Ket: *) Angka-angka sementara Lainnya
Kewajiban Kontijensi
27
Statistik Perbankan Indonesia - Vol. 18 No. 10 September 2020 Indonesia Banking Statistics - Vol. 18 No. 10 September 2020
Okt Nov Des Jan Feb Mar Apr Mei Jun Jul Agt Sep
22,93
23,18 22,97 23,54 23,77 23,40 22,83 22,33 21,67 22,08 22,20 22,55 23,03 23,50 23,52
- Modal 1.052.597 1.166.002 1.269.616 1.359.807 1.375.342 1.377.558 1.325.611 1.309.621 1.311.595 1.304.954 1.298.772 1.306.117 1.332.881 1.355.083 1.355.177 - Capital - ATMR 4.589.611 5.029.816 5.526.581 5.776.764 5.787.228 5.886.069 5.807.129 5.864.903 6.052.971 5.909.894 5.851.639 5.792.994 5.787.754 5.767.447 5.760.782 - Risk Weighted Assets
21,19
21,50 21,29 21,97 22,20 21,86 21,20 20,67 19,95 20,33 20,53 20,89 21,36 21,76 21,83
- Modal Inti (Tier I) 972.350 1.081.234 1.176.700 1.269.071 1.284.475 1.286.968 1.230.880 1.212.520 1.207.644 1.201.263 1.201.551 1.210.353 1.236.481 1.254.842 1.257.632 - Core Capital (Tier I) - ATMR 4.589.611 5.029.816 5.526.581 5.776.764 5.787.228 5.886.069 5.807.129 5.864.903 6.052.971 5.909.894 5.851.639 5.792.994 5.787.754 5.767.447 5.760.782 - Risk Weighted Assets
2,23
2,45 2,55 2,48 2,47 2,47 2,70 2,49 2,57 2,34 2,06 1,94 1,90 1,90 1,76
- Laba sebelum pajak 136.048 165.196 186.912 194.097 193.726 194.916 217.089 201.639 211.615 193.070 169.888 160.578 156.907 157.796 146.649 - Profit - Rata-rata total aset 6.106.959 6.730.350 7.329.250 7.830.875 7.853.104 7.880.981 8.039.018 8.110.478 8.221.380 8.241.134 8.246.434 8.257.688 8.274.161 8.308.424 8.350.416 - Average total assets
82,22 78,64 77,86 80,65 79,67 79,39 83,49 83,62 88,84 84,85 84,96 84,94 85,09 84,97 86,15
- Biaya Operasional 624.173 603.178 638.990 670.348 684.713 735.429 90.545 169.151 321.462 344.123 385.347 437.488 503.612 564.889 640.844 - Operating Expenses - Pendapatan Operasional 759.146 766.975 820.646 831.134 859.398 926.303 108.454 202.279 361.830 405.567 453.579 515.035 591.889 664.792 743.833 - Operating Income
5,63
5,32 5,14 4,90 4,89 4,91 4,96 4,81 4,31 4,57 4,50 4,46 4,44 4,43 4,41
- Pendapatan bunga bersih 329.913 342.731 360.412 366.819 367.355 370.095 383.772 375.210 340.943 361.863 356.916 354.497 353.357 354.022 355.126 - Interest income net - Rata-rata total aset produktif 5.854.786 6.445.076 7.016.192 7.490.477 7.514.009 7.538.955 7.741.917 7.806.265 7.908.138 7.923.909 7.928.274 7.945.045 7.964.420 8.000.338 8.046.171 - Average total earning assets
90,70
90,04 94,78 93,96 93,50 94,43 93,36 92,50 92,55 92,18 90,94 89,10 88,09 85,38 83,46
- Total Kredit kepada pihak ketiga
bukan Bank 4.199.713 4.548.155 5.092.584 5.287.464 5.303.951 5.391.846 5.279.629 5.313.982 5.483.646 5.382.545 5.355.885 5.316.379 5.301.453 5.286.411 5.290.086 - Total Credit to third party - Total Dana Pihak Ketiga 4.630.352 5.050.984 5.372.841 5.627.651 5.672.712 5.709.670 5.655.237 5.744.590 5.924.944 5.839.044 5.889.605 5.967.088 6.018.481 6.191.910 6.338.774 - Total Third Party Funds
17,50
18,56 14,96 15,37 16,02 15,51 15,58 15,10 16,21 16,18 17,42 17,66 19,80 19,41 19,45
- Aset Likuid Primer 837.433 963.833 899.937 838.037 868.865 902.889 838.781 823.148 928.119 861.939 950.187 925.093 1.084.439 1.052.921 1.062.867 - Primary Liquid Asset - Aset Likuid Sekunder 296.098 353.504 259.472 393.625 424.817 370.524 413.397 412.067 440.462 481.066 489.835 542.765 573.795 606.611 626.541 - Secondary Liquid assets - Total Aset 6.475.602 7.099.564 7.751.621 8.011.097 8.075.397 8.212.586 8.039.018 8.181.938 8.443.184 8.300.397 8.267.632 8.313.961 8.372.998 8.548.115 8.686.707 - Total Assets
2020
Liquid Assets Ratio (%)
Ket: Data tidak termasuk data kinerja BUS 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 (%)
2018 2019
2017 2016
28
Okt Nov Des Jan Feb r) Mar r) Apr r) Mei r) Jun r) Jul r) Agt r) Sep 22,38
21,73 22,21 21,64 22,05 25,13 29,07 29,25 28,60 30,01 29,42 29,43 29,69 26,91 25,37
