28.093 21.321

131,12 29.480 22.483

266,35 27.665 10.387

258,87 28.965 11.189

195,39 31.494 16.118

136,56 32.848 24.054

228,47 33.177 14.522

134,65 34.257 25.441

129,56 34.774 26.839

226,63 35.815 15.803

212,16 35.815 16.881

148,15 38.091 25.711

149,07 38.999 26.162

Rentabilitas (Profitability) ROA (%) - Laba (Profit) - Rata-rata total aset (Average Assets) BOPO (%) (Opeations Expenses / Operations Income (%) - Biaya Operasional (Operations Expenses) - Pendapatan Operasional (Operations Income)

2,54 2,22 2,76 2,72 13.471 12.776 17.887 19.979 529.689 574.323 647.872 734.720 95,17 97,05 90,68 89,92 71.333 72.383 67.776 77.148 74.957 74.585 74.745 85.799

2,60 2,68 2,64 2,64 2,57 2,67 2,63 21.681 22.515 22.249 22.333 21.563 22.465 22.257 832.485 838.675 841.789 846.793 838.756 842.529 847.378 94,18 92,13 93,62 93,62 95,44 92,95 92,42 40.310 47.514 56.498 56.498 71.947 79.075 86.016 42.799 51.572 60.346 60.346 75.382 85.072 93.067

2,71 23.258 858.353 92,35 94.645 102.480

2,90 27.440 946.008 96,37 10.061 10.440

2,77 26.196 944.899 88,42 17.660 19.974


2,56 3,17 3,58 4,15 2,60 3,40 3,37 3,17 3,45 3,64 3,46 5,12 3,51 3,36 51,04 59,93 62,37 70,27 73,06 73,40 73,68 74,50 74,79 75,64 75,64 74,64 74,95 73,68 256.413 287.910 356.151 470.665 471.491 480.597 484.482 491.163 511.883 512.725 512.725 518.113 524.081 531.249 502.374 480.394 571.008 669.827 645.356 654.751 657.564 659.249 684.450 677.812 677.812 694.161 699.218 720.979

3,96 69,55 544.870 783.384

3,31 70,08 529.897 756.125

3,60 73,38 536.471 731.073

Ket :

1

2,92 2,74 2,63 24.088 22.741 21.826 825.670 829.051 829.837 107,50 98,64 96,26 18.316 25.593 32.962 17.039 25.947 34.244

sampai dengan Desember 2005 menggunakan Dana yang diterima (Funds Received)




Tabel 1.24 Kinerja BUSN Devisa (Foreign Exchange Commercial Banks Performance) Indikator (Indicator)

2009


Jan

Feb

16,92 19,84 18,21 14,82 15,80 15,61 16,28 16,20 16,60 16,13 15,62 16,89 17,17 16,79 42.384 70.049 82.094 85.315 88.753 87.824 84.760 87.935 91.135 88.602 87.288 96.042 97.968 98.053 250.453 353.108 450.710 575.699 561.900 562.471 520.756 542.784 548.887 549.267 558.822 568.511 570.555 584.138

16,61 100.158 603.116

16,58 93.021 560.966

18,44 106.781 579.083

2,28 2,43 2,03 2,97 3,33 3,35 3,19 3,26 3,15 3,15 3,09 3,16 3,05 3,12 11.443 14.486 14.218 24.426 28.305 28.101 26.468 27.132 26.536 26.215 26.337 26.828 26.208 27.332 500.822 596.214 700.622 821.136 850.391 838.608 830.272 832.743 841.732 833.178 850.971 850.129 858.415 875.721

2,73 24.591 899.511

2,87 25.836 901.547

2,99 27.318 915.104

137,76 26.049 18.909

223,02 25.460 11.416

263,07 26.034 9.896

123,38 26.487 21.468


2,17 2,35 2,44 1,25 1,79 1,97 2,05 2,13 2,07 2,14 2,16 2,21 2,22 2,18 8.055 14.038 17.040 10.076 16.074 17.610 18.242 18.250 17.807 18.479 18.753 19.372 19.448 19.236 370.434 596.617 699.122 807.788 900.117 892.449 891.566 856.481 861.656 864.479 868.895 874.912 876.079 883.538 88,31 82,53 81,85 93,76 95,55 93,01 91,45 90,00 91,47 88,62 88,62 87,13 86,83 86,78 38.816 65.603 66.931 91.874 19.318 27.268 35.464 43.698 53.274 60.446 60.446 75.594 83.461 91.372 43.952 79.491 81.770 97.989 20.218 29.318 38.780 48.551 58.242 68.210 68.210 86.759 96.125 105.286

2,20 19.616 889.789 86,27 99.540 115.378

2,70 25.776 955.614 100,24 9.074 9.052

2,66 25.555 961.636 91,58 16.644 18.174


2,20 2,92 3,67 5,25 3,41 3,49 3,38 3,28 3,31 3,56 3,80 5,80 3,46 3,86 73,27 60,03 67,18 74,72 70,95 70,57 70,25 69,96 70,21 70,13 70,13 70,20 70,42 70,43 277.591 315.256 407.742 524.295 509.396 502.127 498.159 497.546 505.360 501.951 501.951 518.445 519.464 532.020 378.877 525.177 606.932 701.710 717.938 711.545 709.138 711.150 719.751 715.713 715.713 738.571 737.653 755.441

4,02 71,14 555.617 781.072

3,91 69,76 540.737 775.102

3,85 70,74 552.192 780.580

KAP (Earning assets Quality) APYD terhadap Aktiva Produktif (%) (Classified Earning assets to Earning assets (%) - APYD (Classified Earning assets) - Total Aktiva Produktif (Total Earning assets) PPAPYD terhadap PPAPWD (%) (Earning Assets Write-off Reserve / Mandatory Earning assets Write-off Reserve (%) - PPAPYD (Earning assets Write-off Reserve) - PPAPWD (Mandatory Earning assets Write-off Reserve)

Ket :

1 2

126,10 7.576 6.008

123,48 10.621 8.601

141,48 11.334 8.011

121,45 21.335 17.568

131,16 22.552 17.194

sampai dengan Desember 2005 menggunakan Dana yang diterima (Funds Received) Data Revisi

171,10 23.937 13.990

Apr

128,65 23.072 17.935

Mei

Jun2

Des

CAR (%) - Modal (Capital) - ATMR (Risk Weighted Assets)

Mar

126,14 23.606 18.714

123,99 23.821 19.212

Jul

2010

131,78 24.362 18.486

Ags

148,90 24.362 16.361

Sep

134,94 25.022 18.543

Okt

134,27 25.496 18.988

Nov

27




Tabel 1.25 Kinerja BUSN Non Devisa (Non-Foreign Exchange Commercial Banks Performance) Indikator (Indicator) CAR (%) - Modal (Capital) - ATMR (Risk Weighted Assets)

2009


2010

Mar

Apr

Mei

Jun2

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

15,32 2.114 13.802

19,27 3.459 17.951

23,14 5.020 21.694

24,44 5.832 23.858

24,24 6.248 25.779

26,34 6.131 23.270

24,92 5.982 24.002

24,30 6.105 25.127

22,88 6.039 26.389

21,65 6.121 28.278

21,35 6.347 29.734

19,97 6.149 30.795

19,90 6.494 32.633

18,89 6.360 33.673

19,01 6.740 35.451

18,84 7.308 38.788

18,76 7.307 38.949


3,92 722 18.404

2,90 757 26.141

1,96 677 34.610

1,61 608 37.729

2,01 804 40.047

1,95 746 38.370

2,03 784 38.579

1,96 776 39.624

2,01 836 41.614

2,09 895 42.778

2,35 1.036 44.052

2,22 992 44.596

2,09 961 46.090

2,27 1.061 46.770

2,02 1.017 50.318

2,35 1.145 48.628

2,50 1.230 49.256

121,91 415 340

177,72 500 282

144,47 643 445

184,60 692 375

165,96 863 520

142,43 787 552

151,28 819 541

160,87 835 519

169,16 828 489

182,30 839 460

169,74 839 494

148,88 859 577

227,92 934 410

153,41 978 638

147,74 1.003 679

139,28 1.042 748

173,65 1.073 618


0,96 182 18.952 97,48 2.408 2.471

2,08 531 25.572 92,25 3.854 4.178

2,99 991 33.119 83,58 4.369 5.227

2,20 865 39.379 86,73 5.078 5.854

1,00 443 44.179 95,72 1.122 1.173

1,13 468 41.497 93,96 1.548 1.647

1,16 487 41.909 93,01 2.070 2.226

1,25 530 42.411 93,07 2.639 2.836

1,07 461 43.111 95,28 3.303 3.466

1,43 625 43.766 94,31 3.902 4.137

1,37 609 44.463 94,31 3.902 4.137

1,31 582 44.375 95,54 5.186 5.428

1,28 579 45.099 95,43 5.913 6.197

1,20 547 45.767 96,34 6.654 6.907

1,35 628 46.600 95,02 7.307 7.689

1,40 748 53.503 109,52 807 737

1,45 781 53.834 94,87 1.392 1.468


1,54 82,48 16.842 20.419

2,49 78,26 19.114 24.423

2,08 78,26 23.863 30.491

2,25 81,66 27.122 33.213

1,92 80,03 28.374 35.454

2,17 78,59 26.261 33.414

2,22 78,39 26.683 34.041

2,15 77,70 27.308 35.147

2,55 76,42 28.323 37.060

2,45 79,79 30.069 37.685

2,62 79,79 30.069 37.685

2,66 81,30 31.917 39.260

2,37 82,80 33.057 39.926

2,53 84,36 34.165 40.500

2,35 81,17 35.700 43.980

2,43 82,49 35.104 42.557

2,41 84,16 36.231 43.049

Ket :

1





Tabel 1.26 Kinerja BPD (Regional Development Banks Performance) Indikator (Indicator)

2009


Jan

Feb

15,41 15,07 14,87 14,85 15,11 15,03 18.287 18.272 18.538 18.766 19.185 19.544 118.653 121.282 124.672 126.367 126.927 130.010

15,82 20.366 128.744

19,74 25.268 128.029

19,49 25.539 131.063

1,16 0,81 0,99 1,00 1,26 1,26 1,25 1,35 1,39 1,44 1,53 1,54 1,55 1,64 984 1.075 1.393 1.661 2.168 2.243 2.306 2.488 2.561 2.671 2.908 2.908 2.964 3.040 85.078 131.845 140.981 166.823 172.319 178.498 184.429 184.771 184.553 185.964 189.928 188.922 191.206 185.597

1,39 2.520 181.225

1,87 3.457 185.326

1,84 3.573 193.959

105,37 3.353 3.182

115,83 3.147 2.717

106,86 3.042 2.847

93,29 3.438 3.686


3,38 3,38 3,08 3,70 4,51 4,45 4,05 4,18 4,11 3,95 3,87 3,71 3,70 3,68 2.952 4.557 5.155 6.569 8.454 8.520 7.915 8.248 8.171 7.879 7.763 7.477 7.504 7.478 87.236 134.622 167.279 177.394 187.467 191.543 195.273 197.206 198.657 199.353 200.758 201.780 202.814 203.119 76,17 76,15 76,06 73,04 67,70 68,10 69,30 68,49 69,37 70,56 71,14 72,15 72,25 72,39 8.831 13.403 14.652 16.510 2.610 4.045 5.542 6.998 8.555 10.222 11.822 13.498 15.073 16.626 11.594 17.599 19.264 22.606 3.855 5.941 7.998 10.218 12.333 14.486 16.618 18.709 20.860 22.966

3,65 7.399 202.904 73,64 18.687 25.375

6,15 12.384 201.383 77,63 1.793 2.310

5,14 10.460 203.569 76,03 3.578 4.706


8,68 6,26 7,74 8,91 7,51 7,46 7,80 7,98 8,79 7,97 8,47 9,16 8,28 9,83 46,96 43,33 53,53 67,28 63,50 60,73 60,20 62,50 64,73 67,15 67,59 68,82 69,59 73,36 44.931 55.955 71.881 96.385 98.443 100.880 103.949 107.325 111.057 113.797 117.396 119.667 121.874 123.260 95.688 129.141 134.287 143.262 155.017 166.111 172.660 171.724 171.573 169.456 173.696 173.873 175.135 168.015

11,08 79,31 120.754 152.251

10,30 75,06 120.372 160.376

8,99 74,37 122.361 164.539


Ket :

1 2

19,24 9.180 47.725

111,47 1.236 1.109

19,12 11.586 60.591

143,57 1.570 1.094

Apr

18,35 16,82 20,23 20,59 18,05 14.224 17.025 21.398 21.062 20.164 77.533 101.190 105.755 102.299 111.720

105,63 1.906 1.804

110,82 2.499 2.255

660,24 2.706 410

sampai dengan Desember 2005 menggunakan Dana yang diterima (Funds Received) Data Revisi

118,16 2.726 2.308

114,12 2.841 2.489

Mei

Jun

16,94 19.479 115.015

Jul2

Des

CAR (%) - Modal (Capital) - ATMR (Risk Weighted Assets)

Mar

2010

105,10 2.917 2.776

122,69 2.968 2.419

416,96 3.073 737

Ags

103,54 3.176 3.067

Sep

104,50 3.252 3.112

Okt

106,68 3.295 3.089

Nov

29




Tabel 1.27 Kinerja Bank Campuran (Joint Venture Banks Performance) Indikator (Indicator) CAR (%) - Modal (Capital) - ATMR (Risk Weighted Assets)

2009


Apr

Mei

Jun2

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

25,06 22.189 88.555

26,26 22.215 84.596

26,96 22.262 82.579

29,35 20.706 70.555

27,75 22.096 79.626

27,25 22.209 81.502

27,80 22.235 79.994

27,69 22.991 83.046

30,78 12.664 41.151

28,22 15.920 56.416

27,35 22.521 82.334

27,04 22.002 81.375

26,92 22.841 84.841

26,51 22.932 86.507

3,56 2.267 63.588

3,10 2.118 68.277

2,17 1,79 1,97 2,35 2,36 2,29 2,35 2,38 2,26 2,20 2,12 2,11 2.054 2.242 2.602 3.356 3.275 3.147 3.198 3.179 3.075 2.938 2.924 2.911 94.740 125.190 132.332 142.649 138.646 137.286 136.105 133.426 136.278 133.338 137.778 137.788

2,06 2.877 139.962

2,20 3.138 142.584

2,16 3.034 140.658

114,72 1.819 1.586

113,96 1.470 1.290

105,67 2.409 2.280

125,76 2.183 1.736

87,36 2.150 2.461

94,47 2.203 2.332

Rentabilitas (Profitability) ROA (%) - Laba (Profit) - Rata-rata total aset (Average Assets) BOPO (%) (Opeations Expenses / Operations Income (%)1 - Biaya Operasional (Operations Expenses) - Pendapatan Operasional (Operations Income)

3,31 1.888 56.968 74,92 4.528 6.043

3,72 2.185 58.670 79,05 6.213 7.860

3,06 2,87 3,39 2,95 2,91 2,73 2,68 2,45 2,42 2,36 2,35 2,31 2.405 2.901 4.109 3.973 3.901 3.640 3.551 3.233 3.184 3.094 3.149 3.040 78.492 101.022 121.318 134.694 134.087 133.347 132.639 131.856 131.657 131.205 133.755 131.632 79,78 83,57 91,35 82,36 82,68 83,33 83,64 84,90 84,90 84,87 85,00 85,08 7.601 12.268 3.074 4.072 5.520 6.660 7.663 7.962 7.962 10.693 11.909 12.625 9.528 14.681 3.365 4.944 6.677 7.992 9.162 9.378 9.378 12.598 14.011 14.839

2,32 3.067 131.969 84,50 13.328 15.772

2,52 3.448 136.986 86,02 1.185 1.378

2,25 3.063 135.963 85,99 2.093 2.434


0,60 76,82 36.937 48.079

0,51 113,66 40.833 35.927

0,49 106,53 58.520 54.934

0,80 85,45 80.977 94.761

0,82 84,28 79.913 94.819

0,80 86,72 80.247 92.532

Ket :

1

126,44 1.527 1.208

105,92 2.009 1.897

0,64 98,63 75.849 76.902

26,11 20.638 79.039

Mar

28,78 11.476 39.878


24,95 19.266 77.216

2010

105,89 2.119 2.001

0,62 95,33 77.618 81.419


147,73 2.361 1.598

0,78 95,32 85.471 89.663

101,92 2.201 2.159

0,83 93,62 81.120 86.651

106,19 2.303 2.169

0,76 92,30 80.250 86.950

144,26 2.167 1.502

0,61 90,97 78.761 86.579

107,62 2.460 2.286

0,77 91,61 77.534 84.638

107,62 2.460 2.286

0,88 91,61 77.534 84.638

106,32 2.439 2.294

1,05 89,81 78.930 87.885

105,27 2.427 2.305

0,82 88,58 81.288 91.768

0,86 88,05 80.303 91.205




Tabel 1.28 Kinerja Bank Asing (Foreign Owned Banks Performance) Indikator (Indicator) CAR (%) - Modal (Capital) - ATMR (Risk Weighted Assets) KAP (Earning assets Quality) APYD terhadap Aktiva Produktif (%) (Classified Earning assets to Earning assets (%) - APYD (Classified Earning assets) - Total Aktiva Produktif (Total Earning assets) PPAPYD terhadap PPAPWD (%) (Earning Assets Write-off Reserve / Mandatory Earning assets Write-off Reserve (%) - PPAPYD (Earning assets Write-off Reserve) - PPAPWD (Mandatory Earning assets Write-off Reserve)

2009

Des Des Des Des 2005 2006 2007 2008 Feb 21,94 19.448 88.645

2010

Mar

Apr

Mei

Jun2

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

24,48 23.057 94.192

24,01 26.655 111.000

29,06 41.031 141.205

27,52 42.328 153.827

28,29 41.969 148.370

30,10 35.156 116.779

30,16 38.131 126.439

30,98 41.378 133.548

31,61 42.308 133.834

33,46 44.295 132.395

36,72 47.232 128.611

32,78 42.819 130.613

32,23 42.611 132.200

32,11 41.443 129.071

33,89 44.838 132.305

32,72 44.660 136.485

3,82 2,89 5.108 4.659 133.870 161.035

3,19 6.300 197.690

3,67 9.819 267.897

3,35 9.564 285.615

3,02 8.294 274.470

3,28 8.326 253.971

3,32 8.152 245.267

3,20 7.993 249.867

3,42 8.332 243.955

3,45 8.457 244.772

3,54 8.635 244.161

3,46 8.353 241.682

3,58 8.674 242.124

4,18 9.814 234.787

4,58 10.869 237.190

4,69 11.231 239.581

113,73 3.952 3.475

106,43 4.276 4.018

174,18 6.061 3.480

173,95 8.567 4.925

109,08 8.944 8.199

121,14 7.755 6.401

113,80 7.615 6.692

116,85 7.618 6.519

214,49 7.709 3.594

112,19 7.760 6.917

115,81 7.760 6.701

108,95 7.961 7.307

128,67 8.191 6.366

126,19 8.317 6.591

108,87 9.646 8.860

133,87 9.326 6.966

91,54 9.856 10.767


2,90 3.849 132.524 82,80 17.136 20.695

4,35 6.468 148.597 81,18 23.370 28.786

3,83 6.380 166.598 79,98 23.289 29.119

3,89 7.767 199.670 83,38 29.292 35.132

2,95 7.279 247.135 91,73 7.109 7.749

4,50 11.053 245.392 81,32 9.095 11.185

4,55 10.910 239.622 79,64 11.554 14.508

4,54 10.641 234.177 78,04 12.891 16.519

4,52 10.430 231.002 76,96 14.392 18.700

4,52 10.320 228.081 76,81 16.583 21.590

4,38 9.904 226.167 76,81 16.583 21.590

4,26 9.583 224.712 75,16 18.964 25.231

4,07 9.088 223.262 76,39 20.549 26.900

4,00 8.889 222.291 76,39 22.014 28.819

3,54 7.816 220.809 78,78 24.805 31.486

4,02 8.384 208.522 99,46 17.321 17.415

3,31 6.947 209.614 98,83 32.710 33.099


2,01 54,89 62.935 114.658

0,68 79,56 73.230 92.040

0,68 74,09 83.856 113.182

0,93 88,31 113.372 128.377

0,68 85,73 116.522 135.914

0,75 84,22 110.054 130.673

0,67 85,42 103.240 120.865

0,70 85,23 101.785 119.424

0,73 80,11 99.657 124.398

0,76 84,11 102.040 121.318

0,79 84,11 102.040 121.318

1,19 80,16 99.005 123.502

0,80 81,24 97.796 120.384

0,77 79,94 96.581 120.812

0,91 85,05 100.011 117.594

0,79 83,08 99.617 119.911

0,72 84,50 101.286 119.865

Ket :

1


31



Persen

Tabel 1.29 Rasio Kinerja Lainnya (Other Performance Ratio) Indikator (Indicator)

Des

Des

Des

2009

Des

2005 2006 2007 2008 Feb Net Interest Margin (NIM) Bank Persero (State Owned Banks) BUSN Devisa (Foreign Exchange Commercial Banks) BUSN Non Devisa (Non-Foreign Exchange Commercial Banks) BPD Regional (Development Banks) Bank Campuran (Joint Venture Banks) Bank Asing (Foreign Owned Banks) Bank Umum (Commercial Banks)

5,78 5,24 5,35 9,56 3,81 4,78 5,63

5,77 5,67 6,80 8,20 4,59 4,91 5,80

6,03 5,43 7,98 7,24 4,03 4,70 5,70

6,07 5,32 7,25 8,52 3,75 4,29 5,66

5,80 5,16 6,72 8,18 3,79 3,54 5,36

Mar

Apr

5,95 5,29 6,73 8,12 3,90 3,79 5,50

5,94 5,40 6,98 7,97 3,83 3,65 5,51

Mei 5,89 5,62 7,12 7,96 3,87 3,70 5,54

2010

Jun

Jul

Ags

Sep

Okt

Nov

5,88 5,60 7,21 7,91 3,84 3,83 5,55

5,85 5,63 7,29 7,88 3,80 3,76 5,56

5,80 5,63 7,32 7,83 3,80 3,84 5,55

5,71 5,63 7,54 7,80 3,78 3,80 5,49

5,83 5,64 7,71 7,80 3,79 3,83 5,55

5,80 5,62 7,86 7,82 3,78 3,81 5,54

Des 5,81 5,64 7,97 7,88 3,77 3,78 5,56

Jan

Feb

7,29 5,35 9,00 9,06 3,77 3,61 6,18

6,55 5,23 9,46 9,36 3,59 3,57 5,88



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

Des

Des

Des

2009

Des

2005 2006 2007 2008 Feb

Mar

Apr

Mei

Jun

Jul

2010 Ags

Sep

Okt

Nov

Des

Jan

Feb

Modal Inti (Tier One Capital) <100 m

44

39

30

22

24

21

21

19

16

15

14

12

12

11

11

8

7

>100 m

87

91

100

102

100

103

102

103

106

107

108

109

109

110

110

113

114

CAR (Capital Adequacy Ratio) <12%

12

13

14

11

8

7

14

11

14

15

18

18

16

15

12

9

7

>12%

119

117

116

113

116

117

109

111

108

107

104

103

105

106

109

112

114

<5%

100

100

108

105

105

102

102

101

98

99

99

99

101

98

107

105

100

>5%

31

30

22

19

19

22

21

21

24

23

23

22

20

23

14

16

21

<1,5%

41

47

46

41

50

45

44

45

41

39

38

40

39

41

42

31

37

>1,5%

90

83

84

83

74

79

79

77

81

83

84

81

82

80

79

90

84

NPL (Non Performing Loan Ratio)

ROA Return on Asset Ratio)

LDR (Loan to Deposit Ratio) <50%

25

29

20

9

11

13

12

14

10

8

7

8

10

10

11

13

13

>50%

106

101

110

115

113

111

111

108

112

114

115

113

111

111

110

108

108

Ket : *Data revisi bulan Des 2008, Jan 2009

33




Tabel 1.31 Perkembangan Aset Bank Umum (Growth of Commercial Bank Assets) Kelompok Bank (Category of Bank)

Des

Des

2009

Des Des

2005 2006 2007 2008 Feb

Mar

Apr

Mei

Jun 1

Jul

2010 Ags

Sep

Okt

Nov

Des

Jan

Feb

Bank Persero (State Owned Banks)

565.585 621.212

741.988 847.563

823.418 835.812

832.591 839.132

868.812

861.025 881.819 871.854

876.749 900.104

979.078

946.008 943.789

BUSN Devisa (Foreign Exchange Commercial Banks)

571.231 663.002

768.730 883.470

910.770 895.971

890.609 878.184

887.571

881.416 899.804 916.079

910.349 935.721

958.549

955.614 967.658

BUSN Non Devisa (Non-Foreign Exchange Commercial Banks) BPD (Regional Development Banks) Bank Campuran (Joint Venture Banks) Bank Asing (Foreign Owned Banks) Total Ket :

1

data revisi

26.283

29.657

106.411 159.476

39.012

42.467

45.018

42.870

43.142

44.431

46.605

47.717

49.339

50.015

51.607

52.449

55.762

53.503

54.164

170.012 185.252

189.269 199.693

206.464 204.941

205.913

203.531 210.629 209.956

212.116 206.169

200.542

201.383 205.754

64.421

90.480 118.131

124.477 135.856

132.266 130.736

129.109

127.158 130.265 127.643

132.946 132.710

135.675

136.986 134.941

140.679 156.083

176.278 233.674

250.789 241.908

222.312 212.397

215.125

210.557 212.770 213.069

210.217 212.578

204.502

208.522 210.707

59.639

1.469.827 1.693.850 1.986.501 2.310.557 2.343.741 2.352.110 2.327.383 2.309.821 2.353.136 2.331.404 2.384.626 2.388.616 2.393.983 2.439.731 2.534.106 2.502.016 2.517.014



Tabel 1.32 Bank Umum Berdasarkan Total Aset (Commercial Banks Based on Total Assets) Kelompok Bank (Category of Bank)

Desember 2005

Desember 2006

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

Desember 2007

Desember 2008


Februari 2009

Desember 2009


Februari 2010 < Rp. 1 Rp. 1 s.d. Rp. 10 s.d > Rp. 50 Triliun 10 Triliun 50 Triliun Triliun

jumlah Bank (total banks) Bank Persero (State Owned Banks) BUSN Devisa (Foreign Exchange Commercial Banks) BUSN Non Devisa (Non-Foreign Exchange Commercial Banks) BPD Regional (Development Banks) Bank Campuran (Joint Venture Banks) Bank Asing (Foreign Owned Banks) Total

0

1

1

3

0

1

1

3

0

0

2

3

0

0

2

3

0

0

2

3

0

0

0

4

0

0

0

4

8

12

12

2

6

15

12

2

5

14

11

5

3

16

10

6

3

16

10

6

2

18

8

6

2

19

8

6

30

7

0

0

28

8

0

0

26

9

1

0

24

8

1

0

23

9

1

0

21

9

1

0

21

8

1

0

4

20

2

0

1

18

7

0

1

18

7

0

0

19

7

0

0

19

7

0

1

17

8

0

0

18

8

0

3

14

1

0

2

14

1

0

0

15

2

0

1

8

6

0

1

8

6

0

1

8

7

0

1

8

7

0

2

3

6

0

2

3

6

0

1

4

6

0

0

4

4

2

0

4

4

2

0

4

5

1

0

4

5

1

47

57

22

5

39

59

27

5

33

60

29

8

28

55

30

11

27

56

30

11

25

56

29

11

24

57

29

11

35




Tabel 1.33 Peringkat Bank Umum Berdasarkan Aset (Bank Rating Based on Assets) Desember 2005

Peringkat (Rating)

Nama Bank (Bank Name)

Desember 2006

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


Total Aset (Total Assets)

Desember 2007

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



Desember 2008



Februari 2009



Desember 2009

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



Februari 2010




1

PT Bank Mandiri Tbk

255.315

17,37

PT Bank Mandiri Tbk

255.988

15,11 PT Bank Mandiri Tbk

306.563


340.181

14,72

PT Bank Mandiri Tbk

331.906

14,16 PT Bank Mandiri (Persero) Tbk

375.239


363.739

14,45

2

PT Bank Central Asia Tbk

150.741

10,26


177.611

10,49 PT Bank Central Asia Tbk

218.615

11,01 PT Bank Rakyat Indonesia Tbk

250.134

10,83


247.143

10,54 PT BRI (Persero) Tbk.

318.447

12,73 PT BRI (Persero) Tbk

307.921

12,23

3

PT Bank Negara Indonesia Tbk

150.600

10,25


168.863

9,97 PT Bank Rakyat Indonesia Tbk

204.009


246.702

10,68

PT Bank Rakyat Indonesia Tbk

235.678

10,06 PT Bank Central Asia Tbk.

283.182


282.963

11,24

4

PT Bank Rakyat Indonesia

123.056

8,37


154.979

9,15 PT Bank Negara Indonesia Tbk

184.463


200.974

8,70


197.080

8,41 PT BNI (Persero),Tbk

226.911


217.715

8,65

5

PT Bank Danamon Indonesia Tbk

66.820

4,55


79.708

4,71 PT Bank Danamon Indonesia Tbk

86.684


104.842

4,54


106.926

4,56 PT Bank Cimb Niaga, Tbk

106.889

4,27 PT Bank CIMB Niaga, Tbk

107.987

4,29

6

PT Bank Internasional Indonesia Tbk

47.311

3,22


48.316

2,85 PT Bank Niaga Tbk

54.733

2,76 PT CIMB Niaga Tbk

69.305

3,00

PT CIMB Niaga Tbk

74.728


96.806


96.194

3,82

7

PT Bank Niaga Tbk

41.363

2,81

PT Bank Niaga Tbk

46.464

2,74 PT Pan Indonesia Bank Tbk

51.384


63.628

2,75

PT Pan Indonesia Bank Tbk

66.950

2,86 PT Pan Indonesia Bank, Tbk

76.270


78.075

3,10

8


35.917

2,44


39.229

2,32 PT Bank Internasional Indonesia Tbk

50.941

2,56 PT Bank Permata Tbk

54.220

2,35

PT Bank Permata Tbk

57.678

2,46 PT BII Tbk

58.737


58.592

2,33

9

PT Bank Permata Tbk

34.412

2,34

Citibank N.A

38.169

2,25 Citibank N.A

45.021


54.068

2,34

Citibank N.A

56.404

2,41 PT BTN (Persero)

58.481

2,34 PT BII Tbk

57.822

2,30

10

Citibank N.A

33.008

2,25

PT Bank Permata Tbk

37.869


39.131

1,97 Citibank N.A

53.503

2,32

Standard Chartered Bank

54.411


56.213


54.415

2,16

Total

938.543

63,85

Total

1.437.557

62,22

Total

1.625.422

64,58

1.047.196

61,82 Total

1.241.544

62,50 Total

1.429.252

60,98 Total

1.657.176

66,24 Total




Tabel 1.34 Aktiva Produktif Bank Umum (Earning Assets of Commercial Banks) Des

Des

Des

2005 2006 2007 2008 Aktiva Produktif (Earning Asset) a. Lancar (Current) b. DPK (Special Mention) c. Kurang Lancar (Sub-Standard) d. Diragukan (Doubtful) e. Macet (Lost) Non Performing Earning Asset (Nominal) Rasio Non Performing Earning Asset (%)

1.339.752 1.216.190 64.863 18.077 11.581 29.040 58.698 4,38

Kredit a. Lancar (Current) b. DPK (Special Mention) c. Kurang Lancar (Sub-Standard) d. Diragukan (Doubtful) e. Macet (Lost)

695.648 583.543 59.516 15.337 11.062 26.191

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

52.589 7,56

Ket :

1

data revisi

1.565.103 1.851.990 2.242.282 1.446.264 1.742.691 2.108.571 67.604 65.257 80.607 10.909 6.901 11.472 5.955 3.523 5.500 34.370 33.619 36.131 51.234 3,27

44.043 2,38

53.104 2,37

792.297 1.002.012 1.307.688 680.805 900.094 1.190.245 63.436 61.150 75.571 9.183 5.874 8.177 5.869 3.489 5.406 33.005 31.405 28.290 48.057 6,07

40.767 4,07

2009

Des

41.872 3,20

Feb

Mar

Apr

Mei

Jun1

2.300.867 2.297.967 2.272.105 2.276.315 2.316.641 2.144.248 2.141.164 2.117.870 2.121.263 2.166.364 96.449 92.623 90.887 91.929 87.319 12.783 16.032 16.517 16.281 14.373 8.553 10.916 11.126 11.309 11.530 38.835 37.232 35.705 36.285 37.054 60.171 2,62

64.181 2,79

63.348 2,79

63.875 2,81

62.958 2,72

1.301.844 1.305.389 1.297.635 1.305.377 1.335.033 1.163.604 1.167.313 1.159.406 1.164.951 1.199.925 89.799 86.745 85.541 86.337 82.476 10.041 13.388 13.892 13.797 11.807 8.255 9.375 9.632 9.879 10.061 30.145 28.569 29.163 30.413 30.764 48.440 3,72

51.332 3,93

52.687 4,06

54.088 4,14

52.632 3,94

Jul

2010 Ags

Sep

2.293.410 2.342.796 2.326.203 2.142.364 2.188.163 2.167.806 86.440 89.764 96.149 16.651 16.612 14.647 11.047 10.871 10.837 36.907 37.386 36.763 64.606 2,82

64.869 2,77

62.248 2,68

1.338.116 1.365.942 1.366.076 1.202.367 1.227.441 1.223.016 81.433 84.166 91.090 13.951 13.730 11.981 9.585 9.405 9.148 30.781 31.200 30.841 54.317 4,06

54.335 3,98

51.970 3,80

Okt

Nov

Des

Jan

Feb

2.349.879 2.385.255 2.464.256 2.452.293 2.465.617 2.196.486 2.225.080 2.321.463 2.293.328 2.303.854 90.201 96.843 86.232 100.958 101.655 15.394 16.122 11.729 14.186 14.116 9.897 10.736 9.591 8.849 8.976 37.902 36.474 35.241 34.554 36.314 63.193 2,69

63.332 2,66

56.560 2,30

57.589 2,35

59.406 2,41

1.377.561 1.397.578 1.437.930 1.405.640 1.428.788 1.239.099 1.252.055 1.307.983 1.259.928 1.280.899 85.506 92.107 82.399 96.882 97.308 12.403 13.709 9.772 12.007 11.974 8.545 8.792 8.132 7.553 7.704 32.008 30.915 29.644 29.270 30.904 52.956 3,84

53.416 3,82

47.548 3,31

48.830 3,47

50.582 3,54

37




Tabel 1.35 Aktiva Produktif Bank Persero (Earning Assets of State Owned Banks) Des

Aktiva Produktif (Earning Asset) a. Lancar (Current) b. DPK (Special Mention) c. Kurang Lancar (Sub-Standard) d. Diragukan (Doubtful) e. Macet (Lost) Non Performing Earning Asset (Nominal) Rasio Non Performing Earning Asset (%) Kredit a. Lancar (Current) b. DPK (Special Mention) c. Kurang Lancar (Sub-Standard) d. Diragukan (Doubtful) e. Macet (Lost) Non Performing Loan (Nominal) Rasio Non Performing Loan (%) Ket :

