-
33 27 19 - - - 5 5 29 11 11 10
- Fasilitas pinjaman yang belum ditarik - - - - - Unused borrowing
- Posisi pembelian spot dan derivatif yang - - - - - Outstanding spot and derivatives
masih berjalan - (purchased)
- Lainnya (Others) - 33 27 19 - - - 5 5 29 11 11 10 - Others -
527 661 609 1.867 626 516 700 1.672 751 988 978 935
- Fasilitas kredit kepada nasabah yang - 494 588 579 1.265 584 511 666 698 665 910 893 913 - Undisbursed loan facilities
belum ditarik to debtors
Committed - - - - - Committed Uncommitted - 494 588 579 1.265 584 511 666 698 665 910 893 913 - Uncommitted - Fasilitas kredit kepada bank lain yang - - - - - Undisbursed loan facilities
belum ditarik to other banks
Committed - - - - - Committed Uncommitted - - - - - Uncommitted - Irrevocable L/C yang masih berjalan - 33 27 19 - - - 5 5 29 11 11 10 - Current Irrevocable L/C - Posisi penjualan spot dan derivatif yang - - 46 11 5 41 5 29 64 57 67 73 12 - Outstanding spot and
masih berjalan derivatives (sold)
- Lainnya - - - - 597 - - - - - Others -
634 581 677 681 695 1.667 589 587 622 555 567 571
- Garansi yang diterima - 289 216 291 289 287 1.259 202 200 224 189 189 196 - Received guarantees - Pendapatan bunga dalam penyelesaian - 345 366 386 392 408 408 387 387 397 366 378 375 - Accrued interest - Lainnya - - - - - - Others
-
384 475 703 799 699 726 427 474 503 426 457 474
- Garansi yang diberikan - 384 475 703 799 699 726 427 474 503 426 457 474 - Issued guarantees - Lainnya - - - - - - Others
-
3.757 3.750 3.840 3.962 4.048 4.147 4.276 4.431 4.527 4.768 4.884 5.010
- Penerusan Kredit - - - - - - Channelling
- Aset produktif yang dihapusbukukan - 3.757 3.750 3.840 3.962 4.048 4.147 4.276 4.431 4.527 4.768 4.884 5.010 - Written off earning assets Kredit yang diberikan - 3.757 3.750 3.840 3.962 4.048 4.147 4.276 4.431 4.527 4.768 4.884 5.010 - Credit disbursed Lainnya - - - - - - Others
- Aset produktif yang dihapustagih - - - - - - Charged off earning assets Kredit yang diberikan - - - - - - Credit disbursed Lainnya - - - - - - Others Lainnya
Kewajiban Kontijensi Contingent Liabilities
Others
Tabel 1.24. Rekening Administratif Bank Umum Syariah - BUKU 3 (Commercial Sharia Banks Off-Balance Sheet - Group of Business Acitivies 3)
Miliar Rp (Billion Rp)
Indikator Indicator
Tagihan Komitmen Commited Claims
Kewajiban Komitmen Commited Liabilities
Tagihan Kontinjensi Contingent Claims
2016
2014 2015
27
Jan Feb Mar Apr Mei Jun Jul Ags Sep Okt Nov 19,57
21,39 21,75 21,93 22,00 21,95 22,41 22,56 23,19 23,26 22,60 23,19 23,04
- Modal 754.174 914.657 934.803 938.203 948.063 951.422 984.035 1.009.113 1.027.173 1.036.925 1.018.067 1.038.877 1.045.429 - Capital
- ATMR 3.854.234 4.276.555 4.298.533 4.277.359 4.308.867 4.334.008 4.391.700 4.473.377 4.429.093 4.458.188 4.505.480 4.479.622 4.538.006 - Risk Weighted Assets 18,01
19,00 19,20 19,39 19,42 19,46 19,85 20,04 20,56 20,71 20,89 21,46 21,32
- Modal Inti (Tier I) 694.198 812.590 825.250 829.248 836.686 843.332 871.816 896.383 910.664 923.507 941.080 961.359 967.359 - Core Capital (Tier I) - ATMR 3.854.234 4.276.555 4.298.533 4.277.359 4.308.867 4.334.008 4.391.700 4.473.377 4.429.093 4.458.188 4.505.480 4.479.622 4.538.006 - Risk Weighted Assets
2,85
2,32 2,51 2,29 2,44 2,38 2,34 2,31 2,35 2,36 2,38 2,41 2,37
- Laba sebelum pajak 142.769 132.601 147.565 135.059 144.273 141.210 139.406 138.230 141.042 142.033 143.531 145.636 143.913 - Profit
- Rata-rata total aset 5.004.089 5.703.813 5.886.289 5.897.521 5.916.572 5.929.530 5.949.975 5.982.755 6.004.095 6.024.319 6.028.224 6.047.242 6.073.446 - Average total assets
76,29 81,49 84,86 84,22 82,96 82,30 82,36 82,23 81,37 81,31 81,02 81,26 80,64
- Biaya Operasional 446.217 569.141 67.821 119.536 173.129 215.798 261.165 314.471 354.959 404.611 455.279 525.190 542.162 - Operating Expenses - Pendapatan Operasional 584.887 698.404 79.918 141.926 208.701 262.220 317.094 382.450 436.236 497.629 561.950 646.323 672.322 - Operating Income
