ProdukHukum BankIndonesia

(1)

Statistik Perbankan Indonesia (SPI) merupakan

m edia publikasi yang m enyajikan dat a m engenai

perbankan Indonesia. Buku SPI ini diterbitkan secara

berkala (bulanan) oleh Direkt orat Perizinan dan

In f o r m asi Per b an k an , Ban k In d o n esi a, u n t u k

memberikan gambaran perkembangan perbankan

di Indonesia.

M ulai penerbitan Edisi Januari 2009, SPI yang

sebelumnya terbit dalam bentuk buku telah diubah

menjadi bentuk CD ROM dan telah disempurnakan

pula dengan penambahan beberapa data baru yaitu:

kredit dan NPL yang penarikannya menggunakan

kartu, suku bunga rata-rata kredit Bank Umum dan

BPR b er d asar k an sek t o r ek o n o m i d an j en i s

p en g g u n aan , su k u b u n g a rat a-rat a DPK Ban k

Umum, BPR dan Bank Syariah, Rincian kredit dan

NPL UM KM menurut kelompok bank, NPL UM KM

berdasarkan sektor ekonomi dan jenis penggunaan.

Den g an p en yem p u r n aan SPI i n i , k am i

berharap agar data yang disajikan lebih memberikan

manfaat yang optimal bagi pembaca.

Jakarta, Februari 2010

BANK INDONESIA

Direktorat Perizinan dan Informasi Perbankan

The Indonesian Banking St at ist ics (SPI) is a

media publication that provides data regarding the

banking indust ry in Indonesia. This publicat ion is

published monthly by Directorate of Bank Licensing

and Banking Information, Bank of Indonesia, in order

to represented the development of the Indonesian

banking industry.

Starting edition of January 2009, SPI is issued

in form of CD ROM no longer in form of book. In

this edition and follow ing w e add new data such as

credit and NPL w ithdraw n by credit card, average of

credit int erest rat e of Banks and Rural Banks by

economic sector and by type of use, average of third

party fund interest rate of Commercial Banks, Rural

Banks, and Sharia Banks, credit and NPL SM Es by

group of bank, by economic sector and by type of

use.

We sincerely hope that the data provided in

the Bank Statistics Book w ill be of optimum benefits

to our readers.

Jakarta, February 2010

BANK INDONESIA

(2)

KATA PENGANTAR

i

DAFTAR ISI

ii

PENJELASAN

iii

DAFTAR SINGKATAN

vii

DAFTAR ISTILAH

viii

DAFTAR RASIO

x

DAFTAR TABEL

xiii

DATA BANK UM UM

5

DATA PERBANKAN SYARIAH

93

DATA BANK PERKREDITAN RAKYAT (BPR)

107

DATA PERKREDITAN

123

INTRODUCTION

i

TABLE OF CONTENT

ii

CLARIFICATIONS

iii

LIST OF ABBREVIATIONS

vii

LIST OF TERM S

viii

LIST OF RATIOS

x

LIST OF TABLES

xiii

COM M ERCIAL BANK DATA

5

SHARIA BANK DATA

93

RURAL BANK DATA

107

(3)

1.

Data yang digunakan dalam Publikasi Statistik

Perbankan Indonesia bersumber dari Laporan

Bulanan Bank Umum (LBU), Laporan Bulanan

Ban k Um u m Syar iah (LBUS), d an Lap o r an

Bulanan Bank Perkreditan Rakyat (Lapbul BPR),

kecuali dinyatakan lain.

2.

Sem u a j en i s d at a Ban k Um u m t el ah

mencakup dat a Bank Umum yang melakukan

kegiat an usaha berdasarkan prinsip syariah

d an Un it Usah a Syar iah d ar i Ban k Um u m

k o n ven sio n al. Pem isah an d at a p erb an k an

syar i ah d ar i k el o m p o k d at a b an k u m u m

b elu m d ap at d ilak u k an , k aren a selam a in i

proses pelaporan perbankan syariah m asuk

k e d al am Si st em Per b an k an seb ag ai sat u

k esat u an .

Un t u k it u d isajikan d at a kh u su s p erb an kan

syariah secara terpisah.

3.

Dat a k in er ja seb elu m b u lan Jan u ar i 2 0 0 6

perhitungannya masih mengacu pada ketentuan

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

No . 3 0 / 2 3 / UPPB t an g g al 1 9 M aret 1 9 9 8 ,

sedangkan data kinerja mulai bulan Januari 2006

dan selanjutnya perhitungannya mengacu pada

ket ent uan SE No.6/23/DPNP t anggal 31 M ei

2004.

4.

Data Kredit

•

Dat a kredit yang dit am pilkan m erupakan

kredit yang tercatat di neraca Bank dan tidak

memperhit ungkan penerusan kredit yang

tercatat dalam rekening administratif (of f

-balance sheet

), kecuali dinyat akan lain.

Caku p an kred it m elip u t i t ag ih an kred it

k ep ad a p en d u d u k d an n o n p en d u d u k

1.

Th e d at a u sed in t h e In d o n esian Ban k in g

St at ist ics is d er ive f ro m Co m m ercial Ban k

M onthly Reports, Sharia Bank M onthly Reports

and Rural Bank M onthly Reports.

2.

Th e en t i r e d at a o n Co m m er ci al Ban k s

in clu d es d at a f ro m Co m m ercial Ban ks t h at

co n d u ct o p er at i o n s b ased o n sh ar i a

p r in cip les an d sh ar ia Bu sin ess Un it s f r o m

convent ional com m ercial banks. It is not yet

possible t o obt ain separat e sharia bank dat a

f ro m co m m ercial b an k s, b ecau se, t h u s f ar,

report s f rom sharia banks are ent ered int o

t he banking syst em as one unit .

For this reason, sharia banking data is presented

separately.

3.

Dat a regarding perf orm ance bef ore January

2006 based on calculations is still subject to the

provisions of Circular Letter No. 30/2/UPPB dated

April 30, 1997 and No. 30/23/UPPB dated M arch

19, 1998, and beginning January 2006 based

on calculation subject to the provision of Circular

Letter No. 6/23/DPNP dated 31 M ay 2004.

4.

Credit Data

•

Cr ed i t d at a co n st i t u t es t h e cr ed i t s

recorded in t he balance of a Bank and

does not t aken int o account channel of

credit recorded in t he off -balance sheet ,

unless ot herw ise st at ed. Credit s include

cr ed i t cl ai m s f r o m ci t i zen s an d n o n

-cit izen s (Ru ral Ban k d at a o n ly in clu d es

cr ed it claim s f r o m cit izen s). Th e d at a

r el at ed t o t h e i n f o r m at i o n ab o ve i s

(4)

k r ed i t k ep ad a p en d u d u k ). Dat a yan g

t er k ait d en g an p en jelasan t er seb u t d i

at as d it u ju k an u n t u k d at a d alam t ab el

k in er ja; ak t iva p r o d u k t if ; NPL (k ecu ali

d at a NPL p en eru san k red it o f f -b alan ce

sh eet

); k eg i at an u sah a; d an k r ed i t

(k ecu al i d at a p en er u san k red i t o f f

-balance sheet ).

cakupan kredit dalam publikasi ini berbeda

dengan cakupan kredit pada publikasi SEKI.