1

data revisi

Des

Des

Des

2009

2010

2005 2006 2007 2008

Feb

Mar

Apr

Mei

Jun1

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

532.254 457.324 32.572 11.630 9.356 21.372

581.590 514.140 34.770 5.102 2.899 24.678

683.347 626.735 31.412 2.723 1.237 21.240

823.508 766.622 36.546 3.034 2.285 15.021

820.165 752.803 43.052 3.701 3.648 16.960

825.372 754.903 43.696 5.513 4.363 16.898

826.207 756.122 43.103 5.596 4.362 17.024

836.623 765.588 43.888 5.988 3.726 17.435

863.329 795.586 41.495 4.208 3.706 18.335

854.108 784.113 43.016 5.965 3.658 17.357

876.794 805.602 43.750 5.687 4.255 17.500

865.056 791.492 48.777 4.018 4.082 16.686

874.709 802.369 46.448 4.910 3.548 17.434

897.254 822.167 50.290 5.240 3.877 15.680

958.452 894.206 43.339 3.516 3.790 13.601

937.018 865.083 53.448 3.869 3.340 11.277

927.060 856.805 50.493 3.578 3.171 12.341

42.358 7,96

32.679 5,62

25.201 3,69

20.340 2,47

24.310 2,96

26.774 3,24

26.983 3,27

27.148 3,24

26.249 3,04

26.979 3,16

27.442 3,13

24.786 2,87

25.892 2,96

24.796 2,76

20.907 2,18

18.486 1,97

19.090 2,06

256.413 189.292 29.308 9.962 8.887 18.965

287.910 224.579 32.528 4.374 2.839 23.589

356.151 303.693 29.310 2.701 1.237 19.210

470.665 418.002 35.069 2.973 2.275 12.346

471.491 408.423 41.700 3.652 3.446 14.271

480.597 414.604 42.106 5.321 4.196 14.368

484.482 418.190 41.917 5.468 4.210 14.697

491.163 423.723 42.236 5.857 3.726 15.621

511.883 447.631 40.420 4.117 3.706 16.010

512.725 446.458 41.601 5.791 3.651 15.224

523.875 456.300 42.415 5.580 4.241 15.339

518.113 448.570 46.956 3.922 4.078 14.586

524.081 455.712 44.829 4.680 3.547 15.313

531.249 460.247 48.274 5.145 3.869 13.713

544.870 483.886 42.156 3.410 3.756 11.663

529.897 460.489 52.488 3.677 3.259 9.985

536.471 470.062 48.899 3.474 3.145 10.892

37.813 14,75

30.803 10,70

23.148 6,50

17.594 3,74

21.368 4,53

23.886 4,97

24.375 5,03

25.204 5,13

23.833 4,66

24.666 4,81

25.160 4,80

22.587 4,36

23.539 4,49

22.727 4,28

18.828 3,46

16.920 3,19

17.510 3,26




Tabel 1.36 Aktiva Produktif BUSN Devisa (Earning Assets of Foreign Exchange Commercial Banks) Des

Aktiva Produktif (Earning Asset) a. Lancar (Current) b. DPK (Special Mention) c. Kurang Lancar (Sub-Standard) d. Diragukan (Doubtful) e. Macet (Lost) Non Performing Earning Asset (Nominal) Rasio Non Performing Earning Asset (%) Kredit a. Lancar (Current) b. DPK (Special Mention) c. Kurang Lancar (Sub-Standard) d. Diragukan (Doubtful) e. Macet (Lost) Non Performing Loan (Nominal) Rasio Non Performing Loan (%) Ket :

1

data revisi

Des

Des

Des

2009

2010

2005 2006 2007 2008

Feb

Mar

Apr

Mei

Jun1

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

500.822 474.357 17.070 3.737 1.406 4.253

596.214 565.801 18.274 3.341 2.203 6.595

700.622 670.749 19.016 2.068 1.432 7.356

821.136 774.507 27.134 2.570 2.269 14.656

850.391 794.812 32.575 3.723 3.922 15.359

838.608 784.445 29.359 5.973 4.225 14.606

830.272 777.910 28.918 6.307 4.207 12.930

832.743 778.628 30.654 5.553 4.866 13.043

841.732 789.212 29.074 5.874 4.970 12.603

833.178 782.615 26.841 6.180 4.509 13.034

850.971 799.035 28.478 6.630 3.702 13.127

850.129 796.198 30.537 6.518 3.765 13.112

858.415 807.414 27.437 6.666 3.531 13.367

875.721 821.745 29.780 6.547 4.141 13.508

899.511 851.445 27.546 4.004 3.256 13.261

901.547 850.051 29.001 5.658 3.046 13.472

915.104 859.775 32.310 5.881 3.351 13.787

9.396 1,88

12.139 2,04

10.856 1,55

19.495 2,37

23.004 2,71

24.804 2,96

23.444 2,82

23.462 2,82

23.446 2,79

23.723 2,85

23.458 2,76

23.394 2,75

23.564 2,75

24.196 2,76

20.520 2,28

22.176 2,46

23.019 2,52

277.591 251.811 16.846 3.617 1.383 3.934

315.256 285.540 18.087 3.069 2.198 6.363

407.742 378.247 18.860 1.981 1.416 7.237

524.295 484.022 25.975 2.514 2.223 9.560

509.396 461.545 31.154 3.394 3.862 9.440

502.127 456.140 28.331 4.940 4.154 8.561

498.159 452.208 27.855 5.127 4.157 8.812

497.546 449.952 29.281 4.394 4.814 9.105

505.360 459.355 27.996 4.330 4.917 8.761

501.951 457.693 25.796 4.757 4.445 9.260

510.840 466.123 26.803 4.978 3.648 9.288

518.445 471.129 29.319 4.927 3.573 9.496

519.464 474.917 26.482 4.928 3.340 9.796

532.020 484.176 29.102 5.269 3.372 10.101

555.617 512.733 26.910 3.208 2.972 9.795

540.737 495.117 28.053 4.877 2.893 9.797

552.192 502.214 31.612 5.054 3.179 10.133

8.934 3,22

11.629 3,69

10.635 2,61

14.298 2,73

16.697 3,28

17.656 3,52

18.096 3,63

18.313 3,68

18.008 3,56

18.462 3,68

17.914 3,51

17.996 3,47

18.065 3,48

18.742 3,52

15.974 2,88

17.567 3,25

18.366 3,33

39




Tabel 1.37 Aktiva Produktif BUSN Non Devisa (Earning Assets of Non-Foreign Exchange Commercial Banks) Des

Des

Des

2005 2006 2007 2008 Aktiva Produktif (Earning Asset) a. Lancar (Current) b. DPK (Special Mention) c. Kurang Lancar (Sub-Standard) d. Diragukan (Doubtful) e. Macet (Lost) Non Performing Earning Asset (Nominal) Rasio Non Performing Earning Asset (%) Kredit a. Lancar (Current) b. DPK (Special Mention) c. Kurang Lancar (Sub-Standard) d. Diragukan (Doubtful) e. Macet (Lost) Non Performing Loan (Nominal) Rasio Non Performing Loan (%)

2009

Des Feb

Mar

Apr

2010

Mei

Jun1

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

18.404 17.069 688 154 83 411

26.141 24.650 867 122 94 409

34.610 33.177 935 75 65 357

37.729 36.296 964 145 116 208

40.047 38.149 1.333 126 122 317

38.370 36.724 1.070 143 103 330

38.579 36.821 1.175 126 119 338

39.624 37.970 1.014 173 126 342

41.614 39.825 1.126 158 119 386

42.778 40.896 1.138 219 96 428

44.052 41.836 1.363 250 131 472

44.596 42.469 1.309 209 198 412

46.090 44.108 1.185 181 168 448

46.770 44.447 1.472 232 167 452

50.318 48.063 1.463 217 128 448

48.628 46.073 1.699 187 170 499

49.256 46.460 1.896 205 168 527

647 3,52

625 2,39

497 1,44

468 1,24

565 1,41

576 1,50

583 1,51

640 1,62

663 1,59

744 1,74

854 1,94

818 1,84

798 1,73

851 1,82

792 1,57

856 1,76

900 1,83

16.842 15.323 787 167 95 469

19.114 17.653 867 122 93 379

23.863 22.468 935 75 65 320

27.122 25.690 964 145 116 207

28.374 26.477 1.332 126 122 317

26.261 24.615 1.070 143 103 330

26.683 24.925 1.175 126 119 338

27.308 25.654 1.014 173 126 342

28.323 26.533 1.126 157 119 386

30.069 28.187 1.138 219 96 428

31.306 29.099 1.363 240 131 472

31.917 29.799 1.309 199 198 412

33.057 31.085 1.185 171 168 448

34.165 31.852 1.472 222 167 452

35.700 33.451 1.462 212 128 448

35.104 32.555 1.698 187 170 494

36.231 33.445 1.895 205 164 522

732 4,34

594 3,11

460 1,93

468 1,73

565 1,99

576 2,19

583 2,19

640 2,34

663 2,34

744 2,47

843 2,69

808 2,53

788 2,38

841 2,46

787 2,20

851 2,42

890 2,46




Tabel 1.38 Aktiva Produktif BPD (Earning Assets of Regional Development Banks) Des

Des

Des


2009

Des

2010

Feb

Mar

Apr

Mei

Jun1

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

85.078 83.286 943 140 122 587

131.845 129.815 1.121 160 141 609

140.981 138.560 1.195 178 174 874

166.823 163.857 1.581 168 143 1.075

172.319 167.925 2.777 210 152 1.254

178.498 174.098 2.557 396 161 1.285

184.429 180.079 2.327 474 244 1.304

184.771 179.886 2.816 414 313 1.343

184.553 179.729 2.675 315 396 1.438

185.964 180.923 2.785 369 388 1.499

189.928 184.211 3.380 356 383 1.598

188.922 183.397 3.101 378 410 1.636

191.206 185.647 3.078 339 466 1.676

185.597 179.824 3.233 422 393 1.725

181.225 176.715 2.313 350 319 1.528

185.326 177.526 5.193 599 245 1.675

193.959 186.358 4.835 613 377 1.775

849 1,00

909 0,69

1.227 0,87

1.385 0,83

1.616 0,94

1.842 1,03

2.022 1,10

2.069 1,12

2.149 1,16

2.256 1,21

2.337 1,23

2.424 1,28

2.481 1,30

2.541 1,37

2.197 1,21

2.520 1,36

2.765 1,43

44.931 43.147 949 139 122 573

55.955 53.942 1.121 155 140 598

71.881 69.477 1.194 172 174 864

96.385 93.449 1.579 160 142 1.056

98.443 94.193 2.662 202 151 1.234

100.880 96.624 2.554 279 161 1.262

103.949 99.743 2.322 366 244 1.274

107.325 102.593 2.797 310 312 1.313

111.057 106.371 2.670 308 300 1.408

113.797 108.898 2.781 359 294 1.464

117.396 111.827 3.372 348 286 1.563

119.667 114.284 3.094 374 317 1.598

121.874 116.455 3.071 335 376 1.637

123.260 117.641 3.210 418 305 1.687

120.754 116.386 2.308 332 236 1.492

120.372 112.800 5.186 510 245 1.631

122.361 115.041 4.772 526 290 1.732

834 1,86

892 1,59

1.209 1,68

1.358 1,41

1.587 1,61

1.702 1,69

1.884 1,81

1.934 1,80

2.015 1,81

2.118 1,86

2.198 1,87

2.289 1,91

2.348 1,93

2.410 1,95

2.060 1,71

2.386 1,98

2.548 2,08

41




Tabel 1.39 Aktiva Produktif Bank Campuran (Earning Assets of Joint Venture Banks) Des

Des

Des


2009

Des

2010

Feb

Mar

Apr

Mei

Jun1

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

63.588 58.153 3.751 561 296 827

68.277 62.684 3.788 1.158 214 432

94.740 89.164 4.150 700 234 491

125.190 119.252 4.323 790 233 592

132.332 125.250 5.339 838 231 675

142.649 134.229 5.777 1.367 194 1.082

138.646 130.529 5.476 1.351 234 1.056

137.286 129.871 4.748 1.237 355 1.075

136.105 128.928 4.317 1.257 450 1.153

133.426 126.490 4.093 1.043 666 1.135

136.278 129.440 4.328 697 673 1.140

133.338 127.005 3.918 622 581 1.212

137.778 131.360 4.059 600 598 1.161

137.788 131.566 3.657 869 537 1.159

139.962 133.713 3.697 958 483 1.111

142.584 135.915 3.718 1.168 589 1.182

140.658 133.946 3.928 1.185 494 1.089

1.684 2,65

1.804 2,64

1.425 1,50

1.615 1,29

1.743 1,32

2.643 1,85

2.640 1,90

2.667 1,94

2.860 2,10

2.844 2,13

2.510 1,84

2.415 1,81

2.359 1,71

2.566 1,86

2.552 1,82

2.940 2,06

2.768 1,97

36.937 32.099 3.392 371 277 797

40.833 36.100 3.259 835 209 430

58.520 54.044 3.550 218 228 481

75.849 70.679 3.630 726 228 587

77.618 71.820 4.126 784 218 670

85.471 78.740 4.448 1.023 185 1.075

81.120 74.551 4.287 1.014 225 1.044

80.250 73.736 4.004 1.130 319 1.061

78.761 72.425 3.596 1.211 410 1.118

77.534 71.468 3.337 996 626 1.107

79.506 73.454 3.612 690 631 1.119

78.930 72.997 3.597 618 542 1.176

81.288 75.393 3.619 591 561 1.123

80.303 74.616 3.182 860 500 1.145

80.977 75.273 3.209 949 453 1.094

79.913 74.004 3.188 1.092 463 1.166

80.247 74.146 3.470 1.095 464 1.072

1.446 3,91

1.474 3,61

926 1,58

1.540 2,03

1.672 2,15

2.283 2,67

2.282 2,81

2.510 3,13

2.739 3,48

2.729 3,52

2.440 3,07

2.336 2,96

2.276 2,80

2.505 3,12

2.496 3,08

2.721 3,40

2.631 3,28




Tabel 1.40 Aktiva Produktif Bank Asing (Earning Assets of Foreign Owned Banks) Des

Des

Des

2009

Des

2010

2005 2006 2007 2008

Feb

Mar

Apr

Mei

Jun1

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

133.870 120.465 9.732 1.842 305 1.525

161.035 149.174 8.784 1.026 405 1.647

197.690 184.305 8.549 1.157 380 3.300

267.897 248.037 10.059 4.766 455 4.580

285.615 265.308 11.373 4.185 478 4.270

274.470 256.766 10.163 2.640 1.870 3.031

253.971 236.408 9.888 2.663 1.959 3.053

245.267 228.570 8.809 2.917 1.924 3.048

249.867 233.651 8.625 2.562 1.890 3.139

243.955 227.327 8.567 2.876 1.730 3.455

244.772 228.040 8.464 2.992 1.727 3.549

244.161 227.244 8.506 2.902 1.802 3.706

241.682 225.589 7.994 2.698 1.585 3.817

242.124 225.332 8.411 2.811 1.621 3.950

234.787 217.322 7.873 2.685 1.615 5.292

237.190 218.679 7.900 2.705 1.459 6.447

239.581 220.511 8.193 2.654 1.416 6.794

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

3.672 2,74

3.077 1,91

4.837 2,45

9.801 3,66

8.933 3,13

7.541 2,75

7.675 3,02

7.889 3,22

7.591 3,04

8.061 3,30

8.269 3,38

8.410 3,44

8.100 3,35

8.382 3,46

9.592 4,09

10.611 4,47

10.864 4,53

Kredit a. Lancar (Current) b. DPK (Special Mention) c. Kurang Lancar (Sub-Standard) d. Diragukan (Doubtful) e. Macet (Lost)

62.935 51.871 8.234 1.080 297 1.453

73.230 62.991 7.575 628 389 1.647

83.856 72.166 7.301 727 369 3.292

113.372 98.403 8.355 1.659 422 4.533

116.522 101.146 8.825 1.883 456 4.213

110.054 96.590 8.236 1.681 575 2.973

103.240 89.789 7.986 1.792 676 2.998

101.785 89.293 7.005 1.933 582 2.971

99.657 87.625 6.659 1.685 609 3.080

102.040 89.663 6.779 1.828 472 3.298

103.018 90.637 6.602 1.893 468 3.418

99.005 86.237 6.813 1.941 440 3.573

97.796 85.536 6.319 1.698 552 3.691

96.581 83.523 6.867 1.794 580 3.816

100.011 86.254 6.354 1.662 588 5.153

99.617 84.962 6.269 1.665 525 6.196

101.286 85.990 6.659 1.621 462 6.554

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

2.830 4,50

2.664 3,64

4.389 5,23

6.614 5,83

6.552 5,62

5.228 4,75

5.466 5,29

5.486 5,39

5.373 5,39

5.598 5,49

5.780 5,61

5.954 6,01

5.941 6,07

6.190 6,41

7.403 7,40

8.386 8,42

8.637 8,53

Aktiva Produktif (Earning Asset) a. Lancar (Current) b. DPK (Special Mention) c. Kurang Lancar (Sub-Standard) d. Diragukan (Doubtful) e. Macet (Lost)

43



Tabel 1.41 Pengelompokkan Bank Berdasarkan Rasio NPL (Bank Category Based on NPL Ratio) Jumlah Bank (Total Banks) Kelompok Bank (Category of Bank)

Desember 2005

Desember 2006

Desember 2007

Desember 2008

Februari 2009

Desember 2009

Februari 2010

NPL <=5% NPL >5% NPL <=5% NPL >5% NPL <=5% NPL >5% NPL <=5% NPL >5% NPL <=5% NPL >5% NPL <=5% NPL >5% NPL <=5% NPL >5% Bank Persero (State Owned Banks)

3

2

3

2

3

2

3

2

4

1

4

0

3

1

BUSN Devisa (Foreign Exchange Commercial Banks)

27

7

25

10

30

5

30

5

28

7

30

4

28

7

BUSN Non Devisa (Non-Foreign Exchange Commercial Banks)

30

7

27

9

29

7

30

3

29

4

28

3

26

4

BPD Regional (Development Banks)

24

2

25

1

25

1

24

2

24

2

25

1

24

2

Bank Campuran (Joint Venture Banks)

9

9

10

7

15

2

13

2

14

1

14

2

14

2

Bank Asing (Foreign Owned Banks)

8

3

10

1

6

5

5

5

6

4

6

4

5

5

101

30

100

30

108

22

105

19

105

19

107

14

100

21

Total




Tabel 1.42 Non Performing Loan Bank Umum Berdasarkan Sektor Ekonomi (Non Performing Loan of Commercial Banks Based on Economic Sector) Sektor Ekonomi (Economic Sector)

Des

Des

Des

2009

Des

2005 2006 2007 2008

Feb

Mar

Apr

Mei

Jun

Jul

2010 Ags

Sep

Okt

Nov

Des

Jan

Feb

1. Pertanian, perburuan dan sarana pertanian (Agriculture, hunting and agricultural facilities) 2. Pertambangan (Mining) 3. Perindustrian (Manufacturing) 4. Listrik, gas dan air (Water, gas and electricity) 5. Konstruksi (Construction)

3.188

3.165

2.121

1.857

2.405

2.661

2.971

3.330

3.170

3.075

3.000

2.768

2.797

2.856

2.494

1.842

1.860

1.192

1.101

737

911

1.050

759

739

512

570

566

587

583

709

672

774

818

804

26.734

19.383

14.593

14.674

16.488

19.372

19.309

19.392

18.303

18.573

18.294

15.552

15.082

15.181

12.411

12.743

13.066

390

266

96

22

20

18

19

19

19

7

14

14

17

17

18

601

597

2.860

1.698

1.642

1.856

3.097

3.078

3.175

3.203

3.033

3.223

3.127

3.145

3.401

3.170

2.316

2.039

2.244

7.433

10.200

8.940

8.040

9.281

10.183

10.689

11.522

11.693

12.271

12.485

12.729

13.535

13.842

12.254

9.834

10.372

1.971

2.131

841

1.565

1.910

1.503

1.678

1.628

1.516

1.601

1.632

1.786

1.818

1.955

1.762

2.226

2.138

3.378

3.057

2.798

3.226

3.692

3.654

3.646

3.728

3.769

3.929

3.840

3.797

3.854

4.215

3.373

3.397

3.778

6. Perdagangan, restoran dan hotel (Trade, restaurants and hotels) 7. Pengangkutan, pergudangan dan komunikasi (Transport, cargo storage and communications) 8.Jasa Dunia usaha (Business Services) 9.Jasa sosial/masyarakat (Social Services) 10. Lain-lain (Others)

739

393

263

291

358

726

629

654

680

817

828

863

868

879

756

1.069

1.224

4.704

6.663

8.735

9.430

10.139

9.379

9.833

10.100

9.886

10.255

10.528

10.733

10.874

10.628

11.388

14.262

14.499

45




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

Des

Des

Des

Des

2009

2005 2006 2007 2008 Feb

Mar

Apr

Mei

Jun

Jul

2010 Ags

Sep

Okt

Nov

Des

1.524

1.200

Jan

Feb

1.Pertanian, perburuan dan sarana pertanian (Agriculture, hunting and agricultural facilities) 2. Pertambangan (Mining) 3. Perindustrian (Manufacturing) 4. Listrik, gas dan air (Water, gas and electricity) 5. Konstruksi (Construction)

2.177

2.004

1.133

855

1.045

1.181

1.309

1.411

1.367

1.294

1.383

1.467

1.529

809

771

669

923

346

367

390

101

101

105

144

146

150

135

178

76

89

84

80

21.458

14.042

10.301

7.950

9.019

11.209

10.990

11.063

9.961

9.924

10.004

7.071

7.368

7.127

5.659

5.688

5.814

170

261

78

15

17

15

13

13

13

0

8

8

12

12

12

4

6

2.463

1.221

1.027

919

1.510

1.400

1.449

1.429

1.389

1.470

1.528

1.557

1.561

1.653

1.152

745

902

5.354

7.101

5.576

3.900

4.981

5.230

5.451

5.903

6.025

6.566

6.731

6.986

7.439

7.213

6.189

3.304

3.590

1.205

961

373

473

486

450

568

557

478

517

558

556

537

614

522

684

610

1.814

1.577

1.216

476

621

734

753

829

801

848

737

726

809

793

656

865

872

588

230

41

66

68

65

65

75

69

199

206

217

236

264

262

269

306

1.914

2.484

3.055

2.574

3.232

3.500

3.675

3.818

3.585

3.703

3.857

3.864

3.870

3.451

3.088

4.467

4.557





Tabel 1.44 Non Performing Loan BUSN Devisa Berdasarkan Sektor Ekonomi (Non Performing Loan of Foreign Exchange Commercial Banks Based on Economic Sector) Sektor Ekonomi (Economic Sector)

Des

Des

Des

2009

Des

2005 2006 2007 2008 Feb

Mar

Apr

Mei

Jun

2010 Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

1.Pertanian, perburuan dan sarana pertanian (Agriculture, hunting and agricultural facilities) 2. Pertambangan (Mining) 3. Perindustrian (Manufacturing)

727

952

730

756

1.096

1.178

1.352

1.379

1.455

1.453

1.276

957

945

1.040

1.031

813

877

128

106

131

249

303

312

324

102

84

82

96

121

214

213

343

351

344

2.720

3.384

2.654

3.392

3.812

4.567

4.518

4.636

4.454

4.656

4.531

4.706

4.171

4.230

3.249

3.508

3.706

4. Listrik, gas dan air (Water, gas and electricity)

220

1

17

5

1

1

1

1

2

2

2

1

1

1

2

593

585

5. Konstruksi (Construction)

212

311

404

626

1.164

1.221

1.234

1.257

1.110

1.165

975

968

1.191

822

611

607

661

1.434

2.499

2.653

3.405

3.474

4.007

4.155

4.390

4.422

4.412

4.416

4.391

4.720

5.191

4.737

5.062

5.110

728

808

431

1.047

1.359

665

683

673

644

690

654

847

881

800

559

694

740

1.267

1.321

1.379

2.328

2.625

2.417

2.540

2.490

2.476

2.534

2.546

2.528

2.481

2.940

2.236

2.166

2.519

106

122

177

188

243

609

504

514

548

546

546

529

518

507

430

586

613

1.392

2.125

2.058

2.301

2.620

2.678

2.786

2.870

2.821

2.922

2.872

2.947

2.943

2.998

2.777

3.186

3.209


47




Tabel 1.45 Non Performing Loan BUSN Non Devisa Berdasarkan Sektor Ekonomi (Non Performing Loan of Non-Foreign Exchange Commercial Banks Based on Economic Sector) Sektor Ekonomi (Economic Sector)

Des

Des

Des

2009

Des

2005 2006 2007 2008 Feb

Mar

Apr

Mei

Jun

Jul

2010 Ags

Sep

Okt

Nov

Des

Jan

Feb

1 .Pertanian, perburuan dan sarana pertanian (Agriculture, hunting and agricultural facilities) 2. Pertambangan (Mining) 3. Perindustrian (Manufacturing) 4. Listrik, gas dan air (Water, gas and electricity) 5. Konstruksi (Construction)

57

8

5

1

2

3

4

4

5

7

13

8

7

7

6

16

3

2

3

3

0

2

2

2

3

2

2

2

2

1

1

1

5

4

78

65

67

37

43

43

43

48

63

62

65

59

40

82

91

72

82

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

1

34

41

7

20

26

26

27

32

31

33

51

36

34

36

36

93

99

183

149

151

134

156

147

147

133

139

168

179

193

172

187

169

173

188

6. Perdagangan, restoran dan hotel (Trade, restaurants and hotels) 7. Pengangkutan, pergudangan dan komunikasi 19

16

12

12

33

41

42

41

39

39

53

27

29

43

45

47

43

8 .Jasa Dunia usaha (Business Services)

(Transport, cargo storage and communications)

103

67

72

93

100

119

126

177

188

225

225

230

239

216

196

201

213

9 .Jasa sosial/masyarakat (Social Services)

25

25

14

19

22

22

22

27

25

29

31

33

28

31

29

22

22

231

219

129

151

181

174

171

175

171

178

223

221

237

239

213

223

236

10. Lain-lain (Others)




Tabel 1.46 Non Performing Loan BPD Berdasarkan Sektor Ekonomi (Non Performing Loan of Development Banks Based on Economic Sector) Sektor Ekonomi (Economic Sector)

Des

Des

Des

2009

Des

2005 2006 2007 2008 Feb

Mar

Apr

Mei

Jun

Jul

2010 Ags

Sep

Okt

Nov

Des

Jan

Feb

1.Pertanian, perburuan dan sarana pertanian (Agriculture, hunting and agricultural facilities) 2. Pertambangan (Mining) 3. Perindustrian (Manufacturing) 4. Listrik, gas dan air (Water, gas and electricity)

97

108

145

188

205

217

228

228

251

230

237

240

227

245

217

165

168

3

6

4

3

3

3

3

3

3

3

2

3

8

7

3

16

17

19

26

34

87

86

85

91

93

98

98

111

128

116

114

84

180

195

-

1

-

2

2

2

5

4

4

4

4

4

5

4

4

4

5

130

105

191

266

371

403

436

456

470

532

558

570

600

635

494

576

568

278

285

407

423

484

499

558

592

626

648

665

728

739

762

667

635

831

19

36

21

22

22

23

54

27

30

30

37

33

47

37

79

134

126

8.Jasa Dunia usaha (Business Services)

98

65

100

86

97

105

109

116

186

199

203

158

169

163

176

73

82

9.Jasa sosial/masyarakat (Social Services)

20

16

19

14

13

16

15

14

14

20

22

64

64

55

18

165

171

172

245

287

268

305

349

385

401

334

354

359

360

373

388

319

438

385

5. Konstruksi (Construction) 6. Perdagangan, restoran dan hotel (Trade, restaurants and hotels) 7. Pengangkutan, pergudangan dan komunikasi (Transport, cargo storage and communications)


49




Tabel 1.47 Non Performing Loan Bank Campuran Berdasarkan Sektor Ekonomi (Non Performing Loan of Joint Venture Banks Based on Economic Sector) Sektor Ekonomi (Economic Sector)

Des

Des

Des

2009

Des

2005 2006 2007 2008 Feb

Mar

Apr

Mei

Jun

Jul

2010 Ags

Sep

Okt

Nov

Des

Jan

Feb

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

94

28

67

53

53

62

60

306

90

89

89

94

87

39

38

38

38

-

-

-

-

-

-

-

-

50

49

48

46

44

125

86

111

111

1.067

838

593

953

1.180

1.317

1.218

1.599

1.594

1.279

1.179

1.117

1.346

1.232

1.209

1.186


-

2

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-


1

1

3

13

14

14

17

16

23

10

3

3

4

12

13

15

11

154

137

94

124

121

228

218

284

284

282

301

279

287

306

318

424

416

2. Pertambangan (Mining) 3. Perindustrian (Manufacturing)

1.046

6. Perdagangan, restoran dan hotel (Trade, restaurants and hotels) 7. Pengangkutan, pergudangan dan komunikasi 0

309

-

6

6

319

327

325

321

321

324

318

318

314

414

524

477



52

19

7

197

199

226

66

64

65

69

72

96

92

37

64

64

64


-

-

8

-

8

10

19

19

20

20

19

17

17

18

16

14

14

78

141

153

194

225

243

257

278

288

296

304

305

310

308

314

321

315





Tabel 1.48 Non Performing Loan Bank Asing Berdasarkan Sektor Ekonomi (Non Performing Loan of Foreign Owned Banks Based on Economic Sector) Sektor Ekonomi (Economic Sector)

Des

Des

Des

2009

Des

2005 2006 2007 2008 Feb

Mar

Apr

Mei

Jun

Jul

2010 Ags

Sep

Okt

Nov

Des

Jan

Feb

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

38

65

41

5

5

21

17

2

2

2

2

2

2

2

2

1

1

2. Pertambangan (Mining)

1.927

64

252

291

353

340

309

300

287

284

289

277

264

249

252

251

248

3. Perindustrian (Manufacturing)

1.392

1.028

943

2.255

2.481

2.286

2.350

2.334

2.128

2.240

2.303

2.409

2.270

2.281

2.097

2.085

2.082


-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

20

19

11

12

14

13

12

12

12

12

12

12

12

12

10

2

2

30

29

59

55

65

71

160

220

196

195

193

151

178

183

173

236

237

-

1

3

5

5

5

4

5

5

5

5

5

5

147

144

143

144


44

8

24

46

49

53

52

51

53

54

57

60

64

67

46

27

28


-

-

3

4

4

4

4

4

4

4

4

4

5

5

1

13

98

916

1.450

3.053

3.942

3.576

2.435

2.558

2.559

2.687

2.802

2.914

3.034

3.141

3.245

4.678

5.628

5.796

5. Konstruksi (Construction) 6. Perdagangan, restoran dan hotel (Trade, restaurants and hotels) 7. Pengangkutan, pergudangan dan komunikasi (Transport, cargo storage and communications)


51




Tabel 1.49 Non Performing Loan Bank Umum Berdasarkan Sektor Ekonomi Per Wilayah (Februari 2010) (Non Performing Loan of Commercial Banks Based on Economic Sector by Region)

Wilayah

Jawa Barat (West Java) Banten DKI Jakarta (Special Capital Province of Jakarta) D.I Yogyakarta (Special Province of Yogyakarta) Jawa Tengah (Central Java) Jawa Timur (East Java) Bengkulu Jambi Nanggroe Aceh Darussalam Sumatera Utara (North Sumatra) Sumatera Barat (West Sumatra) Riau Kepulauan Riau Sumatera Selatan (South Sumatra) Bangka Belitung Lampung Kalimantan Selatan (South Kalimantan) Kalimantan Barat (West Kalimantan) Kalimantan Timur (East Kalimantan) Kalimantan Tengah (Central Kalimantan) Sulawesi Tengah (Central Sulawesi) Sulawesi Selatan (South Sulawesi) Sulawesi Utara (North Sulawesi) Sulawesi Tenggara (Southeast Sulawesi) Sulawesi Barat (West Sulawesi) Gorontalo Nusa Tenggara Barat (West Nusa Tenggara) Bali Nusa Tenggara Timur (East Nusa Tenggara) Maluku Papua Maluku Utara (North Maluku) Irian Jaya Barat Lainnya (Others) Total

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

Pertambangan Perindustrian (Mining) (Manufacturing)

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

Konstruksi (Construction)

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

Pengangkutan, pergudangan dan komunikasi Jasa Dunia (Transport, usaha (Business cargo storage Services) and communications)

Jasa sosial/ masyarakat (Social Services)

Lain-lain (Others)

75 5 896 5 22 96 15 9 8 248 80 128 68 1 0 62 4 67 5 1 4 19 11 6 1 1 0 17 5 1 1 1 0 -

22 3 687 0 1 1 0 0 0 10 0 1 0 0 1 0 6 0 50 0 7 0 0 14 1 0 -

845 178 8.331 97 557 1.719 2 32 86 604 8 105 28 53 0 27 25 6 8 1 24 225 2 0 3 1 6 13 4 2 21 0 8 43

2 3 582 0 0 0 1 3 0 1 0 4 0 -

292 97 705 8 33 44 7 9 34 308 10 53 115 13 1 14 14 19 156 14 5 105 29 5 3 26 2 52 19 24 16 1 11 -

969 119 4.319 62 687 964 37 47 146 629 152 107 139 104 77 241 101 75 120 16 218 305 115 12 29 31 101 233 37 15 38 15 17 96

15 9 1.713 1 19 67 1 3 2 92 31 17 12 56 9 11 0 43 0 0 11 7 0 5 0 6 6 1 2 1 0 -

256 77 2.645 12 61 73 10 14 10 211 10 22 32 43 0 8 11 23 38 3 4 84 8 1 1 1 5 74 1 1 1 0 2 36

170 15 590 4 24 66 10 6 14 40 8 19 3 23 0 4 2 19 43 1 4 35 5 44 1 0 0 33 6 0 12 1 1 20

1.315 436 8.804 92 467 957 20 95 92 399 74 189 93 106 6 106 82 48 175 19 65 385 128 21 23 32 31 117 22 13 47 15 8 14

1.860

804

13.066

597

2.244

10.371

2.138

3.778

1.222

14.495




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

Des

Des

Des

Des

2005 2006 2007 2008

2009

2010

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

Total Modal Kerja (Working Capital)

27.519

25.979

19.892

22.953

26.537

30.775

31.081

31.835

31.453

32.196

32.278

30.200

30.333

31.634

26.630

25.494

26.361

Total Investasi (Total Investment)

20.467

15.509

12.230

9.607

11.937

11.390

12.004

12.392

11.528

12.102

11.785

11.277

11.978

11.365

9.719

10.810

11.283

4.603

6.569

8.645

9.313

9.967

9.167

9.602

9.861

9.658

10.019

10.271

10.494

10.645

10.417

11.199

12.526

12.938

Total Konsumsi (Total Consumption)

53




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

Des

Des

Des

Des

2005 2006 2007 2008

2009

2010

Feb Jan

Mar Feb

Apr Mar

Mei Apr

Jun Mei

Jul Jun

Ags Jul

Sep Ags

Okt Sep

Nov Okt

Des Nov

Jan Des

Feb Jan

Total Modal Kerja (Total Working Capital)

20.363

17.868

11.951

11.028

13.427

15.740

16.026

16.656

15.763

16.157

16.478

14.314

14.895

14.928

12.042

9.921

10.242


15.630

10.535

8.221

4.092

4.865

4.835

4.884

4.946

4.690

5.013

5.052

4.617

4.966

4.527

3.858

4.055

4.125

1.820

2.400

2.976

2.474

3.077

3.311

3.465

3.602

3.380

3.497

3.630

3.656

3.678

3.272

2.928

2.944

3.143





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

Des

Des

Des

2009

Des

2005 2006 2007 2008

Feb

Mar

Apr

Mei

Jun

2010

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb


3.446

5.385

5.311

7.512

8.186

10.017

9.918

9.978

10.244

10.311

10.188

10.270

9.943

10.910

9.288

9.493

10.037


4.099

4.127

3.274

4.496

5.903

4.978

5.407

5.483

4.971

5.254

4.879

4.804

5.207

4.861

3.937

5.045

5.220


1.388

2.118

2.050

2.290

2.608

2.661

2.771

2.852

2.801

2.898

2.847

2.922

2.915

2.971

2.750

3.028

3.108

55




Tabel 1.53 Non Performing Loan BUSN Non Devisa Berdasarkan Jenis Penggunaan (Non Performing Loan of Non Foreign Exchange Commercial Banks Based on Type of Use) Jenis Penggunaan (Type of Use) Total Modal Kerja (Total Working Capital) Total Investasi (Total Investment) Total Konsumsi (Total Consumption)