4,23
5,39 5,63 5,47 5,55 5,56 5,60 5,59 5,59 5,59 5,65 5,65 5,62
- Pendapatan bunga bersih 260.940 293.824 318.581 310.370 316.062 317.252 320.066 321.005 321.836 322.686 326.399 327.610 327.475 - Interest income net - Rata-rata total aset produktif 6.161.761 5.449.642 5.659.754 5.676.905 5.694.262 5.702.201 5.718.817 5.740.023 5.758.195 5.776.471 5.780.206 5.797.848 5.823.223 - Average total earning assets
89,42
92,11 90,95 89,50 89,60 89,52 90,32 91,19 90,18 90,04 91,71 90,77 90,70 - Total Kredit kepada pihak ketiga
bukan Bank 3.526.364 3.903.936 3.830.835 3.816.156 3.847.481 3.853.274 3.914.732 4.010.165 3.973.867 3.989.665 4.040.397 4.042.217 4.110.389 - Total Credit to third party - Total Dana Pihak Ketiga 3.943.697 4.238.349 4.211.794 4.263.681 4.294.176 4.304.273 4.334.098 4.397.620 4.406.613 4.431.197 4.405.603 4.453.197 4.531.645 - Total Third Party Funds
16,24
16,70 16,74 17,40 17,96 17,74 17,71 17,72 16,34 16,78 16,49 17,27 17,20
- Aset Likuid Primer 686.023 736.720 722.958 739.015 787.248 766.707 773.470 802.188 720.875 730.638 746.111 777.163 794.818 - Aset Likuid Primer - Aset Likuid Sekunder 192.598 251.623 262.200 289.115 282.493 292.029 294.890 287.060 280.907 304.013 280.295 297.109 294.609 - Aset Likuid Sekunder - Total Aset 5.410.098 5.919.390 5.886.289 5.908.754 5.954.674 5.968.404 6.031.753 6.146.653 6.132.137 6.165.885 6.223.751 6.218.768 6.335.493 - Total Assets
Liquid Assets Ratio (%) Rasio Aset Likuid (%)
Tabel 1.25. Kinerja Bank Umum Konvensional (Commercial Banks Performance)
Miliar Rp (Billion Rp)
Keterangan Items
Rasio Pemenuhan Kecukupan Modal Minimum
(%) Capital Adequacy Ratio (%)
Rasio Modal Inti terhadap ATMR (%) Core Capital Ratio to ATMR (%)
Return On Assets Ratio (%)
Loan to Deposits Ratio (%) Net Interest Margin Ratio (%)
Return On Assets Ratio (%)
Operating Expenses/Operating Income (%)
Net Interest Margin Ratio (%)
Loan to Deposits Ratio (%) Biaya Operasional thdp Pendapatan Operasional
(%)
2016 2015
2014
Ket: Data tidak termasuk data kinerja BUS
28
Jan Feb Mar Apr Mei Jun Jul Ags Sep Okt Nov 18,21 22,30 21,41 21,73 20,84 22,25 22,69 20,87 20,90 22,16 21,37 21,79 22,53
- Modal 19.415 18.763 18.263 18.618 17.482 16.338 17.721 15.047 15.199 13.379 13.005 13.347 14.000 - Capital
- ATMR 106.642 84.122 85.284 85.672 83.875 73.431 78.108 72.117 72.721 60.384 60.841 61.248 62.129 - Risk Weighted Assets 16,89
20,61 19,60 19,91 18,99 20,81 21,29 19,46 19,49 20,63 20,60 21,01 21,75
- Modal Inti (Tier I) 18.014 17.334 16.719 17.056 15.931 15.280 16.626 14.031 14.173 12.459 12.532 12.865 13.511 - Core Capital (Tier I)
- ATMR 106.642 84.122 85.284 85.672 83.875 73.431 78.108 72.117 72.721 60.384 60.841 61.248 62.129 - Risk Weighted Assets 1,87
1,69 2,14 1,98 1,97 2,18 2,04 1,62 1,62 1,56 1,49 1,56 1,58
- Laba sebelum pajak 2.908 2.260 2.865 2.674 2.622 2.702 2.567 1.874 1.885 1.571 1.503 1.569 1.596 - Profit
- Rata-rata total aset 155.862 133.597 134.103 135.344 133.437 123.983 126.089 115.977 116.457 100.624 100.658 100.689 100.702 - Average total assets 85,26
85,86 81,67 82,80 83,41 82,21 83,26 86,57 86,45 87,03 87,46 86,96 86,79
- Biaya Operasional 16.776 14.167 1.101 2.217 3.363 4.154 5.296 6.104 7.106 7.131 7.989 8.871 9.786 - Operating Expenses - Pendapatan Operasional 19.677 16.501 1.348 2.677 4.032 5.053 6.361 7.051 8.220 8.194 9.134 10.202 11.276 - Operating Income
5,82
6,14 6,13 6,00 6,11 6,36 6,28 6,21 6,19 6,13 6,10 6,17 6,22
- Pendapatan bunga bersih 9.309 7.708 7.796 7.707 7.722 7.476 7.510 6.825 6.826 5.833 5.809 5.876 5.920 - Interest income net
- Rata-rata total aset produktif 159.857 125.591 127.159 128.372 126.394 117.577 119.611 109.885 110.331 95.128 95.152 95.157 95.154 - Average total earning assets 85,11
86,04 79,14 78,48 73,99 72,43 72,80 79,80 77,55 79,89 81,59 82,08 84,79 - Total Kredit kepada pihak ketiga
