Jan Feb Mar Apr Mei Jun Jul Ags Sep Okt Nov 14.040
23.602 20.614 26.337 46.778 60.081 55.204 65.913 71.989 64.841 69.902 69.298 65.246 75.599 85.511 94.692
- Fasilitas pinjaman yang belum ditarik 297 - - 1.239 4.136 4.133 4.012 3.978 3.956 4.098 - - - - - Unused borrowing
- Posisi pembelian spot dan derivatif yang 13.069 23.602 20.614 24.469 42.311 55.437 50.768 61.724 67.822 60.383 69.427 68.940 64.874 75.127 85.360 94.349 - Outstanding spot and derivatives
masih berjalan (purchased)
- Lainnya (Others) 674 - - 630 332 512 425 211 211 360 475 358 372 472 151 343 - Others 309.000
240.565 280.015 419.249 340.858 358.986 353.914 369.438 369.624 364.449 365.725 381.846 375.457 396.969 423.863 423.802
- Fasilitas kredit kepada nasabah yang 189.035 193.478 206.070 236.079 266.256 272.586 277.177 276.048 275.496 274.337 274.552 282.328 281.730 289.921 307.661 299.532 - Undisbursed loan facilities
belum ditarik to debtors
Committed 49.572 48.414 51.893 35.199 30.395 36.560 36.819 31.892 34.229 32.498 26.668 32.116 30.213 24.121 29.982 29.992 - Committed Uncommitted 139.463 145.065 154.177 200.880 235.861 236.026 240.358 244.156 241.267 241.839 247.884 250.213 251.516 265.800 277.679 269.540 - Uncommitted - Fasilitas kredit kepada bank lain yang 163 211 95 53 84 215 207 215 203 176 110 151 142 326 423 427 - Undisbursed loan facilities
Belum ditarik to other banks
Committed 50 72 63 39 80 121 116 124 115 107 43 65 60 50 63 53 - Committed Uncommitted 113 140 32 14 4 94 91 90 88 69 67 86 82 276 360 374 - Uncommitted - Irrevocable L/C yang masih berjalan 112.773 34.112 43.828 33.335 35.976 32.214 27.599 28.103 26.906 27.337 29.916 32.503 32.750 33.125 34.762 34.740 - Current Irrevocable L/C - Posisi penjualan spot dan derivatif yang 7.023 12.749 19.396 25.212 38.539 53.968 48.927 65.070 67.016 62.596 61.144 66.861 60.834 73.594 81.012 89.101 - Outstanding spot and
masih berjalan derivatives (sold)
- Lainnya 6 14 373 4 3 3 3 3 2 2 2 2 2 2 5 2 - Others 32.101
35.686 50.379 62.747 73.300 71.298 70.113 67.768 69.142 70.918 69.241 69.678 75.300 72.599 75.678 76.932
- Garansi yang diterima 10.440 15.132 26.599 33.672 41.712 39.033 37.688 35.535 36.461 37.382 35.742 35.624 40.669 39.639 42.373 43.610 - Received guarantees - Pendapatan bunga dalam penyelesaian 20.529 20.116 23.130 25.873 28.474 28.982 29.140 29.131 29.553 30.411 30.421 30.983 31.542 29.850 30.133 30.331 - Accrued interest - Lainnya 1.131 438 650 3.202 3.114 3.284 3.286 3.102 3.128 3.125 3.078 3.071 3.089 3.110 3.172 2.991 - Others
54.641
82.152 109.845 129.354 161.425 146.133 142.356 141.215 136.597 144.450 144.960 143.836 152.759 153.244 156.881 161.728
- Garansi yang diberikan 54.066 81.904 109.543 128.883 160.866 145.574 141.783 140.723 136.117 143.905 144.419 143.342 152.255 152.738 156.284 161.247 - Issued guarantees - Lainnya 575 248 302 470 560 559 573 493 480 544 541 494 504 506 598 481 - Others
117.840
121.735 132.532 138.372 152.581 146.516 145.983 147.446 141.892 143.723 146.021 147.200 149.835 150.023 148.164 152.415
- Penerusan Kredit 26.383 19.066 19.621 17.503 18.139 18.098 18.108 15.805 9.388 8.967 8.557 8.483 8.566 7.714 4.581 4.586 -Channelling - Aset produktif yang dihapusbukukan 91.369 102.575 112.791 120.746 134.306 128.285 127.746 131.512 132.376 134.622 137.334 138.588 141.138 142.179 143.453 147.693 -Written off earning assets
Kredit yang diberikan 88.092 99.263 109.020 117.233 130.728 124.707 124.175 127.800 128.664 130.903 133.622 134.878 137.425 138.469 139.745 143.979 - Credit disbursed Lainnya 3.277 3.312 3.771 3.513 3.578 3.577 3.571 3.712 3.712 3.719 3.712 3.710 3.713 3.710 3.708 3.714 - Others - Aset produktif yang dihapustagih 88 94 120 123 137 133 130 129 129 134 130 130 132 130 130 135 -Charged off earning assets
Kredit yang diberikan 88 94 120 123 137 133 130 129 129 134 130 130 132 130 130 135 - Credit disbursed Lainnya - - - - - Others
r) Revised figures
Indikator Tagihan Komitmen
Kewajiban Kontijensi
Contingent Claims
Lainnya
r) Angka-angka diperbaiki Kewajiban Komitmen
Others
Contingent Liabilities Tagihan Kontinjensi
2014
Tabel 1.16.a. Rekening Administratif Bank Persero
(State Owned Banks Off-Balance Sheet)
Jan Feb Mar Apr Mei Jun Jul Ags Sep Okt Nov 62.293
67.659 110.257 117.771 103.789 123.222 113.145 125.770 123.015 121.907 127.709 123.923 127.841 127.526 131.066 145.278
- Fasilitas pinjaman yang belum ditarik 325 3.427 8.179 5.280 4.136 4.583 4.312 4.278 4.256 5.008 4.464 4.430 6.237 4.265 5.427 4.566 - Unused borrowing
- Posisi pembelian spot dan derivatif yang 58.190 62.050 100.594 111.426 98.995 116.099 107.652 118.695 116.708 114.738 119.219 117.883 119.284 120.793 123.691 138.708 - Outstanding spot and derivatives
masih berjalan (purchased)
- Lainnya (Others) 3.779 2.183 1.484 1.065 658 2.541 1.181 2.797 2.051 2.162 4.026 1.610 2.320 2.467 1.948 2.004 - Others 353.226
441.539 552.285 547.195 627.032 661.554 639.362 665.839 663.991 680.119 669.324 671.708 678.323 690.839 702.301 729.538
- Fasilitas kredit kepada nasabah yang 269.233 347.941 419.493 466.172 476.484 501.558 495.952 500.507 499.363 506.793 490.893 501.839 505.455 510.807 523.439 536.531 - Undisbursed loan facilities
belum ditarik to debtors
Committed 127.260 163.347 181.364 187.605 170.838 181.960 181.392 186.484 185.184 188.166 180.326 184.851 186.761 190.991 195.740 199.247 - Committed Uncommitted 141.973 184.594 238.129 278.567 305.645 319.598 314.560 314.023 314.180 318.628 310.567 316.988 318.693 319.816 327.699 337.284 - Uncommitted - Fasilitas kredit kepada bank lain yang 1.383 2.234 1.683 2.376 1.881 2.093 2.921 3.846 3.651 4.001 2.885 2.513 3.089 3.434 4.127 4.489 - Undisbursed loan facilities
Belum ditarik to other banks
Committed 779 1.140 883 1.234 750 1.044 1.727 2.564 2.056 2.093 1.348 1.262 1.745 1.677 1.922 1.703 - Committed Uncommitted 604 1.094 800 1.142 1.131 1.048 1.193 1.281 1.595 1.907 1.537 1.251 1.344 1.757 2.205 2.786 - Uncommitted - Irrevocable L/C yang masih berjalan 21.864 25.113 27.686 26.264 19.898 19.494 19.046 22.856 22.055 22.007 20.976 20.905 21.699 21.956 20.579 23.371 - Current Irrevocable L/C - Posisi penjualan spot dan derivatif yang 60.678 66.171 95.574 110.647 127.458 134.468 118.867 133.323 135.545 143.162 150.589 142.895 144.668 150.554 152.123 162.590 - Outstanding spot and