Des

Des

Des

Des

2005 2006 2007 2008

2009 Feb Jan

Mar Feb

Apr Mar

Mei Apr

Jun Mei

Jul Jun

2010 Ags Jul

Sep Ags

Okt Sep

Nov Okt

Des Nov

Jan Des

Feb Jan

431

316

277

248

286

260

286

283

306

372

415

375

333

371

356

402

408

70

60

55

69

97

142

126

183

186

194

205

212

217

232

219

230

256

230

219

129

151

181

174

171

175

171

177

223

221

237

239

212

219

227




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

Des

Des

Des

2009

Des

2005 2006 2007 2008

Feb

Mar

2010

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb


421

446

670

776

949

996

1.105

1.152

1.262

1.358

1.421

1.502

1.557

1.612

1.394

1.484

1.687


244

204

256

320

338

363

399

387

422

411

423

431

426

414

349

475

486


169

242

284

262

300

343

380

396

331

348

354

355

365

383

317

427

375

57




Tabel 1.55 Non Performing Loan Bank Campuran Berdasarkan Jenis Penggunaan (Non Performing Loan of Joint Venture Banks Based on Type of Use) Jenis Penggunaan (Type of Use) Total Modal Kerja (Total Working Capital) Total Investasi (Total Investment) Total Konsumsi (Total Consumption)

Des

Des

Des

2009

Des

2005 2006 2007 2008

Feb

Mar

Apr

2010

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

1.008

877

657

1.148

1.220

1.453

1.437

1.433

1.792

1.786

1.540

1.428

1.388

1.428

1.399

1.646

1.601

359

456

116

198

226

587

588

799

660

646

596

602

578

769

783

759

719

78

141

153

194

225

243

257

278

288

296

304

305

310

308

314

316

311




Tabel 1.56 Non Performing Loan Bank Asing Berdasarkan Jenis Penggunaan (Non Performing Loan of Foreign Owned Banks Based on Type of Use) Jenis Penggunaan (Type of Use) Total Modal Kerja (Total Working Capital) Total Investasi (Total Investment) Total Konsumsi (Total Consumption)

Des

Des

Des

Des

2005 2006 2007 2008

2009 Feb

Mar

Apr

2010

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

1.850

1.088

1.027

2.240

2.468

2.308

2.309

2.333

2.087

2.211

2.236

2.310

2.217

2.384

2.153

2.549

2.386

65

127

309

432

507

485

598

595

599

585

630

610

583

562

573

246

477

916

1.450

3.053

3.942

3.576

2.435

2.558

2.559

2.687

2.802

2.914

3.034

3.141

3.245

4.678

5.592

5.774

59




Tabel 1.57 Non Performing Loan Bank Umum Berdasarkan Jenis Penggunaan Per Wilayah (Februari 2010) (Non Performing Loan of Commercial Banks Based on Type of Use by Region) Wilayah Jawa Barat (West Java) Banten DKI Jakarta (Special Capital Province of Jakarta) D.I Yogyakarta (Special Province of Yogyakarta) Jawa Tengah (Central Java) Jawa Timur (East Java) Bengkulu Jambi Nanggroe Aceh Darussalam Sumatera Utara (North Sumatra) Sumatera Barat (West Sumatra) Riau Kepulauan Riau Sumatera Selatan (South Sumatra) Bangka Belitung Lampung Kalimantan Selatan (South Kalimantan) Kalimantan Barat (West Kalimantan) Kalimantan Timur (East Kalimantan) Kalimantan Tengah (Central Kalimantan) Sulawesi Tengah (Central Sulawesi) Sulawesi Selatan (South Sulawesi) Sulawesi Utara (North Sulawesi) Sulawesi Tenggara (Southeast Sulawesi) Sulawesi Barat (West Sulawesi) 1 Gorontalo Nusa Tenggara Barat (West Nusa Tenggara) Bali Nusa Tenggara Timur (East Nusa Tenggara) Maluku Papua Maluku Utara (North Maluku) Irian Jaya Barat Lainnya (Others) Total

Modal Kerja

Investasi 2.091 405 14.056 173 1.261 2.693 57 91 270 1.408 188 282 297 68 81 347 133 95 331 30 247 725 157 66 36 66 109 223 57 40 84 16 34 144 26.359

Konsumsi 740 133 6.910 31 246 577 30 69 70 781 136 191 125 225 0 59 60 125 150 11 36 143 38 13 9 24 14 230 23 7 14 7 7 51 11.282

1.130 404 8.307 78 362 716 15 56 53 355 50 167 70 106 6 65 63 37 157 15 52 299 109 9 17 20 23 93 19 10 40 10 7 14 12.934




Tabel 1.58 Non Performing Loan Berdasarkan Lokasi Bank Penyalur Kredit (Non Performing Loan of Commercial Banks Based on Location of Bank) Lokasi (Location)

Des Des

2005 2006 2007 2008 Jawa Barat (West Java) Banten DKI Jakarta (Special Capital Province of Jakarta) D.I Yogyakarta (Special Province of Yogyakarta) Jawa Tengah (Central Java) Jawa Timur (East Java) Bengkulu Jambi Nanggroe Aceh Darussalam Sumatera Utara (North Sumatra) Sumatera Barat (West Sumatra) Riau Kepulauan Riau Sumatera Selatan (South Sumatra) Bangka Belitung Lampung Kalimantan Selatan (South Kalimantan) Kalimantan Barat (West Kalimantan) Kalimantan Timur (East Kalimantan) Kalimantan Tengah (Central Kalimantan) Sulawesi Tengah (Central Sulawesi) Sulawesi Selatan (South Sulawesi) Sulawesi Utara (North Sulawesi) Sulawesi Tenggara (Southeast Sulawesi) Sulawesi Barat (West Sulawesi) Gorontalo Nusa Tenggara Barat (West Nusa Tenggara) Bali Nusa Tenggara Timur (East Nusa Tenggara) Maluku Papua Maluku Utara (North Maluku) Irian Jaya Barat Lainnya (Others)

2.603 2.589 375 656 32.432 26.535 152 244 1.669 2.332 3.737 4.796 44 64 338 341 104 55 3.265 3.836 281 301 1.493 1.002 236 199 24 31 128 186 701 511 205 178 316 410 77 48 148 243 1.820 1.815 205 245 119 93 47 51 65 71 272 465 210 59 33 34 43 55 7 16 1.441 598

2009

Des Des

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

Feb

3.345 3.757 605 784 25.773 29.104 181 202 1.742 1.985 2.771 3.045 65 74 214 247 177 222 1.799 2.273 244 271 438 565 312 403 276 297 26 104 439 791 433 475 202 282 450 503 47 81 262 307 716 907 257 311 93 80 45 68 105 121 141 156 245 348 75 84 47 53 72 82 47 49 22 32 205 379

Mar

Apr

Mei

Jun

3.790 855 29.925 232 2.704 3.771 77 260 233 2.296 281 578 455 309 106 867 496 270 526 60 353 945 353 104 68 130 159 385 89 59 87 51 33 425

3.856 860 30.297 305 2.793 3.787 93 294 258 2.504 303 630 493 299 110 949 485 376 578 67 381 1.002 347 95 68 132 165 391 92 63 124 51 46 394

4.032 4.016 837 907 30.596 30.150 328 336 2.910 2.578 4.076 3.937 89 90 309 335 312 299 2.727 2.497 308 311 633 614 521 539 319 298 113 108 978 810 494 483 441 430 597 567 74 70 396 386 1.041 1.000 374 365 86 87 76 78 148 146 163 164 420 363 99 105 63 64 105 109 56 49 52 37 318 312

Jul

2010 Ags

4.221 4.228 920 954 30.749 30.767 358 378 2.622 2.479 4.078 4.092 93 96 348 352 329 366 2.705 2.611 327 330 634 636 556 566 291 350 112 109 650 579 490 518 427 389 608 634 68 74 394 410 1.360 1.376 354 372 89 93 85 77 147 149 166 180 456 441 105 120 71 72 115 140 52 57 40 39 300 303

Sep 4.092 1.040 28.503 389 2.266 3.961 93 330 361 2.631 368 652 593 350 107 562 616 256 685 78 459 1.367 368 94 85 152 195 559 115 78 142 54 40 329

Okt

Nov

4.091 3.733 1.063 1.035 29.029 29.789 361 347 2.296 2.219 4.235 4.316 92 101 325 327 401 399 2.592 2.918 369 383 670 695 593 580 348 344 107 103 605 550 626 588 263 250 651 702 76 80 480 454 1.411 1.278 377 340 92 89 82 83 148 146 195 191 592 591 114 127 77 74 143 141 62 60 37 32 352 348

Des

Jan

3.707 3.807 919 951 26.701 28.249 290 271 1.934 1.805 3.964 4.008 86 83 300 229 300 386 2.536 2.450 368 304 585 649 528 463 327 387 89 87 504 410 300 246 228 220 532 559 63 55 355 340 1.114 1.118 299 305 81 75 61 55 112 101 164 138 527 539 140 101 58 50 112 133 38 30 27 48 195 178

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

61




Tabel 1.59 NPL Yang Penarikannya Menggunakan Kartu (NPL Withdrawn by Credit Card) Kelompok Bank (Category of Bank)

Des Des Des Des

2009

2005 2006 2007 2008 Feb

Mar

Apr

Mei

Jun

Jul

2010 Ags

Sep

Okt

Nov

Des

Jan

Feb

1. Bank Persero (State Owned Banks)

-

-

-

270

343

329

338

357

363

360

367

361

348

209

196

130

138

2. BUSN Devisa (Foreign Exchange Commercial Banks)

-

-

-

273

319

353

373

411

403

405

407

402

430

448

457

279

434

3. BUSN Non Devisa (Non-Foreign Exchange Commercial Banks)

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

4. BPD (Regional Development Banks)

-

-

-

0

0

0

0

0

0

0

0

0

0

0

0

0

0

5. Bank Campuran (Joint Venture Banks)

-

-

-

157

181

189

200

213

227

234

237

235

236

231

226

113

111

6. Bank Asing (Foreign Owned Banks)

-

-

-

2.505

2.386

1.601

1.677

1.668 1.737

1.808

1.879 1.956

2.016 2.088

3.029

1.282 1.340

7. Bank Umum (Commercial Bank)

-

-

-

3.205

3.229

2.472

2.588

2.650 2.730

2.807

2.890 2.954

3.030 2.977

3.908

1.804 2.023




Tabel 1.60 Non Performing Loan MKM Menurut Kelompok Bank (Non Performing Loan of Micro, Small & Medium and Based on Group Bank) Kelompok Bank (Category of Bank)

Des Des

2009

Des Des

2005 2006 2007 2008

Feb

Mar

Apr

Mei

Jun

Jul

2010 Ags

Sep

Okt1)

Jan2)

Nov

Des

Feb

11.401

9.784

7.508 7.969

1. Bank Persero1) (State Owned Banks))

-

-

8.178

7.812

9.766 10.537 11.001

11.774

11.406 10.904 11.207 11.519 12.040

-

-

1.130

1.195

1.358

1.487

1.597

1.666

1.690

1.788

1.810

1.854

1.919

1.974

1.661

1.985 2.123

-

-

6.942

7.440

8.148

8.406

8.796

9.017

8.737

9.021

8.942

9.140

8.937

9.027

8.467

8.764 9.026

-

-

1.331

2.356

2.205

1.904

1.912

1.890

2.198

2.169

2.154

2.279

2.367

2.392

2.809

5.441 5.630

-

-

17.581 18.803 21.477 22.334 23.305

24.347

2. Bank Pemerintah Daerah (Regional Development Banks) 3. Bank Swasta Nasional1) (Foreign Exchange Commercial Banks) 4. Bank Asing dan Campuran (Joint Venture Banks and Foreign Owned Banks) Jumlah Ket:

1) 2)

Data Revisi Oktober 2009 Data Sementara (lihat penjelasan hal. iv)

24.030 23.883 24.113 24.792 25.263

24.795 22.720 23.698 24.748

63




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

Des Des

2009

Des Des

2005 2006 2007 2008

Feb

Mar

Apr

Mei

Jun

10.537 11.001 11.774 11.406 5.547 5.707 6.048 5.877 1.958 2.067 2.308 2.293 3.032 3.227 3.417 3.236

Jul

2010 Ags

Sep

Okt1)

Nov

Des

Jan2)

Feb

11.401 5.336 2.471 3.595

9.784 4.941 2.085 2.758

7.508 2.105 2.395 3.009

7.969 2.267 2.519 3.184

1. Bank Persero (State Owned Banks)1) Mikro Kecil Menengah

-

-

-

7.812 4.137 1.490 2.185

9.766 5.189 1.798 2.779

2. BPD (Regional Development Banks) Mikro Kecil Menengah

-

-

-

1.195 494 482 219

1.358 548 573 238

1.487 612 598 278

1.597 635 635 327

1.666 636 664 366

1.690 581 715 393

1.788 622 705 460

1.810 619 746 445

1.854 625 763 467

1.919 632 775 512

1.974 621 826 528

1.661 540 697 424

1.985 618 806 561

2.123 630 856 637

3. Bank Swasta Nasional (Commercial Banks)1) Mikro Kecil Menengah

-

-

-

7.440 1.829 2.313 3.299

8.148 2.129 2.369 3.651

8.406 2.144 2.401 3.862

8.796 2.506 2.438 3.852

9.017 2.377 2.535 4.105

8.737 2.240 2.482 4.015

9.021 2.229 2.639 4.153

8.942 2.106 2.707 4.128

9.140 2.153 2.722 4.266

8.937 2.362 2.484 4.091

9.027 2.321 2.577 4.128

8.467 2.132 2.399 3.936

8.764 2.136 2.486 4.142

9.026 2.164 2.587 4.276

4. Bank Asing dan Campuran (Foreign Owned Banks and Joint Venture Banks) Mikro Kecil Menengah

-

-

-

2.356 1.567 151 638

2.205 1.404 146 655

1.904 1.084 158 661

1.912 1.117 159 636

1.890 1.052 178 660

2.198 1.327 191 680

2.169 1.251 198 721

2.154 1.289 189 677

2.279 1.346 232 701

2.367 1.424 212 731

2.392 1.448 213 731

2.809 1.888 211 711

5.441 4.430 395 617

5.630 4.617 480 533

-

-

-

18.803

21.477

22.334

23.305

24.347

24.030

23.883

24.113

24.792

25.263

24.795

22.720 23.698

24.748

Jumlah Ket:

1) 2)


10.904 11.207 11.519 12.040 5.060 5.205 5.437 5.511 2.412 2.505 2.558 2.638 3.432 3.497 3.524 3.892




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

Des

Des

Des

Des

2005 2006 2007 2008

2009 Feb

Mar

Apr

Mei

Jun

Jul

2010 Ags

Sep

Okt1)

Nov

Jan2)

Feb

Modal Kerja (Working Capital) Properti (Property) Agrobisnis (Agro-business) Lainnya (Others)

-

-

-

Investasi (Investment) Properti (Property) Agrobisnis (Agro-business) Lainnya (Others)

-

-

-

2.365 70 518 1.777

2.636 91 532 2.014

2.724 100 535 2.089

3.030 106 557 2.368

3.159 113 592 2.454

3.029 168 595 2.267

3.129 175 609 2.345

3.010 178 595 2.237

3.094 182 595 2.317

3.220 181 587 2.452

3.125 206 586 2.333

2.841 64 597 2.181

Konsumsi (Consumption) KPR dan Apartemen s.d Tipe 70 (Housing and Apartement up to Type 70) KPRdan Apartemen > Tipe 70 (Housing and Apartement > Type 70) Ruko dan Rukan (Shop houses and Shop-offices) Lainnya (Others)

-

-

-

6.046

6.623

6.586

6.909

7.104

6.801

7.049

7.210

7.374

7.464

7.312

7.212 10.135 10.564

-

-

-

1.430

1.721

1.750

1.810

1.821

1.775

1.805

1.864

1.879

1.868

1.853

1.631

2.038

2.075

-

-

-

1.052

1.197

1.245

1.287

1.336

1.332

1.407

1.466

1.525

1.547

1.450

1.301

906

964

-

-

-

161 3.403

187 3.518

204 3.386

215 3.597

233 3.715

242 3.452

253 3.585

257 3.623

242 3.728

258 3.791

224 3.786

207 4.073

112 7.079

127 7.398

-

-

-

18.803

21.477 22.334

23.305

24.347

24.030

24.792 25.263

24.795

Jumlah Ket:

1) 2)


10.393 12.218 13.024 13.366 14.083 14.199 13.705 13.892 14.325 14.579 14.358 171 205 201 215 239 264 285 275 263 276 322 271 289 324 342 344 373 362 347 362 355 310 9.951 11.724 12.499 12.809 13.501 13.562 13.057 13.271 13.700 13.947 13.726

Des

23.883 24.113

12.667 10.752 11.230 264 966 1.015 285 15 16 12.119 9.771 10.199 2.811 217 48 2.547

2.955 258 8 2.689

22.720 23.698 24.748

65




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

Des

Des

Des

2009

Des

2005 2006 2007 2008

2010

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

1.324

1.324

1.447

1.514

1.555

1.528

1.480

1.543

Okt1)

Nov

Des

1.506

1.441

Jan2)

Feb

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

-

-

-

1.134

1.542

636

604

2. Pertambangan (Mining)

-

-

-

100

81

81

103

95

94

103

115

97

108

87

93

90

82


-

-

-

3.774

4.170

4.170

4.208

4.303

4.196

3.383

3.154

3.278

3.340

3.063

2.603

2.471

2.517


-

-

-

8

3

3

6

6

6

7

14

14

17

17

18

12

15


-

-

-

888

1.039

1.039

1.101

1.177

1.195

1.304

1.318

1.341

1.393

1.445

1.183

1.111

1.157

-

-

-

6.301

6.995

6.995

7.246

7.792

7.819

8.029

8.204

8.548

8.760

8.683

7.879

5.981

6.441

-

-

-

394

391

391

437

438

402

448

448

463

441

437

414

594

560


-

-

-

1.108

1.246

1.246

1.330

1.373

1.460

1.510

1.616

1.592

1.671

1.721

1.396

886

1.025


-

-

-

270

288

288

288

306

273

286

297

305

298

312

292

574

684


-

-

-

6.736

6.798

6.798

7.140

7.344

7.029

7.285

7.467

7.613

7.693

7.523

-

-

- 20.712 22.334 22.334 23.305 24.347 24.030 23.883 24.113 24.792 25.263 24.795 22.720 23.698 24.748

6. Perdagangan, restoran dan hotel (Trade, restaurants and hotels) 7. Pengangkutan, pergudangan dan komunikasi (Transport, cargo storage and communications)

Jumlah Ket:

1) 2)


7.401 11.341 11.664




Tabel 1.64 Non Performing Loan Penerusan Kredit (Non Performing Loan Channelling Credit) Off-Balance Sheet Kelompok Bank (Bank Category)

2009


Bank Persero (State Owned Banks) Non Performing Penerusan Kredit (Non Performing Channelling Credit) 5.549 Total Penerusan Kredit (Total Channelling Credit) 29.670 Rasio Non Performing (%) (Non Performing Ratio (%)) 18,70

7.244 35.766 20,26

4.844 5.780 38.318 40.613 12,64 14,23

Mar

Apr

5.994 5.915 5.728 31.400 30.847 28.691 19,09 19,17 19,97

Mei

Jun

Jul

5.683 5.669 28.019 62.645 20,28 9,05

2010 Ags

Sep

Okt

Nov

Des

Jan

Feb

5.604 5.630 4.798 4.784 5.519 4.895 5.060 5.359 26.978 29.224 28.575 28.274 28.171 27.403 27.160 27.617 20,77 19,27 16,79 16,92 19,59 17,86 18,63 19,40

BUSN Devisa (Foreign Exchange Commercial Banks) Non Performing Penerusan Kredit (Non Performing Channelling Credit) Total Penerusan Kredit (Total Channelling Credit) Rasio Non Performing (%) (Non Performing Ratio (%))

1.295 2.822 45,89

1.628 2.869 56,73

1.742 2.883 60,42

1.850 2.854 64,81

1.852 2.855 64,86

1.932 2.854 67,69

1.931 2.852 67,71

1.930 2.846 67,84

1.935 2.851 67,86

1.937 2.858 67,77

1.934 2.861 67,62

1.938 2.868 67,57

1.942 2.870 67,67

1.941 2.873 67,55

1.945 2.879 67,55

561 758 73,98

652 852 76,55

BUSN Non Devisa (Non-Foreign Exchange Commercial Banks) Non Performing Penerusan Kredit (Non Performing Channelling Credit) Total Penerusan Kredit (Total Channelling Credit) Rasio Non Performing (%) (Non Performing Ratio (%))

15 42 34,52

12 41 30,03

12 41 29,95

11 39 28,89

6 32 20,11

20 32 63,22

20 32 63,22

21 33 63,82

20 33 60,40

19 31 61,98

20 34 58,54

21 32 64,78

19 32 58,26

4 15 28,01

4 18 23,66

4 15 28,00

4 15 28,00

BPD (Regional Development Banks) Non Performing Penerusan Kredit (Non Performing Channelling Credit) Total Penerusan Kredit (Total Channelling Credit) Rasio Non Performing (%) (Non Performing Ratio (%))

1.150 1.982 58,04

1.196 2.035 58,80

1.202 2.280 52,73

1.359 2.389 56,88

1.388 2.416 57,46

1.382 2.418 57,15

1.381 2.433 56,75

1.386 2.222 62,38

1.382 2.268 60,93

1.385 2.234 61,99

1.389 2.313 60,05

1.389 2.341 59,32

1.391 2.320 59,97

1.402 2.297 61,03

1.404 2.593 54,14

1.327 2.288 58,00

1.436 2.385 60,20

Bank Campuran (Joint Venture Banks) Non Performing Penerusan Kredit (Non Performing Channelling Credit) Total Penerusan Kredit (Total Channelling Credit) Rasio Non Performing (%) (Non Performing Ratio (%))

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Bank Asing (Foreign Owned Banks) Non Performing Penerusan Kredit (Non Performing Channelling Credit) Total Penerusan Kredit (Total Channelling Credit) Rasio Non Performing (%) (Non Performing Ratio (%))

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Bank Umum (Commercial Banks) Non Performing Penerusan Kredit (Non Performing Channelling Credit) 8.009 Total Penerusan Kredit (Total Channelling Credit) 34.517 Rasio Non Performing (%) (Non Performing Ratio (%)) 23,20

10.081 40.710 24,76

7.801 9.000 43.675 45.962 17,86 19,58

9.240 9.249 9.061 37.242 36.699 34.470 24,81 25,20 26,29

9.021 9.006 33.814 68.514 26,68 13,14

8.946 8.973 8.146 8.137 8.866 8.247 6.952 7.451 32.102 34.431 33.817 33.496 33.356 32.893 30.222 30.870 27,87 26,06 24,09 24,29 26,58 25,07 23,00 24,14

67




Tabel 1.65 Komposisi DPK Bank Umum (Composition of Third Party Funds of Commercial Banks) Desember 2005

Jenis (Type)

Desember 2006

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

Desember 2007

Desember 2008

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

Februari 2009

Desember 2009

Februari 2010

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



Giro (Demand Deposits) Rupiah Valas (Foreign Exchange)

281.412 193.854 87.558

24,95 17,19 7,76

338.011 249.564 88.447

26,26 19,39 6,87

405.551 309.335 96.216

26,84 20,47 6,37

430.000 307.743 122.257

24,53 17,55 6,97

428.854 296.132 132.721

24,21 16,72 7,49

465.222 332.198 133.024

23,85 17,03 6,82

449.323 317.702 131.621

23,26 16,45 6,81

Deposito (Time Deposits) Rupiah Valas (Foreign Exchange)

565.033 455.038 109.995

50,09 40,34 9,75

615.163 510.008 105.155

47,79 39,62 8,17

666.708 540.982 125.726

44,13 35,81 8,32

824.704 675.983 148.722

47,04 38,56 8,48

858.952 706.408 152.545

48,50 39,89 8,61

899.783 761.844 137.939

46,13 39,05 7,07

906.446 768.730 137.716

46,93 39,80 7,13

Tabungan (Savings Deposits) Rupiah Valas (Foreign Exchange)

281.492 281.268 224

24,96 24,94 0,02

333.928 333.873 55

25,94 25,94 0,00

438.574 434.480 4.095

29,03 28,76 0,27

498.587 476.717 21.870

28,44 27,19 1,25

483.292 458.728 24.564

27,29 25,90 1,39

585.707 544.411 41.295

30,03 27,91 2,12

575.869 534.814 41.055

29,81 27,69 2,13

Total DPK (Total Third Party Funds) Rupiah Valas (Foreign Exchange)

1.127.937 930.160 197.777

100 1.931.638 83,99 1.621.246 16,01 310.392

100 83,93 16,07

100 1.287.102 82,47 1.093.445 17,53 193.657

100 1.510.834 84,95 1.284.797 15,05 226.037

100 1.753.292 85,04 1.460.443 14,96 292.849

100 1.771.098 83,30 1.461.268 16,70 309.830

100 1.950.712 82,51 1.638.454 17,49 312.258




Tabel 1.66 Komposisi DPK Bank Persero (Composition of Third Party Funds of State Owned Banks) Desember 2005

Jenis (Type)


Desember 2006

Desember 2007

Desember 2008

Februari 2009

Desember 2009

Februari 2010

Komposisi Komposisi Komposisi Komposisi Komposisi Komposisi Komposisi thd Total thd Total thd Total thd Total thd Total thd Total thd Total DPK (%) DPK (%) DPK (%) DPK (%) DPK (%) DPK (%) DPK (%) Nominal (Composi- Nominal (Composi- Nominal (Composi- Nominal (Composi- Nominal (Composi- Nominal (Composi- Nominal (Composition to Total tion to Total tion to Total tion to Total tion to Total tion to Total tion to Total Third Party Third Party Third Party Third Party Third Party Third Party Third Party Funds) (%) Funds) (%) Funds) (%) Funds) (%) Funds) (%) Funds) (%) Funds) (%) 94.322 70.509 23.813

21,86 16,34 5,52

112.324 88.947 23.377

23,38 18,52 4,87

146.613 121.749 24.865

25,68 21,32 4,35

151.767 123.438 28.329

22,66 18,43 4,23

139.319 106.478 32.841

21,59 16,50 5,09

172.602 136.512 36.090

22,03 17,43 4,61

144.930 109.630 35.300

19,82 15,00 4,83


200.719 166.542 34.177

46,53 38,61 7,92

207.536 176.718 30.818

43,20 36,79 6,42

215.871 179.313 36.559

37,81 31,40 6,40

280.614 235.219 45.395

41,89 35,12 6,78

281.250 238.891 42.359

43,58 37,02 6,56

332.201 274.965 57.236

42,41 35,10 7,31

328.981 275.777 53.205

45,00 37,72 7,28


136.356 136.153 203

31,61 31,56 0,05

160.534 160.496 38

33,42 33,41 0,01

208.524 208.490 33

36,52 36,51 0,01

237.446 230.047 7.399

35,45 34,34 1,10

224.787 216.965 7.822

34,83 33,62 1,21

278.581 268.894 9.687

35,56 34,32 1,24

257.162 247.407 9.755

35,18 33,84 1,33


431.397 373.204 58.192

100 86,51 13,49

480.394 426.160 54.234

100 88,71 11,29

571.008 509.552 61.456

100 89,24 10,76

669.827 588.704 81.123

100 87,89 12,11

645.356 562.334 83.022

100 87,14 12,86

783.384 680.371 103.013

100 86,85 13,15

731.073 632.814 98.260

100 86,56 13,44

69




Tabel 1.67 Komposisi DPK BUSN Devisa (Composition of Third Party Funds of Foreign Exchange Commercial Banks) Desember 2005

Jenis (Type)

Desember 2006

Desember 2007

Desember 2008

Februari 2009

Desember 2009

Februari 2010

Komposisi Komposisi Komposisi Komposisi Komposisi Komposisi Komposisi thd Total thd Total thd Total thd Total thd Total thd Total thd Total DPK (%) DPK (%) DPK (%) DPK (%) DPK (%) DPK (%) DPK (%) Nominal (Composi- Nominal (Composi- Nominal (Composi- Nominal (Composi- Nominal (Composi- Nominal (Composi- Nominal (Composition to Total tion to Total tion to Total tion to Total tion to Total tion to Total tion to Total Third Party Third Party Third Party Third Party Third Party Third Party Third Party Funds) (%) Funds) (%) Funds) (%) Funds) (%) Funds) (%) Funds) (%) Funds) (%) 91.163 58.170 32.992

19,70 12,57 7,13

104.100 68.884 35.216

19,82 13,12 6,71

128.178 91.502 36.676

21,12 15,08 6,04

137.481 89.607 47.875

19,59 12,77 6,82

137.022 86.499 50.523

19,09 12,05 7,04

153.929 104.102 49.827

19,71 13,33 6,38

372.417 324.190 48.227

239,41 208,40 31,00


248.892 217.098 31.794

53,79 46,91 6,87

279.736 244.890 34.845

53,27 46,63 6,63

294.304 252.222 42.082

48,49 41,56 6,93

361.058 309.732 51.326

51,45 44,14 7,31

376.867 321.224 55.643

52,49 44,74 7,75

372.792 326.063 46.729

47,73 41,75 5,98

248.681 232.803 15.878

159,86 149,66 10,21


122.692 122.671 21

26,51 26,51 0,00

141.341 141.324 17

26,91 26,91 0,00

184.450 184.429 21

30,39 30,39 0,00

203.171 198.120 5.051

28,95 28,23 0,72

204.049 198.637 5.413

28,42 27,67 0,75

254.350 238.632 15.718

32,56 30,55 2,01

115.985 113.407 2.578

74,56 72,90 1,66


462.747 397.939 64.808

100 85,99 14,01

525.177 455.098 70.079

100 86,66 13,34

606.932 528.154 78.778

100 87,02 12,98

701.710 597.459 104.251

100 85,14 14,86

717.938 606.359 111.578

100 84,46 15,54

781.072 668.798 112.274

100 85,63 14,37

155.559 106.257 49.302

100 68,31 31,69





Tabel 1.68 Komposisi DPK BUSN Non Devisa (Composition of Third Party Funds of Non-Foreign Exchange Commercial Banks) Desember 2005

Jenis (Type)

Giro (Demand Deposits) Rupiah Valas (Foreign Exchange) Deposito (Time Deposits) Rupiah Valas (Foreign Exchange) Tabungan (Savings Deposits) Rupiah Valas (Foreign Exchange) Total DPK (Total Third Party Funds) Rupiah Valas (Foreign Exchange)

Desember 2006

Desember 2007

Desember 2008

Februari 2009

Desember 2009

Februari 2010

Komposisi Komposisi Komposisi Komposisi Komposisi Komposisi Komposisi thd Total thd Total thd Total thd Total thd Total thd Total thd Total DPK (%) DPK (%) DPK (%) DPK (%) DPK (%) DPK (%) DPK (%) Nominal (Composi- Nominal (Composi- Nominal (Composi- Nominal (Composi- Nominal (Composi- Nominal (Composi- Nominal (Composition to Total tion to Total tion to Total tion to Total tion to Total tion to Total tion to Total Third Party Third Party Third Party Third Party Third Party Third Party Third Party Funds) (%) Funds) (%) Funds) (%) Funds) (%) Funds) (%) Funds) (%) Funds) (%) 1.798 1.798 -

8,19 8,19 -

1.811 1.811 -

7,41 7,41 -

2.195 2.195 -

7,20 7,20 -

1.779 1.779 0

5,36 5,36 0

1.883 1.883 0

5,31 5,31 0

2.184 2.183 0

4,96 4,96 0

1.934 1.934 -

4,49 4,49 -

18.052 18.052 -

82,17 82,17 -

20.234 20.234 -

82,85 82,85 -

25.103 25.103 -

82,33 82,33 -

28.059 28.059 -

84,48 84,48 -

29.958 29.958 -

84,50 84,50 -

37.635 37.635 0

85,57 85,57 0

37.007 37.007 -

85,96 85,96 -

2.120 2.120 -

9,65 9,65 -

2.379 2.379 -

9,74 9,74 -

3.194 3.194 -

10,48 10,48 -

3.375 3.375 -

10,16 10,16 -

3.613 3.613 -

10,19 10,19 -

4.161 4.161 -

9,46 9,46 -

4.109 4.109 -

9,54 9,54 -

21.970 21.970 -

100 100 -

24.423 24.423 -

100 100 -

30.491 30.491 -

100 100 -

33.213 33.213 0

100 100 0

35.454 35.454 0

100 100 0

43.980 43.979 0

100 100 0

43.049 43.049 -

100 100 -

71




Tabel 1.69 Komposisi DPK BPD (Composition of Third Party Funds of Regional Development Banks) Desember 2005

Jenis (Type)

Desember 2006

Desember 2007

Desember 2008

Februari 2009

Desember 2009

Februari 2010

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


50.674 50.631 43

59,42 59,37 0,05

74.723 74.692 31

57,86 57,84 0,02

69.289 69.123 167

51,60 51,47 0,12

70.746 70.653 93

49,38 49,32 0,07

81.408 81.337 71

52,52 52,47 0,05

63.848 63.553 294

41,94 41,74 0,19

73.005 72.769 236

44,37 44,23 0,14


17.502 17.475 27

20,52 20,49 0,03

29.409 29.365 44

22,77 22,74 0,03

31.792 31.750 42

23,67 23,64 0,03

35.015 34.877 138

24,44 24,34 0,10

42.135 41.984 150

27,18 27,08 0,10

44.673 44.148 525

29,34 29,00 0,34

53.949 53.486 463

32,79 32,51 0,28


17.107 17.107 -

20,06 20,06 -

25.008 25.008 -

19,37 19,37 -

33.205 33.205 -

24,73 24,73 -

37.498 37.497 1

26,17 26,17 0

31.472 31.470 1

20,30 20,30 0

43.728 43.724 4

28,72 28,72 0

37.576 37.571 5

22,84 22,83 0


85.283 85.213 70

100 99,92 0,08

129.141 129.065 75

100 99,94 0,06

134.287 134.077 209

100 99,84 0,16

143.262 143.027 235

100 99,84 0,16

155.017 154.792 226

100 99,85 0,15

152.251 151.425 826

100 99,46 0,54

164.539 163.826 713

100 99,57 0,43




Tabel 1.70 Komposisi DPK Bank Campuran (Composition of Third Party Funds of Joint Venture Banks) Desember 2005

Jenis (Type)

Desember 2006

Desember 2007

Desember 2008

Februari 2009

Desember 2009

Februari 2010



11.544 3.251 8.294

33,48 9,43 24,05

10.125 2.715 7.410

28,18 7,56 20,62

13.267 4.112 9.155

24,15 7,48 16,67

18.872 4.976 13.896

24,54 6,47 18,07

17.241 4.773 12.468

21,18 5,86 15,31

21.472 7.136 14.336

22,66 7,53 15,13

20.525 7.119 13.406

22,18 7,69 14,49


22.563 11.784 10.779

65,43 34,17 31,26

24.577 12.173 12.405

68,41 33,88 34,53

40.196 21.197 18.999

73,17 38,59 34,59

55.007 29.691 25.315

71,53 38,61 32,92

59.955 31.710 28.245

73,64 38,95 34,69

65.871 43.203 22.668

69,51 45,59 23,92

63.431 42.381 21.050

68,55 45,80 22,75

376 376 -

1,09 1,09 0,00

1.224 1.224 -

3,41 3,41 -

1.471 1.471 -

2,68 2,68 -

3.023 3.023 0

3,93 3,93 0

4.223 3.139 1.084

5,19 3,86 1

7.418 3.983 3.436

7,83 4,20 4

8.576 4.374 4.202

9,27 4,73 5

34.484 15.411 19.073

100 44,69 55,31

35.927 16.112 19.815

100 44,85 55,15

54.934 26.779 28.154

100 48,75 51,25

76.902 37.691 39.211

100 49,01 50,99

81.419 39.623 41.797

100 48,66 51,34

94.761 54.321 40.440

100 57,32 42,68

92.532 53.874 38.658

100 58,22 41,78

Tabungan (Savings Deposits) Rupiah Valas (Foreign Exchange) Total DPK (Total Third Party Funds) Rupiah Valas (Foreign Exchange)

73




Tabel 1.71 Komposisi DPK Bank Asing (Composition of Third Party Funds of Foreign Owned Banks) Desember 2005

Jenis (Type)