bukan Bank 109.924 86.102 85.149 85.975 83.672 77.968 78.973 74.167 74.050 63.569 64.229 65.080 66.028 - Total Credit to third party - Total Dana Pihak Ketiga 129.155 100.070 107.593 109.548 113.093 107.641 108.485 92.941 95.487 79.569 78.721 79.285 77.872 - Total Third Party Funds
19,09
20,06 22,27 22,04 26,22 25,68 24,51 23,09 22,07 19,90 21,86 20,93 19,34
- Aset Likuid Primer 29.862 24.362 28.220 28.630 35.529 32.709 31.676 25.954 25.094 18.900 20.919 19.972 18.320 - Aset Likuid Primer - Aset Likuid Sekunder 1.906 1.977 1.649 1.474 1.199 1.284 1.292 1.202 1.250 1.109 1.146 1.157 1.184 - Aset Likuid Sekunder
- Total Aset 166.367 131.305 134.103 136.584 140.085 132.387 134.513 117.619 119.342 100.536 100.934 100.963 100.838 - Total Assets
Note: r) Revised figures
Tabel 1.26. Kinerja Bank Umum Konvensional - BUKU 1
(Performance of Commercial Conventional Banks - Group of Business Activities 1) Miliar Rp (Billion Rp)
Capital Adequacy Ratio (%) Rasio Pemenuhan Kecukupan Modal Minimum
(%)
Liquid Assets Ratio (%)
2014 2015
Loan to Deposits Ratio (%)
Rasio Modal Inti terhadap ATMR (%) Core Capital Ratio to ATMR (%)
Net Interest Margin Ratio (%)
Loan to Deposits Ratio (%) Return On Assets Ratio (%)
Items
Return On Assets Ratio (%)
Biaya Operasional thdp Pendapatan Operasional
(%) Operating Expenses/Operating Income (%)
Rasio Aset Likuid (%) Net Interest Margin Ratio (%)
Ket: r) Angka-Angka Diperbaiki
2016 Keterangan
29
Jan Feb Mar Apr Mei Jun Jul Ags Sep Okt Nov 29,97
23,05 23,33 23,54 22,53 20,04 21,98 22,35 22,57 22,79 22,31 22,23 22,51
- Modal 215.194 128.282 133.296 134.138 126.852 115.481 128.988 132.994 134.861 139.077 134.998 134.819 137.304 - Capital
- ATMR 717.952 556.575 571.308 569.876 562.988 576.280 586.866 595.106 597.465 610.265 605.192 606.561 609.889 - Risk Weighted Assets
28,45 20,72 20,92 21,13 20,09 17,60 19,53 19,92 20,05 20,30 20,24 20,20 20,53
- Modal Inti (Tier I) 204.273 115.331 119.527 120.395 113.111 101.445 114.625 118.556 119.765 123.900 122.501 122.516 125.233 - Core Capital (Tier I)
- ATMR 717.952 556.575 571.308 569.876 562.988 576.280 586.866 595.106 597.465 610.265 605.192 606.561 609.889 - Risk Weighted Assets 2,38
1,62 2,43 2,04 1,97 1,76 1,73 1,82 1,84 1,83 1,80 1,81 1,76
- Laba sebelum pajak 22.339 13.161 20.296 17.104 16.142 14.766 14.558 15.576 15.776 15.964 15.334 15.455 15.047 - Profit
- Rata-rata total aset 938.787 814.483 836.391 837.867 817.614 837.071 841.813 853.684 855.866 873.276 852.882 853.599 855.425 - Average total assets 81,04
85,48 81,00 82,49 83,42 84,51 85,19 84,45 83,83 84,01 84,22 84,03 84,62
- Biaya Operasional 92.469 77.487 7.108 13.393 20.245 26.969 34.474 41.685 47.380 55.322 61.017 67.344 74.925 - Operating Expenses - Pendapatan Operasional 114.104 90.650 8.775 16.236 24.269 31.911 40.465 49.361 56.522 65.850 72.452 80.142 88.542 - Operating Income
3,54
4,74 4,97 4,80 4,92 4,88 4,91 4,99 5,00 5,05 5,02 5,05 5,06
- Pendapatan bunga bersih 42.828 36.762 39.764 38.553 38.581 39.231 39.759 40.885 41.082 42.347 41.161 41.412 41.579 - Interest income net
- Rata-rata total aset produktif 1.209.871 776.242 800.561 802.867 784.520 804.259 809.107 819.746 821.775 838.427 819.379 820.040 821.693 - Average total earning assets 101,72
97,81 92,13 89,93 87,70 85,47 87,50 90,10 88,44 88,95 92,49 91,81 92,43 - Total Kredit kepada pihak ketiga
bukan Bank 633.850 528.114 525.957 524.456 522.613 534.583 545.381 556.458 554.401 567.802 560.691 561.787 570.128 - Total Credit to third party - Total Dana Pihak Ketiga 623.124 539.928 570.891 583.184 595.929 625.461 623.267 617.589 626.897 638.335 606.196 611.891 616.793 - Total Third Party Funds
19,31
18,62 20,66 20,88 20,74 20,76 19,79 20,11 18,84 18,93 18,23 18,87 18,72
