< Rp.
1
Jan Feb Mar Apr Mei Jun Jul Ags Sep Okt Nov
Aset Produktif Neraca 2.878.450 3.416.989 4.115.372 4.531.435 5.002.520 5.041.288 5.056.358 5.159.822 5.203.610 5.272.125 5.279.923 5.343.958 5.357.939 5.384.843 5.395.739 5.478.457 Earning Assets a. Lancar 2.745.968 3.250.997 3.929.648 4.308.971 4.719.729 4.712.760 4.714.601 4.833.904 4.857.861 4.932.288 4.945.369 4.991.412 5.013.023 5.043.386 5.055.707 5.137.801 a. Current b. DPK 81.809 110.176 124.978 143.405 183.815 222.422 230.994 215.773 231.527 216.754 210.830 223.985 214.589 213.394 206.996 207.274 b. Special Mention c. Kurang Lancar 6.790 9.189 9.481 12.864 18.446 20.277 20.005 17.564 19.687 23.140 23.010 22.503 22.983 24.839 26.330 25.270 c. Sub-Standard d. Diragukan 7.913 9.515 9.132 14.395 12.754 14.785 15.574 17.583 16.633 17.315 21.241 21.815 18.761 15.170 17.190 17.649 d. Doubtful
e. Macet 35.970 37.113 42.131 51.799 67.775 71.044 75.184 74.999 77.902 82.628 79.473 84.242 88.584 88.054 89.517 90.462 e. Loss Aset Produktif Transaksi
Rekening Administratif 1)
549.678 1.066.117 1.331.086 1.441.570 1.586.820 1.600.451 1.574.854 1.570.405 1.572.650 1.598.780 1.562.604 1.584.288 1.617.209 1.630.899 1.668.355 1.695.729 Earning Assets - Account Administrative Transactions 1) a. Lancar 543.128 1.053.796 1.308.578 1.422.274 1.560.089 1.572.898 1.538.521 1.543.055 1.545.557 1.570.220 1.537.765 1.558.514 1.590.941 1.604.069 1.641.637 1.667.753 a. Current
b. DPK 6.130 11.337 21.134 16.207 23.182 23.590 32.428 23.591 22.565 23.264 20.346 21.817 21.824 22.573 22.392 23.071 b. Special Mention c. Kurang Lancar 244 662 404 1.986 1.731 2.213 2.238 2.004 2.698 3.166 2.537 2.215 3.038 2.936 3.019 3.400 c. Sub-Standard d. Diragukan 54 141 270 402 248 312 352 514 577 652 569 357 321 317 306 309 d. Doubtful
e. Macet 123 181 699 701 1.570 1.437 1.315 1.241 1.253 1.479 1.388 1.385 1.084 1.005 1.001 1.196 e. Lost Non Performing Earning Aset
(Nominal) 51.094 60.345 68.947 82.148 102.525 110.068 114.669 113.904 118.750 128.379 128.217 132.518 134.771 132.321 137.362 138.286 Non Performing Earning Asset (Nominal)
Kredit kepada Bank Lain 16.444 17.812 26.968 32.192 34.200 31.469 30.182 29.476 29.223 29.688 31.906 30.753 30.603 31.427 30.441 29.968 Interbank Loans a. Lancar 16.329 17.668 26.859 32.089 34.099 31.270 30.022 29.347 29.063 29.535 31.777 30.573 30.485 31.292 30.319 29.841 a. Current b. DPK 13 64 7 11 16 111 59 18 49 39 19 61 4 27 21 31 b. Special Mention c. Kurang Lancar 0 - 1 9 - 0 - - 4 3 - 12 8 8 8 - c. Sub-Standard d. Diragukan 1 - - 0 - - 0 0 - 5 6 3 3 3 - - d. Doubtful e. Macet 102 80 101 84 85 88 101 111 107 106 104 105 103 97 93 95 e. Loss
Non Performing Loan kepada
Bank Lain (Nominal) 102 80 102 93 85 88 101 111 111 114 110 119 114 108 101 95 Interbank Non Performing Loan (Nominal)
Tabel 1.31.a. Aset Produktif Bank Umum Konvensional dan Kualitas Kredit Bank Umum kepada Bank Lain (Earning Assets of Commercial Banks and Credit Quality of Commercial Banks to Other Bank)
Miliar Rp (Billion Rp)
Indicator
Indikator 2011 2012 2013 2014 2016
2015
1) - There is a correction in January 2011 until March 2013 where numbers on the arning assets - account administrative transactions and the numbers of Non Performing Assets earning who has published is a number of earning assets as a credit.