•

Yang dimaksud dengan kredit M KM adalah:

kredit mikro

yakni kredit dengan plafon 0

sampai dengan maksimum Rp50 juta,

kredit

kecil

yakni kredit dengan plafon lebih dari

Rp50 juta sampai dengan maksimum Rp500

jut a, dan

kredit menengah

yakni kredit

dengan plafon lebih dari Rp500 juta sampai

dengan maksimum Rp5 miliar. Data kredit

M KM tidak mencakup data kartu kredit dan

kredit yang disalurkan oleh BPR. Data yang

terkait dengan penjelasan tersebut di atas

dit ujukan unt uk dat a dalam t abel kredit

M KM menurut kelompok bank, kredit M KM

m enurut jenis penggunaan, kredit M KM

berdasarkan lokasi proyek per provinsi, dan

kredit M KM berdasarkan sektor ekonomi”.

•

Yang dimaksud dengan Hubungan Dengan

Ban k p ad a t ab el Kred i t Ban k Um u m

Berdasarkan Hubungan dengan Bank adalah

status keterikatan antara bank dengan pihak

yang melakukan transaksi dengan bank.

-

Pihak terkait adalah perseorangan atau

perusahaan/badan yang m em punyai

l o an s (NPL) (excep t f o r NPL d at a

regarding channelling credit of f -balance

sh eet ); o p erat io n s; an d cred it s (excep t

f o r ch an n el l i n g cr ed i t d at a r eg ar d i n g

o f f -b alan ce sh eet ).

the scope of the credit in this publication is

different from the coverage of credit in the

publication SEKI.

•

Dat a o n M i cro , Sm al l , M ed i u m Scal e

Business credit in t his book mean:

micro

credit

is credit w ith ceiling Rp 0 up to Rp

50 million,

Small credit

is credit w ith ceiling

Rp 50 m illion up t o Rp 500 m illion, and

M edium credit

is credit is w ith ceiling Rp

500 million up to Rp 5 billion. Credit Data

on M icro, Sm all, M edium Scale Business

credit does not include data regarding credit

cards or credit s disbursed by Rural Banks.

The data related to the infomartion above

is presented in the performance data tables

: M icro Sm all, M edium Credit based on

cat egory of bank, M icro Sm all, M edium

Credit based on type of use, M icro Small,

M edium Credit based on project location,

M icro Sm all, M ed iu m Cred it b ased o n

economic sector.

•

Bank Relationship on the table Commercial

Bank Credit based on Bank relat ionship

m ean st at us relat ed bank and t he part y

w hich transaction w ith bank.

-

Rel at ed p ar t y i s an y i n d i vi d u al o r

co m p an y/ en t i t y exer ci si n g co n t r o l

(5)

baik secara langsung m aupun t idak

langsung, m elalui hubungan dengan

kepemilikan, kepengurusan dan at au

keuangan.

-

Pi h ak t i d ak t er k ai t ad al ah p i h ak

-p i h ak yan g t i d ak t er m asu k -p ad a

p i h ak t er k ai t d en g an b an k

sebagaim ana t ersebut di at as.

•

Yan g d i m ak su d d en g an Kred i t yan g

penarikannya menggunakan kart u adalah

pemberian fasilitas kredit yang penarikannya

dilakukan dengan kartu kredit.

5.

Dat a Non Perf orm ing Loan

Dat a Non Perf orming Loan yang dit ampilkan

merupakan Non Performing Loan Gross, yakni

t an p a m em p er h it u n g k an p en yisih an yan g

dibentuk untuk mengantisipasi risiko kerugian.

Data Non Performing ditampilkan dalam nominal

dan persentase.

Data yang terkait dengan penjelasan tersebut di

at as dit ujukan unt uk dat a dalam t abel akt iva

produktif; dan NPL.

6.

Data Surat Berharga dalam pos penyaluran dana

Data surat berharga yang ditampilkan merupakan

surat berharga yang diterbitkan oleh pihak ketiga

b u k an b an k . Dat a yan g d it am p ilk an t id ak

m em p er h i t u n g k an o b l i g asi d al am r an g k a

program rekapit alisasi yang dit erbit kan oleh

Pemerintah.

Dat a yang t erkait dengan penjelasan t ersebut

ditujukan untuk data dalam tabel kegiatan usaha.

7.

Dat a suku bunga m enggunakan suku bunga

rata-rata tertimbang

8.

Perkiraan Tambahan M odal Disetor

m an ag em en t , an d / o r f i n an ci al

r elat io n .

-

No t r el at ed p ar t y i s o t h er p ar t y

exclu d in g relat ed p art y as m en t io n

ab o ve.

•

Credit w ithdraw n by credit card

5.

Non-Performing Data

Non-performing loan data is show as the gross

non-performing loan, that is, w ithout taking into

account t he reserve f ormed in ant icipat ion of

the risk of losses.

Non-performing loan data is show in nominal

and percentage figures.

Dat a r elat ed t o t h e in f o r m at io n ab o ve is

show n as f igures in t he earning asset s t able;

and NPL.

6.

Data regarding money instruments in the funds

disbursement account.

Dat a regarding m oney inst rum ent s includes

money instruments that are issued by a non-bank

third party. The data does not calculate bonds

f rom a recapit alizat ion program issued by t he

Government .

The data mentioned above is displayed in the

business operations table.

7.

The t able displays t he w eight ed-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.

(6)

9.

Perkiraan Cadangan

Terdiri dari pos Cadangan um um ; Cadangan

tujuan; dan Laba yang ditahan.

10. Proses Dow nload Data

•

Dat a Laporan Bulanan Bank Umum (LBU)

dan Laporan Bulanan Bank Umum Syariah

(LBUS) yang disampaikan dari bank pelapor

k ep ad a Ban k In d o n esia, d io lah m elalu i

Si st em In f o r m asi M an aj em en Sek t o r

Per b an k an Ban k In d o n esi a (SIM SPBI).

Per b ed aan w ak t u d o w n lo ad d at a LBU

melalui sistem SIM SPBI dapat menyebabkan

perbedaan pada dat a yang dipublikasikan

ini dengan dat a publikasi yang lain. Oleh

seb ab i t u , p em b aca d i h i m b au u n t u k

memperhatikan w aktu dow nload data.

Pemrosesan data bulan laporan Desember

2009 unt uk Publikasi St at ist ik Perbankan

Indonesia Edisi Desember 2009 dilakukan

pada tanggal 28 Januari 2010.

11. Publikasi Publikasi Statistik Perbankan Indonesia

juga dilakukan melalui w ebsite Bank Indonesia

(w w w.bi.go.id).

10. Dat a d o w n lo ad in g p ro cess

•

Dat a f rom t he Commercial Bank M ont hly

Rep o r t s an d t h e sh ar ia Ban k M o n t h ly

Rep o r t s is su b m it t ed b y t h e r ep o r t in g

b an k s t o Ban k In d o n esi a, an d i s

p r o cessed u si n g t h e Ban k In d o n esi a

Ban k i n g Sect o r M an ag em en t

In f o rm at io n Syst em . Th e t im e t aken t o

d o w n lo ad d at a f ro m co m m ercial b an ks

t h r o u g h t h e Ban k In d o n esi a Ban k i n g

Sector M anagement Information System can

resu lt in variat io n s o f t h e d at a t h at is

published in this book, compared to other

p u b lish ed d at a. Th eref o re, read ers are

recom m ended t o t aken int o account t he

dow nloading time.

Th e p ro cessin g o f t h e Desem b er 2 0 0 9

m ont hly report s f or t he Desem ber 2009

edition of the Indonesian Banking Statistics

w as done on 28 January 2010.

