Pressure on the global economy in 2022 continued to be driven by increasing geopolitical tensions that did not only occur between Russia and Ukraine but also between China and Taiwan. In addition, rising global inflation triggered aggressive monetary policy, as well as the potential for stagflation, namely the risk of slow economic growth together with high inflation rates, that also put pressure on the global economy. The risk of stagflation was expected to occur in 2023 driven by the increase in global benchmark interest rates which had an impact on weakening consumption and investment.
tercatat tinggi sebesar 5,01% (yoy), jauh meningkat dari capaian tahun sebelumnya sebesar 3,70% (yoy). Dari sisi pengeluaran, seluruh komponen pengeluaran tumbuh kecuali Konsumsi Pemerintah yang mengalami kontraksi pada Triwulan IV-2022.
Sebagai penyumbang utama dari Produk Domestik Bruto (PDB) menurut komponen pengeluaran, konsumsi rumah tangga dan Pembentukan Modal Tetap Bruto (PMTB) tumbuh positif.
Komponen ekspor impor mengalami pertumbuhan tinggi.
Ekspor didorong oleh windfall komoditas unggulan. Sementara peningkatan impor didorong kenaikan impor barang modal dan bahan baku.
Dari sisi lapangan usaha, pada Triwulan IV-2022 seluruh leading sector yaitu industri, perdagangan, pertambangan, pertanian, dan konstruksi melanjutkan tren positif dan tumbuh mengesankan. Lapangan usaha dengan pertumbuhan tertinggi adalah Transportasi Pergudangan serta akomodasi makan minum yang didorong oleh peningkatan mobilitas masyarakat serta peningkatan kunjungan wisatawan mancanegara dan wisatawan nusantara.
Rapat Dewan Gubernur (RDG) Bank Indonesia pada 21-22 Desember 2022 memutuskan untuk menaikkan BI 7-Day Reverse Repo Rate (BI7DRR) sebesar 25 bps menjadi 5,50%, suku bunga Deposit facility sebesar 25 bps menjadi 4,75%, dan suku bunga lending facility sebesar 25 bps menjadi 6,25%. Keputusan kenaikan suku bunga yang lebih terukur tersebut sebagai langkah lanjutan untuk secara front loaded, pre-emptive, dan forward looking memastikan terus berlanjutnya penurunan ekspektasi inflasi sehingga inflasi inti tetap terjaga dalam kisaran 3,0±1%.
Kebijakan stabilisasi nilai tukar Rupiah terus diperkuat untuk mengendalikan inflasi barang impor (imported inflation) di samping untuk memitigasi dampak rambatan dari masih kuatnya dolar AS dan masih tingginya ketidakpastian pasar keuangan global.
Dari sisi perbankan, fungsi intermediasi dari sektor keuangan juga melanjutkan perbaikan secara bertahap. Pertumbuhan kredit hingga Desember 2022 tumbuh sebesar 11,35% (yoy) meningkat dibandingkan tahun sebelumnya yang hanya tumbuh sebesar 5,24% (yoy) dikarenakan penyaluran kredit yang terbatas akibat COVID-19. Peningkatan pertumbuhan kredit terjadi merata pada seluruh sektor ekonomi dan seluruh jenis kredit terutama Kredit Investasi dan Kredit Modal Kerja. Pemulihan intermediasi juga terjadi pada perbankan syariah, dengan pertumbuhan
recorded at a high rate of 5.01% (yoy), much increased from the previous year's achievement of 3.70% (yoy). From the expenditure side, all expenditure components grew except for Government Consumption which contracted in Quarter IV-2022. As the main contributor to the Gross Domestic Product (GDP) by expenditure component, household consumption and Gross Fixed Capital Formation (PMTB) grew positively. The export-import component experienced high growth. Exports were driven by a windfall of superior commodities. Meanwhile, the increase in imports was driven by increases in imports of capital goods and raw materials.
In terms of business fields, in Quarter IV-2022 all leading sectors, namely industry, trade, mining, agriculture and construction continued positive trends and grew impressively. The business fields with the highest growth were Transportation, Warehousing and accommodation for food and drink, which were driven by increased mobility of the people and increased visits by foreign and domestic tourists.
