50 Triliun

< Rp.

1

Sep Okt Nov Des Jan Feb Mar Apr Mei Jun Jul Ags Sep

Aset Produktif Neraca 2.878.450 3.416.989 4.115.372 4.387.087 4.370.469 4.436.454 4.531.435 4.667.587 4.520.838 4.577.565 4.625.605 4.741.036 4.910.129 4.890.824 4.969.220 5.058.459 Earning Assets a. Lancar 2.745.968 3.250.997 3.929.648 4.153.584 4.146.306 4.195.053 4.308.971 4.415.322 4.238.846 4.313.552 4.350.201 4.451.066 4.624.175 4.591.471 4.658.061 4.737.225 a. Current b. DPK 81.809 110.176 124.978 153.410 142.008 158.674 143.405 167.324 194.334 175.900 183.317 193.222 188.235 196.336 204.485 213.906 b. Special Mention c. Kurang Lancar 6.790 9.189 9.481 15.170 17.292 16.573 12.864 15.970 16.132 15.524 17.212 18.398 20.866 22.179 20.455 21.030 c. Sub-Standard d. Diragukan 7.913 9.515 9.132 14.160 13.311 14.225 14.395 12.878 14.891 15.953 15.942 14.621 14.265 14.975 17.527 17.864 d. Doubtful e. Macet 35.970 37.113 42.131 50.763 51.551 51.929 51.799 56.093 56.635 56.637 58.933 63.729 62.588 65.862 68.693 68.435 e. Loss Aset Produktif Transaksi

Rekening Administratif ¹⁾

549.678 1.066.117 1.331.086 1.400.415 1.438.294 1.396.255 1.441.570 1.469.511 1.455.523 1.514.143 1.488.413 1.504.401 1.576.431 1.532.891 1.589.135 1.619.839 Earning Assets - Account Administrative Transactions ¹⁾ a. Lancar 543.128 1.053.796 1.308.578 1.376.868 1.417.141 1.375.981 1.422.274 1.449.941 1.430.103 1.493.638 1.467.485 1.478.811 1.553.885 1.511.748 1.566.643 1.593.255 a. Current

b. DPK 6.130 11.337 21.134 21.404 18.291 17.174 16.207 16.621 22.351 17.544 17.881 21.906 18.455 17.862 18.900 23.067 b. Special Mention c. Kurang Lancar 244 662 404 820 1.426 1.825 1.986 1.720 1.849 1.781 1.826 2.345 2.667 1.950 2.075 1.544 c. Sub-Standard d. Diragukan 54 141 270 376 436 347 402 552 523 479 477 573 363 435 551 996 d. Doubtful e. Macet 123 181 699 948 1.001 928 701 678 697 701 744 767 1.061 895 966 977 e. Lost Non Performing Earning Aset

(Nominal) 51.094 60.345 68.947 82.236 85.016 85.827 82.148 87.891 90.727 91.074 95.133 100.433 101.810 106.297 110.267 110.845 Non Performing Earning Asset (Nominal)

Kredit kepada Bank Lain 16.444 17.812 26.968 30.792 30.937 31.371 32.192 32.542 32.492 33.673 33.489 33.415 33.127 34.399 35.411 33.981 Interbank Loans a. Lancar 16.329 17.668 26.859 30.668 30.814 31.246 32.089 32.444 32.387 33.497 33.360 33.332 33.048 34.312 35.319 33.890 a. Current b. DPK 13 64 7 36 34 39 11 15 19 17 51 6 1 8 12 8 b. Special Mention c. Kurang Lancar 0 - 1 9 5 1 9 3 3 3 3 2 1 1 1 1 c. Sub-Standard d. Diragukan 1 - - - 0 0 0 0 0 0 0 1 1 0 0 0 d. Doubtful e. Macet 102 80 101 80 85 85 84 80 82 156 75 75 76 77 79 83 e. Loss Non Performing Loan kepada

Bank Lain (Nominal) 102 80 102 88 90 86 93 84 85 159 77 77 79 78 80 84 Interbank Non Performing Loan (Nominal)

2013

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 2012 2014

2011 2015

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 Aset adalah total dari non performing aset 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