Desember 2006

Desember 2007

Desember 2008

Februari 2009

Desember 2009

Februari 2010



31.911 9.495 22.416

34,66 10,31 24,35

34.927 12.515 22.412

37,95 13,60 24,35

46.009 20.655 25.353

40,65 18,25 22,40

49.354 17.290 32.064

38,44 13,47 24,98

51.980 15.163 36.818

38,25 11,16 27,09

51.854 19.242 32.612

44,10 16,36 27,73

52.619 19.315 33.303

43,90 16,11 27,78


57.305 24.087 33.218

62,25 26,17 36,08

53.671 26.629 27.042

58,31 28,93 29,38

59.443 31.398 28.045

52,52 27,74 24,78

64.952 38.405 26.547

50,59 29,92 20,68

68.788 42.640 26.148

50,61 31,37 19,24

48.537 32.267 16.270

41,28 27,44 13,84

49.170 34.498 14.673

41,02 28,78 12,24


2.841 2.841 -

3,09 3,09 0,00

3.442 3.442 -

3,74 3,74 -

7.730 3.690 4.040

6,83 3,26 4

14.071 4.654 9.417

10,96 3,63 7

15.146 4.904 10.242

11,14 3,61 8

17.203 6.222 10.982

14,63 5,29 9

18.076 7.012 11.065

15,08 5,85 9


92.057 36.423 55.634

100 39,57 60,43

92.040 42.586 49.455

100 46,27 53,73

113.182 55.743 57.438

100 49,25 50,75

128.377 60.349 68.028

100 47,01 52,99

135.914 62.706 73.208

100 46,14 53,86

117.594 57.731 59.864

100 49,09 50,91

119.865 60.825 59.041

100 50,74 49,26




Tabel 1.72 Peringkat Bank Berdasarkan Dana Pihak Ketiga (Bank Rating Based on Third Party Funds) Desember 2005

Peringkat (Rating)


Desember 2006

Pangsa Thd Total DPK Total DPK Bank Umum (Total (%) (Portion Third to Total Third Party Party Funds Funds) at Commercial Banks (%)


Total DPK (Total Third Party Funds)

Desember 2007

Pangsa Thd Total DPK Bank Umum (%) (Portion to Total Third Party Funds at Commercial Banks (%)



Februari 2009

Desember 2008







Desember 2009 Pangsa Thd Total DPK Bank Umum (%) (Portion to Total Third Party Funds at Commercial Banks (%)



Februari 2010





1

PT Bank Mandiri

198.893

17,63

PT Bank Mandiri

197.438

15,34 PT Bank Mandiri

235.802

15,61 PT Bank Mandiri

273.566

15,60

PT Bank Mandiri

259.933


299.722


287.258

14,87

2


129.556

11,49


152.737


189.178


209.535

11,95


208.818


254.790


243.623

12,61

3


116.021

10,29


135.912

10,56 PT Bank Rakyat Indonesia

164.997


201.093

11,47


193.493


244.666


231.606

11,99

4


96.924

8,59


124.674


145.567


162.775

9,28


158.418


188.656


176.815

9,15

5


44.417

3,94


54.378


58.047


74.492

4,25


76.911


86.258

4,42

86.355

4,47

6


36.739

3,26

PT Bank Niaga Tbk

39.148


45.108

2,99 PT Bank CIMB Niaga Tbk

51.560

2,94

PT Bank CIMB Niaga Tbk

51.480


67.782


65.595

3,40

7

PT Bank Niaga Tbk

34.389

3,05


37.033


37.006


46.254

2,64


49.213


56.307


57.481

2,98

8

PT Bank Permata Tbk

28.302

2,51

PT Bank Permata Tbk

28.660

2,23 Citibank N.A

31.828


43.712

2,49

PT Bank Permata Tbk

45.482


47.515


46.845

2,43

9


27.290

2,42

Citibank N.A

27.062


31.364


42.803

2,44


43.076


45.751

2,35 PT BII Tbk

45.186

2,34

10

Citibank N.A

25.978

2,30

PT Lippo Bank Tbk

26.693

2,07 PT Lippo Bank Tbk

30.366

2,01 Citibank N.A

34.289

1,96

Citibank N.A

36.492

2,06 PT Bank Tabungan Negara (Persero)

40.216


35.394

1,83

Total

738.509

65,47

Total

823.735

64,00 Total

969.264

64,15 Total

1.140.078

65,03

Total

1.276.158

66,07

1.123.316

63,42 Total

1.331.664

PT Bank CIMB Niaga, Tbk

68,27 Total

75




Tabel 1.73 Komposisi DPK Berdasarkan Lokasi ( Februari 2010 ) (Composition of Third Party Funds Based on Location) Giro (Demand Deposits) Lokasi (Location) Rupiah

Valas (Foreign Exchange)

Tabungan (Savings Deposits) Rupiah


Deposito (Time Deposits) Rupiah


Total DPK (Total Third Party Funds) Rupiah


Total

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

Jawa Barat (West Java) Banten DKI Jakarta (Special Capital Province of Jakarta) D.I Yogyakarta (Special Province of Yogyakarta) Jawa Tengah (Central Java) Jawa Timur (East Java) Bengkulu Jambi Nanggroe Aceh Darussalam Sumatera Utara (North Sumatra) Sumatera Barat (West Sumatra) Riau Sumatera Selatan (South Sumatra) Kepulauan Riau Bangka Belitung Lampung Kalimantan Selatan (South Kalimantan) Kalimantan Barat (West Kalimantan) Kalimantan Timur (East Kalimantan) Kalimantan Tengah (Central Kalimantan) Sulawesi Tengah (Central Sulawesi) Sulawesi Selatan (South Sulawesi) Sulawesi Utara (North Sulawesi) Sulawesi Barat (West Sulawesi) Gorontalo Sulawesi Tenggara (Southeast Sulawesi) Nusa Tenggara Barat (West Nusa Tenggara) Bali Nusa Tenggara Timur (East Nusa Tenggara) Maluku Papua Maluku Utara (North Maluku) Irian Jaya Barat Lainnya (Others)

22.772 6.258 158.502 2.802 12.084 27.080 1.120 2.134 3.792 12.780 4.619 5.993 4.305 3.546 1.449 2.810 4.136 3.079 8.957 2.413 1.376 4.625 1.699 387 368 1.048 1.497 4.970 2.583 1.180 5.080 633 1.466 0

4.815 1.657 97.074 347 2.452 6.748 20 239 154 3.651 358 1.213 1.083 3.012 172 473 684 481 2.335 40 45 875 268 1 2 79 76 1.703 21 25 282 10 31 1.020

57.183 13.206 144.642 9.318 40.352 67.665 2.115 5.434 7.660 33.885 7.746 14.113 12.427 5.698 3.766 6.700 8.916 9.403 16.818 3.990 3.341 16.215 4.306 997 1.018 3.066 3.762 13.483 4.496 2.346 6.800 1.387 2.324 1

2.928 505 22.754 251 1.441 4.938 20 128 60 2.020 92 321 330 736 64 162 344 248 1.093 25 52 390 190 0 8 27 46 1.140 58 33 79 5 21 546

56.834 14.344 438.972 6.611 32.108 75.938 794 2.737 5.045 37.589 4.694 7.983 14.587 3.231 1.929 4.053 3.728 5.525 12.313 1.601 1.478 9.902 3.444 87 546 1.033 1.737 10.395 2.097 1.518 3.634 596 1.071 1

7.426 2.086 105.839 492 2.133 7.995 9 114 65 4.022 134 421 481 473 258 314 300 123 1.055 22 20 531 188 1 16 11 26 764 50 33 335 8 51 1.875

136.789 33.808 742.116 18.730 84.544 170.683 4.030 10.306 16.497 84.254 17.059 28.089 31.319 12.476 7.143 13.562 16.780 18.007 38.088 8.003 6.196 30.741 9.449 1.472 1.931 5.147 6.996 28.847 9.176 5.044 15.513 2.616 4.861 2

15.168 4.248 225.667 1.090 6.027 19.681 49 481 279 9.692 584 1.956 1.894 4.221 495 948 1.329 852 4.483 87 117 1.796 646 2 26 117 148 3.607 129 90 696 22 102 3.441

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

7,87 1,97 50,13 1,03 4,69 9,86 0,21 0,56 0,87 4,87 0,91 1,56 1,72 0,86 0,40 0,75 0,94 0,98 2,21 0,42 0,33 1,69 0,52 0,08 0,10 0,27 0,37 1,68 0,48 0,27 0,84 0,14 0,26 0,18

Total

317.540

131.446

534.578

41.055

768.155

137.671

1.620.274

310.171

1.930.446

100




Tabel 1.74 Penghimpunan DPK Berdasarkan Lokasi Penghimpunan (Deposits of Third Party Funds Based on Location of Deposits) Lokasi (Location) Jawa Barat (West Java) Banten DKI Jakarta (Special Capital Province of Jakarta) D.I Yogyakarta (Special Province of Yogyakarta) Jawa Tengah (Central Java) Jawa Timur (East Java) Bengkulu Jambi Nanggroe Aceh Darussalam Sumatera Utara (North Sumatra) Sumatera Barat (West Sumatra) Riau Sumatera Selatan (South Sumatra) Kepulauan Riau 1 Bangka Belitung Lampung Kalimantan Selatan (South Kalimantan) Kalimantan Barat (West Kalimantan) Kalimantan Timur (East Kalimantan) Kalimantan Tengah (Central Kalimantan) Sulawesi Tengah (Central Sulawesi) Sulawesi Selatan (South Sulawesi) Sulawesi Utara (North Sulawesi) Sulawesi Barat (West Sulawesi) 1 Gorontalo Sulawesi Tenggara (Southeast Sulawesi) Nusa Tenggara Barat (West Nusa Tenggara) Bali Nusa Tenggara Timur (East Nusa Tenggara) Maluku Papua Maluku Utara (North Maluku) Irian Jaya Barat 1 Lainnya (Others)

Des Des

2009

Des

2005 2006 2007 2008 Feb 87.899 21.706 586.432 11.453 52.950 111.909 2.066 5.707 13.511 51.589 9.109 28.558 17.848 3.497 7.419 8.122 10.291 23.281 4.109 3.313 17.239 4.862 1.011 2.202 3.770 17.186 4.910 3.248 8.857 1.025 2.860

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

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

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

137.019 33.050 881.885 17.201 82.294 176.088 4.106 10.044 18.104 86.979 15.693 31.316 29.644 16.211 7.011 19.639 16.292 17.329 40.221 7.349 5.526 28.699 8.647 1.183 1.866 4.828 6.469 29.352 8.019 4.735 13.891 2.688 4.634 3.084

2010

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

141.274 33.303 880.839 17.502 84.453 177.520 4.192 10.281 18.018 88.454 16.228 31.710 30.374 16.611 7.477 17.684 17.154 18.125 41.393 7.621 5.705 29.389 8.992 1.302 1.923 4.861 6.613 29.365 8.269 4.799 14.331 2.828 4.568 3.000

138.885 34.108 872.078 17.654 84.765 178.460 4.249 10.484 18.746 88.095 16.479 32.154 29.763 16.325 7.783 17.684 17.060 17.807 43.236 7.823 5.842 29.294 9.287 1.310 1.974 5.033 6.759 29.408 8.626 4.872 14.876 2.751 4.747 2.501

139.721 31.132 879.948 17.625 84.764 180.061 4.257 10.388 18.335 87.643 16.273 31.521 29.604 16.027 7.721 17.718 16.774 18.240 40.389 7.845 5.927 29.580 9.279 1.365 1.924 4.863 6.745 29.408 8.742 4.891 14.810 2.732 4.712 2.678

145.462 34.457 899.351 18.039 86.479 181.896 4.203 10.564 18.379 89.166 16.297 33.072 30.102 16.504 7.626 13.786 17.194 18.412 42.379 8.115 6.091 30.152 9.529 1.449 1.947 5.093 6.809 30.254 8.824 4.878 16.453 2.896 4.680 3.271

142.748 33.531 893.947 18.285 85.817 182.692 4.093 10.292 17.441 88.843 16.195 32.158 28.950 16.279 7.377 13.378 16.838 18.405 41.216 8.114 5.854 29.672 9.446 1.455 1.890 4.953 6.579 30.321 8.775 4.925 15.807 2.686 4.453 3.205

145.732 33.383 923.963 18.849 85.874 183.183 4.123 10.384 18.515 90.211 16.171 32.131 29.424 16.655 7.375 13.749 16.860 18.907 41.188 8.072 5.836 29.724 9.504 1.407 1.877 5.037 6.801 31.145 8.911 4.971 15.761 2.664 4.741 3.909

148.445 34.990 921.395 19.132 87.621 186.079 4.053 10.231 18.480 89.906 16.056 31.642 29.874 16.891 7.592 13.977 17.216 18.789 42.954 7.951 5.960 30.771 9.806 1.444 1.952 5.010 7.005 31.364 8.940 5.044 16.179 2.640 4.791 3.072

149.443 34.790 920.423 19.262 88.278 187.554 4.071 10.274 18.075 91.392 16.594 31.485 30.027 16.967 7.606 14.157 17.260 19.068 42.576 8.150 6.025 30.853 9.886 1.477 1.964 5.142 7.078 31.622 9.092 5.148 17.006 2.727 5.459 3.152

149.457 35.912 948.887 19.362 88.803 189.786 4.081 10.452 18.834 91.781 16.853 30.548 30.881 16.661 7.558 14.309 17.312 18.660 41.879 8.020 6.063 31.535 9.836 1.463 1.929 5.079 7.163 31.863 9.194 5.089 16.667 2.709 5.106 3.223

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

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

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

1.127.937 1.287.102 1.510.834 1.753.292 1.771.098 1.786.157 1.780.918 1.783.644 1.823.811 1.806.621 1.847.038 1.857.251 1.864.084 1.896.952 1.973.042 1.948.890 1.930.446

Total Ket:

Des

1

Data tersedia mulai Januari 2007

77



Persen (%)

Tabel 1.75 Suku Bunga Rata-rata DPK Bank Umum (Average of Interest Rate of Third Party Funds of Commercial Banks) Kelompok Bank (Category of Bank)

Des Des Des Des

2009

2005 2006 2007 2008 Feb Giro (Demand Deposits) Rupiah Valas (Foreign Exchange) Deposito (Time Deposits) Deposito 1 Bulan Rupiah Valas (Foreign Exchange) Deposito 3 Bulan Rupiah Valas (Foreign Exchange) Deposito 6 Bulan Rupiah Valas (Foreign Exchange) Deposito 12 Bulan Rupiah Valas (Foreign Exchange) Tabungan (Savings Deposits) Rupiah Valas (Foreign Exchange) Ket. Data tersedia mulai Januari 2008

Mar Apr

Mei

Jun

Jul

2010 Ags

Sep Okt

Nov

Des

Jan

Feb

-

-

-

2,90 1,05

2,98 0,90

2,95 0,78

2,80 0,75

2,85 0,68

2,76 0,66

2,77 0,65

2,62 0,62

2,59 0,63

2,59 0,53

2,46 0,48

2,39 0,41

1,76 0,29

1,80 0,28

-

-

- 10,71 - 3,40

9,81 2,89

9,25 2,68

8,97 2,52

8,61 2,44

8,31 2,33

8,11 2,29

7,69 2,08

7,27 1,99

7,24 2,02

7,01 1,87

6,77 1,74

5,62 1,19

5,68 1,21

-

-

- 11,17 11,12 - 4,18 3,49

10,67 3,18

10,11 3,11

9,68 2,79

9,24 2,79

8,92 2,58

8,68 2,48

8,30 2,21

7,94 2,29

7,64 2,21

7,45 2,14

6,87 2,15

6,67 1,60

-

-

- 10,32 10,43 - 3,94 4,01

10,41 3,88

10,25 3,66

9,99 3,48

9,70 2,87

9,40 2,56

9,05 2,45

8,65 2,16

8,42 2,34

8,16 2,28

7,89 2,32

6,99 2,17

6,84 2,18

-

-

- 10,34 10,87 - 3,08 2,79

11,14 2,62

11,16 2,62

10,68 10,46 10,24 2,25 2,87 2,72

9,54 2,72

7,33 1,83

7,12 1,27

-

-

-

3,01 1,21

2,97 1,20

2,79 0,50

2,27 0,34

2,30 0,34

3,11 1,21

3,07 0,91

11,20 11,25 2,57 2,54

2,93 1,20

2,92 1,23

11,19 11,07 2,24 2,39

2,90 1,15

2,84 0,93

2,82 0,96

2,81 0,74

2,80 0,61



Persen (%)

Tabel 1.76 Suku Bunga Rata-rata DPK Bank Persero (Average of Interest Rate of Third Party Funds of State Owned Banks) Kelompok Bank (Category of Bank)

Des Des Des Des

2009

2005 2006 2007 2008 Feb Giro (Demand Deposits) Rupiah Valas (Foreign Exchange) Deposito (Time Deposits) Deposito 1 Bulan Rupiah Valas (Foreign Exchange) Deposito 3 Bulan Rupiah Valas (Foreign Exchange) Deposito 6 Bulan Rupiah Valas (Foreign Exchange) Deposito 12 Bulan Rupiah Valas (Foreign Exchange) Tabungan (Savings Deposits) Rupiah Valas (Foreign Exchange)

Mar Apr

Mei

Jun

Jul

2010 Ags

Sep Okt

Nov

Des

Jan

Feb

-

-

-

3,23 1,24

3,36 0,95

3,14 0,94

2,82 0,93

2,97 0,92

2,97 0,93

3,00 0,93

2,80 0,88

2,73 0,91

2,81 0,78

2,77 0,72

2,52 0,42

1,02 0,06

0,93 0,05

-

-

- 10,07 - 3,99

9,13 3,40

8,89 3,27

8,76 3,07

8,51 3,14

8,22 3,10

8,20 3,19

7,66 2,80

7,07 2,78

7,06 2,84

6,75 2,52

6,49 2,44

3,94 1,43

3,41 1,67

-

-

- 10,44 10,27 - 5,28 4,25

9,95 4,27

9,75 4,16

9,61 3,75

9,38 3,99

9,13 3,85

8,93 3,57

8,47 3,45

7,94 3,32

7,56 3,36

7,34 3,20

7,05 3,19

6,67 2,28

-

-

- 10,59 10,73 - 3,99 4,64

10,52 4,41

10,40 4,36

10,17 4,26

9,91 3,66

9,65 3,50

9,33 3,33

8,88 3,18

8,64 3,15

8,35 3,06

7,70 2,95

6,93 2,76

6,76 2,74

-

-

- 11,32 11,59 - 3,59 3,45

11,67 3,42

11,67 3,37

11,65 11,60 3,37 3,41

10,88 10,73 10,60 3,33 3,09 2,83

9,35 2,74

7,19 2,00

6,99 1,21

-

-

-

2,67 1,86

2,65 1,86

2,62 0,53

1,77 0,19

1,77 0,19

2,79 2,80

2,74 1,85

2,66 1,86

2,66 1,86

11,56 11,46 3,24 3,38

2,66 1,86

2,56 1,86

2,57 1,87

2,56 0,99

2,57 1,00

79



Persen (%)

Tabel 1.77 Suku Bunga Rata-rata DPK BUSN Devisa (Average of Interest Rate of Third Party Funds of Foreign Exchange Commercial Banks) Kelompok Bank (Category of Bank)

Des Des Des Des

2009

2005 2006 2007 2008 Feb Giro (Demand Deposits) Rupiah Valas (Foreign Exchange) Deposito (Time Deposits) Deposito 1 Bulan Rupiah Valas (Foreign Exchange) Deposito 3 Bulan Rupiah Valas (Foreign Exchange) Deposito 6 Bulan Rupiah Valas (Foreign Exchange) Deposito 12 Bulan Rupiah Valas (Foreign Exchange) Tabungan (Savings Deposits) Rupiah Valas (Foreign Exchange) Ket. Data Revisi bulan Des 2008, Jan, Feb, Mar 2009

2,61 1,80

Mar Apr

Mei

Jun

Jul

2010 Ags

Sep Okt

Nov

Des

Jan

Feb

-

-

-

2,52 1,63

2,54 1,37

2,48 1,23

2,54 1,07

2,48 1,02

2,41 0,97

2,21 0,87

2,24 0,85

2,17 0,75

1,98 0,65

2,09 0,68

1,91 0,63

1,93 0,62

-

-

- 11,20 10,40 - 4,18 3,58

9,61 3,25

9,22 3,07

8,77 2,74

8,40 2,48

8,10 2,30

7,75 2,15

7,42 2,03

7,38 1,94

7,12 1,80

6,85 1,71

6,00 1,47

6,13 1,46

-

-

- 11,55 11,53 - 4,82 4,75

10,96 4,08

10,22 3,80

9,61 3,46

9,02 3,03

8,76 2,69

8,41 2,48

8,08 2,25

7,81 2,12

7,52 1,95

7,31 1,85

6,57 1,43

6,36 1,31

-

-

-

9,86 4,26

9,81 4,77

9,96 4,74

9,86 4,65

9,63 4,52

9,34 3,96

9,02 3,33

8,69 3,05

8,30 2,69

8,08 2,41

7,73 2,16

7,68 2,06

6,39 1,61

6,30 1,33

-

-

-

9,56 10,03 3,10 3,28

10,26 3,16

10,23 3,27

10,21 10,02 2,87 2,99

9,85 2,85

9,63 2,86

9,31 2,78

9,09 3,04

6,58 1,56

6,32 1,52

-

-

-

3,32 0,82

3,28 1,75

3,21 1,71

3,01 1,10

3,00 1,08

2,97 0,79

2,88 0,79

2,61 0,62

2,73 0,63

3,30 0,82

10,31 10,26 3,24 3,19

3,14 1,71

3,12 1,72

3,10 1,58

3,04 1,09



Persen (%)

Tabel 1.78 Suku Bunga Rata-rata DPK BUSN Non Devisa (Average of Interest Rate of Third Party Funds of Non-Foreign Exchange Commercial Banks) Kelompok Bank (Category of Bank)

Des Des Des Des

2009

2005 2006 2007 2008 Feb Giro (Demand Deposits) Rupiah Valas (Foreign Exchange) Deposito (Time Deposits) Deposito 1 Bulan Rupiah Valas (Foreign Exchange) Deposito 3 Bulan Rupiah Valas (Foreign Exchange) Deposito 6 Bulan Rupiah Valas (Foreign Exchange) Deposito 12 Bulan Rupiah Valas (Foreign Exchange) Tabungan (Savings Deposits) Rupiah Valas (Foreign Exchange) Ket. Data Revisi bulan Des 2008, Jan, Feb, Mar 2009

4,68 -

Mar Apr

Mei

Jun

Jul

2010 Ags

Sep Okt

Nov

Des

Jan

Feb

-

-

-

4,52 -

4,37 -

3,99 -

4,38 -

3,90 -

3,70 -

3,81 2,59

3,69 -

3,93 -

3,70 -

3,59 0,94

3,64 -

3,47 -

-

-

- 11,64 11,05 -

10,53 -

10,09 -

9,84 -

9,77 -

9,50 -

8,91 2,77

8,65 -

8,60 -

8,55 -

8,65 -

6,81 -

7,48 -

-

-

- 11,77 12,16 -

12,02 -

11,30 -

10,90 10,72 -

10,43 10,06 -

9,52 -

9,20 -

9,05 -

9,00 -

8,31 -

8,62 -

-

-

- 11,35 12,18 -

12,55 -

12,18 -

11,68 11,39 -

10,65 10,28 -

10,01 -

9,64 -

9,56 -

9,44 2,00

9,03 -

9,01 -

-

-

- 11,52 11,90 -

12,03 -

12,08 -

12,18 12,16 -

12,01 11,76 -

11,18 10,91 10,81 10,49 -

9,44 -

9,25 -

-

-

-

4,42 -

3,81 -

3,17 -

3,06 -

4,28 -

4,21 -

3,80 -

3,59 -

3,45 -

3,58 -

3,42 -

3,33 -

3,35 -

3,33 -

81



Persen (%)

Tabel 1.79 Suku Bunga Rata-rata DPK Bank Pembangunan Daerah (Average of Interest Rate of Third Party Funds of Regional Development Banks) Kelompok Bank (Category of Bank)

Des Des Des Des

2009


Mar Apr

Mei

Jun

Jul

2010 Ags

Sep Okt

Nov

Des

Jan

Feb

-

-

-

3,16 1,33

3,45 1,66

3,51 1,61

3,41 1,33

3,34 1,28

3,22 1,25

3,31 1,30

3,28 1,10

3,24 0,70

3,21 0,70

3,11 0,76

3,02 0,79

3,13 0,76

3,13 0,74

-

-

- 10,07 - 4,03

9,37 3,26

8,84 3,07

8,94 3,93

8,69 3,36

8,83 4,02

8,56 4,39

8,45 3,22

7,81 3,24

7,75 3,19

7,73 3,34

7,69 3,22

7,26 3,04

7,16 2,90

-

-

-

9,41 10,03 3,27 5,76

9,72 5,78

9,05 5,49

8,79 4,94

8,66 4,85

8,72 3,49

8,71 4,23

8,58 4,20

8,33 4,18

8,28 3,94

8,28 3,96

8,07 3,88

8,08 3,30

-

-

- 10,18 11,14 - 4,47 2,99

10,94 3,01

10,85 4,72

10,70 10,22 4,64 4,63

9,70 4,61

9,52 4,61

9,26 4,60

8,74 4,15

9,14 4,25

9,16 4,18

8,92 3,79

8,67 3,72

-

-

-

8,74 10,55 3,25 3,27

11,66 3,31

11,76 3,31

11,81 12,60 3,37 3,37

12,19 12,00 11,69 4,21 4,49 4,48

11,33 4,48

9,83 3,30

9,35 3,11

-

-

-

3,62 1,88

3,52 2,08

3,44 2,03

3,37 2,11

3,15 1,36

2,84 1,56

3,58 2,06

3,41 1,69

3,38 1,56

12,57 12,46 3,20 3,18

3,32 2,15

3,38 1,87

3,32 1,88

3,34 1,94

3,33 2,00



Persen (%)

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

Des Des Des Des

2009


1,46 0,33

Mar Apr

Mei

Jun

Jul

2010 Ags

Sep Okt

Nov

Des

Jan

Feb

-

-

-

1,44 0,24

2,38 0,27

2,16 0,29

2,04 0,27

2,02 0,25

1,91 0,27

1,92 0,27

1,94 0,28

2,03 0,26

2,35 0,25

2,62 0,20

1,91 0,20

1,63 0,26

-

-

- 11,06 10,10 - 2,91 2,68

9,57 2,36

8,89 2,03

8,48 2,09

7,99 2,03

7,50 1,85

6,88 1,67

6,70 1,53

6,85 1,49

6,67 1,30

6,44 1,01

6,57 0,92

6,54 0,92

-

-

- 12,63 12,02 - 3,93 2,82

11,59 2,84

11,11 2,75

10,59 2,10

9,64 2,17

8,58 2,05

8,52 2,05

8,09 1,72

7,52 2,16

7,35 1,73

7,06 1,55

7,24 1,29

6,95 1,23

-

-

- 11,14 11,25 - 4,07 2,56

11,38 2,42

11,19 1,92

10,86 1,53

9,57 1,35

9,69 1,24

8,53 1,26

8,29 1,10

8,00 1,79

7,78 1,47

7,78 1,40

7,62 1,19

7,51 1,16

-

-

- 10,76 11,13 - 2,49 1,54

11,01 1,29

11,36 1,26

11,36 11,12 1,21 1,20

10,88 10,91 0,83 0,57

10,69 0,49

8,39 2,31

9,31 1,70

8,97 1,83

7,42 1,65

7,78 1,79

-

-

-

4,12 0,92

3,82 0,83

3,25 0,53

3,08 0,58

2,91 0,43

2,83 0,41

3,24 0,39

3,16 0,38

5,04 0,75

5,42 1,17

3,81 0,79

3,66 0,82

3,66 0,75

3,48 0,46

83



Persen (%)

Tabel 1.81 Suku Bunga Rata-rata DPK Bank Asing (Average of Interest Rate of Third Party Funds of Foreign Owned Banks) Kelompok Bank (Category of Bank)

Des Des Des Des

2009


Mar Apr

Mei

Jun

Jul

2010 Ags

Sep Okt

Nov

Des

Jan

Feb

-

-

-

1,16 0,10

0,61 0,08

1,01 0,07

0,83 0,07

1,04 0,07

0,85 0,08

0,90 0,07

0,95 0,06

1,00 0,08

0,97 0,07

0,85 0,07

0,86 0,09

0,62 0,05

0,93 0,04

-

-

- 10,03 - 1,23

8,21 0,71

7,61 0,59

7,17 0,54

6,80 0,44

6,53 0,51

6,31 0,30

6,08 0,29

6,01 0,27

5,91 0,29

5,88 0,29

5,85 0,28

4,68 0,19

4,51 0,19

-

-

- 11,65 11,15 - 2,39 1,58

10,21 1,34

9,26 1,43

8,57 1,54

8,29 1,43

8,03 1,27

7,87 0,96

7,44 0,73

7,06 0,63

6,75 0,65

6,57 0,66

5,10 0,49

5,07 0,45

-

-

- 10,64 10,90 - 2,63 2,30

10,82 1,84

10,29 1,44

9,65 1,21

9,37 1,01

9,03 0,97

8,34 0,92

7,86 0,81

7,67 0,85

7,45 0,83

7,18 0,77

5,85 0,53

5,73 0,53

-

-

-

9,87 3,45

9,91 2,94

10,27 2,91

10,53 2,88

10,16 10,05 2,60 2,50

9,81 2,46

9,67 2,42

8,13 0,76

8,01 1,04

-

-

-

3,98 0,17

2,21 0,22

2,57 0,06

2,75 0,08

2,61 0,08

2,67 0,08

2,48 0,04

2,52 0,04

10,48 10,58 2,86 2,77

2,66 0,08

2,47 0,09

10,47 10,40 2,71 2,73

2,41 0,09

2,72 0,08

2,48 0,07

2,57 0,07




Tabel 1.82 Peringkat Bank Berdasarkan Kredit (Bank Rating Based on Credit) Desember 2005

Total Peringkat Nama Bank Kredit (Rating) (Bank Name) (Total Credits)

Desember 2006

Pangsa Thd Total Kredit BankUmum (%)(Portionto Total Commercial Bank Credit (%)

Total Nama Bank Kredit (Bank Name) (Total Credits)

Desember 2007

Pangsa Thd Total Kredit BankUmum (%) (Portionto Nama Bank Total (Bank Name) Commercial Bank Credit (%)

Total Kredit (Total Credits)

Desember 2008




Februari 2009

Pangsa Thd Total Kredit BankUmum (%) (Portionto Total Commercial Bank Credit (%)



Desember 2009 Pangsa Thd Total Kredit BankUmum (%)(Portionto Total Commercial Bank Credit (%)



Februari 2010





1

PT Bank Mandiri Tbk

100.780

14,49

PT Bank Mandiri Tbk

108.492


125.280


161.130

12,32


159.432


206.117,20


202.287

14,16

2


75.352

10,83


90.295


114.361


156.900

12,00

PT Bank Mandiri Tbk

156.795


178.042,53


176.335

12,34

3


62.375

8,97


66.494


87.774


112.686

8,62


112.553


122.991,25


118.725

8,31

4


54.125

7,78


61.549


82.503


111.044

8,49


106.372


119.991,28


115.778

8,10

5


35.896

5,16


41.062


51.107


64.376

4,92


61.690


82.157,81

5,79 PT Bank CIMB Niaga, Tbk

81.756

5,72

6

PT Bank Niaga Tbk

29.362

4,22

PT Bank Niaga Tbk

33.208


41.843

4,18 PT Bank CIMB Niaga Tbk

50.117

3,83

PT Bank CIMB Niaga Tbk

48.887


60.161,69


60.248

4,22 2,96

7

PT Bank Permata Tbk

22.218

3,19

PT Bank Permata Tbk

23.825


29.026


36.588

2,80


36.510


41.283,65


42.257

8

PT Bank Internasional Indonesia

20.318

2,92


21.190

2,67 PT Bank Internasional Indonesia

28.189


34.880

2,67

PT Bank Permata Tbk

34.667


41.243,48


42.072

2,94

9

PT Bank Tabungan Negara

15.360

2,21

Citibank N.A

20.849


25.989

2,59 PT Bank Internasional Indonesia

34.757

2,66


34.424

2,64 PT Bank Tabungan Negara (Persero)

40.718,93


40.085

2,81

10


15.143

2,18


19.164

2,42 PT Bank Tabungan Negara

22.352

2,23 PT Bank Tabungan Negara

32.022

2,45

PT Bank Tabungan Negara

32.856


37.114,12

2,62 PT BII Tbk

37.310

2,61

Total

430.930

61,95

Total

486.126

61,36 Total

608.424

60,72 Total

794.500

60,76

Total

60,26 Total

929.821,93

65,53 Total

916.853

64,17

784.531

85



Persen (%)

Tabel 1.83 Suku Bunga Rata-rata Kredit Bank Umum Berdasarkan Sektor Ekonomi (Average of Credit Interest Rates Commercial Bank Based on Economic Sector) Sektor Ekonomi (Economic Sector) Pertanian, perburuan dan sarana pertanian (Agriculture, hunting and agricultural facilities) Rupiah Valas 2. Pertambangan (Mining) Rupiah Valas 3. Perindustrian (Manufacturing) Rupiah Valas 4. Listrik, gas dan air (Water, gas and electricity) Rupiah Valas 5. Konstruksi (Construction) Rupiah Valas 6. Perdagangan, restoran dan hotel (Trade, restaurants and hotels) Rupiah Valas 7. Pengangkutan, pergudangan dan komunikasi (Transport, cargo storage and communications) Rupiah Valas 8. Jasa Dunia usaha (Business Services) Rupiah Valas 9. Jasa sosial/masyarakat (Social Services) Rupiah Valas 10. Lain-lain (Others) Rupiah Valas

Des

Des

Des

2009

Des

2005 2006 2007 2008 Feb

2010

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

1.