The Bank Indonesia Board of Governor's Meeting (RDG) on December 21-22, 2022 decided to increase the BI 7-Day Reverse Repo Rate (BI7DRR) by 25 bps to 5.50%, the deposit facility rate by 25 bps to 4.75%, and lending facility interest rate by 25 bps to 6.25%. The decision to increase interest rates in a more measured manner became a follow-up step for front-loaded, pre-emptive and forward-looking measures to ensure the continued decline in inflation and inflation expectations so that core inflation was maintained within the range of 3.0 ± 1%. The Rupiah exchange rate stabilization policy continued to be strengthened to control imported inflation in addition to mitigating the spillover impact of the still strong US dollar and high uncertainty on global financial markets.
From the banking side, the intermediary function of the financial sector also continued to improve gradually. Loan growth until December 2022 grew by 11.35% (yoy), an increase compared to the previous year which only grew by 5.24% (yoy) due to limited loans distribution due to COVID-19. The increase in loan growth occurred evenly in all economic sectors and all types of loans, especially Investment Loans and Working Capital Loans.
Intermediation recovery also occurred in sharia banking, with financing growth in December 2022 of 20.1% (yoy), higher
pembiayaan pada Desember 2022 sebesar 20,1% (yoy), lebih tinggi dibandingkan dengan capaian tahun sebelumnya sebesar 6,6% (yoy). Di segmen UMKM, pertumbuhan kredit juga terus berlanjut, khususnya penyaluran Kredit Usaha Rakyat (KUR) yang tumbuh tinggi sebesar 29,66% (yoy). Perbaikan intermediasi perbankan didukung sisi penawaran kredit sejalan dengan likuiditas perbankan yang memadai dan standar penyaluran kredit/
pembiayaan yang longgar. Permintaan kredit juga meningkat sejalan kinerja korporasi dan konsumsi rumah tangga yang membaik yang mendorong kenaikan permintaan pembiayaan.
Dari sisi permodalan, kondisi permodalan Bank yang meningkat dan cukup solid menunjukkan kemampuan Bank yang memadai dalam menyerap risiko dengan rasio kecukupan modal (Capital Adequacy Ratio/CAR) perbankan pada Desember 2022 tetap tinggi yaitu 25,09%. Lebih lanjut, risiko kredit tercatat menurun dengan rasio kredit bermasalah (Non Performing Loan/NPL) yakni 2,44% (bruto) 0,71% (neto) pada Desember 2022.
Likuiditas perbankan pada Desember 2022 tetap terjaga didukung oleh pertumbuhan Dana Pihak Ketiga (DPK) sebesar 9,01% (yoy).
Hasil simulasi stress test Bank Indonesia menunjukkan bahwa ketahanan perbankan masih terjaga. Bank Indonesia akan terus memperkuat sinergi dengan Komite Stabilitas Sistem Keuangan (KSSK) dalam memitigasi berbagai risiko makro ekonomi domestik dan global yang dapat mengganggu ketahanan sistem keuangan.
Berdasarkan analisis perekonomian dan industri serta memperhatikan tantangan yang ada, maka bank bjb menetapkan target pasar berupa peningkatan DPK dan Kredit. Target DPK dan Penyaluran Kredit di tahun 2022 masing-masing sebesar Rp113,86 triliun dan Rp103,56 triliun. Peningkatan ini dilakukan antara lain dengan pelaksanaan aktivitas Bancassurance berupa kerjasama dengan PT Asuransi Sinar Mas, Bank Asuransi Dayin Mitra, Bank Asuransi Tugu, dan Bank Asuransi Cakrawala serta launching produk KPR Tapera dan BI FAST.
Untuk mencapai target pasar tersebut, telah ditetapkan suku bunga dasar kredit tahun 2022 adalah sebagai berikut:
Tabel Suku Bunga Dasar Kredit (Prime Lending Rate) bank bjb Tanggal 31 Desember 2022 Table of bank bjb Prime Lending Rate for December 31, 2022
Suku Bunga Dasar Kredit / Prime Lending Rate Berdasarkan Segmen Bisnis / Based on Business Segment
Kredit Korporasi Corporate Loans
Kredit Retail Retail Loans
Kredit Mikro Micro Loans
Kredit Konsumsi Consumer Loans KPR
Mortgage Non KPR
Non Mortgage
6.45% 9.32% 12.98% 8.97% 8.91%
Selain itu, bank bjb juga telah menetapkan suku bunga untuk tabungan deposito dan giro yang bersaing dan kompetitif disajikan sebagai berikut:
than the previous year's achievement of 6.6% (yoy). In the MSME segment, loan growth also continued, particularly the disbursement of People's Business Loan (KUR), which grew high by 29.66% (yoy). Improvements in banking intermediation were supported by the supply side of loans in line with adequate banking liquidity and loose loan/financing standards. Demand for loan also increased in line with improved corporate performance and household consumption which boosted demand for financing.