87

Sep Okt Nov Des Jan Feb Mar Apr Mei Jun Jul Ags Sep

Aset Produktif Neraca 1.065.942 1.260.415 1.511.620 1.633.058 1.639.922 1.683.710 1.719.355 1.746.524 1.719.111 1.745.088 1.731.802 1.720.813 1.838.799 1.839.302 1.858.988 1.895.756 Earning Assets a. Lancar 1.002.233 1.176.286 1.423.606 1.528.594 1.538.614 1.573.556 1.618.156 1.629.447 1.583.323 1.626.008 1.609.847 1.590.943 1.713.440 1.711.828 1.728.249 1.765.488 a. Current b. DPK 42.834 59.753 64.199 74.029 71.563 80.109 73.414 83.709 102.640 86.776 87.977 94.106 88.300 86.875 89.622 89.756 b. Special Mention c. Kurang Lancar 1.970 2.699 2.499 5.084 4.709 4.008 3.258 6.089 5.592 4.833 5.594 5.529 7.426 10.187 8.649 8.908 c. Sub-Standard d. Diragukan 2.444 4.709 2.874 4.968 4.360 5.280 4.699 3.948 5.727 6.437 5.810 6.584 6.688 6.015 7.798 8.220 d. Doubtful e. Macet 16.461 16.967 18.441 20.383 20.676 20.756 19.829 21.458 21.829 21.033 22.574 23.650 22.946 24.397 24.671 23.384 e. Loss Aset Produktif Transaksi

Rekening Administratif ¹⁾

216.461 309.868 359.504 359.231 383.047 386.107 398.351 399.644 397.467 412.490 416.915 417.238 404.654 412.419 445.243 445.517 Earning Assets - Account Administrative Transactions ¹⁾ a. Lancar 213.608 306.205 352.102 352.245 376.839 379.262 391.594 393.848 385.058 406.061 410.152 406.783 397.688 405.720 438.321 436.199 a. Current

b. DPK 2.798 3.545 6.828 6.122 5.400 5.847 6.187 6.428 11.361 5.726 6.124 9.681 6.376 5.846 5.934 8.459 b. Special Mention c. Kurang Lancar 11 63 46 89 77 265 66 99 357 95 105 72 74 327 282 110 c. Sub-Standard d. Diragukan 5 30 57 112 75 74 70 226 229 235 138 284 95 93 246 296 d. Doubtful e. Macet 38 24 471 664 656 658 434 441 462 372 396 417 421 433 459 454 e. Loss Non Performing Earning Aset

(Nominal) 41.720 28.038 31.217 31.299 30.553 31.042 28.355 32.262 34.196 33.006 34.617 36.538 37.650 41.452 42.105 41.372 Non Performing Earning Asset (Nominal)

Kredit kepada Bank Lain 2.579 2.866 5.705 4.969 4.569 4.460 4.854 4.961 4.628 4.163 3.946 3.833 4.850 4.844 5.470 5.546 Interbank Loans a. Lancar 2.465 2.740 5.607 4.863 4.467 4.352 4.774 4.882 4.552 4.092 3.876 3.760 4.779 4.770 5.397 5.470 a. Current

b. DPK 13 48 0 33 29 36 8 9 5 3 0 3 0 3 0 0 b. Special Mention

c. Kurang Lancar - - - - - c. Sub-Standard d. Diragukan - - - - - d. Doubtful e. Macet 101 78 98 73 72 72 72 69 71 68 70 70 71 71 74 76 e. Loss Non Performing Loan kepada

Bank Lain (Nominal) 101 78 98 73 72 72 72 69 71 68 70 70 71 71 74 76 Interbank Non Performing Loan (Nominal)

2015

2012 2014

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)

2013

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

2011

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 Aset adalah total dari non performing aset 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