- Aset Likuid Primer 156.201 128.302 151.136 150.652 153.488 158.377 149.798 152.173 143.691 146.346 133.788 139.295 142.143 - Aset Likuid Primer - Aset Likuid Sekunder 37.501 22.721 21.649 24.576 18.560 19.917 20.576 20.975 20.047 21.107 21.922 22.972 21.413 - Aset Likuid Sekunder
- Total Aset 1.003.337 811.066 836.391 839.343 829.412 858.672 860.780 860.836 868.963 884.395 854.015 860.054 873.681 - Total Assets
Note: r) Revised figures Biaya Operasional thdp Pendapatan Operasional
(%)
Rasio Aset Likuid (%)
2014 2015
Tabel 1.27. Kinerja Bank Umum Konvensional - BUKU 2
(Performance of Commercial Conventional Banks - Group of Business Activities 2) Miliar Rp (Billion Rp)
Operating Expenses/Operating Income (%)
Net Interest Margin Ratio (%)
Loan to Deposits Ratio (%)
Liquid Assets Ratio (%)
Keterangan Items
Rasio Pemenuhan Kecukupan Modal Minimum
(%) Capital Adequacy Ratio (%)
Rasio Modal Inti terhadap ATMR (%) Core Capital Ratio to ATMR (%)
Ket: r) Angka-Angka Diperbaiki
Return On Assets Ratio (%)
Loan to Deposits Ratio (%)
2016
Net Interest Margin Ratio (%) Return On Assets Ratio (%)
30
Jan Feb Mar Apr Mei Jun Jul Ags Sep Okt Nov 17,04
23,30 23,58 23,69 24,29 24,13 24,42 24,58 25,00 25,35 25,23 25,36 25,26
- Modal 226.451 387.849 390.969 389.101 402.696 398.466 407.450 415.145 418.664 423.968 422.547 423.656 426.436 - Capital
- ATMR 1.328.635 1.664.523 1.657.920 1.642.140 1.658.057 1.651.036 1.668.418 1.689.134 1.674.838 1.672.607 1.674.651 1.670.778 1.688.023 - Risk Weighted Assets 14,62
20,96 20,99 21,11 21,53 21,57 21,86 21,88 22,27 22,62 22,72 22,80 22,71
- Modal Inti (Tier I) 194.292 348.872 347.974 346.580 357.044 356.080 364.773 369.534 373.008 378.411 380.510 380.991 383.340 - Core Capital (Tier I)
- ATMR 1.328.635 1.664.523 1.657.920 1.642.140 1.658.057 1.651.036 1.668.418 1.689.134 1.674.838 1.672.607 1.674.651 1.670.778 1.688.023 - Risk Weighted Assets 1,78
1,25 1,54 1,42 1,67 1,64 1,66 1,69 1,71 1,72 1,75 1,73 1,65
- Laba sebelum pajak 30.062 27.739 34.737 31.964 38.109 37.279 37.928 38.671 39.203 39.435 40.269 39.781 38.017 - Profit
- Rata-rata total aset 1.688.497 2.225.152 2.250.451 2.247.079 2.277.512 2.273.598 2.278.433 2.284.455 2.289.225 2.295.416 2.299.065 2.301.351 2.306.351 - Average total assets 84,67
90,71 91,09 91,41 89,80 89,32 88,41 88,34 87,93 87,82 87,65 87,41 87,76
- Biaya Operasional 165.217 272.740 29.398 55.582 81.160 99.895 115.933 141.300 161.014 183.276 207.687 222.380 240.806 - Operating Expenses - Pendapatan Operasional 195.141 300.675 32.273 60.807 90.374 111.842 131.127 159.959 183.109 208.688 236.954 254.411 274.391 - Operating Income
3,44
4,49 4,71 4,58 4,65 4,68 4,71 4,71 4,72 4,73 4,73 4,75 4,74
- Pendapatan bunga bersih 74.045 95.820 102.255 99.531 102.308 102.839 103.624 103.756 104.179 104.613 104.888 105.293 105.413 - Interest income net
- Rata-rata total aset produktif 2.150.516 2.135.467 2.171.155 2.172.245 2.200.904 2.197.009 2.201.934 2.204.604 2.208.026 2.213.868 2.217.032 2.218.856 2.223.546 - Average total earning assets 96,99
99,37 96,97 96,00 96,75 96,74 96,23 98,74 95,78 94,32 97,59 96,22 96,03 - Total Kredit kepada pihak ketiga
bukan Bank 1.229.517 1.507.831 1.480.038 1.476.766 1.491.269 1.484.138 1.501.377 1.525.873 1.512.500 1.510.649 1.523.708 1.514.236 1.528.576 - Total Credit to third party - Total Dana Pihak Ketiga 1.267.728 1.517.441 1.526.252 1.538.245 1.541.305 1.534.221 1.560.253 1.545.318 1.579.090 1.601.603 1.561.330 1.573.760 1.591.773 - Total Third Party Funds
12,90
15,02 16,18 16,32 16,80 17,10 17,58 16,57 16,16 17,15 16,48 17,44 16,96
- Aset Likuid Primer 182.757 253.558 274.232 263.675 275.106 276.665 298.436 286.209 276.993 297.945 282.652 305.227 295.228 - Aset Likuid Primer - Aset Likuid Sekunder 44.688 84.197 89.957 102.416 107.277 110.145 105.455 97.393 97.607 103.105 101.113 99.787 104.474 - Aset Likuid Sekunder - Total Aset 1.762.813 2.248.668 2.250.451 2.243.706 2.275.613 2.261.856 2.297.775 2.314.565 2.317.847 2.338.748 2.328.259 2.322.292 2.356.352 - Total Assets Rasio Pemenuhan Kecukupan Modal Minimum