masih berjalan derivatives (sold)
- Lainnya 69 82 7.849 1.509 1.311 3.941 2.577 5.307 3.377 4.156 3.981 3.556 3.413 4.088 2.032 2.557 - Others 7.752
8.659 9.196 17.417 21.115 21.071 21.853 21.995 20.378 22.151 20.408 20.397 20.682 21.183 21.037 23.449
- Garansi yang diterima 4.094 4.553 4.709 10.390 14.652 14.386 14.837 14.587 12.685 13.974 12.527 12.181 12.338 12.909 12.807 14.878 - Received guarantees - Pendapatan bunga dalam penyelesaian 3.566 3.979 4.232 6.890 6.339 6.562 6.906 7.094 7.426 7.867 7.567 7.897 8.042 7.829 7.930 8.263 - Accrued interest - Lainnya 92 126 256 136 124 123 110 314 267 310 313 319 302 445 300 307 - Others
30.467
37.219 43.986 48.820 51.229 49.405 49.216 49.545 49.619 50.208 51.107 49.177 48.955 51.243 51.075 52.360
- Garansi yang diberikan 29.366 34.706 41.564 47.734 49.948 48.140 47.959 48.320 48.380 49.064 49.673 47.971 47.846 50.089 49.841 51.168 - Issued guarantees - Lainnya 1.102 2.512 2.423 1.087 1.281 1.265 1.257 1.225 1.239 1.144 1.435 1.206 1.109 1.153 1.234 1.192 - Others
32.425
46.937 55.939 65.737 79.401 84.628 85.095 87.535 88.514 89.849 91.296 92.638 94.583 98.213 99.744 101.337
- Penerusan Kredit 641 3.268 5.239 3.491 2.694 2.716 2.716 2.745 2.745 2.745 2.715 2.715 2.703 2.603 2.603 2.531 -Channelling - Aset produktif yang dihapusbukukan 26.219 37.317 43.447 45.709 58.636 62.872 63.148 65.477 66.206 67.398 68.462 69.713 71.446 75.074 76.423 77.899 -Written off earning assets
Kredit yang diberikan 22.425 25.663 30.229 41.047 51.961 56.194 56.588 58.431 59.168 60.200 61.442 62.205 64.304 67.950 69.304 70.629 - Credit disbursed Lainnya 3.794 11.655 13.218 4.661 6.674 6.678 6.560 7.046 7.038 7.197 7.021 7.509 7.142 7.124 7.119 7.271 - Others - Aset produktif yang dihapustagih 5.565 6.351 7.253 16.537 18.072 19.041 19.232 19.313 19.563 19.707 20.119 20.210 20.434 20.536 20.719 20.907 -Charged off earning assets
Kredit yang diberikan 4.767 5.784 6.648 9.706 11.735 11.808 11.932 12.066 12.269 12.474 12.875 12.967 13.157 13.268 13.486 13.670 - Credit disbursed Lainnya 797 567 605 6.831 6.337 7.233 7.299 7.247 7.294 7.233 7.244 7.244 7.278 7.268 7.233 7.237 - Others
r) Revised figures Contingent Liabilities
r) Angka-angka diperbaiki Lainnya
Kewajiban Komitmen
2015
Tagihan Kontinjensi
Tabel 1.17.a. Rekening Administratif BUSN Devisa (Foreign Exchange Commercial Banks Off-Balance Sheet)
Miliar Rp (Billion Rp)
Others
2011 2013
Indikator
Tagihan Komitmen Commited Claims
2012 2014
Kewajiban Kontijensi
Contingent Claims Indicator
Commited Liabilities 2016
80
Jan Feb Mar Apr Mei Jun Jul Ags Sep r) Okt Nov 63
18 25 24 5 4 3 7 4 3 5 4 3 3 3 2
- Fasilitas pinjaman yang belum ditarik 50 - - - - - Unused borrowing
- Posisi pembelian spot dan derivatif yang - - - - - Outstanding spot and derivatives
masih berjalan (purchased)
- Lainnya (Others) 13 18 25 24 5 4 3 7 4 3 5 4 3 3 3 2 - Others 2.735
4.861 6.583 10.331 10.822 7.110 7.022 6.888 7.103 7.693 6.576 5.571 5.968 5.904 6.403 6.385
- Fasilitas kredit kepada nasabah yang 2.651 4.762 5.880 9.529 10.524 6.915 6.860 6.724 6.933 7.492 6.438 5.416 5.787 5.760 6.247 6.202 - Undisbursed loan facilities
belum ditarik to debtors
Committed 2.008 2.954 3.919 3.620 4.010 4.354 4.191 4.088 4.103 4.728 3.758 2.570 2.711 2.896 3.278 3.006 - Committed Uncommitted 643 1.808 1.961 5.910 6.514 2.561 2.669 2.636 2.830 2.764 2.680 2.846 3.076 2.864 2.969 3.196 - Uncommitted - Fasilitas kredit kepada bank lain yang 51 70 75 183 245 134 115 107 106 148 119 142 135 114 132 163 - Undisbursed loan facilities
Belum ditarik to other banks
Committed 29 41 30 46 81 74 71 71 56 61 48 48 37 33 43 37 - Committed Uncommitted 22 29 45 137 164 60 44 36 50 87 71 94 98 81 89 126 - Uncommitted - Irrevocable L/C yang masih berjalan - - - - 4 - - 4 - - 2 - - 3 3 3 - Current Irrevocable L/C - Posisi penjualan spot dan derivatif yang - - - - - Outstanding spot and
masih berjalan derivatives (sold)
- Lainnya 33 29 27 30 49 61 47 52 64 54 17 12 46 27 21 17 - Others 245
309 327 363 553 482 461 479 558 641 647 647 338 320 290 317
- Garansi yang diterima 0 - - - - - Received guarantees - Pendapatan bunga dalam penyelesaian 244 303 318 362 540 468 448 467 545 629 634 634 337 318 288 315 - Accrued interest - Lainnya 0 6 9 1 13 13 13 12 12 13 13 13 2 2 2 2 - Others
222
374 387 551 1.932 1.593 1.413 1.493 1.467 1.568 1.732 1.878 1.861 2.070 2.151 2.053
- Garansi yang diberikan 185 289 324 466 1.842 1.497 1.333 1.426 1.399 1.482 1.648 1.801 1.798 1.998 2.091 1.999 - Issued guarantees - Lainnya 37 85 63 85 90 96 80 67 68 85 84 76 63 72 60 54 - Others
1.432
2.255 3.103 4.012 5.505 1.329 1.323 1.396 1.405 1.458 1.681 1.658 1.087 1.176 1.319 1.266
- Penerusan Kredit 85 82 81 85 85 50 50 50 50 50 50 50 50 50 50 50 -Channelling - Aset produktif yang dihapusbukukan 1.223 1.761 2.404 3.211 4.529 1.258 1.252 1.327 1.335 1.388 1.610 1.592 1.022 1.071 1.144 1.176 -Written off earning assets
Kredit yang diberikan 1.067 1.612 2.166 3.206 4.524 1.257 1.251 1.325 1.334 1.386 1.608 1.591 1.021 1.070 1.142 1.175 - Credit disbursed Lainnya 156 149 239 5 5 1 1 2 1 1 1 1 1 1 1 1 - Others - Aset produktif yang dihapustagih 124 412 617 716 891 21 21 18 19 20 21 16 15 55 126 41 -Charged off earning assets
Kredit yang diberikan 124 412 617 716 891 21 21 18 19 20 21 16 15 55 126 41 - Credit disbursed Lainnya - - - - - Others
r) Revised figures r) Angka-angka diperbaiki
Commited Claims
Tabel 1.18.a. Rekening Administratif BUSN Non Devisa (Non-Foreign Exchange Commercial Banks Off-Balance Sheet)
Miliar Rp (Billion Rp)
Tagihan Komitmen
2015
Indikator 2011 Indicator
Lainnya
Kewajiban Komitmen
Kewajiban Kontijensi Tagihan Kontinjensi
Contingent Liabilities Commited Liabilities
Others Contingent Claims 2014
2012 2013
2016
81
Jan Feb Mar Apr Mei Jun Jul Ags Sep Okt Nov 3.270
2.426 3.674 3.458 3.619 4.728 5.257 4.555 5.979 5.325 4.173 5.654 5.179 4.181 5.012 4.906
- Fasilitas pinjaman yang belum ditarik 5 77 80 80 84 84 83 75 83 83 83 83 84 87 85 85 - Unused borrowing
- Posisi pembelian spot dan derivatif yang - 10 366 0 441 1.272 1.296 854 2.265 1.244 329 1.830 1.319 272 842 853 - Outstanding spot and derivatives
