r) Angka-angka diperbaiki Tagihan Kontinjensi
Contingent Liabilities
2011 Indicator
Indikator
Commited Claims
Commited Liabilities Kewajiban Komitmen
2013
Tabel 1.19.a. Rekening Administratif BPD (Regional Development Banks Off-Balance Sheet)
Miliar Rp (Billion Rp)
2012
Others Kewajiban Kontijensi
2014
Lainnya
Contingent Claims
75
Sep Okt Nov Des Jan Feb Mar Apr Mei Jun Jul Ags Sep
34.78141.154 63.713 91.061 98.700 86.224 87.157 87.506 92.443 93.154 92.135 94.252 97.245 97.974 101.230 96.696
- Fasilitas pinjaman yang belum ditarik 7.927 4.510 10.176 4.867 4.835 4.629 3.868 3.935 7.742 6.636 6.147 6.952 8.670 10.448 10.814 10.837 - Unused borrowing - Posisi pembelian spot dan derivatif yang 26.736 36.560 53.155 83.862 91.318 79.589 81.019 81.604 82.404 83.882 83.220 84.440 85.410 84.380 89.954 85.395 - Outstanding spot and derivatives
masih berjalan (purchased)
- Lainnya (Others) 119 84 381 2.332 2.547 2.006 2.270 1.967 2.297 2.636 2.768 2.860 3.166 3.147 462 463 - Others 120.035
143.637 187.237 218.870 223.364 221.576 228.063 238.319 239.003 228.389 221.500 217.860 226.165 220.531 245.251 246.633
- Fasilitas kredit kepada nasabah yang 85.198 104.664 125.246 122.157 128.167 125.769 126.435 134.614 135.503 139.205 133.700 131.369 139.818 137.975 153.571 153.595 - Undisbursed loan facilities
belum ditarik to debtors
Committed 15.607 12.083 16.505 13.251 16.651 16.256 17.498 16.788 16.374 17.915 17.911 14.449 16.785 15.152 14.436 15.357 - Committed Uncommitted 69.591 92.581 108.741 108.906 111.516 109.513 108.937 117.826 119.128 121.290 115.789 116.920 123.033 122.823 139.134 138.238 - Uncommitted - Fasilitas kredit kepada bank lain yang 7 15 77 22 36 26 27 29 34 130 142 231 247 225 222 225 - Undisbursed loan facilities
Belum ditarik to other banks
Committed 2 4 10 7 10 7 8 8 11 11 11 202 203 205 205 207 - Committed Uncommitted 5 11 67 14 26 19 19 21 23 118 131 30 43 20 17 18 - Uncommitted - Irrevocable L/C yang masih berjalan 6.352 6.022 11.095 6.711 6.448 6.437 6.285 6.299 5.155 5.572 5.071 5.131 4.194 5.502 6.250 5.471 - Current Irrevocable L/C - Posisi penjualan spot dan derivatif yang 28.175 32.721 50.452 77.105 84.893 74.645 74.958 77.252 79.181 82.901 82.009 80.486 81.187 76.371 84.682 86.777 - Outstanding spot and
masih berjalan derivatives (sold)
- Lainnya 303 215 366 1.612 1.418 630 611 935 1.315 581 578 643 719 458 526 565 - Others 45.523
62.290 91.364 94.647 93.312 94.694 100.500 102.224 101.646 94.913 92.774 90.749 88.659 92.583 94.128 97.731
- Garansi yang diterima 45.322 62.040 91.016 94.196 92.848 94.213 99.984 101.680 101.113 94.387 92.227 90.144 88.074 91.927 93.493 97.053 - Received guarantees - Pendapatan bunga dalam penyelesaian 201 246 346 446 457 475 509 538 527 520 539 598 586 656 635 678 - Accrued interest - Lainnya - 4 2 5 6 6 6 6 6 6 7 7 - - - - - Others
12.035
15.200 20.536 17.134 17.427 17.056 18.093 16.272 16.692 16.991 16.421 16.178 17.044 17.831 18.592 19.415
- Garansi yang diberikan 12.035 15.158 20.445 17.134 17.427 17.056 18.093 16.272 16.692 16.991 16.421 16.178 17.044 17.831 18.592 19.415 - Issued guarantees
- Lainnya - 42 91 0 0 0 0 0 0 0 0 0 0 0 0 0 - Others
2.624
3.753 5.334 6.155 6.370 6.460 6.575 6.710 7.138 7.402 7.382 7.493 7.608 7.855 8.293 8.532
- Penerusan Kredit 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 - Channelling - Aset produktif yang dihapusbukukan 2.490 3.506 4.900 5.691 5.909 5.998 6.107 6.234 6.656 6.916 6.898 7.009 7.107 7.348 7.772 7.992 - Written off earning assets
Kredit yang diberikan 2.336 3.352 4.746 5.681 5.899 5.987 6.097 6.224 6.645 6.906 6.898 7.009 7.107 7.348 7.772 7.992 - Credit disbursed Lainnya 153 153 153 10 10 10 10 10 10 10 - - - - - Others
- Aset produktif yang dihapustagih 134 247 435 464 461 463 468 476 482 486 484 484 501 506 521 540 - Charged off earning assets Kredit yang diberikan 134 247 435 464 461 463 468 476 482 486 484 484 501 506 521 540 - Credit disbursed Lainnya - - - - - Others
r) Revised figures
2015
Kewajiban Kontijensi
Tabel 1.20.a. Rekening Administratif Bank Campuran (Joint Venture Banks Off-Balance Sheet)
Miliar Rp (Billion Rp)
r) Angka-angka diperbaiki
Contingent Liabilities
Lainnya
Contingent Claims Commited Claims
2014
Tagihan Kontinjensi
Kewajiban Komitmen Commited Liabilities
2013
Indikator 2012
Tagihan Komitmen
Indicator 2011
Others
76
Sep Okt Nov Des Jan Feb Mar Apr Mei Jun Jul Ags Sep