In terms of capital, the condition of the Bank's capital which increased and was quite solid indicated the Bank's adequate ability to absorb risk with the banking Capital Adequacy Ratio (CAR) in December 2022 remaining high at 25.09%. Furthermore, credit risk was recorded to have decreased with a non-performing loan (NPL) ratio of 2.44% (gross) to 0.71% (net) in December 2022.
Banking liquidity in December 2022 was maintained supported by growth in Third Parties Funds (TPF) of 9.01% (yoy). The results of Bank Indonesia's stress test simulation showed that banking resilience was still maintained. Bank Indonesia continued to strengthen synergies with the Financial System Stability Committee (KSSK) in mitigating various domestic and global macroeconomic risks that could undermine financial system resilience.
Based on economic and industry analysis and considering the existing challenges, bank bjb set a target market in the form of increasing TPF and loans. The target for TPF and Loan Disbursement in 2022 was IDR 113.86 trillion and IDR 103.56 trillion, respectively. This increase was carried out by implementing Bancassurance activities in the form of collaboration with PT Asuransi Sinar Mas, Bank Asuransi Dayin Mitra, Bank Asuransi Tugu, and Bank Asuransi Cakrawala as well as launching KPR Tapera and BI FAST products.
To achieve this market target, the prime lending rate for 2022 was determined as follows:
In addition, bank bjb also set competitive interest rates for time deposits and current accounts presented as follows:
Saldo ≥ Rp50 juta / Balance ≥ IDR50 million 2.00%
bjb Tandamata Gold
Saldo < Rp50 juta / Balance < IDR50 million 0.00%
Rp50 juta ≤ Saldo < Rp500 juta / IDR50 million ≤ Balance < IDR500 million 1.00%
Rp500 juta ≤ Saldo < Rp2 miliar / IDR500 million ≤ Balance < IDR2 billion 2.00%
Saldo ≥ Rp2 miliar / Balance ≥ IDR2 billion 3.00%
bjb Tandamata Bisnis
Saldo < Rp10 juta / Balance < IDR10 million 0.00%
Rp10 juta ≤ Saldo < Rp100 juta / IDR10 million ≤ Balance < IDR100 million 1.00%
Rp100 juta ≤ Saldo < Rp1 miliar / IDR100 million ≤ Balance < IDR1 billion 1.50%
Rp1 miliar ≤ Saldo < Rp5 miliar / IDR1 billion ≤ Balance < IDR5 billion 2.50%
Saldo ≥ Rp5 miliar / Balance ≥ IDR5 billion 3.50%
bjb Tandamata Purnabakti
Saldo < Rp500 ribu / Balance < IDR500 thousand 0.00%
Rp500 ribu ≤ Saldo < Rp5 juta / IDR500 thousand ≤ Balance < IDR5 million 1.00%
Rp5 juta ≤ Saldo < Rp50 juta / IDR5 million ≤ Balance < IDR50 million 1.50%
Saldo ≥ Rp50 juta / Balance ≥ IDR50 million 2.00%
bjb Tandamata Dollar (USD dan SGD) USD
Saldo ≤ USD100 / Balance ≤ USD100 0.00%
USD100 < Saldo ≤ USD10,000.00 / USD100 < Balance ≤ USD10,000.00 0.05%
USD10,000.00 < Saldo ≤ USD100,000 / USD10,000.00 < Balance ≤ USD100,000 0.15%
Saldo > USD100,000 / Balance > USD100,000 0.25%
SGD
Saldo ≤ SGD150 / Balance ≤ SGD150 0.00%
SGD150 < Saldo ≤ SGD10,000 / SGD150 < Balance ≤ SGD10,000 0.10%