masih berjalan (purchased)
- Lainnya (Others) 3.265 2.340 3.228 3.377 3.093 3.371 3.878 3.626 3.630 3.998 3.761 3.741 3.776 3.822 4.086 3.968 - Others 16.931
21.004 24.112 27.193 17.956 19.794 19.704 18.800 19.196 19.202 18.578 20.149 33.595 17.680 18.949 19.044
- Fasilitas kredit kepada nasabah yang 14.712 18.826 19.261 16.493 14.114 15.199 14.625 14.416 13.443 13.735 13.952 13.942 13.235 13.012 13.695 13.889 - Undisbursed loan facilities
belum ditarik to debtors
Committed 6.353 5.366 5.338 3.880 3.361 3.743 3.656 3.541 3.662 3.603 3.919 4.206 4.273 4.198 4.490 4.943 - Committed Uncommitted 8.360 13.460 13.922 12.613 10.753 11.456 10.969 10.875 9.781 10.132 10.033 9.737 8.962 8.814 9.205 8.947 - Uncommitted - Fasilitas kredit kepada bank lain yang 72 78 151 143 312 344 427 581 511 557 488 555 517 638 637 572 - Undisbursed loan facilities
Belum ditarik to other banks
Committed 55 15 36 50 95 97 99 85 89 88 88 93 94 92 97 95 - Committed Uncommitted 16 64 115 93 217 247 328 496 421 469 400 461 423 546 541 477 - Uncommitted - Irrevocable L/C yang masih berjalan 894 865 817 399 443 370 151 142 133 169 182 123 150 153 164 179 - Current Irrevocable L/C - Posisi penjualan spot dan derivatif yang 27 39 219 37 480 939 997 125 1.631 968 605 1.894 1.527 378 679 688 - Outstanding spot and
masih berjalan derivatives (sold)
- Lainnya 1.226 1.196 1.629 2.607 2.607 2.942 3.504 3.537 3.478 3.773 3.351 3.635 18.166 3.500 3.773 3.715 - Others 1.973
7.391 4.506 5.512 5.419 5.407 5.516 5.592 5.706 5.875 6.027 5.952 11.691 11.478 6.184 6.198
- Garansi yang diterima 989 6.255 2.852 2.835 2.129 2.015 1.970 2.019 2.059 2.152 2.146 2.120 7.440 7.340 2.035 2.045 - Received guarantees - Pendapatan bunga dalam penyelesaian 833 1.018 1.573 2.531 2.891 2.990 3.077 3.076 3.131 3.194 3.347 3.273 3.679 3.563 3.601 3.609 - Accrued interest - Lainnya 152 118 81 146 398 402 470 497 516 529 535 560 571 575 547 544 - Others
10.377
11.946 12.140 11.353 13.863 10.503 9.764 9.915 10.326 11.092 12.195 12.077 12.811 12.761 12.697 11.859
- Garansi yang diberikan 10.376 11.945 11.763 11.109 13.732 10.379 9.650 9.817 10.229 11.001 12.112 11.994 12.734 12.678 12.414 11.610 - Issued guarantees - Lainnya 1 1 376 244 131 124 114 98 97 91 83 83 77 83 283 250 - Others
6.449
7.310 8.540 9.784 12.730 12.801 13.015 13.671 13.776 13.942 14.374 14.503 15.223 15.490 15.849 15.982
- Penerusan Kredit 2.326 2.160 2.434 2.222 2.141 2.204 2.387 2.375 2.305 2.313 2.351 2.374 2.358 2.326 2.316 2.299 -Channelling - Aset produktif yang dihapusbukukan 3.952 4.998 5.993 7.439 10.473 10.485 10.516 11.184 11.359 11.517 11.911 12.017 12.752 13.052 13.422 13.548 -Written off earning assets
Kredit yang diberikan 3.714 4.763 5.610 7.173 10.101 10.115 10.141 10.724 10.954 11.116 11.530 11.638 12.382 12.582 12.944 13.066 - Credit disbursed Lainnya 238 236 383 266 371 370 375 460 405 401 380 379 371 469 478 482 - Others - Aset produktif yang dihapustagih 171 153 113 122 116 112 112 112 112 112 112 112 112 112 112 135 -Charged off earning assets
Kredit yang diberikan 133 153 113 113 112 112 112 112 112 112 112 112 112 112 112 135 - Credit disbursed Lainnya 39 - - 9 4 - 0 - - - - - Others
r) Revised figures Contingent Liabilities
Commited Liabilities
Contingent Claims
Others Kewajiban Kontijensi
Kewajiban Komitmen
r) Angka-angka diperbaiki Tagihan Kontinjensi
Tabel 1.19.a. Rekening Administratif BPD (Regional Development Banks Off-Balance Sheet)
Miliar Rp (Billion Rp)
2011 Indicator
Lainnya
2013
2012 2014
Tagihan Komitmen Indikator
Commited Claims 2015
2016
82
Jan Feb Mar Apr Mei Jun Jul Ags Sep Okt Nov 34.781
41.154 63.713 87.157 74.512 78.474 73.099 78.251 74.854 81.302 80.620 79.900 79.047 84.160 90.217 94.427
- Fasilitas pinjaman yang belum ditarik 7.927 4.510 10.176 3.868 11.676 11.475 12.227 13.825 11.947 9.856 12.684 14.402 15.284 14.393 15.693 13.458 - Unused borrowing - Posisi pembelian spot dan derivatif yang 26.736 36.560 53.155 81.019 62.740 66.735 60.789 64.355 62.860 68.386 65.184 62.499 60.833 65.177 69.789 76.086 - Outstanding spot and derivatives
masih berjalan (purchased)
- Lainnya (Others) 119 84 381 2.270 96 264 83 70 47 3.060 2.752 2.998 2.931 4.590 4.735 4.883 - Others 120.035
143.637 187.237 228.063 226.085 238.206 223.972 229.734 234.740 241.250 221.846 337.673 352.443 357.569 359.527 369.351
- Fasilitas kredit kepada nasabah yang 85.198 104.664 125.246 126.435 164.235 167.558 162.921 161.921 166.722 167.925 156.809 165.384 177.342 170.848 173.636 174.116 - Undisbursed loan facilities
belum ditarik to debtors
Committed 15.607 12.083 16.505 17.498 14.762 15.975 15.183 14.630 14.094 13.341 14.618 18.124 19.882 21.494 22.029 21.899 - Committed Uncommitted 69.591 92.581 108.741 108.937 149.473 151.582 147.738 147.291 152.628 154.584 142.191 147.260 157.460 149.354 151.607 152.217 - Uncommitted - Fasilitas kredit kepada bank lain yang 7 15 77 27 47 51 55 51 49 46 37 48 40 39 15 34 - Undisbursed loan facilities
Belum ditarik to other banks
Committed 2 4 10 8 - - - 0 0 0 0 1 1 1 1 0 - Committed Uncommitted 5 11 67 19 47 51 55 51 49 46 37 47 39 38 14 33 - Uncommitted - Irrevocable L/C yang masih berjalan 6.352 6.022 11.095 6.285 5.223 4.470 4.358 5.056 4.515 3.918 4.017 4.031 3.968 4.115 4.006 5.376 - Current Irrevocable L/C - Posisi penjualan spot dan derivatif yang 28.175 32.721 50.452 74.958 56.319 65.639 56.321 62.435 63.201 68.840 60.403 61.689 60.832 67.416 69.345 73.666 - Outstanding spot and
masih berjalan derivatives (sold)
- Lainnya 303 215 366 611 261 488 318 269 254 521 579 607 491 289 178 282 - Others 45.523
62.290 91.364 100.500 98.367 99.115 112.932 113.199 110.631 114.639 110.417 110.791 114.614 119.885 117.299 122.270
- Garansi yang diterima 45.322 62.040 91.016 99.984 97.617 98.378 112.174 112.489 109.888 113.871 109.632 109.944 113.737 118.978 116.353 121.254 - Received guarantees - Pendapatan bunga dalam penyelesaian 201 246 346 509 751 737 757 710 743 768 784 846 878 907 946 1.016 - Accrued interest - Lainnya - 4 2 6 - - - - - Others
12.035
15.200 20.536 18.093 20.195 20.370 21.703 21.865 21.452 22.546 22.353 22.353 23.097 22.235 23.366 25.419