- Since the period of April 2013, numbers on the Earning Assets - Acoount administrative transactions is commited and contingent liabilities that include issuance of guarantees, letters of credit, standby letters of credit, unused borrowing, and/or other commited and contengent liabilities, so the number of Non Performing Earning assets is the total of non-performing earning assets on the balance sheet and non-performing earning assets on the account administrative transactions - There is a correction in the period October 2012 s.d. January 2014, which is based on PBI No.14/15/PBI/2012 Commercial Bank Asset Quality Rating for the numbers on Earning Assets Balance Sheet (TRA) TRA has covers that are committed (which does not meet the criteria as uncommitted) and uncommitted (giving facilities are in agreement contains a clause that the Bank may cancel or do not meet the conditions or facilities for some reason) - Since the period of February 2014 is the number at the TRA commitments and contingent liabilities which include the issuance of guarantee letters of credit, standby letters of credit, undrawn credit facilities (committed and uncommitted), and / or other contingent liabilities and commitments, so the numbers non-Performing assets Earning is the total of non-performing assets on the balance sheet and earnings of non-performing assets in the TRA.
1) - Terdapat koreksi pada periode Januari 2011 s.d Maret 2013 dimana angka pada Aset Produktif Transaksi Rekening Administratif (TRA) dan angka pada Non Performing Earning Aset yang telah dipublikasikan merupakan angka aset produktif pada neraca dalam bentuk kredit.
- Sejak periode April 2013 angka pada TRA adalah kewajiban komitmen dan kontijensi yang antara lain meliputi penerbitan jaminan letter of credit, standby letter of credit, fasilitas kredit yang belum ditarik, dan/atau kewajiban komitmen dan kontijensi lain, sehingga angka Non Performing Earning Aset adalah total dari non performing aset pada neraca dan non performing earning aset pada TRA.
- Terdapat koreksi pada periode Oktober 2012 s.d. Januari 2014, yaitu berdasarkan PBI No.14/15/PBI/2012 tentang Penilaian Kualitas Aset Bank Umum maka angka pada Aset Produktif Transaksi Rekening Administratif (TRA) telah mencakup TRA yang bersifat committed (yang tidak memenuhi kriteria sebagai uncommitted) dan uncommitted (pemberian fasilitas yang dalam perjanjiannya memuat klausula bahwa Bank dapat membatalkan atau tidak memenuhi fasilitas karena kondisi atau alasan tertentu)
- Sejak periode Februari 2014 angka pada TRA adalah kewajiban komitmen dan kontijensi yang antara lain meliputi penerbitan jaminan letter of credit, standby letter of credit, fasilitas kredit yang belum ditarik (committed dan uncommitted), dan/atau kewajiban komitmen dan kontijensi lain, sehingga angka Non Performing Earning Aset adalah total dari non performing aset pada neraca dan non performing earning aset pada TRA.
94
Jan Feb Mar Apr Mei Jun Jul Ags Sep Okt Nov
Aset Produktif Neraca 1.065.942 1.260.415 1.511.620 1.719.355 1.960.362 1.952.649 1.959.627 1.998.903 2.009.762 2.035.282 2.082.897 2.090.561 2.079.577 2.143.465 2.159.433 2.212.267 Earning Assets a. Lancar 1.002.233 1.176.286 1.423.606 1.618.156 1.846.369 1.816.931 1.811.157 1.862.032 1.865.847 1.892.250 1.937.751 1.944.328 1.936.835 2.000.554 2.015.965 2.071.424 a. Current b. DPK 42.834 59.753 64.199 73.414 75.823 94.031 104.880 95.192 100.506 93.373 94.340 93.912 89.683 89.930 89.258 87.733 b. Special Mention c. Kurang Lancar 1.970 2.699 2.499 3.258 7.963 9.394 8.632 7.065 7.629 11.963 11.166 9.659 9.928 11.049 11.063 11.477 c. Sub-Standard d. Diragukan 2.444 4.709 2.874 4.699 4.584 5.095 7.211 7.738 6.561 5.774 9.846 11.298 7.778 5.824 6.096 5.753 d. Doubtful
e. Macet 16.461 16.967 18.441 19.829 25.624 27.198 27.746 26.876 29.220 31.921 29.793 31.365 35.353 36.108 37.052 35.880 e. Loss Aset Produktif Transaksi
Rekening Administratif 1)
216.461 309.868 359.504 398.351 463.182 450.588 446.766 445.088 438.722 445.755 448.997 458.325 466.876 476.111 499.130 495.944 Earning Assets - Account Administrative Transactions 1) a. Lancar 213.608 306.205 352.102 391.594 455.919 443.676 439.317 437.802 431.481 437.300 442.015 451.294 459.800 468.151 492.492 489.403 a. Current
b. DPK 2.798 3.545 6.828 6.187 6.553 6.143 6.641 6.438 6.111 6.842 6.182 6.406 5.606 6.539 5.201 5.446 b. Special Mention c. Kurang Lancar 11 63 46 66 198 289 298 284 579 900 89 69 920 911 937 881 c. Sub-Standard d. Diragukan 5 30 57 70 81 73 94 151 137 247 275 110 88 97 83 83 d. Doubtful
