Statistik Perbankan Indonesia - Vol. 17 No. 9 Agustus 2019 Indonesia Banking Statistics - Vol. 17 No. 9 August 2019
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1
Ags Sep Okt Nov Des Jan Feb Mar Apr Mei Juni Jul Ags
Aset Produktif Neraca 5.002.520 5.518.889 6.128.486 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 6.959.796 6.954.780 6.950.111 Earning Assets a. Lancar 4.719.729 5.209.001 5.799.860 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 6.532.677 6.530.912 6.517.510 a. Current b. DPK 183.815 184.315 209.715 259.998 255.293 243.467 255.134 226.493 261.987 288.982 281.384 287.326 271.468 291.448 285.627 291.069 b. Special Mention c. Kurang Lancar 18.446 26.195 20.855 22.339 21.679 22.454 24.345 21.216 23.853 20.175 16.043 20.417 20.644 18.015 18.762 20.564 c. Sub-Standard d. Diragukan 12.754 14.853 16.540 20.981 20.291 17.594 16.535 15.858 17.250 21.981 23.778 19.100 21.147 22.333 20.274 17.999 d. Doubtful
e. Macet 67.775 84.525 81.516 91.999 91.928 95.196 94.772 87.486 90.503 92.225 92.077 95.754 98.385 95.323 99.205 102.969 e. Loss Aset Produktif Transaksi
Rekening Administratif 1)
1.586.820 1.677.733 1.825.924 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 1.940.193 1.938.602 2.041.196 Earning Assets - Account Administrative Transactions 1) a. Lancar 1.560.089 1.651.573 1.800.549 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 1.911.136 1.911.279 2.013.493 a. Current
b. DPK 23.182 22.682 22.483 27.640 27.740 27.072 26.934 26.377 26.986 26.490 25.320 27.669 25.238 25.899 24.123 24.686 b. Special Mention c. Kurang Lancar 1.731 1.648 1.553 1.542 1.666 1.373 1.335 1.254 935 1.153 1.321 1.317 1.381 1.320 1.274 1.128 c. Sub-Standard d. Diragukan 248 1.003 383 423 282 276 256 281 869 787 767 734 773 596 669 584 d. Doubtful
e. Macet 1.570 827 956 1.098 1.465 1.288 1.271 1.485 1.100 1.158 1.180 1.211 1.216 1.243 1.257 1.305 e. Lost Non Performing Earning Aset
(Nominal) 102.525 129.051 121.803 138.381 137.310 138.180 138.513 127.579 134.509 137.479 135.166 138.533 143.547 138.830 141.440 144.548 Non Performing Earning Asset (Nominal)
Kredit kepada Bank Lain 34.200 36.220 43.987 52.011 54.953 56.421 58.069 63.130 62.593 59.452 59.105 57.855 60.831 60.944 59.472 60.822 Interbank Loans a. Lancar 34.099 36.106 43.873 51.906 54.836 56.318 57.964 63.029 62.492 59.329 58.970 57.749 60.718 60.843 59.371 60.750 a. Current b. DPK 16 19 14 9 21 8 14 9 11 33 55 26 32 38 38 10 b. Special Mention c. Kurang Lancar - - - - 1 1 1 1 0 1 - - - c. Sub-Standard d. Diragukan - - - 0 0 - - - - 1 1 d. Doubtful e. Macet 85 94 100 95 96 95 91 91 89 89 80 80 80 63 61 61 e. Loss
Non Performing Loan kepada
Bank Lain (Nominal) 85 94 100 96 96 95 91 92 90 90 81 80 81 63 62 62 Interbank Non Performing Loan (Nominal)
2015 2016
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
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.