- Garansi yang diberikan 12.035 15.158 20.445 18.093 20.195 20.370 21.703 21.865 21.452 22.546 22.353 22.353 23.097 22.232 23.364 25.419 - Issued guarantees - Lainnya - 42 91 - 0 0 0 0 0 1 0 1 1 3 2 0 - Others
2.624
3.753 5.334 6.575 9.245 9.669 9.827 9.826 10.544 11.963 12.284 12.373 11.581 11.937 12.249 12.512
- Penerusan Kredit 0 0 0 0 0 0 0 0 0 0 0 0 0 0 - - - Channelling - Aset produktif yang dihapusbukukan 2.490 3.506 4.900 6.107 8.743 8.701 8.802 9.336 9.133 10.203 10.215 10.310 10.780 11.122 11.402 11.647 - Written off earning assets
Kredit yang diberikan 2.336 3.352 4.746 6.097 8.733 8.691 8.792 9.326 9.123 10.192 10.205 10.300 10.769 11.111 11.391 11.615 - Credit disbursed Lainnya 153 153 153 10 10 10 10 10 10 10 10 10 10 10 10 32 - Others - Aset produktif yang dihapustagih 134 247 435 468 502 967 1.025 490 1.411 1.760 2.069 2.063 802 815 847 865 - Charged off earning assets
Kredit yang diberikan 134 247 435 468 502 967 1.025 490 1.411 1.760 2.069 2.063 802 815 847 865 - Credit disbursed Lainnya - - - - 0 0 0 0 0 0 0 0 0 0 0 0 - Others
r) Revised figures Commited Liabilities
Indikator
Kewajiban Komitmen
Tagihan Kontinjensi
2014 2013
Commited Claims
Contingent Claims Tagihan Komitmen
Others
Contingent Liabilities
Lainnya
2012 2011
Kewajiban Kontijensi
r) Angka-angka diperbaiki
Tabel 1.20.a. Rekening Administratif Bank Campuran (Joint Venture Banks Off-Balance Sheet)
Miliar Rp (Billion Rp)
Indicator 2015
2016
83
Jan Feb Mar Apr Mei Jun Jul Ags Sep Okt Nov 95.013
140.520 198.742 238.213 283.040 262.323 241.977 295.791 292.181 307.861 310.461 300.037 305.192 286.044 296.354 362.787
- Fasilitas pinjaman yang belum ditarik 7.707 8.192 13.996 14.243 18.610 - - - - - Unused borrowing
- Posisi pembelian spot dan derivatif yang 87.238 132.324 184.725 223.960 264.430 262.323 241.977 295.791 292.181 307.861 310.346 300.019 305.192 286.044 296.296 362.787 - Outstanding spot and derivatives
masih berjalan (purchased)
- Lainnya (Others) 67 4 21 10 - - - 115 18 - - 58 - - Others 281.415
302.516 450.692 380.969 598.753 601.890 587.081 583.556 581.881 606.290 589.852 579.655 588.988 575.351 588.015 660.709
- Fasilitas kredit kepada nasabah yang 122.450 147.600 237.527 282.793 287.908 286.568 288.000 276.527 280.412 287.890 279.562 276.876 282.330 287.178 285.641 293.284 - Undisbursed loan facilities
belum ditarik to debtors
Committed 60.888 33.500 42.453 49.567 52.047 52.120 51.381 52.276 53.703 54.546 54.236 54.406 55.123 55.111 54.438 53.663 - Committed Uncommitted 61.561 114.101 195.074 233.226 235.861 234.448 236.619 224.251 226.709 233.344 225.326 222.470 227.207 232.067 231.203 239.621 - Uncommitted - Fasilitas kredit kepada bank lain yang 816 3.302 6.303 5.087 4.965 9.692 7.941 8.442 9.419 8.532 8.265 7.669 8.664 8.574 8.960 9.534 - Undisbursed loan facilities
Belum ditarik to other banks
Committed 581 338 33 156 59 1.437 67 66 65 80 76 66 88 86 86 10 - Committed Uncommitted 236 2.964 6.270 4.931 4.905 8.255 7.875 8.377 9.354 8.451 8.189 7.603 8.576 8.489 8.874 9.524 - Uncommitted - Irrevocable L/C yang masih berjalan 8.039 7.328 11.769 7.991 7.971 6.785 5.896 6.016 6.146 6.806 6.670 6.638 6.362 7.148 6.315 7.141 - Current Irrevocable L/C - Posisi penjualan spot dan derivatif yang 149.823 144.037 194.823 243.348 297.669 298.453 284.885 292.242 285.563 302.756 294.439 288.180 291.276 272.174 286.825 350.443 - Outstanding spot and
masih berjalan derivatives (sold)
- Lainnya 287 249 271 117 240 391 359 328 341 307 916 291 357 276 274 308 - Others 92.289
85.357 104.257 97.743 109.638 106.935 102.041 100.274 100.242 104.368 99.277 98.092 104.071 97.322 97.388 100.509
- Garansi yang diterima 92.113 85.156 104.151 97.575 109.222 106.504 101.592 99.791 99.699 103.775 98.651 97.441 103.352 96.592 96.605 99.683 - Received guarantees - Pendapatan bunga dalam penyelesaian 173 187 98 161 407 422 441 475 534 584 617 642 708 721 772 815 - Accrued interest - Lainnya 2 13 8 7 8 9 8 8 8 9 9 9 10 10 10 11 - Others
34.623
36.785 45.450 41.566 53.816 48.598 45.274 44.866 46.240 46.242 42.783 42.293 42.739 41.686 41.677 42.560
- Garansi yang diberikan 34.623 36.785 45.450 41.566 50.809 48.598 45.274 44.866 46.240 46.242 42.783 42.293 42.739 41.686 41.677 42.559 - Issued guarantees - Lainnya - - - - 3.007 - 0 - - - 1 - Others
7.020
9.899 11.100 13.477 14.604 15.787 15.578 15.998 16.341 16.811 16.502 16.634 16.778 16.964 16.976 16.997
- Penerusan Kredit - - - - -Channelling - Aset produktif yang dihapusbukukan 6.965 9.676 10.650 12.720 13.588 13.508 13.293 13.704 14.040 14.504 14.715 14.843 14.981 15.165 15.139 15.144 -Written off earning assets
Kredit yang diberikan 6.954 9.664 10.483 12.568 13.436 13.357 13.142 13.553 13.889 14.353 14.564 14.692 14.830 15.014 14.988 14.988 - Credit disbursed Lainnya 11 12 166 151 151 151 151 151 151 151 151 151 151 151 151 156 - Others - Aset produktif yang dihapustagih 55 223 450 757 1.016 2.279 2.285 2.294 2.301 2.307 1.787 1.791 1.797 1.800 1.837 1.853 -Charged off earning assets
Kredit yang diberikan 55 223 450 757 924 2.187 2.193 2.202 2.209 2.215 1.695 1.699 1.705 1.707 1.745 1.761 - Credit disbursed Lainnya - - - - 92 92 92 92 92 92 92 92 92 92 92 92 - Others
***) Estimated figures r) Revised figures Commited Claims
Tabel 1.21.a. Rekening Administratif Bank Asing (Foreign Owned Banks Off-Balance Sheet)
Miliar Rp (Billion Rp)
2012 2013
r) Angka-angka diperbaiki
***) Angka-angka sangat-sangat sementara
Others Contingent Claims Tagihan Komitmen
Commited Liabilities
Tagihan Kontinjensi
Lainnya
Indicator
2011 2014
Indikator
Kewajiban Komitmen
Contingent Liabilities Kewajiban Kontijensi
2015
2016
84
Jan Feb Mar Apr Mei Jun Jul Ags Sep Okt Nov 17,43
18,13 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 496.629 626.888 754.174 914.657 934.803 938.203 948.063 951.422 984.035 1.009.113 1.027.173 1.036.925 1.018.067 1.038.877 1.045.429 - Capital
- ATMR 2.849.997 3.458.404 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
15,60
16,36 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) 444.545 565.774 694.198 812.590 825.250 829.248 836.686 843.332 871.816 896.383 910.664 923.507 941.080 961.359 967.359 - Core Capital (Tier I)
- ATMR 2.849.997 3.458.404 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
3,11