- Modal 14.113 8.658 9.137 6.757 6.783 7.587 8.681 9.212 9.040 7.341 7.033 6.822 6.822 6.946 5.914 - Capital
- ATMR 63.072 39.839 41.134 31.231 30.761 30.193 29.861 31.499 31.605 24.463 23.908 23.180 22.976 25.808 23.310 - Risk Weighted Assets 21,36
20,59 21,10 20,46 20,88 23,97 27,94 26,57 26,19 27,28 27,61 28,60 28,86 26,07 24,58
- Modal Inti (Tier I) 13.474 8.203 8.680 6.390 6.423 7.236 8.343 8.370 8.277 6.672 6.601 6.629 6.630 6.728 5.728 - Core Capital (Tier I)
- ATMR 63.072 39.839 41.134 31.231 30.761 30.193 29.861 31.499 31.605 24.463 23.908 23.180 22.976 25.808 23.310 - Risk Weighted Assets 1,43
1,49 1,39 1,24 1,17 1,17 0,69 0,55 0,51 0,19 0,10 (0,99) (0,73) (0,64) (0,68) - Laba sebelum pajak 1.438 986 988 718 684 687 407 322 298 87 45 (444) (326) (284) (274) - Profit
- Rata-rata total aset 100.652 65.989 70.874 58.012 58.305 58.596 58.931 58.295 58.252 45.392 44.964 44.798 44.558 44.662 40.324 - Average total assets
88,09
87,31 87,90 89,33 89,81 89,55 93,62 95,43 95,53 99,44 100,07 111,02 108,48 106,81 107,47
- Biaya Operasional 10.881 6.661 6.996 4.871 5.389 6.030 479 1.049 1.568 1.575 1.953 2.624 2.939 3.288 3.253 - Operating Expenses
- Pendapatan Operasional 12.352 7.630 7.959 5.453 6.001 6.733 512 1.100 1.641 1.584 1.951 2.363 2.709 3.079 3.027 - Operating Income 6,30
5,50 5,60 4,85 4,84 4,87 4,71 4,74 4,99 4,62 4,70 4,68 4,68 4,65 4,69
- Pendapatan bunga bersih 5.989 3.418 3.743 2.622 2.633 2.659 2.576 2.584 2.720 1.947 1.960 1.941 1.925 1.915 1.740 - Interest income net - Rata-rata total aset produktif 95.052 62.159 66.806 54.094 54.378 54.618 54.749 54.505 54.461 42.160 41.682 41.444 41.139 41.158 37.112 - Average total earning assets
94,23
89,09 92,27 77,24 80,24 89,06 88,03 91,86 93,82 90,48 91,68 85,08 87,32 81,14 79,52 - Total Kredit kepada pihak ketiga
bukan Bank 66.902 42.987 46.886 38.611 38.609 37.960 37.649 39.204 39.430 29.839 28.664 27.451 27.126 27.308 24.514 - Total Credit to third party - Total Dana Pihak Ketiga 70.997 48.250 50.814 49.990 48.117 42.621 42.769 42.679 42.028 32.979 31.265 32.266 31.065 33.655 30.826 - Total Third Party Funds
16,96
18,09 19,11 18,23 17,21 14,54 12,39 14,13 13,19 14,93 13,98 16,18 17,37 16,79 19,13
- Aset Likuid Primer 15.820 11.385 13.003 11.402 10.487 8.935 6.981 7.925 7.473 6.732 5.789 6.888 7.222 7.345 7.851 - Primary Liquid Asset - Aset Likuid Sekunder 1.158 352 620 82 49 49 320 383 200 76 259 224 268 277 148 - Secondary Liquid assets
- Total Aset 100.103 64.894 71.280 62.985 61.227 61.798 58.931 58.791 58.166 45.608 43.252 43.969 43.118 45.386 41.822 - Total Assets
Note: r) Revised figures 2020
Net Interest Margin Ratio (%)
Tabel 1.26. Kinerja Bank Umum Konvensional - BUKU 1
(Performance of Commercial Conventional Banks - Group of Business Activities 1) Miliar Rp (Billion Rp)
2016
Rasio Modal Inti terhadap ATMR (%) Core Capital Ratio to ATMR (%)
Return On Assets Ratio (%) Capital Adequacy Ratio (%) Rasio Pemenuhan Kecukupan Modal
Minimum (%)
Operating Expenses/Operating Income (%)
Liquid Assets Ratio (%) Rasio Aset Likuid (%)
2018 Items
Return On Assets Ratio (%) Keterangan
Ket: r) Angka-Angka Diperbaiki
2019 2017
Net Interest Margin Ratio (%) Biaya Operasional thdp Pendapatan Operasional (%)
Loan to Deposits Ratio (%) Loan to Deposits Ratio (%)
29
Statistik Perbankan Indonesia - Vol. 18 No. 10 September 2020 Indonesia Banking Statistics - Vol. 18 No. 10 September 2020
Okt Nov Des Jan Feb r) Mar r) Apr r) Mei r) Jun r) Jul r) Agt r) Sep
23,72
26,47 26,28 25,21 25,40 25,44 25,60 26,43 24,59 24,85 25,09 25,10 25,85 25,95 26,27
- Modal 140.338 150.582 147.821 152.398 153.178 152.816 152.945 155.596 143.291 145.368 145.543 145.141 149.408 150.023 153.087 - Capital
- ATMR 591.571 568.921 562.563 604.467 602.980 600.659 597.497 588.763 582.653 585.024 579.978 578.161 577.882 578.130 582.834 - Risk Weighted Assets