Indikator

88

Sep Okt Nov Des Jan Feb Mar Apr Mei Jun Jul Ags Sep

Aset Produktif Neraca 1.119.243 1.327.140 1.557.562 1.652.693 1.641.441 1.660.853 1.713.244 1.789.186 1.682.041 1.679.545 1.705.611 1.799.742 1.822.268 1.826.502 1.844.510 1.852.354 Earning Assets a. Lancar 1.072.537 1.274.458 1.499.030 1.569.504 1.564.068 1.574.450 1.636.540 1.702.905 1.588.113 1.586.160 1.605.358 1.694.532 1.718.253 1.712.234 1.723.913 1.724.223 a. Current b. DPK 27.546 33.686 37.211 53.158 44.693 53.445 46.023 53.909 60.976 60.172 65.348 68.882 67.738 77.053 81.508 87.620 b. Special Mention c. Kurang Lancar 3.060 3.810 4.009 5.937 8.169 8.437 5.171 5.525 6.066 5.305 6.044 6.459 7.217 5.593 5.747 6.650 c. Sub-Standard d. Diragukan 3.360 2.305 2.698 5.343 5.206 5.239 6.514 6.090 6.406 6.959 7.197 5.139 4.795 6.336 6.626 6.207 d. Doubtful e. Macet 12.739 12.881 14.614 18.750 19.305 19.281 18.996 20.758 20.480 20.949 21.664 24.731 24.265 25.286 26.717 27.654 e. Loss Aset Produktif Transaksi

Rekening Administratif ¹⁾

175.558 402.700 483.630 529.531 525.981 521.783 519.087 531.831 531.196 546.462 541.051 551.266 554.967 559.973 553.993 558.678 Earning Assets - Account Administrative Transactions ¹⁾ a. Lancar 175.123 400.677 480.305 523.565 521.098 517.365 515.068 527.626 526.035 542.519 536.591 546.201 550.530 555.756 549.600 553.833 a. Current

b. DPK 405 1.830 3.181 5.778 4.590 4.196 3.715 3.914 4.875 3.663 4.020 4.141 4.026 3.706 3.602 4.086 b. Special Mention c. Kurang Lancar 18 85 37 49 65 66 90 109 100 86 129 660 116 160 488 94 c. Sub-Standard d. Diragukan 3 71 50 71 69 91 105 117 120 117 200 141 135 135 121 511 d. Doubtful e. Macet 8 37 57 68 159 65 108 66 65 78 110 124 160 216 182 155 e. Loss Non Performing Earning Aset

(Nominal) 38.187 19.190 21.465 30.219 32.974 33.180 30.984 32.665 33.237 33.493 35.345 37.253 36.688 37.725 39.880 41.271 Non Performing Earning Asset (Nominal)

Kredit kepada Bank Lain 7.785 9.085 10.250 10.151 10.233 10.244 10.550 10.388 9.857 9.499 9.972 10.221 10.505 11.557 11.501 11.851 Interbank Loans a. Lancar 7.784 9.069 10.243 10.139 10.219 10.231 10.532 10.373 9.844 9.398 9.965 10.214 10.499 11.547 11.485 11.837 a. Current b. DPK - 16 5 - 2 1 - 5 2 14 2 3 1 6 12 8 b. Special Mention c. Kurang Lancar - - - 6 0 0 7 - - - 0 0 0 - - 0 c. Sub-Standard d. Diragukan - - - - - 0 0 0 0 - - 0 0 0 - d. Doubtful e. Macet 1 - 1 5 11 11 11 11 11 88 4 4 4 5 5 6 e. Loss

Non Performing Loan kepada

Bank Lain (Nominal) 1 - 1 11 11 12 18 11 11 88 5 5 5 5 5 6 Interbank Non Performing Loan (Nominal)

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 Aset adalah total dari non performing aset 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

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.

2014

Indicator

Indikator

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)

2011 2012 2013

89

Sep Okt Nov Des Jan Feb Mar Apr Mei Jun Jul Ags Sep

Aset Produktif Neraca 65.209 82.482 106.351 105.301 103.655 96.921 110.115 114.848 107.758 108.410 110.159 113.402 116.642 116.568 117.799 119.831 Earning Assets a. Lancar 62.694 79.366 102.965 99.865 98.345 93.266 104.585 108.772 101.263 102.231 104.127 106.921 110.245 109.484 110.369 112.616 a. Current b. DPK 1.601 1.872 2.276 3.870 3.659 2.469 3.796 4.341 4.679 4.273 4.170 4.592 4.620 5.266 5.568 5.538 b. Special Mention c. Kurang Lancar 189 361 226 294 291 265 331 280 324 458 481 552 487 513 388 293 c. Sub-Standard d. Diragukan 152 197 235 465 585 360 590 522 532 537 498 373 383 346 447 407 d. Doubtful e. Macet 574 686 649 807 775 560 813 933 960 912 883 964 907 959 1.027 978 e. Loss Aset Produktif Transaksi