3,08 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 117.103 134.571 142.769 132.601 147.565 135.059 144.273 141.210 139.406 138.230 141.042 142.033 143.531 145.636 143.913 - Profit
- Rata-rata total aset 3.761.912 4.365.364 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
BOPO (%) 74,10 74,08 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 321.357 368.460 446.217 569.141 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 433.678 497.384 584.887 698.404 79.918 141.926 208.701 262.220 317.094 382.450 436.236 497.629 561.950 646.323 672.322 - Operating Income
NIM (%) 5,49 4,89 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 200.338 233.841 260.940 293.824 318.581 310.370 316.062 317.252 320.066 321.005 321.836 322.686 326.399 327.610 327.475 - Interest income net
- Rata-rata total aset produktif 3.648.741 4.782.557 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
LDR (%) 83,58 89,70 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 2.597.026 3.158.099 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 3.107.385 3.520.616 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
Rasio Aset Likuid (%) 18,45 15,77 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 616.043 589.158 686.023 736.720 722.958 739.015 787.248 766.707 773.470 802.188 720.875 730.638 746.111 777.163 794.818 - Aset Likuid Primer
- Aset Likuid Sekunder 142.989 163.506 192.598 251.623 262.200 289.115 282.493 292.029 294.890 287.060 280.907 304.013 280.295 297.109 294.609 - Aset Likuid Sekunder
- Total Aset 4.115.003 4.773.892 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 Ket: Data tidak termasuk BUS
Net Interest Margin Ratio (%) Return On Assets Ratio (%)
Liquid Assets Ratio (%) 2014
Tabel 1.22.a. Kinerja Bank Umum Konvensional (Commercial Banks Performance)
Miliar Rp (Billion Rp)
Keterangan Items
Rasio Pemenuhan Kecukupan Modal
Minimum (%) Capital Adequacy Ratio (%)
ROA (%)
Core Capital Ratio to ATMR (%) Rasio Modal Inti terhadap ATMR (%)
Operating Expenses/Operating Income (%)
Loan to Deposits Ratio (%)
2012 2013 2015
2016
85
Jan Feb Mar Apr Mei Jun Jul Ags Sep Okt Nov 16,17
15,91 17,08 19,31 19,84 20,11 19,66 20,62 20,73 21,20 22,09 21,74 20,43 21,50 21,16 - Modal 166.297 198.288 235.019 305.497 316.176 318.688 316.273 337.068 344.168 364.661 374.285 374.336 359.343 377.733 378.204 -Capital
- ATMR 1.028.287 1.246.469 1.375.677 1.582.361 1.593.620 1.585.022 1.608.882 1.634.530 1.660.113 1.719.847 1.694.555 1.721.741 1.759.198 1.757.012 1.787.101 -Risk Weighted Assets
14,59
14,58 16,14 16,38 16,79 17,05 16,68 17,67 17,62 18,17 18,84 18,72 19,21 20,27 19,93
- Modal Inti (Tier I) 150.049 181.769 222.102 259.267 267.622 270.216 268.302 288.893 292.551 312.464 319.176 322.226 337.944 356.179 356.239 -Core Capital (Tier I)
- ATMR 1.028.287 1.246.469 1.375.677 1.582.361 1.593.620 1.585.022 1.608.882 1.634.530 1.660.113 1.719.847 1.694.555 1.721.741 1.759.198 1.757.012 1.787.101 -Risk Weighted Assets
3,80
3,87 3,75 3,31 2,98 2,83 3,04 2,96 2,81 2,68 2,68 2,69 2,77 2,83 2,82 - Laba sebelum pajak 51.669 61.645 69.104 70.307 67.260 64.114 69.080 67.545 64.334 61.837 62.184 62.791 65.066 66.887 67.169 -Profit
- Rata-rata total aset 1.359.034 1.593.260 1.842.847 2.126.052 2.255.480 2.263.602 2.274.503 2.280.962 2.287.146 2.310.646 2.322.043 2.331.775 2.349.125 2.362.920 2.379.787 -Average total assets
BOPO (%) 70,53 66,16 69,57 72,58 83,55 80,75 78,04 77,45 78,38 78,86 77,96 77,79 77,07 78,81 76,14
- Biaya Operasional 116.981 116.272 150.501 179.972 27.785 43.471 59.770 75.490 93.919 112.630 125.530 143.440 161.031 207.490 195.263 -Operating Expenses
- Pendapatan Operasional 165.852 175.740 216.331 247.961 33.256 53.836 76.590 97.465 119.821 142.821 161.023 184.383 208.939 263.286 256.457 -Operating Income
NIM (%) 5,95 5,50 5,11 6,19 6,35 6,16 6,24 6,26 6,31 6,28 6,26 6,24 6,40 6,38 6,32
- Pendapatan bunga bersih 79.244 95.200 109.862 126.356 137.888 134.356 136.937 137.286 138.681 139.100 139.286 139.333 143.937 144.338 143.942 -Interest income net
- Rata-rata total aset produktif 1.331.277 1.731.075 2.147.990 2.040.597 2.172.409 2.182.423 2.192.884 2.194.224 2.197.570 2.214.025 2.223.798 2.232.099 2.248.293 2.261.452 2.278.090 -Average total earning assets
LDR (%) 79,84 86,70 83,73 88,58 90,59 88,67 89,26 90,05 92,11 90,77 92,03 92,63 91,78 91,75 91,64 -Total Kredit kepada pihak ketiga bukan
Bank 959.128 1.181.726 1.325.087 1.536.852 1.505.210 1.494.648 1.521.543 1.525.808 1.558.231 1.620.874 1.609.296 1.621.951 1.664.653 1.675.803 1.718.846 -Total Credit to third party - Total Dana Pihak Ketiga 1.201.284 1.363.062 1.582.488 1.734.961 1.661.628 1.685.678 1.704.548 1.694.414 1.691.686 1.785.720 1.748.642 1.751.023 1.813.715 1.826.504 1.875.554 -Total Third Party Funds
Rasio Aset Likuid (%) 20,06 15,84 16,66 15,99 15,03 16,46 16,44 15,39 15,07 16,08 14,40 14,49 15,12 15,52 15,30
- Aset Likuid Primer 229.643 199.232 254.338 245.617 208.684 232.748 241.560 214.779 204.905 247.293 204.919 201.396 251.616 247.607 255.625 -Aset Likuid Primer
- Aset Likuid Sekunder 78.295 79.349 91.707 124.180 130.320 141.069 135.985 139.318 143.553 143.061 139.279 146.438 124.675 138.391 134.401 -Aset Likuid Sekunder
- Total Aset 1.535.343 1.758.873 2.076.518 2.313.309 2.255.480 2.271.723 2.296.305 2.300.339 2.311.883 2.428.143 2.390.427 2.399.899 2.487.924 2.487.080 2.548.455 -Total Assets Ket: Data tidak termasuk BUS
Net Interest Margin Ratio (%)
Liquid Assets Ratio (%)
Operating Expenses/Operating Income (%)
Loan to Deposits Ratio (%) 2014
Core Capital Ratio to ATMR (%) Capital Adequacy Ratio (%)
Return On Assets Ratio (%) Items
Tabel 1.23.a. Kinerja Bank Persero Konvensional
(State Owned Banks Performance) Miliar Rp (Billion Rp)
KeteranganRasio Modal Inti terhadap ATMR (%)
ROA (%)
2013 Rasio Pemenuhan Kecukupan Modal
Minimum (%)
2012 2015
2016
86
Jan Feb Mar Apr Mei Jun Jul Ags Sep Okt Nov 15,33
16,01 16,42 18,45 18,53 18,79 19,62 19,28 19,45 19,73 20,27 20,43 20,33 20,76 20,68 - Modal 177.744 220.225 252.499 323.381 322.133 325.872 342.820 337.116 342.569 352.005 358.705 362.244 364.084 366.450 368.941 -Capital
- ATMR 1.159.788 1.375.870 1.538.222 1.752.329 1.738.161 1.734.058 1.746.901 1.748.981 1.761.562 1.783.873 1.769.473 1.772.858 1.791.245 1.765.351 1.784.207 -Risk Weighted Assets