-

-

-

14,38 7,73

14,23 7,34

14,11 7,26

13,97 7,05

13,71 6,79

13,52 6,55

13,52 6,26

13,43 5,74

13,37 5,80

13,30 5,73

13,20 5,56

13,10 5,60

11,52 4,57

11,54 4,42

-

-

-

14,83 5,44

14,21 5,20

14,04 5,29

14,01 5,21

14,24 5,92

11,99 5,12

12,10 5,32

10,86 5,18

10,70 4,90

10,67 4,94

12,10 4,70

10,95 4,47

10,11 4,27

9,93 4,49

-

-

-

13,92 6,62

13,49 6,32

13,35 6,24

13,15 6,22

13,11 6,13

12,97 5,94

12,82 5,80

12,62 5,76

12,28 5,53

12,21 5,49

11,97 5,44

11,81 5,43

11,51 4,92

11,46 4,84

-

-

-

11,27 6,28

10,81 6,16

10,58 6,06

10,55 5,49

10,34 5,26

10,32 5,18

10,13 4,94

10,03 4,94

9,81 4,70

9,78 4,67

9,49 4,46

9,42 4,29

8,95 4,24

9,22 5,31

-

-

-

14,18 6,89

14,25 6,54

14,16 6,55

14,15 6,34

14,24 6,47

14,19 6,00

14,13 5,74

13,93 5,95

13,73 5,78

13,59 5,72

13,46 5,77

13,30 6,07

13,26 6,08

13,06 6,43

-

-

-

15,69 7,58

15,71 7,30

15,62 7,20

15,50 7,12

15,42 7,14

15,25 6,96

15,28 6,77

15,20 6,68

15,09 6,50

15,03 6,47

14,98 6,30

14,67 6,20

14,59 7,06

14,54 6,87

-

-

-

12,72 6,49

12,50 5,96

12,19 6,06

12,00 5,79

11,79 5,66

11,04 5,61

11,04 5,59

11,01 5,52

10,48 5,39

10,42 5,34

10,55 5,37

10,45 5,76

10,17 5,26

10,34 5,43

-

-

-

14,22 6,52

14,40 6,14

14,35 6,10

14,23 5,95

14,13 5,65

13,93 5,37

13,71 5,25

13,57 5,14

13,41 5,24

13,28 5,15

13,29 5,19

13,01 4,94

12,25 3,74

12,14 3,79

-

-

-

14,67 5,02

14,59 4,24

14,85 4,40

14,85 4,12

14,90 4,05

14,87 4,02

14,80 3,93

14,72 3,85

14,98 4,93

14,57 5,25

14,70 5,21

14,59 5,49

14,31 1,08

14,15 0,68

-

-

-

15,71 3,85

15,87 4,16

15,79 4,06

15,80 4,03

15,89 0,89

15,98 0,75

15,87 0,60

15,75 0,66

15,86 0,81

15,59 0,68

15,84 0,62

15,74 0,67

12,68 3,36

12,70 2,17



Persen (%)

Tabel 1.84 Suku Bunga Rata-rata Kredit Bank Umum Berdasarkan Jenis Penggunaan (Average of Credit Interest Rates Commercial Bank Based on Type of Use) Jenis Penggunaan (Type of Use)

Des

Des

Des

Des

2005 2006 2007 2008

2009 Feb

Mar

Apr

2010

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

Modal Kerja (Working Capital) Rupiah Valas

-

-

-

14,63 6,44

14,57 6,09

14,50 6,00

14,34 5,91

14,27 5,88

14,04 5,56

13,99 5,44

13,80 5,30

13,68 5,17

13,61 5,13

13,54 5,11

13,27 5,02

12,66 4,31

12,68 4,32

Investasi (Investment) Rupiah Valas

-

-

-

13,99 7,01

13,77 6,80

13,61 6,80

13,59 6,67

13,50 6,63

13,34 6,49

13,15 6,40

13,09 6,37

12,78 6,17

12,69 6,11

12,66 5,93

12,55 5,88

12,41 6,16

12,43 6,11

Konsumsi (Consumption) Rupiah Valas

-

-

-

15,82 3,85

15,97 4,16

15,89 4,09

15,90 4,03

15,98 0,89

16,07 0,75

15,96 0,60

15,88 0,66

15,94 0,81

15,67 0,68

15,92 0,62

15,81 0,67

12,63 2,42

12,60 1,11

87



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

2009


2010

Mar Apr

Mei

Jun

Jul

Ags

Sep Okt

Nov

Des

Jan

Feb

Bank Persero (State Owned Banks) Jumlah Bank (Total Banks) Jumlah Kantor (Total Bank Offices)

5 2.171

5 2.548

5 2.765

5 3.134

5 3.611

5 3.613

5 3.684

5 3.704

5 3.715

5 3.718

5 3.739

4 3.727

4 3.764

4 3.779

4 3.854

4 3.881

4 3.884

BUSN Devisa (Foreign Exchange Commercial Banks) Jumlah Bank (Total Banks) Jumlah Kantor (Total Bank Offices)

34 4.113

35 4.395

35 4.694

32 5.196

34 5.812

34 5.818

33 5.846

33 6.047

33 6.080

33 6.082

33 6.093

34 6.095

34 6.146

33 6.137

34 6.181

35 6.187

35 6.214

37 709

36 759

36 778

36 875

32 832

32 832

32 843

32 873

32 892

32 897

32 906

31 951

31 970

31 980

31 976

30 969

30 978

26 1.107

26 1.217

26 1.205

26 1.310

26 1.319

26 1.319

26 1.332

26 1.361

26 1.363

26 1.369

26 1.371

26 1.374

26 1.376

26 1.378

26 1.358

26 1.365

26 1.369

Bank Campuran (Joint Venture Banks) Jumlah Bank (Total Banks) Jumlah Kantor (Total Bank Offices)

18 64

17 77

17 96

15 168

16 230

16 234

16 262

16 270

16 270

16 269

16 271

16 269

16 270

17 284

16 238

16 238

16 239

Bank Asing (Foreign Owned Banks) Jumlah Bank (Total Banks) Jumlah Kantor (Total Bank Offices)

11 72

11 114

11 142

10 185

10 231

10 231

10 234

10 245

10 236

10 236

10 236

10 236

10 237

10 237

10 230

10 230

10 230

131 8.236

130 9.110

BUSN Non Devisa (Non-Foreign Exchange Commercial Banks) Jumlah Bank (Total Banks) Jumlah Kantor (Total Bank Offices) BPD (Regional Development Banks) Jumlah Bank (Total Banks) Jumlah Kantor (Total Bank Offices)

Total Jumlah Bank (Total Banks)* Jumlah Kantor (Total Bank Offices)

130 124 123 123 122 122 122 122 122 121 121 121 121 121 121 9.680 10.868 12.035 12.047 12.201 12.500 12.556 12.571 12.616 12.652 12.763 12.795 12.837 12.870 12.914



Tabel 1.86 Perkembangan Jumlah Kantor Cabang Bank Berdasarkan Wilayah (Februari 2010) (Growth of Total Branch Offices Based on Region) Wilayah

Des Des Des Des

2009

2005 2006 2007 2008 Feb Jawa Barat (West Java) Banten DKI Jakarta (Special Capital Province of Jakarta) D.I Yogyakarta (Special Province of Yogyakarta) Jawa Tengah (Central Java) Jawa Timur (East Java) Bengkulu Jambi Nanggroe Aceh Darussalam Sumatera Utara (North Sumatra) Sumatera Barat (West Sumatra) Riau Sumatera Selatan (South Sumatra) Kepulauan Riau Bangka Belitung Lampung Kalimantan Selatan (South Kalimantan) Kalimantan Barat (West Kalimantan) Kalimantan Timur (East Kalimantan) Kalimantan Tengah (Central Kalimantan) Sulawesi Tengah (Central Sulawesi) Sulawesi Selatan (South Sulawesi) Sulawesi Utara (North Sulawesi) Sulawesi Barat (West Sulawesi) Gorontalo Sulawesi Tenggara (Southeast Sulawesi) Nusa Tenggara Barat (West Nusa Tenggara) Bali Nusa Tenggara Timur (East Nusa Tenggara) Maluku Papua Maluku Utara (North Maluku) Irian Jaya Barat Di Luar Indonesia (Outside Indonesia) Total

Mar Apr

Mei

Jun

Jul

2010 Ags

Sep Okt

Nov

Des

Jan

Feb

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

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

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

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

330 64 493 48 266 358 21 41 60 146 70 70 67 47 18 45 55 61 94 33 29 111 49 10 11 23 36 76 42 25 38 13 18 18

330 64 496 49 266 358 21 41 65 147 70 70 67 47 18 45 55 61 95 33 29 111 49 10 11 23 36 76 42 25 39 13 18 18

332 64 493 49 267 358 21 41 65 149 70 70 67 48 18 45 55 61 95 33 30 111 49 10 11 24 36 76 42 25 39 13 18 18

333 62 497 50 268 359 21 43 65 150 70 70 67 48 18 45 57 62 96 33 30 111 49 10 11 24 36 76 42 25 39 13 18 17

333 64 499 50 269 358 21 43 65 150 71 71 67 47 18 44 58 62 96 34 31 110 49 11 11 24 36 76 42 25 39 13 18 17

333 64 500 50 270 359 21 43 65 150 71 72 67 48 18 44 58 62 96 34 31 111 49 11 11 24 34 76 42 25 39 13 18 17

331 64 501 50 270 360 21 43 65 150 71 72 67 48 18 44 58 62 97 34 31 111 49 11 11 25 34 72 42 25 39 13 18 17

332 64 502 50 271 362 21 44 65 153 71 73 67 48 18 45 58 62 98 34 31 111 50 11 11 25 34 72 42 25 40 13 19 17

333 64 505 50 271 363 21 44 65 155 71 73 67 49 18 45 59 62 98 36 31 111 50 11 11 25 34 72 43 25 41 13 19 17

334 64 506 50 271 363 21 44 65 156 71 73 67 49 18 45 62 62 98 36 32 111 50 11 11 25 34 72 43 25 41 13 19 17

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

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

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

2.495

2.589

2.689

2.816

2.886

2.898

2.903

2.915

2.922

2.926

2.924

2.939

2.952

2.959

2.982

3.004

3.004

89



DATA BANK SYARIAH

91




Tabel 2.1 Kegiatan Usaha Bank Umum Syariah (BUS) Dan Unit Usaha Syariah (UUS) (Syariah Commercial Bank and Sharia Business Unit Operations) Indikator (Indicator)

Des

Des

Des

Des

2009

2005 2006 2007 2008 Feb

Mar

Apr

Mei

Jun

Jul

2010 Ags Sep

Okt

Nov Des

Jan

Feb

Penyaluran Dana (Fund Disbursements) a. Pembiayaan (Financing) Rupiah Valas (Foreign Exchange) b. Antar Bank (Inter-Bank) c. Penempatan di BI (Placements at BI) d. Surat Berharga (tidak termasuk obligasi rekap) (Money Instruments (not including recapitalization bonds) e. Penyertaan (Equity participation) f. Tagihan Lainnya (Other claims)

20.222 15.232 14.458 774 1.054 3.180

25.927 20.445 19.530 915 991 3.641

32.304 26.149 24.878 1.270 1.437 3.238

48.264 38.199 35.879 2.320 1.978 5.189

50.869 38.843 36.617 2.226 2.371 6.617

50.348 39.308 37.155 2.153 2.185 5.958

51.021 39.726 37.658 2.067 2.109 6.163

52.151 40.715 38.809 1.906 1.982 6.498

54.079 42.195 40.193 2.002 2.449 6.530

54.221 42.828 40.916 1.911 2.269 6.124

55.725 43.890 41.905 1.985 2.307 6.492

56.376 44.523 42.664 1.859 2.262 6.545

58.433 45.246 43.392 1.854 2.391 7.676

60.068 45.726 43.916 1.810 2.512 7.888

64.355 46.886 44.938 1.948 3.036 10.393

63.168 46.843 44.890 1.953 2.728 9.433

66.314 48.479 46.507 1.972 3.348 9.837

730 6 21

829 6 15

1.302 41 138

2.683 79 136

2.768 79 191

2.715 41 142

2.805 42 178

2.742 83 130

2.700 83 122

2.775 83 143

2.796 83 157

2.744 83 219

2.852 83 184

3.644 83 215

3.786 83 171

3.916 83 165

4.358 83 208

Sumber Dana (Sources of Funds) a. DPK (Third Party Funds) Rupiah Giro Wadiah (Wadiah Demand Deposit) Deposito Mudharabah (Mudharabah Time Deposits) Tabungan Mudharabah (Mudharabah Savings Accounts) Valas (Foreign Exchange) Giro Wadiah (Wadiah Demand Deposit) Deposito Mudharabah (Mudharabah Time Deposits) Tabungan Mudharabah (Mudharabah Savings Accounts) b. Kewajiban Kepada BI (Liabilities at BI) c. Antar Bank (Inter-Bank) d. Surat Berharga (Money Instruments) e. Pinjaman yang Diterima (Loans received) Rupiah Valas (Foreign Exchange) f. Kewajiban Lainnya (Other Liabilities) g. Setoran Jaminan (Guarantee Deposits)

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

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

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

40.591 36.852 35.449 3.741 19.273 12.436 1.403 498 870 35 68 2.419 311 150 150 727 64

42.805 38.651 36.857 4.083 20.193 12.581 1.794 670 1.081 43 8 2.896 311 150 150 724 65

42.188 38.040 36.348 3.570 19.779 12.999 1.693 639 1.008 46 8 3.037 361 141 141 535 66

43.137 39.193 37.569 5.707 18.470 13.392 1.624 667 904 52 7 2.848 361 141 141 524 62

44.170 40.288 38.772 4.052 21.249 13.471 1.517 659 809 49 7 2.764 361 141 141 548 60

46.143 42.103 40.093 4.516 21.495 14.082 2.010 683 1.260 67 7 2.912 360 132 132 567 61

47.130 43.004 40.945 4.395 22.454 14.096 2.059 822 1.165 71 7 2.767 360 360 360 568 65 -

48.187 44.019 41.943 4.578 23.581 13.784 2.076 922 1.079 75 7 2.708 360 359 359 667 68

49.711 45.381 43.393 4.628 24.273 14.492 1.988 864 1.038 86 6 2.611 360 551 551 739 63

51.197 46.500 44.649 4.619 25.358 14.673 1.850 737 1.028 86 6 3.006 340 550 550 729 65

52.909 47.887 46.153 5.106 26.060 14.986 1.734 646 996 93 6 3.322 340 523 523 767 64

57.762 52.271 50.266 5.403 28.484 16.379 2.006 798 1.111 96 6 3.717 340 512 512 845 69

54.890 50.109 48.105 5.524 27.215 15.366 2.004 801 1.164 39 6 3.446 340 113 113 817 59

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

951 230 239 (76) 132 -

991 268 355 27 142 -

1.017 275 481 149 132 -

1.752 335 432 152 466 -

1.852 335 169 730 132 333

1.852 335 289 562 466 -

1.852 335 360 558 466 -

1.852 449 436 308 466 -

1.801 449 517 308 466 -

1.801 449 593 308 466 -

1.801 449 669 308 466 -

1.801 449 469 308 466 -

1.801 449 558 308 466 -

1.801 449 634 308 466 -

1.946 449 790 315 468 -

2.330 449 77 896 135 -

2.279 449 179 959 135 -

Komponen Modal (Capital Components) a. Modal Disetor (Paid-In Capital) b. Cadangan (Reserves) c. L/R tahun berjalan (Current Earnings (Profit/Loss) d. L/R tahun Lalu (Retained Earnings (Profit/Loss) e. Perkiraan tambahan modal disetor (Estimate of Additional Paid-In Capital) f. Modal Pinjaman (Capital Loans) SWBI (BUS & UUS) (Bank Indonesia Syariah Money Certificates (BUS & UUS) Total Aset (Total Assets) Jaringan Kantor (Office Network) Jumlah Bank (Total Banks) Jumlah Kantor *) Total Bank Offices *)

2.395

2.358

1.761

2.824

3.192

2.704

2.058

2.539

1.819

3.373

2.972

49.555

52.152

51.678

52.212

50.464

55.238

2.635 58.034

3.076

33.016

2.321 57.012

2.142

26.722

1.253 55.610

2.835

20.880

59.679

61.359

66.090

67.436

67.963

22 436

23 509

29 568

32 790

31 867

31 888

30 895

30 898

30 899

29 904

29 916

29 924

31 963

31 987

31 998

31 1.108

32 1.146

Ket : * ) Tidak Termasuk Gerai Muamalat (Not including Muamalat Outlets)




Tabel 2.2 Kegiatan Usaha Bank Umum Syariah (BUS) (Syariah Commercial Bank Operations (BUS)) Indikator (Indicator)

Des

Des

Des

Des

2009

2005 2006 2007 2008 Feb

Mar

Apr

Mei

Jun

Jul

2010 Ags Sep

Okt

Nov Des

Jan

Feb


16.132 12.405 11.652 753 373 2.986

19.839 16.113 15.224 889 535 2.715

25.663 20.717 19.602 1.115 672 3.286

33.026 26.109 24.422 1.688 1.016 3.827

35.614 27.518 26.029 1.489 1.228 4.715

35.762 27.756 26.295 1.460 1.220 4.760

36.248 27.841 26.439 1.402 1.104 5.166

37.327 28.502 27.236 1.265 1.013 5.669

38.725 29.716 28.376 1.340 1.343 5.567

39.135 31.058 29.780 1.278 1.289 4.594

40.310 31.817 30.540 1.277 1.389 4.874

40.875 32.165 30.981 1.185 1.324 5.144

42.285 32.727 31.529 1.198 1.227 6.023

42.966 33.491 32.339 1.153 1.141 5.207

46.386 34.452 33.190 1.261 1.415 7.345

46.810 34.765 33.459 1.306 1.548 7.266

47.153 35.980 34.670 1.311 1.483 6.372

341 6 21

457 6 14

766 41 182

1.859 79 136

1.884 79 191

1.843 41 142

1.918 42 178

1.929 83 130

1.894 83 122

1.969 83 143

1.990 83 157

1.939 83 219

2.043 83 181

2.830 83 213

2.922 83 169

2.982 83 165

3.028 83 206


15.041 13.667 12.843 1.609 7.539 3.695 5 825 207 617 32 684 244 205 201 186 23

18.509 17.216 16.380 2.523 8.456 .401 836 232 604 32 603 247 179 179 215 17

23.960 21.966 20.880 2.624 10.555 7.702 1.085 262 823 32 1.049 329 154 154 400 31

30.546 27.734 26.498 2.250 14.588 9.659 1.237 465 772 68 1.736 311 150 150 513 35

32.715 29.447 27.862 2.358 15.501 10.004 1.585 609 977 8 2.145 311 150 150 616 38

32.936 29.569 28.053 2.559 15.146 10.349 1.516 599 917 8 2.376 361 141 141 443 38

33.234 30.179 28.781 4.810 13.319 10.651 1.399 565 834 7 2.086 361 141 141 423 36

34.397 31.282 29.938 3.036 16.214 10.688 1.344 580 765 7 2.122 361 141 141 449 35

35.954 32.698 30.894 3.403 16.281 11.210 1.804 589 1.215 7 2.261 360 132 132 461 36

36.552 32.917 31.069 3.207 16.610 11.252 1.848 726 1.122 7 2.401 360 360 360 465 43

37.431 33.676 31.794 3.254 17.613 10.928 1.881 846 1.036 7 2.428 360 359 359 557 44

38.855 35.186 33.498 3.302 18.706 11.490 1.688 697 992 6 2.272 360 351 351 640 40

39.803 36.050 34.411 3.244 19.588 11.579 1.638 659 980 6 2.405 340 350 350 613 38

40.303 36.392 34.849 3.418 19.603 11.828 1.543 588 955 6 2.739 340 123 123 667 36

43.858 39.624 37.881 3.612 21.510 12.759 1.743 683 1.060 6 3.005 340 112 112 735 36

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

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

951 230 266 (43) 132 -

991 268 310 24 142 -

1.001 275 459 143 132 -

1.701 335 499 138 466 -

1.801 335 102 634 132 333

1.801 335 171 515 466 -

1.801 335 208 521 466 -

1.801 449 250 288 466 -

1.801 449 297 288 466 -

1.801 449 346 288 466 -

1.801 449 385 288 466 -

1.801 449 411 288 466 -

1.801 449 440 288 466 -

1.801 449 488 288 466 -

1.946 449 499 295 468 -

2.279 449 41 793 135 -

2.279 449 93 794 135 -

Komponen Modal (Capital Components) a. Modal Disetor (Paid-In Capital) b. Cadangan (Reserves) c. L/R tahun berjalan (Current Earnings (Profit/Loss) d. L/R tahun Lalu (Retained Earnings (Profit/Loss) e. Perkiraan tambahan modal disetor (Estimate of Additional Paid-In Capital) f. Modal Pinjaman (Capital Loans) SWBI (BUS & UUS) (BankIndonesiaSyariahMoneyCertificates(BUS&UUS) Total Aset (Total Assets) Jaringan Kantor (Office Network) Jumlah Bank (Total Banks) Jumlah Kantor *) Total Bank Offices *)

2.395

2.358

2.599

2.824

3.192

2.704

2.058

2.539

1.819

1.253

2.321

2.635

2.835

2.142

3.076

3.373

2.972

17.111

21.151

27.286

34.036

36.488

36.665

37.039

35.282

39.534

40.191

41.162

42.636

43.650

44.185

48.014

48.451

48.714

3 301

3 346

3 398

5 576

5 618

5 635

5 642

5 643

5 643

5 645

5 654

5 660

6 688

6 701

6 711

6 820

7 852

93





Tabel 2.3 Kegiatan Usaha Unit Usaha Syariah (UUS) (Syariah Business Unit Operations (UUS))

Des Des Des Des Indikator (Indicator)

2009

2005 2006 2007 2008 Feb

Mar

Apr

Mei

Jun

Jul

2010 Ags Sep

Okt

Nov Des

Jan

Feb


4.090 2.827 2.807 20 681 194

6.087 4.332 4.305 26 457 926

10.099 7.227 6.910 318 996 1.254

15.238 12.090 11.457 632 962 1.362

15.255 11.325 10.588 737 1.143 1.903

14.586 11.552 10.859 693 965 1.197

14.773 11.884 11.219 665 1.005 997

14.824 12.213 11.572 641 969 829

15.354 12.479 11.817 662 1.106 963

15.086 11.770 11.136 633 980 1.530

15.415 12.072 11.365 708 918 1.618

15.501 12.358 11.683 674 937 1.401

16.148 12.519 11.863 656 1.164 1.653

17.102 12.235 11.578 657 1.371 2.681

17.969 12.435 11.748 687 1.621 3.048

16.358 12.077 11.431 647 1.180 2.167

19.161 12.499 11.838 661 1.865 3.465

389 -

372 1

622 -

824 -

884 -

872 0

887 0

813 0

806 0

807 0

806 0

805 0

810 2

814 2

864 1

934 0

1.330 2


2.258 1.914 1.909 228 1.007 675 5 2 3 296 21 3 2 23 2

3.828 3.456 3.438 657 1.752 1.030 18 4 14 271 21 1 1 70 8

7.061 6.045 6.003 836 3.416 1.751 42 29 13 902 21 1 1 73 19

10.044 9.118 8.952 1.490 4.684 2.777 166 33 98 35 684 0 0 214 29

10.090 9.204 8.995 1.726 4.692 2.577 209 61 105 43 751 0 0 108 26

9.251 8.471 8.294 1.011 4.633 2.650 177 40 91 46 661 0 0 91 27

9.902 9.014 8.789 896 5.151 2.741 225 102 71 52 762 0 0 101 25

9.772 9.006 8.834 1.016 5.035 2.783 172 79 44 49 642 0 0 98 26

10.188 9.405 9.199 1.113 5.214 2.872 207 94 46 67 651 0 0 106 25

10.579 10.087 9.876 1.189 5.843 2.844 211 96 43 71 365 104 22

10.756 10.343 10.148 1.324 5.968 2.856 195 76 44 75 279 110 23

10.856 10.195 9.895 1.326 5.567 3.002 299 167 46 86 338 200 200 100 23

11.394 10.450 10.238 1.374 5.770 3.094 212 78 48 86 601 200 200 116 27

12.606 11.495 11.304 1.688 6.457 3.159 191 58 41 93 583 400 400 100 28

13.903 12.648 12.385 1.791 6.974 3.620 263 116 51 96 712 400 400 111 33

10.688 9.706 9.538 1.889 4.892 2.758 168 28 101 39 841 0 0 113 27

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

(28) (33) -

45 3 -

16 81 6 -

51 (66) 14 -

51 67 96 -

51 119 47 -

51 152 37 -

51 186 20 -

220 20 -

247 20 -

284 20 -

58 20 -

118 20 -

146 20 -

291 20 -

51 36 102 -

86 165 -

2.395

2.358

2.599

2.824

3.192

2.704

2.058

2.539

1.819

1.253

2.321

2.635

2.835

2.142

3.076

3.373

2.972

3.596

5.571

9.252

15.519

15.664

15.013

15.173

15.182

15.704

15.419

15.850

15.398

16.028

17.174

18.076

18.985

19.250

19 133

20 163

26 170

27 214

26 249

26 253

25 253

25 255

25 256

24 259

24 262

24 264

25 275

25 286

25 287

25 288

25 294

Komponen Modal (Capital Components) a. Modal Disetor (Paid-In Capital) b. Cadangan (Reserves) c. L/R tahun berjalan (Current Earnings (Profit/Loss) d. L/R tahun Lalu (Retained Earnings (Profit/Loss) e. Perkiraan tambahan modal disetor (Estimate of Additional Paid-In Capital) f. Modal Pinjaman (Capital Loans) SWBI (BUS & UUS) (BankIndonesiaSyariahMoneyCertificates(BUS&UUS) Total Aset (Total Assets) Jaringan Kantor (Office Network) Jumlah Bank (Total Banks) Jumlah Kantor *) Total Bank Offices *)





Tabel 2.4 Perkembangan Aset Perbankan Syariah (Growth of Assets of Syariah Banks)

Des Indikator (Indicators) Bank Umum Syariah (Syariah Commercial Banks) Unit Usaha Syariah (Syariah Business Units)

Des Des Des

2005 2006 2007 2008 Feb

2009 Mar

17.111 21.151 27.286 34.036 36.488 36.665 3 . 7 6 9 5.571

9.252 15.519 15.664 15.013

Apr

Mei

Jun

Jul

2010 Ags

Sep

Okt

Nov

Des

Jan

Feb

37.039 38.012 39.534

40.191 41.162

42.636 43.650 44.185 48.014 48.451 48.714

15.173 15.182 15.704

15.419 15.850

15.398 16.028 17.174 18.076 18.985 19.250

95




Tabel 2.5 Aktiva Produktif Perbankan Syariah (Earning Assets of Syariah Banks)

Des Indikator (Indicators) Pembiayaan (Financing) a. Lancar (Current) b. Dalam Perhatian Khusus ( Special Mention) c. Kurang Lancar (Sub-Standard) d. Diragukan (Doubtful) e. Macet (Lost)

Des Des

Des

2005 2006 2007 2008

2009 Feb

27.944 38.195 38.843 25.494 35.076 34.653 1.319 1.610 2.400 321 525 620 267 224 171 543 759 998

2010

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

39.308 35.024 2.264 804 200 1.015

39.726 35.115 2.558 807 219 1.027

40.715 36.023 2.749 594 267 1.081

42.195 37.601 2.743 553 417 881

42.828 38.154 2.470 845 414 945

43.890 38.715 2.713 1.068 393 1.002

44.523 38.815 3.161 1.136 341 1.070

45.246 39.656 3.097 1.036 276 1.180

45.726 39.977 3.216 898 746 889

46.886 41.931 3.074 435 582 865

47.140 41.329 3.757 621 397 1.036

48.479 42.058 4.120 822 232 1.248

15.232 14.027 776 201 73 155

20.445 18.583 891 353 236 383

Non Performing Financing (Nominal)

429

971

1.131

1.509

1.789

2.019

2.053

1.942

1.851

2.204

2.462

2.547

2.492

2.534

1.882

2.053

2.302

Rasio Non Performing Financing (%)

2,82

4,75

4,05

3,95

4,61

5,14

5,17

4,77

4,39

5,15

5,61

5,72

5,51

5,54

4,01

4,36

4,75




Tabel 2.6 Komposisi DPK Perbankan Syariah (Composition of Third Party Funds of Syariah Banks) Desember 2005

Indikator (Indicators)

Nominal

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

Desember 2006 Nominal

Giro Wadiah Rupiah Valas (Foreign Exchange)

2.045 1.836 209

13,13 11,78 1,34

2.847 2.562 285

Deposito Mudharabah Rupiah Valas (Foreign Exchange)

9.166 8.546 620

58,83 54,85 3,98

10.656 10.109 546

Tabungan Mudharabah Rupiah Valas (Foreign Exchange)

4.370 4.370 -

28,04 28,04 0,00

5.845 5.845 -

15.581 14.752 829

100 94,68 5,32

19.347 18.516 831



14,71 13,24 1,47





Februari 2009 Nominal




Februari 2010 Nominal


3.750 3.459 291

13,39 12,35 1,04

4.238 3.741 498

11,50 10,15 1,35

4.753 4.083 670

12,30 10,56 1,73

6.202 5.403 798

11,86 10,34 1,53

4.641 3.911 730

10,97 9,24 1,73

55,08 14.807 52,25 13.971 2,82 836

52,86 49,88 2,98

20.143 19.273 870

54,66 52,30 2,36

21.274 20.193 1.081

55,04 52,24 2,80

29.595 28.484 1.111

56,62 54,49 2,13

23.956 22.939 1.017

56,61 54,21 2,40

30,21 30,21 0,00

9.453 9.453 -

33,75 33,75 0,00

12.471 12.436 35

33,84 33,74 0,10

12.624 12.581 43

32,66 32,55 0,11

16.475 16.379 96

31,52 31,33 0,18

13.717 13.610 107

32,42 32,17 0,25

100 28.011 95,70 26.884 4,30 1.127

100 95,98 4,02

36.852 35.449 1.403

100 96,19 3,81

38.651 36.857 1.794

100 95,36 4,64

52.271 50.266 2.006

100 96,16 3,84

42.314 40.461 1.854

100 95,62 4,38

97



Persen (%)

Tabel 2.7 Tingkat Bagi Hasil Rata-rata DPK Bank Syariah (Average of Profit Sharing Rates of Third Party Fund of Sharia Banks) Indikator (Indicators)

Des Des Des

Des

2005 2006 2007 2008

2009 Feb

Mar

Apr

Mei

Jun

Jul

2010 Ags

Sep

Okt

Nov

Des

Jan

Feb

Giro Wadiah Rupiah Valas (Foreign Exchange)

1,13 1,47

1,28 1,12

1,07 1,08

1,21 0,95

1,03 0,35

1,15 0,31

1,05 0,36

1,13 0,33

1,51 0,35

1,23 0,38

1,18 0,31

1,13 0,39

1,12 0,37

0,95 0,40

1,04 0,38

1,01 0,37

0,99 0,37

Deposito Mudharabah Rupiah Valas (Foreign Exchange)

8,66 3,68

9,75 3,87

7,97 5,71

8,61 2,69

8,28 2,76

8,10 1,69

9,10 3,03

8,51 2,91

8,43 2,05

8,21 1,86

7,61 3,05

7,46 2,44

7,62 3,00

7,32 2,27

7,48 3,18

5,84 2,80

6,85 2,48

Tabungan Mudharabah Rupiah Valas (Foreign Exchange)

3,96 -

3,72 -

3,32 0,63

3,61 0,92

3,29 0,05

3,21 0,95

3,35 0,98

3,19 0,95

3,22 0,97

3,02 0,98

3,03 0,97

3,07 0,98

2,94 0,99

3,29 2,74

2,76 1,01

2,50 1,01

2,43 0,97



Persen (%)

Tabel 2.8 Tingkat Margin Rata-rata Pembiayaan Berdasarkan Sektor Ekonomi (Average of Margin Rates of Financing Based on Sector Economic) Sektor Ekonomi (Economic Sector) 1. Pertanian, perburuan dan sarana pertanian (Agriculture, hunting and agricultural facilities) Rupiah Valas 2. Pertambangan (Mining) Rupiah Valas 3. Perindustrian (Manufacturing) Rupiah Valas 4. Listrik, gas dan air (Water, gas and electricity) Rupiah Valas 5. Konstruksi (Construction) Rupiah Valas 6. Perdagangan, restoran dan hotel (Trade, restaurants and hotels) Rupiah Valas 7. Pengangkutan, pergudangan dan komunikasi (Transport, cargo storage and communications) Rupiah Valas 8. Jasa Dunia usaha (Business Services) Rupiah Valas 9. Jasa sosial/masyarakat (Social Services) Rupiah Valas 10. Lain-lain (Others) Rupiah Valas

Des Des Des

Des

2005 2006 2007 2008

2009

2010

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

10,35

11,34

15,97

16,34

16,30

15,53

16,27

16,06

16,00

15,83

15,80

15,83

15,85

17,47

17,78

16,83

17,54

10,46 8,16 11,41 2,67 11,92 12,20 3,79 15,77 15,86 12,00 10,74 11,48 1,54 12,63

11,50 12,58 15,49 1,52 12,17 12,33 4,98 15,17 15,17 10,47 11,29 8,71

15,97 12,59 13,96 10,33 15,01 16,33 6,40 15,40 15,80 9,27 15,51 16,03 3,20 15,78

16,36 15,57 10,39 22,74 14,68 15,58 2,49 13,90 18,97 10,42 13,67 13,90 8,85 17,00

16,31 1,00 12,42 7,84 21,60 15,60 15,64 12,63 13,51 17,18 10,98 13,16 13,36 9,49 17,31

15,54 1,00 12,13 7,85 21,62 15,63 15,65 13,51 13,54 16,70 10,95 13,54 16,70 10,95 17,62

16,29 1,00 11,75 8,14 20,06 16,11 15,90 47,23 13,26 14,96 10,96 13,65 13,95 8,24 18,24

16,06 13,25 9,66 21,69 15,86 15,67 42,14 13,64 15,14 10,95 14,23 14,54 8,34 18,57

16,00 13,41 9,85 21,70 15,39 15,22 42,91 14,34 15,95 10,99 13,90 14,71 4,86 18,24

15,83 12,99 9,73 21,44 15,46 15,28 43,48 13,90 15,04 10,93 13,78 14,54 4,80 18,65

15,80 13,08 9,96 21,45 15,11 15,13 11,96 14,15 15,22 10,80 13,44 14,13 4,69 18,79

15,83 13,02 9,94 21,45 15,20 15,23 10,90 14,42 15,39 10,78 13,70 14,36 4,65 19,07

15,85 12,76 9,68 21,52 15,47 15,32 39,08 13,01 13,52 10,79 13,81 14,48 4,62 18,50

17,47 15,40 13,26 21,53 15,20 15,05 39,42 14,72 15,56 10,80 13,16 13,78 4,60 19,09

17,78 15,44 14,20 18,51 15,48 15,34 39,77 15,30 16,18 10,76 13,49 14,15 4,60 19,34

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

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

13,30 2,90 14,46

8,73 7,01 16,09

15,75 16,40 14,28

17,08 15,00 16,00

17,34 9,12 15,36

17,66 9,15 15,33

18,32 10,41 15,62

18,65 10,17 15,67

18,34 9,87 15,54

18,75 9,95 15,76

18,88 9,95 15,11

19,16 9,88 15,21

18,59 10,87 14,87

19,18 12,45 15,29

19,49 12,04 15,24

19,23 11,85 15,03

20,53 11,85 15,53

14,83 8,05 13,30 13,78 4,06 10,75 11,06 0,01 12,45 12,51 0,65

16,55 10,50 15,09 15,31 4,63 10,66 11,15 11,01 11,12 8,69

15,54 6,75 15,19 15,85 6,57 12,95 12,95 11,49 11,58 0,47

16,85 9,49 15,97 16,82 3,93 14,04 14,04 11,60 11,82 0,09

16,42 9,46 15,63 16,13 7,87 13,19 13,19 10,97 11,41 0,11

16,34 9,47 15,22 15,69 7,80 14,66 14,66 10,92 11,33 0,10

16,62 9,47 15,24 15,69 7,37 15,22 15,22 11,13 11,51 0,11

16,53 9,46 15,03 15,40 7,69 15,54 15,54 10,00 11,20 11,55 0,10

16,22 7,90 14,91 15,29 8,08 15,79 15,79 11,18 11,53 0,12

16,47 7,91 15,09 15,42 7,89 15,63 15,63 11,23 11,60 0,46

15,76 7,95 15,13 15,45 7,90 15,86 15,86 11,04 11,47 0,35

15,80 8,16 15,10 15,40 7,91 15,99 15,99 11,17 11,56 0,35

15,39 8,21 14,96 15,25 8,00 15,98 15,98 10,88 11,25 0,34

15,75 8,72 15,27 15,57 7,87 16,11 16,11 11,04 11,40 0,17

15,80 8,12 15,26 15,54 8,22 16,89 16,89 11,04 11,41 0,13

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

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

99



Persen (%)

Tabel 2.9 Tingkat Margin Rata-rata Pembiayaan Berdasarkan Jenis Penggunaan (Average of Margin Rates of Financing Based on Type of Use)

Des Des Des Indikator (Indicators)

Des

2005 2006 2007 2008

2009

2010

Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

Modal Kerja Rupiah Valas (Foreign Exchange)

12,22 12,63 4,53

11,71 11,97 1,45

15,51 15,92 8,51

16,49 19,34 4,26

16,32 16,43 14,22

16,46 16,54 14,87

16,74 16,86 14,22

15,58 15,62 14,73

16,38 16,53 13,13

16,45 16,59 12,82

16,52 16,67 12,75

16,58 16,71 12,89

16,43 16,54 13,34

16,85 16,95 13,71

16,99 17,15 12,55

16,26 16,44 11,46

16,59 16,80 10,94

Investasi Rupiah Valas (Foreign Exchange)

12,51 13,36 2,13

13,34 13,80 6,01

13,87 14,59 7,41

13,67 18,04 2,23

12,70 13,29 7,24

12,39 13,03 6,35

12,62 13,23 6,59

12,32 12,83 6,91

13,35 13,98 6,74

13,56 14,12 6,98

13,14 13,66 7,00

13,37 13,86 7,02

13,45 13,93 7,25

13,48 13,95 7,28

13,75 14,22 7,65

13,43 13,87 7,63

13,75 14,21 7,52

Konsumsi Rupiah Valas (Foreign Exchange)

12,33 12,37 0,91

10,99 11,10 8,69

11,48 11,56 0,47

11,58 14,32 0,01

11,57 11,61 1,00

11,47 11,51 1,00

11,74 11,78 1,00

10,70 10,73 1,00

11,78 11,82 1,03

11,19 11,56 0,46

11,01 11,43 0,35

11,14 11,53 0,35

11,17 11,55 0,34

11,01 11,37 0,17

11,03 11,40 0,13

10,91 11,27 0,11

11,72 12,09 0,09




Tabel 2.10 Kegiatan Usaha BPR Syariah (Syariah Rural Banks Operation)