SGD10,000 < Saldo ≤ SGD100,000 / SGD10,000 < Balance ≤ SGD100,000 0.15%
Saldo > SGD100,000 / Balance > SGD100,000 0.20%
Tabungan Simpeda
Saldo < Rp500 ribu / Balance < IDR500 thousand 0.00%
Rp500 ribu ≤ Saldo < Rp 5 juta / IDR500 thousand ≤ Balance < IDR5 million 0.50%
Rp5 juta ≤ Saldo < Rp 50 juta / IDR5 million ≤ Balance < IDR50 million 1.00%
Saldo ≥ Rp50 juta / Balance ≥ IDR50 million 1.50%
TabunganKu
Saldo < Rp500 ribu / Balance < IDR500 thousand 0.00%
Rp500 ribu ≤ saldo < Rp1 juta / IDR 500 thousand ≤ balance < IDR1 million 0.25%
Saldo ≥ Rp1 juta / Balance ≥ IDR1 million 1.00%
Jenis Tabungan dan Tiering Types of Savings and Tiering
Suku Bunga Interest Rate Tabungan bjb SimPel
Saldo < Rp 1 juta / Balance < IDR1 million 0.00%
Rp1 juta ≤ Saldo < Rp20 juta / IDR 1 million ≤ Balance < IDR20 million 0.25%
Tabel Suku Bunga bjb Deposito Table of bjb Time Deposit Interest Rates
bjb Deposito Berjangka Tiering
Jangka Waktu 01
Term 01
Jangka Waktu 03
Term 03
Jangka Waktu 06
Term 06
Jangka Waktu 12
Term 12
Jangka Waktu 24
Term 24
< Rp100 juta / < IDR100 million 2.80% 2.85% 2.95% 2.95% 2.95%
≥ Rp100 juta - < Rp500 juta / ≥ IDR100 million - < IDR500 million 2.80% 2.85% 2.95% 2.95% 2.95%
Rp500 juta - < Rp2 miliar / IDR500 million - < IDR2 billion 2.80% 2.90% 2.95% 3.15% 3.15%
≥ Rp2 miliar / ≥ IDR2 billion 2.80% 2.90% 2.95% 3.15% 3.15%
Tabel Suku Bunga Deposito Suka Suka Table of Deposito Suka Suka Interest Rates
bjb Deposito Suka Suka Tiering
Jangka Waktu 01 Term 01
Jangka Waktu 03 Term 03
Jangka Waktu 06 Term 06
Jangka Waktu 12 Term 12
Minimal Rp10 juta / Minimum IDR 10 million 3.25% 3.50% 3.50% 3.50%
Tabel Suku Bunga Deposito Valas
Table of Foreign Currency Deposit Interest Rates
bjb Deposito Valas Tiering
Jangka Waktu 01 Term 01
Jangka Waktu 03 Term 03
Jangka Waktu 06 Term 06
Jangka Waktu 12 Term 12 USD
1,000 0.25 % 0.25 % 0.25 % 0.25 %
SGD, EUR, JPY
Setara USD 100,000 / The equivalent of USD 100,000 Special rate Special rate Special rate Special rate
Tabel Suku Bunga Giro
Table of Current Account Interest Rate
Jenis Giro dan Tiering Types of Current Account and Tiering
Suku Bunga Interest Rate bjb Giro Perorangan / bjb Individual Current Account
bjb Giro Umum / bjb General Current Account
Saldo < Rp5 juta / Balance < IDR5 million 0.00%
Rp5 juta ≤ Saldo < Rp50 juta / IDR5 million ≤ Balance < IDR50 million 0.50%
Rp50 juta ≤ Saldo < Rp500 juta / IDR50 million ≤ Balance < IDR500 million 1.00%
Rp500 juta ≤ Saldo < Rp1 miliar / IDR500 million ≤ Balance < IDR1 billion 1.25%
Saldo ≥ Rp1 miliar / Balance ≥ IDR1 billion 1.50%
bjb Giro Valas / bjb Foreign Currency Current Accounts bjb Giro Valas USD / bjb USD Foreign Currency Current Accounts
Saldo < USD1 ribu / Balance < USD1 thousand 0.00%
USD1 ribu ≤ Saldo < USD100 ribu / USD1 thousand ≤ Balance < USD100 thousand 0.10%
Saldo ≥ USD 100 ribu / Balance ≥ USD100 thousand 0.25%
bjb Giro Valas / bjb Foreign Currency Current Accounts
SGD 0.15%
CNY 0.10%
EUR 0.10%
JPY 0.00%
AUD 0.00%