11. The Indonesian Bank St at ist ics Book is also

p u b lish ed via t h e Ban k In d o n esia w eb sit e

(7)

APYD

: Aktiva Produktif Yang Diklasifikasikan

ATM R

: Aktiva Tertimbang M enurut Risiko

BOPO

: Biaya Operasional terhadap

Pendapatan Operasional

BPD

: Bank Pembangunan Daerah

CAR

: Capital Adequacy Ratio

DPK

: Dana Pihak Ketiga

KAP

: Kualitas Aktiva Produktif

KBAB

: Kew ajiban Bersih Antar Bank

KP

: Kantor Pusat

KC

: Kantor Cabang

KCP

: Kantor Cabang Pembantu

KK

: Kantor Kas

KPW

: Kantor Perw akilan

LBU

: Laporan Bulanan Bank Umum

LDR

: Loan to Deposit Ratio

NIM

: Net Interest M argin

NPL

: Non Performing Loan

PPAPYD : Penyisihan Penghapusan Aktiva

Produktif yang Dibentuk

PPAPWD : Penyisihan Penghapusan Aktiva

Produktif yang Wajib Dibentuk

ROA

: Return on Asset

SIM SPBI : Sistem Informasi M anajemen Sektor

Perbankan Bank Indonesia

UKM

: Usaha Kecil M enengah

UM KM

: Usaha M ikro Kecil M enengah

APYD

: Classified Earning assets

ATM R

: Risk Weighted Assets

BOPO

: Operat ions Expenses t o Operat ions

Income

BPD

: Regional Development Bank

CAR

: Capital Adequacy Ratio

DPK

: Third Party Funds

KAP

: Earning assets Qualtiy

KBAB

: Inter-Bank Net Liabilities

KP

: Head Office

KC

: Branch Office

KCP

: Sub-Branch Office

KK

: Cash Office

KPW

: Representative Office

LBU

: Commercial Bank M onthly Report

LDR

: Loan to Deposit Ratio

NIM

: Net Interest M argin

NPL

: Non-Performing Loan

PPAPYD : Productive Asset Write-off Reserve

PPAPWD : M andatory Productive Asset Write-off

Reserve

ROA

: Return on Assets

SIM SPBI : Bank Indonesia Banking Sector

M anagement Information System

UKM

: Small/M edium-Scale-Ent erprise Indust ry

UM KM

: Small/M edium/M icro-Enterprise Industry

(8)

d al am Ru p i ah m au p u n val as

d al am b en t u k k red i t , su r at

b er h ar g a, p en em p at an d an a

antar bank, penyertaan, termasuk

komit men dan kont injensi pada

transaksi rekening administratif.

APYD

: Aktiva produktif baik yang sudah

m au p u n yan g m en g an d u n g

p o t en si t id ak m em b erik an

penghasilan at au m enim bulkan

kerugian

ATM R

: Terdiri dari :

1. akt iva neraca yang diberikan

bobot sesuai kadar risiko kredit

yang melekat

2. b eb er ap a p o s d al am o f f

-balance sheet yang diberikan

bobot sesuai dengan kadar

risiko kredit yang melekat

Call M oney BI

: Penempatan dana pada Bank

In d o n esi a d al am b en t u k cal l

money yang merupakan intervensi

rupiah oleh Bank Indonesia dalam

ran g k a o p erasi p asar t erb u k a

(OPT)

DPK

: Sim p an an p ih ak ket ig a b u kan

b an k yan g t erd i r i d ar i Gi r o ,

Tab u n g an d an Si m p an an

berjangka

Kredit

: Penyediaan uang at au t agihan

yang dapat dipersamakan dengan

itu, berdasarkan persetujuan atau

kesepakat an pinjam -m em injam

foreign currency by a Bank to the

form of credits, money instruments,

in t er-b an k p lacem en t s, eq u it y

participation, including commitments

and contingencies of the off-balance

sheet account.

Classified

: Earning assets that do not, or

Productive

have the potential to not

pro-Assets

vide a profit or could even incur a

loss.

Risk Weighted

: Consists of:

Assets

1 . A sset s in t he balance sheet

t hat are ranked according t o

t he level of risk of t he credit

in quest ion.

2. Several account s in t he of f

-balance sheet that are ranked

according to the level of risk of

the credit in question.

BI Call M oney

: Fund placements at Bank Indonesia

in t h e f o r m o f call m o n ey,

representing a rupiah intervention

by Bank Indonesia as part of open

market operations (OPT).

Third Party

: Non-bank t hird part y deposit s

Funds

consist ing of dem and deposit ,

savi n g s d ep o si t an d t i m e

deposit .

Credit

: The provision of funds or related

claims based on an agreement or

cont ract t o borrow /loan f unds

betw een banks and another party

(9)

ant ara Bank dengan pihak lain

yang mew ajibkan pihak peminjam

untuk melunasi utangnya setelah

jangka w akt u t ert ent u dengan

pemberian bunga, termasuk :

1. Pem b el i an Su r at Ber h ar g a

n asab ah yan g d i l en g k ap i

d en g an

No t e Pu r ch ase

Agreement

(NPA)

2. Pengambilalihan tagihan dalam

rangka kegiatan anjak piutang

Penerusan Kredit : Kredit dalam rupiah maupun valas

yang disalurkan oleh bank yang

dananya berasal dari pihak lain,

d an at as p en yal u r an k red i t

tersebut bank tidak menanggung

r i si k o . Pen er u san k red i t i n i

d i b u k u k an p ad a rek en i n g

administratif (off-balance sheet)

off his/her debt according t o a

designated schedule and interest

charges, including:

1. Th e p u rch ase o f M o n ey

In st r u m en t s b y cl i en t s,

complete w ith a Note Purchase

Agreement (NPA).

2. The transfer of claims involved

in factoring activities.

Channelling

Credit

: Cr ed i t i n r u p i ah o r f o rei g n

currency that is from another party

t h at i s d i sb u r sed b y a b an k ,

w herein the bank does not bear

an y r i sk f o r t h e cr ed i t

disbursement. Channelling credits

are recorded in t he off -balance

(10)

(sesuai SE No.6/23/DPNP anggal 31 M ei

2004)

M odal, terdiri dari :

1. M odal Inti

2. M odal Pelengkap

M odal Inti, terdiri dari :

1. M odal Disetor

2. Cadangan tambahan modal, terdiri

dari :

a. Faktor penambah, yaitu :

1. Agio

2. M odal 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

M o d al In t i d ip erh it u n g k an d en g an

faktor pengurang berupa goodw ill.

M odal Pelengkap terdiri dari :

1. Cadangan revaluasi aktiva tetap

2. Cadangan umum PPAP (maksimal

1,25% dari ATM R)

3. M odal pinjaman

(pursuant to Circular Letter No. 6/23/DPNP

dated M ay 31,

2004)

Capital, consist of:

1. Tier One Capital

2. Supplementary capital

Tier One Capital consist of:

1. Paid-In Capital

2.Addit ional capit al reserves,

consis-ting 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. M inus 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

goodw ill.