e. Macet 38 24 471 434 431 408 415 413 414 467 436 446 462 412 416 131 e. Loss Non Performing Earning Aset
(Nominal) 41.720 28.038 31.217 28.355 38.881 42.456 44.396 42.528 44.539 51.271 51.606 52.947 54.529 54.402 55.646 54.205 Non Performing Earning Asset (Nominal)
Kredit kepada Bank Lain 2.579 2.866 5.705 4.854 5.591 5.134 5.201 5.100 4.829 4.762 4.242 4.330 4.495 5.269 4.705 4.196 Interbank Loans a. Lancar 2.465 2.740 5.607 4.774 5.520 5.047 5.121 5.022 4.752 4.684 4.164 4.208 4.419 5.194 4.618 4.113 a. Current
b. DPK 13 48 0 8 0 16 11 7 3 3 5 47 0 0 13 8 b. Special Mention
c. Kurang Lancar - - - - - 4 - - 3 - - - - c. Sub-Standard d. Diragukan - - - - - 4 4 - 3 3 - - d. Doubtful e. Macet 101 78 98 72 71 71 70 70 70 71 69 72 73 72 74 75 e. Loss
Non Performing Loan kepada
Bank Lain (Nominal) 101 78 98 72 71 71 70 70 74 75 73 75 76 75 74 75 Interbank Non Performing Loan (Nominal)
2014
Tabel 1.32.a. Aset Produktif Bank Persero dan Kualitas Kredit Bank Persero kepada Bank Lain (Earning Asset of State Owned Banks and Credit Quality of State Owned Banks to Other Bank)
Miliar Rp (Billion Rp)
Indikator 2011 2012 2013 Indicator
1) - Terdapat koreksi pada periode Januari 2011 s.d Maret 2013 dimana angka pada Aset Produktif Transaksi Rekening Administratif (TRA) dan angka pada Non Performing Earning Aset yang telah dipublikasikan merupakan angka aset produktif pada neraca dalam bentuk kredit.
- Sejak periode April 2013 angka pada TRA adalah kewajiban komitmen dan kontijensi yang antara lain meliputi penerbitan jaminan letter of credit, standby letter of credit, fasilitas kredit yang belum ditarik, dan/atau kewajiban komitmen dan kontijensi lain, sehingga angka Non Performing Earning Aset adalah total dari non performing aset pada neraca dan non performing earning aset pada TRA.
- Terdapat koreksi pada periode Oktober 2012 s.d. Januari 2014, yaitu berdasarkan PBI No.14/15/PBI/2012 tentang Penilaian Kualitas Aset Bank Umum maka angka pada Aset Produktif Transaksi Rekening Administratif (TRA) telah mencakup TRA yang bersifat committed (yang tidak memenuhi kriteria sebagai uncommitted) dan uncommitted (pemberian fasilitas yang dalam perjanjiannya memuat klausula bahwa Bank dapat membatalkan atau tidak memenuhi fasilitas karena kondisi atau alasan tertentu)
- Sejak periode Februari 2014 angka pada TRA adalah kewajiban komitmen dan kontijensi yang antara lain meliputi penerbitan jaminan letter of credit, standby letter of credit, fasilitas kredit yang belum ditarik (committed dan uncommitted), dan/atau kewajiban komitmen dan kontijensi lain, sehingga angka Non Performing Earning Aset adalah total dari non performing aset pada neraca dan non performing earning aset pada TRA.
1) - There is a correction in January 2011 until March 2013 where numbers on the arning assets - account administrative transactions and the numbers of Non Performing Assets earning who has published is a number of earning assets as a credit.
- Since the period of April 2013, numbers on the Earning Assets - Acoount administrative transactions is commited and contingent liabilities that include issuance of guarantees, letters of credit, standby letters of credit, unused borrowing, and/or other commited and contengent liabilities, so the number of Non Performing Earning assets is the total of non-performing earning assets on the balance sheet and non-performing earning assets on the account administrative transactions - There is a correction in the period October 2012 s.d. January 2014, which is based on PBI No.14/15/PBI/2012 Commercial Bank Asset Quality Rating for the numbers on Earning Assets Balance Sheet (TRA) TRA has covers that are committed (which does not meet the criteria as uncommitted) and uncommitted (giving facilities are in agreement contains a clause that the Bank may cancel or do not meet the conditions or facilities for some reason) - Since the period of February 2014 is the number at the TRA commitments and contingent liabilities which include the issuance of guarantee letters of credit, standby letters of credit, undrawn credit facilities (committed and uncommitted), and / or other contingent liabilities and commitments, so the numbers non-Performing assets Earning is the total of non-performing assets on the balance sheet and earnings of non-performing assets in the TRA.
