Funding
Bank Riau Kepri is aware that customers are increasingly selective in using banking products and services so that the products and services offered continue to pay attention to customer satisfaction factors. Bank Riau Kepri continues to innovate by developing products and services and adding product features so that the various products offered can provide solutions for the customer.
Demand Deposit
Demand Deposits are deposits of third party funds that can be withdrawn at any time by using a check/bilyet giro, other means of payment orders or by transfer. A description of the growth in customer deposits from current accounts is illustrated in the table below:
Tabel Jumlah Dana Giro Table of Amount of Demand Deposit Funds
Dana Giro 2020 2019
Pertumbuhan
Growth Current Fund
Nominal %
1 2 3 4 = 2-3 5 = 4/3 6
Giro Rupiah 3.372.507 3.633.368 (260.861) (7,18%) Rupiah Giro
Giro Valas 12.594 15.396 (2.802) (18,20%) Foreign Currency Giro
Jumlah 3.385.101 3.648.764 (263.663) (7,23%) Total
(dalam jutaan Rupiah) (in million rupiah)
Jumlah dana giro tahun 2020 sebesar Rp3,39 triliun, menurun 7,23% atau Rp263,66 miliar dibandingkan dengan tahun 2019 yang sebesar Rp3,65 triliun.
The number of demand deposits in 2020 amounted to IDR 3.39 trillion, a decrease of 7,23% or IDR 248.27 billion compared to 2019 which amounted to IDR 3.63 trillion.
Tabel Jumlah Nasabah Giro Number of Current Account Customers Table
Dana Giro 2020 2019
Pertumbuhan
Growth Current Fund
Nominal %
1 2 3 4 = 2-3 5 = 4/3 6
Giro Rupiah 38.673 37.629 1.044 2,77% Rupiah Giro
Giro Valas 366 362 4 1,10% Foreign Currency Giro
Jumlah 39.039 37.991 1.048 2,76% Total
Walaupun giro tahun 2020 menurun jika dibandingkan dengan posisi Desember 2019, akan tetapi jumlah nasabah giro tahun 2020 sebanyak 39.039 nasabah, mengalami peningkatan sebesar 2,76% atau 1.048 nasabah dibandingkan dengan tahun 2019 yang sebanyak 37.991 nasabah.
Although current accounts in 2020 decreased compared to the position in December 2019, the number of current account customers in 2020 was 39,039, an increase of 2.76% or 1,048 customers compared to 2019, which amounted to 37,991 customers.
Tingkat Suku Bunga Giro
Informasi mengenai tingkat suku bunga giro disajikan sebagai berikut.
Current Interest Rate
Information regarding current interest rates is presented as follows.
Tabel Suku Bunga Giro Per Desember 2020 Interest Rate Table Giro Per December 2020 Table
Giro Saldo Suku Bunga
Interest Rate Balance
Giro
< Rp5 juta 0,00% <IDR 5 million
> Rp5 juta – Rp100 juta 0,20% > IDR 5 million - IDR 100 million
> Rp100 juta – Rp500 juta 0,45% > IDR 100 million - IDR 500 million
> Rp500 juta – Rp1 miliar 1,00% > IDR 500 million - IDR 1 billion
≥ Rp1 miliar 2,00% ≥ IDR 1 billion
(dalam %) (in %)
Tabungan
Tabungan adalah simpanan dana pihak ketiga atas nama pribadi/perorangan maupun badan hukum yang penarikannya dapat dilakukan dengan persyaratan tertentu.
Uraian mengenai pertumbuhan simpanan nasabah dari produk tabungan, tergambar pada tabel di bawah ini:
Savings
Savings are deposits of third party funds on behalf of individuals/individuals or legal entities whose withdrawals can be made with certain conditions.