Rekening Administratif ¹⁾

1.827 4.045 4.500 5.823 7.677 7.780 7.715 8.646 8.650 9.017 9.850 9.409 8.658 9.421 9.533 9.425 Earning Assets - Account Administrative Transactions ¹⁾

a. Lancar 1.805

4.042 4.492 5.815 7.673 7.758 7.699 8.624 8.640 9.006 9.839 9.384 8.640 9.201 9.307 9.403 a. Current b. DPK 21 3 7 7 4 20 14 21 6 8 7 22 15 186 196 19 b. Special Mention c. Kurang Lancar 0 0 0 0 0 0 - 0 2 0 0 0 0 29 28 2 c. Sub-Standard d. Diragukan 0 0 0 - 0 0 1 - - 0 0 0 0 0 0 0 d. Doubtful e. Macet 0 1 1 1 1 1 1 1 1 3 3 4 3 4 2 2 e. Loss Non Performing Earning Aset

(Nominal) 1.829 1.246 1.111 1.568 1.652 1.186 1.736 1.737 1.820 1.910 1.865 1.893 1.780 1.851 1.893 1.680 Non Performing Earning Asset (Nominal)

Kredit kepada Bank Lain 542 890 1.072 959 940 981 944 928 916 927 950 983 1.083 1.065 1.050 1.025 Interbank Loans a. Lancar 542 888 1.070 953 933 978 939 924 908 924 947 980 1.081 1.062 1.048 1.024 a. Current b. DPK - - 2 3 1 1 2 0 5 - - 0 0 0 - b. Special Mention c. Kurang Lancar - - - 2 5 1 2 3 3 3 3 2 1 1 1 1 c. Sub-Standard d. Diragukan - - - - - 0 0 1 1 - d. Doubtful e. Macet - 1 - 1 1 1 1 1 - - - 1 2 1 1 e. Loss Non Performing Loan kepada

Bank Lain (Nominal) - 1 - 3 6 2 3 4 3 3 3 2 2 2 1 1 Interbank Non Performing Loan (Nominal)

2013

2015 2012

Indikator

2014

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.

2011

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 Aset adalah total dari non performing aset 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

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)

Indicator

90

Sep Okt Nov Des Jan Feb Mar Apr Mei Jun Jul Ags Sep

Aset Produktif Neraca 240.588 297.222 334.497 390.108 391.903 387.902 367.146 377.708 381.547 398.053 429.571 449.992 461.912 436.246 448.394 470.665 Earning Assets a. Lancar 234.041 287.538 321.098 371.295 373.501 368.222 349.383 354.784 358.104 375.715 406.355 425.878 437.791 411.860 423.562 445.294 a. Current b. DPK 3.419 4.570 5.762 8.659 8.036 8.622 7.103 11.780 11.798 10.471 10.566 10.877 11.687 10.837 10.873 11.755 b. Special Mention c. Kurang Lancar 297 945 1.052 863 1.182 1.233 785 907 1.027 1.143 1.782 2.117 1.458 1.841 2.091 1.512 c. Sub-Standard d. Diragukan 281 637 987 1.359 1.228 1.276 1.378 1.139 1.099 916 857 1.284 1.467 1.599 1.163 1.266 d. Doubtful e. Macet 2.551 3.532 5.598 7.931 7.956 8.549 8.497 9.098 9.520 9.807 10.012 9.837 9.508 10.109 10.704 10.838 e. Loss Aset Produktif Transaksi

Rekening Administratif ¹⁾

17.677 31.651 31.877 30.529 30.520 29.239 28.145 26.408 25.495 24.653 25.788 26.488 27.225 28.438 27.352 28.848 Earning Assets - Account Administrative Transactions ¹⁾ a. Lancar 17.592 31.320 31.601 30.124 30.171 28.873 27.796 25.977 25.141 24.269 25.226 26.054 26.728 27.854 26.891 28.434 a. Current

b. DPK 16 249 130 183 145 167 179 262 191 159 151 185 233 128 179 89 b. Special Mention c. Kurang Lancar 3 12 3 13 27 5 4 14 5 19 218 34 51 157 46 56 c. Sub-Standard d. Diragukan 6 25 26 31 29 28 26 4 7 8 21 35 19 81 11 10 d. Doubtful e. Macet 59 44 118 178 146 165 140 151 150 198 172 180 194 218 225 258 e. Loss Non Performing Earning Aset