Des Des Des Indikator (Indicators)

Des

2009

2005 2006 2007 2008 Feb

Mar

Apr

Mei

Jun

Jul

2010 Ags

Sep

Okt

Nov

Des

Jan

Feb

Penyaluran dana Pembiayaan Antar Bank Aktiva

-

-

1.107 877 230

1.591 1.257 334

1.591 1.277 314

1.636 1.332 303

1.650 1.361 290

1.669 1.381 287

1.703 1.410 293

1.759 1.451 308

1.784 1.502 282

1.830 1.523 307

1.884 1.547 337

1.914 1.576 338

1.995 1.587 408

2.002 1.587 415

2.034 1.654 380

Sumber Dana Dana Pihak Ketiga Tabungan Wadiah Tabungan Mudharabah Deposito Mudharabah Antar Bank Pasiva Pinjaman yang diterima Kewajiban lainnya

-

-

708 87 204 417 174 52 3

570 10 280 280 8 271

995 171 275 549 268 61 20

1.034 188 273 574 271 65 17

1.051 187 280 584 267 62 17

1.069 188 282 599 0 0 0

1.083 196 278 609 275 65 17

1.125 211 284 630 276 67 19

1.140 212 282 646 294 66 16

1.158 210 283 665 315 65 14

1.202 216 290 696 313 60 14

1.228 220 293 716 317 55 14

1.251 234 319 697 353 57 18

1.283 239 320 725 348 49 17

1.310 246 320 744 350 52 17

Beberapa komponen modal Modal disetor Cadangan L/R Tahun Berjalan L/R Tahun lalu

-

-

176 21 27 (9)

222 28 30 (15)

223 28 9 9

231 31 13 (3)

243 33 18 (9)

618 373 24 (12)

636 386 28 (19)

642 388 33 (19)

655 403 38 (20)

681 418 41 (21)

692 419 48 (21)

699 414 53 (22)

751 456 55 (22)

733 440 5 30

735 439 9 25

101




Tabel 2.11 Aset dan Pembiayaan BPR Syariah (Asset and Financing of Syariah Rural Bank)

Des Des Des Des Indikator (Indicators)

2009

2005 2006 2007 2008 Feb

2010

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

Aset (Assets)

-

-

1.203

1.693

1.702

1.748

1.766

1.782

1.821

1.877

1.910

1.962

2.014

2.051

2.126

2.139

2.180

Pembiayaan (Financing) Lancar Current) Kurang Lancar (Sub Standard) Diragukan (Doubtful) Macet (Lost)

-

-

882 807 22 22 31

1.257 1.151 35 21 49

1.277 1.165 36 21 54

1.332 1.220 32 28 52

1.361 1.248 33 30 50

1.384 1.270 34 31 49

1.410 1.298 36 31 44

1.451 1.339 38 32 42

1.502 1.384 40 34 42

1.523 1.400 43 36 45

1.547 1.427 38 33 50

1.576 1.444 43 34 55

1.587 1.475 31 31 50

1.587 1.470 38 22 56

1.654 1.530 44 22 58

Non Performing Financing (Nominal) Non Performing Financing (%)

-

-

75 8,56

105 8,38

112 8,74

112 8,41

113 8,32

114 8,22

112 7,91

112 7,72

117 7,80

124 8,12

120 7,74

132 8,36

112 7,03

117 7,36

124 7,48

Ket : Data tersedia mulai posisi Januari 2007 (Data Available on January 2007)




Tabel 2.12 Jaringan Kantor Perbankan Syariah (Syariah Bank Office Network) Des Des Des Des Indikator (Indicators)

2009

2005 2006 2007 2008 Feb

Mar

Apr

Mei

Jun

Jul

2010 Ags

Sep Okt

Nov

Des

Jan

Feb

Bank Umum Syariah (BUS) (Sharia Commercial Banks) Jumlah Bank Total Banks Jumlah Kantor (Total Bank Offices)

3 301

3 346

3 398

5 576

5 618

5 635

5 642

5 643

5 643

5 645

5 654

5 660

6 688

6 701

6 711

6 820

7 852

Unit Usaha Syariah (UUS) (Sharia Business Units) Jumlah Bank (Total Banks) Jumlah Kantor (Total Bank Offices)

19 133

20 163

26 170

27 214

26 249

26 253

25 253

25 255

25 256

24 259

24 262

24 264

25 275

25 286

25 287

25 288

25 294

-

-

114 185

131 202

132 203

133 208

133 209

134 210

133 209

134 216

135 220

137 220

138 221

139 222

139 223

140 262

142 265

BPR Syariah (Sharia Rural Bank) 1 Jumlah Bank (Total Banks) Jumlah Kantor (Total Bank Offices)

103



DATA BPR

105




Tabel 3.1 Kegiatan Usaha Bank Perkreditan Rakyat (Rural Bank Operations) Indikator (Indicator)

Des Des Des Des

2009

2005 2006 2007 2008 Feb

2010

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

27.638 27.983

Penyaluran Dana (Fund Disbursements) a. Kredit (Credits) b. Antar Bank Aktiva (Inter-Bank Assets)

14.654

16.948

20.540

25.472

25.888

25.336

25.571

25.916

26.388

26.770

27.289

27.436

3.442

4.956

6.009

5.841

5.868

5.946

6.153

6.073

6.010

6.229

6.107

6.324

28.001

28.332

28.903

7.198

8.075

8.065

8.035

16.755 16.939

18.163

7.003

Sumber Dana (Source of Funds) a. DPK (Third Party Funds) Deposito (Time Deposits)

9.421

11.190

12.701

14.204

14.806

14.759

14.903

14.990

15.361

15.656

16.092

16.395

17.280

17.722

Tabungan (Savings Deposits)

3.757

4.581

6.018

7.135

7.111

7.031

7.282

7.343

7.350

7.544

7.495

7.506

7.789

7.958

8.272

8.355

8.457

b. Antar Bank Pasiva (Inter-Bank Liabilities)

1.761

2.401

3.240

4.214

4.105

3.889

3.893

3.773

3.823

3.758

3.739

3.757

3.735

3.777

3.947

3.772

3.769

c. Pinjaman yang Diterima (Loans received)

406

416

482

542

513

514

530

593

603

586

593

598

607

596

541

526

515

d. Kewajiban Segera (Immediate Liabilities)

107

145

189

250

339

327

342

367

277

294

280

272

244

330

328

362

403

Beberapa Komponen Modal (Several Components of Capital) 1.908

2.333

2.776

3.241

3.361

3.359

3.392

3.434

3.478

3.532

3.551

3.679

3.758

3.888

4.072

4.094

4.180

b. Cadangan (Reserves)

a. Modal Disetor (Paid-In Capital)

484

697

828

1.098

1.002

965

999

1.024

1.018

1.013

1.034

1.029

1.030

1.029

1.033

1.091

1.114

c. L/R Tahun Berjalan (Current Earnings (Profit/Loss)

604

509

663

849

(170)

280

382

477

577

616

737

830

943

1.074

1.158

112

239

131

129

38

-100

442

372

120

-1

-26

-44

-101

-105

-102

-107

-118

812

626

d. L/R Tahun Lalu (Retained Earnings (Profit/Loss))




Tabel 3.2 Kinerja Bank Perkreditan Rakyat (Rural Bank Performance) Des Des Des Des Indikator (Indicator) LDR(%)

2009

2005 2006 2007 2008 Feb

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

81,94

Des

Jan

Feb

82,00

87,37

80,03

82,54

82,18

80,91

80,84

83,04

83,09

84,05

83,13

81,76

79,61

78,64

79,17

Total Kredit (Total Credit)

14.654

16.953

20.684

25.480

25.893

25.341

25.575

25.921

26.393

26.776 27.296

27.443

27.645 27.993

28.012

28.343

28.914

Penghimpunan Dana (Funds collected)

15.345

17.879

21.696

25.944

26.412

26.067

26.685

26.093

26.562

27.020 27.415

27.772

28.298 28.698

29.496

29.822

30.338

2.525

1.525

4.149

4.926

5.094

5.251

4.951

5.122

5.202

5.263

5.061

5.238

5.439

5.541

5.691

6.218

6.185

7,97

9,73

7,98

9,88

10,32

7,50

7,60

7,54

7,48

7,57

7,50

7,57

7,63

7,52

6,90

7,24

7,22

2.026

2.047

2.077

2.108

2.105

1.932

2.051

2.087

26.770 27.289

27.436

27.638 27.983

28.001

28.332

28.903

3,08

3,55

3,73

Modal Inti (Core Capital) NPL(%) Kredit Non Lancar (Non Current Credits) Total Kredit (Total Credit) ROA(%) L/R Tahun Berjalan (Current Earnings (Profit/Loss) Total Aktiva ROE(%) L/R Tahun Berjalan (Current Earnings (Profit/Loss) Modal Disetor (Paid-In Capital) Cadangan Umum (General Reserve)

1.169

1.649

1.639

2.516

2.672

1.900

1.944

1.954

1.972

14.654

16.948

20.540

25.472

25.888

25.336

25.571

25.916

26.388

2,96

2,21

2,39

2,61

(3,11)

3,43

3,47

3,44

3,42

604

509

663

849

-170

280

382

477

577

20.393

23.045

27.741

32.533

32.703

32.681

33.046

33.259

33.765

25,23

19,25

20,98

22,67

(26,29)

29,15

29,38

28,96

28,82

82,94

2010

3,08

3,18

616

737

830

34.277 34.762

35.221

26,02

27,06

3,14

26,28

3,14

3,19

943

1.074

1.158

112

239

36.055 36.704

37.554

37.891

38.494

26,46

25,08

28,90

30,27

26,31

604

509

663

849

-170

280

382

477

577

616

737

830

943

1.074

1.158

112

239

1.908

2.333

2.776

3.241

3.361

3.359

3.392

3.434

3.478

3.532

3.551

3.679

3.758

3.888

4.072

4.094

4.180

484

312

384

506

510

487

508

521

526

529

535

531

542

542

546

555

565

107




Tabel 3.3 Perkembangan Aset BPR Berdasarkan Lokasi (Growth of Rural Bank Asset Based on Location) Lokasi (Location) Jawa Barat (Including Banten) DKI Jakarta (Special Capital Province of Jakarta) D.I Yogyakarta (Special Province of Yogyakarta) Jawa Tengah (Central Java) Jawa Timur (East Java) Bengkulu Jambi Nanggroe Aceh Darussalam Sumatera Utara (North Sumatra) Sumatera Barat (West Sumatra) Riau (Including Bangka Belitung) Sumatera Selatan (South Sumatra) Lampung Kalimantan Selatan (South Kalimantan) Kalimantan Barat (West Kalimantan) Kalimantan Timur (East Kalimantan) Kalimantan Tengah (Central Kalimantan) Sulawesi Tengah (Central Sulawesi) Sulawesi Selatan (South Sulawesi) Sulawesi Utara (including Gorontalo) Sulawesi Tenggara (Southeast Sulawesi) Nusa Tenggara Barat (West Nusa Tenggara) Bali Nusa Tenggara Timur (East Nusa Tenggara) Maluku Papua Maluku Utara (North Maluku) Total

Des Des Des Des

2009

2005 2006 2007 2008 Feb 4.469 228 997 5.069 2.788 15 62 36 341 413 472 134 2.975 94 180 72 1 61 76 126 19 260 1.236 20 84 165 1 20.393

4.742 350 1.101 5.665 3.145 15 140 38 376 537 685 206 3.038 107 307 99 3 89 119 154 31 321 1.467 23 127 162 1 23.045

Mar

Apr

Mei

Jun

Jul

5.330 489 1.409 6.723 3.616 18 216 54 419 733 1.020 336 3.516 167 403 154 7 134 194 193 47 375 1.851 35 160 137 1

6.500 571 1.634 7.790 4.030 23 205 110 495 901 1.355 394 3.563 260 511 193 10 209 275 215 57 456 2.318 64 210 184 1

6.793 586 1.640 7.881 4.068 23 215 92 505 909 1.493 416 3.026 265 506 201 25 203 278 222 58 460 2.383 72 203 176 1

6.856 585 1.644 7.996 4.110 23 218 92 508 922 1.531 439 2.662 267 525 195 25 206 285 228 57 469 2.385 75 197 179 1

6.972 597 1.666 8.066 4.161 23 217 114 513 935 1.529 440 2.688 268 511 193 23 206 287 229 56 487 2.408 78 198 181 1

7.117 596 1.673 8.123 4.261 22 218 110 519 947 1.538 444 2.686 269 520 194 24 213 295 231 57 488 2.247 83 202 183 2

7.144 599 1.699 8.207 4.335 23 218 110 528 951 1.567 454 2.632 273 535 202 24 213 289 245 60 495 2.488 84 209 183 1

7.241 609 1.719 8.339 4.413 23 230 109 539 944 1.623 460 2.714 268 525 206 24 237 305 252 60 495 2.467 91 198 185 1

27.741

32.533

32.703

32.681

33.046

33.259

33.765

34.278

2010 Ags 7.342 607 1.736 8.445 4.461 24 233 112 545 942 1.698 470 2.781 259 540 209 25 238 315 256 60 499 2.469 100 196 198 2 34.762

Sep 7.358 619 1.775 8.551 4.546 24 234 112 555 934 1.740 492 2.829 261 560 212 28 251 317 263 61 505 2.489 102 199 204 2 35.221

Okt

Nov

Des

Jan

Feb

7.547 631 1.802 8.794 4.657 23 239 113 571 957 1.814 508 2.880 257 569 214 27 255 324 265 62 512 2.523 104 198 204 2

7.610 643 1.828 8.955 4.708 25 244 117 570 931 1.890 521 2.985 267 577 226 29 254 322 265 63 519 2.622 107 217 208 2

7.798 708 1.848 9.190 4.739 25 244 121 580 1.025 1.970 520 3.037 250 577 233 28 254 338 267 65 535 2.663 109 210 215 2

7.852 722 1.871 9.214 4.806 25 253 99 598 1.012 2.007 526 3.123 252 549 226 27 239 341 271 65 535 2.734 113 216 212 2

7.980 748 1.885 9.306 4.842 25 268 99 598 1.009 2.061 560 3.227 265 571 215 40 254 351 281 64 527 2.776 116 216 207 2

36.055

36.704

37.554

37.891

38.494



Tabel 3.4 Jumlah BPR Berdasarkan Total Aset (Rural Banks Based on Total Assets) Total Aset (Total Assets) Total Aset BPR < 1 Miliar

Des Des Des Des

2009

2005 2006 2007 2008 Feb

Mar

Apr

Mei

Jun

Jul

2010 Ags

Sep

Okt

Nov

Des

Jan

Feb

147

111

85

56

53

51

49

46

52

53

53

54

52

51

46

48

42

1.010

835

651

536

520

519

499

491

481

463

471

467

442

440

429

428

418

Total Aset BPR 5 s.d 10 Miliar

491

479

527

511

507

509

510

505

504

513

497

505

486

490

479

461

450

Total Aset BPR > 10 Miliar

361

455

554

669

688

689

700

715

723

731

742

739

764

765

779

798

808

2.009

1.880

1.817

1.772

1.768

1.768

1.758

1.757

1.760

1.760

1.763

1.765

1.744

1.746

1.733

1.735

1.718

Total Aset BPR 1 s.d 5 Miliar

Total

109




Tabel 3.5 Non Performing Loan Bank Perkreditan Rakyat (NPL of Rural Bank) Kolektibilitas (Collectibility) Kredit (Credit) a. Lancar (Current) b. Kurang Lancar (Sub-Standard) c. Diragukan (Doubtful) d. Macet (Lost) Non Performing Loan (Nominal) Rasio Non Performing Loan (%)

Des Des Des Des

2009

2005 2006 2007 2008 Feb

Mar

Apr

Mei

Jun

Jul

2010 Ags

Sep

Okt

Nov

Des

Jan

Feb

14.654 16.948 20.540 25.472 25.888 25.336 25.571 25.916 26.388 26.770 27.289 27.436 27.638 27.983 28.001 28.332 28.903 13.485 15.299 18.901 22.956 23.216 23.437 23.626 23.962 24.415 24.74425.242 25.358 25.53025.878 26.068 26.281 26.816 404 473 407 1.039 545 543 558 540 551 522 522 554 552 560 457 547 593 494 482 319 342 377 362 353 355 356 351 360 366 369 359 335 339 346 271 694 913 1.135 1.750 995 1.033 1.058 1.066 1.153 1.165 1.157 1.187 1.186 1.140 1.165 1.148 1.169 7,98

1.649 9,73

1.639 7,98

2.516 9,88

2.672 10,32

1.900 7,50

1.944 7,60

1.954 7,54

1.972 7,48

2.026 7,57

2.047 7,50

2.077 7,57

2.108 7,63

2.105 7,52

1.932 6,90

2.051 7,24

2.087 7,22




Tabel 3.6 Non Performing Loan BPR Berdasarkan Lokasi (NPL of Rural Banks Based On Location) Des Des Des Des Lokasi (Location) Jawa Barat (Including Banten) DKI Jakarta (Special Capital Province of Jakarta) D.I Yogyakarta (Special Province of Yogyakarta) Jawa Tengah (Central Java) Jawa Timur (East Java) Bengkulu Jambi Nanggroe Aceh Darussalam Sumatera Utara (North Sumatra) Sumatera Barat (West Sumatra) Riau (Including Bangka Belitung) Sumatera Selatan (South Sumatra) Lampung Kalimantan Selatan (South Kalimantan) Kalimantan Barat (West Kalimantan) Kalimantan Timur (East Kalimantan) Kalimantan Tengah (Central Kalimantan) Sulawesi Tengah (Central Sulawesi) Sulawesi Selatan (South Sulawesi) Sulawesi Utara (including Gorontalo) Sulawesi Tenggara (Southeast Sulawesi) Nusa Tenggara Barat (West Nusa Tenggara) Bali Nusa Tenggara Timur (East Nusa Tenggara) Maluku Papua Maluku Utara (North Maluku) Total

2009

2005 2006 2007 2008 Feb

Mar

Apr

Mei

Jun

Jul

2010 Ags

Sep

Okt

Nov

Des

Jan

Feb

313 4 71 403 151 1 1 5 22 27 11 9 33 8 8 3 1 7 7 1 24 55 2 1 3 -

449 11 93 607 184 1 4 6 33 33 17 16 45 5 13 4 0 3 9 9 1 27 74 2 1 3 0

421 17 83 614 170 1 9 6 27 32 21 16 58 5 13 8 2 11 8 1 30 78 1 1 4 -

450 26 80 591 157 1 11 7 29 40 27 20 909 5 17 10 0 4 11 8 3 33 71 1 1 5 0

498 31 90 614 173 1 13 7 29 47 36 22 924 6 18 12 0 4 13 9 3 36 76 2 1 6 0

501 18 98 620 175 1 14 7 30 50 39 22 125 7 18 15 0 5 12 8 3 36 86 3 2 6 0

491 36 99 624 180 1 15 7 34 50 37 22 127 8 18 16 0 5 13 8 3 37 103 3 1 7 0

504 37 100 627 175 1 14 7 34 49 38 23 117 8 19 15 0 5 12 9 3 38 106 3 1 7 0

516 42 96 618 174 1 14 9 34 55 36 25 99 7 18 18 0 5 13 9 3 37 133 2 1 7 0

521 40 98 627 176 1 14 9 34 54 39 26 124 8 19 18 0 5 13 9 3 38 140 3 1 6 0

524 40 98 647 182 1 15 9 34 59 40 25 107 10 19 18 0 4 15 10 3 39 135 3 2 7 0

526 37 100 674 188 1 15 9 34 63 43 28 82 10 19 19 1 4 14 11 3 41 141 3 3 7 0

519 38 99 676 179 1 15 12 34 67 43 30 109 10 18 28 1 4 15 11 4 41 141 3 2 7 0

524 38 98 675 180 1 16 12 35 68 45 25 108 10 20 30 1 4 14 10 4 40 135 4 2 7 0

487 36 80 618 155 1 14 33 35 67 36 24 84 9 19 27 1 4 14 10 2 40 126 4 2 6 0

498 36 92 652 167 1 14 34 37 72 46 35 90 9 19 27 1 4 15 10 3 45 132 4 2 7 0

486 37 100 664 175 1 14 36 36 61 49 28 97 9 19 30 2 5 14 12 3 51 144 4 3 7 0

1.169

1.649

1.639

2.516

2.672

1.900

1.944

1.954

1.972

2.026

2.047

2.077

2.108

2.105

1.932

2.051

2.087

111




Tabel 3.7 Komposisi DPK Bank Perkreditan Rakyat (Composition of Third Party Funds of Rural Bank) Desember 2005

Jenis (Type)

Deposito (Time Deposits) Tabungan (Savings Deposits) Total DPK (Total Third Party Funds)

Nominal

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

9.421 3.757 13.178

Desember 2006

Nominal


71,48 28,51

11.190 4.581

100

15.771

Desember 2007

Nominal


70,95 29,05

12.701 6.018

100

18.719

Desember 2008

Nominal


67,85 32,15

14.204 7.135

100

21.339

Februari 2009

Nominal


66,56 33,44

14.806 7.111

100

21.917

Desember 2009

Februari 2010

Nominal


Nominal


67,56 32,44

17.280 8.272

67,63 32,37

18.163 8.457

68,23 31,77

100

25.552

100

26.620

100



Tabel 3.8 Komposisi DPK Berdasarkan Lokasi - Februari 2010 (Composition of Third Party Funds Based on Location - February 2010)

Lokasi (Location)

Tabungan (Saving Deposits)

Deposito (Demand Deposit)

Total DPK (Total of Third Party Funds)


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

113

Jawa Barat (Including Banten) DKI Jakarta (Special Capital Province of Jakarta) D.I Yogyakarta (Special Province of Yogyakarta) Jawa Tengah (Central Java) Jawa Timur (East Java) Bengkulu Jambi Nanggroe Aceh Darussalam Sumatera Utara (North Sumatra) Sumatera Barat (West Sumatra) Riau (Including Bangka Belitung) Sumatera Selatan (South Sumatra) Lampung Kalimantan Selatan (South Kalimantan) Kalimantan Barat (West Kalimantan) Kalimantan Timur (East Kalimantan) Kalimantan Tengah (Central Kalimantan) Sulawesi Tengah (Central Sulawesi) Sulawesi Selatan (South Sulawesi) Sulawesi Utara (including Gorontalo) Sulawesi Tenggara (Southeast Sulawesi) Nusa Tenggara Barat (West Nusa Tenggara) Bali Nusa Tenggara Timur (East Nusa Tenggara) Maluku Papua Maluku Utara (North Maluku)

1.330 73 414 2.699 976 8 35 44 191 413 387 166 338 52 179 60 12 26 76 59 26 152 654 35 22 31 0

4.336 374 913 3.908 2.065 8 170 19 249 291 1.212 252 1.797 128 290 77 13 83 123 138 27 165 1.258 44 97 126 1

5.665 448 1.327 6.608 3.041 16 205 63 440 704 1.599 418 2.136 180 468 137 25 109 199 197 53 317 1.912 78 119 156 1

21,28 1,68 4,99 24,82 11,42 0,06 0,77 0,24 1,65 2,65 6,01 1,57 8,02 0,68 1,76 0,51 0,09 0,41 0,75 0,74 0,20 1,19 7,18 0,29 0,45 0,59 0,00

Total

8.457

18.163

26.620

100




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

2009

2005 2006 2007 2008 Feb

Mar

Apr

Mei

Jun

Jul

2010 Ags

Sep

Okt

Nov

Des

Jan

Feb

Jawa Barat (Including Banten) DKI Jakarta (Special Capital Province of Jakarta) D.I Yogyakarta (Special Province of Yogyakarta) Jawa Tengah (Central Java) Jawa Timur (East Java) Bengkulu Jambi Nanggroe Aceh Darussalam Sumatera Utara (North Sumatra) Sumatera Barat (West Sumatra) Riau (Including Bangka Belitung) Sumatera Selatan (South Sumatra) Lampung Kalimantan Selatan (South Kalimantan) Kalimantan Barat (West Kalimantan) Kalimantan Timur (East Kalimantan) Kalimantan Tengah (Central Kalimantan) Sulawesi Tengah (Central Sulawesi) Sulawesi Selatan (South Sulawesi) Sulawesi Utara (including Gorontalo) Sulawesi Tenggara (Southeast Sulawesi) Nusa Tenggara Barat (West Nusa Tenggara) Bali Nusa Tenggara Timur (East Nusa Tenggara) Maluku Papua Maluku Utara (North Maluku)

3.017 143 712 3.446 1.740 7 34 23 242 270 329 97 1.663 56 138 49 1 39 44 73 16 139 787 7 50 56 -

3.209 218 805 4.041 2.077 9 101 26 273 330 547 156 2.045 65 247 64 2 40 72 104 28 172 949 9 64 119 -

3.579 288 1.043 4.712 2.349 11 161 34 307 475 777 258 2.287 97 319 89 6 54 122 135 42 209 1.179 17 71 95 -

4.343 305 1.142 5.395 2.476 15 146 57 357 580 1.015 308 2.140 144 399 114 6 93 130 152 50 260 1.455 38 100 119 0

4.652 297 1.175 5.484 2.516 15 158 41 367 594 1.123 323 2.023 159 406 121 13 82 137 156 50 263 1.515 42 89 116 1

4.723 298 1.184 5.620 2.549 16 163 41 372 609 1.174 337 1.504 164 420 123 13 80 146 161 48 270 1.527 44 89 117 1

4.855 313 1.195 5.737 2.620 15 163 60 378 617 1.173 339 1.491 152 410 122 13 81 144 163 48 286 1.553 48 89 120 1

4.960 318 1.195 5.765 2.671 15 164 59 382 625 1.180 342 1.501 149 422 125 13 96 151 165 48 282 1.422 51 106 126 1

4.963 326 1.213 5.786 2.703 15 164 58 391 627 1.199 354 1.537 160 430 124 13 90 146 169 49 288 1.615 52 112 124 1

5.023 341 1.235 5.891 2.763 15 174 58 403 629 1.249 363 1.632 141 418 134 13 109 164 176 50 286 1.648 57 100 126 1

5.120 344 1.236 5.915 2.770 16 177 58 405 617 1.323 369 1.731 162 440 135 14 108 170 177 49 288 1.660 66 98 140 1

5.134 359 1.248 5.982 2.853 15 178 59 413 607 1.362 385 1.773 135 456 138 15 114 175 181 50 295 1.667 68 94 144 1

5.267 363 1.271 6.198 2.896 15 182 59 422 641 1.418 389 1.830 164 463 139 14 101 180 182 51 301 1.689 69 92 144 1

5.313 370 1.283 6.287 2.912 16 187 60 418 636 1.474 395 1.867 161 466 142 15 99 178 181 52 303 1.759 70 107 147 1

5.454 420 1.290 6.449 2.964 17 186 37 426 715 1.506 386 1.945 154 470 152 15 99 186 181 55 319 1.803 71 99 152 1

5.535 433 1.316 6.521 3.022 16 196 63 441 714 1.555 395 2.048 166 452 146 13 86 190 187 54 320 1.876 76 104 154 1

5.665 448 1.327 6.608 3.041 16 205 63 440 704 1.599 418 2.136 180 468 137 25 109 199 197 53 317 1.912 78 119 156 1

Total

13.178

15.771

18.719

21.339

21.917

21.790

22.186

22.333

22.711

23.201

23.588

23.901

24.544

24.897

25.552

26.077

26.620



Persen (%)

Tabel 3.10 Suku Bunga Rata-rata DPK Bank Perkreditan Rakyat (Average of Third Party Interest Rates of Rural Banks) Kelompok Bank (Category of Bank)

Des Des Des Des

2009

2005 2006 2007 2008 Feb

2010

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

Deposito (Time Deposits)

-

-

-

12,43

12,47

12,26

12,07

11,83

11,65

11,44

11,26

11,07

10,96

10,85

10,81

10,64

10,60

Tabungan (Savings Deposits)

-

-

-

7,16

7,12

6,90

6,78

6,96

7,35

6,56

6,71

6,42

6,38

6,47

6,32

6,20

6,03

Ket. Data tersedia mulai Desember 2008 (Data available on December 2008)

115



Persen (%)

Tabel 3.11 Suku Bunga Rata-rata Kredit BPR Berdasarkan Sektor Ekonomi (Average of Credit Interest Rates of Rural Banks Based on Economic Sector) Sektor Ekonomi (Economic Sector) 1.

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

2. Perindustrian (Manufacturing) 3. Perdagangan, restoran dan hotel (Trade, restaurants and hotels) 4. Jasa sosial/masyarakat (Social Services) 5. Lain-lain (Others)

Des

Des

Des Des

2005 2006 2007 2008

2009 Feb

Mar

Apr

Mei

Jun

Jul

2010 Ags

Sep

Okt

Nov

Des

Jan

Feb

-

-

-

38,70

39,29

39,70

39,44

39,52

39,52

39,26

39,29

39,13

39,07

39,31

39,21

39,12

39,07

-

-

-

32,87

33,50

33,49

33,28

33,63

33,71

33,49

33,68

33,30

33,00

32,65

32,38

32,38

32,25

-

-

-

33,60

33,79

35,07

34,93

35,03

34,95

34,93

34,88

34,85

34,75

34,61

34,32

34,21

34,05

-

-

-

31,61

31,87

32,35

32,48

32,49

32,43

32,51

32,42

32,56

32,42

32,29

31,67

31,18

31,08

-

-

-

29,50

29,57

29,46

29,52

29,59

29,60

29,58

29,56

29,52

29,52

29,49

29,33

29,24

29,08




Persen (%)

Tabel 3.12 Suku Bunga Rata-rata Kredit BPR Berdasarkan Jenis Penggunaan (Average of Credit Interest Rates of Rural Banks Based on Type of Use) Jenis Penggunaan (Type of Use)

Des

Des

Des Des

2009

2005 2006 2007 2008 Feb

Mar

Apr

Mei

Jun

2010

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

Modal Kerja (Working Capital)

-

-

-

34,43

34,82

35,45

35,36

35,55

35,39

35,36

35,29

35,29

35,24

35,08

34,83

34,64

34,60

Investasi (Investment)

-

-

-

27,67

27,97

30,23

30,31

30,28

30,47

30,39

30,64

30,62

30,38

30,48

30,37

30,52

30,28

Konsumsi (Consumption)

-

-

-

29,57

29,55

29,45

29,51

29,50

29,57

29,54

29,57

29,45

29,38

29,45

29,14

29,01

28,81


117



Tabel 3.13 Perkembangan Jumlah Bank Perkreditan Rakyat (Growth of Total Rural Bank) Des Des Des Des Keterangan (Information) Jumlah BPR (Total Rural Banks) Jumlah Kantor (Total Bank Offices)

2009

2005 2006 2007 2008 Feb

2010

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

2.009

1.880

1.817

1.772

1.768

1.768

1.758

1.757

1.760

1.760 1.763

1.765

1.744 1.746

1.733

1.735

1.718

3.110

3.173

3.250

3.367

3.401

3.408

3.417

3.422

3.430

3.435 3.446

3.454

3.465 3.617

3.644

3.663

3.671



Tabel 3.14 Perkembangan Jumlah BPR dan Kantor BPR Berdasarkan Lokasi (Growth of Total Rural Bank and Rural Bank Offices Based on Location) (Februari 2010) Nama Lokasi (Name of Location) Jawa Barat (Including Banten) DKI Jakarta (Special Capital Province of Jakarta) D.I Yogyakarta (Special Province of Yogyakarta) Jawa Tengah (Central Java) Jawa Timur (East Java) Bengkulu Jambi Nanggroe Aceh Darussalam Sumatera Utara (North Sumatra) Sumatera Barat (West Sumatra) Riau (Including Bangka Belitung) Sumatera Selatan (South Sumatra) Lampung Kalimantan Selatan (South Kalimantan) Kalimantan Barat (West Kalimantan) Kalimantan Timur (East Kalimantan) Kalimantan Tengah (Central Kalimantan) Sulawesi Tengah (Central Sulawesi) Sulawesi Selatan (South Sulawesi) Sulawesi Utara (including Gorontalo) Sulawesi Tenggara (Southeast Sulawesi) Nusa Tenggara Barat (West Nusa Tenggara) Bali Nusa Tenggara Timur (East Nusa Tenggara) Maluku Papua Maluku Utara (North Maluku)

119

Jumlah

BPR (Rural Bank) KP

KC

KPK

Total

458 27 54 263 336 3 11 5 52 105 57 17 23 22 16 13 2 9 23 17 6 42 139 9 2 6 1

176 6 15 429 144 3 4 11 21 23 11 6 24 3 3 3 6 2 18 3 33 20 1 4 5 -

144 6 107 235 349 4 3 1 3 15 8 6 4 1 4 5 5 1 10 2 6 57 1 1 1 -

778 39 176 927 829 10 18 17 76 143 76 29 51 26 23 21 2 20 26 45 11 81 216 11 7 12 1

1.718

974

979

3.671

DATA PERKREDITAN




Tabel 4.1 Kredit Bank Umum Berdasarkan Sektor Ekonomi (Credit of Commercial Banks Based on Economic Sector) Sektor Ekonomi (Economic Sector)

Des

Des

Des

Des

2005 2006 2007 2008

2009 Feb

Mar

Apr

Mei

Jun

Jul

2010 Ags

Sep

Okt

Nov

Des

Jan

Feb


37.178

45.180

56.901

67.202

67.777

69.758

70.901

74.174

77.243

75.624

74.675

74.126

75.132

76.657

77.412

63.199

65.604

8.127

14.086

26.212

32.215

28.999

30.433

29.079

26.383

28.381

29.532

34.560

33.364

33.683

34.294

42.894

39.667

40.799

171.288

184.023

205.610

271.187

273.726

266.412

254.392

248.284

248.620

244.598

246.352

240.778

239.101

243.799

247.440

238.855

241.991

5.367

7.224

7.920

18.475

19.963

19.669

20.069

21.553

21.879

23.490

24.229

23.522

23.723

23.524

24.560

26.885

24.499

26.986

33.088

44.088

58.753

58.146

58.863

58.849

59.920

62.195

62.207

62.898

63.549

64.599

65.147

64.225

52.277

53.072

135.837

163.443

216.874

259.632

254.569

261.363

264.563

269.481

277.509

273.679

280.324

283.686

285.986

290.402

301.382

223.586

235.575

6. Perdagangan, restoran dan hotel (Trade, restaurants and hotels) 7. Pengangkutan, pergudangan dan komunikasi 19.829

27.068

36.807

62.579

62.732

61.844

60.575

61.173

64.195

68.893

69.886

71.689

71.191

72.488

73.213

79.841

74.251

8. Jasa Dunia usaha (Business Services)

72.628

78.455

109.748

152.302

148.734

147.356

143.147

141.622

144.715

143.035

145.094

145.967

147.397

146.103

150.843

124.928

132.661

9. Jasa sosial/masyarakat (Social Services)

10.029

12.040

13.882

15.747

15.740

15.668

15.904

15.830

16.158

16.255

16.152

15.748

15.680

16.115

17.038

26.892

27.812

208.378

227.690

283.970

369.596

371.459

374.022

380.156

386.956

394.145

400.802

411.771

413.647

421.068

429.049

438.923

529.510

532.521

695.648

792.297 1.002.012 1.307.688 1.301.844 1.305.389 1.297.635 1.305.377 1.335.041 1.338.116 1.365.942 1.366.076 1.377.561 1.397.578 1.437.930 1.405.640 1.428.788


10. Lain-lain (Others) Total




Tabel 4.2 Kredit Bank Persero Berdasarkan Sektor Ekonomi (Credit of State Owned Banks Based on Economic Sector) Sektor Ekonomi (Economic Sector)