95.013140.520 198.742 255.793 248.574 156.503 238.213 243.700 267.285 261.945 288.050 287.569 273.631 299.911 310.762 327.302
- Fasilitas pinjaman yang belum ditarik 7.707 8.192 13.996 14.013 13.898 14.035 14.243 14.568 17.449 17.650 17.499 17.852 1.799 18.262 18.968 19.778 - Unused borrowing - Posisi pembelian spot dan derivatif yang 87.238 132.324 184.725 241.781 234.671 142.449 223.960 229.132 249.836 243.968 269.255 269.716 271.832 281.649 291.794 307.525 - Outstanding spot and derivatives
masih berjalan (purchased)
- Lainnya (Others) 67 4 21 - 5 20 10 - - 327 1.296 - - - - - - Others 281.415
302.516 450.692 374.529 379.392 343.414 380.969 399.346 383.104 592.297 607.590 629.973 699.307 646.493 674.807 708.416
- Fasilitas kredit kepada nasabah yang 122.450 147.600 237.527 269.576 282.909 244.353 282.793 287.411 279.579 301.998 281.172 287.231 354.510 296.788 309.766 326.290 - Undisbursed loan facilities
belum ditarik to debtors
Committed 60.888 33.500 42.453 44.855 47.161 49.015 49.567 47.749 44.811 54.094 45.442 49.034 55.579 49.783 52.373 53.540 - Committed Uncommitted 61.561 114.101 195.074 224.720 235.748 195.337 233.226 239.663 234.768 247.904 235.730 238.197 298.931 247.005 257.393 272.750 - Uncommitted - Fasilitas kredit kepada bank lain yang 816 3.302 6.303 7.361 6.170 7.812 5.087 6.140 3.921 4.064 4.196 4.284 5.968 6.923 6.231 7.453 - Undisbursed loan facilities
Belum ditarik to other banks
Committed 581 338 33 155 153 154 156 165 40 172 170 175 177 181 191 1.521 - Committed
Uncommitted 236 2.964 6.270 7.205 6.016 7.658 4.931 5.976 3.881 3.891 4.026 4.108 5.791 6.742 6.040 5.932 - Uncommitted - Irrevocable L/C yang masih berjalan 8.039 7.328 11.769 8.216 7.655 7.603 7.991 9.878 8.879 8.716 9.910 9.666 10.268 10.527 8.959 9.199 - Current Irrevocable L/C - Posisi penjualan spot dan derivatif yang 149.823 144.037 194.823 244.628 240.136 160.909 243.348 256.092 275.219 277.225 312.174 328.693 328.350 331.801 349.698 365.347 - Outstanding spot and
masih berjalan derivatives (sold)
- Lainnya 287 249 271 139 364 143 117 125 109 295 138 99 211 455 152 127 - Others 92.289
85.357 104.257 104.498 95.815 98.611 97.743 111.474 103.197 106.775 103.971 106.094 107.832 110.988 113.721 121.933
- Garansi yang diterima 92.113 85.156 104.151 104.330 95.657 98.451 97.575 111.297 103.011 106.574 103.766 105.874 107.592 110.730 113.435 121.631 - Received guarantees - Pendapatan bunga dalam penyelesaian 173 187 98 161 151 153 161 170 179 193 198 212 232 250 278 295 - Accrued interest - Lainnya 2 13 8 7 7 7 7 7 7 8 8 8 8 8 8 7 - Others
34.623
36.785 45.450 44.130 42.262 42.296 41.566 40.959 42.982 44.865 44.263 45.974 48.987 46.919 49.474 55.782
- Garansi yang diberikan 34.623 36.785 45.450 44.130 42.262 42.296 41.566 40.959 42.982 44.865 44.263 45.974 48.987 46.919 49.474 55.782 - Issued guarantees - Lainnya - - - - - - Others
7.020
9.899 11.100 13.051 13.157 13.454 13.477 13.310 13.540 13.544 13.696 13.819 13.927 14.081 14.231 14.381
- Penerusan Kredit - - - - - - Channelling - Aset produktif yang dihapusbukukan 6.965 9.676 10.650 12.316 12.416 12.706 12.720 12.539 12.636 12.735 12.832 12.936 13.036 13.182 13.323 13.459 - Written off earning assets
Kredit yang diberikan 6.954 9.664 10.483 12.165 12.265 12.555 12.568 12.388 12.485 12.584 12.681 12.785 12.885 13.031 13.172 13.308 - Credit disbursed Lainnya 11 12 166 151 151 151 151 151 151 151 151 151 151 151 151 151 - Others
- Aset produktif yang dihapustagih 55 223 450 735 741 748 757 770 904 809 864 883 891 899 908 923 - Charged off earning assets Kredit yang diberikan 55 223 450 735 741 748 757 770 904 809 853 860 869 877 886 900 - Credit disbursed Lainnya - - - - 11 22 22 22 22 22 - Others
***) Estimated figures r) Revised figures
2015
***) Angka-angka sangat-sangat sementara
Others Contingent Claims Tagihan Komitmen
Commited Liabilities
Tagihan Kontinjensi
Lainnya
2014 Indicator
2011 2012 2013
Kewajiban Kontijensi
Indikator
Kewajiban Komitmen
r) Angka-angka diperbaiki
Contingent Liabilities Commited Claims
Tabel 1.21.a. Rekening Administratif Bank Asing (Foreign Owned Banks Off-Balance Sheet)
Miliar Rp (Billion Rp)
77
Sep Okt Nov Des Jan Feb Mar Apr Mei Jun Jul Ags Sep
17,4318,13 19,53 19,63 19,77 19,57 21,01 21,26 20,98 20,79 20,51 20,28 20,78 20,73 20,62 - Modal 496.629 626.888 730.858 733.440 746.568 754.174 814.810 830.570 827.950 827.974 830.598 832.634 854.329 863.532 872.314 - Capital - ATMR 2.849.997 3.458.404 3.741.538 3.736.749 3.776.200 3.854.234 3.878.947 3.907.328 3.945.899 3.982.779 4.050.387 4.106.626 4.111.073 4.164.757 4.231.115 - Risk Weighted Assets