94
Statistik Perbankan Indonesia - Vol. 17 No. 9 Agustus 2019 Indonesia Banking Statistics - Vol. 17 No. 9 August 2019
Ags Sep Okt Nov Des Jan Feb Mar Apr Mei Juni Jul Ags
Aset Produktif Neraca 1.960.362 2.235.880 2.578.753 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 3.006.542 2.981.771 2.977.365 Earning Assets a. Lancar 1.846.369 2.108.233 2.437.437 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 2.821.551 2.795.571 2.785.882 a. Current b. DPK 75.823 74.946 89.621 106.747 108.795 106.058 109.157 98.144 111.334 122.597 118.034 125.320 116.387 125.229 125.028 128.540 b. Special Mention c. Kurang Lancar 7.963 14.490 11.307 11.937 11.711 12.881 12.785 12.039 12.961 10.790 9.103 10.779 10.781 8.919 9.818 10.698 c. Sub-Standard d. Diragukan 4.584 5.209 7.072 10.991 11.087 8.523 8.071 7.669 7.181 9.491 10.424 8.971 9.415 10.094 9.846 9.151 d. Doubtful
e. Macet 25.624 33.002 33.316 34.426 35.189 37.699 37.812 34.980 37.651 38.415 38.407 40.596 42.115 40.748 41.508 43.095 e. Loss Aset Produktif Transaksi
Rekening Administratif 1)
463.182 510.689 545.767 583.572 590.390 604.113 602.773 613.343 605.624 598.249 578.003 585.710 593.589 575.080 595.741 620.972 Earning Assets - Account Administrative Transactions 1) a. Lancar 455.919 504.079 539.307 575.641 581.941 595.877 594.559 605.260 597.656 589.836 569.917 576.174 585.195 567.134 587.805 612.285 a. Current
b. DPK 6.553 5.326 5.991 7.363 7.708 7.417 7.389 7.237 7.165 7.593 7.226 8.692 7.421 7.159 6.912 7.700 b. Special Mention c. Kurang Lancar 198 209 142 136 310 335 349 391 132 143 145 158 250 218 470 133 c. Sub-Standard d. Diragukan 81 810 91 158 159 144 154 172 385 321 336 302 321 155 168 485 d. Doubtful
e. Macet 431 265 237 275 273 340 321 282 287 356 379 385 402 414 386 369 e. Loss Non Performing Earning Aset
(Nominal) 38.881 53.985 52.164 57.922 58.728 59.922 59.492 55.533 58.596 59.515 58.794 61.191 63.285 60.548 62.196 63.930 Non Performing Earning Asset (Nominal)
Kredit kepada Bank Lain 5.591 5.417 5.379 7.349 7.196 5.911 5.796 5.188 5.040 4.801 4.651 3.866 2.454 2.402 2.212 2.396 Interbank Loans a. Lancar 5.520 5.342 5.304 7.270 7.116 5.832 5.720 5.112 4.966 4.726 4.577 3.792 2.380 2.347 2.157 2.342 a. Current b. DPK 0 0 0 - 1 - - 0 0 0 0 - 0 - 1 - b. Special Mention c. Kurang Lancar - - - 0 - - - - c. Sub-Standard d. Diragukan - - - 0 0 - - - - d. Doubtful e. Macet 71 74 75 79 79 79 76 76 74 74 74 74 74 55 54 54 e. Loss
Non Performing Loan kepada
Bank Lain (Nominal) 71 74 75 79 80 79 76 76 74 74 74 74 74 55 54 54 Interbank Non Performing Loan (Nominal)
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 2017 Indicator
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.
95
Ags Sep Okt Nov Des Jan Feb Mar Apr Mei Juni Jul Ags
Aset Produktif Neraca 1.835.674 2.139.165 2.384.379 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 2.664.592 2.680.571 2.677.534 Earning Assets a. Lancar 1.726.573 2.011.962 2.247.121 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 2.477.716 2.496.665 2.491.561 a. Current b. DPK 73.507 76.417 90.308 121.614 111.682 102.838 111.961 96.716 114.831 132.933 131.526 130.014 123.687 134.229 131.076 132.125 b. Special Mention c. Kurang Lancar 4.597 8.977 7.211 7.342 7.420 7.016 8.947 6.877 8.405 7.176 4.964 7.255 6.979 6.119 5.230 6.173 c. Sub-Standard d. Diragukan 5.549 7.614 7.502 6.724 6.092 6.997 6.560 6.322 7.908 9.824 11.162 8.094 9.485 9.795 8.176 6.718 d. Doubtful
e. Macet 25.447 34.195 32.237 40.464 39.327 39.535 38.820 35.533 35.033 36.233 35.535 37.251 38.105 36.733 39.424 40.957 e. Loss Aset Produktif Transaksi
Rekening Administratif 1)
544.346