21,49 24,80 24,66 23,72 23,93 23,97 24,12 24,87 23,21 23,45 23,62 23,76 24,52 24,60 24,92
- Modal Inti (Tier I) 127.142 141.074 138.725 143.393 144.289 143.997 144.095 146.410 135.254 137.210 136.996 137.361 141.718 142.197 145.214 - Core Capital (Tier I)
- ATMR 591.571 568.921 562.563 604.467 602.980 600.659 597.497 588.763 582.653 585.024 579.978 578.161 577.882 578.130 582.834 - Risk Weighted Assets 1,66
1,57 1,54 1,49 1,43 1,42 1,82 1,61 1,47 1,36 1,21 1,35 1,33 1,30 1,26 - Laba sebelum pajak 13.710 13.332 12.239 12.937 12.466 12.426 16.323 14.553 12.734 12.008 10.643 11.902 11.726 11.482 11.316 - Profit
- Rata-rata total aset 828.051 846.799 797.174 869.611 873.882 874.411 897.913 903.283 865.388 880.594 879.071 879.509 880.043 885.240 895.210 - Average total assets
85,38
86,33 86,21 86,86 87,26 88,32 88,60 89,00 93,96 93,95 93,76 92,58 92,45 92,19 92,16
- Biaya Operasional 79.660 82.725 75.624 69.240 76.151 84.682 10.703 18.446 38.953 54.159 60.431 67.374 76.685 83.930 92.728 - Operating Expenses
- Pendapatan Operasional 93.297 95.825 87.716 79.711 87.270 95.876 12.080 20.725 41.457 57.649 64.452 72.774 82.945 91.036 100.614 - Operating Income 5,08
5,14 5,08 4,80 4,78 4,81 4,54 4,44 4,67 4,68 4,66 4,62 4,62 4,57 4,54
- Pendapatan bunga bersih 40.368 41.524 38.532 39.710 39.735 40.040 38.969 38.290 38.557 39.307 39.063 38.742 38.752 38.587 38.796 - Interest income net - Rata-rata total aset produktif 794.619 807.973 758.958 827.875 831.967 832.151 858.138 863.243 826.138 840.231 838.780 839.155 839.393 844.234 853.767 - Average total earning assets
98,04
91,22 94,03 86,68 86,59 90,38 88,85 88,55 89,87 89,63 88,96 88,06 87,95 82,77 81,75 - Total Kredit kepada pihak ketiga
bukan Bank 560.600 523.311 517.132 558.891 557.486 561.326 554.435 558.513 553.663 556.083 552.432 550.326 552.393 553.268 560.426 - Total Credit to third party - Total Dana Pihak Ketiga 571.782 573.711 549.986 644.753 643.835 621.089 624.040 630.764 616.087 620.452 620.999 624.973 628.057 668.448 685.575 - Total Third Party Funds
17,97
20,51 18,92 18,36 18,11 17,61 18,33 17,15 16,54 15,78 17,02 17,13 20,16 18,97 20,26
- Aset Likuid Primer 132.622 146.135 138.530 144.045 141.684 134.144 138.953 128.314 121.966 116.126 115.698 115.471 142.042 137.654 149.400 - Primary Liquid Asset
- Aset Likuid Sekunder 19.186 26.477 17.326 24.054 24.338 25.245 25.625 27.316 24.012 23.949 32.865 35.544 36.062 37.146 40.841 - Secondary Liquid assets
- Total Aset 844.755 841.721 823.832 915.605 916.591 905.190 897.913 907.521 882.605 887.419 872.980 881.696 883.250 921.615 938.777 - Total Assets
Note: r) Revised figures 2020
Loan to Deposits Ratio (%) Loan to Deposits Ratio (%)
Net Interest Margin Ratio (%)
Return On Assets Ratio (%) Return On Assets Ratio (%)
Ket: r) Angka-Angka Diperbaiki
Operating Expenses/Operating Income (%) Core Capital Ratio to ATMR (%) Rasio Modal Inti terhadap ATMR (%)
Rasio Aset Likuid (%) Liquid Assets Ratio (%)
Net Interest Margin Ratio (%) Rasio Pemenuhan Kecukupan Modal
Minimum (%) Capital Adequacy Ratio (%)
2018 2019
Items 2016
Keterangan 2017
Biaya Operasional thdp Pendapatan Operasional (%)
Tabel 1.27. Kinerja Bank Umum Konvensional - BUKU 2
(Performance of Commercial Conventional Banks - Group of Business Activities 2) Miliar Rp (Billion Rp)
30
Okt Nov Des Jan Feb Mar Apr Mei Jun Jul Agt Sep 24,86
24,85 25,07 25,13 25,63 25,34 25,40 25,51 25,52 25,91 26,17 26,40 27,13 27,71 27,78
- Modal 428.247 432.261 477.227 459.768 465.977 462.892 460.422 470.679 501.762 492.426 455.693 453.179 464.365 470.785 468.621 - Capital
- ATMR 1.722.312 1.739.623 1.903.629 1.829.448 1.818.092 1.826.680 1.812.408 1.844.783 1.965.934 1.900.207 1.741.053 1.716.661 1.711.632 1.699.128 1.686.632 - Risk Weighted Assets 22,34
