Statistik Perbankan Indonesia - Vol. 17 No. 6 Mei 2019 Indonesia Banking Statistics - Vol. 17 No. 6 May 2019
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1
Mei Jun Jul Ags Sep Okt Nov Des Jan Feb Mar Apr Mei
Aset Produktif Neraca 5.002.520 5.518.889 6.128.486 6.291.559 6.380.741 6.371.903 6.439.727 6.551.890 6.651.733 6.643.223 6.668.813 6.643.397 6.698.000 6.833.643 6.767.648 6.806.622 Earning Assets a. Lancar 4.719.729 5.209.001 5.799.860 5.915.108 5.986.304 5.989.839 6.044.410 6.162.699 6.273.022 6.252.438 6.317.761 6.249.804 6.274.638 6.420.360 6.345.051 6.394.978 a. Current b. DPK 183.815 184.315 209.715 244.510 263.662 248.195 259.998 255.293 243.467 255.134 226.493 261.987 288.982 281.384 287.326 271.468 b. Special Mention c. Kurang Lancar 18.446 26.195 20.855 23.048 19.587 22.489 22.339 21.679 22.454 24.345 21.216 23.853 20.175 16.043 20.417 20.644 c. Sub-Standard d. Diragukan 12.754 14.853 16.540 20.294 21.453 19.137 20.981 20.291 17.594 16.535 15.858 17.250 21.981 23.778 19.100 21.147 d. Doubtful
e. Macet 67.775 84.525 81.516 88.599 89.735 92.243 91.999 91.928 95.196 94.772 87.486 90.503 92.225 92.077 95.754 98.385 e. Loss Aset Produktif Transaksi
Rekening Administratif 1)
1.586.820 1.677.733 1.825.924 1.876.115 1.866.574 1.888.023 1.977.575 1.975.348 2.013.881 1.975.671 2.001.032 2.017.342 2.008.997 1.971.091 1.991.923 1.976.042 Earning Assets - Account Administrative Transactions 1) a. Lancar 1.560.089 1.651.573 1.800.549 1.844.990 1.835.211 1.855.490 1.946.874 1.944.194 1.983.873 1.945.875 1.971.636 1.987.452 1.979.409 1.942.503 1.960.991 1.947.432 a. Current
b. DPK 23.182 22.682 22.483 28.222 28.047 28.784 27.640 27.740 27.072 26.934 26.377 26.986 26.490 25.320 27.669 25.238 b. Special Mention c. Kurang Lancar 1.731 1.648 1.553 1.425 1.662 2.338 1.542 1.666 1.373 1.335 1.254 935 1.153 1.321 1.317 1.381 c. Sub-Standard d. Diragukan 248 1.003 383 344 365 284 423 282 276 256 281 869 787 767 734 773 d. Doubtful
e. Macet 1.570 827 956 1.133 1.288 1.128 1.098 1.465 1.288 1.271 1.485 1.100 1.158 1.180 1.211 1.216 e. Lost Non Performing Earning Aset
(Nominal) 102.525 129.051 121.803 134.843 134.090 137.618 138.381 137.310 138.180 138.513 127.579 134.509 137.479 135.166 138.533 143.547 Non Performing Earning Asset (Nominal)
Kredit kepada Bank Lain 34.200 36.220 43.987 51.185 54.632 54.692 52.011 54.953 56.421 58.069 63.130 62.593 59.452 59.105 57.855 60.831 Interbank Loans a. Lancar 34.099 36.106 43.873 51.086 54.537 54.538 51.906 54.836 56.318 57.964 63.029 62.492 59.329 58.970 57.749 60.718 a. Current b. DPK 16 19 14 1 1 59 9 21 8 14 9 11 33 55 26 32 b. Special Mention c. Kurang Lancar - - - 0 - 0 - - - - 1 1 1 1 0 1 c. Sub-Standard d. Diragukan - - - - 0 0 - - - - d. Doubtful e. Macet 85 94 100 97 93 95 95 96 95 91 91 89 89 80 80 80 e. Loss
Non Performing Loan kepada
Bank Lain (Nominal) 85 94 100 97 93 95 96 96 95 91 92 90 90 81 80 81 Interbank Non Performing Loan (Nominal)
1) - There is a correction in January 2011 until March 2013 where numbers on the arning assets - account administrative transactions and the numbers of Non Performing Assets earning who has published is a number of earning assets as a credit.