594.287 728.017 783.978 776.690 789.019 771.304 781.812 805.491 898.695 892.888 895.446 876.753 864.360 888.232 913.651 Earning Assets - Account Administrative Transactions 1) a. Lancar 537.916 590.625 722.750 777.618 770.503 783.850 766.172 776.552 800.120 891.009 885.977 887.458 868.790 855.111 880.620 906.863 a. Current
b. DPK 5.638 3.354 4.520 5.742 5.367 4.586 4.586 4.329 4.494 6.807 5.994 7.085 7.036 8.327 6.630 6.197 b. Special Mention c. Kurang Lancar 98 61 358 210 175 174 187 222 163 205 274 242 250 199 130 133 c. Sub-Standard d. Diragukan 98 82 256 98 90 102 76 91 463 440 388 391 409 402 477 75 d. Doubtful
e. Macet 596 165 134 309 556 306 282 618 252 234 254 270 268 320 375 383 e. Loss Non Performing Earning Aset
(Nominal) 36.386 51.094 47.697 55.148 53.660 54.131 54.873 49.663 52.224 54.112 52.577 53.504 55.496 53.568 53.812 54.439 Non Performing Earning Asset (Nominal)
Kredit kepada Bank Lain 12.715 16.514 23.628 28.223 30.778 33.305 34.738 38.188 37.725 36.639 36.798 36.273 39.826 40.422 39.512 41.082 Interbank Loans a. Lancar 12.695 16.492 23.605 28.214 30.758 33.297 34.724 38.179 37.716 36.608 36.748 36.249 39.799 40.388 39.477 41.075 a. Current b. DPK 16 12 13 9 19 8 14 9 9 31 50 23 27 34 35 7 b. Special Mention c. Kurang Lancar - - - - c. Sub-Standard d. Diragukan - - - - d. Doubtful e. Macet 5 9 9 0 0 0 0 0 0 0 0 0 0 0 0 0 e. Loss
Non Performing Loan kepada
Bank Lain (Nominal) 5 9 9 0 0 0 0 0 0 0 0 0 0 0 0 0 Interbank Non Performing Loan (Nominal)
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)
Indikator 2016
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.
2019
Indicator 2018
2015 2017
96
Statistik Perbankan Indonesia - Vol. 17 No. 9 Agustus 2019 Indonesia Banking Statistics - Vol. 17 No. 9 August 2019
Ags Sep Okt Nov Des Jan Feb Mar Apr Mei Juni Jul Ags
Aset Produktif Neraca 122.537 39.021 47.892 53.994 55.061 55.150 55.656 55.239 57.519 58.429 61.025 61.188 63.474 64.873 64.000 63.929 Earning Assets a. Lancar 115.522 36.581 44.904 50.030 51.320 51.053 51.449 51.408 53.431 53.898 56.415 56.852 59.383 60.345 59.662 59.429 a. Current b. DPK 5.332 1.777 2.028 2.665 2.410 2.768 2.845 2.717 2.418 2.875 2.928 2.998 2.727 3.217 2.962 3.068 b. Special Mention c. Kurang Lancar 418 129 162 158 171 168 193 163 234 238 213 282 317 214 274 241 c. Sub-Standard d. Diragukan 396 95 158 252 245 248 237 219 227 218 262 263 272 312 249 268 d. Doubtful
e. Macet 869 439 640 888 914 913 931 731 1.209 1.201 1.207 793 774 785 854 923 e. Loss Aset Produktif Transaksi
Rekening Administratif 1)
9.387 2.926 3.333 3.340 3.327 3.368 3.468 3.147 3.411 3.409 3.465 3.412 3.625 3.420 3.375 3.185 Earning Assets - Account Administrative Tran sactions 1) a. Lancar 9.344 2.909 3.271 3.288 3.272 3.313 3.411 3.096 3.354 3.353 3.396 3.360 3.573 3.407 3.357 3.181 a. Current
b. DPK 40 15 58 6 9 9 10 4 9 8 22 4 4 12 17 4 b. Special Mention c. Kurang Lancar 0 0 0 0 0 0 1 0 - 0 0 0 - 0 0 - c. Sub-Standard d. Diragukan 0 0 0 0 0 0 0 1 1 0 0 0 0 0 - 0 d. Doubtful
e. Macet 2 2 4 46 46 47 47 47 47 47 47 48 47 0 0 0 e. Loss Non Performing Earning Aset
(Nominal) 1.685 665 965 1.345 1.377 1.375 1.409 1.161 1.717 1.704 1.730 1.385 1.411 1.311 1.377 1.433 Non Performing Earning Asset (Nominal)
Kredit kepada Bank Lain 1.025 783 813 798 775 762 730 730 684 666 676 699 736 737 711 685 Interbank Loans a. Lancar 1.021 779 811 797 774 760 728 729 681 664 674 697 734 731 704 679 a. Current b. DPK - - - 1 1 1 2 1 1 - b. Special Mention c. Kurang Lancar - - - 1 1 1 1 - 1 - - c. Sub-Standard d. Diragukan - - - 1 1 d. Doubtful e. Macet 4 4 2 1 1 1 1 - - - 6 6 6 e. Loss
Non Performing Loan kepada
Bank Lain (Nominal) 4 4 2 1 1 1 1 1 1 1 1 - 1 6 7 7 Interbank Non Performing Loan (Nominal)
Indikator 2015
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.