Supplementary capital consists of:

1. Fixed assets re evaluation reserve

2. PPA P g en eral reserve (m axim u m

1.25%

of RWA)

3. Borrow ed capital

4. Subordinated loans (maximum 50%

(11)

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

2004)

Rasio ROA

= Laba Sebelum Pajak disetahunkan

/ Rata-rata total aset

(sesuai SE No.6/23/DPNP tanggal 31 M ei

2004)

Rasio BOPO = To t al b eb an o p erasio n al / To t al

pendapatan operasional

Rasi o d i h i t u n g p er p o si si (t i d ak

diset ahunkan)

2004)

Rasio Aktiva -Pasiva = Akt iva 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. Kew ajiban segera

5. Kew ajiban pada bank lain (giro,

deposit on call, call money)

(sesuai SE No.6/23/DPNP tanggal 31

M ei 2004)

Rasio LDR = Kredit / Dana Pihak Ketiga

Kredit merupakan t ot al kredit yang

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

Earn-ing assets

(pursuant to Circular Letter No. 6/23/

DPNP dated M ay 31,

2004)

Return on Assets

Ratio

= Annual Profit before taxes / Average

Assets

(pursuant to Circular Letter No. 6/23/

DPNP dated M ay 31,

2004)

Operations Expenses /

Operations Income

= Operations expenses /

Op-erations

Income for the same period.

(pursuant t o Circular Let t er No. 6/23/

DPNP dated M ay 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)

(12)

deposit, savings deposit and time

de-posits (not including interbank)

(pursuant to Circular Letter No. 6/23/DPNP

dated M ay 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 w ith 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,

doubt-ful and loss) / Total Credits

Net Interest M argin

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 M ay 31, 2004)

(sesuai SE No.6/23/DPNP anggal 31

M ei 2004)

LDR

= Total Kredit / (Penghimpunan Dana +

M odal Inti)

Total Kredit, merupakan kredit yang

diberikan kepada m asyarakat 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. M odal Pinjaman

(sesuai SK Dir No.30/12/KEP/DIR tanggal

30 April 1997 - untuk BPR)

Rasio NPL = (Kredit dalam kualitas Kurang lancar,

Diragukan dan M acet) / Total Kredit

Rasio NIM = Pendapatan Bunga Bersih / Rata-Rata

Aktiva Produktif

Pen d ap at an Bu n g a Ber si h =

Pendapatan Bunga – Beban Bunga

p er h i t u n g an p en d ap at an b u n g a

bersih disetahunkan.

(sesuai SE No.6/23/DPNP tanggal 31 M ei

(13)

1.

Keg iat an Usah a Perb an k an

3

Ban k In d u st ries Op erat io n

DATA BANK UM UM

COM M ERCIAL BANK DATA

2.

Kegiat an Usaha Bank Um um

1.1 s.d 1.7

6

Co m m ercial Ban k s Op erat io n

3.

Lap o ran Lab a/Ru g i Ban k Um u m

1.8 s.d 1.14

13

Co m m ercial Ban ks In co m e St at em en t

4.

Rek en in g A d m in ist rat if Ban k Um u m

1.15 s.d 1.21

20

Com m ercial Banks Of f balance-sheet

5.

Kin erja Ban k Um u m

1.22 s.d 1.29

27

Co m m ercial Ban ks Perf o rm an ce

6.

Jum lah Bank Um um Berdasarkan TIngkat Rasio

1.30

35

Com m ercial Bank Based on Rat ios

7.

A set Bank Um um

1.31 s.d 1.33

Com m ercial Banks A sset s

a. Perkem b an g an A set Ban k Um u m

1.31

36

Com m ercial Banks A sset Grow t h

b . Bank Um um Berdasarkan Tot al A set

1.32

37

Com m ercial Banks based on Asset s

c. Peringkat Bank Um um Berdasarkan Tot al A set

1.33

38

Com m ercial Banks Rat ing based on Tot al A sset s

8.

A kt iva Pro d u kt if Ban k Um u m

1.34 s.d 1.40

39

Com m ercial Banks Earning A sset s

9.

Non Perf orm ing Loan (NPL) Bank Um um

Co m m ercial Ban ks No n p erf o rm in g lo an

a. Pen g elo m p o kan Ban k Berd asarkan Rasio NPL

1.41

46

Cat egory of Banks based on NPL Rat io

b . NPL Berd asarkan Sekt o r Eko n o m i

1.42 s.d 1.49

47

NPL Based on Econom ic Sect or

c. NPL Berd asarkan Jen is Pen g g u n aan

1.50 s.d 1.57

55

NPL based on t ype of use

d. NPL Berdasarkan Lokasi Bank Penyalur

1.58

63

NPL based on Location of Bank

DAFTAR TABEL / LIST OF TABLES

No.

Topik / Judul

No. Tabel/Tables

Halaman/

(14)

No.

Topik / Judul

No. Tabel/Tables

Halaman/

Pages

e. NPL Kredit yang penarikannya menggunakan kartu

1.59

64

Non performing loan w ithdraw n by credit card

f . NPL UM KM

1.60 s.d 1.63

65

Non Perf orm ing loan of SM Es credit

g . NPL Penerusan Kredit (o f f -b alan ce sh eet )

1.64

69

NPL ch an n ellin g cred it (o f f -b alan ce sh eet )

10.

Dana Pihak Ket iga (DPK) Bank Um um

Com m ercial Banks Third Part y Funds

a. Ko m p o sisi DPK

1.65 s.d 1.71

70

Com posit ion of Third Part y Funds

b . Perin g kat Ban k Berd asarkan DPK

1.72

77

Bank Rat ing Based on Third Part y Funds

c. DPK Berd asark an Lo k asi Pen g h im p u n an

1.73 s.d 1.74

78

Third Part y Funds based on locat ion of deposit

d . Dep o sit o Berd asarkan Jan g ka Wakt u Sim p an an

1.75

80

Tim e deposit s based on lengt h of m at urit y

11.

Suku Bunga Rat a-rat a Dana Pihak Ket iga (DPK)

1.76 s.d 1.82

81

Average of int erest rat e of Third part y f und

12.

Perin g kat Ban k Berd asarkan Kred it

1.83

88

Rat ing of Bank based on credit s

13.

Suku Bunga Rat a-rat a Kredit

1.84 s.d 1.85

89

Average of Crerdit Int erest Rat es

14.

Perkem b an g an Ju m lah Ban k d an Kan t o r Ban k

Grow t h of t ot al banks and bank of f ices

a. Perkem bangan Jum lah Bank dan Kant or Bank Um um

1.86

91

Grow t h of t ot al banks and com m ercial bank of f ices

b . Perkembangan Jumlah Kantor Cabang Bank Berdasarkan Wilayah

1.87

92

Grow th of total Branch offices based on Region

DATA BANK SYARIAH

SHARIA BANK DATA

15.

Kegiat an Usaha Bank Um um Syariah

2.1 s.d 2.3

94

Sh aria Co m m ercial Ban k Op erat io n

16.

Perkem b an g an A set Perb an kan Syariah

2.4

97

(15)

DAFTAR TABEL / LIST OF TABLES

No.

Topik / Judul

No. Tabel/Tables

Halaman/

Pages

17. Aktiva Produktif Perbankan Syariah

2.5

98

Earning Assets of Sharia Banks

18.

Ko m p o sisi DPK Perb an kan Syariah

2.6

99

Com posit ion of Third Part y Funds of Syariah Banks

19.

Tingkat Bagi Hasil Rat a-rat a DPK Bank Syariah

2.7

100

Average of Prof it Sharing Rat es of Third Part y Fund of

Sh aria Ban ks

20.

TIn g k at M arg in Rat a-rat a Pem b iayaan

2.8 s.d 2.9

101

Average of M argin Rat es of Financing

21.

BPR Syariah

2.10 s.d 2.11

103

Syariah Ru ral Ban k

22.

Jarin g an Kan t o r Perb an k an Syariah

2.12

105

Sharia Bank Of f ice Net w ork

DATA BANK PERKREDITAN RAKYAT

RURAL BANK DATA

23.