2015 2016
95
Jan Feb Mar Apr Mei Jun Jul Ags Sep Okt Nov
Aset Produktif Neraca 1.119.243 1.327.140 1.557.562 1.713.244 1.835.674 1.929.928 1.941.492 1.963.472 1.975.532 1.997.742 2.002.052 2.041.710 1.997.742 2.050.092 2.043.682 2.061.025 Earning Assets a. Lancar 1.072.537 1.274.458 1.499.030 1.636.540 1.726.573 1.800.452 1.811.116 1.835.431 1.835.646 1.864.215 1.875.163 1.900.768 1.931.939 1.913.544 1.909.625 1.923.669 a. Current b. DPK 27.546 33.686 37.211 46.023 73.507 91.756 89.952 85.865 96.003 87.385 80.486 91.637 89.159 88.992 82.866 83.886 b. Special Mention c. Kurang Lancar 3.060 3.810 4.009 5.171 4.597 5.090 6.704 6.750 8.209 7.435 7.902 8.633 7.959 8.731 10.366 10.439 c. Sub-Standard d. Diragukan 3.360 2.305 2.698 6.514 5.549 6.590 4.777 6.225 6.602 7.614 7.918 7.320 7.357 5.944 8.382 9.214 d. Doubtful
e. Macet 12.739 12.881 14.614 18.996 25.447 26.041 28.943 29.201 29.071 31.093 30.583 33.351 33.877 32.880 32.442 33.818 e. Loss Aset Produktif Transaksi
Rekening Administratif 1)
175.558 402.700 483.630 519.087 544.346 573.806 561.644 570.300 569.319 577.735 561.470 570.216 574.923 583.070 594.900 612.220 Earning Assets - Account Administrative Transactions 1) a. Lancar 175.123 400.677 480.305 515.068 537.916 566.315 546.124 564.308 563.366 571.966 556.465 565.197 570.448 578.926 590.706 607.674 a. Current
b. DPK 405 1.830 3.181 3.715 5.638 6.560 14.619 5.058 5.155 4.779 4.146 4.269 4.090 3.780 3.891 4.113 b. Special Mention c. Kurang Lancar 18 85 37 90 98 96 208 234 82 138 129 55 78 66 64 119 c. Sub-Standard d. Diragukan 3 71 50 105 98 88 105 165 146 117 146 105 94 84 83 82 d. Doubtful
e. Macet 8 37 57 108 596 747 589 535 569 735 584 589 212 215 156 231 e. Loss Non Performing Earning Aset
(Nominal) 38.187 19.190 21.465 30.984 36.386 38.652 41.325 43.110 44.679 47.133 47.262 50.054 49.578 47.921 51.494 53.902 Non Performing Earning Asset (Nominal)
Kredit kepada Bank Lain 7.785 9.085 10.250 10.550 12.715 12.482 11.388 10.784 11.289 11.444 13.638 13.823 13.828 13.897 13.426 13.032 Interbank Loans a. Lancar 7.784 9.069 10.243 10.532 12.695 12.380 11.328 10.752 11.254 11.398 13.619 13.797 13.817 13.863 13.411 13.009 a. Current b. DPK - 16 5 - 16 95 42 11 17 25 1 11 1 24 6 14 b. Special Mention c. Kurang Lancar - - - 7 - - - - - 3 - - - - c. Sub-Standard d. Diragukan - - - 0 - - - - - 2 3 3 - - - - d. Doubtful e. Macet 1 - 1 11 5 8 19 22 18 16 16 12 9 9 9 9 e. Loss
Non Performing Loan kepada
Bank Lain (Nominal) 1 - 1 18 5 8 19 22 18 21 19 15 9 9 9 9 Interbank Non Performing Loan (Nominal)
2011 2012 2013
1) - Terdapat koreksi pada periode Januari 2011 s.d Maret 2013 dimana angka pada Aset Produktif Transaksi Rekening Administratif (TRA) dan angka pada Non Performing Earning Aset yang telah dipublikasikan merupakan angka aset produktif pada neraca dalam bentuk kredit.
- Sejak periode April 2013 angka pada TRA adalah kewajiban komitmen dan kontijensi yang antara lain meliputi penerbitan jaminan letter of credit, standby letter of credit, fasilitas kredit yang belum ditarik, dan/atau kewajiban komitmen dan kontijensi lain, sehingga angka Non Performing Earning Aset adalah total dari non performing aset pada neraca dan non performing earning aset pada TRA.