(%) Capital Adequacy Ratio (%)
Operating Expenses/Operating Income (%) Return On Assets Ratio (%)
Rasio Aset Likuid (%)
Loan to Deposits Ratio (%) Items
2014 2015
Net Interest Margin Ratio (%)
Loan to Deposits Ratio (%)
Liquid Assets Ratio (%)
Tabel 1.28. Kinerja Bank Umum Konvensional - BUKU 3
(Performance of Commercial Conventional Banks - Group of Business Activities 3) Miliar Rp (Billion Rp)
Keterangan
Core Capital Ratio to ATMR (%) Rasio Modal Inti terhadap ATMR (%)
Net Interest Margin Ratio (%) Biaya Operasional thdp Pendapatan Operasional
(%)
2016
Return On Assets Ratio (%)
31
Jan Feb Mar Apr Mei Jun Jul Ags Sep Okt Nov 17,18
19,26 19,77 20,02 20,01 20,71 20,88 21,06 22,00 21,77 20,67 21,81 21,47
- Modal 292.203 379.762 392.275 396.346 401.032 421.137 429.876 445.927 458.450 460.501 447.517 467.055 467.688 - Capital
- ATMR 1.701.005 1.971.334 1.984.021 1.979.670 2.003.947 2.033.260 2.058.308 2.117.020 2.084.068 2.114.932 2.164.796 2.141.034 2.177.964 - Risk Weighted Assets 16,28
16,79 17,19 17,44 17,50 18,22 18,26 18,62 19,37 19,33 19,66 20,78 20,44
- Modal Inti (Tier I) 276.919 331.052 341.030 345.217 350.599 370.527 375.792 394.262 403.718 408.737 425.537 444.988 445.275 - Core Capital (Tier I)
- ATMR 1.701.005 1.971.334 1.984.021 1.979.670 2.003.947 2.033.260 2.058.308 2.117.020 2.084.068 2.114.932 2.164.796 2.141.034 2.177.964 - Risk Weighted Assets 3,94
3,53 3,36 3,11 3,25 3,21 3,12 3,01 3,07 3,09 3,11 3,18 3,18
- Laba sebelum pajak 87.460 89.441 89.667 83.318 87.399 86.463 84.353 82.109 84.178 85.063 86.424 88.830 89.253 - Profit
- Rata-rata total aset 2.220.943 2.530.581 2.665.344 2.677.232 2.688.009 2.694.879 2.703.640 2.728.639 2.742.546 2.755.003 2.775.619 2.791.603 2.810.968 - Average total assets 67,10
70,46 80,52 77,72 75,94 74,75 75,79 75,50 74,03 73,93 73,37 75,14 72,67
- Biaya Operasional 171.756 204.747 30.214 48.345 68.361 84.781 105.462 125.382 139.459 158.881 178.587 226.595 216.645 - Operating Expenses - Pendapatan Operasional 255.966 290.578 37.522 62.206 90.025 113.414 139.141 166.079 188.385 214.896 243.410 301.568 298.113 - Operating Income
5,10
6,36 6,59 6,40 6,48 6,49 6,54 6,51 6,48 6,46 6,59 6,57 6,51
- Pendapatan bunga bersih 134.759 153.534 168.767 164.579 167.451 167.706 169.173 169.539 169.749 169.894 174.542 175.030 174.562 - Interest income net - Rata-rata total aset produktif 2.641.571 2.412.342 2.560.880 2.573.421 2.582.444 2.583.356 2.588.165 2.605.787 2.618.064 2.629.047 2.648.643 2.663.795 2.682.831 - Average total earning assets
80,73
85,63 86,68 85,06 85,62 86,24 87,61 86,55 87,07 87,50 87,61 86,88 86,66 - Total Kredit kepada pihak ketiga
bukan Bank 1.553.074 1.781.889 1.739.691 1.728.958 1.749.927 1.756.586 1.789.001 1.853.667 1.832.915 1.847.645 1.891.770 1.901.113 1.945.657 - Total Credit to third party - Total Dana Pihak Ketiga 1.923.690 2.080.909 2.007.059 2.032.705 2.043.849 2.036.951 2.042.093 2.141.772 2.105.138 2.111.689 2.159.355 2.188.261 2.245.208 - Total Third Party Funds
17,18
17,34 15,69 16,98 17,66 16,93 16,84 17,71 15,47 15,70 15,81 16,55 16,86
- Aset Likuid Primer 317.203 330.498 269.371 296.057 323.124 298.957 293.560 337.852 275.097 267.446 308.751 312.670 339.128 - Aset Likuid Primer - Aset Likuid Sekunder 108.503 142.729 148.944 160.649 155.457 160.682 167.567 167.491 162.003 178.692 156.114 173.194 167.538 - Aset Likuid Sekunder - Total Aset 2.477.580 2.728.351 2.665.344 2.689.120 2.709.564 2.715.489 2.738.685 2.853.633 2.825.985 2.842.207 2.940.544 2.935.459 3.004.621 - Total Assets
Keterangan
Liquid Assets Ratio (%)
Tabel 1.29. Kinerja Bank Umum Konvensional - BUKU 4
(Performance of Commercial Conventional Banks - Group of Business Activities 4) Miliar Rp (Billion Rp)
Capital Adequacy Ratio (%)
2014 2015
Loan to Deposits Ratio (%) Loan to Deposits Ratio (%)