Keg iat an Usah a Ban k Perkred it an Rakyat

3.1

108

Ru ral Ban k Op erat io n s

24.

Kin erja Ban k Perk red it an Rak yat

3.2

109

Ru ral Ban k Perf o rm an ce

25.

Perkem b an g an A set BPR

3.3 s.d 3.4

110

Grow t h of Asset s based Rural Bank Dat a

26.

No n Perf o rm in g Lo an Ban k Perkred it an Rakyat

3.5 s.d 3.6

112

Non Perf orm ing Loan of Rural Bank

27.

Dan a Pih ak Ket ig a

Third Part y Funds of Rural Bank

a. Kom posisi DPK Bank Perkredit an Rakyat

3.7

114

Com posit ion of Third Part y Funds of Rural Bank

b. Kom posisi DPK Berdasarkan Lokasi

3.8

115

Com posit ion of Third Part y Funds based on Locat ion

c. DPK BPR Berd asarkan Lo kasi Pen g h im p u n

3.9

116

Third Part y Funds of Rural Banks Based on Locat ion

28.

Suku Bunga Rat a-rat a DPK BPR

3.10

117

(16)

30.

Perkem b an g an Ju m lah Ban k d an Kan t o r Ban k

Grow t h of Tot al Rural Banks and Bank Of f ices

a. Perk em b an g an Ju m lah BPR

3.13

120

Grow t h of Tot al Rural Bank

b . Perkem b an g an Ju m lah BPR Berd asarkan Lo kasi

3.14

121

Grow t h of Tot al Rural Bank Of f ices based on Region

DATA PERKREDITAN

CREDIT DATA

31.

Kredit Bank Um um Berdasarkan Sekt or Ekonom i

4.1 s.d 4.8

124

Com m ercial Bank Credit based on Econom ic Sect or

32.

Kred it Ban k Um u m Berd asarkan Jen is Pen g g u n aan

4.9 s.d 4.16

132

Com m ercial Bank Credit based on Type of Use

33. Kredit Bank Umum Berdasarkan Lokasi Bank Penyaluran

4.17

140

Commercial Bank Credit based on Location of Bank

34.

Kredit Bank Um um Berdasarkan Hubungan dengan Bank

4.18

141

Credit of Com m ercial Banks based on Bank Relat ionship

35.

Kred it yan g Pen arik an n ya M en g g u n ak an Kart u

4.19

142

Credit W it hdraw n by Credit Card

36.

Pen eru san Kred it Ban k Um u m

4.20 s.d 4.21

143

Co m m ercial Ban k Ch an n ellin g Cred it

37.

Pem b iayaan Perb an k an Syariah

4.22 s.d 4.24

145

Det ailed f inancing of sharia banks

38.

Kred it Ban k Perkred it an Rakyat

4.25 s.d 4.27

148

Ru ral Ban k Cred it

39.

Kred it UM KM

4.28 s.d 4.32

151

(17)

(18)

Penyaluran Dana (Distribution of Funds) Bank Umum (Commercial Banks) Bank Perkreditan Rakyat (Rural Banks)

SBI dan SBIS 1

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

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

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

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

Tabel 1 Kegiatan Usaha Perbankan (Bank Industries Operation)

Indikator (Indicator)

2004 2005 2006 2007 2008

Jan

Feb

M ar

Apr

M ei

Jun

Jul

Ags

Sep

Okt

Nov

Des

2 0 0 9

932.971 1.140.278 1.380.373 1.702.520 2.015.221 2.019.451 2.055.482 2.072.521 2.049.895 2.055.448 2.101.682 2.083.944 2.135.083 2.120.583 2.151.440 2.200.646 2.282.179 15.145 18.096 21.904 26.549 31.313 31.323 31.756 31.282 31.724 31.989 32.398 32.999 33.396 33.760 34.640 35.181 36.076

94.058 54.256 179.045 203.863 166.518 208.510 216.538 208.106 211.152 195.400 204.229 194.400 193.171 182.436 190.412 199.442 212.116

1.105.769 1.283.480 1.468.369 1.718.965 1.990.345 1.979.356 2.007.997 2.016.788 1.993.826 1.989.812 2.028.568 2.006.177 2.051.898 2.052.457 2.053.403 2.094.344 2.180.934 12.911 15.453 18.733 22.629 26.345 26.453 26.873 26.520 26.950 27.066 27.414 27.839 28.200 28.528 29.130 29.600 30.367

1.272.081 1.469.827 1.693.850 1.986.501 2.310.557 2.308.030 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 16.707 20.393 23.045 27.741 32.533 32.239 32.703 32.681 33.046 33.259 33.765 34.278 34.762 35.221 36.055 36.704 37.554

133 131 130 130 124 123 123 123 122 122 122 122 122 121 121 121 121 2.158 2.009 1.880 1.817 1.772 1.767 1.768 1.768 1.758 1.757 1.760 1.760 1.763 1.765 1.744 1.746 1.733

7.939 8.236 9.110 9.680 10.868 12.010 12.035 12.047 12.201 12.500 12.556 12.571 12.616 12.652 12.763 12.795 12.837 3.472 3.110 3.173 3.250 3.367 3.389 3.401 3.408 3.417 3.422 3.430 3.435 3.446 3.454 3.465 3.617 3.644

Ket :1_{Sertifikat Bank Indonesia Syariah}

(19)

(20)

Penyaluran Dana (Distribution of Funds) a. Kredit (Credit)

Rupiah

Valas (Foreign Exchange) b. Antar Bank (Inter-Bank)

Giro (Demand Deposit) Inter Bank (Call M oney) Deposito (Times Deposits) Lainnya (Others)

c. Penempatan di BI (Placements at BI) Giro (Demand Deposit) SBI (BI Notes) Call M oney 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. Kew ajiban kpd BI (Liabilities ow ed to) c. Antar Bank (Inter-Bank)

d. Surat Berharga (Securities)

e. Pinjaman yang Diterima (Loans received) Rupiah

Valas (Foreign Exchange) f. Kew ajiban Lainnya (Other Liabilities) g. Setoran Jaminan (Guarantee Deposits)

Beberapa Komponen M odal (Components of Capital) a. M odal 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

2004 2005 2006 2007 2008

Jan

Feb

M ar

Apr

M ei

Jun

Jul

Ags

Sep

Okt

Nov

Des

559.470 695.648 792.297 1.002.012 1.307.688 1.289.839 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 1.437.930 438.645 565.846 638.500 791.605 1.054.289 1.033.378 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 1.228.656 120.825 129.802 153.798 210.407 253.399 256.461 260.140 244.744 223.041 213.546 215.283 212.449 216.750 200.319 198.458 197.738 209.273 103.473 159.120 156.906 139.777 213.779 212.346 231.843 236.912 223.362 233.789 229.413 219.991 236.257 252.866 240.990 262.571 261.474 7.807 11.139 9.051 11.562 40.318 33.158 46.380 47.038 38.317 44.264 35.314 31.453 38.058 45.469 37.283 50.351 68.086 40.840 90.425 83.314 58.717 81.435 86.226 94.216 100.270 99.376 105.945 109.869 102.667 110.018 117.435 117.104 128.642 110.883 20.110 17.792 20.086 12.435 20.436 19.034 19.133 20.041 22.491 22.094 19.372 21.265 22.173 22.171 21.146 21.215 20.746 34.716 39.764 44.455 57.064 71.589 73.928 72.114 69.562 63.178 61.486 64.857 64.606 66.008 67.790 65.456 62.363 61.758 207.944 209.578 343.455 418.269 322.333 346.842 342.040 341.002 350.511 332.449 348.868 333.377 339.688 319.983 353.491 347.508 397.897 77.130 102.266 125.791 167.566 83.927 84.421 87.907 86.098 86.633 86.577 86.033 88.722 89.871 92.752 92.492 97.501 101.364 94.058 54.256 179.045 203.863 166.518 208.510 216.538 208.106 211.152 195.400 204.229 194.400 193.171 182.436 190.412 199.442 212.116 31.882 39.743 21.216 35.727 49.799 32.383 24.596 27.917 36.132 35.119 41.214 36.029 39.948 29.183 50.155 32.334 60.758 4.875 13.312 17.403 11.114 22.090 21.527 12.999 18.880 16.594 15.353 17.392 14.226 16.698 15.612 20.432 18.232 23.659