22,16 22,42 22,91 23,40 23,05 22,91 22,93 22,73 22,98 23,38 23,67 24,31 24,74 24,98
- Modal Inti (Tier I) 384.693 385.561 426.769 419.076 425.464 420.993 415.162 423.033 446.792 436.588 407.091 406.354 416.084 420.310 421.383 - Core Capital (Tier I)
- ATMR 1.722.312 1.739.623 1.903.629 1.829.448 1.818.092 1.826.680 1.812.408 1.844.783 1.965.934 1.900.207 1.741.053 1.716.661 1.711.632 1.699.128 1.686.632 - Risk Weighted Assets 1,41
1,77 1,82 1,77 1,74 1,72 2,09 1,95 2,16 1,94 1,75 1,72 1,69 1,61 1,45 - Laba sebelum pajak 33.067 41.879 48.200 45.653 44.830 44.415 53.750 50.681 58.795 52.887 44.756 43.703 42.853 40.995 37.041 - Profit
- Rata-rata total aset 2.341.535 2.360.755 2.644.252 2.573.247 2.574.360 2.577.891 2.576.519 2.604.408 2.720.009 2.731.219 2.552.589 2.544.526 2.540.113 2.543.976 2.555.234 - Average total assets
89,33
86,08 85,88 88,75 87,73 87,40 89,35 88,71 91,00 89,70 89,22 88,66 88,50 88,66 89,73
- Biaya Operasional 270.022 258.000 282.031 291.903 273.149 284.354 35.040 64.035 142.754 143.567 145.479 162.452 183.586 203.053 225.085 - Operating Expenses
- Pendapatan Operasional 302.265 299.713 328.418 328.904 311.355 325.349 39.218 72.184 156.867 160.050 163.048 183.234 207.431 229.032 250.858 - Operating Income 4,77
4,40 4,22 3,98 3,96 3,98 3,87 3,81 3,65 3,65 3,59 3,62 3,63 3,57 3,54
- Pendapatan bunga bersih 107.610 100.122 107.383 98.236 97.939 98.455 96.029 95.192 95.149 95.509 87.740 88.056 88.151 87.015 86.561 - Interest income net - Rata-rata total aset produktif 2.258.170 2.274.921 2.543.395 2.469.023 2.471.102 2.474.863 2.480.058 2.499.706 2.607.508 2.614.983 2.442.523 2.434.194 2.430.071 2.434.202 2.445.467 - Average total earning assets
95,96
96,63 103,37 101,38 102,06 103,71 101,00 99,71 98,96 98,86 100,15 99,97 98,95 95,64 90,97 - Total Kredit kepada pihak ketiga
bukan Bank 1.567.489 1.582.814 1.828.712 1.729.448 1.719.570 1.734.182 1.696.169 1.705.704 1.792.141 1.751.442 1.631.156 1.611.226 1.611.543 1.608.869 1.599.194 - Total Credit to third party - Total Dana Pihak Ketiga 1.633.429 1.638.013 1.769.026 1.705.898 1.684.856 1.672.217 1.679.307 1.710.745 1.810.928 1.771.636 1.628.734 1.611.651 1.628.614 1.682.147 1.757.983 - Total Third Party Funds
17,00
18,30 15,73 15,34 15,56 15,35 15,33 14,49 16,86 16,82 17,77 17,56 19,26 19,25 21,03
- Aset Likuid Primer 304.819 346.571 331.476 260.636 258.177 277.743 268.115 253.398 342.405 305.830 311.193 291.670 332.988 326.095 371.888 - Primary Liquid Asset
- Aset Likuid Sekunder 105.027 104.224 99.705 138.278 144.172 124.022 126.888 128.103 139.454 159.161 139.459 147.947 151.039 168.913 184.375 - Secondary Liquid assets
- Total Aset 2.410.748 2.463.522 2.741.951 2.600.602 2.585.494 2.616.734 2.576.519 2.632.297 2.858.203 2.764.848 2.536.606 2.504.209 2.513.639 2.570.867 2.645.656 - Total Assets
Note: r) Revised figures 2020
Core Capital Ratio to ATMR (%)
Loan to Deposits Ratio (%)
2016 2019
2017
Rasio Modal Inti terhadap ATMR (%) Rasio Pemenuhan Kecukupan Modal Minimum (%)
Loan to Deposits Ratio (%)
Rasio Aset Likuid (%) Return On Assets Ratio (%)
Capital Adequacy Ratio (%)
Operating Expenses/Operating Income (%)
Net Interest Margin Ratio (%)
Return On Assets Ratio (%)
Liquid Assets Ratio (%)
Ket: r) Angka-Angka Diperbaiki
Net Interest Margin Ratio (%) Biaya Operasional thdp Pendapatan
Operasional (%)
Keterangan 2018 Items
Tabel 1.28. Kinerja Bank Umum Konvensional - BUKU 3
(Performance of Commercial Conventional Banks - Group of Business Activities 3) Miliar Rp (Billion Rp)
31
Statistik Perbankan Indonesia - Vol. 18 No. 10 September 2020 Indonesia Banking Statistics - Vol. 18 No. 10 September 2020
Okt Nov Des Jan Feb Mar Apr Mei Jun Jul Agt Sep
21,24
21,43 21,05 22,37 22,47 22,00 20,89 19,83 18,93 19,41 19,71 20,17 20,50 20,99 20,98
- Modal 469.900 574.501 635.431 740.885 749.404 754.263 703.564 674.134 657.502 659.819 691.272 700.974 712.285 727.328 727.556 - Capital