Rasio Modal Inti terhadap ATMR (%) Core Capital Ratio to ATMR (%)
Return On Assets Ratio (%)
Net Interest Margin Ratio (%)
Items 2016
Operating Expenses/Operating Income (%) Biaya Operasional thdp Pendapatan Operasional
(%)
Return On Assets Ratio (%) Rasio Pemenuhan Kecukupan Modal Minimum
(%)
Net Interest Margin Ratio (%)
Rasio Aset Likuid (%)
32
Jan Feb Mar Apr Mei Jun Jul Ags Sep Okt Nov 17,56
20,49 20,26 20,09 19,91 19,79 16,69 19,11 18,82 18,96 19,93 18,11 19,54
- Modal 3.512 3.851 2.761 2.712 2.735 2.760 2.221 2.672 2.643 2.655 2.833 2.563 2.846 - Capital
- ATMR 19.996 18.800 13.631 13.497 13.739 13.950 13.308 13.985 14.045 14.004 14.211 14.152 14.567 - Risk Weighted Assets Earning Assset Quality 3,49
4,26 6,32 6,76 6,24 6,99 7,20 7,42 6,81 7,26 6,44 8,28 7,53 Classified Earning assets to Earning assets (%) - APYD 857 975 1.137 1.227 1.181 1.322 1.398 1.413 1.356 1.464 1.330 1.662 1.528 - Classified Earning Assets
- Total Aktiva Produktif 24.591 22.852 17.977 18.149 18.939 18.896 19.407 19.044 19.917 20.160 20.635 20.071 20.292 - Total Earning assets Profitability
0,75
0,42 4,32 2,37 2,13 1,16 (6.51) 0,06 (1,33) (3,11) (1,55) (3,20) (0,94)
- Pendapatan 168 81 721 400 365 200 (1.135) 11 (234) (550) (276) (571) (169) - Net Operations Income - Rata-rata Aktiva 22.525 19.467 16.670 16.827 17.126 17.260 17.420 17.435 17.546 17.661 17.801 17.848 17.905 - Average Earning Assets
0,66
0,40 3,87 2,20 1,96 1,10 (5.83) 0,12 (1,14) (2,75) (1,35) (2,85) (0,81)
- Laba 165 86 721 414 373 211 (1.123) 22 (223) (538) (266) (562) (160) - Profit - Rata-Rata total aset 25.126 21.575 18.642 18.792 19.083 19.213 19.272 19.425 19.530 19.598 19.704 19.700 19.746 - Average Assets
95,36 97,66 80,04 88,15 88,93 93,72 136,25 99,72 106,15 114,41 107,16 115,39 104,29
- Biaya Operasional 3.459 3.373 241 495 733 995 1.777 1.982 2.357 2.910 3.091 3.569 3.760 - Operations Expenses - Pendapatan 3.627 3.454 301 562 824 1.062 1.304 1.987 2.221 2.544 2.884 3.093 3.606 - Operations Income
Liquidity 18,03 20,21 18,97 21,84 18,97 24,11 19,89 23,01 20,27 19,74 20,54 20,20 23,12
- Aktiva Jangka Pendek 3.910 3.820 2.847 3.107 3.017 3.839 3.258 3.777 3.355 3.263 3.424 3.386 3.830 - Short-Term Assets - Kewajiban Jangka 21.684 18.906 15.011 14.223 15.902 15.922 16.386 16.416 16.553 16.533 16.667 16.761 16.571 - Short-Term Liabilities
93,38 96,60 98,76 95,66 93,55 95,48 90,68 94,04 92,32 95,44 97,58 99,09 100,40
- Pembiayaan 19.257 17.495 14.358 14.323 14.517 14.615 14.677 14.926 15.004 15.270 15.488 15.601 15.698 - Financing - Dana Pihak Ketiga 20.623 18.112 14.538 14.972 15.518 15.307 16.186 15.873 16.252 16.001 15.872 15.744 15.636 - Third Party Funds Ket: r) Angka-angka diperbaiki
*) Angka-angka sementara
r) untuk Data KAP posisi Juli - Desember 2014 terdapat revisi tingkat kesehatan BUS - UUS berdasarkan SE OJK No. 11/SEOJK.03/2014 tgl 11 Juni 2014
Note: r) Revised figures
*) Provisional figures r) Revision on data for KAP at July-December 2014 on Banking Health Measurement, which is based on SE OJK No. 11/SEOJK.03/2014 at June 11th, 2014 Likuiditas
Short Term Mismatch (%)
Finance to Deposit Ratio (%) Short Term Mismatch (%)
Finance to Deposit Ratio (%)
Tabel 1.30. Kinerja Bank Umum Syariah - BUKU 1
(Performance of Commercial Sharia Banks - Group of Business Activities 1) Miliar Rp (Billion Rp)
Return On Assets Ratio (%)
Operating Expenses to Operations Revenue (%) Net Operating Margin (%)
Biaya Operasional thdp Pendapatan Operasional (%)
Indikator Indicator
Kualitas Aktiva Produktif APYD terhadap Aktiva Produktif (%)
2014 2015
Rentabilitas
Capital Adequacy Ratio (%) Capital Adequacy Ratio (%)
2016
Return On Assets Ratio (%) Net Operating Margin (%)
33
Jan Feb Mar Apr Mei Jun Jul Ags Sep Okt Nov 15,39
14,96 15,08 16,07 16,20 16,05 15,43 15,68 15,92 16,00 16.62 *) 16.62 * 16,75
- Modal 16.073 13.189 14.247 14.095 14.141 14.147 13.805 14.211 14.212 14.237 16.292 16.294 16.523 - Capital