- Terdapat koreksi pada periode Oktober 2012 s.d. Januari 2014, yaitu berdasarkan PBI No.14/15/PBI/2012 tentang Penilaian Kualitas Aset Bank Umum maka angka pada Aset Produktif Transaksi Rekening Administratif (TRA) telah mencakup TRA yang bersifat committed (yang tidak memenuhi kriteria sebagai uncommitted) dan uncommitted (pemberian fasilitas yang dalam perjanjiannya memuat klausula bahwa Bank dapat membatalkan atau tidak memenuhi fasilitas karena kondisi atau alasan tertentu)
- Sejak periode Februari 2014 angka pada TRA adalah kewajiban komitmen dan kontijensi yang antara lain meliputi penerbitan jaminan letter of credit, standby letter of credit, fasilitas kredit yang belum ditarik (committed dan uncommitted), dan/atau kewajiban komitmen dan kontijensi lain, sehingga angka Non Performing Earning Aset adalah total dari non performing aset pada neraca dan non performing earning aset pada TRA.
1) - There is a correction in January 2011 until March 2013 where numbers on the arning assets - account administrative transactions and the numbers of Non Performing Assets earning who has published is a number of earning assets as a credit.
- Since the period of April 2013, numbers on the Earning Assets - Acoount administrative transactions is commited and contingent liabilities that include issuance of guarantees, letters of credit, standby letters of credit, unused borrowing, and/or other commited and contengent liabilities, so the number of Non Performing Earning assets is the total of non-performing earning assets on the balance sheet and non-performing earning assets on the account administrative transactions - There is a correction in the period October 2012 s.d. January 2014, which is based on PBI No.14/15/PBI/2012 Commercial Bank Asset Quality Rating for the numbers on Earning Assets Balance Sheet (TRA) TRA has covers that are committed (which does not meet the criteria as uncommitted) and uncommitted (giving facilities are in agreement contains a clause that the Bank may cancel or do not meet the conditions or facilities for some reason) - Since the period of February 2014 is the number at the TRA commitments and contingent liabilities which include the issuance of guarantee letters of credit, standby letters of credit, undrawn credit facilities (committed and uncommitted), and / or other contingent liabilities and commitments, so the numbers non-Performing assets Earning is the total of non-performing assets on the balance sheet and earnings of non-performing assets in the TRA.
2015
Tabel 1.33.a. Aset Produktif BUSN Devisa dan Kualitas Kredit BUSN Devisa kepada Bank Lain (Earning Asset of Foreign Exchange Banks and Credit Quality of Foreign Exchange Banks to Other Bank)
Miliar Rp (Billion Rp)
Indicator
Indikator 2014 2016
96
Jan Feb Mar Apr Mei Jun Jul Ags Sep Okt Nov
Aset Produktif Neraca 65.209 82.482 106.351 110.115 122.537 58.684 59.212 61.378 62.359 63.615 64.771 59.783 55.933 54.661 56.398 58.401 Earning Assets a. Lancar 62.694 79.366 102.965 104.585 115.522 52.223 53.393 55.757 56.368 57.455 58.254 52.535 50.755 49.877 51.555 53.476 a. Current b. DPK 1.601 1.872 2.276 3.796 5.332 5.007 4.204 3.948 4.275 4.448 4.985 5.675 3.654 3.396 3.533 3.576 b. Special Mention c. Kurang Lancar 189 361 226 331 418 309 343 376 355 274 309 363 345 290 256 278 c. Sub-Standard d. Diragukan 152 197 235 590 396 331 373 477 427 358 310 267 285 178 231 179 d. Doubtful
e. Macet 574 686 649 813 869 813 900 820 934 1.080 913 943 894 919 824 892 e. Loss Aset Produktif Transaksi
Rekening Administratif 1)
1.827 4.045 4.500 7.715 9.387 5.718 5.492 5.362 5.391 5.982 4.960 3.895 4.288 4.561 5.081 4.997 Earning Assets - Account Administrative Transactions 1) a. Lancar 1.805 4.042 4.492 7.699 9.344 5.645 5.422 5.270 5.349 5.951 4.913 3.855 4.257 4.519 5.060 4.969 a. Current
b. DPK 21 3 7 14 40 71 68 86 36 27 43 35 27 40 20 26 b. Special Mention c. Kurang Lancar 0 0 0 - 0 0 1 3 0 0 0 1 0 0 0 0 c. Sub-Standard d. Diragukan 0 0 0 1 0 0 0 0 3 0 0 0 1 0 0 0 d. Doubtful
e. Macet 0 1 1 1 2 2 2 4 3 4 4 4 3 2 1 2 e. Loss Non Performing Earning Aset