37.788 44.224 55.988 108.007 113.851 116.161 127.572 132.974 132.011 140.171 142.418 141.458 141.604 133.517 130.534 144.062 134.960 6.160 6.122 5.924 5.620 6.626 6.771 6.854 7.031 6.685 6.907 7.031 8.856 9.392 9.573 9.802 9.945 10.010 18.136 25.586 25.803 28.835 50.944 47.491 45.329 49.213 39.691 36.755 38.912 42.145 42.200 38.568 39.063 38.983 39.908

963.106 1.127.937 1.287.102 1.510.834 1.753.292 1.748.814 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 1.973.042 818.208 930.160 1.093.445 1.284.797 1.460.443 1.454.098 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 1.656.625 170.843 193.854 249.564 309.335 307.743 304.465 296.132 306.440 318.118 307.896 322.879 310.550 332.449 322.254 320.491 324.641 332.729 351.460 455.038 510.008 540.982 675.983 688.743 706.408 710.330 704.041 716.659 727.752 724.064 727.176 730.861 741.724 738.416 758.280 295.905 281.268 333.873 434.480 476.717 460.891 458.728 459.459 463.916 465.915 481.822 481.459 485.210 500.472 503.722 515.662 565.616 144.898 197.777 193.657 226.037 292.849 294.716 309.830 309.928 294.844 293.174 291.358 290.548 302.204 303.665 298.146 318.233 316.417 74.879 87.558 88.447 96.216 122.257 126.515 132.721 130.519 124.716 123.243 123.926 126.563 134.657 138.169 127.814 139.738 133.159 69.530 109.995 105.155 125.726 148.722 145.091 152.545 146.411 138.028 137.361 134.349 130.047 133.818 129.802 134.609 139.630 143.429 489 224 55 4.095 21.870 23.110 24.564 32.997 32.100 32.570 33.083 33.938 33.729 35.693 35.724 38.865 39.829 12.076 11.874 10.807 9.105 11.272 11.677 13.161 15.399 12.112 9.704 8.413 8.297 7.755 8.064 7.818 8.304 8.028 89.369 99.417 119.454 137.790 158.648 153.508 158.729 157.377 140.462 139.853 135.734 135.233 135.848 125.179 123.401 128.881 134.543 14.261 13.411 14.942 17.333 14.301 14.426 14.545 14.490 14.463 15.253 16.630 17.133 17.327 13.938 14.931 14.934 14.918 9.802 11.406 12.883 14.319 12.949 13.154 13.472 9.828 10.831 10.420 12.528 10.340 11.918 17.063 15.428 12.766 21.553 6.295 8.508 7.023 8.023 8.395 8.398 8.473 8.400 8.415 8.069 7.741 7.780 7.801 8.147 8.122 8.094 13.131 3.507 2.898 5.860 6.296 4.554 4.755 4.999 1.427 2.416 2.350 4.787 2.560 4.116 8.916 7.306 4.672 8.422 13.731 16.192 19.913 24.893 34.663 32.715 31.844 28.608 30.060 25.256 25.621 22.874 26.595 25.370 22.484 27.310 22.874 3.424 3.242 3.267 4.691 5.220 5.062 5.148 4.930 4.979 5.683 5.831 5.679 5.417 5.593 5.256 5.197 5.977

64.612 69.548 73.046 78.928 86.283 86.383 86.469 86.546 87.853 88.073 88.739 89.840 89.808 93.401 94.245 94.263 96.301 5.285 10.649 13.997 18.696 21.765 21.788 21.800 21.792 22.116 22.913 24.877 25.408 25.424 24.193 24.067 24.067 24.054 29.463 24.897 28.334 35.015 30.606 3.841 7.684 12.243 15.667 19.456 23.314 27.136 30.734 34.267 38.323 41.389 45.215 -27.173 -18.478 -6.880 1.736 35.346 67.146 66.814 65.414 62.344 55.472 50.072 53.318 53.303 53.248 53.245 53.110 52.805

Tabel 1.1 Kegiatan Usaha Bank Umum (Commercial Banks Operation)

Des

(21)

Rupiah

Additional Paid-In Capital)

f. M odal pinjaman (Loan Capital)

2004 2005 2006 2007 2008

Jan

Feb

M ar

Apr

M ei

Jun

Jul

Ags

Sep

Okt

Nov

Des

222.855 256.413 287.910 356.151 470.665 463.971 471.491 480.597 484.482 491.163 511.883 512.725 523.875 518.113 524.081 531.249 544.870 171.427 204.534 231.582 282.055 396.024 389.114 395.767 407.707 418.172 428.590 446.745 449.066 459.823 462.235 468.315 475.346 486.859 51.429 51.879 56.328 74.095 74.641 74.857 75.724 72.889 66.310 62.572 65.139 63.659 64.052 55.878 55.765 55.902 58.011 28.865 44.496 47.679 41.287 62.023 61.802 64.095 74.349 67.971 75.054 73.782 70.789 85.752 89.142 80.929 94.593 99.401 2.783 2.298 2.706 3.515 12.447 11.217 15.814 20.972 15.496 18.161 12.834 9.875 17.458 22.799 19.658 27.878 35.572 11.758 28.756 29.772 15.574 26.395 25.569 23.652 26.643 29.342 34.531 36.868 34.745 39.236 36.023 34.307 41.792 39.551 3.551 3.773 3.994 3.187 3.728 4.780 5.218 5.970 5.367 4.766 3.784 3.946 4.558 4.724 4.336 4.467 4.228 10.773 9.668 11.207 19.010 19.453 20.236 19.412 20.765 17.767 17.596 20.295 22.225 24.499 25.597 22.629 20.456 20.050 64.312 72.469 101.745 151.828 114.991 111.555 98.399 84.784 91.037 85.656 92.685 86.544 81.746 73.588 88.335 84.639 135.860 35.500 41.850 52.290 78.113 33.759 32.094 31.105 30.840 30.755 30.792 31.404 32.362 32.249 32.074 32.644 32.352 39.818 15.991 10.121 29.736 46.200 36.763 57.977 53.260 34.290 39.981 32.491 34.828 32.120 28.269 26.810 23.879 31.161 42.320 9.981 14.911 9.649 20.758 34.014 13.879 8.789 11.643 16.165 16.934 20.893 16.615 15.472 11.528 24.670 15.629 43.835 2.840 5.587 10.070 6.756 10.455 7.605 5.245 8.011 4.135 5.439 5.559 5.447 5.756 3.176 7.141 5.497 9.887