- Since the period of April 2013, numbers on the Earning Assets - Acoount administrative transactions is commited and contingent liabilities that include issuance of guarantees, letters of credit, standby letters of credit, unused borrowing, and/or other commited and contengent liabilities, so the number of Non Performing Earning assets is the total of non-performing earning assets on the balance sheet and non-performing earning assets on the account administrative transactions - There is a correction in the period October 2012 s.d. January 2014, which is based on PBI No.14/15/PBI/2012 Commercial Bank Asset Quality Rating for the numbers on Earning Assets Balance Sheet (TRA) TRA has covers that are committed (which does not meet the criteria as uncommitted) and uncommitted (giving facilities are in agreement contains a clause that the Bank may cancel or do not meet the conditions or facilities for some reason) - Since the period of February 2014 is the number at the TRA commitments and contingent liabilities which include the issuance of guarantee letters of credit, standby letters of credit, undrawn credit facilities (committed and uncommitted), and / or other contingent liabilities and commitments, so the numbers non-Performing assets Earning is the total of non-performing assets on the balance sheet and earnings of non-performing assets in the TRA.
1) - Terdapat koreksi pada periode Januari 2011 s.d Maret 2013 dimana angka pada Aset Produktif Transaksi Rekening Administratif (TRA) dan angka pada Non Performing Earning Aset yang telah dipublikasikan merupakan angka aset produktif pada neraca dalam bentuk kredit.
- Sejak periode April 2013 angka pada TRA adalah kewajiban komitmen dan kontijensi yang antara lain meliputi penerbitan jaminan letter of credit, standby letter of credit, fasilitas kredit yang belum ditarik, dan/atau kewajiban komitmen dan kontijensi lain, sehingga angka Non Performing Earning Asset adalah total dari non performing asset pada neraca dan non performing earning aset pada TRA.
- Terdapat koreksi pada periode Oktober 2012 s.d. Januari 2014, yaitu berdasarkan PBI No.14/15/PBI/2012 tentang Penilaian Kualitas Aset Bank Umum maka angka pada Aset Produktif Transaksi Rekening Administratif (TRA) telah mencakup TRA yang bersifat committed (yang tidak memenuhi kriteria sebagai uncommitted) dan uncommitted (pemberian fasilitas yang dalam perjanjiannya memuat klausula bahwa Bank dapat membatalkan atau tidak memenuhi fasilitas karena kondisi atau alasan tertentu)
- Sejak periode Februari 2014 angka pada TRA adalah kewajiban komitmen dan kontijensi yang antara lain meliputi penerbitan jaminan letter of credit, standby letter of credit, fasilitas kredit yang belum ditarik (committed dan uncommitted), dan/atau kewajiban komitmen dan kontijensi lain, sehingga angka Non Performing Earning Asset adalah total dari non performing asset pada neraca dan non performing earning asset pada TRA.