Indicator 2016
2018
Tabel 1.34.a. Aset Produktif BUSN Non Devisa dan Kualitas Kredit BUSN Non Devisa kepada Bank Lain (Earning Asset of Non Foreign Exchange Banks and Credit Quality of Non Foreign Exchange Banks to Other Bank)
Miliar Rp (Billion Rp)
2019 2017
97
Ags Sep Okt Nov Des Jan Feb Mar Apr Mei Juni Jul Ags
Aset Produktif Neraca 406.618 412.277 472.111 524.676 533.719 548.149 552.296 516.071 530.290 539.906 559.688 568.681 550.929 580.186 580.516 579.956 Earning Assets a. Lancar 384.059 389.621 447.540 498.955 507.320 522.609 526.664 493.329 503.351 512.416 533.434 541.754 524.427 552.424 554.271 553.214 a. Current b. DPK 10.210 10.769 11.843 12.413 13.621 13.160 13.153 11.213 14.779 14.744 13.645 13.852 12.625 14.194 12.637 12.905 b. Special Mention c. Kurang Lancar 832 804 724 865 838 961 934 754 1.176 1.110 940 1.312 1.663 1.171 1.119 1.065 c. Sub-Standard d. Diragukan 974 739 1.046 959 912 768 844 793 794 1.253 1.146 950 1.196 1.284 1.082 992 d. Doubtful
e. Macet 10.542 10.344 10.959 11.484 11.027 10.651 10.701 9.981 10.190 10.382 10.521 10.813 11.019 11.114 11.406 11.780 e. Loss Aset Produktif Transaksi
Rekening Administratif 1)
28.600 24.212 31.073 30.965 30.562 31.179 31.297 31.458 31.214 29.690 26.467 27.347 29.952 29.530 30.973 32.173 Earning Assets - Account Administrative Transactions 1) a. Lancar 28.021 23.649 30.518 30.483 30.068 30.680 30.749 30.880 30.643 29.030 25.910 26.677 29.413 29.008 30.517 31.655 a. Current
b. DPK 312 321 109 140 134 144 182 194 215 284 175 273 168 159 94 88 b. Special Mention c. Kurang Lancar 13 7 1 18 12 12 13 8 11 23 11 18 13 4 4 24 c. Sub-Standard d. Diragukan 2 4 11 7 12 16 11 4 6 10 26 27 28 22 4 4 d. Doubtful
e. Macet 252 231 434 317 336 327 344 371 338 344 344 352 330 338 353 402 e. Loss Non Performing Earning Aset
(Nominal) 12.615 12.129 13.175 13.650 13.137 12.735 12.847 11.912 12.516 13.121 12.990 13.473 14.248 13.932 13.970 14.267 Non Performing Earning Asset (Nominal)
Kredit kepada Bank Lain 983 1.468 3.067 2.167 2.278 2.234 3.878 4.396 5.141 3.263 3.144 3.168 3.328 3.324 3.241 3.140 Interbank Loans a. Lancar 979 1.455 3.053 2.152 2.262 2.220 3.864 4.381 5.126 3.248 3.135 3.161 3.318 3.319 3.236 3.136 a. Current b. DPK 0 7 - - - 3 1 4 3 3 3 b. Special Mention c. Kurang Lancar - - - - c. Sub-Standard d. Diragukan - - - - d. Doubtful e. Macet 4 6 15 15 15 15 15 15 15 14 6 6 6 2 2 2 e. Loss
Non Performing Loan kepada
Bank Lain (Nominal) 4 6 15 15 15 15 15 15 15 14 6 6 6 2 2 2 Interbank Non Performing Loan (Nominal)
Indikator 2015
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.