(Nominal) 1.829 1.246 1.111 1.736 1.685 1.456 1.618 1.680 1.722 1.716 1.536 1.578 1.528 1.390 1.311 1.351 Non Performing Earning Asset (Nominal)
Kredit kepada Bank Lain 542 890 1.072 944 1.025 752 708 673 661 718 769 756 738 731 728 713 Interbank Loans a. Lancar 542 888 1.070 939 1.021 748 704 669 655 712 762 750 732 725 722 706 a. Current b. DPK - - 2 2 - - - - 2 2 2 2 2 2 2 2 b. Special Mention c. Kurang Lancar - - - 2 - - - - c. Sub-Standard d. Diragukan - - - - - d. Doubtful e. Macet - 1 - 1 4 4 4 4 4 4 4 4 4 4 4 4 e. Loss
Non Performing Loan kepada
Bank Lain (Nominal) - 1 - 3 4 4 4 4 4 4 4 4 4 4 4 4 Interbank Non Performing Loan (Nominal)
2014
Tabel 1.34.a. Aset Produktif BUSN Non Devisa dan Kualitas Kredit BUSN Non Devisa kepada Bank Lain (Earning Asset of Non Foreign Exchange Banks and Credit Quality of Non Foreign Exchange Banks to Other Bank)
Miliar Rp (Billion Rp)
Indicator
Indikator 2011 2012 2013 2016
1) - Terdapat koreksi pada periode Januari 2011 s.d Maret 2013 dimana angka pada Aset Produktif Transaksi Rekening Administratif (TRA) dan angka pada Non Performing Earning Aset yang telah dipublikasikan merupakan angka aset produktif pada neraca dalam bentuk kredit.
- Sejak periode April 2013 angka pada TRA adalah kewajiban komitmen dan kontijensi yang antara lain meliputi penerbitan jaminan letter of credit, standby letter of credit, fasilitas kredit yang belum ditarik, dan/atau kewajiban komitmen dan kontijensi lain, sehingga angka Non Performing Earning Aset adalah total dari non performing aset pada neraca dan non performing earning aset pada TRA.
- Terdapat koreksi pada periode Oktober 2012 s.d. Januari 2014, yaitu berdasarkan PBI No.14/15/PBI/2012 tentang Penilaian Kualitas Aset Bank Umum maka angka pada Aset Produktif Transaksi Rekening Administratif (TRA) telah mencakup TRA yang bersifat committed (yang tidak memenuhi kriteria sebagai uncommitted) dan uncommitted (pemberian fasilitas yang dalam perjanjiannya memuat klausula bahwa Bank dapat membatalkan atau tidak memenuhi fasilitas karena kondisi atau alasan tertentu)
- Sejak periode Februari 2014 angka pada TRA adalah kewajiban komitmen dan kontijensi yang antara lain meliputi penerbitan jaminan letter of credit, standby letter of credit, fasilitas kredit yang belum ditarik (committed dan uncommitted), dan/atau kewajiban komitmen dan kontijensi lain, sehingga angka Non Performing Earning Aset adalah total dari non performing aset pada neraca dan non performing earning aset pada TRA.
1) - There is a correction in January 2011 until March 2013 where numbers on the arning assets - account administrative transactions and the numbers of Non Performing Assets earning who has published is a number of earning assets as a credit.
- Since the period of April 2013, numbers on the Earning Assets - Acoount administrative transactions is commited and contingent liabilities that include issuance of guarantees, letters of credit, standby letters of credit, unused borrowing, and/or other commited and contengent liabilities, so the number of Non Performing Earning assets is the total of non-performing earning assets on the balance sheet and non-performing earning assets on the account administrative transactions - There is a correction in the period October 2012 s.d. January 2014, which is based on PBI No.14/15/PBI/2012 Commercial Bank Asset Quality Rating for the numbers on Earning Assets Balance Sheet (TRA) TRA has covers that are committed (which does not meet the criteria as uncommitted) and uncommitted (giving facilities are in agreement contains a clause that the Bank may cancel or do not meet the conditions or facilities for some reason) - Since the period of February 2014 is the number at the TRA commitments and contingent liabilities which include the issuance of guarantee letters of credit, standby letters of credit, undrawn credit facilities (committed and uncommitted), and / or other contingent liabilities and commitments, so the numbers non-Performing assets Earning is the total of non-performing assets on the balance sheet and earnings of non-performing assets in the TRA.