- ATMR 104.410 88.180 94.476 87.719 87.300 88.166 89.496 90.644 89.266 88.996 98.043 98.017 98.637 - Risk Weighted Assets Earning Assset Quality 4,95
5,01 5,48 5,91 5,88 5,71 6,04 5,18 5,27 5,29 4,58 4,44 4,52 Classified Earning assets to Earning assets (%) - APYD 9.198 5.466 6.059 6.506 6.570 6.347 6.752 5.876 5.938 5.980 6.179 6.008 6.211 - Classified Earning Assets
- Total Aktiva Produktif 185.781 109.147 110.489 110.001 111.656 111.225 111.844 113.402 112.594 112.975 134.819 135.394 137.484 - Total Earning assets
Profitability 0,49
0,54 1,09 0,97 1,06 1,04 0,95 0,97 1,02 1,04 1,00 1,00 1,06
- Pendapatan 748 544 1.179 1.047 1.147 1.132 1.031 1.055 1.115 1.137 1.144 1.157 1.243 - Net Operations Income
- Rata-rata Aktiva 153.023 101.146 108.417 108.163 108.508 108.589 108.765 109.197 109.396 109.589 113.954 115.758 117.435 - Average Earning Assets 0,38
0,48 0,88 0,81 0,89 0,88 0,85 0,89 0,91 0,92 0,89 0,90 0,96
- Laba 657 543 1.067 979 1.075 1.059 1.029 1.083 1.108 1.127 1.127 1.160 1.247 - Profit - Rata-Rata total aset 173.121 112.488 120.722 120.327 120.838 120.876 120.951 121.443 121.680 121.856 126.694 128.637 130.470 - Average Assets
97,19
96,03 93,61 92,93 92,21 92,13 93,26 92,91 92,44 92,19 92,41 93,11 92,61
- Biaya Operasional 25.826 13.155 1.440 2.295 3.393 4.418 5.947 6.912 7.955 8.942 10.439 13.024 14.282 - Operations Expenses - Pendapatan 26.574 13.699 1.538 2.470 3.680 4.795 6.376 7.440 8.605 9.700 11.297 13.988 15.422 - Operations Income
Liquidity 18,25
18,62 20,88 24,22 24,54 25,17 22,79 21,88 22,46 23,14 27,79 26,78 27,82
- Aktiva Jangka Pendek 23.923 15.888 17.790 20.201 20.927 21.088 19.414 19.120 19.274 20.000 29.401 27.607 29.211 - Short-Term Assets
- Kewajiban Jangka 131.075 85.331 85.210 83.396 85.269 83.766 85.194 87.379 85.803 86.423 105.782 103.101 104.983 - Short-Term Liabilities 85,73
90,55 90,99 91,81 91,64 92,31 93,24 93,35 92,60 90,93 88,49 89,52 88,70
- Pembiayaan 128.687 85.771 88.137 87.666 88.071 88.129 89.355 90.908 89.519 88.768 103.644 104.203 105.198 - Financing
- Dana Pihak Ketiga 150.100 94.726 96.865 95.491 96.101 95.469 95.829 97.386 96.672 97.622 117.127 116.400 118.600 - Third Party Funds Ket: r) Angka-angka diperbaiki
*) Angka-angka sementara
r) untuk Data KAP posisi Juli - Desember 2014 terdapat revisi tingkat kesehatan BUS - UUS berdasarkan SE OJK No. 11/SEOJK.03/2014 tgl 11 Juni 2014
Note: r) Revised figures
*) Provisional figures r) Revision on data for KAP at July-December 2014 on Banking Health Measurement, which is based on SE OJK No. 11/SEOJK.03/2014 at June 11th, 2014
Finance to Deposit Ratio (%) 2015
Operating Expenses to Operations Revenue (%)
Short Term Mismatch (%) Rentabilitas
Net Operating Margin (%)
Capital Adequacy Ratio (%)
Net Operating Margin (%)
Return On Assets Ratio (%) Return On Assets Ratio (%)
Likuiditas
Short Term Mismatch (%) Kualitas Aktiva Produktif APYD terhadap Aktiva Produktif (%)
Indicator 2014
Finance to Deposit Ratio (%)
2016 Indikator
Biaya Operasional thdp Pendapatan Operasional (%)
Capital Adequacy Ratio (%)
Tabel 1.31. Kinerja Bank Umum Syariah - BUKU 2
(Performance of Commercial Sharia Banks - Group of Business Activities 2) Miliar Rp (Billion Rp)
34
Jan Feb Mar Apr Mei Jun Jul Ags Sep Okt Nov -
13,02 13,62 12,95 11,52 13,03 13,08 11,98 12,07 11,95 12,11 12,08 13,01
- Modal - 6.369 6.122 6.154 6.189 6.243 6.386 6.438 6.473 6.456 6.553 6.532 7.032 - Capital
- ATMR - 48.913 44.948 47.540 53.740 47.898 48.834 53.763 53.647 54.029 54.094 54.063 54.065 - Risk Weighted Assets Earning Assset Quality -
5,82 6,66 6,32 5,86 5,92 6,01 5,47 5,28 5,73 5,27 5,05 5,25 Classified Earning assets to Earning assets (%) - APYD - 3.787 4.316 4.238 3.926 3.930 3.957 3.659 3.673 3.926 3.674 3.586 3.796 - Classified Earning Assets