2018 2016
Tabel 1.35.a. Aset Produktif BPD dan Kualitas Kredit BPD kepada Bank Lain
(Earning Asset of Regional Development Banks and Credit Quality of Regional Development Banks to Other Bank) Miliar Rp (Billion Rp)
2019
Indicator 2017
98
Statistik Perbankan Indonesia - Vol. 17 No. 9 Agustus 2019 Indonesia Banking Statistics - Vol. 17 No. 9 August 2019
Ags Sep Okt Nov Des Jan Feb Mar Apr Mei Juni Jul Ags
Aset Produktif Neraca 272.592 283.059 293.571 332.180 344.125 344.987 333.741 337.379 345.385 265.886 271.321 271.013 263.300 266.967 265.369 269.851 Earning Assets a. Lancar 258.717 268.848 282.493 319.139 330.498 331.503 320.551 324.325 331.797 254.939 260.899 260.839 253.429 256.919 255.385 259.276 a. Current b. DPK 8.033 9.335 7.393 8.765 9.083 9.013 8.759 8.776 9.184 6.678 6.185 5.976 5.478 5.032 4.166 4.606 b. Special Mention c. Kurang Lancar 2.039 786 513 688 820 706 703 860 622 442 434 393 514 1.025 1.690 1.733 c. Sub-Standard d. Diragukan 903 368 372 1.032 663 559 584 530 714 817 503 561 560 630 701 585 d. Doubtful
e. Macet 2.900 3.722 2.800 2.557 3.061 3.207 3.144 2.887 3.067 3.009 3.300 3.244 3.320 3.361 3.427 3.651 e. Loss Aset Produktif Transaksi
Rekening Administratif 1)
189.653 200.708 230.884 251.872 254.999 266.788 264.304 265.062 258.411 171.367 163.086 158.236 163.443 157.684 154.351 155.120 Earning Assets - Account Administrative Transactions a. Lancar 186.746 197.370 226.735 246.207 249.265 260.873 258.546 259.369 252.869 167.829 160.268 155.453 160.820 155.005 151.931 152.545 a. Current
b. DPK 2.710 3.007 3.826 5.079 5.203 5.329 5.188 5.337 5.176 3.209 2.430 2.410 2.250 2.282 2.186 2.213 b. Special Mention c. Kurang Lancar 134 218 193 313 292 340 317 215 214 176 252 238 225 246 111 230 c. Sub-Standard d. Diragukan 27 0 0 144 7 1 1 1 0 0 1 1 0 0 1 3 d. Doubtful
e. Macet 36 113 129 129 232 244 253 141 151 153 135 135 147 150 122 129 e. Loss Non Performing Earning Aset
(Nominal) 6.038 5.208 4.008 4.862 5.075 5.057 5.002 4.635 4.769 4.597 4.625 4.571 4.766 5.413 6.052 6.332 Non Performing Earning Asset (Nominal)
Kredit kepada Bank Lain 435 153 28 462 467 476 748 1.029 1.007 1.009 1.099 1.099 1.099 1.091 1.084 668 Interbank Loans a. Lancar 435 153 28 462 467 476 748 1.029 1.007 1.009 1.099 1.099 1.099 1.091 1.084 668 a. Current b. DPK - - - - b. Special Mention c. Kurang Lancar - - - - c. Sub-Standard d. Diragukan - - - - d. Doubtful e. Macet 0 - - - - e. Loss
Non Performing Loan kepada
Bank Lain (Nominal) 0 - - - - Interbank Non Performing Loan (Nominal)
2018
Indikator 2016 Indicator
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.
Tabel 1.36.a. Aset Produktif Bank Campuran dan Kualitas Kredit Bank Campuran kepada Bank Lain (Earning Assets of Joint Venture Banks and Credit Quality of Joint Venture Banks to Other Bank)
Miliar Rp (Billion Rp)
20152019 2017