15,60
16,36 17,91 17,94 18,15 18,01 18,75 18,99 18,40 18,19 17,98 17,75 18,21 18,19 18,14
- Modal Inti (Tier I) 444.545 565.774 669.926 670.559 685.255 694.198 727.294 741.962 726.221 724.527 728.302 728.993 748.696 757.586 767.534 - Core Capital (Tier I) - ATMR 2.849.997 3.458.404 3.741.538 3.736.749 3.776.200 3.854.234 3.878.947 3.907.328 3.945.899 3.982.779 4.050.387 4.106.626 4.111.073 4.164.757 4.231.115 - Risk Weighted Assets
3,11
3,08 2,91 2,89 2,87 2,85 2,82 2,51 2,69 2,53 2,45 2,29 2,27 2,30 2,31 - Laba sebelum pajak 117.103 134.571 142.355 142.372 142.564 142.769 152.532 136.761 148.088 139.593 135.773 127.792 127.228 129.480 130.613 - Profit
- Rata-rata total aset 3.761.912 4.365.364 4.897.413 4.932.537 4.967.179 5.004.089 5.417.813 5.451.541 5.496.171 5.515.708 5.540.025 5.572.178 5.593.988 5.621.051 5.656.845 - Average total assets
BOPO (%) 74,10 74,08 76,14 76,14 76,16 76,29 82,15 81,59 79,49 79,94 80,42 81,40 81,39 81,46 81,82
- Biaya Operasional 321.357 368.460 331.305 367.997 406.608 446.217 56.987 99.135 140.064 181.922 226.226 270.614 313.452 364.126 418.241 - Operating Expenses - Pendapatan Operasional 433.678 497.384 435.149 483.333 533.906 584.887 69.368 121.497 176.195 227.587 281.320 332.457 385.113 446.995 511.168 - Operating Income NIM (%) 5,49 4,89 4,21 4,24 4,24 4,23 4,24 4,06 5,30 5,30 5,33 5,32 5,32 5,32 5,32
- Pendapatan bunga bersih 200.338 233.841 255.233 258.061 259.471 260.940 283.884 269.252 274.525 275.287 278.526 280.769 282.102 284.506 286.465 - Interest income net - Rata-rata total aset produktif 3.648.741 4.782.557 6.058.539 6.090.379 6.118.637 6.161.761 6.691.609 6.632.130 5.180.214 5.191.975 5.223.083 5.274.201 5.307.579 5.345.241 5.389.536 - Average total earning assets LDR (%) 83,58 89,70 88,93 88,45 88,65 89,42 88,48 88,26 87,58 87,94 88,72 88,46 88,50 88,81 88,54
-Total Kredit kepada pihak ketiga bukan
Bank 2.597.026 3.158.099 3.413.557 3.403.652 3.448.211 3.526.364 3.487.843 3.519.869 3.532.735 3.564.324 3.609.112 3.677.335 3.684.686 3.732.006 3.805.326 - Total Credit to third party - Total Dana Pihak Ketiga 3.107.385 3.520.616 3.838.472 3.848.279 3.889.630 3.943.697 3.942.067 3.988.289 4.033.543 4.053.225 4.067.775 4.156.933 4.163.444 4.202.011 4.297.649 - Total Third Party Funds Rasio Aset Likuid (%) 18,45 15,77 16,18 16,35 16,27 16,24 16,88 17,35 18,74 18,16 17,26 17,35 17,03 16,87 17,56
- Aset Likuid Primer 616.043 589.158 651.638 673.152 676.518 686.023 724.886 750.779 826.137 795.983 762.497 784.963 756.495 742.715 805.862 - Aset Likuid Primer - Aset Likuid Sekunder 142.989 163.506 193.406 184.825 188.037 192.598 189.545 201.102 220.386 220.202 210.698 209.728 218.568 237.362 237.900 - Aset Likuid Sekunder - Total Aset 4.115.003 4.773.892 5.223.740 5.248.656 5.313.591 5.410.098 5.417.813 5.485.270 5.585.431 5.594.559 5.637.294 5.732.943 5.724.848 5.810.495 5.943.189 - Total Assets
Ket: Data tidak termasuk BUS, data kinerja BUS disajikan pada tabel 2.13
2014
Tabel 1.22.a. Kinerja Bank Umum Konvensional (Commercial Banks Performance)
Miliar Rp (Billion Rp)
Keterangan Items
Rasio Pemenuhan Kecukupan Modal
Minimum (%) Capital Adequacy Ratio (%)
ROA (%)
Core Capital Ratio to ATMR (%) Rasio Modal Inti terhadap ATMR (%)
Operating Expenses/Operating Income (%)
Loan to Deposits Ratio (%) Net Interest Margin Ratio (%)
2015
Return On Assets Ratio (%)
Liquid Assets Ratio (%)
2012 2013
78
Sep Okt Nov Des Jan Feb Mar Apr Mei Jun Jul Ags Sep
16,17 15,91 17,31 17,48 17,56 17,08 19,00 19,88 19,04 18,85 18,76 18,45 18,71 18,80 18,89
- Modal 166.297 198.288 228.772 229.548 232.941 235.019 263.073 276.276 267.847 268.469 272.511 274.363 276.199 279.750 285.312 - Capital - ATMR 1.028.287 1.246.469 1.321.527 1.313.287 1.326.402 1.375.677 1.384.382 1.389.553 1.406.646 1.424.503 1.452.256 1.486.687 1.476.562 1.488.144 1.510.041 - Risk Weighted Assets
14,59
14,58 16,27 16,26 16,50 16,14 16,15 17,03 15,82 15,54 15,50 15,23 15,46 15,57 15,69
- Modal Inti (Tier I) 150.049 181.769 214.975 213.600 218.842 222.102 223.569 236.585 222.516 221.315 225.038 226.394 228.328 231.758 236.951 - Core Capital (Tier I) - ATMR 1.028.287 1.246.469 1.321.527 1.313.287 1.326.402 1.375.677 1.384.382 1.389.553 1.406.646 1.424.503 1.452.256 1.486.687 1.476.562 1.488.144 1.510.041 - Risk Weighted Assets