- ATMR 2.212.656 2.681.434 3.019.255 3.311.618 3.335.395 3.428.536 3.367.364 3.399.858 3.472.778 3.400.199 3.506.701 3.474.992 3.475.264 3.464.381 3.468.007 - Risk Weighted Assets 20,20
20,38 19,96 21,14 21,24 20,85 19,70 18,67 17,78 18,26 18,56 18,99 19,34 19,79 19,76
- Modal Inti (Tier I) 447.041 546.397 602.527 700.212 708.300 714.741 663.280 634.707 617.321 620.794 650.818 660.009 672.049 685.607 685.307 - Core Capital (Tier I)
- ATMR 2.212.656 2.681.434 3.019.255 3.311.618 3.335.395 3.428.536 3.367.364 3.399.858 3.472.778 3.400.199 3.506.701 3.474.992 3.475.264 3.464.381 3.468.007 - Risk Weighted Assets 3,10
3,15 3,29 3,11 3,12 3,14 3,25 2,99 3,05 2,79 2,40 2,20 2,13 2,18 2,03 - Laba sebelum pajak 87.832 108.999 125.485 134.788 135.745 137.390 146.609 136.083 139.788 128.088 114.444 105.417 102.654 105.603 98.566 - Profit
- Rata-rata total aset 2.836.721 3.456.807 3.816.950 4.330.005 4.346.558 4.370.083 4.505.655 4.544.492 4.577.731 4.583.929 4.769.809 4.788.856 4.809.446 4.834.546 4.859.647 - Average total assets
75,05
70,31 69,18 72,97 72,57 72,31 78,25 79,08 85,37 77,74 79,19 79,89 80,45 80,38 82,13
- Biaya Operasional 263.609 255.792 274.338 304.334 330.024 360.362 44.322 85.621 138.187 144.822 177.484 205.038 240.402 274.619 319.779 - Operating Expenses
- Pendapatan Operasional 351.232 363.806 396.553 417.066 454.773 498.345 56.644 108.271 161.864 186.285 224.127 256.663 298.804 341.645 389.334 - Operating Income 6,50
5,99 5,78 5,47 5,46 5,48 5,66 5,45 4,63 5,09 4,95 4,88 4,82 4,84 4,84
- Pendapatan bunga bersih 175.946 197.667 210.754 226.252 227.048 228.941 246.198 239.145 204.517 225.100 228.154 225.757 224.530 226.504 228.028 - Interest income net
- Rata-rata total aset produktif 2.706.946 3.300.023 3.647.034 4.139.484 4.156.562 4.177.323 4.348.973 4.388.811 4.420.032 4.426.537 4.605.289 4.630.251 4.653.816 4.680.744 4.709.825 - Average total earning assets 85,16
85,96 89,90 91,74 90,67 90,65 90,40 89,59 89,66 89,20 87,11 84,56 83,37 81,34 80,37
- Total Kredit kepada pihak ketiga
bukan Bank 2.004.722 2.399.043 2.699.854 2.960.514 2.988.285 3.058.379 2.991.375 3.010.562 3.098.412 3.045.180 3.143.633 3.127.375 3.110.391 3.096.965 3.105.953 - Total Credit to third party - Total Dana Pihak Ketiga 2.354.143 2.791.010 3.003.015 3.227.010 3.295.904 3.373.744 3.309.120 3.360.402 3.455.901 3.413.977 3.608.608 3.698.197 3.730.745 3.807.660 3.864.390 - Total Third Party Funds
17,79
18,29 13,58 14,74 15,84 15,19 15,21 15,05 15,78 15,89 17,34 17,82 20,04 19,60 18,47
- Aset Likuid Primer 384.172 459.742 416.928 421.953 458.517 482.066 424.733 433.511 456.275 433.251 517.507 511.064 602.187 581.827 533.729 - Primary Liquid Asset - Aset Likuid Sekunder 170.726 222.451 141.821 231.211 256.258 221.208 260.564 256.265 276.796 297.880 317.252 359.050 386.426 400.275 401.177 - Secondary Liquid assets
- Total Aset 3.119.996 3.729.427 4.114.558 4.431.904 4.512.086 4.628.888 4.505.670 4.583.464 4.644.281 4.602.728 4.814.894 4.884.208 4.933.083 5.010.246 5.060.452 - Total Assets 2020
Return On Assets Ratio (%)
2017 2018
Net Interest Margin Ratio (%)
Liquid Assets Ratio (%) Rasio Modal Inti terhadap ATMR (%)
Capital Adequacy Ratio (%)
Tabel 1.29. Kinerja Bank Umum Konvensional - BUKU 4
(Performance of Commercial Conventional Banks - Group of Business Activities 4) Miliar Rp (Billion Rp)
Net Interest Margin Ratio (%)
Items
Loan to Deposits Ratio (%)
Operating Expenses/Operating Income (%) Biaya Operasional thdp Pendapatan
Operasional (%)
2019
Return On Assets Ratio (%)
Rasio Aset Likuid (%) Keterangan
Core Capital Ratio to ATMR (%) 2016
Rasio Pemenuhan Kecukupan Modal Minimum (%)
Loan to Deposits Ratio (%)
32
Okt Nov Des Jan Feb Mar Apr Mei Jun Jul Agt Sep 17,64
19,26 21,95 21,39 21,13 20,75 20,92 20,98 20,97 21,25 21,89 22,08 22,37 22,52 22,57