(Nominal) 6.248 5.195 7.784 10.376 10.570 11.256 10.829 11.313 11.808 12.092 13.062 13.486 12.698 14.005 14.240 13.941 Non Performing Earning Asset (Nominal)

Kredit kepada Bank Lain 137 357 709 878 913 939 970 949 944 961 1.017 960 1.014 1.006 966 972 Interbank Loans a. Lancar 136 357 708 878 911 938 970 948 936 961 967 960 1.013 1.006 966 972 a. Current b. DPK 0 - - 0 1 0 0 1 8 0 49 0 0 - 0 0 b. Special Mention c. Kurang Lancar 0 - 1 - - - - - 0 - 0 - 0 0 - - c. Sub-Standard d. Diragukan 1 - - - 0 - - - 0 - 0 - 0 - 0 0 d. Doubtful e. Macet 0 - - 1 1 1 0 0 0 0 0 0 0 0 0 0 e. Loss Non Performing Loan kepada

Bank Lain (Nominal) 1 - 1 1 1 1 0 0 0 0 0 0 0 0 0 0 Interbank Non Performing Loan (Nominal)

2015 2014

Indikator 2011

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 Aset adalah total dari non performing aset 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

2012 2013

Indicator

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)

91

Sep Okt Nov Des Jan Feb Mar Apr Mei Jun Jul Ags Sep

Aset Produktif Neraca 154.950 191.046 255.735 225.402 228.099 235.747 235.747 250.171 248.786 251.345 248.601 251.386 257.205 261.068 264.742 275.300 Earning Assets a. Lancar 149.721 184.439 246.183 215.347 217.964 225.126 225.126 239.398 237.692 240.659 236.634 239.939 245.095 248.517 252.028 261.751 a. Current b. DPK 3.187 4.239 7.097 6.159 6.316 6.827 6.827 6.258 6.746 6.633 7.825 7.119 7.399 7.553 7.482 8.154 b. Special Mention c. Kurang Lancar 420 540 376 962 1.044 982 982 1.554 1.469 1.384 1.064 1.061 1.264 1.678 1.344 1.291 c. Sub-Standard d. Diragukan 427 482 983 1.434 1.308 1.401 1.401 663 593 369 757 518 649 384 665 899 d. Doubtful e. Macet 1.195 1.346 1.097 1.500 1.467 1.411 1.411 2.299 2.287 2.301 2.321 2.749 2.797 2.936 3.223 3.205 e. Loss Aset Produktif Transaksi

Rekening Administratif ¹⁾

34.024 125.802 156.794 146.019 152.074 149.283 149.283 157.195 157.354 161.878 155.268 152.845 161.193 161.483 178.585 178.647 Earning Assets - Account Administrative Transactions a. Lancar 33.521 124.223 154.721 143.988 150.270 147.626 147.626 155.430 155.376 159.470 152.941 149.870 158.495 158.948 175.468 175.161 a. Current

b. DPK 441 1.452 1.929 1.934 1.714 1.563 1.563 1.700 1.910 2.324 2.268 2.680 2.355 2.430 3.008 3.376 b. Special Mention c. Kurang Lancar 62 93 58 57 53 56 56 44 47 39 39 272 319 80 45 48 c. Sub-Standard d. Diragukan - 0 64 21 18 18 18 20 21 19 19 22 23 23 57 51 d. Doubtful e. Macet - 34 22 20 19 20 20 1 0 26 1 0 2 3 7 10 e. Loss Non Performing Earning Aset

(Nominal) 4.078 2.495 2.601 3.993 3.909 3.888 3.888 4.581 4.416 4.138 4.201 4.622 5.053 5.103 5.340 5.505 Non Performing Earning Asset (Nominal)

Kredit kepada Bank Lain 5 4 152 104 86 388 388 391 387 382 374 372 450 441 434 432 Interbank Loans a. Lancar 5 4 152 104 86 388 388 391 387 382 374 372 450 441 434 432 a. Current b. DPK - - - - - b. Special Mention c. Kurang Lancar - - - - - c. Sub-Standard d. Diragukan - - - - - d. Doubtful e. Macet - - - - - e. Loss Non Performing Loan kepada

Bank Lain (Nominal) - - - - - Interbank Non Performing Loan (Nominal)

2013

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)

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

2015

Indikator

2014

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 Aset adalah total dari non performing aset 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

2012 2011

92