3,80
3,87 3,74 3,71 3,75 3,75 3,28 3,04 3,56 3,33 3,29 3,00 2,98 3,02 3,12 - Laba sebelum pajak 51.669 61.645 67.056 67.043 68.246 69.104 66.629 62.118 73.372 68.372 67.633 62.048 61.805 63.099 65.450 - Profit
- Rata-rata total aset 1.359.034 1.593.260 1.791.268 1.806.342 1.821.604 1.842.847 2.030.103 2.045.012 2.060.286 2.056.018 2.053.870 2.066.211 2.076.966 2.087.342 2.098.154 - Average total assets BOPO (%) 70,53 66,16 70,29 70,05 69,64 69,57 81,60 78,48 73,59 73,74 73,75 75,42 75,44 75,05 74,36
- Biaya Operasional 116.981 116.272 112.750 124.222 136.848 150.501 23.656 36.596 49.181 62.372 77.121 92.570 107.463 122.696 137.461 - Operating Expenses - Pendapatan Operasional 165.852 175.740 160.405 177.334 196.521 216.331 28.992 46.631 66.827 84.584 104.576 122.737 142.458 163.492 184.849 - Operating Income NIM (%) 5,95 5,50 5,12 5,14 5,14 5,11 5,28 4,84 5,93 5,98 6,13 6,15 6,10 6,11 6,10
- Pendapatan bunga bersih 79.244 95.200 107.444 108.622 109.422 109.862 124.766 114.067 116.634 117.346 119.649 121.131 120.878 121.937 122.523 - Interest income net - Rata-rata total aset produktif 1.331.277 1.731.075 2.099.153 2.114.640 2.130.287 2.147.990 2.362.380 2.357.822 1.967.135 1.960.783 1.953.298 1.970.433 1.982.954 1.996.606 2.010.178 - Average total earning assets LDR (%) 79,84 86,70 86,45 85,97 85,66 83,73 85,60 84,49 84,96 87,96 89,84 87,39 86,11 86,32 86,57
-Total Kredit kepada pihak ketiga bukan
Bank 959.128 1.181.726 1.275.444 1.267.022 1.284.068 1.325.087 1.312.532 1.319.512 1.321.243 1.331.356 1.355.178 1.392.605 1.388.237 1.403.511 1.437.898 - Total Credit to third party - Total Dana Pihak Ketiga 1.201.284 1.363.062 1.475.270 1.473.854 1.499.077 1.582.488 1.533.382 1.561.671 1.555.170 1.513.514 1.508.366 1.593.517 1.612.101 1.625.872 1.660.989 - Total Third Party Funds Rasio Aset Likuid (%) 20,06 15,84 15,40 16,30 15,25 16,66 15,99 16,99 18,08 16,21 14,97 15,63 16,32 15,76 15,53
- Aset Likuid Primer 229.643 199.232 208.254 228.379 213.750 254.338 234.112 248.199 262.052 224.815 207.432 235.765 246.916 229.109 220.770 - Aset Likuid Primer - Aset Likuid Sekunder 78.295 79.349 87.039 88.079 87.266 91.707 90.578 101.739 115.886 106.337 98.742 96.810 102.592 111.396 118.458 - Aset Likuid Sekunder - Total Aset 1.535.343 1.758.873 1.917.186 1.942.006 1.974.227 2.076.518 2.030.103 2.059.921 2.090.835 2.043.212 2.045.280 2.127.914 2.141.496 2.159.973 2.184.651 - Total Assets
Ket: Data tidak termasuk BUS, data kinerja BUS disajikan pada tabel 2.13 Rasio Pemenuhan Kecukupan Modal
Minimum (%)
Return On Assets Ratio (%)
Items Tabel 1.23.a. Kinerja Bank Persero Konvensional
(State Owned Banks Performance) Miliar Rp (Billion Rp) Keterangan
2014
Rasio Modal Inti terhadap ATMR (%)
ROA (%)
2013
Core Capital Ratio to ATMR (%) Capital Adequacy Ratio (%)
2015
Net Interest Margin Ratio (%)
Liquid Assets Ratio (%)
Operating Expenses/Operating Income (%)
Loan to Deposits Ratio (%)
2012
79
Sep Okt Nov Des Jan Feb Mar Apr Mei Jun Jul Ags Sep
15,3316,01 16,64 16,72 16,70 16,42 17,61 17,36 17,73 17,68 17,22 17,16 17,90 17,76 17,48 - Modal 177.744 220.225 248.816 250.999 253.244 252.499 272.494 270.441 277.675 279.510 275.838 278.737 291.524 293.103 292.389 - Capital - ATMR 1.159.788 1.375.870 1.495.249 1.500.817 1.516.835 1.538.222 1.547.767 1.557.464 1.566.141 1.581.332 1.601.473 1.624.607 1.628.815 1.650.468 1.673.044 - Risk Weighted Assets
13,05
13,78 14,42 14,53 14,52 14,27 15,18 15,11 15,19 15,19 14,90 14,82 15,44 15,32 15,15
- Modal Inti (Tier I) 151.331 189.602 215.688 218.065 220.178 219.543 235.019 235.357 237.843 240.204 238.640 240.846 251.436 252.873 253.479 - Core Capital (Tier I) - ATMR 1.159.788 1.375.870 1.495.249 1.500.817 1.516.835 1.538.222 1.547.767 1.557.464 1.566.141 1.581.332 1.601.473 1.624.607 1.628.815 1.650.468 1.673.044 - Risk Weighted Assets
2,64
2,43 2,25 2,20 2,17 2,13 2,15 1,82 1,81 1,80 1,84 1,81 1,83 1,83 1,77 - Laba sebelum pajak 38.452 40.571 41.871 41.111 40.757 40.306 43.416 36.865 36.653 36.621 37.827 37.292 37.821 37.908 36.816 - Profit
- Rata-rata total aset 1.455.843 1.667.964 1.861.548 1.871.092 1.880.295 1.890.222 2.021.478 2.026.193 2.030.444 2.039.469 2.054.448 2.062.611 2.067.048 2.073.787 2.083.506 - Average total assets BOPO (%) 74,88 78,07 79,53 80,05 80,24 80,70 83,16 84,67 84,52 84,54 84,37 84,75 84,48 85,01 86,25