2015
97
Jan Feb Mar Apr Mei Jun Jul Ags Sep Okt Nov
Aset Produktif Neraca 240.588 297.222 334.497 367.146 406.618 428.608 421.784 459.157 476.453 481.855 445.365 478.374 474.834 453.232 451.728 442.782 Earning Assets a. Lancar 234.041 287.538 321.098 349.383 384.059 402.052 395.372 435.177 452.242 457.162 421.940 453.835 448.944 427.766 426.179 417.387 a. Current b. DPK 3.419 4.570 5.762 7.103 10.210 13.151 12.817 10.930 10.715 10.735 9.929 10.845 11.954 11.892 11.648 11.970 b. Special Mention c. Kurang Lancar 297 945 1.052 785 832 1.677 1.387 1.016 1.289 1.178 1.087 1.112 1.278 1.263 1.688 854 c. Sub-Standard d. Diragukan 281 637 987 1.378 974 837 1.203 1.330 1.141 1.509 1.278 1.073 1.050 998 906 1.213 d. Doubtful
e. Macet 2.551 3.532 5.598 8.497 10.542 10.890 11.006 10.704 11.067 11.271 11.130 11.509 11.609 11.314 11.308 11.359 e. Loss Aset Produktif Transaksi
Rekening Administratif 1)
17.677 31.651 31.877 28.145 28.600 26.292 24.852 24.956 24.316 25.462 26.734 26.614 26.636 25.394 25.634 25.109 Earning Assets - Account Administrative Transactions 1) a. Lancar 17.592 31.320 31.601 27.796 28.021 25.802 24.245 24.454 23.743 24.871 26.168 25.993 26.144 24.879 25.098 24.515 a. Current
b. DPK 16 249 130 179 312 244 349 287 363 350 297 324 233 270 255 309 b. Special Mention c. Kurang Lancar 3 12 3 4 13 12 9 5 7 34 14 61 10 4 8 3 c. Sub-Standard d. Diragukan 6 25 26 26 2 3 9 6 4 6 29 27 12 5 5 9 d. Doubtful
e. Macet 59 44 118 140 252 231 240 204 199 201 225 209 238 235 267 273 e. Loss Non Performing Earning Aset
(Nominal) 6.248 5.195 7.784 10.829 12.615 13.650 13.854 13.265 13.707 14.200 13.764 13.991 14.197 13.818 14.181 13.711 Non Performing Earning Asset (Nominal)
Kredit kepada Bank Lain 137 357 709 970 983 939 1.004 1.147 1.153 1.278 1.464 1.410 1.404 1.391 1.413 1.509 Interbank Loans a. Lancar 136 357 708 970 979 934 990 1.132 1.112 1.255 1.438 1.385 1.379 1.372 1.401 1.496 a. Current b. DPK 0 - - 0 0 0 7 0 27 9 11 1 1 0 - 7 b. Special Mention c. Kurang Lancar 0 - 1 - - 0 - - 0 - 9 - 8 8 - c. Sub-Standard d. Diragukan 1 - - - - - 0 0 - - 0 - 8 - - - d. Doubtful e. Macet 0 - - 0 4 4 8 14 14 14 14 16 16 11 5 6 e. Loss
Non Performing Loan kepada
Bank Lain (Nominal) 1 - 1 0 4 4 8 14 14 14 14 24 24 19 13 6 Interbank Non Performing Loan (Nominal)
2013
2012 2015
Tabel 1.35.a. Aset Produktif BPD dan Kualitas Kredit BPD kepada Bank Lain
(Earning Asset of Regional Development Banks and Credit Quality of Regional Development Banks to Other Bank) Miliar Rp (Billion Rp)
Indikator 2011 2014 Indicator
2016
1) - Terdapat koreksi pada periode Januari 2011 s.d Maret 2013 dimana angka pada Aset Produktif Transaksi Rekening Administratif (TRA) dan angka pada Non Performing Earning Aset yang telah dipublikasikan merupakan angka aset produktif pada neraca dalam bentuk kredit.
- Sejak periode April 2013 angka pada TRA adalah kewajiban komitmen dan kontijensi yang antara lain meliputi penerbitan jaminan letter of credit, standby letter of credit, fasilitas kredit yang belum ditarik, dan/atau kewajiban komitmen dan kontijensi lain, sehingga angka Non Performing Earning Aset adalah total dari non performing aset pada neraca dan non performing earning aset pada TRA.
- Terdapat koreksi pada periode Oktober 2012 s.d. Januari 2014, yaitu berdasarkan PBI No.14/15/PBI/2012 tentang Penilaian Kualitas Aset Bank Umum maka angka pada Aset Produktif Transaksi Rekening Administratif (TRA) telah mencakup TRA yang bersifat committed (yang tidak memenuhi kriteria sebagai uncommitted) dan uncommitted (pemberian fasilitas yang dalam perjanjiannya memuat klausula bahwa Bank dapat membatalkan atau tidak memenuhi fasilitas karena kondisi atau alasan tertentu)
- Sejak periode Februari 2014 angka pada TRA adalah kewajiban komitmen dan kontijensi yang antara lain meliputi penerbitan jaminan letter of credit, standby letter of credit, fasilitas kredit yang belum ditarik (committed dan uncommitted), dan/atau kewajiban komitmen dan kontijensi lain, sehingga angka Non Performing Earning Aset adalah total dari non performing aset pada neraca dan non performing earning aset pada TRA.