13,05
13,78 14,27 16,21 16,29 16,56 17,23 17,09 17,28 17,58 18,09 18,25 18,31 18,69 18,65
- Modal Inti (Tier I) 151.331 189.602 219.543 284.066 283.173 287.075 301.060 298.980 304.323 313.600 320.019 323.589 328.042 329.929 332.841 -Core Capital (Tier I)
- ATMR 1.159.788 1.375.870 1.538.222 1.752.329 1.738.161 1.734.058 1.746.901 1.748.981 1.761.562 1.783.873 1.769.473 1.772.858 1.791.245 1.765.351 1.784.207 -Risk Weighted Assets
2,64
2,43 2,13 1,75 2,02 1,73 1,80 1,81 1,90 1,92 1,99 2,00 1,99 1,99 1,94 - Laba sebelum pajak 38.452 40.571 40.306 38.012 44.679 38.284 39.739 40.020 42.274 42.845 44.613 45.173 44.965 45.085 44.152 -Profit
- Rata-rata total aset 1.455.843 1.667.964 1.890.222 2.171.583 2.210.487 2.210.309 2.213.585 2.214.839 2.222.220 2.230.745 2.244.503 2.253.255 2.259.513 2.264.218 2.271.219 -Average total assets
BOPO (%) 74,88 78,07 80,70 84,98 83,90 85,33 85,28 84,47 84,07 82,93 82,13 82,00 81,71 81,68 82,36
- Biaya Operasional 112.722 138.893 167.522 209.843 19.220 39.114 59.037 74.159 89.531 105.837 122.397 138.132 154.814 171.179 188.036 -Operating Expenses
- Pendapatan Operasional 150.543 177.897 207.584 246.924 22.908 45.837 69.224 87.797 106.497 127.629 149.037 168.460 189.478 209.572 228.312 -Operating Income
NIM (%) 5,17 4,42 3,78 5,07 5,30 5,16 5,26 5,29 5,29 5,30 5,30 5,31 5,31 5,33 5,32
- Pendapatan bunga bersih 72.679 81.316 87.102 104.434 112.236 109.381 111.399 112.187 112.492 112.836 113.571 114.192 114.598 115.184 115.336 -Interest income net
- Rata-rata total aset produktif 1.404.733 1.838.391 2.302.325 2.059.957 2.116.787 2.118.471 2.119.289 2.119.560 2.125.071 2.130.911 2.143.431 2.151.754 2.157.752 2.161.790 2.168.541 -Average total earning assets
LDR (%) 81,58 83,77 85,66 87,55 85,83 85,58 86,15 86,10 85,67 87,07 84,64 84,17 86,59 85,00 84,32 -Total Kredit kepada pihak ketiga bukan
Bank 1.026.324 1.202.706 1.342.612 1.513.839 1.470.031 1.468.911 1.472.517 1.472.215 1.485.337 1.509.464 1.492.022 1.497.744 1.504.042 1.497.469 1.509.963 -Total Credit to third party - Total Dana Pihak Ketiga 1.257.990 1.435.791 1.567.343 1.729.031 1.712.779 1.716.349 1.709.240 1.709.971 1.733.750 1.733.582 1.762.754 1.779.429 1.736.993 1.761.628 1.790.784 -Total Third Party Funds
Rasio Aset Likuid (%) 15,47 14,66 14,87 15,97 15,00 15,16 16,28 16,61 17,07 16,50 14,98 15,35 14,56 15,86 16,25
- Aset Likuid Primer 203.772 216.884 244.859 292.473 261.337 258.720 288.021 286.395 301.668 302.467 270.512 269.265 252.384 281.198 298.883 -Aset Likuid Primer
- Aset Likuid Sekunder 41.689 49.644 52.411 65.893 70.323 76.367 73.507 82.126 82.747 72.646 73.241 86.013 83.965 84.756 81.615 -Aset Likuid Sekunder
- Total Aset 1.586.631 1.818.240 1.999.417 2.243.785 2.210.487 2.210.131 2.220.137 2.218.603 2.251.743 2.273.368 2.295.301 2.314.520 2.309.572 2.306.933 2.341.225 -Total Assets Ket: Data tidak termasuk BUS
Tabel 1.24.a. Kinerja BUSN Devisa Konvensional (Foreign Exchange Commercial Banks Performance)
Miliar Rp (Billion Rp)
Liquid Assets Ratio (%) Net Interest Margin Ratio (%)
Items
Loan to Deposits Ratio (%) Core Capital Ratio to ATMR (%)
Return On Assets Ratio (%) Capital Adequacy Ratio (%)
2012 2014
Operating Expenses/Operating Income (%) Keterangan
Rasio Pemenuhan Kecukupan Modal Minimum (%)
ROA (%)
2013
Rasio Modal Inti terhadap ATMR (%)
2015
2016
87
Jan Feb Mar Apr Mei Jun Jul Ags Sep Okt Nov 20,80
23,16 23,07 22,15 22,16 22,42 21,81 23,46 22,75 22,64 21,94 23,11 23,10 22,48 25,02 - Modal 13.530 17.984 20.631 10.609 10.636 10.873 10.652 10.866 11.451 11.590 10.280 10.016 10.117 10.153 10.519 - Capital
- ATMR 65.057 77.653 89.411 47.895 47.990 48.486 48.834 46.325 50.333 51.185 46.857 43.351 43.803 45.163 42.043 - Risk Weighted Assets
19,38
21,47 21,49 20,08 20,12 20,39 19,76 21,35 20,74 20,64 19,87 20,89 20,90 20,30 22,73
- Modal Inti (Tier I) 12.610 16.675 19.213 9.615 9.656 9.885 9.649 9.892 10.440 10.563 9.309 9.056 9.156 9.166 9.557 - Core Capital (Tier I)
- ATMR 65.057 77.653 89.411 47.895 47.990 48.486 48.834 46.325 50.333 51.185 46.857 43.351 43.803 45.163 42.043 - Risk Weighted Assets
3,31
3,26 2,16 0,47 0,48 0,34 0,25 0,25 0,10 0,15 (0,04) 0,72 0,80 0,81 0,83 - Laba sebelum pajak 3.204 3.744 2.839 299 331 237 175 171 70 108 (26) 442 488 503 519 - Profit
- Rata-rata total aset 96.840 114.799 131.315 63.861 68.524 68.712 69.413 69.871 70.472 71.236 66.298 61.168 61.423 61.761 62.276 - Average total assets
BOPO (%) 79,30 79,67 86,31 96,03 95,81 97,03 97,80 97,85 99,03 98,47 100,10 93,52 92,95 92,71 92,47
- Biaya Operasional 12.149 14.260 17.751 7.477 676 1.343 2.063 2.729 3.400 4.134 4.476 4.381 4.967 5.517 6.081 - Operating Expenses
- Pendapatan Operasional 15.320 17.900 20.567 7.786 706 1.384 2.110 2.789 3.433 4.198 4.472 4.685 5.344 5.951 6.576 - Operating Income
NIM (%) 9,34 8,73 7,02 3,97 3,60 3,39 3,54 3,50 3,51 3,58 3,57 3,73 3,79 3,94 3,96
- Pendapatan bunga bersih 8.606 9.761 9.091 2.410 2.343 2.213 2.336 2.327 2.357 2.427 2.242 2.179 2.218 2.316 2.350 - Interest income net
- Rata-rata total aset produktif 92.126 111.801 129.441 60.730 65.146 65.300 66.012 66.487 67.058 67.758 62.884 58.342 58.553 58.846 59.325 - Average total earning assets
LDR (%) 82,73 85,10 87,81 81,12 r) 79,64 r) 79,97 r) 80,37 79,59 79,87 79,77 80,01 79,84 82,12 82,82 81,52 -Total Kredit kepada pihak ketiga bukan
Bank 69.804 82.634 91.795 43.541 r) 43.097 r) 43.470 r) 44.285 44.838 45.747 47.077 43.409 40.067 40.920 41.680 42.256 - Total Credit to third party - Total Dana Pihak Ketiga 84.374 97.102 104.544 53.674 r) 54.115 r) 54.360 r) 55.101 56.333 57.277 59.013 54.253 50.181 49.827 50.324 51.835 - Total Third Party Funds
Rasio Aset Likuid (%) 19,32 15,03 18,15 16,35 14,40 13,34 14,79 14,41 13,88 16,08 12,06 13,29 13,96 12,52 14,10
- Aset Likuid Primer 19.716 18.417 24.762 9.820 8.219 7.322 8.853 8.738 8.523 10.557 7.003 7.260 7.748 6.699 7.996 - Aset Likuid Primer
- Aset Likuid Sekunder 1.291 891 803 1.529 1.651 1.868 1.619 1.528 1.595 1.513 1.252 1.203 1.111 1.417 1.512 - Aset Likuid Sekunder
- Total Aset 108.758 128.498 140.823 69.419 68.524 68.900 70.815 71.247 72.873 75.059 68.419 63.696 63.458 64.807 67.424 - Total Assets Ket: Data tidak termasuk BUS