Tabel 1.31.a. Aset Produktif Bank Umum Konvensional dan Kualitas Kredit Bank Umum kepada Bank Lain (Earning Assets of Commercial Banks and Credit Quality of Commercial Banks to Other Bank)
Miliar Rp (Billion Rp)
Indicator Indikator
2018 2017
2015 2016
2019
94
Statistik Perbankan Indonesia - Vol. 17 No. 6 Mei 2019 Indonesia Banking Statistics - Vol. 17 No. 6 May 2019
Mei Jun Jul Ags Sep Okt Nov Des Jan Feb Mar Apr Mei
Aset Produktif Neraca 1.960.362 2.235.880 2.578.753 2.627.440 2.669.405 2.666.006 2.693.992 2.778.313 2.823.262 2.851.399 2.893.140 2.849.879 2.878.996 2.916.370 2.884.558 2.935.109 Earning Assets a. Lancar 1.846.369 2.108.233 2.437.437 2.465.705 2.501.675 2.504.107 2.529.891 2.611.533 2.658.101 2.683.574 2.740.308 2.680.753 2.697.705 2.740.402 2.698.892 2.756.411 a. Current b. DPK 75.823 74.946 89.621 104.631 111.064 105.447 106.747 108.795 106.058 109.157 98.144 111.334 122.597 118.034 125.320 116.387 b. Special Mention c. Kurang Lancar 7.963 14.490 11.307 12.776 11.551 11.726 11.937 11.711 12.881 12.785 12.039 12.961 10.790 9.103 10.779 10.781 c. Sub-Standard d. Diragukan 4.584 5.209 7.072 10.449 10.887 9.155 10.991 11.087 8.523 8.071 7.669 7.181 9.491 10.424 8.971 9.415 d. Doubtful
e. Macet 25.624 33.002 33.316 33.879 34.227 35.571 34.426 35.189 37.699 37.812 34.980 37.651 38.415 38.407 40.596 42.115 e. Loss Aset Produktif Transaksi
Rekening Administratif 1)
463.182 510.689 545.767 545.933 539.837 545.036 583.572 590.390 604.113 602.773 613.343 605.624 598.249 578.003 585.710 593.589 Earning Assets - Account Administrative Transactions 1) a. Lancar 455.919 504.079 539.307 537.772 531.219 536.173 575.641 581.941 595.877 594.559 605.260 597.656 589.836 569.917 576.174 585.195 a. Current
b. DPK 6.553 5.326 5.991 7.584 7.810 8.316 7.363 7.708 7.417 7.389 7.237 7.165 7.593 7.226 8.692 7.421 b. Special Mention c. Kurang Lancar 198 209 142 178 212 135 136 310 335 349 391 132 143 145 158 250 c. Sub-Standard d. Diragukan 81 810 91 100 135 127 158 159 144 154 172 385 321 336 302 321 d. Doubtful
e. Macet 431 265 237 298 461 285 275 273 340 321 282 287 356 379 385 402 e. Loss Non Performing Earning Aset
(Nominal) 38.881 53.985 52.164 57.681 57.473 57.000 57.922 58.728 59.922 59.492 55.533 58.596 59.515 58.794 61.191 63.285 Non Performing Earning Asset (Nominal)
Kredit kepada Bank Lain 5.591 5.417 5.379 5.298 7.413 7.090 7.349 7.196 5.911 5.796 5.188 5.040 4.801 4.651 3.866 2.454 Interbank Loans a. Lancar 5.520 5.342 5.304 5.222 7.335 7.012 7.270 7.116 5.832 5.720 5.112 4.966 4.726 4.577 3.792 2.380 a. Current b. DPK 0 0 0 0 0 - - 1 - - 0 0 0 0 - 0 b. Special Mention c. Kurang Lancar - - - 0 - - - 0 - c. Sub-Standard d. Diragukan - - - 0 0 - - - - d. Doubtful e. Macet 71 74 75 76 77 78 79 79 79 76 76 74 74 74 74 74 e. Loss
Non Performing Loan kepada
Bank Lain (Nominal) 71 74 75 76 77 78 79 80 79 76 76 74 74 74 74 74 Interbank Non Performing Loan (Nominal)
1) - Terdapat koreksi pada periode Januari 2011 s.d Maret 2013 dimana angka pada Aset Produktif Transaksi Rekening Administratif (TRA) dan angka pada Non Performing Earning Aset yang telah dipublikasikan merupakan angka aset produktif pada neraca dalam bentuk kredit.
- Sejak periode April 2013 angka pada TRA adalah kewajiban komitmen dan kontijensi yang antara lain meliputi penerbitan jaminan letter of credit, standby letter of credit, fasilitas kredit yang belum ditarik, dan/atau kewajiban komitmen dan kontijensi lain, sehingga angka Non Performing Earning Asset adalah total dari non performing asset pada neraca dan non performing earning aset pada TRA.