12.384 10.920 11.093 29.617 28.742 25.694 29.301 30.188 30.438 33.508 33.544 34.783 34.594 30.931 29.657 41.298 35.425 3.758 3.327 2.872 1.922 1.842 1.841 1.785 1.839 1.886 1.924 1.925 1.876 1.896 1.918 1.943 1.958 2.000 8.440 13.512 10.331 10.372 14.258 13.170 12.023 17.470 11.219 10.364 12.163 13.801 14.118 11.756 12.730 12.515 13.796

375.731 431.397 480.394 571.008 669.827 649.338 645.356 654.751 657.564 659.249 684.450 677.812 696.359 694.161 699.218 720.979 783.384 333.328 373.204 426.160 509.552 588.704 569.593 562.334 570.032 575.604 578.099 602.718 595.462 601.983 604.474 610.300 619.085 680.371 63.449 70.509 88.947 121.749 123.438 114.046 106.478 104.215 109.562 102.336 110.553 107.965 112.458 107.455 108.399 110.569 136.512 128.831 166.542 176.718 179.313 235.219 234.906 238.891 247.413 246.250 256.787 261.945 259.643 261.615 260.910 265.130 265.927 274.965 141.048 136.153 160.496 208.490 230.047 220.640 216.965 218.404 219.791 218.976 230.220 227.854 227.910 236.108 236.771 242.589 268.894 42.403 58.192 54.234 61.456 81.123 79.746 83.022 84.719 81.960 81.149 81.732 82.350 94.376 89.687 88.918 101.894 103.013 19.762 23.813 23.377 24.865 28.329 31.141 32.841 34.842 32.553 30.470 30.094 30.453 39.483 37.784 31.472 37.455 36.090 22.519 34.177 30.818 36.559 45.395 41.342 42.359 41.705 41.854 42.852 43.296 43.704 46.791 43.219 48.713 55.177 57.236 123 203 38 33 7.399 7.263 7.822 8.172 7.552 7.828 8.342 8.194 8.102 8.685 8.733 9.262 9.687 7.486 7.673 6.493 5.881 5.446 5.126 5.313 4.849 4.815 4.806 4.786 4.946 4.801 4.645 4.544 4.565 4.409 43.599 33.734 33.422 41.998 52.023 52.056 51.859 52.755 45.435 49.238 47.467 52.165 49.112 42.740 43.626 45.425 45.539 9.259 8.559 9.379 9.259 5.631 5.662 5.640 5.555 5.477 6.259 8.324 8.316 8.490 5.059 5.009 5.010 5.043 7.417 9.021 6.750 6.714 3.880 3.875 3.855 3.793 4.859 4.472 6.350 4.072 5.626 10.825 9.196 6.767 15.886 4.645 6.666 4.482 4.118 3.618 3.601 3.575 3.521 3.502 3.152 3.043 2.802 2.821 3.166 3.132 3.325 8.629 2.773 2.354 2.268 2.595 262 274 281 272 1.357 1.321 3.306 1.269 2.805 7.659 6.064 3.443 7.257 4.539 4.993 5.366 7.578 7.174 7.208 6.730 7.132 7.949 7.115 7.392 7.025 7.863 7.351 7.165 8.003 7.324 1.955 1.747 1.645 2.391 2.838 2.947 2.942 2.861 2.701 2.786 3.093 2.973 2.667 2.904 2.892 2.901 3.401

27.284 27.439 27.751 28.572 29.965 29.965 29.965 29.965 29.965 29.978 29.992 29.992 29.992 26.992 26.993 27.000 28.179 1.880 5.933 8.097 10.837 12.363 12.385 12.397 12.363 12.359 12.761 13.201 13.731 13.734 12.502 12.410 12.410 12.402 12.501 9.185 9.644 13.332 13.159 1.395 2.778 4.017 5.136 6.354 8.101 9.218 10.550 11.579 13.361 14.650 18.050 -14.278 -13.528 -12.107 -10.772 7.508 21.495 21.418 20.663 20.662 18.136 17.601 14.714 14.727 14.704 14.704 14.704 14.300

25.133 9.815 13.145 15.864 11.961 12.181 12.210 12.459 13.081 13.429 13.650 14.223 14.143 14.280 14.089 14.635 15.398 1.255 13.844 13.844 13.908 0 0 0 0 0 - - -

-Tabel 1.2 Kegiatan Usaha Bank Persero (State Ow ned Banks Operation)

Des

(22)

2 0 0 9

Rupiah

2004 2005 2006 2007 2008

Jan

Feb

M ar

Apr

M ei

Jun

Jul

Ags

Sep

Okt

Nov

Des

209.176 277.591 315.256 407.742 524.295 510.577 509.396 502.127 498.159 497.546 505.360 501.951 510.840 518.445 519.464 532.020 555.617 181.832 248.996 276.768 351.351 452.613 439.066 437.822 439.207 441.137 441.600 447.973 446.281 452.929 462.286 463.016 474.967 492.045 27.344 28.594 38.488 56.390 71.682 71.511 71.574 62.920 57.022 55.946 57.388 55.670 57.911 56.159 56.448 57.053 63.573 28.133 48.464 45.908 37.716 57.016 54.626 62.982 58.091 58.201 63.312 57.750 58.726 58.736 63.619 59.730 66.340 58.649 2.951 4.965 3.514 3.191 21.825 17.942 24.884 19.789 17.008 21.114 16.171 16.257 15.322 16.467 11.252 14.913 23.580 13.068 27.163 23.795 16.692 16.350 15.664 18.843 20.693 22.743 25.197 23.504 24.439 26.782 28.047 30.572 32.450 17.242 2.141 4.455 3.887 2.783 5.355 5.702 5.503 4.393 4.994 4.804 5.197 5.815 4.879 5.966 5.294 6.266 4.842 9.973 11.882 14.712 15.050 13.486 15.318 13.751 13.216 13.455 12.198 12.877 12.216 11.753 13.138 12.612 12.712 12.986 92.738 75.913 133.141 146.616 116.730 134.193 139.126 145.405 145.760 142.162 149.022 144.767 151.561 146.950 161.474 166.048 173.090 30.341 43.510 49.313 54.966 32.354 35.313 39.261 37.410 38.061 37.553 36.910 38.029 38.929 42.274 41.193 46.731 42.473 53.903 15.898 79.344 83.476 73.834 88.304 94.328 101.662 97.026 95.542 104.048 95.384 98.682 98.247 107.484 111.076 118.589 8.151 14.788 4.484 8.148 6.909 7.768 4.934 5.402 8.902 7.451 5.336 8.096 11.648 3.384 10.355 5.142 6.583 344 1.716 - 26 3.633 2.808 603 931 1.770 1.616 2.728 3.258 2.302 3.045 2.443 3.099 5.444

19.034 23.809 29.702 55.471 59.650 66.226 69.968 72.289 71.389 73.254 75.727 74.127 75.192 72.246 70.114 69.578 69.002 2.050 2.616 2.979 3.613 4.681 4.827 4.966 5.087 4.690 4.873 4.996 6.870 7.386 7.544 7.718 7.846 7.888 4.827 6.427 8.620 10.892 17.401 16.007 16.089 15.851 14.941 13.789 14.356 15.179 15.977 15.032 14.534 14.771 14.500