- Biaya Operasional 112.722 138.893 121.923 137.285 151.747 167.522 17.205 32.712 48.130 64.704 80.926 97.589 112.309 131.155 151.043 - Operating Expenses - Pendapatan Operasional 150.543 177.897 153.309 171.488 189.118 207.584 20.689 38.636 56.945 76.541 95.917 115.149 132.948 154.276 175.124 - Operating Income NIM (%) 5,17 4,42 3,76 3,78 3,79 3,78 3,73 3,70 4,85 4,85 4,82 4,80 4,83 4,86 4,86
- Pendapatan bunga bersih 72.679 81.316 85.621 86.174 86.557 87.102 91.815 89.587 91.516 91.762 92.480 92.985 93.983 95.152 95.800 - Interest income net - Rata-rata total aset produktif 1.404.733 1.838.391 2.277.729 2.282.002 2.286.651 2.302.325 2.459.826 2.420.130 1.887.584 1.892.550 1.918.200 1.935.661 1.946.192 1.957.559 1.971.536 - Average total earning assets LDR (%) 81,58 83,77 84,54 84,74 85,30 85,66 83,61 83,96 84,25 83,66 83,45 84,90 84,85 85,92 86,11
-Total Kredit kepada pihak ketiga bukan
Bank 1.026.324 1.202.706 1.292.004 1.298.928 1.312.831 1.342.612 1.324.860 1.333.363 1.339.227 1.350.869 1.365.542 1.383.729 1.385.100 1.409.738 1.433.136 - Total Credit to third party - Total Dana Pihak Ketiga 1.257.990 1.435.791 1.528.255 1.532.828 1.539.040 1.567.343 1.584.612 1.588.106 1.589.655 1.614.640 1.636.382 1.629.918 1.632.406 1.640.834 1.664.363 - Total Third Party Funds Rasio Aset Likuid (%) 15,47 14,66 14,40 14,39 14,57 14,87 15,75 15,94 16,62 17,22 16,59 16,31 15,20 15,25 16,34
- Aset Likuid Primer 203.772 216.884 222.140 226.532 231.058 244.859 263.156 272.924 286.179 296.588 289.114 282.721 257.971 258.226 290.987 - Aset Likuid Primer - Aset Likuid Sekunder 41.689 49.644 59.654 55.016 56.260 52.411 55.320 50.702 52.609 59.275 57.898 60.443 60.227 65.115 62.117 - Aset Likuid Sekunder - Total Aset 1.586.631 1.818.240 1.957.131 1.956.990 1.972.319 1.999.417 2.021.478 2.030.909 2.038.946 2.066.545 2.091.736 2.103.428 2.093.671 2.120.956 2.161.263 - Total Assets
Ket: Data tidak termasuk BUS, data kinerja BUS disajikan pada tabel 2.13
Liquid Assets Ratio (%) Net Interest Margin Ratio (%)
2013
Rasio Modal Inti terhadap ATMR (%)
Keterangan
Rasio Pemenuhan Kecukupan Modal Minimum (%)ROA (%)
Operating Expenses/Operating Income (%)
Items
Loan to Deposits Ratio (%)
2015
Core Capital Ratio to ATMR (%)
2014
Return On Assets Ratio (%)
Tabel 1.24.a. Kinerja BUSN Devisa Konvensional (Foreign Exchange Commercial Banks Performance)
Miliar Rp (Billion Rp)
Capital Adequacy Ratio (%)
2012
80
Sep Okt Nov Des Jan Feb Mar Apr Mei Jun Jul Ags Sep
20,8023,16 23,14 23,24 23,00 23,07 23,86 23,49 22,41 22,46 22,27 21,97 23,46 23,10 23,04 - Modal 13.530 17.984 20.345 20.445 20.505 20.631 21.912 22.030 20.735 20.903 20.344 20.405 22.079 21.598 22.038 - Capital - ATMR 65.057 77.653 87.936 87.983 89.156 89.411 91.843 93.803 92.520 93.049 91.354 92.859 94.117 93.488 95.642 - Risk Weighted Assets
19,38
21,47 21,53 21,63 21,40 21,49 22,34 21,94 20,85 20,94 20,75 20,46 21,96 21,60 21,54
- Modal Inti (Tier I) 12.610 16.675 18.929 19.032 19.083 19.213 20.516 20.584 19.289 19.486 18.955 18.995 20.670 20.193 20.600 - Core Capital (Tier I) - ATMR 65.057 77.653 87.936 87.983 89.156 89.411 91.843 93.803 92.520 93.049 91.354 92.859 94.117 93.488 95.642 - Risk Weighted Assets
3,31
3,26 2,29 2,28 2,26 2,16 1,70 1,85 2,02 2,03 2,07 2,03 1,99 1,93 1,91 - Laba sebelum pajak 3.204 3.744 2.960 2.954 2.946 2.839 2.341 2.544 2.810 2.827 2.780 2.737 2.700 2.624 2.606 - Profit
- Rata-rata total aset 96.840 114.799 129.380 129.836 130.451 131.315 137.329 137.656 139.077 139.481 134.241 135.039 135.460 135.912 136.574 - Average total assets BOPO (%) 79,30 79,67 85,16 85,64 85,73 86,31 88,70 87,25 86,14 86,12 85,98 86,17 86,37 86,73 86,85
- Biaya Operasional 12.149 14.260 12.667 14.659 16.138 17.751 1.528 2.918 4.382 5.859 7.129 8.553 10.014 11.476 12.958 - Operating Expenses - Pendapatan Operasional 15.320 17.900 14.875 17.117 18.824 20.567 1.723 3.344 5.087 6.803 8.291 9.926 11.594 13.231 14.920 - Operating Income NIM (%) 9,34 8,73 6,73 7,21 7,16 7,02 6,12 6,34 6,85 6,83 6,99 6,94 6,95 6,91 6,88
- Pendapatan bunga bersih 8.606 9.761 8.618 9.176 9.126 9.091 8.551 8.608 8.714 8.713 8.609 8.649 8.718 8.728 8.757 - Interest income net - Rata-rata total aset produktif 92.126 111.801 128.020 127.228 127.469 129.441 139.716 135.776 127.125 127.556 123.243 124.590 125.436 126.280 127.201 - Average total earning assets LDR (%) 82,73 85,10 89,76 82,32 88,17 87,81 89,32 89,89 87,52 89,36 90,99 91,33 91,60 91,43 90,51
-Total Kredit kepada pihak ketiga bukan