Des

Des

Des

Des

2005 2006 2007 2008

2009 Feb

Mar

Apr

Mei

Jun

Jul

2010 Ags

Sep

Okt

Nov

Des

Jan

Feb


22.407

25.993

31.275

38.451

38.961

40.872

42.845

45.180

47.928

46.199

46.169

45.727

46.463

46.841

47.095

34.845

36.447

3.364

4.961

11.288

15.473

13.639

15.052

14.440

11.608

13.370

13.719

15.839

15.644

15.887

15.535

18.124

15.440

17.013

67.369

72.736

74.594

98.878

103.044

100.799

98.823

98.530

101.530

98.554

98.567

94.271

92.967

94.566

94.201

92.009

89.997

3.880

5.221

4.762

12.702

13.629

13.489

13.700

14.641

14.741

14.974

15.246

14.501

14.556

14.965

15.175

15.235

14.481

12.572

13.966

17.325

23.178

23.003

23.755

23.589

24.053

25.053

24.518

24.909

25.212

25.504

25.328

25.792

17.688

18.669

51.530

62.439

86.775

103.680

102.098

105.952

108.050

109.924

115.489

115.994

118.093

120.889

122.212

125.416

131.454

65.761

66.585

6. Perdagangan, restoran dan hotel (Trade, restaurants and hotels) 7. Pengangkutan, pergudangan dan komunikasi (Transport, cargo storage and communications) 8. Jasa Dunia usaha (Business Services) 9. Jasa sosial/masyarakat (Social Services) 10. Lain-lain (Others) Total

5.890

8.113

13.857

22.880

22.475

22.454

22.152

22.715

24.614

27.443

28.173

28.840

28.980

29.106

28.517

34.473

28.549

12.572

12.604

16.340

25.356

24.155

25.173

24.937

23.734

25.114

23.854

23.893

22.468

23.335

22.691

23.227

25.751

29.706

3.219

4.429

4.371

3.345

3.271

3.206

3.246

3.350

3.472

3.385

3.448

3.492

3.435

3.464

3.772

4.116

4.338

73.611

77.450

95.564

126.723

127.216

129.844

132.700

137.428

140.573

144.086

149.538

147.069

150.744

153.337

157.513

224.581

230.685

256.413

287.910

356.151

470.665

471.491

480.597

484.482

491.163

511.883

512.725

523.875

518.113

524.081

531.249

544.870 529.897

536.471

123




Tabel 4.3 Kredit BUSN Devisa Berdasarkan Sektor Ekonomi (Credit of Foreign Exchange Commercial Banks Based on Economic Sector) Sektor Ekonomi (Economic Sector)

Des

Des

Des

Des

2005 2006 2007 2008

2009 Feb

Mar

Apr

Mei

2010

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb


8.713

11.156

15.212

19.032

18.725

17.965

17.606

18.566

18.672

18.710

18.162

18.183

18.221

18.847

20.229

18.972

19.915

3.232

6.421

10.612

11.069

9.094

8.555

8.239

8.813

9.231

8.886

10.533

10.371

10.565

11.354

14.403

13.877

13.330

53.980

60.322

72.330

95.520

92.408

87.885

84.050

79.841

79.758

79.274

80.014

81.743

80.773

82.876

87.315

84.284

88.009

1.291

1.787

2.770

5.140

5.606

5.624

5.670

5.850

6.078

6.106

6.249

6.385

6.472

6.815

7.449

8.079

8.120

10.175

12.322

18.167

23.303

23.570

23.359

22.951

23.297

23.731

23.276

23.151

23.665

23.596

24.317

25.640

21.721

21.976

67.870

81.018

103.927

125.572

118.738

120.191

121.591

123.122

126.376

121.842

124.828

125.755

125.704

127.382

131.868

119.680

128.536

11.027

13.028

17.429

26.323

26.174

25.857

25.495

25.940

26.936

28.594

28.519

28.929

28.620

29.488

31.269

31.804

32.386

37.061

42.303

59.648

79.004

76.887

75.024

73.753

73.395

74.287

73.838

74.916

76.145

76.014

78.036

80.482

56.741

59.072

4.687

5.182

6.487

7.564

7.528

7.406

7.487

7.476

7.656

7.501

7.583

7.620

7.550

7.719

7.912

15.876

16.148

79.555

81.717

101.159

131.768

130.665

130.260

131.317

131.246

132.636

133.923

136.885

139.650

141.950

145.186

149.051

169.704

164.701

277.591

315.256

407.742

524.295

509.396

502.127

498.159

497.546

505.360

501.951

510.840

518.445

519.464

532.020

555.617 540.737

552.192





Tabel 4.4 Kredit BUSN Non Devisa Berdasarkan Sektor Ekonomi (Credit of Non-Foreign Exchange Commercial Banks Based on Economic Sector) Sektor Ekonomi (Economic Sector)

Des

Des

Des

Des

2005 2006 2007 2008

2009 Feb

Mar

Apr

Mei

Jun

Jul

2010 Ags

Sep

Okt

Nov

Des

Jan

Feb


829

274

323

153

245

241

239

250

274

282

288

371

385

374

374

332

239

35

39

75

161

181

195

241

241

244

272

282

271

268

277

340

300

267

1.217

1.215

1.529

1.618

1.703

1.671

1.622

1.615

1.901

2.018

1.999

1.936

1.917

2.001

2.208

2.017

2.022

4

4

6

11

11

11

11

11

25

43

47

47

52

54

54

48

52

247

307

422

442

400

399

418

404

421

519

565

593

614

642

713

947

691

3.229

4.647

4.826

5.083

5.671

4.260

4.434

4.708

4.966

5.293

5.598

5.649

5.963

6.224

6.547

6.347

6.133

633

617

690

817

788

724

719

710

804

1.111

1.187

1.140

1.247

1.372

1.506

1.092

919

2.092

1.921

2.335

2.540

2.629

2.650

2.720

2.895

2.878

3.144

3.345

3.486

3.740

3.682

3.938

4.803

5.971

531

659

929

1.382

1.375

1.371

1.390

1.471

1.544

1.688

1.717

1.847

1.747

2.002

1.917

783

750

8.025

9.430

12.728

14.915

15.369

14.739

14.888

15.004

15.266

15.699

16.277

16.576

17.124

17.537

18.103

18.433

19.186

16.842

19.114

23.863

27.122

28.374

26.261

26.683

27.308

28.323

30.069

31.306

31.917

33.057

34.165

35.700

35.104

36.231


125




Tabel 4.5 Kredit BPD Berdasarkan Sektor Ekonomi (Credit of Regional Development Banks Based on Economic Sector) Sektor Ekonomi (Economic Sector)

Des

Des

Des

Des

2005 2006 2007 2008

2009 Feb

Mar

Apr

Mei

Jun

Jul

2010 Ags

Sep

Okt

Nov

Des

Jan

Feb


1.640

2.030

2.275

3.182

3.123

3.143

3.148

3.197

3.292

3.283

3.532

3.751

3.781

3.927

3.721

3.531

3.420

56

58

43

270

300

312

364

384

388

475

490

615

620

670

675

643

642

421

462

631

815

836

829

914

945

943

964

1.071

1.082

1.128

1.112

1.146

1.827

1.848

11

11

29

213

261

258

386

447

450

451

729

724

799

809

787

869

901

2.503

3.790

5.140

6.458

5.713

6.099

6.640

7.141

8.017

8.597

9.470

9.831

10.370

10.263

7.704

7.465

7.459

7.539

8.242

9.619

12.060

12.315

12.644

13.028

13.502

14.015

14.221

14.513

14.908

15.093

15.231

15.280

13.819

15.755


375

400

463

1.655

1.742

1.741

1.782

1.794

1.791

1.812

1.808

1.832

1.873

1.857

1.887

1.851

1.838

1.774

1.802

2.198

3.401

3.464

3.564

3.714

3.793

3.989

4.292

4.485

4.657

4.859

4.999

5.264

2.612

2.756

925

862

967

1.528

1.571

1.536

1.754

1.554

1.535

1.765

1.782

1.828

1.744

1.708

1.951

4.298

4.261

29.686

38.299

50.515

66.803

69.118

70.753

72.220

74.567

76.637

77.938

79.516

80.440

81.607

82.685

82.340

83.455

83.482

44.931

55.955

71.881

96.385

98.443

100.880

103.949

107.325

111.057

113.797

117.396

119.667

121.874

123.260

120.754 120.372

122.361




Tabel 4.6 Kredit Bank Campuran Berdasarkan Sektor Ekonomi (Credit of Joint Venture Banks Based on Economic Sector) Sektor Ekonomi (Economic Sector)

Des

Des

Des

Des

2005 2006 2007 2008

2009 Feb

Mar

Apr

Mei

Jun

Jul

2010 Ags

Sep

Okt

Nov

Des

Jan

Feb


1.908

2.331

4.597

4.018

4.079

4.631

4.348

4.337

4.567

4.632

4.225

4.057

4.413

4.755

4.143

4.015

4.036

477

755

1.753

2.196

2.485

2.809

2.581

2.365

2.486

2.453

3.057

2.947

2.977

3.234

3.899

3.090

2.988

18.989

17.451

23.774

30.568

31.647

34.269

32.208

31.155

29.992

29.085

29.678

28.425

29.301

29.630

29.258

28.695

28.961

56

186

313

256

350

220

243

233

216

210

213

192

191

288

286

299

298

954

1.520

1.167

1.487

1.906

1.992

1.806

1.712

1.682

1.618

1.674

1.599

1.702

1.824

1.900

2.351

2.164

3.631

4.467

6.691

7.108

7.602

10.493

10.332

10.802

9.767

9.745

10.287

9.874

10.062

9.118

9.808

10.189

10.400

1.043

2.588

2.330

5.147

5.236

5.678

5.391

5.336

5.250

5.248

5.375

6.354

6.544

7.127

6.815

7.691

7.677

6.989

7.823

13.516

18.200

17.322

17.815

16.443

16.530

16.960

16.702

17.061

17.595

18.012

15.976

16.329

14.745

14.589

376

396

461

602

649

813

766

744

732

713

702

603

776

920

973

1.088

1.312

2.513

3.315

3.917

6.267

6.343

6.750

7.002

7.036

7.108

7.127

7.235

7.285

7.310

7.433

7.565

7.751

7.822

36.937

40.833

58.520

75.849

77.618

85.471

81.120

80.250

78.761

77.534

79.506

78.930

81.288

80.303

80.977

79.913

80.247


127




Tabel 4.7 Kredit Bank Asing Berdasarkan Sektor Ekonomi (Credit of Foreign Owned Banks Based on Economic Sector) Sektor Ekonomi (Economic Sector)

Des

Des

Des

Des

2005 2006 2007 2008

2009 Feb

Mar

Apr

Mei

Jun

Jul

2010 Ags

Sep

Okt

Nov

Des

Jan

Feb

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

1.681

3.397

3.220

2.366

2.643

2.906

2.714

2.645

2.510

2.518

2.298

2.037

1.870

1.914

1.850

1.504

1.548

963

1.852

2.440

3.047

3.300

3.509

3.213

2.972

2.662

3.728

4.360

3.516

3.367

3.224

5.453

6.317

6.560

29.311

31.837

32.753

43.788

44.088

40.959

36.775

36.198

34.495

34.702

35.024

33.322

33.015

33.614

33.312

30.023

31.153


125

15

40

153

105

67

60

371

368

1.706

1.744

1.673

1.654

593

809

2.356

647


536

1.183

1.866

3.885

3.554

3.259

3.446

3.312

3.292

3.680

3.128

2.650

2.812

2.774

2.478

2.105

2.113

2.038

2.631

5.035

6.130

8.146

7.821

7.128

7.423

6.897

6.584

7.005

6.611

6.952

7.032

6.426

7.789

8.167

2. Pertambangan (Mining) 3. Perindustrian (Manufacturing)


862

2.322

2.039

5.756

6.316

5.391

5.035

4.679

4.799

4.686

4.824

4.594

3.928

3.537

3.218

2.930

2.883

12.139

12.002

15.711

23.801

24.277

23.129

21.581

21.276

21.488

21.204

21.394

21.617

21.438

20.719

21.603

20.277

20.568

291

512

666

1.326

1.347

1.335

1.260

1.235

1.220

1.204

920

358

427

302

512

730

1.003

14.989

17.479

20.086

23.120

22.748

21.676

22.029

21.674

21.925

22.029

22.320

22.627

22.333

22.871

24.351

25.586

26.644

62.935

73.230

83.856

113.372

116.522

110.054

103.240

101.785

99.657

102.040

103.018

99.005

97.796

96.581

100.011

99.617

101.286




Tabel 4.8 Kredit Bank Umum Berdasarkan Sektor Ekonomi per Wilayah (Februari 2010) (Credit of Commercial Banks Based on Economic Sector by Region) Wilayah

Pertanian

Pertambangan Perindustrian

Listrik, Gas dan Air

Pengangkutan, Perdagangan, Konstruksi Restoran dan Pergudangan dan Hotel Komunikasi

Jasa Dunia Usaha

Jasa Sosial/ Masyarakat

Lainnya

Jawa Barat (West Java) Banten DKI Jakarta (Special Capital Province of Jakarta) D.I Yogyakarta (Special Province of Yogyakarta) Jawa Tengah (Central Java) Jawa Timur (East Java) Bengkulu Jambi Nanggroe Aceh Darussalam Sumatera Utara (North Sumatra) Sumatera Barat (West Sumatra) Riau Kepulauan Riau Sumatera Selatan (South Sumatra) Bangka Belitung Lampung Kalimantan Selatan (South Kalimantan) Kalimantan Barat (West Kalimantan) Kalimantan Timur (East Kalimantan) Kalimantan Tengah (Central Kalimantan) Sulawesi Tengah (Central Sulawesi) Sulawesi Selatan (South Sulawesi) Sulawesi Utara (North Sulawesi) Sulawesi Tenggara (Southeast Sulawesi) Sulawesi Barat (West Sulawesi) Gorontalo Nusa Tenggara Barat (West Nusa Tenggara) Bali Nusa Tenggara Timur (East Nusa Tenggara) Maluku Papua Maluku Utara (North Maluku) Irian Jaya Barat Lainnya (Others)

1.443 33 32.158 168 967 2.919 188 657 104 9.856 1.522 3.786 2.609 402 27 2.073 1.595 1.009 771 1.223 85 253 127 30 38 79 45 385 30 27 30 4 9 949

287 53 36.779 7 109 465 65 27 28 38 69 151 30 49 151 40 401 19 1.229 24 42 36 31 0 0 25 11 5 3 2 9 0 3 599

17.839 2.461 135.709 695 15.840 35.898 125 409 942 16.713 1.113 1.621 1.425 1.903 209 1.677 646 423 1.063 182 173 1.803 246 5 18 45 58 617 21 19 159 10 39 1.841

161 17 22.451 31 61 468 12 27 6 454 1 45 6 60 0 12 40 80 158 2 6 32 7 0 0 1 13 7 5 9 326

2.938 970 29.930 150 1.001 3.515 118 218 319 2.074 194 695 1.366 970 150 349 493 314 2.735 138 148 1.490 473 7 66 691 100 433 93 164 372 104 259 -

19.619 3.411 85.146 2.192 20.454 29.389 870 1.921 2.195 14.280 4.364 4.617 4.347 2.021 468 4.275 2.426 2.507 4.652 686 1.991 7.715 2.174 179 685 919 1.561 5.979 997 485 1.328 345 535 761

6.302 126 55.781 110 988 3.318 35 129 27 1.487 309 632 297 370 22 361 706 466 1.409 25 110 630 60 1 7 33 42 131 46 19 39 14 78 136

5.686 1.876 99.274 721 3.104 5.496 193 326 218 2.451 733 1.568 1.196 583 48 437 881 515 2.352 117 80 1.482 538 18 20 153 190 848 47 44 105 37 109 1.194

2.620 747 13.924 219 909 2.331 81 124 141 943 156 541 208 139 28 175 157 138 855 30 53 1.111 84 276 66 36 45 623 33 50 427 23 11 486

58.932 21.571 185.216 5.997 39.832 44.343 3.105 5.283 8.693 23.599 7.478 10.620 10.634 5.372 1.414 6.793 6.359 5.912 10.121 3.317 4.597 17.573 6.914 1.261 1.880 2.837 5.470 10.600 5.439 2.209 3.756 1.188 1.267 2.591

Total

65.604

40.787

241.949

24.499

53.038

235.497

74.247

132.640

27.788

532.174

129




Tabel 4.9 Kredit Bank Umum Berdasarkan Jenis Penggunaan (Credit of Commercial Banks Based on Type of Use) Jenis Penggunaan (Type of Use)

Des

Des

Des Des

2005 2006 2007 2008

2009 Feb

Mar

Apr

Mei

Jun

Jul

2010 Ags

Sep

Okt

Nov

Des

Jan

Feb

Total Modal Kerja (Total Working Capital) Total Investasi (Total Investments)

354.557

414.749

533.240

684.672

669.291

671.611

659.143

658.139

674.211

665.285

677.147

676.099

677.219

683.592

703.002

632.386

633.769

134.400

151.209

186.218

255.900

263.344

262.091

260.578

262.461

268.981

274.331

280.340

278.506

281.278

286.905

297.939

289.897

301.162


206.691

226.339

282.553

367.117

369.209

371.688

377.914

384.777

391.849

398.500

408.455

411.470

419.064

427.080

436.989

483.357

493.857




Tabel 4.10 Kredit Bank Persero Berdasarkan Jenis Penggunaan (Credit of State Owned Banks Based on Type of Use) Jenis Penggunaan (Type of Use) Total Modal Kerja (Total Working Capital) Total Investasi (Total Investments) Total Konsumsi (Total Consumption)

Des

Des

Des Des

2005 2006 2007 2008

2009 Feb

Mar

Apr

Mei

Jun

Jul

2010 Ags

Sep

Okt

Nov

Des

Jan

Feb

122.724

148.675

188.052

249.782

246.006

251.179

251.543

251.958

265.779

260.018

263.250

261.284

261.359

264.731

269.867

222.299

221.720

61.413

62.928

73.733

96.237

100.096

101.481

102.065

103.542

107.406

110.501

113.979

111.507

113.552

114.726

118.994

118.607

119.829

72.276

76.307

94.366

124.646

125.389

127.937

130.875

135.663

138.699

142.205

146.646

145.322

149.170

151.791

156.009

188.991

194.922

131




Tabel 4.11 Kredit BUSN Devisa Berdasarkan Jenis Penggunaan (Credit of Foreign Exchange Commercial Banks Based on Type of Use) Jenis Penggunaan (Type of Use) Total Modal Kerja (Total Working Capital) Total Investasi (Total Investments) Total Konsumsi (Total Consumption)

Des

Des

Des Des

2005 2006 2007 2008

2009 Feb

Mar

Apr

Mei

Jun

Jul

2010 Ags

Sep

Okt

Nov

Des

Jan

Feb

140.508

165.997

218.715

277.345

262.808

258.782

254.069

253.763

257.927

251.877

257.448

261.521

259.558

266.514

282.916

256.234

261.023

57.821

67.699

88.028

115.543

116.303

113.476

113.156

112.917

115.176

116.523

116.875

117.637

118.312

120.667

123.993

124.372

128.093

79.262

81.561

101.000

131.406

130.285

129.869

130.934

130.866

132.257

133.551

136.517

139.287

141.594

144.838

148.709

160.131

163.076




Tabel 4.12 Kredit BUSN Non Devisa Berdasarkan Jenis Penggunaan (Credit of Non-Foreign Exchange Commercial Banks Based on Type of Use) Jenis Penggunaan (Type of Use)

Des

Des

Des Des

2005 2006 2007 2008

2009 Feb

Mar

Apr

Mei

Jun

Jul

2010 Ags

Sep

Okt

Nov

Des

Jan

Feb


6.693

7.861

8.952

9.609

10.103

8.613

8.839

9.220

9.593

10.309

10.751

10.884

11.210

11.543

12.113

11.543

11.509

2.142

1.836

2.208

2.609

2.917

2.918

2.976

3.104

3.495

4.097

4.320

4.508

4.778

5.145

5.549

5.283

5.942


8.007

9.417

12.704

14.904

15.354

14.730

14.869

14.985

15.235

15.664

16.235

16.524

17.069

17.476

18.037

18.278

18.780

133




Tabel 4.13 Kredit BPD Berdasarkan Jenis Penggunaan (Credit of Regional Development Banks Based on Type of Use) Jenis Penggunaan (Type of Use)

Des

Des

Des Des

2005 2006 2007 2008

2009 Feb

Mar

Apr

Mei

Jun

Jul

2010 Ags

Sep

Okt

Nov

Des

Jan

Feb


11.249

13.120

15.709

20.717

20.503

21.013

21.965

22.606

23.886

24.895

26.154

26.927

27.599

27.678

25.268

23.325

24.874

4.036

4.574

5.690

8.896

8.850

9.142

9.779

10.166

10.546

10.978

11.741

12.315

12.687

12.911

13.169

13.674

14.086


29.645

38.261

50.481

66.773

69.090

70.725

72.205

74.553

76.624

77.924

79.501

80.425

81.588

82.671

82.317

83.373

83.401




Tabel 4.14 Kredit Bank Campuran Berdasarkan Jenis Penggunaan (Credit of Joint Venture Banks Based on Type of Use) Jenis Penggunaan (Type of Use) Total Modal Kerja (Total Working Capital) Total Investasi (Total Investments) Total Konsumsi (Total Consumption)

Des

Des

Des Des

2005 2006 2007 2008

2009 Feb

Mar

Apr

Mei

Jun

Jul

2010 Ags

Sep

Okt

Nov

Des

Jan

Feb

28.592

29.882

44.477

50.449

50.634

57.334

53.836

53.117

51.759

50.785

51.926

51.014

53.241

51.792

51.867

50.492

50.971

5.832

7.636

10.126

19.133

20.642

21.387

20.282

20.097

19.893

19.621

20.346

20.631

20.737

21.079

21.544

21.872

21.647

2.513

3.315

3.917

6.267

6.343

6.750

7.002

7.036

7.108

7.127

7.235

7.285

7.310

7.433

7.565

7.550

7.629

135




Tabel 4.15 Kredit Bank Asing Berdasarkan Jenis Penggunaan (Credit of Foreign Owned Banks Based on Type of Use) Jenis Penggunaan (Type of Use) Total Modal Kerja (Total Working Capital) Total Investasi (Total Investments) Total Konsumsi (Total Consumption)

Des

Des

Des Des

2005 2006 2007 2008

2009 Feb

Mar

Apr

Mei

Jun

Jul

2010 Ags

Sep

Okt

Nov

Des

Jan

Feb

44.791

49.214

57.336

76.771

79.238

74.689

68.891

67.476

65.267

67.400

67.618

64.470

64.252

61.333

60.971

68.493

63.673

3.156

6.536

6.434

13.481

14.537

13.688

12.320

12.635

12.464

12.611

13.081

11.908

11.212

12.377

14.690

6.089

11.565

14.989

17.479

20.086

23.120

23.176

22.748

21.676

22.029

21.674

21.925

22.029

22.320

22.627

22.333

22.871

24.351

26.048




Tabel 4.16 Kredit Bank Umum Berdasarkan Jenis Penggunaan per Wilayah (Februari 2010) (Credit of Commercial Banks Based on Type of Use by Region) Wilayah

Modal Kerja

Investasi

Konsumsi


46.245 8.191 332.883 3.369 39.195 72.149 1.454 2.855 3.772 32.862 6.097 7.767 7.893 4.039 1.066 7.142 4.120 3.260 9.223 1.152 2.565 11.154 3.163 556 832 1.809 1.791 7.001 1.465 707 2.199 496 953 4.183

13.993 2.330 186.070 1.387 8.538 18.302 497 1.613 1.044 17.731 3.085 6.778 4.477 2.532 223 2.987 3.684 2.554 6.810 1.487 521 5.041 1.028 199 177 455 540 3.355 270 218 621 155 299 2.108

55.590 20.745 177.417 5.533 35.533 37.693 2.843 4.653 7.858 21.303 6.760 9.730 9.745 5.299 1.230 6.063 5.900 5.569 9.313 3.105 4.200 15.929 6.463 1.023 1.770 2.553 5.193 9.279 4.981 2.098 3.416 1.073 1.059 2.591

Total

633.609

301.105

493.510

137




Tabel 4.17 Kredit Bank Umum Berdasarkan Lokasi Bank Penyalur (Credit of Commercial Bank Based on Location of Banks) Des Lokasi (Location)

Des

Des Des

2009

2005 2006 2007 2008 Feb 77.007 20.754 507.496 7.843 56.736 92.270 2.956 5.641 6.606 53.439 11.247 15.787 13.566 8.136 1.474 11.657 9.020 6.830 15.731 3.293 4.600 21.478 6.650 998 1.515 2.783 4.747 12.592 4.202 1.427 3.536 837 1.196 7.959

97.419 28.254 674.870 9.138 72.972 115.892 4.232 7.593 9.334 65.643 13.553 20.304 17.524 10.605 2.359 14.737 11.803 9.182 20.474 4.319 5.936 27.205 9.048 1.693 2.065 3.788 5.976 16.298 5.404 2.168 4.905 1.246 1.786 9.964

96.884 30.041 670.748 9.169 71.783 114.220 4.231 7.573 9.195 65.291 13.419 20.347 17.245 10.604 2.279 15.251 11.727 9.103 20.464 4.422 5.775 27.032 9.041 1.336 2.106 3.839 6.018 16.456 5.339 2.216 4.779 1.322 1.677 10.912

Mar

Apr

Mei

Jun

Jul

98.088 30.391 665.408 9.300 73.103 115.704 4.360 7.748 9.574 64.711 13.663 20.684 17.894 10.474 2.456 15.118 12.260 9.380 21.019 4.532 6.000 27.587 9.216 1.443 2.158 3.941 6.245 16.747 5.524 2.321 5.004 1.362 1.724 10.248

98.531 31.251 653.763 9.384 72.904 115.157 4.480 7.900 9.849 64.659 13.955 21.088 18.230 10.337 2.630 15.592 12.391 9.563 21.338 4.655 6.137 27.941 9.290 1.446 2.218 4.020 6.381 16.954 5.643 2.371 5.100 1.407 1.769 9.300

99.753 27.818 658.475 9.326 73.235 116.368 4.616 8.083 10.169 63.670 14.324 21.449 18.633 10.428 2.596 16.083 12.522 9.871 21.566 4.854 6.294 28.503 9.463 1.502 2.278 4.078 6.488 17.158 5.818 2.458 5.267 1.452 1.828 8.953

104.751 29.391 666.946 9.584 75.610 118.692 4.789 8.392 10.593 66.057 14.921 22.172 19.367 10.666 2.676 15.123 12.952 10.112 22.261 5.104 6.570 29.308 9.761 1.563 2.370 4.228 6.657 17.577 6.059 2.586 5.607 1.507 1.972 9.116

105.496 29.063 665.829 9.457 75.794 119.594 4.861 8.599 10.854 66.626 14.884 22.395 19.455 11.054 2.611 15.211 12.944 10.084 22.433 5.171 6.654 29.350 9.827 1.606 2.411 4.275 6.782 17.658 6.182 2.616 5.833 1.554 2.030 8.924

2010 Ags 107.303 28.582 680.693 9.575 77.570 121.315 4.954 8.810 11.284 68.732 15.039 23.004 19.918 11.224 2.711 15.357 13.119 10.353 23.138 5.277 6.827 30.009 10.059 1.627 2.473 4.369 6.920 18.022 6.368 2.716 5.981 1.593 1.972 9.048

Sep 108.479 29.149 672.416 9.767 79.207 123.846 4.814 8.869 11.515 68.285 15.072 23.258 20.272 11.395 2.815 15.604 13.293 10.595 23.510 5.382 6.946 30.334 10.144 1.639 2.546 4.459 6.981 18.314 6.412 2.822 6.091 1.552 2.100 8.193

Okt 109.705 29.166 675.188 9.852 80.162 125.476 4.876 9.001 11.928 68.827 14.878 23.565 20.696 11.530 2.871 15.640 13.374 10.931 24.040 5.467 7.021 30.707 10.304 1.662 2.574 4.553 7.114 18.624 6.624 2.881 6.226 1.633 2.182 8.281

Nov 110.769 30.216 685.860 9.967 80.651 125.646 4.854 9.104 12.243 70.867 15.300 23.900 21.390 11.605 2.512 15.988 13.519 11.069 24.498 5.559 7.137 31.064 10.471 1.685 2.624 4.633 7.204 18.880 6.703 2.936 6.294 1.660 2.216 8.556

Des

Jan

Feb

113.367 31.399 709.804 10.162 82.752 128.479 4.747 9.117 12.496 72.315 15.787 24.186 21.987 11.890 2.658 16.089 13.745 11.461 24.976 5.689 7.255 32.760 10.630 1.711 2.670 4.725 7.272 19.498 6.663 2.980 6.352 1.665 2.398 8.242

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

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


54.179 63.398 13.645 17.957 355.076 396.230 5.723 6.487 42.105 47.801 67.082 74.028 1.648 2.086 3.592 4.347 3.396 4.610 34.047 40.784 7.614 8.838 17.655 20.454 9.072 10.617 968 1.635 6.242 7.919 5.765 6.899 4.836 5.448 11.093 12.458 2.130 2.576 3.036 3.588 15.019 17.734 4.054 5.133 1.581 1.993 952 1.126 3.091 3.677 9.549 10.606 2.580 3.196 833 1.064 2.502 3.420 440 648 6.143 5.541

Total

695.648 792.297 1.002.012 1.307.688 1.301.844 1.305.389 1.297.635 1.305.377 1.335.041 1.338.116 1.365.942 1.366.076 1.377.561 1.397.578 1.437.930 1.405.640 1.428.224




Tabel 4.18 Kredit Bank Umum Berdasarkan Hubungan Dengan Bank (Credit of Commercial Banks Based on Bank Relationship) Des Indikator (Indicators) Kredit Kepada Pihak Tidak Terkait

Des Des

Des

2005 2006 2007 2008

2009 Feb

Mar

Apr

Mei

Jun

Jul

2010 Ags

Sep

Okt

Nov

Des

Jan

Feb

681.214

779.716

987.064 1.298.182 1.292.275 1.296.274 1.288.155 1.296.764 1.325.964 1.328.584 1.355.909

1.356.197 1.414.000 1.379.387 1.419.711 1.390.064 1.413.415

570.781

669.203

885.304 1.181.095 1.154.388 1.158.431 1.150.059 1.156.564 1.191.116 1.193.179 1.217.756

1.213.470 1.275.560 1.234.225 1.290.058 1.244.562 1.265.792

b. DPK (Special Mention)

59.346

62.683

61.070

75.304

89.552

86.571

85.469

86.171

82.268

81.155

83.886

90.884

85.595

91.876

82.184

96.722

97.095

c. Kurang Lancar (Sub-Standard)

15.395

9.181

5.866

8.119

9.971

13.362

13.867

13.771

11.776

13.924

13.702

11.881

12.303

13.625

9.738

11.962

11.948

d. Diragukan (Doubtful)

11.066

5.868

3.487

5.402

8.252

9.371

9.628

9.875

10.058

9.573

9.395

9.142

8.557

8.788

8.127

7.553

7.704

e. Macet (Lost)

24.626

32.781

31.337

28.262

30.112

28.539

29.133

30.384

30.746

30.753

31.169

30.820

31.986

30.874

29.605

29.265

30.876

51.087

47.829

40.690

41.784

48.335

51.272

52.627

54.029

52.579

54.250

54.267

51.843

52.845

53.286

47.469

48.780

50.528

7,36

6,04

0,00

0,00

0,00

0,00

0,00

0,00

0,00

0,00

0,00

0,00

0,00

0,00

0,00

0,00

0,00

12.912

12.582

14.948

9.506

9.569

9.116

9.480

8.613

9.077

9.533

10.033

9.879

19.268

18.191

18.219

15.576

15.373

11.710

11.601

14.791

9.150

9.216

8.881

9.347

8.387

8.809

9.187

9.685

9.546

18.906

17.830

17.925

15.366

15.107

913

753

80

267

247

174

72

167

208

278

280

206

234

231

215

160

213

c. Kurang Lancar (Sub-Standard)

43

2

8

57

69

26

26

26

31

27

28

100

100

85

34

45

26

d. Diragukan (Doubtful)

15

1

1

4

4

3

4

4

3

12

10

6

5

4

5

0

0

a. Lancar (Current)

Non Performing Loan Pihak Tidak Terkait Rasio Non Performing Loan Pihak Tidak Terkait (%)

Kredit Kepada PihakTerkait a. Lancar (Current) b. DPK (Special Mention)

232

224

68

28

33

30

30

29

26

28

31

21

23

41

40

4

27

Non Performing Loan Pihak Terkait

289

228

77

89

106

60

60

59

60

67

68

127

128

130

79

50

54

Rasio Non Performing Loan Pihak Terkait (%)

0,04

0,03

0,00

0,00

0,00

0,00

0,00

0,00

0,00

0,00

0,00

0,00

0,00

0,00

0,00

0,00

0,00

e. Macet (Lost)

139




Tabel 4.19 Kredit yang Penarikannya Menggunakan Kartu (Credit Withdrawn by Credit Card) Indikator (Indicators)

Des Des

Des Des

2009

2005 2006 2007 2008 Feb -

Mar

Apr

Mei

Jun

2010

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

1. Bank Persero (State Owned Banks)

-

-

4.652

5.137

5.104

5.184

5.259

5.475

5.601

5.716

5.818

5.803

5.986

6.143

5.059

5.123

2. BUSN Devisa (Foreign Exchange Commercial Banks)

-

3. BUSN Non Devisa (Non-Foreign Exchange Commercial Banks)

-

-

-

9.501

9.704

9.399

10.176

10.338

10.702

10.894

11.113

11.584

11.387

11.722

12.055

10.995

10.422

-

-

-

-

3

3

3

-

-

-

-

-

-

-

-

-

4. BPD (Regional Development Banks)

-

-

-

3

3

3

2

2

2

2

2

2

2

2

2

1

2

5. Bank Campuran (Joint Venture Banks)

-

-

-

2.259

2.361

2.386

2.468

2.525

2.598

2.664

2.712

2.737

2.751

2.802

2.851

2.077

2.088

6. Bank Asing (Foreign Owned Banks)

-

-

-

13.287

13.184

12.396

12.736

12.740

13.017

13.122

13.277

13.499

13.515

13.785

15.000

12.899

13.292

7. Bank Umum (Commercial Bank)

-

-

-

29.701

30.388

29.291

30.569

30.868

31.793

32.283

32.820

33.639

33.458

34.296

36.051

31.030

30.926




Tabel 4.20 Penerusan Kredit (Off - Balance Sheet ) Bank Umum Berdasarkan Sektor Ekonomi (Channelling Credit of Commercial Banks Based on Economic Sector) Sektor Ekonomi (Economic Sector)

Des

Des Des

Des

2005 2006 2007 2008

2009 Feb

Mar

Apr

2010

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb


6.874

7.707

7.680

7.694

7.708

7.689

7.674

7.637

7.640

7.615

7.604

7.581

7.580

7.580

7.585

1.868

2.021

1.173

1.536

1.461

884

969

935

859

775

730

710

700

672

665

658

618

315

294

1.603

1.188

1.193

1.363

1.399

1.401

1.295

1.277

1.264

1.249

1.248

1.238

1.224

1.222

1.205

957

1.383

10.144

9.668

10.995

12.550

11.967

11.789

9.081

8.760

8.674

8.409

8.417

8.128

8.096

7.774

7.588

7.510

6.705

2.878

11.946

13.204

15.957

7.161

6.934

8.211

7.881

7.633

7.412

9.611

9.397

9.208

9.426

8.940

4.702

5.428

379

908

1.217

766

746

730

626

645

35.659

655

654

648

640

659

630

3.879

3.905

2.626

2.105

2.684

2.873

2.933

2.848

2.680

2.571

2.566

2.475

2.511

2.479

2.438

2.466

2.472

2.126

2.400

575

541

684

580

1.027

1.024

931

1.171

1.192

478

484

496

471

464

370

148

161


153

192

301

213

213

292

290

288

276

273

286

288

285

283

281

789

1.167

8.112

4.919

4.258

3.083

3.118

3.057

2.823

2.809

2.881

2.826

2.916

2.890

2.890

2.824

3.204

7.926

7.408

34.517

40.710

43.675

45.962

37.242

36.699

34.470

33.814

68.514

32.102

34.431

33.817

33.496

33.356

32.893

30.222

30.870

141




Tabel 4.21 Penerusan Kredit (Off - Balance Sheet ) Bank Umum Berdasarkan Jenis Kredit dan Golongan Penyalur (Channelling Credit of Commercial Banks Based on Type of Credit and Type of Creditor) Des