- Terdapat koreksi pada periode Oktober 2012 s.d. Januari 2014, yaitu berdasarkan PBI No.14/15/PBI/2012 tentang Penilaian Kualitas Aset Bank Umum maka angka pada Aset Produktif Transaksi Rekening Administratif (TRA) telah mencakup TRA yang bersifat committed (yang tidak memenuhi kriteria sebagai uncommitted) dan uncommitted (pemberian fasilitas yang dalam perjanjiannya memuat klausula bahwa Bank dapat membatalkan atau tidak memenuhi fasilitas karena kondisi atau alasan tertentu)
- Sejak periode Februari 2014 angka pada TRA adalah kewajiban komitmen dan kontijensi yang antara lain meliputi penerbitan jaminan letter of credit, standby letter of credit, fasilitas kredit yang belum ditarik (committed dan uncommitted), dan/atau kewajiban komitmen dan kontijensi lain, sehingga angka Non Performing Earning Asset adalah total dari non performing asset pada neraca dan non performing earning asset pada TRA.
1) - There is a correction in January 2011 until March 2013 where numbers on the arning assets - account administrative transactions and the numbers of Non Performing Assets earning who has published is a number of earning assets as a credit.
- Since the period of April 2013, numbers on the Earning Assets - Acoount administrative transactions is commited and contingent liabilities that include issuance of guarantees, letters of credit, standby letters of credit, unused borrowing, and/or other commited and contengent liabilities, so the number of Non Performing Earning assets is the total of non-performing earning assets on the balance sheet and non-performing earning assets on the account administrative transactions - There is a correction in the period October 2012 s.d. January 2014, which is based on PBI No.14/15/PBI/2012 Commercial Bank Asset Quality Rating for the numbers on Earning Assets Balance Sheet (TRA) TRA has covers that are committed (which does not meet the criteria as uncommitted) and uncommitted (giving facilities are in agreement contains a clause that the Bank may cancel or do not meet the conditions or facilities for some reason) - Since the period of February 2014 is the number at the TRA commitments and contingent liabilities which include the issuance of guarantee letters of credit, standby letters of credit, undrawn credit facilities (committed and uncommitted), and / or other contingent liabilities and commitments, so the numbers non-Performing assets Earning is the total of non-performing assets on the balance sheet and earnings of non-performing assets in the TRA.
2017
2018
Tabel 1.32.a. Aset Produktif Bank Persero dan Kualitas Kredit Bank Persero kepada Bank Lain (Earning Asset of State Owned Banks and Credit Quality of State Owned Banks to Other Bank)
Miliar Rp (Billion Rp)
Indikator 2015 2016 Indicator
2019
95
Mei Jun Jul Ags Sep Okt Nov Des Jan Feb Mar Apr Mei
Aset Produktif Neraca 1.835.674 2.139.165 2.384.379 2.412.044 2.428.136 2.432.630 2.455.513 2.455.438 2.489.162 2.469.181 2.488.313 2.487.673 2.582.956 2.623.591 2.603.021 2.621.028 Earning Assets a. Lancar 1.726.573 2.011.962 2.247.121 2.251.668 2.258.174 2.267.373 2.279.369 2.290.918 2.332.776 2.302.893 2.342.865 2.321.497 2.396.790 2.440.404 2.420.406 2.442.772 a. Current b. DPK 73.507 76.417 90.308 107.503 118.779 111.624 121.614 111.682 102.838 111.961 96.716 114.831 132.933 131.526 130.014 123.687 b. Special Mention c. Kurang Lancar 4.597 8.977 7.211 7.426 4.709 7.370 7.342 7.420 7.016 8.947 6.877 8.405 7.176 4.964 7.255 6.979 c. Sub-Standard d. Diragukan 5.549 7.614 7.502 7.651 8.256 6.747 6.724 6.092 6.997 6.560 6.322 7.908 9.824 11.162 8.094 9.485 d. Doubtful