Bank 69.804 82.634 90.228 82.362 90.040 91.795 91.076 91.740 92.932 93.504 91.976 93.810 93.727 94.211 95.369 - Total Credit to third party - Total Dana Pihak Ketiga 84.374 97.102 100.518 100.052 102.122 104.544 101.964 102.055 106.179 104.634 101.087 102.712 102.322 103.040 105.374 - Total Third Party Funds Rasio Aset Likuid (%) 19,32 15,03 14,10 14,75 16,21 18,15 15,49 14,83 17,18 14,97 13,68 14,18 12,60 12,76 14,47
- Aset Likuid Primer 19.716 18.417 17.910 19.014 21.406 24.762 20.568 19.734 23.638 20.320 18.031 19.097 16.730 17.038 19.566 - Aset Likuid Primer - Aset Likuid Sekunder 1.291 891 920 741 744 803 708 729 750 739 566 611 664 710 959 - Aset Likuid Sekunder - Total Aset 108.758 128.498 133.535 133.934 136.604 140.823 137.329 137.983 141.919 140.694 135.906 139.028 137.990 139.075 141.868 - Total Assets
Ket: Data tidak termasuk BUS, data kinerja BUS disajikan pada tabel 2.13
Loan to Deposits Ratio (%) Core Capital Ratio to ATMR (%)
Liquid Assets Ratio (%) Net Interest Margin Ratio (%) Return On Assets Ratio (%)
Operating Expenses/Operating Income (%) Rasio Modal Inti terhadap ATMR (%)
ROA (%)
Rasio Pemenuhan Kecukupan Modal
Minimum (%) Capital Adequacy Ratio (%)
Items
2012 2013
Tabel 1.25.a. Kinerja BUSN Non Devisa Konvensional (Non-Foreign Exchange Commercial Banks Performance)
Miliar Rp (Billion Rp)
2015 2014
Keterangan
81
Sep Okt Nov Des Jan Feb Mar Apr Mei Jun Jul Ags Sep
18,0217,58 17,34 17,60 17,55 17,79 20,40 20,46 19,43 18,58 18,23 17,80 17,75 17,84 17,62 - Modal 35.198 40.343 45.055 45.850 46.002 46.922 53.459 54.214 52.347 50.942 50.361 50.181 49.693 50.323 50.896 - Capital - ATMR 195.318 229.459 259.763 260.565 262.152 263.682 262.103 265.034 269.451 274.144 276.327 281.910 279.883 282.109 288.911 - Risk Weighted Assets
16,66
16,33 16,06 16,32 16,27 16,55 18,26 18,25 17,20 16,44 16,03 15,47 15,58 15,67 15,54
- Modal Inti (Tier I) 32.531 37.474 41.731 42.512 42.655 43.630 47.867 48.372 46.352 45.075 44.303 43.611 43.594 44.194 44.911 - Core Capital (Tier I) - ATMR 195.318 229.459 259.763 260.565 262.152 263.682 262.103 265.034 269.451 274.144 276.327 281.910 279.883 282.109 288.911 - Risk Weighted Assets
2,90
3,18 2,90 2,90 2,77 2,68 3,32 2,85 3,09 2,80 2,47 2,44 2,20 2,22 2,27 - Laba sebelum pajak 10.462 12.686 12.377 12.528 12.099 11.723 14.870 12.946 14.490 13.583 12.214 12.290 11.190 11.312 11.715 - Profit
- Rata-rata total aset 361.101 399.075 427.319 432.674 436.834 437.155 448.405 453.774 468.833 484.368 495.065 503.975 507.495 510.381 515.847 - Average total assets BOPO (%) 75,29 73,49 76,14 75,94 76,82 78,08 73,96 76,87 75,02 76,88 79,30 78,49 80,47 80,51 80,08
- Biaya Operasional 31.470 34.438 29.507 32.820 36.705 41.363 3.494 7.132 10.836 15.027 19.525 22.349 26.889 30.870 34.972 - Operating Expenses - Pendapatan Operasional 41.797 46.864 38.755 43.215 47.780 52.973 4.724 9.278 14.443 19.546 24.623 28.475 33.415 38.345 43.668 - Operating Income NIM (%) 6,70 7,04 6,61 6,60 6,57 6,65 6,76 6,74 6,99 6,82 6,64 6,56 6,53 6,50 6,50
- Pendapatan bunga bersih 22.856 27.891 28.958 29.218 29.265 29.593 30.629 30.538 30.776 30.995 30.946 31.207 31.356 31.423 31.832 - Interest income net - Rata-rata total aset produktif 341.257 396.439 438.409 442.557 445.532 444.769 453.315 453.020 440.084 454.166 466.131 475.550 479.884 483.440 489.445 - Average total earning assets LDR (%) 78,57 92,34 73,49 74,96 76,58 89,73 83,38 81,71 73,89 68,98 68,69 68,33 71,01 71,89 68,67
-Total Kredit kepada pihak ketiga bukan
Bank 218.851 265.661 294.511 298.145 301.614 301.456 296.369 299.902 303.530 307.060 311.067 315.633 316.622 320.762 324.803 - Total Credit to third party - Total Dana Pihak Ketiga 278.535 287.709 400.773 397.751 393.877 335.957 355.430 367.019 410.781 445.125 452.869 461.944 445.854 446.171 472.978 - Total Third Party Funds Rasio Aset Likuid (%) 22,93 18,19 25,92 24,05 24,19 18,38 20,57 22,14 28,12 27,02 26,57 27,13 25,92 24,29 25,96
- Aset Likuid Primer 80.457 63.091 115.428 107.280 107.305 72.996 84.601 94.384 132.841 135.534 134.505 141.016 128.996 119.361 135.439 - Aset Likuid Primer - Aset Likuid Sekunder 3.626 7.858 9.263 8.360 8.416 8.015 7.621 7.274 7.478 7.928 8.380 7.792 8.025 9.513 9.840 - Aset Likuid Sekunder - Total Aset 366.684 389.964 481.069 480.868 478.437 440.691 448.405 459.144 498.951 530.973 537.854 548.526 528.614 530.584 559.578 - Total Assets
Ket: Data tidak termasuk BUS, data kinerja BUS disajikan pada tabel 2.13