Des Des

Des

2005 2006 2007 2008 Berdasarkan Jenis Kredit (type of Credit) 1. Kredit Usaha Kecil (Microfinancing) a. Dalam rangka penerusan kredit dari BI b. Lainnya (Others) 2. Bukan KUK a. Kredit Kelolaan b. Dalam rangka penerusan kredit dari BI c. Bantuan Proyek d. Kredit kelolaan di luar bantuan proyek 3. Mudharabah Muqayaddah Berdasarkan Golongan Penyalur (Type of Creditor) 1. Koperasi 2. Lembaga Swadaya Masyarakat 3. Swasta Lainnya Total

2009 Feb

2010

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

2.915 8.624

3.034 9.976

3.043 11.359

2.972 13.386

2.950 6.317

2.871 6.267

2.860 6.307

2.856 6.182

37.855 6.176

2.855 6.230

2.851 6.288

2.872 6.234

2.856 6.206

2.839 6.203

2.846 6.699

1.070 1.299

1.270 1.518

21.031 297 800 534

26.328 405 240 365

27.797 424 310 221

28.434 261 306 200

26.336 262 300 200

25.843 345 295 193

23.669 340 295 201

23.110 353 85 201

22.798 351 85 199

22.062 333 84 198

24.323 337 84 206

23.745 334 84 202

23.472 331 84 201

23.355 331 83 199

22.423 333 82 165

18.965 79 57 6

19.127 138 48 6

316

362

522

403

876

885

797

1.028

1.050

339

342

346

346

346

344

8.747

8.763

4.552 493 29.471

5.505 649 34.555

5.496 641 37.538

5.519 597 39.846

5.513 602 31.127

5.590 596 30.513

5.595 595 28.280

5.614 592 27.609

5.620 594 62.300

5.610 603 25.889

5.605 606 28.220

5.607 606 27.604

5.615 600 27.281

5.615 599 27.142

5.617 602 26.674

895 8.344 20.984

1.011 8.281 21.578

34.517

40.710

43.675

45.962

37.242

36.699

34.470

33.814

68.514

32.102

34.431

33.817

33.496

33.356

32.893

30.222

30.870




Tabel 4.22 Kredit Berdasarkan Nilai Des Des Indikator (Indicators) Nilai Nominal Kredit 1. Bank Persero(State Owned Banks) 2. BUSN Devisa (Foreign Exchange Commercial Banks) 3. BUSN Non Devisa (Non-Foreign Exchange Commercial Banks) 4. BPD (Development Banks) 5. Bank Campuran (Joint Venture Banks) 6. Bank Asing (Foreign Owned Banks) 7. Bank Umum (Commercial Banks) Nilai Wajar Kredit 1. Bank Persero(State Owned Banks) 2. BUSN Devisa (Foreign Exchange Commercial Banks) 3. BUSN Non Devisa (Non-Foreign Exchange Commercial Banks) 4. BPD (Development Banks) 5. Bank Campuran (Joint Venture Banks) 6. Bank Asing (Foreign Owned Banks) 7. Bank Umum (Commercial Banks)

Des Des

2009

2005 2006 2007 2008 Feb

Mar

Apr

Mei

Jun

Jul

2010 Ags

Sep

Okt

Nov

Des

Jan

Feb

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

531.084

532.397

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

540.918

517.660

-

-

-

-

-

-

-

-

-

-

-

-

-

-

35.115 31.906 - 120.566 118.944 79.887 80.216 99.597 101.169 - 1.407.167 1.382.292

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

529.897

536.471

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

540.737

552.192

-

-

-

-

-

-

-

-

-

-

-

-

-

-

35.104 36.231 - 120.372 122.361 79.913 80.247 99.617 101.286 - 1.405.640 1.428.788

143




Tabel 4.23 Pembiayaan Perbankan Syariah (Financing of Syariah Banks) Des Des Indikator (Indicators)

Des Des

2009

2005 2006 2007 2008 Feb

Mar

Apr

Mei

Jun

2010

Jul

Ags

Sep

10.007 10.184 10.359 10.412 10.363 10.725

Pembiayaan Musyarakah (Musyarakah Financing)

3.124

2.335

4.406 7.411

7.866

8.108

8.347

8.672

9.142 9.422

9.932

Pembiayaan Mudharabah (Mudharabah Financing)

1.898

4.062

5.578 6.205

5.947

5.890

5.877

5.939

6.134 6.184

6.316

Piutang Murabahah (Murabahah Accounts Receivable)

9.487 12.624 16.553 22.486 22.574 22.732 23.001 23.490 24.245 24.381 24.632

Piutang Salam (Salam Accounts Receivable)

Okt

6.459

Nov

6.440

Des

6.506

6.597

Jan

Feb

6.556

6.592

25.046 25.499 25.570 26.321 26.532 27.288

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Piutang Istishna’ (Istishna’ Accounts Receivable)

282

337

351

369

385

404

413

417

412

424

432

415

421

431

423

402

411

Lainnya (Others)

441

1.087

1.056 1.724

2.070

2.173

2.088

2.197

2.261 2.417

2.578

2.595

2.702

2.860

3.134

3.287

3.462

15.232

20.445

39.726 40.715

42.195 42.828

43.890

44.523 45.246 45.726 46.886 47.140

48.479

Total

27.944 38.195 38.843 39.308




Tabel 4.24 Pembiayaan Perbankan Syariah Berdasarkan Sektor Ekonomi (Financing of Syariah Banks Based on Economic Sector) Sektor Ekonomi (Economic Sector)

Des

Des Des

Des

2005 2006 2007 2008

2009 Feb

Mar

Apr

Mei

Jun

Jul

2010 Ags

Sep

Okt

Nov

Des

Jan

Feb

Pertanian, Kehutanan dan Sarana Pertanian

687

701

837

1.177

1.240

1.303

1.298

1.272

1.282

1.305

1.315

1.288

1.286

1.330

1.331

1.386

1.325

Pertambangan

395

375

511

965

991

1.021

1.032

942

927

987

1.026

998

1.013

1.009

1.047

1.002

958

Perindustrian

933

940

1.371

1.340

1.320

1.305

1.236

1.334

1.470

1.423

1.427

1.477

1.469

1.495

1.579

1.612

1.551

66

17

166

248

284

299

352

397

433

473

545

591

653

670

698

699

835

Konstruksi

1.548 1.637

2.371

3.368

3.338

3.248

3.217

3.247

3.396

3.425

3.644

3.705

3.673

3.648

3.516

3.515

3.504

Perdagangan, Restoran dan Hotel

1.716 3.041

4.152

4.426

4.473

4.745

4.853

5.107

5.248

5.267

5.336

5.370

5.545

5.719

5.000

5.732

5.577

Pengangkutan, Pergudangan dan Komunikasi

1.261 1.165

1.569

2.759

2.848

2.839

2.849

2.998

3.181

3.130

3.087

3.080

3.146

3.168

3.349

3.208

3.067

Jasa Dunia Usaha

4.504 5.458

8.425 11.757 11.687 11.606 11.819 12.040 12.475 12.744 13.063

Jasa Sosial/Masyarakat

1.208 1.456

1.904

2.463

Lain-lain

2.952 5.655

6.639

9.693 10.209 10.465 10.542 10.813 11.195 11.473 11.851

12.063 12.378 12.616 14.042 13.673 14.080

15.270 20.445 27.944 38.195 38.843 39.308 39.726 40.715 42.195 42.828 43.890

44.523 45.246 45.726 46.886 47.140 48.479

Listrik, Gas, Air

Total

2.453

2.476

2.529

2.566

2.588

2.601

2.597

13.334 13.465 13.369 13.664 13.775 15.126 2.616

2.617

2.704

2.661

2.537

2.455

145




Tabel 4.25 Pembiayaan Perbankan Syariah Berdasarkan Wilayah (Financing of Syariah Banks Based on Region) Des Des Wilayah DI Aceh Sumatera Utara Sumatera Barat Sumatera Selatan Bangka Belitung Jambi Bengkulu Riau Kepulauan Riau Lampung DKI Jakarta Jawa Barat Banten Jawa Tengah DI Yogyakarta Jawa Timur Bali Kalimantan Barat Kalimantan Tengah Kalimantan Timur Kalimantan Selatan Sulawesi Utara Gorontalo Sulawesi Barat Sulawesi Tengah Sulawesi Tenggara Sulawesi Selatan Maluku Maluku Utara NTB NTT Irian Jaya Barat Papua Di Luar Indonesia Total Ket : Data tersedia mulai posisi Januari 2007

Des Des

2009

2005 2006 2007 2008 Feb

Mar

Apr

Mei

Jun

2010

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

-

-

279 1.668 398 509 39 145 175 696 297 235 12.959 3.065 962 1.240 318 1.774 44 364 21 575 570 73 71 98 161 858 14 33 200 15 35 53 -

538 2.369 602 761 41 275 201 893 337 368 18.172 3.766 841 1.958 508 2.566 73 476 25 706 795 114 63 136 180 978 16 36 261 24 42 77 -

548 2.371 636 805 39 298 199 897 333 383 18.575 3.746 842 1.959 507 2.616 70 470 24 732 779 71 63 135 174 1.106 16 34 268 24 45 76 -

578 2.422 664 830 39 317 201 906 332 412 18.568 3.812 851 2.040 518 2.703 76 486 25 783 787 121 65 137 172 997 15 34 269 23 49 78 -

602 2.444 689 840 37 325 208 912 326 422 18.716 3.834 849 2.098 532 2.708 80 490 26 814 799 128 67 0 139 173 998 15 34 265 25 51 77 -

629 2.503 713 856 39 334 209 927 335 445 19.152 3.919 877 2.151 539 2.795 82 501 30 844 806 132 69 1 141 173 1.017 15 31 288 25 56 79 -

674 2.519 745 901 37 355 212 904 343 467 19.897 4.063 896 2.219 555 2.932 94 511 30 895 834 134 77 2 146 170 1.063 15 35 301 25 59 88 -

697 2.588 757 926 38 365 214 924 365 477 19.964 4.183 919 2.265 566 3.014 91 519 31 935 837 137 80 3 149 167 1.076 15 35 315 26 58 91 1

730 2.639 787 954 38 377 225 961 375 493 20.488 4.199 953 2.324 587 3.099 94 530 32 969 836 139 82 4 151 163 1.101 15 35 322 27 62 97 2

757 2.686 802 975 38 387 228 983 389 511 20.533 4.325 990 2.421 611 3.175 100 528 33 987 848 140 87 5 154 163 1.083 15 36 333 28 62 106 3

779 2.714 795 1.006 37 393 234 994 408 515 20.838 4.396 1.035 2.461 613 3.268 105 549 34 988 842 147 90 5 155 161 1.071 14 36 351 29 62 116 3

817 2.787 806 1.022 37 404 238 1.014 384 500 20.799 4.493 1.073 2.535 612 3.364 109 560 37 1.007 830 143 87 6 160 161 1.089 14 36 375 32 61 130 3

849 2.840 833 1.052 37 411 235 1.047 401 515 21.158 4.666 1.111 2.611 629 3.519 115 588 37 1.048 847 145 86 7 163 157 1.098 13 35 396 33 62 140 3

859 2.844 844 1.076 38 413 236 1.056 424 531 21.070 4.710 1.135 2.668 631 3.586 117 584 37 1.053 840 142 86 10 159 154 1.152 13 34 411 32 61 132 2

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

-

-

27.944

38.195

38.843

39.308

39.726

40.715

42.195

42.828

43.890

44.523

45.246

45.726

46.886

47.140

48.479




Tabel 4.26 Kredit Bank Perkreditan Rakyat Berdasarkan Sektor Ekonomi (Credit of Rural Banks Based on Economic Sector) Sektor Ekonomi (Economic Sector)

Des Des

Des Des

2009

2005 2006 2007 2008 Feb

2010

Mar

Apr

Mei

Jun

Jul

Ags Sep

Okt

Nov

Des

Jan

Feb

1.953 1.950

1.934

1.936

1.947

2.002

2.032

2.085

477

486

492

499

505

506

514

1. Pertanian (Agriculture)

886

1.058

1.340

1.745

1.781

1.774

1.828

1.879

1.915


222

258

333

427

437

433

439

442

457

6.042

6.715

7.717

9.328

9.507

8.998

9.075

9.176

9.368

9.494 9.842

9.746

9.787

9.853

9.786

9.859 10.089

4. Jasa-jasa (Social Services)

1.458

1.769

2.096

2.676

2.762

2.706

2.776

2.821

2.863

2.876 2.919

2.935

2.980

3.032

3.053

3.083


6.046

7.149

9.055 11.296 11.400 11.426 11.452 11.599 11.785 11.974 12.102 12.335 12.442 12.652 12.653

12.852 13.049

14.654 16.948 20.540 25.472 25.888 25.336 25.571 25.916 26.388 26.770 27.289 27.436 27.638 27.983 28.001

28.332 28.903

473

3. Perdagangan, rumah makan dan penginapan (Trade, restaurants and hotels)

Total

3.166

147



Tabel 4.27 Kredit Bank Perkreditan Rakyat Berdasarkan Jenis Penggunaan (Credit of Rural Banks Based on Type of Use) Jenis Penggunaan (Type of Use)

Des Des

Des Des

2009

2005 2006 2007 2008 Feb

Mar

Apr

Mei

Jun

Jul

2010 Ags Sep

Okt

Nov

Des

Jan

Feb

Modal Kerja (Working Capital) Pertanian (Agriculture) Perindustrian (Manufacturing) Perdagangan, rumah makan, dan penginapan (Trade, restaurants and hotels) Jasa-jasa (Social Services) Lain-lain (Others)

845 215

969 239

1.198 311

1.514 396

1.548 407

1.544 404

1.587 410

1.637 412

1.677 428

1.708 1.723 444 450

1.708 458

1.698 390

1.714 382

1.763 400

1.791 398

1.838 403

5.877 1.176 516

6.326 1.452 508

7.049 1.678 540

8.523 2.053 521

8.686 2.098 351

8.486 2.103 347

8.574 2.162 276

8.672 2.206 250

8.869 2.259 260

8.975 9.327 2.275 2.321 290 131

9.233 2.337 212

8.923 2.140 900

8.875 2.150 927

8.892 2.197 918

8.951 2.286 932

9.155 2.267 931


8.630

9.494 10.776 13.007 13.090 12.884 13.010 13.176 13.493 13.693 13.952 13.948 14.052 14.047 14.169 14.359

14.594

Investasi (Investments) Pertanian (Agriculture) Perindustrian (Manufacturing) Perdagangan, rumah makan, dan penginapan (Trade, restaurants and hotels) Jasa-jasa (Social Services) Lain-lain (Others)

41 7

89 19

142 22

231 31

233 31

230 29

241 29

242 30

238 29

245 28

227 27

226 28

224 32

215 28

226 29

225 27

233 29

165 282 78

389 317 88

667 418 129

805 623 156

821 664 157

512 602 162

501 614 185

504 615 200

499 604 195

520 601 215

515 597 199

513 598 197

520 599 205

514 590 211

512 594 210

505 517 218

516 595 228

Total Investasi (Total Investments)

572

902

1.379

1.846

1.905

1.536

1.570

1.591

1.564

1.608 1.565

1.561

1.579

1.558

1.571

1.491

1.602

Konsumsi (Consumption) Kredit pemilikan rumah (KPR) yang dijamin dgn hak tanggungan pertama dgn tujuan untuk dihuni Kredit pemilikan kendaran bermotor Kredit konsumsi lainnya

5.452

75 310 6.167

127 456 7.802

168 615 9.836

172 176 182 169 187 200 199 200 203 208 237 246 747 727 775 744 744 753 860 811 837 1.074 880 905 9.974 10.014 10.033 10.236 10.399 10.515 10.713 10.915 10.966 11.096 11.143 11.331

242 916 11.549


5.452

6.553

8.386 10.619 10.892 10.917 10.990 11.149 11.330 11.468 11.773 11.926 12.006 12.378 12.261 12.482

12.707

14.654 16.948 20.540 25.472 25.888 25.336 25.571 25.916 26.388 26.770 27.289 27.436 27.638 27.983 28.001 28.332

28.903

Total




Tabel 4.28 Kredit Bank Perkreditan Rakyat Berdasarkan Lokasi (Credit of Rural Banks Based on Location) Des Des Wilayah Jawa Barat (Including Banten) DKI Jakarta (Special Capital Province of Jakarta) D.I Yogyakarta (Special Province of Yogyakarta) Jawa Tengah (Central Java) Jawa Timur (East Java) Bengkulu Jambi Nanggroe Aceh Darussalam Sumatera Utara (North Sumatra) Sumatera Barat (West Sumatra) Riau (Including Bangka Belitung) Sumatera Selatan (South Sumatra) Lampung Kalimantan Selatan (South Kalimantan) Kalimantan Barat (West Kalimantan) Kalimantan Timur (East Kalimantan) Kalimantan Tengah (Central Kalimantan) Sulawesi Tengah (Central Sulawesi) Sulawesi Selatan (South Sulawesi ) Sulawesi Utara (including Gorontalo) Sulawesi Tenggara (Southeast Sulawesi) Nusa Tenggara Barat (West Nusa Tenggara) Bali Nusa Tenggara Timur (East Nusa Tenggara) Maluku Papua Maluku Utara (North Maluku) Total

Des Des

2009

2005 2006 2007 2008 Feb

Mar

Apr

Mei

Jun

3.051 141 819 3.901 2.059 10 45 26 257 287 236 97 1.951 78 117 50 1 54 58 92 13 197 949 17 73 75 1

3.397 254 852 4.399 2.274 11 95 26 283 372 402 136 2.247 76 173 71 3 75 89 119 20 237 1.091 17 111 118 1

3.917 365 1.047 5.280 2.557 12 144 26 319 514 603 204 2.787 105 219 96 4 113 142 145 32 283 1.347 25 137 115 1

4.881 423 1.289 6.355 2.977 17 161 64 382 660 877 280 3.398 180 281 132 9 180 221 173 42 341 1.777 50 167 154 1

4.995 411 1.302 6.535 3.064 18 164 48 386 690 910 286 3.241 220 265 140 12 175 226 175 47 357 1.835 55 177 154 1

5.004 412 1.320 6.664 3.141 18 166 52 388 705 928 288 2.364 225 269 144 15 178 233 180 47 370 1.843 59 173 151 1

5.032 416 1.348 6.793 3.202 18 166 77 389 719 954 293 2.204 226 277 143 17 174 236 188 48 384 1.878 62 171 155 1

5.084 419 1.366 6.930 3.293 18 169 80 394 730 973 298 2.257 221 282 146 21 181 239 193 48 390 1.793 64 169 157 1

5.132 424 1.383 7.060 3.380 18 172 84 401 748 1.000 301 2.206 217 294 149 21 188 238 201 49 401 1.934 68 165 153 1

14.654

16.948

20.540

25.472

25.888

25.336

25.571

25.916

26.388

Jul 5.165 423 1.400 7.149 3.439 18 173 88 408 757 1.037 313 2.275 215 299 151 21 194 249 205 49 405 1.945 73 162 157 1

2010 Ags Sep

Okt

Nov

Des

Jan

Feb

5.261 430 1.428 7.279 3.523 18 174 92 417 763 1.082 319 2.322 210 303 153 23 191 253 212 49 408 1.978 76 157 167 1

5.276 433 1.451 7.275 3.540 18 178 95 426 748 1.102 320 2.323 208 305 154 22 198 254 216 49 405 2.022 79 163 173 1

5.329 438 1.459 7.312 3.547 18 180 98 428 753 1.139 341 2.306 203 312 155 21 192 259 221 49 408 2.044 85 164 175 1

5.369 450 1.478 7.380 3.566 18 180 101 435 720 1.176 344 2.398 200 311 156 21 194 261 224 51 417 2.090 90 177 175 1

5.378 473 1.481 7.399 3.564 19 183 99 438 757 1.225 345 2.281 196 309 155 19 188 265 222 51 424 2.092 88 167 182 1

5.388 491 1.492 7.449 3.597 19 184 99 439 762 1.282 345 2.380 192 300 153 20 202 270 221 51 428 2.113 85 181 186 1

5.469 508 1.513 7.567 3.683 19 188 99 444 771 1.340 364 2.461 190 308 153 22 199 279 228 52 433 2.170 90 174 179 1

26.770 27.289

27.436

27.638

27.983

28.001

28.332

28.903

149




Tabel 4.29 Kredit MKM Menurut Sektor Ekonomi (Micro, Small & Medium Credit based on economic Sector) Sektor Ekonomi (Economic Sector) 1. Pertanian (Agriculture) 2. Pertambangan (Mining) 3. Perindustrian (Manufacturing) 4. Listrik (electricity) 5. Konstruksi (Construction) 6. Perdagangan (Trade) 7. Pengangkutan (Transport) 8. Jasa Dunia Usaha (Business Services) 9. Jasa Sosial (Social Services) 10. Lain-lain (Others) Total Ket:

*)

Data Sementara (lihat penjelasan hal. iv)

Des Des

Des Des

2009

2005 2006 2007 2008 Feb

Mar

Apr

Mei

Jun

2010

Jul

Ags

Sep

Okt

Nov

Des

Jan *) Feb *)

12.642

13.924

16.114

19.424

19.195

19.758

19.967

20.361

20.993

21.132

20.966

21.617

21.912

22.126

22.592

12.657

12.641

971

1.311

1.527

1.823

1.561

1.715

1.802

2.840

4.465

5.088

4.262

4.451

4.421

4.656

4.261

2.203

3.894

32.480

36.647

37.796

46.045

44.882

43.730

43.351

42.680

42.826

42.492

40.792

41.715

42.045

42.700

44.083

47.841

49.449

245

1.483

286

560

532

511

509

548

599

682

669

685

758

683

705

606

620

7.709

10.123

13.241

17.114

16.128

16.405

16.752

17.183

18.541

19.210

20.097

20.438

21.197

21.282

19.291

16.652

16.645

87.515

107.288

134.574

157.132

154.497

159.036

161.478

163.955

169.872

171.225

173.679

177.600

180.347 183.436

187.980

137.899

142.988

6.485

6.605

7.200

8.639

8.370

8.471

8.615

8.595

8.666

8.702

8.759

8.862

8.983

9.215

9.306

11.216

11.303

20.657

23.514

30.519

40.851

39.767

39.918

40.187

40.475

41.591

41.700

41.890

42.608

43.143

43.250

44.128

41.589

44.842

5.292

6.020

6.670

7.586

7.682

7.600

7.901

7.890

8.116

8.129

8.257

8.539

8.438

8.741

8.746

13.700

14.146

180.912

203.528

254.870

334.773

336.709

340.023

344.521

351.083

357.934

363.952

372.958

374.860

382.351 388.719

396.293

405.133

411.801

354.908

410.442

502.796

633.945

629.322

637.167

645.084

655.610

673.603

682.311

692.330

701.375

713.595 724.808

737.385

689.497

708.329




Tabel 4.30 Kredit MKM Menurut Jenis Penggunaan (Micro, Small & Medium Credit based on type of use) Jenis Penggunaan (Type of Use) Kredit Modal Kerja (Working Capital)

Des Des

Des Des

2009

2005 2006 2007 2008 Feb

Mar

Apr

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan *) Feb *)

250.070 260.449

262.610

264.026

268.339

271.447

275.282

279.264

246.809

256.181

57.515

58.052

58.661

60.353

61.801

62.775

63.762

65.885

69.053

Mei

142.633

171.118

204.765

247.442

240.409

33.049

37.147

44.578

54.209

54.456

Kredit Konsumsi (Consumption)

179.225

202.177

253.453

332.294

334.458

337.689 342.279

348.905 355.639

361.649

369.642

372.684

380.347

386.750

394.359

376.802

383.095

Jumlah (Total)

354.908

410.442

502.796

633.945

629.322

637.167 645.084

655.610 673.603

682.311

692.330

701.375

713.595

724.808

737.385

689.497

708.329

Kredit Investasi (Investments)

Ket:

*)


244.802 246.633

2010

54.676

56.172

56.635

151




Tabel 4.31 Kredit MKM Menurut Kelompok Bank (Micro, Small & Medium Credit based on Category of Bank) Kelompok Bank (Category of Bank)

Des Des

Des Des

2009

2005 2006 2007 2008 Feb

2010

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan *) Feb *)

1. Bank Persero 1) (State Owned Banks)

122.189 144.935

176.740

230.152

229.890

235.748

239.776

247.808

258.420 261.556

266.235

268.680

274.631 278.631

285.134

221.413

226.554

52.859

67.774

87.655

89.869

91.795

94.574

97.568

100.987 103.282

105.617

107.503

109.303 110.272

107.675

107.298

109.195

176.421 195.326

238.211

290.731

284.250

281.526

282.552

282.282

286.260 288.086

292.545

296.734

300.883 306.828

315.369

313.256

320.377

17.322

20.073

25.406

25.313

28.098

28.181

27.952

29.387

27.932

28.458

29.077

29.208

47.530

52.204

354.908 410.442

502.796

633.945

629.322

637.167

645.084

655.610

673.603 682.311

692.330

701.375

713.595 724.808

737.385

689.497

708.329

2. BPD (Regional Development Banks) 3. Bank Swasta Nasional

42.462

1)

(Foreign Exchange Commercial Banks) 4. Bank Asing dan Campuran (Joint Venture Banks dan Foreign Owned Banks) Jumlah Ket:

1) *)

Data Revisi Desember 2008 Data Sementara (lihat penjelasan hal. iv)

13.836

27.936

28.777




Tabel 4.32 Kredit MKM Menurut Lokasi Proyek Per Daerah Tingkat I (Micro, Small & Medium Credit based on Project Location) Des Des Indikator (Indicators) Jawa Barat (West Java) Banten DKI Jakarta (Special Capital Province of Jakarta) D.I Yogyakarta (Special Province of Yogyakarta) Jawa Tengah (Central Java) Jawa Timur (East Java) Bengkulu Jambi Nanggroe Aceh Darussalam Sumatera Utara (North Sumatra) Sumatera Barat (West Sumatra) Riau Sumatera Selatan (South Sumatra) Kepulauan Riau Bangka Belitung Lampung Kalimantan Selatan (South Kalimantan) Kalimantan Barat (West Kalimantan) Kalimantan Timur (East Kalimantan) Kalimantan Tengah (Central Kalimantan) Sulawesi Tengah (Central Sulawesi) Sulawesi Selatan (South Sulawesi) Sulawesi Utara (North Sulawesi) Sulawesi Barat (West Sulawesi) Gorontalo Sulawesi Tenggara (Southeast Sulawesi) Nusa Tenggara Barat (West Nusa Tenggara) Bali Nusa Tenggara Timur (East Nusa Tenggara) Maluku Papua Maluku Utara (North Maluku) Irian Jaya Barat Lainnya (Others)

153

Total Ket:

*)


Des Des

2009

2005 2006 2007 2008 Feb

Mar

Apr

Mei

Jun

2010

Jul

Ags

Sep

Okt

Nov

Des

Jan *) Feb *)

71.749 85.170 4.729 33.047 44.009 1.623 3.250 3.338 18.564 5.948 11.736 7.616 5.269 4.635 4.232 7.671 1.525 2.958 12.156 4.785 1.590 3.259 8.797 2.479 824 2.407 497 1.046

81.153 97.807 5.345 38.186 49.836 2.080 3.904 4.438 21.270 6.920 14.449 9.386 6.552 5.257 4.961 9.003 1.818 3.415 14.467 5.565 1.965 3.912 9.708 3.271 1.080 3.127 647 920

77.588 21.447 114.979 6.421 46.220 60.790 2.956 5.409 6.249 26.192 8.899 12.171 10.234 6.041 1.229 8.315 6.589 6.149 11.194 2.544 4.356 17.186 5.950 1.061 1.380 2.755 4.892 11.537 4.282 1.457 3.149 818 1.129 1.227

97.334 29.250 136.823 7.843 56.964 74.109 4.312 7.604 9.080 34.076 11.593 16.681 14.006 7.566 1.740 10.759 8.795 7.669 13.959 3.522 5.609 22.143 8.214 1.780 2.022 3.873 6.310 14.532 5.558 2.161 4.376 1.228 1.486 967

97.379 98.540 29.046 28.462 133.306 133.412 7.857 7.968 56.399 57.095 74.022 75.123 4.355 4.444 7.569 7.711 8.931 9.297 33.615 34.124 11.692 11.962 16.694 17.017 14.110 14.453 7.416 7.497 1.716 1.769 11.139 11.510 8.786 8.991 7.653 7.828 13.811 14.033 3.615 3.738 5.533 5.745 22.129 22.548 8.229 8.400 1.423 1.517 2.131 2.131 3.939 4.030 6.406 6.643 14.686 14.919 5.496 5.673 2.174 2.268 4.292 4.504 1.274 1.313 1.451 1.505 1.049 995

100.314 28.660 133.791 8.125 57.629 75.580 4.579 7.823 9.597 34.585 12.194 17.257 14.897 7.541 1.845 11.647 9.176 8.010 14.292 3.909 5.864 22.917 8.450 1.530 2.247 4.063 6.778 15.178 5.788 2.342 4.598 1.375 1.568 932

100.316 28.872 140.143 8.145 58.089 76.026 4.717 7.898 9.870 34.921 12.334 17.436 15.189 7.579 1.909 11.762 9.152 8.083 14.300 4.039 5.978 23.258 8.497 1.605 2.279 4.096 6.846 15.255 5.949 2.407 4.733 1.427 1.610 887

103.724 28.587 142.984 8.328 59.733 77.790 4.888 8.165 10.297 35.848 12.643 18.062 15.849 7.719 1.993 11.992 9.518 8.385 14.831 4.258 6.229 23.925 8.667 1.632 2.474 4.234 7.040 15.645 6.194 2.536 5.006 1.475 1.724 1.229

104.879 28.623 146.983 8.388 60.325 78.199 4.961 8.326 10.575 36.162 12.745 18.300 16.289 7.733 2.003 11.680 9.617 8.488 15.012 4.332 6.230 24.049 8.562 1.652 2.566 4.293 7.123 15.709 6.316 2.571 5.111 1.520 1.774 1.216

106.076 29.068 147.078 8.585 61.657 79.572 5.027 8.436 10.881 36.980 12.982 18.720 16.552 7.987 2.074 11.909 9.830 8.622 15.366 4.415 6.376 24.478 8.945 1.726 2.625 4.347 7.192 15.977 6.481 2.668 5.238 1.563 1.701 1.196

107.491 29.391 147.768 8.643 62.168 80.588 5.069 8.576 11.121 37.765 13.128 19.053 16.829 8.108 2.128 12.302 10.071 8.815 15.637 4.508 6.504 24.697 9.107 1.753 2.748 4.453 7.291 16.302 6.527 3.255 5.388 1.518 1.820 852

108.980 30.172 150.165 8.735 62.994 82.510 5.163 8.740 11.557 38.450 13.154 19.436 17.465 8.216 2.159 12.490 10.153 9.036 15.914 4.596 6.617 25.158 9.274 1.697 2.785 4.566 7.435 16.512 6.728 2.810 5.511 1.612 1.924 883

109.965 30.238 152.880 8.816 63.810 83.794 5.256 8.856 11.881 39.221 13.366 19.711 17.803 8.293 2.212 12.657 10.188 9.252 16.216 4.674 6.736 25.827 9.503 1.793 2.821 4.634 7.566 16.758 6.831 2.871 5.594 1.642 1.978 1.166

112.595 30.899 155.459 8.956 64.538 85.526 5.291 9.018 12.045 39.380 13.629 19.799 17.995 8.419 2.247 13.052 10.434 9.440 16.303 4.731 6.795 26.785 9.676 1.805 3.002 4.716 7.664 17.115 6.808 2.857 5.620 1.646 2.043 1.097

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

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

354.908

410.442

502.796

633.945

629.322

645.084

655.610

673.603

682.311

692.330

701.375

713.595

724.808

737.385

689.497

708.329

637.167




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

Des Des

Des Des

2009

2005 2006 2007 2008 Feb

1. Bank Persero 1) Mikro Kecil Menengah

-

-

- 230.152 - 99.483 - 71.190 - 59.479

2. Bank Pemerintah Daerah Mikro Kecil Menengah

-

-

-

87.655 39.019 43.377 5.258

89.869 39.006 45.753 5.110

3. Bank Swasta Nasional Mikro Kecil Menengah

-

-

- 290.731 - 65.411 - 96.410 - 128.911

284.250 65.394 96.139 122.717

4. Bank Asing dan Campuran Mikro Kecil Menengah

-

-

-

25.406 12.211 3.227 9.968

25.313 12.186 3.327 9.800

-

-

- 633.945

629.322

Jumlah Ket:

1) *)

Data Revisi Desember 2008, Data Sementara (lihat penjelasan hal. iv)

229.890 100.228 71.893 57.768

2010

Jul

Ags

Sep

Okt

Nov

Des

Jan *) Feb *)

247.808 258.420 106.041 109.713 79.788 83.715 61.978 64.992

261.556 110.488 85.835 65.233

266.235 110.764 88.489 66.982

268.680 110.905 89.795 67.981

274.631 112.386 93.214 69.031

278.631 113.548 95.123 69.960

285.134 114.355 98.306 72.474

221.413 226.554 43.617 44.552 106.697 109.559 71.099 72.443

94.574 38.882 49.949 5.743

97.568 100.987 39.178 39.153 52.247 55.175 6.143 6.659

103.282 39.248 56.974 7.060

105.617 39.546 58.753 7.318

107.503 38.962 60.947 7.593

109.303 38.941 62.530 7.832

110.272 38.834 63.412 8.025

107.675 38.657 61.922 7.095

107.298 109.195 38.927 38.159 61.607 64.090 6.764 6.945

281.526 282.552 64.717 66.187 95.922 95.999 120.886 120.366

282.282 286.260 64.646 64.784 96.691 98.301 120.944 123.175

288.086 65.353 99.488 123.245

292.545 66.181 101.873 124.491

296.734 67.365 103.147 126.222

300.883 68.632 105.097 127.154

306.828 69.607 107.325 129.897

315.369 70.346 110.221 134.802

313.256 320.377 67.531 69.733 114.513 117.022 131.212 133.622

27.936 11.816 4.369 11.751

29.387 12.728 4.371 12.288

27.932 11.678 4.465 11.789

28.458 11.833 4.587 12.037

28.777 11.611 4.768 12.398

29.077 12.269 4.761 12.047

29.208 12.004 4.857 12.347

655.610 673.603

682.311

692.330

701.375

713.595

724.808

737.385

Mar

Apr

235.748 239.776 101.508 101.789 74.365 77.037 59.874 60.951 91.795 38.865 47.458 5.472

28.098 12.160 4.042 11.897

28.181 12.277 4.208 11.696

637.167 645.084

Mei

27.952 12.006 4.274 11.672

Jun

47.530 31.298 5.197 11.035

52.204 35.037 5.670 11.497

689.497 708.329

KA TA PENGANT AR KAT PENGANTAR

GRAFIK


135

Grafik 1. Kredit dan NPL Kelompok Bank Februari 2010

Asing Campuran BPD BUSN Non Devisa BUSN Devisa Persero 0

100.000

200.000 Kredit

300.000

400.000

500.000

600.000

Kredit, Miliar Rp

NPL

Grafik 2. Dana Pihak Ketiga dan SBI Kelompok Bank Februari 2010 Miliar Rp 900.000 800.000 700.000 600.000 500.000 400.000 300.000 200.000 100.000 0 Persero

BUSN Devisa

BUSN Non Devisa

BPD DPK

136


SBI

Campuran

Asing

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

35.000 30.000 25.000 20.000 15.000 10.000 5.000 0 Persero

BUSN Devisa

BUSN Non Devisa

BPD

Pendapatan Operasional

Campuran

Asing

Beban Operasional

Grafik 4. Pembiayaan, DPK dan Aset Perbankan Syariah Februari 2010 Miliar Rp

50.000 40.000 30.000 20.000 10.000 0 Pembiayaan

DPK BUS

Aset

UUS


137

CLAR

Grafik 5. Kolektibilitas Kredit BPR Februari 2010

2%1% 4%

93%

Lancar

Kurang Lancar

Diragukan

Macet

Grafik 6. Kredit MKMKelompok Bank Februari 2010

7% 32%

46% 15%

Persero

138

BUSN


BPD

Campuran & Asing

ORD. Jakarta, April 2010 BANK INDONESIA Direktorat Perizinan dan Informasi Perbankan

Recommend Documents