- Modal 1.765 1.963 2.357 2.363 2.371 2.354 2.325 2.315 2.289 2.314 2.375 2.384 2.386 2.400 2.407 - Capital - ATMR 10.002 10.194 10.736 11.046 11.218 11.347 11.117 11.034 10.916 10.886 10.846 10.798 10.669 10.656 10.664 - Risk Weighted Assets
Earning Assset Quality 5,83
8,49 4,44 4,56 4,25 3,97 4,29 4,83 6,14 5,14 5,39 6,25 6,40 6,35 5,75 Classified Earning assets to Earning assets (%) - APYD 991 1.504 666 742 723 665 812 890 1.086 905 942 972 972 962 913 - Classified Earning Assets - Total Aktiva Produktif 17.009 17.716 15.003 16.272 16.997 16.763 18.913 18.454 17.695 17.617 17.477 15.556 15.182 15.148 15.881 - Total Earning assets
Profitability (4,00)
(2,50) (0,08) 0,36 0,35 0,46 0,20 0,16 0,06 0,13 0,14 0,10 0,17 0,19 0,25
- Pendapatan (508) (372) (11) 48 47 63 36 27 10 22 23 17 27 29 39 - Net Operations Income - Rata-rata Aktiva 12.680 14.860 14.466 13.335 13.544 13.699 17.744 17.530 17.835 17.485 17.227 16.368 16.014 15.742 15.592 - Average Earning Assets
(3,51)
(2,33) 0,09 0,81 0,74 0,78 0,20 0,14 0,29 0,31 1,10 0,90 0,86 0,78 0,76
- Laba (502) (373) 15 129 120 127 34 24 49 53 183 149 140 127 124 - Profit - Rata-Rata total aset 14.301 15.983 16.389 15.912 16.081 16.198 17.423 17.420 17.009 16.794 16.617 16.469 16.331 16.229 16.205 - Average Assets
118,17 122,18 100,68 96,74 96,84 95,87 97,59 98,16 99,33 98,45 98,34 98,77 98,02 97,85 97,10
- Biaya Operasional 3.302 2.047 1.619 1.196 1.320 1.461 120 242 368 471 577 684 785 888 989 - Operations Expenses - Pendapatan 2.794 1.675 1.608 1.236 1.364 1.524 123 247 370 478 587 692 801 908 1.018 - Operations Income
Liquidity 23,18
33,93 29,95 29,16 31,69 30,29 36,47 36,08 32,50 31,09 31,80 28,89 27,73 24,41 24,60
- Aktiva Jangka Pendek 3.001 4.704 3.636 3.537 4.088 3.777 4.589 4.693 3.618 3.350 3.354 2.864 2.699 2.617 2.634 - Short-Term Assets - Kewajiban Jangka Pendek 12.951 13.861 12.142 12.132 12.897 12.468 12.583 13.007 11.135 10.775 10.548 9.913 9.731 10.724 10.710 - Short-Term Liabilities
94,18
86,52 90,99 89,52 88,31 91,95 89,23 88,61 99,13 101,20 105,28 114,09 114,42 113,17 111,12
- Pembiayaan 11.396 11.237 10.206 11.072 11.386 11.406 11.297 11.195 11.269 11.247 11.214 11.321 11.252 11.274 11.252 - Financing - Dana Pihak Ketiga 12.101 12.987 11.217 12.369 12.893 12.405 12.661 12.634 11.369 11.113 10.652 9.923 9.834 9.962 10.126 - Third Party Funds
2020
Return On Assets Ratio (%) Net Operating Margin (%)
Short Term Mismatch (%)
Finance to Deposit Ratio (%) Short Term Mismatch (%)
Rentabilitas
Finance to Deposit Ratio (%)
Operating Expenses to Operations Revenue (%) Biaya Operasional thdp Pendapatan
Operasional (%) Return On Assets Ratio (%)
Net Operating Margin (%)
Likuiditas
Indicator
Tabel 1.30. Kinerja Bank Umum Syariah - BUKU 1
(Performance of Commercial Sharia Banks - Group of Business Activities 1) Miliar Rp (Billion Rp)
2017 Indikator
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
2018 2019
Capital Adequacy Ratio (%) Capital Adequacy Ratio (%)
Kualitas Aktiva Produktif APYD terhadap Aktiva Produktif (%)
2016
33
Statistik Perbankan Indonesia - Vol. 18 No. 10 September 2020 Indonesia Banking Statistics - Vol. 18 No. 10 September 2020
Okt Nov Des Jan Feb Mar Apr Mei Jun Jul Agt Sep
17,78
18,68 22,12 22,40 22,42 22,65 22,20 22,33 22,06 22,25 22,26 20,81 20,24 19,04 19,13
- Modal 18.438 21.288 25.827 28.086 28.222 28.751 28.994 29.372 29.478 29.579 29.410 24.515 18.917 19.295 18.986 - Capital - ATMR 103.724 113.945 116.740 125.377 125.899 126.932 130.619 131.522 133.602 132.924 132.145 117.817 93.452 101.323 99.234 - Risk Weighted Assets
Earning Assset Quality 3,87