Net Interest Margin Ratio (%)
2013
Tabel 1.26.a. Kinerja BPD Konvensional (Regional Development Banks Performance)
Miliar Rp (Billion Rp) Keterangan
Operating Expenses/Operating Income (%) Capital Adequacy Ratio (%)
Loan to Deposits Ratio (%)
2014 2015
Return On Assets Ratio (%) ROA (%)
Items 2012
Core Capital Ratio to ATMR (%)
Liquid Assets Ratio (%) Rasio Pemenuhan Kecukupan Modal
Minimum (%)
Rasio Modal Inti terhadap ATMR (%)
82
Sep Okt Nov Des Jan Feb Mar Apr Mei Jun Jul Ags Sep
18,6519,86 19,49 19,23 18,89 19,14 20,18 20,08 20,94 20,69 19,74 20,51 19,83 19,46 19,30 - Modal 30.770 43.832 45.660 45.861 46.151 47.767 50.482 50.760 53.525 51.927 52.555 52.225 52.409 52.527 52.878 - Capital - ATMR 164.956 220.744 234.303 238.426 244.350 249.533 250.200 252.777 255.642 250.920 266.285 254.597 264.233 269.983 274.039 - Risk Weighted Assets
16,52
16,78 16,71 16,49 16,18 16,44 17,31 17,19 17,02 16,50 15,73 16,28 15,68 15,23 14,97
- Modal Inti (Tier I) 27.253 37.034 39.153 39.314 39.534 41.030 43.301 43.440 43.507 41.394 41.881 41.453 41.425 41.131 41.035 - Core Capital (Tier I) - ATMR 164.956 220.744 234.303 238.426 244.350 249.533 250.200 252.777 255.642 250.920 266.285 254.597 264.233 269.983 274.039 - Risk Weighted Assets
2,24
2,39 2,09 2,14 2,15 2,11 1,20 1,43 1,66 1,33 1,19 0,99 0,98 1,05 1,00 - Laba sebelum pajak 4.479 5.922 5.961 6.137 6.231 6.171 3.979 4.751 5.566 4.395 3.972 3.316 3.298 3.536 3.405 - Profit
- Rata-rata total aset 200.343 247.500 284.712 286.757 289.481 292.029 330.260 332.493 335.867 331.073 334.339 334.394 335.706 337.500 340.434 - Average total assets BOPO (%) 77,86 79,23 79,44 79,36 78,35 78,49 88,80 85,81 82,71 86,13 86,89 89,08 88,50 87,66 87,44
- Biaya Operasional 15.179 20.899 18.925 20.838 21.988 24.353 3.126 5.800 7.961 10.528 12.784 15.491 17.411 20.365 23.537 - Operating Expenses - Pendapatan Operasional 19.494 26.378 23.824 26.260 28.063 31.028 3.520 6.758 9.625 12.223 14.713 17.390 19.674 23.233 26.919 - Operating Income NIM (%) 3,63 3,00 2,40 2,40 2,40 2,40 2,25 2,14 3,33 3,26 3,28 3,29 3,29 3,31 3,35
- Pendapatan bunga bersih 7.163 8.568 10.276 10.355 10.405 10.478 11.156 10.576 10.796 10.402 10.532 10.598 10.707 10.840 11.104 - Interest income net - Rata-rata total aset produktif 197.239 285.548 428.067 430.904 433.906 437.111 496.741 493.729 323.976 318.954 320.828 322.562 325.004 327.591 331.153 - Average total earning assets LDR (%) 115,63 122,20 129,26 122,80 122,40 123,61 122,66 123,94 120,96 122,55 127,90 132,89 132,31 131,10 129,56
-Total Kredit kepada pihak ketiga bukan
Bank 150.061 199.872 208.532 209.369 215.637 221.383 219.199 223.341 221.347 220.397 221.568 224.817 232.860 236.373 240.185 - Total Credit to third party - Total Dana Pihak Ketiga 129.772 163.557 161.326 170.496 176.179 179.104 178.708 180.195 182.999 179.837 173.240 169.180 175.990 180.298 185.388 - Total Third Party Funds Rasio Aset Likuid (%) 15,39 13,79 13,89 13,95 14,53 13,33 16,63 15,81 17,65 17,01 15,43 14,68 15,20 14,67 16,02
- Aset Likuid Primer 29.856 36.402 34.676 36.873 37.624 34.099 46.466 43.885 50.857 46.929 43.050 39.708 42.126 40.769 49.210 - Aset Likuid Primer - Aset Likuid Sekunder 3.334 3.299 6.633 5.691 8.400 8.572 8.452 9.035 9.617 10.371 10.554 9.422 10.094 10.601 9.079 - Aset Likuid Sekunder - Total Aset 215.621 287.902 297.415 305.156 316.718 320.067 330.260 334.727 342.615 336.932 347.405 334.668 343.579 350.054 363.906 - Total Assets
Ket: Data tidak termasuk BUS, data kinerja BUS disajikan pada tabel 2.13
Return On Assets Ratio (%) Rasio Modal Inti terhadap ATMR (%)
Keterangan
Rasio Pemenuhan Kecukupan Modal Minimum (%)Tabel 1.27.a. Kinerja Bank Campuran Konvensional (Joint Venture Banks Performance)
Miliar Rp (Billion Rp)
Items 2012
2015
Loan to Deposits Ratio (%) Net Interest Margin Ratio (%) ROA (%)
Liquid Assets Ratio (%) Core Capital Ratio to ATMR (%) Capital Adequacy Ratio (%)
Operating Expenses/Operating Income (%)
2013
2014
83
Sep Okt Nov Des Jan Feb Mar Apr Mei Jun Jul Ags Sep
30,8934,46 41,49 41,93 43,80 44,81 44,77 44,98 43,83 43,54 43,84 42,82 44,20 43,68 43,34 - Modal 73.091 106.216 142.210 140.739 147.726 151.336 153.390 156.849 155.821 156.223 158.988 156.723 162.425 166.231 168.800 - Capital - ATMR 236.592 308.209 342.761 335.671 337.306 337.709 342.652 348.698 355.500 358.831 362.692 365.967 367.462 380.565 389.438 - Risk Weighted Assets
29,91