A description of the growth in customer deposits from savings products is illustrated in the table below
Tabel Jumlah Dana Tabungan Total Savings Fund Table
Tabungan 2020 2019
Pertumbuhan
Growth Savings
Nominal %
1 2 3 4 = 2-3 5 = 4/3 6
Tabungan Simpeda 617.633 729.084 (111.451) (15,29%) Simpeda savings
Tabungan Simpeda UKM 66.245 - 66.245 100,00% UKM Simpeda Savings
Tabungan Sinar 2.828.404 2.865.083 (36.679) (1,28%) Sinar Savings
Tabungan Sinar Belia 46.349 46.400 (51) (0,11%) Sinar Belia Savings
Tabungan Sinar Belia BSM 193 - 193 100,00% Sinar Belia BSM Savings
Tabungan Sinar Delima 342.719 291.769 50.950 17,46% Sinar Delima Savings
Tabungan Sinar Pegawai 2.067 2.717 (650) (23,91%) Sinar Pegawai Savings
Tabungan Sinar KPE 1.078.838 1.015.399 63.439 6,25% Sinar KPE Savings
Tabungan Sinar Community 1.429 1.243 186 14,98% Sinar Community Savings
Tabungan Sinar DBOS 40.107 94.854 (54.747) (57,72%) Sinar DBOS Savings
Tabungan Sinar Pendidikan 24.521 24.158 363 1,50% Sinar Pendidikan Savings
Tabungan Dhuha 3.574 3.815 (241) (6,31%) Dhuha savings
Tabungan Simpel 18.161 19.976 (1.815) (9,08%) Simple Savings
Tabungan Sinar Laku Pandai 2.916 1.657 1.259 75,99% Sinar Laku Pandai Savings
Tabungan Sinar Prioritas 30.881 - 30.881 100,00% Sinar Prioritas Savings
Tabunganku 33.938 31.554 2.384 7,56% Tabunganku
Jumlah 5.137.975 5.127.709 10.266 0,20% Total
(dalam jutaan Rupiah) (in million rupiah)
Jumlah dana tabungan tahun 2020 sebesar Rp5,14 triliun, meningkat 0,20% atau Rp10,27 miliar dibandingkan dengan tahun 2019 yang sebesar Rp5,13 triliun. Peningkatan tersebut terutama berasal dari pertumbuhan tabungan Simpeda UKM sebesar Rp66,25 miliar dan tabungan Sinar KPE sebesar Rp63,45 miliar.
The amount of savings funds in 2020 amounted to IDR 5.14 trillion, an increase of 0.20% or IDR 10.27 billion compared to 2019 which amounted to IDR 5.13 trillion.
This increase was mainly derived from the growth of Simpeda UKM savings of IDR.66.25 billion and Sinar KPE savings of IDR.63.45 billion.
Jumlah nasabah dana tabungan tahun 2020 sebanyak 731.295 nasabah, sedikit mengalami penurunan sebesar 3,12% atau 23.518 nasabah dibandingkan dengan tahun 2019 yang sebanyak 754.813 nasabah.
Hal tersebut terutama dipengaruhi dari turunnya jumlah nasabah dari Tabunganku, Tabungan Simpeda dan Tabungan Sinar di tahun 2020.
Tingkat Suku Bunga Tabungan
Di samping promosi, Bank Riau Kepri memberikan bunga yang menarik untuk masing-masing produk tabungan. Tingkat suku bunga untuk beberapa jenis produk tabungan yang berlaku pada tahun 2020 sebagaimana di bawah ini.
The number of savings fund customers in 2020 was 731,295, a slight decrease of 3.12% or 23,518 customers compared to 2019 which amounted to 754,813 customers. This was mainly influenced by the decline in the number of customers from Tabunganku, Simpeda, and Sinar Savings in 2020.
Savings Interest Rate
in addition to promotions, Bank Riau Kepri provides attractive interest rates for each of the savings products.
The interest rates for several types of savings products that apply in 2020 are as follows.