e. Macet 25.447 34.195 32.237 37.796 38.219 39.515 40.464 39.327 39.535 38.820 35.533 35.033 36.233 35.535 37.251 38.105 e. Loss Aset Produktif Transaksi
Rekening Administratif 1)
544.346
594.287 728.017 767.029 753.914 760.719 783.978 776.690 789.019 771.304 781.812 805.491 898.695 892.888 895.446 876.753 Earning Assets - Account Administrative Transactions 1) a. Lancar 537.916 590.625 722.750 759.873 746.050 754.193 777.618 770.503 783.850 766.172 776.552 800.120 891.009 885.977 887.458 868.790 a. Current
b. DPK 5.638 3.354 4.520 6.541 7.248 5.922 5.742 5.367 4.586 4.586 4.329 4.494 6.807 5.994 7.085 7.036 b. Special Mention c. Kurang Lancar 98 61 358 141 147 198 210 175 174 187 222 163 205 274 242 250 c. Sub-Standard d. Diragukan 98 82 256 176 162 102 98 90 102 76 91 463 440 388 391 409 d. Doubtful
e. Macet 596 165 134 298 306 304 309 556 306 282 618 252 234 254 270 268 e. Loss Non Performing Earning Aset
(Nominal) 36.386 51.094 47.697 53.488 51.799 54.236 55.148 53.660 54.131 54.873 49.663 52.224 54.112 52.577 53.504 55.496 Non Performing Earning Asset (Nominal)
Kredit kepada Bank Lain 12.715 16.514 23.628 30.246 31.234 30.765 28.223 30.778 33.305 34.738 38.188 37.725 36.639 36.798 36.273 39.826 Interbank Loans a. Lancar 12.695 16.492 23.605 30.240 31.234 30.728 28.214 30.758 33.297 34.724 38.179 37.716 36.608 36.748 36.249 39.799 a. Current b. DPK 16 12 13 0 - 37 9 19 8 14 9 9 31 50 23 27 b. Special Mention c. Kurang Lancar - - - 0 - - - - c. Sub-Standard d. Diragukan - - - - d. Doubtful e. Macet 5 9 9 6 0 0 0 0 0 0 0 0 0 0 0 0 e. Loss
Non Performing Loan kepada
Bank Lain (Nominal) 5 9 9 6 0 0 0 0 0 0 0 0 0 0 0 0 Interbank Non Performing Loan (Nominal)
Indicator
Tabel 1.33.a. Aset Produktif BUSN Devisa dan Kualitas Kredit BUSN Devisa kepada Bank Lain
(Earning Asset of Foreign Exchange Banks and Credit Quality of Foreign Exchange Banks to Other Bank) Miliar Rp (Billion Rp)
2015 2017
2018 2019
1) - Terdapat koreksi pada periode Januari 2011 s.d Maret 2013 dimana angka pada Aset Produktif Transaksi Rekening Administratif (TRA) dan angka pada Non Performing Earning Aset yang telah dipublikasikan merupakan angka aset produktif pada neraca dalam bentuk kredit.
- Sejak periode April 2013 angka pada TRA adalah kewajiban komitmen dan kontijensi yang antara lain meliputi penerbitan jaminan letter of credit, standby letter of credit, fasilitas kredit yang belum ditarik, dan/atau kewajiban komitmen dan kontijensi lain, sehingga angka Non Performing Earning Asset adalah total dari non performing asset pada neraca dan non performing earning aset pada TRA.
- Terdapat koreksi pada periode Oktober 2012 s.d. Januari 2014, yaitu berdasarkan PBI No.14/15/PBI/2012 tentang Penilaian Kualitas Aset Bank Umum maka angka pada Aset Produktif Transaksi Rekening Administratif (TRA) telah mencakup TRA yang bersifat committed (yang tidak memenuhi kriteria sebagai uncommitted) dan uncommitted (pemberian fasilitas yang dalam perjanjiannya memuat klausula bahwa Bank dapat membatalkan atau tidak memenuhi fasilitas karena kondisi atau alasan tertentu)
- Sejak periode Februari 2014 angka pada TRA adalah kewajiban komitmen dan kontijensi yang antara lain meliputi penerbitan jaminan letter of credit, standby letter of credit, fasilitas kredit yang belum ditarik (committed dan uncommitted), dan/atau kewajiban komitmen dan kontijensi lain, sehingga angka Non Performing Earning Asset adalah total dari non performing asset pada neraca dan non performing earning asset pada TRA.
1) - There is a correction in January 2011 until March 2013 where numbers on the arning assets - account administrative transactions and the numbers of Non Performing Assets earning who has published is a number of earning assets as a credit.