33,49 40,68 41,12 42,98 44,03 45,83 45,20 44,08 43,77 43,97 43,09 44,42 44,00 43,80
- Modal Inti (Tier I) 70.771 103.220 139.450 138.037 144.963 148.681 157.023 157.624 156.714 157.053 159.484 157.694 163.244 167.437 170.558 - Core Capital (Tier I) - ATMR 236.592 308.209 342.761 335.671 337.306 337.709 342.652 348.698 355.500 358.831 362.692 365.967 367.462 380.565 389.438 - Risk Weighted Assets
3,06
2,92 3,01 3,10 3,01 3,08 4,73 3,84 3,29 2,96 2,42 2,15 2,21 2,31 2,20 - Laba sebelum pajak 8.837 10.003 12.130 12.599 12.285 12.626 21.298 17.538 15.197 13.794 11.346 10.109 10.414 11.002 10.620 - Profit
- Rata-rata total aset 288.751 342.766 403.185 405.837 408.514 410.520 450.239 456.413 461.663 465.298 468.061 469.948 471.312 476.130 482.329 - Average total assets BOPO (%) 80,78 83,06 80,79 79,66 80,57 79,30 82,07 82,95 84,12 84,02 86,57 87,84 87,43 87,40 88,71
- Biaya Operasional 32.856 43.697 35.532 38.174 43.183 44.727 7.978 13.977 19.575 23.431 28.741 34.064 39.366 47.564 58.270 - Operating Expenses - Pendapatan Operasional 40.672 52.606 43.983 47.918 53.599 56.405 9.721 16.850 23.269 27.889 33.200 38.780 45.024 54.418 65.688 - Operating Income NIM (%) 3,47 2,65 2,08 2,09 2,12 2,12 2,18 2,06 3,70 3,67 3,70 3,64 3,67 3,62 3,58
- Pendapatan bunga bersih 9.790 11.104 14.315 14.515 14.696 14.814 16.967 15.877 16.089 16.070 16.310 16.199 16.460 16.426 16.450 - Interest income net - Rata-rata total aset produktif 282.108 419.302 687.160 693.048 694.791 700.125 779.630 771.653 434.309 437.965 441.383 445.404 448.109 453.766 460.024 - Average total earning assets LDR (%) 111,21 130,05 146,72 143,01 136,07 140,04 129,70 133,17 134,81 133,59 134,70 133,60 137,67 129,94 131,35
-Total Kredit kepada pihak ketiga bukan
Bank 172.859 225.500 252.838 247.827 244.021 244.031 243.807 252.010 254.456 261.139 263.781 266.741 268.141 267.411 273.933 - Total Credit to third party - Total Dana Pihak Ketiga 155.430 173.395 172.329 173.298 179.335 174.261 187.971 189.243 188.758 195.475 195.830 199.661 194.771 205.795 208.557 - Total Third Party Funds Rasio Aset Likuid (%) 22,30 19,88 19,00 19,09 21,21 19,89 22,84 22,33 22,16 22,54 21,90 21,13 21,01 23,19 23,94
- Aset Likuid Primer 52.599 55.132 53.229 55.074 65.375 54.969 75.982 71.652 70.570 71.797 70.366 66.656 63.757 78.212 89.890 - Aset Likuid Primer - Aset Likuid Sekunder 14.754 22.464 29.897 26.937 26.951 31.089 26.866 31.623 34.046 35.553 34.558 34.650 36.966 40.027 37.447 - Aset Likuid Sekunder - Total Aset 301.966 390.415 437.404 429.704 435.287 432.582 450.239 462.586 472.165 476.203 479.115 479.379 479.498 509.853 531.925 - Total Assets
Ket: Data tidak termasuk BUS, data kinerja BUS disajikan pada tabel 2.13
Liquid Assets Ratio (%) Core Capital Ratio to ATMR (%)
Loan to Deposits Ratio (%) Net Interest Margin Ratio (%)
2013
2015 2014
2012
Return On Assets Ratio (%) Capital Adequacy Ratio (%)
Operating Expenses/Operating Income (%)
Tabel 1.28.a. Kinerja Bank Asing Konvensional (Foreign Owned Banks Performance)
Miliar Rp (Billion Rp)
Rasio Pemenuhan Kecukupan Modal Minimum (%)
ROA (%)
Keterangan Items
Rasio Modal Inti terhadap ATMR (%)
84
Sep Okt Nov Des Jan Feb Mar Apr Mei Jun Jul Ags Sep
- Bank Persero 1.328.168 1.535.343 1.758.873 1.917.187 1.942.742 1.974.227 2.076.605 2.030.924 2.059.959 2.090.838 2.043.232 2.045.283 2.127.935 2.141.519 2.160.110 2.184.711 - State Owned Banks
- BUSN Devisa 1.464.007 1.705.408 1.962.539 2.147.547 2.149.155 2.169.150 2.200.142 2.221.590 2.228.745 2.236.661 2.262.198 2.290.481 2.301.807 2.293.723 2.322.941 2.366.454 - Foreign Exchange Commercial Banks - BUSN Non Devisa 107.085 135.472 162.457 174.949 176.483 179.987 186.817 182.326 183.582 188.447 188.188 184.237 188.427 187.682 188.333 192.777 - Non-Foreign Exchange
Commercial Banks - BPD 304.003 366.685 389.964 481.069 480.868 478.437 440.691 448.393 459.144 498.951 530.973 537.854 548.526 528.614 530.584 559.579 - Regional Development
Banks - Bank Campuran 181.088 217.713 290.219 260.674 266.701 274.048 278.312 282.539 289.153 296.933 291.943 300.751 287.121 294.641 298.927 311.837 - Joint Venture Banks - Bank Asing 268.482 301.966 390.415 437.404 429.704 435.287 432.582 450.239 462.586 472.165 476.203 479.115 479.379 479.498 509.853 531.925 - Foreign Owned Banks
Total 3.652.832 4.262.587 4.954.467 5.418.830 5.445.652 5.511.136 5.615.150 5.616.012 5.683.168 5.783.994 5.792.737 5.837.720 5.933.195 5.925.677 6.010.747 6.147.284 Total