Net Interest Margin Ratio (%)
Keterangan 2014
Core Capital Ratio to ATMR (%) Capital Adequacy Ratio (%)
Items
Loan to Deposits Ratio (%)
Liquid Assets Ratio (%) Rasio Pemenuhan Kecukupan Modal
Minimum (%)
Return On Assets Ratio (%)
Operating Expenses/Operating Income (%) Rasio Modal Inti terhadap ATMR (%)
ROA (%)
2013
Tabel 1.25.a. Kinerja BUSN Non Devisa Konvensional (Non-Foreign Exchange Commercial Banks Performance)
Miliar Rp (Billion Rp)
2012 2015
2016
88
Jan Feb Mar Apr Mei Jun Jul Ags Sep Okt Nov 18,02
17,58 17,79 20,61 20,85 20,90 20,06 19,98 19,40 19,67 19,96 20,60 20,12 20,21 20,53 - Modal 35.198 40.343 46.922 57.254 59.231 59.312 58.033 58.414 57.656 58.997 60.333 63.770 60.312 60.583 61.720 -Capital
- ATMR 195.318 229.459 263.682 277.858 284.094 283.772 289.253 292.297 297.181 299.873 302.221 309.606 299.774 299.726 300.561 -Risk Weighted Assets
16,66
16,33 16,55 18,56 18,76 18,83 17,99 17,85 17,26 17,51 17,61 18,32 18,76 18,90 19,17
- Modal Inti (Tier I) 32.531 37.474 43.630 51.569 53.303 53.427 52.042 52.175 51.303 52.516 53.209 56.717 56.235 56.644 57.632 -Core Capital (Tier I)
- ATMR 195.318 229.459 263.682 277.858 284.094 283.772 289.253 292.297 297.181 299.873 302.221 309.606 299.774 299.726 300.561 -Risk Weighted Assets
2,90
3,18 2,68 2,40 2,83 2,81 3,11 2,85 2,89 2,86 2,86 2,75 2,70 2,65 2,68 - Laba sebelum pajak 10.462 12.686 11.723 12.390 14.232 14.216 15.969 14.877 15.297 15.214 15.310 14.904 14.123 13.874 14.058 -Profit
- Rata-rata total aset 361.101 399.075 437.155 516.788 503.373 505.332 513.988 522.797 529.874 531.512 534.380 541.702 522.594 523.397 523.606 -Average total assets
BOPO (%) 75,29 73,49 78,08 79,57 75,98 75,08 73,41 75,40 75,15 75,61 75,38 76,40 76,77 77,19 76,88
- Biaya Operasional 31.470 34.438 41.363 47.802 3.747 7.266 10.991 15.201 19.206 23.583 27.422 32.142 35.046 39.217 42.946 -Operating Expenses
- Pendapatan Operasional 41.797 46.864 52.973 60.078 4.931 9.678 14.972 20.160 25.558 31.192 36.378 42.070 45.650 50.805 55.863 -Operating Income
NIM (%) 6,70 7,04 6,65 6,66 7,10 7,08 7,03 6,96 6,99 7,04 7,00 6,96 6,97 6,98 7,00
- Pendapatan bunga bersih 22.856 27.891 29.593 32.707 34.080 34.153 34.549 34.868 35.526 35.768 35.747 35.966 34.750 34.877 34.988 -Interest income net
- Rata-rata total aset produktif 341.257 396.439 444.769 491.269 479.911 482.705 491.670 500.900 507.971 508.033 510.436 516.765 498.817 499.437 499.479 -Average total earning assets
LDR (%) 78,57 92,34 89,73 92,19 80,81 79,72 75,89 73,48 73,70 80,37 77,13 79,11 81,20 81,43 83,56 -Total Kredit kepada pihak ketiga bukan
Bank 218.851 265.661 301.456 328.759 323.651 325.885 328.190 332.653 338.385 344.896 344.901 351.757 342.870 344.047 345.294 -Total Credit to third party - Total Dana Pihak Ketiga 278.535 287.709 335.957 356.600 400.485 408.777 432.437 452.727 459.158 429.136 447.149 444.638 422.255 422.505 413.241 -Total Third Party Funds
Rasio Aset Likuid (%) 22,93 18,19 18,38 15,72 21,46 20,23 22,82 22,87 22,50 22,53 20,17 20,24 21,30 20,85 19,25
- Aset Likuid Primer 80.457 63.091 72.996 63.680 97.039 91.842 109.870 113.767 115.401 112.503 101.499 102.264 104.233 101.686 92.111 -Aset Likuid Primer
- Aset Likuid Sekunder 3.626 7.858 8.015 11.086 10.976 10.770 11.374 11.818 10.203 9.072 9.770 9.980 9.498 8.952 9.099 -Aset Likuid Sekunder
- Total Aset 366.684 389.964 440.691 475.696 503.373 507.291 531.301 549.223 558.180 539.706 551.585 554.525 534.013 530.625 525.698 -Total Assets Ket: Data tidak termasuk BUS
2013 Items
Net Interest Margin Ratio (%) Core Capital Ratio to ATMR (%)
Tabel 1.26.a. Kinerja BPD Konvensional (Regional Development Banks Performance)
Miliar Rp (Billion Rp)
Rasio Pemenuhan Kecukupan Modal Minimum (%)
Rasio Modal Inti terhadap ATMR (%)
2014
Liquid Assets Ratio (%) Keterangan
Operating Expenses/Operating Income (%) Capital Adequacy Ratio (%)
Loan to Deposits Ratio (%) Return On Assets Ratio (%) ROA (%)
2012 2015
2016
89
Jan Feb Mar Apr Mei Jun Jul Ags Sep Okt Nov 18,65
19,86 19,14 20,39 20,37 20,74 20,79 21,04 20,86 21,27 21,36 21,70 21,42 21,60 21,10 - Modal 30.770 43.832 47.767 53.463 56.424 56.903 55.805 56.320 56.753 56.877 57.195 58.131 58.148 58.380 58.466 -Capital
- ATMR 164.956 220.744 249.533 262.156 277.044 274.410 268.465 267.627 272.042 267.375 267.782 267.839 271.426 270.239 277.032 -Risk Weighted Assets 16,52
16,78 16,44 16,01 16,10 16,53 16,52 16,80 16,56 17,02 17,14 17,45 17,26 17,43 16,89
- Modal Inti (Tier I) 27.253 37.034 41.030 41.968 44.607 45.351 44.362 44.952 45.064 45.505 45.892 46.741 46.858 47.110 46.780 -Core Capital (Tier I)
- ATMR 164.956 220.744 249.533 262.156 277.044 274.410 268.465 267.627 272.042 267.375 267.782 267.839 271.426 270.239 277.032 -Risk Weighted Assets
2,24
2,39 2,11 1,01 1,89 1,56 0,96 1,14 1,19 1,17 1,27 1,29 1,32 1,37 1,39 - Laba sebelum pajak 4.479 5.922 6.171 3.453 6.890 5.676 3.493 4.125 4.290 4.188 4.538 4.602 4.692 4.870 4.967 -Profit
- Rata-rata total aset 200.343 247.500 292.029 341.931 365.287 364.484 362.111 360.819 359.904 358.542 357.155 356.195 355.525 355.423 356.618 -Average total assets
BOPO (%) 77,86 79,23 78,49 87,55 85,31 88,17 93,81 91,98 91,19 91,96 90,75 90,19 89,78 87,79 88,19
- Biaya Operasional 15.179 20.899 24.353 28.741 3.525 6.457 11.196 13.499 15.736 19.350 22.042 24.365 27.099 25.735 30.464 -Operating Expenses
- Pendapatan Operasional 19.494 26.378 31.028 32.828 4.132 7.323 11.934 14.676 17.256 21.042 24.289 27.014 30.183 29.316 34.542 -Operating Income
NIM (%) 3,63 3,00 2,40 3,38 3,62 3,51 3,54 3,51 3,58 3,59 3,63 3,65 3,64 3,65 3,63
- Pendapatan bunga bersih 7.163 8.568 10.478 11.290 12.908 12.528 12.577 12.454 12.673 12.670 12.750 12.813 12.766 12.794 12.765 -Interest income net
- Rata-rata total aset produktif 197.239 285.548 437.111 333.773 356.687 356.544 355.401 354.852 354.125 352.920 351.689 350.790 350.232 350.151 351.377 -Average total earning assets
LDR (%) 115,63 122,20 123,61 132,77 127,22 123,43 122,74 122,94 126,56 125,64 123,21 120,09 132,57 126,97 125,27 -Total Kredit kepada pihak ketiga bukan
Bank 150.061 199.872 221.383 230.993 240.482 240.994 237.708 236.388 241.655 238.858 236.209 235.000 243.422 239.656 248.384 -Total Credit to third party - Total Dana Pihak Ketiga 129.772 163.557 179.104 173.985 189.035 195.253 193.670 192.276 190.948 190.106 191.704 195.685 183.619 188.747 198.284 -Total Third Party Funds