- Since the period of April 2013, numbers on the Earning Assets - Acoount administrative transactions is commited and contingent liabilities that include issuance of guarantees, letters of credit, standby letters of credit, unused borrowing, and/or other commited and contengent liabilities, so the number of Non Performing Earning assets is the total of non-performing earning assets on the balance sheet and non-performing earning assets on the account administrative transactions - There is a correction in the period October 2012 s.d. January 2014, which is based on PBI No.14/15/PBI/2012 Commercial Bank Asset Quality Rating for the numbers on Earning Assets Balance Sheet (TRA) TRA has covers that are committed (which does not meet the criteria as uncommitted) and uncommitted (giving facilities are in agreement contains a clause that the Bank may cancel or do not meet the conditions or facilities for some reason) - Since the period of February 2014 is the number at the TRA commitments and contingent liabilities which include the issuance of guarantee letters of credit, standby letters of credit, undrawn credit facilities (committed and uncommitted), and / or other contingent liabilities and commitments, so the numbers non-Performing assets Earning is the total of non-performing assets on the balance sheet and earnings of non-performing assets in the TRA.
Indikator 2016
96
Statistik Perbankan Indonesia - Vol. 17 No. 6 Mei 2019 Indonesia Banking Statistics - Vol. 17 No. 6 May 2019
Mei Jun Jul Ags Sep Okt Nov Des Jan Feb Mar Apr Mei
Aset Produktif Neraca 122.537 39.021 47.892 53.283 53.275 53.399 53.994 55.061 55.150 55.656 55.239 57.519 58.429 61.025 61.188 63.474 Earning Assets a. Lancar 115.522 36.581 44.904 49.313 49.224 49.511 50.030 51.320 51.053 51.449 51.408 53.431 53.898 56.415 56.852 59.383 a. Current b. DPK 5.332 1.777 2.028 2.766 2.780 2.598 2.665 2.410 2.768 2.845 2.717 2.418 2.875 2.928 2.998 2.727 b. Special Mention c. Kurang Lancar 418 129 162 174 191 152 158 171 168 193 163 234 238 213 282 317 c. Sub-Standard d. Diragukan 396 95 158 215 269 269 252 245 248 237 219 227 218 262 263 272 d. Doubtful
e. Macet 869 439 640 816 810 869 888 914 913 931 731 1.209 1.201 1.207 793 774 e. Loss Aset Produktif Transaksi
Rekening Administratif 1)
9.387 2.926 3.333 3.080 3.010 3.262 3.340 3.327 3.368 3.468 3.147 3.411 3.409 3.465 3.412 3.625 Earning Assets - Account Administrative Tran sactions 1) a. Lancar 9.344 2.909 3.271 3.028 2.956 3.211 3.288 3.272 3.313 3.411 3.096 3.354 3.353 3.396 3.360 3.573 a. Current
b. DPK 40 15 58 3 7 5 6 9 9 10 4 9 8 22 4 4 b. Special Mention c. Kurang Lancar 0 0 0 0 0 0 0 0 0 1 0 - 0 0 0 - c. Sub-Standard d. Diragukan 0 0 0 45 45 0 0 0 0 0 1 1 0 0 0 0 d. Doubtful
e. Macet 2 2 4 5 1 46 46 46 47 47 47 47 47 47 48 47 e. Loss Non Performing Earning Aset
(Nominal) 1.685 665 965 1.255 1.317 1.337 1.345 1.377 1.375 1.409 1.161 1.717 1.704 1.730 1.385 1.411 Non Performing Earning Asset (Nominal)
Kredit kepada Bank Lain 1.025 783 813 865 849 832 798 775 762 730 730 684 666 676 699 736 Interbank Loans a. Lancar 1.021 779 811 863 847 831 797 774 760 728 729 681 664 674 697 734 a. Current b. DPK - - - 1 1 1 2 1 b. Special Mention c. Kurang Lancar - - - 1 1 1 1 - 1 c. Sub-Standard d. Diragukan - - - - d. Doubtful e. Macet 4 4 2 2 2 2 1 1 1 1 - - - - e. Loss
Non Performing Loan kepada
Bank Lain (Nominal) 4 4 2 2 2 2 1 1 1 1 1 1 1 1 - 1 Interbank Non Performing Loan (Nominal)
Indicator 2016