403.530 462.747 525.177 606.932 701.710 706.082 717.938 711.545 709.138 711.150 719.751 715.713 729.446 738.571 737.653 755.441 781.072 357.288 397.939 455.098 528.154 597.459 601.147 606.359 600.180 599.959 602.236 612.995 608.529 621.437 625.657 629.160 641.396 668.798 60.240 58.170 68.884 91.502 89.607 87.163 86.499 88.561 90.314 90.259 97.669 92.917 103.252 100.042 98.207 105.063 104.102 162.725 217.098 244.890 252.222 309.732 317.523 321.224 313.512 309.302 309.301 308.852 308.232 307.462 309.021 312.578 313.639 326.063 134.323 122.671 141.324 184.429 198.120 196.461 198.637 198.107 200.342 202.675 206.474 207.380 210.723 216.594 218.374 222.693 238.632 46.242 64.808 70.079 78.778 104.251 104.935 111.578 111.365 109.179 108.914 106.756 107.184 108.009 112.913 108.493 114.046 112.274 27.402 32.992 35.216 36.676 47.875 48.142 50.523 45.425 46.227 46.994 47.365 49.284 49.537 53.402 48.661 53.000 49.827 18.812 31.794 34.845 42.082 51.326 51.629 55.643 52.502 49.441 48.373 45.531 43.816 44.474 44.397 44.682 45.522 46.729 28 21 17 21 5.051 5.164 5.413 13.438 13.511 13.547 13.860 14.084 13.998 15.113 15.150 15.523 15.718 4.105 3.739 4.151 3.109 3.910 3.709 4.085 5.326 4.665 3.292 2.826 2.694 2.386 3.012 2.622 2.655 2.780 18.512 31.276 40.308 49.041 48.388 46.879 50.629 46.418 37.970 36.707 37.600 33.473 34.672 38.366 33.977 35.877 37.640 2.631 2.721 2.537 4.768 5.383 5.477 5.619 5.649 5.693 5.720 5.701 5.631 5.650 5.649 6.457 6.459 6.415 1.612 1.419 5.168 6.455 7.683 7.871 8.106 4.525 4.428 4.398 4.671 4.535 4.545 4.480 4.471 4.456 3.980 1.094 876 1.576 2.754 3.391 3.390 3.388 3.370 3.369 3.368 3.190 3.244 3.234 3.223 3.229 3.227 2.815 517 544 3.592 3.701 4.292 4.481 4.718 1.156 1.059 1.030 1.481 1.291 1.311 1.257 1.242 1.230 1.165 5.235 5.499 6.268 6.338 9.834 9.005 10.086 9.282 10.163 9.751 10.007 8.333 9.520 10.825 8.793 12.164 7.190 746 558 749 886 794 789 894 801 910 943 873 892 916 879 894 949 1.022

20.435 22.490 24.524 25.523 27.969 28.069 28.075 27.494 28.683 28.683 28.873 29.909 29.883 36.798 36.438 36.713 36.846 1.461 2.462 3.332 4.646 5.186 5.186 5.186 5.191 5.193 5.323 6.161 6.060 6.066 6.067 6.047 6.047 6.047 10.571 9.294 9.822 11.735 4.809 1.047 2.166 3.556 4.921 6.057 6.978 8.519 9.906 11.491 12.748 13.715 14.205 -13.590 -9.096 -925 4.468 14.948 19.617 19.494 19.614 18.932 17.376 14.878 21.371 21.348 21.096 21.094 21.065 21.284

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

Des

(23)

2 0 0 9

Rupiah

Additional Paid-In Capital)

f. M odal pinjaman (Loan Capital)

2004 2005 2006 2007 2008

Jan

Feb

M ar

Apr

M ei

Jun

Jul

Ags

Sep

Okt

Nov

Des

15.101 16.842 19.114 23.863 27.122 26.918 28.374 26.261 26.683 27.308 28.323 30.069 31.306 31.917 33.057 34.165 35.700 15.101 16.842 19.114 23.863 27.122 26.918 28.374 26.261 26.683 27.308 28.323 30.069 31.306 31.917 33.057 34.165 35.700 - - - - - - - 1.107 1.136 1.509 1.604 1.238 1.341 1.546 1.743 1.512 1.848 2.093 1.491 1.602 1.846 1.538 1.666 2.399 58 266 297 440 121 84 107 134 136 115 117 106 104 131 87 104 92 215 380 720 556 205 454 618 695 481 842 1.063 506 546 792 505 560 1.322 75 49 25 59 28 41 44 86 77 76 77 84 102 84 67 127 128 759 440 467 549 884 762 777 828 819 814 837 795 850 840 878 875 857 4.362 4.892 5.558 9.238 8.503 9.271 9.736 9.647 9.400 9.384 9.166 9.253 9.339 8.911 9.892 9.178 10.053 1.265 1.502 1.666 2.021 1.678 1.699 2.030 1.678 1.720 1.736 1.831 1.876 1.941 1.985 2.109 2.153 2.193 2.260 2.529 3.172 6.352 5.393 5.733 6.626 6.503 5.986 5.500 6.124 6.312 5.974 5.594 6.310 5.683 6.321 867 842 713 621 807 756 471 916 1.082 1.417 685 764 894 779 861 817 975 2 18 6 243 625 1.084 610 550 611 731 526 302 530 552 612 526 564

670 902 1.100 1.521 2.812 2.653 2.739 2.667 3.010 3.159 4.010 3.697 3.905 4.143 4.031 4.147 4.528 17 1 - - 0 0 0 0 0 0 0 0 0 0 0 0 0 3 104 52 187 61 62 46 35 36 96 94 83 38 5 5 23 74

19.166 21.970 24.423 30.491 33.213 33.817 35.454 33.414 34.041 35.147 37.060 37.685 38.856 39.260 39.926 40.500 43.980 19.166 21.970 24.423 30.491 33.213 33.817 35.454 33.414 34.041 35.147 37.060 37.685 38.843 39.260 39.926 40.500 43.979 1.900 1.798 1.811 2.195 1.779 1.802 1.883 1.562 1.578 2.249 2.008 1.918 2.009 2.086 2.079 1.939 2.183 15.049 18.052 20.234 25.103 28.059 28.713 29.958 28.615 29.107 29.478 31.281 32.033 32.860 33.235 33.922 34.566 37.635 2.217 2.120 2.379 3.194 3.375 3.303 3.613 3.238 3.355 3.420 3.771 3.734 3.974 3.939 3.924 3.994 4.161 - - - - 0 0 0 - - - - - 13 - - - 0 - - - - 0 0 0 - - - 0 - - - 0 - - - - - - - - 13 - - - 0 - - - - - - - -229 250 20 17 388 136 11 347 33 10 162 40 82 41 274 82 67 341 309 802 2.017 1.088 1.459 1.340 1.256 1.145 1.159 1.154 1.211 1.301 1.626 1.370 1.912 2.272 28 - - 309 301 301 301 301 301 301 273 273 273 283 1.027 1.026 1.021

67 68 59 62 76 85 93 92 90 89 87 313 312 310 309 80 128

- - - - - - - -240 129 161 226 244 282 316 269 323 309 321 337 355 367 340 365 311

2 24 26 6 8 8 11 7 7 7 7 5 5 5 5 5 6

1.839 1.984 2.258 3.042 3.693 3.693 3.773 3.623 3.633 3.633 3.985 3.985 3.988 3.872 4.265 4.265 4.295 122 160 194 200 217 219 219 228 231 231 254 258 258 257 257 257 254 498 279 399 765 604 17 62 98 137 188 191 319 348 373 407 417 360 354 575 677 921 1.332 1.897 1.882 1.750 1.719 1.691 1.634 1.626 1.626 1.595 1.594 1.594 1.503

38 -6 46 47 -1 2 -21 19 36 93 13 91 73 123 67 55 89

63 64 87 256 459 459 379 627 626 626 378 378 628 644 444 444 528