Tabel Jumlah Nasabah Tabungan Table of Total Savings Customer
Tabungan 2020 2019
Pertumbuhan
Growth Savings
Nominal %
1 2 3 4 = 2-3 5 = 4/3 6
Tabungan Simpeda 41.393 48.611 (7.218) (14,85%) Tabungan Simpeda
Tabungan Simpeda UKM 2.465 - 2.465 100,00% Tabungan Simpeda UKM
Tabungan Sinar 466.324 471.892 (5.568) (1,18%) Tabungan Sinar
Tabungan Sinar Belia 27.128 31.940 (4.812) (15,07%) Tabungan Sinar Belia
Tabungan Sinar Belia BSM 456 - 456 100,00% Tabungan Sinar Belia BSM
Tabungan Sinar Delima 6.963 6.320 643 10,17% Tabungan Sinar Delima
Tabungan Sinar Pegawai 2.203 2.462 (259) (10,52%) Tabungan Sinar Pegawai
Tabungan Sinar KPE 80.114 82.257 (2.143) (2,61%) Tabungan Sinar KPE
Tabungan Sinar Community 275 306 (31) (10,13%) Tabungan Sinar Community
Tabungan Sinar DBOS 9.550 8.675 875 10,09% Tabungan Sinar DBOS
Tabungan Sinar Pendidikan 3.077 3.250 (173) (5,32%) Tabungan Sinar Pendidikan
Tabungan Dhuha 5.114 5.164 (50) (0,97%) Tabungan Dhuha
Tabungan Simpel 49.614 53.929 (4.315) (8,00%) Tabungan Simpel
Tabungan Sinar Laku Pandai 11.585 5.793 5.792 99,98% Tabungan Sinar Laku Pandai
Tabungan Sinar Prioritas 52 - 52 100,00% Tabungan Sinar Prioritas
Tabunganku 24.982 34.214 (9.232) (26,98%) Tabunganku
Jumlah 731.295 754.813 (23.518) (3,12%) Total
Deposito
Produk ini merupakan simpanan dana pihak ketiga yang penarikannya hanya dapat dilakukan pada jangka waktu tertentu berdasarkan perjanjian yang telah disepakati dan diperuntukkan bagi perorangan maupun badan usaha yang berbentuk badan hukum.
Deposit
This product is a third party fund deposit, which can only be withdrawn for a certain period based on an agreed agreement and is intended for individuals and business entities in the form of legal entities.
Tabel Suku Bunga Tabungan Per Desember 2020 Table of Savings Interest Rates as of December 2020
Jenis Tabungan
Types of Savings Saldo Suku Bunga
Interest Rate Balance
Tabungan Simpeda dan
Tabungan Sinar < Rp1 juta 0,00% <IDR 1 million
> Rp1 juta - Rp50 juta 0,30% > IDR 1 million - IDR 50 million
> Rp50 juta - Rp100 juta 0,75% > IDR 50 million - IDR 100 million
> Rp100 juta - Rp500 juta 0,10% > IDR 100 million - IDR 500 million
> Rp500 juta 1,50% > IDR 500 million
Tabingan Sinar Delima ≤ Rp10 juta 0,00% ≤ IDR 10 million
> Rp10 juta - Rp50 juta 1,25% > IDR 10 million - IDR 50 million
> Rp50 juta - Rp100 juta 2,25% > IDR 50 million - IDR 100 million
> Rp500 juta 4,25% > IDR 500 million
Tabungan Sinar kartu PNS Elektronik (KPE)
≤ Rp10 juta 0,00% ≤ IDR 10 million
> Rp10 juta - Rp50 juta 0,50% > IDR 10 million - IDR 50 million
> Rp50 juta 1,50% > IDR 50 million
Tabungan Sinar Belia ≤ Rp5 juta 1,00% ≤ IDR 5 million
> Rp5 juta 2,00% > IDR 5 million
Tabungan Sinar DBOS ≤ Rp5 juta 0,00% ≤ IDR 5 million
> Rp5 juta 0,50% > IDR 5 million
Tabungan Sinar Pendidikan ≤ Rp20 juta 2,50% ≤ IDR 20 million
> Rp20 juta - Rp50 juta 3,00% > IDR 20 million - IDR 50 million
> Rp50 juta - Rp100 juta 3,50% > IDR 50 million - IDR 100 million