Rasio Aset Likuid (%) 15,39 13,79 13,33 15,92 16,97 17,29 17,68 17,96 16,02 15,77 16,84 17,01 14,06 17,11 17,12
- Aset Likuid Primer 29.856 36.402 34.099 44.406 51.289 49.381 50.092 50.912 45.170 43.778 45.124 45.132 35.175 47.547 50.538 -Aset Likuid Primer
- Aset Likuid Sekunder 3.334 3.299 8.572 10.346 10.691 13.512 13.107 13.210 11.886 11.691 13.630 14.316 14.042 13.119 12.574 -Aset Likuid Sekunder
- Total Aset 215.621 287.902 320.067 343.845 365.287 363.682 357.363 356.946 356.241 351.731 348.838 349.473 350.163 354.502 368.572 -Total Assets Ket: Data tidak termasuk BUS
Return On Assets Ratio (%) Rasio Modal Inti terhadap ATMR (%)
2014
Loan to Deposits Ratio (%) Capital Adequacy Ratio (%) 2013
Keterangan Rasio Pemenuhan Kecukupan Modal Minimum (%)
Tabel 1.27.a. Kinerja Bank Campuran Konvensional (Joint Venture Banks Performance)
Miliar Rp (Billion Rp)
Items 2012
Net Interest Margin Ratio (%) ROA (%)
Liquid Assets Ratio (%) Core Capital Ratio to ATMR (%)
Operating Expenses/Operating Income (%) 2016
2015
90
Jan Feb Mar Apr Mei Jun Jul Ags Sep Okt Nov 30,89
34,46 44,81 46,46 47,59 47,37 47,46 44,05 48,92 46,97 47,78 49,13 48,84 48,40 48,28 - Modal 73.091 106.216 151.336 164.452 170.202 166.555 164.479 151.638 171.439 164.983 166.375 168.427 166.064 165.578 167.578 -Capital
- ATMR 236.592 308.209 337.709 353.957 357.623 351.611 346.532 344.247 350.469 351.223 348.204 342.794 340.034 342.131 347.061 -Risk Weighted Assets
29,91
33,49 44,03 46,93 46,67 46,44 46,54 43,12 47,97 46,05 46,83 48,19 47,89 47,45 47,34
- Modal Inti (Tier I) 70.771 103.220 148.681 166.105 166.890 163.294 161.271 148.439 168.136 161.736 163.059 165.178 162.845 162.331 164.309 -Core Capital (Tier I)
- ATMR 236.592 308.209 337.709 353.957 357.623 351.611 346.532 344.247 350.469 351.223 348.204 342.794 340.034 342.131 347.061 -Risk Weighted Assets
3,06
2,92 3,08 1,68 2,93 2,58 3,28 3,01 2,74 2,92 3,01 2,94 2,96 3,01 2,72 - Laba sebelum pajak 8.837 10.003 12.626 8.140 14.173 12.532 15.817 14.472 13.141 14.038 14.424 14.121 14.197 14.417 13.048 -Profit
- Rata-rata total aset 288.751 342.766 410.520 483.597 483.139 485.083 482.973 480.241 480.359 480.074 479.716 480.223 480.045 479.522 479.940 -Average total assets
BOPO (%) 80,78 83,06 79,30 92,69 92,02 91,69 88,78 88,28 88,42 88,07 86,98 87,52 87,82 87,02 87,63
- Biaya Operasional 32.856 43.697 44.727 95.307 12.868 21.886 30.072 34.721 39.373 48.938 53.092 62.151 72.321 76.052 79.373 -Operating Expenses
- Pendapatan Operasional 40.672 52.606 56.405 102.827 13.984 23.870 33.871 39.333 44.529 55.568 61.037 71.017 82.356 87.394 90.572 -Operating Income
NIM (%) 3,47 2,65 2,12 3,59 4,08 3,76 3,89 3,89 3,93 3,90 3,91 3,90 3,89 3,88 3,88
- Pendapatan bunga bersih 9.790 11.104 14.814 16.626 19.126 17.737 18.264 18.130 18.336 18.203 18.240 18.203 18.130 18.102 18.094 -Interest income net
- Rata-rata total aset produktif 282.108 419.302 700.125 463.317 468.814 471.463 469.006 466.179 467.023 466.377 465.957 466.721 466.559 466.173 466.412 -Average total earning assets
LDR (%) 111,21 130,05 140,04 131,49 128,19 119,18 122,12 121,57 121,91 124,46 122,72 115,65 122,74 119,69 121,64 -Total Kredit kepada pihak ketiga bukan
Bank 172.859 225.500 244.031 249.952 248.364 242.248 243.239 241.373 245.377 248.995 248.031 243.146 244.491 243.563 245.646 -Total Credit to third party - Total Dana Pihak Ketiga 155.430 173.395 174.261 190.098 193.751 203.264 199.181 198.552 201.279 200.063 202.110 210.240 199.193 203.490 201.946 -Total Third Party Funds
Rasio Aset Likuid (%) 22,30 19,88 19,89 25,21 27,87 29,68 28,36 28,84 29,68 28,14 28,38 31,29 29,66 30,10 29,97
- Aset Likuid Primer 52.599 55.132 54.969 80.725 96.390 99.002 88.852 92.118 97.804 85.590 91.818 105.322 94.955 92.426 89.665 -Aset Likuid Primer
- Aset Likuid Sekunder 14.754 22.464 31.089 38.590 38.239 45.529 46.902 44.029 44.906 49.077 43.734 46.063 47.004 50.474 55.408 -Aset Likuid Sekunder
- Total Aset 301.966 390.415 432.582 473.336 483.139 487.026 478.752 472.046 480.833 478.646 477.567 483.772 478.620 474.822 484.119 -Total Assets Ket: Data tidak termasuk BUS
Liquid Assets Ratio (%) Core Capital Ratio to ATMR (%)
Loan to Deposits Ratio (%) Net Interest Margin Ratio (%)
2012 2013
Return On Assets Ratio (%) Capital Adequacy Ratio (%)
Operating Expenses/Operating Income (%)
Tabel 1.28.a. Kinerja Bank Asing Konvensional (Foreign Owned Banks Performance)
Miliar Rp (Billion Rp)
Rasio Pemenuhan Kecukupan Modal Minimum (%)
ROA (%)
Keterangan Items
Rasio Modal Inti terhadap ATMR (%)
2014
2016 2015
91
Jan Feb Mar Apr Mei Jun Jul Ags Sep Okt Nov
- Bank Persero 1.328.168 1.535.343 1.758.873 2.076.605 2.313.316 2.255.480 2.271.724 2.296.310 2.300.341 2.311.884 2.428.159 2.390.428 2.399.901 2.487.925 2.487.086 2.548.455 - State Owned Banks
- BUSN Devisa 1.464.007 1.705.408 1.962.539 2.200.142 2.363.516 2.448.005 2.448.738 2.460.125 2.458.080 2.488.587 2.512.883 2.534.806 2.553.411 2.552.532 2.550.562 2.590.167 - Foreign Exchange Commercial Banks
- BUSN Non Devisa 107.085 135.472 162.457 186.817 193.149 91.660 92.386 95.257 95.616 97.286 100.829 93.758 88.901 89.187 89.533 93.133 - Non-Foreign Exchange Commercial Banks
- BPD 304.003 366.685 389.964 440.691 475.696 503.373 507.291 531.301 549.223 558.180 539.706 551.585 554.525 554.140 550.842 546.891 - Regional Development Banks
- Bank Campuran 181.088 217.713 290.219 278.312 313.570 314.252 312.197 306.437 305.669 306.343 302.489 301.444 302.141 303.275 307.562 319.097 - Joint Venture Banks
- Bank Asing 268.482 301.966 390.415 432.582 473.336 483.139 487.026 478.752 472.046 480.833 478.646 477.567 483.772 478.620 474.822 484.119 - Foreign Owned Banks
Total 3.652.832 4.262.587 4.954.467 5.615.150 6.132.583 6.095.908 6.119.362 6.168.182 6.180.975 6.243.113 6.362.713 6.349.589 6.382.650 6.465.680 6.460.408 6.581.861 - Total
r) Revised figures r) Angka-angka diperbaiki
Tabel 1.29.a. Perkembangan Aset Bank Umum Berdasarkan Kelompok Bank (Growth of Commercial Banks Assets Based Group Bank)
Miliar Rp (Billion Rp)
Kelompok Bank 2011 2012 2013 2014 Group of Bank
2016 2015