4,14 3,19 3,69 3,74 3,35 3,83 3,69 3,83 4,01 3,62 3,91 4,31 4,13 4,06 Classified Earning assets to Earning assets (%) - APYD 5.649 6.835 5.872 7.223 7.313 6.821 7.763 7.653 8.717 9.053 8.266 7.654 6.314 6.318 6.425 - Classified Earning Assets - Total Aktiva Produktif 146.136 165.018 183.961 195.525 195.270 203.487 202.502 207.215 227.437 226.003 228.457 195.860 146.588 152.989 158.196 - Total Earning assets
Profitability 1,20
1,01 1,78 1,98 2,02 2,05 2,24 2,15 1,97 1,60 1,36 0,88 0,78 0,84 0,82
- Pendapatan 1.423 1.508 2.978 3.601 3.701 3.770 4.442 4.320 4.416 3.594 3.058 1.797 1.160 1.249 1.233 - Net Operations Income - Rata-rata Aktiva 118.478 149.540 167.046 182.115 182.918 184.206 197.937 200.745 224.606 224.138 224.325 205.204 149.152 149.207 149.818 - Average Earning Assets
1,08
0,94 1,58 1,75 1,78 1,83 2,03 1,96 2,04 1,64 1,39 0,87 0,73 0,76 0,75 - Laba 1.497 1.586 2.979 3.560 3.648 3.756 4.408 4.277 4.451 3.576 3.048 1.781 1.133 1.186 1.187 - Profit - Rata-Rata total aset 138.009 169.268 188.885 203.674 204.432 205.778 217.446 218.058 218.377 218.534 218.510 204.072 154.338 155.809 157.591 - Average Assets
91,58
92,21 85,67 84,35 83,90 83,92 82,70 81,95 81,24 83,88 85,95 90,06 91,71 91,09 91,22
- Biaya Operasional 15.473 17.849 17.807 16.180 17.678 19.682 1.769 3.270 4.779 6.232 7.792 8.141 7.490 8.508 9.614 - Operations Expenses - Pendapatan 16.896 19.357 20.785 19.181 21.070 23.452 2.139 3.990 5.883 7.430 9.067 9.039 8.167 9.341 10.539 - Operations Income
Liquidity 24,87
32,73 28,32 29,20 30,55 29,04 34,08 31,98 29,84 27,58 26,91 27,83 20,54 23,35 23,53
- Aktiva Jangka Pendek 30.757 43.437 38.999 41.395 42.655 42.924 50.914 47.159 43.779 40.227 39.260 40.311 27.790 32.905 34.240 - Short-Term Assets - Kewajiban Jangka Pendek 123.672 132.697 137.713 141.768 139.615 147.805 149.400 147.456 146.702 145.858 145.880 144.829 135.271 140.933 145.493 - Short-Term Liabilities
89,21
80,18 78,51 78,42 80,30 78,41 78,72 78,77 80,55 79,49 81,83 79,86 84,69 80,29 77,33
- Pembiayaan 110.929 118.272 124.766 134.729 135.825 138.602 137.734 138.731 141.825 141.109 143.444 137.528 107.802 107.817 109.007 - Financing - Dana Pihak Ketiga 124.349 147.502 158.917 171.807 169.150 176.763 174.974 176.114 176.078 177.516 175.305 172.207 127.286 134.279 140.966 - Third Party Funds
2020
Likuiditas
Indicator
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 2018
Net Operating Margin (%)
Return On Assets Ratio (%) Net Operating Margin (%)
Short Term Mismatch (%) APYD terhadap Aktiva Produktif (%)
Biaya Operasional thdp Pendapatan Operasional (%)
Operating Expenses to Operations Revenue (%)
Short Term Mismatch (%) Rentabilitas
Finance to Deposit Ratio (%) Finance to Deposit Ratio (%)
Capital Adequacy Ratio (%)
2016
Kualitas Aktiva Produktif
Return On Assets Ratio (%) Indikator
Tabel 1.31. Kinerja Bank Umum Syariah - BUKU 2
(Performance of Commercial Sharia Banks - Group of Business Activities 2) Miliar Rp (Billion Rp)
2019 2017
Capital Adequacy Ratio (%)
34
Okt Nov Des Jan Feb Mar Apr Mei Jun Jul Agt Sep 14,02
15,86 16,24 16,29 16,20 16,17 16,02 16,27 16,48 16,47 16,83 21,71 21,40 21,50 21,45
- Modal 6.950 7.859 8.580 9.393 9.509 9.612 9.750 9.888 9.981 10.067 10.205 15.589 20.995 21.151 21.386 - Capital - ATMR 49.580 49.556 52.824 57.671 58.703 59.448 60.879 60.782 60.553 61.134 60.651 71.817 98.093 98.366 99.707 - Risk Weighted Assets
Earning Assset Quality 4,70
3,41 2,50 1,66 1,69 1,46 1,34 1,26 1,27 1,31 1,18 1,64 1,91 1,90 1,84
- APYD 3.430 2.738 2.307 1.648 1.691 1.532 1.524 1.485 1.595 1.584 1.481 2.036 3.233 3.204 3.240 - Classified Earning Assets - Total Aktiva Produktif 72.903 80.377 92.389 99.349 100.257 105.115 113.537 117.735 125.957 121.386 125.817 123.821 169.080 168.577 176.306 - Total Earning assets
Profitability 0,63
0,61 0,97 1,76 1,76 1,88 1,98 1,91 1,53 1,47 1,47 2,17 1,89 1,89 1,92
- Pendapatan 429 454 816 1.638 1.644 1.766 2.219 2.185 1.877 1.796 1.803 2.965 3.560 3.503 3.525 - Net Operations Income - Rata-rata Aktiva 67.778 74.545 84.348 92.833 93.360 94.204 112.106 114.183 123.139 122.277 122.653 136.367 187.969 185.301 184.078 - Average Earning Assets