> Rp100 juta – Rp500 juta 4,00% > IDR 100 million - IDR 500 million
> Rp500 juta 5,00% > IDR 500 million
Tabungan Sinar Community 2,5% p.a
Tabungan Sinar Pegawai 2,0% p.a
Tabunganku ≤ Rp500 ribu 0,00% ≤ IDR 500 thousand
> Rp500 ribu - Rp1 juta 0,25% > IDR 500 thousand - IDR 1 million
> Rp1 juta 1,00% > IDR 1 million
(dalam %) (in %)
Tabel Jumlah Dana Deposito Total Deposit Funds Table
Dana Deposito 2020 2019 Pertumbuhan
Deposit Funds
Nominal %
1 2 3 4 = 2-3 5 = 4/3 6
Deposito Rupiah 10.024.677 8.928.406 1.096.271 12,28% Rupiah Deposit
Deposito Valas 88.392 4.484 83.908 1871,27% Foreign Currency Deposit
Jumlah 10.113.069 8.932.890 1.180.179 13,21% Total
(dalam jutaan Rupiah) (in million rupiah)
Jumlah dana deposito tahun 2020 sebesar Rp10,11 triliun, meningkat 13,21% atau Rp1,18 triliun dibandingkan dengan tahun 2019 yang sebesar Rp8,93 triliun. Peningkatan tersebut sejalan dengan kenaikan nasabah deposito.
The number of deposit funds in 2020 amounted to IDR.10.11 trillion, an increase of 13.21% or Rp1.18 trillion compared to 2019 which amounted to IDR.8.93 trillion.
This increase is in line with the increase in time deposit customers.
Jumlah nasabah deposito tahun 2020 sebanyak 9.777 nasabah, mengalami peningkatan sebesar 2,22% atau 212 nasabah dibandingkan dengan tahun 2019 yang sebanyak 9.565 nasabah.
Tingkat Suku Bunga Deposito
Untuk meningkatkan pertumbuhan dana simpanan nasabah dari produk deposito, Bank Riau Kepri menawarkan beberapa pilihan deposito sesuai jangka waktunya dengan suku bunga bersaing, dapat diperpanjang secara otomatis sesuai konfirmasi awal.
Keunggulan deposito berjangka dapat dipergunakan sebagai jaminan kredit. Tingkat suku bunga untuk beberapa jenis produk deposito yang berlaku pada tahun 2020 sebagaimana di bawah ini.
The number of time deposit customers in 2020 was 9.777, an increase of 2.22% or 212 customers compared to 2019 which amounted to 9,565 customers.
Deposit Interest Rate
to increase the growth of customer deposits from time deposits products, Bank Riau Kepri offers several deposit options according to the term with competitive interest rates, which can be extended automatically according to initial confirmation. The advantages of time deposits can be used as credit collateral. The interest rates for several types of deposit products that apply in 2020 are as follows.
Nasabah Deposito 2020 2019 Pertumbuhan
Growth Time Deposit Customers
Nominal %
1 2 3 (4= 2-3) 5 = 4/3 6
Deposito Rupiah 9.739 9.526 213 2,24% Rupiah Deposit
Deposito Valas 38 39 1 (2,56%) Foreign Currency Deposit
Jumlah 9.777 9.565 212 2,22% Total
Tabel Jumlah Nasabah Deposito Total Time Deposit Customers Table
Tabel Suku Bunga Deposito Per Desember 2020 Table of Deposit Interest Rates as of December 2020
Jangka Waktu Suku Bunga
Interest rate Time Period
1 Bulan 4,25% 1 month
3 Bulan 4,50% 3 months
6 Bulan 4,50% 6 months
12 Bulan 4,50% 12 months
24 Bulan 4,50% 24 Months
(dalam %) (in %)