- Total Aktiva Produktif - 65.102 64.807 67.017 66.995 66.420 65.832 66.941 69.505 68.559 69.697 71.006 72.275 - Total Earning assets Profitability
-
0,54 0,58 0,53 0,60 0,63 0,65 0,67 0,67 0,68 0,65 0,64 0,62
- Pendapatan - 331 371 346 396 416 427 439 445 447 431 427 419 - Net Operations Income - Rata-rata Aktiva - 61.688 64.272 65.255 65.553 65.594 65.496 65.614 66.055 66.275 66.583 66.960 67.384 - Average Earning Assets
-
0,52 0,46 0,45 0,57 0,60 0,61 0,62 0,63 0,62 0,60 0,59 0,57
- Laba - 348 325 319 405 429 437 444 450 445 434 426 417 - Profit - Rata-Rata total aset - 67.284 70.250 70.984 71.168 71.302 71.162 71.306 71.721 71.957 72.211 72.573 73.008 - Average Assets
-
97,76 98,58 97,59 97,53 97,31 97,20 97,16 97,20 97,14 97,29 97,29 97,34
- Biaya Operasional - 14.417 2.141 2.332 3.905 5.011 6.186 7.501 8.997 10.149 11.608 12.807 14.017 - Operations Expenses - Pendapatan - 14.748 2.172 2.389 4.004 5.150 6.364 7.720 9.256 10.448 11.931 13.163 14.401 - Operations Income
Liquidity -
22,05 26,86 23,33 22,94 22,94 16,90 15,05 15,02 15,48 14,25 13,92 15,11
- Aktiva Jangka Pendek - 12.902 15.824 14.136 13.876 13.876 10.032 9.129 9.435 9.633 8.993 8.895 9.770 - Short-Term Assets
- Kewajiban Jangka - 58.512 58.921 60.595 60.479 60.479 59.374 60.660 62.816 62.218 63.123 63.890 64.663 - Short-Term Liabilities -
81,70 80,40 78,53 79,76 80,00 82,92 82,00 79,05 80,51 80,10 79,47 78,80
- Pembiayaan - 50.701 49.706 49.764 50.379 50.689 51.690 52.310 52.050 52.585 52.847 53.495 53.657 - Financing - Dana Pihak Ketiga - 62.057 61.827 63.371 63.160 63.359 62.338 63.792 65.844 65.311 65.978 67.318 68.096 - Third Party Funds
2014 2015
Note: r) Revised figures
*) Provisional figures r) Revision on data for KAP at July-December 2014 on Banking Health Measurement, which is based on SE OJK No. 11/SEOJK.03/2014 at June 11th, 2014 Ket: r) Angka-angka diperbaiki
*) Angka-angka sementara
r) untuk Data KAP posisi Juli - Desember 2014 terdapat revisi tingkat kesehatan BUS - UUS berdasarkan SE OJK No. 11/SEOJK.03/2014 tgl 11 Juni 2014
Indikator Indicator
Capital Adequacy Ratio (%) Capital Adequacy Ratio (%)
Finance to Deposit Ratio (%) Finance to Deposit Ratio (%)
Net Operating Margin (%) APYD terhadap Aktiva Produktif (%)
Short Term Mismatch (%) Short Term Mismatch (%)
Likuiditas
Return On Assets Ratio (%) Return On Assets Ratio (%)
Net Operating Margin (%)
Tabel 1.32. Kinerja Bank Umum Syariah - BUKU 3
(Performance of Commercial Sharia Banks - Group of Business Activities 3) Miliar Rp (Billion Rp)
Biaya Operasional thdp Pendapatan Operasional (%)
Operating Expenses to Operations Revenue (%) Kualitas Aktiva Produktif
Rentabilitas
2016
35
Statistik Perbankan Indonesia - Vol. 14, No. 12, November 2016 Indonesia Banking Statistics - Vol. 14, No. 12, November 2016
Jan Feb Mar Apr Mei Jun Jul Agt Sep Okt Nov
- BUKU 1 166.367 131.016 134.103 136.567 140.108 132.387 134.513 117.619 119.342 100.536 100.934 100.963 100.838 -
BUKU 1- BUKU 2 1.003.337 810.899 836.391 839.360 829.388 858.672 860.780 860.836 868.963 884.395 854.015 860.054 873.684 -
BUKU 2- BUKU 3 1.762.817 2.245.451 2.250.458 2.243.713 2.275.623 2.261.863 2.297.782 2.314.572 2.317.854 2.338.748 2.328.261 2.322.299 2.356.358 -
BUKU 3- BUKU 4 2.477.667 2.728.358 2.665.344 2.689.120 2.709.569 2.715.492 2.738.686 2.853.649 2.825.985 2.842.209 2.940.545 2.935.465 3.004.622 -
BUKU 4- BUKU 1 SYARIAH 35.163 23.592 18.641 18.941 19.662 19.594 19.502 20.109 20.128 20.069 20.545 19.658 20.209 -
BUKU 1 SHARIA- BUKU 2 SYARIAH 169.797 119.031 120.722 119.932 121.860 120.992 121.248 123.905 123.103 123.088 147.139 146.132 148.796 -
BUKU 2 SHARIA- BUKU 3 SYARIAH - 70.799 70.250 71.717 71.538 71.704 70.602 72.023 74.214 73.606 74.242 75.837 77.355 -
BUKU 3 SHARIATotal 5.615.150 6.129.146 6.095.908 6.119.350 6.167.747 6.180.703 6.243.113 6.362.713 6.349.589 6.382.650 6.465.680 6.460.408 6.581.861 Total
Ket: r) Angka-angka diperbaiki Note: r) Revised figures