0,59
0,59 0,88 1,59 1,60 1,69 1,84 1,91 1,74 1,56 1,59 2,29 1,98 1,93 1,95
- Laba 431 484 813 1.587 1.607 1.716 2.052 2.162 1.978 1.776 1.799 2.957 3.549 3.467 3.511 - Profit - Rata-Rata total aset 73.494 82.319 92.771 99.954 100.476 101.461 111.504 113.215 113.726 113.580 113.421 129.304 179.602 179.306 180.193 - Average Assets
97,29
95,57 93,50 86,45 86,59 84,00 83,84 82,53 84,56 84,29 83,66 80,15 81,40 81,87 81,61
- Biaya Operasional 15.399 9.787 11.743 8.708 9.731 9.272 959 1.721 2.571 3.211 3.848 5.987 9.092 10.546 11.734 - Operations Expenses - Pendapatan 15.827 10.241 12.559 10.073 11.238 11.038 1.144 2.085 3.040 3.809 4.599 7.470 11.169 12.881 14.378 - Operations Income
Liquidity 18,04
23,59 25,05 24,30 26,91 31,71 31,77 29,26 28,86 27,11 24,91 24,84 34,52 27,59 26,38
- Aktiva Jangka Pendek 11.910 17.410 21.180 21.162 23.664 29.334 29.119 28.069 27.543 25.570 23.263 25.912 38.480 30.353 30.749 - Short-Term Assets - Kewajiban Jangka Pendek 66.033 73.815 84.559 87.090 87.946 92.516 91.656 95.918 95.446 94.313 93.389 104.331 111.468 110.002 116.559 - Short-Term Liabilities
78,91
77,38 76,97 78,99 78,48 75,28 75,02 72,56 73,89 74,77 75,54 75,52 75,83 76,71 74,68
- Pembiayaan 55.202 60.280 67.326 72.896 73.018 75.138 74.153 74.243 75.300 75.082 75.386 84.010 115.659 116.364 120.248 - Financing - Dana Pihak Ketiga 69.957 77.903 87.472 92.290 93.045 99.810 98.851 102.321 101.916 100.417 99.794 111.244 152.527 151.695 161.010 - Third Party Funds
2020
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
Short Term Mismatch (%)
Finance to Deposit Ratio (%) Likuiditas
Return On Assets Ratio (%)
Finance to Deposit Ratio (%) Short Term Mismatch (%)
Biaya Operasional thdp Pendapatan Operasional (%)
Return On Assets Ratio (%) Indicator
Operating Expenses to Operations Revenue (%) Kualitas Aktiva Produktif
Indikator
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 Rentabilitas
Classified Earning assets to Earning assets (%)
2018 2019
Net Operating Margin (%) Net Operating Margin (%)
APYD terhadap Aktiva Produktif (%)
Capital Adequacy Ratio (%) Capital Adequacy Ratio (%)
2016 2017
Tabel 1.32. Kinerja Bank Umum Syariah - BUKU 3
(Performance of Commercial Sharia Banks - Group of Business Activities 3) Miliar Rp (Billion Rp)
35
Statistik Perbankan Indonesia - Vol. 18 No. 10 September 2020 Indonesia Banking Statistics - Vol. 18 No. 10 September 2020
Sep Okt Nov Des Jan Feb Mar Apr Mei Jun Jul Agt Sep
- BUKU 1 100.103 64.894 71.280 59.280 62.985 61.227 61.798 58.931 58.791 58.166 45.608 43.252 43.969 43.118 45.386 41.822 -
BUKU 1- BUKU 2 844.755 841.732 823.832 906.506 915.605 916.591 905.190 897.914 907.521
r)882.605
r)887.419
r)872.980
r)881.696
r)883.250
r)921.615
r)938.482 -
BUKU 2- BUKU 3 2.410.757 2.463.537 2.741.984 2.595.774 2.600.602 2.585.519 2.616.734 2.576.519 2.632.337
r)2.858.203
r)2.764.848
r)2.536.606
r)2.504.209
r)2.513.639
r)2.570.867
r)2.645.879 -
BUKU 3- BUKU 4 3.120.003 3.729.446 4.114.559 4.431.690 4.431.904 4.512.086 4.628.888 4.505.670 4.583.464 4.644.281 4.602.728 4.814.894 4.884.208 4.933.083 5.010.246 5.060.452 -
BUKU 4- BUKU 1 SYARIAH 15.968 16.999 15.896 16.457 17.075 17.777 17.479 17.423 17.418 16.187 16.150 15.906 15.731 15.498 15.512 16.019 -
BUKU 1 SHARIA- BUKU 2 SYARIAH 159.374 183.177 202.212 205.791 212.133 212.011 220.588 217.446 218.670 219.016 219.003 218.414 210.987 159.123 166.103 171.849 -
BUKU 2 SHARIA- BUKU 3 SYARIAH 78.839 87.850 98.583 102.783 104.582 105.694 112.297 111.504 114.926 114.747 113.140 112.788 129.613 178.201 177.236 187.288 -
BUKU 3 SHARIATotal 6.729.799 7.387.634 8.068.346 8.318.280 8.344.887 8.410.906 8.562.974 8.385.407 4.993.269 5.052.396 4.996.629 5.205.253 5.284.507 5.329.023 5.414.483 9.061.792 Total