1) - There is a correction in January 2011 until March 2013 where numbers on the arning assets - account administrative transactions and the numbers of Non Performing Assets earning who has published is a number of earning assets as a credit.
- Since the period of April 2013, numbers on the Earning Assets - Acoount administrative transactions is commited and contingent liabilities that include issuance of guarantees, letters of credit, standby letters of credit, unused borrowing, and/or other commited and contengent liabilities, so the number of Non Performing Earning assets is the total of non-performing earning assets on the balance sheet and non-performing earning assets on the account administrative transactions - There is a correction in the period October 2012 s.d. January 2014, which is based on PBI No.14/15/PBI/2012 Commercial Bank Asset Quality Rating for the numbers on Earning Assets Balance Sheet (TRA) TRA has covers that are committed (which does not meet the criteria as uncommitted) and uncommitted (giving facilities are in agreement contains a clause that the Bank may cancel or do not meet the conditions or facilities for some reason) - Since the period of February 2014 is the number at the TRA commitments and contingent liabilities which include the issuance of guarantee letters of credit, standby letters of credit, undrawn credit facilities (committed and uncommitted), and / or other contingent liabilities and commitments, so the numbers non-Performing assets Earning is the total of non-performing assets on the balance sheet and earnings of non-performing assets in the TRA.
98
Jan Feb Mar Apr Mei Jun Jul Ags Sep Okt Nov
Aset Produktif Neraca 154.950 191.046 255.735 235.747 272.592 271.023 270.364 272.398 273.670 275.016 264.125 266.688 265.994 273.375 271.616 281.844 Earning Assets a. Lancar 149.721 184.439 246.183 225.126 258.717 257.192 256.728 258.016 259.231 260.813 250.023 251.988 251.435 258.826 256.617 266.729 a. Current b. DPK 3.187 4.239 7.097 6.827 8.033 7.950 7.806 8.541 8.634 8.775 8.638 8.979 8.718 8.482 9.149 9.317 b. Special Mention c. Kurang Lancar 420 540 376 982 2.039 1.642 1.399 1.180 1.118 1.067 1.344 1.537 1.655 1.782 1.145 1.134 c. Sub-Standard d. Diragukan 427 482 983 1.401 903 988 724 678 554 633 442 446 654 770 590 365 d. Doubtful
e. Macet 1.195 1.346 1.097 1.411 2.900 3.251 3.708 3.982 4.133 3.728 3.678 3.739 3.531 3.515 4.115 4.300 e. Loss Aset Produktif Transaksi
Rekening Administratif 1)
34.024 125.802 156.794 149.283 189.653 192.402 188.989 188.846 192.685 194.377 183.162 191.762 204.392 197.177 201.018 204.942 Earning Assets - Account Administrative Transactions a. Lancar 33.521 124.223 154.721 147.626 186.746 189.387 185.836 185.775 189.552 191.034 180.164 188.489 200.979 194.081 197.835 201.464 a. Current
b. DPK 441 1.452 1.929 1.563 2.710 2.814 2.938 2.856 2.873 3.066 2.704 2.966 3.111 2.662 2.751 2.874 b. Special Mention c. Kurang Lancar 62 93 58 56 134 57 61 70 56 67 161 177 166 303 280 488 c. Sub-Standard d. Diragukan - 0 64 18 27 106 101 79 144 144 2 2 10 0 15 15 d. Doubtful
e. Macet - 34 22 20 36 37 52 66 59 66 132 127 125 131 137 101 e. Loss Non Performing Earning Aset
(Nominal) 4.078 2.495 2.601 3.888 6.038 6.081 6.045 6.055 6.064 5.705 5.758 6.028 6.143 6.501 6.282 6.402 Non Performing Earning Asset (Nominal)
Kredit kepada Bank Lain 5 4 152 388 435 372 367 372 173 173 181 167 170 157 154 56 Interbank Loans a. Lancar 5 4 152 388 435 372 367 371 173 173 181 167 170 157 154 56 a. Current b. DPK - - - - - b. Special Mention c. Kurang Lancar - - - - - c. Sub-Standard d. Diragukan - - - - - d. Doubtful e. Macet - - - - 0 0 0 0 0 - 0 0 0 0 0 0 e. Loss
Non Performing Loan kepada
Bank Lain (Nominal) - - - - 0 0 0 0 0 - 0 0 0 0 0 0 Interbank Non Performing Loan (Nominal)
Indikator 2012 2013 Indicator